Lori M. Graham-Mortgage Broker NMLS #285037

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Lori M. Graham-Mortgage Broker NMLS #285037 Let my experience help you towards home ownership! **Mortgage Expert. Mom. Sister. Daughter. Bookworm. Rams Fan.**

Hi, I'm glad you're here! Self-employed?

With 26 years in the mortgage industry and a decade of processing experience, I have built a career on helping people navigate a path to homeownership with confidence, clarity, and genuine care. I've spent 26 years helping people find their way to the right mortgage, and I still love the moment when a loan that seemed out of reach suddenly makes sense. Whether you're buying your first home, refinancing, tapping into your equity with a line of credit, or just trying to figure out what's possible, I'm here to help. What makes my approach different? Not everyone's financial story fits neatly into a box, and that's okay. I work with standard loan programs *and* Non-QM products, which means I can look at your unique situation and find a path that works for you. Irregular income? Recent credit bumps? Let's talk about it. There's usually more than one way to get you home. What you'll find on this channel:

🏡 **Quick hits:** Short, easy-to-digest videos on loan products, terms, and tips so you can learn something valuable in about a minute.

🔍 **Deep dives:** Longer, detailed videos when a topic deserves the full walkthrough, so you can make confident decisions.

😂 **A little fun:** Mortgage can be serious business, but it doesn't have to be boring. Expect some laughs along the way.

📚 **Book reviews:** I'm an avid reader, so you'll see the occasional book recommendation pop up.

🏈 **Rams talk:** I'm a proud LA Rams fan, so don't be surprised if football season sneaks into the conversation. A little more about me:
This channel won't be all mortgages, all the time. Outside of work, I'm a mother, sister, and daughter, and my family keeps me grounded, busy, and laughing. You'll get glimpses of that side of my life too, because I believe the best advice comes from a real person who understands real life. My promise to you:
Honest answers. Clear explanations. No judgment. Everyone deserves to understand their options, and every situation is different. My goal is to help you feel informed and empowered, whatever stage of the home journey you're in. Ready to get started?
👉 Apply at www.LoriGLoans.com

Follow me and let's make home financing a little less intimidating and a lot more fun! Have a question or a topic you'd like me to cover? Drop it in the comments! Lori Graham | NMLS #285037 | [email protected]
Ease Mortgage 1050 Wilshire Dr #300, Troy, MI 48084
NMLS #2273319

🏠 Equal Housing Lender. This channel is for informational and entertainment purposes only and is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and program requirements. Rates, terms, and availability are subject to change without notice. Not all products are available in all states or to all borrowers. Remote worker, in-person appts need to be scheduled in advance, please.

02/11/2026

Not every home loan is straightforward — and that’s okay. 🙌

You don’t need perfect paperwork, a 9-to-5 job, or a cookie-cutter situation to buy a home. There are options, and I can help you figure out what works for you.

Got questions or just curious what’s possible? My inbox is always open💬

01/11/2026

The post-Halloween grind never stops.

Just me, my tea, and a list of pre-approvals to get out. ☕💀

31/10/2026

Still waiting on the “perfect” interest rate? You might be waiting forever.
The truth is, if you find the right home that fits your budget and lifestyle, that’s the real win.

Rates can always be refinanced later,but the home you love might not be around. Don’t let the market spook you into waiting too long.

30/10/2026

Lower rates for a second week in a row; let's celebrate!

Why?
*GDP came in at 3.4% (better than expectations)
*PCE ran hot at 3.65%
*Oil climbed to $117, and
*Market expects a Fed hike in Dec.

A big tech sell-off sent money into Treasuries and pulled rates down. However, whether we move to 8% will likely depend on if the economy stays hot and Iran flares up after the midterms, or 6.75% if the AI sell-off continues.

Home buying is all about the seller concessions right now. Use the concession to buydown to a lower rate. Own now while you have the opportunity to get the concession while the buyer on the sidelines jumps in with everyone else after the concessions are gone!

Please like and follow/subscribe!

Happy Halloween!
https://linktr.ee/lorigloans

30/10/2026

Got my eye on the perfect home — and my pre-approval’s ready to strike!
Getting pre-approved before house hunting means you can move fast and confidently when your dream home hits the market.

28/10/2026

See a home that’s been sitting on the market for a while?

There MAY be an opportunity to negotiate, and asking for a lower price isn’t your only option!

You may be able to ask the seller to help with some of your closing costs instead.

Here’s what that COULD look like:

Home price: $550,000
Offer: $550,000
Seller concession: 3% = $16,500

Instead of negotiating a lower purchase price, that $16,500 could potentially help cover eligible closing costs saving you money. Apply it to a temporary or permanent rate buy down for a lower monthly mortgage payment.

This is just an example, but it's why we look at the numbers and figure out which strategy makes the most sense for you.

Sometimes getting the best deal isn’t just about getting the low price.

Comment READY if you want to talk through your options.

27/10/2026

Which one are you? ☹️🥹😡

When your buddy 'knows a guy' vs. when you actually used a mortgage pro.Experience matters when it comes to your largest...
26/10/2026

When your buddy 'knows a guy' vs. when you actually used a mortgage pro.

Experience matters when it comes to your largest financial investment. Work with a mortgage pro — not just someone’s cousin.

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