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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

I grew up close to Detroit, Michigan, spending a significant part of my childhood and young adult years “Up North,” where I developed a deep appreciation for nature. An avid equestrian, I actively compete in the eventing discipline. My interests also include downhill mountain biking, SCUBA diving, yoga, camping, and embarking on long road trips. I moved to Virginia to pursue my Marine Biology degree at Old Dominion University. After graduating, I settled in Northern Virginia before eventually relocating to the beautiful Shenandoah Valley. I explored real estate briefly before discovering my true passion in financing. With a knack for problem-solving, I love crafting creative solutions, whether I’m assisting first-time homebuyers or creating strategic mortgage solutions for real estate investors. I thrive on challenges and derive great satisfaction from guiding my clients through the mortgage process.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
USDA

USDA

Are you purchasing a rural property? A USDA loan is a great fit. Enjoy lower interest rates with no down payment. These loans are best suited for homebuyers with moderate to low income and are offered to rural property owners through the U.S. Department of Agriculture (USDA).
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
Ross
Jul 28, 2025
Cross Junction, VA
Verified

Liz went above and beyond . fought hard for the approval and is just overall a fantastic person. I couldnt recommend anyone better than Liz .
Candace
Jul 28, 2025
Cross Junction, VA
Verified

Liz made the process as smooth as possible . She worked very hard for my family and I and it showed. she's very passionate about her work and she's one of the best people I have ever come into contact with thank you Liz . For everything
Kaili
Jul 02, 2025
Berryville, VA
Verified

Throughout the entire process, Liz was simply amazing. Her dedication to helping people throughout the home buying process shows in insurmountable ways with her unwavering compassion and superb work ethic. This was probably one of the most stressful times we've had and she was the reason we could catch our breath and not give up! We're beyond grateful for her and the rest of the Guild Team that worked with us and guided us through this!
Gail
Jul 02, 2025
Winchester, VA
Verified

Very professional - good and quick responses to any questions. All did a good job! Thank you, Gail Farrace - Licensed in Virginia Colony Realty
Tracy
Jul 02, 2025
Inwood, WV
Verified

Liz was on this loan every step of the way. She worked tirelessly to get the loan done for the
Kimberly
Jun 27, 2025
Martinsburg, WV
Verified

Elizabeth Graham is an amazing lender. My client was rejected by multiple lenders due to their tough financial situation. Liz took her on and went through every possible scenario and did not give up. Together We helped a family find a home and a much better living situation . Liz genuinely cares about her clients

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NMLS ID #1480405
I am authorized to do business in the states of Maryland, Pennsylvania, Virginia and West Virginia. (www.nmlsconsumeraccess.org/);