Meet our experienced loan officers

I have been a loan officer for over 20 years. Helping people achieve their dream of home ownership is very rewarding. I am good at what I do because I love what I do. With the increasing number and ever changing landscape of loan products available, you need a full time professional that understands your options. By working with me you can be confident in knowing that years of experience will help you to make an informed decision.

I have been a loan officer for over 25 years. Helping people achieve their dream of home ownership is very rewarding. I am good at what I do because I love what I do. I strive to make the process of buying a home as smooth and as simple as possible. With the increasing number and ever changing landscape of loan products available, you need a full time professional that understands your options. I have built my business around forging strong personal relationships with my clients which allows me to find the solutions that work best for them. Also, by working with me you can be confident in knowing that years of experience will help you to make an informed decision.

With more than 28 years in the mortgage industry, I am absolutely thrilled to be helping past clients, their children, and even their grand children navigate through the sometimes arduous mortgage process. Having worked as a broker, in a retail bank, a credit union and two other lenders; I’m blown away by the opportunity I have here at Legacy Mortgage. I love the opportunity to positively influence the lives of others.

I am a Senior Loan Officer at Legacy Mortgage with over 31 years of experience in the industry, having worked previously as both a processor and a loan officer.I have helped thousands of families achieve homeownership, including many who thought that dream was out of reach. When you trust me as your loan officer, I commit to keeping you fully informed throughout the entire process. I treat my clients like family, which is why my business thrives on lasting relationships and referrals.My expertise includes FHA, Rural Development, Conventional, VA, HELOC, MSHDA, Home Ready, and Home Possible loans.I am available days, nights, and weekends to work on pre-approvals. Please feel free to call or text me anytime to discuss how I can help you with your home purchase or refinance.

I am a highly experienced mortgage professional with comprehensive knowledge across the lending spectrum. Since originating my first mortgage in 2011, I have mastered the complexities of reverse mortgages and developed broad expertise in a wide range of lending products.I’m a proud father of four and passionate about the outdoors—I love fishing, boating, and hiking. I’m also a competitive dart player and have won multiple state championships.I joined Legacy Mortgage at the beginning of 2024 to help grow a company committed to offering an extensive range of lending solutions.Don't Let Your Loan Get Rusty, Call Your Local Lender Dusty!

Elizabeth offers mortgage planning services to equip her clients to make informed and educated decisions regarding mortgages and finance. Her mission is to help families build wealth through owning a home.Moreover, Elizabeth specializes in working with divorcing couples, where she teams up with family lawyers and financial planners to connect divorce law, tax rules, with the unique mortgage lending rules relevant to divorces to enable clients to divide their martial property and have a solid plan for the future.Elizabeth is particularly devoted to serving the military community and recognizes they often do not get correct advice regarding the VA home loan. Because of this, she has focused on educating realtors through myth-busting VA classes.Over the years, Elizabeth has spoken at multiple organization and events, such as CU Members National Mortgage Lending Annual Conference, Wells Fargo, National City Mortgage, Benchmark Mortgage, PrimeLending, and many others. Additionally, her articles have been published in various publications such as Mortgage Market Guide, LoanToolBox, YOU Magazine, Loans 101, and The Scotsman Guide. She has also been quoted in renowned sources such as Nerdwallet, Fidelity Investments, Huffington Post, The Washington Post, and others. To cap it off, Elizabeth has recently written a book called “Sister, Own Your Finances” which is available on Amazon.She enjoys spending time with her two grown daughters and five grandchildren.

Fred Lorenz is an experienced mortgage professional with nearly a decade in the industry, specializing in retail mortgage origination. Throughout his career, he has developed a strong command of product guidelines and a deep understanding of the home financing process. Fred is passionate about working directly with clients, guiding them through one of life’s most important milestones—achieving the American Dream of homeownership—while also helping them meet their broader financial goals with confidence and clarity.

‍

I've always had a passion for helping people with their financial goals, and there is no better feeling than helping someone get into a home! If you have any mortgage questions, please don't hesitate to reach out!

Karen Zuccaro has been a dedicated professional in the finance industry since 2000, bringing over two decades of experience helping individuals and families achieve their homeownership goals. Raised in Flint, Michigan, and a lifelong resident of Genesee County, Karen has deep roots in the community she proudly serves. Now living in Davison, Michigan with her family, Karen is passionate about guiding clients through one of life’s biggest financial decisions—purchasing a home. She takes pride in making the mortgage process smooth, stress-free, and tailored to each client’s unique needs. Her approachable style, local expertise, and genuine care for her clients make her a trusted partner in the home financing journey. Outside of work, Karen enjoys spending time on the water kayaking and boating, attending concerts, hunting, and cheering on the Detroit Lions.

‍