Loretta Lynda Chekani was born in 1949, of Albanian ancestry. For her, the trouble started when she learned to write in first grade. Before then, she had been making up her own stories but now she knew how to write them down to share. In her teenage years, she continue to write letters, keep a journal, write poetry and even attempt the Great American Novel (still unfinished). She attended New England public schools, before she went off to college and earned an English degree from Clark University.

After graduation, she worked a variety of jobs at Clark including a part-time teaching post. She was also moonlighting as a video scriptwriter. It was there that she met a video producer who inspired her to write novels and marry him. Under her married name, Loretta Chase, has been publishing historical romance novels since 1987. Her books have won many awards, including the Romance Writers of America RITA.