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Kristy Grams

Name: Presidential Bank Mortgage
Address: 50 Citizens Way Ste 401, Frederick, Maryland, 21701
Telephone: +1-301-676-5352
Rating: 4.97

Senior Loan Officer | NMLS 302452

Presidential Bank Mortgage | Frederick MD

4.97

(429)

Mortgage

Mortgage Loan Officer

Contact Info

(301) 676-5352

Frederick, MD

https://pbm-loans.com/kristy.grams

https://myloan.pbm-loans.com/dr/c/f8xbt

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4.97

(429)

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4.98

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4.89

(56)

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5.0

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If you are in the Maryland West Virginia, Virginia area and you need a loan officer there is only one choice and her name is Kristy Grams. kristi is an exceptional communicator and took all of the guest work out of the Loan process. I felt...

Kristy took all of the guess work out of the loan process. Shes very good at communicating and is basically ALWAYS available .

Reply from Kristy Grams

July 27th, 2026 08:28 PM

Thank you, Alexander, for sharing your experience. I'm pleased to know that I could simplify the loan process for you and that my communication met your needs. If there's anything else I can assist you with, please don't hesitate to reach out....

andwered all of our questions and guided us every step of the way!

Reply from Kristy Grams

July 27th, 2026 08:28 PM

Courtney, I'm pleased to know that I could answer all your questions and guide you throughout the process. It's great to hear you had a smooth experience. If you need further assistance, please don't hesitate to reach out.

Kristy Grams has received a review with 5 star rating from Meggan G

Reply from Owner

July 24th, 2026 06:45 PM

Thank you, Meggan, for the perfect rating. I'm grateful for your support and am here if you ever need assistance in the future.

Kristy kept us informed, taught us everything we needed to know, and help guide us through our first home buying experience. She eased our worries, answered any and all questions, and helped make the home buying experience less stressful. Thank...

Kristy Grams has received a review with 5 star rating from Tyler W

Reply from Owner

July 24th, 2026 06:44 PM

Thank you, Tyler, for your perfect rating. I’m pleased to know that you had a positive experience with Presidential Bank Mortgage.

Kristy was always availible to guide us through each and every obstacle that comes with buying a home. Her understanding, knowledge and compassion made our home buying experience great!!! We couldnt have done it without her!! Thanks Kristy!!!...

Reply from Kristy Grams

July 24th, 2026 06:44 PM

Tyler, I truly appreciate your kind words. I'm glad that my guidance and support made a positive impact on your home-buying journey. It was a pleasure assisting you, and I'm thankful for the opportunity to be part of your experience. If you...

Kristy did an outstanding job! She truly made us feel like we were her top priority throughout the entire process. She always answered our questions promptly, no matter how many we had, and took the time to give us helpful advice that better...

Reply from Owner

July 24th, 2026 06:44 PM

Paul, I'm truly grateful for your kind and thoughtful review. I'm pleased to know that my dedication and support made your process smoother and more comfortable. It has been a pleasure assisting you and your family, and I look forward to the...

Reply from Kristy Grams

July 16th, 2026 01:27 AM

Thank you so much for these incredibly kind words! Working with your family for the second time was an absolute pleasure. I always want my clients to feel supported and informed, so I am thrilled to hear that the late-night texts and extra...

Kristy Grams has received a review with 5 star rating from Sherry B

Reply from Owner

July 16th, 2026 01:28 AM

Thank you, Sherry, for the great rating! I'm pleased to know you had a positive experience with Presidential Bank Mortgage. If you ever need assistance or have any questions, please don't hesitate to reach out.

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About

I have been a Loan Officer for over 20 years and understand how the home buying/refinance process can be and that's why the most important thing to me is you the client! I will guide you through the loan process step-by-step and answer all your questions while educating you on the different mortgage options and programs we have available. I grew up in Frederick, MD with my parents and two siblings. I currently reside in Washington County, MD with my husband (Stephen) and our 4 children (Cody, Meggan, Zachery, and Jakob). I believe that communication is key to a smooth home buying/refinance experience. If you're looking for a knowledgeable, honest, and dependable Loan Officer look no further - I'm here!

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Jumbo Home Loan

Down Payment Assistance

Conventional Home Loan

Home Renovation Loan

Mortgage Refinance

Specialities

First Time Homebuyer Grants

Conventional