Top 5%
Kristy Grams
Senior Loan Officer | NMLS 302452
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 ... Show More
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Reviews from Web
Kristy was very patient in answering my questions and easy to reach via email, text and calling. She said she's not going anywhere even after the purchase is complete which feels good to know!
Working with our lender Kristy Grams was an exceptional experience. This was our second time collaborating with her, and she consistently demonstrated her extensive knowledge by thoroughly explaining all the available options. Kristy was always...
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Reply from Owner
October 17th, 2026 03:30 PM
Thank you, Mike, for sharing your positive experience. I'm glad to hear that my knowledge and accessibility were helpful during your loan process with Presidential Bank Mortgage. It was a pleasure working with you again, and I look forward...
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Working with our lender Kristy Grams was an exceptional experience. This was our second time collaborating with her, and she consistently demonstrated her extensive knowledge by thoroughly explaining all the available options. Kristy was always...
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Reply from Kristy Grams
October 15th, 2026 03:12 PM
I'm pleased to hear that you had such a positive experience working with me, Mikhail. At Presidential Bank Mortgage, providing thorough and accessible service is a priority, and I'm glad I could assist you with your loan and house buying process....
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Kristy Grams came highly recommended by my husband, who had worked with her previously, and she did not disappoint! She was prompt, courteous, and kept us well-informed throughout both the home-selling and buying processes. Her responsiveness,...
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Reply from Owner
October 17th, 2026 03:31 PM
Thank you, Caitlin, for sharing your wonderful experience. I'm pleased to know that you found my promptness and professionalism helpful during the home-selling and buying processes. Working with you at Presidential Bank Mortgage was a great...
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Kristy kept us well-informed at all stages. We appreciated her hard work and support during the sale and purchase of our home.
Reply from Kristy Grams
October 15th, 2026 02:27 PM
I'm grateful for your kind words, Caitlin. It's wonderful to know that my efforts in keeping you informed and supported throughout the sale and purchase of your home were appreciated. Working with clients like you at Presidential Bank Mortgage...
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Kristy Grams is the Best Lender in Business. She puts her clients first and always available for a call to explain everything to her clients. Highly recommend her!!
Reply from Kristy Grams
October 14th, 2026 01:47 PM
Thank you, Lisa, for your wonderful feedback. I'm pleased to know that my availability and client-first approach made a positive impression on your experience with Presidential Bank Mortgage. Your recommendation means a lot to me!
Kristy Grams has received a review with 5 star rating from Militza T
Reply from Owner
October 9th, 2026 05:31 PM
Thank you for the excellent rating, militza. I'm grateful for your trust and support, and I'm glad to have been part of your experience with Presidential Bank Mortgage.
Good communication and timely updates
Reply from Kristy Grams
October 4th, 2026 01:46 PM
I'm pleased to know that you appreciated the communication and timely updates, Militza. At Presidential Bank Mortgage, ensuring a smooth and informed process is always my goal.
We had such a wonderful experience working with Kristy! From the very beginning, she was knowledgeable, responsive, and incredibly supportive throughout the entire lending process. She took the time to explain everything clearly, answer our...
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Reply from Owner
October 1st, 2026 12:00 AM
hank you so much for taking the time to share such kind words! Helping you navigate the financial side of buying a home was an absolute pleasure. I know how overwhelming the lending process can feel, so my goal is always to make sure my clients...
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Kristy was very knowledgeable and made the process so easy for a first time home buyer!!
Reply from Kristy Grams
September 25th, 2026 01:39 PM
I'm pleased to know that my knowledge helped make the process easy for you as a first-time homebuyer, Kerri. Working with you through Presidential Bank Mortgage was a great experience, and I'm happy I could assist you.
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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
DSCR Loans
Specialities
First Time Homebuyer Grants
Conventional
FHA
First Time homebuyers, VA, USDA, FHA ,Conventional Financing, Construction to Perm
FHA, VA, USDA , Conventional, Construction to Perm, Home Equity Lines and Rehab Financing
DSCR, 1099 and Bank Statement Loans
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Positions
- Presidential Bank Mortgage - Senior Loan Officer Nov 7th, 2022 - Current
Memberships
- MBS LIVE TOP 10%
- PTA
- American Legion
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1998
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 302452
Achievements
- 2023 Presidents Club Gold Award
- 2024 Presidents Gold Club Award
- 2025 Presidents Gold Club Award
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Hobbies
- Traveling
- Reading
- Camping
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Disclaimer
Company NMLS 421593. All loans subject to credit approval.