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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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.
Kristy really took her time to talk us through the process and make closing as seamless and convenient as possible. We'd highly recommend working with her!
Reply from Kristy Grams
September 24th, 2026 10:11 PM
I'm grateful for your recommendation, Marco. It was my pleasure to guide you through the process and ensure a smooth closing experience with Presidential Bank Mortgage. Thank you for taking the time to share your positive experience!
She is excellent to work with.
It was great to work with Kristy. She is very professional and has problem solving abilities, helping to get things done quickly.
Reply from Kristy Grams
September 15th, 2026 01:38 PM
I'm grateful for your kind words, Ghulam. It's wonderful to hear that my professionalism and problem-solving skills were helpful in getting things done quickly. Working with you at Presidential Bank Mortgage was a pleasure.
Kristy Grams has received a review with 5 star rating from Trevor W
Reply from Owner
September 15th, 2026 01:38 PM
Thank you, Trevor, for the excellent rating. I'm pleased to know that your experience with Presidential Bank Mortgage was positive.
Great communication and fast!
Reply from Kristy Grams
September 11th, 2026 06:12 PM
Thank you, Trevor, for your feedback. I'm pleased to hear that you found our communication effective and the process speedy.
Ms.Kristy is really helpful and she helped me with all the documents and explains in details. Thank you Ms. Kristy for making home buying easier.
Reply from Kristy Grams
August 31st, 2026 09:18 PM
I'm thankful for your kind words, Khin. It's wonderful to know that I could assist you with the documents and make the home buying process easier. If you have any more questions or need further assistance, I'm here to help.
The professionalism of Kristy was great to deal with and made the entire experience easy for us. Thanks
Reply from Kristy Grams
August 30th, 2026 02:40 PM
I'm thankful for your kind words, Stephen. I'm pleased to know that my professionalism contributed to making the process easy for you.
Kristy is great!
Reply from Kristy Grams
August 28th, 2026 01:02 PM
Thank you, Gabby! I'm grateful for your positive feedback and happy to know you had a good experience.
Kristy is super nice and easy to talk to. She's responsive. Knowledgeable. Trustworthy.
Reply from Owner
August 28th, 2026 01:02 PM
Abby, I'm grateful for your kind words. It's wonderful to know that you found me easy to talk to and trustworthy. I'm always here to help and ensure a positive experience.
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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.