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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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.
Kristy is super nice and easy to talk to. She's responsive. Knowledgeable. Trustworthy.
Reply from Kristy Grams
August 28th, 2026 02:01 AM
Thank you, Abby, for your kind words. I'm pleased to know that you found me easy to talk to and trustworthy. It was great working with you.
She kept us well informed on every step of the process. Very helpful.
Reply from Kristy Grams
August 27th, 2026 01:30 PM
Thank you, Janet, for sharing your experience. I'm pleased to know that you found the process informative and helpful. If there's anything else you need, feel free to reach out.
Kristy is straight forward on pre-approval and items needed for transaction. She is always on top of them. She's been doing a great job on the many deals we worked together with for many years.
Reply from Owner
August 27th, 2026 10:22 PM
Thank you, Pau, for your kind words. I'm pleased to know that my straightforward approach and attention to detail have been helpful in our transactions. It's been a great experience working together over the years.
I've been working with Kristy on many deals and she always do a great job by finishing the job done on time and easy to communicate. She is straight forward on the pre-approval and things needed to be done and no waste of time last minute.
Reply from Kristy Grams
August 24th, 2026 04:38 PM
Thank you, Pau, for sharing your experience. I'm pleased to know that my straightforward approach and timely communication have been helpful in our collaborations. It's always a pleasure working with you on these deals. I look forward to working...
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Excellent service from start to finish. The process was smooth, communication was great, professional and very responsive. I would highly recommended.
Reply from Kristy Grams
August 17th, 2026 03:49 PM
Melvin, thank you for your kind words. I'm pleased to hear that you found the service smooth and communication effective throughout the process. Your recommendation means a lot to me.
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...
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Reply from Owner
July 28th, 2026 09:01 PM
Thank you for sharing your experience, Alex. I'm pleased to know that my communication helped make the loan process smooth and stress-free for you. It's great to hear that you felt well-prepared for closing day. If there's anything else I can...
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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.