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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

(412)

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

(412)

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4.97

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4.89

(56)

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All is great 👍

Reply from Kristy Grams

July 4th, 2026 07:44 PM

I'm pleased to hear that everything went great, Peter! Your satisfaction means a lot to me. If there's anything else I can do for you, please feel free to reach out.

Kristy was very helpful in all aspects of going through the process of buying a home. There were plenty of times as a first time home buyer that I asked Kristy the same question in 10 different forms and not once did she make me feel silly...

Reply from Owner

July 3rd, 2026 09:28 PM

Thank you so much for your kind words, Jonice. I'm really pleased to know that I could be of help and support during your home-buying journey. It's important to me that my clients feel comfortable asking questions, so I'm glad you felt at ease....

Kristy was always beyond helpful, she answered every question I had even if I asked the same question in a different way 10 times over. As a first time home buyer she couldn't have been anymore helpful. She was always prompt, kind, and informative...

Reply from Kristy Grams

June 30th, 2026 03:21 PM

Thank you so much for your wonderful feedback, Jonice. I'm pleased to know that I could be of such help to you during your first home buying journey. Your recommendation means a lot to me, and I'm grateful for your trust in both me and Presidential...

Kristy Grams has received a review with 5 star rating from Nini I

Reply from Owner

June 30th, 2026 03:20 PM

Thank you, Nini, for the perfect rating. I'm grateful for your support and pleased to know you had a positive experience.

Kristy was wonderful to work with and she is really flexible about time and communication

Reply from Kristy Grams

June 23rd, 2026 05:11 PM

Thank you, Van, for your feedback. I'm pleased to hear that my flexibility with time and communication was helpful for you. It was a pleasure working with you, and I'm here if you need any further assistance in the future.

Kristy was recommended to me and she delivered. She is very knowledgeable and always available to answer any and all questions. I wouldn't hesitate to recommend her to anyone.

Reply from Owner

June 23rd, 2026 05:10 PM

Thank you, Timothy, for sharing your experience. I'm pleased to know that my knowledge and availability were helpful to you. It's wonderful to hear that you would recommend me, and I appreciate your trust and support. If there’s anything else...

Kristy is an amazing loan officer. She’s patient, knowledgeable, and truly committed to helping her clients succeed. She makes the entire process feel smooth and stress‑free.

Reply from Kristy Grams

June 16th, 2026 09:31 PM

Thank you, James, for your kind feedback. I'm pleased to know that my patience and commitment contributed to a smooth and stress-free process for you and your clients. It's important to me that my clients feel supported every step of the way....

The experience was great! As first time home buyer, there was a lot that we did not know. Kristy guided and supported us throughout the whole process. She was available at any time for our questions. She was amazing and understanding!

Reply from Kristy Grams

June 16th, 2026 04:57 PM

Thank you, Van, for sharing your experience. I'm pleased to hear that I could guide and support you as a first-time homebuyer. It's important to me that you felt understood and had your questions answered. If there's anything more I can assist...

Kristy helped making this process as easy as possible and helped answer every question. Would definitely recommend her to friends and families looking into getting a house.

Reply from Kristy Grams

June 16th, 2026 04:56 PM

I'm grateful for your kind words, Caleb. It's great to know that I could make the process easier for you and answer all your questions. Thank you for recommending me to your friends and family; it means a lot. If there's anything else I can...

Kristy went above and beyond. I would recommend her to all of my friends and family, I couldn't imagine recommending anyone else. She is very helpful, she listens to you, and she really cares. Kristy knows what she is doing!

Reply from Kristy Grams

June 13th, 2026 01:39 PM

I'm grateful for your kind words, Kayla. It's wonderful to know that you felt supported and cared for throughout the process. Your recommendation means a lot to me, and I'm always here to help whenever you or your loved ones need assistance....

10 of 412

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