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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: 4.96

Senior Loan Officer | NMLS 302452

Presidential Bank Mortgage | Frederick MD

4.96

(403)

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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4.96

(403)

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Experience.com

4.97

(318)

Zillow

4.89

(56)

Google

5.0

(29)

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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....

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 Kristy Grams

June 13th, 2026 01:33 PM

Thank you for sharing your experience, Timothy. I'm pleased to hear that my knowledge and availability were helpful to you. Your recommendation means a lot to me, and I'm here if you need any further assistance.

Super knowledgeable, super nice, super fast

Reply from Kristy Grams

June 11th, 2026 10:58 PM

Thank you, Austin, for your kind words. I'm pleased to know that my knowledge and efficiency made a positive impression on you. If there's anything else I can assist you with, please don't hesitate to reach out.

Kristy was very informative through the whole process. If we had any questions she would get back to us quickly. We had a great experience.

Reply from Kristy Grams

June 10th, 2026 12:27 AM

I'm grateful for your feedback, Debra. It's wonderful to know that you found the process informative and that I could respond to your questions promptly. I'm pleased you had a great experience, and if there's anything else you need, don't hesitate...

Being a first time buyer she made the process quick and

Reply from Kristy Grams

June 9th, 2026 11:49 PM

I'm grateful for your review, Wayne. I'm pleased that I could help make the process quick and manageable for you as a first-time buyer. If you have any more questions or need further assistance, please don't hesitate to reach out.

Kristy Grams is a rockstar Lender. She always gets the job done always going above and beyond. Thank you for such great support.

Reply from Kristy Grams

June 9th, 2026 11:50 PM

I appreciate your kind words, Joe. I'm happy to hear that you felt well-supported and that my efforts made a difference. If there's anything more you need in the future, please don't hesitate to reach out.

had a great attitude and was super quick to get everything to us. Has a nice easy closing.

Reply from Kristy Grams

June 4th, 2026 10:03 PM

Jacob, I'm pleased to hear that you appreciated my attitude and the speed of getting everything to you. It's great to know that the closing process was nice and easy for you. If there's anything else you need, please don't hesitate to reach...

Kristy is absolutely goated!! Great communication, kept me up with everything throughout the entire process. Such a joy to work with.

Reply from Kristy Grams

June 4th, 2026 10:01 PM

Thank you for the kind words, Calvin. I'm pleased to hear that you appreciated the communication and found the process enjoyable. It was my pleasure to work with you, and I'm here if you need any further assistance in the future.

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

Reply from Owner

June 9th, 2026 11:50 PM

Thank you, Carline, for your rating! I'm pleased to know you had a positive experience with Presidential Bank Mortgage. If there's anything else I can do for you, please don't hesitate to reach out.

Kristy was knowledgeable and supportive. Kept me informed, and guided me in a timely manner every step of the way. When the process felt overwhelming she encouraged me to stay on track. Issue "bite size" pieces that made things manageable....

Reply from Kristy Grams

June 4th, 2026 09:48 PM

Carline, thank you for sharing your experience. I'm pleased to hear that my support and guidance made a difference throughout the process. Helping you manage everything in a way that felt manageable and respectful is truly important to me....

10 of 403

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