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 Grams has received a review with 5 star rating from Tracy B
Reply from Owner
March 4th, 2026 09:53 PM
Thanks, Tracy, for the positive rating. Your support is truly valued.
I had a unique situation of being in the hospital for over a month. Kristy and Lisa (my Realtor) worked diligently to get everything done, answered my gazillion questions honestly and easy for me to understand. Her kindness and patience did...
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Reply from Kristy Grams
March 4th, 2026 09:53 PM
I'm truly grateful for your feedback, Tracy. Navigating your unique situation was important to me, and I'm glad that my efforts, along with Lisa's, made a difference for you. Your words mean a lot, and I'm pleased that my kindness and patience...
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Kristy Grams has received a review with 5 star rating from William J
Reply from Owner
March 4th, 2026 09:53 PM
I appreciate your rating, William. If you ever have any questions or need assistance, feel free to reach out.
Amazing there for you every step of the way. Love working with her
Reply from Kristy Grams
March 4th, 2026 09:53 PM
Thank you for sharing your experience, William. It's wonderful to know that you felt supported throughout the process. Working with you was truly a pleasure, and I'm here to help with anything you might need in the future. Feel free to reach...
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Kristy consistently demonstrates exceptional professionalism and exceeds expectations! Her communication is clear, knowledgeable, and timely, ensuring a smooth and efficient experience. I highly recommend her services for a stress-free and...
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Reply from Owner
February 19th, 2026 03:41 PM
Thank you, Brittany, for sharing your experience. It's rewarding to know that my efforts helped make the process smooth and efficient for you. Your recommendation means a lot to me, and I'm grateful for the chance to work with you. If you need...
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Kristy consistently demonstrates exceptional professionalism and exceeds expectations. Her communication is clear, knowledgeable, and timely, ensuring a smooth and efficient experience. I highly recommend her services for a stress-free and...
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Reply from Kristy Grams
February 19th, 2026 03:40 PM
Your positive feedback is greatly appreciated, Brittany. I'm pleased to know that my communication and professionalism helped make your experience smooth and efficient. Thank you for recommending my services, and don't hesitate to reach out...
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Kristy provided excellent service throughout my mortgage process. She was professional, responsive, and made everything easy to understand from start to finish. Any questions I had were answered quickly, and she kept me informed every step...
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Reply from Kristy Grams
February 16th, 2026 08:20 PM
Thank you, George, for your kind feedback. I'm pleased to hear that you found the mortgage process clear and stress-free. It was my priority to keep you informed and address your questions promptly. Your recommendation means a lot to me, and...
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Smooth process
Reply from Kristy Grams
February 16th, 2026 02:37 PM
It's great to hear that you found the process smooth, Robert. I'm pleased I could assist you, and if there’s anything more I can do, please don’t hesitate to contact me.
Kristy provided outstanding service from start to finish. She guided me through the entire process, kept me informed, and made sure everything stayed on track. Thanks to her hard work and support, I was able to get my home. I highly recommend...
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Reply from Kristy Grams
February 15th, 2026 07:48 PM
George, it's great to know that you felt supported throughout the entire process. I'm glad to hear that my guidance was helpful in getting your home. Thank you for recommending my services, and if you need any assistance in the future, don't...
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Kristy is always wonderful to work with! I recommend her to everyone, from first-time buyers to investors. She goes above and beyond, is incredibly knowledgeable, and truly makes the process easy. I can’t say enough great things about her!
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Reply from Kristy Grams
February 9th, 2026 08:09 PM
It's fantastic to hear such positive feedback, Sierra. Knowing that my efforts have made the process straightforward for you is heartening. Your recommendation means a lot to me, and I'm grateful for your trust. 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.