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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Helpfull and onetime
Reply from Kristy Grams
January 30th, 2026 06:35 PM
I appreciate your review, Ve. It's good to know that you found my assistance helpful and timely. If there's anything more I can do for you, please don't hesitate to reach out.
Kristy was great to work with from start to finish. She stayed on top of everything, kept me in the loop the whole time, and made sure I always knew what was coming next. What really stood out was how much effort she put into helping me save...
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Reply from Kristy Grams
January 26th, 2026 06:53 PM
Josiah, I'm glad to hear that your experience was smooth and manageable. Ensuring you're well-informed and comfortable throughout the process is important to me, and I always strive to help clients find ways to save. Your recommendation means...
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Kristy went above and beyond to help my son secure his dream of owning his own home! Thank you so much for making this process easier and painless!
Reply from Kristy Grams
January 26th, 2026 05:18 PM
I’m pleased to hear that I could assist your son in achieving his dream of homeownership, Mary. Making the process easier and smoother is always a priority for me. If you or your son have any questions or need assistance in the future, feel...
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Kristy was on par keeping everyone on track and helped overcome many obstacles
Reply from Kristy Grams
January 24th, 2026 02:13 AM
Your feedback is much appreciated, Chris. I'm pleased that I was able to assist in keeping things organized and help navigate through the challenges. If there's anything else you need or if any questions arise, don't hesitate to reach out.
Kristy Grams has received a review with 5 star rating from Tony J
Reply from Owner
January 24th, 2026 02:13 AM
I appreciate your rating, Tony. If there’s anything further you'd like to discuss, feel free to reach out.
she was very helpful I would recommend to my friends
Reply from Kristy Grams
January 6th, 2026 02:09 PM
I'm grateful for your recommendation, Awad. It's wonderful to know that you found my assistance helpful. If your friends have any questions or need support, I'd be more than happy to help. Thank you for your trust and support.
I have a great experience w with Kristy on my refinance. Thank you
Reply from Kristy Grams
January 6th, 2026 02:09 PM
I'm pleased to hear about your positive experience with your refinance, Van. Thank you for sharing your feedback. If you have any further questions or need assistance in the future, please reach out anytime.
Kristy is very informative and helpful in the whole process always looking for ways she can help ! she made our first time home buying experience better!
Reply from Kristy Grams
January 2nd, 2026 02:46 PM
It's great to hear that I could contribute positively to your first home-buying experience, Rachel. I'm pleased that you found the information and support throughout the process helpful. If you have any more questions or need future assistance,...
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Kristy Grams has received a review with 5 star rating from Saju K
Reply from Owner
January 2nd, 2026 02:46 PM
I appreciate your high rating, Saju. Thank you for your support.
Everything
Reply from Kristy Grams
December 30th, 2025 05:13 PM
Thank you for your feedback, Saju. I'm pleased to know you had such a positive experience. If there's anything else I can assist you with, don't hesitate to let me know.
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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.