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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Excellent Team work with Agents and Title companies.
👍👍👍
Reply from Kristy Grams
December 30th, 2025 02:26 PM
I'm grateful for your feedback, Jose. It's rewarding to hear that the collaboration with agents and title companies went smoothly. I aim to facilitate efficient teamwork, so it's gratifying to know it contributed positively to your experience....
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I like this house so than you so much
Reply from Kristy Grams
December 30th, 2025 02:26 PM
I'm pleased to hear that you like the house, Saw. It was my pleasure to assist you in your journey to find the right home. If you have any further questions or need assistance, don't hesitate to reach out.
Kristy was super helpful and informative
Reply from Kristy Grams
December 10th, 2025 01:28 AM
I'm pleased to know that you found my assistance helpful and informative, Allison. It was a pleasure working with you. If there's anything more I can do to support you in the future, please feel free to reach out anytime.
Kristy was patient, honest, transparent, and helped answer any questions i I had. She made sure the process was explained so I had full understanding of what to expect and what would happen next. i Really appreciated having this type of partnership...
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Reply from Kristy Grams
December 6th, 2025 02:40 PM
Maranda, thank you for your thoughtful review. I'm pleased to hear that my approach helped you feel informed and supported during the process of buying and selling your home simultaneously. It's important to me that you felt comfortable with...
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Kristy Grams with Presidential Mortgage is truly exceptional. Her customer care is second to none — she takes the time to listen, support, and guide clients through every step of the lending process. Kristy’s knowledge is outstanding, and she...
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Reply from Kristy Grams
December 6th, 2025 02:41 PM
I'm grateful for your generous review, Joe. It’s wonderful to know that you felt well-supported and informed throughout the process. Your words about my approach and knowledge mean a lot to me, and I’m glad I could offer clarity and ease even...
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Kristy is an exceptional loan officer. She kept me informed throughout the whole process and answered all of my numerous questions. She is so knowledgeable on the home buying process and is such a pleasurable person to work with! I cannot wait...
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Reply from Kristy Grams
November 24th, 2025 05:45 PM
Kimothy, it's great to hear that you had such a positive experience. Keeping you informed and addressing questions is an essential part of my work, and I'm glad to know it was helpful. Your kind recommendation means a lot, and I'm grateful...
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Kristy is a rock star!
Reply from Kristy Grams
November 20th, 2025 03:29 PM
I'm grateful for your enthusiastic feedback, Robert. It's fantastic to know that you had such a positive experience. If there's anything else I can do for you, please don't hesitate to reach out.
She is an amzing person. She kept me infor at all time. There is so much I can say but dont have enough space to write it down. All I can say in small words is that anyone can truly trust her to do her best and make it happen. I want to thank...
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Reply from Kristy Grams
November 19th, 2025 01:47 PM
I'm grateful for your kind words, Jennifer. Knowing that you felt informed throughout the process and that I could assist your family means a lot to me. Trust is so important, and I'm honored by your confidence in my ability to help make things...
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Kristy was super reassuring and sweet. I would 10/10 recommend her to anyone.
Reply from Kristy Grams
November 17th, 2025 01:28 PM
It's wonderful to know that you felt reassured and supported during our time working together. Your recommendation means a lot to me, and I'm grateful for the opportunity to help. If you ever need anything else, feel free to reach out.
Kristy G. is the go to professional for all things lending. I have partnered with her several times and she always deliver. If you are looking for someone who will work hard for you, Kristy is the way to go.
Reply from Owner
November 17th, 2025 01:29 PM
Your confidence and trust in my work mean so much to me, Chau. It's been a pleasure partnering with you, and I'm pleased to know that my efforts have met your expectations consistently. If you have any future needs or questions, I'm here to...
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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.