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 was responsive to every communication. She kept the client informed and was re-assuring when the process seemed challanging. At the end of the day - Kristy delivered on everything on the lending side. 10/10
Reply from Kristy Grams
November 14th, 2025 04:55 PM
I'm grateful for your feedback, Chau. It's great to know that my communication and guidance helped make the process smoother for you. Ensuring you're informed and reassured during each step is important to me, and I'm pleased everything worked...
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Kristy was absolutely wonderful! She kept us updated every step of the way and gave us such helpful tips for the final stages of buying our home. We really appreciated her patience, knowledge, and support throughout the process. She truly made...
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Reply from Kristy Grams
November 12th, 2025 03:50 AM
It's great to hear that I could make the home-buying process easier for you, Tathiana. Staying informed and providing support throughout such a significant journey is always my priority. Your kind words about my patience and knowledge mean...
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Kristy Grams has received a review with 5 star rating from Kevin Z
Reply from Owner
November 12th, 2025 02:14 AM
I appreciate your rating, Kevin. If you have any questions or need further assistance, feel free to reach out.
She was amazing and so helpful and she was just great!
Reply from Kristy Grams
November 12th, 2025 02:14 AM
It's wonderful to know that you found the experience so positive. I appreciate your kind words and am pleased I could be of help. If there's anything more you need or any questions you'd like to discuss, don't hesitate to reach out.
Kristy was so helpful during the entire process. Super clear about what we needed to do. I couldn't have gotten my house without her!
Reply from Kristy Grams
November 7th, 2025 09:04 PM
It's wonderful to learn that I could assist you through the process, Rachel. Clear communication is something I strive for, so I'm pleased to know it made a difference for you. Congratulations on your new home! If there's anything else you...
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Working with Kristy was an absolute pleasure from start to finish. She made what can often be a stressful process feel smooth and simple. From the very beginning, Kristy took the time to explain every detail clearly, answered all of our questions...
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Reply from Kristy Grams
November 5th, 2025 01:28 PM
Tiffany, I'm grateful for your kind words. It's great to hear that I could help make the process smooth and straightforward for you. Clear communication is key in ensuring a stress-free experience, and I'm glad that was reflected in our work...
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Never thought Id be able to buy a house and they helped me step by step to get it done
Reply from Kristy Grams
November 5th, 2025 01:22 AM
It’s encouraging to hear about your experience, Jacob. Knowing that I could assist you throughout the home-buying journey is rewarding. If anything else comes up or you need more assistance, don't hesitate to reach out.
Kristy went far and befor beyond every time. She was always available when I had questions regardless the time of the day. She's very prompt to respond back to text and calls. Overall working with Kristy made my home purchase experience much...
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Reply from Kristy Grams
November 5th, 2025 12:11 AM
Helder, I appreciate your kind words. I'm pleased that my efforts were helpful during your home purchase experience. Ensuring prompt communication and support is important to me, and it's good to know it made a positive difference for you....
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Kristy Was Great and responding any question was best I have ever seen.
Reply from Kristy Grams
November 4th, 2025 09:08 PM
I'm grateful for your kind words, Nicholas. It's wonderful to hear that you found my responses helpful. Being available to answer your questions is important to me, and I appreciate you recognizing that effort. If you ever need anything else,...
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Kristy and Ashley were fast and a pleasure to deal with, as always!
Reply from Kristy Grams
November 4th, 2025 08:09 PM
I'm glad to know that you found our service quick and enjoyable, Timothy. It's always a pleasure to assist you, and working with Ashley has been great as well. If you ever need anything else, please feel free to reach out at any time.
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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.