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 is very knowledgeable with her job and she has excellent customer service skills. I am very thankful for her help in helping me become a home owner again. Thank you very much Kristy......love always!
Reply from Kristy Grams
October 31st, 2025 12:10 AM
It's great to know that you found my assistance helpful, Grace. I'm pleased to have played a part in your journey to homeownership again. Should you have any questions or need further assistance, please don't hesitate to get in touch. Congratulations...
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From the very beginning to the end, Kristy's assistance was impeccable. Her guidance, transparency, and her charisma truly helped shape the process into a wonderful experience.
Reply from Owner
October 31st, 2025 12:09 AM
It's great to hear that you had such a positive experience, Joanna. I'm pleased that my guidance and transparency were helpful, and I'm glad my approach made the process enjoyable for you. If you need any further assistance or have questions...
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From the very beginning to the end, Kristy's assistance was impeccable. Her guidance, transparency, and her charisma truly helped shape the process into a wonderful experience.
Reply from Kristy Grams
October 28th, 2025 01:31 AM
I'm grateful for your review, Joanna. It's rewarding to hear that my guidance and transparency made a positive impact on your experience. It was genuinely a pleasure working with you. Should you need any further assistance or have questions...
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Kristy is amazing! She's always super responsive , available all the time and super organized!
Reply from Kristy Grams
October 27th, 2025 01:37 PM
I'm grateful for your kind words, Gabby. It's important to me to be responsive and organized to ensure a smooth process for you. If you ever need further assistance, I'm just a message away.
Kristy answered all my questions in a timely manner and sought the best rates. She was quick to run numbers and provided clear updates on what was expected from me or what was to come. Kristy was easy to work with and made me feel like her...
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Reply from Owner
October 26th, 2025 08:02 PM
Thank you so much for your kind words! It was a pleasure working with you and helping you through the process. I’m so glad to hear you felt supported and well-informed along the way — that’s always my goal. I truly appreciate your trust and...
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Kristy answered all my questions in a timely manner and sought the best rates. She was quick to run numbers and provided clear updates on what was expected from me or what was to come. Kristy was easy to work with and made me feel like her...
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Reply from Kristy Grams
October 24th, 2025 11:26 PM
It's great to hear that you had a positive experience, Benjamin. I'm glad I could provide timely answers and secure the best rates for you. Making sure you're well-informed and comfortable throughout the process is important to me. If you need...
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Kristy, was extremely responsive and helped ease the stress of purchasing a home.
Reply from Kristy Grams
October 24th, 2025 01:45 PM
I'm pleased to know that my responsiveness helped in making your home-buying experience less stressful, Frances. It was a pleasure to assist you throughout the process. If there's anything else I can do or if you have more questions in the...
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I have worked with Kristy for years and she always delivers excellent service.
Reply from Kristy Grams
October 24th, 2025 12:38 PM
Thank you very much for your kind words, Christy. It's been a pleasure working with you over the years and I'm pleased to hear that the service has consistently met your expectations. If there's ever anything more I can do to assist you, please...
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great experience, very helpful threw the whole experience
Reply from Kristy Grams
October 20th, 2025 03:10 PM
I'm pleased to hear that your experience was positive and helpful throughout, Carl. It was my pleasure to assist you, and I appreciate your feedback. If you have any further questions or need any assistance in the future, feel free to reach...
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Incredibly friendly, very informative and always available to answer questions!
Reply from Kristy Grams
October 10th, 2025 03:43 PM
I'm pleased to hear that you found my approach both friendly and informative, Elisa. It was important to me to be accessible whenever you had questions, as I believe clear communication is key. Thank you for highlighting these aspects of your...
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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.