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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helpful and kept us updated on what was needed
Reply from Kristy Grams
October 2nd, 2025 03:13 PM
I'm pleased to hear that you found the updates and assistance helpful throughout the process, Lisa. Keeping clients informed is always a priority for me. If there's anything else you need or if you have further questions, just let me know.
Kristy Grams has received a review with 5 star rating from Elliott H
Reply from Owner
October 2nd, 2025 03:13 PM
I appreciate your rating, Elliott. Thank you for your support.
was phenomenal all around should answer the phone at all hours a day and night even on vacation and always got back to us with answers in a timely manner. She was extremely transparent and provided us with all of our options upfront and always...
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Reply from Kristy Grams
September 16th, 2025 03:19 PM
Elliott, I appreciate you taking the time to share your experience. Your kind words mean a lot to me, and I'm glad to hear that my efforts to provide transparent and accessible service made your transaction smoother. It's important to me that...
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KRISTY GRAMS IS THE ABSOLUTE BEST LENDER IN THE BUSINESS!!!
Reply from Owner
October 2nd, 2025 03:13 PM
I appreciate the perfect rating, Lisa! If you ever have any questions or need assistance in the future, I'm here to help.
Kristy Grams is the Best in the Business. She is always going above and beyond for each client. She is not your typical lender where she turns her phone off at 5:00. She has answered my calls and my clients calls at 9 o clock at night. Always...
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Reply from Kristy Grams
September 16th, 2025 03:17 PM
Lisa, I truly appreciate your generous review. It's great to hear that my efforts to be accessible and supportive have made a difference for you and your clients. Building reliable relationships is important to me, and I'm pleased that I've...
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It was a smooth process from start to finish any questions we had were clarified and broke down.
Reply from Kristy Grams
September 3rd, 2025 10:33 PM
I'm pleased to hear that the process was smooth for you, Adam. I always aim to provide clear and thorough explanations to any questions that arise. If there's anything else you need or further clarification, don't hesitate to reach out.
How helpful and undersranding about the situation she was just going above and beyond to make sure everything was done correctly
Reply from Kristy Grams
September 1st, 2025 01:54 PM
Nicholas, I truly appreciate your kind review. Understanding your situation and ensuring everything was handled correctly is always my aim, and I'm glad to hear that it made a difference for you. Going above and beyond for my clients is something...
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Im a first time buyer and she was very,informative n helpful with my process
Reply from Kristy Grams
August 30th, 2025 06:07 PM
Thank you for sharing your experience, Paul. It's wonderful to know that I could help make your first home-buying journey informative and supportive. I understand how important this milestone is, and I'm grateful to have been part of it. If...
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We are grateful for Kristy ! She did an amazing job in helping us obtain our first home! Definitely recommend her, she keeps in communication and is very assuring. We definitely recommend!
Reply from Owner
August 30th, 2025 06:06 PM
Thank you so much, Christine, for sharing your experience. I'm thrilled to hear that I could assist you in securing your first home. Your recommendation means a lot to me, and I'm glad the communication and support provided were reassuring...
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Kristy was very attentive, her communication throughout the whole process of homebuying is unmatched. She spelled everything out for us , up to the most minimal detail and was very assuring! We are glad we had her during our first homebuying...
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Reply from Kristy Grams
August 22nd, 2025 04:15 PM
Thank you, Christine, for taking the time to share your experience. I'm thrilled that you found my communication helpful throughout your homebuying journey. It's important to me that every detail is clear and reassuring, especially when buying...
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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.