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 GRAMS made it great. She is genuine, thoughtful, knowledgeable, and pleasant to work with. Her service exceeds professional standards, she actually CARES about your situation. Kristy did not have an easy case with us, yet she was present,...
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Reply from Kristy Grams
June 6th, 2025 12:03 AM
I'm thrilled to hear about your positive experience with the mortgage process. It was a pleasure working with you, and I'm glad I could assist with your financial needs and provide valuable advice for the future. Thank you for your kind words...
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She made an impossible deal happen. She is truly the Best!!
Reply from Kristy Grams
May 31st, 2025 05:11 PM
I'm thrilled to hear that I could assist in making your deal possible. Thank you for your kind words, Lisa. It was a pleasure working with you.
my family and I start liking this house and it made my kids happy
Reply from Kristy Grams
May 30th, 2025 04:26 PM
I'm thrilled to hear that you and your family are happy with your new home. It was a pleasure assisting you through the process. If you need anything in the future, please feel free to reach out.
Everyone was very helpful.
Reply from Kristy Grams
May 30th, 2025 04:26 PM
I'm glad to hear that you found our team helpful, Terrell. It was a pleasure assisting you at Presidential Bank Mortgage. Thank you for the positive feedback.
Kristy was our loan officer for an investment property we purchased in Baltimore. Her professionalism, knowledge, skill was very evident but above all, was her ability to work with us and give us options. The loan interest she obtained for...
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Reply from Kristy Grams
May 6th, 2025 06:44 PM
I'm thrilled to hear that you had such a positive experience with your investment property loan process. It was a pleasure working with you and providing options that met your needs. I'm glad the loan terms and referrals exceeded your expectations....
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Kristy was on point and fast on get us done. Kristy was a nice and polite person on the phone.
Reply from Kristy Grams
May 2nd, 2025 04:48 PM
I'm thrilled to hear that you had a positive experience with my service. It was a pleasure assisting you, and I appreciate your kind words. Thank you for choosing Presidential Bank Mortgage.
Kristy is wet knowledg, quick to respond and and there every step of the process with amazing customer suppor!
Reply from Kristy Grams
May 1st, 2025 02:35 PM
I'm thrilled to hear that you appreciated my support and found my knowledge helpful throughout the process. It was a pleasure working with you at every step. Thank you for your kind words and for choosing Presidential Bank Mortgage.
She was very responsive, very helpful in all aspects and very wasy to work with. Made buying a house for the first time a very smooth process.
Reply from Kristy Grams
April 29th, 2025 01:31 PM
I'm thrilled to hear that you found the home-buying process smooth and that my responsiveness and assistance were helpful to you. It was a pleasure working with you, and I appreciate your kind words.
Kristy's experience, knowledge, guidance and support throughout the process was unmatched.I admire most her ability to forecast and secure the right mortgage solution for her cluent. I am a repeat client, she assisted me 13 years ago to secure...
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Reply from Kristy Grams
April 26th, 2025 01:00 PM
I'm thrilled to hear that my experience and support made a positive impact on your mortgage process. It was an honor to assist you again after 13 years, and I appreciate your trust and loyalty. Thank you for your kind words and for choosing...
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Kristi is knowledgeable, professional and accessible. Just amazing. We never had to chase her down for anything. Our realtor was so impressed that she will be referring Krist to her clients.
Reply from Kristy Grams
April 16th, 2025 09:17 PM
I'm thrilled to hear that you had such a positive experience. It was a pleasure assisting you, and I am grateful for your kind words. Knowing that your realtor was impressed and plans to refer clients is truly rewarding. Thank you for 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.