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 the best loan officer i ever work with .
Reply from Kristy Grams
April 12th, 2025 05:44 PM
I'm thrilled to hear that you had such a positive experience working with me. Thank you for your kind words, Cyrus. It was a pleasure assisting your clients with their mortgage needs! I look forward to working with you in the future!
Kristy was so helpful and informative to us throughout the whole process. She is very friendly, outgoing, and easy to talk to/communicate with. Thank you Kristy!
Reply from Kristy Grams
April 1st, 2025 06:51 PM
I'm delighted to hear that you found the process helpful and informative. It was a pleasure assisting you, and I appreciate your kind words. I look forward to working with you in the future. Thank you for choosing Presidential Bank Mortgage!...
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Their was never a point where we weren't aware of what was going on. Kristy did a awesome job keeping us up to date with the process. She did a excellent job providing us explanations to things we were completely new to. Thank you Kristy!
Reply from Kristy Grams
March 21st, 2025 11:58 PM
Thank you so much, Rene! I'm really glad to hear that you felt informed and supported throughout the process. It was my pleasure to guide you and ensure everything was clear and manageable. If you ever have more questions or need assistance...
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Kristy grams was very pleasant and very professional she was great to deal with and answered any questions that I had and if I had to do it all over again she would definitely be the person I'd like to work with I like to thank her personally...
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Reply from Kristy Grams
March 19th, 2025 02:15 AM
Hi William, Thank you so much for your kind words! I'm thrilled to hear that you had such a positive experience. It was truly a pleasure working with you and helping you navigate through the process. I’m here for any future needs you may have...
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Kristy and her team were very responsive! I will definitely be using her in the future and had the most professional and delightful experience ever purchasing a home. Kristy and her team are an asset to this company. Hands down 5 star service!...
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Reply from Kristy Grams
March 13th, 2025 02:17 PM
Angela, thank you so much for your kind words! It was truly a pleasure working with you and being part of your home-buying journey. I'm thrilled to hear that you had a delightful experience with us. I'm here whenever you need me in the future....
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Working with Kristy is always a pleasure! She's super fast and efficien! :)
Reply from Kristy Grams
March 11th, 2025 01:29 PM
Gabby, thank you so much for your kind words! It’s always a joy working with you too. I’m thrilled to hear that you find my service fast and efficient. Looking forward to helping you again in the future! 😊
Kristy is incredibly easy to work with and makes the home buying process a piece of cake! I recommend her to everyone in the market!
Reply from Kristy Grams
March 10th, 2025 07:13 PM
Michael, thank you so much for your kind words! It was a pleasure working with you and helping you through the home buying journey. I'm thrilled to hear that you found the process easy and enjoyable. Your recommendation means a lot to me. If...
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Kristy was just amazing with her communication, always willing to answer questions (by phone, text, or email), and flexible. As a first-time homebuyer, I really appreciate the time she took with me no matter what my questions or concerns were...
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Reply from Kristy Grams
March 6th, 2025 02:44 PM
Lakisha, thank you so much for your kind words! I'm thrilled to hear that you felt supported during your first home-buying experience. It was truly a pleasure working with you and being a part of this exciting journey. I'm so glad I could help...
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Kristy was amazing to work with! She is fast replying, very knowledgeable, and Friendly !
Reply from Kristy Grams
March 4th, 2025 05:55 PM
Hunter, thank you so much for your kind words! I'm thrilled to hear that you had a great experience working with me. Providing quick responses and sharing what I know is really important to me, and I'm glad it made a difference for you. It...
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Kristy was very helpful, timely, and gave us loads of advice which we definitely needed as first time home buyers.
Reply from Kristy Grams
February 19th, 2025 12:36 AM
Corinne, I'm thrilled to hear that you found my help beneficial during your home-buying journey. It was a pleasure working with you and providing the guidance you needed as first-time buyers. If you have any more questions or need further assistance...
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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.