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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Reviews from Web
Kristy is top notah couldn't ask for any better. Her communication was top notch.
Reply from Kristy Grams
November 23rd, 2024 05:01 PM
Thank you so much for your positive feedback, Billie! I'm truly pleased to hear that you appreciated my communication skills. At Presidential Bank Mortgage, we strive to provide top-notch service to every customer. Your satisfaction and positive...
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great service.
Reply from Kristy Grams
November 20th, 2024 04:09 PM
It's wonderful to hear that you're pleased with the service, Tial! It's always been my goal to provide unparalleled assistance to all customers at Presidential Bank Mortgage. I'm thrilled to know that I was able to achieve that with you. I...
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Kristy made the process smooth and was very quick to answer. We appreciate her service. Bruce Neterer
Reply from Kristy Grams
November 18th, 2024 08:03 PM
I'm thrilled to hear that you found the process smooth and appreciated my quick responses, Bruce. Your satisfaction is my top priority and I couldn't be happier knowing that I was able to provide you with a five-star service. Thanks for choosing...
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Kristy is exceptional and very professional. She is always responsive to our enquiries or concerns and ready to talk anytime we need an answer right away. This is our second time working with Kristy and she is now our loan Officer until she...
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Reply from Kristy Grams
November 15th, 2024 05:14 PM
I'm overjoyed to hear about your positive experience, Rita! It has been a pleasure assisting you with your mortgage needs both times, and I'm extremely humbled by your appreciation. Your trust and faith in me mean a lot. I'm here for you whenever...
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She kept us informed and gave us critical important information that we needed to know in a timely manner
Awesome experience
Reply from Kristy Grams
November 13th, 2024 02:30 PM
Thank you so much for the stellar rating and kind words, Ted. I'm delighted to hear that you had an awesome experience working with me at Presidential Bank Mortgage. Keeping clients informed and providing crucial information in a timely fashion...
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Great communication and great advice !!!
Reply from Kristy Grams
November 12th, 2024 05:57 PM
I'm thrilled to hear that you had such a positive experience, Matthew! Your kind words about my communication and advice mean a lot to me. I always strive to provide the best service to my clients at Presidential Bank Mortgage. Thank you for...
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The experience was great. Service was professional, insightful and communication was prompt . Thank you.
Reply from Kristy Grams
November 5th, 2024 02:42 PM
Thrilled to hear you had such a positive experience, Aaron! It's always a top priority to provide professional and insightful service at Presidential Bank Mortgage. Thank you for the perfect rating and for taking the time to write this review....
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Kristy was wonderful. Great communication, was so fast with everything. We were so pleased with our experience that we have recommended multiple people to go to her already.
Reply from Kristy Grams
November 2nd, 2024 07:34 PM
Thank you so much for your glowing review, Summer! I'm thrilled to hear you were satisfied with your experience with me at Presidential Bank Mortgage. Your recommendation means a lot to me, and I can assure you that I will continue working...
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I recommend all of my clients to Kristy if they are in need of financing. She is wonderful to work with, great with first time home buyers, is quick to respond and always gets my clients qualified quickly.
Reply from Kristy Grams
November 2nd, 2024 02:52 PM
Hello Sierra, I'm thrilled to hear that your experience with me and Presidential Bank Mortgage has been so positive. It's always my aim to provide top-quality service, especially for first-time home buyers who may find the process a bit daunting....
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Every th ing about Kristy is great! She's amazing and we feel like she's part of our family! We absolutely love her!
Reply from Kristy Grams
November 2nd, 2024 02:40 PM
Thank you so much for your kind words, Evan! I'm thrilled to hear that you had such a positive experience with me at Presidential Bank Mortgage. It's always my goal to make my clients feel like family. I absolutely love working with you too!...
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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.