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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My husband and I pur will be forever grateful to Kristy. She consistently took time out of her day to offer advice and kept us updated on the latest trends with insurance rates and home prices. She explored other areas with us after our search...
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Reply from Kristy Grams
September 28th, 2024 02:29 PM
Melinda, your generous review is greatly appreciated, and I'm delighted to know that my guidance was helpful during your home buying process. It was a pleasure working with you and Luke, offering advice, and helping you navigate a challenging...
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She made everything very clear and explained everything very thoroughly.
Reply from Kristy Grams
September 28th, 2024 01:52 AM
I'm so pleased to hear you had a positive experience, Tyler. It's crucial for me to ensure that my clients understand every step of the mortgage process, so I'm glad I was able to make everything clear for you. Thank you for the kind words...
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Kristy is AMAZING! Positive attitude, was such a pleasure working with her!
Reply from Kristy Grams
September 26th, 2024 01:06 PM
I'm absolutely thrilled to hear such kind words, Sara! It was truly my pleasure to work with you, too. Your positive feedback means a lot to me and further motivates me to maintain high standards in my work. Thank you for taking the time to...
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Kristy and team were always in contact and quick with responses to any of my questions. She made the overall process very easy.
Reply from Kristy Grams
September 25th, 2024 03:33 PM
I'm thrilled to hear that you had a positive experience with our team. We always strive to provide a seamless process and I'm glad we were able to deliver that for you. We really appreciate your positive feedback and the perfect rating. Thank...
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High Efficient professional service from the beginning to settlement.
So much Thanks from sellers snd buyers.
👍👍
Reply from Kristy Grams
September 24th, 2024 02:44 PM
I'm thrilled to hear that you found my service efficient and professional, Jose. Hearing that both the sellers and buyers are satisfied truly means a lot to me. Your positive feedback is the reason I strive to maintain the high standards at...
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She is the Best Lender I have ever worked with.
Reply from Kristy Grams
September 16th, 2024 06:44 PM
I'm so glad to hear that you had such a positive experience, Lisa! Ensuring clients have a smooth and successful mortgage process is my top priority at Presidential Bank Mortgage. It's wonderful to know that I've been able to meet your expectations...
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👍👍👍👍👍👍👍👍👍👍👍
Reply from Kristy Grams
September 14th, 2024 02:08 PM
Hey Christopher! So thrilled to see your review and that you had a great experience with me at Presidential Bank Mortgage. It's always wonderful to hear from happy customers. Thanks for the thumbs up and the perfect rating, it means a lot!...
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The entire process
Reply from Kristy Grams
September 6th, 2024 07:19 PM
I'm truly glad to hear that you had a fantastic experience with us, Anil. It's always our top priority to ensure a smooth process for our customers at Presidential Bank Mortgage. Your positive feedback and five-star rating are greatly appreciated....
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Experienced dependable service
Reply from Kristy Grams
September 6th, 2024 01:13 PM
I'm thrilled to hear that you had a great experience with us, Rebecca. Your kind words mean the world to me and everyone here at Presidential Bank Mortgage. It's always our aim to provide dependable service and I'm glad we hit the mark for...
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Kristy was willing and available to answer all of my questions. She went through the home buying process with me step by step. This was my first time buying a home and she made it feel comfortable and made me feel I was not navigating the process...
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Reply from Kristy Grams
August 28th, 2024 03:27 PM
Thank you so much for the positive feedback, Ashley! I'm thrilled to hear that you felt comfortable and supported throughout the home buying process. It was my pleasure to assist you, especially since it was your first time buying a home. 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.