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 a great Mortgage Professional.
She is efficient, informative, and supportive. She provides excellent service, combined with superior communications.
We would recommend her to anyone looking for mortgage services.
Reply from Kristy Grams
August 20th, 2024 02:15 PM
I'm incredibly grateful for your kind words, Akemi! It was truly a pleasure to work with you and assist in your journey to find the right mortgage solution. Your recommendation means a lot to me and the team at Presidential Bank Mortgage. Should...
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Kristy made the entire experience of partnering with a lender a knowledgeable breeze for my first home purchase. Not only did Kristy help me every step of the way, she took her time to explain details and situations to me about the leading...
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Reply from Owner
September 29th, 2024 12:00 AM
Thanks Tim it was a pleasure working with you! I'm so pleased to hear you had a positive experience. 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...
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Kristy made each step of the home buying process a breeze - her communication was excellent and efficient. I truly believe that Kristy puts 100% into her work and customer service.
Thank you!
Reply from Kristy Grams
August 12th, 2024 02:01 PM
I'm absolutely thrilled to hear that your home buying experience was smooth and efficient, Timothy. It's always my goal to ensure communication is clear and quick, and I couldn't be happier to hear that you felt I put 100% into my work and...
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We doing well
Reply from Kristy Grams
August 8th, 2024 01:42 PM
I'm thrilled to hear that you're doing well, Dung! Your positive feedback means a lot to me and the whole team here at Presidential Bank Mortgage. It's always a joy to earn perfect ratings from our valued customers. Thank you for your support...
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I am a realtor who’s been working with Kristy for every loan. She is the best loan officer i ever known be ause every loan, she never misses or fails the settlements .Every agent should use Kristy for their buyers if they want to close on time...
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Reply from Kristy Grams
August 8th, 2024 01:43 PM
Hi Cyrus, I'm so thrilled to hear your glowing review! It's always a pleasure working with you on each loan. Ensuring that every settlement goes smoothly is my top priority. I'm grateful for the trust you've placed in me and Presidential Bank...
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Thank you & God bless you
Reply from Kristy Grams
August 8th, 2024 01:44 PM
Thank you so much, Hoi, for taking the time to leave such a lovely review. I'm thrilled to hear that your experience with Presidential Bank Mortgage was positive. It's always a pleasure to provide the best possible service to my customers....
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Kristy is patient. She listens and provides feedback with explanations to my questions, as well as suggestions.
Reply from Kristy Grams
August 6th, 2024 05:04 PM
I deeply appreciate you taking the time to leave such a wonderful review, Stanislaus. It was truly a pleasure assisting you. Your feedback is so valuable to me, and it's wonderful to know that my approach to communication and feedback resonates...
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Kristy was very helpful and personable throughout the process. Highly recommend.
Reply from Kristy Grams
August 6th, 2024 04:09 PM
Thank you so much, Justin, for such a great rating and recommendation! I'm thrilled to hear that you found my assistance helpful during the process. It was a pleasure working with you. Remember, at Presidential Bank Mortgage, we’re always here...
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Kristy Grams exceeded all our expectations in securing a mortgage for our new home. Her professionalism, attention to detail, and dedication to finding the best possible terms for us were remarkable. Kristy guided us through each step with...
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Reply from Owner
September 29th, 2024 12:00 AM
I'm absolutely thrilled to hear such kind words, Belinda! 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...
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Kristy Grams exceeded all our expectations in securing a mortgage for our new home. Her professionalism, attention to detail, and dedication to finding the best possible terms for us were remarkable. Kristy guided us through each step with...
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Reply from Kristy Grams
August 3rd, 2024 04:21 PM
Hi Belinda, I'm delighted to hear you had such a positive experience with our mortgage process. It makes me happy to know that my dedication and attention to detail were appreciated and beneficial to you. Guiding clients like you through each...
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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.