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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We couldn't be happier with the exceptional service we received from Kristy Grams. From the very first meeting, she demonstrated extensive knowledge and a genuine willingness to help us understand our options. Kristy was always available to...
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Reply from Kristy Grams
August 3rd, 2024 04:21 PM
Thank you so much for the kind words, Joshua! I'm thrilled to hear that your experience with the mortgage process was seamless and stress-free. It was truly a pleasure to assist you and provide you with the necessary information to understand...
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She went above and beyond
Reply from Kristy Grams
August 3rd, 2024 04:20 PM
Thank you very much, Joseph, for the fantastic 5-star review! It means a lot to me and to our team here at Presidential Bank Mortgage. I'm thrilled to hear that you felt I went above and beyond. I aim to provide the best service to my clients,...
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Kristy was kind and extremely helpful during this stressful process for me. She made my home buying process 10x easier.
Reply from Kristy Grams
August 1st, 2024 04:03 PM
I'm thrilled to hear that I was able to help you navigate through this process and make it less stressful, Nichole. Your feedback means a lot to me. I'm so glad that your home buying process was made easier. That's always my goal. If there's...
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Kristy always took the time to answer any questions we had! We would definitely recommend her to anyone looking to buy a home.
Reply from Kristy Grams
July 31st, 2024 02:39 PM
I'm over the moon to hear such positive feedback, Margaret! Taking the time to ensure all your questions were answered was my pleasure. I'm here to make the home-buying process as smooth as possible. Your recommendation means the world to me....
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Kristy was on top of things, she is detail oriented, and knows what is going on and where you are in the process.
Reply from Kristy Grams
July 31st, 2024 01:11 AM
I'm thrilled to hear that you had such a positive experience, Paula! I always strive to stay on top of all the details to ensure a smooth process for my customers. Your feedback validates the work we do at Presidential Bank Mortgage. Thank...
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Kristy is very attentive to her clients, has great communication skills and is an incredible asset to her clients! I would recommend her to anyone!
Reply from Kristy Grams
July 31st, 2024 01:09 AM
Hi Sierra, thank you so much for the kind words and the amazing 5-star review! I'm thrilled to hear about your positive experience. I always strive to provide the best possible service to my clients, and I'm glad to know it made a difference...
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Kristy was very honesty, took the time to explain everything, even when I was upset and had second thoughts, she never pushed me she always let it be my choice in wanting to move forward. She was super friendly kind caring and understanding....
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Reply from Kristy Grams
July 30th, 2024 03:11 PM
Hi Samantha, I'm so thrilled to hear that you had such a positive experience with me at Presidential Bank Mortgage! I always strive to provide the utmost transparency to all my clients and I'm glad to hear you felt supported through your decision-making...
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Kristy was always available for questions and concerns. Great customer service.
Reply from Kristy Grams
July 27th, 2024 01:38 PM
I'm so glad to hear that you had a positive experience, Jason! Your feedback is incredibly appreciated. I always strive to be available for my clients and provide the best service possible. I'm delighted that you took notice. Thank you for...
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Great Job! Thank you again!
Reply from Kristy Grams
July 25th, 2024 02:29 PM
I'm thrilled to hear that you had a great experience! Your kind words and the time you took to write this review mean the world to me. As part of the Presidential Bank Mortgage team, I'm always here to assist you. If you need anything in the...
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Kristy was very patient and knowledgeable, she was forward and communicative and helped every step of the way.
Reply from Kristy Grams
July 18th, 2024 02:22 AM
I'm thrilled to hear that you had a positive experience working with me at Presidential Bank Mortgage. It was a pleasure assisting you through each step of your mortgage process. Providing clear communication and supporting my clients is very...
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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.