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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The phone was always picked up and questions were always answered. Everything was explained all the way through
Reply from Kristy Grams
July 9th, 2024 06:18 PM
Thank you, Jacob! I appreciate your positive feedback about your experience. At Presidential Bank Mortgage, we always strive for clear and open communication with our clients. Knowing that you felt I was always available and able to answer...
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Kristy was so kind and attentive, she answered all my questions and helped us, and guided us through the process of buying our first home. We feel blessed to had her as our Loan Officer. She is awesome!!
Reply from Kristy Grams
July 7th, 2024 09:05 PM
Thank you so much, Angela, for the glowing review. I’m overjoyed to hear that I was able to make your first home-buying process a smooth one. Your words mean a lot to me, and I'm thrilled to have been able to guide you through this milestone...
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Great communication and service!
Reply from Kristy Grams
June 29th, 2024 10:30 PM
I'm delighted to hear that you had a positive experience with your mortgage process, Cameron. It's always a pleasure to provide great service and clear communication to valued clients like you. We at Presidential Bank Mortgage strive for such...
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I’m very grateful to work with you
Reply from Kristy Grams
June 26th, 2024 03:44 PM
I'm thrilled to hear that you had such a positive experience working with me, Soe! Customer satisfaction is always my number one priority at Presidential Bank Mortgage. Your 5-star rating means a lot. I am grateful for the opportunity to work...
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I have a lot of satisfaction working with you
Reply from Kristy Grams
June 26th, 2024 02:53 PM
I'm so pleased to hear that you had a satisfying experience working with me at Presidential Bank Mortgage, Myat. Your satisfaction is my top priority. Your positive feedback and the 5-star rating mean a lot to me. Don't hesitate to reach out...
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Mrs. Grams is Awesome! She made our experience as a first-time buyer easier. she is always available to answer any questions, works overtime and committed to get our loan approved for less than 15 days. Kristy is very professional with a great...
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Reply from Kristy Grams
June 18th, 2024 09:58 PM
Audry and Amber, I am truly touched by your kind words and had a wonderful experience working with you too. As a loan officer, I always strive to make the mortgage process as seamless as possible, especially for first-time buyers. It was a...
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It was wonderful service working with Kristy. I am so glad that I was her client in need of help with this project and Kristy is the best person that I have ever met for this project so I am so grateful for your help and support now we close...
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Reply from Kristy Grams
June 16th, 2024 02:10 AM
Hi Van, I truly appreciate your kind words and the time you took to share your experience. I'm thrilled to hear that you were satisfied with the service I provided. It was a pleasure assisting you with your project and I'm here to support you...
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My wife and I had not bought or sold a house in almost 30 years. We had forgotten how stressful the entire process can be. Kristy was a great help, answered all of our questions, and walked us through every step of the process !
Reply from Kristy Grams
June 13th, 2024 02:19 PM
I'm thrilled to hear that you had a positive experience with your recent mortgage process, David. It's certainly my goal to make this process as stress-free as possible, especially for those who haven't been through it in a while. I'm glad...
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Kristy made the extra effort to answer all of our questions and concerns which made the process super easy. She provided excellent service!
Reply from Kristy Grams
June 10th, 2024 01:31 PM
I'm thrilled to hear that you found our process easy and that I was able to provide excellent service. Ensuring your questions and concerns are answered is a top priority for me, so it's gratifying to know my efforts were appreciated. Thank...
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nanananana
Reply from Kristy Grams
June 4th, 2024 12:57 PM
I'm thrilled to hear that you had a positive experience with me at Presidential Bank Mortgage, Paolen. Your 5-star rating means a lot to me. I appreciate your feedback, even if it is as unique as "nanananana". Looking forward to assisting you...
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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.