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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Kristy Grams has received a review with 5 star rating from Tyler W
Reply from Owner
July 24th, 2026 06:44 PM
Thank you, Tyler, for your perfect rating. I’m pleased to know that you had a positive experience with Presidential Bank Mortgage.
Kristy was always availible to guide us through each and every obstacle that comes with buying a home. Her understanding, knowledge and compassion made our home buying experience great!!! We couldnt have done it without her!! Thanks Kristy!!!...
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Reply from Kristy Grams
July 24th, 2026 06:44 PM
Tyler, I truly appreciate your kind words. I'm glad that my guidance and support made a positive impact on your home-buying journey. It was a pleasure assisting you, and I'm thankful for the opportunity to be part of your experience. If you...
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Kristy did an outstanding job! She truly made us feel like we were her top priority throughout the entire process. She always answered our questions promptly, no matter how many we had, and took the time to give us helpful advice that better...
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Reply from Owner
July 24th, 2026 06:44 PM
Paul, I'm truly grateful for your kind and thoughtful review. I'm pleased to know that my dedication and support made your process smoother and more comfortable. It has been a pleasure assisting you and your family, and I look forward to the...
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Kristy did an outstanding job! She truly made us feel like we were her top priority throughout the entire process. She always answered our questions promptly, no matter how many we had, and took the time to give us helpful advice that better...
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Reply from Kristy Grams
July 16th, 2026 01:27 AM
Thank you so much for these incredibly kind words! Working with your family for the second time was an absolute pleasure. I always want my clients to feel supported and informed, so I am thrilled to hear that the late-night texts and extra...
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Kristy Grams has received a review with 5 star rating from Sherry B
Reply from Owner
July 16th, 2026 01:28 AM
Thank you, Sherry, for the great rating! I'm pleased to know you had a positive experience with Presidential Bank Mortgage. If you ever need assistance or have any questions, please don't hesitate to reach out.
our family is grateful for the support and dedication we received during our home buying journey! Christy is an amazing person, who definitely shows compassion and commitment for her clients .
Reply from Kristy Grams
July 14th, 2026 01:48 PM
Thank you, Sherry, for sharing your experience. I'm pleased to know that my support and dedication made a difference in your home buying journey. Your kind words mean a lot to me, and I'm grateful for the opportunity to have assisted your family....
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Easy process, everything was explained.
Reply from Kristy Grams
July 14th, 2026 01:48 PM
I'm pleased to hear that the process was easy and everything was clearly explained, Nathan. Ensuring a smooth experience is important to me. If you have any questions or need further assistance, please don't hesitate to reach out.
Kristy and her team were amazing to work with. There were challenges that came up throughout the process and she always found a solution and because of that, a family is in their first home today.
Reply from Owner
July 28th, 2026 09:03 PM
Bill, thank you for sharing your experience. I'm pleased that we were able to navigate the challenges together and find solutions that led to a successful outcome. Helping families move into their first home is incredibly rewarding, and I'm...
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Kristy and her team were amazing to work with. There were challenges that came up throughout the process and she always found a solution and becasue of that, a family is in their forst home today.
Reply from Kristy Grams
July 14th, 2026 01:48 PM
Bill, thank you for your wonderful feedback. I'm pleased that my team and I could help navigate the challenges and find solutions that led to a successful outcome. It's truly rewarding to know that a family is now in their first home. If you...
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Kristy was Phenomenal to work with she really knows what shes doing made home buying a very pleas process. everything I was worried about Kristy made me feel very confident I was fine. Shes absolutely the best in the business very. For my next...
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Reply from Kristy Grams
July 14th, 2026 02:02 AM
Thank you so much for your kind words, Charles. I'm pleased to know that I could make your home buying experience smooth and reassuring. It's wonderful to hear that you felt confident throughout the process. I look 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.