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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GREAT EXPERIENCE!Kristy is very approachable.
Reply from Kristy Grams
April 15th, 2024 01:37 PM
I'm overwhelmed by your positive feedback, Lincy! Thank you for your kind words and for awarding me a 5-star rating. I'm glad to hear that you had a great experience with Presidential Bank Mortgage. It was my pleasure to be approachable and...
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Mrs. Grams is an excellent loan officer. She made sure I received the loan product that fit my needs. I would recommend her to anyone!
Reply from Kristy Grams
April 8th, 2024 04:32 PM
I'm genuinely heartened to hear your positive feedback, Sunday. It was my pleasure to assist you in finding a loan product that suited your needs. Your satisfaction is of utmost importance to me and Presidential Bank Mortgage. I am always here...
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She's amazing and great service
Reply from Kristy Grams
April 5th, 2024 04:30 PM
I'm thrilled to hear that you had such a positive experience with my service, Maung. Here at Presidential Bank Mortgage, we strive to provide top-notch assistance to all our clients. Your feedback is highly appreciated and will inspire me to...
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Excellent work!!
Reply from Kristy Grams
April 5th, 2024 04:29 PM
I'm thrilled to hear that you're pleased with the service you received, Thau! Your excellent review means a lot to me. At Presidential Bank Mortgage, we strive to provide the best service possible to our clients. Your feedback is invaluable...
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Kristy was so easy to work with! She was great at explaining things to me in a way I could understand, every step of the way. She also eased my stress throughout the entire process with constant communication. She was always there to answer...
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Reply from Kristy Grams
April 2nd, 2024 01:14 PM
Lauren, your feedback has made my day! I'm delighted to hear that you felt comfortable and well-informed throughout the entire process. Your satisfaction is my top priority, so I'm glad to know my efforts in keeping open and timely communication...
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Very quick to respond to any and all questions
Reply from Kristy Grams
March 30th, 2024 02:51 PM
I'm deeply touched by your glowing review, Haley. It's fulfilling to know that my commitment to timely responses met your needs. I strive to provide the best service possible at Presidential Bank Mortgage, and feedback like yours makes it all...
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Kristy was so helpful and knowledgeable during my whole process. She explained in detail every step of my first time home buying experience. She was patient, kind, and hardworking. I feel very confident in my decision to work for Kristy and...
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Reply from Kristy Grams
March 25th, 2024 03:16 PM
Thank you so much for your kind words, Sade. I'm thrilled that you had such a positive experience during your first time home buying process. It was truly a pleasure working with you and I'm glad I could provide the detailed explanations and...
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Kristy is a true professional. Her knowledge and experience is like no other! You can call or email her with a question anytime and she will respond quickly and accurately. I highly recommend her to all my clients.
Reply from Kristy Grams
March 25th, 2024 02:05 PM
I'm truly humbled by your kind words, Adele. Providing the best possible service to clients like you is always my topmost priority. Your high recommendation of our services at Presidential Bank Mortgage means a lot to me. I'm always here for...
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Kristy and Ashley worked diligently through a number of obstacles to get our refi done. Many thanks to both for their solid professionalism.
Reply from Kristy Grams
March 14th, 2024 06:44 PM
I appreciate your kind words and positive feedback, James. It was truly a pleasure to work with you on your refinancing. Ashley and I always strive to overcome any challenges in order to provide the best possible service to our clients. Thank...
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Kristy goes above and beyond and she is always there when I had questions and kept me in the loop on the loan status the whole way. Kristy is the Best!!
Reply from Kristy Grams
March 12th, 2024 04:40 PM
Thank you so much for your kind words, Lisa. I'm thrilled to hear that you had a positive experience with Presidential Bank Mortgage. It was my pleasure to assist you throughout the loan process. Your feedback is greatly appreciated and I'm...
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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.