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 was very quick to respond to any questions or inquiries I had. Always provided a great amount of information and was able to break things down to make the whole process very easy to understand.
Reply from Kristy Grams
March 5th, 2024 02:17 PM
I am absolutely thrilled to hear that you had a positive experience with me at Presidential Bank Mortgage, Christopher. It's always my priority to provide quick responses and thorough explanations to make the process as smooth as possible for...
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She is very professional, helpful and resourceful. She is available almost every time you reach out. She answered all our questions and made our experience stress free and seamless. She is exceptional.
Reply from Kristy Grams
February 21st, 2024 11:39 PM
Thank you so much for your wonderful review, Rita. I'm thrilled to hear that you found my services professional, helpful, and resourceful. My goal is always to provide a seamless and stress-free experience for my clients, and I'm glad that...
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I don’t know how but Kristy made the impossible, POSSIBLE!Along with the help of our real estate agent Gabby, Kristy helped me become a homeowner at the age of 28!Kristy is reliable, knowledgeable, trustworthy, and truly an expert. I would...
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Reply from Kristy Grams
April 2nd, 2024 08:32 PM
Thanks Vanesa it was a pleasure working with you!
I felt like buying a house was going to be impossible; however, Kristy worked harder than Kris Jenner to make it happen! Thank you Kristy for making my dream come true of becoming a homeowner! We’ll talk soon to refinance once rates keep going...
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Reply from Kristy Grams
February 13th, 2024 12:48 AM
I'm sincerely overjoyed to hear about your positive experience, Vanesa! Working with you was an absolute pleasure and I'm thrilled that I could assist in making your dream of homeownership a reality. Your comparison made me laugh, I'm just...
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Kristy was responsive, informative, and professional.
Reply from Kristy Grams
February 12th, 2024 05:57 PM
I am sincerely grateful for your kind words and 5-star rating, Alexander. It was a pleasure to assist you and I am glad that I could provide you with informative and professional service. I strive to be responsive to all my clients' needs,...
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Timely and responsive communication. Competitive loan options and interest rates.
Reply from Kristy Grams
February 12th, 2024 05:57 PM
I greatly appreciate your kind words, Allison. It was my pleasure to offer you timely and responsive communication as well as competitive loan options and interest rates. At Presidential Bank Mortgage, we always strive to provide the best possible...
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I don’t know how but Kristy made the impossible, POSSIBLE!Along with the help of our real estate agent Gabby, Kristy helped me become a homeowner at the age of 28!Kristy is reliable, knowledgeable, trustworthy, and truly an expert. I would...
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Reply from Owner
April 2nd, 2024 12:00 AM
Thanks Vanesa it was a pleasure working with you!
Kristy was very helpful
Reply from Kristy Grams
February 9th, 2024 02:38 PM
I'm truly pleased to hear that you found my services helpful, Douglas. Your satisfaction is my topmost priority. I'm glad I could assist you and earn a 5-star rating from you. I strive to provide the best to my clients at Presidential Bank...
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Kristy was super informative and immediately responsive. Couldn’t have asked for a smoother experience!
Reply from Kristy Grams
February 9th, 2024 02:37 PM
Thank you so much for your positive feedback, Bradley. I'm delighted to hear that you found the process smooth and informative. I always strive to provide quick and effective responses to all queries. Your satisfaction is my top priority at...
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Kristy was extremely helpful from start to finish making my loan process feel much less stressful.
Reply from Kristy Grams
February 1st, 2024 10:15 PM
Thank you so much, Patricia, for your glowing review and the full 5-star rating! It was a pleasure helping you throughout your loan process. I'm thrilled to know that you found my assistance helpful and that I could make the whole process less...
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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.