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 always available for questions, I just texted her and got response right away, no matter what time it was!!!
Thank you!!
Reply from Kristy Grams
January 16th, 2024 02:24 PM
I'm absolutely delighted to hear how satisfied you are with the service provided. Ensuring I'm readily available for my clients is a top priority for me, so it's fantastic to hear this was beneficial for you. Your positive feedback has made...
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Communication
Reply from Kristy Grams
January 2nd, 2024 04:09 PM
I'm thrilled to hear that you had a positive experience with our communication at Presidential Bank Mortgage, Mark! Your satisfaction is my top priority and your feedback is greatly appreciated. Thank you for the perfect rating and for choosing...
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Loan process made it easy.
Reply from Kristy Grams
January 2nd, 2024 04:10 PM
Thank you for your positive feedback, Anil. I'm glad to hear that you found the loan process at Presidential Bank Mortgage to be easy. It's my goal to make each step as straightforward and stress-free as possible for every client. Your review...
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Kristy was always right on top of everything and gave us fabulous advice and referrals. She was a pleasure to deal with!
Reply from Kristy Grams
January 2nd, 2024 04:10 PM
I am truly grateful for your positive feedback, Joy. I am thrilled to hear that you had a great experience with me at Presidential Bank Mortgage. My goal is always to provide the best service and advice to our valued clients. Your satisfaction...
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She was very helpful and explained everything very clearly. Excellent service!
Reply from Kristy Grams
January 2nd, 2024 04:11 PM
Thank you, Militza, for taking the time to share your positive experience with Presidential Bank Mortgage. Your wonderful feedback is greatly appreciated. It was a pleasure to help you, and I am thrilled to hear that my service met your expectations....
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No comment
Reply from Kristy Grams
January 2nd, 2024 04:11 PM
Thank you, Swizen, for taking the time to rate my services. I'm delighted to hear that you had a positive experience with Presidential Bank Mortgage. Even though you didn't leave a comment, your high rating speaks volumes. Please don't hesitate...
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Kristy was very helpful and we were able to contact her on the weekends or at any time. She clarified all our questions until she made sure we understood what was happening.
Reply from Kristy Grams
January 2nd, 2024 04:03 PM
Thank you so much for your kind words, Allison. I'm delighted to hear that you had a positive experience. At Presidential Bank Mortgage, we always strive to provide our clients with the best service at any time and I'm glad I was able to assist...
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Very very responsive I highly recommend using Kristy she went above and beyond whether it was late at night questions or early morning she was on it! I look forward to using Kristy in the future on different properties as well of recommending...
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Reply from Kristy Grams
January 2nd, 2024 04:03 PM
I'm absolutely thrilled to hear about your positive experience, Trevor! Your kind words mean a lot to me. I always strive to be there for my clients, no matter the time of day, to ensure a smooth and seamless process. It's great to hear that...
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Kristy has been helping myself and my family with loans for years now. Her communication is unmatched, her diligences and knowledge in her field again UNMATCHED. If anybody were to ask for a loan officer Kristy will be passed along every time....
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Reply from Kristy Grams
January 2nd, 2024 04:04 PM
Thank you so much for your kind words, Tanner. I truly appreciate your trust in me and Presidential Bank Mortgage over the years. I am thrilled to hear that you find my communication and diligence effective and helpful. Your satisfaction is...
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Kristy's expertise, understanding and responsiveness made the entire mortgage process easy insuring a smooth transaction for my clients and me. I highly recommend Kristy for anyone seeking a reliable and knowledgeable mortgage partner in their...
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Reply from Kristy Grams
January 2nd, 2024 04:04 PM
Thank you so much, Sarah, for your positive review and high rating. I'm thrilled to hear that you found the mortgage process easy and smooth with my assistance. My goal is always to make the journey as stress-free as possible for my clients....
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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.