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 recommended to me by my daughter-in-law. Kristy took care of everything efficiently and thoroughly. Applying for a mortgage has never been easier! Thank you, Kristy ❤️
Reply from Kristy Grams
January 2nd, 2024 04:05 PM
I'm so thrilled to hear about your positive experience, Joyce! It was truly my pleasure to assist you with your mortgage application. I do my best to ensure the process is as smooth and stress-free as possible for my clients. Your kind words...
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Kristy was very friendly, approachable and helpful.
Reply from Kristy Grams
January 2nd, 2024 04:05 PM
I'm thrilled to hear about your positive experience, Lincy! It was a pleasure working with you and I'm so glad I could assist in making your experience with Presidential Bank Mortgage a great one. Your feedback is greatly appreciated. Thank...
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Kristy was friendly, kind, and approachable throughout the loan application process. I felt that she was looking out for our interests, and she suggested a loan that fit our budget and situation. Thank you!
Reply from Kristy Grams
January 2nd, 2024 04:06 PM
I genuinely appreciate your kind words and perfect rating, Brent. Your trust and confidence in my services mean the world to me. I'm thrilled to hear that the loan application process went smoothly for you and that the loan I suggested was...
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Kristy was extremely helpful. Made buying a house very easy.
Reply from Kristy Grams
January 2nd, 2024 04:07 PM
I'm thrilled to hear that you found our home buying process easy, Matthew! It was my pleasure to assist you in making this significant step. Your positive feedback truly made my day. I'm always here at Presidential Bank Mortgage if you need...
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Five stars all around.
Reply from Kristy Grams
January 2nd, 2024 04:07 PM
I'm absolutely thrilled that you had a positive experience with Presidential Bank Mortgage! Your satisfaction is my highest priority and it's wonderful to know that I could live up to your expectations. Your five-star review truly brightens...
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Kristy has went above and beyond to provide outstanding service to us. Her advice, and support and efforts have made it an easy process. We really appreciate her. She really exceeds expectations and does the most for her clients. We can’t thank...
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Reply from Kristy Grams
November 3rd, 2023 10:19 PM
Thank you and Congratulations on your new home!
Kristy is amazing. Her knowledge is above and beyond. I have never met a lender who is more qualified and compassionate. I will recommend her to everyone.
Reply from Kristy Grams
February 2nd, 2024 11:00 PM
Thank you so much for your kind words, Leonoria. I'm truly overjoyed to hear that you had such a positive experience with me at Presidential Bank Mortgage. Your recommendation means the world to me. Remember, I'm always here to assist you with...
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I felt lucky to have Kristy on my side as a lender, especially in today's market. I felt like she had my best interest at heart from day one and like I was really supported. Thank you Kristy!!
Reply from Kristy Grams
February 2nd, 2024 11:04 PM
I'm thrilled to hear such positive feedback, Sujely! It was truly a pleasure working with you. At Presidential Bank Mortgage, we always strive to ensure our customers feel supported and well-served. Your satisfaction is my priority, and I'm...
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Good morning Kristy (God’s Angel)….Thank You for Guiding Me and my Sons Home….Thank You for never leaving me in the dark for the goblins to devour!!! Thank You for the Education and Ensuring full comprehension without a shadow of doubt. Thank...
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Reply from Kristy Grams
February 2nd, 2024 11:02 PM
Dear Leornia, Your heartfelt words have genuinely touched me. I'm so blessed and honored to have been a part of your journey towards homeownership. It's clients like you, whose dreams and aspirations fuel my passion to continue this work.I...
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Kristy is a true professional whose excellence shines brightly behind decades of experience. Her strong and prompt communication meant I never had to worry about where things stood. She is the clear choice for anyone looking to buy a home....
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Reply from Kristy Grams
January 2nd, 2024 04:08 PM
I'm truly touched by your kind words, Kyon. It was a pleasure working with you on your home purchase. Your vote of confidence in the services I provide at Presidential Bank Mortgage is appreciated more than you know. Ensuring a smooth and efficient...
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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.