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 absolutely AMAZING to work with. She was always there for me when I had any questions and explained the entire process extremely clear and never over complicated anything. I will be recommending kristy to anyone and everyone I know....
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Reply from Kristy Grams
January 2nd, 2024 04:08 PM
Jacob, your kind words and fantastic review mean a lot to me! I'm thrilled to hear that you were happy with the service you received from myself and the team at Presidential Bank Mortgage. It was a pleasure being there for you throughout the...
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The service was accommodating to my schedule. Very informative throughout the entire process. Very helpful with the amount of information and added resources. Each person I communicated with was patient, understanding and engaging. Walked me...
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Reply from Kristy Grams
February 2nd, 2024 11:13 PM
Thank you for the glowing review, Toni. I'm thrilled to hear that you found our services at Presidential Bank Mortgage accommodating and informative. We make it a priority to ensure our customers understand every step of the process and feel...
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Kristy was very helpful. Her patience with communicating the process to me made the experience more enjoyable and productive. She took the time to explain the information given and provided the added resources I needed to make my own buying...
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Reply from Owner
April 22nd, 2024 12:00 AM
Thanks Toni ! It was a pleasure working with you . I wish you lots of happiness in your new home .
Excellent communication/ Informative /Supportive/Understanding/Kristy and her team went an extra mile in supporting, educating and assisting me in navigating the correct loan. I would say this was one of the best experiences I ever had. Thank...
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Reply from Kristy Grams
February 2nd, 2024 11:02 PM
I truly appreciate your kind words, Harrieta! It was absolutely my pleasure to assist you in finding the right loan. Your satisfaction is my highest priority, and it makes me really happy to know that you had such a positive experience at Presidential...
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I have worked with her multiple times.
She is always there if you have questions.
Makes the process easier and she is the best loan officer I have ever worked with.
Reply from Kristy Grams
February 2nd, 2024 11:03 PM
I'm incredibly grateful for your kind words and high rating, Benoy. It's always a pleasure to work with you and I take pride in providing the best service possible for all my clients. Your satisfaction is my top priority. I'm thrilled to hear...
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She is excetional and amazing. To be promoted.
Reply from Kristy Grams
February 2nd, 2024 11:02 PM
Thank you so much, Lang, for your kind words and for taking the time to leave such a wonderful review. I'm thrilled to hear that you had a positive experience with us at Presidential Bank Mortgage. Your endorsement for promotion is very flattering....
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She would have a quick response and well-explained if we have any doubts. I really appreciate her way of dealing with all, Thank you Kristy❤️
Kunhu and Jeseela
Reply from Kristy Grams
February 2nd, 2024 11:03 PM
I'm so glad to hear that you had a positive experience with our services. Your kind words truly mean a lot to me. I pride myself on providing quick and comprehensive responses to all inquiries, so I'm thrilled that you found this helpful. If...
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friendly, lovely, professionally, efficiently, and honestly😂💖
Reply from Kristy Grams
February 2nd, 2024 11:03 PM
Thank you so much for your kind words, Kai. I'm thrilled to hear you had such a positive experience with Presidential Bank Mortgage. Your satisfaction is my top priority and I'm glad I could assist you efficiently, honestly, and in a friendly...
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Kristy did EVERYTHING, answered all my questions and all! Made the process very easy and no stress at all!
Reply from Kristy Grams
February 2nd, 2024 11:04 PM
Thank you so much for your kind words, Joseph! I'm thrilled to hear that you found the process easy and stress-free. It's always my goal to ensure my clients have all their questions answered and feel confident with their mortgage decisions....
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Kristy is efficient, prompt and has great communication skills. Able, ready and willing to answer all questions. The most important qualities of a great loan officer!
Reply from Kristy Grams
February 2nd, 2024 11:05 PM
I'm truly grateful for your kind words, Tabitha. I'm thrilled to hear that you were pleased with my efficiency, promptness, and communication skills. Being able to answer all your questions and make the loan process easier for you is my top...
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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.