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 did amazing Thank you for being so wonderful and gracious to me during the entire process! Thank you from the bottom of my heart for all of your help to get the loan and for assisting me with all of the papers. It has been a pleasure...
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Reply from Kristy Grams
February 2nd, 2024 11:05 PM
I'm absolutely thrilled to hear your positive feedback, Amber! It was such a pleasure to assist you throughout the loan process at Presidential Bank Mortgage. Your kind words mean a lot and only reaffirm my commitment to provide the best service...
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We throughly enjoyed working with Kristy. She was first very pleasant, informative, patient, kind, knowledgeable, responded quickly to our requests. Kristy answered our questions and made her self available to us. We felt well taken care of...
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Reply from Kristy Grams
February 2nd, 2024 11:06 PM
I'm truly overjoyed to hear about your positive experience, Marjorie! It was indeed a pleasure working with you on your home buying journey. I strive to provide the best service to my clients and I'm glad that I was able to help you feel well...
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Kristy was so patient and consistent through the entire process. She’s efficient and dependable.
Reply from Kristy Grams
February 2nd, 2024 11:06 PM
Thank you so much for your kind words, Antoine. I'm glad to know that you found my service efficient and dependable. It was truly a pleasure working with you through the process. Your satisfaction is my top priority and it's wonderful to hear...
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Kristy Grams is Amazing!! She cares about her clients and she goes above and beyond for each client.
Reply from Kristy Grams
February 2nd, 2024 11:07 PM
Thank you so much, Lisa, for this lovely review and the perfect rating. As your mortgage advisor, my goal is always to provide exceptional service and to ensure the mortgage process is smooth and seamless for you. I'm glad to know that I have...
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Once again, thank you for the excellent service and for assisting in speeding up the closing process. Thank you
Reply from Kristy Grams
February 2nd, 2024 11:07 PM
I'm incredibly grateful for your kind words and 5-star rating, Bismin! Providing excellent service is always our goal at Presidential Bank Mortgage, and I'm thrilled to know that we were able to expedite the closing process for you. Your satisfaction...
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Kristy makes things easy and she take the time to explain the process.
Reply from Kristy Grams
February 2nd, 2024 11:19 PM
I'm thrilled to hear that you had a positive experience with me at Presidential Bank Mortgage, Dennis. It's my goal to make the process as easy as possible and ensure all your questions are answered. Your feedback and high rating are greatly...
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Extremely helpful and patient! Takes the time to explain and ensure understanding at every stage.
Reply from Kristy Grams
February 2nd, 2024 11:21 PM
I'm tremendously grateful for your kind words and 5-star rating, Ranald. It was a pleasure to assist you through each step of the process at Presidential Bank Mortgage, and ensuring your understanding was my top priority. Your feedback validates...
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Kristy was a great person to work with. Very insightful and knowledgeable about the market and the different ways we could work the numbers. The staff backing Kristy was amazing as well. They all made this a way better home better experience...
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Reply from Kristy Grams
February 2nd, 2024 11:22 PM
Thank you so much for your kind words, Chrystine. I'm thrilled to hear that you had a positive experience with our team at Presidential Bank Mortgage and found value in our expertise. It was a pleasure working with you and helping you navigate...
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Kristy was Awesome in every way !!
Reply from Kristy Grams
February 2nd, 2024 11:22 PM
I'm incredibly grateful for your positive feedback, Joyce! It was a pleasure to assist you throughout the process. I always strive to provide the best service to my clients at Presidential Bank Mortgage. Your 5-star review reaffirms that I...
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I came to Kristy in a situation where I thought all hope of purchasing a specific property was gone. I was deflated. In a time sensitive situation she hit the ground running. I could see and feel things moving along. I knew right away this...
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Reply from Kristy Grams
February 2nd, 2024 11:20 PM
Thank you so much for your kind words, Cameron. I truly appreciate you taking the time out to share your experience with us. I am thrilled to hear that my team and I were able to assist you, especially during a time-sensitive situation. It...
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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.