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! She went above and beyond to make sure we understood everything as we were first time home buyer’s. Making sure we were comfortable with ever process and step of the way. I couldn’t have asked for a better experience....
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Reply from Kristy Grams
February 2nd, 2024 11:20 PM
I'm truly touched by your kind words, Melissa! It was a pleasure to guide you through this process and ensure you felt comfortable every step of the way. Reading your review reminds me why I love what I do so much. I couldn't be happier knowing...
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Kristy was so patient, she was always available for questions day or night. She is understanding and easy to talk to. This process was all so new for us but she took the time to answer all of our questions and explained all details to the fullest....
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Reply from Kristy Grams
February 2nd, 2024 11:21 PM
Thank you so much, Lauren, for your wonderful review and for the perfect rating! I am extremely pleased to hear that you had a positive experience with Presidential Bank Mortgage. It's always my priority to ensure that our customers feel supported...
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She answered all my questions and made the process so easy to understand
Reply from Kristy Grams
February 2nd, 2024 11:23 PM
I'm absolutely delighted to hear your positive feedback, Brooke! It was my pleasure to assist you and make the process as easy as possible for you. I strive for this level of service with all my clients here at Presidential Bank Mortgage. If...
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God is good house good giving me
Reply from Kristy Grams
February 12th, 2024 05:53 PM
I'm incredibly grateful for your positive feedback and high rating, Va. It was a pleasure assisting you with your needs at Presidential Bank Mortgage. Remember, I'm here for any future assistance you may require. Thank you for taking the time...
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Kristy is very responsive and helped our Buyers through several let downs until they finally found the perfect fit for them.
Super happy we chose her to assist with this New Construction process!!
Reply from Kristy Grams
February 2nd, 2024 11:19 PM
Thank you for the glowing review, Michelle! I'm thrilled to hear that you were satisfied with our services at Presidential Bank Mortgage. It was my pleasure to assist your buyers through the ups and downs of the home-buying process and I'm...
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she was always there for us and was extremely knowledgeable. She’s the best!
Reply from Kristy Grams
February 2nd, 2024 11:13 PM
Thank you so much, Evan! I'm thrilled to hear that you had such a positive experience with us at Presidential Bank Mortgage. Customer satisfaction is my top priority, and your feedback reaffirms the hard work put in every day. I'm so glad I...
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Kristy was very quick in making everything work out.
Reply from Kristy Grams
February 2nd, 2024 11:15 PM
I'm delighted to hear that you were satisfied with the service provided, Steve. My main goal at Presidential Bank Mortgage is to ensure the mortgage process is quick and smooth for every client, so it's wonderful to know that I was successful...
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Kristy was very professional, kind, honest and helped us understand all the possibilities of buying a home in this market. She shared the various grants, loans, etc that we qualified for and encouraged us that it would happen at the right time....
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Reply from Kristy Grams
February 2nd, 2024 11:14 PM
Thank you so much, Ruth, for your kind words and high rating. It was a pleasure to assist you in understanding the home-buying process and the various options available to you. I'm thrilled to hear that your experience with me and Presidential...
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I not only use Kristy for my personal real estate deals but I am also a Realtor and Kristy has been my go-to lender for many years! Kristy always get the job done quickly and efficiently. She always offers sound advice when making big decisions....
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Reply from Kristy Grams
February 2nd, 2024 11:14 PM
Thank you so much, Kathyrn, for your glowing review! It's a pleasure to work with you, both for your personal real estate deals and as your go-to lender. I'm thrilled to have been able to get you to the closing table quickly on your most recent...
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Process was smooth and quick!
Reply from Kristy Grams
February 12th, 2024 05:51 PM
It brings me immense pleasure to know that you found our process at Presidential Bank Mortgage to be quick and smooth. Your positive feedback reinforces the dedication we put into our work. It was a pleasure to work with you, Gabby. Your 4.87...
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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.