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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Excellent communication. Very friendly and helpful throughout the process. Thank you !
Reply from Kristy Grams
February 2nd, 2024 11:14 PM
I'm thrilled to hear that you had a positive experience with Presidential Bank Mortgage, Militza! Your kind words mean a lot. I always strive to provide top-notch service and it's rewarding to know it's appreciated. Looking forward to assisting...
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Great service throughout the process
Reply from Kristy Grams
February 2nd, 2024 11:15 PM
Thank you so much for the stellar rating, Bismin! I'm thrilled to hear that you had a positive experience with our services at Presidential Bank Mortgage. It's my top priority to ensure a smooth process for all our clients. Don't hesitate to...
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She was supportive throughout the process
Reply from Kristy Grams
February 2nd, 2024 11:15 PM
I'm so glad to hear that you felt supported throughout the process, Ashna. At Presidential Bank Mortgage, we aim to provide the highest level of service to ensure a smooth and seamless experience for our customers. Your positive feedback fills...
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Kristy did a great job!
Reply from Kristy Grams
February 2nd, 2024 11:19 PM
I'm incredibly grateful for your feedback, Alex! It's great to know that you're satisfied with the service provided. Your 5-star rating means a lot to me and the whole team at Presidential Bank Mortgage. It was truly a pleasure helping you....
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Kristy is great to work with. She is very knowledgeable and get the loan done fast. Kristy takes her time with the clients and explains every step to the borrowers. I would definitely recommend to Kristy to my friends and family.
Reply from Kristy Grams
February 12th, 2024 05:52 PM
Thank you so much for your positive feedback, Dennis! I'm thrilled to hear that you found my services efficient and informative. It's always my goal to ensure that the loan process is as smooth and understandable as possible for my clients....
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She worked every hard to help us get our dream home
Reply from Kristy Grams
February 13th, 2024 12:46 AM
I'm thrilled to hear such positive feedback, Alexandra! It was a pleasure working with you to achieve your dream of homeownership. Your kind words mean a lot to me. At Presidential Bank Mortgage, we always strive to provide the best service...
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Kristy goes above and beyond for all her clients. She is the best lender ever!!
Reply from Kristy Grams
February 12th, 2024 05:52 PM
I am truly grateful for your kind words, Lisa. It was my pleasure to assist you and I always strive to provide the best service to my clients. Your feedback reaffirms the hard work we put in every day at Presidential Bank Mortgage. Thank you...
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Thank you for your help.
Reply from Kristy Grams
February 12th, 2024 05:53 PM
I'm delighted to hear that you've had a positive experience, Mansi. Your satisfaction is of utmost importance to me and the entire team at Presidential Bank Mortgage. We're always ready to assist with any further needs you may have. Thank you...
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She is so helpful and make me understand so nicely and whenever i ask anything anytime she reply and she is so professional about her work.
Reply from Kristy Grams
February 12th, 2024 05:53 PM
Thank you so much for the kind words, Nishitkumar! I'm delighted to hear that you had such a positive experience. It was a pleasure assisting you. I strive to be available and clear in my communication, so I'm glad to hear that was reflected...
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Kristin is always helpful and is practices patience with our questions,
Reply from Kristy Grams
February 13th, 2024 12:45 AM
I'm incredibly grateful for your kind words, Michael. Ensuring that your questions are answered and that you feel at ease during each step of the process is my top priority. Your feedback is much appreciated, and it was a pleasure working with...
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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.