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 so helpful. She was on top of everything. Very efficient and thorough and most of all, put my wife’s worries at ease. She was great to work with and I would recommend her to anyone.
Reply from Kristy Grams
February 21st, 2024 11:38 PM
I'm deeply moved by your kind words, Brandon. I'm glad I was able to help make the process easier for you and your wife. It's always my goal to provide efficient, thorough service while keeping clients comfortable and well-informed. Your recommendation...
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Promt services!
Reply from Kristy Grams
February 13th, 2024 12:46 AM
I'm thrilled to hear that you were satisfied with the promptness of our services, Ro! Your positive feedback means a lot. Here at Presidential Bank Mortgage, we always strive to provide efficient and exceptional service to our clients. Thank...
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Kristy is amazing to work with her! She did excellent job.
Reply from Kristy Grams
February 13th, 2024 12:47 AM
Thank you so much for your kind words, Thawng. I'm thrilled to hear that you had a positive experience working with me at Presidential Bank Mortgage. Your satisfaction is my priority and I'm delighted to have delivered an excellent service....
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I have been working with Kristy for 3+ years. She is an excellent lender who knows what she is doing. She is very knowledgeable, reliable, and trustworthy. I would recommend her business for everyone looking for mortgage loans.
Reply from Kristy Grams
February 13th, 2024 12:47 AM
Thank you so much for your kind words, Van. I truly appreciate your trust in me at Presidential Bank Mortgage over the past 3+ years. It's been a pleasure working with you, and I'm so grateful for your high rating and recommendation. I always...
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Kristy was very responsive and made this a smooth process
Reply from Kristy Grams
February 21st, 2024 11:39 PM
I'm truly humbled by your positive review, Shintu. It was my pleasure to assist you in your loan process for your purchase. I'm thrilled to hear that I was able to make the process smooth for you. At Presidential Bank Mortgage, we always strive...
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She is amazing and the best. Her customers service and professionalism is top notch. Very helpful. Always available no matter what time it is and answers our questions. She is very good at what she does. She is the best!
Reply from Kristy Grams
March 30th, 2024 01:56 AM
Thank you so much for your kind words, Rita. I'm thrilled to know you had such a positive experience with our services at Presidential Bank Mortgage. Being always available and providing top-notch customer service is what I strive for. I'm...
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great communication and follow-thru!
Reply from Kristy Grams
March 30th, 2024 01:56 AM
I'm thrilled to hear that you had a positive experience with Presidential Bank Mortgage, Steven! Great communication and diligent follow-through are values I strive to uphold, and I'm glad they made a difference for you. Thank you for your...
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Thank you Kristy for your kindness and professionalism while working with me through the loan process for our grandson. Your patience with me is greatly appreciated.
Reply from Kristy Grams
March 30th, 2024 01:56 AM
I'm deeply touched by your kind words, Ronald. It was my pleasure to assist you with the loan process for your grandson. Your appreciation means a lot to me and it reinforces my commitment to providing the best service to our clients. Don't...
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It was a pleasure to work with her. If it wasn’t for her, this day would of come for our family, I am very thankful to her for being patient with us and letting us know what we need to be summited.
Reply from Kristy Grams
March 30th, 2024 01:57 AM
Thank you so much for your kind words, Joseph. I'm thrilled to hear that you had a positive experience with Presidential Bank Mortgage. It was a privilege to assist you and your family during this process. Your patience and diligence made my...
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This is not my 1st time buying a house. But this is my 1st time experiencing a all around professional. Kristy's very knowledgeable Responsive Pleasant And a joy to work with.... Thank You Kristy
Reply from Kristy Grams
March 30th, 2024 01:58 AM
I'm so glad to hear that you had a positive experience, Dante! It was truly a pleasure assisting you with your home purchase. I strive to provide the best service for my clients, and I'm delighted to know that I met your expectations. It's...
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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.