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 made this experience as easy as possible.
Reply from Kristy Grams
July 10th, 2026 06:47 PM
Thank you, Tonya, for your kind words. I'm happy to hear that I could make the process easy for you. If you need any further assistance or have questions in the future, don't hesitate to reach out.
Kristy was very responsive and helpful guiding us through the mortgage process. Overall a great experience with excellent customer service.
Reply from Kristy Grams
July 10th, 2026 04:23 PM
Michael, I'm pleased to hear that you had a great experience with my guidance throughout the mortgage process. Your kind words about the customer service mean a lot to me. If you have any further questions or need assistance in the future,...
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She is patience and great lender.
Reply from Kristy Grams
July 10th, 2026 04:17 PM
Lian, thank you for your kind words. I'm pleased to hear that you found my patience and lending services helpful. If there's anything else I can assist you with, please let me know.
All is great 👍
Reply from Kristy Grams
July 4th, 2026 07:44 PM
I'm pleased to hear that everything went great, Peter! Your satisfaction means a lot to me. If there's anything else I can do for you, please feel free to reach out.
Kristy was very helpful in all aspects of going through the process of buying a home. There were plenty of times as a first time home buyer that I asked Kristy the same question in 10 different forms and not once did she make me feel silly...
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Reply from Owner
July 3rd, 2026 09:28 PM
Thank you so much for your kind words, Jonice. I'm really pleased to know that I could be of help and support during your home-buying journey. It's important to me that my clients feel comfortable asking questions, so I'm glad you felt at ease....
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Kristy was always beyond helpful, she answered every question I had even if I asked the same question in a different way 10 times over. As a first time home buyer she couldn't have been anymore helpful. She was always prompt, kind, and informative...
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Reply from Kristy Grams
June 30th, 2026 03:21 PM
Thank you so much for your wonderful feedback, Jonice. I'm pleased to know that I could be of such help to you during your first home buying journey. Your recommendation means a lot to me, and I'm grateful for your trust in both me and Presidential...
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Kristy Grams has received a review with 5 star rating from Nini I
Reply from Owner
June 30th, 2026 03:20 PM
Thank you, Nini, for the perfect rating. I'm grateful for your support and pleased to know you had a positive experience.
Kristy was wonderful to work with and she is really flexible about time and communication
Reply from Kristy Grams
June 23rd, 2026 05:11 PM
Thank you, Van, for your feedback. I'm pleased to hear that my flexibility with time and communication was helpful for you. It was a pleasure working with you, and I'm here if you need any further assistance in the future.
Kristy is an amazing loan officer. She’s patient, knowledgeable, and truly committed to helping her clients succeed. She makes the entire process feel smooth and stress‑free.
Reply from Kristy Grams
June 16th, 2026 09:31 PM
Thank you, James, for your kind feedback. I'm pleased to know that my patience and commitment contributed to a smooth and stress-free process for you and your clients. It's important to me that my clients feel supported every step of the way....
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The experience was great! As first time home buyer, there was a lot that we did not know. Kristy guided and supported us throughout the whole process. She was available at any time for our questions. She was amazing and understanding!
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Reply from Kristy Grams
June 16th, 2026 04:57 PM
Thank you, Van, for sharing your experience. I'm pleased to hear that I could guide and support you as a first-time homebuyer. It's important to me that you felt understood and had your questions answered. If there's anything more I can assist...
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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.