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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Everything went very smoothly
Reply from Kristy Grams
March 30th, 2024 01:58 AM
I'm thrilled to hear that your experience went smoothly, Daniel. It was truly a pleasure assisting you. At Presidential Bank Mortgage, we always strive to provide the highest quality service and I'm glad we were able to meet your expectations....
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Kristy is super-responsive and always finds a way to make things happen.
Reply from Kristy Grams
March 30th, 2024 01:57 AM
Thank you so much for your kind words, Dennis. I'm thrilled to hear that you were satisfied with my services at Presidential Bank Mortgage. Your satisfaction is my top priority and I always strive to be responsive and flexible to meet the unique...
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Kristy made my first homebuying experience so simple. She was available so quickly and walked me through everything without any problem. Even with the issues I had with my funds coming from Mutual of America, Kristy was confident there would...
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Reply from Kristy Grams
March 30th, 2024 01:57 AM
I'm absolutely thrilled to hear that your first homebuying experience went smoothly, Regina. It was a pleasure to guide you through the process and ensure everything was clear and straightforward. I'm glad I could provide reassurance during...
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Kristy answers her phone after 5 and she goes above and beyond.
Reply from Kristy Grams
August 20th, 2025 05:47 PM
Thank you for your review, Lisa. I'm glad to know that my availability and dedication made a difference for you. It's important to me to be there for my clients whenever they need assistance. If there's anything else I can do or if you have...
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Kristy and her team just refinanced us. It was hard for us to decide, and Kristy helped us with which route to go! She layed out all the options on the table for us and explained thoroughly. With the cost of everything in todays world, us refinancing...
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This lender completely ghosted me when I followed up with questions regarding a loan.
She gave me input on qualifying me for a loan then when I had more questions completely ignored my phone call / voicemail and text.
Reply from Kristy Grams
September 30th, 2022 02:35 PM
Hi Kelly , I am not sure when you reached out to me but I apologize if I missed you. I assure you it was not intentional. I did check my system and I do not see a file on you but I would be happy to help you!
This lender completely ghosted me when I followed up with questions regarding a loan.She gave me input on qualifying me for a loan then when I had more questions completely ignored my phone call / voicemail and text.
Reply from Owner
September 30th, 2022 12:00 AM
Hi Kelly , I am not sure when you reached out to me but I apologize if I missed you. I assure you it was not intentional. I did check my system and I do not see a file on you but I would be happy to help you!
Kristy is the best loan officer ever! She did all the work and made our refinance process super easy and WOW can i say quick as ever! She was very easy to get in touch with and explained/answered any questions we had. She also went over all...
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Reply from Owner
January 30th, 2026 12:00 AM
Thank you so much for the 5-star review! We are thrilled that we could help you take advantage of the current market to refinance your home. Our goal is always to make the process as seamless as possible, and we’re glad we hit the mark for...
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As a first time home buyer Kristy helped me through the entire process and was always available and quickly responded with any questions I had. Will not go anywhere else for future home loans. Couldn’t be more pleased and recommend her to everyone...
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Kristy was efficient, fully knowledgeable and stated clearly on everything needed to complete our refinance.
It was seamless transaction in which Kristy provided all of our options and helped us reach the best outcome.
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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.