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Kristy Grams - Senior Loan Officer | NMLS 302452 in Frederick, MD
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Kristy Grams

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Senior Loan Officer | NMLS 302452

Presidential Bank Mortgage | Frederick MD
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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
Mortgage
Mortgage Loan Officer
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Contact Info
(301) 676-5352
Frederick, MD
https://pbm-loans.com/kristy.grams
https://myloan.pbm-loans.com/dr/c/f8xbt
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Reviews from Web
  • Zillow
    K
    Kbollnow65
    Homer Glen, IL
    Posted on March 6th, 2020 12:00 AM
    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.
  • Zillow
    H
    Hoddies2323
    Hagerstown, MD
    Posted on February 27th, 2020 12:00 AM
    Kristy Grams was the best all around very helpful, friendly, knowledgeable. She made sure everything was on schedule so we could close on time and was always available if needed. I would highly recommend her as your lender.
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    P
    Pvrdolyak
    Flossmoor, IL
    Posted on February 26th, 2020 12:00 AM
    Kristy was the ultimate professional. I will never go elsewhere for a mortgage or refinance and will recommend Kristy to friends, family, and clients.
  • Zillow
    M
    Matthew
    Frederick, MD
    Posted on February 26th, 2020 12:00 AM
    I have financed and refinanced with Kristy. She makes the process quick, easy and painless! I was referred to her by a friend and was not disappointed!!
  • Zillow
    A
    Adamrsaylor
    Mount Airy, MD
    Posted on August 29th, 2019 12:00 AM
    Kristy is amazing! I was a first time home buyer and she made the entire loan process a breeze. Highly recommended and will definitely use her again!!!
  • Zillow
    D
    Doraineg8
    Halethorpe, MD
    Posted on August 29th, 2019 12:00 AM
    Kristy, right off the bat made us feel comfortable. She was friendly and knowledgeable. She gave us multiple options. Was clear in identifying what we needed to work on and what to expect. There were no surprises because she communicated all...
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  • Zillow
    A
    Alina
    Des Plaines, IL
    Posted on May 15th, 2019 12:00 AM
    Kristy is phenomenal, at her job and as a person. Her exceptional customer service never left me doubting the refinancing process. She proves her description of her work ethic perfectly. She goes above and beyond to help you at all hours of...
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  • Zillow
    B
    Beth P
    Glen Burnie, MD
    Posted on May 15th, 2019 12:00 AM
    Kristy was so generous with her time. Very knowledgeable. She answered any questions, any time of day. I never thought we could get into a house so quickly, but she made it happen! We thank her for all that she did and continues to do for us!...
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  • Zillow
    W
    William Y
    Halethorpe, MD
    Posted on May 15th, 2019 12:00 AM
    Kristy is hands down the best lender I've ever worked with. I've been a Real Estate Broker/Salesperson for over 40 years. She is quick, accurate, professional and gets the toughest loans through to closing on time. I recommend her to my clients...
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  • Zillow
    K
    Kyon H
    Baltimore, MD
    Posted on February 26th, 2019 12:00 AM
    Quick respond on things i needed for home purchase. reachable via phone or emails.guide, advise me through the final statement as needed. very friendly.
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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
    Frederick, MD
    Other Serving Areas
    Baltimore, MD
    Frederick, MD

    Year Started

    1998

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • NMLS 302452
    Awards
    Achievements
    • 2023 Presidents Club Gold Award
    • 2024 Presidents Gold Club Award
    • 2025 Presidents Gold Club Award
      • View All
    Hobbies
    • Traveling
    • Reading
    • Camping
      • View All
    Disclaimer
    Equal Housing Opportunity

    Company NMLS 421593. All loans subject to credit approval.