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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Krsty Gram was our loan officer and was GREAT. Kristy made us feel like we had been freinds since forever. She was great with communications as well.
110% had a great experience with Kristy! She made buying our first home very easy! I recommend her for anyone looking to purchase a home, either for the first time or second. You will not be disappointed!
Kristy made the home loan process easy and painless! She is super friendly, and willing to go above and beyond to make sure you understand the process! She made us feel very confident and comfortable❤️
As a first-time home buyer she was able to make me feel comfortable. Extremely helpful and informative whenever I needed her. Ultimately, made the entire process as quick, effortless, and beneficial as possible. Would definitely recommend.
I worked with Kristy when I needed to refinance my home. She worked quickly and effectively. She was right on top of all obstacles and quick to reply to any questions or concerns via text, phone or email. She was able to work with me to make...
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Kristy was phenomenal! She was so personable and very responsive to email and text messages. This was my first time purchasing a home and I knew nothing about the process. Kristy was very knowledgable and explained everything from start to...
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Kristy was amazing, I’m a first time home buyer and had no idea what I was doing, she was so patient, and explained everything so I could understand!
Kristy was great, still helps me to this day with any concerns since I'm new to the homebuying process. Very knowledgeable, quick at responding, just wonderful!
There is no one better than Kristy! She helped us not only to buy our dream home, but has helped numerous of my friends too. She is quick and thorough too!
Kristy helped my fiance and i get financing to purchase our house in November of 2017. She was very helpful and was always there to answer our questions. We had some hoops to jump through but Kristy was there every step of the way. We will...
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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.