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 is not your normal loan officer. Not only does she go out of her way for you she is a wonderful kind hearted person. Anything you need kristy will have it or get it for you! She is very quick and passionate about her work.. kristy dosent...
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Kristy is fast to respond to emails and messages, which helps me so much when making decisions over offers on different houses. She is knowledge in her field, and willing to take time patiently to explain to me as I am a first-time home buyer....
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I give Kristy Grams 5 stars.. She was very attentive and very easy to work with. She made buying our home, with all the necessary documents and things needed, go so smoothly and she was very pleasant to work with.. I would highly recommend...
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I don't apply for a mortgage every day and it's an extremely complicated process, Kristy couldn't make it any less complicated but she was able to make it much less frustrating than it could have been. I never found myself waiting on her to...
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I would like to recommend, , Kristy Grams, a Real Estate Professional . Kristy is a very dedicated individual who works for her clients and follows through on every part of the process that is under her purvey.Kristy extremely knowledgeable...
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Kristy was the lender for my purchase and refinancing. She was knowledgeable, professional, and always available to cater to any of my needs. I would recommend her to anyone and everyone.
I rate Kristy 5 stars in each category she was awesome with me and my husbands approval process in purchasing a new home. Kristy was very knowledgeable on the steps we needed to take in buying a new home.
Lol she kept me sanity through the process. She was my rep my friend my councilor my everything lol. She is a true professional and made my first experience awsome . She made my family's dreams come true . Truly grateful.
My husband and I were 1st time home buyers. Kristy was knowledgeable and made the process simple. It took us 27 days to close on our house and I know it's because of her thorough hard work.
I am not exaggerating when I say that I don't believe I would be in my home if it wasn't for Kristy Grams. She was there for me throughout the whole property buying fiasco and made it as easy as possible for me. She went above and beyond and...
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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.