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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I was introduced to Kristy through our agent, Lisa Diggs. They are a great team! Kristy was very attentive and made us feel like we were her top priority. She was so great to work with, and I plan to keep her info to contact her again with...
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I've worked with many lenders over the course of many years and Kristy really stands out! Her knowledge base is strong; she stays current with regulations and new products, which is challenging in an ever-changing industry. She understands...
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Kristy was a pleasure to work with throughout the whole house purchasing process. She was very professional and maintained constant communication. She was also very determined to get me the most competitive interest rate and save me money with...
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Kristy is the best in the business! She is quick and responsive 24/7. Not only did she help me with my loan she also took extra time to help me with other problems. Whatever the case may be Kristy is there for you, she is a professional and...
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Kristy was a wonderful help during the home buying process. She was always available when we had questions and walked us through the process, as a first time home buyer this was invaluable to us. She responded to emails and phone calls promptly,...
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Kristy Grams is a highly knowledgeable Mortgage specialist who went above and beyond to help us get approved for a loan where so many others fell short. We were originally pre-approved for a loan through Kristy when we lived in MD, last minute...
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Kristy was always polite and helpful. She stayed in contact with me when I was trying to refinance my home loan. She also helped me going the right route that was best for my situation. I would refer her to any friends or family.
Delighted in our experience with buying a house and a second mortgage. Kristy has great "know-how" and customer service. I highly recommend Kristy Grams to serve your mortgage and refinancing needs.
Kristy made what was impossible for two other lenders possible. This was due largely to her knowledge and expertise as a Mortgage Specialist. She maintained a calm, self assured and confident demeanor even amidst some very tenuous and difficult...
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Me and my wife where first time home buyers. Kristy made the experienceEasier then everyone makes it out to be. She is great and will help you Every step of the way. Highly recommended.
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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.