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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Reviews from Web
Kristy was knowledgeable and supportive. Kept me informed, and guided me in a timely manner every step of the way. When the process felt overwhelming she encouraged me to stay on track. Issue "bite size" pieces that made things manageable....
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Reply from Kristy Grams
June 4th, 2026 09:48 PM
Carline, thank you for sharing your experience. I'm pleased to hear that my support and guidance made a difference throughout the process. Helping you manage everything in a way that felt manageable and respectful is truly important to me....
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Kristy is an absolute gem. Her knowledge and responsiveness are truly unmatched. I’ve had the pleasure of working with her on several deals, and each experience has been exceptional. Thank you again, Kristy.
Reply from Kristy Grams
June 4th, 2026 01:11 PM
Thank you so much, Tanner, for your kind words. I'm pleased to hear that my knowledge and responsiveness have made a positive impact on your experiences. It's always a pleasure working with you on the deals, and I look forward to continuing...
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As a first time home buyer, she guided my wife and I carefully through the process which seemed daunting at times. She is much appreciated and is simply the best !
Reply from Kristy Grams
June 3rd, 2026 03:51 PM
Curtis, thank you for sharing your experience. I'm pleased to hear that I could guide you and your wife through the home buying process. Your kind words mean a lot to me, and I'm glad to have been of help. If you ever need further assistance,...
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Had a great home buying experience!
Reply from Kristy Grams
June 1st, 2026 03:11 PM
I'm happy to hear that you had a great home buying experience, Lita! It was a pleasure assisting you, and if there's anything else you need in the future, please don't hesitate to reach out.
Great communication!
Reply from Kristy Grams
May 27th, 2026 03:10 PM
Thank you, Taylor, for highlighting the great communication. I'm pleased that my efforts met your expectations, and I'm always here to help should you need anything in the future.
KRISTY IS THE BEST LENDER I HAVE EVER WORKED WITH.
Reply from Kristy Grams
May 26th, 2026 01:57 PM
Lisa, thank you for your generous feedback. I'm pleased to know that you had such a positive experience working with me. Thank you so much for trusting me with your customers mortgage financing needs! If there's anything more, I can do for...
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Great communication.
Reply from Kristy Grams
May 26th, 2026 01:34 PM
Patricia, thank you for your kind words about the communication. I'm pleased to know that it contributed to a positive experience. If there's anything else I can assist you with, please feel free to reach out.
Kristy is great to work with throughout the entire lending process. She was very responsive, knowledgeable, and made everything smooth and stress free from start to finish. Her communication and attention to detail were excellent, and I truly...
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Reply from Kristy Grams
May 22nd, 2026 05:21 PM
Thank you so much for your kind words, Van. I'm pleased to hear that my responsiveness and attention to detail made your lending process smooth and stress-free. It was a pleasure working with you, and I truly appreciate your recommendation....
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Kristy Grams has received a review with 5 star rating from David C
Reply from Owner
May 26th, 2026 01:35 PM
Thank you, David, for the great rating. I appreciate your support and am grateful to have had the opportunity to assist you.
Thanks for your help
Reply from Kristy Grams
May 22nd, 2026 05:22 PM
David, I appreciate your message. I'm pleased I could assist you. If you need anything else, feel free to reach out.
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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.