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
Went with my first home and Kristy, did an amazing job. I would recommend this place to anybody looking to buy.
Reply from Owner
May 22nd, 2026 05:10 PM
Thank you for sharing your experience, Bryan. I'm pleased that I could assist you with your first home purchase and that you felt confident recommending us. If you have any questions or need further assistance, please don't hesitate to reach...
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experience with Kristy was amazing. She was able to answer all of the questions that I have and to make sure my experience went as a smooth as possible. I can't thank you enough for everything she did.
Reply from Kristy Grams
May 15th, 2026 04:37 PM
I'm grateful for your kind words, Bryan. I'm pleased to know that I could answer all your questions and help ensure a smooth experience for you. If you ever need assistance again, please don't hesitate to reach out.
Kristy Always provides Excellent services to all my clients and they sll are so happy and all of them comes back to us.
clients are so happy.
Reply from Kristy Grams
May 12th, 2026 02:15 PM
Thank you, Jose, for sharing your positive experience. I'm pleased to hear that the services I provide have resulted in happy clients and repeat business. Your continued trust and support mean a lot to me.
She was truly a plessure to work with. Quick to respond and very helpful! Would and definely will reccomend to anyone looking for a loan officer. Thank you Kristy for everything!
Reply from Kristy Grams
May 12th, 2026 01:13 AM
Brendan, thank you for your kind words! I'm pleased to hear that you found my responsiveness and assistance helpful. It's great to know you'd recommend me to others. If you ever need anything else, please don't hesitate to reach out.
Kristy was amazing, super helpful and informative I was nervous about the whome process since Im a first time buyer but Kristy made everything super easy to understand and do. I would recommend working with her to anyone!!
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Reply from Kristy Grams
May 10th, 2026 08:28 PM
Thank you so much for your kind words, Emma. I'm pleased to hear that I could help make the home-buying process easier and more understandable for you as a first-time buyer. Your recommendation means a lot to me, and I'm here if you need any...
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The Best! Highly Recommend
Reply from Kristy Grams
May 2nd, 2026 01:57 AM
Thank you, Anthony, for the high recommendation. I'm pleased to know that you had such a positive experience. If there's anything more I can do for you in the future, please don't hesitate to reach out.
She is the best person
everyone come with her
Reply from Owner
May 9th, 2026 01:55 AM
Thank you so much for your kind words, Maung. I'm truly pleased to hear that you had such a positive experience with me. If there's anything more I can do for you, please don't hesitate to reach out.
She is the best person
Reply from Kristy Grams
May 1st, 2026 12:39 PM
Thank you, Maung. I'm grateful for your kind words and pleased to know that you had a positive experience. If there's anything else I can assist you with, please don't hesitate to reach out.
Kristy is extremely responsive. She does an amazing job at not only answering questions, but explaining and exploring all options.
Reply from Kristy Grams
April 28th, 2026 03:53 PM
Marguerite, thank you for highlighting my responsiveness and dedication to exploring all options with you. I'm pleased to know that my efforts in answering and explaining were helpful. If there's anything else you need, I'm here to assist.
Kristy Grams has received a review with 5 star rating from Ethan S
Reply from Owner
April 28th, 2026 03:53 PM
Thank you for the excellent rating, Ethan. I appreciate your support and look forward to working with you again in the future.
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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.