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 and her team are absolutely amazing! Very communicative and made the buying process much easier than expected. I will absolutely be recommending her to all my friends and family.
Reply from Kristy Grams
April 25th, 2026 12:19 AM
Thank you so much, Ethan. I'm pleased to hear that you found the buying process easier with our team's communication efforts. Your recommendation to friends and family means a lot to me, and I'm grateful for your support. If you ever have more...
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Kristy has been amazing to work with throughout my home buying experience. She always takes the time to answer all my questions with guidance. I love working with her after using her services twice now to purchase a home. I could write a novel...
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Reply from Kristy Grams
April 15th, 2026 12:54 AM
Thank you so much for your thoughtful review, Clayton. I'm truly grateful to have had the opportunity to assist you twice with your home purchases and to have built such a positive relationship. It's appreciated to know that my guidance has...
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Kristy Grams has received a review with 5 star rating from Shawn M
Reply from Owner
April 15th, 2026 12:54 AM
Thank you, Shawn, for the good rating. I’m glad to know you had a positive experience with my service at Presidential Bank Mortgage. If there's anything more I can do for you, please don't hesitate to reach out.
Kristys willingness to help us every step of the way and explain everything in great detail made a huge difference for us. she was availble whenever we needed her and definetly put up with more than she needed too. I can't recommend her highly...
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Reply from Kristy Grams
April 11th, 2026 06:42 PM
I'm really grateful for your kind words, Shawn. It's rewarding to know that my support throughout the process and the detailed explanations were helpful for you. Being available and accommodating is important to me, and it's great to hear that...
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We loved working with Kristy Grams. She made the purchasing process of our first home very easy and hassle free. All that we had to do was to submit the documents that she required and sign. She took the time out to explain all the documents...
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Reply from Owner
March 31st, 2026 01:29 PM
I'm truly grateful for your heartfelt review, Stacy-Ann. It's wonderful to know that I could make the home-buying process smooth and stress-free for you, especially as first-time buyers. Taking the time to explain everything so you felt informed...
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We were recommended to Kristy Grams by our realtor. She made tthe purchasing process of our first home super easy and hassle free. All that was required of us was to send our documents to her and sign. She handled everything for us and before...
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Reply from Kristy Grams
March 31st, 2026 01:28 PM
Chrystal, I'm truly pleased to read about your experience. Making the purchasing process easy and hassle-free for you was my top priority, and it's wonderful to know that you felt confident every step of the way. I'm honored by your trust and...
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Kristy Grams has received a review with 5 star rating from Carlie A
Reply from Owner
March 31st, 2026 01:27 PM
I appreciate your rating, Carlie. If you ever need assistance in the future, please feel free to reach out.
Kristy was the best! She kept us well informed and made us feel very comfortable throughout the entire process.
Reply from Kristy Grams
March 25th, 2026 03:44 PM
I'm very pleased to hear that you felt well informed and comfortable during the process, Carlie. It's important to me that my clients feel supported and at ease every step of the way. Thank you for your kind feedback, and if you ever need assistance...
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Great Job!
Reply from Kristy Grams
March 23rd, 2026 01:46 PM
Thanks for your feedback, Andrew. I'm pleased to see you had a positive experience. If there's anything more I can assist you with, feel free to reach out.
KRISTY GRAMS IS THE BEST!!!
Reply from Kristy Grams
March 17th, 2026 02:44 PM
Thank you for your enthusiastic feedback, Lisa! It's great to know that you feel this way. If there's ever anything else you need, I'm here to help.
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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.