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
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
You Care customers with warml,generously,and patiently so,everything went amazing and satisfactory with you.
Reply from Kristy Grams
March 17th, 2026 01:37 PM
Your feedback means a lot to me, Thang. I'm pleased that my approach resonated with you and led to a satisfying experience. Caring for my clients is always a priority, and it's rewarding to know it made a difference. If you ever need further...
read more
Kristy Grams has received a review with 5 star rating from Thang K
Reply from Owner
March 16th, 2026 09:30 PM
I appreciate the positive rating, Thang. Thank you for your support!
Kristy did an amazing job. As a first time home buyer I was at loss with the whole process but she worked earnestly and always looked out for our best interest. Even getting us a lower interest rate than we had initially anticipated. I am so...
read more
Reply from Owner
March 16th, 2026 09:29 PM
Dayana, thank you for sharing your experience. I'm truly pleased that I could assist you effectively as you navigated the home buying process for the first time. It was important to me to work diligently to secure your best interests, including...
read more
Kristy was very knowledgeable in all aspects and she kept me informed in every step of the loan. She went above and byond in helping us get the best options and was even able to get us a lower interest rate than we had initially antcipated...
read more
Reply from Kristy Grams
March 16th, 2026 09:31 PM
It's great to hear that you had such a positive experience, Dayana. I'm pleased that my efforts helped make your first home buying process smoother and more understandable. Keeping you informed and finding the best options, including a favorable...
read more
Kristy is absolutely amazing. As a first time home buyer, I had what felt like endless questions . kristy was very patient and answered every question thoroughly . Apart from being very knowledgeable, Kristy is beyond caring . She really does...
read more
Reply from Kristy Grams
March 13th, 2026 03:33 PM
It means a lot to hear such positive feedback, Joselyn. I'm pleased that my efforts aligned with your expectations and that I could help make your first home-buying experience smoother. I understand how many questions can arise during this...
read more
We had a very quick turnaround window and Kristy was able to help us pull it all together. Kristy was very knowledgeable and supportive through the entire process, even the not-so-fun parts :) She walked us through what was needed, when it...
read more
Reply from Kristy Grams
March 13th, 2026 03:08 PM
Heath, I'm pleased to hear that I was able to assist you effectively, especially given the quick turnaround. It’s rewarding to know that my support and guidance made the process smoother for you, even during the challenging moments. Congratulations...
read more
I was not satisfied with the previous lender I had and I was recommended to Kristy from family. I am so happy I got recommended to Kristy. She’s great! She was helpful throughout the entire lending process and prompt in getting back to me when...
read more
Reply from Owner
March 16th, 2026 09:31 PM
I'm truly pleased to hear that your experience with me met your expectations, Jaqueline. It's great to know that I could be of help throughout the lending process and that my communication was effective for you. Thank you for recommending me...
read more
Kristy was prompt in getting back to me when I had questions . She took the time to look at programs that will allieviate the financial burden of owning a home. She was kind and super helpful the entire process.
read more
Reply from Kristy Grams
March 13th, 2026 03:08 PM
It's great to hear your experience was positive, Jaqueline. I’m pleased that my promptness and attention to finding suitable programs made a difference for you. Your feedback on my assistance throughout the process is much appreciated. If you...
read more
outstanding service ! Kristy "Rockstar" Grams!
Reply from Kristy Grams
March 13th, 2026 01:34 PM
I'm grateful for your feedback, Joe. It's wonderful to know you felt I provided outstanding service. I'm here to help with anything you might need in the future, so don't hesitate to reach out.
The experience was great! Made the process very smooth and effective.
Reply from Kristy Grams
March 13th, 2026 01:34 PM
I'm very pleased to hear that your experience was positive, Angel. Making the process smooth and effective is always my aim, and your feedback lets me know I'm on the right track. If you have any further questions or need assistance in the...
read more
81–90 of 444
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
Positions
- Presidential Bank Mortgage - Senior Loan Officer Nov 7th, 2022 - Current
Memberships
- MBS LIVE TOP 10%
- PTA
- American Legion
View All
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
View All
Hobbies
- Traveling
- Reading
- Camping
View All
Disclaimer
Company NMLS 421593. All loans subject to credit approval.