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    • San Ramon, CA

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    K

    Kristy Grams

    @kristygrams

    Senior Loan Officer | NMLS 302452

    Presidential Bank Mortgage

    Mortgage Loan Officer

    Frederick, MD
    2Articles

    About Kristy

    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, Me

    Kristy's Articles

    Why 2026 Is a Good Time to Buy: A Strategic Real Estate

    Why 2026 Is a Good Time to Buy: A Strategic Real Estate

    Buying
    mortgage

    by Kristy Grams

    Jul 13, 2026
    9 min read
    2
    0
    Current Mortgage Rates Breakdown: 2026 Homebuyer Guide

    Current Mortgage Rates Breakdown: 2026 Homebuyer Guide

    Mortgage Rates
    Home Buying

    by Kristy Grams

    Jul 10, 2026
    8 min read
    9
    0

    Showing 2 of 2 articles

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