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    Kristy Grams

    @kristygrams

    Senior Loan Officer | NMLS 302452

    Presidential Bank Mortgage

    Mortgage Loan Officer

    50 Citizens Way, Suite 401Frederick, MD 21701
    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

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    Kristy's Articles

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

    Buying

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

    Explore why 2026 offers rare buyer leverage as mortgage rates stabilize at 6.2% and home prices cool. Learn how to secure your home before competition returns.

    Jul 13, 2026·9 min read·80
    Buying
    mortgage
    Current Mortgage Rates Breakdown: 2026 Homebuyer Guide

    Mortgage Rates

    Current Mortgage Rates Breakdown: 2026 Homebuyer Guide

    Average 30-year mortgage rates hit 6.43% in July 2026. Compare fixed vs. adjustable rates and learn how to secure the lowest interest rate for your home.

    Jul 10, 2026·8 min read·140
    Mortgage Rates
    Home Buying

    Showing 2 of 2 articles

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    Presidential Bank Mortgage
    Senior Loan Officer | NMLS 302452
    Website
    pbm-loans.com
    Member since
    July 2026

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