Kristy Lynn Grams, Senior Loan Officer NMLS# 302452

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United States
Frederick, MD
Kristy Lynn Grams, Senior Loan Officer NMLS# 302452

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Presidential Bank Mortgage | Company NMLS # 421593 Hello, my name is Kristy Lynn Grams. 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 have been with West Town Bank and Trust since 2010 and I have been a Loan Officer for over 20 years. NO QUESTION IS A STUPID QUESTION. This is a journey and I want you to feel comfortable asking me any and all of your questions. It is always better to ask your questions than to have them weigh on you or to be misinformed. I am here to help make your buying/refinancing journey as easy as possible. I believe that communication is key to a smooth home buying experience or refinance. I want to make sure that you understand step by step the loan process, answer all your questions while educating you on different mortgage options and programs available to suit your specific needs. My goal is to make your dream of homeownership a reality while making the process as painless as possible! I offer a wide range of mortgage products and I am licensed in all 50 states. If you’re looking for a knowledgeable, honest, and dependable loan officer look no further I'm here! PS- Unlike other loan officers who work 9-5 pm M-F, I am available Monday through Sunday and if I'm awake I'll answer! Please take a look at my Zillow to see reviews from past/current clients:
https://www.zillow.com/lender-profile/KristyGrams/

11/03/2026

Waiting for the Fed to make its next move before buying a home? Here's something to keep in mind. 🏡

The Fed's latest announcement came and went, but mortgage rates saw only modest movement.

Why? Mortgage rates don't move in lockstep with the Fed. They tend to follow the bond market, which responds to a variety of economic factors.

That means waiting for a particular Fed date doesn't necessarily mean you'll get a better mortgage rate.

The best time to buy depends on more than a headline. Let's talk about your goals, your budget, and what options may be available to you.

11/01/2026

More time, more opportunities!
Daylight Saving Time ends, but it’s always the right time to explore your mortgage options. Let’s make your next move before the year runs out! 💪🏠

10/31/2026

No tricks, just helpful mortgage guidance! 🎃🏡 This Halloween, let's help make the path to homeownership feel a little less frightening.

Ready to explore your mortgage options? Let's chat today!

10/30/2026

🏡💰 Mortgage Payoff vs. Investing: Which Move is Right for You?

Should you pay off your mortgage early or put that extra money toward investments? Both options have potential benefits, but the right choice depends on your financial goals!

Check out our new blog post to explore both options and learn what factors to consider when making your decision.

https://www.presidentialbankmortgage.com/post/mortgage-payoff-vs-investing-which-move-is-right-for-you

10/29/2026

🐝 BUZZ-WORTHY TIP #3: Turn your mortgage partner into a listing resource.

Realtors, your mortgage partner can bring more to the table than just financing.

Payment flyers, affordability graphics, QR-code payment scenarios and open house pre-approval tools can help you give potential buyers a clearer picture of what a home could look like financially.

These tools can help create more engagement around your listings, give buyers something useful to take away, and give you another way to start conversations with potential clients.

🏡 More tools. More buyer engagement. More ways to market your listings.

10/28/2026

The Fed is making headlines again, but what does that really mean for your mortgage?

Here's what matters: Mortgage rates don't move automatically with the Fed, and waiting for the "perfect" rate doesn't guarantee a better opportunity.

Whether you're looking to buy, refinance or explore your home equity options, don't let market headlines determine your next move.

Don't just watch the rates. Know your opportunities.

Let's run the numbers and see what makes sense for YOU in today's market!

10/28/2026

🚒🚑 Today, on National First Responders Day, we honor the firefighters, police officers, EMTs, and other first responders who dedicate their lives to protecting and serving our communities.

Thank you for answering the call, showing up when it matters most, and helping keep our communities safe. You deserve a place to call home, too! 🏡

Did you know there are a number of down payment assistance programs available specifically for first responders? Depending on your location, profession, and eligibility, these programs may help make homeownership more attainable.

Whether you're a firefighter, police officer, EMT, or another dedicated first responder, there may be options worth exploring.

💙 Ready to see what may be available to you? Let's connect and explore your homeownership options!

10/27/2026

🍂🏡 Myth: Fall is a bad time to buy a home.

Fall may bring less competition, motivated sellers, and more room to negotiate, depending on your local market. The best time to buy comes down to your goals, finances, and what works for you. 🔑✨

Ready to explore your homebuying options? Let's chat today!

10/26/2026

Homeowners are sitting on an estimated $35 trillion in equity. 🔑 More are using it for renovations and big goals while keeping their current mortgage in place. Curious what yours could do? Let's start the conversation.

Address

50 Citizens Way #401
Frederick, MD
21701

Telephone

+13016765352

Website

http://www.pbm-loans.com/kristy.grams

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