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Kristy Grams
Senior Loan Officer

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!

Scroll down to see what my clients and partners have shared about their experience!

  • 50 Citizens Way
    Suite 401
    Frederick MD 21701
  • 301-694-1500
  • 301-694-6848
  • 50 Citizens Way, Suite 401
    Frederick, MD 21701