In observance of Memorial Day, all branches will be closed on Monday, May 27, 2019. We will resume all regular business hours on Tuesday, May 28, 2019. 


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All Mortgage Loan Officers
AJ Harma

AJ Harma

First Vice President, Area Sales Manager | Kalamazoo Mortgage Loan Center | NMLS ID: 436354

With over 32 years in mortgage lending, I’ve held a range of positions, including mortgage loan officer, sales manager, regional manager, and business owner. I also hold a Real Estate Broker's license. My background and education have given me the tools to provide my customers with the guidance and advice of an experienced professional when facing the important decision of purchasing and financing a home. My goal is to ensure that my customers have a positive experience throughout the lending process, and the comfort of knowing I am here to assist long after closing.

As an active community member, I’ve served as a youth soccer coach, as a Trustee on the Richland Township Board of Trustees, and as the Treasurer of the Gull Lake Quality Organization. I am a graduate of Western Michigan University, have been married to the same wonderful woman for over 30 years, and have two amazing daughters.

I look forward to serving you.

Phone Number

Office: 269.569.7238
Fax: 269.569.7258
Cell: 269.207.3038


1090 N. 10th St., Suite 210 Kalamazoo, MI 49009



Jack S.

December 31, 2018

"We will always work with AJ and Gayle."

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Gayl K.

April 13, 2017

"Excellent job!"

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Kelli U.

June 9, 2017

"AJ and Gayle were amazing to work with!!"

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Jesse U.

June 9, 2017

"Best experience I have ever had with a mortgage."

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Mortgage Do's & Don'ts

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ACH Autopay Form

Automatic Transfer Request For Loans

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Identity Theft Affidavit

A voluntary form for filing a report with law enforcement, and disputes with credit reporting agencies and creditors about identity theft-related problems. Visit to use a secure online version that you can print for your records.

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