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All Mortgage Loan Officers
AJ Harma

AJ Harma

First Vice President, Area Sales Manager | Kalamazoo Mortgage Loan Center - No Cash Transactions | 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




Donna G.

May 6, 2021

"We were very pleased with the quality of the service we received from the Harma team at Independent Bank. Truly outstanding care in all aspects of the loan process. Highly recommend them."

Elizabeth R.

October 27, 2020

"Your office is absolutely amazing! Thank you for reaching out to us and making this refinancing so easy! We both are novice when it comes to all of this and you guys were so patient and answered all of our silly questions. Not only were we able to lower our interest rate and payment, we were able to redo our budget which has us projected to pay off our 30 year mortgage in 20! You will continue to have our business and I tell people all the time how great you all are!"

Maura S.

October 12, 2020

"5 Stars all around. I would recommend to anyone going through the mortgage process. The Harma team was as helpful as anyone gets. Big shout out especially to Maggie Harma, she was continuously on the ball. As seamless and easy a process as it could be!"

Rebecca M.

September 27, 2019

"Thank you so much for your exceptional service in regards to our mortgage. You helped us navigate some very unfamiliar territory, walking us patiently through every step. Independent Bank's entire staff was professional, prompt, helpful, and personable. We appreciate all they did to make this part of our move go smoothly. We will heartily point others in your direction!"

Alyssa W.

June 10, 2019

"I thoroughly enjoyed my experience working with Gayle and AJ. They were quick to respond when I had questions, and helped me understand the necessary documentation for the mortgage application process. They made the daunting mortgage process smoother than expected."

Shannon D.

March 11, 2019

"Gayle, Maggie & AJ were awesome to work with! They were knowledgeable, helpful, prompt, and made my entire mortgage process so smooth!"

Jack S.

December 31, 2018

"We have used AJ and Gayle for all of our mortgage needs for the last 20 years. We will always work with them and could not be happier with their service."

Kelli U.

June 9, 2017

"It was a very seamless process...my husband travels and had a very narrow window for closing, and they made it happen!!! That is awesome customer service."

Jesse U.

June 9, 2017

"Very painless, and it was a great experience."

Gayl K.

April 13, 2017

Thank you to AJ and all involved in the process with closing my mortgage!!!"


Mortgage Do's & Don'ts

We know that the mortgage process can seem overwhelming, but at Independent Bank, it’s our goal to make this process as seamless as possible.

ACH Autopay Form

Automatic Transfer Request For Loans

Checkbook Register Worksheet

Download Checkbook Register Worksheet

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 identitytheft.gov to use a secure online version that you can print for your records.

All Resources