<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=1594118447410323&amp;ev=PageView&amp;noscript=1">

COVID-19 Response: We are here for you. Learn about potential assistance resources and our response on our Coronavirus Update Page.


You are now leaving the Independent Bank website. Linked web pages are not under the control of Independent Bank, its affiliates or subsidiaries. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. Independent Bank provides external links as a convenience and is not responsible for the content or security of any linked web page.

Click “OK” to continue or “Cancel” to go back

Ok Cancel
x Want to chat? How can we help you? open chat
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




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