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Veteran-Owned & Locally Operated

Veteran-Owned. Community-Focused.Built Around You.

At Kalamazoo Mortgage, we make homeownership more accessible—whether you're a first-time buyer, moving up, refinancing, or navigating the process with less-than-perfect credit. We take pride in offering real conversations, judgment-free guidance, and loan options that fit your life—not someone else’s formula. We believe in meeting you where you are, then walking you through every step of the mortgage process with clarity, care, and expert insight. Not sure where to begin? That’s exactly why we’re here. Start your mortgage application online or connect with our local team today.

4.9 from 100+ reviews
Locally Owned in Kalamazoo

Your Local Mortgage Experts in Kalamazoo, MI

Real mortgage solutions for every chapter of your life

What We Offer:

  • VA, FHA, USDA, and Conventional home loans
  • Zero-down mortgage programs
  • Flexible, credit-friendly financing solutions
  • First-time homebuyer education and support
  • Refinance and home equity strategies

Whether you're buying your first home, using your VA benefits, or preparing for a new chapter, we're here to help you make confident, informed mortgage decisions.

Let’s Get You Home

Call us today or start your mortgage application online.

Proudly serving homebuyers across Michigan and beyond.

How It Works

Start Your Homebuying Journey Today

01 1

Zero-Down Loans

Buy a home in Michigan with little or no money down.

Learn More
02 2

The Loan Process

Learn more about the steps to homeownership.

Learn More
03 3

Get Pre-Approved

Ready to start your home search? This is step one.

Learn More
Why Kalamazoo Mortgage

Discover personalized home financing with Kalamazoo Mortgage

At Kalamazoo Mortgage, we don’t believe in one-size-fits-all lending. We take the time to understand your goals and design a personalized mortgage solution that works for you—with expert guidance, flexible options, and a more stress-free journey to homeownership.

98%
Customer satisfaction rate
8,000+
Mortgages financed
15+ Years
Serving the Kalamazoo community
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Mortgage Solutions for Everyone

No cash to put down?
Credit not perfect?
Turned down by another lender?

We take a deeper look. At Kalamazoo Mortgage, we rebuild your loan from scratch, explore every option, and work with you one-on-one to find a real path to approval—even when others say no.

If you’ve hit a wall, give us a call. We’re here to help you move forward.

Contact Us

Partners

At Kalamazoo Mortgage, we believe in a collaborative approach to homeownership. That’s why we’ve partnered with trusted financial advisors, trusted independent insurance agencies, skilled home improvement specialists, and expert realtors to ensure you have the support you need every step of the way.

Core Realtors

Our Partners

Matthew

From Dreams to Doorsteps — Hear Their Stories

Our Clients Rave About Us!

We’re dedicated to our clients. Read our reviews to see why they continue to choose us time and time again.

4.9 from 100+ Google reviews

Brian is great to work with. I highly recommend them.

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Alan

Verified client

The team at Kalamazoo Mortgage was amazing. Patient, educating, professional. We have purchased our first home and it was wonderful to have done it with these great people. Thanks Brian for being there for us to see it through.

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Adam B

Verified client

Couldn’t have asked for a more knowledgeable team to guide me through this painless process. Shout out to Brea and her team. Thank you!

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Alex E

Verified client

They were very helpful and would recommend.

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Allen P

Verified client

Working with you made this home-buying experience great and extremely smooth. Your explanations of things helped us tremendously with understanding what comes with the home-buying experience. With this being our first time buying a home, it was helpful to have multiple people looking out for us and guiding us step by step throughout the process. Thanks for all your help!

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Anthony

Verified client

Great company who works hard for their “neighbors”. Kalamazoo Mortgage delivers! Their staff are all professional and very well educated.

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April T

Verified client

Brea worked around the clock for us to put in our offer quickly, win, and the close on time. We really appreciate her, and would recommend them to any of our family or friends!

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Audrey

Verified client

Jack is awesome. He was super responsive and helpful throughout our application/pre-approval process!! Answered every question and explained things in detail, even late into post-working hours and weekends!

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Austin P

Verified client

Got me taken care of and was very painless and efficient. I would highly recommend them to anyone!

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Blake U

Verified client

Amazing service. Brian and his team were extremely professional and made the entire process streamlined and simple. I will be back for my next purchase. 👍

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Brady S

Verified client

They helped us get everything we needed done and were there to answer any questions we had! It made our home buying process easier and less stressful!

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Brandi K

Verified client

They all have made my first time home buying such an easy process for me! I can’t thank all of them enough! I recommend them to all my friends and family! You all have worked so hard to help me through this process!

Thank you so much Kalamazoo Mortgage!

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Breann H

Verified client

They are so helpful and amazing people. Help with questions and give you details on everything and explain in way for you to understand. Great place.

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Brian B

Verified client

Brea was super nice and very efficient!! Would highly recommend.

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Chantelle D

Verified client

Thanks to Brian and his team for helping us on the purchase and refinancing of our home. I highly recommend using Kalamazoo Mortgage for anyone buying or refinancing a home.

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Corey S

Verified client

What a great experience!! It’s our first home and everyone was so helpful and explained everything to us that we didn’t know. We would highly recommend calling and talking to Brian.

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Cheryl B

Verified client

Very friendly, absolutely loved working with them on my mortgage!

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Courtney H

Verified client

Brian’s professionalism and easy to talk to demeanor gave me the reassurance that I needed to fulfill and accomplish my goals of making a huge move to the Kalamazoo area. Thanks Brian.

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Carmita J

Verified client

Great experience working with Brea and her team. She made everything easy for us, super friendly and helpful.

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Dan S

Verified client

Thank you for all your help with my financing. The communication during the process was excellent and your staff was helpful at each step. I would highly recommend you to all of my friends. Thanks again for helping my family.

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David R

Verified client

This is my third home purchase, and by far the best mortgage company I’ve had the pleasure of working with. Brenna Topp and the rest of the Kalamazoo Mortgage team have been amazing. I’ll say from my experience, Kalamazoo Mortgage goes above and beyond for their clients. Answering questions after hours was never an issue.

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Dustin Q

Verified client

Such a great company to work with. Everyone is extremely kind and very helpful. I worked with Brea and could not recommend her enough! She’s always available if I have questions and she’s quick to find solutions to any problems that arise! She’s very patient and understanding, which is key to a great first-time homebuyer’s experience! I will definitely use Kalamazoo Mortgage in the future!

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Elizabeth

Verified client

It’s no secret that applying for a mortgage isn’t very fun… but everyone here made it as painless as possible. We truly appreciated all of their help and patience. Highly recommended!

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Emy R

Verified client

A huge thank you to the Kalamazoo Mortgage team! I have had the pleasure of working with the team for the past couple years. Their knowledge, support, patience, and attention to detail not only helped put my mind at ease during a stressful time but helped me to know I was working with the BEST! If you are looking to refinance, purchase a home, and get your credit back to where you want it to be, look no further this team has your back!!

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Erika B

Verified client

I have been working with Kalamazoo Mortgage for a couple years now and love their heart for creating homeowners!

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Garr R

Verified client

It was a good experience. We love our new home! Thank you so much.

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Gary R

Verified client

Thank you to all the real estate professionals who helped us to finally purchase our first home! We greatly appreciate you!

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GOOD OL SOUTH TEXAS BASS FISHING

Verified client

Brea at Kalamazoo Mortgage has made home buying easy! Just used her for my second home loan today and I will never go to anyone else. Her care and guidance is above and beyond. 10/10 for Kalamazoo Mortgage, and 11/10 for Brea!

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Haley C

Verified client

Brea was amazing to work with! She was so fast with getting us numbers - even on weekends and after hours. We appreciate the Kalamazoo Mortgage team helping us to buy our first home!

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Hannah

Verified client

Brea Topp is an absolute Rockstar! She is the reason we have our dream home. Highly highly highly recommend her!

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Hazy H

Verified client

Great communication and very helpful throughout the mortgage process.

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Ian

Verified client

Brea Topp was absolutely amazing from beginning to end. She took our calls while she was on vacation and made sure my clients, who were first-time homebuyers, had more than enough information so they could choose which loan program best suited them. Her thoughtful and thorough texts were better than I’ve ever seen in the industry as a Realtor for 22 years. Thanks Brea!!

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Jenny Doan, Realtor

Verified client

Easy to work with, great people!

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James S

Verified client

They were on top of things and so quick to respond to calls, texts and emails. They all worked so hard for us!

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Jodi S

Verified client

It was a joy working with Kalamazoo Mortgage!

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Joe B

Verified client

I would recommend going to Kalamazoo mortgage for what you need they are a big help.

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Joe J

Verified client

Easy, simple, and still a huge help with any questions I may have. I would not have gotten here without walking in and asking how to buy a house. Thank you!

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Joshua W

Verified client

Great firm to work with. 1st home for us. They made the process a breeze; could not have asked for a better experience. Thank you Brea!

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Jon P

Verified client

Brea and her team were awesome. They answered any questions I had and looked out for my best interests. I would recommend Brea and Kalamazoo Mortgage for your lender needs.

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JustWebber

Verified client

Great to work with! Worked hard until the very end to help us get our dream home!!

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Kate S

Verified client

I have been working with Brian and I am extremely pleased with all the hard work and time he has put into helping us buy a house. I will definitely recommend him to others. Thank you.

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Kathy D

Verified client

Jack is wonderful! He is so helpful, a great communicator, and an absolute pleasure to work with.

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Katie M

Verified client

Awesome customer service!

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Kelsey D

Verified client

The team were very professional and friendly. They were also very responsive! I would highly recommend them!!

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Kim

Verified client

They do fantastic job to make the whole experience easy…..really go the extra mile to make sure you get what you want.

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Kyle T

Verified client

Nick and Brea were so helpful in this experience and made it easy! Without their help I would not of been able to achieve getting a home! They always answered and were on top of things! Best place I worked with hands down!

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Luke M.

Verified client

Kalamazoo Mortgage goes above and beyond both during and after closing.
Working with these guys was like the difference between valet and self-park!

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Luke S

Verified client

Brea worked (literally) all hours of the night to get us into our first home and I cannot recommend her enough. She knows the in’s and outs of the business well and had my back every step of the way. I will definitely send my friends and family her way.

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Marek W

Verified client

We had a great experience working with Kalamazoo Mortgage. We did a lot of work with Hunter, and he was very professional and attentive. We also did some work with Brea. She was also very professional and made herself available to answer a lot of questions for us. I will always highly recommend working with them.

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Margaret H

Verified client

Kalamazoo Mortgage did a great job in helping me in buy a new home. I would recommend them to anyone looking to refinance or buy a home. Special thanks again to Brea Topp who went above and beyond.

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Matthew J

Verified client

We really enjoyed our experience with Kalamazoo Mortgage. Prompt responses and planning allowed us to submit strong offers while house hunting and finding our home.

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Melanie M

Verified client

What a Great Team ! Thank you!!!

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Michael E

Verified client

Why get pre-approved when you can get “Brea-approved!!!” I highly recommend Brea over at Kalamazoo Mortgage! They made it happen and took great care of us.

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Micheal R

Verified client

On behalf of my husband, our children and myself, I would like to send the biggest thank you to Kalamazoo Mortgage for helping my family purchase our first home! This was a long and uncertain process at times, but with the help of Brea, Hunter and the wonderful team members of Kzoo Mortgage, we were able to successfully close on our home! Again, we want to thank all of you for your support and help during our homebuying process! We wish you all the best!!!

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Mrs. G

Verified client

Super easy process. Closed my loan in less than 3 weeks. Great customer service. I would absolutely recommend for anyone trying to buy a new home!

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Nick B

Verified client

I highly recommend this mortgage team. We were truly grateful to work with Brea Topp throughout our first homebuying journey. From beginning to end, she consistently ensured we felt supported, informed, and confident every step of the way. Her dedication and care made a meaningful difference in our experience. The entire team was exceptional, and I would highly recommend working with them.

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Renee

Verified client

The first mortgage company I suggest to my clients. Great customer service and they truly mean “Where you are a neighbor, not a number.”

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Rich L

Verified client

Very helpful and always answered any questions quickly!

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Rob M

Verified client

Kalamazoo Mortgage is one of our team’s premier lenders for our customers and clients.  They do a great job—I would highly suggest you contact them for all of your financing needs.

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Ron Ekema, Real Estate Agent

Verified client

Great experience working with Kzoo Mortgage. Everyone there is really helpful. When you go, ask for Brea Topp!

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Samir

Verified client

Brenna Topp and team made refinancing a breeze! She explained things thoroughly so that we completely understood our options. 100% recommend!!

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Sarah L

Verified client

This is my second time working with Kalamazoo mortgage. They offered the best rate for my home, they worked with me every step of the way. Brea was very attentive and dedicated to assisting me with my loan. They feel like friends and family because they treat you like you’re a part of theirs.

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Spencer M

Verified client

We were very pleased with the whole process. Start to finish in 20 days. We highly recommend this company.

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Steve J

Verified client

Brenna Topp was absolutely outstanding in helping us purchase our new home. Moving our family across the country has been an intimidating process and Brenna was with us every step of the way. She never hesitated to answer questions. She went above and beyond.

This is a fantastic team, I would highly recommend them for any home purchase.

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Sarah R

Verified client

Kalamazoo Mortage have great people to work with. They work together like a big family.

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Steve L

Verified client

Brea Topp is the best loan officer I’ve worked with! Going above and beyond constantly, working after hours to get files completed! Highly recommend her and the team at Kalamazoo Mortgage!

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Steven Lambert, Realtor

Verified client

Thank you to the Kalamazoo Mortgage Team!!! We are truly loving our new home!

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Summer G

Verified client

Thank you guys for all your hard work with our loan. I’m pretty sure if we were working with another company we would either still be waiting with no close date or the loan would have fallen apart with the first issue we ran into. With your help we are now able to close on our dream house. Thanks again for all your hard work.

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Sy S

Verified client

Customer service: 5/5 Timing: 5/5 Friendliness: 5/5 I am a first home buyer. Everyone was beyond nice, friendly, and willing to explain details for every single question I had. Made me feel confident in my loan amounts and Cash to Close amounts, and boy did all the number’s did scare me but they were reassuring in confirming the correct amounts. Would highly recommend for new home single buyers.

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Teaghen S

Verified client

Thank you so much to the team at Kalamazoo Mortgage! They made the process of buying our first house so much easier than we ever thought it could be.

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Tiffany B

Verified client

Great to work with. Took care of all of my questions and concerns. And saved me a boatload of money. Thanks

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Tim K

Verified client

Thank you for full-service help and for always treating our family as a VIP.

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Venissa T

Verified client