Bernie Kalmus
Mortgage Loan Officer

Bernie Kalmus
Mortgage Loan Officer

Contact Information
12980 Metcalf Ave.
Suite 310
Overland Park, Kansas, 66213
(816) 769-6969(816) 769-6969
Day of the WeekHours
Monday9:00 AM - 5:00 PM
Tuesday9:00 AM - 5:00 PM
Wednesday9:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 5:00 PM
Available by phone and email after hours and on weekends.
Mortgage Loans
  • Conventional Loans
  • FHA Loans
  • Hero Loan Program
  • VA Loans

About Bernie Kalmus

NMLS: 420776

Bernie is an Army Veteran that was stationed in Ansbach Germany while in the service. While there, Bernie spent time traveling around Europe and really enjoyed the people and the culture.

Bernie has been in the mortgage industry for over 20 years. He prides himself on giving the best service to his fellow Veterans and helping them to purchase their homes across the country.

Bernie supports local charities in the community that help his fellow Veterans and children with special needs.

In Bernie’s free time, he enjoys spending time with his wife and children, his large family and his friends.

Armed Forces Bank has proudly served active and retired military clients for more than 100 years, with more on-base locations than any military bank in the U.S. Armed Forces Bank specializes in VA mortgage loans and offers checking and savings accounts, money markets, CDs, personal military loans and lines of credit. This is who we are.


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    VA Loan

    Exclusively for active and retired military service members, a VA loan typically does not require a down payment or private mortgage insurance (PMI).
  • Compare Morrgages

    Compare Mortgages

    Need help with your home purchase? Flexible terms & rates. Simplified pre-qualifying process.
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    Refinancing your mortgage may help lower your monthly payment, shorten the term of your loan, or let you take cash out of your equity.