Headshot of Annika Harris

Annika Harris

Loan Officer

Kalispell Mortgage Lender

NMLS #1352435

30 Lower Valley Road, Suite 1
Kalispell, MT 59901
Contact Methods
tel Phone
mobile Mobile
(406) 210-2757
fax Fax


About Annika

I'm a highly experienced mortgage lender with over 16 years of expertise in the real estate industry. Based in Kalispell, Montana, I'm known for my exceptional customer service and dedication to helping clients achieve their homeownership goals. My expertise extends to a variety of mortgage products, including conventional, FHA, VA, and jumbo loans. I'll work closely with you to understand your unique needs and financial situation and provide a tailored solution to achieve your goals.

Outside of work, I love spending time with my husband and two kids exploring the great outdoors of Montana. I'm an avid gardener and enjoy hiking, camping, and fishing with my family. I'm also deeply committed to the community and regularly volunteer with local organizations. This dedication to my clients and our community has earned me a reputation as a trusted advisor and valued member of the real estate industry in Montana.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 406-407-7040