Steve Howard

Title: Mortgage Regional Sales Manager, VP

NMLS# 997898

Location: Phoenix, AZ

To all his past and present clients Steve Howard is known as the “go to guy” for mortgages. But don’t take our word for it, check out the hundreds of reviews and stories that they’ve posted for him online.

With 30+ years of mortgage experience, he has seen it all. His love for the mortgage business started back in 1993. Steve discovered that he had four key attributes that would make the mortgage industry his calling:

He always excelled in math in school.
He has a finance and accounting background.
A work ethic that his father instilled in him.
Most importantly he simply loves to help people.

Whether it’s assisting a first-time borrower achieve their dream of home ownership or creating a refinancing plan to help a client to become debt-free. Steve looks beyond the paper to imagine each client’s scenario as if it were his own.  

Steve and his team have done it all. He’s been a loan officer, operations manager, regional production manager and even owned his own company for many years. That vast experience allows him to navigate the obstacles that can pop up in the mortgage process and ensure a smooth transaction for his clients and their families.

Whatever the challenge, Steve gives 110%. This passion comes from his desire to insure his family is provided for. His family includes three daughters, so Steve goodheartedly says that means “many trips to the mall, which is my least favorite place.” Instead, he’d rather be pursuing his favorite hobbies which include: golfing with friends, collecting classic cars, seeing movies with the kids, swimming, or going to weekend volleyball games.

You are in good hands when working with Steve Howard. 

 

Steve Howard and family

Awards & Achievements

Sunflower Bank Petals of Prestige Logo

Petals of Prestige Award Recipient

2025 - The Pinnacle Club

Family of 4 moving into home carrying boxes

Down Payment Assistance

Did you know there are programs that can help you find funding for your down payment? We are proud to offer a range of national and state-specific Down Payment Assistance programs that can help turn your dreams of homeownership into reality. Click below to see if you are eligible. 
Check Eligibility
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My Mortgage App

My mortgage app makes it easy! Get your digital to-do list, access calculators, send documents securely and much more!

In just a few clicks you'll receive a text message with a custom download link to connect directly with me on the mobile app!
Get My Custom Mobile App Link
Calculator on table with pen and laptop

Calculators

Get help answering the big questions:
What will my monthly payments be? 
Can I save money by refinancing?
Should I keep renting or buy now? 

Visit our calculators for quick reference then contact us for specific guidance!
Check Out Our Calculators!

Finance Your Dream Home

Homebuying isn’t a one-mortgage-fits-all experience. That’s why Sunflower Bank offers a variety of home loan options to fit your goals and financial needs. Whether you’re looking to buy, build, or refinance, our expert loan originators will guide you through possible options to find the right solution for your homebuying needs.
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What My Customers Say

5 Star Rating
Very helpful, through and professional

Derrek E

WA

Jul 05, 2026

5 Star Rating
Steve helps out a lot and explains the process.

Chadley R

ID

Jul 03, 2026

5 Star Rating
My experience with Steve Howard at Sunflower Bank was outstanding from beginning to end. Steve was knowledgeable, responsive, and made what can often be a stressful mortgage process feel smooth and straightforward. He took the time to answer all of my questions, kept me informed every step of the way, and was always available when I needed guidance. I truly appreciated his professionalism, honesty, and attention to detail. It was clear that he genuinely cared about helping me find the best solution rather than just closing a loan. Thanks to Steve's expertise and dedication, the entire process was efficient and exceeded my expectations. I would highly recommend Steve Howard and Sunflower Bank to anyone looking for a mortgage lender. They earned a perfect 10 out of 10, and I wouldn't hesitate to work with them again in the future.

Ronnie K

MI

Jul 01, 2026

5 Star Rating
Excellent. Amazing Comminucation. Quick response time to questions and professional

Mark B

CA

Jun 29, 2026

5 Star Rating
Steve and his team are hard working, extremely responsive and organized!

Erin S

AZ

Jun 26, 2026

5 Star Rating
Extremely responsive; Stays on top of everything during the lending process.

Douglas H

AZ

Jun 10, 2026

5 Star Rating
I cannot say enough positive things about My experience with Steve, He has made every step from the very beginning easy, informative and he was always very quick to respond any time I needed him. All the staff at sunflower has treated me the same. Would highly recommend Steve and Sunflower for anyone.

Neale S

AZ

May 19, 2026

5 Star Rating
As a first-time homebuyer, it was a great experience with Steve; always received a prompt, patient response to my many, and often repeated, questions.

Wesley S

WA

May 19, 2026

5 Star Rating
Steve and his team have been more than exceptional and helpful throughout the entire process. They addressed every question and worry we had quickly and accurately.

Christopher B

WA

Apr 12, 2026

5 Star Rating
Extremely professional and helpful

Austin B

ID

Mar 03, 2026