Exclusive Mortgage Products
Stand Out with Exclusive Mortgage Products Only Sunflower Bank Can Offer
When you work with Sunflower Bank, you gain access to a powerful suite of exclusive mortgage lending products designed to help you win more business and better serve your clients. Our unique offerings give you a competitive advantage in today’s market. These programs are designed for first-time home buyers, high-net worth clients, or borrowers with specialized needs.
With the strength of our portfolio solutions and a forward-thinking team, you’ll have the tools you need to grow your pipeline, build lasting relationships and take your career to the next level.
Mortgage Sales Careers
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HOME Program1
Our HOME (Homeownership Made Easy) program is exclusively designed to open more doors for your clients. With just 3% down, flexible credit requirements and options available for FICO scores as low as 620, HOME is built to support limited-income borrowers who may not qualify through traditional channels. The program gives you a powerful solution to help more families achieve homeownership, while expanding your reach in underserved markets. It’s just one more way we help deliver greater value and grow your business with confidence.
Hero Saver Plus Program2
The Hero Saver Plus program is our way of honoring those who serve in our local communities. Eligible HEROs include educators, EMS, firefighters, military members, clergy, medical professionals, dental specialists, sports coaches and law enforcement. These individuals can receive up to $1500 in lender credit which can be used to reduce interest rates or closing costs on qualifying loans. With Sunflower Bank, you’ll have the opportunity to directly support everyday heroes while helping them achieve homeownership.
Builder One Program3
Our Builder One Program helps you support clients building their dream homes by rewarding them with 1% of their loan amount back as a lender credit. This exclusive offer is available for primary and secondary residences and can be used to cover closing costs, interest rate buy-downs, or other prepaid expenses. In addition, the program includes flexible fixed and extended rate lock options, providing peace of mind in a fluctuating market. It’s a powerful way to turn construction loans into lasting relationships.
Seller’s Max Advantage Program4
With the Seller’s Max Advantage program, you can offer buyers up to 1% in lender credit which can be used to reduce their interest rate or lower their out-of-pocket costs at closing. This credit is up to $5,000 and can be applied on conventional, FHA, VA, USDA and Jumbo loans. The program is designed to support a wide range of property types including primary residences, second homes, and investment properties. This exclusive offering can help you build trust with your buyers by reducing financial stress.
Saver 85 Program5
Our Saver 85 program is an exclusive offering that empowers borrowers with the benefits of a conventional loan without the burden of monthly mortgage insurance. This program is designed with real savings in mind, delivering lower monthly payments and competitive interest rates. With financing available up to 85% Loan-to-Value (LTV) clients can secure their dream home with confidence and ease. What sets Saver 85 apart is its lender-paid mortgage insurance, which means borrowers never have to worry about an extra monthly insurance cost because we’ll cover it for them. With flexible terms to match individual financial goals, this program gives you an edge to offer real, lasting value to your clients.
13% down payment on a $400,000 loan would equal to $12,000. Program only available in eligible counties
2$1500 lender credit can be applied toward closing costs, rate reduction, and/or prepaids. Limitations apply to the credit amount based on loan amount. This offer cannot be combined with any other incentive. Primary residences only.
31% lender credit can be applied toward closing costs, rate reduction, and/or prepaids. Up to $5,000 if over the conforming limit. New construction only. Program cannot be combined with any other incentive. Limitations apply to the credit amount based on loan amount.
41% lender credit can be applied toward closing costs, rate reduction, and/or prepaids. Cannot be used for downpayment. Listing Incentive Agreement must be dated, signed, and returned prior to signing contact. Program cannot be used in conjunction with the Hero Saver Plus Program or combined with any other Affinity incentives. Loans are subject to credit review and approval. This is a temporary offer, and the lender credit is not tied to the interest rate. Limitations apply to the credit amount based on loan amount.
5On a $400,000 loan amount, 85% LTV would be $340,000. Only available in eligible areas. Primary residence only. Pricing or other incentives may not be stacked or combined with other offers.