Mortgage Support

What payment methods are accepted? Sunflower Bank accepts mortgage payments through automatic ACH withdrawal, online payments via your account portal, telephone payments, mail (check or money order), and in-person at any Sunflower Bank branch. Each payment method has different processing timeframes and requirements. Complete details on all available payment options can be found on our payment options page.

How is online payment access established? Register for Sunflower Bank's online mortgage account access at mymortgage.sunflowerbank.com using your personal identification information. Once registered, you can submit one-time payments, establish recurring automatic payments, view statements and payment history, and manage your account 24/7. Contact our mortgage support team at 800.331.4799 if you require assistance with registration or online access.

Sunflower Bank offers automatic ACH payment setup through your account portal where you can select your preferred payment date and bank account for monthly withdrawals. Alternatively, you may complete our ACH authorization form available online or from mortgage support. To modify or discontinue automatic payments, submit an ACH change request form or contact our mortgage support department.

Sunflower Bank mortgage payments are due on the first day of each month, with most loans providing a grace period before late fees are assessed, typically 15 days. Late fees are generally calculated as a percentage of the principal and interest payment and vary by state regulation. Making payments within the grace period avoids late charges or further assessments.

Your first Sunflower Bank mortgage payment is typically due on the first day of the month following your first full month after closing. For example, if you close on March 15th, your first payment would generally be due May 1st. Prepaid interest from closing through month-end is collected at the closing table, and payment due dates are specified in your loan documents and welcome materials.

At Sunflower Bank, additional principal payments are applied directly to your loan balance, reducing future interest charges and potentially shortening your loan term. The scheduled monthly payment must be paid in order for a principal curtailment to occur. When submitting extra payments online, by mail, or by phone, clearly designate the additional amount as "additional principal" to ensure proper application. Our payoff calculator can illustrate how extra payments impact your loan payoff timeline.

Sunflower Bank does not assess prepayment penalties on most residential mortgage products, allowing you to make additional principal payments or pay off your loan early without incurring fees. Your specific loan documents indicate whether any prepayment restrictions apply to your loan. This flexibility allows you to reduce your debt more quickly through additional payments or refinancing when it serves your financial interests.

If you have an escrowed loan, payment changes typically result from annual escrow account adjustments when property taxes or insurance premiums increase or decrease. Sunflower Bank reviews escrow accounts annually and compares funds collected to actual disbursements, adjusting your monthly payment to maintain the required escrow balance. On fixed-rate mortgages, your principal and interest payment remains constant; only the escrow portion changes based on tax and insurance costs. Visit our mortgage servicing page for more information.

Sunflower Bank escrow accounts typically fund property taxes and homeowners insurance premiums, and may also include flood insurance, mortgage insurance, and homeowners association dues when applicable. We collect a portion of these annual expenses with each monthly payment and remit payment to the appropriate entities when bills become due. This ensures continuous insurance coverage and timely tax payments while spreading costs evenly throughout the year. Learn more about mortgage servicing.

Sunflower Bank performs an annual escrow analysis as federally required to review your property tax and insurance costs, compare them to funds collected, and determine whether payment adjustments are necessary. These analyses take place in January, with new payments effective in March. Lenders must maintain an escrow cushion, typically equivalent to two months of expenses, to accommodate cost increases and payment timing variations. You will receive an escrow analysis statement explaining any payment adjustments and the specific reasons for changes. Learn more about escrow management.

Insurance policy updates and renewal declarations should be submitted to Allied Solutions, Sunflower Bank's hazard insurance management partner. Updates are required when changing insurance carriers, increasing coverage amounts, or receiving annual renewal documents. Maintaining adequate insurance coverage is a loan requirement, and coverage lapses may result in force-placed insurance at a higher cost to you. Visit our managing your mortgage page for details.

Payoff quotes may be requested by calling our mortgage support team at 800.331.4799 or emailing [email protected]. Payoff quotes are valid for up to two weeks and include your principal balance, per diem interest through the payoff date, and any applicable fees. Sunflower Bank customers with non-FHA loans receive one complimentary payoff quote per calendar year ($20 each additional); borrowers with FHA loans may receive a payoff quote at no charge.

Credit reporting disputes should be submitted in writing to Sunflower Bank's mortgage servicing department at the address provided in your loan documents, including your loan number, specific discrepancy details, and any supporting documentation. Sunflower Bank investigates disputes within 30 days in accordance with federal regulations. You may also dispute information directly with the credit reporting agencies if you believe reported information is inaccurate or incomplete.

Sunflower Bank reports your mortgage payment activity to the major credit bureaus monthly, with timely payments strengthening your credit profile over time and late payments potentially damaging your credit score. Payments 30 or more days past due will be reported as delinquent. Consistent on-time mortgage payments demonstrate creditworthiness and may improve your overall credit standing.