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Resource Articles
Our Resource Center provides education on personal and business financial topics, information on online security and fraud prevention, and articles from leaders at Sunflower Bank.
For more resources, check out our Financial Glossary
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Personal - Mortgage Resource Center
Understanding Mortgage Interest Rates, Costs, and Fees
Mortgage interest rates and closing costs play a significant role in determining the total cost of homeownership, yet they’re often some of the most misunderstood parts of the process.
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The Mortgage Application and Closing Process: What to Expect
Once you’ve selected your loan and found the right home, the mortgage application and closing process brings everything together. While this stage involves documentation, underwriting review, and coordination with third parties, understanding what happens at each step can help reduce stress and keep your transaction on track.
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Personal - Mortgage Resource Center
Refinancing Your Mortgage: When and How It Can Make Sense
Refinancing can be a powerful financial tool, but it isn’t the right move in every situation. Whether you’re looking to lower your interest rate, reduce your monthly payment, eliminate private mortgage insurance, shorten your loan term, or tap into your home’s equity, understanding how refinancing works is essential to making an informed decision.
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Market Commentary
Weekly Market Commentary: Stocks Hit All-Time Highs as Middle East Tensions Ease
4/20/2026: Equities reached fresh all-time highs last week as diplomacy in the Middle East showed signs of progress.
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Personal – Saving, Planning & Budgeting
The Five Biggest Myths About Credit Scores
Credit score myths cause costly mistakes. Understanding the facts helps people build stronger credit through responsible use and better financial decisions.
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Market Commentary
Weekly Market Commentary: Markets Rally on Iran War De-escalation
April 13, 2026: Global markets rallied sharply last week after dire escalation threats in the Iran conflict from the Trump Administration failed to materialize, giving way instead to a fragile ceasefire.
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Personal – Saving, Planning & Budgeting
How to Save for an Emergency Fund on a Tight Budget
An emergency fund is money you save and set aside that’s specifically for unplanned expenses or financial emergencies. Examples of emergency needs include car repairs, home repairs, medical bills, or a loss of income. Think of it as money outside of your normal spending and savings that are accessible in a pinch.
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How Much Should You Really Be Spending on Housing in 2026?
In 2026 housing affordability is improving slightly but the best approach is spending about 25 to 35 percent of income while protecting savings and long term financial stability.
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Choosing the Right Credit Card for Your Needs
Choosing the right credit card in 2025 lets you earn rewards, build credit, and manage finances—match your card to goals, habits, and credit for maximum benefit.
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