Home Loans

couple relaxing after moving into their new home

Home Loans

Turning Your Dream Home Into Reality 

There’s no place like home, and no place like Sunflower Bank when you’re ready to buy! We’re delighted to help you buy a new home or refinance your existing home.
If you’re buying, today’s fast-moving real estate market makes it more important than ever to get pre-qualified for a loan before you find your dream house. We’ll connect you with our team of experienced lending professionals at Guardian Mortgage, our mortgage division. The pros at Guardian will help you choose the best loan option for you – and there are a lot of choices, whether it’s your first home or your dream home.

We’ve Done the Homework

Our experience is your advantage. Our lending professionals are with you each step of the way, listening to your hopes and answering your questions. Then, they provide mortgage loan options that meet your needs, with competitive rates and terms designed to work best with your financial goals.

Fixed Rate Mortgage Loans (FRM) – Conforming or Non-Conforming (Jumbo) or Government (FHA/VA) With fixed rate mortgage loans, you can enjoy the same interest rate and monthly principal and interest payment throughout the entire term of the home loan. Financing with a fixed rate mortgage loan provides stable, predictable payments.
  • Plan to stay in your home for a longer period of time
  • Have an established credit history
  • Are on a fixed income
  • Enjoy a predictable payment
  • Purchasing a home when rates are low
Adjustable Rate Mortgage Loans (ARM) – Conforming or Non-Conforming (Jumbo) After the initial fixed-rate period, the remainder of the home loan term is divided into adjustment periods of 1 year. Each year the interest rate will adjust based on the following three parameters – index, margin, rate cap.  The new rate will be the Index, added to the Margin, and rounded to the nearest 0.125%. This new rate is subject to the Rate Cap and cannot exceed this cap for its adjustment. Libor Indexed: One-Year, 3/1, 5/1, 7/1, 10/1, and 15/1 ARMs available.
  • Plan to move in a few years
  • Have an established credit history
  • Looking for a lower monthly payment in the short- term
  • Purchasing a home when rates are relatively high
First Time Home Buyers Loan – FHA Loans Insured by the Federal Housing Administration (FHA), the loan is fully amortized over a 15 or 30-year period and features constant monthly payments.
  • Need a lower down payment
U.S. Department of Veterans Affairs – VA Loans The U.S. government’s VA home loan program may be used to buy a home or condominium, to refinance an existing home loan, or to build a new home or to install energy-saving improvements. Special programs also exist for Native American veterans. Veterans or active duty personnel can apply for a VA loan via approved private lenders, such as Guardian Direct. The Department of Veterans Affairs (VA) guarantees qualified loans, which allows lenders to provide veterans and service members with low-cost loans containing some great features often not available to the general public.
  • You are an active military member or veteran
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.
USDA Rural Development Loans This U.S. Department of Agriculture (USDA) sponsored program assists approved borrowers by providing low- and moderate-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas. Eligible applicants may build or improve a dwelling in an eligible rural area. This government sponsored program is designed to “improve the economy and quality of life in rural America.” It offers low interest rates and no down payments.
Jumbo Loans (Fixed or ARM) Non-Conforming mortgage loans are standard mortgage loans secured by a one-to-four family residential, first lien mortgage but have a loan balance greater than conforming mortgage loan limits. Just like regular mortgages, Jumbo loans are available in fixed or adjustable varieties, but generally require a larger down payment, better credit scores, and lower debt-to-income ratios.
  • You are purchasing a more expensive home
  • You need to borrow more than $453,100 which exceeds the base conforming loan limit
  • Have an established credit history

Lock and Shop

Protect yourself from unpredictable market swings. With Lock and Shop offered by Guardian Mortgage you can lock in your rate for up to 90 days.