Ann Heinz

Title: Mortgage Loan Originator

NMLS# 360599

Location: Greenwood Village, CO

Apply With Me

Contact Me Today

Read My Reviews

Connect With Me

Ann Heinz has spent over 25 years in the mortgage industry, excelling as a business owner and loan officer. From day one, she’s been dedicated to educating customers and offering a wide range of mortgage products. 

“The greatest reward from the mortgage business over all the years has been the repeat business from customers and their referrals,” says Ann. She values the lasting relationships she builds with her customers, working closely with them to find the right mortgage solutions. 

With in-house underwriters, fast approval times, competitive rates, and a wide range of mortgage products, Ann feels Sunflower Bank is the ideal place to help customers achieve their homeownership goals. 

Ann is a third-generation Colorado native who loves daily walks through the Denver Botanic Gardens. 

Awards & Achievements

Sunflower Bank Petals of Prestige Logo

Petals of Prestige Award Recipient

2025 - Circle of Excellence Award

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

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

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.
Home

What My Customers Say

Ann was a terrific partner in our home purchase process. I appreciate her professionalism and responsiveness.

Joseph D

CO

Jan 31, 2026

It was great. It was immediately obvious that Ann is experienced and knows what she’s talking about. She made every step of the process really smooth and I always knew what was going on and what was needed from me.

Trista P

CO

Dec 23, 2025

Ann is great to work with and made the process seamless. She did an outstanding job of communicating throughout; we always knew exactly what had been completed as well as the remaining open items.

James P

CO

Oct 27, 2025

Incredible! Ann made an otherwise daunting process smooth and seamless! She communicated with us every step of the way to ensure understanding and next steps. This was our first home purchase and she made us comfortable and took time to explain the process and what would be needed to complete the loan. Would absolutely work with Ann again!

Margaret M

CO

Oct 21, 2025

Ann is amazing! She is extremely knowledgeable and anticipates any potential issue well in advance of it causing any delay. The process is always seamless and I'm grateful for her help and guidance. I will continue to work with her for any home transaction going forward.

Amy A

CO

Oct 16, 2025

INFORMATIVE, COMMUNICATIVE, PATIENT…GREAT EXPERIENCE!

John A

CO

Oct 12, 2025

Ann is amazing, she was helpful and very responsive throughout the whole process.

Darezik D

CO

Sep 22, 2025

Ann Heinz is a very thorough professional who genuinely loves to find the right solutions for her clients. She is a tireless worker who is an asset to Sunflower Bank.

Frank S

CO

Aug 31, 2025

Ann was SO fast at responding to my questions both over email and the phone. She was friendly, kind, knowledgeable, and helped me understand everything (even if it took a couple explanations). I was very supported and loved working with Ann!

Shelby H

CO

Jul 30, 2025

This is the 3rd time that we've worked with Ann Heinz to get a loan. She's efficient, informative, good explainer, and super good at communicating in a timely manner. We'll continue to use her in the future.

Steffen R

CO

Jul 18, 2025