Ann Heinz

Title: Mortgage Loan Originator

NMLS# 360599

Location: Greenwood Village, CO

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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. 
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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!
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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.
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What My Customers Say

Ann is the best. Constantly kept us updated and explained to us what was needed when and in a way that we understood. So pleasant to work with. Ann sets the bar so high I really don’t think others can come close. When moving home it’s stressful but Ann makes it easier and with her you know there’s nothing to worry about. Ann is a true trusted advisor and a credit to the mortgage industry.

Paul A

CO

Jun 12, 2026

Ann was terrific. Professional, knowledgeable and great communicator. Was always available to answer our questions and keep the process on track.

Anthony G

CO

Jun 03, 2026

I appreciated the immediate communication and follow up.

Michael B

CO

May 24, 2026

Ann and her team are great!

Michael M

CO

May 20, 2026

Ann is a great and trusted resource, she is timely in communication and worked with us to make closing on our house as easy as possible.

Alec B

CO

May 20, 2026

I could not be more impressed or satisfied with my entire experience. Ann guided me through the process impeccably and was incredibly responsive to any and all questions.

Stephanie C

CO

May 06, 2026

Ann Heinz was extremely responsive and thorough. No questions were too trivial for her. She treated us with respect and we felt heard whenever we talked to her. It was a pleasure to do business with Ann and Sunflower Bank.

Jason R

CO

May 05, 2026

Ann is excellent. Her knowledge made the process faster and smoother. It never felt like a transaction. It felt like she genuinely wanted the best outcome.

Rocco L

CO

Apr 07, 2026

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