Mortgage Customers:Please note that you may receive your Escrow Analysis twice - once as a standalone document and again bundled with your Year-End Statements. The Escrow Analysis statements are identical, and no further action is required by you.

Christine Munoz

Title: Mortgage Branch Manager

NMLS# 699785

Location: Santa Fe, NM

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With over 20 years of industry experience, Christine brings a wealth of expertise and a commitment to excellence to the role of Mortgage Branch Manager for the Santa Fe Market. Known for a hands-on approach and a deep understanding of local real estate dynamics, Christine has successfully guided countless families and business owners through the complexities of financing their dreams.

Throughout her career, Christine has built a reputation for transparent communication, innovative problem-solving, and a dedication to personalized service. She works closely with clients to tailor mortgage solutions that not only meet their immediate needs but also support long-term financial stability and growth. 

When not working, Christine is actively involved in community initiatives that focus on financial literacy and housing affordability, reinforcing a career-long commitment to enhancing the well-being of the Santa Fe community.

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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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!
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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!
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.
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What My Customers Say

Christine was extremely helpful and made the process the easiest I have ever experienced. Also, she helped me with many aspects of the title work, diligence work, etc that I didn’t expect. She really went above and beyond, and I appreciate her dedication to her profession.

Terry W

NM

Mar 12, 2026

Christine and all the other staff were awesome during the whole process.

Ward R

NM

Mar 06, 2026

Christine was so helpful! She made herself very available for my questions and helped me look at all my options so that I could make the best decisions for my family.

Bridget L

NM

Mar 02, 2026

FANTASTIC. Could not have been any better. As always, Christine has been absolutely amazing.

Logan Y

NM

Feb 25, 2026

Christine was very clear and supportive every step of the way. It was my first experience with a mortgage, and she was always available to answer my questions. I would recommend her very highly!

Lisa S

NM

Jan 24, 2026

Christine and her team was exceptionally great! Everybody was very pleasant to work with and they made the home buying process a breeze. I would recommend her to anybody. Thank you Christine and team!

Derek S

NM

Dec 22, 2025

Christine made a difficult process incredibly streamlined and simple. She answered any questions promptly and professionally. 10/10 would recommend.

Jimmy C

NM

Nov 24, 2025

Our experience with Christine Munoz and Sunflower bank was exceptional the first day we made contact. Each and every moment and in between was very professional and positive. Christine gave us the best advice and always sent us important information way ahead of time and she was available basically 24/7. We were able to find a home, put an offer on it, and close in 4 weeks. The combination of Christine Munoz and Sunflower Bank were unmatched and we are so happy with our new home. Thank you to Christine and Sunflower Bank.

Lori S

NM

Oct 18, 2025

She was very helpful and she was available by phone which helped us get through some concerning times from another Leander. She was very wonderful.

Travis B

NM

Oct 05, 2025

Wonderful at keeping me up to date; clear communication!

Deborah D

NM

Sep 29, 2025