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 and the whole staff were absolutely amazing to work with. I’ve been trying to a buy a home for 6 years and she made that goal a reality for me and my family. I cannot thank her enough for her knowledge, communication, and work ethic in making this deal happen.

Brandon S

NM

May 06, 2026

Excellent communication. Great Closing events timeline. Several items were a 'rush' at the end which could be improved. Overall very pleased.

Robert M

NM

May 06, 2026

Christine is the absolute best. Professional and attentive, takes the time to answer all my questions, reassure me, I feel so fortunate to have worked with her now twice!!! I will always work with her. She is a gem. I am so appreciative of all her hard work. She is so dedicated.

Erika B

NM

Apr 28, 2026

Everybody at Sunflower Bank has been incredible and understanding. Moving is extremely stressful, but the loan portion of our move was a breeze thanks to Christine.

Bryan H

NM

Apr 25, 2026

Excellent customer service!

Victor V

NM

Apr 24, 2026

Christine was great to work with and very responsive to all of our questions and helpful from beginning to end.

Thomas R

NM

Apr 22, 2026

It has been great working with this lender. I will definitely be recommending them to all my friends and family that are buying a house.

Zachary J

NM

Apr 16, 2026

I had an outstanding experience working with Christine Munoz, and I truly cannot recommend her highly enough. From the very beginning, she demonstrated exceptional professionalism, deep knowledge of the lending process, and a genuine commitment to helping me succeed.

Keyana M

NM

Apr 12, 2026

The customer support from Christine and her team was excellent throughout the process. Christine always followed up when I had questions/concerns, even beyond normal hours, to ensure that everything made sense and was on track.

David R

NM

Mar 24, 2026

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