Derek Handley

Title: Mortgage Loan Originator

NMLS# 976722

Location: Greenwood Village, CO

As a seasoned professional with a decade of invaluable experience in the mortgage industry. With a passion for guiding clients through the intricacies of home buying, I approach each transaction with a calculated and strategic mindset. My ultimate goal is to ensure that my clients, friends, and neighbors not only achieve their homeownership dreams but also secure the best possible financial position.

My journey in the mortgage industry followed a successful 15-year tenure in corporate IT sales and finance. Transitioning from the corporate world, I found my true calling mortgage lending, where I teamed up with my high school friend, Kevin Kostoff. This move allowed me to seamlessly integrate my financial background and expertise into a role where I can make a meaningful impact on the lives of others.

Born and raised in Littleton, I take great pride in living, working, and contributing to the future of my community. This personal connection to the area fuels my commitment to helping individuals and families navigate the complexities of the real estate market. Whether you're a first-time homebuyer or a seasoned investor, I am dedicated to leveraging my knowledge and experience to guide you toward the best possible financial outcomes.

Join me on this exciting journey towards homeownership, where I blend a decade of mortgage industry know-how with a genuine love for my community. Together, let's build a solid foundation for your financial future through the doors of home ownership.
 

Family of 4 moving into home carrying boxes

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
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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!
Get My Custom Mobile App Link
Calculator on table with pen and laptop

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

5 Star Rating
Top notch team.

Valentin S

CO

Mar 27, 2026

5 Star Rating
Very easy to work with. Answered all my questions and I felt like I was in good hands from start to finish. Thank you for supporting me and making the process very smooth.

Susan H

CO

Mar 14, 2026

4.8 Star Rating
Derek was a tremendous help and always available to help through the lending process. 10/10 would recommend to others.

Brett F

CO

Mar 07, 2026

4.8 Star Rating
Extreme proactive, great communications and knowledge. Quick response and very professional. The office was fantastic if we needed additional information as well. Highly recommend Derek and his services.

John B

CO

Feb 25, 2026

5 Star Rating
Extremely professional, personable and competent. Excellent communication.

Shannon A

CO

Feb 18, 2026

5 Star Rating
Derek was awesome. I had no issues whatsoever moving through the lending process. Derek and his team were constantly on top of things and kept me notified immediately as things developed.

Michael H

CO

Feb 14, 2026

5 Star Rating
It was a great pleasure working with Derek and Sunflower Bank. Derek was caring and answered all my questions. I would highly recommend Derek and Sunflower Bank for your mortgage needs.

Susan S

CO

Feb 07, 2026

5 Star Rating
This was our second time working with Derek and his team and they are amazing! Derek is easy to work with, he’s patient, answers all questions, and makes sure you understand absolutely everything about the process. We were kept up to date every step of the way. I would recommend Derek to anyone.

Sarah T

CO

Nov 28, 2025

5 Star Rating
Derek is the best. Wouldn't go to anyone else.

Kelley B

CO

Nov 05, 2025