Fred Phillips

Title: Mortgage Loan Originator

NMLS# 728764

Location: Phoenix, AZ

For almost 20 years, Fred Phillips has been turning his customers’ home financing dreams into reality. He is a problem-solver by nature, so being in the mortgage business is a perfect fit for his skills. He takes pride in helping people achieve financing they thought would be difficult. Fred is passionate about helping people make informed decisions – and he’s proud of the great options and servicing that Sunflower Bank provides its clients. Fred’s goal is to “ensure that all customers have a world-class experience when buying or refinancing a home” and he certainly accomplishes that.

When not at work, Fred enjoys golfing at every opportunity and spending quality time with his family. He shares the philosophy of Arthur Ashe, “Start where you are. Use what you have. Do what you can.”

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.
Home

What My Customers Say

5 Star Rating
Excellent. I plan on recommending Fred to my friends and relatives who are looking for a home loan. Excellent customer service

Jerlyn W

MO

Mar 21, 2026

5 Star Rating
Fred is the best

Charles H

KS

Mar 18, 2026

5 Star Rating
As a first time home buyer Fred was super helpful in explaining the loan process and different options for financing. He was super communicative and checked in routinely throughout the process making it a low stress experience!

Samantha H

AZ

Feb 25, 2026

4.7 Star Rating
Outstanding work and there when you need him! Fred has displayed phenomenal work and helped me tremendously with this process and I can’t say thank you enough to him!

Anthony W

MO

Feb 05, 2026

5 Star Rating
Fred is awesome to work with! Very communicative and helped answer every question along the way. I’d highly recommend him and will work with him again for any future needs.

Maria E

AZ

Dec 16, 2025

5 Star Rating
Fred was professional, knowledgeable, and efficient throughout my purchase. He kept me informed, followed up promptly, and made the process easy. I’ll definitely use him again and have already referred others to him for financing.

Jenice W

AL

Nov 28, 2025

5 Star Rating
Fred is efficient, knowledgeable, friendly, and responsive.

Carlita S

AZ

Nov 14, 2025

5 Star Rating
Fred was very patient and understanding. Communicated well and kept me in the loop. Went above and beyond to help me understand my previous loan and some of the oddities of my previous experience.

Arnold O

AZ

Oct 30, 2025

5 Star Rating
Excellence service and very fast!

Les B

AZ

Oct 02, 2025

5 Star Rating
My loan officer Fred Phillips was amazing! Super helpful, always available to answer my questions, and made the whole process so much easier than I expected. I really felt like they cared about finding the best option for me. Highly recommend

Catherine M

AZ

Sep 30, 2025