Important Notice: We are expanding our branch network and welcoming former First Foundation Bank customers to Sunflower Bank systems and services. Personal Online Banking and Mobile Banking will be offline in View Only mode to Sunflower Bank customers beginning Saturday, September 19 at 7:00 p.m. CT. Full access is expected to be restored at approximately 8:00 a.m. CT on Monday, September 21. We apologize for this temporary inconvenience and appreciate your patience as we complete this transition.
Luke Baker developed his extensive customer service skills on the links as a PGA pro for 15 years and says that his only regret is that he didn’t come to the mortgage business sooner. His passion is helping people and he leads his customers through the loan process as easily as teaching them how to improve their swing. Luke believes in educating borrowers on all their options to find the financing solution that’s right for them. He takes the stress out of homebuying and refinancing by being a good listener, being upfront about realistic possibilities, and by simply treating people with kindness. He is excited about Sunflower Bank’s groundbreaking products.
Luke’s philosophy in work and life is, “If you give 100% all of the time, somehow things work out.” He puts this wisdom to use whether he’s helping customers or outside of work playing golf, going to movies, concerts, boating, or traveling with his wife and young daughter.
MLO Success Story featuring Luke Baker
READ FULL STORYAwards & Achievements
Guardian's President's Club Recipient
2021, 2022, 2023 & 2024
Get Pre-Qualified
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!
Down Payment Assistance
Mortgage Education Center
Knowledge is an important part of making informed home financing decisions. Explore our Mortgage Education Center for insights, resources, and guidance designed to help you better understand the mortgage process.
Finance Your Dream Home
-
Whether you're a first-time buyer or an experienced homeowner, we help you find the perfect loan to match your needs and home aspirations. Learn More about Buy A Home
-
We offer expert guidance to secure a better rate or leverage your home's equity, helping you achieve your financial objectives. Learn More about Refinance Your Mortgage
-
Looking to build? We handle the financing so you can focus on managing the details and meeting deadlines. Learn More about Build A Home
-
Bring your vision to life with loan options designed for renovations and remodels.
Learn More about Renovate Your Home
What My Customers Say
Frequently Asked Questions
Whether you're purchasing your first home, refinancing, or simply exploring your options, we're here to help. Browse our frequently asked questions for helpful insights and guidance as you navigate your home financing journey.
-
Your home-buying budget is based on factors such as income, monthly debt, available assets, credit history, and current mortgage rates. During the prequalification process, we'll review your financial picture and help you understand a comfortable price range so you can shop for a home with confidence.
-
A mortgage prequalification is a great first step in the homebuying journey. By reviewing basic financial information, we can estimate how much you may be able to borrow and discuss loan options that fit your goals. It's a simple way to better understand your buying power before you start shopping.
-
In many cases, prequalification can be completed quickly after we receive the information needed to review your financial situation. We'll guide you through the process and keep you informed every step of the way.
-
Credit score requirements vary by loan program, but your score is only one part of the overall picture. We also consider factors such as income, employment history, assets, and debt. Even if you're concerned about your credit, it may be worth exploring your options.
-
The required down payment can depend upon the home loan type (Conventional, Government, Jumbo, etc.). However, we do have mortgage loan programs available that allow up to 100% financing with a minimum down payment of $500 on 1-unit properties. Some buyers may also qualify for a Down Payment Assistance (DPA) Program that will help ease the up-front cost of the down payment.
-
Documentation requirements vary by borrower, but common items include recent pay stubs, W-2s, tax returns, bank statements, and identification. We'll let you know exactly what's needed and help make the process as smooth as possible.
-
Yes. Many first-time homebuyers may qualify for programs that offer low down payment options, down payment assistance, or flexible qualification requirements. We'll help you explore available programs and determine what may fit your situation.
-
That's completely okay. Many buyers start by gathering information and exploring their options long before they're ready to make a move. A conversation can help you understand where you stand today, what steps may be needed, and how to prepare for a future home purchase.
-
Refinancing may help you achieve a variety of financial goals, such as lowering your monthly payment, adjusting your loan term, or accessing home equity. We'll review your situation and help determine whether refinancing makes sense for your needs.
-
Your monthly mortgage payment may include principal, interest, property taxes, homeowners insurance, and, in some cases, mortgage insurance. The total payment will depend on factors such as the loan amount, interest rate, down payment, and property location. We'll help you understand your estimated monthly payment so there are no surprises along the way.