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Sarah Pham

Title: Mortgage Loan Originator

NMLS# 621453

Location: Plano, TX

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Sarah Pham has helped many people achieve their goal of homeownership through her years of experience. Whether you are a first-time homebuyer or refinancing an existing loan, Sarah has a solid understanding of the real estate market and what it takes to close your loan with efficiency and expertise. Integrity is the cornerstone of Sarah’s business. She believes a mortgage should be about building relationships and helping her customers achieve their home financing goals, not just a transaction. She takes a consultative approach to the home loan process by customizing each home financing solution. 

Whether you want to buy a house, build your dream home or refinance your existing mortgage, we can help you find the financing solution that is right for you. A proven mortgage professional, Sarah's attention to detail will ensure your mortgage process runs smoothly.

Outside of work, Sarah enjoys spending time with her family and traveling. 

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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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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

She is the utmost professional, someone that felt like a trusted partner through the process, not just another client. Sarah provided clarity and transparency throughout the loan approval process

David W

TX

May 24, 2026

Sarah made the process very smooth

Angel R

TX

Apr 25, 2026

I had such a great experience working with Sarah and Sunflower Bank. As a first-time homebuyer, she walked me through every step and always made sure I knew exactly what was going on. She was so kind, patient, and genuinely fun to work with, which made the whole process feel so much less stressful. Buying your first house can be overwhelming, and she made it feel easy and exciting. I would definitely recommend her to anyone looking for home financing.

Lindsey G

TX

Apr 03, 2026

Attentive, knowledge and great communication.

Megan D

TX

Feb 25, 2026

Sarah is fantastic to work with, is transparent and is always enthusiastic and available. She's does her research and comes to the table informed, ready to answer your questions. It was overall a very positive experience to work with Sarah

Douglas B

TX

Feb 20, 2026

Sarah Pham is awesome! She was a great help to us. She answered any questions we had, and was always there to run numbers on a house that we were interested in. I would definitely recommend her to anyone looking for home financing.

Allison W

TX

Feb 13, 2026

Truley it was such a pleasure working with Sarah. Every step of the way she was right there and she put up with all my 8 million questions with no problems. This purchase was a tremendous move for my family. I am very grateful I had someone like her to guide me through the process.

Shawn W

TX

Feb 11, 2026

Sarah is very patient and experienced. Will definitely hire her again and refer her.

Luc D

TX

Dec 25, 2025

We had a great experience working with Sarah Pham and Sunflower Bank. It was by far the best experience we’ve had with a mortgage professional. Sarah was knowledgeable, responsive, and made the entire process smooth and stress-free. She took the time to explain everything clearly and was always available when we had questions. We would highly recommend Sarah and Sunflower Bank to anyone looking for home financing.

Jayson O

TX

Dec 18, 2025

Sarah Pham is a rare treasure and a true jewel to work with. I can’t sing her praises high enough.

Audrey P

TX

Nov 06, 2025