Sarah Pham

Title: Mortgage Loan Originator

NMLS# 621453

Location: Plano, TX

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. 

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
Attentive, knowledge and great communication.

Megan D

TX

Feb 25, 2026

5 Star Rating
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

5 Star Rating
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

5 Star Rating
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

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

Luc D

TX

Dec 25, 2025

5 Star Rating
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

5 Star Rating
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

5 Star Rating
Sarah was fantastic! Working with her and Helen, made this process so much better than we could have anticipated! As first time home-buyers that did our research, we were nervous about our options and understanding that we were making well-informed decisions during each step of the process. Fortunately, Sunflower Bank's website outlined each milestone, provided essential information, and provided easy access to documents. These digital resources were fantastic; even better, was how Sarah walked us through any questions that we had. Sarah would call us to ensure that we understood every step, document, and decision. She even made sure that we were completing things on time to help us fit our tight turnaround. We received an outstanding rate and made this process far more straightforward, clear, and honest than I possibly could have expected (especially given some of the other companies out there). I will be recommending Sarah and Sunflower Bank to anyone who asks for lender as I know that she's willing to go above and beyond for those she is helping. We're grateful for everything that she was able to do for us and will come back for any needs in the future!

Frederic C

TX

Nov 04, 2025

5 Star Rating
Sara was very attentive and on top of everything, she’s a professional and friendly and I will absolutely recommend her to anyone needing a mortgage, we loved working with her.

Teresa K

TN

Oct 18, 2025