Steve Howard

Title: Mortgage Regional Sales Manager, VP

NMLS# 997898

Location: Phoenix, AZ

To all his past and present clients Steve Howard is known as the “go to guy” for mortgages. But don’t take our word for it, check out the hundreds of reviews and stories that they’ve posted for him online.

With 30+ years of mortgage experience, he has seen it all. His love for the mortgage business started back in 1993. Steve discovered that he had four key attributes that would make the mortgage industry his calling:

He always excelled in math in school.
He has a finance and accounting background.
A work ethic that his father instilled in him.
Most importantly he simply loves to help people.

Whether it’s assisting a first-time borrower achieve their dream of home ownership or creating a refinancing plan to help a client to become debt-free. Steve looks beyond the paper to imagine each client’s scenario as if it were his own.  

Steve and his team have done it all. He’s been a loan officer, operations manager, regional production manager and even owned his own company for many years. That vast experience allows him to navigate the obstacles that can pop up in the mortgage process and ensure a smooth transaction for his clients and their families.

Whatever the challenge, Steve gives 110%. This passion comes from his desire to insure his family is provided for. His family includes three daughters, so Steve goodheartedly says that means “many trips to the mall, which is my least favorite place.” Instead, he’d rather be pursuing his favorite hobbies which include: golfing with friends, collecting classic cars, seeing movies with the kids, swimming, or going to weekend volleyball games.

You are in good hands when working with Steve Howard. 

 

Steve Howard and family

Awards & Achievements

Sunflower Bank Petals of Prestige Logo

Petals of Prestige Award Recipient

2025 - The Pinnacle Club

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
Extremely professional and helpful

Austin B

ID

Mar 03, 2026

5 Star Rating
Excellent support and responsiveness a great partner in the financing process. Very knowledgeable and agreeable!

Brian S

AZ

Feb 15, 2026

5 Star Rating
Steve is the best, he has assisted us with financing properties we’ve purchased whether for personal or investment purposes. He is exceptional at customer service and has been the person I work with for the past 20 years.

Aimee M

WA

Feb 12, 2026

5 Star Rating
Steve was very professional and very responsive, great experience

Anthony F

HI

Jan 29, 2026

5 Star Rating
Very accommodating, happy to educate, extremely responsive.

Michael M

AZ

Jan 23, 2026

5 Star Rating
Excellent...we greatly appreciated his attention to detail and quick responses. He made sure our Financial Manager was satisfied with the terms of the mortgage.

Richard F

CA

Jan 20, 2026

5 Star Rating
Outstanding

Kevin M

AZ

Jan 05, 2026

5 Star Rating
Steve is excellent. Always honest and tries to do the best for us.

Scott C

AZ

Dec 21, 2025

5 Star Rating
Steve is awesome and helps you thru the process the whole way. Couldn’t ask for a better agent.

Chadley R

ID

Dec 18, 2025