Steve Howard Branch Manager Phoenix, AZ Sunflower Bank

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 25 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 ages 3, 13, and 20, 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

Start Your Homebuying Journey with Confidence

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
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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

5 Star Rating
Steve was amazing to work with- he anticipated our needs & ensured we got the best rate possible . The communication from Steve & his office made this a very smooth process! Outstanding customer service!

Laura

AZ

July 11, 2025

5 Star Rating
Steve Howard and his team did an amazing job of moving the process along briskly. At times Steve was able to give great advice on a few key points. Would absolutely use Steve and his group again!

Ian

WA

July 10, 2025

5 Star Rating
Steve was always there for any questions, great customer seroce service and always made sure everything was done when he let me know.

Victoria

AZ

July 01, 2025

5 Star Rating
I have worked with Steve in the past and I will in the future.Steve is by far the best Mortgage Advisor I have ever worked with.He knows his products and steers you in the proper direction to fit your needs. He makes the Mortgage process as smooth as it can be.I would highly recommend Steve Howard to anyone looking for a Mortgage Professional.Patrick HastingsCave Creek, AZ

User9732365

AZ

October 05, 2015

5 Star Rating
As a first time home buyer, I thought it was going to be a daunting, intimidating experience. Steve was very kind, taking the time to check in on me and answer every possible question I had. By the time I had to sign the paperwork, I felt prepared knowing everything I need to be successful home buyer.

Vleister24

AZ

September 28, 2015

5 Star Rating
We needed a quick close on a lake house and Steve was able to provide us with services necessary to get our deal done. His expertise, professionalism, advice, and timeliness were extremely helpful and appreciated!

Cthorntonaz

WA

September 06, 2015

5 Star Rating
Steve was very professional yet personable to deal with. We provides a complete range of options and possible outcomes. His extensive knowledge of the home loan experience is very obvious. Steve's was always very quick to respond to our questions or concerns with timely and accurate information. We highly recommend him as a mortgage specialist and a great person to deal with.

D

WA

August 28, 2015

5 Star Rating
My husband and I were trying to purchase property in Hawaii. We first went to a local bank that we had dealt with before. What a mistake. After 2 months of being told we couldn't lock in a rate and wanting one thing or another, we decided to find another lender. Steve Howard was referred to us by a business associate. He not only was able to lock in an interest rate immediately, but he was able to close the loan in a little over 30 days. He and his staff were very professional, helpful and most importantly, they took care of business. I can't say enough good things about Steve and his associate, Chris. They were such a pleasure to work with and we will definitely use their services again.

Ckuchida

August 14, 2015

5 Star Rating
When two other banks over the past year couldn't get a HELOC on my residential property I was referred to Steve Howard. One phone call to Steve explaining the circumstances and what we wanted to do and we were off to the races. His knowledge, responsiveness and follow through was second to none and I honestly don't think anybody else could have got this deal done. I highly recommend Steve and Home Street Bank to anyone for all their mortgage needs. J.C. FrandsenFrandsen Real Estate

John

WA

July 23, 2015

5 Star Rating
I cannot say enough good things about Steve Howard. Since 2007, We have used him for 2 mortgage loans and recently on a refinance (to fund a major remodel). He makes everything very easy, is extremely professional, and always gets back to you in a timely fashion whenever questions/concerns arise. On the refinance, we 1st started working with our credit union, but immediately reached out to Steve instead when the other bank's process became too convoluted. Would definitely recommend him to friends and family.

Jessevalle

AZ

July 17, 2015