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

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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. 
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
the cmmunication with Steve and Christy Joseph!

James

AZ

June 27, 2025

5 Star Rating
Steve was responsive, helpful and gave us good advice and prompt information for us to be able to close our loan in a timely manner.

Heather

AZ

June 19, 2025

5 Star Rating
He was efficient and made things sumple

Jessica

AZ

June 13, 2025

5 Star Rating
Lots of communication portal is helpful, steve pushed to get items closed out and was clear on dates and expenses.

Jonathan

AZ

June 09, 2025

5 Star Rating
This was hands down the moat professional and seamless experience of my career in real estate. Steve did a phenomenal job and I will recomned him to anyone I know is buying a house. Thank you so much.

Mitchell

AZ

May 30, 2025

5 Star Rating
Simple easy no surprises

Kevin

AZ

May 29, 2025

5 Star Rating
Steve is attentive & pays attention to detail. I really enjoy working with him and would definitely recommend him to anyone looking for a loan!

David

AZ

April 22, 2025

5 Star Rating
Everything went pretty smoothly

Matthew

WA

February 25, 2025

4 Star Rating
good straight forward experience

Thomas

AZ

February 11, 2025

5 Star Rating
I've done at least 6 mortgage loans in my lifetime. Considering the complexity of my finanicals I found working with Guardian Mortgage team was a seamless process compared to other banks. KUDOS to the team!

Amad

CA

February 05, 2025