Exciting news! Guardian Mortgage is rebranding under the Sunflower Bank name. Over the coming weeks, you’ll begin to see the Sunflower Bank brand in your mortgage-related emails, statements, and other communications. Check our FAQ page:

Learn More

Ann Heinz

Request an Appointment

Apply Now

Ann Heinz has spent over 25 years in the mortgage industry, excelling as a business owner and loan officer. From day one, she’s been dedicated to educating customers and offering a wide range of mortgage products.

“The greatest reward from the mortgage business over all the years has been the repeat business from customers and their referrals,” says Ann. She values the lasting relationships she builds with her customers, working closely with them to find the right mortgage solutions.

With in-house underwriters, fast approval times, competitive rates, and a wide range of mortgage products, Ann feels Sunflower Bank is the ideal place to help customers achieve their homeownership goals.

Ann is a third-generation Colorado native who loves daily walks through the Denver Botanic Gardens.

Down Payment Assistance Programs from Guardian Mortgage

Guardian Mortgage is pleased to offer our customers several Down Payment Assistance options. Visit my portal to find the resources that are right for you.

FIND DOWN PAYMENT ASSISTANCE

My Customers Have Spoken:

Ann made the whole process very easy with clear instrucitons and a proactive approach. She is a tru professional and excellent at what she does.

Derek

April 22, 2025

Ann responded to all of our questions in a timely manner. It was much appreciated.

John

April 16, 2025

There was a lot of paperwork to review and respond to. Anne was there at every step. Thanks to Anne, we were able to get things accomplished.

Joanne

April 16, 2025

Ann was very informative and great to work with throughout the whole process.

Christopher

March 26, 2025

Ann Heinz was the reason.

Brian

March 15, 2025

Ann made the entire loan process easy and we were definitely well informed every step of the way. She is efficient, knowledgeable, professional and friendly. Dedicated to her profession. Thank you Ann!!

Julius

March 13, 2025

Ann kept us in constant communication with updates, was responsive to our questions or concerns, went WAY beyond our expectations and made the entire process incredible. She is a true gem!!

Sandra

March 08, 2025

Ann was on it from the moment we connected with her, she was helpful efficient and always available. Loans and home purchasing is a stressful time and it was nice to know Ann was always communicating and involved

Jordan

February 17, 2025

Ann was always available to help answer questions and accomodated to multiple changes during the closing process. I do feel that Ann was looking out for our best interest throughout the process and eventual closing.

Bryce

February 14, 2025

Ann is absolutely AMAZING . I had a very short closing (16/17 days) and Ann was vital in getting this across the finish line. She is extremely knowledgeable and anticipated issues that could have delayed the process. I will consistently use and refer her for all future mortgage financings.

Amy

February 10, 2025