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:
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Christine Munoz

Christine Munoz

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With over 20 years of industry experience, Christine brings a wealth of expertise and a commitment to excellence to the role of Mortgage Branch Manager for the Santa Fe Market. Known for a hands-on approach and a deep understanding of local real estate dynamics, Christine has successfully guided countless families and business owners through the complexities of financing their dreams.

Throughout her career, Christine has built a reputation for transparent communication, innovative problem-solving, and a dedication to personalized service. She works closely with clients to tailor mortgage solutions that not only meet their immediate needs but also support long-term financial stability and growth. 

When not working, Christine is actively involved in community initiatives that focus on financial literacy and housing affordability, reinforcing a career-long commitment to enhancing the well-being of the Santa Fe community.
 

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:

clear And honest help throughout the whole process
Aniceto
NM
June 10, 2025
Good communication, even with some misunderstandings on my part and some weirdness with our transaction. She also went out of her way to make things work for our personal situation. Excellent job.
Devin
NM
June 03, 2025
Communication. Response. Clarity
Eric
NM
June 01, 2025
Very responsive and patient!
Katherine
NM
May 10, 2025
Liked the continued updates and quality of mortgage options made available.
Donald
NM
May 01, 2025
Christine was extremely communicative and we always knew what stage of the process we were in. It was reassuring to work with her through the closing process!
David
NM
April 24, 2025
The whole process was smooth, which is extra impressive given the extremely short time to close.
Michael
NM
April 19, 2025
The team was great! They worked fast and efficiently to make our house buying experience easy!
Jordan
NM
April 19, 2025
Low cost for lower interest rate yielding lower payments and saving lots of money over term. She made it easy.
Marvin
NM
April 17, 2025
Christine Munoz was amazingthis this was my first time going through this experience and she took her time to explain everything and in a way I was able to understand. she made her self available anytime i had a question or trouble filling things out . I called her after hours and on the weekend. She went above and beyond to take care of meeting our deadline for the closing. I would 100% go back to Her if I am in need of another home loan.
Brandon
NM
April 10, 2025