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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Derek Handley


As a seasoned professional with a decade of invaluable experience in the mortgage industry. With a passion for guiding clients through the intricacies of home buying, I approach each transaction with a calculated and strategic mindset. My ultimate goal is to ensure that my clients, friends, and neighbors not only achieve their homeownership dreams but also secure the best possible financial position.

My journey in the mortgage industry followed a successful 15-year tenure in corporate IT sales and finance. Transitioning from the corporate world, I found my true calling mortgage lending, where I teamed up with my high school friend, Kevin Kostoff. This move allowed me to seamlessly integrate my financial background and expertise into a role where I can make a meaningful impact on the lives of others.

Born and raised in Littleton, I take great pride in living, working, and contributing to the future of my community. This personal connection to the area fuels my commitment to helping individuals and families navigate the complexities of the real estate market. Whether you're a first-time homebuyer or a seasoned investor, I am dedicated to leveraging my knowledge and experience to guide you toward the best possible financial outcomes.

Join me on this exciting journey towards homeownership, where I blend a decade of mortgage industry know-how with a genuine love for my community. Together, let's build a solid foundation for your financial future through the doors of home ownership.
 

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:

5 Star Rating
Derek is amazing! He took care of me like family through a very difficult transaction!
Amanda
CO
May 06, 2025
5 Star Rating
Good to work with someone so knowledgeable and personable!
Stephen
CO
March 14, 2025
5 Star Rating
Derek was always very responsive and willing to answer our questions. As first time buyers, we were thrilled with Derek and all the information he presented to us to make this process as easy as possible.
Hannah
CO
October 27, 2024
5 Star Rating
The whole process went very smoothly and efficient
Gabrielle
CO
September 30, 2024
4 Star Rating
Their professionalism , and welcoming demeanor.
Peter
CO
September 29, 2024
5 Star Rating
Derek is very detail oriented and was extremely good at explaining things related to my loan in straight-forward, simple ways. He is also very prompt in his communications and was always willing to answer any questions I had related to the loan details or process. As a first time home buyer, he made the loan process smooth and easy to understand which in turn made the home buying experience a lot more enjoyable.
Scott
CO
September 11, 2024
5 Star Rating
I would highly recommend Derek to anyone considering purchasing a home. He is very detail oriented and was extremely good at explaining things related to my loan in straight-forward, simple ways. He is also very prompt in his communications and was always willing to answer any questions I had related to the loan details or process. As a first time home buyer, he made the loan process smooth and easy to understand which in turn made the home buying experience a lot more enjoyable. For sure 5 out of 5 recommend!
Scott
September 11, 2024
5 Star Rating
Derek was wonderful to work with. Being a first time home buyer he was always available to answer any questions that we had and took his time to make sure we understood everything. He was also just a very personable and wonderful person. Enjoyed this home buying experience because he made it so easy!
Morgan
CO
August 01, 2024
5 Star Rating
Derek was great to meet and gave us good advice. Super helpful for any and all of our questions. Made this process as easy as it could be!
Thomas
CO
July 29, 2024
5 Star Rating
Derek was super easy to contact and made the experience seamless
Nicholas
CO
July 02, 2024