Steve Howard

To all his past and present clients Steve Howard is known as the go to guyfor mortgages. But don’t take our word for it, check out the hundreds of reviews and stories that they’ve posted for him online.

Online Recommendations

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 family
 

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.

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Awards & Achievements

President's Club Logo

Guardian's President's Club Recipient

2021, 2020, 2019, 2023 & 2024


top 1% mortgage originators 2017

My Customers Have Spoken:

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
5 Star Rating
My experience was outstanding in every way. I want to express my deepest gratitude to Steve Howard and his incredible team at Guardian Mortgage, a division of Sunflower Bank, for their unwavering dedication and hard work in helping me secure my mortgage. Steve went above and beyond to ensure everything went smoothly. His professionalism, persistence, and commitment to excellence are unmatched, and I couldn’t have asked for a better partner throughout this process. I also want to extend my heartfelt thanks to Dino Camunez, Managing Director at Sunflower Bank and a dear personal friend. Dino has been an amazing resource and support in every way, always going out of his way to ensure I have what I need. His leadership, kindness, and expertise continue to make a significant impact, and I am truly fortunate to have him in my corner. To Steve, Dino, and the entire Guardian Mortgage and Sunflower Bank team, thank you for all you do. Your hard work and dedication mean the world to me, and I look forward to continuing to work with you in the future.
Ronnie
MI
January 18, 2025
5 Star Rating
Every questionor question or concer was answered with honesty respect full disclosure it was a great experience!
Marissa
AZ
January 01, 2025
5 Star Rating
Steve provided excellent support and knowledge throughout the loan process.
Manpreet
WA
October 29, 2024
5 Star Rating
Exception knowledge and customer service.
Chad
AZ
October 15, 2024
5 Star Rating
Steve and his team are awesome!
Noah
AZ
October 01, 2024
5 Star Rating
Everything!
Cindy
AZ
September 03, 2024