The Benefits of Relationship Lending

platinum elite

You know the old saying, it pays to have friends? Well, in the world of home mortgages, it pays to be friends with your bank. Specifically, Sunflower Bank or First National 1870. On top of exceptional customer service and decades of experience, as a division of Sunflower Bank, Guardian Mortgage offers a range of benefits and exclusive financing with our Platinum Elite 100 loan for customers with an existing banking relationship at either one of those banks.

Exclusive Financing

Customers with an existing banking relationship are eligible for up to 100% financing1 on their primary residence along with purchase, rate and term refinancing options. You’re also allowed to put gift funds toward your down payment as long as you’ve put down at least 5% of your own money.

Eligible Properties

There’s a range of eligible properties for our Platinum Elite 100 program including, single-family primary residences, planned unit developments (PUDs), condos (warrantable to FNMA guidelines), non-warrantable condos with restrictions2, and up to 10 acres of land. It is always best to check if your specific property type has any conditions on restrictions within the loan programs.

Banking Relationship

There are several ways to qualify for Guardian Mortgage’s Platinum Elite 100 loan program, but they all require an existing or new relationship with Sunflower Bank or First National 1870. If you use either bank for wealth management*, personal banking, banking or treasury management services for a business you own, then you’re eligible to reap the benefits of our relationship program. Plus, you'll enjoy the convenience of having all of your banking services under one roof. 

So, as you can see, it certainly does pay to have a bank that is in your corner, just like a friend. If you’re already banking with Sunflower Bank or First National 1870 and have mortgage needs, Guardian should be the first place you look. You’ll enjoy the benefits of our relationship program, the convenience of having one institution handling all of your financial needs—and our top tier customer service. If you have more questions or want to apply for a mortgage, our Guardian Mortgage professionals are always ready to help.

Looking to start a banking relationship?


Already have a banking relationship?

*Investment and insurance products are not FDIC-insured, are not a deposit or other obligation of, or guaranteed by the bank or an affiliate of the bank, are not insured by any federal government agency and are subject to investment risks, including possible loss of the principal amount invested.‚Äč

1Up to $1.5 million. 2Maximum LTV is the lesser of 80% or the LTV as specified by the loan program. Any one or more of the listed services. The Platinum Elite 100 program is extended to clients who have an existing business or personal banking relationship with Sunflower Bank or First National 1870, a division of Sunflower Bank, N.A. We will provide lending for primary residences outside of Sunflower Bank’s eligible areas (excluding New York and Florida), if Guardian is authorized to originate and service the loan in the subject property state. Program eligible in CO, NM, AZ, MI, TX, MO, KS, WA, CA (select areas/counties). Consult your Guardian Mortgage loan originator for details. Certain terms and restrictions apply. Program available only to qualified borrowers. Program subject to change without notice. Underwriting terms and conditions apply. Loan subject to credit review and approval. First National 1870 and Guardian Mortgage are divisions of Sunflower Bank, N.A., NMLS# 709491.