Sunflower Bank · Est. 1892 · Scottsdale, AZ
Sia Klaibua
Mortgage Loan Originator · NMLS# 2823225
Creative Solutions. Exclusive Programs.
Exceptional Service.
Discover My Approach →
Explore
Wherever your clients are buying, I can help. With active lending licenses in 43 states, I offer the same high-touch, relationship-level service coast to coast — backed by Sunflower Bank's full suite of exclusive mortgage programs.
43
States Licensed
Active mortgage lending licenses across 43 states, giving your clients the flexibility to purchase anywhere in the country.
$4M
Maximum Loan Amount
From starter homes to luxury estates — Sunflower Bank's jumbo programs handle loan amounts up to $4 million.
130+
Years of Bank History
Sunflower Bank has been a trusted financial institution since 1892 — stability and reliability your clients can count on.
States where I am licensed to lend
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
South Carolina
Tennessee
Texas
Utah
Virginia
Washington
Wisconsin
Wyoming
Whether your client is a first-time buyer, a veteran, a high-net-worth borrower, or an investor — I have a financing solution built specifically for their situation. Backed by Sunflower Bank's exclusive product suite, these are programs most lenders simply cannot offer.
Programs Designed to Open Doors
Down Payment Assistance
National and state-specific DPA programs that can unlock thousands in down payment help. For low-to-moderate income buyers purchasing a primary residence.
Low · Moderate Income
HomeOne® Mortgage
A low down payment option exclusively for first-time homebuyers. Fixed-rate stability with low down payment to help you start building equity sooner.
First-Time Buyer · Low Down Payment
HEROS Saver Plus Program
Up to $1,500 lender credit toward closing costs or rate reduction for everyday heroes — educators, military, EMS, firefighters, law enforcement, medical & clergy.
Everyday Heroes · Exclusive Credit
CRA 1.75% Pricing Incentive
Community Reinvestment Act incentive that reduces overall closing costs. Available for purchase or refinance on eligible properties based on geographic location.
Community Reinvestment · Closing Cost Reduction
Renovation Loans
Finance your remodel, expansion, or repairs inside your mortgage. Loan amounts based on post-renovation value. Low down payment options available.
Remodel · Repair · Expand
Builder One: Get 1% Back
Building new construction? Sunflower Bank rewards you with 1% of your loan amount as a lender credit toward closing costs. Fixed-rate and extended rate lock available.
New Construction · 1% Lender Credit
1% Credit — Lower Your Rate
This home qualifies for a 1% lender credit to lower your interest rate or reduce your cash to close. Available on Conventional, FHA, VA, USDA, and up to $5,000 on Jumbo & Agency High Balance loans. Primary, 2nd home, and investment properties eligible.
1% Lender Credit · Rate Reduction · Cash to Close
Sunflower Bank's exclusive product suite gives my clients access to programs that go far beyond what traditional lenders provide. These are relationship-level solutions designed for discerning borrowers who expect more.
Programs Designed for High Achievers
Premium Mortgage Solutions
Tailored for high-net-worth borrowers. Up to $4M loan amounts, 100% LTV to $1M with no mortgage insurance, gift funds allowed, and access to Sunflower's full wealth management suite. Min. $250K income.
High-Net-Worth · Up to $4M · Relationship Banking
Professional Loan Program
Career-based financing with elevated limits up to $2.5M. 100% financing on primary residences, no mortgage insurance, flexible underwriting. For doctors, attorneys, CPAs, engineers, architects & more.
Professionals · Up to $2.5M · No PMI
Flexible Non-QM Solutions
Bank statement loans, DSCR investor loans, asset qualification loans, and expanded credit options. Designed for self-employed borrowers, real estate investors, and those with unique financial profiles.
Self-Employed · Investors · Non-QM
Jumbo Loans
Financing above conforming loan limits for luxury properties and high-value markets. Competitive rates and flexible terms for buyers who need more than conventional programs offer.
Luxury · Above Conforming Limits
One-Time Close Construction
A single closing that covers both construction and permanent financing — no second appraisal, no second closing costs. Streamlined for those building custom homes at any price point.
Custom Build · Single Closing
Ready to Move Forward?
Start Your Application
With Me Directly.
Whether you're an agent referring a client or a buyer ready to take the next step — I'm here to make
the process seamless from day one.
For Real Estate Agents
Refer a Client
to My Pipeline
Send your client directly to my application portal. They'll complete their information securely, and I'll take it from there — keeping you in the loop every step of the way.
- Secure, bank-grade application portal
- I'll reach out to your client within the same business day
- You'll receive updates at every milestone
- Pre-approval letter issued as fast as possible
Share This Link With Your Client:
mortgageapp.sunflowerbank.com/homehub/signup/
sia.klaibua@sunflowerbank.com
Send Client to Apply →
Prefer to Talk First?
Book a quick consultation to see if we're the right fit before making a referral.
Book a Consultation
For Buyers & Clients
Apply Online —
Securely & Simply.
Start your mortgage application directly through Sunflower Bank's secure portal. I'll personally review your information and be in touch right away to discuss your options and next steps.
- Takes as little as 10–15 minutes to complete
- Bank-level encryption — your data is safe
- I personally review every application — not an algorithm
- No obligation — applying does not lock you in
- Available on mobile, tablet, and desktop
Start My Application →
Have Questions First?
Not sure which program fits you? Reach out and I'll walk you through your options.
Call Me: 650.660.9741
🔒
Secure Portal
Bank-grade encryption on every application
⚡
Same-Day Response
I personally review and respond to every application
🏛
FDIC Insured
Sunflower Bank, N.A. — founded 1892
📋
No Obligation
Applying doesn't lock you in — explore your options freely
