CEO & Mortgage Advisor · SunnyHill Financial
Mortgages, handled with an expectation of excellence.
I'm Tyler Flora — CEO and mortgage advisor at SunnyHill Financial. Seeking to deliver the highest level of customer service with competitive rates in the mortgage industry.
Tyler Flora
CEO & Mortgage Advisor
Experience shaped at
- Quicken Loans
- Sindeo
- Clara Lending
- Agora Lending
- Quicken Loans
- Sindeo
- Clara Lending
- Agora Lending
About Tyler
The loans others turn down are the ones I specialize in.
“Be a yardstick of quality. Some people aren't used to an environment where excellence is expected.”
- NMLS
- #938852
- Founded SunnyHill Financial
- 2018
- Licensed in 21 states
- ALAZCACOFLGAIAILLAMDMIMNNCNVORPATNTXVAWAWI
Hi! Tyler Flora, SunnyHill Financial's CEO, here.
My academic background is in the biomedical and health sciences, and up until I made the decision to enter the mortgage industry I was considering working in a science-related field. In my career in mortgages I've worked with numerous companies — Quicken Loans, Sindeo, Clara Lending, and Agora Lending — and discovered a true enthusiasm for home loans, company building, and finding a better way to help clients accomplish their goals.
I founded SunnyHill Financial with the simple idea that if we built a company that had great rates, consistent client service, and closed loans quickly, clients would be happy — which turned out to be correct.
I specialize in finding creative solutions for extremely tough loans and client situations. To identify the finest financing possibilities, I take on challenging loans that have been rejected by others and work with our fantastic roster of lender partners. We at SunnyHill Financial look forward to assisting you with your next mortgage.
- 01
Great rates
A deep roster of lender partners means real options, not a single menu.
- 02
Consistent service
Every file gets a direct line to me — not a call center.
- 03
Fast closings
Loans that close quickly, with no surprises at the table.
Services
Financing for every chapter of home ownership.
Whether you're buying your first place or refinancing your fifth, the approach is the same: competitive rates, honest advice, and a process that respects your time.
Home Purchase
Fast, competitive pre-approvals that make your offer stand out — and a closing timeline sellers trust.
Refinance
Lower the rate, shorten the term, or pull equity — modeled against your real numbers, not a rate sheet.
Jumbo Loans
High-balance financing for Bay Area homes, with lender relationships that understand complex income.
Investment Property
Conventional, DSCR, and portfolio options for investors building long-term cash flow.
First-Time Buyers
Down-payment strategies, program eligibility, and step-by-step guidance from day one.
Rate Strategy
Lock, float, or buy down? Clear, data-backed advice on timing the market for your loan.
Client reviews
Near-perfect marks, across every platform that matters.
SunnyHill Financial averages close to five stars across the major real estate and financial review sites — for rates, communication, and closing speed.
4.9
Average rating across major platforms
Near five stars for customer service, communication, and closing speed.
- Zillow
4.96
500+ reviews
- Google
5.0
Near-perfect marks for service and communication
- Bankrate
5.0
Top marks for closing speed
- Yelp
4.2
Local client feedback
Competitive rates
Borrowers frequently report lower interest rates and more attractive APRs than traditional retail banks.
Responsive service
Consistent praise for guiding clients smoothly through difficult purchases — including complex VA loans.
Fast digital tools
Online application, e-signing, and a tracking portal make the remote mortgage process quick and simple.
Ratings reflect publicly posted client reviews of SunnyHill Financial and are subject to change.
In their words
What SunnyHill Financial clients say.
“Our experience with SunnyHill far exceeded our expectations. The process was clear, simple and quick. Communication was great and all of our questions were answered very quickly. We will definitely recommend SunnyHill to all our friends and family.”
“The team was very easy to work with, proactive, and professional. Made what can be a challenging process feel very manageable.”
“This team knows VA loans, is responsive, and gets it done on everything from initial information to underwriting to closing day.”
“Even though this was a short sale process, I really appreciate the professionalism of this team and their quick response to everything, while making me feel very sure that I was able to trust them. Thank you all so much for helping me get into my retirement home. Excited!”
Process
Simple by design. Thorough by habit.
Four steps, one advisor, zero hand-offs.
- 01
Discovery call
A 20-minute conversation about your goals, timeline, and finances. No credit pull required to get started.
- 02
Strategy & pre-approval
I shop your scenario across lenders and present the strongest options with rates, costs, and trade-offs side by side.
- 03
Processing & underwriting
A single point of contact through the entire file. You always know what's needed, what's done, and what's next.
- 04
Clear to close
Final numbers reviewed together before signing — no surprises at the table.
Ventures
Companies I've built to serve the whole journey.
Financing, real estate, rate intelligence, and lead generation — designed to work together.
- CEO & Founder
SunnyHill Financial
Founded in 2018 on a simple idea: great rates, consistent client service, and fast closings. NMLS #1708856.
sunnyhillfinancial.com - CEO
SunnyHill Realty
Residential real estate brokerage pairing seamlessly with financing so buyers move from offer to keys with one team.
sunnyhillrealty.com - Founder
RateDiver
A rate-discovery platform that helps borrowers see where they stand before they commit.
ratediver.com - Founder
MyLeadBuy
Exclusive mortgage leads delivered in real time — each lead sold to only one loan officer, via marketplace or subscription.
myleadbuy.com
Press & Insights
Thinking out loud about where the industry is headed.
Interviews, webinars, and independent coverage of SunnyHill Financial.
- Article
Broker foresaw challenges, focusing on purchase market
Mortgage Professional America
By Tony Cantu · October 2022
- Webinar
How to Win with Non-Delegated Correspondent
National Mortgage Professional
Key insights on the model and fulfillment solutions · September 2022
- Podcast
Tyler Flora, The Thinker, and the Mortgage Broker Turned Mortgage Banker
NMP · Build a Broker Journey
Interview
- Review
SunnyHill Financial Review
The Truth About Mortgage
Independent lender review
Contact
Let's talk about your next move.
Reach out directly or send a note below. I personally respond to every inquiry, usually the same business day.
- Phone510-288-9800
- EmailTyler@sunnyhillfinancial.com
- Office600 California St, Suite 12-032San Francisco, CA 94108