Michael Hays Principal Magnolia Mortgage
3920 E. Indian School Rd., #11
Phoenix, AZ 85018
(602) 821-8046
michael@magnoliamtge.com NMLS #253304

My career in the mortgage industry began with G.E. Capital Mortgage Insurance in 1996, and I am forever grateful to Kelly Purcell, Sue Grummon, Diana Naderer and Pam Middleton for bringing me into the mortgage business to work with them.  After several years with G.E. Capital in Phoenix, Tucson, San Diego and Seattle, I spent a couple of years in Wholesale lending with SunTrust Mortgage in Seattle and then came back to Phoenix with the company, before transitioning into retail lending as a mortgage loan officer with Washington Mutual in late 2000.  My career as a Mortgage Loan Originator developed with Stan Wang at The Advantage Mortgage Group (14+ years) and Jacob Lausen at KDA Home Financial (2 years) before I decided to start my own firm, Magnolia Mortgage.

Magnolia Mortgage opened in April of 2018.  I felt it was time to make the transition from employee to owner, with all the stresses and rewards of being my own boss.  Magnolia Mortgage is a boutique mortgage brokerage, and my goal is not to serve the most clients but to serve all my clients better than anyone else in the Phoenix and greater Arizona market.  I’ve always said that our business isn’t complicated but it is detailed, and hard work and great attention to details have always been the best way to help clients experience a stress-free purchase or refinance transaction.  This is a great business for consumers that demand honesty and transparency since all our work ends up on paper – clients are best served when they understand the loan process and have a clear idea of the real costs involved.

As a Mortgage Loan Originator, or Loan Officer, I keep all parties in the transaction up to date regarding the status of the file, and consequently, referrals form most of my business.  Excellence in customer service is my primary goal, as it is with everyone at Magnolia Mortgage.

As a licensed Mortgage Broker, we work with several lenders to find the most cost -effective program, interest rate and fee structure for your purchase or refinance.  It allows us to save you money on your monthly payment, and on your out-of-pocket costs, as well.

I am a graduate of Jackson Central-Merry High School in Jackson, Tennessee, and then went on to earn a B.A. in English Literature at Auburn University in Auburn, Alabama.  I originally moved to the valley in 1992 and consider Phoenix my lifelong home.  My wife, Sheryl, and I have four children in all - my two sons, Jackson and Hudson, and Sheryl's children, Zach and Abby.  My hobbies are reading, tennis, swimming, golf and spending time with my close friends and family.  I also love music in any format, but especially live music, and I try to see live concerts at least once per month.  We are very fortunate to have so many great venues both large and small here in Phoenix.