Magnolia Mortgage
3920 E. Indian School Rd., #11
Phoenix, AZ 85018
Magnolia Mortgage is a boutique Phoenix mortgage brokerage serving Tucson, Flagstaff, Prescott, Payson and all of Arizona — with FHA, VA, Conventional, Jumbo, and Non-QM loan programs.
Magnolia Mortgage was founded in 2018 with a simple goal: not to serve the most clients, but to serve our clients better than anyone else in the market. Between them, Principal Michael Hays and Mortgage Advisor Richard Blair bring more than 50 years of lending experience and over 1,000 families served. As a brokerage, we work with several lenders to find the most cost-effective program, rate, and fee structure for your purchase or refinance — and we keep you informed of exactly where your file stands, start to finish.
Buying a Home
A big bank gives you one rate sheet. We shop your loan across multiple lenders. Whether you’re a first-time buyer or moving up, we’ll walk you through FHA, VA, Conventional, Jumbo, and down payment assistance options — and tell you honestly what fits.
Explore Home Purchase → Buying a Home in Arizona
Refinancing
Your current lender wants to keep your loan. That doesn’t mean their offer is your best one. We’ll run the real numbers on rate-and-term or cash-out refinancing — including when it doesn’t make sense yet.
Explore Refinancing → Refinancing in Arizona
Investor Lending
DSCR loans, portfolio financing, and LLC-held property — from a broker who’s actively in these deals, not just financing them.
Explore Investor Lending → Financing for Real Estate Investors
Divorce Lending — a specialty most lenders don’t have
Divorce is one of the few times a mortgage decision gets made under pressure, on a deadline. Michael Hays holds the RCS-D™ designation — Real Estate Collaboration Specialist, Divorce — and works with family law attorneys, mediators, and divorcing homeowners across Arizona to make sure the house decision gets made with real numbers, before the settlement is signed.
Learn more about divorce lending → Divorce Lending
How we work
This business isn’t complicated, but it is detailed. Everything we do ends up on paper, which makes it a great business for people who demand honesty and transparency. You’ll understand the process, know the real costs, and never wonder what’s happening with your loan. That’s why referrals form most of our business.
Our Team
Michael Hays | Principal | NMLS #253304
(602) 821-8046 | michael@magnoliamtge.com
About Michael → Michael Hays
Richard Blair | Mortgage Advisor | NMLS #213176
(602) 369-6948 | richard@magnoliamtge.com
About Richard → Richard Blair
3920 E. Indian School Rd., #11, Phoenix, AZ 85018
Magnolia Mortgage, LLC | NMLS #1718771 | AZ MB #0946824
Start Your Application → Click Here
