Magnolia Mortgage
3920 E. Indian School Rd., #11
Phoenix, AZ 85018
This business isn’t complicated. But it is detailed.
Magnolia Mortgage is a boutique brokerage serving Phoenix, 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.
Loan Programs
FHA & VA — Buy with little or no money down, with flexible credit requirements.
Conventional — Competitive rates and low down payment options for buyers with strong credit.
Jumbo — Aggressive rates and fees for luxury and high-balance purchases across Arizona.
Non-QM — Real solutions for self-employed borrowers, investors, and anyone whose income doesn't fit inside a standard box.
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 →
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 →
Richard Blair | Mortgage Advisor | NMLS #213176
(602) 369-6948 | richard@magnoliamtge.com
About Richard →
3920 E. Indian School Rd., #11, Phoenix, AZ 85018
Magnolia Mortgage, LLC | NMLS #1718771 | AZ MB #0946824
