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It Starts with a Success Plan for Homebuying.

It starts with a 30-minute phone call to review your homebuying and financial goals. Based on that information we prepare a customized Loan Success Plan to outline the best options to fit your current financial goals and build future wealth.

Schedule a Discovery Call

Simplify the Loan Process.

Buying a home can be stressful. We combine cutting edge technology to simplify and streamline your lending process to make your financing experience less stressful.

Our Team communicates throughout the loan process to keep you informed.And we answer our phone too.

No robots – we promise!

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Educate and Empower. Make Wise Decisions.

We have the heart of teachers.

We are " Edu-Lenders" because we lead with education.

The goal is to educate you about the homebuying and financial process through one-on-one consults, videos and our Blog.

Theough education you will be empowered to make wise financial decisions and avoid costly home buying mistakes.

Whether you are a first-time homebuyer, a move up buyer, or refinancing our Team will assist you with home loan options.

Let's Chat About Your Goals

About Magnolia Mortgage and The Mortgage Picker Team

Richard Blair and Michael Hays each have over 20+ years as mortgage professionals and have served over 1,000 families. We are committed to combining cutting edge technology to make your home buying process simpler together with "old-fashioned" personalized service. We want to make sure you have the information available to make the wisest financial decisions whether you are buying a home or refinancing.

The goal is to communicate proactively, throughout the home buying transaction to make your home buying experience less stressful.

Our Five Star Reviews on Google and other social media platforms are from home buyers just like you that trusted our expertise to make home ownership a reality.

Businessman pressing button on touch screen interface and select Mortgage. Business, internet, technology concept.

Michael Hays

NMLS# 253304
Phone (602) 821-8046
[email protected]

Michael is the principal of Magnolia Mortgage and has over 20+ years of home lending experience. Each day his Team focuses on creating a stress-free transaction for home buyers and homeowners that are refinancing.

Michael advises his client on finding the most cost-effective loan program, interest rate and fee structure to accomplish their financial goals.

Core values of transparency, open communication and honesty provide clients with a five-star experience.

Michael enjoys playing his bass guitar, checking out live music venues, golf and spending time with family and friends.

The Mortgage Picker is a combination of Michael's love for picking notes on his bass guitar with picking the right mortgage solution for you!

Contact Me

Richard Blair

NMLS # 213176
Phone 602-369-6948
[email protected]

Richard and his Team combine the human touch with cutting-edge technology, automation, and proactive communication throughout the loan process to create an amazing client experience.

For the past 26 years Richard has focused on educating and empowering his clients to choose the best loan option for their financial goals.

By leveraging technology with one-on-one personal loan planning Richard’s clients can make wise financial decisions to build generational wealth.

Richard enjoys hiking, biking, kayaking, 4-wheeling, playing acoustic guitar and spending time with his family and two dogs in the mountains.

The Mortgage Picker is a combination of Richard's love for picking notes on his acoustic guitar with picking the right mortgage solution for you!

Contact Me

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Richard is the best! Very detail oriented, great communication, smooth loan transaction!

- Laurie Rummel

I’ve worked with Richard on all three of my home purchases. He has always be straight forward and honest but in a gentle way. He’s always got my best interest at hand and is always thinking creatively to get the goal at hand done. I’ve recommended him to friends and family and will continue to do so!

Ernesto M

Richard made every step of the loan process a breeze. As a first time home buyer, naturally I had a million and one questions, and Richard was there to answer them all. He is diligent, prepared, well versed, and can explain complex processes simply. I am so glad I had him throughout this process and I would recommend him to everyone!

Jonel K

It was an absolute pleasure working with Richard Blair and his team. Everyone is very professional and made our experience an absolute positive one. My questions were answered in a level that I could understand and in a very friendly manner. I look forward to future work with this team.

Ernie M

I would like to thank Richard Blair and his team for a great job on assisting me with purchasing my new home. Richard was available throughout the entire process to answer all of my questions. He made the experience of purchasing a home stress free. I would recommend Richard and Magnolia Mortgage to anyone looking to purchase a home!

Steven S

Richard takes the time to find the best mortgage solution for you, not just for his bottom line. He talks through your options, deciphers the complex questions and you never feel you are just another loan number. Just be careful as he will almost become family if you work with him!

Daniel S

Richard and his team were wonderful. They communicate very well through the duration of this process. I would highly recommend them to anyone needing mortgage needs.

Garrett M

I have given my friend Richard a 5 because the ratings don't go to 6!

Edwin R

Richard is always enjoyable to work with! Perfect communication and knowledge of the loan process makes every transaction smooth!

Jacqueline H

We had an amazing experience with Richard. He helped me and my wife with the purchase of our first home and we couldn't imagine doing it with anyone else. Richard and his team were there for us every step of the way. Having never been through the process before, we had a lot of questions and uncertainty but the team always had answers and eased our concerns. Do yourself a favor and give Richard a call!!

Justin F

Richard was amazing throughout the entire process. As a first time home buyer, I felt like I was in great hands. Could not recommend him more. If you are looking for a mortgage, Richard is your guy!

Katie B

Communicative, professional, and dynamic. As first time home buyers, Richard was with us every step of the way. We always felt like we were in good hands - couldn't recommend him more.

Devon E

Richard is the best! Very detail oriented, great communication, smooth loan transaction!

- Laurie Rummel

I’ve worked with Richard on all three of my home purchases. He has always be straight forward and honest but in a gentle way. He’s always got my best interest at hand and is always thinking creatively to get the goal at hand done. I’ve recommended him to friends and family and will continue to do so!

Ernesto M

Richard made every step of the loan process a breeze. As a first time home buyer, naturally I had a million and one questions, and Richard was there to answer them all. He is diligent, prepared, well versed, and can explain complex processes simply. I am so glad I had him throughout this process and I would recommend him to everyone!

Jonel K

It was an absolute pleasure working with Richard Blair and his team. Everyone is very professional and made our experience an absolute positive one. My questions were answered in a level that I could understand and in a very friendly manner. I look forward to future work with this team.

Ernie M

I would like to thank Richard Blair and his team for a great job on assisting me with purchasing my new home. Richard was available throughout the entire process to answer all of my questions. He made the experience of purchasing a home stress free. I would recommend Richard and Magnolia Mortgage to anyone looking to purchase a home!

Steven S

Richard takes the time to find the best mortgage solution for you, not just for his bottom line. He talks through your options, deciphers the complex questions and you never feel you are just another loan number. Just be careful as he will almost become family if you work with him!

Daniel S

Richard and his team were wonderful. They communicate very well through the duration of this process. I would highly recommend them to anyone needing mortgage needs.

Garrett M

I have given my friend Richard a 5 because the ratings don't go to 6!

Edwin R

Richard is always enjoyable to work with! Perfect communication and knowledge of the loan process makes every transaction smooth!

Jacqueline H

We had an amazing experience with Richard. He helped me and my wife with the purchase of our first home and we couldn't imagine doing it with anyone else. Richard and his team were there for us every step of the way. Having never been through the process before, we had a lot of questions and uncertainty but the team always had answers and eased our concerns. Do yourself a favor and give Richard a call!!

Justin F

Richard was amazing throughout the entire process. As a first time home buyer, I felt like I was in great hands. Could not recommend him more. If you are looking for a mortgage, Richard is your guy!

Katie B

Communicative, professional, and dynamic. As first time home buyers, Richard was with us every step of the way. We always felt like we were in good hands - couldn't recommend him more.

Devon E

Richard is the best! Very detail oriented, great communication, smooth loan transaction!

- Laurie Rummel

I’ve worked with Richard on all three of my home purchases. He has always be straight forward and honest but in a gentle way. He’s always got my best interest at hand and is always thinking creatively to get the goal at hand done. I’ve recommended him to friends and family and will continue to do so!

Ernesto M

Richard made every step of the loan process a breeze. As a first time home buyer, naturally I had a million and one questions, and Richard was there to answer them all. He is diligent, prepared, well versed, and can explain complex processes simply. I am so glad I had him throughout this process and I would recommend him to everyone!

Jonel K

It was an absolute pleasure working with Richard Blair and his team. Everyone is very professional and made our experience an absolute positive one. My questions were answered in a level that I could understand and in a very friendly manner. I look forward to future work with this team.

Ernie M

I would like to thank Richard Blair and his team for a great job on assisting me with purchasing my new home. Richard was available throughout the entire process to answer all of my questions. He made the experience of purchasing a home stress free. I would recommend Richard and Magnolia Mortgage to anyone looking to purchase a home!

Steven S

Richard takes the time to find the best mortgage solution for you, not just for his bottom line. He talks through your options, deciphers the complex questions and you never feel you are just another loan number. Just be careful as he will almost become family if you work with him!

Daniel S

Richard and his team were wonderful. They communicate very well through the duration of this process. I would highly recommend them to anyone needing mortgage needs.

Garrett M

I have given my friend Richard a 5 because the ratings don't go to 6!

Edwin R

Richard is always enjoyable to work with! Perfect communication and knowledge of the loan process makes every transaction smooth!

Jacqueline H

We had an amazing experience with Richard. He helped me and my wife with the purchase of our first home and we couldn't imagine doing it with anyone else. Richard and his team were there for us every step of the way. Having never been through the process before, we had a lot of questions and uncertainty but the team always had answers and eased our concerns. Do yourself a favor and give Richard a call!!

Justin F

Richard was amazing throughout the entire process. As a first time home buyer, I felt like I was in great hands. Could not recommend him more. If you are looking for a mortgage, Richard is your guy!

Katie B

Communicative, professional, and dynamic. As first time home buyers, Richard was with us every step of the way. We always felt like we were in good hands - couldn't recommend him more.

Devon E

Over 1000 satisfied clients

Expert mortgage advice

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Five Star Reviews on Google

Connect with Us

Use the form below to get in touch with either Richard Blair or Michael Hays, our expert mortgage advisors. Wecombine speed, efficiency, convenient technology and good old fashioned personalized loan planning to make your home buying experience awesome. We help you pick the best mortgage options to meet your financial goals and guide you through the process.

Send us a message today and let's get started.