Local & Experienced Home Loan Experts

We Care. We Listen. We Simplify Your Lending Experience. Great Rates Make Your Home More Affordable.


It Starts with a Success Plan for Homebuying.

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.

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Simplify the Loan Process.

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.

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.


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Michael Hays 

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!   


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Richard Blair 

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!   




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Over 1000 satisfied clients

Expert mortgage advice

Quick and easy loan approvals

Great Rates

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. 

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