Business Details
Your Trusted Mortgage Partner in Cottleville, MO
Magnolia Mortgage is a locally rooted, family-owned enterprise dedicated to delivering exceptional customer service in the mortgage industry. Founded by Michelle Rushitaj and her husband, our mission is to provide personalized support for families navigating home purchases or refinancing. With deep understanding of the emotional and financial significance of homeownership, we prioritize transparency, attention to detail, and client satisfaction.Our team attends every closing to ensure clarity and celebrate clients' milestones, whether they're first-time buyers or downsizing empty nesters. Operating in St. Charles County and the St. Louis area, we combine local market expertise with a commitment to making mortgage processes stress-free and accessible.
Services
Home Purchase Loans
Refinance Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Fixed-Rate Mortgages
Adjustable-Rate Mortgages
Conforming Loans
15-Year Fixed Rate Mortgages
Highlights and features
- Family-owned business with personalized service approach
- Attends every closing to ensure client understanding
- Specializes in first-time buyer and downsizing scenarios
- 100% satisfaction guarantee on mortgage services
- Deep local market knowledge in St. Louis region
What people say
Personalized service
Stress-free process
Attentive team
Helpful experts
Celebrate with clients
Services
Home Purchase Loans
We guide clients through home purchase financing with personalized loan programs. Our process includes pre-approval, rate comparison, and closing support. Specializing in first-time buyer assistance and investor property financing.
Refinance Loans
Optimize mortgage terms through rate reduction, equity access, or payment adjustments. We analyze existing loans to identify savings opportunities while maintaining compliance with current regulations.
FHA Loans
Offering FHA-insured loans with low down payment requirements. Our experts navigate federal guidelines to make homeownership accessible for qualified buyers with limited credit histories.
VA Loans
Specialized financing solutions for military members and veterans. We process VA-guaranteed loans with competitive terms and zero down payment options for eligible applicants.
USDA Loans
Facilitating USDA-backed mortgages for rural property purchases. Our team assists with eligibility verification and application processing for zero-down payment opportunities in qualified areas.
People
Michelle Rushitaj
Owner
As founder of Magnolia Mortgage, Michelle combines personal family experience with professional expertise to deliver client-centered mortgage solutions. She oversees all operations with a focus on ethical lending practices.
Lindsey Voorhees
Mortgage Professional
NMLS-certified loan officer providing personalized mortgage guidance. Lindsey specializes in helping clients navigate purchase and refinance transactions with clear communication and market knowledge.
Alexandra Wolf
Mortgage Specialist
As a dedicated mortgage specialist, Alexandra assists clients with loan program selection and application preparation. She focuses on ensuring smooth transactions through proactive client education and support.
Questions
How do I start the mortgage process?
Begin with our FREE pre-approval letter request or refinance analysis to receive tailored loan options based on your financial situation.
What mortgage services do you offer?
We provide home purchase loans, refinancing options, FHA/VA/USDA loans, jumbo mortgages, and fixed/adjustable rate programs with terms from 5-30 years.
Can I refinance my current mortgage?
Yes, we offer refinance solutions to lower rates/payments, change loan terms, or access home equity through our streamlined analysis process.
What loan types suit first-time buyers?
FHA loans with 3.5% down payments and conventional options are available, with specialized guidance for first-time homebuyer programs.
How are mortgage rates determined?
Rates depend on market conditions, loan type, credit profile, and debt-to-income ratio. Our team helps compare options to find your best fit.
