Mortgage Advice, Mortgage Broker, Mortgage Loans, mortgage tips & tricks
- You Get One Shot in Underwriting - I make it count!
7 Days Per Week - 5 am to Midnight at 562-826-0837
Many people don't know they qualify
Homeownership may be closer than you think! Michael is here to help you uncover your true buying power and determine exactly how much you qualify for with expert guidance tailored to your unique situation.
get pre-approved in less than 24 hours!
- Sellers Require A Pre-Approval Letter
- Gain An Edge Over Other Buyers
- Show Sellers You Are Serious
- Showcase Your Financial Backing
- Act Quickly & Make Offers Instantly
About Michael Clover
- Roots: From Pittsburgh, PA, now in Raleigh, NC after 30 years in Los Angeles real estate.
- Experience: Helped over 3,000 families achieve homeownership since 2002.
- Client Focus: I work directly with you from pre-approval to closing.
- Loan Access: One credit pull = access to 140 lenders for the best terms/rates.
- Financial Expertise: My financial planning background ensures a full evaluation, not just a loan.
- Industry Knowledge: Worked on the sales AND operations sides of mortgages. Experience smooth, fast approvals.
- Veteran: 11 years of service in the United State Navy. VA loan expert.
Important Downloads!
10 Steps to Better Credit Scores (png)
DownloadHow Lenders Determine YOUR Rate! (png)
DownloadPaperwork Tips You Must Know! (png)
DownloadDiscover Why 7 MILLON Homeowners Have FHA Loans! (png)
DownloadThe Biggest Mistake When Homebuying! (png)
DownloadWhy Work With A Mortgage Broker? (png)
DownloadThese Mistakes Can Lead to DENIAL (png)
DownloadSame-Day Loan Pre-Approval HERE!!! (png)
DownloadWhy Should I Get Pre-Approved (png)
DownloadReasons to Refinance (png)
DownloadVA Refinance - IRRRL (png)
DownloadVA Loans - Our Biggest Benefit (png)
DownloadWhat are buyers giving-up in 2025?
The National Association of Homebuilders completed a poll of homebuyers. Hear what they had to say heading into 2025!
Pre-Qual vs. pre-approval?
Make sure you're getting PRE-APPROVED!
UNLOCK the secrets: how lenders determine your rate!
Two people could qualify to buy the SAME house but have two wildly different interest rates! Why? I explore EACH factor that determines YOUR rate.
top 12 reasons to get pre-approved
The 1st step in homebuying is getting pre-approved!
Do You need a real estate agent?
I discuss the benefits of working with a skilled real estate agent and how they can help you find your dream home.
14 Emotional Traps to Avoid When Homebuying!
Over the years I have seen many transactions fall apart because emotions ended-up taking over. Don't let this happen to you!
VA loan series
VA Loans - Our Biggest Benefit?
For us veterans, VA loans may be our biggest benefit!
What Docs Do You Need For A VA Loan?
Getting a loan is a paperwork game. Let's get your docs ready early!
Who Is Eligible For A VA Loan?
Let's dive into those who qualify!
VA Appraisal Too Low? Master the VA Tidewater Initiative & BOOST The Value!
Let's dive into those who qualify!
Active Duty Living In The Barracks?
Let me help you escape the barracks and become a homeowner!
buy rental props - new & Seasoned investors
What Is A DSCR Loan?
Lenders are finally taking a common sense approach to underwriting rental properties!
Top 10 Benefits of DSCR Loans
Consider the benefits of DSCR Loans. At the #1 Spot is no personal income is used on the application.
what a few of my clients say...
Christa Litzenberger
Christa Litzenberger
Christa Litzenberger
I can’t express enough how incredibly grateful I am for Michael’s consistent advice and counsel over the last two decades. I’m an eye surgeon working >60 hours/week operating in three surgery centers while maintaining a full clinic. I have no time to worry about complex financial processes, but Michael has made everything so much easier and stress free. I've relied on him to refinance my primary mortgage multiple times and provide a loan on a 2nd property. He has always delivered beyond expectations.
When I first started working with him my mortgage payment was about $7,000 a month. Thanks to Michael’s guidance, my payment is now only $2,400 a month with an unbelievable interest rate of 2.25%. He helped me find an advisor to save for my children’s college and invest in a second property with the money I saved so now my kids education is taken care of and we have a vacation home. His dedication has saved us around $552,000 over the last decade ($4,500/month times 10 years not including the growth and interest on that money) It’s clear that Michael’s commitment to his clients goes far beyond just business—he’s genuinely invested in helping people achieve their financial goals.
What truly sets Michael apart is his professionalism, his incredible attention to detail, and the genuine care he has for his clients. Despite my demanding schedule, he has consistently closed my loans in about two weeks, always making the process seamless and stress-free. His work has helped me so much over the decades that these days I simply instruct my CPA to accept Michael’s calls, give him the information he needs, and then arrange a meeting for the three of us to move forward.
I wholeheartedly recommend Michael to anyone looking for a trusted, knowledgeable, and truly caring professional. If you follow his guidance he will impact your financial life for the better as he has for me and my family. He has made a tremendous impact on our lives, and I couldn’t be more grateful for his help!
Jorge G.
Christa Litzenberger
Christa Litzenberger
Exceptional Service from a Dedicated Loan Officer
After searching for my dream home for over seven years, I was beginning to lose hope that I would ever find the perfect place. That’s when I met Michael Clover , and everything changed. From the very first interaction, he stood out from every other broker I had encountered. He took the time to thoroughly review my loan situation, something that no one else had done, and immediately set a plan in motion to help me secure the home of my dreams.
What made my experience truly remarkable was that we didn’t just find a home — we built it from the ground up. Michael Clover guided me through every step of the financing process with unwavering dedication and expertise. His commitment to my journey was unmatched; he was available 24/7, ensuring I was fully informed at every stage. The level of communication and transparency was extraordinary; I always knew exactly what was happening, when it was happening, and what to expect next.
Michael Clover's synchronization with my needs and his proactive approach made a daunting process feel seamless and even enjoyable. He wasn’t just a loan officer; he was a true partner in making my dream a reality. I am incredibly grateful for his dedication, professionalism, and personal touch. If you are looking for someone who will go above and beyond to help you achieve your homeownership goals, look no further than Micheal Clover. He made the impossible possible, and I couldn’t be happier with the outcome. Highly recommended!
Patrick Stearns
Christa Litzenberger
Patrick Stearns
I met Michael over 20 years ago when we he was a Financial Advisor at Citigroup/Smith Barney. I have relied on his expertise and integrity through the years, Michael has guided me through three jumbo loans. During the financial/mortgage crisis I thought it was an impossible feat but he helped me refinance a loan which saved me about $3,000/month, this saved my home and removed tremendous stress from my life.
His professionalism, industry knowledge, and dogged determination to to get business done right has genuinely helped me and my family.
I reach out to Michael any and every time I have questions and have the highest confidence in his advice and guidance.
Thanks for all of the help through the years and, of course, will continue relying on your expertise and work ethic.
You help a lot of people with the incredible business you've built and have genuinely earned your success!
Uthman Alawiye
Chris Shoemaker
Patrick Stearns
I am thrilled to share my experience working with Michael Clover as my loan officer during the home-buying process. Mr. Clover has truly exceeded my expectations and made the entire journey a smooth and enjoyable one.
From the very beginning, Mr. Clover impressed me with his deep knowledge of the mortgage industry. He took the time to explain various loan options to me, ensuring I understood every detail and making me feel confident in my decisions.
What sets Mr. Clover apart is his exceptional customer service. He was incredibly responsive, always available to answer my questions, and went above and beyond to keep me informed throughout the loan approval process. His attention to detail and dedication to helping me secure the best possible mortgage rate was remarkable.
Throughout the inevitable challenges that can arise in the mortgage process, Mr. Clover remained a steady and reliable partner. His problem-solving skills and commitment to ensuring a successful closing was truly commendable.
I am now a proud homeowner, and I owe a significant part of this achievement to Mr. Clover. I wholeheartedly recommend him to anyone in need of mortgage services. His expertise, professionalism, and unwavering support turned what could have been a stressful experience into a positive one. Thank you, Mr. Clover, for making my homeownership dreams come true, and I look forward to working with you again in the nearest future.
Chris Shoemaker
Chris Shoemaker
Chris Shoemaker
Michael was amazing throughout the entire home buying process. We were buying out of state which is very stressful and he was always on top of the process from the start to the finish and even afterwards. He's not only knowledgeable, but is extremely professional and personable. I honestly couldn't imagine a more suitable lender for anyone. Thank you, Mike!
Joshua Woolcock
Chris Shoemaker
Chris Shoemaker
Barrett Financial was fantastic to work with and extremely helpful in buying my first home! Michael was great to work with and helped me understand the whole loan process and worked with me all through out the process, at all hours since I was working nights at the time of the purchase. Him and Skye were always quick to respond to any questions I had and were very professional and focused on getting all the processing done to have my loan completed and ready for my signing on the closing date even with the hiccups that came along with the process I was never concerned that it wouldn't go through with them being on the job. Definitely will be using them again for any other future home purchases or loans!
Joshua Woolcock
Joshua Woolcock
Joshua Woolcock
Barrett Financial was fantastic to work with and extremely helpful in buying my first home! Michael was great to work with and helped me understand the whole loan process and worked with me all through out the process, at all hours since I was working nights at the time of the purchase. Him and Skye were always quick to respond to any questions I had and were very professional and focused on getting all the processing done to have my loan completed and ready for my signing on the closing date even with the hiccups that came along with the process I was never concerned that it wouldn't go through with them being on the job. Definitely will be using them again for any other future home purchases or loans!
Jose Serna
Joshua Woolcock
Joshua Woolcock
Michael is fantastic! He did a loan for me and a loan for my brother when he bought his home. He got both my brother and I great rates as first time homebuyers. He was excellent at walking us through the process and was always quick to respond to any questions we had. I highly recommend him to anyone looking for a friendly and professional mortgage broker who will have your back through the whole process.
Heriberto G.
Joshua Woolcock
Heriberto G.
Michael Clover is the standard of excellence as a Sr. Loan Officer for home loan and refinance. It doesn't get any better. Take it from this family of American Veterans. Thank you, Michael Clover.
what real estate agents say
Vanessa Speight
Vanessa Speight
Vanessa Speight
I had the pleasure of working with Michael Clover as a real estate agent where he has helped several of my clients . I recently personally enlisted his expertise for a seamless mortgage refinance. Michael's professionalism, knowledge, and dedication are unmatched. His attention to detail, responsiveness, and communication skills were exceptional.
Michael's commitment to securing the best financing option for me was exemplary. His negotiation skills and determination to secure favorable refinance terms were commendable. Michael consistently goes above and beyond for his clients, making the process positive and rewarding. Highly recommended!
Alicia Swift
Vanessa Speight
Vanessa Speight
I am a real estate agent and have closed several transactions with Michael Clover, and my buyers trust him completely. He’s there for them day or night, even on weekends, ensuring they're supported throughout the entire process.
When construction on my new home was completed in May, Michael handled my mortgage with the same dedication and expertise he shows to all his clients. He pushed through with a very tight timeline with the builder causing delays and got us closed on time. He was emotionally supportive and very responsive through the process, working over time to get to the finish line. Highly recommend!
Rosalind Crawford
Rosalind Crawford
Rosalind Crawford
Michael Clover is an exceptional mortgage broker! In an industry where unreturned calls are the norm, Michael stands out for his accessibility and responsiveness. He is highly knowledgeable about the current mortgage market and industry trends. I’ve collaborated with him on several transactions, all of which went smoothly through underwriting and closed without issues. Michael excels at motivating real estate agents and consistently seeks ways to support business objectives. He is my top recommendation for a mortgage broker, and I confidently refer my clients to him. If you need a mortgage broker extraordinaire, Michael is the one!
Melinda Davis
Rosalind Crawford
Rosalind Crawford
I’m a real estate agent, and Michael is my go-to lender! Together, we closed an incredibly difficult transaction between Christmas and New Year’s Eve—one of the most challenging purchases in our careers. We faced delays with the property, city processing the water inspection, no-show contractors for appraiser-called repairs, errors by a mobile notary at closing, and delayed signed loan documents being returned to the lender via FedEx. Despite these obstacles, Michael took complete charge. He worked tirelessly, even on Christmas Day, to get the job done. Coordinating all parties involved, he ensured we successfully closed and funded.
As a partner, he generously shares his knowledge about his incredible marketing strategies and marketing pieces. He is your biggest cheerleader! If you’re a buyer or an agent, you won’t find anyone as dedicated, driven, and professional as Michael!
real estate agents i trust
Meet Alicia "The Bloodhound" Swift—a powerhouse real estate agent with United Real Estate Experts and a relentless advocate for her clients. Alicia’s remarkable skills are nothing short of legendary: she has an almost supernatural ability to sniff out the perfect home for buyers, navigate fiercely competitive markets with precision, and secure winning offers with ease. From the first showing to the final signature, Alicia is by her clients’ side, guiding them with unmatched dedication and expertise. If you're looking to buy in East Tennessee, especially in the vibrant greater Chattanooga area, Alicia is your secret weapon. Trust her to turn your homebuying dreams into reality—she delivers every time!
Carolanne brings over a decade of unmatched expertise in the Raleigh suburbs. As the dynamic Broker-in-Charge of Galardo Realty, she leads an exceptional team of agents based in Garner, NC. Her mastery spans the thriving markets of Holly Springs, Fuquay-Varina, Apex, Willow Springs, Angier, Cary, and Garner. With her finger firmly on the pulse of these communities, Carolanne consistently positions her buyers and sellers for success in an ever-evolving market. Her sharp insight into the luxury market further sets her apart, making her the go-to professional for clients seeking excellence and results.
Contact Me
Questions or Comments
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Michael Clover - NMLS ID: 1883953
Raleigh, North Carolina, United States
Hours
This is not a job, it's my way of life. I don't have an "off button" and make myself available to you 7 days per week from 5 am to midnight!
Contact Me For A No Cost Consult:
Michael B. Clover | NMLS #1883953 |
Raleigh, North Carolina, United States
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