Mortgage Advice, Mortgage Broker, Mortgage Loans, mortgage tips & tricks

I Make Homeowners
You Get One Shot in Underwriting - I make it count!

Click Here to Apply

Call me

562-826-0837 - 7 Days Per Week

About Michael Clover

Origins: From Pittsburgh, PA; relocated after 30 years in Los Angeles to Raleigh, NC in 2021
Experience: Helped over 3,000 families achieve homeownership since 2002
Client Focus: One-on-one guidance from pre-approval to closing
Loan Access: With one credit pull, I shop 140 lenders to secure the best terms for YOUR unique situation
Financial Expertise: Background in financial planning. I assess your entire picture. I don't "sling loans"
Industry Knowledge: My broad experience in sales AND operations ensures efficient loan structuring and quick approvals
Military Veteran: Joined at 17 and has 11 years in the U.S. Navy, with four deployments to 24 countries
Veteran Status: Served in Desert Shield, Desert Storm, and Operation Sea Signal in Guantanamo Bay, Cuba
VA Loan Expertise: Dedicated to serving fellow veterans and active duty members with VA loan loans

what my clients say

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!

Chris Shoemaker

Patrick Stearns

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

Patrick Stearns

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!

Joshua Woolcock

Uthman Alawiye

Joshua Woolcock

Uthman Alawiye

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.

Jose Serna

Joshua Woolcock

Uthman Alawiye

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.

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.

Jorge G.

Heriberto G.

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!

what real estate agents say

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

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

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

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 rock solid real estate agent with United Real Estate Experts. Alicia’s extraordinary talents set her apart: she has an uncanny ability to find the perfect home for our buyers, secure their offers in fiercely competitive situations, and works tirelessly to ensure a seamless closing. Our buyers trust her implicitly and she holds their hand from start-to-finish. If you're looking to buy in East Tennessee, especially in the greater Chattanooga area, you need Alicia by your side. Don’t miss the chance to work with someone who will make your homebuying dreams reality!

Rosalind Crawford has 25 years of real estate experience. Roz is kind-hearted, authentically genuine and has a huge heart! I've seen her go above and beyond for all of her buyers. She is relentless in her pursuit of finding your "perfect" home. Roz truly cares about the people she works with and will stop at nothing to make sure your real estate transaction goes as smoothly as possible. Roz holds an MBA from Pfeiffer University and handles the Charlotte, NC are as well as South Carolina.

real estate agents i trust

Meet Melinda Davis, the rock star agent with Lakeside Realty who consistently goes above and beyond for her clients. Melinda treats every buyer like family, delivering a personal touch that sets her apart. Her dedication is unparalleled—she once hosted an elderly couple on her property during their house-hunting weekend and even cooked them breakfast!

With a warm, down-to-earth demeanor and genuine Southern hospitality, Melinda brings her expertise to Norris Lake, TN, and the surrounding counties. If you're looking for an agent who truly cares and will make your home-buying journey exceptional, Melinda Davis is the one to call.

Yuliya is a real estate expert, honored to be recognized as a multi-million-dollar producer and awarded the prestigious title of top-selling agent multiple times by Award Realty. Based in the stunning landscapes of Tennessee, Yuliya brings a wealth of experience and success to every client interaction. Passionate about family, Yulia is driven to help your family as well.

Contact Me

Questions or Comments

Call, text, or send an email

Michael Clover - NMLS ID: 1883953

Raleigh, North Carolina, United States

562-826-0837 m.clover@barrettfinancial.com

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!

Mortgage Advice, Mortgage Broker, Mortgage Loans, mortgage tips & tricks

Contact Me For A No Cost Consult:

Connect With Me on social media

Sr. Loan Officer With:

About Michael Clover

Downloads

👀 🎬 Fed's Pending Rate Cut Alert: It's coming!!!

Breaking: Prices at Record Highs Despite Fed's Rate increase

Pre-Qual vs. pre-approval?

UNLOCK the secrets: how lenders determine your rate

top 12 reasons to get pre-approved

Do You need a real estate agent?

14 Emotional Traps to Avoid When Homebuying!

VA loan series

VA Loans - Our Biggest Benefit?

Who Is Eligible For A VA Loan?

What Docs Do You Need For A VA Loan?

buy rental properties

What Is A DSCR Loan?

Top 10 Benefits of DSCR Loans

what my clients say

Patrick Stearns

Patrick Stearns

Patrick Stearns

Chris Shoemaker

Patrick Stearns

Patrick Stearns

Joshua Woolcock

Patrick Stearns

Joshua Woolcock

Joshua Woolcock

Joshua Woolcock

Joshua Woolcock

Uthman Alawiye

Joshua Woolcock

Uthman Alawiye

Jose Serna

Joshua Woolcock

Uthman Alawiye

Heriberto G.

Heriberto G.

Heriberto G.

Jorge G.

Heriberto G.

Heriberto G.

what real estate agents say

Vanessa Speight

Vanessa Speight

Vanessa Speight

Alicia Swift

Vanessa Speight

Vanessa Speight

Rosalind Crawford

Rosalind Crawford

Rosalind Crawford

Melinda Davis

Rosalind Crawford

Rosalind Crawford

real estate agents i trust

real estate agents i trust

Contact Me

Questions or Comments

Michael Clover - NMLS ID: 1883953

Hours

Email Me

This website uses cookies.