Mortgage Advice, Mortgage Broker, Mortgage Loans, mortgage tips & tricks
- I Make Homeowners
- You Get One Shot in Underwriting - I make it count!
562-826-0837 - 7 Days Per Week
562-826-0837 - 7 Days Per Week
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Most lenders will have a conversation with you about your current financial situation. Based on that conversation, they will issue a pre-qualification letter. This can be a recipe for disaster!
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.
The 1st step in homebuying is getting pre-approved!
I discuss the benefits of working with a skilled real estate agent and how they can help you find your dream home.
Over the years I have seen many transactions fall apart because emotions ended-up taking over. Don't let this happen to you!
For us veterans, VA loans may be our biggest benefit!
Let's dive into those who qualify!
Getting a loan is a paperwork game. Let's get your docs ready early!
Lenders are finally taking a common sense approach to underwriting rental properties!
Consider the benefits of DSCR Loans. At the #1 Spot is no personal income is used on the application.
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!
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!
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!
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!
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.
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.
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.
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!
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!
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!
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!
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!
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.
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.
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Raleigh, North Carolina, United States
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!
Michael B. Clover | NMLS #1883953 |
Raleigh, North Carolina, United States
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