Are you baffled by the maze of mortgage fees and why every lender seems to charge differently? In this episode, we’re peeling back the curtain to reveal the truth about mortgage costs. Learn how lenders determine their fees, why they vary so much, and how working with a mortgage broker can save you time, money, and stress.

Discover how brokers, like me, serve as your personal guide through the process, ensuring you get the best deal possible while avoiding unnecessary fees. I’ll also break down how brokers offer more options, better transparency, and a deeper understanding of your unique financial needs.

Buying a home is one of the biggest investments you'll ever make—don’t leave it to chance. Tune in to gain the insider knowledge you need to navigate mortgage fees like a pro and make informed decisions that protect your wallet.

💼 Contact Michael Clover 7 Days Per Week:
📞 Contact: 562-826-0837
📧 Email: m.clover@barrettfinancial.com
🌐 Website: michaelclover.net
📺 YouTube Channel: www.youtube.com/@MichaeltheMortgageGuy
💬 Licensed in NC, TN, GA, VA, and FL, & CA
NMLS ID: 1883953

Your journey to homeownership starts here. Let’s make it happen together! 🌟

Buying a home is one of the biggest investments you’ll ever make, and skipping a home inspection could cost you thousands—or worse, leave you with a house full of regrets. In this episode, Home Inspections 101: Protect Yourself BEFORE You Buy!, we break down everything you need to know about the home inspection process. From uncovering hidden issues to negotiating repairs or price reductions, this episode will empower you to protect your investment and make an informed decision. Whether you’re a first-time buyer or an experienced homeowner, this is a must-listen for anyone ready to take the leap into homeownership.

Don’t let your dream home turn into a nightmare—get the tools you need to stay ahead and stay protected!

📞 Contact: 562-826-0837
📧 Email: m.clover@barrettfinancial.com
🌐 Website: michaelclover.net
📺 YouTube: www.youtube.com/@MichaeltheMortgageGuy
🎙 Podcast: Michael the Mortgage Guy - Michael Clover available on Spotify, iHeartRadio, Amazon Music, and more!
💼 Licensed in NC, TN, GA, VA, FL, & CA
🔑 NMLS: 1883953

Click play now to learn how to protect yourself before you buy!

Podcast Description:
In the shifting housing market of 2025, homebuyers are making bold sacrifices to achieve their dreams of homeownership. In this episode, we dive deep into the lengths people are willing to go—from cutting back on everyday luxuries to rethinking major life plans—all to afford a home in today’s competitive landscape. Whether you're a first-time buyer or looking for inspiration, this episode uncovers real stories and practical strategies to help you stay ahead.

📞 Contact: 562-826-0837
📧 Email: m.clover@barrettfinancial.com
🌐 Website: michaelclover.net
📺 YouTube: www.youtube.com/@MichaeltheMortgageGuy
🎙 Podcast: Michael the Mortgage Guy - Michael Clover available on Spotify, iHeartRadio, Amazon Music, and more!
💼 Licensed in NC, TN, GA, VA, FL
🔑 NMLS: 1883953

Listen now and learn what it takes to turn your dream home into a reality!

Ready to leave the barracks behind and finally have a place to call your own? In this episode, we’re diving deep into practical, no-nonsense money-saving strategies to help active-duty service members prepare for homeownership.

Having spent 11 years in the Navy—9 of those in barracks or onboard ships—I understand exactly how it feels to dream of your own space. I also know the challenges of saving money while serving your country. That’s why I’m sharing 10 actionable tips to help you save for potential closing costs, homeowner's insurance, and property taxes—because even with a VA loan, being prepared is key.

If you’ve made it through boot camp, you’ve already proven you’ve got the discipline. Now it’s time to channel that grit toward owning your first home. I’ll also break down how VA loans work, what expenses you might face, and how to set yourself up for success—whether you’re planning to buy while still in the service or when you transition to civilian life.

💡 This episode is your step-by-step guide to making homeownership a reality while serving your country.

📞 Contact me: 562-826-0837
📧 Email: m.clover@barrettfinancial.com
🌐 Website: michaelclover.net
📺 YouTube: www.youtube.com/@MichaeltheMortgageGuy
🎧 Podcast: Available nationwide on Spotify, iHeartRadio, Amazon Music, and more!

💼 Licensed in: NC, TN, GA, VA, and FL.

👉 Tune in, take notes, and let’s get you on the path from barracks to homeownership!

🎙️ Busting 30 Mortgage Myths: What You Need to Know Before You Buy 🎙️

Are you falling for the most common mortgage myths? In this episode, we’re breaking down 30 of the biggest misconceptions that could be holding you back from owning your dream home. From VA loan myths to credit score misunderstandings, we’re exposing the truth behind the myths that confuse homebuyers, scare first-timers, and leave money on the table.

Whether you're a first-time buyer, a seasoned homeowner, or an agent who wants to better serve your clients, this episode is packed with eye-opening insights to save you time, stress, and money.

Don't let misinformation keep you from the keys to your future! Tune in now and gain the knowledge you need to navigate your mortgage journey with confidence.

📞 Contact me: 562-826-0837
📧 Email: m.clover@barrettfinancial.com
🌐 Website: michaelclover.net
📺 YouTube: www.youtube.com/@MichaeltheMortgageGuy
🎧 Podcast: Available nationwide on Spotify, iHeartRadio, Amazon Music, and more!

💼 Licensed in: North Carolina (NC), Tennessee (TN), Georgia (GA), Virginia (VA), and Florida (FL).

#MichaelClover #MortgageMyths #HomeBuyingMadeSimple #MichaelClover.net

Ever wondered where your monthly mortgage payment really goes? In this episode, we dive deep into the four pillars that make up PITI—Principal, Interest, Taxes, and Insurance. Learn how each component plays a critical role in protecting your home, your finances, and your peace of mind. From understanding why the bulk of your payment goes toward interest in the early years to the importance of your escrow account in safeguarding against tax liens and lapses in insurance, we’re breaking it all down for you. Whether you’re a first-time homebuyer or a seasoned homeowner, this episode will give you the knowledge you need to take control of your mortgage like a pro.

📞 Contact: 562-826-0837
📧 Email: m.clover@barrettfinancial.com
🌐 Website: michaelclover.net
📺 YouTube: www.youtube.com/@MichaeltheMortgageGuy

Licensed in NC, TN, GA, VA, and FL—reach out today and let’s navigate your homeownership journey together!"

Buying or selling a home is one of the biggest decisions you’ll ever make, but is hiring a real estate agent really necessary? In this episode, we’ll explore the pros and cons of working with an agent versus going it alone in today’s market.

We’ll break down how a top-tier real estate agent can help you navigate the complex process, from pricing and negotiations to paperwork and beyond. You’ll also learn about the risks and potential pitfalls of trying to buy or sell without expert guidance, and how the right agent can save you time, money, and stress.

Whether you’re a first-time buyer, a seasoned seller, or just curious, we’ll give you the tools and insights to make an informed decision about whether a real estate agent is right for you. Don’t leave your future to chance—tune in and make your next move with confidence!

🎧 Listen now to find out if you’re better off with professional help or navigating the real estate waters on your own!

Contact: 562-826-0837

Email: m.clover@barrettfinancial.com

Website: michaelclover.net

YouTube Channel: www.youtube.com/@MichaeltheMortgageGuy

Licensed in NC, TN, GA, VA, FL, & CA

Homebuying is a huge milestone, but it can also stir up a whirlwind of emotions that may cloud your judgment. In this episode, we dive deep into the 14 most common emotional traps buyers fall into, and more importantly, how you can avoid them.

From letting excitement dictate your budget to rushing into decisions without enough information, these emotional missteps can lead to buyer's remorse or worse—financial strain. We’ll break down the traps to watch out for and arm you with the strategies to stay level-headed, making decisions that align with your long-term goals.

Whether you’re a first-time buyer or seasoned pro, this episode is packed with essential insights to help you navigate the emotional rollercoaster of homebuying and come out on top. Don’t let emotions dictate your next big purchase—take control and make your best move.

🎧 Listen now to learn how to stay calm, focused, and in control throughout the entire homebuying process!

Contact: 562-826-0837

Email: m.clover@barrettfinancial.com

Website: michaelclover.net

YouTube Channel: www.youtube.com/@MichaeltheMortgageGuy

Licensed in NC, TN, GA, VA, FL, & CA