Joseph Clare - OVM with AnnieMac Home Mortgage's Cover Image
Joseph Clare - OVM with AnnieMac Home Mortgage - Mortgage Loan Originator | NMLS # 2044111 in Virginia Beach, VA

Joseph Clare - OVM with AnnieMac Home Mortgag...

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Mortgage Loan Originator | NMLS # 2044111

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Joseph understands that purchasing or refinancing a home is one of the most significant financial decisions you'll ever make. This is why he is committed to guiding you every step of the way, ensuring you're informed and empowered throughou... Show More
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Overall Ratings
4.92
(142)
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  • 5.0
    Encompass
    S
    Shanita D
    CHESAPEAKE, VA
    Posted on July 20th, 2026 05:33 PM
    Joseph was always communicative and kept me informed throughout the entire process. He explained everything in a clear, easy-to-understand way and provided his professional opinion whenever I had questions, which made the experience much easier....
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  • 5.0
    Encompass
    S
    Shaliese C B
    CHESAPEAKE, VA
    Posted on July 20th, 2026 01:33 PM
    Joseph is an amazing lender , very knowledgable and always takes good care of my buyers. He offers grants, insights, and amazing advice. Working with him has truly been a pleasure and a blessing to my business. Thank you Joey
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  • 0.66
    Encompass
    N
    Nicole O
    PORTSMOUTH, VA
    Posted on April 9th, 2026 11:54 AM
    Poor communication,
  • 5.0
    write_review_unverified
    T
    Tristen D
    Posted on March 26th, 2026 01:06 AM
    I had the pleasure of working with Joey not only on my original home purchase, but now again on my refinance, and I truly can’t recommend him enough.From the very beginning, he has always been professional, knowledgeable, responsive, and genuinely...
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  • 5.0
    Encompass
    W
    William M A
    PORTSMOUTH, VA
    Posted on March 25th, 2026 01:52 PM
    This is my second time working with joey and everyday time its transparent and easy.
    Reply from Joseph Clare - OVM with AnnieMac Ho...
    April 6th, 2026 08:00 PM
    William, it's great to know that your experiences with me have been consistently transparent and straightforward. I appreciate your trust, and I'm here to make the process as smooth as possible for you. If you have any more questions or need...
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  • 5.0
    Encompass
    A
    Andrew C
    SUFFOLK, VA
    Posted on March 25th, 2026 12:44 PM
    My loan agent Joseph Clare made my process of refinancing easy and painless. I was very novice in the relm of refinancing but Mr. Clare was there 24/7 to answer any and all questions that I had and explained the whole process to me step by...
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    Reply from Joseph Clare - OVM with AnnieMac Ho...
    April 6th, 2026 04:47 PM
    Andrew, I'm really pleased to hear that your refinancing experience was smooth and manageable. It's crucial to me that you felt informed and supported at every stage. Your kind words about my patience and honesty mean a great deal, and I'm...
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  • 5.0
    Encompass
    K
    Kyler M
    Virginia Beach, VA
    Posted on March 24th, 2026 01:30 PM
    Real nice guy down to earth gives great advice and helps you every step of the way!
    Reply from Joseph Clare
    April 3rd, 2026 01:31 PM
    I'm glad to hear that you found my advice helpful and that you felt supported throughout the process, Kyler. It's important to me to be approachable and provide guidance every step of the way. If there's anything else you need, please don't...
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  • 5.0
    Encompass
    J
    Jameila I
    Portsmouth, VA
    Posted on March 7th, 2026 05:52 PM
    Joey and his team were very on top of it. They left no stone unturned.
    Reply from Joseph Clare
    March 17th, 2026 05:53 PM
    I enjoyed working with you. Thanks for the great feedback.
  • 5.0
    Encompass
    M
    Mikaela C
    NORFOLK, VA
    Posted on March 7th, 2026 12:28 PM
    Buying my first home was a last minute decision and I wasn't very knowledgeable about the process. Joey paired me with a perfect realtor for me and I never felt like a burden with all the questions I asked. Everyone I worked with throughout...
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    Reply from Joseph Clare
    March 17th, 2026 04:07 PM
    Mikaela, I'm pleased to hear that your first home-buying experience was smooth and stress-free. Every step, including pairing you with the right realtor and addressing all your questions, was aimed at making you feel comfortable and supported....
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  • 5.0
    Encompass
    S
    Sylvia P
    Portsmouth, VA
    Posted on March 7th, 2026 11:21 AM
    Everyone we worked with especially Mr. Clare provided all our needs in a prompt timely manner. All of our questions were answered and they made sure we understood what we were getting into. I would recommend this company to anyone.
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    Reply from Joseph Clare
    March 17th, 2026 01:39 PM
    I appreciate your thoughtful words, Sylvia. It's gratifying to hear that my efforts in addressing all your needs promptly and ensuring clarity throughout the process met your expectations. I'm grateful for your recommendation of OVM with AnnieMac...
    read more
  • 10 of 142
    About
    Joseph understands that purchasing or refinancing a home is one of the most significant financial decisions you'll ever make. This is why he is committed to guiding you every step of the way, ensuring you're informed and empowered throughout the process. With a comprehensive background in various mortgage lending facets, Joseph is equipped to assist with diverse needs—whether you're a first-time homebuyer, seeking a new home, or exploring refinancing options. Specializing in Conventional, Jumbo, FHA, VA, USDA, and Renovation loans, his goal is to find not just any loan, but the perfect one for you.
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Specialities
    Conventional
    FHA
    USDA
    VA Loans
    Jumbo
    Non-QM
    Cash Offers
    Renovation 203k
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    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • NMLS # 2044111
    Disclaimer

    ©2026 American Neighborhood Mortgage Acceptance Company LLC (dba OVM with AnnieMac Home Mortgage). Corporate NMLS# 338923 (http://www.nmlsconsumeraccess.org/). OVM with AnnieMac Home Mortgage is an Equal Housing Opportunity. For a complete list of our licensed states visit: https://ovmfinancial.com/licensing American Neighborhood Mortgage Acceptance Company LLC (dba OVM with AnnieMac Home Mortgage) is not affiliated with the U.S. Department of Veteran’s Affairs, the U.S. Department of Housing and Urban Development, the U.S. Department of Agriculture, or any other Federal Government Agency.