Your Bakersfield
Mortgage Expert.
Michelle Overstreet brings years of real estate and mortgage experience to the Barrett Financial Group team. After owning a successful real estate franchise in El Centro, she transitioned into mortgage lending in 2017 and now helps clients throughout Bakersfield and beyond achieve their homeownership goals.
Loan Programs Michelle Specializes In
From first-time buyers to seasoned homeowners, Michelle matches you with the right program at the right terms.
First-Time Homebuyers
Patient, clear guidance from pre-approval through closing. Michelle makes buying your first home feel achievable, not overwhelming.
VA Loans
Zero-down financing for veterans and active-duty military. Know your full VA entitlement and let Michelle handle the paperwork.
FHA Loans
3.5% down with flexible credit requirements. A great path for buyers who are ready to own but still building their credit profile.
Refinance
Lower your rate, shorten your term, or pull out equity. Michelle shops dozens of lenders to find the best fit for your goals.
Conventional Loans
Low-down-payment conventional programs for qualified buyers who want to avoid mortgage insurance sooner.
Move-Up Buyers
Buying and selling at the same time? Michelle coordinates the financing side so your timeline stays on track.
About Michelle
With decades of experience in real estate, business ownership, and mortgage lending, Michelle Overstreet brings a deep understanding of the home financing process and a strong commitment to client success. Before transitioning into mortgage lending in 2017, Michelle owned and operated a successful real estate franchise in El Centro before relocating to Bakersfield with her husband of 30 years, David.
Michelle's background in both real estate and lending allows her to guide clients through every stage of the homebuying journey with confidence, clarity, and professionalism. She works with a wide range of borrowers including first-time homebuyers, VA buyers, FHA borrowers, refinance clients, and seasoned homeowners looking for the right financing strategy.
Known for her attention to detail, responsiveness, and exceptional customer service, Michelle is dedicated to making the loan process smooth, efficient, and as stress-free as possible. She takes pride in staying current on loan programs and market changes while providing personalized guidance tailored to each client's goals.
Michelle is also an active volunteer with the Bakersfield Association of Realtors and the author of So You Think You Want to Sell Real Estate, reflecting her passion for education, mentorship, and helping others succeed.
Whether working with homebuyers, homeowners, or real estate professionals, Michelle is committed to building lasting relationships through honesty, communication, and trusted advice.
Quick Facts
- Licensed since 2017
- Author and real estate educator
- Bakersfield Association of Realtors volunteer
- Barrett Financial Group, NMLS #181106
Why Work With Michelle?
Experience, empathy, and execution. Michelle brings all three to every transaction.
Real Estate Roots
Having owned a real estate franchise, Michelle understands the full picture: agents, timelines, negotiations, and what can go sideways. She prepares you for all of it.
Client-First Communication
No waiting days for a callback. Michelle stays responsive throughout the process, explains every step in plain language, and keeps you informed from application to close.
Education and Advocacy
As an author and educator, Michelle believes informed clients make better decisions. She takes time to walk you through all your options, not just the easiest path.
Ready to Get Started?
Apply online in minutes for free, with just a soft credit pull, and no obligation. Or call Michelle directly to talk through your options before you commit to anything.