Move to 1st Advantage Mortgage
Explore careers in mortgage lending. Join a dedicated team helping clients with refinancing, home loans, and mortgage solutions.
- BIG BANK ABILITY, BOUTIQUE FEEL
- WE HELP YOU CREATE YOUR "NEXT"
- COACHING & MENTORSHIP INCLUDED
Start a conversation about your next move.
Tell us where you are in your mortgage career and how we can help you take the next step.
Applications are directed to sales@firstadvantagemortgage.com.
At 1st Advantage Mortgage, we believe every mortgage broker deserves respect and the freedom to build their own business. Our team is empowered to deliver clients the best mortgage solutions without being tied to a corporate agenda.
James Scott, Founder
1st Advantage Mortgage Sits Right in The Sweet Spot!
Are you tired of bloated margins, excessive management layers, and little support from your mortgage company?
With years of experience as a trusted mortgage broker and mortgage lender, 1st Advantage Mortgage has earned 5-star reviews from clients across NC, SC, TX, FL, VA and PA.
We’ve thrived in every type of market by delivering an exceptional home loan experience for both our borrowers and our team.
Our model gives our loan officers the tools and freedom to compare mortgage rates from available lender options.
With multiple lender options, great service, and local expertise, 1st Advantage Mortgage supports your client relationships and business.
The 1st Advantage Difference
The 7 Pillars of 1st Advantage Mortgage.
Honesty, Integrity, & Transparency
We operate with honesty, integrity, and transparency at the core of everything we do. At 1st Advantage Mortgage, borrowers, brokers, and loan officers trust our commitment to ethical practices and clear communication throughout the entire home loan process.
Local Market Expertise
From Charlotte to Gastonia, Belmont, Fort Mill, Greenville, and beyond, 1st Advantage Mortgage understands local markets. We specialize in helping families, veterans, and first-time buyers find the right home loan solution tailored to their needs.
Mortgage Rate Comparisons
Clients deserve clear mortgage comparisons. As a hybrid mortgage broker and lender, 1st Advantage Mortgage offers FHA, VA, USDA, Conventional, and refinance home loan options so families can review the costs and terms.
Exceptional Client Experience
We make the mortgage process simple and stress-free from application to closing. Borrowers trust 1st Advantage Mortgage for fast pre-approvals, personalized loan options, and a client experience built on efficiency, service, and local knowledge.
Respect for Loan Officers
1st Advantage Mortgage was built to give mortgage brokers and loan officers the freedom to succeed. By cutting corporate layers, our team focuses on clients and delivers outstanding mortgage service every time.
Growth & Opportunity
1st Advantage Mortgage provides tools, technology, and support for both clients and teammates. For borrowers, that means smoother approvals and more choices. For brokers, it means competitive compensation and the freedom to build long-term success.
Coaching and Mentorship
At 1st Advantage Mortgage, we know many mortgage professionals invest in outside coaching and mentorship. Our leadership team takes an active role in training and development, eliminating the need for costly outside programs. We believe the best mortgage mentors lead by example, offering guidance built on action and real-world success, not just theory. Our coaching provides structure, goal setting, and professional growth. Our mentorship focuses on relationships, personal development, and confidence in building a mortgage career. By offering both coaching and mentorship at no cost, our loan officers achieve more in less time and build stronger mortgage businesses.
No One Cares About Your Success More Than We Do
Meet Our Leadership
Michael Vittatoe, Founder
Michael Vittatoe has worked in mortgage lending since 2005 and co-founded 1st Advantage Mortgage in 2023 with a vision of building a mortgage company rooted in honesty, integrity, and service. With no blueprint other than a passion to help others, Michael set out to create opportunities for both clients and teammates. His goal has always been clear: empower people with little or no industry experience to build successful careers, while providing families with access to competitive mortgage solutions that make homeownership possible.
James Scott, Founder
James Scott has worked in mortgage lending since 2005 and co-founded 1st Advantage Mortgage in 2023 with the belief that a mortgage company should focus on people over profits. Dedicated to serving clients and supporting loan officers, James built the company around respect, mentorship, and ethical lending. His commitment to developing talent and offering borrowers transparent, affordable home loan options has shaped 1st Advantage Mortgage into a trusted partner for both first-time buyers and seasoned homeowners across multiple states.
Our Reputation is Everything
You can see from our client reviews that we let our reputation do much of the talking for us. We treat our clients AND our loan officers like family, not profit centers.
What People Say About 1st Advantage Mortgage. Testimonials on the live careers page are injected by a third-party widget and could not be captured. Nothing has been written in their place.
Reach out to us today and discover why 1st Advantage is the perfect platform for LO’s.
Are you a Mortgage Loan Officer ready for your next career move? Look no further than 1st Advantage Mortgage. We understand how important it is to find the right mortgage platform to grow your business. With our innovative model, competitive compensation, and supportive team environment, we give mortgage brokers and loan officers the tools to elevate their careers, serve more clients, and achieve lasting success.
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No pressure and no obligation. A conversation about what you are looking for and whether we are a fit.
Legal information
¹ No-Down Payment Disclaimer: Closing costs and fees may still apply.
² Representative example (conventional, fixed rate): Purchase price $300,000 with a 5% down payment of $15,000 and a loan amount of $285,000. 30-year fixed rate at 6.000% (6.390% APR). 360 monthly principal-and-interest payments of $1,708.72, plus estimated private mortgage insurance of $95.00 per month until the loan balance reaches 78% of the original value (approximately 129 months). APR reflects $1,995 in lender fees, 15 days of prepaid interest, and mortgage insurance. Payment does not include property taxes, homeowners insurance, or HOA dues; your actual payment will be higher. The interest rate is fixed and will not increase. Example dated September 12, 2026, for illustration only. Rates change daily. This is not an offer, quote, or commitment to lend. All loans are subject to credit approval, property appraisal, and program eligibility. Your rate, APR, and payment will depend on your credit, down payment, property, and loan program.
³ Refinancing Disclaimer: When refinancing your mortgage, you can typically reduce your monthly payment amount. However, your total finance charges may be greater over the life of your loan. Your 1st Advantage Mortgage loan professional will provide you with a comprehensive refinance comparison analysis to determine your total life loan savings.
⁴ VA Mortgage Disclaimer: VA home loan purchases offer options for a 0% down payment, no private mortgage insurance requirements, and competitive interest rates with specific qualification requirements. VA Interest Rate Reduction Loans (IRRRL) are exclusively for veterans with current VA loans. Current loan rate restrictions apply, and limits to recoupment of costs and fees apply. VA cash-out refinances are available for veterans with or without current VA loans. Policies and guidelines may vary and are subject to individual borrower(s) qualifications. Program and lender overlays apply.
⁵ Down Payment Assistance Disclaimer: First-lien interest rates may be higher when using a DPA.
⁶ Pre-Approval Disclaimer: Pre-approvals are granted to clients who meet qualifying approval criteria and specific loan requirements at the time of application. Results may vary.
General Disclaimer: The content on this page has not been approved, reviewed, sponsored, or endorsed by any department or government agency.
Frequently asked questions
Do I need a mortgage license to apply?
Not for every role. Licensed loan officer positions need an NMLS license, and support roles such as processing and loan officer assistance do not. Tell us where you are and we will point you at the right opening.
What states can I originate in if I join?
The company is licensed in North Carolina, South Carolina, Texas, Florida, Virginia and Pennsylvania. Which of those you can work in depends on your own license.
Do you work with new loan officers?
Yes. The team runs from newly licensed officers to people who have been originating for years.
How do I start a conversation?
Send a message through the contact page or call 704-343-8681 and ask for the hiring conversation. It starts as a chat, not a formal interview.