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Charlie Sears

SVP of Mortgage Lending | NMLS #1608479

Charlie Sears, SVP of Mortgage Lending at 1st Advantage Mortgage
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About Charlie

Charlie Sears is the SVP of Mortgage Lending and a Senior Loan Officer at 1st Advantage Mortgage in Charlotte, NC. He helps homebuyers and homeowners throughout Charlotte, Gaston County, Belmont, Mount Holly, Gastonia, and surrounding North Carolina and South Carolina communities.

Charlie specializes in home purchase loans, mortgage refinancing, FHA loans, VA loans, USDA loans, conventional mortgages, and financing for investment properties. In addition, he works with first-time homebuyers and experienced borrowers who want practical mortgage guidance and competitive loan options.

Because every borrower has different financial goals, Charlie focuses on understanding each client’s needs before recommending a loan strategy. As a result, many clients appreciate his straightforward communication, responsiveness, and ability to simplify the mortgage process from application through closing.

Charlie also works closely with local real estate agents, builders, and referral partners throughout the Charlotte metro area. Furthermore, his experience helps transactions move efficiently while keeping clients informed during every stage of the financing process.

At 1st Advantage Mortgage, Charlie is committed to helping borrowers feel confident when purchasing or refinancing a home. Whether someone is buying a first home, upgrading to a larger property, refinancing for better terms, or exploring investment opportunities, he works to provide mortgage solutions that support both short-term and long-term goals.

Based in Charlotte, NC, Charlie proudly serves homebuyers and homeowners across Gastonia, Belmont, Mount Holly, Charlotte, and surrounding North Carolina and South Carolina markets.

Loan programs Charlie works with

ConventionalFHAVAUSDAJumboInvestmentAdjustable-rate

1st Advantage Mortgage compares offers from multiple wholesale lenders on every file instead of fitting borrowers to a single institution’s product.

How to reach Charlie

Call (843) 260-5409, email charlie@firstadvantagemortgage.com, or send the form and it goes straight to Charlie.

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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.

Let’s find the right home loan for you

Tell Charlie what you are buying or refinancing and roughly where you stand, and you will get a straight answer on what you qualify for and what it costs. No credit pull to start the conversation.

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Reviews

Customer Testimonials

Reviews clients left on Google, published here through Trustindex exactly as they were written. Nothing is filtered and nothing is written by us.

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Questions

Frequently asked questions

Which states is Charlie licensed in?

Charlie Sears’s current licenses are listed under NMLS ID #1608479 on NMLS Consumer Access, which is the record that stays up to date. If your property is in a different state, another officer on our team may be licensed there.

How can I verify Charlie’s license?

Look up NMLS ID #1608479 on NMLS Consumer Access. Our company NMLS is #2468711.

What loan programs can Charlie help with?

All seven that we broker: conventional, FHA, VA, USDA, jumbo, investment property and adjustable-rate mortgages, for both purchase and refinance.

How do I contact Charlie directly?

Call (843) 260-5409 or email charlie@firstadvantagemortgage.com. You can also send the contact form and we will route it.

How long does a pre-approval take?

Usually within 24 hours of us having your information.⁷