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James Scott

Managing Partner / Loan Officer | NMLS #1381403

James Scott, Managing Partner / Loan Officer at 1st Advantage Mortgage
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About James

James Scott is a Partner and Senior Loan Officer at 1st Advantage Mortgage in Charlotte, NC. He helps homebuyers and homeowners throughout Gaston County, Charlotte, Belmont, Mount Holly, Gastonia, and surrounding North Carolina and South Carolina communities.

James specializes in home purchase loans, mortgage refinancing, FHA loans, VA loans, USDA loans, conventional mortgages, and first-time homebuyer programs. In addition, he works closely with borrowers to help simplify the mortgage process and match clients with financing options that fit their goals.

Because James has experience working with a wide range of buyers, he understands that every client’s financial situation is different. As a result, he focuses on clear communication, dependable service, and personalized mortgage guidance from pre-approval through closing.

James also works alongside local real estate agents, builders, and referral partners throughout the Charlotte metro area and surrounding markets. Furthermore, clients appreciate his responsiveness, transparency, and commitment to helping transactions move smoothly and on time.

At 1st Advantage Mortgage, James is committed to helping borrowers feel informed and confident during the home financing process. Whether someone is purchasing a first home, refinancing to lower monthly payments, or exploring FHA, VA, USDA, or conventional loan options, he works to provide practical mortgage solutions tailored to each client’s needs.

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

Loan programs James 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 James

Call (469) 442-5303, email james@firstadvantagemortgage.com, or send the form and it goes straight to James.

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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 James 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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Questions

Frequently asked questions

Which states is James licensed in?

James Scott’s current licenses are listed under NMLS ID #1381403 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 James’s license?

Look up NMLS ID #1381403 on NMLS Consumer Access. Our company NMLS is #2468711.

What loan programs can James 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 James directly?

Call (469) 442-5303 or email james@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