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Michael Taylor

Loan Officer | NMLS #178431

Michael Taylor, Loan Officer at 1st Advantage Mortgage
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About Michael

Michael Taylor is a mortgage broker in Charlotte, NC and Senior Loan Officer at 1st Advantage Mortgage. He has helped homebuyers and homeowners since 2009 throughout Charlotte, Gastonia, Belmont, Mount Holly, Concord, Fort Mill, and Rock Hill.

As both a licensed mortgage loan officer and licensed real estate agent, Michael offers clients a unique perspective during the home financing process. In addition, his real estate background helps him anticipate timelines, coordinate with agents and attorneys, and keep transactions moving smoothly toward closing.

Michael specializes in purchase and refinance loans, including FHA, VA, USDA, conventional, jumbo, and investment property financing. Furthermore, he focuses on clear communication, competitive mortgage rates, and personalized loan strategies that fit each borrower’s goals.

At 1st Advantage Mortgage, Michael helps clients access multiple lending options. As a result, borrowers often have more flexibility when choosing the right mortgage program for their financial situation.

Michael also works closely with real estate agents and referral partners throughout the Charlotte metro area. Because of his responsiveness and local market knowledge, many clients appreciate his ability to simplify the mortgage process from pre-approval through closing.

If you are looking for a trusted mortgage broker in Charlotte, NC, Michael Taylor provides experienced guidance for home purchases, refinancing, and long-term mortgage planning.

Loan programs Michael 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 Michael

Call (704) 502-4338, email michael.taylor@firstadvantagemortgage.com, or send the form and it goes straight to Michael.

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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 Michael 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

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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 Michael licensed in?

Michael Taylor’s current licenses are listed under NMLS ID #178431 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 Michael’s license?

Look up NMLS ID #178431 on NMLS Consumer Access. Our company NMLS is #2468711.

What loan programs can Michael 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 Michael directly?

Call (704) 502-4338 or email michael.taylor@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