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Our Mortgage Team

Meet Our Charlotte Mortgage Broker Team

This roster is the current list of licensed loan officers and the support staff who sit behind them. Each officer card carries a direct line and a personal NMLS record worth checking yourself. If a name was already handed to you, open that profile and write that person. If you do not, keep reading and then use the match note at the bottom of the page.

1st Advantage Mortgage is a Charlotte mortgage broker. The cards below belong to licensed officers and to the support seats that sit behind them. Look each number up on NMLS Consumer Access before you treat a name as cleared for the state your property sits in.

Meet the team

Industry-Leading Support Every Step of the Way

You work with a named person, not a rotating call queue. Filter the cards by role if you want only licensed officers, or only the support seats. You can also dial a direct number from the card itself. The public lookup for any of those numbers is NMLS Consumer Access.

Who is 1st Advantage?

1st Advantage Mortgage is a Charlotte mortgage broker that opened in 2023. The company file is 2468711. The founders’ longer work history is told on the story page, along with the uptown suite details, so this roster can stay focused on who you might actually call.

A file here is priced through wholesale channels rather than being limited to one bank’s shelf. That is the working definition of the brokerage, not a slogan layered on top of a single-investor desk.

How Our Loan Officers Work With You

One licensed officer stays attached to your file from the first conversation through closing. That person reviews what you are trying to do, lines up competing wholesale quotes and walks through cost and calendar together so you are not judging a loan by a rate alone.

After you apply, processing gathers documents and places outside orders such as the appraisal and title work. Client support helps keep dates and messages from drifting. The officer remains the person who unpacks a condition or a program choice.

Different colleagues lean toward different kinds of files. Some weeks that means a first-home purchase, a refinance, a bank-statement path for someone who is self-employed, or an investment-property structure. The card and the profile behind it are the right place to see who publicly handles which of those conversations.

Where Our Team Is Licensed

Company licensing currently covers Pennsylvania, Texas, Florida, Virginia and both Carolinas. Look up 2468711 to see the current list rather than treating this paragraph as a permanent engraving. Each officer holds a personal combination of those states, and the card attached to that person is what shows where they may take an application today.

Most of the faces above work the Charlotte region, including Charlotte, Gaston County, Union County and York County, South Carolina. Households farther out still use the same roster; start with North Carolina, South Carolina, Florida or the full locations index if you already know the city.

Why Work With a Mortgage Broker Team

A mortgage broker is not a balance-sheet lender. Wholesale comparisons can surface program choices a single bank may not put on the table. For a fuller argument, read why buyers use a broker and how that differs from a lender. Licensed officers who want to join the roster can look at careers.

1st Advantage Mortgage is an Equal Housing Opportunity company.

How to read the cards without guessing

Start with the state the property sits in. If that officer’s card does not list it, keep moving. Next look at the towns named on the profile linked from the card. A person who publishes Gastonia and Rock Hill as regular work is a more natural first call for those cities than someone whose page is built around a different corridor, even if both people work at the same brokerage.

Then look at the kind of file you actually have. A self-employed household, a first-home purchase, a jumbo question and a cash-out request are not interchangeable conversations. The profile pages describe those leanings in the officer’s own words. This roster is the index, not a substitute for those pages.

Melissa Vittatoe’s card is a processor seat, not an originator seat. April McCune’s card is the engagement director seat. Neither of those roles can open a file or publish a price. Write them when the file is already moving or when you need help finding the right licensed colleague.

What to put in the match note so it does not bounce around

A note places faster when it names the town, says purchase or refinance, mentions any referred officer and flags a contract date if one already exists. A sentence that only says you need a letter has to be decoded before anyone can answer it.

If two people in the household have already written two different colleagues, mention both names. It is easier to join those threads than to watch duplicate replies go out. If a listing agent needs the letter, add that agent’s email so the reply can travel with the document.

People who only want to browse can keep reading the story page or start from the contact page instead of forcing a routing decision they do not need yet.

Read our story or see what clients say.

Not sure who to call?

Tell us your situation and we'll match you.

Send one note with the property city, whether this is a purchase file or a refinance file, and any name you were already given. The colleague who fits that market and file type will answer. If you would rather pick from the cards yourself, do that instead; the form is only for people who want a hand with the matching.

Get matched
Questions

Questions about who to call on this roster

Do I have to pick someone from the cards, or will you assign a person?

Either path works. Open a profile and write that officer, or send the match note with the city and the kind of file you have. This page is always the current list, because every licensed officer appears here with a card, a direct line and an NMLS number.

Which states appear on the company license right now?

Pennsylvania, Texas, Florida, Virginia and both Carolinas, subject to what NMLS Consumer Access shows under 2468711 today. Each officer holds a personal subset of that list, which is why the card matters as much as the company file.

Can I request a person by name?

Yes. Use the profile linked from that card, or name the person in the match note so the introduction is not duplicated.

What if the property sits outside the states you cover?

You will hear that before an application is opened. A file cannot be taken in a state the company does not cover, and a particular officer cannot take it unless that person's own record allows it.

How should I choose among so many cards?

Filter first by the property's state, then by the towns named on the profile, then by the kind of file you have. If that still leaves more than one good fit, send the match note and say so.

Will the same officer stay on my file after I apply?

Yes. One licensed officer stays attached from the first conversation through closing and keeps the direct line published on that profile.

Are the officers on this page licensed only in North Carolina?

No. Personal licenses vary. Tell us where the property is, or read the card, before you assume a particular person can take that file.

How do I check a number I see on a card?

Type it into NMLS Consumer Access. The profile page repeats the number, and the company file is 2468711.

Does this firm lend its own money?

No. It is a licensed mortgage broker, file 2468711. Wholesale comparisons are how a file here gets priced.

Do I need to visit the uptown suite to get started?

No. Many households never do. The story page explains how remote applications work and where signings are scheduled. The suite details live on the story page and the contact page if you do want to go in person.