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.