Our Mission is Simple: Make Mortgages Easy & Less Stressful in Charlotte, NC
Discover how 1st Advantage Mortgage simplifies mortgages. Expert guidance, diverse loan options, and exceptional service. Contact us today.
The 1st Advantage Mortgage Story
Welcome to 1st Advantage Mortgage, a premier Mortgage Broker proudly serving the community since 2023. Our dedication over the years has honed our expertise in what truly matters to our clients: diverse mortgage options, reliable on-time closings, and a track record of satisfied homeowners.
Our mission is to empower you with the knowledge and resources essential for making well-informed mortgage decisions. We provide an array of tools, including a regularly updated blog with the latest in mortgage news and insights, comprehensive educational guides, e-books, and user-friendly mortgage calculators. These resources are designed to assist you in understanding home loan rates, different types of home loans, and the overall mortgage process.
Home Loans For Everyone.
Whether you’re stepping into your first home, refinancing your current mortgage, or exploring investment property financing, our extensive range of products is tailored to meet your needs. Our offerings include Conventional loans, FHA loans, USDA loans, VA loans, Jumbo loans, First-time homebuyer loans, Construction loans, and more, ensuring that you find the perfect fit for your financial situation.
Choosing the right mortgage lender is crucial, and we’re here to make that choice straightforward and rewarding. Our team of seasoned professionals is dedicated to providing you with personalized guidance and support every step of the way.
Easy Mortgage Meets Thoughtful Customer Experience
We’re committed to delivering a 5-star mortgage experience, underscored by our recognition as a top mortgage lender in our area.
Ready to embark on your mortgage journey with us?
Contact us today at 704-343-8681. You can also request a quick quote or complete a full application online. Experience why we’re celebrated as a leading mortgage broker, renowned for our commitment to excellence and customer satisfaction. Let’s make your homeownership dreams a reality!
How Can We Help You?
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.
Frequently asked questions
Are you a broker or a lender?
Both. 1st Advantage Mortgage is a licensed mortgage broker and lender in Charlotte, NC. As a broker we compare multiple wholesale lenders on every file rather than offering one bank’s own products.
Where is your office?
128 S Tryon St Suite 1933, Charlotte, NC 28202. Phone 704-343-8681.
How big is the team?
Licensed loan officers, plus a processor and a loan officer assistant. Every licensed officer has their own NMLS number you can look up.
How do I check your license?
Company NMLS is #2468711. Look it up on NMLS Consumer Access, along with any individual officer.
How long has 1st Advantage Mortgage been in business?
The company was founded in 2023. The founders have worked in mortgage lending since 2005, which is where the longer track record comes from.
Why does being both a broker and a lender matter?
It means the file is not tied to one institution's product. As a broker, we compare offers from multiple wholesale lenders on every file, so you can review pricing and program fit before moving forward.
Where do most of your clients buy?
Across the Charlotte metro: Mecklenburg, Gaston, Union, Cabarrus and Iredell counties in North Carolina, and York and Lancaster counties in South Carolina.
How do I get started?
Call 704-343-8681, email sales@firstadvantagemortgage.com, or start the application online. A licensed officer follows up, and pre-approvals are usually turned around within 24 hours.