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1st Advantage Mortgage opened in 2023 as a Charlotte mortgage broker. The founders have worked in mortgage lending since 2005, which is the longer timeline behind a young company name. The office is suite 1933 at 128 South Tryon. The front desk answers at 704-343-8681.
The firm is not a balance-sheet lender. A file here can be priced with more than one wholesale lender, so you see more than a single bank’s menu before you decide how to proceed. The company record on NMLS Consumer Access is 2468711.
A 2023 name, and a separate 2005 timeline for the founders
People sometimes hear “since 2005” and “founded in 2023” in the same conversation and assume one of those dates is a slip. Both are true, and they describe different things. The company itself began in 2023. The people who started it had already been doing this work since 2005. If you want the current roster rather than the history, that lives on the team page.
The office sits in uptown Charlotte, in suite 1933 of the building at 128 South Tryon. Many households never need to walk into that suite. You can finish the application and most of the paperwork without coming into uptown, and the signing itself is scheduled with counsel or a title company near the house. The suite is there when you do want to sit down with someone.
That pairing of dates is also the reason this page does not pretend the company has been incorporated since 2005. The work history belongs to the founders. The legal entity is newer. If a third-party listing blurs those two facts, ask us to separate them rather than copying the blur.
What you are hiring when you hire a broker
A lender that keeps loans on its own books will show you what that institution is willing to offer. A broker’s job is different. The file is not tied to one warehouse of products. If you want a fuller explanation of that difference, read how a broker differs from a lender and why some buyers choose a broker rather than asking this page to repeat those guides.
In practice that means your officer can place more than one wholesale proposal in front of you and talk through fees, timing and program fit together. It also means an honest answer might be that the loan you already have is the better hold. The point is a comparison you can see, not a single packaged offer with the other options left offstage.
Why a 2023 name sits next to a much older pairing
The brokerage name is recent. The working relationship between the founders is not. Michael Vittatoe and James Scott have been originating together since 2005, and the 2023 name is the banner over that longer collaboration rather than the start of their time in the business. If you have been looking for a brand-new shop, that timeline should correct the picture. If you have been looking for a national retail logo, this is not that either.
What you are hiring is a brokered file: one application compared across wholesale lenders, with an officer who can explain why one overlay fits and another does not. That is a different product from a single institution’s shelf, and it is the reason this page exists separately from any one city guide.
Where the work happens when you never walk into the lobby
The team sits in Uptown, on South Tryon Street, in suite 1933. Many clients never walk through that door. You can apply and send documents online, and you sign near the property with an attorney or a title company depending on the state. Being based in Charlotte is not a requirement that you visit Charlotte.
If you want to know who might work your file, the team page is the directory. If you want to know how a particular city closes, open that city page. This story page stays with who we are and how the firm is built, so those other pages do not have to repeat the origin every time.
Where the work actually happens
Most of the households who find this firm are buying or refinancing around Charlotte. On the North Carolina side, files often come from Mecklenburg County and from Gaston, Union, Cabarrus and Iredell. On the South Carolina side, York County and Lancaster County show up regularly. That is a description of where files tend to come from, not a fence. The company license currently covers both Carolinas plus Virginia, Florida, Pennsylvania and Texas. Confirm the current list on NMLS Consumer Access under 2468711, and confirm the individual officer the same way before you count on a particular person for a particular state.
Market pages across the site go deeper on a given city. Use the locations index when you already know the town, then come back here if you still want the firm-wide picture.
Texas, Virginia, Florida and Pennsylvania files are taken only when company licensing and the individual officer’s record both allow it. A market page that mentions an officer is a pointer, not a substitute for checking that person’s number.
Who answers besides the person whose name is on the letter
The public-facing team is a group of licensed loan officers, plus a processor and a loan officer assistant. Every licensed officer publishes a personal NMLS record. The processor’s work starts after an application exists and is about documents, appraisals, title and getting a file ready for underwriting. The support role beside that is about keeping communication moving and helping new inquiries find the right officer.
Those support pages are not the place to ask which program to use. If you need someone authorized to open a file or walk through a structure, use the roster or call 704-343-8681 and ask to be pointed to a licensed officer.
Reading up before you call, if you want to
The firm keeps a blog, a set of guides and a payment calculator for people who like to arrive with questions already formed. None of those tools is a Loan Estimate, and none of them replaces a conversation about your actual income, property and timing.
Owners who are weighing whether to change a current loan should start with the refinance article. First-home shoppers can read the first-home overview. Reviews from clients are collected on the reviews page rather than restated here as a trophy line.
How Can We Help You?
The front desk answers at 704-343-8681. Written notes can go to sales@firstadvantagemortgage.com, or you can begin on the contact page. A licensed officer follows up. Pre-approvals are usually turned around within a day once the file has what that officer needs to review, though the letter still depends on meeting the lender’s requirements at that moment.
If you already know you want to file an application, or you would rather browse the roster first, use the buttons below.
If you were sent here by an agent who already works with one of our officers, say that officer’s name in the first sentence of your note. It saves a round of introductions and keeps the file with the person your agent already knows how to reach.
Legal information
¹ No-Down Payment Disclaimer: Closing costs and fees may still apply.
² Rates and Terms: We do not publish sample rates or payments. Your rate and terms depend on your credit, property, occupancy and loan program, change daily, and are provided only in a Loan Estimate after you apply. This is not an offer, quote, or commitment to lend. All loans are subject to credit approval, property appraisal, and program eligibility.
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 loans are available to eligible veterans, service members and surviving spouses, 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.
Questions people ask about the firm itself
Are you a lender that keeps the loan on its own books?
No. 1st Advantage Mortgage is a licensed mortgage broker in Charlotte, company NMLS 2468711. A file here can be priced with more than one wholesale lender instead of being limited to one institution's menu.
Where do we meet you if we want an in-person conversation?
Suite 1933 at 128 South Tryon, Charlotte, NC 28202. Many households handle the file without that visit, because the application and most documents can be completed from home and the signing is scheduled near the house.
Who works here besides loan officers?
A processor and a loan officer assistant support the licensed officers. Every licensed officer has an NMLS number you can look up on the team page.
What number should I look up for the company itself?
2468711 on NMLS Consumer Access. Look up the individual officer's number as well, because personal licenses are not the same list as the company file.
When did the firm open, and why do people also mention 2005?
The company was founded in 2023. The founders have worked in mortgage lending since 2005. Those two facts sit next to each other on purpose; they describe the firm and the people who started it.
Why would I call a broker instead of walking into a bank branch?
Because the file is not tied to one institution's products. For a longer walkthrough, use broker versus lender rather than expecting this page to reprint it.
Which counties around Charlotte show up most often?
Mecklenburg County, along with Gaston, Union, Cabarrus and Iredell, on the North Carolina side; York County and Lancaster County on the South Carolina side. Households outside that ring still write in; licensing, not habit, is what decides whether a file can be taken.
How do I start if I have not spoken with anyone yet?
Use the front desk number 704-343-8681, write sales@firstadvantagemortgage.com, or begin on the contact page. A licensed officer follows up, and pre-approvals are usually turned around within a day once the review file is complete.
Is 1st Advantage Mortgage a bank?
No. It is a mortgage broker. The firm compares wholesale lenders rather than keeping your loan on its own books.