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We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Michael Vittatoe, local mortgage broker serving Belmont, Mount Holly, Kings Mountain, and Clover SC with FHA, VA, and refinance loan solutions.

Michael Vittatoe

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James Scott, local mortgage broker serving Pineville, Fort Mill, and the greater Charlotte area with FHA, VA, and refinance loan solutions.

James Scott

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Charlie Sears, Loan Officer at 1st Advantage Mortgage in Charlotte and Gaston County NC – helping families with home loans, refinancing, and first-time buyer programs.

Charlie Sears

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Alex Hodgson, local mortgage broker serving Gastonia, Belmont, and Mount Holly NC with FHA, VA, USDA, and refinance home loan options.

Alex Hodgson

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Nick Fink, mortgage loan processor at 1st Advantage Mortgage, ensuring accurate documentation and smooth closings for homebuyers and homeowners.

Nick Fink

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Headshot of Katie Smith, Engagement Director at 1st Advantage Mortgage, smiling in a professional setting.

Katie Smith

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Xai Yang, trusted mortgage broker serving Hickory, Newton, Conover, and Granite Falls NC with FHA, USDA, and refinance home loan solutions.

Xai Yang

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Jonathan Hafer, trusted mortgage broker serving Fort Mill, Rock Hill, and Clover SC with FHA, VA, and refinance home loan solutions.

Jonathan Hafer

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Smiling portrait of a Senior Loan Officer specializing in personalized mortgage solutions for first-time buyers and refinancing homeowners.

Fany Miranda

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Jennifer Scott, professional mortgage loan officer in Charlotte, smiling confidently in her office, ready to provide expert home loan advice and personalized mortgage solutions.

Jennifer Scott

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Chelsea Reeder, local mortgage broker serving Greenville, Simpsonville, and Mauldin SC with FHA, VA, USDA, and refinance home loan solutions.

Chelsea Reeder

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Byron Parks

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Tyrone Reed, local mortgage broker serving Douglasville, Lithia Springs, and Carroll County GA with FHA, VA, USDA, and refinance home loan solutions.

Tyrone Reed

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Who is

1st Advantage?

Industry-Leading Support Every Step of the Way

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1st Advantage Mortgage was founded by two experienced mortgage brokers, Michael Vittatoe and James Scott, who shared a vision for building a mortgage company that truly supported its loan officers and clients. With years of industry experience, they knew the frustrations of working with lenders that didn’t provide the right tools, fair compensation, or strong support.

They created 1st Advantage Mortgage to give brokers the freedom to grow their businesses while offering clients the most competitive rates and best loan programs available. Built on trust and efficiency, 1st Advantage Mortgage provides its team with the smoothest onboarding, top-tier compensation, and a dedicated support system that’s always ready to help.

The mortgage company you’ve always wanted to work with—and the one homebuyers can truly rely on—is 1st Advantage Mortgage.

Michael Vittatoe, local mortgage broker serving Belmont, Mount Holly, Kings Mountain, and Clover SC with FHA, VA, and refinance loan solutions.
James Scott, local mortgage broker serving Pineville, Fort Mill, and the greater Charlotte area with FHA, VA, and refinance loan solutions.
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