Based in Charlotte, NC, Charlie Sears is a trusted Loan Officer with 1st Advantage Mortgage, focused on guiding clients through one of the biggest financial decisions of their lives. Charlie’s approach is simple: listen first, understand each borrower’s goals, and then tailor a loan strategy that fits both immediate needs and long-term plans.

With experience helping buyers across Charlotte, Gaston County, and surrounding areas, Charlie specializes in creating smooth lending experiences — from the first conversation to the closing table. He has worked with clients seeking everything from starter homes to investment properties, and takes pride in offering clear, practical advice rather than a one-size-fits-all solution.

Charlie’s knowledge of conventional, FHA, VA, and USDA programs allows him to recommend loan options that best match his clients’ financial situations. He works closely with real estate agents, ensuring transactions move quickly while keeping borrowers informed at every step.

Outside of the mortgage world, Charlie enjoys spending time in the Queen City community, supporting local events, and staying active outdoors. His dedication to both his clients and his hometown makes him a valuable resource for anyone looking to finance a home in the Charlotte region.

Reach out to Charlie Sears today to explore your mortgage options with 1st Advantage Mortgage in Charlotte, NC.