Michael Vittatoe Mortgage Broker Charlotte NC | 1st Advantage Mortgage

Michael Vittatoe

Partner & Senior Loan Officer | NMLS#: 1906987

Michael Vittatoe is a Partner and Senior Loan Officer at 1st Advantage Mortgage in Charlotte, NC. He helps homebuyers and homeowners throughout Gastonia, Belmont, Mount Holly, Dallas, Stanley, and surrounding North Carolina communities.

Michael specializes in purchase loans, mortgage refinancing, FHA loans, VA loans, conventional mortgages, and first-time homebuyer programs. In addition, he works closely with clients to simplify the mortgage process and help them choose the right financing strategy for their goals.

Because Michael serves many buyers throughout Gaston County and the Charlotte metro area, he understands the local housing market and financing challenges that borrowers face. He focuses on clear communication, fast pre-approvals, competitive mortgage rates, and dependable service from application through closing.

Michael also works with real estate agents, builders, and referral partners across North Carolina and South Carolina. As a result, many clients appreciate his responsiveness, local knowledge, and ability to keep transactions moving efficiently.

At 1st Advantage Mortgage, Michael is committed to helping borrowers feel confident throughout the home loan process. Whether someone is purchasing their first home, refinancing to lower monthly payments, or exploring FHA or VA financing options, he works to provide personalized mortgage solutions that fit each client’s financial situation.

Based in Charlotte, NC, Michael proudly serves homebuyers and homeowners across Gastonia, Belmont, Mount Holly, Dallas, Stanley, and surrounding areas throughout North Carolina and South Carolina.

Let’s find the right home loan for you

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.

Customer Testimonials

     
 
 
      Posted on Google  
   
   Aliza 
 4 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Awesome to work with!
  
 
     Posted on Google  
   
   Lich Rahlan 
 1 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. At first i worked with another lender I described everything about my situation planned to buy a house at first they feel very  nice after that they denied my application they knew that its gonna be tough, they not trusted my work. After I found Kevin and his team Nathan they were great, i recommended at first im so hesitated to ask when I need help with something I didn't understand after that i feel comfortable to asked. The first time I talk with him I can feel he very happy to help me out  to get a house for our family I feel like he trusts in my worked, we had a struggle at the end but we did it, finally we closed on our home,because of their work,my worked,and our worked  together ❤️ .
  
 
     Posted on Google  
   
   morgan kristine 
 31 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. 10/10 would recommend!
  
 
     Posted on Google  
   
   angelica huffstetler 
 31 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I like the most that they helped me find the perfect loan & i would definitely recommend them to anyone 🙂
  
 
     Posted on Trustindex  
   
   angelica huffstetler 
 31 August 2026
 
 
 Trustindex verifies that the original source of the review is Trustindex. I like the most that they helped me find the perfect loan & i would definitely recommend them to anyone 🙂
  
 
     Posted on Google  
   
   Seth Wall 
 25 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Everything went really smooth. Charlie is quick to respond and had a good answer to every question I had. His team that works with him is also answers promptly. Overall, they create a smooth experience with something that can be very complex.
  
 
     Posted on Google  
   
   Jacob Dixon 
 21 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. This helped me and my wife buy our home. Kennith, our agent, work extremely hard to help answer our questions and get us to the finish line. I couldn't recommend this company more to people wanting to acquire a home. They even worked with me who had little to no credit, so they can help.
  
 
     Posted on Google  
   
   AVMG 
 19 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I’ve had the opportunity to connect with the team at 1st Advantage Mortgage, and they’ve been great to work with. They’re knowledgeable, professional, and genuinely seem to care about helping people understand their mortgage options rather than just pushing a loan. Their communication and willingness to explain the process really stand out. I would definitely recommend checking them out if you’re looking for a mortgage broker in the Charlotte area.
  
 
     Posted on Google  
   
   Rolly Marlow 
 14 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Michael is awesome. He was available to answer any financial questions and made sure we got the best rate.  He was a pleasure to deal with during this stressful time. Pick Michael, we are glad we did!!
  
 
     Posted on Google  
   
   Patrick Cox 
 13 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. As an agent it’s always crucial to build out your network with professional, quality, and communicative sources. It’s also a plus when they’re fun to work with as well! There’s no one better in the business. Can’t recommend these guys enough!
  
 
 
  
 
 
   Trustindex rating score: 5.0 of 5, based on 290 reviews