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Michael Vittatoe

Managing Partner / Loan Officer | NMLS #1906987

Michael Vittatoe, Managing Partner / Loan Officer at 1st Advantage Mortgage
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About Michael

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.

Loan programs Michael works with

ConventionalFHAVAUSDAJumboInvestmentAdjustable-rate

1st Advantage Mortgage compares offers from multiple wholesale lenders on every file instead of fitting borrowers to a single institution’s product.

How to reach Michael

Call (704) 685-0235, email michael@firstadvantagemortgage.com, or send the form and it goes straight to Michael.

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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.

Let’s find the right home loan for you

Tell Michael what you are buying or refinancing and roughly where you stand, and you will get a straight answer on what you qualify for and what it costs. No credit pull to start the conversation.

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Reviews

Customer Testimonials

Reviews clients left on Google, published here through Trustindex exactly as they were written. Nothing is filtered and nothing is written by us.

Read all client reviews
Questions

Frequently asked questions

Who is Michael Vittatoe?

Michael Vittatoe is a Managing Partner and Loan Officer at 1st Advantage Mortgage, the independent mortgage broker he helps lead from 128 S Tryon Street in Uptown Charlotte. His individual NMLS ID is #1906987, and he works directly with buyers and homeowners on purchase and refinance loans.

Which areas does Michael Vittatoe focus on?

Michael focuses on Gaston County and the west side of the Charlotte metro, including Gastonia, Belmont, Mount Holly, Dallas and Stanley. He also works with clients in Charlotte, Matthews, Mooresville and Fort Mill, SC.

What kinds of loans does Michael help with?

Michael handles purchase loans, refinances and cash-out refinances using conventional, FHA, VA, USDA, jumbo and investment property financing. Because 1st Advantage is a broker, he compares offers from multiple wholesale lenders on every file instead of fitting you into one bank's products.

What do clients say about working with Michael?

In Google reviews, clients describe Michael as knowledgeable, responsive and good at explaining options. One October 2026 reviewer wrote that he "made the mortgage process easy to understand," and others credited him with helping them get into their new home. You can read every review on our client reviews page.

Can Michael help first-time buyers in Gaston County?

Yes. In Gastonia, Mount Holly and nearby towns, North Carolina's $15,000 NC 1st Home Advantage Down Payment and USDA-eligible addresses around Dallas and Stanley can lower the cash you need. Michael checks those options before you start making offers.

Can Michael help me refinance?

Yes. Michael reviews your current rate, balance, equity and plans, then compares refinance offers from several lenders and shows you the break-even month. If waiting makes more sense, he will tell you.

How do I verify Michael's license?

Look up NMLS ID #1906987 on NMLS Consumer Access (nmlsconsumeraccess.org) to see Michael's current state licenses and any history. 1st Advantage Mortgage's company NMLS is #2468711.

How do I contact Michael Vittatoe?

Call Michael directly at (704) 685-0235, email michael@firstadvantagemortgage.com, or use the form on this page, which goes straight to him.