Michael Winfield Vittatoe

NMLS 1906987

128 S Tryon St. Suite 1933, CHARLOTTE NC 28202

Get to know Michael

At 1st Advantage Mortgage, we’re dedicated to helping individuals and families navigate the home loan process with ease. Whether you're purchasing a new home or refinancing, we offer personalized mortgage solutions and competitive rates tailored to your needs. We work closely with real estate professionals to ensure a smooth and stress-free transaction. Experience the 1st Advantage difference and let us guide you toward the best mortgage solution for your homeownership goals.

Why choose Michael?

Licensed in:

Florida

North Carolina

South Carolina

Texas

Virginia

Loan Products:

Adjustable-Rate Mortgages (ARM)

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Ginnie Mae

Jumbo Loans

Non-Conforming Loans

USDA

Years of experience:

Languages spoken:

English

Spanish

Questions? Michael has answers.

We prompted questions to Michael so you can learn more about their skills, preferences, and availability.

What documents do your clients need to start the process?

Most borrowers need an ID, pay stubs, W-2s or tax returns, and bank statements. We provide a simple checklist to guide you.

What are your typical fees or lender costs?

Fees vary by loan, but we’re transparent and competitive. Many clients save money with us compared to big banks.

How do you provide rate quotes for clients who want to protect their credit score?

We use soft credit checks to provide accurate rate quotes without lowering your score.

Where and how do you typically connect with clients?

We meet in Charlotte, Greenville, or virtually by phone, email, or video—whatever works best for you.

What should clients expect when working with you from start to finish?

Expect clear communication, quick pre-approvals, competitive rates, and full support through closing.