Michael Vittatoe
Get to know me
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.
My experience
Licensed in:
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What you can expect from me.
Find answers to my most-asked questions, covering everything from how I'll support you to what you 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.
Fees vary by loan, but we’re transparent and competitive. Many clients save money with us compared to big banks.
We use soft credit checks to provide accurate rate quotes without lowering your score.
We meet in Charlotte, Greenville, or virtually by phone, email, or video—whatever works best for you.
Expect clear communication, quick pre-approvals, competitive rates, and full support through closing.