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1st Advantage Mortgage

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United States
Charlotte, NC
1st Advantage Mortgage

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Charlotte, NC mortgage broker. FHA, VA, USDA, conventional, jumbo, refinance loans. NMLS #2468711

10/31/2026

🏚️👻 YOU JUST BOUGHT A HAUNTED MANSION… BUT THERE'S A CATCH! 🎃

Congratulations! You're officially the proud owner of a gorgeous, slightly haunted mansion. 🏰✨

The good news? It comes with some INCREDIBLE features.

The bad news? You can only keep THREE! 😱

So… what's making your must-have list?
🚪 A — SECRET PASSAGEWAYS: Hidden doors, secret staircases, and mysterious tunnels. Perfect for avoiding unexpected guests… living or otherwise. 👀

📚 B — MASSIVE LIBRARY: Floor-to-ceiling bookshelves, cozy fireplaces, and maybe a ghost librarian who judges your reading choices. 📖

🍿 C — UNDERGROUND THEATER: The ultimate movie night setup! Just ignore the mysterious figure sitting in the back row. 🎬

🌙 D — ROOFTOP TERRACE: Stunning views, cozy seating, and the perfect spot for midnight gatherings. BYOB… Bring Your Own Broomstick! 🧹

🏊 E — INDOOR POOL: Swim year-round in your luxurious private pool. Just don't ask what's making those ripples when nobody's swimming. 👻

🕸️ F — MYSTERIOUS ATTIC: Hidden treasures, antique trunks, and a locked door that's definitely NOT making strange noises at 3 AM. 🔑

🎃 THE RULES ARE SIMPLE:
✅ Pick THREE features.
❌ No swapping.
👻 Ghosts are included at no additional charge!
👇 DROP YOUR THREE LETTERS IN THE COMMENTS!

We're curious who's choosing luxury… and who's choosing a paranormal adventure. 😂

💜💙 At 1st Advantage Mortgage, we love talking about dream homes… even the slightly haunted ones!

🏡 First Advantage Mortgage
More than a mortgage.

10/30/2026

🍁🏡 YOU HAVE ONE WEEKEND AND $500 TO GIVE YOUR HOUSE A FALL MAKEOVER!

The pumpkins are calling. 🎃 The cozy blankets are waiting. And your Pinterest board has been preparing for this moment ALL YEAR. 😂
But there's a catch…
💰 Your budget is $500.
⏰ You only have ONE weekend.
🏡 You have to choose where to spend it!

Here's your fall makeover menu:
🎃 A — Porch Decor: $150
🌿 B — Landscaping: $200
✨ C — Cozy Lighting: $125
🛋️ D — Interior Accessories: $175
🔥 E — Outdoor Entertaining: $250

You can choose ONE project or mix and match as many as your budget allows!
🍂 THE CHALLENGE: Build your dream fall makeover without going over $500!
Are you going all-in on curb appeal? Making your living room ridiculously cozy? Or creating the ultimate backyard bonfire setup?

👇 DROP YOUR LETTERS IN THE COMMENTS!
Bonus points if you use every dollar. 😂
Because sometimes the best part of homeownership is making your space feel like HOME. 💜💙

First Advantage Mortgage
More than a mortgage.

10/29/2026

🚨 YOUR CLOSING GOT DELAYED… AND YOUR MORTGAGE RATE LOCK IS ABOUT TO EXPIRE?! 😳🏡
You've found the perfect home. Your offer is accepted. Your mortgage rate is locked. Everything is moving along…
Then you get THE call. 📞
"We're going to need to push your closing date back."
Now what happens to that interest rate you locked in?!
🔒 FIRST, WHAT IS A RATE LOCK?
A mortgage rate lock generally protects your interest rate for a set period, commonly 30, 45, or 60 days, as long as the lock conditions are met.
⏰ WHAT IF YOUR CLOSING GETS DELAYED?
Your lender may be able to extend your rate lock, but there are a few things to consider:
✅ Extensions aren't always automatic.
💰 Some extensions come with additional fees or pricing adjustments.
📈 If your lock expires, your new rate may depend on current market pricing and your lender's policies.
🏗️ BUYING NEW CONSTRUCTION? THIS IS ESPECIALLY IMPORTANT!
Construction timelines can shift because of weather, materials, inspections, permits, or unexpected delays.
That's why it's important to discuss your estimated completion date, available rate-lock periods, potential extension costs, and longer-term lock options with your lender EARLY in the process.
💡 PRO TIP: Don't wait until your rate lock is about to expire to ask questions. Keep your lender updated about any changes to your closing timeline!
💜💙 At First Advantage Mortgage, we believe understanding your financing options should be part of the homebuying process from day one.
📲 Buying a home or building new construction? Let's talk about your mortgage strategy before the clock starts ticking!
First Advantage Mortgage
More than a mortgage.

10/28/2026

💼 SELF-EMPLOYED? THINK GETTING A MORTGAGE IS IMPOSSIBLE? THINK AGAIN! 🏡
You built the business. You manage the clients. You handle the expenses. You're the boss! 👏
But when it's time to buy a home, you might wonder…
🤔 "How does a mortgage lender calculate my income when I work for myself?"
Here's what you should know!
Unlike traditional W-2 employees, self-employed borrowers may need to provide additional documentation to verify their qualifying income.
📄 TAX RETURNS: Personal and business tax returns may help lenders understand your income history.
📊 BUSINESS FINANCIALS: Profit-and-loss statements, balance sheets, and other records may be requested.
💰 INCOME CALCULATIONS: Your qualifying income isn't necessarily the same as your business revenue or the amount deposited into your bank account.
🏦 LOAN OPTIONS: Documentation requirements and qualifying guidelines vary depending on the loan program, lender, and your individual financial situation.
✨ HERE'S THE IMPORTANT PART:
Being self-employed doesn't automatically disqualify you from buying a home!
The key is understanding how your income will be evaluated BEFORE you start house hunting.
💜💙 At First Advantage Mortgage, we're here to help business owners understand their mortgage options and navigate the financing process with confidence.
📲 Self-employed and thinking about buying or refinancing? Send us a message! Let's talk about your options.
First Advantage Mortgage
More than a mortgage.

10/27/2026

✨ LUXURY ISN'T ALWAYS ABOUT THE PRICE TAG. 🏡
Sometimes, it's the little things that make a house feel like a million bucks. 😍
💡 Lighting that sets the perfect mood.
🚪 Hardware and finishes that just work together.
☀️ Oversized windows that flood the room with natural light.
🌿 Landscaping that makes coming home feel special.
🤍 Crisp trim and beautiful finishing touches.
🗝️ Smart storage that makes everyday living easier.
Because a luxurious home isn't always the biggest house on the block. Sometimes, it's simply a home where every detail feels intentional.
💜 At First Advantage Mortgage, we believe finding the right home is about more than a mortgage. It's about finding a place that feels like YOU.
👇 YOUR TURN: Which little luxury would you want most in your dream home?

10/26/2026

🏡 YOUR MORTGAGE PAYMENT WENT UP… BUT YOUR INTEREST RATE DIDN'T?! 😳

Wait… how does THAT happen?!
Here's something many homeowners don't realize: Your mortgage payment can increase even when you have a fixed interest rate!

The reason? Two little things called property taxes and homeowners insurance. 👀

💰 PROPERTY TAXES: If your property taxes increase, your lender may need to collect more money each month through your escrow account.

🛡️ HOMEOWNERS INSURANCE: If your insurance premium goes up, your monthly escrow payment may increase, too.

📊 ESCROW SHORTAGES: If your escrow account doesn't have enough money to cover your bills, your lender may temporarily increase your payment to make up the difference.

💡 THE GOOD NEWS? A higher monthly payment doesn't necessarily mean your mortgage interest rate changed!

👉 Swipe through our carousel to see a real-world-style example of how this works.

📩 Have questions about your mortgage payment, escrow account, buying a home, or refinancing? We're here to help!

First Advantage Mortgage
More than a mortgage. 💜💙

10/23/2026

⭐️⭐️⭐️⭐️⭐️ GREAT SERVICE ISN'T JUST ABOUT GETTING TO THE CLOSING TABLE. IT'S ABOUT SHOWING UP FOR YOUR CLIENTS EVERY STEP OF THE WAY. 🏡💜

Not every homebuying journey goes exactly as planned. But having the right mortgage lender in your corner can make all the difference.

At 1st Advantage Mortgage, we believe every client deserves patience, honest communication, personalized mortgage solutions, and someone who genuinely cares about their goals.

💬 Here's what Kyisha had to say about working with Loan Officer Kenneth "Kenny" Kivuti:

Even though her home purchase didn't work out this time, she recognized Kenny's dedication, professionalism, and willingness to go above and beyond to help her navigate the mortgage process.

And THAT is what we're all about! 🙌

Whether you're a first-time homebuyer, purchasing your next home, exploring refinancing options, or simply trying to understand what you can afford, we're here to help you make informed decisions with confidence.

🤝 REALTORS®: Your clients deserve a lending partner who communicates, problem-solves, and stays committed even when transactions get complicated.

🏡 HOMEBUYERS: You deserve a mortgage lender who treats your homeownership goals like they matter—because they do!

📲 Let's talk about your home financing goals!

💜 Great People. Smoother Closings. Happier Clients.

10/23/2026

🏡💍 LOVE IS PATIENT. LOVE IS KIND. BUT LOVE DOES NOT WANT TO CLEAN THE BATHROOM. 😂

Let's put your relationship to the ultimate test! 👀

You and your partner just bought a house, and now it's time to divide up the household chores. 🧹🔨

The rules are simple: 6 chores. 2 people. No hiring help. NO skipping chores! 🤣

🌱 Mowing the lawn
🍳 Cooking
🧺 Laundry
🧽 Cleaning bathrooms
🔨 Handling repairs
🗑️ Taking out the trash

WHO'S DOING WHAT?! 👇

Are you splitting things 50/50, negotiating like you're closing a real estate deal, or suddenly pretending you don't know how the washing machine works? 😂

💬 Drop your chore assignments in the comments! Bonus points if you tag your partner and they disagree with your answers. 🍿🤣

Because buying a house together is exciting… figuring out who's cleaning it is where the REAL negotiations begin! 🏡❤️

10/19/2026

We had a great night at the African Diaspora Gala in Raleigh! 🌍✨ Loan officer Kenneth Kivuti teamed up with realtor Fatima Diallo at our vendor table to talk with families about getting pre-qualified, home equity, and what it takes to buy a home or refinance.

Thank you to everyone who stopped by, and to the organizers for a beautiful celebration of community.

Thinking about buying or refinancing in North Carolina? Let's talk. 1st Advantage Mortgage is a local broker. We shop your application with multiple lenders and walk you through every option.

10/17/2026

🚨🏡 THE ULTIMATE GARAGE SHOWDOWN!

Your garage can only serve ONE purpose for the rest of your life. 😳
No splitting the space. No compromises. No "I'll just squeeze this in the corner."
YOU HAVE TO PICK ONE! 👇

🚗 A: ACTUAL VEHICLE PARKING
Because maybe, just MAYBE, the garage should actually be used for cars. 😂

🏋️ B: HOME GYM
Your own personal fitness space. No membership fees, no commute, and no waiting for equipment!

🔨 C: ORGANIZED WORKSHOP
A dream setup for DIY projects, tools, and finally fixing that thing you've been putting off for six months.

🎄 D: PERMANENT HOLIDAY STORAGE
Because somehow you own 47 bins of Christmas decorations, 12 wreaths, and an inflatable Santa that needs his own parking spot. 🤣

💬 LET'S SETTLE THIS DEBATE!

Which one are you choosing? A, B, C, or D?

👇 Drop your letter in the comments and DEFEND your choice!

🏡 Whether you're searching for your first home or dreaming about your next one, the features that matter most are the ones that fit YOUR lifestyle.
At 1st Advantage Mortgage, we're here to help you explore your home financing options so you can focus on finding a place that checks your boxes!

📲 Follow us for more homeowner humor, mortgage tips, and homebuying advice!

Address

128 South Tryon Street, Suite 1933
Charlotte, NC
28202

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	8am - 8pm
Sunday	8am - 8pm

Website

https://firstadvantagemortgage.com/

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