I love working with active military personnel looking to put down roots for themselves and their families. I can help you find the right loan to meet your goal.

As your trusted mortgage advisor, I specialize in working with first-time homebuyers, buyers looking to build a new home, and those serving in the military in North Carolina and Virginia. I like helping buyers get mortgages for new construction, assisting first-time homebuyers with down payment assistance programs, and helping military personnel take advantage of VA loans.

I’ve been in the mortgage industry for 35 years. At Atlantic Coast Mortgage, we work together not only to close the loan but elevate beyond expectations the homebuying and refinancing experience for our homeowners.

I grew up in McLean, Virginia, and now reside in Greensboro, North Carolina. When I’m not helping clients, I support Brenner’s Foundation, which helps motivate and inspire individuals and corporations to support our veterans and homeless shelters through acts of kindness and leadership. I love hanging out with family and friends and going to the movies. Traveling is a passion of mine. When I’m not traveling, I love to read, make holiday crafts, and redecorate my home.

Licensed in:
North Carolina, Virginia
Awards & Achievements
  • Top Women Originators, Scotsman Guide (2022)
  • Top Originator, Scotsman Guide (2022)
  • Top Mortgage Professional, Washingtonian Magazine (2022)
  • Top Producers, National mortgage News (2022)
  • Top 200 Mortgage Originators in America, Mortgage Executive Magazine (2021)
  • Top 1% Mortgage Originators in America, Mortgage Executive Magazine (2021)
  • Leading LOs: Top Originators, NMP Magazine

Georgia Residential Mortgage Licensee

The Char-Lee Smith Team

Char-Lee Smith's Profile Photo
Char-Lee Smith

Sr. Loan Officer
NMLS ID 485886
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Pamela Thompson's Profile Photo
Pamela Thompson

Loan Officer Assistant
NMLS ID 1715703

What Others Are Saying About Char-Lee

“Char-Lee helped me with my first homebuyer experience, and I couldn't be happier! She was very detailed-oriented and really took care of my needs. I strongly recommend her services!!”
  • M. Hughes
“Char-Lee was on point/very responsive, super knowledgeable, and closed my loan on time. I would definitely work with her again and would certainly recommend her to anyone needing assistance of a lender.”
  • J. Hawes
“My husband and I were referred to Char-Lee a few years ago when we moved to the area and were buying our home here. She was amazing, and we have since then did a refinance and recently just closed on our construction loan. We will always go back to her for business. She is fast and goes above & beyond! We always tell anyone we refer to her that if Char-Lee can't do it, no one can. She is very knowledgeable!!”
  • L. Byrne
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Homebuying Essentials

Char-Lee Smith's Profile Image

Char-Lee Smith

Sr. Loan Officer NMLS ID 485886

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Address 10115 Kincey Avenue, Suite 195
Huntersville, NC 28078

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