Built on Memphis.
Built on Trust.
WMMC Construction was founded on a simple belief: every family deserves a quality home — and that home should build wealth, not just shelter. Charles Lott Jr. has spent his career turning that belief into a business.
From banking boardrooms to construction sites, Charles has walked every side of the real estate transaction. That full-picture perspective is what makes WMMC different — and what makes our homes better.
Charles Lott Jr. — Builder. Developer. Investor. Memphis Native.
Charles Lott Jr. grew up in Memphis. He didn’t leave to make his name — he stayed, invested, and built it here. That’s not just a nice origin story. It’s the reason he builds the way he builds.
Before he ever broke ground on a house, Charles spent years as a banking executive, sitting across from some of the most complex distressed residential transactions in the region. He learned how banks value properties, how investors think, how deals get structured and how they fall apart. Over his banking career, he personally negotiated more than $25 million in distressed residential assets — a master class in real estate from the balance sheet side.
That knowledge didn’t stay in the office. Charles took it into the field, becoming a licensed REALTOR® and eventually selling more than 100 homes across Memphis. He wasn’t just moving properties — he was studying the market, understanding what families needed, and learning what it took to build a home worth living in.
When WMMC Construction was born, it carried all of that forward. Charles wasn’t starting a construction company to build houses. He was building a vehicle for wealth — for his clients, for Memphis, for the next generation.
His track record speaks to that vision. WMMC was selected as the chosen builder for the Uptown Memphis redevelopment, and Charles has served as lead developer on the 100 Blocks project — a $100 million initiative reshaping the city’s urban fabric. These aren’t just contracts. They’re a statement about what kind of builder WMMC is — and what kind of Memphis Charles is working to create.
Today, Charles brings that same vision to every project WMMC takes on — whether it’s a custom build on a private lot, a spec home in a redeveloping neighborhood, or a cash purchase from a homeowner looking for an exit. He thinks like a banker. He builds like a craftsman. He invests like someone who believes in what’s coming for Memphis.
Early Career
Banking executive — learned real estate finance from the inside, negotiating distressed residential assets across the Mid-South.
$25M+
Negotiated over $25 million in distressed residential assets, developing a deep understanding of property valuation and market cycles.
100+ Homes
Sold over 100 homes across Memphis, earning a reputation for quality, transparency, and results.
Uptown
Selected as the chosen builder for Memphis's Uptown redevelopment — a landmark designation that cemented WMMC's role in the city's future.
$100M
Lead developer for the 100 Blocks project — a $100 million initiative transforming Memphis's urban core.
Today
WMMC Construction continues to build premium homes, invest in Memphis communities, and help families create lasting wealth through real estate.
Our Core Values
Integrity
We say what we mean and do what we say. Your home is our reputation.
Excellence
We don't settle for good enough. Every detail matters, from the foundation up.
Community
Memphis is home. Every home we build invests back into the city we love.
Wealth Creation
Homeownership is the most proven path to generational wealth. We build with that in mind.
Ready to Build with WMMC?
Schedule a consultation with Charles and start turning your vision into your home.
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