¡Tu casa propia está más cerca de lo que crees! Hablamos tu idioma y hacemos el proceso fácil.

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Sabemos que muchos agentes de préstamos hipotecarios tienen una reputación horrible. Algunos corredores sólo ven a sus clientes como transacciones y como un medio para ganar dinero rápido. Se muestran impacientes y agresivos, sin comprender que se trata de una decisión muy importante para usted. En Mission One Mortgage, adoptamos el enfoque opuesto. Alentamos a nuestros clientes a que se tomen todo el tiempo necesario para hacernos preguntas y revisar los documentos hipotecarios. Podríamos decir que nuestra misión es superar tus expectativas, pero preferimos mostrártelo. Desde asistencia para encontrar préstamos de la FHA, VA u otros hasta refinanciar su hipoteca actual, Mission One es el equipo en el que puede confiar.

Estas son solo algunas de las razones por las que los compradores de viviendas eligen Mission One Mortgage:

No Additional Fees

Sin cargos adicionales- Al brindar los servicios a nuestros clientes de forma gratuita, utilizar un agente hipotecario como Mission One Mortgage puede ayudarlo a buscar el mejor precio en préstamos sin un precio elevado.

Access to 50 Lenders

Acceso a 50 prestamistas- Con acceso a una variedad de préstamos y tasas de interés disponibles, Mission One Mortgage puede buscar los mejores préstamos para sus necesidades específicas.

Accessible to Our Clients

Accesible a nuestros clientes- Al brindar un servicio transparente y comunicativo a todos nuestros clientes, Mission One Mortgage garantiza que todas las llamadas telefónicas sean respondidas o devueltas de manera oportuna.

Setting You Up for Success

Preparándote para el éxito- Ayudándolo a preparar todos sus documentos para la aprobación previa y la solicitud de préstamo, Mission One Mortgage le proporcionará toda la información necesaria para obtener el mejor préstamo.

¡Contáctenos para servicio!

Consulta Gratuita phone-number (843) 822-5685

Para comprender los beneficios de trabajar con un agente hipotecario, primero debe comprender su papel en el proceso de compra de una vivienda.

¿Qué hace un corredor hipotecario?

Su agente hipotecario es un tercero que trabaja para conectarlo con prestamistas hipotecarios. Básicamente, un corredor hipotecario actúa como intermediario entre una persona que quiere comprar una vivienda y las entidades que ofrecen préstamos para comprar una vivienda. El agente hipotecario trabaja tanto con el prestatario como con el prestamista para obtener la aprobación del prestatario. También verifican y recopilan la documentación del prestatario que el prestamista necesita para finalizar la compra de una vivienda. Por lo general, los agentes hipotecarios tienen relaciones con varios prestamistas de préstamos hipotecarios. Mission One Mortgage, por ejemplo, tiene acceso a 50 prestamistas diferentes, lo que nos brinda una amplia gama de préstamos hipotecarios en Columbia, SC, de donde elegir.

Además de encontrar un prestamista para préstamos hipotecarios, su agente hipotecario lo ayudará a elegir las mejores opciones de préstamo y tasas de interés para su presupuesto. Idealmente, su agente hipotecario le quitará una gran cantidad de estrés y trabajo preliminar y, al mismo tiempo, le permitirá ahorrar dinero.

Ayuda con el proceso de aprobación previa

Si está listo para comprar una casa, obtener la precalificación es una excelente opción que agilizará todo el proceso. Su agente hipotecario facilita la obtención de la aprobación previa al obtener todos los documentos necesarios para obtener la precalificación. Al revisar su solicitud, determinarán si está listo para el proceso de aprobación previa. Si su solicitud necesita elementos adicionales, la compañía hipotecaria le ayudará a orientarle en la dirección correcta para garantizar que su solicitud sea lo más sólida posible. Su agente hipotecario también lo guiará a través de los diferentes tipos de préstamos, desde convencionales y FHA hasta VA y USDA.

Para obtener una aprobación previa para una casa en Carolina del Sur, debe tener lo siguiente:

  • Dos años de formularios W2
  • 30 días de recibos de pago del empleador
  • 60 días de extractos bancarios
  • Una licencia de conducir válida

Hipotecas convencionales

Los préstamos convencionales se pueden utilizar para comprar una casa nueva o refinanciar la actual. Los préstamos convencionales incluyen hipotecas a tipo fijo e hipotecas a tipo ajustable. Generalmente, los prestatarios deben realizar un pago inicial del 3% para los propietarios-ocupantes, del 10% para una propiedad de vacaciones y del 20% para una casa de inversión. Si puede pagar el 20% del coste total de la vivienda, podrá evitar el seguro hipotecario privado, que de otro modo sería obligatorio. Los compradores con buen crédito o las personas que necesitan una hipoteca no ocupada por el propietario suelen preferir las hipotecas convencionales.

Mortgage Company Columbia, SC
Mortgage Lending Service Columbia, SC

Préstamos de la FHA

Las hipotecas de la FHA son emitidas por el gobierno de los EE. UU. y respaldadas por el Departamento de Vivienda y Desarrollo Urbano (HUD). Los compradores de vivienda por primera vez suelen preferir este préstamo porque solo requiere un pago inicial del 3,5% y ofrece más flexibilidad con los requisitos crediticios y los estándares de suscripción. Los préstamos de la FHA tienen varios requisitos que debes cumplir para calificar. Comuníquese con Mission One Mortgage hoy para obtener más información sobre los préstamos de la FHA y si son o no los mejores para su situación financiera.

Préstamos del USDA

También respaldados por el gobierno, estos préstamos están asegurados por el Departamento de Agricultura de EE. UU. y no requieren pago inicial. Estos préstamos tienen requisitos de seguro más bajos en comparación con los préstamos de la FHA, ofrecen financiamiento del 100% si califica y permiten que el vendedor cubra los costos de cierre. Para calificar para un préstamo del USDA, debe vivir en un área rural y los ingresos de su hogar deben cumplir con ciertos estándares. Estos préstamos suelen ser los preferidos por los ciudadanos de bajos ingresos que viven en zonas rurales de Carolina del Sur.

Refinancing Columbia, SC
Refinances Columbia, SC

Hipotecas para veteranos

También conocidas como préstamos VA o de Asuntos de Veteranos, estas hipotecas están reservadas para los hombres y mujeres valientes que sirvieron en el ejército. Los préstamos VA ayudan a brindarles a nuestros miembros militares, veteranos y sus familias condiciones de préstamo favorables y una experiencia sencilla de ser propietario de una vivienda. A menudo, quienes califican no están obligados a realizar un pago inicial por su vivienda. Además, estos préstamos suelen incluir costos de cierre menos costosos.

Si es un veterano o un familiar de un veterano, comuníquese con Mission One Mortgage hoy para hablar con nuestra profesional examinada de VA, Debbie Haberny. Debbie ayuda a nuestros miembros militares, veteranos y sus familiares a obtener préstamos hipotecarios utilizando beneficios para veteranos y estará encantada de ayudarle en la búsqueda de una casa.

q. Estaba hablando con mi cónyuge sobre agentes hipotecarios y mencionaron la frase originador de préstamos hipotecarios. ¿Cuál es la diferencia entre un corredor y un originador de préstamos?

UNO. La industria hipotecaria está llena de puestos y títulos confusos, lo que facilita la confusión de roles y responsabilidades. Tal es el caso de los agentes hipotecarios y los originadores de préstamos hipotecarios. Aunque sus funciones comparten similitudes, un originador de préstamos hipotecarios en Columbia, SC, trabaja para un banco o cooperativa de crédito, mientras que un corredor hipotecario trabaja para una empresa de corretaje. Tanto los originadores de préstamos hipotecarios como los corredores hipotecarios tienen licencia del Sistema Nacional de Licencias Multiestatales (NMLS).

q. Todo el mundo me ha dicho que es necesario tener un seguro hipotecario para comprar una casa. ¿Qué es el seguro hipotecario?

UNO. Básicamente, el seguro hipotecario ayuda a proteger a los prestamistas si un prestatario ejecuta la ejecución hipotecaria de la casa que compró. Una ventaja del seguro hipotecario es que cuando los prestatarios lo pagan, los prestamistas a menudo pueden otorgar préstamos a los compradores cuando de otra manera no lo habrían hecho. Aunque no siempre es necesario para comprar una casa, a menudo se necesita un seguro hipotecario para pagos iniciales inferiores al 20%.

q. Me acaban de aprobar previamente para comprar una hermosa casa en Carolina del Sur. ¿Hay algo que no debería hacer ahora que estoy precalificado?

UNO. Las compañías hipotecarias como Mission One Mortgage facilitan la precalificación para una vivienda. Sin embargo, a medida que continúa su proceso de préstamo, su prestamista debe ejecutar un nuevo informe crediticio antes de cerrar la compra de una vivienda. Por esa razón, es para evitar cualquier actividad que pueda afectar su puntaje crediticio, como:

  • No se convierta en cofirmante de un préstamo con otra persona.
  • No renuncies ni cambies de trabajo.
  • No solicite nuevas tarjetas de crédito, préstamos para automóviles ni ninguna otra línea de crédito.
  • No utilice su tarjeta de crédito para pagar compras grandes, como muebles para su nueva casa.
  • No evite pagos de líneas de crédito, préstamos o facturas de servicios públicos vigentes.

q. Mi cuñado recientemente refinanció su casa en Carolina del Sur. ¿Qué es la refinanciación? ¿Debería considerar refinanciar mi casa también?

UNO. Refinanciar su casa básicamente significa que está cambiando su hipoteca actual por una nueva, generalmente con una tasa de interés más baja. Si desea reducir el plazo de su préstamo, reducir los pagos hipotecarios mensuales o consolidar deudas, la refinanciación puede ser una opción inteligente. Muchos propietarios también optan por refinanciar si quieren pasar de hipotecas de tasa ajustable a hipotecas de tasa fija o obtener reembolsos en efectivo por renovaciones de la vivienda. Para saber si la refinanciación es una opción viable para su situación, comuníquese con Mission One Mortgage lo antes posible, ya que las tasas de los préstamos cambian con frecuencia.

What Clients Say About Us

Hipoteca Mission One: convertir los sueños en realidad, una hipoteca a la vez

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Aquí en Mission One Mortgage, creemos que las mejores comunidades comienzan con el sueño de ser propietario de una vivienda. Nuestra misión es hacer realidad esos sueños, con un servicio personalizado, orientación experta y trabajo duro a la antigua usanza. Como una de las compañías hipotecarias más confiables en Columbia, SC, Tenemos años de experiencia trabajando con una amplia gama de clientes, desde compradores e inversores por primera vez hasta prestatarios autónomos y hablantes no nativos de inglés.

Aunque cada situación hipotecaria es diferente, una cosa nunca cambia: nuestro compromiso con los clientes. Póngase en contacto con nuestra oficina hoy para comenzar una experiencia excepcional de compra de vivienda.

¡Contáctenos para servicio!

phone-number (843) 822-5685
Cash Out Refinance Columbia, SC

Latest News Near Me Columbia, SC

Cause revealed for Columbia apartment fire that displaced 38

COLUMBIA, S.C. (WIS) - Columbia Fire Chief Aubrey Jenkins revealed the cause of an apartment fire that displaced 38 people on Tuesday.Jenkins said the fire was accidental and started after a resident reportedly placed a towel in the oven for “medical purposes”. When the resident opened the oven door, the towel inside was on fire, and he was unable to extinguish it.Fire alarms continued going off after the blaze ripped through an apartment building in the Broad River Trace complex on Tuesday afternoon. Crews worked o...

COLUMBIA, S.C. (WIS) - Columbia Fire Chief Aubrey Jenkins revealed the cause of an apartment fire that displaced 38 people on Tuesday.

Jenkins said the fire was accidental and started after a resident reportedly placed a towel in the oven for “medical purposes”. When the resident opened the oven door, the towel inside was on fire, and he was unable to extinguish it.

Fire alarms continued going off after the blaze ripped through an apartment building in the Broad River Trace complex on Tuesday afternoon. Crews worked on Wednesday to put out the remaining hot spots.

“I was absolutely devastated,” said Shandrea Foster, one of 38 people now without a home.

The fire broke out around 3 p.m. Tuesday, prompting nearly 65 firefighters to respond to the blaze. No injuries were reported.

Fire crews rescued three dogs and two cats, but Foster said she lost her turtle in the fire and believes her two cats are still trapped inside.

“Everything I have is in that building, including my cats that they cannot get to. So, I’m struggling right now,” Foster said.

The building remains in a fragile state, too dangerous for even firefighters to go inside and search. Crews are facing a new challenge with hidden hot spots that could reignite flames. Instead of water, they have been using fire-retardant foam to try to knock them out, dousing household items and mementos that hold precious memories for residents.

“It’s heartbreaking,” said Latrice Bond, who lives in the building next door. She said the heat was so intense that it left evidence of melting on her building.

“It was getting ready to leap over. It could have done more damage,” Bond said.

Nick Gibson with the American Red Cross said they are providing support for 32 families.

“This is very devastating. We’re helping these families with their immediate needs, such as food, clothing, shelter, and any financial assistance they may need in this situation,” Gibson said.

Apartment management said they are helping to relocate residents to new units. Fire crews will continue to monitor hot spots throughout the building.

WIS talked to another resident who was also displaced.

The Columbia Fire Marshal is still investigating. Columbia Fire Chief Aubrey Jenkins spoke to the media at the scene on Wednesday about the fire.

Feel more informed, prepared, and connected with WIS. For more free content like this, subscribe to our , and . Have feedback that can help us improve? .

Situated Between Greenville And Columbia Is South Carolina's Lake City With Historic Charm And Tasty Bites

From the scenic waterfront views in "The Friendliest City in South Carolina" to lakeside camping in a quiet state park, South Carolina might be best known for its stunning Atlantic coastline access, but the state's many lakes are nothing to scoff at, either. Nestled between the cities of Columbia and Greenville, you'll find a prime example of a South Carolina lake city — the delightfully named town of Prosperity. Situated on the banks of Lake Murray, Prosperity offers small-town charm, along with a rich history and even award...

From the scenic waterfront views in "The Friendliest City in South Carolina" to lakeside camping in a quiet state park, South Carolina might be best known for its stunning Atlantic coastline access, but the state's many lakes are nothing to scoff at, either. Nestled between the cities of Columbia and Greenville, you'll find a prime example of a South Carolina lake city — the delightfully named town of Prosperity. Situated on the banks of Lake Murray, Prosperity offers small-town charm, along with a rich history and even award-winning food.

Located about a 40-minute drive from Columbia and about a 75-minute drive from Greenville, Prosperity is easily accessible for a relaxing weekend getaway — or even a day trip or special meal out if you're coming from one of these metropolises. To get here from further away, the nearest commercial airport is Columbia Metropolitan Airport, 39 miles away, which is serviced by several major airlines providing flights throughout the southeast U.S.

Enjoy delicious cuisine in Prosperity

South Carolina is known as "The Birthplace of Barbecue," and it wouldn't be a trip to the Palmetto State without sampling some. Don't skip out on a visit to Hawg Heaven Barbecue while you're in Prosperity — and come ready for a feast. At this family-owned barbecue joint, you'll find fall-off-the-bone-tender ribs, pulled pork, and quintessential barbecue side dishes like potato salad, mac and cheese, and slaw. Come for the lunch buffet deal, but know before you go that Sundays (post-church) can get busy. Thankfully, there is also a carry-out option.

If barbecue isn't your thing, grab a table at Roma's House of Pizza, where you can order Italian and Greek dishes, along with other American classics like wings and subs. Roma's is a local gem known for friendly and helpful service in addition to tasty cuisine and competitive prices. If you've got a sweet tooth (or a hankering for caffeine), you'll want to be sure to visit The Blend, a charming and welcoming coffee shop where you can sip on a cup of freshly brewed joe or indulge in a cookie, cinnamon roll, scone, cheesecake, or other sweet delight. (Time your visit on a Saturday, when there are also delectable doughnuts available.)

Explore this charming lake city's history

For a small town with a population barely over 1,000 people, Prosperity nonetheless has a vibrant history that remains a source of much local pride today. Originally, the town was named Frog Level, with this unusual moniker's provenance being a source of many myths. It likely comes from the town's size, low elevation, and large nearby frog population, but one urban legend tells a far stranger tale of a very intoxicated man, a frog infestation, and a big misunderstanding. Since 1873, it's been known as Prosperity — but relics of the town's early days are still standing.

Take a walk through the town square, where you'll see an independent drugstore that was first built in 1895, an antique gazebo and clock, and other historic structures. Plus, don't miss the opportunity to wander through the town's residential streets, where you'll spy numerous gorgeous 100-year-old houses that have been lovingly maintained. After your time in Prosperity, if you still haven't gotten enough of charming towns in the greater Lake Murray vicinity, you can always extend your trip with a pit stop in nearby Irmo, a Columbia suburb full of cafes and trails on the banks of Lake Murray.

Ready to discover more hidden gems and expert travel tips? Subscribe to our free newsletter and add us as a preferred search source for access to the world's best-kept travel secrets.

Columbia, SC Spring Weather Alert: Warmup Near I-26 Feb 11–17

Columbia, SC – A spring-like weather pattern is expected to take hold across South Carolina during the February 11–17 period, bringing above-normal temperatures with potential statewide effects.According to the NOAA Climate Prediction Center, the 8–14 day outlook strongly favors warmer-than-normal temperatures across the Southeast, including all of South Carolina. This shift follows recent winter variability and signals a period of milder mid-February conditions.In central South Carolina, including Columbia an...

Columbia, SC – A spring-like weather pattern is expected to take hold across South Carolina during the February 11–17 period, bringing above-normal temperatures with potential statewide effects.

According to the NOAA Climate Prediction Center, the 8–14 day outlook strongly favors warmer-than-normal temperatures across the Southeast, including all of South Carolina. This shift follows recent winter variability and signals a period of milder mid-February conditions.

In central South Carolina, including Columbia and surrounding Midlands communities, average mid-February high temperatures typically range from the mid-50s to near 60 degrees. Forecast guidance suggests highs may frequently reach the upper 60s and even low 70s during this period. Similar warming is expected across the Lowcountry, including Charleston and Beaufort, where overnight lows are also likely to remain milder.

Across the Upstate, including Greenville, Spartanburg, and Anderson, temperatures are forecast to run above seasonal averages, improving travel and outdoor conditions. Western and northern counties may still experience cooler mornings, but afternoon temperatures are expected to rebound quickly.

While the warmer pattern reduces the risk of winter weather, it may increase hydrologic concerns in some areas. The Climate Prediction Center’s precipitation outlook shows near to above-normal precipitation potential across parts of the Southeast. Rainfall combined with warmer temperatures could lead to localized ponding on roadways and rises on rivers and streams.

Transportation corridors such as I-26, I-85, I-95, and U.S. Route 17 may see generally favorable travel conditions, though periods of rain could cause wet roads and brief slowdowns. Rivers including the Congaree, Broad, Pee Dee, Edisto, and Savannah may respond to increased runoff if precipitation materializes.

Commuters, students, and outdoor workers may notice more spring-like afternoons statewide, though officials caution that brief cooler mornings and changing conditions remain possible.

Residents across South Carolina are encouraged to monitor updated forecasts and river statements from the National Weather Service as confidence increases closer to the February 11–17 timeframe.

DPH confirms case of measles in Sumter County, more possible exposure

COLUMBIA, S.C. (WIS) - The South Carolina Department of Public Health confirmed a case of measles in part of the Midlands.DPH said Tuesday that the case was reported in Sumter County. Officials also noted that it’s not clear if it is linked to the ongoing measles outbreak in the Upstate, primarily centered in Spartanburg County.It’s the first case reported outside of the Upstate since the outbreak began in late 2025.The agency also identified three possible places where others could have been exposed in the S...

COLUMBIA, S.C. (WIS) - The South Carolina Department of Public Health confirmed a case of measles in part of the Midlands.

DPH said Tuesday that the case was reported in Sumter County. Officials also noted that it’s not clear if it is linked to the ongoing measles outbreak in the Upstate, primarily centered in Spartanburg County.

It’s the first case reported outside of the Upstate since the outbreak began in late 2025.

The agency also identified three possible places where others could have been exposed in the Sumter area:

DPH said it is unaware of any risk for measles exposure beyond those locations and times. Those possible exposed are asked to monitor for symptoms through Feb. 13, 14 and 15.

“Measles symptoms to watch for typically begin 7-12 days (but can occur up to 21 days) after exposure, and include cough, runny nose, and red watery eyes, and fever followed by a rash two to three days later that starts on the face then spreads to the rest of the body,” the department said.

The agency said anyone who may have been exposed and develops a fever, cough, runny nose or red eyes should call a healthcare provider regardless of whether they have a rash or not.

“Arrangements like the use of masks or isolating you from others in waiting areas to evaluate you without putting others at risk of exposure may be utilized. You may be asked to stay at home until the doctor clears you,” DPH said.

DPH reported 29 total new cases statewide on Tuesday, bringing the total number in the outbreak to 876. Of that number, data shows 800 were not vaccinated for measles as of Feb. 3.

This is a developing story. Stay with WIS for updates.

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38 people displaced after large fire at Columbia apartment complex

Department officials say a two-alarm fire broke out at Broad River Trace Apartments.COLUMBIA, S.C. — The Columbia Fire Department says over three dozen people have been displaced from their homes after a large late afternoon apartment fire.Fire officials say crews were called to a reported structure fire at the Broad River Trace Apartments on Riverhill Circle just before 4 p.m. Tuesday. A second alarm was requested after firefighters arrived and found heavy fire conditions in one of the apartment buildings.Alex Car...

Department officials say a two-alarm fire broke out at Broad River Trace Apartments.

COLUMBIA, S.C. — The Columbia Fire Department says over three dozen people have been displaced from their homes after a large late afternoon apartment fire.

Fire officials say crews were called to a reported structure fire at the Broad River Trace Apartments on Riverhill Circle just before 4 p.m. Tuesday. A second alarm was requested after firefighters arrived and found heavy fire conditions in one of the apartment buildings.

Alex Carlo, who lives on the ground floor of the building that caught fire, said the experience was something he never imagined would happen to him.

“It’s one of those things where you never think it’s going to happen to you,” Carlo said.

Carlo’s partner, Kathryn Bruns, was home at the time of the fire. She said she was trying to fall asleep with her dog when the fire alarms went off.

I’m just thankful that I was awake enough to hear the sounds quick enough to get out of the apartment,” Bruns said. “I come out and I see smoke, and it wasn’t long after that where you could see flames on top of the building.”

Nearby residents described a chaotic scene as first responders worked to control the fire and help residents evacuate.

“It was absolutely chaotic once I got here,” said Douglas Sobers, who lives nearby. “It was a crazy sightseeing first responders passing off animals and keeping them from running back into the apartment.”

According to Fire Chief Aubrey Jenkins, the fire spread quickly once it reached the roofline.

“When it gets up in that attic area, it can walk across the building,” Jenkins said. “That’s what creates the kind of damage we’re seeing here.”

The affected building contains 28 apartment units. Jenkins said the extent of the fire damage makes it likely the building will not be salvageable, though a final determination will be made later.

“I’m not sure what can be rehabbed on the inside until we can really get in there,” Jenkins said. “But by the looks of it, I would consider that basically a total loss.”

For those displaced, there is still uncertainty about what belongings may be salvageable.

“I’m not getting my hopes up that there’s a lot left,” Bruns said.

A neighboring building sustained heat-related damage but did not catch fire, according to fire officials.

At least 28 families were affected by the fire, with approximately 38 people displaced, based on the apartment complex’s roster. The American Red Cross has been notified and is responding to provide assistance.

Jenkins said no injuries have been reported and no one has been transported to the hospital. Fire officials said that several residents had pets inside the apartment complex when the fire started and are still unaccounted for.

Fire officials said residents had to be prevented from re-entering the building, even in areas not yet damaged, because of the danger posed by the fire.

“When you’ve got a building burning like this, walls can fall in and porches can come down,” Jenkins said. “We had to make sure nobody went back inside.”

The cause of the fire remains under investigation, and officials have not determined where it started.

“We’re not going to try to guess at what happened,” Jenkins said. “We’ll investigate it and let the fire tell us what it did.”

Despite the loss, residents say they are grateful no serious injuries were reported.

“We’re glad that we are safe and we have family in the area that we can stay with,” Bruns said.

News 19 will continue to provide updates as investigators learn more about the cause of the fire and as officials confirm how many pets have been accounted for.

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