¡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

How SC middle schoolers raised hundreds of thousands to assist during 9/11

COLUMBIA, S.C. (WIS) - As the nation remembers 9/11, some also remember the acts of love in the days following the tragedy. Middle schoolers in Lexington made a large donation 25 years ago, and one student reflects on the gift and what it means then and now.Maurice Hallman was a White Knoll Middle School student in 2001.“I mean, we never had anything like that happen in America before, especially at 11 years old,” Hallman said.Hallman remembers the day in detail.“I remember like just being in the...

COLUMBIA, S.C. (WIS) - As the nation remembers 9/11, some also remember the acts of love in the days following the tragedy. Middle schoolers in Lexington made a large donation 25 years ago, and one student reflects on the gift and what it means then and now.

Maurice Hallman was a White Knoll Middle School student in 2001.

“I mean, we never had anything like that happen in America before, especially at 11 years old,” Hallman said.

Hallman remembers the day in detail.

“I remember like just being in the classroom for homeroom and, of course, when you hear Dr. Turner come over the intercom,” Hallman said.

Hallman remembers how everything changed.

“Yeah, it’s truly surreal,” Hallman said.

When the shock passed, Hallman and his classmates felt called to lend a hand to a Brooklyn fire company that lost seven firefighters at Ground Zero.

The class raised over $500k that helped buy a new fire truck as a way to say thanks.

“It was a blessing and an honor. I’m thankful to truly be a part of something that I still think about daily, you know?” Hallman said.

Maurice, his teacher, and classmates traveled to New York City to hand over their gift.

“Just to be able to go there, shake their hand shortly after some tragic events occurred, that actually kind of warms my heart,” Hallman said.

Twenty-five years have passed. Kids have grown up, and people have moved on. But Maurice Hallman is back home in the Midlands to mark the day, the half-million-dollar gift and the outpouring of love.

“Truly, we just came together to think about different ways we can put together our efforts to give back,” Hallman said.

Hallman will also participate in a forum titled “South Carolina Remembers 9/11: 25 Years Later.” The special presentation will take place at 12:30 p.m. at the South Carolina State Museum.

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? .

How many jobs were added in Columbia, SC area last month?

It gained 100 jobs in July 2026. Those figures come from the Bureau of Labor Statistics’ state and local employment report, which tracks monthly job changes. Job numbers can swing month to month as local economies expand or contract, but over the past five years the Columbia, SC Metro Area has averaged about 648 new jobs per month. These figures are often revised in later months as more complete data rolls in.+100month to month change in number of jobs (July 2026)Source: Bureau of Labor StatisticsThe Columbi...

It gained 100 jobs in July 2026. Those figures come from the Bureau of Labor Statistics’ state and local employment report, which tracks monthly job changes. Job numbers can swing month to month as local economies expand or contract, but over the past five years the Columbia, SC Metro Area has averaged about 648 new jobs per month. These figures are often revised in later months as more complete data rolls in.

+100

month to month change in number of jobs (July 2026)

Source: Bureau of Labor Statistics

The Columbia, SC area job growth of 100 in July 2026 was larger than the 100 jobs gained in June 2026.

During the latest five-year period (August 2021 to July 2026), the Columbia, SC area gained jobs in 45 out of 60 months. July 2026 had the 15th-lowest job growth during this period. The highest gains during this period occurred in October 2021 (+5,000) while job growth was weakest in January 2025 (-1,700).

Monthly change in nonfarm employment in the Columbia, SC area

How has the Columbia, SC area's job growth changed over time?

In 2025, the Columbia, SC area has gained an average of 125 jobs every month. That's lower than the 2024 average monthly increase of 792. The 2025 average ranks as 14th-highest in job growth since 2007.

When excluding the two pandemic-affected years of 2020 and 2021, job growth ranged from a loss of 1,400 every month in 2009 to a gain of 1,000 every month in 2015.

Average monthly change in the number of jobs in the Columbia, SC area, seasonally adjusted

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Methodology

USAFacts standardizes data, in areas such as time and demographics, to make it easier to understand and compare.

Page sources

USAFacts endeavors to share the most up-to-date information available. We sourced the data on this page directly from government agencies; however, the intervals at which agencies publish updated data vary.

Be prepared for strong thunderstorms in Midlands Saturday night - gusts up to 50 mph

The creation of this content included the use of AI based on templates created, reviewed and edited by journalists in the newsroom. Read more on our AI policy here.The NWS Columbia SC issued a weather alert at 8:41 p.m. on Saturday for strong thunderstorms until 9:30 p.m. The alert is for Lexington, Richland, Aiken and Calhoun counties.Residents can anticipate wind gusts of up to 50 mph."At 8:40 p.m., Doppler radar tracked a strong thunderstorm 10 miles west of Gaston, or 10 miles south of Red Bank, moving no...

The creation of this content included the use of AI based on templates created, reviewed and edited by journalists in the newsroom. Read more on our AI policy here.

The NWS Columbia SC issued a weather alert at 8:41 p.m. on Saturday for strong thunderstorms until 9:30 p.m. The alert is for Lexington, Richland, Aiken and Calhoun counties.

Residents can anticipate wind gusts of up to 50 mph.

"At 8:40 p.m., Doppler radar tracked a strong thunderstorm 10 miles west of Gaston, or 10 miles south of Red Bank, moving northeast at 25 mph," says the NWS. "Gusty winds could knock down tree limbs and blow around unsecured objects."

Locations impacted by the alert include Columbia, Lexington, West Columbia, Cayce, Forest Acres, St. Andrews, Red Bank, Oak Grove, South Congaree, Pine Ridge, Gaston, Hopkins, Columbia International University, Riverbanks Zoo, SC State Farmer's Market, Columbia Metro Airport, SC State Fair Grounds, West Columbia Riverwalk, Five Points and Swansea. This includes the following highways: Interstate 126 between mile markers 0 and 3. Interstate 20 in South Carolina between mile markers 53 and 68. Interstate 26 between mile markers 105 and 125. Interstate 77 between mile markers 0 and 10.

According to the NWS, "If outdoors, consider seeking shelter inside a building."

This alert is in effect until 9:30 p.m.

Around 25 million lightning strikes occur in the United States every year, with most taking place during the summer months. The NWS reports that these strikes result in about 20 fatalities annually. The probability of lightning strikes rises as a thunderstorm approaches and peaks when the storm is directly above. As the storm moves away, this likelihood decreases.

Here are tips on how to stay safe during a thunderstorm:

If finding indoor shelter is not an option:

What is hydroplaning?

Hydroplaning is the term for when a vehicle begins sliding uncontrollably on wet roads.

This happens when water in front of the tire builds up faster than the vehicle's weight can push water out of the way. The water pressure then causes the vehicle to rise and slide on a thin layer of water between the tires and the road, making the driver lose control. Hydroplaning is most commonly attributed to three factors:

In the event of your vehicle hydroplaning, here's what to know:

Source: The National Weather Service

United Robots South Carolina

Editor’s Column: Our rival, The State, took a hit this week. I’m rooting for them to bounce back.

Allow me to quote myself from 2020: “No, the news didn’t make me happy.”I wrote those words when I was the editor of Free Times, the scrappy alternative newspaper nipping at the heels of the big, bad State, the daily newspaper covering Columbia since 1891.I was responding to news that McClatchy, the newspaper chain that owns The State and about 30 others across the country, had declared bankruptcy and was about to be scooped up by the hedge fund Chatham Asset Management. The kind of day many of us feared when ...

Allow me to quote myself from 2020: “No, the news didn’t make me happy.”

I wrote those words when I was the editor of Free Times, the scrappy alternative newspaper nipping at the heels of the big, bad State, the daily newspaper covering Columbia since 1891.

I was responding to news that McClatchy, the newspaper chain that owns The State and about 30 others across the country, had declared bankruptcy and was about to be scooped up by the hedge fund Chatham Asset Management. The kind of day many of us feared when that news became known finally happened last week.

On Sept. 10, McClatchy laid off more than 90 staff, slashing newsrooms at some papers by upwards of 40 percent, according to Poynter. At least 13 papers in eight states lost staff, including The State, which lost at least five journalists.

I’m back working in The Post and Courier’s Columbia newsroom, overseeing news efforts that still include Free Times but also include more robust news coverage of the Midlands, which puts us in constant competition with The State.

In the four years between my stints here, I spent two years as a reporter and editor at that other paper. I know intimately how vital a force it is in the Columbia news market

The battle for scoop supremacy between two longstanding news brands, The Post and Courier and The State, has made us both sharper. And readers have benefited in the form of more thorough coverage of the Midlands.

I stand by what I said in 2020: “I want to keep doing our dance — trying to beat each other to stories, pushing each other each day to be better with our coverage — forever.”

Our dance partner took a hit this week. So did local journalism in the U.S.

Beyond the sheer number of jobs lost, the journalists that were cut raise more than a little alarm about McClatchy’s commitment to supporting well-rounded local news outlets.

“Some of the cuts have raised questions about what types of journalism the company values,” Poynter’s Angela Fu wrote. “The Charlotte Observer’s only data reporter shared on Bluesky that she was cut. The Fresno Bee, which had seven layoffs, lost multiple accountability reporters, according to Pacific Media Workers Guild executive officer Michael Applegate. The Miami Herald, which had 20 layoffs and eliminated 10 vacant positions, lost its city of Miami and city of Miami Beach beats, said deputy investigations editor Carol Marbin Miller.”

Ariane Lange, an investigative reporter at company flagship The Sacramento Bee, called it ‘the bloodiest round of layoffs in quite some time at McClatchy.’"

I’ll let The State News Guild, the union that represents the paper’s newsroom, sing the praises of the journalists we know are losing their jobs in Columbia:

I worked beside all five of them. They’re great. If you’re an editor with an opening, you should hire them.

Democracy, as it’s repeatedly been said, dies in darkness. McClatchy’s cuts made the light a little dimmer, shrinking the number of journalists holding governments and institutions to account in spots across the nation.

But there are still good journalists in Columbia, fighting fiercely to provide our readers with important information about the place we call home. We’re keeping up the fight here at the Post and Courier Columbia and Free Times.

And there are still talented journalists keeping up the fight at The State.

I’ll keep rooting for them even as I keep trying to beat them. You should, too.

Chick-fil-A is planning a new Columbia-area restaurant location. Here’s where

A wildly popular chicken sandwich chain is planning a new location in the Columbia area, per public documents.Chick-fil-A, which has stores across the U.S. and the Midlands, is planning a location at 575 Spears Creek Church Road in the northeast Columbia and Elgin area, per a draft agenda for the September meeting the city of Columbia’s Planning Commission. The commission will consider the site plan for the Chick-fil-A at its Sept. 10 meeting at 4 p.m. at Columbia City Hall.The planned Chick-fil-A would be along a busy st...

A wildly popular chicken sandwich chain is planning a new location in the Columbia area, per public documents.

Chick-fil-A, which has stores across the U.S. and the Midlands, is planning a location at 575 Spears Creek Church Road in the northeast Columbia and Elgin area, per a draft agenda for the September meeting the city of Columbia’s Planning Commission. The commission will consider the site plan for the Chick-fil-A at its Sept. 10 meeting at 4 p.m. at Columbia City Hall.

The planned Chick-fil-A would be along a busy stretch of road just north of Interstate 20. There are a number of businesses along that stretch, including a Bojangles, a Burger King, a Firehouse Subs, Breakfast at Ruiz brunch spot, Carolina Fish & Wings, Scoop of Heaven Ice Cream and others. Pontiac Elementary School also is located along that part of Spears Creek Church Road.

It is an increasingly high-traffic area. About 16,000 cars per day travel down Spears Creek Church Road, per state Department of Transportation statistics, which is a big jump up from 2024, when about 10,000 cars per day traveled down that road. About 70,000 cars per day traverse Interstate 20 nearby, per state stats.

There are more than 3,400 Chick-fil-A locations in the United States, per data website ScrapeHero. The company has continued to make moves in the Midlands, opening new units and renovating existing locations.

For instance, the Lexington location at Saluda Pointe reopened in 2025 after being closed while it expanded its drive-thru capacity. The company’s location inside the Columbiana Centre mall also was extensively remodeled in 2025. A new Chick-fil-A opened in August 2025 at the Gateway 737 development on Gadsden Street next to the Colonial Life Arena. The company opened a new store at 425 Bush River Road in 2025, replacing an older unit that was just down the road, and it is currently in the process of building a new store in the 4600 block of Hard Scrabble Road.

Also, the Chick-fil-A on Harden Street in Columbia’s famed Five Points recently made $1 million in renovations.

Disclaimer:

This website publishes news articles that contain copyrighted material whose use has not been specifically authorized by the copyright owner. The non-commercial use of these news articles for the purposes of local news reporting constitutes "Fair Use" of the copyrighted materials as provided for in Section 107 of the US Copyright Law.
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