¡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 James Island, 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.

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Mortgage Lending Service James Island, 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 James Island, SC
Refinances James Island, 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 James Island, 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 James Island, 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
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Latest News Near Me James Island, SC

James Island council discusses future of ‘controversial’ road project

JAMES ISLAND, S.C. (WCSC) — The James Island Town Council voted to request that the South Carolina Department of Transportation remove a median from a planned safety improvement project.The SCDOT project SC-171 involves safety improvements along Folly Road, a busy corridor used daily by island residents. The project includes sidewalks, better crossways and infrastructure updates, but a proposed median has drawn opposition from residents and council members.“Call us, the people of the Town of James Island foolish, bu...

JAMES ISLAND, S.C. (WCSC) — The James Island Town Council voted to request that the South Carolina Department of Transportation remove a median from a planned safety improvement project.

The SCDOT project SC-171 involves safety improvements along Folly Road, a busy corridor used daily by island residents. The project includes sidewalks, better crossways and infrastructure updates, but a proposed median has drawn opposition from residents and council members.

“Call us, the people of the Town of James Island foolish, but we know this road, we drive this road every day and we think these are going to be detrimental to our neighborhoods, detrimental to our businesses and detrimental to the functionality of Folly Road,” Councilman Lewis Dodson said.

Dodson made a motion to authorize the mayor’s request that SCDOT remove the controversial median from the project and replace it with other effective safety measures. Thursday evening, the council approved the motion unanimously.

Residents spoke during public comment, defending their concerns about peace, safety, business and quality of life.

“55 years of living on this James Island, I got a big problem with it. I don’t just have a problem. Every person in this folder right here, pages and pages and pages of citizens,” Marilyn Clifford, a James Island community member, said as she showed a packet of signatures protesting the median.

Another resident, John Peters, said the median would add to existing congestion problems on the road.

“They want to just add more to the problem. That’s really what it’s going to be. More congestion. If not, there’ll end up being bumper-to-bumper accidents more than anything and still we’re going to have the problem,” Peters said.

“We want 90%, let’s just work out the safety of the rest of it. That’s the goal,” Dodson said.

Councilman Michael Williams said the town must be willing to fight to ensure the rest of the project moves forward if the median is rejected.

Just two weeks ago, SCDOT engineers came to talk about the project with the community members and nearly everyone echoed the same sentiment: they liked most of the plan, just not the median.

After continuing to ask if it was possible to move forward with the improvement project without the medians, residents feel they are still in the dark with no clear answer from engineers.

“I was told he was noncommittal and listened to us, but I felt like he was somewhat defensive of the project. I feel like he believes that it will not happen if we don’t, but he did imply that he would look at things again,” Mayor Brook Lyon said.

A concern engineers expressed during the last meeting two weeks ago was that the project’s funding would be dependent on the median’s cost.

Lyon said the town will begin conversations with federal representatives to explore alternative options and what that means for funding the rest of the project.

“We have to be willing to fight to the nth degree to make sure that 90% happens to make sure that the feds commit to making this happen if we reject the median,” Williams said.

Residents say $350M Johns Island project disrupts routine, drives safety fears

JOHNS ISLAND, S.C. (WCSC) — As Charleston County moves forward with a more than $350 million road project aimed at easing congestion at the intersection of U.S. Highway 17 and Main Road, some drivers said the construction is disrupting their daily routine and raising safety concerns.The long-planned project includes building a new interchange with flyover off-ramps connecting northbound and southbound U.S. 17 to Main Road, along with a Main Road spur bridge over U.S. 17. County leaders have said the improvements are designed to ...

JOHNS ISLAND, S.C. (WCSC) — As Charleston County moves forward with a more than $350 million road project aimed at easing congestion at the intersection of U.S. Highway 17 and Main Road, some drivers said the construction is disrupting their daily routine and raising safety concerns.

The long-planned project includes building a new interchange with flyover off-ramps connecting northbound and southbound U.S. 17 to Main Road, along with a Main Road spur bridge over U.S. 17. County leaders have said the improvements are designed to address persistent traffic backups in one of the region’s fastest-growing areas.

A key concern for one driver, James Adams, is the closure of Old Charleston Highway, which is being used to store construction equipment and allow crews to move between the two major roadways. The closure has limited direct access to several nearby businesses, including a Waffle House, a laundromat and a seafood restaurant.

Drivers who once used Old Charleston Highway as a side route now must enter and exit through the heavily congested intersection, navigating fast-moving traffic and frequent standstills.

Adams, who has lived in the area since 2016 and commutes from James Island, said he used to regularly visit the Waffle House near the intersection. Now, he often avoids it.

“With the construction, it’s not safe to turn around,” Adams said. “No matter how far you go down, you’re going to have to fight the traffic and then turn around and come back. I’m living over on James Island, which makes it a big problem.”

He said he is especially frustrated by the decision to block off direct access to the businesses.

“I’m just concerned that they have blocked the entrance into the businesses over here,” Adams said. “I mean, there’s no reason that they can’t allow customers to still come straight across.”

Adams said he has also noticed fewer customers inside the restaurants.

“All the businesses here, not only just Waffle House, are having the same problem,” Adams said. “People are not going… because of this construction. In fact, the Waffle House would normally be completely full right now and there’s just a few people in it.”

Adams said when construction first began, Old Charleston Highway remained open to drivers. Now that access is blocked, he worries the detours are not only inconvenient but potentially dangerous.

Project Manager Herb Nimz said the county understands the frustrations but emphasized the long-term goal of the work.

“We appreciate the community’s patience as the U.S. 17 and Main Road improvements take shape,” Nimz said. “There’s no question that a project of this scale brings temporary disruptions, and the project team is working hard to manage those impacts while keeping this critical work on track. In the end, these short-term inconveniences will pay off with safer travel, reduced congestion, and smoother, more reliable commutes for everyone.”

The overall project is expected to be completed by September 2028. There is currently no timeline for when Old Charleston Highway will reopen.

Charleston County Main Library archives will be moved to James Island ahead of upcoming renovations

CHARLESTON — The archive room at the county's main library branch will temporarily close and move its materials before the building undergoes renovations.The South Carolina room — a room that holds a collection of books, maps and other research materials detailing the history of the state with an emphasis on Charleston and the Lowcountry — will be unavailable starting May 1 for roughly eight to 10 weeks as staff move its contents to 1248 Camp Road on James Island.The archives will be made available by appointm...

CHARLESTON — The archive room at the county's main library branch will temporarily close and move its materials before the building undergoes renovations.

The South Carolina room — a room that holds a collection of books, maps and other research materials detailing the history of the state with an emphasis on Charleston and the Lowcountry — will be unavailable starting May 1 for roughly eight to 10 weeks as staff move its contents to 1248 Camp Road on James Island.

The archives will be made available by appointment and electronic correspondence only while at the James Island location, said to Doug Reynolds, CCPL associate director of communications and marketing. He wrote in an email that hours of operation for that location will be released once they’re finalized.

The library on Calhoun Street is the last of the county libraries scheduled for upgrades. The work is part of a $108.5 million referendum that called for updates to all Charleston County Public Library branches, which voters passed in 2014.

While the main location is closed for renovations, the county will lease space at 1142 Morrison Drive — the former International Longshoreman’s Association’s union hall building — for two years.

The new location will have the children, teen and adult book collections, as well as public computer space and room for activities like story time, CCPL Executive Director Angela Craig previously told The Post and Courier.

Located on the Upper Peninsula and close to a CARTA bus stop, the union hall site will be easily accessible for patrons, she said.

The renovations are expected to cost $7.8 million. An additional $3.2 million has been set aside for architecture fees, permitting fees and contingency funding for emergencies and any unforeseen cost increases.

A major part of the renovations include relocating the teen section from the third floor to the second floor, which will make the second floor a dedicated youth services floor. All adult content on the second floor will be moved to the third floor.

The library will also update its technology, like projectors for the auditorium and meeting rooms.

The renovations for the main branch are expected to take around 18 months. Once the construction timeline is finalized, Reynolds wrote that they’ll share specifics on when the library will close.

Council to vote on agreement to continue to monitor James Island Creek

JAMES ISLAND, S.C. (WCSC) — Several local entities are coming together to continue monitoring and keeping the James Island Creek as clean as possible.The Town of James Island Public Works Committee to accept an agreement between the Town of James Island, the city of Charleston and Charleston County to work together on improving the creek’s water quality by implementing watershed plans, managing drainage to prevent pollution and addressing high bacteria levels in the creek, which is classified as an “impaired waterwa...

JAMES ISLAND, S.C. (WCSC) — Several local entities are coming together to continue monitoring and keeping the James Island Creek as clean as possible.

The Town of James Island Public Works Committee to accept an agreement between the Town of James Island, the city of Charleston and Charleston County to work together on improving the creek’s water quality by implementing watershed plans, managing drainage to prevent pollution and addressing high bacteria levels in the creek, which is classified as an “impaired waterway.”

The James Island town council is set to vote on the agreement to make it official on Thursday.

The James Island Creek’s water quality parameter of concern is a fecal indicator bacteria called Enterococci, which has been identified in the creek since 2016. This form of bacteria originates from the intestine of warm-blooded animals, and although not generally considered harmful to humans, it is an indicator of other pathogenic bacteria that pose a human health risk.

“There are higher than higher levels of bacteria than we would like to see in the creek, which can lead to health issues for anyone swimming in it, whether it’s you or your pets or your family,” Elsbeth Noe, a Charleston County civil engineer, says. “It can cause stomach symptoms or skin infections and things like that, and then equally importantly, high levels of bacteria also have negative impacts on the environment and the wildlife that lives there.”

The specific agreement is for MS4 monitoring, which is for a municipal separate storm sewer system. The agreement also includes the collection of grab samples and supplementary environmental data, laboratory analysis for bacteria found in the creek and data analysis and reports on their findings.

“It’s important to monitor the creek because monitoring is really what allows us to find different pollutant sources,” Noe says. “We want to try and find the things that we can control.”

An assessment study with an initial term of one year and up to five additional one-year terms will also be conducted.

Town of James Island show officials estimate the total cost of the monitoring to be less than $70,000 per year. The South Carolina Department of Environmental Services confirms the Town of James Island is covered under the Charleston County MS4 permit.

The 4,352-acre creek is sometimes used for boating, kayaking, swimming and fishing, but officials want to warn residents that it should be used with caution.

“James Island Creek is a beautiful, beautiful body of water that cuts through the heart of James Island,” Charleston City Councilwoman Leslie Skardon says. “This testing is a priority for the city, the county, and the town to make sure that the people who live on James Island can continue to enjoy what makes the island so special.”

In collaboration with the Charleston Water System and Charleston Waterkeeper, these local entities also released a watershed management for the creek in 2021.

In 2024, the Charleston Waterkeeper said the James Island Creek passed the bacteria level test 10 percent more than in 2023, meaning it is on the route to recovery. However, there is still a long way to go and officials say the monitoring will help tremendously.

“Restoring the health of the creek is very important to us, but we think it’s important that residents know that through these efforts we can’t necessarily make it 100% safe to swim all of the time,” Noe says. “It is a long process to detect these pollutants and even if we find one, a new one may come up later.”

The Town of James Island council meeting is on Thursday at 7 p.m.

“It is so important to invest in our environment and in science and testing because if we can spend a little dollars now for prevention later on from someone getting sick, it’s well worth it,” Skardon says.

Copyright 2026 WCSC. All rights reserved.

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