Agente Hipotecario Near Me Moncks Corner, SC

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 Moncks Corner, 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 Moncks Corner, SC
Mortgage Lending Service Moncks Corner, 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 Moncks Corner, SC
Refinances Moncks Corner, 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 Moncks Corner, 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.

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

Head-bottom

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 Moncks Corner, 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 Moncks Corner, SC

Latest News Near Me Moncks Corner, SC

Moncks Corner teams shine in state tournaments

Town of Moncks Corner Recreation Director Libya Rentz couldn’t have been more pleased with the group of softball all-stars representing the town during the South Carolina Athletic Programs’ state tournaments June 20-22 in Dillon.Moncks Corner was one of only two towns represented in all four age groups: 8U, 10U, 12U and 15U. The squads fought tooth and nail for hours beneath a blazing sun each day and had the support of mayor Thomas Hamilton along the way.“We are thrilled for the future of recreation softball ...

Town of Moncks Corner Recreation Director Libya Rentz couldn’t have been more pleased with the group of softball all-stars representing the town during the South Carolina Athletic Programs’ state tournaments June 20-22 in Dillon.

Moncks Corner was one of only two towns represented in all four age groups: 8U, 10U, 12U and 15U. The squads fought tooth and nail for hours beneath a blazing sun each day and had the support of mayor Thomas Hamilton along the way.

“We are thrilled for the future of recreation softball and for the future of softball in general,” an upbeat Rentz said. “it’s going to continue to grow. Success breeds more success. The kids want to be a part of a program that’s positive and has a family atmosphere. Our softball recreation coaches put their heart and soul into these kids. It’s just everybody becoming a big family.”

Three of Moncks Corner’s teams finished up their summer all-star journeys in championship games and were so close to returning to the Lowcountry with a state trophy. The 8U and 12U squads fell in contests decided by one run and the 15U team also placed runner-up. The 10U team finished third, losing its final game by one run.

“The group of coaches we have right now in our recreation softball program are second to none,” Rentz said. “They treat these girls like they’re their own, even with a tear in their eyes after the final games. I listened to their postgame speeches. It was like we lost the game, but we learned as players and people, and we’ll be back. Moncks Corner was represented in a positive light. It was a proud moment for myself and Hannah Haines, our athletic coordinator over softball.”

Each Moncks Corner all-star team qualified for state by either winning or finishing second in SCAP’s Southern District tournaments earlier this month. State champions were decided through eight-team, double-elimination events.

“They fought and cheered each other on,” Rentz said. “They showed a lot of resilience. Believe me when I tell you the heat index was over 100. I couldn’t be more proud of the kids and coaches.”

New Splash Pad Opens at Cypress Gardens in Moncks Corner

MONCKS CORNER, S.C. – Berkeley County officially kicked off summer with the grand opening of a brand-new splash pad at Cypress Gardens — and it’s already making a splash with families.County officials gathered for the celebration Saturday, where Berkeley County Supervisor Johnny Cribb praised the park’s staff and the collaborative effort behind the project.“They envisioned this project. They’re out here every single day,” Cribb said. “If you come out to this park, and I encourage ...

MONCKS CORNER, S.C. – Berkeley County officially kicked off summer with the grand opening of a brand-new splash pad at Cypress Gardens — and it’s already making a splash with families.

County officials gathered for the celebration Saturday, where Berkeley County Supervisor Johnny Cribb praised the park’s staff and the collaborative effort behind the project.

“They envisioned this project. They’re out here every single day,” Cribb said. “If you come out to this park, and I encourage you to do so, there’s something added to it all the time. This is just the latest amenity. We’ll keep adding to it.”

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The splash pad features a tipping bucket, water cannons, shaded picnic areas, restrooms, and more — all designed to be accessible and inclusive for kids of all abilities. It’s the latest in a series of upgrades to the park and comes at a perfect time as school lets out for summer vacation.

Cribb noted the cost-saving teamwork that made it possible. “We had a lot of county departments involved in this. We self-performed a lot of the work, other than what Atkinson Pools did in order to keep the costs down.”

Departments including water and sanitation, roads and bridges, and facilities and grounds all played a role in completing the project. Atkinson Pools built the splash pad itself.

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The splash pad is included with regular Cypress Gardens admission: $10 for adults, $5 for children ages 6–17, $6.50 for seniors, military, and 911 personnel. Children 5 and under are free.

The park is located at 3030 Cypress Gardens Road in Moncks Corner.

Moncks Corner 12-U all-stars win Southern District

Moncks Corner’s 12-U all-stars posted a sparkling 5-0 record in the SCAP Southern District softball tournament at Felkel Field in Goose Creek June 10-14 to garner a bid to the state tournament.Moncks Corner knocked off Charleston, 15-5, Saturday, June 14, to complete its perfect run in the South Carolina Athletic Programs’ event. It begins play in the eight-team state tournament Friday, June 20, in Dillon and hopes to be playing for all the marbles (after press time) a couple days later.“I thought we played pr...

Moncks Corner’s 12-U all-stars posted a sparkling 5-0 record in the SCAP Southern District softball tournament at Felkel Field in Goose Creek June 10-14 to garner a bid to the state tournament.

Moncks Corner knocked off Charleston, 15-5, Saturday, June 14, to complete its perfect run in the South Carolina Athletic Programs’ event. It begins play in the eight-team state tournament Friday, June 20, in Dillon and hopes to be playing for all the marbles (after press time) a couple days later.

“I thought we played pretty well,” Moncks Corner coach Ron Mitchum said. “We had our backs against the wall a couple times. We were up 5-0 in one game and had to score a couple runs late to win it.”

David Williams and Jordan Buso also coach the all-star squad, which outscored opponents 48-16.

“I feel like we pitch really well and we’re solid behind the plate,” Mitchum said. “My daughter (Bella Mitchum) has been catching for five years. She’s able to throw runners out. She threw out two runners in the championship game.”

On the other end of the battery, left-handed pitcher Alexis Buso was dominant inside the circle. She came on in relief and fanned 12 batters without allowing a hit to earn the win and also knocked in a pair of runs to help herself at the plate. Mitchum, Ansley Williams, Kaedence Braddy, Ava Drew Ensor and Raegan Johnson also collected two RBIs each in the title game. Adylinn Covert was 3-for-3 and scored twice.

Earlier in the day, Moncks Corner cruised past North Charleston, 9-1, behind Buso’s 12 strikeouts and Williams’ three RBIs to reach the final. Moncks Corner also defeated North Charleston, 7-5, to start the tournament and followed up with victories over Charleston, 13-2, and Hanahan, 4-3.

Buso finished with 48 strikeouts in four pitching victories and Williams recorded nine strikeouts in the first game versus Charleston. Kennedy Fann, Mitchum and Gracelyn Barnette drove in two runs apiece in that one. Fann led the way, going 3-for-3 with three runs scored. Paris Newman added a RBI and scored once.

Against Hanahan, Moncks Corner manufactured the go-ahead run in the bottom of the fifth inning. Ensor walked to lead off the inning and gave way to courtesy runner Tess House. House moved to second base on a walk to Millie Sellars and scored on a pair of passed balls to break a 3-3 tie.

In the tournament opener, Buso plated a pair of runs and Newman added a RBI.

Fann and Buso capped the tournament as Moncks Corner’s leading hitters in terms of batting average, going 6-of-11.

Moncks Corner makes impact fees official

There has been some debate over the rule, but the town of Moncks Corner made impact fees official at its May 20 council meeting. Now, if a developer or a business builds homes, apartments or commercial buildings, they will have to pay money to help the town absorb the hit on infrastructure.Several local municipalities have adopted the fees, and with the town growing and developing, it was only a matter of time before Moncks Corner joined the list.The city of Goose Creek charges developers a fee for single- or multi-family dwell...

There has been some debate over the rule, but the town of Moncks Corner made impact fees official at its May 20 council meeting. Now, if a developer or a business builds homes, apartments or commercial buildings, they will have to pay money to help the town absorb the hit on infrastructure.

Several local municipalities have adopted the fees, and with the town growing and developing, it was only a matter of time before Moncks Corner joined the list.

The city of Goose Creek charges developers a fee for single- or multi-family dwellings, as well as commercial or industrial construction. The fees are broken down based on the square footage of each structure. The impact fee for a multi-family dwelling is $1,926 for every 1,000 square feet of development, and for a single-family home, it is $2,567 for every 1,000 square feet.

"It's just another tool to cope with the growth," said Moncks Corner Mayor Thomas Hamilton following the unanimous vote by the council. "It's something we can use without burdening the taxpayer. These fees will go into an account, and then we can use it to buy things like fire trucks, police vehicles, sanitation trucks and other things that we have to spend money on to cover these new areas."

Particularly for Moncks Corner, a town that doesn't want to lose its small-town vibe, money helps with creativity. Making the case for impact fees, the mayor noted the cost of a new fire or sanitation truck is close to $1 million.

While buildable land is limited in Moncks Corner, the lion's share of the fee will be paid by commercial buildings, followed by home developers for single-family homes. The fees started on May 21.

"Anything that is permitted from that date will pay that impact fee," Hamilton said.

The fee will be $4,805 for each single-family home and $2,606 for each commercial apartment or townhome. Retail businesses will pay a maximum of $3,987 and industrial businesses will pay a maximum of $828.

"We seem to be in agreement with the developers," Hamilton said. "Some of the ones haven't given us any pushback because they want to be able to get the services the town can provide."

SC-based Spinx eyes Moncks Corner for C-store, while Krystal will slide into Walterboro

An Upstate convenience store and gas station operator is eyeing a fast-growing Berkeley County town for a new location.Greenville-based Spinx has applied for a permit with the S.C. Department of Environmental Services to develop 6.6 acres for a store at 3212 Old Highway 52 in Moncks Corner.According to t...

An Upstate convenience store and gas station operator is eyeing a fast-growing Berkeley County town for a new location.

Greenville-based Spinx has applied for a permit with the S.C. Department of Environmental Services to develop 6.6 acres for a store at 3212 Old Highway 52 in Moncks Corner.

According to the company, it is scheduled to open by the end of year.

Meanwhile, the chain is set to soon open its newest Lowcountry-area location in Mount Pleasant on the site of former Richard's Bar & Grill property on Highway 17, just north of the town's only Home Depot.

Spinx was founded in 1972 by Stewart Spinks when the former Shell Oil Co. employee bought his first gas station at Laurens Road and E. Washington Street in Greenville.

The retailer now operates more than 80 stores across the state.

Krystal in Colleton

A fast-food burger chain known for its square sliders is coming to Colleton County

Krystal announced it has struck a deal to return to the Lowcountry dining scene with a location at 1222 Bell Highway in Walterboro.

The restaurant is expected to open in July.

Krystal pulled out of the Charleston market nearly 30 years ago. The chain was founded in 1932 in Chattanooga, Tenn., and is now headquartered near Atlanta. It has more than 270 locations around the Southeast, including four in the Palmetto State.

The Krystal in Orangeburg was opened late last year by national radio personality Lenard McKelvey, who grew up in Moncks Corner and is better known as Charlemagne tha God, under a franchise agreement.

Peninsula pup-up

A self-service dog wash store has returned to downtown Charleston after nearly five years in a temporary location.

The Dog Wash’s larger space at 138 St. Philip St. is decorated like an old-school barber shop with bright red tubs inspired by red leather barbershop chairs.

Similar to a barbershop, each pet tub has its own mirror, so pups can get a good look at their freshly washed coifs.

With the larger space, owner Carrie Evans has added a robust retail section to the store, selling pet products, toys, grooming tools and pet accessories. The business also offers full-service grooming.

Evans, who previously worked in the fashion industry, came up with the idea of a self-service dog washing business in 2017 when she moved to the Lowcountry from New York and was looking for the common pet service ubiquitous in the Big Apple.

She opened her first store on Line Street and became a groomer, seeing the need for that service on the peninsula.

Relocating to a very small space in North Charleston following the COVID-19 pandemic kept loyal customers, but Evans had to pivot to only offering grooming services.

A massage appointment and impromptu networking with the owner of The Salt Spa on King Street led to finding a lease to bring The Dog Wash back downtown. Self-service washes are $30. Walk-ins are welcome. Grooming services are by appointment.

Smoothie bomb

The Bomb Bar, which serves smoothies, toasts, coffee and healthy breakfast and lunch options, has opened its second Lowcountry location at 424 Brighton Park Blvd. in Summerville's Nexton development.

Founded by Helen Hall-Leland, the business is now a franchise, with another location in Raleigh. According to a social media post, more than 400 people attended the Nexton opening.

The original Charleston location is at 466 Savannah Highway in West Ashley.

Fish Market

A new seafood restaurant has opened at 6 N. Market St., in the space that formerly housed Tabbuli Mediterranean. The Wreckfish Bar & Grill menu includes fried fish and seafood platters, sandwiches, peel-and-eat shrimp and oysters on the half shell.

Bagel topping

Ruby's Bagels is expanding again.

The company, which offers New York City-style bagels, breakfast and lunch options, spreads and coffee drinks, announced on social media it will open in Carnes Crossroads in Goose Creek.

It will be the sixth location for the business since owners Joe and Denise Harvey and Kevin and Gail Roach, opened their first store opened in Mount Pleasant in 2022.

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