Agente Hipotecario in Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, SC
 Mortgage Lending Service Mount Pleasant, 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 Mount Pleasant, SC
 Refinances Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, SC

Latest News in Mount Pleasant, SC

$7.8M recreation complex with pickleball courts opens in Mount Pleasant

Listen to this articleThe Carolina Park Recreation Complex in Mount Pleasant is open to the public, with the completion of the project’s final phases.SeamonWhiteside, the civil engineering company behind the complex, completed the master plan in 2009, finishing phase one in 2010 and phase two in 2019, Whitner Kane, a landscape architecture team leader at SeamonWhiteside, said.The team was able to complete phases three and four together after acquiring additional funding from Recreation Capital Improvement Funds and...

Listen to this article

The Carolina Park Recreation Complex in Mount Pleasant is open to the public, with the completion of the project’s final phases.

SeamonWhiteside, the civil engineering company behind the complex, completed the master plan in 2009, finishing phase one in 2010 and phase two in 2019, Whitner Kane, a landscape architecture team leader at SeamonWhiteside, said.

The team was able to complete phases three and four together after acquiring additional funding from Recreation Capital Improvement Funds and special revenue funds, Kane said.

The $7.8 million park is home to baseball and softball fields, batting cages, pickleball and basketball courts, a dog park, pond and other nature trails.

“Mount Pleasant’s grown significantly since 2009, especially in recreation through the Mount Pleasant rec department is really, really popular,” Kane said. “Scheduling of fields and adding fields has been a priority.”

The only elements of the complex’s plan which haven’t been completed are a few nature trails and boardwalks, Kane said. The group will depend on funding for whether those final touches will be completed.

In addition to civil engineering, SeamonWhiteside provides services such as landscape architecture, master planning, water resources engineering, construction administration and land surveying, according to their website.

The group has a history of development through South Carolina, completing projects for Clemson University and the Medical University of South Carolina, as well as the Greenville Top Golf and Charleston’s Credit One Stadium.

Related: Real estate investment firm acquires North Charleston retail property

Related: First phase of luxury apartments opens in Nexton community in Summerville

Founded 40 years ago, SeamonWhiteside now has six offices, Mount Pleasant serving as the “home base,” Kane said, along with Summerville, Greenville, Spartanburg in South Carolina and Charlotte and Raleigh in North Carolina.

Kane said that each region of South Carolina has its own challenges: Charleston has a lot of flat land but needs to work around wetlands, whereas the Upstate has less flat land and works more towards level construction ground.

SeamonWhiteside’s next project is Rifle Range Road Park, and expects to have the design and permits completed to start construction in spring of 2025, according to the town of Mount Pleasant website.

Mount Pleasant foster care resource center holds grand opening to the public

MOUNT PLEASANT, S.C. (WCSC) - A new resource center called The Haven had its grand opening Saturday in Mount Pleasant.The Haven caters to children and families within the foster care, adoption and kinship community. The non-profit organization is one of the ministries at City Life Church and has been in the works for years.It has been designed to look like a boutique where foster and adoption care children and families can shop without worrying about the cost.“We want it to be a beautiful, safe place, which is kind...

MOUNT PLEASANT, S.C. (WCSC) - A new resource center called The Haven had its grand opening Saturday in Mount Pleasant.

The Haven caters to children and families within the foster care, adoption and kinship community. The non-profit organization is one of the ministries at City Life Church and has been in the works for years.

It has been designed to look like a boutique where foster and adoption care children and families can shop without worrying about the cost.

“We want it to be a beautiful, safe place, which is kind of the plan behind the name Haven,” ministry coordinator Megan Seavers said.

The Craswells are expecting to be certified foster parents later this year and they say it’s comforting to know this is an option for children they may welcome into their home.

“It’s helpful for us because we know there’s a place where we can bring any children in our care and pick things out,” future foster parent Emily Craswell said. “I don’t want to have to tell a child they can’t have it because it’s not in the budget right now. So, here they can come and pick these really beautiful clothes and feel good about themselves.”

They said they’re aware of how traumatic foster care may be, so a resource center like The Haven can help with that transition.

“From what we understand, they could happen overnight, not even overnight leahy, your doorstep and we might not be prepared at all for that and to know that there’s a place like this around is really, really helpful,” foster parent Paul Craswell said.

The Haven will be open three days out of the week on Tuesday mornings, Thursday evenings and Saturday mornings.

Seavers says she knows the foster, kinship and adoption care process can be unexpected at times, so this space allows an opportunity for families to come pick up a few things they may need--from clothes, toys, books, swaddles, shoes and hygiene and self-care items.

“Just because you don’t have resources doesn’t mean that you should have the leftovers,” Seavers said.

Seavers says they want this space to make children and families feel safe and special.

“We’re just coming alongside the community of adoption pastor and ship and really just saying, we’re here for you, Seavers said. “We know it’s hard, we know it takes a lot of time and money and we’re here for you. We just want this to kind of grow into more than just tangible resources, but into how can we serve you mentally emotionally spiritually and tangibly”

If you are interested in shopping, donating or volunteering, you can visit their website here.

Copyright 2024 WCSC. All rights reserved.

Holy City Tennis Shop: What’s All the Racquet?

Are you looking for a personalized touch when it comes to your tennis equipment and supplies? Holy City Tennis has all that you could want and more to aid in your tennis hours.Daniel DiNardo opened this retail tennis shop over six years ago. He was working at a different tennis shop in town when it closed. He saw the need in the market and decided to open his own three months later in November 2017. While this is the sole location at the moment, talks of expansion are happening and on the horizon.With a specialization in mercha...

Are you looking for a personalized touch when it comes to your tennis equipment and supplies? Holy City Tennis has all that you could want and more to aid in your tennis hours.

Daniel DiNardo opened this retail tennis shop over six years ago. He was working at a different tennis shop in town when it closed. He saw the need in the market and decided to open his own three months later in November 2017. While this is the sole location at the moment, talks of expansion are happening and on the horizon.

With a specialization in merchandise, DiNardo has created a space where tennis lovers and athletes can come to try things on and find the right fit before they purchase. Different brands range in sizing and it can be difficult to find the perfect fit if you are ordering online. The knowledgeable staff at Holy City Tennis are ready to offer expertise and knowledge about all the products offered.

As a customer, you are able to physically look at and try out all the racquets to find the best one for your game. The three-day racquet demo allows you to try out a racquet before you purchase. They also offer specialty services like racquet customizations and racquet stringing. DiNardo takes time to know the products that he stocks and wants to ensure the highest level of quality and customer service to the tri-county area. There is something for every age and skill level at the shop and the staff is eager to make your tennis experience an enjoyable one.

Offerings include racquets, shoes, strings, grips, footwear, apparel and an assortment of other accessories. If you are looking for lessons, they can help with local teaching with professional referrals. The one-on-one experience and dialogue that is offered from this small business is unlike other sporting goods stores.

A sport that is growing in popularity is Pickleball. Holy City Tennis also offers a variety of supplies for this sport. They have everything from paddles and balls to shoes and apparel. Because of its popularity, you may be able to find somewhere to play but it is harder to find somewhere to purchase quality materials for the game.

DiNardo attributes the success of Holy City Tennis to the referrals and reviews of customers. The amount of return as well as new customers is constantly growing. Word of mouth has helped the popularity of the shop increase and grow into a thriving hub for the tennis community. “I am proud that we’ve been here for closer to a decade than not. We stand by our referrals and reviews.”

Holy City Tennis is happy to assist in finding what is needed to help you become a pro in no time. Stop by and see them for all of your tennis and pickleball needs. They can’t wait to serve up a positive experience.

For more information, please visit www.facebook.com/HolyCityTennisShop/, or call 843-284-8977.

By Cari Lawson

Sharing is Caring

Ask an Agent: Biggest Caveat to Buying an Older Home? Life’s Sweet Surprises: Gender Reveals, Baby Showers & Unexpected Pregnancies Blessing of the Fleet: Celebrating Mount Pleasant’s Shrimpers, Fishermen & Community Still Not Over It: Cooper River Bridge Run Maintains Global Appeal

Town of Mount Pleasant bringing more pedestrian improvements

MOUNT PLEASANT, S.C. (WCSC) - Pedestrian safety continues to be an issue in Mount Pleasant, so Town leaders are working to make the roads more accessible for non-motorized users.The Town has been working on the Hamlin Trail project for over a year. The project runs parallel to Rifle Range Road - extending the bike and pedestrian paths from the Vaughn Ed Kee Parkway project.The Hamlin Trail project is a $475,000 project funded in cooperation w...

MOUNT PLEASANT, S.C. (WCSC) - Pedestrian safety continues to be an issue in Mount Pleasant, so Town leaders are working to make the roads more accessible for non-motorized users.

The Town has been working on the Hamlin Trail project for over a year. The project runs parallel to Rifle Range Road - extending the bike and pedestrian paths from the Vaughn Ed Kee Parkway project.

The Hamlin Trail project is a $475,000 project funded in cooperation with the South Carolina Recreational Trails Program grant which contributed $100,000 toward construction.

This project added 1,700 feet of new bike and pedestrian paths to use. The new paths are 10 feet wide making them “shared-use paths.”

They have just completed the Hamlin Trail pedestrian bridge which is the first pedestrian bridge along the Mount Pleasant Way - a proposed network of 47 miles of connected multi-use paths for cyclists and pedestrians to have safer and more efficient alternative modes of transportation, as pedestrian safety has been a huge priority in the town.

The new addition of these paths at Hamlin Trail also provided access to the parking area for Rifle Range Park. The ultimate goal is to improve pedestrian and cyclist accessibility and safety.

Abby Hartmann Kukes is a resident in the area training for the New York City marathon. She says the Hamlin Trail project is important to herself and other distance runners in the area as there are not currently many safe options for them. She believes this was a necessary addition to the town.

“I think there’s not enough recreational areas, in particular, paved runways like this. I think a lot of areas, you know like over in West Ashley, there’s a greenway, and stuff like that. Mount Pleasant doesn’t really have anything like that. So, I think [the Town] needs something like that,” Hartmann Kukes says.

Hartmann Kukes says that she feels this addition also really allows her and other distance runners to avoid the busy roads in the town and run safely and more efficiently.

“I think it’s a good addition to everything because it’s a safe pathway for runners and it helps along a busy road to give us an opportunity to get more mileage in and in a safe environment,” she says.

Hartmann Kukes says she plans to use this new path and bridge all the time in the future, and she is excited to have the opportunity to do so now. Now that the Town of Mount Pleasant has completed the Hamlin Trail Pedestrian Bridge, Deputy Director of the Capital Projects and Transportation Department for Mount Pleasant James Aton says that they only have a few minor items to address before they can close the project in its entirety, but it is essentially complete.

Copyright 2024 WCSC. All rights reserved.

Swimming lessons at private homes may be allowed in Mount Pleasant in the future

MOUNT PLEASANT, S.C. (WCBD) – As summertime comes to an end, Mount Pleasant leaders are deciding if residents should be allowed to hold swim lessons at their private homes.“I just think that the good of the swim lessons and teaching these infants these lifesaving skills outweighs any of the negative drawbacks that could happen from it,” Mount Pleasant Town Councilman Jake Rambo told News 2.Rambo said this discussion began after a woman who was offering infant swim lessons at her home received noise complaints ...

MOUNT PLEASANT, S.C. (WCBD) – As summertime comes to an end, Mount Pleasant leaders are deciding if residents should be allowed to hold swim lessons at their private homes.

“I just think that the good of the swim lessons and teaching these infants these lifesaving skills outweighs any of the negative drawbacks that could happen from it,” Mount Pleasant Town Councilman Jake Rambo told News 2.

Rambo said this discussion began after a woman who was offering infant swim lessons at her home received noise complaints from a neighbor. Her lessons have since been put on hold, according to Rambo, as it turns out swim lessons at private residences are not permitted under a town ordinance regarding home-based businesses.

Leaders discussed changing the rule to allow for the at-home lessons during Tuesday’s Planning Committee meeting.

“I think most of council is in favor of doing this, but a lot of the debate today stemmed around how many restrictions are placed on it,” Rambo shared.

The councilman said the committee voted to send the proposed amendment to full council with a recommendation to limit the residential swim lessons to four hours per day. He said he is looking to change that four-hour restriction to allow for even more time, when it comes to council next week.

Meanwhile, Mount Pleasant Mayor Will Haynie indicated he is still figuring out where he stands on the time limit.

“I’m thinking about that one. It’s a lot to think about. Because what we don’t want to have happen is every other home-based business that’s allowed under our code to say, ‘well if you expanded this then you must expand to that.’ But first thing you have to remember, these are residential neighborhoods,” the mayor said.

Mayor Haynie told News 2 he’d like the pending change to the rule to only be applied to long term occupants.

“We don’t want short term rentals turning into places for commercial swim lessons because those are in neighborhoods,” Mayor Haynie explained.

The mayor said they want people to be able to get swim lessons, but while also protecting livability for neighbors.

“One thing that we did learn today is it can be specific for swim lessons and the noise ordinance already supersedes that so, no matter what they do they can’t violate the noise ordinance so that’s a comfort for the livability factor,” Mayor Haynie added.

The issue is set to come before town council on Tuesday of next week.

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.
 Rate And Term Refinance Mount Pleasant, SC

áreas de servicio