Agente Hipotecario in Richland, SC

Consulta Gratuita phone-number (843) 822-5685

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 Richland, 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 Richland, SC
Mortgage Lending Service Richland, 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 Richland, SC
Refinances Richland, 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 Richland, 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 Richland, 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 Richland, SC

Latest News in Richland, SC

Search ends for missing Richland County teenager believed to be in danger, SC cops say

UPDATE: Montrell Bowers-Sanders has been located safely, the Richland County Sheriff’s Department said March 20. He was unharmed, according to the sheriff’s department, but information about where he was found was not available.Original StoryA search is underway for a missing South Carolina teenager with medical issues.Montrell Bowers-Sanders was publicly reported missing by the Richland County Sheriff’s Department Wedn...

UPDATE: Montrell Bowers-Sanders has been located safely, the Richland County Sheriff’s Department said March 20. He was unharmed, according to the sheriff’s department, but information about where he was found was not available.

Original Story

A search is underway for a missing South Carolina teenager with medical issues.

Montrell Bowers-Sanders was publicly reported missing by the Richland County Sheriff’s Department Wednesday. The 14-year-old has not been seen for three days, the sheriff’s department said in a news release.

Montrell was last seen March 17 while in the 7300 block of Parkview Drive in Columbia, according to the release. That’s near Exit 73 on Interstate 20, which is the junction with S.C. 277.

There was no word if Montrell was considered a runaway, or if he was alone when he was last seen. The sheriff’s department did not say if foul play was suspected in Montrell’s disappearance.

The teen has medical issues that require treatment, the sheriff’s department said. Further information on his condition was not available, but the sheriff’s department said Montrell is “believed to be in danger as he requires medical assistance.”

The sheriff’s department didn’t provide a description of Montrell, but said he was last seen wearing blue jeans, a multicolored shirt and a blue fleece.

Anyone who has seen Montrell, or has information about him, is asked to call the sheriff’s department at 803-576-3000, or CrimeStoppers at 888-CRIME-SC or submit an online tip.

This is a developing story, check back for updates.

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This story was originally published March 20, 2025 at 10:04 AM.

I was attacked by a Richland Co. police dog, and now I understand why we still use them

I knew it was coming, but there’s no preparing for the feeling of a Belgian Malinois clamping its jaws down on your arm — and pulling.The Richland County Sheriff’s Department recently hosted a “media day” full of information and demonstrations showcasing the different units in the department. As the day wrapped up, it was time for the K-9 unit to shine.Though the itinerary clearly said “K-9 demonstration,” it failed to ...

I knew it was coming, but there’s no preparing for the feeling of a Belgian Malinois clamping its jaws down on your arm — and pulling.

The Richland County Sheriff’s Department recently hosted a “media day” full of information and demonstrations showcasing the different units in the department. As the day wrapped up, it was time for the K-9 unit to shine.

Though the itinerary clearly said “K-9 demonstration,” it failed to note that we would be the test dummies.

The deputies assured me I wouldn’t feel a thing under the thickly padded training suit. They said they’ve had middle schoolers lined up to get in the suit — surely I was brave enough to do it myself.

Sgt. Josh Newsom sweetened the deal, telling me he’d bring in his own dog, Bali, who is set to retire this year. Bali is a Belgian Malinois, which looks like a slightly smaller, leaner German Shepard.

I did the math in my head: padded suit, older dog trained by the unit’s leader himself … I’d probably be in good hands.

I questioned my judgment the second the door opened. Bali, an 11-year-old with a slightly greying coat, looked sweet enough. He was clearly excited, whimpering and pulling at his leash. It took me only a few seconds to realize he wasn’t excited to meet us — he was excited to attack.

After I signed a waiver, I jumped into the heavy suit, made of a dense fabric called Jute.

Stepping onto the mat with my hands clasped together, I turned away from Bali and waited.

With Bali panting behind me, Newsom decided this was the perfect time to talk about why K-9 units are important.

“We carry a bunch of lethal weapons on us and in our cars, but nothing that can’t be taken by force and used against us,” said Newsom, “except for (the dogs).”

The dogs are also unique in the sense that they can be sent out and recalled during a high-pressure encounter.

Last year was a tough year for the department — the unit lost three dogs. When they’re fully staffed, RCSD has 25 dogs.

Newsom said they’ve just purchased a new dog, and he’s testing more dogs tomorrow. They can range anywhere from $8,500 for a “green” dog with no training, to over $20,000 for specialized dogs, like those on the SWAT team.

Newsom does all the training for the dogs in-house. Handlers are each assigned one dog, and generally train eight hours a day for four months before they’re ready to join the unit. Even then, handlers are still required by law to train for 16 hours a month. But Newsom said he expects his deputies to keep training every free moment they have on shift.

“All of my handlers are expected to train when they first come on shift, and before they go home,” Newsom said, “If we’re not actively involved in something, we’re training.”

The department features bomb dogs, evidence-sniffing dogs, human remains detection dogs and even an “electronic storage device dog” that can sniff out any device that can store data, sometimes as small as a flash drive.

The majority of the dogs are “full service patrol” dogs, like Bali — meaning they’re used for protection, to apprehend suspects and to sniff out narcotics.

“You’re actually seeing one of our grumpiest, less likely to listen dogs right now,” Newsom said. “This is the worst behaved dog we have … But all of them are, obviously, a high enough tier to work here at Richland.”

Everyone chuckled. I gulped.

"You ready?" Newsom asked me.

I said yes. For what felt like an eternity, there was only the sound of Bali's heavy breathing behind me while he waited for his handler's command.

And then he was on me — 195 pounds of bite force sank into the pocket of the suit between my right shoulder and arm. His teeth found purchase on my elbow joint, and the deputies had to grab hold of me while Bali tried his best to bring me to the ground.

Though I added an extra padded sleeve under the suit, I certainly felt Bali’s wrath. I’ve heard the feeling described as a “big pinch.” I would say that’s accurate, if you’re being pinched by the Hulk, and he’s also shaking you around. I lasted about 10 seconds.

Newsom called Bali off, and told me to walk away. As I moved out of the range of Bali's jaws, he sprung one last time for me. I'll call that a love tap.

My arm hurt mildly for the rest of the day, as though I had hit my "funny bone" really hard. As I write this a few days later, a small bruise has blossomed on the inside of my elbow, directly on my joint. It doesn’t hurt unless I touch it, thankfully.

I can report I’ve lost no love for dogs — not even Bali. I hope he enjoys his retirement, he’s certainly earned it. But, for my own sake, I hope I never end up on that side of a Malinois’ jaws again.

Contact Chloe at cbarlow@postandcourier.com

Richland County fined $3 million over issues found at Scout Motors construction site

SCDES said Richland County must pay $1 million of the fine over the next 11 months.Credit: WLTXBLYTHEWOOD, S.C. — State officials have fined Richland County $3 million over what inspectors said were violations found at the Scout Motors plant construction site near Blythewood.The South Carolina Department of Environmental Services (SCDES) executed a c...

SCDES said Richland County must pay $1 million of the fine over the next 11 months.

Credit: WLTX

BLYTHEWOOD, S.C. — State officials have fined Richland County $3 million over what inspectors said were violations found at the Scout Motors plant construction site near Blythewood.

The South Carolina Department of Environmental Services (SCDES) executed a consent order with Richland County and Scout on May 5 that lays out the fines and also what corrective actions must be taken. A consent order is a way of resolving a legal matter without a trial.

While the fine against Richland County is $3 million, roughly $2 million of that total is eligible to be suspended if the facility meets certain requirements by several spelled-out deadlines.

Richland County owns the land off Blythewood Road where Scout is building a massive facility set to open in 2027 that will make electric SUVs and trucks. The county is responsible for managing the land, including efforts to stop water running off the site and any contamination that might cause.

The order states that back in March of 2024, SCDES—then known as SCDHEC—did an inspection of the site and found what they called "deficiencies" related to water and silt drainage at the site. The consent order says those included not having an emergency spillway near a basin, in-stream check dams at the property line of nearby Beasley Creek were too small, and an observation that silt and sediment had built up below the property line—an indication sediment was actively leaving the site. SCDHEC issued a notice of deficiency and asked the owners to correct the problem.

Subsequent inspections in April, June, and July of 2024 also noted deficiencies with stormwater plans and best management plans to control runoff, leading to sediment to enter Beasley Creek, according to SCDES. While some corrections were made that summer, more problems were noticed, however, at another inspection in August.

The newly created SCDES then met with representatives for Scout and Richland County in August. Richland County told the agency it had a corrective action plan that included working on better erosion control, among other measures.

Ultimately, SCDES concluded Richland County violated several state codes and regulations. The consent order states that Richland County now has to submit documentation that they are making changes to address problems at the site that they've identified over the next 45 to 60 days.

SCDES said Richland County must pay $1 million of the fine over the next 11 months. The first payment—$85,000—had to be made this month, with each subsequent one due on the first of the month. The rest of the $3 million could be avoided if Richland County makes the necessary corrections.

News19 contacted Richland County officials for comment on the consent order, and got this response:

“Richland County remains committed to upholding the highest environmental standards at the Scout Motors site. The June 2024 report was promptly resolved, and a third-party engineering firm was engaged—alongside the state—to ensure full regulatory compliance. Richland County has worked collaboratively to set goals and correct any outstanding issues.

We’re proud to support Scout Motors, the largest economic development project in our history, with over $2 billion in investment and 4,000 new jobs. This project marks a major step forward in creating opportunity and long-term growth for our region.

Richland County and the State remain focused on ensuring the project's success and building a strong, sustainable future in partnership with Scout Motors.”

When contacted by News19, a Scout spokesperson said in part, "throughout this process, we have maintained open communication with County leadership and the South Carolina Department of Commerce, who we believe will ensure that the County and State's work on the production site will be in full compliance with environmental regulations.

"Scout Motors remains fully committed to the successful launch of our $2 billion Production Center in Blythewood, South Carolina. We are dedicated to working collaboratively with our partners to finalize site construction, prepare for production, and create 4,000 rewarding new jobs, which will provide lasting benefits to the Midlands community and beyond.”

Richland County, SC Transforms Procurement Operations with OpenGov

RICHLAND COUNTY, SC, UNITED STATES, May 7, 2025 /EINPresswire.com/ -- After facing persistent challenges with ineffective vendor registration and limited contract management tools, Richland County, SC sought a modern solution to overhaul its procurement operations. The County selected OpenGov, the industry-leading provider of cloud software purpose-built for government, to meet its evolving needs.Located in the heart of South Carolina and home to more than 40...

RICHLAND COUNTY, SC, UNITED STATES, May 7, 2025 /EINPresswire.com/ -- After facing persistent challenges with ineffective vendor registration and limited contract management tools, Richland County, SC sought a modern solution to overhaul its procurement operations. The County selected OpenGov, the industry-leading provider of cloud software purpose-built for government, to meet its evolving needs.

Located in the heart of South Carolina and home to more than 400,000 residents, Richland County needed a procurement platform that could improve vendor compliance, reduce administrative overhead, and strengthen internal collaboration. The County was especially interested in better tools for tracking vendor performance and managing solicitations across departments. OpenGov Procurement & Contract Management stood out for its robust functionality, superior support, and flexibility to meet the County’s unique operational requirements.

With the implementation of OpenGov Procurement & Contract Management, Richland County expects to bring greater transparency, consistency, and control to the entire procurement lifecycle. The County will benefit from improved vendor verification processes and the ability to monitor compliance in real-time, giving staff more confidence in vendor relationships. Plus, customizable alerts and streamlined contract dashboards will help teams stay organized and responsive—ensuring no deadlines or obligations fall through the cracks.

OpenGov is the leader in AI-enabled software for cities, counties, state agencies, and special districts. With a mission to power more effective and accountable government, OpenGov serves more than 2,000 communities across the United States. OpenGov is built exclusively for the unique enterprise asset management, permitting and licensing, procurement & contract management, tax & revenue collection, budgeting and performance, and financial management needs of the public sector. The OpenGov platform empowers organizations to operate more efficiently, adapt to change, and strengthen trust in the communities they serve. Learn more or request a demo at opengov.com.

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