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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 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.

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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.

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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.

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 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
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Latest News Near Me Richland, SC

Richland County, SC – Wanted Wednesday: Burglary Suspect Sought

Richland County, SC – Investigators are asking for the public’s help today to identify a suspect connected to a series of burglaries and vehicle thefts in the Wildflower Road area earlier this month.According to the Richland County Sheriff’s Department (RCSD), deputies are attempting to identify a male suspect allegedly involved in a burglary in which he broke into a woman’s home, stole her vehicle keys and credit cards, and took her vehicle. Investigators say the suspect later returned the veh...

Richland County, SC – Investigators are asking for the public’s help today to identify a suspect connected to a series of burglaries and vehicle thefts in the Wildflower Road area earlier this month.

According to the Richland County Sheriff’s Department (RCSD), deputies are attempting to identify a male suspect allegedly involved in a burglary in which he broke into a woman’s home, stole her vehicle keys and credit cards, and took her vehicle. Investigators say the suspect later returned the vehicle to the residence, then came back again, took the keys, and stole the vehicle a second time.

RCSD said the initial vehicle theft occurred Saturday, November 16, 2025, in the Wildflower Road area of Richland County. The vehicle was reportedly stolen again on Sunday, November 17, 2025. Investigators say the suspect then attempted to use the victim’s credit cards on Monday, November 18, 2025.

Surveillance images released by the sheriff’s department show the suspect inside what appears to be a convenience store. His identity remains unknown, and deputies are urging anyone who recognizes the individual or has information related to the case to come forward.

The case was highlighted as part of the department’s ongoing “Wanted Wednesday” initiative, which uses public assistance to help identify suspects in active investigations. Authorities emphasize that tips can be submitted anonymously.

Anyone with information is asked to contact the Richland County Sheriff’s Department at 803-576-3000. Tips can also be submitted anonymously through CrimeStoppers at 1-888-CRIME-SC.

Deputies remind the public not to approach the suspect and to share any relevant information directly with law enforcement.

This article was produced by a journalist and may include AI-assisted input. All content is reviewed for accuracy and fairness. Follow us on Instagram & Facebook for more relevant news stories and SUPPORT LOCAL INDEPENDENT NEWS! Have a tip? Message us!

High-speed Richland County chase ends with crash into power pole, driver arrested

COLUMBIA, S.C. (WIS) - A man was arrested after a high-speed chase ended in a crash into a power pole in Richland County.The Richland County Sheriff’s Department said 32-year-old Leland Cheeks was charged Friday with failure to stop for blue lights, reckless driving, driving under suspension and striking a fixture on or adjacent to the roadway.RCSD said Cheeks was driving a white Jaguar SUV that fled from deputies at around 10:30 p.m. Friday. The car was spotted again minutes later near Parklane Road, but Cheeks reportedl...

COLUMBIA, S.C. (WIS) - A man was arrested after a high-speed chase ended in a crash into a power pole in Richland County.

The Richland County Sheriff’s Department said 32-year-old Leland Cheeks was charged Friday with failure to stop for blue lights, reckless driving, driving under suspension and striking a fixture on or adjacent to the roadway.

RCSD said Cheeks was driving a white Jaguar SUV that fled from deputies at around 10:30 p.m. Friday. The car was spotted again minutes later near Parklane Road, but Cheeks reportedly didn’t stop for lights and sirens - initiating a chase.

Other details of the pursuit were redacted from an RCSD incident report obtained by WIS on Monday. However, it does state that Cheeks crashed into another vehicle during the chase on Interstate 77 South, as well as a power pole that caused a transformer to blow.

After the second crash, deputies surrounded the vehicle and began calling Cheeks out. RCSD also opened the driver’s door and demanded that Cheeks show his hands, or a K-9 would go after him.

The sheriff’s department said Cheeks then came out of the wreckage on his hands and knees. He was detained at the scene.

Cheeks was treated at a hospital for foot and leg pain. He was later released and booked at the Alvin S. Glenn Detention Center. As of noon Monday, records show he is being held on a nearly $33,000 bond.

The South Carolina Highway Patrol took over the investigation of the crash on I-77, while Dominion Energy crews responded to repair the power pole and transformer.

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One dead, one hurt in Richland County after shooting

COLUMBIA, S.C. (WIS) - The Richland County Sheriff’s Department is investigating after a Friday night shooting left one person dead and another hurt.Deputies said they were dispatched Friday around 9:30 p.m. to the 7500 block of Hunt Club Road after reports of a shooting. After arriving, deputies said they located a male victim suffering from a gunshot wound to his midsection. RCSD said deputies provided medical aid to the victim until EMS arrived and transported the victim to a local hospital.While circulating the immedi...

COLUMBIA, S.C. (WIS) - The Richland County Sheriff’s Department is investigating after a Friday night shooting left one person dead and another hurt.

Deputies said they were dispatched Friday around 9:30 p.m. to the 7500 block of Hunt Club Road after reports of a shooting. After arriving, deputies said they located a male victim suffering from a gunshot wound to his midsection. RCSD said deputies provided medical aid to the victim until EMS arrived and transported the victim to a local hospital.

While circulating the immediate area for additional evidence, deputies found two guns: one inside the residence and another outside on the ground.

According to investigators, after arriving at the hospital, another shooting victim was being transported to the same hospital. Investigators learned the second victim, also a male, had a gunshot wound to the upper body and was pronounced dead upon arrival.

Investigators said they were able to conclude that both gunshot wound victims were related to the same incident.

RCSD says this is an active and ongoing investigation.

The department asks if anyone has information about the incident to call RCSD at 803-576-3000 or submit a tip through CrimeStoppers at 1-888-CRIMESC.

This is a developing story. Check back here for more updates as we learn more.

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Use of force by Richland deputies leaves man battered & bruised on live TV show

Editor’s note: This story was updated Thursday at 10:15 a.m. to clarify that deputies did not cause the large knot that can be seen on the top of Outen’s head.A traffic stop by the Richland County Sheriff’s Department — captured on the TV show “On Patrol: Live” — left a man with multiple injuries to his face after refusing to exit his vehicle. The department now says it plans to review its use of force policy.Around 7:45 p.m. on Dec. 6, deputies conducted a traffic stop on Maxie ...

Editor’s note: This story was updated Thursday at 10:15 a.m. to clarify that deputies did not cause the large knot that can be seen on the top of Outen’s head.

A traffic stop by the Richland County Sheriff’s Department — captured on the TV show “On Patrol: Live” — left a man with multiple injuries to his face after refusing to exit his vehicle. The department now says it plans to review its use of force policy.

Around 7:45 p.m. on Dec. 6, deputies conducted a traffic stop on Maxie Outen, 31, on Hardscrabble Road for failing to maintain lane, according to a news release.

Upon making contact with Outen, a deputy spotted a white substance inside a plastic bag that Outen said was a narcotic, the release said.

Outen was then ordered out of the car, but refused, according to the release. A fight between deputies and Outen broke out and lasted several minutes, during which deputies struck Outen multiple times as the 31-year-old resisted and kicked deputies, the release said. A Taser was also deployed but was ineffective.

Once detained, deputies searched Outen’s vehicle and found an open bottle of liquor, narcotics, a firearm and a box of ammunition. He was charged with possession of a schedule 1 narcotic, possession of a firearm by a convicted felon, transport of liquor by vehicle with a seal broken, third-degree assault and battery and resisting arrest, according to the release.

In a mugshot photo, Outen appeared to have a bruise around his left eye with blood surrounding his nose and lips. The knot on top of Outen’s head was not a result of the incident, according to Sheriff Leon Lott and a photo of Outen’s driver’s license, taken before his encounter with deputies.

The department said in a news release that it will review its use of force policy and that its Citizens Advisory Council will review the incident during a meeting in January.

Outen was booked into the Alvin S. Glenn Detention Center. He was released on a $17,382.50 bond, according to the release.

NAACP condemns viral ‘On Patrol: Live’ arrest in Richland County

RICHLAND COUNTY, S.C. (WIS) - The NAACP condemned an arrest in Richland County seen during a recent episode of “On Patrol: Live” that has sparked debate online.The organization’s South Carolina chapter released a statement Thursday, nearly a week after the arrest of 31-year-old Maxie Outen by the Richland County Sheriff’s Department aired on the show and sparked debate online.“Recently, OPL filmed officers of the Richland County (SC) Sheriff’s Department subjecting citizens to beatings and ta...

RICHLAND COUNTY, S.C. (WIS) - The NAACP condemned an arrest in Richland County seen during a recent episode of “On Patrol: Live” that has sparked debate online.

The organization’s South Carolina chapter released a statement Thursday, nearly a week after the arrest of 31-year-old Maxie Outen by the Richland County Sheriff’s Department aired on the show and sparked debate online.

“Recently, OPL filmed officers of the Richland County (SC) Sheriff’s Department subjecting citizens to beatings and tasings. The NAACP-South Carolina State Conference (NAACPSC) strongly urges the citizens of this State to join them in insisting on a full investigation of these incidents,” the NAACP said in its statement.

The NAACP added that it argues the show “broadcasts arrests as a form of ‘entertainment’ at the expense of possibly jeopardizing an individual’s right to a fair trial.”

RCSD said Outen was taken into custody Saturday on Hardscrabble Road after deputies pulled him over for swerving in the road. Outen reportedly admitted to having narcotics in his car, but did not step out of the car when asked.

Deputies are then seen on video trying to force Outen out of the car, dragging him by his feet as well as punching and Tasing him multiple times. The department noted that it was, in their words, “an indication of someone under the influence of drugs.”

Outen was eventually pulled out of the back seat and taken to the ground before being handcuffed with five deputies around him. Outen is heard saying he cannot breathe, moments before deputies get off of him as he remained handcuffed on the ground.

RCSD said after Outen was in custody, an open liquor bottle and a gun were found in his car. The gun was reportedly discovered in the door panel on the driver’s side.

Footage from the arrest later circulated across social media, with some posts questioning the department’s use of force. RCSD has contested that the video from the show being shared is “only showing a portion of the actual incident.”

RCSD said its professional standards division and training division are reviewing the use of force. Evidence will also be presented in January to the department’s citizen advisory council.

The NAACP said it was also willing to work with authorities on an investigation.

“The NAACP South Carolina State Conference is willing to work with the Sheriff’s Department and other local law enforcement, Governor Henry McMaster, and the federal Department of Justice to ensure the safety of our citizens,” NAACPSC President Brenda Murphy said in a statement.

Outen, meanwhile, was charged with being a felon in possession of a firearm, resisting arrest, third-degree assault, possession of a schedule I narcotic and transporting liquor with a broken seal.

After being booked at the Alvin S. Glenn Detention Center, he was released on bond.

The arrest was broadcast at the beginning of Saturday’s episode of “On Patrol: Live,” a program airing on Reelz that follows multiple law enforcement agencies across the country. The show is a spiritual successor to A&E’s “Live PD,” which also featured RCSD before its cancellation in 2020.

FULL NAACP STATEMENT

The television show “On Patrol: Live” (OPL) broadcasts arrests as a form of “entertainment” at the expense of possibly jeopardizing an individual’s right to a fair trial.

Recently, OPL filmed officers of the Richland County (SC) Sheriff’s Department subjecting citizens to beatings and tasings. The NAACP-South Carolina State Conference (NAACPSC) strongly urges the citizens of this State to join them in insisting on a full investigation of these incidents. “Public Safety Officers” are expected to abide by certain training and tactics; we are concerned that these Officers be subject to appropriate oversight.

NAACPSC President Brenda Murphy states, “The NAACP South Carolina State Conference is willing to work with the Sheriff’s Department and other local law enforcement, Governor Henry McMaster, and the federal Department of Justice to ensure the safety of our citizens.”

Further, NAACPSC is concerned about the media profiting from the publicization of disturbing and degrading incidents, especially of citizens who all too often have been subject to disrespect. Our position is that no form of media should utilize such video for “entertainment.”

Feel more informed, prepared, and connected with WIS. For more free content like this, subscribe to our , and . Have feedback that can help us improve? .

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