¡Tu casa propia está más cerca de lo que crees! Hablamos tu idioma y hacemos el proceso fácil.

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Sabemos que muchos agentes de préstamos hipotecarios tienen una reputación horrible. Algunos corredores sólo ven a sus clientes como transacciones y como un medio para ganar dinero rápido. Se muestran impacientes y agresivos, sin comprender que se trata de una decisión muy importante para usted. En Mission One Mortgage, adoptamos el enfoque opuesto. Alentamos a nuestros clientes a que se tomen todo el tiempo necesario para hacernos preguntas y revisar los documentos hipotecarios. Podríamos decir que nuestra misión es superar tus expectativas, pero preferimos mostrártelo. Desde asistencia para encontrar préstamos de la FHA, VA u otros hasta refinanciar su hipoteca actual, Mission One es el equipo en el que puede confiar.

Estas son solo algunas de las razones por las que los compradores de viviendas eligen Mission One Mortgage:

No Additional Fees

Sin cargos adicionales- Al brindar los servicios a nuestros clientes de forma gratuita, utilizar un agente hipotecario como Mission One Mortgage puede ayudarlo a buscar el mejor precio en préstamos sin un precio elevado.

Access to 50 Lenders

Acceso a 50 prestamistas- Con acceso a una variedad de préstamos y tasas de interés disponibles, Mission One Mortgage puede buscar los mejores préstamos para sus necesidades específicas.

Accessible to Our Clients

Accesible a nuestros clientes- Al brindar un servicio transparente y comunicativo a todos nuestros clientes, Mission One Mortgage garantiza que todas las llamadas telefónicas sean respondidas o devueltas de manera oportuna.

Setting You Up for Success

Preparándote para el éxito- Ayudándolo a preparar todos sus documentos para la aprobación previa y la solicitud de préstamo, Mission One Mortgage le proporcionará toda la información necesaria para obtener el mejor préstamo.

¡Contáctenos para servicio!

Consulta Gratuita phone-number (843) 822-5685

Para comprender los beneficios de trabajar con un agente hipotecario, primero debe comprender su papel en el proceso de compra de una vivienda.

¿Qué hace un corredor hipotecario?

Su agente hipotecario es un tercero que trabaja para conectarlo con prestamistas hipotecarios. Básicamente, un corredor hipotecario actúa como intermediario entre una persona que quiere comprar una vivienda y las entidades que ofrecen préstamos para comprar una vivienda. El agente hipotecario trabaja tanto con el prestatario como con el prestamista para obtener la aprobación del prestatario. También verifican y recopilan la documentación del prestatario que el prestamista necesita para finalizar la compra de una vivienda. Por lo general, los agentes hipotecarios tienen relaciones con varios prestamistas de préstamos hipotecarios. Mission One Mortgage, por ejemplo, tiene acceso a 50 prestamistas diferentes, lo que nos brinda una amplia gama de préstamos hipotecarios en Sumter, 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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Refinances Sumter, 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 Sumter, 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 Sumter, 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 Sumter, SC

Woodlawn fire burns 632 acres in South Carolina

(WACH) — Firefighters from the U.S. Forest Service and several partner agencies have made significant progress on the Woodlawn Fire burning in southern McCormick County.The wildfire, now estimated at 632 acres, is burning on Sumter National Forest and South Carolina Department of Natural Resources land, about six miles north of Evans, Georgia. Officials said about 40 firefighters are working to contain the blaze.The fire is burning in heavy, dead, and fallen debris left by Hurricane Helene, making it difficult for crews t...

(WACH) — Firefighters from the U.S. Forest Service and several partner agencies have made significant progress on the Woodlawn Fire burning in southern McCormick County.

The wildfire, now estimated at 632 acres, is burning on Sumter National Forest and South Carolina Department of Natural Resources land, about six miles north of Evans, Georgia. Officials said about 40 firefighters are working to contain the blaze.

The fire is burning in heavy, dead, and fallen debris left by Hurricane Helene, making it difficult for crews to access the area, according to officials.

An aircraft was used on Saturday for strategic firing operations, bringing the fire to roadways where crews could more safely suppress it.

Officials said on Sunday that firefighters are focusing on securing control lines along the fire’s perimeter, extinguishing burning material threatening containment, and using a masticator to grind debris along control and contingency lines to reduce hazardous fuels.

Light rain is expected Sunday afternoon and tomorrow, followed by higher winds. There are currently no evacuations, and no structures are threatened, officials said.

Drivers should be cautious on Woodlawn Road and Highway 28, where visibility is reduced by smoke. Officials said there are currently no evacuations and no structures are threatened.

Smoke will continue to be visible in nearby communities, including Modoc and Clarks Hill in South Carolina. Smoke is also visible in Martinez, Evans, and Augusta in Georgia.

People should not fly drones near the wildfire, officials said they are dangerous to firefighters and public safety. If drones are seen, firefighting aircraft will be grounded, delaying response efforts.

The Woodlawn Fire was found around 6 p.m. Friday. Officials said the cause remains unknown.

The U.S. Forest Service is working with the South Carolina Forestry Commission, South Carolina Department of Natural Resources, and the Clarks Hill Fire Department.

‘Ringleader’ already in prison for multimillion SC Medicaid scheme receives more prison time

GREER, S.C. (FOX Carolina) - The United States Attorney’s Office said a Greer man has been sentenced to federal prison for wire fraud and money laundering related to CARES Act fraud.Officials said 54-year-old Jonathan Wade Sumter will serve 80 months in prison, followed by a three-year term of court-ordered supervision.According to the US Attorney’s Office, evidence revealed that between June 2020 and Jan. 2022, Sumter, his twin brother Jason Elijah Sumter, and Gerothia McCullough came up with a scheme to defraud th...

GREER, S.C. (FOX Carolina) - The United States Attorney’s Office said a Greer man has been sentenced to federal prison for wire fraud and money laundering related to CARES Act fraud.

Officials said 54-year-old Jonathan Wade Sumter will serve 80 months in prison, followed by a three-year term of court-ordered supervision.

According to the US Attorney’s Office, evidence revealed that between June 2020 and Jan. 2022, Sumter, his twin brother Jason Elijah Sumter, and Gerothia McCullough came up with a scheme to defraud the Paycheck Protection Plan and Economic Injury Disaster Loan programs by applying for funds on behalf of sham or defunct companies.

Officials went on to say that Jonathan and the others submitted applications containing phony company expenses, employee wage statements, and other false documents on behalf of the following companies:

Using these fraudulent applications, they obtained over $1.8 million of EIDL and PPP payments, officials said.

“Jonathan Sumter was the ringleader and submitted the applications on behalf of and with the permission of the others,“ the US Attorney’s Office said. ”When the loans were funded, the three split the proceeds.”

Officials mentioned that Sumter’s sentence will run concurrently with a 92-month sentence he was already serving for a 2023 federal conviction for health care fraud.

To recover ill-gotten gains from the defendants, officials said Jonathan Wade Sumter was ordered to pay $1,802,741 in restitution. Jason Elijah Sumter was ordered to pay $739,786 in restitution and he was ordered to forfeit a parcel of real property in Orangeburg County. Gerothia McCullough was ordered to pay $478,366 in restitution and she was ordered to forfeit a 2018 GMC Canyon.

Feel more informed, prepared, and connected with FOX Carolina. For more free content like this, .

Public hearings set for proposed 1,700-acre solar farm in Sumter County

A state review is underway for the White Palmetto Solar Project near Sumter as residents raise concerns ahead of a Public Service Commission hearing.REMBERT, S.C. — Residents in Sumter County will soon have another chance to weigh in on a proposed solar farm that could cover more than 1,700 acres.The White Palmetto Solar Project is being proposed by TOCE SC Solar One LLC and would be built near Borden Road and Black River Road, about 12 miles northwest of the City of Sumter near the Lee County line.According to the...

A state review is underway for the White Palmetto Solar Project near Sumter as residents raise concerns ahead of a Public Service Commission hearing.

REMBERT, S.C. — Residents in Sumter County will soon have another chance to weigh in on a proposed solar farm that could cover more than 1,700 acres.

The White Palmetto Solar Project is being proposed by TOCE SC Solar One LLC and would be built near Borden Road and Black River Road, about 12 miles northwest of the City of Sumter near the Lee County line.

According to the developer, the project would produce clean energy while generating about $765,000 in tax revenue each year.

The proposal has faced strong opposition from some residents.

In May of last year, the Sumter City-County Board of Zoning Appeals unanimously denied the company’s request for a special exception after community members raised concerns about the project.

The developer has since appealed that decision to the state, which will now review the case.

A new public hearing will give residents the opportunity to share their concerns directly with the South Carolina Public Service Commission.

Some residents say they believe local governments should prioritize protecting communities when considering projects like this.

“So I believe that the, you know, what we expect, the citizens of the county, is for our local government whether it's city or county council to make decisions that first and foremost protect us, and I believe that that will be something that will be, you know, in jeopardy it would if this, if this goes through, it will allow anyone to come in with any industrial type facility,” said Sumter resident Traci Rogers.

Others say they are encouraging more residents to learn about the proposal and get involved in the process.

“We’re making sure that the community is aware, getting the community involved, not only in this area of Rembert, but the Bordon area, where this is expected, but to make the whole town aware because it could be coming to their back door next,” said resident Serena Cook.

State leaders say they are aware of the concerns raised by residents and are monitoring the situation as the state review process moves forward.

“What I am going to do, and this is my promise to everyone is to stay out of it and just watch and learn this process the best I can so that on the other side of it we can craft legislation to make sure that sufficient legislation protections are in place across the state and then look out for them and build up on them if they so choose,” said Sen. Jeff Zell.

A public hearing will be held Wednesday, March 18 at 6 p.m. at Patriot Hall in Sumter. Another in-person hearing is scheduled for March 25 in Columbia, along with virtual options for residents who want to provide comments.

After the hearings conclude, the Public Service Commission is expected to issue a final decision by June 1.

Sumter native to be next Sumter School Superintendent

Dr. Gerald Gary has been offered the job as the new Sumter School District superintendent.SUMTER, S.C. — Sumter School District announced in their meeting this evening they had picked a new superintendent.The Board of Trustees unanimously selected Dr. Gerald Gary as Sumter School District Superintendent pending successful negotiations.Gary is a Sumter native.The decision comes just days after the district wrapped up community meet and greets with the finalists last week.Dr. Gerald Gary born at Tuomey ...

Dr. Gerald Gary has been offered the job as the new Sumter School District superintendent.

SUMTER, S.C. — Sumter School District announced in their meeting this evening they had picked a new superintendent.

The Board of Trustees unanimously selected Dr. Gerald Gary as Sumter School District Superintendent pending successful negotiations.

Gary is a Sumter native.

The decision comes just days after the district wrapped up community meet and greets with the finalists last week.

Dr. Gerald Gary born at Tuomey Hospital, and a product of Sumter schools. Both of his parents were career educators. He attended Willow Drive Elementary School and Bates Middle School and graduated from Sumter High School in 1994. Members of Dr. Gary’s family reside in Sumter, and he continues to attend St. Luke A.M.E. Church.

Dr. Gary currently serves as Chief Operations Officer of Lexington-Richland School District Five, a cabinet-level position he has held for approximately one year. In this role, he oversees facilities, transportation, technology, and student nutrition services for the district’s 27 schools and 16,400 students. He has also been actively involved in long-range and strategic planning with district-level staff for several years.

Previously, Dr. Gary served for 13 years as an elementary, middle, and high school principal in Lexington-Richland School District Five and for six years as an elementary principal in Kershaw County School District. He also has classroom teaching experience in Richland School District Two and taught summer school in Sumter for one year.

In his current role, Dr. Gary is leading preparations for a significant change to school attendance zones and overseeing $240 million in construction projects. He has also taught school finance for 10 years as a faculty member of the South Carolina Executive Institute for Education and Leadership. Additionally, having worked in districts with significant military populations, Dr. Gary is keenly attuned to the needs of students from military families.

Sumter County, SC – Man Arrested After Alleged Burglary on Cains Mill Road

SUMTER COUNTY, S.C. – A Sumter man was arrested early Monday after deputies allegedly found him hiding on a property that had just been burglarized.According to the Sumter County Sheriff’s Office, deputies responded around 3 a.m. Monday to a home on Cains Mill Road after a homeowner reported seeing a suspicious person on a video surveillance camera outside the residence.Dispatchers alerted deputies to the scene following the call, and responding off...

SUMTER COUNTY, S.C. – A Sumter man was arrested early Monday after deputies allegedly found him hiding on a property that had just been burglarized.

According to the Sumter County Sheriff’s Office, deputies responded around 3 a.m. Monday to a home on Cains Mill Road after a homeowner reported seeing a suspicious person on a video surveillance camera outside the residence.

Dispatchers alerted deputies to the scene following the call, and responding officers began searching the area around the home.

During that search, deputies located a suspect hiding nearby and identified him as Brian O’Steen, 45, of Beulah Cutino Road in Sumter, authorities said.

Investigators say O’Steen was allegedly found with burglary tools in his possession and was taken into custody at the scene.

According to the sheriff’s office, O’Steen has been charged with:

Deputies transported O’Steen to the Sumter County Sheriff’s Office Detention Center, where he is currently being held while awaiting a bond hearing, authorities said.

The sheriff’s office did not release additional details about the alleged burglary or whether any property was taken from the home.

Home surveillance footage has increasingly played a role in identifying suspects during overnight incidents, particularly when residents are alerted to activity on their property in real time.

Incidents reported in the early morning hours can affect nearby commuters and residents as deputies respond and search surrounding areas.

The investigation remains ongoing, according to the Sumter County Sheriff’s Office.

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