Few purchases give you a sense of pride and accomplishment like buying a new home. From white picket fences and lush green grass to cookouts with neighbors and holidays with the family, owning a home is magical. Like most great things, though, enduring the home-buying process takes a lot of work. There are many steps to take and difficult decisions to make along the way. One of the most crucial decisions is what type of home loan and mortgage broker to choose. Whether it's your first time buying a home or you're a seasoned owner with multiple properties, you will need a trusted mortgage broker in Beaufort, SC, with your best interests at heart.
If you're like most people, you need a mortgage professional whose top priority is their customers - an expert who can provide accurate advice and guidance so you can make educated decisions. That's where Mission One Mortgage comes into the picture.
Whether you want the best interest rates or don't know where to start in the home-buying process, Mission One Mortgage can set you up in the right direction. From getting you pre-qualified to buy a home to securing a veteran's loan, Mission One Mortgage is the trusted solution you need. As Beaufort natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Beaufort, SC, we bring years of high-level experience and insight to the table. Having worked with hundreds of clients during our time in business, we know you're probably going through a range of emotions right now. Buying a new home can be a scary process, especially for first-time buyers. That's why we make every effort to make ourselves accessible and available for clients. Our primary goal is to help you make the right mortgage for your family and your budget.
We know that many home loan officers have horrible reputations. Some brokers only see their clients as transactions, and a means to make quick money. They come off as impatient and pushy, failing to understand that this is a very big decision for you. At Mission One Mortgage, we take the opposite approach. We encourage our clients to take as much time as needed to ask us questions and review mortgage documents. We could say that our mission is to exceed your expectations, but we'd rather just show you. From assistance finding FHA, VA, or other loans to refinancing your current mortgage, Mission One is the team you can trust.
Here are just a few reasons why home buyers choose Mission One Mortgage:
Most people simply don't have access to the hundreds of thousands of dollars needed to purchase a home with cash. Instead, they take out a mortgage loan to buy a home. Unfortunately, many homebuyers are anxious to get the ball rolling and, due to their excitement, fail to shop around for the best mortgage rates. To some degree, avoiding this step makes sense, as it requires a lot of legwork and research to get the job done. For those not wanting to spend hours researching a reasonable mortgage, there's an alternative to consider - working with a mortgage broker.
To understand the benefits of working with a mortgage broker, you must first understand their role in the home-buying process.
Your mortgage broker is a third party that works to connect you with mortgage lenders. Essentially, a mortgage broker works as an intermediary between a person who wants to buy a home and the entities offering loans to buy a home. The mortgage broker works with both the borrower and lender to get the borrower approved. They also verify and collect paperwork from the borrower that the lender needs to finish a home purchase. Typically, mortgage brokers have relationships with several home loan lenders. Mission One Mortgage, for example, has access to 50 different lenders, which gives us a wide range of home loans in Beaufort, SC, from which to choose.
In addition to finding a home loan lender, your mortgage broker will help you settle on the best loan options and interest rates for your budget. Ideally, your mortgage broker will take a great deal of stress and legwork off your plate while also potentially saving you money.
If you're ready to buy a home, getting pre-qualified is a great choice that will streamline the entire process. Your mortgage broker makes getting pre-approved easy by obtaining all the documents needed to get you pre-qualified. In taking a look at your application, they will determine if you're ready for the pre-approval process. If your application needs additional items, the mortgage company will help point you in the right direction to ensure your application is as strong as it can be. Your mortgage broker will also walk you through the different types of loans, from Conventional and FHA to VA and USDA.
In order to be pre-approved for a home in South Carolina, you must have the following:
Most people choose to use a mortgage broker because they have access to different lenders and interest rates. But a great mortgage broker brings more to the table than a choice of lenders.
Save You from Unneeded Stress:One of the biggest advantages of hiring a mortgage broker is that they can find and vet loans while managing the mortgage process on your behalf. The best mortgage companies, like Mission One Mortgage, hire brokers who are experts at keeping underwriting on track, coordinating with relevant parties, and handling all paperwork involved. At the end of the day, mortgage brokers save you stress and time and often expedite the closing process.
More Access: We touched on this earlier, but it bears repeating: A mortgage broker provides access to a range of loans, rates, and lenders. In fact, many mortgage brokers can get rates lower than what the average person could get from a lender.
Save You Money: There's a chance that your mortgage broker can get your mortgage fees reduced or waived by the lender, which could save you a good deal of money.
Help with Unfavorable Financial Situations: Expert mortgage brokers can often assist in challenging financial situations, like when a buyer has inconsistent income or less-than-perfect credit. Experienced brokers, like those at Mission One Mortgage, are often aware of lenders willing to will work with nontraditional borrowers.
Provide Key Insights: Mortgage brokers share important insights, such as your chances for a home loan approval and exactly how much house you can afford. They can also save you from making costly mistakes based on their years of expertise in the mortgage industry.
While settling on the best type of home loan isn't as exciting as searching for the home of your dreams, it's equally important. Yes, your Mission One Mortgage loan officer in Beaufort, SC, will be happy to help explain the differences between home loans. But understanding the basics ahead of time will save you stress and time in the long run.
Conventional loans can be used to purchase a new home or refinance your current one. Conventional loans include fixed-rate mortgages and adjustable-rate mortgages. Generally, borrowers must put down a 3% down payment for owner-occupants, 10% for a vacation property, and 20% for an investment home. If you are able to pay 20% of the total cost of the home, you can avoid private mortgage insurance, which is otherwise required. Conventional mortgages are often preferred by buyers with good credit or people needing a non-owner-occupied mortgage.
FHA mortgages are issued by the U.S. government and backed by the Department of Housing & Urban Development (HUD). This loan is often preferred by first-time homebuyers because it only requires a 3.5% down payment and offers more flexibility with credit requirements and underwriting standards. FHA loans have several requirements you must meet to qualify. Contact Mission One Mortgage today to learn more about FHA loans and whether or not they're best for your financial situation.
Also backed by the government, these loans are insured by the U.S. Department of Agriculture and don't require money down. These loans have lower insurance requirements when compared to FHA loans, offer 100% financing if you qualify, and allow for closing costs to be covered by the seller. In order to qualify for a USDA loan, you must live in a rural area, and your household income must meet certain standards. These loans are often preferred by low-income citizens who live in rural parts of South Carolina.
Also known as VA or Veteran's Affairs loans, these mortgages are reserved for the brave men and women who served in the military. VA loans help provide our military members, veterans, and their families with favorable loan terms and an easy home ownership experience. Often, those who qualify are not required to make a down payment on their home. Additionally, these loans often include less expensive closing costs.
If you are a veteran or the family member of a veteran, contact Mission One Mortgage today to speak with our Vetted VA Professional, Debbie Haberny. Debbie helps our military members, veterans, and their family members obtain home loans utilizing veteran benefits and would be happy to help as you search for a home.
Do you have questions about the complexities of mortgages and home loans? As your advocate, Mission One Mortgage is here to answer any questions you have about mortgages and the home-buying process. We encourage you to call our office to speak directly with one of our mortgage experts or continue reading below for answers to some frequently asked questions.
Q. I was talking to my spouse about mortgage brokers, and they mentioned the phrase home loan originator. What's the difference between a broker and a loan originator?
A. The mortgage industry is full of confusing jobs and titles, making it easy to confuse roles and responsibilities. Such is the case with mortgage brokers and home loan originators. Though their roles share similarities, a home loan originator in Beaufort, SC, works for a bank or credit union, while a mortgage broker works for a brokerage company. Home loan originators and mortgage brokers are both licensed by the Nationwide Multistate Licensing System (NMLS).
Q. I've heard from everyone that you must have mortgage insurance to buy a home. What is mortgage insurance?
A. Essentially, mortgage insurance helps protect lenders if a borrower forecloses on the home they bought. One advantage of mortgage insurance is that when borrowers pay it, lenders can often grant loans to buyers when they might not have otherwise. Though not always required to buy a home, mortgage insurance is often needed for down payments of less than 20%.
Q. I have just been pre-approved to buy a beautiful home in South Carolina. Is there anything I shouldn't do now that I'm pre-qualified?
A. Mortgage companies like Mission One Mortgage, make getting pre-qualified for a home easy. However, as your loan process continues, your lender is required to run a new credit report before closing on a home. For that reason, it's to avoid any activity that might affect your credit score, such as:
Q. My brother-in-law recently refinanced his home in South Carolina. What is refinancing, and should I consider refinancing my home too?
A. Refinancing your home basically means you're swapping your current mortgage for a new one, most often with a lower interest rate. If you would like to reduce the term of your loan, lower your monthly mortgage payments, or consolidate debt, refinancing may be a smart option. Many homeowners also choose to refinance if they want to switch from adjustable-rate mortgages to fixed-rate mortgages or to get cash back for home renovations. To learn whether refinancing is a viable option for your situation, contact Mission One Mortgage ASAP, as loan rates change frequently.
Here at Mission One Mortgage, we believe that the best communities begin with the dream of home ownership. Our mission is to make those dreams come true, with personalized service, expert guidance, and good old-fashioned hard work. As one of the most trusted mortgage companies in Beaufort, SC, we have years of experience working with a diverse range of clients, from first-time buyers and investors to self-employed borrowers and non-native English speakers.
Though every mortgage situation is different, one thing never changes: our commitment to clients. Contact our office today to get started on an exceptional home-buying experience.
With the Independence Day weekend right around the corner, many are preparing to grill hot dogs, roast marshmallows by a fire and watch fireworks light up the night sky. But with all the fun comes the responsibility of keeping your holiday celebrations safe.Whether you’re a resident or visitor looking to celebrate the holiday weekend, here’s your guide to safely enjoying July 4th festivities involving fireworks, gril...
With the Independence Day weekend right around the corner, many are preparing to grill hot dogs, roast marshmallows by a fire and watch fireworks light up the night sky. But with all the fun comes the responsibility of keeping your holiday celebrations safe.
Whether you’re a resident or visitor looking to celebrate the holiday weekend, here’s your guide to safely enjoying July 4th festivities involving fireworks, grills and bonfires this year.
South Carolina Fireworks Law
In South Carolina, anyone 16 or older may purchase and use consumer fireworks daily between 7 a.m. and 10 p.m., so long as they are used safely and correctly.
On July 4th and New Year’s Eve, fireworks are allowed until 1 a.m.
However, some local laws take precedence in these uses. Here’s what to know about firework laws in Beaufort County.
Beaufort County Fireworks Ordinances
Across all areas of Beaufort County, fireworks cannot be discharged without a permit issued by the local fire chief and the state fire marshal.
Hilton Head, Bluffton, Beaufort and Port Royal all prohibit firework use without proper permits or approval from the respective city councils.
Fireworks are banned on all beaches in Beaufort County.
Sparklers are allowed without a permit, but just make sure to use them safely and as instructed.
Fireworks Safety Tips
The Consumer Product Safety Commission offers these tips to stay safe around sparklers and firework shows:
Grills are responsible for over 10,000 home fires annually in the U.S., according to the National Fire Protection Association. The risk peaks during summer months.
No matter if you’re planning to cook up a holiday burger bar or champion the hot dog eating contest, here are some practical safety tips from the NFPA to keep in mind when grilling:
No notification is needed for grilling in approved enclosures, including chimineas, fire pits or fireplaces built of non-combustible materials.
Visiting or staying in a rental?
If you’re looking to hold a recreational bonfire or fire pit, make sure to adhere to all general safety rules, fire size and precautions in Beaufort County:
Other practical tips to keep in mind, no matter where you have a fire pit or bonfire, include:
For grills and fire pits, it is recommended to have fire safety kits with a fire extinguisher, water source and first aid kit readily accessible when grilling or using a fire pit.
Downtown Beaufort is set to get a new dining addition this fall with the opening of a sandwich, charcuterie and deli shop, Sister Sister Deli & Market.Owned by a sister duo, Sami and Dani Mussman, Sister Sister is set to offer deli options, cheeses and sandwiches, all with American-made ingredients and products. Their space is intended to be part neighborhood deli and part gourmet market....
Downtown Beaufort is set to get a new dining addition this fall with the opening of a sandwich, charcuterie and deli shop, Sister Sister Deli & Market.
Owned by a sister duo, Sami and Dani Mussman, Sister Sister is set to offer deli options, cheeses and sandwiches, all with American-made ingredients and products. Their space is intended to be part neighborhood deli and part gourmet market.
Sister Sister Deli & Market will open its doors at 403 Carteret Street in Beaufort, taking over the space formerly home to Griffin Market, an Italian eatery that closed in 2024.
While a full menu has not yet been set, Sami Mussman shared that their offerings will include Southern-inspired dishes and small boards.
Here are some items to expect at this new deli and market:
Lunch offerings will include:
According to their website, Sister Sister will be focused on sustainability, responsible sourcing, and supporting local and regional producers with their products.
Renovation work began in June and along the way, the team has uncovered some relics from the building’s past. Some of these findings include:
According to Sami Mussman, the building is set to be repainted starting in July.
Though an exact opening date has not yet been announced, Sister Sister Deli & Market is hoping to open their doors by October to bring the perfect lunch break, snack stop or dinner party charcuterie board crafting location to the Lowcountry.
To follow along with their progress, you can visit their Facebook or Instagram.
Looking to celebrate Fourth of July with a bang?From Bluffton to Hilton Head and up to Port Royal, the Lowcountry region is lighting up with fireworks and festivities all week long.Here’s where you can join in the fun and see a sparkling performance in the sky:Kick off the holiday weekend with an evening packed full of family-friendly fun in Bluffton. Enjoy carnival-style games, bounce houses, tasty eats from loca...
Looking to celebrate Fourth of July with a bang?
From Bluffton to Hilton Head and up to Port Royal, the Lowcountry region is lighting up with fireworks and festivities all week long.
Here’s where you can join in the fun and see a sparkling performance in the sky:
Kick off the holiday weekend with an evening packed full of family-friendly fun in Bluffton. Enjoy carnival-style games, bounce houses, tasty eats from local vendors and live music from the Parris Island Marine Band.
A guitar rendition of the National Anthem is scheduled for 5:55 p.m., followed by fireworks lighting up the May River at 9 p.m.
Parking: Palmetto Breeze will have free shuttle service from M.C. Riley Elementary (200 Burnt Church Road) to Oyster Factory Park. Accessible parking is available at Bluffton Town Hall (20 Bridge Street).
Join the celebration at Hilton Head’s Shelter Cove for a festive night of live performances by Shannon Tanner, face painting, games and a fireworks finale over the water.
Parking: Free shuttle services are available from the Hilton Head Community Church lot (860 William Hilton Parkway) to Shelter Cove Harbour from 5:30 to 10:30 p.m.
Enjoy all-day festivities at the Sea Pines Resort and cap the day with fireworks at the iconic Harbour Town Lighthouse over the Calibogue Sound.
Parking: Parking is available in designated lots along Greenwood Drive; attendants will direct traffic. Buses are available to transport guests to and from Harbour Town from 3 p.m. to 11 p.m.
Celebrate with coastal flair at Sands Beach in Port Royal. The evening features local food vendors, children’s activities, live music, and a performance by the Parris Island Marine Band. The evening will close with fireworks over the river.
Parking: Parking at The Sands is only for handicapped and golf cart users. Other parking options include spaces along Paris Avenue and nearby streets.
Looking for other Independence Day events to celebrate the holiday weekend?
From patriotic parades to community festivals, events are scheduled in every corner of the region. Click here for the full rundown.
By Mike McCombs and Amber HewittThe Island NewsA North Carolina man drowned at Hunting Island State Park just after noon on Friday, July 4, while trying to save his children.The Beaufort County Coroner’s Office, on Saturday morning, identified the deceased as 38-year-old Paul Peters from Indian Trail, N.C.Peters and his wife, Emily, and their two children – Asher, 4, and Ezra, 7 — were in Beaufort County on vacation, according to a source at the scene of the inci...
By Mike McCombs and Amber Hewitt
The Island News
A North Carolina man drowned at Hunting Island State Park just after noon on Friday, July 4, while trying to save his children.
The Beaufort County Coroner’s Office, on Saturday morning, identified the deceased as 38-year-old Paul Peters from Indian Trail, N.C.
Peters and his wife, Emily, and their two children – Asher, 4, and Ezra, 7 — were in Beaufort County on vacation, according to a source at the scene of the incident.
According to witnesses at the scene, between 11:35 and 11:40 a.m., on Hunting Island’s North Beach, Peters went in the water to assist his children, who were “in trouble” in the water. Peters reached the children, but according to witnesses, was caught in a rip current and began to struggle.
Several men went in to the water to help. They were able to get the children to safety, but by the time they could get Peters to shore, he had been under the water for some time.
Bystanders started to perform CPR, and EMS continued the life-saving efforts upon arrival. According to witnesses, EMS, “pumped a bunch of water out, but he never regained consciousness.”
The Coroner’s Office declared him dead, on scene, at 12:10 p.m.
Sixteen-year-old Taylor Durrance of Beaufort and her family were in the middle of the rescue efforts on Friday.
Durrance said she was sitting on the beach, listening to music, when she got a strange feeling. She said she looked up and realized something was happening.
“I saw people surrounding this man on the beach,” she said. “I didn’t really see them doing CPR yet, I think they had just [dragged] him on shore.”
She said she called out to her father, Bryan, and her brother, Matthew, that she thought this man was drowning.
“That’s when my brother found out his little boys were drowning as well,” she said.
Taylor Durrance said Ezra was pulled out of the water first, but she didn’t believe he was actually drowning but had “just swallowed some water.”
Asher was being helped by “a man in pink shorts,” though they were repeatedly being pulled back in the current.
Matthew Durrance, 22, went out into the water and retrieved Asher from the man and brought him to Taylor.
Taylor Durrance said she continued to slap Asher’s back, getting the water out of him a bit at a time, until there was one big cough and he got rid of most of the water and could breathe.
She said when the 4 year old was able to talk, he immediately asked, “Where’s my dad?”
“It just broke my heart,” she said.
While all of this was happening, Taylor Durrance said her father, Bryan Durrance, was among the group of bystanders surrounding Paul Peters and performing CPR. She said Emily Peters asked her to watch her children while she joined the group of people tending to her husband.
Taylor Durrance said the whole situation was “really sad” and a bit surreal. It might sound strange, she said, but “It felt kind of … quiet.”
This is the second drowning this week at Hunting Island. Steven Thackston, a 65-year-old male from Decatur, Ga., was pronounced dead from drowning at approximately 4:45 p.m., Tuesday, July 1, according to the Beaufort County Coroner’s Office.
The red flag was flying at Hunting Island’s North Beach on Friday, which indicates High Hazard, meaning the surf is hazardous, often due to strong currents, high waves, or other unsafe conditions.
Under a red flag, swimming is often prohibited, and not recommended for anyone other than experienced, strong swimmers.
When speaking with The Island News, Durrance said she wouldn’t have normally talked about an event like this, but she struggled to sleep Friday night, and every time she closed her eyes, she kept reliving the event.
She felt like those not from the Beaufort area might not realize just how serious the conditions can be at Hunting Island.
“These oceans aren’t what they think they are,” she said. “They have to be aware of the currents. If it’s a red flag, don’t go in the water.”
Mike McCombs is the Editor of The Island News and can be reached at TheIslandNews@gmail.com.
Amber Hewitt is a photographer for The Island News.
BRUNSWICK, Ga. — With almost 40 minutes to sunrise, a line of unabashed fans hugged the sidewalk of a roadside gas station.Just outside the electric sliding doors were Elsie Miyamura and Fred Morrow, a Hawaiian couple who staked their spot at 2 a.m. They would soon be the first customers at Buc-ee’s inaugural coastal Georgia location on Interstate 95.Since its founding in Texas in 1982, Buc-ee's has spread its buck-toothed mascot, barbecue brisket and pristine bathrooms around the country.The company opened i...
BRUNSWICK, Ga. — With almost 40 minutes to sunrise, a line of unabashed fans hugged the sidewalk of a roadside gas station.
Just outside the electric sliding doors were Elsie Miyamura and Fred Morrow, a Hawaiian couple who staked their spot at 2 a.m. They would soon be the first customers at Buc-ee’s inaugural coastal Georgia location on Interstate 95.
Since its founding in Texas in 1982, Buc-ee's has spread its buck-toothed mascot, barbecue brisket and pristine bathrooms around the country.
The company opened its first South Carolina spot in 2022 in Florence.
“This is not a gas station; this is a destination,” S.C. House Speaker Murrell Smith, R-Sumter, announced to the grand opening crowd of the 53,000-square-foot, 120-pump Florence location at the juncture of Interstate 95 and S.C. Highway 327.
And the brand aspires to grow its empire throughout the Palmetto State. A Hardeeville location is planned to open in 2028, and according to City Manager Josh Gruber, the project is in the permitting stage.
Some 165 miles south of Florence, Hardeeville City Council approved in November a development that will bring a Buc-ee's off Exit 8 of I-95 95 near Hilton Head and Savannah.
Buc-ee's wants to open in Hardeeville to attract drivers along the southern I-95 corridor in South Carolina, Scott Ratcliff, the company's director of engineering, said at the time.
The retailer hopes to "pull in weary travelers," he said.
If the daily scene in Florence is any indication, this new location will have no problem doing that.
"You're going to bring a lot of benefit to our area," Hardeeville Mayor Harry Williams told Ratcliff in November.
Hardeeville officials said the new Buc-ee's compound will bring around 200 jobs. The company advertises pay scales from $16 an hour for cashiers and stockers, to $20 an hour for bathroom attendants and more than $100,000 for managers — with the general manager capable of earning more than $225,000.
The store will generate new property, hospitality and sales tax revenues for Hardeeville.
The store will be along a 10-mile stretch of I-95 that the S.C. Department of Transportation is working to improve and revitalize. The construction zone runs from the Savannah River to just north of U.S. Highway 278, which carries travelers into Jasper County and parts of Beaufort County, including Bluffton and Hilton Head Island.
Among the improvements are widening the highway from to six lanes from four, replacing bridges and enhancing two exits, including the off-ramp that will take traffic to the future Buc-ee's site.
As the clock ticked toward the 6 a.m. door unlocking, the crowd in Brunswick cheered at five minute milestones. Morrow, 69, and Miyamura, 75, waited for this moment — a few weeks prior, they attended a Buc-ee’s opening in Harrison County, Miss. The couple couldn’t pass up a chance to wear shirts they purchased just a road trip away. Miyaumura aspires to witness the chain’s first opening in Arizona.
Past the die-hard enthusiasts further up the line were the early risers. Landen Wade and Lane Anderson, 12-year-old best friends, woke at 4:30 a.m. from their sleepover to attend.
As most of the Lowcountry snoozed, Wade wanted to start his day with beef jerky. Asked what type of dehydrated meat he desired, he asked:
“There are flavors of beef jerky?”
It was a gobsmacking moment that opened a new world for the miniature meat mogul.
Buc-ee's pitmaster Randy Pauly finally ended the torturous waiting period. Management cheered, and a life-sized Buc-ee danced as customers christened the store. In the center of the 74,000-square-foot building was a barbecue station, where a man slapped speckled meat onto a cutting board about the size of a New York City apartment.
“Brisket on the board!” staff yelled, while a man holding a knife with handles on each side of the blade chopped away.
At any given time, 115 staffers work at this Buc-ee’s. Wearing red, they constantly clean and tweaked, correcting any piece of merchandise that a customer had pulled out of alignment.
Balls of dough became fresh tortillas and then tacos filled with ice cream scoops of scrambled eggs. Staff plied customers with samples of fudge and hot and spicy jerky. Frozen raw chickens were stuffed with dirty rice or crawfish jambalaya.
Harkening back to its Lone Star roots, longhorn skulls lined the store’s shelves. Ketchup-based barbecue sauce was available for purchase. Among the gas station’s 35,000 items, mustard-based Carolina Gold was not an option.
With an inflatable beaver at their backs, local politicians boasted about their shining new superstore at a late morning ribbon cutting. Among them was U.S. Rep. Buddy Carter, R-Ga., who is running for U.S. Senate, and called Buc-ee's the "Disney World" of gas stations.
"Buc-ee's, you have made a wise decision. You have chosen an area that you will find is so inviting," he said.
Inside the store, located about two hours south of Bluffton, copies of Willie Nelson’s “Letters to America” were nestled among cowhide beer koozies. Beverage dispensers shaped like gas pumps were available, smaller versions of the 120 fuel stations outside. And there was plenty of Buc-ee’s swag: banana pudding-scented candles, neck rests, phone holders and dancing beavers among them.
Buc-ee’s plans to stay open every hour of every day. Director of Operations Josh Smith said the store’s generator supplies “indefinite power” to every single aspect of the store.
As hurricane season begins, Smith thinks Buc-ee's is ready for whatever Mother Nature throws its way, in jest pitting its disaster response against another Southern staple.
“Waffle House will actually close,” Smith said. “We won’t.”