Mortgage Broker in Brevard, FL

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:

No Additional Fees

No Additional Fees- Providing our client's services free of charge, using a mortgage broker like Mission One Mortgage can help you scout the best price on loans without a hefty price tag.

Access to 50 Lenders

Access to 50 Lenders- With access to a range of loans and interest rates available, Mission One Mortgage can shop for the best loans for your unique needs.

Accessible to Our Clients

Accessible to Our Clients- Providing a transparent and communicative service to all our clients, Mission One Mortgage ensures all phone calls are answered or returned in a timely manner.

Setting You Up for Success

Setting You Up for Success- Helping you prepare all your documents for pre-approval and the loan application, Mission One Mortgage will provide you with all the necessary information to secure the best loan.

Contact Us For Service !

Free Consultation phone-number (843) 822-5685

To understand the benefits of working with a mortgage broker, you must first understand their role in the home-buying process.

What Does a Mortgage Broker Do?

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 Brevard, FL, 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.

Help with the Pre-Approval Process

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:

  • Two Years of W2 Forms
  • 30 Days of Pay Stubs from Employer
  • 60 Days of Bank Statements
  • A Valid Driver's License

Conventional Mortgages

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.

 Mortgage Company Brevard, FL
 Mortgage Lending Service Brevard, FL

FHA Loans

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.

USDA Loans

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.

 Refinancing Brevard, FL
 Refinances Brevard, FL

Veteran Mortgages

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.

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 Brevard, FL, 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:

  • Do not become a co-signer on a loan with someone else.
  • Do not quit or change your job.
  • Do not apply for new credit cards, automobile loans, or any other lines of credit.
  • Do not use your credit card to pay for large purchases, like furniture for your new house.
  • Do not avoid payments on current lines of credit, loans, or utility bills.

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.

Mission One Mortgage: Turning Dreams into Reality, One Mortgage at a Time

Head-bottom

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 Brevard, FL, 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.

Contact Us For Service !

phone-number (843) 822-5685
 Cash Out Refinance Brevard, FL

Latest News in Brevard, FL

2 more Brevard brew venues shut down operations, bringing the total to 3 this week

Just days after the news that World of Beer Viera would close for good, two more Brevard brew restaurants have shut down their operations, too.Both Mr. Brews Taphouse in Melbourne and ...

Just days after the news that World of Beer Viera would close for good, two more Brevard brew restaurants have shut down their operations, too.

Both Mr. Brews Taphouse in Melbourne and Village Bier Garten Restaurant in Cocoa Village announced closures this week.

This means the loss of three local brew venues in one week, as World of Beer Viera's last day was Dec. 31.

More:World of Beer Viera closes after 15 years: Here's what owner says led to decision

Village Bier Garten closes in Cocoa Village

A Thursday evening social media post regarding the Bier Garten stated, "We are closed until further notice. Thank you to all of our loyal patrons."

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FLORIDA TODAY spoke with Blake Copperud, an analyst working with the Bier Garten who said he is currently assessing the situation regarding the closure and exploring potential options for selling the lease. Cooperud acknowledged the challenges posed by the competitive and tough industry.

Village Bier Garten was in the heart of Cocoa Village at 415 Delannoy Ave., offering a wide variety of German foods, beers and live entertainment five days a week.

More:Grand opening: Brevard native brings innovative Asian fare to new Cocoa Beach restaurant

Mr. Brews Taphouse closes after three years

Mr. Brews owners Brent and Gina Phillips announced this week's shutdown of their Melbourne pub in a short Facebook post. Located at 3945 W. Eau Gallie Blvd., Mr. Brews opened in 2021.

"After 1,351 incredible days of shared laughter, struggles, and unforgettable connections, the time has come to say goodbye. With a heavy heart, we announce the closure of Mr. Brews Taphouse – Melbourne," they said.

"To our loyal customers, amazing staff, and supportive business partners: thank you from the depths of our hearts. Your unwavering support through every high and low has meant the world to us."

Mr. Brews had an extensive selection of beers on tap, craft burgers and wings, as well as special events and the NFL Sunday Ticket for game days.

Amber Olesen is FLORIDA TODAY's food and dining reporter. Reach her at aolesen@floridatoday.com

10-foot great white shark pinged off Florida Coast near Brevard County

10-foot great white shark pinged off Florida coastAn OCEARCH tracker pinged a 10-foot, 522-pound great white shark this week off the Florida coast. The data shows the shark near the Brevard County area as recently as 11 a.m. Friday morning.The BriefAn OCEARCH tracker pinged a 10-foot, 522-pound great white shark this week off the Florida coast.The data shows the shark near the Brevard County area as rece...

10-foot great white shark pinged off Florida coast

An OCEARCH tracker pinged a 10-foot, 522-pound great white shark this week off the Florida coast. The data shows the shark near the Brevard County area as recently as 11 a.m. Friday morning.

The Brief

An OCEARCH tracker pinged a 10-foot, 522-pound great white shark this week off the Florida coast.

The data shows the shark near the Brevard County area as recently as 11 a.m. Friday morning.

The shark, who has been named Penny, was first pinged Dec. 23, 2023, off the coast of Boynton Beach, Florida. She then traveled further southwest into the Florida Keys before heading into the Gulf of Mexico.

Penny was pinged again southeast in the Florida Keys area before circling up to waters off Sanibel Island.

The data shows Penny was last pinged in the Florida Keys area on March 23 before next being picked up on April 17 on the northeastern Florida coast. She appears to have traveled as far north as New Brunswick, Canada, before again heading south towards Florida.

Dr. Toby Daly-Engel, the director of the shark conservation lab at Florida Institute of Technology, said sharks typically swim south for the winter.

"When the prey fish seek out the warmer water in the wintertime when the water up north gets cold, the sharks will follow," Daly-Engel said.

Daly-Engel said the pings allow researchers to track how animals adapt to climate change.

"Just like birds, they're relying on their temperature cues to say, 'Ope, it's time to get back up north. Pack up your stuff, we're going back,'" Daly-Engel said. "If those temperature cues start coming earlier in the year, they're going to start moving earlier."

Penny is OCEARCH's 92nd great white shark tagged in western North America.

OCEARCH named Penny after residents of the Salty Penny Canvas in North Carolina, who helped the organization with custom marine canvas projects that provide a comfortable experience on the water and allow them to operate in tougher conditions.

Penny and other great white sharks, as well as loggerhead sea turtles, can be tracked using OCEARCH's tracking tool here.

New Year's Eve events around Brevard

Noon Year's Eve at Brevard ZooThe whole family can celebrate the new year without staying up past anyone's bedtime at Brevard Zoo, 8225 N. Wickham Road, Melbourne. Noon Year's Eve will take place on Tuesday, Dec. 31 from 10 a.m. to noon. It will feature a ball drop and a complimentary sparkling juice toast. Enjoy crafts, games and music as well. All activities are free with zoo admission. Visit brevardzoo.org....

Noon Year's Eve at Brevard Zoo

The whole family can celebrate the new year without staying up past anyone's bedtime at Brevard Zoo, 8225 N. Wickham Road, Melbourne. Noon Year's Eve will take place on Tuesday, Dec. 31 from 10 a.m. to noon. It will feature a ball drop and a complimentary sparkling juice toast. Enjoy crafts, games and music as well. All activities are free with zoo admission. Visit brevardzoo.org.

New Year’s Eve gala dinner and dance in Melbourne

Rock & Roll Revue, a 12-piece ensemble of Melbourne Municipal Band, presents an elegant New Year’s Eve celebration starting at 7:30 p.m. on Dec. 31 at the Hilton Melbourne, 200 Rialto Place. The festivities open with a three-hour open bar, followed by an elegant dinner and floor show featuring the Swingtimers Vocal Trio. Afterwards, the band will play for guests’ dancing pleasure until 12:30 a.m. Black tie attire is suggested. Tickets are $140. Call 321-339-7705 or visit mmband.org.

New Year's celebration at Hotel Melby

Celebrate New Year's eve in style at The Landing at Hotel Melby, 801 E. Strawbridge, Ave., Melbourne, on Dec. 31 from 9 p.m. to 1 a.m. Enjoy premium food and beverage offerings, dancing with DJ Shane and a champagne toast. Tickets are $179, and VIP tickets that include early check-in, a private lounge area and a bourbon tasting are available for $229. Visit hotelmelby.com or eventbrite.com.

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New Year's Eve party at Cadillac Cove

Celebrate New Year's Eve at Cadillac Cove, 1462 Hwy. A1A, Satellite Beach, on Dec. 31 starting at 7:30 p.m. The event will include a buffet, dancing, signature cocktails and drinks and a champagne toast at midnight. Tickets are $40 in advance, or $45 at the door. Visit cadillaccovebarandeatery.com or eventbrite.com.

'Pretty in Pink' New Year's Celebration at Lourdes Library

Lourdes Library, 587 W. Eau Gallie Blvd., Unit 105, Melbourne, will host a "Pretty in Pink" party on Tuesday, Dec. 31 from 6 p.m. to 2 a.m. Celebrate the arrival of 2025 with a glamourous pink-tinted soiree, including pink-themed decor, a champagne toast at midnight and other surprises. Dress in elegant attire with a pop of pink. Visit facebook.com/events/1278538673472320 or lourdeslibrary.com.

Neon Glow Party at The Salty Fox

The Salty Fox, 602 W. Eau Gallie Blvd., Melbourne, will host a neon glow party to ring in the new year on Tuesday, Dec. 31 starting at 7 p.m. Dance the night away under glowing neon lights with electrifying vibes, specialty cocktails and a midnight champagne toast. Dress to glow in neon and white attire. Visit facebook.com/events/504225921950804 or thesaltyfox.net.

Do you have a community event? Email tgif@floridatoday.com at least three weeks in advance for consideration for the Things to Do roundup.

Whether you're interested in music, theater, festivals or other local entertainment, FLORIDA TODAY has got you covered. Support local journalism by subscribing at Special Offers - USAToday Network.

Your guide to Christmas and holiday events in Brevard for Dec. 20 through 26

Due to potential changes and cancellations, we encourage you to check with presenting organizations about the status of their events.Holiday bike parade in Cocoa VillageThe parade will be at Riverfront Park, 401 Riveredge Blvd., Cocoa, on Friday, Dec. 20, from 6 to 8 p.m. This unique experience features holiday music and refreshments. Prizes will be awarded for best-decorated individual, young family, adult group, best use of Hot Cocoa, and best Cocoa Village business. Admission is free with a donation...

Due to potential changes and cancellations, we encourage you to check with presenting organizations about the status of their events.

Holiday bike parade in Cocoa Village

The parade will be at Riverfront Park, 401 Riveredge Blvd., Cocoa, on Friday, Dec. 20, from 6 to 8 p.m. This unique experience features holiday music and refreshments. Prizes will be awarded for best-decorated individual, young family, adult group, best use of Hot Cocoa, and best Cocoa Village business. Admission is free with a donation of hygiene or clothing items. Visit visitcocoavillage.com.

Family Christmas Extravaganza in Palm Bay

The House Church and the City of Palm Bay host this Christmas party at Fred Poppe Regional Park, 1951 Malabar Road, Palm Bay, on Saturday, Dec. 21 from 10:30 a.m. to 5 p.m. It will include food, entertainment, inflatables, pony rides, face painting and more. Admission is free. Visit facebook.com/events/818001649934227 or familychristmasextravaganza.com.

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Merry Tuba Christmas concert in Cocoa

TubaChristmas will give a free Christmas concert at First Baptist Church of Cocoa, 750 Brevard Ave., on Saturday, Dec. 21 at 6 p.m. Tuba, baritone and euphonium players of all ages are welcome to participate. Player registration is from 2 to 2:30 p.m., with a rehearsal following from 2 to 4 p.m. Visit tubachristmas.com.

Galmont Ballet’s “Nutcracker” at Cocoa Village Playhouse

The Galmont Ballet will perform their annual production of “The Nutcrackercocoavillageplayhouse.com.

Film screening: ‘It’s a Wonderful Life’

The 1946 classic film will be shown at Cocoa Village Playhouse, 300 Brevard Ave., Cocoa, on Monday, Dec. 23 at 6:30 p.m. In the film, an angel (Henry Travers) is sent from heaven to help a desperately frustrated businessman (James Stewart) by showing him what life would have been like if he had never existed. Tickets are $10. Call 321-636-5050 or visit cocoavillageplayhouse.com.

Surfing Santas in Cocoa Beach

Christmas Eve morning is Santa's last chance to catch some waves before his big midnight sleigh ride, and hundreds of Santa-costumed surfers take part of this popular annual tradition in front of Coconuts on the Beach, at the end of Minuteman Causeway in Cocoa Beach. Admission is free, both for surfers and spectators. It will start at 7:30 a.m. Dec. 24. Visit surfingsantas.org for event updates.

Live theater around Brevard:

Do you have a community event? Email tgif@floridatoday.com at least three weeks in advance for consideration for the Things to Do roundup.

Vintage vibes:'It's a Wonderful Life' hits the stage - and the 'airwaves' - at Melbourne Civic Theatre

No humbug here:One man, one stage, and the spirit of 'A Christmas Carol' at Titusville Playhouse

On a budget?Thoughtful, creative gifts don't always come with a big price tag

How to cope with the holidays:For introverts, the holidays can mean social overload.

Whether you're interested in music, theater, festivals or other local entertainment, FLORIDA TODAY has got you covered. Support local journalism by subscribing at Special Offers - USAToday Network.

Christina LaFortune is the Entertainment and TGIF Editor at FLORIDA TODAY. Follow her on Facebook at facebook.com/christinalafortune or send her an email at clafortune@floridatoday.com.

Which Brevard grocery stores are open, closed on Christmas? Where can I find milk and more?

Christmas is knocking on the door and whether you're desperate for a last-minute gallon of milk or batteries for the grandkids' newest motorized toy, knowing in advance which stores are open Dec. 25 can ease the panic.We've made a list of local stores' hours for Christmas Day — convenience stores and drugstores as well as grocery stores. Happy hunting!AldiAldi stores are closed...

Christmas is knocking on the door and whether you're desperate for a last-minute gallon of milk or batteries for the grandkids' newest motorized toy, knowing in advance which stores are open Dec. 25 can ease the panic.

We've made a list of local stores' hours for Christmas Day — convenience stores and drugstores as well as grocery stores. Happy hunting!

Aldi

Aldi stores are closed on Christmas Day.

Circle K

Most locations are open 24/7.

More:Pre-order a just-like-home Christmas takeout meal from these Brevard restaurants, stores

CVS

Many locations will remain open on Christmas; others may be closed or have reduced hours. Call ahead to confirm.

Cumberland Farms

Locations are open on Christmas Day.

Fresh Market

Fresh Market will be closed on Christmas Day.

Publix

Publix will be closed on Christmas Day.

7-Eleven

Store operation hours on Christmas Day vary by location.

Target

Target will be closed on Christmas.

Walgreens

Many locations will remain open on Christmas; others may be closed or have reduced hours. Call ahead to confirm.

Walmart

Walmart will be closed on Christmas.

Wawa

Wawa is open on Christmas Day.

Winn-Dixie

Winn-Dixie will be closed on Christmas Day.

Amber Olesen is FLORIDA TODAY's food and dining reporter. Reach her at aolesen@floridatoday.com.

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