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 Brevard, FL, 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 Brevard natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Brevard, FL, 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 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.
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 Brevard, FL, 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 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:
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 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.
As families prep for the upcoming school year, one thing Brevard students won't have to worry about for the classroom is a cell phone....
As families prep for the upcoming school year, one thing Brevard students won't have to worry about for the classroom is a cell phone.
A new Florida law, signed May 30 by Gov. Ron DeSantis, bans the use of cell phones during the school day for elementary and middle school students. But Brevard's school board is planning to forbid their use for all ages, saying the previous policy — which allowed the use of phones outside the classroom, in settings such as school cafeterias — wasn't being enforced well enough.
"I think if (the policy) would have been enforced the way that this board had intended that policy to work, it wouldn't have to swing this direction, but because we walk around schools and we see what's going on there, and we see that they're still using their cell phones all the time and they're still videotaping ridiculous things and doing TikTok dances in the hallway — like I see those things, that's the reason for this," said board member Megan Wright at a June 24 work session.
Nothing has been finalized, but an updated cell phone policy and student code of conduct addressing the use of cell phones are in the works. Here's what we know.
Under House Bill 1105, elementary and middle school students are banned from using cell phones during the school day.
The rules are a little more lax for high schoolers: Students in grades 9 through 12 can use their phones outside the classroom if their school district allows them to do so, but the use of phones is prohibited during instructional time except for educational purposes.
In recent weeks, the board has begun working to adjust the 2025-2026 student code of conduct to align with the new law, as well as their wireless communication devices policy. While nothing has been set in stone, the board's most recent moves take the district toward a cell phone ban for all grade levels.
Under the revised wireless communications device policy, students would not be allowed to use a "wireless communications device" during the school day. Such devices must be powered off or put on vibrate/silent mode and stored out of sight. The policy does not allow for the use of phones during instructional time at the direction of a teacher.
The code of conduct was on the agenda for the June 24 school board meeting, but was removed after the agenda was released to the public.
At the June 24 board meeting, members of the public discussed the pros and cons of the proposed ban on cell phone usage.
Carl Sandburg spoke in favor of banning cell phones and other technology.
"They need to get rid of social platform … because it's a distraction," he said. "It's a total distraction … There's no way a third or fourth grader needs a $1,200 iPhone and a watch."
Others didn't see it as a positive move.
Max Madl, a Brevard Public Schools graduate who ran for school board in 2024, raised concerns that students may need their phones in situations like a school shooting.
"Students having access to their phones can literally save lives," he said. "We saw this in tragedies like Parkland, where students used their phones to contact loved ones and access real-time information. Removing this option strips parents and families of a layer of connection and reassurance during uncertain moments."
During the work session following the meeting, Wright clarified that students will still have access to their cell phones, even if they won't be allowed to use them during the school day.
"They can have their phone in their back pocket on vibrate, that's completely OK. They just cannot take it out during the day," she said.
Finch Walker is the education reporter at FLORIDA TODAY. Contact Walker at fwalker@floridatoday.com. X: @_finchwalker. Instagram: @finchwalker_.
A Florida sheriff has issued a stern warning to protesters planning violence towards law enforcement officials as the United States braces for a wave of anti-Trump administration demonstrations.Brevard County Sheriff Wayne Ivey cautioned against violent behavior during the upcoming "No Kings" protests expected across the country this weekend during a news conference alongside Florida Attorney General James Uthmeier."Throw a ...
A Florida sheriff has issued a stern warning to protesters planning violence towards law enforcement officials as the United States braces for a wave of anti-Trump administration demonstrations.
Brevard County Sheriff Wayne Ivey cautioned against violent behavior during the upcoming "No Kings" protests expected across the country this weekend during a news conference alongside Florida Attorney General James Uthmeier.
"Throw a brick, firebomb or point a gun at one of our deputies, we will be notifying your family where to collect your remains at," Ivey said. "Because we will kill you graveyard dead. We’re not going to play."
Uthmeier also weighed in on the upcoming protests, urging Floridians to prioritize their safety if they get caught in the middle of a demonstration.
"If you're a family out there, you're driving and all of a sudden you get surrounded by one of these angry demonstrations that's turned violent," Uthmeier said. "You don't need to sit there and wait while people smash your window and damage your vehicle and put your family in jeopardy. Just drive, get yourself out of harm’s way."
Ivey pointed to the ongoing chaos at anti-immigration protests throughout major cities across the country, before saying he "doesn’t want to hear any whining later saying ‘we didn’t know.’"
"As you watch these riots unfold across the country," Ivey said, "what you are seeing is buildings being burned down, police cars being bricked, having explosive devices thrown at them, having guns pointed at them, bricks thrown at them."
Uthmeier went on to echo the statements from Ivey, adding, "we're grateful to have a great president and a governor that respects rule of law. In Florida, you're not going to see anything like you're seeing in California."
The words of warning from officials come as authorities around the country are gearing up for a weekend of "No Kings" protests, which were organized by the 50501 Movement in response to President Donald Trump’s inauguration earlier this year. The protests are scheduled to coincide with Trump’s 79th birthday and an Army parade on Saturday, with organizers vowing the movement will remain peaceful.
The 50501 Movement did not immediately respond to Fox News Digital's request for comment.
"President Trump wants tanks in the street and a made-for-TV display of dominance for his birthday," the organization’s website states. "A spectacle meant to look like strength. But real power isn’t staged in Washington. It rises up everywhere else."
Officials are expecting two protests within Brevard County, according to Florida Today.
"Florida will never be California," Uthmeier said in a statement to Fox News Digital. "Rioting is illegal in our state and our law enforcement are on full alert this weekend. If anyone participates in violent rioting, threatens or injures law enforcement, damages businesses or property or obstructs traffic, we will ensure you will see the back of a jail cell and prosecute you to the fullest. Florida stands by President Trump, ICE and the rule of law."
The Brevard County Sheriff's Department did not immediately respond to Fox News Digital's request for comment.
Ivey closed the department’s warning by acknowledging that peaceful protests "are part of our democracy."
"Stand on the mountaintops and yell your opinion," Ivey said. "We invite that. But don’t go breaking the law, because it won’t go well for you."
Did Brevard residents get a “sign” that Trader Joe’s is one step closer to coming to Brevard County?Signs posted at Michael’s in The Avenue Viera indicate the store is closing. The crafting retailer, located at 2221 Town Center, is the same location a permit was recently filed for a buildout for Trader Joe’s.Brevard County officials confirmed in May a building permit application was filed for work to be done on "interior renovation for a Trader Joe's grocery store." As of J...
Did Brevard residents get a “sign” that Trader Joe’s is one step closer to coming to Brevard County?
Signs posted at Michael’s in The Avenue Viera indicate the store is closing. The crafting retailer, located at 2221 Town Center, is the same location a permit was recently filed for a buildout for Trader Joe’s.
Brevard County officials confirmed in May a building permit application was filed for work to be done on "interior renovation for a Trader Joe's grocery store." As of June 2, the permit remains “under active review by the relevant agencies,” county officials said.
In May, officials with Trader Joe’s said there is “no confirmed location” for the grocery store in Brevard County.
They don’t seem to be.
In fact, earlier when fellow crafter Joann announced it was closing all of its stores by the end of May, Michael’s posted a message on its website saying, “Welcome JOANN Customers. We’ve got your go-to essentials & so much more!"
The largest crafting store in the US, Michael’s, founded in 1973, has more than 1,300 stores in 49 states and Canada.
Back in December there was a lot of online buzz about Trader Joe's coming to the Space Coast, but the grocery store's officials shut down those rumors.
And if you feel like we've been down this permit application process with Trader Joe's before, it's because we have.
Back in 2017, residents got their hopes up when the grocer applied for a permit with the county, and a former county commissioner announced on social media that Trader Joe’s was coming to Merritt Island.
The plan was for it to move into a building on State Road 520 that once housed a Barnes & Noble. Trader Joe’s officials never confirmed the Merritt Island location, and it never came to be.
Hopes were raised once again in 2019. That’ when an Eau Gallie Arts District grassroots social-media campaign unsuccessfully attempted to lure Trader Joe's to open a store inside the shuttered Walgreens. A sign with the Trader Joe’s logo was hung on the building, which got the public excited. But that also never led anywhere.
Spitzer is a Trending Reporter. She can be reached at MSpitzer@Floridatoday.com.
Be prepared for some spectacular sunrises and sunsets later this week.The vibrant, colorful sky shows are thanks to a plume of dust from the Saharan Desert sweeping across Florida. Est...
Be prepared for some spectacular sunrises and sunsets later this week.
The vibrant, colorful sky shows are thanks to a plume of dust from the Saharan Desert sweeping across Florida. Estimated to be 2,000 miles wide from east to west and 750 miles long from north to south, the plume is the largest to reach America so far this year, according to AccuWeather.
“You could call it a spectacle,” said Brendan Schaper, meteorologist with the National Weather Service in Melbourne. “We usually see these dust plumes this time of year, at the beginning of hurricane season. This one is a large plume.”
The greatest concentration is expected to arrive some time on Wednesday into Thursday, Schaper said. “The main plume will be dissipating over the area by Friday," he added.
Aside from the beautiful sunrises and sunsets, residents can expect to see hazy skies. Visibility will be affected by the plume, however, it is not expected to affect air quality.
Saharan dust is dust and sand from the continent of Africa that gets brought over via wind around this time every year.
Known officially as the Saharan Air Layer, Saharan dust is dry, dusty air that forms over the Sahara Desert in northern Africa, according to the National Weather Service. As it moves off the west coast of Africa, it can travel across the North Atlantic reaching Florida and the United States.
Due to potential changes and cancellations, we encourage you to check with presenting organizations about the status of their events.1. ‘The Best of John Williams’ concert in MelbourneSpace Coast Symphony Orchestra presents a concert of John Williams’ film scores at the Scott Center, 5625 Holy Trinity Drive, Melbourne, on Saturday, May 24 at 7 p.m. The program will feature music from “St...
Due to potential changes and cancellations, we encourage you to check with presenting organizations about the status of their events.
Space Coast Symphony Orchestra presents a concert of John Williams’ film scores at the Scott Center, 5625 Holy Trinity Drive, Melbourne, on Saturday, May 24 at 7 p.m. The program will feature music from “Star Wars,” “E.T.,” “Jane Eyre,” “Far and Away,” “Jurassic Park,” “Close Encounters of the Third Kind” and more. Attendees are encouraged to dress up in their favorite Star Wars attire or costume. Selected youth musicians from around Central Florida will perform side-by-side on the second half with their professional SCSO counterparts. Tickets are $35 in advance, $40 at the door or free for ages 18 and younger. A second performance will be at Vero Beach High School Performing Arts Center, 1707 16th Street, Vero Beach, on Sunday, May 25 at 3 p.m. Call 855-252-7276 or visit spacecoastsymphony.org.
Ever dream of being a mermaid or merman? Brevard County Central Area Parks and Recreation is hosting a Merfolk academy from 5:30 to 7 p.m. on May 24 at McLarty Aquatic Center, 790 Barton Blvd. Rockledge. The class will cover basic swimming skills before transitioning into the monofin. Instructors will teach safe fin use and proper breathing while swimming. Participants must complete a swim test before registering for the academy. The swim test consists of being able to swim 12 yards without stopping, being able to float on their front or back. Merfolk tails and monofins are provided. Space is limited to 10 participants. The cost is $28.94 per student. Call 321-302-1658.
Brevard Zoo, 8225 N. Wickham Road, Melbourne, is debuting its second round of Bold Murals, featuring artists tackling the theme "They Thrive, We Thrive" this Memorial Day weekend. This exhibition features 13 new artists, all residents from Florida. Guests can watch the artists bring their large murals to life live before their eyes from May 24 to 26. Visitors can also enjoy several art-themed and educational activities around the zoo over the weekend, including opportunities to make your own art with natural elements, mini mural painting stations and more. Visit brevardzoo.org.
Famous Faces & Funnies, 3540 W. New Haven Ave., Melbourne, will give out 10 free comic books every Saturday in May, from 11 a.m. to 9 p.m. No purchase is necessary, and admission is free. Visit famousfacesandfunnies.com.
Meet the Grinch and some surprise friends in Wickham Park pavilion, 2500 Parkway Drive, Melbourne, on Saturday, May 24 from 11 a.m. to 4 p.m. Shop with over 100 vendors and food trucks. Email specialtypopupevents@gmail.com or visit facebook.com/specialtypopup.
Meet talented local artisans and find one-of-a-kind gifts at Max K. Rodes Park, 2885 Champion Way, Melbourne, on Friday, May 23 from 4:30 to 8:30 p.m. There will also be a DJ and food trucks. Admission is free. Visit brevardfl.gov or facebook.com/BrevardParks.
The movie “Sonic the Hedgehog 3” will be shown in Wickham Park, 2500 Parkway Drive, Melbourne, on Friday, May 23 at sunset. The movie will be shown drive-in style, with audio available through car stereo and external speakers. Prior to the movie, starting at 6 p.m., there will be food trucks. Admission is free. Visit brevardfl.gov or facebook.com/BrevardParks.
Lawndale Museum, 1219 Rockledge Drive, is open for community visits and information tours each Saturday from 10a.m. to 3 p.m. This elegant, authentically decorated home and beautiful outdoor environment was completed in 1880. Admission is a $10 donation, or free for kids. Visit friendsoflawndale.com.
Do you have a community entertainment event? Email tgif@floridatoday.com at least three weeks in advance for consideration for the Things to Do roundup.
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.
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