Mortgage Broker in Charleston, SC

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 Charleston, 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.

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 Charleston, SC
 Mortgage Lending Service Charleston, SC

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 Charleston, SC
 Refinances Charleston, SC

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 Charleston, 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:

  • 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 Charleston, 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.

Contact Us For Service !

phone-number (843) 822-5685
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Latest News in Charleston, SC

How to Watch Charleston (SC) Cougars vs. Elon Phoenix Women’s Basketball: Live Stream or on TV

The Charleston (SC) Cougars (19-6) will host the Elon Phoenix (13-12) after winning three home games in a row.In its most recent game, Charleston (SC) beat Hampton on Tuesday, 70-58. Taryn Barbot scored a team-high 18 points (and contributed three assists and 10 boards). Elon dropped its previous game to Drexel, 63-56, on Sunday. Raven Preston led the way with 19 points, plus six boards and two assists.Watch women’s c...

The Charleston (SC) Cougars (19-6) will host the Elon Phoenix (13-12) after winning three home games in a row.

In its most recent game, Charleston (SC) beat Hampton on Tuesday, 70-58. Taryn Barbot scored a team-high 18 points (and contributed three assists and 10 boards). Elon dropped its previous game to Drexel, 63-56, on Sunday. Raven Preston led the way with 19 points, plus six boards and two assists.

Watch women’s college basketball, other live sports and more on Fubo. What is Fubo? Fubo is a streaming service that gives you access to your favorite live sports and shows on demand. Use our link to sign up.

When is Charleston (SC) vs. Elon and when does it start?

This game between the Cougars and Phoenix will go down on Friday, February 28, 2025. You should expect the opening tip at 7 p.m. ET.

The Cougars and Phoenix will take to the hardwood at TD Arena for this matchup on February 28, and if you would like to see the event live, get your tickets now from Vivid Seats!

Watch women’s college basketball all season on Fubo.

Charleston (SC) Cougars vs. Elon Phoenix Game Preview

Charleston (SC)’s +420 scoring differential (outscoring opponents by 16.8 points per game) is a result of scoring 72.8 points per game (68th in college basketball) while allowing 56 per outing (22nd in college basketball).

The 72.8 points the Cougars average are 11.4 more than the Phoenix concede.

Charleston (SC) knocks down 7.1 three-pointers per game (92nd in college basketball) at a 29.1% rate (266th in college basketball), compared to the 5.9 per game its opponents make at a 31.4% rate.

The Cougars are averaging 77.9 points per game this season when playing at home, which is 9.9 more points than they’re averaging away from home (68).

Charleston (SC) has been scoring 66.9 points per game in its last 10 times on the court, an average that’s slightly lower than the 72.8 it has scored over the course of the 2024-25 season.

Elon’s -62 scoring differential (being outscored by 2.5 points per game) is a result of putting up 58.9 points per game (302nd in college basketball) while giving up 61.4 per contest (105th in college basketball).

The Phoenix average 58.9 points, just 2.9 more than the 56 the Cougars allow.

Elon hits 3.8 three-pointers per game (337th in college basketball), 1.4 fewer than its opponents.

The Phoenix score 61.7 points per game at home, and 55.9 away.

In its past 10 games, Elon is averaging 54.9 points per game, four fewer points than its season average (58.9).

Want to catch this game live? Buy tickets for Charleston (SC) vs. Elon on Vivid Seats.

Cougars Leaders
Name GP PTS REB ASST STL BLK 3PM
Taryn Barbot 25 14.7 7.3 2.6 2.4 0.3 2.2
Taylor Barbot 25 11.9 3.8 4.1 1.7 0 0.5
Lara Rohkohl 25 9.8 9.6 0.4 1.6 2.1 0
McKinley Brooks-Sumpter 24 8.7 4.2 1.8 1.4 0.1 0.4
Jami Hill 14 7.9 1.8 0.2 1.4 0.1 1.4

Rep your favorite team with officially licensed apparel from Lids or Fanatics.

And for more CBB game previews, NCAA basketball picks or even how to bet on college basketball check out the latest NCAAB lines on Betsperts.

‘You will go to jail’: SC governor warns against outdoor burning amid burn ban

CHARLESTON, S.C. (WCSC) - South Carolina Gov. Henry McMaster stressed the importance of obeying a statewide burn ban as fire crews in multiple counties raced to contain wildfires.The governor posted on his X account Saturday night about a ban on outdoor burning the South Carolina Forestry Commission ordered for the entire state earlier in the day.“That means you can and will go to jail fo...

CHARLESTON, S.C. (WCSC) - South Carolina Gov. Henry McMaster stressed the importance of obeying a statewide burn ban as fire crews in multiple counties raced to contain wildfires.

The governor posted on his X account Saturday night about a ban on outdoor burning the South Carolina Forestry Commission ordered for the entire state earlier in the day.

“That means you can and will go to jail for starting a fire outdoors in South Carolina. Period,” he said.

He said first responders and firefighters across the state “are risking their lives to contain many fires.” He urged people to “pay attention to official emergency sources” and to call 911 to report any issues.

A statewide burning ban is now in effect due to dangerous wildfire conditions. pic.twitter.com/vzQLugXgH5

— Gov. Henry McMaster (@henrymcmaster) March 2, 2025

Lowcountry firefighters battled multiple fires on Saturday, including a wildfire in Charleston County, a large brush fire in Berkeley County and multiple fires in the North Charleston area.

The most intense fire activity in the Lowcountry, however, was in Georgetown County where officials ordered an evacuation in the Prince George area.

Georgetown County spokesperson Jackie Broach said on Saturday night that the fire had been contained and the evacuation order had been lifted.

“No structures were damaged,” she said, adding that firefighters planned to remain at the site of the fire.

It was not clear how many acres burned in the fire.

A second fire in the North Santee area of Georgetown County was also contained, she said. Firefighters estimated about 800 acres were affected.

She asked people who live in the areas affected by the fires to remain vigilant since conditions can change rapidly.

Georgetown County enacted its own county-wide burning ban last week ahead of the South Carolina Forestry Commission’s Red Flag Fire Alert and Saturday’s statewide burning ban.

Copyright 2025 WCSC. All rights reserved.

How to Watch Charleston (SC) Cougars vs. UNC Wilmington Seahawks Women’s Basketball: Live Stream or on TV

The Charleston (SC) Cougars (20-6) will try to continue a five-game win streak when they host the UNC Wilmington Seahawks (13-15) on March 2, 2025 at TD Arena.On Friday, in its most recent game, Charleston (SC) defeated Elon 91-51. With 21 points, Taryn Barbot was its top scorer. UNC Wilmington dropped its previous game to N.C. A&T, 67-64, on Friday. Taylor Henderson was its top scorer with 17 points.Watch women’s...

The Charleston (SC) Cougars (20-6) will try to continue a five-game win streak when they host the UNC Wilmington Seahawks (13-15) on March 2, 2025 at TD Arena.

On Friday, in its most recent game, Charleston (SC) defeated Elon 91-51. With 21 points, Taryn Barbot was its top scorer. UNC Wilmington dropped its previous game to N.C. A&T, 67-64, on Friday. Taylor Henderson was its top scorer with 17 points.

Watch women’s college basketball, other live sports and more on Fubo. What is Fubo? Fubo is a streaming service that gives you access to your favorite live sports and shows on demand. Use our link to sign up.

When is Charleston (SC) vs. UNC Wilmington and when does it start?

This game between the Cougars and Seahawks will happen on Sunday, March 2, 2025. You can expect the opening tip at 2 p.m. ET.

The Cougars and Seahawks will take to the floor at TD Arena for this matchup on March 2, and if you’d like to catch the matchup live, get your tickets now from Vivid Seats!

Watch women’s college basketball all season on Fubo.

Charleston (SC) Cougars vs. UNC Wilmington Seahawks Game Preview

Charleston (SC) is outscoring opponents by 17.7 points per game with a +460 scoring differential overall. It puts up 73.5 points per game (60th in college basketball) and gives up 55.8 per contest (18th in college basketball).

The Cougars score 8.0 more points than the Seahawks concede (65.5).

Charleston (SC) connects on 7.1 three-pointers per game (95th in college basketball) at a 29.2% rate (265th in college basketball), compared to the 5.7 per game its opponents make at a 30.7% rate.

Offensively, the Cougars have performed better when playing at home this season, averaging 78.9 points per game, compared to 68.0 per game in away games.

Charleston (SC) has been scoring 70.5 points per contest in its last 10 appearances, an average that’s a little lower than the 73.5 it has scored over the course of the 2024-25 season.

UNC Wilmington has a -22 scoring differential, putting up 64.8 points per game (196th in college basketball) and conceding 65.5 (202nd in college basketball).

The Seahawks post 9.0 more points per game (64.8) than the Cougars give up (55.8).

UNC Wilmington knocks down 5.7 three-pointers per game (217th in college basketball) at a 30.1% rate (229th in college basketball), compared to the 5.4 its opponents make, shooting 29.6% from beyond the arc.

At home the Seahawks are scoring 69.0 points per game, 8.5 more than they are averaging on the road (60.5).

While UNC Wilmington is putting up 64.8 points per game in 2024-25, it has fallen short of that in its previous 10 games, producing 63.1 points per contest.

Want to catch this game live? Buy tickets for Charleston (SC) vs. UNC Wilmington on Vivid Seats.

Rep your favorite team with officially licensed apparel from Lids or Fanatics.

And for more CBB game previews, NCAA basketball picks or even how to bet on college basketball check out the latest NCAAB lines on Betsperts.

Long-anticipated Magnolia project on Charleston peninsula breaks ground

CHARLESTON, S.C. (WCSC) - A long-anticipated development project located in the neck of the Charleston peninsula officially broke ground on Friday morning.Project members along with state and city officials all joined on the 192-acre property off Milford Street, overlooking the Ashley River, to celebrate this huge milestone.The nearly $3 billion Magnolia Landing development will feature residential units, a hotel, office space, retail, restaurants, water access, and green space.The original plan for the Magnolia developm...

CHARLESTON, S.C. (WCSC) - A long-anticipated development project located in the neck of the Charleston peninsula officially broke ground on Friday morning.

Project members along with state and city officials all joined on the 192-acre property off Milford Street, overlooking the Ashley River, to celebrate this huge milestone.

The nearly $3 billion Magnolia Landing development will feature residential units, a hotel, office space, retail, restaurants, water access, and green space.

The original plan for the Magnolia development started two decades ago, however, city officials say land contamination and finding development investors delayed the timeline over the years.

The Magnolia site was previously an industrial site for the Koppers wood treatment facility, Columbia Nitrogen fertilizer plant and Ashepoo Phosphate superphosphate fertilizer plant since the late 80s. These sites polluted the soil and groundwater with lead, creosote and other toxins.

After all of this time, Clark Davis, the President and CEO of real estate development firm Highland Resources, says he is thrilled to get shovels in the ground and is honored to be doing it in the Charleston community.

“I think with 25 acres of parks, the longest stretch of continuous waterfront public walkway, and the amenities that we’re going to have here, it’s going to be a place where people want to come, they’re going to want to live, and they’re going to want to work, and they’re going to really enjoy it,” Davis says.

He says that they will be doing this project in phases. The first phase includes 600 multi-family housing units, a 100,000-square-foot office building, 158 townhomes, and park space. Davis says that infrastructure work, also part of the first phase, is already underway and must be completed before vertical construction begins, which is expected to start this summer.

He says the next phase would focus on constructing the hotel, an amenities based retail center, along with more residential and office space. Davis says that they will also have four high-end restaurants that will be accessible by the marina.

“There is nowhere in Charleston that you can go and access four high-end restaurants by pulling your boat up in front of them and we will have that here. So, this is going to be a really neat area that’s going to compliment Charleston and the history of Charleston, but also be something new and exciting,” Davis says.

Highland Resources Senior Managing Director Bill Neeson says that the Magnolia development is designed with sustainability in mind.

“We’re also very resilient, so we’re building the property up so that it doesn’t flood, so it’s resilient to some of the climate change that has happened and also it’s just going to be a really beautiful mixed use development,” Neeson says.

Neeson says that they are anticipating that in early 2028 people can expect to see some of the buildings begin to open from the first phase, but that the entire Magnolia Landing development will take about 20 years to complete.

Copyright 2025 WCSC. All rights reserved.

How to watch Charleston (SC) Cougars vs. Delaware Fightin' Blue Hens: Live stream info, TV channel, game time | February 27

Data SkriveThe Charleston (SC) Cougars (21-8, 11-5 CAA) welcome in the Delaware Fightin' Blue Hens (12-17, 5-11 CAA) after victories in three straight home games. It tips at 7 p.m. ET on Thursday, February 27, 2025.In its most recent game, Charleston (SC) fell to Drexel 64-55 on the road, with Ante Brzovic (16 PTS, 50 FG%) and Deywilk Tavarez (11 PTS, 33.33 FG%) the standout performers. In its most recent game, Delaware fell at home to Hofstra, 78-65. Its top scorers were Niels Lane (24 PTS, 10 REB, 55 FG%, 2-4 from 3PT) and Iz...

Data Skrive

The Charleston (SC) Cougars (21-8, 11-5 CAA) welcome in the Delaware Fightin' Blue Hens (12-17, 5-11 CAA) after victories in three straight home games. It tips at 7 p.m. ET on Thursday, February 27, 2025.

In its most recent game, Charleston (SC) fell to Drexel 64-55 on the road, with Ante Brzovic (16 PTS, 50 FG%) and Deywilk Tavarez (11 PTS, 33.33 FG%) the standout performers. In its most recent game, Delaware fell at home to Hofstra, 78-65. Its top scorers were Niels Lane (24 PTS, 10 REB, 55 FG%, 2-4 from 3PT) and Izaiah Pasha (12 PTS, 2 STL, 55.56 FG%).

To prepare for this college basketball matchup, here is what you need to get ready for Thursday's action.

Check out: USA TODAY Sports Coaches Poll

Charleston (SC) vs. Delaware: How to watch on TV or live stream

Watch college basketball on Fubo!

Cougars vs. Fightin' Blue Hens odds and spread

College basketball odds courtesy of BetMGM Sportsbook. Odds updated Thursday at 3:33 p.m. ET. For a full list of sports betting odds, access USA TODAY Sports Betting Scores Odds Hub.

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