Your Path to Homeownership Starts Here - Expert Mortgage Assistance

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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.

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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.

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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

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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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Charleston County leaders discuss new ideas for transportation sales tax

CHARLESTON COUNTY, S.C. (WCSC) - Charleston County leaders discussed several updates in departments, officials and projects at their retreat meeting on Wednesday afternoon.One of the presentations involved new ideas for the transportation sales tax.After the presentation from the Berkeley Charleston Dorchester Council of Governments and the county’s new consultants, the council made a motion to move forward with exploring the idea of a new referendum, but with a different approach.In the past, the council has been ...

CHARLESTON COUNTY, S.C. (WCSC) - Charleston County leaders discussed several updates in departments, officials and projects at their retreat meeting on Wednesday afternoon.

One of the presentations involved new ideas for the transportation sales tax.

After the presentation from the Berkeley Charleston Dorchester Council of Governments and the county’s new consultants, the council made a motion to move forward with exploring the idea of a new referendum, but with a different approach.

In the past, the council has been focused on roadways, transit, bike and pedestrian ways, and a Greenbelt project, where the council has put the referendum on the ballot first before going to the public.

Charleston County Council Member for District 9 Jenny Costa Honeycutt said they learned from their mistakes when introducing a referendum on the ballot without getting the public’s feedback prior to decision making.

“I think everyone across all districts wants to know that they were heard,” Honeycutt said.

In 2024, community members voted against a referendum when it was on the November ballot.

However, with this possible new referendum, the council will gather the data and public feedback before any decisions are made or any voting is to be done.

“What the council is doing is they’re leading a campaign to gather data to help them make informed decisions about possibly putting another transportation sales tax on the 2026 ballot,” Deputy County Administrator for Public Services Steve Thigpen said.

With the Tri-County council asking the Charleston County council to lay down a framework, it helped provide new goals and a clear understanding of where this referendum could be headed. Their overall message was to begin with the end in mind.

“I think you can learn a lot from failure and so I think one of the priorities has been how we structure this in a way that really captures the public engagement, and making sure if we do proceed with another referendum that we do so in a way that the public really understands,” Honeycutt said. “Not only understand the question being asked, but they understand the program as it currently exists today.”

For Honeycutt, she said in her district, they really pushed for connectivity along with other initiatives.

“Capacity is always an issue. Traffic’s always an issue, and without additional roads to help with that increased capacity coming across the islands, we have to use our existing infrastructure. So, we need to figure out the best way to improve that,” she said.

She said they’re prioritizing transparency and making sure the public is informed of any possible new decisions, along with making sure they’re educated on what has already been done in previous projects.

While they move forward to explore this idea, the council’s transportation consultants must come back within 60 days, providing an analysis and data before the decision process for any future transportation can begin.

Copyright 2025 WCSC. All rights reserved.

New York-style deli is opening soon in Charleston. Here's what to expect.

WEST ASHLEY — A New York-inspired deli is preparing to open in a small space that previously housed a catering business.The Wedge, set to debut at 2487 Ashley River Road in the next month, will specialize in sandwiches, burgers and prepared foods. The new establishment is an extension of a ...

WEST ASHLEY — A New York-inspired deli is preparing to open in a small space that previously housed a catering business.

The Wedge, set to debut at 2487 Ashley River Road in the next month, will specialize in sandwiches, burgers and prepared foods. The new establishment is an extension of a food truck chef Gerry Meehan and his wife Erin Sorbanelli launched after relocating to the Lowcountry from Westchester County near New York City.

With the new establishment, the pair joins the growing list of Charleston-area restaurateurs who are leaning into food that celebrates the culinary traditions of the Northeast.

The Wedge food truck has been popping up at various establishments since its inception, recently at Hobcaw Brewing Co. in Mount Pleasant and House of Brews in West Ashley. Its offering has resonated, with people from New York and New Jersey gravitating to sandwiches like the chicken cutlet, a top seller on the truck.

When it opens in the space previously occupied by The Good Cooker Charleston, The Wedge will serve morning and lunch sandwiches, including the chicken cutlet and a smash-burger with American cheese, pickles, griddled onions and a signature sauce.

The Wedge will mainly serve as a grab-and-go destination. Meehan and Sorbanelli plan to operate the food truck in the evenings after the new deli closes in the afternoon.

The Wedge is targeting a late July or early August opening. For more updates, follow The Wedge on Instagram @thewedgechs.

Charleston breaks 12-year streak as Travel + Leisure's Best US City. Here's why.

CHARLESTON — The Holy City's 12-year streak as Travel + Leisure's "Best U.S. City" has officially been snapped as it dropped down to the No.3 spot.Santa Fe took the crown for the 2025 list, released July 8, with New Orleans in a close second.Charleston may no longer be No....

CHARLESTON — The Holy City's 12-year streak as Travel + Leisure's "Best U.S. City" has officially been snapped as it dropped down to the No.3 spot.

Santa Fe took the crown for the 2025 list, released July 8, with New Orleans in a close second.

Charleston may no longer be No. 1, but it still beat cities like Savannah and Honolulu. It also wasn't the only South Carolina city to make the list, as Greenville earned the No. 7 spot.

When asked about this year's rankings, Travel + Leisure editor-in-chief Jacqui Gifford said Charleston’s 12-year run at the top is "a testament to its timeless charm."

"(Charleston's) rich history, vibrant culinary scene, and signature hospitality have long resonated with our readers," she said.

The city is still going strong on the best of list at No. 3, while Kiawah Island and multiple resorts and hotels were recognized in various categories, including several “Best in the U.S.” lists.

South Carolina newcomer Greenville also earned a spot on the "Best U.S. City" list for the first time. Travel + Leisure wrote that the Upstate destination "made a strong debut" at No. 7 and cements the Southeast as a "powerhouse region."

"This mid-size city was described as one of the South’s best kept secrets. Visitors appreciated the high number of locally owned restaurants and the proximity to the outdoors — the Reedy River, which flows right through downtown, also provides a peaceful setting," the publication wrote.

Santa Fe's rise, Gifford said, comes in turn as a result of it's "unique blend of art, history and Southwestern culture."

Helen Hill, CEO of Explore Charleston, said regardless of the ranking, the region has forged a reputation for "delivering meaningful experiences and genuine hospitality." She added that readers clearly continue to "recognize the Charleston area’s uniqueness and character."

“In addition to Charleston being voted a top three U.S. city, the market’s outstanding reputation and desirability are further illustrated by the number of industry partners regionwide — from our beaches to the historic district — that were voted among the best in the country,” Hill said.

Charleston's $14 billion tourism machine saw more than nearly 8 million visitors last year. Almost 25 cents of every dollar spent in the region is attributable to the industry, College of Charleston’s Office of Tourism Analysis estimated in a study last year.

Views from afar

Randy Randall, director of Tourism Santa Fe — the visitor's bureau for the New Mexico city — said Charleston and Santa Fe have been running neck-in-neck in the Travel + Leisure rankings for the last few years. He gives The Holy City credit for retaining the title for so long.

Randall said he's asked often what city Santa Fe competes with, and his response is always, "No one." But when it comes to what city Santa Fe is most like, he always answers, "Charleston." He said it's the cities' authentic storytelling and preserved history that create a resemblance, but each has something the other does not. Charleston has a waterfront, while Santa Fe has mountains.

"One thing we're very proud of the fact that we don't change much," Randall said. "We've been very protective of our history. Santa Fe is the second-oldest city in the United States, and it's the oldest state capital. Very early on, we created the urban historic protection rules that we have in our historic district."

Santa Fe's welcomes 3 million visitors per year, with 2.2 million overnight stays and 800,000 day trips, according to Tourism Santa Fe data. Much of Santa Fe's tourism is regional, similar to Charleston's "drive-in" visitation trend of several years ago, before the growth in local air service options began to pull travelers from a wider geographic area.

Santa Fe is a community of roughly 92,000 people, while its greater county has a population of 142,000. Meanwhile, the city of Charleston has more than 155,000 residents, with the county totaling closer to 424,000, according to Census Bureau data.

Randall said many are surprised to hear Santa Fe is home to more than 250 art galleries, a world-class opera house and a robust culinary scene of more than 400 restaurants. It's also known for its rich cultural and art festivals.

"We live above our size and I think that's one of the things that makes us different than most places," Randall said. "It's the visitation that is our lifeblood. Because our communities are smaller we deal with less issues that other cities face, like rush-hour traffic."

Randall said he has a deep respect for Charleston and the city's tourism leaders. He's no stranger to South Carolina, having worked on Hilton Head Island for a few years. If anyone had to take the crown from Charleston, he said he's "honored it was Santa Fe."

The magazine's annual survey fetched more than 180,000 responses that rated the best places to visit and stay around the world. The Travel + Leisure survey rates top cities based on sights, landmarks, culture, cuisine, friendliness, shopping and overall value.

Charleston first climbed to the top of the Travel + Leisure best U.S. city ranking in 2013.

Other nods

A New City Just Won Top U.S. Destination for the First Time — Ending a 12-Year Streak for a Southern Favorite

For the first time in 12 years, a new U.S. city has been crowned the best domestic destination by Travel + Leisure readers.On Tuesday, July 8, T+L released its annual ...

For the first time in 12 years, a new U.S. city has been crowned the best domestic destination by Travel + Leisure readers.

On Tuesday, July 8, T+L released its annual World’s Best Awards. In a remarkable upheaval, Santa Fe, N.M. tops the list of best U.S. cities, ousting Charleston, S.C., which had held the title since 2013. The coastal city not only lost the top spot, it dropped to fourth place.

Known for its vibrant art scene, outdoor recreation and more than 300 days of sunshine each year, Santa Fe, was described by one reader is “a true gem of a place in America.”

“Every trip exceeds the last, with so many new things to discover,” another repeat visitor told the outlet, adding, “Santa Fe offers a multi-layer experience.”

T+L readers “raved” about the inventive New Mexican cuisine and the city’s natural beauty. Urban markets and galleries combine with the rolling foothills of the Sangre de Cristo mountain ranges to make for a perfect getaway.

Celebrities are also fans of this Southwest culture capital.

The late Val Kilmer spent decades living in Santa Fe, as did Gene Hackman. Game of Thrones author George R. R. Martin also has deep roots in the community. In 2013, he pledged his own money to rejuvenate the local and historic Jean Cocteau Cinema.

Each year, T+L sends a survey out to readers through the magazine, tablet editions, newsletters, social media and travelandleisure.com that asks respondents to rate nominees in each category based on certain characteristics. For cities, readers were asked to rate sights/landmarks, culture, food, friendliness, shopping and value. Final scores are averages of these responses.

While Santa Fe has had a spot in T+L's top 10 list for the past 20 years, this is its first time it has claimed No. 1.

Overall, readers were big fans of cities in the Southeast and Southwest, with only one city in the Northeast and one in the Midwest rounding out the top 10.

Santa Fe was also the only U.S. city to make T+L’s list of top 25 cities in the world, coming in at No. 19. At the top spot, a 10-time honoree, is San Miguel de Allende, Mexico followed by Chiang Mai, Thailand and Tokyo, Japan.

For vacationers looking for an island getaway, Páros, Greece takes the top spot for best island. According to Forbes, big names like Tom Hanks, Matthew McConaughey and Jeff Bezos are frequent visitors. In the U.S., the top island goes to Mount Desert Island, Maine — a protected part of Acadia National Park.

“This year’s results reflect a travel landscape in motion,” Travel + Leisure’s editor-in-chief Jacqui Gifford said in a press release. “From a high-desert city in the American Southwest to a quiet Greek island, our readers are seeking depth, character, and a strong sense of place. We’re thrilled to honor the hotels, destinations, and travel companies that are delivering those transformative experiences.”

Never miss a story — sign up for PEOPLE's free daily newsletter to stay up-to-date on the best of what PEOPLE has to offer​​, from celebrity news to compelling human interest stories.

See more from Travel + Leisure's World's Best Awards in the July issue, on newsstands now, or visit travelandleisure.com.

This Resort Right Outside of Charleston Was Just Named No. 1 in South Carolina—and It Has a Marshfront Pool, Carolina Coastal Cruising, and Southern Hospitality

Travel + Leisure readers have long loved the Palmetto State.And while there are plenty of vacation-worthy places across South Carolina, from the marshy ...

Travel + Leisure readers have long loved the Palmetto State.

And while there are plenty of vacation-worthy places across South Carolina, from the marshy Lowcountry to the scenic Blue Ridge Mountains, one region is a clear winner this year. Eight of our readers’ 10 favorite South Carolina resorts can be found along the coast; three winners are located on Hilton Head Island (with another just off the island in Bluffton), and four are located in the communities surrounding the reader-favorite city, Charleston. Of course, the Upstate is home to a couple of standout properties as well—two of this year’s winners are in Greenville, a blossoming city in the foothills of the Blue Ridge Mountains.

It’s clear the South Carolina Lowcountry has captured our readers’ hearts. Both Hilton Head Island and Kiawah Island, frequently voted among the top islands in the continental U.S., are home to some of our readers’ favorite coastal resorts. Disney’s Hilton Head Island Resort, voted No. 8 this year, offers a family-friendly escape in a scenic natural setting (far from Disney’s famous theme parks), while The Sanctuary at Kiawah Island Golf Resort (No. 4) is a prime golf getaway with world-renowned courses just minutes away.

Of course, no matter which of these hotels you pick across the Palmetto State, one thing remains consistent: the dedication to that warm Southern hospitality the region is known for. Of Hotel Hartness, which made No. 2 this year after winning the top spot in 2024, one reader commented, “This hotel continues to provide excellent and bespoke service, as well as a truly unique experience.”

While there are several returning favorites, the top property for 2025 is a luxe newcomer—but more on that below.

The Winner

The Dunlin, Auberge Resorts Collection

One of South Carolina’s newest luxury resorts is also the state’s best, according to T+L readers. The Dunlin, Auberge Resorts Collection opened last summer in the new Kiawah River development on Johns Island, about 20 miles from downtown Charleston. The WBA newcomer has 72 rooms and suites spread across several buildings that feel like a Lowcountry home away from home. The luxe property features a marshfront pool lined with mint green loungers, an elevated take on Carolinian coastal cuisine at Linnette’s, and guest rooms decked out in gingham and pastels. One reader described it as a “new gem just outside Charleston” with “incredible interior design.”

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