Mortgage Broker in Columbia, 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 Columbia, 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 Columbia, SC
 Mortgage Lending Service Columbia, 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 Columbia, SC
 Refinances Columbia, 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 Columbia, 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 Columbia, 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
 Cash Out Refinance Columbia, SC

Latest News in Columbia, SC

Need something to do this weekend? Check out these events in the Columbia area

St. Pat's in Five Points dominates, but there are other things to do this weekendCOLUMBIA, S.C. — St. Pat’s in Five Points is the big event this weekend, but if you’re not into communing with 30,000+ of your closest friends, there are some other things going on that might pique your...

St. Pat's in Five Points dominates, but there are other things to do this weekend

COLUMBIA, S.C. — St. Pat’s in Five Points is the big event this weekend, but if you’re not into communing with 30,000+ of your closest friends, there are some other things going on that might pique your interest.

Here’s a partial list of events – other than St. Pat’s – going on Friday through Sunday, March 14-16:

Carolina Classic Home & Garden Show, 10 a.m.-6 p.m. Friday, 10 a.m.-5 p.m. Saturday and Sunday, SC State Fairgrounds, 1200 Rosewood Dr., Columbia. Thinking about building or remodeling your home, or want to check on the latest home and garden trends? This is the place to be this weekend.

Columbia City Manager's Go Red Heart Walk, 10:30 a.m., City Hall, 1737 Main St. Wear something red and join Columbia City Manager Teresa Wilson for a walk to the State House to raise awareness for heart health in our community. Exhibitors such as Prisma Health and March of Dimes will have information on the importance of heart health.

Newberry Irish Fling, 5 p.m., downtown Newberry. The streets in downtown Newberry will be closed to vehicle traffic so that local bars and restaurants can showcase their best food and drink and live music. Admission and parking are free.

Live in the Lobby Jazz: Jane Monheit: American Songbook, 7:30 p.m. Koger Center, 1051 Greene St., Columbia. Monheit is a jazz and adult contemporary vocalist and successful bandleader. Her performance will consist of her take on jazz standards from The Great American Songbook

Soda City Market, 9 a.m.-1 p.m., Main Street Columbia. Wander through city blocks full of food trucks, arts and crafts and more.

C.A. Johnson High School Gospelfest, 6:30 p.m. C.A. Johnson High School, 2219 Barhamville Rd. The concert will feature Grammy Award-winning gospel singer Le'Andria Johnson and Blanche McAllister-Dykes, Jarell Smalls, Tejon Conyers and Damon Terry, and will feature a special tribute to singer Angie Stone, who passed away March 1. Ms. Stone was a Columbia native who attended C.A. Johnson.

LifeChance: Gala of the Stars, 7:30 p.m., Koger Center. Columbia Classical Ballet’s showcase of some of the world’s most exceptional dancers, this year featuring Elisabeth Beyer from American Ballet Theatre.

A Wee Bit Celtic Artisan Market, 11 a.m.-4 p.m., Flora & Fauna Marketplace, 4773 Sunset Blvd., Lexington. A day before the actual St. Patrick’s Day, don your finest kilt or fantasy attire and enjoy a celebration of Celtic lore and heritage with food and music.

Free Sundays at Robert Mills House, 1-4 p.m., 1616 Blanding St. Residents of Richland and Lexington counties are invited to tour the Robert Mills House and gardens for free, thanks to Richland County. Semi-guarded tours are at the top of the hour and guests can register on a first-come, first-serve basis at the Gift Shop at Robert Mills

WEDNESDAY, March 19: McNair Conversations on the American South with Michael Stipe, 6 p.m. Koger Center. The former lead singer of R.E.M. talks about his 31 years in the band, his transition to work in video, sculpture, and photographic and digital imagery, and completing his first solo album, set for release in 2025.

THURSDAY, March 20: Free seed packets and lemonade at Columbia Visitors Center, 9 a.m.-5 p.m., Columbia SC Visitor Center, 1120 Lincoln St.

THURSDAY-SATURDAY. March 20-22: SC BBQ Shag Festival, Hemingway, SC. Come for the beach music and dancing, stay for the whole hog barbecue cook-off.

Manufacturer to enter SC market with $70M Lexington County facility

Listen to this articleA German manufacturer has chosen Lexington County for its first South Carolina operation.ALLTAPE Adhesive Manufacturing Inc., a manufacturer of adhesive products, has chosen Lexington County to establish the company’s first South Carolina operation, according to a news release. The $70 million investment will create 130 new jobs.ALLTAPE’s new facility, located in the Saxe Gotha Industrial Park, will include 125,000 square feet of production and office space.Part of ATP Group and f...

Listen to this article

A German manufacturer has chosen Lexington County for its first South Carolina operation.

ALLTAPE Adhesive Manufacturing Inc., a manufacturer of adhesive products, has chosen Lexington County to establish the company’s first South Carolina operation, according to a news release. The $70 million investment will create 130 new jobs.

ALLTAPE’s new facility, located in the Saxe Gotha Industrial Park, will include 125,000 square feet of production and office space.

Part of ATP Group and founded in Germany, ALLTAPE specializes in developing and manufacturing sustainable and solvent-free adhesive products. The company’s water-based adhesives are used in a variety of industry segments including automotive, transportation, foam, plastics and more.

“Launching our first production site in Lexington County, South Carolina marks a significant milestone in our expansion into the U.S. market,” ATP Group CEO Daniel Heini said in the release. “This substantial investment reflects ATP’s commitment to growth and innovation, and we are excited to commence operations in the South Carolina region.” –

Operations are expected to be online in July 2026.

“Lexington County is proud to welcome ALLTAPE and their significant investment of $70 million to our community,” Lexington County Council Chairman Todd Cullum said in the release. “This commitment, along with the creation of 130 new jobs, demonstrates the strength of our business climate and the opportunities available here. We look forward to the positive impact this project will have on our local economy and workforce for years to come.”

Related: Global manufacturer leases space at Columbia speculative building

Related: Paper company to invest $145 million in Eastover, Sumter facilities

The Coordinating Council for Economic Development approved job development credits related to the project, according to the release. The council also awarded a $600,000 Set-Aside grant to Lexington County to assist with the costs of site preparation and building construction.

“We are thrilled to congratulate ALLTAPE Adhesive Manufacturing Inc.,” Central SC Alliance Chairman Matthew Shaffer said in the release. “On selecting Lexington County as the ideal location for their first operations in South Carolina. Their innovative adhesive products are poised to strengthen our region’s thriving industries, seal new opportunities for growth and create a lasting bond of success across our vibrant business ecosystem.”

Don’t miss this week’s total lunar eclipse!

COLUMBIA, S.C. (WIS) - Sky watchers will get an astronomical treat this week.The 2025 March Total Lunar Eclipse takes place late Thursday night, March 13, into Friday morning, March 14.A lunar eclipse is when the Earth, Sun, and Moon come into alignment with the Moon passing through the Earth’s shadow.Unlike the 2024 Total Solar Eclipse, you don’t need any special eyewear to view the eclipse. For the best viewing conditions, you’ll want to get away from bright lights as much as possible.While you...

COLUMBIA, S.C. (WIS) - Sky watchers will get an astronomical treat this week.

The 2025 March Total Lunar Eclipse takes place late Thursday night, March 13, into Friday morning, March 14.

A lunar eclipse is when the Earth, Sun, and Moon come into alignment with the Moon passing through the Earth’s shadow.

Unlike the 2024 Total Solar Eclipse, you don’t need any special eyewear to view the eclipse. For the best viewing conditions, you’ll want to get away from bright lights as much as possible.

While you should be able to see the lunar eclipse with the naked eye, a telescope or binoculars may offer a better viewing.

Lunar eclipses such as this one are also known as “Blood Moons” due to the reddish orange hue the moon will appear to have. The reason for the moon appearing to turn red-orange is an optical illusion that occurs when the moon passes into the darkest part of the Earth’s shadow known as the umbra.

The 2025 March Total Lunar eclipse will be visible from the Earth’s western hemisphere including all of the United States. Here’s an idea of when the Midlands can see the eclipse this week.

According to www.timeanddate.com, the 2025 March Total Lunar Eclipse will begin at 11:57 pm Thursday and lasts just over six hours for sky watchers in Columbia, SC.

As the Moon enters the Earth’s shadow, a partial eclipse occurs. It will appear as if a “bite” is being taken out of the Moon. This is expected to begin at 1:09 am Friday.

Totality begins when the entire Moon moves into the Earth’s umbra. This is also when a completely red moon should be visible. Totality, including its maximum eclipse at 2:58 am, is expected to begin at 2:26 am and end at 3:31 am Friday.

The Moon will slowly emerge form the Earth’s shadow and the eclipse will end around 6 am.

For viewing conditions in your area, get the latest forecast at https://www.wistv.com/weather/.

Feel more informed, prepared, and connected with WIS. For more free content like this, subscribe to our email newsletter, and download our apps. Have feedback that can help us improve? Click here.

Copyright 2025 WIS. All rights reserved.

'Jersey Shore' star DJ Pauly D brings the party to Columbia

The party was here.The shore was nowhere in sight, but DJ Pauly D brought his A-game to The Senate March 6, spinning with all his heart, and creating a 'Situation' fueled by fist pumps, singalongs and clubgoers ready for a good time.Born Paul Michael DelVecchio, the reality television personality demonstrated his prowess as a deejay, leading an EDM show for more than 90 minutes that never lost momentum, even when the beat slowed down to incorporate a more mellow tempo.Star of such MTV programs as “Jersey Shore&rdqu...

The party was here.

The shore was nowhere in sight, but DJ Pauly D brought his A-game to The Senate March 6, spinning with all his heart, and creating a 'Situation' fueled by fist pumps, singalongs and clubgoers ready for a good time.

Born Paul Michael DelVecchio, the reality television personality demonstrated his prowess as a deejay, leading an EDM show for more than 90 minutes that never lost momentum, even when the beat slowed down to incorporate a more mellow tempo.

Star of such MTV programs as “Jersey Shore” and “Jersey Shore Family Vacation,” Pauly D, as he is generally known, has been a household name among millennials and their younger siblings since 2009. That's when he was cast as one of eight summer beachgoers sharing a shore house, a.k.a. summer beach rental in Seaside Heights, New Jersey. The show’s omnipresent cameras followed the protagonists through typical young adult vacation behavior: drinking, dancing in clubs and pursuing romance in many forms, but most often casual hookups. "Jersey Shore" quickly grew from disposable entertainment to national craze, setting new viewership records and inspiring multiple spinoffs.

Pauly D in Soda City

Taking the stage around 9:15 p.m. — following an opening set by local act DJ Payne that got the crowd going as soon as “Sandstorm” was played — Pauly D was every inch the professional.

Occasionally voicing his trademark “Yeah buddy!” at the crowd’s enthusiasm, the veteran entertainer mostly avoided references to his other career in reality television. This was no celebrity milking his 15 minutes of fame with club appearances, but rather a working professional who knew how to command a stage, how and when to engage with the audience and to get the party started.

Pauly D had been a local club DJ in his native Rhode Island before he was cast on "Jersey Shore." His of "gym, tan, laundry" and the club became a template for the daily routine of the show. MTV aired six seasons of the original series and seven more of its rebooted family vacation incarnation where the older but not necessarily wiser roommates reunite to hash out old business and create new memories.

All the while, Pauly D has kept up his DJ career, opening at one point for Britney Spears.

Thursday night, the tunes came fast and furious. He spun snippets, samples and extended dance remixes of Lady Gaga’s “Just Dance,” La Roux’s “Bulletproof,” Ke$ha’s “Tik Tok,” Nikki Minaj’s “Everybody” and "Moment 4 Life,” J Balvin and Willy William’s “Mi Gente,” Shek Wes’s “Mo Bamba,” David Guetta and Jaden Bosjen’s “Let’s Go,” Lil John’s “Outta Your Mind” and even unexpected oldies like Carrie Underwood’s “Before He Cheats” and Journey’s “Don’t Stop Believin’”.

He played hundreds of other hits that kept the crowd on their feet throughout the 90-minute set, including a few bars of Icona Pop’s “I Love It,” used as the theme for Jersey Shore castmates Snooki and J-Woww’s spinoff series.

The venue joined in the spirit of the evening with Jersey Shore-themed drink specials. For $16 one could enjoy a “GTL Bucket” made with coconut rum, vodka, blue Curacao, pineapple and orange juice, a reference to the daily routine of “gym, tan, laundry” popularized by the roommates. Other cocktails included the “Cabs Are Heah,” essentially a Long Island Tea infused with the DJ’s thick Delaware accent; the Blowout, a rebranded TequilaSunrise named for his signature hairstyle; and the “Fist Pump,” a variation on “Sex on the Beach” which would have worked as well with its original name.

About 75 percent of the audience was female, and only a few seemed to have dressed up like a favorite "Jersey Shore" character. all were well-behaved, and most appeared to be there purely to have a good time.

Pauly D appeared to be having as good a time as anyone there.

“Let’s let ‘em hear this all the way up in Jersey,” he urged at one point.

“South Carolina, I need you to shout this s— as loud as you can” he exclaimed at another, as the familiar rhythm of Queen’s “We Will Rock You” began.

As the crowd jumped, swayed and pumped their fists in the air, the artist encouraged everyone to whip out their cellphones.

“Let’s light this place up with phones,” he suggested.

And indeed, it was lit. Literally and metaphorically.

New eight-story apartment complex proposed for downtown Columbia

A proposed apartment building in downtown Columbia may force No Name Deli to relocate. The mixed-use project aims to provide housing and amenities in the area.COLUMBIA, S.C. — A proposal for a major new apartment building in downtown Columbia could reshape the area, with plans for an eight-story, mixed-use development at the corner of Bull and Elmwood Avenue.The proposed project, which is slated for discussion Thursday at a meeting of ...

A proposed apartment building in downtown Columbia may force No Name Deli to relocate. The mixed-use project aims to provide housing and amenities in the area.

COLUMBIA, S.C. — A proposal for a major new apartment building in downtown Columbia could reshape the area, with plans for an eight-story, mixed-use development at the corner of Bull and Elmwood Avenue.

The proposed project, which is slated for discussion Thursday at a meeting of Columbia’s Planning Commission, would include 288 units and extend from Bull Street to Elmwood Avenue. Several existing buildings would be replaced, including the long-standing No Name Deli, which has been a staple in the area for 40 years. The deli would need to relocate if the project moves forward.

No Name Deli owner Jon Sears expressed gratitude for the restaurant’s loyal customers and its long history in Columbia. “I’m extremely thankful for our customers, and, uh, you know, I mean, this place was built way before me and it’s been, you know, an institution in Columbia for, for many years before, uh, Chris (Davis) and I bought it,” he said. “We’re not going to go into some shiny shopping center, we’re trying to stick to our roots and not changing it up too much.”

RELATED: Columbia’s riverfront is set for a major transformation after years of planning

The proposed apartment building would offer amenities such as a fitness center, swimming pool, dog park, recreational areas, and parking garage, as well as retail and office spaces. Developers indicated in a statement that the location is ideal for young professionals, recent graduates, and families seeking a walkable environment. The site is also located near the Bull Street development, home to the Fireflies stadium, several apartments, and local businesses.

RELATED: Columbia set to double parking fees, extend enforcement hours Monday

Richland County Councilman Don Weaver highlighted the need for more housing in the area. “It's really going to be exciting for folks in that area. The whole Bull Street development, we’ve got the new USC med school going in there, of course we already have the ballpark, a lot of new businesses, so I think this apartment complex is just going to add housing options for folks that want to be downtown in that area,” he said.

For those concerned about lunch plans in downtown Columbia, No Name Deli’s owners have reassured customers that they plan to relocate within two blocks of their current location.

The request for approval of the proposed development will be discussed at the City of Columbia’s Planning Commission meeting on Thursday at 4 p.m. If approved, it remains unclear when construction would begin.

Disclaimer:

This website publishes news articles that contain copyrighted material whose use has not been specifically authorized by the copyright owner. The non-commercial use of these news articles for the purposes of local news reporting constitutes "Fair Use" of the copyrighted materials as provided for in Section 107 of the US Copyright Law.
 Rate And Term Refinance Columbia, SC

Service Areas