Mortgage Broker in Cottageville, 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 Cottageville, 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 Broker Cottageville, SC
 Mortgage Company Cottageville, 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.

 Mortgage Lending Service Cottageville, SC
 Refinancing Cottageville, 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 Cottageville, 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 Cottageville, 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
 Refinances Cottageville, SC

Latest News in Cottageville, SC

Deputies make arrests after body found in Cottageville woods

Deputies make arrests after body found in Cottageville woods where hunter went missingCOLLETON COUNTY, SC (WCSC) - Investigators have made a number of arrests after a body was found in the woods in Cottageville in the same area where a hunter went missing.The Colleton County Sheriff’s Office says 25-year-old Schuyler Rene Andrulat of Cottageville and 33-year-old Nathan Baughman of Summerville have been charged with obstruction of justice. According to court records, the charges against Andrulat were dismissed and expunged...

Deputies make arrests after body found in Cottageville woods where hunter went missing

COLLETON COUNTY, SC (WCSC) - Investigators have made a number of arrests after a body was found in the woods in Cottageville in the same area where a hunter went missing.

The Colleton County Sheriff’s Office says 25-year-old Schuyler Rene Andrulat of Cottageville and 33-year-old Nathan Baughman of Summerville have been charged with obstruction of justice. According to court records, the charges against Andrulat were dismissed and expunged.

A third man, Brad Skipper, has also been charged with an outstanding warrant from Colleton County.

The body was found around 8 p.m. on Thursday in a wooded area off Red Oak Road, the same area where a hunter went missing last Friday

The sheriff's office says the missing hunter was staying with friends who waited until Sunday to report him missing.

The coroner is doing an autopsy to determine the cause of death and identify the body.

The arrests stems from an incident that began on Aug. 21 when a Colleton County deputy responded to a home on Peirce Road in reference to a missing person.

The deputy spoke to Andrulat who said a friend of hers, Orin Patrick, had come to her home to go hunting Friday evening.

According to a report, Andrulat said she dropped Patrick off along the woodline on Peirce Road with a shotgun.

"Andrulat stated that several hours later, she received a call from Patrick stating that he was lost in the woods and he wanted her to drive along the road and beep the horn so that he could find his way back to the road again," the report states.

Andrulat told investigators that she did this around 9 p.m. on Friday but could not find him.

According to authorities, Andrulat said she received another call from Patrick that only last a few seconds and had since been unable to reach him through his phone again. Andrulat told deputies that she did not know any more information about Patrick.

In the incident report, the responding deputy reported that when he first met with Andrulat, she was unable to give any information about Patrick. The deputy then told Andrulat to get in contact with some of Patrick's friends or family so that he could get enough information to do a report.

Authorities also spoke with Patrick's friend, Baughman, who told investigators over the phone that he and Patrick had been staying at a home on Lakeview Drive in Summerville.

Baughman said the last time he saw Patrick was on Aug. 19, but was unsure of the time "because they had both been drinking so he did not remember much about that day."

The incident report states Baughman told investigators that this was not the first time Patrick had just "gone away, but it has never been for this long and never without making contact with him."

Detectives reported that they had Patrick's cell phone pinged to find the last location for it which was in Summerville.

Copyright 2016 WCSC. All rights reserved.

SC Highway Patrol trooper accused of biting 2-year-old, SLED says

A South Carolina highway trooper was arrested and charged with cruelty to children after he allegedly bit a 2-year-old’s cheek hard enough to leave a mark, according to the South Carolina Law Enforcement Division.SLED announced the arrest in a statement Tuesday. While the warrant provides few details, it states that Jesse Brassell, 23, admitted on Sept. 20 that he intentionally bit the child’s cheek in Cottageville, South Carolina.In...

A South Carolina highway trooper was arrested and charged with cruelty to children after he allegedly bit a 2-year-old’s cheek hard enough to leave a mark, according to the South Carolina Law Enforcement Division.

SLED announced the arrest in a statement Tuesday. While the warrant provides few details, it states that Jesse Brassell, 23, admitted on Sept. 20 that he intentionally bit the child’s cheek in Cottageville, South Carolina.

In a statement, SLED said the Colleton County Sheriff’s Office asked it to investigate the incident. The child, whose name and gender are not included in the warrant, suffered a bite mark on the right cheek, according to the warrant.

Brassell was employed by the Highway Patrol for approximately 27 months, according to a statement from the Department of Public Safety, which oversees highway patrol.

“He had been under suspension without pay since September 22, 2023, the date the allegation was brought to our attention,” according to a statement from the department. Brassell, who held the rank of trooper first class, officially resigned from the agency on Dec. 15, 2023.

During his time as a highway patrolman, Brassell was assigned to Post B of Troop 6, which covers Beaufort, Berkeley, Charleston, Colleton, Dorchester and Jasper counties. A roster for a basic training graduating class released by the Highway Patrol listed his hometown as Summerville, South Carolina.

Brassell was charged under South Carolina’s cruelty to children statute. Under the law, it is a misdemeanor for a parent, guardian or anyone who has “charge or custody” of a child to inflict “unnecessary pain or suffering” or to deprive the child of “necessary sustenance or shelter.”

Brassell was booked at the Colleton County Detention Center. Records from the jail state that he received a $200 bond by Associate Chief Magistrate Sophia T. Henderson.

The case will be prosecuted by the 14th Circuit Solicitor’s Office Public Integrity Unit, according to SLED. The unit, which is a collaboration between the 14th and 1st Circuit Solicitor’s Offices, investigates officer involved shootings, public corruption and other use of force cases across both circuits.

Large tornado spotted west of Cottageville headed toward Summerville

Damage reports from a tornado spotted west of Summerville early Monday morning still coming in, but it appears no fatalities have been reported.A tornado warding has since expired, but according to The National Weather Service in Charleston at 7 a.m. a confirmed large and extremely dangerous tornado was located just west of Cottageville, moving east at 50 mph.Emergency dispatchers reported many downed trees and some power outages west of Summerville in the Jedburg area. Fire alarms also have been reported, but no fire damage ha...

Damage reports from a tornado spotted west of Summerville early Monday morning still coming in, but it appears no fatalities have been reported.

A tornado warding has since expired, but according to The National Weather Service in Charleston at 7 a.m. a confirmed large and extremely dangerous tornado was located just west of Cottageville, moving east at 50 mph.

Emergency dispatchers reported many downed trees and some power outages west of Summerville in the Jedburg area. Fire alarms also have been reported, but no fire damage has yet been reported.

This is a developing story.

Local artist Lori Zareski’s artwork can be seen locally at ART on the Square Gallery in Nexton Square. In addition, she is also a collector of antiques, so she has a booth at Vintage Vibes at 200 N. Main St. in Summerville as well.

ART on the Square will have a general open artists reception for all its artists from 5-8 p.m. Friday, Jan. 5. If you have never seen the gallery, you must go, as there is so much talent on those walls. While I have profiled several of its artists, I still have more to consider profiling in the future, as I do for those at the Public Works Art Center.

Regan: Lori, how did you get started in art? Did you attend college for art, or are you self-taught?

Zareski: I am mostly self-taught, although I took advertising and design classes at Russell Sage College in New York. It gave me enough background to design logos and ad copy for some local businesses. After that, I began painting murals and trompe l’oeil in homes and businesses. The challenge for me after that has been to condense my artwork onto canvasses and jackets.

R: What medium do you work in most and why? What’s your favorite type of item to create?

Z: I only use acrylic mainly because it is easily manipulated to resemble watercolor or alcohol ink, and it is fast drying. I am very impatient. My favorite thing is accepting commissions that challenge me to think outside the box. I have painted on everything, including walls, furniture, clothing and even hubcaps.

R: What got you into antiques and collectibles?

Z: I bought my first antique at 13 years old. It was a caned rocking chair I still own. My parents took me throughout New York and New England in search of treasures. Because of these adventures, I began crafting what I call “Salvage Art.” It resembles a sort of “I Spy” puzzle. I mostly use a band saw to prepare the wood pieces (chair parts, rulers, croquet mallets, etc.) that make up the assemblages, and then I add a painted canvas to complete the piece. If you look closely enough, you will find some vintage trinkets attached to many of my paintings.

R: Aside from the gallery and the antique store, are you also involved with groups like the Summerville Artist Guild?

Z: I do not belong to any guild or group because we have been traveling for the past few years to care for family. Joining a group is on my to-do list for 2024.

R: Have you ever taught art workshops or classes? Is that something you would like to do?

Z: I have not taught any professional classes yet, but I do tutor numerous friends in painting backgrounds with acrylics. I am trying to work out the details for a workshop this summer at the gallery.

R: You love the 1980s New York street artist Jean-Michel Basquiat. What is it about his work that draws you in?

Z: I attended college in the early 1980s, and the avant-garde style was everywhere. Street art was just becoming mainstream, and I quickly became a fan of his work, not just for the messaging and content but for his freedom of color and mark-making. I feel that freedom when I paint denim jackets. I recently painted vintage album covers on denim for customers. It has been fun to revisit that era.

R: What is coming up for you?

Z: I am always striving to get looser in my artwork, as my background in advertising makes my work more like illustrations. I have some new pieces coming in neutral colors, which is new because I tend to use every color in the crayon box whenever possible. The flea market season has ended for this year, but I will apply again for next year’s shows. I will create a website to sell my custom jackets, but you can always find my work in Summerville and on Instagram.

Visit www.ArtontheSquare.gallery/Lori-Zareski/ or @lorizart_paintsinsc on Instagram for more information.

Mary E. Regan is a guest columnist for the Journal Scene and a freelance publicist with her propublicist.com consultancy. She is always seeking new publicity clients and writing projects. Email mary@propublicist.com with story ideas.

Greater Cottageville Chamber of Commerce ready to thrive

Cottageville residents have seen change in their community in the last few years, and now the Greater Cottageville Chamber of Commerce is ready to encourage more improvements.Frank Santorella, a resident of Cottageville, said he is proud of the small town and wants to showcase its beauty, friendly people, and excellent location.“We want to create a chamber of commerce here. We already have a 501-3C non-profit status, Maryann Blake is serving as our attorney, and we are ready to roll,” said Santorella. “We have...

Cottageville residents have seen change in their community in the last few years, and now the Greater Cottageville Chamber of Commerce is ready to encourage more improvements.

Frank Santorella, a resident of Cottageville, said he is proud of the small town and wants to showcase its beauty, friendly people, and excellent location.

“We want to create a chamber of commerce here. We already have a 501-3C non-profit status, Maryann Blake is serving as our attorney, and we are ready to roll,” said Santorella. “We have ‘Friends of the Park’ which is comprised of people who helped develop the park into what it is now.” He says there are also plans at the park to install a memorial with engraved bricks to honor veterans. This will be accomplished by applying for grants and accepting donations.

Santorella, who plans to initiate the chamber, will serve as a temporary director. He says he already has seven merchants who are interested in joining.

“We want to make Cottageville a destination. Red Brick Pizza and Beer Garden is the anchor store for starting the chamber,” said Santorella. “It’s a one-of-a-kind business in the entire region. Once the chamber officially opens, we want to pick a member of the chamber and promote that business each week, and once a month promote everyone. There will be a rotation, and this will be good for everybody.”

He went on to say that the brick-and-mortar stores are the life of Cottageville, not the transient businesses. He feels that transient businesses will not want to invest their funds in the chamber, but the stationary businesses are here to stay.

“I think the people of Cottageville will be positively affected by the chamber and will accept it with open arms. Hopefully, this will bring even more businesses our way. Our only option now is to travel to Summerville or Walterboro to purchase some items. That’s between 15 to 20 miles away. Cottageville has a lot of people in the rural areas, and though our local gas stations try hard to serve the needs of the community, it would be nice to have boutique shops here. We already have a new vape store that has a coffee bar. So we are starting off well,” said Santorella.

He is hoping to have the new chamber up and running by the end of the first quarter of 2022.

“There will be a fee for stores to become part of the chamber,” said Santorella, who gathered ideas and patterned the Cottageville chamber after the City of Walteboro’s. “I received ideas on how to structure the fees. They won’t be impressive because social media provides a lot of free advertising. We will have a website and newsletter for the community. We will be out there,” he added.

Anyone interested in joining the new chamber can write to: Greater Cottageville Chamber of Commerce, P.O. Box 464, Cottageville, SC, 29435. Businesses can also contact Santorella on Facebook at Friends of the Park or call The Vape Stop at 843-701-4262.

Ex-Cottageville mayor explains decision to resign

COTTAGEVILLE, SC (WCSC) – A day after resigning as the mayor of Cottageville, George White explained his decision Thursday."When I got in there I knew I had a fight on my hands," White said.And after almost four years in office, White has called it quits."It's time for someone else to come up with some solutions," White said. "I presented everything I could."White said when he first took office, traffic tickets were missing, seized money and drugs were gone and the town was hund...

COTTAGEVILLE, SC (WCSC) – A day after resigning as the mayor of Cottageville, George White explained his decision Thursday.

"When I got in there I knew I had a fight on my hands," White said.

And after almost four years in office, White has called it quits.

"It's time for someone else to come up with some solutions," White said. "I presented everything I could."

White said when he first took office, traffic tickets were missing, seized money and drugs were gone and the town was hundreds of thousands of dollars in debt.

He worked out a payment plan with the state treasurer's office and tried to find new ways to make money.

"I've tried to get a development agreement through,l a zoning ordinance through, and I've just been met with resistance," White said.

White cut his salary from $400 dollars a month to $20 dollars a month and cut council members to $10 dollars a month. Meanwhile, White said his family had to deal with dirty political smears.

"Personal attacks, articles in the newspaper just berating me," White explained. "They came out with a supposed affair between a former clerk and myself and mismanagement of funds for trips."

This January, when the new council was seated, White said bad turned worse.

"I've been dealing with this council for nine months and we've done nothing but fire our town clerk in nine months," White said.

He said the council's response to his ideas was usually "no comment," and the last straw was when a proposal for a new grocery store and two green industries was denied.

"They just do not want to accept new growth in Cottageville," White said.

Without growth and revenue the town could die and White said that is the council's plan.

"In fact, the mayor that's seated now signed a petition to do away with Cottageville," White said. "If you're on the inside it's a whole lot easier to get your agenda met."

While White was mayor he says his business suffered and so did his family. So now he is done.

"I pretty much threw up my hands," White said. "I knew we were not going forward."

Copyright 2010 WCSC. All rights reserved.

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.