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:
To understand the benefits of working with a mortgage broker, you must first understand their role in the home-buying process.
Your mortgage broker is a third party that works to connect you with mortgage lenders. Essentially, a mortgage broker works as an intermediary between a person who wants to buy a home and the entities offering loans to buy a home. The mortgage broker works with both the borrower and lender to get the borrower approved. They also verify and collect paperwork from the borrower that the lender needs to finish a home purchase. Typically, mortgage brokers have relationships with several home loan lenders. Mission One Mortgage, for example, has access to 50 different lenders, which gives us a wide range of home loans in 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.
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:
Conventional loans can be used to purchase a new home or refinance your current one. Conventional loans include fixed-rate mortgages and adjustable-rate mortgages. Generally, borrowers must put down a 3% down payment for owner-occupants, 10% for a vacation property, and 20% for an investment home. If you are able to pay 20% of the total cost of the home, you can avoid private mortgage insurance, which is otherwise required. Conventional mortgages are often preferred by buyers with good credit or people needing a non-owner-occupied mortgage.
FHA mortgages are issued by the U.S. government and backed by the Department of Housing & Urban Development (HUD). This loan is often preferred by first-time homebuyers because it only requires a 3.5% down payment and offers more flexibility with credit requirements and underwriting standards. FHA loans have several requirements you must meet to qualify. Contact Mission One Mortgage today to learn more about FHA loans and whether or not they're best for your financial situation.
Also backed by the government, these loans are insured by the U.S. Department of Agriculture and don't require money down. These loans have lower insurance requirements when compared to FHA loans, offer 100% financing if you qualify, and allow for closing costs to be covered by the seller. In order to qualify for a USDA loan, you must live in a rural area, and your household income must meet certain standards. These loans are often preferred by low-income citizens who live in rural parts of South Carolina.
Also known as VA or Veteran's Affairs loans, these mortgages are reserved for the brave men and women who served in the military. VA loans help provide our military members, veterans, and their families with favorable loan terms and an easy home ownership experience. Often, those who qualify are not required to make a down payment on their home. Additionally, these loans often include less expensive closing costs.
If you are a veteran or the family member of a veteran, contact Mission One Mortgage today to speak with our Vetted VA Professional, Debbie Haberny. Debbie helps our military members, veterans, and their family members obtain home loans utilizing veteran benefits and would be happy to help as you search for a home.
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:
Q. My brother-in-law recently refinanced his home in South Carolina. What is refinancing, and should I consider refinancing my home too?
A. Refinancing your home basically means you're swapping your current mortgage for a new one, most often with a lower interest rate. If you would like to reduce the term of your loan, lower your monthly mortgage payments, or consolidate debt, refinancing may be a smart option. Many homeowners also choose to refinance if they want to switch from adjustable-rate mortgages to fixed-rate mortgages or to get cash back for home renovations. To learn whether refinancing is a viable option for your situation, contact Mission One Mortgage ASAP, as loan rates change frequently.
Here at Mission One Mortgage, we believe that the best communities begin with the dream of home ownership. Our mission is to make those dreams come true, with personalized service, expert guidance, and good old-fashioned hard work. As one of the most trusted mortgage companies in 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.
CHARLESTON, S.C. (WCBD) – Grab a cup of hot chocolate and turn the Christmas tunes on the radio – there are several options for checking out Christmas lights beyond your neighborhood.Enjoy a night with friends and family as you drive through bright shining lights on display in Moncks Corner, North Charleston, Cottageville, and the largest drive-thru holiday light event at James Island County Park. ...
CHARLESTON, S.C. (WCBD) – Grab a cup of hot chocolate and turn the Christmas tunes on the radio – there are several options for checking out Christmas lights beyond your neighborhood.
Enjoy a night with friends and family as you drive through bright shining lights on display in Moncks Corner, North Charleston, Cottageville, and the largest drive-thru holiday light event at James Island County Park.
Holiday Festival of Lights – James Island County Park871 Riverland Dr, Charleston
A trip to the Holiday Festival of Lights at James Island County Park is a Christmas-time tradition filled with thousands of dazzling lights and displays.
Guests are invited to drive along a three-mile stretch lined with more than 700 light displays each night through December 31. A stop at Winter Wonderland – about halfway through the drive – gives you an opportunity to stretch your legs and view the area’s largest holiday sand sculpture.
You can view shops, search for gifts, or enjoy sweet treats or a cup of hot chocolate. Hop on a train ride for a fun look at light displays or take a stroll through the Enchanted Walking Trail for a fun look at nature-themed light displays.
Santa Claus will meet children each night from November 21 – December 23. Plus, enjoy an array of large greeting cards decorated by students from across the Charleston area.
Ticket prices on a regular night will cost $15 per vehicle if purchased online at HolidayFestivalofLights.com or $20 at the gate. Peak night prices increase to $25 per vehicle online and $30 at the gate.
The 33rd Annual Holiday Festival of Lights is open every evening from November 11 through December 31 from 5:30 p.m. until 10:00 p.m.
The Lights at Park Circle4800 Park Circle, North Charleston
Pack up the car and take a drive or go for a relaxing stroll around North Charleston’s Park Circle to see dozens of Christmas light displays.
Trees, lights, and displays will be shining bright around the circle at the Felix C. Davis Community Center.
City leaders say the lights will shine until New Year’s Day. There is no fee to enjoy the lights.
Bee City Zoo’s Christmas Wonderland of Lights1066 Holly Ridge Ln. Cottageville, SC 29435
On select nights in November and December, guests can enjoy a combination of animals and Christmas lights at Bee City Zoo’s Christmas Wonderland of Lights festival.
Santa Claus will make a special appearance during some nights of the event for a photo opportunity.
Those attending can also attend an ‘Australian Walkabout’ which is included in the price of admission. And for some additional costs, you can enjoy roasting s’mores, ornament decorating, grabbing a cup of hot chocolate, or feeding animals during the festival.
Admission is $12 or you can purchase a combo pass which includes day access to the zoo and entry to the lights at $20. Click here to learn more.
Holiday Lights Driving Tour – Old Santee Canal Park900 Stoney Landing Rd, Moncks Corner
Celebrate the season with family and friends on a driving tour filled with sparkling Christmas lights and displays at Old Santee Canal Park powered by Santee Cooper.
The event runs each night from 6:00 p.m. until 9:00 p.m. from November 25 – December 30. It will be closed on Christmas Eve and Christmas Day.
Admission to the event is $5 per vehicle. Proceeds benefit local charities.
Guests will enter the Holiday Lights Driving Tour at 1 Riverwood Drive in Moncks Corner.
“The beautiful LED lighting displays are powered by 100% Santee Cooper Green Power, which is Green-e Energy certified and meets the environmental and consumer-protection standards set forth by the nonprofit Center for Resource Solutions,” organizers said.
Santee Cooper is also inviting guests to attend its two-night event ‘Holiday in the Park’ on November 24 and 25. You’ll have the chance to meet Santa Claus, enjoy crafts, roast marshmallows, and sample some seasonal foods.
“This event is included with admission to Holiday Lights Driving Tour, which runs through Dec. 30, so you can start your holiday season early at this fun-filled meetup,” said organizers.
To learn more or purchase tickets online, please click here.
Cougar Night Lights – The College of CharlestonNear the corner of George and St. Philip Streets
A holiday tradition that brings a fun and dazzling light show to the College of Charleston’s Cistern Yard and Randolph Hall will light up with the spirit of the season each night, offering a holiday light show featuring festive music and visual performances each half-hour from 6:00 p.m. until 9:00 p.m.
The display will be open to the public beginning December 1 through January 2. It is free to view and this year’s show will include new music and lighting displays.
Visitors can find the Cistern Yard at the corner of George and St. Philip Streets. Public parking garages are available at two nearby locations – the George Street Garage and the St. Philip Street Garage.
Did we miss something? Email us with details about a local Christmas light show.
COTTAGEVILLE, S.C. (WCBD) – A problem with a septic tank may force a small business in Coll...
COTTAGEVILLE, S.C. (WCBD) – A problem with a septic tank may force a small business in Colleton County to close its doors for good.
David Stanfield and his wife opened Red Brick Pizza in Cottageville a few years ago. But they may have to close their business after South Carolina’s lead health agency, the Department of Health and Environmental Control, said their septic system is not fit for the job.
“Almost two years ago we started, and almost immediately DHEC jumped on my back,” said Stanfield. “In March of last year, we started takeout only, but in March I contacted them about opening a 12-person dining room. They said yes, you can open it.”
A month later, Stanfield said he was told that could not have a dining room.
“I asked them about the tables out front – I had four picnic tables out front – they said you can have all the picnic tables you want, so we built a patio which has a bunch of outside tables. And then five months later, during another inspection, and we’ve gone through eight in one year, during another inspection they said you can’t have these outside tables. I said, well, you told us we could.”
DHEC told Stanfield that his septic tank was too small, and he was given a ‘shut door’ order.
“Two months ago, I went before the council- I begged them, I said my septic system has never overflowed, it’s never had a problem, and they said you have 60 days to put this monstrosity in back here.”
His customers were outside protesting on Tuesday while raising money to help keep them in business.
Stanfield began installing the large septic system. He says he has now spent $51,000 on the project. But his business only makes about $800-$1,000 on a good week. So, he believes he will now have to just shut down.
Stanfield eventually put a water meter on his property after a suggestion from a neighbor to see how much water was being used each day.
“Our water meter shows that we use 350 gallons per night, my existing system will do 450 gallons and they’ve got me putting in the system it will do 1,500 gallons per night which is just crazy. They’ve bankrupted me. They’ve taken every dime that we have, and we don’t even have money to open for food this week.”
DHEC sent News 2 a statement saying Stanfield was not in compliance with his DHEC permit when he moved from take-out only to restaurant seating.
“Mr. Stanfield did not dispute the grounds for suspension but requested the suspension be rescinded because he was diligently working on gaining compliance with DHEC regulations,” the statement said. “Failure to install the upgraded system would not lead to closure of the facility but would result in the return to the original food service operation as approved and permitted by DHEC.”
“I don’t understand this because, you know, America is known for if you put everything into – whatever your dream is – you can get it accomplished and they are burying us alive,” said Heike Stanfield, Co-Owner, Red Brick Pizza.
Stanfield said they were last open on Saturday. But unless a miracle happens, he believes they may not be able to re-open again.
The matter was discussed during a DHEC board meeting on May 5, 2022 with the restaurant’s owner in attendance – a motion was made about two hours and thirty-three minutes into the meeting, following an executive session. You can watch that hearing by clicking here.
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.
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.
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 email@example.com with story ideas.