Few purchases give you a sense of pride and accomplishment like buying a new home. From white picket fences and lush green grass to cookouts with neighbors and holidays with the family, owning a home is magical. Like most great things, though, enduring the home-buying process takes a lot of work. There are many steps to take and difficult decisions to make along the way. One of the most crucial decisions is what type of home loan and mortgage broker to choose. Whether it's your first time buying a home or you're a seasoned owner with multiple properties, you will need a trusted mortgage broker in Daniel Island, SC, with your best interests at heart.
If you're like most people, you need a mortgage professional whose top priority is their customers - an expert who can provide accurate advice and guidance so you can make educated decisions. That's where Mission One Mortgage comes into the picture.
Whether you want the best interest rates or don't know where to start in the home-buying process, Mission One Mortgage can set you up in the right direction. From getting you pre-qualified to buy a home to securing a veteran's loan, Mission One Mortgage is the trusted solution you need. As Daniel Island natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Daniel Island, SC, we bring years of high-level experience and insight to the table. Having worked with hundreds of clients during our time in business, we know you're probably going through a range of emotions right now. Buying a new home can be a scary process, especially for first-time buyers. That's why we make every effort to make ourselves accessible and available for clients. Our primary goal is to help you make the right mortgage for your family and your budget.
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:
Most people simply don't have access to the hundreds of thousands of dollars needed to purchase a home with cash. Instead, they take out a mortgage loan to buy a home. Unfortunately, many homebuyers are anxious to get the ball rolling and, due to their excitement, fail to shop around for the best mortgage rates. To some degree, avoiding this step makes sense, as it requires a lot of legwork and research to get the job done. For those not wanting to spend hours researching a reasonable mortgage, there's an alternative to consider - working with a mortgage broker.
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 Daniel Island, 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:
Most people choose to use a mortgage broker because they have access to different lenders and interest rates. But a great mortgage broker brings more to the table than a choice of lenders.
Save You from Unneeded Stress:One of the biggest advantages of hiring a mortgage broker is that they can find and vet loans while managing the mortgage process on your behalf. The best mortgage companies, like Mission One Mortgage, hire brokers who are experts at keeping underwriting on track, coordinating with relevant parties, and handling all paperwork involved. At the end of the day, mortgage brokers save you stress and time and often expedite the closing process.
More Access: We touched on this earlier, but it bears repeating: A mortgage broker provides access to a range of loans, rates, and lenders. In fact, many mortgage brokers can get rates lower than what the average person could get from a lender.
Save You Money: There's a chance that your mortgage broker can get your mortgage fees reduced or waived by the lender, which could save you a good deal of money.
Help with Unfavorable Financial Situations: Expert mortgage brokers can often assist in challenging financial situations, like when a buyer has inconsistent income or less-than-perfect credit. Experienced brokers, like those at Mission One Mortgage, are often aware of lenders willing to will work with nontraditional borrowers.
Provide Key Insights: Mortgage brokers share important insights, such as your chances for a home loan approval and exactly how much house you can afford. They can also save you from making costly mistakes based on their years of expertise in the mortgage industry.
While settling on the best type of home loan isn't as exciting as searching for the home of your dreams, it's equally important. Yes, your Mission One Mortgage loan officer in Daniel Island, SC, will be happy to help explain the differences between home loans. But understanding the basics ahead of time will save you stress and time in the long run.
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.
Do you have questions about the complexities of mortgages and home loans? As your advocate, Mission One Mortgage is here to answer any questions you have about mortgages and the home-buying process. We encourage you to call our office to speak directly with one of our mortgage experts or continue reading below for answers to some frequently asked questions.
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 Daniel Island, 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 Daniel Island, 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.
Novant Health broke ground on July 1 for a new freestanding emergency department on Clements Ferry Road, bringing fast, high-quality emergency care closer to home for residents of Daniel Island and the greater Charleston, South Carolina region.The new facility, located just minutes from I-526, is designed to enhance access to emergency medical services in one of the area’s fastest-growing communities. Clements Ferry Emergency Department will serve as a critical access point for emergency care and seamless connection to Novant He...
Novant Health broke ground on July 1 for a new freestanding emergency department on Clements Ferry Road, bringing fast, high-quality emergency care closer to home for residents of Daniel Island and the greater Charleston, South Carolina region.
The new facility, located just minutes from I-526, is designed to enhance access to emergency medical services in one of the area’s fastest-growing communities. Clements Ferry Emergency Department will serve as a critical access point for emergency care and seamless connection to Novant Health’s broader network of hospitals and specialists in the Carolinas.
The new emergency department will span more than 10,000 square feet and include 10 private exam rooms, one trauma bay, advanced radiology (CT, ultrasound, and X-ray) and an on-site laboratory. The facility will operate 24/7 and be staffed by board-certified emergency medicine physicians and skilled clinical teams, offering the same trusted care patients receive at Novant Health East Cooper Medical Center.
“Expanding access to care is a top priority for Novant Health, and this new emergency department is a key step forward,” said Kirsten Royster, president of Novant Health in Charleston. “We’re building facilities that meet our patients where they are, making sure families across the tri-county can get the emergency care they need, closer to home and without delay.”
Designed for efficiency, accessibility and patient comfort, the Clements Ferry Emergency Department will feature dedicated parking and easy walk-in access, making it faster and easier for patients to receive timely care during critical moments.
“You can look around this part of Charleston and see how quickly our community is growing, and that means greater need for emergency care,” said Sarah Tuley, president of East Cooper Medical Center. “This new emergency department will reduce travel time, ease overcrowding and help ensure that lifesaving care is available right here, when and where people need it most.”
DI chiropractor enters 25th year caring for Charleston Battery playersLongtime Daniel Island resident Dr. David Theobald of Theobald Family Chiropractic returns as the official chiropractor for the Charleston Battery soccer team for the 25th year.Dr. Theobald will provide chiropractic care to players before all home matches. Players will also be seen in his Mount Pleasant office.“It is an honor to care for these professional athletes and be part of the team that keeps them on the field,” Dr. ...
DI chiropractor enters 25th year caring for Charleston Battery players
Longtime Daniel Island resident Dr. David Theobald of Theobald Family Chiropractic returns as the official chiropractor for the Charleston Battery soccer team for the 25th year.
Dr. Theobald will provide chiropractic care to players before all home matches. Players will also be seen in his Mount Pleasant office.
“It is an honor to care for these professional athletes and be part of the team that keeps them on the field,” Dr. Theobald said. “I have learned an incredible amount about sports injury and rehabilitation caring for these players for a quarter of a century.
“It has been extremely helpful in my everyday practice; in fact, there are not many injuries that I have not been exposed to.”
Battery player Aaron Molloy said, “The chiropractic adjustments that I receive from Dr. Theobald help me avoid injury, increase my flexibility, and I find I recover faster.”
DI business owner accepted into Forbes Business Council
Raj Tulshan, founder and CEO of Daniel Island-based Loan Mantra, an online business lending platform, will join the Forbes Business Council, a growth and networking organization for successful business owners and leaders worldwide.
A review committee selected Tulshan based on criteria that included the depth and diversity of experience, a track record of impacting business growth metrics, as well as personal and professional achievements and honors.
As a member of the council, Tulshan has access to a variety of opportunities designed to help reach peak professional influence. The council allows him to connect and collaborate with other leaders in a private forum, plus the opportunity to share his insights in original articles and contribute to published expert panels alongside other business leaders on Forbes.com.
“It is such an honor to be part of the Forbes Business Council and collaborate among other professional leaders to share insights, knowledge, and ideas,” Tulshan said. “My thoughts have been shared as part of Forbes Business Council panels in recent articles on small business expansion and leveraging LLMs in marketing strategy, and I couldn’t be more thrilled.”
SC Chamber advocacy efforts
The South Carolina Chamber of Commerce released its annual Results for Business report that recaps its advocacy efforts during the 2025 state legislative session.
According to the chamber’s report, its advocacy efforts resulted in over an $807 million impact for South Carolina’s business community, or about $4,275 per employer in the state.
“The chamber has set forth an aggressive agenda to help our businesses and stimulate South Carolina’s economy, and we made tremendous progress in the first year of this legislative session,” said chamber president and CEO Mike Brenan. “With the help of the forward-thinking leadership in the General Assembly, we were able to deliver relief from a broken civil justice system that cost our businesses and families millions of dollars each year, significant tax cuts, confidence in the future of the state’s energy grid, and technical college scholarships for the most critical jobs.”
Brenan, in the chamber’s press release, added, “These policies will undoubtedly make South Carolina an even better state for business. We appreciate the opportunity to represent the interests of South Carolina’s job creators and will work collaboratively with the General Assembly to deliver even more pro-business wins in 2026.”
The report can be viewed at scchamber.net/general/2025-results-for-business.
- Staff reports compiled by Suzanne Detar
CHARLESTON, S.C. – Novant Health broke ground for a new freestanding emergency department on Clements Ferry Road, bringing fast, high-quality emergency care closer to home for residents of Daniel Island and the greater Charleston, South Carolina region.The new facility, located just minutes from I-526, is designed to enhance access to emergency medical services in one of the area’s fastest-growing communities. Clements Ferry Emergency Department will serve as a critical access point for emergency care and seamless connecti...
CHARLESTON, S.C. – Novant Health broke ground for a new freestanding emergency department on Clements Ferry Road, bringing fast, high-quality emergency care closer to home for residents of Daniel Island and the greater Charleston, South Carolina region.
The new facility, located just minutes from I-526, is designed to enhance access to emergency medical services in one of the area’s fastest-growing communities. Clements Ferry Emergency Department will serve as a critical access point for emergency care and seamless connection to Novant Health’s broader network of hospitals and specialists in the Carolinas.
The new emergency department will span more than 10,000 square feet and include 10 private exam rooms, one trauma bay, advanced radiology (CT, ultrasound, and X-ray) and an on-site laboratory. The facility will operate 24/7 and be staffed by board-certified emergency medicine physicians and skilled clinical teams, offering the same trusted care patients receive at Novant Health East Cooper Medical Center.
“Expanding access to care is a top priority for Novant Health, and this new emergency department is a key step forward,” said Kirsten Royster, president of Novant Health in Charleston. “We’re building facilities that meet our patients where they are, making sure families across the tri-county can get the emergency care they need, closer to home and without delay.”
Designed for efficiency, accessibility and patient comfort, the Clements Ferry Emergency Department will feature dedicated parking and easy walk-in access, making it faster and easier for patients to receive timely care during critical moments.
“You can look around this part of Charleston and see how quickly our community is growing, and that means greater need for emergency care,” said Sarah Tuley, president of East Cooper Medical Center. “This new emergency department will reduce travel time, ease overcrowding and help ensure that lifesaving care is available right here, when and where people need it most.”
The facility builds on Novant Health’s commitment to building healthier communities and expanding services across the Charleston area, complementing recent investments in women’s health, primary care and specialty care offerings throughout the region.
Construction is expected to be completed in late summer of 2026.
About Novant Health
Novant Health is an integrated network of nearly 900 locations, including 19 hospitals, more than 750 physician clinics and urgent care centers, outpatient facilities, and imaging and pharmacy services. This network supports a seamless and personalized healthcare experience for communities in North Carolina and South Carolina. Novant Health is nationally recognized for our unwavering commitment to safety and the highest quality care, and we serve as a catalyst for healthcare transformation through clinical trials, leading-edge research, innovative care delivery models and robust virtual care networks. The expertise and empathy of our more than 41,000 team members along with more than 8,600 independent and employed clinicians are at the heart of Our Cause as industry leaders caring for communities across the Carolinas. In 2024, Novant Health provided more than $1.6 billion in community benefit, including financial assistance and services.
For more information, visit NovantHealth.org. Follow Novant Health on Facebook, Instagram, X and LinkedIn.
DI Publix construction is ‘moving along’Construction on the Daniel Island Publix, the island’s only supermarket, is progressing with no reported delays or issues, according to Publix media relations manager Jared Glover.“Things are moving along as planned, and we look forward to welcoming back our customers, and new customers, soon.” Glover said.With the reopening of the grocery store slated for later this year, The Daniel Island News asked Publix officials if crews have exp...
DI Publix construction is ‘moving along’
Construction on the Daniel Island Publix, the island’s only supermarket, is progressing with no reported delays or issues, according to Publix media relations manager Jared Glover.
“Things are moving along as planned, and we look forward to welcoming back our customers, and new customers, soon.” Glover said.
With the reopening of the grocery store slated for later this year, The Daniel Island News asked Publix officials if crews have experienced any unanticipated technical or foundational challenges during construction.
“While we understand the excitement for the store reopening, it is not our practice to give continuous updates throughout the process,” Glover said. “Security, safety among other reasons. While things are moving as planned, there are a number of variables that can impact construction timelines for our locations, including contractors, supplies, and weather-related issues.
“That being said, it would be inappropriate to share specific timelines.”
The new structure, located at 162 Seven Farms Drive, has been taking shape over the past few months since its closing on Dec. 24 of last year for demolition.
Once completed, the store will be nearly double in size, from 29,030 to 50,398 square feet. The store will offer an expanded selection of groceries and services, a pocket park, a pavilion, outdoor seating, and native landscaping at the entrance.
No e-bikes allowed on Daniel Island trails
The Daniel Island Property Owners Association recently installed signs at several trailheads around the island reminding people to keep e-bikes off the trails.
“As part of our ongoing commitment to maintaining a safe and enjoyable trail system for all users, the DIPOA recently installed additional signage reinforcing the existing policy that e-bikes are not permitted on our trail system,” said the POA’s director of operations Tony Elder.
The 12 new signs were placed at key trail entryways to enhance awareness and encourage voluntary compliance, Elder said.
“Our goal is to work collaboratively with the community to preserve the integrity of our magnificent trail network and ensure its continued enjoyment for everyone.”
Greek cuisine coming to Point Hope
Greek restaurant Philosophia is set to open in The Gates at Point Hope, next to the Roper St. Francis primary care clinic.
Owned by Justin Hunt and Dimitri Hatgidimitriou, the restaurant is looking to open its doors in the first quarter of 2026, according to Meyer App Associates.
Operated by TYSM Hospitality Group, Philosophia will offer Mediterranean dishes like spanakopita, Greek salads, local fish dishes, roasted chicken, and braised lamb shank.
The restaurant has two other locations in Mount Pleasant.
Unified BE kickball game promotes inclusion
On May 2, Bishop England High School hosted an Options Unified PE game of kickball against James Island Charter High School.
Unified sports bring together athletes with and without intellectual disabilities, to foster inclusion and acceptance through collaborative sports.
Friends, family, and community members gathered on the BE track field to support the players.
“It was a fun game playing against the Trojans,” said BE player Michael Teeple. “Even though we were playing against each other, we were supporting each other too.”
Lauren Murphy, a first-year Options teacher, added, “The unified kickball game was a great experience for everyone involved. This game provided our students with an opportunity to showcase their athletic skills, be encouraged by peers, and demonstrate sportsmanship among the two teams. This game is a great example of how sports can foster inclusion and acceptance across the community!”
Bishop England’s Options Department Chair Kristen Common noted that, while the teams didn’t keep score, “Everyone was a winner this time.”