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 Goose Creek, 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 Goose Creek natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Goose Creek, 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 Goose Creek, 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 Goose Creek, 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 Goose Creek, 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 Goose Creek, 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.
GOOSE CREEK, S.C. (WCSC) - The City of Goose Creek Fire Department is asking residents and business owners for input to help create the department’s first strategic plan.City of Goose Creek Fire Chief Mike Nixon said the purpose of the plan is to get everyone in the department on the same page. They’ll get input from members of the department, the City of Goose Creek residents and business owners.The survey asks what they need to work on and what they are doing well. That feedback will help them make a plan that wil...
GOOSE CREEK, S.C. (WCSC) - The City of Goose Creek Fire Department is asking residents and business owners for input to help create the department’s first strategic plan.
City of Goose Creek Fire Chief Mike Nixon said the purpose of the plan is to get everyone in the department on the same page. They’ll get input from members of the department, the City of Goose Creek residents and business owners.
The survey asks what they need to work on and what they are doing well. That feedback will help them make a plan that will provide a clear and concise path moving forward. Nixon said it would also consider risk factors that could be faced in the future whether it’s internal or external with a response.
“Where are we excelling at, where are we failing at and kind of find a way to solve those issues. It could be something that people have had interactions with us on a fire scene where they thought we performed average. We don’t want to be average, we want to be above average,” Nixon said.
Once the survey closes they plan on having focus groups within the department to analyze the information and come up with a plan.
“We’re going to all sit down separately with the information that we’ve received from all of the surveys internal and external and we’re going to deep dive into every specific content point and we’re going to break them down and we’re going to figure out where we really need to focus we’re doing or at first try to problem solve those issues and come up with solutions for that,” Nixon said.
There is no set deadline for that set, but once it’s complete it will be posted for anyone to see. They plan to annually review it and about every three years create a new one.
You can take this 10-question survey starting Feb. 6, for 30 days. It’s available in three languages and you can drop off the paper version at city hall or online here.
Copyright 2025 WCSC. All rights reserved.
COLUMBIA, SC (WOLO) — On Tuesday, the Trump Administration sent the first group of migrant detainees to Guantanamo Bay Naval Base, which is being used as a large scale immigration detention center.“There’s a lot of space to accommodate a lot of people, yeah, so we’re going to use it,” says President Trump from the Oval Office.This, following his executive order on January 20th to crackdown on illegal immigration.Also on Tuesday, Attorney General Alan Wilson sent a letter to all 46 sheriffs a...
COLUMBIA, SC (WOLO) — On Tuesday, the Trump Administration sent the first group of migrant detainees to Guantanamo Bay Naval Base, which is being used as a large scale immigration detention center.
“There’s a lot of space to accommodate a lot of people, yeah, so we’re going to use it,” says President Trump from the Oval Office.
This, following his executive order on January 20th to crackdown on illegal immigration.
Also on Tuesday, Attorney General Alan Wilson sent a letter to all 46 sheriffs across SC — encouraging them to apply for ICE’s “Section 287-G Program” — which allows local law enforcement to perform and help in certain immigration efforts.
According to the official website of “Immigration and Customs Enforcement,” only Horry, Lexington, and York counties are currently signed up for the program.
Christale Spain, Chair of the SC Democratic Party, says there’s a lot of misinformation out there regarding the raids causing fear throughout certain communities.
“You know I just think people are scared, and emotionally feel afraid. We don’t know what’s happening with our country, and I think the way to combat that, as far as the Democratic Party goes, is to put out factual information,” she says.
With recent ICE raids happening as nearby as Goose Creek, SC and Savannah, Georgia, the SC Democratic Party wants legal community members to know their rights — should an ICE agent come to their door.
“To know that they don’t have to open the door for ICE unless they have a signed warrant from a judge, and they do have the right to remain silent, and they are not required to answer questions about their immigration status. And don’t sign anything without legal representation,” says Spain, adding, if you’re able to record the ICE raid safely, to do so.
“And report those incidents to immigrant rights organizations and legal groups,” she says.
According to Spain, adding to fear mongering regarding ICE raids are impersonators, with three men recently arrested for pretending to be an ICE agent. This includes 33-year-old Sean-Michael Johnson from Charleston County.
Congresswoman Nancy Mace has also taken part in raids, as she posted on X.
“If there aren’t safe guard rails put up on some of this, this craziness, you know, Americans are going to get swept up into this, and that…that should be a concern for everybody,” says Spain.
If you’d like more information, a free discussion regarding ICE raids will be held at the Richland County Public Library on Saturday, February 8th at 2:30 p.m.
Published: Feb. 4, 2025 at 5:21 PM PST|GOOSE CREEK, S.C. (WCSC) - The largest military shipbuilder in the U.S. is expanding its operations in Goose Creek with plans to create more than 250 jobs.HII recently purchased the assets of W International, a metal fabrication facility located on Bushy Park Road that specializes in the manufacturing of shipbuilding structures, modules and assemblies.The site will now be known as Newport News Shipbuilding-Charleston Operations and will operate under HII’s Newport News Shipbui...
Published: Feb. 4, 2025 at 5:21 PM PST|
GOOSE CREEK, S.C. (WCSC) - The largest military shipbuilder in the U.S. is expanding its operations in Goose Creek with plans to create more than 250 jobs.
HII recently purchased the assets of W International, a metal fabrication facility located on Bushy Park Road that specializes in the manufacturing of shipbuilding structures, modules and assemblies.
The site will now be known as Newport News Shipbuilding-Charleston Operations and will operate under HII’s Newport News Shipbuilding division.
Berkeley County Economic Development Director, John Williams, said HII will bring all existing workforce, resources, and contracts with them, including contracts they already have with the U.S. military.
“They purchased the company and all the assets. The building that they have in place, all the equipment that they have in place, all of the contracts that they currently have, many of which are with the U.S. military, they’re assuming all of that. They’re going to take what they have and they’re going to grow it,” he said.
Williams said because HII is expanding operations, they’re increasing their capital investment to $100 million. He added they also plan to achieve W International’s failed goal of creating 600 positions.
“This is all kinds of trades. It’s not just welders. I mean, they need electricians, they need highly skilled machinists. They need pretty much any of the trades that you can think of that are going to be housed there and going to be needed by them. And, these are high-paying jobs. We’re not looking to try to recruit low-paying jobs in this area or lots of jobs. We want a good number of jobs, and we want good-paying jobs. And that’s why HII checks the box so well because they are... It’s a great company, long-standing, safe jobs, stable jobs, and high-paying jobs,” Williams said.
He said the site is perfect to support HII and all of their operations, and has many benefits like barge access, deep water access and a nearby railroad.
“That park is really desirable. The fact that they got deep water access, and so you can bring ships, you can bring submarines, you can bring any of those types of vessels that need water for transportation, you can bring them in there. If you’ve got pieces of equipment or engines that are too large to put either on the highway, on a truck, or on a rail, you can always put them on a barge and carry them by water. Bushy Park’s ability to barge different pieces of equipment checks the box for the HII,” Williams said.
He said all of these factors are important when thinking about transporting the type of giant vessels and submarines like HII does.
Copyright 2025 WCSC. All rights reserved.
Operations Are Underway at Newport News Shipbuilding Charleston OperationsGOOSE CREEK, S.C., (Jan. 27, 2025) — HII (NYSE: HII) announced today it has closed on its acquisition of an advanced manufacturing facility and assets and begun work at its Newport News Shipbuilding (NNS) — Charleston Operations site in South Carolina.“HII is committed to going where the labor is to increase shipbuilding capacity and increase throughput for our national security customers,” HII President a...
Operations Are Underway at Newport News Shipbuilding Charleston Operations
GOOSE CREEK, S.C., (Jan. 27, 2025) — HII (NYSE: HII) announced today it has closed on its acquisition of an advanced manufacturing facility and assets and begun work at its Newport News Shipbuilding (NNS) — Charleston Operations site in South Carolina.
“HII is committed to going where the labor is to increase shipbuilding capacity and increase throughput for our national security customers,” HII President and CEO Chris Kastner said. “This lets us efficiently add trained talent and state-of-the-art manufacturing capabilities to the urgent job of building ships, making it a unique opportunity to immediately accelerate throughput at Newport News Shipbuilding in support of the Navy and AUKUS.”
HII announced last month its intent to acquire the facility and associated assets. Since then, more than 99% of the legacy workforce have accepted offers to continue to work on site, supporting the construction of nuclear-powered submarine modules and aircraft carrier units for U.S. Navy programs. Working closely with the South Carolina state and regional leadership, HII plans to create hundreds of additional jobs to support the increased demand and growth at the Charleston facility.
In addition to existing trained talent, HII’s acquisition also provides:
“This is great news for the South Carolina economy. This investment will allow us to expand our manufacturing footprint more aggressively in the shipbuilding industry,” U.S. Sen. Lindsey Graham, R-S.C., said. “If you can drive it, fly it, shoot it or float it, South Carolina makes it.”
“The expansion of our nation’s largest military shipbuilder in South Carolina underscores the pivotal role our state plays in strengthening America’s national security,” U.S. Sen. Tim Scott, R-S.C., said. “The dedicated shipbuilders in the Charleston area are part of a highly skilled workforce that will propel our nation forward. This innovation and modernization in our defense industrial base will create jobs and draw resources to our state’s already robust Navy presence.”
About HII
HII is a global, all-domain defense provider. HII’s mission is to deliver the world’s most powerful ships and all-domain solutions in service of the nation, creating the advantage for our customers to protect peace and freedom around the world.
As the nation’s largest military shipbuilder, and with a more than 135-year history of advancing U.S. national security, HII delivers critical capabilities extending from ships to unmanned systems, cyber, ISR, AI/ML and synthetic training. Headquartered in Virginia, HII’s workforce is 44,000 strong. For more information, visit:
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Todd CorilloTodd.T.Corillo@hii-co.com757-688-3220
Danny Hernandez Danny.J.Hernandez@hii-co.com202-264-7143
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hii_communications@hii-co.com
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Cautionary Statement Regarding Forward-Looking Statements
Statements in this release, other than statements of historical fact, constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as “may,” “will,” “should,” “expects,” “intends,” “plans,” “anticipates,” “believes,” “estimates,” “predicts,” “potential,” “continue,” “guidance,” “projections,” “outlook,” and similar words or phrases or the negative of these words or phrases generally identify these forward-looking statements. Forward-looking statements include, among other things, statements relating to the Company’s future financial condition, results of operations or cash flows, and expected benefits of the transaction. Forward-looking statements are based upon assumptions, expectations, plans and projections that we believe to be reasonable when made, but which may change over time. These statements are not guarantees of future performance and inherently involve a wide range of risks and uncertainties that are difficult to predict. Specific risks that could cause actual results to differ materially from those expressed or implied in these forward-looking statements include, but are not limited to: those discussed in this release; those identified under “Risk Factors” and other important factors disclosed in our Annual Report on Form 10-K for the year ended December 31, 2023 and from time to time in our other filings with the SEC; the possibility that anticipated benefits of the acquisition may not be realized or may take longer to realize than expected; the risk that management time may be diverted on acquisition and integration-related matters; and other events or circumstances that could adversely impact the business. There may be other risks and uncertainties that we are unable to predict at this time. You are urged to consider the limitations on, and risks associated with, forward-looking statements and not unduly rely on the forward-looking statements including the accuracy thereof. Forward-looking statements are based on information, plans and estimates as of the date they are made and there may be other factors that may cause actual results to differ materially from these forward-looking statements. We undertake no obligation to update or revise any forward-looking statements, whether as a result of new information, subsequent events or otherwise, except as required by applicable law.