Mortgage Broker in Goose Creek, 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 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.

Help with the Pre-Approval Process

If you're ready to buy a home, getting pre-qualified is a great choice that will streamline the entire process. Your mortgage broker makes getting pre-approved easy by obtaining all the documents needed to get you pre-qualified. In taking a look at your application, they will determine if you're ready for the pre-approval process. If your application needs additional items, the mortgage company will help point you in the right direction to ensure your application is as strong as it can be. Your mortgage broker will also walk you through the different types of loans, from Conventional and FHA to VA and USDA.

In order to be pre-approved for a home in South Carolina, you must have the following:

  • Two Years of W2 Forms
  • 30 Days of Pay Stubs from Employer
  • 60 Days of Bank Statements
  • A Valid Driver's License

Conventional Mortgages

Conventional loans can be used to purchase a new home or refinance your current one. Conventional loans include fixed-rate mortgages and adjustable-rate mortgages. Generally, borrowers must put down a 3% down payment for owner-occupants, 10% for a vacation property, and 20% for an investment home. If you are able to pay 20% of the total cost of the home, you can avoid private mortgage insurance, which is otherwise required. Conventional mortgages are often preferred by buyers with good credit or people needing a non-owner-occupied mortgage.

 Mortgage Company Goose Creek, SC
 Mortgage Lending Service Goose Creek, SC

FHA Loans

FHA mortgages are issued by the U.S. government and backed by the Department of Housing & Urban Development (HUD). This loan is often preferred by first-time homebuyers because it only requires a 3.5% down payment and offers more flexibility with credit requirements and underwriting standards. FHA loans have several requirements you must meet to qualify. Contact Mission One Mortgage today to learn more about FHA loans and whether or not they're best for your financial situation.

USDA Loans

Also backed by the government, these loans are insured by the U.S. Department of Agriculture and don't require money down. These loans have lower insurance requirements when compared to FHA loans, offer 100% financing if you qualify, and allow for closing costs to be covered by the seller. In order to qualify for a USDA loan, you must live in a rural area, and your household income must meet certain standards. These loans are often preferred by low-income citizens who live in rural parts of South Carolina.

 Refinancing Goose Creek, SC
 Refinances Goose Creek, 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 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:

  • 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 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.

Contact Us For Service !

phone-number (843) 822-5685
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Latest News in Goose Creek, SC

Inside Goose Creek operations of the largest military shipbuilder in the US

Home>Manufacturing>Inside Goose Creek operations of the largest military shipbuilder in the USA new division of the largest military shipbuilder in the U.S. is in full swing after establishing operations in South Carolina just two months ago.Newport News Shipbuilding-Charleston Operations, a facility in a division of Virginia-based ...

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Inside Goose Creek operations of the largest military shipbuilder in the US

A new division of the largest military shipbuilder in the U.S. is in full swing after establishing operations in South Carolina just two months ago.

Newport News Shipbuilding-Charleston Operations, a facility in a division of Virginia-based Huntington Ingalls Industries, better known as HII, began in Goose Creek roughly 60 days ago.

In two days, the site, which spans nearly 50 acres and includes roughly 500,000 square feet of manufacturing space, will send off its first structural unit to NNS headquarters in Virginia for U.S. Navy aircraft carrier production.

NNS is the sole builder of aircraft carriers for the nation and one of the two companies that build submarines for the U.S., Matt Needy, general manager and vice president of Charleston operations, said during a tour of the sprawling facility on Wednesday. The company has overseen the design, construction, overhaul and repair of more than 800 ships for the U.S. Navy and commercial customers since beginning 139 years ago.

The purpose of the NNS Goose Creek operations is to specialize in modules of the submarines and aircraft carriers to unburden the main production in Virginia, Needy said.

In January HII closed on the acquisition of all the assets of metal fabricator W International SC LLC and Vivid Empire SC LLC (collectively “W International”). Financial terms of the deal were not revealed.

The company specializes in two classes of nuclear-powered submarines, the Virginia-Class and the Columbia-Class. Modules that the Goose Creek operations produce include the habitability module, auxiliary machine room and weapons module of the Virginia-Class along with the auxiliary machine room and the weapons module for the Columbia-Class, Needy said.

Needy said HII had it sights set on South Carolina for some time, considering the pre-established manufacturing workforce in the region.

“Because of the buildings, because of the people that are here, because of the pipelines, because of the state and regional and educational relationships that we already had the foundation of, this became the obvious choice to most rapidly expand capacity and frequency for Newport News,” Needy said.

Creating a workforce pipeline

During the acquisition, 99% of the legacy employees from W International transitioned. Currently employing 475 workers at the Goose Creek location, Needy hopes to see those numbers rise by the hundreds.

Alexis Mervin, a class-three welder, has been working at the facility for three years.

“Everyone gets along very well here, its a lot of team membership and working with each other,” Mervin said. “I’m over here building aircraft carriers for the Navy, submarines as well. It’s just an amazing experience.”

When joining the NNS Goose Creek facility, employees go through a 12-week course learning the specifics of NNS operations. During their training, they are considered full-time employees with benefits.

“This is a people-centered business,” Needy said. “It takes the heads, the hearts, the minds of a lot of great shipbuilders doing this complex work every day to bring the ships to life.”

Since starting the training program in October 2021, there have been about 1,200 students to graduate from it, Mark Schmitt, director of plant services operations, said. Schools like Goose Creek High School and Berkley High School teach a curriculum that helps the transition into the Newport News curriculum.

“You have these young guys and gals coming out of high school and signing letters in front of everybody going to colleges and universities,” Schmitt said. “Our version of that is The Summit. They come here, their parents come out here and they sign a letter of intent saying ‘I’m going to go be a welder for Newport News.’ It really is a powerful thing for us.”

Ashanti Grant, an 18-year-old welder for Newport News, heard about the opportunity through his high school. After attending Trident Technical College, he is finished his training with Newport News and has been working for about a year

“I didn’t know anything about welding before the job fair,” Grant said. “It’s really good here.”

Related: Boeing commits to $1 billion Charleston County expansion

Related: Nation’s largest military shipbuilder closes on Charleston County acquisition

The site spans 48-acres along the Cooper River, allowing access to deep water transportation as well as rail transportation that goes through the acreage. The land contains 480,000 square feet of manufacturing space.

Making an investment in the Lowcountry

Located next to the HII campus is a Leonardo DRS building under construction to open in 2026. The company is a leading provider of naval power and control technology solutions for the U.S. Navy. Needy said the two companies share a property line, road access and single barge slip so they are having meetings to maintain that relationship.

Materials for the productions are all sourced from the U.S. According to Needy, HII spends $500 million annually on local sourcing in the Lowcountry. Additionally, HII operations contribute $110 million per year in investments to its workforce, including education, scholarships, retirement and more.

“The Navy is in more demand than ever,” Needy said. “In my 34 years here with Newport News and the Huntington Ingalls Industries, I’ve never seen demand like the need for the ships that we build today.”

When the facility was W International, operations were exclusively a welding facility. Needy says the NNS goal is to build off those operations, scaling into something larger.

Needy said once the locations operations are at full capacity, it won’t just be steel structures for the modules being sent out, but fully outfitted modules with doors, walls, beds and more. He doesn’t expect the facility to be at its full-rate production capacity until 2027 and 2028.

Goose Creek neighbors push for increased traffic calming on Crowfield Boulevard

: |Updated: Feb. 19, 2025 at 7:45 PM ESTGOOSE CREEK, S.C. (WCSC) - Members of a neighborhood in Crowfield are advocating for traffic calming measures along a growing throughfare road.Crowfield Boulevard, a two-lane road, attaches on one end to Saint James Avenue, and on the other, College Park Road. The road can be frequented by commuters coming to or from major roadways like I-26, Highway 176, Highway 52 or Rivers Avenue.In 2013, the South Carolina Department of Transportation tracked 28, 400 daily commuters in the area...

: |Updated: Feb. 19, 2025 at 7:45 PM EST

GOOSE CREEK, S.C. (WCSC) - Members of a neighborhood in Crowfield are advocating for traffic calming measures along a growing throughfare road.

Crowfield Boulevard, a two-lane road, attaches on one end to Saint James Avenue, and on the other, College Park Road. The road can be frequented by commuters coming to or from major roadways like I-26, Highway 176, Highway 52 or Rivers Avenue.

In 2013, the South Carolina Department of Transportation tracked 28, 400 daily commuters in the area. In 2023, the number rose to 39,100. As the number sits on a steady incline, neighbors on the lakeside are asking for increased traffic measures.

The surrounding area is full of walking trails, many of them which cross over the road. The boulevard currently has light-beaconed crosswalk signs and a speed limit of between 40 and 45 miles per hour.

Jason Bermudez said the regular walks he takes with his five kids are times where he is on high alert. Bermudez adds he has witnessed cars that do not yield to the signs or speed through.

“As a parent, the first thing I do is I look through the windshield at the person to see if they even recognize there is a person at the crosswalk,” Bermudez said. “The increase in traffic makes it unsafe to cross the street.”

Heather Byrd moved to the area more than a decade ago in search of a home for her growing family. If her kids want to ride their bikes, she prefers it only when she can be around.

“I don’t let them because I’m scared for them to have anything to do with Crowfield Boulevard. People are stupid. I’m just not comfortable with them doing that. I would love to say they could come hang out on the lake or on the other portion of the lake. There is no lighting, no safety features that make me feel comfortable doing so,” Byrd said. “We’re going through a residential section of approximately 3,800 homes. That’s a lot of residents.”

The South Carolina Department of Public Safety reports 185 crashes on Crowfield Boulevard since 2022. Four of them involved pedestrians.

Byrd and Bermudez are asking for a traffic study to determine the next course of action. They have suggested the installation of increased lighting, pavement markings and, in some areas, roundabouts or traffic circles.

“Traffic on Crowfield is an issue. Over the last 10 years, you’ve seen the increase in population and how traffic has increased along Crowfield Boulevard,” Bermudez said.

“What’s the price of safety? Safer is better, not just for one person but for everybody. You can’t put a price on that,” Byrd said.

Copyright 2025 WCSC. All rights reserved.

Goose Creek population boom pushes city to build $13 million multi-use facility

|Updated: Feb. 11, 2025 at 7:47 PM ESTGOOSE CREEK, S.C. (WCSC) - The City of Goose Creek is talking about building a new multi-purpose facility, not only for city council meetings but also for residents and businesses to rent for events.At a city council meeting Tuesday night, council members unanimously approved the multi-million-dollar project that will now serve as an event center and as the council’s new chambers.Mayor Greg Habib said Goose Creek has had significant population growth over the past two decades a...

|Updated: Feb. 11, 2025 at 7:47 PM EST

GOOSE CREEK, S.C. (WCSC) - The City of Goose Creek is talking about building a new multi-purpose facility, not only for city council meetings but also for residents and businesses to rent for events.

At a city council meeting Tuesday night, council members unanimously approved the multi-million-dollar project that will now serve as an event center and as the council’s new chambers.

Mayor Greg Habib said Goose Creek has had significant population growth over the past two decades and with no signs of slowing down.

“We built this in 1999, and it’s served us very well for 25 years, and still serves us well today. But in 1999, the city of Goose Creek was 29,000 people. Today, it’s 50,000. So, we’ve grown, obviously significantly. To serve that number of people, we need more staff. We have adjusted this building just about as much as we can to fit as many people in it as we can,” he said.

Habib said they’ve run out of office space in the current town hall building they work out of, and they desperately need a new one in order to meet the demands of an expanding staff and growing population.

“It’s a really important investment. When you have more code enforcement officers and more building inspectors and more folks trying to serve the people who live in the City of Goose Creek, and the businesses doing business in the City of Goose Creek, you have to have somewhere to put them and this will be their nice new office here,” he said.

In response to office overcrowding, city leaders plan to build a brand-new, $13-million, 13,500 square-foot-multi-use facility, The Assembly.

“So, the new facility will be multi-purpose. It will be a place where we can hold our council meetings. But more than that, it’s a place where folks can hold events and the city can have events. We see people renting it out for family reunions, for weddings, for banquets, for all of those things in the years to come,” Habib said.

Habib said The Assembly will fill gaps the rapid population boom has created.

He noted that the council’s current chambers inside city hall will be converted into additional office space for their growing staff.

Construction for The Assembly is expected to begin later this spring.

The incoming addition will be built right next to the town’s existing city hall.

The building is set to be finished by the end of 2026.

Copyright 2025 WCSC. All rights reserved.

Global defense provider to create an estimated 250 jobs with new Berkeley County operation

GOOSE CREEK, S.C. (WCIV) — A global defense provider and naval manufacturing is preparing to establish an operation in Berkeley County, with company officials estimating a creation of over 250 new jobs.HII, headquartered in Virginia, said they will achieve this through the acquisition of substantially all assets of W International SC, LLC and Vivid Empire SC, LLC, collectively known as W International, a South Carolina-based complex metal fabricator.HII specializes in manufacturing naval ships and defense technology solut...

GOOSE CREEK, S.C. (WCIV) — A global defense provider and naval manufacturing is preparing to establish an operation in Berkeley County, with company officials estimating a creation of over 250 new jobs.

HII, headquartered in Virginia, said they will achieve this through the acquisition of substantially all assets of W International SC, LLC and Vivid Empire SC, LLC, collectively known as W International, a South Carolina-based complex metal fabricator.

HII specializes in manufacturing naval ships and defense technology solutions for clients including the U.S. Navy. The company said they have over 135 years of experience and 44,000 employees nationwide.

Governor Henry McMaster stated, "HII establishing operations in Berkeley County further solidifies South Carolina’s reputation as the ideal location for advanced manufacturing. The more than 250 anticipated new jobs this investment will bring is proof that manufacturing companies of all types recognize the benefits of doing business in our state."

READ MORE | "SC ranks near the bottom of new healthcare cost to quality index: Phia Group"

The transaction, completed on Jan. 22, 2025, involves HII investing in new equipment and retrofitting the acquired facility at 2040 Bushy Park Rd. in Goose Creek to meet its manufacturing requirements. The renovated facility will operate within HII’s Newport News Shipbuilding division, supporting Virginia-class, Columbia-class, and aircraft carrier programs, according to the SC Department of Commerce.

HII President and CEO Chris Kastner stated, "HII is committed to going where the labor is to increase capacity and increase throughput for our national security customers. This transaction is a win-win with our new partners in South Carolina – we’re excited to bring work and grow jobs. 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."

The Coordinating Council for Economic Development has approved job development credits related to the project and awarded a $750,000 Set-Aside grant to Berkeley County to assist with building improvements, according to a release. Operations will remain ongoing, and individuals interested in joining the HII team are encouraged to visit the company’s careers page.

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