Your Path to Homeownership Starts Here - Expert Mortgage Assistance

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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.

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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

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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 Near Me Goose Creek, SC

Goose Creek man faces over 70 animal cruelty charges in major dog seizure

BERKELEY COUNTY, S.C. (WCSC) - The Berkeley County Sheriff’s Office said a man is charged with 74 animal cruelty-related charges after more than 30 dogs were seized from his property.Loney Leroy Garrett, 77, is charged with 35 counts of ill treatment of animals, 35 counts of no rabies inoculations and four counts of improper burial.Cpl. Carli Carr said these charges stem from a June 22 incident in which deputies responded to a Garretts Court house following an investigation into multiple violations of animal cruelty....

BERKELEY COUNTY, S.C. (WCSC) - The Berkeley County Sheriff’s Office said a man is charged with 74 animal cruelty-related charges after more than 30 dogs were seized from his property.

Loney Leroy Garrett, 77, is charged with 35 counts of ill treatment of animals, 35 counts of no rabies inoculations and four counts of improper burial.

Cpl. Carli Carr said these charges stem from a June 22 incident in which deputies responded to a Garretts Court house following an investigation into multiple violations of animal cruelty.

They discovered 35 dogs being kept in “deplorable and unsanitary conditions” and found confined in feces-filled crates with urine-soaked wooden boards.

The Berkeley County Animal Cruelty Investigator said that the dogs had no access to clean drinking water, adequate food and their water buckets were filled with dirty, feces-contaminated liquid.

It was later revealed that Garrett transported dogs from Tennessee into South Carolina without required health certificates or proof of rabies vaccinations. None of the dogs were found to be properly inoculated for rabies.

Garrett pleaded guilty to 10 counts of animal cruelty back in 2013, where investigators discovered 200 dogs buried in the same yard. He was convicted in 2015 and sentenced to two years in prison and five years of probation.

He was initially charged with 43 counts of animal cruelty, but was sentenced to 10 charges.

The dogs were removed from his property and are receiving veterinary care and evaluation by the Berkeley County Animal Control and the Charleston Animal Society.

“Charleston Animal Society is proud to support the Berkeley County Sheriff’s Office in this critical investigation,” Fuller said. “These dogs were living in unacceptable conditions. We are grateful they are now safe and will receive the veterinary care, food, and compassion they so desperately need.”

His son, Loney Garrett Jr., is also being charged with one count of ill treatment of animals.

The Berkeley County Sheriff’s Office continues to investigate the incident.

Copyright 2025 WCSC. All rights reserved.

Buc-ee’s suing SC company over armed beaver merch

GOOSE CREEK, S.C. (FOX Carolina) - Popular gas station chain Buc-ee’s is taking a South Carolina clothing company to court over its iconic beaver logo.Buc-ee’s filed a copyright infringement lawsuit on May 27 against Goose Creek-based apparel company Born United.Born United has both a private label and sells third-party merchandise from brands like Palmetto State Armory and Nine Line Apparel. Below is the mission statement on store’s website:...

GOOSE CREEK, S.C. (FOX Carolina) - Popular gas station chain Buc-ee’s is taking a South Carolina clothing company to court over its iconic beaver logo.

Buc-ee’s filed a copyright infringement lawsuit on May 27 against Goose Creek-based apparel company Born United.

Born United has both a private label and sells third-party merchandise from brands like Palmetto State Armory and Nine Line Apparel. Below is the mission statement on store’s website:

Born United’s online inventory includes private label men’s “Tac-Bucc” shorts, which feature a beaver with tactical gear and a firearm. The lawsuit also includes pictures of listings for “Tac-Bucc” t-shirts and a PVC patch.

In the suit, Buc-ee’s says they have not granted the brand permission to use their world-famous beaver logo and accuse Born United of exploiting the gas station chain’s reputation.

Buc-ee’s reportedly sent a cease-and-desist letter to Born United, but at least one of the items mentioned in the lawsuit is still on the apparel website as of Monday morning.

The lawsuit seeks to bar Born United from selling the Tac-Bucc merchandise or “any marks identical and/or confusingly similar to the Buc-ee’s Marks, for any purpose.” Buc-ee’s is also seeking damages, legal fees, and any profits from the items.

FOX Carolina has reached out to Born United for comment.

1 dead in early-morning house fire in Goose Creek, SLED investigating

GOOSE CREEK, S.C. (WCIV) — One person is dead after a house fire in Goose Creek early Tuesday morning, according to officials.The Berkeley County Coroner's Office has identified the victim as Danial Skinner, 69, of Goose Creek.Crews reportedly responded to the scene just after midnight, which involved a single family home off Kathr...

GOOSE CREEK, S.C. (WCIV) — One person is dead after a house fire in Goose Creek early Tuesday morning, according to officials.

The Berkeley County Coroner's Office has identified the victim as Danial Skinner, 69, of Goose Creek.

Crews reportedly responded to the scene just after midnight, which involved a single family home off Kathryn Drive in Goose Creek.

Eight separate fire crews worked to extinguish the blaze including Goose Creek Rural, Pine Ridge, Hanahan, Caromi, Pimlico, Goose Creek City, Joint Base, Central Berkeley Fire & EMS.

“It was a significant fire when we arrived, almost half the house was involved in fire," said Chief Bob Maibach with Goose Creek Rural Fire Department.

THE LATEST: Berkeley County coroner identifies one dead in Goose Creek house fire

Chief Maibach said there's no reason to believe this was a suspicious fire or a case of arson, and that SLED is always called in to investigate when a fatality is reported.

A cause of fire was unknown Tuesday. Chief Maibach said his crews often find non-operating smoke alarms at the scene of house fires.

“These are situations that happen and every second counts, so having that alarm that functions and alerts you, even in in the middle of the night, is very important," he said. "Smoke detectors save lives."

The fire was officially reported under control just before 1:00 a.m. Tuesday.

Fire crews were called back to the scene around 7 a.m. to extinguish a small spot fire.

SLED, State Fire Marshals, the Berkeley County Coroner's Office and Berkeley County Sheriff's Office are investigating.

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