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 Hanahan, 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 Hanahan, SC
Mortgage Lending Service Hanahan, 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 Hanahan, SC
Refinances Hanahan, 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 Hanahan, 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.

What Clients Say About Us

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 Hanahan, 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 Hanahan, SC

Goose Creek Reservoir in Hanahan Faces Algal Bloom Threat

HANAHAN, S.C. – The South Carolina Department of Environmental Services (SCDES) has issued a Harmful Algal Bloom (HAB) Watch for Goose Creek Reservoir in Hanahan, following confirmed reports of a toxin-capable algal bloom. The bloom is composed of Dolichospermum, a species of cyanobacteria—commonly known as “blue-green algae”—that can produce toxins harmful to people, pets, and wildlife.Algal blooms are naturally occurring phenomena in lakes, rivers, ponds, and coastal waters across the country. ...

HANAHAN, S.C. – The South Carolina Department of Environmental Services (SCDES) has issued a Harmful Algal Bloom (HAB) Watch for Goose Creek Reservoir in Hanahan, following confirmed reports of a toxin-capable algal bloom. The bloom is composed of Dolichospermum, a species of cyanobacteria—commonly known as “blue-green algae”—that can produce toxins harmful to people, pets, and wildlife.

Algal blooms are naturally occurring phenomena in lakes, rivers, ponds, and coastal waters across the country. They consist of microscopic, plant-like organisms that thrive in warm, nutrient-rich environments. While many blooms are harmless, certain species can release toxins or pose risks to human and animal health. When these blooms contain or have the potential to produce such toxins, they are classified as harmful algal blooms (HABs).

HABs typically emerge during warmer, drier months and can persist for weeks. Under the right conditions—such as elevated temperatures and stagnant water—algae and cyanobacteria can multiply rapidly, forming dense mats or discoloration in affected waterbodies.

In addition to the advisory for Hanahan, SCDES has issued a HAB Watch for Lake Wylie near Tega Cay, where a bloom of Microcystis has been identified in a cove near Gauguin Lane and Palmyra Drive. Similar blooms have recently been reported on the North Carolina side of the lake. Fortunately, current microcystin toxin levels in both Goose Creek Reservoir and Lake Wylie remain below recreational water quality thresholds.

Meanwhile, the HAB Watch for Broadway Lake in Anderson has been lifted, signaling improved conditions there.

SCDES has updated its Algal Bloom Monitoring map to reflect these changes and will continue to monitor the blooms closely. Residents are encouraged to stay informed and avoid contact with discolored or scummy water, especially in affected areas.

For more information on harmful algal blooms and how to stay safe, visit des.sc.gov/habs.

MONCKS CORNER, S.C. – The Moncks Corner Rural Fire Department is grieving the loss of one of its most respected leaders. Deputy Chief Jimmy Townsend passed away in the line of duty early Sunday at 3 a.m., leaving behind a legacy of courage, mentorship, and unwavering service.

Townsend began his firefighting career in November 1990 with the Moncks Corner Rural Fire Department. Over the next 35 years, he became a pillar of the Berkeley County emergency response community, known not only for his tactical expertise but also for his deep compassion and commitment to those he served alongside.

For those who knew Townsend, he was more than a firefighter. “He was a mentor, a friend, and a cornerstone of our department,” the fire department shared in a statement. “His passing leaves a void that can never truly be filled.”

Throughout his career, Townsend was instrumental in shaping the department’s culture and training standards, often guiding younger firefighters through the rigors of the job with patience and wisdom. His influence extended beyond Moncks Corner, earning him respect across South Carolina’s firefighting community.

Following Townsend’s death, neighboring Berkeley County agencies sent their condolences to those who knew the beloved firefighter.

“We are saddened to hear the news of the passing of Deputy Chief Jimmy Townsend. Our thoughts and prayers are with the family and friends of Deputy Chief Townsend, as well as the members of the Moncks Corner Rural Fire Department,” the Goose Creek Rural Fire Department posted to social media.

“My office and I are deeply saddened by the loss of Moncks Corner Rural Deputy Chief Jimmy Townsend. Chief Townsend was a true leader, dedicating his life to protecting others and serving his community,” Berkeley County Coroner Darnell Hartwell said.

Memorial service arrangements are still being finalized. In the meantime, the department is asking the public to keep Townsend’s family, friends, and fellow first responders in their thoughts and prayers.

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