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 Hillsborough, FL, 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 Hillsborough natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Hillsborough, FL, 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 Hillsborough, FL, 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 Hillsborough, FL, 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.
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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 Hillsborough, FL, 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 Hillsborough, FL, 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.
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Tampa, FL – A Hillsborough County man was arrested early Saturday morning after allegedly striking a sheriff’s patrol vehicle during a traffic stop and fleeing the scene, according to the Hillsborough County Sheriff’s Office.According to the sheriff’s office, the incident occurred January 3, 2026, Saturday, at approximately 3:01 a.m. on Adamo Drive near Orient Road, a busy roadway east of downtown Tampa. A deputy was conducting an unrelated tra...
Tampa, FL – A Hillsborough County man was arrested early Saturday morning after allegedly striking a sheriff’s patrol vehicle during a traffic stop and fleeing the scene, according to the Hillsborough County Sheriff’s Office.
According to the sheriff’s office, the incident occurred January 3, 2026, Saturday, at approximately 3:01 a.m. on Adamo Drive near Orient Road, a busy roadway east of downtown Tampa. A deputy was conducting an unrelated traffic stop when another vehicle struck the driver’s side of the marked patrol car and continued driving.
Deputies were able to locate and stop the suspect vehicle a short time later. The driver was identified as Armin Williams, 49, authorities said.
According to deputies, Williams allegedly showed signs of impairment at the scene. He was arrested and charged with Leaving the Scene of a Crash with Property Damage, DUI with Property Damage or Personal Injury, and Refusal to Submit to Testing.
No serious injuries were reported in the crash. The extent of damage to the patrol vehicle was not immediately released.
The sheriff’s office used the incident to remind drivers about Florida’s Move Over Law, which requires motorists to slow down and move over when approaching emergency vehicles with lights activated. Deputies say violations of the law continue to be a major safety concern for first responders, especially during overnight traffic stops.
Body-worn and in-car camera footage from the incident was released by the sheriff’s office and shows the patrol vehicle stopped on the roadside when it is struck.
Adamo Drive is a heavily traveled corridor connecting Tampa to eastern Hillsborough County, and deputies warn that impaired driving during overnight hours remains a significant risk to both law enforcement and the public.
Anyone who witnessed the crash or has additional information is encouraged to contact the Hillsborough County Sheriff’s Office.
This article was produced by a journalist and may include AI-assisted input. All content is reviewed for accuracy and fairness.Follow us on Instagram & Facebook for more relevant news stories and SUPPORT LOCAL INDEPENDENT NEWS! Have a tip? Message us!
Tampa, FL – A woman working aboard a ship at the Port of Tampa was rescued Sunday after deputies found her hanging upside down from a rope roughly 16 feet above the ground, according to the Hillsborough County Sheriff’s Office.According to HCSO, deputies responded on December 7, 2025, after being notified that a crew member had not returned to her ship the night before. The missing woman was eventually located nearby, suspended by her leg from a rope and unable to free herself.Deputies said the woma...
Tampa, FL – A woman working aboard a ship at the Port of Tampa was rescued Sunday after deputies found her hanging upside down from a rope roughly 16 feet above the ground, according to the Hillsborough County Sheriff’s Office.
According to HCSO, deputies responded on December 7, 2025, after being notified that a crew member had not returned to her ship the night before. The missing woman was eventually located nearby, suspended by her leg from a rope and unable to free herself.
Deputies said the woman was conscious when they arrived and appeared to have slipped while trying to climb down the rope. Coworkers assisted deputies in lowering her safely to the ground. Authorities said she suffered only minor injuries despite spending hours suspended in the air.
HCSO noted that the rapid response played a key role in preventing more serious harm. The sheriff’s office did not release the woman’s name but confirmed she was treated on scene.
The incident occurred at a port facility in Tampa within Hillsborough County, a major hub for cruise, freight, and industrial operations across the Tampa Bay region. No foul play is suspected.
Authorities said the crew member told deputies she became disoriented while navigating the rope in the dark and slipped, leaving her unable to climb back up or call for help. Deputies emphasized the importance of safety protocols for anyone working at elevation, especially during nighttime operations.
Residents or workers in the area who may have witnessed the incident are encouraged to contact HCSO with any additional information.
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Bottom lineKey takeaway: Tampa Bay Water is building the 26.5-mile South Hillsborough Pipeline to deliver fresh drinking water from Brandon to new developments in the Lithia and Wimauma/Balm areas.Core challenge: By 2045, the number of homes in Boyette is expected to increase by one-third, Wimauma will more than double and the Wimauma and Balm area will nearly triple.What’s next: Construction crews began working on the first portions of the project earlier...
With the population continuing to soar and a slew of new housing developments planned across the outermost corners of the formerly rural region, south Hillsborough County is getting a much needed gift from its water supplier this holiday season: a vital new pipeline for safe drinking water.
Tampa Bay Water, the regional drinking water supplier for Hillsborough, Pasco and Pinellas counties, began construction earlier this month on the new, 26.5-mile South Hillsborough Pipeline needed to deliver clean drinking water to the fastest growing corner of the region, the agency says. It’s a $505.7 million project that’s funded in part by the Southwest Florida Water Management District and an $84.02 million infusion from Hillsborough County, records show.
When finished, likely in late 2028, the pipeline will deliver up to 65 million gallons of fresh drinking water per day from Tampa Bay Water’s regional facility in Brandon to Hillsborough County’s southern service area at its Lithia Water Treatment Plant and a new facility in Balm that will be built by Hillsborough County.
The project is necessary to keep up with a growth surge, TBW spokesman Brandon Moore says. By 2045, the number of homes in Boyette is expected to increase by one-third, Wimauma will more than double and the Balm area will nearly triple, officials say.
“It’s been 15 to 20 years since TBW has done a pipeline project of this magnitude, and this is still maybe the largest pipeline project we’ve ever done,” Moore says. “We have no authority over the growth that happens in any of our member counties, but our mandate is to make sure that they have drinking water to meet that growth.”
Construction crews began working on the first portions of the project earlier this month, closing lanes at the intersection of South Kings and West Bloomingdale avenues in Brandon to restripe and establish a new traffic pattern. Once that’s finished, crews will begin burrowing underneath Bloomingdale Avenue, excavating a tunnel pit and installing a five-foot diameter pipeline beneath the road.
South Hillsborough residents can expect construction in the area Monday through Saturday from 7 a.m. to 6 p.m. Temporary traffic patterns and lane closures will remain in place for about four months, says RaeChelle Davis, a communications official on the project.
The expansive pipeline is the result of an interlocal joint project agreement with Hillsborough County broken into two parts: Segment A, which was approved in September 2022 and Segment B, which was approved in January 2023 and will be paid for by Hillsborough County. The plan, Moore says, was selected from 10 alternatives using 11 criteria, including cost, permitting and environmental protection.
The South Hillsborough Pipeline includes 17 tunnel crossings where construction crews will burrow underneath major roadways, railroads and the Alafia River, minimizing potential impacts to the environment, already congested traffic routes, like State Road 60, and major intersections.
TBW was fortunate to find two properties for sale on opposite sides of the Alafia River, eliminating the need to take over someone’s property under Florida’s eminent domain laws, Moore says. Hillsborough County property records show TBW purchased a 0.12 acre parcel at 4142 Alafia Blvd. for $489,600 and a 0.09 acre parcel at 7202 Alafia Ridge Road for $230,000.
Crews will dig a pit on both sides of the river roughly 45 feet deep, lower tunneling equipment and push in pipe casing, then go back and insert the pipe, Moore says. All tunneling locations should be complete by Spring 2026.
Other sections of the pipeline will be laid in “open cut” construction, where crews cut a trench in the middle of a roadway, install metal or concrete trench boxes and lay 25-foot sections of pipe at an average pace of 50 feet per day. TBW will have up to seven crews working on different sections of the pipeline at once to ensure the project stays on schedule.
Traffic weighed heavily on the projected timeline for the project, Moore says.
Two-way traffic will be maintained on Boyette Road at all times, and construction in front of Kingswood Elementary and Brandon High schools is scheduled for the summer. Construction crews will work at night on sections of the pipeline that intersect with large commercial corridors to minimize business disruptions and during the day access to businesses and homes will be maintained with temporary easements and help from a new addition to the project: full-time “Community Coordinators.”
Up to 16 Community Coordinators will staff construction sites 24 hours a day, seven days a week, Moore says, assisting residents with any potential issues such as access, parking, deliveries or garbage collection. Hired by Brandon-based contractor Garney Companies, the Community Coordinators will wear blue vests for easy identification and drive around the perimeter of the construction site on golf carts, Moore says. The agency, on hte communication front, has held 11 public meetings on the project this year.
“It will be a challenge,” Moore says. “We can’t promise that there won’t be impacts but we can promise that we’ll communicate what all of those impacts are and we’ve already begun doing that.”