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 John’s Island, 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 John’s Island natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in John’s Island, 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 John’s Island, 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 John’s Island, 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 John’s Island, 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 John’s Island, 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.
No matter what corner of Charleston you live in, there is an incredible amount to do and see. Each town has its own brand of charm and its own sights, from the widely publicized to hidden gems.But just a short drive from Charleston proper is Johns Island, one of Charleston’s beloved rural frontiers, which offers unique things to do in the town limits or nearby for residents and visitors alike.The Goatery: At ...
No matter what corner of Charleston you live in, there is an incredible amount to do and see. Each town has its own brand of charm and its own sights, from the widely publicized to hidden gems.
But just a short drive from Charleston proper is Johns Island, one of Charleston’s beloved rural frontiers, which offers unique things to do in the town limits or nearby for residents and visitors alike.
The Goatery: At The Goatery, located in Kiawah River, you can take your yoga to the next level and enjoy a session of goat yoga! You can also spend time interacting with the farm goats and, for only $20, enjoy a 90-minute private tour of this special property. While you’re there, shop for some goat milk lotions, lip balms, soaps, and candles.
Angel Oak Tree Park: Travel to see a tree? Yes, because this tree is nothing like you’ve seen before. This Southern Live Oak tree is estimated to be around 300 to 400 years old, a whopping 65 feet high, and is considered to be the oldest Live Oak east of the Mississippi. It is indeed a sight to behold. It’s the perfect place for unique photography or simply admiring Mother Nature at work. And if you’re looking for a little spooky lore, How Stuff Works reports that there are more than a few local tales of ghosts of former slaves appearing around the Angel Oak and of those spirits now protecting the tree.
If you do go, keep in mind that the tree is free to see, but for its protection, there are strict rules about what you can bring to the park. Visit the website for more information.
Throw back a beer: There is nothing like feasting on local cuisine, and when it comes to enjoying a good drink with your meal, breweries such as Charleston Distilling, Low Tide Brewing, and the Seanachai Whiskey and Cocktail Bar are worth a visit. They are examples of businesses that use local ingredients to source their product, and they oversee the entire process right on the property. Depending on the brewery, you can enjoy a tasting or a distillery tour, grab a bite to eat in their dining room or from a food truck, sit back and listen to some local musicians, and enjoy the surrounding Lowcountry beauty.
Charleston Aqua Park: Just because it’s winter doesn’t mean you can’t plan your future activities. The Charleston Aqua Park is closed until May, so mark your calendars. Kids ages six and up can enjoy overwater climbing adventures on the first fully floating ropes course in the US and an over-the-water zipline at the park which is located at Trophy Lakes on Johns Island.
And finally, don’t forget to stop at the Sea Island Farmers Market. It’s an easy way to check out local food vendors from all over Johns Island and Charleston selling their wares and connect with Charleston’s rural roots.
More often than not, tipsters, readers, friends, and family of Eater have one question: Where should I eat right now? What are the new restaurants? What's everyone talking about? While the Eater 18 is a crucial resource covering old standbys and neighborhood essentials across the city, it is not a chronicle of the "it" places of the moment. Enter the Eater Heatmap, which will change continually to highlight the spots crowds...
More often than not, tipsters, readers, friends, and family of Eater have one question: Where should I eat right now? What are the new restaurants? What's everyone talking about? While the Eater 18 is a crucial resource covering old standbys and neighborhood essentials across the city, it is not a chronicle of the "it" places of the moment. Enter the Eater Heatmap, which will change continually to highlight the spots crowds are flocking to at the moment or generating a big buzz. Folks are asking, "Have you been yet?" Try one of these newbies today.
This month, the new Jackrabbit Filly location joins the list.
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Eater maps are curated by editors and aim to reflect a diversity of neighborhoods, cuisines, and prices. Learn more about our editorial process.
Chinese American restaurant Jackrabbit Filly moved up the street to a bigger dining room and more prominent location. With the move comes a more extensive menu with exciting new options. Karrage, dumplings, and fried rice are still on the menu, but now there’s also a crab rangoon cheese ball, mapo tofu vol au vent, spicy Korean gnocchi, and Sichuan seafood wonton soup.
The couple behind Wagener Terrace hangout Berkeley’s recently opened their second restaurant, the Archer. They want it to have the same neighborhood vibes but raise the stakes with a full bar and fine dining-level comfort plates. Chef Paul Farmer (formerly of Three Sirens), puts out plates like duck frites, baked oysters, beef stroganoff, chicken liver mousse, and chilled crab dip.
Chubby Fish (most recently visited by Martha Stewart) has smartly expanded into the space next door with another cozy nautical space, but this time, the team is focused on world-class cocktails from Christian Favier (formerly of the Ordinary). Rum figures heavily on the list, but there’s also a delicious smoked dirty martini and plenty of fizzy drinks thanks to a fancy Japanese Suntory highball machine. Customers can order snacks from the ever-changing menu, including oysters, crudos, agnolotti, Iberico ham, and more.
Legami is a new Italian restaurant boasting a chef brought in from Rome by a family with roots in Turin, Italy. Washington Street Hospitality, which controls three Pasta Beach restaurants in New England, thought the King Street building would be another location for Pasta Beach, but decided to switch it up once they got into the historic building. Chef Andrea Congiusta cooks modern Italian fare with some influences from France. “We took inspiration from the classic fine dining, but we also want to have something fun, something that looks very fancy, and something you can crave,” says Congiusta. Dishes include king crab tagliolini, beef Wellington, and veal Milanese.
Modern steakhouse Marbled & Fin is giving all the other steakhouses a run for their money. The expansive dining room fills nightly with well-heeled customers ready to see and be seen. On the menu, chef Eucepe “Cepe” Puntriano includes all the steakhouse classics plus an emphasis on seafood dishes for non-meat eaters. Look for seafood towers, wedge salads, wagyu beef, bone marrow with oysters, creamed spinach, and more.
Charleston is going crazy for soup dumplings, and newcomer Chef Loong Dim Sum delivers. The restaurant offers four flavors (pork soup, chicken soup, pork tomato soup, and truffle pork soup). The rest of the menu is quite extensive as well, with selections ranging from Sichuan mala chicken, crab rangoon, dan dan noodles, mapo tofu, and more.
Chef Micheal Toscano recently opened a taco shop next to his Italian restaurant Le Farfalle. Blanca Estrada is Toscano’s ode to his Mexican mother and grandmother, whose cooking was an early influence on his culinary journey. The kitchen offers a selection of tacos, from cochinita pibil to lengua, several specials, like a lamb neck burrito, and several tequila drinks and pineapple vinegar soda.
Ice-cold martinis with a side of caviar set the vibe at By the Way, a new upscale lounge and restaurant in Cannonborough/Elliotborough hoping to draw a slightly more mature clientele away from King Street. It’s from Uptown Hospitality Group, the folks behind hotspots like Uptown Social and Bodega, in partnership with Craig Conover and Austen Kroll, two stars of Bravo TV’s Southern Charm. Fairly intimate with the feel of an old-world tavern, By the Way serves a menu of trendy pub fare like ’nduja deviled eggs, poutine, fried oysters with caviar, and steak frites.
Charming new hotel the Dunlin offers sweeping views of the Kiawah River, abundant hospitality, and coastal Southern fare in its signature restaurant, Linnette’s. Chef Michael DeCicco puts out dishes like a pressed and pickled watermelon salad, wood-fired oysters, cornmeal-crusted flounder, and a sorghum-benne lacquered steak with charred okra.
Chinese American restaurant Jackrabbit Filly moved up the street to a bigger dining room and more prominent location. With the move comes a more extensive menu with exciting new options. Karrage, dumplings, and fried rice are still on the menu, but now there’s also a crab rangoon cheese ball, mapo tofu vol au vent, spicy Korean gnocchi, and Sichuan seafood wonton soup.
The couple behind Wagener Terrace hangout Berkeley’s recently opened their second restaurant, the Archer. They want it to have the same neighborhood vibes but raise the stakes with a full bar and fine dining-level comfort plates. Chef Paul Farmer (formerly of Three Sirens), puts out plates like duck frites, baked oysters, beef stroganoff, chicken liver mousse, and chilled crab dip.
Chubby Fish (most recently visited by Martha Stewart) has smartly expanded into the space next door with another cozy nautical space, but this time, the team is focused on world-class cocktails from Christian Favier (formerly of the Ordinary). Rum figures heavily on the list, but there’s also a delicious smoked dirty martini and plenty of fizzy drinks thanks to a fancy Japanese Suntory highball machine. Customers can order snacks from the ever-changing menu, including oysters, crudos, agnolotti, Iberico ham, and more.
Legami is a new Italian restaurant boasting a chef brought in from Rome by a family with roots in Turin, Italy. Washington Street Hospitality, which controls three Pasta Beach restaurants in New England, thought the King Street building would be another location for Pasta Beach, but decided to switch it up once they got into the historic building. Chef Andrea Congiusta cooks modern Italian fare with some influences from France. “We took inspiration from the classic fine dining, but we also want to have something fun, something that looks very fancy, and something you can crave,” says Congiusta. Dishes include king crab tagliolini, beef Wellington, and veal Milanese.
Modern steakhouse Marbled & Fin is giving all the other steakhouses a run for their money. The expansive dining room fills nightly with well-heeled customers ready to see and be seen. On the menu, chef Eucepe “Cepe” Puntriano includes all the steakhouse classics plus an emphasis on seafood dishes for non-meat eaters. Look for seafood towers, wedge salads, wagyu beef, bone marrow with oysters, creamed spinach, and more.
Charleston is going crazy for soup dumplings, and newcomer Chef Loong Dim Sum delivers. The restaurant offers four flavors (pork soup, chicken soup, pork tomato soup, and truffle pork soup). The rest of the menu is quite extensive as well, with selections ranging from Sichuan mala chicken, crab rangoon, dan dan noodles, mapo tofu, and more.
Chef Micheal Toscano recently opened a taco shop next to his Italian restaurant Le Farfalle. Blanca Estrada is Toscano’s ode to his Mexican mother and grandmother, whose cooking was an early influence on his culinary journey. The kitchen offers a selection of tacos, from cochinita pibil to lengua, several specials, like a lamb neck burrito, and several tequila drinks and pineapple vinegar soda.
Ice-cold martinis with a side of caviar set the vibe at By the Way, a new upscale lounge and restaurant in Cannonborough/Elliotborough hoping to draw a slightly more mature clientele away from King Street. It’s from Uptown Hospitality Group, the folks behind hotspots like Uptown Social and Bodega, in partnership with Craig Conover and Austen Kroll, two stars of Bravo TV’s Southern Charm. Fairly intimate with the feel of an old-world tavern, By the Way serves a menu of trendy pub fare like ’nduja deviled eggs, poutine, fried oysters with caviar, and steak frites.
Charming new hotel the Dunlin offers sweeping views of the Kiawah River, abundant hospitality, and coastal Southern fare in its signature restaurant, Linnette’s. Chef Michael DeCicco puts out dishes like a pressed and pickled watermelon salad, wood-fired oysters, cornmeal-crusted flounder, and a sorghum-benne lacquered steak with charred okra.
JOHNS ISLAND, S.C. (WCSC) - Our Lady of Mercy Community Outreach on Johns Island is making sure adults know it is never too late to further their education with their GED program.The South Carolina Revenue and Fiscal Affairs office estimates over 315,000 adults in the state between 18 and 65 have less than a high school diploma from 2018 to 2022. Charleston County alone tallies just over 1...
JOHNS ISLAND, S.C. (WCSC) - Our Lady of Mercy Community Outreach on Johns Island is making sure adults know it is never too late to further their education with their GED program.
The South Carolina Revenue and Fiscal Affairs office estimates over 315,000 adults in the state between 18 and 65 have less than a high school diploma from 2018 to 2022. Charleston County alone tallies just over 18,000 in those numbers.
Adults 21 and older can sign up on the first day of the organization’s 14-week GED program starting Tuesday from 9 a.m. to noon.
The second day of registration takes place Jan. 21. Leaders say it is required for interested students to participate during the entire session to register. Registration will take place at the Johns Island branch at 1684 Brownswood Road.
Education Coordinator for Our Lady of Mercy Community Outreach, Lara Vo, says parents and older adults typically join the course. The education coordinator says older adults want to qualify for jobs with less physical labor. Vo says she finds the push for higher education inspiring.
“That self-determination and that empowerment within themselves to reach this goal because they feel like they deserve it, is something that I think is really inspiring and fairly common with a lot of our students,” Vo says. “We also have a lot of folks that are trying to get it because they want to improve their lifestyles.”
The organization partners with Charleston County School District’s Adult Education program. The program pays for testing fees for students which can run between $150 to $174 dollars in total depending on in-person or online testing.
Students also receive help through the organization’s career services.
“Once you get your GED, if you want, or even before you get your GED, we can meet with you and talk to you about resumes, interviews, things that you can do right now to improve your life if it’s coming for a job,” Vo says.
Other requirements for class registration include being 250% below the federal poverty line. The annual income for a family of four in this range is $78,000.
Leaders with the organization’s education outreach center have other programs available to the younger community. Volunteers participate in an after school academic support program in partnership with Angel Oak Elementary school. The program uses mentors to support 16 children from second to fifth grade on homework help and behavioral help.
Information on getting involved with the organization is on their website.
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