Mortgage Broker in Johns Island, 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 Johns 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.

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 Broker Johns Island, SC
 Mortgage Company Johns Island, 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.

 Mortgage Lending Service Johns Island, SC
 Refinancing Johns Island, 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 Johns 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:

  • 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 Johns 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.

Contact Us For Service !

phone-number (843) 822-5685
 Refinances Johns Island, SC

Latest News in Johns Island, SC

Vandalism causes 60-gallon diesel spill on Johns Island: Charleston Water System

CHARLESTON COUNTY, S.C. (WCIV) — Clean-up efforts are underway after vandalism resulted in a 60-gallon diesel fuel spill on Johns Island, officials with Charleston Water System said Monday.The diesel fuel spilled into a stormwater ditch behind homes along Colonel Harrison Drive that leads to the Stono River. Residents initially discovered and smelled the fuel spill over the weekend. The South Carolina Department of Health and Environmental Control was called on Sunday to help with the spill.Read more: ...

CHARLESTON COUNTY, S.C. (WCIV) — Clean-up efforts are underway after vandalism resulted in a 60-gallon diesel fuel spill on Johns Island, officials with Charleston Water System said Monday.

The diesel fuel spilled into a stormwater ditch behind homes along Colonel Harrison Drive that leads to the Stono River. Residents initially discovered and smelled the fuel spill over the weekend. The South Carolina Department of Health and Environmental Control was called on Sunday to help with the spill.

Read more: "Successful oil spill cleanup in Charleston by Coast Guard, no marine life threats."

“Our contractor cleaned up a portion of the spill, immediately called in a professional environmental remediation company, and notified SC DHEC and the EPA’s National Response Center,” said Mike Saia, Charleston Water System's public information administrator. “It may take several days for them to recapture all remnants of the fuel.”

This is the third instance of vandalism to contractor equipment in recent weeks, and the Charleston County Sheriff's Office is investigating.

“I mean it is a very, in depth vandalism. It's not just a rock through the window. It’s someone who came out here to destroy this 200-something thousand-dollar machine,” said Chad Hunter, owner of Hunter Landworx Construction, the contractor onsite.

Hunter showed up to his Johns Island job site Monday expecting to quickly finish a project he’s been working on since October. Instead, he found his machinery completely vandalized.

“There are wires in there, cut and hidden like that. We wouldn't be able to find it if we didn't see that all the fuel around it, my guys would've gotten in the machine. He put rocks and all in our engine to try to blow the engine up,” Hunter said.

But the damage doesn’t stop there.

Read more: "Suspicion arises over two Colleton County mobile home fires in three days."

The vandalism led to a 60-gallon diesel fuel spill into the surrounding area along the Stono River. Charleston Water System owns the construction project, and its staff says they’ve never seen damage this bad.

“We don't see a lot of vandalism. If we do, it's very, very minor, and easy to repair. But this is a different situation because not only did the person damage the equipment related to the job, but they've also damaged the environment,” Saia said.

Saia said they were able to soak up as much of the liquid fuel as possible and the Coast Guard confirmed to CWS that the spill didn't reach the river.

Now, Hunter must pick up the pieces.

He said the damage to his machine alone will cost a few hundred thousand dollars and his crews are now behind on all their current projects.

“We're out here to clean up somebody's mess as well as take time from our family and slow down the project. I mean, it's hurting everybody, the neighborhood, everything around us is just getting messed up from one person,” Hunter said.

“One hour's worth of work is causing weeks of fix-up.”

News 4 has reached out to CCSO for more information.

$277M hospital proposed for Johns Island

Trident Medical Center has submitted a Certificate of Need to the South Carolina Department of Health and Environmental Control to build a $277 million hospital on Johns Island. The application is for a 50-bed acute care hospital between Maybank Highway and Cane Slash Road, across from the Live Oak Square development.Projections for Johns Island Hospital show that within the first three years it will create nearly 300 jobs, contribute $10 million in non-income taxes to support the community and pay $70 million in salaries, wages and b...

Trident Medical Center has submitted a Certificate of Need to the South Carolina Department of Health and Environmental Control to build a $277 million hospital on Johns Island. The application is for a 50-bed acute care hospital between Maybank Highway and Cane Slash Road, across from the Live Oak Square development.

Projections for Johns Island Hospital show that within the first three years it will create nearly 300 jobs, contribute $10 million in non-income taxes to support the community and pay $70 million in salaries, wages and benefits, the organization said in a release.

“We are excited to continue making medical care more accessible to residents in our historically underserved communities,” Trident Health President and CEO Christina Oh said in the news release. “Currently on Johns Island and neighboring communities, it can take residents 30 to 45 minutes to drive to their nearest hospital, and often longer in heavy traffic and inclement weather. Our goal is to increase access to timely, high quality and affordable health care services.”

Trident Medical Center’s chief of the medical staff and medical director of emergency services, Dr. Scott Hayes, said he sees firsthand the results of delayed care.

“For residents who live far from emergency medical care and who may be experiencing a medical emergency like a heart attack or a stroke, minutes can mean the difference between life and death,” he said in the news release. “Access to care close to home is critical, especially in areas like Johns Island and the surrounding communities, that have frequent traffic delays.”

Trident Health surgeon Dr. Thomas Litton, who lived on Johns Island for 20 years and recently moved from there largely due to increasing traffic congestion and limited access routes off the island, said, “The rapid population growth and development of Johns Island, as well as its role as the sole gateway to Kiawah, Seabrook and Wadmalaw Islands, has created a strong need for a full-service hospital in the area. Residents on those islands have never had a full-service hospital. Trident’s hospital on Johns Island and their freestanding ER on James Island will greatly improve residents’ access to much-needed medical care.”

Johns Island Hospital will be located seven miles from James Island Emergency, Trident’s new freestanding ER at 945 Folly Road, Charleston, that will open in the next few weeks.

Plans call for Johns Island Hospital to have 50 beds with space to expand to 150 beds, 40 medical/surgical/stepdown beds, 10 ICU beds, 20 ER rooms, four operating rooms, two endoscopy suites and a cardiac catheterization lab. The hospital also would have two CT scanners, an MRI, two diagnostic radiology suites and a fluoroscopy room.

In addition to the hospital, services would include medical offices for primary care and specialists as well as outpatient imaging and support such as breast imaging, rehabilitation and other outpatient therapy services.

“From our first discussions about building a hospital on Johns Island, we have been committed to creating a thoughtful plan that preserves the natural beauty of Johns Island,” Oh said in the release. “We will honor the strong Gullah Geechee cultures of the community; we will partner with the areas’ community and businesses; and will promote the important and unique contributions of Johns Island’s agricultural community.”

The proposed Johns Island Hospital is in addition to nearly $140M in capital investments currently underway at Trident Health’s hospitals, Trident Medical Center and Summerville

Newcomer Lost Isle Takes Backyard Barbecue to the Next Level on Johns Island

“Indoor“Indoor or outdoor dining?” isn’t a question at Johns Island restaurant Lost Isle (3338 Maybank Highway), because all the tables are al fresco. The small white building next to the Tattooed Moose on Maybank Highway looks like it could be a family home, but behind the humble structure are sparkling chandeliers hanging from the live oaks and an expansive outdoor dining area sitting next to a wood-fired kitchen....

“Indoor“Indoor or outdoor dining?” isn’t a question at Johns Island restaurant Lost Isle (3338 Maybank Highway), because all the tables are al fresco. The small white building next to the Tattooed Moose on Maybank Highway looks like it could be a family home, but behind the humble structure are sparkling chandeliers hanging from the live oaks and an expansive outdoor dining area sitting next to a wood-fired kitchen.

Restaurateur T.J. Lynch from Folly Beach bar Lowlife (106 E. Hudson Avenue) teamed up with entrepreneur Thomas Wilson and chef Josh Taylor (formerly of Root Note Food) to bring a new dining experience to Johns Island. Lynch says, “Imagine if you had roommates and one was a chef and was a bartender, and you threw a dinner party in your backyard — it’s like that.”

The focus of the menu is live fire. Taylor says he drew inspiration from cultures that use open-flame cooking like Argentina and Southeast Asia. On the menu, diners will find grilled shrimp with harissa cauliflower puree and crispy chorizo, charcoal chicken with a tamarind chili glaze and lemongrass salsa verde, and roasted carrots in a brown butter hazelnut sauce. One of the early standouts from the menu is the curry braised collards. Taylor says he was inspired by a trip to Thailand when thinking about the greens, so he created a khao soi broth to simmer the collards and added bread crumbs for texture.

“The menu goes from smaller to mid-size to larger plates to shareable plates,” says Wilson, “It is really flexible, and I suggest that tables order plates to share. Everyone will have something to choose from.”

As far as the beverages, the group says they wanted the selections to be interesting and enjoyable. “We tend to try not to take ourselves too seriously,” says Lynch, “We wanted the drinks to be tasty, fun, and accessible — not too pretentious or complex. We hope you’ll have a good time and not have to worry so much about what’s in the glass.” Lost Isle has several beers, cocktails, and wines all on tap, from the outdoor bar.

Lost Isle officially opens this evening and is open daily, from 4 p.m. to 11 p.m. Take a look at a sample menu here.

Editorial: Here's a solid plan for speeding up traffic relief on Johns Island

For years, we have urged local and state transportation planners to become more aggressive in pursuing smaller-scale traffic solutions for Johns Island, where congestion, particularly during regular commuting hours, has become the island's No. 1 challenge.So it was encouraging last week when Charleston Mayor John Tecklenburg...

For years, we have urged local and state transportation planners to become more aggressive in pursuing smaller-scale traffic solutions for Johns Island, where congestion, particularly during regular commuting hours, has become the island's No. 1 challenge.

So it was encouraging last week when Charleston Mayor John Tecklenburg and Charleston County Council members Joe Boykin and Jenny Honeycutt met with the media to discuss their plans for advancing these solutions, which include adding lanes to Maybank Highway between the Stono River and River Road, reviving plans for a southern pitchfork that would create a new road off Maybank between the Stono River bridge and River Road and realigning Cane Slash Road to meet up better with that new southern pitchfork. "Until now there wasn't a firm commitment by both governments to do this," Mr. Tecklenburg said. "That's what's new."

All those projects hold the promise of easing congestion significantly on that part of the island. Now that local support for them seems stronger than ever, the challenge is to expedite them and find the money needed to build them. We have an idea there.

Instead of County Council committing $75 million of its 2016 transportation sales tax referendum proceeds to further planning work for extending Interstate 526 across Johns and James islands, it should divert at least half of that toward funding these smaller, less costly and far less controversial projects, which can be built far more quickly and provide relief much sooner.

Diverting that money should not harm I-526, which remains in limbo until County Council comes up with a financing plan to cover most of its $2.2 billion cost (the state has capped its contribution at $425 million). While there's talk of asking voters to approve yet another half-cent sales tax to raise that money in November 2024, we're skeptical that it will pan out.

While the State Infrastructure Bank has agreed to match the county's $75 million for 526 by releasing $75 million more of its $425 million commitment, we urge the state's Joint Bond Review Committee to reject that contribution at least until the county has a firm plan to finish the project, not simply a notion to hold another referendum.

Johns Island has seen worsening congestion not only because of its growth but also because the specter of 526's extension has seemed to slow any meaningful progress on the smaller but still significant improvements that would ease congestion.

We're not referring only to the projects officials discussed last week. The planned flyover at Main Road and U.S. Highway 17 is an equally critical and popular project to improve traffic flow at the other end of the island. We're dismayed construction work on it hasn't begun yet, even though that was one of the projects promised in the 2016 sales tax referendum.

And that's too bad, because those projects are very much worth completing even if I-526 ultimately gets extended. If that project ultimately dies, as we hope it does, the need for these smaller improvements will be even greater.

Letters: Johns Island must balance rural life, new developments

The vast majority of Johns Island is rural. Expanses of farms, equestrian trails, hunting, wildlife and tree canopies draw visitors worldwide. This makes Johns Island one of a kind.It is the reason I moved back here after 30 years of visiting yearly to restore my soul.The urban growth on Maybank has drawn wonderful businesses and world-class...

The vast majority of Johns Island is rural. Expanses of farms, equestrian trails, hunting, wildlife and tree canopies draw visitors worldwide. This makes Johns Island one of a kind.

It is the reason I moved back here after 30 years of visiting yearly to restore my soul.

The urban growth on Maybank has drawn wonderful businesses and world-class restaurants, making Johns Island a destination.

Johns Islanders have worked to maintain this balance by coming together to collaborate with local government and other partners to create and implement tools, including the urban growth boundary and rural zoning districts.

These actions have helped Johns Island avoid the fate of becoming a cookie cutter community and keep its special natural rural beauty, culture and ecosystem intact.

This comes with a constant awareness of new developments and a vigilant effort to maintain and preserve the balance of this way of life for future generations.

If we are not intentional in future development, our beloved islands will soon be destroyed.

Some believe extending Interstate 526 will solve this. But I believe it will only bring more traffic that could destroy the wildlife, ecosystem and uniqueness of Johns Island.

Island residents still have the opportunity to maintain a balance of rural and urban areas. Extending I-526 would irreparably tip the scales.

ROBIN DYESS

Johns Island

The Dec. 16 commentary by Sara Hazzard, president and CEO of the South Carolina Manufacturers Alliance, is about union Grinches.

But it might be titled, “There is no joy in Mudville — mighty Casey has struck out,” from the poem, “Casey at the Bat,” by Ernest Lawrence Thayer. The poem is about Casey’s overconfidence when he strikes out. He let two pitches fly by as strikes before missing the next pitch.

Right-to-work states are swinging and missing the ball. Labor unions were created in order to help workers with work-related difficulties such as low pay, unsafe or unsanitary working conditions, long hours and other situations.

Unions bring higher wages for the lowest-paid workers.

According to the U.S. Bureau of Labor Statistics’ annual report on union membership published last January, “Workers who are members of labor unions in the U.S. make 18% more than their nonunion counterparts.”

Which group would you want to be part of?

NANCY ZETTLER

Mount Pleasant

Thank you for Mark Powell’s delightful New Year’s commentary, “Firsts on the First: A quiz for New Year's Day.”

This reminded me of the power of mind over matter, especially the comments on cigarette commercials being banned when President Richard Nixon signed legislation.

It’s been 54 years, and I can still hear the jingle, “Winston tastes good like a cigarette should.”

How pitiful for the child who heard that, believed it and stayed hooked on nicotine for 30 years.

I haven’t smoked in more than 30 years.

Now if we could just get legislation to ban beer commercials, we would have a less drugged America. No one wants to believe alcoholics start with a first taste of beer. I, for one, know better.

“This Bud’s for you.”

To a happy, healthier new year.

SUE GEORGE

Summerville

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