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 Kiawah 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 Kiawah Island natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Kiawah 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 Kiawah 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 Kiawah 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.
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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 Kiawah 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 Kiawah 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.
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The South Carolina House of Representatives slipped funding for a $32 million legal settlement into the 2026-2027 budget – despite failing to even discuss the controversial payout during the committee process.The appropriation would end decades of litigation, appeals, and mediation over on Kiawah Island – an exclusive barrier island located approximately 25 miles southwest of Charleston, S.C.The settlement involves the Conservancy of the Sea Islands, the Town of Kiawah Island, the ...
The South Carolina House of Representatives slipped funding for a $32 million legal settlement into the 2026-2027 budget – despite failing to even discuss the controversial payout during the committee process.
The appropriation would end decades of litigation, appeals, and mediation over on Kiawah Island – an exclusive barrier island located approximately 25 miles southwest of Charleston, S.C.
The settlement involves the Conservancy of the Sea Islands, the Town of Kiawah Island, the Kiawah Island Community Association, Kiawah Partners and the State of South Carolina. If it makes its way into the final version of the spending plan, it would compensate developers for lost income from a land parcel that extends from Beachwalker Park to the Kiawah River after the state compelled developers not to construct housing there due to ecological concerns.
Under the agreement, the land would be placed into a conservation easement held by the Conservancy of the Sea Islands. This easement would eliminate future residential development rights and preserve the land in its natural state. The spit is one of the few remaining undeveloped native habitats for multiple Palmetto State native species, including sea turtles and migratory birds.
If the deal goes into effect, the Town of Kiawah Island would acquire ownership of Beachwalker Park ensuring public access to the beach, while the state would take ownership of the remaining land, with portions potentially designated as a Heritage Trust Preserve under the auspices of the S.C. Department of Natural Resources (SCDNR).
Skeptics of the appropriation agree the land should be preserved, but insist developers were forewarned that their speculative investments would be valueless at the time they decided to buy the land, and are therefore unlikely to prevail in legal challenges demanding the state compensate them for lost potential revenue.
Opponents of the settlement argued during the budget debate on Tuesday evening (March 10, 2026) that regardless of the validity of the deal, it is unfair to ask lawmakers to approve a multi-million dollar expenditure that wasn’t discussed as the budget made its way through the committee process.
S.C. Freedom Caucus’ chairman Jordan Pace protested the line item – opposition unexpectedly buttressed by representative Gil Gatch, who pointed out during the floor debate that the developers have already struck out repeatedly in state courts.
Gatch, a lawyer-legislator, also claimed federal case law in support of the plaintiff’s case was shaky at best.
“Why would the attorney general settle with the developers in Kiawah when the developers don’t have a legal theory to win,” Gatch asked, questioning why attorney general Alan Wilson would “give a handout to the developers.”
Wilson’s office declined to comment on the settlement citing it’s inability to speak about pending litigation.
“I wanted to amend (the budget) to take ninety days to do due diligence to make sure that what we’re doing makes sense,” state representative Joe White told FITSNews in an interview conducted the day after the House approved funding for the settlement in the budget. “The ramifications for the future of South Carolina are that once you settle one of these out of court without litigating, every developer in South Carolina can claim ‘you cheated me out of something, and now the state owes me something.'”
White warned the case “could alter for the future what we can defend in South Carolina.”
After having conversations with attorneys familiar with this type of litigation, White said he wanted more due diligence done on the recommendation from the attorney general’s office that the state settle the case.
“I talked to administrative law judges here in South Carolina that said we would win this lawsuit if we pushed it forward,” White said.
White likened the deal to the General Assembly’s decision to ramrod Scout Motor’s economic development deal, which was also was also expeditiously funded with astonishingly little public input or oversight.
“This is similar to the Scout Motor deal which I voted against three years ago,” he said. “We did no due diligence on that, we did no due diligence on this. It never went to subcommittee or committee in the House. It just appeared in the budget, and most of the legislators knew nothing about it until last night.”
White lamented their approval of the expenditure, but added the process has run its course in the House.
“We approved it,” he said. “It’s done.”
Opponents of the appropriation must now rely on the S.C. Senate to remove it from the state’s spending plan, as governor Henry McMaster – who included the expenditure in his executive budget – is obviously not going to veto the money in the event it makes it to his desk.
(Via: Travis Bell)
Dylan Nolan is the director of special projects at FITSNews. He graduated from the Darla Moore school of business in 2021 with an accounting degree. Got a tip or story idea for Dylan? Email him here. You can also engage him socially @DNolan2000.
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The phrase “island vacation” may evoke images of turquoise Caribbean waters, bright white beaches, and temperatures over 80 degrees even in the depths of winter. But islands directly off the Southern U.S. mainland do it a little differently—and no two are the same.South Carolina islands have palmetto trees growing alongside ferns and pines. Georgia’s barrier islands, including St. Simons and Jekyll Island, boast diverse landscapes made up of beaches, marshes, dunes, and maritime forests. And Texas islands, with...
The phrase “island vacation” may evoke images of turquoise Caribbean waters, bright white beaches, and temperatures over 80 degrees even in the depths of winter. But islands directly off the Southern U.S. mainland do it a little differently—and no two are the same.
South Carolina islands have palmetto trees growing alongside ferns and pines. Georgia’s barrier islands, including St. Simons and Jekyll Island, boast diverse landscapes made up of beaches, marshes, dunes, and maritime forests. And Texas islands, with their shallow bays and seagrass meadows, are home to extensive wildlife.
No, not all of these Southern islands offer year-round swimming conditions, but they do have their own unique appeal, even in the colder months. To help pick the top islands in the South, we tapped Mary Helen Law, a Georgia-based travel advisor and owner of Law Luxury Travel.
Law describes Longboat Key as “one of the region’s best-kept secrets." Located on Florida's Gulf Coast, the quiet barrier island is just a 20-minute drive from Sarasota, making it relatively easier to get to if you’re flying to the Sunshine State. The island does lean more residential—and, thus, the beaches are typically less crowded—but there’s still plenty to do if you want to stay busy. Activities range from kayaking with dolphins and manatees to sunset cruises and pickleball matches. Plus, Law notes that with the 2024 opening of The St. Regis Longboat Key Resort, “visitors can now enjoy elevated luxury alongside beloved local favorites like Shore and Whitney’s.”
Neighboring Hilton Head Island may have more name recognition, but Daufuskie Island earns a spot on this list due to its remoteness (it’s only accessible by boat), incredible beauty, and dedication to preserving its Gullah culture. Visitors can take in everything that makes Daufuskie so special in a variety of ways. Start by enjoying a classic beach day on its three miles of public beaches, or head out on horseback with Daufuskie Trail Rides. Take a tour with sixth-generation native Sallie Ann Robinson, who specializes in Daufuskie Island history, then pop into Daufuskie Island Distillery to sample some of its American-made rum. The island also features a number of historical sites—First Union African Baptist Church and the Bloody Point Lighthouse among them—and the best way to see as many as possible, and get around the island in general, is via golf cart.
“Call it cheating, since the Golden Isles is a collection of islands off Georgia’s southern coast, but it’s nearly impossible to pick just one,” says Law. “Choose Sea Island for a luxury retreat at The Cloister, Cumberland Island for the simplicity of roaming horses and untouched landscapes, St. Simons Island for lively beaches and dining options, or Jekyll Island for a vacation full of old-world charm.” No matter which island you visit, you can expect a relaxed atmosphere with gorgeous sunsets, mild weather, and some of the best meals you’ve had in your life (Southern Soul Barbeque on St. Simons is a highlight).
If you’re searching for a tropical vacation spot but want to stay stateside, look no further than Dauphin Island. A barrier island in the Gulf of Mexico, the 14-mile-long destination is known for its clear blue water and picturesque white sand. It’s also affectionately called the “sunset capital of Alabama,” a title you’ll quickly understand as you take in the horizon on the far west end of the island. To reach the island, you’ll need to come by ferry or via the three-mile bridge that connects it to mainland Alabama. Upon arrival, the world is your oyster. Explore the 164-acre Audubon Bird Sanctuary, Shell Mound Park, and Historic Fort Gaines. Alternatively, you can spend your days on the water, kayaking, snorkeling, or paddleboarding until dinnertime.
“A sleepy beach town known for its rich history, Pawleys Island is home to independent restaurants—such as Chive Blossom, Bistro 217, and Frank's Outback—several art galleries featuring the work of local artists, and Downtown Pawleys, a quaint shopping area surrounding a tranquil pond,” says Law. A little under four miles long, the island is easily explored on foot or by bike, and visitors spend their days fishing, crabbing, golfing, or just appreciating the beauty and the slower pace, preferably while lounging in a locally made hammock. “A visit wouldn’t be complete without exploring the historic Hammock Shops, where handcrafted rope hammocks have been a tradition for generations,” adds Law.
The Outer Banks of North Carolina are made up of several islands, stretching from the Virginia border to Ocracoke Island. One of the best ones to visit is Hatteras Island, home to Pamlico Station by Edgecamp, a coastal hotel designed by Jonathan Adler that opened in 2024. Dotted with towns like Rodanthe, Salvo, Waves, and Hatteras Village, the barrier island is long—nearly 50 miles from end to end. With that much space, visitors and locals alike have plenty of room for water sports, leisurely beach days, and sightseeing. Notably, kiteboarding and windsurfing are extremely popular on the island; if it’s your first day, sign up for a private or semi-private lesson with Real Watersports.
South of the Golden Isles, just over the maritime boundary between Georgia and Florida, is Amelia Island. “Spanish moss drapes across oak trees as you cross the bridge onto a stunning Amelia Island, where visitors can enjoy nearly empty beaches, five championship golf courses, and a variety of land and water activities for all ages,” says Law. It’s a true family-friendly destination with a range of accommodations, including the luxurious Ritz-Carlton, Amelia Island and Omni Amelia Island Resort & Spa—both of which come recommended by Law—and charming bed-and-breakfasts housed in the historical buildings downtown. Law adds that the island has “an active food scene.” with “everything from tapas at España, a nod to former Spanish rule of the island, to local seafood cuisine at Down Under, a favorite oyster bar for locals.”
Many non-Texans may associate the Lone Star State with miles and miles of flat, landlocked plains, but this part of the world has an impressive amount of variation in its climate and landscape. Take South Padre Island, for example: a tropical paradise on the Gulf of Mexico, just off the southern tip of Texas. It’s warm year-round, has 34 miles of white-sand beaches and blue water, and gets more than 300 days of sunshine annually. Like many of the best islands in the South, this is a place where you can be as relaxed or as busy as you want. Spend your days chartering a boat, learning about wildlife at South Padre Island Birding, Nature Center, and Alligator Sanctuary, or horseback riding along the beach at Island Adventure Park.
“Some might call Kiawah Island a golfer's paradise,” says Law, “but don't discount this 10-mile-long oceanfront resort as anything less than a perfect destination for the entire family.” Along with the famed Ocean Course, which hosted the 2012 and 2021 PGA Championships, Kiawah has miles of bike paths, wide beaches, and salt marshes teeming with wildlife. There are various vacation rentals available on the island—some oceanfront, some riverfront—but Law says you’ll find “ultimate relaxation” at The Sanctuary, a repeat winner in Travel + Leisure's World’s Best Awards.
Ship Island is 12 miles off the coast of Mississippi. The barrier island, which is part of Gulf Islands National Seashore, is a true getaway in every sense of the word. According to the National Park Service, cell phone service is limited, and the island is only accessible by boat. While there's no lodging on Ship Island and camping is not allowed, visitors can take advantage of its Caribbean-like waters and white-sand beaches during the day. Chairs and umbrellas are available to rent at the designated swimming beach, which has amenities like restrooms, drinking water, and a snack stand to keep you comfortable. Just be sure to bring plenty of sunscreen and stay hydrated—summers here are notoriously hot and sunny.
KIAWAH ISLAND, S.C (WCIV) — A settlement reached after nearly two years of negotiations is said to guarantee the permanent protection of Captain Sams Spit, a haven for nature lovers for decades, according to a release from the Conservancy of the Sea Islands.“It will be preserved. There will never be a building there," said Executive Director of the Conservancy of the Sea Islands Donna Windham.The agreement, made between the Conservancy of the Sea Islands, the Town of Kiawah Island, Kiawah Island Community Assoc...
KIAWAH ISLAND, S.C (WCIV) — A settlement reached after nearly two years of negotiations is said to guarantee the permanent protection of Captain Sams Spit, a haven for nature lovers for decades, according to a release from the Conservancy of the Sea Islands.
“It will be preserved. There will never be a building there," said Executive Director of the Conservancy of the Sea Islands Donna Windham.
The agreement, made between the Conservancy of the Sea Islands, the Town of Kiawah Island, Kiawah Island Community Association, Kiawah Partners and South Carolina, still needs to be legally approved. However, once that is finished, the entirety of Captain Sams Spit – from Beachwalker Park to the end of the Spit – will be under a conservation easement holder and steward. The Town of Kiawah will control the Beachwalker Park parcel. Meanwhile, South Carolina will take ownership of the remaining portions of the Spit.
"Captain Sams Spit is truly a unique natural treasure," Kiawah Mayor Bradley D. Belt said.
The town will be able to continue all ongoing activities, enforcement, and wildlife research. Additionally, Beachwalker Park will remain in public hands, assuring access to the beachfront.
The state is planning to contribute $32 million to the conservation of the area, while the town puts in $3.7 million and the conservancy $1.3 million. Officials tied to the settlement say Gov. Henry McMaster is in strong support of the measure.
The conservation easement prohibits development and would significantly restrict human impact across Captain Sams Spit, according to the announcement.
The settlement also establishes a framework for long-term coordination among municipal, state and nonprofits, ensuring oversight for future generations, officials said.
Kiawah Island residents say they are pleased by the outcome.
“It's a one-of-a-kind place. We need to protect it, so I'm thrilled," says resident Kathy Ladner.
“One of the reasons people come to this place is to see the natural part of it and live with nature," said resident Carol Medendorp. "We need Captain Sam's to be Captain Sam's and be able to see the dolphins and the turtles.”
The peninsular spit is attached to the southern end of Kiawah. It provides a habitat for federally threatened species, including the rufa red knot, piping plover and loggerhead sea turtles. The area also supports diamondback terrapins and bottlenose dolphins.
It has been the site of intense legal wrangling, as the Kiawah sought to ensure the area saw limited development and environmental preservation. With the newly announced agreement, officials believe that conservation of the area is a top priority.
“It means we get to protect a very important spot, not only for the wildlife on the island, but we also get to protect an area where we get to study this wildlife," said Lee Bundrick, a senior Ecological Health and Conservation Coordinator with the Conservancy of the Sea Islands. "We want people to connect with nature because we're just as much as part of nature. And being out in nature is just as important as protecting it as well."
Peggy Barnes, chair of the Conservancy of the Sea Islands board of trustees, added: “Captain Sams Spit is an invaluable habitat for birds, mammals, reptiles, amphibians and crustaceans. Placing the entire Spit under conservation easement ensures these habitats are preserved in perpetuity, benefiting rare, threatened and endangered species. This is a defining conservation achievement for our organization and for the South Carolina coast.”