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.
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.
Beachwalker Park on Kiawah Island was once again ranked the best beach in the Carolinas in the latest annual list from geoscientist Stephen “Dr. Beach” Leatherman.“This is a nature-lovers coast so visitors can bring their canoes and kayaks to paddle through the tidal inlets,” according to the 2025 list. “It is also fun to walk or bicycle down the fine-grained sand beach to Captain Sam’s Inlet to see thousands of birds.”...
Beachwalker Park on Kiawah Island was once again ranked the best beach in the Carolinas in the latest annual list from geoscientist Stephen “Dr. Beach” Leatherman.
“This is a nature-lovers coast so visitors can bring their canoes and kayaks to paddle through the tidal inlets,” according to the 2025 list. “It is also fun to walk or bicycle down the fine-grained sand beach to Captain Sam’s Inlet to see thousands of birds.”
Leatherman, the director of the Florida International University Laboratory for Coastal Research has ranked the 10 best beaches in the United States every year since 1991. He assigns beaches numerical scores one through five on more than 50 criteria. Factors include natural criteria, like sand softness, water temperature and rip currents, as well as social criteria like access, amenities and lifeguards.
“The water is not clear, but it is clean and provides fantastic seafood,” Leatherman wrote of Beachwalker Park.
The Kiawah Island beach came in at number six this year, dropping a spot from the 2024 list. Beachwalker Park was only beach in North or South Carolina to make this year or last year’s lists, but Ocracoke Lifeguard Beach in North Carolina won first place in 2022.
This year New York took the top spot, with two entries on the list. Hawaii had the most beaches ranked in 2025, with four in the top 10 list.
10. Coast Guard Beach
Cape Cod, Massachusetts
9. Lanikai Beach
Oahu, Hawaii
8. Kaunaoa
Big Island, Hawaii
7. St. Andrews State Park
Panama City, Florida
6. Beachwalker Park
Kiawah Island, South Carolina
5. Main Beach
East Hampton, New York
4. Delnor-Wiggins Pass State Park
Naples, Florida
3. Poipu Beach
Kauai, Hawaii
2. Wailea Beach
Maui, Hawaii
1. Coopers Beach
Southampton, New York
If you click on links we provide, we may receive compensation.We asked our readers to vote for their favorite spots for fresh catch and local shrimp in the Palmetto State—here are their picks.When in Rome, do as the Romans do. When in South Carolina, find the nearest seafood dive and tuck into a platter of fried sh...
If you click on links we provide, we may receive compensation.
We asked our readers to vote for their favorite spots for fresh catch and local shrimp in the Palmetto State—here are their picks.
When in Rome, do as the Romans do. When in South Carolina, find the nearest seafood dive and tuck into a platter of fried shrimp—preferably one served with an ice-cold beer and an unobstructed view of the water. While you can take to Google or a guidebook to determine where to go for steamed oysters or shrimp and grits in the Lowcountry, we decided to consult the folks who care about good Southern seafood as much as we do: our readers.
When you’ve been around for more than 75 years, you’re bound to be doing something right. At this beloved institution in the fishing village of Murrells Inlet, try not to load up on the hot hush puppies they bring to the table on arrival—though it's awfully tempting. There's still so much more to savor, like the hand-peeled, cold-boiled shrimp pulled from the waters of nearby McClellanville or the thin and crispy onion rings—Lee’s is as famous for those as it is for the seafood.
Order: The Shrimp Salad ($28.95), made with boiled fantail shrimp and Duke's mayo, is another house specialty.
It doesn’t get much fresher than this Hilton Head Island mainstay, where 90% of the seafood served comes directly from the surrounding waters. Because of its enviable position on the edge of Port Royal Sound, guests can watch a local fishing fleet (one of only two on the island) unload the day’s loot, which could include anything from white shrimp to soft-shell crab.
Order: From September through April, opt for the steamed local cluster oysters in the shell ($12 for a half bucket); the restaurant farms and harvests them.
Should you find yourself in the Holy City, make the worthwhile dirt-road detour to this family-owned restaurant that’s been a rambling fixture along Folly Creek since 1946. With its graffitied walls and worn-in wood floors, it doesn’t beg for attention, and it doesn’t need to. Deemed an American Classic by the James Beard Foundation in 2006, the Lowcountry seafood joint shovels fresh-steamed oysters onto trays September through the first half of May and dishes fried shrimp and hush puppies year-round. It’s all delicious—and it's made even more so if you snag a seat on the waterside deck.
Order: The shrimp (served boiled or fried) and fried fish platter is served with the seafood-dive-side-dish trifecta: french fries, hush puppies, and coleslaw.
Situated on the main drag of the freewheeling beach town just 12 miles from buttoned-up Charleston, The Crab Shack is as family-friendly and flip-flop casual as its surrounds. Start with the the she-crab soup, but save room: The value seafood baskets—which you can order with flounder, shrimp, or scallops (or a combination of all three)—are generously portioned. Catch them at another location in Charleston as well.
Order: The marquee offering, The Charleston Steamed Seafood Bucket, includes two snow crab clusters, large domestic shrimp, and steamed oysters (market price).
Housed in a reimagined garage on Upper King Street, the Brooks Reitz-helmed restaurant turned 10 in 2024, but it’s been a neighborhood favorite from the start, thanks to a menu of mouthwatering fried chicken, expectedly fresh oysters, and surprisingly craveable salads. Add to the clever mix soft-serve ice cream and buckets of Miller High Life ponies, and you’ve found yourself one of the best meals in this restaurant-proud town.
Order: Even the bivalve-averse crowd may develop a taste for oysters after sampling Leon's char-grilled take, which swim in a melty swirl of lemon and butter and are topped with a generous sprinkle of parmesan. The "old-school" scalloped potatoes are also not to be missed.
Don’t let inevitable line out the door during summertime scare you off. This treasured counter-service spot with just 40 seats is an area favorite thanks to its wide array of offerings, from conch fritters to flounder sandwiches. It’s all made to order and to your liking—fried, grilled, or blackened. Wash it down with a glass of what they declare to be the best sweet tea on the island, and finish with a slice of strawberry Key Lime pie (when it’s seasonally available) or a cup of banana pudding.
Order: Hearty appetites should try the Shack Attack Combo ($17.95 for lunch, $19.95 for dinner), which combines a crab cake, fish, shrimp, scallops, and oysters on a giant paper platter. Homemade tartar sauce is the traditional accompaniment, but we think the brandy-infused gator sauce makes an even better platter slather.
With its lofted ceilings, lacquered-wood booths, and commitment to retro branding, this Sullivan’s Island joint feels like it’s been there forever. In reality, it’s a newcomer—a spring 2022 top-to-bottom overhaul of a restaurant that had called the same spot home for 30 years. And while the nostalgically striped, umbrella-shaded patio is painfully charming, the takeaway window makes a strong case for a to-go lobster roll savored on the beach just a few blocks away.
Order: The shrimp fried rice ($24) puts a fresh coastal twist on a takeout mainstay. We also love the Key lime pie.
So named for the trawler that was tossed ashore on the same spot during Hurricane Hugo in 1989, this dinner-only, no-reservations establishment on Shem Creek shrugs off formalities in favor of its dynamite views and deliciously simple seafood. The best seat in the house belongs to the wooden dockside bar, where sunset views and local craft beers are just an arm’s length away.
Order: Complete with red rice, coleslaw, a hush puppy, and a fried hominy square, the shrimp platter (from $17.95) is a true taste of the Lowcountry. The deviled crab is also worth a try.
This family-owned lunch spot has been an island institution since it first opened its doors in 1978, and its magic belongs to its simplicity. They're only open for lunch, and you order through a carry-out window—though you don't have to take your food home. Snag one of the picnic tables on the porch for an especially satisfying alfresco dining experience.
Order: Given the restaurant's name, it's obvious you can't go wrong with shrimp here, but the shrimp burger ($9.30), served on a bun with tartar sauce and mayo, is a true crowd favorite.
There’s something for everyone on the extensive menu at this landmark Grand Strand restaurant and seafood market owned by a fisherman father and his culinary school-trained daughter. Choose a South Carolina classic, like the Lowcountry boil, or make the most of the raw bar and order a sushi roll or two. Stretch mealtime into a full-fledged Mr. Fish experience by reserving a ride to and from dinner in the Mr. Fishmobile, a bright blue school bus that hits all the nostalgic high notes.
Order: The seafood tacos ($15) are made with your choice of mahi, tuna, or shrimp and are topped with chipotle-lime sauce.
GREENVILLEGreenville NewsThe saying "Golf is a good walk spoiled" is often attributed to American writer Mark Twain, but it is actually anonymous.Origins of the quote can be traced back to 1913, according to USA TODAY.Regardless of who coined the term, golfers and non-golfers alike have resonated with its meaning, which sums up the sport perfectly: although being in the great outdoors is meant to be relaxing and enjoyable, trying to score that hole-in-one can make for quite a challenging experience....
GREENVILLE
Greenville News
The saying "Golf is a good walk spoiled" is often attributed to American writer Mark Twain, but it is actually anonymous.
Origins of the quote can be traced back to 1913, according to USA TODAY.
Regardless of who coined the term, golfers and non-golfers alike have resonated with its meaning, which sums up the sport perfectly: although being in the great outdoors is meant to be relaxing and enjoyable, trying to score that hole-in-one can make for quite a challenging experience.
But when you do win the game, playing it proves to be all the more rewarding, and so are the views that South Carolina's coastal courses have to offer.
Golf Digest just dropped its roundup of America's 100 greatest public courses, and two of them are in the Palmetto State. Here's where they are and where they ranked.
Golf Digest didn't hold back when describing Kiawah Island's Ocean Course.
"This manufactured linksland-meets-lagoon might well be Pete Dye's most diabolical creation." the magazine said. "Every hole is edged by sawgrass, every green has tricky slopes, every bunker merges into bordering sand dunes."
Even so, the course's numerous challenges are what keep golfers returning for more, with many holes playing along the great Atlantic. One fun fact the publication mentions about the course is how it was designed spur of the moment for the 1991 Ryder Cup when the PGA of America moved the event from California to "the more attractive Eastern time zone television slot." Another fact to know is that Phil Mickerson rose victorious at the course during the 2021 PGA Championship, and so did Rory Mcllroy in 2012.
In Golf Digest's best of the state ranking, the Ocean Course was crowned first place.
Much can be said about Congaree Golf Club, designed strategically by Tom Fazio in 2017. And the magic behind this golf course is all in the sand, which makes it "easy to scoop and slope long ridgelines, creating significant movement across an otherwise level property ― and dozens of stately live oaks."
The course also comes with its own unique set of challenges, like navigating the Melbourne-style bunkers that pose hi-lo recovery situations by dodging shots that roll too far away. Other notes of worth are the course's location just 30 minutes from Beaufort and the Congaree-hosted 2022 CJ Cup.
In Golf Digest's best of the state ranking, Congaree Golf Club ranked No. 2.
Nina Tran covers trending topics for The Greenville News. Reach her via email at ntran@gannett.com
Katie FongvongsaJOHNS ISLAND, S.C. (WCBD) – Kiawah Island developers are proposing a plan to expand a new community on Johns Island.Orange Hill Tract is about 933 acres of land between Bohicket Road and River Road. Charleston County previously approved development plans there in 2004, but since, it has been sold to South Street Partners. The...
Katie Fongvongsa
JOHNS ISLAND, S.C. (WCBD) – Kiawah Island developers are proposing a plan to expand a new community on Johns Island.
Orange Hill Tract is about 933 acres of land between Bohicket Road and River Road. Charleston County previously approved development plans there in 2004, but since, it has been sold to South Street Partners. They are requesting approval from the County to build a new residential community and 18-hole golf course, part of the Kiawah Island Club. The group and county are also working on a development agreement, which officials said makes this deal more attractive.
“Our community development was able to secure a significant amount of funding for affordable workforce housing for Johns Island, nearly a million dollars. I think there was another $500,000 for Sea Island Habitat for Humanity. Additionally, St. John’s Fire Department is getting half the cost of a fire engine from the developer and our Charleston County EMS is basically getting half the cost of an ambulance covered,” Joe Boykin, county councilmember for District 8, said.
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Also, Developers tell News 2, around 60% of their employees live on Johns Island and Wadmalaw Island. They said this gives their employees another opportunity to make their commute closer to home and be present in the community with their contributions.
The revised plan coming from the South Street Partners includes a greater focus on preservation, by keeping over 80% of live oaks on the property, improving stormwater management, and reducing the numbers of homes originally proposed.
“That was done as a result of site analysis that suggested lower density and more modest home sites rather than big home sites and big homes. More modest home sites appropriate for the setting. More aligned with the character of Johns Island in terms of the nature of homes there,” said Mark Permar, Kiawah Island master planner and architect.
Additionally, by reducing the amount of homes, there will also be less impacts from previously planned roads on the property. The group has also decided to put the community’s entrance on the less congested roadway.
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“The access point was instead of Bohicket Road, we felt the more after we did an assessment we felt the more appropriate access point would be off of River Road,” Permar said. “Part of that was a reaction to the ever increasing traffic count on Bohicket Road that we’re all familiar with.”
The Kiawah Partners own and manage the Beach Club and Cassique Club, and Permar said they continue to be a community involved group. When asked about possible resident concerns, Boykin added that this is a better option than allowing for an outside developer to come in and sell.
“The developer’s been pretty sensitive to our concerns as Johns Islanders and wanting to keep our sense of place. So, again the concessions they made in reduction to how many units and the rearrangement of how they’re putting in this development I think were sensitive to our concerns,” said Boykin.
County council will host the public hearing on June 10 at county headquarters.
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