Your Path to Homeownership Starts Here - Expert Mortgage Assistance

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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.

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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 Ladson, 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.

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Mortgage Lending Service Ladson, 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.

Refinancing Ladson, SC
Refinances Ladson, 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 Ladson, 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.

What Clients Say About Us

Mission One Mortgage: Turning Dreams into Reality, One Mortgage at a Time

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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 Ladson, 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
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Latest News Near Me Ladson, SC

Small earthquake reported near Centerville late Sunday, but where is Centerville?

LADSON, S.C. (WCBD) – A small earthquake was recorded near Ladson late Sunday night.The South Carolina Emergency Management Division said the United States Geological Survey confirmed a 1.7 magnitude earthquake struck 5.8 miles south-southwest of “Centerville” around 11:17 p.m.The tremor was likely too small for anyone to notice.The United States Geological Survey often records small earthquakes with Centerville pinned as a geographical location. People often ask us, where is Centerville?If you s...

LADSON, S.C. (WCBD) – A small earthquake was recorded near Ladson late Sunday night.

The South Carolina Emergency Management Division said the United States Geological Survey confirmed a 1.7 magnitude earthquake struck 5.8 miles south-southwest of “Centerville” around 11:17 p.m.

The tremor was likely too small for anyone to notice.

The United States Geological Survey often records small earthquakes with Centerville pinned as a geographical location. People often ask us, where is Centerville?

If you search “Centerville, South Carolina” on Google, the results will show you a community in Anderson, South Carolina. But a Lowcountry destination does exist — or at least it did.

Officials with the United States Geological Survey previously told counton2.com that it uses a database called “Geonames” to automatically locate the town nearest an earthquake. That database, which is not a USGS-owned product, is what pulls Centerville as the location identifier.

They believe there was once a historical placename from the 1700s or 1800s.

“We locate thousands of earthquakes per year, and it is only a few that end up with a problem like this,” said Dr. Thomas Pratt, a research geophysicist and Central and Eastern Region Coordinator for the USGS Earthquake Hazards Program, when asked about the notification name.

While the community does not necessarily exist today, USGS said it is unlikely that the Geonames database would change the name because it’s such a rare occurrence.

So, where was Centerville?

The geography of that area includes portions of Summerville and Ladson in Dorchester County.

Roughly a year ago, historian Nic Butler, who hosts a weekly podcast called ‘Charleston Time Machine,’ reviewed documents to help us understand where Centerville might have come from.

Butler found no mention of the community in digitized newspapers from the 18th, 19th, or 20th centuries during his search. He said it is not referenced in the online index of the South Carolina Department of Archives and History, nor does the name appear on any maps of the Charleston-Summerville area until the early twentieth century.

Some success came when looking at the USGS topographical map of the Ravenel Quadrangle, which Dr. Butler said was surveyed in 1918 and published in 1920. Centerville is seen at the present intersection of Gahagan Road and Miles Jamison Road.

A look at the topography map from the 1920 publication shows two neighboring areas called Stallsville and Centerville.

Butler explained that the placename “Stallsville” refers to an extinct unincorporated village that was once clustered around the intersection of Bacons Bridge Road and Old Trolley Road.

There is a historical marker that shares a story of the Stall family settling and farming that area in the early 1800s. The two villages, Stallsville and Centerville, were likely divided at the time.

Counton2.com did reach out to Dorchester County Government for a records check in December 2024; however, at the time, they were unable to provide any details.

More than 10 earthquakes have been reported in the area since 2021. The largest was a 0.9 in March 2022, and the strongest was a 2.53 earthquake on July 24, 2023.

QUAKES IN CENTERVILLE

11/9/25 – 1.712/11/24 – 0.8112/7/24 – 2.0911/20/24 – 1.047/14/2024 – 2.531/18/23 – 1.389/2/22 – 1.456/15/22 – 1.06/27/22 – 1.23/28/22 – 0.911/9/21 – 1.58/27/21 – 1.718/21/21 – 1.753/16/20 – 2.4

Still, emergency management officials in South Carolina say there is no need to worry as earthquakes are common here; however, they encourage everyone in the state to be prepared and have an action plan should a large quake strike.

Coastal Carolina Fair wraps 68th year of family fun, giving back

LADSON, S.C. (WCSC) - The Coastal Carolina Fair concluded its 68th year Sunday at Ladson Exchange Park, with organizers emphasizing the event’s charitable mission and family fun.The fair featured 65 rides across 180 acres, along with classic games, food vendors and a petting zoo that welcomed a new baby donkey.“Why we have the fair here is to give to charities in the local Tri-County area,” Coastal Carolina Fair President Fred Whittle said.Robert Patterson, owner of Top Shelf Catering and Beverage and S...

LADSON, S.C. (WCSC) - The Coastal Carolina Fair concluded its 68th year Sunday at Ladson Exchange Park, with organizers emphasizing the event’s charitable mission and family fun.

The fair featured 65 rides across 180 acres, along with classic games, food vendors and a petting zoo that welcomed a new baby donkey.

“Why we have the fair here is to give to charities in the local Tri-County area,” Coastal Carolina Fair President Fred Whittle said.

Robert Patterson, owner of Top Shelf Catering and Beverage and Special Ops Events, said sales were up double digits this year.

“Every time we win, the community wins,” Patterson said. “When we’re up in sales, that gives us more proceeds to be able to give to those local charities. So, it has been a huge success.”

But the fair isn’t about profit. The fair runs on volunteers who say they get paid in a different way.

“The joy on the faces of children is the thing that is my pay. And I’m not paid as a volunteer. But that certainly is a rewarding thing for us to see.” Whittle said.

The baby donkey was already out, greeting visitors on the final day.

“I came out and I saw feet. So I knew I had to step in and help her, and it’s a healthy little girl,” Charles Beam, owner of All American Petting Zoo, said.

Local vendors said the fair provides both business opportunities and community connections.

“I make a living, so I keep coming back, plus all the directors here, they’re beautiful people,” John Koutoufaris, owner of John Greek Food Concessions, said.

While today was the final day of the fair, several people said this is proof that when a community comes together for fun, everyone wins, especially the local charities helping those in need with the donations.

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