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 Ladson, 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 Ladson natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Ladson, 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 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.
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 Ladson, 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 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:
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 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.
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LADSON — The Coastal Carolina Fair is back through Nov. 9 with rip-roaring rides, snazzy sideshows and tantalizing treats.We traveled to the Exchange Park Fairgrounds in Ladson to try some of this year's new and classic offerings. Here are eight foods you should be taste-testing this year.Campfire BurgerDeAnna's Diner, $17Always stuck choosing between a hot dog or a hamburger? At the fair you can have both in one bite, as well as some baked beans, when you order the new Campfire Burger from DeAnna...
LADSON — The Coastal Carolina Fair is back through Nov. 9 with rip-roaring rides, snazzy sideshows and tantalizing treats.
We traveled to the Exchange Park Fairgrounds in Ladson to try some of this year's new and classic offerings. Here are eight foods you should be taste-testing this year.
DeAnna's Diner, $17
Always stuck choosing between a hot dog or a hamburger? At the fair you can have both in one bite, as well as some baked beans, when you order the new Campfire Burger from DeAnna's Diner.
It's triple the meat flavor, and a favorite so far this year, said Kristin Hagy, who's been traveling around with the family business her whole life from fair to fair. Her mom and dad started it all, and the kids now each have their own trailer.
"We're always trying to innovate," said Hagy, citing the also-popular Donut Burger that's a fun mix of savory and sweet. The Mac and Cheese Burger is her personal favorite, with a chili add-on.
Hagy said she's also gotten to enjoy some Lowcountry cuisine while she's been in town so far, including a meat plate at Lewis Barbecue.
Girl'd Cheese, $13
Also new this year is the Girl'd Cheese truck, where you can find a variety of fun and classic grilled cheese options. The most popular item tops the list: the Philly Cheesesteak Grilled Cheese. And it's just that, a perfect cross between the two with thick slices of crispy toast, peppers, onions, cheese and thinly sliced steak.
Cox Barbecue, $21
Though it's on the pricier side, this fair classic is certainly worth it. Smoked for over an hour on the charcoal grill right in front of you, these turkey legs are known for being some of the best at the Coastal Carolina Fair. And there's enough meat on one of them to feed the whole family.
Fluffy's, $10
If you're feeling a bit adventurous, this one's for you. The perfect blend of spicy and sweet, this donut is a crazy but delicious one. It's made with homemade whipped jalapeno cream cheese, crumbled bacon, grilled pickled jalapenos and hot honey drizzled on top. Get a little bit of each in your bite for the perfect balance, with that sweet, fluffy donut underneath.
If you want a sweet option, as well, you can also choose from the Fruity Pebbles, Maple Bacon, and Peanut Butter and Jelly, among plenty of others.
Moose Joose Slush/Slush Works Bar, $16
You can't hit the fair circuit without staying hydrated, and this stand is the way to do it. Mega-slushes await, and the newest one this year is the Cheerwine Dream Float, a cherry-flavored delight topped with whipped cream and a red velvet cake pop.
It was so popular at Columbia's South Carolina State Fair that they brought it down here, according to 24-year-old vendor Gracey Meyster, who's been traveling full-time from fair to fair since 2017. She said she loves it, though this fair is the last stop of her rotation until February; she gets to hibernate through the winter.
Dr. Vegetable, $14
I mean it's Dr. Vegetable, so it must be healthy right? Maybe not, but this stand certainly has some interesting takes on veggie snacks. New this year are the Nashville Hot Fried Pickle spears, served with a side of ranch if you need to cool it down and an extra tub of hot sauce if you need to spice it up.
Though the spice is a slow burn, hitting you later than you expect, it was certainly enough for me. I even opted for a few ranch dips to offset the bright neon orange layer sprinkled atop the fried spears. I would definitely get these again.
Chester's Gators and Taters, $15
Another bite I would order again in a heartbeat is the Loaded Popcorn Chicken Sundae, a cup stacked with creamy mac and cheese, crispy popcorn chicken, with bacon cheddar and ranch. It's like a wild, creamy and dreamy version of nachos. At this stand, you can also try fried gator bites if you're brave enough.
Deep Fried Sweets, $10
The fair is all about fried foods. So you simply must opt for a deep-fried dessert, whether you choose a candy bar like a Snickers or Milky Way or go with the cookie dough or Oreos.
The cookie dough is my favorite, with a crunchy outer shell and gooey middle. You get three bites, all sprinkled with powdered sugar. If you're splitting this one, you'll have to fight over who gets that last one.
LADSON, S.C. (WCSC) - The Coastal Carolina Fair has returned to the Ladson Exchange Park for its 68th year filled with food, entertainment and community.The fair has been operating since 1957 and has been held at the Ladson fairgrounds since 1979. Fair leaders say they are approaching 300,000 people in annual attendance.Jeremy Tate, the chairman of buildings and grounds for the fair, says the planning started for this year while last year’s fair was still going on.With it being a nonprofit fair, Tate says the impac...
LADSON, S.C. (WCSC) - The Coastal Carolina Fair has returned to the Ladson Exchange Park for its 68th year filled with food, entertainment and community.
The fair has been operating since 1957 and has been held at the Ladson fairgrounds since 1979. Fair leaders say they are approaching 300,000 people in annual attendance.
Jeremy Tate, the chairman of buildings and grounds for the fair, says the planning started for this year while last year’s fair was still going on.
With it being a nonprofit fair, Tate says the impact starts with the people who buy the tickets.
“The money that’s raised here, it does go back to the local charities,” Tate says. “This past year, we gave away over $900,000 to 73 local charities and it took 230 of our members, 15,000 hours at the fair to volunteer to raise that money. But it really starts out with a good turnout from our community.”
As part of the entertainment, 63 rides will spread across 180 acres, including a new Mega Drop Tower that will drop riders from 120 ft. high. Another new ride called “Lightning” features a spinning windmill design that lets thrill-seekers fly through the air at about 80 mph.
David Grimm, director of business development and marketing for Reithoffer Shows, Inc., says about 30 of the rides will be for the kids.
“I always recommend that they get what we call a wristband, or an armband, they put that on for one price, you can ride all the rides,” Grimm says.
Although Grimm says the wristband is the best bang for a buck, the “Lightning” ride will require a separate ticket.
For when it’s time to take a break from riding, attendees can snack on all kinds of dishes, like Nashville hot pickles, while washing it down with blueberry lemonade. One of the featured desserts is called the “Pig’s Trough”; it’s from Ye Ole Fashioned and features a six-scoop banana split with six toppings, nuts, whipped cream and a cherry.
The fair’s organizer, Jay Wallace, says around 80 vendors have brought their treats this year.
“Highly professional people,” Wallace says. “They really know what they’re doing. They keep their booths really clean. They know how to come up with new stuff. And those long-term relationships allows us to put on a really great fair to bring this to Charleston with these national flavors.”
Wallace says he thanks the thousands of volunteers who help make the event possible every year, as the fair returned $947,000 to the Tri-County area covering Charleston, Berkeley and Dorchester Counties last year.
The gates open at 3 p.m. Thursday and close at 9 p.m. Attendees can expect longer hours on the weekends.
Click here to visit the fair’s website for ticket information, a list of special events and details about their policies.
The fair runs every day through Nov. 9.
LADSON, S.C. (WCSC) - The Coastal Carolina Fair will open in two days with 65 rides across 180 acres, including two new attractions that are faster and taller than previous offerings.The fair features a 120-foot drop ride and a ride that spins at 80 miles per hour, said Jay Wallace with the Coastal Carolina Fair.“A 120-foot drop. Now, you’ve seen these things, right? The big giant pole. You kind of inch your way up and then boom. The kids love it. The screams are a lot,” Wallace said. “We’ve got th...
LADSON, S.C. (WCSC) - The Coastal Carolina Fair will open in two days with 65 rides across 180 acres, including two new attractions that are faster and taller than previous offerings.
The fair features a 120-foot drop ride and a ride that spins at 80 miles per hour, said Jay Wallace with the Coastal Carolina Fair.
“A 120-foot drop. Now, you’ve seen these things, right? The big giant pole. You kind of inch your way up and then boom. The kids love it. The screams are a lot,” Wallace said. “We’ve got that and a ride that twirls 80 miles an hour.”
New food items include deep-fried pickles covered in Nashville Hot and a dessert called a Pig Trough.
“Deep-fried pickles, covered in Nashville Hot. That’s a big one,” Wallace said. “Then our very own local Ye Ole Fashioned has got what they call a Pig Trough, which has got a lot of split components. All types of toppings and scoops of ice cream. It’s going to be quite delicious.”
The fair has operated since 1957, being held at the Ladson fairgrounds since 1979. Fair leaders say they are approaching 300,000 people in annual attendance.
Last year, the fair returned $947,000 to the Tri-County area covering Charleston, Berkeley and Dorchester counties, Wallace said.
Admission tickets provide access to fair entertainment, while wristbands are required for rides. The fair includes a rodeo Monday through Wednesday, three stages, a sea lion act, a petting zoo and a creative arts building.
Parking options include pedicabs for a fee and VIP parking at the main gate, which must be purchased in advance through the website. The fair maintains a clear bag policy for security.
Fair organizers do not rent strollers or wheelchairs on the grounds. Visitors are encouraged to bring their own.
Click here to visit the fair’s website for ticket information.
The fair runs through Nov. 9.
HOPKINS — Whenever he’s home, Steve Ray Ladson takes his banjo out to the barn and plays for his family’s horses. And the miniature donkeys.The Hopkins native takes note of how the animals react to what he’s playing.“If I'm hitting something, I'm playing something and it strikes a nerve on them, they let me know that that’s pretty good,” said the musician who can play 10 instruments.Staying connected to his roots — church, family and trail rides with his cousin, friend and ...
HOPKINS — Whenever he’s home, Steve Ray Ladson takes his banjo out to the barn and plays for his family’s horses. And the miniature donkeys.
The Hopkins native takes note of how the animals react to what he’s playing.
“If I'm hitting something, I'm playing something and it strikes a nerve on them, they let me know that that’s pretty good,” said the musician who can play 10 instruments.
Staying connected to his roots — church, family and trail rides with his cousin, friend and NFL receiver Xavier Legette — is the foundation upon which Ladson has created a new genre of music, “Blackgrass Brothercana.”
The blend of rap, hip-hop, soul, blues, rock and country has captivated the nation and catapulted him to the finale of “America’s Got Talent,” where he competed for $1 million. In the end, he lost out to another singer, Jessica Sanchez.
Ladson wowed audiences — and the panel of celebrity judges — during his audition for the NBC competition show with “Back of My Truck,” an original track that melds hip-hop and roots country to create a tune ripe for radio play.
He stunned the world again last month with a second original track, “Boots like Mine,” which earned him a straight-shot to Sept. 23’s finale show thanks to judge Sofia Vergara’s “Golden Buzzer.”
“You are a superstar,” Vergara told Ladson over thunderous applause during the August episode. “But to be honest, I didn’t like this song … I loved it.
His music has racked up millions of streams over the past few months, launching the professional musician from playing in the bands of established acts to his own performing center stage. It’s a dream more than a decade in the making, but Ladson isn’t resting on his laurels.
“Can't get caught up,” Ladson told Free Times from Los Angeles a few days before the finale. “You got to keep going and keep going. So, just trying to soak it all in, enjoy it … and keep working.”
Even after the show, work will continue. Ladson’s got several tour dates — including a headlining set at Jam Room Music Festival in November — and an album in the works.
Ladson grew up in Hopkins, a small rural town about 30 minutes from Columbia. His father is a pastor, and Ladson’s first performances took place in church. It taught him how to play to a crowd, stage presence tricks and where to set a performance’s tone based on its size and context. He suspects he’s memorized most of the hymnal they sung growing up — Hymn 434 is one of his favorites.
“Church is spiritual, you know, a lot of this stuff is still spiritual too, because it's a connection,” he said. “People need to feel you.”
When he was 22, Ladson booked his first professional gig. For 13 years, he toured with Grammy-winning gospel acts like Robert Randolph and the Family Band and the Blind Boys of Alabama, a Southern blues/gospel group founded in the 1930s.
He’s toured the world with these bands. He remembers turning 23 in Warsaw, Poland. The experience honed his musicianship and helped him plot a course to make his own music, which has always been the goal.
“I paid my dues, put in a lot of work. I learned the ropes from them. I've seen exactly what to do, how to do it, so it made me prepare for my own boat,” Ladson said.
Ladson draws a lot of inspiration from blues groups from the early 20th century, including bluesmen Sonny Boy Williamson and Robert Johnson. For Ladson, “Blues was always a feeling” he felt in himself.
“I always loved the blues, and just love the way that they could sing and just be a one-man show and move a crowd and have a party, just with one man,” he said.
Ladson leans on the blues but also pulls from hip-hop beats and flow, as well as country twang and lyrics, to create his sound.
On the season finale of “America’s Got Talent,” about 40 family members traveled to California to watch him perform the original song, “Do the Rodeo” — many of whom have never seen him play live outside of a church setting.
While he didn’t take home the win, he made a lot of South Carolinians proud.