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 Moncks Corner, 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 Moncks Corner natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Moncks Corner, 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 Moncks Corner, 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 Moncks Corner, 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 Moncks Corner, 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 Moncks Corner, 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.
Town of Moncks Corner Recreation Director Libya Rentz couldn’t have been more pleased with the group of softball all-stars representing the town during the South Carolina Athletic Programs’ state tournaments June 20-22 in Dillon.Moncks Corner was one of only two towns represented in all four age groups: 8U, 10U, 12U and 15U. The squads fought tooth and nail for hours beneath a blazing sun each day and had the support of mayor Thomas Hamilton along the way.“We are thrilled for the future of recreation softball ...
Town of Moncks Corner Recreation Director Libya Rentz couldn’t have been more pleased with the group of softball all-stars representing the town during the South Carolina Athletic Programs’ state tournaments June 20-22 in Dillon.
Moncks Corner was one of only two towns represented in all four age groups: 8U, 10U, 12U and 15U. The squads fought tooth and nail for hours beneath a blazing sun each day and had the support of mayor Thomas Hamilton along the way.
“We are thrilled for the future of recreation softball and for the future of softball in general,” an upbeat Rentz said. “it’s going to continue to grow. Success breeds more success. The kids want to be a part of a program that’s positive and has a family atmosphere. Our softball recreation coaches put their heart and soul into these kids. It’s just everybody becoming a big family.”
Three of Moncks Corner’s teams finished up their summer all-star journeys in championship games and were so close to returning to the Lowcountry with a state trophy. The 8U and 12U squads fell in contests decided by one run and the 15U team also placed runner-up. The 10U team finished third, losing its final game by one run.
“The group of coaches we have right now in our recreation softball program are second to none,” Rentz said. “They treat these girls like they’re their own, even with a tear in their eyes after the final games. I listened to their postgame speeches. It was like we lost the game, but we learned as players and people, and we’ll be back. Moncks Corner was represented in a positive light. It was a proud moment for myself and Hannah Haines, our athletic coordinator over softball.”
Each Moncks Corner all-star team qualified for state by either winning or finishing second in SCAP’s Southern District tournaments earlier this month. State champions were decided through eight-team, double-elimination events.
“They fought and cheered each other on,” Rentz said. “They showed a lot of resilience. Believe me when I tell you the heat index was over 100. I couldn’t be more proud of the kids and coaches.”
MONCKS CORNER, S.C. – Berkeley County officially kicked off summer with the grand opening of a brand-new splash pad at Cypress Gardens — and it’s already making a splash with families.County officials gathered for the celebration Saturday, where Berkeley County Supervisor Johnny Cribb praised the park’s staff and the collaborative effort behind the project.“They envisioned this project. They’re out here every single day,” Cribb said. “If you come out to this park, and I encourage ...
MONCKS CORNER, S.C. – Berkeley County officially kicked off summer with the grand opening of a brand-new splash pad at Cypress Gardens — and it’s already making a splash with families.
County officials gathered for the celebration Saturday, where Berkeley County Supervisor Johnny Cribb praised the park’s staff and the collaborative effort behind the project.
“They envisioned this project. They’re out here every single day,” Cribb said. “If you come out to this park, and I encourage you to do so, there’s something added to it all the time. This is just the latest amenity. We’ll keep adding to it.”
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The splash pad features a tipping bucket, water cannons, shaded picnic areas, restrooms, and more — all designed to be accessible and inclusive for kids of all abilities. It’s the latest in a series of upgrades to the park and comes at a perfect time as school lets out for summer vacation.
Cribb noted the cost-saving teamwork that made it possible. “We had a lot of county departments involved in this. We self-performed a lot of the work, other than what Atkinson Pools did in order to keep the costs down.”
Departments including water and sanitation, roads and bridges, and facilities and grounds all played a role in completing the project. Atkinson Pools built the splash pad itself.
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The splash pad is included with regular Cypress Gardens admission: $10 for adults, $5 for children ages 6–17, $6.50 for seniors, military, and 911 personnel. Children 5 and under are free.
The park is located at 3030 Cypress Gardens Road in Moncks Corner.
Moncks Corner’s 12-U all-stars posted a sparkling 5-0 record in the SCAP Southern District softball tournament at Felkel Field in Goose Creek June 10-14 to garner a bid to the state tournament.Moncks Corner knocked off Charleston, 15-5, Saturday, June 14, to complete its perfect run in the South Carolina Athletic Programs’ event. It begins play in the eight-team state tournament Friday, June 20, in Dillon and hopes to be playing for all the marbles (after press time) a couple days later.“I thought we played pr...
Moncks Corner’s 12-U all-stars posted a sparkling 5-0 record in the SCAP Southern District softball tournament at Felkel Field in Goose Creek June 10-14 to garner a bid to the state tournament.
Moncks Corner knocked off Charleston, 15-5, Saturday, June 14, to complete its perfect run in the South Carolina Athletic Programs’ event. It begins play in the eight-team state tournament Friday, June 20, in Dillon and hopes to be playing for all the marbles (after press time) a couple days later.
“I thought we played pretty well,” Moncks Corner coach Ron Mitchum said. “We had our backs against the wall a couple times. We were up 5-0 in one game and had to score a couple runs late to win it.”
David Williams and Jordan Buso also coach the all-star squad, which outscored opponents 48-16.
“I feel like we pitch really well and we’re solid behind the plate,” Mitchum said. “My daughter (Bella Mitchum) has been catching for five years. She’s able to throw runners out. She threw out two runners in the championship game.”
On the other end of the battery, left-handed pitcher Alexis Buso was dominant inside the circle. She came on in relief and fanned 12 batters without allowing a hit to earn the win and also knocked in a pair of runs to help herself at the plate. Mitchum, Ansley Williams, Kaedence Braddy, Ava Drew Ensor and Raegan Johnson also collected two RBIs each in the title game. Adylinn Covert was 3-for-3 and scored twice.
Earlier in the day, Moncks Corner cruised past North Charleston, 9-1, behind Buso’s 12 strikeouts and Williams’ three RBIs to reach the final. Moncks Corner also defeated North Charleston, 7-5, to start the tournament and followed up with victories over Charleston, 13-2, and Hanahan, 4-3.
Buso finished with 48 strikeouts in four pitching victories and Williams recorded nine strikeouts in the first game versus Charleston. Kennedy Fann, Mitchum and Gracelyn Barnette drove in two runs apiece in that one. Fann led the way, going 3-for-3 with three runs scored. Paris Newman added a RBI and scored once.
Against Hanahan, Moncks Corner manufactured the go-ahead run in the bottom of the fifth inning. Ensor walked to lead off the inning and gave way to courtesy runner Tess House. House moved to second base on a walk to Millie Sellars and scored on a pair of passed balls to break a 3-3 tie.
In the tournament opener, Buso plated a pair of runs and Newman added a RBI.
Fann and Buso capped the tournament as Moncks Corner’s leading hitters in terms of batting average, going 6-of-11.
There has been some debate over the rule, but the town of Moncks Corner made impact fees official at its May 20 council meeting. Now, if a developer or a business builds homes, apartments or commercial buildings, they will have to pay money to help the town absorb the hit on infrastructure.Several local municipalities have adopted the fees, and with the town growing and developing, it was only a matter of time before Moncks Corner joined the list.The city of Goose Creek charges developers a fee for single- or multi-family dwell...
There has been some debate over the rule, but the town of Moncks Corner made impact fees official at its May 20 council meeting. Now, if a developer or a business builds homes, apartments or commercial buildings, they will have to pay money to help the town absorb the hit on infrastructure.
Several local municipalities have adopted the fees, and with the town growing and developing, it was only a matter of time before Moncks Corner joined the list.
The city of Goose Creek charges developers a fee for single- or multi-family dwellings, as well as commercial or industrial construction. The fees are broken down based on the square footage of each structure. The impact fee for a multi-family dwelling is $1,926 for every 1,000 square feet of development, and for a single-family home, it is $2,567 for every 1,000 square feet.
"It's just another tool to cope with the growth," said Moncks Corner Mayor Thomas Hamilton following the unanimous vote by the council. "It's something we can use without burdening the taxpayer. These fees will go into an account, and then we can use it to buy things like fire trucks, police vehicles, sanitation trucks and other things that we have to spend money on to cover these new areas."
Particularly for Moncks Corner, a town that doesn't want to lose its small-town vibe, money helps with creativity. Making the case for impact fees, the mayor noted the cost of a new fire or sanitation truck is close to $1 million.
While buildable land is limited in Moncks Corner, the lion's share of the fee will be paid by commercial buildings, followed by home developers for single-family homes. The fees started on May 21.
"Anything that is permitted from that date will pay that impact fee," Hamilton said.
The fee will be $4,805 for each single-family home and $2,606 for each commercial apartment or townhome. Retail businesses will pay a maximum of $3,987 and industrial businesses will pay a maximum of $828.
"We seem to be in agreement with the developers," Hamilton said. "Some of the ones haven't given us any pushback because they want to be able to get the services the town can provide."
An Upstate convenience store and gas station operator is eyeing a fast-growing Berkeley County town for a new location.Greenville-based Spinx has applied for a permit with the S.C. Department of Environmental Services to develop 6.6 acres for a store at 3212 Old Highway 52 in Moncks Corner.According to t...
An Upstate convenience store and gas station operator is eyeing a fast-growing Berkeley County town for a new location.
Greenville-based Spinx has applied for a permit with the S.C. Department of Environmental Services to develop 6.6 acres for a store at 3212 Old Highway 52 in Moncks Corner.
According to the company, it is scheduled to open by the end of year.
Meanwhile, the chain is set to soon open its newest Lowcountry-area location in Mount Pleasant on the site of former Richard's Bar & Grill property on Highway 17, just north of the town's only Home Depot.
Spinx was founded in 1972 by Stewart Spinks when the former Shell Oil Co. employee bought his first gas station at Laurens Road and E. Washington Street in Greenville.
The retailer now operates more than 80 stores across the state.
Krystal in Colleton
A fast-food burger chain known for its square sliders is coming to Colleton County
Krystal announced it has struck a deal to return to the Lowcountry dining scene with a location at 1222 Bell Highway in Walterboro.
The restaurant is expected to open in July.
Krystal pulled out of the Charleston market nearly 30 years ago. The chain was founded in 1932 in Chattanooga, Tenn., and is now headquartered near Atlanta. It has more than 270 locations around the Southeast, including four in the Palmetto State.
The Krystal in Orangeburg was opened late last year by national radio personality Lenard McKelvey, who grew up in Moncks Corner and is better known as Charlemagne tha God, under a franchise agreement.
A self-service dog wash store has returned to downtown Charleston after nearly five years in a temporary location.
The Dog Wash’s larger space at 138 St. Philip St. is decorated like an old-school barber shop with bright red tubs inspired by red leather barbershop chairs.
Similar to a barbershop, each pet tub has its own mirror, so pups can get a good look at their freshly washed coifs.
With the larger space, owner Carrie Evans has added a robust retail section to the store, selling pet products, toys, grooming tools and pet accessories. The business also offers full-service grooming.
Evans, who previously worked in the fashion industry, came up with the idea of a self-service dog washing business in 2017 when she moved to the Lowcountry from New York and was looking for the common pet service ubiquitous in the Big Apple.
She opened her first store on Line Street and became a groomer, seeing the need for that service on the peninsula.
Relocating to a very small space in North Charleston following the COVID-19 pandemic kept loyal customers, but Evans had to pivot to only offering grooming services.
A massage appointment and impromptu networking with the owner of The Salt Spa on King Street led to finding a lease to bring The Dog Wash back downtown. Self-service washes are $30. Walk-ins are welcome. Grooming services are by appointment.
The Bomb Bar, which serves smoothies, toasts, coffee and healthy breakfast and lunch options, has opened its second Lowcountry location at 424 Brighton Park Blvd. in Summerville's Nexton development.
Founded by Helen Hall-Leland, the business is now a franchise, with another location in Raleigh. According to a social media post, more than 400 people attended the Nexton opening.
The original Charleston location is at 466 Savannah Highway in West Ashley.
A new seafood restaurant has opened at 6 N. Market St., in the space that formerly housed Tabbuli Mediterranean. The Wreckfish Bar & Grill menu includes fried fish and seafood platters, sandwiches, peel-and-eat shrimp and oysters on the half shell.
Ruby's Bagels is expanding again.
The company, which offers New York City-style bagels, breakfast and lunch options, spreads and coffee drinks, announced on social media it will open in Carnes Crossroads in Goose Creek.
It will be the sixth location for the business since owners Joe and Denise Harvey and Kevin and Gail Roach, opened their first store opened in Mount Pleasant in 2022.