Your Path to Homeownership Starts Here - Expert Mortgage Assistance
Mortgage Broker in Moncks Corner, SC
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.
DifferenceThe Mission One Mortgage Difference
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.
- Mortgage Broker Moncks Corner, SC
- The Mission One Mortgage Difference
- Why Should I Work with a Mortgage Broker in Moncks Corner, SC
- Exploring the Benefits of Working with a Mortgage Broker
- Common Home Loan Options in South Carolina
- Home Mortgage FAQs
- Mission One Mortgage: Turning Dreams into Reality, One Mortgage at a Time
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- 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- 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- 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- 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.
Why Should I Work with a Mortgage Broker in Moncks Corner, SC?
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.
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 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.
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
BenefitsExploring the Benefits of Workingwith a Mortgage Broker
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.
Home LoanCommon Home Loan Options in South Carolina
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.
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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.
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.
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.
FAQsHome Mortgage FAQs
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:
- 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.
Mission One Mortgage: Turning Dreams into Reality, One Mortgage at a Time
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.
Contact Us For Service !
(843) 822-5685
Latest News in Moncks Corner, SC
Construction soon underway for new roundabout in Moncks Corner
Hannah Borcherthttps://www.live5news.com/2025/02/21/construction-soon-underway-new-roundabout-moncks-corner/
: |Updated: Feb. 21, 2025 at 4:22 PM ESTMONCKS CORNER, S.C. (WCSC) - If you live near the new elementary school being built in Moncks Corner, you’ve likely seen the new construction signs that went up this week. They are for a new roundabout soon to be under construction.Berkeley County School District is required to alter the intersection of Cane Bay Boulevard and Black Tom Road because of the anticipated influx in traffic the new school will bring.“DOT tells the school district what road improvements we hav...
: |Updated: Feb. 21, 2025 at 4:22 PM EST
MONCKS CORNER, S.C. (WCSC) - If you live near the new elementary school being built in Moncks Corner, you’ve likely seen the new construction signs that went up this week. They are for a new roundabout soon to be under construction.
Berkeley County School District is required to alter the intersection of Cane Bay Boulevard and Black Tom Road because of the anticipated influx in traffic the new school will bring.
“DOT tells the school district what road improvements we have to do because we are adding traffic flow to the roads,” Berkeley County School District Director of Capital Projects and New Construction David Hemstrought said.
There has been mixed reaction on social media with comments from more than 200 people on a post from a Berkeley County Community Facebook Page about the soon-to-be roundabout at the intersection. The same mix was reflected among locals we spoke with on Friday.
“There is a lot of traffic so if it’s going to help out the traffic. I’m all for it,” Todd Brand of Cane Bay said.
“People have a tendency to not yield whenever people are going through roundabouts, it gets a little confusing, the right of ways and what not as opposed to a stoplight,” Kaylyb Taylor of Summerville said.
The roundabout will have exits going through Black Tom Road, Cane Bay Blvd. and another into the entrance of the new elementary school. A turn lane will also be added to the other entrance of the school. Hemstrought said the road projects will cost about $6.5 million and is a penny tax project.
“Roundabouts, I do know, keep the flow of traffic moving, less stop and go, they are safer. It slows traffic down without stopping them,” Hemstrought said.
The design calls for crosswalks all the way around, keeping the school’s close proximity in mind.
“Throughout the state and really this area, there’s more roundabouts being installed all over the county,” Hemstrought said.
Hemstrought said the area is in preparation for construction. Signs are already in place.
“We’ll probably start moving dirt in the next two to three weeks and the whole offsite road work is going to take eight to ten months, depending on weather,” Hemstrought said.
What does that mean for your commute? Hemstrought said they plan for Black Tom Rd. to be open the entire time. They will likely shift the lanes throughout the process and he doesn’t anticipate any major shutdowns.
Copyright 2025 WCSC. All rights reserved.
Berkeley County Leaders Join SC Native American Tribes for Historic Alliance
berkeleycountysc.govhttps://berkeleycountysc.gov/berkeley-county-leaders-join-sc-native-american-tribes-for-historic-alliance/
MONCKS CORNER, S.C. – (Friday, February 7, 2025) – Berkeley County leaders recently joined Native American tribal leaders from around the state for an historic signing of the Tribal Alliance of South Carolina Nation’s Treaty. The milestone moment took place Wednesday, February 5, 2025, at the South Carolina Statehouse in Columbia. A total of nine different tribes were in attendance.A special proclamation from Governor Henry McMaster’s office also declared February 5, 2025, as South Carolina Nat...
MONCKS CORNER, S.C. – (Friday, February 7, 2025) – Berkeley County leaders recently joined Native American tribal leaders from around the state for an historic signing of the Tribal Alliance of South Carolina Nation’s Treaty. The milestone moment took place Wednesday, February 5, 2025, at the South Carolina Statehouse in Columbia. A total of nine different tribes were in attendance.
A special proclamation from Governor Henry McMaster’s office also declared February 5, 2025, as South Carolina Native Nations Day. According to the proclamation, this unique treaty pledges tribal nations will “work together on issues that have long hindered the ability for Indigenous communities to thrive.” The alliance also promises political and economic unity among the tribes for the purpose of preserving their individual and collective cultures. See full proclamation below.
Berkeley County Supervisor Johnny Cribb and District 4 Councilman Tommy Newell attended the signing, alongside members of the Berkeley County-based Wassamasaw Tribe of Varnertown Indians. This tribal community is currently located in the Carnes Crossroads area near Moncks Corner, Goose Creek and Summerville.
“The recognized tribes of South Carolina have united in strength and pride through the Tribal Alliance of South Carolina Nations, forging a powerful bond that will ensure our shared history endures and our future thrives. This is more than a legal agreement; it is a living testament to our resilience, honoring our ancestors and empowering our communities for generations to come.” -Lisa Collins, Chief of the Wassamasaw Tribe of Varnertown Indians
“We were honored to represent Berkeley County at this historic event, which represented not only our state’s unique history but also the rich history of our county. We cherish and value the many different cultures and people groups who have greatly influenced our region across the centuries and continue to be an instrumental partner and powerful force for positive change in our communities.” –Berkeley County Supervisor Johnny Cribb
The alliance also includes the following tribes: the Edisto Natchez-Kusso, Beaver Creek Indians, Catawba Nation, Pee Dee Indian Tribe, Santee Indian Organization, Piedmont American Indian Association, Lower Eastern Cherokee Nation, Sumter Tribe of Cheraw Indians, and the Waccamaw Indian People.
### -Prepared by the Berkeley County Public Information Office-
alliance Columbia governor Henry McMaster history Johnny Cribb leaders Native American Supervisor treaty tribe
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