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:
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:
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.
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.
MONCKS CORNER, S.C. – (Tuesday, May 23, 2023) – On Monday, May 22, 2023, Berkeley County cut the ribbon on its new Welcome Center site in Moncks Corner. The Welcome Center is located inside the historic 18th century Nesbitt House at 1004 Highway 52. The facility houses the County’s Parks and Recreation Department, Tourism Department, and Farm and Land Services, as well as an Explore Charleston office. The facility previously housed Berkeley County Chamber of Commerce but has been unoccupied for a...
MONCKS CORNER, S.C. – (Tuesday, May 23, 2023) – On Monday, May 22, 2023, Berkeley County cut the ribbon on its new Welcome Center site in Moncks Corner. The Welcome Center is located inside the historic 18th century Nesbitt House at 1004 Highway 52. The facility houses the County’s Parks and Recreation Department, Tourism Department, and Farm and Land Services, as well as an Explore Charleston office. The facility previously housed Berkeley County Chamber of Commerce but has been unoccupied for at least the last two years.
Herrington LLC conducted architectural and engineering services for the project. KD-COM performed renovations, which included removing the existing framing on the back and sides of the house, due to severe water damage and rot. Other work included bringing the building’s structural integrity and electrical system back up to code; placing new framing supports on the second story; making the first floor ADA-compliant, including adding an ADA-compliant restroom for staff and guests; reconstructing the rear addition to ensure it’s more structurally sound and energy-efficient; applying new stucco to the exterior and sides of the house; repainting the entire structure. Locally-owned small business, Dream Home Investors, LLC, constructed the front sign, which includes plaques created by Berkeley Monument, another locally-owned small business.
Other in-house work, completed by Berkeley County Facilities and Grounds, included removing and rebuilding the structure’s columns. The County’s Roads and Bridges team paved the parking lot, established a concrete walkway, and placed sod on the property’s front lawn. Renovations to the structure first began in July 2022. Soon after, work was briefly halted due to structural issues discovered during construction. The County then worked with a structural engineer; and work began again in January 2023.
Total cost of the project is $368,550. Funding stemmed from the Berkeley County Accommodations Fee, the Charleston Visitors Center, and the S.C. Department of Revenue.
The Nesbitt House was built in 1725 by Alexander Nesbitt as part of Dean Hall Planation, the current site of Berkeley County’s Cypress Gardens park in Moncks Corner. In 1967, the house was discovered in the woods and relocated to its current spot at the former Old House Tract Plantation on Highway 52. The home’s restoration was completed in 1968.
“This renovation project has been a labor of love for our County. We were proud to revamp this beautiful, historic home and now showcase it to all, as it welcomes people to our great County. It will also serve locals and tourists alike as an informational hub for all things pertaining to Berkeley County’s history; recreational hotspots and happenings; and other tourism-related items. On behalf of County Council, we hope everyone will stop by this Welcome Center to learn more about Berkeley County.” -Berkeley County Supervisor Johnny Cribb
“Berkeley County has a rich history that we hope will be celebrated and remembered for generations to come. The establishment of this Welcome Center, which will also house our Parks and Recreation Department, Tourism Department, and Farm and Land Services, is just another positive step in preserving our past while looking forward to our future.” -Heather McDowell, Berkeley County Parks and Recreation Director
-Prepared by the Berkeley County Public Information Office-
On Tuesday, Jan. 2, it became official that Thomas Hamilton is now mayor of Moncks Corner. The political newcomer’s surprising victory over 10-year incumbent Michael Lockliear in November shocked even Hamilton. Fewer than 100 votes separated the two candidates.But after taking office, he said he was ready to make some changes, beginning with having a more transparent town government.Council chambers was standing room only during the event at town hall. The attendance may indicate the community wants to be a part of the go...
On Tuesday, Jan. 2, it became official that Thomas Hamilton is now mayor of Moncks Corner. The political newcomer’s surprising victory over 10-year incumbent Michael Lockliear in November shocked even Hamilton. Fewer than 100 votes separated the two candidates.
But after taking office, he said he was ready to make some changes, beginning with having a more transparent town government.
Council chambers was standing room only during the event at town hall. The attendance may indicate the community wants to be a part of the governing process — something Hamilton believes is needed.
His first decision is to livestream town meetings. Livestreams are common with local governments throughout the area, but Moncks Corner chose not to make that move.
“I want people not only to watch but also get involved,” Hamilton said. “I think people are more involved now. I think I raised a lot of awareness that if you don’t get involved, you don’t know what’s going on with your town and don’t have any input into your town. I think we woke that giant up and are starting to pay attention more.”
The run for the Navy Veteran and 34-year Bosch employee started following a trip with his granddaughter to Lacy Park and the lack of response from the town to complaints about the park’s neglected appearance.
He said he is now committed to getting to work on the park and adding new amenities, including laying the groundwork for the construction of the recreation center.
“As we begin the process of picking the projects that are going to go forward on, I want to make sure we keep them aware so that they can also be involved,” he said, and he’s making good on the promise to offer his ear when needed. “One thing I’ve done is put my telephone number on the webpage. I’ve told people if they need me or want to talk to me, I will always be available to everybody.”
Hamilton said another of his early goals is to catch up on the town’s infrastructure needs for its nearly 15,000 residents. That effort starts with the budget process in February.
“We have a couple of key positions that we really need to fill, and we have to start looking,” he said. “Moncks Corner is the fourth fastest growing town in South Carolina. Some of our town infrastructure, like town hall and the fire department, are just running out of room. We must start addressing that aspect because the longer we wait, the more we are behind.”
Also sworn in Jan. 2 were council member David A. Dennis, council member Latorie L. Lloyd and council member James N. Law Jr.
The festival has donated nearly $1.2 million to local charities.MONCKS CORNER, S.C. – Celebrate The Season is back for a 13th year of warming hearts, creating special memories, and supporting local charities. Celebrate The Season’s Holiday Lights Driving Tour takes place daily from 6 p.m. to 9 p.m. from Nov. 24 through Dec. 30 (closed Dec. 24 and Dec. 25). In addition, Holiday In The Park festivities will take place on Fridays and Saturdays from Dec. 8 through Dec. 23.Admission is only $10 per vehicle, wi...
The festival has donated nearly $1.2 million to local charities.
MONCKS CORNER, S.C. – Celebrate The Season is back for a 13th year of warming hearts, creating special memories, and supporting local charities. Celebrate The Season’s Holiday Lights Driving Tour takes place daily from 6 p.m. to 9 p.m. from Nov. 24 through Dec. 30 (closed Dec. 24 and Dec. 25). In addition, Holiday In The Park festivities will take place on Fridays and Saturdays from Dec. 8 through Dec. 23.
Admission is only $10 per vehicle, with all ticket proceeds being donated to local charities. Visitors will enjoy Celebrate The Season’s mile-long Holiday Lights Driving Tour, where festive displays with thousands of colorful LEDs complement the natural scenery of Old Santee Canal Park. Visitors can enjoy the driving tour as many times as they like on the day they purchase their ticket.
Due to the success of last year’s event, Old Santee Canal Park has extended Holiday In The Park festivities, which take place from 6 p.m. to 9 p.m. over three weekends – Dec. 8-9, Dec. 15-16 and Dec. 22-23. Bring your family and friends to get into the holiday spirit with food, local entertainment, holiday gift vendors, free visits with Santa, and many other activities. Entry is included with admission to the Holiday Lights Driving Tour. More information is available at www.celebratetheseason.org.
All the brilliantly colored LED lighting displays are powered by 100% Santee Cooper Green Power, which is Green-e Energy certified and meets the environmental and consumer-protection standards set forth by the nonprofit Center for Resource Solutions. Learn more at www.green-e.org.
Since 2011, Celebrate The Season, presented by Berkeley Electric Cooperative and organized by Santee Cooper and Old Santee Canal Park, has donated nearly $1.2 million to local charities, including the Coastal Community Foundation’s Giving Back to Berkeley Fund.
Santee Cooper is South Carolina’s largest power provider, the ultimate source of electricity for 2 million people across the state, and one of America’s Best Midsize Employers as named by Forbes. Through its low-cost, reliable and environmentally responsible electricity and water services, and through innovative partnerships and initiatives that attract and retain industry and jobs, Santee Cooper helps power South Carolina. To learn more, visit www.santeecooper.com and follow #PoweringSC on social media.
COURTHOUSE: The County Courthouse will be closed Friday, December 22 through Tuesday, December 26, with the following Bond Court exceptions:The County Courthouse will close again on Monday, January 1, with Bond Court being held at 9:00 a.m. and 6:30 p.m.LIBRARIES: All Berkeley County Library branches will be closed Friday, December 22 through Tuesday, December 26. All branches will close again Monday, January 1.LANDFILL & CONVENIENCE CENTERS: The Landfill and all Cou...
COURTHOUSE: The County Courthouse will be closed Friday, December 22 through Tuesday, December 26, with the following Bond Court exceptions:
The County Courthouse will close again on Monday, January 1, with Bond Court being held at 9:00 a.m. and 6:30 p.m.
LIBRARIES: All Berkeley County Library branches will be closed Friday, December 22 through Tuesday, December 26. All branches will close again Monday, January 1.
LANDFILL & CONVENIENCE CENTERS: The Landfill and all County Convenience Centers will be closed Monday, December 25 and Monday, January 1. For a complete list of County Convenience Centers, go HERE.
ANIMAL CENTER: The Berkeley Animal Center will be closed Friday, December 22. Normal hours will resume Saturday, December 23. The Animal Center will close again Monday, December 25; Tuesday December 26; and Monday, January 1.
CYPRESS GARDENS: Cypress Gardens will be closed Sunday, December 24; Monday, December 25; and Monday, January 1.
– Prepared by the Berkeley County Public Information Office –
Individuals may register to vote in one of the following ways:
VOTER REGISTRATION BY MAIL: Berkeley County residents can also pick up forms 9 a.m. to 5 p.m. Monday through Friday at the Berkeley County Voter Registration & Elections Office or at one of the following locations:
If you’ve registered to vote but recently moved, you can update your address at www.scvotes.gov. If you moved within the same County, you can complete your change of address on the back of your current voter registration card and mail it to Berkeley County Voter Registration & Elections Office at P.O. Box 6122 Moncks Corner, SC 29461.
ABSENTEE BALLOTS: Starting Monday, January 1, voters may begin applying for absentee ballots for all 2024 elections. Individuals may request an absentee ballot by going in-person at Berkeley County Voter Registration & Elections Office or by calling 843-719-4058. See important deadlines below:
**More information about early voting in Berkeley County is forthcoming.** For more information on voter registration in South Carolina, go HERE; visit berkeleycountysc.gov/dept/elections; call 843-719-4056; or email firstname.lastname@example.org.
– Prepared by the Berkeley County Public Information Office –
The deadline to submit an online application for CDBG funding is 12 p.m. on Wednesday, January 31. To apply, go HERE. *Paper applications will be available upon request.*
Berkeley County is working in partnership with Civitas LLC to distribute these funds to eligible groups. Each applicant must meet certain eligibility requirements, listed HERE.
Berkeley County receives CDBG funds annually from the U.S. Department of Housing and Urban Development (HUD) to fund activities that primarily benefit low-and moderate- income areas or persons in unincorporated Berkeley County. These funds are based on a formula for entitled cities and counties. Read more about the CDBG program HERE.
– Prepared by the Berkeley County Public Information Office –
MONCKS CORNER, S.C. (WCIV) — For Thomas Hamilton, Moncks Corner is home.For nearly 30 years, Hamilton has resided within the community he's seen change with time. But when he heard that a plan was in place to build 88 homes, that was more change than he signed up for. So, when the local government voted no to the developer's plan to rezone Perry Hill, it was the outcome of Hamilton's hopes."It doesn't fit the fabric of Moncks Corner," Hamilton said with a subtle smile. "I'm so happy our council turned it do...
MONCKS CORNER, S.C. (WCIV) — For Thomas Hamilton, Moncks Corner is home.
For nearly 30 years, Hamilton has resided within the community he's seen change with time. But when he heard that a plan was in place to build 88 homes, that was more change than he signed up for. So, when the local government voted no to the developer's plan to rezone Perry Hill, it was the outcome of Hamilton's hopes.
"It doesn't fit the fabric of Moncks Corner," Hamilton said with a subtle smile. "I'm so happy our council turned it down."
Moncks Corner: Local government curbs construction to keep local charm intact, and Thomas Hamilton, a long-time resident, shared his thoughts on the no-vote (WCIV).
Underpinning Hamilton's reaction to the vote is a desire for Moncks Corner to stay small -- stay local. A place where big-box stores meet mom-and-pop shops, local eateries, and the culture cultivated through knowing the neighbors and saying hello to those seen in passing.
"I feel we can update and bring certain businesses to the area, but we really need to focus and support our smaller businesses in town," Hamilton said. "We don't want to become another Summerville with the congestion that they have. When I get to Moncks Corner, I want to enjoy moncks corner. I want to bring amenities to us to where we don't have to travel out."
And for those in local government, behind the vote to slow down building developments is a desire to understand the effects of construction on an intimate community.
"Council wants to pump the breaks a little on new construction to see how that impacts the town," said Michael Lockliear, Mayor of Moncks Corner. "We always try to put out the best product we can for the town. That is why we went through -- a couple years ago -- our ordinances to revamp and get the best product."
Read more: A finish worth the wait.
Hamilton plans to run for Mayor of Moncks Corner, and what is driving him is the insatiable desire to have his home feel like a place everyone who resides in it can recognize.
"I just want to have an all-inclusive Moncks Corner for everybody," he said.
And sometimes, that means saying no for now in the hopes of saying yes to something that better fits the community later.