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 Mount Pleasant, 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 Mount Pleasant natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, 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.
MOUNT PLEASANT, S.C. (WCSC) - One major Mount Pleasant road project is finally going to see some progress after several complications put it on hold.Leaders say the $24 million Billy Swails Boulevard Phase 4B project, which has been years in the making, will soon become a reality.Because of the scale of this project, as well as the woodsy area they will be working in, leaders had to take a lot of steps to get to this point in the ...
MOUNT PLEASANT, S.C. (WCSC) - One major Mount Pleasant road project is finally going to see some progress after several complications put it on hold.
Leaders say the $24 million Billy Swails Boulevard Phase 4B project, which has been years in the making, will soon become a reality.
Because of the scale of this project, as well as the woodsy area they will be working in, leaders had to take a lot of steps to get to this point in the project’s timeline. They had to worry about wetlands and wildlife, such as endangered Rafinesque bats and yellow-spotted turtles, in the area.
James Aton is the deputy director of capital projects and the transportation department for the Town of Mount Pleasant. He said that they have been working with the U.S. Army Corps of Engineers and the Department of Natural Resources to get everything approved, and because there is federal funding involved in this project, they also had to follow the National Environmental Policy Act.
This project will make up over a mile and a half of roadway and will completely shift the traffic patterns in the north side of Mount Pleasant. The project in its entirety will essentially connect I-526 to the area of Porcher’s Bluff Road, running parallel to US-17 and Rifle Range Road, migrating the traffic that builds up in that frequently traveled area of the town.
This project will also alleviate a lot of the school traffic in the intersections near Jennie Moore Elementary and Laing Middle Schools in areas near Six Mile Road, Sweetgrass Basket Parkway and Hamlin Road.
Aton shared why there was such a need for this.
“So, this project was outlined in the long-range transportation plan decades ago and, again, is that last piece of the Hungry Neck, Sweetgrass and Billy Swails corridor. So, four other sections have already been built, and this is that last piece to finalize that that north-south corridor that will parallel US-17,” Aton said.
Aton said that the completion of this project will bring great benefits to the community and those who frequently travel the area.
“I think it’s going to improve traffic flow. I think you’re going to see a reduction in delay on 17. It’s also going to incorporate portions of the Mount Pleasant Way, which is a great initiative for those nonmotorized users. It will tie to the Vaughn Ed Kee project, which has existing sections of that trail as well as obviously the roadway. So, I think you’re going to see a big improvement in traffic and a lot of new opportunities to recreate through the town,” he said.
Aton said that they plan to finally put the project out to bid in March and contractors will have 45 days to put their bids in, so they will hopefully be able to begin construction by the summer.
Copyright 2025 WCSC. All rights reserved.
MOUNT PLEASANT, S.C. (WCSC) - The Park West Recreation Complex will soon be home to the new Mount Pleasant Makers Mart.It will be a weekly gathering that will celebrate local talent and community. It is planned to debut on May 2.The mart will run every Friday from 3:30 p.m. to 7:00 p.m. from May through October.“This market complements the current farmers market which is on Tuesdays, April through October. But the Friday market will offer farmers food products, artisans and lots of fun things that the community has...
MOUNT PLEASANT, S.C. (WCSC) - The Park West Recreation Complex will soon be home to the new Mount Pleasant Makers Mart.
It will be a weekly gathering that will celebrate local talent and community. It is planned to debut on May 2.
The mart will run every Friday from 3:30 p.m. to 7:00 p.m. from May through October.
“This market complements the current farmers market which is on Tuesdays, April through October. But the Friday market will offer farmers food products, artisans and lots of fun things that the community has been asking for,” Town of Mount Pleasant Event Coordinator for Mount Pleasant Recreation Department, Tracy Richter, said.
The Mount Pleasant Recreation Department Community Affairs & Marketing Division is working with a local event planner to organize the new weekly market.
Marianne Stavale Benkoski, Mount Pleasant Makers Market manager, has run markets in the area for several years. She has organized small businesses and holiday markets in Carolina Park. She has a passion for supporting local businesses and connecting with her community.
She started her own market 8 and a half years ago with 20 vendors. It grew to 85 vendors last year. Now she is focusing all her attention on this one. Benkoski said the potential is endless.
“This area could go up to, oh my gosh, you could have 50, 60 vendors, all the food trucks you can imagine, music galore. I mean it’s just endless things that could happen right here on this ground,” Benkoski said.
Benkoski added it’s about more than just shopping, it’s about the community and loving where you live.
All artisans will hand-make their items and all food will be South Carolina-based.
“This community needs the Friday night life and Friday night, like the football games that we have in the schools, just more of that. Almost like a Hallmark movie, where you meet on a Friday night here, for music for fun, children’s activities, and buy things,” Benkoski said.
If you want to attend the debut on May 2, you can stay up to date on the Mount Pleasant Recreation Department’s Facebook page or by signing up for their newsletter.
If you want to review the market guidelines, click here.
Applications are now open for vendors. You can email makersmart@tompsc.com if you’re interested.
Copyright 2025 WCSC. All rights reserved.
MOUNT PLEASANT— After years of hosting shows in schools and churches, groups that include choirs, theatre troupes and other performing artists will have a space to stage their productions.The town of Mount Pleasant's long-awaited community arts center, tentatively named The Venue MTP, will be located on Johnnie Dodds Boulevard. The old ...
MOUNT PLEASANT— After years of hosting shows in schools and churches, groups that include choirs, theatre troupes and other performing artists will have a space to stage their productions.
The town of Mount Pleasant's long-awaited community arts center, tentatively named The Venue MTP, will be located on Johnnie Dodds Boulevard. The old Pivotal Fitness gym space at 627 Johnnie Dodds Blvd. in the Plaza at East Cooper shopping center is currently being renovated.
The town finalized the lease for the roughly 9,000-square-foot space this month.
The arts center will consist of two classrooms, a large open space for performances, plus a backstage area and storage. Visual arts classes, such as painting courses, will be hosted in the two classrooms.
Live performances, classes and art exhibits will be hosted on site and community groups will be able to rent the space for their performances.
The initial improvements of the building by the landlord are expected to be completed by June, Mount Pleasant Recreation Director Steve Gergick said at the town's Health, Recreation and Events Committee meeting Jan. 6.
"We are beginning work now on the branding of the facility and the preparation for opening," Gergick said.
Once open, it will be Mount Pleasant's only public performance space, something community arts groups have said is desperately needed. Demands for more spaces for theatre troupes, choirs and dancers to perform have increased over the years.
A local nonprofit called East Cooper Arts Advocates, which formerly did business as the Mount Pleasant Community Arts Center, formed in 2016. The organization, which is not affiliated with the town, has been seeking more performance spaces locally.
Choirs and dance troupes have turned to renting out churches or schools for rehearsal spaces, or leaving the town altogether to find sufficient room to perform, arts center President Marie-Louise Moreto said.
"There is no performance space, there's no music hall, there's no public art exhibit space in Mount Pleasant, and we've lost a lot of artists," Moreto said. "We have been advocating for an arts center since 2016 and we're really happy that the town is taking these first steps," Moreto added.
Arts center operator Keely Enright told committee members Jan. 6 it would take roughly three to four weeks after the upfit is complete and the certificate of occupancy is received before events and classes are hosted in the space.
"We're going to move as quickly as we can once we have a (certificate of) occupancy to get this up and running started," Enright said.
Enright was contracted as the artistic director and operator of the arts center in July. She also serves as the the producing artistic director for the Village Repertory Co., a nonprofit theatre company in Charleston, and on the town's Recreation Advisory Committee.
The Village Repertory Co. spent 11 years putting on shows at a playhouse on Coleman Boulevard. The company left for Charleston in 2012 after outgrowing the space.
Published: Jan. 6, 2025 at 12:45 PM PST|MOUNT PLEASANT, S.C. (WCSC) - Residents of a Mount Pleasant neighborhood are rallying together to find the person responsible for setting leg traps that have left multiple red foxes with injuries.Jessica Lewis is a Hobcaw Point resident who said she has seen foxes limping down her neighborhood street.Neighbors have spotted a total of five different crippled foxes in the Hobcaw Point area. So far, two of the foxes have been captured and rehabilitated. Lewis said the first fox captur...
Published: Jan. 6, 2025 at 12:45 PM PST|
MOUNT PLEASANT, S.C. (WCSC) - Residents of a Mount Pleasant neighborhood are rallying together to find the person responsible for setting leg traps that have left multiple red foxes with injuries.
Jessica Lewis is a Hobcaw Point resident who said she has seen foxes limping down her neighborhood street.
Neighbors have spotted a total of five different crippled foxes in the Hobcaw Point area. So far, two of the foxes have been captured and rehabilitated. Lewis said the first fox captured is named Toni, and her injuries were so horrible that she had to have her front leg amputated at a cost of approximately $3,500.
The two captured foxes have since been transported to Izzie’s Pond, a sanctuary in Anderson County where they will safely live the rest of their lives in captivity.
Lewis said they’re still looking for the other three foxes so they can humanely capture them and give them the treatment they need.
“Since then, we have seen three other foxes with the same types of injuries that are consistent with leg hole traps, and we’re currently trying to capture those animals and rehab them as well,” she said. “We fear that one of them may have passed. We have only seen two recently, so we’re still desperately looking for these animals.”
Lewis said there has been widespread concern throughout her neighborhood regarding the mutilated conditions of these foxes.
READ MORE: Lowcountry wildlife rehabilitation center sees rise in calls about wild foxes
She said the Hobcaw Point Homeowners Association had a neighborhood meeting a few days before Christmas to address the community’s concerns about the foxes.
Lewis said this meeting prompted neighbors to come together and raise both awareness and money for the foxes.
Not only is Lewis concerned about the health and wellness of the foxes, but she said she’s worried that the next living creature that could possibly get caught in these foot traps could be someone’s pet, or even worse, someone’s child.
“The big concern for the residents here, not only is it’s so sad to see these animals suffering, but this is a big neighborhood of kids,” she said. “This is a big neighborhood of other animals, dogs, cats, running around. It would be horrific to see a child or an animal wander into a backyard and get injured by one of these traps.”
Lewis said it’s unclear where the injured foxes are coming from but she is determined to find out.
“It’s a pretty small neighborhood. Most of the appearances have been along Hobcaw Drive. We’ve seen them on Molasses Creek, Copahee Road- they’re in this general vicinity,” she said. “We’ve seen them injured over at the Hobcaw Yacht Club. It’s a tight spot, but there are a couple of streets that could be involved.”
Lewis said as of Monday, Hobcaw Point residents have raised a $1,000 reward for any information that could help them identify the person responsible for setting these traps.
“The traps themselves are not illegal, but the way they’re being used is actually illegal and can lead to actually jail time if this person is caught,” she said. “Because essentially what happens is if you use these correctly, you capture the animal, and then the animal is put out of its misery. If the animal is released, that’s where this starts to become unlawful.”
In addition to the reward, Lewis said she and her neighbors are also raising funds to help cover the costly medical procedures many of the injured foxes will most likely have to undergo.
“What’s funny is people in the neighborhood, they love these foxes. There are people in the community who’ve created little dens in their backyard so that they have a nice place to live in the wintertime. They’re very much a part of the community here. They’re not viewed as dangerous; they keep to themselves. So, it’s really sad to see this behavior going on,” Lewis said.
She said the only investigation into this issue so far has been carried out by the residents of Hobcaw Point.
“I’ll tell you, not only do we care, but we’re going to find this person, and we’re going to make sure that this stops because nobody wants to see this. It’s just too risky for our kids and our pets to have these types of traps in our community,” Lewis said.
She said they’ve had a few tips called into them, but their investigation has been a little difficult considering she lives in a neighborhood where peoples’ yards are private property.
“We’re looking for any information that can lead to the identification of this individual. At the end of the day, we just want to see these traps stop being used in our community,” Lewis said.
Lewis said she realized there was a problem with foot traps in her neighborhood when she saw a fox with an entire leg trap still stuck on its leg back in August.
“The whole trap was still connected to its leg and was clearly injured. Unfortunately, we were unable to find it. So, it escaped into the woods, and that was that,” she said.
She said this entire situation is one giant mystery, but it’s a mystery that she and her neighbors are adamant about solving.
“We all want to know. It’s like a great mystery, and it just doesn’t make sense. I mean, it’s so inhumane. Nobody can make sense of this. It’s incredibly sad. And we love these foxes in this community. None of us want to see this continue,” Lewis said.
Lewis said in addition to monetary donations, they also need blankets and towels.
“When they’re in their cage, if they’re in pain, they actually will tear up the blankets and the towels. So, we’ve been having to get new ones all the time because they just have to be thrown out every day,” she said.
Copyright 2025 WCSC. All rights reserved.
MOUNT PLEASANT — Hundreds of antiques and memorabilia from various periods of American history will be on display at the Omar Shrine Auditorium this weekend.Visitors will have the opportunity to take home their own piece of history, talk with collectors and history buffs, and win prizes at the Lowcountry Antique Military a...
MOUNT PLEASANT — Hundreds of antiques and memorabilia from various periods of American history will be on display at the Omar Shrine Auditorium this weekend.
Visitors will have the opportunity to take home their own piece of history, talk with collectors and history buffs, and win prizes at the Lowcountry Antique Military and Americana Show and Sale on Jan. 4 and 5.
Around 200 displays and sales tables will fill the Omar Shrine Temple in Mount Pleasant, manned by antique buyers and sellers who are interested in artifacts from days gone by, including coins, bottles, arrowheads, maps, fossils and relics from the Revolutionary War to World War II.
A certified appraiser will be on-site, ready to evaluate any antiques or artifacts brought to the show for free. Butch Holcombe, publisher of American Digger magazine, which sponsors the show, encouraged people who have old items or hand-me-downs lying around to bring them in.
Holcombe said you never know what might come through the show's doors.
In past years, he's seen a Civil War-era belt buckle with the Maryland state seal be valued at $75,000. Another time, a man came in with a box of rare Confederate bullets and sold them all before the show ended.
"It is a great place for people to come if they've got … an old musket in the closet, or an old newspaper or letter signed by great-great-grandpa. Bring it to the show and let people look at it. They can not only authenticate it, but they can give you a very good idea of what it's worth," Holcombe said.
Anita Holcombe, executive director of American Digger magazine, said many of the vendors have spent years cultivating their collections and have an extensive knowledge of their history niche.
"There's plenty of people who've been doing this for years, collecting, that they can really teach people about what artifact it is they hold," she said.
The event is popular with relic hunters who use metal detectors and collectors of military artifacts, though modern history displays are represented, as well. Event organizers noted there will be security inspecting antique guns or weapons before entering.
This year's show will feature awards for historical displays and door prizes for the public. Tickets are $10 at the door for adults. Children under the age of 12 will receive free admission and a small artifact.
The Lowcountry Antique Military and Americana Show and Sale will be at the Omar Shrine Auditorium, 176 Patriots Point Road, from 9 a.m.-5 p.m. on Jan. 4 and 9 a.m.-3 p.m. on Jan. 5.