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.
(843) 822-5685
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.
(843) 822-5685
MOUNT PLEASANT — A familiar drive-thru has quietly closed its long-standing location, leaving some customers asking: “Where’s the beef?”Wendy’s Old Fashioned Hamburgers in the Harris Teeter-anchored Sea Island Shopping Center in Mount Pleasant is now shuttered, ending a 40-year run.The fast-food restaurant has occupied a outbuilding since 1986 near the corner of Ben Sawyer and Chuck Dawley boulevards.“Sorry we are closed,” according to a notice posted in the pick-up window and si...
MOUNT PLEASANT — A familiar drive-thru has quietly closed its long-standing location, leaving some customers asking: “Where’s the beef?”
Wendy’s Old Fashioned Hamburgers in the Harris Teeter-anchored Sea Island Shopping Center in Mount Pleasant is now shuttered, ending a 40-year run.
The fast-food restaurant has occupied a outbuilding since 1986 near the corner of Ben Sawyer and Chuck Dawley boulevards.
“Sorry we are closed,” according to a notice posted in the pick-up window and side entrance.
At opening, the 2,500-square foot restaurant was the 13th Charleston-area location of the chain, according to a local news report.
The Chuck Dawley location has been removed from the corporate headquarters’ website. The company did not own the building, according to public real estate records.
Batson Hewitt, owner of the Sea Island Shopping Center, said discussions have already taken place with an unnamed tenant about what will replace the long-standing restaurant.
“I have been working with the current franchise owner and a new tenant to take over the space that will complement the other tenants in the Sea Island Shopping Center and provide a needed service to the surrounding Mount Pleasant community,” Hewitt said.
The closing leaves two Wendy’s in the East Cooper market — at 596 Long Point Road and 361 Johnnie Dodds Blvd. Others are still operating elsewhere in the region in Charleston, Goose Creek, Moncks Corner, North Charleston, Summerville and St. George.
A long-shuttered Wendy’s near the Medical University of South Carolina on the peninsula at 194 Cannon St. has been proposed as a hotel site for about a decade.
Dave Thomas opened the first Wendy’s restaurant in Columbus, Ohio, with a focus on hamburgers and its signature “frosty” drinks. He introduced the first modern-day drive-thru window in 1970. By 1985, the chain had opened its 3,000th location.
In 1979, Wendy’s added the salad bar to its menu, but were phased out in 2006.
In 2008, Wendy’s consolidated with Arby’s Restaurant Group Inc. and was based in Atlanta. Three years later, the chains decided to go their separate ways. Wendy’s moving its headquarters back to Ohio.
Last November, Ken Cook, the company's interim CEO, said hundreds of locations would be closing in an effort to trim costs and boost profits.
Wendy’s continues to operate more than 7,000 restaurants worldwide.
Requests for comment from the chain’s headquarters about the closure were not immediately returned.
MOUNT PLEASANT, S.C. (WCSC) — The town of Mount Pleasant Health, Recreation, & Events Committee met to discuss plans for what could be a new food forest and community garden in the area.This Food Forest and Community Garden initiative would be located at the R.L. Jones Center in Mount Pleasant.The difference from a food forest compared to a normal garden is the fact that the forest is perennial, creating a long-lasting garden and green space.“You don’t necessarily have to replant every year. You pla...
MOUNT PLEASANT, S.C. (WCSC) — The town of Mount Pleasant Health, Recreation, & Events Committee met to discuss plans for what could be a new food forest and community garden in the area.
This Food Forest and Community Garden initiative would be located at the R.L. Jones Center in Mount Pleasant.
The difference from a food forest compared to a normal garden is the fact that the forest is perennial, creating a long-lasting garden and green space.
“You don’t necessarily have to replant every year. You plant a blueberry bush, you get blueberries for as long as the bush lives,” Chairman of the Mount Pleasant Green Commission and Member of the Mount Pleasant Tree Task Force David Quick said.
The food forest would also support wildlife and pollinators, creating a sustainable ecosystem in the community.
“It’s time to reconnect with nature. A lot of times, you don’t see that hawk, or you don’t see that hummingbird or you don’t see that butterfly unless you’re out in the garden planting with your neighbors.” Quick said.
Building more community space in the area will hope to provide a hands-on learning experience for all ages.
“You don’t want it to be a one-time thing. You want it to be a continual thing. You want to be able to get together and weed the garden. You want to be able to get together and harvest the fruit.” Quick said.
The free fresh produce the garden can provide will also be able to help those in need of food assistance and hopefully local food banks too.
“What we’re doing is helping folks who really need help. We have one of the best farmers’ markets in the state of South Carolina,” Town of Mount Pleasant Recreation Director TJ Rostin said. “So, why not create our own little farm that may be able to just show how much we love green space and doing naturalistic things here in the town.”
This would also serve as a peaceful wellness space for residents to connect with.
“If you think about it, if you’re out in nature, you are recreating. It’s your leisure time,” Rostin explained. “It’s what you’re doing and we want folks to even if you’re not involved with the community garden, come out and look at it. Read a book on the bench. Just take it in.”
Officials hope to create an inclusive space, connecting neighbors and nature in the community.
“We are a town that embraces our green space, and we think that this is something that is just going to further enhance that idea,” Rostin said.
This Food Forest and Community Garden is still in the design and planning stages, but officials are optimistic about this initiative.
LOWCOUNTRY, S.C. (WCIV) — Fireworks are a long-standing part of ringing in the New Year, but many municipalities around the Lowcountry have different rules in place regulating their usage to protect from fires, injury, noise pollution, and waste. Find where you live on the list below to see what local laws and ordinances are in place:StatewideIt is illegal throughout South Carolina for individuals under the age of 16 to purchase fireworks under Title 23 Chapter 35 of state law. Citizens are not allowed to...
LOWCOUNTRY, S.C. (WCIV) — Fireworks are a long-standing part of ringing in the New Year, but many municipalities around the Lowcountry have different rules in place regulating their usage to protect from fires, injury, noise pollution, and waste. Find where you live on the list below to see what local laws and ordinances are in place:
Statewide
It is illegal throughout South Carolina for individuals under the age of 16 to purchase fireworks under Title 23 Chapter 35 of state law. Citizens are not allowed to make, store, transport, or possess fireworks containing pyrotechnic composition in excess of two grains, effectively limiting how loud fireworks can be.
Charleston
Fireworks are illegal to sell, possess, or discharge within the City of Charleston, including Daniel Island, under City Ordinance Sec. 13-191. Sparklers, snap-pops, and other small items are not regulated as firework materials and are okay to use. Firework displays can only be conducted by licensed operators with a permit issued by the city.
Mount Pleasant
The Town of Mount Pleasant does not have firework regulations in place, but routinely asks residents to be mindful of neighbors and not to set off fireworks too late in the evening or on multiple nights.
Isle of Palms
It is unlawful to discharge fireworks within Isle of Palms city limits unless it is for use in public display with a city-sponsored event. Sparklers are permitted year-round.
Sullivan's Island
No fireworks are allowed on the beach at Sullivan's Island at any time, and it is illegal to sell, possess, or discharge fireworks anywhere within the town, except as part of a public display with written approval from the Fire Committee of the Town Council.
James Island
Fireworks are allowed between the hours of 9 a.m. and 11 p.m. on James Island, but on New Year's Eve they will be permitted to go off until 1 a.m. New Year's Day.
Folly Beach
Fireworks are not allowed at any time on Folly Beach.
READ MORE | "Fire officials urge caution with New Year's fireworks amid dry conditions"
North Charleston
Firework discharge is generally allowed within North Charleston city limits yearlong between 9 a.m. and 11:30 p.m., and prohibited between 11:30 p.m. and 9 a.m. under the city's fireworks ordinance. On New Year's Eve, discharge is allowed until 1 a.m. the morning of New Year's Day.
Hanahan
It is illegal to set off fireworks in Hanahan outside of the 4th of July, Christmas Eve, Christmas Day, New Year's Eve, and New Year's Day. Discharge is allowed on New Year's Eve beginning at 10 a.m. until 1 a.m. on New Year's Day.
Summerville
Fireworks are permitted in Summerville between 10 a.m. and 10 p.m. every day year round, but on New Year's Eve are permitted until 1 a.m. New Year's Day.
Goose Creek
It is unlawful for any Goose Creek resident to discharge fireworks outside of the 4th of July, Christmas Eve, Christmas Day, New Year's Eve, and New Year's Day, unless a written permit is issued by city council.
Moncks Corner
The discharge of fireworks within town limits is allowed on New Year's Eve from 9 a.m. until 1 a.m. on New Year's Day.
The owner of the “Pinz" bowling alley in Milford has been accused of using over $1.2 million in COVID relief funds to build a house in South Carolina and buy multiple vehicles.David Breen, 54, of Mount Pleasant, South Carolina was charged in federal court in Worcester with one count of theft of government property, according to the U.S. Attorney’s Office.Breen has been accused of spending more than $1.2 million in Economic Injury and Disaster Loan (EIDL) money he received from the U.S. Small Business Administra...
The owner of the “Pinz" bowling alley in Milford has been accused of using over $1.2 million in COVID relief funds to build a house in South Carolina and buy multiple vehicles.
David Breen, 54, of Mount Pleasant, South Carolina was charged in federal court in Worcester with one count of theft of government property, according to the U.S. Attorney’s Office.
Breen has been accused of spending more than $1.2 million in Economic Injury and Disaster Loan (EIDL) money he received from the U.S. Small Business Administration (SBA) to build a home and buy a car and a truck.
Breen, who operated bowling alley and entertainment venue “Pinz” in Milford under the “Fun Zone” business entity, received $1.5 million in total from the SBA after applying in March 2022. Under the loan agreement, Breen was supposed to used the proceeds as working capital for his business.
However, Breen has been accused of using more than $1.2 million of this money through June 2023 to build a home for himself in Mount Pleasant, S.C., to buy a truck for $111,000 and to put a downpayment of $98,289 on a Mercedes, the office said.
If convicted, Breen could face up to 10 years in prison, three years of supervised release and a fine of up to $250,000. A federal judge will decide the sentence based on U.S. Sentencing Guidelines and federal law.
The charges were announced by U.S. Attorney Leah B. Foley, Homeland Security Investigations Special Agent in Charge Michael J. Krol, and Massachusetts Inspector General S. Jeffrey Shapiro.
The U.S. Small Business Administration’s Office of Inspector General in Boston also assisted in the investigation. Assistant U.S. Attorney Brendan D. O’Shea from the Worcester office is handling the prosecution.
ATLANTA--(BUSINESS WIRE)-- (NYSE: FND), the leading high-growth retailer specializing in hard-surface flooring for homeowners and professionals, has announced the grand opening of its newest warehouse store in Mount Pleasant, South Carolina, located at 1155 Holliday Farms Blvd. The warehouse store and design center has opened with a team of approximately 35 full-time and 15 part-time associates and is led by Matthew Peiffer, the store’s Chief Executive Merchant.Floor & Decor operates more than 250 warehouse-format stores and...
ATLANTA--(BUSINESS WIRE)-- (NYSE: FND), the leading high-growth retailer specializing in hard-surface flooring for homeowners and professionals, has announced the grand opening of its newest warehouse store in Mount Pleasant, South Carolina, located at 1155 Holliday Farms Blvd. The warehouse store and design center has opened with a team of approximately 35 full-time and 15 part-time associates and is led by Matthew Peiffer, the store’s Chief Executive Merchant.
Floor & Decor operates more than 250 warehouse-format stores and five design studios across 38 states and offers a broad assortment of in-stock hard-surface flooring, including tile, wood, laminate, vinyl, and natural stone, along with decorative accessories and wall tile, installation materials, and adjacent categories at everyday low prices.
“We are thrilled to expand to Mount Pleasant,” said Peiffer. “Opening this new store allows Floor & Decor to bring our products and expertise to even more homeowners and professionals. We’re looking forward to connecting with our new neighbors and making their renovation experiences seamless, creative, and budget-friendly.”
Ribbon Cutting Ceremony In celebration of the grand opening, Floor & Decor is hosting a Ribbon Cutting Ceremony on Tuesday, December 2, 2025, at 12:30 p.m. ET with the Charleston Chamber of Commerce, Mount Pleasant Chamber of Commerce, and special appearances by the Charleston Southern University Cheerleaders and Mascot.
Calling All Flooring & Home PROs Floor & Decor provides a comprehensive suite of services and a rewards program tailored for professionals in the construction, renovation, and flooring industries through its PRO Services and PRO Premier Rewards Program.
On Thursday, December 4, 2025, from 5:00–8:00 p.m. ET, Floor & Decor invites all PROs in the Mount Pleasant area to an exclusive PRO Industry Networking Event, featuring a boat giveaway. Pros can visit flooranddecor.com/mountpleasantpro to RSVP and register. During the event, visitors will meet the dedicated on-site PRO Services Team, interact with supplier representatives, and learn about Floor & Decor’s PRO Services and industry-leading PRO Premier Rewards program.
“Building relationships with our local professionals is very important to us. Their success is our success,” said Peiffer.
$5,000 Floor Makeover Sweepstakes In addition, the Mount Pleasant Floor & Decor store will give away a $5,000 Floor Makeover, plus a pair of 2026 Charleston Southern University Football Season Tickets, as part of its grand opening festivities. Customers can register to win from now through Sunday, February 1, 2026, at www.floormakeovermountpleasant.com/register.aspx
Super Saturday Celebration & Crack the Code Following the grand opening, the Mount Pleasant Floor & Decor store will host a family-friendly Super Saturday event on Saturday, December 6, 2025, from 10:00 a.m.–1:00 p.m. ET, to showcase local vendors and the new store to the community.
Floor & Decor will partner with local businesses, including Jack’s Cosmic Dogs and Spoon and Cake, while offering the first 200 customers a chance to win $100,000 from its Crack the Code game*. Customers can enter a five-digit code of their choice to see if they crack the code and win $100,000.
Store Facts & Features
For more information on Floor & Decor, please visit or follow on Instagram at .
About Floor & Decor Holdings, Inc. Floor & Decor is a multi-channel specialty retailer of hard surface flooring and related accessories and a commercial flooring distributor. At the end of the third quarter of fiscal 2025, the Company operated 262 warehouse-format stores and five design studios across 38 states. The Company offers a broad in-stock assortment of laminate and vinyl, tile, wood, and natural stone flooring, installation materials, decorative accessories, and adjacent categories at everyday low prices. Founded in 2000, Floor & Decor is headquartered in Atlanta, Georgia.
*Must be at least 18 years old to enter the $5,000 Floor Makeover and Crack the Code.