Mortgage Broker in Mount Pleasant, SC

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

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

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

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

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.

Contact Us For Service !

Free Consultation phone-number (843) 822-5685

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 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.

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

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.

 Mortgage Broker Mount Pleasant, SC
 Mortgage Company Mount Pleasant, SC

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.

 Mortgage Lending Service Mount Pleasant, SC
 Refinancing Mount Pleasant, SC

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.

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:

  • 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

Head-bottom

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.

Contact Us For Service !

phone-number (843) 822-5685
 Refinances Mount Pleasant, SC

Latest News in Mount Pleasant, SC

Meet the candidates: Mark Flannery

Tell me about your professional background and how you feel it makes you a good fit to be a council member.I’ve been teaching in Charleston County since 2016. This is my 24th year teaching. The local aspect of teaching, most of my career has been in teaching elementary school, but still the local aspect of working in the community where I live has always been something that I really like. Now I’m in North Charleston, so it’s the greater community where I live. I think this is a theme of why I’v...

Tell me about your professional background and how you feel it makes you a good fit to be a council member.

I’ve been teaching in Charleston County since 2016. This is my 24th year teaching. The local aspect of teaching, most of my career has been in teaching elementary school, but still the local aspect of working in the community where I live has always been something that I really like. Now I’m in North Charleston, so it’s the greater community where I live. I think this is a theme of why I’ve chosen to run for Town Council because I would like to see Mount Pleasant make its own decisions on a local level and be responsible for them and with citizens participating in the process. I lived in France for seven years and I have a Bachelor of Science in French and psychology and a master’s degree in educational technology. I’ve just always been part of the local community and have worked well with others.

What do you feel is the biggest issue facing the town today, and what plans do you have to address this?

I have a daughter, a six-year-old, and we went to James Island yesterday to go rock climbing in James Island County Park. I would like to see the green spaces improved in Mount Pleasant to make it something where travelers don’t have to go across town to go to the (County) Park. I know that there’s a bike path in … Laurel Hill County Park and just a dirt road going in a half-mile circle and there are things that we can put back there that would be places you can take your kids and take your family.

The other thing is I think that health all across the United States is a problem. We pay more for healthcare. We have more healthcare issues related to obesity and diet. I would like to be somebody who spreads the message of healthy eating and healthy lifestyles lead to better lives. We have a great little local market there at Boone Hall...we have the Farmers Market on Tuesday and Boone Hall is open the rest of the week.

The results of the Public Input Matters survey found that throughout all seven districts in town, respondents feel that traffic in Mount Pleasant needs to be improved. What are some concrete solutions that you feel can address this?

The traffic in Mount Pleasant and housing in Mount Pleasant — I don’t know if ‘victims of our own success’ is the right word for it. We have a very unique geography here. We are a virtual island in that there’s no shortcuts. There’s one way in and one way out. You may come across I-526 or I-26 or you go north towards McClellanville and Georgetown up (Highway) 41. There just isn’t room.

I know that the Town Council has a plan and they’ve already hired a company to look into certain traffic solutions. As a new council member, I’m not sure if I would be able to offer anything different to what they have already decided on.

Another area Public Input Matters survey takers responded to was housing availability. Forty-one percent of respondents felt that affordable housing options should be increased. How do you feel this can be accomplished?

I think it speaks well to the people in Mount Pleasant that we want things for people like affordable housing, but whether or not there is a feasible solution to providing that affordable housing — where are we going to put affordable housing? It makes sense that people want affordable housing but do they want the affordable housing in their backyard?

I want to live locally, I want to buy locally, want to shop locally, but we can’t escape the fact that a lot of our local decisions are made on a state and national and global level. How does Mount Pleasant make affordable housing when the interest rates are 7.75 percent? There are things happening on a national level that we just can’t control that can make our job of creating affordable housing next to impossible.

Is there anyone who has served as a role model to you, either from politics, past experiences or family members, that you look to and consider while you run for office?

One thing my dad always taught us was sometimes doing the right thing is the hardest thing to do, but you can take solace in the fact that it’s the right thing to do. I am a part owner of a restaurant in Washington, D.C. with my brother Eric and when Washington D.C. decided to impose the vaccine mandate on restaurants … we were the only restaurant in Washington, D.C. to actively say no, we’re not going to check people’s health papers. It was very hard on my brother to do that, and he’s such a big part of the local community. What I just really admired was his courage and even though it financially wasn’t the best decision. Financially, it wasn’t a great decision, but it was the right decision to make and his principles are something that I truly admire and I try to follow that example in my own life.

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Charleston gym plans to build in Mount Pleasant; Publix relocation plans up for review

A Charleston workout site owner who transformed an old warehouse into a gym is now eyeing East Cooper for a new ground-up fitness center.Ethos Athletic Club wants to build a two-story, 20,065-square-foot facility at the juncture of Hungryneck Boulevard and Midtown Avenue in Mount Pleasant.Ethos, founded by w...

A Charleston workout site owner who transformed an old warehouse into a gym is now eyeing East Cooper for a new ground-up fitness center.

Ethos Athletic Club wants to build a two-story, 20,065-square-foot facility at the juncture of Hungryneck Boulevard and Midtown Avenue in Mount Pleasant.

Ethos, founded by workout enthusiast, Charleston native and Citadel graduate Joey Welling, opened its first location in 21,000 square feet on Huger Street beside High Wire Distilling in 2021. That space had previously operated as a storage site for an events company and decades ago as a backup warehouse for the long-gone Sears department store.

The proposed Mount Pleasant location will be new construction. The town’s Design Review Board will consider preliminary approval of the site, landscape and architecture on Dec. 6.

Publix plans

Plans to relocate a Charleston grocery store are moving forward with new design plans presented to the city.

Eighteen months after the property owner first indicated the planned relocation of Publix supermarket in Ashley Landing Shopping Center, the city’s Design Review Board is set to review the proposed project Dec. 4.

Charlotte-based retail center owner Faison wants to move the grocer from an existing 48,391-square-foot free-standing structure between Sam Rittenberg Boulevard and Old Towne Road to a 48,387-square-foot store connected to the east side of the main shopping center.

To make that happen, Faison wants to demolish 130,180 square feet on the retail destination’s east side where Dollar Tree and Big Lots are located and tear down a 12,820-square-foot structure on the back side of the shopping center.

The demolished portions will make room for the grocery store, a 14,170-square-foot retail tenant and space behind the supermarket as a turnaround area for delivery trucks.

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Dollar Tree’s lease extends through mid-2024 and Big Lots is leasing month to month, according to Kris Fetter, president and CEO of Faison.

The planned retail portion of the building next to the proposed relocated Publix is not being marketed until Faison’s plan works its way through the city’s review process, Fetter said.

Real Estate

The future of the existing Publix site hasn’t been determined. Apartments were planned on the site at one time, but the proposal received a cool reception from West Ashley residents.

Fetter said the company is willing to work with the city on a collaborative approach to redeveloping the property, including making the site more user-friendly for bicyclists and pedestrians.

Mixed use

A new three-story building over parking is in the works for Daniel Island.

The proposed 17,865-square-foot structure on three levels above almost 6,000 square feet of parking is planned for 211 Seven Farms Drive.

The building will include space for three retail shops on the first floor and two residential units each on the top two levels. Sixteen parking spaces are proposed.

Real Estate

The property is owned by SLS Development LLC, which paid $680,000 for the 0.34-acre site in August, according to Berkeley County land records.

Charcuterie concept opens first South Carolina location in Mount Pleasant

Listen to this articleGraze Craze, a new charcuterie concept known for crafting grazing boards and boxes, has opened its first South Carolina location at 3373 South Morgans Point Road in Mount Pleasant.The new storefront is located in the National Crossing shopping center at the main entrance of the Charleston National neighborhood, according to a news release. Graze Craze is a part of Big Flavor Brands, the food service division of Starpoint Brands, a family of companies affiliated with United Franchise Group.At Graze C...

Listen to this article

Graze Craze, a new charcuterie concept known for crafting grazing boards and boxes, has opened its first South Carolina location at 3373 South Morgans Point Road in Mount Pleasant.

The new storefront is located in the National Crossing shopping center at the main entrance of the Charleston National neighborhood, according to a news release. Graze Craze is a part of Big Flavor Brands, the food service division of Starpoint Brands, a family of companies affiliated with United Franchise Group.

At Graze Craze, charcuterie experts, known as grazologists, design arrangements that feature an array of ingredients that are ideal for grazing, like fresh fruits and vegetables, premium meats and cheeses, artisanal sweets, nuts and more, the release stated.

The Mount Pleasant Graze Craze is the only one of its kind in the Charleston area, and the franchise owners behind the new store Keith and Kendra Lovas are thrilled to share something completely new with the community they call home, the release stated.

Related content: Restaurant, entertainment venue opens in downtown Charleston

Related content: Lowes Foods to open Summerville store, close others

“The wonderful people of Mount Pleasant love to gather and celebrate,” said Keith Lovas in the release. “There is no better centerpiece for a special occasion than a Graze Craze charcuterie board — it’s unmatched in quality, beauty and functionality.”

The Lovas enjoy playing a role in their community with Kendra working at a local elementary school and Keith coaching youth sports teams through the Mount Pleasant Recreation Department, according to the release. In addition to serving exceptional grazing boards, the Lovas plan to use their Graze Craze to expand their local involvement and sponsor sports teams, further supporting kids in being active and chasing their dreams. The Lovas are also interested in bolstering regional business development through their involvement with the Mount Pleasant Chamber of Commerce.

Graze Craze charcuterie arrangements incorporate an assortment of flavors, like the popular Gone Grazey board, balanced to provide a bit of everything – a mix of cured meats, premium cheeses, crackers, fresh produce, nuts and more. The Vegegrazian is designed with a medley of fresh fruits and vegetables for anyone embracing a plant-based lifestyle.

The artisan-inspired charcuterie offerings at Graze Craze are available in different size options, from Char-Cutie-Cups and Picnic Boxes for nibbling to sharing-size boards with enough fresh food to feed a large party, the release stated.

HOT PROPERTIES: Retail center sells for $28.5M in Mount Pleasant

Alan Freeman and Jeff Yurfest of The Shopping Center Group represented the buyer, Edens, in the sale of 104,000 square feet and 8.8 acres of retail space at Moultire Plaza on Coleman Boulevard and Simmons Street in Mount Pleasant.GMB LLC sold the property for $28.5 million. Tim Wood and Woody Kapp of Meyer Kapp and Associates represented the seller.Other commercial real estate transactions in the Charleston area include:Jing “Julia” Donovan of Cold...

Alan Freeman and Jeff Yurfest of The Shopping Center Group represented the buyer, Edens, in the sale of 104,000 square feet and 8.8 acres of retail space at Moultire Plaza on Coleman Boulevard and Simmons Street in Mount Pleasant.

GMB LLC sold the property for $28.5 million. Tim Wood and Woody Kapp of Meyer Kapp and Associates represented the seller.

Other commercial real estate transactions in the Charleston area include:

Jing “Julia” Donovan of Coldwell Banker Commercial Atlantic represented the tenant, Manqing Ye, in the lease of retail space at 1039 Johnnie Dodds Blvd. in Mount Pleasant. Mark J. Tezza of Kennerty, Ratner, Tessa LLC represented the landlord, Caro-Cal Associates LLC.

Hannah Kamba and Brent Case of Coldwell Banker Commercial Atlantic represented the tenant, Dulce Inc., in the lease of 2,404 square feet of retail space at One Nexton Blvd. in Summerville from The Shopping Center Group. Jeff Yurfest represented the landlord.

Robert Pratt of Re/Max Pro Realty represented the landlord, 113 N. Magnolia LLC, in the lease of 1,366 square feet of retail space at 113 N. Magnolia St., Suite A, in Summerville to Sip of the South LLC. Roy Oglesby of Carolina One Real Estate represented the tenant.

NAI Charleston veteran broker Will Sherrod recently facilitated the sale of a 23,755-square-foot former bank branch and additional office space on 3.7 acres of land at 201 N. Spence Ave. in Goldsboro, N.C. The property is located approximately one mile from Seymour Johnson Air Force Base and sits near N. Berkeley Boulevard, which is the main retail corridor serving the Goldsboro market.

Jenna Philipp of Palmetto Commercial Properties LLC represented the landlord, James Island Business Park LLC, in the lease of 15,315 square feet of industrial space at 1750 Signal Point Road to Jenna Mobile Philipp.

Caroline Boyce of Coldwell Banker Commercial Atlantic represented the tenant, Sweet Moon Bakery, in the lease of 1,200 square feet of retail space in Unit 12 at 5131 Dorchester Road in North Charleston. Vitre Ravenel Stephens and Taylor Sekanovich of Harbor Commercial Partners represented the landlord.

Hannah Kamba and Brent Case of Coldwell Banker Commercial Atlantic represented the tenant, Blue Clements Ferry Inc., in the lease of 4,000 square feet of retail space at 834 Foundation St. in Charleston. Fritz Meyer and Eric Meyer of Meyer Kapp & Associates LLC represented the landlord.

Hannah Kamba and Brent Case of Coldwell Banker Commercial Atlantic represented the tenant, Catrinas Nexton Inc., in the lease of 4,567 square feet of retail space at One Nexton Blvd. in Summerville. Jeff Yurfest of The Shopping Center Group represented the landlord.

Todd Garrett, Tradd Varner and Crawford Riddle of Harbor Commercial Partners represented the buyer, 2514 Oscar Johnson Road LLC, in the sale of 4,968 square feet industrial space at 2514 Oscar Johnson Road in North Charleston from the estate of Johnathan Uram for $785,000. Robin Pye of Carolina One Real Estate represented the seller.

Vitré Ravenel Stephens and Taylor Sekanovich of Harbor Commercial Partners represented the landlord, Fifty-Two Associates, in the lease of 2,750 square feet of retail space at 8410 Rivers Ave., Suites B and C, North Charleston, to Mulligan's.

Mark Erickson and Jarred Watts of Colliers represented Geopolymer International LLC in the leasing of 4,000 square feet of industrial space at 200 Varnfield Drive in Summerville.

Hot Properties highlights recently sold or leased commercial properties in the Charleston region. Send in your transactions using our online form.

Mount Pleasant community fights proposed dog park

MOUNT PLEASANT, S.C. (WCSC) - A historic Mount Pleasant park was possibly going to be a dog park before nearby community members banded together against the development.Now, the development has been put on hold and nearby residents are celebrating the victory.At Edwards Park in historic Mount Pleasant, the park has been here since 1837, that’s why the proposed development brought together the community to maintain its historical significance.“I heard about the dog park that the town was proposing an idea to d...

MOUNT PLEASANT, S.C. (WCSC) - A historic Mount Pleasant park was possibly going to be a dog park before nearby community members banded together against the development.

Now, the development has been put on hold and nearby residents are celebrating the victory.

At Edwards Park in historic Mount Pleasant, the park has been here since 1837, that’s why the proposed development brought together the community to maintain its historical significance.

“I heard about the dog park that the town was proposing an idea to divide and fence half of the park, and the community spoke out and said we don’t want this, and the town council responded,” Sarah Mitchell who lives near Edwards Park says. “And as I know, it is off the table for now. So, which is wonderful, but in the future, we’d like to do a historical designation of the park.”

Turning Edwards Park into a dog park was an idea shared with the community a few weeks ago, but the town decided to stop pursuing the project after over 700 Mount Pleasant residents signed a petition against it.

Eric LaFontanie with Mount Pleasant said after hearing feedback and considerations from the community, the town will not be pursuing this Edwards Park concept at the moment.

The park currently sits in the middle of a neighborhood with homes surrounding it on all sides with homeowners concerned about the potential impact on traffic and noise it would have on residents.

“It’s important just for traffic, noise, and other reasons, that we don’t ever make it an official dog park. Like I said, folks can use it now as it is: you could still come with your dog, but we also want it open for everyone,” Mitchell says.

Edwards Park is used by many members of the public to picnic, host group gatherings, go for walks, and more, which is why the community wanted it to be open to all.

“When you turn something into a dog park, it really limits it to just one use,” Park Preservation Advocate Daniel Brownstein says. “I mean, nobody’s going to go have a picnic at a dog park, so it just made sense, I think, to keep the status quo and make sure that it’s open to people and dogs and not exclusive to one or the other.”

Turing Edwards Park into a dog park was part of Mount Pleasant’s plan to improve Alhambra Hall, grounds and playground, the other improvements are all still set to begin next summer.

“I think if anything, the park could use a little TLC with its landscaping,” Brownstein adds. “It would also be an ideal spot to build a gazebo, and to really just sort of enhance it into the community gathering spot that it could be.”

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