Your Path to Homeownership Starts Here - Expert Mortgage Assistance

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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 Nexton, 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 Company Nexton, SC
Mortgage Lending Service Nexton, 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.

Refinancing Nexton, SC
Refinances Nexton, 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 Nexton, 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.

What Clients Say About Us

Mission One Mortgage: Turning Dreams into Reality, One Mortgage at a Time

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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 Nexton, 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
Cash Out Refinance Nexton, SC

Latest News Near Me Nexton, SC

Local mom’s new Nexton café aims to make healthy eating easy

For many Nexton residents, finding a quick meal often means choosing between convenience and nutrition. Julie Boone hopes her newest business proves they don't have to settle for either.Blue Café + Wellness Market recently opened its doors at 424 Brighton Park Boulevard, bringing specialty coffee, protein-packed smoothies, fresh grain bowls, wraps, salads and a carefully curated wellness market to one of the area's fastest-growing communities.But for Boone, Blue is about much more than serving healthy food; it's about cr...

For many Nexton residents, finding a quick meal often means choosing between convenience and nutrition. Julie Boone hopes her newest business proves they don't have to settle for either.

Blue Café + Wellness Market recently opened its doors at 424 Brighton Park Boulevard, bringing specialty coffee, protein-packed smoothies, fresh grain bowls, wraps, salads and a carefully curated wellness market to one of the area's fastest-growing communities.

But for Boone, Blue is about much more than serving healthy food; it's about creating a neighborhood gathering place.

"Healthy food should be convenient, delicious and something people genuinely look forward to eating," Boone said. "We want Blue to fit naturally into people's routines."

For Boone, opening in Nexton wasn't a business decision as much as it was a personal one.

She's called the community home for more than five years, raising her family in Brighton Park while watching the neighborhood continue to grow.

Along the way, she recognized a gap in the local dining scene—a place where families, professionals and fitness-minded residents could stop for breakfast, lunch or dinner without sacrificing quality ingredients.

"Opening Blue here felt incredibly personal," she said. "I saw a real opportunity for a neighborhood café that offered healthier, more substantial options beyond traditional coffee shop fare."

Blue occupies the space formerly home to The Bomb Bar, which Boone previously operated as a franchise. After years managing franchise businesses, she decided it was time to build something that reflected her own vision.

The name "Blue" takes its inspiration from the world's Blue Zones—regions known for having some of the longest-living, healthiest populations. While Boone isn't trying to recreate those communities, she wanted to borrow many of the same principles, whole foods and plant-forward meals. That philosophy shows up throughout the menu.

Customers can grab handcrafted smoothies, specialty coffee and breakfast in the morning before work, stop in for grain bowls and salads during lunch, or pick up prepared meals and healthier pantry staples on the way home.

Many menu items are naturally gluten-friendly or dairy-free, with an emphasis on whole-food ingredients and protein-rich options. Some early favorites are already emerging.

The grain bowls, each inspired by a different Blue Zone region around the world, have quickly become customer staples. Smoothies like the Build Plus, Blue Crush and Sunrise have also developed a loyal following.

Still, Boone said creating the menu wasn't nearly as simple as choosing ingredients.

"People see the finished product, but behind every smoothie, bowl or salad are countless rounds of testing, tweaking, nutritional analysis, sourcing ingredients and refining recipes," she said.

"It's an enormous amount of work,” said Boone, “but it's incredibly rewarding when guests come back and order those same items again."

Even renovating the café came with unexpected lessons.

Moving one refrigerated display case sparked a chain reaction of new countertops, electrical work and countless other improvements that weren't originally part of the plan. Like many small business owners, Boone quickly discovered that even modest renovations can snowball.

Thankfully, she hasn't had to do it alone.

As the mother of a 2-year-old overseeing three businesses, Boone credits much of Blue's success to her leadership team, including Director of Operations Natasha May and Café Director Haley Brooks, whose work helps maintain the welcoming atmosphere she envisioned from the start.

“I truly couldn't do this without an incredible leadership team," Boone said.

That sense of hospitality may ultimately be what separates Blue from other cafés. Boone hopes customers see familiar faces each visit and that they feel like they're dropping into a place that's part of the neighborhood.

Success, she said, won't simply be measured by sales.

"If people begin thinking of Blue as ‘their café’—the place they stop every morning, meet friends for lunch, grab dinner on a busy evening or recommend to neighbors—we'll know we've accomplished what we set out to do,” she said.

In a community that continues to welcome new residents almost daily, Blue Café + Wellness Market is aiming to become more than another place to grab coffee. Boone hopes it becomes one of those familiar neighborhood spots where healthy food, friendly faces and everyday routines naturally come together.

Local mom’s new Nexton café aims to make healthy eating easy

For many Nexton residents, finding a quick meal often means choosing between convenience and nutrition. Julie Boone hopes her newest business proves they don't have to settle for either.Blue Café + Wellness Market recently opened its doors at 424 Brighton Park Boulevard, bringing specialty coffee, protein-packed smoothies, fresh grain bowls, wraps, salads and a carefully curated wellness market to one of the area's fastest-growing communities.But for Boone, Blue is about much more than serving healthy food; it's about cr...

For many Nexton residents, finding a quick meal often means choosing between convenience and nutrition. Julie Boone hopes her newest business proves they don't have to settle for either.

Blue Café + Wellness Market recently opened its doors at 424 Brighton Park Boulevard, bringing specialty coffee, protein-packed smoothies, fresh grain bowls, wraps, salads and a carefully curated wellness market to one of the area's fastest-growing communities.

But for Boone, Blue is about much more than serving healthy food; it's about creating a neighborhood gathering place.

"Healthy food should be convenient, delicious and something people genuinely look forward to eating," Boone said. "We want Blue to fit naturally into people's routines."

For Boone, opening in Nexton wasn't a business decision as much as it was a personal one.

She's called the community home for more than five years, raising her family in Brighton Park while watching the neighborhood continue to grow.

Along the way, she recognized a gap in the local dining scene—a place where families, professionals and fitness-minded residents could stop for breakfast, lunch or dinner without sacrificing quality ingredients.

"Opening Blue here felt incredibly personal," she said. "I saw a real opportunity for a neighborhood café that offered healthier, more substantial options beyond traditional coffee shop fare."

Blue occupies the space formerly home to The Bomb Bar, which Boone previously operated as a franchise. After years managing franchise businesses, she decided it was time to build something that reflected her own vision.

The name "Blue" takes its inspiration from the world's Blue Zones—regions known for having some of the longest-living, healthiest populations. While Boone isn't trying to recreate those communities, she wanted to borrow many of the same principles, whole foods and plant-forward meals. That philosophy shows up throughout the menu.

Customers can grab handcrafted smoothies, specialty coffee and breakfast in the morning before work, stop in for grain bowls and salads during lunch, or pick up prepared meals and healthier pantry staples on the way home.

Many menu items are naturally gluten-friendly or dairy-free, with an emphasis on whole-food ingredients and protein-rich options. Some early favorites are already emerging.

The grain bowls, each inspired by a different Blue Zone region around the world, have quickly become customer staples. Smoothies like the Build Plus, Blue Crush and Sunrise have also developed a loyal following.

Still, Boone said creating the menu wasn't nearly as simple as choosing ingredients.

"People see the finished product, but behind every smoothie, bowl or salad are countless rounds of testing, tweaking, nutritional analysis, sourcing ingredients and refining recipes," she said.

"It's an enormous amount of work,” said Boone, “but it's incredibly rewarding when guests come back and order those same items again."

Even renovating the café came with unexpected lessons.

Moving one refrigerated display case sparked a chain reaction of new countertops, electrical work and countless other improvements that weren't originally part of the plan. Like many small business owners, Boone quickly discovered that even modest renovations can snowball.

Thankfully, she hasn't had to do it alone.

As the mother of a 2-year-old overseeing three businesses, Boone credits much of Blue's success to her leadership team, including Director of Operations Natasha May and Café Director Haley Brooks, whose work helps maintain the welcoming atmosphere she envisioned from the start.

“I truly couldn't do this without an incredible leadership team," Boone said.

That sense of hospitality may ultimately be what separates Blue from other cafés. Boone hopes customers see familiar faces each visit and that they feel like they're dropping into a place that's part of the neighborhood.

Success, she said, won't simply be measured by sales.

"If people begin thinking of Blue as ‘their café’—the place they stop every morning, meet friends for lunch, grab dinner on a busy evening or recommend to neighbors—we'll know we've accomplished what we set out to do,” she said.

In a community that continues to welcome new residents almost daily, Blue Café + Wellness Market is aiming to become more than another place to grab coffee. Boone hopes it becomes one of those familiar neighborhood spots where healthy food, friendly faces and everyday routines naturally come together.

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