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 Nexton, 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 Nexton natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Nexton, 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 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.
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 Nexton, 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 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:
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 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.
SUMMERVILLE — A new hotel is slated for a large mixed-use development in Berkeley County, and it'll be a first in the state for overnight travelers.Lowcountry Hotels plans to add a 150-room Tempo by Hilton in Nexton to its six-property portfolio after recently acquiring the first franchise agreement for the flag in the state.To date, ...
SUMMERVILLE — A new hotel is slated for a large mixed-use development in Berkeley County, and it'll be a first in the state for overnight travelers.
Lowcountry Hotels plans to add a 150-room Tempo by Hilton in Nexton to its six-property portfolio after recently acquiring the first franchise agreement for the flag in the state.
To date, just four of the lifestyle lodgings have been built in New York City, Nashville, Raleigh and Louisville, Ky. Several more are in the works, including a Savannah Tempo.
The Hilton brand made its debut in 2020 as a modern place to stay for "fitness and wellness."
The seven-story Nexton lodging will have a rooftop patio, first-floor restaurant and a large fitness center. Premium rooms with in-suite fitness equipment will also be available. The project is currently in the planning phase.
The hotel will be built at the corner of Nexton and Drop Off drives — about a half-mile from the locally owned Lowcountry Hotels' 250-key dual-branded Hilton Garden Inn and Homewood Suites. Dan Blumenstock, vice president and director of operations, said he hopes to break ground next year.
The Summerville expansion follows multimillion-dollar investments in upgrades the company has announced for its two North Charleston lodgings.
Scott Fennell, president of Lowcountry Hotels, said when the firm was exploring options to expand, it knew it wanted to build it and find a brand that suited the location.
West Ashley, Mount Pleasant and downtown Charleston were all candidates, but Summerville "was the natural choice to grow," Fennell said.
"The unique aspect of Tempo invites guests to enjoy the public spaces across the hotel," he added.
Meanwhile in North Charleston, Lowcountry Hotels' three properties near Tanger Outlets and the Charleston Area Convention Center are getting a major makeover.
Opened in 2002, the Hilton Garden Inn at 5265 International Blvd. recently completed a lobby and fitness center upgrade, relocated its pool outside, refreshed the rooms and bumped out the building by 15 feet to add a bar and patio area.
Fennell said the renovation elevates the brand's standard, adding amenities that travelers want.
"For example, we've seen from our other properties that outdoor pools are more utilized than inside pools. We listened, and that is the kind of feedback driving these upgrades," Fennell said. "We are their home away from home, and it's important to never lose sight of that expectation."
The last major update to the Hilton Garden property was in 2008, when the owner added 41 guest rooms and a conference space.
"If you walk into our renovated hotel, we want you to feel like you're walking into a brand new hotel. It doesn't feel like you're in a 23-year-old hotel," Blumenstock said. "We're going above and beyond what the brand brand expects of us. We implement the guest feedback where we can by reinvesting into the asset. "
Similarly, the company's nearby Holiday Inn Express at 3025 W. Montague Ave. has completed a guest room, patio and lobby makeover.
Fennell said it's vital to "keep up with the times and trends of what guests want and expect" during their stay. As of lately, that means prioritizing its fitness, food and beverage programs across the portfolio.
"We see a lot of guests who want the option to grab a bite to eat or drink at the hotel before they head downtown, or if they're here on business they want to come back to the hotel and unwind at the bar before bed," Fennell said.
The company's DoubleTree Hilton Hotel North Charleston-Convention Center, a former Holiday Inn at 5264 International Blvd., is next in line for an update.
A plot of Berkeley County land once in the hands of a packaging manufacturer has become the home of a burgeoning population of people and businesses with a density that could be mistaken for South Carolina’s next town.In fact, about 12,000 people now call Nexton home.A decade ago Brookfield Properties saw the prope...
A plot of Berkeley County land once in the hands of a packaging manufacturer has become the home of a burgeoning population of people and businesses with a density that could be mistaken for South Carolina’s next town.
In fact, about 12,000 people now call Nexton home.
A decade ago Brookfield Properties saw the property as a solution to the Charleston area’s rising population and its corresponding rise in housing demand.
Residents in the master planned community in Summerville range from young adults and families to active adults over 55 years old, said Cassie Cataline, marketing director for Nexton.
What is Nexton?
The Nexton land served an entirely different purpose for years before being purchased for the community. WestRock, a packaging company based in Virginia, owned most of the property before selling it to Brookfield Properties in 2015.
To launch the master-planned project, Brighton Park Village opened, selling houses at a little more than the average price in Summerville at the time, Cataline said.
Since beginning operations, Nexton has sold and rented units of townhouses, villas, apartments, single-family houses, estate houses and rental houses, all built by varying local, regional and national builders.
Brent Gibadlo, senior vice president of development for Nexton, said part of what Nexton creates for residents is the ability to live, work and play in the same space. With that, he said there is also a shift among homebuyers toward smaller, more affordable homes.
“The home itself may be smaller, and that does bring the price down,” Gibadlo said. “People are willing to make that sacrifice of a smaller home if there’s commercial things around them: the shopping, the dining, the recreation.”
Many of the business offices and storefronts in the development are intermingled with the residential areas, creating the ability to have almost everything within walking distance.
Retail leasing in the tri-county region during the first quarter of 2025 hit a record high for areas in outlying Berkeley County. The leasing activity was influenced by communities such as Nexton, Goose Creek and Hanahan, according to a study by Avison Young.
“There’s a daycare center, there’s a fitness club, there’s a doggy daycare, there’s housing and there’s jobs,” Gibadlo said. “So, in the perfect world, someone could live there, drop their child off at daycare, drop their dog off at doggy daycare, get your workout in at lunch, meet a friend for coffee, go meet friends while you pick up your dog, grab a beer, then walk home.”
Realizing the demand in the Summerville area, Cataline said Halls Chophouse was among the original businesses to join Nexton Square, the first commercial center in Nexton. In cases like Halls, employees and customers were commuting to downtown Charleston from the more inland areas like Summerville.
Over time, the community has gained popular restaurants such as Page’s Okra Grill, Bad Daddy’s Burger Bar and Vicious Biscuits.
For many Charlestonians, growth of residential areas often raises questions about how traffic will be impacted. Cataline said part of the community includes Nexton Parkway, which is a five-mile road that runs from Interstate 26 to U.S. Highway 176 and intended to help alleviate traffic.
“People that are living in Nexton, whether they’re in an apartment or they’ve purchased a home here, the vast majority of them are not driving to downtown Charleston; they’re working in the area,” Cataline said. “So, it’s really alleviating traffic off of I-26, or at least that was our goal.”
What’s next for Nexton?
As families move in, the need for schools grows. Nexton opened the first elementary school at the same time it opened the first community. A middle school is being constructed now to open in fall of 2026, part of the Berkeley County school district.
The Midtown Club, a neighborhood with clubhouse amenities, trails and events in the Nexton community, is currently in phase three of the projected nine phases of construction, Cataline said. Additionally, a second active adult community will be coming to Nexton in 2027 following the design of Del Webb, a neighborhood of purchased homes exclusive to people over 55 years old.
In terms of rental options in the community, apartments are available, and The Collier Cos. recently purchased land to begin construction of 360 apartment units. Cataline said the popularity of Nexton’s first build-to-rent neighborhood, Cadia, may also influence the company to offer more BTR residences in the future.
“I think one of my favorite things about Nexton is our branding. We’ve got a very distinct brand palette, and the neighbors really embrace it,” Cataline said. “You see people out here on weekends; they’ll be out playing the guitar with the kids playing in the front yard. They’ve really embraced the sort of notion of front porch living.”
Additionally, in 2021, the Medical University of South Carolina announced plans to construct a $130 million hospital in Nexton.
Once constructed, Gibadlo hopes it creates even more fluency for residents to go to work and then walk home without contributing to or dealing with Charleston’s 5 p.m. traffic.
“We did decide that if we’re just a little bit more thoughtful about architecture, planning and design and those little details, there’s a basic belief you can create a lot of value there.” Gibadlo said. “Those little things, individually they don’t make-or-break it, but collectively they make a big difference.”
Nexton has 52 parks, which Cataline says makes up for smaller yards in the neighborhoods. Brookfield Properties is also constructing a regional park that will be donated as a public park once completed.