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 North Charleston, 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 North Charleston, SC
Mortgage Lending Service North Charleston, 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 North Charleston, SC
Refinances North Charleston, 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 North Charleston, 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 North Charleston, 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
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Latest News Near Me North Charleston, SC

Community cats removed from North Charleston Home Depot, caregivers demand answers

NORTH CHARLESTON, S.C. (WCSC) — Questions are growing after several community cats that had been living for years near a North Charleston The Home Depot suddenly disappeared.Caregivers say the cats weren’t just strays — they were part of a managed colony under a trap-neuter-return program, where animals are sterilized, vaccinated, and returned to the area they know.For Jennifer Conlon, those cats became part of her daily life.“They’ve been with us for years. We’ve spent so much time fi...

NORTH CHARLESTON, S.C. (WCSC) — Questions are growing after several community cats that had been living for years near a North Charleston The Home Depot suddenly disappeared.

Caregivers say the cats weren’t just strays — they were part of a managed colony under a trap-neuter-return program, where animals are sterilized, vaccinated, and returned to the area they know.

For Jennifer Conlon, those cats became part of her daily life.

“They’ve been with us for years. We’ve spent so much time fixing them, feeding them…they have homes here,” Conlon said.

But recently, she says, that routine was disrupted.

“A couple of them disappeared… and we found out they were trapping them over at Home Depot,” she said.

Advocates say posts began circulating online, alleging that a trapper had been hired to remove cats from the property.

Maggie Cloninger, president and co-founder of Hope for Feral Hearts, says there are still more questions than answers.

“There was a post in a private group saying this Home Depot had set out traps to remove colony cats that have lived here for years… and we haven’t been able to confirm where they went,” Cloninger said.

In a statement to Live 5 News, Home Depot acknowledged the situation, saying in part that it has asked the store to stop working with the trapper involved.

Still, caregivers say the biggest concern remains the cats’ whereabouts.

Under Charleston County ordinance, free-roaming cats that are part of a managed TNR program are allowed to remain in the community if properly cared for.

Animal welfare experts say those programs are designed to reduce overpopulation and stabilize colonies over time.

“Spaying and neutering these cats and returning them where they live… it prevents more from moving in. It’s what actually controls the population,” a representative with Charleston Animal Society said.

Advocates say if cats need to be removed, there is typically a process involving animal control, microchip checks and relocation to a verified rescue or sanctuary.

They say it’s unclear whether those steps were followed in this case.

Cloninger says relocating cats improperly can put them at serious risk.

“They rely on caregivers for food and shelter… so putting them somewhere unfamiliar—they don’t know how to survive. Right now, they could be fighting for their lives,” she said.

For those who cared for them, the situation is personal.

Until more information is released, caregivers say they’re left asking one question: “Where are the cats?”

Charleston residents get a look at designs for affordable housing, but are skeptical about feedback

CHARLESTON — Community members got their first real glimpse at potential designs for future affordable housing that city staff and architects from Europe and Savannah have been working on this week.The $125,000 week-long design effort is part of Mayor William Cogswell’s housing initiative called Project 3500 that aims to add 3,500 new affordable units by 2032 and redevelop wide swaths of the peninsula.Most onlookers March 18 marveled at the sketches and mock-ups that embrace Charleston’s historic charm. But so...

CHARLESTON — Community members got their first real glimpse at potential designs for future affordable housing that city staff and architects from Europe and Savannah have been working on this week.

The $125,000 week-long design effort is part of Mayor William Cogswell’s housing initiative called Project 3500 that aims to add 3,500 new affordable units by 2032 and redevelop wide swaths of the peninsula.

Most onlookers March 18 marveled at the sketches and mock-ups that embrace Charleston’s historic charm. But some expressed concerns about whether longtime low-income residents currently living at sites the city is targeting will be displaced.

Others wondered whether those residents might not have been able to attend the 5 p.m. weekday event held at the city’s Dock Street Theater downtown.

“This is very much still a work in progress,” Cogswell said adding that critiques about the accessibility of the location were valid.

Before any of the designs are finalized, Cogswell said city staff will go on the road and take them to the neighborhoods where residents will be most impacted.

To meet the city’s ambitious housing goal, Cogswell wants to redevelop nearly 100 acres across the peninsula combining properties the city owns with Charleston Housing Authority sites that were already earmarked for redevelopment, along with land the county owns along Morrison Drive.

Cogswell brought in architects and designers he and other city leaders met during a tour of Europe late last year to help plan and design the targeted sites into communities of density-packed, smaller buildings that look like downtown Charleston, rather than the tall boxy apartment complexes that have popped up along the upper peninsula.

“I’m gravitating toward the designs that keep it looking historic,” said Bri Meyer, a student blacksmith at the American College of the Building Arts. “Beauty shouldn’t dictate what you can afford.”

The city hopes developers, who will eventually take the designs and build them, will partner with the college in an effort to keep building costs down and also keep that future skilled workforce local.

Cassandra Stilley, who is studying stonemasonry, said the city is taking a novel approach by considering historic designs and materials to make new spaces where you can’t tell which apartment is affordable and which is “high end.”

City says it wants feedback, but how will it be documented?

Cogswell began the March 18 open house by saying that the design teams wanted feedback. But there was no way to record any suggestions, compliments or critiques residents brought. Cogswell said they were listening and would incorporate the verbal feedback as they move forward.

On March 16, at the kick-off event, Cogswell was caught off guard when the audience members asked questions about costs and the potential displacement of residents living at the targeted sites.

“It doesn’t feel true to genuine feedback,” said Lin Jay, an organizer with the Friends of Gadsden Creek.

Only a few acres remain of the once vibrant tidal creek that runs near Gadsden Green, one of the housing authority properties that is being redesigned. Jay said mock-up panels on display showed part of the remaining creek filled in and built over, which she said is alarming.

She’s less interested in the designs and called it “shiny stuff.” Her focus is wanting to preserve the natural amenity that the creek provides to the community surrounding it.

“I don’t think anyone’s against affordable housing,” said Margaret Ling, who lives near the Wagner Terrace neighborhood. “But are we actually listening to the people who live there?”

Cogswell has said that adding nearby city properties to the mix allows for a staggered build out, which will also help ensure that those currently living in Housing Authority properties won’t be displaced while the re-development happens.

“This effort is about creating housing that reflects Charleston and works for the people who call it home,” Cogswell said in a statement the city sent after this story published online. “We are committed to a thoughtful process, and we look forward to hearing from residents in the weeks ahead.”

The city plans to distribute comment cards at the final workshop on March 20, launch an online feedback form to collect input from residents across the city, and bring the preliminary design concepts directly into neighborhoods through a series of community meetings and pop-up events, according to the news release.

The week-long workshop will end March 20 with a wrap-up presentation where the design team will show the week’s progress and discuss next steps. That event starts at 5 p.m. at Dock Street Theater, 135 Church St.

Editor’s note: This story has been updated to reflect the updated location of the final workshop on March 20, and the city’s response to how it will handle feedback going forward.

Community baby shower draws 1K families in North Charleston

NORTH CHARLESTON, S.C. (WCSC) — More than 1,000 families attended a community baby shower Saturday, with some arriving hours in advance, as Molina Healthcare of South Carolina and community partners distributed supplies to new and expectant parents.Over 5,000 diapers, baby wipes, baby clothing and food were distributed at the event. The Charleston Hispanic Association also gave out more than 10 tons of free food. Participants gathered information about maternal health resources and Molina member benefits.Molina Healthcare...

NORTH CHARLESTON, S.C. (WCSC) — More than 1,000 families attended a community baby shower Saturday, with some arriving hours in advance, as Molina Healthcare of South Carolina and community partners distributed supplies to new and expectant parents.

Over 5,000 diapers, baby wipes, baby clothing and food were distributed at the event. The Charleston Hispanic Association also gave out more than 10 tons of free food. Participants gathered information about maternal health resources and Molina member benefits.

Molina Healthcare of South Carolina organized the event in partnership with Healing Hurts Ministries, the Charleston Hispanic Association and Learn4Life.

David Irizarry, senior growth specialist for community engagement at Molina Healthcare, said two out of every five families skip a meal to pay for diapers.

“Today when you come out and you look around and you see moms smiling, and families coming together, it fills our heart, because we know these events are making a difference,” Irizarry said.

Dr. Tamela Brown, principal of Learn4Life High School Charleston, said the event brought the community together.

“It’s just a beautiful blend of community partners and education where our community can come in and get what they need,” Brown said.

Learn4Life is a tuition-free, nonprofit public school that provides students with learning opportunities, life skills and career training. To learn more about it, head to the Learn4Life website.

Nefateri Smalls, executive director of Healing Hurts Ministries, said the turnout reflected the scale of need in the community.

“I always have an expectation for the lives that we’re going to impact. But when I see them in numbers, it just lets you know that the need is not only great but that they recognize that there’s someone there that’s going to walk alongside them. So this, it really makes my heartbeat,” Smalls said.

The event comes as financial pressure on families continues to grow. According to data from the National Diaper Bank, the cost of diapers has increased by more than 20%. Rising gas and grocery prices have added to the strain on expectant families.

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