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 North Charleston, 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 North Charleston natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in North Charleston, 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 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.
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 North Charleston, 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 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:
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 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.
North Charleston City Council met for the first time Thursday night after bombshell findings from a year-long FBI investigation involving three council members. Feb. 27, 2025. (WCIV)NORTH CHARLESTON, S.C. (WCIV) — North Charleston City Council met for the first time Thursday night after bombshell findings from ...
North Charleston City Council met for the first time Thursday night after bombshell findings from a year-long FBI investigation involving three council members. Feb. 27, 2025. (WCIV)
NORTH CHARLESTON, S.C. (WCIV) — North Charleston City Council met for the first time Thursday night after bombshell findings from a year-long FBI investigation involving three council members.
City officials confirmed that Jerome Heyward and Sandino Moses have both resigned from the council. Mike A. Brown was suspended in an order issued by Gov. Henry McMaster on Wednesday.
During Thursday’s meeting, three of the city council’s 10 seats were empty, meaning residents living in those districts are currently without representation on the council.
So far, officials with the Charleston County Board of Elections and Voter Registration said a special election to fill Heyward’s District 5 seat is set for May 27. Candidate filing opens March 14. Officials have not yet confirmed an election schedule to fill Moses' District 3 seat.
READ MORE | "3 N. Charleston City Councilmembers, 5 others charged in corruption schemes."
North Charleston residents say they’re now looking for transparency.
“How do we continue to trust?” said Betsy Hayden.
Hayden said she was appalled to learn that three councilmen were federally charged, tied to a list of schemes and accused of abusing their influence for personal financial gain.
“They work for us and this is very disheartening,” she said. “Even the fact that it had to go to the FBI to be flushed out at what point in our government do they say, whoa, this isn't right.”
READ MORE | "North Charleston city councilman charged with extortion, bribes, embezzlement."
North Charleston Mayor Reggie Burgess said he and other city officials are fully cooperating with the FBI probe and that the city is taking necessary steps forward.
“In the light of these indictments, the city is conducting a thorough review of any matters in which the implicated city council and members may have read and involvement,” Burgess read from a written statement to reporters Thursday.
“This review is part of our ongoing commitment to transparency and accountability, ensuring that all city operations adhere to the highest ethical standards,” he went on.
With an uncertain future for the city council and the opportunity to fill at least two vacant seats, residents said they’re looking to elect officials who will represent their best interests and follow the law.
“I charge them to not vote with their hearts, to not vote with their friends and to not vote with family. You have to vote according to the laws,” Hayden said.
Heyward and Moses are both expected to plead guilty to their charges Friday morning in a downtown Charleston courtroom.
Brown is facing a federal indictment and has his first court appearance set for March 11.
Published: Feb. 27, 2025 at 2:20 PM PST|NORTH CHARLESTON, S.C. (WCSC) - From farm to table, one North Charleston nonprofit is reimagining what food accessibility looks like.The team at Fresh Future Farm is working to bring healthy options to North Charleston through food activism.“There’s a lot of collard greens, kale, mustard greens, arugula, broccoli, just like all your winter crops and then we also have a good bit of herbs,” Tamazha North said, who serves as the co-director of food systems and financ...
Published: Feb. 27, 2025 at 2:20 PM PST|
NORTH CHARLESTON, S.C. (WCSC) - From farm to table, one North Charleston nonprofit is reimagining what food accessibility looks like.
The team at Fresh Future Farm is working to bring healthy options to North Charleston through food activism.
“There’s a lot of collard greens, kale, mustard greens, arugula, broccoli, just like all your winter crops and then we also have a good bit of herbs,” Tamazha North said, who serves as the co-director of food systems and finance.
“We grow, probably over the life of the farm, at least a hundred different crops,” North said.
North is part of the six-person staff at the Black-led nonprofit farm and grocery store, working alongside community volunteers to make accessibility happen.
“We’re on a mission to grow the quality of life our neighbors deserve and we’re doing that through our urban farm and grocery store space, but also education as well,” she said.
The once vacant lot has served as a place for the Chicora-Cherokee community to buy fresh fruits, vegetables and herbs, since 2016.
“Ultimately we want people to have, you know, unregulated access to food, no matter what. And also, you know, doing that in a dignified way that isn’t, you know, creating more trauma for the people who are just trying to eat, because we all do have to eat,” North said.
Fresh Future Farm fills a need in the neighborhood. According to the U.S. Department of Agriculture, it’s one of 12 zones in the North Charleston area where people live between one and 10 miles from the nearest supermarket.
“Now folks are having to go outside the neighborhood. The USDA marked it as like one urban mile that folks are having to travel to go out, where the neighborhood is considered a food desert or low-income, low access area,” North said.
Beyond growing food, Fresh Future Farm has also made outreach and education a focus. The nonprofit offers classes about topics like nutritional guidance, composting and how to start your own garden.
“I think the most important thing is that we’re not trying to come into the community and tell them what to change, but like these are things you can add to improve your quality of life if that’s what you’re seeking out.”
Fresh Future Farm and grocery store is located at 2008 Success Street in North Charleston and is open Wednesday, Thursday, Friday and Saturday.
Copyright 2025 WCSC. All rights reserved.
NORTH CHARLESTON, S.C. —Three members of the City Council in North Charleston accepted kickbacks and bribes to give out grant money and rezone land or lied about what they knew, federal prosecutors said Wednesday.Charges against North Charleston councilmen Jerome Heyward, Sandino Moses and Mike A. Brown along with five others were announced Wednesday after a yearlong investigation by the FBI and state officials.Heyward took a $40,000 kickback from two nonprofit organizations in return for steering ...
NORTH CHARLESTON, S.C. —
Three members of the City Council in North Charleston accepted kickbacks and bribes to give out grant money and rezone land or lied about what they knew, federal prosecutors said Wednesday.
Charges against North Charleston councilmen Jerome Heyward, Sandino Moses and Mike A. Brown along with five others were announced Wednesday after a yearlong investigation by the FBI and state officials.
Heyward took a $40,000 kickback from two nonprofit organizations in return for steering to them part of a $1.3 million grant to fight gun violence in North Charleston, according to court documents.
Heyward and Brown were part of a scheme by a boat maker to rezone land on the Ashley River in North Charleston that was once a hospital and before that a fertilizer plant to sell to a boat manufacturer. The company offered to build a park but also wanted a plant on the site.
The councilmen accepted bribes to try to get the rezoning passed and by that time the FBI was listening to Heyward’s call, catching Brown saying he was annoyed it was taking too long to get his money because he needed to pay for his son’s wedding, prosecutors said.
The rezoning plan was rejected.
Moses also took money to support the rezoning. He returned it, but he lied about the offer and what he knew about his fellow councilmen being on the take, according to charging documents.
Heyward is charged with extortion, bribery and wire fraud. Brown is charged with bribery and wire fraud, and Moses is charged with lying to federal investigators.
Heyward and Moses plan to plead guilty to their charges on Friday, acting U.S. Attorney for South Carolina Brook Andrews said.
A lawyer for Heyward didn’t comment Wednesday. The other councilmen and their lawyers didn’t immediately respond. Heyward and Moses have resigned from council, North Charleston officials said.
“The allegations in this case describe a profound betrayal of trust,” Andrews said at a news conference. “These council members used their positions not to serve their communities, but to enrich themselves.”
North Charleston is South Carolina’s third-largest city with about 125,000 people. Mayor Reggie Burgess thanked the FBI and state investigators for their work to make sure residents remained certain with their city government. He said the city fully cooperated with the investigation.
“Transparency and accountability remain core principles of this administration, and we welcomed this review as a necessary step to uphold those standards,” Burgess said.
Published: Feb. 27, 2025 at 10:01 AM PST|CHARLESTON, S.C. (WCSC) - People living in a downtown Charleston condo complex have been told to evacuate due to a potential structural issue.The Dockside Condominiums were built in the 1970s and are located on Concord Street beside the International African American Museum.Residents were going in and out of the gated community as they normally would on Thursday as they have until 5:00 p.m. on Friday before they must be evacuated.Residents were told to pack their perishable...
Published: Feb. 27, 2025 at 10:01 AM PST|
CHARLESTON, S.C. (WCSC) - People living in a downtown Charleston condo complex have been told to evacuate due to a potential structural issue.
The Dockside Condominiums were built in the 1970s and are located on Concord Street beside the International African American Museum.
Residents were going in and out of the gated community as they normally would on Thursday as they have until 5:00 p.m. on Friday before they must be evacuated.
Residents were told to pack their perishable items but to leave behind all furniture.
City of Charleston officials shared that this situation stems from a contractor, SKA, inspecting the building back in 2022.
They were renovating a privately owned unit when they found issues with the column and floor connection. Then, after inspecting some other parts of the building, they found the structural issues stemmed from problems with the initial construction. SKA did not deem the building unsafe at the time.
More recently, the Dockside Association hired another engineering firm, WJE, to conduct a more in-depth investigation to assess the load capacity of the floors. This firm sent a letter to Dockside on Tuesday saying the building was unsafe for continued occupancy.
The tower building has 112 units, 60-70% of which are occupied full- time.
Harry Traulsen Jr. has been renting at Dockside for nearly four years and says he was able to find a furnished place in Charleston to rent until this situation is resolved.
“There’s been a lot going on in the building for a long time and I’m surprised we are getting a vacate order but that’s the city and safety is the most important thing that we can do,” Traulsen said.
Dockside’s board of directors said Wednesday evening that they are working closely with residents to ensure a smooth and safe transition out of the building.
It is unknown how long these residents will be out of their homes.
“I’m not paying rent if I’m not here,” Traulsen said. ”Unfortunately, I paid March already because I like to pay ahead but the rent that I would pay here is now going to have to go towards the new place I’m renting.”
Dockise Board of Directors released the following statement regarding the evacuation.
“Our primary concern is the safety and well-being of our residents, visitors and staff. This afternoon, we were informed by the City of Charleston that for safety reasons, we have to evacuate the townhomes adjacent to Dockside Condominiums in downtown Charleston.”
City of Charleston officials are working with the engineering firm that deemed the building unsafe to plan the next steps.
Copyright 2025 WCSC. All rights reserved.
Listen to this articleEight people — including three members of the North Charleston City Council — face federal bribery, kickback, extortion and money laundering charges, the U.S. Attorney’s Office for the District of South Carolina announced.Four suspects have been charged by Information and have agreed to plead guilty, a news release says. They are:A federal grand jury returned indictments against four others:The investigation was conducted by the FBI’s office in Columbia and the State L...
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Eight people — including three members of the North Charleston City Council — face federal bribery, kickback, extortion and money laundering charges, the U.S. Attorney’s Office for the District of South Carolina announced.
Four suspects have been charged by Information and have agreed to plead guilty, a news release says. They are:
A federal grand jury returned indictments against four others:
The investigation was conducted by the FBI’s office in Columbia and the State Law Enforcement Division.
Brook B. Andrews, acting U.S. attorney for the district, emphasized the moral requirements of public service.
“When elected officials take their oath of office, they make a sacred promise to the people they serve,” he said in the release. “They pledge to uphold the law, to act with integrity, and to place the public interest above their own.”
SLED Chief Mark Keel echoed the sentiment, saying. “Elected officials and citizens should be working together to better their community, not exploiting others.”
According to the release, Heyward has agreed to plead guilty to extortion under color of official right and using fear of economic harm; multiple counts of conspiracy to commit bribery with respect to programs receiving federal funds and honest services wire fraud; multiple counts of bribery with respect to programs receiving federal funds and honest services wire fraud; theft with respect to programs receiving federal funds; and multiple counts of money laundering. He could be sentenced to a maximum of 20 years and three years supervised release and fined $500,000. He also has agreed to cooperate with federal, state and local law enforcement agencies.
Moses is charged with misprision of a felony. Having agreed to plead guilty and to cooperate with law enforcement, he faces a maximum prison term of three years and a year of supervised release and a fine of $250,000.
Donavan Laval Moten has agreed to plead guilty to conspiracy to commit bribery with respect to programs receiving federal funds and honest services wire fraud, theft with respect to programs receiving federal funds, bribery with respect to programs receiving federal funds, honest services wire fraud, and money laundering. He also has agreed to cooperate with local enforcement and faces a maximum prison term of 20 years followed by three years of supervised release and a fine of $500,000.
Hicks is charged with a conspiracy to pay bribes and a separate conspiracy count and has agreed to plead guilty to two counts of conspiracy to commit bribery with respect to programs receiving federal funds and honest services wire fraud; bribery with respect to programs receiving federal funds, and honest services wire fraud, the release says. He has agreed to cooperate with law enforcement. He faces a maximum of 20 years in prison followed by three years of supervised release and a fine of $250,000.
Mike A. Brown is charged with conspiring with Heyward and Hicks to commit bribery and honest services wire fraud. If convicted, he could be sentenced to 20 years. He also could be fined $250,000 and ordered to serve three years of supervised release.
Fields is charged with conspiracy to commit bribery with respect to programs receiving federal funds and honest services wire fraud, bribery with respect to programs receiving federal funds, and honest services wire fraud. He could be sentenced to 20 years in prison and three years of supervised release and fined $250,000.
Lorenzo is charged with conspiracy to commit bribery with respect to programs receiving federal funds and honest services wire fraud, theft with respect to programs receiving federal funds, bribery with respect to programs receiving federal funds, honest services wire fraud, and money laundering. She could be sentenced to 20 years in prison and three years of supervised release and fined $250,000.
Stent-Hilton is charged with conspiracy to commit bribery with respect to programs receiving federal funds and honest services wire fraud, theft with respect to programs receiving federal funds, bribery with respect to programs receiving federal funds, honest services wire fraud, and money laundering. Like some of the others, she could face 20 years in prison followed by three years of supervised release and a fine of $500,000, the release says.
Assistant U.S. Attorneys Emily Limehouse and Whit Sowards will prosecute the cases.