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 Onslow, NC, 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 Onslow natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Onslow, NC, 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 Onslow, NC, 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 Onslow, NC, 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.
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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 Onslow, NC, 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 Onslow, NC, 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.
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Onslow County Planning and Development is preparing for a change involving properties that have historically been in the City of Jacksonville’s extraterritorial jurisdiction (ETJ). As a result of a state law passed in August, 1,151 properties currently within the City of Jacksonville’s ETJ will transition to Onslow County jurisdiction in October.An ETJ is an area outside a city or town’s principal boundary where the municipality may exercise its authority over zoning, building inspections, and other land development ...
Onslow County Planning and Development is preparing for a change involving properties that have historically been in the City of Jacksonville’s extraterritorial jurisdiction (ETJ). As a result of a state law passed in August, 1,151 properties currently within the City of Jacksonville’s ETJ will transition to Onslow County jurisdiction in October.
An ETJ is an area outside a city or town’s principal boundary where the municipality may exercise its authority over zoning, building inspections, and other land development issues. The County reviewed each property individually to determine the most comparable zoning under County regulations and property owners affected by the change were sent letters explaining their proposed new zoning designation.
The County will hold a community information meeting on September 8, 2026 from 5–7PM at the Onslow County Government Center. At this event property owners can meet with Planning and Development staff, ask questions, discuss future plans for their property, and learn about their proposed zoning.
Planning and Development Director Carter Metcalf says the overall goal is to make the transition as easy to understand as possible for the 1,151 affected properties. “We want folks to get in contact with us. We’re sending everyone letters, and we’re trying to meet folks wherever they are, whichever way they like to communicate, so they can be informed about this change. It’s important that property owners understand how this change may affect future planning, zoning, permitting, and inspections.”
A special Planning Board meeting will be held September 17 at 6:30PM, where the Board will make a formal recommendation. The Board of Commissioners is expected to vote on the proposed zoning designations in October. Residents of Jacksonville can use our ETJ Lookup tool to see if they live in the ETJ area.
ONSLOW COUNTY, N.C. (WITN) - Onslow County is preparing to take over zoning and land-use regulation for 1,151 properties, giving those property owners a new jurisdiction governing what can be built and developed.A new state law passed in August will remove the properties from the city of Jacksonville’s extraterritorial jurisdiction and hand them over to Onslow County. Planning staff has been reviewing each property individually to assign the most comparable county zoning.The differences in land-use rules can affect a land...
ONSLOW COUNTY, N.C. (WITN) - Onslow County is preparing to take over zoning and land-use regulation for 1,151 properties, giving those property owners a new jurisdiction governing what can be built and developed.
A new state law passed in August will remove the properties from the city of Jacksonville’s extraterritorial jurisdiction and hand them over to Onslow County. Planning staff has been reviewing each property individually to assign the most comparable county zoning.
The differences in land-use rules can affect a landowner’s future plans. Carter Metcalf, Onslow County director of planning and development, said some City of Jacksonville standards include additional landscaping or architectural requirements that the county does not have, and some areas are zoned for specific densities.
The county has begun contacting property owners, who have started giving feedback.
Metcalf said property owners have asked whether they will be able to continue current uses of their property, along with questions about adding new accessory structures or replacing damaged homes.
“So, some of them are asking am I going to be able to continue on doing what I’m doing? Absolutely. And also have a lot of questions people adding new accessory structures to their building or replacing those damaged homes and so far we’ve been able to accommodate everyone’s request,” Metcalf said.
Metcalf said the new county zoning will allow property owners in some areas to replace damaged structures.
“We know there’s some areas in the county where they have been sitting there and been wanting to replace damaged structures so our new zoning will definitely allow them to be able to do that, to replace those structures that have been damaged, and be able to bring in new home for folks, but continuing on those same growth patterns of what things have been,” Metcalf said.
Metcalf says property taxes will vary based on several factors, and property owners will need to speak to the tax department.
People affected by the jurisdiction change will receive letters in the mail from the county.
The county will hold a community information meeting on September 8 from 5 to 7 p.m. at the Onslow County Government Center.
The planning board will hold a special meeting and make a formal recommendation on September 17. The board of commissioners is expected to vote on the final zoning maps in October.
Onslow County Parks and Recreation celebrates its 50th anniversary on August 28, 2026. To mark the occasion the department will hold a yearlong celebration beginning with a flag raising ceremony at Onslow Pines Park on August 28 at 10AM.The flag raising ceremony includes a performance by the Southwest High School marching band, an American flag donation from the Woodmen of the World, and remarks from County officials. The Woodmen donated the first American flag flown at the park during a ceremony in 1976.On August 28, 1976, Ons...
Onslow County Parks and Recreation celebrates its 50th anniversary on August 28, 2026. To mark the occasion the department will hold a yearlong celebration beginning with a flag raising ceremony at Onslow Pines Park on August 28 at 10AM.
The flag raising ceremony includes a performance by the Southwest High School marching band, an American flag donation from the Woodmen of the World, and remarks from County officials. The Woodmen donated the first American flag flown at the park during a ceremony in 1976.
On August 28, 1976, Onslow County dedicated Onslow Pines Park, the County’s first recreation park, with a flag raising ceremony. Today the County manages 13 parks including beach accesses and offers programs such as youth sports, summer camps, classes, and major community events.
Todd Brown, Director of Parks and Recreation says County parks remain an important part of what brings our community together. “We are grateful to the staff, volunteers, and residents who have helped make our parks and programs successful over the last 50 years and look forward to sharing them with generations yet to come.”
Each year Onslow County parks welcome around 1.4 million visitors. Programs include youth sports for more than 3,400 children, summer camps, and popular events which draw thousands of visitors like the 4th of July Freedom Festival, Monster Bash, and the Lights Over Onslow tree lighting and drone show.
Other events planned for the 50th anniversary include the grand opening of the Nature Cabin at Hines Farm Park and Stables on September 13 and a Golden Anniversary Spring Picnic at Onslow Pines Park. Future investments for the parks and recreation system include a new indoor recreation center and improvements to existing parks. For more information, visit www.OnslowCountyNC.gov/Parks or call 910-347-5332.
ONSLOW COUNTY, N.C. (WITN) - The National Weather Service has confirmed two tornadoes touched down Saturday evening in Onslow County, leaving a trail of destruction.On Saturday, the county was hit with storms bringing heavy rain and winds. The NWS says just before 6:40 pm, an EF-1 tornado with peak winds of 110 mph appeared to have touched down in a marshland area north of Old Folkstone Road, near Sneads Ferry.The tornado caused damage to trees, roofs, and fences as it moved to an apartment complex where officials say the worst...
ONSLOW COUNTY, N.C. (WITN) - The National Weather Service has confirmed two tornadoes touched down Saturday evening in Onslow County, leaving a trail of destruction.
On Saturday, the county was hit with storms bringing heavy rain and winds. The NWS says just before 6:40 pm, an EF-1 tornado with peak winds of 110 mph appeared to have touched down in a marshland area north of Old Folkstone Road, near Sneads Ferry.
The tornado caused damage to trees, roofs, and fences as it moved to an apartment complex where officials say the worst damage was noted, with portions of a unit’s roof decking uplifted and trees fallen on apartments.
The tornado then hit an RV park, damaging trees and a couple of RVs.
WITN visited Sneads Ferry RV Park Sunday, where campers were heavily damaged, and severe flooding damaged one woman’s home, rendering it unlivable.
As the tornado approached and lifted on Hwy 210, minor damage was reported at the Sneads Ferry Library, and a car was damaged after it was partially uplifted and dropped back down.
Minutes later, the tornado touched back down as an EF-0, with 85 mph peak winds near the Mill Creek neighborhood just west of Hwy 210. The tornado then strengthened as it moved southeast across the highway, hitting a home and causing damage to the roof and wall of the home. Officials say the house had plastic hurricane shutters, but the force of the wind pushed the front windows away from the wall and partially into the home.
The tornado then began to lift as it moved and carried debris from the home, which was found 150 yards away on a commercial property.
The NWS says no injuries or deaths were reported.
SNEADS FERRY, N.C. (WBTV) - Two tornadoes touched down in the same North Carolina community on Saturday, just minutes apart.The twisters both spun up in the Sneads Ferry area in Onslow County shortly after 6:30 p.m. on Sept. 5.A National Weather Service found the first tornado touched down at 6:37 p.m., near the intersection of Old Folkstone Road and Highway 210. It stayed on the ground for five minutes and traced a path just under one mile long.The tornado’s estimated peak winds reached 110 mph, which made it an ...
SNEADS FERRY, N.C. (WBTV) - Two tornadoes touched down in the same North Carolina community on Saturday, just minutes apart.
The twisters both spun up in the Sneads Ferry area in Onslow County shortly after 6:30 p.m. on Sept. 5.
A National Weather Service found the first tornado touched down at 6:37 p.m., near the intersection of Old Folkstone Road and Highway 210. It stayed on the ground for five minutes and traced a path just under one mile long.
The tornado’s estimated peak winds reached 110 mph, which made it an EF-1 using the Enhanced Fujita Scale.
The survey said tree and roof damage was discovered, as was fence and building damage.
Among the buildings damaged were an apartment complex and the Sneads Ferry Library. RVs parked at a campground were also reportedly damaged. The National Weather Service survey said a car was “partially uplifted” by the twister.
There were no reports of any injuries.
The second tornado touched down at 6:44 p.m., further down Highway 210 near Pebble Shore Drive. That twister was only on the ground for three minutes and had a path of just 0.2 miles.
Still, the tornado reached estimated peak wind speeds of 85 mph -- high enough to be an EF-0.
The National Weather Service survey said the second tornado caused minor tree damage, as well as damage to a house. Debris from the house was reportedly thrown up 150 yards.
Like with the first tornado, the survey made no mention of injuries stemming from the second twister.
National Weather Service records do not show a tornado warning was ever issued; however, a severe thunderstorm warning that included Onslow County was put out at 6:25 p.m. Saturday -- about 12 minutes before the first tornado touched down.
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