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 Park Circle, 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 Park Circle natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Park Circle, 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 Park Circle, 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 Park Circle, 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 Park Circle, 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 Park Circle, 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.
Park Circle Playground in Charleston, SC has the honor of being the world’s largest inclusive playground because any kid, no matter their ability, can enjoy the park. We checked it out and can confirm it is enormous and fun!I first laid eyes on Park Circle playground in Charleston, SC about two blocks away. It’s that big. I couldn’t even get the entire playground in one – or two- photos. And it was designed for any child, no matter their ability.About Park Circle Playground Park Circle,...
Park Circle Playground in Charleston, SC has the honor of being the world’s largest inclusive playground because any kid, no matter their ability, can enjoy the park. We checked it out and can confirm it is enormous and fun!
I first laid eyes on Park Circle playground in Charleston, SC about two blocks away. It’s that big. I couldn’t even get the entire playground in one – or two- photos. And it was designed for any child, no matter their ability.
Park Circle, which opened November 2023, encompasses 55,000 square feet and is the world’s largest inclusive playground, meaning that the playground was designed for any child, no matter their development or ability. It also includes their friends, siblings, parents, and caregivers. Yup, you parents can play on the playground. I did!
Here’s how the park describes their inclusivity:
“All children means everyone. The need for play does not distinguish between children who are typically developing and children with disabilities. Everyone of all abilities needs play. And everyone means not only children with a physical disability requiring an accessible playground, but it also includes developmental disabilities like autism; children with sight or hearing impairment and children with intellectual disabilities such as down syndrome.”
I think this is just beautiful. Seeing tons of kids and their parents and siblings playing at this playground made me happy.
Park Circle, besides the enormous playground, also has walking trails, a farmers market pavilion, event space, nature garden, and an inclusive baseball field.
I had no idea where to look first when we got to the playground. My kids, ages 13 and 9, seemed just as overwhelmed but recovered quicker than I did and decided to head to the nearest double slide massive climbing structure.
There are just so many things to play on: slides, swings, zip lines, a legit ninja course, exercise equipment, obstacle courses, more swings. We were there for over an hour and probably didn’t even play on half of the playground equipment.
Our favorite was definitely the ninja course. I always had respect for the American Ninja warriors but after doing a bunch of the ninja obstacles (and massively failing), I have a whole new respect for those athletes. There are lots of upper body focused apparatus’ plus beams, a climbing rope, and other rope nets to traverse.
There are areas of the playground for any age and ability as well from play houses to huge slides that you have to climb up to even get to.
I give a lot of credit to the designers of the playground because they absolutely nailed it when it comes to things that matter to parents: an enclosed space, seating, and shade.
The playground is entirely fenced in. You may lose your kids while they are playing on the equipment but they won’t get far because there is a fence around the whole playground.
There are shade sails everywhere to provide cover from that brutal summer sun. There are a few spots where the shade sails aren’t directly over but for the most part, the playground is covered. Way to go designers!
And lastly, there are lots of benches around the playground. I didn’t sit down ever because I was playing with my kids but if we had stayed longer, I probably would have rested on a bench. Most of the benches are also shaded.
I so appreciate the thought and consideration that went into the construction of this playground. They did a truly excellent job.
There are also bathrooms on site at the adjacent pavilion to the playground.
Park Circle is in North Charleston, about a 20-minute drive from downtown Charleston. It is totally free to visit and is open daily from 7 am – 5:30 pm.
Park Circle Playground4800 Park Circle, North Charleston, SCPark Circle Playground Website
Local fast-casual salad restaurant Verde recently announced it’s opening a new location in Park Circle, in the building formerly occupied by Abundant Seafood. The Instagram announcement was met with an enthusiastic response (i.e. many fire emojis), and the expansion is one of several new locations for the Charleston-based business.“We’ve been on the hunt for years for a production kitchen space to call our own,” said co-owner...
Local fast-casual salad restaurant Verde recently announced it’s opening a new location in Park Circle, in the building formerly occupied by Abundant Seafood. The Instagram announcement was met with an enthusiastic response (i.e. many fire emojis), and the expansion is one of several new locations for the Charleston-based business.
“We’ve been on the hunt for years for a production kitchen space to call our own,” said co-owner Jennifer Ferrebee. The store, located at 4731 Mixson Avenue, will serve as the brand’s new headquarters as well as a retail spot with the usual made-to-order and grab-and-go food options.
Verde will also re-open on King Street later this winter. The chain closed its flagship King Street location at 347 King St. earlier this year, but has a new spot at 433 King St., formerly the location of spots like Poke Stop and FishBowl.
Later this winter, Verde also will open a location at the College of Charleston, in the new concept, the Market at Liberty Food Hall at 30 St. Philip St.
Founded in 2011 by hospitality veterans Jennifer and Sam Ferrebee, Verde focuses on nutrient-dense, preservative-free foods. In a 2017 City Paper interview, Jennifer talked about the inspiration for the chain’s model: “I feel like six years ago the level of fast casual wasn’t really in Charleston yet. This was pre-Daily, pre-Persimmon, pre-Huriyali. When we would travel to D.C. or New York, we could get fast/casual food that was more than stuff being dumped out a bag. Food was actually being prepped and served in a fast nature. That was missing in Charleston.”
Once the three new spots open — stay tuned to Instagram for more details on opening dates — you can grab a salad from eight locations (including the airport) in the Charleston area.
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The city of North Charleston’s Cultural Arts Department has announced concurrent solo exhibitions of fiber works by Pam Shanley of Summerville and paintings by Katharine Morrill of Broadway, North Carolina, which are on display at Park Circle Gallery through March.At the gallery, a free reception hosted by the artists is 5-7 p.m. Friday, March 1. The public is invited to attend.Fiber Forms: spun, woven, and stitched – Fiber works by Pam ShanleyIn her exhibit Fiber Forms: spun, woven and stitched, Shanley, a v...
The city of North Charleston’s Cultural Arts Department has announced concurrent solo exhibitions of fiber works by Pam Shanley of Summerville and paintings by Katharine Morrill of Broadway, North Carolina, which are on display at Park Circle Gallery through March.
At the gallery, a free reception hosted by the artists is 5-7 p.m. Friday, March 1. The public is invited to attend.
Fiber Forms: spun, woven, and stitched – Fiber works by Pam Shanley
In her exhibit Fiber Forms: spun, woven and stitched, Shanley, a veteran fiber artist, showcases a robust progression of textile elements. Fiber becomes hand-spun yarn, yarn becomes handwoven textiles and textiles become stitched works of art.
“I am inspired by color and simple design and enchanted with dyeing yarn, using unusual fiber and incorporating fabrics into my work,” Shanley said. “It is my desire to inspire new fiber artists by showcasing modern techniques and colors and incorporating weaving into the mix.”
The artist moves from one technique to another to create her work, enjoying the physical requirements for hand-felting wool fibers, warping a loom with hundreds of yarns, and spinning multiple types of fiber into yarn.
Originally from Canfield, Ohio, Shanley graduated from Youngstown State University and earned a master’s in library science from the University of South Carolina. After 25 years in education, she retired to pursue her love of fiber art.
Shanley has been working in fiber art since she learned how to sew as a teenager. She taught herself how to weave after visiting the Folk Art Center in North Carolina and subsequently was drawn to Appalachian Folk crafts.
Primarily self-taught, she has attended classes at the John C. Campbell Folk School and Arrowmont School of Arts and Crafts. Her fiber works have been displayed at the Virginia Tech School of Medicine Precision and Reach Exhibit, Floyd Quilt Show (Floyd, Virginia), Blue Ridge Quilt Festival (Ferrum, Virginia), Asheville Quilt Show (Asheville, North Carolina), Rockbridge Fair (Lexington, Virginia), South Carolina State Fair (Columbia), South Carolina Palmetto Hands Fine Craft Competition & Exhibition (North Charleston) and Public Works Art Center in Summerville.
Shanley is a member of the Handweavers Guild of America, President of the Palmetto Fiber Arts Guild, teaches fiber art workshops throughout the Lowcountry, and weaves, felts, sews and spins from her home studio in Summerville. Learn more about her at Pamshanley.wix.com/fiberart.
The Park Circle Gallery is at 4820 Jenkins Ave. in North Charleston. Gallery hours are 11 a.m.-6 p.m. Wednesday-Friday and noon-4 p.m. Saturdays. Call 843-637-3565 or email culturalarts@northcharleston.org for more information.
NORTH CHARLESTON, S.C. (WCSC) - A cold and rainy forecast did not stop hundreds in the Lowcountry from celebrating the grand opening of a redeveloped Park Circle space.City of North Charleston officials and visitors have been waiting for the first-of-its-kind inclusive space for nearly 18 months, but the project itself has been in the works for six to eight years.“Inclusion is a topic that’s growing, it’s like wildfire,” Inclusive Play Specialist Jill Moore says. “Everyone is excited to bring that ...
NORTH CHARLESTON, S.C. (WCSC) - A cold and rainy forecast did not stop hundreds in the Lowcountry from celebrating the grand opening of a redeveloped Park Circle space.
City of North Charleston officials and visitors have been waiting for the first-of-its-kind inclusive space for nearly 18 months, but the project itself has been in the works for six to eight years.
“Inclusion is a topic that’s growing, it’s like wildfire,” Inclusive Play Specialist Jill Moore says. “Everyone is excited to bring that to their space.”
Moore is one of many who worked hard alongside city officials to bring a lifelong dream to fruition.
“To see it from early phases, talking about it and learning about it, what we wanted to do. To see the grand opening of this amazing space, this is really big,” Moore says.
Park Circle Playground is one of the first inclusive spaces in the Lowcountry of its kind and the largest in the world, according to city officials.
The space is meant to help visitors of all ages, abilities or backgrounds to engage in motor skills, sensory perception, cognitive abilities and social and emotional growth.
“I think they’re cool because everyone who doesn’t have a disability can do something,” Park Circle guest Harper Lewandowski says. “If you do have a disability, you can go on stuff made for you.”
City of North Charleston Recreation Director TJ Rostin says it is a testament to 20+ years of research only pushing the need for better inclusion.
“We want to make sure we have programs everybody can enjoy in whatever ability they need to enjoy them at,” Rostin says.
Mayor Keith Summey calls it one of the highlights of his time in office and a milestone to add to the city’s 51 years of progress.
“Park Circle is unique,” Summey says. “It’s a centralized location. It sort of connects our community.”
The redeveloped playground remains one of the oldest in the city, formerly a historical marker.
“Memories are wonderful, but now is the time to create memories for the next generation,” Summey adds.
North Charleston families say it is a welcomed change.
“It is so different but we love it,” one family says. “I like everything! Everything.”
Park hours will be from dawn until dusk and include full free access to the playground, an updated community center and pavilion and an all-inclusive ball field.
To learn more about the “Park Circle Reimagined” project and everything it has to offer, click here.
Copyright 2023 WCSC. All rights reserved.
NORTH CHARLESTON, S.C. (WCIV) — Uninvited guests call for concerns for some living in Icon at Park Circle Apartments in North Charleston.Khalis Henderson's apartment is one of the units affected by rats that have forced residents to raise questions regarding their health."Literally, it sounds like they're fighting or they're scratching at the wall or trying to get through or something," Henderson said.Read more: ...
NORTH CHARLESTON, S.C. (WCIV) — Uninvited guests call for concerns for some living in Icon at Park Circle Apartments in North Charleston.
Khalis Henderson's apartment is one of the units affected by rats that have forced residents to raise questions regarding their health.
"Literally, it sounds like they're fighting or they're scratching at the wall or trying to get through or something," Henderson said.
Read more: Living conditions aren't improving at Gadsden Green public housing, residents file lawsuit.
They have eaten through a pair of Henderson's brother's jeans. They have eaten the baseboards out near the stove, and they are chewing through the apartment, causing mayhem.
"They started just pooping on his clothes 'cause he had 'em sitting in the kitchen closet," Henderson said. "So, I had to end up bagging up his clothes. They started eating on his clothes and he had holes in his work shirts so he had to replace them."
Henderson said it's the worst living situation he's ever been in.
"The rats have gotten to the point where they ate the baseboard out by the stove and around the water heater, and they're chewing through the foam, and they're making barrels to where they can get through," Henderson said. "I don't like living like that. I've never lived like that, and that's not how my grandmother raised me to live."
Henderson and his brother have notified management, but they say it's gotten them nowhere. Now, they are merely fed up.
"I caught one in a bag recently," Henderson said. "I even tried to show her. She didn't want to see it. Disgusting to them. But we are living with them. I even emailed the company that's over their apartment complex. Still have not heard from them. It's been about a week now... It's becoming extremely unsanitary, and I don't like stuff like that."
News 4 asked to speak with the complex management, but they had no comment. News 4 also reached out to the property management company and received no answer.