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.
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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 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.
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NORTH CHARLESTON, S.C. (WCIV) — A new inclusive space aimed at supporting people with intellectual disabilities and special needs has opened in Park Circle, bringing several Lowcountry nonprofits together under one roof.The Alcove held its grand opening with a ribbon-cutting ceremony on Thursday.The building is now home to Be the Change Charleston, Building Independence Together, Beyond Employment Initiative and Heart, an inclusive art program. Together, the organizations provide spaces for children with autism to play an...
NORTH CHARLESTON, S.C. (WCIV) — A new inclusive space aimed at supporting people with intellectual disabilities and special needs has opened in Park Circle, bringing several Lowcountry nonprofits together under one roof.
The Alcove held its grand opening with a ribbon-cutting ceremony on Thursday.
The building is now home to Be the Change Charleston, Building Independence Together, Beyond Employment Initiative and Heart, an inclusive art program. Together, the organizations provide spaces for children with autism to play and socialize, offer financial and job placement assistance to adults, and create opportunities for people to express themselves artistically.
“The Alcove has been a labor of love,” said Kerianne Krause, a co-founder of The Alcove.
Krause said the goal is to create a central location for services and support across a wide age range, including after students leave high school. “Typically, when you leave high school, there's a drop off of services,” Krause said. “We are here through the lifespan.”
She said bringing multiple organizations together also helps families connect with resources and with one another. “Having like-minded people around you and meeting all these people, you realize, 'oh, there are a lot of people in the community who are trying to help, who will provide services and provide support,” Krause said.
Participants with Heart said they were excited about the new space.
“It's pretty awesome, to say the least,” said Bryce Itzkowitz, a 'Heartist' with Heart Inclusive Arts Community. “I'm feeling very great about the new building, I'm very impressed about it,” he said.
Donnie Driggers, also a 'Heartist' with Heart Inclusive Arts Community, said, “I loved it, and I enjoyed it,” and added he was “happy that its open. The first building we've seen.”
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Staff members also want The Alcove to build community. “I think the younger kids are going to feel a sense of a peer mentorship or something they could strive to be,” Krause said. “I hope that those families can see that it's nothing to be scared of, that there are so many people in this community who are going to support you and love your child and they'll be able to grow up in a very inclusive community.”
12-year-old Minos Ikomomidis of Building Independence Together said, “I'm really happy that all these people get to come together and just enjoy each other with the help that they need.”
Demand for services remains high, particularly for adults.
“We have a wait list of over a hundred people,” said Krause. “The services for adults are even more a need because there are not enough people doing the services. We are trying to fill a gap, but even us being here will not be enough to fill the gap of what is needed for the population.”
Broader community support and a shift in how society treats people with disabilities are needed.
“The confidence that comes with just being treated like an independent adult is indescribable,” Krauss explained. “Every person with a disability is different just like all of us. And they need to be treated like adults, that they're independent and capable just like the rest of they're autonomous, they have their own thoughts, they have their own opinions, and they should be valued just like everybody else's.”
Community members are encouraged to support the organizations working inside the building.
“I think the community just needs to get involved,” Krause said. “Like these nonprofits are, are doing it, they're helping the community and they need support. You should support these nonprofits because they're doing the work that no one else is doing.”
A West Ashley restaurant that unexpectedly closed in July has found a new home in North Charleston’s Park Circle neighborhood.No Bull is slipping into the spot formerly occupied by Southern Roots at 1033 E. Montague Ave.The restaurant first opened in 2023 at 2447 Ashley River Road by Travis Glen of Lucky 17 Restaurant Group as a reimagination of its Tex-Mex predecessor 3 Matadors.Over the summer, the owners said it was the end of t...
A West Ashley restaurant that unexpectedly closed in July has found a new home in North Charleston’s Park Circle neighborhood.
No Bull is slipping into the spot formerly occupied by Southern Roots at 1033 E. Montague Ave.
The restaurant first opened in 2023 at 2447 Ashley River Road by Travis Glen of Lucky 17 Restaurant Group as a reimagination of its Tex-Mex predecessor 3 Matadors.
Over the summer, the owners said it was the end of the chapter, but not the book for the burger joint, promising to pop up again.
No Bull serves a menu of freshly ground burgers, hand-cut french fries and breaded chicken tenders. A favorite burger includes the Southern Charm with two 4 oz. signature blend smash patties, fried pimento cheese, bacon jam and Bull sauce on a toasted brioche bun.
Every Wednesday is half-price burger night while Tuesday is buy-one-get-one for sit-down orders.
No Bull is open seven days a week and offers dine-in, take out and delivery.
Lucky 17 also owns Southern Roots locations in Charleston and Sportsbook in Nexton and Tanger Outlets.
If you’re looking for a new way to stay in shape, Burn Boot Camp is coming to Mount Pleasant.
Franchise owner Kari Bailey signed a lease with Continental Realty Corp., the owner of the Sweetgrass Corner shopping center, for a 3,424-square-foot space at 1909 Highway 17.
The fitness club is relocating from Oyster Point in Mount Pleasant to the more centralized high-traffic spot that’s anchored by Trader Joe’s, the area’s first HomeSense and the recently opened Golf Galaxy Performance Center.
Bailey anticipates opening by March.
Burn Boot Camp offers 45-minute classes focused on strength, conditioning and high-intensity interval training in a group setting. The fitness studio also puts an emphasis on nutrition guidance and has the added benefit of complimentary child care while parents workout.
There are more than than 375 Burn Boot Camps operating throughout 43 states.
Mount Pleasant is getting a taste of something sweet, yet healthy.
Marion’s Gelato recently opened at 901 Warrior Way, next to Crafthouse North, near Wando High School. What started as a business of sharing sweets at farmers markets became a storefront for owner Marion Kempf Manderville.
Her gelato recipe was born out of her determination to find a healthier alternative to her son’s favorite mint chocolate chip ice cream. Kempf Manderville told the story on her website, sharing she “was thinking there must be a healthier choice of a frozen dessert.” And that’s when she discovered how to make gelato with natural ingredients.
The shop sells gelato by the container and offers an array of desserts like gelato cakes and coffee.
Charleston boutique Beau & Ro is opening a new concept called Sister Shop beside its King Street flagship store.
When it opens March 1, it will be an “elevated extension” of the original brand offering apparel, home décor, accessories and “one-of-a-kind finds,” according to the retailer.
It will carry labels like Natalie Martin, Fanm Mon, Carolina K, Hannah Artwear and De Castro.
The new shop is part of a “Designer in Residence” program, which offers a dedicated 250-square-foot space to showcase products from a rotating roster of designers. First up is a selection from Sue Sartor, from March through May.
The company wants Sister Shop to be a way to engage customers with the makers behind the products. It will also be the introduction to the brand’s in-house blockprint line of handcrafted garments and textiles produced using traditional blockprinting techniques.
Founded by Sara Rossi, Beau & Ro has boutiques in Charleston and Nantucket, Mass.
“The opening of Sister Shop marks a natural evolution of Beau & Ro’s presence on King Street, creating a seamless shopping experience between the original Beau & Ro boutique and its sister concept next door,” the brand said in a statement.
Walmart is sprucing up two more of its local stores.
A Columbia-based contractor for the retail behemoth filed notices last month that it is set to remodel a 170-,000-square-foot Supercenter in the Market at Oakland shopping center in Mount Pleasant and a small-format Neighborhood Market in Ladson.
Work begins at the two sites on Feb. 22 and March 1, respectively.
Walmart, the largest private-sector employer in South Carolina, announced last April that it would be refreshing nearly three dozen stores across the state, including three in the Charleston area. The Mount Pleasant and Ladson outposts weren’t on the list.
The Market at Oakland store was completed in 2007. The 40,000-square-foot Neighborhood Market outlet at 3685 Ladson Road opened in August 2015.
Walmart did not immediately respond to a request for comment on Feb. 18.
NORTH CHARLESTON, S.C. (Palmetto Life) — The Lowcountry Parrothead Club will host its 21st annual Mardi Gras celebration this weekend in Park Circle, marking the first time the event has moved to the North Charleston location.Club President Debbie Graf said the move from Shem Creek to Park Circle provides more venues, free parking and additional space for festivities.“We have more venues, we have free parking, and we just have more room to have more parties,” Graf said. “That’s why we moved it to P...
NORTH CHARLESTON, S.C. (Palmetto Life) — The Lowcountry Parrothead Club will host its 21st annual Mardi Gras celebration this weekend in Park Circle, marking the first time the event has moved to the North Charleston location.
Club President Debbie Graf said the move from Shem Creek to Park Circle provides more venues, free parking and additional space for festivities.
“We have more venues, we have free parking, and we just have more room to have more parties,” Graf said. “That’s why we moved it to Park Circle.”
The celebration will feature the first annual Tri-County Steel Drum competition, with 12 schools from the tri-county area participating. Graf said the club pays schools to participate and provides additional prize money to winners through sponsor funding.
“There are 12 schools in the tri-county area that have steel drum programs, and we are having a steel drummer for Jimmy Buffett,” Graf said. “We are having those schools come and compete against each other.”
The competition serves both cultural and charitable purposes, with proceeds supporting the schools’ music programs.
The celebration begins Friday night with a pre-party at Dig in the Park, featuring local trop rock performer John Santos. Saturday’s main event runs from 1 to 6 p.m. as a crawl through 10 participating restaurants in Park Circle.
Participants receive crawl cards with questions to answer at each venue before returning to Common House Ale for the after party featuring Dave Lando and the Soul Beats.
Graf highlighted Jimmy Buffett’s strong ties to the Lowcountry, noting his wife Jane is originally from Johns Island. The late musician frequently visited the area, surfing at Folly Beach and paddleboarding down the Stono River.
“Jimmy spent a lot of time here,” Graf said. “He had a boat here, so he enjoyed the low country.”
Graf said Buffett used the North Charleston Coliseum for tour rehearsals in the venue’s early days.
Sissy Bar and Park Circle created two signature cocktails for the celebration. The “Luscious Lou” features reposado tequila, chili liqueur, passion fruit syrup, and citrus with a Tajin rim. The Key Lime Mai-Tai includes graham cracker-infused rum, key lime juice, vanilla liqueur, orange liqueur and almond orgeat.
All proceeds from registration support seven local charities. Online registration continues through Wednesday to avoid lines, with walk-up registration available during the event.
Registration information is available at www.lowcountryparrotheadclub.com.
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