Your Path to Homeownership Starts Here - Expert Mortgage Assistance

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We know that many home loan officers have horrible reputations. Some brokers only see their clients as transactions, and a means to make quick money. They come off as impatient and pushy, failing to understand that this is a very big decision for you. At Mission One Mortgage, we take the opposite approach. We encourage our clients to take as much time as needed to ask us questions and review mortgage documents. We could say that our mission is to exceed your expectations, but we'd rather just show you. From assistance finding FHA, VA, or other loans to refinancing your current mortgage, Mission One is the team you can trust.

Here are just a few reasons why home buyers choose Mission One Mortgage:

No Additional Fees

No Additional Fees- Providing our client's services free of charge, using a mortgage broker like Mission One Mortgage can help you scout the best price on loans without a hefty price tag.

Access to 50 Lenders

Access to 50 Lenders- With access to a range of loans and interest rates available, Mission One Mortgage can shop for the best loans for your unique needs.

Accessible to Our Clients

Accessible to Our Clients- Providing a transparent and communicative service to all our clients, Mission One Mortgage ensures all phone calls are answered or returned in a timely manner.

Setting You Up for Success

Setting You Up for Success- Helping you prepare all your documents for pre-approval and the loan application, Mission One Mortgage will provide you with all the necessary information to secure the best loan.

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Free Consultation phone-number (843) 822-5685

To understand the benefits of working with a mortgage broker, you must first understand their role in the home-buying process.

What Does a Mortgage Broker Do?

Your mortgage broker is a third party that works to connect you with mortgage lenders. Essentially, a mortgage broker works as an intermediary between a person who wants to buy a home and the entities offering loans to buy a home. The mortgage broker works with both the borrower and lender to get the borrower approved. They also verify and collect paperwork from the borrower that the lender needs to finish a home purchase. Typically, mortgage brokers have relationships with several home loan lenders. Mission One Mortgage, for example, has access to 50 different lenders, which gives us a wide range of home loans in Richland, SC, from which to choose.

In addition to finding a home loan lender, your mortgage broker will help you settle on the best loan options and interest rates for your budget. Ideally, your mortgage broker will take a great deal of stress and legwork off your plate while also potentially saving you money.

Help with the Pre-Approval Process

If you're ready to buy a home, getting pre-qualified is a great choice that will streamline the entire process. Your mortgage broker makes getting pre-approved easy by obtaining all the documents needed to get you pre-qualified. In taking a look at your application, they will determine if you're ready for the pre-approval process. If your application needs additional items, the mortgage company will help point you in the right direction to ensure your application is as strong as it can be. Your mortgage broker will also walk you through the different types of loans, from Conventional and FHA to VA and USDA.

In order to be pre-approved for a home in South Carolina, you must have the following:

  • Two Years of W2 Forms
  • 30 Days of Pay Stubs from Employer
  • 60 Days of Bank Statements
  • A Valid Driver's License

Conventional Mortgages

Conventional loans can be used to purchase a new home or refinance your current one. Conventional loans include fixed-rate mortgages and adjustable-rate mortgages. Generally, borrowers must put down a 3% down payment for owner-occupants, 10% for a vacation property, and 20% for an investment home. If you are able to pay 20% of the total cost of the home, you can avoid private mortgage insurance, which is otherwise required. Conventional mortgages are often preferred by buyers with good credit or people needing a non-owner-occupied mortgage.

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Mortgage Lending Service Richland, SC

FHA Loans

FHA mortgages are issued by the U.S. government and backed by the Department of Housing & Urban Development (HUD). This loan is often preferred by first-time homebuyers because it only requires a 3.5% down payment and offers more flexibility with credit requirements and underwriting standards. FHA loans have several requirements you must meet to qualify. Contact Mission One Mortgage today to learn more about FHA loans and whether or not they're best for your financial situation.

USDA Loans

Also backed by the government, these loans are insured by the U.S. Department of Agriculture and don't require money down. These loans have lower insurance requirements when compared to FHA loans, offer 100% financing if you qualify, and allow for closing costs to be covered by the seller. In order to qualify for a USDA loan, you must live in a rural area, and your household income must meet certain standards. These loans are often preferred by low-income citizens who live in rural parts of South Carolina.

Refinancing Richland, SC
Refinances Richland, SC

Veteran Mortgages

Also known as VA or Veteran's Affairs loans, these mortgages are reserved for the brave men and women who served in the military. VA loans help provide our military members, veterans, and their families with favorable loan terms and an easy home ownership experience. Often, those who qualify are not required to make a down payment on their home. Additionally, these loans often include less expensive closing costs.

If you are a veteran or the family member of a veteran, contact Mission One Mortgage today to speak with our Vetted VA Professional, Debbie Haberny. Debbie helps our military members, veterans, and their family members obtain home loans utilizing veteran benefits and would be happy to help as you search for a home.

Q. I was talking to my spouse about mortgage brokers, and they mentioned the phrase home loan originator. What's the difference between a broker and a loan originator?

A. The mortgage industry is full of confusing jobs and titles, making it easy to confuse roles and responsibilities. Such is the case with mortgage brokers and home loan originators. Though their roles share similarities, a home loan originator in Richland, SC, works for a bank or credit union, while a mortgage broker works for a brokerage company. Home loan originators and mortgage brokers are both licensed by the Nationwide Multistate Licensing System (NMLS).

Q. I've heard from everyone that you must have mortgage insurance to buy a home. What is mortgage insurance?

A. Essentially, mortgage insurance helps protect lenders if a borrower forecloses on the home they bought. One advantage of mortgage insurance is that when borrowers pay it, lenders can often grant loans to buyers when they might not have otherwise. Though not always required to buy a home, mortgage insurance is often needed for down payments of less than 20%.

Q. I have just been pre-approved to buy a beautiful home in South Carolina. Is there anything I shouldn't do now that I'm pre-qualified?

A. Mortgage companies like Mission One Mortgage, make getting pre-qualified for a home easy. However, as your loan process continues, your lender is required to run a new credit report before closing on a home. For that reason, it's to avoid any activity that might affect your credit score, such as:

  • Do not become a co-signer on a loan with someone else.
  • Do not quit or change your job.
  • Do not apply for new credit cards, automobile loans, or any other lines of credit.
  • Do not use your credit card to pay for large purchases, like furniture for your new house.
  • Do not avoid payments on current lines of credit, loans, or utility bills.

Q. My brother-in-law recently refinanced his home in South Carolina. What is refinancing, and should I consider refinancing my home too?

A. Refinancing your home basically means you're swapping your current mortgage for a new one, most often with a lower interest rate. If you would like to reduce the term of your loan, lower your monthly mortgage payments, or consolidate debt, refinancing may be a smart option. Many homeowners also choose to refinance if they want to switch from adjustable-rate mortgages to fixed-rate mortgages or to get cash back for home renovations. To learn whether refinancing is a viable option for your situation, contact Mission One Mortgage ASAP, as loan rates change frequently.

What Clients Say About Us

Mission One Mortgage: Turning Dreams into Reality, One Mortgage at a Time

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Here at Mission One Mortgage, we believe that the best communities begin with the dream of home ownership. Our mission is to make those dreams come true, with personalized service, expert guidance, and good old-fashioned hard work. As one of the most trusted mortgage companies in Richland, SC, we have years of experience working with a diverse range of clients, from first-time buyers and investors to self-employed borrowers and non-native English speakers.

Though every mortgage situation is different, one thing never changes: our commitment to clients. Contact our office today to get started on an exceptional home-buying experience.

Contact Us For Service !

phone-number (843) 822-5685
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Latest News Near Me Richland, SC

Federal school accountability labels place 18 Richland Two schools under improvement status

Richland School District Two received federal ATSI, TSI-CUS and CSI designations for 18 schools in 2025–26. Here's what that means.RICHLAND COUNTY, S.C. — Richland School District Two has been notified that 18 of its schools received new or continuing federal subgroup-specific designations for the 2025–26 school year, based on student performance data reviewed by the South Carolina Department of Education.According to a press release, SCDE informed the district on Dec. 19, 2025, that schools in Richland Two we...

Richland School District Two received federal ATSI, TSI-CUS and CSI designations for 18 schools in 2025–26. Here's what that means.

RICHLAND COUNTY, S.C. — Richland School District Two has been notified that 18 of its schools received new or continuing federal subgroup-specific designations for the 2025–26 school year, based on student performance data reviewed by the South Carolina Department of Education.

According to a press release, SCDE informed the district on Dec. 19, 2025, that schools in Richland Two were designated under three federal categories: Additional Targeted Support and Improvement (ATSI), Continuous Targeted Support and Improvement (TSI-CUS), and Comprehensive Support and Improvement (CSI). Federal designations are based on the performance of demographic subgroups of students within a school.

“As with many districts in South Carolina, federal designations show Richland School District Two must continue to work to serve and improve the performance of students who are identified as disabled (i.e., receiving Special Education services),” the district said.

For the 2025–26 school year, 18 schools received a new or continuing designation tied to the performance of disabled students, and one school was identified as a Comprehensive Support and Improvement school, meaning it ranked in the lowest 5% of Title I schools in the state.

This year, two schools were also flagged for the first time based on the performance of additional subgroups, including students living in poverty and multilingual learners.

“Richland School District Two is committed to meeting the learning needs of each and every student in the district,” the district said, noting its new instructional plan is designed to support both overall school performance and student subgroup performance. Schools with federal designations receive assistance with required state documentation, prioritized district support, and help through the district’s Continuous Improvement System.

For the 2025–26 school year, the following Richland Two schools were identified as ATSI, TSI-CUS, or CSI:

Under the federal Every Student Succeeds Act (ESSA), states are required to identify schools with “consistently underperforming” student subgroups. Schools are designated when one or more student groups rank in the bottom 10 percent across accountability indicators, or when subgroup performance alone would meet the criteria for identification.

Descriptions and requirements of South Carolina federal school designations can be found on the SCDE School Improvement webpage.

District officials, however, noted progress in recent years. Ridge View High School and Spring Valley High School exited ATSI status before the end of the 2024–25 school year. Richland Northeast High School exited ATSI status for the 2025–26 school year, and Joseph Keels Elementary exited ATSI status with no subgroup designations indicated for 2025–26.

Richland County, SC – Wanted Wednesday: Burglary Suspect Sought

Richland County, SC – Investigators are asking for the public’s help today to identify a suspect connected to a series of burglaries and vehicle thefts in the Wildflower Road area earlier this month.According to the Richland County Sheriff’s Department (RCSD), deputies are attempting to identify a male suspect allegedly involved in a burglary in which he broke into a woman’s home, stole her vehicle keys and credit cards, and took her vehicle. Investigators say the suspect later returned the veh...

Richland County, SC – Investigators are asking for the public’s help today to identify a suspect connected to a series of burglaries and vehicle thefts in the Wildflower Road area earlier this month.

According to the Richland County Sheriff’s Department (RCSD), deputies are attempting to identify a male suspect allegedly involved in a burglary in which he broke into a woman’s home, stole her vehicle keys and credit cards, and took her vehicle. Investigators say the suspect later returned the vehicle to the residence, then came back again, took the keys, and stole the vehicle a second time.

RCSD said the initial vehicle theft occurred Saturday, November 16, 2025, in the Wildflower Road area of Richland County. The vehicle was reportedly stolen again on Sunday, November 17, 2025. Investigators say the suspect then attempted to use the victim’s credit cards on Monday, November 18, 2025.

Surveillance images released by the sheriff’s department show the suspect inside what appears to be a convenience store. His identity remains unknown, and deputies are urging anyone who recognizes the individual or has information related to the case to come forward.

The case was highlighted as part of the department’s ongoing “Wanted Wednesday” initiative, which uses public assistance to help identify suspects in active investigations. Authorities emphasize that tips can be submitted anonymously.

Anyone with information is asked to contact the Richland County Sheriff’s Department at 803-576-3000. Tips can also be submitted anonymously through CrimeStoppers at 1-888-CRIME-SC.

Deputies remind the public not to approach the suspect and to share any relevant information directly with law enforcement.

This article was produced by a journalist and may include AI-assisted input. All content is reviewed for accuracy and fairness. Follow us on Instagram & Facebook for more relevant news stories and SUPPORT LOCAL INDEPENDENT NEWS! Have a tip? Message us!

High-speed Richland County chase ends with crash into power pole, driver arrested

COLUMBIA, S.C. (WIS) - A man was arrested after a high-speed chase ended in a crash into a power pole in Richland County.The Richland County Sheriff’s Department said 32-year-old Leland Cheeks was charged Friday with failure to stop for blue lights, reckless driving, driving under suspension and striking a fixture on or adjacent to the roadway.RCSD said Cheeks was driving a white Jaguar SUV that fled from deputies at around 10:30 p.m. Friday. The car was spotted again minutes later near Parklane Road, but Cheeks reportedl...

COLUMBIA, S.C. (WIS) - A man was arrested after a high-speed chase ended in a crash into a power pole in Richland County.

The Richland County Sheriff’s Department said 32-year-old Leland Cheeks was charged Friday with failure to stop for blue lights, reckless driving, driving under suspension and striking a fixture on or adjacent to the roadway.

RCSD said Cheeks was driving a white Jaguar SUV that fled from deputies at around 10:30 p.m. Friday. The car was spotted again minutes later near Parklane Road, but Cheeks reportedly didn’t stop for lights and sirens - initiating a chase.

Other details of the pursuit were redacted from an RCSD incident report obtained by WIS on Monday. However, it does state that Cheeks crashed into another vehicle during the chase on Interstate 77 South, as well as a power pole that caused a transformer to blow.

After the second crash, deputies surrounded the vehicle and began calling Cheeks out. RCSD also opened the driver’s door and demanded that Cheeks show his hands, or a K-9 would go after him.

The sheriff’s department said Cheeks then came out of the wreckage on his hands and knees. He was detained at the scene.

Cheeks was treated at a hospital for foot and leg pain. He was later released and booked at the Alvin S. Glenn Detention Center. As of noon Monday, records show he is being held on a nearly $33,000 bond.

The South Carolina Highway Patrol took over the investigation of the crash on I-77, while Dominion Energy crews responded to repair the power pole and transformer.

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One dead, one hurt in Richland County after shooting

COLUMBIA, S.C. (WIS) - The Richland County Sheriff’s Department is investigating after a Friday night shooting left one person dead and another hurt.Deputies said they were dispatched Friday around 9:30 p.m. to the 7500 block of Hunt Club Road after reports of a shooting. After arriving, deputies said they located a male victim suffering from a gunshot wound to his midsection. RCSD said deputies provided medical aid to the victim until EMS arrived and transported the victim to a local hospital.While circulating the immedi...

COLUMBIA, S.C. (WIS) - The Richland County Sheriff’s Department is investigating after a Friday night shooting left one person dead and another hurt.

Deputies said they were dispatched Friday around 9:30 p.m. to the 7500 block of Hunt Club Road after reports of a shooting. After arriving, deputies said they located a male victim suffering from a gunshot wound to his midsection. RCSD said deputies provided medical aid to the victim until EMS arrived and transported the victim to a local hospital.

While circulating the immediate area for additional evidence, deputies found two guns: one inside the residence and another outside on the ground.

According to investigators, after arriving at the hospital, another shooting victim was being transported to the same hospital. Investigators learned the second victim, also a male, had a gunshot wound to the upper body and was pronounced dead upon arrival.

Investigators said they were able to conclude that both gunshot wound victims were related to the same incident.

RCSD says this is an active and ongoing investigation.

The department asks if anyone has information about the incident to call RCSD at 803-576-3000 or submit a tip through CrimeStoppers at 1-888-CRIMESC.

This is a developing story. Check back here for more updates as we learn more.

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Use of force by Richland deputies leaves man battered & bruised on live TV show

Editor’s note: This story was updated Thursday at 10:15 a.m. to clarify that deputies did not cause the large knot that can be seen on the top of Outen’s head.A traffic stop by the Richland County Sheriff’s Department — captured on the TV show “On Patrol: Live” — left a man with multiple injuries to his face after refusing to exit his vehicle. The department now says it plans to review its use of force policy.Around 7:45 p.m. on Dec. 6, deputies conducted a traffic stop on Maxie ...

Editor’s note: This story was updated Thursday at 10:15 a.m. to clarify that deputies did not cause the large knot that can be seen on the top of Outen’s head.

A traffic stop by the Richland County Sheriff’s Department — captured on the TV show “On Patrol: Live” — left a man with multiple injuries to his face after refusing to exit his vehicle. The department now says it plans to review its use of force policy.

Around 7:45 p.m. on Dec. 6, deputies conducted a traffic stop on Maxie Outen, 31, on Hardscrabble Road for failing to maintain lane, according to a news release.

Upon making contact with Outen, a deputy spotted a white substance inside a plastic bag that Outen said was a narcotic, the release said.

Outen was then ordered out of the car, but refused, according to the release. A fight between deputies and Outen broke out and lasted several minutes, during which deputies struck Outen multiple times as the 31-year-old resisted and kicked deputies, the release said. A Taser was also deployed but was ineffective.

Once detained, deputies searched Outen’s vehicle and found an open bottle of liquor, narcotics, a firearm and a box of ammunition. He was charged with possession of a schedule 1 narcotic, possession of a firearm by a convicted felon, transport of liquor by vehicle with a seal broken, third-degree assault and battery and resisting arrest, according to the release.

In a mugshot photo, Outen appeared to have a bruise around his left eye with blood surrounding his nose and lips. The knot on top of Outen’s head was not a result of the incident, according to Sheriff Leon Lott and a photo of Outen’s driver’s license, taken before his encounter with deputies.

The department said in a news release that it will review its use of force policy and that its Citizens Advisory Council will review the incident during a meeting in January.

Outen was booked into the Alvin S. Glenn Detention Center. He was released on a $17,382.50 bond, according to the release.

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