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 Richland, 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 Richland natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Richland, 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 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.
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 Richland, 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 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:
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 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.
UPDATE: Montrell Bowers-Sanders has been located safely, the Richland County Sheriff’s Department said March 20. He was unharmed, according to the sheriff’s department, but information about where he was found was not available.Original StoryA search is underway for a missing South Carolina teenager with medical issues.Montrell Bowers-Sanders was publicly reported missing by the Richland County Sheriff’s Department Wedn...
UPDATE: Montrell Bowers-Sanders has been located safely, the Richland County Sheriff’s Department said March 20. He was unharmed, according to the sheriff’s department, but information about where he was found was not available.
Original Story
A search is underway for a missing South Carolina teenager with medical issues.
Montrell Bowers-Sanders was publicly reported missing by the Richland County Sheriff’s Department Wednesday. The 14-year-old has not been seen for three days, the sheriff’s department said in a news release.
Montrell was last seen March 17 while in the 7300 block of Parkview Drive in Columbia, according to the release. That’s near Exit 73 on Interstate 20, which is the junction with S.C. 277.
There was no word if Montrell was considered a runaway, or if he was alone when he was last seen. The sheriff’s department did not say if foul play was suspected in Montrell’s disappearance.
The teen has medical issues that require treatment, the sheriff’s department said. Further information on his condition was not available, but the sheriff’s department said Montrell is “believed to be in danger as he requires medical assistance.”
The sheriff’s department didn’t provide a description of Montrell, but said he was last seen wearing blue jeans, a multicolored shirt and a blue fleece.
Anyone who has seen Montrell, or has information about him, is asked to call the sheriff’s department at 803-576-3000, or CrimeStoppers at 888-CRIME-SC or submit an online tip.
This is a developing story, check back for updates.
This story was originally published March 20, 2025 at 10:04 AM.
I knew it was coming, but there’s no preparing for the feeling of a Belgian Malinois clamping its jaws down on your arm — and pulling.The Richland County Sheriff’s Department recently hosted a “media day” full of information and demonstrations showcasing the different units in the department. As the day wrapped up, it was time for the K-9 unit to shine.Though the itinerary clearly said “K-9 demonstration,” it failed to ...
I knew it was coming, but there’s no preparing for the feeling of a Belgian Malinois clamping its jaws down on your arm — and pulling.
The Richland County Sheriff’s Department recently hosted a “media day” full of information and demonstrations showcasing the different units in the department. As the day wrapped up, it was time for the K-9 unit to shine.
Though the itinerary clearly said “K-9 demonstration,” it failed to note that we would be the test dummies.
The deputies assured me I wouldn’t feel a thing under the thickly padded training suit. They said they’ve had middle schoolers lined up to get in the suit — surely I was brave enough to do it myself.
Sgt. Josh Newsom sweetened the deal, telling me he’d bring in his own dog, Bali, who is set to retire this year. Bali is a Belgian Malinois, which looks like a slightly smaller, leaner German Shepard.
I did the math in my head: padded suit, older dog trained by the unit’s leader himself … I’d probably be in good hands.
I questioned my judgment the second the door opened. Bali, an 11-year-old with a slightly greying coat, looked sweet enough. He was clearly excited, whimpering and pulling at his leash. It took me only a few seconds to realize he wasn’t excited to meet us — he was excited to attack.
After I signed a waiver, I jumped into the heavy suit, made of a dense fabric called Jute.
Stepping onto the mat with my hands clasped together, I turned away from Bali and waited.
With Bali panting behind me, Newsom decided this was the perfect time to talk about why K-9 units are important.
“We carry a bunch of lethal weapons on us and in our cars, but nothing that can’t be taken by force and used against us,” said Newsom, “except for (the dogs).”
The dogs are also unique in the sense that they can be sent out and recalled during a high-pressure encounter.
Last year was a tough year for the department — the unit lost three dogs. When they’re fully staffed, RCSD has 25 dogs.
Newsom said they’ve just purchased a new dog, and he’s testing more dogs tomorrow. They can range anywhere from $8,500 for a “green” dog with no training, to over $20,000 for specialized dogs, like those on the SWAT team.
Newsom does all the training for the dogs in-house. Handlers are each assigned one dog, and generally train eight hours a day for four months before they’re ready to join the unit. Even then, handlers are still required by law to train for 16 hours a month. But Newsom said he expects his deputies to keep training every free moment they have on shift.
“All of my handlers are expected to train when they first come on shift, and before they go home,” Newsom said, “If we’re not actively involved in something, we’re training.”
The department features bomb dogs, evidence-sniffing dogs, human remains detection dogs and even an “electronic storage device dog” that can sniff out any device that can store data, sometimes as small as a flash drive.
The majority of the dogs are “full service patrol” dogs, like Bali — meaning they’re used for protection, to apprehend suspects and to sniff out narcotics.
“You’re actually seeing one of our grumpiest, less likely to listen dogs right now,” Newsom said. “This is the worst behaved dog we have … But all of them are, obviously, a high enough tier to work here at Richland.”
Everyone chuckled. I gulped.
"You ready?" Newsom asked me.
I said yes. For what felt like an eternity, there was only the sound of Bali's heavy breathing behind me while he waited for his handler's command.
And then he was on me — 195 pounds of bite force sank into the pocket of the suit between my right shoulder and arm. His teeth found purchase on my elbow joint, and the deputies had to grab hold of me while Bali tried his best to bring me to the ground.
Though I added an extra padded sleeve under the suit, I certainly felt Bali’s wrath. I’ve heard the feeling described as a “big pinch.” I would say that’s accurate, if you’re being pinched by the Hulk, and he’s also shaking you around. I lasted about 10 seconds.
Newsom called Bali off, and told me to walk away. As I moved out of the range of Bali's jaws, he sprung one last time for me. I'll call that a love tap.
My arm hurt mildly for the rest of the day, as though I had hit my "funny bone" really hard. As I write this a few days later, a small bruise has blossomed on the inside of my elbow, directly on my joint. It doesn’t hurt unless I touch it, thankfully.
I can report I’ve lost no love for dogs — not even Bali. I hope he enjoys his retirement, he’s certainly earned it. But, for my own sake, I hope I never end up on that side of a Malinois’ jaws again.
Contact Chloe at cbarlow@postandcourier.com
SCDES said Richland County must pay $1 million of the fine over the next 11 months.Credit: WLTXBLYTHEWOOD, S.C. — State officials have fined Richland County $3 million over what inspectors said were violations found at the Scout Motors plant construction site near Blythewood.The South Carolina Department of Environmental Services (SCDES) executed a c...
SCDES said Richland County must pay $1 million of the fine over the next 11 months.
Credit: WLTX
BLYTHEWOOD, S.C. — State officials have fined Richland County $3 million over what inspectors said were violations found at the Scout Motors plant construction site near Blythewood.
The South Carolina Department of Environmental Services (SCDES) executed a consent order with Richland County and Scout on May 5 that lays out the fines and also what corrective actions must be taken. A consent order is a way of resolving a legal matter without a trial.
While the fine against Richland County is $3 million, roughly $2 million of that total is eligible to be suspended if the facility meets certain requirements by several spelled-out deadlines.
Richland County owns the land off Blythewood Road where Scout is building a massive facility set to open in 2027 that will make electric SUVs and trucks. The county is responsible for managing the land, including efforts to stop water running off the site and any contamination that might cause.
The order states that back in March of 2024, SCDES—then known as SCDHEC—did an inspection of the site and found what they called "deficiencies" related to water and silt drainage at the site. The consent order says those included not having an emergency spillway near a basin, in-stream check dams at the property line of nearby Beasley Creek were too small, and an observation that silt and sediment had built up below the property line—an indication sediment was actively leaving the site. SCDHEC issued a notice of deficiency and asked the owners to correct the problem.
Subsequent inspections in April, June, and July of 2024 also noted deficiencies with stormwater plans and best management plans to control runoff, leading to sediment to enter Beasley Creek, according to SCDES. While some corrections were made that summer, more problems were noticed, however, at another inspection in August.
The newly created SCDES then met with representatives for Scout and Richland County in August. Richland County told the agency it had a corrective action plan that included working on better erosion control, among other measures.
Ultimately, SCDES concluded Richland County violated several state codes and regulations. The consent order states that Richland County now has to submit documentation that they are making changes to address problems at the site that they've identified over the next 45 to 60 days.
SCDES said Richland County must pay $1 million of the fine over the next 11 months. The first payment—$85,000—had to be made this month, with each subsequent one due on the first of the month. The rest of the $3 million could be avoided if Richland County makes the necessary corrections.
News19 contacted Richland County officials for comment on the consent order, and got this response:
“Richland County remains committed to upholding the highest environmental standards at the Scout Motors site. The June 2024 report was promptly resolved, and a third-party engineering firm was engaged—alongside the state—to ensure full regulatory compliance. Richland County has worked collaboratively to set goals and correct any outstanding issues.
We’re proud to support Scout Motors, the largest economic development project in our history, with over $2 billion in investment and 4,000 new jobs. This project marks a major step forward in creating opportunity and long-term growth for our region.
Richland County and the State remain focused on ensuring the project's success and building a strong, sustainable future in partnership with Scout Motors.”
When contacted by News19, a Scout spokesperson said in part, "throughout this process, we have maintained open communication with County leadership and the South Carolina Department of Commerce, who we believe will ensure that the County and State's work on the production site will be in full compliance with environmental regulations.
"Scout Motors remains fully committed to the successful launch of our $2 billion Production Center in Blythewood, South Carolina. We are dedicated to working collaboratively with our partners to finalize site construction, prepare for production, and create 4,000 rewarding new jobs, which will provide lasting benefits to the Midlands community and beyond.”
RICHLAND COUNTY, SC, UNITED STATES, May 7, 2025 /EINPresswire.com/ -- After facing persistent challenges with ineffective vendor registration and limited contract management tools, Richland County, SC sought a modern solution to overhaul its procurement operations. The County selected OpenGov, the industry-leading provider of cloud software purpose-built for government, to meet its evolving needs.Located in the heart of South Carolina and home to more than 40...
RICHLAND COUNTY, SC, UNITED STATES, May 7, 2025 /EINPresswire.com/ -- After facing persistent challenges with ineffective vendor registration and limited contract management tools, Richland County, SC sought a modern solution to overhaul its procurement operations. The County selected OpenGov, the industry-leading provider of cloud software purpose-built for government, to meet its evolving needs.
Located in the heart of South Carolina and home to more than 400,000 residents, Richland County needed a procurement platform that could improve vendor compliance, reduce administrative overhead, and strengthen internal collaboration. The County was especially interested in better tools for tracking vendor performance and managing solicitations across departments. OpenGov Procurement & Contract Management stood out for its robust functionality, superior support, and flexibility to meet the County’s unique operational requirements.
With the implementation of OpenGov Procurement & Contract Management, Richland County expects to bring greater transparency, consistency, and control to the entire procurement lifecycle. The County will benefit from improved vendor verification processes and the ability to monitor compliance in real-time, giving staff more confidence in vendor relationships. Plus, customizable alerts and streamlined contract dashboards will help teams stay organized and responsive—ensuring no deadlines or obligations fall through the cracks.
OpenGov is the leader in AI-enabled software for cities, counties, state agencies, and special districts. With a mission to power more effective and accountable government, OpenGov serves more than 2,000 communities across the United States. OpenGov is built exclusively for the unique enterprise asset management, permitting and licensing, procurement & contract management, tax & revenue collection, budgeting and performance, and financial management needs of the public sector. The OpenGov platform empowers organizations to operate more efficiently, adapt to change, and strengthen trust in the communities they serve. Learn more or request a demo at opengov.com.
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