Your Path to Homeownership Starts Here - Expert Mortgage Assistance
Mortgage Broker Near Me Sullivan's Island, SC
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 Sullivan's Island, 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.
DifferenceThe Mission One Mortgage Difference
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 Sullivan's Island natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Sullivan's Island, 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.
- Mortgage Broker Sullivan's Island, SC
- The Mission One Mortgage Difference
- Why Should I Work with a Mortgage Broker in Sullivan's Island, SC
- Exploring the Benefits of Working with a Mortgage Broker
- Common Home Loan Options in South Carolina
- Home Mortgage FAQs
- Mission One Mortgage: Turning Dreams into Reality, One Mortgage at a Time
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- 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- 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- 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- 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.
Why Should I Work with a Mortgage Broker in Sullivan's Island, SC?
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.
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 Sullivan's Island, 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
BenefitsExploring the Benefits of Workingwith a Mortgage Broker
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.
Home LoanCommon Home Loan Options in South Carolina
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 Sullivan's Island, 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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(843) 822-5685
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.
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.
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.
FAQsHome Mortgage FAQs
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 Sullivan's Island, 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.
Mission One Mortgage: Turning Dreams into Reality, One Mortgage at a Time
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 Sullivan's Island, 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 !
(843) 822-5685
Latest News Near Me Sullivan's Island, SC
14 hotspots to celebrate the Fourth of July and watch the fireworks around Charleston
Wyatt Barczakhttps://www.postandcourier.com/charleston_scene/events/fireworks-fourth-of-july-charleston-sc/article_518a84e2-2cd8-433d-a8c5-28811b1b05aa.html
Firecrackers will flash across Charleston's stunning skyline once again this year, offering yet another spectacular Fourth of July for the Lowcountry.If you're looking for a special setting to embrace the patriotic holiday, consider watching the dazzling light shows aboard the flight desk of the USS Yorktown. This year's event will feature two separate stages with local bands, the opportunity to explore parts of the Yorktown museum and more fun family activities to honor the national holiday."Every adult hits that point wh...
Firecrackers will flash across Charleston's stunning skyline once again this year, offering yet another spectacular Fourth of July for the Lowcountry.
If you're looking for a special setting to embrace the patriotic holiday, consider watching the dazzling light shows aboard the flight desk of the USS Yorktown. This year's event will feature two separate stages with local bands, the opportunity to explore parts of the Yorktown museum and more fun family activities to honor the national holiday.
"Every adult hits that point where you think you've been to every kind of fireworks show," said Sam Elkin, Patriots Point's director of marketing and communication. "If you've seen one, you've seen them all, right? That is until they've seen this one — which is the most unique fireworks show in Charleston — with unmatched views and sightlines of multiple fireworks shows across Charleston harbor. It's truly something special."
If you're in Summerville, head to the Fireworks and Freedom Festival, where there will be glow sticks for the little ones and the shuttle buses running from behind town hall to Gahagan Park.
"It's really a great event for Summerville, as well as for those from Moncks Corner or North Charleston looking for something a little different from what they're used to," said Rigel Kocur, Summerville Parks and Recreation Department's marketing and events manager.
With so many captivating celebrations to choose from, we've got 14 hotspots for your Fourth of July festivities and fireworks.
Fireworks and Freedom Festival
What: Enjoy a curated fireworks display, tasty food trucks, inflatable obstacle courses and community fun hosted by the Summerville Parks and Recreation Department.
When: 5:30-9:30 p.m.
Where: Gahagan Park, 515 W. Boundary St., Summerville
Price: Free
Red, White and Palm
What: Get together at this pre-fireworks gathering and enjoy a live DJ, light bites, chilled cocktails and a stunning view of the fireworks over Charleston's skyline. Patriotic attire is encouraged.
When: 6-9 p.m.
Where: Little Palm, 237 Meeting St., Charleston
Price: Free
Fabulous Fourth in the Creek
What: Goose Creek hosts their annual Fourth of July celebration and fireworks show, featuring live music, tasty food vendors and plenty of family-friendly activities to explore.
When: 6:30-9:30 p.m.
Where: Goose Creek Municipal Center, 519 N. Goose Creek Blvd.
Price: Free
Fourth of July Fireworks Blast
What: Watch Charleston harbor light up with fireworks aboard the historic USS Yorktown with live music, tasty food vendors and unmatched views.
When: 7-10 p.m.
Where: USS Yorktown, Patriots Point Naval and Maritime Museum, 40 Patriots Point, Mount Pleasant
Price: $109
What: This annual parade which will march down Dunvegan Drive, turn left on Shadowmoss Parkway and travel around Muirfield before wrapping up at the starting line. Expect patriotic floats, some vintage cars and more.
When: 10 a.m.
Where: Shadowmoss Golf & Country Club, 21 Dunvegan Drive, Charleston
Price: Free
Fourth of July Fireworks Cruise
What: Board The Carolina Girl yacht for an exclusive night on Charleston harbor to view the annual fireworks shows, featuring a live DJ, light bites, an open bar and incredible views.
When: 8-11 p.m.
Where: St. Johns Yacht Harbor, 2408 Maybank Highway, Johns Island
Price: $170
July 4th Family Picnic and Fireworks
What: Bring out your family and friends for an outdoor picnic with fun games, live music and fireworks.
When: 6-9 p.m.
Where: Bay Creek Park, 3706 Dock Site Road, Edisto Island
Price: Free
4th of July Festival
What: Break out the lawn chairs for North Charleston's annual festival featuring a stunning fireworks show after dark and live music from Motown Throwdown alongside DJ Natty Heavy and DJ D-Nyce.
When: 5-9:30 p.m.
Where: Riverfront Park, 1061 Everglades Ave., North Charleston
Price: Free
4th of July Juke Joint Jam
What: Celebrate Independence Day with some Gullah Geechee food and culture alongside some groovin' funk by DJ Kwame Sha as well as Beth Inabinett & For the Funk of It Band. All proceeds support the Penn Center's heritage program.
When: 7 p.m.
Where: Penn Center, 16 Penn Center Circle E., St. Helena Island
Price: $28
Isle of Palms Fourth of July Fireworks Show
What: Isle of Palms will host their annual fireworks show on the beach with incredible displays across the entirety of Charleston harbor.
When: 9 p.m.
Where: Front Beach, 1118 Ocean Blvd., Isle of Palms
Price: Free
Independence Day Celebration
What: Celebrate Independence Day with a fun bike parade, cookout, live music, watermelon-eating contest, breakdancing and fireworks.
When: 5-9 p.m.
Where: Night Heron Park, 1 Kiawah Island Parkway, Kiawah Island
Price: Free
Daniel Island Independence Day Celebration
What: Sign up for Daniel Island's golf cart parade, which begins at Bishop England High School and continues to Daniel Island School parking lot. A celebration will follow at Smythe Park with live DJs, dance performances, music from Wildflower Station and the East Coast Party Band.
When: 4-9 p.m. July 3
Price: Free
Sullivan's Island 4th of July Golf Cart Parade
What: Join in on the annual golf cart and bike parade, starting at the Sunrise Presbyterian Church and heading to Sullivan's Island Elementary School. Registered participants will be judged for most-festive golf cart at the finish line.
When: 8:30 a.m.
Price: Free
Sullivan's Island Independence Day Party
What: Following the annual parade, break out a lawn chair or picnic blanket and watch the fireworks fly over Sullivan's Island while listening to jams from the Shem Creek Boogie Band.
When: 6 p.m.
Where: J. Marshall Stith Park, 2058 Middle St., Sullivan's Island
Price: Free
Efforts are underway to rebuild famed Battle of Sullivan's Island log fort before next Carolina Day
Anna Sharpehttps://www.postandcourier.com/charleston_sc/palmetto-log-fort-rebuild-carolina-day/article_bcfd1134-48d8-49cb-9230-ea9ebc160fe6.html
SULLIVAN’S ISLAND – Palmetto logs chopped down by Dominion Energy could find new life in a tribute to a pivotal battle in the American Revolution.Thirty palmetto trees deemed unsafe by the electric utility last year were cut down, part of routine power line maintenance. Today the log...
SULLIVAN’S ISLAND – Palmetto logs chopped down by Dominion Energy could find new life in a tribute to a pivotal battle in the American Revolution.
Thirty palmetto trees deemed unsafe by the electric utility last year were cut down, part of routine power line maintenance. Today the logs are piled beside Battery Logan on Sullivan’s Island, awaiting their second act in a re-creation of the log fort that absorbed blows from British cannonballs and helped guide Patriot troops to a decisive victory over the Royal Navy.
The island is preparing for Carolina Day celebrations on June 28, the annual commemoration of the famed battle. While plans to rebuild a portion of the iconic fort is underway, they are still are largely conceptual.
Mike Walsh, president of the Battery Gadsden Cultural Center, discussed the slow-going efforts to bring the fort to life once more in the Edgar Allen Poe Library on Ion Avenue.
Inside the converted Spanish-American War-era battery, Walsh said the idea to rebuild the fort is a "dream worth pursuing," although many details, like its location and construction, are still undecided.
"In the general sense of trying to up the awareness of the Battle of Sullivan's Island, you have to include the Palmetto log fort, because therein lies the story," Walsh said.
Palmetto logs were used by soldiers and enslaved laborers from nearby plantations in the early days of the American Revolution. Col. William Moultrie, the man for whom Fort Moultrie is named, oversaw the construction of the structure as the British Royal Navy closed in on Patriot soldiers.
The fort consisted of two parallel rows of palmetto logs about 16 feet apart. Inside, brick pillars supported a cannon platform. Thousands of cubic yards of sand were shoveled in and packed between the logs.
The fort was not complete by the time the battle began on June 28, 1776, and there was wavering faith in the fortitude among high-ranking military officials.
Maj. Gen. Charles Lee arrived in Charleston on June 8, 1776, to command the Continental Army's Southern Department. He dubbed the fort a "slaughter pen," and warned Moultrie the defense would quickly succumb to the Royal Navy's expansive weaponry.
But the palmetto logs embedded in sand were sturdy, yet pliable. Cannon fire bounced off the fort, the logs absorbing the blows like a sponge.
It held up through the night. By morning, over 200 British causalities were recorded, and the Loyalists surrendered.
The fort did not stand the physical test of time. It disappeared in the months after the battle, eaten away by the tides and salty air.
Yet the symbol of the fort and the palmetto persists, added to the South Carolina flag in 1861. It's unknown who came up with the idea to use the logs for the fort, Walsh said, but it proved to be indispensable in the battle.
Had Moultrie listened to Lee and abandoned the idea, "I might be speaking with a British accent and sipping tea," Walsh said.
"That's how important the Battle of Sullivan's Island was, and to us who care about that, that means that the Palmetto log fort was important."
Recreating history
Walsh and the cultural center, a nonprofit preservation society dedicated to Sullivan's Island, are working with SC250 Charleston, the local branch of SC250 that's planning events to recognize the 250-year anniversary of the American Revolution. The organizations are teaming up to, hopefully, rebuild a section of the fort.
There are still several hurdles to jump through before the dream is realized, SC250 Charleston President Brett Bennett said June 26. Funding for the project has to be finalized, and Sullivan's Island's town council has yet to sign off on where the fort will stand for the duration of the exhibit.
A 3D-model of the fort was printed by the Clemson Design Center. By having a tangible, scaled vision of the fort, Bennett said he hopes buy-in from Sullivan’s Island residents and leaders will follow.
"We, meaning SC 250, nor the Battery Gadsden Cultural Center, or any of the other nonprofit entities like SC 250 Charleston, would want to impose on the residents of the area," Bennett said. "But we also are eager to see the project forward so that people can better visualize what that original fortification looked like."
Longtime Charleston residents may recall the 1976 reconstruction of the fort, which was housed on National Park Service property at Fort Moultrie. Built to commemorate the 200th anniversary, photos of the re-creation show it was a towering structure, where visitors could explore the fort by climbing inside.
If the latest version is successful, Walsh said the newest version would be much smaller and akin to an educational exhibit or art display.
Walsh said they hope to have the fort complete in time for the 250th anniversary of the Battle of Sullivan’s Island in June 2026.
‘It helped make America’: Sullivan’s Island celebrates Carolina Day
Caroline Spikeshttps://www.live5news.com/2025/06/28/it-helped-make-america-sullivans-island-celebrates-carolina-day/
SULLIVANS ISLAND, S.C. (WCSC) - As Saturday marks Carolina Day, it also marks one step closer for America to gain its independence.A commemorative event, The Fighting for Independence, was held on Sullivan’s Island at Fort Moultrie for a day of history and celebration.“It helped make America and if it wasn’t for all these people, we wouldn’t be here today,” attendee Nate Fine said.A Georgia man took a trip to the Lowcountry to see where the historic battle took place at Fort Moultrie....
SULLIVANS ISLAND, S.C. (WCSC) - As Saturday marks Carolina Day, it also marks one step closer for America to gain its independence.
A commemorative event, The Fighting for Independence, was held on Sullivan’s Island at Fort Moultrie for a day of history and celebration.
“It helped make America and if it wasn’t for all these people, we wouldn’t be here today,” attendee Nate Fine said.
A Georgia man took a trip to the Lowcountry to see where the historic battle took place at Fort Moultrie.
Given the kind of power behind the British navy, it wasn’t expected for the fort to stand strong 249 years ago.
“The guy that was in charge, Commodore Sir Peter Parker, has literally had his pants blown off. The reports say that his backside was laid bare,” Park Ranger, Christopher Reid said. “So, they have to turn around and leave. And we’ve been celebrating that victory ever since.”
The battle on Sullivan’s Island at Fort Moultrie is a historic moment, not just for locals in the Lowcountry but for the nation as a whole.
“There are things that everyone can relate to. An underdog story is one of them. Victory, loss, war is still a thing that we talk about and people can find a connection to it,” Reid said.
He also added that the interactive history lessons and the reenactments help find that connection.
“Having something for everyone helps step back in time and helps you kind of see what was happening rather than just having someone tell you in 1776 and then immediately falling asleep,” he said.
As people from the Palmetto state and out of towners joined Carolina Day, Fine said it was a step towards freedom, something a history junkie will never forget.
“It helps you learn what happened in the past and what all our forefathers did and all those brave men and women that did for our country and freedom’s awesome,” Fine said.
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