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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 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

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 Sullivan's Island, 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 Sullivan's Island, SC
 Refinances Sullivan's Island, 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 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

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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 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 !

phone-number (843) 822-5685
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10 Best Seafood Spots In South Carolina, According To Our Readers

If you click on links we provide, we may receive compensation.We asked our readers to vote for their favorite spots for fresh catch and local shrimp in the Palmetto State—here are their picks.When in Rome, do as the Romans do. When in South Carolina, find the nearest seafood dive and tuck into a platter of fried shrimp&mda...

If you click on links we provide, we may receive compensation.

We asked our readers to vote for their favorite spots for fresh catch and local shrimp in the Palmetto State—here are their picks.

When in Rome, do as the Romans do. When in South Carolina, find the nearest seafood dive and tuck into a platter of fried shrimp—preferably one served with an ice-cold beer and an unobstructed view of the water. While you can take to Google or a guidebook to determine where to go for steamed oysters or shrimp and grits in the Lowcountry, we decided to consult the folks who care about good Southern seafood as much as we do: our readers. Here are the 10 best seafood spots in South Carolina, as voted by Southern Living readers.

Lee's Inlet Kitchen

When you’ve been around for more than 75 years, you’re bound to be doing something right. At this beloved institution in the fishing village of Murrells Inlet, try not to load up on the hot hush puppies they bring to the table on arrival—though it's awfully tempting. There's still so much more to savor, like the hand-peeled, cold-boiled shrimp pulled from the waters of nearby McClellanville or the thin and crispy onion rings—Lee’s is as famous for those as it is for the seafood.

Order: The Shrimp Salad ($28.95), made with boiled fantail shrimp and Duke's mayo, is another house specialty.

4460 US-17 Business, Murrells Inlet, SC 29576; leesinletkitchen.com

explore Murrells Inlet

Hudson’s Seafood House on the Docks

It doesn’t get much fresher than this Hilton Head Island mainstay, where 90% of the seafood served comes directly from the surrounding waters. Because of its enviable position on the edge of Port Royal Sound, guests can watch a local fishing fleet (one of only two on the island) unload the day’s loot, which could include anything from white shrimp to soft-shell crab.

Order: From September through April, opt for the steamed local cluster oysters in the shell ($12 for a half bucket); the restaurant farms and harvests them.

1 Hudson Road, Hilton Head Island, South Carolina 29926; hudsonsonthedocks.com

Bowens Island Restaurant

Should you find yourself in the Holy City, make the worthwhile dirt-road detour to this family-owned restaurant that’s been a rambling fixture along Folly Creek since 1946. With its graffitied walls and worn-in wood floors, it doesn’t beg for attention, and it doesn’t need to. Deemed an American Classic by the James Beard Foundation in 2006, the Lowcountry seafood joint shovels fresh-steamed oysters onto trays September through the first half of May and dishes fried shrimp and hush puppies year-round. It’s all delicious—and it's made even more so if you snag a seat on the waterside deck.

Order: The shrimp (served boiled or fried) and fried fish platter is served with the seafood-dive-side-dish trifecta: french fries, hush puppies, and coleslaw.

1870 Bowens Island Road, Charleston, SC 29412; bowensisland.com

The Crab Shack

Situated on the main drag of the freewheeling beach town just 12 miles from buttoned-up Charleston, The Crab Shack is as family-friendly and flip-flop casual as its surrounds. Start with the the she-crab soup, but save room: The value seafood baskets—which you can order with flounder, shrimp, or scallops (or a combination of all three)—are generously portioned. Catch them at another location in Charleston as well.

Order: The marquee offering, The Charleston Steamed Seafood Bucket, includes two snow crab clusters, large domestic shrimp, and steamed oysters (market price).

26 Center Street, Folly Beach, SC 29439 and 8486 Dorchester Rd, Charleston, SC 29420; crabshacks.com

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Leon’s Fine Poultry & Oyster Shop

Housed in a reimagined garage on Upper King Street, the Brooks Reitz-helmed restaurant turned 10 in 2024, but it’s been a neighborhood favorite from the start, thanks to a menu of mouthwatering fried chicken, expectedly fresh oysters, and surprisingly craveable salads. Add to the clever mix soft-serve ice cream and buckets of Miller High Life ponies, and you’ve found yourself one of the best meals in this restaurant-proud town.

Order: Even the bivalve-averse crowd may develop a taste for oysters after sampling Leon's char-grilled take, which swim in a melty swirl of lemon and butter and are topped with a generous sprinkle of parmesan. The "old-school" scalloped potatoes are also not to be missed.

698 King St, Charleston, SC 29403; leonsoystershop.com

The Sea Shack

Don’t let inevitable line out the door during summertime scare you off. This treasured counter-service spot with just 40 seats is an area favorite thanks to its wide array of offerings, from conch fritters to flounder sandwiches. It’s all made to order and to your liking—fried, grilled, or blackened. Wash it down with a glass of what they declare to be the best sweet tea on the island, and finish with a slice of strawberry Key Lime pie (when it’s seasonally available) or a cup of banana pudding.

Order: Hearty appetites should try the Shack Attack Combo ($17.95 for lunch, $19.95 for dinner), which combines a crab cake, fish, shrimp, scallops, and oysters on a giant paper platter. Homemade tartar sauce is the traditional accompaniment, but we think the brandy-infused gator sauce makes an even better platter slather.

6B Executive Park Road, Hilton Head Island, SC 29928; seashackhhi.com

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Sullivan’s Fish Camp

With its lofted ceilings, lacquered-wood booths, and commitment to retro branding, this Sullivan’s Island joint feels like it’s been there forever. In reality, it’s a newcomer—a spring 2022 top-to-bottom overhaul of a restaurant that had called the same spot home for 30 years. And while the nostalgically striped, umbrella-shaded patio is painfully charming, the takeaway window makes a strong case for a to-go lobster roll savored on the beach just a few blocks away.

Order: The shrimp fried rice ($24) puts a fresh coastal twist on a takeout mainstay. We also love the Key lime pie.

2019 Middle Street, Sullivan's Island, SC 29482; sullivansfishcamp.com

explore Sullivan's Island

The Wreck of the Richard and Charlene

So named for the trawler that was tossed ashore on the same spot during Hurricane Hugo in 1989, this dinner-only, no-reservations establishment on Shem Creek shrugs off formalities in favor of its dynamite views and deliciously simple seafood. The best seat in the house belongs to the wooden dockside bar, where sunset views and local craft beers are just an arm’s length away.

Order: Complete with red rice, coleslaw, a hush puppy, and a fried hominy square, the shrimp platter (from $17.95) is a true taste of the Lowcountry. The deviled crab is also worth a try.

106 Haddrell Street, Mount Pleasant, SC 29464; wreckrc.com

Shrimp Shack

This family-owned lunch spot has been an island institution since it first opened its doors in 1978, and its magic belongs to its simplicity. They're only open for lunch, and you order through a carry-out window—though you don't have to take your food home. Snag one of the picnic tables on the porch for an especially satisfying alfresco dining experience.

Order: Given the restaurant's name, it's obvious you can't go wrong with shrimp here, but the shrimp burger ($9.30), served on a bun with tartar sauce and mayo, is a true crowd favorite.

1929 Sea Island Parkway, Saint Helena Island, SC 29920; facebook.com/shrimpshacksc

Mr. Fish Restaurant

There’s something for everyone on the extensive menu at this landmark Grand Strand restaurant and seafood market owned by a fisherman father and his culinary school-trained daughter. Choose a South Carolina classic, like the Lowcountry boil, or make the most of the raw bar and order a sushi roll or two. Stretch mealtime into a full-fledged Mr. Fish experience by reserving a ride to and from dinner in the Mr. Fishmobile, a bright blue school bus that hits all the nostalgic high notes.

Order: The seafood tacos ($15) are made with your choice of mahi, tuna, or shrimp and are topped with chipotle-lime sauce.

6307 North Kings Highway, Suite B, Myrtle Beach, SC 29572; mrfish.com

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VIDEO: Children hurt in Sullivan’s Island hit-and-run; police search for armed man

VIDEO: Police identify man wanted in Sullivan’s Island hit-and-run injures 3

Multiple people, struck by vehicle on Sullivan’s Island, South Carolina Church

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At least 1 adult, 2 children injured after being struck by vehicle outside Sullivan’s Island, South Carolina church, being investigated as an intentional act; driver at large. – ABC

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Sullivan’s Island Plays Key Role in Navy’s ‘Southern Lightning’ Event

From Steve Ghiringhelli, NIWC Atlantic Public Affairs Office NIWC Atlantic and NSWC Crane's "Southern Lightning," supported by Sullivan's Island (Mayor O'Neil), tested unmanned systems communications for a hybrid fleet. Part of Silent Swarm, it integrates manned/unmanned systems. Testing used vehicles supported by the USS Cole and SC National Guard. The island's environment advances communication capabilities....

From Steve Ghiringhelli, NIWC Atlantic Public Affairs Office

NIWC Atlantic and NSWC Crane's "Southern Lightning," supported by Sullivan's Island (Mayor O'Neil), tested unmanned systems communications for a hybrid fleet. Part of Silent Swarm, it integrates manned/unmanned systems. Testing used vehicles supported by the USS Cole and SC National Guard. The island's environment advances communication capabilities.

SULLIVAN’S ISLAND, S.C. — Naval Information Warfare Center (NIWC) Atlantic recently completed a week of research and communications testing involving unmanned autonomous systems off the coast of Sullivan’s Island in partnership with Indiana-based Naval Surface Warfare Center, Crane Division (NSWC Crane) and U.S. Fleet Forces Command.

Underpinning last month’s event dubbed “Southern Lightning” was the Department of the Navy imperative to develop a future hybrid fleet that integrates manned and unmanned systems across all warfighting domains — land, air and sea.

“Our strong collaboration with NSWC Crane exemplifies the intrinsic value warfare centers bring to the naval research and development establishment,” said Kevin Charlow, NIWC Atlantic acting executive director. “Alongside strong community support on Sullivan’s Island, it was remarkable to see the enthusiasm of our scientists and engineers working hard to envision which technologies might offer our warfighters the most promising capabilities.”

Each year, Sullivan’s Island is the site of the first leg of the two-week Southern Lightning experimentation event. The second week took place at Savannah River National Laboratory in Aiken, South Carolina, where NIWC Atlantic has collaborated with the Department of Energy since 2023.

“Sullivan’s Island has been an important site of American security since the Battle of Sullivan’s Island in 1776, where the British were handed the first major defeat of their naval fleet, mere feet from NIWC Atlantic’s current location,” said Sullivan’s Island Mayor Patrick O’Neil. “We continue to be proud of our connection to our nation’s military preparedness efforts and appreciate NIWC Atlantic’s critical efforts on behalf of our 21st Century defense.

“They are also good neighbors,” O’Neil added, “making sure that the town government and our residents are aware of their activities that might otherwise be cause for curiosity and rumor.”

In addition to a tethered aerostat flying over Charleston Harbor, communications testing during Southern Lightning was facilitated by placing sensors, relays and radios on unmanned aerial, surface and subsurface vehicles.

Making this year different from previous iterations was the presence of a U.S. Navy warship anchored off South Carolina.

U.S. Fleet Forces Command positioned the Arleigh Burke class guided-missile destroyer USS Cole (DDG 67) more than 20 miles off the coast and flew MH-60R helicopters in the area to help Navy engineers evaluate the viability of new USV technologies and concepts in an operational environment.

The South Carolina National Guard also supported communications efforts with AH-64 Apache helicopters.

During the event, unmanned systems owned by industry were launched from the western tip of Sullivan’s Island early in the morning and operated alongside the USS Cole far out at sea. Meanwhile, NIWC Atlantic and NSWC Crane technologists in Southern Lightning’s maritime operations center, or MOC, monitored signals and analyzed endless streams of data.

The MOC operated inside of NIWC Atlantic’s facility on Sullivan’s Island, located in a brick building on a hill next to Fort Moultrie.

In the bigger picture, Southern Lightning is a portion of a series of larger Department of Defense (DoD) experimentations each year called Silent Swarm. Led by NSWC Crane and sponsored by the Office of the Undersecretary of Defense for Research and Engineering, Silent Swarm invites industry to Lake Huron every summer to similarly experiment with early-stage technologies and drones.

Because Sullivan’s Island and NIWC Atlantic are key enablers for Southern Lightning, NSWC Crane was provided an excellent opportunity to experiment with Silent Swarm technology initiatives in a unique, multi-domain environment that included the fleet, said Robert “Ice” Gamberg, Silent Swarm lead and NSWC Crane Fleet Experimentation Lead.

“It brought together teams from across DoD and industry,” he said.

In tandem with Silent Swarm, Southern Lightning has grown into a golden opportunity for NIWC Atlantic, offering the command’s engineers and scientists a chance to hone communications capabilities critical to any future hybrid fleet setting.

“In addition to being a leader in the integration of communication architecture for unmanned systems, NIWC Atlantic provides an environment through our partnership with Sullivan’s Island that not many other warfare centers can offer,” said Cliff Hunt, NIWC Atlantic senior scientific technical manager for assured communications. “In the Lowcountry, we have protected harbors and can provide industry, government innovators and Sailors the unique ability to get out into deep water quickly.”

NIWC Atlantic has routinely conducted testing on Sullivan’s Island in recent years. Navy leaders said military radios used during Southern Lightning did not interfere with other frequencies or electronic communications in the area.

Christian Martin, a NIWC Atlantic engineer who helped lead Southern Lightning, said the MOC and the maritime environment in and around Sullivan’s Island really helps Navy scientists and engineers think outside the box and figure out how the communication architecture in the unmanned arena can be conceived and rapidly developed for the warfighter.

“In a nutshell, everything NIWC Atlantic is involved in centers around assured and resilient communications across all domains, especially the littoral environment,” Martin said. “It is the exceptional community of Sullivan’s Island that has been a key enabler for this, helping us advance critical capabilities to our Sailors and Marines.”

About NSWC Crane NSWC Crane is a naval laboratory in Crane, Indiana, and a field activity of Naval Sea Systems Command (NAVSEA) with mission areas in Expeditionary Warfare, Strategic Missions and Electronic Warfare. The warfare center is responsible for multi-domain, multi-spectral, full life cycle support of technologies and systems enhancing capability to today’s warfighter.

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