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:
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 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.
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:
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.
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:
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 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.
SULLIVAN'S ISLAND, S.C. (WCIV) — People across the nation made a splash along the coast this new year.Here in the Lowcountry, Dunleavy's Pub on Sullivan's Island hosted its 29th annual New Year's Day Polar Plunge. Plungers dove into 2024 and in the process, helped raise nearly $17,000 for South Carolina Special Olympics.Read more: Murray-mania: Bill Murray...
SULLIVAN'S ISLAND, S.C. (WCIV) — People across the nation made a splash along the coast this new year.
Here in the Lowcountry, Dunleavy's Pub on Sullivan's Island hosted its 29th annual New Year's Day Polar Plunge. Plungers dove into 2024 and in the process, helped raise nearly $17,000 for South Carolina Special Olympics.
"This is one of my favorite parts," Special Olympics athlete Kylie MacFarland said. "I mean, everybody's donating, everybody's helping out and, and Sue's been here all helping out, so it's been a great day today."
It was a cold way to ring in the new year, all with a special cause in mind. The streets of Sullivan's Island were packed with polar plungers ready to make that big splash.
"It was like I expected," Emma Grace Funderburk said. "Very cold, but then once I got further out and just the longer I stayed in there, the better it got."
Dunleavy's Pub has been pairing with Special Olympics South Carolina since 2003. All fundraising from the annual New Year's Day event goes directly to the organization, allowing them to support the state's over 30,000 athletes.
Here in the Lowcountry, Dunleavy's Pub on Sullivan's Island hosted its 29th annual New Year's Day Polar Plunge. (WCIV)
"It goes directly for athletes like Kylie to participate, to pay for their uniforms, to pay for their transportation, their lodging, facilities, everything that goes on for them," Executive Director for Special Olympics South Carolina Sue Maner said.
The group sold t-shirts and hats, or people could choose to sponsor athletes ahead of their upcoming seasons.
For some locals, this Sullivan's Island Polar Plunge is a tradition they can't pass up.
"My husband and I think this was year 15 and this was our girls first time," Cameron Liebetrau said.
For others, 2024 was year one, but most likely, not the last time they hit the beach on the first of the year.
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"This was a good start," Jason Phillips said. "Doing something we hadn't ever done and them getting ready to go back to school, so you know, what better way to do it."
CHARLESTON COUNTY, S.C. (WCBD) – The coastal storm sweeping the Lowcountry has caused substantial flooding in Charleston and surrounding areas.Video shows the flooding that is taking place on the Isle of Palms Breach Inlet and areas on Sullivans Island.A flash flood warning continues for Charleston County until 3 p.m. Sunday.Copyright 2024 Nexs...
CHARLESTON COUNTY, S.C. (WCBD) – The coastal storm sweeping the Lowcountry has caused substantial flooding in Charleston and surrounding areas.
Video shows the flooding that is taking place on the Isle of Palms Breach Inlet and areas on Sullivans Island.
A flash flood warning continues for Charleston County until 3 p.m. Sunday.
Copyright 2024 Nexstar Media Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
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SULLIVAN’S ISLAND, S.C. (WCSC) - Several Sullivan’s Island dog walkers and regulars are speaking up about their personal experiences with coyotes.This comes a day after town officials reported five coyote-led attacks involving dogs within the month of August.They say the wild animals has been approaching people, dogs and roaming open areas of the beach more often than usual.The Jourdan family says they experienced a too-close encounter with a coyote over the weekend.“They were out halfway to the ...
SULLIVAN’S ISLAND, S.C. (WCSC) - Several Sullivan’s Island dog walkers and regulars are speaking up about their personal experiences with coyotes.
This comes a day after town officials reported five coyote-led attacks involving dogs within the month of August.
They say the wild animals has been approaching people, dogs and roaming open areas of the beach more often than usual.
The Jourdan family says they experienced a too-close encounter with a coyote over the weekend.
“They were out halfway to the water, from the dune, so middle of the beach. And they were attacked by coyotes,” Jourdan said.
Five-year-old Willie Nelson, the Jourdan family dog, was taken by two coyotes early Saturday morning while on a walk with a babysitter.
Jourdan says it happened in broad daylight and in the middle of the beach.
He adds the family was devastated by the loss of their “wonder dog.”
“I was trying to get closure for my family’s sake, for Willie, because we weren’t even there. Which was frustrating. I crawled on my belly for over four miles between stations 26 and 28,” Jourdan said.
The attack occurred at Station 27, a part of the beach several residents have called a “breeding ground” for coyote packs.
Officials with the South Carolina Department of Natural Resources say the breed has been approaching people, dogs and roaming open areas of the beach more often.
They add that mid-summer and fall are peak active times for these animals, meaning it is when coyotes migrate to new spaces, feed and have young.
SCDNR officials say another reason for the increased interactions could be from them being opportunistic feeders, meaning they will be quick and take anything they need.
Others say they have been chased by coyotes in the past but escaped.
“We were walking in June when a coyote came out of the dunes and started chasing,” Sullivan’s regular Shelly Carson said. “I was able to chase it away, and it ran down the beach to chase a golden retriever.”
Now, they avoid the area altogether or take proactive measures to be able to walk safely.
“I’ve always known there are coyotes here,” Carson said. “Never seen one until this year. Really, March was the first time I had my first sighting and started carrying pepper spray on the beach. In June I started carrying a birdie alarm. And now I carry a stick with me too.”
Visitors are asking for help from officials to curb the problem.
“It’s close to our hearts, but the coyote system is unfortunately not something that is new, declining or lessened. Rather the opposite,” Jourdan said.
They ask for coyote population control, area management and listening to residential concerns.
Town officials say they do have systems in place to manage the problem, which include education, tracking, hazing and lethal control.
They ask anyone who experiences an encounter or sighting to report the problem immediately.
If you run into a coyote, you’re advised to react loudly, throw small sticks or cans or spray the animal with water.
For more information on coyotes along Sullivan’s Island, click here.
Copyright 2023 WCSC. All rights reserved.
Visiting South Carolina is like stepping into a welcomed tapestry of history, natural beauty, and warm hospitality. From the charming cobblestone streets of Charleston to the breathtaking vistas of the Blue Ridge Mountains, this vibrant state offers many experiences for every type of traveler. With its vibrant cities, quaint towns, and welcoming locals, South Carolina invites visitors to embrace its Southern charm and create memories that will last a lifetime. With a state with as much diversity and offerings as South Carolina, it’s no...
Visiting South Carolina is like stepping into a welcomed tapestry of history, natural beauty, and warm hospitality. From the charming cobblestone streets of Charleston to the breathtaking vistas of the Blue Ridge Mountains, this vibrant state offers many experiences for every type of traveler. With its vibrant cities, quaint towns, and welcoming locals, South Carolina invites visitors to embrace its Southern charm and create memories that will last a lifetime. With a state with as much diversity and offerings as South Carolina, it’s no wonder we’ve chosen one of its small towns to feature in our Small Town Getaways series. Are you ready to explore all of the things to do in Sullivan’s Island?
Sullivan’s Island, South Carolina, is a quaint barrier island at the entrance of the Charleston Harbor with just shy of 2,000 residents. There is such a refreshing variety of things to do, you’ll never have a dull moment. Originally named O’Sullivan’s Island, this captivating destination harmoniously blends the rich heritage of the South with the idyllic charm of a coastal getaway. As soon as you step foot onto these shores, you’ll be captivated by the beauty and serene nature that encapsulates the island.
Do you love visiting and learning all about America’s small towns? Take our interactive quiz to discover which Small Town Getaway you should take this year.
Absolutely! Sullivan’s Island is definitely worth visiting for its unique blend of natural beauty, rich history, and relaxed coastal vibes. Once you figure out what to do on Sullivan’s Island, there will never be a dull moment.
While the best time of year to visit Sullivan’s Island depends on personal preference, we’re here as your premier Sullivan’s Island travel guide to help you choose what season is best for you. No matter the season, activities in Sullivan’s Island are aplenty, so let’s get to it!
Whether you’re seeking beachfront properties with stunning views or a quaint getaway with a touch of Southern hospitality, Sullivan’s Island has options to cater to various tastes. As far as Sullivan’s Island attractions go, sometimes it’s the accommodations that take the cake. What’s unique about choosing where to stay when on Sullivan’s Island is that there will be minimal if any, hotel or motel options. Your best bet is finding a charming home-away-from-home through VRBO.
Whether you’re taking a day trip to Sullivan’s Island or staying a weekend, we’ve come up with the best itinerary for you to consider. From finding out “what is Sullivan’s Island known for?” to exploring the beauty of the downtown Sullivan’s Island area, we have two full days of fun, sun, and delicious eats.
Visiting Sullivan’s Island, South Carolina is an experience of a lifetime. From sun-soaked days on the shore to immersing yourself in the island’s unique heritage, this small town offers a memorable coastal getaway for all who venture its way. Whether you’re strolling along its pristine beaches, exploring its historic landmarks like Fort Moultrie, or indulging in the local cuisine, the island offers a delightful escape from day-to-day life.
Also, you can keep learning about Sullivan’s Island courtesy of The Charleston Life’s YouTube video:
Are you ready to plan a day trip to Sullivan Island, South Carolina? Do you have your own list of things to do on Sullivan’s Island that you want to share with fellow travelers? Sound off in the comments section! Or if you want to keep learning about the best Small Town Getaways across the country, we have so many more for you to consider visiting.
Middle Street on Sullivan’s Island could look sparse in the new year. Sixteen miles of streets and roadways on the barrier island are part of Dominion Energy’s routine tree-trimming project at the start of 2024.Dominion Energy has contracted with Xylem Tree Experts to trim limbs that are within unsafe proximity to power lines, beginning Jan. 2. Work will begin near Fort Moultrie, and crews will make their way toward Breach Inlet over an eight- to 10-week period.The 16-mile collection of streets and roads on Sullivan...
Middle Street on Sullivan’s Island could look sparse in the new year. Sixteen miles of streets and roadways on the barrier island are part of Dominion Energy’s routine tree-trimming project at the start of 2024.
Dominion Energy has contracted with Xylem Tree Experts to trim limbs that are within unsafe proximity to power lines, beginning Jan. 2. Work will begin near Fort Moultrie, and crews will make their way toward Breach Inlet over an eight- to 10-week period.
The 16-mile collection of streets and roads on Sullivan’s Island is part of a larger trimming effort that spans 87 miles and includes portions of Mount Pleasant, Isle of Palms and Goat Island.
Each time a trimming project is announced, feedback and concern from residents is expected — particularly when the removal of palmetto trees is a possibility.
Sullivan’s Island is no stranger to this: the power utility had plans to remove over 200 palmetto trees on the island in 2020, but paused the effort following a meeting with the town’s mayor, Patrick O’Neil.
“We certainly understand the passion surrounding trees in the Lowcountry; we work and live here, too,” said Dominion Energy spokesman Paul Fischer. “These are our communities, as well, and we understand that, but safeguarding overhead electric lines is critical to keeping the lights on for all the customers we serve.”
About 100 palmetto trees were not cut down as a result of that meeting and continued to grow, O’Neil said. This time around, Sullivan’s Island may not get so lucky.
“We got a stay of execution for about 100 or so of them that were not definitely intruding on the required space that power lines have around them,” O’Neil said. “I’m assuming a large number of them will have to go this time, unfortunately. But you know, we’ve made it clear to them that we hope they won’t do anything more than is absolutely necessary.”
Fischer said there are currently no palmetto trees specifically targeted for removal, but the trees that pose a risk to overhead lines soon will be identified. Trees needing removal will be marked with spray paint at the base, Mark Branham, Dominion Energy forester, said during a presentation to Sullivan’s Island Town Council on Dec. 19.
“Palms are a big safety and reliability concern for us,” Branham said.
Councilmembers had concerns about how the island will look following the Jan. 2 trimming.
“To say … it was jarring and really upsetting to everyone on this island the last time this happened is an understatement,” Councilwoman Jody Latham said.
Fischer said the five-year trimming projects allow the utility to respond more quickly to power outages during weather events, like hurricanes or the recent nor’easter on Dec. 17. Towns and cities experience fewer outages following tree trimmings, Fischer said.
Many of the outages reported on Sullivan’s Island since 2019 have been momentary outages, lasting less than five minutes, Branham said. There have been three sustained outages lasting longer than five minutes over the last four years.
During the trimmings, crews remove branches that are growing toward power lines and leave branches that are growing away from the lines. Called target pruning, or directional pruning, the process accounts for anticipated growth and is less harmful to the health of the tree than “rounding over” the tree, or laterally cutting the top of the tree. Palmetto trees cannot be directionally pruned because of the way the fronds grow.
Immediately after the trimming, the appearance of trees can be shocking.
“While it can look different immediately following a cycle, we know based on our history and our need to return every five years that those canopies fill back in rather quickly in the Lowcountry, particularly with our approximately 300 days of a growing season,” Fischer said.