Your Path to Homeownership Starts Here - Expert Mortgage Assistance
Mortgage Broker in Summerville, 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 Summerville, 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 Summerville natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Summerville, 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 Summerville, SC
- The Mission One Mortgage Difference
- Why Should I Work with a Mortgage Broker in Summerville, 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 Summerville, 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 Summerville, 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 Summerville, 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 Summerville, 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 Summerville, 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 in Summerville, SC
Summerville’s Flowertown Festival returns; here’s what to know before you go
Tiana Maxwellhttps://www.live5news.com/2025/04/04/summervilles-flowertown-festival-returns-heres-what-know-before-you-go/
SUMMERVILLE, S.C. (WCSC) - Thousands are expected to head to the 52nd annual Summerville Family YMCA Flowertown Festival.Historic downtown Summerville will be filled with bustling crowds, vendors and local artisans for the three-day festival. Visitors are getting the chance to see the flowers in Flowertown as the seasonal bloom of Azalea flowers hits its peak.Blooming flowers are not the only sight to see.Organizers with the Summerville YMCA are hosting the largest numbers of vendors this year with over 400 stalls. A new...
SUMMERVILLE, S.C. (WCSC) - Thousands are expected to head to the 52nd annual Summerville Family YMCA Flowertown Festival.
Historic downtown Summerville will be filled with bustling crowds, vendors and local artisans for the three-day festival. Visitors are getting the chance to see the flowers in Flowertown as the seasonal bloom of Azalea flowers hits its peak.
Blooming flowers are not the only sight to see.
Organizers with the Summerville YMCA are hosting the largest numbers of vendors this year with over 400 stalls. A new pickleball bar is also available for visitors this year. The estimated 250,000 festival goers can expect gem mining and kangaroo photos by Crosswind Farm and a Plinko board game by Publix. The Oscar Mayer Wienermobile will be hanging around Saturday.
The Summerville YMCA is showing off their newest “Y on the Fly” van. The van comes from $50,000 in grant funding from Boeing.
Plans for the van include traveling to communities for community health programs and recreational sports. The Lowcountry Food Bank will partner with the YMCA to distribute food boxes to local rural communities. Families can also sign up for volunteer opportunities on the van.
The weekend-long event is the biggest fundraiser for the YMCA location.
The funds go toward those health and wellness programs and other causes, including the community health program, allowing children to participate in recreational sports and family memberships.
The event’s fundraising efforts date back to 1973 with the first ever festival when a small group of women fundraised for the original YMCA with a small arts and crafts event.
Summerville locals and tourists visiting the weekend-long event are not allowed to smoke, bring pets or use drones.
Parking is available in the surrounding vicinity and side roads as well as in free and pay-to-park lots.
Maps, vendors, parking and restroom information are on the Summerville Family YMCA website.
The festival will be open from 9 a.m. to 6 p.m. Saturday and Saturday. Visitors can enjoy the festival from 9 a.m. to 4 p.m. Sunday.
Copyright 2025 WCSC. All rights reserved.
First Ever Shuckin’ Shack Franchise Location Celebrates 10th Anniversary in Summerville, South Carolina
Morgan Woodhttps://1851franchise.com/shuckinshack/shuckin-shack-franchise-10-year-anniversary-summerville-2729157
SUMMERVILLE, S.C. — Jason Thorpe, the Franchise Partner who opened Shuckin’ Shack Oys...
SUMMERVILLE, S.C. — Jason Thorpe, the Franchise Partner who opened Shuckin’ Shack Oyster Bar’s first franchised location in Summerville, South Carolina is celebrating a decade in the community. What started as the debut franchise unit for the brand has grown into a local favorite and flagship success story — and Thorpe is only getting started.
To commemorate the occasion, Thorpe is planning a week of specials, culminating in a 10-Year Anniversary Party on Sunday, April 27 from 2-5 p.m., featuring live music and a street celebration in front of the Shack.
Thorpe’s journey with the brand began in 2014 when he signed his franchise agreement and began developing the Summerville Shuckin’ Shack, which would open in April 2015. Since then, he has grown into a high-performing franchisee, opening a second location in West Ashley, South Carolina with plans to launch a third in the near future.
“When we opened Summerville, it really took off,” Thorpe said. “We were blessed; we got really lucky. Everything went well.”
Through his decade with the brand, Thorpe has consistently reaffirmed just how important community involvement is, noting just how impactful a hands-on, community-focused approach can be in the early days of operations.
“Jason is a shining example of what’s possible with the Shuckin’ Shack model — passionate ownership, community connection and strategic growth,” said Jonathan Weathington, CEO of Shuckin’ Shack. “Celebrating this 10-year milestone with him is a celebration of everything our franchise system is built on.”
ABOUT SHUCKIN’ SHACK:
Offering a “lifestyle experience,” Shuckin’ Shack Oyster Bar creates an environment that encourages guests to grab a seat, relax and take their taste buds on a trip to the coast; after all, life is too short for bland drinks and boring bars! The original Carolina Beach, NC Shack, which was just 900-square-feet, was launched in 2007 with a plan to become the go-to local hangout for people of all ages. A place where friends and family can enjoy fresh, delicious meals, cold beer, and craft cocktails in an environment that exudes fun and relaxation, Shuckin’ Shack offers exceptional seafood and creative drinks that will make guests question why they ever settled for ordinary bar offerings.
Thanks to its bold flavors and impeccable vibes, Shuckin’ Shack has continued to grow. In 2014, the brand began franchising and has since expanded to 17 units across six states. To learn more about Shuckin’ Shack, visit http://www.theshuckinshack.com.
The cost to open a Shuckin’ Shack franchise ranges from $472,000 to $1,416,420. For more information visit: www.theshuckinshack.com.
AcutePet Urgent Care Opens in Summerville, SC - Bringing Affordable Emergency-Level Care to Local Pet Owners
Morningstar.comhttps://www.morningstar.com/news/accesswire/1024761msn/acutepet-urgent-care-opens-in-summerville-sc-bringing-affordable-emergency-level-care-to-local-pet-owners
New location offers extended hours and same-day urgent care for pets-seven days a week.SUMMERVILLE, SOUTH CAROLINA / ACCESS Newswire / May 7, 2025 / AcutePet Urgent Care is proud to announce the opening of its second South Carolina location in Summerville. Convenient...
New location offers extended hours and same-day urgent care for pets-seven days a week.
SUMMERVILLE, SOUTH CAROLINA / ACCESS Newswire / May 7, 2025 / AcutePet Urgent Care is proud to announce the opening of its second South Carolina location in Summerville. Conveniently located at 143 Berkeley Circle-just off Old Light Road, near the cut-through to Nexton and close to Azalea Square-this new facility offers same-day, emergency-level veterinary care in a calm, urgent care setting.
AcutePet Urgent Care Summerville, SCAcutePet Urgent Care location in Summerville, SC now open
Open seven days a week from 10 a.m. to 10 p.m., AcutePet is committed to supporting pets and their owners during unexpected emergencies. Founded by Dr. David Sachs and Dr. Doug Hoffman, AcutePet's mission is to make high-quality veterinary care more accessible and affordable.
"Our goal with AcutePet is to provide immediate care for pets while supporting the veterinary profession we've dedicated ourselves to for over 30 years," said Dr. David Sachs, co-CEO of AcutePet. "This new location in Summerville allows us to continue that mission-offering compassionate, high-quality urgent care in a way that's both affordable and convenient for pet owners."
Dr. Doug Hoffman, co-CEO of AcutePet, added, "The Summerville community, local pet owners, and nearby businesses have been incredibly welcoming. We truly felt the excitement during our recent ribbon-cutting ceremony, which was attended by the Summerville Chamber of Commerce, neighboring businesses, our staff, family, and friends. We are honored to be part of this community and to provide immediate, affordable care for pets in need."
With more than 60 years of combined experience in the veterinary field, Drs. Sachs and Hoffman understand the critical importance of affordable, timely, accessible care. Modeled after human urgent care clinics, AcutePet provides trusted, same-day and walk-in services staffed by an experienced and compassionate team-so your pet can feel better, faster. The facility features on-site lab services, digital imaging, and outpatient anesthetized procedures, all using advanced monitoring equipment.
AcutePet currently operates locations in Beavercreek, OH; West Chester, OH; Bellevue, KY; Mount Pleasant, SC; and now Summerville, SC, with a new clinic planned for Voorhees, NJ in 2025.
For more information or to schedule a visit, please go to www.acutepeturgentcare.com.
Contact Information
Stephanie Serraino
513-836-8425
SOURCE: AcutePet Urgent Care
View the original press release on ACCESS Newswire
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