Your Path to Homeownership Starts Here - Expert Mortgage Assistance

Head-bottom

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.

Contact Us For Service !

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 Sumter, 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.

Mortgage Company Sumter, SC
Mortgage Lending Service Sumter, 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 Sumter, SC
Refinances Sumter, 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 Sumter, 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.

What Clients Say About Us

Mission One Mortgage: Turning Dreams into Reality, One Mortgage at a Time

Head-bottom

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 Sumter, 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
Cash Out Refinance Sumter, SC

Latest News Near Me Sumter, SC

Woodlawn fire burns 632 acres in South Carolina

(WACH) — Firefighters from the U.S. Forest Service and several partner agencies have made significant progress on the Woodlawn Fire burning in southern McCormick County.The wildfire, now estimated at 632 acres, is burning on Sumter National Forest and South Carolina Department of Natural Resources land, about six miles north of Evans, Georgia. Officials said about 40 firefighters are working to contain the blaze.The fire is burning in heavy, dead, and fallen debris left by Hurricane Helene, making it difficult for crews t...

(WACH) — Firefighters from the U.S. Forest Service and several partner agencies have made significant progress on the Woodlawn Fire burning in southern McCormick County.

The wildfire, now estimated at 632 acres, is burning on Sumter National Forest and South Carolina Department of Natural Resources land, about six miles north of Evans, Georgia. Officials said about 40 firefighters are working to contain the blaze.

The fire is burning in heavy, dead, and fallen debris left by Hurricane Helene, making it difficult for crews to access the area, according to officials.

An aircraft was used on Saturday for strategic firing operations, bringing the fire to roadways where crews could more safely suppress it.

Officials said on Sunday that firefighters are focusing on securing control lines along the fire’s perimeter, extinguishing burning material threatening containment, and using a masticator to grind debris along control and contingency lines to reduce hazardous fuels.

Light rain is expected Sunday afternoon and tomorrow, followed by higher winds. There are currently no evacuations, and no structures are threatened, officials said.

Drivers should be cautious on Woodlawn Road and Highway 28, where visibility is reduced by smoke. Officials said there are currently no evacuations and no structures are threatened.

Smoke will continue to be visible in nearby communities, including Modoc and Clarks Hill in South Carolina. Smoke is also visible in Martinez, Evans, and Augusta in Georgia.

People should not fly drones near the wildfire, officials said they are dangerous to firefighters and public safety. If drones are seen, firefighting aircraft will be grounded, delaying response efforts.

The Woodlawn Fire was found around 6 p.m. Friday. Officials said the cause remains unknown.

The U.S. Forest Service is working with the South Carolina Forestry Commission, South Carolina Department of Natural Resources, and the Clarks Hill Fire Department.

‘Ringleader’ already in prison for multimillion SC Medicaid scheme receives more prison time

GREER, S.C. (FOX Carolina) - The United States Attorney’s Office said a Greer man has been sentenced to federal prison for wire fraud and money laundering related to CARES Act fraud.Officials said 54-year-old Jonathan Wade Sumter will serve 80 months in prison, followed by a three-year term of court-ordered supervision.According to the US Attorney’s Office, evidence revealed that between June 2020 and Jan. 2022, Sumter, his twin brother Jason Elijah Sumter, and Gerothia McCullough came up with a scheme to defraud th...

GREER, S.C. (FOX Carolina) - The United States Attorney’s Office said a Greer man has been sentenced to federal prison for wire fraud and money laundering related to CARES Act fraud.

Officials said 54-year-old Jonathan Wade Sumter will serve 80 months in prison, followed by a three-year term of court-ordered supervision.

According to the US Attorney’s Office, evidence revealed that between June 2020 and Jan. 2022, Sumter, his twin brother Jason Elijah Sumter, and Gerothia McCullough came up with a scheme to defraud the Paycheck Protection Plan and Economic Injury Disaster Loan programs by applying for funds on behalf of sham or defunct companies.

Officials went on to say that Jonathan and the others submitted applications containing phony company expenses, employee wage statements, and other false documents on behalf of the following companies:

Using these fraudulent applications, they obtained over $1.8 million of EIDL and PPP payments, officials said.

“Jonathan Sumter was the ringleader and submitted the applications on behalf of and with the permission of the others,“ the US Attorney’s Office said. ”When the loans were funded, the three split the proceeds.”

Officials mentioned that Sumter’s sentence will run concurrently with a 92-month sentence he was already serving for a 2023 federal conviction for health care fraud.

To recover ill-gotten gains from the defendants, officials said Jonathan Wade Sumter was ordered to pay $1,802,741 in restitution. Jason Elijah Sumter was ordered to pay $739,786 in restitution and he was ordered to forfeit a parcel of real property in Orangeburg County. Gerothia McCullough was ordered to pay $478,366 in restitution and she was ordered to forfeit a 2018 GMC Canyon.

Feel more informed, prepared, and connected with FOX Carolina. For more free content like this, .

Public hearings set for proposed 1,700-acre solar farm in Sumter County

A state review is underway for the White Palmetto Solar Project near Sumter as residents raise concerns ahead of a Public Service Commission hearing.REMBERT, S.C. — Residents in Sumter County will soon have another chance to weigh in on a proposed solar farm that could cover more than 1,700 acres.The White Palmetto Solar Project is being proposed by TOCE SC Solar One LLC and would be built near Borden Road and Black River Road, about 12 miles northwest of the City of Sumter near the Lee County line.According to the...

A state review is underway for the White Palmetto Solar Project near Sumter as residents raise concerns ahead of a Public Service Commission hearing.

REMBERT, S.C. — Residents in Sumter County will soon have another chance to weigh in on a proposed solar farm that could cover more than 1,700 acres.

The White Palmetto Solar Project is being proposed by TOCE SC Solar One LLC and would be built near Borden Road and Black River Road, about 12 miles northwest of the City of Sumter near the Lee County line.

According to the developer, the project would produce clean energy while generating about $765,000 in tax revenue each year.

The proposal has faced strong opposition from some residents.

In May of last year, the Sumter City-County Board of Zoning Appeals unanimously denied the company’s request for a special exception after community members raised concerns about the project.

The developer has since appealed that decision to the state, which will now review the case.

A new public hearing will give residents the opportunity to share their concerns directly with the South Carolina Public Service Commission.

Some residents say they believe local governments should prioritize protecting communities when considering projects like this.

“So I believe that the, you know, what we expect, the citizens of the county, is for our local government whether it's city or county council to make decisions that first and foremost protect us, and I believe that that will be something that will be, you know, in jeopardy it would if this, if this goes through, it will allow anyone to come in with any industrial type facility,” said Sumter resident Traci Rogers.

Others say they are encouraging more residents to learn about the proposal and get involved in the process.

“We’re making sure that the community is aware, getting the community involved, not only in this area of Rembert, but the Bordon area, where this is expected, but to make the whole town aware because it could be coming to their back door next,” said resident Serena Cook.

State leaders say they are aware of the concerns raised by residents and are monitoring the situation as the state review process moves forward.

“What I am going to do, and this is my promise to everyone is to stay out of it and just watch and learn this process the best I can so that on the other side of it we can craft legislation to make sure that sufficient legislation protections are in place across the state and then look out for them and build up on them if they so choose,” said Sen. Jeff Zell.

A public hearing will be held Wednesday, March 18 at 6 p.m. at Patriot Hall in Sumter. Another in-person hearing is scheduled for March 25 in Columbia, along with virtual options for residents who want to provide comments.

After the hearings conclude, the Public Service Commission is expected to issue a final decision by June 1.

Sumter native to be next Sumter School Superintendent

Dr. Gerald Gary has been offered the job as the new Sumter School District superintendent.SUMTER, S.C. — Sumter School District announced in their meeting this evening they had picked a new superintendent.The Board of Trustees unanimously selected Dr. Gerald Gary as Sumter School District Superintendent pending successful negotiations.Gary is a Sumter native.The decision comes just days after the district wrapped up community meet and greets with the finalists last week.Dr. Gerald Gary born at Tuomey ...

Dr. Gerald Gary has been offered the job as the new Sumter School District superintendent.

SUMTER, S.C. — Sumter School District announced in their meeting this evening they had picked a new superintendent.

The Board of Trustees unanimously selected Dr. Gerald Gary as Sumter School District Superintendent pending successful negotiations.

Gary is a Sumter native.

The decision comes just days after the district wrapped up community meet and greets with the finalists last week.

Dr. Gerald Gary born at Tuomey Hospital, and a product of Sumter schools. Both of his parents were career educators. He attended Willow Drive Elementary School and Bates Middle School and graduated from Sumter High School in 1994. Members of Dr. Gary’s family reside in Sumter, and he continues to attend St. Luke A.M.E. Church.

Dr. Gary currently serves as Chief Operations Officer of Lexington-Richland School District Five, a cabinet-level position he has held for approximately one year. In this role, he oversees facilities, transportation, technology, and student nutrition services for the district’s 27 schools and 16,400 students. He has also been actively involved in long-range and strategic planning with district-level staff for several years.

Previously, Dr. Gary served for 13 years as an elementary, middle, and high school principal in Lexington-Richland School District Five and for six years as an elementary principal in Kershaw County School District. He also has classroom teaching experience in Richland School District Two and taught summer school in Sumter for one year.

In his current role, Dr. Gary is leading preparations for a significant change to school attendance zones and overseeing $240 million in construction projects. He has also taught school finance for 10 years as a faculty member of the South Carolina Executive Institute for Education and Leadership. Additionally, having worked in districts with significant military populations, Dr. Gary is keenly attuned to the needs of students from military families.

Sumter County, SC – Man Arrested After Alleged Burglary on Cains Mill Road

SUMTER COUNTY, S.C. – A Sumter man was arrested early Monday after deputies allegedly found him hiding on a property that had just been burglarized.According to the Sumter County Sheriff’s Office, deputies responded around 3 a.m. Monday to a home on Cains Mill Road after a homeowner reported seeing a suspicious person on a video surveillance camera outside the residence.Dispatchers alerted deputies to the scene following the call, and responding off...

SUMTER COUNTY, S.C. – A Sumter man was arrested early Monday after deputies allegedly found him hiding on a property that had just been burglarized.

According to the Sumter County Sheriff’s Office, deputies responded around 3 a.m. Monday to a home on Cains Mill Road after a homeowner reported seeing a suspicious person on a video surveillance camera outside the residence.

Dispatchers alerted deputies to the scene following the call, and responding officers began searching the area around the home.

During that search, deputies located a suspect hiding nearby and identified him as Brian O’Steen, 45, of Beulah Cutino Road in Sumter, authorities said.

Investigators say O’Steen was allegedly found with burglary tools in his possession and was taken into custody at the scene.

According to the sheriff’s office, O’Steen has been charged with:

Deputies transported O’Steen to the Sumter County Sheriff’s Office Detention Center, where he is currently being held while awaiting a bond hearing, authorities said.

The sheriff’s office did not release additional details about the alleged burglary or whether any property was taken from the home.

Home surveillance footage has increasingly played a role in identifying suspects during overnight incidents, particularly when residents are alerted to activity on their property in real time.

Incidents reported in the early morning hours can affect nearby commuters and residents as deputies respond and search surrounding areas.

The investigation remains ongoing, according to the Sumter County Sheriff’s Office.

This article was produced by a journalist and may include AI-assisted input.All content is reviewed for accuracy and fairness.Follow us on Instagram & Facebook and support local independent news.Have a tip? Message us.

Disclaimer:

This website publishes news articles that contain copyrighted material whose use has not been specifically authorized by the copyright owner. The non-commercial use of these news articles for the purposes of local news reporting constitutes "Fair Use" of the copyrighted materials as provided for in Section 107 of the US Copyright Law.
Rate And Term Refinance Sumter, SC

Service Areas