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 Sumter, 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.
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 Sumter natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Sumter, 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.
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:
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.
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.
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:
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.
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 Sumter, 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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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.
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 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:
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 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.
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Twenty-five dealers from South Carolina and North Carolina will gather at this year's 2026 Annual Sumter Coin and Currency Show sharing 56 tables on Aug. 28-29. Sumter Coin Club is excited to present this free show to the public featuring rare United States and world coins, paper money, silver and gold bullion, tokens and medals, hobby supplies and books, and other fascinating collectible items. Attendees may bring their own items for appraisals as dealers will be there to buy, sell and/or trade. Organizers are expecting 700 or more attendee...
Twenty-five dealers from South Carolina and North Carolina will gather at this year's 2026 Annual Sumter Coin and Currency Show sharing 56 tables on Aug. 28-29. Sumter Coin Club is excited to present this free show to the public featuring rare United States and world coins, paper money, silver and gold bullion, tokens and medals, hobby supplies and books, and other fascinating collectible items. Attendees may bring their own items for appraisals as dealers will be there to buy, sell and/or trade. Organizers are expecting 700 or more attendees from across S.C. and the entire Southeast.
The show will highlight an ANACS Grading & Authentication Services table for convenient on-site submissions. The American Numismatic Association will have a district representative table, along with a table for the South Carolina Numismatic Association & Midlands Coin Club (Columbia) and a table for the Camden Coin Club. A Scouting coin collecting merit badge clinic is planned for Saturday at 10 a.m. with prior registration by contacting midlandscoinclub@gmail.com.
This record-breaking historic event will take place Friday and Saturday, Aug. 28 and 29, at the spacious and beautiful Saint Mark Banquet and Conference Center at 2320 Four Bridges Road just 2 miles north of Broad Street off Camden Highway (Hwy. 521) or from points west off Stamey Livestock Road. Friday hours will be 11 a.m. to 6 p.m., and Saturday hours will be 9 a.m. to 4 p.m.
Attendance is free with required event registration just inside the main entrance; uniformed security will be on site during the entire event. Parking is free and plentiful. Free hourly attendance door prizes will be presented to winning registered guests. This event has enjoyed extensive national advertising in numismatic publications and websites for the past six months.
The nonprofit Sumter Coin Club has 115 members and averages 52 members at every monthly meeting. They meet at Sumter's gorgeous Patriot Park Pavilion, 380 General Drive, every third Tuesday from 6:30 to 8:30 p.m. All ages are welcome, with a "YN Roundtable Meeting" ("Young Numismatists") from 6:30 to 6:50 for ages 6-17. No experience is necessary, and visitors are welcome to attend the family friendly meetings. For more information, see the active Sumter Coin Club Facebook page or contact SumterCoinClub@gmail.com, or visit www.sumtercoinclub.org.
Private pilots call it “the $100 hamburger” — flying to another airport, grabbing a quick meal and then flying back. Pilots do this for fun or to log more hours in the air to get advanced licenses. But as the saying implies, the meal trips can be expensive given fuel, plane rental fees and other costs.It’s unclear whether a hamburger was involved, but one Tuesday morning last March, Sumter County Sheriff’s Capt. Chris Moore flew the department’s Cessna 172 to Wilmington, N.C., flight records show. O...
Private pilots call it “the $100 hamburger” — flying to another airport, grabbing a quick meal and then flying back. Pilots do this for fun or to log more hours in the air to get advanced licenses. But as the saying implies, the meal trips can be expensive given fuel, plane rental fees and other costs.
It’s unclear whether a hamburger was involved, but one Tuesday morning last March, Sumter County Sheriff’s Capt. Chris Moore flew the department’s Cessna 172 to Wilmington, N.C., flight records show. On social media, he posted a photo of a cloudy beach from the Oceanic, a restaurant at Wrightsville Beach, with the comment, “Little chilly.” That afternoon, he flew back to Sumter.
It wasn’t the only time Moore flew beyond Sumter County’s boundaries in the department’s plane.
On Saturday, June 27, air traffic controllers can be heard on public radio transmissions guiding Moore and the Sumter sheriff’s plane into Cape Fear Regional Jetport near the North Carolina coastal towns of Southport and Oak Island.
Moore’s wife soon posted on Facebook that he had flown her and their son to the Cape Fear area. She described how the approach “took us out 11 miles over the Atlantic Ocean off the coast of NC before we moved inland for the landing!” Her post said that a tailwind helped make the trip a speedy 50 minutes instead of the three hours it would take in a car. She included aerial photos and the hashtags #Cessna172 and #pilotwife. “What a great quick trip, just to go grab breakfast!”
Such a trip also could fly into murky ethical airspace.
South Carolina law prohibits public officials and employees from using their government positions to obtain an economic benefit for themselves, relatives or associated businesses. In a 2019 case, the state Ethics Commission cited an Upstate fire and rescue employee for using a department SUV for a Disney World vacation in Florida even though she had permission to use the vehicle. The commission issued a public reprimand and a $2,450 fine.
In response to The Post and Courier’s findings, Sumter County Sheriff Anthony Dennis said he temporarily suspended use of the plane until he better understands the procedures for passengers and costs for two of Moore’s trips. He said he plans to ask Moore to reimburse the department for those flights.
At least eight S.C. law enforcement agencies have helicopters or fixed-wing aircraft, including the Sumter County Sheriff’s Office. The agency bought its Cessna in 2013 with drug seizure money, and its aviation unit has two active pilots: Sgt. Fred Moore, a reserve deputy who has been chief pilot for more than a decade, and Capt. Chris Moore, who runs the patrol division and used the plane extensively to learn how to fly. They are not related.
In an interview, agency officials said they used the Cessna for prisoner transfers, surveillance and search-and-rescue missions. But flight logs show that the plane was used about 85 percent of the time for lessons and training.
“It's a dangerous activity if you don't stay trained up in it,” Chief Pilot Fred Moore said. “So we do a lot of training related to the aircraft.”
During the interviews, Fred Moore, the more experienced pilot, answered most of The Post and Courier’s questions, including ones about his colleague, Chris Moore. Sheriff Dennis said he’d flown in the plane only once, and that was years ago.
To get a basic pilot’s license, students must do “cross-country” flights of more than 50 miles. The plane’s flight log shows the March trip to Wilmington was done for that cross-country requirement. As for Chris Moore’s social media post from the beachside restaurant, “I think he was eating lunch,” Fred Moore said.
The cross-country requirement means pilots must go beyond the county’s boundaries, he added. “It’s pretty much your option where you pick your long cross country. So I would say the reason for picking something like that would be that it's more beautiful there than it would be in, say, Valdosta, Georgia.”
An invoice from Sumter Aviation to the department showed 4.5 hours of instructional training that day at a cost of $225 for flight instruction.
The June trip to Cape Fear was listed on flight logs as “Autopilot Test/Training/Instrument.” The log did not identify any passengers. Fred Moore said the department typically identifies only crew and prisoners and not other passengers. He said he wasn’t aware of the Facebook post that mentioned Chris Moore’s family members being aboard and that the trip was “just to grab breakfast!” An invoice shows the Sheriff’s Office was billed $175 for aviation fuel that day.
A pilot’s license and access to a plane are valuable commodities. Renting a Cessna 172 can run between $155 and $200 per flight hour, according to rates advertised by South Carolina flight schools. It costs upwards of $10,000 to get a basic license and an additional $10,000 or more to fly under instrument flight rules, which allow pilots to fly in clouds and poor visibility. Commercial licenses take even more time and money but can lead to lucrative careers.
Pilot’s licenses are costly in time as well. For a basic license, the Federal Aviation Administration requires pilots to log at least 40 hours of flight time. Records obtained by The Post and Courier show the Sumter sheriff’s plane was used heavily by Chris Moore for training and lessons. Public tracking sites show the plane flying just a handful of times in 2024. But in 2025 and 2026, the department used the plane roughly six times a month on average. Records show Chris Moore spent more than 130 hours with instructors, and these training costs exceeded $5,800.
Chris Moore has been recognized for his work ethic and approach to policing. In 2024, The Sumter Item gave Moore its “Best Law Enforcement Officer” honor in its Best of Sumter honors. In a profile, Moore told The Item that he’d long seen himself as "a big traffic enforcement guy.” He said he valued people who were dedicated to law enforcement work and didn’t make excuses. “Not saying you should come to work when you're extremely ill,” he was quoted as saying. “But sometimes, you take the needs of the office over some of your personal stuff.”
Beyond the instruction and training, several other flights went beyond Sumter County boundaries, including one last September to Ellijay, Ga., which is about an hour and a half north of Atlanta. Additional flights took the plane to Pickens County and Sarasota, Fla. Fred Moore said all three of those trips were to pick up prisoners and transport them to Sumter.
Last April, the sheriff’s plane became more difficult to follow when the agency requested that its tail number be removed from public tracking sites. Other law enforcement agencies, including the State Law Enforcement Division, S.C. Department of Natural Resources and Richland County Sheriff’s Office, don’t block flight path histories on many of their aircraft.
Fred Moore said the Sumter County Sheriff’s Office should have blocked the tail number “long before we did it. But in the interest of transparency, we did it because people were monitoring law enforcement activities.”
The department blocked the tail number at about the same time several posts about the plane surfaced on Sumter community Facebook pages. Moore said the decision to block the tail number wasn’t related. “We don’t respond to social media.”
But the plane surfaced in social media channels a month after the department blocked its tail number. On June 10, the Cessna 172 left Sumter and flew to Manning. Though it didn’t have a tail number, flight tracking data showed an unidentified Cessna 172 landing in Manning and flying over Lake Marion. The log book for the sheriff’s plane listed its mission as “Training/Flight Maneuvers/Landings.” No passengers were identified. The Sheriff’s Office was charged $96.21 for fuel, records show.
In a Facebook post, Chris Moore’s father had this explanation:
“Special treat today! I got to go flying with my son and youngest grandson,” the post said. A photo showed the three of them in the plane, smiling, with the interior matching the sheriff’s plane. “I had a great time,” the post continued. “We flew in a Cessna 172 over my house and around Lake Marion. He picked me up at the Manning airport after flying from Sumter. I was too busy watching than (sic) to take many pictures but did get a short video approaching Manning and the landing. Can’t wait to do it again.”