Your Path to Homeownership Starts Here - Expert Mortgage Assistance

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We know that many home loan officers have horrible reputations. Some brokers only see their clients as transactions, and a means to make quick money. They come off as impatient and pushy, failing to understand that this is a very big decision for you. At Mission One Mortgage, we take the opposite approach. We encourage our clients to take as much time as needed to ask us questions and review mortgage documents. We could say that our mission is to exceed your expectations, but we'd rather just show you. From assistance finding FHA, VA, or other loans to refinancing your current mortgage, Mission One is the team you can trust.

Here are just a few reasons why home buyers choose Mission One Mortgage:

No Additional Fees

No Additional Fees- Providing our client's services free of charge, using a mortgage broker like Mission One Mortgage can help you scout the best price on loans without a hefty price tag.

Access to 50 Lenders

Access to 50 Lenders- With access to a range of loans and interest rates available, Mission One Mortgage can shop for the best loans for your unique needs.

Accessible to Our Clients

Accessible to Our Clients- Providing a transparent and communicative service to all our clients, Mission One Mortgage ensures all phone calls are answered or returned in a timely manner.

Setting You Up for Success

Setting You Up for Success- Helping you prepare all your documents for pre-approval and the loan application, Mission One Mortgage will provide you with all the necessary information to secure the best loan.

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Free Consultation phone-number (843) 822-5685

To understand the benefits of working with a mortgage broker, you must first understand their role in the home-buying process.

What Does a Mortgage Broker Do?

Your mortgage broker is a third party that works to connect you with mortgage lenders. Essentially, a mortgage broker works as an intermediary between a person who wants to buy a home and the entities offering loans to buy a home. The mortgage broker works with both the borrower and lender to get the borrower approved. They also verify and collect paperwork from the borrower that the lender needs to finish a home purchase. Typically, mortgage brokers have relationships with several home loan lenders. Mission One Mortgage, for example, has access to 50 different lenders, which gives us a wide range of home loans in 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.

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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

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Here at Mission One Mortgage, we believe that the best communities begin with the dream of home ownership. Our mission is to make those dreams come true, with personalized service, expert guidance, and good old-fashioned hard work. As one of the most trusted mortgage companies in 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
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Latest News Near Me Sumter, SC

DPH confirms case of measles in Sumter County, more possible exposure

COLUMBIA, S.C. (WIS) - The South Carolina Department of Public Health confirmed a case of measles in part of the Midlands.DPH said Tuesday that the case was reported in Sumter County. Officials also noted that it’s not clear if it is linked to the ongoing measles outbreak in the Upstate, primarily centered in Spartanburg County.It’s the first case reported outside of the Upstate since the outbreak began in late 2025.The agency also identified three possible places where others could have been exposed in the S...

COLUMBIA, S.C. (WIS) - The South Carolina Department of Public Health confirmed a case of measles in part of the Midlands.

DPH said Tuesday that the case was reported in Sumter County. Officials also noted that it’s not clear if it is linked to the ongoing measles outbreak in the Upstate, primarily centered in Spartanburg County.

It’s the first case reported outside of the Upstate since the outbreak began in late 2025.

The agency also identified three possible places where others could have been exposed in the Sumter area:

DPH said it is unaware of any risk for measles exposure beyond those locations and times. Those possible exposed are asked to monitor for symptoms through Feb. 13, 14 and 15.

“Measles symptoms to watch for typically begin 7-12 days (but can occur up to 21 days) after exposure, and include cough, runny nose, and red watery eyes, and fever followed by a rash two to three days later that starts on the face then spreads to the rest of the body,” the department said.

The agency said anyone who may have been exposed and develops a fever, cough, runny nose or red eyes should call a healthcare provider regardless of whether they have a rash or not.

“Arrangements like the use of masks or isolating you from others in waiting areas to evaluate you without putting others at risk of exposure may be utilized. You may be asked to stay at home until the doctor clears you,” DPH said.

DPH reported 29 total new cases statewide on Tuesday, bringing the total number in the outbreak to 876. Of that number, data shows 800 were not vaccinated for measles as of Feb. 3.

This is a developing story. Stay with WIS for updates.

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Measles outbreak grows with new case, exposures in Sumter County, DPH confirms

South Carolina DPH reports 29 new measles cases, bringing the outbreak total to 876, with a new case and public exposures identified in Sumter County.COLUMBIA, S.C. — The South Carolina Department of Public Health reported 29 new measles cases statewide since Friday, bringing the total number of cases linked to the Upstate outbreak to 876.DPH said there are currently 354 people in quarantine and 22 in isolation. The latest end date of quarantine for those individuals is February 24.Health officials also confirmed a...

South Carolina DPH reports 29 new measles cases, bringing the outbreak total to 876, with a new case and public exposures identified in Sumter County.

COLUMBIA, S.C. — The South Carolina Department of Public Health reported 29 new measles cases statewide since Friday, bringing the total number of cases linked to the Upstate outbreak to 876.

DPH said there are currently 354 people in quarantine and 22 in isolation. The latest end date of quarantine for those individuals is February 24.

Health officials also confirmed a measles case in a Sumter County resident. They say they do not confirm specific numbers of cases when there is less than five, but they do say there are less than five in the county.

At this stage of the investigation, DPH said it is not yet clear whether the case is connected to the Upstate outbreak centered around Spartanburg County or if the person may have been exposed in another area where measles is circulating.

DPH has identified several locations in Sumter County where exposure to infectious measles may have occurred. The agency has defined the potential exposure windows at the following locations:

DPH said it is not aware of any risk for measles exposure at these locations outside of the listed times.

News 19 asked members of the public this afternoon how they felt about measles reaching their community.

“I feel as if each and every parent had their child immunized, and themselves, this could all be avoided, but instead they would rather not take the time out of the day and have their child immunized,” Dana Griffin said.

“I was in there earlier today and had no knowledge of the incident with the measles, and I have a four-year-old daughter, so it really does bother me. If they allow people to walk around without immunizations, then they should make a notice when someone goes in,” Dailyn Griffin said.

“My children are vaccinated and I’ve got the vaccine, so I am not necessarily worried for us, but it’s also scary because it’s an epidemic and it could become a pandemic, and that’s scary,” Kailey Davis said.

Nicky Spencer works at a business across the street from Mariachis Mexican Restaurant. This was her reaction.

“It’s just a little shocking, being that they are across the street and we see their parking lot is always flooded with people. That is just a little disturbing,” Spencer said.

People who were at the identified locations during the exposure periods, particularly those without immunity through vaccination or prior infection, are advised to monitor for symptoms through Feb. 13, Feb. 14 and Feb. 15, respectively.

Measles symptoms typically begin seven to 12 days after exposure, but can appear up to 21 days later, and include cough, runny nose, red watery eyes and fever, followed by a rash two to three days later that starts on the face and spreads to the rest of the body.

Anyone who may have been exposed and develops symptoms such as a fever of 101 degrees or higher, cough, runny nose or red eyes, with or without a rash, is urged to immediately call a health care provider and report the exposure and symptoms. DPH said providers may use precautions such as masks or isolating patients in waiting areas to prevent further exposure, and individuals may be asked to remain at home until cleared by a doctor.

DPH said vaccination remains the most effective way to prevent measles and stop the outbreak. Vaccines are available through primary care providers, pharmacies and DPH health departments.

According to DPH, of the 876 confirmed cases, 233 involve children under age 5, 555 involve children ages 5 to 17, 71 involve adults 18 and older, and 17 cases have unknown ages. Vaccination data show 800 cases are unvaccinated, 16 are partially vaccinated, 22 are vaccinated and 38 have unknown vaccination status.

Sumter County, SC – Winter Driving Safety Alert: Deputies Report Icy Roads Across County; Stress Caution Today

Sumter County, SC – Drivers across Sumter County are being urged to use extreme caution today after sheriff’s deputies reported widespread snow-covered and icy road conditions at multiple locations Wednesday morning.According to the Sumter County Sheriff’s Office, deputies conducted road checks and shared photos from several major routes and intersections, showing packed snow, visible tire ruts, and slick surfaces that could make stopping and turning difficult.Road condition r...

Sumter County, SC – Drivers across Sumter County are being urged to use extreme caution today after sheriff’s deputies reported widespread snow-covered and icy road conditions at multiple locations Wednesday morning.

According to the Sumter County Sheriff’s Office, deputies conducted road checks and shared photos from several major routes and intersections, showing packed snow, visible tire ruts, and slick surfaces that could make stopping and turning difficult.

Road condition reports were posted from Pinewood and Kingsbury, 521 South near Britton, Wedgefield at Lynum, Wedgefield and Pitts, and Wedgefield at Oakland. Images show untreated roadways with snow accumulation extending across travel lanes, shoulders, and intersections, including areas controlled by traffic signals and yield signs.

Authorities say rural routes and less-traveled roads may be especially hazardous due to limited treatment and lingering ice, particularly during the early morning hours when temperatures remain below freezing. Even as skies appear clear, shaded areas and bridges may stay slick longer than expected.

Officials are advising motorists to slow down, increase following distance, and avoid unnecessary travel until road conditions improve. Drivers are also reminded to watch for emergency vehicles and road crews working in affected areas.

No crashes or injuries were immediately reported in connection with the road conditions, but deputies emphasized that conditions can change quickly as temperatures fluctuate.

Residents are encouraged to monitor official updates from the Sumter County Sheriff’s Office and local emergency management for the latest road and weather advisories.

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 for more relevant news stories and SUPPORT LOCAL INDEPENDENT NEWS! Have a tip? Message us!

Sumter County, SC – Traffic Alert: Sheriff Issues Road Warning; Icy Conditions on Hwy 521 Today

Sumter County, SC – Drivers traveling through northern Sumter County are urged to use extreme caution today after deputies reported icy and snow-covered road conditions along a key highway corridor.According to the Sumter County Sheriff’s Office, hazardous conditions were observed on Highway 521 North near Highway 441, in the North Spencer area, as winter weather left portions of the roadway slick and partially snow-covered. A road report image shared by t...

Sumter County, SC – Drivers traveling through northern Sumter County are urged to use extreme caution today after deputies reported icy and snow-covered road conditions along a key highway corridor.

According to the Sumter County Sheriff’s Office, hazardous conditions were observed on Highway 521 North near Highway 441, in the North Spencer area, as winter weather left portions of the roadway slick and partially snow-covered. A road report image shared by the agency shows ice buildup and reduced traction, particularly along travel lanes.

Officials warned that conditions may be especially dangerous during the early morning hours, when temperatures remain low and ice is slower to melt. Even treated roads can remain slippery, particularly on bridges, shaded areas, and elevated surfaces.

Motorists traveling through Sumter County, located northeast of Columbia and within South Carolina’s Midlands region, are advised to reduce speed, increase following distance, and avoid sudden braking. Authorities also recommend delaying travel if possible until road conditions improve.

No crashes or injuries were immediately reported in connection with the icy stretch, but deputies emphasized that conditions can change quickly as temperatures fluctuate.

Residents are encouraged to monitor local updates from law enforcement and transportation officials before heading out. Road conditions across the county may vary, and untreated secondary roads could remain hazardous longer than main highways.

Anyone encountering dangerous road conditions is urged to report them to local authorities.

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 for more relevant news stories and SUPPORT LOCAL INDEPENDENT NEWS! Have a tip? Message us!

Sumter, SC – Stuff a Cruiser: Christmas Event Brings Nearly 100 Children Gifts

Sumter, SC – Nearly 100 children across Sumter County received Christmas presents this holiday season thanks to a community-driven effort led by the Sumter County Sheriff’s Office.According to the Sumter County Sheriff’s Office, the annual “Stuff a Cruiser for Christmas” event was held over three days and focused on collecting toys and gifts for children in need throughout the county. The initiative was made possible through a partnership with BJ’s Wholesale Club and support from lo...

Sumter, SC – Nearly 100 children across Sumter County received Christmas presents this holiday season thanks to a community-driven effort led by the Sumter County Sheriff’s Office.

According to the Sumter County Sheriff’s Office, the annual “Stuff a Cruiser for Christmas” event was held over three days and focused on collecting toys and gifts for children in need throughout the county. The initiative was made possible through a partnership with BJ’s Wholesale Club and support from local residents, businesses, and organizations.

The program invited community members to donate toys that were then distributed by deputies ahead of Christmas. Officials said the effort ensured children who may not have otherwise received gifts were able to experience the holiday.

Sumter County Sheriff Anthony Dennis praised the community response, noting that residents consistently step up when there is a need. He also highlighted the role deputies played in delivering the donated gifts, calling the outreach a meaningful way for law enforcement to give back during the holiday season.

The sheriff’s office specifically thanked Necy Bradley, Assistant Club Manager at BJ’s Wholesale Club, for hosting the event, along with several contributing organizations. Those recognized included State Tree Service, Black River Electric, and the Love Doctors Motorcycle Club, all of which donated toys or resources to support the drive.

Sheriff Dennis added that deputies were proud to take part in the effort and emphasized the spirit of generosity behind the event, saying the experience reinforced the idea that giving can be just as rewarding as receiving.

The sheriff’s office said it plans to continue community-focused programs like “Stuff a Cruiser for Christmas” in the future, encouraging residents to stay involved and support local outreach efforts throughout the year.

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 for more relevant news stories and SUPPORT LOCAL INDEPENDENT NEWS! Have a tip? Message us!

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