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

Bus driver shortage impacts Sumter County families

A nationwide school bus driver shortage is causing major transportation delays in Sumter County, leaving parents frustrated and students waiting in the cold.SUMTER, S.C. — A nationwide shortage of school bus drivers is creating challenges for families in Sumter County, leading to late arrivals, long waits and, in some cases, missed classes.Parents say routes that once ran on schedule are now unpredictable.One mother of two girls who attend Millwood Elementary said she’s had to rearrange her mornings due to bu...

A nationwide school bus driver shortage is causing major transportation delays in Sumter County, leaving parents frustrated and students waiting in the cold.

SUMTER, S.C. — A nationwide shortage of school bus drivers is creating challenges for families in Sumter County, leading to late arrivals, long waits and, in some cases, missed classes.

Parents say routes that once ran on schedule are now unpredictable.

One mother of two girls who attend Millwood Elementary said she’s had to rearrange her mornings due to bus delays.

“It's very cold early in the morning and being that the weather has changed outside it's affecting the kids and they just sit at the bus stop waiting for when the bus is going to arrive and sometimes we are out there for over 30 minutes,” she said.

Marlon Dantzler, director of transportation for Sumter School District, said the problem is part of a larger national crisis.

“So we are having some challenges right now with transportation due to driver shortage,” Dantzler said. “Of course since the beginning of the school year we’ve lost seven drivers across the district so that has made a major impact on getting our students back and forth to school.”

Currently, Dantzler said about 150 school staff members are filling in as substitute bus drivers while the district looks to hire 15 full-time drivers.

“We have coaches that still help us drive part time, we have folks that drive activities so we do everything for the district with those same drivers so they are being pulled however, whenever,” he said.

To help families stay informed, the district is encouraging parents to use the “Parent App,” a two-way communication tool that tracks school bus routes in real time.

District officials are asking parents to remain patient as they work to stabilize transportation services.

If you or anyone you know is interested in applying to become a bus driver, visit here, for more information.

Sumter affordable housing project converts abandoned building into 50-unit complex

SUMTER, S.C. (WIS) - Construction sounds fill the air on Magnolia Street as work continues on a new affordable housing project aimed at addressing South Carolina’s growing housing crisis.The Magnolia Arbor Apartments will transform what was once an abandoned building into a 50-unit complex featuring one, two and three-bedroom options, along with a ground-floor bakery and other amenities. The more than $16 million development is expected to open in fall 2026.“That need just keeps growing and growing, and we’re ...

SUMTER, S.C. (WIS) - Construction sounds fill the air on Magnolia Street as work continues on a new affordable housing project aimed at addressing South Carolina’s growing housing crisis.

The Magnolia Arbor Apartments will transform what was once an abandoned building into a 50-unit complex featuring one, two and three-bedroom options, along with a ground-floor bakery and other amenities. The more than $16 million development is expected to open in fall 2026.

“That need just keeps growing and growing, and we’re doing the best we can to provide that need,” said Kevin Connelly, the project’s developer.

Rent will range from $115 to $850 per month, depending on the applicant’s income and household size. The lower rates are made possible through state and federal tax credits.

Richard Hutto with South Carolina State Housing said the project uses multiple funding sources to address the statewide housing shortage.

“There was actually the Home Program funds in this property as well which is a federal program, and then the abandoned building credits. It just all came together,” Hutto said. “As we’re looking at creating discounted capital for developers to build, what we’re doing is buying rents down through that discounted capital.”

The apartments will target families below the average income level. Neighbor Reynard Whittleton said the development is needed now more than ever.

“It’s heartbreaking. I just hope the families get the help they need,” Whittleton said.

Feel more informed, prepared, and connected with WIS. For more free content like this, subscribe to our , and . Have feedback that can help us improve? .

WATCH US LIVE

Watch WIS live during newscasts and Soda City Living in the livestream player below. When WIS is not on the air, the player will feature Gray Media’s Local News Live.

Santee Print Works to close after more than 70 years in Sumter

Santee Print Works, a longtime Sumter textile plant, will shut down Dec. 20 after 76 years, citing global competition and a shrinking customer base.SUMTER, S.C. — After more than seven decades in business, a longtime Sumter textile manufacturer is shutting down.Santee Print Works has been a fixture in the community since the late 1940s. But after more than 76 years, the company says it will close its doors for good this December.Company officials confirmed to News19 that employees and state labor agencies were noti...

Santee Print Works, a longtime Sumter textile plant, will shut down Dec. 20 after 76 years, citing global competition and a shrinking customer base.

SUMTER, S.C. — After more than seven decades in business, a longtime Sumter textile manufacturer is shutting down.

Santee Print Works has been a fixture in the community since the late 1940s. But after more than 76 years, the company says it will close its doors for good this December.

Company officials confirmed to News19 that employees and state labor agencies were notified on Monday, October 20, about the closure, which is set for December 20.

Administrator Everette Harrington said in a statement that the closure was due to global competition and a shrinking customer base.

“A decision to close in the next few months was a hard and disappointing one for ownership to make. Santee has done all they could to keep the plant going," Harrington said. "Due to the textile market, customer base which has not been there for quite a while, this is why the decision to close has been decided.”

Documents filed with the state’s employment agency show that approximately 140 employees will be affected by the closure.

Nearby businesses say they’re shocked by the announcement and concerned about what it means for the workers who will soon be out of a job.

“That is super unfortunate anytime you hear about a business closing. Its not good, especially a staple of Sumter, and its right there at Christmas, so I hope they have something in place for the employees to help them get through the holidays,” said Sumter resident Samantha Geddings.

“Well, I’ve been at Sylvia Jo’s for eight years, and we’ve been next to Santee’s and passed by there since I was a child. I’ve had many family members who’ve worked there come and eat with us and some who retired come eat. It's sad to see another Sumter business close and with the holidays, I feel bad when anyone loses their jobs,” said Amber Spencer, owner of Sylvia Jo’s Diner.

It is unknown at this time what will happen to the Santee Print Works facility following its closure in December.

Ridge View vs Sumter Live – Gamecocks Host Blazers in South Carolina Conference Clash

Sumter (7–1) hosts Ridge View (6–2) Friday night at 7:30 p.m. in SumterThe Ridge View vs Sumter Live matchup features the Sumter Gamecocks hosting the Ridge View Blazers at Sumter-Memorial Stadium in Sumter, SC. Kickoff is scheduled for 7:30 p.m. on Friday, Oct. 24, 2025, with live streaming and digital tickets available for fans.The Sumter Gamecocks enter with a 7–1 overall record, includin...

Sumter (7–1) hosts Ridge View (6–2) Friday night at 7:30 p.m. in Sumter

The Ridge View vs Sumter Live matchup features the Sumter Gamecocks hosting the Ridge View Blazers at Sumter-Memorial Stadium in Sumter, SC. Kickoff is scheduled for 7:30 p.m. on Friday, Oct. 24, 2025, with live streaming and digital tickets available for fans.

The Sumter Gamecocks enter with a 7–1 overall record, including a 4–0 home record, averaging 41.4 points per game while allowing 151 points. Sumter has been dominant offensively in the first half (13.4 points in Q1 and 12.4 points in Q2 on average) and maintains a perfect 4–0 region record, highlighting their top position in South Carolina football.

The Ridge View Blazers come in at 6–2 overall, including a 2–2 away record, averaging 36.3 points per game while conceding 91 points. Ridge View has shown strong scoring in the first two quarters (10.4 points on average each quarter) but will face a tough challenge against Sumter’s balanced scoring and home-field advantage. Their 4–0 region record keeps them competitive in league play.

This matchup features Sumter’s Gamecocks and high-scoring offense against Ridge View’s Blazers, creating a compelling conference contest with playoff implications and district standings on the line.

How to Watch and Get TicketsFans can stream Ridge View @ Sumter Live on NFHS Network, accessible on computers, tablets, and mobile devices starting at 7:30 p.m. for full coverage.

Tickets are available via GoFan—early purchase is recommended for guaranteed entry and smoother stadium access. Don’t miss the chance to see the Gamecocks take on the Blazers in this key South Carolina conference matchup.

Kickoff is scheduled for 7:30 p.m. in Sumter, SC.

This article contains an affiliate link. If you subscribe through our link, we may earn a small commission — at no extra cost to you. Read our full Affiliate Disclosure .

SC textile plant with a 'Made in the USA' mantra is closing after more than 75 years

CHARLESTON — A South Carolina textile company that's been making bolts of woven fabrics shine since the 1940s with colorful dyes and decorative patterns — and is fiercely proud of its "Made-in-America" heritage — is shutting down.Santee Print Works notified state labor officials this week that it will permanently close its longtime Sumter County plant — once one of the area's single-biggest employers — by Dec. 20.About 140 workers are expected to lose their jobs before the holidays....

CHARLESTON — A South Carolina textile company that's been making bolts of woven fabrics shine since the 1940s with colorful dyes and decorative patterns — and is fiercely proud of its "Made-in-America" heritage — is shutting down.

Santee Print Works notified state labor officials this week that it will permanently close its longtime Sumter County plant — once one of the area's single-biggest employers — by Dec. 20.

About 140 workers are expected to lose their jobs before the holidays.

No reason was given. The company and its lawyer did not immediately respond to a request for comment on Oct. 22.

Workers were told about the decision Monday, according to a layoff notification filed with the S.C. Department of Employment and Workforce.

"This closure is permanent, and the entire plant will be closed," Columbia employment attorney Reginald Belcher wrote.

A 1949 Charleston newspaper article reported the privately held, family-owned company was issued a charter from the state of South Carolina in July of that year. The founders, two businessmen from New York City, were among a group of investors who had bought Mansfield Mills Inc. in Lumberton N.C., several years earlier

They later relocated their South Carolina textile printing venture to a new Sumter industrial park at the request of local elected officials who were trying to recruit businesses to the site.

"Construction of this manufacturing facility, which is the current location of Santee’s operations, began in the early 1950s with operations first commencing in 1952," according to a 2017 lawsuit the company filed and later settled in state court over a wastewater dispute.

In October 1968, U.S. Sen. Fritz Hollings stopped by the plant to court rural voters while campaigning for re-election.

At the turn of the century a Santee Print Works executive told The Post and Courier that the payroll at the factory had grown to 1,100 workers. He also said the company was bringing in about half of its raw materials through the Port of Charleston.

A year later, Santee Print Works announced it was trimming about 90 jobs, citing competition from cheaper Chinese imports and a weakening economy. More layoffs followed in 2005.

In early 2024, the Sumter Item reported the 1.5 million-square-foot plant on Progress Street would be shutting down for good, prompting the company to issue a written denial.

On its website, Santee Print Works directs business inquiries to its office across from Bryant Park in midtown Manhattan but stressed that its Sumter operation is "where the Magic Happens."

It noted that its Palmetto State-produced handiwork can be found on a near-endless tapestry of products, including flags, bedding materials, apparel and furniture coverings.

"You've see our prints on troops, doctors, in hotels, hospitals, displayed at high-end stores, on television, while window shopping or watching a political debate," the company said.

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