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 West Ashley, 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 West Ashley, 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 West Ashley, SC
Refinances West Ashley, 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 West Ashley, 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 West Ashley, 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 West Ashley, SC

Commercial expansion planned for outer West Ashley

New development aims to reduce traffic by bringing retail closer to growing residential areasWEST ASHLEY, S.C. (WCSC) — City officials are moving forward with plans to expand commercial development in outer West Ashley, targeting an area between Bees Ferry Road and Glenn McConnell Parkway.The Charleston City Council approved the first reading of an ordinance Tuesday night for a planned unit development in what developers call “The Wedge” area of outer West Ashley.“The city has really been trying...

New development aims to reduce traffic by bringing retail closer to growing residential areas

WEST ASHLEY, S.C. (WCSC) — City officials are moving forward with plans to expand commercial development in outer West Ashley, targeting an area between Bees Ferry Road and Glenn McConnell Parkway.

The Charleston City Council approved the first reading of an ordinance Tuesday night for a planned unit development in what developers call “The Wedge” area of outer West Ashley.

“The city has really been trying to focus on bringing more commercial development into that area because with Grand Oaks, Carolina Bay, and the Bees Ferry corridor, we feel like there’s enough heads in beds to finally really have a nice commercial component for outer West Ashley,” Karl Brady, Charleston City Councilmember for District 5, said.

Documents show there are 85,000 residential units within a five-mile radius of West Ashley Circle. The area currently has an established Walmart and other services, but Brady said the development aims to fill the remaining section with additional retail and commercial purposes.

The planned unit development proposes three land use districts: the Outparcel District, the Financial District, and the Commercial District. The plan combines general offices and businesses with walkability to existing locations.

Brady said the development addresses the city’s goal of creating work nodes where people can live, shop and potentially work in the same area.

City officials said traffic complaints are the top concern they receive from residents. The commercial expansion aims to reduce traffic along Sam Rittenberg Boulevard and other main West Ashley arteries by bringing grocery stores and other services closer to residential areas.

“The traffic is just getting worse and worse by the day,” West Ashley resident Carter Souris said.

Some residents said they welcome the convenience of closer commercial options despite concerns about rapid development.

“It’s a lot better because then it’s quicker to drive through down here, even though the distanc,e because of how long you’d have to sit in traffic,” Max Lee, another West Ashley resident, said.

The ordinance must complete the regular approval process before moving forward.

Encampment cleared near West Ashley as homelessness rises in the Lowcountry

CHARLESTON, S.C. (WCSC) — A homeless encampment located about a hundred yards off Ashley Hall Road is now being cleared, as outreach workers say it’s part of a growing homelessness trend across the Lowcountry.Personal belongings remain scattered throughout the area, including clothing, shoes, and bedding. Crews with the HOPE Resource Center say the site is currently in the process of being addressed through outreach efforts.The encampment is one of six her organization has worked to address so far this year, reflect...

CHARLESTON, S.C. (WCSC) — A homeless encampment located about a hundred yards off Ashley Hall Road is now being cleared, as outreach workers say it’s part of a growing homelessness trend across the Lowcountry.

Personal belongings remain scattered throughout the area, including clothing, shoes, and bedding. Crews with the HOPE Resource Center say the site is currently in the process of being addressed through outreach efforts.

The encampment is one of six her organization has worked to address so far this year, reflecting what she describes as a broader rise in homelessness across the region, according to Executive Director LaTosha Jenkins-Fludd.

The encampment is located off North Woodmere Drive. Jenkins-Fludd says sites like this often form so people can remain together, particularly families or couples who want to avoid being separated.

A recent state report shows more than 450 people are experiencing homelessness across the Lowcountry, representing an estimated 14 percent increase from last year.

Jenkins-Fludd says those numbers align with what the HOPE Resource Center is seeing firsthand, including noticeable increases in unhoused seniors, women, and children. She says many people living in encampments are dealing with a range of challenges, including eviction, mental health struggles, terminal illness, or transitioning out of foster care.

“Usually when we’re made aware of an encampment, we engage with it using our own outreach specialists here in the City of Charleston,” Jenkins-Fludd said. “We go out and ask people how we can help — whether that’s access to showers, a hot meal, laundry services or case management for housing.”

She added that not everyone is immediately receptive to help, and that the organization works closely with mental health partners to address deeper needs.

The HOPE Resource Center is open four days a week and offers hot showers, a hot breakfast, and case management services. Those in need of assistance are encouraged to reach out for help.

Longtime West Ashley Indian restaurant set to open after 2-year closure

WEST ASHLEY — Two years after an Indian restaurant that was a favorite of locals shut down for a complete remodel and rebuild, it’s finally eyeing a reopening date.The only hold up? The building still needs interior walls and equipment.Balvinder Banga originally expected the overhaul of Nirlep at 908 Savannah Highway to take about seven months. Instead, the project is nearing the two-year mark.She’s now hopeful the fully rebuilt space will be ready by early 2026, ideally in January.As part of the...

WEST ASHLEY — Two years after an Indian restaurant that was a favorite of locals shut down for a complete remodel and rebuild, it’s finally eyeing a reopening date.

The only hold up? The building still needs interior walls and equipment.

Balvinder Banga originally expected the overhaul of Nirlep at 908 Savannah Highway to take about seven months. Instead, the project is nearing the two-year mark.

She’s now hopeful the fully rebuilt space will be ready by early 2026, ideally in January.

As part of the refresh, Banga unveiled a new logo on the outside of the Charleston building featuring an Indian man wearing sunglasses — a visual cue, the owner said, to clearly signal that Nirlep serves Indian cuisine.

The logo and the refreshed interior will be the most notable changes to the dining experience.

“It will be the same menu, same everything,” Banga said. That includes Nirlep’s popular lunch buffet.

Nirlep closed at the end of 2023 after persistent issues with the aging structure, particularly its plumbing, Banga said.

What followed was a full demolition down to the slab. The new building will feature a larger kitchen, two clay ovens — one for the restaurant’s variety of tandoori-roti breads and another for chicken — as well as a bar with seating and a semi-private dining room that can hold about 20 guests.

Banga is also considering adding outdoor seating behind the building.

Many longtime staff members plan to return, and Banga will remain in the kitchen cooking her secret-sauce chicken tandoori, spicy Krahi chicken and chicken tikki masala.

She and her husband, Dilawar Banga, first opened Nirlep in 2002, naming it after their son. They purchased the building in 2008 for $485,000, according to county records.

Despite construction delays, customer demand hasn’t waned. Banga said diners as far as Summerville continue to ask when Nirlep will reopen. All of the restaurant’s new furniture is sitting in a warehouse, ready to be moved in once the renovations are complete.

Nirlep’s return comes as Charleston’s Indian dining scene continues to grow.

In recent years the Lowcountry area has welcomed Spice Palette in Mount Pleasant, Ma’am Saab, the Pakistani restaurant and cocktail bar from the owners of the more casual Malika Canteen in Mount Pleasant, and most recently, Riviat, a higher-end Indian restaurant which opened in the Cannonborough/Elliotborough neighborhood in September.

New pediatric unit opening in West Ashley through hospital collaboration

CHARLESTON, S.C. (WCSC) — Roper St. Francis and the Medical University of South Carolina Children’s Health have teamed up to open a pediatric center in West Ashley that officials say addresses a needed gap in local care.“This is really the first step in this collaboration,” Dr. John Pastore, Roper St. Francis Pediatric Medical Director, said.Medical officials said the new facility addresses a gap in pediatric care as the Charleston area continues to grow.“Charleston metropolitan area continu...

CHARLESTON, S.C. (WCSC) — Roper St. Francis and the Medical University of South Carolina Children’s Health have teamed up to open a pediatric center in West Ashley that officials say addresses a needed gap in local care.

“This is really the first step in this collaboration,” Dr. John Pastore, Roper St. Francis Pediatric Medical Director, said.

Medical officials said the new facility addresses a gap in pediatric care as the Charleston area continues to grow.

“Charleston metropolitan area continues to grow, so do the family sizes, of course, and Shawn Jenkins has grown with it, but the pace of our population growth has outpaced even what Shawn Jenkins can serve,” Dr. Megan Baker, Chief Clinical Officer at Roper St. Francis Healthcare, said.

Some residents said traveling downtown for pediatric care presented challenges, including parking difficulties, flooding, traffic and childcare issues.

The new center will treat low-acuity pediatric conditions for patients requiring shorter hospital stays.

“I want to focus on the type of care where patients will be in the hospital for a shorter amount of time and have a lower severity of illness, so things that are easy to manage, such as pediatric mild asthma exacerbations, community-acquired infections and community-acquired pneumonia,” Pastore said.

One of the center’s main goals is maintaining family unity during treatment.

“Closer to home for many of our patients and keeping families together,” Baker said.

The children’s ward starts with eight rooms and will expand to 16, including a lab and other inpatient services. The facility includes a playroom that doctors said children need for recovery.

“This is being hospitalized is such a stressful time for children. Trying to preserve some semblance of normalcy is so important. Thus, we have pet therapists. We’re going to have child life specialists and even just a little playtime. One of the reasons I went into pediatrics is because children do not become their disease. Children want to be children, and this is how we promote that, and that’s part of their well-being,” Pastore said.

Officials said this represents the beginning of expanded services they plan to provide. Staff hope for the center to open in early December.

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