Mortgage Broker in West Ashley, SC

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 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.

 Mortgage Company West Ashley, SC
 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.

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 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
 Cash Out Refinance West Ashley, SC

Latest News in West Ashley, SC

2025 High School Preview: West Ashley High School

Sammy Esposito PB SC Director of ScoutingWest Ashley High School PreviewPROGRAM INFORMATIONHIGH SCHOOL NAME West Ashley High SchoolMASCOT WildcatsCLASSIFICATION 5AREGION Region 8HEAD COACH Brian WillisTWITTER West Ashley Baseball (@WAHS_Baseball)INSTAGRAM westashleybaseballHOME FIELD: Wildcat Park 4060...

Sammy Esposito PB SC Director of Scouting

West Ashley High School Preview

PROGRAM INFORMATION

HIGH SCHOOL NAME West Ashley High School

MASCOT Wildcats

CLASSIFICATION 5A

REGION Region 8

HEAD COACH Brian Willis

TWITTER West Ashley Baseball (@WAHS_Baseball)

INSTAGRAM westashleybaseball

HOME FIELD: Wildcat Park 4060 W Wildcat Blvd. Charleston, SC 29414

PROGRAM HISTORY

PROGRAM CHAMPIONSHIPS

2014 AAAA Region VII Champs 2024 AAAAA District 5 Champions

PREVIEWING 2025

PRESEASON EVENT:

2/12/25 Vs. Lowcountry Leadership Charter (Home) 2/18/25 Vs. Bishop England (Home)

SPRING BREAK:

Hanahan Invitational Tournament (April 14-17, 2025/ HOME)

STARTERS RETURNING: 2

RETURNING PITCHERS: 1

WHAT TO WATCH FOR: Expected Team Strength - We believe that our defense will be the strength of our team. Although we are young, we have worked very hard at making routine plays around the diamond. Our team has bought in to doing the little things at the plate and we hope to limit strikeouts and do as much as we can in creating chaos on the offensive side.

QUOTE FROM THE COACH:

After losing 8 starters and other key players from last year's District 5 champions, we look forward to the growth of returning role players and younger athletes. They have worked extremely hard in the offseason and are excited about their opportunity to compete in a very tough league.

PLAYERS TO WATCH

Kevin Elias, SS, 2025, Uncommitted, Kevin is our unquestioned leader and is ready to make a big leap this year as our starting SS and leadoff guy. He has elevated his already solid defensive skills and has shown incredible growth at the plate this offseason. One of our two returning starters.

Kory Brame, INF/P, 2026, Uncommitted, Kory is expected to lead us on the mound and handles the bat extremely well at the top of the lineup and makes consistent contact while having a great feel for the game.

Tyler Burnette, CF, 2025, Uncommitted. One of two returning starters. Tyler will be manning CF for us this spring and hit in the top of our lineup. He handles the bat very well and is consistent at putting the ball in play. He is our lone returning outfielder, switching from LF to CF.

Brooks Mullinax, C/OF, 2027, Uncommitted. Brooks will step into a tough role as our starting catcher. He provides great athleticism behind the dish. Additionally, he is one of our fastest guys on the team and we expect for him to make great strides at the plate from a year ago. We look forward to his growth and maturity over the next few years and we see him having a bright future.

Tyler Morey, INF, P, 2028, Uncommitted. Tyler has tremendous upside and has worked extremely hard in the weight room. We will look for him to move around between 1B and 3B defensively and be a major piece in the middle of our lineup. Tyler has big upside at the plate and makes loud contact.

Charleston breaks ground on $74M West Ashley to downtown pedestrian bridge

Listen to this articleFoot traffic is just as important as vehicle traffic in a city as populated and beautiful as Charleston.In efforts to increase accessibility for pedestrians and cyclists in the region, the City of Charleston broke ground on construction for Ashley River Crossing.“The connection between parts of the city and tying everything together is critical,” Mayor William Cogswell said during a gro...

Listen to this article

Foot traffic is just as important as vehicle traffic in a city as populated and beautiful as Charleston.

In efforts to increase accessibility for pedestrians and cyclists in the region, the City of Charleston broke ground on construction for Ashley River Crossing.

“The connection between parts of the city and tying everything together is critical,” Mayor William Cogswell said during a groundbreaking event Wednesday at the site of construction. “This bridge is going to be not only a physical connection between West Ashley and the peninsula, but a symbolic connection that I think is long overdue.”

What once started as a $6 million project, the $74 million Ashley River Crossing will connect West Ashley and downtown Charleston, Michael Seekings, a councilmember for Charleston City Council, said.

The bicycle and pedestrian bridge will connect not only the two regions, but create a connection between West Ashley Greenway, Brittlebank Park and the Ashley River Walk.

Seekings said Ashley River Crossing was a passion of his when originally running for election for the council.

After 15 years, the project has begun construction.

“To me, this really is the most important transportation mobility infrastructure project that’s been undertaken in my time as a city council member, and probably longer,” Seekings said.

Ashley River Crossing is expected to be completed in June 2027. Seekings said people will be able to see the progress from the Ashley River Bridge, but it will not interrupt traffic.

Related: Charleston County marks historic year with $1.28B of capital investment

Related: MUSC to break ground on $175M downtown Charleston facility

LS3P and SeamonWhiteside will serve as the architects for the project. The general contractor is MasTec Civil with COWI Engineering, JMT, TranSystems and ESP as the engineers. HDR Engineering is the project manager.

“Mayor, there is only one day that’s better than the day you break ground, and that’s the day you cut the ribbon,” Ron Mitchum, executive director of Berkley-Charleston-Dorchester Council of Government, said. “I look forward to coming back with you so we can start to watch people start to enjoy what I know is going to be a beautiful first-class facility.”

‘It shouldn’t be on us’: Couple says water in fuel at West Ashley station damaged vehicle

CHARLESTON, S.C. (WCSC) – A Lowcountry couple faces thousands of dollars in repairs after they say water in diesel fuel purchased in West Ashley damaged their vehicle.Adrienne Lett and her partner Uriel Salazar contacted the South Carolina Department of Agriculture to request diesel fuel be tested after they filled up their 2023 GMC Truck at the Circle K on Ashley River Road on New Year’s Eve. Lett said they were able to make the short drive home, but the next morning was another story.“We tried to drive the c...

CHARLESTON, S.C. (WCSC) – A Lowcountry couple faces thousands of dollars in repairs after they say water in diesel fuel purchased in West Ashley damaged their vehicle.

Adrienne Lett and her partner Uriel Salazar contacted the South Carolina Department of Agriculture to request diesel fuel be tested after they filled up their 2023 GMC Truck at the Circle K on Ashley River Road on New Year’s Eve. Lett said they were able to make the short drive home, but the next morning was another story.

“We tried to drive the car. I guess we tried to drive the truck out of our driveway and it stalled almost immediately. It completely stopped working,” Lett said.

Salazar’s truck started to make an erratic rattling noise and he got a notification saying water was detected in the gas tank.

“That’s when I started freaking out because I have this $100,000 asset that I’ve been taking like pristine care of over the last two years and to have it just not work anymore. It was very frustrating,” Salazar said.

The SCDA’s report listed traces of water and sediment in the fuel. While waiting for the results, they both continued to contact Circle K for answers, but say they haven’t received much in return.

“For us, we’re lucky we have multiple cars, but if this was one family truck and you relied on it for work and now you’re out of work for over a week, that’s very frustrating for a lot of families,” Salazar said.

Since the SCDA report came back, the diesel pumps now have zip ties and red tags saying they’re not for use.

“Ultimately, we shouldn’t have to pay for this,” Lett said. “This is it’s not our fault as this is the gas station’s fault and they should have coverage for this and whatnot and it shouldn’t be on us.”

Lett and Salazar both said they want to spread this news because they’re now starting to wonder how many people have had this problem.

Circle K did not respond to a request for comment.

Anyone who thinks they have purchased contaminated should contact SCDA at 803-737-9700, the number listed on the SCDA inspection sticker attached to the pump, the agency’s website states. The receipt from the purchase or the type, grade, date and pump number will help investigators trace potential issues with the gasoline.

“Consumer Services, a division of SCDA, investigates complaints on motor fuel quality and/or quantity issues,” the website states. “Customers can assist in this process by contacting SCDA as soon as possible after the purchase so that we may dispatch an inspector to visually inspect and collect a sample for lab analysis while the product is still available.”

The SCDA can provide a copy of the lab analysis that consumers can use to support their claims.

Copyright 2025 WCSC. All rights reserved.

Century-old Charleston insurer in dispute with SC regulators

A Charleston insurer marking its 100th anniversary has been ordered to stop issuing new policies in South Carolina after regulators determined its financial condition to be "hazardous" under a directive that is now on hold.Atlantic Coast Life, which is headquartered in West Ashley and once owned the iconic downtown building that now houses the Wentworth Mansion, had been operating under confidential state supervision since last spring, along with the affiliated Southern Atlantic Re Inc.The S.C. Department of Insurance...

A Charleston insurer marking its 100th anniversary has been ordered to stop issuing new policies in South Carolina after regulators determined its financial condition to be "hazardous" under a directive that is now on hold.

Atlantic Coast Life, which is headquartered in West Ashley and once owned the iconic downtown building that now houses the Wentworth Mansion, had been operating under confidential state supervision since last spring, along with the affiliated Southern Atlantic Re Inc.

The S.C. Department of Insurance recently released details of its investigation into the companies "as part of our ongoing efforts to protect the consumers of South Carolina,” said Michael Wise, the agency's director.

“We will continue to work with our fellow state regulators to ensure companies conducting insurance business are adequately funded in compliance with the law,” Wise added in a written statement.

The public disclosure drew a sharp rebuke from Advantage Capital, the owner of the two insurers.

“While we remain committed to working with our regulatory counterparts, we completely disagree with South Carolina’s assertions and their sudden decision to breach confidentiality," a spokesman for New York-based A-Cap said in a written statement.

The state last month directed Atlantic Coast and Southern Atlantic to stop writing new business, including life insurance policies and income-producing annuities. The order was put on hold Dec. 30, a day before it was to take effect.

The South Carolina crackdown follows nearly identical actions that Utah announced last year against three other carriers that A-Cap owns. The two states have been working together on a "full examination" since last January.

Regulators are concerned that A-Cap has heavily invested money from policyholders into businesses under its control, raising potential conflicts of interest.

South Carolina flagged to a credit-rating report issued in February that questioned the company's risk-management practices. The analysis from A.M. Best pointed to the "uncertainty of the quality of assets" backing the capital reserves for A-Cap's insurance operations, including Atlantic Coast and Southern Atlantic.

The state put the carriers and their owner under confidential supervision April 10. It cited their close financial ties to a Miami private equity firm called 777 Partners with "extensive" interests in airlines and sports teams, as well as insurance businesses.

The department then disallowed more than $660 million in investments Atlantic Coast and Southern Atlantic provided to help measure their financial strength and ability to pay claims. It also determined the two insurers were severely undercapitalized once the numbers were recalibrated.

A-Cap said it stands behind the financial information it has submitted. Atlantic Coast Life and Southern Atlantic "will continue to be strong," it added.

"South Carolina’s conclusions are incorrect based on an apparent misinterpretation of their own statute. ... We look forward to correcting the errors in South Carolina’s position on this matter," the spokesman said in the prepared remarks.

A-Cap bought Atlantic Coast Life Insurance Co. in 2015 from the family that co-founded the business in Charleston 90 years earlier.

Editor's note: This article has been updated to show the S.C. Department of Insurance's order was put on hold effective Dec. 30.

Charleston celebrates groundbreaking of Ashley River Crossing Pedestrian Bridge

Published: Jan. 8, 2025 at 1:50 AM PST|CHARLESTON, S.C. (WCSC) - A long-awaited project that would make the City of Charleston more accessible and connected for pedestrians, cyclists and other nonmotorized users will finally become a reality Wednesday.The Ashley River Crossing pedestrian bridge project has been in the works for almost 15 years now and after undergoing several changes and design revisions, the plan is complete, so the project will begin Wednesday afternoon. Leaders for the City of Charleston will break ground an...

Published: Jan. 8, 2025 at 1:50 AM PST|

CHARLESTON, S.C. (WCSC) - A long-awaited project that would make the City of Charleston more accessible and connected for pedestrians, cyclists and other nonmotorized users will finally become a reality Wednesday.

The Ashley River Crossing pedestrian bridge project has been in the works for almost 15 years now and after undergoing several changes and design revisions, the plan is complete, so the project will begin Wednesday afternoon. Leaders for the City of Charleston will break ground and begin construction on this massive project.

This bridge will connect West Ashley to downtown Charleston.

Project leaders plan to start construction on the West Ashley side and build across to the downtown side, connecting to Brittlebank Park, Bee Street and Lockwood Drive and then eventually tying into the City Marina.

Chief Policy Officer for the City of Charleston Logan McVey said that they plan to connect many projects within this one including the Ashley River Walk and the Battery extension with one goal in mind: making the City of Charleston one, connected city.

“That’s what’ll be really important is the idea of the City working together and us viewing the City not as different places - as West Ashley versus Downtown or Downtown versus West Ashley - but as one city that is connected with just a little bit of water in between,” McVey said.

In theory, once this project is complete, it would be possible to bike or walk all the way from outer West Ashley to the Isle of Palms.

The vision is that pedestrians and cyclists could take the West Ashley Greenway to the Ashley River Crossing then ride around the peninsula using the Battery extension to ultimately hop on the Ravenel Bridge. It is all about connectivity within the city, which is something leaders have been really trying to prioritize.

This project originally began under the city’s former leadership, but City Council approved the suggestions Mayor Cogswell made to the project and it will now also include a viewing platform of the Ashley River.

The project in total will cost about $90 million, which will mostly come from federal funding.

As it is such a big project, McVey said that city leaders wanted to make sure they were making the best use of this money. He said they decided to be intentional in connecting this with several other pedestrian and mobility projects in the area.

“The idea is that you’ve got something that is going to be a pretty big investment… how can the city connect that investment to other investments we are making? That’s the battery extension, that’s the Lowline, that’s all of the bike and pedestrian improvements that we are making downtown. How do all of these tie together to create a system that allows people to get around without getting into a car, takes pressure off our roads, but also makes us a healthier, better, more connected city,” McVey said.

City leaders will host a groundbreaking ceremony to commence the beginning of construction for this project Boulevard from 1:30 p.m. to 2 p.m. The groundbreaking will take place at the construction site on the West Ashley side located at 25 Folly Road Blvd.

Copyright 2025 WCSC. All rights reserved.

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