Buy a home at a reasonable rate with a VA loan in Charleston, SC

VA loans were established prior to the end of World War II and have since assisted numerous veterans, service members, and military families in fulfilling their dream of owning their a home. In recent times, the program has become increasingly significant, with VA loan volume skyrocketing and offering substantial financial advantages that enable countless veterans to purchase homes, thereby making homeownership a possibility for those who may not have qualified otherwise.

If you sacrificed comfort and security to help protect our great nation, Mission One Mortgage thanks you for your service. We believe that there's no greater honor than to serve those who have served our country. We're not afraid to go above and beyond for our veterans because that's exactly what they did for us.

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What is a VA Loan in Charleston, SC?

A VA loan is a mortgage option that is backed by the government and available to Veterans, service members, and surviving spouses. It is offered by private lenders such as banks and mortgage companies and not directly by the Department of Veterans Affairs.

VA home loans come with competitive interest rates and terms and can be used to purchase a variety of properties, including:

  • Single-Family Homes
  • Condominiums
  • Multi-Unit Properties
  • Manufactured Homes
  • New Construction Homes

One of the great benefits of VA loans is that eligible Veterans can buy a home with no down payment, no mortgage insurance, lenient credit requirements, and the lowest average fixed rates in the market.

Va Mortgages Charleston, SC

This program was created by the federal government to make it easier for those who have served our country to become homeowners, and it is widely considered the strongest benefit program available for this purpose.

What are the Biggest Benefits of Having a VA Loan in Charleston, SC?

At Mission One Mortgage, we work with many Veterans who know that VA loans exist but don't quite understand the full range of benefits they provide. If that sounds familiar, keep reading. This section was written especially for you.

01

Benefit:

No Down Payment Needed

One of the standout benefits of the VA Loan program is that qualified borrowers can purchase a home without having to make a down payment up to the conforming loan limit of their county. This is a significant advantage over conventional and FHA loans, which typically require minimum down payments of 5 percent and 3.5 percent, respectively.

For example, on a $400,000 mortgage, a conventional loan would require a $20,000 down payment, while an FHA loan would require $14,000. Saving up that kind of cash can take service members and veterans years, but with the VA Loan, they can pursue homeownership without having to scrape and stockpile for years on end.

03

Benefit:

Less Strict Credit Requirements

It's important for military buyers to stay informed about credit score requirements when considering home financing options. Although credit score requirements have eased up a bit, it's still necessary to meet certain benchmarks set by conventional and FHA lenders. However, even meeting these benchmarks can be a challenge for many buyers.

Most VA lenders require a credit score of at least 620, which falls in FICO's "Fair" credit score range. Borrowers will typically need to meet a higher threshold for conventional mortgages, particularly if they want to secure a low-interest rate. It's worth checking out VA Loan rates to learn more about financing options.

Despite common misconceptions, military buyers don't need a perfect credit score to obtain financing. While a higher credit score can certainly help, it's important to remember that VA loans in Charleston, SC are designed to help military members and veterans access affordable housing.

05

Benefit:

Help with Closing Costs

Closing costs are an inevitable part of the home-buying process, no matter what type of mortgage product you choose. However, if you're a veteran, you may be pleased to know that the VA places limits on the fees and costs you're required to pay at the time of closing. Additionally, homebuyers have the option to ask sellers to cover all loan-related closing costs, as well as up to 4 percent of the purchase price for other expenses like prepaid taxes, insurance, and collections.

02

Benefit:

No Need for Private Mortgage Insurance

Coming up with a down payment can be challenging for both conventional and FHA homebuyers. In addition, they are required to pay for mortgage insurance unless they can make a sizable down payment, usually 20% of the purchase price. For instance, on a $400,000 mortgage, this would be a staggering $80,000 in cash.

FHA loans carry an upfront mortgage insurance premium and annual mortgage insurance. The latter now lasts for the life of the loan. On the other hand, conventional homebuyers will pay this monthly cost until they have built up enough equity, which can take several years.

Fortunately, VA loans do not require any mortgage insurance. However, there is a mandatory funding fee that goes directly to the Department of Veterans Affairs. Borrowers with a service-connected disability are exempt from paying this fee, which helps keep the program going for future generations.

04

Benefit:

Bankruptcy and Foreclosure

If you've experienced a financial setback such as a foreclosure, short sale, or bankruptcy, you may be worried about your chances of securing a VA home loan. However, don't lose hope just yet. With VA loans, it's still possible to be eligible for a home loan just two years after a foreclosure, short sale, or bankruptcy. In some cases, veterans who file for Chapter 13 bankruptcy protection can be eligible for a VA loan just a year after the filing date.

It's worth noting that the waiting periods for conventional or FHA financing can be significantly longer than those for VA loans. Additionally, even if you've lost a VA-backed mortgage to foreclosure, you may still be eligible for another VA loan.

So, if you're a veteran who's experienced a financial setback but still dreams of owning a home, don't give up hope. Explore your options and see if a VA loan with Mission One Mortgage could be the solution you need.

06

Benefit:

DTI Ratio Flexibility

It's important to keep in mind that VA lenders typically prefer borrowers to spend no more than 41 percent of their gross monthly income on major debts, such as mortgage payments or student loans. However, it's possible to get a VA home loan even if you have a higher DTI ratio. Some lenders may offer up to 55 percent or more depending on your credit score and ability to meet additional income requirements. This can give homebuyers more flexibility and greater purchasing power when it comes to finding their dream home.

Remember - if you have any questions about the benefits you just read about - like what credit score Mission One Mortgage requires for a VA loan - contact our office today. It would be our pleasure to help you navigate the VA loan process, one step at a time.

How to Determine Your VA Loan Eligibility

One of the most common questions we get at Mission One Mortgage revolves around VA loan eligibility. Who is actually eligible for this type of loan? What are the requirements for getting a VA loan? If you meet the following requirements, chances are you'll be eligible for a VA loan.

  • If you have completed 90 days of service during wartime or 181 days of service during peacetime, you may qualify as an active-duty military member or veteran.
  • If you have served in the National Guard or Reserve for a minimum of six years, or have completed 90 days of active duty under Title 32 orders, with at least 30 of them being consecutive, you may be eligible for a VA loan in Charleston, SC.
  • If your spouse was a service member who passed away while on active duty or due to a service-connected disability, and you haven't remarried, you may be eligible for a VA loan. In some cases, surviving spouses who remarried after the age of 57 and after Dec. 16, 2003, may also be eligible. Spouses of prisoners of war or service members missing in action may also be eligible for VA loans, as well.
  • You meet the necessary requirements for credit and income to be eligible for a VA loan. It's important to note that while the VA doesn't set a minimum credit score for VA loans, individual lenders may have their own standards. In addition to credit, your lender will also evaluate your income and debts to assess your ability to repay the mortgage.
  • The property you're interested in purchasing complies with the necessary safety standards and building codes. It's also worth mentioning that in most cases, the borrower is required to make the residence their primary home within 60 days of purchase. However, there are certain circumstances in which this timeline can be extended up to 12 months.
 HomeReady Mortgages Charleston, SC

Follow These 5 Steps to Begin the VA Home Loan Process

Curious what the general steps are for purchasing a home with a VA loan? You're not alone. Keep reading to get a feel for what you have to do to enjoy the wonderful benefits of homeownership.

 Home Ready Mortgages Charleston, SC

When applying for a VA home loan benefit, the Certificate of Eligibility (COE) is an important document that verifies your eligibility to your lender. If you have already used your VA loan benefit in the past, a current COE can help you determine how much remaining entitlement you have. Additionally, it can ensure that your entitlement has been restored for previous VA-backed loans that were paid in full.

After you've applied for your COE, it's a good idea to examine your finances. We're talking about items such as income, expenses, credit profile, and your monthly budget. That way, you know for sure that you're ready to purchase a home.

As a veteran, you have the choice of going through a bank, credit union, or a private VA mortgage company like Mission One Mortgage. Most lenders will have different loan interest rates and fees, so it's important to shop around. Remember - Mission One specializes in VA loans in Charleston, SC. Other lenders, such as large corporations and banks, often can't match the expertise and attention to detail that Mission One provides to veterans.

During this phase, it's a good idea to meet with a range of real estate professionals. Try to choose an agent who has experience processing and overseeing VA loans. Once you select an agent, you can bring your lender's pre-approval letter to their office and begin shopping.

This is the best part of the VA loan process, other than getting the keys to your new home. When looking for a house, remember to look at homes within your price range and budget. Lean on your real estate agent, friends, and family for help in your search.

A Word of Advice from Mission One Mortgage

If you're thinking about buying a home, it's important to weigh the pros and cons of homeownership. While renting can provide flexibility and less responsibility for maintenance, it comes with the risk of rent increases, potential property sales, and uncertainty about security deposit refunds.

On the other hand, owning a home can offer relatively stable mortgage payments and an opportunity to build long-term wealth for you and your family. Before making a decision, it's crucial to determine your priorities, such as your monthly budget for mortgage payments and other expenses like transportation and childcare. Ultimately, only you can determine what's best for your housing and financial needs.

The Key to Homeownership Starts with a VA Loan in Charleston, SC

At Mission One Mortgage, we take immense pride in simplifying the mortgage process and ensuring that our clients experience minimal stress. We understand that navigating the world of mortgages can be daunting, which is why we are committed to making it as smooth as possible.

By choosing to work with us, you're not just getting a mortgage broker - you're selecting a partner who is devoted to your financial well-being and dedicated to helping you achieve your dream of homeownership. By working together, we can work through the VA loan process one step at a time.

That rings true for all of our clients, but especially the U.S. Veterans we serve. In fact, we specialize in VA mortgages and are proud to offer them to US Veterans, those on Active Duty, and their spouses. VA Loans are one of the best mortgages available, offering no down payment requirements, no PMI, and some of the most favorable rates and terms.

If you're ready to take the next big step in your life and provide stability for your family with a place to call home, contact our office today. You're closer to the dream of home ownership than you might think.

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Latest News in Charleston, SC

10 Can’t-Miss Fringe Events During Charleston Wine + Food

It’s that time of year again when all the food and beverage pros descend on the Lowcountry for Charleston Wine + Food. While tickets are still available for the festival, there’s also a wealth of parties and pop-ups going on across the city, away from the Culinary Village. Check out just a few here.If you have an event we missed, send us an email...

It’s that time of year again when all the food and beverage pros descend on the Lowcountry for Charleston Wine + Food. While tickets are still available for the festival, there’s also a wealth of parties and pop-ups going on across the city, away from the Culinary Village. Check out just a few here.

If you have an event we missed, send us an email.

Thursday, March 7

Southern Speakeasy — Charleston-based magazine Garden & Gun and Louisville Tourism will throw a party with the theme of Southern Speakeasy, starting at 6 p.m. at the Garden & Gun headquarters (701 East Bay Street). Tickets are $275 and include bites from Louisville chef Andrew McCabe of Bar Vetti and drinks from Angels Envy bourbon.

Campari Takeover — Cocktail hangout Last Saint (472 Meeting Street) is hosting a Campari takeover with Nickle City out of Austin, Texas, and Caroline Glover at Traveling Mercies in Colorado.

Tequila Takeover — Tequila Komos director of education and advocacy, Ria Soler, will be at Mexican restaurant the Matador (235 Meeting Street) for a three-course tequila dinner at 6:30 p.m. Tickets are $120 and include welcome cocktails and dinner.

Late Night — Chefs Digby Stridiron, chef Michael Rodriguez, and the Ordinary (544 King Street) bar manager Christian Favier are gathering industry folks for a big late-night party behind Babas on Cannon (11 Cannon Street), starting at 10 p.m. Look for Caribbean food and plenty of rum.

Friday, March 8

Caffeine Fix — Vodka brand Absolut teams up with lifestyle brand Kenny Flowers for an espresso martini soiree and pop-up shop at the Den (181 Church Street) at the Emeline Hotel. Stop in from 5:30 p.m. to 7 p.m. for a rush of caffeine and perhaps a new shirt.

Saturday, March 9

Effin’ (B)reakfastEffin B Radio creator Lindsay Collins will host an intimate breakfast at the Counter Culture Coffee training center (85½, Spring Street) from 10 a.m. to noon. Tickets are $65 and include breakfast, a tote bag, and a front-row seat to a live taping of the podcast with guest Hannah Welton of Weltons Tiny Bakeshop (682 King Street).

Apertivo Hour — Pizza party place Renzo (384 Huger Street) welcomes winemaker Matteo Giordano of Barbaresco’s Luigi Giordano for an apertivo hour starting at 12:30 p.m. Tickets are $15 and include snacks, with wines by the glass for sale. Giordano will chat about his family’s wine and there will be bottles for retail.

Another Apertivo Hour —Italian restaurant Frannie & the Fox (181 Church Street) invites award-winning bartender Valentino Longo for an apertivo hour in the courtyard from 3 p.m. to 6 p.m.

Free Cheese — The Cheese Lady Laura Werlin will pop up around Charleston all weekend with her fabulous Wisconsin cheese cart and free samples. On Saturday evening, she will be at wine bar the Tippling House (221 Coming Street) from 4 p.m. to 6 p.m. The bar will pour glasses of Magnon Corbieres rose for $19 to go with all the cheese. The Tippling House is also selling all bottles of champagne for 30 percent off all weekend.

Crab CrackThe Food Section founder Hanna Raskin is throwing a garlic crab competition at the Starlight Motor Inn (3245 Rivers Avenue, North Charleston) from 11 a.m. to 2 p.m. The battle includes Shanay Burch, Brandon Green, and Kouvarius Butler, with the attendees determining the winner. For $45, party-goers get to taste the competition, have a few drinks from restaurateur Jerry Slater, and grab a cupcake from Daddy’s Girl Bakery (2021 Reynolds Avenue, North Charleston).

The South's Best New Museum Is The International African American Museum

The American Journeys exhibit at the International African American Museum (IAAM) in Charleston, South Carolina, which is the ...

The American Journeys exhibit at the International African American Museum (IAAM) in Charleston, South Carolina, which is the South's Best city for 2024, starts with a white cutout of Africa in front of muted photos of Black American heroes. The word “we” stretches the width of the continent in capital letters, and the statement continues on the floor below: “begin here.”

The IAAM opened in June 2023 on Gadsden’s Wharf, the former port on Charleston’s riverfront where nearly half of the enslaved Africans brought to this country first landed. The museum centers around the stories of these people and their descendants as well as the broader narratives of Black citizens across the United States.

The South's Best 2024

I began researching my family’s lineage about seven years ago, when I was pregnant with my son. I felt a strong desire to share my ancestry with him but realized I only knew about my living relatives. I used the last of my fleeting free time before he was born to sort through data in census records and on genealogy websites.

Recently, I took my son to the IAAM because I want him to engage with the full, unfiltered African American story at an early age, whether we’re finding out about our own family or the wider Black American experience. The galleries are full of interactive panels and videos that hold the attention of people of all ages and learning styles.

“The African American journey meets at the intersection of incredible trauma and joy,” says Malika N. Pryor, IAAM’s chief learning and engagement officer. “That can be a little tougher for a young person to process. So having a grownup (whether that’s their grandpa, mom, or another mentor) there can help them as they walk through that. I think that’s where the intergenerational component really comes into play.”

Halfway through the American Journeys exhibit, we stepped into an airy rotunda called the Center for Family History. Pictures of the Obamas, Catherine Braxton and Rebecca Campbell (sisters who had free and enslaved relatives at Drayton Hall, a former plantation on the Ashley River), and Darius Brown (a genealogist at the center) are displayed on the walls the way a matriarch places her family photos throughout her living room. My son touched the screen of an interactive kiosk, which invited him to delve into his own history.

“Don’t believe the myth that doing enslaved genealogy is impossible. It’s difficult; it’s challenging. Sometimes, it can be painful, but it’s not impossible.” —BRIAN SHEFFEY

More than just an exhibit, the center hosts in-person classes as well as virtual one-on-one sessions to help people of color from around the country further their family knowledge. “I’ve really gotten into African American genealogy to encourage people of African descent to start researching their history and to come away feeling empowered to do that,” says Brian Sheffey, the director of the center. “Don’t believe the myth that doing enslaved genealogy is impossible. It’s difficult; it’s challenging. Sometimes, it can be painful, but it’s not impossible.”

Colorful works fill the Creative Gathering exhibit. PHOTO:

COURTESY IAAM/MCG PHOTOGRAPHY

This portrait by photographer Ming Smith is titled Amen Corner Sisters. PHOTO:

COURTESY IAAM/MING SMITH STUDIO

One common roadblock for African American genealogy is called the “1870 brick wall.” “From the present day back until about then, everyone has the same kind of records,” explains Sheffey. “But for those of African descent, looking for anything from earlier than 1870 can go one of two ways. You have free people of color, whom you can research much like you would someone of White ancestry. And then you have the enslaved side, which has a different type of genealogy. You have to deal with other records.”

I, too, stumbled near the 1870 brick wall. I knew that my great-great-great-grandfather Henry Turner was born enslaved and that he served in the 53rd Regiment of the United States Colored Infantry during the Civil War. After exhausting online databases, I wasn’t sure where else to look. Sheffey recommended that I request his pension file from the National Archives and Records Administration in Washington, D.C., or St. Louis, Missouri. These documents can give biographical information, including where someone lived, a physical description, and even who enslaved them. Before my visit to the center, I didn’t know this type of record existed.

The museum has ambitious goals to help Black families explore their origins, much in the way that Sheffey assisted me. According to Pryor, they intend to digitize the pertinent records to make pre-1870 research more accessible. Their loftiest plan is to gain access to slave ship logs, many of which are housed in the United Kingdom and the Caribbean. Having that information would allow more people to discover which countries their ancestors originally came from. What makes the Center for Family History unique, as an incubator within a historical museum, is that it challenges museum guests to think of genealogy beyond its value to one person or lineage. It reminds us that our collective histories form the foundation of the African American story—an integral part of the American journey.

IAAM is open Tuesday through Sunday. Timed-entry tickets are available online; the museum recommends purchasing them in advance.

Editorial: Here's an easy way Charlestonians can help the environment

Local governments should be encouraged to experiment with new services and policies that leaders think could save money, improve our quality of life or protect our environment, provided these governments learn lessons and adjust accordingly, even if it means ending a new program. Such thinking is why we expressed support...

Local governments should be encouraged to experiment with new services and policies that leaders think could save money, improve our quality of life or protect our environment, provided these governments learn lessons and adjust accordingly, even if it means ending a new program. Such thinking is why we expressed support two years ago, when the city of Charleston got a state grant to begin a new composting program in which residents could drop off food scraps to new drop-off sites.

The possible benefits — reducing landfill demand, lessening its methane emissions, creating beneficial mulch and empowering more residents to take another small step to address climate change — seemed worth the cost. And if residents chose not to participate, the newly created drop-off sites could quietly go away with minimal fuss.

But after two years, the results of this experimental compost program are in, and it looks very much like a winner. About 2,300 households have signed up to take part so far, and the number of drop-off sites has grown from three to about 20 (six new ones opened Friday), as other local governments signed on. The city surpassed its goal of collecting 50 tons of food scraps in 2022 by 4 tons; last year, it surpassed its goal of 150 tons by 5 tons. And this year, it set an even higher goal: 200 tons.

Residents who are not already participating should consider doing so, or even consider composting at home, because the benefits are numerous. Food scraps make up about a quarter of all garbage we throw out, so diverting food waste can result in fewer garbage truck trips, longer-lived landfills, less methane emissions and a new compost product that property owners can use to reduce their use of chemical fertilizers and that can even help absorb rainfall, Charleston Director of Sustainability Katie McKain tells us. Landfills produce about 17% of the nation’s methane — a potent greenhouse gas that scientists say is contributing to the warming of our planet.

Other local governments not already taking part also should do so, as Mount Pleasant, Sullivan’s Island and Isle of Palms have. Local government’s cost is only about $250 a month to haul off a collection site container.

Households that sign up at charleston-sc.gov/compost receive a kitchen compost caddy for their food scraps and the combination to the lock at their local drop-off site. It’s important participants follow the rules: It’s OK to drop off fruits, vegetables, coffee grounds, tea filters, yogurt, food-soiled paper towels, napkins and boxes, cooked meats, fish, shells, bones, milk and cheese. Unwelcome scraps include raw meats, plastics, fats, oils, grease and pet waste.

Charleston County’s Bees Ferry landfill site has been composting food waste and yard debris for years, and those who want to see this work up close may sign up for a tour on April 20 or May 11.

True, composting our food scraps is only a small step toward changes we should make to improve our resiliency to a changing climate, and it’s hard to say with certainty how much the individual actions of any one of us add up to any noticeable change. But the growing popularity of our public composting program is making an impressive case that it’s easy for all of us to join in. When Ms. McKain lists the benefits of composting, she begins by saying: “First and foremost is it makes our residents happy. People love it.”

Liberty Falls to Charleston 8-2

MT. PLEASANT, S.C. – The Charleston Cougars defeated the Liberty Flames 8-2 Tuesday afternoon at Patriots Point.The host Cougars plated four runs in the second and four in the eighth in their victory which closed out a five-game road trip for the Flames.Designated hitter Todd Hudson had two hits and drove in a run for the Flames in the contest.Liberty drops to 5-7 on the season. Charlest...

MT. PLEASANT, S.C. – The Charleston Cougars defeated the Liberty Flames 8-2 Tuesday afternoon at Patriots Point.

The host Cougars plated four runs in the second and four in the eighth in their victory which closed out a five-game road trip for the Flames.

Designated hitter Todd Hudson had two hits and drove in a run for the Flames in the contest.

Liberty drops to 5-7 on the season. Charleston snaps a three-game losing skid and improves to 8-3.

Box Score Highlights Records: Liberty (5-7); Charleston (8-3) Location: Mt. Pleasant, S.C. (Patriots Point) WP: Andrew Duval (1-0) | LP: Ben Blair (0-1) | SV: Alex Lyon (1)

Scoring Summary 1st – LIBERTY - Sweatt doubles, Rabon scores, 1-0 2nd – CofC - Baumhofer singles, Neaves scores, 1-1 2nd – CofC - Pendergrass singles, Wood scores, 2-1 2nd – CofC - Mathis singles, Pendergrass and Baumhofer score, 4-1 5th – LIBERTY - Hudson doubles, Sweatt scores, 4-2 8th – CofC – Madden scores on a wild pitch, 5-2 8th – CofC – Neaves scores on a wild pitch 6-2 8th – CofC – Johson doubles, Singsank scores, 7-2 8th – CofC – Pendergrass singles, Johnson scores, 8-2

Notable Numbers - Charleston had 13 hits in the contest. Liberty collected seven. The Flames committed the only error of the contest. - Liberty left 10 men on base. Charleston left seven men on. - Flames starting pitcher Ben Blair takes the loss. The right-hander allowed four runs on eight hits over four innings. He struck out one and did not walk a batter. - Charleston reliever Andrew Duval, the third pitcher in the contest for the Cougars, records the win. He gave up one run on three hits over three innings. He struck out one and walked one. - Cougars reliever Alex Lyon pitched a scoreless final three innings to earn a save. He allowed one hit and struck out two. - Five Cougars had two hits each in the contest. Center fielder Dariyan Pendergrass and designated hitter Cole Mathis drove in two runs apiece.

Beyond the Box Score - Today's meeting between Liberty and Charleston was the first-ever meeting between the two teams on the diamond. - Hudson's two-hit game was his second multi-hit game of the year. - Right fielder Camden Troyer singled and walked in the contest. The outfielder has now reached base in all 12 games this season. He is the only Flames to have reached base in every game this season. - With a single in the fourth, shortstop Tanner Marsh has now had at least one hit in each of the last five games.

Up Next With, their road trip complete, Liberty returns home to begin an eight-game homestand. The Flames will host the No. 11 East Carolina Pirates for a three-game series beginning Friday. First pitch at Worthington Field at Liberty Baseball Stadium is scheduled for 4 p.m.

Navy veteran Jay Poulos' journey to student manager with Charleston’s basketball team

CHARLESTON, S.C. (WCIV) — It is College of Charleston head basketball coach Pat Kelsey's go-to phrase.The team is "25 strong," explaining the united front seen by the public from players, managers and support staff. No one is more important than the next in that group of 25.There is one in that group, however, who has a different path than the rest of them.When the College of Charleston wrapped up the CAA regular season title against Campbell, Pat Kelsey bolted for the stands. The fans started filing towa...

CHARLESTON, S.C. (WCIV) — It is College of Charleston head basketball coach Pat Kelsey's go-to phrase.

The team is "25 strong," explaining the united front seen by the public from players, managers and support staff. No one is more important than the next in that group of 25.

There is one in that group, however, who has a different path than the rest of them.

When the College of Charleston wrapped up the CAA regular season title against Campbell, Pat Kelsey bolted for the stands. The fans started filing towards the doors, but the work was not done. In a general sense, for a team with greater goals. In an immediate sense, for Jay Poulos – who collected water bottles under the bench.

Read more: "Charleston Southern University officially names Saah Nimley as 13th head basketball coach."

"I was going to find a way to be a part of this team," Poulos, who is a 31-year-old student manager, said. "This is a job for me. Year 1 of my job. I'm not getting paid, but this is my job."

Poulos is a junior at the College of Charleston after transferring in from Trident Tech.

Though public opinion may not dwell on the short-term successes of a student manager, his family thinks the world of what he is doing to help the team.

"I'm so happy to have their support," he said.

Read more: "Charleston claims CAA regular season championship behind Reyne Smith's 32 points."

Family is preached throughout the program. Family is the program. But from here, Poulos has hopes of coaching basketball himself one day.

"I spent a lot of my time, a few years, doing what you have to do to survive," he said. "Day to day was a grind. It wasn't my passion. Being with those guys, and being a part of a team, part of a unit, trying to win and do something in the sport that I love and something within my passion."

For eight years, Poulos was in the United States Navy. He was across the world and far from the game he loved.

"I'm beyond proud," he said of his time in the Navy.

Read more: "Dawn Staley named SEC Coach of the Year, Angel Reese wins Player of the Year."

His time in the Navy taught him that perspective is everything. Laborious tasks now were his downtime vision a few years ago.

"I'm working towards having a job that is connected to the sport," he said.

The destination is all about the journey. For Poulos, his march will only exacerbate the madness – if it comes.

"Every day is a learning experience," he said. "Tournament. A bid to the Big Dance is all I've visualized since I joined this team. It would be dreams come true."

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