Buy a home at a reasonable rate with a VA loan in Goose Creek, 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.
What is a VA Loan in Goose Creek, 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.
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.
The VA has a guarantee program that ensures the government will pay back the lender a portion of a VA loan if the borrower fails to make payments. This guarantee reduces the risk for lenders, and as a result, they can offer more favorable terms and require no down payment.
Compared to conventional loans, VA loan rates are typically lower. The rate could either be fixed, meaning payments will remain the same, or adjustable, meaning that payments could change over time. However, keep in mind that adjustable-rate mortgages (ARMs) come with some risk, as you'll pay more if rates rise.
If you are eligible for a VA loan, you can complete the VA mortgage application process through lenders like Mission One Mortgage. While many lenders offer VA loans, not all of them do, and some lenders specialize in serving VA loan borrowers. Generally speaking, it's best to apply with multiple lenders in order to compare rate offers and find the best deal.
Debbie Haberny, the proud broker-owner of Mission One Mortgage, is a certified Vetted VA Professional. The main objective of her team is to simplify the mortgage process for veterans by providing them with relevant tools and knowledge. Debbie and her team of mortgage experts base their expertise on the VA Handbook and are committed to showing veterans all the options and opportunities available to them with their VA benefits. They also connect veterans with qualified lenders and resources to ensure their VA loan process is seamless.
Whether you're a first-time home buyer or a seasoned homeowner, we'll help you understand the differences between financing programs so you can select the one that's best for you.
What are the Biggest Benefits of Having a VA Loan in Goose Creek, 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 Goose Creek, 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.
(843)822-5685How 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 Goose Creek, 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.
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.
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 Goose Creek, 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 Goose Creek, 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.
Want to know more?
Clarify your Queries Call Us Now! (843)822-5685
Latest News in Goose Creek, SC
City of Goose Creek begins work on new ‘Assembly’ building
Autumn Kleinhttps://www.live5news.com/2025/04/07/construction-begins-new-goose-creek-event-space/
GOOSE CREEK, S.C. (WCSC) - The City of Goose Creek has officially started construction on a new building that will serve several purposes.As the city continues to grow, leaders say they saw a need for a new venue on the lake right behind City Hall. Once open, both residents and city leaders will be able to utilize this venue known as the “Assembly.”The Assembly will act as a wedding and event venue and serve as the new home for city council meetings.Leaders have just started construction, but once complete, t...
GOOSE CREEK, S.C. (WCSC) - The City of Goose Creek has officially started construction on a new building that will serve several purposes.
As the city continues to grow, leaders say they saw a need for a new venue on the lake right behind City Hall. Once open, both residents and city leaders will be able to utilize this venue known as the “Assembly.”
The Assembly will act as a wedding and event venue and serve as the new home for city council meetings.
Leaders have just started construction, but once complete, the building will be about 13,500 square feet and will include additional parking. This $13 million project is fully funded by the city.
The spokesman for the City of Goose Creek, Franklin Johnson, says the City and its residents will get a lot out of this space.
“Well, I just think it’s another dynamic gathering spot for Goose Creek residents. You know, the city has grown so much. This is a much-needed multi-purpose space. And again, we talk about the wedding, it being a great, beautiful wedding venue. And there’s just not that many of those choices in the area. So, we think the Goose Creek residents will love it and use it and that’s going to be a great thing,” he says.
Johnson says that when the Goose Creek Municipal Center was built in the 1990s, the population of the City was about 30,000. Now, they have over 50,000 residents and as the City has grown, so has the staff.
This new building will allow them to convert the existing chamber into more office space and utilize the new Assembly building for meetings and other needs within the City.
Through the duration of construction, parking at City Hall will be limited, but there are visitors spots open and the visitors can park at the Municipal Court and the Recreation Center. The City Hall drive-thru will remain open.
Johnson believes the inconvenience will be well worth it once the venue is up and running.
He says the city doesn’t have many event space options like this so it will be something that serves the community in many ways and for a long time.
“The city will also use it for other city events, but the main purpose will be a venue for residents to be able to rent out for weddings, banquets, family reunions, all sorts of events. We think it’ll be a great thing for the city for many, many years to come,” Johnson says.
Johnson says they anticipate the Assembly to be completed and open by December 2026. Once the building is finished, they will open it up for bookings and reservations.
Copyright 2025 WCSC. All rights reserved.
Final beam placed on new submarine propulsion facility in Goose Creek
Jenna Herazohttps://www.live5news.com/2025/04/04/final-beam-placed-new-submarine-propulsion-facility-goose-creek/
CHARLESTON, S.C. (WCSC) - A major industrial milestone was celebrated Friday morning as Leonardo DRS, a defense technology company, placed the final support beam atop its new manufacturing and testing facility at Bushy Park Industrial Complex in Goose Creek.“We’re doing the top off, which is a ceremony that shows the progression of the plant and its completion. It’s a very big item for the community and our industrial site here. With DRS coming here, it’s going to employ a lot of folks with good-paying jobs and...
CHARLESTON, S.C. (WCSC) - A major industrial milestone was celebrated Friday morning as Leonardo DRS, a defense technology company, placed the final support beam atop its new manufacturing and testing facility at Bushy Park Industrial Complex in Goose Creek.
“We’re doing the top off, which is a ceremony that shows the progression of the plant and its completion. It’s a very big item for the community and our industrial site here. With DRS coming here, it’s going to employ a lot of folks with good-paying jobs and economic development for our community,” Cody Baker, Vice President of Business Development and Manufacturing at Bushy Park Industrial Complex, said.
Employees, local leaders and project stakeholders gathered to witness the placement of the final beam, marking the end of two years of hard work and commitment.
“So, the completion here will be roughly 140,000 square feet, a manufacturing facility focused on propulsion systems for the US Navy. So, it is very big, particularly given the history in Charleston with the Navy,” Baker said.
As the Navy continues its modernization efforts, the Charleston facility is set to play a vital role in advancing submarine propulsion technology, further solidifying the region’s significance in the defense sector.
Senior Vice President and General Manager for Naval Power Systems at Leonardo, Jon Miller, said this project marks a key moment in the future of U.S. naval capabilities.
“This is not just your average building. We’re going to be doing pretty special things here. We will be building large electric motors, which are the propulsion system for the next class of submarines for the US Navy. And then ultimately, we’ll also be building and testing steam turbine generators, which will power that motor and also provide the power for the submarines,” he said.
Miller said the 140,000-square-foot building will be used to support the U.S. Navy’s submarine and shipbuilding efforts.
“This is a great day for Leonardo DRS, and I’ll be a little bold and say a great day for the U.S. Navy. This is a big milestone for us to help. If you watch the news today, you know we’re in the middle of a Navy buildup, and this is a very important capability for the Navy. And this will be a national asset, one-of-a-kind facility when we’re finished. The only one in the country providing capabilities for our nuclear submarine,” Miller said.
He said Friday was a deeply patriotic day not just because the facility will help strengthen national security, but will also create jobs and boost the local economy.
Miller highlighted that one advantage of choosing the Charleston area for the facility is the opportunity to engage with local college and university students to help connect new graduates with job opportunities right out of school.
“So, one of the advantages of the Charleston area is we’re able to engage with local school systems and colleges in the area. So, we’ll be drawing both technician talent and engineering design talent to come in and help us with development and testing. So, we’ve already begun a great interaction with the local community, and I expect that just to continue to grow,” Miller said.
He anticipates the facility will start with just under 100 employees, with plans for the workforce to grow over time.
The facility is set to open in 2026 and is on track to receive its certificate of occupancy by November.
Copyright 2025 WCSC. All rights reserved.
New restaurant opens at Charleston-area public golf course. Expect more than typical clubhouse fare.
Parker Milnerhttps://www.postandcourier.com/food/now_open/momo-crowfield-goose-creek-new-restaurant-charleston/article_d89b6f62-f2e9-11ef-bbb0-a325a2b9c313.html
GOOSE CREEK — Goose Creek's vibrant food scene includes Brazilian bakeries, Filipino eateries and longstanding local pubs. B...
GOOSE CREEK — Goose Creek's vibrant food scene includes Brazilian bakeries, Filipino eateries and longstanding local pubs. But the city of about 50,000 residents has largely lacked a special occasion destination like the one Justin Moore is trying to create.
The chef's new venture just happens to be located on a golf course.
MOMO Crowfield is now open, serving a wide-ranging menu of chophouse classics and refined Southern fare. The nearly 500-seat restaurant with indoor and outdoor dining areas looks out over the Crowfield Golf Club, a public course owned by the city of Goose Creek. The culinary offering and ambiance, though, goes beyond typical clubhouse fare, Moore said.
Moore isn't the first Charleston-area chef to take over the kitchen of a golf course restaurant. In October, Michael Toscano of Le Farfalle announced plans to lead the culinary programming at 3’s Golf and Grill in Greenville.
"You don’t have to be a golfer to come eat," Toscano told The Post and Courier at the time. "Come enjoy the terrain, come enjoy the dining room overlooking the greenery; anybody can come out."
That's the message Moore is trying to broadcast with MOMO Crowfield, a spin-off of MOMO Riverfront Park, the North Charleston restaurant he owns with his wife Iryna.
"We're not the golf course. We're a restaurant at the golf course," the chef said.
Where the Riverfront location leans into seafood, MOMO Crowfield has a dedicated meat program, with aged filets, Iberico ham sliced by the ounce, truffle french fries, a wedge salad and signature burger, among other options. Seafood is highlighted with shrimp and grits, cornmeal-fried oyster sliders and smoked fish dip.
MOMO Crowfield is open from 11 a.m.-9 p.m. Tuesday through Thursday and 11 a.m.-10 p.m. Friday and Saturday. Brunch is served from 10 a.m.-3 p.m. on Sundays. For more information, visit momocrowfield.com.
Crowfield Golf Club is home to the new location of MOMO.
1 of 13
Jay Woodcox and wife Brittany Woodcox (left to right) laugh with David Maningding along with Steve Woodcox and Scarlett Woodcox and on the patio at at MOMO Crowfield Wednesday, March 12, 2025, in Goose Creek.
Shrimp and grits served at MOMO Crowfield Wednesday, March 12, 2025, in Goose Creek.
Ellie Hawkins, Weston Sims,12 and his mother Melissa Enos-Sims have dinner on the patio at MOMO Crowfield Wednesday, March 12, 2025, in Goose Creek.
Darrell Brooks, Kimberly Thomas, Damon Milford and Tarsya Mercer (right) meet for at MOMO Crowfield for a meeting about their upcoming community events Wednesday, March 12, 2025, in Goose Creek.
Jeremy Meyer and Michael Dutka use the putting green on the patio at MOMO Crowfield at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
Rachel Savini (center) spends the evening with friends at MOMO Crowfield Wednesday, March 12, 2025, in Goose Creek.
Burgers serves on the patio at MOMO Crowfield at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
Megan Savini, Julia Cox,Rachel Savini, Barbara Richardson and Hannah Cox spend time together at MOMO Crowfield that is now open at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
Haley Wright serves guests at MOMO Crowfield Wednesday, March 12, 2025, in Goose Creek.
The moon rises over the patio at MOMO Crowfield at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
Tammy Rogers and Joy Hardy spend time around the fire pit on the patio at MOMO Crowfield at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
MOMO Crowfield is now open at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
MOMO Crowfield is now open at Crowfield Golf Club Wednesday, March 12, 2025, in Goose Creek.
Goose Creek’s new art center, The Creek Collective, is nearing completion
Raymond Owenshttps://www.counton2.com/news/local-news/berkeley-county-news/goose-creeks-new-art-center-the-creek-collective-is-nearing-completion/
GOOSE CREEK, S.C. (WCBD) – Goose Creek’s new art center, The Creek Collective, is being constructed on Saint James Boulevard where a small white chapel once stood.“We are nearing the end of construction for the Creek Collective. This is an art gallery at the former site of the wedding and prayer chapel that we’ve been working on for the past few years,” explained Goose Creek Special Projects Manager, Alexis Kiser. ...
GOOSE CREEK, S.C. (WCBD) – Goose Creek’s new art center, The Creek Collective, is being constructed on Saint James Boulevard where a small white chapel once stood.
“We are nearing the end of construction for the Creek Collective. This is an art gallery at the former site of the wedding and prayer chapel that we’ve been working on for the past few years,” explained Goose Creek Special Projects Manager, Alexis Kiser.
City officials said they are very excited about the project. The building is designed to be a replica of the old wedding and prayer chapel that is replaced.
The cost of renovating for former chapel would have been more expensive than constructing a new building, and the new space would be about 140 square feet larger.
“The Creek Collective is a home for arts in Goose Creek. At our first show, we’re very proud to host the Goose Creek Artist Guild. We’ve worked with them for many years, and we’re very proud and honored to display their art as our very first show at this new location,” said Kiser. “It’s also going to be a base for people to come and try out some new art mediums for the first time. Everything from painting to crocheting to small clay works.”
This will be a place of art inside and out.
“There’s a beautiful patio space right to the right of the site, and we really want to focus on actively using that space with art. So, it’s just not in the gallery, it’s outside, too. Things like sculpture areas and butterfly gardens. There will be kind of seating areas for people to go and enjoy their lunch at the patio.”
City officials say they hope to open the Creek Collective as soon as the end of May.
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