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.
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:
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.
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.
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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.
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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.
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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.
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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.
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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.
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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.
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.
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.
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.
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.
A popular bistro is set to expand to Goose Creek this winter, bringing its signature comfort dishes to the area.Sunrise Bistro, owned by Brian Appelt, will open at 216 St. James Ave. in the former Bangkok Restaurant space, which previously housed St. James Place, restaurant broker Mike Santos of The Commonwealth Company told What Now Charleston.The 2,580-square-foot restaurant sold on ListingLedge.com.“It’s a good location–St. James Ave. St. James Place used to be there and t...
A popular bistro is set to expand to Goose Creek this winter, bringing its signature comfort dishes to the area.
Sunrise Bistro, owned by Brian Appelt, will open at 216 St. James Ave. in the former Bangkok Restaurant space, which previously housed St. James Place, restaurant broker Mike Santos of The Commonwealth Company told What Now Charleston.
The 2,580-square-foot restaurant sold on ListingLedge.com.
“It’s a good location–St. James Ave. St. James Place used to be there and that was a breakfast, lunch and dinner spot as well,” Appelt told What Now Charleston. “We don’t have a location in Goose Creek. There’s a lot of growth there, so we thought we could try it out.”
Patrons won’t miss the bistro’s sign, which will showcase a bold black design illuminated with halo lighting.
The menu highlights hearty breakfast staples such as the Hungry Howie plate, Nancy’s French Toast and the French Toast Sandwich. Bigger options include the Country Fried Steak Plate, Enchilada Rancheros and a loaded Breakfast Burrito, while the Grits Bowl and housemade corned beef hash offer classic Southern flavors. Open-faced omelets range from the veggie-forward Garden to the meat-heavy Little Pigs.
Lunch standouts include the Basil Bacon Grilly Cheese, the corned beef Reuben and the Chicken Philly. Seafood options include the Sunrise Po’ Boy, the fish and shrimp platter and the crab cake sandwich, with lighter choices like the Bistro House Salad and Strawberry Goat Cheese Salad.
The restaurant will feature a light, vibrant design highlighted by a mural of Sunrise Bistro along one of the walls.
“I’m excited about bringing our local vibe to different towns. It’s great to see the communities that we build in each of our locations,” Appelt said.
Sunrise Bistro, which opened in 2009, operates locations in Mount Pleasant, Johns Island, downtown Charleston and Summerville.
The team has not announced an official opening date for the Goose Creek outpost but is aiming for late December or early January. For updates, visit the Sunrise Bistro website and follow along on Facebook.
GOOSE CREEK, S.C. (WCSC) - Goose Creek veterans came together in an annual ceremony to honor all service members.The American Legion Post 166 along Howe Hall Road hosted its annual Veterans Day ceremony as they have for decades.The Post 166 Honor Guard performed a traditional Salute to Colors and a wreath presentation.David Coates served in the U.S. Navy and acts as the Honor Guard Captain for the post. Coates, along with the team, performed a three-shot volley rifle salute and presented flags. The tribute also typically...
GOOSE CREEK, S.C. (WCSC) - Goose Creek veterans came together in an annual ceremony to honor all service members.
The American Legion Post 166 along Howe Hall Road hosted its annual Veterans Day ceremony as they have for decades.
The Post 166 Honor Guard performed a traditional Salute to Colors and a wreath presentation.
David Coates served in the U.S. Navy and acts as the Honor Guard Captain for the post. Coates, along with the team, performed a three-shot volley rifle salute and presented flags. The tribute also typically takes place at funerals and events.
“It’s a recognition of all the services, all the servicemembers that have served in all the wars, and we gather every 11/11 at 11 a.m. and that’s the way it’s always been and always will be to pay homage to those that served in the wars and veterans in general.”
He says the Lowcountry’s large military presence adds to the importance behind the holiday. Coates says the day remembers and honors servicemembers of the past, present and the future.
The ceremony also included a prisoner of war/missing in action ceremony to remember prisoners of war and servicemembers who are missing in action.
The ceremony included a table for one to symbolize a person missing from military ranks. The table is covered in a white tablecloth to symbolize the purity of the military members’ intention of serving their country. A rose in a vase signifies the blood they may have shed for their sacrifices, as well as their families’ faith in their return.
Veteran and Judge Advocate Richard Trowbridge was the event’s speaker. Trowbridge says the holiday honors the fallen, active servicemembers and veterans who have served.
“We want to keep this idea of performing patriotism, and performing may sound weird, but sometimes you have to go out of your way a little bit,” Trowbridge says. “I assume it’s because I’ve got a 25-foot flag pole in my front yard. A lot of people don’t.”
He says this work keeps the legacy and sacrifices of service members alive.
“With anything in life, there is some sacrifice,” Trowbridge says. “Being in the military, sometimes it’s a little bit more enlarged. You’re leaving your family behind. I did one exploratory search for a year. It’s tough leaving your family behind for a year.”
Trowbridge says it is important for the community to keep traditions alive. One way he urges the community to give back to veterans is by saying “thank you for your service” to any veteran. He urges veterans to be more recognizable by wearing pins or caps.
The post hosts events throughout the year. You can find these events .
Vision Hospitality Group Awarded Management of SpringHill Suites Goose Creek, S.C.Vision Hospitality Group manages the upcoming SpringHill Suites by Marriott Goose Creek, a 109-room hotel set to open in early 2027. The hotel will feature flexible meeting space and spacious suites, aimed at accommodating both business and leisure travelers in the growing Goose Creek/Summerville area. The partnership reflects Vision's focus on quality and operational excellence.CHATTANOOGA, Tenn. &ndas...
Vision Hospitality Group manages the upcoming SpringHill Suites by Marriott Goose Creek, a 109-room hotel set to open in early 2027. The hotel will feature flexible meeting space and spacious suites, aimed at accommodating both business and leisure travelers in the growing Goose Creek/Summerville area. The partnership reflects Vision's focus on quality and operational excellence.
CHATTANOOGA, Tenn. – October 29, 2025 – Vision Hospitality Group, Inc., announced today that it will manage the upcoming SpringHill Suites by Marriott Goose Creek, a 109-room, all-suite hotel located at 205 Corbin Street in Summerville, S.C. Scheduled to open in early 2027, the property represents an exciting new development by Clarendon Properties, LLC, along with Commercial Realty Advisors Development (CRAD), as the project’s developers, and Vision Hospitality Group through a new strategic management partnership.
The new-build SpringHill Suites will offer 1,000 square feet of flexible meeting space, a stylish lobby bar and thoughtfully designed suites that provide spacious accommodations with distinct living, working and sleeping areas. Conveniently situated in the rapidly growing Goose Creek/Summerville corridor, the hotel will serve as a premier destination for both business and leisure travelers visiting the Charleston region.
Patrick O’Neil, COO of Vision Hospitality Group, shared his enthusiasm for the partnership:
“We are excited to collaborate with Clarendon Properties on this exceptional project, which reflects our shared commitment to quality and innovation. This new SpringHill Suites represents an important step in Vision’s continued growth through strategic management partnerships. We look forward to delivering the award-winning service and operational excellence that define the Vision brand.
“At Vision Hospitality Group, culture is the foundation of everything we do,” O’Neil added. “Guided by values of integrity, respect, teamwork and excellence, Vision fosters an environment where people are inspired to grow, innovate and deliver exceptional results. The company’s culture of care extends beyond its hotels — it’s reflected in how Vision supports its associates, partners and communities to create meaningful and lasting impact.”
The SpringHill Suites Goose Creek will embody this culture of purpose and passion, combining Marriott’s trusted brand experience with Vision’s dedication to innovation, operational distinction and hospitality that makes a difference.
With an anticipated opening in early 2027, the SpringHill Suites Goose Creek will enhance the area’s hospitality landscape and provide guests with a seamless blend of comfort, style and service excellence.
GOOSE CREEK — A Berkeley County woman was indicted on federal charges this month after allegedly stealing her employer’s identity and defrauding her boss of at least $175,000.The woman, Tiffany Nelson, pleaded not guilty to the allegations during an initial appearance in federal court on Oct. 28. She was indicted earlier this month on five counts, including wire fraud, mail fraud and aggravated identity theft.The owner and sole chiropractor at an unidentified medical practice in Goose Creek hired Nelson as an office...
GOOSE CREEK — A Berkeley County woman was indicted on federal charges this month after allegedly stealing her employer’s identity and defrauding her boss of at least $175,000.
The woman, Tiffany Nelson, pleaded not guilty to the allegations during an initial appearance in federal court on Oct. 28. She was indicted earlier this month on five counts, including wire fraud, mail fraud and aggravated identity theft.
The owner and sole chiropractor at an unidentified medical practice in Goose Creek hired Nelson as an office manager in December 2015. As part of her position, Nelson could access the owner’s company and personal bank accounts.
She also knew her boss’s birthday, Social Security number and address, as well as the login information and passwords for the owner’s life insurance policy and retirement accounts.
Throughout her time as the office manager, Nelson allegedly neglected to pay business expenses and diverted funds for her own personal use. This caused the business to fall behind on bills and impacted its operating income, according to the indictment.
Beginning in at least November 2020, Nelson allegedly devised a scheme to defraud her employer’s life insurance policy with MassMutual. She called the life insurance company while impersonating her boss and requested a $20,000 loan, according to the indictment.
About a year later, she allegedly began taking steps to also steal money from her boss’s retirement account with the Capital Group American Funds investment company. She requested to withdraw $25,000 from the IRA in December 2020 and $20,000 in January 2021, according to the indictment.
In total, Nelson is accused of directly or indirectly stealing $175,000, per the indictment.
If convicted of the charges, Nelson could face a mandatory minimum sentence of two years and as much as 20 years in prison. She would also be on the line for paying back what she stole.
Because her money may need to go toward restitution, Nelson was granted a $50,000 unsecured bond by Magistrate Judge Mary Gordon Baker during her initial appearance.
Conditions of Nelson’s bond include staying in communication with her federal public defender and probation officer, not breaking the law, not leaving the state without permission and not drinking alcohol or using drugs.
Nelson no longer is employed at the chiropractor’s office. She now works in insurance billing for another business, according to information shared during the hearing.
The government voiced concerns that the victim’s daughter believes Nelson’s current role gives her the same access to financial information that she allegedly used to defraud her previous employer.
Baker ordered Nelson’s probation officer to learn more about her current job.
If she has access to financial records, a third party may need to be notified as another condition of her bond, Baker said.