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

Data center project planned in Ridgeville, South Carolina

A “significant” data center development is coming to Ridgeville, South Carolina.According to Dominion letters sent to the Public Service Commission of South Carolina, a company called Mallard, LLC is proposing ‘Project Dawson’; a data center development on land near Research Center Drive in Ridgeville, in South Carolina’s Dorchester County.The site, located to the northeast o...

A “significant” data center development is coming to Ridgeville, South Carolina.

According to Dominion letters sent to the Public Service Commission of South Carolina, a company called Mallard, LLC is proposing ‘Project Dawson’; a data center development on land near Research Center Drive in Ridgeville, in South Carolina’s Dorchester County.

The site, located to the northeast of Charleson, will have its own substation. Information about the site’s planned capacity – along with timelines – has been redacted.

Dominion said Mallard was investing a “significant” amount of capital into the project, which will represent a “substantial load” for the energy firm.

As reported by the Post and Courier, the company is being offered a special "economic development rider" rate that amounts to 6 cents for every kilowatt hour of power – half of what residential customers pay.

The SC Public Service Commission has to review any such deals, but is yet to set a meeting date.

John Truluck, Dorchester County's economic development director, told the publication he has not heard of Mallard LLC.

The Post notes the data center's location is the same parcels where a company operating as Autumn Timber LLC previously proposed to invest $510 million on an unspecified development at the Pine Hill Business Campus off Highway 17A.

Autumn Timber previously used ‘Project Dawson’ on a permit application with the SC Department of Health and Environmental Control. Dorchester County Council last month approved tax breaks, a water-service agreement, and a land deal for Autumn Timber – which has previously filed plans under ‘Project Orchid’.

Dorchester County officials previously agreed to sell about 268 acres it owns at Pine Hill Business Campus to Autumn Timber for $5.84 million.

The Post linked Mallard to Google, as the manager of the shell company is one David Thomas. A Google director of corporate strategy named David Thomas has previously been named on other Google-affiliated public documents.

Google currently operates a South Carolina data center campus in Moncks Corner, around 20 miles east of Ridgeville. The company recently acquired another 140 acres in the area.

Elsewhere in South Carolina, a company hiding behind the shell company Starskey LLC is proposing ‘Project Sabal’, which is reportedly a data center development outside Augusta in Graniteville, Aiken County. County officials granted tax incentives to Starskey earlier this year. The company reportedly acquired around 573 acres in the Sage Mill Industrial Park for $19.2 million last year. It's unclear if Starskey/Sabal are linked to Google or Mallard.

Next phase revealed for 1.4M-square-foot Ridgeville industrial center

Childress Klein, the project’s developer, and Altus Equity Group Inc., a real estate sponsor, operator and investment company, said the finalization of securing an $86.5 million loan needed for construction of their industrial project located in the Camp Hall Commerce Park has been arranged with New York Life Real Estate Investors, according to an Altus Equity Group Inc news release.This is said to be one of the largest historical spec build industrial projects within Charleston proper with the Camp Hall Commerce Park Campus 8, ...

Childress Klein, the project’s developer, and Altus Equity Group Inc., a real estate sponsor, operator and investment company, said the finalization of securing an $86.5 million loan needed for construction of their industrial project located in the Camp Hall Commerce Park has been arranged with New York Life Real Estate Investors, according to an Altus Equity Group Inc news release.

This is said to be one of the largest historical spec build industrial projects within Charleston proper with the Camp Hall Commerce Park Campus 8, the next phase of the larger Camp Hall mixed-use park, equaling more than 1.4 million square feet, according to the release.

“While construction started in June of last year, we are pleased to announce the closing of our financing for this project,” said Matt Harper, partner at Childress Klein. “Despite some headwinds in the capital markets, we were able to secure attractive financing through New York Life Real Estate Investors and look forward to working with them to complete construction in the second half of this year.”

Camp Hall has been ranked by “Business Facilities Magazine’s” annual rankings as the No. 7 best industrial park in the nation in 2022 – and the only industrial park to make the list in the Southeast. Moreover, the project’s access to Interstate 26 provides convenient connection to the logistics and distribution capabilities of the Charleston market, including the Port of Charleston and , the release said.

“We are extremely excited about this project,” said Andrew Eicher, Altus Equity senior vice president. “Charleston is a strong economic center with growing industrial demand from manufacturing, logistics, and the continued growth of the Port of Charleston. There are many complications in a deal of this size, and we appreciate the attentiveness of the local and state governments to the project. In addition to our trusted local industry relationships, Camp Hall and were instrumental in working through challenges as they arose during the pre-construction phases.”

Construction started in June upon purchase of the land, which was facilitated by Cushman and Wakefield’s Charleston Office. The Charleston office of Jones Lang LaSalle Inc has been selected as the leasing broker for the project by the combined management team, the release said.

Childress Klein has developed more than 51 million square feet of commercial real estate and owns assets valued at more than $3 billion.

“We continue to see opportunities in construction lending and look forward towards solidifying and expanding our relationships with top tier sponsors such as Childress Klein and Altus," said Elizabeth Roy, New York Life Real Estate Investors’ Structured Debt Team senior director.

Ridgeville SC: Untapped Paradise Amid Charleston's Expansion Draws Varied Demographics

Amid the bustling growth of Charleston, Ridgeville emerges as a serene haven, challenging the conventional rush towards urban living. With its rural charm and strategic location, Ridgeville presents an appealing alternative for those seeking respite from the city's clamor without straying too far from its conveniences. This article delves into the factors making Ridgeville an attractive destination for a diverse range of buyers, from young professionals to retirees, and explores the potential for both residential and commercial growth in thi...

Amid the bustling growth of Charleston, Ridgeville emerges as a serene haven, challenging the conventional rush towards urban living. With its rural charm and strategic location, Ridgeville presents an appealing alternative for those seeking respite from the city's clamor without straying too far from its conveniences. This article delves into the factors making Ridgeville an attractive destination for a diverse range of buyers, from young professionals to retirees, and explores the potential for both residential and commercial growth in this underappreciated gem.

Space to Breathe and Grow

Ridgeville, with its expansive plots and rural setting, offers a stark contrast to the densely populated areas of Charleston and its suburbs. Roni Haskell, a broker associate, and Haley Ebersole, a Realtor, highlight the town's appeal to those weary of homeowner associations and longing for more personal space. The lack of stringent zoning laws and the opportunity to live in a community without the constraints of a master-planned environment are significant draws. The current real estate listings in Ridgeville feature a variety of options, from charming ranch-style homes to plots ready for custom builds, catering to various preferences and needs.

Striking the Balance: Community Feel and Accessibility

Despite its rural allure, Ridgeville does not isolate its residents from the essentials of community living. The Winterseat Community stands as a testament to Ridgeville's ability to offer a gated subdivision experience without compromising on space or neighborly proximity. Furthermore, Ridgeville's proximity to Summerville, approximately 20 minutes away, ensures an easy commute for those working in or near the city, countering perceptions of the town's remoteness. This balance between accessibility and rural tranquility positions Ridgeville as an ideal locale for those seeking the best of both worlds.

Future Prospects: Residential and Commercial Growth

The influx of major companies into the Charleston area signals a looming demand for residential and commercial development in Ridgeville. As the population grows, so does the need for housing and infrastructure to support new residents. Haskell and Ebersole anticipate an uptick in new builds and commercial projects to cater to the expanding community, suggesting a horizon brimming with potential for Ridgeville. However, they also reassure current residents wary of rapid development that Ridgeville's charm and tranquility remain intact, promising a future that respects its pastoral roots while embracing inevitable growth.

Ridgeville stands at a crossroads of past and future, offering a unique proposition to those drawn to its untapped potential. As Charleston continues to expand, Ridgeville's appeal as a peaceful retreat that doesn't stray from modern conveniences becomes increasingly evident. Its evolution from overlooked to coveted reflects a broader trend towards valuing space and quality of life, making Ridgeville not just a place to live, but a lifestyle choice.

24-million-year-old fossilized whale bones unearthed near Ridgeville

RIDGEVILLE, S.C. (WCBD)- Researchers have confirmed the discovery of fossils belonging to a 24-million-year-old whale in Dorchester County.The newly discovered bones belonged to Eomysticetus, an extinct ancestor of baleen whales, according to experts. A team from Palmetto Fossil Excursions unearthed the fossils earlier this month along the Chandler Bridge formation near Ridgeville.“It was extremely exciting knowing how rare Eomysticetes are and knowing that’s what we were pulling out of the ground,” Founder Sk...

RIDGEVILLE, S.C. (WCBD)- Researchers have confirmed the discovery of fossils belonging to a 24-million-year-old whale in Dorchester County.

The newly discovered bones belonged to Eomysticetus, an extinct ancestor of baleen whales, according to experts. A team from Palmetto Fossil Excursions unearthed the fossils earlier this month along the Chandler Bridge formation near Ridgeville.

“It was extremely exciting knowing how rare Eomysticetes are and knowing that’s what we were pulling out of the ground,” Founder Skye Basak said.

Basak and Thomas Gilpin first located the posterior end of the Eomysticete’s skull around 6:00 p.m. on March 29.

The following day, Basak and Gilpin were joined by Joshua Basak, Dr. Elizabeth Kane, David Ryan, Ken Pullen, Mike Bona, and Dr. Robert Boessenecker to continue the excavation process.

By nightfall, the team had expanded the hole to nearly 25 feet wide and 10 feet deep and discovered several more bones—one lower mandible, the sternum, 10 vertebrae, including the atlas, multiple ribs, a flipper bone, and multiple throat bones.

“That’s all that we were able to locate in the bottom of the hole as of last week, but the hole needs to be expanded…so we can look for the rest of the animal,” Basak said.

The lower mandible was finally freed from the hole by about 9:30 p.m. on March 31 and a few hours later the 6-foot-long, 2,000-pound block containing the skull was also freed, according to Basak.

Dr. Boessenecker, a research fellow at the College of Charleston’s Mace Brown Museum of Natural History and one of the world’s leading experts on Eomysticetes, called the specimen a rare find as less than 20 complete skulls exist worldwide.

“It is likely to be more complete than the original specimen of Eomysticetus that was discovered in the 1970s,” he explained. “The more complete a fossil is, the more you can tell about its functional anatomy and how it may have behaved in life.”

Eomysticetes were the largest living whales during the Oligocene Epoch which dates back about 33.9 million to 23 million years ago, according to the American Museum of Natural History. They are believed to have been between 25 and 35 feet long, which is much smaller than modern baleen whales.

Researchers also believe that while the whales may have already had baleen, a filter-feeding system, which allowed them to eat zooplankton. There is also evidence to suggest that Eomysticetes may have also had a few residual teeth, according to experts.

Remains of the extinct whales have primarily been found in South Carolina, New Zealand, Japan, Washington, and Oregon. But, Dr. Boessenecker said the first named specimen of Eomysticetus was discovered in Ladson.

“There’s some isotopic evidence that they perhaps underwent seasonal migration,” he said.

After experiencing machinery-related setbacks, Basak said she hopes the team will continue the excavation efforts in the coming weeks.

“Knowing what this specimen will do for science is kind of mind-blowing, especially if we’re able to locate the rest of the animal and bring it to a point where it’s the most complete specimen of its kind,” she continued.

If you find a fossil in the ground or on the beach in the Charleston area, you can reach out to the Mace Brown Museum for identification.

Ridgeville residents in historically Black neighborhood push back against development

RIDGEVILLE — There are two ways that families spell the last name Coburn. There's "Coburn" as in Coburn Town Road and there's also "Cobin."Ethel Cooke, a lifelong resident in the predominately Black community, said her parents told her the mix-up probably comes from some of the neighborhood's ancestors who were sharecroppers."They couldn't read or write," she said.So the name was spelled on records however it ended up being pronounced.As Cooke sits, telling stories about the com...

RIDGEVILLE — There are two ways that families spell the last name Coburn. There's "Coburn" as in Coburn Town Road and there's also "Cobin."

Ethel Cooke, a lifelong resident in the predominately Black community, said her parents told her the mix-up probably comes from some of the neighborhood's ancestors who were sharecroppers.

"They couldn't read or write," she said.

So the name was spelled on records however it ended up being pronounced.

As Cooke sits, telling stories about the community of Coburn Town, the one about the names makes her and others smile. It's part of what makes this place special — the shared history — and a symbol of what could be lost as growth starts to transform the area.

"We don't know what's coming," said Elizabeth Crum Huffman, another lifelong resident.

Located off School Street, the Coburn Town community is surrounded by trees, open fields, a railroad track and a closed sawmill. Many of the original Black residents saved money and purchased land in the area following the end of slavery.

Nearly 180 acres surrounding the community were recently approved for rezoning by Dorchester County Council. Those rezoned parcels, including the old Ashley River Lumber Co., will now fall under what the county refers to as commercial light-industrial.

Officials expect it likely will soon hold a warehouse, but no development plans have been approved.

It's one piece of a larger list of changes that highlights Ridgeville as an area of growth. Other indicators include new housing developments, road projects and industrial spaces like the Walmart Distribution Center.

But with a question mark around its future, community members are reflecting even more on what the quiet and familiar community means to them and what it meant to their ancestors who purchased the land to have something of their own.

'We came up the hard way'

Though it's been years since farming was the main source of income in the community, it's still possible to see some of its agricultural roots.

There are open fields that sit on the edges and the rusted fences that used to hold livestock.

Take away the paved roads and some of the home renovations. Picture in its place a couple of wagons, tobacco and potato fields and mules, and it's easy to imagine what the place looked like when Black residents first poured into it.

Walking down Coburn Town Road, Huffman and her sister Virginia Crum said they can remember having to do farming chores as children and just tossing all of the seeds in the field without any order.

Harvest time would usually give them away, they said laughing.

Their father, Willie Kizer Crum Sr., and mother, Hermena Robinson Crum, had 10 children: seven girls and three boys. The couple married in the 1940s. Willie's father was a sharecropper.

Virginia Crum, a retired educator, said their father bought the land they live on now. Some of the things she remembers the most about him is he didn't like buying things on credit and always paid in cash.

Down the street lives James Wesley Duggins Jr., a 78-year-old man who grew up in Coburn Town.

Standing outside working in his yard, he laughed about how annoying the nearby railroad can be with the sound of trains coming through.

His father, James Wesley Duggins Sr., helped build the railroad tracks. "Look now, the machines do all that," Duggins said.

His family moved to the area around the 1920s.

While talking with the sisters, he reminded Crum she integrated Ridgeville Elementary when she was in the first grade. She was born in 1959.

"There's so much history," Crum said.

And while there are tons of happy memories, like playing baseball around some of the farm animals and staying over at each others' houses, the community also remembers how their elders struggled.

There were times as children when they had to run through the woods to avoid White children throwing rocks, Duggins said.

Huffman and Crum's mother often had to travel as far as Charleston to sell goods because the White residents in Ridgeville at the time severely underpaid them, they said.

"We had some strong Black people in the community," Crum said.

Cooke remembers being a child and having a White boy spit at her when they were in town one day.

"I said, 'Daddy, that ain't right,' " Cooke said. Her father, she recalled, encouraged her to let it go for her own safety.

She also remembers sitting outside and working in a yard for a family for whom her grandmother cooked and cleaned. She wasn't allowed to come inside the home.

After working in the yard, Cooke laughed and said all she got for it was an orange dress. "And it had a hole in it," she said.

She said she can't imagine what her grandmother was paid.

"We came up the hard way," Cooke said.

There was a time when everyone in their community was a Coburn-Cobin. But with different marriages, other names started to appear.

Two of Crum and Huffman's aunts married into the Coburn-Cobin family. One of the aunts married Cooke's grandfather.

Outside of marriages, they said, the community has always felt like one big family that supported each other.

When Cooke's family was struggling when she was raised, she said, Huffman and Crum's father would routinely give them potatoes to help them get by.

No one really knew or talked about it.

"Now you borrow sugar and the whole city would know it," Cooke said.

News

A growing town

On Nov. 1, as 180 acres surrounding Coburn Town was rezoned to commercial-light industrial, community members and descendants poured in to raise their concerns.

Many noted the things they wanted to see. Crum emphasized helping the schools and adding facilities like health and community centers. Huffman said she would love to see more sidewalks because she enjoys a daily walk.

Tim Lewis and Felicia Cobin can trace their history in the area as far back as 1829. Rebecca Cobin was buried near the community in the late 1940s. She was born in 1883.

"We really want to look at how we can grow together," Lewis said. "There's history here."

Business

Ridgeville's growth has been a big topic in the past couple of years. Federal funds around COVID-19 relief will bring $6.8 million in roadway improvements around the Ridgeville Industrial Campus.

At the same campus, a Walmart Distribution Center is slated to bring hundreds of jobs to the area, increasing truck traffic.

The county is also expanding water access. Many Coburn Town residents use wells.

Boom & Balance

In conjunction with new housing developments, there's a lot more movement in the Ridgeville area.

Dorchester County Councilman David Chinnis said many things the community wants depend on rooftops. No development plans have been approved around the rezoned property near Coburn Town.

"We don't know what's being built there," Chinnis said.

He encouraged residents to continue their involvement. But whatever comes, he said, the goal would be to protect the community with features like buffers.

The county is also looking to start working on a Ridgeville/Givhans Area Growth Management Plan. The plan has one more layer of council approval to go through before work can start on creating it.

The goal with the plan is to raise awareness about infrastructure concerns and funding. Local community members hope to be a part of the planning process. "Understand that this community is growing," Chinnis said.

And while a lot of the area community members are still wary, many said they still plan to keep pressing on the council to protect the community.

The unknown

Feelings around growth in Coburn Town are mixed.

Some are nervous with the uncertainty about what's to come and what it means about preserving their land and history.

“I was able to share that history with my children,” said Taneeka Wright.

Her grandfather, John Henry Pinckney, was a welder and mechanic who lived in Coburn Town. Her grandmother, Ethel Mae Pinkney, was a cook.

She said she enjoyed showing her children around the community and how she grew up. She remembers having to invent games with friends and families because there weren't a lot of things to play with.

“And I would love to share that history with my grandchildren," she said.

Others in the community are pessimistic and said they know significant change is inevitable.

"It's not going to be the same anymore," said Franklin Pinckney, a lifelong resident and a local high school football star at the old Harley-Ridgeville High School.

All he said he remembers now are the body aches.

Boom & Balance

"It's not going to be the same anymore," he said thinking about the future and the thought of hearing loud trucks and movement in a community that tends to be quiet and slow.

One resident said he doesn't have any fear.

"I like to try and be real," said Wendell Coburn, 81.

Coburn manages his dementia and lives with his wife Betty, 71. With his condition, Betty is still able to communicate with him and help him have conversations with people.

Community members said he might struggle with the present but he can still hold conversations about the past.

Wendell built their Coburn Town Road home more than 40 years ago. He was raised by a single mother who had to walk 3 miles to work.

He's known in the community as being someone who was always willing to lend a helping hand without even being asked. Residents said the influence of his mother and the community is all over him. "They preserved him for me," Betty said with a laugh.

She married into the community.

To Wendell, community connection and talking with people are important. He describes Corburn Town as a community of caring.

When asked to spell his last name, Wendell makes sure people know it's with the "urn" and not the "in."

"If you can't communicate with people, you're doing nothing," he said.

In a 1900 census interview of Ransom Coburn it points to the Coburn-Cobin family origin being in Virginia around the Jamestown area.

The descendants believe they came to South Carolina either for work collecting turpentine or constructing the railroads.

Reach Jerrel Floyd at 843-937-5558. Follow him on Twitter @jfloyd134.

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