Mortgage Broker in Cottageville, SC

We know that many home loan officers have horrible reputations. Some brokers only see their clients as transactions, and a means to make quick money. They come off as impatient and pushy, failing to understand that this is a very big decision for you. At Mission One Mortgage, we take the opposite approach. We encourage our clients to take as much time as needed to ask us questions and review mortgage documents. We could say that our mission is to exceed your expectations, but we'd rather just show you. From assistance finding FHA, VA, or other loans to refinancing your current mortgage, Mission One is the team you can trust.

Here are just a few reasons why home buyers choose Mission One Mortgage:

No Additional Fees

No Additional Fees- Providing our client's services free of charge, using a mortgage broker like Mission One Mortgage can help you scout the best price on loans without a hefty price tag.

Access to 50 Lenders

Access to 50 Lenders- With access to a range of loans and interest rates available, Mission One Mortgage can shop for the best loans for your unique needs.

Accessible to Our Clients

Accessible to Our Clients- Providing a transparent and communicative service to all our clients, Mission One Mortgage ensures all phone calls are answered or returned in a timely manner.

Setting You Up for Success

Setting You Up for Success- Helping you prepare all your documents for pre-approval and the loan application, Mission One Mortgage will provide you with all the necessary information to secure the best loan.

Contact Us For Service !

Free Consultation phone-number (843) 822-5685

To understand the benefits of working with a mortgage broker, you must first understand their role in the home-buying process.

What Does a Mortgage Broker Do?

Your mortgage broker is a third party that works to connect you with mortgage lenders. Essentially, a mortgage broker works as an intermediary between a person who wants to buy a home and the entities offering loans to buy a home. The mortgage broker works with both the borrower and lender to get the borrower approved. They also verify and collect paperwork from the borrower that the lender needs to finish a home purchase. Typically, mortgage brokers have relationships with several home loan lenders. Mission One Mortgage, for example, has access to 50 different lenders, which gives us a wide range of home loans in Cottageville, SC, from which to choose.

In addition to finding a home loan lender, your mortgage broker will help you settle on the best loan options and interest rates for your budget. Ideally, your mortgage broker will take a great deal of stress and legwork off your plate while also potentially saving you money.

Help with the Pre-Approval Process

If you're ready to buy a home, getting pre-qualified is a great choice that will streamline the entire process. Your mortgage broker makes getting pre-approved easy by obtaining all the documents needed to get you pre-qualified. In taking a look at your application, they will determine if you're ready for the pre-approval process. If your application needs additional items, the mortgage company will help point you in the right direction to ensure your application is as strong as it can be. Your mortgage broker will also walk you through the different types of loans, from Conventional and FHA to VA and USDA.

In order to be pre-approved for a home in South Carolina, you must have the following:

  • Two Years of W2 Forms
  • 30 Days of Pay Stubs from Employer
  • 60 Days of Bank Statements
  • A Valid Driver's License

Conventional Mortgages

Conventional loans can be used to purchase a new home or refinance your current one. Conventional loans include fixed-rate mortgages and adjustable-rate mortgages. Generally, borrowers must put down a 3% down payment for owner-occupants, 10% for a vacation property, and 20% for an investment home. If you are able to pay 20% of the total cost of the home, you can avoid private mortgage insurance, which is otherwise required. Conventional mortgages are often preferred by buyers with good credit or people needing a non-owner-occupied mortgage.

 Mortgage Broker Cottageville, SC
 Mortgage Company Cottageville, SC

FHA Loans

FHA mortgages are issued by the U.S. government and backed by the Department of Housing & Urban Development (HUD). This loan is often preferred by first-time homebuyers because it only requires a 3.5% down payment and offers more flexibility with credit requirements and underwriting standards. FHA loans have several requirements you must meet to qualify. Contact Mission One Mortgage today to learn more about FHA loans and whether or not they're best for your financial situation.

USDA Loans

Also backed by the government, these loans are insured by the U.S. Department of Agriculture and don't require money down. These loans have lower insurance requirements when compared to FHA loans, offer 100% financing if you qualify, and allow for closing costs to be covered by the seller. In order to qualify for a USDA loan, you must live in a rural area, and your household income must meet certain standards. These loans are often preferred by low-income citizens who live in rural parts of South Carolina.

 Mortgage Lending Service Cottageville, SC
 Refinancing Cottageville, SC

Veteran Mortgages

Also known as VA or Veteran's Affairs loans, these mortgages are reserved for the brave men and women who served in the military. VA loans help provide our military members, veterans, and their families with favorable loan terms and an easy home ownership experience. Often, those who qualify are not required to make a down payment on their home. Additionally, these loans often include less expensive closing costs.

If you are a veteran or the family member of a veteran, contact Mission One Mortgage today to speak with our Vetted VA Professional, Debbie Haberny. Debbie helps our military members, veterans, and their family members obtain home loans utilizing veteran benefits and would be happy to help as you search for a home.

Q. I was talking to my spouse about mortgage brokers, and they mentioned the phrase home loan originator. What's the difference between a broker and a loan originator?

A. The mortgage industry is full of confusing jobs and titles, making it easy to confuse roles and responsibilities. Such is the case with mortgage brokers and home loan originators. Though their roles share similarities, a home loan originator in Cottageville, SC, works for a bank or credit union, while a mortgage broker works for a brokerage company. Home loan originators and mortgage brokers are both licensed by the Nationwide Multistate Licensing System (NMLS).

Q. I've heard from everyone that you must have mortgage insurance to buy a home. What is mortgage insurance?

A. Essentially, mortgage insurance helps protect lenders if a borrower forecloses on the home they bought. One advantage of mortgage insurance is that when borrowers pay it, lenders can often grant loans to buyers when they might not have otherwise. Though not always required to buy a home, mortgage insurance is often needed for down payments of less than 20%.

Q. I have just been pre-approved to buy a beautiful home in South Carolina. Is there anything I shouldn't do now that I'm pre-qualified?

A. Mortgage companies like Mission One Mortgage, make getting pre-qualified for a home easy. However, as your loan process continues, your lender is required to run a new credit report before closing on a home. For that reason, it's to avoid any activity that might affect your credit score, such as:

  • Do not become a co-signer on a loan with someone else.
  • Do not quit or change your job.
  • Do not apply for new credit cards, automobile loans, or any other lines of credit.
  • Do not use your credit card to pay for large purchases, like furniture for your new house.
  • Do not avoid payments on current lines of credit, loans, or utility bills.

Q. My brother-in-law recently refinanced his home in South Carolina. What is refinancing, and should I consider refinancing my home too?

A. Refinancing your home basically means you're swapping your current mortgage for a new one, most often with a lower interest rate. If you would like to reduce the term of your loan, lower your monthly mortgage payments, or consolidate debt, refinancing may be a smart option. Many homeowners also choose to refinance if they want to switch from adjustable-rate mortgages to fixed-rate mortgages or to get cash back for home renovations. To learn whether refinancing is a viable option for your situation, contact Mission One Mortgage ASAP, as loan rates change frequently.

Mission One Mortgage: Turning Dreams into Reality, One Mortgage at a Time

Head-bottom

Here at Mission One Mortgage, we believe that the best communities begin with the dream of home ownership. Our mission is to make those dreams come true, with personalized service, expert guidance, and good old-fashioned hard work. As one of the most trusted mortgage companies in Cottageville, SC, we have years of experience working with a diverse range of clients, from first-time buyers and investors to self-employed borrowers and non-native English speakers.

Though every mortgage situation is different, one thing never changes: our commitment to clients. Contact our office today to get started on an exceptional home-buying experience.

Contact Us For Service !

phone-number (843) 822-5685
 Refinances Cottageville, SC

Latest News in Cottageville, SC

Cowboy Church sings praise in Cottageville

A few years ago David Stanfield, with the help of many other people, converted his old horse barn into a church. “I love people,” said Stanfield, “Now I finally have something that draws people.” Stanfield holds the service every Sunday at 6pm at Horseshoe lake in Cottageville.Buy NowFrankalina Marie signs the hymns during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. “When the group is singing they are singing w...

A few years ago David Stanfield, with the help of many other people, converted his old horse barn into a church. “I love people,” said Stanfield, “Now I finally have something that draws people.” Stanfield holds the service every Sunday at 6pm at Horseshoe lake in Cottageville.

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Frankalina Marie signs the hymns during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. “When the group is singing they are singing with all their heart,” said Marie. “Its real stuff, there’s no pretend, there’s no show, we’re so glad that everybody is here.” Michael Pronzato/Staff

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Sofi Moore, 6, with her mom Kristina Harris during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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Mama Sue sings during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. “This is like my second family, said Mama Sue, “It is my home away from home.” Michael Pronzato/Staff

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Brenda Smith sings the hymns during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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Members of the Cowboy Church play during their Sunday service in Cottageville on Sunday, June 4, 2017. David Stanfield, center, with the help of many other people, converted the old barn into a church. “God gave me cheap lumber,” said Stanfield. Michael Pronzato/Staff

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Lyla Youmans, 4, sits with her mom Chelsea Mixson during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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Rose Marie Fender sings the songs that are played during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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Lyla Youmans, 4, sits with her mom Chelsea Mixson during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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Hymnals are placed in the hand made pews during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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David Stanfield laughs with James Poole and Joan Newberger after Poole questioned him for not liking greens before the Cowboy Church service in Cottageville on Sunday, June 4, 2017. “You live in the south and you don’t like greens?” said Poole. Michael Pronzato/Staff

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John France, left, plays pool with a friend outside the church before the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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Kristina Harris digs in to the large spread of food prepared by Derrick Edwards after the Cowboy Church service in Cottageville on Sunday, June 4, 2017. “Were all family here,” said Chef Edwards. Michael Pronzato/Staff

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Sofi Moore, 6, dances after eating dinner at the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Behind the church is a lake and a small beach that the attendees can fish from or take a boat out on the lake. Michael Pronzato/Staff

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David Stanfield runs the Cowboy Church service and other amenities around the property in Cottageville on Sunday, June 4, 2017. “I love people,” said Stanfield, “Now I finally have something that draws people.” Stanfield takes pride in his way of having church. Michael Pronzato/Staff

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Greater Cottageville Chamber of Commerce ready to thrive

Cottageville residents have seen change in their community in the last few years, and now the Greater Cottageville Chamber of Commerce is ready to encourage more improvements.Frank Santorella, a resident of Cottageville, said he is proud of the small town and wants to showcase its beauty, friendly people, and excellent location.“We want to create a chamber of commerce here. We already have a 501-3C non-profit status, Maryann Blake is serving as our attorney, and we are ready to roll,” said Santorella. “We have...

Cottageville residents have seen change in their community in the last few years, and now the Greater Cottageville Chamber of Commerce is ready to encourage more improvements.

Frank Santorella, a resident of Cottageville, said he is proud of the small town and wants to showcase its beauty, friendly people, and excellent location.

“We want to create a chamber of commerce here. We already have a 501-3C non-profit status, Maryann Blake is serving as our attorney, and we are ready to roll,” said Santorella. “We have ‘Friends of the Park’ which is comprised of people who helped develop the park into what it is now.” He says there are also plans at the park to install a memorial with engraved bricks to honor veterans. This will be accomplished by applying for grants and accepting donations.

Santorella, who plans to initiate the chamber, will serve as a temporary director. He says he already has seven merchants who are interested in joining.

“We want to make Cottageville a destination. Red Brick Pizza and Beer Garden is the anchor store for starting the chamber,” said Santorella. “It’s a one-of-a-kind business in the entire region. Once the chamber officially opens, we want to pick a member of the chamber and promote that business each week, and once a month promote everyone. There will be a rotation, and this will be good for everybody.”

He went on to say that the brick-and-mortar stores are the life of Cottageville, not the transient businesses. He feels that transient businesses will not want to invest their funds in the chamber, but the stationary businesses are here to stay.

“I think the people of Cottageville will be positively affected by the chamber and will accept it with open arms. Hopefully, this will bring even more businesses our way. Our only option now is to travel to Summerville or Walterboro to purchase some items. That’s between 15 to 20 miles away. Cottageville has a lot of people in the rural areas, and though our local gas stations try hard to serve the needs of the community, it would be nice to have boutique shops here. We already have a new vape store that has a coffee bar. So we are starting off well,” said Santorella.

He is hoping to have the new chamber up and running by the end of the first quarter of 2022.

“There will be a fee for stores to become part of the chamber,” said Santorella, who gathered ideas and patterned the Cottageville chamber after the City of Walteboro’s. “I received ideas on how to structure the fees. They won’t be impressive because social media provides a lot of free advertising. We will have a website and newsletter for the community. We will be out there,” he added.

Anyone interested in joining the new chamber can write to: Greater Cottageville Chamber of Commerce, P.O. Box 464, Cottageville, SC, 29435. Businesses can also contact Santorella on Facebook at Friends of the Park or call The Vape Stop at 843-701-4262.

Cottageville mayor receives backlash on proposed gun changes

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COLLETON COUNTY, S.C. (WCSC) - The town of Cottageville is considering two proposals that would change their current gun laws.

As the ordinances are written, one would prevent anybody from bringing a gun or any kind of weapon on town property including town hall and the town owned park.

The second ordinance would prevent anybody from pointing or shooting a gun inside town limits.

On Tuesday, the town of Cottageville held a public hearing for both ordinances. Residents specifically had a problem with the second ordinance.

At the hearing, only Cottageville residents were allowed to speak. Gerald Grener, who lives in the county but not within town limits, said the ordinances were still concerning to him.

“The way the ordinances had been written is not quite clear and definitely needs to be gone over correctly,” Grener said. “There are only certain laws they can implement and they have to follow state law.”

Cottageville Mayor Tim Grimsley believes the ordinances have been misinterpreted and blown out of proportion.

“We have not changed any laws. We abide by state statutes,” Grimsley said. “We’re not trying to do anything with their second amendment rights at all.”

He says he just wants people to use guns responsibly, and to not carry them on town-owned property.

The ordinances specifically mention black powder guns. The mayor says the intent is to keep them off of the town’s park.

“These people that carry black powder pistols, they’re loaded, and they’re capped which means they’re ready to fire," Grimsley said."And there’s a loop hole, a law, that says they can do that."

At the next town council meeting the mayor says he will recommend that they table the ordinances and keep things the way they are now.

Copyright 2020 WCSC. All rights reserved.

Investigators respond to Colleton Co. storage building fire, collapse

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COTTAGEVILLE, S.C. (WCSC) - Colleton County fire investigators are working to determine the cause of a fire that destroyed a large storage building in Cottageville.

Colleton County Fire-Rescue responded at approximately 7:30 a.m. Monday to a 911 call about a building on fire on Cone Court just off Highway 17A.

Firefighters say by the time they arrived at the scene, the building had already collapsed.

They worked for more than two hours to bring the fire under control.

No injuries were reported in the fire.

Copyright 2023 WCSC. All rights reserved.

Where to see Christmas lights in the Charleston area

CHARLESTON, S.C. (WCBD) – Grab a cup of hot chocolate and turn the Christmas tunes on the radio – there are several options for checking out Christmas lights beyond your neighborhood.Enjoy a night with friends and family as you drive through bright shining lights on display in Moncks Corner, North Charleston, Cottageville, and the largest drive-thru holiday light event at James Island County Park. ...

CHARLESTON, S.C. (WCBD) – Grab a cup of hot chocolate and turn the Christmas tunes on the radio – there are several options for checking out Christmas lights beyond your neighborhood.

Enjoy a night with friends and family as you drive through bright shining lights on display in Moncks Corner, North Charleston, Cottageville, and the largest drive-thru holiday light event at James Island County Park.

Holiday Festival of Lights – James Island County Park871 Riverland Dr, Charleston

A trip to the Holiday Festival of Lights at James Island County Park is a Christmas-time tradition filled with thousands of dazzling lights and displays.

Guests are invited to drive along a three-mile stretch lined with more than 700 light displays each night through December 31. A stop at Winter Wonderland – about halfway through the drive – gives you an opportunity to stretch your legs and view the area’s largest holiday sand sculpture.

You can view shops, search for gifts, or enjoy sweet treats or a cup of hot chocolate. Hop on a train ride for a fun look at light displays or take a stroll through the Enchanted Walking Trail for a fun look at nature-themed light displays.

Santa Claus will meet children each night from November 21 – December 23. Plus, enjoy an array of large greeting cards decorated by students from across the Charleston area.

Ticket prices on a regular night will cost $15 per vehicle if purchased online at HolidayFestivalofLights.com or $20 at the gate. Peak night prices increase to $25 per vehicle online and $30 at the gate.

The 33rd Annual Holiday Festival of Lights is open every evening from November 11 through December 31 from 5:30 p.m. until 10:00 p.m.

The Lights at Park Circle4800 Park Circle, North Charleston

Pack up the car and take a drive or go for a relaxing stroll around North Charleston’s Park Circle to see dozens of Christmas light displays.

Trees, lights, and displays will be shining bright around the circle at the Felix C. Davis Community Center.

City leaders say the lights will shine until New Year’s Day. There is no fee to enjoy the lights.

Bee City Zoo’s Christmas Wonderland of Lights1066 Holly Ridge Ln. Cottageville, SC 29435

On select nights in November and December, guests can enjoy a combination of animals and Christmas lights at Bee City Zoo’s Christmas Wonderland of Lights festival.

Santa Claus will make a special appearance during some nights of the event for a photo opportunity.

Those attending can also attend an ‘Australian Walkabout’ which is included in the price of admission. And for some additional costs, you can enjoy roasting s’mores, ornament decorating, grabbing a cup of hot chocolate, or feeding animals during the festival.

Admission is $12 or you can purchase a combo pass which includes day access to the zoo and entry to the lights at $20. Click here to learn more.

Holiday Lights Driving Tour – Old Santee Canal Park900 Stoney Landing Rd, Moncks Corner

Celebrate the season with family and friends on a driving tour filled with sparkling Christmas lights and displays at Old Santee Canal Park powered by Santee Cooper.

The event runs each night from 6:00 p.m. until 9:00 p.m. from November 25 – December 30. It will be closed on Christmas Eve and Christmas Day.

Admission to the event is $5 per vehicle. Proceeds benefit local charities.

Guests will enter the Holiday Lights Driving Tour at 1 Riverwood Drive in Moncks Corner.

“The beautiful LED lighting displays are powered by 100% Santee Cooper Green Power, which is Green-e Energy certified and meets the environmental and consumer-protection standards set forth by the nonprofit Center for Resource Solutions,” organizers said.

Santee Cooper is also inviting guests to attend its two-night event ‘Holiday in the Park’ on November 24 and 25. You’ll have the chance to meet Santa Claus, enjoy crafts, roast marshmallows, and sample some seasonal foods.

“This event is included with admission to Holiday Lights Driving Tour, which runs through Dec. 30, so you can start your holiday season early at this fun-filled meetup,” said organizers.

To learn more or purchase tickets online, please click here.

Cougar Night Lights – The College of CharlestonNear the corner of George and St. Philip Streets

A holiday tradition that brings a fun and dazzling light show to the College of Charleston’s Cistern Yard and Randolph Hall will light up with the spirit of the season each night, offering a holiday light show featuring festive music and visual performances each half-hour from 6:00 p.m. until 9:00 p.m.

The display will be open to the public beginning December 1 through January 2. It is free to view and this year’s show will include new music and lighting displays.

Visitors can find the Cistern Yard at the corner of George and St. Philip Streets. Public parking garages are available at two nearby locations – the George Street Garage and the St. Philip Street Garage.

Did we miss something? Email us with details about a local Christmas light show.

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