Few purchases give you a sense of pride and accomplishment like buying a new home. From white picket fences and lush green grass to cookouts with neighbors and holidays with the family, owning a home is magical. Like most great things, though, enduring the home-buying process takes a lot of work. There are many steps to take and difficult decisions to make along the way. One of the most crucial decisions is what type of home loan and mortgage broker to choose. Whether it's your first time buying a home or you're a seasoned owner with multiple properties, you will need a trusted mortgage broker in Goose Creek, SC, with your best interests at heart.
If you're like most people, you need a mortgage professional whose top priority is their customers - an expert who can provide accurate advice and guidance so you can make educated decisions. That's where Mija Mortgage comes into the picture.
Whether you want the best interest rates or don't know where to start in the home-buying process, Mija Mortgage can set you up in the right direction. From getting you pre-qualified to buy a home to securing a veteran's loan, Mija Mortgage is the trusted solution you need. As Goose Creek natives, we're proud to serve the Lowcountry and all of South Carolina with trusted mortgage brokerage services.
Unlike some mortgage companies in Goose Creek, SC, we bring years of high-level experience and insight to the table. Having worked with hundreds of clients during our time in business, we know you're probably going through a range of emotions right now. Buying a new home can be a scary process, especially for first-time buyers. That's why we make every effort to make ourselves accessible and available for clients. Our primary goal is to help you make the right mortgage for your family and your budget.
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 Mija 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, Mija is the team you can trust.
Here are just a few reasons why home buyers choose Mija Mortgage:
Most people simply don't have access to the hundreds of thousands of dollars needed to purchase a home with cash. Instead, they take out a mortgage loan to buy a home. Unfortunately, many homebuyers are anxious to get the ball rolling and, due to their excitement, fail to shop around for the best mortgage rates. To some degree, avoiding this step makes sense, as it requires a lot of legwork and research to get the job done. For those not wanting to spend hours researching a reasonable mortgage, there's an alternative to consider - working with a mortgage broker.
To understand the benefits of working with a mortgage broker, you must first understand their role in the home-buying process.
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. Mija Mortgage, for example, has access to 50 different lenders, which gives us a wide range of home loans in Goose Creek, 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.
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:
Most people choose to use a mortgage broker because they have access to different lenders and interest rates. But a great mortgage broker brings more to the table than a choice of lenders.
Save You from Unneeded Stress:One of the biggest advantages of hiring a mortgage broker is that they can find and vet loans while managing the mortgage process on your behalf. The best mortgage companies, like Mija Mortgage, hire brokers who are experts at keeping underwriting on track, coordinating with relevant parties, and handling all paperwork involved. At the end of the day, mortgage brokers save you stress and time and often expedite the closing process.
More Access: We touched on this earlier, but it bears repeating: A mortgage broker provides access to a range of loans, rates, and lenders. In fact, many mortgage brokers can get rates lower than what the average person could get from a lender.
Save You Money: There's a chance that your mortgage broker can get your mortgage fees reduced or waived by the lender, which could save you a good deal of money.
Help with Unfavorable Financial Situations: Expert mortgage brokers can often assist in challenging financial situations, like when a buyer has inconsistent income or less-than-perfect credit. Experienced brokers, like those at Mija Mortgage, are often aware of lenders willing to will work with nontraditional borrowers.
Provide Key Insights: Mortgage brokers share important insights, such as your chances for a home loan approval and exactly how much house you can afford. They can also save you from making costly mistakes based on their years of expertise in the mortgage industry.
While settling on the best type of home loan isn't as exciting as searching for the home of your dreams, it's equally important. Yes, your Mija Mortgage loan officer in Goose Creek, SC, will be happy to help explain the differences between home loans. But understanding the basics ahead of time will save you stress and time in the long run.
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.
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 Mija Mortgage today to learn more about FHA loans and whether or not they're best for your financial situation.
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.
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 Mija 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.
Do you have questions about the complexities of mortgages and home loans? As your advocate, Mija Mortgage is here to answer any questions you have about mortgages and the home-buying process. We encourage you to call our office to speak directly with one of our mortgage experts or continue reading below for answers to some frequently asked questions.
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 Goose Creek, 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 Mija 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:
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 Mija Mortgage ASAP, as loan rates change frequently.
Here at Mija 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 Goose Creek, 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.
A brand-new park opened in Goose Creek on Friday with the focus of being “a park built for everyone.”Published: Fri Dec 16 2022GOOSE CREEK, S.C. (WCSC) - A brand-new park opened in Goose Creek on Friday with the focus of being “a park built for everyone.”The $9 million project, Central Creek Park, hopes to be inclusive towards everyone with volleyball and basketball courts, a splash pad, a food truck pavilion and pickleball courts.Over 26,000 square-feet, ‘Debra’s Playground&rsq...
A brand-new park opened in Goose Creek on Friday with the focus of being “a park built for everyone.”
Published: Fri Dec 16 2022
GOOSE CREEK, S.C. (WCSC) - A brand-new park opened in Goose Creek on Friday with the focus of being “a park built for everyone.”
The $9 million project, Central Creek Park, hopes to be inclusive towards everyone with volleyball and basketball courts, a splash pad, a food truck pavilion and pickleball courts.
Over 26,000 square-feet, ‘Debra’s Playground’ will offer a wide range of accessible activities for people with physical or visual disabilities. The surfacing is all wheelchair accessible, and the equipment is based on sensory items for everyone to enjoy.
Families who include children with disabilities were the first invited to play at the park after this morning’s ribbon cutting. Nicole Valentine, mother to her special needs daughter, says other parks have never really been concerned about including all the different aspects of sensory play before.
“It’s never really kept in mind the heart of all children to be fully inclusive, and even down to having the fence around for those kids who love to run,” Valentine says. “It’s very important and it does so much for parent’s safety concerns to be able to just come here, and you almost get a little bit of relief watching your children play and not be so stressed out.”
The City of Goose Creek hosted a tribute to the donors of the park ahead of the ribbon cutting ceremony. Goose Creek Recreation Director Crystal Reed addressed the city and sponsors after working for months on the development.
“Central Creek Park sets our community apart and creates opportunities to remove barriers, increase self-esteem, develop community culture where everyone benefits from health, fitness and social connections,” Crystal says. “Thousands of children and adults across Berkeley County of all abilities have benefited from our therapeutic recreation program over the past several years; because of you, we just raised the bar with Central Creek Park.”
Parents of children with special needs say that it means the world to them to see their children experience a park they can truly enjoy. Kathy Kackley, parent to Trista Kutceher, travel the U.S. together promoting inclusivity in parks and compared other parks to Central Creek Park.
“There’s something here for everyone; there’s something here everyone can do,” Kackley says. “We like to be inclusive in our play and in our life, and we are very appreciative that Goose Creek has stepped up and has a place for everybody to play together.”
Goose Creek Assistant Recreation Director, Nicole Herrera Murray, explains how the city worked to choose specific pieces of equipment for special needs children to use. After planning and researching for months, she says Friday was a dream come true.
“I’ve been dreaming of this day for a really long time. It’s really amazing to see everyone enjoying and hearing the screams behind us is just everything that I’ve ever wanted,” Murray says.
The public is invited to join in on the fun Friday from 5 p.m. to 9 p.m. or Saturday from 11 a.m. to 2 p.m. at 47 Old Moncks Corner Rd.
Copyright 2022 WCSC. All rights reserved.
Central Creek Park is dubbed “a park for all” and so far it has been just that since opening on Dec. 16, 2022. The site on Old Moncks Corner Road has been a big success and the only real problem is finding a parking space.It’s the three-month anniversary for Central Creek Park and it is as welcoming as envisioned when plans got rolling on the park over two years ago.It was once just an idea for a playground but the 13-acre site is now a top destination.The area offers pickle ball and basketball courts, ...
Central Creek Park is dubbed “a park for all” and so far it has been just that since opening on Dec. 16, 2022. The site on Old Moncks Corner Road has been a big success and the only real problem is finding a parking space.
It’s the three-month anniversary for Central Creek Park and it is as welcoming as envisioned when plans got rolling on the park over two years ago.
It was once just an idea for a playground but the 13-acre site is now a top destination.
The area offers pickle ball and basketball courts, a massive pavilion, a stage for concerts and movie nights, walking trails, greenspace and a giant playground that offers enrichment to the special needs community.
“The park has been packed,” said Hannah Miller, the Therapeutic and Community Programs Coordinator for Goose Creek. “I think everyone is a bit surprised about having this kind of resource. Everybody jokes we don’t have enough parking spaces. You pull up there in the morning and everyone is playing pickle ball, or getting an early start on the playground.”
And it’s not just early in the day, Central Creek Park is busy both day and night because there is such a variety of things to do.
“Then you drive by in the evening and the basketball courts are packed. I don’t have exact numbers but we have a few hundred different parking spaces and they are practically always full,” said Miller.
The $9.5 million park was built with the help of major donors and the business community. The spot is for everyone of any age or ability.
“We get a lot of compliments about how beautiful it is and how well it was organized and about how well it’s running,” she said. “We get a lot of thanks and a lot of praise for like, ‘My children haven’t always been considered so now they have a place they can go and feel safe and have a place to play.’ It’s been all compliments which is kind of overwhelming.”
The park, on the old site of the old Casey Recreation Center, is not only popular with Goose Creek residents, those from outside the city have been arriving as well.
“Not a day goes by that somebody is like, we drove here from North Charleston or we drove here from Summerville. It is really an attraction point and people are utilizing it,” said Miller. “It’s been a joy to have in the community, it’s been an honor to work there and be a part of the project. I think it’s going to be a staple for really long time to come.”
GOOSE CREEK, S.C. (WCIV) — Tonight, the City of Goose Creek is expected finalize its plans for a new 300-unit apartment complex coming to Henry Brown Boulevard, as the city’s Board of Architectural Review will make its final recommendations to the developers for adjustments.The complex will take up 24 acres adjacent to Henry Brown Blvd. With 10 three-story buildings surrounding a central pond. The complex will include amenities such as a dog park, pedestrian walkway and a five-story garage.Read More:...
GOOSE CREEK, S.C. (WCIV) — Tonight, the City of Goose Creek is expected finalize its plans for a new 300-unit apartment complex coming to Henry Brown Boulevard, as the city’s Board of Architectural Review will make its final recommendations to the developers for adjustments.
The complex will take up 24 acres adjacent to Henry Brown Blvd. With 10 three-story buildings surrounding a central pond. The complex will include amenities such as a dog park, pedestrian walkway and a five-story garage.
Read More: City of Goose Creek board to review plans for 300-unit apartment complex
However, it has been a long time coming to get to this point. The conceptual design was initially approved over a decade ago. The development is zoned under a “Pre-Existing Development” which outdates projects which were approved by the current city council and Goose Creek Mayor Greg Habib.
But with the population in goose creek growing by over 25 percent over the past decade, the main concern for residents is making sure the infrastructure is in place to fit the current state of the city.
“I feel that we're kind of at the mercy of the builder at this point, because they were approved so long ago, before the vision of what it should be for Goose Creek. So, anything that the [Board of Architectural Review] recommends or anything like that, it's kind of limited what they can do,” Goose Creek Resident Eric Bennett said.
How a new 300-unit apartment complex will shake up the Goose Creek area in the future. (WCIV)
“I really think that the city council, I think that the mayor is working with these builders and talking to them, and seeing how they can come to some middle ground and anytime that you're able to communicate, anytime that people are willing to meet in the middle, then everybody wins," Bennett continued.
Since the project was approved already the BAR can’t stop or reject the apartment complex from being built. The board of architectural review will make recommendations including lighting, signage and elevation at tonight’s meeting.
But the question for a lot of residents remains how those in charge will handle the project which was approved in a very different Goose Creek than we are seeing today.
There are already some changes in the works as the city has is nearly two years into their project to expand a portion of Henry Brown Blvd. from a two lane road to a four lane road.
Read More: Does Goose Creek need more apartments? Leaders, community members weigh in
The bigger concern for residents is the infrastructure around the building, with one of the key elements being storm water management. This has been a problem for the city and greater Berkeley County area for a while, especially after we saw flooding impacts from Hurricane Ian and Tropical storm Nicole hit those areas.
While some say the complex isn’t a negative for the city, residents do say they want to see the right steps made in the implementation of this new building to fit into the city’s current structure.
“The challenge that you have, though is where does the money come to get that infrastructure put in place? And the answer to that is to the growth, right? Putting these projects and the impact fees that come from these projects towards that infrastructure, the tax revenue, and everything else from the property taxes and stuff is what's going to drive the ability to improve that infrastructure,” Bennett said.
Read More: Proposed plans for downtown Charleston apartment complex causes controversy
In a statement provided to us from the City of goose creek officials says in part quote:
All stormwater requirements required by the county will be in place for these or any developments.
But there was no statement on whether the city or county as a whole would plan to change any of those with the new building in place. It is important to note most of the Stormwater Management or external infrastructure management comes from Berkley County and not the city of Goose Creek.
City officials also said developers now need to have any new apartment complex approved by the current mayor and council for full approval. Something which was not in place when this complex was approved.
The city's Board of Architectural Review meeting is scheduled for Monday at 6 p.m.
GOOSE CREEK, S.C. (WCSC) - The city of Goose Creek unveiled an amphitheater in honor of S.C. Rep. Joe Daning in a surprise presentation Tuesday during his retirement celebration in Goose Creek.Joseph Daning is a member of the South Carolina House of Representatives, representing District 92. He also was a Goose Creek City Council member for over 20 years and previous Goose Creek Mayor Pro Tempore.Daning will retire from the S.C. House of Representatives in January 2023. Multiple former S.C. representatives, Mayor Gregory Habib,...
GOOSE CREEK, S.C. (WCSC) - The city of Goose Creek unveiled an amphitheater in honor of S.C. Rep. Joe Daning in a surprise presentation Tuesday during his retirement celebration in Goose Creek.
Joseph Daning is a member of the South Carolina House of Representatives, representing District 92. He also was a Goose Creek City Council member for over 20 years and previous Goose Creek Mayor Pro Tempore.
Daning will retire from the S.C. House of Representatives in January 2023. Multiple former S.C. representatives, Mayor Gregory Habib, U.S. Rep. Nancy Mace and Daning’s family and friends attended the celebration.
All the speakers who gathered at the Immaculate Conception Catholic Church spoke about Daning’s long-lasting legacy in the city, Statehouse and House of Representatives.
“He was such a great friend and a mentor and very loyal to the Lowcountry,” Nancy Mace, U.S. House of Representative, said. “It was an honor to see that the Joseph Daning amphitheater was unveiled today in Goose Creek and that’s exciting for the residents of Goose Creek too and I want to thank Mayor Habib for that effort.”
The Joseph S. Daning Amphitheater will be located at the Municipal Center Campus near the Recreation Complex and the lake behind City Hall. It plans to include an outside basketball court, a food truck area, restrooms and additional parking.
Crystal Reed, the recreation director for the City of Goose Creek, says some examples of events that will be held at the amphitheater are slam poetry, improv, concerts and movie nights.
“I think the goal of the amphitheater and the projects that we’re doing in the city of Goose Creek is to bring entertainment into our city so that residents don’t have to travel and create more traffic,” Reed said. “They can get good dining options and good entertainment here in the city of Goose Creek.”
Reed says this project will break ground in April 2023 and it should take about 18 months to complete.
When Mayor Habib introduced the new amphitheater, Daning began to cry in shock.
“I didn’t expect any of this and then the new that,” Daning said, pointing to the picture of the proposed amphitheater. “You know, my father came from the Philippines. I am first generation. I mean this is just unbelievable. You know, I never expected any of this.”
The total cost of the amphitheater will be about $4 million. Daning secured $1.5 million in state funding and the remainder will be paid by ARPA funds.
Copyright 2022 WCSC. All rights reserved.
The Goose Creek Planning Commission’s follow-up analysis of a proposed mixed-use development on 117 Red Bank Road — known as Avalon Point — during a April 4 public hearing revealed lingering traffic concerns, prompting the group to vote against a request to rezone a defined land parcel from General Commercial (GC) to Planned Development (PD).With no less than eight of nine public speakers who voiced their opposition to a bid to incorporate 142 residential lots across 32-34 acres of land, the planning commission cited...
The Goose Creek Planning Commission’s follow-up analysis of a proposed mixed-use development on 117 Red Bank Road — known as Avalon Point — during a April 4 public hearing revealed lingering traffic concerns, prompting the group to vote against a request to rezone a defined land parcel from General Commercial (GC) to Planned Development (PD).
With no less than eight of nine public speakers who voiced their opposition to a bid to incorporate 142 residential lots across 32-34 acres of land, the planning commission cited issues with potentially adding 250-300 more cars to the area that would further inhibit the flow of traffic.
Neighboring residents — including Rebecca Work — from from Greenview Acres, West Greenview Acres and Gardenia Villas shared their concerns with the commission over making an already compromising situation even worse for cars backed up along Red Bank Road attempting to access Wisteria Road.
“I’m a stay-at-home mom. I can pick and choose the times I leave my house. I’m stuck and I can’t get out of my own neighborhood in a timely manner. With no way out other than Wisteria is not a great option — we’re going to get stuck there longer,” stated Work, who moved to Goose Creek seven years ago.
Similarly, Gary Semon and Sandra Ertley reported that traffic along Red Bank Road is backed up past Forest Lawn Avenue, as people continually try to bypass congestion to no avail.
Semon added: “I understand that Beazer [Homes] has the SCDOT traffic approval. I want to see whoever approved that sit in traffic right now between 5 and 6 o’clock because I bet you they would rethink that real quick ... it gets worse every day.”
The impact analysis, in fact, was endorsed by the SCDOT with no external mitigations being required, according to Goose Creek Planning & Zoning Director Kendra Wise, who said that “variables could change” on that front.
During the commission’s questioning of Beazer Homes Land Development VP Tom Wallington, the construction company spokesperson acknowledged that two access points are needed, with the main entrance coming off Red Bank Road and the secondary one off Wisteria Road.
The majority of the traffic is indeed coming off Red Bank Road, he said, and informed that no left-hand turns would be permitted along the entrance and egress path. Also noted was Beazer Homes’ collaboration with the nearby Kennedy Center location to “improve” the parking lot area at 96 Wisteria Road.
In response to a suggestion from Commission member Anthony Jenkins to schedule one-on-one meetings with affected residents, Wallington claimed he would welcome another opportunity to meet with locals as he did about a year ago.
Prior to denying the rezoning request, the Commission voted by a 3-2 tally against a motion to approve the zoning modification with recommendation for governance and oversight by City Council in conjunction with the Department of Transportation, and with special community involvement.
The topic of flooding was also revisited at the April hearing, when Work and others took issue with replacing water-absorbing trees and soil with concrete and asphalt.
Wallington addressed flooding by promising to build ponds that would hold excess water and discharge it at a slower rate.