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:
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. Mission One 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:
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 Mission One 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 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 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 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:
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.
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 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.
Members of the Devon Forest community say they want answers from the Mount Holly Century Aluminum plant after an “emission” was recorded in the past month.GOOSE CREEK, S.C. (WCSC) - Members of the Devon Forest community say they want answers from the Mount Holly Century Aluminum plant after an “emission” was recorded in the past month.Neighbors say they have been dealing with a gritty substance since the beginning of September.“It’s not something like pollen that’s nice and soft....
Members of the Devon Forest community say they want answers from the Mount Holly Century Aluminum plant after an “emission” was recorded in the past month.
GOOSE CREEK, S.C. (WCSC) - Members of the Devon Forest community say they want answers from the Mount Holly Century Aluminum plant after an “emission” was recorded in the past month.
Neighbors say they have been dealing with a gritty substance since the beginning of September.
“It’s not something like pollen that’s nice and soft. It’s a hard, silica-type sand, almost,” homeowner Nick Marino said. “It’s not something that easily comes off.”
The substance has settled onto cars, household items and other property. When it first happened, neighbors said it was a light, thin layer. After a few days, that turned into small piles.
“Didn’t think too much at first. It wasn’t a lot,” Marino said. “But as time progressed, it became more and more.”
Marino says he noticed it more often in the early mornings.
“First thing in the morning, I come out, there’s stuff all over the car,” he said. “I guess it’s prevalent, would happen overnight, maybe.”
Many who noticed the change say they were not sure how to remove the substance safely.
“If you try to wipe it off, it scratches the paint on your car,” Leslie Deaver said.
Community members were concerned about whether the substance was safe to breathe, touch or remove.
“It worries us for health reasons, it worries us for vehicles and whatever else, the school in the neighborhood,” Marino said. “We just want to know what’s causing it and a solution so it stops.”
“We’ve been here 15 years, we’ve never seen it this bad,” Deaver added.
A statement released from Mount Holly Plant Manager Dennis Harbath confirms an alumina emission from the plant as of Sept. 5:
Due to a process disruption, Century Aluminum´s Mt. Holly plant has experienced an emission of alumina, a non-hazardous raw material used in our smelting process. Local regulators were notified on September 5 and are working closely with us on the matter. Since the occurrence, a team has been working to promptly resolve the issue. Century Aluminum’s Mt. Holly plant is diligent in its safety and environmental protection measures, and, as of this time, there is no determination that the plant emitted any substance in exceedance of permitted limits, and we are investigating whether any of the emission particulate traveled beyond the plant property. Nonetheless, we are conducting a thorough internal inquiry to prevent future occurrences of this issue.
Alumina, or aluminum oxide is white or nearly colorless and used to make aluminum metals. The plant says they are working to investigate the issue and fix it.
Community members still have eyebrows raised.
“This shouldn’t be something that’s kept in the dark, reviewed behind closed doors. Let the public know what’s going on, get us involved,” Marino said. “Maybe hold an open house with Century Aluminum so we can have our questions answered.”
Neighbors asked for wider community awareness and transparency from the plant when these emissions occur in the future.
“It’s literally right across the road from us, from our backs. Were probably the closest to it in this neighborhood,” Deaver said. “That would be nice to know. ‘Hey, we’re going to release this at a certain time, this is what to expect.’ Just community knowledge.”
Harbath released a follow-up statement Tuesday saying the company is continuing to monitor progress:
As an update, we have been continuing to diligently work on resolving our process disruption and have taken a number of actions to minimize any resulting emissions. In addition, we are still in regular communication with regulators on our progress, including a recent visit to our site.
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Officials are working together to bring the ditches and drainage service in an area of Goose Creek up to par after major flooding from summer storms.BERKELEY COUNTY, S.C. (WCSC) - State, county and city leaders say they are working together to bring the ditches and drainage service in an area of Goose Creek up to par after major flooding from summer storms.After a staff meeting Tuesday morning, officials say they will be working together during the next 60-90 days on drainage system improvements. Work includes retrenching the d...
Officials are working together to bring the ditches and drainage service in an area of Goose Creek up to par after major flooding from summer storms.
BERKELEY COUNTY, S.C. (WCSC) - State, county and city leaders say they are working together to bring the ditches and drainage service in an area of Goose Creek up to par after major flooding from summer storms.
After a staff meeting Tuesday morning, officials say they will be working together during the next 60-90 days on drainage system improvements. Work includes retrenching the ditches to the correct depth to allow flow, as well as inspecting each pipe for breaks or blockages.
Families in the Boulder Bluff and Beverly Hills neighborhoods experience heavy rain and flooded yards and foundations over the summer.
One family even suffered a loss of income when a member fell and broke an ankle trying to clean out the drainage area himself.
One issue the people ran into while trying to voice the problem was knowing who to bring their concerns to.
Mayor Greg Habib of Goose Creek says the city is not directly in charge of that service, but he stepped in to get all the people involved around one table to talk about next steps.
“Yes, they feel like they’re getting the runaround. And it’s because of how we are structured in South Carolina in Berkeley County in the city of Goose Creek,” Habib says.
The South Carolina Department of Transportation manages the roads and easements, the county manages drains and stormwater and many of the addresses are in the city. Those agencies say they are collaborating on a solution.
After heavy rains over the summer and getting multiple calls each, the agencies began workshopping with each other. Habib says he invited everyone to an in-person meeting Tuesday morning in Goose Creek to help.
Berkeley County Councilman Tommy Newell, State Representative Brandon Cox and SCDOT planners all came out.
The department of transportation says they are retrenching all the ditches next to the roads they run. The ditches will be deeper and clearer for water to flow through. The county is going into its drains, and making sure there are no breaks or blocks in those pieces.
“The first thing we need to do is ensure that we get the system back to its proper condition right. Are the ditches the proper depth? Are the storm drains open? Are the pipes underneath the roads all open for flow up and down the system? And so we believe that I personally believe that’ll take care of a lot of the issue” Habib says.
Habib says Boulder Bluff and Beverly Hills are older neighborhoods where many people have lived for nearly 40 years in their homes. He knows that the severe flooding issues have been amplified in past years by the continuing changes to the area.
“It’s important to note that in 60 years ago, when neighborhoods were built there were no stormwater, requirements, stormwater laws, stormwater engineering, there wasn’t any of that. You see a neighborhood get built today, they’re all required essentially to keep their stormwater on their own on the development right. That’s why there are retention ponds and detention drains and all of those things. Well that didn’t happen 60 years ago,” Habib says.
Given the older style of the system and the potential for deterioration, the agencies are doing a full assessment after this summer’s heavy rains. Their work in the next 60-90 days is meant to bring the system up to its max performance ability. Habib hopes that’s the solution to all the problems.
“It may be. I suspect it probably is, but it may not be. And if it’s not, we will then identify what we can do to raise the system up so that it does meet the standard that needs to be there today,” Habib.
Habib says anyone who is having specific problems is always welcome to bring their concerns to the city and county council to explain their issue and get help from the right agency.
“Water doesn’t know the boundaries of a municipality. So the stormwater money from within the city of Goose Creek goes to Berkeley County. Because I believe and so does the county believe that stormwater is much better managed from a macro county perspective than a micro-neighborhood,” Habib says.
Residents in the neighborhood say they are hopeful the work mitigates their issues and look forward to the completion of the retrenching and pipe clearing. Then they will await the next rain, and see if more work is needed, or if their system is doing enough.
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GOOSE CREEK, S.C. (WCSC) - After years of delays, the only saltwater access point in Berkeley County will be more accessible for the community to enjoy.When low tide comes to the Bushy Park Landing in Goose Creek, boats are often stuck out in the water as more sand and mud have collected on the shoreline over the years.“This will go from being an unsafe boat landing at times, and not an ideal place to use, to something that we think the public’s really going to enjoy,” Berkeley County Supervisor, Johnny Cribb,...
GOOSE CREEK, S.C. (WCSC) - After years of delays, the only saltwater access point in Berkeley County will be more accessible for the community to enjoy.
When low tide comes to the Bushy Park Landing in Goose Creek, boats are often stuck out in the water as more sand and mud have collected on the shoreline over the years.
“This will go from being an unsafe boat landing at times, and not an ideal place to use, to something that we think the public’s really going to enjoy,” Berkeley County Supervisor, Johnny Cribb, says. “If you drive by here as often as I do, it’s not uncommon to see a boat stranded out there on the pluff mud on a 90-degree or 100-degree day; you got one or two folks coming back in and they’re stuck.”
But now with the help of the dredging project, crews will dredge down eight feet and 200 feet across to make the landing safer and deeper.
The project is set to begin in November and will take 28 days to complete the entire dredging process to remove 150,000 cubic yards of different sediments in the area.
“I’ve been fishing out here my whole life, and it’s taken a long time for it to get like it’s gotten, but we’ve put a plan in place for the future that never existed,” Cribb says.
Funding for the project was first approved through the 2014 penny sales tax referendum, but it took years and many delays to find the proper site to dump the dredged sand and mud from the bottom of the inlet.
“This project has been contemplated for a long time,” Cribb adds. “It became a big public safety and public recreation issue for a lot of folks that have used it for decades.”
Some fishermen in the area, Dung Toran and Thomas Clubb, have been using the landing for decades, and have experienced problems during low tide.
“My boat goes easy [in the water], but sometimes it gets stuck in the middle,” Toran says. “Sometimes I hit the muck and my motor doesn’t work anymore.”
Clubb says he is glad the project is happening after years of asking local government to do something about the landing.
“Our crabbers come out here, that’s their livelihood crapping out here. In low tide, they can’t get under to get to their draft plots; they have to do that by certain time of day to get their crops to the market. I’m sure they’re happy this is going to happen,” he says. “I’m ecstatic to see it happen; it’s a long time coming.”
The sediments will be transported to the Clouter Creek South Cell disposal site in North Charleston pending approval from the U.S. Army Corps of Engineers.
“I’ll be long gone as a supervisor before it needs to happen; but the biggest gift that will leave future administrations is with all the uncertainty of finding a small site,” he adds. “We realized we need to have our own site; we need to control our own destiny in the future.”
The total cost of the project is $5,036,000. Funding stems from the 2014 and 2022 Berkeley County One Cent Sales Tax referendums.
To keep the landing from getting to the same sediment buildup as it is now, Cribb says Berkeley County will access the area every few years to see how much silt has been pushed up.
“I wish the public knew how hard we’ve how hard we’ve worked on this; it’s never gone on the back burner, and we have pursued every potential possibility out there,” he says. “We’ve gone down every rabbit hole. So, I know that the public is really anticipating this and they’re really going to appreciate it.”
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GOOSE CREEK, S.C. – Hurricane Idalia produced bands of storms across South Carolina’s Lowcountry on Wednesday, with at least one tornado north of Charleston causing damage.First responders in Berkeley County reported only minor injuries when a car was apparently sideswiped by a quick twister.A video showed tropical-storm-force winds in the region associated with the heavy rainfall when the tornado formed, lif...
GOOSE CREEK, S.C. – Hurricane Idalia produced bands of storms across South Carolina’s Lowcountry on Wednesday, with at least one tornado north of Charleston causing damage.
First responders in Berkeley County reported only minor injuries when a car was apparently sideswiped by a quick twister.
A video showed tropical-storm-force winds in the region associated with the heavy rainfall when the tornado formed, lifting the vehicle and smashing it into another.
The tornado was one of several reports of waterspouts and funnel clouds in South Carolina but was the only incident where a touchdown happened as of Wednesday afternoon.
Hurricane Idalia produced a tornado in the Lowcountry of South Carolina on Wednesday.
Hurricane Idalia produced at least one other tornado in Florida, but there was not any widespread damage reported associated with the vortex.
Tropical cyclones are known to produce tornadoes, especially in the northeast quadrant of the storm.
According to the FOX Forecast Center, shear is typically the greatest in this sector as the storm interacts with other weather features and the land. The tornadoes are usually weak and short-lived, which appears to be what happened in the Lowcountry.
The threat of tornadoes, flooding and gusty winds is expected to continue through Thursday morning for the Carolinas as the center of Idalia pushes eastward off the coast.
Florida and Georgia were the hardest hit states by the former Category 4 hurricane. During the peak of the event, more than half a million customers in the two states were without electricity.
GOOSE CREEK, S.C. (WCSC) - In Berkeley County, the city of Goose Creek and the South Carolina Department of Transportation worked together to approve a stoplight at St. James Avenue and Myers Road.The stoplight was approved almost a year and a half ago and residents in the area say they’ve almost lost hope that it will get completed.Data from the South Carolina Department of Public Safety shows more than 150 crashes have occurred at the intersection over the past five years resulting in dozens of injuries.A traffic...
GOOSE CREEK, S.C. (WCSC) - In Berkeley County, the city of Goose Creek and the South Carolina Department of Transportation worked together to approve a stoplight at St. James Avenue and Myers Road.
The stoplight was approved almost a year and a half ago and residents in the area say they’ve almost lost hope that it will get completed.
Data from the South Carolina Department of Public Safety shows more than 150 crashes have occurred at the intersection over the past five years resulting in dozens of injuries.
A traffic analysis found the volume in that area was too high leading to the approval of the signal with construction scheduled to take up to 15 months. SCDOT says the design of the signal began when the project was approved in March of 2022 with a contract in place in August that same year.
Michelle Yusko has lived in Okatee Subdivision for 15 years, directly across from St. James Avenue and St. Myers intersection. Yusko says she lives in a family neighborhood that’s peaceful and quiet. She’s seen cars cut through her neighborhood to get onto St. James Avenue just to avoid the intersection.
“They’re cutting through the neighborhood, which is making it worse,” Yusko says, “They cut through our neighborhood, so they don’t have to go to the end of Myers Road and pull out of our neighborhood onto St. James Avenue.”
Yusko is in favor of a red light but says she is unsure if it’s going to get done or if progress has been made. Especially when she’s seen accidents happen right in front of her.
“It’s awful, it’s ridiculous, it’s horrendous,” Yusko says, “They’ve been promising us a red light forever and ever.”
Yusko says they’ve gotten no notice or update on when the light will officially be at the intersection.
“Never, I have to go ask other people, maybe the electric company, they keep telling me what they’re hearing and it’s just not happening,” Yusko says.
SCDOT says the traffic signal mast arms for this intersection have been designed and ordered. The next step is installation, and the official completion date is Dec. 31 of this year.
If you have a road concern that’s driving you crazy you can let us know by clicking on this link.
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