Mortgage Broker in Goose Creek, 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 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:

No Additional Fees

No Additional Fees- Providing our client's services free of charge, using a mortgage broker like Mija 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, Mija 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, Mija 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, Mija 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. 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.

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 Goose Creek, SC
Mortgage Broker Goose Creek, 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 Mija 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 Broker Goose Creek, SC
Mortgage Broker Goose Creek, 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 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.

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:

  • 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 Mija Mortgage ASAP, as loan rates change frequently.

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

Head-bottom

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.

Contact Us For Service !

phone-number (843) 822-5685
Mortgage Broker Goose Creek, SC

Latest News in Goose Creek, SC

Chicken Salad Chick ready to open new Goose Creek location

GOOSE CREEK, S.C. (WCBD) – Chicken Salad Chick is set to open its highly anticipated location in Goose Creek next week with a week full of special giveaways.The new location off St. James Avenue is the third to open in the tri-county by co-owners Julie Beville and Michelle Singleton of Sing Bev Hospitality. The other locations include Summerville and Mount Pleasant. ...

GOOSE CREEK, S.C. (WCBD) – Chicken Salad Chick is set to open its highly anticipated location in Goose Creek next week with a week full of special giveaways.

The new location off St. James Avenue is the third to open in the tri-county by co-owners Julie Beville and Michelle Singleton of Sing Bev Hospitality. The other locations include Summerville and Mount Pleasant.

Chicken Salad Chick will open its new location on the morning of Tuesday, February 21. The first 100 customers who line up beginning at 7:00 a.m. will win free chicken salad for a year when the restaurant opens at 10:30 a.m.

Other giveaways are planned Wednesday through Saturday and include special merch from the popular restaurant:

• Tuesday, Feb. 21 – Free Chicken Salad for a Year – The first 100 guests will receive one large Quick Chick of chicken salad per month for an entire year, with one of those lucky guests randomly selected to win one large Quick Chick of chicken salad per week. Guests may arrive starting at 7 a.m. for grand opening day only.

• Wednesday, Feb. 22 – The first 100 guests to purchase a Chick Special will receive a FREE Chick Special on their next visit.

• Thursday, Feb. 23 – The first 100 guests to purchase a Chick Special will receive a FREE Chicken Salad Chick tote bag.

• Friday, Feb. 24 – All day long, Chick fans can enjoy buy two Quick Chicks and get one FREE!

• Saturday, Feb. 25 – The first 100 guests to purchase a Chick Special will receive a FREE commemorative Chicken Salad Chick cup and FREE drink with their meal.

“Michelle and I always say one of our favorite parts of bringing the Chick to new neighborhoods is the opportunity to positively impact the lives of our guests,” said Beville. “We’ve gotten to know our fans here in the Lowcountry over the past several years, and we know they rely on us for fresh, made-from-scratch meals they can enjoy with friends and family in our dining room or on the go. They also appreciate the warm hospitality of our restaurant teams and the way we support local organizations. We can’t wait to be their new go-to spot in Goose Creek.”

The restaurant will be open Monday through Saturday from 10:30 a.m. until 8:00 p.m.

SC high school basketball state championship schedule set for 2023

The South Carolina High School League basketball state championship games for 2023 are Thursday, Friday and Saturday at USC Aiken’s Convocation Center.Here are the matchups that have been set so far, with the Class 5A semifinals still set for Monday——Thursday——Class 4A Girls: Westwood vs. North Augusta, 5 p.m.Class 4A Boys: Irmo vs. Lancaster, 7 p.m.——Friday——Class 3A Girls: Camden vs....

The South Carolina High School League basketball state championship games for 2023 are Thursday, Friday and Saturday at USC Aiken’s Convocation Center.

Here are the matchups that have been set so far, with the Class 5A semifinals still set for Monday

——Thursday——

Class 4A Girls: Westwood vs. North Augusta, 5 p.m.

Class 4A Boys: Irmo vs. Lancaster, 7 p.m.

——Friday——

Class 3A Girls: Camden vs. Wren, noon

Class 3A Boys: Crestwood vs. Wren, 2 p.m.

Class 2A Girls: Bishop England vs. Gray Collegiate, 6 p.m.

Class 2A Boys: Oceanside Collegiate vs. Gray Collegiate, 7:30 p.m.

——Saturday——

Class A Girls: Military Magnet vs. Denmark-Olar, noon

Class A Boys: Scott’s Branch vs. Christ Church, 2 p.m.

Class 5A Girls: Mauldin vs. Stratford, 6 p.m.

Class 5A Boys: Goose Creek vs. Dorman, 7:30 p.m.

THE ADDRESS: 2049 Champion Way, Graniteville, SC 29829

TICKETS: $15, can be purchased at gofan.co or through each of the schools before game day.

TV: All 10 games will be carried on Sinclair Broadcasting stations across South Carolina. Affiliates are WMYA (My40 Asheville-Greenville), WACH (57.2/1250/Columbia), WCIV (MyTV Charleston) and WWMB (CW21, Florence/Myrtle Beach).

INTERNET: All 10 games will be streamed on www.nfhsnetwork.com. A subscription ($11.99) is required.

RADIO: The Camden-Wren girls game will be carried on KOOL 102.7.

All games at the Sumter Civic Center

Friday

Class 3A Girls: Hilton Head Christian 67, Shannon Forest 38

Class 3A Boys: Hilton Head Prep 39, Hilton Head Christian 21

Saturday

Class A Girls: Cambridge Academy 41, Laurens 34

Class A Boys: Faith Christian 54, Richard Winn 40

Class 2A Girls: Cathedral 68, Beaufort Academy 33

Class 2A Boys: St. John’s 55, Cathedral Academy 52

Class 4A Girls: Heathwood Hall 79, Northwood 49

Class 4A Boys: Augusta Christian 47, Cardinal Newman 44

This story was originally published February 25, 2023, 9:43 PM.

HireQuest, Inc. to Hold Fourth Quarter and Year End 2022 Financial Results Conference Call on Thursday, March 16, 2023

GOOSE CREEK, SC / ACCESSWIRE / March 3, 2023 / HireQuest, Inc. (NASDAQ:HQI), a national franchisor of direct dispatch, executive search, and commercial staffing services, today announced that it will hold a conference call on Thursday, March 16, 2023, at 4:30 p.m. Eastern Time to discuss its financial results for the fourth quarter and year ended December 31, 2022.Date:Thursday, March 16, 2023Time:4:30 p.m. Eastern Time...

GOOSE CREEK, SC / ACCESSWIRE / March 3, 2023 / HireQuest, Inc. (NASDAQ:HQI), a national franchisor of direct dispatch, executive search, and commercial staffing services, today announced that it will hold a conference call on Thursday, March 16, 2023, at 4:30 p.m. Eastern Time to discuss its financial results for the fourth quarter and year ended December 31, 2022.

Date:

Thursday, March 16, 2023

Time:

4:30 p.m. Eastern Time

Toll-free dial-in number:

888-506-0062

International dial-in number:

973-528-0011

Entry code:

954338

Please call the conference telephone number 5-10 minutes prior to the start time. An operator will register your name and organization.

The conference call will be broadcast live and available for replay at https://www.webcaster4.com/Webcast/Page/2359/47796 and via the investor relations section of HireQuest's website at https://hirequest.com/.

A replay of the conference call will be available through March 30, 2023.

Toll-free replay number:

877-481-4010

International replay number:

919-882-2331

Replay passcode:

47796

About HireQuest

HireQuest, Inc. is a nationwide franchisor of direct dispatch, executive search, and commercial staffing solutions for HireQuest Direct, HireQuest, Snelling, MRI, and Northbound Executive Search franchised offices across the United States. Through its national network of over 400 franchisee-owned offices across the United States, HireQuest provides employment for approximately 81,000 individuals annually that work for thousands of customers in numerous industries including construction, light industrial, manufacturing, hospitality, clerical, medical, travel, financial services, and event services. For more information, visit www.hirequest.com.

Company Contact:

HireQuest, Inc.David Hartley, Vice President of Corporate Development(800) 835-6755Email: cdhartley@hirequest.com

Investor Relations Contact:

IMS Investor RelationsJohn Nesbett/Jennifer Belodeau(203) 972-9200Email: hirequest@imsinvestorrelations.com

SOURCE: HireQuest Inc

View source version on accesswire.com: https://www.accesswire.com/741859/HireQuest-Inc-to-Hold-Fourth-Quarter-and-Year-End-2022-Financial-Results-Conference-Call-on-Thursday-March-16-2023

Inclusive park opens in Goose Creek: ‘It’s just such a huge win for our community’

A brand-new park opened in Goose Creek on Friday with the focus of being “a park built for everyone.”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 ac...

A brand-new park opened in Goose Creek on Friday with the focus of being “a park built for everyone.”

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.

Strangers gift over $2K to Goose Creek man looking for work after cash stolen

GOOSE CREEK, S.C. (WCSC) - Christmas came early for a young man in Goose Creek but not before a couple of Grinches got in the way.After realizing he dropped more than $1,700 in cash while riding his motorcycle down Highway 52 as he was headed to the store, 20-year-old Kyle Kons got to his destination Wednesday afternoon only to find his money missing. He retraced his steps to see several cars pulled over on the side of the highway - people were grabbing his cash and driving off.“By the time I got there, the last car was p...

GOOSE CREEK, S.C. (WCSC) - Christmas came early for a young man in Goose Creek but not before a couple of Grinches got in the way.

After realizing he dropped more than $1,700 in cash while riding his motorcycle down Highway 52 as he was headed to the store, 20-year-old Kyle Kons got to his destination Wednesday afternoon only to find his money missing. He retraced his steps to see several cars pulled over on the side of the highway - people were grabbing his cash and driving off.

“By the time I got there, the last car was pulling off,” Kons says. “I felt hopeless. I thought ‘I’ll never get this money back.’”

Kons says he had just bought a car with the cash and had put the leftover money in an envelope from the bank.

“I thought my front jacket pocket was zipped up all the way, but I guess not,” he says. “I thought I had felt something fall out and hit my leg, but I didn’t question it because nobody behind me was stopping.”

“My heart sunk. I felt like I was the laughingstock of the town,” Kons says. He says he moved to Goose Creek last year for his career in the Navy. He’s currently a Petty Officer.

In a Facebook post of his own in the group, Kons wrote, in part:

“I didn’t realize my money was gone until I arrived at Walmart, and by the time I got there, the last car was scooping up my money… I ask people to be decent human beings and return the money to the owner. I earned that money that you got for free.”

In addition to expressing his frustrations, Kons left his phone number on the post to see if anyone had extra work, so he could earn some money during the Christmas weekend.

He says he never would have thought the community would use his phone number to find his payment apps, like Venmo, CashApp and Zelle, and gift him his money back… and then some.

“I came home from work Thursday, and I had $300 in my account,” Kons says. “I was like ‘no way,’ and it was maybe five people total at the time sending money and saying ‘this sucks but have a great Christmas.’ I was so touched, like, oh my gosh, thank you, thank you, thank you!”

Kons says most of the payments appeared to be coming from other military members in the area. The payments ranged from a couple of dollars to $250.

In total, Kons tells us he’s been sent over $2,000 through the payment apps, and he doesn’t want to get any more notifications or payments.

He spent Friday with his roommates, John VanTatenhove and Tyler Roton, picking up litter on Highway 52 where he lost his money as a way of giving back to the Goose Creek community.

Copyright 2022 WCSC. All rights reserved.

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