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 Hanahan, 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 Hanahan, 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 Hanahan, 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.
HANAHAN, S.C. (HOLY CITY SINNER) — Press ReleaseSeamonWhiteside (SW+), a full-service site design firm throughout the Carolinas, is nearing completion of the brand-new Hanahan Recreation Complex.This multi-use recreation project is the first to open since the City of Hanahan’s large population growth over the last several years and is a much-needed addition to the community.The new complex located in Hanahan off of Henry Brown Boulevard and adjacent to Bowen’s Corner Elementary School, will bri...
HANAHAN, S.C. (HOLY CITY SINNER) — Press Release
SeamonWhiteside (SW+), a full-service site design firm throughout the Carolinas, is nearing completion of the brand-new Hanahan Recreation Complex.
This multi-use recreation project is the first to open since the City of Hanahan’s large population growth over the last several years and is a much-needed addition to the community.
The new complex located in Hanahan off of Henry Brown Boulevard and adjacent to Bowen’s Corner Elementary School, will bring great value to the City’s residents and the Berkeley County School District with many added facilities and recreational uses.
SeamonWhiteside is the lead consultant on this $12M+ project and has worked closely with the City of Hanahan since 2016.
The firm provided Programming/Master Planning, Budgeting Assistance, CDs, Permitting, Bid Administration and Procurement, and Construction Administration.
The complex will offer dog parks, walking trails, courts for tennis, volleyball, and basketball, a playground, a multi-purpose recreation building, public parking, restrooms, picnic areas including a covered pavilion, and synthetic and natural sports fields.
“The project is nearing the finish line, and we can’t wait for the City of Hanahan residents to experience what we’ve been working on over the last several years. Located just steps away from Bowen’s Corner Elementary School, this will be a convenient and accessible resource for the community,” says Jennifer Palmer, Director of the SeamonWhiteside Summerville Office. “A fun fact about this project was the property used to be owned by the Federal Government Joint Base Charleston and was part of an old blast zone for testing missiles. All of the natural wetlands remain undisturbed and we utilized a timber bridge, designed by York Bridges, with a very natural park-like aesthetic for the road crossing spanning the wetland to join the two sides of the complex. It is thrilling to see it all come to life and I cannot wait to see it being utilized by the community.”
SeamonWhiteside worked closely on this project with Southeastern Surveying, ECS, Critical Systems Engineering, McSweeney Engineers, and architect Chris Karpus.
The Hanahan Recreation Complex began construction in June 2021 and is now nearing completion, with an expected finish and open date in early 2023.
To learn more about SeamonWhiteside, visit www.seamonwhiteside.com.
MONCKS CORNER, S.C. – (Tuesday, March 14, 2023) – Berkeley County, in partnership with the City of Hanahan, will celebrate the completion of Railroad Avenue Extension in Hanahan with a ribbon-cutting ceremony on Friday, March 17 at 10 a.m. The event will take place in front of the Hanahan Recreation Center ballfields across from Mabeline Road in Hanahan.This critical road project, which was managed by the S.C. Department of Transportation, has been in the works since the 1990s. The County ...
MONCKS CORNER, S.C. – (Tuesday, March 14, 2023) – Berkeley County, in partnership with the City of Hanahan, will celebrate the completion of Railroad Avenue Extension in Hanahan with a ribbon-cutting ceremony on Friday, March 17 at 10 a.m. The event will take place in front of the Hanahan Recreation Center ballfields across from Mabeline Road in Hanahan.
This critical road project, which was managed by the S.C. Department of Transportation, has been in the works since the 1990s. The County celebrated the project’s groundbreaking in spring 2021.
Kiewit Infrastructure South constructed the project, which consisted of extending Railroad Avenue from Mabeline Road to Eagle Landing Boulevard and adding a two-lane roadway along the eastern side of the existing CSX rail line, with a sidewalk along one side of the road.
The project provides a safer connection between North and South Hanahan. Specifically, drivers will no longer have to enter Rivers Avenue and cross the railroad twice; and first responder vehicles will also have a better and safer access to those communities, overall improving emergency response times.
This project cost an estimated $20.1 million, including approximately $16 million from Berkeley County’s One-Cent Sales Tax Program—specifically from the referendum voters passed in 2014—and $4 million from federal funds.
“This road extension project, which has been decades in the making, is a gamechanger for the Hanahan community and public safety. We are thankful to Berkeley County voters for approving the County’s One-Cent Sales Tax referendum and to Congressman Henry Brown for securing federal funds to pay for this long-awaited infrastructure project. We are confident the result will be faster emergency response times and safer travel for all.” -Berkeley County Supervisor Johnny Cribb
“Thanks to the perseverance and hard work of so many who have passed the torch of this much needed project, we are finally celebrating the infrastructure connectivity of Hanahan through Railroad Avenue Extension. I am grateful for the collaboration of many different agencies to make this happen. Hanahan is now safer, transportation is easier, and quality of life is better.” -Hanahan Mayor Christie Rainwater
The City of Hanahan will also host a “Meet in the Street Block Party” event at 5:30 p.m. on Friday to commemorate the road project’s completion. There will be a food truck and other festivities. For more information, go HERE.
-Prepared by the Berkeley County Public Information Office-
HANAHAN, S.C. —Milan Turner has Carolina on his mind.Turner, who was head coach at three different Georgia high schools, has been named the new head coach at Hanahan High School in South Carolina.Turner had successful head coaching stints at Emanuel County Institute (2005-2010), Thomson (2011-2013) and Veterans (2018-2021). He served as the director of high school relations for the Georgia Southern football program in 2022.This content is imported from Twitter. You may be able to find the sa...
HANAHAN, S.C. —
Milan Turner has Carolina on his mind.
Turner, who was head coach at three different Georgia high schools, has been named the new head coach at Hanahan High School in South Carolina.
Turner had successful head coaching stints at Emanuel County Institute (2005-2010), Thomson (2011-2013) and Veterans (2018-2021). He served as the director of high school relations for the Georgia Southern football program in 2022.
This content is imported from Twitter. You may be able to find the same content in another format, or you may be able to find more information, at their web site.
Thank you to Coach Helton, Staff, Players, Administration and Eagle Nation for an exciting journey this year. Thank you for letting me be a small part of something Special! The future is bright at Georgia Southern, You ain’t seen nothin’ yet! #GATA #HailSouthern pic.twitter.com/yaTU5ZqoUv— Milan Turner (@MilanTurner_GS) January 25, 2023
Turner compiled a 112-43 record over 13 seasons as a head coach in the Peach State. He would lead Emanuel County Institute to 65 wins and a state championship in 2007. The Bulldogs would finish GHSA Class A runner-up in 2008.
“We are elated to welcome Coach Turner to the Hawk family,” Hanahan High Principal Tom Gallus said. “Our community is very fortunate to have a coach of this caliber to lead and develop our student-athletes on and off the field. Coach Turner is a proven educator and leader. He knows what it takes to build a successful high school football program and to ensure that each student is prepared for their next steps after high school. I look forward to serving alongside Coach Turner and seeing our Hawks shine under the Friday night lights.”
Turner takes over a Hanahan program that went 6-4 in 2022. He replaces interim coach Steve Blanchard, who took over after Art Craig stepped away and eventually retired.
Turner has been an educator since 1994. Prior to becoming a head coach, he spent time as an assistant at several Georgia schools. Turner has coached in six GHSA state championship games during his time at five different Georgia high schools.
He has been named the North/South All-Star Head Coach, Region Coach of the Year, Atlanta Touchdown Club Class A Coach of the Year, GACA Class A State Coach of the Year, and was selected to coach in the 2008 Under Armour national all-star game.
This content is imported from Twitter. You may be able to find the same content in another format, or you may be able to find more information, at their web site.
Can’t thank you enough for what you mean to our football family coach! You were meant to be apart of kids lives! We will all be cheering for you in South Carolina! https://t.co/ttjDWBHhqO— Clay Helton (@GSCoachHelton) January 25, 2023
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HANAHAN, S.C. (WCSC) - After being reelected for another term on Tuesday, Hanahan Mayor Christie Rainwater is already preparing for the next four years.
In this year’s election, no opponents ran against Rainwater, which she says was a relief to not sit on the edge of her seat and worry about winning or not.
“I feel like the residents of the city have seen the work I’ve put in, and they want that to keep going,” she says. “They want the momentum to continue, and no one ran against me. I’m able to really continue keeping that momentum going.”
The Hanahan City Council and school board members were all reelected on Tuesday, and the mayor says will continue as a strong partnership because of the established relationships.
Similar to the rest of the Lowcountry, Hanahan continues to grow. Rainwater focused on building economic development and recreation in the area by adding two new parks over the last four years.
“Really bringing this quality of life to the residents is what we’ve been doing over the past four years and will continue to do over the next four,” she says.
As for the upcoming four years, the mayor really wants to focus on flooding concerns, more economic growth and additional housing for the community. She also mentioned that the Lowcountry Rapid Transit plans include four stops that will positively impact Hanahan.
“We are really looking at our specifically downtown area and how can we allow for housing that will work for everyone,” Rainwater says. “We have changed the ordinances over the past few years that will allow for us to build up a little higher and bring that in.”
The mayor also expressed that Hanahan has a small-town feel despite being the seventeenth-largest city in South Carolina.
“I like to say I bleed blue and orange,” she says. “Hanahan is the heart of the Lowcountry. When you look at its location, you’ve got downtown Charleston, Summerville, Mount Pleasant, West Ashley, and right in the heart, you’ll find Hanahan. The truth is, it’s not just because of its location; the people in Hanahan are so special.”
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HANAHAN — A parade of emergency response vehicles and a school bus were the first to drive a newly opened mile-long stretch of Railroad Avenue, a road project recently completed after years of work.The extension runs from Mabeline Road to Eagle Landing Boulevard, adding a two-lane roadway along the eastern side of the existing CSX rail line, with a sidewalk along one side of the road.Though only a mile, the new stretch connects the northwest corner of the city, where several neighborhoods and Hanahan Elementary School are...
HANAHAN — A parade of emergency response vehicles and a school bus were the first to drive a newly opened mile-long stretch of Railroad Avenue, a road project recently completed after years of work.
The extension runs from Mabeline Road to Eagle Landing Boulevard, adding a two-lane roadway along the eastern side of the existing CSX rail line, with a sidewalk along one side of the road.
Though only a mile, the new stretch connects the northwest corner of the city, where several neighborhoods and Hanahan Elementary School are, to the rest of the city, said Mayor Christie Rainwater.
Prior to the extension, drivers had to take a roundabout route and cross the railroad tracks twice.
“In order to get to the Eagle Landing ... part of the city, you actually had to leave the city, cross over the railroad tracks, go to another city (North Charleston), and then go down Rivers Avenue, cross back over the railroad tracks and get back into (Hanahan),” she said. “So obviously it was inconvenient to say the least.”
It was also completed after more than two decades of delays, which ballooned the cost from a $4 million federal earmark in the 1990s to more than $20 million by the time the county broke ground on the project in 2021.
Berkeley County’s 1 percent sales tax to pay for infrastructure contributed more than $16 million to the funding.
Officials said the delays were due to a number of bureaucratic hurdles and discussions between the county, the S.C. Department of Transportation and CSX, all of which had to review and approve various aspects of the project. Funding issues contributed as well, Rainwater said — the longer other delays took, the more expensive the project became and the more time it took to secure further funding.
Town and county officials held a ribbon cutting for the road extension on March 17, with a cohort of former mayors and other public officials in attendance such as former U.S. Rep. Henry Brown, who helped secure the initial federal earmark. Officials, local emergency responders and other attendees took to the school bus and emergency vehicles to drive through a blue ribbon and up the mile of road.
Rainwater said the extension saves at least 10 minutes of driving, and that’s without traffic and train-related delays. During rush hour or when a train is stopped on the tracks, it took even longer for drivers to get to their destination.
Berkeley County Supervisor Johnny Cribb pointed out it will also help ease congestion on Rivers Avenue.
“Think about all the cars that leave Hanahan, go out on Rivers Avenue, go to the intersection of Ashley Phosphate and Rivers needlessly every single day,” he said. “Every one of those cars are now pulled off that road, so that helps regional transportation.”
It was also a public safety issue when emergency vehicles are trying to get to the northwest part of town, Rainwater said.
Though acknowledging that not all road projects take so long, attendees at the ribbon-cutting made a number of jokes about the length of time it took to complete the extension. Rainwater said one resident called her reporting that her daughter was about to graduate from high school and to ask if the student could drive it before she left for college.
“If anybody here has got a good idea on a road project that might be done in the next 30 years, let us know today before you leave so we can get it done in your lifetime,” Cribb joked.
Cribb pointed out each county has a “dinosaur” of an infrastructure project that has taken years to complete, referencing the Highway 526 in Charleston County and the Berlin G. Myers Parkway in Dorchester County. The Railroad Avenue extension has been Berkeley County’s, he said.