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 Isle of Palms, 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 Isle of Palms, 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 Isle of Palms, 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.
Isle of Palms is just 30 minutes from Charleston and may just be the area’s best kept secret.Swaths of uninterrupted white-sand beach, the smell of salty spray, warm sun on your skin, and the rustle of palm fronds gently blowing in the wind—these are the sights, sounds, and scents of Isle of Palms. The South Carolina barrier ...
Isle of Palms is just 30 minutes from Charleston and may just be the area’s best kept secret.
Swaths of uninterrupted white-sand beach, the smell of salty spray, warm sun on your skin, and the rustle of palm fronds gently blowing in the wind—these are the sights, sounds, and scents of Isle of Palms. The South Carolina barrier island packs a lot of relaxation and big fun into a vacation destination that's just seven miles long and one mile wide. The island's proximity to Charleston (just 18 miles by car), make it a preferred summer hideout for locals. An abundance of vacation rentals and the iconic Wild Dunes resort have been drawing visitors from across the country since the early 1970s.
With the deep blue Atlantic on one side and marshy creeks of the Intracoastal Waterway on the other, Isle of Palms offers the best of the Lowcountry and the beach in one stunning setting that's begging to be added to your vacation calendar.
Six of Isle of Palms' seven total miles are occupied by public beaches, which means you'll have your pick of the litter when looking for a sandy spot where you can post up for the day—or the week. Once you've staked your claim, all the normal beach activities are yours for the choosing, from splashing around in the surprisingly calm seas to building the ultimate sandcastle or playing a game of beach volleyball.
For families, the Isle of Palms County Park, located in the middle of the island's coastline, is ideal. The public beach has lifeguards, outdoor showers, chair and umbrella rentals, restrooms, and even a playground for little ones retreat to once they tire of the sun and surf.
Make the most of a visit to Isle of Palms by scheduling a charter to take you offshore. Get your sea legs at the Isle of Palms Marina, where you can easily rent a boat and spend a day exploring the island's bays and waterways. Fishing charters are plentiful and offer both reef fishing and Gulf Stream fishing.
Consider a twilight fishing charter for the family, when sea life such as sharks are more active. Create indelible memories as your party witnesses the sunset over the Atlantic while casting a line for those fish that inhabit the bottom of the depths. Try booking through Barrier Island Fishing Charters for just the right adventure.
For adventure enthusiasts or wildlife lovers, Barrier Island Eco Tours hosts a range of naturalist-guided tours that take visitors through winding salt marshes, tidal creeks, and the Intracoastal Waterway on the way to uninhabited Capers Island. Animals you might see along the way include loggerhead turtles, bottlenose dolphins, and every shape and size of coastal birds.
Nets and traps are employed as your excursion unfolds for close-up viewing of some of the marine life that thrives just below the surface. When you arrive on the island, exploring the astonishing natural landscape is top priority. Take a slow walk along “Boneyard Beach,”and wander on the interior trails that provide excellent viewing of untouched ponds, vibrant with the wildlife that call this sanctuary home.
Breakfast is noteworthy at Sea Biscuit Café. The tiny beachside shack has been dishing out delicious morning meals since 1968. While they offer all the classics, the daily specials are where the magic happens. Past offerings have included chocolate banana challah French toast, lemon lavender pancakes, and tomato pie.
When you need a mid-day refuel for the whole family, Coconut Joe's is the obvious choice. Located on Isle of Palms' main drag, you won't have to venture far to get fresh seafood and impeccable vibes. The open-air covered deck is the ideal spot for munching on the restaurant's namesake shrimp, while rocking sandy toes and sun-bleached hair. When happy hour hits, venture to the rooftop bar for a frozen cocktail or painkiller. Nothing will put you on island time faster.
By the time you're finally ready to come in from the sun and go out to dinner, Isle of Palms will be waiting with plenty of options. The Boathouse and Acme Lowcountry Kitchen are island staples that have stood the test of time thanks to excellent quality food and good old-fashioned Southern hospitality. For a special night out, try Coda del Pesce, a fine dining restaurant that specializes in Italian with lots of influence (and fresh catch) from the nearby seas.
All trips to Isle of Palms must include at least one visit to The Windjammer at Front Beach. The legendary local music venue is known for its incredible live shows, stellar views of the water, cold drinks, and unbeatable fried pickles.
The obvious choice for places to stay in Isle of Palms is Wild Dunes Resort, a 1,600-acre family-friendly resort that offers everything from rooms and suites at two inns, to private beach condos and home rentals. In addition to a more-than-comfortable stay, the resort also features several resort-style pools, a spa, and two championship golf courses.
If you're hoping for a cozier stay, the newly renovated Palms Oceanfront Hotel consists of 68 modern rooms with gorgeous views of the sparkling Atlantic. There are also plenty of rentals through Airbnb and VRBO for everything from multifamily waterfront homes to one-bedroom condos.
Whether you book for a long weekend or stay for an entire week, the memories and magic of Isle of Palms will stay with you for months and years to come—maybe even until you have a chance to make another trip back!
ISLE OF PALMS, S.C. (WCSC) - Isle of Palms city crews are working diligently to restore the beach after it experienced heavy erosion during Tropical Storm Idalia.The loss of tons of sand to erosion means the drop off between the access points and the beaches can reach several feet, making it dangerous for people to reach the beach from these points.Until the restoration of the beach is completed, Public Beach Access 1B, 2A, and 3A will be closed until further notice.“The cleanup will happen over the next couple of ...
ISLE OF PALMS, S.C. (WCSC) - Isle of Palms city crews are working diligently to restore the beach after it experienced heavy erosion during Tropical Storm Idalia.
The loss of tons of sand to erosion means the drop off between the access points and the beaches can reach several feet, making it dangerous for people to reach the beach from these points.
Until the restoration of the beach is completed, Public Beach Access 1B, 2A, and 3A will be closed until further notice.
“The cleanup will happen over the next couple of days and then next week we’ll start doing scrapping at low tide to bring some of the sand back up,” Isle of Palms Mayor Phillip Pounds said. “And build a dune in front of these people’s houses to protect them for the rest of the hurricane season.”
Not only is it hurricane season, but it’s also sea turtle nesting season. Inclement weather can leave turtles exposed, but Pounds said the city is doing all it can to keep the turtles protected.
“You’re not in the dunes and hopefully not disturbing the nest,” Pounds said. “Our turtle team does a great as far as marking the nest or moving them when they feel like they’re in harm’s way. So, it’s very coordinated with our local turtle team as well as the South Carolina Department of Natural Resources to make sure they’re aware of what’s going, you know?”
Despite the city not receiving federal funding, city leaders have managed to receive an emergency permit from the Office of Ocean and Coastal Resource Management to begin restoration work Tuesday.
Pounds stresses the importance of maintaining safety before heading into Labor Day weekend.
“So, we just ask folks to be respectful of the workers that’ll be coming in and out of here. There’s going to be trucks and bulldozers and all kind of stuff going on. So just watch out and be careful,” Pounds says. “Our guys will be out here next week with the bulldozers when most of our summer crowd is gone. So, the timing is decent from that standpoint, we just need to get protection on the beach for these folk’s home as soon as we can.”
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The East Cooper barrier islands of Isle of Palms and Sullivan’s Island both sport beautiful beaches, popular restaurants, vacation rentals and some of the most expensive real estate in the Charleston area, but they are different in some important ways.Sullivan’s used to be the only island with a direct connection to mainland Mount Pleasant, and has a long military history that can be seen in the 20th Century ...
The East Cooper barrier islands of Isle of Palms and Sullivan’s Island both sport beautiful beaches, popular restaurants, vacation rentals and some of the most expensive real estate in the Charleston area, but they are different in some important ways.
Sullivan’s used to be the only island with a direct connection to mainland Mount Pleasant, and has a long military history that can be seen in the 20th Century structures that remain, and at historic Fort Moultrie. A trolley once ran to the island, explaining why the streets leading to the 2.5 miles of beach there are still called “stations.”
It’s a mostly residential island with a small-but-vibrant commercial strip, no resorts, no beach facilities (such as bathrooms) and no lifeguards. As a result, the beaches there tend to be less crowded, but not the restaurants.
Isle of Palms, larger with 7 miles of beach, was directly connected to the mainland after Hurricane Hugo, making it the closest beach for most residents of Mount Pleasant. The island is full of vacation rental homes, there’s a county park with a lifeguarded beach, showers and bathrooms are just steps from the sand, as are restaurants, and the Wild Dunes Resort has two public golf courses.
Separating the two islands is Breach Inlet, a scenic spot to walk or fish on the Isle of Palms side, but stay out of the ocean near the inlet due to powerful tidal currents. There are small, free parking lots on both sides of the bridge there.
Both islands prohibit smoking and vaping, alcohol, single-use plastic bags, plastic straws, and foam containers on the beach.
A day at the beach can mean different things for different people; a history tour of Fort Moultrie on Sullivan’s, a round of golf at Wild Dunes on Isle of Palms, relaxing on the sand, playing tennis, a casual lunch or a fancy dinner, and maybe some live music.
For families with children, the availability of a lifeguard (daily from May 27 to mid-August), and places to change clothes and use a bathroom, tip the scales in favor of Isle of Palms at or near the county park (14th Avenue, with entrance fee). Both islands have playgrounds and free first-come tennis courts. Isle of Palms also has a dog park (29th Avenue).
During beach season, expect heavy traffic to and from the islands and pay attention to parking rules, which tend to be strictly enforced. The parking rules are:
On the ocean side of Palm Boulevard up to 40th Avenue, and on both sides from 40th to 57th, vehicles must be at least four feet from the pavement. Right-of-way parking is less available on the west end of the island, but there is a small (and often full) parking lot at Breach Inlet off Palm Boulevard.
Those planning to take a canine companion to the beach should be aware that the islands have different rules. They are:
May 1 to Sept. 30, dogs can be off leash on the beach from 5 to 10 a.m., and on leash from 6 p.m. to 5 a.m. (No dogs on the beach between 10 a.m. and 6 p.m). From Oct. 1 to April 30 dogs can be off leash from 5 a.m. to noon and on leash all other times.
Shopping is limited on both islands, and particularly on Sullivan’s. Both are a short drive from many shopping centers and shops in Mount Pleasant.
Of the two barrier islands, Isle of Palms has a larger commercial district, just off the Isle of Palms Connector and Palm Boulevard, including a grocery store and a pharmacy. Shops on Sullivan’s can be found along Middle Street.
There’s also a farmers market on Isle of Palms from 4 to 7 p.m. on June 15, July 20, Aug. 17, Sept. 21, and Oct. 21, at 24 28th Ave.
On Sullivan’s, Dunleavy’s Pub has marked the entrance to the small business strip for more than 30 years (2213 Middle St.). The Irish bar has a small but reasonably-priced menu. Steps away are High Thyme Cuisine (dinner only), Poe’s Tavern (known for burgers), The Longboard (oysters, brunch), Home Team BBQ, Mex 1 Coastal Cantina (tequila!) and Republic Ice Cream.
For a reasonably-priced sandwich or Frosé any time of day, check out the Co-Op (2019 Middle St.), just west of the main business cluster. On the high end, locals like The Obstinate Daughter (2063 Middle St.) Reservations are recommended.
On IOP, there are beach-facing restaurants in the commercial area and more a short walk away, ranging from casual bar burger-and-wings offerings (The Windjammer) and brunch (Sea Biscuit Cafe, cash only) to high-end better-have-a-reservation Coda Del Pesce.
There’s also Papi’s Taqueria, Smuggler’s Island Eats and Rum Shack, Coconut Joe’s Beach Grill (beach views), The Dinghy, and Acme Lowcountry Kitchen. Across Palm Boulevard next to the Harris Teeter grocery store is The Refuge. On the marsh side of the island are two waterfront restaurants: Islander 71 at the marina (41st Avenue) and The Boathouse at Breach Inlet, which has a roof deck bar for sunset views.
Books can transport you to new worlds, and move you across time and reality. They also make great photography subjects.
This week’s winner is Paul Stone with a photo of a book sculpture in Bethany Cemetery. The honorable mentions are Patti Bagg with an image of Bart’s Books in Ojai, California, and Ken Schaub with a snapshot of a jazz café in Portugal.
Next week’s topic is bird life, which is abundant here in Charleston.
The rules: Send your best photo to email@example.com by noon Thursday. Include your name, town and where the photo was taken. Add your name and the topic to the file. If you want your photo to be eligible to run in the newspaper, it must be at least 1,500 pixels, not have a commercial watermark and not have been published in another publication.
On Fridays, we first announce the editors’ pick of the week at postandcourier.com/yourphotos and declare a topic for the next week. On Saturdays, we publish an online gallery.
On Sunday, the photo pick of the week will appear in this section, Life.
All photos submitted will be considered for publication in The Post and Courier’s yearly magazine, My Charleston. Some images may be selected for other editorial or noncommercial use.
We reserve the right to not publish any photo for any reason.
ISLE OF PALMS, S.C. (WCIV) — Currently, Isle of Palms has no limits on the amount of short-term rental licenses on the Island, which is something neighbors have been concerned about for years.“We’re the only community in South Carolina coastal communities without limitations, and that includes all of the surrounding communities," Randy Bell, a former IOP councilmember, said. "You have 40 short-term rentals on Sullivan's island, 400 in mount pleasant, and maybe 100 in Charleston, but you have 1,800 here.&quo...
ISLE OF PALMS, S.C. (WCIV) — Currently, Isle of Palms has no limits on the amount of short-term rental licenses on the Island, which is something neighbors have been concerned about for years.
“We’re the only community in South Carolina coastal communities without limitations, and that includes all of the surrounding communities," Randy Bell, a former IOP councilmember, said. "You have 40 short-term rentals on Sullivan's island, 400 in mount pleasant, and maybe 100 in Charleston, but you have 1,800 here."
Isle of Palms residents rally for cap on short-term rentals: Referendum to hit upcoming ballot (WCIV)
Earlier in the month, Isle of Palms neighbors formed a grassroots petition to cap the number of short rentals at 1,600. The petition was signed by more than 1,100 residents. This led to the county verifying the petition forcing the city council to put a referendum on the ballot.
"The residents put forth a petition, and that’s how democracy works, and we'll put that on the ballot," Mayor Phillip Pounds of Isle of Palms said. "So it’s to cap what they call investment short-term rentals. So non-full-time rental properties to cap that at 1,600, and that will be the simple question on the ballot: a simple yes or no."
With the decision now up to voters, former Councilman Randy Bell hopes the council learns to listen to their constituents moving forward.
“We’re the dry sponge in the middle of a puddle, and we don’t want to be the dry sponge anymore. We would like to have reasonable limitations well thought out by council. It should have avoided a referendum, but here we are," Bell continued. “I was on council, and I don’t care what every councilperson’s opinion is, but you’re there to represent the people that put you in office."
For the next upcoming election, there are four council seats open.
Grab your bestie and let the games begin.James Brian “Huddy” Hudson did just that when he saw an ad on Twitter advertising a trip of a lifetime to an adult summer camp with your best friends. The Isle of Palms resident didn’t know it was for a new CBS show hosted by “Transformers” actor Josh Duhamel.Hudson and his three best friends from Oklahoma will be among the first six teams to take on the taxing mental and physical challenges in Duhamel’s “Buddy Games.” The first episode of ...
Grab your bestie and let the games begin.
James Brian “Huddy” Hudson did just that when he saw an ad on Twitter advertising a trip of a lifetime to an adult summer camp with your best friends. The Isle of Palms resident didn’t know it was for a new CBS show hosted by “Transformers” actor Josh Duhamel.
Hudson and his three best friends from Oklahoma will be among the first six teams to take on the taxing mental and physical challenges in Duhamel’s “Buddy Games.” The first episode of the new game show airs at 9 p.m. on Sept. 14 on CBS and will stream on Paramount+.
Viewers will watch as Hudson and Team OK will compete against five other teams for a cash prize of a yet-to-be-announced amount, a trophy and bragging rights. Hudson’s team includes Justin Palmer, Stephen Craig and Yue Pun Szeto from Edmond, Okla. Hudson grew up in Oklahoma and has lived in the Charleston area for about a decade. Other team names include Derby Squad, Chicago’s Finest, Team Pride, Pageant Queens and Philly Forever.
The four Oklahomans sport cowboy attire in promotional material for the show filmed in Bogota, Colombia.
“We grew up in Oklahoma so we got a little cowboy in us,” he said.
The new series on CBS adapts Duhamel’s own real life feats of strength he grew up doing every year with his friends into a reality TV game show. The “Las Vegas” actor later turned the experience into the 2019 gross out comedy film of the same name starring himself, Olivia Munn and Dax Shepard. A sequel, “Buddy Games: Spring Awakening,” was released earlier this year. Both were rated R, but the new show on CBS scales back from raunchier bits in the films for network television.
The series has ties to “The Real World” and “The Challenge” through Bunim Murray. Murray, who was a producer on both shows, helped create this show for CBS.
Hudson said a highlight of the trip last November was spending time with Duhamel, who had a habit of getting in trouble for “distracting” the cast offscreen.