Mortgage Broker in James Island, 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 James Island, 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 James Island, SC
 Mortgage Company James Island, 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 Lending Service James Island, SC
 Refinancing James Island, 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 James Island, 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 James Island, 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
 Refinances James Island, SC

Latest News in James Island, SC

Johns Island drivers frustrated with new traffic signal

JOHNS ISLAND, S.C. (WCSC) - A new traffic light on Johns Island has caused a stir for people who live and drive through the area.The light, located at Maybank Highway and Fenwick Hall Allee, was installed Tuesday. After just one day, officials with the City of Charleston have received calls from people who drive through the area frustrated that traffic on Maybank Highway has gotten even worse.“They’ve been steady coming from us. As well, they’ve been going to the DOT, and Charleston County as well,” Robe...

JOHNS ISLAND, S.C. (WCSC) - A new traffic light on Johns Island has caused a stir for people who live and drive through the area.

The light, located at Maybank Highway and Fenwick Hall Allee, was installed Tuesday. After just one day, officials with the City of Charleston have received calls from people who drive through the area frustrated that traffic on Maybank Highway has gotten even worse.

“They’ve been steady coming from us. As well, they’ve been going to the DOT, and Charleston County as well,” Robert Somerville, director of the City of Charleston’s department of traffic and transportation said. “We are aware and we’re working on it. We just ask for your patience and we will get it figured out.”

This signal was part of the Northern Pitchfork project. Somerville said with concerns about safety involving drivers exiting out of Fenwick Hall Allee they decided to install a temporary signal before the mast arms were ready to be completed.

Since activating the signal Tuesday, Somerville said they found there is a problem within the corridor that affects the timing from Headquarters Plantation to River Road. They’ve had technicians from the city and DOT at the location to try to get the issue figured out.

“This is a safety project,” Somerville said. “We’ve had numerous accidents at that intersection so I believe this signal will be the best thing for Maybank Highway and Fenwick Allee in the long run.”

For Dan Kinne, who lives near the traffic light, the new signal is allowing him to breathe a little easier.

“You used to take your life in your hands when you were coming out of there and turning left onto Maybank or coming home on Maybank turning left onto Fenwick Hall,” Kinne said. “I’m lucky we never got hit.”

People have taken to social media to complain about an increase in traffic on Maybank Highway.

Katelyn Robinson commutes to Johns Island every day to take her daughter to school. She said it takes her 10 minutes to take her daughter to school, but an hour to get home.

“It’s affecting everybody’s sanity and their drive to work in the morning,” Robinson said. “They have a livelihood they have to keep up, they have jobs they have to get to, kids they have to drop off, things they have to do in the morning.”

Somerville said the permanent signal will be ready to be installed in about a year. For now, he is asking for patience.

Copyright 2023 WCSC. All rights reserved.

High School Notes: James Island girls soccer facing adversity in bid for three-peat

As the two-time defending Class AAAA state champion, the James Island girls soccer team fully expects to be a contender for a third straight championship.But, as coach Kimberly Cohn and her 2023 team is finding out, the road to a three-peat is not an easy trek.Beset with several key injuries, and losing a player for part of the season to international competition, Cohn is forced to change formations of her starting lineup while trying to remain competitive.The Trojans remain a viable state title contender with a 6-3-2 re...

As the two-time defending Class AAAA state champion, the James Island girls soccer team fully expects to be a contender for a third straight championship.

But, as coach Kimberly Cohn and her 2023 team is finding out, the road to a three-peat is not an easy trek.

Beset with several key injuries, and losing a player for part of the season to international competition, Cohn is forced to change formations of her starting lineup while trying to remain competitive.

The Trojans remain a viable state title contender with a 6-3-2 record as the season enters the final month of regular season play. The losses have come to formidable opponents (Wando, Oceanside Collegiate and Bluffton).

“The girls have shown some serious grit this season, and with some key players coming back from injury after spring break, I think that we should be able to make a strong run to a third straight state championship,” Cohn says.

Getting through the regular season will not be easy as Region 7-AAAA is very difficult.

“Region & is, in my opinion, the hardest region in AAAA,” Cohn says. “Last year, three out of the four teams that made it into playoffs, made it to the Lower State semi-finals. We are fortunate to be able to face some really great competition throughout the season, and this really prepares us for when we get into playoffs.”

Cohn says she puts a different lineup on the field in virtually every game.

Regular starters Olyvia Briggs (senior captain), Hayden Rape and Ellie Davis, all outside backs, are currently on the sidelines with injuries. All three were key performers in last year’s title run. Rape, a senior and an Appalachian State commit, has missed the entire season but is hopeful to return after spring break.

Junior Marley Walker, a key defender, is missing games as she participates with the Trinidad and Tobago national team in the upcoming CONCACAF Cup. She should be back in the States in time for the state playoff run.

Juniors Alexis Spivey (six goals, six assists) and Gabby Redman (six goals, four assists) continue to set the pace offensively.

OCA, Pinewood in national rankings

Two Charleston-area high school soccer programs are receiving national attention by MaxPreps.com.

The Oceanside Collegiate boys team, currently undefeated, was ranked as No. 1 team in the country in the website’s most recent national rankings.

The MaxPreps rankings are based strictly on results. The more a team wins, the higher the ranking. The system also takes into account quality wins against other highly ranked opponents as well as strength of schedule.

The Landsharks took over the No. 1 spot in the rankings after last week’s No. 1, Chapin High, dropped a 2-1 decision at River Bluff last Saturday. Chapin (10-2) plays in Class AAAAA.

In addition to holding down the No. 1 spot in the MaxPreps rankings, the Landsharks currently sit at No. 22 in the nation according to the United Soccer Coaches poll. That poll has Oceanside ranked third among state schools with Ashley Ridge sitting in the No. 2 spot with an 13-0 record. Ashley Ridge is ranked fifth nationally by MaxPreps.

In girls soccer, Pinewood Prep is ranked No. 6 nationally and No. 1 in South Carolina by MaxPreps. Pinewood Prep is 12-0 this season, outscoring its opponents, 78-4, as the team seeks a third straight SCISA state championship.

Stratford’s McNeil steps down

Stratford girls basketball coach Kelly McNeil stepped down from her position earlier this week.

McNeil guided the Knights to their best season in school history, reaching the Class AAAAA state finals before losing to Mauldin. The Knights finished with a 25-5 record.

McNeil orchestrated one of the more impressive turnarounds in the state over the last several seasons. From 2017-18 through the 2020-21 season, McNeil and the Knights won just nine of 70 games. However, the last two seasons produced a 44-14 record and the school’s first Lower State championship.

A reason for her resignation was not immediately known.

Mayor: 2 illegal stop signs cause confusion, controversy in James Island neighborhood

Two fake stop signs have been found in one James Island neighborhood, which the mayor says has caused confusion and controversy between town officials and localPublished: Mon Oct 31 2022JAMES ISLAND, S.C. (WCSC) - Two fake stop signs have been found in one James Island neighborhood, which the mayor says has caused confusion and controversy between town officials and locals.A neighbor’s security camera captured the Town of James Island’s public works department removing the illegal stop signs from the corner o...

Two fake stop signs have been found in one James Island neighborhood, which the mayor says has caused confusion and controversy between town officials and local

Published: Mon Oct 31 2022

JAMES ISLAND, S.C. (WCSC) - Two fake stop signs have been found in one James Island neighborhood, which the mayor says has caused confusion and controversy between town officials and locals.

A neighbor’s security camera captured the Town of James Island’s public works department removing the illegal stop signs from the corner of Clearview Drive and Tennant Street on Oct. 21.

“You cannot put your own stop signs out. You can always come to the town and make a request, and it will always be merited,” Mayor Bill Woolsey said. “We won’t often be able to put them up, but you can’t put them up yourself, and how we respond is we immediately contact SCDOT. We would have been very surprised if they put a stop sign out there without telling us beforehand.”

A worker could be seen wiggling one of the signs a couple of times before lifting it out of the ground and placing it in the back of a truck.

Not only were the signs put in illegally, according to the Charleston County Sheriff’s Office, but the ground next to the street was painted with white stop bars, as well.

“It’s the first I’ve ever heard about it, and I hope it doesn’t spread,” Woolsey said. “[I’m surprised] someone would come and paint a line in the road and buy some online stop signs and install them themselves in the middle of the night or early in the morning.”

Deputies said they were patrolling the area the night before and didn’t see any new signs, but when they went back the next day, they said the signs, which were apparently purchased online, had been put in overnight.

The South Carolina Department of Transportation has also confirmed they have not installed any stop signs at the intersection.

Neighbors initially thought the stop signs were put in by DOT to help with speeders and said the fake signs hurts their ability to address the issue.

“I guess somebody duped us, and they were putting in fake stop signs,” neighbor Jim Boyd said. “They looked to all of us legitimate and 100% real. We are just in favor of anything and everything that we can get people to slow down. Yes, we understand first responders need to get here quickly as well, but we want everything and anything.”

However, Woolsey said he believes the signs did not pop up at random.

“If we find out who did it, they will be charged, and we believe that, most likely, it was someone who lives close by,” he said.

Woolsey also said there was a recent incident where an illegal speed bump was found and removed near the intersection. He said the speed bump had black and yellow stripes and was similar to one found in parking lots across the Lowcountry.

Copyright 2022 WCSC. All rights reserved.

Charleston leaders address flooding in James Island neighborhood

JAMES ISLAND, S.C. (WCBD) – Charleston City leaders provided some insight on a flood-prone neighborhood on James Island that saw an excess of water after Hurricane Ian.News 2 first introduced viewers to Michael Miller and his wife on Friday when Hurricane Ian flooded their home and others on Shoreham Road. James Island couple r...

JAMES ISLAND, S.C. (WCBD) – Charleston City leaders provided some insight on a flood-prone neighborhood on James Island that saw an excess of water after Hurricane Ian.

News 2 first introduced viewers to Michael Miller and his wife on Friday when Hurricane Ian flooded their home and others on Shoreham Road.

According to Miller, it took about five to six hours for the water to drain on the street and about three hours for it to recede inside his home.

“We just started getting as much of the water and as much of the dirt out as we could. Putting up fans, scrubbing down everything. Trying to assess the damage,” said Miller.

According to Charleston City leaders, Shoreham Road is known to flood because it sits in a low-lying area.

“It’s a neighborhood where when that water falls on the streets and on the roofs and on the properties it’s hard to move it out very quickly especially if we get higher tides,” explained Matthew Fountain, the Director of Stormwater Management for the City of Charleston.

There are a few projects in the works to help prevent flooding in the neighborhood. Fountain said one includes a rain garden that is set to be built at the site of a former flood-prone home the city acquired through federal grants.

He said the other small project consists of constructing a drainage swale system to help store more water in the neighborhood. While these projects can help with a typical thunderstorm/rain event, Fountain said it will take more to prevent flooding in a major storm like Ian.

“That neighborhood is going to experience flooding. That’s part of the reason we’ve looked at home acquisitions and demolition in that location giving people the opportunity if they have a heavily flooded home to have the city work with the federal government and eventually buy their homes,” explained Fountain.

Meanwhile, drainage projects on other parts of James Island seem to be showing signs of improvement. News 2 met with Charleston County Councilwoman Jenny Costa Honeycutt at the Charleston Municipal Golf Course where drainage improvements are underway.

She said Hurricane Ian was one of the first big storms to hit the area since rolling out the projects. Because of the work that was done over the last few years, Honeycutt said the water in the system was able to drain within one tide cycle, as opposed to sitting for days as it has in the past.

“One of the parts of the improvements that really helped was cleaning out the Stono River outfall and then back up the ditch system to the entire watershed, so that water could drain out faster. In conjunction, we also enhanced these ponds you see on the golf course to allow more water to stay in the system as the tides change,” explained Honeycutt.

According to city leaders, they monitor streets like Shoreham Road ahead of big storms, making sure the pipes aren’t clogged.

Charleston restaurant to add 3rd site on James Island; new peninsula dining place to open

A Charleston-based sushi restaurant and sports bar with two Lowcountry locations will add a third site by the spring in a former bar and grill on James Island.Locals Sushi & Sports Pub plans to open after buying the lease for the space at 792 Folly Road where The Roost Bar N’ Grille operated until Jan. 31 according to Jim Moring with Restaurantbrokers.info, who handled the transactio...

A Charleston-based sushi restaurant and sports bar with two Lowcountry locations will add a third site by the spring in a former bar and grill on James Island.

Locals Sushi & Sports Pub plans to open after buying the lease for the space at 792 Folly Road where The Roost Bar N’ Grille operated until Jan. 31 according to Jim Moring with Restaurantbrokers.info, who handled the transaction for the property owner and tenant.

Locals owner Shawn Sherman said he’s planning some cosmetic changes, and the 4,500-square-foot venue should be open in a couple of months. He also plans to add a patio bar in the future.

Sherman took over the remainder of the existing lease term of about a year with the option to renew for two five-year terms.

The site once housed Charleston Sports Pub before it moved to Maybank Highway in 2021.

Locals has other restaurants in Mount Pleasant and West Ashley. The Roost has another location in Avondale in West Ashley.

Opening soon

A new restaurant from the couple who brought Community Table and Kiki & Rye to Mount Pleasant is ready for its debut in downtown Charleston.

Southbound, part of Free Reign Restaurants, will open at 4 p.m. Feb. 10 at 72 Cannon St.

Southbound’s menu will include appetizers as well as main dishes such as steaks, pork chops and seasonal fish along with vegetarian options.

The main level of the 2,000-square-foot space features a 10-foot open hearth with seating around it and about 45 seats outside on a wrap-around porch and terrace. The upstairs includes a bar and dining area. It will be open for dinner 4-10 p.m. daily.

Free Reign is owned by Ryan and Kelleanne Jones.

Now serving

An Italian eatery recently opened at Citadel Mall. Bella Roma can be found in the food court. It’s owned by Fabio and Barbara Spadaro.

Stepping in

A women’s shoe shop is coming to Mount Pleasant.

Dear Lucy plans to open tentatively by March 1 at 1421 Shucker Circle in the Oyster Park development off Ben Sawyer Boulevard.

The owner of the 1,500-square-foot space is Melissa Desautels. The Mount Pleasant resident operates another store in Burlington, Vt.

Flying in

Charleston International Airport recently welcomed new vendors to its retail lineup.

Hudson Nonstop and Sunglass Hut are now open beyond the Transportation Security Administration checkpoint.

Hudson Nonstop sells food, beverages and travel amenities. The CHS shop features Amazon’s “Just Walk Out” technology, allowing customers to enter by swiping a credit card or holding their palm over an Amazon One device. It also offers a contactless way to pay, charging shoppers for goods they take off the shelves as they exit.

“It’s the ultimate convenience and self-serve option for fliers on the go,” Charleston airport CEO Elliott Summey said.

Nearby, Sunglass Hut offers a range of styles from Ray-Ban, Oakley and other brands.

Supply side

Tractor Supply Co. is out to plow new ground in the Charleston area.

The chain plans to build a 22,000-square-foot store on 7.25 acres on Dorchester Road between Shady Lane and Stack’s Nursery.

The store will be the Tennessee-based company’s fifth in the Lowcountry. Others are in Awendaw, Moncks Corner, Ravenel and near Nexton in Berkeley County.

An affiliate of developer Farmer & Associates of Aiken paid $1.19 million for the Dorchester County site, according to buyer’s representative Will Sherrod of the commercial real estate firm NAI Charleston.

The land was previously owned by Old Fort Baptist Church and Oakbrook Community Church.

The new store will include a garden center and outdoor display area. Completion is targeted by the end of the year, Sherrod said.

The Aiken buyer will develop and lease the site to Tractor Supply. About two acres of outparcel space will be set aside for future purchase.

Doug Richardson with Carolina One Real Estate and Michele Costanzo with eXp Realty represented the sellers.

Shoe shine

An East Cooper footwear store is undergoing a makeover.

Rack Room Shoes in Mount Pleasant Towne Centre will be closed until late March for a total renovation, according to shopping center spokeswoman Kathi Herrmann. The 9,108-square-foot store closed in early February.

A grand reopening is planned for March 25.

Staying fit

The Planet Fitness gym site at 2070 Sam Rittenberg Blvd. in Citadel Mall reopened Feb. 6 after undergoing renovations since November.

The remodel included the gym’s Black Card Spa and locker rooms. Also, overhead televisions were added to the cardio theater.

Diversifying

A North Carolina-based supermarket chain with 19 locations in the Lowcountry hopes to improve its diversity of product suppliers.

Harris Teeter, an affiliate of The Kroger Co., will accept applications through Feb. 10 for its virtual Supplier Diversity Summit set for March 28-30.

The grocer will work to identify and increase sourcing for retail-ready products typically found in a supermarket from suppliers that are at least 51 percent-owned, -operated and -managed by people who are disadvantaged, disabled, LGBTQ+, military veterans, minorities and/or women.

Harris Teeter is partnering with RangeMe, an Efficient Collaborative Retail Marketing company, to manage submissions. To apply, go to tinyurl.com/2zwt6e2c.

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