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 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.
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 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 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 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.
JAMES ISLAND, S.C. (WCSC) - The James Island Public Service District will begin work to replace septic tanks and connect sewer lines to 199 properties as residents will be moved from septic to sewer lines.People living in the Clarks Point neighborhood and along Oak Point Road will be moved from septic to sewer lines by December of 2026.The total projected cost is about $10.3 million.“So we’ve been at this since 2020. And that’s when the James Island Water Quality Task Force was created. So the James Isl...
JAMES ISLAND, S.C. (WCSC) - The James Island Public Service District will begin work to replace septic tanks and connect sewer lines to 199 properties as residents will be moved from septic to sewer lines.
People living in the Clarks Point neighborhood and along Oak Point Road will be moved from septic to sewer lines by December of 2026.
The total projected cost is about $10.3 million.
“So we’ve been at this since 2020. And that’s when the James Island Water Quality Task Force was created. So the James Island Creek was designated as an impaired waterway and the task force needed to start addressing the issues,” District Manager Dave Schaeffer says.
Director of Land Water Wildlife at the Coastal Conservation League, Riley Egger says septic tanks released decomposed matter that can be detrimental if disease causing bacteria makes its way into waterways.
“Septic tanks along the coastal zone especially can be particularly dangerous knowing that they face certain conditions from sea level rise from groundwater intrusion and just the challenges of living on the coastal zone,” Egger says.
Egger says the James Island grant is a good step in fixing one area that faces problems.
“When we set up septic tanks that are particularly dense right on the waterways, right on our wetlands, we’re really setting up the future to fail,” Egger says. “What we really need to do is consider septic tanks and where we place them more within the planning process and more of our regulations. The best way to prevent a septic tank from failing is before it ever it gets in the ground.”
The homes impacted by the district’s project can expect a letter detailing the plan in the coming months.
The federal money for the project had a deadline to be used by December of 2026. Schaeffer says it will take time to get proper and easements and estimates groundwork will begin toward the end of 2024.
“Obviously we have started already with preliminary engineering and surveying and the easements that are required and the permitting that is required. So that is a years long process,” he says.
Schaeffer says there will be public engagement sessions to answer questions for people who live on properties being connected so their questions will be answered over the course of the years long project.
“This is kind of like 199 mini projects. We have to work with each one of the homeowners as far as where the pump is going to go, where’s the power to be able to have the pump, to be able to get each one of those households on to the sanitary sewer system. It’s kind of an individual project,” Schaeffer explains.
The sewer lines will be laid underground, and a pump will replace each home’s connection to a septic tank.
“We’re the last utility going into these neighborhoods. So there’s already power and there’s already cable and water and things for us to hit. And so instead of trenching, open trenching, we have the technology to be able to bore through so that we’re not tearing up the roads and there’s less disturbance for the community,” Schaeffer says.
Schaeffer thanked the state representatives who lobbied for this money and says the district will continue to work to replace aging septic with lines as they are able in the coming years.
The cost breakdown is as follows:
Upcoming James Island Public Service District Wastewater meetings:
Meetings are located at Fire Station 1 on 1108 Folly Rd.
Copyright 2023 WCSC. All rights reserved.
The James Island Public Service District owned the land and drafted an ordinance to sell the land to a developer in February.JAMES ISLAND, S.C. (WCSC) - Residents of the Whitehouse Plantation neighborhood on James Island say they want to be involved and informed about all plans for the tract of land that backs up to their homes.The 6.25-acre tract of land off Dills Bluff Road has been an undisturbed green space for years.The James Island Public Service District owned the land and drafted an ordinance to sell the land to ...
The James Island Public Service District owned the land and drafted an ordinance to sell the land to a developer in February.
JAMES ISLAND, S.C. (WCSC) - Residents of the Whitehouse Plantation neighborhood on James Island say they want to be involved and informed about all plans for the tract of land that backs up to their homes.
The 6.25-acre tract of land off Dills Bluff Road has been an undisturbed green space for years.
The James Island Public Service District owned the land and drafted an ordinance to sell the land to a developer in February.
Ken Godwin has lived in the neighborhood for nearly 50 years and enjoyed the trees and buffer area for that time.
“I’ve known about this particular property for quite a long period of time when it belonged to the public service district. They wanted to move their facilities over here, garbage trucks, officers and all this kind of stuff. I was opposed to it, numerous residents in the neighborhood were opposed to it. We feel that any new development back here should be single family residential only,” Godwin explains.
In March, homes within 500 feet of the land got a letter from the developer.
The letter, signed by KT Properties owner Kyle A. Taylor, invites the homeowners to two public meetings about developing the land. The letter proposes a mixed-use planned development with approximately 20 single-family homes and 20,000 to 25,000 square feet of commercial space.
John Montague-Blythe says he lives close to the edge of the neighborhood where the tract begins but he did not know about the meetings.
“I feel like wool has been pulled over my eyes, quite frankly. I came in and a person at town hall, while I was getting permits to have a pool building up in the back of our home, told me that they were developing that land she said have you heard about it?,” Montague-Blythe says. “Well, I’m four houses down in the street that’s outside of 500 feet.”
After missing the meetings and feeling out of the loop, neighbors are banding together to share their insight about the land.
Godwin wrote a petition that asks that any development be kept to just single-family homes to preserve the fabric of the neighborhood.
James Luby says he and Godwin will be knocking on doors to let all their neighbors know and see where they stand.
“We were blindsided. We weren’t told. And then all of a sudden. This spread like wildfire. I have a list of people with everything so we’re just gonna go for prepare for the next meeting. Get our petition going. Just get the word out. Because nobody likes it,” Luby says.
Sidonie Aten says she learned about the development while out on a walk and is now invested in making sure she follows the approval process.
“My husband and I were walking the neighborhood like we have done for years, and it’s the first time I heard about it. I still don’t completely understand where all of this is going,” Aten says.
Aten says she hopes other neighbors will sign their petition an join the group to find out what’s best for the neighborhood.
“I’m here mainly to find out exactly what’s going on and to follow up at every meeting that I possibly can to put the brakes on this. There’s too many families that have lived in this neighborhood, quiet peacefully, and we don’t need this and James Island does not need another car or any more traffic,” she says.
James Island Public Service District held a first reading of the proposed sale of the property in February of 2023. The second reading passed in March of 2023.
A week after a request for comment from KT properties about the residents’ complaints owner Kyle Taylor issued a statement. It reports that 18 and ten community members attended each of the two public meetings respectively. The letter says properties within 500 feet were notified “in excess of the 300 feet range typically required for public notices.”
Taylor calls the two meetings productive and notes that community participation exceeded expectations.
“As a result of the workshops, the development will not propose a cross-connection road with Whitehouse Plantation, the development will contain multiple stormwater management ponds for runoff retention and reduction,” the statement reads.
The developer also announces a third community workshop scheduled for Friday June 2nd at Town Hall (1122 Dill Bluff Road). At the workshop, information from prior meetings will be presented and the developer will answer questions.
Copyright 2023 WCSC. All rights reserved.
JAMES ISLAND — Charleston Water System is investigating a sewer main break on Harborview Road that poured unknown amounts of wastewater into James Island Creek.This is the second time in three years that a break occurred in this area.Environmentalists say the repeated frequency, combined with current bacteria concerns, suggest better system maintenance is needed, along with riddance of septic tanks adjacent to the creek.A contract diver discovered on the afternoon of March 9 that two pipes had separated, causing th...
JAMES ISLAND — Charleston Water System is investigating a sewer main break on Harborview Road that poured unknown amounts of wastewater into James Island Creek.
This is the second time in three years that a break occurred in this area.
Environmentalists say the repeated frequency, combined with current bacteria concerns, suggest better system maintenance is needed, along with riddance of septic tanks adjacent to the creek.
A contract diver discovered on the afternoon of March 9 that two pipes had separated, causing the leak.
A fisherman notified the water utility March 8 of the underwater break in the water below the Julian Thomas Buxton Jr. Bridge. It took time for inspection crews to get to the site because of the tides, but the pumps were turned off shortly after, said Mike Saia, a spokesman for the utility.
Shutting off the pumps eliminated the release of additional wastewater into the water system.
This sewer main manages wastewater from a broad area of the James Island Public Service District and parts of unincorporated Charleston County. The same one broke about three years ago in the marsh but closer to Plum Island. It took a number of days to repair.
The breaks are a big concern, said Andrew Wunderley, executive director at Charleston Waterkeeper.
“It’s an established problem with bacteria pollution at James Island Creek from human sources and other sources, as well,” he said. “Any additional bacteria discharge in a creek is a concern of course.”
Charleston Waterkeeper consistently tests the quality of a number of waterbodies in the Lowcountry, including James Island Creek. The waterkeepers sample for bacteria as an indicator of the possible presence of pathogens.
Persistently high bacteria levels have been identified in the James Island Creek, mainly in the Folly Road area. Wunderley said any input of bacteria is a problem.
It is a challenge for iron pipes to survive long-term in soft environments like the marshy parts of Charleston. Saia said Charleston Water System is considering grant funding to help replace the James Island pipes that have seen two breaks in three years.
This notion is good progress, Wunderley said, “but I think we need to accelerate that project.”
“Whatever needs to be done to bump that up in the priority list, they need to be thinking about it,” he added.
A vactor truck was on site March 9 to pump down the wet wells and pump stations at both sides of the break. Because of this, no additional wastewater will spill into the creek, Saia said. The utility is working on a plan to repair the pipes.
People are urged to avoid swimming, fishing or using the area for other recreational activities until further notice.
Interruptions to customers’ service is not expected while assessments and repairs are made. No road closures have been announced.
In the meantime, people can do like the fisherman on March 8, and report possible main breaks. It’s helpful in identifying them and stopping the wasterwater spills.
South Carolina’s first-ever cannabis dry bar has landed on James Island. High Rise Dry Bar from Charleston Hemp Collective opened Aug. 11 and is changing the world of hemp-derived products and the non-alcoholic beverage space by offering mocktails made with legal cannabis seltzers.“I think it’s really cool pioneering stuff like this,” said Matt Skinner, owner of Charleston Hemp Collective. “You always kind of worry about whether it’s going to go over and how many people are going to relate to it, bu...
South Carolina’s first-ever cannabis dry bar has landed on James Island. High Rise Dry Bar from Charleston Hemp Collective opened Aug. 11 and is changing the world of hemp-derived products and the non-alcoholic beverage space by offering mocktails made with legal cannabis seltzers.
“I think it’s really cool pioneering stuff like this,” said Matt Skinner, owner of Charleston Hemp Collective. “You always kind of worry about whether it’s going to go over and how many people are going to relate to it, but I feel like the reception we’ve gotten just so far is insane, so I’m super-excited about it.”
In recent years, the popularity of legal hemp-derived products has exploded in the Charleston area as these products are said to offer purported medicinal benefits and increase relaxation. Hemp Collective offers a range of products from vapes and gummies to tinctures and even Bloody Mary mix. But since launching its cannabis seltzer High Rise in May 2022, Skinner has noticed a fast-shifting acceptance.
“Charleston has really embraced this whole [cannabis] movement,” he said. “So much has changed, and so much of it is becoming more and more accepted.”
Currently, High Rise’s seltzers are in about 200 bars and restaurants, including Halls Chophouse and Husk, and 350 shops and grocery stores in the Charleston area. But the product also is distributed throughout the Southeast in Tennessee, Florida, North Carolina and Georgia.
“Some of the most elevated restaurants in Charleston are really trying to create mocktails now and jumping on board with High Rise to help craft that, and I think that’s special,” Skinner said.
He said he believes now is an exciting time — not only for the cannabis space but also the non-alcoholic market. He points to a renewed interest in non-alcoholic options particularly amongst Gen Z, who are noticeably drinking less alcohol than previous generations.
A 2022 consumer trends report from Drizly found 38% of Gen Z respondents said they opted for more alcohol-free drinks than the previous year compared to 25% of Millennials, 15% Gen X and 8% Baby Boomers.
“There’s this interest not only in the ‘canna-curious’ space right now, but also people are looking for NA (non-alcoholic) options. The NA world and the beverage space right now is insane,” Skinner said.
The company’s original plan was to create a second shop with a small bar, but now the bar is really the star, he said. Skinner and his business partner, Chris Long, wanted a space for a high-end mocktail bar, so they used a portion of the space for the shop and a larger portion for a bar, lounge area and multiple tables for guests to sit and mingle.
During the store’s recent soft opening, DJ Jerry Feels Good set the vibe with upbeat tunes. Skinner said the bar plans to bring DJ Jerry Feels Good back as a regular in-house DJ in addition to rotating other DJs on various nights.
Currently, the bar’s open from 10 a.m. to 10 p.m. Sundays through Wednesdays and 10 a.m. to 11 p.m. Thursdays through Saturdays. But Skinner said they may expand the weekend hours in the future.
The first iteration of the drink menu includes seven unique mocktails with names like Connection, Tranquility, Invigorate and Zen.
Drinks include fruity ingredients like salted watermelon and pomegranate and well as savory elements like ginger, turmeric and matcha. The menu offers suggestions under each drink to add CBD, Delta-8 or Delta-9 seltzer to elevate the experience.
For those who are canna-curious but not familiar with these different derivatives of the hemp plant, CBD is a non-psychoactive compound found in hemp that can induce feelings of relaxation. Delta-8 and Delta-9 are both psychoactive compounds in the plant that can induce feelings of “being high.”
Roughly one-third of a can of High Rise seltzer is used in each drink — equal to two milligrams of CBD, Delta-8 or Delta 9.
“The point is not just one and done,” Skinner said of the mocktails. “We want you to be able to try two or three drinks. And by the time you get to your third drink, you’re gonna be feeling really good. It creates more of a social experience.”
Jules Schneider, beverage director for Herd Provisions, helped develop the current menu. “[This was] easily the most challenging menu I’ve done so far,” Schneider said. “Coaxing out flavor without the use of alcohol is another beast on its own. Alcohol is such a great solvent that making well-flavored ingredients is a cinch. I ended up making my own bitters with vegetable glycerin in a pressure cooker and really relied on great produce and proper technique to make fantastically flavored syrups.”
Skinner added, “I’ve got to give a lot of props to Jules. Not only did he take time to look at so many different [flavor] profiles, [but] he was also very careful when he named them. They all really represent the ingredients of those drinks and what they stand for.”
The menu will change quarterly to introduce new drinks and operate as a space for experimentation. Skinner wants to use the bar to test out new mocktails in addition to featuring rotating specialty High Rise drinks other restaurants and bars have developed for their location including Herd Provisions, The Longboard and others.
“Charleston is a community that supports brands that they feel like are really making a movement, and Charleston has really gotten behind High Rise,” Skinner said. “I don’t think there’s another city in the Southeast that has so much respect for this cannabis drink space.”
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JAMES ISLAND, S.C. (WCBD)- It has been 35 days since Jennifer Drummond was found severely injured along a James Island road.Friends and family are still searching for answers in what is believed to be a hit-and-run.The family, joined by their attorney, held a press conference Wednesday morning with new details they hope will bring them closer to finding the person responsible.The Drumond family, fatigued, after over a month of not knowing exactly what happened to Jenn.“We don’t sleep at night, wonderin...
JAMES ISLAND, S.C. (WCBD)- It has been 35 days since Jennifer Drummond was found severely injured along a James Island road.
Friends and family are still searching for answers in what is believed to be a hit-and-run.
The family, joined by their attorney, held a press conference Wednesday morning with new details they hope will bring them closer to finding the person responsible.
The Drumond family, fatigued, after over a month of not knowing exactly what happened to Jenn.
“We don’t sleep at night, wondering if someone texted with a lead,” Jenn’s uncle, Chris Drummond said.
However, they’re not letting up.
Drummond said, “You just can’t hit somebody in the roadway and drive off, and someone not know something.”
Searching everywhere they know of for answers to what is believed to be a hit-and-run.
In a press conference Wednesday morning, their attorney Scott Bischoff, gave new information on her movements that morning.
“Based on information on Jenn’s phone, her step count that was also connected to her apple watch, we believe that she left her house around 5:17 and her step count stops at 5:18, just before 5:19,” Bischoff said.
According to surveillance video there were three cars that drove down Woodland Shores Road around the time of the incident, but new video shows the car believed to be the one that hit Jenn.
“We believe the primary suspect vehicle is vehicle number 3, that appears to be a relatively modern SUV with a sunroof and 5 lights,” Bischoff said.
As far as Jenn’s condition, family members say she is making progress.
They say she got up and walked yesterday, but she’s still very slow to answer questions and there’s still a long way to go.
At this point they’re just doing whatever they can to bring justice to Jenn.
“On top of a really awful injury that she suffered, our mind is also thinking who did this, when will answers surface, will answers surface. It’s something that weighs on our mind constantly,” Jenn’s best friend, Audrey Marhoefer said.
There is a $10,000 reward for information about the incident of you have any information about this incident, call the Charleston County Sheriff’s Office.