Mortgage Broker in Kiawah 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 Kiawah 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 Kiawah Island, SC
 Mortgage Company Kiawah 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 Kiawah Island, SC
 Refinancing Kiawah 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 Kiawah 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 Kiawah 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 Kiawah Island, SC

Latest News in Kiawah Island, SC

Kiawah conference lures top leaders from the wide world of sports, other industries

A low-key conference that brings together high-level global executives from the sports, media, technology and finance industries has returned to the South Carolina coast for its second go-round.The corporate summit, organized by the investment firm Bruin Capital and the Sportico online news outlet, kicked off April 11 on Kiawah Island.More than a dozen commissioners of professional sports leagues and about 40 team owners from around the world are expected to be in attendance, among other movers and shakers. Boris Johnson, Brita...

A low-key conference that brings together high-level global executives from the sports, media, technology and finance industries has returned to the South Carolina coast for its second go-round.

The corporate summit, organized by the investment firm Bruin Capital and the Sportico online news outlet, kicked off April 11 on Kiawah Island.

More than a dozen commissioners of professional sports leagues and about 40 team owners from around the world are expected to be in attendance, among other movers and shakers. Boris Johnson, Britain’s former prime minister, and U.S. Surgeon General Vivek Murthy were set to speak at early sessions.

The only publicly identified participant other than the CEOs of the sponsors was financier Marc Lasry of Avenue Capital Group, who is a co-owner of the NBA’s Milwaukee Bucks.

The conference is described as an off-the record gathering but not entirely. CNBC was granted access to the first event held last May at Kiawah Island Golf Resort and again this week.

A beachfront interview with Lasry that aired on the cable news network Wednesday was devoted not to basketball but the banking crisis.

A separate discussion with summit organizers George Pyne of New York-based Bruin Capital and Jay Penske of Sportico parent Penske Media Corp. touched on the fast-rising values of professional sports franchises, the likely sale of the NFL’s Washington Commanders and the use of artificial intelligence in newsrooms.

In a December profile of Pyne, the Boston Globe described the Kiawah conference as a “super-sized” version of an annual luncheon he put together for 13 years in the private dining room at Le Bernardin in New York City.

The South Carolina summit last spring included “14 commissioners, 30 team owners and about 50 others … . Former President George W. Bush headlined a list of VIP speakers,” according to a copy of the article posted on Bruin Capital’s website.

The moderator of a talk with cryptocurrency experts last year offered a few more details.

“I host panels at conferences all the time, but this event was a little different: the attendees included the biggest power brokers in sports and finance,” wrote Dan Robert, editor-in-chief of Decrypt.

He added that Bruin Capital and Sportico are “aiming for the event to become the Sun Valley or Davos of sports business,” he added, referring, respectively, to a long-running media finance summit held in Idaho and a global economic forum in Switzerland.

They seem to be well on their way.

“NFL Commissioner Roger Goodell, NBA Commissioner Adam Silver, MLB Commissioner Rob Manfred, MLS Commissioner Don Garber, ESPN Chairman Jimmy Pitaro, and more than a dozen team owners were there,” according to Roberts.

Our twice-weekly newsletter features all the business stories shaping Charleston and South Carolina. Get ahead with us - it’s free.

The 8 Best Resorts To Stay In Across South Carolina

When it comes to resorts, South Carolina does it right. Whether you're looking to relax at a luxurious spa, stroll a sandy beachfront, or enjoy memorable meals, there's a resort in the Palmetto State with your name on it. Browse the amenities at these properties, and find what speaks to you. (There's plenty to choose from at each one.) The next step is bookin...

When it comes to resorts, South Carolina does it right. Whether you're looking to relax at a luxurious spa, stroll a sandy beachfront, or enjoy memorable meals, there's a resort in the Palmetto State with your name on it. Browse the amenities at these properties, and find what speaks to you. (There's plenty to choose from at each one.) The next step is booking a stay, packing your gear, and—finally—setting out on an adventure to a resort that feels like an oasis, whether a home away from home or just a break from the day-to-day. Rent bikes and pedal the sands. Order room service and enjoy the view from your windows. Find the poolside bar and relax. Memories, and a whole lot of fun, await. Want to continue traveling? Check out some of the best places to stay in every Southern state.

The Beach Club at Charleston Harbor Resort and Marina

This waterfront retreat is a consistently celebrated stay near Charleston. Palmetto trees welcome you to the property, where you'll find wraparound porches, the serenity-inducing Estuary Spa, and a water taxi for ferrying you to downtown adventures. The abundance of patios and porches means you'll get your fill of harbor breezes (and handcrafted cocktails to enjoy while relaxing outdoors).

20 Patriots Point Rd, Mt. Pleasant, SC 29464, charlestonharborresort.com

02

The Inn & Club at Harbour Town

Book a stay at The Inn & Club at Harbour Town, part of The Sea Pines Resort in Hilton Head, for a warm welcome and rooms with a view. The boutique luxury hotel has 60 guest rooms and offers opportunities for rounds of golf, swings on the tennis courts, and relaxation at the pool. You can also book private fishing charters, cruises, and boat tours at the nearby full-service marina.

7 Lighthouse Ln., Hilton Head Island, SC 29928, seapines.com

03

Marriott Myrtle Beach Resort & Spa at Grande Dunes

Find pools galore at this Myrtle Beach resort. Sun, sand, and plenty of bright blue umbrellas and loungers await when you book a beachfront stay at this inviting spot. There are indoor and outdoor pools, beach access, and opportunities for pampering at Hibiscus Spa. Open your windows to the beach air, enjoy a meal at the resort's restaurants, or stroll outside to the pool deck—there is fun all around here.

8400 Costa Verde Dr., Myrtle Beach, SC 29572, marriott.com

04

Montage Palmetto Bluff

This Lowcountry property is situated along the May River in Bluffton, which means it has instant appeal—and a marina on the waterfront. Located between Hilton Head and the Georgia border, this resort is equal parts relaxation and adventure. It has fantastic restaurants, a nature preserve, and a Jack Nicklaus Signature Golf Course.

477 Mt Pelia Rd., Bluffton, SC 29910, montagehotels.com

05

The Omni Hilton Head Oceanfront Resort

Book a stay at The Omni Hilton Head Oceanfront Resort, and enjoy the sea breezes. This resort has something for everyone, including dining, swimming, golfing, and lounging on the sands. In addition to the resort's amenities, you can book packages (like the Family Fun Package with bike and kite rentals) to complement your stay.

23 Ocean Ln., Hilton Head Island, SC 29928, omnihotels.com

06

The Sanctuary at Kiawah Island Golf Resort

Find a barrier island getaway at Kiawah Island Golf Resort—an oasis of sandy beachfront and championship golf courses near Charleston. There's also decadent dining at the resort's many stellar restaurants, including Jasmine Porch and The Ocean Room. With so much to enjoy, you don't want to miss the opportunity to stay at this luxury property.

1 Sanctuary Beach Dr., Kiawah Island, SC 29455, kiawahresort.com

07

Sweetgrass Inn at Wild Dunes Resort

Head to Isle of Palms for a stay at Sweetgrass Inn at Wild Dunes Resort, a 1,600-acre property near Charleston that's a destination for golfing (the Links Course has Atlantic views) and enjoying the coastline. With plenty of pools, bike rentals, and opportunities to relax (check out the Spa at Sweetgrass, where you can contact the spa concierge to customize your stay), you'll never want your vacation to end.

5757 Palm Blvd., Isle of Palms, SC 29451, destinationhotels.com

08

The Willcox

While not necessarily classified as a resort, you can find the epitome of South Carolina hospitality at this historic hotel, nestled in the resort town of Aiken. In addition to gracious accommodations, it has fantastic dining offerings for breakfast, lunch, and dinner, a relaxing spa, and easy access to the town's shopping, antiquing, arts, equestrian, and cycling opportunities.

100 Colleton Ave. SW, Aiken, SC 29801, thewillcox.com

President Biden begins summer vacation with family in Kiawah Island

KIAWAH ISLAND, S.C. —President Joe Biden arrived in South Carolina on Wednesday to begin what is expected to be at least a seven-day vacation with members of his family.The first couple was planning to be in Kiawah Island, noted for its private beach and golf resort, through Tuesday, according to Federal Aviation Administration advisories.The White House did not respond to requests to provide details on Biden’s vacation schedule, activities or when he planned to return to Washington. The pres...

KIAWAH ISLAND, S.C. —

President Joe Biden arrived in South Carolina on Wednesday to begin what is expected to be at least a seven-day vacation with members of his family.

The first couple was planning to be in Kiawah Island, noted for its private beach and golf resort, through Tuesday, according to Federal Aviation Administration advisories.

The White House did not respond to requests to provide details on Biden’s vacation schedule, activities or when he planned to return to Washington. The president will stay at a friend’s home on the island that the family has used for previous visits, according to a White House official.

President Joe Biden and First Lady Jill Biden to visit Kiawah Island this week

Biden, accompanied by first lady Jill Biden, departed the White House by motorcade to Joint Base Andrews outside the capital, where Air Force One was on hand to take them to Joint Base Charleston. Biden was dropped off at a private home in a gated community alongside a golf course on the island.

Biden was joined on Air Force One by his son, Hunter Biden, daughter-in-law Melissa Cohen and grandson Beau.

Summer vacations are a presidential tradition. George W. Bush often spent August clearing brush in the 100-degree heat that baked his central Texas ranch. Barack Obama worked on his golf game on the Massachusetts island of Martha’s Vineyard. Donald Trump spent time at his home on his private golf club in central New Jersey.

The White House in the past has emphasized that the president is never truly free from the job’s responsibilities — and that he’ll continue to consult with aides and take his daily national security briefing regardless of his location.

And at times, presidents have had to make legacy-defining decisions while on vacation, including Bush’s response to Hurricane Katrina flooding New Orleans in 2005. Bill Clinton ordered airstrikes against al-Qaida terrorists from Martha’s Vineyard in response to the bombings of U.S. embassies in Kenya and Tanzania. And Bush’s father, President George H.W. Bush, planned the U.S. response to Saddam Hussein’s invasion of Kuwait in 1990 from his family’s oceanfront compound in Kennebunkport, Maine.

7 Things to Do in Kiawah Island, South Carolina

It’s high time you added this Lowcountry destination to your beach bucket list.Follow winding, oak-shaded roads 25 miles southwest of downtown Charleston's cobblestone streets and celebrated restaurant scene, and you'll find yourself on Kiawah Island. Carved by the Kiawah River on one side and fronting the Atlantic Ocean...

It’s high time you added this Lowcountry destination to your beach bucket list.

Follow winding, oak-shaded roads 25 miles southwest of downtown Charleston's cobblestone streets and celebrated restaurant scene, and you'll find yourself on Kiawah Island. Carved by the Kiawah River on one side and fronting the Atlantic Ocean on the other, the barrier island is a true escape. Here, nature reigns supreme: ten miles of beaches roll out along the Atlantic; cicadas form their own sort of soundtrack; and lights-out is often determined by the sea turtles' nesting season. Even so, there's plenty to do for travelers who like their time in nature punctuated with good food, luxurious creature comforts, and a frozen drink in hand. Here are seven things to do in Kiawah Island, South Carolina.

Stay Like a Local

For access to all of Kiawah's amenities, from bike rentals to pools, you'll have to stay on the island. For an experience that's luxurious but unpretentious, book a room at The Sanctuary, an oceanfront hotel known for its five-star service and elevated onsite dining. For families who want a little room to spread out (or a kitchen), villa and home rentals are a smart choice; reserve through the resort directly, or book through a site like VRBO or Airbnb.

Spend a Day on the Sand

On the west end of the island, Beachwalker Park is Kiawah's only public beach access feels like a hidden gem, thanks to its wide, unspoiled expanses of sand. It offers the best of both worlds too: in addition to the ocean frontage, you can also score views of the Kiawah River here.

Hit the Links

Five state-of-the-art golf courses are open to the public. For avid fans of the sport, the Ocean Course alone makes Kiawah worth the trip. Host to two PGA Championships, the 18-hole course is not for the faint of heart. Raised above the dunes to capitalize on the expansive shore views, golfers are also subjected to ocean breezes (which don't exactly make for an easy or predictable trip around the green). Try Cougar Point for marsh views and a slightly less technical experience.

Go for a Cruise

One of the best ways to explore the island is to leave the car in park and take a beach cruiser for a spin (you can reserve them through the resort or bring your own). Between 30 miles of paved trails and 10 miles of hard-packed beach, there's no shortage of routes to explore. Ask for directions to the Marsh View Tower, an observation deck primed for birdwatching and soaking in the marsh and river scenery.

Visit Heron Park Nature Center

The naturalists here will school you in many of the species who call the island home, from bobcats and white-tailed deer to loggerhead sea turtles and American alligators. Sign up for a guided tour, like "Back Island Birding", "Marsh Kayaking," or "Ocean Seining and Beach Combing," or ask for their recommendations for the best nature-spotting places in the area.

Explore Freshfields Village

Built around a lush lawn, Freshfields Village has plenty of restaurants and shops to explore, plus a boutique stay, the Andell Inn. Pick up a beach read at Indigo Books; snag treats for your four-legged friends at Dolitte's; and gear up for island adventures SeaCoast Sports and Outfitters. Start the morning with coffee and a breakfast sandwich from Java Java; settle in for grilled cheese and a milkshake at retro Vincent's Drugstore & Soda Fountain; or cap off the day with house-made frosé from newly opened The Co-Op. Check their calendar for seasonal events, like summertime's "Music on the Green" concert series and farmer's market.

Venture to Bohicket Marina & Market

Make the short drive to neighboring Seabrook Island for a taste of the area's salty maritime culture. Snag a umbrella-shaded table on the upper deck at Salty Dog Café for fresh catch, a cold beer, and riverfront views of the boats coming and going from the marina.

Kiawah Island real estate investment firm to build golf course on 885-acre Johns Is. tract

A real estate investment firm that owns the developer of Kiawah Island plans to build a private golf course on Johns Island and invest in new and existing resort and residential projects locally and across the Southeast after raising $225 million in a new fund.South Street Partners plans to turn the nearly 900-acre Orange Hill tract into an 18-hole golf course community with homes. It will include a short course and a practice facility for members of Kiawah Island Club. The property between Bohicket and River roads is now used as an o...

A real estate investment firm that owns the developer of Kiawah Island plans to build a private golf course on Johns Island and invest in new and existing resort and residential projects locally and across the Southeast after raising $225 million in a new fund.

South Street Partners plans to turn the nearly 900-acre Orange Hill tract into an 18-hole golf course community with homes. It will include a short course and a practice facility for members of Kiawah Island Club. The property between Bohicket and River roads is now used as an outdoor sporting site by the private club.

The land use allows for a golf course and associated amenities as well as residential development, said Chris Randolph, a South Street partner. He said plans are still evolving for the site, and it hasn’t been determined how many homes will be part of the Orange Hill development.

The golf course will take up about 300 acres.

Part of the property is in a planned unit development through Charleston County that allows 181 home sites, a golf course, clubhouse, pro shop, amenity center and about 212 acres of preserved land.

“We are working with the county and other constituents on Johns Island for a plan that everyone is happy with,” said Randolph, whose firm is headquartered in Charleston and Charlotte.

A representative of the Johns Island Community Association did not immediately respond to a request for comment about the proposed plan.

Randolph hopes to start development of the as-yet unnamed layout next year, followed by 12 to 18 months of construction. He also said it was too early to provide a cost estimate for the course, which will be one of the few to be built in South Carolina in recent years.

Randolph said the course would provide members with an additional golfing option and take some of the pressure off of the club’s two existing layouts, Cassique and the River Course, where usage has increased sharply during the pandemic. The average member played 40 more rounds in 2021 than in 2019, according to South Street.

“We think there is a new market of people who have recently moved to Charleston who would have an interest in joining a golf club like this given its proximity to the city and especially since it offers members access to the rest of the Kiawah Island Club amenities,” Randolph said.

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The new course will be designed by Beau Welling of Greenville, who previously worked with River Course designer Tom Fazio. Welling also is a partner with Tiger Woods in the golfing great’s golf course design business.

The vision for the new course is to create a playing experience that looks like it could have been crafted more than 100 years ago, according to South Street. It will be built around grand live oaks and feature “undulating fairways ... and Old World slopes and contours.”

The company’s future plans for Kiawah include additional residential development as well as the opening of the oceanfront Cape Club adjacent to The Cape on Kiawah, a condominium development on the sea island’s western end. The Cape Club is expected to break ground in August.

South Street also recently acquired the 131-year-old Two Meeting Street Inn on the Charleston peninsula for nearly $7.7 million. It will be refurbished and become an overnight accommodation for Kiawah Island Club members when it reopens in 2023.

Randolph said raising the money for the golf course and other developments was challenging during the pandemic but the effort attracted “outsized investor demand” because of “compelling opportunities.”

South Street Partners’ other investments from the fund include the acquisition and development of the 20,000-acre Palmetto Bluff community in Bluffton near Hilton Head Island.

The company also has its sights set on other resort properties across the Southeast from south of Washington, D.C., to Florida and west to Texas.

“We are continuing to look for opportunities,” Randolph said.

Those could include existing properties or new developments.

South Street also owns The Cliffs communities across the mountains of South Carolina and North Carolina as well as The Residences at Salamander in Virginia.

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