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 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.
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 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 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 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.
One of South Carolina's favorite spots along the coast has been ranked among the top 10 beaches in the country.Kiawah Island's Beachwalker Park in Charleston County is listed as No. 8 on the 2023 list of best U.S. beaches released this week by “Dr. Beach,” aka coastal scientist Stephen Leatherman.(Above video is the Friday morning headlines.)The pristine beach is on the west end of Kiawah...
One of South Carolina's favorite spots along the coast has been ranked among the top 10 beaches in the country.
Kiawah Island's Beachwalker Park in Charleston County is listed as No. 8 on the 2023 list of best U.S. beaches released this week by “Dr. Beach,” aka coastal scientist Stephen Leatherman.
(Above video is the Friday morning headlines.)
The pristine beach is on the west end of Kiawah Island, and gives visitors ocean and river views, according to the Charleston County Parks website.
Charleston County Parks
Beachwalker is also the only public beach access on Kiawah Island, which is a 45-minute drive south of Charleston between Folly and Edisto beaches.
The park is operated through a cooperative agreement among Kiawah Development Partners, Charleston County Council, and the Charleston County Park & Recreation Commission.
North Carolina's Lighthouse Beach, in Buxton on the Outer Banks, came in at No. 5 on the list.
Located along Highway 12, Lighthouse Beach is about a six-hour drive from Myrtle Beach.
National Parks Service
Once the site of the Cape Hatteras Lighthouse, the beach is convenient and renowned for its good shelling and great waves, according to the National Parks Service.
Florida’s St. George Island State Park earned the top slot on the best beach list.
The barrier island park offers nine miles of pristine beaches along the Gulf Coast.
With nature trails for biking and hiking, plus birding, fishing, boating and camping, St. George offers excellent swimming and sunbathing and is also a prime spot for stargazing with limited light pollution, the list says.
Leatherman has been ranking America’s best beaches since 1991.
He uses 50 criteria to evaluate hundreds of public beaches in the United States. The criteria include beach width, sand softness, water temperature and color, wildlife and more.
Half of the top 10 beaches in the United States for 2023 are in Florida and Hawaii.
None of Florida’s Atlantic beaches appear in the 2023 top 10; Leatherman pointed out that the Atlantic coastline is being affected this year by sargassum seaweed.
Top 10 U.S. Beaches for 2023
Charleston, June 13, 2023 (GLOBE NEWSWIRE) -- Charleston, South Carolina -Selling Kiawah is a leading real estate agent for luxury properties set in the pristine natural beauty of South Carolina.Many dream of living an idyllic life on ocean fronts framed with spectacular landscape views in natural surroundings. Some of the best coastal towns and areas in the U.S. are located in South Carolina, offering a luxurious and sedate lifestyle with plenty of options for recreational activities. Surrounded by pristine natural la...
Charleston, June 13, 2023 (GLOBE NEWSWIRE) -- Charleston, South Carolina -
Selling Kiawah is a leading real estate agent for luxury properties set in the pristine natural beauty of South Carolina.
Many dream of living an idyllic life on ocean fronts framed with spectacular landscape views in natural surroundings. Some of the best coastal towns and areas in the U.S. are located in South Carolina, offering a luxurious and sedate lifestyle with plenty of options for recreational activities. Surrounded by pristine natural landscapes, luxurious island homes on Kiawah Island seem like paradise.
Selling Kiawah is the leading provider of luxury properties in these sought-after coastal destinations of South Carolina. The company has a stunning collection of exclusive Kiawah Island Real Estate offerings nestled along the picturesque shores of the coastline. Homes are available on Kiawah Island, Johns Island, Isle of Palms, Seabrook Island, and Sullivan’s Island—renowned for their unparalleled beauty, world-class facilities, and exceptional quality of life. An added attraction of Lowcountry life is its proximity to the enchanting historical Charleston city and five championship golf courses designed by leading architects.
The agency’s portfolio of extraordinary properties can meet the desires of any discerning buyer. Whether seeking a spacious oceanfront estate, a charming cottage surrounded by lush greenery, an appealing apartment, or a contemporary villa with sweeping views, there is an option to suit every budget, taste, and preference.
The available properties feature impeccable craftsmanship, timeless architectural designs, and the finest amenities to ensure a life of comfort and indulgence. From gourmet kitchens equipped with state-of-the-art appliances to elegant master suites with private balconies, every detail has been meticulously planned to provide the ultimate luxury living.
For more information, visit https://www.sellingkiawah.com/
is the premier provider of luxury properties on the islands of South Carolina’s shoreline, including Kiawah, Johns, Seabrook, Isle of Palms, and Sullivan’s Islands. With a commitment to exceptional quality and service, Selling Kiawah offers an unparalleled collection of oceanfront properties, charming cottages, lovely apartments, and contemporary villas designed to exceed the expectations of even the most discerning buyers. The properties are available for sale in various sizes and budgets to suit the needs and preferences of every client.
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.
South Carolina has 35 barrier islands (also called sea islands), more than any other state except Florida. Barrier islands run paralle...
South Carolina has 35 barrier islands (also called sea islands), more than any other state except Florida. Barrier islands run parallel to the Atlantic and Gulf Coasts and shield the mainland from the brunt of sea storms. The islands are home to wide sandy beaches, sea grass beds, vegetated uplands, and Lowcountry marshes.
At 84 square miles in area, Johns Island is the largest island in South Carolina. Located in Charleston County, it’s the fourth largest island on the East Coast. Situated between the city of Charleston and the barrier island beaches that border the Atlantic Coast, a portion of the island is located within the city limits of Charleston.
Technically an island, yet not bordered by the open sea, the Stono and Kiawah Rivers are what separates Johns Island from its border islands and the mainland.
Colonialists arrived on Johns Island from English settlements in the Caribbean and named it after Saint John Parish in Barbados. However, Native American tribes, including the Stono, Bohicket, and Kiawah Indians, were already living on the island.
The settlers brought the crop, indigo, from Barbados and cultivated it in the Lowcountry of Johns Island. By the mid-1700s, indigo became the main export for the island. A popular bright blue dye, indigo grown on Johns Island was commonly sold to England. During the height of indigo production, the Stono Rebellion occurred. The settlers relied on slaves to grow and produce their crops. In 1739, a group of slaves on Johns Island rebelled and attempted to escape to Florida, which was under the rule of the Spanish at the time.
However, the uprising was unsuccessful and plantation owners captured the slaves before they could reach freedom. During the Revolutionary War, the British market for indigo was disrupted, and England began to turn to India for its indigo supply. By the 1800s, indigo was no longer listed as a crop for Johns Island.
Johns Island has been the site of several important historical events. Occupied by British troops during the Revolutionary War, Johns Island also endured the Battle of Bloody Bridge during the Civil War. Today, visitors can view the historical site marking the Civil War battle at the Burdens Causeway.
Currently, Johns Island has a population of 21,500 and growing. The nearness of downtown Charleston, the beautiful scenery of the Lowcountry, and the nearby sandy beaches of the barrier islands make Johns Island a popular spot for new development.
Today, Johns Island is known for local farmers’ markets, historical parks, and towering oak trees dripping with Spanish moss. Although new developments are cropping up on the island, about 75% of the island remains rural with agricultural and horse farms, large acreage estates, and waterfront communities. Just a few miles south is the resort community of Kiawah Island.
One of the main attractions on Johns Island is the Angel Oak, a live oak tree that is thought to be the largest living oak tree east of the Mississippi River. Estimated to be around 400 years old, it’s the oldest tree in South Carolina. The massive tree is 65 feet tall and 25.5 feet around. Further, it provides shade to a staggering 17,000 square foot area. Surrounding the tree is a small park with a visitor’s center and a gift shop.
Another popular activity on the island is shopping at the Freshfields Village, an open-air shopping center with over 30 shops, numerous restaurants, and a boutique hotel.
The Goatery at Kiawah River is a small artisan goat dairy farm specializing in goat cheese and soaps. The farm offers private tours, classes for children, and goat yoga. The farm also doubles as a goat sanctuary, offering many goats a forever home.
Johns Island is in between Charleston and the barrier islands. It’s surrounded by Kiawah, Seabrook, Wadmalaw, Edisto, James, and Folly Islands. The Stono and Kiawah Rivers separate Johns Island from the mainland and the barrier islands.
Johns Island is teeming with wildlife. Although there are many homes, shops, and restaurants on the island, much of the land remains undeveloped, providing habitat for numerous species. On the island, it’s common to see deer, raccoons, coyotes, bobcats, otters, wild hogs, and even alligators.
The rivers and marshes on the island are abundant with oysters, trout, black sea bass, bluefish, and bottlenose dolphins. Birds found in the area include many species such as osprey, bald eagles, wild turkeys, and egrets.
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Jennifer is a professional writer living in the Chicago area. She owns two pugs. Or rather, they own her. Jennifer has discovered that her best writing happens against a backdrop of soft pug snores.
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As we wade through the peak of South Carolina’s beach season, we urge state lawmakers and the conservation community to find a way to protect one of the most beautiful and sensitive parts of our coast: Captain Sams Spit at the southern tip of Kiawah Island.This is one of our state’s few remaining pristine, publicly accessible sandy beaches (the others being Hunting Island and Huntington Beach state parks), but it won’t be spared from development forever unless it is placed in the public’s hands.During th...
As we wade through the peak of South Carolina’s beach season, we urge state lawmakers and the conservation community to find a way to protect one of the most beautiful and sensitive parts of our coast: Captain Sams Spit at the southern tip of Kiawah Island.
This is one of our state’s few remaining pristine, publicly accessible sandy beaches (the others being Hunting Island and Huntington Beach state parks), but it won’t be spared from development forever unless it is placed in the public’s hands.
During the past 15 years, we’ve lamented several attempts by Captain Sams’ private owners to obtain permits for the infrastructure work needed to build luxury homes on the beautiful but fragile spit of sand just south of Charleston County’s popular Kiawah Beachwalker Park.
We applaud the environmentalists and their lawyers who successfully challenged and beat back these attempts. A year after their most recent victory before the S.C. Supreme Court, the developer’s preliminary plat has expired, so the most recent appeal now seems moot and might be dismissed, forcing developers back to square one.
But even if that takes place, it’s naive to think the developers will give up and go away, so we urge the state to secure public ownership. As we’ve said before, South Carolina’s growth and prosperity should lead to more, not less, access to our pristine beaches: Allowing development on Captain Sams Spit would be the ultimate example of sacrificing a public resource to maximize private gain.
Striking a deal for the state to purchase Captain Sams Spit not only would ensure this land continues to be available for all of our enjoyment, but also would ward off a potentially disastrous outcome if it eventually were developed, which almost certainly would involve building a new road between the spit’s high ground and the rest of Kiawah. The new structural walls that would be needed to secure that road have been at the heart of much of the legal wrangling so far. The teardrop-shaped spit is only tentatively attached to the larger island, and storms have severed its link a few times.
We should be building less along our dynamic, fragile coast, not more, especially at a time when temperatures and the sea level are rising. The privately owned Captain Sams abuts — and for visitors, is virtually indistinguishable from — Beachwalker, one of our region’s most popular beach parks, where parking spots fill up quickly on summer weekend mornings. As Johns Island, Charleston County and our whole state continue to grow, we need to protect these special places for public enjoyment.
However, it’s important to recall a U.S. Supreme Court precedent that was set in a case involving a barrier island just a few islands north of Kiawah (Lucas v. South Carolina Coastal Council), which makes it clear that if government restricts all potential use of a piece of private property, that is considered a taking — and the property owner is owed compensation. So hoping to keep the island pristine forever by simply rejecting future development attempts, no matter how ill-considered or environmentally destructive they might be, is not a winning strategy.
It’s great that environmental groups and their able allies at the South Carolina Environmental Law Project have chalked up important wins for 15 years against such attempts, but we can’t place all our hopes in their continued success in court.
It will take political leadership and probably a not-insignificant amount of public money to secure the proper future for Captain Sams Spit, but South Carolina deserves nothing less.
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