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 Knightsville, 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 Knightsville, 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 Knightsville, 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.
SUMMERVILLE — Tables begin to fill up just past noon at a restaurant 31 miles from downtown Charleston.Surrounded by chain eateries in a Publix-anchored strip mall, La Cuisine Du Chevalier — or La Chev, as most call it — has the buzz of an energetic lunch crowd ready for some midday human interaction.A trio of women attempt to corral four children while dunking grilled bread into large white bowls of bouillabaisse, brimming with mussels, shrimp and white fish, all steeping in saffron broth.Empty black s...
SUMMERVILLE — Tables begin to fill up just past noon at a restaurant 31 miles from downtown Charleston.
Surrounded by chain eateries in a Publix-anchored strip mall, La Cuisine Du Chevalier — or La Chev, as most call it — has the buzz of an energetic lunch crowd ready for some midday human interaction.
A trio of women attempt to corral four children while dunking grilled bread into large white bowls of bouillabaisse, brimming with mussels, shrimp and white fish, all steeping in saffron broth.
Empty black shells are pushed aside at another round mahogany table, where two friends catch up over mussels and glasses of iced tea.
A man sitting solo at a two-top finishes his meal and tells the server he will be back next week.
These are the sights and sounds of a restaurant that’s become a neighborhood lunchtime favorite less than a year after quietly opening in November 2022.
I would have never found La Chev without a tip from a colleague, but I’m glad I came. That satisfaction extends to residents of the Knightsville and Summerville area, who have thanked owner Jason Tucker for bringing his Southern take on French cuisine to them rather than downtown Charleston.
“A lot of people were confused about why I did it here,” said Tucker, a Summerville resident. “I saw the direction of where the homes are going.”
Tucker struck out on his own after cutting his professional teeth at restaurants in Charleston’s French Quarter. Inside the strip center space that previously housed a Ladles sandwich and soup shop, the Johnson & Wales University graduate is teaming up with La Chev’s chef de cuisine, Jonathan DuPriest, who grew up in Knightsville.
Whether it’s crab dip with grilled bread or seared scallops over French onion cheese risotto, DuPriest is consistently coming up with new daily specials that the restaurant posts on its Facebook page, which takes the place of an actual website.
La Chev boasts separate lunch and dinner menus, but there are several crossovers, including the shrimp and grits, crab croquettes and yellowfin tuna — a dish that stood out after two visits to the restaurant.
The lightly-seared tuna, served cold, rests on a steaming hot medley of chopped asparagus, corn, confit tomato and cubed bacon. A speckled cream sauce pulls the vegetables together, adding sweet smokiness to the fresh but mild fish.
“It doesn’t just play with your taste buds, it plays with the temperature sensitivities of your palate, as well,” Tucker said.
With a nice crust and firm pink center, the tuna hits all corners of my mouth, leaving soft, peppery spice behind. Though served as an appetizer, I enjoyed it as my full meal with an order of duck coq au vin dumplings — a fun riff on a French classic — on the side.
During dinner, the white tablecloths are brought out and topped with larger appetizers and mains that allow for some “Lowcountry liberties,” Tucker said.
For instance, crab croquettes are more petite crab cake than filled-and-fried roll, but the flawed descriptor doesn’t take away from each delicate bite. Paired with a light and bright diced cucumber salad, the patties’ crab-to-filler ratio favors the former.
A trio of cheese-adorned meatballs, floating in tomato ragù and served with small wedges of garlic bread, is another appetizer that satisfies without reinventing the wheel.
The same can often be said for the restaurant’s dinner entrees.
Roasted salmon, stuffed with crab and served atop crisp green beans, is one example of an expertly cooked daily special. On the side, Carolina Gold rice is bound with cheese to form a thick patty, bringing substance and salt to the Southern grains.
Steak, which appears to have been marinated and spent some time in the oven, makes up for a lack of crust with a juicy, tender texture — almost reminiscent of the roasted filet of beef my mother serves at Christmas.
Of the six dishes I sampled at La Chev, each one left me without complaints.
There isn’t much in the way of décor, more noticeable during a Monday night dinner service that saw just two occupied tables between 5:45 and 6:45 p.m. This was a far cry from the crowded lunch service I witnessed weeks before, making me ponder if ownership might consider closing their doors on Monday, typically the slowest dining day of the week.
It also made me wonder if this type of restaurant — a place that skirts the line between neighborhood establishment and one worthy of a special night out — can work in this location.
I remain optimistic.
While it’s just four miles from the town’s top restaurants — Laura, Bexley and La Rustica, among others — it’s less crowded and closer to home for many Summerville restaurants.
And as those who have dined at La Chev have likely realized, there isn’t anything like it in Knightsville.
Jason Tucker reports that business is booming at the boîte known as La Cuisine du Chevalier, or La Chev, by the locals. The 40-seat restaurant, which translates to “the knight’s kitchen,” garnered rave reviews by online contributors when it opened in November at the former soup restaurant called Ladles in the Shoppes of Summerville.It only recently held a grand opening celebration.Tucker, who has lived in Summerville for the past 16 years, is no stranger to the restaurant business.“My backgr...
Jason Tucker reports that business is booming at the boîte known as La Cuisine du Chevalier, or La Chev, by the locals. The 40-seat restaurant, which translates to “the knight’s kitchen,” garnered rave reviews by online contributors when it opened in November at the former soup restaurant called Ladles in the Shoppes of Summerville.
It only recently held a grand opening celebration.
Tucker, who has lived in Summerville for the past 16 years, is no stranger to the restaurant business.
“My background is extremely diverse and it started back when I was 15-years’ old scooping ice cream in Central Pennsylvania,” he said.
Related content: Charleston rooftop bar, restaurant to renovate, rebrand
Over the years, Tucker has worked in numerous restaurants, from chains like Buffalo Wild Wings, Cracker Barrel and the Hilton, to groups like Charleston Hospitality and more. After bartending his way through college in Virginia, the hard-working transplant accepted a management position from his employer, which took him to Summerville, where he has been ever since.
The father of two boys is also the operating partner at Wine & Tapas in Summerville and was buoyed by the popularity of the business. This inspired him to open a new restaurant, this time with a French flair.
“They call the area the French Quarter, but it lacked a French-themed restaurant, which never made sense to me, especially with the growth we are seeing in this area,” he said.
Tucker said that La Chev was designed to evoke the feeling of walking down the Champs-Élysées.
“It’s a cute café that’s quaint and all about the food and wine,” he said.
It doesn’t hurt that Tucker worked in the wine distribution business and is well-versed on what’s exceptional. He said that his goal is to bring people in by rivaling the quality that a customer would get in downtown Charleston.
“It’s all about the ingredients and there’s a lot of precision and thought that goes into each of our dishes,” he said, adding that chef de cuisine Jonathan DuPriest, who grew up in Knightsville, is Johnson and Wales-trained.
When it comes to dishes, Tucker said that the most popular lunch items that they serve are the French Dip and the shrimp and grits.
“A lot of people judge the quality of the restaurant by their shrimp and grits,” he said.
As for dinner, Tucker offers quite a few specials, ranging from steak dishes, to surf and turf, scallops, crabcakes, and salmon.
“Everyone says that it’s the best salmon served in the Atlantic Coastal area,” Tucker said.
For now, La Chev is taking reservations, except for the bar and outside area, so last-minute plans to dine can be accommodated if guests don’t mind sitting in either area.
Tucker also recently announced that they will be open on Sundays for brunch.
“We’re currently working on the menu which we will implement sometime around the end of July,” he said.
Kurry Seymour was a Ladles customer who was wowed by his first visit.
“This place brings a refreshing vibe to the Knightsville area and I am impressed by the décor, which was converted into a very fine, but very cozy dining experience,” he said.
Reviews like this are music to Tucker’s ears.
“I never thought I’d be in a situation where I’d be running two separate restaurants, but I love the feeling one gets when someone is happy with an experience. Making moments special is the best feeling in the world and having the opportunity to have someone really love what you’re doing, well, it doesn’t get any better than that,” he said, with a smile.
Stefanie Kalina-Metzger is a contributing writer for SC Biz News.
Dorchester County is continuing with its plans for a large-scale rezoning effort to stop the over-building of additional apartment complexes and townhomes.At a County Council meeting Monday, members voted and approved the rezoning of dozens of parcels of land from multi-family residential to mostly single-family. Under single-family zoning, property owners aren’t allowed to build apartments or townhomes.Knightsville LLC is a property owner with plans for building townhomes that was exempt from the rezoning ordinance after...
Dorchester County is continuing with its plans for a large-scale rezoning effort to stop the over-building of additional apartment complexes and townhomes.
At a County Council meeting Monday, members voted and approved the rezoning of dozens of parcels of land from multi-family residential to mostly single-family. Under single-family zoning, property owners aren’t allowed to build apartments or townhomes.
Knightsville LLC is a property owner with plans for building townhomes that was exempt from the rezoning ordinance after filing a complaint in county court. County officials say there have also been some additional complaints from residents about the rezoning.
“The complaint from Knightsville LLC held more significance because of the level of investment involved,” said Kiera Reinertsen, the county planning and zoning director.
In 2004, the county’s zoning ordinance was amended and led to an increase in approvals of multi-family zoning.
After hearing complaints about traffic, infrastructure and flooding during the organizing of its 2018 Comprehensive Plan, the county announced mass rezoning plans for multi-family spaces.
According to officials, most of the property owners under the rezoning project already live within single-family spaces. The project will help bring property owners who have spaces for commercial use into compliance. Using a property for commercial use is not permitted in a single-family residential district.
The project will also help balance population densities and available county infrastructure.
Some of the multi-family areas highlighted for rezoning include property southeast of Ladson Road toward North Charleston and between Ladson Road and Central Avenue in Knightsville.
In April, Knightsville LLC filed a complaint in the county court over proposed rezoning. The owner had purchased three parcels of land off of Central Avenue in Knightsville with the goal of building townhomes.
In the complaint, the owner alleged that the rezoning plans undermined and violated their investment-backed expectations and denied them the right to pursue a planned development project.
During the Monday meeting, attorney Ellis Lesemann spoke on behalf of Knightsville LLC. He said they paid just under $1.1 million for the land in 2019. He also argued that there is enough infrastructure in place to develop the project.
“They’ve been incurring permit fees, legal fees, engineering, doing a wetlands delineation and going through other types of carrying costs to bring that project forward,” he said.
Lesemann said his client learned about the rezoning plans for their property in February. After a Monday executive session, the council agreed to exclude property under Knightsville LLC from its rezoning ordinance.
“We were pleased to be able to resolve the matter with the county,” Lesemann said.
Future approval of multi-family zoning will be based on the county’s available infrastructure and future land use.
The area above Central Avenue in Knightsville is next on the county’s list of mass rezoning. The county’s planning commission is scheduled to meet on Oct. 8 to review proposed rezonings.
A County Council public hearing is expected to follow on a later date. Officials say property owners impacted by the rezoning should’ve already been notified.
Many owners have likely received a flier on their property notifying them about the rezoning.
The Knightsville area shopping center where the former Mr. K’s Piggly Wiggly used to be could be redeveloped in the near future.
Franklin Ridge of South Carolina presented plans for the Knightsville Crossing shopping center, on Central Ave. and Orangeburg Rd., to the Town of Summerville’s Commercial Design Review Board last Thursday.
The plan calls for filling the space and keeping the existing tenants that currently surround it. New additions would include a gas station, reconfigured parking spaces, a fast food restaurant and more.
The petitioner is currently in negotiations with a potential anchor tenant and has not disclosed what could be the potential store.
“Any time you have a large vacancy in a shopping center it tends to drag the other tenets who might remain down,” said Tim Macholl, Zoning Administrator for Summerville.
The land has not yet been purchased and the most recent review was only a conceptual review. The development would still have to get approved before construction or renovations can start.
SUMMERVILLE, S.C. (WCIV) A former Dorchester District 2 school administrator has filed a lawsuit against the school district.Three years ago, assistant principal Mary Rita Watson was charged, along with three other employees at Knightsville Elementary School, for failing to report child abuse.The case and all charges were dismissed over a year ago, but attorney Michael O'Connell calls his client, Mary Rita Watson, "radioactive.""She has applied for jobs at the school district, she didn't get them, and they...
SUMMERVILLE, S.C. (WCIV) A former Dorchester District 2 school administrator has filed a lawsuit against the school district.
Three years ago, assistant principal Mary Rita Watson was charged, along with three other employees at Knightsville Elementary School, for failing to report child abuse.
The case and all charges were dismissed over a year ago, but attorney Michael O'Connell calls his client, Mary Rita Watson, "radioactive."
"She has applied for jobs at the school district, she didn't get them, and they didn't tell her why and she was qualified for them," said Michael O'Connell. "I think she is radioactive as far as they are concerned. Everybody is afraid of hiring her."
Even though all charges were dismissed alleging that Watson and three other employees failed to report child abuse back in 2009, it's a case that still haunts her.
"First of all, what was reported to my client wasn't child abuse under the stature. Secondly, she reasonably concluded it didn't happen, and third, she told her supervisor which is what she should have done," O'Connell said. "She was not only not guilty, she was innocent."
Three years later, Watson is now suing Dorchester County School District 2 for reinstatement, back pay, and special damages. O'Connell said the bottom line is Watson just wants to get back to doing what she loves to do.
"No one is going to give her a job in administration which is what she was trained for," O'Connell said. "Right now it's not possible. She's been turned down at jobs in Dorchester 2 and other school districts, so she's stuck."
"I wouldn't call her bitter. I would be bitter, but she's not. She's one of the most even tempered people I've ever run into. She's sad, but not bitter."
A spokesperson for the Dorchester County School District said the district won't comment on pending litigation, and has no plans for a statement on the case in the near future.
"She didn't do anything wrong. Can you imagine anything more unjust in actually not doing anything wrong and suffering the same consequences as other people charged with crimes."
O'Connell said it could take years for a trial against the school district to take place.