Mortgage Broker in Ladson, 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 Ladson, 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 Ladson, SC
 Mortgage Company Ladson, 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 Ladson, SC
 Refinancing Ladson, 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 Ladson, 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 Ladson, 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 Ladson, SC

Latest News in Ladson, SC

Ladson Road Streetscape Project draws feedback, concerns from locals

Dorchester County citizens had an opportunity to offer feedback and voice concerns about streetscape improvements planned for Ladson Road at the Aug. 22 public meeting held at the Dorchester County Council Chambers.Dorchester County personnel and consultant representatives from SeamonWhiteside, a local engineering and design firm, were on hand to discuss the project with citizens as a group and individually, as requested.The well-attended meeting showcased a lively discussion during which citizens expressed their concerns, fear...

Dorchester County citizens had an opportunity to offer feedback and voice concerns about streetscape improvements planned for Ladson Road at the Aug. 22 public meeting held at the Dorchester County Council Chambers.

Dorchester County personnel and consultant representatives from SeamonWhiteside, a local engineering and design firm, were on hand to discuss the project with citizens as a group and individually, as requested.

The well-attended meeting showcased a lively discussion during which citizens expressed their concerns, fears and frustrations over the project plans to date, as well as what is seen by many present as current problems that could be made worse going forward.

Construction of dedicated turn lanes at key intersections and installation of raised, landscaped medians with plantings and street lights are the key elements of the project. Video displays and print handouts were provided at the meeting to illustrate the plans under consideration. The project will impact the section of Ladson Road from the termination of the South Carolina Department of Transportation (SCDOT) Dorchester Road Safety Improvement project to Coopers Ridge Boulevard.

“Last night’s meeting was the first step in soliciting public input, and we received many good comments that will be considered as we continue to move the design forward,” said Daniel Prentice, Deputy County Administrator. The meeting followed the DOT public comment requirements, according to Prentice.

The Ladson Road Streetscape Project is part of the Oakbrook Redevelopment Plan which was established in 2019. The plan outlines a comprehensive, multi-agency plan to revitalize the Oakbrook area. Funding comes from Tax Increment Financing (TIF), a method for financing redevelopment in blighted, conservation and sprawl areas of counties. TIF utilizes incremental increases in assessed value and property taxes to fund projects.

The price tag for the overall Oakbrook Redevelopment Plan now stands at $5 million, but county officials insist that it is not represented by a tax increase or impact fee.

“A TIF district is not a tax increase,” said Prentice. “The entities that levy millage (the rate at which property taxes are levied) partner to send tax dollars resulting from growth in assessments of new or improved buildings to the TIF fund which funds the public improvements. The public improvements, in turn, are used to continue to spur new private growth, increasing the overall vitality of the area.”

County personnel and officials projected their belief that by making the area more attractive for retail and restaurant activities, improving pedestrian and bike safety, improving infrastructure, reducing traffic and increasing safety and other upgrades, investment dollars will increase; new business and development will be established.

Presentation of the project leaned heavily on the aesthetic and beautification benefits to be realized, but county officials and staff also stressed improvement in safety as a major goal. “Data shows that safety will be improved by closing off the current open medians and guiding traffic through the use of dedicated turn lanes and restricting other turning movements due to the proposed medians,” said Prentice. “While one of the goals of the TIF district is beautification, the County believes that an additional positive outcome will be the function and safety of the corridor.”

Not everyone in attendance was convinced. Several citizens expressed frustration in their view that the county is giving priority to aesthetics over safety and functionality. Concerns voiced included existing poor access to certain businesses, which could increase under the plan; traffic load; difficulty of large and service vehicles to navigate turns; challenges of cyclists; maintenance costs associated with the use of plants versus other materials for division; and problems arising out of the overlap of traffic routes between counties.

One business owner, whose business requires drop-off traffic, complained that attracting new business and traffic, when existing businesses are negatively impacted by current road and traffic design, is not in the best interest of businesses along Ladson Road.

Proponents of the plan defended medians as a more modern design consideration for roadway construction and advocated for guiding traffic to dedicated turn lanes.

“Access management studies show that the true overall impact is not negative, although acclimation to the changes is required due to new traffic patterns,” said Prentice.

Construction on the Ladson Road Streetscape Project is slated to begin mid-2023, according to county personnel. Additional information on the Ladson Road project, Oakbrook Redevelopment Plan and TIF can be found on the Dorchester County website at https://www.dorchestercountysc.gov.

Public comments, written or oral, are invited.

Golf cart, EV manufacture expands with North Charleston plant

NORTH CHARLESTON, S.C. (WCSC) - Charleston-based manufacturing company Bintelli is expanding its operation with a new 174,000-square-foot facility in North Charleston.The facility, off Palmetto Commerce Parkway, opened last week and will focus on building golf carts and low-speed electric vehicles.This marks the third expansion for Bintelli in the last three years.“This new facility is a testament to the amazing work our dealer family has done over the last few years,” Bintelli Founder and President Justin Ja...

NORTH CHARLESTON, S.C. (WCSC) - Charleston-based manufacturing company Bintelli is expanding its operation with a new 174,000-square-foot facility in North Charleston.

The facility, off Palmetto Commerce Parkway, opened last week and will focus on building golf carts and low-speed electric vehicles.

This marks the third expansion for Bintelli in the last three years.

“This new facility is a testament to the amazing work our dealer family has done over the last few years,” Bintelli Founder and President Justin Jackrel says. “As we are now operational in what I believe is the largest LSV (low-speed vehicles) manufacturing facility in America, we’re going to be able to even better support our dealer family with the additional vehicles, parts and support they need to continue their rapid growth nationwide.”

Another focus for the move was to have more space for employees so the building is a more comfortable workspace without limiting tight boundaries, says Kevin Marques, Bintelli Production Facility Manager.

“It keeps growing and the biggest thing is keeping the culture the same; we pride our employees and making sure everyone is happy,” Marques says. “We actually know each employee by name and I want to keep that feel here because I think that’s very important for us; that’s the biggest thing, as we grow, I just want to maintain the culture within the company.”

Bintelli assembled 7,000 vehicles last year and is on track to produce 12,000 this year, making the move to a larger facility necessary.

Bintelli says with this new facility, they will be able to keep up with the demand for low-speed electric vehicles and golf carts.

“This expansion is another step in solidifying ourselves at the forefront of the industry,” Bintelli Vice President Jason Perske said. “While faster order fulfillment and greater inventory availability is going to be an incredible asset for our dealer family, I’m far more excited about what this means for the additional levels of support we can offer. I’m excited for all of our dealerships to share in this huge announcement and incredibly thankful for all the support they show us every day.”

In addition to the recent facility expansions, Bintelli says they are also focused on expanding its support and production staff.

Copyright 2023 WCSC. All rights reserved.

Coastal Carolina Fair opens in Ladson

LADSON, S.C. (WCBD)- The annual Coastal Carolina Fair is underway at Exchange Park in Ladson.Most fairgoers have their eyes and stomachs on fair food for the first day.“They always have good food and it’s just a good time to spend with family. They have a little arts and crafts center where you can see the students’ local talents,” said Jasmine Kelly.“Sausage dogs and French fries. Walk around and look and see what’s going on,” said Woody Barsha.One of the new food items o...

LADSON, S.C. (WCBD)- The annual Coastal Carolina Fair is underway at Exchange Park in Ladson.

Most fairgoers have their eyes and stomachs on fair food for the first day.

“They always have good food and it’s just a good time to spend with family. They have a little arts and crafts center where you can see the students’ local talents,” said Jasmine Kelly.

“Sausage dogs and French fries. Walk around and look and see what’s going on,” said Woody Barsha.

One of the new food items on the menu is an Oreo cookie crusted turkey leg.

“No I don’t think so I’ll stick to French fries,” said Barsha.

“I can’t eat that much, but I will have an elephant ear,” said Kelly.

There are 10 new rides this year as well. One of them is a Ferris Wheel that’s 12 stories tall and comes from The Netherlands.

Fair organizers say that those new attraction and food items are great additions, but having a full-scale fair is also something to celebrate.

“We’re really excited about opening up because this is the first really big open fair we’ve had since COVID-19 has happened. We say ‘New in 22,’ and that’s what we’re doing because we have brand new rides, we have many new food vendors so we’re really excited about starting the year off right,” said Gary Leonard from the office of Media and Publicity Relations at the Coastal Carolina Fair.

Most families make the fair a tradition, but it’s even more special for Dan Caskey.

“Today’s my birthday. Every year I have a party and bring this to town to share with everybody else. It’s a great tradition. We love coming out here and having a fun time with the family,” said Caskey.

The fair runs for 12 days and hours of operation can be found here. A calendar of events can be found here.

Fire destroys several units at Ladson storage facility

LADSON, S.C. (WCBD) – Several people are sifting through what is left of their belongings after a major fire broke out at a Ladson storage facility on Tuesday morning.The emergency call came in at 7:46 a.m. saying Ladson Self Storage was on fire. The fire destroyed a dozen units at the facility off Highway 78.Wesley Cliff, who owns Living Rock Landscapes, keeps tools, equipment, and some...

LADSON, S.C. (WCBD) – Several people are sifting through what is left of their belongings after a major fire broke out at a Ladson storage facility on Tuesday morning.

The emergency call came in at 7:46 a.m. saying Ladson Self Storage was on fire. The fire destroyed a dozen units at the facility off Highway 78.

Wesley Cliff, who owns Living Rock Landscapes, keeps tools, equipment, and some vehicles for his company at the storage facility.

“I was on my way to work this morning and I pull up to the front of the gate and there’s a guy out there – he’s bleeding from his head, and he just asked for help, and call 9-1-1,” said Cliff.

Cliff said he was just trying to figure out what was going on.

“I look in through the gate and I see up there, I mean there’s smoke everywhere. So, I drive to the back and there’s multiple units on fire,” he recalled.

The fire was ripping through the storage units.

“There was another guy running from the back- he’s coming up to the front saying call 911, and about that time these guys were already here, and they pulled in there and they started getting everything unloaded and started fighting the fire and cutting the doors open. It was a pretty big fire. Got pretty big for a minute,” said Cliff.

12 units were destroyed by fire or heavy smoke damage.

“Units went to work immediately pulling hand lines, starting to extinguish the fire,” explained Battalion Chief Charles Evans with C&B Fire Department.

Numerous fire departments responded. The cause of the fire is undetermined at this point.

And as for the man with blood on his head, officials told News 2 he had minor injuries that did not require EMS transportation.

“Sounds like he was in the unit, perhaps fell down a ladder or some stairs, and one of the units when he was trying to get away to report the fire,” said Batt. Chief Evans.

“Luckily for us, it wasn’t one of our units. But unfortunately, there were some other contractors back there. It was their units; it’s a total loss for those guys. It’s sad that that stuff happens, but they got here fast, they got it put out pretty quickly,” said Cliff.

Crews were on the scene for several hours as they worked to extinguish the flames.

Everything you need to know for this year's Coastal Carolina Fair

LADSON, S.C. (WCIV) — It's that time of year again! The annual Coastal Carolina Fair kicks off this week in Ladson with some brand new rides and foods.The fair opens this Thursday and Friday from 3 to 9 p.m.This year's fair will run from Thursday, Oct. 27 to Sunday, Nov. 6.RIDESThere will be around 65 rides in total this year, including some new ones.Thrill seekers will be excited to see the largest rol...

LADSON, S.C. (WCIV) — It's that time of year again! The annual Coastal Carolina Fair kicks off this week in Ladson with some brand new rides and foods.

The fair opens this Thursday and Friday from 3 to 9 p.m.

This year's fair will run from Thursday, Oct. 27 to Sunday, Nov. 6.

RIDES

There will be around 65 rides in total this year, including some new ones.

Thrill seekers will be excited to see the largest rollercoaster AND Ferris wheel they've had yet. The Ferris wheel is over 100-ft tall.

“We’ve got a brand-new carnival. It’s a big deal for us. We had a very long relationship with the last one, and this one had some opportunities to bring some new coasters, rollercoasters in. Some great rides, and we just couldn’t pass it up,” said Coastal Carolina Fair’s media relations spokesperson, Jay Wallace.

The Coastal Carolina Fair returns Thursday, Oct. 27, 2022. ABC News 4 reporter Sean Mahoney spoke to organizers about fair rides. (WCIV)

FOOD

A wide variety of tasty treats are on the menus: barbeque sandwiches, cinnamon rolls, bread pudding, funnel cakes, deep fried brownies- and the list goes on and gets more creative.

Some other options will include funnel cakes, elephant ears, and award-winning jalapeno corndogs.

Be sure to look out for the Oreo-encrusted turkey leg!

ENTERTAINMENT

In addition to rides and food, fairgoers will find lots of other entertainment.

The Coastal Carolina Fair returns Thursday, Oct. 27, 2022. ABC News 4 reporter Sean Mahoney spoke to organizers about the petting zoo. (WCIV)

TICKETS

Coastal Carolina Fair officials suspended online ticket sales until further notice after fraudulent activity was detected Wednesday.

Tickets can be purchased at Circle K stores or at the fair gates for the time being.

Credit and cash are accepted at the gate ticket booths, but only credit is accepted at the kiosks located at each entry gate.

Fair officials said do not buy tickets from people that approach you or posted online.

Check the fair's calendar for special discount days for seniors and more.

TICKET PRICES THROUGH OCTOBER 26TH:

TICKET PRICES BEGINNING OCTOBER 27TH:

The Coastal Carolina Fair returns Thursday, Oct. 27, 2022. ABC News 4 reporter Sean Mahoney spoke to organizers about fair safety, attendance expectations, and charities helped. (WCIV)

SAFETY

The use of metal detectors and a clear plastic bag policy will continue for this season, and that there will be plenty of security. Some of it will be around the clock during the fair’s two-week run.

“The No. 1 rule we have around here that tells us if we’ve had a good fair is if we’ve had a safe fair," said Coastal Carolina Fair’s media relations spokesperson Jay Wallace.

All rides are inspected by multiple agencies, Grimm said.

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