Mortgage Broker in North Charleston, 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 North Charleston, 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 North Charleston, SC
Mortgage Broker North Charleston, 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 Broker North Charleston, SC
Mortgage Broker North Charleston, 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 North Charleston, 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 North Charleston, 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
Mortgage Broker North Charleston, SC

Latest News in North Charleston, SC

Charleston Southern vs. High Point prediction, odds: 2023 Big South Tournament picks, best bets from top model

Getty Images Teams looking to get hot at just the right time meet when the Charleston Southern Buccaneers face the High Point Panthers in the first round of the Big South Conference Tournament on Wednesday. The Buccaneers (9-20, 5-13 Big South), who last won the conference tour...

Getty Images

Teams looking to get hot at just the right time meet when the Charleston Southern Buccaneers face the High Point Panthers in the first round of the Big South Conference Tournament on Wednesday. The Buccaneers (9-20, 5-13 Big South), who last won the conference tournament in 1997, is just 2-11 in their last 13 games. The Panthers (14-16, 6-12), who have never won the Big South Conference Tournament, has finished second twice, the last coming in 2004. Charleston Southern is coming off an 85-59 win over Presbyterian on Saturday, while High Point dropped an 84-78 decision at Winthrop that same day.

Tip-off from Bojangles Coliseum in Charlotte, North Carolina, is set for 6 p.m. ET. The Panthers are 2.5-point favorites in the latest Charleston Southern vs. High Point odds from Caesars Sportsbook, while the over/under is set at 153.5. Before making any High Point vs. Charleston Southern picks, be sure to check out the college basketball predictions and betting advice from the SportsLine Projection Model.

The SportsLine Projection Model simulates every Division I college basketball game 10,000 times. The model enters Week 17 of the season 76-46 on all-top rated college basketball picks this season, returning more than $1,600 for $100 players. Anybody who has followed it has seen huge returns.

Now, the model has set its sights on Charleston Southern vs. High Point and just locked in its picks and CBB predictions. You can visit SportsLine now to see the model's picks. Here are the college basketball odds and betting lines for Charleston Southern vs. High Point:

Featured Game | High Point Panthers vs. Charleston Southern Buccaneers

Moneyline

Spread

Total

HIGHPT

-155 BET NOW -2.5 -110 BET NOW o153.5 -110 BET NOW

CHARSO

+135 BET NOW +2.5 -110 BET NOW u153.5 -110 BET NOW

Why High Point can cover

Sophomore Abdoulaye Thiam has been red hot of late. He is coming off a near double-double in Saturday's loss at Winthrop with 14 points and nine rebounds. He also scored 24 points in an 81-66 win over South Carolina Upstate on Feb. 18. In two games against Charleston Southern, Thiam is averaging 13 points and 5.5 rebounds. He is averaging 13.7 points, four rebounds and 1.5 assists per game on the year.

Senior Bryant Randleman is also on a bit of a roll, scoring in double figures in three of his last four games. He scored 10 points and dished off five assists against Winthrop. Prior to that, he scored 10 points and grabbed six rebounds in a 69-64 win over Radford on Feb. 22. For the season, Randleman is averaging 8.6 points, 3.2 assists, 3.1 rebounds and 1.2 steals.

Why Charleston Southern can cover

Sophomore guard Claudell Harris Jr. helps power the Buccaneers. He is averaging 17.5 points, 3.8 rebounds and 2.3 assists per game. He is connecting on 47.3% of his field goals and 79.6% of his free throws. Harris has been dominant in the two games against High Point, scoring 34 points and grabbing seven rebounds on Jan. 11, and scoring 18 points and dishing out five assists in the Feb. 4 meeting.

Junior guard Tahlik Chavez has also been dominant in the two games against High Point. After scoring 16 points in the 37-point win, he followed that up with 31 points before fouling out in the Feb. 4 matchup. He is coming off a 19-point and four-assist effort against Presbyterian on Saturday. For the season, Chavez is averaging 11.2 points, 2.5 rebounds and 1.4 assists, and he is connecting on 80.7% of his free throws.

How to make Charleston Southern vs. High Point picks

SportsLine's model is leaning under on the point total, projecting the teams to combine for 145 points. It also says one side of the spread hits in nearly 60% of simulations. You can only get the model's pick at SportsLine.

So who wins Charleston Southern vs. High Point? And which side of the spread hits nearly 60% of the time? Visit SportsLine now to see which side of the Charleston Southern vs. High Point spread to jump on, all from the advanced model that has returned more than $1,600 on its college basketball picks this season, and find out.

Watch Now:

The changes to the projected NCAA Tournament bracket today are all at the bottom. Rutgers, Wisconsin and Michigan lost on Thursday night, causing a shakeup around the cut-line.

Wisconsin's loss to Purdue at home -- the Badgers' sixth home loss of the season -- has knocked them off the bracket for now. Wisconsin is the first team out this morning, and as a result, have been replaced by Penn State, which also moved past Michigan after the Wolverines lost at Illinois in double overtime.

Rutgers dropped into the first four after a loss at last-place Minnesota, the Scarlet Knights' fourth Quad 3 loss of the season. In fact, the last three teams in are from the Big Ten.

After losing four of its last six, Purdue got its first win in a row Thursday night at Wisconsin. The Boilermakers also clinched the outright Big Ten championship, but that did not happen with the win -- the clinch came earlier in the evening when Michigan lost at Illinois.

Bracketology top seeds

SeedSouthMidwestEastWest
No. 1 Alabama Houston Kansas Purdue
No. 2 Kansas St. Texas Marquette UCLA

Check out Palm's latest bracket, full field of 68 and all the teams on the bubble on the Bracketology hub.

The Big Ten standings have looked like an 11-car pileup behind the Boilermakers for most of the season. As of this morning, teams 2-12 in the conference standings are between 11-8 and 8-11. Six of those are tied for second place. Whomever is in charge of figuring out tiebreakers for the Big Ten tournament is going to have their hands full.

All of the major conference titles are set now except the ACC. UCLA was the first to clinch when Arizona lost to Arizona State on Saturday. Marquette was not the choice of many to win the Big East, but win it the Golden Eagles did. Alabama locked up the SEC with its win over Auburn on Wednesday. Bill Self won his 17th Big 12 championship in 20 years this week, which is just a remarkable run.

The ACC champion will be decided this Saturday when Pitt plays at Miami. Virginia can also tie for the title but does not win a tiebreaker with either the Panthers or Hurricanes.

SC lawmaker files bill to establish North Charleston School District

A state lawmaker is proposing a bill that would remove North Charleston from the Charleston County School District and create a new district.NORTH CHARLESTON, S.C. (WCSC) - A state lawmaker is proposing a bill that would remove North Charleston from the Charleston County School District and create a new district.District 113 Rep. Marvin Pendarvis filed the bill Wednesday afternoon, saying that needs are not being met in the city of North Charleston.“We’re here because we care about the quality of education in...

A state lawmaker is proposing a bill that would remove North Charleston from the Charleston County School District and create a new district.

NORTH CHARLESTON, S.C. (WCSC) - A state lawmaker is proposing a bill that would remove North Charleston from the Charleston County School District and create a new district.

District 113 Rep. Marvin Pendarvis filed the bill Wednesday afternoon, saying that needs are not being met in the city of North Charleston.

“We’re here because we care about the quality of education in our schools,” Pendarvis said. “We’re here because the city of North Charleston, there’s a number of underperforming schools that lie within the City of North Charleston. We’re here for good reason, and I hope through collaboration and continuing the conversation we’ll be able to get something done.”

State law lays out how school districts can be formed and broken up.

According to 59-17-20, only an act from the state legislature or by authorization of the county boards of education can break up a district. Even then, the boards of education still need to meet certain conditions.

In a statement from the office of Attorney General Alan Wilson those conditions are as follows:

In (b), both districts involved would have to have a petition signed by at least four-fifths of the registered voters in the district. In (c), the districts would need only one-third of the voters to sign a petition but would then also have to have a vote on it called by the county board of education.

Earlier in the day, North Charleston’s mayor confirmed the city is exploring what would be required to withdraw schools in the city from the Charleston County School District.

Mayor Keith Summey said on Wednesday morning North Charleston City Council will explore breaking away from the school district to create their own.

“I think council is concerned about the number of failing schools that we have and what we can do generate more opportunity for the kids coming up in North Charleston,” he said. “It’s not anything that’s in concrete. It’s something that we’re looking at the possibility of.”

The effort, he says, is in a research phase to determine if the idea of pulling schools from the Charleston County School District is feasible, adding it would not be a “fast-paced” project.

Summey said he believes the city contributes more than what they are getting from the school district. He said the majority of failing schools in the district are in North Charleston.

“A community, at the end of the day, is only as strong as the education we can provide for our children, and we just want to make sure that our kids are getting the top chance that they can to get that education,” he said.

Summey said his vision would be for the schools to become a department within the city. He says he believes it would ultimately take a voter referendum, likely in 2024, for the change to happen.

North Charleston Mayor Pro Tem Jerome Heyward said he does not see one member on council not standing behind mayor in support of this.

“The city of North Charleston has been left out of the equation,” Heyward said. “Academic wise, we suffered over here because 30 of our schools are failing. It’s time for us to fix our schools.”

Summey said he has not yet heard from the school district, adding he would like to sit down with them.

“We’re just interested in making sure that children in North Charleston have the same opportunities as children in the entire county to get the best possible education that they can, and that’s not to say that the school district is not making effort,” Summey said. “It’s saying we don’t believe that effort to date has been successful.”

Charleston County School Board Chair Pam McKinney says she has not heard a single word from Summey or the city since she took office. She claims she learned of the mayor’s plan from news coverage.

“CCSD is proud to serve students from every corner of Charleston County,” McKinney said. “It is a priority for the board to ensure every child has access to a high-quality education. North Charleston students deserve a great education and that is exactly what we are working to deliver.”

The Charleston County School District provided a response to the city’s plans, saying the proposal to withdraw would duplicate administrative costs and result in less funding per pupil.

Mayor Keith Summey’s proposal to withdraw North Charleston schools from the Charleston County School District (CCSD) and instead house them in a department within the City of North Charleston would fail students. Such would duplicate administrative costs and result in less funding per pupil for both academic support and capital improvement.

Mayor Summey’s assertion that the City contributes more than what it receives from CCSD is untrue. In fact, North Charleston has historically received well above the CCSD average funding for construction and facilities maintenance.

North Charleston’s schools currently account for 30.32% of the District’s total student population yet receive approximately 35.6% of funds allocated for schools. In addition, the average budgeted per-pupil allocation in FY2023 for North Charleston schools was $16,645.18 compared to that for all other CCSD schools at $14,171.06; isolating North Charleston’s schools served through Acceleration Schools boasts a $19,532.61 per pupil allocation.

Claims that academic efforts in North Charleston schools have not been successful are also misleading. Most recently, for example, three North Charleston schools were removed from the state improvement designation list while others made significant gains.

Rather than benefiting students, withdrawing schools from CCSD would exacerbate educational disparities between geographic areas that CCSD has worked to address. Likewise, the assertion that creating a smaller district would ensure children in North Charleston have greater opportunities is simply misguided. Smaller schools and smaller districts have historically been less-able to offer such access and opportunity.

The District calls on Mayor Summey to address his concerns directly with CCSD leadership so that adults can avoid negative outcomes for students, parents, and educators. The Mayor has not reached out to the District directly since February 2022, after which he and Superintendent Kennedy met with other District and City officials.

The city refutes this, claiming the mayor reached out in May 2022 about an educational program.

Summey reaffirmed Wednesday morning he has not yet decided if he will seek re-election but expects to do so within the next 30 days.

This is a developing story. Check back for updates.

Copyright 2023 WCSC. All rights reserved.

N. Charleston neighborhood calls for sidewalks, bike lanes

Residents in a North Charleston neighborhood are being asked to sign a petition organizers say will make their community safer for pedestrians and cyclists.NORTH CHARLESTON, S.C. (WCSC) - Residents in a North Charleston neighborhood are being asked to sign a petition organizers say will make their community safer for pedestrians and cyclists.The Whipper Barony Neighborhood Association is urging their community to call for bike lanes and sidewalks to prevent any serious injuries.The Whipper Barony neighborhood is located ...

Residents in a North Charleston neighborhood are being asked to sign a petition organizers say will make their community safer for pedestrians and cyclists.

NORTH CHARLESTON, S.C. (WCSC) - Residents in a North Charleston neighborhood are being asked to sign a petition organizers say will make their community safer for pedestrians and cyclists.

The Whipper Barony Neighborhood Association is urging their community to call for bike lanes and sidewalks to prevent any serious injuries.

The Whipper Barony neighborhood is located between Meeting Street Road and Rivers Avenue near McMillan Avenue. Its neighborhood association said this two-mile stretch of Meeting Street Road sees a lot of foot traffic and biking, which requires drivers to be on high alert during nighttime hours when it may be difficult to see pedestrians.

They said they have seen “potentially tragic commuting” on this street and they would like to see changes and priorities made for improving this road.

Click here to read the full petition.

Whipper Barony Neighborhood Association President Kalin Morrison says the petition will be presented to North Charleston City Councilman Sam Hart. The idea has been previously presented at the association’s monthly meetings with the mayor and council members.

Morrison said she would ideally like to see sidewalks start where Meeting Street Road and Durant Avenue intersect with Rivers road all the way down to Dorchester Road.

She said seeing someone in a wheelchair riding in the middle of the road prompted her to voice her concerns for pedestrians.

“It started a couple of years ago I was driving on Meeting Street and saw a guy in a wheelchair there,” Morrison said. “On Meeting Street just in the middle of the road and that’s kind of what brought my attention to the problem in the first place. The fact that someone in a wheelchair didn’t have a place to ride on the side of the road safely.”

The Lowcountry Rapid Transit Project plans to place a bus stop on Durant Avenue, but Morrison said she feels pedestrians would still walk down Meeting Street Road based on the convenience to access public transportation.

Daniel Brock, who serves as regional strategist for the Berkeley-Charleston-Dorchester Council of Governments, said Lowcountry Rapid Transit is now in its engineering phase for the project which is set to be accessible in 2030. They’re working on making sure these areas near public transportation are walkable.

“Additionally, there’s going to be about 19 miles of sidewalk and mixed-use path that comes along with Lowcountry Rapid Transit,” Brock said.

Morrison said this petition will be presented to their councilman and they are currently at 57 signatures out of their goal of 100.

Copyright 2023 WCSC. All rights reserved.

City of North Charleston considering new district, re-zone at old Navy base

The City of North Charleston will consider an ordinance creating a new zoning district Thursday night at the site of a former Navy Base.NORTH CHARLESTON, S.C. (WCSC) - The City of North Charleston will consider an ordinance creating a new zoning district Thursday night at the site of a former Navy Base.The Navy Base Redevelopment District would establish a mixed-use urban area that will provide office, retail, entertainment, civic and public uses, as well as a variety of urban housing choices for the region.Then, the cou...

The City of North Charleston will consider an ordinance creating a new zoning district Thursday night at the site of a former Navy Base.

NORTH CHARLESTON, S.C. (WCSC) - The City of North Charleston will consider an ordinance creating a new zoning district Thursday night at the site of a former Navy Base.

The Navy Base Redevelopment District would establish a mixed-use urban area that will provide office, retail, entertainment, civic and public uses, as well as a variety of urban housing choices for the region.

Then, the council will consider rezoning 89 parcels of land to be a part of the NBRD. The city of Charleston, the South Carolina Ports Authority and the South Carolina Department of Commerce Division of Public Railways own most of the land.

One parcel included in the zone is the non-profit Water Mission. The team of engineers, marketers, implementers, fundraisers, volunteers and donors works to create clean water systems for those who need them.

They recently sent a relief team to Turkey following the earthquakes.

Related: Water Mission to deploy to Turkey, Syria to aid earthquake recovery efforts

Water Mission owns about 10 acres on the northernmost part of the former base. Founder and CEO George Greene says he enjoys the history of the area.

“Personally, growing up in Charleston; you know, I remember being out in the harbor and on boats and nuclear submarines coming and going and just kind of, you know, looking back on it, that was the middle of the Cold War,” Greene remembers.

He says he is excited about the potential for development along the old Navy Base since it will bring people to the neighborhood.

“As we look at more and more people coming into this area, whether it’s for a concert or whether it’s because it’s where they want to live or it’s where they want to go grab a meal,” Greene says. “There’s just some really neat things that are coming down the pipeline that are just going to make it an even more desirable place to be.”

The land is currently zoned with light or heavy industrial. The Planning Commission held a public hearing on Jan. 9, 2023, and voted unanimously to recommend approval.

“It’s just kind of crazy to think about how much growth we’ve had already been experienced and seen, and I think all that’s tied to everybody understands how valuable the location is,” Greene says.

The ordinance includes requirements for use, setbacks, street standard and streetscape use, all defined in its writing. You can read the details of the proposed NBRD here:

Copyright 2023 WCSC. All rights reserved.

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