Nick Kristoff is a Producing Branch Manager at Guaranteed Rate in Bluffton, South Carolina. He is licensed in Florida, Georgia, South Carolina, North Carolina, and Virginia. He has been named a Top 1% Mortgage Originator in America and a Top Originator by Scotsman Guide. He excels at helping lowcountry residents finance their dream homes. He has extensive knowledge of Jumbo, Construction, Fannie Mae, Freddie Mac, FHA, VA, USDA Rural Housing, and Reverse mortgages. His family philosophy is simply, “say what you mean, mean what you say, and do what you say you’re going to do.” This straight-forward approach combined with his extensive knowledge and experience has allowed him to succeed within any market condition.