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Digital Mortgage Application
Our Digital Mortgage provides an end-to-end loan origination process and an outstanding customer experience.
We will lead you through the home loan process to get you a pre-qualification to suit your needs.
We will send you personalized updates at each stage in the process, so you know where you stand and what’s needed to get to the finish line.
Be sure to read all the documents you receive and ask any questions you may have. After you’ve signed everything, unlock your door and celebrate your new home!
Experience Mortgage Excellence
Getting a loan isn’t rocket science. We’re making mortgage finance easy again.
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Who We Are
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.
Don't compromise your quality of life just because most your wealth is tied up in your house. If you're 62 or older, you can qualify for an FHA-insured Home Equity Conversion Mortgage, which taps into your own equity to help you stay in your home, increase cash flow and retire more comfortably.
To make the mortgage finance process easy again!
We will say what we mean, mean what we say, and do what we say we are going to do.
We will set proper expectations, keep clients and referral partners informed, be solution-oriented, and always strive to close on time.
We will be stewards of our company’s and clients’ resources by providing guidance throughout the mortgage process.
We provide five-star professional service to our clients, agents, and team members as we navigate the home loan journey together.
We will demonstrate a positive attitude in our interactions with our clients, agents and dedicated support staff.