(843) 603-5924

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  • Digital Mortgage Application

    Our Digital Mortgage provides an end-to-end loan origination process and an outstanding customer experience.

  • Get Pre-Qualified

    We will lead you through the home loan process to get you a pre-qualification to suit your needs.

  • Stay Updated

    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.

  • Closing

    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.

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.

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Reverse Mortgages

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.

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Contact Us

  • Our Mission:

    To make the mortgage finance process easy again!

  • Integrity

    We will say what we mean, mean what we say, and do what we say we are going to do.

  • Service

    We will set proper expectations, keep clients and referral partners informed, be solution-oriented, and always strive to close on time.

  • Expertise

    We will be stewards of our company’s and clients’ resources by providing guidance throughout the mortgage process.

  • Professionalism

    We provide five-star professional service to our clients, agents, and team members as we navigate the home loan journey together.

  • Positivity

    We will demonstrate a positive attitude in our interactions with our clients, agents and dedicated support staff.