Making Mortgage Finance Easy Again!

Home Loans for Buying, Building, and Refinancing

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What our clients are saying

"I’ve known Nick and Mike for nearly 10 years, and I believe they are they are two of the best minds in this business. What makes them different is that they care about the details. They care about finding solutions to your problems. You will not feel like just another number in a line for them to push through their system. They care about educating you. And they care about guiding you to make a wise and informed decision. When I need a mortgage or to make a decision to refinance, The Kristoff Team is a trusted source of advice for me and my family. Their demand for excellence will show up from start to finish in all that they do."

Zach Y., Bluffton, SC

(843) 603-5924

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Who We Are

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Our Mission and Core Values

Our Mission:

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 close on time.


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


We will treat our clients, referral partners, and team members with professionalism and we will expect the same in return.


We will demonstrate a positive attitude in our interactions with our clients, referral partners and team members.

Our Office

181 Bluffton Road, Suite F-102

Bluffton, SC 29910

Mon - Fri, 9am - 5pm

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