Mortgage Loans for
Bluffton, South Carolina

Mortgage Loans for
Bluffton, South Carolina

(843) 603-5924

(843) 603-5924

30 Year Fixed

Low monthly payments that never change

30 Year FHA

Stable payment with less money down

15 Year Fixed

Pay off faster and save on interest

30 Year VA

Fewer credit restrictions with no money down

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Who We Are

Nick Kristoff is a Producing Branch Manager at Guaranteed Rate in Bluffton, South Carolina. 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, and USDA Rural Housing 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.

NMLS ID: 379253; NC - I-218756, SC - MLO - 379253, FL - LO122110, GA - 379253

What Our Clients Are Saying

Zach Y. - Bluffton, SC

"I’ve known Nick for nearly 15 years, and I believe he is one of the best minds in this business. What makes him different is that he cares about the details. He cares about finding solutions to your problems. You will not feel like just another number in a line for him to push through his system. He cares about educating you. And he cares 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."

Cheryl B. - Bloomfield Hills, MI

"Nick Kristoff was absolutely wonderful to work with on the mortgage for our new home on Hilton Head. He helped us navigate through the tons of paperwork required by the government. Since we currently live in Michigan, the document systems they set up were very helpful in transmitting forms easily and securely over the internet. It was a pleasure doing business with them and if we ever need another mortgage we would definitely go with the Kristoff Team. We highly recommend them to anyone looking to apply for a mortgage."

Stephen B. - Bluffton, SC

"Excellence from start to finish! We purchased a home in April of 2018 and The Kristoff Team was brilliant. I have several business so my tax returns are not the easiest, but Nick handled them like a champ…they even found an error in one of my documents and were helpful in getting everything corrected. We discussed several loan programs and reviewed the benefits of each. I was able to pick a program that let me do some minor renovation work on the home. They also sent me emails along with way with video and status updates. The program and rate are great and my wife and I are so thrilled to be the owners of our new home! Would definitely recommend The Kristoff Team to anyone looking for a mortgage."

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