45 Years of Lending Success

Mike Kristoff

(843) 474-3064

Construction Loans

One-time close with free rate float down feature upon completion

Lot Loans

Lot and land financing for the homesite of your future residence

Purchase Loans

Conforming, FHA, and VA Loans

Portfolio Loans

Loans for buying a new home or refinancing your existing mortgage

Who We Are

Mike Kristoff is a Senior Loan Consultant at Capital City Home Loans in Hilton Head Island/Bluffton, South Carolina. He lends in Florida, Georgia, South Carolina, North Carolina, Tennessee, Alabama, Mississippi, and Virginia. He has been a $100+ million producer specializing in custom home construction financing. He has extensive knowledge of Jumbo, Construction, Fannie Mae, Freddie Mac, FHA, VA, 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 exceed expectations for over 45 years.

Mike and his wife Patty have lived on Hilton Head Island since 1989. They have 3 grown children and 8 grandchildren.

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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 always strive to close on time.


We will be stewards of our company’s and clients’ resources by providing expert 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.

SC Tax Overview

An overview of property taxes, sales taxes, and income taxes for South Carolina.

Moving to South Carolina - A Tax Guide for New Residents

Customer Reviews

R. Beavers

"We recently worked with Mike Kristoff on a construction loan for our home in Hilton Head Island. The Kristoff team was a recommendation from our bulder H2. Obtaining a construction loan was a new process for us. Mike was extremely responsive (worth repeating), extremely responsive to questions and providing guidance on the paperwork needed to approve our loan. I had to call Mike a couple of times during the process and he always got back to me quickly, even after 5:00pm. Our experience with the Kristoff team was very professional and helpful to successfully complete our construction loan.   I would recommend using the Kristoff Team to help you with your loan needs."

A. Macaluso

"Within minutes of calling Mike, and explaining to him my situation, he responded with advice as to how to access mortgage funding. Everything fell into place, and I was able to purchase my retirement home. I wholeheartedly recommend The Kristoff Team."

E. DeJoliet

"The Kristoff Team stuck with us through all the twists and turns of our home purchase. I wish there were more stars to give them. To say that my wife and I recommend them for mortgage services is a gross understatement. We recommend them to the highest degree.

Thank You Kristoff Team for all your help."

© 2024 The Kristoff Team    Privacy Policy | Licensing | Mike's Capital City Home Loans Corporate Website
Mike Kristoff (NMLS #377707) is a licensed mortgage loan originator with Capital City Home Loans (NMLS ID #75615). (www.nmlsconsumeraccess.org) Mortgages are offered and originated by Capital City Home Loans. This is not a commitment to lend. All loan applications are subject to credit and property approval. Annual Percentage Rate (APR), and program, rates, fees, closing costs, terms and conditions are subject to change without notice and may vary depending upon credit history and transaction specifics. Other closing costs may be necessary. Flood and/or property hazard insurance may be required. To be eligible, borrower must meet minimum down payment, underwriting and program guidelines. Equal Housing Lender. 1 Corpus Christi Place, Unit 116, Hilton Head Island, SC 29928

Mike Kristoff NMLS ID: 377707; SC - MLO - 377707, GA - 377707