Required Documents for a Home Mortgage Loan in Hilton Head, SC

Finding a Low Country home you want to buy is easy! The mortgage paperwork is a different story! If you have a mortgage lender in mind, it is a good idea to start this process as soon as you know you want to buy a home on Hilton Head Island or Bluffton. If you don’t have a preferred lender, your Bluffton Realtor can recommend a local lender that they have worked with that they trust.

Your lender will check your credit report and determine an approximate loan approval amount for a basic pre-qualification letter within a day or so. A full loan approval, however, will require paperwork and documentation. Your home loan, as well as the amount of money you can borrow, are contingent on this important documentation, so it’s a good idea to start gathering this info now so you aren’t overwhelmed when your lender needs it.

These are some of the documents you will likely need for your home loan in SC:

Documents Needed to Verify Income

  • Pay stubs for the last 30 to 60 days
  • Tax Returns for the past 2 years

Documents Needed to Verify Assets

  • Most recent 2 months bank statements including all pages – even blank ones
  • Most recent retirement and investment statements

Credit Report

  • Your lender will run your credit report to determine your credit score for your mortgage approval

Home Sale Contingencies

  • A copy of your executed purchase contract

There may be additional forms and documentation required for your home loan approval in SC, which the Dufrene Group, your Realtor in Bluffton, can help you with.  Contact us today to get your Bluffton or Hilton Head Island home buying process started. We can connect you with a lender and email you a list of homes with your criteria so you can find your dream home on Hilton Head Island.

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Go Local for Holiday Shopping in Bluffton

The holiday season is almost here and if you haven’t already, it is time to start thinking about holiday gifts for those on your list. One of the (many) perks of living in a small community like Bluffton, SC is the abundance of local stores and merchants who offer unique charm, character and…. gifts during the holiday season. Shopping at locally owned shops and restaurants is a great way to help our community thrive and get the special people in your life some wonderful Low Country gifts. As a Realtor in Bluffton, we are always looking for unique gifts for our clients, and we love supporting our local businesses!

Check out these fun stores in the Bluffton community and keep them in mind for Thanksgiving hostess gifts and Christmas gift giving!

  • Bluffton General Store Fresh cut bouquets, home accessories, decor, jewelry, gifts, candles, and local art are just a few of the many things you will find at this Bluffton store in Old Town. Everything you need for your Low Country home or office…and amazing gifts for everyone on your list!
  • The Scottish Mill Shop –  This fun shop offers a wide selection British food and products, jewelry, cashmere and wool Scottish knit sweaters, blankets and capes from Ireland and the U.K. as well as many Scottish, Tartan and Clan related items. The perfect place for a great gift or something to remind a European friend of home.
  • Markel’s –  Started in 1997 as a shop for cards, candies, and home accessories, Markel’s specializes in providing Bluffton with the best selection of holiday and seasonal gifts, as well as unique, handcrafted decorations to help celebrate any occasion. And of course, no visit to Markel’s is complete without their gorgeous handmade bows! Shopping tip – Markel’s offers free custom gift wrapping with every purchase, complete with one of their signature bows!
  • Eggs ‘N’ Tricities – A staple of Old Town Bluffton for over 25 years,  there’s a little something for everyone at this fun shop. They sell clothing for everyone from the hip, young chicks to mature hens, offer sought after jewelry everyone in Bluffton MUST have, and everything from inexpensive and fun to one-of-a-kind, statement pieces. There are some fabulous gifts at Eggs ‘N’ Tricities including art work by local artist, Margaret Golson Pearman that feature oysters, crabs and other Lowcountry-inspired subjects that are quite simply divine!

The Dufrene Group Real Estate Team in Bluffton, SC – For Home Buyers and Home Sellers

If you’d like to be a part of our wonderful community in Bluffton, SC, we’d love to have you! Contact the Dufrene Group today to see the available homes for sale in Bluffton, homes for sale on Hilton Head Island, or homes for sale in Beaufort, to find a new home in the beautiful SC Low Country.

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It’s Time for Some Summer Time Fun on Hilton Head Island

It’s no secret that the Hilton Head and Bluffton area are a top destination for those looking for a great
summer getaway. In fact, many visitors decide that a few weeks each summer is simply not enough time
in the amazing Low Country of SC and decide to look at the homes for sale in Bluffton, Hilton Head
Island, and Beaufort during their summer vacation. We understand, and we certainly can’t blame you,
after all, check out all of these amazing activities we have going on to help celebrate summer!

Summer Jams and Fireworks at Dusk – The Island Recreation Association is proud to bring you a fun-
filled, festive atmosphere with the highlight of the night fireworks which start around 9 pm every
Tuesday during the summer. Kids of all ages can enjoy inflatable bounce houses and face painting for a
minimal fee. Bring your lawn chairs and enjoy the fireworks!

Movie Nights in the Park – After the sun sets over Broad Creek join us waterside at Shelter Cove
Community Park for a summer full of blockbuster hits! Watch all your favorites under the stars on a 20′
movie screen. No admission fee! Beach chairs, blankets and take-out food from Shelter Cove Towne
Centre merchants recommended! Every Thursday night at 9 pm throughout the summer!

HarbourFest at Shelter Cove Harbour & Marina – Enjoy this weekly celebration during the summer
(every Monday – Friday) with live music featuring Shannon Tanner, entertainment from Cappy the
Clown, art & crafts and activities for kids. Tuesday nights during HarbourFest are the traditional
fireworks nights featuring a spectacular show that lights up the summer nighttime sky. HarbourFest,
Shelter Cove Harbour’s signature summer event, occurs mid-June through mid-August.

Sunset Celebration – Join us on the banks of Broad Creek for a picnic and a sunset serenade at the
pavilion in Shelter Cove Community Park. Bring a beach chair, blanket, and pick up a picnic from one of
our local merchants. Sunset Celebration, featuring live local music and laid-back family entertainment, is
brought to you every Friday each summer by the merchants of Shelter Cove Towne Centre. FREE!
Not to mention relaxing days on our pristine beaches, fun with your friends on our world-class golf
courses, exploring Sea Pines with the kids, a trail ride with the friendly folks at Lawton Stables, or a cool
dip in one of our gorgeous resort pools. The summer fun simply does not end on beautiful Hilton Head
Island!

And…. the fun never ends if you live here! If you are vacationing in Hilton Head now and want to take a
look at the amazing properties available for sale, we’d love to show you around. Give The Dufrene Group
a call at 843/707-6627 or send us a message here. We’d love to help you find the home of your dreams.
One of our experienced Realtors in Bluffton can show you the available homes for sale in Bluffton or
Hilton Head and help you find a place to call your own so you can enjoy the amazing coastal life in the
Hilton Head and Bluffton area!

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The Best Time to List Your Home for Sale

If you’re wondering if there is a better time of the year to sell your home, the answer is yes! As an
experienced Bluffton Realtor, I can tell you that the time of year you decide to sell your home definitely
matters and plays an important role in the Hilton Head and Bluffton housing market.
Best Season to Buy or Sell Your Bluffton Home.

There is definitely more home buying/selling activity in the spring and summer months than there is
during the fall and winter seasons. There are several factors that come into play that make the spring
and summer a better market for homes for sale in Bluffton. Circumstances like school being out gives
families a much more open schedule and a chance to relocate without affecting their child’s school year.
In the fall, school resumes, then we have the holidays, which both make families want to be settled in
their homes instead of buying or selling them.

Typically, a Realtor in Bluffton will see an increase in the number of home sales as the Low Country
housing market approaches the spring “home-selling” season. In fact, home sales begin to increase in
February and March, after the holidays, and continues to increase through August. Sales start to see a
decrease in the new school year approaches, making the best market for homes for sale in Bluffton in
May, June, July, and August.

These peak selling months are important for both buyers and sellers. For home buyers, there is a
greater inventory of homes for sale in Bluffton to choose from, so they will have a better chance of
finding the right property. For sellers, it means the home will sell faster and with less marketing efforts.
Now is the Time! Your Bluffton Realtor is Ready to Help

If you are thinking of selling your Hilton Head, Bluffton, or Beaufort home, now is the perfect time to do
so. Our experienced Realtors in Bluffton can help determine the best price for your home and have a
plethora of marketing strategies to ensure your home gets sold quickly – and for the most money
possible.

If you are in the market for a new home, it is also the perfect time! The homes for sale in Bluffton and
Hilton Head is plentiful, which gives you a variety of home choices and communities to fit any budget.
The team at the Dufrene Group is here to help. Give us a call at (843) 707-2267 or drop us a line here.

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Enjoy Some Fun in the Sun Memorial Day Weekend on Hilton Head Island and Bluffton, SC

May is a great time to visit the Bluffton and Hilton Head Island area. The weather is nearly perfect and there are so many planned events and festivities for the extended Memorial Day holiday weekend! Each May we welcome many visitors who come to the beautiful SC Low Country to enjoy our warm spring days that are perfect for lounging on the beach, lingering picnics in the park and rounds of golf on manicured courses. Some folks even take advantage of their vacation time here with a Bluffton Realtor to look for homes for sale in Bluffton and Hilton Head Island.

Whether you are a visitor or a local to our area, here are some tips from your Bluffton Realtor at the Dufrene Group for some fun-filled events to check out during Memorial Day weekend in Hilton Head and Bluffton.

Memorial Day Weekend Events in Hilton Head Island and Bluffton 

Gregg Russell Concert in Sea Pines – A Sea Pines summertime classic for over 30 years, adults and kids of all ages will enjoy local crooner Gregg Russell, who performs fun and family-friendly songs every weeknight under the famous Liberty Oak from 8:00 – 9:30 p.m. The concerts are a popular Island event and are free of charge.

Hilton Head Art Festival – This year’s Hilton Head Island Art Festival, presented by Nash Gallery, features the handcrafted works of the North American craftsman. Experience fine art, food, great music and shopping at Shelter Cove Harbour & Marina this Memorial Day Weekend Saturday and Sunday, May 26 – 27 from 10 a.m. – 5 p.m.

Heyward House Public Day – The Historic Heyward House in Bluffton invites you to join them for Public Day, to take a step back in time and learn how to play 19th-century games like rolling hoop, marbles, cup and ball, and buzz-saw to see how they compare to the games we play today! May 26th from 11:00-12:00 p.m. Cost is $5 for children and $10 for adults.

America Sings Concert – AMERICA SINGS! is one of Hilton Head’s most anticipated Memorial Day weekend events with an All-American tribute that includes a special salute to members of the United States Armed Forces and Veterans and pays respect to those who have made the ultimate sacrifice. Performed by the Hilton Head Choral Society, this special concert is scheduled for Sunday, May 27, at 7 p.m. at First Presbyterian Church, 540 William Hilton Parkway.

Daufuskie Day – If you haven’t taken the ferry over to Daufuskie Island, you are missing out! Here’s your chance to explore this tiny barrier island during their Daufuskie Day celebration. Join them Sunday, May 27th from 2 – 6:00 p.m. for fun in the Carolina sunshine, live music from Groove Town Assault, Scrap Iron Beers, boat rides and an afternoon of Daufuskie Island shenanigans.

HarbourFest at Shelter Cove Harbour & Marina – In its 30th season, this popular annual event kicks off Memorial Day Weekend at Shelter Cove Marina with a concert from Island favorite Shannon Tanner and arts, crafts, and entertainment from Cappy the Clown. A must-see while visiting Hilton Head Island!

 

Your Bluffton Realtor is Here to Help!

The Dufrene Group, your Bluffton Realtor, is excited to help you find the home you’ve been dreaming of in Bluffton or Hilton Head Island or sell your Low Country home now while the market is hot! We are experts in the local real estate market and are here to help guide you every step of the way! If you’re looking for a Realtor in Bluffton, the Dufrene Group’s experience and local market knowledge make’s us a great choice! Give us a call at 843/707-2267 or contact us here for more info!

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First Time Homebuyer in Bluffton, SC? The Dufrene Group Can Help

Buying your first home is an exciting milestone. It can also be overwhelming since you have never been
through the process before. The key to a stress-free home buying experience for first-time homebuyers
is to choose an experienced Realtor in Bluffton who can guide you through the process and offer you
the information and tools needed to find the home of your dreams… and have fun doing it!
The team at The Dufrene Group has these tips to offer the first-time homebuyer and would love the
opportunity to be your Bluffton Realtor! We can show you the homes for sale in Bluffton and help you
be successful and fulfill your dreams of being a homeowner! Here’s what to expect during the
home buying process:

Step by Step Guide to the Homebuying Process
Step 1 – Get pre-approval for your mortgage
Step 2 – Talk to a Bluffton Realtor who will assist you in the process
Step 3 – Search for homes for sale in Bluffton
Step 4 – Make an offer on a home
Step 5 – Offer accepted by the seller
Step 6 – Home is under contract – Inspection is complete, and repairs are negotiated
Step 7 – Closing – Congrats! The home is YOURS!

It is crucial to choose a Realtor in Bluffton who can help you through these homebuying steps to assist
you in finding a home, ensure you get the best deal and walk you through each part of the process.
That’s what the Dufrene Group does best, and we would be honored to assist you in becoming a
homeowner!

The Dufrene Group is YOUR Bluffton Realtor

Anthony Dufrene and the team at The Dufrene Group are excited to help first-time homebuyers find the
home of their dreams in the beautiful SC Low Country. We will skillfully help you navigate the
Bluffton/Hilton Head real estate market and guide you through the home buying process. If you’re
looking for a Realtor in Bluffton, The Dufrene Group is waiting to help. Give us a call at 843-707-2267 or
contact us here for more info!

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Bluffton Realtor

These Beautiful Bluffton Homes for Sale Can Be Yours – Tips for Homebuyers in Bluffton, SC

House hunting in the beautiful SC Low Country is a nature and beach lover’s dream come true! When you are ready to look at the homes for sale in Bluffton, the team at the Dufrene Group can share their expertise in the Bluffton real estate housing market and help you find exactly what you’re looking for. Whether you are a first-time homebuyer or a current homeowner, our Bluffton Realtor can help you prepare for buying your home and offers these tips for homebuyers in Bluffton for a successful and fun homebuying experience.

Tips for Bluffton Homebuyers

Know Exactly How Much You Can Afford – What you want to spend and what you can actually afford
may be two different things. Your top priority in the homebuying process should be to get pre-qualified
for your mortgage. You will save so much time and effort if you know your mortgage budget, which
allows you to make a confident offer on the perfect home for you.

Make a Home Search Plan – The first step in finding the perfect home is to connect with a reputable
Realtor in Bluffton who will make the whole process a breeze. You will save money, time, and the
frustration of house hunting. An experienced Realtor can help you narrow down your search and keep
you informed of all the homes for sale in Bluffton and even take you on a tour of your favorites!

Be A Little Flexible – The fact is that most first time homebuyers do not typically end up purchasing their
home in the neighborhood or area of their original choice. Being a little bit flexible and expanding your
home search to include additional neighborhoods suggested by your Bluffton Realtor open a whole new
set of opportunities. Staying true to your requirements but being a little bit flexible can work wonders in
your Bluffton homes search.

Be Aware of the Community Costs for Homeowners – The Bluffton and Hilton Head Island, SC area is
home to many communities with a Homeowner’s Association (HOA). In addition to your mortgage
payment, many homes for sale in Bluffton incur other costs and fees associated with your Bluffton
home. Your Realtor in Bluffton can explain the HOA fees for each community which include any special
assessments, membership fees, etc.

Count on the Dufrene Group – Your Full-Service Real Estate Agency!!!!!!!
Working with an experienced and professional Bluffton Realtor is the best way to have a stress free
homebuying experience. We are here to take care of everything, so you don’t have to. We’d love to help you get pre-approved for your house purchase and show you the homes for sale in Bluffton.

Contact us today for no cost, no obligation information!

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