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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Thanksgiving on Hilton Head Island and Bluffton, SC

Just because we are a beach town doesn’t mean we don’t know how to celebrate the winter holidays! If you are lucky enough to be spending Thanksgiving on Hilton Head Island or across the bridge in beautiful Bluffton, you are in for a magical holiday in the SC Low Country. In fact, you might enjoy yourself so much that you decide you just must look at Bluffton homes for sale and Hilton Head Island homes for sale, so you can call beautiful area home.

Here are some of the festivities planned for Thanksgiving on Hilton Head Island and Bluffton, SC!

Turkey Trot – November 22 – Start Thanksgiving off right with your family at the 30th annual Turkey Trot. This family-oriented event invites people of all ages to participate in their “Fun Walk,” 5K and 10K races.  The fun kicks off early and ends with a parking lot party, all of which is hosted by Island Recreation Association with help from Palmetto Running Company benefits the Island Recreation Association’s scholarship fund.

Community Thanksgiving Dinner – Thanksgiving Day on Hilton Head Island need not be a lonely day for anyone! All are welcome to share turkey, dressing and all the trimmings at a free dinner held at Hudson’s Seafood House on the Docks. This event is organized by St. Andrew By-The-Sea United Methodist Church and Hudson’s Seafood House on the Docks. Donations in the true spirit of Thanksgiving are greatly appreciated and will benefit The Deep Well Project and Bluffton Self Help.

Community Christmas Tree Lighting – November 24 – Santa, Mrs. Claus and their trusty reindeer Rudolph will help kick off the holiday season at the Town’s official Christmas Tree Lighting on the Arts Center festival grounds. Enjoy Christmas carols, holiday crafts, yummy treats and musical performances. This family friendly community festival is an Island tradition! Free and open to the public – on the Arts Center festival grounds!

The Dufrene Group Can Help You Call the SC Low Country Home

If you are ready to own a home in our little piece of paradise, the Dufrene Group can help. We are ready to show you homes for sale in Bluffton and homes for sale on Hilton Head Island today! Check out the available homes for sale here then contact us to set a time to see your favorite homes.

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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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Common Mistakes First Time Homebuyers Make When Buying Homes for Sale in Bluffton

The home buying process is not necessarily a simple one. A lot of things are dependent on each other for everything to go well. Stress levels are high and first time homebuyers are anxious.  It really can be an enjoyable experience though, if you work with the right Realtor in Bluffton. An experienced Bluffton Realtor can negotiate a great deal on your dream home and help you along the way with any tips, advice, and knowledge to make your Bluffton home purchase as smooth as possible.

Here are some of the common mistakes first time homebuyers make and advice on how to avoid them from Bluffton Realtor Anthony Dufrene of the Dufrene Group in Bluffton, SC.

Common Mistakes that First-time Homebuyers Make

  • Failing to Get the Home Inspected – Having a home inspection for a property you are considering can potentially save you thousands of dollars in the future. Paying the cost of a home inspection now, which is around $350-$500, is pennies compared to potential issues the home may have such as problems with the foundation, plumbing, HVAC or electrical system.
  • Untimely Correspondence with Lender – A common mistake by first time homebuyers in Bluffton, SC is that they fail to check their e-mail or messages regularly. Since the mortgage process is very time sensitive, it is crucial to approach the approval process with urgency and promptly respond to critical loan documentation that your mortgage company has requested. Also, be on the lookout for correspondence from your real estate agent, appraiser, and inspector.
  • Choosing Not to Work with a Buyer’s Agent – Some first time homebuyers think that they either don’t need or can’t afford a buyer’s agent when looking at homes for sale in Bluffton and homes for sale on Hilton Head Island. This is not true at all! There is no charge to work with a buyer’s agent, as the seller pays the commission on the sale of the home. In addition, purchasing contracts can be filled with legal jargon that is confusing. Choose a buyer’s agent that will work hard to show you the properties in your budget and desired areas to find your favorite homes for sale in Bluffton.
  • Ignoring Loan Assistance Programs – Be sure to take advantage of the various loan programs for first-time buyers from federal, state and local resources, as there are some programs designed to develop certain rural areas. The HUD website can give you information on loan and grants offered, and veterans should also be aware of the VA program. Assistance ranges from down payment help to closing costs, if you qualify. Be sure to ask Your Bluffton Realtor for program information.

The Dufrene Group Can Help First time Homebuyers with Homes for Sale in Bluffton and Hilton Head Island

The Dufrene Group is here to help with any questions 1st time homebuyers may have about the Bluffton area, loan process, local housing market, or home loan programs that you may have. Feel free to contact the team here via email or at (843) 707-2267 today to get pre-approved for a home mortgage and start your search of Bluffton homes for sale.

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Fall Festivals on Hilton Head Island and Bluffton, SC

September through November is a great time to be on Hilton Head Island and in Bluffton, SC. The weather is near perfect with daytime temperatures near 80 and temps that only dip into the 50’s at night. The mild fall and winter seasons are a few of the many reasons so many people look for homes for sale in Bluffton and homes for sale on Hilton Head Island. Many folks look for a Bluffton Realtor to show them vacation homes so that they can spend the colder seasons down South, to enjoy life with no snow shoveling, heavy coats, and freezing temperatures. Others ask their Realtor in Bluffton to show them homes on Hilton Head Island, so they can enjoy the beach and amazing weather of the SC coast all year long.

Fall is the perfect time to get out and enjoy the wonderful weather and fun-filled festivals in Hilton Head and Bluffton, like these popular Low Country events:

Fall Festivals on Hilton Head Island and Bluffton, SC

  • Historic Bluffton Arts and Seafood Festival – October 13 thru Oct 21, 2018 – This popular festival is a week-long event offering a variety of activities, with locally harvested seafood, delicious Low Country cuisine, rich history, culture and art of the area and Southern hospitality found only in Bluffton, SC. Get more information here.
  • Music & Taste on the Harbour at Shelter Cove Harbour & Marina – September 20, 2018 (and more) – This exciting seasonal event returns this fall on Thursdays beginning September 6th through October 18th at Neptune Statue, combining the best local bands with delicious food and drinks. Now in its 10th season, this outdoor concert series will kick-off with The Headliners and will feature a variety of bands on Thursday nights. Get more information here.
  • Hilton Head Island Concours d’Elegance & Motoring Festival – November 3, 2018 – Hilton Head Island’s own Concours d’Elegance & Motoring Festival offers the creme de la creme in automotive exhibition, racing, dining, and entertainment. Here the best, the brightest, and most passionate automotive and aeronautic dreams of yesterday, today, and tomorrow come true right before your eyes. Get more information and tickets here.
  • Crescendo – September 27 thru November 4, 2018 – Crescendo, a regional event, organized in honor of October’s National Arts and Humanities month, highlights and showcases the vast array of arts, culture and history organizations, individual artists, performers, and authors residing and working in the Hilton Head/ Bluffton area. Join the celebration and honor the importance of arts and culture in America and our local community. Learn more here.  
  • Music to Your Mouth at Palmetto Bluff – November 15 thru November 18, 2018 – The 12th Annual Music to Your Mouth is a celebration of the best and the brightest of the South’s culinarians and the delectable cuisine of our region. Family recipes passed down from each generation, fresh produce from local farms and the creative masterminds behind it all converge for a multi-day event series that is a culmination of the finest in Southern food.Learn more and buy tickets here.

Want to be a Part of the Hilton Head Island and Bluffton Community?

We would love to have you join our community and enjoy Low Country living at its finest. If you would like to see homes for sale in Bluffton or homes for sale on Hilton Head Island, the Dufrene Group can show you the available properties in your desired community and price range. Our Bluffton Realtors are here to help and would love to show you around town. Contact us here to schedule a tour!

 

 

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