South Carolina mortgage
Bluffton, Hilton Head

As a lender, Choice Finance® has the ability to process, underwrite, approve, and fund your mortgage. With full control, we have the ability to close your home loan in days. This full control means ease of process, and speed of approval... and for this, Realtors® and our clients love to work with us.

We will be happy to review your overall financial picture and ensure you receive a mortgage program that helps maximize your financial security for your family's future. As a banker and a broker we have unlimited access to literally hundreds of programs.  Our goal is to help our clients fully understand every option available to them in this rapidly changing market.

HOME IMPROVEMENTS, and how to pay for it
Do you have adequate homeowner's insurance?




Do you have adequate homeowner's insurance?
Surprisingly most homeowners either reply yes or I think so.  We usually don’t find out the true answer to that question until we have a claim.  That is when many homeowners find out they didn’t have enough coverage or were not covered; making a bad situation worse.

It has been my experience that most homeowners purchase their homeowners insurance during their initial purchase or a refinance and get just enough to cover the required amount by the lender and/or the least expensive.  This can be a costly mistake.

Lets face it, none of us like paying insurance premiums until the day comes when we have to use it.  And I’m sure you’re familiar with the cliché, “Hind sight is twenty-twenty”…  So now is the time to get out your homeowners policy and make sure you have adequate coverage.  Here are a few things to look for:

   ●       If you are being sued does your policy offer adequate coverage? (Remember that you should have enough insurance to cover your home, possessions as well as money left for additional liabilities.)

   ●       If you experience a loss or your home is completely destroyed; do you have enough coverage to replace your home?  (Many homeowners after Hurricane Katrina found out they were not adequately covered or not covered at all.)

   ●       Are you in a flood zone?  If so; do you have flood insurance?  What kind of flooding does it cover?

   ●       Does your policy cover wind damage?

   ●       If your home is beyond repair and you have to rebuild, does your policy cover the replacement and provide funds for a place to live during the rebuilding of your home?

These are just a couple of questions you should know the answers to and make sure your policy offers adequate coverage.  Homeowners that live along coastal areas such as Hilton Head Island, Bluffton, Beaufort, Myrtle Beach or any of the many beautiful towns along the South Carolina coast should be aware of the different hazards that living on the coast can bring and make sure you have addressed those concerns with your insurance agent. 

Here’s the bottom line; take a few minutes out of your busy schedule to make sure you have adequate coverage.  Whether in Charleston or Columbia, take those few minutes... they could be worth thousands of dollars to you in the future.


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