Stuff to do after the Stuffing on Hilton Head

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They’re baaaaaaack!  – The 75,000 lights that illuminate the Shelter Cove Town Centre will run nightly from 6-10 p.m. through Jan. 2.

Sea Pines Stables

Thanksgiving Wagon Ride – Enjoy a festive wagon ride as we marvel at the fall colors, as well as abundant plant and wildlife in the Sea Pines Forest Preserve. Cookies and refreshments will be provided before the tour. Reservations required; contact (843) 842-1979. $15/adult, $12/child (ages 12 & younger)

  • Thursday, November 26; 10am & 11:15am
  • Friday, November 27; 3pm & 4:15pm
  • Saturday, November 28; 10am & 11:15am

Forest Preserve












13th Annual Fishing Tournament  Friday, November 27; 10am-12pm  – Join us in the Sea Pines Forest Preserve to fish for bass, bream and catfish at Fish Island. Try to win a prize in one of our tournament categories, and roast hot dogs and marshmallows around a fire. Reservations required; contact (843) 842-1979. $15/person including fishing pole, or $10/person without fishing pole

Harbourtown Oak












Gregg Russell Thanksgiving Concert  Friday, November 27; 7:30-9pm – Join us under the Liberty Oak in Harbour Town for a very special Gregg Russell Thanksgiving concert for the entire family, as well as the official lighting of the Harbour Town Christmas tree. Complimentary.

Heritage Farm - Sea Pines











Caramel Apple Festival  Saturday, November 28; 1-3pm – Bring the family to Heritage Farm for a fun afternoon of fall activities, including caramel apples, games, crafts and more! Rates vary based on activities. (843) 842-1979

Coligny Black Friday












Coligny Plaza Black Friday  – Bring your family and join your friends the Coligny Outdoor Market, Friday, November 27th from 2-5pm. Food Trucks, Street-Style Vendors, Music by Cranford Hollow, Bounce Houses for the Kids and Santa Arriving by Helicopter at 2:30pm!
festival of trees















Festival Of Trees – Nov. 20 – Dec. 4 Admire the beautifully decorated trees from local organizations and businesses. The highest bidder for each tree will take it home for the holidays. All proceeds from the Festival of Trees benefit the Hilton Head Preparatory School Scholarship program for local students.

 Art exhibit








The Public Art Exhibition on Hilton Head Island – The Public Art Exhibition will be held October 1 through December 31, 2015 at the beautiful Coastal Discovery Museum on Hilton Head Island.


Saturday, December 5th – 10:00 a.m. is the 2015 Town of Bluffton Christmas Parade.  If you would like to participate in the parade, please register by clicking on the wreath to the right.

Happy Thanksgiving!!

From all of us at Hilton Head Properties!

Tad, Bruce, John, Rich, Aaron, Cheryl, John, Alex, Amanda, Darcey, 

Ken, Terry, Jeanne, Robbie and Jane.


Can You Purchase a Home Even With Student Loans?

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student on laptopAs more millennials are preparing to buy a home, one issue is making it difficult for many — student loans.

The Project on Student Debt calculated that just about 7 in 10 college graduates in the Class of 2014 had student loan debt, and on average each student had about $29,000 in loans.

With mortgages often amounting to well over a hundred thousand dollars, many first-time home buyers may be asking whether they can even qualify for financing with their student debt.

So, is it possible to buy a home even with thousands of dollars in student loans? It depends.

What’s Your Debt-to-Income Ratio?

It all comes down to your debt-to-income ratio, or what percentage of your gross monthly income goes toward your total monthly mortgage payments.

Lenders recommend a debt-to-income ratio no greater than 36%, with no more than 28% of your monthly income going toward paying off your mortgage. As an example, someone who earns $50,000 in a year and has $1,500 in monthly debt payments would be right at the 36% recommendation.

calculator and finance sheetSo even if you are saddled with thousands of dollars in student loans, it is possible to obtain financing for a home if your debt-to-income ratio is right around that recommended ratio.

You Also Need to Consider Credit History

When home buyers apply for a mortgage, lenders look at whether they pay their bills on time and their employment history, for instance. If you have good credit history, that may further help you qualify for a mortgage.

You can always talk to a reputable lender about whether you can qualify for a mortgage with your student loan debt. Talk with us and we can help you get started with the mortgage pre-qualification process.

We Can Talk About Your Home Buying Plans

If you’re thinking of buying a home in the area, we can also recommend a reputable local mortgage lender so you can discuss the right mortgage for you, including interest rates and down payments. We even offer a free mortgage calculator on our website that can help you calculate monthly mortgage payments.

Contact us today and we can get started!

State Of the Island Address~Hilton Head Style

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We had a great summer on Hilton Head Island. We hope you did too!  Some highlights included 320 sea turtles nesting on our beaches, our new Shelter Cove Towne Center Grande Opening, the addition of new Sea Pines amenities and a record breaking rental season.  As the busy summer season winds down, we move into timing opportunities for Hilton Head Island for property owners, buyers and sellers.  Read the rest of this entry

How to Prepare Your Home for the Holidays

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dinner table with thanskgiving mealIt’s already November, but major retailers have already stocked their displays with twinkling lights and shiny ornaments, so you know what that means: The holidays are here.

Easy Holiday Home Decorating Tips

Whether you plan to host holiday get-togethers with friends, family, and neighbors or plan to visit your loved ones this year, you can prepare your home with today’s best styles to get into the holiday spirit.

Here are three ways that you can decorate your home for the holidays.

Use Seasonal Centerpieces

Nothing says “festive” quite like seasonal decorations around the table. Prepare for Thanksgiving Day meals by setting out cornucopias, small pumpkins, and autumn leaves, and exchange them for holly wreaths or tiny Christmas trees close to December.

Try Scent-Sational Decorations

Cinnamon, vanilla, gingerbread — these are the warm aromas that define the holiday season. So light a few candles in the kitchen or bake some cookies to fill your home with seasonal fragrances.

snowflake ornament with blue glitterFill Your Windows with Winter Joy

Let the sun cast its rays on your holiday decorations.

You can hang decorative snowflakes from your windows and watch your room light up with the sparkles, or choose stylish window decals to give your home the look and feel of a winter wonderland.

Let Us Be Your Real Estate Resource This Season

Are you searching for a new home during the holidays? You don’t have to find it alone. We have a variety of free, helpful home buying resources that can help you discover the perfect place to call home in the coming months.

Contact us today to learn more about the area, find homes for sale, or to schedule a showing of your dream home. We are always happy to help.

Hilton Head News October 28, 2015

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You will find that this format is easier to read on your cellphone or tablet.Let us know what you think!  Thank you.  Robbie Bunting
Hilton Head Real Estate News & Updates
Get Ready…these community videos are a great way to research your neighborhood.  Every week we will be featuring a community in the Low-Country including Hilton Head Island, Bluffton and Daufuskie Communities.  This weeks feature community is Palmetto Dunes. Simply click the photo below.  Happy Touring.
Visit Our Website

Upcoming Events & Resources

Concours d’ Elegance Port Royal Oct 31 – Nov 1

Halloween Low Country Style

Happy Thanksgiving, Ya’ll

Hilton Head is #7 – Best Islands by Conde Neste Our

Best Villas For Sale in Palmetto Dunes

The 10 Lowest Priced Homes for sale on Hilton Head

The Homes over $4 million for Sale on Hilton Head

Harbourtown Aerial

Vacation Rental Spotlight   We are pleased to introduce new additions to vacation rental team.  Please welcome Jeanne and Ken Meade our new vacation planner and concierges services.   Jeanne Meade will make your Hilton Head vacation search both pleasant and rewarding.  Please contact Jeanne at (843)785-2242 ext 5 or via email at   For discounted golf course condition reports, tee times, rental bikes, court time, dining ideas or a Low Country Tour, please contact Ken Meade our Concierge Services representative.  You can contact Ken anytime at (843)290-0259 or send an email to

 Properties For Sale

Hilton Head Island, SC Search:  Hilton Head Island, South Carolina
Search:  Bluffton, South Carolina
Search:  Daufuskie Island, South Carolina
Search:  Our Featured Listings
Search:  Our Rental Properties
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Erosion to Hilton Head Island beaches will be short-lived

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Authorities say sand swept off Hilton Head Island beaches by this month’s damaging rains and storm surges will be more than offset by a $20 million beach renewal project already planned for next year.

Source: Erosion to Hilton Head Island beaches will be short-lived

Unique Ways to Decorate Your Home for Halloween

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Halloween is just around the corner. Have you thought about decorating your home this year?

It might seem like all of the options for Halloween decorations are the same year after year: carve a pumpkin, light the luminaries, and set out a bowl of candy for trick-or-treaters. But with just a little paint and creativity in the right places, you can really make your Halloween decorations stand out.

3 Easy Twists on Traditional Halloween Decorations

Looking to modify your Halloween decorations this year? Here are a few simple twists on your traditional choices.

pumpkin carved with geometric designsCarve Patterns Into Your Pumpkins

Who said pumpkins always had to have faces? Light up the night with swirls and stars from your illuminated pumpkins, and let your friends and neighbors admire your unique creation.

You can carve your pumpkin with as simple or intricate designs as you want. It’s all up to you.

Make Mason Jar Monsters

Turn your ordinary glass jars into simple yet spooky decorations with just a little bit of paint and cloth. You can paint a Mason jar orange with black eyes and a mouth to look like a jack-o’-lantern, or wrap a jar with gauze and stick on two eyes to look like a mummy.

And let your creations glow in the dark. Light a tea candle or put a battery-operated tea light into your Mason jar monsters and set it on a table or window sill to give your room a spooky effect.

Welcome Trick-Or-Treaters with Goody Bags

Turn the typical treat stop at your front door into a fun experience for both you and the trick-or-treaters — you’ll have fun decorating individual goody bags, and they’ll have fun choosing among delicious treats.

a pile of jelly beansFill a small Ziploc bag with orange jelly beans and draw on eyes and a mouth to make pumpkin treat bags, or draw a hairline and eyes on a bag filled with green jelly beans to create Frankenstein’s monster.

Or, if you want a spookier effect, you can make hand-shaped goody bags. Just fill transparent plastic gloves with candy or popcorn.

And if you’re selling your home this month, you don’t have to save these sweet tips for Halloween night; leave small goody bags for home buyers during a showing. It’s a great way to treat them.

Selling Your Home This October?

Let Halloween be the only spooky time that you encounter this month. We’re your real estate experts and are happy to help you stage your home, answer your questions, and determine a competitive listing price for your property, giving you peace of mind while selling.

Give us a call today and we can talk about your home selling timeline.

Attention Sellers, We are in the 4th Quarter!

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Sell_your_Hilton_HeadThere is no sense waiting until December to make your move.  The buyers are here now.  In fact, there are still some sellers sitting on the fence waiting for more money and rolling the dice that these buyers will still be in the market when they are finally ready to sell.  If you would like to sell before the tax bills are due, read on.  If you are waiting for the next rocket ride in appreciation, it is our hope that you have a very comfortable seat on that fence. Read the rest of this entry

Relief for our Hilton Head Neighbors!

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1000_year_rainHilton Head Islanders may be craving some sunshine after 12 days of dark skies and some rain, but we really have nothing to complain about. Our neighbors in Columbia and Charleston will need lots of help in the days, weeks and months ahead. If you would like to volunteer or contribute locally, listed below are ideas and collection points.

Read the rest of this entry

“Know Before You Owe”: How New Rules Could Impact Closings

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house icon on grassIf you’re a home buyer, changes to the closing process are coming in just a few days.

New regulations go into effect on Saturday, October 3rd, providing new loan disclosure forms that are designed to help you better understand the terms of your home mortgage before you close on your new home. That means if you applied for a loan on or after that date, you will receive the easier-to-understand forms.

What You Need to Know About the New Closing Disclosures

To summarize, these new rules combine mortgage loan disclosures from both the Truth-In-Lending Act (which informs consumers about loan terms) and the Real Estate Settlement Procedures Act (which deals with closings) into one simplified set of disclosure forms for home buyers who are getting a mortgage.

The official title to these regulations is a mouthful — Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosure Rule— so the regulations are just referred to as TRID. (The enforcement agency, the Consumer Financial Protection Bureau, also calls it Know Before You Owe.”)

“Know Before You Owe” is designed to help borrowers clearly understand the costs and terms of their home mortgages. Here are the changes that you can expect from these new regulations, from the number of forms you’ll need to fill out to the time requirements that can alter your closing date.

You’ll Have Two Forms Instead of Four

If you’re getting a mortgage, you’ll receive two forms under “Know Before You Owe.” The first, a loan estimate, based on your financial information. You’ll receive the loan estimate 3 business days after applying for your mortgage. The second, a closing disclosure, which outlines all of the costs you will need to pay. You’ll receive that form 3 business days before closing.

These two new forms are more user-friendly, and are replacing four separate forms that home buyers received before — two Truth-In-Lending statements, the loan estimate, and a list of itemized fees.

With these new regulations, you will have time to review the terms of your mortgage well before closing, so you can understand exactly what fees there will be. You can read the Consumer Financial Protection Bureau’s full guide to the loan estimate and closing disclosure forms here.

There is a 3-Day Review Period Before Closing

Under the new “Know Before You Owe” rules, mortgage lenders must send you easier-to-understand information about your loan — the Closing Disclosure form — 3 business days before closing on your home, giving you time to review the terms of your mortgage.

However, some changes to the mortgage terms — like changes to your interest rate or the loan product itself — will mean that you will need another 3-business-day review period, possibly delaying your closing date. If you would like an overview of the details, the CFPB highlights the instances where the 3-day review period would be affected.

We Can Answer Your Questions About “Know Before You Owe”

If you are buying a home and have questions about these new regulations, and what it might mean for closing on your home in the future, contact our real estate experts today and we will be happy to answer your questions in detail.

Copyright © 2015 Hilton Head Real Estate. All rights reserved. Disclaimer: All content on this blog is my own opinion and should not be treated as fact or relied upon when purchasing or selling real estate.
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