181 Bluffton Rd. Suite F1012 Unit 2
Bluffton, SC 29910 Mobile (843) 603-5924 [email protected]
- monday: 9:00AM – 5:00PM
- tuesday: 9:00AM – 5:00PM
- wednesday: 9:00AM – 5:00PM
- thursday: 9:00AM – 5:00PM
- friday: 9:00AM – 5:00PM

Your Local CrossCountry Mortgage Loan Officer

Nick Kristoff

Branch Manager
Bluffton, SC Mortgage Loan Officer
NMLS #379253

I’ll be with you every step of the way

Hello! I’m Nick Kristoff, a branch manager at CrossCountry Mortgage in Bluffton, SC. Licensed in Florida, Georgia, South Carolina, North Carolina and Virginia, I excel at helping Lowcountry residents finance their dream homes. I’ve been named a Scotsman Guide Top Originator and one of the Top 1% of Mortgage Originators in America by Mortgage Executive Magazine.

My family philosophy is simple: “Say what you mean, mean what you say and do what you say you’re going to do.” This straightforward approach, combined with extensive knowledge and experience, has allowed me to succeed in any market condition. My expertise covers a wide range of home loans, including VA, FHA, USDA, Fannie Mae, Freddie Mac, jumbo, construction and reverse mortgage programs. Whether you’re purchasing, renovating or refinancing, America’s #1 Retail Mortgage Lender offers a product for your plans.

Guides and resources

Homebuying Guide

Step-by-step process to getting the keys to your new home.

Refinance Guide

For a smooth refinancing experience, know the facts.

My social posts

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

Get pre-approved for a purchase
Get pre-approved for a refinance
Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?