Traditional Financing for the Palmetto Bluff Life
Congratulations on owning one of the premier homesites in the low country of South Carolina! As an owner at Palmetto Bluff you have access to the best construction-to-permanent loan program in the area to provide financing for your building project.

Whether you have an existing lot loan or own your homesite outright, a construction loan from Citizens Bank can provide the financing options to help you realize the Palmetto Bluff lifestyle.
How it works
If you're planning to build, our one-time close construction-to-permanent loan provides financing for the purchase of your lot and the construction of your home on that lot. If you already own a lot, the construction-to-permanent loan can be used to finance the construction costs. And, if there's a mortgage on the lot, you may be able to roll it in with the construction-to-permanent financing.

Who we are
Citizens Bank is financially strong and publicly traded on the NYSE under the symbol CFG. Additionally, we were recently ranked 2nd by JD Power and Associates in their 2015 survey for customer service on primary mortgage origination. Our dedication to excellence in mortgage lending has produced may satisfied customers in Palmetto Bluff.

The Kristoff Team has been lending locally to Hilton Head Island and Bluffton since 1989. We have worked with thousands of clients and received numerous top producer awards by lending $2.5 billion over 42 years. Our philosophy is simply, “say what you mean, mean what you say, and do what you say you’re going to do.” This straight-forward approach combined with our extensive knowledge and experience has allowed us to succeed within any market condition.

Closing Cost Credit!

Register below to receive a closing cost credit only from the Kristoff Team at Citizens Bank.

Talk with us, We'll listen
Schedule an Appointment with The Kristoff Team
The first step toward building your Palmetto Bluff dream is talking with a member of the Kristoff Team at Citizens Bank - Citizens One Home Loans. We'll listen to your plans and design a financing strategy that fits your goals. Schedule an appointment today!

(843) 301-7070 or Online


Wilson Cottage | Mooreland Village | River Road | The Point | May River Forest | Longfield Farms | Barge Landing | Headwaters | Hayfields | The Inn at Palmetto Bluff




Equal Housing Lender | © 2015 The Kristoff Team. All rights reserved. Mortgages are offered and originated by Citizens Bank, N.A. Citizens One™ and Citizens One Home Loans™ are brand names of Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to individual approval.
7 Office Way, Suite 206
Hilton Head Island, SC 29928