Mortgage Broker in Folly Beach, SC

We know that many home loan officers have horrible reputations. Some brokers only see their clients as transactions, and a means to make quick money. They come off as impatient and pushy, failing to understand that this is a very big decision for you. At Mija Mortgage, we take the opposite approach. We encourage our clients to take as much time as needed to ask us questions and review mortgage documents. We could say that our mission is to exceed your expectations, but we'd rather just show you. From assistance finding FHA, VA, or other loans to refinancing your current mortgage, Mija is the team you can trust.

Here are just a few reasons why home buyers choose Mija Mortgage:

No Additional Fees

No Additional Fees- Providing our client's services free of charge, using a mortgage broker like Mija Mortgage can help you scout the best price on loans without a hefty price tag.

Access to 50 Lenders

Access to 50 Lenders- With access to a range of loans and interest rates available, Mija Mortgage can shop for the best loans for your unique needs.

Accessible to Our Clients

Accessible to Our Clients- Providing a transparent and communicative service to all our clients, Mija Mortgage ensures all phone calls are answered or returned in a timely manner.

Setting You Up for Success

Setting You Up for Success- Helping you prepare all your documents for pre-approval and the loan application, Mija Mortgage will provide you with all the necessary information to secure the best loan.

Contact Us For Service !

Free Consultation phone-number (843) 822-5685

To understand the benefits of working with a mortgage broker, you must first understand their role in the home-buying process.

What Does a Mortgage Broker Do?

Your mortgage broker is a third party that works to connect you with mortgage lenders. Essentially, a mortgage broker works as an intermediary between a person who wants to buy a home and the entities offering loans to buy a home. The mortgage broker works with both the borrower and lender to get the borrower approved. They also verify and collect paperwork from the borrower that the lender needs to finish a home purchase. Typically, mortgage brokers have relationships with several home loan lenders. Mija Mortgage, for example, has access to 50 different lenders, which gives us a wide range of home loans in Folly Beach, SC, from which to choose.

In addition to finding a home loan lender, your mortgage broker will help you settle on the best loan options and interest rates for your budget. Ideally, your mortgage broker will take a great deal of stress and legwork off your plate while also potentially saving you money.

Help with the Pre-Approval Process

If you're ready to buy a home, getting pre-qualified is a great choice that will streamline the entire process. Your mortgage broker makes getting pre-approved easy by obtaining all the documents needed to get you pre-qualified. In taking a look at your application, they will determine if you're ready for the pre-approval process. If your application needs additional items, the mortgage company will help point you in the right direction to ensure your application is as strong as it can be. Your mortgage broker will also walk you through the different types of loans, from Conventional and FHA to VA and USDA.

In order to be pre-approved for a home in South Carolina, you must have the following:

  • Two Years of W2 Forms
  • 30 Days of Pay Stubs from Employer
  • 60 Days of Bank Statements
  • A Valid Driver's License

Conventional Mortgages

Conventional loans can be used to purchase a new home or refinance your current one. Conventional loans include fixed-rate mortgages and adjustable-rate mortgages. Generally, borrowers must put down a 3% down payment for owner-occupants, 10% for a vacation property, and 20% for an investment home. If you are able to pay 20% of the total cost of the home, you can avoid private mortgage insurance, which is otherwise required. Conventional mortgages are often preferred by buyers with good credit or people needing a non-owner-occupied mortgage.

 Mortgage Broker Folly Beach, SC
 Mortgage Company Folly Beach, SC

FHA Loans

FHA mortgages are issued by the U.S. government and backed by the Department of Housing & Urban Development (HUD). This loan is often preferred by first-time homebuyers because it only requires a 3.5% down payment and offers more flexibility with credit requirements and underwriting standards. FHA loans have several requirements you must meet to qualify. Contact Mija Mortgage today to learn more about FHA loans and whether or not they're best for your financial situation.

USDA Loans

Also backed by the government, these loans are insured by the U.S. Department of Agriculture and don't require money down. These loans have lower insurance requirements when compared to FHA loans, offer 100% financing if you qualify, and allow for closing costs to be covered by the seller. In order to qualify for a USDA loan, you must live in a rural area, and your household income must meet certain standards. These loans are often preferred by low-income citizens who live in rural parts of South Carolina.

 Mortgage Lending Service Folly Beach, SC
 Refinancing Folly Beach, SC

Veteran Mortgages

Also known as VA or Veteran's Affairs loans, these mortgages are reserved for the brave men and women who served in the military. VA loans help provide our military members, veterans, and their families with favorable loan terms and an easy home ownership experience. Often, those who qualify are not required to make a down payment on their home. Additionally, these loans often include less expensive closing costs.

If you are a veteran or the family member of a veteran, contact Mija Mortgage today to speak with our Vetted VA Professional, Debbie Haberny. Debbie helps our military members, veterans, and their family members obtain home loans utilizing veteran benefits and would be happy to help as you search for a home.

Q. I was talking to my spouse about mortgage brokers, and they mentioned the phrase home loan originator. What's the difference between a broker and a loan originator?

A. The mortgage industry is full of confusing jobs and titles, making it easy to confuse roles and responsibilities. Such is the case with mortgage brokers and home loan originators. Though their roles share similarities, a home loan originator in Folly Beach, SC, works for a bank or credit union, while a mortgage broker works for a brokerage company. Home loan originators and mortgage brokers are both licensed by the Nationwide Multistate Licensing System (NMLS).

Q. I've heard from everyone that you must have mortgage insurance to buy a home. What is mortgage insurance?

A. Essentially, mortgage insurance helps protect lenders if a borrower forecloses on the home they bought. One advantage of mortgage insurance is that when borrowers pay it, lenders can often grant loans to buyers when they might not have otherwise. Though not always required to buy a home, mortgage insurance is often needed for down payments of less than 20%.

Q. I have just been pre-approved to buy a beautiful home in South Carolina. Is there anything I shouldn't do now that I'm pre-qualified?

A. Mortgage companies like Mija Mortgage, make getting pre-qualified for a home easy. However, as your loan process continues, your lender is required to run a new credit report before closing on a home. For that reason, it's to avoid any activity that might affect your credit score, such as:

  • Do not become a co-signer on a loan with someone else.
  • Do not quit or change your job.
  • Do not apply for new credit cards, automobile loans, or any other lines of credit.
  • Do not use your credit card to pay for large purchases, like furniture for your new house.
  • Do not avoid payments on current lines of credit, loans, or utility bills.

Q. My brother-in-law recently refinanced his home in South Carolina. What is refinancing, and should I consider refinancing my home too?

A. Refinancing your home basically means you're swapping your current mortgage for a new one, most often with a lower interest rate. If you would like to reduce the term of your loan, lower your monthly mortgage payments, or consolidate debt, refinancing may be a smart option. Many homeowners also choose to refinance if they want to switch from adjustable-rate mortgages to fixed-rate mortgages or to get cash back for home renovations. To learn whether refinancing is a viable option for your situation, contact Mija Mortgage ASAP, as loan rates change frequently.

Mija Mortgage: Turning Dreams into Reality, One Mortgage at a Time

Head-bottom

Here at Mija Mortgage, we believe that the best communities begin with the dream of home ownership. Our mission is to make those dreams come true, with personalized service, expert guidance, and good old-fashioned hard work. As one of the most trusted mortgage companies in Folly Beach, SC, we have years of experience working with a diverse range of clients, from first-time buyers and investors to self-employed borrowers and non-native English speakers.

Though every mortgage situation is different, one thing never changes: our commitment to clients. Contact our office today to get started on an exceptional home-buying experience.

Contact Us For Service !

phone-number (843) 822-5685
 Refinances Folly Beach, SC

Latest News in Folly Beach, SC

Where to Eat Well at Charleston’s Beaches

Many of those visiting Charleston know that downtown is a hot spot for restaurants, but where should folks visiting one of the local beaches eat? From barbecue to noodle bowls, these island eateries can offer a wealth of choices for the hungry wave jumper or sunbather. Read MoreIf you buy something or book a reservation from an Eater link, Vox Media may earn a commission. See our ...

Many of those visiting Charleston know that downtown is a hot spot for restaurants, but where should folks visiting one of the local beaches eat? From barbecue to noodle bowls, these island eateries can offer a wealth of choices for the hungry wave jumper or sunbather.

Read More

If you buy something or book a reservation from an Eater link, Vox Media may earn a commission. See our ethics policy.

Before a day at Folly Beach, frequent visitors know to hit up Lost Dog for brunch. The cafe has something for everyone on the menu, from huevos rancheros to fresh fruit parfaits. Relax with a mimosa before hitting the waves and sand.

Full of surfers and deal-seekers, Folly Beach stop Jack of Cups offers filling curry nachos, dahl, and curry meatballs. The menu is a mash-up of different cuisines from across the globe, including nods to the South, which is always good while sipping a few craft beers.

Self-proclaimed “chill ass bar,” Lowlife offers expertly crafted cocktails, queso, local shrimp rolls, double cheeseburgers, and more in a hip and lively beach space. Lowlife also serves brunch every day of the week, so it’s like a vacation within a vacation.

A visit to Taco Boy is all about the experience. The interiors are lively and full of fun details. It offers a long list of tacos with unexpected fillings, like the Korean beef tacos stuffed with kimchi and grilled flank steak or the sauteed shrimp tacos come with ancho chile yogurt sauce and cabbage. On a nice day, enjoy the patio with a few friends and a frozen screwdriver to go with the other selections.

Spanish for "the ugly boy," Chico Feo makes for a super chill stop after a day on the beach. The eatery feels like visiting a friend’s backyard. The menu is a mix-up of warm weather favorites from across the globe, like Cuban beans and rice, bun cha, and plenty of tacos.

Bert’s Market isn’t a restaurant, but it is an icon on Folly Beach. The 24-hour corner store is well known as stop for made-to-order sandwiches and just about everything else you need for a day at the beach. Bert’s puts it best: “Patronized by freaks, surfers, skaters, crunks, retirees, tourists, stoners, day trippers, hippies, hipsters, and regular folk, Bert’s is the rockingest grocery in town.”

Dining at Sullivan’s Fish Camp is like stepping onto a sailboat out of the 1970s. The retro-chic restaurant is one of the chicest on the island. The menu includes fish camp classics, like peel-and-eat shrimp and smoked fish dip, paired with more modern offerings, like a tuna smash burger or Nashville hot grouper cheeks.

Diners can eat pizza, pasta, and fresh seafood just a few steps from the ocean. From the skilled hands of executive chef Jacques Larson, the Obstinate Daughter offers a stunning dining room to spend visit for lunch, brunch, or dinner. Visitors should order a craft cocktail, a few oysters, and try the ricotta gnocchi with short rib ragu at least once.

Home Team BBQ on Sullivan's Island is always packed with friends and families ordering pulled pork plates and catching a game on the televisions. The smoked wings with Alabama white sauce are addictive, as are the frozen boozy Gamechanger cocktails.

Cozy bistro High Thyme offers a more upscale experience than most beach-goers expect. Guests visit this Middle Street restaurant for celebratory dinners and Sunday morning brunches. Find dishes like mussels in a coconut chili broth, cioppino, three-meat bolognese lasagna, lamb meatballs, and more comforting dishes.

Contemporary Italian eatery Coda del Pesce sits right on the beach at Isle of Palms. Customers can watch the ocean while ordering from chef Ken Vedrinski’s seafood-filled menu. Make reservations early for dishes like the snowy grouper with peanut potatoes, grapes, and Castelvetrano olives.

Before a day at Folly Beach, frequent visitors know to hit up Lost Dog for brunch. The cafe has something for everyone on the menu, from huevos rancheros to fresh fruit parfaits. Relax with a mimosa before hitting the waves and sand.

Full of surfers and deal-seekers, Folly Beach stop Jack of Cups offers filling curry nachos, dahl, and curry meatballs. The menu is a mash-up of different cuisines from across the globe, including nods to the South, which is always good while sipping a few craft beers.

Self-proclaimed “chill ass bar,” Lowlife offers expertly crafted cocktails, queso, local shrimp rolls, double cheeseburgers, and more in a hip and lively beach space. Lowlife also serves brunch every day of the week, so it’s like a vacation within a vacation.

A visit to Taco Boy is all about the experience. The interiors are lively and full of fun details. It offers a long list of tacos with unexpected fillings, like the Korean beef tacos stuffed with kimchi and grilled flank steak or the sauteed shrimp tacos come with ancho chile yogurt sauce and cabbage. On a nice day, enjoy the patio with a few friends and a frozen screwdriver to go with the other selections.

Spanish for "the ugly boy," Chico Feo makes for a super chill stop after a day on the beach. The eatery feels like visiting a friend’s backyard. The menu is a mix-up of warm weather favorites from across the globe, like Cuban beans and rice, bun cha, and plenty of tacos.

Bert’s Market isn’t a restaurant, but it is an icon on Folly Beach. The 24-hour corner store is well known as stop for made-to-order sandwiches and just about everything else you need for a day at the beach. Bert’s puts it best: “Patronized by freaks, surfers, skaters, crunks, retirees, tourists, stoners, day trippers, hippies, hipsters, and regular folk, Bert’s is the rockingest grocery in town.”

Dining at Sullivan’s Fish Camp is like stepping onto a sailboat out of the 1970s. The retro-chic restaurant is one of the chicest on the island. The menu includes fish camp classics, like peel-and-eat shrimp and smoked fish dip, paired with more modern offerings, like a tuna smash burger or Nashville hot grouper cheeks.

Diners can eat pizza, pasta, and fresh seafood just a few steps from the ocean. From the skilled hands of executive chef Jacques Larson, the Obstinate Daughter offers a stunning dining room to spend visit for lunch, brunch, or dinner. Visitors should order a craft cocktail, a few oysters, and try the ricotta gnocchi with short rib ragu at least once.

Home Team BBQ on Sullivan's Island is always packed with friends and families ordering pulled pork plates and catching a game on the televisions. The smoked wings with Alabama white sauce are addictive, as are the frozen boozy Gamechanger cocktails.

Cozy bistro High Thyme offers a more upscale experience than most beach-goers expect. Guests visit this Middle Street restaurant for celebratory dinners and Sunday morning brunches. Find dishes like mussels in a coconut chili broth, cioppino, three-meat bolognese lasagna, lamb meatballs, and more comforting dishes.

Contemporary Italian eatery Coda del Pesce sits right on the beach at Isle of Palms. Customers can watch the ocean while ordering from chef Ken Vedrinski’s seafood-filled menu. Make reservations early for dishes like the snowy grouper with peanut potatoes, grapes, and Castelvetrano olives.

Folly Beach has received $77M worth of sand in 3 decades to replenish eroded shores

FOLLY BEACH — It’s been an expensive task for this beach city to keep its head above water in recent years.Fresh loads of sand have been dumped five times on Folly Beach in the last three decades, a feat totaling $77 million in federal tax dollars and local funds arranged from the city, according to data from the U.S. Army Corps of Engineers.The federal government has allocated another $27 million for the emergency replacement of the equivalent of 90,000 dump truck loads of sand here in early 2024.A number of...

FOLLY BEACH — It’s been an expensive task for this beach city to keep its head above water in recent years.

Fresh loads of sand have been dumped five times on Folly Beach in the last three decades, a feat totaling $77 million in federal tax dollars and local funds arranged from the city, according to data from the U.S. Army Corps of Engineers.

The federal government has allocated another $27 million for the emergency replacement of the equivalent of 90,000 dump truck loads of sand here in early 2024.

A number of factors have contributed to the frequent erosion seen on the beach. Scientists believe climate change, sea level rise and increasing storminess is at play.

But Folly Beach is a special in the eyes of the federal government because it is located down drift of the Charleston Harbor and its federally created jetties. These underwater rock walls span three miles into the water from the shorelines of Sullivan’s and Morris islands. They trap sand around Sullivan’s Island which prohibits the sand from flowing naturally down to Folly Beach, said Nicole Elko, president of Elko Coastal Consulting.

“For that reason, the only addition of sand that Folly receives is from renourishment,” said Elko, who is working as a consultant for Folly Beach.

The last few coastal storms to reach South Carolina took a toll on Folly Beach, too. Emergency renourishments were done in 2005 because of destruction from Hurricane Ophelia and in 2018 because of hurricanes Irma and Matthew.

Folly Beach lost a good bit of sand during Ian last year, too. And the city had already hit its renourishment triggers prior to the storm.

How it works

The process for renourishment is tedious and includes several steps. Engineering and design plans need to be on par before crews begin the work.

But once ready, contractors use a vacuum-like drill to agitate sand down at the seabed of a body of water. The sand then makes its way through the dredge itself. And depending on the distance from the selected seabed to the shore, the sand can be pumped directly on the beach.

Earthmoving equipment, primarily bulldozers, are then used to settle and shape the sand based on the desired design, said Jeff Livasy, the head of civil works for the Army Corps’ Charleston District.

Sand can come from several “borrow areas,” but it has to be compatible with the beach. The Folly River has been used in the past for Folly Beach.

There have been hiccups with this, though.

Rocks or cemented sands were deposited on the beach during a previous renorishment. It is unclear what year it happened.

“We assessed it and it looked like the right type of material,” Livasy said. “But how much of it was cemented together and how, yes, it can come through in large chunks like it did in that renourishment cycle, was unfortunate.”

The next renourishment project is now in the design phase, and Livasy said the Corps will try to avoid a repeat of the last mishap.

“But at the end of the day, we have the borrow sites that we have, and we will make use of them the best we can,” Livasy said.

Preserving new sand

Renourishment projects are part of the bigger beach preservation plan on Folly Beach, Elko said. Putting the sand back on the beach is the most important part.

“But then dune restoration, which includes sand fencing and native vegetation planting, is another piece of that preservation project,” Elko said.

Another important method is land management, or not building structures on the beach. This pertains to homes built on super beachfront lots that sit further out toward the shore than others.

“You want to build your houses behind the dunes,” Elko said. “You don’t want them out, exposed to wave energy, and you don’t want the environment to be affected in that way.”

Elko said the city is currently trying to stop such construction.

After the 2018 renourishment, the South Carolina Environmental Law Project filed a lawsuit challenging the ownership of newly created land on behalf of the city, Coastal Conservation League, Save Folly Beach and a group of homeowners.

The law project said a group of homeowners of super beachfront property claimed ownership of the new dry ground and took steps to pursue development there before the property reverted back to beach and ocean.

Houses on these super beachfront lots have been condemned repeatedly and add to the erosion issues.

“Are we really okay with people building houses that we know are going to be underwater within a year or two after a renourishment?” asked Amy Armstrong, an attorney with the law project. “Is that a good policy for the state?”

Folly Beach Mayor Tim Goodwin said although the case is very involved, it’s meant to protect the city’s natural resources.

Oral argument for the case were heard before the S.C. Court of Appeals on May 11.

Folly Beach offers fun and serenity all at once

People like to call Folly Beach the “fun” beach, and maybe it is, especially if you’re visiting for the restaurants and bars.But there’s also a measure of serenity here if you know where, and when, to look.Here’s the best way to find it: Get here early; 7 a.m. should work — before the traffic on the only road in and out becomes a nightmare.Bring the dog if you have one: From May through September, they’re allowed on the beach before 10 a.m. and after 6 p.m.Check the tides ...

People like to call Folly Beach the “fun” beach, and maybe it is, especially if you’re visiting for the restaurants and bars.

But there’s also a measure of serenity here if you know where, and when, to look.

Here’s the best way to find it: Get here early; 7 a.m. should work — before the traffic on the only road in and out becomes a nightmare.

Bring the dog if you have one: From May through September, they’re allowed on the beach before 10 a.m. and after 6 p.m.

Check the tides online before you arrive: at high tide, part of this walk is underwater.

Park in the grass just outside Folly Beach County Park. Make sure your tires aren’t on the pavement or you’ll have a ticket when you get back.

Take a right when your feet hit the sand.

Keep going, past the pelicans flying so low they could dip their toes in the water, past the last jetty trying to keep the sand from washing away.

Before you’ve walked a mile, you’ll reach a bend in the beach. This is the spot.

To the left, waves lap at the coast. To the right, still water.

It feels like you’ve reached the end of the ocean. Or the beginning.

Sit in the sand. Before you head back to civilization, let the scene wash through your eyes and into your body.

Explore

The Washout

Head to the other end of the island if your companion is a surfboard instead of a dog. A spot off East Ashley Avenue known as The Washout is a favorite for surfers. A bit farther along the street, a paved trail covered in graffiti leads to a small beach with views of the Morris Island Lighthouse.

If you’re brave enough, join the kite surfers being pulled along the water on windy days, sometimes soaring high above the surface before splashing back down.

Folly Beach pier

The pier reopened in December 2022 after a two-year, $14 million rebuild. It’s 1,049 feet long. The pier has been a part of Folly Beach — you can’t miss it if you head toward the sand — since the 1930s. Pay $5 for an all-day fishing pass or just walk to the end and listen to the water.

The pier is open from 8 a.m. to sunset.

Eat and drink like a local

Lost Dog Cafe

For brunch, the go-to meal for late sleepers or early drinkers, try Lost Dog Cafe. Located in a former laundromat on West Huron Avenue, you can find breakfast and bloodies on the menu all day. Try a breakfast burrito, or grab some fried green tomatoes and a chicken salad croissant from the lunch menu. And like many other eateries in Folly, your dog is welcome to join you.

Jack of Cups

A favorite of The Post and Courier’s food editor, Jack of Cups on Center Street has a menu built for the adventurous eater. Boasting a bevy of vegetarian options on a menu the owners describe as “globally inspired,” the kitchen also cranks out dishes you probably never come across at home: Among them: Cap’n Crunch deviled eggs, dill pickle soup and unicorn pop rock cheesecake.

The Bounty Bar

Created by the owners of The Royal American in Charleston, The Bounty Bar on Center Street aspires to serve “better than it has to be” bar food. It’s open until 1 a.m. daily and has you covered whether you’re craving seafood, chicken or steak.

Chico Feo

Head to Chico Feo on East Ashley Avenue for tacos, beer and live music. Check their calendar for musical performances. Or show up on a Monday for soapbox night, when you can sign up to take the stage and show off your talent, whether it’s singing, spoken word or parlor tricks.

Shopping

If you need groceries or a quick snack, try Bert’s Market on East Ashley Avenue.

A smattering of surf and beach shops in the heart of town will have everything you need for a day on the beach, including the towel or sunscreen you accidentally left at home.

While you’re indoors — easily the worst place to be at Folly Beach — you can also pick up some souvenirs for the family members who couldn’t join you.

If you plan to spend most of your time on the beach, there are some rules you should remember:

No alcohol, glass containers, plastic bags, balloons, Styrofoam, open fires, fireworks or littering.

Surfing without a leash is prohibited. From May 15 to Sept. 15, surfing is prohibited from 10 a.m. to 6 p.m. from 2nd Street East to 3rd Street West. From Sept. 16 to May 14, surfing is allowed in any area. It is prohibited within 200 feet of the fishing pier.

Stay off the dunes and use public walkovers.

To protect sea turtle hatchlings, no lights are allowed that illuminate the front beach between 10 p.m. and dawn from May 1-Oct. 31. For a full list of beach rules, check visitfolly.com.

Folly Beach resident fears overbuilding amid ongoing legal battle over beachfront development

FOLLY BEACH, S.C. (WCIV) — Tami Bourne has lived on folly beach for over three decades.However, because of a recent development plan on Folly's beachfront lots, she is concerned.Folly Beach resident fears overbuilding amid ongoing legal battle over beachfront development. (WCIV)"When you have these disasters, these hurricanes, houses blow into houses," Bourne said. "So the more you put out there, the more it's gonna' get blown into the water. So it's just a problem that way. And also with the hurting...

FOLLY BEACH, S.C. (WCIV) — Tami Bourne has lived on folly beach for over three decades.

However, because of a recent development plan on Folly's beachfront lots, she is concerned.

Folly Beach resident fears overbuilding amid ongoing legal battle over beachfront development. (WCIV)

"When you have these disasters, these hurricanes, houses blow into houses," Bourne said. "So the more you put out there, the more it's gonna' get blown into the water. So it's just a problem that way. And also with the hurting the beach as far as making it erode more."

The super beachfront lots are along East Ashley Avenue, just north of the washout down to the lighthouse.

Read more: South Carolina workers face job loss due to stalled worker's compensation claims.

"These lots were platted back in at least the 1950s," Leslie Lenhardt said, "and they are the most seaward of any lots that were platted on Folly Beach."

The plots are currently held in trust by the state for the public to enjoy. Some property owners attempted to claim ownership after the 2018 Folly Beach Renourishment Project.

"So for a very short period of time after that Renourishment, these lots became high ground," Lenhardt said. "These property owners, what they are trying to do during this window of time is to develop those lots."

Read more: Dorchester District 2 board to review long-awaited salary study in bid to stay competitive.

This is a legal battle that goes back to 2020. A judge hear motions on whether developers could build on those lots. The legal maneuvering is ongoing, with the issue expected to go before another court in the coming months.

"The Court of Appeals has remanded the case," Lenhardt said. "Because it's a novel issue, the court said we really want a judge to determine whether or not this is a recognizable theory under the law."

Multiple preservation groups and the city say they want to figure out the boundary between private and public property while preserving the beach.

"I'd like to keep folly as it is," Bourne said. "It's unique. It's funky. And I hate to see it get overbuilt and our beaches overbuilt."

The Most Expensive Beaches in South Carolina to Buy a Second Home

Have you ever dreamed of rolling out of bed to watch the sun rise over the ocean waves? Do you find that a week at the beach is too short? If you love to spend your days searching for sea shells, watching for marine wildlife, or simply walking in the sand, you may have thought about purchasing a second home that would let you enjoy the ocean any time you please. In fact, some of the beaches in ...

Have you ever dreamed of rolling out of bed to watch the sun rise over the ocean waves? Do you find that a week at the beach is too short? If you love to spend your days searching for sea shells, watching for marine wildlife, or simply walking in the sand, you may have thought about purchasing a second home that would let you enjoy the ocean any time you please. In fact, some of the beaches in South Carolina are among some of the most popular in the entire country.

Each year, thousands of visitors flock to Myrtle Beach, Hilton Head Island, and other beachside towns in South Carolina and its neighboring states of Georgia and North Carolina. Yet if you have ever considered purchasing a beach house, you know that oceanfront property does not come cheap. This article covers five of the most popular and most expensive beaches in South Carolina. You will discover basic facts about each place and the key numbers that prove that they are among the most expensive places to buy a beach house in the entire state. Let’s dive in now, starting with the most expensive beach community in South Carolina.

Sullivan’s Island

First on the list of most expensive beaches in South Carolina is the town of Sullivan’s Island. Sullivan’s Island is a barrier island close to Charleston Harbor. This 2.5-mile island has a small-town feel with gorgeous beaches, marshes, and plenty of history and culture for visitors to enjoy. Located only about 10 miles outside of downtown Charleston, you can reach Sullivan’s Island after a quick 20-minute drive. This beach town is a popular destination for families with young children and retirees alike and provides plenty of award-winning restaurants, watersports like kayaking and swimming, and historic landmarks.

The quiet, picturesque town gives residents and visitors a sense of rural peace while a population of only about 2,000 ensures that neighbors know each other. The majority of homes are owned, with fewer than 20% of residents renting their homes on Sullivan’s Island. However, purchasing a home here will come at a steep price tag.

In June 2023, the average home price in Sullivan’s Island was around $3 million – but in 2022 the majority of single-family homes in Sullivan’s Island sold for $3.8 million. Halfway through 2023, the year’s median was up to $4.7 million. In June 2023, one oceanfront home sold for an incredible $6.29 million, setting a record for the year. Back in November 2020, another oceanfront villa sold for a whopping $8.2 million! Not only is Sullivan’s Island the most expensive beach community in which to buy a house in South Carolina, but it is also one of the top most expensive in the country!

Kiawah Island

Next up is Kiawah Island, a beach in South Carolina called an “oasis of untouched natural beauty and renowned hospitality.” The town of Kiawah Island is located about 21 miles outside of Charleston. With 10 miles of beaches and diverse habitats – from sand dunes to forests and marshes – Kiawah Island is the place to find wildlife thriving. From sea turtles to alligators and whitetail deer and bobcats, Kiawah Island is a window into ocean ecosystems and land mammals alike. This resort island has world-renowned golf resorts, including the famous Kiawah Island Golf Resort which has hosted golfing championships.

This charming resort island has a regular calendar of events, a thriving restaurant and shopping scene, and plenty of opportunities for outdoor adventure. Buying a home on Kiawah Island, however, could be an adventure of its own. Most of the homes on Kiawah Island are rented out during the year to the numerous guests visiting the beaches. Homeowners can expect to pay steep homeowners association (HOA) fees, significant upfront costs, flood insurance, and more. However, the local market makes up for that with a lot of options. Do you want to live in a condo? Would you prefer to buy a house? Are you looking for a beachfront mansion? Whichever it is, Kiawah Island has it all.

In 2022, the median price of a single-family home was $2.7 million. The island saw an incredible $742 million in sales.

Isle of Palms

The town of Isle of Palms is located on the barrier island also called “Isle of Palms.” This residential and resort community with a population of just over 4,300. Take a 20-minute drive from Charleston, and you might end up walking the six miles of white, sandy beaches. Isle of Palms has many bike paths around the island, lots of recreation facilities and opportunities to enjoy every sport from tennis to softball. On the north end of the island, the Wild Dunes Resort commands 1,500 acres of land. There, you will find pools, tennis courts, and golf, as well as homes and vacation rentals.

Isle of Palms is often voted one of the best places to live in South Carolina since the town offers plenty of restaurants and activities and operates like a tiny city. This self-contained ecosystem has everything you will need to live or vacation in a beachside house.

However, purchasing a home on the Isle of Palms might not be easy. In 2022, the median home price for a single-family home was $1.98 million. Yet by June 2023, the median home price was already up to $2.15 million – and prices still seemed to be on the upswing.

Folly Beach

Folly Beach is a town on Folly Island. In this beachfront city just south of Charleston, life revolves around the ocean. Whether biking the beachfront trails, kayaking, surfing, swimming, or boating, visitors flock to Folly Beach to enjoy the sun, surf, and sand. This 12-square-mile barrier island offers 6 miles of beaches and a quirky assortment of local businesses – from seafood restaurants to cafes and small shops.

Folly Beach is also steeped in history. From pirate legends to Civil War history, Folly Beach was historically the site of dastardly deeds and military occupation. Despite being abandoned after the Civil War and later being hit by devastating hurricanes, Folly Beach made an amazing comeback during the 20th century. Today, the boardwalk and the many local attractions bring thousands of visitors to the town that 2,400 residents call home.

In 2022, the median cost of a single-family home in Folly Beach was $1.66 million. Even a small two-bedroom bungalow could easily set you back $1.2 million.

Seabrook Island

Yet another Charleston-area beach town is Seabrook Island. This small, welcoming oceanfront community boasts of natural beauty, miles of pristine beaches, forest, and marshland. Seabrook Island is a private community on a gated barrier island. This means that Seabrook Island is exclusively accessible to residents and their guests. Privacy, peace, and nature attract members who want to enjoy the natural wonders away from crowded beaches.

Thanks to its exclusivity, Seabrook Island features many luxury homes, including those that look out at the ocean or feature river, marsh, forest, or golf course views. As a planned community, Seabrook Island’s designers sought to maintain the natural habitat, keep the local wildlife, and provide luxury real estate.

Unlike in other towns on this list, there is a unique process to become part of the Seabrook Island community. The Seabrook Island Real Estate team is your official source for buying and selling homes in Seabrook Island. You get the choice to buy a unique home or build your own, with the chance to surround yourself with incredible sights. The average home size on Seabrook Island is about 3,000 square feet. With 2,600 residential properties, you can choose from among 38 different mini-communities “within the community” – get a villa, cottage, or townhome.

In 2022, the median cost of a single-family home on Seabrook Island was $1.2 million. By June 2023, that cost had risen to $1.37 million.

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About the Author

Carrie is a writer and fan of all types of plants and animals. Her apartment is home to more than dozen different houseplants and she aspires to adopt more in the near future. You can find Carrie taking long walks or reading a book under the trees in the park.

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