Mortgage Broker in Sullivan's Island, 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 Mission One 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, Mission One is the team you can trust.

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

No Additional Fees

No Additional Fees- Providing our client's services free of charge, using a mortgage broker like Mission One 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, Mission One 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, Mission One 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, Mission One 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. Mission One Mortgage, for example, has access to 50 different lenders, which gives us a wide range of home loans in Sullivan's Island, 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 Sullivan's Island, SC
 Mortgage Company Sullivan's Island, 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 Mission One 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 Sullivan's Island, SC
 Refinancing Sullivan's Island, 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 Mission One 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 Sullivan's Island, 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 Mission One 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 Mission One Mortgage ASAP, as loan rates change frequently.

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

Head-bottom

Here at Mission One 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 Sullivan's Island, 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 Sullivan's Island, SC

Latest News in Sullivan's Island, SC

Sullivan’s Island saved 100 Palmetto trees from being axed. They are again at risk.

Middle Street on Sullivan’s Island could look sparse in the new year. Sixteen miles of streets and roadways on the barrier island are part of Dominion Energy’s routine tree-trimming project at the start of 2024.Dominion Energy has contracted with Xylem Tree Experts to trim limbs that are within unsafe proximity to power lines, beginning Jan. 2. Work will begin near Fort Moultrie, and crews will make their way toward Breach Inlet over an eight- to 10-week period.The 16-mile collection of streets and roads on Sullivan...

Middle Street on Sullivan’s Island could look sparse in the new year. Sixteen miles of streets and roadways on the barrier island are part of Dominion Energy’s routine tree-trimming project at the start of 2024.

Dominion Energy has contracted with Xylem Tree Experts to trim limbs that are within unsafe proximity to power lines, beginning Jan. 2. Work will begin near Fort Moultrie, and crews will make their way toward Breach Inlet over an eight- to 10-week period.

The 16-mile collection of streets and roads on Sullivan’s Island is part of a larger trimming effort that spans 87 miles and includes portions of Mount Pleasant, Isle of Palms and Goat Island.

Each time a trimming project is announced, feedback and concern from residents is expected — particularly when the removal of palmetto trees is a possibility.

SC Climate and Environment News

Sullivan’s Island is no stranger to this: the power utility had plans to remove over 200 palmetto trees on the island in 2020, but paused the effort following a meeting with the town’s mayor, Patrick O’Neil.

“We certainly understand the passion surrounding trees in the Lowcountry; we work and live here, too,” said Dominion Energy spokesman Paul Fischer. “These are our communities, as well, and we understand that, but safeguarding overhead electric lines is critical to keeping the lights on for all the customers we serve.”

About 100 palmetto trees were not cut down as a result of that meeting and continued to grow, O’Neil said. This time around, Sullivan’s Island may not get so lucky.

“We got a stay of execution for about 100 or so of them that were not definitely intruding on the required space that power lines have around them,” O’Neil said. “I’m assuming a large number of them will have to go this time, unfortunately. But you know, we’ve made it clear to them that we hope they won’t do anything more than is absolutely necessary.”

Fischer said there are currently no palmetto trees specifically targeted for removal, but the trees that pose a risk to overhead lines soon will be identified. Trees needing removal will be marked with spray paint at the base, Mark Branham, Dominion Energy forester, said during a presentation to Sullivan’s Island Town Council on Dec. 19.

“Palms are a big safety and reliability concern for us,” Branham said.

Councilmembers had concerns about how the island will look following the Jan. 2 trimming.

“To say … it was jarring and really upsetting to everyone on this island the last time this happened is an understatement,” Councilwoman Jody Latham said.

Fischer said the five-year trimming projects allow the utility to respond more quickly to power outages during weather events, like hurricanes or the recent nor’easter on Dec. 17. Towns and cities experience fewer outages following tree trimmings, Fischer said.

Many of the outages reported on Sullivan’s Island since 2019 have been momentary outages, lasting less than five minutes, Branham said. There have been three sustained outages lasting longer than five minutes over the last four years.

During the trimmings, crews remove branches that are growing toward power lines and leave branches that are growing away from the lines. Called target pruning, or directional pruning, the process accounts for anticipated growth and is less harmful to the health of the tree than “rounding over” the tree, or laterally cutting the top of the tree. Palmetto trees cannot be directionally pruned because of the way the fronds grow.

Immediately after the trimming, the appearance of trees can be shocking.

“While it can look different immediately following a cycle, we know based on our history and our need to return every five years that those canopies fill back in rather quickly in the Lowcountry, particularly with our approximately 300 days of a growing season,” Fischer said.

Sullivan's Island group urges protection of Maritime Forest

SULLIVAN'S ISLAND, S.C. (WCIV) — Sullivan's Island For All wants to make sure people know not only the beauty of the Maritime Forest, but also how it protects the community.Karen Byko, the president of Sullivan's Island For All, says the forest is more than just a home for wildlife.Read more: ...

SULLIVAN'S ISLAND, S.C. (WCIV) — Sullivan's Island For All wants to make sure people know not only the beauty of the Maritime Forest, but also how it protects the community.

Karen Byko, the president of Sullivan's Island For All, says the forest is more than just a home for wildlife.

Read more: Lowcountry law enforcement helps those in need at Seacoast Church

"The trees here are protecting us, so we need to protect them," she said. "The Maritime Forest provides a vegetative wall between the ocean and the homeowners, so that as storm surge comes in from the ocean, they provide that wall to protect us from that water. It's critically important that we preserve these trees to protect the island from that kind of destructive erosion."

Byko says there are some threats to this forest, such as the illegal cutting of the trees.

"We have people frequently who come out here and cut into public land trust, trees, and vegetation they do not own and they don't have a right to do," she said. "This land is protected for all of us to be able to enjoy."

According to Byko, everyone should care about this issue. She advocates for the protection of these 195 acres.

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Sullivan's Island For All wants to make sure people know not only the beauty of the Maritime Forest, but also how it protects the community. (WCIV)

"We live in a world where we know the effects of climate change are accelerating," Byko said. "We know these types of habitats are increasingly being destroyed and eroded. I just encourage everybody to come out here and know why we are fighting so hard to try to save this."

Byko also mentioned this forest is one of the last of its kind.

"There are very few places we can go to anymore that we can be in a wild space like this and be able to just enjoy it," Byko said. "If you look at maritime forests, you'll find there are very few that are left along the entire East Coast of the United States. This is one of the last few remaining Maritime Forests in the United States that's easily accessible to anybody."

"Anybody in Charleston can get in their car, drive over here, find a parking space, and enjoy the Maritime Forest," she said.

Letters: Private club is wrong for Sullivan's Island neighborhood

I have lived on Sullivan’s Island since 1997.In a recent article about an exclusive club being proposed for the island, developer Shep Davis said, “The property operated as a private club for close to a century without being open to Island residents.”This is not true.When SCE&G owned the ...

I have lived on Sullivan’s Island since 1997.

In a recent article about an exclusive club being proposed for the island, developer Shep Davis said, “The property operated as a private club for close to a century without being open to Island residents.”

This is not true.

When SCE&G owned the Sand Dunes Club, island residents were allowed to buy passes to use the swimming pool for a very nominal fee.

The Sullivan’s Island Park Foundation held its annual fundraiser at the club. Innumerable residents used it for weddings, graduation parties, family reunions as well as bat and bar mitzvah parties.

The developers are requesting that Town Council change the zoning ordinances to allow for commercial use in a residential neighborhood.

This is a very slippery slope and a path Town Council must not take.

Single-family residential zoning has always been sacred on Sullivan’s Island, and separation between commercial and residential neighborhoods has always been maintained.

This is one of the things that makes our island special.

If an exclusive private club in the middle of a residential neighborhood is allowed on Sullivan’s Island, it could tear an irreparable hole in the fabric of our community.

PAT VOTAVA

Sullivan’s Island

Thanks for the recent, important editorial urging the S.C. Department of Transportation to improve safety conditions on King Street for people with wheels and pedestrians.

Speaking as a downtown resident without a car or bike, however, I am also concerned about the hazards of walking on Charleston’s many broken sidewalks.

I recently was dismayed to watch a young man in a wheelchair struggle to get past the broken sidewalk at 41 George St. near the College of Charleston. (I offered a push, but he declined and likely was embarrassed).

My husband fell a short time ago while trying to walk on the protruding and missing red bricks outside the college.

There are broken sidewalk pieces, and some sidewalks end in the middle of the block.

Is there any reason to allow safety cones to decorate a hole in the sidewalk for months at the corner of Meeting Street and Wragg Square?

Three months ago, I sent a list with photos of broken or unfinished sidewalks to the city authorities.

Two sites were fixed immediately on Calhoun Street in front of Gaillard Center (this was during Spoleto season), but most of the rest remain hazardous.

SHARON FRATEPIETRO

Charleston

Solomon Stevens’ commentary of July 30 said we have to resist the temptation to try to make our schools an extension of the moral or religious orientation of our homes. He wrote schools were never intended to be that and should not be that.

Yale University was founded as a Christian educational institution. In the book, “Sex and God at Yale,” author Nathan Harden chronicles the efforts of a secular president to replace that religious orientation with one based on raw secularism.

Among other things, he brought to the campus a lecturer who produced pornographic movies and claimed to have had sex with scores of women.

Things got so out of hand, the president was fired.

My point is that if Christians are not militant — in a nonviolent way — about what is being taught in schools, people who despise them and their beliefs will rush in to fill that vacuum.

When Thomas Jefferson wrote for “separation of church and state,” he did not write for separation of Christianity and state.

Mr. Stevens wrote our children need to learn how to think critically. That includes weighing and balancing competing arguments.

I agree. They need to balance 400 years of Christian teaching in this country with what has taken place in the non-Christian countries of the world.

Would we be better off today if our forefathers had embraced their religions and philosophies? Of course not.

I believe all public schools should teach the fundamental concepts of Christianity in order to provide the students with a basic understanding of the premise behind the many movements that have sharped our country.

Whether it was abolition, labor, civil rights or other movements, Christian principles have played a profound role.

Only after students understand this can they make intelligent judgments about competing arguments and how to confront complexities of the world around them.

GARY H. KNIGHT

Holly Hill

To submit a letter to the editor, send an email to letters@postandcourier.com or fill out the form on our online portal.

Letters can be a maximum of 250 words and are subject to editing for clarity, tone and libel. They must carry the writer’s name and address for publication and a daytime telephone number for verification.

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SCE&G's former seaside worker perk eyed for $30M-plus social club on Sullivan's Island

SULLIVAN'S ISLAND — A newly formed development group plans to invest more than $30 million to acquire and renovate a 90-year-old, vacant private oceanfront club on this seaside enclave.But elected officials want more details before signing off on allowing a commercial project in a residential area.Sulli...

SULLIVAN'S ISLAND — A newly formed development group plans to invest more than $30 million to acquire and renovate a 90-year-old, vacant private oceanfront club on this seaside enclave.

But elected officials want more details before signing off on allowing a commercial project in a residential area.

Sullivan's Island Bathing Co. is asking the town to allow a members-only social venture called the Ocean Club at 1735 Atlantic Ave. as a conditional use in an area zoned for single-family homes.

Shep Davis, the development firm's managing partner, pointed out last week that the property operated as a private club for close to a century without being open to island residents.

Under this latest proposal, they'll have that option for the first time — at a cost of a $60,000 sign-up fee and an estimated $500 in monthly dues.

The property had been known for decades as the Sand Dunes Club. It was a private beachside retreat for employees of the former South Carolina Electric & Gas Co., which Dominion Energy acquired in early 2019 after the V.C. Summer nuclear plant debacle 18 months earlier.

The Richmond, Va.-based utility closed the property at the onset of the COVID-19 pandemic in early 2020, and it never reopened, according to attorney Brian Hellman, a Sullivan's resident who is representing the development group.

Built in 1933 for $14,000, the then 5,400-square-foot structure was called Jasper Hall, an officer's club for military personnel stationed at nearby Fort Moultrie. SCE&G acquired it in the 1950s and expanded it over the years to just under 10,000 square feet.

Davis said the property has not been properly kept up for several years and is in disrepair.

One neighbor recently complained of the uncovered pool starting to smell and becoming a breeding ground for mosquitoes. Hellman and Davis said the pool is being maintained.

$30 million-plus

Davis estimated it will take an investment of "in excess of $30 million" for his group to buy the property, overhaul the building and amenities and place a stormwater retention pond underground. Retrofitting the pool alone, he said could cost half a million dollars.

Real Estate

Improvement plans include offering separate pools for families and adults, upgrading the existing building and landscaping the parking area. The developers also would add a fitness center, dining terrace and gazebo along with a new entry area off a beach access path.

"We can preserve the building and re-create the club for its historical use," Davis said.

Hellman said the current proposal comes after gathering input during several meetings with residents and town leaders over the past few months.

He said the private-membership venue will provide a place for homeowners to eat and exercise without having to drive off the island or jockey for tables with tourists at the restaurants in the town's small business district.

"It will be a gathering place to socialize that won't compete with beachgoers," Hellman said. "Dining will not be open to the general public and will reduce the need for residents to leave the island."

The 3.5-acre club site is owned by a company affiliated with Charleston real estate investor John Derbyshire, the former owner of the chain of Money Man Pawn shops. The firm paid Dominion $16.2 million for the property in 2022, according to Charleston County land records.

A large house is being built for Derbyshire, who plans to remain a partner in the project, on part of the property next to the club, according to Hellman.

Members matters

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The developer said the goal is that the Ocean Club will be open to all Sullivan's residents who want to join. Davis estimated the venture will need at least 400 members to get the project off the ground.

The proposed Ocean Club would give priority to individuals and families who primarily reside on the island, said Jim Wanless, one of the partners. Off-island residents could join, too.

Real Estate

The proposed parking rules to allow a social club in a residential area require at least one parking space for every 10 memberships whose primary or secondary residences are within 2½ miles. Sixty percent of those spaces must be designated for golf carts and low-speed vehicles.

For members living outside the 2½-mile range, which is basically anyone who doesn't live on Sullivan's, one vehicle parking space would be required for every five memberships.

The rules also would require one bicycle space — through a rack or corral — for every 20 memberships.

"For whatever the number will be of those living off the island, they most certainly would come by car," Davis said. "On-island residents would have much less need for parking" since they'd have the option to come by golf cart, bike or foot.

Tentative plans call for 50 car parking spaces, at least an equal number of golf cart spaces and "adequate" bicycle parking spaces, Hellman said.

Though the membership will be open to all island residents, the developers don't expect everyone to join. They also have not set a cap on membership.

"We are trying to come up with the right number of members for the club without excluding property owners," Davis said.

Talking to the town

During a public workshop last week, where a standing-room-only crowd spilled into the hallway, the developers addressed a list of written questions from elected officials, including the benefit to the town if the club is allowed.

Davis said, under the current zoning, the property could be sold for residential development that would allow three to five homes that could be taxed at the 4 percent rate if they are primary residences. If the club use is allowed, the developers will pay the 6 percent commercial property tax as well as licensing and permit fees.

Real Estate

The developers also said they won't allow corporate memberships or agreements with hotels to provide dining or other services. In addition, no reciprocal-use deals with other private clubs are planned.

The projected hours of operation are 6 a.m. to 10 p.m. Sunday through Thursday for interior services, with the earliest morning hours set aside for fitness activities. The club would be open until midnight on Friday and Saturday. Outdoor activities would be allowed 6 a.m. to 10 p.m. each day except until 11 p.m. Friday and Saturday.

Some island residents see the idea as another amenity for Sullivan's while others are concerned about increased traffic and noise a club would bring to a residential area.

In letters to the town, supporters pointed to the property's long history as a site for dining, fitness, sports, recreation and cultural, educational and social events. They said those uses should continue to be allowed.

Others said they're against the rezoning to allow a restaurant or for it to become a for-profit entity.

Town Council is expected to discuss the issue further and take public input during its meeting Aug. 15. Mayor Patrick O'Neil cautioned the developers not to expect a quick decision.

"This council proceeds pretty deliberately," he said.

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Reach Warren L. Wise at wwise@postandcourier.com. Follow him on Twitter @warrenlancewise.

Girlfriend of drowning victim honors his memory: 'He was a hero'

SULLIVAN'S ISLAND, SC (WCIV) — A young man is being called a hero.The Charleston County Coroner reported that 23-year-old Elijah Giddiens drowned off Sullivan's Island last weekend. In an exclusive interview with News 4, Giddiens' girlfriend, Angelika Rusin, explains that the heroic effort in an attempt to save others is a testament to his character."He was extremely selfless, very smart, the smartest person I’ve ever met in my entire life, super ambitious, very loving," Rusin said.Giddiens was self...

SULLIVAN'S ISLAND, SC (WCIV) — A young man is being called a hero.

The Charleston County Coroner reported that 23-year-old Elijah Giddiens drowned off Sullivan's Island last weekend. In an exclusive interview with News 4, Giddiens' girlfriend, Angelika Rusin, explains that the heroic effort in an attempt to save others is a testament to his character.

"He was extremely selfless, very smart, the smartest person I’ve ever met in my entire life, super ambitious, very loving," Rusin said.

Giddiens was selfless. And that is what Rusin remembers most.

"He had a dream about buying a house and having a family," she said. "He wanted a big family, and he was a big family person."

She said they went to Sullivan's Island last Saturday for a relaxing day at the beach.

"Eli and I loved being in the water," Rusin said. "We could be in the water for hours just goofing around and having fun, and that’s what we were doing."

That time in the ocean quickly turned into a nightmare.

"We were in the water, and we heard a girl scream for help," Rusin said. "She wasn’t really far from us. She was literally right there. We both didn’t hesitate, and I went to help her, and he followed me. She got really dizzy and couldn’t move, so I told her to grab my waist, and he was right beside us.

"When I took her out to the shallow area, where she was good to start walking out the water, I turned around, and he was still there."

That's when she said Elijah went underwater.

"I heard him scream for help twice," she said. "There was a guy with a board, so I grabbed the board for him, and I tried to come back for Elijah. But after he screamed for help twice, he disappeared underwater, and the current took him. Eli was a good swimmer, and he was very smart, like I said. He would have never put him at risk, put his life at risk or my life at risk or anybody’s life at risk.

"He wanted to help as many people as he could. And he would never ask for help. That’s what I wish for every single day that he would have just said something to me that he couldn’t swim or he was struggling or just something so that I could help him too."

Giddiens' body was recovered Monday. Now, Rusin is trying to hold on to the good times and his smile that brightened her days.

"Everything I do from now on is for him. He was a hero. Not even just in that situation, but in his life he was a hero. He cared about everybody around him."

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