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Real Estate

Are you purchasing or selling real estate in the Hilton Head Island or Bluffton area? Give us a call so we can give you an in-depth review of the process here in the Low Country. We offer personalized service, communications, and insight based on our combined 30+ years of real estate experience.

In addition to traditional real estate closings, our firm works with residential and commercial clients and investors to reach their real estate goals.

South Carolina is an “attorney closing” state, which means you will need to be represented by an attorney who is licensed in South Carolina. Buyers and sellers appreciate our personalized approach to real estate transactions and our in-depth knowledge of Hilton Head Island real estate.

Whether you are buying or selling, refinancing, or exploring options, we look forward to assisting you with the process.


In real estate, a purchase agreement is a binding contract between a buyer and seller that outlines the details of a home sale transaction. The buyer will propose the conditions of the contract, including their offer price. The seller may accept, reject, or negotiate. There is also an important legal component when a property is transferred. A real estate purchase agreement will stipulate the conditions of the sale. Let us help you in your negotiations.


When selling your home, you usually have some form of a legal contract. This is very important because you and the purchaser will be bound by the terms of the contract once they are agreed to. There are many other provisions contained in a normal contract that need consideration. We may suggest changes to protect your interests, as well as to explain the remaining terms of the contract. Remember that the entire transaction is governed by the words contained in the contract. After the contract has been signed and accepted by the seller, very little can be done to change the terms of the agreement, unless both parties agree to such changes in writing.


A refinance is a process that involves you obtaining a new loan to pay off a current one. Usually, with a refinance loan, the goal is to have a better interest rate or better terms than the current loan. If structured properly, in a refinance you can get much of your gain out of your property without paying a penny in taxes. Let us help us.

Home Equity Line

A home equity line of credit, or HELOC, is a loan in which the lender agrees to lend a maximum amount within an agreed period, where the collateral is your equity in your home. You are borrowing against the value of a home decreased by your existing mortgage. A benefit to a HELOC is that the interest can be tax-deductible, just as with a primary mortgage. There are tax laws that place restrictions on this deduction. Let us review your options with you before you make this important decision.

For Sale by Owner

A For Sale by Owner means the homeowner chooses not to have a real estate agent represent them in the transaction. Choosing to do this means making sure all contacts, disclosures, and money handling are properly executed by both buyer and seller. There are legal documents required in the process of the sale. Remember, all states are different. It is important to have excellent legal representation during this process.

Cathy West Olivetti