Préstamo VA en Isle of Palms, SC

Los préstamos VA se establecieron antes del final de la Segunda Guerra Mundial y desde entonces han ayudado a numerosos veteranos, miembros del servicio y familias de militares a cumplir su sueño de ser propietarios de una casa. En los últimos tiempos, el programa se ha vuelto cada vez más importante, ya que el volumen de préstamos del VA se ha disparado y ofrece importantes ventajas financieras que permiten a innumerables veteranos comprar viviendas, lo que hace que la propiedad de vivienda sea una posibilidad para aquellos que de otro modo no habrían calificado.

Si sacrificó la comodidad y la seguridad para ayudar a proteger nuestra gran nación, Mission One Mortgage le agradece su servicio. Creemos que no hay mayor honor que servir a quienes han servido a nuestro país. No tenemos miedo de hacer todo lo posible por nuestros veteranos porque eso es exactamente lo que ellos hicieron por nosotros.

¿Qué es un Préstamo VA en Isle of Palms, SC?

Un préstamo VA es una opción hipotecaria respaldada por el gobierno y disponible para veteranos, miembros del servicio y cónyuges sobrevivientes. Lo ofrecen prestamistas privados como bancos y compañías hipotecarias y no directamente el Departamento de Asuntos de Veteranos.

Los préstamos hipotecarios del VA tienen tasas de interés y términos competitivos y se pueden utilizar para comprar una variedad de propiedades, incluidas:

  • Viviendas unifamiliares
  • Condominios
  • Propiedades de unidades múltiples
  • Casas prefabricadas
  • Casas de Nueva Construcción

Uno de los grandes beneficios de los préstamos VA es que los veteranos elegibles pueden comprar una casa sin pago inicial, sin seguro hipotecario, requisitos crediticios indulgentes y las tasas fijas promedio más bajas del mercado.

Va Mortgages Isle Of Palms, SC

Este programa fue creado por el gobierno federal para facilitar que aquellos que han servido a nuestro país se conviertan en propietarios de viviendas, y es ampliamente considerado el programa de beneficios más sólido disponible para este propósito.

Cuáles son los más grandes Beneficios de tener un préstamo VA en Isle of Palms, SC?

En Mission One Mortgage, trabajamos con muchos veteranos que saben que existen préstamos VA pero no comprenden toda la gama de beneficios que brindan. Si esto te suena familiar, sigue leyendo. Esta sección fue escrita especialmente para usted.

01

Beneficio:

No se necesita pago inicial

Uno de los beneficios más destacados del programa de préstamos VA es que los prestatarios calificados pueden comprar una casa sin tener que hacer un pago inicial hasta el límite del préstamo conforme de su condado. Esta es una ventaja significativa sobre los préstamos convencionales y de la FHA, que normalmente requieren pagos iniciales mínimos del 5 por ciento y el 3,5 por ciento, respectivamente.

Por ejemplo, en una hipoteca de $400,000, un préstamo convencional requeriría un pago inicial de $20,000, mientras que un préstamo de la FHA requeriría $14,000. Ahorrar esa cantidad de dinero en efectivo puede llevar años a los miembros del servicio y a los veteranos, pero con el préstamo VA, pueden adquirir una vivienda sin tener que raspar y acumular durante años.

03

Beneficio:

Requisitos crediticios menos estrictos

Es importante que los compradores militares se mantengan informados sobre los requisitos de puntaje crediticio al considerar opciones de financiamiento de vivienda. Aunque los requisitos de calificación crediticia se han suavizado un poco, todavía es necesario cumplir con ciertos puntos de referencia establecidos por los prestamistas convencionales y la FHA. Sin embargo, incluso alcanzar estos puntos de referencia puede ser un desafío para muchos compradores.

La mayoría de los prestamistas del VA exigen un puntaje crediticio de al menos 620, que se encuentra en el rango de puntaje crediticio "justo" de FICO. Los prestatarios normalmente necesitarán alcanzar un umbral más alto para las hipotecas convencionales, particularmente si quieren asegurar una tasa de interés baja. Vale la pena consultar las tasas de préstamos VA para obtener más información sobre las opciones de financiamiento.

A pesar de los conceptos erróneos comunes, los compradores militares no necesitan un puntaje crediticio perfecto para obtener financiamiento. Si bien un puntaje crediticio más alto ciertamente puede ayudar, es importante recordar que los préstamos VA en Isle of Palms, SC están diseñados para ayudar a los militares y veteranos a acceder a viviendas asequibles.

05

Beneficio:

Ayuda con los costos de cierre

Los costos de cierre son una parte inevitable del proceso de compra de una vivienda, sin importar el tipo de producto hipotecario que elija. Sin embargo, si es un veterano, le complacerá saber que el VA impone límites a las tarifas y costos que debe pagar en el momento del cierre. Además, los compradores de vivienda tienen la opción de pedir a los vendedores que cubran todos los costos de cierre relacionados con el préstamo, así como hasta el 4 por ciento del precio de compra para otros gastos como impuestos pagados por adelantado, seguros y cobros.

02

Beneficio:

No es necesario un seguro hipotecario privado

Conseguir un pago inicial puede ser un desafío tanto para los compradores de viviendas convencionales como para los de la FHA. Además, deben pagar un seguro hipotecario a menos que puedan realizar un pago inicial considerable, normalmente el 20% del precio de compra. Por ejemplo, en una hipoteca de $400,000, esto sería la asombrosa cantidad de $80,000 en efectivo.

Los préstamos de la FHA conllevan una prima de seguro hipotecario inicial y un seguro hipotecario anual. Este último ahora dura toda la vida del préstamo. Por otro lado, los compradores de viviendas convencionales pagarán este costo mensual hasta que hayan acumulado suficiente capital, lo que puede llevar varios años.

Afortunadamente, los préstamos VA no requieren ningún seguro hipotecario. Sin embargo, existe una tarifa de financiación obligatoria que va directamente al Departamento de Asuntos de Veteranos. Los prestatarios con una discapacidad relacionada con el servicio están exentos de pagar esta tarifa, lo que ayuda a mantener el programa en marcha para las generaciones futuras.

04

Beneficio:

Quiebra y ejecución hipotecaria

Si ha experimentado un revés financiero, como una ejecución hipotecaria, una venta corta o una quiebra, es posible que le preocupen sus posibilidades de obtener un préstamo hipotecario del VA. Sin embargo, no pierdas la esperanza todavía. Con los préstamos VA, aún es posible ser elegible para un préstamo hipotecario solo dos años después de una ejecución hipotecaria, venta corta o quiebra. En algunos casos, los veteranos que se acogen al Capítulo 13 de protección por quiebra pueden ser elegibles para un préstamo del VA apenas un año después de la fecha de presentación.

Vale la pena señalar que los períodos de espera para el financiamiento convencional o de la FHA pueden ser significativamente más largos que los de los préstamos VA. Además, incluso si ha perdido una hipoteca respaldada por el VA debido a una ejecución hipotecaria, aún puede ser elegible para otro préstamo del VA.

Entonces, si es un veterano que ha experimentado un revés financiero pero aún sueña con ser propietario de una casa, no pierda la esperanza. Explore sus opciones y vea si un préstamo VA con Mission One Mortgage podría ser la solución que necesita.

06

Beneficio:

Flexibilidad de la relación DTI

Es importante tener en cuenta que los prestamistas del VA normalmente prefieren que los prestatarios gasten no más del 41 por ciento de sus ingresos mensuales brutos en deudas importantes, como pagos de hipotecas o préstamos estudiantiles. Sin embargo, es posible obtener un préstamo hipotecario del VA incluso si tiene un índice DTI más alto. Algunos prestamistas pueden ofrecer hasta un 55 por ciento o más, según su puntaje crediticio y su capacidad para cumplir con requisitos de ingresos adicionales. Esto puede brindar a los compradores de viviendas más flexibilidad y mayor poder adquisitivo a la hora de encontrar la casa de sus sueños.

Recordar - Si tiene alguna pregunta sobre los beneficios que acaba de leer, como qué puntaje crediticio requiere Mission One Mortgage para un préstamo VA, comuníquese con nuestra oficina hoy. Sería un placer ayudarlo a navegar el proceso de préstamo VA, paso a paso.

Cómo determinar Su elegibilidad para préstamos VA

Una de las preguntas más comunes que recibimos en Mission One Mortgage gira en torno a la elegibilidad para préstamos VA. ¿Quién es realmente elegible para este tipo de préstamo? ¿Cuáles son los requisitos para obtener un préstamo VA? Si cumple con los siguientes requisitos, es probable que sea elegible para un préstamo VA.

  • Si ha completado 90 días de servicio en tiempos de guerra o 181 días de servicio en tiempos de paz, puede calificar como miembro militar en servicio activo o veterano.
  • Si ha servido en la Guardia Nacional o la Reserva durante un mínimo de seis años, o ha completado 90 días de servicio activo bajo las órdenes del Título 32, siendo al menos 30 de ellos consecutivos, puede ser elegible para un préstamo VA en Isle of Palms, SC.
  • Si su cónyuge era un miembro del servicio que falleció mientras estaba en servicio activo o debido a una discapacidad relacionada con el servicio, y no se ha vuelto a casar, puede ser elegible para un préstamo VA. En algunos casos, los cónyuges sobrevivientes que se volvieron a casar después de los 57 años y después del 16 de diciembre de 2003 también pueden ser elegibles. Los cónyuges de prisioneros de guerra o miembros del servicio desaparecidos en combate también pueden ser elegibles para préstamos VA.
  • Cumple con los requisitos necesarios de crédito e ingresos para ser elegible para un préstamo VA. Es importante tener en cuenta que, si bien el VA no establece un puntaje crediticio mínimo para los préstamos del VA, los prestamistas individuales pueden tener sus propios estándares. Además del crédito, su prestamista también evaluará sus ingresos y deudas para evaluar su capacidad de pagar la hipoteca.
  • La propiedad que está interesado en comprar cumple con los estándares de seguridad y códigos de construcción necesarios. También vale la pena mencionar que en la mayoría de los casos, el prestatario debe hacer de la residencia su hogar principal dentro de los 60 días posteriores a la compra. Sin embargo, existen determinadas circunstancias en las que este plazo puede ampliarse hasta los 12 meses.
HomeReady Mortgages Isle Of Palms, SC

Siga estos 5 pasos para Comience el proceso de préstamo hipotecario de VA

¿Tiene curiosidad por cuáles son los pasos generales para comprar una casa con un préstamo VA? No estás solo. Continúe leyendo para tener una idea de lo que debe hacer para disfrutar de los maravillosos beneficios de ser propietario de una vivienda.

Home Ready Mortgages Isle Of Palms, SC

Al solicitar un beneficio de préstamo hipotecario del VA, el Certificado de Elegibilidad (COE) es un documento importante que verifica su elegibilidad ante su prestamista. Si ya ha utilizado su beneficio de préstamo VA en el pasado, un COE actual puede ayudarle a determinar cuánto derecho le queda. Además, puede garantizar que se haya restablecido su derecho a préstamos anteriores respaldados por el VA que se pagaron en su totalidad.

Después de haber solicitado su COE, es una buena idea examinar sus finanzas. Estamos hablando de elementos como ingresos, gastos, perfil crediticio y su presupuesto mensual. De esa manera, estará seguro de que está listo para comprar una casa.

Como veterano, tiene la opción de acudir a un banco, una cooperativa de crédito o una compañía hipotecaria privada de VA como Mission One Mortgage. La mayoría de los prestamistas tendrán diferentes tasas de interés y tarifas de préstamo, por lo que es importante comparar precios. Recuerde: Mission One se especializa en préstamos VA en Isle of Palms, SC. Otros prestamistas, como grandes corporaciones y bancos, a menudo no pueden igualar la experiencia y la atención al detalle que Mission One brinda a los veteranos.

Durante esta fase, es una buena idea reunirse con una variedad de profesionales inmobiliarios. Intente elegir un agente que tenga experiencia en procesar y supervisar préstamos VA. Una vez que seleccione un agente, puede llevar la carta de aprobación previa de su prestamista a su oficina y comenzar a comprar.

Esta es la mejor parte del proceso de préstamo VA, además de recibir las llaves de su nuevo hogar. Cuando busque una casa, recuerde buscar casas dentro de su rango de precio y presupuesto. Confíe en su agente de bienes raíces, amigos y familiares para obtener ayuda en su búsqueda.

Un consejo de Mission One Mortgage

Si está pensando en comprar una casa, es importante sopesar los pros y los contras de ser propietario de una vivienda. Si bien el alquiler puede brindar flexibilidad y menos responsabilidad por el mantenimiento, conlleva el riesgo de aumentos en el alquiler, posibles ventas de propiedades e incertidumbre sobre los reembolsos de los depósitos de seguridad.

Por otro lado, ser propietario de una casa puede ofrecer pagos hipotecarios relativamente estables y una oportunidad de generar riqueza a largo plazo para usted y su familia. Antes de tomar una decisión, es fundamental determinar sus prioridades, como su presupuesto mensual para pagos de hipoteca y otros gastos como transporte y cuidado de niños. En última instancia, sólo usted puede determinar qué es lo mejor para sus necesidades financieras y de vivienda.

What Clients Say About Us

La clave para ser propietario de una vivienda Comienza con un préstamo VA en Isle of Palms, SC

En Mission One Mortgage, nos enorgullecemos de simplificar el proceso hipotecario y garantizar que nuestros clientes experimenten el mínimo estrés. Entendemos que navegar por el mundo de las hipotecas puede ser desalentador, por lo que nos comprometemos a hacerlo lo más sencillo posible.

Al elegir trabajar con nosotros, no solo está contratando un agente hipotecario, sino que está seleccionando un socio que se dedica a su bienestar financiero y a ayudarlo a lograr su sueño de ser propietario de una vivienda. Trabajando juntos, podemos avanzar en el proceso de préstamo VA paso a paso.

Esto es válido para todos nuestros clientes, pero especialmente para los veteranos estadounidenses a quienes servimos. De hecho, nos especializamos en hipotecas VA y estamos orgullosos de ofrecerlas a los veteranos estadounidenses, a los que están en servicio activo y a sus cónyuges. Los préstamos VA son una de las mejores hipotecas disponibles, no ofrecen requisitos de pago inicial ni PMI y algunas de las tasas y términos más favorables.

Si está listo para dar el siguiente gran paso en su vida y brindar estabilidad a su familia con un lugar al que llamar hogar, comuníquese con nuestra oficina hoy. Está más cerca del sueño de ser propietario de una vivienda de lo que piensa.

Want to know more?

Aclara tus dudas ¡Llámanos ahora! (843)822-5685

Latest News Near Me Isle of Palms, SC

Isle of Palms seawall can stay up, SC judge orders, as he reconsiders previous ruling

ISLE OF PALMS — Less than a month after an order was issued calling for a beachfront homeowner to tear down a seawall built behind his home, a judge says the wall can stay — for now.S.C. Administrative Law Chief Judge Ralph K. Anderson, III, rescinded his order on Nov. 10 which directed Isle of Palms homeowner Rom Reddy to remove the wall behind his ocean-facing home and tossed out $289,000 worth of fines he was issued by the Department of Environmental Services.The rescinded decision came shortly after Reddy, DES a...

ISLE OF PALMS — Less than a month after an order was issued calling for a beachfront homeowner to tear down a seawall built behind his home, a judge says the wall can stay — for now.

S.C. Administrative Law Chief Judge Ralph K. Anderson, III, rescinded his order on Nov. 10 which directed Isle of Palms homeowner Rom Reddy to remove the wall behind his ocean-facing home and tossed out $289,000 worth of fines he was issued by the Department of Environmental Services.

The rescinded decision came shortly after Reddy, DES and the Coastal Conservation League filed motions on Nov. 3 asking Anderson to reconsider his final order. Anderson’s reversal gives him more time to review the three motions.

“Judge Anderson has been very fair to me and my wife during trial and I believe he is committed to upholding the rule of law,” Reddy said in a statement to The Post and Courier on Nov. 11.

Reddy built the wall to protect his home from the extreme erosion the Isle of Palms has faced in recent years. He constructed the structure in what the state considers a critical area, a protected portion of the beach that requires permitting before any construction can occur. It was buried beneath sand.

The state had not issued any permits for the wall. Later, following a nor’easter in December 2023, the barrier was exposed. Environmental agents learned about the structure as Reddy was working to repair the damage caused by the storm.

The state, joined later by the Coastal Conservation League, took Reddy to court. The homeowner represented himself in the matter in May in a hearing that lasted several days.

Despite the Oct. 23 order to remove the wall, Reddy celebrated parts the final order when it was issued. He applauded the dismissal of the fines levied against him and his wife by the state, though hedged that it wasn’t a “complete vindication of private property rights.”

“There is still much work to be done,” he said in a statement last month.

The Coastal Conservation League and DES also felt positively about Anderson’s previous order calling for the removal of the wall.

“We certainly were pleased with his conclusions that the wall impacts public access and public property,” said Leslie Lenhardt, a South Carolina Environmental Law Project attorney representing the Coastal Conservation League. “We're glad that he ordered the submittal of a corrective action plan, as opposed to saying the wall can stay.”

Lenhardt added that certain aspects of the order were concerning to both CCL and DES, including the absence of timeframe for the wall’s removal, prompting both parties to file motions for reconsideration.

ELECTION RESULTS: Voters cast ballots in South Carolina local elections

CHARLESTON, S.C. (WCSC) - Polls closed at 7 p.m. Tuesday across South Carolina in local races that state election officials say have a direct impact on the day-to-day lives of people in the Lowcountry.Charleston County election leaders expect voter turnout to hover around 20 percent this year, with only municipal races on the ballot and no statewide or federal contests. Charleston County Board of Elections Executive Director Isaac Cramer said even though these races don’t attract the same attention as presidential elections, the...

CHARLESTON, S.C. (WCSC) - Polls closed at 7 p.m. Tuesday across South Carolina in local races that state election officials say have a direct impact on the day-to-day lives of people in the Lowcountry.

Charleston County election leaders expect voter turnout to hover around 20 percent this year, with only municipal races on the ballot and no statewide or federal contests. Charleston County Board of Elections Executive Director Isaac Cramer said even though these races don’t attract the same attention as presidential elections, they are still critical.

“Municipal elections just don’t have the same level of engagement,” Cramer said. “Although it’s not national headlines, they are local issues that affect each one of us in our day-to-day lives. Our goal is just to let people know that there’s an election, there’s time to do your research, look up the candidates, but know that today’s election does impact your day-to-day life.”

Cramer said the ballots across the county vary by city and district, with many positions up for grabs.

“Across Charleston County, we have many municipalities voting for mayor, for council, we have CPW, which is Commissioner for Public Works, we have watershed commissioners,” Cramer said. “So we’ll have a wide range of different things on the ballot, but for a lot of the city of Charleston this is very important. You won’t have council on your ballot unless you live in an even district. If you live in an odd district, you will only have CPW on your ballot.”

Click here for the Live 5 2025 Voter Guide.

Some of the key local elections include the mayors’ races in Mount Pleasant, Isle of Palms, Folly Beach, Sullivan’s Island, and Lincolnville. Several city and town council seats are also on the ballot in Charleston, Summerville, Goose Creek, and Moncks Corner, along with a special election for State House District 98. In total, dozens of municipal offices from water commissioners to council members are up for grabs across Charleston, Berkeley, and Dorchester counties.

Election officials say the quiet nature of local election years means most polling places are not expected to be crowded. The best time to avoid lines is typically early afternoon, avoiding lunch and evening rush hours.

More than 3.35 million people are registered to vote statewide. In the Tri-County area, Charleston County has 272,000 registered voters, Berkeley County has about 155,000, and Dorchester County has just under 105,000.

Greenville County has the most registered voters in the state with just under 341,000, while Allendale County has the fewest at about 4,000.

Voters heading to the polls today will need a photo ID, though it does not have to be a Real ID used for air travel. Those voting absentee must ensure their ballots are returned to the Charleston County Board of Voter Registration and Elections by 7 p.m.

Click here to verify your voter registration, get a sample ballot or find your voting location.

Absentee ballots must be returned to the Charleston County Board of Voter Registration and Elections by 7 p.m.

All polling locations offer accessible parking spots, doorways, railings and paths. Residents with disabilities may receive help during the voting process but must tell a poll manager if assistance is needed. Voters can choose anyone to help except their employer, an agent of their employer, or an officer or agent of their union.

Curbside voting is available for those with disabilities or voters 65 years or older. Poll managers monitor the area every 15 minutes to assist anyone who cannot stand in line.

Polls are open until 7 p.m.

SC court tells wealthy homeowner to tear out seawall at high-end beach house

A wealthy Isle of Palms man accused of having a seawall built illegally on the beach at his home must tear out the wall, a judge ruled Thursday in an order that supports the state’s right to protect beaches from encroaching development.Judge Ralph K. Anderson III said removal of Rom Reddy’s seawall “is warranted’’ under the state’s beach protection law.The ruling was seen as a victory for advocates of preserving state beaches for the public, but it was not a resounding affirmation of the S.C....

A wealthy Isle of Palms man accused of having a seawall built illegally on the beach at his home must tear out the wall, a judge ruled Thursday in an order that supports the state’s right to protect beaches from encroaching development.

Judge Ralph K. Anderson III said removal of Rom Reddy’s seawall “is warranted’’ under the state’s beach protection law.

The ruling was seen as a victory for advocates of preserving state beaches for the public, but it was not a resounding affirmation of the S.C. Department of Environmental Services’ efforts to fine people who break the law.

In his ruling, Anderson tossed out a whopping $289,000 fine against the Isle of Palms property owner, saying it was not warranted. The judge said Reddy made a good faith effort to protect his land, even though building a seawall on the beach hurts the public’s use and enjoyment of the shore.

At issue is whether the outspoken Reddy followed state law when contractors built a seawall in front of his house following bad weather and pounding surf that threatened his home. Reddy’s beach house is at the lower end of the Isle of Palms across an inlet from Sullivans Island in Charleston County.

While Reddy says he has a right to protect his property and did the work outside of state jurisdiction, coastal regulators say the seawall is in state jurisdiction and violates the state coastal management law that banned new seawalls in 1988. Reddy represented himself in a trial before Anderson five months ago.

The Reddy case, filled with accusations of government overreach, has simmered for several years, and its outcome could help guide South Carolina on how tightly it enforces the state’s decades-old beachfront management law. The law banned new seawalls on the beach more than 30 years ago because the structures can worsen beach erosion and block public access to the shore.

Anderson’s ruling drew praise from both the S.C. Department of Environmental Services and the S.C. Environmental Law Project, a non-profit legal service that supported state action against Reddy. Environment department officials were not made available for an interview but the agency issued a statement late Thursday afternoon.

“Judge Anderson’s October 23 ruling supports SC DES’s position that the Coastal Tidelands and Wetlands Act, as enacted by the General Assembly, prioritizes the protection of South Carolina’s coast for the benefit of all,’’’ according to the statement from SC DES spokeswoman Laura Renwick. “The ruling upholds the agency’s determination that this particular seawall must be removed.’’

Seawalls are a concern in South Carolina and other places because, while they protect valuable oceanfront homes and hotels, they worsen erosion when pounded by waves. That narrows the public beach, giving people less dry sand to walk and play on. Walls also can jut out so far that they block access for people walking down the seashore.

Amy Armstrong and Leslie Lenhardt, law project attorneys involved in the case, said they were disappointed the fine had been tossed out, but the key was upholding the right of the state to require Reddy to tear out the seawall. The ruling helps protect state beaches from further attempts to build erosion-worsening seawalls, Armstrong said.

They noted that Anderson’s order said the Reddy seawall had “accelerated erosion’’ of the beach at Isle of Palms. The ruling did not give a timeline for tearing out the wall, but said a plan must be developed to do so. The order is notable because South Carolina courts don’t often tell property owners to tear down illegal structures they’ve built. Reddy has said he may appeal the decision to a higher court.

Reddy declined to be interviewed. He sent a text to The State expressing satisfaction that the $289,000 fine was tossed out, but said the ruling did not go far enough. Reddy’s text said Anderson “vacated an unjust penalty against me and raised legitimate, long-overdue questions about the ability of state bureaucrats to impose their will on private property owners.

“There is still much work to be done, however, as the judge’s ruling is unfortunately not a full and complete vindication of private property rights — meaning those who do not have the means to defend themselves against the bureaucratic state remain in danger of its oppressive action,’’ Reddy’s text said, noting that “if citizens don’t stand up, if we don’t push back against this weaponized government, that is how tyranny takes root.’’

Anderson agreed that while Reddy was wrong to construct the seawall, he did not do so with “willful’ intent because the state had sent mixed messages on whether the construction was legal. State regulators dispute that.

Specifically, the case centered on whether seawalls can be constructed beyond state building restriction lines on the beach. The lines were set up in the late 1980s and have been used in an attempt to prevent building too far on to the shore. But in recent years, beaches have eroded landward of the building restriction lines — known as setbacks — and turned vegetated land that had not been regulated into sandy beach. In Reddy’s case, state officials argued the area where he built the seawall had become sandy beach subject to state jurisdiction.

Rising sea levels and more intense storms have exposed multiple places along the state’s coastline that regulators say are now jurisdictional, but were not in the past.

Anderson wrote that “the department has permitting authority since it could not otherwise protect the entirety of the coastal zone if it were unable to exercise regulatory authority over the beaches, irrespective of the location of the setback line.’’

The judge said Reddy must “submit a corrective action plan for the removal of the hard erosion control structure.’’

Reddy, who bought his house at Isle of Palms just over a decade ago, is an affluent businessman who owns several small newspapers in the Charleston area. He says he has a litany of experience in other fields. He has said he is an engineer and the one-time owner of an artificial turf company that sold the synthetic grass for 270 stadiums nationally one year.

An ardent supporter of President Donald Trump, Reddy has started a political action committee to help candidates who want to cut state regulations and reduce the size of government.

His disdain for the government has been evident throughout the heated seawall dispute. He’s accused regulators of targeting him and trying to limit his freedoms. At one point, he said the state was using Gestapo-like tactics, a reference to the sadistic Nazi military force of World War II. Anderson had refused to toss the case out, resulting in the trial.

This story has been updated with comments from Reddy, state regulators and environmentalists

SC Judge says Isle of Palms seawall must go, but dismisses $289K fine

ISLE OF PALMS — The controversial seawall built by a wealthy homeowner must be torn down, a judge ruled Oct. 23.The order came down from S.C. Administrative Law Court Chief Justice Ralph K. Anderson III. Anderson mandated that Rom and Renee Reddy remove the hard erosion control structure built behind their home near Isle of Palm’s Breach Inlet.Anderson wrote in his order that the wall has “accelerated erosion of the adjacent beach and, in doing so, adversely affected the public.”At the same time, ...

ISLE OF PALMS — The controversial seawall built by a wealthy homeowner must be torn down, a judge ruled Oct. 23.

The order came down from S.C. Administrative Law Court Chief Justice Ralph K. Anderson III. Anderson mandated that Rom and Renee Reddy remove the hard erosion control structure built behind their home near Isle of Palm’s Breach Inlet.

Anderson wrote in his order that the wall has “accelerated erosion of the adjacent beach and, in doing so, adversely affected the public.”

At the same time, the judge threw out the $289,000 civil penalties levied against the homeowners. Anderson ruled that the Reddys’ construction of the wall were done in a '“good faith effort” to protect their home from further erosion, and believed that the state Department of Environmental Services’ permitting authority did not apply to where the wall was located.

The Reddys’ home is situated on the south end of the island, an area that has experienced significant erosion in recent years. Rom Reddy contended that he built the wall to protect his multi-million dollar property from these impacts— and felt he was well within his rights to do so.

The state disagreed, issuing several stop-work orders in late 2023 and early 2024 to the homeowners as they repaired the structure from storm-related damage. The wall was in the beach’s critical area, state agents said, a protected portion of the coast that requires permitting for any construction to occur. Reddy had not obtained these permits from DES before beginning work on the wall, believing that the where the wall was built fell outside the agency’s permitting scope.

The state, joined later by the Coastal Conservation League, took the couple to court over the structure. Rom Reddy represented himself in the matter in May, going head-to-head with the state agency.

In a written statement, Reddy said the court vacated “an unjust penalty” and raised legitimate questions about state overreach.

“These are critical victories for the citizens of this state — and a clear sign that the days of environmental bureaucrats exercising unchecked power over the people are at an end,” he said.

Reddy will have 30 days to appeal the ruling.

“There is still much work to be done, however, as the judge's ruling is unfortunately not a full and complete vindication of private property rights,” Reddy said.

A DES spokesperson said the agency appreciated Anderson’s “meticulous review” of the case.

“Judge Anderson’s October 23 ruling supports SCDES’s position that the Coastal Tidelands and Wetlands Act, as enacted by the General Assembly, prioritizes the protection of South Carolina’s coast for the benefit of all. The ruling upholds the agency’s determination that this particular seawall must be removed,” the agency spokesperson said in a written statement.

Isle of Palms hosts open house on island mobility study to hear from residents

ISLE OF PALMS, S.C. (WCSC) - Leaders on the Isle of Palms heard from dozens of residents on its island mobility at an open house on Monday night.The city is partnering with the Berkeley-Charleston-Dorchester Council of Governments for an ongoing mobility study to evaluate existing bike and pedestrian infrastructure on the island. The study is designed to identify gaps and deficiencies that create safety, connectivity and maintenance concerns.“The purpose of the mobility study is to really help us identify areas of the isl...

ISLE OF PALMS, S.C. (WCSC) - Leaders on the Isle of Palms heard from dozens of residents on its island mobility at an open house on Monday night.

The city is partnering with the Berkeley-Charleston-Dorchester Council of Governments for an ongoing mobility study to evaluate existing bike and pedestrian infrastructure on the island. The study is designed to identify gaps and deficiencies that create safety, connectivity and maintenance concerns.

“The purpose of the mobility study is to really help us identify areas of the island that we can have that connectivity, so that we can get from point A to point B around the island, much more safely,” Isle of Palms Councilman Rusty Streetman says.

Officials say another goal of the study is to identify mobility needs and improvements for the Isle of Palms. As residents came to the open house, they heard more about the study, had the opportunity to ask questions and shared feedback to help shape the future of mobility on the island.

Mary Anne Chalmers, an Isle of Palms resident, says being able to interact with city officials in person helped her better understand what feedback they’re looking for. Her main concerns are walkability and signage.

“Since the population has grown in the area all around and there’s just way more people coming to the beach when you’re trying to walk around,” Chalmers says. “I walk my dogs on the beach and I walk them around in the town and sometimes you almost get hit crossing Palm Boulevard or on some of the streets.”

Potential projects to improve mobility include new sidewalks, protected bike lanes, improved wayfinding and signage, additional shade from trees and protection from weather, traffic calming, improved lighting and security and additional pedestrian amenities.

“My hope is between golf carts, bikes and mopeds, we will provide an easier way to traverse the island,” Isle of Palms Mayor Phillip Pounds says. “I think there’s interconnectivity and infrastructure that we can put up that would help folks get around.”

Reisdents who did not have the opportunity to attend the open house can fill out an online survey by Oct. 31. The survey asks questions about what modes of transit are most popular, what they are used for, future connectivity improvements residents would like for the city to prioritize and safety issues.

Streetman says it’s good to see so many Isle of Palms residents get involved with the study and hopes to continue to see that effort with the online survey.

“Our residents are concerned about the safety of the island and being able to get around much more effectively and efficiently,” Streetman says. “I think they’re very interested seeing improvements on the island, on the sidewalks, the streets, bike paths, areas like that so that we can have a better, safer environment for our residents and our visitors that come here also.”

Disclaimer:

This website publishes news articles that contain copyrighted material whose use has not been specifically authorized by the copyright owner. The non-commercial use of these news articles for the purposes of local news reporting constitutes "Fair Use" of the copyrighted materials as provided for in Section 107 of the US Copyright Law.
VA Loan Near Me

áreas de servicio