Buy a home at a reasonable rate with a VA loan in Folly Beach, SC

VA loans were established prior to the end of World War II and have since assisted numerous veterans, service members, and military families in fulfilling their dream of owning their a home. In recent times, the program has become increasingly significant, with VA loan volume skyrocketing and offering substantial financial advantages that enable countless veterans to purchase homes, thereby making homeownership a possibility for those who may not have qualified otherwise.

If you sacrificed comfort and security to help protect our great nation, Mission One Mortgage thanks you for your service. We believe that there's no greater honor than to serve those who have served our country. We're not afraid to go above and beyond for our veterans because that's exactly what they did for us.

What is a VA Loan in Folly Beach, SC?

A VA loan is a mortgage option that is backed by the government and available to Veterans, service members, and surviving spouses. It is offered by private lenders such as banks and mortgage companies and not directly by the Department of Veterans Affairs.

VA home loans come with competitive interest rates and terms and can be used to purchase a variety of properties, including:

  • Single-Family Homes
  • Condominiums
  • Multi-Unit Properties
  • Manufactured Homes
  • New Construction Homes

One of the great benefits of VA loans is that eligible Veterans can buy a home with no down payment, no mortgage insurance, lenient credit requirements, and the lowest average fixed rates in the market.

Va Mortgages Folly Beach, SC

This program was created by the federal government to make it easier for those who have served our country to become homeowners, and it is widely considered the strongest benefit program available for this purpose.

What are the Biggest Benefits of Having a VA Loan in Folly Beach, SC?

At Mission One Mortgage, we work with many Veterans who know that VA loans exist but don't quite understand the full range of benefits they provide. If that sounds familiar, keep reading. This section was written especially for you.

01

Benefit:

No Down Payment Needed

One of the standout benefits of the VA Loan program is that qualified borrowers can purchase a home without having to make a down payment up to the conforming loan limit of their county. This is a significant advantage over conventional and FHA loans, which typically require minimum down payments of 5 percent and 3.5 percent, respectively.

For example, on a $400,000 mortgage, a conventional loan would require a $20,000 down payment, while an FHA loan would require $14,000. Saving up that kind of cash can take service members and veterans years, but with the VA Loan, they can pursue homeownership without having to scrape and stockpile for years on end.

03

Benefit:

Less Strict Credit Requirements

It's important for military buyers to stay informed about credit score requirements when considering home financing options. Although credit score requirements have eased up a bit, it's still necessary to meet certain benchmarks set by conventional and FHA lenders. However, even meeting these benchmarks can be a challenge for many buyers.

Most VA lenders require a credit score of at least 620, which falls in FICO's "Fair" credit score range. Borrowers will typically need to meet a higher threshold for conventional mortgages, particularly if they want to secure a low-interest rate. It's worth checking out VA Loan rates to learn more about financing options.

Despite common misconceptions, military buyers don't need a perfect credit score to obtain financing. While a higher credit score can certainly help, it's important to remember that VA loans in Folly Beach, SC are designed to help military members and veterans access affordable housing.

05

Benefit:

Help with Closing Costs

Closing costs are an inevitable part of the home-buying process, no matter what type of mortgage product you choose. However, if you're a veteran, you may be pleased to know that the VA places limits on the fees and costs you're required to pay at the time of closing. Additionally, homebuyers have the option to ask sellers to cover all loan-related closing costs, as well as up to 4 percent of the purchase price for other expenses like prepaid taxes, insurance, and collections.

02

Benefit:

No Need for Private Mortgage Insurance

Coming up with a down payment can be challenging for both conventional and FHA homebuyers. In addition, they are required to pay for mortgage insurance unless they can make a sizable down payment, usually 20% of the purchase price. For instance, on a $400,000 mortgage, this would be a staggering $80,000 in cash.

FHA loans carry an upfront mortgage insurance premium and annual mortgage insurance. The latter now lasts for the life of the loan. On the other hand, conventional homebuyers will pay this monthly cost until they have built up enough equity, which can take several years.

Fortunately, VA loans do not require any mortgage insurance. However, there is a mandatory funding fee that goes directly to the Department of Veterans Affairs. Borrowers with a service-connected disability are exempt from paying this fee, which helps keep the program going for future generations.

04

Benefit:

Bankruptcy and Foreclosure

If you've experienced a financial setback such as a foreclosure, short sale, or bankruptcy, you may be worried about your chances of securing a VA home loan. However, don't lose hope just yet. With VA loans, it's still possible to be eligible for a home loan just two years after a foreclosure, short sale, or bankruptcy. In some cases, veterans who file for Chapter 13 bankruptcy protection can be eligible for a VA loan just a year after the filing date.

It's worth noting that the waiting periods for conventional or FHA financing can be significantly longer than those for VA loans. Additionally, even if you've lost a VA-backed mortgage to foreclosure, you may still be eligible for another VA loan.

So, if you're a veteran who's experienced a financial setback but still dreams of owning a home, don't give up hope. Explore your options and see if a VA loan with Mission One Mortgage could be the solution you need.

06

Benefit:

DTI Ratio Flexibility

It's important to keep in mind that VA lenders typically prefer borrowers to spend no more than 41 percent of their gross monthly income on major debts, such as mortgage payments or student loans. However, it's possible to get a VA home loan even if you have a higher DTI ratio. Some lenders may offer up to 55 percent or more depending on your credit score and ability to meet additional income requirements. This can give homebuyers more flexibility and greater purchasing power when it comes to finding their dream home.

Remember - if you have any questions about the benefits you just read about - like what credit score Mission One Mortgage requires for a VA loan - contact our office today. It would be our pleasure to help you navigate the VA loan process, one step at a time.

How to Determine Your VA Loan Eligibility

One of the most common questions we get at Mission One Mortgage revolves around VA loan eligibility. Who is actually eligible for this type of loan? What are the requirements for getting a VA loan? If you meet the following requirements, chances are you'll be eligible for a VA loan.

  • If you have completed 90 days of service during wartime or 181 days of service during peacetime, you may qualify as an active-duty military member or veteran.
  • If you have served in the National Guard or Reserve for a minimum of six years, or have completed 90 days of active duty under Title 32 orders, with at least 30 of them being consecutive, you may be eligible for a VA loan in Folly Beach, SC.
  • If your spouse was a service member who passed away while on active duty or due to a service-connected disability, and you haven't remarried, you may be eligible for a VA loan. In some cases, surviving spouses who remarried after the age of 57 and after Dec. 16, 2003, may also be eligible. Spouses of prisoners of war or service members missing in action may also be eligible for VA loans, as well.
  • You meet the necessary requirements for credit and income to be eligible for a VA loan. It's important to note that while the VA doesn't set a minimum credit score for VA loans, individual lenders may have their own standards. In addition to credit, your lender will also evaluate your income and debts to assess your ability to repay the mortgage.
  • The property you're interested in purchasing complies with the necessary safety standards and building codes. It's also worth mentioning that in most cases, the borrower is required to make the residence their primary home within 60 days of purchase. However, there are certain circumstances in which this timeline can be extended up to 12 months.
 HomeReady Mortgages Folly Beach, SC

Follow These 5 Steps to Begin the VA Home Loan Process

Curious what the general steps are for purchasing a home with a VA loan? You're not alone. Keep reading to get a feel for what you have to do to enjoy the wonderful benefits of homeownership.

 Home Ready Mortgages Folly Beach, SC

When applying for a VA home loan benefit, the Certificate of Eligibility (COE) is an important document that verifies your eligibility to your lender. If you have already used your VA loan benefit in the past, a current COE can help you determine how much remaining entitlement you have. Additionally, it can ensure that your entitlement has been restored for previous VA-backed loans that were paid in full.

After you've applied for your COE, it's a good idea to examine your finances. We're talking about items such as income, expenses, credit profile, and your monthly budget. That way, you know for sure that you're ready to purchase a home.

As a veteran, you have the choice of going through a bank, credit union, or a private VA mortgage company like Mission One Mortgage. Most lenders will have different loan interest rates and fees, so it's important to shop around. Remember - Mission One specializes in VA loans in Folly Beach, SC. Other lenders, such as large corporations and banks, often can't match the expertise and attention to detail that Mission One provides to veterans.

During this phase, it's a good idea to meet with a range of real estate professionals. Try to choose an agent who has experience processing and overseeing VA loans. Once you select an agent, you can bring your lender's pre-approval letter to their office and begin shopping.

This is the best part of the VA loan process, other than getting the keys to your new home. When looking for a house, remember to look at homes within your price range and budget. Lean on your real estate agent, friends, and family for help in your search.

A Word of Advice from Mission One Mortgage

If you're thinking about buying a home, it's important to weigh the pros and cons of homeownership. While renting can provide flexibility and less responsibility for maintenance, it comes with the risk of rent increases, potential property sales, and uncertainty about security deposit refunds.

On the other hand, owning a home can offer relatively stable mortgage payments and an opportunity to build long-term wealth for you and your family. Before making a decision, it's crucial to determine your priorities, such as your monthly budget for mortgage payments and other expenses like transportation and childcare. Ultimately, only you can determine what's best for your housing and financial needs.

The Key to Homeownership Starts with a VA Loan in Folly Beach, SC

At Mission One Mortgage, we take immense pride in simplifying the mortgage process and ensuring that our clients experience minimal stress. We understand that navigating the world of mortgages can be daunting, which is why we are committed to making it as smooth as possible.

By choosing to work with us, you're not just getting a mortgage broker - you're selecting a partner who is devoted to your financial well-being and dedicated to helping you achieve your dream of homeownership. By working together, we can work through the VA loan process one step at a time.

That rings true for all of our clients, but especially the U.S. Veterans we serve. In fact, we specialize in VA mortgages and are proud to offer them to US Veterans, those on Active Duty, and their spouses. VA Loans are one of the best mortgages available, offering no down payment requirements, no PMI, and some of the most favorable rates and terms.

If you're ready to take the next big step in your life and provide stability for your family with a place to call home, contact our office today. You're closer to the dream of home ownership than you might think.

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A first-time guide to Kiawah Island and Charleston's barrier islands

If you thought Charleston and its cobblestoned, charming streets couldn’t get any better, we have some wonderful news – there are nearby beaches, too. Kiawah Island, Isle of Palms, Folly Beach and more are all wit...

If you thought Charleston and its cobblestoned, charming streets couldn’t get any better, we have some wonderful news – there are nearby beaches, too. Kiawah Island, Isle of Palms, Folly Beach and more are all within a 45-minute drive, each with its own personal Southern charm. If a dabble in marsh-draped, palmetto-swaying coastal luxury is on your Lowcountry bucket list, you can check it off with certainty.

The islands have their own quirks and delights to keep in mind depending on your needs. For example, Kiawah Island only has one publicly accessible beach, whereas Folly Island – home to Folly Beach – has nearly 50 public beach access points.

Beyond blissful white sands, there’s much more to the barrier island experience, from a pedestrian mall with open-air movie screenings to a county park where migratory shorebirds take a rest. To enjoy these experiences and learn how to plan a first-time trip through this coastal magic, here are some pointers.

When should I go?

Summer is the busiest season in the region, with warm ocean waters and packed beaches. The 4th of July sparkles, with the Folly Beach fireworks being a major draw and the temperatures linger in the 80s. Otherwise, book a fall trip for cooler temperatures – typically hovering in the mid-60s to mid-70s – smaller crowds and a chance to catch the pink Muhly grass in full bloom.

Wildlife fans should time their visit to align with the Loggerhead turtle nesting season (mid-May through October). The winter months are considered the low season with fewer crowds and cheaper hotel rates. With low temperatures in the 40s, you’ll need a wetsuit for an ocean swim or mangrove-dotted kayaking journey. The popular Kiawah Island Marathon – typically in December – is a great way to warm up.

Keep in mind that June through November is the Atlantic hurricane season. If you’re on a coastal journey, keep an eye on serious storms and, if necessary, move inland when advised.

How much time should I spend?

Book a long weekend – ideally four days – to explore each island. This will give you a full day and night in each of the area’s prized locales – Kiawah Island, Folly Beach and Isle of Palms. You’ll have enough time to stroll around Freshfields Village on Kiawah, take in a Saturday surf and yoga class with Shaka Surf School in Folly Beach, and capture a magical sunrise in Isle of Palms with its iconic 1000ft-long pier stretching into the water. Alternatively, choose one island and rent a house for a week to fully kick back and enjoy.

Is it easy to get around?

Whether arriving via plane or train (there is an Amtrak station within a mile of the airport), you’ll need a car to reach and navigate the barrier islands. While rideshare vehicles are readily available in Charleston, they can be tough to book once out at the barrier islands. There are no public transportation options connecting the islands or solely serving each one.

For bikers, Kiawah Island is the best bet. It boasts 30 miles of paved trails and rentals are readily available at trusted local shops like Island Bike & Surf and Seaside Cycles.

Top things to do

Just 20 minutes from the heart of Charleston, this is where the locals come to unwind. A popular activity is for folks to trade their stylish outfits for a wetsuit and ride some waves. Whether you’re a newbie or a regular, there are surf schools – like Shaka Surf School and Isla Surf School – with lessons, summer camps, equipment rentals and more. For the area’s best waves, head to a nook known as the Washout. Post-surf, hit the chilled and welcoming Lowlife bar for southern fare like a pimento cheese spread or perfectly crisped chicken and waffles.

Consider Kiawah Island golf paradise. If you can snag a tee time or lesson at the Ocean Course – which has hosted the PGA Championship in recent years – do it. On-site, grab lunch or dinner at the Atlantic Room, which is renowned for seafood catches with a seasonally-inspired flair. If golf isn’t your thing, Freshfields Village will keep you occupied for several hours. There are nearly three dozen shops and restaurants to peruse, with Islands Mercantile being the spot to pick up a KIAWAH-branded pastel shirt as a memento.

Thirty minutes east of Downtown Charleston, Isle of Palms County Park is the undeniable epicenter of the nearly five-sq-mile island. Within the oceanfront park, there is a rental stand for beach chairs and umbrellas if you'd like to relax and take in the dune-clad landscape.

The spot is primed for a picnic – snag some local fare, like pimento cheese and boiled peanuts – at any grocery store before you arrive. For a luxury al fresco experience, Picnic Charleston will curate an entire setup (advance booking is essential) complete with tablescapes, flowers, a seasonal charcuterie and more. While you’re dining, watch pelicans and egrets swirl by. And, if you’re lucky, perhaps you’ll see a friendly bottlenose dolphin diving through the waves.

Nestled on Wadmalaw Island – just a 35-minute drive northwest of Kiawah – is Charleston Tea Garden. A long, marshy country road culminates in this 127-acre operation. A couple of fun facts: it’s the only large-scale commercial tea farm in the entire North American continent and it is known for its signature American Classic Tea variety, which is a mild black tea variety originally brought from China in the 1700s. Make sure to pop in the gift shop for unlimited tastes of hot and cold teas, spanning green to peach-loaded varieties.

My favorite thing to do

Getting from A to B around these parts is half the fun. Whichever barrier island you land on, going from the historic architecture of Charleston, driving through eerie swampy terrain, and then arriving at a pristine beach is a truly multi-sensory experience. My favorite place to stroll is Kiawah Beachwalker Park – it’s less touristed, super-wide with hard-packed sand, and very dog-friendly. I like seeing all the friendly pups have their day at the beach, too.

How much money do I need?

While barrier island bliss could easily come with a hefty price tag, the region offers a nice balance of luxury and bargain options. As with any beach destination, load up on the essentials – sunscreen, snacks, water – before arrival or face inflated prices for last-minute convenience.

Know your culinary lingo

You’ll see some unique dishes popping up on menus around these parts. A Lowcountry boil often includes shrimp, sausage, corn and potatoes; she-crab soup is a creamy offering with a dash of sherry; and Gullah Geechee refers to the culture of once enslaved West Africans that were freed in the state and migrated to the barrier islands.

Don’t mess with the turtle nests

Come May through October, you’ll see roped-off spots on local beaches from time to time. It’s easy to be curious and want to dig in, particularly kids, but don’t. These areas are protected loggerhead nesting sites and disturbing them can come with very steep fines.

Charleston Is Magical, but Not for the Reasons People Think

Talk to anyone who knows and loves Charleston, and you’re likely to hear about how magical this place is—the dappled light streaming through the live oaks, the pods of dolphins leaping from the river, the succession of pink and white flowers through the seasons. All of these things are alive, because this city owes so much of its beauty to its unique environment. Here, we look at a few ways you can dig a little deeper into the local ecosystem and experience the Lowcountry’s natural wonders.Head to one of Sout...

Talk to anyone who knows and loves Charleston, and you’re likely to hear about how magical this place is—the dappled light streaming through the live oaks, the pods of dolphins leaping from the river, the succession of pink and white flowers through the seasons. All of these things are alive, because this city owes so much of its beauty to its unique environment. Here, we look at a few ways you can dig a little deeper into the local ecosystem and experience the Lowcountry’s natural wonders.

Head to one of South Carolina’s most beautiful beaches

Downtown Charleston sits at the confluence of two rivers—the Ashley and the Cooper—which then pour into the Atlantic Ocean. The metro area is also home to some of the Lowcountry’s finest beaches, in the towns of Folly Beach, Kiawah Island, Isle of Palms, and Sullivan’s Island (all less than an hour’s drive from downtown). Each has a distinct personality, ranging from quirky and lively (Folly) to pristine and preserved (Kiawah), and they’re all wonderful for swimming, fishing, and lounging on the sand. One in particular is worth the trip: Sullivan’s Island.

With streets marked as “stations”—a nod to the stops trolley cars once made as they carried beachgoers out to the neighboring Isle of Palms—Sullivan’s Island is an idyllic, old-school beach town unblemished by hotels and high rises. Instead, the community is dotted with boutiques, restaurants, cottage-style homes, and swoon-worthy yards. Every station provides an entryway to the shore, but Station 16 is the one to aim for, as it leads to the Sullivan’s Island Nature Trail. This 0.6-mile out-and-back route has 650 feet of boardwalk and a number of observation decks that offer opportunities to take in dunes and wetlands populated by various bird species, including ruddy turnstones, oystercatchers, and red knots. With the open sky above, greenery all around, and the sound of waves crashing in the distance, this spot is a slice of heaven that’s easily accessible for people of all ages and abilities.

Hunt for fossils around Charleston Harbor

Charleston is a historic city full of colonial artifacts, but it’s also home to signs of life going back a whopping 33 million years. If you’ve dreamt of being an archaeologist, Charleston’s got a surprise activity in store.

Naturalist Cade Kaufmann grew up kayaking in Charleston Harbor, searching for fossils and shark teeth along riverbanks, sand bars, and beaches. These childhood journeys sparked a lifelong interest for the Charleston Outdoor Adventures guide, who created the company’s Shark Tooth & Fossil Hunting Tour. The four-hour itinerary begins with a boat ride from Folly Beach to Morris Island, where Kaufmann teaches guests how to find and identify an incredible range of fossils during a hike of four to six miles.

“Charleston lies on top of soft, sedimentary fossil layers that suggest that the area was a shallow, warm bay,” Kaufmann explains. “These were not only ideal living conditions for prehistoric sharks, fish, sea turtles, dolphins, whales, manatees, and birds, but also ideal for the preservation of their remains. Over the years I’ve found teeth from mammoths and mastodon, giant shark teeth, huge whale vertebrae, Native American pottery and projectiles, and Civil War relics. Each find tells its own unique story of Charleston’s past.”

Looking to hunt for fossils on your own? Kaufmann advises going at low tide. “Try to find an area with deposits of rocks and shells, and start looking for fossilized teeth and bones,” he says. “And look for the most remote areas to avoid unwanted competition.”

Explore the Lowcountry’s marvelous marshland

Seasonal shifts are subtle along the balmy South Carolina coast, and locals know that the best place to spot the coming of fall is in the marshes, where the dazzling summer green of the tall spartina grass fades to an autumnal golden brown. The colorful flora is among the delights in the marshland surrounding Charleston, which both protects the Lowcountry from the worst impact of storms and also provides a welcoming environment for aquatic creatures, including dolphins, herons, and blue crabs.

The best way to explore this wondrous ecosystem is with the help of a professional outfitter. Coastal Expeditions offers a variety of guided tours, from kayaking and paddleboarding expeditions on Shem Creek (just across the Arthur Ravenel Jr. Bridge from downtown) to sunset eco-tours and stargazing in the Cape Romain National Wildlife Refuge. (The company also rents kayaks and paddleboards.) For its part, Charleston Outdoor Adventures leads the memorable Full Moon Kayak Tour, a two-hour adventure that departs from Bowens Island, traveling through the estuary as day gives way to moonlit night. If you’re more of an early riser, embark on Flipper Finders’ 9:30 a.m. Morning Kayak Tour to enjoy a two-hour paddle through the Folly River as the natural world wakes up around you.

Take a walk in the woods—and see a historic site

For a longer hike, there are plenty of parks within a 30-minute drive of downtown. To the west, along a scenic stretch of U.S. Route 17, is the Ravenel Caw Caw Interpretive Center. The land, which enslaved Africans once transformed from a cypress swamp into an intricate system of rice plantations, is now a wildlife preserve managed by Charleston County Parks & Recreation. It features more than six miles of trails, with elevated boardwalks and a bounty of wildlife: alligators, otters, swallow-tailed kites, bald eagles, and elusive birding bucket-list targets, such as the painted bunting and roseate spoonbill. In addition, the park is a historic site: It’s where the 1739 Stono Rebellion, the largest uprising of enslaved people in the British colonies before the American Revolution, began.

Aside from its historical significance, Caw Caw Interpretive Center park manager Dennis Burgart explains that what makes the site special is its mix of ecosystems. “We have upland forest, salt marsh, swamp, freshwater impoundments from former rice fields, and naturalized tea bushes mixed in,” he says. “Wildlife are drawn to these transition zones and thrive here. When people get past our front gate, they forget how close they are to civilization and are carried away into adventure.”

Another nearby option for adventure is Stono River County Park, an 85.5-acre green space at the foot of the Limehouse Bridge with a variety of highland and marshy landscapes, with 1.5 miles of wooded trails and boardwalks. North Charleston, meanwhile, is home to Wannamaker County Park, which sprawls across 1,015 acres of woodlands and wetlands, with 2.5 miles of nature trails, in addition to a disc golf course, a dog park, and picnic sites.

Ellen Schmedinghoff is a Rhode Island native who writes from her home in North Charleston, South Carolina.

Seawall permits on Folly Beach could be put on pause as city mulls new standards

FOLLY BEACH — City Council gave initial OK to a three-month moratorium on issuing seawall permits until updated construction standards are adopted.Establishing a 25-foot setback line for seawalls on Folly Beach is being considered. If approved, any new seawalls constructed would need such a buffer between the wall and the state baseline, which is determined by the proximity of the first line of...

FOLLY BEACH — City Council gave initial OK to a three-month moratorium on issuing seawall permits until updated construction standards are adopted.

Establishing a 25-foot setback line for seawalls on Folly Beach is being considered. If approved, any new seawalls constructed would need such a buffer between the wall and the state baseline, which is determined by the proximity of the first line of sand dunes.

Introducing a setback line would prolong the life of the beach between federal renourishment projects, like the one completed last summer, officials said during a council meeting Jan. 14.

City Council discussed the idea of establishing a setback in November but voted to send the item to the planning commission to hold a public hearing seeking input on the potential changes to local construction standards.

The baseline is set by the state Department of Environmental Services to mark where the agency's permitting authority begins. It is typically placed at the crest of the most seaward dune.

The state setback line is at least 20 feet landward of this line. By state law, seawalls and other erosion structures are prohibited between the setback and the baseline.

Folly Beach does not have a state setback line. The city allows for seawalls, bulkheads and revetments to be built behind the state baseline.

The oceanside community is exempt from portions of the state's Beachfront Management Act due to the construction of the Charleston Harbor jetties in the 19th century. The jetties block the flow of sand that should be accreting on the beach, which contributes to worsened erosion.

This exemption means the island does not have a state setback line where other beaches do, like the Isle of Palms.

Folly Beach currently allows for seawalls; bulkheads, a type of retaining wall; and revetments, which are sloping structures, to be built behind the state baseline, City Administrator Aaron Pope said. These structures are physical measures to stop or slow beach erosion.

"There is no uniform distance for the seawall to be setback, but it has to be far enough back the entire revetment is behind line. The rocks themselves have to be placed at a certain slope, so the higher the wall the farther back the wall will need to be to allow proper placement of rocks," Pope said.

Creating a 25-foot setback is a recommendation that comes from the city's 2024 update of its Dune Management Plan, a guiding document that aims to restore and preserve the island's dune system.

Between periods of beach renourishment, federal projects completed by the U.S. Army Corps of Engineers, the beach erodes and can expose revetments, which can impact public access to the beach and encroaching past the state baseline.

"When exposed revetments move onto the public beach they can obstruct public access during high tide, when people are forced to walk farther from the ocean because there is no dry sand and they have nowhere to go but over the rocks," Pope said.

The 25-foot setback would reduce the number of potential encroachments while allowing homeowners to continue to construct seawalls. The moratorium will prevent any walls or revetments from being built too close to the baseline and later have to be moved or rebuilt, Councilman D.J. Rich said.

"We've had rocks and people's riprap ending up on the public beach, and the Army Corps has to move all that off," Rich said. "We don't want anybody building now and then encroaching on there, then they just have to move it later on."

Council approved the first reading of the temporary moratorium on issuing oceanfront seawall permits. The moratorium requires an additional reading before it is officially enacted.

If adopted, no permits for ocean-facing seawall permits will be issued until March.

In 2024, the city issued 11 seawall permits. There are two permits currently under review that would not be subject to the moratorium.

The planning commission will hold a public hearing on the seawall setback consideration during its next meeting at 7 p.m. Feb. 7.

Dogs must be banned from a popular Hilton Head beach for the town to start renourishment

Dog owners who stroll a portion of Fish Haul Beach will need to find new sands to walk their four-legged friends as the access rules are changing soon.During a Feb. 4 Hilton Head Town Council meeting, Assistant Town Manager Shawn Colin said that in order to secure the necessary permits to proceed with the beach renourishment project, the town would need ban dogs on a section of Fish Haul Beach.While dogs often enjoy romps on the beach, their presence can be ...

Dog owners who stroll a portion of Fish Haul Beach will need to find new sands to walk their four-legged friends as the access rules are changing soon.

During a Feb. 4 Hilton Head Town Council meeting, Assistant Town Manager Shawn Colin said that in order to secure the necessary permits to proceed with the beach renourishment project, the town would need ban dogs on a section of Fish Haul Beach.

While dogs often enjoy romps on the beach, their presence can be stressful and scary for shorebirds who use the area to nest and the ban is to ensure their protection.

“Until we accept the permits, we can not bid out the beach renourishment project, so we wanted to bring this forward to town council so you know we’ll need to amend the municipal code related to animal activities on the beach,” Colin said to the town council.

The restricted area goes from Fish Haul Creek northwest to the entrance of Fish Haul Beach Park.

Under the current restrictions, dogs aren’t allowed on Fish Haul Beach during summer daytime hours. Outside of that period, dogs are allowed on the beach anytime, but owners must leash or be in control of their dog. Under the new rules, dogs will not be allowed in the restricted area at any time, including the winter months.

The U.S. Army Corps of Engineers issues one of the main permits for the 2025 beach renourishment project, and that process includes an opinion from the U.S Fish and Wildlife Service under the Endangered Species Act. They analyze how the renourishment project would impact endangered and threatened species. On Hilton Head, those species include two types of shore birds, the rufa red knot and the piping plover, as well as loggerhead turtles.

Initially, the USFWS required that a larger beach areas on Fish Haul Beach, parts of Port Royal Plantation, as well as Pine Island be dog restricted areas. In 2024 meetings between the agency, town staff and South Carolina Department of Environmental Services, that area was shrunk to a smaller section of Fish Haul Beach.

The town would need the municipal code change in place before the beginning of construction activity, Colin said. The USFWS also determines the timeline that the beach renourishment project so the heavy construction equipment doesn’t impact nesting birds and sea turtles. The project’s first phase is planned to begin in June 2025.

“We know the first period set by Fish and Wildlife is June to October,” Colin said. “We’re likely to not start the project until much later in the summer season, but we need to make sure we have that code change in place.”

The town would also need to place signs and bouys that indicate the location of the restricted area as well as create a “positive messaging campaign” concerning the changes. Additionally, the town will also need to continue to conduct shorebird surveys.

Town Manager Marc Orlando requested that the council allow him to sign the permits, which Colin projects will be finalized the coming weeks, during the meeting. The council approved this request. During the meeting, Orlando said he will wait to sign the permits until the council moves forward with the municipal code change banning dogs from the section of Fish Haul Beach.

“There are at least five other municipalities along the coast that are looking to do beach renourishment within the next 12 months,” Mayor Alan Perry said. “So timing is of the essence.”

This story was originally published February 7, 2025 at 10:32 AM.

The Island Packet

202-383-6005

Lydia Larsen covers climate and environmental issues along South Carolina’s coast. Before trading the lab bench for journalism, she studied how copepods (tiny crustaceans) adapt to temperature and salinity shifts caused by climate change. A Wisconsin native, Lydia covered climate science and Midwest environmental issues before making the move to South Carolina.

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