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.
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:
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.
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.
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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.
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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 Kiawah Island, SC are designed to help military members and veterans access affordable housing.
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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.
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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.
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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.
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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.
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.
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.
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 Kiawah Island, 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.
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.
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.
There's a moment at Hunting Island State Park as you're biking along the Lagoon Trail—ocean breezes and intoxicating beach vistas playing peekaboo to your left—when the sandy path turns inland and a sign points to Diamondback Rattlesnake Trail. A good idea? Yes."Yes," it turns out, sums up the best way to experience Beaufort, South Carolina, and its environs, including Hunting Island. Yes, the path less taken is an excellent idea, as is the sweet tea at Blackstone's Cafe. Spending hours strolling through The Old ...
There's a moment at Hunting Island State Park as you're biking along the Lagoon Trail—ocean breezes and intoxicating beach vistas playing peekaboo to your left—when the sandy path turns inland and a sign points to Diamondback Rattlesnake Trail. A good idea? Yes.
"Yes," it turns out, sums up the best way to experience Beaufort, South Carolina, and its environs, including Hunting Island. Yes, the path less taken is an excellent idea, as is the sweet tea at Blackstone's Cafe. Spending hours strolling through The Old Point and gazing at historic homes and even older live oaks offers endless enchantment. But with my eyes peeled for rattlers, I was (yes) relieved that the only serpentine thing I discovered was more of the winding trail along old dune ridgelines through a primordial wonderland.
Ahead, the best things to do in Beaufort, South Carolina, from local shopping to exploring the restaurant scene to appreciating the area's subdued beauty.
The trail affirms why Hunting Island, a breathtaking 25-minute drive from Beaufort, is South Carolina's most popular state park. With a dozen similar paths and 5 miles of pristine beach, this place leads you back eons in time through an untouched maritime forest with towering pines and ospreys soaring overhead as well as magnolias and saw palmettos tangled with yaupon hollies and wax myrtles in the dense understory. Here you breathe deeper and look more closely. Life slows down, and a sense of awe percolates up.
Take a seat on one of the bench swings at Beaufort's Waterfront Park. Wide and welcoming, they move back and forth in a rhythmic lullaby. You can't help relaxing, especially if you happen to catch a sunset or tune into the soft lapping of the Beaufort River against the floating dock, hearing the jingling clink of pulleys against sailboat masts—a mariner's wind chime.
Credit: Peter Frank Edwards A slice of the sweet life from Beaufort’s upscale Saltus River Grill. Credit: Peter Frank Edwards
Waterfront Park showcases the smart civic planning that makes Beaufort such a delight: The town's best vistas are protected and preserved. There are thoughtful amenities (parking, public bathrooms, an amphitheater, picnic tables, and plenty of green lawn for kids and dogs to play on). Plus it's all conveniently adjacent to an enticing array of restaurants, coffee shops, and stores along Bay Street. What better nightcap than to sit and swing a spell after enjoying grilled scallops or top-notch sushi at Saltus River Grill?
Beaufort is subdued in the best possible way. She has the same deep history and stunning architecture that her nearby sisters, Charleston and Savannah, are celebrated for, but she's fine staying slightly out of the limelight. Wise and mature, Beaufort wears her age like the badge of honor it is. Her Lowcountry aura feels elemental, with more patina and less pomp. Along Short Street at the edge of The Old Point, moss-heaped limbs cradle historic mansions. Beaufort's treescape shouts of grandeur in whatever language oaks speak. Gardens and yards aren't so much manicured as they are magical. It's easy to see why Hollywood frequently comes calling (a stairwell at The Beaufort Inn features posters from major motion pictures filmed here). Longtime resident Pat Conroy was so smitten that he wrote, "When I came to Beaufort I had struck upon a land so beautiful I had to hunt for other words."
Not far from Short Street, the First African Baptist Church, a Gothic Revival gem built by freedmen in 1865, bears witness to Beaufort's African American, Gullah, and Reconstruction-era history. "Robert Smalls was a member here. This document notes his Sunday school attendance and that he put a few cents in the offering plate," says the Rev. Alexander McBride, a jovial former marine and the church's pastor of almost 20 years, pointing to framed, yellowing pages hanging behind the sanctuary. A statue of Smalls, an enslaved crewman who heroically commandeered a Confederate ship and later served as a U.S. Congressman, is less than a mile away at Tabernacle Baptist Church, where a monument to Harriet Tubman is also planned.
Join Tabernacle Baptist Church for Worship at 10:00 a.m. on Sundays and for a prayer meeting and Bible study at 6:00 p.m. on Wednesdays.
Both churches are worthy stops, along with the Penn Center, the first Southern school for formerly enslaved people, across the bridge on St. Helena Island. Each place gives a deeper insight into the region's vibrant and enduring African American and Gullah Geechee culture.
Providing an overview of Beaufort's past, Capt. Henry Brandt of Coastal Expeditions offers a boat tour that cruises through the area's Native American, Spanish, and French history; Union occupation; and a view of Camp Saxton's tabby ruins, where the Emancipation Proclamation was first read in South Carolina—all interspersed with musings on estuary ecosystems and the fecund marvels of pluff mud.
"You don't fully experience Beaufort until you see it from the water," Brandt claims. After watching dolphins curl and glide from the boat's bow and admiring the town's steeples rising in the background, I absolutely believe him.
tabernacle1863.org; 901 Craven Street, Beaufort, South Carolina 29901penncenter.com; 16 Penn Center Circle East, St. Helena Island, South Carolina 29920coastalexpeditions.com
Anchorage 1770 Boutique hotel in an 18th-century mansion with fine dining at the Ribaut Social Club ; 1103 Bay Street, Beaufort, South Carolina 29902
The Beaufort Inn Historic main inn plus several cottages clustered around a courtyard beaufortinn.com; 809 Port Republic St, Beaufort, South Carolina 29902
Rhett House Inn Historic Greek revival mansion that's been a favorite of movie stars rhetthouseinn.com; 1009 Craven St, Beaufort, South Carolina 29902
Blackstone's Café Classic diner-like options blackstonescafe.com; 205 Scott Street, Beaufort, South Carolina 29902
Red Rooster Cafe Extensive breakfast menu, whether you like it country, continental, Lowcountry, or Tex Mex facebook.com; 2045 Boundary Street, Beaufort, South Carolina, 29901
Lowcountry Produce Kitchen Locally sourced salads and sandwiches and a legendary tomato pie lowcountryproduce.com; 302 Carteret St, Beaufort, South Carolina 29902
Chapman's Grocer Grab-and-go items plus beer, wine, and snacksinstagram.com/chapmans_grocer_beaufort; 208 West St, Beaufort, South Carolina 29902
Plums Waterfront dining featuring soups, salads, and sandwiches plumsrestaurant.com; 904 Bay Street, Beaufort, South Carolina 29902
Saltus River Grill Fine dining with fresh local seafood, Southern fare, steaks, sushi, and a well-curated wine list ; 802 Bay Street, Beaufort, South Carolina 29902
Old Bull Tavern Gastropub featuring a lively bar scene and a lamb shank that does not disappoint oldbulltavern.com; 205 West Street, Beaufort, South Carolina 29902
Breakwater Restaurant and Bar Seafood, steaks, and seasonal dishes with Southern flair breakwatersc.com; 203 Carteret Street, Beaufort, South Carolina 29902
Paninis on the Waterfront Stone-baked pizzas, paninis, seafood, and pastas paninisonthewaterfront.com; 926 Bay Street, Beaufort, South Carolina 29902
Wren Bistro & BarModern-American food with low country hospitalitywrenbeaufort.com; 210 Carteret St., Beaufort, SC 29902
Cabana22 Coastal-chic boutique cabana22.com; 819 Bay Street, Beaufort, South Carolina 29902
The Chocolate Tree Confections such as fudge, truffles, and peanut brittle facebook.com; 507 Carteret Street, Beaufort, South Carolina 29902
The Beaufort Candy Shop Classic candies and sweet treats of every kind; 103 West Street Extension, Beaufort, South Carolina 29906
Lisa Rivers Fine Art Gullah-inspired art, prints, and gifts lisariversart.com; 917c Bay Street, Beaufort, South Carolina 29902
Cassandra Gillens Art / Gullah Art in De Woods Paintings, posters, and gifts; 711 Bladen Street, Beaufort, South Carolina 29906
Good Aura Sustainable clothing and jewelry boutique shopgoodaura.com; 221 West Street, Beaufort, South Carolina 29902
Monkey's Uncle Toys, fun, and games for children of all ages monkeysuncletoys.com; 909 Bay Street, Beaufort, South Carolina 29902
Hunting Island; St. Phillips Island; southcarolinaparks.comPat Conroy Literary Center; Coastal Expeditions; Reconstruction Era National Historic Park; nps.gov/reerSpanish Moss Trail; Craven Street en route to The Old Point to explore historic neighborhoods
Condé Nast Traveler editorial staff were not involved with the creation of this content.Before the island awakens, the gentle roar of the Atlantic Ocean steadies its harmony along the shoreline. The rustle of pampas grass drifts through the air, blending seamlessly with the cool serenity of the misty ocean breeze. Sunlight quietly warms the world-class fairways and meandering waterways, while ospreys eye up the salt marshes, anticipating their morning catch.This is Kiawah Island at its most intimate. A paradise where the...
Condé Nast Traveler editorial staff were not involved with the creation of this content.
Before the island awakens, the gentle roar of the Atlantic Ocean steadies its harmony along the shoreline. The rustle of pampas grass drifts through the air, blending seamlessly with the cool serenity of the misty ocean breeze. Sunlight quietly warms the world-class fairways and meandering waterways, while ospreys eye up the salt marshes, anticipating their morning catch.
This is Kiawah Island at its most intimate. A paradise where the day begins not with noise, but with possibility.
Approximately 21 miles from Charleston, the unspoiled, private island is where nature, sport, and luxury intertwine. Experiences range from spa treatments, tennis, fine dining, and pickleball to naturalist tours, kayaking, and championship golf. It’s more than a destination. It’s an oasis of Southern hospitality, sun-warmed paths, and towering palms that stir the senses—and make you feel worlds away.
A leisurely drive under canopies of Spanish moss-draped live oaks leads to the entrance of The Sanctuary, the property’s acclaimed crown jewel. Enveloped with subtropical surroundings, this aptly named haven is bestowed with South Carolina’s only Forbes Triple Five-Star rating for dining, accommodations, and spa. The reasons why are apparent.
Sincere welcomes are a constant here. As is a serenade of rolling surf, pristine sands, and far-reaching landscapes, all framed by expansive windows. This is where the journey begins. The unplugging. The clarity. The serenity.
Inside The Sanctuary, grand staircases positioned at either side of the lobby lead the way to world-class accommodations anchored by 255 exquisite guest rooms and suites. Décor throughout is refined without sacrificing Southern charm. Luxe amenities create an environment that is both exceptional and endearing—whether traveling solo or with family.
The botanical solitude of the Forbes Five-Star spa is a source of endless bliss. Think trickling water fountains, the calming aroma of essential oils, detoxifying mineral-based massages, and holistic facials. Expect no pretense. Just pure, award-winning renewal and rejuvenation.
Seven resorts across the Palmetto State have been ranked among the top 20 in the South by the 2025 Condé Nast Traveler Readers’ Choice Awards.From oceanfront escapes to serene Lowcountry retreats, these South Carolina resorts made the ranks for their hospitality, scenery and world-class amenities — with more locations on the list than any other southern state.There were 757,109 travelers who participated in the 38th annual survey, casting votes between April 1 and June 30, 2025. Results are based on a five-po...
Seven resorts across the Palmetto State have been ranked among the top 20 in the South by the 2025 Condé Nast Traveler Readers’ Choice Awards.
From oceanfront escapes to serene Lowcountry retreats, these South Carolina resorts made the ranks for their hospitality, scenery and world-class amenities — with more locations on the list than any other southern state.
There were 757,109 travelers who participated in the 38th annual survey, casting votes between April 1 and June 30, 2025. Results are based on a five-point scale and averaged to a percentage to determine final scores. The awards recognize excellence across a wide range of travel categories, including hotels, resorts, cities, and airports.
Whether you’re planning a romantic getaway or a family-friendly vacation, where you stay matters just as much as where you go.
Here are the South Carolina resort destinations that made the ranks and how each location scored.
This oceanfront resort blends luxury with Lowcountry charm, offering pristine beaches, world-class golf and spa experiences all nestled within a barrier island setting.
Located just outside Charleston, Wild Dunes offers a relaxing beach atmosphere and easy access to historic charm, complete with golf courses, bike trails, and upscale accommodations.
Set along the Atlantic Ocean, just steps away from the beach, this resort features oceanfront dining, three pools, and a full-service spa, making it a top pick for both relaxation and recreation.
This boutique waterfront resort combines coastal elegance with Southern hospitality, all just a short drive from the city.
Famous for its iconic red-and-white lighthouse and scenic bike trails, Sea Pines offers an immersive experience in nature, golf, and coastal living on Hilton Head’s southern tip.
With spacious suites, beachfront access, golf, trails, and tennis courts, this resort provides a relaxed yet upscale atmosphere ideal for both couples and families.
Tucked between Hilton Head and Savannah, Montage Palmetto Bluff delivers Southern charm and luxury with a rustic twist in its moss-draped oaks, gourmet dining and homes on the water.
The other top resorts in this ranking by Condé Nast readers include:
The Sanderling Resort in Duck, North Carolina
The Omni Homestead Resort in Hot Springs, Virginia
The Greenbrier in White Sulphur Springs, West Virginia
Stonewall Resort in Roanoke, West Virginia
The Swag in Waynesville, North Carolina
The Cloister at Sea Island in Sea Island, Georgia
Blackberry Farm in Walland, Tennessee
The Tides Inn in Irvington, Virginia
The Omni Grove Park Inn in Asheville, North Carolina
Blackberry Mountain in Walland, Tennessee
The Horse Shoe Farm in Hendersonville, North Carolina
The Westin Savannah Harbor Golf Resort & Spa in Savannah, Georgia
The Lodge at Primland, Auberge Collection in Meadows of Dan, Virginia
Condé Nast states that the Readers’ Choice Awards survey is administered via a secure platform from cntraveler.com and includes a range of criteria relevant to each category.
Categories range from cities, resorts, hotels, and more. For a candidate to be voted on in a respective category, it must meet a minimum number of responses and achieve a qualifying rating to be eligible.
Results are based on a five-point scale and averaged to a percentage to determine final scores.
The rankings aim to highlight places and experiences that travelers value most and serve as a guide for future travel planning.
To view the full list of top resorts in the South and other awards from Condé Nast readers, click here.
KIAWAH ISLAND, S.C. (WCSC) - Kiawah Island could be expanding its Town Hall campus with a Civic and Cultural Center and Wednesday, the town is taking a unique approach to the process.After launching a national design competition, the town has selected three firms as finalists. Those teams will present their conceptual designs to the public Wednesday afternoon at the Town Hall.The event will be held inside the Council Chambers, where residents can view the designs and learn more about the project. The presentations are scheduled...
KIAWAH ISLAND, S.C. (WCSC) - Kiawah Island could be expanding its Town Hall campus with a Civic and Cultural Center and Wednesday, the town is taking a unique approach to the process.
After launching a national design competition, the town has selected three firms as finalists. Those teams will present their conceptual designs to the public Wednesday afternoon at the Town Hall.
The event will be held inside the Council Chambers, where residents can view the designs and learn more about the project. The presentations are scheduled to occur between 3 p.m. and 5 p.m.
The competition is not about choosing one specific design. Instead, the town is selecting the firm and team behind the concept. The finalists were picked from 12 national submissions earlier this summer. Over the last six to eight weeks, each of the three remaining teams has developed its own vision for a Civic and Cultural Center on the existing 21-acre Town Hall campus.
Town officials said the proposed center could feature a performing arts auditorium, gallery space and flexible areas for meetings and community events— all amenities the island currently lacks.
“I think why everybody’s so excited about the potential is because the Kiawah Arts Council has been putting on programming for more than two decades. The challenge has been that all of these are held in churches nearby, clubhouses; all of those venues are less than desirable from a sound quality standpoint, comfort seating, et cetera. This is an opportunity to have a dedicated purpose-built facility that will provide an opportunity to the community to really truly benefit from the programming that the council’s been putting on for a long period of time,” Mayor Bradley Belt said.
Belt said that, although they want the best design and the most efficient process, there are a variety of factors that go into a project like this one. Considerations like funding, functionality and long-term planning are still ahead.
“We’re choosing the firm based upon their creative vision and the depth and breadth of their team because it’s not just the architectural firm. They’ve also got affiliates that deal with theater design acoustics, construction firms and landscape related issues,” Belt said. “We want to make sure that the team that’s selected is the right one to lead this project.”
Belt said Wednesday’s unveiling is about getting residents involved and helping them envision the potential of the space, rather than letting them decide.
“There’s not really an opportunity to vote on one design or another because there’s a whole host of considerations,” Belt said. “The public may be blown away by one design, but that may not be a cost-effective option. It might not be the best team or it might not take the best advantage of the site conditions. So, this is really just a chance for the community to see what we’ve been seeing evolve over the last several weeks.”
Belt said the main goal of this addition is to take advantage of the full 21-acre campus by utilizing it to give back to the area and the people who live there.
“This is really an underutilized campus right now, 21 acres that just houses administrative buildings and the council chambers. But, we hope this becomes a true asset for the community, for residents of the sea islands, not just Kiawah Island residents, but also visitors to the islands,” Belt said.
Once the design selection committee chooses a winning team, the project will still need Town Council approval before moving forward. If approved, officials expect construction to take at least two years.