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Classic Home Mortgage Providing Trustworthy Mortgage Guidance for Over 30 Years

Buying a home is one of the most significant investments that you will ever make. Like most good things, finding the perfect home comes with a lot of work. From your initial search online to your home tour and finally closing, there are many difficult decisions to make along the way. The bottom line is that the entire home buying process can be very stressful, especially when it comes to finding the right mortgage broker and loan for your new home. Since market conditions and mortgage programs change frequently, you have a lot riding on your broker's ability to provide quick and accurate financial advice. Whether you're a first-time homebuyer or own several residential properties, you need a mortgage broker in Kiawah Island, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.

My name is Dan Crance - Kiawah Island's most trusted mortgage loan officer with more than 30 years in the mortgage industry. I bring unparalleled insight and decades of experience into your home loan process. If you're looking for a new home loan, are interested in refinancing your current mortgage, or need information regarding FHA, VA, or other types of loans, Dan Crance is Your Mortgage Man.

Unlike some mortgage loan officers in Kiawah Island, my primary goal is to help you make the right mortgage choice for you and your family. Mortgage lenders have a horrible reputation for turning over clients quickly to expedite cash flow and make the most money possible. While some mortgage brokers come off as pushy and impatient, I encourage my clients to take as much time as they need to ask questions and review their mortgage agreements. I'm here to help answer those questions and provide you with easy-to-understand advice so that you can rest easy knowing you made the right choice. I could say that I strive to provide service that exceeds your expectations, but I'd rather show you. In the end, I want you to leave feeling confident in the loan you've selected, as well as in your choice of broker.

Service Areas
Mortgage Broker Kiawah Island, SC
 Refinance Kiawah Island, SC

Why Choose Dan Crance As Your Mortgage Lender in Kiawah Island, SC?

Clients choose my mortgage company because I truly care about helping them navigate the often-confusing landscape of the mortgage process. I am fiercely dedicated to my clients and make every effort to provide them with trustworthy advice and an open line of communication.

In my business, I work for two different customers. On one hand, I have the buyer: the person entrusting me with the responsibility of guiding them through one of the most important decisions ever. Serving homebuyers is not a task that I take lightly. I work with them daily to help them through the process and provide timely updates and news on their mortgage status. On the other hand, I have the realtor: the person who works with my client to find their dream home. Since their commission is in my hands, working with realtors is also a very important task. I update these agents on the status of their customers weekly. Only when I take care of both parties can I say my job as a mortgage loan officer is complete.

As a mortgage broker with more than 30 years of experience, I pledge to give you the highest level of customer service while providing you with the most competitive loan products available. That way, you can buy the home of your dreams without second-guessing your decision.

 Conventional Mortgage Kiawah Island, SC

Home Financing in Kiawah Island, SC

At Classic Home Mortgage, our team works diligently to close on time without stress or hassle. Whether you're a seasoned homeowner or are buying your new home in Kiawah Island, we understand how much stress is involved. Our goal is to help take that stress off of your plate by walking you through every step of the home loan process. Because every one of our clients is different, we examine each loan with fresh eyes and a personalized approach, to find you the options and programs you need.

With over 30 years as a mortgage professional in Kiawah Island, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.

 FHA Mortgages Kiawah Island, SC

When you work with Classic Home Mortgage, you can always count on our team to:

  • Put your needs first.
  • Work efficiently and quickly. Many of our home loans close in 30 days or less.
  • Offer you a variety of home loans to choose from, and help you make an informed decision.
  • Provide you with competitive rates that make sense for your budget and lifestyle.

While no two loan terms are the same, a few of the most common loan types include:

30-Year Loan - This loan is often considered the most secure option to choose. With a 30-year loan, you can lock in a low payment amount and rest easy knowing your rate won't change.

FHA Loan - If you're not able to make a large down payment, an FHA loan could be the right choice for you. With an FHA loan, many of our clients have successfully purchased a home with less than 4% down.

VA Loan - This loan is reserved for military veterans and active-duty men and women. Those who qualify may be able to purchase a home with no down payment and no Private Mortgage Insurance (PMI).

Choosing a home loan is an important step in the home buying process. At Classic Home Mortgage, we are here to make choosing a loan as easy as possible, so you can focus on the joys of being a homeowner. Contact our team of experts today and ask how you can get pre-qualified for your home loan in Kiawah Island, SC.

Refinancing in
Kiawah Island, SC

Because home mortgage rates in the U.S. have been so low over the last year, many current homeowners are opting to refinance their home loans. Simply put, refinancing is replacing your existing mortgage with a different mortgage under new terms. Homeowners who refinance their homes enjoy lower interest rates, lower monthly payments, and even turn their home's equity into cash. If you're interested in refinancing your home, it all begins with a call to your mortgage broker in Kiawah Island, SC - Dan Crance.

Here are just a few reasons why more homeowners in the U.S. are taking advantage of lower rates and refinancing their homes:
 Home Ready Mortgages Kiawah Island, SC
Shorter Term Loan

Shorter Term Loan

Refinancing from a 30-year to a 15-year mortgage might seem counterproductive on the surface because your monthly payment usually goes up. However, interest rates on 15-year mortgages are lower. And when you shave off years of your previous mortgage, you will pay less interest over time. These savings can be very beneficial if you are not taking the mortgage interest deduction on your tax returns.

Do Away with FHA

Do Away with FHA

FHA loans are notorious for paying premiums for the life of the loan. Mortgage insurance premiums for FHA loans can cost borrowers as much as $1,050 a year for every $100k borrowed. The only way to get rid of mortgage insurance premiums is to refinance to a new loan that the Federal Housing Authority does not back.

Switch to Fixed Rate or Adjustable-Rate Home Loan

Switch to Fixed Rate or Adjustable-Rate Home Loan

Sometimes, borrowers with adjustable-rate mortgages refinance so they can switch to a fixed rate, which lets them lock in an interest rate. Doing so is beneficial for some homeowners who like to know exactly how much their monthly payment is each month. Conversely, some homeowners with fixed rates prefer to refinance to an adjustable-rate mortgage. Homeowners often go this route if they plan on selling in a few years and don't mind risking a higher rate if their plans fall through.

 Mortgage Banker Kiawah Island, SC

Common Questions About Home Loans

Finding the right loan can be a difficult proposition, even if you have been through the process before. This is especially true since mortgage rates and market conditions change frequently. If you're like most of my clients, you probably have questions about interest rates, refinancing options, and a litany of other topics. To help alleviate some of your stress, here are just a few common questions with answers so that you can better educate yourself as we work our way to securing your loan.

Generally speaking, you should consider refinancing when mortgage rates are 2% lower than the current rate on your home loan. For some homeowners, refinancing makes sense when there is only a 1% difference. Reducing your mortgage rate is a great way to save money or apply your savings to a home upgrade. The money you save on your refinanced loan depends on your loan amount, budget, income, and charges from interest rates. It's crucial that you work with a trusted mortgage loan officer in Kiawah Island, SC, to help calculate your refinancing options.
This is one of our most frequently asked questions at Classic Home Mortgage. In simple terms, points let you make a tradeoff between the upfront costs of your loan and your monthly payment amount. Points are essentially costs that you have to pay to your mortgage lender to get financing under specific terms. A point is defined as a percentage on your loan amount. 1-point is equal to 1% of the loan. So, 1 point on a loan worth $100,000 is equivalent to $1,000. When you pay some of the interest on your home loan upfront, you use discount points to lower your interest rate.
If you plan to live in the property for a few years, it makes a lot of sense to pay points to lower your interest rate. Doing so will help lower your monthly loan payment, which you can use to save money. Paying points may also increase the amount of money that you can borrow. If you do not plan on living in the property for at least a few years, this strategy might not make financial sense because you might not be able to make up the amount of the discount points you paid up-front.
In short, yes, your mortgage lender will need to know your credit score. Credit scoring is a system that creditors use to decide whether they will give you credit. Your credit score helps creditors decide how creditworthy you are or how likely you will repay your loan. In most circumstances, creditors will use your FICO scores during the loan process. Your score will fall between high risk (350) and low risk (850). Your credit score plays a big role in the loan process, and as such, your score must be accurate before submitting a credit report when applying for a loan.
The answer to this question depends on how money you choose to put as a down payment on your home. On a conventional loan, if your down payment is less than 20% of the price of your home, your mortgage broker in Kiawah Island may require you to get Private Mortgage Insurance or PMI for short. This insurance protects your lender in the event you default on your mortgage. The best way to avoid paying for this insurance is to make a down payment of 20% or more of the purchase price of your home.
 Mortgage Company Kiawah Island, SC

Trust Dan Crance

Your Mortgage Lender in Kiawah Island, SC

Whether you're selling, buying, refinancing, or building the home of your dreams, you have a lot riding on your home loan specialist. When you need a mortgage broker who works tirelessly for you, answers your questions, provides guidance, and does so with a genuine smile, Dan Crance is your mortgage man. Contact Dan today at 843-478-5612 to get pre-approved and discover why Kiawah Island loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

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The People Who Make The Place: The Sanctuary at Kiawah Island Golf Resort

“For me, this isn’t a job,” proclaims Kevin McQuade, head concierge at The Sanctuary at Kiawah Island Golf Resort, near Charleston. “I’m absolutely obsessed with it. It&...

“For me, this isn’t a job,” proclaims Kevin McQuade, head concierge at The Sanctuary at Kiawah Island Golf Resort, near Charleston. “I’m absolutely obsessed with it. It’s who I am; I eat it for breakfast, lunch, and dinner. Charleston is in my bones.”

It’s been just under three years since McQuade joined the concierge team at the luxury Kiawah Island retreat. Over twenty-plus years as a hotel concierge—18 of those were spent at properties in downtown Charleston hotels—McQuade has exhibited an unbridled passion for his job. He also happens to be exceptional at it—so exceptional that he’s been recognized by Les Clefs d’Or (an international organization of elite hotel concierges) for his outstanding service and devotion to the profession.

The Sanctuary, located on a 10,000-acre barrier island 21 miles from downtown Charleston, is one of those quieter pockets he speaks of. The elegant outdoorsy retreat has become a magnet for visitors who prefer a dash of “nature time” sprinkled into their already-flavorsome Holy City itinerary. A stay at The Sanctuary, in fact, could easily be considered the cherry on top, a necessary wind-down after jam-packed days reveling in Charleston’s historic district. What’s there not to love when the agenda consists of lazy days lounging on one of the best-rated beaches in the country, incredible Lowcountry food, and a sense of solitude and renewal? “A lot of people will go downtown for a few days, and then come right to The Sanctuary, where they feel like they’re in the middle of nowhere,” he says. “They come here to relax—it’s called The Sanctuary for a reason. It’s almost like you have to be reminded that Charleston is just 45 minutes away from this refuge.” Then, of course, there are those who come for the golf.

The resort boasts some of the most renowned golf courses not just in South Carolina, but across all 50 states. This superlative reputation is no secret. In 2021, one of golf's biggest, national tournaments was hosted at Kiawah Island Golf Resort’s prestigious Ocean Course, which rambles through the wind-swept dunescape of the island's eastern coast, not far from The Sanctuary’s 250 guest rooms. The course also has the largest number of seaside holes in North America, making it one of the most challenging public courses in the world.

“We are obsessed with five-star service at The Sanctuary,” McQuade fervently declares. “When you first walk in and see the ocean straight ahead, it’s hard not to feel the stress wash away. And our spa is just amazing.” Best of all, cars aren’t necessary to experience the best of the resort; guests have access to complementary shuttles that whiz about the grounds, from the beach, to the golf course, to the excellent restaurants located on and around the property.

Jasmine Porch at The Sanctuary highlights Lowcountry comfort food (think shrimp and grits, fried green tomatoes, roast chicken) in a family-friendly setting, while the poolside Loggerhead Bar and Grill is a great spot for easy-breezy coastal bites. “Then there’s the Ocean Room, the nicest restaurant at the resort,” says McQuade. “It’s an upmarket steakhouse with such an elegant atmosphere; you almost feel like you’re in the dining room of the Titanic. Expect excellent filet, ribeye, and elevated seafood dishes. Guests like to dress up for the experience.” Outside The Sanctuary exists a handful of other solid dining options, like the Atlantic Room, which overlooks the Ocean Course (“Chef Fernando is one of the best in Charleston for seafood”) as well as sister restaurant Ryder Cup Bar—both offer unbelievable ocean views. With endless fodder for curating unforgettable experiences for guests at The Sanctuary, McQuade's dedication to sharing the best of Charleston is resolute: “If I had one hour left on this earth,” he says “I would spend it planning a trip for someone to Charleston, South Carolina.”

Sample Gullah Cuisine at Hannibal’s Soul Kitchen

“There’s really just one place in the world to eat Carolina Gullah cuisine, and it’s in and around Charleston,” says McQuade. According to Hannibal's website, the restaurant has been “feeding the soul of the city" for more than 40 years. Located inside a big orange building, this down-home soul food and seafood joint has been run by the Huger family since 1985. It’s a veritable Charleston institution that serves authentic and hearty Gullah dishes like crab and shrimp rice, collard greens, hoppin’ john, and more. “There’s been a big craving—even among guests at fancy upscale hotels—for authentic restaurants,” says McQuade. “Though I still give them a heads-up that it’ll be casual, it’s a dive. They always end up loving it. Going to places like Hannibal’s is like lighting a candle to Charleston’s ancestors.”

Explore the Wilds of Bull’s Island

“A big part of Charleston is being on the water—we’re surrounded by it on all sides,” McQuade describes. “No visit to the city is complete without some activity on the water. And it’s more interesting if you go off the beaten path, away from the harbor and into the marshes and estuaries.” The concierge recommends adventure group Coastal Expeditions for all—you guessed it—coastal expeditions for his clients. Of all the excursions, McQuade’s top pick is the guided kayak tour around Bull’s Island, which the company has been running for over 27 years. “It’s an incredibly pristine wild island filled with gators, birds, and other wildlife,” he says. “Don’t miss the boneyard.” McQuade’s referring to Boneyard Beach, an otherworldly swath of shore scattered with hundreds of pieces of whitewashed driftwood. It’s an eerie scene to some, but a downright magical one to most.

Visit the Caw Caw Interpretive Center

Another outdoor attraction McQuade recommends is the Caw Caw Interpretive Center, a wildlife preserve containing 11 distinct coastal plain habitats teeming with American alligators, bald eagles, and other native fauna. “Caw Caw is often overlooked because it is 25 minutes outside of the city, but you could spend hours on the trails, meandering through brackish marshes, maritime forests, pinewood, swamps, and so much more,” the concierge adds. “It might have the best birding in the state because of all the different ecosystems.” Caw Caw also features old 18th-century rice fields (Charleston was once the largest rice purveyor in the U.S.), a Stono Rebellion site, and thousands of naturalized tea plants from a 20th-century tea farm.

Take a Black History Tour

“In addition to a general tour of the city, everyone should take a Black history tour,” McQuade suggests. “About one-third of America’s enslaved people came through Charleston Harbor. Franklin is the guy behind Frankly Charleston Black History Tours, which does great walking tours focused on the historic areas.” The Beyond the Fields tour at Middleton Place, one of the region’s most-visited plantations, also lands high on McQuade’s list. “Plantation house tours tend to focus on the family and the furniture—and that’s all very interesting, but there are other windows into our culture we need to peer into,” he says. “For about an hour, the Beyond the Fields tour details what it was like for enslaved people as they got off the slave ships; how they grew rice, and how they lived. I understand we don’t want to make people uncomfortable with this subject, but we all need to be unafraid to dive in and embrace it, in order for it to never happen again.”

Plan your next trip and explore Charleston today.

ESPN’s PGA Championship First Round Telecast Earns Largest Viewership in 20 Years

Alternate Telecast with Joe Buck, Michael Collins and Guests averages 684,000 Viewers in First HourESPN’s live telecast of the opening round of the PGA Championship on Thursday, May 19, from Southern Hills Country Club in Tulsa, Okla., averaged 1.5 million viewers, the largest first-round viewership for the tournament in 20 years.The telecast, which aired from 2-8 p.m. ET, peaked at 1.7 million viewers at 4:45 p.m. The average viewership was up 23 percent from the first round of last year’s tourname...

Alternate Telecast with Joe Buck, Michael Collins and Guests averages 684,000 Viewers in First Hour

ESPN’s live telecast of the opening round of the PGA Championship on Thursday, May 19, from Southern Hills Country Club in Tulsa, Okla., averaged 1.5 million viewers, the largest first-round viewership for the tournament in 20 years.

The telecast, which aired from 2-8 p.m. ET, peaked at 1.7 million viewers at 4:45 p.m. The average viewership was up 23 percent from the first round of last year’s tournament from Kiawah Island, S.C., which averaged 1.2 million viewers. The audience was the largest since TNT’s first round telecast in 2002 averaged 1.8 million viewers

The debut of the new alternate telecast hosted by Joe Buck and Michael Collins averaged 684,000 viewers in its first hour on ESPN (1-2 p.m. ET), which was an 80 percent increase in viewership for the one-hour timeslot prior to PGA Championship coverage last year. The alternate telecast averaged 96,000 viewers between 2-5 p.m. on ESPN2.

Top reported local markets for the Thursday’s full telecast with metered market rating:

Las Vegas 1.4
Atlanta 1.3
Phoenix 1.3
Jacksonville 1.2
Boston 1.2
Orlando 1.1
Washington, DC 1.1
Pittsburgh 1.0
Charlotte 1.0
Greensboro 1.0

Streaming coverage of Featured Holes and Featured Groups (highlighted by the Tiger Woods, Rory McIlroy, Jordan Spieth group) during the first round on ESPN+ led to the most-viewed day of PGA Championship play ever on the industry-leading sports streaming service.

ESPN’s PGA Championship coverage continues Saturday and Sunday with live coverage of the third and fourth rounds on ESPN+ (8 a.m.) and ESPN (10 a.m.). ESPN+ also will have Featured Groups and Featured Holes streams all day.

The alternate telecast with Buck, Collins and guests will air both Saturday and Sunday from 9-10 a.m. on ESPN and ESPN+ and from 10 a.m. – 1 p.m. on ESPN+.

In addition, SportsCenter and ESPN.com will report from the PGA Championship throughout the weekend.

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The Best Resorts To Stay In Across South Carolina

When it comes to resorts, South Carolina does it right. Whether you're looking to relax at a luxurious spa, stroll a sandy beachfront, or sit down to memorable meals, there's a resort in the Palmetto State with your name on it. Browse the amenities at these properties, and find what speaks to you. (There's plenty to choose from at each and every one.) The next step is booking a stay, packing your gear, and—finally—setting out on an ad...

When it comes to resorts, South Carolina does it right. Whether you're looking to relax at a luxurious spa, stroll a sandy beachfront, or sit down to memorable meals, there's a resort in the Palmetto State with your name on it. Browse the amenities at these properties, and find what speaks to you. (There's plenty to choose from at each and every one.) The next step is booking a stay, packing your gear, and—finally—setting out on an adventure to a resort that feels like an oasis, whether it's a home away from home or just a break from the day to day. Rent bikes and pedal the sands. Order room service and enjoy the view from your windows. Find the poolside bar and relax awhile. Memories, and a whole lot of fun, await. Want to travel farther afield? Check out some of the best places to stay in every Southern state.

This consistently lauded stay is a waterfront retreat near Charleston. Palmetto trees welcome you to the property, where you'll find wraparound porches, the serenity-inducing Estuary Spa, and a water taxi for ferrying you to downtown adventures. The abundance of patios and porches means that you'll get your fill of harbor breezes (and handcrafted cocktails to enjoy en plein air).

Book a stay at The Inn & Club at Harbour Town, part of The Sea Pines Resort in Hilton Head, for a warm welcome and rooms with a view. The boutique luxury hotel has 60 guest rooms and offers opportunities for rounds of golf, swings on the tennis courts, and relaxation at the pool. You can also book private fishing charters, cruises, and boat tours at the nearby full-service marina.

Find pools galore at this Myrtle Beach resort. Sun, sand, and plenty of bright blue umbrellas and loungers await when you book a beachfront stay at this inviting spot. There are also indoor and outdoor pools, beach access, and opportunities for pampering at Hibiscus Spa. Open your windows to the beach air, enjoy a meal at the resort's restaurants, or stroll outside to the pool deck—there's fun to be had here.

This Lowcountry property is situated along the May River in Bluffton, which means it has instant appeal—and a marina on the waterfront. Located between Hilton Head and the Georgia border, this resort is equal parts relaxation and adventure, as it has fantastic restaurants, a nature preserve, and a Jack Nicklaus Signature Golf Course.

Book a stay at The Omni Hilton Head Oceanfront Resort and it won't be long until you're enjoying sea breezes. Dining, swimming, golfing, lounging on the sands—this resort has something for everyone. In addition to the resort's amenities, you can book packages (like the Family Fun Package with bike and kite rentals) to complement your stay.

Find a barrier island getaway at Kiawah Island Golf Resort—an oasis of sandy beachfronts and championship golf courses near Charleston. There's also decadent dining at the resort's many stellar restaurants, including Jasmine Porch and The Ocean Room. With so much to enjoy, you don't want to miss the opportunity to stay at this luxury property.

Head to Isle of Palms for a stay at Sweetgrass Inn at Wild Dunes Resort, a 1,600-acre property near Charleston that's a destination for golfing (the Links Course has Atlantic views) and enjoying the coastline. With plenty of pools, bike rentals, and opportunities to relax (check out the Spa at Sweetgrass, where you can contact the spa concierge to customize your stay), you'll never want your vacation to end.

While not necessarily classified as a resort, you can find the epitome of South Carolina hospitality at this historic hotel, which is nestled in the resort town of Aiken. In addition to gracious accommodations, it also has fantastic dining offerings for breakfast, lunch, and dinner, and a relaxing spa, plus easy access to the town's shopping, antiquing, arts, equestrian, and cycling opportunities.

The Best National Parks in South Carolina

Exploring Kiawah Island, South Carolina’s private getaway, where day visitors are welcome (by most, anyway)

KIAWAH ISLAND, South Carolina – The young man behind the counter at the West Beach pool helped me pick out a bike, handed me a map and told me to have fun.What a contrast to the security attendant I encountered a few moments before, who made me feel like an interloper at the gated entrance to Kiawah Island.I brushed aside her grouchiness and headed out on two wheels, pedaling first through the island’s leafy interior before heading to the beach, where the sand at low tide cuts an incredible coastal path along the At...

KIAWAH ISLAND, South Carolina – The young man behind the counter at the West Beach pool helped me pick out a bike, handed me a map and told me to have fun.

What a contrast to the security attendant I encountered a few moments before, who made me feel like an interloper at the gated entrance to Kiawah Island.

I brushed aside her grouchiness and headed out on two wheels, pedaling first through the island’s leafy interior before heading to the beach, where the sand at low tide cuts an incredible coastal path along the Atlantic.

Kiawah, the mostly private barrier island about 25 miles south of Charleston, is often included on lists of the world’s most beautiful beaches. For that reason alone, I put the island on the top of my to-do list as I planned a short trip to South Carolina to try out the new Breeze Airways flights out of Akron-Canton Airport.

It’s not the simplest place to visit, however, especially if you’re not spending the night.

Staying overnight

There’s one hotel on the island, the tony Sanctuary, a gorgeous, ocean-front AAA five-diamond property with 255 rooms. Rates here run $500 and up during the summer, which was too steep for me.

Instead, I overnighted at a hotel on U.S. 17, a 30-minute drive away, and planned a day trip to the island. Shortly after arrival, however, I wasn’t entirely sure that my plan was a good one.

I had called earlier to make a reservation for the Jasmine Porch, inside the Sanctuary, one of the island’s numerous restaurants. It’s one of several ways that non-guests are encouraged to visit the island, owned primarily by the Kiawah Island Golf Resort and other real estate development companies.

I made it to Kiawah by 10 a.m. on a recent Sunday, told the woman at the gate that I had a restaurant reservation and asked for a map of the island. She told me I wasn’t to linger on the island and wouldn’t give me a map.

“But I’m planning on renting bikes,” I told her. “You’re not allowed to rent bikes,” she told me.

That came as news to the young man at the nearby West Beach pool, who told me I was welcome to rent a bicycle and to pedal anywhere I liked. “Security being security,” he said, and shrugged.

Indeed, non-guests are also welcome to sign up for recreational activities and nature programs, including dolphin encounters, kayak tours, art classes and more.

They’re even allowed to golf – and this island is well known for its spectacular and prestigious courses, including the waterfront Ocean Course, which hosted the 2021 PGA Championship in May. Five courses are open to the public, whether you’re staying on the island or not, including the Pete Dye-designed Ocean Course, Cougar Point, Turtle Point, Osprey Point and Oak Point.

I’m not a golfer, which kept my to-do list simple for my short visit: Explore the island by bike, enjoy a nice meal, check out the beach, maybe witness some wildlife.

I popped into the Nature Center, too, for some air conditioned-relief, where I saw numerous snakes, turtles, a stuffed bobcat and two infant alligators in tanks (the only gators I saw during my visit, despite omnipresent signage warning visitors to stay away from ponds and waterways).

I enjoyed almost all of it – the biking was terrific, with 30 miles of shady, flat, paved paths that rarely intersected with the roadways; and the Southern cuisine at Jasmine Porch was excellent, featuring she-crab soup and crab cakes plus bottomless peach iced tea. The beach, as expected, was absolutely stunning, massive at low tide, flat and perfect for walking, cycling, lounging, even bocce playing.

The attitude of the folks manning the security gates, however, was decidedly unwelcoming. Perhaps purposely so?

Cocktails at the Ocean Course

After we returned our bikes, my husband and I decided to have a drink at the Ryder Cup Bar, at the far east end of the island, overlooking the spectacular 18th hole of the Ocean Course. Our waitress at lunch assured us that the bar was open to the public.

There is a second security gate about midway down the island, which controls access to the eastern half of Kiawah. I told the woman at the gate that we were headed to the Ryder Cup Bar.

She saw the pass from earlier in the day on our car’s dashboard and asked us if we had been to the beach. “Um, yes,” I answered. She then told us that we should not have been on the beach. “If we let everyone on the beach, there wouldn’t be enough room for the people who pay a premium for access,” she said.

That did not seem to be remotely a possibility, given the size of the beach here. But I smiled and nodded.

In a more friendly tone, she said she would make an exception for us, and handed us a pass to proceed to the bar. I thanked her while controlling the urge to roll my eyes.

My husband was put off by her attitude that seemed to suggest we weren’t welcome. I was amused, but also confused.

Other than the security staff, everyone we encountered on the island – vacationers, homeowners, wait staff, shopkeepers – were all wonderful and welcoming. They seemed to want us around.

The drive out to the Ocean Course was stunning, past spectacular, multimillion-dollar-plus properties, along live-oak lined roadways that were draped with Spanish moss.

At the end of the drive: the Ryder Cup Bar, where I very much enjoyed a cocktail called a sweet tea mojito. I sipped my beverage and enjoyed the view.

Thirst (and curiosity) quenched, we made our way back west, toward the only public destination on the island, Kiawah Beachwalker Park, part of the Charleston County Parks system (note: parking here is $15).

While technically all beaches in South Carolina are public, private landowners can (and do) restrict access to those beaches.

Beachwalker park provides public access to Kiawah’s entire 10-mile stretch of sand. Theoretically, a visitor could access the beach here and traverse (by foot or bicycle) the entire stretch of the Kiawah coast.

I wasn’t that ambitious, walking perhaps a mile to the island’s western end, where the Kiawah River joins the ocean. I was hoping to see some dolphins strand feeding, a fascinating practice where the dolphins herd fish onto the sand then launch themselves out of the water to eat. Kiawah, nearby Hilton Head and other low-lying coastal regions are among the handful of places throughout the world where this occurs, typically just before or after low tide.

Alas, I didn’t see any dolphins, but the beach was engaging enough – wide and flat and glorious.

I could have walked longer, but my feet were tired, the sun was setting and my hotel was a half hour drive away.

If you go: Kiawah Island, South Carolina

Getting there: Kiawah is about 25 miles southwest of Charleston, an easy drive from the airport or downtown.

Staying overnight: The Sanctuary offers 255 oceanfront rooms, starting at about $500 per night during the summer. Other options include the Andell Inn, part of the Freshfields Village development, just off Kiawah on St. Johns Island.

The island also has hundreds of villas and private homes available to rent via the Kiawah Island Golf Resort or individual owners.

More information: kiawahresort.com, kiawahisland.com, charlestoncvb.com

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What to do for the week of May 17

Live Under the OaksLive Under The Oaks, the free outdoor concert series sponsored by Roper St. Francis Healthcare, has brought free live music to Mount Pleasant Towne Centre every Thursday since April, but time is running out to catch this concert series. Emceed by Johnny O’ of 95SX, this jam-packed lineup of artists and fan-favorite food trucks are set to pack up after next week’s event.May 19. 6-8 p.m. Free. Mount Pleasant Towne Centre. 1218 Belk Drive. Mount Pleasant. ...

Live Under the OaksLive Under The Oaks, the free outdoor concert series sponsored by Roper St. Francis Healthcare, has brought free live music to Mount Pleasant Towne Centre every Thursday since April, but time is running out to catch this concert series. Emceed by Johnny O’ of 95SX, this jam-packed lineup of artists and fan-favorite food trucks are set to pack up after next week’s event.

May 19. 6-8 p.m. Free. Mount Pleasant Towne Centre. 1218 Belk Drive. Mount Pleasant. mtpleasanttownecentre.com

Cars and CoffeeAre you a fan of the classics, or do you appreciate modern comforts and performance? Swing by in your favorite ride or stop by the Village Green at Freshfields Village to browse unique, antique and other cool cars at Cars and Coffee, held every third Saturday of the month. Coffee and breakfast will be available for purchase at Java Java nearby.

May 21. 9-11 a.m. Free. Freshfields Village. 165 Village Green Lane. Kiawah Island. freshfieldsvillage.com

Oh Pearl: The World is Your OysterDeborah Kinard, winner of the 2022 North Charleston Arts Fest Poster Design Competition, displays her winning piece,Memories 222,” along with a collection of new abstract mixed media pieces in an exhibition titled Oh Pearl: The World is Your Oyster. These works are the culmination of her newfound freedom to take the opportunities life provides, and a reminder to celebrate the art found in every day. Kinard recently retired from a career in education after 35 years to pursue her art more fully.

May 4-28. 10 a.m.-6 p.m. Free. Park Circle Gallery. 4820 Jenkins Ave. North Charleston. northcharleston.org

Brewery Bingo NightBangin’ Vegan Eats will be at the Snafu taproom starting at 5 p.m. for some serious pre-Bingo fare ahead of Thursday night’s Bingo game. Pair your pint with crispy fried drizzled buffalo bangers, smothered nachos, loaded up juicy double burgers, Thic Chic signature sandwiches, hot crispy fries and more! Bingo is free to play, and there are prizes every round. The event is pet friendly to boot.

May 19. 5-8 p.m. Free to attend. Snafu Brewing Company. 3280 Industry Drive, Suite A. North Charleston. snafubrewingcompany.com

Boudoir Mini Photography SessionsCelebrate yourself and your individuality while highlighting your personal style. Chucktown Art is hosting boudoir mini photography sessions in Charleston this weekend, with time slots available Sunday afternoon. Packages range from 20-minute sessions with one outfit to 40-minute sessions with multiple outfits. All packages include professional editing for photos.

May 22. 3:30-7 p.m. Prices vary by package. Chucktown Art. Sign up online. chucktownart.com

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