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Want to buy a $700,000 home in retirement — but only have $550,000?
This one strategy could make it happen — with no monthly mortgage payment.

In this episode of Real Talk Hilton Head, David and Dale Cross sit down with Jim Davidson and Paul Donahue to uncover the truth about Lifestyle Home Loans (also known as Home Equity Conversion Mortgages for Purchase or HECM).

✅ FHA-insured and backed by Mutual of Omaha
✅ No required monthly mortgage payments
✅ Retain ownership of the home
✅ Unlock trapped home equity
✅ Preserve your retirement savings and maximize your lifestyle

💡 Whether you're relocating, downsizing, or dreaming of a home in the Lowcountry, this episode could change everything you thought you knew about buying a home in retirement.

📞 Have questions? Contact us at info@DavidDale.com or call 843-533-8125
🌐 Learn more at: https://www.RealTalkHHI.com
🎧 Listen on Buzzsprout: https://realtalkhhi.buzzsprout.com
📺 Subscribe for more: https://www.youtube.com/@RealTalkHHI

Chapters: 0:00 Intro: The $700K Dream on a $500K Budget
3:00 What Is a Lifestyle Home Loan (HECM)?
7:00 Why Most Retirees Have Never Heard of This
13:00 Equity Has Zero ROI Until You Unlock It
22:00 The #1 Fear in Retirement
30:00 The Real Estate Impact & Tax Implications
40:00 What Happens When You Leave the Home?
47:00 Can You Buy a Duplex or Triplex with a HECM?
55:00 The 3 Keys to a Successful Retirement Strategy
1:03:00 Final Thoughts + How to Learn More

📍 Serving buyers and sellers across Hilton Head, Bluffton, Beaufort, and Savannah.

#RetirementHome #HECM #HiltonHeadRealEstate #RealTalkHHI #ReverseMortgage #LowcountryLifestyle #RealEstatePodcast #MortgageTips

Real Talk Hilton Head | The Real Estate Lifestyle Podcast of Coastal Carolina
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For any questions or inquiries regarding this video, please reach out to DavidDale@RealTalkHHI.com
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Thank you for tuning in to Real Talk Hilton Head!

👉 Explore More: Visit our website at www.RealTalkHHI.com to learn more about us. To find out more aoubt our real estate services, and the incredible Lowcountry lifestyle visit www.DavidDale.com.

👉 Stay Connected: Follow us on social media for updates, behind-the-scenes content, and local insights:

• Instagram: @RealTalkHiltonHead
• Facebook: Real Talk Hilton Head
• YouTube: Real Talk Hilton Head

👉 Contact Us: Have questions about moving to Hilton Head or want to connect? Email us at Info@DavidDale.com.

🎙️ Don’t forget to subscribe, leave a review, and share this episode with friends who love the Lowcountry!

Send us a text

What if you could shed pounds, banish chronic pain, and reclaim your vitality without relying on prescriptions or fad diets? In this transformative episode of Real Talk Hilton Head, hosts David and Dale Cross share their incredible journey of losing a combined 70 lbs and reversing inflammation with the guidance of holistic wellness experts Dr. Bradley Morris and Dr. Mary Oladoo. Discover how to tap into your body’s natural intelligence to heal, thrive, and take control of your health. From uncovering root causes to practical steps you can start today, this episode is your roadmap to a vibrant life. Don’t miss the weight loss insights about an hour in!

Discover the powerful truth about your body’s natural intelligence to heal when you support it with the right tools:
🔎 Root-cause medicine (not symptom-chasing)
🧠 Emotional & spiritual health as the missing link
🌿 Functional medicine & holistic detox
🛑 The dark side of Ozempic, Tylenol, and common meds

You’ll learn how to start your transformation with real food, smart supplementation, and the guidance of practitioners who look at the whole person.

✅ This episode could change your life — or someone you love.

📞 Connect with our guests:
Dr. Mary Oladun – https://www.trileraholisticcare.com/
Dr. Bradley Morris – https://www.drbradmorris.com/

💬 Drop your questions in the comments!
🎧 Subscribe to Real Talk Hilton Head for more conversations about living well in the Lowcountry.

#WeightLossJourney #FunctionalMedicine #RealTalkHiltonHead #HolisticHealth #Inflammation #ReverseDisease #NaturalHealing #LowcountryLiving #OzempicSideEffects #NoMorePills


Real Talk Hilton Head | The Real Estate Lifestyle Podcast of Coastal Carolina
SUBSCRIBE OR WE MAY CRY…NOT REALLY!
For any questions or inquiries regarding this video, please reach out to DavidDale@RealTalkHHI.com
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Thank you for tuning in to Real Talk Hilton Head!

👉 Explore More: Visit our website at www.RealTalkHHI.com to learn more about us. To find out more aoubt our real estate services, and the incredible Lowcountry lifestyle visit www.DavidDale.com.

👉 Stay Connected: Follow us on social media for updates, behind-the-scenes content, and local insights:

• Instagram: @RealTalkHiltonHead
• Facebook: Real Talk Hilton Head
• YouTube: Real Talk Hilton Head

👉 Contact Us: Have questions about moving to Hilton Head or want to connect? Email us at Info@DavidDale.com.

🎙️ Don’t forget to subscribe, leave a review, and share this episode with friends who love the Lowcountry!

Send us a text

How to Boat Hilton Head Without Owning One in Hilton Head! 🌊 Love being on the water but hate the cost and hassle of owning a boat? In this episode of Real Talk Hilton Head, we’re revealing how you can enjoy boating in the Lowcountry without ever buying a boat—thanks to Carefree Boat Club!

🏝️ Our expert guests break down:
✅ How a boat club works and why it’s a game-changer
✅ The real cost of boat ownership vs. membership savings
✅ The best boats for fishing, tubing, or cruising the May River & Skull Creek
✅ How members get unlimited access to boats—without maintenance or storage headaches
✅ Nationwide & Caribbean boat club access for members who love to travel

Thinking of buying a boat? Watch this first! 🎧
👉 Join our Facebook Group Today! https://www.facebook.com/groups/970117688379831
🎙️ Listen on Spotify/Apple Podcasts: https://realtalkhhi.buzzsprout.com
🔗 Learn More About Carefree Boat Club: https://pbmarinahhi.com/carefree-boat-club-hilton-head-sc/

💡 Subscribe for more Hilton Head lifestyle, real estate, and insider tips! www.RealTalkHHI.com

#HiltonHead #BoatingLife #BoatClub #LowcountryLiving #RealTalkHiltonHead #HiltonHeadIsland #BoatingWithoutOwningReal
Talk Hilton Head | The Real Estate Lifestyle Podcast of Coastal Carolina
SUBSCRIBE OR WE MAY CRY…NOT REALLY!
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Thank you for tuning in to Real Talk Hilton Head!

👉 Explore More: Visit our website at www.RealTalkHHI.com to learn more about us. To find out more aoubt our real estate services, and the incredible Lowcountry lifestyle visit www.DavidDale.com.

👉 Stay Connected: Follow us on social media for updates, behind-the-scenes content, and local insights:

• Instagram: @RealTalkHiltonHead
• Facebook: Real Talk Hilton Head
• YouTube: Real Talk Hilton Head

👉 Contact Us: Have questions about moving to Hilton Head or want to connect? Email us at Info@DavidDale.com.

🎙️ Don’t forget to subscribe, leave a review, and share this episode with friends who love the Lowcountry!

Send us a text

Discover a new approach to self-care with the essentials of longevity and wellness. Learn how to prioritize your health and well-being in this informative video. When people move to the Lowcountry, they’re not just looking for a house—they’re looking for a lifestyle. Pulseology & Elite Training Center are on a mission to redefine what health and fitness mean, making it accessible for everyone.

In this episode, we dive deep into the philosophy of fitness beyond weight loss—how movement, mindset, and community create true longevity and wellness. Owners Scott Otwell and Chris Knight share their personal fitness journeys, the science behind their approach, and how their programs help everyone from elite athletes to retirees looking for more energy and independence.

We also discuss:
✅ Why fitness is about more than muscle—it’s about mobility, vitality, and mindset.
✅ The key habits of people who live longer, healthier lives.
✅ How Pulseology fosters an authentic, supportive fitness community.
✅ The role of physical therapy, massage, group training, and personal coaching in a well-rounded approach to wellness.
✅ How kids, families, and seniors alike benefit from their tailored programs.

This is an episode packed with inspiration and practical advice for anyone looking to enhance their quality of life in Hilton Head and beyond!

👀 Subscribe & Follow for more insider conversations on Hilton Head’s real estate, lifestyle, and wellness scene!"*

Real Talk Hilton Head | The Real Estate Lifestyle Podcast of Coastal Carolina
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For any questions or inquiries regarding this video, please reach out to DavidDale@RealTalkHHI.com
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Looking to buy or sell in The Low Country! Look no further than The David Dale Team at EXP Realty
We have the network to connect you, a strategy that suits you and the systems and team to support you. Above all, we are a companion that will GUIDE YOU…We are David Dale!

David & Dale Cross, Realtors© | Team Lead – Director of Operations
The David Dale Team | Brokered by EXP Realty | License #106929

Hilton Head Island – Bluffton – Beaufort
Residential I Investment I Commercial
www.DavidDale.com | Info@DavidDale.com
843.298.2052
We’re Hiring! – Learn More About eXp Realty

Support the show

Thank you for tuning in to Real Talk Hilton Head!

👉 Explore More: Visit our website at www.RealTalkHHI.com to learn more about us. To find out more aoubt our real estate services, and the incredible Lowcountry lifestyle visit www.DavidDale.com.

👉 Stay Connected: Follow us on social media for updates, behind-the-scenes content, and local insights:

• Instagram: @RealTalkHiltonHead
• Facebook: Real Talk Hilton Head
• YouTube: Real Talk Hilton Head

👉 Contact Us: Have questions about moving to Hilton Head or want to connect? Email us at Info@DavidDale.com.

🎙️ Don’t forget to subscribe, leave a review, and share this episode with friends who love the Lowcountry!

Send us a text

Thinking about retiring in the Lowcountry? Here’s what you NEED to know before making the move! 🌴 Watch this video to learn 3 things (& more) no one told them before moving. Retirement in the Lowcountry can be a dream come true!

In this episode of Real Talk Hilton Head, we sit down with retirees who left behind their fast-paced lives for the charm of Hilton Head & Bluffton, South Carolina—only to discover some BIG surprises along the way! 😲 They built a new home in an Active Adult Community - Four Seasons at Carolina Oaks (KHovnanian) and share the lessons they learned.

Whether you're considering a move to a 55+ active adult community, downsizing for retirement, or dreaming of a Lowcountry lifestyle, this video covers the 3 most unexpected things retirees wish they had known before making the leap.

🚨 What We Cover in This Episode:
🏡 The #1 thing they overlooked when researching 55+ communities
🌴 How the Lowcountry lifestyle is different than they expected
📦 What they wish they had downsized BEFORE moving
🚤 The hidden benefits & challenges of coastal retirement
🤯 Why researching & visiting more than once made all the difference

👉 If you're planning a move to South Carolina, especially Hilton Head, Bluffton, or Sun City, this episode is a MUST-WATCH before making any big decisions!
Real Talk Hilton Head | The Real Estate Lifestyle Podcast of Coastal Carolina
SUBSCRIBE OR WE MAY CRY…NOT REALLY!
For any questions or inquiries regarding this video, please reach out to DavidDale@RealTalkHHI.com

Thank you for tuning in to Real Talk Hilton Head!

👉 Explore More: Visit our website at www.RealTalkHHI.com to learn more about us. To find out more aoubt our real estate services, and the incredible Lowcountry lifestyle visit www.DavidDale.com.

👉 Stay Connected: Follow us on social media for updates, behind-the-scenes content, and local insights:

• Instagram: @RealTalkHiltonHead
• Facebook: Real Talk Hilton Head
• YouTube: Real Talk Hilton Head

👉 Contact Us: Have questions about moving to Hilton Head or want to connect? Email us at Info@DavidDale.com.

🎙️ Don’t forget to subscribe, leave a review, and share this episode with friends who love the Lowcountry!

Send us a text

Are you buying or selling a home in South Carolina? Avoid legal pitfalls in South Carolina real estate with this prep guide. Learn how to navigate the real estate market and protect yourself as a buyer or seller. Wondering about estate planning, property taxes, title insurance, or closing costs? This episode of Real Talk Hilton Head is a must-listen! 🎧

We sat down with Natalia Chandler and Tom McNutt, both of Butler & College to break down:
✅ Why South Carolina requires attorneys at real estate closings
✅ The differences between the 4% vs. 6% property tax rates 🏠
✅ What you need to know about title insurance
✅ Tips to avoid wire fraud during real estate transactions 🔑
✅ How to update your estate plan after moving to SC

👉 Watch the full episode on YouTube: https://youtu.be/aMp7xDeJAks
🔎 Whether you're relocating, planning for retirement, or just curious about the South Carolina real estate process, we've got you covered! 🌴🏡

💬 Drop your questions below or message us—we're here to help you navigate your Lowcountry home journey! 🙌

Real Talk Hilton Head | The Real Estate Lifestyle Podcast of Coastal Carolina
SUBSCRIBE OR WE MAY CRY…NOT REALLY!
For any questions or inquiries regarding this video, please reach out to DavidDale@RealTalkHHI.com
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Change your settings to watch in 4K High Definition |
Looking to buy or sell in The Low Country! Look no further than The David Dale Team at EXP Realty
We have the network to connect you, a strategy that suits you and the systems and team to support you. Above all, we are a companion that will GUIDE YOU…We are David Dale!

David & Dale Cross, Realtors© | Team Lead – Director of Operations
The David Dale Team | Brokered by EXP Realty | License #106929

Hilton Head Island – Bluffton – Beaufort
Residential I Investment I Commercial
www.DavidDale.com | Info@DavidDale.com
843.298.2052
We’re Hiring! – Learn More About eXp Realty

Support the show

Thank you for tuning in to Real Talk Hilton Head!

👉 Explore More: Visit our website at www.RealTalkHHI.com to learn more about us. To find out more aoubt our real estate services, and the incredible Lowcountry lifestyle visit www.DavidDale.com.

👉 Stay Connected: Follow us on social media for updates, behind-the-scenes content, and local insights:

• Instagram: @RealTalkHiltonHead
• Facebook: Real Talk Hilton Head
• YouTube: Real Talk Hilton Head

👉 Contact Us: Have questions about moving to Hilton Head or want to connect? Email us at Info@DavidDale.com.

🎙️ Don’t forget to subscribe, leave a review, and share this episode with friends who love the Lowcountry!

Send us a text

Growing up on Hilton Head Island...Stories ONLY LOCALS know. Local Secrets, Iconic Spots, & Unforgettable Stories!

Discover the inside stories and hidden gems of growing up on Hilton Head as a local. Get a taste of the true Hilton Head experience in this video! Join us in this captivating episode of Real Talk as we delve into the heart of Hilton Head Island with two esteemed locals.

Special highlight: Uncover the rich history behind the iconic Skull Creek Boathouse. Learn how one guest's grandfather built this renowned establishment, transforming it into a must-visit destination for millions of tourists each year.

Tune in for an insider's perspective on life in Hilton Head, filled with personal anecdotes, local secrets, and the timeless allure of the island.

Thank you for tuning in to Real Talk Hilton Head!

👉 Explore More: Visit our website at www.RealTalkHHI.com to learn more about us. To find out more aoubt our real estate services, and the incredible Lowcountry lifestyle visit www.DavidDale.com.

👉 Stay Connected: Follow us on social media for updates, behind-the-scenes content, and local insights:

• Instagram: @RealTalkHiltonHead
• Facebook: Real Talk Hilton Head
• YouTube: Real Talk Hilton Head

👉 Contact Us: Have questions about moving to Hilton Head or want to connect? Email us at Info@DavidDale.com.

🎙️ Don’t forget to subscribe, leave a review, and share this episode with friends who love the Lowcountry!

Send us a text

Take a peek inside Sun City Hilton Head with this video tour! Learn about the new construction, $45M amenities, and 55+ lifestyle in this popular South Carolina community. If you're considering living in Sun City Hilton Head, this video will give you all the insider info you need!

🏡 Sun City Hilton Head by Del Webb is the #1 active adult 55+ community in the Lowcountry, and in this episode of Real Talk Hilton Head, we sit down with INSIDER new home sales experts to break down everything you MUST KNOW before buying a new construction home here!

👉 What You’ll Learn in This Episode:
✅ The step-by-step process of buying new construction at Sun City Hilton Head
✅ What builders WON’T tell you about pricing, upgrades & incentives
✅ How to book an exclusive "Try Before You Buy" stay with a golf cart included! 🚲🏡
✅ The brand-new $45 MILLION amenity center—what’s inside & why it’s a game changer! 🏊‍♂️🎾🏋️‍♂️
✅ The future of golf cart living, new shopping centers & the NEW golf cart bridge!
✅ What makes Sun City Hilton Head the ULTIMATE 55+ lifestyle community?

💡 If you’re considering a move to the Lowcountry, THIS is the ultimate guide to Sun City Hilton Head!

Thank you for tuning in to Real Talk Hilton Head!

👉 Explore More: Visit our website at www.RealTalkHHI.com to learn more about us. To find out more aoubt our real estate services, and the incredible Lowcountry lifestyle visit www.DavidDale.com.

👉 Stay Connected: Follow us on social media for updates, behind-the-scenes content, and local insights:

• Instagram: @RealTalkHiltonHead
• Facebook: Real Talk Hilton Head
• YouTube: Real Talk Hilton Head

👉 Contact Us: Have questions about moving to Hilton Head or want to connect? Email us at Info@DavidDale.com.

🎙️ Don’t forget to subscribe, leave a review, and share this episode with friends who love the Lowcountry!