“We recently purchased a lot in Palmetto Dunes in which we are going to build our dream retirement home. Choosing Phil Schembra as our realtor proved to be the best decision we ever made! His knowledge and relationships with trustworthy loan officers, contractors, architects, etc. on Hilton Head Island is unmatched, which helped us navigate what can be a tricky process, very smoothly. Phil treated us with such kindness that we felt we were more than just clients…we are now his friends.