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 Summerville, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Summerville'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 Summerville, 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.
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.
Ask Dan Anything843-478-5612At 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 Summerville, 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 Summerville, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.
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 Summerville, 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 Summerville, SC - Dan Crance.
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.
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.
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.
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.
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 Summerville loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANEditor's note: In collaboration with the Summerville Journal Scene, the Greater Summerville/Dorchester County Chamber of Commerce hosted a candidate forum to provide a platform for candidates in races impacting Dorchester County to share their positions on key local issues. The event occurred Tuesday, Oct. 22, at Faith Sellers Senior Center in Summerville. The following information was compiled from that event.Harriet Holman (R)Deep Commitment: Expressed love for the state and ...
Editor's note: In collaboration with the Summerville Journal Scene, the Greater Summerville/Dorchester County Chamber of Commerce hosted a candidate forum to provide a platform for candidates in races impacting Dorchester County to share their positions on key local issues. The event occurred Tuesday, Oct. 22, at Faith Sellers Senior Center in Summerville. The following information was compiled from that event.
Harriet Holman (R)
Deep Commitment: Expressed love for the state and country, emphasizing her experience on the county council, where she fixed roads and brought in medical assistance. Pledged to work hard for the community.
Education: Advocated for providing students with appropriate learning options and career pathways and encouraging families to invest in their children's education.
Housing: Committed to securing workforce and affordable housing, promising to take necessary actions to ensure housing availability.
Workforce Development: Stressed the importance of education and apprentice programs to give students real-world experience, helping them find and stick with their passions in the workforce.
Closing Remark: Running to provide a new voice for the people, Holman pledged to be responsive and get the job done, advocating for fresh leadership and promising to bring new funding to the district.
Summary: Holman expressed a deep love for her state and country and emphasized her track record on the county council, where she fixed roads and brought medical help. In education, Holman focused on ensuring students have access to appropriate learning and career training options while encouraging family involvement in their children's education. She committed to addressing housing challenges by working hard to secure workforce and affordable housing. Holman emphasized the importance of education and apprentice programs to help students gain experience, find their passion, and stay committed to their careers. In her closing remarks, she positioned herself as a new voice for the district, pledging to be accessible and promising to secure new funding and leadership for the community.
For more information, visit https://www.harrietholman.com/.
Joe Jefferson (D) (incumbent)
Experience: Highlighted 20 years of service in Columbia. He’s a Clemson graduate and an FBI Academy grad. He expressed gratitude for the ongoing support in the House.
Education: Advocated for incentivizing teachers and working with Trident Technical College and other schools to ensure adequate student options and stressed funding for education.
Housing: Acknowledged various housing challenges, stressing the importance of ensuring job availability so people can afford homes and apartments.
Closing Remark: Emphasized his 20-plus years of service in Columbia, urging people to look beyond party affiliation and focus on working together.
Summary: Jefferson, with 20 years of service in the House, emphasized his background as a Clemson graduate and FBI Academy alumnus, currently serving on the Labor, Commerce and Industry Committee and Legislative Oversight Committee. He expressed appreciation for the continued support of his constituents. On education, Jefferson advocated for incentivizing teachers and working with institutions like Trident Technical College to ensure proper options for the future workforce and for funding for schools. In addressing housing challenges, he stressed the need to create jobs so that people can afford homes and apartments. In his closing remarks, Jefferson highlighted his 28 years of experience in Columbia, calling for unity beyond party lines and focusing on working together for the community’s benefit.
For more information, visit https://jefferson102.com/.
CHARLESTON, S.C. (WCBD)- The 2024 general election is quickly approaching, but South Carolina voters will not have to wait until Election Day to cast a ballot.Governor Henry McMaster signed a law in May 2022 that replaces in-person absentee voting with an early in-person voting period for the two weeks leading up to election days.Any registered voter, including those w...
CHARLESTON, S.C. (WCBD)- The 2024 general election is quickly approaching, but South Carolina voters will not have to wait until Election Day to cast a ballot.
Governor Henry McMaster signed a law in May 2022 that replaces in-person absentee voting with an early in-person voting period for the two weeks leading up to election days.
Any registered voter, including those who will be 18 years old by the Nov. 5 general election, can cast a ballot during the early voting period without an excuse.
“Early voting provides a convenient and secure way for you to cast your ballot,” said Howie Knapp, the executive director of the South Carolina Election Commission. “Find an early voting center in your county, vote just like you would at your polling place on Election Day, and have your voice heard.”
Early voting for the 2024 election begins on Monday, October 21, and ends on Saturday, Nov. 2.
Interactive content by Flourish
Here’s what voters need to know:
The ballot will include seven candidates for president, according to officials:
An eighth candidate — Robert F. Kennedy Jr. — was initially nominated by the South Carolina Alliance Party. However, party leaders withdrew him from the ballot in August after he suspended his presidential campaign.
Additionally, each of South Carolina’s seven U.S. House of Representatives seats is up for election.
All 170 seats in the South Carolina state legislature — 124 in the House and 46 in the Senate — are also up for grabs this year. Some are uncontested, however.
Some ballots will also include races for county sheriff, circuit solicitor, probate judge, coroner, school board, and other countywide and local races.
Voters can find out who is on the ballot where they live by obtaining a sample ballot from the South Carolina Election Commission.
South Carolina adopted new state legislative district maps in December 2021 following the 2020 U.S. Census. Some district lines were redrawn, new districts were created, and some districts were eliminated.
Voters can find out which district they live in on the South Carolina legislature’s website.
Each county in South Carolina is required to have at least one polling location open for early voting. Some larger counties may have multiple open locations while smaller counties may have just one early voting site.
Early voting centers are open Monday through Saturday from 8:30 a.m. to 6 p.m. during the early voting period. Early voting is not available on Sunday, Oct. 27.
Here are the early voting locations* in the Lowcountry, by county:
Beaufort County
Berkeley County
Charleston County
Colleton County
Dorchester County
Georgetown County
Orangeburg County
Williamsburg County
You can find the complete list of early voting locations in every South Carolina county here.
Editor’s Note: The list of early voting centers may be updated as additional information becomes available.
A valid photo ID is required to vote in South Carolina elections, including during the early voting period. Acceptable forms of identification include:
State law requires an individual to register to vote at least 30 days before an election.
The deadline to register for the 2024 election is Monday, Oct. 14.
There are several ways you can register to vote in South Carolina:
1 – South Carolinians can register online by visiting scvotes.gov before midnight on Oct. 14. You will need your South Carolina Driver’s License or DMV ID card.
2 – Download a voter registration form from scvotes.gov. Complete and return the form to your county voter registration office either by fax or email before midnight on Oct. 14, or by mail – but it must be postmarked by Oct. 14.
3 – Register in person at your county voter registration office. Remember: most offices close at 5 p.m. for in-office registration.
Voters can check their registration status by visiting scvotes.gov.
As Election Day nears, you can count on News 2 as your Local Election Headquarters to keep you up-to-date on the latest from the campaign trail.
SUMMERVILLE, S.C. (WCSC) - A new resource connection center had its grand opening in Dorchester County.Trident United Way opened a location in the Summerville area, hoping to get people back on their feet.“From many of the families that we see, they’re working one sometimes multiple jobs. We want their children to be in a stable place so they can continue to remain in the same school, continue to learn and ultimately that our neighborhood can thrive ...
SUMMERVILLE, S.C. (WCSC) - A new resource connection center had its grand opening in Dorchester County.
Trident United Way opened a location in the Summerville area, hoping to get people back on their feet.
“From many of the families that we see, they’re working one sometimes multiple jobs. We want their children to be in a stable place so they can continue to remain in the same school, continue to learn and ultimately that our neighborhood can thrive by making sure every neighbor is financially secure knowing where their next meals are going to be and that they’re able to stay in their home,” Trident United Way President and CEO, DJ Hampton said.
Hampton says this resource center has taken time to open the doors for those in financial distress.
“So for those families who are working hard every day, struggling to make ends meet, it’s a place where they can come and get additional help and services,” Hampton said.
After looking at their database, Hampton said there’s about 40% of the community that are above the poverty line yet struggle significantly financially.
“There’s a large cross-section in our community that’s on the brink of financial disaster so all of those citizens have a resource center right here,” Summerville Mayor, Russ Touchberry said.
Touchberry explained that though he did not play as big of a role as others, he has referenced many to the organization and is hopeful for what this may bring.
“I’ve connected folks to the 211 program and connected them directly to them and they always get taken care of. It always makes folks feel special,” he said.
Trident United Way partnered with about a dozen non-profits to help provide opportunities for Summerville families.
While choosing which partners, Hampton says they had to consider their data to also cater to the needs of the community.
“We know health care can be a real challenge for people to access here, so we’ve partnered with mobile clinics from MUSC and roper to come and actually provide medical for those families while they’re already here,” Hampton said.
The center has office spaces for seminars or meetings, computers, school supplies and food.
“Then we help them get it in one stop. So instead of spending weeks going to multiple places, they’re able to get it one place. Which ultimately means they’re most likely to get services and they’re more likely to get the help they need to stay stable,” Hampton said.
Hampton also explained they can help with taxes.
He said every year, they complete about 1,200 to 1,300 tax returns for families, so any family that makes less than 73,000 dollars a year are eligible for the opportunity to have their taxes done for them.
“I hope when people get in there, they feel comfortable. They feel empowered and supported, and then from that they can be successful in our community,” Touchberry said.
The hours for the new location are Monday through Thursday 8:30 a.m.-4 p.m.
They will then accept appointments on Friday.
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