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 West Columbia, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - West Columbia'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 West Columbia, 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 West Columbia, 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 West Columbia, 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 West Columbia, 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 West Columbia, 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 West Columbia loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANA Midlands barbecue joint once again has found itself in the national spotlight.City Limits Barbeque, located at 1119 Methodist Park Road in West Columbia, was listed Monday on The New York Times 2024 Restaurant List, an annual affair that tallies 50 of the paper’s favorite restaurants in the U.S. City Limits was the only Midlands restaurant to make this year’s list. The only other South Carolina rest...
A Midlands barbecue joint once again has found itself in the national spotlight.
City Limits Barbeque, located at 1119 Methodist Park Road in West Columbia, was listed Monday on The New York Times 2024 Restaurant List, an annual affair that tallies 50 of the paper’s favorite restaurants in the U.S. City Limits was the only Midlands restaurant to make this year’s list. The only other South Carolina restaurant that made the cut was Lost Isle in Johns Island.
“(Pitmaster Robbie Robinson’s) vinegary South Carolina-style chopped pork sandwich is a master class, with crisp bits of cracklings mixed into the luscious meat, at its best topped with a proper scoop of slightly creamy, finely chopped coleslaw,” Kim Severson writes in the New York Times Restaurant List entry for City Limits. “He veers expertly into Texas territory, too. Snappy Hill Country sausages and meaty beef ribs sell out early. Don’t sleep on the warm peach cobbler, either.”
Robinson started City Limits as a food truck back in 2016. Then, in 2023, City Limits found a more permanent, brick-and-mortar location on Methodist Park Road in West Columbia. Known for its Texas-style brisket, Carolina-style pulled pork and decadent side dishes, the restaurant received national acclaim earlier this year, as Robinson was a finalist for Best Chef-Southeast at the heralded James Beard Foundation Awards. And in August, it was listed at No. 4 on Southern Living’s Best New BBQ Joints list.
Robinson shared an Instagram story on Tuesday morning from the restaurant, expressing gratitude for his family, employees and friends amid the continued acclaim the restaurant has received.
“When we get a little attention, I’m thankful,” Robinson said on the social media video. “I’m so thankful. ... We are not going to stop grinding away and trying to do what we do. ... I’m going to wake up every day, grind, and serve y’all the best bite of food that I can.”
On the local front, City Limits is listed on The State’s restaurant guide of 50 essential eateries in the Midlands. The restaurant is typically only open on Saturdays and Sundays.
This story was originally published September 24, 2024, 11:44 AM.
The $40M investment aims to address foul odors and earthy taste in Lake Murray's water.More VideosWEST COLUMBIA, S.C. — The City of West Columbia, the Town of Lexington, and the Joint Municipal Water and Sewer Commission are collaborating to address taste and odor concerns of water at Lake Murray.Now, s...
The $40M investment aims to address foul odors and earthy taste in Lake Murray's water.
WEST COLUMBIA, S.C. — The City of West Columbia, the Town of Lexington, and the Joint Municipal Water and Sewer Commission are collaborating to address taste and odor concerns of water at Lake Murray.
Now, solutions are available.
West Columbia Director of Engineering and Water Plants Andy Zaengle said the earthy taste and smell of water are caused by recent weather patterns, including heavy rainfall, increased runoff and high temperatures, which have created more algal blooms.
“These two different types of algae, when they die and decay and their cell ruptures, they release two organic compounds of MIB [methylisoborneol] and geosmin, and they get into the water that is water creates that earthy taste and smell in the water,” Zaengle said.
He said tests began in 2019 to better understand the different elements occurring in Lake Murray, all of which were brought to light by customers.
One customer who lives on the lake recalled the funny smell she noticed a few months ago.
“On windy days, especially, we noticed a very foul smell and fishy odor coming from the lake, which I sort of have always been told, 'Oh, it's just the lake, so it's normal,' but it's not a nice smell,” she said.
The solution is incorporated into the Lake Murray Water Treatment Plant expansion, which includes a $40 million investment in ozonation technology specifically designed to address taste and odor issues.
Zaengle described it as an ozone treatment that breaks down compounds that cause earthy tastes and smells. It also has the added benefit of killing viruses and bacteria without additional chemicals.
“Ozone is a gas, so we are going to inject it into the water, and then we take that and put that into a much larger holding tank and let it mix," Zaengle said. "So, we dissolve the gas into water, and it oxidizes those compounds.”
Officials said the water is safe to drink. However, customers are encouraged to filter water and let it chill overnight before use.
They added that the proposed solutions are slated for fall 2027.
WEST COLUMBIA, S.C. (WIS) - West Columbia’s Riverwalk will remain closed after the park experienced extensive flooding due to rising water levels following Helene.The Riverwalk fell victim to flooding from the Congaree River as water rose to just over 30 feet Monday.“I know folks are eager to get back out because it’s such a valuable asset, but it’s just not safe to get and we need a little bit of time to get it there,” said West Columbia Mayor Tem Miles.The water now is continuing to recede...
WEST COLUMBIA, S.C. (WIS) - West Columbia’s Riverwalk will remain closed after the park experienced extensive flooding due to rising water levels following Helene.
The Riverwalk fell victim to flooding from the Congaree River as water rose to just over 30 feet Monday.
“I know folks are eager to get back out because it’s such a valuable asset, but it’s just not safe to get and we need a little bit of time to get it there,” said West Columbia Mayor Tem Miles.
The water now is continuing to recede making the Riverwalk visible once again.
The flooding left mud, water damage and a long list of repairs for the city; however, Miles said despite the significant damage, the park will reopen, though it will not be any time soon.
“At this point, it’s hard to tell exactly how much damage we have, we are expecting some significant damage,” Miles said. “We haven’t been able to complete inspections of the wooden bridges and that has to be done before we can open it up.”
The first step into beginning the rebuild began on Thursday and included cleaning all of the mud. Crews have been actively power-washing debris off the amphitheater and walking trails.
Following the clean-up, an assessment will be conducted to determine necessary repairs.
“If you go beyond where we are that’s already been cleaned it’s coated in mud, it’s slick, there’s debris everywhere, there are parts of light poles that are leaning, if you look back behind us there is a fence that’s made to prevent folks from falling and its leaning. It’s just not a safe environment right now,” Miles said.
Miles said light polls are knocked over, signage and benches need replacing, and water remains under some raised pathways.
The city said they plan to seek federal and state assistance to pay for the damages.
“We are always optimistic and hopeful that it’s not going to take a long time, but we have had periods after different flooding events where sections were closed down for a period of a time,” Miles said.
In the meantime, the city is asking residents to obey the no-trespassing signs and remain off the Riverwalk until it can re-open.were
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Before Tropical Storm Debby rolled through South Carolina — canceling, among other things, an August public hearing concerning a controversial West Columbia development — city leaders were set to consider the plan for as many as 95 townhomes along a two-lane road set back from Sunset Boulevard/U.S. 378.Another public hearing was scheduled and canceled before West Columbia’s City Council and Planning Commission m...
Before Tropical Storm Debby rolled through South Carolina — canceling, among other things, an August public hearing concerning a controversial West Columbia development — city leaders were set to consider the plan for as many as 95 townhomes along a two-lane road set back from Sunset Boulevard/U.S. 378.
Another public hearing was scheduled and canceled before West Columbia’s City Council and Planning Commission met earlier this week to finally consider the project, which now looks a lot different.
Instead of about 90 townhomes, the developers are proposing 55 detached single-family houses on what is currently a grassy 10-acre plot on Comanchee Trail with a small house and four large towers previously used for radio broadcasting. The property sits on the edge of the Saluda Gardens neighborhood and backs up to the Edgewater condominium complex.
The Planning Commission voted Monday to recommend the project and the Town Council will hold an initial vote on it next month.
Members of the public who attended the public hearing still expressed worries, largely keying on traffic given the limited access from Sunset Boulevard and what they see as already poor roads in the neighborhood. But the reduced proposal does seem to allay concerns from local leaders that 90 homes was just too many for that particular spot.
The property is already zoned such that 55 homes could be built on it. The developers are seeking to enter into an agreement with the city so that the current owner, communications company Vertical Bridge, has the ability to keep a tower on the property. That commercial parcel could end up being used for other purposes, the developers said, mentioning possibilities such as a cafe or coffee shop.
“They came with a plan for 188 apartments,” Mayor Tem Miles said of what was initially proposed for the property. “It was pretty obvious that it wasn’t going to go anywhere. And they came with a plan for 90. And it was pretty obvious that wasn’t going to go anywhere. And then through discussions, it became kind of their best idea to go with the current zoning density, and they’re seeking approval for it. The favored mechanism for that approval is [this agreement] because we can get additional upgrades that are required.”
The agreement mandates high-quality building materials, which the mayor said will keep it from being a “vinyl village,” as well as vegetative buffers along Comanchee Trail. Developers noted that green space in the neighborhood will be set aside for a small, fenced-in park, adding that the homes will likely be sold for between $255,000 and $300,000.
Increasing traffic in the area has been a concern throughout the process, but developers and city leaders said the 55-home plan shouldn’t have much of an impact. The property has just two close-by outlets to Sunset Boulevard in Park Lane and North Lucas Street, both two-lane roads.
Shawn Escobar with Cross Engineering, which is developing the project, said that the 55 homes should only put 23 additional cars on the road during peak morning hours and 29 during peak afternoon/evening hours. The S.C. Department of Transportation doesn’t list an average daily traffic count for Comanchee Trail, but it does list counts for North Lucas Street (1,800) and Seminole Drive (1,150), which intersects Comanchee further into the Saluda Gardens neighborhood and connects to Sunset Boulevard.
One resident asked why the city couldn’t just rezone the property to become a park, to which the mayor responded that property owners have rights to sell or develop their land as they see fit.
“My problem, we hear it a lot, is, ‘Well, this should be a park. This should be this. This should be that,’ ” City Councilman Jimmy Brooks said. “It’s my understanding that everybody in this room had an opportunity to buy that property. It probably cost more money than most of us would ever want to pay for that property. I have no idea what they’re paying for it. But when somebody comes and says, ‘Well, it should be a park,’ when they buy that property, as the mayor says, they are buying it with the assumption that that property is going to be [zoned as it is] and they’re going to be able to build what they have now.”
Proposed Development on Comanchee Trail in West Columbia
Leaflet | © OpenStreetMap contributors
This story was originally published September 20, 2024, 11:04 AM.