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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 Cocoa Beach, FL, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Cocoa Beach'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 Cocoa Beach, 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 Services for Eric Gibson
Mortgage Broker for Kimberlee Puccio
Mortgage Company for Seth Seal
Refinancing for Rose Griest
Mortgage Lending Service for Michael McIntyre
Home Ready Mortgages for Ed Jones
Mortgage Lender for Ryan Moreau
Mortgage Services for Laura Fogarty
Mortgage Broker for Adam Jordan
Mortgage Company for Carolina Jordan (Lowcountry Home Sales)
Mortgage Lender for Stephen Lowe
Mortgage Lending Service for Glenn Shepard
Home Ready Mortgages for Manny Roblesreynoso
Mortgage Lender for Bernie H. Hester III
Mortgage Services for Tammy R Stephens
Why Choose Dan Crance As Your Mortgage Lender in Cocoa Beach, FL?
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 Anything843-478-5612
Home Financing in Cocoa Beach, FL
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 Cocoa Beach, 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 Cocoa Beach, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.
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.
Ask Dan Anything843-478-5612
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 Cocoa Beach, FL.
Refinancing in
Cocoa Beach, FL
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 Cocoa Beach, FL - 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:
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
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
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.
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.
Trust Dan Crance
Your Mortgage Lender in Cocoa Beach, FL
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 Cocoa Beach loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANLatest News in Cocoa Beach, FL
Plan to give new Cocoa Beach hotel exclusive use of public park withdrawn
James Sparverohttps://www.clickorlando.com/news/local/2024/10/21/new-cocoa-beach-hotel-wants-exclusive-use-of-public-park/
Westin expected to open in 2027COCOA BEACH, Fla. – Brevard County commissioners Tuesday decided to withdraw consideration of a plan to give a new 4-star hotel exclusive use of a public beach park in Cocoa Beach.The Westin will be Brevard County’s only 4-star hotel when it opens in 2027, and it’s already on the largest hotel property in Cocoa Beach (the old International Palms site).Commissioners decided the proposal needed some work before consideration.The plan would have give...
Westin expected to open in 2027
COCOA BEACH, Fla. – Brevard County commissioners Tuesday decided to withdraw consideration of a plan to give a new 4-star hotel exclusive use of a public beach park in Cocoa Beach.
The Westin will be Brevard County’s only 4-star hotel when it opens in 2027, and it’s already on the largest hotel property in Cocoa Beach (the old International Palms site).
Commissioners decided the proposal needed some work before consideration.
The plan would have given the hotel exclusive access to the south half of Lori Wilson Park for up to 100 days a year, including renting all of the park for up to 12 days a year for Westin events.
It would include closing the park’s dog park on the south side by the construction site, so long as Westin builds a new dog park on the north side of Lori Wilson.
Dozens spoke during the public hearing for the proposal, with many in opposition to the plan.
Dog park regular Sandra Dzurek is worried about parking.
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”They want the park for 100 days between November and April. This park is so busy during (that) season,” she said. “And if we’re forced to go to the north park, there’s going to be no parking. So many of the people come here, drive here for the dog park.”
At a county commission meeting two years ago, Commissioner John Tobia was the only county commissioner who did not wish to give Westin $1 million a year, every year for 30 years from tourism-generated money.
On Monday, Tobia said he’s in favor of the proposal, though.
“There’s more in it for the taxpayers, as well as the visitors of Brevard County,” he said.
Tobia said those benefits would include the potential dog park, which he called an upgrade to what the park has now.
“It will be new and will have a whole bunch of amenities that it currently does not have,” he said.
After Tuesday’s commission meeting, the hotel’s developer, Driftwood Capital, also told News 6 reporter James Sparvero that a new dog park would benefit the community.
Project engineer Hector Arechiga blamed the public’s negative reaction to the plan on miscommunication.
”People were thinking that we were gonna take over the parking, which we’re not,” he said. “People were thinking that we were gonna own the park, which we’re not.”
Arechiga said the hotel will now meet with county commissioner Tom Goodson, who represents Cocoa Beach, and get started on a new plan.
“So I think there is an exercise where we all really communicate what we need and what we need to meet with the community,” he said.
Other concerns for building a new dog park include harming gopher tortoise nests.
It’s not known whether the commission will revisit the plan in the future.
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Pushback grows over Cocoa Beach resort's plan to rent public park for up to 100 days a year
Esther Bowerhttps://www.fox35orlando.com/news/pushback-grows-over-cocoa-beach-resorts-plan-rent-public-park-up-100-days-year
Pushback growing on resort's plan to rent parkA new $400 million-plus hotel in Cocoa Beach is facing opposition to its plans to rent a nearby public park for up to 100 days a year.COCOA BEACH, Fla. - A new $400 million-plus hotel in Cocoa Beach is facing opposition to its plans to rent a nearby public park for up to 100 days a year.People aren’t frustrated with the property under construction, but some say a private company shouldn’t have "dibs" on a public piece of land.&q...
Pushback growing on resort's plan to rent park
A new $400 million-plus hotel in Cocoa Beach is facing opposition to its plans to rent a nearby public park for up to 100 days a year.
COCOA BEACH, Fla. - A new $400 million-plus hotel in Cocoa Beach is facing opposition to its plans to rent a nearby public park for up to 100 days a year.
People aren’t frustrated with the property under construction, but some say a private company shouldn’t have "dibs" on a public piece of land.
"We all have such a negative feeling about it," said Janice Scott, a former Cocoa Beach mayor pushing back on the park proposal.
She has negative feelings about a contract between the hotel and Brevard County. It would give the hotel exclusive use of the south part of Lori Wilson Park for up to 100 days a year.
"You have so much going on your property. Just leave our public space alone," said the former mayor.
She isn’t alone. Many people have taken to social media about "Saving Lori Wilson Park."
"This is a public park. This is for the people. This is for our visitors. This is for our tourism product. This is not just for one hotel chain," said Sandra Sullivan.
FOX 35 News took these concerns to the developer for a response for those who feel this is a gross misuse of public space.
Carlos Rodriguez, the chairman and CEO of Driftwood Capital, said, "What I want to say is, they need to look at the whole picture." He says his company will improve the park by maintaining the space.
"Right now, tax dollars are going to maintain the park and, quite frankly, not as good as it should be," said Rodriguez.
Driftwood says holidays and other peak times of the year would be off-limits to them, and the hotel is paying to rent the space.
"Everybody loves this park," said another park user, Jeffrey.
Many are concerned about the future of the dog park at Lori Wilson if the new contract is approved.
In the contract, Driftwood would have to pay to build a brand-new dog park on the north side of Lori Wilson which would stay open to the public all year long.
"If they don’t bring back the water that my dog loves then no, I’m not fine with it," said the dog park lover, who wants to see many of the same amenities if a new one is built.
Driftwood also plans to build a golf cart path connecting their Hilton hotel to the Westin resort.
This proposal will be presented to the Brevard County Commission on Tuesday at 9 a.m. The public is encouraged to attend and share their views on the issue.
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Hurricane Milton damage photos in Florida, city by city: Flooding, storm surge, tornado damage
Jennifer Sangalanghttps://www.news-press.com/story/news/2024/10/10/hurricane-milton-damage-photos-florida-sarasota-fort-myers-cocoa-beach-orlando/75600991007/
When is 2024 Atlantic hurricane season? June 1 to Nov. 30, with the busiest months between August and October.Andrew West Eric Hasert Crystal Vander ...
When is 2024 Atlantic hurricane season? June 1 to Nov. 30, with the busiest months between August and October.
Andrew West Eric Hasert Crystal Vander Weit Malcolm Denemark Mike Lang Thomas Bender Kaila Jones Laurence Reisman
USA TODAY NETWORK - Florida
(This story was updated to add new information.)
Flash floods, torrential rain, tropical tornadoes: All examples of the wrath of Hurricane Milton.
And that was hours before landfall.
At 8:30 p.m. Wednesday, Oct. 9, Hurricane Milton made landfall near Siesta Key, Florida, as a powerful Category 3 hurricane with estimated wind speeds of 120 mph. The storm had battered the West Coast of Florida with howling winds, pounding rain and storm surge. #HurricaneMilton #Category5 #Florida #Sarasota and #FortMyers were trending terms all day Wednesday as Floridians prepped for the storm or evacuated the state.
In many cases, Florida residents were without power as Hurricane Milton whipped through.
Reporters and photojournalists from the USA TODAY Network in Florida captured the widespread damage caused by Hurricane Milton across multiple cities along the West Coast and East Coast. In many cases, cleanup will take months.
? Weather alerts via text: Sign up to get updates about current storms and weather events by location
Here's a roundup of Hurricane Milton damage in Florida, city by city. Check back for updates to this story and for more photos of Hurricane Milton's wrath.
Hurricane Milton damage in Sarasota County, Florida, and Manatee County, Florida
Hurricane Milton damage in Venice, Florida
Hurricane Milton damage on Captiva Island, Florida
Hurricane Milton damage on Sanibel Island, Florida
Hurricane Milton damage at Siesta Key, Florida, where Hurricane Milton made landfall
Hurricane Milton damage at Bradenton Beach, Florida
Hurricane Milton damage in Marion County, Florida
Hurricane Milton damage in Lakeland, Florida
Hurricane Milton damage in Polk County, Florida
Hurricane Milton damage in Naples, Florida
Hurricane Milton damage in Fort Myers, Florida. Hurricane Milton aftermath photos in Lee County, Florida
Hurricane Milton damage in Lake County, Florida
Hurricane Milton damage photos in Jacksonville, Florida
Hurricane Milton damage in Cocoa Beach, Florida
Hurricane Milton damage in Melbourne, Florida. Hurricane Milton causes 30-foot hole in roof at Melbourne Orlando airport
Hurricane Milton damage in Fort Pierce, Florida
Hurricane Milton damage in Vero Beach, Florida
Hurricane Milton damage in Martin County, Florida
Hurricane Milton damage in St. Lucie County, Florida
Hurricane Milton damage in Palm Beach Gardens, Florida
Hurricane Milton damage in Palm Beach County, Florida
Hurricane Milton damage in Wellington, Florida
Hurricane Milton in Florida spawns tropical tornadoes, hours before landfall
Stay informed. Get weather alerts via text
Contributing: C.A. Bridges, USA TODAY Network-Florida
Sangalang is a lead digital producer for USA TODAY Network-Florida. Follow her on Twitter or Instagram at @byjensangalang. Support local journalism. Consider subscribing to a Florida newspaper.
WATCH LIVE BREVARD BEACH UPDATE: Steve Wilson and Orville Susong in Cocoa Beach Ahead of Hurricane Milton’s Arrival
Space Coast Dailyhttps://spacecoastdaily.com/2024/10/watch-live-brevard-beach-update-steve-wilson-and-orville-susong-in-cocoa-beach-ahead-of-hurricane-miltons-arrival/
WATCH: Hurricane Milton report from Laurie Wilson Park in Cocoa Beach by The Friday Night Locker Room’s Orville Susong and Steve Wilson. The latest forecast from the National Hurricane Center projects Brevard County could see 4 to 8 inches of rain, and sustained winds of 45 to 60 mph, with higher wind gusts of 60 to 80 mph. Space Coast residents should have their final preparations for Hurricane Milton made by Tuesday.Related Story:...
WATCH: Hurricane Milton report from Laurie Wilson Park in Cocoa Beach by The Friday Night Locker Room’s Orville Susong and Steve Wilson. The latest forecast from the National Hurricane Center projects Brevard County could see 4 to 8 inches of rain, and sustained winds of 45 to 60 mph, with higher wind gusts of 60 to 80 mph. Space Coast residents should have their final preparations for Hurricane Milton made by Tuesday.
Related Story:SPACE COAST DAILY TV: Watch Live Webcams Across Florida as Hurricane Milton Approaches and Impacts Florida
BREVARD COUNTY, FLORIDA – A Local State of Emergency is in effect for Brevard County in response to the pending threat of Hurricane Milton, which is now a Category 4 hurricane slowly churning toward the west coast of Florida with a projected impact as a Category 1 hurricane in Brevard County starting Wednesday about 10 p.m. through late Thursday at 2 p.m.
The latest forecast from the National Hurricane Center projects Brevard County could see 4 to 8 inches of rain, and sustained winds of 45 to 60 mph, with higher wind gusts of 60 to 80 mph.
Brevard County is currently under a hurricane watch.
Space Coast residents should have their final preparations for Hurricane Milton made by Tuesday.
BREVARD COUNTY, FLORIDA – In anticipation of the potential impacts from Hurricane Milton, Brevard County will offer free sandbags for residents beginning 8 a.m. Tuesday.
? Chain of Lakes Park, 2300 Truman Scarborough Way, Titusville, FL 32796. ? Mitch Ellington Park, 577 Hall Road, Merritt Island, FL, 32953. Enter from West Hall Road. ? Wickham Park, 2500 Parkway Dr., Melbourne, FL 32935. Enter using south access from Parkway Dr. ? Eastern Florida State College-Palm Bay Campus, 250 Community College Parkway SE Palm Bay, 32909
Sand is being provided by Brevard County Public Works and the Brevard County Sheriff’s Office will have supervised inmate work crews filling and loading sandbags for residents.
Residents do not need to bring sandbags, bags are provided and filled by on-site personnel. There is a limit of 10 sandbags per vehicle. Please be aware, lines may be closed earlier than 6 p.m. to ensure a timely closure.
WATCH: Update from sandbag distribution location at Eastern Florida State College’s Palm Bay campus in preparation for Hurricane Milton.
WATCH: Space Coast Daily’s Zach Clark is live from Mitchell Ellington Park in Merritt Island as Brevard Public Works Provides Free Sandbags Today in preparation of Hurricane Milton.
Destination Food Hall in Cocoa Beach signs first vendors for unique dining concept
Amber Olesenhttps://www.floridatoday.com/story/entertainment/dining/2024/10/05/local-vendors-revealed-for-new-and-innovative-food-hall-in-brevard-cocoa-beach-destination/75352756007/
The first food hall on the Space Coast is still months away from completion, but owners of Destination Food Hall have announced four of the expected eight local vendors.Destination Food Hall, touted as a family friendly place to eat and dine in ...
The first food hall on the Space Coast is still months away from completion, but owners of Destination Food Hall have announced four of the expected eight local vendors.
Destination Food Hall, touted as a family friendly place to eat and dine in Cocoa Beach, is at the intersection of Minutemen Causeway and North Atlantic Avenue. It's expected to offer a range of classic and creative cuisine along with a craft beer and wine bar, while supporting Space Coast chefs and small businesses.
The one-story building, at around 5,000 square feet, will be largely under air, with 1,000 square feet of covered patio and misting fans.
Groundbreaking came at the end of May 2024, with plans for opening by spring/summer 2025.
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Oshri Gal, a real estate developer and owner of OG Enterprises, grew up in Cocoa Beach and has looked forward to his dream becoming a reality for the area, he told FLORIDA TODAY in June.
“I would dream about buying this property and doing something here for the community,” Gal said of one spot at that intersection in the heart of the city.
"That was really my vision behind the food hall — where our locals and patrons can congregate together and enjoy local fare."
Four vendors have been announced so far
? Mimi’s Mimosas: With a signature bar, from tropical mimosa cocktails to craft beer and curated wines.? Sabor on the Beach: A mix of Latin: paellas, whole fried fish, Jalea seafood and more. ? Fowl Mouth: Fried chicken and burgers, with globally inspired twists, Fowl Mouth caters to the All- American diet with premium ingredients. ? B’s Beans & Bakery: Cuban cuisine with traditional flavors and a modern, lighter twist. Enjoy Cuban espresso, pastries and sandwiches.
Where will the food hall be located?
You'll find Destination Food Hall at 2 N. Atlantic Ave. in Cocoa Beach. Owners plan to have a second location, in Cape Canaveral, and are making plans to start building in 2025.
More:Best sports bar in Brevard: Our top pick is in Palm Bay
Local vendors are encouraged to apply and join the project at destinationfoodhall.com.
Fo information as the food hall progresses, keep an eye on their social media: Instagram: @destinationfoodhall; Facebook at facebook.com/destinationfoodhall; and their website, destinationfoodhall.com.
Amber Olesen is FLORIDA TODAY's food and dining reporter. Reach her at aolesen@floridatoday.com.
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