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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 Boiling Springs, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Boiling Springs'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 Boiling Springs, 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 Boiling Springs, SC?
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 Boiling Springs, SC
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 Boiling Springs, 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 Boiling Springs, 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 Boiling Springs, SC.
Refinancing in
Boiling Springs, 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 Boiling Springs, SC - 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 Boiling Springs, SC
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 Boiling Springs loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANLatest News in Boiling Springs, SC
South Carolina dad treks 27 miles through storm to walk daughter down the aisle
Jenni Williamshttps://www.wyff4.com/article/sc-dad-hikes-storm-walk-daughter-down-aisle/62472722
BOILING SPRINGS, S.C. —A Boiling Springs, South Carolina man managed to walk about 17 miles through the night after Tropical Storm Helene hit the western Carolinas and Tennessee to get to Johnson City, to walk his daughter, Elizabeth, down the aisle at her wedding.David Jones set off on the drive to Tennessee Friday afternoon after squaring his wife and mother-in-law away at their Spartanburg County home."At the time, I had no cell service and no power and no idea of the magnitude of what had ...
BOILING SPRINGS, S.C. —
A Boiling Springs, South Carolina man managed to walk about 17 miles through the night after Tropical Storm Helene hit the western Carolinas and Tennessee to get to Johnson City, to walk his daughter, Elizabeth, down the aisle at her wedding.
David Jones set off on the drive to Tennessee Friday afternoon after squaring his wife and mother-in-law away at their Spartanburg County home.
"At the time, I had no cell service and no power and no idea of the magnitude of what had happened," Jones said.
He drove as far as he could on Interstate 26 before troopers said his car could make it no further due to washed-out roads, bridges and dangerous conditions. At that point, he was at Exit 43, Temple Hill Road, in Unicoi County, Tennessee.
"I told the troopers that my daughter is getting married at 11:00 and it's now 2:00 and I've got to get to Johnson City to walk her down the aisle," Jones said.
He said the troopers urged him to stay put, but he was determined not to miss this special moment for his daughter and took off on foot.
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Jones encountered debris about eight feet high at one point and bulldozers working to clear the debris, even getting temporarily stuck in the mud.
As he drew closer to Erwin, Tennessee, he said that a trooper approached him. "He said, 'Are you the one trying to get to his daughter's wedding? We're all talking about you. Everyone says you're so determined!'" Jones said.
That trooper offered him a ride two miles closer to his destination, and Jones resumed walking, picking up a reflector on the side of a narrow, two-lane highway, for safety.
Eventually, a driver offered him a ride for the last eight miles of his trip, and Jones realized it was a former colleague who had been unable to sleep and wanted to drive over to some property to check on it since the storm had been so strong.
"Talk about providence and divine intervention. Not only was this someone I knew and trusted, he couldn't sleep! I knew God was keeping him awake to help me," Jones said.
He was able to make it to his home in Johnson City to freshen up and made it to the church in time to walk Elizabeth, down the aisle on Saturday morning.
He didn't want her to know of his adventure during the ceremony. He waited until their reception afterward to share the story. He gifted Elizabeth and her now husband, Daniel Marquez, the reflector he used for safety on the road.
"Let it help you remember to always be each other's protector. Especially in the darkest hours, like it did for me. And continue to reflect God's goodness as you always have," Jones told them.
Elizabeth and Daniel had to cancel their big reception plans in Boone. Thanks to professional wedding planner sister, Ava Jones, they instead held a small celebration at a friend's home in Piney Flats, Tennessee, on Sunday.
Jones is now back home safe in Boiling Springs.
"The troopers and first responders I encountered can't be praised enough. They were working so hard and were so kind," Jones said.
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