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.
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.
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.
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).
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.
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.
Thinking about heading to the Boiling Springs Christmas Parade? We have all the information on the parade, plus nearby restaurants where you might want to grab breakfast before the parade or lunch afterward. The 2023 Boiling Springs Christmas Parade has been cancelled due to weatherChristmas parades are a huge part of the holiday season for families. They’re a time for communities to show off their talented members and for children to get that first glimpse of Santa Claus. One of Spartanburg&...
Thinking about heading to the Boiling Springs Christmas Parade? We have all the information on the parade, plus nearby restaurants where you might want to grab breakfast before the parade or lunch afterward.
The 2023 Boiling Springs Christmas Parade has been cancelled due to weather
Christmas parades are a huge part of the holiday season for families. They’re a time for communities to show off their talented members and for children to get that first glimpse of Santa Claus. One of Spartanburg’s most popular parades is the one that takes place in Boiling Springs.
This year’s Boiling Springs Christmas parade will start at 10 am on Saturday, December 2nd, 2023. The Parade will line up at Highway 9 and Blalock Road at SubWay, and end behind the Clock Restaurant on Double Bridge Road. Attendants will be on hand to direct the line-up for overflow attendees in the Parade.
They are expecting a very large participation in the 2023 Boiling Springs Christmas Parade and are advising people to come early to get a good place along the route to see the parade and for the kids to collect the candy that will be tossed off many floats.
Parade organizers thank the volunteers, law enforcement officers, Boiling Springs Fire Department, parade participants, and those who come out to enjoy and support their efforts.
If you are looking for a place to grab a bite before, during or after the parade, these are just a few of the options Boiling Springs has to offer.
Subway – 2634 Boiling Springs Road(The starting point of the parade)
The Clock Restaurant – 3597 Boiling Springs Road(The ending point of the parade)
Taco Grill – 3442 Boiling Springs Road
Firehouse Subs – 3605 Boiling Springs Road
Bertolos of Boiling Springs – 2640 Boiling Springs Road
The 8.6 Pho – 4082 Highway 9
Thai Y’all – 3720 Boiling Springs Road
Manny’s Restaurant – 2520 Boiling Springs Road
The parade goes on rain or shine, so make sure to come prepared. Hot chocolate in a thermos is a time-honored way to keep everyone warm during parade season!
Have you been to the Boiling Springs Parade?
BOILING SPRINGS, S.C. (FOX Carolina) - Realtors are calling it a development boom! Highway 9 in Boiling Springs has seen major growth over the last 10 years with no signs of slowing down.“You know as a kid, the only real growth and development was on the East side of Spartanburg and the West side,” said Andy Hayes, the Vice President of Spencer Hines Properties.Now Spartanburg’s growth is happening on the highways. Spencer Hines Properties agents have been busy making deals on Highway 9.“10 years ...
BOILING SPRINGS, S.C. (FOX Carolina) - Realtors are calling it a development boom! Highway 9 in Boiling Springs has seen major growth over the last 10 years with no signs of slowing down.
“You know as a kid, the only real growth and development was on the East side of Spartanburg and the West side,” said Andy Hayes, the Vice President of Spencer Hines Properties.
Now Spartanburg’s growth is happening on the highways. Spencer Hines Properties agents have been busy making deals on Highway 9.
“10 years ago I would have thought you know it’s got to come to an end on Highway 9 in Boiling Springs, and then five years ago I would have said the same thing and we’re still saying that now but it’s phenomenal what continues to happen,” he said.
Highway 9 has a lot of empty land, selling for as high as $1 million dollars an acre. But developers are buying and change is coming fast.
“There will be other new projects that start next week, I mean it’s that active up there,” said Hayes.
Spencer Hines has already sold land for a car wash, Culvers, a BBQ restaurant, retail strip, coffee shop and family entertainment center with bowling and an arcade. Also a large Target development, behind the store will be more than 100 apartments and a townhome community. These projects are just half of the recent deals.
On Facebook we asked for your thoughts. Through more than 100 comments from Boiling Springs residents, many were excited and asking for more. Others have concerns, some comments saying---
“We do not need anymore apartments or housing. We are full!”
“Too many accidents..too many people..too much growth.”
“I feel that the infrastructure is not prepared”
If voters approve the next penny tax in November, Highway 9 is listed for corridor road improvements, but that could be years down the line.
“I think it’s a double-edged sword. People are excited about having it but they’re also going to have to deal with additional traffic that comes along with that,” said Hayes.
Copyright 2023 WHNS. All rights reserved.
This wasn’t just a feel-good finish to the high school football regular season for Boiling Springs.This was confirmation for the postseason.Boiling Springs, in the last game on its regular-season schedule, got its first region victory Friday night at home against Spartanburg, 24-17. The Bulldogs did it without their starting quarterback in the second half. Despite a losing record, Boiling Sprin...
This wasn’t just a feel-good finish to the high school football regular season for Boiling Springs.
This was confirmation for the postseason.
Boiling Springs, in the last game on its regular-season schedule, got its first region victory Friday night at home against Spartanburg, 24-17. The Bulldogs did it without their starting quarterback in the second half. Despite a losing record, Boiling Springs (4-6, 1-3) won’t be a team the higher seeds will want to see early in the Class AAAAA playoff bracket.
“I honestly don’t think it changed how we feel,” Boiling Springs coach Matt Reel said. “We’ve been really confident in how we’ve grown and how we’ve been playing. I think it just lets everybody else know that this team is for real.”
Boiling Springs had lost four straight games coming in and hadn’t won a region game since 2021. But the Bulldogs recently took Byrnes to overtime and lost by only 10 against Gaffney. Those teams are ranked third and sixth, respectively, in the statewide media poll and are the top two in the 864 Huddle Super 25 list of top teams in the Upstate.
Spartanburg (4-5, 0-3) has been on a path similar to Boiling Springs. The VIkings, who were ranked as high as No. 6 in the state this season, will finish the regular schedule next week against Dorman.
Coming through Region 2-AAAAA can get you ready for the playoffs or beat you up. Sometimes both.
“I feel like I've aged 30 years in the last four weeks,” Reel said. “My wife tells me that all the time.”
For Boiling Springs, the open date at the end comes at a perfect time. Starting quarterback Lincoln Huskey didn’t play in a scoreless second half against Spartanburg because of a shoulder injury. He will need the week.
“We’ve got to get him healed up,” Reel said. “We’ve got to get some other guys’ bumps and bruises healed up and just get them ready to go for this stretch. ... Get ready to make a run for three, four, five weeks.”
Region 2 will send five teams, including, including an at-large selection, to the playoffs. Any or all, including Spartaburg, could stick around for quite a while. The Vikings were competitive against Byrnes, 21-9, and Gaffney, 19-14.
“You know what you’re getting into in this region,” Reel said. “It’s not a secret. It’s not a surprise. I’m just really proud of our guys for staying the course. There were a lot of times when they could’ve jumped off the boat.”
SPARTANBURG — Texas-born burger chain Whataburger is setting up shop at four different locations in Spartanburg County. Two will be in the city of Spartanburg, one in Boiling Springs and one in Duncan.“Four Whataburgers in Spartanburg makes an incredible statement in the Southeast that they chose us over all the places they could be,” Spartanburg County Councilman David Britt, who chairs the county’s economic development committee, told The Post and Courier on June 16.The four Spartanburg restaurants wou...
SPARTANBURG — Texas-born burger chain Whataburger is setting up shop at four different locations in Spartanburg County. Two will be in the city of Spartanburg, one in Boiling Springs and one in Duncan.
“Four Whataburgers in Spartanburg makes an incredible statement in the Southeast that they chose us over all the places they could be,” Spartanburg County Councilman David Britt, who chairs the county’s economic development committee, told The Post and Courier on June 16.
The four Spartanburg restaurants would be the eastern-most spots for the chain that developed a passionate and loyal following in its home state. A Whataburger planned for Anderson makes at least five known locations planned for South Carolina. It’s part of a wider expansion across the country.
In 2019, Chicago-based investment firm BDT Capital bought a majority stake in the company with plans to expand the brand. Soon after, Whataburger began opening restaurants in Missouri, Tennessee and Colorado. There are now more than 930 restaurants in 14 states, South Carolina not included. But that will change.
The city of Spartanburg approved the site plan for a location on 1510 W. O. Ezell Blvd. The burger chain is also looking at a location on East Main Street, but the site review is still pending and city officials did not give the address. It’s unclear when construction will start at either location.
“It’s good to see them reaching out to good ol’ Spartanburg heading out east,” said local realtor Santiago Mariani. “I’ve heard nothing but great reviews. There’s a sense of excitement, and that has me excited.”
The Boiling Springs location will be across from a Quick Trip at the entrance to a new Target on Highway 9.
Ben Hines, the president of Spencer/Hines Properties, brokered the deal to lease the land to Whataburger, and said the new Boiling Springs development would bring a lot of tax revenue to the county and would help the growing area.
SPARTANBURG — The new Spartanburg County Courthouse is scheduled to open to the public on Jan. 22 with construction now complete on the 344,000-square-foot building.
The $120 million facility at West St. John and Magnolia streets includes 17 courtrooms, one hearing room, a jury assembly room, jury deliberation rooms and other space for future use. Funding for the project was approved by voters in 2017 when they passed a 1-cent sales tax increase. The building’s highest point reaches 124 feet. The new courthouse is more than three times the size of the existing courthouse.
“It is spectacular, not only in appearance, but makes a statement about who we are and where we are going,” Spartanburg County Councilman David Britt told The Post and Courier. “The old courthouse opened in 1957, and it was built when the county’s population was just over 100,000 people. We needed a new courthouse in the ’90s but couldn’t afford a new courthouse at that time due to finances.”
Judicial Planning Associates reported in May 2017 the Spartanburg Judicial Center at 180 Magnolia St., Spartanburg, needed to be replaced because it no longer met the required standards for technology or security required for courts. The old county courthouse will be demolished in 2024, and a plaza will be built in its place. The new courthouse design includes white precast exterior with classical architecture. A parking deck garage with 700 spaces was completed in 2021 at Library Street as part of the overall construction project.
Spartanburg County Clerk of Court Amy Cox said in a statement the current courthouse will be closed from Jan. 8 through Jan. 19 to normal traffic during staff’s transition to the new building.
“Our staff members will still be working, answering phones and emails, processing filings and sending required notices,” Cox said. “There may be times when our phones and computers are in transition.”
The only non-employees who will be allowed in the old building during the move will be attorneys, litigants and witnesses who are on the small family court docket. No one else will be allowed in the building for any other reason. A drop box will be located at the front entrance for any paper filings for any court located in the building.
SPARTANBURG, S.C. (FOX Carolina) - There’s a new bakery on Highway 9 in Boiling Springs called Sissy’s Sweets. The store opened the doors Wednesday morning. The idea behind this bakery is much more than satisfying a sweet tooth, the owner is honoring a loved one while also creating a safe space for people with disabilities.“I will say, I probably did more of the baking and she did more of the eating,” laughed Miranda Gilbert, talking about her sister and best friend, Erika Gilbert. “That girl loved to eat...
SPARTANBURG, S.C. (FOX Carolina) - There’s a new bakery on Highway 9 in Boiling Springs called Sissy’s Sweets. The store opened the doors Wednesday morning. The idea behind this bakery is much more than satisfying a sweet tooth, the owner is honoring a loved one while also creating a safe space for people with disabilities.
“I will say, I probably did more of the baking and she did more of the eating,” laughed Miranda Gilbert, talking about her sister and best friend, Erika Gilbert. “That girl loved to eat but we always had so much fun it was usually like late nights making cupcakes or cookies.”
Erika had down syndrome, baking with her sister was one of her favorite pastimes.
“After she passed away, I just knew that I wanted to start Sissy’s Sweets,” said Gilbert, the owner of the desert shop.
Turning her two-year side hustle into a brick-and-mortar business took a year of work. And day one had already been rewarding. They sold out before noon.
“We open at 8:00 but there were already people lined up about 7:45 ready to come in,” said Gilbert.
The shop honors her sister in many ways, from her favorite color on the wall, to the staff behind the counter.
“We have about 10 employees right now that have different disabilities and different special needs. So giving them a place to work and feel safe and you know feel like they’re just being their best self, I love that. That’s one of my main goals with this whole idea,” said Gilbert.
Turning a dream into a reality, her best friend would be proud of.
“I could just imagine her sitting in that seat just eating the cupcakes and eating the ice cream and she wouldn’t be working she’d be eating I already know, and just talking to people and talking to the cute boys that’s what she’d be doing. But I know she’s watching and she’s excited,” she said.
Gilbert and her crew make cupcakes, cinnamon rolls, cookies, muffins, the already popular apple cider caramel donuts and so much more. You can swing by anytime between 8:00 am and 5:00pm at 2520 Boiling Springs Road.
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