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 Brevard County, FL, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Brevard County'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 Brevard County, 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 Brevard County, 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 Brevard County, 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 Brevard County, 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 Brevard County, FL - 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 Brevard County loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANORLANDO, Fla. —Election Day is less than one week away, but early voting is in full swing.Starting last week, polling locations opened up all around Central Florida, allowing registered voters to cast their ballot for the presidential election, statewide races and more.>> 2024 Election GuideEven though most early voting locations in Central Florida will...
ORLANDO, Fla. —
Election Day is less than one week away, but early voting is in full swing.
Starting last week, polling locations opened up all around Central Florida, allowing registered voters to cast their ballot for the presidential election, statewide races and more.
Even though most early voting locations in Central Florida will remain operational until this weekend, local counties saw record turnouts and long lines last week.
Here is a county-by-county breakdown of voter turnout in Central Florida so far.
> More: Early voting sites, operating hours for each county
Note: These numbers are as of 1 p.m. on Wednesday, Oct. 30. All figures are reported from each county's supervisor of elections office.
Showers move across Central Florida Wednesday evening
Note: It is likely that 24 provisional ballots were cast, however, this information is not available on the supervisor of elections website.
MORE | Election guide | Florida amendments | Sample ballots | Early voting | Candidate tracker | General election candidate debates
Commitment 2024 is WESH 2's long-running political initiative to bring the most comprehensive, fact-based information to viewers.
Commitment 2024 debate series: General election races
Two business organizations are spending about $57,000 to lobby for approval of a ballot item that would extend for another 10 years Brevard County's property tax break program for new and expanding companies.The proposed extension of the county's 30-year-old ad valorem tax abatement program is on the Nov. 5 ballot.Separately, voters in Cocoa and Titus...
Two business organizations are spending about $57,000 to lobby for approval of a ballot item that would extend for another 10 years Brevard County's property tax break program for new and expanding companies.
The proposed extension of the county's 30-year-old ad valorem tax abatement program is on the Nov. 5 ballot.
Separately, voters in Cocoa and Titusville will consider whether to approve 10-year extensions of their existing municipal tax abatement programs that offer companies relocating or expanding in their cities reductions on city property taxes. Voters in Cocoa first approved its program in 1995, and voters in Titusville first approved its program in 1994.
Supporters of the county proposal also have been lobbying local organizations for support of the measure, with about 25 presentations so far, according to Neal Johnson, who chairs a task force that is pushing for passage of the measure. The presentations have been made at various venues throughout the county, including Chambers of Commerce, Rotary Clubs and homeowners' associations, among others.
One of the more recent presentation was during the Canaveral Port Authority's monthly meeting on Oct. 23.
The presenter at the Port Authority meeting — Gail Hart, global strategic communications and events lead at Acuity International in Cape Canaveral — said the program's property tax incentives help attract high-wage jobs to the area and make Brevard more competitive, in comparison with other communities.
"In many cases, this is the only incentive that we have to offer new and expanding businesses who would consider Brevard County as their home," Hart said.
She said, since 2005, companies receiving the incentives were responsible for creating 4,523 direct jobs and 4,777 spinoff jobs, with total cumulative payrolls of $4.43 billion during that time span.
Hart said, although $17.4 million in taxes were abated since 2005 through the program, companies receiving the incentives paid $83.8 million in other taxes, including, for example, school taxes, which are not part of the program. In the long term, she said, the program increases the county's tax base.
The program "is a tax reduction, not a tax elimination," Hart said, adding that the tax breaks "are finite and performance-based."
Hart said, to qualify for the program, the jobs the company promises to create need to fall within a qualified targeted industry stipulated by the state and must have an average compensation above the average median county wage of $61,784 a year.
After Hart's presentation, Canaveral Port Authority Chair Micah Loyd — owner of Titusville-based Loyd Contracting Inc. — said the program is "a very important tool for our county to be competitive."
Opponents of the program, however, contend that many of the companies that receive tax breaks would have come to or expanded in Brevard, with or without the incentives. They also say a number of incentives previously awarded later were rescinded because the companies did not meet or exceed their hiring goals.
Among the opponents is County Commissioner John Tobia, who has said he opposes the program because it, in effect, enables the County Commission to pick winners and losers among private-sector businesses.
Primer for Nov. 5 election:Here's your ultimate voter guide to the 2024 elections, candidates, issues in Brevard County
The Realtors Issues Mobilization Committee — an Orlando-based political committee — has allocated $53,170 to gain voter support for the proposal, according to reports submitted to the Florida Department of State's Division of Elections.
The real estate organization has mailed out two political flyers to voters in support of the extending the tax break program.
Johnson said the organization is backing the measure in part because it will attract more people to the area through the increased employment of the expanding companies receiving the tax breaks. More residents will mean more people looking to buy homes.
Additionally, the Melbourne-based Business Voice Political Committee, which Johnson chairs, has allocated $4,000 for roadside signs and Facebook ads in support of the tax incentive program.
Brevard County commissioners in July approved putting the referendum on the Nov. 5 ballot to extend the county's 30-year-old economic development tax-abatement program for another 10 years. The vote was 4-1, with Tobia voting no.
The Economic Development Commission of Florida's Space Coast helps administer the program, in which the county property tax breaks can be up to 100% for up to 10 years.
When a company applies for a tax abatement under this program, an EDC panel uses a formula taking into account the number of jobs the company plans to create, the average salary of those jobs and the capital investment the company plans to make to determine what tax break to recommend. The final determination of the tax break is up to the County Commission. The breaks are rescinded if the companies don't meet their goals.
Companies creating at least 10 jobs are eligible to apply for the program, although companies creating larger numbers of high-paying jobs typically would be in line for more lucrative incentives.
The program must be renewed every 10 years. If the extension is not approved by voters, the program will end in November.
This is the fourth time the tax abatement program is the subject of a voter referendum. It initially was approved by 51.40% of Brevard voters in 1994. Then it was renewed twice for an additional 10 years — by 62.59% of voters in 2004 and by 70.31% in 2014.
Johnson, a senior mortgage loan officer at U.S. Bank in Melbourne, also chairs the EDC's advisory Ad Valorem Tax Abatement Council ? which vets applications for property tax break in the program and recommends the appropriate level of tax abatement to the County Commission.
Last year, the County Commission rejected proposed tax breaks recommended by the advisory panel for expansion projects in Palm Bay by L3Harris Technologies and Rogue Valley Microdevices. However, the Palm Bay City Council approved separate incentives, reducing city property taxes for their expansion projects.
Dave Berman is business editor at FLORIDA TODAY. Contact Berman at dberman@floridatoday.com, on X at @bydaveberman and on Facebook at www.facebook.com/dave.berman.54
Home » Home » Precautionary Boil Water Notice Issued for Portions of Northwest Palm BayBREVARD COUNTY • PALM BAY, FLORIDA – City of Palm Bay officials have issued for precautionary boil water notice for portions of Northwest Palm Bay.Customers may have experienced a water service disruption due to a water main break. Approximately 4,900 cust...
Home » Home » Precautionary Boil Water Notice Issued for Portions of Northwest Palm Bay
BREVARD COUNTY • PALM BAY, FLORIDA – City of Palm Bay officials have issued for precautionary boil water notice for portions of Northwest Palm Bay.
Customers may have experienced a water service disruption due to a water main break. Approximately 4,900 customers were impacted in the NW section of the City.
Water service has been restored and a “Precautionary Boil Water Notice” is hereby issued for the addresses in Port Malabar Unit 44 area, Avery Springs, Brentwood Lakes, Malabar Lakes West, Tillman Lakes, Sanabel Cove, Parkside West, Madalyn Landings, St. John’s Preserves, Palm Vista, and Timber’s subdivisions; and Heritage High School and Discovery Elementary.
Therefore, as a precaution, we advise that all water used for drinking, cooking, making ice, brushing teeth, or washing dishes be boiled.
A rolling boil of one minute is sufficient. Additionally, bottled water may be used as an alternative.
This “Precautionary Boil Water Notice” will remain in effect until the problem has been corrected and a bacteriological survey shows that the water is safe to drink. Typically boil water notices remain in effect for two to three days.
Affected customers will be notified once the boil water notice has been lifted.
If you have any questions, you may contact the Palm Bay Utilities Department at 321-952-3410 or the after-hours emergency line at 321-952-3478.
For updates, you may also visit the department’s website at www.pbud.org or call the Citizen Hotline at 321-726-5683.
Tyler VazquezBrevard County voters will be able to cast their ballot on a proposed charter amendment to give county commissioners a $40,000 pay raise, in a referendum up for a vote in the Nov. 5 general election.This amendment would have the effect of increasing salaries for ...
Brevard County voters will be able to cast their ballot on a proposed charter amendment to give county commissioners a $40,000 pay raise, in a referendum up for a vote in the Nov. 5 general election.
This amendment would have the effect of increasing salaries for Brevard County commissioners by setting the salary at 90% of what is set forth in Chapter 145, Florida Statutes for county commissioners in Florida.
The current salary for Brevard County commissioners is $60,272.98. If the amendment is approved, the salary would increase to $102,509.10, based on that formula.
Election guide for voters:Here's your ultimate voter guide to the 2024 elections, candidates, issues in Brevard County
Under the current system, commissioners vote on their pay every two years.
The proposed change would instead move to a formula set out in state statute to set commissioner salaries. That system is based on population size of each county. The language that will appear on the ballot does not directly say that commissioners will be receiving a substantial pay increase. Instead, the language focuses on the move to using the state formula for commission pay.
What voters read on the ballot: "Effective January 1, 2025, shall Article 2, Section 2.6 of the Brevard County Charter be amended to provide that the salary of the Brevard County Board of County Commissioners be determined solely as 90 percent of that set forth in Chapter 145, Florida Statutes for county commissioners, as amended from time to time, which state statute provides a uniform method of compensation for county commissioners with similar duties across the state?"
The commission approved the referendum for the ballot in a vote that took place over two years ago on Aug. 30, 2022. That vote passed unanimously at the time by a commission whose members all would have been ineligible to benefit from the pay raise due to term limits.
At the time, Titusville resident Nathan Slusher voiced opposition to the proposal. Slusher is now running as a Libertarian candidate for the open District 1 County Commission seat in the 2024 election, and would stand to potentially benefit from the raise. "If anyone is getting the opportunity to set their own salary, it just leads to problems," Slusher said. He suggested that commissioners should receive only the average income of the county.
Only two of the five current sitting commissioners would be affected by the proposal, if approved — Rob Feltner and Tom Goodson. The other three commissioners will be leaving office in November — Rita Pritchett, Jason Steele and John Tobia. Neither Feltner nor Goodson was on the board when commissioners approved putting referendum on the ballot.
Brevard commissioners currently make less than their counterparts in neighboring counties, according to data from the Florida Legislature's Office of Economic and Demographic Research.
321-480-0854 or tvazquez@floridatoday.com
(This story was updated to add new information.)Week 10 of the FHSAA high school football season is here, and a few Brevard County teams have the opportunity to win district titles tonight.Cocoa is hosting Astronaut with a chance to win the District 6-2A championship. Heritage is playing a game at Martin County for the District 13-5A championship. Rockledge can claim the District 6-4A title with a win on the road at New Smyrna Beach.Week 10 preview: ...
(This story was updated to add new information.)
Week 10 of the FHSAA high school football season is here, and a few Brevard County teams have the opportunity to win district titles tonight.
Cocoa is hosting Astronaut with a chance to win the District 6-2A championship. Heritage is playing a game at Martin County for the District 13-5A championship. Rockledge can claim the District 6-4A title with a win on the road at New Smyrna Beach.
Week 10 preview: District Champions will be crowned in Week 10
Follow here and on X (formerly Twitter) and Instagram @321preps for updates all night. We'll have roundups, videos and photos at the end of the night with all the finals.
Here are tonight's updates:
FINAL
Q1 | Q2 | Q3 | Q4 F
ASTRO (5-3) 0 | 0 | 0 | 0 – 0
COCOA (5-3) 14 | 14 | 13 | 7 – 48
1st quarter
C: DL Hardison 18 pass from Brady Hart (Marcus Trout) 8:21
C: Malachai Coney 6 run (Trout kick) 1:30
2nd quarter
C: Zach Pillow 17 pass from Hart (Trout kick) 6:30
C: Pillow 18 pass from Hart (Joshua Gauthier kick) 1:03
Third quarter
C: Latrison Lane 27 run (kick failed) 11:18
C: Chris Kelly 14 pass from Hart (Gauthier kick) 10:19
4th quarter
C: Troy Silberzahn 1 run (Trout kick) 4:15
FINAL
Q1 | Q2 | Q3 | Q4 F
FC (4-6) 0 | 16 | 0 | 0 – 16
CB (3-6) 7 | 15 | 16 | 0 – 38
1st quarter
CB: Tristan Sejack 1 run (Keelan Gonzalez kick) 4:39
2nd quarter
CB: Aaron Garber 4 run (Gonzalez kick) 6:52
FC: J. Caldwell 80 pass from Elijah Nickerson (Jermaine Washington run) 6:40
FC: Washington 45 pass from Nickerson (Nickerson run) 1:30
CB: Santi Chavez 22 pass from Remy Vigne (Ryan Rogers run) 2:30
3rd quarter
CB: Garber 8 run (Rogers run) 9:55
CB: Garber 39 run (Rogers run) 2:55
FINAL
Q1 | Q2 | Q3 | Q4 F
VIER (4-5) 6 | 15 | 0 | 7 – 28
MELB (5-4) 7 | 0 | 7 | 0 – 14
1st quarter
V: Eric Nelson 72 run (kick failed) 7:41
M: Michael Rogers 12 run (Malachi Reid kick) 3:52
2nd quarter
V: Nnamdi Osuorah 32 pass from Nelson (2-pt. conv. failed) 5:37
V: Dominic Leoni 45 pass int. ret. (2-pt. conv. failed) 4:32
V: Noah Renes 27 FG 0:11
3rd quarter
M: Kymarion Johnson 11 run (Brody Simmons kick) 9:02
4th quarter
V: Nelson 2 run (Renes kick) 5:57
FINAL
Q1 | Q2 | Q3 | Q4 F
SATE (1-8) 0 | 7 | 0 | 0 – 7
MIHS (6-3) 28 | 7 | 15 | 7 – 57
1st quarter
MI: Deshaun Thomas 10 pass from Kevin Verpaele (Liam Miller kick) 9:09
MI: Kamar Fielder 42 pass from Verpaele (Miller kick) 8:26
MI: Thomas 49 run (Miller kick) 5:04
MI: Delvonte Williams 4 run (Miller kick) 1:13
2nd quarter
MI: Shaun Hartman (Miller kick) 8:37
S: Alex Batallas 37 pass from Brody Grennan (Caleb Garner kick) 5:28
3rd quarter
MI: Williams 2 run (Miller kick) 8:53
MI: Tobias Semper 56 pass from Hartman (Donavan Long pass from Verpaele) 1:02
4th quarter
MI: Alex Hernandez 4 run (Brady Freeman kick) 3:08
FINAL
Q1 | Q2 | Q3 | Q4 F
HERI (4-5) 7 | 14 | 7 | 7 – 35
M CO (5-4) 0 | 0 | 0 | 7 – 7
Scoring
N/A
FINAL
Q1 | Q2 | Q3 | Q4 F
P BAY (0-9) - | - | - | - – 28
T VILLE (5-4) - | - | - | - – 7
Scoring
N/A
FINAL
Q1 | Q2 | Q3 | Q4 F
ROCK (6-2) 7 | 0 | 7 | 10 – 24
NSB (6-2) 7 | 0 | 3 | 0 – 10
1st quarter
NSB: Passing TD (kick good)
R: Running TD (kick good)
3rd quarter
NSB: FG
R: N/A
4th quarter
R: N/A
R: N/A
FINAL
Q1 | Q2 | Q3 | Q4 F
FA (4-5) 0 | 0 | 0 | 0 – 0
SC (7-3) 27 | 28 | 6 | 7 – 68
1st quarter
SC: Dee Parker 6 pass from Zion Sandy (Lucas Paul kick) 9:27
SC: Chris McDonel 15 run (kick failed) 6:04
SC: Christopher Viera 1 run (Paul kick) 3:54
SC: Kadyn Thomas 32 pass from Sandy (Paul kick) 2:20
2nd quarter
SC: Brandon Wiggins 5 pass from Christian Burt (Paul kick) 11:54
SC: Damion Bauder 7 pass from Sandy (Paul kick) 10:33
SC: Parker 22 pass from Sandy (Paul kick) 3:14
SC: Kole Gamble 2 run (Paul kick) 1:11
3rd quarter
SC: Drayton Gamradt 15 pass from Burt (kick failed) 5:25
4th quarter
SC: Alex Banachoski 18 pass from Sandy (Paul kick) 5:01
FINAL
Q1 | Q2 | Q3 | Q4 F
E GAL (8-1) 7 | 0 | 3 | 0 – 10
LINC (7-2) 10 | 14 | 14 | 0 – 38
1st quarter
EG: 60-yard pass from Joseph Allen (kick good)
TL: Field goal
TL: TD pass (kick good)
2nd quarter
TL: Int. ret. for TD (kick good)
TL: N/A
3rd quarter
EG: FG
TL: N/A
TL: N/A
FINAL
Q1 | Q2 | Q3 | Q4 F
MCC (6-2) 13 | 7 | 21 | 10 – 51
OCP (3-5) 8 | 8 | 14 | 12 – 42
1st quarter
N/A
2nd quarter
OCP: 14-yard pass (pass good) 3:00
MCC: Noah Flores 10 pass from Brogan McNab (Will Stewart kick) 0:40
3rd quarter
MCC: Flores 10 run (Stewart kick) 11:00
OCP: 73-yard run (run good) 10:00
MCC: Flores 35 run (Stewart kick) 8:00
MCC: Howard Dewitt 6 run (Stewart kick) 6:00
OCP: 20-yard run (2-pt. conv. failed) 3:00
4th quarter
MCC: McNab 1 run (Stewart kick) 10:00
MCC: Stewart 45 FG 7:00
OCP: 20-yard pass (2-pt conv. failed) 4:00
OCP: 5-yard pass (2-pt. conv. failed) 0:30
FINAL
Q1 | Q2 | Q3 | Q4 F
PBCP (3-4) 0 | 0 | 0 | 0 – 0
HT (4-3) 14 | 14 | 7 | 0 – 35
1st quarter
N/A
2nd quarter
HT: Passing TD (kick good) 4:00
HT: Passing TD (kick good) 3:00
3rd quarter
HT: Passing TD (kick good) 5:00
FINAL
Q1 | Q2 | Q3 | Q4 F
MICS (10-0) 20 | 7 | 6 | 0 – 33
City of Life 0 | 0 | 0 | 8 – 8
1st quarter
MICS: Trey Nevad 53 run (Abel Stricklin kick) 10:00
MICS: Nevad 3 pass from Carter Stevenson (Stricklin kick) 6:00
MICS: Caleb Richeson 18 run (kick failed) 3:00
2nd quarter
MICS: Nevad 6 run (Stricklin kick) 5:00
3rd quarter
MICS: Jordan Rooks 9 run (2-pt. conv. failed) 6:00
4th quarter
COL: Ethan Arroyo 8 run (Giuseppe Garrett pass from Arroyo) 2:00
Please support us by turning off your adblocker.
Get unlimited digital access, along with subscriber-exclusive content, and more.