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 Cane Bay, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Cane Bay'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 Cane Bay, 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 Cane Bay, 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 Cane Bay, 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 Cane Bay, 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.
SUMMERVILLE, S.C. (WCIV) — Last weekend, Cane Bay grad Kaleb Frost played his first college football game. A freshman defensive back for Mercer, the Bears beat Morehead State. Kaleb was on the field for his freshman debut.This week, only his second college football game ever. It may be his most memorable. It will be for his dad, RaShan.“I’m getting a chance to see my own son blaze his own path,” says the elder Frost, a pastor in North Charleston.Their paths are quite similar, yet, noticeably diffe...
SUMMERVILLE, S.C. (WCIV) — Last weekend, Cane Bay grad Kaleb Frost played his first college football game. A freshman defensive back for Mercer, the Bears beat Morehead State. Kaleb was on the field for his freshman debut.
This week, only his second college football game ever. It may be his most memorable. It will be for his dad, RaShan.
“I’m getting a chance to see my own son blaze his own path,” says the elder Frost, a pastor in North Charleston.
Their paths are quite similar, yet, noticeably different. But, paths cross. Dad, a military kid, growing up all over the place.
“Auburn was the first place I chose and left on my own terms. When I left, I left with two degrees and got into college football coaching.”
It’s been love for War Eagle ever since for RaShan. He’s constantly wearing the clothes. He’s constantly doing the chants, and he raised his kids the same way. He always roots for Auburn. Well, almost always. Did we mention, this week, Auburn’s opponent, is Mercer?
“He grew up an Auburn fan, wanted to go to Auburn and play at Auburn- even though that opportunity wasn’t available to him, the opportunity for him to go on opposite sideline, you don’t take for granted. It gives him opportunity to be on the field and see what life is like in Jordan Hare.”
We all understand what this game is about. A home game, a “should-win” for the big SEC school. A nice paycheck for the smaller SOCON school. But memories made for all. Especially, for this Summerville family that will absolutely be in Alabama this weekend.
“I’m telling them, enjoy the moment. Enjoy every opportunity, 'cause these things don’t happen very often. Look at it like a proud dad. See him do his thing at my old school. I’m not playing, so it doesn’t matter what I do. I’m the old guy.”
So the only question that remains- what does dad wear?
“As a dad, I was so proud of him because it was a dream that he wanted. Whatever my sons want to do, I will back them 100 percent. I’m going to wear Mercer shirt, I may have an Auburn hat, but a Mercer shirt for sure.”
The season opener for Cane Bay and Ashley Ridge produced the typical theatrics their football matchups have become known for. As usual, it came down to the final few minutes.In the end, the Cobras emerged with their sixth straight victory in the series, 30-20, Friday night at Cane Bay High School. The previous five clashes were decided by a total of 21 points, including two by three points each last season. One of those was on a last-second field goal and the other in double overtime.The coach on the winning sideline was expect...
The season opener for Cane Bay and Ashley Ridge produced the typical theatrics their football matchups have become known for. As usual, it came down to the final few minutes.
In the end, the Cobras emerged with their sixth straight victory in the series, 30-20, Friday night at Cane Bay High School. The previous five clashes were decided by a total of 21 points, including two by three points each last season. One of those was on a last-second field goal and the other in double overtime.
The coach on the winning sideline was expecting the type of game it was.
“I thought it would be even closer than this,” Cane Bay coach Russell Zehr said. “I figured it would be another three-point game and it would come down to the last drive.”
Zehr was almost right. The Cobras did need a late score, though.
Cane Bay running back TJ Wright scored on a 20-yard scamper up the middle with 2:51 left to give the Cobras their two-score lead and Cobras defensive back Brody Roberts picked off a pass moments later to seal it. Wright also scored on a 9-yard run in the first half and finished with 130 yards on 18 carries.
Cobras quarterback Jabari Grant ran and threw for Cane Bay’s other two touchdowns in the first half as it built a 23-6 lead. Grant passed for 79 yards and ran for 54 more yards.
Cane Bay went for 360 yards of total offense in the game while Ashley Ridge produced 322 yards.
“One of the things we wanted to do was make our offense harder to defend,” Zehr said. “We’ve been seeing man coverage outside and nine men in the box. People have to loosen up when you prove you can throw it. They have to respect the pass. If they don’t, you have to be in position to make them pay. I feel like our passing game is coming along.”
Cane Bay (1-0) hosts West Ashley on Sept. 2 and Ashley Ridge (0-1) hosts Conway.
Cane Bay kicker Lawson Thorn was true on a 39-yard field goal to cap the Cobras’ first drive of the game but Ashley Ridge quarterback Xavier-Proctor Floyd connected with receiver Matthew Phillips on a 55-yard scoring strike with five seconds left in the period to send the Foxes out of the first quarter with a 6-3 lead.
Proctor-Floyd completed 17 of 29 pass attempts for 177 yards in the game and rushed for 34 yards. Phillips and Derrick Salley both finished with 60 receiving yards. Quintin Birk led the AR rushers with 53 yards.
The Cobras surged ahead with 20 points in the second quarter, going 70 yards to score on Grant’s 13-yard touchdown pass to Roberts to start a string of three straight scores. Thorn’s extra point made it 10-6.
Cane Bay’s next drive was 46 yards and produced another touchdown when Grant scored on a 15-yard run with 6:26 left in the first half. The extra point was no good.
Ashley Ridge moved across midfield on its next drive but coughed it up and Cobras defensive lineman Emilio Campo recovered the fumble at the Cobras 40 with under five minutes remaining in the first half. Cane Bay then went 60 yards to go up 23-6, scoring on Wright’s 9-yard burst up the middle on fourth and 2 with 2:09 left in the half.
Ashley Ridge fought back to get within one score on TJ Wilson’s 1-yard run in the second quarter and Christian Garland’s 3-yard run in the third quarter.
Cane Bay drove 76 yards after a punt to ice it on Wright’s second touchdown run with under three minutes left. The possession before, he had a 54-yard scoring run wiped out for holding.
BERKELEY COUNTY, S.C. (WCSC) - Friends and family continue to search for a missing 15-year-old girl.The Berkeley County Sheriff’s Office says Alexis Damitz ran away from her home in Summerville Tuesday night. That is the last time any family say or heard from her.Alexis’ mother shared a plea to her daughter, asking her to take care of herself.“Go to a church, go to a hospital, if you don’t want to come home, I get it,” Ashlie Damitz says. “There’s places you can go there’s ...
BERKELEY COUNTY, S.C. (WCSC) - Friends and family continue to search for a missing 15-year-old girl.
The Berkeley County Sheriff’s Office says Alexis Damitz ran away from her home in Summerville Tuesday night. That is the last time any family say or heard from her.
Alexis’ mother shared a plea to her daughter, asking her to take care of herself.
“Go to a church, go to a hospital, if you don’t want to come home, I get it,” Ashlie Damitz says. “There’s places you can go there’s resources. We’re here to help you.”
Ashlie says she wants more than anything to know her daughter is safe, and eventually have her come home.
Those who know Alexis are working together to put together search parties. People are showing up on bikes and four-wheelers to go through nearby neighborhoods and friends are driving across the county to put up posters.
Alexis is 5 foot 4 inches, 110 pounds, with brown or red hair and brown eyes.
Her mother says that family from across the country have flown and driven into town to help support each other and hopefully welcome Alexis home at some point soon. Alexis’ mother says she left lots of important items like her cell phone behind.
“We think you can monitor them and keep them as close as we can and in reality, you never know I guess and we just want her home and safe and sound and to get her the help she needs, whatever that may be, and to know that she does have a community here that loves her and we, of course, love her and we want her to come home,” Ashlie says.
In the wake of the news, the Damitz family says they feel incredibly supportive and hope Alexis knows she is supported as well.
“Any help that we can leading to Alexis coming home safe whether it be anonymous – she’s not in trouble – we just need her home safe,” Ashlie says. “Nobody is in trouble, any information we can get to bring her home is what we’re looking for.”
Ashlie says her teenage daughter is in the Junior Reserve Officers’ Training Corps and is very smart, with a successful career ahead of her.
“If you’re a friend, if you’re a true friend, get her the help she needs, take her to where she needs to go,” Ashlie says. “Let us know where she is, let us know she’s safe and alive.”
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The area’s longest-running high school football rivalry will reignite on Friday night as Summerville visits Berkeley in one of the Lowcountry’s top matchups this week.In 1923, Moncks Corner High played Summerville for the first time. Moncks Corner later became Berkeley High and the two programs have been competing ever since. The Sept. 2 game will mark the 87th meeting with Summerville holding a commanding 60-23 edge in wins. with three games ending in a tie.For many years, the game was played late in the season as ...
The area’s longest-running high school football rivalry will reignite on Friday night as Summerville visits Berkeley in one of the Lowcountry’s top matchups this week.
In 1923, Moncks Corner High played Summerville for the first time. Moncks Corner later became Berkeley High and the two programs have been competing ever since. The Sept. 2 game will mark the 87th meeting with Summerville holding a commanding 60-23 edge in wins. with three games ending in a tie.
For many years, the game was played late in the season as both teams were in the same conference. Recent years have seen the matchups come earlier in the regular season, before the teams begin to play separate region schedules.
The series has been even in recent years. In 2017, Berkeley beat Summerville for the first time since 2004, then proceeded to win games in 2918 and 2019. Summerville has won the last two meetings.
Summerville comes into this year’s matchup as the favorite. The Green Wave opened the season last week with a convincing 38-7 win over Carolina Forest, earning Summerville a spot in the top 10 of the Class AAAAA state rankings.
Berkeley is 1-1 this season after a win over Timberland and 22-17 loss to Hanahan last week. The Stags were in position to win that game, but were stopped at the Hanahan 5-yard line as time expired.
Here are some other games of note involving area teams in week two of the 2022 season:
It is safe to say that every high school football fan on James Island will be at “The Backyard” on Friday. These two schools are just a few miles from each other, but have never played. First Baptist is a SCISA Class AAA school, while James Island is a Class AAAA member of the S.C. High School League.
First Baptist head coach Johnny Waters has been pushing for this game for several years and finally got his wish.
“I just think it’s a great game for the community,” Waters said. “We are the underdogs, we know that, but we are so appreciative of the opportunity.”
James Island opened the season with shutouts of St. John’s and Stall. First Baptist defeated Bishop England last week.
Two of the most successful prep programs in their respective states will meet as the Patriots make the trip to Atlanta for a Saturday night showcase. Fort Dorchester has posted a 91-13 record over the last eight seasons while Grayson is 91-16 over the same stretch.
Former Grayson head coach Mickey Conn is the current safeties coach at Clemson. Grayson is off to a 2-0 start this season while Fort Dorchester won its season opener over Beaufort last week.
Stratford appears to have a solid team this season, but the Knights also have yet to play more than a quarter this season. The season opener in Orlando, Florida against Avon, Ohio was cancelled after the first quarter two weeks ago due to weather. Stratford had a built-in bye last week.
Lexington lost its season opener to West Florence by a field goal and beat South Aiken in shootout last week, 63-56. The Wildcats began the season ranked in the Class AAAAA top 10.
Stratford has significantly beefed up its non-region schedule. The Knights will host perennial state power Dutch Fork next week before road games at Carolina Forest, St. James and Summerville, all AAAAA programs. They open Region 6-AAAAA play against Cane Bay.
West Ashley is 2-0 but faces its toughest opponent to date in the Cobras of Cane Bay.
West Ashley has wins over Lower Richland and May River while Cane Bay opened its season with a win over Ashley Ridge last week. Both teams lean a bit more to the running game and play physical defense so this matchup will serve both teams well.
Cane Bay junior running back TJ Wright opened his season with a 130-yard rushing effort last week.
Note: Deon Jackson is a member of the South Carolina Corps of Cadets Class of 1999; he also earned degrees through The Citadel Graduate College in 2005 and 2013. (Photo courtesy: Grace Beahm Alford, The Post and Courier)More than a decade later, Superintendent Deon Jackson still remembers the feeling he had when he was named principal of the yet-to-be-built Cane Bay Middle School.It was early summer in 2011. Jackson was still 10 years away from becoming the first ...
Note: Deon Jackson is a member of the South Carolina Corps of Cadets Class of 1999; he also earned degrees through The Citadel Graduate College in 2005 and 2013. (Photo courtesy: Grace Beahm Alford, The Post and Courier)
More than a decade later, Superintendent Deon Jackson still remembers the feeling he had when he was named principal of the yet-to-be-built Cane Bay Middle School.
It was early summer in 2011. Jackson was still 10 years away from becoming the first African American superintendent in Berkeley County. After the obligatory handshakes and congratulatory pats on back, Jackson hopped into his car and made the short drive from district headquarters in Moncks Corner to Cane Bay Boulevard.
What he found at the construction site left him speechless.
“It was just a slab of concrete, the beginnings of a foundation, nothing else, nothing vertical,” Jackson said. “I remember thinking, ‘Oh my gosh, what have I gotten myself into?’”
As the head of the fourth-largest school district in South Carolina — with more than 36,000 students — Jackson admits there are moments when he has similar feelings to that first time he saw the school construction site.
But then he remembers why he got into education.
“You do it for the students, that’s the ‘why,’” he said. “I think that’s how you stay in touch with the mission. We do this for the students, to try and make a positive impact on their lives.”
Just a year into his new role, Jackson understands the challenges that face one of the fastest-growing school districts in the state. Coming out of a pandemic, the district is facing historic growth, funding issues, new attendance lines and construction headaches.
School board Chairman David Barrow can’t think of anyone better suited to face the challenges in front of the district than Jackson.
“Deon has a vision,” said Barrow, who hired Jackson as an assistant principal at Timberland High School in 2006. “He’ll lead us into the future. He’s going to lead Berkeley County where it needs to be. He’s the right person at the right time for this job.”
That sentiment is shared by Willis Sanders, who spent more than four decades in the district as a teacher, principal and administrator.
“Deon unites people and brings them together in a common cause,” Sanders said. “He builds relationships, builds teams and is very goal-oriented. People are drawn to him because he cares.”
In the mid-1990s, when Jackson was going through grueling two-a-day preseason practices as part of The Citadel football team, he wasn’t dreaming about becoming a future school superintendent.
He was more interested in merging his two major interests — finance and athletics. Jackson wanted to become the next super sports agent like Scott Boras or David Falk.
“When I started to research what was required to become an agent, it was a lot more involved than I thought,” Jackson said with a chuckle.
His journey from student-athlete, to teacher and coach, to principal and finally administrator began along the Interstate 77 corridor. Jackson borrowed a friend’s car for a job interview and was hired to work as an assistant football coach and physical education teacher at Lancaster High School.
He spent two years in Lancaster before moving back to the Lowcountry to get his master’s degree in educational administration.
“I was dating my wife at the time and driving back and forth between Lancaster and Charleston was starting to wear on us,” he said.
He got a job at Goose Creek High School coaching defensive backs under Chuck Reedy, taught one P.E. class and worked as an administrator the rest of the day with former Principal John Fulmer.
“Deon was very smart, very organized and related to everyone,” Reedy said. “He had all the attributes you’d want in someone leading young men. I knew the sky was the limit for Deon. If he had stayed in athletics, he would be a head coach or an athletic director by now.”
It’s still Jackson’s favorite job.
“Best job I ever had,” Jackson said. “I got to do everything I loved. I got to coach, I had an administrative role, and I was in the best shape of my life.”
Barrow lured Jackson away from Goose Creek to become an assistant principal at Timberland High School.
“I told Deon that if he stayed at Timberland, he’d be a principal in five years,” Barrow said. “I was wrong. He became a principal in four years.”
In 2010, Jackson took over at St. Stephen Middle School, where he experienced a culture shock.
“The last time I was in middle school I was 12 years old,” Jackson said. “I had been working at high schools, big high schools with large enrollments, and this was a totally different experience.”
St. Stephen had about 250 students at the time and Jackson learned to wear many hats.
“It was a small staff, so I was involved in everything,” he said. “From instruction, to curriculum, to programing, everything. That experience taught me to put myself in everyone’s shoes and see what they were up against.”
Two years later, the doors at Cane Bay opened as Jackson created a school from scratch.
“I think his job at Cane Bay more than any other job molded him into the administrator he is today,” Barrow said. “He built that school from the ground up. Working with contractors, teachers, parents, students, everything and everybody. He created something out of nothing.”