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 Charleston, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Charleston'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 Charleston, 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 Charleston, 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 Charleston, 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 Charleston, 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 Charleston, 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.
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 Charleston loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANThrown into turmoil ...
The JMS Burn Center in Augusta, Georgia, is the nation’s largest burn unit, but its future is in jeopardy after the death of Fred Mullins, a burn doctor who helped drive the center’s national expansion. Read moreIn Augusta, Georgia, the death of a burn center’s director revealed costly secrets
Two years ago, the IRS claimed Doug Smith owed $26 million in taxes. What happened to the case?
More than $44.6 million awarded in civil liability case in Dorchester County involving driver making Amazon deliveries.
If someone tried to dream up a scenario to illustrate the need to reform South Carolina’s sp…
The Good Cheer Fund was established in 1927 by Thomas P. Lesesne, former managing editor of The News and Courier as a Lowcountry community outreach program to help people in need during the holiday season.
One hundred percent of the donations made to the Good Cheer Fund are distributed to seven agencies to aid the less fortunate in the Lowcountry during the holidays.
Feedback is being sought on what should and should not be built on the nearly 70-acre waterfront property along the Cooper River. Read moreUnion Pier plan developers seeking applicants for new advisory council
Latest local and national business announcements, powered by EZ Newswire
Support local news you can trust. We depend on the support of our loyal subscribers to produce meaningful journalism every day. Help us continue this important work: Subscribe today.
148 Williman Street Charleston, SC 29403
Phone: 843-577-7111
...
Check Out BetMGM Here Bonus Code: SKRIVE
Visit BetMGM.com for T&Cs. Must be 21+ and physically present in NY only. New Customer Offer. All promotions are subject to qualification and eligibility requirements. Rewards issued as non-withdrawable bonus bets. Bonus bets expire in 7 days from issuance. Please gamble responsibly. Gambling Problem? Call (877-8-HOPENY) or text HOPENY (467369).
The South Carolina Gamecocks (8-1) will try to extend a five-game home win streak when they square off against the Charleston Southern Buccaneers (3-6) on Saturday, December 16, 2023 at Colonial Life Arena. The matchup airs at 6:00 PM ET on SEC Network+. In this article, we breakdown the South Carolina vs. Charleston Southern odds and lines for this contest.
The Gamecocks and the Buccaneers square off with no line currently set for the game.
South Carolina has an 8-1-0 record against the spread this season compared to Charleston Southern, who is 1-5-1 ATS. The Gamecocks have a 4-5-0 record going over the point total, while games involving the Buccaneers have a record of 2-5-0 when it comes to hitting the over.
To prepare for this matchup, here is what you need to get ready for Saturday’s college hoops action.
Check out: USA TODAY Sports Coaches Poll
Check Out BetMGM Here Bonus Code: SKRIVE
Visit BetMGM.com for T&Cs. Must be 21+ and physically present in NY only. New Customer Offer. All promotions are subject to qualification and eligibility requirements. Rewards issued as non-withdrawable bonus bets. Bonus bets expire in 7 days from issuance. Please gamble responsibly. Gambling Problem? Call (877-8-HOPENY) or text HOPENY (467369).
South Carolina 82, Charleston Southern 57
Gannett may earn revenue from sports betting operators for audience referrals to betting services. Sports betting operators have no influence over nor are any such revenues in any way dependent on or linked to the newsrooms or news coverage. Terms apply, see operator site for Terms and Conditions. If you or someone you know has a gambling problem, help is available. Call the National Council on Problem Gambling 24/7 at 1-800-GAMBLER (NJ, OH), 1-800-522-4700 (CO), 1-800-BETS-OFF (IA), 1-800-9-WITH-IT (IN). Must be 21 or older to gamble. Sports betting and gambling are not legal in all locations. Be sure to comply with laws applicable where you reside.
We occasionally recommend interesting products and services. If you make a purchase by clicking one of the links, we may earn an affiliate fee. Sportsbook Wire operates independently, though, and this doesn’t influence our coverage.
A win for N. Alabama would push their record over .500, and after one quarter of play they've put themselves in a good position to make it happen. They have jumped out to a quick 40-31 lead against Charleston Southern.If N. Alabama keeps playing like this, they'll bump their record up to 6-5 in no time. On the other hand, Charleston Southern will have to make due with a 3-6 record unless they turn things around (and fast).N. Alabama Lions @ Charleston Southern BuccaneersCurrent Records: N. Alabama 5-5, Charleston Souther...
A win for N. Alabama would push their record over .500, and after one quarter of play they've put themselves in a good position to make it happen. They have jumped out to a quick 40-31 lead against Charleston Southern.
If N. Alabama keeps playing like this, they'll bump their record up to 6-5 in no time. On the other hand, Charleston Southern will have to make due with a 3-6 record unless they turn things around (and fast).
N. Alabama Lions @ Charleston Southern Buccaneers
Current Records: N. Alabama 5-5, Charleston Southern 3-5
N. Alabama has enjoyed the comforts of home their last two games, but now they'll head out on the road. They will challenge the Charleston Southern Buccaneers at 7:00 p.m. ET on Wednesday at Buccaneer Fieldhouse.
The point spread may have favored N. Alabama last Sunday, but the final result did not. They took a 86-77 hit to the loss column at the hands of the Eagles. N. Alabama found out winning isn't easy when your three-point shooting is a whole 21.7% worse than the opposition.
Even though they lost, N. Alabama were smashing the offensive glass and finished the game with 20 offensive rebounds. That's the most offensive rebounds they've managed all season.
Charleston Southern can finally bid farewell to their four-game losing streak thanks to their game last Saturday. They narrowly escaped with a win as the squad sidled past the Bulldogs 66-64. The victory was just what Charleston Southern needed coming off of a 81-52 loss in their prior match.
The Lions' defeat ended a five-game streak of wins at home and dropped them to 5-5. As for the Buccaneers, their victory bumped their record up to 3-5.
Going forward, N. Alabama is the favorite in this one, as the experts expect to see them win by 5.5 points. This will be their first time playing as the favorites on the road this season.
N. Alabama is a solid 5.5-point favorite against Charleston Southern, according to the latest college basketball odds.
The oddsmakers had a good feel for the line for this one, as the game opened with the Lions as a 6.5-point favorite.
The over/under is set at 144 points.
See college basketball picks for every single game, including this one, from SportsLine's advanced computer model. Get picks now.
CHARLESTON, S.C. (WCIV) — For Nancy McDonald Gault, her Christmas craft endeavor was a return to her roots.Well, sort of.Gault recently constructed a Christmas village unlike any other -- the small tinsel reefs and trademark Rainbow Row buildings show a Christmas village crafted in the image of Charleston. The art piece sits on her grand piano, and it only took the retired art teacher three months to build what she now describes as a labor of love."I love Charleston," Gault said gleefully on a phone call....
CHARLESTON, S.C. (WCIV) — For Nancy McDonald Gault, her Christmas craft endeavor was a return to her roots.
Well, sort of.
Gault recently constructed a Christmas village unlike any other -- the small tinsel reefs and trademark Rainbow Row buildings show a Christmas village crafted in the image of Charleston. The art piece sits on her grand piano, and it only took the retired art teacher three months to build what she now describes as a labor of love.
"I love Charleston," Gault said gleefully on a phone call. "I love that area. I love being in the heart of the city. The markets, Meeting Street, right in the thick of it. I love it."
Read more: "SC residents believe in Santa the second-longest among the 50 states."
Gault isn't native to Charleston.
She lives around 200 miles up I-26 east in Greenville, South Carolina.
But her friends -- and she agrees -- believe that she, in another life, was a native Charlestonian.
"I have friends that always say, 'You must be reincarnated from somebody that lived in Charleston,'" Gault said.
The love of Charleston was fostered in several childhood visits to the city and vacations over the years. Each foray to the Lowcountry only planted a deeper appreciation for the culture, people, and architecture of the city.
Read more: "Lowcountry crafters' Taylor Swift-themed ornaments become a holiday hit."
So, reincarnate or not, Gault used her passion for Charleston -- coupled with her background studying art at USC and teaching it at Mauldin Elementary School -- to patiently convert what was a kitchen counter mess into a somewhat viral masterpiece of Charleston-area landmarks.
When the Charleston Christmas village was finished, Gault placed it on a grand piano and snapped a photo of her creation. She was proud of the months of work and wanted to show it off.
She went to social media to post the photo, and the reaction, more than 3,800 likes, over 500 comments, and almost 80 shares, was something she didn't expect.
Some comments praised Gault's accuracy on the project. Others implored her to look for ways to trademark and sell Charleston Christmas villages to outside bidders. But most merely appreciated her similar love for the city they have grown to appreciate themselves.
"It blew my mind, the reaction I got," Gault said of Facebook's response to her work. "I was very honored to have the comments that I got."
Read more: "Illuminating the holiday season: A guide to Lowcountry celebrations."
If Gault has one regret regarding the construction of her Charleston village -- the Christmas decor doesn't come off.
It was made with Christmas in mind, but when the holiday is over, she will have to decide where to put the decorations. Ideally, she would have liked to leave it up year-round. But with the small reefs draping the buildings, miniature trees tucked under archways, snowmen, Santas, and a Santa Slay on a roof, it will be hard to keep up in the middle of July.
The art piece will end up tucked away with the rest of the Christmas decor in Gault's 175-year-old house. But she already knows that if she makes another version of the Charleston village, it will be with removable holiday decorations.
"I could have possibly made it to remove the Christmas stuff and then add it back," Gault said. "I'm sure I could have come up with a bright idea where you could take it off when Christmas is over and add it back. I didn't think about it at the time. It was strictly for Christmas. I closed the lid on the Baby Grand Piano, and that is where it goes."
Read more: "South Carolina named among 'most festive' states in new holiday spirit study."
As for the future of Gault's miniature villages, she said after Christmas, she may explore ways to sell similar creations to people around the country.
"After Christmas, I will see if I can come up with a bright idea on how to ship something like this," she said. "I'll really give that a thought after Christmas."
And for Gault herself, she is promising another trip to Charleston during the Christmas season as soon as possible.
"I've got Charleston all over my house," she said. "I mean, I love Charleston. I need to make another trip down there. I haven't been down to Charleston around Christmas in years. I'm due for a trip."
It ought to serve as an inspiration for another artistic and architectural masterpiece.
If there’s an r in the month’s spelling, it’s a good time to eat them, and if there’s a y in the day’s spelling, it’s a good time to talk about them. We caught up with Captain Thomas Bierce, owner of Charleston Oyster Farm, who gave us the scoop on oysters.Keep reading to learn about the role oysters play in the ecosystem + preservation, harvesting, and what impacts an oyster’s flavor....
If there’s an r in the month’s spelling, it’s a good time to eat them, and if there’s a y in the day’s spelling, it’s a good time to talk about them. We caught up with Captain Thomas Bierce, owner of Charleston Oyster Farm, who gave us the scoop on oysters.
Keep reading to learn about the role oysters play in the ecosystem + preservation, harvesting, and what impacts an oyster’s flavor.
Oysters play an enormous role in the health of the ecosystem because they are the literal foundation of the habitat where most of the benthic (bottom-dwelling) organisms live. Species-rich oyster reefs serve as buffets for some animals and shelter for others. A healthy oyster population will keep the waters they occupy cleaner by filtering the water as the tides ebb and flow past the oyster’s gills.
1/6
Photo by Ian Mahathey
Oysters grown on farms are mostly hatchery-raised oysters meaning they would not otherwise exist. Farm-raised oysters take some of the harvesting pressure off of the wild oyster reefs due to increased demand. Shells from these operations ultimately get recycled back into the environment and used for wild oyster larvae to settle onto and crest a brand-new reef. Oyster farms have also been shown to have higher species abundance and diversity around them.
The main difference between wild and farm-raised oysters is their proximity to the bottom. Different growing environments provide different blends of phytoplankton and nutrients they feed on, giving them subtle differences. One thing that remains the same is the briny flavor. Our site is very close to the Stono River Inlet, which provides all the oysters in this particular area with abundant salt.
The floating cages are designed to hold the oysters just under the surface all the time by rising and falling with the tides. Surface water holds more phytoplankton and nutrients than deeper depths because of the higher levels of sunlight which makes them grow faster. Never having the oyster stop feeding at low tide like their wild counterparts helps them grow faster as well. Cages also allow farmers to flip the cages up for an extended period during the summer to control any wild oysters or barnacles from landing on the singles. Without this mechanism, all the singles would turn into clusters in a matter of weeks. The biggest benefit to using floating cages is they give us the ability to harvest oysters year-round by allowing us to keep them sub-tidal and buffered from the daytime temperatures. Everyone thinks it is the water temperature in the summertime that makes oysters unsafe to eat but it is the air temperature. At low tide, wild oysters are exposed to the winds and rays which can bake them causing increased bacteria levels, but oysters that have been submerged for at least two consecutive weeks are safe to eat.
Oysters take on the flavor of the water they are grown in similarly to how grapes take on the flavor of the earth they are grown in. Winemakers use the term “terroir” but we use the term “merroir” for oysters. Things that influence flavor are the tide, season, geology, available food, location, and even the weather.
My favorite way to eat an oyster is straight out of the water raw which is what guests on our oyster farm tours get to experience!
Apart from providing delicious oysters, Charleston Oyster Farm aims to promote healthy ecosystems, environmental awareness, and local mariculture. Order oysters, book a farm tour, and learn more about the COF.