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 Columbia, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Columbia'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 Columbia, 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 Columbia, 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 Columbia, 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 Columbia, 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.
We can’t think of a better way to soak in Columbia’s greenspace than spending some time on the links. Whether you’re looking to connect outdoors with friends or you’re honing in on the perfect swing, here are 22 golf courses to make a tee time at around the Soda City.Members onlyColumbia Country Club, 135 Columbia Club Dr., Blythewood | This club offers a championship golf course, dining, swimming, and...
We can’t think of a better way to soak in Columbia’s greenspace than spending some time on the links. Whether you’re looking to connect outdoors with friends or you’re honing in on the perfect swing, here are 22 golf courses to make a tee time at around the Soda City.
Columbia Country Club, 135 Columbia Club Dr., Blythewood | This club offers a championship golf course, dining, swimming, and various sports programs. Home of the 121st U.S. Women’s Amateur Champion Jensen Castle.
The Country Club of Lexington, 1066 Barr Rd., Lexington | Recently awarded “Club of the Year” by the SCGA, this top-ranked course offers a full-service driving range, short game practice facility, two putting greens, an Olympic-size swimming pool, seven tennis courts, and banquet/meeting rooms.
Forest Lake Club, 340 Country Club Dr., Columbia, SC | Established in 1923, this 18-hole course offers 6,385 yards of golf, tennis courts, swimming pools, and dining venues.
Solina Golf, 200 Indian River Dr. | Solina (SOuth caroLINA) Golf course is currently being renovated and is accepting membership applications. This course was a public course named Indian River.
Spring Valley Country Club, 300 Spring Valley Rd., Columbia | PGA accredited golf professionals and full practice facilities including unlimited range balls, large practice green, short game area, private teaching tee, and multi-tiered range tee.
The WildeWood Club, 90 Mallet Hill Rd. | A neighborhood club offering not only a beautiful golf course, but a tennis facility with lighted clay + hard courts, and a seasonal swimming facility.
The Woodcreek Club, 301 Club Ridge Rd., TKTKTK | This is a Tom Fazio-designed course with features that include a two-tier tee setup and top-quality practice facilities.
The Woodlands Country Club, 100 Norse Way, Columbia | This is a Russell Breeden-designed 18-hole Championship Golf Course that opened in 1974. The course is situated on 188 total acres. The course has hosted notable events and offers individual instruction, clinics, and various tournaments throughout the year.
Charwood, 222 Clubhouse Dr. #2589, West Columbia | Rates — $35+ for 18 holes. The course takes full advantage of its location along a 15-mile sand strip with naturally sandy “waste areas” that create a unique challenge for players.
Cobblestone, 1298 University Pkwy., Blythewood | Rates — $70+ for 18 holes. Golfers will find rolling hills, panoramic views, and oak and pine trees on this 27-hole course.
Fort Jackson Golf Club, Fort Jackson, Columbia | Military facility managed by U.S. Army Morale, Welfare and Recreation, featuring two golf courses including the 18-hole “Old Hickory” course with 6,624 and the wildcat course playing 5,426 yards.
Golden Hills Golf and Country Club, 100 Scotland Dr., Lexington | Set in the heart of Lexington, this 18-hole championship course offers beautiful trees and lakes, four lighted tennis courts, an outdoor Junior Olympic pool, children’s wading pool, driving range, chipping area, putting green, and a clubhouse with banquet facilities, Scottish tavern, golf shop, and locker rooms.
Hidden Valley, 147 State Rd. S-32-1144, Gaston | Situated just outside Columbia, this public 18-hole par 72 course offers a fair challenge and a premier experience with 6,800 yards of secluded layout.
Linrick, 356 Camp Ground Rd., Columbia | Columbia’s municipal golf course features eight ponds and rolling hills on 257 acres.
The Spur at Northwoods, 201 Powell Rd, Columbia | Designed by P.B. Dye, son of world-famous architect Pete Dye, the course winds through wooded areas with several ponds.
Oak Hills, 7629 Fairfield Rd., Columbia | Located on a 160-acre tract of land outside with gently rolling hills surrounded by oak, pine, and dogwood trees.
Timberlake Country Club, 222 Timberlake Dr., Chapin | Located on Lake Murray, Timberlake is a scenic and challenging 18-hole course.
The Windermere Club, 1101 Longtown Rd. E., Blythewoood | Designed by Pete Dye, this course offers a challenging golfing experience with different tee positions, subtle elevation changes, and fairways bordered by hardwood trees and water hazards throughout.
Par Tee + Par 3 Course, 3209 Charleston Hwy., West Columbia | Experience a scenic driving range overlooking the Cola skyline with mini-golf, lessons, club fitting, and a unique 3-hole Par 3 Loop
James Clyburn Golf Center, 2091 Slighs Ave., Columbia | A full-service golf practice facility and learning center located off Harden Street in downtown Columbia
LJ’s Par And Grill, 381 Pilgrim Church Rd., Lexington | Enjoy a lighted golf driving range and putting green, offering tasty food, ice-cold beer, live music, and an ice cream parlor. It’s a perfect place to enjoy golf and entertainment.
Riverside Golf Center, 1600 Garner Ln., Columbia| The 9-hole riverside par-3 course features 1,100 yards of golf from the longest tees for a par of 27 and a driving range with an automated ball dispenser.
Player’s Club Academy, 1626 Main St. STE 300 | An indoor golf facility with cutting-edge simulators, offering virtual courses, membership benefits, and a relaxing bar + lounge.
Pro Swing, 105 Snapdragon Ct., Chapin | Pro Swing features Golfzon’s Two Vision golf simulators, providing golfers with a realistic experience. Play and compete on famous courses, take lessons from experienced instructors, or host an event in a climate-controlled environment.
Child care programs across South Carolina could raise tuition, cut wages and even close as access to federal pandemic relief ends Sept. 30.Federal support totaling $954 million has helped programs in South Carolina keep their doors open amid economic turmoil caused by the COVID-19 pandemic. The facilities often used the money to keep programs staffed by raising wages for some of the most poorly paid workers in America, and making mortgage, rent and utility payments.In December 2022, the National Association for the Education of...
Child care programs across South Carolina could raise tuition, cut wages and even close as access to federal pandemic relief ends Sept. 30.
Federal support totaling $954 million has helped programs in South Carolina keep their doors open amid economic turmoil caused by the COVID-19 pandemic. The facilities often used the money to keep programs staffed by raising wages for some of the most poorly paid workers in America, and making mortgage, rent and utility payments.
In December 2022, the National Association for the Education of Young Children surveyed 81 child care programs in South Carolina regarding the federal support. It found the following:
More than 1,900 of South Carolina’s 2,336 child care programs received some federal support, helping provide care for up to 151,800 children in the last two years, according to the U.S. Department of Health and Human Services.
Programs in every county but one received federal support, including 204 programs in Richland County, 178 in Greenville County and 154 in Charleston County.
According to Meredith Burton, director of the Furman Child Development Center and member of South Carolina’s Association for the Education of Young Children, the programs haven’t found additional sources of revenue to make up for the looming gaps in funding.
But the impact may not be immediate since South Carolina still has hundreds of millions of federal dollars on hand. Included in the 2021 American Rescue Plan was $24 billion for child care. South Carolina received four grants totaling $954 million.
So far, the state’s Department of Social Services has distributed $694 million. The rest will be allocated over the next year, according to the department.
Tiffany Paschal, a public information officer for the agency, said the state will be strategic in how they use the rest of the one-time investment. Paschal also pointed out that 100 new child care programs have opened in South Carolina in the last year. In August alone, the Department of Social Services licensed four new family child care homes and 14 new child care centers through the agency’s Child Care Licensing program.
State-level assistance for child care programs and scholarships for families struggling to afford child care will remain available. The Department of Social Services recently announced a one-time grant to help programs pay for materials and support classroom functionality.
DSS announces latest grant program for childcare providers
The federal support was a bandage for an industry that was already facing financial strife before the pandemic. “Programs were in a dire situation when the pandemic hit,” Burton said, “and they were already in a pretty awful situation.”
Included in the same December 2022 survey of 81 South Carolina child care programs:
Child care centers have long struggled with high turnover and keeping programs staffed due to low wages and burnout. Child care workers are among the lowest-paid workers in the U.S., with a median income of $28,520 as of 2022, according to the Bureau of Labor Statistics. That number is lower in South Carolina: $25,050.
Southern charm and an easy-going attitude make Columbia a great place for families. In the heart of South Carolina, just 90 miles south of Charlotte, there are more activities for the whole family than hours to do them. Below, we’ve assembled a sampling of what’s in South Carolina’s capital city and the surrounding area for families:Friday After getting settled, it’s time to fuel up! Stop by ...
Southern charm and an easy-going attitude make Columbia a great place for families. In the heart of South Carolina, just 90 miles south of Charlotte, there are more activities for the whole family than hours to do them. Below, we’ve assembled a sampling of what’s in South Carolina’s capital city and the surrounding area for families:
After getting settled, it’s time to fuel up! Stop by Groucho’s in the Five Points district to try one of their famous sandwiches (Apollo Dipper, anyone?). After one bite, you’ll understand why the locals rave about this place. Once you’re stuffed, it’s time for an out-of-this-world experience at two of the Southeast’s best museums:
Take one step into EdVenture, a children’s museum, and you’ll spot Eddie, a 40-foot tall, 10-year-old boy that kids can climb to explore the human brain, heart, and stomach. From there, visit the busy bee farm or the neighborhood market, and be sure to check out the exhibits. Sit in the cockpit at the FLIGHT exhibit, and experience the sensation of flying over Columbia.
EdVenture shares a parking lot with the South Carolina State Museum, making it easy to keep the learning going. With four floors of art, science, history, and technology exhibits, the whole family will dig this spot. They’ve got a digital planetarium, 4D interactive theater, and Boeing observatory deck as well as a constant cycle of exhibits.
All of that hands-on learning and discovery will work up an appetite again, and you can satisfy those growling stomachs with a visit to Cantina 76 on Main Street. The Mexican-inspired menu has something for everyone to enjoy (and not to mention, hand-crafted margaritas for parents). Then, enjoy a mouth-watering treat from Sweet Cream Co. Hand-crafted with the highest quality ingredients, Sweet Cream Co. takes ice cream to the next level.
Start the morning off with breakfast at Eggs Up Grill on Devine Street. Here, they have a “pick 3” option for the kiddos to get exactly what they want. We suggest ordering an extra plate of caramel apple pancakes to share, these delicacies are giant in size, and fluffy in texture, which makes them perfect for splitting before heading back to Main Street for your next adventure.
On Saturdays, experience Soda City Market with the family. Grab some Carolina popcorn, boiled peanuts, and coffee to keep everyone content while you stroll charming Main Street. The kids will likely have their pick of balloon animals or face painting, and they can watch magicians and musicians perform in the streets around them. All the while, you can grab some fresh produce and locally-made gifts. Don’t forget to stop in at Mast General. Your kids will like the barrels of candy and old-timey toys, and you can peak at some breezy outdoor fashion or the latest camping gear.
From there, check out the Columbia Museum of Art, just off Boyd Plaza in the heart of Soda City. The museum offers gallery scavenger hunts, art explorer backpacks, and a hands-on creative space to keep kids engaged while touring the museum.
Time to burn some more energy and go bananas at Frankie’s Fun Park. They’ve got an arcade, mini golf, go-carts, and more. Or give Plex HiWire a try. The trampoline park has locations in Irmo and Northeast Columbia. We’ve seen 12-year-olds and 30-year-olds enjoy jumping into foam pits.
Get your day started with a strong cup of coffee, and a quick breakfast at smallSUGAR in The Vista district. Some caffeine and one of their delicious tartines will give you the energy boost you need to get to your last adventure of the weekend.
A trip to Columbia is incomplete without a trip to Riverbanks Zoo for animal spotting, giraffe feeding, and adventure-seeking. This is not your average zoo with its Waterfall Junction, rock climbing wall, and sky-high safari vertical ropes challenge. The zoo also features family-friendly signature events throughout the year, like Boo at the Zoo during the fall season.
Want to avoid the crowds? There are tons of options to explore the great outdoors. If you’re a hiking family, lace up your boots and head to Congaree National Park, South Carolina’s only National Park. Looking to kayak, canoe, or picnic? Saluda Shoals, located along the banks of the Saluda River, is a great place to spend the day. Their splash pad is perfect to keep the little ones cool and entertained on a toasty summer day.
Be sure to head to Experience Columbia SC’s website for more ideas on enjoying the region!
Assessments kick off during National Fall Prevention Month and Continue Through Oct 31COLUMBIA, S.C., Sept. 28, 2023 /PRNewswire/ -- The Center...
Assessments kick off during National Fall Prevention Month and Continue Through Oct 31
COLUMBIA, S.C., Sept. 28, 2023 /PRNewswire/ -- The Centers for Disease Control reports, "Every second an adult in the U.S. falls." Additional CDC research shows falls are the leading cause of injury and death in people over age 65. To help you be proactive in taking preventive measures, Benchmark Physical Therapy and Drayer Physical Therapy are offering complimentary fall risk screenings for adults during National Fall Prevention Month.
The free assessments are available 9 a.m. – 4 p.m., through October 31, at 17 Benchmark and Drayer locations in Columbia as part of their "Move to Live" campaign, an initiative encouraging adults to be mobile, active, and independent while keeping them safe in their homes and communities. The free screenings involve a series of balance, stability, strength, and agility tests.
"Based on the results of the tests, PTs will recommend whether interventional strategies, such as physical therapy, will help improve balance and stability and lessen your risk of falling," says Suzy Kole, Regional Vice President of Drayer Physical Therapy.
Research by the Moran Company found PT significantly contributes to injury prevention and that PT users are 50% less likely to have injury-related hospitalizations and 50% less likely to have injury-related emergency room visits in the six months following their initial fall.
A study in the American Journal of Epidemiology reveals falling once doubles your chances of falling again and individuals who fall are often afraid of doing it again, which can lead to decreased activity levels. The CDC reports when someone is less active, they become weaker, which increases their chances of falling.
Kole stresses the importance of the fall-risk screenings. "We can assess your risk factors and help you prevent future falls that can lead to devastating, life-changing events," she says. "Research shows that anyone with neurological disorders such as Multiple Sclerosis, Cerebral Palsy and Parkinson's can be at high risk of falling and there are many other patients with musculoskeletal conditions, like osteoporosis, who are also at risk."
To book a free assessment, log on to www.movetoliveusa.com and select a location, time, and date.
Benchmark Physical Therapy and Drayer Physical Therapy are members of the Upstream Rehabilitation family, the nation's largest dedicated provider of physical therapy services with more than 1,200 U.S. locations.
SOURCE Upstream Rehabilitation
HIGH POINT, N.C.--(BUSINESS WIRE)--Lumos, a leading 100% Fiber Optic Internet and Total Home Wi-Fi service provider in the Mid-Atlantic, received franchise approval in the Cities of Columbia, West Columbia, and Irmo, South Carolina. With these agreements in hand, Lumos will deploy the equipment necessary to provide the region with access to its high-speed fiber-optic network. As part of the franchise agreement, Lumos will also provide free, high-speed internet servic...
HIGH POINT, N.C.--(BUSINESS WIRE)--Lumos, a leading 100% Fiber Optic Internet and Total Home Wi-Fi service provider in the Mid-Atlantic, received franchise approval in the Cities of Columbia, West Columbia, and Irmo, South Carolina. With these agreements in hand, Lumos will deploy the equipment necessary to provide the region with access to its high-speed fiber-optic network. As part of the franchise agreement, Lumos will also provide free, high-speed internet service to select public parks and recreational areas in Columbia and Irmo.
Lumos initially announced its expansion into South Carolina with a $100 million investment in Richland and Lexington Counties to build over 1,200 miles of fiber optic technology. These franchise agreements, combined with the previously announced investment, will facilitate Lumos’ reliable, high-speed internet access to many unserved and underserved residents and provide an added boost to economic development in the area.
“We are thrilled to advance our fiber optic infrastructure in the Greater Columbia area,” said Brian Stading, CEO of Lumos. “Today’s announcement is a testament to the ongoing support from state and local representatives to expand our lightning-fast fiber internet services. At Lumos, we are committed to building a 100% Fiber Optic infrastructure that serves South Carolinians for decades to come.”
This franchise approval has received widespread support from community leaders and highlights Lumos’ rapid regional development and ambitious growth. Lumos is committed to bridging the digital divide and is proud to serve many public parks and recreational facilities with ultra-fast fiber internet access through this partnership with the Greater Columbia area.
To check if Lumos’ 100% Fiber Optic Internet is available at your address, please visit www.lumosfiber.com/builtforthefuture.
Lumos provides 100% Fiber Optic Internet, whole-Home Wi-Fi, voice, and streaming services to more than 250,000 homes and businesses across its North Carolina, Virginia and, recently announced, South Carolina footprint. We believe that the possibilities of tomorrow cannot be built on the infrastructure of yesterday. That’s why we’re building a 100% Fiber Optic network from the ground up for families, small businesses, and communities, backed by local, expert customer service. An Internet built for that most hopeful of all things – the future. Because whatever the future holds, Lumos makes it faster. Learn more at www.lumosfiber.com.