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Dan Crance: Your Mortgage Man | 134 E Richardson Ave Summerville SC 29483

With 30 years in the industry

Mortgage Broker in Cottageville, SC

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Classic Home Mortgage Providing Trustworthy Mortgage Guidance for Over 30 Years

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 Cottageville, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.

My name is Dan Crance – Cottageville’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 Cottageville, 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.

Service Areas
Classic Home Mortgage Providing Trustworthy Mortgage Guidance for Over 30 Year
Classic Home Mortgage Providing Trustworthy Mortgage Guidance for Over 30 Year

Why Choose Dan Crance As Your Mortgage Lender in Cottageville, SC?

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.

Why Choose Dan Crance As Your Mortgage Lender

Home Financing in Cottageville, SC

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 Cottageville, 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 Cottageville, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.

Home Financing

When you work with Classic Home Mortgage, you can always count on our team to:

  • Put your needs first.
  • Work efficiently and quickly. Many of our home loans close in 30 days or less.
  • Offer you a variety of home loans to choose from, and help you make an informed decision.
  • Provide you with competitive rates that make sense for your budget and lifestyle.

While no two loan terms are the same, a few of the most common loan types include:

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 Cottageville, SC.

Refinancing in
Cottageville, 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 Cottageville, SC – Dan Crance.

Here are just a few reasons why more homeowners in the U.S. are taking advantage of lower rates and refinancing their homes:
Shorter Term Loan

Shorter Term Loan

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.

Do Away with FHA

Do Away with FHA

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.

Switch to Fixed Rate or Adjustable-Rate Home Loan

Switch to Fixed Rate or Adjustable-Rate Home Loan

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.

Common Questions About Home Loans

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.

Generally speaking, you should consider refinancing when mortgage rates are 2% lower than the current rate on your home loan. For some homeowners, refinancing makes sense when there is only a 1% difference. Reducing your mortgage rate is a great way to save money or apply your savings to a home upgrade. The money you save on your refinanced loan depends on your loan amount, budget, income, and charges from interest rates. It’s crucial that you work with a trusted mortgage loan officer in Cottageville, SC, to help calculate your refinancing options.

This is one of our most frequently asked questions at Classic Home Mortgage. In simple terms, points let you make a tradeoff between the upfront costs of your loan and your monthly payment amount. Points are essentially costs that you have to pay to your mortgage lender to get financing under specific terms. A point is defined as a percentage on your loan amount. 1-point is equal to 1% of the loan. So, 1 point on a loan worth $100,000 is equivalent to $1,000. When you pay some of the interest on your home loan upfront, you use discount points to lower your interest rate.

If you plan to live in the property for a few years, it makes a lot of sense to pay points to lower your interest rate. Doing so will help lower your monthly loan payment, which you can use to save money. Paying points may also increase the amount of money that you can borrow. If you do not plan on living in the property for at least a few years, this strategy might not make financial sense because you might not be able to make up the amount of the discount points you paid up-front.

In short, yes, your mortgage lender will need to know your credit score. Credit scoring is a system that creditors use to decide whether they will give you credit. Your credit score helps creditors decide how creditworthy you are or how likely you will repay your loan. In most circumstances, creditors will use your FICO scores during the loan process. Your score will fall between high risk (350) and low risk (850). Your credit score plays a big role in the loan process, and as such, your score must be accurate before submitting a credit report when applying for a loan.

The answer to this question depends on how money you choose to put as a down payment on your home. On a conventional loan, if your down payment is less than 20% of the price of your home, your mortgage broker in Cottageville may require you to get Private Mortgage Insurance or PMI for short. This insurance protects your lender in the event you default on your mortgage. The best way to avoid paying for this insurance is to make a down payment of 20% or more of the purchase price of your home.

Trust Dan Crance

Your Mortgage Lender in Cottageville, SC

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 Cottageville loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

Latest News in Cottageville

Walterboro voters have poll location changes in Nov. 2nd elections

Some polling locations in Walterboro have temporarily changed for the upcoming municipal election.Two former precincts in Walterboro – Walterboro No. 4 and Walterboro No. 5 – have combined, sending voters from these two precincts to the Colleton County School District headquarters to cast their ballots on the Nov. 2nd.Formerly, voters from Walterboro No. 4 used Forest Hills Elementary School as a precinct location and voters in Walterboro No. 5 used Colleton County Middle School. Now, the school district headquarter...

Some polling locations in Walterboro have temporarily changed for the upcoming municipal election.

Two former precincts in Walterboro – Walterboro No. 4 and Walterboro No. 5 – have combined, sending voters from these two precincts to the Colleton County School District headquarters to cast their ballots on the Nov. 2nd.

Formerly, voters from Walterboro No. 4 used Forest Hills Elementary School as a precinct location and voters in Walterboro No. 5 used Colleton County Middle School. Now, the school district headquarters is the go-to spot for voters from Walterboro Precincts 4 and 5.

Because of a miscommunication with the school district regarding this year’s election, schools are open on this year’s election date. Next year, local voting officials anticipate that schools will be closed for the November election, allowing schools to once again be used as a poll site.

Absentee in person begins Monday, October 4.

On this election-day ballot is current and longtime Mayor Bill Young, who is being opposed by mayoral candidates Chrissy Johnson and Alex Cavazzori.

Voters will also be choosing city council candidates in the Nov. 2nd Walterboro municipal election. City council candidates are incumbents Carl Brown, Greg Pryor and James Broderick.

Walterboro is one of several municipalities in Colleton County that are holding elections on Nov. 2nd. Please see below for the full list of formal candidates that have filed to run in each of these towns.

Each of these municipalities will hold their respective elections on November 2nd. The elections are non-partisan, meaning there is no political affiliation on the ballot.

Any run-off elections for these municipalities will be held two weeks after the election on Tuesday, November 16, 2021.

Cottageville

In Cottageville, two candidates have officially filed to run for town council - Elizabeth A. Green and Jay W. McGrew. Only one candidate – Walter “Will” Williams, Jr. – has filed to run for an unexpired council term.

Election Day voting will be held at the Cottageville Elementary School, located at 648 Peirce Road in Cottageville.

Lodge

In Lodge, two people have filed to run for the town’s mayoral seat: Larry M. Carter, Sr. and Richard C. Smith. Candidates who have filed to run for Lodge Town Council are Brenda Connelly, E. Richard “Bo” Ryan, Rose S. Varnadoe and Christy C. Terry.

Election Day voting will be held at the Colleton County Fire-Rescue Station No. 3, located at 8667 Lodge Highway in Lodge. The poll opens at 7:00 a.m. at this location on election day and will remain open until 7:00 p.m.

Smoaks

In Smoaks, two people have filed to seek a seat on town council: James C. “Jimmy” Avant, Jr. and William “Ty” Barnes.

Election Day voting in Smoaks will be held at the Colleton County Fire-Rescue Station No. 7, located at 27250 Lowcountry Highway in Smoaks.

The poll opens at 7:00 a.m. and will remain open until 7:00 p.m.

Only people who live within the town limits of Smoaks can run for office.

Edisto Beach

Edisto Beach has two open seats for its town council. Filing for these council seats has ended, and the candidates who have filed to run for these two council seats are James “Jay” R. Watts II and Robert “Bob” N. Renner.

Only one candidate has filed to run for the town’s mayoral seat and that is current interim mayor Crawford Moore, who was appointed to fill the term of longtime Mayor Jane Darby, who resigned mid-term earlier this year on August 5th.

The Edisto election will happen at Edisto Beach Town Hall, located at 2414 Murray Street at Edisto Beach. The polls will be opened at 7:00 a.m. and will close at 7 p.m. This is a non-partisan election and no party affiliation shall be placed on the ballot.

Registering to Vote

Any resident who wants to vote in an upcoming election and who is not yet registered to vote can do so now. The voter registration deadline for these elections Oct. 3rd.

To register, visit the Voter Registration & Elections Office at 2471 Jefferies Hwy, Walterboro, SC 29488 or register online at www.scVotes.gov.

Voter registration by mail applications will be accepted if postmarked by Monday, October 4.

Absentee ballots may be requested now from the Colleton County Voter Registration and Elections Office by calling 843-549-2842. Anyone wanting to cast their absentee ballot in person can do this beginning Monday, Oct. 4th by going to local Voter Registration & Elections Office, which is located at 2471 Jefferies Highway in Walterboro. Absentee ballots done in person will continue from October 4 until 5:00 p.m. on the day before the election.

The elections office is open Monday-Friday, from 8:00 a.m. to 5:00 p.m.

Horses endangered in Colleton with positive cases of EEE and West Nile

The contagious Eastern equine encephalomyelitis (EEE) virus has once again been found in Colleton County, with one horse testing positive for the disease in rural Colleton County and another horse testing positive for West Nile virus. The location of the positive case of EEE is not being disclosed, at the request of the horse owner. The positive case of the West Nile virus in a horse is in Cottageville. Local animal control officials say they are hoping to stop the virus in the entire county by providing additional mosquito spraying: the E...

The contagious Eastern equine encephalomyelitis (EEE) virus has once again been found in Colleton County, with one horse testing positive for the disease in rural Colleton County and another horse testing positive for West Nile virus. The location of the positive case of EEE is not being disclosed, at the request of the horse owner. The positive case of the West Nile virus in a horse is in Cottageville. Local animal control officials say they are hoping to stop the virus in the entire county by providing additional mosquito spraying: the EEE virus is commonly spread through mosquitoes. “There has been one EEE and one West Nile virus diagnosis in our county. We are spraying to stop it,” said Laura Clark, director of Colleton County Animal and Environmental Services. “These diseases are sad, but preventable,” said Clark. “Even though a horse has been fully vaccinated, most owners are unaware of the advice from equine vets to vaccinate twice a year for EEE and WNV.” This is the first positive case of EEE and the first positive known case of West Nile in Colleton County this year. However, this isn’t the first time the disease has been found in Colleton and in nearby counties. Clemson confirmed on Aug. 25, 2020, that two cases of horses with EEE had been found: a four-year-old paint mare in Colleton and a two-year-old paint colt in Jasper County. Both horses had to be euthanized. Now, another horse has tested positive for EEE and horse owners have been put on alert. EEE is one of the most dangerous mosquito-transmitted diseases in the U.S. The virus spreads from wild birds to mosquitos. The mosquitos then pass the virus to humans, horses and other birds. Officials at VetMed say that birds are like reservoirs for the virus. Mosquitoes and other biting insects carry the pathogen from infected birds and transmit it to horses when they bite. A horse affected with EEE is not contagious and poses no risk to other horses, humans or birds. The mosquito has to bite an infected bird and then a horse or human to transmit the disease. The virus is the cause of brain infections (encephalitis) in people, horses and other mammals. In people it also causes meningitis, but in horses, it is more deadly. Symptoms in horses include: weakness, staggering gait, unable to stand, depression and anorexia, high fever, lack of appetite, lethargy, drowsiness, hyperexcitability, tremors of the face and neck muscles, convulsions, cranial nerve paralysis, facial paralysis, weakness of the tongue, head tilt, droopy lip, muzzle deviation, incoordination or complete paralysis of one or more limbs, colic, and muscle twitches in neck, flank and shoulders. There is no effective treatment, and horses infected with EEE have a 75 – 95 percent morbidity rate. However, the disease can be prevented in horses with a twice-yearly vaccination. The West Nile Virus (WNV) infection was recently diagnosed in Cottageville in Cassey Spell’s sixteen-month-old Appaloosa mare named “Reba.” “I noticed that Reba had tremors, a quivering lip, walked stiffly, and was weak in her back legs. Her fever spiked at 103.3, and when the vet came, we put her in a stall. Eventually she couldn’t stand at all,” said Spell. The vet took blood and sent it to Clemson, where West Nile was diagnosed, but it took seven days to get the results. Fortunately, the vet had prescribed strong antibiotics to try and get her back on her feet. “For three days, I stayed with her and made a soupy mash for her to eat. Day by day she got a little better, but was able to stand for only 10 minutes at time before she would collapse,” said Spell. “On day three, the vet gave the horse a diuretic to flush the virus, and that seemed to help. Day four she grazed a little and walked for about 30 minutes before she went down. On day five, her tremors were gone, and by day six, she was much better. “On day seven the blood work came back as West Nile,” she said. Spell dumped all water troughs and bleached them, but there was nothing she could do about the puddles of rain water across the farm and along Highway 17A.

“This has been a definite concern, so we contacted the County Animal Services to get help with spraying around the area. We are taking every precaution we can. Oddly enough, we have 12 horses, and this was the only one infected,” Spell said. Symptoms of West Nile may include fever, incoordination, stumbling, falling, weakness, muscle twitching, seizures, drooping lips, lip smacking, head drooping, grinding teeth, and abnormal sensitivity to touch or sound. Serious cases may be unable to rise, and then death.

How to protect your horses and yourself Humans are able to contract these two diseases; therefore, precautions need to be taken to prevent transmission. According to the CDC, use insect repellent, wear long-sleeved shirts and pants, treat clothing and gear, and take steps to control mosquitoes indoors and outdoors to prevent mosquito bites. Get rid of all standing water if possible. Spray for mosquitos outdoors around property. There are environmentally friendly homemade repellents that people can also use. Recipes are found online. For horses, the American Association of Equine Practitioners suggests that horse owners keep all horses up to date on vaccinations. The first initial vaccination is followed in 4 to 6 weeks with a booster, and yearly revaccination is recommended. More frequent boosters twice yearly are recommended in areas with year-round mosquito seasons and in endemic areas such as the Lowcountry.

Mosquito management Practice mosquito management on all properties where horses are kept: -Use insect repellents frequently; re-apply after rain. -Keep horses in at night when possible, and apply insect repellant. -Eliminate or minimize standing water. -Stock tanks or ponds with mosquito-feeding fish. -Eliminate brush piles, gutters, old tires and litter. -Remove all equipment in which standing water can collect.

Mosquito Spraying Schedule in Colleton County In an effort to minimize the mosquito population in the area where the horse was recently infected, Colleton County will be doing a ground spray application of mosquito control product on the following dates, weather permitting. Ground spray will be conducted between the hours of 7:00 p.m. and 1:00 a.m. on Thursday, September 23, 2021; Thursday, October 7, 2021; and Thursday, October 21, 2021. The chemical that will be applied contains Permethrin and Piperonyl Butoxide as the active ingredients. If bee keepers are in the area, they need to notify Animal Services. The following roads/areas in Cottageville will be included in the application: Jacksonboro Road from Griffiths Acres Dr. to Hwy 17A, Amber Court, Dairy Lane, Durant Avenue from Goos Lane to Griffiths Acres Drive, Goos Lane, Nuthatch Lane, Mistletoe Lane, Rehoboth Road from Hwy 17A to Van Dyke Road, Peirce Road from Hwy 17A to Rhode Drive and to Depot Road, Hwy 17A from Depot to 12403 Hwy 17A (Lone Fox Farm), Cottageville Elementary School, Sally Ackerman Drive, Hwy 17A from Joyland Lane to Reevestown Road, Caboose Court, Depot Road, and Clydeville Lane from Hwy 17A to Kennedy Lane, Gatch Lane, Cone Court, Majestic Oak Way, Bama Road from and to Hwy 17A, Farmer Road, blocker Lane, Kim Lane, Miller Willilams Lane, Saint Charles Place, Welch Lane, and Angelic Lane. For questions regarding this program, contact Colleton Animal Services at 843-893-2651, or email ccaec@colletoncounty.org.

Cottageville family loses everything in weekend house fire

The American Red Cross is helping a Cottageville family with temporary shelter and food after a house fire destroyed their home on Saturday, March 13th.Firefighter-paramedics with Colleton County Fire-Rescue were called to the Amber Court house in Cottageville at about 8:55 a.m. They found an adult man climbing out of a small window of the mobile home when they arrived: the man was not harmed.According to Barry McRoy, chief of Colleton County Fire-Rescue, the house was already about 65 percent engulfed, or filled with flames, w...

The American Red Cross is helping a Cottageville family with temporary shelter and food after a house fire destroyed their home on Saturday, March 13th.

Firefighter-paramedics with Colleton County Fire-Rescue were called to the Amber Court house in Cottageville at about 8:55 a.m. They found an adult man climbing out of a small window of the mobile home when they arrived: the man was not harmed.

According to Barry McRoy, chief of Colleton County Fire-Rescue, the house was already about 65 percent engulfed, or filled with flames, when fire crews arrived on scene.

“Firefighters deployed multiple hand lines to the structure and stopped the spread of the flames, but the interior of the mobile home was gutted,” he said. “The family lost most of their belongings.”

McRoy said local fire crews had the fire under control within 15 minutes, but crews stayed on scene for about two hours “performing overhaul.”

According to McRoy, the fire appears to have started in a utility shed located next to the house. The flames then spread to the mobile home, he said. The utility shed, which was about 12x12 in size, was fully engulfed when firefighters arrived on scene.

No one was injured in the blaze.

The American Red Cross was called to help the family.

A second house fire that also occurred in Cottageville last week left a Cottageville family with house damage and with personal losses. (See more information on that story in this issue).

So far this year, CCFR has already responded to 18 structure fires.

In 2020, CCFR responded to 73 structure fires.

According to McRoy, the number of fires in 2020 was down from the year prior: in 2019, Colleton County Fire-Rescue responded to 28 fires.

For this year’s house fires, McRoy said firefighter-paramedics have seen the fires being related to people smoking. He also said yard debris fires this year have gotten out of control and sent flames to nearby houses and structures.

“We are seeing an increase in the woods fires,” he added. “Most of the fires are from people burning outdoors, such as yard debris fires, someone burning off their yard and even people burning household garbage, which is not permitted.

“This is the time of year, people tend to burn yard debris from cleaning up their property or conduct large outdoor burns related to land management,” he said. “Many people leave the fires unattended and they spread to neighboring property or buildings. Some of those structure fires are related to unattended outdoor burning which spread to outside utility buildings.”

Little Cottage Bakery treats

Chelsea Smith Reeves is reaching her goal of having it all. She and her husband, Hunter, have been married for just over a year. They lived in Summerville for a while, but decided to move to Cottageville to be near family. With the birth of their little girl, Cumberland Mae, Reeves chose to be a stay-at-home mom. Knowing that she had a love of cooking and baking, Reeves decided to start a bakery business, Little Cottage Bakery. “I have been cooking and baking since I was a little girl,” said Reeves. “Our family is full of a...

Chelsea Smith Reeves is reaching her goal of having it all. She and her husband, Hunter, have been married for just over a year. They lived in Summerville for a while, but decided to move to Cottageville to be near family. With the birth of their little girl, Cumberland Mae, Reeves chose to be a stay-at-home mom. Knowing that she had a love of cooking and baking, Reeves decided to start a bakery business, Little Cottage Bakery. “I have been cooking and baking since I was a little girl,” said Reeves. “Our family is full of amazing cooks, and I have so many wonderful memories growing up being in the kitchen with my mom, aunts and grandmas. I’ve always loved the idea of growing up, having my own home where I can host parties and do all of the catering. I love how so many wonderful memories are created around the table,” she said. Those memories are still going on as Reeve’s mom, Cindy, is her part-time partner in the business. “I decided to start this business to give me the opportunity to stay home and raise our little girl while showing her she can do anything she puts her mind to if she works hard and stays dedicated,” said Reeves. Those values are important to her since she was raised on those same principles. With her talent for cooking and baking, combined with her strong work ethic, business has spread by word of mouth and Facebook throughout Cottageville and neighboring communities.

Business is so good that she is fully booked through Thanksgiving. “Business has been great! We have received so much support from our community. Right now, our business is in home; however, we are strongly considering expanding,” said Reeves. Her future plans are to continue to expand and grow and work her way to a retail location to benefit her customers. According to Reeves, her specials are her famous chocolate chip cookies and homemade-from-scratch cakes and pies. “We bake cookies, cakes, pies, cupcakes, quiche, loaf cakes, muffins, cheesecakes and have more in the works at Little Cottage Bakery,” said Reeves. “We use family southern recipes for all of our products and use as many farm fresh ingredients as possible.” Reeves is proud of the success of Little Cottage Bakery and the rapport she has with her community and family. “My entire family is an inspiration and full of so many incredible people,” said Reeves. “My faith in God inspires me to use the gifts and talents I’ve been given and serve others. And my husband and little girl are the lights of my life and make me want to be better each day for them.” Reeves wants her customers to know that she is taking orders for Christmas and will be rolling out some specialty items. Some of these are decorative Christmas jars filled with cookie ingredients. People can order through Facebook or call 843-789-0266.

Four Colleton towns to hold elections

Filing is open for candidates who want to run for elected seats for several different towns in Colleton County. Four towns in Colleton County are each holding their own municipal elections on Tuesday, Nov. 2nd: The towns of Smoaks, Cottageville, Lodge and Edisto Beach. Filing for candidates in each of these elections begins on noon on Monday, August 9th and runs through noon until Monday, August 23rd.Smoaks The Smoaks General Election will be held on Tuesday, Nov. 2nd for electing two town council members. This is a...

Filing is open for candidates who want to run for elected seats for several different towns in Colleton County. Four towns in Colleton County are each holding their own municipal elections on Tuesday, Nov. 2nd: The towns of Smoaks, Cottageville, Lodge and Edisto Beach. Filing for candidates in each of these elections begins on noon on Monday, August 9th and runs through noon until Monday, August 23rd.

Smoaks The Smoaks General Election will be held on Tuesday, Nov. 2nd for electing two town council members. This is a non-partisan election, meaning there is no political affiliation on the ballot. Filing for candidates opens at noon on Monday, August 9th and runs until noon on Monday, August 23rd. There is no filing fee. Anyone wanting to file for a seat should go to the Voter Registration and Elections Office, located at 2471 Jefferies Highway in Walterboro. Election Day voting in Smoaks will be held at the Colleton County Fire-Rescue Station No. 7, located at 27250 Lowcountry Highway in Smoaks. The poll opens at 7:00 a.m. and will remain open until 7:00 p.m. Only people who live within the town limits of Smoaks can run for office.

Lodge In Lodge, the town’s election for a mayor and two council members will be held on Tuesday, Nov. 2nd. This is a non-partisan election. Interested candidates should go to the county’s Voter Registration and Elections Office, located at 2471 Jefferies Highway in Walterboro. Filing for candidates opens at noon on Monday, August 9th and run through noon on Monday, August. 23rd. There is a $15 filing fee for this election. Election Day voting will be held at the Colleton County Fire-Rescue Station No. 3, located at 8667 Lodge Highway in Lodge. The poll opens at 7:00 a.m. at this location on election day and will remain open until 7:00 p.m.

Edisto Beach The Town of Edisto Beach will hold its election on Tuesday, Nov. 2nd to elect two new council members. Each council member will serve a four-year term. This election will also be for a mayor to finish two years on a current four-year term: current Mayor Jane Darby resigned from her post on August 5th. (See related story in this issue). Candidates in the Edisto Beach election are nominated by petition. Each council candidate wanting to run for a council seat must complete a petition: a petition must contain the signature of at least five percent of the qualified registered voters in the town. Information on the mayoral special election is not yet available, as of press deadline. Filing for Edisto Beach Town Council candidates opened on August 2nd. The petition must be filed with the Town Clerk by noon on August 19th. Petition forms may be acquired from Town Hall or online at scvotes.gov. Also, candidates must file Statement of Economic Interest forms, which are also found online at www.ethics.sc.gov. The Edisto election will happen at Edisto Beach Town Hall, located at 2414 Murray Street at Edisto Beach. The polls will be opened at 7:00 a.m. and will close at 7 p.m. This is a non-partisan election and no party affiliation shall be placed on the ballot.

Cottageville The non-partisan Cottageville municipal election will be held on Tuesday, Nov. 2nd and is for the election of two council members: one council member has a term ending in 2025 and the other is for an unexpired term that ends in 2023. Anyone desiring to be a candidate for Cottageville Town Council may file at the Cottageville Town Hall, located at 72 Salley Ackerman Drive in Cottageville. Filing opens at noon Monday, August 9, 2021 until noon Monday, August 23, 2021. There is a $50 filing fee for the Cottageville election. Election Day voting will be held at the Cottageville Elementary School, located at 648 Peirce Road in Cottageville. The poll opens at 7:00 a.m. on election day and will remain open until 7:00 p.m.

Any run-off elections for these municipalities will be held two weeks after the election on Tuesday, November 16, 2021.

Candidate Information Candidates wanting to run in any of these municipal elections should begin filing their required state forms. These forms are required, in addition to any filing fees that might be required by the individual municipalities. To obtain the ‘Nonpartisan Statement of Intention of Candidacy’ form, candidates should go to www.scVotes.gov/candidate_information then select ‘Filing for Municipal or other Nonpartisan Offices’. Copies of this form are also at the county’s voter registration office. All candidates must also file the ‘Statement of Economic Interest’ and ‘Campaign Disclosure’ forms with the State Ethics Commission. These forms must be completed online at www.ethics.sc.gov.

Registering to Vote Any resident who wants to vote in an upcoming election and who is not yet registered to vote can do so now. The voter registration deadline for these elections Oct. 3rd. To register, visit the Voter Registration & Elections Office at 2471 Jefferies Hwy, Walterboro, SC 29488 or register online at www.scVotes.gov. Voter registration by mail applications will be accepted if postmarked by Monday, October 4. Absentee ballots may be requested now from the Colleton County Voter Registration and Elections Office by calling 843-549-2842. Anyone wanting to cast their absentee ballot in person can do this beginning Monday, Oct. 4th by going to local Voter Registration & Elections Office, which is located at 2471 Jefferies Highway in Walterboro. Absentee ballots done in person will continue from October 4 until 5:00 p.m. on the day before the election. The elections office is open Monday-Friday, from 8:00 a.m. to 5:00 p.m.

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