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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
Mortgage Broker Cottageville, SC
 Refinance Cottageville, SC

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.

 Conventional Mortgage Cottageville, SC

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.

 FHA Mortgages Cottageville, SC

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:
 Home Ready Mortgages Cottageville, SC
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.

 Mortgage Banker Cottageville, SC

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.
 Mortgage Company Cottageville, SC

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, SC

Students competed for top prizes in the county science fair

RIPLEY, W.Va. (WV News) — For the first time in almost 20 years, Jackson County schools held the Jackson County Science Fair Championship for grades three through eight.One initiative this year is to provide Jackson County students with as many learning opportunities as possible by allowing them to use their creativity and imagination to make learning meaningful.Hopefully, this event will continue to grow for many years to come, officials said.Appreciation goes to all parents, students and judges for making this wo...

RIPLEY, W.Va. (WV News) — For the first time in almost 20 years, Jackson County schools held the Jackson County Science Fair Championship for grades three through eight.

One initiative this year is to provide Jackson County students with as many learning opportunities as possible by allowing them to use their creativity and imagination to make learning meaningful.

Hopefully, this event will continue to grow for many years to come, officials said.

Appreciation goes to all parents, students and judges for making this wonderful event possible and placing academics at the top.

2023 Jackson County Science Fair Winners

Elementary Division

Animal Science

1st — Makenna Yeager & Sylvia Waybright – Cottageville Elementary

2nd – Oliva Blackwell – Kenna Elementary

3rd – Kimber Packard & Alexis Carter – Cottageville Elementary

Plant Science

1st — Russel Shockey – Gilmore Elementary

2nd — Kinsley Weaver – Evans Elementary

3rd – Oliva Fisher & Mahayla Gregory – Ripley Elementary

Behavioral and Social Science

1st – Ariana Snider – Gilmore Elementary

2nd – Leah Lambert – Ravenswood Grade

3rd – Jada Douglas, Jasmine Cedar, Ferrah Bryant and Jaden Thompson – Ravenswood Grade

Energy

1st Emma Abbott – Ripley Elementary

Technology and Systems

1st Ayden Lott – Gilmore Elementary

Physics and Astronomy

1st Kaesyn Barnett – Evans Elementary

2nd Nate Hartley – Cottageville Elementary

Chemistry

1st – Serenity Reed – Kenna Elementary

2nd Ellie Crislip – Ripley Elementary

3rd – Skyler Thacker – Evans Elementary

Engineering

1st – Alex Mills – Cottageville Elementary

Math and Data

1s – Evan Blane – Evans Elementary

Earth and Environmental Science

1st – Alivia Belisle – Kenna Elementary

Middle School Division

Plant Science

1st Rachel Lambert – Ravenswood Middle

Behavioral and Social Science

1st Brooks Wolfe – Ravenswood Middle

Physics and Astronomy

1st Ralphie Rhodes – Ravenswood Middle

Math and Data

1st Carter McCloud – Ravenswood Middle

Medical Science

1st Mason Kerns – Ravenswood Middle

Material Science

1st Adrianna Nichols – Ravenswood Middle

2nd Duncan Cook – Ripley Middle

Chemistry

1st Annavella Schoolcraft – Ravenswood Middle

2nd Hunter Funk – Ripley Middle

Engineering

Help with Cottageville Halloween

The town of Cottageville is going to allow its regular Halloween Trick or Treat night on Main Street in Cottageville. In previous years, the Cottageville Library hosted its own Halloween party, as well as participating in the town event by handing out candy and books to children, tweens and teens. This year the library will not be able to have the Halloween party at the library, as programming activities have been curtailed until the end of the year due to Colleton County Covid-19 restrictions. However, the library will be participating in...

The town of Cottageville is going to allow its regular Halloween Trick or Treat night on Main Street in Cottageville. In previous years, the Cottageville Library hosted its own Halloween party, as well as participating in the town event by handing out candy and books to children, tweens and teens. This year the library will not be able to have the Halloween party at the library, as programming activities have been curtailed until the end of the year due to Colleton County Covid-19 restrictions. However, the library will be participating in the town of Cottageville’s Trick or Treat night on Main Street. “We would like to invite our patrons (particularly those of you who have been part of our Craft Club) to help us prepare in advance for this year’s Trick or Treat night. Hundreds and hundreds of kids come through Cottageville to Trick or Treat every year,” said librarian Rhonda Kierpiec. “This year I think the number may be even higher as several neighboring communities have already announced that they will not be having Trick or Treat activities in their area. The Cottageville Library would like to hand out the books that we have been collecting all year (which have already been quarantined for weeks and weeks) and to also hand out Halloween Lollipop Ghosts as our candy treat.” Here’s how to help: • Donate wrapped suckers (such as Tootsie Pops or Blow Pops).

• Donate small paper coffee filters. • Donate rolls of thin green, purple, orange, or black ribbon. • Volunteer to come to the library from 4:30-5:30 p.m. on Oct. 15, 22, and/or 29 (rain date for any previous Thursday we missed) to help assemble the Lollipop Ghosts. This will all be done outside at a proper social distance from one another (just like the Chat and Chew). • Assemble Lollipop Ghosts at home. Drop off all donations and finished Lollipop Ghosts at the Cottageville Library before Halloween. “Since we haven’t been able to have any indoor craft activities for months, we thought this might be a small outlet for some of our pent-up crafting energy. Let us know if you would like to join us on any of the scheduled Thursdays. Thank you for your continued support,” Kierpiec said.

Deputies make arrests after body found in Cottageville woods

Deputies make arrests after body found in Cottageville woods where hunter went missingCOLLETON COUNTY, SC (WCSC) - Investigators have made a number of arrests after a body was found in the woods in Cottageville in the same area where a hunter went missing.The Colleton County Sheriff’s Office says 25-year-old Schuyler Rene Andrulat of Cottageville and 33-year-old Nathan Baughman of Summerville have been charged with obstruction of justice. According to court records, the charges against Andrulat were dismissed and expunged...

Deputies make arrests after body found in Cottageville woods where hunter went missing

COLLETON COUNTY, SC (WCSC) - Investigators have made a number of arrests after a body was found in the woods in Cottageville in the same area where a hunter went missing.

The Colleton County Sheriff’s Office says 25-year-old Schuyler Rene Andrulat of Cottageville and 33-year-old Nathan Baughman of Summerville have been charged with obstruction of justice. According to court records, the charges against Andrulat were dismissed and expunged.

A third man, Brad Skipper, has also been charged with an outstanding warrant from Colleton County.

The body was found around 8 p.m. on Thursday in a wooded area off Red Oak Road, the same area where a hunter went missing last Friday

The sheriff's office says the missing hunter was staying with friends who waited until Sunday to report him missing.

The coroner is doing an autopsy to determine the cause of death and identify the body.

The arrests stems from an incident that began on Aug. 21 when a Colleton County deputy responded to a home on Peirce Road in reference to a missing person.

The deputy spoke to Andrulat who said a friend of hers, Orin Patrick, had come to her home to go hunting Friday evening.

According to a report, Andrulat said she dropped Patrick off along the woodline on Peirce Road with a shotgun.

"Andrulat stated that several hours later, she received a call from Patrick stating that he was lost in the woods and he wanted her to drive along the road and beep the horn so that he could find his way back to the road again," the report states.

Andrulat told investigators that she did this around 9 p.m. on Friday but could not find him.

According to authorities, Andrulat said she received another call from Patrick that only last a few seconds and had since been unable to reach him through his phone again. Andrulat told deputies that she did not know any more information about Patrick.

In the incident report, the responding deputy reported that when he first met with Andrulat, she was unable to give any information about Patrick. The deputy then told Andrulat to get in contact with some of Patrick's friends or family so that he could get enough information to do a report.

Authorities also spoke with Patrick's friend, Baughman, who told investigators over the phone that he and Patrick had been staying at a home on Lakeview Drive in Summerville.

Baughman said the last time he saw Patrick was on Aug. 19, but was unsure of the time "because they had both been drinking so he did not remember much about that day."

The incident report states Baughman told investigators that this was not the first time Patrick had just "gone away, but it has never been for this long and never without making contact with him."

Detectives reported that they had Patrick's cell phone pinged to find the last location for it which was in Summerville.

Copyright 2016 WCSC. All rights reserved.

Septic tank drama may shutter Cottageville restaurant

COTTAGEVILLE, S.C. (WCBD) – A problem with a septic tank may force a small business in Colleton County to close its doors for good.David Stanfield and his wife opened Red Brick Pizza in Cottageville a few years ago. But they may have to close their business after South Carolina’s lead health agency, the Department of Health and Environmental Control, said their septic system is not fit for the job.“Almost two years ago we started, and almost immediately DHEC jumped on my back,” said Stanfield. “In ...

COTTAGEVILLE, S.C. (WCBD) – A problem with a septic tank may force a small business in Colleton County to close its doors for good.

David Stanfield and his wife opened Red Brick Pizza in Cottageville a few years ago. But they may have to close their business after South Carolina’s lead health agency, the Department of Health and Environmental Control, said their septic system is not fit for the job.

“Almost two years ago we started, and almost immediately DHEC jumped on my back,” said Stanfield. “In March of last year, we started takeout only, but in March I contacted them about opening a 12-person dining room. They said yes, you can open it.”

A month later, Stanfield said he was told that could not have a dining room.

“I asked them about the tables out front – I had four picnic tables out front – they said you can have all the picnic tables you want, so we built a patio which has a bunch of outside tables. And then five months later, during another inspection, and we’ve gone through eight in one year, during another inspection they said you can’t have these outside tables. I said, well, you told us we could.”

DHEC told Stanfield that his septic tank was too small, and he was given a ‘shut door’ order.

“Two months ago, I went before the council- I begged them, I said my septic system has never overflowed, it’s never had a problem, and they said you have 60 days to put this monstrosity in back here.”

His customers were outside protesting on Tuesday while raising money to help keep them in business.

Stanfield began installing the large septic system. He says he has now spent $51,000 on the project. But his business only makes about $800-$1,000 on a good week. So, he believes he will now have to just shut down.

Stanfield eventually put a water meter on his property after a suggestion from a neighbor to see how much water was being used each day.

“Our water meter shows that we use 350 gallons per night, my existing system will do 450 gallons and they’ve got me putting in the system it will do 1,500 gallons per night which is just crazy. They’ve bankrupted me. They’ve taken every dime that we have, and we don’t even have money to open for food this week.”

DHEC sent News 2 a statement saying Stanfield was not in compliance with his DHEC permit when he moved from take-out only to restaurant seating.

“Mr. Stanfield did not dispute the grounds for suspension but requested the suspension be rescinded because he was diligently working on gaining compliance with DHEC regulations,” the statement said. “Failure to install the upgraded system would not lead to closure of the facility but would result in the return to the original food service operation as approved and permitted by DHEC.”

“I don’t understand this because, you know, America is known for if you put everything into – whatever your dream is – you can get it accomplished and they are burying us alive,” said Heike Stanfield, Co-Owner, Red Brick Pizza.

Stanfield said they were last open on Saturday. But unless a miracle happens, he believes they may not be able to re-open again.

The matter was discussed during a DHEC board meeting on May 5, 2022 with the restaurant’s owner in attendance – a motion was made about two hours and thirty-three minutes into the meeting, following an executive session. You can watch that hearing by clicking here.

Cowboy Church sings praise in Cottageville

A few years ago David Stanfield, with the help of many other people, converted his old horse barn into a church. “I love people,” said Stanfield, “Now I finally have something that draws people.” Stanfield holds the service every Sunday at 6pm at Horseshoe lake in Cottageville.Buy NowFrankalina Marie signs the hymns during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. "When the group is singing they are singing wi...

A few years ago David Stanfield, with the help of many other people, converted his old horse barn into a church. “I love people,” said Stanfield, “Now I finally have something that draws people.” Stanfield holds the service every Sunday at 6pm at Horseshoe lake in Cottageville.

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Frankalina Marie signs the hymns during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. "When the group is singing they are singing with all their heart,” said Marie. “Its real stuff, there's no pretend, there's no show, we're so glad that everybody is here." Michael Pronzato/Staff

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Sofi Moore, 6, with her mom Kristina Harris during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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Mama Sue sings during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. "This is like my second family, said Mama Sue, "It is my home away from home." Michael Pronzato/Staff

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Brenda Smith sings the hymns during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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Members of the Cowboy Church play during their Sunday service in Cottageville on Sunday, June 4, 2017. David Stanfield, center, with the help of many other people, converted the old barn into a church. "God gave me cheap lumber," said Stanfield. Michael Pronzato/Staff

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Lyla Youmans, 4, sits with her mom Chelsea Mixson during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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Rose Marie Fender sings the songs that are played during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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Lyla Youmans, 4, sits with her mom Chelsea Mixson during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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Hymnals are placed in the hand made pews during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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David Stanfield laughs with James Poole and Joan Newberger after Poole questioned him for not liking greens before the Cowboy Church service in Cottageville on Sunday, June 4, 2017. "You live in the south and you don't like greens?" said Poole. Michael Pronzato/Staff

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John France, left, plays pool with a friend outside the church before the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff

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Kristina Harris digs in to the large spread of food prepared by Derrick Edwards after the Cowboy Church service in Cottageville on Sunday, June 4, 2017. "Were all family here," said Chef Edwards. Michael Pronzato/Staff

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Sofi Moore, 6, dances after eating dinner at the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Behind the church is a lake and a small beach that the attendees can fish from or take a boat out on the lake. Michael Pronzato/Staff

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David Stanfield runs the Cowboy Church service and other amenities around the property in Cottageville on Sunday, June 4, 2017. "I love people," said Stanfield, "Now I finally have something that draws people." Stanfield takes pride in his way of having church. Michael Pronzato/Staff

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