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.
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 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.
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 Cottageville, 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.
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.
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.
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
Sofi Moore, 6, with her mom Kristina Harris during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff
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
Brenda Smith sings the hymns during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff
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
Lyla Youmans, 4, sits with her mom Chelsea Mixson during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff
Rose Marie Fender sings the songs that are played during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff
Lyla Youmans, 4, sits with her mom Chelsea Mixson during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff
Hymnals are placed in the hand made pews during the Cowboy Church service in Cottageville on Sunday, June 4, 2017. Michael Pronzato/Staff
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
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
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
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
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
Cottageville residents have seen change in their community in the last few years, and now the Greater Cottageville Chamber of Commerce is ready to encourage more improvements.Frank Santorella, a resident of Cottageville, said he is proud of the small town and wants to showcase its beauty, friendly people, and excellent location.“We want to create a chamber of commerce here. We already have a 501-3C non-profit status, Maryann Blake is serving as our attorney, and we are ready to roll,” said Santorella. “We have...
Cottageville residents have seen change in their community in the last few years, and now the Greater Cottageville Chamber of Commerce is ready to encourage more improvements.
Frank Santorella, a resident of Cottageville, said he is proud of the small town and wants to showcase its beauty, friendly people, and excellent location.
“We want to create a chamber of commerce here. We already have a 501-3C non-profit status, Maryann Blake is serving as our attorney, and we are ready to roll,” said Santorella. “We have ‘Friends of the Park’ which is comprised of people who helped develop the park into what it is now.” He says there are also plans at the park to install a memorial with engraved bricks to honor veterans. This will be accomplished by applying for grants and accepting donations.
Santorella, who plans to initiate the chamber, will serve as a temporary director. He says he already has seven merchants who are interested in joining.
“We want to make Cottageville a destination. Red Brick Pizza and Beer Garden is the anchor store for starting the chamber,” said Santorella. “It’s a one-of-a-kind business in the entire region. Once the chamber officially opens, we want to pick a member of the chamber and promote that business each week, and once a month promote everyone. There will be a rotation, and this will be good for everybody.”
He went on to say that the brick-and-mortar stores are the life of Cottageville, not the transient businesses. He feels that transient businesses will not want to invest their funds in the chamber, but the stationary businesses are here to stay.
“I think the people of Cottageville will be positively affected by the chamber and will accept it with open arms. Hopefully, this will bring even more businesses our way. Our only option now is to travel to Summerville or Walterboro to purchase some items. That’s between 15 to 20 miles away. Cottageville has a lot of people in the rural areas, and though our local gas stations try hard to serve the needs of the community, it would be nice to have boutique shops here. We already have a new vape store that has a coffee bar. So we are starting off well,” said Santorella.
He is hoping to have the new chamber up and running by the end of the first quarter of 2022.
“There will be a fee for stores to become part of the chamber,” said Santorella, who gathered ideas and patterned the Cottageville chamber after the City of Walteboro’s. “I received ideas on how to structure the fees. They won’t be impressive because social media provides a lot of free advertising. We will have a website and newsletter for the community. We will be out there,” he added.
Anyone interested in joining the new chamber can write to: Greater Cottageville Chamber of Commerce, P.O. Box 464, Cottageville, SC, 29435. Businesses can also contact Santorella on Facebook at Friends of the Park or call The Vape Stop at 843-701-4262.
Damage reports from a tornado spotted west of Summerville early Monday morning still coming in, but it appears no fatalities have been reported.A tornado warding has since expired, but according to The National Weather Service in Charleston at 7 a.m. a confirmed large and extremely dangerous tornado was located just west of Cottageville, moving east at 50 mph.Emergency dispatchers reported many downed trees and some power outages west of Summerville in the Jedburg area. Fire alarms also have been reported, but no fire damage ha...
Damage reports from a tornado spotted west of Summerville early Monday morning still coming in, but it appears no fatalities have been reported.
A tornado warding has since expired, but according to The National Weather Service in Charleston at 7 a.m. a confirmed large and extremely dangerous tornado was located just west of Cottageville, moving east at 50 mph.
Emergency dispatchers reported many downed trees and some power outages west of Summerville in the Jedburg area. Fire alarms also have been reported, but no fire damage has yet been reported.
This is a developing story.
In a normal-looking Summerville subdivision at a normal-looking house, there is a not-so-normal garage. What’s inside that garage and the things that come out of it are even more abnormal.
Whether it is the skeleton bride-and-groom draped from the water heater, a one-eyed zombie staring from atop a storage container or the fake human skin with protruding faces fashioned into a lampshade, they are all the creations of Robert Kelly, founder and owner of DarkSeed Creations, small company specializing in horror culture and special effects.
“Right now, I’m primarily working on Halloween masks for people who are ordering stuff at the last minute,” Kelly said on a sunny October day in his driveway. “All the masks that we do are all sculpted; I sculpt them out in clay ahead of time and then they are casted. Everything we do is in house.”
It is almost always Halloween for Kelly, who said he usually starts working on orders for masks in mid-July.
“We don’t sell box-store masks,” he said. “You’re paying for something that you can only get from the individual artists who created it because we do everything from the floor up.”
Kelly sells most of his masks and other horror-themed items through his website, darkseedcreations.com, and he and his wife, Tara, also own an oddities and curiosities auction house. He often travels around the country attending oddities shows.
“I am, by trade, a special effects artist,” he said. “But we also deal in oddities and curiosities. Independent artists do a lot with the haunt industry and individual haunted attractions and stuff like that. We did a lot of work for the one in North Charleston and Carolina Screams. We did a ridiculous amount of work for them this year. I mean, it’s always Halloween for us. In the oddities community, we deal a lot with collectors and people who are a little bit more on the macabre side of things.”
Kelly said while oddities and curiosities is itself a sub-genre, within it there are individual niches.
“There are people who only collect antique sideshow items or old circus stuff,” he said. “There’s people who only collect old medical supplies or osteology or human bones and things of that nature. We travel the country and do the world oddities and curiosities expos. We do several large horror conventions and oddities conventions. We go and set up and sell our stuff and teach some classes and things like that.”
DarkSeed Creations is unique in the oddities community, Kelly said, because where most people search for the items they want, he creates them.
“We were able to kind of, for lack of a better term, offer our own flavor,” he said. “People get things from us they don’t and can’t get anywhere else.”
DarkSeed was a side business that grew into Kelly’s full-time job. He worked for DAK Americas for almost 14 years in its laboratories and wastewater treatment facilities.
“I started doing this on the side,” he said. “It reached the point where I was making more money and spending more time here than I was at work. When DAK started closing, they offered a round of layoffs and I took it. That was almost three years ago.”
Kelly said he and Tara do a lot with local charities, such as Scares that Care, and they are the co-founders of the SC Horror Show in Columbia.
“It is the first and only horror convention in South Carolina,” he said. “It’s right over by the university. We had a little over 6,000 people there last time. It’ll be running again next year.”
Written by: Anna S. BrightSubmitted by: Herman G. Bright, Parade ChairmanPhoto: SubmittedFor 35 years, the Walterboro Shrine Club of Arabian Temple #139 has sponsored the town’s parade, honoring the life and legacy of Dr. Martin Luther King, Jr. As a nation, we honor this slain civil rights leader whose mission was to advocate for all people who had been oppressed by unjust laws and immoral abuses. King vowed, “Injustice anywhere is a threat to justice everywhere.” Serving this year as parade marshal is...
Written by: Anna S. Bright
Submitted by: Herman G. Bright, Parade Chairman
For 35 years, the Walterboro Shrine Club of Arabian Temple #139 has sponsored the town’s parade, honoring the life and legacy of Dr. Martin Luther King, Jr. As a nation, we honor this slain civil rights leader whose mission was to advocate for all people who had been oppressed by unjust laws and immoral abuses. King vowed, “Injustice anywhere is a threat to justice everywhere.” Serving this year as parade marshal is a former Colleton County Councilman and retired pastor, Rev. Evon Arrington Robinson, Sr. When given the invitation to serve as this year’s marshal, Rev. Robinson expressed many words of gratitude and was most elated to accept this honor. Due to COVID restrictions, the parade was not held in 2021, and it was not held in 2022 because of inclement weather.
Rev. Robinson, a retired pastor of the African Methodist Episcopal Church, is a native of Cottageville, South Carolina. He is the son of the late Mr. Easley Robinson, Sr., and Mrs. Bula Mae Haynes Robinson. After graduating from Colleton Training School, he attended SC Trade School and later completed a tour of duty in the United States Army. In 1970 he received the call to ministry. He attended South Carolina State University, subsequently attending the Nichols Theological Seminary Extension in Charleston, South Carolina for religious training.
Having served in the pastoral ministry of Jesus Christ for 47 years, all of which were in the South Carolina Annual Conference, among his assignments were the Fairfax, St. Paul, Holly Hill, St. Matthew, and St. Stephens Circuits. Rev. Robinson led the Greater St. Paul and Greater Target congregations in the construction of brand-new edifices. In addition, he led the congregations at St. Peters, New Hope, St. Matthew, and St. Stephens in total renovation projects.
Rev. Robinson served the SC Conference in the following capacities: the Board of Examiners, the Ministerial Efficiency Committee, Presiding Elders’ Salary Committee, the Conference Finance Committee, Chairman of the Finance Committee for the Beaufort District, Station and Circuit Committee, Deeds and Abstracts Committee, and Abandoned Property Committee. Further, he was one of the initial organizers of the Sons of Allen Ministry and served on this committee for many years.
His ministry outside the walls of the church includes being elected to the Colleton County Board of Education. During Rev. Robinson’s tenure while serving as the board chairman, he led the historic event of hiring the first African American superintendent in the county. He was later elected and served on the Colleton County Council for 16 years, three of which he was a chairman. He served for 15 years on the Board of Directors of the Lowcountry Regional Council of Government, and he also served as treasurer for the South Carolina Coalition of Black County Officials. In addition, he served on the Lowcountry Community Action Agency Community Action Agency Board of Directors for several years, four of which he was chairman.
Previously, he was chairman of the Equal Opportunity Committee for the Department of the United States Navy, Naval Weapons Station, Charleston for 12 years, and as the president of the American Federation of Government Employees Union-Local 2298, for two years. Lastly, he is a member of the Colleton Branch of the NAACP and the Hiram Mann Chapter of the Tuskegee Airmen, Inc., of which four years he was the president.
For 57 years Rev. Robinson and his wife, Gloria Smalls Robinson, have been united as one. They are the proud parents of four children: Evon, Jr., Ronald, Rhonda Lynn, and Keon. They have been blessed with nine grandchildren and four great-grandchildren. After 28 years of service, Rev. Robinson retired from the Naval Weapons Station in Charleston in 1995. In addition, he owned and operated Robinson’s Barbershop in Walterboro for many years.
After having served more than four decades as a pastor in the A.M.E. Church, in November 2018, Rev. Robinson retired from active ministry, a calling of which he loved so dearly. He plans to travel extensively throughout the nation to share his experiences as a servant of God in the wider ecumenical circles, as well as his beloved A.M.E. Church.
The Walterboro Shrine Club’s Annual Dr. Martin Luther King, Jr. Parade will take place on Sunday, January 15, 2023, at 2:30 p.m. on Jefferies Boulevard. At 1:30 p.m., the lineup will begin in front of Live Oak Cemetery. The public is cordially invited and encouraged to attend.