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 Daniel Island, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Daniel Island'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 Daniel Island, 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 Daniel Island, 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 Daniel Island, 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 Daniel Island, 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.
DANIEL ISLAND — Something happened to me that’s only happened to me at one concert ever before in my life. I cried.For just a moment, but it happened.That is what Elton John did to me during his sold-out show at Credit One Stadium on the night of Sept. 13.It’s weird, because I just saw him in Columbia a few months ago for the first time, which was its own whirlwind emotional experience. But this one actually brought me to tears,...
DANIEL ISLAND — Something happened to me that’s only happened to me at one concert ever before in my life. I cried.
For just a moment, but it happened.
That is what Elton John did to me during his sold-out show at Credit One Stadium on the night of Sept. 13.
It’s weird, because I just saw him in Columbia a few months ago for the first time, which was its own whirlwind emotional experience. But this one actually brought me to tears, a phenomenon I also endured my first time seeing Paul McCartney in Nashville.
Perhaps it’s because I was in middle-of-the-floor seats just 13 rows away from Sir Elton himself, a much closer view than the bird’s eye second-tier chair I had at the Colonial Life Arena.
Or perhaps it was the palpable united energy of the boa-and-sparkle-laden crowd swaying in sync to “Bennie and the Jets.”
Or the projected sentimental videos and old family photographs on the screen that reminded me of my grandparents when they were alive.
Or the fact I went to this show with my mom, who was an integral piece of me growing up on the soundtracks of stars like Elton John, Stevie Nicks and ABBA.
Whatever it was, it was clearly warranted, because I wasn’t the only wet eye in the house.
Elton John, with only a few more months of shows left to play in the United States on his farewell tour, was waving goodbye to first-time fans and hundredth-time fans alike. This was his last show in South Carolina, a state he said he’s played 57 times during his career.
The first time he remembers playing in Charleston is in 1997 at the North Charleston Coliseum. And though the songs he performed then may have been similar — all the hits from “Your Song” to “Rocket Man” to “Candle in the Wind” to “Tiny Dancer” to “Someone Saved My Life Tonight” to “Philadelphia Freedom” to “Crocodile Rock” (need I go on?) — there was a decidedly different mood in the air.
Certainly there was the positive, upbeat energy of his recent hits, like No. 1 single “Cold Heart” with Dua Lipa, one of many ways he has stayed relevant over the decades. (He even gave a nod to his upcoming release with Britney Spears.)
But there was such a bittersweet twinkle in his eye behind his iconic rhinestone sunglasses. (He changed pairs, along with his wardrobe three times during the show.)
When he closed with “Goodbye Yellow Brick Road,” he added some sentimental thoughts that, though he’s likely said them more than 200 times on this amazingly long tour, still seemed genuine.
“I take you with me in my heart and soul,” he said in his heart-shaped sunglasses and bedazzled blazer. “Be kind to yourselves, and be kind to others.”
At 75 years old and with a whole lifetime of experiences behind him, those words must’ve hit differently. He clearly will miss sharing his gift with the world (his fingers on those piano keys moved in muscle memory like the echo of a dream), but he said it’s time to spend the rest of his days off the road with his own loved ones, his husband and children.
“Thank you Charleston, and goodbye,” Sir Elton said before he gave a final turn from his Yamaha grand and waltzed offstage, his name glistening in silver rhinestones on the back of his floor-length robe.
FORT MYERS, Fla./CHARLESTON, S.C., Oct 1 (Reuters) - Florida and the Carolinas, staggered by one of the fiercest storms in U.S. history, faced a massive recovery on Saturday as remnants of Hurricane Ian threatened further flooding along the Eastern Seaboard while leaving tens of billions of dollars in damage in its wake.The number of confirmed fatalities from Ian rose to at least 50, most in Lee County, Florida, which bore the brunt of the storm when it slammed ashore on the state's Gulf Coast on Wednesday as a Category 4 hurricane pa...
FORT MYERS, Fla./CHARLESTON, S.C., Oct 1 (Reuters) - Florida and the Carolinas, staggered by one of the fiercest storms in U.S. history, faced a massive recovery on Saturday as remnants of Hurricane Ian threatened further flooding along the Eastern Seaboard while leaving tens of billions of dollars in damage in its wake.
The number of confirmed fatalities from Ian rose to at least 50, most in Lee County, Florida, which bore the brunt of the storm when it slammed ashore on the state's Gulf Coast on Wednesday as a Category 4 hurricane packing maximum sustained winds of 150 miles (240 km) per hour.
The death toll was expected to climb as floodwaters receded and search teams reached more areas initially cut off by the storm.
As of Friday, some 10,000 people were reported unaccounted for in Florida, according to the state's emergency management director, who added that many of those were likely safe in shelters or otherwise unreachable because of power and phone outages.
As the full extent of devastation came into clearer focus three days after Ian made U.S. landfall, officials said some of the heaviest damage appeared to have been inflicted by raging wind-driven ocean surf that rushed into seaside communities and washed buildings away.
New satellite images from the National Oceanic and Atmospheric Administration (NOAA) showed beach cottages and a motel building that lined the shores of Florida's Sanibel Island had been demolished by Ian's storm surge. Although most homes appeared to still be standing, roof damage to all was evident.
Surveys from the ground showed that the barrier island, a popular tourist getaway that was home to some 6,000 residents, was left utterly ravaged, from its infrastructure to its famously idyllic aesthetic character.
"It's all just completely gone," Sanibel's city manager, Dana Souza, said. "Our electric system is pretty much destroyed, our sewer system has been damaged badly and our public water supply is under assessment."
The island's link to the mainland was severed by breaches to Sanibel's causeway bridge, further complicating recovery efforts, Souza said.
After waning to a tropical storm by the end of its march across Florida to the Atlantic, Ian regained hurricane strength and pummeled coastal South Carolina on Friday, sweeping ashore near Georgetown, north of the historic port city of Charleston, with sustained winds reaching 85 mph (140 kph).
Numerous roads were flooded and blocked by fallen trees while a number of piers were damaged in that area.
Weakening again as it churned north and inland, Ian had been downgraded to a post-tropical cyclone by Saturday afternoon. But remnants of the storm were still expected to bring treacherous conditions to parts of the central Appalachians and mid-Atlantic, according to the National Hurricane Center.
Flood watches were posted for southwestern Virginia and southern West Virginia on Saturday, even as major to record flooding was forecast to continue in central Florida.
About 1.2 million homes and businesses were without power in Florida as of 1 p.m. EDT (1700 GMT) on Saturday, with some 300,000 outages scattered across the Carolinas and Virginia.
Florida accounted for the overwhelming majority of confirmed storm-related deaths, with 35 tallied by the Lee County sheriff's office and 11 others reported by state officials in four neighboring counties.
North Carolina authorities said at least four more people had perished there. No deaths were reported in South Carolina.
Damage from high water, unleashed by storm surge along the coast and torrential rains further inland, was extensive.
"We suffered more flood damage than wind damage," Florida Governor Ron DeSantis said Saturday. "That is going to require a lot of flood claims being filed."
Insurers braced for between $28 billion and $47 billion in claims from what could amount to the costliest Florida storm since Hurricane Andrew in 1992, according to U.S. property data and analytics company CoreLogic.
President Joe Biden has approved a disaster declaration for Florida, saying Ian was "likely to rank among the worst (storms) ... in the nation's history." On Saturday, he declared an emergency in North Carolina.
On Sanibel, crews were just making their way to the hard-hit east end of that island on Saturday, "so our situation is that we're still in the search-and-rescue mode," the city manager, Souza said.
City officials were aware of nearly 300 households of people who failed to leave the island as the storm approached and whose whereabouts and well-being were now being checked, he said.
Ricky Anderson, 57, a cashier who moved recently from Illinois to the nearby Fort Myers area, said he "lost everything in the hurricane," as did many of his neighbors.
"Where are all those people supposed to go that have no home anymore?" Anderson said.
Robert Hartman, 81, a 50-year-resident of Fort Myers, said government help was crucial to get residents back on their feet.
"We have no power, no phone service, nothing. We would just like a little help to get my home back in shape because I have nowhere to go," he added.
Reporting by Brad Brooks in Fort Myers and Jonathan Drake in Charleston; Additional reporting by Kanishka Singh, Sharon Bernstein, Makini Brice, Maria Alejandra Cadona and Juby Babu; Writing by Costas Pitas, Kanishka Singh and Steve Gorman; Editing by Daniel Wallis, Frances Kerry, Josie Kao, Diane Craft and Jonathan Oatis
This week there are a large number of multifamily and large residential developments coming before the various City of Charleston boards and committees. Below are those items as well as the application results for specific items to Daniel Island and the Cainhoy area. More detailed agendas and results can be found at charleston-sc.gov/agendacenter.Nov. 10: A major subdivision for Cainhoy Del Webb Phase 1 at Clements Ferry Road and Cainhoy Road with a preliminary plat and road construction plans for a 164-unit, single-family residential...
This week there are a large number of multifamily and large residential developments coming before the various City of Charleston boards and committees. Below are those items as well as the application results for specific items to Daniel Island and the Cainhoy area. More detailed agendas and results can be found at charleston-sc.gov/agendacenter.
Nov. 10: A major subdivision for Cainhoy Del Webb Phase 1 at Clements Ferry Road and Cainhoy Road with a preliminary plat and road construction plans for a 164-unit, single-family residential development.
Nov. 10: A site plan for Mikasa Apartments, a 336-unit multifamily residential building and parking lot complex, on Clements Ferry Road in Cainhoy.
Nov. 17: A preliminary subdivision plat and road construction plans for Parcel K Infrastructure, a major subdivision at 2000 Daniel Island Drive on 36.9 acres.
Nov. 17: A site plan for Woodfield Daniel Island 3, a 163-unit multifamily development on 6 acres at 2058 Benefitfocus Way.
Nov. 3: A linear construction for a bridge replacement over Beresford Creek at Daniel Island Drive. Results: Pending final documentation to Engineering and MS4. Once approved, submit plans to Engineering for stamping.
Nov. 3: A linear construction for the installation of a gas main and electrical conduit as a result of the Beresford Creek Bridge replacement project. Results: Pending final documentation to Engineering and MS4. Once approved, submit plans to Engineering for stamping.
Nov. 3: A site plan for a 110-slip marina and associated parking at Thomas Island Marina on Clements Ferry Road. Results: Revise and resubmit to TRC.
Nov. 3: A site plan for tree and vegetation removal, rough grading and surcharge at Woodfield Point Hope 3, a 312-unit multifamily apartment complex on 44.6 acres, at Clements Ferry Road and Cainhoy Village Road. Results: Revise and resubmit to TRC.
Nov. 3: A site plan for Travis Lane Townhomes, 52 units on 11.44 acres, on Travis Lane in Cainhoy. Results: Submit to TRC for 1st review.
REGULARLY SCHEDULED CITY & COUNTY MEETINGS
Berkeley Co. Bd. of Education meets twice each month. Executive Committee meets at 5:30 p.m.; meeting starts at 6:30 p.m.
Berkeley Co. Council meets fourth Mon. of each month, 6 p.m., Berkeley County Admin. Blg., 1003 Hwy 52, Moncks Corner.
City of Charleston Council typically meets the second and fourth Tues. of each month, 5 p.m., City Hall, 80 Broad Street, Charleston, SC and/or virtually via Conference Call #1-929-205-6099; Access Code: 912 096 416. Exceptions: Summer Schedule - 3rd Tues. of June, July, and August; December meetings on the 1st and 3rd Tues. Dates and locations subject to change.
City of Charleston Technical Review Committee meets every Thurs. at 9 a.m.via Zoom.
City of Charleston Board of Zoning Appeals – Site Design meets the 1st Wed. of each month at 5 p.m. via Zoom.
City of Charleston Board of Zoning Appeals – Zoning meets the 1st and 3rd Tues. of each month at 5:15 p.m., except for January and July when no meeting is held on the 1st Tues.
City of Charleston Design Review Board meets the 1st and 3rd Mon. of every month at 4:30 p.m.
City of Charleston Planning Commission meets the 3rd Wed. of every month at 5 p.m.
City of Charleston Board of Architectural Review – Large projects meets the 2nd and 4th Wed. of every month at 4:30 p.m.
City of Charleston Board of Architectural Review – Small projects meets the 2nd and 4th Thurs. of every month at 4:30 p.m.
All meetings are open for public comment except the City of Charleston Technical Review Committee meetings.
Daniel Island residents, along with the rest of the City of Charleston’s tax base, are helping fund the future of a long-awaited waterfront redevelopment downtown terminal at the Port of Charleston – Union Pier.Union Pier’s redevelopment has been more of a pipe dream than a reality for the past 40 years, since the city’s waterfront plan began in 1980. After two unsuccessful visions by the landowner, the South Carolina State Ports Authority, in 1996 and 2010, SPA has teamed up with Los Angeles-based real estate ...
Daniel Island residents, along with the rest of the City of Charleston’s tax base, are helping fund the future of a long-awaited waterfront redevelopment downtown terminal at the Port of Charleston – Union Pier.
Union Pier’s redevelopment has been more of a pipe dream than a reality for the past 40 years, since the city’s waterfront plan began in 1980. After two unsuccessful visions by the landowner, the South Carolina State Ports Authority, in 1996 and 2010, SPA has teamed up with Los Angeles-based real estate investment company Lowe Enterprises, owner of Wild Dunes on Isle of Palms, for a third attempt to build a waterfront paradise with the equivalence to a master-planned community.
The Daniel Island Neighborhood Association invited SPA and Lowe to Daniel Island Pointe Retirement Community for a Nov. 2 meeting to share their latest vision for the site – a 70-acre parcel with 40 acres of high ground and 30 acres of piers over the water. A future destination that DI residents may be able to access via a brief boat ride across the Charleston Harbor.
“We’ve really been talking about redeveloping Union Pier for decades and it’s finally coming to a patch where it really is happening at this stage of the game,” said Jordy Yarborough, SPA vice president of statewide stakeholders and local government engagement. “… It is transformational for the (Charleston) peninsula.”
Union Pier’s vision became reawakened when SPA announced in March that they are shifting from a homeport operation to a port-of-call operation and would not extend their contract with Carnival Cruise Line beyond the end of 2024. Beginning in 2025, Union Pier will offer 104 port-of-calls a year which equates to two stops a week for cruise ships staying overnight. The rest of the year, the pier can function as a site for maritime-related events.
This change in operation also permits SPA to remove the cruise terminal parking lot and build on the existing parcel. SPA has said they intend to develop the property into a mixed-use neighborhood that blends seamlessly with downtown Charleston and includes single, family and workforce housing, restaurants, retail and office space, waterfront access and open space for a park.
“Not only is this a transformational opportunity for downtown,” said Jacob Lindsey, Lowe’s vice president of development, “but ultimately the sale of Union Pier goes toward furthering the economy of the state of South Carolina.”
Lindsey noted that the buildings, which includes hotels, will range from four to eight stories tall. The development will be predominantly residential with housing options to buy and rent.
As for parking, Lindsey noted there will only be parallel and structural parking and no surface-level parking lots. Additionally, all utilities will be installed underground.
In terms of recreation, an island-style public waterfront park is being envisioned for the 30-acre portion of low ground, where SPA warehouses currently sit for storage. Other features to be included, pending a feasibility study, are a marina promenade and a dock with public boat access.
“Great spaces around the world have wonderful waterfronts and there is no reason Charleston shouldn’t either,” Lindsey added.
Historical elements on site such as the Bennett Rice Mill facade, a rice mill that opened in 1845, and the area where the Mosquito Fleet, a black Charleston fishing crew from the 1860s until the 1950s, are slated to be stabilized and preserved.
Yarborough noted that Union Pier’s entitlement paperwork is projected to be done by next summer and will enter a public bidding process for sale by the end of 2023. SPA will use the sale to fund future infrastructure needs, such as Phase 2 and Phase 3 of the Hugh K.
Leatherman Terminal that required $1 billion of funding for Phase 1.The future buyer, whether it be Lowe or not, is bound by the parameters of the developing master plan. For more information or to submit feedback, visit unionpiersc.com/.
CHARLESTON, S.C. – The University of Memphis men's golf team tied for fourth place in the 17-team field at the Daniel Island Intercollegiate on Tuesday with a score of 892 (+28). Mississippi State won the event with a total of 879 (+15)."Once again we were in position to have a great event and couldn't finish it off," head coach Blake Smart said. "There are definit...
CHARLESTON, S.C. – The University of Memphis men's golf team tied for fourth place in the 17-team field at the Daniel Island Intercollegiate on Tuesday with a score of 892 (+28). Mississippi State won the event with a total of 879 (+15).
"Once again we were in position to have a great event and couldn't finish it off," head coach Blake Smart said. "There are definitely positives to take from the semester, but we also have some glaring issues that need to be addressed in the offseason and that will process will start immediately."
KEY MOMENTS • Junior Esteban Vazquez led the way for the Tigers at the tournament, tying for sixth place with a total of 220 (+4). Vazquez was consistent for the whole event, carding rounds of 74-73-73. • Senior James Morgan posted a season-best finish for Memphis, tying for 12th place with a score of 222 (+6). After an opening round 80, Morgan bounced back to post back-to-back rounds of 71. • Sophomore Adam Coull tied for 27th place with a total of 225 (+9), while junior Jack Tanner finished in a tie for 45th with a score of 230 (+14). • Junior Ryan van der Klis tied for 51st place with a total of 231 (+15), while freshman Cian O'Connor tied for finished in a tie for 83rd with a score of 240 (+24) playing as an individual.
TIGER SCORECARD T-6. Esteban Vazquez 220 (+4) T-12. James Morgan 222 (+6) T-27. Adam Coull 225 (+9) T-45. Jack Tanner 230 (+14) T-51. Ryan van der Klis 231 (+15) T-83. Cian O'Connor 240 (+24)* * Played as an individual
TEAM STANDINGS 1. Mississippi State 879 (+15) 2. Florida Gulf Coast 882 (+18) 3. Campbell 891 (+27) T-4. Memphis 892 (+28) T-4. South Carolina 892 (+28)
NOTABLES • Vazquez's T-6 finish was a season-best and marked his second top-10 of the year. • Morgan's T-12 gave him his first top-20 of the season. • Memphis earned the team's second top-five finish of the year. The Tigers took fourth place at the season-opening Bearcat Invitational.
UP NEXT • The University of Memphis men's golf team will be back on the course on Feb. 6-7, 2023 when the Tigers head to Johns Island, S.C. to compete in the Battle at Briar's Creek.