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.
CHARLESTON, S.C. – The Credit One Charleston Open, the largest women’s-only tennis tournament in North America, will celebrate its 50th year April 2 - 10, 2022 on Daniel Island in Charleston, South Carolina. The highly anticipated tournament will feature more than 100 of the top tennis players in the world and welcome back fans for the first time since 2019. The newly renovated Credit One Stadium will also be unveiled during the upcoming event, offering upgraded seating options and elevated hospitality experiences for patrons on-...
CHARLESTON, S.C. – The Credit One Charleston Open, the largest women’s-only tennis tournament in North America, will celebrate its 50th year April 2 - 10, 2022 on Daniel Island in Charleston, South Carolina. The highly anticipated tournament will feature more than 100 of the top tennis players in the world and welcome back fans for the first time since 2019. The newly renovated Credit One Stadium will also be unveiled during the upcoming event, offering upgraded seating options and elevated hospitality experiences for patrons on-site. Ticket packages and single session tickets will go on sale to the general public on Monday, October 18.
Charleston Tennis, LLC, which manages Credit One Stadium under a lease from the City of Charleston, is currently renovating and modernizing the 20-year-old facility. The city-owned venue is undergoing upgrades to enhance the stadium experience for patrons, performers, tennis players and event management, allowing the venue to attract world-class athletes and talent to Daniel Island.
Credit One Stadium will expand from 7,500 seats to 11,000 seats and feature 16 fully conditioned permanent suites, all-new concessions, more bathrooms and a 75,000-square-foot Stage House with a partial roof. The Stage House will transform the stadium experience for tennis players, entertainers, media and special guests, offering locker rooms, a gym, training facilities, production and media space, catering amenities and a VIP rooftop restaurant and outdoor bar. The roof of the Stage House will also provide partial shade for attendees at the tennis tournament and act as a support structure for concerts and special events.
“These past two years have afforded us time to embrace change and welcome new opportunities. We are excited to be back together in 2022 to open a newly renovated stadium; welcome a new title sponsor and most importantly celebrate our 50th year of professional women’s tennis with our loyal fans in person,” said Bob Moran, Credit One Charleston Open Tournament Director. “It will truly be one of the best tennis and entertainment venues in the world and we can’t wait to show it off to our players, partners, volunteers and fans. All of the challenges we faced when the pandemic started made us stronger and more appreciative of the sport we love, and we’re very excited about the future of tennis and entertainment here in Charleston.”
“Credit One Bank is proud to be a part of the history and future of women’s tennis in Charleston. We’re also grateful for the opportunity to sponsor the most preeminent entertainment venue in the world,” said John Coombe, senior vice president of marketing at Credit One.
Twenty-one mooring balls were recently installed and are visible from the two waterfront piers on Daniel Island’s Wando River coastline. The devices were permitted and funded by the Daniel Island Yacht ClubAccording to club representative Jeff Jarrard, a total of 144 mooring balls have been approved by the Army Corps of Engineers, SC Department of Health and Environmental Control and Ocean Resource Management.Mooring balls are used to safely secure a vessel for a temporary stay.The mooring balls off of Waterfront P...
Twenty-one mooring balls were recently installed and are visible from the two waterfront piers on Daniel Island’s Wando River coastline. The devices were permitted and funded by the Daniel Island Yacht Club
According to club representative Jeff Jarrard, a total of 144 mooring balls have been approved by the Army Corps of Engineers, SC Department of Health and Environmental Control and Ocean Resource Management.
Mooring balls are used to safely secure a vessel for a temporary stay.
The mooring balls off of Waterfront Park consist of a helical anchor that is driven into the seabed and attached to an elastic rope, known as a pennant.
These are not the mooring balls of old that were configured with a slab of concrete and a chain. The rope on modern mooring balls, like the ones installed off of Daniel Island, is flexible and stretches during tidal changes or storm surges.
Jarrard explained that the system is designed so as not to disrupt sea life or the ecosystem. He further noted that the balls do not impede the navigable waters because all of the moorings are located inside the channel.
The plan is to install a total of 73 mooring balls, Jarrard said, which is about half of the approved amount. Twenty-one out of a planned 28 have been installed north of the piers and another 45 are expected to be installed south of the piers, Jarrard said.
There are three types of moorings available: One that can sustain up to a 25-foot boat, one up to 35 feet and another up to 45 feet. Mooring balls for the smaller vessels will be closer to shore for depth reasons.
Although the mooring balls are engineered to have vessels attached during storm events, Jarrard said that the Daniel Island Yacht Club’s policy is that vessels cannot be moored during a storm.
Hazelett Marine is in charge of installation. Currently stationed in Panama, Hazelett is expected to return in two to three weeks to finish the remainder of the mooring field.
When the operation is complete, there will be two mooring fields and a main channel in and out of the facility between the two docks. The North Dock will be home to the Daniel Island Yacht Club and the Daniel Island Ferry. The South Dock is where the Carefree Boat Club resides, offering day docking and by the hour.
On the North Dock, there will be public restrooms and an administrative office for booking and launching charters and cocktail cruises. Construction has been delayed due to material supply issues but should be completed in the next few months.
There are currently no bridals or pendants on the mooring balls, rendering them unusable. Future usage will be permitted only for DI Yacht Club members or sponsored guests on a monthly or annual basis.
The Daniel Island Yacht Club has not opened up its membership yet. Its sailing program will be full steam ahead by the spring of 2022. Food and beverage services on the North Dock will be ready by early summer of 2022.
“Starting a yacht club is a different animal,” Jarrard said. “It takes a lot of preparation and discussion ... It’s a process ... We’re going to take our time and do it right.”
These are the issues coming before various City of Charleston boards and committees and the review results specific to Daniel Island and the Cainhoy area. All meetings are open for public comment except the Technical Review Committee (TRC) meetings. Learn more online at charleston-sc.gov/AgendaOct. 14. A site plan for Point Hope Commercial Building at 112 Renaissance Ln. in Cainhoy (second review). This is a .41-acre site plan for new construction of a commercial retail space. The owner is Renaissance Lane, LLC. The applicant is Lowco...
These are the issues coming before various City of Charleston boards and committees and the review results specific to Daniel Island and the Cainhoy area. All meetings are open for public comment except the Technical Review Committee (TRC) meetings. Learn more online at charleston-sc.gov/Agenda
Oct. 14. A site plan for Point Hope Commercial Building at 112 Renaissance Ln. in Cainhoy (second review). This is a .41-acre site plan for new construction of a commercial retail space. The owner is Renaissance Lane, LLC. The applicant is Lowcountry Land Development Consultants. Contact: Kevin Coffey, email@example.com.
Oct. 14: A site plan for Southern Eagle Expansion at 1600 Charleston Regional Pky. in Cainhoy (pre-app). This is a 4.2-acre site plan for a warehouse expansion and construction of expanded truck court, trailer parking areas, and existing utility relocation. The owner is Southern Eagle Distributing. The applicant is Southern Eagle Distributing. Contact: Jim Henderson, firstname.lastname@example.org.
Oct. 14: A site plan for Wando Village - Pocket Park at 335 Blowing Fresh Dr. in Cainhoy (third review). This is a 1.3-acre site plan for an amenity pavilion, boardwalk, paths/sidewalk, and parking. The owner is Pulte Homes. The applicant is Thomas & Hutton. Contact: Will Cox, email@example.com.
Oct. 14: A site plan (revisions) for River Landing Village, Phase 1 at River Landing Drive on Daniel Island (first review). This is an 11.2 acre site plan review to a previously approved project. Construction plans call for 58 units in a mixed-use development and associated improvements. The owner is Parcel R Phase 1 Development Co., LLC. The applicant is Thomas & Hutton. Contact: Brian Riley, firstname.lastname@example.org.
Oct. 21: A site plan for Parcel K Office & Parking at 2000 Daniel Island Drive (pre-app). This is a 36.9-acre site plan that would require the demolition of an existing parking lot and infrastructure, upfit of existing office building, new parking, and parking infrastructure. The owner is Holder Properties. The applicant is SeamonWhiteside. Contact: Virginia Skidmore, email@example.com.
Oct. 21: A subdivision concept plan for Cainhoy - Del Webb at Clements Ferry Road and Cainhoy Road (third review). The site is a 585.3-acre site plan for a major subdivision that would include 1,094 lots and units. The owner is Cainhoy Land & Timber. The applicant is Thomas & Hutton. Contact: Will Cox, firstname.lastname@example.org.
City of Charleston Technical Review Committee
Oct. 7: A site plan for Point Hope Retail at Renaissance Lane in Cainhoy (first review). This is a .5-acre site plan for a 5,000 square foot retail building. The owner is Joseph Lasardi. The applicant is Earthsource Engineering. Contact: Vince Sottile, email@example.com. Revise and resubmit to TRC.
• Berkeley County Council conducts its regularly scheduled meetings on the fourth Monday of each month at 6 p.m. at the Berkeley County Administration Building, 1003 Highway 52, Moncks Corner.
• Berkeley County Board of Education meetings are held twice each month. The second meeting of each month includes special recognitions of students, employees and community members. Executive Committee meets at 5:30 p.m.; meeting starts at 6:30 p.m.
• Charleston City Council conducts its meetings on the second and fourth Thursdays of each month at 5 p.m.
BOLD Entertainment’s feature film “This Is The Year” is set for a theatrical and video-on-demand release on Friday, Sept. 24.The coming-of-age dramedy is David Henrie’s directorial debut. Executive producers are Daniel Island resident and entrepreneur Denis Gallagher along with Henrie’s longtime friend and former co-star on “Wizards of Waverly Place,” Selena Gomez. Daniel Island resident Doug Coupe, a colleague of Gallagher’s at BOLD Entertainment, is one of the film’s producers as...
BOLD Entertainment’s feature film “This Is The Year” is set for a theatrical and video-on-demand release on Friday, Sept. 24.
The coming-of-age dramedy is David Henrie’s directorial debut. Executive producers are Daniel Island resident and entrepreneur Denis Gallagher along with Henrie’s longtime friend and former co-star on “Wizards of Waverly Place,” Selena Gomez. Daniel Island resident Doug Coupe, a colleague of Gallagher’s at BOLD Entertainment, is one of the film’s producers as well.
“I’m excited that we’ve partnered with Vertical Entertainment and MarVista Entertainment for the worldwide release of our film ‘This Is The Year,’” stated Gallagher, chairman of BOLD Entertainment, headquartered on Daniel Island at hub130 on River Landing Drive. “The team at Endeavor Content put a lot of work into getting these deals done which we appreciate. David Henrie did a great job with his directorial debut and Selena’s input on the film was very helpful. We are looking forward to seeing it hit big screens this month. I think everyone is ready for a feel-good film for the entire family.”
“BOLD Entertainment was a dream to work with,” Henrie stated. “Their whole team, under the leadership of Denis, has such an infectious sense of optimism that you can’t help but be the best you can be around them. They make you better at what you do, and I’ll never be able to express how grateful I am to Denis, Doug and the team.”
“This Is The Year” is a contemporary spin on many of the classic 1980s movies that resonated with that era’s youth. It aims to address the issues facing teens today – high school friendships, romances, escapades, change — speaking their language and breaking through with a meaningful story. The film stars Lorenzo James Henrie
(“Fear the Walking Dead”), Vanessa Marano (“Switched at Birth”), Bug Hall (“Little Rascals”), Alyssa Jirrels (“Agents of S.H.I.E.L.D.”), Jake Short (“A.N.T. Farm”), with Jeff Garlin (“Curb Your Enthusiasm”) and Gregg Sulkin (“Runaways”).
“The trailer for the film, which dropped recently, has been well-received and gaining a lot of traction from not only David’s and Selena’s fans, but from so many people seeking an outlet to go on a fun-filled journey featuring good times, great music and powerful, relevant themes,” said former actor turned producer Coupe. He added that both David and Lorenzo Henrie have frequented Daniel Island on numerous occasions and love the island.
In the film, in a last-ditch effort to win over the girl of his dreams, a nerdy high school senior (Lorenzo Henrie) and his best friends embark on a road trip to see their favorite band at the hottest music festival of the year only to discover true love in the most unexpected place.
“Getting to work with some of my old ‘Wizards of Waverly Place’ co-stars was wonderful, we brought some of that magic to this film in a major way and we can’t wait to have people feel that,” Henrie added. “As the director, the main challenge was to try and maintain a spirit of creativity and optimism on set that allowed every single person to feel empowered to be the best they could be to serve the overall story and I believe we achieved that goal.”
The film initially debuts theatrically in 10 of the top 20 markets nationwide and broadens out after the Sept. 24 release. DI residents and others in the greater Charleston area can watch the film on major platforms such as Apple, Amazon, Google, Vudu/Fandango, Redbox On Demand, Comcast, DirecTV, Dish, Spectrum, and Verizon.
Locals can attend a private, red carpet showing at the Terrace Theater on James Island on Friday, Sept. 24, at 7 p.m. For tickets, email firstname.lastname@example.org.
For more about “This Is The Year,” follow along on Instagram, Facebook, and TikTok at @thisistheyearfilm.
You might think of it as the end of an era in Ashley Hall golf history. Or, you might think of it as new beginnings for the player and coach, both Daniel Island residents, who defined the program for a decade.The player is senior Raegan Propes, who has been on the team since she was in the sixth grade. She was the Panthers’ MVP for six of the seven years.“Yes, I’ve played since the sixth grade,” Propes said. “I tried to play when I was in the fifth grade. But they wouldn’t let me, SCISA rules...
You might think of it as the end of an era in Ashley Hall golf history. Or, you might think of it as new beginnings for the player and coach, both Daniel Island residents, who defined the program for a decade.
The player is senior Raegan Propes, who has been on the team since she was in the sixth grade. She was the Panthers’ MVP for six of the seven years.
“Yes, I’ve played since the sixth grade,” Propes said. “I tried to play when I was in the fifth grade. But they wouldn’t let me, SCISA rules.”
Then, there’s the coach and mentor, Terese Dynjan, who just happens to be a Daniel Island resident. In her 10-year tenure at Ashley Hall, the Panthers’ golf team won a state title and finished as runners-up on two occasions. She has decided it’s time for a change, and has accepted the Bishop England girls’ golf job.
One of the biggest reasons for the switch?
“I felt like it was a great time (for change), with it being Raegan’s last year coupled with living on Daniel Island myself,” Dynjan said. “I have a nephew currently at Bishop England, and a niece who will attend. It feels like a good move. My niece will most likely play there, so to coach her will be truly an opportunity I couldn’t pass up.”
Propes finished tied for fourth place in the recently completed SCISA State Championships with a two-day score of 179 to earn all-state honors.
She is the first Ashley Hall golfer to sign with a Division I program. She will matriculate to the College of Charleston.
Propes said playing high school golf as a sixth-grade student could be intimidating. But she had faith and good mentors. She remembered a pair of seniors who helped ease the transition. She also had high praise for coach Dynjan.
“She turned out to be my best friend, not just my golf coach,” Propes said. “That was an awesome seven years. She helped give me confidence. In golf, there’s a lot of ifs, and she helps because she’s such a great mentor.”
Bishop England will get a very distinguished coach with Dynjan on board. She played golf for the University of Missouri. After Dynjan graduated, she moved back to Arizona where she worked for Peter Kostis and Gary McCord for 10 years.
She moved to Charleston 11 years ago. Dynjan has been the director of instruction at Snee Farm Country Club and Rivertowne Country Club. She coached at Ashley Hall for 10 years.
In August, Propes won the Charleston Classic Invitational with a two-day total 141 to finish 3-under-par.
Propes said the decision to stay close to home and play for the Cougars was only the natural choice once she made an official campus visit. That and getting a chance to play golf with her dad, Troy, on her days off, sealed the deal.