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).
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 Daniel Island, 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 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.
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 Daniel Island loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANThis week there are new developments coming before the various City of Charleston boards and committees. Below are those items as well as the application results for items specific to Daniel Island and the Cainhoy area. More detailed agendas and results can be found at charleston-sc.gov/agendacenter.UPCOMING CITY OF CHARLESTON TECHNICAL REVIEW COMMITTEEApril 20Cainhoy Sanders House – Site plan on park and open space improvements at 2025 Sanders House St. in Cainhoy.No...
This week there are new developments coming before the various City of Charleston boards and committees. Below are those items as well as the application results for items specific to Daniel Island and the Cainhoy area. More detailed agendas and results can be found at charleston-sc.gov/agendacenter.
UPCOMING
CITY OF CHARLESTON TECHNICAL REVIEW COMMITTEE
April 20
Cainhoy Sanders House – Site plan on park and open space improvements at 2025 Sanders House St. in Cainhoy.
Nowell Creek Pedestrian/Cycling Bridge – Linear construction (e-Review) on shared-use path and pedestrian bridge along Daniel Island Drive.
April 27
Point Hope Pump Station – Site plan for a pump station, force main and gravity sewer extension at 1236 Clements Ferry Road in Cainhoy.
Restore at Point Hope – Site plan for a single-family attached and detached residential building with 93 units at 1236 Clements Ferry Road in Cainhoy.
Mankiewicz Expansion – Site plan for expansion/improvement of existing facility by the addition of a warehouse and logistics building and filling a pond site at 1200 Charleston Regional Pkwy. in Cainhoy.
RESULTS
CITY OF CHARLESTON TECHNICAL REVIEW COMMITTEE
April 13
Medical Office Building – Site plan for a new medical office building with associated infrastructure at 1236 Clements Ferry Rd. in Cainhoy. Results: Submit to TRC for 1st review.
Primus Park – A concept plan for a new single-family subdivision with 101 units on 108 acres at 2150 Clements Ferry Road in Cainhoy. Results: Revise and resubmit to TRC.
Clements Ferry Industrial – A site plan (eReview) on one industrial building with a stormwater detention pond and bioswale at 1001 Charleston Regional Pkwy. in Cainhoy. Results: Revise and resubmit to TRC.
Marshes at Daniel Island – Review of revisions to previously approved single-family major subdivision road plans at 146 Fairbanks Drive on Daniel Island. Results: Revise and resubmit to TRC.
REGULARLY SCHEDULED CITY & COUNTY MEETINGS
Berkeley Co. Bd. of Education is meeting the first and third Tuesday each month through April 2023. Starting May 2023, they will meet the first and third Monday. 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.
Compiled by Zach Giroux
This week there are new developments coming before the various City of Charleston boards and committees. Below are those items as well as the application results for items specific to Daniel Island and the Cainhoy area. More detailed agendas and results can be found at charleston-sc.gov/agendacenter.UPCOMINGCITY OF CHARLESTON TECHNICAL REVIEW COMMITTEEFeb. 23: Hawthorne at Clements Ferry Road – Review of revisions to a previously approved site plan for 210-unit multifamily development at 2800 Clements Ferry Road, C...
This week there are new developments coming before the various City of Charleston boards and committees. Below are those items as well as the application results for items specific to Daniel Island and the Cainhoy area. More detailed agendas and results can be found at charleston-sc.gov/agendacenter.
UPCOMING
CITY OF CHARLESTON TECHNICAL REVIEW COMMITTEE
Feb. 23: Hawthorne at Clements Ferry Road – Review of revisions to a previously approved site plan for 210-unit multifamily development at 2800 Clements Ferry Road, Cainhoy.
March 2: Marshes at Daniel Island – Review of revisions to previously approved road construction plans for a 56-unit development at 146 Fairbanks Drive.
Thomas Island Marina – Gravel parking lot and restroom building to serve Thomas Island Marina at 100 Sands Preserve Drive, Cainhoy.
Woodfield Daniel Island III – 12-unit townhome (Phase 2 ) of Woodfield Daniel Island III Multifamily (Phase 1) at 350 Henslow Drive.
The Waterfront Phase 3 – Road extension and six single-family lots at 515 Helmsman St., Daniel Island.
Point Hope – Goldfinch Tract – Construction of a mixed-use development containing 192 units of single-family attached homes and amenities in Cainhoy (address to be determined).
RESULTS
Feb. 16: Haswell – A plat for a 20-lot single-family residential subdivision at 509 Seven Farms Drive on Daniel Island. Results: Approval pending final documentation to MS4. Once approved, submit plat to Planning for stamping.
Haswell – Roads for a 20-lot single-family residential subdivision at 509 Seven Farms Drive on Daniel Island. Results: Approval pending final documeentation to Engineering and MS4.
REGULARLY SCHEDULED CITY & COUNTY MEETINGS
Berkeley Co. Bd. of Education is meeting the first and third Tuesday each month through April 2023. Starting May 2023, they will meet the first and third Monday. 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.
For more information, contacts for specific projects and on location and time of the meetings or to learn more, visit charleston-sc.gov/AgendaCenter/.
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.UPCOMINGCITY OF CHARLESTON TECHNICAL REVIEW COMMITTEENov. 17: A preliminary subdivision plat and road construction plans for Parcel K Infrastructure, a major subdivision at 2000...
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.
UPCOMING
CITY OF CHARLESTON TECHNICAL REVIEW COMMITTEE
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.
RESULTS
CITY OF CHARLESTON TECHNICAL REVIEW COMMITTEE
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. Results: Pending.
Nov. 10: A site plan for Mikasa Apartments, a 336-unit multifamily residential building and parking lot complex, on Clements Ferry Road in Cainhoy. Results: Pending.
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.
For more information, contacts for specific projects and on location and time of the meetings or to learn more, visit charleston-sc.gov/AgendaCenter/.
All meetings are open for public comment except the City of Charleston Technical Review Committee meetings.
CHARLESTON, S.C. (WCIV) — Here on News 4, we're taking you Behind the Badge introducing you to men and women of the Lowcountry who keep us safe.Today, you'll meet a school resource officer who wears multiple hats. From protector to teacher, he says every job he takes on at school helps him connect with hundreds, if not thousands, of students.Officer Al Cammarata starts some of his days at the Daniel Island School teaching Spanish. His most recent lesson: how to prepare guacamole, and learning the vocabulary that comes wit...
CHARLESTON, S.C. (WCIV) — Here on News 4, we're taking you Behind the Badge introducing you to men and women of the Lowcountry who keep us safe.
Today, you'll meet a school resource officer who wears multiple hats. From protector to teacher, he says every job he takes on at school helps him connect with hundreds, if not thousands, of students.
Officer Al Cammarata starts some of his days at the Daniel Island School teaching Spanish. His most recent lesson: how to prepare guacamole, and learning the vocabulary that comes with it.
It's not what Officer Cammarata thought he’d be doing when he got into policing 30 years ago. When he made the switch from patrol to being an SRO, his job responsibilities changed.
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“I’ve taught classes in the past from culinary arts to driver’s ed, freshman focus, bike safety,” he says. “Just wherever we can, dimension, groups, we do all kinds of things.”
He has a bachelor’s degree in Spanish, and put his degree to work in his travels to Central America.
WCIV
“I took anywhere between 14 or 16 or 18 classes over three years, including the summer. But going and studying and living in the culture is the only way to learn the language,” Cammarata says. “I got a good grammar base as a non-native speaker, and that was definitely the way to improve your skills.”
When a Spanish teacher at Daniel Island School left midway through the school year, Officer Cammarata stepped in.
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“The teacher that filled in was a retired teacher who was a full-time sub. She didn’t have any Spanish-speaking experience, so we just kind of teamed up,” says Cammarata. “She did the lesson plans and the videos, and I would come in and do basic grammar. I would come in maybe 20 or 30 minutes each day and help out with the lesson.”
It’s a routine that’s stuck. He helps out with some of the fifth and sixth grade Spanish classes in between his primary job of keeping everyone safe.
“You’re there every day, this is your responsibility, so you have to know the building, the community, the people, everything that’s going on,” he explains. “I’ve been here seven years. I have kids that are now in 7th grade that were in kindergarten when I started here.”
Cammarata says he also helps show students that officers are just like them.
“They just get to see you day after day, and know that you’re a regular person, and you’re just part of their regular day like a teacher. To me it's very rewarding. It's really the ultimate form of community policing. You’re dealing with the same kids, parents the same community year after year,” he says. “For me its really where I’m supposed to be.”
DANIEL ISLAND, S.C. (WCIV) — If you've been following the Credit One Charleston Open, you probably know all about the players on the court. But what about the people behind the scenes?Volunteer Coordinator Joe Cooper said they have nearly 450 volunteers for the week-long tournament.Read More: ...
DANIEL ISLAND, S.C. (WCIV) — If you've been following the Credit One Charleston Open, you probably know all about the players on the court. But what about the people behind the scenes?
Volunteer Coordinator Joe Cooper said they have nearly 450 volunteers for the week-long tournament.
Read More: Photographer who captured tennis player's engagement has been photographing her for years
On average, they get between 435 and 450 applications a year - some even take off work in order to help.
“It's a week I look forward to all year long," Cooper said.
The Credit One Charleston Open volunteers say helping has never been so much fun.
From ushering to ziptie-ing a broken sandal: Charleston Open volunteers love what they do. (WCIV)
“I still love the game and am still very involved in the game, so being out here is just an opportunity you can't pass up," volunteer Laney Lane said.
Day to day tasks vary as volunteers are placed in one of many groups
“The ushers have a really good time watching tennis and helping the patrons with anything they might need. Our court maintenance department really enjoys running the lines and getting the courts ready. We have people in the media center helping with media. We have player services- they escort the players to and from the courts," Cooper said.
And every once in awhile they take on a task they didn’t necessarily train for.
Read More: Monday coverage of the Credit One Charleston Open: An engagement & stories of growth
“We had a patron in box 109 and her sandal broke so we zip-tied her sandal back together and got her back up and running," Cooper said.
She said all volunteers must work together in order for things to run smoothly.
“We have department chairs and they run the entire department. So we have radios we communicate with each other. And everyone is just so friendly and so happy and so glad to be here. We just work together really well," Cooper said.
But at the end of the day, she hopes everyone leaves wanting to come back.
Read More: Credit One Charleston Open Coverage
“I hope everyone has a great time. Comes back next year to volunteer but even more importantly, I'd like them to tell their friends so their friends want to volunteer," she said.
“This is my seventh year doing this and I look forward to 17 more." Lane said.
If you get the chance to make it to this year’s Charleston Open, you can easily spot all of the volunteers in their yellow shirts.
To find out more about volunteering, visit the tournaments website.