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.
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.Sept. 1: Daniel Island Library Parking Expansion site plan, 2301 Daniel Island Drive.Sept. 1: Two items are up for review for the Cainhoy Del Webb Phase 2, a 233 single-home resi...
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.
Sept. 1: Daniel Island Library Parking Expansion site plan, 2301 Daniel Island Drive.
Sept. 1: Two items are up for review for the Cainhoy Del Webb Phase 2, a 233 single-home residential development on 129.9 acres at Clements Ferry and Cainhoy Roads: preliminary subdivision plat and road construction plans.
Sept. 1: A site plan for Mikasa Apartments, a 320-unit multifamily development that includes buildings and parking lot located on Clements Ferry Road.
Sept. 1: First review of Parcel K site plan on Daniel Island Drive for a townhome development with 50 units, pond, private roads, open space, and associated infrastructure.
Sept. 1: Preliminary application for a site plan for Skatell Island multifamily development, 324 multifamily units, 36 townhomes, 62 detached single-family units on Clements Ferry Road at Forrest Drive.
Sept. 8: Road construction plans for the replacement of the Beresford Creek Bridge on Daniel Island Drive.
Sept. 8: A preliminary subdivision plat for Parcel K Infrastructure, a future major subdivision on 36.9 acres at 2000 Daniel Island Dr.
Sept. 8: Road construction plans for Parcel K Infrastructure, a future major subdivision on 36.9 acres at 2000 Daniel Island Dr.
Sept. 8: A site plan for Parcel K to include the demolition of existing parking lot, upfit of existing office building, new parking and infrastructure for a future major subdivision on 36.9 acres at 2000 Daniel Island Dr.
Sept. 8: A site plan for the Arthur Ravenel office/warehouse and parking on 2 acres on Clements Ferry Road in Cainhoy.
Aug. 25: Third review of a site plan for the 320-unit Nowell Creek multifamily development on 9.02 acres on Daniel Island Drive. RESULT: Open pending delivery of MS4 comments.
Aug 25: Second review of a site plan for Woodfield Daniel Island 3, a 17-unit multifamily development on 6 acres located at 2058 Benefitfocus Way. RESULT: Revise and resubmit to TRC.
Aug. 25: Three items are up for review for the 11.4 acre Del Webb major subdivision on Clements Ferry Road: preliminary subdivision plat and entryway road plat, road construction plans, and the sales center site plan. RESULT: Revise and resubmit to TRC.
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.
Photos provided - South Carolina Adopt-a-Stream volunteers discuss water quality at a free training workshop. Volunteers must first become certified, during which they learn how to measure water quality and what behaviors and land-use changes can impact waterway health.The ...
Photos provided - South Carolina Adopt-a-Stream volunteers discuss water quality at a free training workshop. Volunteers must first become certified, during which they learn how to measure water quality and what behaviors and land-use changes can impact waterway health.
The South Carolina Adopt-a-Stream, a volunteer program for monitoring water quality, is celebrating five years of protecting waterways across the state and is actively seeking more local volunteers who understand the importance of healthy watersheds.
First launched in South Carolina in 2017, the South Carolina Adopt-a-Stream program (SC AAS) is managed by a partnership between the South Carolina Department of Health and Environmental Control (DHEC) and the Clemson University Center for Watershed Excellence (CU CWE).
To date, SC AAS volunteers have conducted more than 3,000 sampling events at streams around the state. That water sample data provides key information about stream conditions and helps guide volunteers, educators, conservation groups, and local governments on how they can partner together to protect and restore polluted waterways. The data volunteers collect are available to the public without any required log in through the SC AAS database.
“Our state’s SC Adopt-a-Stream volunteers are at the heart of this program and are what make it such a success,” said Sierra Hylton, DHEC’s SC Adopt-a-Stream Program Coordinator. “Through free trainings and workshops, our volunteers learn how to collect samples and understand water quality data. Our volunteer data provides impressive quantitative results that help create partnerships at the local level for protecting and restoring waterways. In turn, our volunteers become conservation advocates within their communities.”
Data collected by SC AAS volunteers have helped identify broken sewer pipes, broken water lines, and sedimentation issues. Detecting these problems early on helps local governments and other entities save time, resources and money to fix the issues at their source before their impacts become widespread or costly.
“Community science is changing the way we manage our natural resources worldwide and how we engage our public in their smart management,” said Katie Callahan, director of Clemson University’s Center for Watershed Excellence. "More eyes and ears outside can share powerful observations that through programs like SC Adopt-a-Stream, activate local authorities when the threat of pollution is observed. Free trainings and a less complicated database of results and photos democratizes environmental health data and encourages more broad participation in the decisions that affect our communities. We at the Center are grateful to be a player in such a powerful program for our state and waterways,”
Some recent SC AAS successes include:
SC AAS volunteers have been recognized by Gov. Henry McMaster, mayors, county councils, public water utilities, conservation groups, local businesses, and many others for their efforts to study, advocate for, and protect South Carolina’s irreplaceable waterways.
Both DHEC and the CU CWE encourage anyone with an interest in SC AAS to learn more. There are various ways to volunteer and support this water monitoring program in your community.
Information about how to become a volunteer, where and when training workshops take place, and additional information is available at scadoptastream.org or by contacting Sierra Hylton at email@example.com or Emily Anderson at firstname.lastname@example.org.
If practice makes perfect, then the Bishop England High School boys’ volleyball team should be in good shape this fall after going 3-0 in scrimmages in preparation for the regular season.Bishop England and Philip Simmons, along with about 40 schools in the Palmetto State, will field boys’ teams this fall as the High School League finally sanctioned the sport in time for the 2022-23 academic year.“It’s so new, we’re still learning so much,” said Bishop England coach Alec Swanson, whose team wa...
If practice makes perfect, then the Bishop England High School boys’ volleyball team should be in good shape this fall after going 3-0 in scrimmages in preparation for the regular season.
Bishop England and Philip Simmons, along with about 40 schools in the Palmetto State, will field boys’ teams this fall as the High School League finally sanctioned the sport in time for the 2022-23 academic year.
“It’s so new, we’re still learning so much,” said Bishop England coach Alec Swanson, whose team was scheduled to open the regular season Aug. 31 against Wando. “You can look at wins and losses to measure success, but I’m looking for understanding. The players need to understand the game. Some of the players’ only experience with volleyball was phys ed. Now, they have to understand how the game is played. And, they have to learn every single rule.
“Some of our players are new to the sport, so they still have so much to learn,” Swanson said. “We just need to have our players improve every time out, and step up when it comes time to play a game.”
Swanson, obviously, did not play volleyball at Bishop England. But that didn’t stop him from enjoying the sport. He could be found playing beach volleyball at The Windjammer and traveled around the South playing club volleyball.
Boys’ volleyball will have a different vibe than their girl counterparts with the net almost a foot higher. Players are taller, which means more traffic around the net and more power on serves and spikes.
Excitement was high at Bishop England as 30 boys tried out for the team.
“We only have a varsity team, so we did have to cut some players,” Swanson said. “Everyone has a reason to play. Some of our players wanted to try out because their sisters play volleyball.”
At Philip Simmons, coach Amanda Newell has been stressing fundamentals and team chemistry.
Newell played volleyball at Buford High School and followed that up with an impressive career at Wofford. Her coaching experience includes a stint at The Citadel.
“It’s crazy to see how quickly the team has improved,” said Newell, whose team also opened the season Aug. 31 against Cane Bay. “You can put them on the court, and they will show improvement in 10 minutes. We are coming together as a team. We’re improving our skills and developing as a team.”
Newell wants to develop a team that wins. But winning isn’t the only objective on the agenda.
“I want the players to have fun, enjoy the sport and spread the word at school,” Newell said.
According to the Palmetto Volleyball Association, boys’ volleyball is the fastest growing sport in the U.S. South Carolina boys’ volleyball began in 2019 with 14 teams. However, COVID-19 canceled the 2020 club season although 39 schools offered boys’ volleyball as a club sport. That number dropped to 21 teams because of the pandemic, but has rebounded to about 40 teams.
While the S.C. High School League sanctioned the sport, there will be no playoffs this fall which means there will be no state champion crowned.
Reading Partners South Carolina is launching its 10-year anniversary celebration at the RiverDogs!Reading Partners SC, an educational nonprofit dedicated to ensuring that all elementary school students have the foundational literacy skills necessary to be successful in school and beyond, is pleased to announce the kick off of their year-long 10th anniversary celebration beginning August 31 as the featured nonprofit at the Charleston RiverDogs game. Former RiverDog, motivational speaker, author and Reading Partners board member, Chris ...
Reading Partners South Carolina is launching its 10-year anniversary celebration at the RiverDogs!
Reading Partners SC, an educational nonprofit dedicated to ensuring that all elementary school students have the foundational literacy skills necessary to be successful in school and beyond, is pleased to announce the kick off of their year-long 10th anniversary celebration beginning August 31 as the featured nonprofit at the Charleston RiverDogs game. Former RiverDog, motivational speaker, author and Reading Partners board member, Chris Singleton, will be speaking on behalf of the organization.
Reading Partners has served 5,368 students with the help of 11,165 community volunteers over the last ten years. The numbers are impressive, but the real success story has been the student academic gains and social/emotional maturity that have developed as a result of having a consistent, caring volunteer tutor sharing just an hour a week to make sure that all students in our community have the best odds for success in school and in life. Last year, 89% of kindergarten through second grade students met or exceeded their primary end of year growth goal.
Why: There is a literacy crisis in this country and right here in South Carolina, where only 20% of students experiencing economic challenges are reading proficiently by the end of 4th grade. If students are not reading proficiently by the end of third grade, they are four times more likely to drop out of school. Reading Partners aims to change those odds and needs community support now more than ever since it is estimated that students have lost an additional seven months to a year’s worth of learning during the pandemic. For more information on becoming a tutor during the 2022-23 school year, please visit www.readingpartners.org. No teaching experience is required. Orientation, onsite support and a structured, easy-to-follow curriculum is provided.
When: Wednesday, August 31 at 7:00pm.
Where: Joseph Riley Park, 360 Fishburne St, Charleston, SC 29403.
About Reading Partners
Reading Partners’ mission is to help children become lifelong readers by empowering communities to provide individualized instruction with measurable results. Each year, hundreds of local volunteer tutors across Charleston and Berkeley Counties support students on their paths toward becoming strong, confident readers.
Oak Hills C.C. in San Antonio, Texas, will jump back into the national spotlight with 2 USGA championships in 2024 and 2028. (Oak Hills)Oak Hills Country Club, in San Antonio, Texas, has been chosen as the host site for the 2024 U.S. Women’s Amateur Four-Ball Championship and 2028 U.S. Senior Amateur Championship. The U.S. Women’s Amateur Four-Ball will be contested from May 11-15, 2024, and the U.S. Senior Amateur will take place from Aug. 26-31, 2028.“The USGA is thrilled to make our return to Oak Hills Coun...
Oak Hills C.C. in San Antonio, Texas, will jump back into the national spotlight with 2 USGA championships in 2024 and 2028. (Oak Hills)
Oak Hills Country Club, in San Antonio, Texas, has been chosen as the host site for the 2024 U.S. Women’s Amateur Four-Ball Championship and 2028 U.S. Senior Amateur Championship. The U.S. Women’s Amateur Four-Ball will be contested from May 11-15, 2024, and the U.S. Senior Amateur will take place from Aug. 26-31, 2028.
“The USGA is thrilled to make our return to Oak Hills Country Club in both 2024 and 2028,” said Mark Hill, USGA senior managing director, Championships. “We know the course will be a true test for the best amateur golfers in the world. This will absolutely be showcased during the U.S. Women’s Amateur Four-Ball and the U.S. Senior Amateur.”
Oak Hills Country Club is one of the oldest private member-owned country clubs in the country. Originally founded in 1922 as the Alamo Country Club, Oak Hills was designed by premier architect A.W. Tillinghast, whose vision of beauty and challenging play is enjoyed by golfers of all abilities. Alamo Country Club ceased operations during World War II and the course reopened as Oak Hills Country Club in 1946.
“The Oak Hills membership and the larger community of San Antonio are looking forward to welcoming both the U.S. Women’s Amateur Four-Ball and U.S. Senior Amateur to our club,” said Cary Collins, director of golf at Oak Hills Country Club. “We look forward to hosting tremendous amateur golfers and having the opportunity to share our golf course on a national stage. It’s an incredible opportunity for all of us at the club and we are looking forward to working with the USGA closely over the next several years.”
Oak Hills previously hosted the 2001 U.S. Junior Amateur Championship, when Henry Liaw defeated Richard Scott, 2 and 1, in the final match. The club has also hosted 24 Texas Open Championships won by several legends of the game, including Arnold Palmer, Hale Irwin and Lee Trevino. The PGA Tour Champions’ AT&T Championship was also hosted at the club from 2002-2010, with Craig Stadler, Jay Haas, Fred Funk and John Cook among those to hoist the trophy. Oak Hills also hosted the 1987 debut of the Tour Championship, which was then known as the Nabisco Championship and was won by Tom Watson.
The U.S. Women’s Amateur Four-Ball is open to female amateur golfers of all ages. Each member of the side must have a USGA Handicap Index® of 14.4 or lower. The 2023 championship will be held at The Home Course in DuPont, Wash., from May 13-17. Additional future sites include Daniel Island Club in Charleston, S.C., from May 2-6, 2026, and Bandon Dunes (Ore.) Golf Resort in 2037.
In April, Georgia residents Thienna Huynh and Sara Im outlasted Kaitlyn Schroeder and Bailey Shoemaker, 1 up, at Grand Reserve Golf Club in Puerto Rico to win the 7th U.S. Women’s Amateur Four-Ball Championship. This installment of the championship made history as the first USGA championship to be contested outside the mainland in a U.S. territory.
The U.S. Senior Amateur is open to any golfer who is 55 years of age or older and whose Handicap Index does not exceed 7.4. The 2022 championship is currently taking place at The Kittansett Club in Marion, Mass., through Sept. 1, while Martis Camp Club in Truckee, Calif. will host the 2023 edition from Aug. 26-31. The Honors Course in Ooltewah, Tenn., will host the 2024 championship from Aug. 24-29 and Biltmore Forest Country Club in Asheville, N.C., will host in 2025.