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.
Staying up to date on routine appointments and starting healthy habits can make lasting improvements to overall healthNational Women’s Health Week (May 8-14) serves to remind women of the importance of routine and preventive care for both their mental and physical health. This weeklong recognition, which kicked off on Mother’s Day, also serves as an important time to encourage women and girls to take steps to improve their overall health.The U.S. Department of Health and Human Services' ...
Staying up to date on routine appointments and starting healthy habits can make lasting improvements to overall health
National Women’s Health Week (May 8-14) serves to remind women of the importance of routine and preventive care for both their mental and physical health. This weeklong recognition, which kicked off on Mother’s Day, also serves as an important time to encourage women and girls to take steps to improve their overall health.
The U.S. Department of Health and Human Services' Office on Women's Health (OWH) and the South Carolina Department of Health and Environmental Control also stress the importance of catching up on missed or delayed annual checkups due to the COVID-19 pandemic. Delaying routine or annual health care checkups can impact individuals in different ways and can lead to undiagnosed health issues or a delay in treating preventable illness.
In June 2020, the Centers for Disease Control and Prevention (CDC) reported that four in 10 adults had avoided medical care appointments because of concerns related to COVID-19.
“Too often, women put their health last when they should be prioritizing their bodies, minds and overall wellbeing,” said Kimberly Seals, Director of DHEC’s Bureau of Maternal and Child Health. “It’s important that women take time to put their health first. Make an appointment if you’re overdue for checkups and be sure to stay current on preventive screenings like mammograms, PAP smears, cholesterol and blood pressure screenings, stress tests, and physical exams.”
Better overall health can be achieved by taking small steps each day that can have lasting effects and noticeable improvements on a women’s physical, mental and emotional health. Women and girls can implement small, positive changes by:
“Anyone feeling affected by stress, anxiety or depression should reach out to a health care provider for mental and emotional support and guidance,” said Seals. “These past two years of the COVID-19 pandemic have taken a drastic toll on everyone’s mental and emotional health. There’s no stigma or shame in asking for help. Getting help when you need it is one of the bravest and smartest things a person can do for themselves and for their families and friends.”
Women and girls can find more resources at the National Women’s Health Week webpage, www.womenshealth.gov. Find additional information and learn how DHEC works to improve women’s health and the health of all South Carolinians at scdhec.gov/health.
SC HOPES is a support line for any South Carolinian impacted by COVID-19 or any other associated stressors. Anyone can call this line to be linked to resources for mental health and substance use treatment or other needs. SC-HOPES is available 24/7, toll-free, at (844) SC-HOPES (724-6737).
At the end of March, it was hard to believe renovations to the Credit One Stadium would be ready in time for the Credit One Charleston Open. Bob Moran, president of Charleston Tennis LLC, laughed at the idea, though. As the man in char...
At the end of March, it was hard to believe renovations to the Credit One Stadium would be ready in time for the Credit One Charleston Open. Bob Moran, president of Charleston Tennis LLC, laughed at the idea, though. As the man in charge of all stadium operations, he had big plans and had no doubt they would happen on time for the tournament.
With 90% of the project completed, all that remained were finishing touches like landscaping, erecting temporary stands and tents, smoothing out a new back entrance for the stadium and bringing furniture inside to VIP rooms.
“It’ll be a completely different look,” Moran said.
For two years, the stadium has been closed for extensive renovations following a $50 million investment from Charleston Open owner and local billionaire and philanthropist Ben Navarro. The construction combined with the looming pandemic forced last year’s then-Volvo Car Open to take place in a temporary stadium to zero capacity.
This year, from April 2-10, the new stadium welcomed fans and more than 100 of the greatest female players from around the world to serve in the Women’s Tennis Association tournament, for which Credit One Bank is the title sponsor. On April 10, Belinda Bencic of Switzerland won the women’s singles division, while Magda Linette, from Poland, and Andreja Klepac, representing Slovenia, ruled the doubles tournament.
Headquartered in Las Vegas and affiliated with Sherman Financial in Charleston, Credit One Bank has a large card member base in the Southeast. Increasing national branding as a title sponsor of the tournament was one of the biggest driving factors for getting involved, said Michael Norris, head of sponsorships for Credit One Bank.
“We want to be here for a long time, and with this new facility, there’s going to be a lot of entertainment to go along with women’s tennis, so I think there’s a lot of ways for our brand to activate in the area for years to come,” Norris said.
Credit One Bank first collaborated with the Charleston tennis scene in 2020 for the Credit One Invitational, a tournament that raised funds for health care workers in the area. The event also served as Credit One’s entry into the tennis market. The financial company donated some of the proceeds to Medical University of South Carolina and other local hospitals and hospital groups.
“We saw great success in that tournament and Bob (Moran) actually approached us in regard to moving forward with being the title sponsor for the tournament this year,” Norris said. “We were thrilled.”
Knowing the magnitude of the renovations and the investment put into the updates, Credit One was eager to make the annual women’s tennis tournament the company’s first title sponsorship.
“What better way to do that in Charleston, you know? There’s such a great history in the tournament here,” Norris said.
With upfits and renovations, the Daniel Island stadium has increased seating capacity from 7,000 to 11,000. The original bleachers remain, but 16 permanent hospitality suites ranging from 20 to 30 people have been added. Guests can enjoy fully conditioned private rooms, complete with kitchens and bathrooms, that open to private patios and open views of the court.
A new Wando Entrance connects a path to the docks in front of The Kingstide and the Yacht Club. The Daniel Island boat shuttle will run back and forth from the landing, a 700-yard walk to the front gate.
To offer even more convenience for patrons, the Credit One Stadium is also a fully card and mobile payment venue with reverse ATMs located throughout the stadium’s concourse level.
Behind the courts, a newly built 35,000-square-foot stage house offers VIP guests, athletes and entertainers a private experience with anything they could need, including a private dining area, lounge and golf simulator.
The house also offers a gym, plenty of televisions to watch live action, training rooms, a large media room to allow press members their own space for a day of coverage, a commercial kitchen for vendors to make meals on-site and so much more.
“I guarantee we missed a bunch, but at the same time, you do the best you can and learn as you go,” Moran said.
For musicians, the original stadium wasn’t user-friendly for unpacking gear and loading it onto the stage, Moran said, but the new building answers to that issue.
Trucks can now drive into two loading docks and unload equipment. Handlers can then roll gear straight onto the stage or into the stage house with freight elevators and storage.
Norris has been in close contact with Moran, Navarro and his wife, Kelly Navarro, over the last year as renovations have been going on.
“It’s been amazing,” Norris said. “I was here in July, and all that was up was a frame. There was dirt everywhere. So, to kind of see all the different milestones in the construction process and then see it all come to life for the tournament – the grand lawn tent go up and obviously our logo on the side of the stadium – it’s been exciting.”
The Credit One Stadium hosts the one major tennis tournament each year, but Moran said he is always looking for other opportunities that would allow Charleston Tennis LLC to be a good WTA partner. He’s also hoping to branch out with even more events at the venue as the world continues to open up post-pandemic.
“We’re a multi-use facility, but tennis is going to be the hub, and if there’s opportunity to do more tennis, we definitely will,” he said.
Credit One Bank is committed to five years as a title sponsor of Charleston’s tennis tournament and saw the draw that the area brings following the 2020 tournament. Even without fans in the stadium, the chatter around the community and the coverage from social media and media partners was a win for Credit One.
This April, Credit One card members were invited to the tennis tournament to enjoy the weeklong event in the VIP room and lower-level seats on a first-come, first-served basis. Norris said the company also is in the process of creating an expedited service line to get cardholders into the stadium quicker, as well as exclusive discounts for tickets and concessions.
“There’s a very passionate fan base in Charleston, and we want to give them more of what they love,” he said. “That’s what our brand stands for… We want to bring great entertainment. We want to give these women tennis players a great facility to play at. So, I don’t see this as a one-and-done deal for us at all.”
Reach Teri Errico Griffis at 843-849-3144.
If you like food, drinks, history and art, then the May Author Series event is for you!Meet, mingle and listen to authors Kathryn Smith and Kris Manning discuss their most recent books. A question and answer will take place with a book signing to follow. The event will be at Daniel Pointe Retirement Community on Daniel Island, May 25 at 6 p.m.Both writers are excellent storytellers known for their fun presentations. You won’t want to miss this free event!Smith’s newest book is “Baptists & Bootlegger...
If you like food, drinks, history and art, then the May Author Series event is for you!
Meet, mingle and listen to authors Kathryn Smith and Kris Manning discuss their most recent books. A question and answer will take place with a book signing to follow. The event will be at Daniel Pointe Retirement Community on Daniel Island, May 25 at 6 p.m.
Both writers are excellent storytellers known for their fun presentations. You won’t want to miss this free event!
Smith’s newest book is “Baptists & Bootleggers: A Prohibition Expedition Through the South…with Cocktail Recipes.”
Get ready to be entertained with stories about Carry Nation, Al Capone, George Remus, F. Scott Fitzgerald and a host of other historical personalities as you learn of the South’s unique role in the years 1920-1933, when alcohol was banned by the federal government.
Smith’s book takes you to major cities and small towns, all of which struggled between the Baptists and their teetotaling allies who preached temperance and the bootleggers who got rich providing what their customers couldn’t buy legally. Learn how to take your own
Prohibition expedition through hotels, bars, speakeasies, museums and cemeteries, and sample some vintage cocktail recipes along the way. If you have ever thought history is boring, Smith’s storytelling will change your mind.
Manning, a Daniel Island awrtist, musician and author, will talk about her cookbook, “The Field Guide to Fabulous Food.”
Painstakingly handwritten by the author and expertly illustrated by Barbara Meierhusby, the Field Guide is a fresh take on traditional cookbooks.
Created in field guide fashion, Manning encourages culinary adventure — the kind that happens well before the first pan is fired. The cookbook helps aspiring foodies and everyday cooks choose, prepare and cook freshly sourced, local ingredients through easy to
understand recipes, practical techniques and illustrative watercolor images. Throughout the Field Guide, Manning shares personal stories, anecdotes and advice with wit and wisdom from her own culinary adventures.
“Many of the recipes in the Field Guide grew out of my Italian heritage and spending time in the kitchen with family. So many memories came rushing back to me over the past year and a half as I put the cookbook together,” Manning said. “And I channeled those cherished memories during the pandemic to bring to life all of these recipes that will teach you to be a good cook. Heck, if you make them enough times, you’ll be a great cook! The Field Guide is a hands-on cookbook, so, as you make the recipes, write on the pages. You’ll find that your notes will become very important to making these recipes your own.”
The cookbook includes over 50 recipes covering numerous cuisines — from Italian and French, to German, Asian and American fusion. It delivers more than tasty recipes and includes numerous in-depth examinations of ingredients.
This event is free. Tickets are required and available on a first-come basis. You may sign up at: bit.ly/3LCMzSp.
The Daniel Island News Author Series 2022 is a yearlong, monthly series connecting readers with local South Carolina authors and stimulating discussions, questions, and insights on a variety of topics and genres. Please consider making a donation to support the series when you sign up for your ticket.
The Author Series is organized and presented by The Daniel Island News and is sponsored by Loopit, the Daniel Island Community Fund and Bublish, Inc.
For more information on sponsoring or donating to support the Author Series, email email@example.com. You may also make a donation when you sign up at the Eventbrite page. – Suzanne Detar, firstname.lastname@example.org.
My friend, Carol Heilman, is the quintessential coal miner’s daughter.Along with her titles of wife, mother, grandmother and published author, she has brought her own very valuable piece of Americana right here to Daniel Island.“We lived in several different coal mining camps in Kentucky when my sister and I were growing up back in the hollers,” Heilman said.Ok, I had to ask too – a holler is a space between mountains where the coal miners and their families typically settle.“I don&rs...
My friend, Carol Heilman, is the quintessential coal miner’s daughter.
Along with her titles of wife, mother, grandmother and published author, she has brought her own very valuable piece of Americana right here to Daniel Island.
“We lived in several different coal mining camps in Kentucky when my sister and I were growing up back in the hollers,” Heilman said.
Ok, I had to ask too – a holler is a space between mountains where the coal miners and their families typically settle.
“I don’t think my mother ever adjusted to being a coal miner’s wife,” Heilman added.
Heilman’s mother refused to let the girls go to the one-room schoolhouses in the camps and opted for them to take a long bus ride into the city every day, receiving what Heilman said “was a very good education.”
Heilman didn’t really start writing until she was in her 50s, beginning her career with a workbook and a few creative writing classes at the University of South Carolina. The result – stories that read like a big plate of comfort food.
Heilman’s main character, Agnes Hopper, came to life in a short story and eventually became the star of a three-book series.
“She evolved, and that’s the fun of it,” Heilman continued. “The other characters started out as friends of mine, until they began taking on unfamiliar characteristics. It’s amazing how that happens.”
Heilman said her mother was a “take-charge” type of person as well as the muse for Agnes.
“I’m the peacemaker like my daddy,” Heilman said.
There is an aspect of seriousness in the “Agnes Hopper” series.
“I try to give a voice to people who don’t or can’t always speak for themselves,” Heilman said.
But there is also an element of comedy as she said it helps to treat difficult issues with a little humor.
Heilman, and Agnes, tackle those issues in exactly the way you would expect them to. Agnes makes us laugh, cry, infuriates us, as well as coerces us to fall in love with her.
These books have brought me two amazing friends – one who is unmistakably genuine, and one who is the perfect mix of reality and imagination at its finest.
But if ever I was in a tough jam and I had to choose one of them to help me out, I think I’d have to go with Agnes.
As forecasters predict another active Atlantic hurricane season, the American Red Cross of South Carolina is seeking new volunteers to respond to a growing number of climate-driven disasters. This year’s heightened hurricane outlook is part of a years-long trend of more frequent and intense climate disasters, such as hurricanes, wildfires, severe storms and floods.Just in 2021, South Carolina Red Cross volunteers responded to nearly 1,600 disasters within the state, assisting 5,600 people. Additionally, The Red Cross of South Ca...
As forecasters predict another active Atlantic hurricane season, the American Red Cross of South Carolina is seeking new volunteers to respond to a growing number of climate-driven disasters. This year’s heightened hurricane outlook is part of a years-long trend of more frequent and intense climate disasters, such as hurricanes, wildfires, severe storms and floods.
Just in 2021, South Carolina Red Cross volunteers responded to nearly 1,600 disasters within the state, assisting 5,600 people. Additionally, The Red Cross of South Carolina responded to calls to support neighbors in need across the country following multiple large-scale disasters, including mid-west and southern tornadoes, Hurricanes Ida and Henri, and the western wildfires. During the 2021 disaster season, the South Carolina Red Cross Region deployed more than 125 disaster workers, several of them multiple times, to provide comfort and relief to countless families impacted from coast to coast.
“Volunteers are at the heart of our mission, representing 90% of our workforce and responding on a near-constant basis to provide safe shelter, food, and comfort after disasters across the country,” said Rod Tolbert, Chief Executive Officer for the American Red Cross of South Carolina. “As this relentless pace of severe crises continues, we need more volunteers to grow our capacity and help ensure families never face these emergencies alone.”
Visit redcross.org/volunteertoday to help provide relief and hope to people affected by disasters. There most-needed positions include:
National Hurricane Preparedness Week is May 1-7, 2022, and the American Red Cross reminders people the best time to prepare for a hurricane is before one threatens your home and family.
PREPARE YOUR FAMILY NOW With the increasing risk of climate disasters, it’s more important than ever to follow the three simple steps below to help keep your family safe. Download the free Red Cross Emergency app for more safety information, including real-time weather alerts and disaster shelter locations, by searching “American Red Cross” in your app store or visiting redcross.org/apps.