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Mortgage Broker in Dentsville, SC

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Classic Home Mortgage Providing Trustworthy Mortgage Guidance for Over 30 Years

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 Dentsville, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.

My name is Dan Crance - Dentsville'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 Dentsville, 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.

Service Areas
Mortgage Broker Dentsville, SC
 Refinance Dentsville, SC

Why Choose Dan Crance As Your Mortgage Lender in Dentsville, SC?

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.

 Conventional Mortgage Dentsville, SC

Home Financing in Dentsville, SC

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 Dentsville, 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 Dentsville, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.

 FHA Mortgages Dentsville, SC

When you work with Classic Home Mortgage, you can always count on our team to:

  • Put your needs first.
  • Work efficiently and quickly. Many of our home loans close in 30 days or less.
  • Offer you a variety of home loans to choose from, and help you make an informed decision.
  • Provide you with competitive rates that make sense for your budget and lifestyle.

While no two loan terms are the same, a few of the most common loan types include:

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 Dentsville, SC.

Refinancing in
Dentsville, 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 Dentsville, SC - Dan Crance.

Here are just a few reasons why more homeowners in the U.S. are taking advantage of lower rates and refinancing their homes:
 Home Ready Mortgages Dentsville, SC
Shorter Term Loan

Shorter Term Loan

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.

Do Away with FHA

Do Away with FHA

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.

Switch to Fixed Rate or Adjustable-Rate Home Loan

Switch to Fixed Rate or Adjustable-Rate Home Loan

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.

 Mortgage Banker Dentsville, SC

Common Questions About Home Loans

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.

Generally speaking, you should consider refinancing when mortgage rates are 2% lower than the current rate on your home loan. For some homeowners, refinancing makes sense when there is only a 1% difference. Reducing your mortgage rate is a great way to save money or apply your savings to a home upgrade. The money you save on your refinanced loan depends on your loan amount, budget, income, and charges from interest rates. It's crucial that you work with a trusted mortgage loan officer in Dentsville, SC, to help calculate your refinancing options.
This is one of our most frequently asked questions at Classic Home Mortgage. In simple terms, points let you make a tradeoff between the upfront costs of your loan and your monthly payment amount. Points are essentially costs that you have to pay to your mortgage lender to get financing under specific terms. A point is defined as a percentage on your loan amount. 1-point is equal to 1% of the loan. So, 1 point on a loan worth $100,000 is equivalent to $1,000. When you pay some of the interest on your home loan upfront, you use discount points to lower your interest rate.
If you plan to live in the property for a few years, it makes a lot of sense to pay points to lower your interest rate. Doing so will help lower your monthly loan payment, which you can use to save money. Paying points may also increase the amount of money that you can borrow. If you do not plan on living in the property for at least a few years, this strategy might not make financial sense because you might not be able to make up the amount of the discount points you paid up-front.
In short, yes, your mortgage lender will need to know your credit score. Credit scoring is a system that creditors use to decide whether they will give you credit. Your credit score helps creditors decide how creditworthy you are or how likely you will repay your loan. In most circumstances, creditors will use your FICO scores during the loan process. Your score will fall between high risk (350) and low risk (850). Your credit score plays a big role in the loan process, and as such, your score must be accurate before submitting a credit report when applying for a loan.
The answer to this question depends on how money you choose to put as a down payment on your home. On a conventional loan, if your down payment is less than 20% of the price of your home, your mortgage broker in Dentsville may require you to get Private Mortgage Insurance or PMI for short. This insurance protects your lender in the event you default on your mortgage. The best way to avoid paying for this insurance is to make a down payment of 20% or more of the purchase price of your home.
 Mortgage Company Dentsville, SC

Trust Dan Crance

Your Mortgage Lender in Dentsville, SC

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 Dentsville loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

Latest News in Dentsville, SC

S.C. Highway Patrol conducting recruitment sessions beginning Tuesday in Columbia

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The South Carolina Highway Patrol will be traveling the state in July conducting recruitment presentations.The first recruitment session is Tuesday at the Troop 1 Headquarters at 1626 Shop Road, in Columbia.Each session begins at 6 p.m.See the poster, left, for all recruitment presentations and the date and place.

Categories: Batesburg-Leesville, Blythewood, Cayce, Chapin, Columbia, Dentsville, Eastover, Forest Acres, Gilbert, Hopkins, Irmo, Lexington, Lexington County, Lower Richland, Pelion, Richland County, Swansea, West Columbia

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5 Most Affordable Columbia, SC, Suburbs to Live In

Whether you want to call it by its nickname, “Soda City,” or just by its name, Columbia, SC, is one of the many great destinations to move to in the South. This South Carolina city is known for many things including its Southern charm, riverfront views, museums, and Greek Revival buildings.And if you’re considering ...

Whether you want to call it by its nickname, “Soda City,” or just by its name, Columbia, SC, is one of the many great destinations to move to in the South. This South Carolina city is known for many things including its Southern charm, riverfront views, museums, and Greek Revival buildings.

And if you’re considering living in Columbia, there’s four things you should know. The housing market is somewhat competitive, the median home sale price is $237,000, the average sale price per square foot is $135, and the average rent price for a two-bedroom apartment in Columbia is $1,249.

If those prices are out of your budget, don’t worry, we’ve got options. We’ve collected the 5 most affordable suburbs of Columbia, SC, to consider living in. And the best part is that they’re all less than 25 minutes away from the city center. You’ll still be close enough to Columbia to explore the city’s great neighborhoods without the price of living there.

#1: Dentsville

Median home price: $158,950 Average sale price per square foot: $101 Driving distance from Columbia: 15 minutes Dentsville, SC homes for sale Dentsville, SC apartments for rent

With a median home sale price of $158,950, Dentsville comes in at number one on our list of most affordable suburbs of Columbia, SC. About a 15-minute drive north of downtown Columbia, Dentsville is home to roughly 14,400 residents. If you’re considering moving to this area make sure to explore the nearby Sesquicentennial State Park where you can camp, canoe, bike, or walk on a nature trail.

Interested in moving to the area?

Partner with an experienced agent who knows the local market. Contact a Redfin agent #2: Woodfield

Median home price: $160,000 Average sale price per square foot: $136 Driving distance from Columbia: 20 minutes Woodfield, SC homes for sale Woodfield, SC apartments for rent

Columbia’s second most affordable suburb is Woodfield. About a 20-minute drive away from downtown Columbia, you can explore Riverbanks Zoo & Garden, and boat, fish, or relax at Lake Murray in just a quick drive. When living in this suburb of 9,200 people, you can also spend time exploring charming downtown Woodfield.

#3: Seven Oaks

Median home price: $191,000 Average sale price per square foot: $130 Driving distance from Columbia: 15 minutes Seven Oaks, SC homes for sale Seven Oaks, SC apartments for rent

15 minutes outside of the city, you’ll find yourself in the suburb of Seven Oaks. Even with a population of about 14,700, there are plenty of fun things to do in Seven Oaks. Make sure to check out one of the many parks like Seven Oaks Park or the Environmental Center at Saluda Shoals Park if you move to the third most affordable suburb.

#4: West Columbia

Median home price: $215,000 Average sale price per square foot: $153 Average rent for a 2-bedroom apartment: $1,225 Driving distance from Columbia: 8 minutes West Columbia, SC homes for sale West Columbia, SC apartments for rent

Only slightly more expensive than Seven Oaks is West Columbia, the next suburb on our list. With a population close to 17,400, there’s still plenty to do in this suburb of Columbia, SC. Plan to spend the day taking in the riverfront views at West Columbia Riverwalk Park and Amphitheater, exploring the Riverbanks Botanical Garden, and grabbing a meal at one of the many local spots.

#5: Red Bank

Median home price: $239,750 Average sale price per square foot: $155 Driving distance from Columbia: 25 minutes Red Bank, SC homes for sale Red Bank, SC apartments for rent

Drive 25 minutes outside of Columbia and you’ll find the suburb of Red Bank, the final city on our list. With 10,900 people living in this affordable town, Red Bank is a great option to consider when looking to stay close to Columbia without paying the premium for a home in the city. In Red Bank, there’s plenty to explore throughout the year.

Methodology: Affordability is based on whether a suburb’s median home sale price or average sale price per square foot is less than Columbia and under a 25-minute drive from downtown Columbia. Median home sale price data from the Redfin Data Center during March 2023. Average rental data from Rent.com March 2023. Population data sourced from the United States Census Bureau.

If you are represented by an agent, this is not a solicitation of your business. This article is for informational purposes only, and is not a substitute for professional advice from a medical provider, licensed attorney, financial advisor, or tax professional. Consumers should independently verify any agency or service mentioned will meet their needs. Learn more about our Editorial Guidelines here.

Serving homebuyers and sellers in the South Carolina area, Neysa Molle is a top real estate agent at Redfin with the latest market insights and local expertise. With years of experience as a real estate agent in the greater South Carolina area, Neysa Molle possesses a wealth of knowledge and expertise in the local market.

Connect with Neysa

Hanahan, Goose Creek among hardest-working cities in SC, according to website Zippia

HANAHAN — The Lowcountry might be the hardest working region in South Carolina, but that’s partly because so many of us are stuck in stop-and-go traffic for so long each day.Hanahan was named the “Hardest Working City” in South Carolina recently by zippia.com. Five of the top six cities in South Carolina came from the tri-county area.Goose Creek came it at No. 2 in this year’s rankings. Charleston (4), Ladson (5) and North Charleston (...

HANAHAN — The Lowcountry might be the hardest working region in South Carolina, but that’s partly because so many of us are stuck in stop-and-go traffic for so long each day.

Hanahan was named the “Hardest Working City” in South Carolina recently by zippia.com. Five of the top six cities in South Carolina came from the tri-county area.

Goose Creek came it at No. 2 in this year’s rankings. Charleston (4), Ladson (5) and North Charleston (6) also were all among this year’s top 10 cities in the state.

Zippia sifted through the most recent American Community Survey from the U.S. Bureau of Labor Statistics to determine its rankings. The website ranked just shy of 4,000 cities across the country. Among the metrics used to rank individual cities were average hours worked plus the average commute time.

“It wasn’t just the number of hours worked,” said Kathy Morris, a marketing manager for Zippia, a jobs search website. “We wanted to take into account how many hours the average worker put in, plus their daily commute. Both of those numbers are important when determining just how long a person is working.”

After that, Zippia examined the number of workers per household (employee labor force divided by the number of households) and the percent of residents in each location who are part of the labor force. The higher the numbers in both categories, the harder working the city.

The average worker in Hanahan puts in about 42 hours a week, has a 36-minute daily commute and 71 percent of the labor force in the city has a job.

“Those are really strong numbers, especially the percentage of workforce that has remained employed during a pandemic,” Morris said.

In Goose Creek, the average worker put in 44.4 hours per week and had the same 36-minute daily commute as Hanahan residents. Goose Creek fell just behind Hanahan with 66.9 percent of its labor force employed.

“I’ve always felt like Hanahan is a blue-collar kind of town,” said Bryan Couture, who lives in Tanner Plantation and works for a local tech company. “People have that work ethic ... and that why I think things get done around here.”

Owners of Kiki’s Chicken and Waffles want to connect to USC students

Kiki’s Chicken and Waffles in Columbia has welcomed celebrities like President Joe Biden, former Sen. Hillary Clinton and USC women’s basketball coach Dawn Staley since opening its doors 10 years ago.The owners, Kiki Cyrus and her husband, Tyrone, don’t know how the celebrities discovered the restaurant.“They just come, and I think it’s because we grew a big brand and people ask where to go to get soul food, good food, and people say to come to Kiki’s,” Cyrus said. “It’s cra...

Kiki’s Chicken and Waffles in Columbia has welcomed celebrities like President Joe Biden, former Sen. Hillary Clinton and USC women’s basketball coach Dawn Staley since opening its doors 10 years ago.

The owners, Kiki Cyrus and her husband, Tyrone, don’t know how the celebrities discovered the restaurant.

“They just come, and I think it’s because we grew a big brand and people ask where to go to get soul food, good food, and people say to come to Kiki’s,” Cyrus said. “It’s crazy.”

The restaurants — there are two location — are best known for their chicken and waffle dish, but also serves Southern staples such as fried green beans and smothered pork chops. Joe Biden’s favorite dish? He ordered the red velvet waffle with cream cheese.

“Most people love the red velvet waffle, that’s, like, our most popular item,” Cyrus said.

One restaurant, in Richland Northeast’s Dentsville, is at 7001 Parklane Road. The second location opened in Harbison in July 2019 at 1260 Bower Parkway, Suite A8. The couple wants to open up additional locations in Charleston and Rock Hill.

“We get a lot of people that travel from the Charleston area,” Cyrus said. “I think that’d be the best move for us.”

Chris Bozard said the only drawback of Kiki’s is the two locations are about an hour from where he lives but maintains the drive is “worth it.”

“There is only one food place in Columbia’s that I would recommend, and that’s Kiki’s,” Bozard said.

The Cyruses worked at Columbia’s California Dreaming restaurant while in college at USC but wanted to have their own business.

“I love cooking,” Cyrus said. “My husband loves cooking and decided to get into the restaurant business. Now, chicken and waffles? We wanted to get into it because it’s a big staple in the largest cities. We needed one here, and we were the first.”

Cyrus has made many connections in the Columbia community through her restaurant. It’s the most rewarding part of Kiki’s Chicken and Waffles, she said.

Raven Cooler won’t go to any other restaurant that serves chicken and waffles when she travels. It would be a betrayal, she thinks.

Her first meal at Kiki’s was in 2017, said she has gone “pretty regularly” since.

“Anytime people come to Columbia to visit me, we go to Kiki’s,” Cooler said.

But the business faced multiple challenges while growing in the Midlands.

“When we first started, probably getting the word out (was the most challenging part),” Cyrus said. “No one wanted to give us a chance because we had just started out.”

Like other restaurants, Kiki’s struggled with keeping staff during the pandemic. Attendance dropped, too. Tyrone said they didn’t welcome any celebrities during the height of COVID-19.

“We’re still continuing to build up staff,” Tyrone said.

Now, she and her husband are setting a new personal goal for themselves. They’re trying to connect with USC students.

“We serve the Gamecock football team, so sometimes they want us to come in and do chicken and waffles for them,” Cyrus said. “But the students don’t know about us.”

Tyrone praised the football team and the women’s basketball team and hopes to be able to cater to the women’s team soon.

“We’re big supporters of USC,” Tyrone said.

Cyrus has been visiting classes in the Darla Moore School of Business to talk about growing a business and advertising her restaurant.

“If I could have you guys be able to use a Carolina Card here, but I think it’s probably too far,” Cyrus said.

Candace Ruth Jarrett Leggett

Candace Ruth Jarrett Leggett fondly known as “Candy”, daughter of the late Harry W. Jarrett Jr. and Sally Modelle Bookout Jarrett, was born in Charleston, SC on May 1, 1948. She entered eternal rest on Sunday, February 25, 2024, surrounded by family in Columbia, SC.Candy received her early education in the Charleston area which were Sullivan’s Island and Mt. Pleasant school system and graduated from Dentsville High School Class of 1967 of Columbia, SC. Later in life she earned her Bachelor of Arts in Finance and Busi...

Candace Ruth Jarrett Leggett fondly known as “Candy”, daughter of the late Harry W. Jarrett Jr. and Sally Modelle Bookout Jarrett, was born in Charleston, SC on May 1, 1948. She entered eternal rest on Sunday, February 25, 2024, surrounded by family in Columbia, SC.

Candy received her early education in the Charleston area which were Sullivan’s Island and Mt. Pleasant school system and graduated from Dentsville High School Class of 1967 of Columbia, SC. Later in life she earned her Bachelor of Arts in Finance and Business Management from the University of South Carolina and her master’s in technology management from Lesley University.

Candy worked different occupations which include working for Richland District 2 Student School Bus Driver from 1966 – 1967. A Pharmaceutical Transcriber for McKesson & Robbin’s from 1967 – 1968. Then, in Lawton Oklahoma she worked for Earl Drug Store she was the bookkeeper and accountant from 1968 – 1969. She started her journey working as a bank teller for SCN (Columbia and Sumter) in 1969 – 1977. She then transitioned to NBSC/SYNOVUS in 1977 as a teller, senior teller and eventually promoted to Regional Human Resources Manager and retired in 2001. She then tried a new venture in working for the Gingerbread House as an accountant from 2002 – 2005. At the end of her career adventures, she worked for Sumter School District 17 as an ISS Supervisor, accountant, and cheerleading assistant coach until her retirement in June 2022.

Candy is our purple angel in the sky and was an inspiration to countless people. You were the light of the party, the giggles, the sass, you were the character everyone loved. She was always there for anyone who needed her. She was the type of person that would open her house up to anyone and her hospitality made everyone feel important and needed. She was the most loving, compassionate, understanding, family-oriented woman. There was not a single thing that her girls wanted for that she would not make it possible for them to get. In her earlier years she loved to cross stitch and taught her daughters how to also. She made things for family and friends. She started to crochet blankets and other things for fun. She eventually learned how to smock dresses for her girls. There was nothing she would not do for her girls. She would put them in pageants in their younger years and loved rallying for each of them. Made sure they had the best. Later in life, she decided to go back to school and get her college degrees. She worked tirelessly for years carrying out her goal to receive her BA and Master’s degrees. While staying busy with school and work she also became guardian ad litem which she eventually had to stop as it was emotionally draining for her.

The family bought a yearly time share at North Myrtle Beach in June. That was the most beloved place momma wanted to be. She loved the ocean and beach probably because of her earlier years at Sullivan’s Island. She also loved to sell things such as Mary Kay Cosmetics, Tupperware, and Scentsy and loved to host parties for each.

When her girls were starting their own paths, she was delighted by having grandchildren. She loved her grandchildren more than life itself which includes Karrington Leggett, Justin Leggett, Sidney Leggett, Adriana Mullen, and Adalynn Mullen. Any one of them would come into a room, and she would light up the room. She would make sure they had the best life also. She would put them in karate, dance, gymnastics, and cheerleading squads. She was a cheerleader for each of her grands.

She changed professions later and went to work at Crestwood High School and helped the cheerleading squad. She loved that job and was very fulfilling. Going to the games and the proms for high school brought her back to her earlier years. She made so many friends that she cherished so much. After leaving Crestwood High School, she went to Ebenezer Middle School to finish her career path. Right before her passing she was introduced to Chayah Hawk as her first great grandbaby. She fell right in love with her, and she was the apple of her eye.

Candy leaves to cherish her memories daughters Ashley Leggett of Columbia, SC and Kristina (Charlie) Mullen of Sumter, SC, as well as siblings Jaclyn Jarrett Macaulay (Earl Macaulay) of Columbia, SC, Marsha J. Reynolds of St Mary’s County, MD, Steve E Jarrett (Mary Jarrett) of Columbia, SC, and Harry W. Jarrett III (Yan Wen Jarrett) of Wilmington, NC. She will be missed especially by her five grandchildren, who affectionately referred to her as “Nana,” and her great-grandchild.

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