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.
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 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.
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 Dentsville, 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.
On this day in 1865, Union forces under the command of major general William Tecumseh Sherman captured the city of Columbia, S.C. – and burned a sizable portion of it to the ground.Or did they?In his 1999 book Lies Across America, author James W. Loewen disputes this version of history – the one that’s still plastered on monuments all over the Southern city. Citing research by historians Marion Lucas and James Rhoads, Loewen concludes that the main fire which destroyed roughly a third of the city was ...
On this day in 1865, Union forces under the command of major general William Tecumseh Sherman captured the city of Columbia, S.C. – and burned a sizable portion of it to the ground.
Or did they?
In his 1999 book Lies Across America, author James W. Loewen disputes this version of history – the one that’s still plastered on monuments all over the Southern city. Citing research by historians Marion Lucas and James Rhoads, Loewen concludes that the main fire which destroyed roughly a third of the city was accidental – the result of wind rekindling cotton fires set previously by retreating Confederate troops.
In fact according to Loewen’s account, union troops actually helped to contain the conflagration.
Confederate loyalists bristle at such “revisionist history.”
“The responsibility lies totally and completely with General William Tecumseh Sherman,” a website devoted to Confederate general Wade Hampton states plainly.
As evidence, the site refers to an entry in Sherman’s journal in which he acknowledges framing Hampton for the blaze.
“In my official report of this conflagration I distinctly charged it to General Wade Hampton, and confess I did so pointedly to shake the faith of his people in him, for he was in my opinion a braggart and professed to be the special champion of South Carolina,” Sherman wrote.
The site also quotes an account in which one of Sherman’s commanding generals – Oliver Otis Howard – stated that “it is useless to deny that our troops burnt Columbia, for I saw them in the act.”
It also quotes The (Columbia, S.C.) State newspaper – which concluded a century later that “responsibility rested upon Sherman and his men.”
Indeed Union troops did set several fires during their occupation of Columbia – most notably the destruction of the Gibbes House. But were these fires responsible for the larger blaze that consumed so much of the city? Or did that larger blaze originate from the cotton fires set by Confederates?
We may never know for sure, although the damage to these landmarks is obviously not up for debate …
(Click to enlarge)
What else is likely to remain a mystery? How much of Columbia was actually burned …
The S.C. Confederate Relic Room and Museum claims that more than eighty percent of the city was destroyed, although Loewen refers to this government-funded entity as “the least accurate museum operated by a state government anywhere in the United States.”
Don’t get us wrong: This website is by no means sympathetic to the federal government … then or now. Don’t believe us? Look no fruther than the fact we have seriously entertained secession (although not the sort that precipitated the “late unpleasantness,” mind you).
Past or present ideologies aside, the historical question simply fascinates us …
What do you think? Cast your vote in our poll and post your thoughts in our comments section below …
CHARLESTON, S.C., Sept. 30, 2022 /PRNewswire/ -- U-Haul® is offering 30 days of free self-storage at 22 facilities across South Carolina and Georgia where storm surge, flooding and strong winds from Hurricane Ian are expected to leave residents in need of recovery assistance."Ian has already brought devastation to our neighbors in Florida," said Tinessa Edwards, U-Haul Company of Coastal South Carolina president. "The threat of flooding in South Carolina is high as Ian makes landfall here. Storms of this magnitude c...
CHARLESTON, S.C., Sept. 30, 2022 /PRNewswire/ -- U-Haul® is offering 30 days of free self-storage at 22 facilities across South Carolina and Georgia where storm surge, flooding and strong winds from Hurricane Ian are expected to leave residents in need of recovery assistance.
"Ian has already brought devastation to our neighbors in Florida," said Tinessa Edwards, U-Haul Company of Coastal South Carolina president. "The threat of flooding in South Carolina is high as Ian makes landfall here. Storms of this magnitude create an immediate need for dry and secure self-storage.
"Our U-Haul family is willing and able to help by making our disaster relief program available to anyone in need."
U-Haul has also made 43 self-storage facilities across Florida available to offer free assistance.
The free month of self-storage services is available to customers renting new units and is subject to vacancy at each U-Haul facility. People seeking more information about the U-Haul disaster relief program or needing to arrange 30 days of free self-storage should contact the participating facility nearest them (listed alphabetically by city):
U-Haul at Knox Abbott 901 Knox Abbott Drive Cayce, SC 29033 (803) 791-5992
U-Haul Moving & Storage of Wambaw Creek 2076 Wambaw Creek Road Charleston, SC 29492 (843) 884-4688
U-Haul Moving & Storage of Arcadia Lakes 125 Decker Park Road Columbia, SC 29206 (803) 699-9397
U-Haul Moving & Storage at Beltline 2826 Two Notch Road Columbia, SC 29204 (803) 807-2534
U-Haul Moving & Storage at Broad River Road 1003 Zimalcrest Drive Columbia, SC 29210 (803) 731-0067
U-Haul Moving & Storage of Dentsville 7325 Two Notch Road Columbia, SC 29223 (803) 636-2652
U-Haul Moving & Storage at Elmwood 1037 Elmwood Ave. Columbia, SC 29201 (803) 256-2499
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
Facebook Print Save
We are getting antsy for football season! High School, college, NFL....tell us your team by the color you'll be wearing most!
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.
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.
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.
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.
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.
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.
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.”