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.
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.
Sporting a set of blue scrubs, Tonez Wilson fidgeted in his seat as he waited for his name to be called. The 23-year-old was set to graduate from his nursing program in a week and should have been in class...
Sporting a set of blue scrubs, Tonez Wilson fidgeted in his seat as he waited for his name to be called. The 23-year-old was set to graduate from his nursing program in a week and should have been in class that morning. Instead he was at the Richland County Central Court in Dentsville, fighting to not be evicted from his apartment.
In the past two months he had racked up $1,417.80 in back rent. Now, after four years of renting with the same company, the landlord wanted him out.
Wilson is one of ten tenants who passed through Magistrate Judge Phillip F. Newsom’s courtroom on Wednesday, Oct. 27, and one of countless others nationwide who face the possibility of losing their housing.
Tenants who fell on hard times at the start of the pandemic were temporarily shielded from eviction by a federal moratorium. Those protections ran out in August, but many are still struggling to get back on their feet.
Even before COVID-19, South Carolina had the highest eviction rate of any state in the country, according to research from Princeton University’s Eviction Lab.
Sue Berkowitz, executive director of the S.C. Appleseed Justice Center, said despite the far reaching consequences of evictions, it is one of the most overlooked issues in the state.
“A lack of stable affordable housing in South Carolina, along with laws that make it fairly easy to evict, has led to a crisis. And there’s no reason to think things won’t be as bad or even worse with this pandemic.”
Under South Carolina law, landlords can evict a tenant if they fail to pay rent within five days of the due date or if they violate the terms of their lease. That includes staying past the end date on the lease.
Landlords — many of whom have spent months waiting to collect rent because of the moratorium — say filing for eviction is often the only tool they have to help recoup their losses.
The State spent a day in magistrate court observing eviction hearings and interviewing tenants to put a face to the problem advocates have long warned about.
Some of those threatened with eviction had fallen behind on rent because they lost their jobs, had their pay cut or faced a medical emergency. Others simply misunderstood the terms of their lease.
Eight of the tenants were people of color. One was not fluent in English and needed a translator. None of them had a lawyer. All of them were hoping to stay in their homes, or at least buy some time before they had to go.
The information in this story came from both court testimony and interviews with The State.
The reason Wilson started nursing school in the first place was to make more money. But eventually balancing school and work became untenable, and he was let go from his job as a transporter at Prisma Health due to scheduling conflicts.
Though he works part time at a senior living facility on the weekends, that job doesn’t pay enough to cover his rent and so he fell short in August and September. He applied for help through Richland County’s Emergency Rental Assistance Program but was still waiting to hear back when he found an eviction notice taped to his door a few weeks ago.
“I guess I was kind of expecting it, but I wasn’t expecting it so soon,” he said.
When Judge Newsom asked how he planned to come up with the $1,480.70, Wilson assured him that he had been accepted into the program, his rental assistance check was on the way and he had a job lined up for after graduation.
“We try to help our tenants out when we can,” his landlord, Will Fowler, said.
The judge granted Wilson twelve days to pay off the debt.
Wilson was thankful for the second chance, but knew there was no guarantee that the rent assistance would arrive in time. Without that check, he’d have no choice but to move.
But Wilson was trying not to focus on that. Instead his mind was on his graduation. If all goes as planned, he will earn his Practical Nursing Diploma from ECPI University. From there he hopes to get an associate degree and become a Registered Nurse.
“At this point, all I can do is wait,” he said.
“You can raise your left hand since you clearly can’t raise your right.” Judge Newsom told Lisa Belton.
When she appeared before him that Wednesday she was recovering from a recent surgery and had her right arm in a sling. The more than $3,000 she paid in medical bills caused her to be late on rent in September.
Belton and her landlord, Cornie J. Davis, had a tense relationship. She told the judge he skimped on necessary repairs. He claimed she never had the rent on time.
Still whenever she had been late in the past, she said he was usually lenient so long as she paid a penalty. This time was different.
“I’m fed up,” Davis told the judge. “I try to be nice but every time I’m nice people walk all over me.”
Belton and her husband had been searching for a new place to live for the past year but had come up empty-handed. Now they would have to scramble at the last minute to find something.
“It just feels like bad luck, bad timing,” she said. While she watched friends and family struggle to get through 2020, she had been able to hold on to her job and tough it out. “Now after all that things are falling apart just as we were getting ready to go.”
The judge gave her until Nov. 3 to move out. Now she said she has to figure out how to pack up her whole house with just one arm.
Eight months. That’s how long it’s been since Lisa Holmes has paid her rent in full.
The problem started in February when she was switched from a sales position at her company to a different job. The money she made from commissions usually helped her get over the hump each month.
Short on cash, she tried to find ways to cut back but realized no matter how many pennies she pinched, she wasn’t going to make rent.
Then, she stumbled on what she thought would be her saving grace: the Center for Disease Control’s eviction moratorium.
“I just signed this form and submitted it to my landlord and it halted any evictions.” she said.
She hoped the moratorium would buy her some time to get switched back to her old sales job. But as the months went by, nothing changed at work and the bills continued to pile up. By April, she was fired for taking too many sick days.
Then in August the moment she had been dreading finally arrived. The U.S. Supreme Court overturned the eviction moratorium for good. Within a matter of months she received the eviction notice that she thought she’d be able to avoid. By that point she owed more than $8,300.
The judge explained that she had until Nov. 3 to pay off her debt and until Nov. 5 to pay $1,200 for that month’s rent.
Though she applied for Richland County’s Emergency Rental Assistance Program in August, she is still waiting to get approved.
Holmes said she knows she won’t have the money in time, but she’s hoping that if she can at least show her landlord a letter of approval from the rent assistance program, then he’ll agree to work with her.
“COVID was already stressful enough as it was but this just added a whole other layer on to it,” she said
When Heather Griffith received the notice stating that her lease would not be renewed and she had until the end of the month to leave, she couldn’t believe it.
She and her 14-year-old son had lived at the same mobile home park for the past 9 years. At $400 a month, it was the only two-bedroom she could afford.
Though she’d been threatened with eviction several times before for missing rent, “we were always able to work something out,” she said. “We never even made it to court before.”
She was confident it would be the same this time. But as the hearing drew closer, reality began to sink in.
When she finally appeared before the judge, Griffith didn’t know what to expect.
“Can you tell me why you haven’t moved even though your lease is up?” he asked.
Griffith told him she had nowhere to go and thought she could fight the decision in court. Her voice began to trail off as she choked back tears.
“Unfortunately the law doesn’t support you doing that.” Judge Newsom said, noting that her landlord could actually sue her for damages. “I have to issue the writ, I have no choice.”
He gave her until Nov. 3 to move.
Heather wasn’t sentimental about leaving the mobile home park. She had dreamed of getting out of there for years. But with poor credit and an eviction on her record, she knew finding a new place in a week would be close to impossible.
“I just feel like a failure,” she said.
Editor’s Note: The State reached out to Richland County to ask about Wilson and Holmes’ rent assistance applications. A spokesperson said the county could not discuss individual cases, but that it typically takes four to six weeks for an application to be approved, and another 21 working days for the payment to be made. The county said other factors can result in delays for approval or payment.
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
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