With 30 years in the industry

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

My name is Dan Crance - Easley'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 Easley, 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 Easley, SC
 Refinance Easley, SC

Why Choose Dan Crance As Your Mortgage Lender in Easley, 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.

Ask Dan Anything843-478-5612
 Conventional Mortgage Easley, SC

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

 FHA Mortgages Easley, 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.
Ask Dan Anything843-478-5612

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 Easley, SC.

Refinancing in
Easley, 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 Easley, 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 Easley, 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 Easley, 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 Easley, 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 Easley 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 Easley, SC

Trust Dan Crance

Your Mortgage Lender in Easley, 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 Easley loves Classic Home Mortgage.

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Latest News in Easley, SC

Native American Celebration

This post was contributed by a community member. The views expressed here are the author's own.Easley|Local EventHagood Mill Historic Site, NeighborSat, Nov 16, 2024 at 10:00 AMHagood Mill Historic Site, 138 Hagood Mill Rd, Pickens, SC, 29671...

This post was contributed by a community member. The views expressed here are the author's own.

Easley|Local Event

Hagood Mill Historic Site, Neighbor

Sat, Nov 16, 2024 at 10:00 AM
Hagood Mill Historic Site, 138 Hagood Mill Rd, Pickens, SC, 29671

Every November the Hagood Mill Historic Site observes Native American Heritage Month by holding the Native American Celebration. This beloved third weekend event is also called Selugadu. Selugadu translates into cornbread (Selu, meaning corn and gadu, meaning bread) in the Tsalagi Gawonihisdi (Cherokee) language. This celebration of cornbread is a Harvest Festival. November is the time of year when Native Americans reaped the harvest of corn. Across the Americas the first people developed over 250 varieties of corn. Corn was an essential crop in Native American life and came to be in colonial life as well.

The Native American Celebration at the Hagood Mill Historic Site will give thanks to, and honor the first people of these lands, for the food traditions and customs that have influenced southern Appalachian life for hundreds of years. On Saturday, November 16th many people from various tribal groups will come together to share the customs and traditions that have been practiced since ancient times and continue through present day at the picturesque Hagood Mill Historic Site in Pickens, SC.

Saturday’s event kicks off at 10 am and runs until 4 pm. The typical third Saturday activities, including the operation of the 1845 Hagood Grist Mill, living history demonstrations and a cherry-picked group of vendors will be taking place. Visitors and guest performers will participate in the festivities of the day which will include Native American traditional drumming, singing, dancing, flute playing, storytelling, Cherokee hymns in the Tsalagi Gawonihisdi language, and traditional crafts and demonstrations. Performers include storyteller and basket maker Nancy Basket, from Walhalla, SC; the Catawba Nation Drums; Keepers of the Word; Paul Snowcloud, flute player; Michael Hartje, flint knapping demonstrator, Sonny Ledford, Cultural Ambassador for the Eastern Band of Cherokee, and many more.

While on site check out “Our Native Roots: An Interpretive Trail”. The interpretive trail takes visitors along the Old Indian Path, which is an ancient trading path that took the Native Americans from the Mississippi coast and traveled up through the Eastern Continental Divide to Virginia. The interpretive trail features a dugout canoe demonstration which uses fire as a tool along with stone chisels to burn and shape a tree into a useful floating vessel, a river cane restoration area, a sacred fire circle for all to experience on this special day, a medicine wheel garden, a corn garden, a mortar and pestle for grinding corn, a prehistoric stone mortar, an archaeology adventure for kids, the Paul West artifact collection, and the petroglyphs that were made in prehistoric times. All these things and more will be on display during this year’s Native American Celebration.

Make a weekend of the event and reserve your camping space as well!

Primitive camping will be available Friday and Saturday nights-- $10/person for the weekend. Limit 6 people per site. Car and RV spaces are limited, so register online soon. Folks with loud generators will be asked not to use them during special events.

Visit our website for full event details and to access the ticket portal:

www.visithagoodmill.com.

The Hagood Mill Historic Site would like to thank Title Sponsor, Jan-Pro of the Western Carolinas, Silver Sponsor, AnMed Cannon, Bronze Sponsor, Blue Ridge Electric Cooperative, Pickens County, and the members of the Friends of the Mill for their financial support of this program.

This project is funded in part by the South Carolina Arts Commission which receives support from the National Endowment for the Arts.

This project is funded in part by SC Humanities, a state program of the National Endowment for the Humanities.

The 2024 Upstate Holiday Light Show at District Park Has Over 32 Million Lights!

Looking for a professional Christmas Light display you can drive through? For 2024, the Upstate Holiday Light Show will be a spectacular display of lights throughout District Park. Plus, there is an indoor petting zoo you can visit before you leave. Check out why this light show is one of the best in the Upstate! Our contributors were provided with tickets in order to facilitate this review. For more choices of Holiday Lights see our ...

Looking for a professional Christmas Light display you can drive through? For 2024, the Upstate Holiday Light Show will be a spectacular display of lights throughout District Park. Plus, there is an indoor petting zoo you can visit before you leave. Check out why this light show is one of the best in the Upstate!

Our contributors were provided with tickets in order to facilitate this review.

For more choices of Holiday Lights see our Guide to Holiday Lights Near Greenville

Visiting the Upstate Holiday Light Show at District Park

In 2023, the Upstate Holiday Light Show moved to its new location at District Park. Though the light show is no longer at the Greenville Pickens Speedway, the location at District Park in Easley will bring the same spectacular experience that your family will love.

You’ll want to tune your radio to the correct FM station for the accompanying holiday music because the show is synchronized. The lights dance to an ongoing playlist of classic and new Christmas carols. The radio station to tune into is 106.5 FM. The song list includes lots of classics, including “Deck the Halls”, ” Carol of the Bells” and “Rockin’ Around the Christmas Tree” along with a variety of other Christmas and holiday-themed songs.

Admission is based on vehicle type/capacity, not the number of passengers. So going on your own is the same as a minivan full of kids. Large passenger vans and buses are extra. Carpooling is encouraged to save on costs per person. You can buy tickets in advance.

After you enter the park, you’ll be asked to turn off your headlights. You’ll pass by many static and animated light displays before coming to the light tunnel, which is a real treat! You’ll want to go through this part slowly, so you can catch some of the fun changes.

This show is great but momentarily dims or explodes in brightness depending on the dramatics of the music. The sheer variety of colors and movement was astonishing. Resist thinking it’s not impressive if you just saw a few low lights in passing. The full brilliance of this display is only seen if watched for at least one or two songs, if not the whole playlist, which lasts about 30 minutes. You’ll want to squeeze it into your holiday plans. It was a great way for my family to kick off the season.

After you leave the light tunnel, you’ll come across a humongous light display board that is really fun watching synch up to the music. You’ll then head around the corner and find the open field that has several large trees, and a couple of trees that like to chat to each other (you’ll see what I mean), all set to the backdrop of the display board. This is where you can drive around the circle as many times as you want.

The radio music synchs up perfectly, and we drove slowly around the track four times before exiting off and pulling into the parking spots that let you watch while parked. This was our favorite part of the entire show! My young daughters loved watching the two trees that talked to each other, which was silly and had us giggling.

Upstate Holiday Lights Show also has a Winter Wonderland you can visit toward the end of the light show. The wonderland has small carnival rides and a petting zoo, with animals like mini horses, cows, ducks, rabbits, and donkeys. There is also a poney corral your kids can enjoy.

The best part was the open space where you could walk in to meet the goats. The goats were hilarious and very friendly, though I do recommend holding younger kids so they do not get bombarded. They also may nibble on your clothes, so be gentle when you move them away.

The Winter Wonderland is included in the ticket price, and you can interact with the animals for free, or pay $5 at the light show entrance for a bag of feed. The carnival rides range between 3 and 4 tickets, and you can purchase 20 tickets for $20.

Admission Fees to Upstate Holiday Light Show 2024

Cars, Minivans, Trucks, & SUVs – $35Vans (up to 20 people) – $75Buses (20+ people) – $100FastPass – starts at $80, but varies depending on your FastPass time (Early Bird, Prime Time, or Night Owl) and vehicle type (only available Friday – Sunday). See the website site for detailed pricing.

Plan Your Trip to See the Show

148 Crumpton LaneEasley, SC 29640864.295.5764District Park The Upstate Holiday Light Show WebsiteOpens on Thanksgiving through December 31, 2024Hours are Sunday – Thursday 6- 10 pm and Friday – Saturday 6 – 11 pm. Open Rain or Shine.

Has your family ever seen the Upstate Holiday Light Show?

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