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.

After hours by appointment only. CONTACT DAN

Latest News in Easley, SC

Easley Church helping families after Helene devastation

EASLEY, S.C (WSPA) – Several churches and schools have come together to provide resources for the community following the devastation of Helene.When disaster strikes, the Easley community said all hands are on deck to restore the area back to its former glory.“We hadn’t had anybody come to help us until 5 Point showed up,” said Victoria Nazarian-Akins.Nazarian-Akins said the roots from the tree in the front yard lifted her house a few inches off the ground, during Friday’s storm.&ldqu...

EASLEY, S.C (WSPA) – Several churches and schools have come together to provide resources for the community following the devastation of Helene.

When disaster strikes, the Easley community said all hands are on deck to restore the area back to its former glory.

“We hadn’t had anybody come to help us until 5 Point showed up,” said Victoria Nazarian-Akins.

Nazarian-Akins said the roots from the tree in the front yard lifted her house a few inches off the ground, during Friday’s storm.

“We’re here. God is good. We don’t have power. We haven’t had power for six days,” said Nazarian-Akins.

Like most churches in the area, 5 Point said their desire is to help those in need.

“Blue Ridge and Duke Energy have been really good at communicating so we know the areas in our city that don’t have power and we just went off of the map that they’ve been giving us,” said Lawson Clary, 5 Point Church Executive Pastor.

This week, Five Point Church has grilled more than a thousand hotdogs, packed several sacked lunches, and removed downed trees from neighborhoods.

“When they showed up and asked if they wanted to help, I was so grateful because we have had nobody come help,” said Nazarian-Akins. “We’ve had people come in and say, ‘We’ll cut your trees down for $5,000,’ but we don’t have that.”

Five Point said their work doesn’t stop in Pickens County.

They’re accepting donations of non-perishable food items, water, toiletries and diapers to send to families in Western North Carolina.

“We’ve got a connection up there in Candler, North Carolina, where we’re going to drop it. They’re going to helicopter it into some of the remote places that don’t have anything right now,” said Clary. “I think that’s what makes it so rewarding is knowing that we’re just all in this together and the cool part of it is there’s so many churches and other organizations that are doing a great part as well in it and to see all the community come together just fills my heart with joy and it allows me to understand, even in a bad situation, so many good things can happen.”

5 Point Church is accepting donations of resources all week long.

Major Hurricane Milton Continuing to Intensify

Major Hurricane Milton Continuing to IntensifyMajor Hurricane Milton continues to strengthen as the storm remains over the warm waters of the Gulf of Mexico. Milton will pose a significant threat to life and property across parts Florida as it could make landfall as a major hurricane late Wednesday or early Thursday.As of 7 p.m. CDT, Major Hurricane Milton was located near latitude 21.9 N, longitude 90.4 W, or about 60 miles northwest of Progreso, Mexico, and 650 miles southwest of Tampa, Fla. Milton is traveling east at 10 mph...

Major Hurricane Milton Continuing to Intensify

Major Hurricane Milton continues to strengthen as the storm remains over the warm waters of the Gulf of Mexico. Milton will pose a significant threat to life and property across parts Florida as it could make landfall as a major hurricane late Wednesday or early Thursday.

As of 7 p.m. CDT, Major Hurricane Milton was located near latitude 21.9 N, longitude 90.4 W, or about 60 miles northwest of Progreso, Mexico, and 650 miles southwest of Tampa, Fla. Milton is traveling east at 10 mph, with maximum sustained winds of 180 mph, making it a Category 5 hurricane on the Saffir-Simpson Hurricane Wind Scale. The storm also has a central pressure of 897 mb or 26.49 inches of mercury.

A Hurricane Warning has been issued for:

A Hurricane Watch is in effect for:

A Storm Surge Warning is in place for:

A Storm Surge Watch is in place for:

A Tropical Storm Warning is in effect for:

A Tropical Storm Watch is in effect for:

With plenty of warm Gulf water ahead of it, the storm is expected to continue to strengthen as it moves east or east-southeast through Tuesday morning. This path would put the center of Milton just off the coast of the Yucatan Peninsula. From there, Milton will gradually weaken for the rest of Tuesday up until landfall on Wednesday evening. This is due to the storm undergoing an eyewall replacement as well as encountering drier air and strong winds along a cold front. The cold front will also cause Milton to make a turn to the northeast towards the Florida Peninsula, and its forward speed will also accelerate.

Milton will most likely make landfall on Wednesday evening over or very close to the Tampa metro area. The most likely scenario would also be for Milton to be a low to mid-end Category 3 hurricane at landfall, with only a slight chance for it to weaken further to a Category 2 storm. From there, it will zip across Florida early Thursday morning and enter the Atlantic Ocean.

Regardless of the exact track and strength of Milton, it will bring extreme to catastrophic impacts to central Florida, especially along the west-central coast near Tampa.

The outer bands of Milton are expected to bring 2 to 4 inches of rain across portions of the northern Yucatan Peninsula and western Cuba. Through the rest of today, heavy rainfall streaming ahead of the storm may begin impacting parts of Florida between the I-4 and I-75 corridors, with more significant rainfall associated with the storm expected from Tuesday into Wednesday. By the time Milton passes, rain gauges could be up to 6 to 10 inches, with isolated totals up to 15 inches possible. This rainfall will likely lead to flash flooding, urban flooding, and moderate to major river flooding.

Storm surge will be dangerous, especially to the northeast of the center of Milton. The combination of a dangerous storm surge and the tide will cause normally dry areas near the coast to be flooded by rising waters moving inland from the shoreline. The water could reach the following heights above ground somewhere in the indicated areas if the peak surge occurs at the time of high tide:

Tropical storm-force winds (39-73 mph) will begin across western Florida starting late morning or afternoon on Wednesday and will spread southwest-to-northeast through Wednesday evening. Hurricane-force (>74 mph) will be found closer to the center of Milton where it makes landfall on Wednesday evening and very early Thursday morning. Winds will slowly ease for the rest of Thursday.

Residents along the Florida Gulf Coast, especially those in low-lying areas, should begin preparing for potential impacts from Milton, including heavy rainfall, life-threatening storm surge, and strong winds. Coming just two weeks after Hurricane Helene ravaged the Cedar Key-Tampa Bay region, be sure to not allow hurricane fatigue to prevent you from taking this system extremely seriously.

WeatherBug meteorologists will continue to monitor Hurricane Milton, so check for the latest information in your app.

What’s open? Grocery stores, restaurants, shops open in Upstate amid Hurricane Helene

Greenville News...

Greenville News

Editor's Note: An updated list is available here.

Hurricane Helene swept through the Upstate Thursday night into early Friday morning, knocking out power for many across the region. Below is a list of places that can provide essential supplies while people wait for power to return. Expect long lines; sometimes, it may be cash only.

Spartanburg County

Greenville County

Pickens County

Abbeville County

Anderson County

Cherokee County

Greenwood County

Oconee County

Union County

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