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 Folly Beach, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance – Folly Beach’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 Folly Beach, 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 Folly Beach, 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 Folly Beach, 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 Folly Beach, 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.
A humble South Carolina soul food restaurant was named one of the best places to eat in the nation.Hannibal’s Soul Kitchen in Charleston is among the top U.S. restaurants that The New York Times is “excited about right now.”Hannibal’s was the only South Carolina restaurant to make the list, whic...
A humble South Carolina soul food restaurant was named one of the best places to eat in the nation.
Hannibal’s Soul Kitchen in Charleston is among the top U.S. restaurants that The New York Times is “excited about right now.”
Hannibal’s was the only South Carolina restaurant to make the list, which the newspaper said was created after sending “critics, reporters and editors around the country to find the 50 most vibrant and delicious restaurants in 2021.” From coast to coast, eateries that serve up a variety of dishes received recognition.
“Some are classics, still great after decades,” The New York Times reported Tuesday. “Others are in their prime, restaurants at their practiced peaks. And still others are newcomers, intrepidly making their way through the roughest stretch the restaurant business is likely to endure.”
Restaurants have been hard hit during the coronavirus pandemic, with some forced to close and now having trouble finding adequate staffing.
Hannibal’s received a nod for its blue crab dish, with meat that’s “pan-fried so it’s crispy but still retains bits of soft flesh, piled generously over white rice.”
In addition to serving crab, the restaurant says its menu has other Gullah-style seafood and Geechee-style meat dishes and sides.
The Gullah Geechee are descendants of enslaved people first brought from Africa to work along the South Carolina coast in the 1700s. Many of their traditional dishes have spread across the region, including gumbo and shrimp and grits, according to the Discover South Carolina tourism website.
Similar to the restaurant’s namesake “Hannibal” Huger — whose name evokes the man remembered for leading an army that delivered the Romans a shocking defeat in the year 216 — the restaurant said it has overcome the odds to succeed.
“Hannibal’s Kitchen isn’t one of those fancy restaurants with an exquisite atmosphere and finery, but it serves some of the best soul food cuisine in the area,” the restaurant said on its website. “Owner L.J. Huger says the family owned & operated restaurant has ‘been feeding the soul of the city’ for more than 40 years because what the restaurant lacks in ambience, they more than make up for in taste.”
It’s not the first time a South Carolina restaurant has made a national list.
Halls Chophouse in Charleston, Jack of Cups Saloon in Folly Beach and Rainbow Donuts in York all made Yelp’s list of top 100 U.S. restaurants this year. For those rankings, the restaurant review website in February said it asked users about restaurants they couldn’t get enough of and evaluated the most popular spots.
This time around, other restaurants in the Carolinas that were named among The New York Times’ favorites were Chai Pani in Asheville and Kindred in Davidson, The Charlotte Observer reported.
Have you visited Folly Beach, SC? No matter what kind of beach trip you are looking for, you can find it on the barrier islands of Charleston, South Carolina. Folly Beach is your best bet for the perfect mix of relaxing beaches and spots to dine. Folly Island is 18 square miles of sand and sun, just 20 minutes from the tourist attractions of Charleston. Join us as we tour Folly Island and its beaches with Kidding Around’s Melanie – who spends a good bit of her time in the Low Country of South Carolina...
Have you visited Folly Beach, SC? No matter what kind of beach trip you are looking for, you can find it on the barrier islands of Charleston, South Carolina. Folly Beach is your best bet for the perfect mix of relaxing beaches and spots to dine. Folly Island is 18 square miles of sand and sun, just 20 minutes from the tourist attractions of Charleston.
Join us as we tour Folly Island and its beaches with Kidding Around’s Melanie – who spends a good bit of her time in the Low Country of South Carolina.
Take A Trip To Visit More Beaches That Are Located Not Far From The Upstate!
The beaches of the Low Country offer something for everyone when it comes to a beach trip. For a quiet, non-commercialized beach experience, Kiawah Island’s Beach Walker Park is my go-to option. However, if a tourist-heavy, commercialized expertise is what you seek, Isle Of Palms fits the bill.
If a sandy spot somewhere in the middle of both is what you want, then the beaches of Folly Island are perfect. They are family-friendly, quiet, and some access points have restrooms and showers for beachgoers to use.
This map contains Stay 22 affiliate links.
With six miles of shoreline, there’s no shortage of sand to spread out on when visiting Folly Beach. Finding beach access isn’t difficult, but depending on your family’s needs, one access might be more suitable than another.
Located on the southern tip of Folly Island, the county park offers families all of the amenities they might need including showers, restrooms, a seasonal concession stand, seasonal lifeguards, and chair rentals.
The parking fees range from $5-$10, depending on the season, and are $15 on summer holidays. Park gates are open from 8 am to sunset.
The Folly Beach Ocean Park is located at the end of West Arctic Avenue. It offers beachgoers restroom and shower facilities that are free and open to the public (currently only open during the summer.)
At the end of nearly every block on the island there is a beach access pathway. Some spots include parking if space permits, otherwise you can park streetside.
The further you drive away from the pier, the less the metered parking costs. By quite a bit. If you aren’t trying to be right next to the pier and center street, drive a few miles north to find cheaper meter rates. The parking meter fees can be paid through a kiosk, or with the Park Folly Beach app.
The centerpiece of Folly Island is currently undergoing a rebuild and is projected to re-open in the Spring of 2023. Right now the gift shop and amenities are open while the pier is built. Amenities at Folly Beach Pier include restrooms, showers, changing rooms, and wheelchair beach access.
The Pier 101 Restaurant is closed and is scheduled to re-open in the spring of 2022.
Swimming is permitted on the beach that flanks the sides of the pier, however, the undertow can become dangerous near the pier causing unsafe conditions. Also, when the pier reopens and fishing resumes, people will be throwing baited hooks off of that pier looking to catch “a big un”. I don’t know about you, but I would prefer not to be swimming near where people are reeling in jaws.
The parking fees range from $5-$10, depending on the season, and are $15 on summer holidays. Park gates are open from 9 am to 9 pm.
There are plenty of spots to choose from when it comes to meals on Folly Island. These are just a few of our favorites when we head out to spend the day on Folly Beach.
Taco BoyAmeri-mex style food with a kid’s menu, and a full bar. Great spot for nachos and margs after a day on the beach.
The perfect spot for breakfast or brunch, The Lost Dog has sandwiches, burgers, breakfast (all day), and more.
Saint James Gate Proper Irish Pub & Three Monkey’s Ice CreamThe menu here has a little bit of everything, including tacos. It’s kid & dog-friendly! Plus they have some delicious dessert options.
The Pineapple HutIf you spend any time on Folly Island, you are bound to see people walking down the street with a pineapple in their hands. This food truck is where it came from, filled with Dole Whip, or one of their weekly special flavors of soft-serve style ice cream. (March through October)
Hawaiian-inspired food, including spam sliders, and pupu platters! They also have burgers on the menu, a kids’ menu, and a full bar.
For More Information, Check Out The Kidding Around Travel Guide to Charleston, SC: Things to Do, Where to Stay, and Places to Eat
FOLLY BEACH, S.C. (WCIV) — Renting a spot on the beach is more popular than ever. Folly Beach may soon put a moratorium on short-term rentals.City council will consider a six-month moratorium on short-term rentals at its council meeting on Tuesday.The number of short-term rentals on Folly Beach has grown significantly in the last couple years.In 2011, when the city first started collecting data, there were 438 licensed short-term rentals. That number grew to 779 in 2017 and by September 2020, there were 1,019 licen...
FOLLY BEACH, S.C. (WCIV) — Renting a spot on the beach is more popular than ever. Folly Beach may soon put a moratorium on short-term rentals.
City council will consider a six-month moratorium on short-term rentals at its council meeting on Tuesday.
The number of short-term rentals on Folly Beach has grown significantly in the last couple years.
In 2011, when the city first started collecting data, there were 438 licensed short-term rentals. That number grew to 779 in 2017 and by September 2020, there were 1,019 licensed and approved short-term rentals.
The proposal would place a moratorium on new rental licenses. It would not apply to properties who were issued and approved in 2020.
City Administrator Aaron Pope said Folly’s short-term rental rules have not been amended since 2018 and do not reflect the current climate. He said the moratorium will put a pause on rentals and give the city time to study what changes need to be made.
Business is booming for those who rent. Gary Hart runs Folly’s Best Rentals.
“I know in our situation at Folly’s Best Rentals we often have more guests inquiring about properties than properties available and so that drives people to want to buy properties to rent them out and so Folly Beach is concerned about how that’s going to affect livability of the island and their ability to control it,” said Hart. “There are people here in town who own houses on Folly who rent them out as short term rentals but they still use their property a tremendous amount, so that’s just a battle Folly Beach is going to have to sort out, how are they going to handle it.”
The proposal allows homeowners to renew or transfer licenses to existing properties prior to the moratorium. Whatever decision council makes is still at least two weeks away. Council will hear the first reading of the proposal Tuesday. If it passes, council will hear the second and final reading the following Wednesday.
Hart said he sees both sides to the argument, the pros and the cons. He added rentals pay a 4% accommodation tax.
“The people who are going to have difficulty with it, they have in the past had people who had been renting their property in the past and didn’t follow the law and get a license. Those people will definitely be impacted,” Hart said. “There’s a lot of good in vacation rentals. There are some companies who do vacation rentals who don’t play by the rules and my personal opinion is those are the ones that they need to be addressing this with.”
JOHNS ISLAND — Harry Tatoian III was on his boat near Folly Beach on June 24 when his sail was suddenly ripped in half and his centerboard slid out from beneath the vessel.It left him stranded, panicked and afraid in the Atlantic Ocean about a mile offshore.Thankfully, the 46-year-old North Charleston man had a new radio given to him by his fiancee. He sent out a mayday call numerous times.The really bad news: He had just watched the 1975 horror film “Jaws” again and was starting to regret it. And even ...
JOHNS ISLAND — Harry Tatoian III was on his boat near Folly Beach on June 24 when his sail was suddenly ripped in half and his centerboard slid out from beneath the vessel.
It left him stranded, panicked and afraid in the Atlantic Ocean about a mile offshore.
Thankfully, the 46-year-old North Charleston man had a new radio given to him by his fiancee. He sent out a mayday call numerous times.
The really bad news: He had just watched the 1975 horror film “Jaws” again and was starting to regret it. And even though the Holy City has one of the busiest shipping ports in the Southeast, Tatoian was nervous at the lack of any vessels on the horizon.
But two hours later, a bright-orange Coast Guard helicopter zeroed in on the castaway, who was floating with his boat about a mile east of the Stono River Inlet. He was picked up and brought to safety.
A week passed, and on June 30 Tatoian was able to reunite with the crew that saved his life at the Coast Guard hangar on Johns Island.
“I was literally in tears and then very grateful,” Tatoian said. “When I saw them it was literally the grace of God. And when it was hovering over me, I just couldn’t believe it.”
U.S. Coast Guard Sector Charleston received uncorrelated mayday calls on June 24 over FM radio Channel 16 around 12:32 p.m. The crewmembers were able to establish a search area where the calls were coming from.
Two MH-65 Dolphin helicopters were called to respond. One of the aircrews was on the way back from Georgia and located the capsized sailboat.
Tatoian was using channel 16, the international distress frequency. But some boaters use it to test their radios or even for meaningless chatter, which added to the stress of locating someone in danger.
“Our helicopter is equipped with direction-finding equipment that allows us to locate the direction of a distress call very quickly,” said Lt. Cmdr. Jakob Wrieden, the aircraft commander for the rescue. “We were fortunate to hear two distress calls during the search and were able to hone in on the survivor.”
Wrieden advised: “We would like to remind all mariners to use Channel 16 for hailing and distress only. You never know who is relying on it.”
Joseph Florio, an aviation survival technician II with the Coast Guard, was lowered into the seas and swam to Tatoian to rescue him. Typically mayday calls are bad news, and very few people get found.
But Tatoian was a fighter.
“A lot of times we come up with new situations and, you know, we don’t really have the best results,” Florio said. “So, when I looked out the window and actually saw the sailboat there and him hanging onto it, we were excited that we’re able to find him and help.”
Florio grabbed Tatoian and was able to get him to the rescue line on the helicopter. Once they landed at the Charleston County Executive Airport on Johns Island, the 46-year-old was picked up by emergency services.
Tatoian shook the hands of all the people involved with his rescue, and was grateful to have them there when he needed them most.
His sailboat wreckage is deep in the waters near Kiawah Island. He’s not sure when he’ll be able to salvage it, but he’s not too worried about it.
“I lost my boat, but I didn’t lose my life,” Tatoian said.
FOLLY BEACH — A western tanager that is rarely seen east of Idaho has befriended a group of finches and found a new home on Folly Beach.Resident Nancy Young said the female bird has been nesting on her property for about two weeks, and she plans to track her visit for as long as she stays.Young, who is new to the Charleston area, said when she first moved to Folly Beach there were many birds around her property that she didn’t know how to identify. She started to pay closer attention to them and put up feeders aroun...
FOLLY BEACH — A western tanager that is rarely seen east of Idaho has befriended a group of finches and found a new home on Folly Beach.
Resident Nancy Young said the female bird has been nesting on her property for about two weeks, and she plans to track her visit for as long as she stays.
Young, who is new to the Charleston area, said when she first moved to Folly Beach there were many birds around her property that she didn’t know how to identify. She started to pay closer attention to them and put up feeders around the house.
Soon after, a new bird joined the group of house finches in her yard, and it stood out from the rest.
Young noticed this particular bird had distinct markings on her wings and back.
“Anytime I tried to get a closer look, she’d fly off, and then all of a sudden I’d get this eyeful of her gorgeous yellow belly,” Young said. “And then I’m thinking, ‘What in the world could that be?’ ”
It took about 10 days for Young to be able to take a picture of the bird and share it with online bird groups. Her hope was that someone would help her identify it. Some folks said it was a tanager, others thought it could be a Baltimore oriole.
But this particular bird in Young’s yard had a yellow beak, which isn’t a characteristic of a Baltimore oriole. The bird was ultimately determined to be a western tanager, a species belonging to the cardinal family.
These birds typically breed on the West Coast and migrate to parts of Central America and South America in the wintertime. But sometimes the weather throws them off course, said Nicole Marie Pettinelli, a local naturalist.
Pettinelli, who leads the Charleston Bird Club, said a handful of western tanagers are typically seen each winter in the Lowcountry. In the past, people reported them in West Ashley, Mount Pleasant and North Charleston. But, so far, Young’s bird is the only one to be reported this year, Pettinelli said.
Some western tanagers that make the trek to South Carolina end up returning to the state the year after.
“They have a positive experience and then they come back,” Pettinelli said. “They remember that, and so they come back. It’s usually a young bird, and so that’s embedded in their mind.”
Young said she has enjoyed watching the bird’s behavior and observing how she has gotten more comfortable around the feeders over time. She tends to be very “flighty” and travels to and from the property all day long. She normally gets to the feeder in the mornings before the house finches do.
When the bird first arrived, she ate suet. But now she is eating a lot more seeds, Young said.
Young said she believes these eating habits could be a good sign that the bird is planning to stick around.
eBird, an online birding community managed by the Cornell Lab of Ornithology, has asked Young to track the rare find while it is on her property.