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.
Like most people, when I go on vacation with my family, I like to take a break from work. Hence, why there aren’t in-depth posts here on the blog about most of our travels. When we’re away, I don’t want the pressure of recording all the details or feeling like I need to check out certain things to report back; on vacation, I generally like to go with the flow and relax. I’ve written about some of our shorter closer-to-home tr...
Like most people, when I go on vacation with my family, I like to take a break from work. Hence, why there aren’t in-depth posts here on the blog about most of our travels. When we’re away, I don’t want the pressure of recording all the details or feeling like I need to check out certain things to report back; on vacation, I generally like to go with the flow and relax. I’ve written about some of our shorter closer-to-home trips, but the bigger ones I usually just share through Instagram posts (if interested, check out Idaho, Asheville, Mexico, Croatia, Barcelona, Maine, Vermont, California, Nicaragua).
This is my rambling way of explaining why this post about our Spring Break trip to South Carolina — specifically Folly Beach and Charleston — is mostly scenes and quick tips, less of a thorough guide. But sometimes, that’s all you need — inspo for a destination, a starting point for planning, and a few ideas for activities.
So, the quick gist of our trip: We spent three nights in Folly Beach, three nights in Charleston (and one in NC on the way down to break up the eight-hour drive). At the last minute, my friend Margaret and her family decided to meet us there, so we spent a lot of time with them (though stayed in separate places since we’d already booked when they decided to join). Our crews always have a great time together and similar traveling sensibilities (very important when traveling with others). She also posted about the trip in her Designer’s Guide to Charleston SC (she’s an architecture and interior design extraordinaire), which includes details that this post doesn’t, so be sure to check it out for even more travel inspiration!
This actually wasn’t our first Spring Break getaway to the area, though last time we stayed in Charleston and Isle of Palms. During that trip, we took a drive south to Folly and decided that next time we would stay there. Both are great in their own ways, but Folly has a more laid-back surf vibe and more of a town, plus there is excellent fossil hunting! We found a rental through Airbnb that was perfect — just the right size for our family, an easy walk to the beach, and surrounded by leafy trees.
Part of the reason we went to SC for Spring Break was better chances for warmer temps than more northern beaches, and that was a good call, because the weather was fantastic. Sunny and high 70s made for very pleasant days on the beach, and the water wasn’t too cold for swimming.
We ate most of our meals out, but had breakfast and snacks at the house. There are a bunch of good restaurants and places to get a bite in town, most of them casual and fun, our favorite easily Chico Feo, with delicious tacos, sandwiches, bowls, and drinks. For snacks and stuff at the house, Bert’s Market had everything we needed and then some. It’s not a huge grocery store, but they also have take out sandwiches and other freshly made fare, plus it’s open 24 hours. And non-food related, but I must mention the great massage I had at Folly Beach Medispa.
Before we headed to Charleston after we left our digs in Folly, we went to see Morris Island Lighthouse. You can’t actually go in or even get up close to it, but we walked to a small beach to get a view. However, the path leading to the beach may have been the highlight, the stretch of asphalt covered with colorful graffiti. The walk should have been quick, but we kept stopping to check out the art beneath our feet.
Okay, I’ll be straight up: This part of our trip was really a lot of eating and drinking and walking around. We’d been to the city before and had done a lot of touristy stuff — Fort Sumter and tours of historic places, etc. — and we didn’t feel the need to repeat them. So, besides the guys taking a water taxi to the Patriots Point Naval and Maritime Museum (while Margaret, Sasha, and I shopped on King Street), we really mostly ate, drank, strolled, and just enjoyed hanging out with everyone. Here’s a recap of that in pictures.
Have you been to Folly Beach or Charleston? What are some of your favorite things to do and places to go there?
FOLLY BEACH, S.C. (WCIV) — This weekend saw two separate incidents where first responders from several agencies were called to Lowcount...
FOLLY BEACH, S.C. (WCIV) — This weekend saw two separate incidents where first responders from several agencies were called to Lowcountry beaches to help distressed swimmers.
The first happened on Folly Beach following calls that a white male in his 30s was struggling to stay afloat near the pier around 3 p.m. Sunday.
“They were watching what they described as a subject’s head bobbing up and down and then going down lower and then it disappeared under the surface,” said Rocky Burke, Deputy Director of Folly Beach Public Safety.
Crews from Folly Beach Public Safety, South Carolina Department of Natural Resources, the Coast Guard and the City of Charleston searched for roughly three hours before calling off the search just before 6 p.m.
“Right now there are no plans to resume the search until new information, or if new information comes,” Burke said. “If we get a report about a missing subject or something, when they were last going to Folly Beach or swimming in the surf, we get a call. We haven’t received any calls like that.”
As the search on Folly came to a close, another incident was unfolding.
Chief Craig Oliverius of the Isle of Palms Fire Department said Sunday evening, crews found one adult and two juveniles had been rescued before they arrived to the area near 21st Street on the Isle of Palms.
Two were taken to the hospital for further evaluation.
“We had an off-duty NWS employee that was on the beach on Isle of Palms and he saw the distressed swimmers being pulled out to sea which he realized was from a rip current,” said Meteorologist Emily McGraw of the National Weather Service.
McGraw said rip currents can occur on any day, anywhere along the shoreline.
“A rip current is a narrow channel of water that’s moving away from shore so it can extend from the shoreline back past the breaking waves,” McGraw said. “It can take even experienced swimmers out to sea.”
McGraw and her colleagues issue a beach forecast daily during the spring and summer months, alerting beachgoers whenever there is an enhanced risk of rip currents. The forecasts can be found on the NWS Charleston, SC Twitter page.
She said those are days swimmers need to be extra cautious.
But if you find yourself in a caught in a rip current?
“Stay calm and don’t panic,” McGraw said. “You want to float out, let it take you away, and then you can try to wave your hands up in the air to call for help. And then when it’s safe to do so, you can swim parallel to shore.”
McGraw and Burke said there are ways swimmers can stay safe before they even arrive to the beach.
They recommend going to the beach with a friend, never swimming alone, and letting someone know where you plan to be.
The largest settlement on Folly Island, a barrier island in South Carolina's Charleston County, the public city of Folly Beach, is a popular surfing and seaside hotspot situated about 18 km south of Charleston. With a total area of 48.9 square km and a modestly small population of just over 2,000, Folly Beach is an exciting be...
The largest settlement on Folly Island, a barrier island in South Carolina's Charleston County, the public city of Folly Beach, is a popular surfing and seaside hotspot situated about 18 km south of Charleston. With a total area of 48.9 square km and a modestly small population of just over 2,000, Folly Beach is an exciting beach community with plenty of memories ready to be made.
Winters in Folly Beach are short and cool, while summers are often oppressively hot; from May to September, the average daily temperatures reach 29°C, with July as the hottest month and highs of 32°C. Winters typically lasts from December to March, and the temperature climbs no higher than 17°C on average. January is considered the coldest month, with lows of 6°C. The wet season typically lasts from June to September, with a 35% chance of rainfall on any given day. Statistically, August is the wettest month, with an average of 15 days out of 31 with at least 1mm of precipitation, while November is the driest, with only six days on average recording any rain. Due to its coastal location on the Atlantic Ocean, Folly Beach and Island often face the effects of tropical storms and hurricanes; amongst the notable storms to hit the area was Hurricane Hugo in 1989, which destroyed up to 80% of the settlement.
From the Old English word "Folly," an area with undergrowth and densely packed forestation, the history of Folly Island date back to the 17th century. In 1696, the British Monarch William III endowed the area to a settler named William Rivers. Throughout the years, ownership of the Island and its eventual largest settlement, Folly Beach, passed to several different proprietors. While it was officially a British and later American possession following the Revolutionary War (1775-1783), the indigenous Bohicket Tribe continued to populate the area, often with an uneasy relationship with the European colonizers. Because of its location on South Carolina's Atlantic coast, in the 18th and 19th centuries, numerous shipwreck survivors found themselves temporarily lodged in the town and Island. Among these were passengers of the Amelia in 1832. But Folly Beach and Island began its actual industrialization during the American Civil War when Federal Troops were stationed there. Supply depots, forts, roads, and other strategic posts were constructed during this period, and the beach city and its surrounding foliage served as an essential site in the battle to retake Fort Sumter. Following the Civil War, and as part of the Federal Government's social and economic program of Reconstruction, Folly Beach and Island grew as a seaside retreat area; through the rest of the 19th century and into the 20th century. Several cottages, boardwalks, piers, small businesses, and even amusement park rides began to fill the area. Music-halls and clubs grew rapidly, particularly in the immediate post World War II period, and big bands like Glenn Miller's entertained residents and tourists alike. Folly Beach is furthermore forever tied to a classic of modern American music and composer, George Gershwin. While vacationing on the Island and Beach in the summer of 1934, the composer and pianist completed his famed opera Porgy and Bess, which is set in the South Carolina town of Charleston.
Referred by locals as "The Edge of America," Folly Beach houses numerous surfing spots, which see hundreds of enthusiasts descend into town; amongst the most popular of these spots are Washout, Folly Beach Pier, and 10th Street. Along with these sites, tourists and surfers can find great waves on the water and even better hospitality on land. An eclectic range of restaurants, gift shops, bars, and offices color the town's scenery, while such landmarks as the Atlantic Pavilion and Oceanfront Hotel provide comfortable lodging and entertainment. A glimpse of the North Atlantic right whales can occasionally be seen during their respective migration seasons. These enormous creatures migrate along the coast of Folly Island, often leaving whale watchers with a spectacular exhibition of nature in all its wonder.
Just off the coast of Folly Beach, visitors can also marvel at a human wonder and the famed Morris Island Lighthouse. First constructed in 1872, the Lighthouse is noted for its slight lean, directly resulting from an earthquake in 1886.
The historically-minded tourist will surely love to take a 30-minute drive and visit Fort Sumter, the site of the attack that began the Civil War in 1861. This living museum is an eternal reminder of the tremendous toll the Civil War took on American society and its enduring presence in political and popular culture.
These and a plethora of other local museums and parks round out any visit to Folly Beach and Island; whether it is to enjoy the beach life and surfing, take in some great live music performances, or step into a bit of American history, any stopover at this unique Island and City will be one to surely write about.
FOLLY BEACH, S.C. (WCBD)- Tired after a long day of sun, surf, and sand? Talk a walk down Center Street and pop into a popular local restaurant for a quick bite and refreshing beverage.We compiled a list of the most popular eateries on Folly Beach. In order to qualify, the restaurant must have at least 50 reviews.Here are the top 10 highest-rated establishments, according to Yelp:Jack of Cups Saloon, which serves mainly Hungarian-Czech-inspired dishes, comes highly recommended by Yelp reviewers. Customers describe the am...
FOLLY BEACH, S.C. (WCBD)- Tired after a long day of sun, surf, and sand? Talk a walk down Center Street and pop into a popular local restaurant for a quick bite and refreshing beverage.
We compiled a list of the most popular eateries on Folly Beach. In order to qualify, the restaurant must have at least 50 reviews.
Here are the top 10 highest-rated establishments, according to Yelp:
Jack of Cups Saloon, which serves mainly Hungarian-Czech-inspired dishes, comes highly recommended by Yelp reviewers. Customers describe the ambiance as “quirky” and “quiet and removed from the Folly craziness/hustle and bustle.”
Popular Dishes: Halupki, Pierogi Lasagna, and Hungarian Lentil Dip Location: 34 Center St. Rating: Five stars out of 404 reviews
Four-legged friends are always welcome at this small, local hot spot on Folly Beach. Because this cafe is so popular, you can expect it to be pretty crowded on the weekends. What could be better than breakfast all day?! “Worth the drive!” as one Yelp reviewer said.
Popular Dishes: Huevos Rancheros, French Toast, Folly BenedictLocation: 106 W Huron St.Rating: Four and a half stars out of 874 reviews
Fair warning: Yelp reviewers say the place can get crowded and it’s “a bit confusing figuring out how to order.” But, if you do figure out how to order you won’t be disappointed as the tacos have been described as “next level.” Plus, it’s open late so consider it a must-stop on the way home from the Folly Beach bars!
Popular Dishes: Chicken Tacos, Mahi Tacos, Bun ChaLocation: 122 E Ashley AveRating: Four and a half stars of out 270 reviews
“Best food and best prices on the island,” wrote one Yelp user. The Drop In is known for its deli favorites and specialty sandwiches which are perfect to pack in your beach bag or scarf down after a long day in the sun.
Popular Items: Little Havana Sandwich, Pasta Salad, the War Pig Location: 32-B Center St. Rating: Four and a half stars out of 73 reviews
While visitors praise the menu variety and “beachy vibes” at Rita’s, what really shines is the staff. One Yelp user said it best: “They made a Painkiller specifically for my grandmother even though it wasn’t on the menu! Now that’s service!”
Popular Items: Fish & Shrimp Tacos, Pulled Pork Sandwich, Grouper SandwichLocation: 2 Center St. Rating: Four stars out of 920 reviews
“Classic American Irish styled pub. They poured the Guinness correctly and the atmosphere is just right,” one Yelp reviewer wrote. Need we say more?
Popular Items: Fish and Chips, Frozen Irish Coffee, Irish Tater Tots Location: 11 Center St. Rating: Four stars out of 216 reviews
Reviewers love Loggerhead’s proximity to the beach and weekday happy hour specials. “What more could one ask for in a beachside restaurant?” one reviewer asked. “If your answer is a friendly staff, live music, and a place that supports local causes, then Loggerhead’s Beach Grill is the joint you’re gonna want to hit up when on Folly Beach!” You can even listen to live music while you stare out over the Atlantic Ocean.
Popular Items: Conch Fritters, Onion Rings, Lowcountry Alfredo Location: 123 W. Ashley AveRating: Four stars out of 363 reviews
Affectionately nicknamed LOLO may not be right on the main strip of Folly Beach, but according to Yelp reviewers, it is a “must stop.” If you’re hoping to avoid the lines on Center St, try LOLO. One Yelp user even said it has “best she-crab soup in all of South Carolina,” but we’ll let you be the judge of that!
Popular Items: She Crab Soup, Shrimp Burger, Fried/Grilled ScallopsLocation: 2293 Folly RoadRating: Four stars out of 87 reviews
Bowen’s Island is a can’t miss spot when visiting Folly Beach. It’s a little off the beaten path (meaning you’ll have to drive down a dirt road to get there), but once you arrive you’ll be met with delicious seafood and spectacular views. You have to order at the counter before sitting, so prepare to wait in long lines. It’s no wonder Yelp users call Bowen’s Island “a truly amazing local dining experience” and “THE REAL THING.”
Popular Items: Fried/Grilled Shrimp Platter, Steamed Oysters, Frogmore Stew Location: 1870 Bowens Island Rd Rating: Four stars out of 562 reviews
Pizza and the beach may not seem like the most classic combination, but Yelp users believe Woody’s is up to the task. The slices are pretty large, so you may be headed home with leftovers. Quick tip: Woody’s only delivers on the island!
Popular Items: the Woody, Homemade. Ranch. Dipping. Sauce.Location: 39 Center St.Rating: Four stars out of 178 reviews
FOLLY BEACH, S.C. (WCSC) - High tides at Folly Beach that led to flooding and erosion this past weekend reached eight and a half feet, Folly Beach Officials said.Photos taken on Wednesday show the waterline up against the dunes. The dunes along the beach were put in place to protect the seawater from rushing further inland, Folly Beach Coastal Consultant Dr. Nicole Elko said.Rising sea levels and climate change are to blame for the tidal flooding, Elko said.“We are experiencing bigger spring tides – that&rsqu...
FOLLY BEACH, S.C. (WCSC) - High tides at Folly Beach that led to flooding and erosion this past weekend reached eight and a half feet, Folly Beach Officials said.
Photos taken on Wednesday show the waterline up against the dunes. The dunes along the beach were put in place to protect the seawater from rushing further inland, Folly Beach Coastal Consultant Dr. Nicole Elko said.
Rising sea levels and climate change are to blame for the tidal flooding, Elko said.
“We are experiencing bigger spring tides – that’s what they used to be known as,” Elko said. “Nowadays, people call them king tides, so these are our larger tides that occur during the new moon, particularly during this time of year.”
For every dollar spent on beach restoration, six dollars get put back into South Carolina’s economy because of increased visits to the state’s beaches and parks, officials said.
South Carolina’s accommodation taxes help fund beach restoration efforts, officials said.
“The past weekend’s flooding event was very impactful to the beach and dune system,” Elko said. “The higher waters drove large waves over and flooded the entire beach system, and the dunes were also overtopped.”
Elko added that the dunes helped retain the encroaching water that threatened the nearby marshland and inland communities.
“Previous dune and beach restoration projects have increased the elevation of the beaches and dunes on places like Folly Beach,” Elko said. “So while the dunes are eroded and while the beach went underwater during the storm, we didn’t have those waves and flooding impacting the infrastructure, so these natural projects actually are protecting and serving as flood mitigation.”
As the sun started to set and the tide receded, the extent of the erosion on Folly Beach came into view.
The roots of trees, previously battling waves, were visible, and the wounds created by Mother Nature have scarred the shoreline.
Cale Shipman calls West Ashley home during the winter.
“I feel lucky to be able to spend my winters here, and [flooding] is a big issue for all of these coastal areas, whether it be Charleston or anywhere along the coast,” Shipman said.
Shipman and his wife Marcia spent Wednesday on Folly Beach admiring the waves and discovering what was left behind after the tides rolled in.
“I think these king tides that we’re experiencing this week are unusual in the fact that they’ve had so many of them in a row,” Shipman said.
While the systems in place on the beach held up, those who ventured out on Wednesday witnessed Mother Nature’s power.
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