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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 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.

Service Areas
Mortgage Broker Folly Beach, SC
 Refinance Folly Beach, SC

Why Choose Dan Crance As Your Mortgage Lender in Folly Beach, 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.

 Conventional Mortgage Folly Beach, SC

Home Financing in Folly Beach, 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 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.

 FHA Mortgages Folly Beach, 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.

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 Folly Beach, SC.

Refinancing in
Folly Beach, 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 Folly Beach, 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 Folly Beach, 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 Folly Beach, 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 Folly Beach, 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 Folly Beach 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 Folly Beach, SC

Trust Dan Crance

Your Mortgage Lender in Folly Beach, 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 Folly Beach loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

Latest News in Folly Beach, SC

February date set for Folly Beach residents to vote on short term rentals in special election

FOLLY BEACH, S.C. (WCSC) - A date has been set for Folly Beach residents to vote on whether or not the city will limit investment short term rental licenses.This comes after a citizen petition to cap short term rental licenses at 800 units, which represents about one third of the island.After verifying the signatures, the city decided not to outright adopt the petit...

FOLLY BEACH, S.C. (WCSC) - A date has been set for Folly Beach residents to vote on whether or not the city will limit investment short term rental licenses.

This comes after a citizen petition to cap short term rental licenses at 800 units, which represents about one third of the island.

After verifying the signatures, the city decided not to outright adopt the petition, but to put it to an island-wide vote.

Now residents are preparing to cast their ballots. The special election will be Feb. 7, 2023. The election is at-large and by majority. Permanent residents, or people whose primary address is on Folly Beach can vote. Voters must be registered by Jan. 8th to participate.

Ann Peets, a nearly decade long Folly resident, has been actively following the petition.

“Basically it’s every single-family homeowner with 4% tax status. Any condominium owner or any long-term renter whose primary residence is Folly Beach can vote,” Peets says.

The following precincts will be able to participate: Folly Beach 1, Folly Beach 2, James Island 1A, and James Island 1B. Polling will be from 7 a.m. to 7 p.m. at Baptist Fellowship Hall (61 West Indian Folly Beach) on the day of the election.

Peets signed the original petition for a cap and plans to vote in favor of the cap. She says it’s important that every resident is prepared to vote and knows how the petition will affect them and Folly as a whole.

“For any information or answers or frequently asked questions as you’re getting ready to vote, we encourage you to check the Folly Beach Residents Facebook page, where we post all the facts and frequently asked questions,” Peets says.

If you cannot vote in person on Feb. 7 in the special election, you can vote early or absentee. Early voting is from Jan. 23 – Feb. 3 of 2023. Early voting hours are 8:30 a.m. - 5 p.m., Monday through Friday at the Charleston County Board of Elections office (4367 Headquarters Rd. North Charleston, SC 29405). To learn how to absentee vote you can reach out to the Charleston County Board of Elections at 843-744-8683.

On behalf of those who signed the original petition, Peets says she is looking forward to the vote.

“We feel like we had a really good, high number of people turn out for the petition to really share their views. And we just hope that everybody remembers that to take it all the way through. They’ve got to go to this referendum and cast their ballot. But we are feeling very positive. We feel like there’s a lot of groundswell around making sure that Folly stays Folly and stays funky and family and livable, and basically that we can strike a balance with the investors on the island so that everybody can kind of keep things in a nice balance between us,” Peets says.

Copyright 2022 WCSC. All rights reserved.

11 Best Beaches In South Carolina

South Carolina is home to many popular cities, tourist destinations, forested mountains, sea islands, and historical landmarks. But, it is best known for its beautiful beaches, perfect for a sunshine and sand-filled getaway. Whether you are just stopping by or would like to stay a while to soak up the sun, you can head towards...

South Carolina is home to many popular cities, tourist destinations, forested mountains, sea islands, and historical landmarks. But, it is best known for its beautiful beaches, perfect for a sunshine and sand-filled getaway. Whether you are just stopping by or would like to stay a while to soak up the sun, you can head towards any of the state's charming small towns. But these beaches in South Carolina are for more than just lounging: you will find everything from private islands to numerous outdoor recreation activities to amusement parks and food trucks.

Myrtle Beach

With an abundance of hotels and resorts with beach views, Myrtle Beach is a popular sunny vacation destination situated in South Carolina's Horry County. The miles of beaches, warm subtropical climate, golf courses, and restaurants attract more than 20 million visitors to Myrtle Beach every year. While the sandy beach itself may be your first stop, there's no shortage of fun activities you can dive right into. Live music, theaters, water sports, and plenty of dining and shopping spots are only a few of the many things to do in Myrtle Beach.

Mitchelville Beach Park

Nestled on Hilton Head Island, Mitchelville Beach Park is one of the less populated beaches, perfect for relaxation and exploration. The area also offers a bathroom, a sand shower, and a few picnic tables, so you can spend the whole day there. Visitors can also venture across the bridge to Barker Field, which is ideal for recreational and sporting activities.

Sullivan's Island

Sullivan's Island is a small island community situated at the entrance to the Charleston Harbor in South Carolina's Charleston County. The town boasts over 2.5 miles of Atlantic Ocean beachfront, ideal for kayaking, fishing, sailing, photography, and more. Visitors can also enjoy the small town as well as its unique historical attractions.

Isle Of Palms

Neighboring Sullivan's Island, Isle of Palms is a barrier island that sits just off South Carolina's Atlantic coast. The town is situated about 24 km from the historic city of Charleston, boasting a picturesque beach and boardwalk. The community is also home to several big beachfront homes, luxury resorts, and local restaurants. Offering plenty of recreational activities, Isle of Palms is an excellent spot to enjoy the island lifestyle at any time of year.

Edisto Beach

Situated on the southeastern edge of South Carolina's Colleton County, the small town of Edisto Beach includes Edisto Island's only developed coastal area. It is also one of the most serene beaches, best for long walks, fishing, searching for seashells, and soaking up the sun. While there are no hotels, there are many rental opportunities, with several beach houses lining the shoreline.

Cherry Grove Beach

Located in the city of North Myrtle Beach in South Carolina's Horry County, Cherry Grove is only accessible by Sea Mountain Highway and Ocean Drive. This small neighborhood is primarily known for its historic Cherry Grove Pier and plenty of hotels, restaurants, and boutiques. Cherry Grove serves as an ideal spot for a peaceful getaway.

Seabrook Island

Seabrook Island is a barrier island situated in the southwestern portion of Charleston County. Seabrook Island boasts the privacy and tranquility of a small town, but is also close to everything you need. With miles of beaches to enjoy, this is the perfect spot to immerse yourself in nature.

Folly Beach

Folly Beach is a well-known surfing and seaside hotspot situated on Folly Island, approximately 18 km south of Charleston. Besides hosting several surf spots, the city offers stunning sunset and sunrise views. It is also home to Folly Beach Pier, which stretches over 1,000 feet into the ocean providing a picturesque view of the waters. With the North Atlantic Ocean in eyeshot, some visitors even spot the endangered whales in their respective migration seasons. The beautiful Morris Island Lighthouse is also just off the coast of the beach, great for exploration and photo ops.

Huntington Beach State Park

This 2,500-acre state park is situated close to Murrells Inlet in South Carolina's Georgetown County. The park features large sandy beaches, extensive fresh and salt marshes, and plenty of avian species to watch over the seasons.

Coligny Beach

Coligny Beach is one of the most well-known beaches on Hilton Head Island. Visitors can enjoy the sandy beaches and clear skies at Coligny Beach. The Coligny Beach Park that acts as an access point to Coligny Beach offers plenty of wonderful amenities for locals and visitors alike.

Kiawah Island

A barrier island situated about 40 km southwest of Charleston, Kiawah is mainly a private beach and golf resort. Kiawah Island is well-known for its various attractions including beaches, spacious villas, water-sport activities and the famous Kiawah Island Golf Resort. There are 10 miles of beaches and 30 miles of paved trails for biking and walking. The Kiawah River along with the island's numerous tidal creeks and salt marshes offers kayaking and canoeing opportunities.

With almost 2,876 miles of tidal coastline, South Carolina boasts a number of beaches to choose from. Whether you want to sit back and relax in the sun, go for a swim in the sparkling waters, or enjoy the attractions of each different beach, there is always something for everyone.

What we know: Storms cancel some of North Carolina’s bizarre New Year’s Eve “ball” drops.

Zaniness abounds in some cities and towns in the Carolinas on New Year’s Eve when the strangest of items “drop” from the sky to celebrate the new year.Rain and thunderstorms are forecast to be up there, too, unfortunately, and the threat of bad weather forced Eastern North Carolina communities to nix their plans and try again in 2023.Greenville canceled its emerald drop and Morehead City its ...

Zaniness abounds in some cities and towns in the Carolinas on New Year’s Eve when the strangest of items “drop” from the sky to celebrate the new year.

Rain and thunderstorms are forecast to be up there, too, unfortunately, and the threat of bad weather forced Eastern North Carolina communities to nix their plans and try again in 2023.

Greenville canceled its emerald drop and Morehead City its crab pot drop. Mount Olive dropped its pickle drop plans.

Safety is our primary focus towards our community,” Courtney Wade, Morehead City fire and EMS chief said on Facebook on Friday. “... So we’re going to cancel tomorrow night’s events.”

In Morehead City, showers are “likely” and thunderstorms are possible before midnight, with the chance of precipitation at 70%, according to the NWS Morehead City forecast at 10 a.m. Saturday.

Charlotte has only a 30% chance of showers on Saturday night, mainly before 7 p.m., according to the NWS forecast as of 11 a.m. Saturday.

Many drops were still a go across the state Saturday morning.

Folks are no doubt itching to get to the town of Eastover’s annual flea drop.

Or savoring the chance to witness the drop of a blueberry in Burgaw or a pig in the coastal town of Newport, plastic though it may be.

Here are a few of the more unusual New Year’s Eve drops you’re likely to see nowhere else than the Carolinas and were still scheduled to occur as of Saturday morning:

Raleigh’s First Night celebration features a midnight dropping of a gigantic acorn at Fayetteville and Davie streets.

At 7 p.m., an early countdown for children and everyone else is scheduled at City Plaza.

The coastal NC town of Burgaw is set to drop a giant lighted aluminum blueberry at about 7 p.m. Saturday.

The 5th annual event from 5:30-7:30 p.m. also features food and music. A fireworks display follows the blueberry drop.

CLT NYE, Charlotte’s New Year’s Eve celebration, features a midnight lighting of the Queen City crown and a large fireworks display.

Festivities start at 8 p.m. on Tryon Street at Levine Avenue of the Arts.

The town of Eastover, near Fayetteville, will drop a 3-foot-tall, 30-pound ceramic flea.

The town was once known as Flea Hill, the Fayetteville Observer has reported.

Festivities also include a Moon Pie-eating contest, a dance and the firing of a cannon.

A pair of sparkly flip flops will fall from high above Center Street at midnight Folly Beach, South Carolina, followed by fireworks.

At midnight, the NC mountain town of Marion will drop a 6-foot, 80-pound gold nugget sculpture into a pot of gold to celebrate the history of gold in McDowell County, according to Romantic Asheville.com.

The free celebration at 8:30 p.m. also includes a Comic Con costume contest, music, wagon rides and local brews and wines.

The coastal NC town of Newport is scheduled to drop a plastic pig at 5 p.m. Saturday.

Enjoy hot coco, music, cookies and S’Mores.

This story was originally published December 31, 2022 11:38 AM.

Folly Beach, SC makes national list of 'hippie hideouts.' Here’s why.

Now comes Travado, a travel website, with a new moniker — hippie hangout.Folly Beach was included on a list of 25 hippie h...

Now comes Travado, a travel website, with a new moniker — hippie hangout.

Folly Beach was included on a list of 25 hippie hideouts in the U.S. Not surprisingly perhaps, the company said Asheville was the No. 1 hippie spot.

Travado went so far as to say, “This place is so far out that you might not even realize you’re still in South Carolina!”

Charleston is about 12 miles to the north.

While people lived on Folly Island since the late 1600s, it has officially been a township for almost 50 years. It’s celebrating its 50th birthday Sept. 22 to 30, 2023. They’re planning to close streets, shag into the night on the pier, show off classic cars and stage a prom-themed gala.

The island name is from the Old English word Folly, meaning a place wild with trees and undergrowth. It is a barrier island, between the Atlantic Ocean and the Folly River, some 18 square miles with 6 miles of coastline. It bills itself as one of the last true beach towns in America, home to about 2,400 permanent residents.

King William III gave the first land grant to William Rivers on Sept. 9, 1696, then the island passed to a series of owners, none of whom lived there. Members of the Bohicket tribe did.

As was the way, the Europeans arrived and the Bohickets were forced from their homes.

Shipwreck survivors in the early years and thousands of federal soldiers during the Civil War lived on the island. One of the stranger stories is that 14 bodies were unearthed during construction in May 1987, believed to be soldiers from the 55th Massachusetts Volunteer Regiment. Twelve of them were missing skulls and other body parts and showed no signs of war casualties. The mystery ensues.

It wasn’t until the 1940s that the makings of an island resort showed through. Ocean Plaza was built with amusement rides, shops and a pier.

“The Folly Pier was a musical hub for the greater community with all the big bands playing the Folly Pier from Glenn Miller to Maurice Williams,” Gretchen Stringer Robinson wrote in her history of the island. “People from all over the country developed a love for the community that is, more than most, a people’s beach.”

Travado says, “Folly Beach is prime real estate for surfing, so the town attracts all sorts of laid-back, beach bum types — perfect for any hippie at heart!”

Folly is also known for spectacular sunsets and sea turtles that nest on the island from May 1 to Oct. 31. Downtown includes locally owned stores, seafood restaurants and nightlife in what town officials call “one-of-a-kind bars.”

Travado again: “After a day of surfing, you might even find that a drum circle has spontaneously coalesced on the shore. And don’t forget to give Bert’s 24-hour market when the munchies hit at strange times!”

Letters: Septic systems pose threat to coastal resources

I had my first glance at the losing battle homeowners would face with sea level rise in South Carolina in 1975 as a biologist.I was reviewing a request for a permit to cover an exposed septic system drain field on East Arctic Avenue on Folly Beach so that it would be in compliance with DHEC regulations.I could not approve that permit request since it violated state and federal law.Sea levels in South Carolina as well as other East Coast and Gulf Coast states are rising faster than many other places....

I had my first glance at the losing battle homeowners would face with sea level rise in South Carolina in 1975 as a biologist.

I was reviewing a request for a permit to cover an exposed septic system drain field on East Arctic Avenue on Folly Beach so that it would be in compliance with DHEC regulations.

I could not approve that permit request since it violated state and federal law.

Sea levels in South Carolina as well as other East Coast and Gulf Coast states are rising faster than many other places.

Septic systems, both existing and those continuing to be permitted, pose a threat to our magnificent coastal resources.

A recent editorial and an article in The Post and Courier accurately described the relationship between sea level rise, groundwater and the deleterious effect on coastal septic systems.

It is time for all levels of South Carolina government to step up and comply with the goals of the Clean Water Act of 1972 to make our waters “swimmable and fishable.”

This will require state government to utilize all the tools it has to attain these goals.

State leaders have an opportunity to do this by using funds available through the Infrastructure Improvement and Jobs Act and the Inflation Reduction Act to have existing residential septic systems hooked up to central wastewater systems and the current wastewater treatment infrastructure capacity increased and upgraded to meet this new challenge.

RICHARD DAWSON

Summerville

I have been following with great interest the ongoing journey of Project Drift, which would bring battery recycler Redwood Materials to Berkeley County.

It’s a mega project for the region requiring a complex set of incentives and related items necessary to capture this economic development prize.

It looks appetizing. But as a retired electric utility economic developer, what I am not seeing is the “What if?” equation.

Many local, regional and state entities seem to be pouring in all kinds of incentives. But there appears to be no clawback provision for one or more of these incentives if the company does not perform what it states it will do. The company should be held accountable.

Maybe these agreements are there but we don’t see them. If so, great. If not, they should be added.

ARNIE FRANKEL

Summerville

I write in response to a recent letter about book banning. As a parent, I am far more concerned with the influences of the internet and social media on our youth today than any book my child may come across.

Children already have full access to far more (dis)information about sex, sexuality, sexual preferences, gender and more than they could get from a couple of books.

If the debate is about children having access to harmful material and information, maybe take away their access to the internet before taking away everyone else’s access to books.

JANA STEVENSON

Charleston

The nonprofit Friends of Joseph Floyd Manor works to provide these residents with much-needed items, such as groceries, personal care products and cleaning supplies on a regular basis.

These provisions are not a handout but a show of gratitude to the disabled veterans and other elderly and disabled community members who gave of themselves in service to our country and our community in times past.

Last week, Friends of Joseph Floyd Manor, along with members of Coastal Community Church and other dedicated volunteers from Charleston and beyond, donated, collected, sorted, wrapped and delivered hundreds of gifts to residents during a gathering at the Manor, which began with a moment of remembrance of friends who passed away during the year.

I thank the residents of Joseph Floyd Manor and Friends of Joseph Floyd Manor for the mutual love and kindness you demonstrated, not just during the holidays.

All are welcome to join in Giving Thursday at the Manor on the second and fourth Thursdays of the month to help distribute groceries.

For information, contact info@friendsofjosephfloydmanor.com, or follow on Facebook or Instagram @friendsofjosephfloydmanor.

CAROLYN HOOKER

Charleston

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