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 Forest Acres, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Forest Acres'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 Forest Acres, 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 Forest Acres, 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 Forest Acres, 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 Forest Acres, 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.
Georgia-based restaurant chain Takosushi will soon be opening a second location in the Columbia area. The restaurant will be opening a location in the Forest Park shopping center in Forest Acres, moving into space that formerly housed a Pizza Hut and a Baskin Robbins.The shopping center, anchored by Lowes Foods, is located at 4711 Forest Drive. Colliers South Carolina’s Rox Pollard, Danny Bonds and John Gressette represented the landlord, Forest Park LLC in the lease of 2,400 square feet in the shopping center to Takosushi, acco...
Georgia-based restaurant chain Takosushi will soon be opening a second location in the Columbia area. The restaurant will be opening a location in the Forest Park shopping center in Forest Acres, moving into space that formerly housed a Pizza Hut and a Baskin Robbins.
The shopping center, anchored by Lowes Foods, is located at 4711 Forest Drive. Colliers South Carolina’s Rox Pollard, Danny Bonds and John Gressette represented the landlord, Forest Park LLC in the lease of 2,400 square feet in the shopping center to Takosushi, according to a news release.
Takosushi serves eastern Asian and southwestern United States-inspired cuisine. Forest Park will be Takosushi’s eighth location across Georgia and South Carolina and the second location in Columbia.
The other Columbia location of Takosushi is in the historic Arcade building at 1332 Main St. downtown. The restaurant also has locations in Georgia and other South Carolina locations in Aiken and Greenville.
“We are excited to be a part of the Forest Acres community,” said James Williams, co-owner of Takosushi. Whether you are looking for a light lunch, a place to grab a drink or a hearty dinner, we feel that TakoSushi has something for everyone. Being headquartered here in the Midlands, this location is especially important to us.”
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No opening date for the Forest Acres location has been set. Forest Acres officials confirmed that the restaurant has already sought construction permits from the city.
The 90,000-square-foot center’s tenants include Lowes Foods, Eggs Up Grill, CVS and UPS Store, along with a mix of local and regional boutique retailers and national brands. This center is adjacent to the mixed-use development on the former Cardinal Newman School site, Cardinal Crossing, consisting of 256 apartments, complemented by 42,000 square feet of commercial space including ground-level shops fronting Forest Drive.
"Takosushi will be a welcome addition to Forest Park and all of Forest Acres with its excellent cuisine, top-notch service, outdoor seating and fun atmosphere," Pollard said. "The space, formerly occupied by Baskin Robbins, will be completely renovated which keeps with the landlord’s commitment to keeping Forest Park a highly important amenity to the Forest Acres community."
Pollard is a vice president and director of Retail Services at Colliers specializing in the sale, leasing and development consultation of retail properties across the state. Bonds is a senior brokerage associate specializing in the leasing of neighborhood shopping centers and Gressette is a brokerage associate working with tenants, landlords, sellers and purchasers to lease, purchase and sell retail properties of all sizes.
City officials say the cost will be $4 a year for pets spayed and neutered, $20 a year for those that aren't.FOREST ACRES, S.C. — If you have a furry friend, they will soon no longer live rent free in the greater Columbia area. You're soon going to have to pay a price for their license to live in Forest Acres.The City of Forest Acres has officially approved their intergovernmental agreement with ...
City officials say the cost will be $4 a year for pets spayed and neutered, $20 a year for those that aren't.
FOREST ACRES, S.C. — If you have a furry friend, they will soon no longer live rent free in the greater Columbia area. You're soon going to have to pay a price for their license to live in Forest Acres.
According to the city's attorney, the city previously had this agreement with Richland County, but this time around, dog and cat owners have to pay a license fee to Richland County to register their pet.
It's $4 a year for those spayed and neutered, $20 a year for those that aren't.
"There are exceptions to that for service animals, I think hunting dogs, a few specific categories that are exempt from that," said William Dillard, Forest Acres city attorney.
Dillard tells News 19 other Richland County jurisdictions already follow this rule.
"Everybody in unincorporated Richland County is subject to that, basically every other municipality within Richland County is subject to that. Blythewood, Eastover and the portion of Irmo within Richland County all have this agreement and work under the county ordinance," Dillard said.
Local dog owners explain that they have no issue with the fee.
"You want a government to have an idea of what animals are actually in its jurisdiction, I mean especially if some of the animals are dangerous," Elizabeth Franklin-Best, Forest Acres resident said.
"It's very easy and I think it's a very reasonable amount," Kathleen Taylor, city of Columbia resident said.
Leaders in Forest Acres explain there's a fine if you don't register your pet. It's $500, but folks in Forest Acres will have a 30 day grace period after the ordinance is adopted.
And according to city leaders in Forest Acres, the pet licensing portion of the ordinance in the intergovernmental agreement is expected to be adopted into law by August.
Also, Forest Acres council members tell News 19 once you're registered, you'll get a notification from Richland County every year.
The city tells News 19 they plan to get the word out to residents about this fee following Tuesday night's meeting.
For more details about how to register your pet, click here.
Trenholm Road, Willingham Drive, and Percival Road are listed on SCDOT's project map for potholes and cracks.FOREST ACRES, S.C. — The City of Forest Acres will discuss current road projects underway during its regular city council meeting on Tuesday, July 25.State Representative Heather Bauer and leaders with the SC Department of Transportation (SCDOT) are scheduled to be on hand to provide an update and to hear residents' concerns abou...
Trenholm Road, Willingham Drive, and Percival Road are listed on SCDOT's project map for potholes and cracks.
FOREST ACRES, S.C. — The City of Forest Acres will discuss current road projects underway during its regular city council meeting on Tuesday, July 25.
State Representative Heather Bauer and leaders with the SC Department of Transportation (SCDOT) are scheduled to be on hand to provide an update and to hear residents' concerns about roads in the area.
This past legislative session, Bauer said one of her top goals was the Richland Mall Revitalization Project in Forest Acres. Now that that project is underway, she’s expanding her focus to roads in the area.
“I would say over a dozen in Forest Acres proper will be at least rehabbed or resurfaced, and then there are several bridges throughout the city that are going to be looked at as well," Bauer said.
Trenholm Road, Willingham Drive, and Percival Road are listed on SCDOT's project map for potholes and cracks in the road.
While resurfacing those roads is in motion and expected to be completed within the next year, Bauer is looking to hear from residents about the other problem areas.
Grace Hubbard grew up in Forest Acres and said she’d like to see some traffic solutions.
“I know there’s been talks of some roundabouts and I would like to see those, I think it would help the traffic a lot, especially on Forest Drive," Hubbard said.
Jennifer Feinberg said she comes to Forest Acres to shop but has noticed some congestion as well.
“Widen and fix the potholes, otherwise things seem to be working smooth," Feinberg said. "The more people shop over here, they’re going to have to improve it."
Bauer said this is where SCDOT will come in at the meeting. The representative from the department could bring potential solutions for roads and pedestrian walkways.
“I know that speaking with city council, they want Forest Acres to be more walkable and safe," Bauer said.
Bauer said in addition to listening to concerns, her job is getting the money to make these solutions a reality.
The meeting will also include a public hearing over the proposed zoning changes for Forest Lake Place leading into Gills Creek Memorial Park.
Council will also swear in new Mayor Thomas Andrews and City Council Members Stephen Oliver and Ryan Newton.
A national bookstore that has been part of Richland Mall for more than a quarter-century plans to move to a new location in Columbia. The move comes as developers are in the nascent stages of a years-long,...
A national bookstore that has been part of Richland Mall for more than a quarter-century plans to move to a new location in Columbia. The move comes as developers are in the nascent stages of a years-long, $100 million overhaul of the Richland Mall property.
Barnes & Noble senior director of store planning and design Janine Flanigan confirmed Thursday morning that the Richland Mall store, located at 3400 Forest Drive in Forest Acres, will close in January or February 2024, and the store will move to the Shoppes at Woodhill shopping center at at 6090 Garners Ferry Road.
Flanigan said the Garners Ferry shop would likely open a couple weeks after the Richland Mall location closes. She said Barnes & Noble would stay at the mall location until construction and preparation is complete at the Garners Ferry spot, then make the move.
The Barnes & Noble will be moving into a space that formerly was occupied by a Bed, Bath and Beyond. The Shoppes at Woodhill shopping center on Garners Ferry is anchored by a Target store and has several other businesses.
Flanigan said the Richland Mall Barnes & Noble has been open since 1997. Outside of the University of South Carolina campus bookstore, the Richland Mall store is the only other Barnes & Noble in the Midlands. While Flanigan admits it is bittersweet for the company to leave the Richland Mall site, she said Barnes & Noble is excited to be moving into a new space in Columbia. She said the store will have a fresh look.
“We have a brand new design,” Flanigan said. “If you’ve been in our stores, you know the furniture is the dark wood, and there’s the green carpet. It’s been typically that tone. Our new design is very different. It’s a light-colored wood, which we call Victorian lace. It will be very bright, with high ceilings.
“And we will organize the fixtures differently, creating these really fantastic book rooms. It just really invites someone in to explore each of the different genres and sections.”
Like the store in Richland Mall, Flanigan said the coming Garners Ferry Road Barnes & Noble will also have a cafe that serves Starbucks coffee.
Barnes & Noble’s announcement that it is moving comes just one day after department store Belk confirmed it is closing its location in the Richland Mall in September. Those are the last two national retailers left in the mall in its current form.
However, there is a plan moving forward that looks to breathe new life into the sprawling mall site.
The mall property had been owned by Century Capital LLC and Forest Holdings LLC. However, in January, Augusta development company Southeastern officially purchased the property. It has pledged to overhaul the 32-acre site with a more than $100 million plan that is set to include a 100,000-square-foot grocery store, more than 500 apartments, a public park, a brewery or taproom and more.
City officials have said the coming redevelopment of the mall site will be the largest single economic development investment in Forest Acres in nearly four decades. The redevelopment of the mall site will be a years-long process. The bulk of the current mall building ultimately will be demolished to make way for the overhaul.
Southeastern is no stranger to major developments. The company has numerous retail, residential, hospitality and other business developments in its portfolio, with projects across the South. Among its developments is the mixed-use Shelter Cove Towne Centre in Hilton Head.
This story was originally published August 10, 2023, 12:41 PM.
FOREST ACRES — An Asian fusion restaurant that started in Charleston will bring its latest location to Trenholm Plaza.CO, which calls itself “a modern take on Southeast Asian Cuisine,” has agreed to take space in the busy Forest Acres retail center with hopes of opening by the end of 2023, according to Mary Pappas, director of marketing for Collected, the restaurant’s parent company.The restaurant will fill a long-open spot in the pop...
FOREST ACRES — An Asian fusion restaurant that started in Charleston will bring its latest location to Trenholm Plaza.
CO, which calls itself “a modern take on Southeast Asian Cuisine,” has agreed to take space in the busy Forest Acres retail center with hopes of opening by the end of 2023, according to Mary Pappas, director of marketing for Collected, the restaurant’s parent company.
The restaurant will fill a long-open spot in the popular shopping center, which is undergoing a series of changes yet continuing a high occupancy rate as a high-end destination in the Columbia market.
Forest Acres will be the sixth location for the restaurant chain, which started with a location on King Street in Charleston in April 2012.
The restaurant’s menu will feature creative takes on standards from several different areas of Southeast Asian cuisine, with a variety of sushi, dumplings and noodles.
Such dishes as a caramel pork banh mi or spicy crab rangoon dumplings, as featured on its Charlotte menu, show how the restaurant offers new takes on Asian favorites.
The restaurant chain, which has two Charlotte locations along with Charleston, Myrtle Beach and Raleigh, N.C., long has considered Columbia’s market as a natural next step, Pappas said.
“It’s a market we’re excited about,” Pappas said. “It’s kind of a no-brainer.”
Eventually it worked with Edens, its landlord at a Charlotte location, to find the Trenholm Plaza site for CO, as shopping center sites have worked well for the company, she said.
The space at the interior corner of the shopping center has been vacant since Rosso Trattoria closed in February 2019.
The company will take some time to design and decorate the interior, so it’s unlikely to open before the end of the year, she said.
Trenholm Plaza has seen a series of changes and new occupants in the past year. New retailers such as Sephora, Bath & Body Works and HomeGoods have opened, and Publix has announced plans to expand its grocery store in the location.