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 Gaffney, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Gaffney'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 Gaffney, 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.
Ask Dan Anything843-478-5612At 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 Gaffney, 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 Gaffney, 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).
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 Gaffney, 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 Gaffney, 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.
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 Gaffney loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANGAFFNEY, S.C. — When Tropical Storm Helene hit South Carolina, it brought widespread damage and left communities like Gaffney grappling with power outages, flooding and a shortage of basic necessities. Amid the chaos, U.S. Army Staff Sgt. Kevin Garcia, a Gaffney resident himself, stepped in to serve his neighbors in a unique capacity — both as a protector and a community member.On Oct. 2, 2024, Garcia found himself distributing water and supplies to Gaffney residents, many of whom he grew up with. “It feels good,&rdq...
GAFFNEY, S.C. — When Tropical Storm Helene hit South Carolina, it brought widespread damage and left communities like Gaffney grappling with power outages, flooding and a shortage of basic necessities. Amid the chaos, U.S. Army Staff Sgt. Kevin Garcia, a Gaffney resident himself, stepped in to serve his neighbors in a unique capacity — both as a protector and a community member.
On Oct. 2, 2024, Garcia found himself distributing water and supplies to Gaffney residents, many of whom he grew up with. “It feels good,” Garcia said. “I enjoy helping the community where I can.”
Garcia is an Army tank commander in Bravo Company, 1-118th Infantry Regiment, Armored Brigade Combat Team. He has been in the military for 13 years, starting with five years on active duty before transitioning to the National Guard. The Guard was an ideal fit for him, allowing him to continue serving his state and nation.
“I joined the National Guard because I wanted to continue being a Soldier and serve the country,” Garcia explained. “But it’s also about being there for my community. When I see people in need, it gives me a sense of purpose.”
On the ground, Garcia and his fellow Guard members handed out water and food rations to those affected by the storm.
“It’s good to see that people are grateful,” Garcia said, noting how a simple gesture — providing essential supplies — had a profound impact on the community’s morale. “Seeing people’s smiles and gratitude in a time of need is the best part.”
For Garcia, serving in this capacity is personal. Beyond the uniform, he is a proud member of his local church and sees his service as an extension of his faith.
“I’m a Christian and a godly man,” he said. “Being able to provide for others, especially those who can’t leave their homes, fills my heart with joy.”
Garcia mentioned how local churches had partnered with the National Guard the day before to ensure that homebound residents received food and water.
“It was awesome to see that people have the heart to put others before their own needs,” he said, clearly moved by the community’s collective effort.
For this 13-year military veteran, the opportunity to give back to the town where he grew up is something he doesn’t take for granted. Garcia plans to continue serving his full 20 years in the National Guard, but on days like this, the pride he feels for both his uniform and his hometown is on full display.
“Helping out here in Gaffney just means more,” Garcia said. “It’s home.”
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GAFFNEY — A new coffee shop featuring Boulangerie-style baked goods is the latest business opening in downtown Gaffney.It's not just a coffee shop. Spencer & Co. at 116 E. Robinson St. sells new and used books. There's also an assortment of gifts for sale including candles, coffee mugs and shirts. Owner Savannah Spencer has always wanted to open a bookstore. The idea for a coffee shop came later.The business had a soft opening Sept. 7 with more than 100 people getting a first look at the newly renovated building. It s...
GAFFNEY — A new coffee shop featuring Boulangerie-style baked goods is the latest business opening in downtown Gaffney.
It's not just a coffee shop. Spencer & Co. at 116 E. Robinson St. sells new and used books. There's also an assortment of gifts for sale including candles, coffee mugs and shirts. Owner Savannah Spencer has always wanted to open a bookstore. The idea for a coffee shop came later.
The business had a soft opening Sept. 7 with more than 100 people getting a first look at the newly renovated building. It still has the original windows and doors.
Through the years, the building has been home to a sewing business and print shop. The building also formerly housed a wine bar called Le'Bodega.
Spencer told The Post and Courier just days before the official opening on Sept. 13 that she's excited to bring something new to the city that is poised for growth.
Over the next five years, the city's historic downtown district expects growth with new business. There's already been several new businesses opening downtown in the past few years including Peach City Brewery, Trackside Taproom, and The Fizz. Spencer decided to open her business believing downtown will continue to see additional interest from new ventures and with more people moving to the area business is looking up for merchants.
Spencer is a Gaffney native who briefly moved with her family to Clinton. She attended the University of South Carolina, where she studied hospitality management. She entered the corporate world after moving back to Gaffney following college.
She wasn't satisfied with her work life and decided to try something new. It wasn't easy. Using her savings, Spencer invested in her new business bearing her name.
"I love Gaffney and being downtown," Spencer said. "My family is here and I am not going to leave. I decided to open my business, in part because I was tired of having to go all the way to Spartanburg or Greenville since I did not have anywhere like this place to go."
Over the past two months, Spencer worked to get the building ready for opening. There are several rooms in the business designed for different purposes. One room is designated for children while another has tables and chairs for a more casual setting. There's also a room designated for monthly book clubs that will be held after hours. Spencer said her goal is to provide a relaxed setting for customers.
Beginning Sept. 13. the business will be open from 6 a.m. to 1 p.m. and from 3-6 p.m. Tuesday to Friday, and 8 a.m. to 2 p.m. on Saturday.
Hours may be extended in the future once additional staff is hired.
Spencer's love for books began when she was a child visiting the bookstore in town with her dad. Her interest in books was rekindled when she started thinking seriously about opening a bookstore in her hometown.
She has contracts with several publishing houses to deliver new books to the store. She also features books written by local authors including T.J. Taylor's "Roses With Thorns," a book of poems, quotes and prose poetry.
She also sells books about fantasy, romance and mystery thrillers. Several of the classics have custom-made cloth book covers. The coffee shop is located in the back of the business. She gets her coffee beans from Due South Coffee Roasters in Greenville. All of her baked goods are delivered bi-weekly from Charlotte-based Copain Bakery and Provisions, which serves restaurants and other businesses in the Southeast.
Spencer said there's been excitement in the community about her opening since there's a dearth of local coffee shops and bookstores in Gaffney.
"I think we will do well," she said. "We put in the effort and put in the money to get this started."
GAFFNEY, S.C. (FOX Carolina) - While most teams focused on the third week of the football season, Gaffney and Blacksburg High Schools honored the legendary coach, Terence ‘Boo Boo’ Ratchford.Ratchford passed away in Jul...
GAFFNEY, S.C. (FOX Carolina) - While most teams focused on the third week of the football season, Gaffney and Blacksburg High Schools honored the legendary coach, Terence ‘Boo Boo’ Ratchford.
Ratchford passed away in July, he was 49 years old.
“It is humbling to see how much he meant to so many people in this community,” Boo Boo’s father Warren Ratchford said. “It is just unreal.”
Both schools commemorated him by selling t-shirts to raise money for their football programs.
Gaffney dedicated the month of September to be a ‘White Out’ at every home game as Boo Boo would have turned 50 on Sep. 16.
“He was one of our best friends for many years,” Gaffney fan and one of Ratchford’s best friends Shannon Wylie said. “We enjoyed coming to the games with him. He loved Gaffney football, that is all he wanted to do was to be here with the team, players and crowd each week.”
Hundreds of Gaffney fans walked into the stadium with their t-shirts already on, many also bought them while entering.
Coach Boo Boo was known for leading the Indians onto the field each game, but this time the team ran out with multiple flags with his name stretched across them.
“When he would come through the tunnel, I thought he would be run over,” Boo Boo’s cousin Irving Ratchford said. “I would say, ‘Get out of the way Boo Boo, get out of the way.’ He would always go all the way down the field and get on his knees and start praying.”
Boo Boo was well-known in the Cherokee County community, on and off the field.
“Everybody that knows Boo Boo, knew that he was so full of praise, joy and happiness,” Gaffney fan and Boo Boo’s best friend Kelly Hall said. “He always had a smile on his face. I just know right now he is celebrating in Heaven.”
Both Gaffney and Blacksburg High Schools have put together a scholarship program to continue his legacy.
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