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 Goose Creek, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Goose Creek'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 Goose Creek, 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 Goose Creek, 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 Goose Creek, 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 Goose Creek, 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.
Goose Creek looks much different than it does today. For instance, what was a rural area where the modest St. Paul A.M.E church once stood is now surrounded by residential neighborhoods. The church was torn down in the 1980s to make way for new projects. But some of its past is still there and there are fresh concerns about preserving it.Recently the director of the Goose Creek branch of the NAACP, addressed city council about construction work being done near the site.“Many of us in the community have a concern about the...
Goose Creek looks much different than it does today. For instance, what was a rural area where the modest St. Paul A.M.E church once stood is now surrounded by residential neighborhoods. The church was torn down in the 1980s to make way for new projects. But some of its past is still there and there are fresh concerns about preserving it.
Recently the director of the Goose Creek branch of the NAACP, addressed city council about construction work being done near the site.
“Many of us in the community have a concern about the remains of African Americans located at the corner of Amy and Judy Drive,” said director Sharina Haynes on Sept. 13.
Haynes added that state law requires an inspection of such sensitive areas have to be completed before any work can begin and that time, she said, it didn’t seem so.
“We are concerned about the desecration of these graves. We are concerned that there are unmarked graves that should be properly identified,” she said.
At the corner of the site there is construction equipment and piles of gravel, indicating some work is about to begin.
The Gazette reached out to the South Carolina Department of Transportation to determine if in fact the work was happening near the graves.
Resident construction engineer with SCDOT Darlene L. Broughton said the spot is not where the work is being done and she had spoken with those who have concerns.
“We cordoned off the area where it looks like there may be graves,” said Broughton. “We are not building anything there. We got permission from the property owner just to stage material and equipment there until the project is complete.”
Broughton said if there was construction going on at the spot, pre-construction and environmental crews would first have to assess the site to determine if there are any sensitive areas such as gravesites.
The crews at the site are working on a project to build more sidewalks in the area.
But Haynes said the fact that’s it only sidewalks and there is caution tape blocking off some headstones doesn’t bring her much peace of mind. Believing just because some of the headstones are gone doesn’t mean that the all the burial plots are gone.
“We want them to do their due process. They already have this ground penetrating radar system. It’s not intrusive. We just want to make sure these descendants in this community are being respected,” said Hayes.
“There is a system to this and there is a process and we would just appreciate if they would go through their due process to make sure that we aren’t desecrating the graves especially for the sake of a sidewalk.”
GOOSE CREEK — Friday night’s game between long-time rivals Summerville and Goose Creek had very little defense. Both offenses went up and down the field all night long and Summerville won the contest, 56-30.The Green Wave earned its fourth win in five games and bounced back from its first loss, a 16-0 setback to Sumter last week. The Gators dropped their fifth straight game to start the season, albeit against a difficult non-region schedule.Senior running back Marquez Spells rushed for more than 200 yards and had th...
GOOSE CREEK — Friday night’s game between long-time rivals Summerville and Goose Creek had very little defense. Both offenses went up and down the field all night long and Summerville won the contest, 56-30.
The Green Wave earned its fourth win in five games and bounced back from its first loss, a 16-0 setback to Sumter last week. The Gators dropped their fifth straight game to start the season, albeit against a difficult non-region schedule.
Senior running back Marquez Spells rushed for more than 200 yards and had three touchdowns. Senior quarterback Campbell McCurry topped 150 passing yards and two scores, both to junior Quintrelle Pettiford. Junior running back Trae Green added three touchdown runs for Summerville.
“I’m not surprised there were points tonight,” Summerville coach Ian Rafferty said. “That’s a good football team. They have some weapons on offense. Both teams have some dudes. Goose Creek has a Division 1 quarterback and two really good receivers. We have some guys too. We just had a little more. We knew it would be tough.”
The Green Wave displayed great offensive efficiency to open the game. On the first offensive snap, senior running back Marquez Spells raced untouched up the middle for a 59-yard scoring jaunt and a 7-0 lead just 15 seconds into the game.
The Gators answered with an 83-yard drive, culminating with Drew Moore’s eight-yard scoring pass to Troy Reid with 10:01 left in the first period. Moore finished with more than 220 yards passing while Reid topped 100 receiving yards with two scores.
Summerville again needed just one play to add to its scoring total. McCurry found Pettiford on a 73-yard bomb and Summerville led, 14-6, with 9:41 remaining.
“It’s preparation, want to,” Rafferty said of the quick start. “We have good schemes and good coaches. We have some dangerous guys. We can take it to the house from anywhere.”
Good fortune continued for the Green Wave.
After Summerville dropped a punt, Rhyan White scooped up the loose ball and raced 30 yards to the Goose Creek 32-yard line. Six plays later, Spells scored from seven yards out for a 21-6 advantage still with 6:17 remaining in the first period.
Late in the first quarter, the Gators put together a nine-play, 57-yard scoring drive with Moore scrambling in from 15 yards out with :56 left, cutting Summerville’s lead to 21-13.
Summerville drove down inside the Goose Creek 25-yard line in the second quarter, but Goose Creek safety Jordan Turner intercepted a pass and returned it to the 38. Seven plays later, Moore again scored on a keeper from eight yards out. A two-point attempt failed but Goose Creek trailed, 21-19, with 6:53 left in the second quarter.
Summerville again had a response and went 58 yards on five plays with Trae Green scoring on a five-yard run for a 28-19 lead.
The Gators used 11 plays and three Summerville penalties to get a 25-yard field goal from Owen Perez with 2:03 left in the first half, cutting the margin to 28-22 at the break.
Summerville put the game away with three touchdowns in the third quarter. McCurry found Pettiford again for a long touchdown pass, this one covering 29 yards to push the lead to 35-22.
After a Goose Creek punt, Spells led a drive with several nice runs and Green finished it off with a 13-yard scoring and the Green Wave led, 42-22, with 3:40 left in the third quarter.
Michael Woodfield intercepted Moore’s pass and returned it to the Goose Creek 15-yard line, setting up another scoring run by Green with 1:56 left in the third.
Spells added his 80-yard burst for a score after Moore and Reid got Goose Creek on the board again early in the fourth quarter for a 56-30 lead.
Summerville will host Stratford next week while Goose will open region 6-AAAAA play at Berkeley.
Goose Creek’s new barrier-free Central Creek Park is tentatively scheduled for a Dec. 16 public opening, according to local public information officer Frank Johnson.The new $9 million park site will consist of a 13-acre, all-abilities outdoor recreation facility that is reportedly benefitting from the generosity of community-based donors.These monetary contributions, it was noted, will help pay for some of the innovative equipment and featured for the open space, located at 147 Old Moncks Corner Road.“We laun...
Goose Creek’s new barrier-free Central Creek Park is tentatively scheduled for a Dec. 16 public opening, according to local public information officer Frank Johnson.
The new $9 million park site will consist of a 13-acre, all-abilities outdoor recreation facility that is reportedly benefitting from the generosity of community-based donors.
These monetary contributions, it was noted, will help pay for some of the innovative equipment and featured for the open space, located at 147 Old Moncks Corner Road.
“We launched our We All Rise capital campaign late last year and have been pleasantly surprised and extremely grateful for the outpouring of financial support,” said Mayor Gregory Habib. “This giving level speaks volumes about our community’s commitment to ensuring inclusivity.”
The barrier-free components of Central Creek Park will serve visitors of all ages and abilities and they include: Debra’s Playground, Splash Creek, a field, stage area, a walking trail, the Eubanks Athletic Courts and the Casey Pavilion, sponsored by Roper St. Francis Healthcare.
“I hope the Roper St. Francis Casey Pavilion will be a place for residents of all ages to gather for health, wellness, fitness, and fellowship,” said Roper President & CEO Dr. Jeffrey DiLisi. “We are proud to be a part of this growing and vibrant community, both by supporting spaces, such as this, as well as providing exceptional care at sites across the county. We hope this special Pavilion serves the community for decades to come, and we look forward to continuing to partner with and care for Goose Creek.”
Jeff Lewis Architect, Trident Construction, The LandPlan Group South, Carolina Parks & Play, Landscape Structures and Rain Drop have all been commissioned by the City of Goose Creek to assure residents that the park will operate as a safe and friendly venue for all community members.
The aforementioned companies have produced and approved designs to facilitate wheelchair access across multiple areas of the park, along with swings, a zipline and several Splash Creek water-play features, such as: Mr. Claw Crab, the Pirate Cannon and the Big Kahuna Wave.
Park, play and exercise structures and/or amenities have been built to accommodate people of varying sizes, postures and mobility ranges in the interest of providing the highest of physical challenges while keeping hazards at a minimum.
It’s a sentiment that Goose Creek Recreation Director Crystal Reed wholeheartedly endorses.
“Central Creek Park is a testament to how important a universal-access culture is to the citizens of Goose Creek,” she said. “Our community stepped up in a big way to help create a world-class outdoor recreation space for everyone, regardless of age or ability.“
Project partner/supporter and CEO-President of Goose Creek Heating & Air Robbie Wright added: “We are honored and delighted to support such a game-changing community centerpiece as Central Creek Park. [It’s] a welcome addition to an already vibrant culture, the park will make fitness, play, awareness, and exposure to new opportunities accessible to all. Goose Creek Heating and Air is proud to play a small part in this extraordinary endeavor.”
The recreation destination’s footprint will be able to handle more than 600 individuals at a time and ensures that no one is excluded from the joys derived from outdoor play, promises Goose Creek Assistant Recreation Director Nicole Herrera Murray.
On that note, Murray believes that the new park will emerge as “the heartbeat of our community.”
Private donations made to the park were in excess of $1.3 million, which comprised leadership gifts, naming opportunities and a long list of Friends of the Park.
Notable gifts include:
• Casey Pavilion, Made Possible by Roper St. Francis Healthcare
• Early Childhood Playground, Made Possible by Berkeley County
• School-Age Playground, Made Possible by Boeing
• Splash Creek, Made Possible by Berkeley County
• Park Office, Made Possible by Goose Creek Heating & Air
• Field & Stage, Made Possible by Home Telecom
• Walking Trail, Made Possible by Berkeley Electric Cooperative & Trident Construction
• Community Trail, Made Possible by Mungo Homes
• Eubanks Athletic Courts, Made Possible by Goose Creek Recreation Commission
There is still time to support the park with a general donation or sponsor a Tribute Bench in honor or memory of someone special. A gift of $1,500 reserves the right to honor or memorialize an individual, group, or organization with an inscribed plaque that will be placed on a park bench. To learn more about dedicating a park bench or donating, visit https://www.cognitoforms.com/CityOfGooseCreek1/ParkDonations.
For information on Central Creek Park, visit www.cityofgoosecreek.com/centralcreekpark.
GOOSE CREEK, S.C. (WCBD) – ‘Going green’ is not coming with the perks it promises for a Goose Creek woman.Tina Willis said she is paying thousands of extra dollars after her solar panels stopped working, and the company she bought them from went bankrupt.She’s also not the only one in this situation. The company, ‘Pink Energy,’ is at the center of over a thousand similar complaints, and is being investigated by the office of the North Carolina Attorney General.Many consumers, like Will...
GOOSE CREEK, S.C. (WCBD) – ‘Going green’ is not coming with the perks it promises for a Goose Creek woman.
Tina Willis said she is paying thousands of extra dollars after her solar panels stopped working, and the company she bought them from went bankrupt.
She’s also not the only one in this situation. The company, ‘Pink Energy,’ is at the center of over a thousand similar complaints, and is being investigated by the office of the North Carolina Attorney General.
Many consumers, like Willis, say they are stuck with faulty solar panels and left to cover costly repairs.
Willis said she was first approached about solar panels in November 2020. A Pink Energy salesman came to her house in Goose Creek with an enticing offer.
“They could virtually eliminate my electric bill and give me a solar payment that was equivalent to that electric bill,” Willis said. “So in essence I would just be swapping an electric bill for a solar payment.”
Her monthly payment is roughly $254. Willis signed one contract with Pink Energy and another with their recommended loan company.
“I entered into a $71,000 loan basically on what that salesman told me and promised me,” she said.
For the first two months after the system was turned on, she saw what they promised.
“I got negative electricity bills, which was fantastic,” said Willis.
It was the months after that concerned her.
A yellow light came on notifying her the solar panel system wasn’t working correctly.
“They fix it — then I’ve been without full service for a month,” she said. “Three days later it goes out again, and this goes on for all of 2021.”
Willis got a letter from Pink Energy and Generac, the company that supplies parts for solar panels. They explained there was an issue with her equipment.
Once it was fixed, she was told they replaced the bad parts with new ones. But shortly after, Willis said the problems continued.
“After nine months of this I went online because I started having trouble getting through to Pink Energy — started getting busy signals all the time,” she said.
Pink Energy went bankrupt and closed in early October. The company’s website points to “rampant customer discontent resulting from faulty Generac solar equipment.”
Generac officials told News 2 that some customers are having issues with their solar panels due to Pink Energy installations, not bad equipment.
Pink Energy filed a lawsuit against Generac over the issues. However, Willis said she is still obligated to pay back the $71,000 loan.
“I have paid over $8,000 for electricity — my light bill plus my solar bill since I got the panels,” she said.
The South Carolina Department of Consumer Affairs said they are aware of the company, but they could not comment.
Carri Grube Lybarker, a consumer advocate, has a few recommendations when it comes to purchasing solar or using third-party lenders.
“You just want to make sure you’re doing your good due diligence and background work when you’re spending your good-earned money,” she said.
Grube Lybarker recommends that consumers reach out to the Department of Consumer Affairs so they can look into the matter.
Moving forward, Willis said she will get a copy before signing anything and use her own lender. She also plans to work with an attorney to see what else can be done.
The News 2 Investigators tried to reach out to Pink Energy, but were unable to get in contact.
The company Willis got her loan through would not answer questions from News 2. Instead, a company representative said they encourage customers impacted by the Pink Energy bankruptcy to contact them directly.
By Grant Catuna, Currier Times Staff///“I remember it was third down and we only had 10 players on the field,” recalls Curry Football’s rookie running back, Montie Quinn, “and when I heard it was a run call I was just thinking, what if I score my first touchdown here. When I saw my offensive lineman make blocks and create the hole, I saw my chance and took it.”With that touchdown play on September 10th against the U.S. Coast Guard Academy, Quinn scored his first of many touchdowns at the collegiate...
By Grant Catuna, Currier Times Staff///
“I remember it was third down and we only had 10 players on the field,” recalls Curry Football’s rookie running back, Montie Quinn, “and when I heard it was a run call I was just thinking, what if I score my first touchdown here. When I saw my offensive lineman make blocks and create the hole, I saw my chance and took it.”
With that touchdown play on September 10th against the U.S. Coast Guard Academy, Quinn scored his first of many touchdowns at the collegiate level. “It was the best feeling ever, I couldn’t believe it.”
The 5-foot-9 back out of Goose Creek, S.C. discovered his love for the game at the age of 12. “I started off playing flag football until I was 15. Then I played youth football and have been in love with it ever since.”
With his love for the game comes discipline and seriousness which Quinn proved straight out of training camp this past August.
“He was willing to do whatever,” Head Coach Todd Parsons explains. “When he first got here we were debating whether we were gonna put him as a slot receiver or a running back.” With that being said, the coaching staff told Quinn to keep an eye in the playbook as both a receiver and a running back until further notice. “He has a good football IQ and was able to pick things up pretty quickly,” Parsons said.
Through the first nine games of the season, Montie Quinn has amassed 978 rushing yards, 152 receiving yards, and 436 yards from kickoff returns totalling an incredible 1,539 yards. His play thus far puts him fourth in the nation in all-purpose yards while being the only rookie to make the top 30.
From September 19th to October 17th, Quinn was the Commonwealth Coast Conference (CCC) Offensive Rookie of the Week for five consecutive weeks. On two separate occasions during this span, he was also named CCC Offensive Player of theWeek.
Quinn’s play this season has left many to question his future and whether he’d stay at Curry. However, Quinn silenced talks about the potential of transferring to another school saying, “No, I haven’t looked at any schools. I love playing for Curry and that’s where I plan on staying.”
With Quinn’s unquestionably great performance in his young career, Coach Parsons doesn’t want people to “forget the guys around him.”
“The offensive line has obviously done a tremendous job,” said Parsons. “And then guys in the skill positions like Gabe DeSouza and Maxx Bell who have had good seasons as receivers. It makes it so that it doesn’t allow people to just key in on just him.”
Quinn reflected the same sentiment saying, “My biggest strength on the field is my whole offense. They push me to do better no matter what, especially my offensive line.”
Athletic Director and former Assistant Football Coach, Vincent Eruzione, agrees that a team’s synergy is most important to winning games. However, Quinn’s early success excites Eruzione as he compares him to all-time rushing leader at Curry, Raphael Zammit.
“It’s funny, somebody asked me about Montie the other day and I said he reminds me of Raphael a lot,” Eruzione says. “He may have the opportunity to break a lot of those records.”
In comparison to other running backs he’s coached in the past, Parsons says “I don’t know if I’ve ever coached one that was quite as fast.” Parsons adds, “I’ve definitely coached a lot of really good running backs who were multidimensional, and he brings that to the table being able to catch the ball out of the back field. But, I don’t know anyone who’s had the same open-field speed as him.”
With such a quick and dominant style of play, it makes perfect sense that Quinn’s favorite player growing up was Pro Football Hall of Famer, Barry Sanders. “He made the game of football fun,” Quinn exclaims, “he made his opponents look sillyon the field because of his amazing juke moves.”
Now, Quinn is playing football at the same position as his favorite player — and like his favorite player, he’s making an impact. When asked about his ultimate goal for football, Quinn replied, “My goal is to make it to the NFL or somewhere I could play football just to make my family proud. I already do but I wanna make them happier than ever.”
Curry’s final game of the season is this Saturday, November 12th at Nichols College where Quinn and the team hope to close out their season with a win.