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Mortgage Broker in Goose Creek, SC

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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 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.

Service Areas
Mortgage Broker Goose Creek, SC
 Refinance Goose Creek, SC

Why Choose Dan Crance As Your Mortgage Lender in Goose Creek, 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 Goose Creek, SC

Home Financing in Goose Creek, 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 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.

 FHA Mortgages Goose Creek, 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 Goose Creek, SC.

Refinancing in
Goose Creek, 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 Goose Creek, 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 Goose Creek, 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 Goose Creek, 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 Goose Creek, 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 Goose Creek 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 Goose Creek, SC

Trust Dan Crance

Your Mortgage Lender in Goose Creek, 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 Goose Creek loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

Latest News in Goose Creek, SC

Goose Creek to break ground on new $9 million park

GOOSE CREEK, S.C. (WCSC) - The City of Goose Creek will be breaking ground on a new 13-acre park next month, and officials say it will have something for everyone.The new park is called Central Creek Park, and it will cost $9 million to build. The city will soon be breaking ground on a piece of land off Old Moncks Corner Road, near St. James Avenue, to build Central Creek Park.Recreation Director Crystal Reed said the park will cater to everyone.“The focus of this park is it’s going to be inclusive,” Re...

GOOSE CREEK, S.C. (WCSC) - The City of Goose Creek will be breaking ground on a new 13-acre park next month, and officials say it will have something for everyone.

The new park is called Central Creek Park, and it will cost $9 million to build. The city will soon be breaking ground on a piece of land off Old Moncks Corner Road, near St. James Avenue, to build Central Creek Park.

Recreation Director Crystal Reed said the park will cater to everyone.

“The focus of this park is it’s going to be inclusive,” Reed said. “We’re on a wellness mission, and inclusivity is our top priority.”

The park will be funded by just over $4 million in coronavirus relief money, $1.5 million from the city’s general fund and just under $3.5 million from hospitality taxes.

Reed said with that money, the park will be loaded with features.

“We’ll have a sand volleyball court, basketball court,” she said. “It will have a greenspace with a stage with a food truck area, so that people can have social gatherings.”

Other features in the park include pickleball courts, a pavilion that will host events and an all-inclusive playground for kids of all ages and abilities.

Sean June lives in Goose Creek and came out to play basketball with his friends next to where Central Creek Park will be. He said he can’t wait for it to be built.

“I was actually kind of shocked because I was talking to my friends,” he said. “I thought they were going to put apartments over there, but it will be a nice addition to the community.”

June also said he plans on using the basketball courts and the food truck area once the park eventually opens.

“Every weekend, there’s always a bunch of people behind playing basketball,” he said. “I’m pretty sure it’s a big staple in our community to have parks.”

Reed said the city’s focus on building parks, such as the recently opened John McCants Veterans Park, is to make sure people can get together outdoors.

“It’s really just a focus on creating community,” Reed said. “That’s why we’re doing it. We want people to have activities and places to go in their city where they don’t have to leave the city limits of Goose Creek.”

Officials said the groundbreaking is scheduled for March 31. That’s when they will reveal how this park will take shape.

Copyright 2022 WCSC. All rights reserved.

Proposed ordinance would allow Goose Creek residents to keep chickens

GOOSE CREEK, S.C. (WCSC) - Cayce Giddens has lived in Goose Creek for fifteen years. She said she and her family were getting stressed about the rising prices of groceries, inflation, and food shortage issues. So, they started talking about getting chickens to help ease that stress.“We talked about having chickens, and when we looked into what the city says about it, we found out they’re not allowed at all in Goose Creek, and that was shocking to find out,” Giddens said.Giddens started talking to some of her n...

GOOSE CREEK, S.C. (WCSC) - Cayce Giddens has lived in Goose Creek for fifteen years. She said she and her family were getting stressed about the rising prices of groceries, inflation, and food shortage issues. So, they started talking about getting chickens to help ease that stress.

“We talked about having chickens, and when we looked into what the city says about it, we found out they’re not allowed at all in Goose Creek, and that was shocking to find out,” Giddens said.

Giddens started talking to some of her neighbors and decided to start an online petition to try to get the City of Goose Creek to allow residents to have chickens. As of Monday morning, the petition had almost 300 signatures.

“We’re stressed out about food and providing for our families, and that chickens was an easy way to at least have those eggs in the background for their calorie content and their protein and just wanting to have that as an extra staple to supplement our groceries,” Giddens said.

She said the concerns she’s been hearing on the other side of the issue are about cleanliness.

“I think an ordinance is the best of both worlds,” Giddens said. “It gives people who want to own chickens that security of having that food, but it also gives people who don’t want to own chickens or worried about it a recourse to handle that if somebody’s not taking care of their property.”

According to the proposed ordinance, people cannot have hens without first obtaining an approved application and an annual compliance inspection and fee payment. Under the ordinance, roosters would not be allowed. One chicken per 2,500 square feet would be allowed, with a maximum of 4 chickens maximum regardless of lot size. Hens would not be allowed to be raised for commercial purposes.

The proposed ordinance says animal control or code enforcement officers may enter and inspect properties containing coops to investigate potential violations or compliance with the ordinance.

City of Goose Creek Public Information Officer Frank Johnson sent Live 5 News this statement regarding the proposed ordinance:

“At its June 14 meeting, Goose Creek City Council will consider an ordinance that would allow City residents who live in single-family homes to keep up to 4 chickens, depending on property size. The meeting will include discussion about the issue and a first reading vote. A City ordinance would not change or supersede existing HOA guidelines for residences governed by an HOA. Council members were approached by residents who are in favor of such an ordinance earlier this year.”

Council will discuss the proposed changes at Tuesday night’s council meeting at 6 p.m.

Copyright 2022 WCSC. All rights reserved.

Goose Creek allow chickens? Have your say!

GOOSE CREEK, S.C. (WCSC) - Cayce Giddens has lived in Goose Creek for fifteen years. She said she and her family were getting stressed about the rising prices of groceries, inflation, and food shortage issues. So, they started talking about getting chickens to help ease that stress.“We talked about having chickens, and when we looked into what the city says about it, we found out they’re not allowed at all in Goose Creek, and that was shocking to find out,” Giddens said.Giddens started talking to some of her n...

GOOSE CREEK, S.C. (WCSC) - Cayce Giddens has lived in Goose Creek for fifteen years. She said she and her family were getting stressed about the rising prices of groceries, inflation, and food shortage issues. So, they started talking about getting chickens to help ease that stress.

“We talked about having chickens, and when we looked into what the city says about it, we found out they’re not allowed at all in Goose Creek, and that was shocking to find out,” Giddens said.

Giddens started talking to some of her neighbors and decided to start an online petition to try to get the City of Goose Creek to allow residents to have chickens. As of Monday morning, the petition had almost 300 signatures.

“We’re stressed out about food and providing for our families, and that chickens was an easy way to at least have those eggs in the background for their calorie content and their protein and just wanting to have that as an extra staple to supplement our groceries,” Giddens said.

She said the concerns she’s been hearing on the other side of the issue are about cleanliness.

“I think an ordinance is the best of both worlds,” Giddens said. “It gives people who want to own chickens that security of having that food, but it also gives people who don’t want to own chickens or worried about it a recourse to handle that if somebody’s not taking care of their property.”

According to the proposed ordinance, people cannot have hens without first obtaining an approved application and an annual compliance inspection and fee payment. Under the ordinance, roosters would not be allowed. One chicken per 2,500 square feet would be allowed, with a maximum of 4 chickens maximum regardless of lot size. Hens would not be allowed to be raised for commercial purposes.

John C. says, "Private property rights are fundamental and Goose Creek is acting like a tyrannical HOA, not a reasonable municipal government."

The proposed ordinance says animal control or code enforcement officers may enter and inspect properties containing coops to investigate potential violations or compliance with the ordinance.

NOTE: Council will discuss the proposed changes at tonight’s council meeting at 6 p.m.

City of Goose Creek Public Information Officer Frank Johnson sent Live 5 News this statement regarding the proposed ordinance:

“At its June 14 meeting, Goose Creek City Council will consider an ordinance that would allow City residents who live in single-family homes to keep up to 4 chickens, depending on property size. The meeting will include discussion about the issue and a first reading vote. A City ordinance would not change or supersede existing HOA guidelines for residences governed by an HOA. Council members were approached by residents who are in favor of such an ordinance earlier this year.”

All-star season cranks up in youth softball, baseball

With the curtains coming up on summer, the stars are out: all-stars that it is.The South Carolina Athletic Programs Branch’s 10U all-star softball tournament cranked up Friday, June 10 at Felkel Field in Goose Creek, signaling the start of the all-star season for youth softball and baseball teams around the area.At press time, Moncks Corner and the City of Charleston were the lone two unbeatens in the SCAP Southern District tournament. Hanahan and North Charleston were both 2-1 going into an elimination game on June 13....

With the curtains coming up on summer, the stars are out: all-stars that it is.

The South Carolina Athletic Programs Branch’s 10U all-star softball tournament cranked up Friday, June 10 at Felkel Field in Goose Creek, signaling the start of the all-star season for youth softball and baseball teams around the area.

At press time, Moncks Corner and the City of Charleston were the lone two unbeatens in the SCAP Southern District tournament. Hanahan and North Charleston were both 2-1 going into an elimination game on June 13.

Moncks Corner’s squad knocked off Bluffton and Orangeburg on June 10-11 while the City of Charleston edged Hanahan and North Charleston. Both teams had the day off June 12. The championship will be decided June 15.

The SCAP 12U all-stars began their Southern District tournament June 11 at Wescott Park in North Charleston. Moncks Corner won its first two games and is in a winner’s bracket game on June 14. The winner advances to the June 15 championship game to await the squad which comes through the loser’s bracket.

The SCAP 8U Southern District tournament runs from June 13-16 in Moncks Corner. Hanahan, Moncks Corner, Bluffton and North Charleston are the four squads competing for the district title.

Southern District winners advance to the state tournament June 23-26 in North Augusta.

In a Dixie Youth District 7 all-star baseball tournament, Moncks Corner hosts the AA Coach Pitch all-stars from June 13-18. The 8U tournament could wrap up a day earlier if June 18 is not needed to decide the champion.

Parks Field, Wescott American, Hanahan American, Hanahan National, Moncks Corner and Wescott National are the six teams vying for a district championship and bid to the state tournament in July.

The Dixie Youth District 7 AAA baseball tournament is slated for Hanahan June 18-23, with a scheduled day off on June 19.

Mt. Pleasant and Hanahan, Moncks Corner and Goose Creek, and Wescott and Parks Field tangle with each other on the first day of the 10U tournament. St. Andrew’s receives a bye to June 20 and will meet the winner of Wescott and Parks Field.

District winners advance to the AAA state tournament in July.

The Dixie Youth District 7 Ozone tournament is slated for Wescott Park, with a scheduled day off on June 19.

Parks Field and Moncks Corner, Mt. Pleasant and Goose Creek, and North Charleston and Hanahan match up on the opening day of the 12U tournament. The North Charleston-Hanahan winner receives a bye to June 21.

Former Gators assistant Mullins wants to build consistent winner at Berkeley

New Berkeley High School boys basketball coach Matt Mullins believes a winner can be built on the hardwood in Moncks Corner. After all, it hasn’t been that long ago since the Stags played for all the marbles.“Berkeley has had some success recently,” Mullins said. “You don’t have to go that far back. They were in the state championship game (in 2018-19). Berkeley is rich in football tradition so you know you’ve got athletes to work with. You get some of those guys, work with them and you can get them...

New Berkeley High School boys basketball coach Matt Mullins believes a winner can be built on the hardwood in Moncks Corner. After all, it hasn’t been that long ago since the Stags played for all the marbles.

“Berkeley has had some success recently,” Mullins said. “You don’t have to go that far back. They were in the state championship game (in 2018-19). Berkeley is rich in football tradition so you know you’ve got athletes to work with. You get some of those guys, work with them and you can get them to another level.”

Mullins spent the last four seasons at Colleton County High School as the Cougars’ boys basketball coach, winning a pair of region championships. Four Cougars moved on to college ball and Mullins was region coach of the year once.

The opportunity in Walterboro was Mullins’ first top varsity job. Prior to Colleton County, Mullins assisted Blake Hall at Goose Creek High School for four seasons and worked three seasons as an assistant at alma mater First Baptist in Charleston. The Hurricanes won 25 games and a state title in 2012.

While he played for First Baptist in high school, Mullins grew up near Hanahan High School.

Mullins replaces Joe Wallace, who guided the Stags for 11 seasons. The Stags peaked in the 2018-19 season under Wallace, claiming their third straight region crown before advancing to the Class AAAAA state championship game. That squad, which lost to Dorman by seven points, holds the school record with 26 wins.

In three seasons since, though, the Stags have won just 13 games. A great deal of talent departed after Berkeley’s most magical campaign in basketball and the Stags have slumped to three straight losing seasons. Last winter, Berkeley won two games.

Mullins hit the ground running this month, aiming to reverse those fortunes with his new team. So far, he thinks he has a coachable group that wants to do what it takes to win.

“With me just getting named in the summer, I’m trying to get all the time with them I can,” he said. “Offensively, we’re going to adjust to what we have skill-wise. I’m not going to be hardheaded and say this is what we’re going to do no matter what. I’ve done a 5-out offense before and last year we had to play two traditional posts. Defensively is where I can be a little more hard-headed. I want to play man-to-man defense. I want to get after people on defense and feed off it offensively. I feel like teams who feed off their defense can be better in years when they aren’t as skilled on the other end.”

Mullins is looking forward to encountering Hall this season in Region 7-AAAAA play. He considers the Gators’ coach somewhat of a mentor.

“He’s definitely had a major influence on me as a coach,” Mullins said. “We did a lot of stuff at Colleton County that we did at Goose Creek. I tweaked what we did to fit our personnel. I think we only played each other in summer camps. It will be interesting to go up against him. He had a great impact on me as a coach.”

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