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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

Inclusive park opens in Goose Creek: ‘It’s just such a huge win for our community’

A brand-new park opened in Goose Creek on Friday with the focus of being “a park built for everyone.”GOOSE CREEK, S.C. (WCSC) - A brand-new park opened in Goose Creek on Friday with the focus of being “a park built for everyone.”The $9 million project, Central Creek Park, hopes to be inclusive towards everyone with volleyball and basketball courts, a splash pad, a food truck pavilion and pickleball courts.Over 26,000 square-feet, ‘Debra’s Playground’ will offer a wide range of ac...

A brand-new park opened in Goose Creek on Friday with the focus of being “a park built for everyone.”

GOOSE CREEK, S.C. (WCSC) - A brand-new park opened in Goose Creek on Friday with the focus of being “a park built for everyone.”

The $9 million project, Central Creek Park, hopes to be inclusive towards everyone with volleyball and basketball courts, a splash pad, a food truck pavilion and pickleball courts.

Over 26,000 square-feet, ‘Debra’s Playground’ will offer a wide range of accessible activities for people with physical or visual disabilities. The surfacing is all wheelchair accessible, and the equipment is based on sensory items for everyone to enjoy.

Families who include children with disabilities were the first invited to play at the park after this morning’s ribbon cutting. Nicole Valentine, mother to her special needs daughter, says other parks have never really been concerned about including all the different aspects of sensory play before.

“It’s never really kept in mind the heart of all children to be fully inclusive, and even down to having the fence around for those kids who love to run,” Valentine says. “It’s very important and it does so much for parent’s safety concerns to be able to just come here, and you almost get a little bit of relief watching your children play and not be so stressed out.”

The City of Goose Creek hosted a tribute to the donors of the park ahead of the ribbon cutting ceremony. Goose Creek Recreation Director Crystal Reed addressed the city and sponsors after working for months on the development.

“Central Creek Park sets our community apart and creates opportunities to remove barriers, increase self-esteem, develop community culture where everyone benefits from health, fitness and social connections,” Crystal says. “Thousands of children and adults across Berkeley County of all abilities have benefited from our therapeutic recreation program over the past several years; because of you, we just raised the bar with Central Creek Park.”

Parents of children with special needs say that it means the world to them to see their children experience a park they can truly enjoy. Kathy Kackley, parent to Trista Kutceher, travel the U.S. together promoting inclusivity in parks and compared other parks to Central Creek Park.

“There’s something here for everyone; there’s something here everyone can do,” Kackley says. “We like to be inclusive in our play and in our life, and we are very appreciative that Goose Creek has stepped up and has a place for everybody to play together.”

Goose Creek Assistant Recreation Director, Nicole Herrera Murray, explains how the city worked to choose specific pieces of equipment for special needs children to use. After planning and researching for months, she says Friday was a dream come true.

“I’ve been dreaming of this day for a really long time. It’s really amazing to see everyone enjoying and hearing the screams behind us is just everything that I’ve ever wanted,” Murray says.

The public is invited to join in on the fun Friday from 5 p.m. to 9 p.m. or Saturday from 11 a.m. to 2 p.m. at 47 Old Moncks Corner Rd.

Copyright 2022 WCSC. All rights reserved.

Strangers gift over $2K to Goose Creek man looking for work after cash stolen

GOOSE CREEK, S.C. (WCSC) - Christmas came early for a young man in Goose Creek but not before a couple of Grinches got in the way.After realizing he dropped more than $1,700 in cash while riding his motorcycle down Highway 52 as he was headed to the store, 20-year-old Kyle Kons got to his destination Wednesday afternoon only to find his money missing. He retraced his steps to see several cars pulled over on the side of the highway - people were grabbing his cash and driving off.“By the time I got there, the last car was p...

GOOSE CREEK, S.C. (WCSC) - Christmas came early for a young man in Goose Creek but not before a couple of Grinches got in the way.

After realizing he dropped more than $1,700 in cash while riding his motorcycle down Highway 52 as he was headed to the store, 20-year-old Kyle Kons got to his destination Wednesday afternoon only to find his money missing. He retraced his steps to see several cars pulled over on the side of the highway - people were grabbing his cash and driving off.

“By the time I got there, the last car was pulling off,” Kons says. “I felt hopeless. I thought ‘I’ll never get this money back.’”

Kons says he had just bought a car with the cash and had put the leftover money in an envelope from the bank.

“I thought my front jacket pocket was zipped up all the way, but I guess not,” he says. “I thought I had felt something fall out and hit my leg, but I didn’t question it because nobody behind me was stopping.”

“My heart sunk. I felt like I was the laughingstock of the town,” Kons says. He says he moved to Goose Creek last year for his career in the Navy. He’s currently a Petty Officer.

In a Facebook post of his own in the group, Kons wrote, in part:

“I didn’t realize my money was gone until I arrived at Walmart, and by the time I got there, the last car was scooping up my money… I ask people to be decent human beings and return the money to the owner. I earned that money that you got for free.”

In addition to expressing his frustrations, Kons left his phone number on the post to see if anyone had extra work, so he could earn some money during the Christmas weekend.

He says he never would have thought the community would use his phone number to find his payment apps, like Venmo, CashApp and Zelle, and gift him his money back… and then some.

“I came home from work Thursday, and I had $300 in my account,” Kons says. “I was like ‘no way,’ and it was maybe five people total at the time sending money and saying ‘this sucks but have a great Christmas.’ I was so touched, like, oh my gosh, thank you, thank you, thank you!”

Kons says most of the payments appeared to be coming from other military members in the area. The payments ranged from a couple of dollars to $250.

In total, Kons tells us he’s been sent over $2,000 through the payment apps, and he doesn’t want to get any more notifications or payments.

He spent Friday with his roommates, John VanTatenhove and Tyler Roton, picking up litter on Highway 52 where he lost his money as a way of giving back to the Goose Creek community.

Copyright 2022 WCSC. All rights reserved.

Goose Creek girls have eyes on playoffs

First-year Goose Creek High School girls basketball coach Jabari Deas knows fully what is considered normal for the Lady Gators during the winter.Under former coach Tim Baldwin, Goose Creek won four state titles, tons of region titles and struck fear in local opponents. For the Lady Gators to win 20 games and make a deep run in the playoffs was a given.Including preseason tournament games, Deas and the Lady Gators are 5-5 against a tough non-region slate this winter. They had won three of four before falling to a Class AAA powe...

First-year Goose Creek High School girls basketball coach Jabari Deas knows fully what is considered normal for the Lady Gators during the winter.

Under former coach Tim Baldwin, Goose Creek won four state titles, tons of region titles and struck fear in local opponents. For the Lady Gators to win 20 games and make a deep run in the playoffs was a given.

Including preseason tournament games, Deas and the Lady Gators are 5-5 against a tough non-region slate this winter. They had won three of four before falling to a Class AAA power, Philip Simmons, on Dec. 14.

“It’s been great to have the opportunity to coach at such a tradition-rich basketball school like Goose Creek,” Deas said. “It’s something I don’t take for granted. Since I’ve been here, the girls have bought into me. They’ve embraced my style of play. We’ve had some lumps along the way and some adversity but they’re giving me their heart and soul. They’ve given me everything I can ask for.”

The record is misleading considering Deas and company has only dropped games to ranked teams. They’ve not come up short against any average teams. The Gators have been their best when things are clicking on both ends of the floor.

“We’ve been really good defensively,” Deas said. “We’re going to hang our hat on that. I like to apply a lot of pressure. If our defense is on, that can help us some nights when our offense isn’t. We’ve had some pretty good nights. That has helped keep us in most of our games when we’ve been stagnant on offense.”

Last winter, Goose Creek was 5-18 overall and 1-7 in the region to miss the playoffs for the second straight year. So, to be 5-5 before Christmas is progress.

“We want to get back to the postseason,” Deas said. “We want to get back to that level of normalcy for Goose Creek basketball. It’s normal for us to be in the playoffs. It’s normal for us to win playoff games. We want to get back to Lady Gators basketball.”

Goose Creek last won a state title in 2020. Cane Bay is the defending region champion, coming in ahead of region runner-up Stratford.

“We’re in a tough region but we’re going to compete and fight with you every night,” Deas said.

The Gators have several lettermen returning as they aim to break into the postseason scene again.

Tentative date set for opening of Goose Creek park

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.

Winter Storm Elliott’s effects on the Lowcountry

As clean-up efforts begin in Buffalo after the deadly blizzard hit last Friday folks that live there are not the only ones affected.CHARLESTON, S.C. (WCSC) - As clean-up efforts begin in Buffalo, New York after the deadly blizzard hit last Friday, folks that live there are not the only ones affected. Some have families that live right here in the Lowcountry.“She mentioned to me, she ...

As clean-up efforts begin in Buffalo after the deadly blizzard hit last Friday folks that live there are not the only ones affected.

CHARLESTON, S.C. (WCSC) - As clean-up efforts begin in Buffalo, New York after the deadly blizzard hit last Friday, folks that live there are not the only ones affected. Some have families that live right here in the Lowcountry.

“She mentioned to me, she said, ‘By the way, if you haven’t been following the news, we have what they’re calling a ‘cataclysmic blizzard’ headed our way,’ Heather Lord, who lives in Goose Creek, said.

She heard this on the phone from her sister in Buffalo, New York this past week. She lives there with her husband, Brian Mach.

“Friday morning it was light out and you didn’t see a person walking, a car driving,” Mach said. “Everybody was aware of it, and it felt like, is the end of the world coming? Because there’s nothing going on.”

Mach says the blizzard was so intense that you couldn’t see just a few yards in front of you. He says it was probably 48 to 60 hours straight of 70 mph winds. He compares it to the strength of a hurricane, like the Lowcountry often experiences.

“I would guess probably a three or four would be equivalent to what we went through,” Mach said.

Lord says the preparation is comparable.

“The thing is here, locally, when we are told it’s time to evacuate, I mean, we get on the road,” Lord said.

Mach says the anticipation makes you think.

“That doesn’t diminish the fact that when it hits, you think, everybody thinks, ‘Oh, I’ll survive this,’” Mach said. “But when it hits and you’re in the middle of it, everybody, I think, has second thoughts.”

“They can result in something catastrophic,” Lord said. “They can result in death.”

The death toll in Buffalo has risen to at least 40 people from Winter Storm Elliott and authorities are still searching for more bodies that may be under snow.

Fortunately for this family, they say they are okay.

“They’re going to do their very best to make sure they’re out of harm’s way,” Lord said. “But again, accidents can happen. I was just very thankful, as he said, that my sister didn’t have to go to work on Friday. That could’ve been, that could’ve been catastrophic.”

Mach says he spends at least two to three hours a day outside shoveling snow and plans to keep doing it for the next couple days. Both of them say they’re going to stay in contact in hopes that Buffalo has seen the last of a major snowstorm for quite some time.

Copyright 2022 WCSC. All rights reserved.

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