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.
The lone high school football game in Week 3 involving Berkeley County School District programs going toe-to-toe will be at Philip Simmons High School.The Iron Horses host Timberland High School in a matchup of two teams formerly in the same region. While Timberland stayed in Class AA, Philip Simmons was bumped up to Class AAA in the most recent South Carolina High School League realignment.Last year, the squads went to battle to determine the Region 6-AA champion and Philip Simmons came away with a 24-13 victory in St. Stephen...
The lone high school football game in Week 3 involving Berkeley County School District programs going toe-to-toe will be at Philip Simmons High School.
The Iron Horses host Timberland High School in a matchup of two teams formerly in the same region. While Timberland stayed in Class AA, Philip Simmons was bumped up to Class AAA in the most recent South Carolina High School League realignment.
Last year, the squads went to battle to determine the Region 6-AA champion and Philip Simmons came away with a 24-13 victory in St. Stephen. The region crown was the first for Philip Simmons, which flung its doors open in 2017.
The Iron Horses scored three touchdowns in the first half to build a 21-0 lead and coasted home with their eighth victory of the season. Philip Simmons went on to win two playoff games as the No. 1 seed out of the region.
The series is tied 2-2, with Timberland winning the first two and Philip Simmons the last two.
In addition to Philip Simmons, Cross and Stratford are also at home Friday. Stratford hosts Class AAAAA power Dutch Fork and Cross welcomes Scott’s Branch into town.
Dutch Fork had won five straight Class AAAAA crowns before losing to Gaffney in last season’s title game. Silver Foxes coach Tom Knotts is one of the best to ever lead a football program, having won 13 state titles. Knotts had seven crowns in North Carolina and has six with Dutch Fork.
Cross has won six of seven against Scott’s Branch.
Berkeley, Goose Creek and Hanahan are on the road. The Stags and Gators are on long win streaks against their Week 3 foes. Berkeley has won all nine meetings against West Ashley and Goose Creek has won eight in a row against Beaufort.
Sept. 9 Games
Goose Creek at Beaufort
Notes: Goose Creek has won eight straight in the series, including the last meeting in 2013… The Gators won, 48-7, that season under former coach Chuck Reedy… Goose Creek has won by average of just under 21 points in the current win streak over the Eagles… Beaufort played for the Class AAAA title last season and is now a Class AAA school.
Stratford vs. Dutch Fork
Notes: The two teams have played twice since 2005, with each team winning once … Dutch Fork won, 77-20, in the first round of the 2017 playoffs… Stratford won, 21-18, in the second round of the 2005 playoffs… The Silver Foxes had won five straight Class AAAAA titles and 62 games in a row before falling to Gaffney in the 2021 championship game… Dutch Fork coach Tom Knotts has 13 state titles, seven in North Carolina and six in South Carolina.
Hanahan at Lucy Beckham
Notes: First meeting between the two schools… Hanahan had an open date Sept. 2 after edging Berkeley, 22-17, with a defensive stand inside the 10-yard line on the last play of the game… Hawks coach Art Craig is eight wins away from 250 for his career… Lucy Beckham opened its doors in 2020.
Berkeley at West Ashley
Notes: Berkeley leads the all-time series, 9-0… The teams last played in 2018, with the Stags coasting by a score of 46-7… Berkeley has won all but two games in the series by at least 20 points, with the widest margin of victory being 52-7 in 2000.
Philip Simmons vs. Timberland
Notes: Philip Simmons has won two in a row over the Wolves, including 24-13 last season… The Iron Horses also won, 3-0, in 2020… Timberland won the first two meetings, 58-0 and 48-14… Philip Simmons was in Timberland’s Class AA region but has moved up to Class AAA.
Cross vs. Scott’s Branch
Notes: Cross has won six of the last seven meetings between the two schools… They last played in 2019, a 20-0 win for Cross… The shutout was Cross’s third in the series since 2014... Each team has topped 60 points against the other one time in the last seven meetings… Scott’s Branch won, 67-20, in 2018 and Cross won, 65-16, in 2012.
St. John’s Christian at Thomas Heyward
Notes: Thomas Heyward is 4-0 in the series since 2010 and won last season, 34-7… The Rebels have four straight SCISA championships.
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While the Goose Creek Gators remain the team to beat, it is possible that other teams in Region 6-AAAAA could find a way to unseat the defending champions.Goose Creek has the most talented team in the league, at least on paper. While there are holes to fill along the lines, at running back and at wide receiver, there are players on the roster that are ready to step up. Goose Creek should be the favorite to win a fourth consecutive region title.A likely challenger lurks at Cane Bay. Coach Russell Zehr has size and experience ret...
While the Goose Creek Gators remain the team to beat, it is possible that other teams in Region 6-AAAAA could find a way to unseat the defending champions.
Goose Creek has the most talented team in the league, at least on paper. While there are holes to fill along the lines, at running back and at wide receiver, there are players on the roster that are ready to step up. Goose Creek should be the favorite to win a fourth consecutive region title.
A likely challenger lurks at Cane Bay. Coach Russell Zehr has size and experience returning along the offensive and defensive lines. The Cobras also have the best running back in the region in junior TJ Wright.
Stratford returns experience at every level, and this should be coach Dennie McDaniel’s best team since taking over the program five years ago.
Wando and Berkeley will likely battle for the final playoff spot. Both won just two games last season.
HEAD COACH: Jason Winstead
2020 RECORD: 7-4
WHAT TO KNOW: Leading the way offensively is returning starting quarterback Drew Moore, a senior. Gone are three big weapons in running back Demetri Simmons, and receivers Khyon Smith and James Levine. Look for Maurion Scott and Davion Malloy to fill the void in the passing game. Both also could see carries in the run game.
Linebacker Aaron Bryant and defensive back Jordan Turner are the top returners on defense. That unit will get immediate help from transfers Kaine Moses (First Baptist) and Troy Reid (Berkeley), a linebacker and corner, respectively.
HEAD COACH: Russell Zehr
2021 RECORD: 9-3
WHAT TO KNOW: Running back T.J. Wright topped 1,000 yards rushing last season and is the most experienced skill position player on offense. The offensive line returns four starters, anchored by Kameron Durant and Andre Mitchell, but there will be a new quarterback in play this fall.
Senior linebacker Cam Avery anchors the defense and the front seven returns a wealth of experience. Early concerns will be in the secondary with a lot of first-year starters stepping into big roles.
HEAD COACH: Dennie McDaniel
2021 RECORD: 4-5
WHAT TO KNOW: McDaniel is 15-22 in his first four seasons at his alma mater, but the 2022 squad is easily his most talented yet.
The Knights have experience at quarterback in junior Jalen Barry, who started slow last year but grew into a solid performer by the end, leading Stratford to a playoff win over West Ashley. There is a bevy of talent in the skill positions but finding the right combination and getting those athletes on the field will be the early challenge. Seniors Jakai Robinson, Savionne Jones, Brenden Carter and Jayden Martino will be in the mix at the skill positions.
The Knights should be better overall defensively, led by linebackers Troy Gethers and Markel Holman, and end Dylan Loftis.
HEAD COACH: Rocco Adrian
2021 RECORD: 2-6
WHAT TO KNOW: The Warriors have some holes to fill offensively, especially with the loss of their best offensive threat, Des Loring.
Sophomore tight end Brock Feinberg is a quality player on offense. Linebacker Mikey Rosa will anchor what should be a solid defensive unit. Rosa and fellow linebacker Landon Berry combined for more than 100 tackles in 2021. Defensive lineman Skyler Surman is expected to be a key contributor up front. Carter Sullivan and Connor Theriault are leaders in the secondary.
HEAD COACH: Dr. Jerry Brown
2021 RECORD: 2-6
WHAT TO KNOW: Brown begins year two of his second stint as the head coach at Berkeley, looking to rebound from a dismal 2021 season.
The Stags will have some youth on the field, but the program still has quality athletes at all levels. McCrae Driggers returns as a junior and gained valuable experience at quarterback and should be a solid performer. Senior tackle Andrew Mims will be a leader up front.
Jovan Wigfall, a junior, and senior Storm Judy return as veteran linebackers on defense. Wigfall, at 6-3, 220-pounds is a developing junior prospect.
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, 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.
GOOSE CREEK, S.C. (WCSC) - Goose Creek resident Lisa Berry has lived in the West Greenview Acres neighborhood since 2004. She describes her neighborhood as “pretty quiet,” besides occasional traffic.She found out about a planned development that could be built right next to her home and was taken aback. To her understanding, a road was going to run adjacent to her home and go to Red Bank Road, and a playground with a parking lot was going to be built on the other side of her property. She said those plans were concerning....
GOOSE CREEK, S.C. (WCSC) - Goose Creek resident Lisa Berry has lived in the West Greenview Acres neighborhood since 2004. She describes her neighborhood as “pretty quiet,” besides occasional traffic.
She found out about a planned development that could be built right next to her home and was taken aback. To her understanding, a road was going to run adjacent to her home and go to Red Bank Road, and a playground with a parking lot was going to be built on the other side of her property. She said those plans were concerning.
She posted in a Facebook group for Goose Creek residents, trying to inform her neighbors about what was going on. She said she was inspired to speak up; and said there should be no more construction.
“I was driving down Red Bank Road, and by the rural fire department, they have a marquee; it’s a flashing sign that changes,” Berry said. “It said, ‘if not you, then who?”
Berry’s post got the attention of Mayor Greg Habib, who responded in his own post in the group. He said he felt the need to give an explanation about what their processes are, what they are trying to accomplish, and how growth is important.
Berry met with the mayor Wednesday morning, and she discovered that there was an updated plan. She said that now instead of a road next to her house, it is proposed to be a walking trail, and the playground plans have changed as well. Habib said it is going to be a mix of townhomes and single-family homes with a commercial element on Red Bank Road.
One of the concerns that Berry had was that the property floods. Habib said the only way the flooding problems are going to go away is if someone develops the property properly.
“I knew it had a flooding problem,” Habib said. “We told the developer when he first came to us, you have to address flooding in this area if you’re gonna do anything here, and what the developer has proposed is a stormwater plan that actually takes water from off the property onto his own property to mitigate the flooding problems that are there now.”
Now Berry said she is not opposed to development but wants it to be done in a smart way.
“We have to change,” Berry said. “We can’t just stay the same. I just want it to be an informed decision where all citizens understand what’s going on and can voice their concerns, and if we don’t share that information then people are left out.”
It is not the first time that development concerns have been expressed in rapidly growing Goose Creek, or in the Lowcountry. Goose Creek is now the 8th largest city in South Carolina.
“We’re 47,000 people,” Habib said. “We are not a small town in small-town America anymore.”
Habib said he often hears concerns about traffic issues. He said the greatest tool to reduce traffic is economic development and putting people and businesses closer together.
“We got traffic here,” Habib said. “How do you mitigate that? Well, understanding that not building anymore is not an option, so how do you then mitigate it there is your plan for it, you do it right, and you do it in a way that makes sense.”
Habib said there are over 5,000 homes entitled to go up in the city. Habib said some of those are going to create more traffic than others because they are on the outskirts of the city. Until there is commercial development there, those people will have to drive into the main commercial section of the city to get what they need. He said they need to get commercial development out to those areas as fast as they can to mitigate the traffic.
“If we’re gonna build houses, which we know we have to, we’re going to insist developers to build communities,” Habib said.
Habib said they cannot sit by as development happens. Instead, they need to participate in it and make it look like what they want it to be.
There will be a public hearing regarding the aforementioned planned development on July 5 at 6 p.m. at City Hall.
Copyright 2022 WCSC. All rights reserved.