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, S.C. (WCBD) – Several Goose Creek residents say they are concerned about a powder-like substance that has appeared on vehicles and outdoor furniture over the past several days.One neighbor who lives in the Persimmon Hill community described the substance as being sandy, gritty, and dust-like being emitted and traveling by air.“Is it toxic, harmful to breathe for human and animals? What about our water?” the resident asked.The white dusty emissions appear to be coming from the nearb...
GOOSE CREEK, S.C. (WCBD) – Several Goose Creek residents say they are concerned about a powder-like substance that has appeared on vehicles and outdoor furniture over the past several days.
One neighbor who lives in the Persimmon Hill community described the substance as being sandy, gritty, and dust-like being emitted and traveling by air.
“Is it toxic, harmful to breathe for human and animals? What about our water?” the resident asked.
The white dusty emissions appear to be coming from the nearby Century Aluminum plant.
Goose Creek Mayor Greg Habib said in a message to residents that he and State Representative Brandon Cox met with leadership at the plant on Monday to get a better picture of what the dust may be, why it is leaving the plant, and when the problem should be solved.
“The white dust is Alumina dust, which is produced during the smelting process. Alumina dust is not supposed to leave the plant. In fact, the retention of Alumina is an important part of the plant’s ability to make more aluminum,” Mayor Habib explained.
Century Aluminum believes the emissions are connected to an “unusual failure” in the plant’s baghouse. Mayor Habib explained that exhaust from the manufacturing process runs through a scrubber to clean the air, and the Alumina dust is collected into the bags in the baghouse.
The dust is then taken and reintroduced into the manufacturing process to make aluminum.
But while Century Aluminum is not certain of the failure, Mayor Habib said the plant is looking at two possibilities.
First, the mayor said there was a change in suppliers for the filter being used in the baghouse. “Century knows that on three occasions a very small portion of the bags failed. They are currently investigating another batch of bags that will be replaced as a warranty issue,” he said.
The second possibility could be connected to recent “episodes of high pressure” in the baghouse. “Century believes these episodes combined with the failing bags are resulting in the emission problems over the past several months,” said Mayor Habib.
Mayor Habib said Century Aluminum reported the issues to the South Carolina Department of Health and Environmental Control and is working with the state health agency and technical experts in the field to solve the problems.
“DHEC has two toxicologists in their Charleston office who are familiar with Century Aluminum and aluminum oxide. They have employed three full-time employees in the bag house to identify problems, and they keep a contractor onsite 24 hours a day to address any further issues that may occur. They are soon going to be able to return to their original bag supplier. Finally, they have recruited technical consultants to help them identify the pressure problem,” said Mayor Habib.
Mayor Habib said Century Aluminum has assured his office that they are working diligently to address the emission issues. “I am confident that Century Aluminum has been transparent with me and DHEC. We are hopeful they will have a resolution soon, and we expect to receive an update from DHEC,” he said.
He said that during the 40 years in which the aluminum smelter has operated in the Goose Creek community, there has not been another issue related to emissions from the plant.
Mayor Habib said that he has requested a town hall event with Century Aluminum and DHEC to address the emissions issue and related health risks.
DHEC later told News 2 that its staff is investigating and has both been at the facility and in the community to gather information. “We are working closely with the facility to develop an immediate corrective action plan,” the agency said.
According to DHEC, alumina dust is not considered a hazardous substance. “The particle size of the dust being seen in the community is large and therefore too big to enter human lungs; however, it can still irritate your skin, eyes, and nose, and can be a respiratory irritant after prolonged exposure.”
The state health agency is deploying portable air sensors to measure any smaller, breathable particulate matter, called “fine particulate matter” (or PM2.5) in the area.
Community members can access the real-time data by clicking the links below. DHEC staff is in the process of setting up the sensors.
DHEC says data will represent all particulate matter (PM) in the area, not just the PM from a single source or single facility. “There can be many different sources of PM emissions within an area. The data from these sensors will help us identify any air quality trends in the community,” health officials said.
News 2 also reached out to Century Aluminum. We are waiting to hear back.
CHARLESTON, S.C. (WCSC) - The South Carolina Department of Health and Environmental Control is now investigating complaints about a white dust produced by an aluminum plant that has caused complaints and worries for Goose Creek residents.Alumina dust is a gritty substance people who live near the Mount Holly Century Aluminum Plant say coats vehicles, plants, mailboxes and anything else outside in areas across Goose Creek. It is produced during the smelting process but is not supposed to leave the plant, a problem DHEC is now looking i...
CHARLESTON, S.C. (WCSC) - The South Carolina Department of Health and Environmental Control is now investigating complaints about a white dust produced by an aluminum plant that has caused complaints and worries for Goose Creek residents.
Alumina dust is a gritty substance people who live near the Mount Holly Century Aluminum Plant say coats vehicles, plants, mailboxes and anything else outside in areas across Goose Creek. It is produced during the smelting process but is not supposed to leave the plant, a problem DHEC is now looking into.
The Mount Holly aluminum smelter has been operating for more than 40 years. But some neighbors say it is recent emissions from the plant that they’re not getting answers about, making them worry about their health.
“It looks like someone has taken baby powder and just shook it all over the cars,” Jackie Davis Pfister, who lives in Goose Creek, says. “It’s gritty. It’s baking into our cars.”
Davis Pfister says this entire process has just been a nightmare and says she’s not the only one who is frustrated. There are multiple posts on Facebook that have garnered hundreds of comments about the same thing.
“It needs to be more addressed than it has been,” Goose Creek resident Marilyn Leegette says. “I wish DHEC would send out some kind of hazard report so people can make themselves educated about what this can do to them.”
DHEC confirmed agents have been to the facility and in the community to gather information as part of their investigation. They say they are working closely with the facility to develop an immediate corrective action plan.
Jonathan Brown, Century Aluminum’s Environmental, Health, and Safety Manager, confirmed that Century believes the emissions may be caused by an unusual failure in the plant’s baghouse. The plant is not 100% sure of the reason for the failure, but are looking at two potential possibilities. One is that a recent change of suppliers for the filters in the baghouse took place, and Century knows that on three occasions a very small portion of the bags failed. The second possibility is recent episodes of high pressure in the bag house.
Brown says Century is working diligently to address these emission issues.
On Monday, Century confirmed they had four “events.” One happened on Sept. 3, two on Sept. 16 and another on Sept. 30. Century says the issue will be fixed by Oct. 17.
But those in the community are worried about their health with some people reporting problems like rashes and difficulty breathing.
“It’s very concerning for me,” Leegette says. “I believe honestly that if there are short-term effects that are showing, there has got to be long-term effects as well.”
“If we could just know what type of air we’re breathing: Is it dangerous to us? I think we just want to know the answer,” Davis Pfister says.
DHEC says alumina dust is not considered a hazardous substance. The particle size of the dust being seen in the community is large and therefore too big to enter human lungs; however, it can still irritate skin, eyes, and the nose, and can be a respiratory irritant after prolonged exposure.
DHEC has also deployed portable air sensors in the area to measure any smaller, breathable particulate matter, called “fine particulate matter.”
DHEC says it’s important to know that the data will represent all particulate matter in the area, not just from a single source or single facility. There can be many different sources of particulate matter emissions within an area. The data from these sensors will help the agency identify any air quality trends in the community.
After an inquiry into the issue, the city of Goose Creek set up a town hall meeting with Century Aluminum and DHEC representatives for Monday at 6 p.m. at City Hall. Mayor Greg Habib will moderate this discussion, which will include questions from attendees. Experts in toxicology, air quality and public health from DHEC will join Century Aluminum leaders who will discuss the issue of excess emissions at the plant, and the plan to fix this problem.
Century says they have set up a website where residents should report their personal situation. They can also call a hotline number at 312-696-3131.
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GOOSE CREEK, S.C. (WCIV) — People who live in Goose Creek have been complaining for weeks about a white powder-like substance in the air- identified as alumina dust.They said it’s been covering their cars and homes, and even making it hard to breathe.Monday night, Goose Creek residents heard from health and environmental experts for the first time about the issue, and their plan to fix it.Century Aluminum addresses alumina dust concerns in Goose Creek: Promises resolution in 10 days. Community town hall held ...
GOOSE CREEK, S.C. (WCIV) — People who live in Goose Creek have been complaining for weeks about a white powder-like substance in the air- identified as alumina dust.
They said it’s been covering their cars and homes, and even making it hard to breathe.
Monday night, Goose Creek residents heard from health and environmental experts for the first time about the issue, and their plan to fix it.
Century Aluminum addresses alumina dust concerns in Goose Creek: Promises resolution in 10 days. Community town hall held Oct. 9, 2023. (WCIV)
They were also able to ask representatives from Century Aluminum and the South Carolina Department of Health and Environmental Control (DHEC) questions
Some told News 4 before the meeting started they were just looking for transparency.
“First, we’re sorry. I understand your concerns and frustrations, but we also appreciate your patience. We will fix this issue,” said Dennis Harbath, the plant manager at Century Aluminum.
Century Aluminum said the release of alumina dust in Goose Creek first happened because of accelerated bag failures. They said they’re replacing the failed bags and expect their action plan to take 10 days to solve the problem.
But people who live in the area are still concerned.
“I’m exhausted all the time, I get headaches, you know, my eyes burn. It’s just been a total nightmare,” said Jackie Davis Pfister.
Pfister lives in Goose Creek, and people like her who have preexisting conditions like asthma are worried about long-term effects.
“Before I never really had to use my inhaler except for when I was sick or overexerted myself, that was the only time I used it, but now it’s just a regular basis, three to five times [per day],” she said.
DHEC said there is a certain type of aluminum oxide particles they’re keeping their eye on.
“What we were most concerned about is actually the smaller particles that you could actually breathe in and actually get into your lungs. So, for that reason we did put out some air sensors,” said Rhonda Thompson, the Bureau of Air Quality chief for DHEC.
But she said the readings from their sensors have been very low so far.
Other questions came from the crowd: Why didn’t the plant shut down when the leak first happened? And, how will aluminum oxide affect animals, and not just people?
But Monday’s experts said they couldn’t answer some of those questions, leaving many frustrated.
Statistics from the DHEC air sensors and the area’s current air quality can be found on DHEC's website.
People can also go to mthollyupdates.com for more information from Century Aluminum, including how the plant is working to solve this issue.
A new residential development slated for the northern edge of Goose Creek could bring nearly 1,000 new housing units....
A new residential development slated for the northern edge of Goose Creek could bring nearly 1,000 new housing units.
South Carolina’s eighth-largest city is poised to annex a 515-acre parcel on U.S. Highway 52 north of Medway Road, where new single-family homes would be built.
Goose Creek also plans to change the land use on 37 acres between Medway and Montague Plantation roads to allow a mixed-use development.
The larger property, called the Medway Tract, would include 425 single-family houses and 200 age-restricted homes.
The smaller Monarch Tract could have 240 apartments, 71 townhomes and 53,000 square feet of commercial space.
The projects are part of the Laurel Bay planned development making its way through the city approval process.
The 515-acre parcel is owned by Rye-Build LLC of Florida, which paid $4 million for the Medway Tract in 2021, according to Berkeley County land records.
The smaller site would include a commercial development with 46,000 square feet of retail space, including a 30,000-square-foot grocery store and 7,000 square feet set aside for office space. It would sit off Montague Plantation Road at Orangetip Drive.
The small commercial node, which includes the proposed multifamily structures, is currently zoned for general commercial use. The developer, Eastwood Construction Partners, is asking to change that to a planned development as part of the Laurel Bay project.
Homes would not be built on the entire 515-acre Medway parcel. Plans show residences on about 258 acres since part of the tract is wetlands, some of which the city is asking to be placed under a conservation easement.
Eastwood Homes is expected to develop most of the single-family homes, according to Goose Creek Mayor Greg Habib. Sunburst Properties of Tallahassee will likely build planned patio homes.
“It’s going to be a really nice neighborhood with a lot of open space,” Habib said.
Eastwood division president Dion Matheney expects construction on homes to begin in about 24 months. The townhome development is already under construction on the smaller parcel.
“We are trying to get the planned unit development approved for the density and will then start working on the design when we know how many homes will be allowed,” Matheney said.
He also noted some commercial development will occur in the initial phase as the homes in Laurel Bay begin construction.
Habib said the proposed expansion of Goose Creek’s borders is in keeping with his administration’s goal to attract more economic activity to the city of about 48,000 residents.
“Growth is absolutely necessary,” he said. “Until someone invents an economy not based on growth, that’s what we have. You have to grow. It’s how we continue to provide services at a high level.”
He said the city has been working with the developer for about two years to come up with a design that minimizes the effects of additional traffic, phases in commercial development and calls for a higher design standard than what’s required under the existing rules.
The commercial area, including a future supermarket, “is absolutely something we want there,” Habib said. “We’ve had conversations with three potential grocers, but nothing to announce. It’s still early.”
The town’s economic development director also cited the importance of growing the city and adding commercial entities to its northern sector.
GOOSE CREEK, S.C. (WCIV) — It's alumnia dust, and it's becoming a nuisance in Goose Creek.People who live near the Century Aluminum Plant say the particles are covering cars and raising concerns over possible health issues."You can actually pick up piles of it, and that's probably not a good thing," Nat Miranda said.Goose Creek residents grapple with alumina dust from local aluminum plant (WCIV)Read more: ...
GOOSE CREEK, S.C. (WCIV) — It's alumnia dust, and it's becoming a nuisance in Goose Creek.
People who live near the Century Aluminum Plant say the particles are covering cars and raising concerns over possible health issues.
"You can actually pick up piles of it, and that's probably not a good thing," Nat Miranda said.
Goose Creek residents grapple with alumina dust from local aluminum plant (WCIV)
Miranda said this dust covering his car had been a problem for weeks.
"I mean, they've been a great neighbor for years now," Miranda said. "They need to take some steps to address it and make sure that we feel comfortable with them around still."
Goose Creek Mayor Greg Habib said he's been in contact with the plant. He explained the problem is with the Century's baghouse. And DHEC tells him the dust isn't a health issue.
"DHEC does not see this as a public health issue," Habib said. "There's a big difference between exposure and chronic exposure. Chronic exposure is constant exposure over a long period of time, and no one is experiencing that at this point."
Mayor Habib said he's been in contact with state leaders discussing the issue.
"The governor's office reported back to me what they learned," he said. "DHEC is in the area today and tomorrow with air quality testing measures to measure and see what exactly what the air quality issues are."
As for a timeline to get the issue fixed, it won't take more than a few weeks.
"Now as they have gained more information over the last couple of days, they feel like they have a solution that hopefully won't take more than a week or two," he said. "I know that they are working diligently to get it fixed as fast as they can."
In the meantime, both parties said they want to see transparency.
"They told the regulators when it happened," Miranda said. "What about telling the community? I mean, obviously, it's something that we can see, so how about you say, Hey, we had a problem."
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Habib added: "People wanna see transparency. and we continue to work to get that. I think that we have to figure out as a, as a governmental agency, d e C and us and Century Aluminum as a corporate entity, um, to communicate maybe a little bit faster than we have, um, about what the issues are."