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 Grant-Valkaria, FL, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Grant-Valkaria'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 Grant-Valkaria, 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.
Ask Dan Anything843-478-5612At 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 Grant-Valkaria, 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 Grant-Valkaria, 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).
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 Grant-Valkaria, FL.
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 Grant-Valkaria, FL - 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.
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 Grant-Valkaria loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANImageClean Vessel ActIn 1992, the Clean Vessel Act was signed into law to reduce water pollution by prohibiting vessels from discharging raw sewage into fresh water or coastal saltwater. The act established a federal grant program, administered by the U.S. Fish and Wildlife Service, to fund sewage disposal facilities.To date, the federal grant program has awarded nearly $246 million to help boaters properly dispose of sewage.Clean Vessel Act Grant ProgramIn Florida, the Cle...
Image
Clean Vessel Act
In 1992, the Clean Vessel Act was signed into law to reduce water pollution by prohibiting vessels from discharging raw sewage into fresh water or coastal saltwater. The act established a federal grant program, administered by the U.S. Fish and Wildlife Service, to fund sewage disposal facilities.
To date, the federal grant program has awarded nearly $246 million to help boaters properly dispose of sewage.
Clean Vessel Act Grant Program
In Florida, the Clean Vessel Act Grant Program is housed within the Florida Department of Environmental Protection. Since 1994, DEP has provided grants to marinas across the state to install pumpout facilities and to purchase pumpout vessels. To further improve water quality in Florida’s waterways, DEP’s Clean Boater Program funds educational programs for boaters through the Clean Vessel Act grant.
Apply for a Clean Vessel Act pumpout grant and learn about DEP training resources.
Image
Florida boaters now have access to the free interactive mobile app, Pumpout Nav, available on iOS and Android, to locate over 250 publicly available pumpouts, portable toilet dump stations and mobile pumpout vessels throughout the state. Use the app to:
Pumpout Navigation App flyers are available to print and post at your facility.
The Florida DEP Clean Vessel Act Grant Program, in partnership with the Florida Sea Grant, develops tools and resources that empower the boating community to properly dispose of waste and keep our water clean.
The Build America, Buy America Act was enacted on Nov. 15, 2021, as part of the Infrastructure Investment and Jobs Act (IIJA), Public Law 117-58. With the passage of the IIJA, federal financial assistance projects for infrastructure must comply with domestic content procurement preference requirements established in the “Build America, Buy America Act” at Section 70911 et seq. For more information, see Build America, Buy America presentation. A printable Build America, Buy America fact sheet is also available for download.
ImageDWRA’s Water Quality Improvement Grant Program (formerly the Wastewater Grant Program) provides funding to Florida's governmental entities (cities, counties, municipalities, etc.) to address wastewater (including septic to sewer), stormwater and agricultural sources of nutrients in waterbodies that are not attaining nutrient or nutrient-related standards, have an established total maximum daily load or are located within a basin management action plan area, a reasonable assurance plan area, an accepted alte...
Image
DWRA’s Water Quality Improvement Grant Program (formerly the Wastewater Grant Program) provides funding to Florida's governmental entities (cities, counties, municipalities, etc.) to address wastewater (including septic to sewer), stormwater and agricultural sources of nutrients in waterbodies that are not attaining nutrient or nutrient-related standards, have an established total maximum daily load or are located within a basin management action plan area, a reasonable assurance plan area, an accepted alternative restoration plan area, or a rural area of opportunity under s. 288.0656.
Project proposals need to be submitted online on the Protecting Florida Together Water Quality Grants portal, which opens after Florida's Legislative Session ends.
Financial assistance is available to Florida's governmental entities for projects that have an established total maximum daily load or are located within a basin management action plan area, a reasonable assurance plan area, an accepted alternative restoration plan area, or a rural area of opportunity under s. 288.0656, which will individually or collectively reduce excess nutrient pollution:
Priority will be given to projects that:
Mitch Holmes, Environmental AdministratorWater Quality Improvement Grant Program Marjory Stoneman Douglas Building, 4th Floor3900 Commonwealth Blvd., MS 3602 Tallahassee, FL 32399
Name | Position | Phone Number |
---|---|---|
Mitch Holmes | Environmental Administrator | 850-245-2963 |
Alexander Robson | Grant Writer/Manager | 850-245-2817 |
Kyleigh Revis | Grant Writer/Manager | 850-245-2198 |
Michelle Ramirez | Grant Writer/Manager | 850-245-2818 |
Cameron McMahan | Grant Writer/Manager | 850-245-2944 |
Milica Jovanov | Grant Writer/Manager | 850-245-2852 |
Daronathan Do | Grant Writer/Manager | 850-245-2860 |
Shane Doran | Grant Writer/Manager | 850-245-2893 |
Benjamin Morrow | Grant Writer/Manager | 850-245-2086 |