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Mortgage Broker in Greenville, 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 Greenville, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.

My name is Dan Crance - Greenville'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 Greenville, 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 Greenville, SC
 Refinance Greenville, SC

Why Choose Dan Crance As Your Mortgage Lender in Greenville, 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 Greenville, SC

Home Financing in Greenville, 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 Greenville, 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 Greenville, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.

 FHA Mortgages Greenville, 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 Greenville, SC.

Refinancing in
Greenville, 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 Greenville, 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 Greenville, 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 Greenville, 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 Greenville, 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 Greenville 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 Greenville, SC

Trust Dan Crance

Your Mortgage Lender in Greenville, 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 Greenville loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

Latest News in Greenville, SC

Greenville County passes new rules for septic tank use, hoping to slow subdivision growth

GREENVILLE, S.C. (FOX Carolina) - Greenville County leaders held the first council meeting of 2024 Tuesday night, kicking things off with a new policy that could tackle a big issue in the county--rural development.Members voting 11 to 1, approved a new policy for septic tank use. It all has to do with subdivisions.“The days of 200 and 300 house subdivisions on septic tanks-- this basically will eliminate that,” said Councilman Ennis Fant, District 25.Developers are building on land without sewer lines and add...

GREENVILLE, S.C. (FOX Carolina) - Greenville County leaders held the first council meeting of 2024 Tuesday night, kicking things off with a new policy that could tackle a big issue in the county--rural development.

Members voting 11 to 1, approved a new policy for septic tank use. It all has to do with subdivisions.

“The days of 200 and 300 house subdivisions on septic tanks-- this basically will eliminate that,” said Councilman Ennis Fant, District 25.

Developers are building on land without sewer lines and adding septic tanks for each house, but leaders worry about the long-term effects.

“DHEC will give you a permit to put the septic tank in originally but then there’s no oversight afterwards, there’s no inspection so when they fail they just fail,” Fant said.

The new policy adds limits. Developers can only put a tank on one-and-a-half acre lots, 100 feet from waterways. Many, including conservation groups like Friends of the Reedy River have praised the policy. But others are hesitant.

“Hopefully I’m wrong but I feel like there’s some unintended consequences with that,” said Councilman Christ Harrison, District 21.

Harrison was the lone “no” vote. He advocated for a restriction of one acre lots because he’s worried the acre and a half restriction will limit the number of lots a developer can build—potentially increasing the price of homes.

“Hopefully not, but I don’t want to create these larger septic lots to combat that, I don’t want home prices to increase, I don’t want to take a step back,” he said.

Those in favor say it’s all about slowing development, buying time to expand sewer lines out to rural areas and protecting waterways.

“We need 4,400 houses a year in Greenville County and obviously we’re not able to keep up with that which is leading to skyrocketing home prices and skyrocketing rental prices. So if we’re going to reduce the amount of septic tank houses, we’re going to have to do higher density single family residences and that means that ReWa and Metro[Connects] are going to have to step up,” said Fant.

Any projects currently under development or in the permitting process will not be affected by the new rules.

Copyright 2024 WHNS. All rights reserved.

Greenville Co. Council passes rule limiting homes built with septic tanks

GREENVILLE COUNTY, S.C. —Greenville County officials are limiting where septic tanks can be built in its unincorporated areas and making sure there's more buffers around streams and creeks.Council voted 11-1 on the rule change, Tuesday night."Continuing to build 200-to-300 house subdivisions on septic tanks in the rural parts of the county is not an efficient use of the limited land that we have left," council member Ennis Fant said. "We have a responsibility to not just us today but...

GREENVILLE COUNTY, S.C. —

Greenville County officials are limiting where septic tanks can be built in its unincorporated areas and making sure there's more buffers around streams and creeks.

Council voted 11-1 on the rule change, Tuesday night.

"Continuing to build 200-to-300 house subdivisions on septic tanks in the rural parts of the county is not an efficient use of the limited land that we have left," council member Ennis Fant said. "We have a responsibility to not just us today but also the next generation, so we can't continue to poison our creeks, rivers and streams."

Starting immediately, homes built with a septic tank must have a minimum 1.5 lot size and increased buffers, which can go up to 100 feet, from the nearest stream bank.

Fant added the change is meant to improve water quality and help slow down growth.

“We’re seeing nitrate levels rise to enormous levels in the lower parts of the county, so we knew we had to do something," he said. "We’re poisoning the creeks and rivers at an alarming rate, so we had to step up."

Council member Chris Harrison was the only vote against the rule, saying the minimum lot size is too large.

"That decreases the number of lots a builder can use," Harrison said. "Therefore, it can decrease your property value because you're not going to pay as much for it. Conversely, if they're larger lots, they're going to be valued more. They're going to cost more and the home price is going to be higher, as well."

Environmental groups such as Upstate Forever supported the change and larger buffers.

"These riparian buffer areas are the vegetative areas next to rivers and streams and considered to be the last line of defense for water quality because they slow down and filter runoff," said Erika Hollis, the organization's Clean Water Director.

Fant said the county needs 4,400 homes per year to keep up with housing demand.

He said the county now has to work with sewage service providers to get more homes off septic and onto sewer lines.

"If we're going to reduce the number of septic tank houses, we're going to have to do higher density single-family residences," Fant said. "That means ReWa and MetroConnects are going to have to step up."

The rule change will run for the next two years until a sunset clause kicks in. Council must meet again at the end of the period to vote on whether or not to continue with the change.

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Saturday and Tuesday are First Alert Weather Days impacting your plans

GREENVILLE, S.C. (FOX Carolina) - Two First Alert Weather Days are ahead, one for Saturday and another for next Tuesday.A Winter Storm Warning has been issued for Henderson, Transylvania counties, portions of Polk and Rutherford counties. It goes into effect 1:00 a.m. Saturday until 1:00 p.m. Significant icing is expected within these areas, with accumulations ranging from 0.10″ to 0.30″ potentially. This could lead to power outages, trees down and nearly impossible travel on the roadways.A Winter Weather Adv...

GREENVILLE, S.C. (FOX Carolina) - Two First Alert Weather Days are ahead, one for Saturday and another for next Tuesday.

A Winter Storm Warning has been issued for Henderson, Transylvania counties, portions of Polk and Rutherford counties. It goes into effect 1:00 a.m. Saturday until 1:00 p.m. Significant icing is expected within these areas, with accumulations ranging from 0.10″ to 0.30″ potentially. This could lead to power outages, trees down and nearly impossible travel on the roadways.

A Winter Weather Advisory has been issued for northern Greenville and northern Pickens counties in the Upstate, as well as southern Jackson county, Buncombe, Yancey, Mitchell, McDowell. It goes into effect 1:00 a.m. Saturday until 1:00 p.m. Mixed precipitation is possible here, with the potential of snow accumulations up to 1″ and ice accumulations of up to 0.20″. Plan on slippery roads within the areas under the advisory.

Rain and a wintry mix are set to move in overnight into Saturday, with conditions varying from cold rain to sleet and freezing rain by daybreak. This is looking like a widespread event, high confidence in that, although there is still some question on the exact form of wintery precipitation to be seen for some areas. Highest potential for wintry weather is in the mountains however, some areas along the South Carolina-North Carolina border could see a brief period of freezing rain.

The best chances of wintry precipitation come in the early hours of Saturday with warm air moving in from the west by mid-late morning, switching over to a chilly rain. Snow is possible in the higher elevations but the lower elevations are looking at more a mix with sleet and freezing rain potentially impacting the valleys and foothills. This means spotty areas with slick roads are a concern during the early morning hours of Saturday. Ice accumulations could range from a coating up to 0.3″ for some. Moisture moves out throughout the afternoon on Saturday.

Temperatures rebound for Sunday, back to the upper 40s to mid 50s with a nice mix of sun and clouds. However some spotty showers may linger along the North Carolina-Tennessee border. Monday’s a nice dry day with highs in the mid 40s to low 50s ahead of our next rain system.

Tuesday is another First Alert Weather Day due to widespread heavy rain, as well as the potential for some strong storms and wintry mix in the mountains. This one looks to bring widespread heavy rain all across the area. There’s another chance for some wintry precipitation in the mountains early on Tuesday impacting the morning commute for some areas.

The heavy rain looks to be the highest threat from this system, as of right now. Multiple inches of rain will be possible.

Copyright 2023 WHNS. All rights reserved.

Things to Do This Month Near Greenville, SC

Are you looking for things to do this month or even this weekend in Greenville, SC? From concerts to shows to children’s programming, sporting events, festivals, and free events, there is almost always a great answer when you’re searching for things to do near you, at least there is when you live in South Carolina’s Upstate!What’s happening this month in Greenville, SC?Never be bored, and never miss an event your family will love! We’re highlighting some of the coolest, most unique, most interest...

Are you looking for things to do this month or even this weekend in Greenville, SC? From concerts to shows to children’s programming, sporting events, festivals, and free events, there is almost always a great answer when you’re searching for things to do near you, at least there is when you live in South Carolina’s Upstate!

What’s happening this month in Greenville, SC?

Never be bored, and never miss an event your family will love! We’re highlighting some of the coolest, most unique, most interesting, and most popular events this month. But don’t forget to check out our FULL event calendar for even more amazing options. Here’s what to do this month near Greenville, SC.

For things to do this month in Spartanburg, SC, see our Monthly Event Guide to Spartanburg, SC.

Thank you to our sponsors. Sponsored events are marked as “featured.”

Family Friendly New Year’s Eve & Day

These New Year’s events are for kids! Several businesses and organizations throughout the Greenville area will host special celebrations to help ring in the new year. Check out these 10+ Family Celebrations for 2024: New Year’s Celebrations for Kids!

Things to Do This Weekend Near Greenville, SC

The weekend is about here and you’re ready for some fun in the Upstate. But what’s happening this weekend? We know! Here are some great events happening on the weekends this month.

Skating on the Big Ice, select dates December 16th – 30th, 2023 Friday Starry Nights, Roper Mountain Science Center, Fridays in January The Toasty Farmer (Indoor Market), Saturdays in January Open Art Studios Anniversary Celebration, January 5th, 2024 SCCT’s Tell Me A Story Theatre, January 13th, 2024 Harry Potter and the Sorcerer’s Stone in Concert, January 13th, 2024 The Watsons go to Birmingham, SCCT, January 19th – February 4th, 2024 Saturday Story Time @ Hughes Library, January 20th, 2024 54th Annual Upstate Boat Show, January 25th – 28th, 2024 Feathered Friends, TR Makers Co. January 26th, 2024 Greenville Symphony Presents: Lollipop Series, January 27th, 2024

If the scheduled events and festivals aren’t piquing your interest, try these great things to do on the weekend with the family.

Theater, Shows, and Sporting Events

Harry Potter and the Sorcerer’s Stone in Concert, January 13th, 2024 The Watsons go to Birmingham, SCCT, January 19th – February 4th, 2024 D is for Dance Party, SCCT, January 26th – February 4th, 2023 Greenville Symphony Presents: Lollipop Series, January 27th, 2024

VS. Florida Everblades, December 31st, 2023 VS. Florida Everblades, January 5th and 6th, 2024 VS. Orlando Solar Bears, January 10th and 12th, 2024 VS. Jacksonville Icemen, January 20th & 21st, 2024

Free Things to Do Happening This Month

We love free things to do! The events below happening in the Upstate are all “free” meaning they have no admission charge to attend.

The Toasty Farmer (Indoor Market), Saturdays in January Science Station Jr.: Ice, January 10th, 2023 Teddy Bear Tea Party, Hughes Main Library, January 12th, 2024 SCCT’s Tell Me A Story Theatre, January 13th, 2024 Greenville Symphony Presents: Lollipop Series, January 27th, 2024

New tenants announced for Greenville County Square including Pottery Barn, Williams Sonoma

GREENVILLE, S.C. —New tenants for Greenville County Square were announced Friday and include big names like Pottery Barn and Williams Sonoma.(Video above is previous coverage about Whole Food coming to the area)Earlier this year, Greenville County moved into its new 262,000-square-foot state-of-the-art Administrative Building and 1,000-space parking deck...

GREENVILLE, S.C. —

New tenants for Greenville County Square were announced Friday and include big names like Pottery Barn and Williams Sonoma.

(Video above is previous coverage about Whole Food coming to the area)

Earlier this year, Greenville County moved into its new 262,000-square-foot state-of-the-art Administrative Building and 1,000-space parking deck, which means the previous structure is being demolished.

WYFF 4 Exclusive: An inside look at Greenville County's future administration facility

On Friday, RocaPoint announced that Pottery Barn and Williams Sonoma will join the project and anchor the retail experience along with Whole Foods Market, which was signed earlier this year.

Sports & Social and PBR will also be joining the project. The 23,000-square-foot sports bar and entertainment venue will be The Cordish Company’s first in South Carolina.

Along with retail and entertainment uses, RocaPoint announced new food-and-beverage tenants.

Recently, Fleming's Prime Steakhouse and Wine Bar, signed on and will open its first restaurant in South Carolina.

Hawkers, which serves authentic Asian street food, and The Salty, a donut, baked goods and coffee shop, will also open at Greenville County Square.

These new restaurants will join the already announced restaurants, including Perch Kitchen and Tap, Agave Bandido, Jinya Ramen Bar and Ben & Jerry’s.

“Greenville County Square is moving full steam ahead,” said Patrick Leonard, Principal at RocaPoint Partners. “We’ve seen enormous interest in the project as Greenville continues to be a market that attracts high-quality tenants. With an upswing in population and a desirable quality of life for residents, it's no surprise companies and retailers are choosing to bring their businesses to this charming downtown, many for the first time.”

Located along University Ridge in downtown Greenville, the development will encompass approximately 3 million square feet of new buildings, creating $1.5 billion in market value upon completion.

To learn more, please visit https://rocapoint.com/project/greenville/.

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