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 Indian Harbour Beach, FL, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Indian Harbour Beach'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 Indian Harbour Beach, 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 Indian Harbour Beach, 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 Indian Harbour Beach, 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 Indian Harbour Beach, 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 Indian Harbour Beach, 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 Indian Harbour Beach loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANHappy Cinco de Mayo, indeed!The 10-foot, 2-inch-long great white shark Miss May has been hanging around Brevard waters, recently pinging three times Sunday night — 8:21, 9:48 and 10:31 p.m. Cinco de Mayo — at Patrick Air Force Base and Satellite Beach.If we want to get really nerdy, Miss May had another "holiday" ping session:• 6:09, 6:23, 8:06, 8:16, 8:54 and 9:11 p.m. May 4 (May the Fourth Be With You!) off Port CanaveralAccording to shark advocacy research grou...
Happy Cinco de Mayo, indeed!
The 10-foot, 2-inch-long great white shark Miss May has been hanging around Brevard waters, recently pinging three times Sunday night — 8:21, 9:48 and 10:31 p.m. Cinco de Mayo — at Patrick Air Force Base and Satellite Beach.
If we want to get really nerdy, Miss May had another "holiday" ping session:
• 6:09, 6:23, 8:06, 8:16, 8:54 and 9:11 p.m. May 4 (May the Fourth Be With You!) off Port Canaveral
According to shark advocacy research group Ocearch, the great white's tracker shows the creature surfacing several times off the coast of the Space Coast, after 6 p.m. and the latest after 10:30 p.m. since April 26. Before its Space Coast visits, the shark surfaced in Edgewater. Its last visit to the Space Coast was in February.
Miss May's Cinco de Mayo visit isn't the only holiday visit from Ocearch sharks.
Thanksgiving 2018
An 11-foot, 5-inch-long tiger shark named DeMott pinged off the coast of Melbourne a day before Thanksgiving, and the 14-foot-long great white shark Katharine pinged off the coast a day after — on Black Friday.
DeMott, weighing 607 pounds, pinged at 8:57 a.m. Nov. 21, off the coast of Melbourne and Palm Bay. The shark gets its moniker from David DeMott, one of the four founders of SeaWorld in 1964.
Its larger, heavier Ocearch buddy Katharine pinged off the coast of Brevard twice on Black Friday, at 9:21 a.m. off the coast of Melbourne, then 11:37 a.m. off the coast of Palm Bay.
Great white shark Savannah pinged off the coast of Cocoa Beach on Memorial Day weekend. On the evening of May 26, the 8-foot, 6-inch-long shark pinged here and was likely heading north after being "spotted" in the Keys before that.
Hilton, a 1,326-pound great white shark, pinged off the coast of Titusville at 8:33 p.m. April 1 (Yes, that was April Fool's Day, but this is no joke).
The great white shark, named after the Hilton Head, S.C., community where he was tagged — and not the hotel chain or the hotel heirs — was tagged in March 2017.
Fellow great white shark Miss Costa, weighing 1,668 pounds, pinged off the coast of Melbourne and Titusville on Feb. 11, a few days before Valentine's Day.
The 12-foot, 5-inch-long shark named after Ocearch partner Costa Sunglasses, pinged off the coast of Palm Bay and Sebastian on Feb. 11, then again between Titusville and New Smyrna Beach on Feb. 12.
Before that, Savannah pinged off Cape Canaveral on Jan. 1.
Ocearch tweeted about that visit on New Year's Day: "8ft 460lbs female white shark @SharkSavannah pings southbound off the Canaveral National Seashore!"
Savannah, named after Savannah, Ga., weighs 460 pounds.
For more information on these great white sharks and other tagged creatures, visit ocearch.org.
Sangalang is a social strategist at USA TODAY Network-Florida.
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or jsangalang@floridatoday.com.
Twitter: @byjensangalang
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The U.S. Northeast woke up to a "horribly smoky day" on Wednesday (June 7), as a low-pressure system funnels toxic smoke from wildfires in Canada across the Atlantic Coast.The beige-tinged haze can be seen in imagery captured by the weather forecasting satellite GOES East, but plentiful eyewitness reports...
The U.S. Northeast woke up to a "horribly smoky day" on Wednesday (June 7), as a low-pressure system funnels toxic smoke from wildfires in Canada across the Atlantic Coast.
The beige-tinged haze can be seen in imagery captured by the weather forecasting satellite GOES East, but plentiful eyewitness reports of the smoke have also cropped up on social media since Tuesday afternoon (June 6).
Boston-based air-quality researcher Sotirios Papathanasiou shared an eerie photograph of a setting sun surrounded by a neon-bright orange halo Tuesday evening, explaining that the sight is more dangerous than mesmerizing.
"Many will think that this is a nice sunset but in reality this is a toxic sunset as it indicates the presence of tiny particles in the atmosphere and in the breathable air," Papathanasiou said in a tweet. "Don’t stay outside for a long time and wear N95 masks."
Related: NASA's new air pollution sensor will monitor smog above America in real time
NASA researcher Ryan Stauffer said that concentrations of tiny ash particles in the atmosphere — the so-called PM 2.5s — in New York, Philadelphia and other cities in the region will likely hit record highs on Wednesday.
"The smoke PM2.5 values coming in this evening are extraordinary," Stauffer said in a tweet on Tuesday evening. "Today and tomorrow will rival, and in some cases may surpass the event of record for the region, July 7th 2002."
According to NBC News, air quality alerts have been put in place in 13 U.S. states as of Wednesday morning.
The air pollution comes from smoke generated by dozens of wildfires that have been blazing through the Canadian provinces of Quebec and Nova Scotia in recent weeks. A large area of low air pressure that is currently swirling above the northwestern parts of the Atlantic Ocean is funneling the pollution southward. According to predictions, the ash cloud may affect air quality as far as South Carolina.
"Today's horribly smoky day in the Eastern U.S. as seen by satellite," the Cooperative Institute for Research in the Atmosphere at Colorado State University tweeted, along with an image showing the beige-tinged river of air pollution being pushed southward by a rotating mass of thick white clouds.
The images were obtained by GOES East, a geostationary weather satellite operated by the U.S. National Oceanic and Atmospheric Administration that constantly monitors the eastern parts of North America and the adjacent Atlantic Ocean.
NASA satellites, too, have been keeping an eye on the wildfires, which are burning with unprecedented ferocity this year, following a period of exceptionally high temperatures in early May and an unusually dry spring.
According to NASA, only about 1 square mile (2.6 square kilometers) of land burns in Quebec by early June during an average wildfire season. This year, 600 square miles (1,550 square km) of land have already been ravaged by blazes, which wildland firefighters have had a very hard time controlling.
SPACE COAST DAILY TV: Space Coast Daily’s Ron Lighthall and Juan Rodriguez were at the Highland Mint to report on producing the official coin for Super Bowl LVIII, and other memorabilia they offer. BREVARD COUNTY • INDIAN HARBOUR BEACH, FLORIDA – The Highland Mint, located at the corner of Eau Gallie Boulevard and South Patrick Drive in Indian Harbour Beach, will produce the official coin to be used in Super Bowl ...
SPACE COAST DAILY TV: Space Coast Daily’s Ron Lighthall and Juan Rodriguez were at the Highland Mint to report on producing the official coin for Super Bowl LVIII, and other memorabilia they offer.
BREVARD COUNTY • INDIAN HARBOUR BEACH, FLORIDA – The Highland Mint, located at the corner of Eau Gallie Boulevard and South Patrick Drive in Indian Harbour Beach, will produce the official coin to be used in Super Bowl LVIII, which will be played in Las Vegas on Sunday.
The Highland Mint has produced the official coin for the big game since Super Bowl XXVIII in 1993.
“The Super Bowl flip coin is really something special because it’s actually used to start a game,” said Michael Kott, President of the Highland Mint.
“You know, the Super Bowl is one of the biggest sporting events in the world and we like to say here ‘the game doesn’t start without us’ so there’s a lot of pride when you see that coin.”
Related Story:HOT OFF THE PRESS! Feb. 14, 2022 Space Coast Daily News – Brevard County’s Best Newspaper
The coin will also be used for any overtime flips that are necessary, such as was the case in Super Bowl LI held in Houston between New England and Atlanta six years ago.
The coin that will be used will also be sent to the Pro Football Hall of Fame in Canton, Ohio after it is used.
Coin #1 will be flipped to start the Super Bowl, the rest will be made available to the public.
The coin is carefully struck in a fine silver plate and selectively plated with 24kt gold. Each 1.5-inch diameter flip coin is individually numbered and protected in an acrylic capsule to preserve its mint condition.
The coin is presented in a custom 6-inch x 4-inch booklet case, allowing you to flip the center page to view both sides.
Each coin comes with an individually-numbered certificate of authenticity to match the number on the coin is included in the custom case.
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A crocodile is calling Brevard County home, and some neighbors say it needs to go before someone gets hurt.FOX 35 News first told you about the reptile when it was spotted eating a small pug dog in Satellite Beach a few months ago. People who live on the water near De Soto Park say it’s coming even closer to homes. On Sunday, neighbors saw the 8 to 9-foot croc on land about...
A crocodile is calling Brevard County home, and some neighbors say it needs to go before someone gets hurt.
FOX 35 News first told you about the reptile when it was spotted eating a small pug dog in Satellite Beach a few months ago. People who live on the water near De Soto Park say it’s coming even closer to homes. On Sunday, neighbors saw the 8 to 9-foot croc on land about 20 yards away from homes. The community is asking for help before someone gets hurt.
"I’ve lived here over 10 years, and we’ve never experienced anything like this," said Cheri Marks who’s been concerned about the animal from the beginning.
Marks is leading the charge trying to control this crocodile because she cares about her community and sees the risks from her back porch. The reptile came on land in Brad Dyer’s backyard over the weekend. He says it could have been out for longer, but he spotted it when he returned from church and says it stayed in the open for about 30 minutes.
"So far, we have just got replies that this is their natural habitat, there’s nothing we can do," Dyer said. "They’re a protected species."
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Neighbors say the canal where the crocodile is living is full of activity. While on the scene, FOX 35 cameras captured someone washing off their shoes in the water in the same location the croc’s been known to hide under the deck.
"I feel like they are taking the crocodile’s concerns over the people," Marks exclaimed.
She says she wasn’t satisfied with the response she received from the Florida Fish and Wildlife Conservation Commission (FWC) over the weekend when she reported the sighting. In an email, they say the crocodile is basking which people mistake for the animal becoming abnormally bold. The agency’s response didn’t calm her concerns.
She feels "not heard." Marks says, "I have reached out several times. They told me to keep in touch, and if the behavior changed, then they would take a look into what can be done."
Cooler weather may push the animal away, according to experts.
"Chances are really high it’s going to head back south," said Joe Wasilewski who’s a conservation biologist in South Florida who specializes working with crocodiles.
He’s worked with crocodiles for decades. He says unlike alligators, crocodiles need warmer water to thrive, and re-location will be a challenge because of federal protections.
"They are managed by the FWC and the U.S. Fish and Wildlife Service, and the last thing either agency wants to do is relocate the animal," he concluded.
FWC tells FOX 35, it is continuing to monitor the situation. It also says they’ve made numerous visits to speak with concerned residents in the area. These homeowners say, no one’s been out to talk with them once.
Some homeowners are worried Airbnb’s and short-term vacation rentals are taking over the community.City leaders in Indian Harbour beach (IHB) are starting a new program to crack down on out-of-control properties, but state law makes regulating the surge in demand a challenge.In an IHB neighborhood, some homes have yard signs with a simple message: No Airbnb in IHB."We’re just trying to figure out what can we do to protect our homes and protect our children," said Leigh McElroy who calls IHB home and...
Some homeowners are worried Airbnb’s and short-term vacation rentals are taking over the community.
City leaders in Indian Harbour beach (IHB) are starting a new program to crack down on out-of-control properties, but state law makes regulating the surge in demand a challenge.
In an IHB neighborhood, some homes have yard signs with a simple message: No Airbnb in IHB.
"We’re just trying to figure out what can we do to protect our homes and protect our children," said Leigh McElroy who calls IHB home and is worried about the future of the small, close-knit town.
She isn’t alone.
"They’re constantly out back partying. we’ve had domestic disputes going on till 5 a.m.," said Adam Dyer who also lives in IHB. The father of four says out of six homes right by him, three are short-term rentals.
Both these homeowners say their streets are lined with short-term rentals and cars spilling into the street, blocking sidewalks. On the weekends and holidays, partying is constant.
"They’re just come and go – here one night, gone the next repeatedly," Dyer added.
At Tuesday’s City Council meeting, Indian Harbour Beach voted to implement a new surveillance program to track rentals. The city can’t stop more from coming. but they want to know where the homes are and make sure they're operating up to code.
The new artificial intelligence system costs around $30,000 per year and also comes with a 24/7 hotline neighbors can call with concerns at properties.
"If you live in a nice quiet neighborhood, then all of a sudden, on one side or both sides of you is a different person three or four nights a week, your neighborhood has changed overnight," said John Coffey who’s the City Manager for IHB.
He’d like to see common sense legislation passed to help cities mitigate these issues but is hoping this new program will offer some relief for taxpayers.
The city estimates there are more than 200 vacation properties in the 2.5 square mile city right now.
"Out of every 10 houses, three to four homes are now Airbnb’s," McElroy added.
Because of the uncertainty of not knowing who is staying in nearby homes, the Dyer family doesn’t let their children go past a nearby stop sign when playing outside. They say it’s disappointing because the close-knit element of the city was what encouraged them to settle down there.
"We need to bring that community feel back because I think it’s something that’s worth fighting for," he concluded.
These homeowners would like to see density restrictions to limit how many single-family homes in a neighborhood could be rented out. That would require changing state law, so they’re asking local legislators to get involved in the issue.