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 Inman, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Inman'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 Inman, 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 Inman, 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 Inman, 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 Inman, 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.
INMAN, S.C. (WSPA) – Over four years ago, Holliday Brewing opened in Spartanburg’s Drayton Mills marketplace. Now they are getting ready to open Inman’s first brewery, targeting mid-September for their Prospect Street location.It will be home to 40 beer taps and a full bar. The kitchen will be run by the owners of Spartanburg’s Burgers and Bakery restaurant.It...
INMAN, S.C. (WSPA) – Over four years ago, Holliday Brewing opened in Spartanburg’s Drayton Mills marketplace. Now they are getting ready to open Inman’s first brewery, targeting mid-September for their Prospect Street location.
It will be home to 40 beer taps and a full bar. The kitchen will be run by the owners of Spartanburg’s Burgers and Bakery restaurant.
It’s something co-owner Jim Holliday has been looking forward to for some time.
”We’ll have a full restaurant here. We’re on three and a half acres, it’s a 9,000-square-foot building. We’ll be able to seat about 250 people. We have plenty of open space, we have plenty of green space outside. In the future, we plan on putting in a concert stage out here. We have plenty of outside seating. We also have a nice private section upstairs that you can rent out for private parties.”
That private section is open to anyone if there’s no event; it will be a hang-out spot with couches.
The actual brewing is also moving here. Brewer and co-owner John Holliday said that more space means the ability to increase production.
“The Spartanburg facility, I could brew five times a week and I would put out 10 barrels. I could do five times a week here and I’ll put out 100 barrels. So we’ll go distribution Spartanburg, we’re going to go into Greenville and Rock Hill for now, and then state-wide hopefully at the end of the year.”
That is allowing Holliday to participate in this year’s Fall for Greenville, contributing a beer and a seltzer to the beer garden.
More space also means more chances for John to experiment.
”I want to work more on my hazy beers. They’re a little tricky to get going and it’s a lot if fun brewing and getting all those new recipes.”
Jim said that it’s not just the Holliday brothers who are looking forward to the grand opening.
”I get people driving through here every day…when are you going to open? We can’t wait. All of Inman is so excited and we are, too.”
”We really look forward to connecting with the downtown, too because we want the other businesses to grow. The Saluda (Grade) Rail Trail is coming in the future…it’s going to land on our front doorstep.”
”We just really want to grow this little town and try to help other businesses and connect us all together.”
Want to be a part of this journey? They’re looking for servers, hosts, bartenders, cooks, and assistant brewers. Email email@example.com for details.
INMAN, S.C. (FOX Carolina) - The small town of Inman is ready to grow. City officials want your input on what could improve downtown. Inman’s main street has seen a big boom over the years and it’s looking to keep it going.“It reminds me of when I was young, going downtown with my grandparents,” said Christine Green, about downtown Inman.Inman’s downtown is quaint and mostly quiet with the exception of cars passing by. Green’s consignment store, New To You, is a work in progress. Two weeks ag...
INMAN, S.C. (FOX Carolina) - The small town of Inman is ready to grow. City officials want your input on what could improve downtown. Inman’s main street has seen a big boom over the years and it’s looking to keep it going.
“It reminds me of when I was young, going downtown with my grandparents,” said Christine Green, about downtown Inman.
Inman’s downtown is quaint and mostly quiet with the exception of cars passing by. Green’s consignment store, New To You, is a work in progress. Two weeks ago, she finalized the deal to become the new owner. And even though it’s not open yet, it’s seen a steady flow of people wanting to shop.
“I could have been open. Everyday people have tried and tried to get in here” said Green. “I think [there’s] a lot of exciting things to come.”
The city of Inman already fulfilled 70 to 80 percent of the downtown master plan created in 2021.
“We have experienced extensive growth in the last couple of years, and we anticipate that to continue. There’s a lot of factors that are aligning in our favor” said April Williams, the City Planning Director.
They’re now looking ahead for what’s next, like historic preservation.
“A lot of our business owners have worked really hard to maintain the structure and the integrity of these buildings,” said Williams.
Revitalizing this downtown isn’t a task the city will be completing alone. They’ll also have help from Main Street South Carolina.
“Our job is to provide guidance and support to the local programs as they build their own programs to support downtown revitalization” said Jenny Boulware, the State Coordinator for Main Street South Carolina.
Under the three-year program, Main Street coordinators will help city leaders make downtown even more desirable. They’re looking at what’s missing and asking residents what they’d like to see change. The goal is to have 100% occupancy downtown within the next year and half.
“We’re kind of ahead of the curve, and we have a great momentum going,” said Williams.
If you live in Inman and want to learn more there will be another meeting on Wednesday March, 1st. It will be a town hall presentation from the Main Street South Carolina officials. It’ll take place at 5:30pm at 10 S Main Street.
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INMAN — Heather Moore has been living in the Upstate for 21 years, but it was in 2016 when she and her family moved from Duncan to Inman that she fell in love with the charm of the small city.Moore knew that she wanted to bring something unique to Inman, so she bought two buildings in the heart of downtown on Mill Street and turned one of the spaces into a brick-and-mortar business.“Inman is like this little gem amongst all these bigger areas,” Moore said.When Moore isn’t serving on City Council, ...
INMAN — Heather Moore has been living in the Upstate for 21 years, but it was in 2016 when she and her family moved from Duncan to Inman that she fell in love with the charm of the small city.
Moore knew that she wanted to bring something unique to Inman, so she bought two buildings in the heart of downtown on Mill Street and turned one of the spaces into a brick-and-mortar business.
“Inman is like this little gem amongst all these bigger areas,” Moore said.
When Moore isn’t serving on City Council, she can be found working at her artisan store at 15 Mill St. that opened at the beginning of April.
The Maker’s Market LLC is an artisan store that sells handmade items and a place where people create projects. Inside, there’s a variety of curated retail items from local, small businesses.
Before opening a location in downtown Inman, Moore had a customer base. Two years ago, Moore created The Maker’s Market. She would offer mobile paint classes at coffee shops, breweries and events.
The Maker’s Market has modern and antique touches.
The building was constructed in 1920 and has pink and green walls as a nod to the past because those were the colors found on the walls when the space was renovated. An antique checkout counter has been painted emerald green.
Though the process of renovating a 1920s building wasn’t easy, it was something that Moore had experience doing. The house that Moore bought when her family moved to Inman was also built in the 1920s and has undergone renovations.
In the front area of the store are handmade wood turned items, jewelry, candles, body products, embroidered items, stationery, tea towels, local spices and local herbal teas. The back area is an open studio where Moore teaches classes and it serves as a space that can be rented for events.
Moore also sells paint kits that can be taken home, or customers can finish the small projects in the studio. Moore said she’s open to the idea of other creatives who teach classes using her studio space.
Moore said she loves being part of the growth that’s happening in the city. Inman was the only municipality in Spartanburg County selected to be a part of the Main Street South Carolina program this year.
“I want us to grow, but in a very smart, sustainable way and bring our small town back and have it thriving,” she said.
Since Moore bought two buildings on Mill Street, she’s fixing up a building at 13 Mill St. so that she can rent it out to someone who plans on opening a small business.
The Maker’s Market will soon offer pottery classes. Moore plans to add a small boutique wine shop in the building and offer beer and wine during her classes.
Christmas in South Carolina brings with it a wealth of ways to celebrate the season and perhaps one of our favorites is the practice of lighting up your own home, either inside or out, with twinkling displays. Most families make a tradition out of visiting neighboring homes and communities to view these displays each year. And while we’ve featured public, fee-related Christmas light displays in South Carolina t...
Christmas in South Carolina brings with it a wealth of ways to celebrate the season and perhaps one of our favorites is the practice of lighting up your own home, either inside or out, with twinkling displays. Most families make a tradition out of visiting neighboring homes and communities to view these displays each year. And while we’ve featured public, fee-related Christmas light displays in South Carolina that you can enjoy this season, there are countless communities and single homes that really deck the halls, too. There’s one, in particular, that’s referred to as The Christmas House in Inman, South Carolina, and we think it has some of the absolute best Christmas lights in the state. Be prepared to be delighted at this house of Christmas!
Did we mention it’s absolutely free? Of course, donations are always appreciated (there’s a donation box in plain view). Don’t you agree that the Christmas House in Inman, South Carolina has some of the best Christmas lights in the state? We love this showing of holiday spirit! For more information, see the official Facebook page for The Christmas House in Inman. If you can’t get enough of the Christmas joy, we recommend taking a day trip to one (or more) of these charming Christmas towns in South Carolina.
Sarah | November 15, 2021
What are some other places to go to see Christmas lights in South Carolina?
Each year, millions upon millions of Christmas lights go up around the Palmetto State. We’ve rounded up some of the biggest, best, and brightest Christmas lights in South Carolina so you can put them on your bucket list. From drive-thru displays to epic holiday, festivals at some of the state's biggest attractions, the Palmetto State comes alight in bright, twinkling, festive lights all holiday season long.
What's the best Christmas event in South Carolina?
While we love them all, there's something truly magical that happens at Brookgreen Gardens in the winter. Each year, South Carolina’s number one outdoor attraction, Brookgreen Gardens, delivers the best winter hike in South Carolina and it takes place at night under the glow of flickering candles and twinkling lights. For a handful of magical nights this holiday season, Brookgreen Gardens is open at night for a spectacular lights display, making it all the more special. Wander freely through the many sculpture gardens and gaze in awe as the lights shine perfectly to illuminate many of the sculptures and fountains. Each afternoon, more than 2,700 candles are hand lit throughout the garden; some are even floating in the many reflecting pools. It's such a magical display and a wonderful setting for the best winter hike in South Carolina!
Are there any unique holiday events in South Carolina?
In addition to the above Christmas lights displays in South Carolina, these drive-thru displays are wholly unique to the Palmetto State. What we love the most is that you don't even need to get out of your warm, cozy car to enjoy them! Our favorite is James Island County Park, which is the largest in the state and features more than two million lights and three miles of displays to drive through. After, visitors can park and enter the enchanted light trail for even more Christmas light displays, visit with Santa, shop for sweets and more, roast marshmallows, hop aboard the festival train, and take a spin on the holiday carousel.
TRYON, N.C. — Joyce Kimpton doesn’t want to see the construction of a 31-mile rail trail on the inactive Saluda Grade railroad line.She fears she could lose much of the backyard of the home on Whitney Avenue where she has lived for the past 46 years.She’s not alone. Several property owners in Polk County, N.C., just north of Spartanburg County and the South Carolina state line are against the project.Three nonprofit groups including Conserving Carolina, Upstate Forever and ...
TRYON, N.C. — Joyce Kimpton doesn’t want to see the construction of a 31-mile rail trail on the inactive Saluda Grade railroad line.
She fears she could lose much of the backyard of the home on Whitney Avenue where she has lived for the past 46 years.
She’s not alone. Several property owners in Polk County, N.C., just north of Spartanburg County and the South Carolina state line are against the project.
Three nonprofit groups including Conserving Carolina, Upstate Forever and PAL: Play. Advocate. Live Well., continue to negotiate with Norfolk Southern to purchase the railroad property for a future rail trail.
The line was active from 1878 to 2001. Sixteen miles of the rail line are in South Carolina and 15 miles are in North Carolina. The trail would pass through Inman, Campobello and Landrum in South Carolina, and through Tryon, Columbus and Saluda in North Carolina.
“They can legally, once they purchase the right-of-way, take up to 100 feet on both sides from the center of the railroad,” Kimpton told The Post and Courier. “That would take up my whole backyard. I hope the plan goes away.”
Kimpton also believes the proposed rail trail would disrupt the area’s natural setting, where residents enjoy watching wildlife. If the rail trail is developed, she is afraid wildlife will disappear.
A purchase agreement could be reached with Norfolk Southern by the end of the first quarter of 2023. PAL Executive Director Laura Ringo said final details of the agreement are being discussed.
“We think we have a final price and are working on some details of a signed agreement and hope to have something finalized,” Ringo said. “We just released some RFPs (requests for proposals) on a feasibility study to look at what the economic impact would be and what it would take to complete the project.”
Construction on the rail trail could begin within five years if negotiations with Norfolk Southern are successful. The rail line in North Carolina presents more challenges with mudslides in recent years along the Saluda Grade washing out some of the areas.
“Depending on where it is, it looks different in North Carolina,” Ringo said. “It is bad in some places. The kudzu will be quite a feat to clear.”
The rail line passing through Tryon heading toward Saluda crosses Country Club Road. In many places, the rail line is covered with kudzu. Trees have also grown through the railroad tracks. Some bridges have washed away, leaving some of the line hovering in mid-air.
If a purchase agreement is reached, Norfolk Southern will go through a federal transportation board to abandon the rail. The process would likely take about 18 months to complete. Construction of the new rail trail could begin as soon as mid-2024.
Gary Walker of Tryon is among property owners who don’t want to see the rail trail developed. The property at Country Club Road has been in Walker’s family since 1901 when his grandfather Mark Burrele purchased it. Walker said if the rail trail is developed it would alter a way of life for those who moved to the area to enjoy its natural rural setting. The property is also used for hunting, Walker said.
“What is the guarantee people will stay on the trail?” Walker said. “My top concern is that it goes through all that property that we use for hunting. I guess my biggest think is that I don’t like the fact of some outside group taking it and telling you what you can do and can’t do with it.”
As part of the feasibility study, public meetings will be held. Ringo said working with property owners the goal is to make the proposed rail trail beneficial to everyone. She said a survey would be conducted to determine the right-of-way easements as part of the process. Environmental assessments would also be needed along the rail line corridor.
The S.C. Legislature has earmarked $5 million for the trail project. Kieran Roe, Conserving Carolina executive director, told The Post and Courier the project has the potential to transform communities along the rail corridor.
“We know right now the defunct corridor is not bringing any kind of public benefit and isn’t being used for rails,” Roe said. “This would be a way to bring back some use that I think visitors would be attracted to and enjoy. Residents along the corridor and wider surrounding areas would enjoy having this a safe area for exercise.”