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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 Irmo, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Irmo'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 Irmo, 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 Services for Eric Gibson
Mortgage Broker for Kimberlee Puccio
Mortgage Company for Seth Seal
Refinancing for Rose Griest
Mortgage Lending Service for Michael McIntyre
Home Ready Mortgages for Ed Jones
Mortgage Lender for Ryan Moreau
Mortgage Services for Laura Fogarty
Mortgage Broker for Adam Jordan
Mortgage Company for Carolina Jordan (Lowcountry Home Sales)
Mortgage Lender for Stephen Lowe
Mortgage Lending Service for Glenn Shepard
Home Ready Mortgages for Manny Roblesreynoso
Mortgage Lender for Bernie H. Hester III
Mortgage Services for Tammy R Stephens
Why Choose Dan Crance As Your Mortgage Lender in Irmo, 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.
Ask Dan Anything843-478-5612
Home Financing in Irmo, 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 Irmo, 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 Irmo, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.
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.
Ask Dan Anything843-478-5612
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 Irmo, SC.
Refinancing in
Irmo, 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 Irmo, 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:
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
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
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.
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.
Trust Dan Crance
Your Mortgage Lender in Irmo, 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 Irmo loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANLatest News in Irmo, SC
Irmo football wins appeal, remains eligible for SC playoffs. Here’s the latest
Lou Bezjakhttps://www.thestate.com/sports/high-school/article295192674.html
Irmo football got a big victory Thursday, one day before its biggest game of the season.The South Carolina High School League executive committee voted 10-2 to overturn sanctions against the Yellow Jackets’ football program that included game forfeitures and a postseason ban. The case involved the league’s finding that an Irmo athlete was technically ineligible to play.With the ruling to overturn those sanctions, a $500 fine was lifted, Irmo won’t have to forfeit any games and the Yellow Jackets remain eligibl...
Irmo football got a big victory Thursday, one day before its biggest game of the season.
The South Carolina High School League executive committee voted 10-2 to overturn sanctions against the Yellow Jackets’ football program that included game forfeitures and a postseason ban. The case involved the league’s finding that an Irmo athlete was technically ineligible to play.
With the ruling to overturn those sanctions, a $500 fine was lifted, Irmo won’t have to forfeit any games and the Yellow Jackets remain eligible for the postseason.
At the center of the discussion was whether the athlete’s family had fully moved together to an Irmo address. School and district leadership testified that the football player’s parents are currently separated and that he lives in Irmo with the mother.
According to the S.C. High School League, information provided by the family was not sufficient enough to confirm an official separation of the parents.
The executive committee voted that the student in question will remain ineligible until his family can produce court-ordered documents to prove the parents are separated. Among the league’s bylaws regarding making a bona fide change of address, it says that “under no circumstances can a family have two residences for eligibility purposes.”
The athlete, a 10th-grader, transferred from Gray Collegiate to Irmo even though his eighth-grade brother stayed at Gray, according to information presented Thursday. Both the SCHSL and Irmo testified that Gray reported the Yellow Jackets and the player in question to the league in early October. But those initial concerns were resolved quickly with a home visit in Irmo, according to testimony.
The athlete, according to Irmo leadership, was held out of the Yellow Jackets’ most recent game (last Friday against Chapin) when new eligibility concerns were raised — again from information turned into the league by Gray.
Executive committee members spoke favorably of Irmo’s efforts to cooperate quickly with the investigation, provide documentation and to keep the player out of action.
“Irmo High School took immediate action with new information,” SCHSL executive committee member Adam Lanford said. “They did their due diligence to chase that down. Under these circumstances, this is the right judgment.”
Irmo’s case wasn’t on the meeting’s original agenda Wednesday but was added because of the time-sensitive nature and because the regular season ends Friday.
The Yellow Jackets are 9-0 on the season and face city rival Dutch Fork for the region championship on Friday. Win or lose, Irmo is expected to be receive a first-round bye in the playoffs.
Irmo was of two Midlands teams appealing eligibility Thursday regarding football players.
Gray Collegiate was denied 10-2 in its appeal of an ineligible player and announced it will make a final appeal before the appellate panel, likely on Monday. If Gray loses the next appeal, they will not be allowed in the playoffs.
This story was originally published November 7, 2024, 11:27 AM.
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