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.
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 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.
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.
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.
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 Irmo loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANPAT Sajak's farewell year as Wheel of Fortune host kicked off with a bang - in the form of a huge cash prize - on Tuesday's episode.Latoya from Irmo, South Carolina, clinched a whopping $100,000 with a jaw-dropping solve on a bonus puzzle that provided very few hints.Expressing her passion for cooking and weekly culinary experiments, Latoya seamlessly translated her kitchen skills to the game.She racked up $19,500 through a series of correct puzzle solves before advancing to the one-contestant bonus round.Choosing...
PAT Sajak's farewell year as Wheel of Fortune host kicked off with a bang - in the form of a huge cash prize - on Tuesday's episode.
Latoya from Irmo, South Carolina, clinched a whopping $100,000 with a jaw-dropping solve on a bonus puzzle that provided very few hints.
Expressing her passion for cooking and weekly culinary experiments, Latoya seamlessly translated her kitchen skills to the game.
She racked up $19,500 through a series of correct puzzle solves before advancing to the one-contestant bonus round.
Choosing "Person" as the category, Latoya's excited boyfriend Dexter waved to her and Pat, 77, off-stage as the suspense built.
Facing a challenging three-word puzzle with only two revealed "L's" from the customary "RSTLNE," Latoya went with "CMDO" as her additional picks.
Undeterred by the limited clues, the puzzle presented itself as: "’ ‘ _ _ L _ C’ ‘O _ _ _ C _ _ L’
Acknowledging the challenge, Pat dryly admitted: "You’ve got your work cut out for you," and urged her to "talk it out" as the ten-second timer began.
However, Latoya wasted no time, acing it with the confident declaration, “A public official?”
The crowd erupted as Pat confirmed her correct answer and she exclaimed: "Oh my god!"
The climax came as Pat revealed the prize card contained a rare $100,000 bonus win.
Confetti showered the stage as Pat carted himself off-screen, leaving Latoya and her beau to revel in their well-deserved payday of $119,500.
Overwhelmed with excitement, Latoya continued to exclaim "Oh my God!" and covered her face while the audience erupted in cheers.
Wheel of Fortune fans rejoiced at the fantastic start to the New Year and the emotional victory.
One YouTube viewer wrote: “She's a really good player. That was exciting to watch."
Another applauded: “She is one of the few to have very few letters and solving the puzzle and winning $100,000."
A third wrote: “Holy jeepers, bonus round puzzle worth the dough!! Congrats, lady!”
A fourth simply penned: “LETS GO LETS GO!!"
Big $100,000 wins only happen every few months on the game show.
Meanwhile, a scant three players have ever won the $1M prize, four counting Celebrity Wheel’s Melissa Joan Hart.
Wheel of Fortune's host since 1981, Pat, is retiring this June, and Ryan Seacrest is taking over come fall.
IRMO — With less than a week until he is sworn in, Irmo’s future mayor has his hands full.In November, Irmo Councilman Bill Danielson, a business executive who was elected to the town council in 2020, beat out the town’s current mayor, Barry Walker, in his bid for reelection. Since then, constituents have been calling nonstop, Danielson said.“With change, people get nervous,” Danielson said. “So, I’m ...
IRMO — With less than a week until he is sworn in, Irmo’s future mayor has his hands full.
In November, Irmo Councilman Bill Danielson, a business executive who was elected to the town council in 2020, beat out the town’s current mayor, Barry Walker, in his bid for reelection. Since then, constituents have been calling nonstop, Danielson said.
“With change, people get nervous,” Danielson said. “So, I’m trying to be very hands-on right now and be very responsive to our citizens.”
With an eye on Irmo’s town hall space, bolstering public safety and instilling unity on the council, Danielson said the transition between leaders has been smooth so far.
On Nov. 7, voters in Irmo, a 12,000 resident town that straddles Lexington and Richland counties, favored Danielson over Walker, the town’s current leader, by a 4 percent margin.
Walker served as the town’s mayor for one term, after being elected as Irmo’s first Black mayor in 2019. Walker also sat on the council for several decades before that.
Also in the 2023 election, current Councilman Erik Sickinger was reelected, and Phyllis Coleman snagged an open seat. Because Danielson’s council seat does not expire until 2025, the town will soon conduct a special election to fill his vacant seat.
With so much movement on the council, one of Danielson’s top priorities is getting new members up to speed and ensuring that the new collection of council members works smoothly together.
“Coming into a town council role, it’s drinking water through a firehose,” he said. “And the plan (to unify the council) is simple. The plan is to make sure everybody is involved.”
Additionally, when every seat has been filled, Danielson said he would like to have a meeting to gather the rest of council’s ideas on where to take the town.
Another top issue when Danielson takes office is figuring out the future of Irmo’s town hall building, he said. The town staff is bursting at the seams in its current home, and is in desperate need of an expansion. Though a property for a new facility has been identified, just down the street from the current town hall, funding for to build it is still up in the air, Danielson said.
IRMO, S.C. (WIS) - A man running for the Town of Irmo Municipal Election was disqualified, the Lexington County Election Commission announced.Officials announced on Monday, the candidate, George Frazier, was ineligible to vote in the election he was running in.The Lexington County Election Commission sent WIS News 10 a statement of Frazier’s disqualification:Thank you for reaching out to me. Failsafe Voting is designed to allow voters who have moved from ‘one South Carolina precinct to another&rsq...
IRMO, S.C. (WIS) - A man running for the Town of Irmo Municipal Election was disqualified, the Lexington County Election Commission announced.
Officials announced on Monday, the candidate, George Frazier, was ineligible to vote in the election he was running in.
The Lexington County Election Commission sent WIS News 10 a statement of Frazier’s disqualification:
Thank you for reaching out to me. Failsafe Voting is designed to allow voters who have moved from ‘one South Carolina precinct to another’ and failed to update their address to update the address on Election Day and vote (7-5-440). Mr. Frazier moved into Lexington County from Richland County. His move should have been reported at least 30 days before the Election to be able to Vote. Mr. Frazier was disqualified as a Candidate as he was ineligible to vote in the election that you are running in. I have spoken directly with Mr. Frazier about this matter. (see Article…and the AG opinion is attached)
In addition, due to the timeline of building the Election, it is past the 48th-day deadline to have his name removed. I have attached the AG Opinion on this matter.
Early Voting started today and a notice was posted stating the disqualification of Mr. Frazier as a Candidate.
You can see a copy of the Attorney General’s office opinion:
Frazier told WIS News 10 that he moved to Irmo from Richland County on Monday, Oct. 2, but did not notify the election commission in time of the move. He said he caught pneumonia and ended up in the hospital for a few days.
The election commission said Early and Absentee Voting has begun. They added the Town of Irmo was not responsible for the determination of Frazier’s disqualification.
The Municipal Election Day is on Tuesday, November 7.
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Irmo football’s potent offense delivered another masterful performance Friday night.The Yellow Jackets used a variety of big plays to defeat Myrtle Beach, 55-24, in the second round of the Class 4A playoffs at WC Hawkins Stadium. Irmo goes to James Island next week in the third round for a rematch of last year’s postseason game, a win by the Islanders.Quarterback AJ Brand threw three touchdown passes and ran for a score. Running back Jaden Allen-Hendrix ran for two touchdowns and caught a 57-yard TD.Receiver ...
Irmo football’s potent offense delivered another masterful performance Friday night.
The Yellow Jackets used a variety of big plays to defeat Myrtle Beach, 55-24, in the second round of the Class 4A playoffs at WC Hawkins Stadium. Irmo goes to James Island next week in the third round for a rematch of last year’s postseason game, a win by the Islanders.
Quarterback AJ Brand threw three touchdown passes and ran for a score. Running back Jaden Allen-Hendrix ran for two touchdowns and caught a 57-yard TD.
Receiver Telvin Smith returned a punt and a kickoff for a touchdown and also caught a TD pass.
“We had a heck of a test tonight. Coach (Mickey) Wilson and that group came out with a good game plan,” Irmo coach Aaron Brand said. “But our horses were just too much for them tonight. When those 200-pounders in the backfield get going and get (Donovan) Murph over the top for the big plays and Telvin Smith on the wings, we are tough to beat.”
Irmo (12-0) has 12 wins in a season for the first time since 2006. On Friday, they had four scoring plays of 50 yards or more in the game, with two coming in the final three minutes of the first half.
Brand connected with Murph on a 57-yard TD pass to put Irmo up 21-10 with 1:55 left in the second quarter.
After Irmo’s defense forced a three-and-out, Brand hit Allen-Hendrix on a swing pass out of the backfield that went 57 yards for the score and a 28-10 lead.
Brand finished 8-of-10 passing for 184 yards and also carried it 13 times for 128.
Myrtle Beach battled back in the third quarter. Quarterback Gibson Goodroe hit John Simmons for a touchdown to cut the lead to 28-17. But Smith took the ensuing kickoff back 94 yards for a touchdown to put Irmo back up 34-17.
On the Seahawks’ next possession, Malachi Washington took a hook-and-ladder for TD to trim the lead to 34-24 with 6:22 in the third quarter.
Myrtle Beach got it inside the 15-yard line at the beginning of the fourth quarter. But after a holding call pushed the Seahawks back, they missed a field goal.
Irmo marched it dowfield and Allen Hendrix scored on a 10-yard TD to make it 41-24 with 8:59 left.
“We had to find out who was going to show up when it got hard, and who was going to step up to the plate,” Allen-Hendrix said. “Defense stepped up at the end and showed up. Then the offense did what we had to do to close out the game.”
Hendrix finished with 267 all-purpose yards including 185 rushing yards on 14 carries. Smith had 133 all-purpose yards.
Irmo’s defense had five sacks and also picked off a pass.
The Hammond Skyhawks are headed back to the SCISA Class 4A championship game.
Hammond used a big first half Friday to defeat Cardinal Newman, 33-14, at Edens Stadium. Hammond will play Laurence Manning for the state championship next Friday at Charleston Southern.
It was Hammond’s second win over Cardinal Newman this season and 24th straight over the Cardinals.
Hammond led 20-0 at halftime. Robert Malanuk had a TD pass, Kinson Holland a TD run and Bubba Alexander returned a fumble 51 yards for a score with 46 seconds left in the second quarter.
Cardinal Newman got it within 26-14 on Cortez Lane’s TD run with 3:59 left in the third quarter.
But the Skyhawks scored on a double reverse as Jack Croft hit quarterback Andrew Turner to make it 33-14 with 3:33 left.
Elgin Sessions blocked a potential game-tying field goal as Dutch Fork defeated TL Hanna, 31-28, in the second round of the Class 5A playoffs.
Dutch Fork will host Gaffney in the third round next week.
Backup quarterback Ethan Offing, starting in place of injured Jon Hunt, ran for 137 yards and a TD and threw for 123 yards and a score for the Silver Foxes.’
Offing’s 2-yard run put the Silver Foxes up 31-28 with 8:11 left.
TL Hanna marched down on its next possession, chewing most of the clock and got it to the Dutch Fork 10, but Sessions blocked Walker Broome’s kick to preserve the win.
Deon Winsley had a 90-yard fumble return for a touchdown to put Dutch Fork up 10-0 in the first quarter.
KD Patterson rushed for 215 yards and two touchdowns and Josh Donald also had two TDs for TLH.
There will be an all-Midlands showdown in the third round of the Class 3A Lower State playoffs.
Gilbert defeated Hanahan, 49-35, and Camden defeated Dillon, 35-21, both on the road, to set up next week’s game at Zemp Stadium.
The two teams met in the 2020 playoffs with Camden winning, 58-7.
In Camden’s win Friday, quarterback Grayson White threw two touchdowns, ran one in and also returned an interception for a touchdown. White was 20-of-32 passing for 220 yards and also ran it 12 times for 82 yards.
In Gilbert’s win, freshman Trevon Williamson rushed for 312 yards, three touchdowns and Jaylen Jay had 141 yards and three scores. Drake Braddock had a TD pass to Krew Morris.
White Knoll 50, Fort Dorchester 7: Quarterback Landon Sharpe threw five touchdown passes as the Timberwolves (12-0) moved on to the third round of the 5A playoffs. White Knoll will host Sumter next week.
Sharpe was 13-of-19 passing for 182 yards.
Five different Timberwolves (12-0) caught touchdown passes: Tiyon Fanning, CJ Earl (2), Tyson Cox, Austin Cunningham and Evan Henderson.
Cunningham caught five passes and also threw a TD pass. Fanning led WK rushing with 96 yards and a TD.
Dimensions Banks and Trenton Ilunga each had two sacks for the Timberwolves.
Brookland-Cayce 34, Philip Simmons 13: The Bearcats won their 10th game for the first time since 2016 and moved on in the 3A playoffs. B-C faces Crestwood next week. Running back DeShaun Washington rushed for 214 yards and four touchdowns. Jvonn Edwards added a TD run and Will Young rushed for 68 yards.
Gray Collegiate 62, Chesnee 14: The War Eagles rolled to the third round with a win over Chesnee. Gray will host Strom Thurmond next week. Quarterback Tyler Waller threw for two touchdowns and BJ Montgomery rushed for 150 yards and a TD. Dre Dopson had a TD pass.
Silver Bluff 22, Fairfield Central 21: Jordan Boyd had the game-winning interception return for a touchdown and the Bulldogs made the two-point conversion in the fourth for the win.
Strom Thurmond 53, Keenan 20: Quan Edmond threw four touchdown passes and Chris Barnes had two TD runs and a kickoff return for a score for Strom Thurmond. Keenan had a pair of defensive touchdowns, inclluding a fumble return by Corey Williams.
South Florence 50, Richland Northeast 20: The Cavs’ season ended at the hands of the defending 4A champions. SyRee Livingston ran for three touchdowns to lead South Florence. Will Wilson had two touchdowns for RNE.
Abbeville 41, Newberry 28: Jha’Louis Hadden ran for three touchdowns in Abbeville’s win over Newberry. Abbeville will host Silver Bluff next week. Kenton Caldwell had two touchdown passes and a TD run for Newberry.
This story was originally published November 11, 2023, 12:04 AM.
View this issue Browse other issues Local newsLexington welcomes new municipal clerk after predecessor’s 20-year tenure endsThe Town of Le...
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