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 James Island, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - James Island'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 James Island, 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 James Island, 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 James Island, 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 James Island, 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.
CHARLESTON, S.C. (WCSC) - One concerned resident living on James Island says there is a lack of communication on a traffic project that was designed to improve the safety and flow of traffic.The Central Park Road and Riverland Drive Intersection Improvements Project was made to improve the safety and traffic flow of Riverland Drive and Central Park Road for all modes of transportation while minimizing impacts on adjacent property and grand trees. The project officially began in 2018 and is still in the works.More than 11,000 ve...
CHARLESTON, S.C. (WCSC) - One concerned resident living on James Island says there is a lack of communication on a traffic project that was designed to improve the safety and flow of traffic.
The Central Park Road and Riverland Drive Intersection Improvements Project was made to improve the safety and traffic flow of Riverland Drive and Central Park Road for all modes of transportation while minimizing impacts on adjacent property and grand trees. The project officially began in 2018 and is still in the works.
More than 11,000 vehicles a day commute on Riverland Drive, according to the Charleston County Transportation Department, and the lack of turn lanes and significant delays have prompted a plan to relieve traffic congestion at the intersection of Riverland Drive and Central Park Road.
The need for more crosswalks, signs and designated areas, frequent accidents, narrow lanes and delays for school traffic are just a few reasons officials say the project is needed. The funding for the project comes from the second half-cent sales tax.
Eric Lundcrum lives on Terrabrook Lane on James Island and says the road hasn’t been upgraded and the growth continues to climb in the area.
Charleston County spokesperson Kelsey Barlow says the county intends to install crosswalks and a flashing light at the Central Park and Riverland intersection. The project will also add a right-turn lane with refuge on Central Park and a sidewalk along Riverland Drive that will extend to the future Woodland Shores sidewalk to the Riverland Drive multi-use path.
“We should have some consideration on completing some of these projects that are way overdue,” Lundcrum says. “The Charleston County Council is always 20 years behind upgrading infrastructure to satisfy the growth. The other solution was just to put a traffic light there, but they didn’t even do that. Year after year of more growth and year after year no solution to the very busy intersection.”
We reached out to officials from Charleston County who told us the South Carolina Department of Transportation has approved the right-of-way plans, and they are currently in the right-of-way acquisition process. They are scheduled to advertise construction in the third quarter of this year. Currently, officials say the project team has made contact with impacted property owners and working with them for the right-of-way acquisition process.
If you know a road that’s driving you crazy, you can submit your concern here.
Copyright 2024 WCSC. All rights reserved.
South Carolina is nicknamed The Palmetto State after its state tree the sabal palmetto. In fact, during the Revolutionary War, palmetto trees supplied the wood to build forts. Because of its soft texture, it absorbed incoming cannonball fire making it the ideal material! South Carolina joined the union in 1788 making it the country’s 8th state. Wildlife found here includes wild pigs, river otters, ...
South Carolina is nicknamed The Palmetto State after its state tree the sabal palmetto. In fact, during the Revolutionary War, palmetto trees supplied the wood to build forts. Because of its soft texture, it absorbed incoming cannonball fire making it the ideal material! South Carolina joined the union in 1788 making it the country’s 8th state. Wildlife found here includes wild pigs, river otters, Carolina chickadees, American alligators, eastern narrow-mouth toads, gopher tortoises, and the state bird the Carolina wren. In addition, some of the native plants here include loblolly pines, the state flower yellow jessamine, and no doubt, southern magnolias.
The 10 Highest Bridges in South Carolina
Over 9,000 bridges in various shapes and sizes crisscross the state. Learn more about the 10 highest bridges in South Carolina plus more interesting facts about them!
Connecting James Island and Charleston, the Wappoo Bridge crosses over Wappoo Creek 30 feet above the water. However, it is officially, named the Burnet R. Maybank Memorial Bridge. In 1956 the previous swing bridge was replaced with a bascule span design that opens to boat traffic on the Intercoastal Waterway.
The creek honors native Wappoo Indians while the bridge honors the former mayor of Charleston Burnet Rhett Maybeck. He also served as the Governor of South Carolina as well as United States Senator. Indeed, Wappoo Creek Bridge is a historically significant site. For example, this is the site of Fort Pemberton on the creek’s James Island shore, erected during the Civil War. Accordingly, it protected the island from Northern attack.
This twin-span bridge connects the West Ashley area of Charleston to North Charleston with two lanes in each direction and a length of 3,907 feet. It opened in 1980 spanning the Ashley River and marshland. Named for General William C. Westmoreland a South Carolina native who graduated from West Point and also served in the Vietnam War.
Spanning the Wando River, this bridge opened in 1990 and is 7,900 feet in length with twin 44-foot-wide bridges and six lanes connecting Daniel Island with Mount Pleasant. The bridge design incorporates a pair of pre-cast, post-tensioned concrete box girders. This design, costing 34 million dollars, specifically reduces its impact on the marsh areas along the river banks. Named for South Carolina Governor James Edwards, who also served as Secretary of Energy. Wando River Bridge is another name it goes by.
The bridge opened in 2003 replacing a low-level swing-style bridge over the Stonos River. Located 15 miles west of Charleston it crosses the channel between St. Andrew’s Parish and Johns Island. It is 2,800 feet in length and 65 feet above the water.
Opened in 1993 with a 65-foot clearance below, this bridge crosses the Intercoastal Waterway and is 11,703 feet in length. Built using a stringer/multi-beam or girder design it is 54 feet wide and connects the Isle of Palms with Mount Pleasant. Officially named the Clyde Moultrie Dangerfield Highway after a Charleston businessman who also served in the South Carolina House of Representatives.
The Stono River Bridge in Charleston connects with the Johns and James Islands as it spans the Stono River. Built at a cost of around 41 million dollars, this bridge opened in 2003. Named after James Island businessman and politician, Paul Gelegotis it is 7,300 feet in length with four lanes, bicycle lanes, and sidewalks. Indeed, Gelegotis is called the “Father of EMS” because he created the Emergency Medical System in the state. This is also the site of the Stonos Rebellion in 1739 against slavery, one of the first in the United States.
The State of South Carolina considers this bridge, which originally opened in the 1980s, a scenic highway. In 2022, the new bridge replaced the aging swing-span bridge, costing 77 million dollars. It spans the Beaufort River connecting Lady’s Island and Port Royal with a length of 3,000 feet and stands 65 feet above the water.
Spanning the Dawhoo River, the McKinley Washington, Jr. Bridge connects mainland South Carolina to the Edisto Islands. Named for a former statesman who served in the House of Representatives it opened in 1993. Using a steel girder design the bridge is 5,584 feet in length with 97 spans, is 68 feet above the water, and 54 feet wide.
Opened in 1992 this bridge hovers 155 feet above the Cooper River using a parallel chord, three-span continuous, modified Warren-type truss bridge design. It connects North Charleston to Mount Pleasant and Daniel Island. Indeed, it serves as a major hurricane evacuation route for residents in the area. The bridge offers six lanes, is 27,065 feet in length, and is 88 feet wide. In addition, the bridge honors former South Carolina House of Representatives member Don Holt.
At the opening of the bridge in 2005 the bridge became the longest cable-stayed bridge at the time in North America, and the tallest structure in the state! Stretching across the Cooper River it took five years to build. Its magnificent pair of 600-foot towers add a striking element to the skyline. It is 180 feet above the river with eight lanes and a 12-foot-wide pedestrian and cycling lane (Wonders’ Way) named for Garrett Wonders who perished in a bicycle-auto accident.
Connecting Charleston to the Mount Pleasant towns, the bridge design withstands hurricane winds of over 300 miles per hour and earthquakes of 7.4 on the Richter scale. It also has one-acre rock islands flanking the towers to protect the bridge from drifting ships. Built for 632 million dollars, it is about 13,123 feet in length and named for Charleston politician Arthur Ravenel Jr.
The photo featured at the top of this post is © gguy/Shutterstock.com
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Creative writing has always been a passion of mine. When I’m not writing or reading, I can be found outdoors exploring, birdwatching, and hiking.
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Updated with visitor information on Friday, Oct. 13Something green is coming to Charleston, and we’re not talking about St. Patrick’s Day. A new state park is in the works at the tip of James Island. We spoke with SC State Parks Director Paul McCormack for the latest on the project.The waterfront park will be located on 23 acres at the end of Fort Johnson Road, adjacent to the Fort Johnson historic site. The parcel is managed by the SC Dept. of Parks, Recreation & Tourism.In 2021, the state ...
Updated with visitor information on Friday, Oct. 13
Something green is coming to Charleston, and we’re not talking about St. Patrick’s Day. A new state park is in the works at the tip of James Island. We spoke with SC State Parks Director Paul McCormack for the latest on the project.
The waterfront park will be located on 23 acres at the end of Fort Johnson Road, adjacent to the Fort Johnson historic site. The parcel is managed by the SC Dept. of Parks, Recreation & Tourism.
In 2021, the state purchased the land from the Sisters of Charity of Our Lady of Mercy for $23 million. The May Forest Convent located on-site is expected to be converted into an event venue that will be the main component of the new park. Funding has not yet been secured for the venue construction project.
Charlestonians can look forward to a day-use recreation and picnicking area with views of the Charleston Harbor, the Ravenel Bridge, and Fort Sumter. There is an existing gazebo and bench swing. Conceptual images are not yet available, but stay tuned.
An event space, lodging, and a dock may be added in the future. A structural assessment of the property is expected to determine park features down the road. What would you like to see this new park offer? Let us know.
In addition, there is a master plan that envisions the entire ~100-acre Fort Johnson area that is separate from the state park project.
The park is expected to open this spring or summer. There is currently no timeline for potential future amenities, but keep an eye on the newsletter for updates. The plans for Fort Johnson, which surrounds the state park area, are long-term.
May Forest launched its soft opening phase. The new state park on the northeast waterfront of James Island offers views of the Charleston Harbor, Ravenel Bridge, and Fort Sumter, plus woodland and fields abutting the shore.
The park is far from finished — but you can stroll for yourself now.
The South Carolina Department of Natural Resources bought the 23-acre park land from the Sisters of Charity of Our Lady of Mercy for $23.25 million in 2021.
May Forest State Park and the ~100-acre Fort Johnson area make up a long-term development plan including updated trail access, greenspace, historical interpretation, and research campuses.
The park is located at 424 Fort Johnson Rd. Since it occupies one tip of James Island, navigating is easy: just follow the road to its end and follow the signage for visitor parking.
During the soft opening phase, the park is open from 8 a.m.-5 p.m. on weekdays, grounds only.
May Forest is currently hiring a park ranger. Once they do, you’ll be able to visit on weekends, too.
Currently, May Forest offers walking trails and four picnic tables to unwind by the water. Pets are welcome in most areas, but you’ll need to keep them leashed.
As the park grows, look forward to an event space at the old May Forest Convent, overnight accommodations, and dining options.
JAMES ISLAND, S.C. (WCSC) - The site of a proposed preschool on James Island is causing some neighbors to worry about what their yards will look like during a storm or what the traffic will look like during rush hour.The city of Charleston’s Design Review Board approved the basics, like what kind of building materials and plants the developer wants to use, for example, at the proposed Goddard Preschool located at 1137 Folly Rd., ...
JAMES ISLAND, S.C. (WCSC) - The site of a proposed preschool on James Island is causing some neighbors to worry about what their yards will look like during a storm or what the traffic will look like during rush hour.
The city of Charleston’s Design Review Board approved the basics, like what kind of building materials and plants the developer wants to use, for example, at the proposed Goddard Preschool located at 1137 Folly Rd., at Tuesday night’s meeting.
However, neighbor Matthew Pertuset says he’s more worried about what the city will review later on.
“How is that going to affect the, not just the people that back up, but the entire neighborhood?” Pertuset said.
The proposed preschool sits directly behind Pertuset’s home in the Queenborough neighborhood. He says he’s worried about the design of this building’s drainage because of how it already acts during storms.
“We’re already holding water,” Pertuset said. “So, for that to come up even more, I’m not sure. So, it’s a huge concern.”
But Robert Summerfield, the director of planning, preservation and sustainability for the city of Charleston, said because they have some of the most comprehensive stormwater regulations in the region, no project could make the problem worse but could only improve it.
“They’re working very hard to make sure that they are utilizing the existing wetlands on site and enhancing that as a stormwater catchment area,” Summerfield said.
But that’s not the only concern.
“If it is going to be a pickup, you know, we’re right here on Folly Road, how does that look during rush hour traffic in the mornings and the afternoons?” Pertuset said. “Is it going to get pushed into our neighborhood for us to deal with or is it just going to come to a stop on Folly Road?”
Summerfield said the city has already thought about it.
“We have created a drop-off low space so that cars, as they come in and drop their children off or pick them up, will actually flow through the site so that there’s a queueing situation that will occur so that people aren’t ideally not queueing out on Folly,” Summerfield said.
Neither the Goddard School nor the applicant, AAG Architects for Vista 26, LLC, have responded to requests for comment.
However, Pertuset said no matter what comes on this property, he just wants the city to be thorough with their plans.
“It is something that the community needs,” Pertuset said. “I think James Island could afford to have another preschool.”
Summerfield said the city will discuss more drainage specifics once the developer submits the next step to the Technical Review Committee. They will have to pass all initial designs before that is done and there’s currently no timeline of when that might take place.
Copyright 2024 WCSC. All rights reserved.
The first challenges to the S.C. High School League’s reclassification of its member schools began on Tuesday, as 12 schools appealed their placement in the league’s realignment for the 2024-26 school years.Ten more schools will make their appeals on Wednesday.School officials made their cases to the league’s executive committee, and can take their appeals to the league’s appellate panel later this week. A total of 22 schools statewide are lodging appeals with the executive committee.Most of the a...
The first challenges to the S.C. High School League’s reclassification of its member schools began on Tuesday, as 12 schools appealed their placement in the league’s realignment for the 2024-26 school years.
Ten more schools will make their appeals on Wednesday.
School officials made their cases to the league’s executive committee, and can take their appeals to the league’s appellate panel later this week. A total of 22 schools statewide are lodging appeals with the executive committee.
Most of the appeals center around the SCHSL’s decision to use a multiplier to determine student enrollments for its purposes, with students attending a school from outside of its assigned attendance zone counting three times. The multiplier was installed in an effort to address competitive-balance issues, with private and charter schools dominating state championships in lower classifications in recent years.
Three Charleston-area schools made their appeals on Tuesday.
James Island Charter, moved to Class AAAAA in reclassification, had its request to remain in AAAA denied. Burke, moved up to Class AA, had its appeal to remain in Class A denied.
Charleston Math & Science, moved up to Class AAA from Class A, won its appeal to remain in Class A for the next two years.
Bishop England, bumped up from Class AA to AAAA, will have its appeal to move to Class AAA heard on Wednesday.
Columbia’s Gray Collegiate Academy, a sports-oriented charter school and a center of much of the competitive-balance debate, was bumped up two classifications, from AA to AAAA, by the league’s multiplier. The school requested to play in Class AAA, but was denied by a vote of 12-3.
James Island officials made their case to remain AAAA by saying the school was willing to remain in Region 7-AAAA, which includes Colleton County and Beaufort-area schools. The school said it was willing to accept a considerable increase in travel expenses over what it would incur in a local AAAAA region.
Members of the committee noted that James Island’s attendance numbers, which total 1,968 including the multiplier, would place the school in Class AAAAA even without the multiplier, but only because the league has increased the number of AAAAA schools to 56.
After discussion, the committee voted 14-1 to deny the request to remain in AAAA.
Charleston Math & Science, which is currently in Class A, was reclassified to AAA by the league. The school, which is not competitive for state titles in most programs, hinted that a move to AAA could result in the school closing all of its athletics programs. School officials said the athletic department operates at a deficit as a Class A school.
According to the multiplier numbers, CMS would be the smallest school in AAA with 672 students, and would have almost 400 actual students fewer than two schools, Dillon and Newberry, just ahead of them in the AAA list.
The committee decided by a vote of 12-3 to allow CMS to remain in Class A for the next two years.
Burke appealed a move from Class A to AA based on a decline in competitiveness, even though its attendance numbers are solidly in Class AA even without the multiplier. Enrollment numbers, however, are in a steady decline; Burke’s multiplier attendance number is 469.
The committee voted 14-1 to put Burke in Class AA. Burke could be reassigned to Class A in the next reclassification in 2026.
In other appeals on Tuesday, Abbeville High was denied (by 9-5) an appeal to be assigned to Class A. Abbeville is currently listed as the smallest AA school in the state (379 students with the multiplier), while three schools in Class A have larger attendance numbers. Abbeville will appeal the decision to the appellate panel.
Seneca High’s appeal to remain in Class AAA was denied (14-1), and the school will be assigned to AAAA.
Fox Creek won its appeal (by 11-3) to move to Class AAA. Fox Creek was originally bumped from Class AA to Class AAAA in the realignment.
Southside Christian, a private school in Simponsville, was denied (by 9-5) its appeal to move from Class AAA to AA. Southside Christian was moved from Class A to AAA in the recent reclassification with a multiplier attendance number of 676.
Brashier Middle College, a charter school in the upstate, was assigned to Class AAA, a move up from Class A. The school appealed to be classified to Class AA and the committee granted that request by a vote of 12-4.
High Point Academy, a Class A school in Spartanburg, was moved to Class AAA after use of the multiplier. The school appealed to stay in Class A, but was denied. However, the committee did vote to place the school into Class AA.
Horse Creek Academy of North Augusta, moving into the SCHSL for the first time, was classified to AAA. However, the school offers only 10 varsity sports and one junior varsity program, and does not field a football program. The committee voted to put the school in Class A.
St. Joseph’s Catholic School of Greenville, currently in Class A, was reclassified to Class AAA and requested to be placed in Class AA. The committee denied the request by 12-2.