With 30 years in the industry

Mortgage Broker in James Island, SC

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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 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.

Service Areas

Mortgage Services for Eric Gibson

★★★★★

Great advise & service ending with a smooth close.

Mortgage Broker for Kimberlee Puccio

★★★★★

Dan went above and beyond to make the entire process smooth and enjoyable! He was well informed and available to answer all of my questions! I would absolutely recommend doing business with him.

Mortgage Company for Seth Seal

★★★★★

Dan is extremely helpful and has a top notch team that makes the home buying process easy!

Refinancing for Rose Griest

★★★★★

I have worked with Dan for three years now, and we just closed on our first home. Dan has done much more than handle our mortgage process, he helped us understand how the entire home buying process works, how credit works, and what goes into qualifying for a mortgage. He even recommended a company to help fix my husband's credit! Every other lender I spoke to before finding Dan told me to just run everything off my credit alone, when he heard that he scoffed and got to work getting us both where we needed to be. He's extremely responsive over text and email and calls, he's very informative, and his office ladies Serena and Donna are very thorough as well! I would recommend anyone who, like me, didn't get any form of education on credit, mortgages etc growing up-- go to Dan to help you buy your home!!

Mortgage Lending Service for Michael McIntyre

★★★★★

You'll be hard pressed to find a better mortgage man to have in your corner when it counts! Great guy, great service, and as honest as they come!

Home Ready Mortgages for Ed Jones

★★★★★

Honest and competent! You won’t find a better person to do business with!

Mortgage Lender for Ryan Moreau

★★★★★

Dan Crance at Classic Home Mortgage was great to work with! He and his team communicated with my buyer and all parties throughout the transaction. They had very competitive rates and worked very quickly to get the buyer into their new home.

Mortgage Services for Laura Fogarty

★★★★★

Dan is the consummate professional. Diligent, knowledgeable, and helpful through every step of the entire home financing process. From writing an offer to closing day, I know I can count on Dan to answer his phone and answer my questions to keep things on track. Highly recommend Dan Crance for all financing and refinancing needs.

Mortgage Broker for Adam Jordan

★★★★★

I cannot express how grateful I am for the exceptional service provided by Dan Crance! As a real estate agent with Lowcountry Sales Team of RE/MAX Inspire, I have had the pleasure of working with Dan on numerous occasions, and each time, he has surpassed expectations. Dan's dedication to his clients is truly commendable. His expertise in the mortgage industry is evident, and he goes above and beyond to ensure a smooth and stress-free home buying experience. I've had several clients who were initially nervous about the mortgage process, and Dan's friendly demeanor and thorough explanations put them at ease. What sets Dan apart is his commitment to communication. He keeps all parties involved in the loop, ensuring everyone is on the same page throughout the entire process. This level of transparency is invaluable in the real estate industry, and it's one of the reasons I consistently recommend Dan to my clients. Moreover, Dan's efficiency is remarkable. He understands the urgency often associated with real estate transactions and works tirelessly to meet deadlines. I appreciate his attention to detail and proactive approach in addressing any potential issues that may arise. If you're in search of a mortgage lender who not only knows the ins and outs of the industry but also genuinely cares about your experience, look no further than Dan Crance. Working with him has been a pleasure, and I wholeheartedly endorse him for anyone in need of a reliable and personable mortgage professional. Thank you, Dan, for your continued excellence in serving our clients!

Mortgage Company for Carolina Jordan (Lowcountry Home Sales)

★★★★★

Dan is an amazing Loan Officer. He cares for his clients and works through any humps in the process. Dan work with clients to get them to the right loan program to buy their home or refi their current mortgage if need it. I highly recommend Dan for all your mortgage needs.

Mortgage Lender for Stephen Lowe

★★★★★

Update from my original review from 2020....still 5 stars! Dan is the man! He helped me with my second home purchase, and the process was just as smooth as my first. I will continue to recommend him to everyone! I’ve known Dan for a long time, and I’m very happy that I chose him to help me finance my mortgage on my first home. He was very honest up front on how much I’d be spending throughout the whole process, and was able to explain anything I didn’t understand very simply. He and his team helped make buying my first home a great experience. Highly recommended!!

Mortgage Lending Service for Glenn Shepard

★★★★★

Dan was great! He answered all my questions I had and got back to me very quickly with everything I needed to do on my end. Dan's a straight shooter right to the point kind of guy! Definitely will be recommending him!

Home Ready Mortgages for Manny Roblesreynoso

★★★★★

Dan was a great help in the home buying process. He is very knowledgeable and helps guide you through the steps to get your future home. highly recommend.

Mortgage Lender for Bernie H. Hester III

★★★★★

After having my mortgage get derailed by an online lender out of California who has they name on a stadium near LA, not mentioning any names, Dan and his crew got things back on track quickly and almost made the original closing date even though the other company wasted over 2 weeks of our contract time. The online lenders appraiser came back 100k, yes 100k short of the contract price on a 342,000 deal. Dan's team used a local appraiser and the deal closed smoothly.

Mortgage Services for Tammy R Stephens

★★★★★

Dan is prompt personable and very experienced. He will answer any of your mortgage related questions I highly recommend his services

Why Choose Dan Crance As Your Mortgage Lender in James Island, 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.

Home Financing in James Island, 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 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.

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.

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 James Island, SC.

Refinancing in
James Island, 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 James Island, 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.

Generally speaking, you should consider refinancing when mortgage rates are 2% lower than the current rate on your home loan. For some homeowners, refinancing makes sense when there is only a 1% difference. Reducing your mortgage rate is a great way to save money or apply your savings to a home upgrade. The money you save on your refinanced loan depends on your loan amount, budget, income, and charges from interest rates. It's crucial that you work with a trusted mortgage loan officer in James Island, SC, to help calculate your refinancing options.

This is one of our most frequently asked questions at Classic Home Mortgage. In simple terms, points let you make a tradeoff between the upfront costs of your loan and your monthly payment amount. Points are essentially costs that you have to pay to your mortgage lender to get financing under specific terms. A point is defined as a percentage on your loan amount. 1-point is equal to 1% of the loan. So, 1 point on a loan worth $100,000 is equivalent to $1,000. When you pay some of the interest on your home loan upfront, you use discount points to lower your interest rate.

If you plan to live in the property for a few years, it makes a lot of sense to pay points to lower your interest rate. Doing so will help lower your monthly loan payment, which you can use to save money. Paying points may also increase the amount of money that you can borrow. If you do not plan on living in the property for at least a few years, this strategy might not make financial sense because you might not be able to make up the amount of the discount points you paid up-front.

In short, yes, your mortgage lender will need to know your credit score. Credit scoring is a system that creditors use to decide whether they will give you credit. Your credit score helps creditors decide how creditworthy you are or how likely you will repay your loan. In most circumstances, creditors will use your FICO scores during the loan process. Your score will fall between high risk (350) and low risk (850). Your credit score plays a big role in the loan process, and as such, your score must be accurate before submitting a credit report when applying for a loan.

The answer to this question depends on how money you choose to put as a down payment on your home. On a conventional loan, if your down payment is less than 20% of the price of your home, your mortgage broker in James Island may require you to get Private Mortgage Insurance or PMI for short. This insurance protects your lender in the event you default on your mortgage. The best way to avoid paying for this insurance is to make a down payment of 20% or more of the purchase price of your home.

Trust Dan Crance

Your Mortgage Lender in James Island, 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 James Island loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

James Island announces historical immersive driving tour

Published: Oct. 31, 2024 at 5:00 PM PDT|JAMES ISLAND, S.C. (WCSC) - James Island visitors and residents alike will have a new way to learn about the community’s history starting in November.The town will launch “Voices of the Revolution,” an immersive driving tour on Nov. 10 from 2-5 p.m. at Fort Johnson.The tour will include historic interpreters, refreshments, maps and details for downloading the free tour.The new driving tour was made possible thanks to a $12,000 grant from the SC250 Commissio...

Published: Oct. 31, 2024 at 5:00 PM PDT|

JAMES ISLAND, S.C. (WCSC) - James Island visitors and residents alike will have a new way to learn about the community’s history starting in November.

The town will launch “Voices of the Revolution,” an immersive driving tour on Nov. 10 from 2-5 p.m. at Fort Johnson.

The tour will include historic interpreters, refreshments, maps and details for downloading the free tour.

The new driving tour was made possible thanks to a $12,000 grant from the SC250 Commission, which was chartered by the South Carolina General Assembly in 2019 to commemorate the 250th anniversary of the American Revolution.

“We couldn’t be prouder of the work our History Commission, town staff and community members have done on this project,” James Island Mayor, Brook Lyon, said. “This history tour is going to be a fun and educational experience for residents and visitors for years to come.”

The tour is narrated and produced by Evans Byrd, a native Charlestonian and certified history tour guide with more than 20 years of experience.

Additionally, historic figures are brought to life with the following voice talents:

Neal Kinard

A beloved local historian and storyteller, Neal Kinard has dedicated his life to uncovering and sharing Charleston’s rich history. His work often appears on local platforms, and he is known for his engaging presentations at the Charleston Museum and various historical societies.

Dominica Harrell

An advocate for cultural preservation, Dominica Harrell is the founder of the James Island Cultural Heritage Society. With a deep familial connection to the area, she has played a vital role in initiatives that honor the island’s diverse heritage through events and educational programs.

Tessa Spencer

A well-known television personality, Tessa Spencer is a news anchor at WCIV. With years of experience in broadcasting, Tessa brings her passion for storytelling and community engagement to the project.

Roger Gaither

A prominent artist and educator, Roger Gaither has exhibited his work throughout the Lowcountry.

Phillip Koontz

A talented musician and local performer, Phillip Koontz has shared the stage with various artists at renowned Charleston venues.

Bill Sharpe

A respected journalist and former anchor at WCSC, Bill Sharpe has reported on Charleston’s evolving landscape for decades.

Terry Bryant

A dedicated community leader, Terry Bryant has worked tirelessly to improve the lives of residents on James Island. Through her advocacy and civic engagement, she emphasizes the importance of community involvement in shaping the island’s future.

Kenneth Ursin

A cherished educator with over 30 years of experience, Kenneth Ursin has taught in various Charleston schools and is known for his innovative teaching methods.

The event and the tour are free and open to the public. For more information, please visit the Town’s website at jamesislandsc.us

Disclaimer:

This website publishes news articles that contain copyrighted material whose use has not been specifically authorized by the copyright owner. The non-commercial use of these news articles for the purposes of local news reporting constitutes "Fair Use" of the copyrighted materials as provided for in Section 107 of the US Copyright Law.

Mortgage Broker in James Island, SC

Book an Appointment

Classic Home Mortgage Providing Trustworthy Mortgage Guidance for Over 30 Years

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 James Island, SC?

Home Financing in James Island, SC

When you work with Classic Home Mortgage, you can always count on our team to:

While no two loan terms are the same, a few of the most common loan types include:

Refinancing in
James Island, SC

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

Do Away with FHA

Switch to Fixed Rate or Adjustable-Rate Home Loan

Common Questions About Home Loans

Trust Dan Crance

Your Mortgage Lender in James Island, SC

Latest News in James Island, SC

James Island announces historical immersive driving tour

Colt Yearginhttps://www.live5news.com/2024/11/01/james-island-announces-historical-immersive-driving-tour/

Disclaimer:

Business Hours:

Services Areas

Mortgage Broker Summerville, SC

Mortgage Broker in James Island, SC

Book an Appointment

Classic Home Mortgage Providing Trustworthy Mortgage Guidance for Over 30 Years

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 James Island, SC?

Home Financing in James Island, SC

When you work with Classic Home Mortgage, you can always count on our team to:

While no two loan terms are the same, a few of the most common loan types include:

Refinancing in James Island, SC

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

Do Away with FHA

Switch to Fixed Rate or Adjustable-Rate Home Loan

Common Questions About Home Loans

When Should I Refinance My Home?

What Are Points on a Loan?

Should I Pay Points to Lower My Rate?

Will My Lender Need Access to My Credit Score?

Will I Need Private Mortgage Insurance?

Trust Dan Crance

Your Mortgage Lender in James Island, SC

Latest News in James Island, SC

James Island announces historical immersive driving tour

Colt Yearginhttps://www.live5news.com/2024/11/01/james-island-announces-historical-immersive-driving-tour/

Disclaimer:

Services Areas

Mortgage Broker Summerville, SC

Refinancing in
James Island, SC