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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 Johns 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 - Johns 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 Johns 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 Broker Johns Island, SC
 Refinance Johns Island, SC

Why Choose Dan Crance As Your Mortgage Lender in Johns 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.

 Conventional Mortgage Johns Island, SC

Home Financing in Johns 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 Johns 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 Johns Island, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.

 FHA Mortgages Johns Island, SC

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 Johns Island, SC.

Refinancing in
Johns 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 Johns 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:
 Home Ready Mortgages Johns Island, SC
Shorter Term Loan

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

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

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.

 Mortgage Banker Johns Island, SC

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 Johns 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 Johns 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.
 Mortgage Company Johns Island, SC

Trust Dan Crance

Your Mortgage Lender in Johns 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 Johns Island loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

Latest News in Johns Island, SC

$277M hospital proposed for Johns Island

Trident Medical Center has submitted a Certificate of Need to the South Carolina Department of Health and Environmental Control to build a $277 million hospital on Johns Island. The application is for a 50-bed acute care hospital between Maybank Highway and Cane Slash Road, across from the Live Oak Square development.Projections for Johns Island Hospital show that within the first three years it will create nearly 300 jobs, contribute $10 million in non-income taxes to support the community and pay $70 million in salaries, wages and b...

Trident Medical Center has submitted a Certificate of Need to the South Carolina Department of Health and Environmental Control to build a $277 million hospital on Johns Island. The application is for a 50-bed acute care hospital between Maybank Highway and Cane Slash Road, across from the Live Oak Square development.

Projections for Johns Island Hospital show that within the first three years it will create nearly 300 jobs, contribute $10 million in non-income taxes to support the community and pay $70 million in salaries, wages and benefits, the organization said in a release.

“We are excited to continue making medical care more accessible to residents in our historically underserved communities,” Trident Health President and CEO Christina Oh said in the news release. “Currently on Johns Island and neighboring communities, it can take residents 30 to 45 minutes to drive to their nearest hospital, and often longer in heavy traffic and inclement weather. Our goal is to increase access to timely, high quality and affordable health care services.”

Trident Medical Center’s chief of the medical staff and medical director of emergency services, Dr. Scott Hayes, said he sees firsthand the results of delayed care.

“For residents who live far from emergency medical care and who may be experiencing a medical emergency like a heart attack or a stroke, minutes can mean the difference between life and death,” he said in the news release. “Access to care close to home is critical, especially in areas like Johns Island and the surrounding communities, that have frequent traffic delays.”

Trident Health surgeon Dr. Thomas Litton, who lived on Johns Island for 20 years and recently moved from there largely due to increasing traffic congestion and limited access routes off the island, said, “The rapid population growth and development of Johns Island, as well as its role as the sole gateway to Kiawah, Seabrook and Wadmalaw Islands, has created a strong need for a full-service hospital in the area. Residents on those islands have never had a full-service hospital. Trident’s hospital on Johns Island and their freestanding ER on James Island will greatly improve residents’ access to much-needed medical care.”

Johns Island Hospital will be located seven miles from James Island Emergency, Trident’s new freestanding ER at 945 Folly Road, Charleston, that will open in the next few weeks.

Plans call for Johns Island Hospital to have 50 beds with space to expand to 150 beds, 40 medical/surgical/stepdown beds, 10 ICU beds, 20 ER rooms, four operating rooms, two endoscopy suites and a cardiac catheterization lab. The hospital also would have two CT scanners, an MRI, two diagnostic radiology suites and a fluoroscopy room.

In addition to the hospital, services would include medical offices for primary care and specialists as well as outpatient imaging and support such as breast imaging, rehabilitation and other outpatient therapy services.

“From our first discussions about building a hospital on Johns Island, we have been committed to creating a thoughtful plan that preserves the natural beauty of Johns Island,” Oh said in the release. “We will honor the strong Gullah Geechee cultures of the community; we will partner with the areas’ community and businesses; and will promote the important and unique contributions of Johns Island’s agricultural community.”

The proposed Johns Island Hospital is in addition to nearly $140M in capital investments currently underway at Trident Health’s hospitals, Trident Medical Center and Summerville

Reach Ross Norton at rnorton@scbiznews.com or 864-642-5229.

Residents fed up with 'deplorable' living conditions at Johns Island apartment complex

JOHNS ISLAND, S.C. (WCIV) — It started as an island paradise, but residents at a Johns Island apartment complex say their home now resembles the woods.The residents of Sea Island Apartments, which houses about 48 people off Maybank Highway, are speaking out against what they describe as "deplorable" conditions.Read more: ...

JOHNS ISLAND, S.C. (WCIV) — It started as an island paradise, but residents at a Johns Island apartment complex say their home now resembles the woods.

The residents of Sea Island Apartments, which houses about 48 people off Maybank Highway, are speaking out against what they describe as "deplorable" conditions.

Read more: One80 Place launches eviction prevention line to support Charleston renters

"We have seen grass grow almost knee and chest high," said Farley, a disabled military veteran who has been living in the complex for six years. "You see fallen trees in the area, people not receiving maintenance, and overloaded trash bin."

In addition to the overgrown vegetation, the residents are concerned about random visits from wildlife. They say it seems management has slacked off and there's been little to no communication.

"You're forced to pay rent on time, but still, your issues are going unaddressed," Farley said. "We'll reach out to management and they haven't meet with us. Every time, they change management or owners. Nobody has contact to it."

It started as an island paradise, but residents at a Johns Island apartment complex say their home now resembles the woods. (WCIV)

There is also only one trashcan in the entire community and a small number of parking spaces.

"You have disabled people having to walk all the way down to one trash bin," Farley said. "There are not enough handicap parking spots. (Management) told us we'd have to park on the side of the road if there are no parking spaces."

"It's time we be up to date, as we were before," said Charlotte Turner, who has been living in the complex for 10 years. "Management needs to show a serious concern about resident complaints, at least be willing to meet or communicate."

Read more: Mayor Tecklenburg to host ribbon cutting for six new affordable housing properties in Charleston

A councilman was reached for comment on this area, but he was unable to conduct an interview due to prior commitments. A representative from the Charleston Development Group was also reached for comment.

Johns Island residents push back on proposed bridge over marsh

The marshy edges of the Charleston peninsula and its surrounding islands were long viewed as opportune sites to dump debris and add developable land mass to a city surrounded by water.But that attitude has shifted in recent decades as concerns over sea-level rise and loss of native plants and animals take focus. That’s why a proposal to build a bridge over a largely untouched marsh on Johns Island caught nearby residents off guard.“It was astounding to me,” said John Zlogar, chairman of the Johns Island Task F...

The marshy edges of the Charleston peninsula and its surrounding islands were long viewed as opportune sites to dump debris and add developable land mass to a city surrounded by water.

But that attitude has shifted in recent decades as concerns over sea-level rise and loss of native plants and animals take focus. That’s why a proposal to build a bridge over a largely untouched marsh on Johns Island caught nearby residents off guard.

“It was astounding to me,” said John Zlogar, chairman of the Johns Island Task Force. The group was established a decade ago to bring together residents and local officials to address Johns Island-specific issues.

The S.C. Department of Health and Environmental Control will review an application from property owner Michael Blanchard to build a bridge connecting his piece of land on a narrow island in Pennys Creek, a tributary of the Stono River, to the mainland of Johns Island. The property is zoned to allow up to 40 single-family homes, but Blanchard has not submitted any formal plans to the city yet. The lot has been in his family since the 1940s but until now, no one has had the financial means to both develop it and build a bridge to it, he said.

“We’d like to put some houses on it,” he said. “Heck, I would live out there if I could.”

Building a bridge would connect his 60-acre property to an existing neighborhood made up of two roads and about 200 townhomes off of River Road. An extension of one of those roads, Fenwick Planation Road, would be required for drivers to access the bridge. And Blanchard already has an easement there because his family previously owned the land across Pennys Creek as well.

But using that easement would result in what resident Candice Losego calls, “an eyesore.”

“It would go right against my backyard,” she said.

A view that currently gives way to marsh grass, seabirds and the occasional herd of deer, would be obstructed by a 33-foot-wide bridge the length of 1½ football fields.

Losego and other residents of the neighborhood have been rallying supporters to call for DHEC to host a public hearing on the proposal.

Because DHEC has received over 20 requests for a hearing, officials said they will host one on Johns Island but have not set a date and time yet. At the hearing, residents will have an opportunity to share comments about the proposal before DHEC reviews the application.

Potential alternatives

As of now, Blanchard’s lot is inaccessible.

The nearest road to Blanchard’s property on the island, Rushland Landing Road, runs perpendicular to it and leads to a bridge connecting to Johns Island. Between Blanchard’s land and Rushland Landing Road is a piece of property owned by S.C. Department of Transportation that stretches the width of the island, isolating Blanchard’s lot.

Residents and environmental advocates would prefer Blanchard get an easement from the S.C. Department of Transportation to access Rushland Landing Road instead of building another bridge.

“The applicant does not appear to have detailed why this is an infeasible route for access,” a comment submitted to DHEC by the Coastal Conservation League states.

DOT bought the property adjacent to Blanchard’s in 2019 in anticipation of the department’s plan to extend Interstate 526 and link West Ashley, Johns Island and James Island. As a part of the larger project, the department plans to build a connector through its property on the small island in Pennys Creek.

Charleston Chief Resiliency Officer Dale Morris said that if the project gets the go-ahead, it would make more sense for Blanchard to try to tie into the proposed connector that would run though the island and use it as the main access point to his property rather than attempt to build his own bridge.

“The Dutch Dialogues would say, ‘have as little of a touch on the marsh there as you can,’” Morris said, referring to a yearlong flood-management research program the city underwent in 2019. “Using the I-526 opportunity to access that land would be better than building that bridge.”

But the full project has stalled somewhat due to eye-popping cost estimates that most recently landed at $2.2 billion. While the agency works to fill funding gaps, any property DOT bought in preparation for the effort sits in limbo.

Blanchard said if he had his way, he wouldn’t have to build a bridge at all.

“If we can get access to Rushland Landing Road, we would give up on the bridge in a heartbeat,” he said.

A statement from DOT said granting access to the property is “not possible,” due to the myriad government agencies involved in the I-526 project. The agency is also not obligated to grant access to Blanchard because it had been landlocked long before DOT bought the property, the statement read.

Whether the bridge plans materialize or not, Blanchard will likely face fresh opposition should he choose to develop his property.

A shifting tide

New developments in sensitive areas such as Pennys Creek are in murky territory when it comes to city regulations.

What is currently legal may not be legal a few years from now.

That’s because Charleston officials are currently crafting a Comprehensive Water Plan and a new zoning code for the entire city. When those documents are complete, developers will have a new set of standards to follow. And those could restrict how much building happens in low-lying areas, especially along a marsh.

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“We have to turn those concepts and goals into a zoning ordinance and language,” Morris said. “Once we do that we will have more control over how and where development can occur.”

But without new zoning laws in place, the city is facing an uphill battle managing the drainage needs of both old and new neighborhoods.

Upstream from Pennys Creek, Charleston is pursuing a $12 million drainage project around the Barberry Woods Development. The city plans to restore 25-acres of wetlands around the flood-prone neighborhood for use as a public park and natural drainage tool. The open space will help absorb stormwater that eventually runs into Pennys Creek and then the Stono River. The last thing the city needs, Morris said, is another bridge disrupting that process.

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Reach Emma Whalen at 843-708-5837. Follow her on Twitter @_emma_whalen.

Charleston Co. School District makes progress with new Johns Island elementary

A new elementary school planned for Johns Island is making its way through the approval process with the City of Charleston.CHARLESTON, S.C. (WCSC) - A new elementary school planned for Johns Island is making its way through the approval process with the City of Charleston.The construction plan went before the design review board for the second of its three times, on Monday. It’s a standard, but lengthy, process any builders go through with big projects in the city.Executive Director of Capital Programs Jasmeen Sha...

A new elementary school planned for Johns Island is making its way through the approval process with the City of Charleston.

CHARLESTON, S.C. (WCSC) - A new elementary school planned for Johns Island is making its way through the approval process with the City of Charleston.

The construction plan went before the design review board for the second of its three times, on Monday. It’s a standard, but lengthy, process any builders go through with big projects in the city.

Executive Director of Capital Programs Jasmeen Shaw explains the school is going to be state of the art and offer STEAM – science, technology, engineering, arts and math – education.

“The island truly deserves a brand-new school and we’re able to bring them a brand-new school which as well as alleviates some of the overcrowding that’s been caused by growth in the area – which is a great thing,” Shaw says.

The elementary school will be off of River Road. It is planned to be two stories and serve 700 2nd through 5th graders.

During community meetings last year – some people expressed concern about traffic. Part of the construction also includes building a roundabout on River Road to enter the school property. The project also includes adding a left turn lane from River Road to Brownswood Road and adding a right turn lane from Brownswood Road onto River Road.

“We’re going to bring several road improvements to the area, which is not only going to benefit the school which operates Monday through Friday for the most part, but even on weekends and as a whole, this particular school is going to be an asset to the entire community,” Shaw says.

Stephanie Yesil and her husband live in a neighborhood off River Road.

“Maybe it will help with the development of River Road and turning it into a safer place. Maybe adding some sidewalks, maybe adding some additional controls, maybe some new lights, maybe some new signs to make it even more family friendly. So, this could be a really good thing if it’s done well,” Yesil says.

She is a former education who says she doesn’t have kids yet, but supports investing in education.

“My husband and I hopefully one day will be parents but for now, I mean, we love our neighbors and almost every single one of them have new children and it would be really nice to make sure that this is more of a community-oriented place rather than having a bus kids all over the place,” Yesil says.

The elementary school is meant to help with the crowding at the Angel Oak Elementary, which is operating at 129% capacity over operating ability. The $53.5 million dollar brand new school will offer STEAM programs. Then, the Angel Oak Elementary building will be converted to serve as a head start and 1st grade center, so all levels are included. The goal open date for the school is the start of the 2024-2025 school year.

“I think education is always a great idea. I think there’s always going to be a need for it. I can’t speak to other city planning. I can’t necessarily speak to any other kinds of businesses that we should have over here. But you’ll always get a yes vote for me when it comes to bringing in good teachers, good people and giving more and more space for kids to go to places to learn,” Yesil says.

Monday, the design review board approved the conceptual plans and submitted the information to staff for a further focused review. The board made some aesthetic suggestions to the plans like more fencing around the back of the building, but overall supported the designs. Charleston County Schools says the project is on track and they expect to start site prep work in March.

Copyright 2023 WCSC. All rights reserved.

New traffic light on Maybank Highway causes controversy amongst Johns Island neighbors

JOHNS ISLAND, S.C. (WCBD) – Some Johns Island neighbors like the new traffic light, and some say it’s causing traffic issues on the island, but city officials say they’re working to make sure this new light doesn’t become a problem for drivers moving forward.The new traffic light at the intersection of Maybank Highway and Fenwick Hall Allee is causing quite a controversy a...

JOHNS ISLAND, S.C. (WCBD) – Some Johns Island neighbors like the new traffic light, and some say it’s causing traffic issues on the island, but city officials say they’re working to make sure this new light doesn’t become a problem for drivers moving forward.

The new traffic light at the intersection of Maybank Highway and Fenwick Hall Allee is causing quite a controversy amongst Johns Island neighbors. Some are appreciative of the addition.

“This light I feel like it does help a lot,” Johns Island resident Liz Jannetta said, “especially for this community.”

Some believe it’s the cause of increased commute times across the island.

“Little bit of a negative coming back because it starts to bottleneck,” Johns Island resident Marek Pawulski said. “People coming onto Johns Island and leaving Johns Island.”

But Charleston City officials say because the new light has only been in operation for a week, no one can definitely say it’s the reason for the congestion.

“I would say it’s speculation,” Robert Somerville, director of traffic and transportation for the City of Charleston, said. “We really need to get some data collected.”

Somerville says Charleston County has already begun the process of gathering that data.

“They have counters placed on Maybank so we can look at the volumes,” he said, “and compare it to pre-installation of the signal to the volumes that we’re seeing now.”

With more than 80 accidents at the intersection, including multiple fatalities, neighbors in the Fenwick Plantation subdivision would like others to see why this new light is needed.

“I have three teenage kids,” Jannetta said, “two who both drive now and putting them, before this light came, having them make lefts out of this neighborhood it was gut-wrenching. I don’t even know what else to say.”

And though some people see the new light as a main cause for backups on the island, they understand it was installed for everyone’s safety.

“If this light came in for the purpose to prevent accidents and save lives then I think it’s a good thing,” Pawulski said. “But like you said, I think they need to set up the timing a little bit better so it doesn’t bottle up towards Headquarters or way past River Road.”

Charleston City officials say they will continue working on the timing of the light, and they’re urging all drivers to be patient during that process.

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