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.
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 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.
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 Johns 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 COUNTY, S.C. (WCIV) — A few neighbors on Johns Island are concerned after seeing zoning notice signs appear around the area with little to no information.Part of that concern has to deal with 13 scenic trees that could soon be removed.Read more: Charleston loses community soul food spo...
CHARLESTON COUNTY, S.C. (WCIV) — A few neighbors on Johns Island are concerned after seeing zoning notice signs appear around the area with little to no information.
Part of that concern has to deal with 13 scenic trees that could soon be removed.
“It’s the 13 scenic trees here, two of which are on my property, and plenty of other trees are going to be encroached upon, which is going to kill them down the road," said Gus Miller, a Johns Island resident. "I think the live oaks are the heart and soul of Johns Island, and I think it’s a huge reason why people want to live on Johns Island."
Miller says he began to notice the signs on Monday. The notice is calling for the removal of the trees to make room for a "River Road right of way."
“We’re not only losing the trees, but I mean, they’re cutting into my property. It would be a shame to lose these pinnacle live oaks," Miller continued. "We want specific information and how they plan on doing this, and really, we’re looking for an alternate solution, because I don’t think this is it."
Miller believes a compromise can be made without cutting down the trees, and he hopes to get answers sooner rather than later.
“I just want information, and I'll do everything in my power to save these trees," Miller said. "I love living on Johns Island; I don’t want to live anywhere else, and these trees- they really frame the island, and that’s why I love it."
A public hearing will be held on Aug. 7 at 4 p.m. in the Charleston County Council Chambers where more details will be released about the proposal.
Johns Island conjures up visions of shady grand oak trees dripping with Spanish moss, offering a peek into a more rural side of Charleston. Several dining options have long existed for the residents of the island, but as its population grows, so grows the burgeoning food and beverage scene.Since 2005, Hege’s Restaurant in Freshfields Village has served French cuisine in a bistro setting with classics like French onion soup, crab cakes and steak frites. Down on Maybank Highway, local favorite Wild Olive has led the way in sustain...
Johns Island conjures up visions of shady grand oak trees dripping with Spanish moss, offering a peek into a more rural side of Charleston. Several dining options have long existed for the residents of the island, but as its population grows, so grows the burgeoning food and beverage scene.
Since 2005, Hege’s Restaurant in Freshfields Village has served French cuisine in a bistro setting with classics like French onion soup, crab cakes and steak frites. Down on Maybank Highway, local favorite Wild Olive has led the way in sustainability and locally sourced items, boasting housemade pasta and a stunning Italian wine list.
But these popular staples are not the only game in town.
“We knew that Johns Island was growing faster than other parts of the area and also that we wouldn’t have to deal with some of the same logistic problems,” said John Williams, co-owner of Johns Island eatery The Royal Tern, echoing the sentiments of others who brought their businesses to the island for the community and space.
Bottom line: Johns Island’s developing food and beverage community is now a force to be reckoned with.
U.S. Navy veteran Jordan Hooker opened one of the island’s new additions in June, Somm Wine Bar, and he hopes it becomes a vital name on the island.
“Somm is a neighborhood-focused wine bar specializing in wine flights with special attention to detail, to incredible meat and cheese offerings,” Hooker said. “It’s kind of a Cheers bar, where everybody knows your name.”
Somm’s wine flights come with informational cards about each selection, which help guests discover something new.
“I like when people come in and are open to trying new things because the amount of flights that I have that turn into glass pours are astonishing,” Hooker said.
He said he likes to keep the menu fluid because there’s such a wide variety of wine and charcuterie available across the world. Somm’s charcuterie and cheeses are all vegetarian-fed, hormone- and antibiotic-free. And since Somm strictly serves wine, beer and charcuterie, it’s currently the only true wine bar on the island, a fact Hooker is proud of.
“We’re the only ones here on Johns,” he said, adding he is happy about the island’s reception of the shop and the weekly regulars that Somm has already gained.
Another newcomer Periwinkle Kitchen aims to fill a gap on the island, offering healthy chef-made to-go options.
Periwinkle, which opened mid-June on Betsy Kerrison Parkway, has a diverse menu that changes weekly, with fun staples like the BLT tortellini pasta salad and three chicken salad options. Recently, it offered a beef stroganoff that captured flavors of home.
“I was missing my parents, so I wanted to make things that remind me of my mother,” said chef Haley Gunter of the beef stroganoff. For Gunter, Periwinkle Kitchen is a space that allows her ideas to flow. “I finally got to a spot that I was able to help create,” she said.
Periwinkle’s owner Kim Hayes wants to do more than just serve delicious food.
“[Our staff] wants to build their careers, and we want to help them build them,” Hayes said. For her, Periwinkle Kitchen is an opportunity to give back on a personal level.
“I blew my back out in active duty [in the Army] and had a massive spine injury,” she said. “I didn’t know if I would ever stand or walk again, and now that I can, it’s a big thing to come in and see people smiling when they come into the cafe.”
Periwinkle Kitchen values the community and is proud to give back to it. A portion of the proceeds from its Heartfelt Cinnamon Rolls goes to the GreenHeart Charity.
“When you think of us, I hope what people always think of is a company that gives back to the community,” Hayes said. “It starts in your own backyard.”
Periwinkle also has Johns Island’s only juice bar where cold-pressed juices are served. It soon may turn into a smoothie bar, too.
For Johns Island locals, this next one is no secret, but for everyone else, it might be. Seanachai Whiskey & Cocktail Bar opened in 2011 and recently turned over ownership in 2019 to chef and U.S. Marine Corps veteran Jason Myers and his wife, former figure skater Marissa Myers.
“The pub has been around since 2011, and it’s just become a landmark and staple of Johns Island,” Jason Myers said. “We’ve been running it more or less the same as the founder intended.”
But, that’s not to say the establishment hasn’t grown.
“We just offer a really strong food program. Nothing crazy inventive, but super, super solid,” Myers said. “We’re a bar with a kitchen, not a restaurant.”
With the island’s increasing growth and the bar’s popularity, Seanachai will soon open for lunch and on Sunday evening’s after brunch.
“[Brunch] has easily become our second-busiest day of the week,” Myers said, highlighting brunch cocktails, like the Irish coffee cocktail, which he said is “second to none.”
He has also grown the whiskey list from about 100 to 350 whiskeys, adding that several times a year, he hosts a whiskey dinner.
“I typically try to do four to six of them a year, and they’re private, ticketed events. The whole pub closes down, the vibe changes to lowlight, candles and jazz, and I do a five- or six-course tasting menu with whiskey and cocktails.”
Myers and his wife also opened Flyin’ High Frozen Yogurt next door, offering frozen yogurt, coffee, pastries, CBD, Delta-8 and Delta-9 products.
Mexican eatery Minero shuttered its doors downtown in 2020 after six years on East Bay Street, but in June 2022, it found a new home on Johns Island — with much more space.
“The downtown location and kitchen were very small. We didn’t have room to have an expansive menu,” said Kenny Lyons, vice president of operations at the Neighborhood Dining Group.
In the new space, Minero added a back deck with games, as well as a live-fire charcoal grill used to make fajitas and items featuring charcoal-grilled chicken, like chimichangas and enchiladas, paired with housemade tortillas.
Lyons said the Johns Island community has welcomed the move with overwhelming support.
Brothers John and Ben Williams fulfilled their dream of opening a restaurant in 2019 when they moved to the Lowcountry and started The Royal Tern.
“The ability to design a space and building based on the way we wanted it as well as the ability to provide parking for patrons and employees was a huge deciding factor,” John Williams said.“Our initial goal was to offer the local Johns Island community a new restaurant where they could feel at home. With their loyalty and praise, we have been able to continue to grow as word gets out to people in the surrounding areas of Charleston.”
The Royal Tern offers globally inspired preparations of seafood and beef created by chef Kyle Kryske. Fan favorites include blackened swordfish, whole grilled fish and grilled shrimp, with gluten-free crème brÛleé and carrot cake as desserts.
Williams added that The Royal Tern’s manager and resident sommelier, Garth Herr, is always looking for wines to complement the menu. It also offers a phenomenal bar and cocktail program led by Jimmy Shea, making The Royal Tern a well-rounded place for a night out.
With so many possibilities, new and old, it’s pretty clear that no matter what you’re in the mood for, the Johns Island restaurant community has a fix for it, and they are excited to see you when you arrive.
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A new development is coming to a neighborhood right off of Maybank Highway has some neighbors talking.JOHNS ISLAND, S.C. (WCSC) - A new development is coming to a neighborhood right off of Maybank Highway has some neighbors talking.As you hit Timberline Drive and Maybank Highway, it takes you directly into the new neighborhood, Maybank Village. The new development is hard to miss as it sits at the front of the community.The groundwork for a new Spinx gas station has just begun. The project has been in the works since ...
A new development is coming to a neighborhood right off of Maybank Highway has some neighbors talking.
JOHNS ISLAND, S.C. (WCSC) - A new development is coming to a neighborhood right off of Maybank Highway has some neighbors talking.
As you hit Timberline Drive and Maybank Highway, it takes you directly into the new neighborhood, Maybank Village. The new development is hard to miss as it sits at the front of the community.
The groundwork for a new Spinx gas station has just begun. The project has been in the works since 2021, and members of the neighborhood say they’re not happy with the development. There is only one way into the upcoming gas station, and it requires drivers to enter the neighborhood first, then turn right to get into the station.
Residents say they don’t understand why Maybank Highway needs another gas station with several stretching across the highway already.
“Why? We don’t need a gas station here. If you go a mile down Maybank that way, there’s two gas stations. If you go down Maybank that way two miles, there’s two more gas stations. So why do you need a gas station here in the middle of Maybank that’s going to cause horrendous traffic jams,” Treasurer for the Homeowners Association Bill Antonucci said.
There are serious concerns about the bright lights and noise that might come along with the Spinx Station as well.
“This gas station is coming so close to our residential properties. These people in this house right here are going to have gas pumps and gas tanks right in their backyard. The people that are building this site, people in the city council, and the people in the zoning departments don’t seem to care. We’ve had people write to them and nobody seems to care. Nobody is responding,” Antonucci said.
Despite the frustration from members of the community, the City of Charleston is allowed to do this based on zoning regulations.
“The business in question is being built under the site’s base zoning, which is a property right protected by state law,” a city spokesperson said in a statement. “That’s why the city strongly supports a comprehensive, all-of-the-above traffic-relief strategy for Johns Island, including the widening of Maybank Highway, the construction of both the northern and southern pitchforks and the completion of I-526. The city will continue to work closely with our state and county partners until Johns Island residents see real traffic relief as a result of these and other critical roadroads projects.”
Copyright 2023 WCSC. All rights reserved.
There are several powerful reasons why Seabrook Island Town Council should reject a proposed annexation that would pave the way for a new boat dock, private clubhouse, boathouse, pool house and 10 rental cottages near the town’s northern limits.The additional boat and car traffic would create more congestion on Betsy Kerrison Parkway in particular and Johns Island in general, as well as more pollution to the otherwise pristine Bohicket Creek. But the biggest reason Town Council should reject the 18-acre annexation is the dangero...
There are several powerful reasons why Seabrook Island Town Council should reject a proposed annexation that would pave the way for a new boat dock, private clubhouse, boathouse, pool house and 10 rental cottages near the town’s northern limits.
The additional boat and car traffic would create more congestion on Betsy Kerrison Parkway in particular and Johns Island in general, as well as more pollution to the otherwise pristine Bohicket Creek. But the biggest reason Town Council should reject the 18-acre annexation is the dangerous precedent it would set, a precedent that would erode the rural character of southern Johns Island.
Decades ago, local governments, led by the city of Charleston and Charleston County, agreed on an urban growth boundary across Johns Island and other areas. The big idea was to ensure their zoning and other policies were synchronized to allow suburban development to continue to spread, but only up to a point, beyond which the existing rural nature would be preserved. The boundary has generally worked well, but as with so much other conservation work, it needs to be embraced and reaffirmed by each new generation.
Seabrook Island’s potential move would mark one of the first and most dramatic annexations by a municipality into the rural portion of the island; if it succeeds, it almost assuredly wouldn’t be the last, and it could hasten the unraveling of the boundary line — and increase development pressures on the shrinking amount of land on the rural side of the boundary.
Robby Maynor of the Coastal Conservation League agrees that annexing and rezoning this property on the rural side of the urban growth boundary would set a disastrous precedent on the county’s Sea Islands and could lead to annexation battles such as those that are playing out along the most rural stretches of the upper Ashley River, whose rural historic district remains in jeopardy from encroaching homes, stores and the traffic they bring. Approving the marina project would be “like kicking an anthill and hoping you don’t get bit,” he says.
The case that the property’s owner and other supporters have made for the annexation is that it would give Seabrook Island future control of the site and limit future development there, according to reporter Warren Wise. But the proposal appears to us as designed to facilitate development, not to curb it. Annexing the site, which is next to Bohicket Marina, would allow it to tie into the town’s sewer system.
Unfortunately, Seabrook Island’s Planning Commission has recommended annexing the site and rezoning it for a mixed-used development. We urge Town Council members to reject that move when they consider the matter Aug. 22.
As Mr. Wise noted, the project is a scaled-down version of a 30-year-old Andell Harbor project that state environmental regulators rightly and mercifully rejected. While this is smaller, with only about 4 acres of development near the creek and the rest set aside for open space, it still would represent an unwelcome and disturbing encroachment into the rural area between the barrier islands of Kiawah and Seabrook and the suburban growth from the city of Charleston.
Last year, we urged elected officials, neighborhood leaders and planners with Charleston County and the two beach towns to come up with a mutually agreed-upon overlay for their shared area at the southern tip of Johns Island. That overlay should guide future development toward the kinds of uses — and the sizes and scale — residents of all three jurisdictions would most like to see, and help address growing real estate pressures in a way residents prefer. We repeat the call for regional cooperation, and Seabrook Island’s rejection of this annexation would be an important first step.
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Download imageClemson University’s Historic Preservation program is launching the Johns Island Preservation Field School. The summer field school program funded by the Andrew W. ...
Clemson University’s Historic Preservation program is launching the Johns Island Preservation Field School. The summer field school program funded by the Andrew W. Mellon Foundation and the Vernacular Architecture Forum focuses on researching and documenting late 19th and early 20th century public buildings and their role within the African American community on Johns Island, SC.
Alongside Clemson’s Historic Preservation program, the Avery Research Center for African American History and Culture at the College of Charleston, the Progressive Club and the Gullah Geechee Cultural Heritage Corridor Commission (GGCHCC) are hosting this three-week program—the field school runs from May 22 to June 9.
“The field school brings together African American studies, public history, history, historic preservation and other thinking and skills, all surrounding important and story-laden historic places and the people associated with these built environments,” explained Amalia Leifeste, associate professor of historic preservation at Clemson University.
The program includes workshops by historic preservation faculty, history faculty, archivist, scholars and local community educators, teaching participants about life in the Johns Island community during the Reconstruction, Jim Crow and Civil Rights periods. Through hands-on training in historic preservation documentation and research methods, including archival research, measured drawing, photography, laser scanning, photogrammetry and GIS, participants will learn how to document the physical fabric and cultural narratives associated with the historic buildings and landscapes on Johns Island.
“This is the kind of work that can bring new people into the field of historic preservation and assists in continuing to evolve the field to include buildings and people not always centered in historic conversations,” Leifeste said.
Johns Island residents will also be encouraged to apply to the second year of the field school (Summer of 2024), and they will be given priority along with applicants demonstrating historic or cultural ties to Johns Island or the broader Gullah Geechee Cultural Heritage Corridor. Residents will also be invited to participate in one-day workshops with topics including reading buildings with Jobie Hill. Community members will be compensated for their time in attending these workshops.
Johns Island Preservation Field School also offers three public events during its three-week tenure on the island. The public is invited to panel discussions, student presentations and a preservation advocacy discussion. Following are the events that are open to the public: