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 Kiawah 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 - Kiawah 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 Kiawah 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 Kiawah 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 Kiawah 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 Kiawah 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.
Welcome to the Golfweek’s Best 2022 list of the Top 200 Modern Courses built in or after 1960 in the United States.Each year we publish many lists, with this Top 200 Modern Courses list among the premium offerings. Also extremely popular and significant are the lists for Top 200 Classic Courses, the Best Courses You Can Play State by State and Best Private Courses State by State.The hundreds of members of o...
Welcome to the Golfweek’s Best 2022 list of the Top 200 Modern Courses built in or after 1960 in the United States.
Each year we publish many lists, with this Top 200 Modern Courses list among the premium offerings. Also extremely popular and significant are the lists for Top 200 Classic Courses, the Best Courses You Can Play State by State and Best Private Courses State by State.
The hundreds of members of our course-ratings panel continually evaluate courses and rate them based on 10 criteria on a points basis of 1 through 10. They also file a single, overall rating on each course. Those overall ratings are averaged to produce these rankings. The top handful of courses in the world have an average rating of above 9, while many excellent layouts fall into the high-6 to the 8 range.
To ensure these lists are up-to-date, Golfweek’s Best in recent years has altered how the individual ratings are compiled into the rankings. Only ratings from rounds played in the past 10 years are included in the compilations. This helps ensure that any course in the rankings still measures up.
Courses also must have a minimum of 25 votes to qualify for the Top 200 Modern or the Top 200 Classic. Other Golfweek’s Best lists, such as Best Courses You Can Play or Best Private, do not require as many votes. This makes it possible that a course can show up on other lists but not on the premium Top 200 lists.
Each course is listed with its average rating next to the name, the location, the year it opened and the designers. The list also notes in parenthesis next to the name of each course where that course ranked in 2021. Also included with many courses are links to recent stories about that layout.
After the designers are several designations that note what type of facility it is:
• p: private • d: daily fee • r: resort course • t: tour course • u: university • m: municipal • re: real estate • c: casino
* Indicates new to or returning to this list.
Editor’s note: The 2022 Golfweek’s Best Classic Courses list for the top 200 layouts built before 1960 in the U.S. was posted Wednesday, May 25. The Best Courses You Can Play lists and the Best Private Courses lists will follow over the next two weeks.
It takes more than a pandemic to stop Shinedown. When studio time became problematic, they built their own. Situated on bassist/producer/mixer Eric Bass’s property on Kiawah Island, South Carolina, Big Animal Studios birthed the band’s seventh album, ...
It takes more than a pandemic to stop Shinedown. When studio time became problematic, they built their own. Situated on bassist/producer/mixer Eric Bass’s property on Kiawah Island, South Carolina, Big Animal Studios birthed the band’s seventh album, Planet Zero.
A ferocious marriage of raw, heavy chops and dystopian atmosphere (much of it stemming from the wrath of social media), it’s an aural sucker punch that befits the stadium-straddling, Chuck Norris-rivalling manner of their shows. Powerhouse singer Brent Smith takes stock of the past two years.
Prior to the pandemic you lived in hotels, didn’t you?
I live in hotels pretty much exclusively. I had a house in California from 2011 to 2016 – I think I lived in it for seven months. The priority of my life is my son. He’s fourteen and lives in Florida. But my mother always said I was born with a gypsy heart. I don’t own anything apart from the two suitcases I travel with.
The awards and those kinds of things are in my parents’ basement. I have a pretty substantial guitar collection there, too. It has humidifiers that keep the temperature controlled. They built it for my guitars because they live in the mountains of Tennessee, so the temperature fluctuates.
What’s the prize guitar in your collection?
I have one of Adam Jones’s from Tool. It’s the Les Paul with the grey and white, with the swirl. It’s a gorgeous guitar. Then there’s a small-body Gibson acoustic, it actually might be from the late forties, early fifties. I got it in New York City nineteen years ago, and it was nicknamed ‘The Ghost’ because it doesn’t matter if you restring it with pristine strings, it sounds exactly the same. It’s very Roy Orbison. It emotes, it cries.
How have the past two years been for you on a personal level?
It’s been an education. My first day of lockdown, I got up and typed in: ‘What is a coronavirus?’ That took me on a journey. I started at ten a.m., I didn’t really come up for air until four a.m. You learn that this is not the first pandemic in human history, it probably won’t be the last.
I’m not a doctor, I didn’t go to college, but I can tell you how the human body works, because I’ve studied every single aspect of it. Everyone said that the internet was undefeated. That’s not true. Mother Nature is undefeated. We occupy this planet with a lot of different life forms and we should be respecting all of that.
Did you do anything for fun? It’s difficult to picture you baking banana bread.
Every day, at the beginning, I was trying to do something online to expose something personal in my life. I told everybody I was gonna bake a German chocolate cake, cos it’s my favourite cake and I never did it, so I have to make good on that eventually. But no, I was researching the whole time. A friend of mine was like: “How long do you think this is gonna go?” I said: “Full duration? Five years.”
Do you still think that?
Yes, we’re still in the middle of it. There’s a lot of people that have PTSD [post-traumatic stress disorder] from this shit. I have friends of mine that aren’t the same anymore because of this, and it’s heart-breaking.
Would Planet Zero have happened without the pandemic?
Absolutely not, we would have never written anything like this. But that’s part of the journey. Everything happens for a reason. The last six records we’ve written, that’s from life experience, situations, scenarios. The difference between those and this record is that this was a record that was written in real time, along with everybody else that was going through this.
On the song Sure Is Fun you sing ‘the aliens are coming and we’re staring at the sun’. Do you think there’s life on other planets?
Oh, one thousand percent. I don’t think this is the only universe. With Sure Is Fun I remember in America the Pentagon put out: “Yes, there is such a thing as actual UFOs”, and nobody cared because we were in the middle of a pandemic, and in the same breath there was this crazy eclipse. So that’s where that line came from. I don’t think that we’re ‘it’, I don’t think we’re alone.
Shinedown opened for Iron Maiden in Belfast this year. That band must inspire you.
We did forty-four shows with Iron Maiden in 2017. We know those guys and girls really well, and that was one of the most inspiring tours we did. Any time we can play with the boys in Iron Maiden is a good day. We learned so much from them.
How does it feel going on stage, in front of all those people?
I’m terrified. I’m so nervous I’m close to the point of getting sick. There is this thing that washes over me right before I walk on stage that is every single fear I have in my life – all of them, like a gang of ’em, they all get in front of me. But it lets me know I’m alive. It lets me know that it still means everything to me. Normally I settle in after the [first] chorus. What happens then, for the entire two hours, is me negotiating with my fears.
You mentioned your son. He’s really into basketball isn’t he?
Very much so. I think it’s more from his mother, cos she’s a tomboy. Me and her have a very good relationship – she’s married to another man – and we’ve known each other for half of our lives. But [my son] plays basketball at school. I think he’s got real potential. I have told him, though: “Listen, if you really wanna be a professional, you gotta be sleeping with that basketball, you need to have it with you at all times. If you really mean it, that’s a twenty-four/seven gig.”
You’re a fan of The Muppets. Who would you rather do a scene with, Cookie Monster or Miss Piggy?
A hundred percent Miss Piggy. If I could do it with Cookie Monster and Miss Piggy, that would be the best! But Fozzie is my favourite. Because he’s awesome, you can’t not love Fozzie.
Planet Zero is out on July 1 via Atlantic Records.
Polly is Features Editor at Classic Rock magazine, where she commissions regular pieces and longer reads (including new band coverage) and writes a few things. She also writes for Louder, Prog and Metal Hammer, and talks about songs on the 20 Minute Club podcast. In her spare time she writes fiction and cooks.
Dog is a man’s best friend. Or in Brandon Close’s case, the face and name of his rapidly expanding barbecue sauce company, Chipper Dog BBQ.Named after Close’s 12-year-old English Bulldog Chipper, Chipper Dog BBQ sauce and rub has suddenly found itself in 115 stores across five states — Georgia, Illinois, Iowa, North Carolina and South Carolina — in just over two years.What started as a backyard hobby turned into an actual business venture.“I started smoking [meats] like 15 years ago in...
Dog is a man’s best friend. Or in Brandon Close’s case, the face and name of his rapidly expanding barbecue sauce company, Chipper Dog BBQ.
Named after Close’s 12-year-old English Bulldog Chipper, Chipper Dog BBQ sauce and rub has suddenly found itself in 115 stores across five states — Georgia, Illinois, Iowa, North Carolina and South Carolina — in just over two years.
What started as a backyard hobby turned into an actual business venture.
“I started smoking [meats] like 15 years ago in the backyard,” said the 38-year-old Close. “I worked for John Deere [in Illinois] and on Saturdays and Sundays, I’d be spending them in the backyard with the smoker. I read an article about Carolina barbecue sauce and had never made it before. I did it for a college presentation on different barbecue sauces, actually. We were close, but we weren’t traditional Carolina barbecue sauce. It’s evolved from there a lot, obviously.”
Close moved to Charleston in 2015 and found himself working in kitchens across the city at places like Bessinger’s and Sticky Fingers, developing a tongue fit to make his own branded barbecue sauce. He “invested” in himself and incorporated Chipper Dog BBQ in April of 2020 after an infusion of startup cash from his late grandmother. Shortly afterward though, the pandemic hit. Fortunately, Close worked at Timbers on Kiawah Island as a manager out front and a cook in the kitchen. There he was able to further develop his sauce and realize its wide-scale potential.
At Timbers, Close added his barbecue and sauce to the menu. “That was kind of our proof of concept,” he said. “Because people would come down and get a barbecue sandwich as the first thing they did when they got into town.”
Between shifts at Timbers, Close spent hours on the internet researching different ways to get a product on grocery store shelves. He reached out to co-packers in the region, other barbecue sauce companies and even went on Facebook food and beverage groups to ask for advice.
“I always said, everything we’re going to do, we’re going to do it professionally, and I don’t care if it costs me more money,” he said.
By July, 2020 Close had locked in a co-packer who could bottle his sauce and left Timbers. By that September, with the product in hand, he hit the ground running.
Close started with the 40-plus Piggly Wigglys in South Carolina — all of which are independently owned. If your product is good, he said, it’s far easier to convince a Piggly Wiggly owner or manager to carry your product as opposed to big corporations like Publix or Kroger. The first location to carry Chipper Dog BBQ was the Piggly Wiggly on Skylark Drive in West Ashley.
The next stop was the Piggly Wiggly on Otranto Drive in North Charleston, where he met the district manager of Lowcountry Grocers, owner of 15 Piggly Wiggly locations across South Carolina.
From that chance meeting, Close received contacts for around 34 stores across the state. With phone numbers, names and addresses in hand, he pounded the pavement.
“I just went to every one of them,” he said. “I would start out by calling them. If I did that and talked to them beforehand, then stopped in and showed them the product, it was about a 90% chance I was gonna get in. If I just cold call and stop in, about a 30% chance.”
Chipper Dog eventually found itself in 30 Piggly Wiggly stores across South Carolina. From there, dominoes started to fall.
To land a deal with independent IGA stores, Close contacted W. Lee Flowers in Lake City, S.C., which not only owns and operates 50 IGA and KJ grocery stores in Georgia and the Carolinas, but warehouses that distribute food to them.
Close then worked out an arrangement with Perfect 10 Distribution, distributors of popular southern and Lowcountry brands like King of Pops, Red Clay Hot Sauce and Marsh Hen Mill, by applying on the website.
In just under two years, Chipper Dog BBQ Sauce was carried in over 100 grocery stores.
Close next landed a deal with Lowes grocery stores. Chipper Dog participated in the Lowes-sponsored Pinehurst Barbecue Festivals Sauce Showdown competition last Labor Day. The winner would earn a one year Lowes shelf contract. Chipper Dog didn’t win, but that didn’t stop Close from making a connection. At the festival, he simply asked Lowes team members about carrying Chipper Dog. The team gave him the name of Lowes buyer, and by 2022, Chipper Dog was in all 15 Lowes Foods in South Carolina.
Starting in August of 2021, Close added a booth at the Charleston City Market and Night Market to his growing list of locations for Chipper Dog. He had spent so much time getting into grocery stores that there wasn’t much time to set up a booth in the local market.
“I feel like there are people that make careers out of the Charleston market and people that make careers out of wholesaling,” he said. “We’re trying to do both at the same time. And it’s crazy.”
Follow @chipperdogbbq on Instagram to see pictures of Chipper himself (and sometimes Close).
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Pebble Beach, Pinehurst, Kiawah Island. Three of the most famous places to play golf in the United States, and the only three "19th holes" better than the magnificence at Arcadia Bluffs Golf Club.Golfweek, part of the USA TODAY Network, on Friday continued its annual "...
Pebble Beach, Pinehurst, Kiawah Island. Three of the most famous places to play golf in the United States, and the only three "19th holes" better than the magnificence at Arcadia Bluffs Golf Club.
Golfweek, part of the USA TODAY Network, on Friday continued its annual "best of" series with the top 10 19th holes in America, and "The patio and Adirondack chairs at Arcadia Bluffs" in Arcadia came in tied for fourth.
Also fourth was "McKee’s Pub and firepit at Bandon Dunes Golf Resort" at the acclaimed golf destination in Bandon, Oregon.
Arcadia Bluffs, whose Bluffs Course again was named the top public-access golf course in Michigan by Golfweek and No. 26 in the country, was founded in 1999 and is about 250 miles northwest of Detroit. It also boasts the acclaimed geometrical South Course one mile down the road, which opened for play in 2018 and ranks sixth in the state and No. 94 among publics in the U.S.
The famed Adirondack chairs at Arcadia Bluffs allow visitors to sit on the lawn overlooking the 18th green, offering unlimited views of 3,100 feet of Lake Michigan shoreline.
Servers take drink and dessert orders from the lawn, so all you have to do is sit back, sip and enjoy the sprawling beauty before you.
"Wonderful post-round atmosphere," rater Chris in Canton wrote the Free Press.
At the stately, tasteful lodge and clubhouse — which is open everyday from 6 a.m.-10 p.m. — numerous seating options on patios or indoors also offer comfort and spectacular views of the course and lake. And yes, the food matches the scenery.
More than 400 votes were cast from 800-plus "Golfweek’s Best" raters to determine the top 10 golf course bars and restaurants, which above all else, was based on vibes. Views, food, drink menu and service were all a part of the conversation. But Golfweek wanted to find the best places to relax and hang out after a round.
"Enjoy a sip, the conversation, the golf and the heritage," Golfweek wrote. "It can be difficult to describe what makes one space a better hangout than others, but you know it when you see it. And then you never want to leave."
Forest Dunes in Roscommon also received a plethora of votes, but did not crack the top 10.
The ranking includes seven public-access courses and three private clubs.
1. The Tap Room at Pebble Beach Resort in Pebble Beach, California.
2. The Deuce at Pinehurst Resort in Pinehurst, North Carolina.
3. The Ryder Cup Bar at Kiawah Island Golf Resort in Kiawah Island, South Carolina.
T4. The patio and Adirondack chairs at Arcadia Bluffs in Arcadia.
T4. McKee’s Pub and firepit at Bandon Dunes Golf Resort in Bandon, Oregon.
T6. The first-tee patio at Merion Golf Club in Ardmore, Pennsylvania.
T6. The porch at Secession Golf Club in Beaufort, South Carolina.
T6. Sticks at Spanish Bay in Pebble Beach, California.
T6. The patio and Heckle Deck at Sweetens Cove in South Pittsburg, Tennessee.
T6. Ben’s Porch at Sand Hills Golf Club in Mullen, Nebraska.
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Phil Mickelson spoke with reporters on Monday in advance of the US Open, and the six-time major champion faced a barrage of questions about his decision to sign with the LIV Golf league. He did not exactly handle them with poise.Mickelson told reporters he has heard a lot of strong opinions about his affiliation with the LIV series and that he respects all of them. He was asked more than once about the letter 9/11 families wrote accusing him of being a “partner” with the Saudi Arabian government. He became irritated with o...
Phil Mickelson spoke with reporters on Monday in advance of the US Open, and the six-time major champion faced a barrage of questions about his decision to sign with the LIV Golf league. He did not exactly handle them with poise.
Mickelson told reporters he has heard a lot of strong opinions about his affiliation with the LIV series and that he respects all of them. He was asked more than once about the letter 9/11 families wrote accusing him of being a “partner” with the Saudi Arabian government. He became irritated with one question and basically told the reporter to get to the point.
Phil Mickelson says he has "deep empathy" for people who lost loved ones on 9/11.
This comes after a coalition of families and survivors of 9/11 sent a scathing letter to Mickelson and other American golfers over their decision to compete in the Saudi-backed LIV Golf tour. pic.twitter.com/iwG099tZFK
— The Recount (@therecount) June 13, 2022
Mickelson, who is known for his quirky sense of humor, seemed noticeably uncomfortable. You can hear some more of his comments below:
"I know that many people have strong opinions and emotions about my choice."
Phil Mickelson says he 'respects and understands' the reaction to the news that he will play in the LIV Golf Series.pic.twitter.com/JkyItA1K5f
— Sky Sports News (@SkySportsNews) June 13, 2022
Mickelson drew negative attention earlier this year when he blasted the PGA Tour. He acknowledged that he is willing to work with some “scary motherf—-ers” in Saudi Arabia because he is so disgusted with the Tour. Mickelson received so much backlash that he had to step away from golf and skip the Masters. He has since officially signed with LIV.
Golfers who have signed with the LIV series are permitted to play in the US Open, as it is governed by the USGA and not the PGA Tour. There will be a definite “us vs. them” mentality for some people at The Country Club in Brookline this week.