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).
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 Kiawah 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 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.
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 Kiawah Island loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANKiawah Island is stunning. It is an unspoiled barrier island with an incredible ecosystem that includes 10 miles of pristine Atlantic coast beach, a maritime forest, and a labyrinth of saltwater marshes. The forests, marshlands, brackish waterways, and Atlantic Ocean are home to 300 species of birds, 18 species of mammals, and 30 species of reptiles. With so many incredible features and natural beauty, it’s hard to accurately describe this unique place located around 25 miles south of Charleston, South Carolina.It was named for ...
Kiawah Island is stunning. It is an unspoiled barrier island with an incredible ecosystem that includes 10 miles of pristine Atlantic coast beach, a maritime forest, and a labyrinth of saltwater marshes. The forests, marshlands, brackish waterways, and Atlantic Ocean are home to 300 species of birds, 18 species of mammals, and 30 species of reptiles. With so many incredible features and natural beauty, it’s hard to accurately describe this unique place located around 25 miles south of Charleston, South Carolina.
It was named for the Kiawah Native Americans. They lived off the land and fished from the ocean long before the colonists arrived in the Carolinas. The history continued with tales of pirates, plantation owners, enslaved people, lumbermen, and investors. Each inhabitant made Kiawah what it is today: a beautifully preserved nature sanctuary that is also a vacation paradise. Fortunately (since 1997), the land is overseen by the Kiawah Conservancy, a group whose mission steers them to balance nature with development so that visitors and residents can enjoy what is truly unique about the setting.
Kiawah Island is a 45-minute drive from Charleston airport, has an average temperature that varies from 43 to 88 degrees from winter to summer, and has been my resort of choice for the past 20 years. Here are 10 reasons to fall in love with Kiawah Island in no particular order. Once you visit, you will return, like I do, again and again.
Kiawah’s shoreline is pristine and consistently ranks amongst the best in the world. One of the top beaches in Charleston, it was also voted the second-best island in the U.S. by Condé Nast Traveler in 2020. Its east-west orientation offers a prime spot for viewing sunrises and sunsets. The packed sand allows for recreation, including beach games of all kinds, building sandcastles, and biking along the water’s edge.
On the west end of Kiawah Island, Kiawah Beachwalker Park offers the only public beach access on the island. Since the rest of the beach is private, a vacation there requires renting a villa or home through Kiawah Island Golf Resort or booking a stay in The Sanctuary beachfront hotel. The Sanctuary is the island’s Forbes 5-star oceanfront accommodation that resembles a seaside mansion. Once you have secured your rental or reservation, you can arrange a setup of beach chairs and toys for maximum enjoyment.
Kiawah has a global reputation for incredible golf. The site of three previous PGA Championships, Kiawah Island Resort most recently hosted the tournament in 2021 on the Ocean Course. Regarded as one of the finest golf courses in the world, this championship course provides views of the Atlantic from every hole.
In addition to the Ocean Course designed by Pete Dye, you can choose to play five different courses when you stay at the resort: Osprey Point designed by Tom Fazio, Oak Point designed by Clyde Johnston, Cougar point designed by Gary Player, and Turtle Point designed by Jack Nicklaus.
The island’s setting and the architect’s challenging designs incorporating the rolling sand dunes, marshes, and forests make for exciting play. Private instruction and group lessons are available if you want to up your game.
Since the late ’70s, the tennis program at Kiawah was built to be one of the best. First under Roy Barth, and now under his son Jonathan, Kiawah Island’s tennis program is consistently ranked as one of the top tennis resorts in the U.S. The facility features 22 tennis courts, including 10 new Har-Tru clay courts.
There are various vacation packages for tennis enthusiasts. But if you are on vacation and just want to play a few times, you can reserve a court, rent or buy equipment, take individual or group lessons, and experience why Kiawah is considered one of the top tennis resorts in the world.
It’s easy to rent a bicycle on Kiawah. If you stay at The Sanctuary, the bike pavilion is open for walk-up rentals daily for half-day and full-day options. If you stay at a villa or home, you can reserve bicycles for 2 days or longer by making reservations with the resort. The bikes are dropped off and picked up directly from your accommodations.
You can take Kiawah bikes on the beach to ride on the hard-packed sand, which is a ton of fun. You can also steer them along 30 miles of paved bike trails. If there is no trail, you may have to ride on a road (helmets are available with rentals free of charge by request). Along the way, there are towers that allow you to look over the marshes and view birds and wildlife in their natural habitat.
One thing that sets Kiawah apart from other resorts is its nature programs. There is something for everyone, from youngest to oldest and in between. If you are active, there are kayaking, paddling, and fishing excursions. Some seasons even offer 5Ks, polar plunges, or triathlons. If you are artistic, there are painting, photography, and other creative classes. Yoga on the beach? Surf camp? Shelling? Yes, all that and more. And there is a daily newsletter you can read to discover what to see (nature-wise) while staying at the resort.
The Spa at The Sanctuary offers even more relaxation, if that is possible. There are single or full-day services available at their luxurious facility. There are combination sessions where you start the day with a personal training meeting and then get a relaxing massage or other treatments. There are couples therapies and salon experiences, including manicures and pedicures available at the spa. When you book a service, you are welcome to relax in the whirlpool, sauna, and steam room on the day of your treatment for as long as you want to linger.
Dining on Kiawah offers vacationers a variety of choices. If you rent your own villa or home, you might want to make some meals, especially if you enjoy cooking. The resort program will have groceries delivered to your resort accommodation before your arrival if you prefer. The Market at Town Center at East Beach Village serves casual meals and has provisions for sale. If you need eggs, milk, bread, snacks, or sandwich fixings, you can find them here. For prepared meals, dine-in, pick-up, or delivery for breakfast, lunch, or dinner selections is available. There are also bottles of wine or beer and Kiawah Island logo merchandise for sale.
Other dining options include a dozen eateries, including elegant and casual restaurants as well as poolside and outdoor cafes. Resort guests enjoy charging privileges and door-to-door ride service to any of the restaurants on the resort. The fare ranges from Lowcountry cuisine, Italian, steaks, and BBQ to the freshest seafood imaginable. The dining choices at Freshfields Village, just outside Kiawah Island Resort’s gates, offer additional restaurants to choose from and a full supermarket.
The lobby-level promenade in The Sanctuary hotel offers exciting shopping in a relaxed setting, but there are various shops throughout the resort. The Sanctuary shops include The Golf Shop and different boutique stores that sell signature clothing for every family member. If you don’t have time to relax at the spa, the spa shop has lovely items to bring the relaxation home with you.
The Wells Gallery represents a variety of artists from around the area and the globe in various mediums. The gallery specializes in works of art that celebrate Kiawah Island. The Heron Park Nature Center Island Outpost offers apparel by Patagonia, field guides, children’s toys, locally made or environmentally responsible gift items, and more. Just outside the gates of Kiawah Island Resort, Freshfields Village has terrific shopping from sporting goods to home decor and clothing.
During the summer, there are daily special events with themes and entertainment. On the Fourth of July, the all-day celebration of food, games, and fun concludes with a breathtaking fireworks show. One favorite summer event that occurs every Monday evening from Memorial Day to Labor Day is the Mingo Point Oyster Roast and BBQ. Fresh roasted oysters, a full Lowcountry boil, and southern BBQ, plus a sunset over the Kiawah River and dancing under the moonlight to live music make for a popular event. There is nothing better.
Holidays are also special celebrations at the resort. Check the Kiawah Island Resort website for more information about how to book and what to look forward to for Thanksgiving, Christmas, and New Year’s Eve.
Charleston, South Carolina, has been voted the number one city in the United States by Travel + Leisure for the past decade. It is one of the oldest, most inviting, and romantic places to visit. Take a horse-drawn carriage ride or stroll down the cobblestone streets to explore the antebellum architecture south of Broad Street and the pastel homes along Rainbow Row.
The history, the food, the harbor, and the vibe all make Charleston a great stop while visiting Kiawah Island. You can book tours right from the concierge. Or make a plan to visit before or after your stay on the island. One thing is sure: You must make a visit to the Holy City when you stay on Kiawah.
Pro Tip: The Charleston Tea Garden makes for a fun day trip. You can spend a few hours learning how tea is processed and produced at this location. Another popular attraction is the Angel Oak, a local treasure that must not be missed.
The best time to explore Kiawah and Charleston is in the fall. Tourists love to flock to these areas from April to October because of the weather and the beaches. I always stayed on Kiawah in July or August due to school schedules, but it’s sweltering and can be buggy. The spring is also a beautiful time, and the blooms are glorious.
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I am still recuperating from this . I will not be walking arounf Kiawah anymore ...See more
I am still recuperating from this . I will not be walking arounf Kiawah anymore ...See more
My wife and I are beach people. We just got back from the beach and we’re already looking forward to our next beach trip. If your summer plans include a beach vacation, this list might help you pick a really good one.
Scientist Stephen Leatherman, also known as “Dr. Beach,” has released his 2022 list of the top U.S. beaches. Dr. Leatherman is a professor and director of the Laboratory for Coastal Research at Florida International University. He has been ranking America’s best beaches since 1991.
According to CNN, Leatherman uses 50 criteria in evaluating 650 public beaches. He examines sand softness, water temperature and clarity, beach width, and even wildlife. A few beaches in the Carolinas, including this year’s top pick, check off a lot of boxes.
A low-key conference that brings together high-level global executives from the sports, media, technology and finance industries has returned to the South Carolina coast for its second go-round.The corporate summit, organized by the investment firm Bruin Capital and the Sportico online news outlet, kicked off April 11 on Kiawah Island.More than a dozen commissioners of professional sports leagues and about 40 team owners from around the world are expected to be in attendance, among other movers and shakers. Boris Johnson, Brita...
A low-key conference that brings together high-level global executives from the sports, media, technology and finance industries has returned to the South Carolina coast for its second go-round.
The corporate summit, organized by the investment firm Bruin Capital and the Sportico online news outlet, kicked off April 11 on Kiawah Island.
More than a dozen commissioners of professional sports leagues and about 40 team owners from around the world are expected to be in attendance, among other movers and shakers. Boris Johnson, Britain’s former prime minister, and U.S. Surgeon General Vivek Murthy were set to speak at early sessions.
The only publicly identified participant other than the CEOs of the sponsors was financier Marc Lasry of Avenue Capital Group, who is a co-owner of the NBA’s Milwaukee Bucks.
The conference is described as an off-the record gathering but not entirely. CNBC was granted access to the first event held last May at Kiawah Island Golf Resort and again this week.
A beachfront interview with Lasry that aired on the cable news network Wednesday was devoted not to basketball but the banking crisis.
A separate discussion with summit organizers George Pyne of New York-based Bruin Capital and Jay Penske of Sportico parent Penske Media Corp. touched on the fast-rising values of professional sports franchises, the likely sale of the NFL’s Washington Commanders and the use of artificial intelligence in newsrooms.
In a December profile of Pyne, the Boston Globe described the Kiawah conference as a “super-sized” version of an annual luncheon he put together for 13 years in the private dining room at Le Bernardin in New York City.
The South Carolina summit last spring included “14 commissioners, 30 team owners and about 50 others … . Former President George W. Bush headlined a list of VIP speakers,” according to a copy of the article posted on Bruin Capital’s website.
The moderator of a talk with cryptocurrency experts last year offered a few more details.
“I host panels at conferences all the time, but this event was a little different: the attendees included the biggest power brokers in sports and finance,” wrote Dan Robert, editor-in-chief of Decrypt.
He added that Bruin Capital and Sportico are “aiming for the event to become the Sun Valley or Davos of sports business,” he added, referring, respectively, to a long-running media finance summit held in Idaho and a global economic forum in Switzerland.
They seem to be well on their way.
“NFL Commissioner Roger Goodell, NBA Commissioner Adam Silver, MLB Commissioner Rob Manfred, MLS Commissioner Don Garber, ESPN Chairman Jimmy Pitaro, and more than a dozen team owners were there,” according to Roberts.
When it comes to resorts, South Carolina does it right. Whether you're looking to relax at a luxurious spa, stroll a sandy beachfront, or enjoy memorable meals, there's a resort in the Palmetto State with your name on it. Browse the amenities at these properties, and find what speaks to you. (There's plenty to choose from at each one.) The next step is bookin...
When it comes to resorts, South Carolina does it right. Whether you're looking to relax at a luxurious spa, stroll a sandy beachfront, or enjoy memorable meals, there's a resort in the Palmetto State with your name on it. Browse the amenities at these properties, and find what speaks to you. (There's plenty to choose from at each one.) The next step is booking a stay, packing your gear, and—finally—setting out on an adventure to a resort that feels like an oasis, whether a home away from home or just a break from the day-to-day. Rent bikes and pedal the sands. Order room service and enjoy the view from your windows. Find the poolside bar and relax. Memories, and a whole lot of fun, await. Want to continue traveling? Check out some of the best places to stay in every Southern state.
This waterfront retreat is a consistently celebrated stay near Charleston. Palmetto trees welcome you to the property, where you'll find wraparound porches, the serenity-inducing Estuary Spa, and a water taxi for ferrying you to downtown adventures. The abundance of patios and porches means you'll get your fill of harbor breezes (and handcrafted cocktails to enjoy while relaxing outdoors).
20 Patriots Point Rd, Mt. Pleasant, SC 29464, charlestonharborresort.com
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Book a stay at The Inn & Club at Harbour Town, part of The Sea Pines Resort in Hilton Head, for a warm welcome and rooms with a view. The boutique luxury hotel has 60 guest rooms and offers opportunities for rounds of golf, swings on the tennis courts, and relaxation at the pool. You can also book private fishing charters, cruises, and boat tours at the nearby full-service marina.
7 Lighthouse Ln., Hilton Head Island, SC 29928, seapines.com
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Find pools galore at this Myrtle Beach resort. Sun, sand, and plenty of bright blue umbrellas and loungers await when you book a beachfront stay at this inviting spot. There are indoor and outdoor pools, beach access, and opportunities for pampering at Hibiscus Spa. Open your windows to the beach air, enjoy a meal at the resort's restaurants, or stroll outside to the pool deck—there is fun all around here.
8400 Costa Verde Dr., Myrtle Beach, SC 29572, marriott.com
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This Lowcountry property is situated along the May River in Bluffton, which means it has instant appeal—and a marina on the waterfront. Located between Hilton Head and the Georgia border, this resort is equal parts relaxation and adventure. It has fantastic restaurants, a nature preserve, and a Jack Nicklaus Signature Golf Course.
477 Mt Pelia Rd., Bluffton, SC 29910, montagehotels.com
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Book a stay at The Omni Hilton Head Oceanfront Resort, and enjoy the sea breezes. This resort has something for everyone, including dining, swimming, golfing, and lounging on the sands. In addition to the resort's amenities, you can book packages (like the Family Fun Package with bike and kite rentals) to complement your stay.
23 Ocean Ln., Hilton Head Island, SC 29928, omnihotels.com
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Find a barrier island getaway at Kiawah Island Golf Resort—an oasis of sandy beachfront and championship golf courses near Charleston. There's also decadent dining at the resort's many stellar restaurants, including Jasmine Porch and The Ocean Room. With so much to enjoy, you don't want to miss the opportunity to stay at this luxury property.
1 Sanctuary Beach Dr., Kiawah Island, SC 29455, kiawahresort.com
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Head to Isle of Palms for a stay at Sweetgrass Inn at Wild Dunes Resort, a 1,600-acre property near Charleston that's a destination for golfing (the Links Course has Atlantic views) and enjoying the coastline. With plenty of pools, bike rentals, and opportunities to relax (check out the Spa at Sweetgrass, where you can contact the spa concierge to customize your stay), you'll never want your vacation to end.
5757 Palm Blvd., Isle of Palms, SC 29451, destinationhotels.com
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While not necessarily classified as a resort, you can find the epitome of South Carolina hospitality at this historic hotel, nestled in the resort town of Aiken. In addition to gracious accommodations, it has fantastic dining offerings for breakfast, lunch, and dinner, a relaxing spa, and easy access to the town's shopping, antiquing, arts, equestrian, and cycling opportunities.
100 Colleton Ave. SW, Aiken, SC 29801, thewillcox.com
KIAWAH ISLAND, S.C. —President Joe Biden arrived in South Carolina on Wednesday to begin what is expected to be at least a seven-day vacation with members of his family.The first couple was planning to be in Kiawah Island, noted for its private beach and golf resort, through Tuesday, according to Federal Aviation Administration advisories.The White House did not respond to requests to provide details on Biden’s vacation schedule, activities or when he planned to return to Washington. The pres...
KIAWAH ISLAND, S.C. —
President Joe Biden arrived in South Carolina on Wednesday to begin what is expected to be at least a seven-day vacation with members of his family.
The first couple was planning to be in Kiawah Island, noted for its private beach and golf resort, through Tuesday, according to Federal Aviation Administration advisories.
The White House did not respond to requests to provide details on Biden’s vacation schedule, activities or when he planned to return to Washington. The president will stay at a friend’s home on the island that the family has used for previous visits, according to a White House official.
President Joe Biden and First Lady Jill Biden to visit Kiawah Island this week
Biden, accompanied by first lady Jill Biden, departed the White House by motorcade to Joint Base Andrews outside the capital, where Air Force One was on hand to take them to Joint Base Charleston. Biden was dropped off at a private home in a gated community alongside a golf course on the island.
Biden was joined on Air Force One by his son, Hunter Biden, daughter-in-law Melissa Cohen and grandson Beau.
Summer vacations are a presidential tradition. George W. Bush often spent August clearing brush in the 100-degree heat that baked his central Texas ranch. Barack Obama worked on his golf game on the Massachusetts island of Martha’s Vineyard. Donald Trump spent time at his home on his private golf club in central New Jersey.
The White House in the past has emphasized that the president is never truly free from the job’s responsibilities — and that he’ll continue to consult with aides and take his daily national security briefing regardless of his location.
And at times, presidents have had to make legacy-defining decisions while on vacation, including Bush’s response to Hurricane Katrina flooding New Orleans in 2005. Bill Clinton ordered airstrikes against al-Qaida terrorists from Martha’s Vineyard in response to the bombings of U.S. embassies in Kenya and Tanzania. And Bush’s father, President George H.W. Bush, planned the U.S. response to Saddam Hussein’s invasion of Kuwait in 1990 from his family’s oceanfront compound in Kennebunkport, Maine.