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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 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.

Service Areas
Mortgage Broker Kiawah Island, SC
 Refinance Kiawah Island, SC

Why Choose Dan Crance As Your Mortgage Lender in Kiawah 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 Kiawah Island, SC

Home Financing in Kiawah 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 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.

 FHA Mortgages Kiawah 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 Kiawah Island, SC.

Refinancing 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.

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 Kiawah 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 Kiawah 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 Kiawah 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 Kiawah 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 Kiawah Island, SC

Trust Dan Crance

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

After hours by appointment only. CONTACT DAN

Latest News in Kiawah Island, SC

President Biden Returns to Kiawah Island for Family Vacation Weeks After Testing Positive for COVID

President Joe Biden is in Kiawah Island, South Carolina, for a family vacation weeks after testing positive for COVID-19.On Wednesday, Biden, 79, and first lady Dr. ...

President Joe Biden is in Kiawah Island, South Carolina, for a family vacation weeks after testing positive for COVID-19.

On Wednesday, Biden, 79, and first lady Dr. Jill Biden, 71, were joined by family members including his grandson. They waved to a large crowd as they walked to board Air Force One at Andrews Air Force Base in Maryland.

During the first week of August, Biden was cleared to return to public duties after being diagnosed with COVID-19 for the second time.

His physician, Dr. Kevin O'Connor, announced that Biden was cleared to emerge from isolation in a letter shared Sunday, writing, "This morning, the President's SARS-CoV-2 antigen testing was negative for a second consecutive day."

"He will safely return to public engagement and presidential travel," he added.

Biden has not been to Kiawah Island since taking office in January 2021, but visited the quaint beach town regularly while vice president.

Only about 13 square miles, Kiawah Island is home to roughly 1,600 people and best known as a private beach and golfing destination.

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"I think he feels at home here. It's a place he's come for so many years to vacation. And he can enjoy a certain amount of insulation without being totally insulated," Dick Harpootlian, a South Carolina state senator and a longtime Biden political confidant, told CBS.

"I remember when he was VP and I came down to play golf with him, he could move around without drawing a crowd if he wanted to," he added.

Biden is expected to be at Kiawah Island with him family until next Tuesday, before heading to homes he has in Delaware to continue his summer break.

The 9 best golf courses you can play in SC, according to Golf Digest. Take a look

Summer is winding down, but there’s still plenty of time for a few rounds of golf in South Carolina.But where should you go for your next golf trip?South Carolina is loaded with golf courses. Myrtle Beach alone has more than 90 courses, most of which are public. But fear not, because Golf Digest can help you decide.The popular monthly magazine has compiled a list of the nine best go...

Summer is winding down, but there’s still plenty of time for a few rounds of golf in South Carolina.

But where should you go for your next golf trip?

South Carolina is loaded with golf courses. Myrtle Beach alone has more than 90 courses, most of which are public. But fear not, because Golf Digest can help you decide.

The popular monthly magazine has compiled a list of the nine best golf courses you can play in South Carolina, from Charleston to Hilton Head and everything in between.

Located on the eastern-most end the Kiawah Island, the Ocean Course has the most seaside hills in the Northern Hemisphere. The course was designed to give players an unobstructed view of the coastline from every hole.

The course can also be particularly challenging, due to strong winds from the Atlantic.

This perennial favorite among PGA Tour players is located on Hilton Head Island. The course has undergone recent enhancements, such as new Celebration Bermuda grass for the fairways and a new irrigation system. Since 1969, it has been home to the RBC Heritage Presented by Boeing.

This 18-hole Jack Nicklaus Signature Course in Bluffton is surrounded by century-old live oaks and scenic native landscapes. The 7,171-yard course includes several holes on the bank of the river.

Built in the 1940s, the Dunes Golf and Beach Club dubs itself as the premier country club in Myrtle Beach. The 18-hole, oceanside course has been host to numerous high-end golf tournaments, from the PGA Senior Tour to the USGA Women’s Open.

This Pawleys Island golf course opened in 1994 and has been a perennial part of many top 100 golf course lists ever since. The 18-hole course was the first solo design of the late Mike Strantz.

Hall of Fame players and course architects Greg Norman, Davis Love III, Tom Fazio and Pete Dye designed the multi-course Barefoot Resort in North Myrtle Beach. They’ve all received awards, but the Dye course stands above them all. The unique bunkering at the Dye course helps it stand out.

True Blue is known for its vast fairways and impressive elevation changes. It’s also the sister course to the Caledonia in Pawleys Island. The club features an 18-acre practice facility and is just minutes south of central Myrtle Beach.

The Tournament Players Club of Myrtle Beach has challenged many golf legends over the years, including Lanny Wadkins, Gary Player, Lee Trevino and Ray Floyd. The 18-hole course is open to the public and offers PGA Tour-caliber challenge. It also has a practice area, numerous water hazards and strategically-placed trees.

The championship-level Osprey Point Golf Course was completely renovated in 2014. The course offers four challenging par-3s, four distinctive par-5s and 10 par-4s ranging in length from 340 to 461 yards. The track’s classic-style clubhouse adds to its appeal.

This story was originally published August 18, 2022 5:00 AM.

Jill Biden has ‘rebound’ Covid-19 case, president negative


President Joe Biden and First Lady Jill Biden return to the White House in Washington D.C., the United States, Aug. 8, 2022. U.S. First Lady Jill Biden has tested positive for COVID-19, a spokesperson said Tuesday.

Ting Shen | Xinhua News Agency | Getty Images

First lady Jill Biden has tested positive for Covid-19 again in an apparent “rebound” case, after she initially tested negative for the virus over the weekend.

President Joe Biden, three days with his wife at their Rehoboth Beach, Del. vacation home, continues to test negative, the White House said. He also suffered a rebound case earlier this month after an initial recovery from the virus.

Jill Biden first tested positive for the virus on Aug. 15, when she and her husband were vacationing in Kiawah Island, S.C. She isolated in the beach town until she received two negative tests and was cleared to meet the president in Delaware on Sunday.

Biden’s deputy communications director Kelsey Donohue said she “has experienced no reemergence of symptoms, and will remain in Delaware where she has reinitiated isolation procedures.” She added: “The White House Medical Unit has conducted contact tracing and close contacts have been notified.”

Jill Biden, 71, like her husband, has been twice-vaccinated and twice-boosted with the Pfizer Covid-19 vaccine. She had been prescribed the antiviral drug Paxlovid, which has proven to be highly effective at preventing serious disease and death among those at highest risk from Covid-19, but a minority of those prescribed the drug have experienced a rebound case of the virus a few days after their initial recovery.

The White House said the president was considered a close contact, and would wear a mask “for 10 days when indoors and in close proximity to others” in accordance with Centers for Disease Control and Prevention guidance. The White House will also increase the frequency of his Covid-19 testing.

Par for the Course: Clutch play qualifies Cape Elizabeth duo for national tournament

Reese McFarlane and John Hayes play golf out of Purpoodock, so one would think that they play in four-ball tournaments often.It is believed, however, that Aug. 25 at Great Horse in western Massachusetts was a first for them. If not, the result of their play in Massachusetts definitely was a first. The twosome, both of whom grew up in Cape Elizabeth, qualified at Great Horse for the ninth USGA Four-Ball Amateur, which will be held next May on the Cassique Course of the Kiawah Island Golf Club.They combined to shoot a 6-under 66 ...

Reese McFarlane and John Hayes play golf out of Purpoodock, so one would think that they play in four-ball tournaments often.

It is believed, however, that Aug. 25 at Great Horse in western Massachusetts was a first for them. If not, the result of their play in Massachusetts definitely was a first. The twosome, both of whom grew up in Cape Elizabeth, qualified at Great Horse for the ninth USGA Four-Ball Amateur, which will be held next May on the Cassique Course of the Kiawah Island Golf Club.

They combined to shoot a 6-under 66 and then waited nearly five hours to see if they had qualified for one of three spots for the 2023 national tournament.

It turned out that three other teams had carded a 66, so there was a playoff. On the second playoff hole, Hayes sunk a lengthy birdie putt, which made it possible for them to journey to South Carolina next May for the National Four-Ball Championship.

What is significant about this accomplishment is that among the top nine teams in the qualifier, eight of them with the best scores of the day were from Massachusetts. McFarlane and Hayes were the only Maine twosome in the top 10. It is not often that Maine golfers qualify for any USGA national championships, but it is the second time it has happened this year, with Caleb Manuel of Brunswick having made it into the U.S. Open.

This does not translate to Maine becoming a United States golf mecca, but it does put the Pine Tree State on the map.

For Hayes, who has been a significant player in Maine amateur events for more than a decade, it is not a USGA first. It is his fourth qualification for a USGA championship event, having been in the 2016 U.S. Amateur and in the U.S. Mid-Amateur championship in 2017 and 2019.

McFarlane does not have a Maine State title to his credit, but he did win the New England Amateur in 2018 at the Portland Country Club. Hayes is a veteran Maine state champion, having won the Junior, Amateur and two Mid-Amateur crowns.

Hayes is 32 and McFarlane is 25, so they did not go to school together. They are young enough to have a bright future as a twosome.

Apologies to readers who might ask if other Maine twosomes over the past eight years have qualified for the USGA Amateur Four-Ball Championship. This writer was unable to obtain an answer to that question.


The Aug. 4 scramble, run by Fore A Cause at Summit Springs, was a huge success when you consider that Summit Springs is a nine-hole course, meaning that a field of 19 teams was a maximum number. The final tally was that more than $12,000 was raised for food to feed children in the MSAD 17 school district.

There is no question that this is a worthy cause, so congratulations to chairperson Bunny O’Leary and her committee. Persons interested in supporting Fore A Cause should contact O’Leary at olearybunny@gmail.com.


MSGA’s next play day for men is Sept. 6 at Natanis Tomahawk. The women’s play day is Sept. 6 at The Meadows.


Sept. 5 is the deadline for USGA members to apply for tickets and packages for the 2023 U.S. Open, which will be June 15-18 at the Los Angeles Country Club. A lottery will determine who gets the opportunity to take advantage of the packages and tickets. To apply for either, click on to tickets@usga.org.

Bill Kennedy, a retired New Jersey golf writer and editor now residing on Thompson Lake in Otisfield, is in his 10th season as the Sun Journal’s golf columnist.

7 Things to Do in Kiawah Island, South Carolina

It’s high time you added this Lowcountry destination to your beach bucket list.Follow winding, oak-shaded roads 25 miles southwest of downtown Charleston's cobblestone streets and celebrated restaurant scene, and you'll find yourself on Kiawah Island. Carved by the Kiawah River on one side and fronting the Atlantic Ocean on the other, the barrier ...

It’s high time you added this Lowcountry destination to your beach bucket list.

Follow winding, oak-shaded roads 25 miles southwest of downtown Charleston's cobblestone streets and celebrated restaurant scene, and you'll find yourself on Kiawah Island. Carved by the Kiawah River on one side and fronting the Atlantic Ocean on the other, the barrier island is a true escape. Here, nature reigns supreme: ten miles of beaches roll out along the Atlantic; cicadas form their own sort of soundtrack; and lights-out is often determined by the sea turtles' nesting season. Even so, there's plenty to do for travelers who like their time in nature punctuated with good food, luxurious creature comforts, and a frozen drink in hand. Here are seven things to do in Kiawah Island, South Carolina.

Stay Like a Local

For access to all of Kiawah's amenities, from bike rentals to pools, you'll have to stay on the island. For an experience that's luxurious but unpretentious, book a room at The Sanctuary, an oceanfront hotel known for its five-star service and elevated onsite dining. For families who want a little room to spread out (or a kitchen), villa and home rentals are a smart choice; reserve through the resort directly, or book through a site like VRBO or Airbnb.

Spend a Day on the Sand

On the west end of the island, Beachwalker Park is Kiawah's only public beach access feels like a hidden gem, thanks to its wide, unspoiled expanses of sand. It offers the best of both worlds too: in addition to the ocean frontage, you can also score views of the Kiawah River here.

Hit the Links

Five state-of-the-art golf courses are open to the public. For avid fans of the sport, the Ocean Course alone makes Kiawah worth the trip. Host to two PGA Championships, the 18-hole course is not for the faint of heart. Raised above the dunes to capitalize on the expansive shore views, golfers are also subjected to ocean breezes (which don't exactly make for an easy or predictable trip around the green). Try Cougar Point for marsh views and a slightly less technical experience.

Go for a Cruise

One of the best ways to explore the island is to leave the car in park and take a beach cruiser for a spin (you can reserve them through the resort or bring your own). Between 30 miles of paved trails and 10 miles of hard-packed beach, there's no shortage of routes to explore. Ask for directions to the Marsh View Tower, an observation deck primed for birdwatching and soaking in the marsh and river scenery.

Visit Heron Park Nature Center

The naturalists here will school you in many of the species who call the island home, from bobcats and white-tailed deer to loggerhead sea turtles and American alligators. Sign up for a guided tour, like "Back Island Birding", "Marsh Kayaking," or "Ocean Seining and Beach Combing," or ask for their recommendations for the best nature-spotting places in the area.

Explore Freshfields Village

Built around a lush lawn, Freshfields Village has plenty of restaurants and shops to explore, plus a boutique stay, the Andell Inn. Pick up a beach read at Indigo Books; snag treats for your four-legged friends at Dolitte's; and gear up for island adventures SeaCoast Sports and Outfitters. Start the morning with coffee and a breakfast sandwich from Java Java; settle in for grilled cheese and a milkshake at retro Vincent's Drugstore & Soda Fountain; or cap off the day with house-made frosé from newly opened The Co-Op. Check their calendar for seasonal events, like summertime's "Music on the Green" concert series and farmer's market.

Venture to Bohicket Marina & Market

Make the short drive to neighboring Seabrook Island for a taste of the area's salty maritime culture. Snag a umbrella-shaded table on the upper deck at Salty Dog Café for fresh catch, a cold beer, and riverfront views of the boats coming and going from the marina.


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