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 Knightsville, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Knightsville'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 Knightsville, 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 Knightsville, 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 Knightsville, 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 Knightsville, 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.
COLUMBIA, S.C. (WSPA) – Health leaders across the Carolinas have released a new report looking at South Carolina’s pandemic preparedness and response.The South Carolina Institute of Medicine and Public Health (IMPH), hosted a press conference Wednesday to discuss the findings in its latest taskforce ...
COLUMBIA, S.C. (WSPA) – Health leaders across the Carolinas have released a new report looking at South Carolina’s pandemic preparedness and response.
The South Carolina Institute of Medicine and Public Health (IMPH), hosted a press conference Wednesday to discuss the findings in its latest taskforce report.
According to officials, the report includes actionable recommendations to inform contagious disease outbreak planning and response based on lessons learned during the COVID-19 pandemic.
Officials said the North Carolina Institute of Medicine (NCIOM) and IMPH launched the Carolinas Pandemic Preparedness Taskforce to examine pandemic preparedness, response and recovery in North and South Carolina.
Formed in 2021, the task force included more than 80 experts and key perspectives from both states across many areas representing health departments, health care associations and health systems, health care providers, academia, community representatives, philanthropy, social services, behavioral health providers, advocates for vulnerable populations and public safety and emergency preparedness organizations.
“The COVID-19 pandemic continues to lead to widespread societal changes,” says Maya Pack, Executive Director of IMPH. “It is of the utmost importance for us to not only document and learn from the pandemic but also find ways to inform and enact policy that will help South Carolina navigate the challenges presented by epidemics, pandemics and other contagious disease outbreaks.”
North and South Carolina taskforce members found commonalities in recommendations needed to address a number of factors related to the pandemic, including:
“The Carolinas Pandemic Preparedness Taskforce was guided by a focus on equity, a cross-sector approach to health and well-being and attention to the needs of vulnerable populations and historically marginalized communities,” says Dr. Harris Pastides, Carolinas Pandemic Preparedness Taskforce co-chair. “We must create the infrastructure, preparedness and response resources that will protect us all moving forward.”
The task force’s South Carolina-specific report includes recommendations addressing public health infrastructure, data, workforce, education, supply chain, health care delivery, behavioral health and telehealth and broadband.
The report also examines:
According to officials, the findings in this report are meant to be shared broadly to inform policies and practices to protect communities in the Carolinas today and in the future. For information on the task force, the contributors and more, access the full report.
COLUMBIA, S.C. (WCBD) — The World Health Organization (WHO) declared monkeypox a “global health emergency” Saturday, and South Carolina health officials are preparing for the outbreak.According to ...
COLUMBIA, S.C. (WCBD) — The World Health Organization (WHO) declared monkeypox a “global health emergency” Saturday, and South Carolina health officials are preparing for the outbreak.
According to data from the Centers for Disease Control and Prevention (CDC), South Carolina currently has seven cases of the virus, but the U.S. is closing in on 3,000. This map shows the spread of almost 17,000 monkeypox cases to 74 countries across the world.
“Monkeypox has not been the most common illness that many clinicians have had to think about,” said Dr. Stephen Thacker, pediatric infectious disease physician at MUSC.
Thacker said the risk to the general public in South Carolina remains low, but doctors have continued to “play catch-up” to learn more about the virus since it came to the U.S.
“We’re growing awareness about what monkeypox is, what it can look like and how to be tested,” Thacker said.
According to health experts, monkeypox is spreading mostly though prolonged, skin-to-skin contact, as well as through items like clothing that previously touched the infectious rash or body fluids.
Symptoms of monkeypox include a rash on the face and body, fever, headache, swollen lymph nodes and chills, according to the CDC.
“I don’t think it will ever reach a point of pandemic level, like COVID-19, by any means,” Thacker said. “But the WHO is raising the flag to make sure that communities are paying attention to this.”
South Carolina’s Department of Health and Environmental Control (DHEC) said the state is using monkeypox vaccines to treat the virus, but there is a limited supply.
As a result, the 1,700 vaccines given to the state are currently reserved for exposed and high-risk individuals, said Brannon Traxler, director of public health at DHEC.
“I do ask the general public, if you’re not part of that high-risk group, don’t try to get the vaccine, because at this point you don’t need it, and we do have very limited numbers,” Traxler said.
The CDC confirmed the first two cases of children diagnosed with monkeypox Monday, and Thacker said parents should continue monitoring their children for rashes and flulike symptoms.
He said settings with close contact, like daycares and schools, could contribute to the spread amongst children.
“It is very important that we get a good understanding of where monkeypox is in our communities to prevent it from becoming an issue or a barrier to kids being at school safely,” Thacker said.
Thacker also said doctors have found some communities to be at higher risk than others, including men who have sex with other men.
“I think for our community of men who have sex with men, certainly this is a very risky time to have intimate contact with someone who has a rash that hasn’t gotten treated or evaluated,” Thacker said.
For more information on DHEC’s response to the monkeypox outbreak, click here.
CHARLESTON, S.C. (WCBD) – The utility industry is the newest victim of supply chain shortages. This comes as transformers and other equipment are in high demand due to hurricane season.“There is nobody…there’s no utility that’s in the electric business that’s not impacted by this,” said Thomas Harvey, the Manager of Distribution Operations for Berkeley Electric Cooperative. “It takes a long time right now to buy and receive distribution transformers.”Transformers take high-...
CHARLESTON, S.C. (WCBD) – The utility industry is the newest victim of supply chain shortages. This comes as transformers and other equipment are in high demand due to hurricane season.
“There is nobody…there’s no utility that’s in the electric business that’s not impacted by this,” said Thomas Harvey, the Manager of Distribution Operations for Berkeley Electric Cooperative. “It takes a long time right now to buy and receive distribution transformers.”
Transformers take high-voltage electricity from a power plant and break it down to voltage levels that can be safely used in a home or business.
If there aren’t enough transformers, the customer on the end of the line will not be able to access electricity.
“As an electric utility, there are a few key components that we cannot operate without. There’s some things that we’ve got flexibility around, that we use every day that, I guess you could say we could do without if we had to, but obviously transformers, cable, wire, insulators, poles, that kind of stuff, we have to have every day,” said Harvey.
During hurricane season, transformers and other equipment are more highly in demand as large storms can heavily damage the power grid and knock out power lines, transformers, and more.
Should damage be done to the grid, it can mean longer or more widespread power outages for customers.
For example, Harvey says during power restoration after Hurricane Hugo in 1989, Berkeley Electric set up thousands of new transformers to replace those that were knocked out.
News 2 reached out to Lowcountry utility companies including Dominion Energy, Berkeley Electric Cooperative, and Santee Cooper to determine if customers will see an impact from a shortage of transformers.
“The entire industry is really seeing a lag time for when they get their transformers. So, that’s a really important thing for us to be prepared for,” said Nicole Aiello, a spokesperson for Santee Cooper, a state-owned utility.
Aiello says it’s important for utility companies to have a backup supply of equipment, including transformers because of storms or other problems.
“Transformers are on a maintenance schedule just like any other equipment that we have. But, there can be mechanical issues with a transformer where it might go out before it’s time for it to be maintenanced,” said Aiello. “We have to be prepared ahead of time to make sure we have enough supply and enough working material in case something like that happens.”
Aiello says while Santee Cooper is working closely with their supply partners and keeping an eye on the shortages, they currently do have backup supplies.
“We do have enough supply at this point. It is a fluid situation, we’re watching the challenges closely, we’re making sure that we plan for possible shortages, but at this point, Santee Cooper is prepared.”
Berkeley Electric Cooperative says it’s a multi-faceted problem.
“One, because the cost continues to go up,” said Harvey. “That’s a big deal. When you’re a member-owned, not-for-profit organization, it’s always imperative to try to control costs for your members. But, the other thing is you have to be able to get them. Whatever the cost is, you have to be able to have them.”
Harvey says Berkeley Electric is only just receiving transformers that were ordered in November.
He says they have an adequate backup supply, but if needed, they could ask for help from other cooperatives around the country.
“We have agreements with other cooperatives across the state and country to not only secure manpower resources but any resources that one cooperative needs.”
Harvey is hopeful the supply shortage concerns will be resolved in the new year.
“I think after the first of the year, our transformer concern is relieved some.”
Dominion Energy, one of the largest power suppliers in the Southeast, sent the following statement to News 2 in regard to the transformer shortage.
“Like many companies across the globe, Dominion Energy is facing supply chain challenges and increased lead times for some materials, including transformers. While there has been no immediate impact on our ability to keep the energy flowing for our customers and the communities we serve, Dominion Energy is proactively working with key suppliers and business partners to identify potential issues and develop strategies to combat these supply chain disruptions.-Paul Fischer, Dominion Energy
Utility companies say they are prepared to keep electricity flowing to customers and are hopeful any possible storms this hurricane season will cause little to no damage to the power grid.
Despite a slow start, The National Oceanic and Atmospheric Administration (NOAA) is predicting an active hurricane season.
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NORTH CHARLESTON, S.C. (WCBD) – SC Works Trident on August 17 will host a public sector career fair.The event is happening at the North Charleston Coliseum and Performing Arts Center and will be held in two parts.Jobseekers have the option to participate virtually from 9 a.m. to 12 p.m. or in person at the coliseum from 2 p.m. to 7 p.m.Candidates are encouraged to bring updated resumes to distribute to employers. There will also be team members on location to help jobseekers with resumes and applications. Resume or...
NORTH CHARLESTON, S.C. (WCBD) – SC Works Trident on August 17 will host a public sector career fair.
The event is happening at the North Charleston Coliseum and Performing Arts Center and will be held in two parts.
Jobseekers have the option to participate virtually from 9 a.m. to 12 p.m. or in person at the coliseum from 2 p.m. to 7 p.m.
Candidates are encouraged to bring updated resumes to distribute to employers. There will also be team members on location to help jobseekers with resumes and applications. Resume or interview preparation can also be done ahead of the event at an SC Works center.
ORANGEBURG, S.C. (WCBD) – South Carolina State University will welcome a historic number of incoming students this fall, after a decline in enrollment over the last few years due to the pandemic.The new president of SC State University, Alexander Conyers, said things are moving in the right direction.“I’m very excited for our students, for their families for this school year,” he said. “I think the growth is really putting together a first-class team that understands the mission was to recruit stud...
ORANGEBURG, S.C. (WCBD) – South Carolina State University will welcome a historic number of incoming students this fall, after a decline in enrollment over the last few years due to the pandemic.
The new president of SC State University, Alexander Conyers, said things are moving in the right direction.
“I’m very excited for our students, for their families for this school year,” he said. “I think the growth is really putting together a first-class team that understands the mission was to recruit students from South Carolina and beyond. Setting a goal that we thought was attainable, and providing the resources to the team to travel to offer incentives.”
Dr. Manicia Finch, Vice President for Enrollment Management, said the enrollment brunches held by the school’s alumni associations in several states made an impact.
This year, SC State will see its best numbers since 2012 for incoming freshmen, transfer, and re-admitted students.
“This class is really going to be history-making. This will probably be the largest and most diverse enrolled class from states that we ever had here at South Carolina State. We’re in a good place,” said Dr. Finch. “I feel very comfortable. We’re trending 800 plus committed students, and we’re growing, that number is growing daily, so we hope that it culminates to the desired number, the goal, which is over a thousand new students.”
“Our Board of Trustees passed a policy that will allow students from North Carolina with a 3.0 GPA or higher to attend South Carolina State at the in-state tuition. That’s a savings of over $10,000 a year for those students in Charlotte and Atlanta who want to attend South Carolina State University, but didn’t because of high cost of out-of-state tuition,” said President Conyers. “By doing this, we’ve already seen that our number of applications have quadrupled from both of those states.”
Legacy students around the world and students who are children or grandchildren of SCSU alumni parents or grandparents were offered the same incentives.
With a laser focus on recruiting and retaining its 2,500 students, the university is also expanding its student success and retention program, improving and renovating buildings across the campus, including Crawford Zimmerman and the Student Center.
SC State has a Cyber Security program now offered as a major, as well as a new College of Agriculture program and New Civil Engineering program.
And SC State has serious bragging rights when it comes to its Nuclear Engineering program. “Of course, our Nuclear Engineer program is always talked about as being the only one in South Carolina, and the only Nuclear Engineer program at an HBCU in the country, so we’re very very proud of all of our engineering programs,” said Conyers.
Director of Admissions and Recruitment Davion Petty said the university is working hard to keep the momentum going. “We need to look at our academic programs, and say this is the new trend, and we need to meet that trend,” he said.
Dr. Finch says, the Bulldogs’ national championship win last year in the Celebration Bowl is also helping to boost enrollment. “We do have some students because of the Celebration Bowl, and we’ve actually been monitoring that. How did you hear about us basically? So there are several that say we saw you on national TV. We liked what we saw with the Celebration Bowl and national 101 Marching Band, so yes, major major help.”
Conyers said graduates around the world are making a huge impact. “Our alumni giving is up. Over $6,000,000 to our annual fund this year, which is a record year for giving by our alums. I’m very very grateful to our alums, who have stepped up across the country, and given back to our University in such a meaningful way that will allow us to do other things we haven’t been able to do in the past.”
Conyers went on to say, “the students who are coming, I say get ready for an amazing South Carolina State experience academically, historically, and spiritually. You’re going to be a great Bulldog, and we’re here to support you.”
President Conyers says with the historic alumni donations, the university is able to offer scholarships across the spectrum.
SC State University is also looking at adding new student housing as they continue to grow.