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 Ladson, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Ladson'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 Ladson, 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 Ladson, 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 Ladson, 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 Ladson, 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 Ladson, 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 Ladson loves Classic Home Mortgage.After hours by appointment only. CONTACT DAN
Carolina del Norte, Charlotte – Por primera vez, cinco consulados latinoamericanos se darán cita el 18 y 19 de marzo, para realizar una jornada consular de atención móvil múltiple para mexicanos, salvadoreños, guatemaltecos, colombianos y dominicanos radicados en la zona de Charleston en Carolina del Sur.Jornada Consular en Carolina del SurLos consulados que participan en la jornada consular son:El “Día Internacional de los Consulados&rd...
Carolina del Norte, Charlotte – Por primera vez, cinco consulados latinoamericanos se darán cita el 18 y 19 de marzo, para realizar una jornada consular de atención móvil múltiple para mexicanos, salvadoreños, guatemaltecos, colombianos y dominicanos radicados en la zona de Charleston en Carolina del Sur.
Los consulados que participan en la jornada consular son:
El “Día Internacional de los Consulados”, como se llama el evento, es coordinado por diferentes organizaciones y patrocinadores del área, para lograr reunir en un solo fin de semana las representaciones consulares en Carolina del Sur.
“Es un evento histórico, ya que es la primera vez que tendremos todos estos consulados en Charleston”, comentó Dulce López, de la organización South Carolina Legal Services (SCLS), durante una reunión en vivo por Facebook realizada el miércoles 8 de marzo, como antesala al evento.
Junto a SCLS, están otras organizaciones como, Charleston Hispanic Association (CHA), y el Latin Exchange Club of Charleston, que patrocinan y coordinan el evento.
Cuatro de los consulados, El Salvador, México, Colombia y República Dominicana, estarán en el “Ladson Exchange Park”, mientras que el de Guatemala estará en la Iglesia Gracia.
La Cónsul Emilia Recinos indicó que se estará ofreciendo a los salvadoreños atención para los siguientes trámites.
Sin cita: La cónsul Recinos, dijo que para ser atendidos no se requiere hacer cita previa, se atenderá por orden de llegada; pero advirtió que se respetará el turno de las personas que prefieren hacer su cita consular a través del portal https://portalcitas.rree.gob.sv
Lugar: Ladson Exchange Park, en 9850 US-78, Ladson, SC 29456.
Fechas y horarios: sábado, 18 de marzo, de 8:00 a.m. a 4:00 p.m. y domingo, 19 de marzo, de 7:00 a.m. a 11:00 a.m. También puede pedir más información en el Consulado Virtual: 1-888-301-1130.
Importante: Desde el 14 de enero de 2023 el DNI de Honduras dejó de tener validez para dar paso al DUI que los hondureños deben tramitar. A partir del 2021, para tramitar el pasaporte de El Salvador no es indispensable presentar el DUI, ya existen otras alternativas de documentos.
Durante esta jornada móvil consular en Carolina del Sur el consulado aceptará efectivo para cubrir el costo de los trámites.
Si necesitas hacer un trámite consular y no puedes atender en estas fechas, puedes solicitar posteriormente una cita en cualquiera de los 25 consulados de El Salvador en Estados Unidos
Los salvadoreños que tramiten su DUI es importante saber que pueden pedir recibirlo en su domicilio por correo mediante el nuevo sistema de DUI Express.
Trámites: El vicecónsul de Guatemala, Fabián Estrada, dijo en el evento Live, que, aunque entregan pasaportes el mismo día en la sede consular, en el evento de Charleston no los podrán entregar el mismo día debido a la infraestructura y equipo que se necesita.
Los guatemaltecos que asistan podrán realizar los siguientes trámites:
Importante: para tramitar la doble nacionalidad es necesario contar con el DPI vigente, y el número CUI, que es el Código Único de Identificación. Los trámites se deben pagar con Money Order.
Citas: atenderán a sus connacionales solamente a través de citas, en la plataformaLugar: Iglesia Gracia, 2200 Greenridge Rd, North Charleston, SC 29456. Fechas y horarios: sábado, 18 de marzo, de 8:00 a 5:00 p.m. y también el domingo 19 de marzo, de 8:00 a.m. a 1:00 p.m.
Si no atender a la jornada consular, puede solicitar cita en el Consulado de Guatemala en Raleigh a través del centro de llamadas o por la plataforma http://www.citaconsularguatemala.com
Mexicanos podrán hacer los siguientes trámites durante la jornada consular:
Citas: exclusivamente por esta ocasión, se puede agendar la cita llamando a los siguientes teléfonos: 252-686-1597, 252-367-8779 y 919-394-8218. Lugar: Ladson Exchange Park, 9850 US-78, Ladson, SC 29456Fechas y horarios: sábado, 18 de marzo, de 8:00 a.m. a 4:00 p.m. y domingo, 19 de marzo, de 8:00 a.m. a 2:00 p.m.
Si usted es mexicano en los Estados Unidos y no puede asistir a la jornada consular, puede solicitar una cita a través del sistema de Mi Consulado, antes conocido como Mexitel.
Los colombianos en Carolina del Sur deberán de solicitar una cita para poder atender a la jornada consular móvil. Ingrese en https://atlanta.consulado.gov.co/ y haga clic en «Agenda su Cita». Siga las instrucciones.
Los trámites que se podrán realizar durante esta jornada consular:
*para el duplicado de cédula es necesario que antes de la jornada lo tramite en https://www.registraduria.gov.co/-Cedula-de-ciudadania-
El pago de los trámites se hace con money order, tarjeta de crédito o débito. Para que el pasaporte llegue a la residencia deben firmar autorización al consulado. También es necesario llevar un sobre de USPS con los datos y el número de “tracking”.
Citas: solo atenderá con cita previaLugar: Exchange Hall del Exchange Park. 9850 Highway 78, Ladson, SC 29456.Fecha y horario: sábado 18 de marzo, de 8:00 a.m. a 5:00 p.m.
Los dominicanos que asistan a la jornada consular en Carolina del Sur podrán solicitar los siguientes trámites:
Además, podrán contar con información sobre: papel de buena conducta, cartas de rutas, visas de negocios, visas de estudiantes, residencia y ciudadanía.
Citas: para hacer la cita se debe llamar al: 770-666-1096. También puede pedir información al: 407-237-0195.Lugar: Exchange Hall del Exchange Park. 9850 Highway 78, Ladson, SC 29456Fechas y horarios: sábado 18 de marzo, de 8:00 a.m. a 4:00 p.m. y también el domingo 19 de marzo, de 7:00 a.m. a 11:00 a.m.
LADSON, S.C. (WCBD) – Several people are sifting through what is left of their belongings after a major fire broke out at a Ladson storage facility on Tuesday morning.The emergency call came in at 7:46 a.m. saying Ladson Self Storage was on fire. The fire destroyed a dozen units at the facility off Highway 78.Wesley Cliff, who owns Living Rock Landscapes, keeps tools, equipment, and some...
LADSON, S.C. (WCBD) – Several people are sifting through what is left of their belongings after a major fire broke out at a Ladson storage facility on Tuesday morning.
The emergency call came in at 7:46 a.m. saying Ladson Self Storage was on fire. The fire destroyed a dozen units at the facility off Highway 78.
Wesley Cliff, who owns Living Rock Landscapes, keeps tools, equipment, and some vehicles for his company at the storage facility.
“I was on my way to work this morning and I pull up to the front of the gate and there’s a guy out there – he’s bleeding from his head, and he just asked for help, and call 9-1-1,” said Cliff.
Cliff said he was just trying to figure out what was going on.
“I look in through the gate and I see up there, I mean there’s smoke everywhere. So, I drive to the back and there’s multiple units on fire,” he recalled.
The fire was ripping through the storage units.
“There was another guy running from the back- he’s coming up to the front saying call 911, and about that time these guys were already here, and they pulled in there and they started getting everything unloaded and started fighting the fire and cutting the doors open. It was a pretty big fire. Got pretty big for a minute,” said Cliff.
12 units were destroyed by fire or heavy smoke damage.
“Units went to work immediately pulling hand lines, starting to extinguish the fire,” explained Battalion Chief Charles Evans with C&B Fire Department.
Numerous fire departments responded. The cause of the fire is undetermined at this point.
And as for the man with blood on his head, officials told News 2 he had minor injuries that did not require EMS transportation.
“Sounds like he was in the unit, perhaps fell down a ladder or some stairs, and one of the units when he was trying to get away to report the fire,” said Batt. Chief Evans.
“Luckily for us, it wasn’t one of our units. But unfortunately, there were some other contractors back there. It was their units; it’s a total loss for those guys. It’s sad that that stuff happens, but they got here fast, they got it put out pretty quickly,” said Cliff.
Crews were on the scene for several hours as they worked to extinguish the flames.
LADSON, S.C. (WCBD)- The annual Coastal Carolina Fair is underway at Exchange Park in Ladson.Most fairgoers have their eyes and stomachs on fair food for the first day.“They always have good food and it’s just a good time to spend with family. They have a little arts and crafts center where you can see the students’ local talents,” said Jasmine Kelly.“Sausage dogs and French fries. Walk around and look and see what’s going on,” said Woody Barsha.One of the new food items o...
LADSON, S.C. (WCBD)- The annual Coastal Carolina Fair is underway at Exchange Park in Ladson.
Most fairgoers have their eyes and stomachs on fair food for the first day.
“They always have good food and it’s just a good time to spend with family. They have a little arts and crafts center where you can see the students’ local talents,” said Jasmine Kelly.
“Sausage dogs and French fries. Walk around and look and see what’s going on,” said Woody Barsha.
One of the new food items on the menu is an Oreo cookie crusted turkey leg.
“No I don’t think so I’ll stick to French fries,” said Barsha.
“I can’t eat that much, but I will have an elephant ear,” said Kelly.
There are 10 new rides this year as well. One of them is a Ferris Wheel that’s 12 stories tall and comes from The Netherlands.
Fair organizers say that those new attraction and food items are great additions, but having a full-scale fair is also something to celebrate.
“We’re really excited about opening up because this is the first really big open fair we’ve had since COVID-19 has happened. We say ‘New in 22,’ and that’s what we’re doing because we have brand new rides, we have many new food vendors so we’re really excited about starting the year off right,” said Gary Leonard from the office of Media and Publicity Relations at the Coastal Carolina Fair.
Most families make the fair a tradition, but it’s even more special for Dan Caskey.
“Today’s my birthday. Every year I have a party and bring this to town to share with everybody else. It’s a great tradition. We love coming out here and having a fun time with the family,” said Caskey.
The fair runs for 12 days and hours of operation can be found here. A calendar of events can be found here.
LADSON, S.C. (WCIV) — It's that time of year again! The annual Coastal Carolina Fair kicks off this week in Ladson with some brand new rides and foods.The fair opens this Thursday and Friday from 3 to 9 p.m.This year's fair will run from Thursday, Oct. 27 to Sunday, Nov. 6.RIDESThere will be around 65 rides in total this year, including some new ones.Thrill seekers will be excited to see the largest rol...
LADSON, S.C. (WCIV) — It's that time of year again! The annual Coastal Carolina Fair kicks off this week in Ladson with some brand new rides and foods.
The fair opens this Thursday and Friday from 3 to 9 p.m.
This year's fair will run from Thursday, Oct. 27 to Sunday, Nov. 6.
There will be around 65 rides in total this year, including some new ones.
Thrill seekers will be excited to see the largest rollercoaster AND Ferris wheel they've had yet. The Ferris wheel is over 100-ft tall.
“We’ve got a brand-new carnival. It’s a big deal for us. We had a very long relationship with the last one, and this one had some opportunities to bring some new coasters, rollercoasters in. Some great rides, and we just couldn’t pass it up,” said Coastal Carolina Fair’s media relations spokesperson, Jay Wallace.
The Coastal Carolina Fair returns Thursday, Oct. 27, 2022. ABC News 4 reporter Sean Mahoney spoke to organizers about fair rides. (WCIV)
A wide variety of tasty treats are on the menus: barbeque sandwiches, cinnamon rolls, bread pudding, funnel cakes, deep fried brownies- and the list goes on and gets more creative.
Some other options will include funnel cakes, elephant ears, and award-winning jalapeno corndogs.
Be sure to look out for the Oreo-encrusted turkey leg!
In addition to rides and food, fairgoers will find lots of other entertainment.
The Coastal Carolina Fair returns Thursday, Oct. 27, 2022. ABC News 4 reporter Sean Mahoney spoke to organizers about the petting zoo. (WCIV)
Coastal Carolina Fair officials suspended online ticket sales until further notice after fraudulent activity was detected Wednesday.
Tickets can be purchased at Circle K stores or at the fair gates for the time being.
Credit and cash are accepted at the gate ticket booths, but only credit is accepted at the kiosks located at each entry gate.
Fair officials said do not buy tickets from people that approach you or posted online.
Check the fair's calendar for special discount days for seniors and more.
TICKET PRICES THROUGH OCTOBER 26TH:
TICKET PRICES BEGINNING OCTOBER 27TH:
The Coastal Carolina Fair returns Thursday, Oct. 27, 2022. ABC News 4 reporter Sean Mahoney spoke to organizers about fair safety, attendance expectations, and charities helped. (WCIV)
The use of metal detectors and a clear plastic bag policy will continue for this season, and that there will be plenty of security. Some of it will be around the clock during the fair’s two-week run.
“The No. 1 rule we have around here that tells us if we’ve had a good fair is if we’ve had a safe fair," said Coastal Carolina Fair’s media relations spokesperson Jay Wallace.
All rides are inspected by multiple agencies, Grimm said.
LADSON — A new recreational vehicle vendor is setting up shop in the Charleston area.RV One Superstores, owned by RV Retailers LLC of Fort Lauderdale, Fla., plans to build a new location on Treeland Drive in Ladson near the College Park Road exit at Interstate 26.An affiliate of the company bought the nearly 16-acre site next to American Biker in late August for $2.95 million, according to Berkeley County land records.Under plans filed with state environmental regulators, the retailer is applying for a stormwater p...
LADSON — A new recreational vehicle vendor is setting up shop in the Charleston area.
RV One Superstores, owned by RV Retailers LLC of Fort Lauderdale, Fla., plans to build a new location on Treeland Drive in Ladson near the College Park Road exit at Interstate 26.
An affiliate of the company bought the nearly 16-acre site next to American Biker in late August for $2.95 million, according to Berkeley County land records.
Under plans filed with state environmental regulators, the retailer is applying for a stormwater permit for 13.3 acres. The wooded site abuts a creek, but the applicant says no wetlands will be disturbed. Part of the property to the east where wetlands are located is not included in the development, according to the company’s site plan.
The company doesn’t have a target date for construction to begin, but the new recreational vehicle store is expected to open sometime in 2021, according to RV Retailers President CEO Jon Ferrando.
“Charleston is an excellent, growing market, and we look forward to creating new jobs in the area and selling and servicing RVs for customers living in and traveling through Charleston,” Ferrando said.
The size of the sales and service center has not been determined, but a store that recently broke ground in Tyler, Texas, is about 24,000 square feet. The number of employees can range between 25 and 60.
RV One offers 11 locations in the U.S., including another one in South Carolina in Myrtle Beach, which opened in July 2019. Others are in Florida, New York and Iowa.
RV Retailers LLC is the parent of seven other recreational vehicle companies.
They include Camper Clinic, CCRV, Cousins RV, Explorer USA, Motor Home Specialists, Sunny’s RV and Tom’s Camperland.
In South Carolina the company also owns Sunny’s RV in Duncan near Spartanburg.
Altogether, RV Retailers operates 34 dealerships offering more than 35 brands in eight states. In addition to the Palmetto State, they are located in Arizona, Colorado, Florida, Iowa, New York, North Carolina and Texas.
Profits are mixed, but South Carolina-based banks are holding their own on the deposit front based on the early returns.
The first few out of the gate in issuing their quarterly updates hauled in a combined $958 million from new and existing customers in the first quarter of the year, led by a nine-figure inflow at United Community Bank.
The issue of how much money federally insured lenders are entrusted with to redeploy into the economy came into sharp focus last week, when a problem child of the industry released its latest results. First Republic revealed that its customers withdrew a stunning $102 billion last quarter, driven largely by concerns about the San Francisco bank’s health after two other financial institutions bit the dust in mid-March.
The so-called contagion from the failures didn’t show up in the first-quarter figures for the Palmetto State.
Greenville-based United Community, for instance, reported that its customer deposits increased $525 million through March 31 across its multistate franchise, not including the accounts it picked up from a recent acquisition, while crosstown rival Southern First added $293 million.
Myrtle Beach’s South Atlantic pulled in more than $40 million in new money for the same period at its 12 offices up and down the coast, bringing the total to $1.26 billion.
“While deposits and liquidity in the banking system have been called into focus in recent weeks, our deposits grew 13.2 percent ... on an annualized basis,” CEO Wayne Wicker said Tuesday.
Lexington-based First Community Bank was singing a similar tune.
“A strength of our bank has been and continues to be the value of our deposit franchise,” CEO Michael Crapps said earlier this month, pointing to a nearly $35 million influx.
“Notably, while the banking industry experienced some turmoil in March ... we actually saw some nice deposit growth,” he added.
Other community banks around the state that reported gains included First Reliance of Florence, up $38 million, Myrtle Beach’s Coastal Carolina National, up $25 million, and Walhalla-based Community First, up $13 million.
“We continue to experience solid growth metrics as we successfully navigate the current volatility in the overall banking industry,” Coastal Carolina National CEO Laurence Bolchoz said.
Lenders across South Carolina and the rest of the country were awash in cash during the Covid-19 crisis, as consumers and businesses socked away government aid money into savings and checking accounts. As of last July 1, the 76 banks with offices in the state reported $128 billion in deposits, up 9 percent from a year earlier, according to the latest government figures.
It wasn’t long ago that those funds weren’t earning much. Banks for years were able to pay miserly interest rates to their depositors, typically less than 1 percent, reflecting the Federal Reserve’s long campaign to keep borrowing costs low.
The calculus has changed, driven by the sudden burst of inflation.
The Fed got the ball rolling more than a year ago. It has cranked up its benchmark borrowing rate nine times since March 2022, taking it from nearly zero to roughly 5 percent, in an effort to cool the economy down. Meanwhile, savers have had to dip into their accounts to help pay for higher-priced goods.
Most lenders are now offering higher returns to attract and retain yield-chasing depositors — and it’s starting to pinch the bottom line.
United Community, the largest bank headquartered in South Carolina, noted that its “net interest margin” — the difference between what it takes in from borrowers and pays out in interest — contracted 3.6 percent last quarter from the end of 2022 “due to increased deposit costs,” according to CEO Lynn Harton.
Similarly, Southern First reported a decline in that key metric, saying it was driven by an “increase in interest expense on our deposit accounts related to the Federal Reserve’s ... interest rate hikes during the past 12 months.”
It was much the same at South Atlantic and First Community.
In Charleston, the Bank of South Carolina said it missed its profitability target for the first quarter, even though its earnings rose almost 9 percent from a year earlier.
“This outcome is the result of precipitous increases in our deposit costs to meet the intense competition amongst banks, brokerages and the U.S. Treasury,” CEO Fleetwood Hassell said in a written statement. “Although loan interest income has increased, our margins remain thin.”
He added that the prospects for more increases by the Fed “is uncertain.”
The short-term answer will come Wednesday, when the central bank wraps up its next policy meeting. It’s widely expected to bump up rates another notch.