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Mortgage Broker in Ladson, SC

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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 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.

Service Areas
Mortgage Broker Ladson, SC
 Refinance Ladson, SC

Why Choose Dan Crance As Your Mortgage Lender in Ladson, 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 Ladson, SC

Home Financing in Ladson, 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 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.

 FHA Mortgages Ladson, 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 Ladson, SC.

Refinancing 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.

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 Ladson, 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 Ladson, 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 Ladson, 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 Ladson 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 Ladson, SC

Trust Dan Crance

Your Mortgage Lender in Ladson, 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 Ladson loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

Latest News in Ladson, SC

Culver’s ButterBurger and HomeGoods ready to open in Ladson, North Charleston

A new frozen custard and burger restaurant soon will welcome customers in Ladson, and a home decor store is opening in a new shopping center in North Charleston.Culver’s plans to open at 10 a.m. Aug. 29 at 3848 Ladson Road next to Gilligan’s Seafood Restaurant, according to Marilyn Knox, the franchise owner who opened the first Charleston-area Culver’s in 2019 on U.S. Highway 17A in Berkeley County.The location also includes a drive-thru and patio, where live ...

A new frozen custard and burger restaurant soon will welcome customers in Ladson, and a home decor store is opening in a new shopping center in North Charleston.

Culver’s plans to open at 10 a.m. Aug. 29 at 3848 Ladson Road next to Gilligan’s Seafood Restaurant, according to Marilyn Knox, the franchise owner who opened the first Charleston-area Culver’s in 2019 on U.S. Highway 17A in Berkeley County.

The location also includes a drive-thru and patio, where live music will be available on opening evening and possibly once a week, Knox said. A ribbon-cutting ceremony is set for 10 a.m. opening day.

Culver’s specializes in its signature ButterBurgers and frozen custard. It also offers other meat sandwiches along with sides and salads.

The planned Culver’s is a few miles north of competitor Freddy’s Frozen Custard and Steakburgers, which opened last fall at 4540 Ladson Road near Stars and Strikes bowling and arcade center on the edge of Summerville.

Come on in

Another new retailer is ready to open its doors in a North Charleston retail center.

HomeGoods plans to host a grand opening Aug. 18, starting at 8 a.m., in the new Cedar Grove Shopping Center at 8821 Dorchester Road.

The 22,000-square-foot home decor shop is the latest merchant to join the new retail center. Already open are Ross Dress for Less, discount shop Five Below and cosmetics purveyor Ulta.

A 16,000-square-foot PetSmart pet supply shop is expected to open in September, and other shops are on the way to a newly constructed outparcel building closer to Dorchester Road.

Shopping center plans call for three more retail structures on the south side where land is currently being cleared next to Riverbluff Parkway in front of Cedar Grove Apartments.

What’s cooking?

A new restaurant is ready to welcome customers at the site of a recently closed dining spot in Mount Pleasant.

Pasture & Grain will officially open at 11 a.m. Aug. 19 at 1701 Shoremeade Road in Indigo Square Shopping Center on U.S. Highway 17.

It’s in the same retail center where national sporting goods retailer REI is upfitting the former Publix GreenWise Market grocery store space for an opening in the fall.

The restaurant is taking over the space vacated in May by Blaze Pizza, which closed after three years.

Pasture & Grain owner and operator Ira Hill said the 2,800-square-foot venue will serve American fare priced from $8 to $18.

Meats, vegetables, grains, hot and cold sandwiches, salads and toast with spreads are on the menu. Sous chef is Brandon Brown. The new restaurant will be open until 9 p.m. daily.

On the way

A Florida-based grocery chain with several stores in the Charleston area has rolled out curbside prescription pickup in four states. Publix Pharmacy started offering the service Aug. 10 in Alabama, Florida, Georgia and Virginia. South Carolina and North Carolina locations will be added in the future as the company expands the program throughout its entire operations in the Southeast.

Tan lines

A new tanning salon has opened in Mount Pleasant.

City Tan can be found at 1167 Basketweave Drive in the Cirque Salon Studios off U.S. Highway 17 near Six Mile Road. The owner is Liz Bailey, who also owns Bikini Bronze Charleston at 10 Exchange St. on the peninsula.

Ready to Rumble

A group boxing workout studio plans to make its South Carolina debut with three new sites.

Rumble Boxing plans to open in Charleston and Hilton Head Island. Locations have not been announced.

Rumble President Shaun Grove said boxing workouts are geared to all fitness levels and abilities and the company plans to continue its expansion across the nation.

The boxing-inspired studio delivers 45-minute, 10-round strength and conditioning group workouts crafted around teardrop-style aqua boxing bags and high-intensity strength-training circuits. Rumble is designed to build strength and relieve stress.

The New York City-based company has 25 franchise locations open across the U.S. Others are in development.

Tickets on sale for Lowcountry's 1st Trucking Expo; event aims to ease industry challenges

LADSON, S.C. (WCIV) — For the last two years, the trucking industry has struggl...

LADSON, S.C. (WCIV) — For the last two years, the trucking industry has struggled with an all-time high in truck driver shortages. Amid this crisis, a Charleston trucking company is looking to change the narrative right here in the Lowcountry.

In exactly four months’ time, the Coastal Carolina Fairgrounds will be full of truck service companies, operators and vendors taking part in the first-ever trucking expo in the Lowcountry and South Carolina.

The expo is hosted by the trucking agency CM Transportation. The event will serve two main purposes:

One is to connect prospective drivers with current operators, vendors or agencies to provide the first step into entry in the trucking industry and open doors to those who haven’t had the opportunity before. It also looks to connect these prospective drivers with resources on how to get certified and obtain a commercial driver’s license.

The second is to connect operators with vendors in an attempt to improve supply chain management and look at ways to increase revenue.

With the current driver shortage totaling nearly 80,000 drivers nationwide, according to the American Trucker Association, leaders with CM Transportation say they felt the need to step in to try and make a change.

“With there being so many changes, like the cost of diesel fuel right now increasing the rates, we have a lot of people who are interested in entering into our industry,” CM Transportation owner and operator Carisa Carter said. “The lack of knowledge is why we peril. So, they don't really have the information that a lot of people don't have. The information that they need when they begin their journey in trucking. So, I think that this will change the face, because now they'll see that there is a support system.”

Carter said another focus of hers is to increase the female presence in the trucking industry. She hopes to use her connections within female-owned small businesses to help connect truck drivers with big players in the industry.

Truck drivers are in high demand, but there are many more factors that contribute to some of the struggles within the trucking industry.

One is the hike in diesel fuel prices over the last few months. Mix that with supply chain delays, and trucking companies like CM Transportation say it has completely changed the cost analysis for many companies and even caused many financial struggles.

Entry into the industry has also become harder over the last few months. New federal laws passed in February increased prices to obtain a CDL, which is required to be able to become a truck driver, by thousands of dollars.

To combat this, trucking officials say they have seen the highest salaries for drivers in almost 23 years, and with Charleston’s roots in shipping and ports, CM Transportation leaders hope this expo will drive more people into the industry.

“From East Coast to West Coast, there's just not enough truck drivers to deliver the amount of cargo that came in after the world opened back up after COVID,” Carter said. “That is one of the foundations, the biggest industries, that we have here locally, and so we're, you know, with this being a port city, the value is increased nationwide, which has allowed us to increase the value of our drivers here.”

The official date of the expo is set for Sept. 17 at the Coastal Carolina Fairgrounds. There will also be food, a DJ and a raffle for an estimated $6,000 set of tractor tires.

Tickets officially go on sale Tuesday for the first-of-its-kind expo. General admission starts at $25, with a professional package with more amenities starting at around $50.

Check out ABC News Four’s Sean Mahoney’s Twitter or Facebook page for more information on how to sign up.

Coastal Carolina Fair opens in Ladson

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 Road Streetscape Project draws feedback, concerns from locals

Dorchester County citizens had an opportunity to offer feedback and voice concerns about streetscape improvements planned for Ladson Road at the Aug. 22 public meeting held at the Dorchester County Council Chambers.Dorchester County personnel and consultant representatives from SeamonWhiteside, a local engineering and design firm, were on hand to discuss the project with citizens as a group and individually, as requested.The well-attended meeting showcased a lively discussion during which citizens expressed their concerns, fear...

Dorchester County citizens had an opportunity to offer feedback and voice concerns about streetscape improvements planned for Ladson Road at the Aug. 22 public meeting held at the Dorchester County Council Chambers.

Dorchester County personnel and consultant representatives from SeamonWhiteside, a local engineering and design firm, were on hand to discuss the project with citizens as a group and individually, as requested.

The well-attended meeting showcased a lively discussion during which citizens expressed their concerns, fears and frustrations over the project plans to date, as well as what is seen by many present as current problems that could be made worse going forward.

Construction of dedicated turn lanes at key intersections and installation of raised, landscaped medians with plantings and street lights are the key elements of the project. Video displays and print handouts were provided at the meeting to illustrate the plans under consideration. The project will impact the section of Ladson Road from the termination of the South Carolina Department of Transportation (SCDOT) Dorchester Road Safety Improvement project to Coopers Ridge Boulevard.

“Last night’s meeting was the first step in soliciting public input, and we received many good comments that will be considered as we continue to move the design forward,” said Daniel Prentice, Deputy County Administrator. The meeting followed the DOT public comment requirements, according to Prentice.

The Ladson Road Streetscape Project is part of the Oakbrook Redevelopment Plan which was established in 2019. The plan outlines a comprehensive, multi-agency plan to revitalize the Oakbrook area. Funding comes from Tax Increment Financing (TIF), a method for financing redevelopment in blighted, conservation and sprawl areas of counties. TIF utilizes incremental increases in assessed value and property taxes to fund projects.

The price tag for the overall Oakbrook Redevelopment Plan now stands at $5 million, but county officials insist that it is not represented by a tax increase or impact fee.

“A TIF district is not a tax increase,” said Prentice. “The entities that levy millage (the rate at which property taxes are levied) partner to send tax dollars resulting from growth in assessments of new or improved buildings to the TIF fund which funds the public improvements. The public improvements, in turn, are used to continue to spur new private growth, increasing the overall vitality of the area.”

County personnel and officials projected their belief that by making the area more attractive for retail and restaurant activities, improving pedestrian and bike safety, improving infrastructure, reducing traffic and increasing safety and other upgrades, investment dollars will increase; new business and development will be established.

Presentation of the project leaned heavily on the aesthetic and beautification benefits to be realized, but county officials and staff also stressed improvement in safety as a major goal. “Data shows that safety will be improved by closing off the current open medians and guiding traffic through the use of dedicated turn lanes and restricting other turning movements due to the proposed medians,” said Prentice. “While one of the goals of the TIF district is beautification, the County believes that an additional positive outcome will be the function and safety of the corridor.”

Not everyone in attendance was convinced. Several citizens expressed frustration in their view that the county is giving priority to aesthetics over safety and functionality. Concerns voiced included existing poor access to certain businesses, which could increase under the plan; traffic load; difficulty of large and service vehicles to navigate turns; challenges of cyclists; maintenance costs associated with the use of plants versus other materials for division; and problems arising out of the overlap of traffic routes between counties.

One business owner, whose business requires drop-off traffic, complained that attracting new business and traffic, when existing businesses are negatively impacted by current road and traffic design, is not in the best interest of businesses along Ladson Road.

Proponents of the plan defended medians as a more modern design consideration for roadway construction and advocated for guiding traffic to dedicated turn lanes.

“Access management studies show that the true overall impact is not negative, although acclimation to the changes is required due to new traffic patterns,” said Prentice.

Construction on the Ladson Road Streetscape Project is slated to begin mid-2023, according to county personnel. Additional information on the Ladson Road project, Oakbrook Redevelopment Plan and TIF can be found on the Dorchester County website at https://www.dorchestercountysc.gov.

Public comments, written or oral, are invited.

Ladson home owner seeks answers for chronic flooding

About 20 years after the purchase of his Summerwood subdivision residence on Poplar Grove Place in Ladson, family man Duane Dickerson has yet to solve intense spells of flooding that affect his home, as his attempts to seek assistance from the U.S. Army Corps of Engineers haven’t produced any tangible results to date.“The street started to flood almost immediately, almost a couple of months after I bought it.” recalled Dickerson, a construction worker who has never considered moving as many of his former neighbors ha...

About 20 years after the purchase of his Summerwood subdivision residence on Poplar Grove Place in Ladson, family man Duane Dickerson has yet to solve intense spells of flooding that affect his home, as his attempts to seek assistance from the U.S. Army Corps of Engineers haven’t produced any tangible results to date.

“The street started to flood almost immediately, almost a couple of months after I bought it.” recalled Dickerson, a construction worker who has never considered moving as many of his former neighbors have due in part to the great school districts his three children are part of.

The issue, he says, stems from a “clogged up” waterway known as Eagle Creek that runs along the Sawmill Branch Trail in area near the Berlin G. Myers Parkway.

“They call it a creek, but it looks more like a ditch,” describes Dickerson, who said that soot at the bottom of the canal is sparking an overflow of water seeping into people’s homes, particularly during hurricanes and other major storms.

State Senator Sean Bennett told the Journal Scene that he previously met with Dickerson in 2019 to assess Eagle Creek.

“I saw the concerns he had. It needs to be cleaned. There is a spillway there that is not operating,” stated Bennett, who also pointed out that Dorchester County cannot do anything to remedy the dilemma since the creek is under jurisdiction of the Army Corps. In fact, no work can be initiated without the permission of the federal agency.

The local elected official further mentioned that the Army Corps actually does have a plan to clear out the reported clogging, but the group cannot access the necessary government funding to carry out their project.

While the Journal Scene’s phone calls to the U.S. Army Corps haven’t been returned, a Channel 2 News report confirms Bennett’s analysis by citing claims on the part of an Army Corps program manager, who observed that he can’t secure the necessary federal dollars to reduce flooding to local homes and infrastructure.

The Army Corps rep broached the idea of digging a retention pond to mitigate overflows with Channel 2.

Dickerson, on the other hand, promised the Journal Scene that he could fix the problem in two months by himself with one piece of equipment.

“It would look a lot different, but I can make the water move from point A to point B and it would never come through the neighborhood, it would ride right through the woods like it’s supposed to.”

Meanwhile Dickerson and his neighbors have seen an uptick in flooding in 2022, as anywhere from 5-26 inches of water has infiltrated people’s homes, driveways and garage areas.

The worst case of it occurred in 2015, recounted Dickerson, when the “1,000-year Flood” produced water levels so deep that people couldn’t move their vehicles, resulting in about 30-35 cars that were lost.

Another hindrance in dealing with the Army Corps, according to Dickerson and Bennett, is the constant turnover at the top.

Dickerson summed up the matter by adding: “This project is long overdue. Somebody from DOT told me it will happen one day, they just don’t know when. We’re probably going to flood 100 more times before it happens.”

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