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 Lexington, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Lexington'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 Lexington, 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.
Ask Dan Anything843-478-5612At 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 Lexington, 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 Lexington, 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 Lexington, 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 Lexington, 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 Lexington loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANA major health insurer will drop a Midlands health care system from its network early next year.Lexington Medical Center confirmed to The State on Monday that the West Columbia hospital and its plethora of services around the Columbia area will no longer be considered in-network with Aetna as of Feb. 1.“Beginning February 1, 2025, Aetna will no longer consider Lexington Medical Center or its affiliated physician practices as in-network for its commercial or Medicare Advantage plans,” the hospital said in an email. &...
A major health insurer will drop a Midlands health care system from its network early next year.
Lexington Medical Center confirmed to The State on Monday that the West Columbia hospital and its plethora of services around the Columbia area will no longer be considered in-network with Aetna as of Feb. 1.
“Beginning February 1, 2025, Aetna will no longer consider Lexington Medical Center or its affiliated physician practices as in-network for its commercial or Medicare Advantage plans,” the hospital said in an email. “Even though our network status may change, Aetna-insured patients can still come to Lexington Medical Center, our urgent care facilities, our surgery centers, and our physician practices for their care.”
Besides its West Columbia hospital near Interstate 26, Lexington Medical Center operates 44 separate practices and specialists throughout the Midlands, from oncologists to podiatrists to urgent cares. All of them are affected by the decision. Lexington Medical Center had previously warned patients that it was in negotiations with Aetna for next year’s coverage, but that its status was “doubtful,” in case patients wanted to adjust their health coverage for 2025.
Aetna parent company CVS Health told The State in a statement that the company is continuing to work to try to keep Lexington Medical Center facilities and providers within its network, but blamed the health provider for asking for too much in any renewed plan.
“We are continuing to work in good faith to renew our network agreement with Lexington Medical Center,” the insurer said. “However, we remain far apart on terms because of their demand for unreasonable price increases for their services. While we want to reach an agreement that keeps Lexington Medical Center in our network, we cannot agree to terms that would burden our members and local employers with significant cost increases.
“It is unfortunate, but unless we reach a new agreement, Lexington Medical Center will no longer be in network for our Medicare and Commercial health plans after January 31, 2025.”
The hospital network said that health plans with out-of-network benefits will incur out-of-network costs at an LMC provider. Lexington Medical does provide financial assistance programs if the coverage change causes hardship for its patients.
Aetna-insured patients currently receiving ongoing treatments at Lexington Medical Center may qualify for continuity-of-care benefits for certain conditions. The hospital encouraged patients to contact Aetna to check if these benefits would be available to them.
Emergency services at the hospital’s emergency department will continue to be treated as in-network, Lexington Medical said.
This story was originally published December 16, 2024, 11:30 AM.
LEXINGTON, SCIn our Uniquely series, The State journalists bring you the quirky and cool, historic and infamous, beloved and unforgettable, and everything-in-between stories of what makes the Midlands remarkable. Read more. Story idea? statenews@thestate.com.Most people may not associate the holiday season with dinosaurs, but that’s the vibe...
LEXINGTON, SC
In our Uniquely series, The State journalists bring you the quirky and cool, historic and infamous, beloved and unforgettable, and everything-in-between stories of what makes the Midlands remarkable. Read more. Story idea? statenews@thestate.com.
Most people may not associate the holiday season with dinosaurs, but that’s the vibe at the Price household.
The yard of the house on Augusta Road/Highway 1 just outside Lexington is crawling with dinos of various sizes. The creatures made out of insulation foam board frolic amid the twinkle of the Christmas lights on the side of the highway.
“It’s become a bit of a landmark,” said Christopher Price, the dinosaurs’ creator.
The self-employed handyman made his first dinosaur a couple years ago for his two sons, now 8 and 6 years old. The originals went up for Halloween in 2022, and have returned every year since then with new additions. The total collection now includes 11 dinosaurs, Price said.
The giant lizards are otherwise packed away for most of the year, except for the largest piece, a tyrannosaurus rex nicknamed “Lex,” which has become a permanent feature of the Price yard.
But Price took his time packing up this year, and eventually asked his family if he should leave them up through Christmas. His wife was cool to the idea, but the boys were excited to keep them around. “Sorry, you’ve been outvoted,” he said he told his wife.
Each dinosaur represents a specific species, from a pterodactyl to a velociraptor. But the most detailed is actually his first attempt, an ankylosaurus or “armored dinosaur” with distinct individual scales, a tail club and spikes grafted into the foam.
From the front, Price’s dinosaurs look textured and ferocious, illuminated at night so they stay clearly visible to passing cars on the highway. But walk around back and it becomes clear they’re flat boards propped up with just enough give that they will sway in the wind without snapping at the legs.
Price hadn’t taken on such a mammoth construction project as the dinosaurs before, until he made his son a set of megalodon shark teeth wide enough to swallow a little boy. Now he has a spinosaurus that stretches 24 feet long and 11 feet tall. That one might be dwarfed by his next planned addition, a brontosaurus that will tower 24 feet over the family yard.
The display takes its inspiration from the movie “Jurassic Park,” including a version of the iconic Jeep from the movie, which is crossing over a stream of blue Christmas lights in Price’s yard. He even built a triceratops laying on its side to replicate the sick dinosaur in the movie.
“I still get goosebumps watching that,” Price said.
This year, Price painted Lex a bright pink as part of a fundraiser for the American Cancer Society for breast cancer research and treatment. The T. rex is inscribed with the names of some 80 people who are or have battled cancer. The society’s fall campaign, including pink Lex, ended up raising $1,500, Price said.
“I had a lot of fun with that, and it’s for a good cause,” Price said. “I’ll probably do that for years to come.”
Over the years, Price’s dinosaur display has attracted a lot of attention, especially since his house sits on a busy stretch of highway heading into and out of Lexington. This past Halloween — when the dinosaurs were paired with skeletons rather than Christmas lights — he estimates he had 300 trick-or-treaters stop by the house, all of them wanting to get their picture taken with the dinosaur.
“I’ve got other ideas, but I can’t get away from dinosaurs,” he said. “That’s kind of what’s given me my notoriety.”
LEXINGTON COUNTY, S.C. (WIS) - A student at Irmo High School was identified as the victim of a deadly crash on St. Andrew’s Road Monday night.Lexington County Coroner Margaret Fisher identified the teen as 16-year-old Brittany Rosalinda Valencia, of Columbia.According to the South Carolina Highway Patrol, Valencia was heading eastbound on St. Andrews Road when she crashed with a car traveling westbound. Va...
LEXINGTON COUNTY, S.C. (WIS) - A student at Irmo High School was identified as the victim of a deadly crash on St. Andrew’s Road Monday night.
Lexington County Coroner Margaret Fisher identified the teen as 16-year-old Brittany Rosalinda Valencia, of Columbia.
According to the South Carolina Highway Patrol, Valencia was heading eastbound on St. Andrews Road when she crashed with a car traveling westbound. Valencia was pronounced dead on the scene.
The high school’s principal, Kaaren W. Hampton, Ph.D, sent the following message to families following the death of the student:
“Dear Yellow Jacket Family,
It is with a heavy heart that I share the tragic news of the passing of one of our students. This heartbreaking event has deeply affected our entire school community, and I wanted to ensure you were informed so that you can discuss it with your child.
Last evening, one of our students, Brittany Valencia, was involved in a car accident and tragically passed away. Brittany was an outstanding young woman who touched the lives of many in our school community.
To support our students, staff, and families during this difficult time, we have made counselors available to anyone who needs assistance. Counselors will be available tomorrow for student and staff support.
It’s understandable to be concerned about how this tragedy might impact your child. Changes in their behavior could be a sign that they need support in coping with the loss of a peer. If you feel your child may need additional support, please do not hesitate to contact the school at 803-476-3000, and we will be available to assist.
Thank you for your support as we navigate this difficult time together. We are grateful for the thoughts and prayers from our community for Brittany’s family and all those who are grieving this loss."
The Lexington County Coroner’s Office and South Carolina Highway Patrol continue to investigate the incident.
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Copyright 2024 WIS. All rights reserved.
The first day of the fall signing period was Wednesday. The period will run through Nov. 20, with senior athletes from all sports except football able to sign letters of intent with their future colleges.Here is a list of Midlands players who signed — or will sign — during the period. The list will be updated throughout the signing period.Zahir Barjam (P-27 Academy/West Virginia)Taylor Belza (P-27 Academy/Auburn)Max Bettis (P-27 Academy/Kansas State)Sam Bettis (P-27 Academy/Kansas State)B...
The first day of the fall signing period was Wednesday. The period will run through Nov. 20, with senior athletes from all sports except football able to sign letters of intent with their future colleges.
Here is a list of Midlands players who signed — or will sign — during the period. The list will be updated throughout the signing period.
Zahir Barjam (P-27 Academy/West Virginia)
Taylor Belza (P-27 Academy/Auburn)
Max Bettis (P-27 Academy/Kansas State)
Sam Bettis (P-27 Academy/Kansas State)
Brandon Cromer (Lexington/South Carolina)
Breon Earle (Ben Lippen/UNC Pembroke)
Ezra Essex (P-27 Academy/Oklahoma State)
Jason Fultz (P-27 Academy/Clemson)
George Handal (P-27 Academy/Rice)
Carter Harrington (AC Flora/College of Charleston)
Skyler Hegler (P-27 Academy/Clemson)
Lincoln Hill (Lexington/Florence-Darlington Tech)
Will Howard (P-27 Academy/Wofford)
Alex Jang (P-27 Academy/Youngstown State)
Sean Lee (Ben Lippen/Lenoir-Rhyne)
Macon Leppert (Blythewood/Gaston College)
David McElveen (Ben Lippen/Erskine)
Max McClusky (P-27 Academy/St. Peters)
Sam Moseman (P-27 Academy/New York University)
Alvin Murray (Cardinal Newman/Newberry)
Alex Myers (Blythewood/Wofford)
Mason O’Cain (Ben Lippen/Erskine)
Micah Ott (Ben Lippen/Limestone)
Daniel Parker (P-27 Academy/Coastal Carolina)
Luke Shalkum (AC Flora/Trinity College)
Luca Sieger (P-27 Academy/St. Peters)
Zach Snead (AC Flora/The Citadel)
Toby Sobieralski (Lexington/USC Aiken)
Zane Stahl (P-27 Academy/Louisville)
Jace Stancil (P-27 Academy/College of Charleston)
Bryson Steele (P-27 Academy/Rice)
Logan Struk (P-27 Academy/Clemson)
Owen Watts (Lexington/Florence-Darlington Tech)
Cross Yarborough (P-27 Academy/Charleston Southern)
Kaleb Evans (Lexington/Winthrop)
Michaela Fairwell (Dutch Fork/UC San Diego)
Lauren Jacobs (Heathwood Hall/Ole Miss)
Sabreya Monsanto (Heathwood Hall/East Tennessee State)
Mariana Moody (Spring Valley/Francis Marion)
Brian Sumpter (Keenan/Wofford)
Mia Andrade (Chapin/Western Carolina)
Lily Reed Black (Chapin/William & Mary)
Charles Cauthen (AC Flora/Kentucky)
Teddy Dunn (Gray Collegiate/Mercer)
Caitlyn Gaines (River Bluff/Southern Wesleyan)
Harrison James (Chapin/Coastal Carolina)
James Rhodes (AC Flora/Presbyterian)
Bella Adler (Lexington/Gardner-Webb)
Olivia Buchanan (Lexington/Coker)
Tyler Cast (River Bluff/North Greenville)
Emersin Clamp (Lexington/Lander)
Bryleigh Howe (River Bluff/Gardner-Webb)
Hailey Jasuta (Lexington/Montevallo)
Drew McCall (Hammond/Anderson)
Palmer Mood (AC Flora/Alabama-Huntsville)
Kylie Nagle (River Bluff/Lander)
Izzy Saville (Lexington/Lenoir-Rhyne)
Tommy Werny (Lexington/Lander)
Elle Brewer (Hammond/Winthrop)
Mary Taylor Campbell (River Bluff/Oakland)
Alyssa Frazier (Lexington/Memphis)
Katherine Haigler (Chapin/Limestone)
Lila Kaminski (Cardinal Newman/Virginia Wesleyan)
Sidney Kitts (Lexington/Wofford)
Avery Pegram (Blythewood/Appalachian State)
Logan Rivers (Hammond/American)
Macie Rogers (Chapin/College of Charleston)
Emma Valdes (AC Flora/Wofford)
Kelsey Wiggins (Northside Christian/Montreat)
Robyn Craig (Lexington/North Greenville)
Sam Craig (Lexington/Gardner-Webb)
Arden Leagan (River Bluff/Spartanburg Methodist)
Grace Moore (Dutch Fork/Wingate)
Shaylynn Scott (Lexington/USC Salkahatchie)
Claire Starkey (River Bluff/Brevard)
Lexie Taylor (Lexington/Lenoir-Rhyne)
Hanna Eckart (Lexington/Georgia Southern)
Sidney Caulder (Chapin/Lander)
Emma Ashley (Westwood/South Carolina)
Ellie Fisher (Airport/Columbia College)
Lydia Metz (Lexington/College of Charleston)
Patton Casto (River Bluff/USC Beaufort)
Addie Bittner (North Central/Coker)
Merryck Brackett (Dutch Fork/Newberry)
Mia Burgess (Dutch Fork/Benedict)
Emily DeRienzo (Lexington/North Greenville)
Sydney Fischer (Lexington/Jacksonville)‘
Haley Freeman (Northside Christian/North Greenville)
Kristen Galloway (Blythewood/McDaniel College)
Camryn Jeffery (Westwood/LSU)
Hadley Lindner (Northside Christian/USC Sumter)
Masyn McClanahan (River Bluff/Gardner-Webb)
Mary Norwood (North Central/Columbia International)
Signing Day at @GoBlythewood @AlexMyers121 (Wofford Baseball)@maconleppert15 (Gaston College Baseball)Kristen Galloway (McDaniel volleyball)Avery Pegram (App State soccer) pic.twitter.com/sUsCEHgFn8
— Lou Bezjak (@LouatTheState) November 13, 2024
National Signing Day! Join us today at 12pm in the gym as we have two athletes signing to continue their careers at the next level! Baseball Alvin Murray IIISoccer Lila Kaminski #BackTheBird pic.twitter.com/7aGCB4UDt2
— CNathletics1 (@CNathletics1) November 13, 2024
Congrats to our Fall 2024 Signees! #GoRBHSGators (Photo by Monica Powell) pic.twitter.com/oMFwBldfzz
— River Bluff HS Gator Athletics (@Gator_Athletics) November 13, 2024
Signed and Sealed to the Sip @LaurenJacobs25 | #HottyToddy pic.twitter.com/PFuBDU9kJs
— Ole Miss Women's BB (@OleMissWBB) November 13, 2024
>> @SabreyaMonsanto #FaithfulForForty | #BeGreat pic.twitter.com/oT5mGjI6uQ
— ETSU WBB (@ETSU_WBB) November 13, 2024
This story was originally published November 13, 2024, 12:20 PM.
The State
Lou Bezjak is the High School Sports Prep Coordinator for The (Columbia) State and (Hilton Head) Island Packet. He previously worked at the Florence Morning News and had covered high school sports in South Carolina since 2002. Lou is a two-time South Carolina Sports Writer of the Year by the National Sports Media Association.
A new spot where folks can get their fix for coffee and more is headed to Lexington.Canal Coffee Co., a growing company with locations in the Carolinas and elsewhere, is prepping a new spot at 510 Columbia Ave. There’s a large sign at the property announcing that the coffee spot is “brewing soon,” and the project has been listed in town of Lexington planning and zoning documents in recent months.An opening date for ...
A new spot where folks can get their fix for coffee and more is headed to Lexington.
Canal Coffee Co., a growing company with locations in the Carolinas and elsewhere, is prepping a new spot at 510 Columbia Ave. There’s a large sign at the property announcing that the coffee spot is “brewing soon,” and the project has been listed in town of Lexington planning and zoning documents in recent months.
An opening date for the Lexington Canal Coffee has not been publicly announced. Construction on the site was underway on Monday morning when a reporter went by.
Canal Coffee Co. has eight existing locations in South Carolina, North Carolina and Florida, according to the company’s website. Current S.C. locations include a spot on Summit parkway in Columbia, a shop on Broad River Road in Irmo and one on Main Street in South Congaree near the Columbia Metropolitan Airport.
The menu at Canal includes a host of traditional and specialty coffees, including seasonal menus such as the current fall collection. That roster includes the fall harvest cold brew, which is a cold brew mixed with brown sugar, cinnamon and pumpkin, topped with shortbread cold foam. Canal also serves energy drinks, teas, smoothies and hot breakfast items such as spicy sausage biscuits.
The Canal Coffee on Columbia Avenue will be in a high-traffic spot in Lexington, northwest of downtown. Nearly 33,000 cars per day travel down that section of Columbia Avenue, per state Department of Transportation data. The coffee place will be near a number of other commercial businesses, including a Pizza Hut next door, and a Best Western hotel and Applebee’s restaurant across the street.
It will also sit a couple blocks away from an outpost of CLUTCH Coffee Bar, another growing coffee chain in the Carolinas that is making inroads in the Midlands.
The State
Chris Trainor is a retail reporter for The State and has been working for newspapers in South Carolina for more than 20 years, including previous stops at the (Greenwood) Index-Journal and the (Columbia) Free Times. He is the winner of numerous South Carolina Press Association awards, including honors in column writing, government beat reporting, profile writing, food writing, business beat reporting, election coverage, social media and more.