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 Melbourne, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Melbourne'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 Melbourne, 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 Melbourne, 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 Melbourne, 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 Melbourne, 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.
Opening on 5 August, “Dark Matters” will bring artworks from Arts at CERN programmes to Australian audiences for the first timeArts at CERN has joined forces with Science Gallery Melbourne and the ARC Centre of Excellence for Dark Matter Particle Physics to present Dark Matters, an exhibit...
Opening on 5 August, “Dark Matters” will bring artworks from Arts at CERN programmes to Australian audiences for the first time
Arts at CERN has joined forces with Science Gallery Melbourne and the ARC Centre of Excellence for Dark Matter Particle Physics to present Dark Matters, an exhibition that seeks to explore the fundamental essence of life and the Universe and to question how their mysteries continue to elude us. For over a decade, Arts at CERN has been actively developing international collaborations with leading scientific laboratories and cultural institutions to foster a global network of art and science. Through Dark Matters, Arts at CERN extends this commitment by igniting dialogues between artists and experts from the ARC Centre of Excellence for Dark Matter Particle Physics, Australia’s leading dark matter research centre.
In 2017, Arts at CERN launched its exhibitions programme with the aim of engaging with audiences who are interested in art and fundamental science and eager to connect with CERN’s research. Now, Dark Matters brings some of the remarkable creations that have emerged from the work and research of the artists-in-residence to connect with and inspire audiences across Melbourne.
Physicists estimate that we can see and interact with only 5% of the mass of the Universe; the rest remains little known. About 85% of this unseen mass is attributed to dark matter, which is particularly challenging to study because it does not visibly interact with light. As artists and scientists continue the ultimate quest to understand it, its elusive nature mirrors the limitations of our cognitive experience. Dark Matters poses the question of whether searching for this mysterious substance could lead us to imagine new possibilities for life, our relationship with non-humans, and creative technologies that enable us to access unfathomable environments.
Several artworks in the exhibition have been drawn from Arts at CERN’s residency programmes. South Korean music producer and artist Yunchul Kim presents Chroma V, a giant 50-metre-long sculpture that folds in on itself in an intricate knot. Made of metal and materials derived from techniques Kim explored in collaboration with material scientists, the installation detects subatomic particles and comes to life as it reacts to invisible forces. 2016 Collide awardee Kim will also premiere a new art commission in an upcoming exhibition at the CERN Science Gateway from October.
In the project Scientific Dreaming, British artist Suzanne Treister carried out a series of writing workshops with scientists from CERN and the University of Melbourne with the aim of opening their unconscious imaginations. Through interviews and exercises, the scientists wrote science fiction stories that envisage hopeful futures based on hypothetical scientific breakthroughs, while exposing the potential risks associated with these technological advances. The stories, as well as narrative plot diagrams by the artist, will be part of the exhibition.
Dark Matters will also feature the work of Swiss artist Alan Bogana, Chilean artist Patricia Domínguez, Lithuanian designer Julijonas Urbonas and British artist duo Semiconductor among other local and international artists.
Co-curated by Mónica Bello, Head of Arts at CERN, Tilly Boleyn, Head of Curatorial at Science Gallery Melbourne, and a panel of young people and academic experts, Dark Matters will consider how dark matter changes how we think about ourselves, on both an individual level and a universal scale.
Port Melbourne SC has announced Nick Marinos as their new NPLM Victoria, ahead of the 2024 season.Marinos takes over from Adam Piddick who sits amongst the top 10 of games coached in the Men's NPL with over 100 games in charge of the Sharks in 2015 and between 2018 and 23.Marinos said he was "looking forward to the challenge and excited to work with very talented footballers at PMSC."“We want to develop great characters and good people, with the correct mindset, to be professionals, not only in football, ...
Port Melbourne SC has announced Nick Marinos as their new NPLM Victoria, ahead of the 2024 season.
Marinos takes over from Adam Piddick who sits amongst the top 10 of games coached in the Men's NPL with over 100 games in charge of the Sharks in 2015 and between 2018 and 23.
Marinos said he was "looking forward to the challenge and excited to work with very talented footballers at PMSC."
“We want to develop great characters and good people, with the correct mindset, to be professionals, not only in football, but also in everyday life," he said.
"I would like to thank everyone at Port Melbourne SC for giving me the opportunity to progress my coaching career.
"Enough from me, let’s let our football do all the talking, hope to see all our loyal sponsors and supporters back for an exciting season in 2024."
|2000||Green Gully Cavaliers (VPL)||0||9||9||2|
|2003-04||Melbourne Knights (NSL)||6||6||12||3|
|2004||Oakleigh Cannons (VPL)||13||4||17||8|
|2005||Oakleigh Cannons (VPL)||4||1||5||0|
|2005||Heidelberg United (VPL)||14||3||17||12|
|2006||Heidelberg United (VPL)||20||3||23||9|
|2007||Heidelberg United (VPL)||26||0||26||6|
|2008-09||APS Zakynthos (Greece)|
|2009-10||APS Zakynthos (Greece)|
|2010||Heidelberg United (VPL)||3||4||7||2|
|2012||Heidelberg United (VPL)||7||1||8||0|
|2013||Heidelberg United (VSL 1)||18||1||19||11|
|2014||Hume City (NPL)||5||3||8||0|
|2014||Sunshine George Cross (NPL 1)||4||0||4||1|
An inquiry into historical child sexual abuse at a Melbourne primary school in the 1960s and 1970s will investigate allegations at 18 other state schools where the same teachers also worked.The Andrews government in June announced a board of inquiry into historical abuse allegations at Beaumaris primary school, i...
An inquiry into historical child sexual abuse at a Melbourne primary school in the 1960s and 1970s will investigate allegations at 18 other state schools where the same teachers also worked.
The Andrews government in June announced a board of inquiry into historical abuse allegations at Beaumaris primary school, in Melbourne’s south-east.
But on Thursday the inquiry revealed it will focus on at least three perpetrators who were involved with 18 Victorian schools, as it called for submissions.
The inquiry’s terms of reference means it can only investigate allegations at schools where there is a link to Beaumaris primary. The 18 Victorian schools named are where the same teachers from Beaumaris had also worked.
The Andrews government has also flagged the inquiry’s scope could be widened to include allegations at other schools if evidence was uncovered.
The inquiry’s chair, Kathleen Foley, SC, said the probe will be guided by the needs of victim-survivors.
“We’ll be creating an official public record of victim survivor experiences so that they can be seen, heard and acknowledged in the way that they deserve to be in sharing their experiences,” she said.
“We want to be part of the process of healing for all those affected.”
Foley said the inquiry had identified a former Beaumaris teacher, Gary Mitchell, as one of the perpetrators. The inquiry said it would name other perpetrators when it was able to do so.
Since the late 1990s, Mitchell has been sentenced five times for child sexual abuse offences committed between 1967 and 2001.
Mitchell worked at a number of Victorian schools, including Warragul Technical school, Dandenong North primary school, Dandenong West primary school, Beaconsfield Upper primary school, Emerald primary school, Cranbourne primary school – where he was the deputy principal – and Bunyip primary school, where he was principal for eight years.
Foley, a commissioner at the Victorian Law Reform Commission, said the inquiry would hear testimonies of people abused by staff and contractors at schools between the 1960s and end of the 1990s, who had also worked at Beaumaris.
Anyone who thought they had relevant information should come forward even if they are unsure if it was in the inquiry’s scope, Foley said. Members of the public can choose to provide information anonymously.
“We will respect people’s preferences in how they share their information with us,” Foley said.
Public hearings for the inquiry will commence later this month and some testimonies will be given in private.
The Victorian premier, Daniel Andrews, has pledged to deliver a formal apology to recognise abuse victim-survivors who attended Beaumaris primary school, and has described the abuse as “vile, evil and incredibly damaging”.
The apology will be separate to a wider apology the government is due to deliver later this year that will recognise historical child abuse in institutional care settings like orphanages. Guardian Australia reported in January that survivors of abuse at Beaumaris primary school in the 1960s and 1970s were pushing for a formal apology by the state government.
The inquiry will also investigate the state’s education department knowledge and response to abuse. It said it would take its role seriously to discover “an explanation for any action and inaction in relation to child sexual abuse”.
Lawyer John Rule from Maurice Blackburn, who is handling several cases against the department on behalf of alleged Beaumaris victims, previously told Guardian Australia the department had developed a reputation for being “aggressive” in defending claims.
The opposition’s treasury spokesperson, Brad Rowswell, whose electorate of Sandringham takes in Beaumaris, has previously pushed for a state-wide parliamentary inquiry into the allegations of abuse in public schools.
The inquiry is due to report to the Andrews government by the end of February.
Match DetailsNPL 2 Victoria Round 2Brunswick City SC vs Western UnitedSaturday, 25 FebruaryKick-off: 1:00pm (Under 21’s), 3:00pm (Under 23’s)Dunstan Reserve, BrunswickLast time outDiogo Ferreira got off to the perfect start in his first game as a head coach, guiding Western United’s Under 23’s side to an opening round victory over Eastern Lions.The Green and Black was given a stern test in its first game after promotion to NP...
NPL 2 Victoria Round 2
Brunswick City SC vs Western United
Saturday, 25 February
Kick-off: 1:00pm (Under 21’s), 3:00pm (Under 23’s)
Dunstan Reserve, Brunswick
Diogo Ferreira got off to the perfect start in his first game as a head coach, guiding Western United’s Under 23’s side to an opening round victory over Eastern Lions.
The Green and Black was given a stern test in its first game after promotion to NPL 2, facing an Eastern side that was playing in Victoria’s top division last season.
United stood up to the test and began the game well with plenty of early chances on goal but had to wait until after half-time for the defining moment.
It came from debutant Matthew Grimaldi who finished a sweet counter-attack with a searing finish, and United was able to see out the remainder of the game to pick up three points.
That was followed up by an emphatic win for the Under 21’s as Vaughan Coveny’s team piled in nine goals at City Vista Pavilion and Sports Field.
Sebastian Lo Monaco and Luke Vickery both scored hat-tricks for United while Yani Nassis scored twice and Oliver Lavale completed the scoring.
The win got the Under 21’s off to a blistering start following on from what was a promising NPL 3 campaign in 2022, one which saw the team finish third on the table and play in the finals for the first time.
Brunswick City fought hard to keep their place in NPL 2 last season, going right down to the final day to avoid being drawn into a promotion/relegation playoff.
A 4-2 win against Goulburn Valley Suns in the last match of the season – who United would later dispatch of in the playoff – ensured the side remained in the division.
Brunswick opened their season last weekend with a 2-0 defeat to Dandenong City, with both goals coming within the final 10 minutes of the game.
Western United’s Junior Academy teams remained unbeaten last week, with all four sides winning their Round 3 matches.
The Under 18’s and Under 16’s both lead their respective leagues with three wins from three, while the Under 15’s and Under 14’s are both equal second on seven points.
United will meet Avondale FC in at Avenger Park in Round 4, as each team looks to continue that positive run of form in the grading section of the season.
Sunday, 26 February
Avondale FC vs Western United
Kick-off times: 9:30am (Under 14’s), 11:10am (Under 15’s), 1:00pm (Under 16’s), 3:00pm (Under 18’s)
Avenger Park, Parkville
After clinching an elusive premiership in 2021, the Demons suffered a straight sets exit last season.They might now just have the best one-two ruck punch the game has ever seen after luring Brodie Grundy across from Collingwood.How Grundy and Max Gawn split their ruck duties this season remains to be seen and is a massive watch heading into the season.Western Bulldogs duo Lachie Hunter and Josh Schache arrived during the trade period with the former likely to play a key role on the opposite wing to the hard-running Ed La...
After clinching an elusive premiership in 2021, the Demons suffered a straight sets exit last season.
They might now just have the best one-two ruck punch the game has ever seen after luring Brodie Grundy across from Collingwood.
How Grundy and Max Gawn split their ruck duties this season remains to be seen and is a massive watch heading into the season.
Western Bulldogs duo Lachie Hunter and Josh Schache arrived during the trade period with the former likely to play a key role on the opposite wing to the hard-running Ed Langdon in 2023.
They did lose young gun Luke Jackson to the Dockers, but obtained some valuable draft capital and trade currency that looks like it will keep them in the premiership window for several years.
With the likes of Clayton Oliver and Christian Petracca only going to get better, the Dees still have one of the best lists on paper and are primed for another premiership assault.
Sports journalist Dylan Bolch takes a look at some of Melbourne’s most SuperCoach relevant players.
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Getty Images Sport
FB: M. Hibberd, S. May, H. Petty
HB: C. Salem, J. Lever, A. Brayshaw
C: E. Langdon, C. Oliver, L. Hunter
HF: K. Pickett, T. McDonald, A. Neal-Bullen
FF: B. Fritsch, B. Brown, M. Gawn
FOL: B. Grundy, C. Petracca, J. Viney
INT: J. Harmes, T. Sparrow, C. Spargo, J. van Rooyen
SUB: T. Rivers
EMG: J. Bowey, J. Jordon, J. Schache, K. Chandler
Getty Images Sport
Ins: Brodie Grundy (Collingwood), Lachie Hunter (Western Bulldogs), Josh Schache (Western Bulldogs), Matthew Jefferson, Jed Adams, Kyah Farris-White, Oliver Sestan, Kye Turner, Will Verrall
Outs: Oskar Baker (delisted), Toby Bedford (GWS), Mitch Brown (retired), Majak Daw (retired), Jayden Hunt (West Coast), Luke Jackson (Fremantle), Fraser Rosman (delisted), Sam Weideman (Essendon)
We’ve linked up with Betr for the 2023 footy season! Each week of the AFL season we’ll be delivering our SC Playbook unique market, to kick things off, we’re starting with a futures multi around Lions draftee Will Ashcroft to win AFL rising star into 10+ Brownlow Medal votes at $11! FOLLOW HERE
Clayton Oliver (MID, $699,800)
Was this ever going to be anyone else?
Clayton Oliver has become a certified SuperCoach beast throughout his career and is showing no signs of slowing down any time soon.
He’s had six 109+ average seasons in a row and is just getting better and better.
Last season he had the second highest SuperCoach average across the competition with a whopping 127.1 points per game, which included 17 scores of 112+. This makes him a fantastic captaincy option as well.
There were rumblings of a troublesome finger injury throughout the pre-season, but if his performance in the practice match against the Saints last week is anything to go by, it shouldn’t affect his output too seriously, if at all.
The only other concern is his extremely high price tag, can you afford to pick him up at some point in the season for a cheaper price? Possibly, but his scoring at the start could put you well and truly on the back foot.
Getty Images Sport
Lachie Hunter (MID, $392,100)
Sitting in just 1.7% of sides, should we be talking more about the former Bulldog?
Lachie Hunter produced an eye-catching performance against St Kilda last week and a fresh change of scenery might be exactly what he needs.
The appeal here is that he has the scoring pedigree.
Hunter has season high averages of 115.1 in 2020 and 102.3 in 2018 under his belt, which shows that in the right environment, he can be a solid contributor.
In that 2020 year, he ranked 12th for SuperCoach points throughout the entire competition.
The Demons play a SuperCoach friendly gamestyle, but how much of the SuperCoach pie he can obtain playing alongside the likes of Oliver, Petracca, Gawn, Grundy and Jack Viney is cause for concern.
There is also the fact that Jacob Hopper, Finn Callaghan and Dom Sheed are other mid-priced options in the midfield.
All things considered, he is most likely a SuperCoach Draft option, rather than Classic.
Jacob van Rooyen (FWD, $123,900)
Word out of Melbourne is that Jacob van Rooyen has had a really strong pre-season and is a chance of a round one debut.
Melbourne development coach Mark Williams said that van Rooyen “played really well at the end of last year and was within a whisker of getting a game.”
“We expect him to have an opportunity at the start of the year,” said Williams.
However, he only entered Melbourne’s unofficial practice match against St Kilda at half-time and received limited opportunities, which is concerning.
As a key position player, don’t expect van Rooyen to score overly well even if he is in the best 22 at Melbourne, it’s more likely that he is a F7/F8 slow burn.
Pending Christian Salem’s fitness, Judd McVee (DEF/MID, $123,900) could come into the frame.
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Christian Salem (DEF, $390,400)
Many SuperCoachers were considering Salem as a mid-price option coming into the season but a thyroid issue a few weeks ago put that possibility to bed.
The defender has battled a similar problem previously and it affects his blood pressure, heart rate and body temperature. He’s since been placed on a modified training program but the severity of the issue means he needs to be crossed off your watchlist.
Salem averaged 94.5 points per game in 2021, including ten 100+ scores, and loomed as a nice steppingstone to an ultra-premium in defence.