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 Moncks Corner, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Moncks Corner'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 Moncks Corner, 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 Moncks Corner, 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 Moncks Corner, 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 Moncks Corner, 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 Moncks Corner, 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 Moncks Corner loves Classic Home Mortgage.After hours by appointment only. CONTACT DAN
MONCKS CORNER, S.C. (WCSC) - The Berkeley County Family YMCA is closing its doors after nearly 30 years.The YMCA of Greater Charleston sent a notice out to members on Jan. 30. The email cited the building as being “in need of substantial improvement.” The notice says the YMCA cannot provide that work and the efforts to operate in Berkeley County have “seriously challenged the financial capabilities” of the local YMCA.Therefore, the YMCA of Greater Charleston Board of Directors and staff management have d...
MONCKS CORNER, S.C. (WCSC) - The Berkeley County Family YMCA is closing its doors after nearly 30 years.
The YMCA of Greater Charleston sent a notice out to members on Jan. 30. The email cited the building as being “in need of substantial improvement.” The notice says the YMCA cannot provide that work and the efforts to operate in Berkeley County have “seriously challenged the financial capabilities” of the local YMCA.
Therefore, the YMCA of Greater Charleston Board of Directors and staff management have decided to close and sell the 210 Rembert C. Dennis Blvd. location in Moncks Corner.
President and CEO of the Charleston area operations, Paul Stoney, signed the email notification.
Stoney says the building was costing more than $100,000 a year to keep its doors open and still needed costly repairs, like a potentially $300,000 new roof. When the building is officially sold and closed, members are invited to use the Cane Bay location, and participate in continuing leagues and services.
“Physically, that YMCA does not meet the expectations of a YMCA, it is rapidly deteriorating,” Stoney says.
Stoney says the decision was based on being a good steward of community money, and the facility didn’t make sense anymore. But he says there are future options to collaborate with the help of land donations or developer deals.
“And as it relates to developers, if they’re able to, and it makes good business sense, then we would love to maintain a new presence in that community with a new facility. So that is being taken into consideration,” Stoney said.
The notice says all current members will be grandfathered in to the YMCA facility in Cane Bay, which is about a 20-minute drive across the county. The membership will last one year from the closing date of the Moncks Corner location, which has not been announced.
Kenneth Owens, a member since 1998, says he will miss the location.
“I’m sad it’s closing down because I’ve always enjoyed the people I work out with and the people who run the facility here are very nice people. But going to Cane Bay isn’t really going to be an option for me that’s a little bit further to travel,” Owens says.
The Cane Bay facility opened in April of 2019 and boasts 54,000-square-feet of new construction and assets.
Stoney says in the email that YMCA youth sports, fitness and programming will continue at satellite locations across the county and the non-profit will make every effort for current staff members to continue with the organization.
“Our programs, just like programs that we operate downtown, although we don’t have a physical presence, that is part of our service area. And we still operate programs downtown without having a physical presence. We intend to do the same thing in the Moncks Corner Berkeley County community,” Stoney says.
Stoney says he values the Moncks Corner members and is happy to field any question going forward with the process.
“This is part of a longer vision to continue to deliver a high caliber of programs throughout Charleston and Berkeley counties. And we take that very seriously. We also have to recognize when a facility is not up to our standards, and yes, tough decisions need to be made,” Stoney says.
Copyright 2023 WCSC. All rights reserved.
A woman has shared how her rescue dog saved her life by alerting others to her medical emergency.Keena Pratt, 51, from Moncks Corner, South Carolina, adopted Auggie the mix breed in November 2020.While visiting family over the Christmas holiday just four weeks later, Pratt woke up feeling nauseous and went to the bathroom, where things went from bad to worse."I went to use the bathroom and began to feel worse," Pratt told Newsweek. "As I sat on the toilet, I put my head on the counter. I kept goin...
A woman has shared how her rescue dog saved her life by alerting others to her medical emergency.
Keena Pratt, 51, from Moncks Corner, South Carolina, adopted Auggie the mix breed in November 2020.
While visiting family over the Christmas holiday just four weeks later, Pratt woke up feeling nauseous and went to the bathroom, where things went from bad to worse.
"I went to use the bathroom and began to feel worse," Pratt told Newsweek. "As I sat on the toilet, I put my head on the counter. I kept going in and out of what I thought was sleep. In one of the 'awake' moments, I believe I saw Auggie but he left pretty quickly."
Auggie had followed his owner into the bathroom and immediately made his way to Pratt's husband, who described that the pet started acting "off" and led him to her.
"At first, my husband thought I might be having low sugar, so he tried to get me to drink a regular soda, which I remembered I pushed away. My husband told me later that I said, 'I need help.' At that point, my husband called 911," said Pratt.
Paramedics arrived at the house and took her into the ambulance to be transported to the hospital.
"I do not remember the ride, and the time in the ER is vague. All this happened early morning, but I did not come around until about 1 or 2 p.m.," explained Pratt. "The attending physician said I had dangerously low electrolytes and a UTI [urinary tract infection] that I did not realize. I was in the hospital for three days."
The American Kennel Club (AKC) says that our canines can tell if we're not feeling well. Particularly attuned to scents and sounds, dogs are often known to smell illness in their humans.
With a complex cocktail of chemicals in the human body, we have a particular odor that our dogs are familiar with—and any changes that may occur with illness are also easily detected by canines. For example, diabetic alert dogs can tell when their owner's blood glucose level is off because of the changes in exhaled breath.
Dogs also pay close attention to our behavior. They can tell when their human is acting out of the ordinary, right down to body-language changes. If you're usually active and ready to go and instead spend the day curled up on the couch, then your dog can tell that something isn't right.
"I absolutely believe that Auggie sensed that something was wrong," said Pratt. "I cannot imagine what would have happened if he had not alerted by husband."
Pratt now sees a urologist to stay ahead of any further UTI, and said that the incident has only increased the family's love for Auggie the dog.
"It solidified our love for him. Yes, he still tries to protect me even to a fault. After this incident, he became even more reactive to people that come near me. We are working with a trainer to try to re-establish who the leader is in the family," she explained.
"My favorite thing about Auggie is how affectionate he is with my husband and me. He is a member of our family, and we wouldn't trade him for the world."
Do you have funny and adorable videos or pictures of your pet you want to share? Send them to firstname.lastname@example.org with some details about your best friend, and they could appear in our Pet of the Week lineup.
When an elderly pizza delivery driver tripped and fell on a family’s front patio, the couple rushed to her aid. Saddened that the 73-year-old was still working to support herself, they went the extra mile and kick-started a fundraiser to help the woman.Lacey, 33, and her husband Kevin Keighron, 34, are both first responders who live in Moncks Corner, South Caro...
When an elderly pizza delivery driver tripped and fell on a family’s front patio, the couple rushed to her aid. Saddened that the 73-year-old was still working to support herself, they went the extra mile and kick-started a fundraiser to help the woman.
Lacey, 33, and her husband Kevin Keighron, 34, are both first responders who live in Moncks Corner, South Carolina, with their five children aged 2 to 12. The whole family was looking forward to Domino’s pizza on Feb. 2 when 73-year-old great-grandmother, Barbara Gillespie, showed up at their door.
Laden with food boxes, Gillespie lost her footing.
“On the video, it looks like she kinda stubbed her foot on the edge of the patio,” Lacey told The Epoch Times. “She didn’t lift her foot up enough, and [being] elderly, it’s really hard to even catch yourself after something like that. She took a pretty hard fall on the patio.”
Kevin was already on his way to collect the pizza when Gillespie fell as he’d received a notification on the app. He rushed to her aid—as a first responder, he knew to stand close but allow Gillespie to take the lead in steadying herself—while Lacey came downstairs to check what happened.
The three eldest children saw Gillespie’s fall on the doorbell camera and were very concerned. “Our kids don’t like seeing anyone get hurt,” Lacey said. “Our four-year-old was extremely concerned she asked about her every day.”
After making sure Gillespie was okay and seeing her off, Lacey and Kevin got to thinking. They found out that Gillespie is technically retired, on social security benefits, but still has to work to make ends meet.
Lacey said: “My husband’s dad and my dad both have recently passed away from cancer … the sad fact is that both of them worked up until shortly before they passed away … so when we saw this happen [to] Barbara, it just really resonated with us.”
The mother of five posted the doorbell camera footage on TikTok and started a GoFundMe page. She said: “I only had a couple of friends on TikTok, so I thought maybe we’d share it around to our friends and get a couple of donations.”
Lacey had hoped to raise enough money so that Gillespie could get “a couple of days off work.” However, within hours, the fund had raised $50,000. At the time of writing, it has raised over $240,000.
The day after Gillespie’s fall, the Keighrons went to the Domino’s eatery where she works, bearing gifts, to share the amazing news with her.
Lacey said: “[Our kids] were so worried about her, and when I told them that we were going to give her flowers and candy as a surprise, they were so excited; they had to hold the flowers, they had to hold the candy!”
Gillespie had suffered from knee pain and some scrapes on her right knee and elbow. According to Newsflare, Domino’s awarded Gillespie with their Employee of the Year award in recognition of her efforts, and, on becoming aware of the Keighrons’ mammoth fundraiser, she was lost for words.
Lacey shared footage and told The Epoch Times: “We posted a video of her reaction for the first $50,000, and she was honestly just speechless … we just let her know it was okay not to have the words, we weren’t looking for some huge reaction, but she’s so beyond thankful.”
The reaction that Kacey has received has been mostly positive.
“Ninety-nine percent of everyone who has watched it and commented has been so kind,” Lacey said. “There is that one percent that’s given us a little bit of grief, a little bit of harassment, accused us of being scammers, or of Barbara being my husband’s aunt or my mom … none of that is true, we have never met Barbara before.”
Lacey even shared her family’s Domino’s order and the receipts online in response to the accusations, however, she’s now decided to focus on the positive, saying, “For that one percent I just delete and even block the people, because we don’t want that interrupting our peace and the kindness that this has brought.”
Lacey and Kevin have since invited Gillespie to their house for a live TikTok Q&A with their followers. The grateful great-grandmother was happy to answer questions on how she was doing and if she was planning to retire soon.
For Lacey, the experience has reminded her that no matter how much suffering we see, there is always good in this world if we look for it. She hopes others play their part in looking out for the elderly.
“A lot of times they do have kids, and they do have family … but they don’t have the same sense of security as other generations did on retirement because of the way that our economy is changing,” Lacey said. “So look out for your elderly, help them carry something to a door, help them pay for a meal if you can. Tell them that you’re thinking about them, whatever it may be, but just look out for people.”
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MONCKS CORNER, S.C. (WCSC) - For the first time in seven years, homeowners and landowners in Moncks Corner will see a 15 percent property tax increase starting on October 1.At the Moncks Corner Town Council meeting Thursday evening, the vote for a new budget was passed unanimously with only one member of the public providing input.The economy, fuel prices and labor costs are all contributing factors according to Mayor Michael Lockliear, but the main reason for the increase is to afford and pay public employees.“Ret...
MONCKS CORNER, S.C. (WCSC) - For the first time in seven years, homeowners and landowners in Moncks Corner will see a 15 percent property tax increase starting on October 1.
At the Moncks Corner Town Council meeting Thursday evening, the vote for a new budget was passed unanimously with only one member of the public providing input.
The economy, fuel prices and labor costs are all contributing factors according to Mayor Michael Lockliear, but the main reason for the increase is to afford and pay public employees.
“Retention has been very tough over the last year keeping employees,” Lockliear said. “Since other people are paying more around us, we had to step up and do the same thing.”
The tax hike means a homeowner with a property valued at $250,000 will have to pay $100 more per year on property taxes. Statistically, it is normal to increase taxes by about two-percent each year.
Berkeley County Sheriff’s Office Special Prosecutor Tyler Jenkins was the only one who asked a question during the public input portion of the meeting.
“My real question as far as the millage rate, 15 percent in one year seems like a pretty high number,” Jenkins said. “Was there any discussion about why that wasn’t incrementally put into place?”
In response, Lockliear said this is the first time in seven years that the city has had to increase property tax, which he is very proud of.
“We did it so we wouldn’t have to come back in two years and do it again,” Lockliear said. “As a resident of Moncks Corner, I’d much rather be taxed one time now and then another time in 10 years or so, but not every two years.”
Every year, the city government meets for a budget workshop where they go through the department by department and cut what is needed for a balanced budget. This year, Lockliear said they were short about $325,000 with the more expensive costs coming from health care and retirement benefits to public employees
“With that being done, it put a big dent in our budget,” Lockliear said. “That’s why the millage increase came and hopefully it will take us through the next six to seven-eight years.”
The new budget takes place from Oct. 1, 2022, until Sept. 30, 2023. Operating revenues will increase from $12,417,159 to $15,622,744 and operating expenditures will increase from $14,151,802 to $15,363,175.
Copyright 2022 WCSC. All rights reserved.
UPDATE: After our report on Wednesday, DHEC reached out to News 2 letting us know they have approved the water permit, so the store can begin the process of opening. DETAILS HERE.MONCKS CORNER, S.C. (WCBD) – People living in Moncks Corner have been long awaiting the opening of a new Publix shopping center. While the grocery store appears to be ready to open, many ...
UPDATE: After our report on Wednesday, DHEC reached out to News 2 letting us know they have approved the water permit, so the store can begin the process of opening. DETAILS HERE.
MONCKS CORNER, S.C. (WCBD) – People living in Moncks Corner have been long awaiting the opening of a new Publix shopping center. While the grocery store appears to be ready to open, many are now wondering “what is the holdup?”
“If you live in the area, you are excited about the store coming in. What we’re not excited about is how long it’s taking for it to open,” said Robert Esclavon, who stops by the center occasionally to see its progress.
The 75,000 square-foot Publix at the new Moncks Corner Marketplace was announced about two years ago. Today, things basically look finished – there are grocery carts inside, fixtures in place, and shelves waiting to be stocked. But still, the store sits unopened.
Based on a January 2021 press release, the shopping center was slated for completion in June 2022, with Publix expected to open in fall 2022.
“The few people I run into say it looks like it could be mid-September before it opens. I don’t know if they know what they’re talking about, but for a store that’s complete – except for product on the shelves – it makes you wonder what’s holding it up,” said Esclavon.
Esclavon reached out to News 2 to find out what is going on. Leaders with the Town of Moncks Corner said they are waiting on final approval from the South Carolina Department of Health and Environmental Control.
“Right now, we are just waiting on DHEC to approve the water supply system over there. All the engineering has been done- the water is clear, it’s just a matter of getting everything signed off on the state DHEC office and they’ll be able to start moving in people and supplies,” explained Douglas Polen, Moncks Corner Community Development Director.
One person, who was familiar with the construction project, said they had to wait a few weeks for Berkeley Water and Sanitation to get their water meters installed. That process is now complete, and they have been waiting on DHEC for the past week and a half.
Officials with DHEC tell News 2 they are going to see what they can do to expedite the rest of the approval process so the store can finally open for business.
Esclavon said that is why he called us for help.
“Just having you guys, like you guys research it a little bit and maybe you push them along to have this project move up … they’re ready to go, I think,” he said.
Moncks Corner officials said once DHEC gives its final approval, Publix could open in as little as three to four weeks.