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Dan Crance: Your Mortgage Man | 134 E Richardson Ave Summerville SC 29483

With 30 years in the industry

Mortgage Broker in Moncks Corner, 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 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.

Service Areas
Classic Home Mortgage Providing Trustworthy Mortgage Guidance for Over 30 Year
Classic Home Mortgage Providing Trustworthy Mortgage Guidance for Over 30 Year

Why Choose Dan Crance As Your Mortgage Lender in Moncks Corner, 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.

Why Choose Dan Crance As Your Mortgage Lender

Home Financing in Moncks Corner, 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 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.

Home Financing

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 Moncks Corner, SC.

Refinancing 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.

Here are just a few reasons why more homeowners in the U.S. are taking advantage of lower rates and refinancing their homes:
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.

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 Moncks Corner, 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 Moncks Corner 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.

Trust Dan Crance

Your Mortgage Lender in Moncks Corner, 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 Moncks Corner loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

Latest News in Moncks Corner

Parker’s Kitchen Opens Location in Moncks Corner, S.C.

The new location offers grab-and-go options as well as a hot bar, a complete menu of breakfast offerings and gourmet coffee.Parker’s — CStore Decisions’ 2020 Convenience Store Chain of the Year — recently opened a new Parker’s Kitchen at 106 Foxbank Plantation Road in Moncks Corner, S.C. Strategically positioned near S.C. Hwy. 52 just north of Goose Creek, the new Parker’s Kitchen location offers a selection of the company&r...

The new location offers grab-and-go options as well as a hot bar, a complete menu of breakfast offerings and gourmet coffee.

Parker’s — CStore Decisions’ 2020 Convenience Store Chain of the Year — recently opened a new Parker’s Kitchen at 106 Foxbank Plantation Road in Moncks Corner, S.C. Strategically positioned near S.C. Hwy. 52 just north of Goose Creek, the new Parker’s Kitchen location offers a selection of the company’s award-winning, Southern-style, made-from-scratch food for breakfast, lunch and dinner.

Currently celebrating its 45th anniversary, Parker’s operates 29 retail stores in South Carolina and gives back to every community where stores are located through the company’s Fueling the Community program and the Parker’s Community Fund.

“We’re delighted to expand our presence north of Charleston, S.C. to meet the growing demand for Parker’s Kitchen food, fuel and other essential items,” said Parker’s Founder and CEO Greg Parker. “Our new location offers a handsome brick exterior, sleek interior design, great visibility and easy access for customers in Moncks Corner.”

The newest Parker’s Kitchen in Moncks Corner offers popular grab-and-go options as well as a hot bar with signature items like never-frozen, antibiotic-free and double-breaded Southern Fried Chicken Tenders; savory mac ‘n’ cheese; and jalapeno cornbread. In addition, the store offers a complete menu of breakfast offerings, from egg casserole to sausage, egg and cheese biscuits. Gourmet coffee, freshly brewed sweet tea, lemonade, 28-degree beer, fountain drinks with Chewy Ice and an assortment of convenience items are also available.

A wide range of Parker’s Kitchen items are prepared fresh on-site and are available seven days a week. The entire menu is handcrafted on-site from the freshest ingredients by Parker’s Kitchen chefs.

Headquartered in Savannah, Ga., Parker’s owns and operates 71 stores throughout coastal Georgia and South Carolina and is in the middle of a major expansion in the metro Charleston, S.C. market. The company has enjoyed steady 20-24% annual growth every year for the past 22 years and offers an acclaimed Parker’s Rewards program.

The Parker’s Rewards loyalty program, which includes more than 228,000 members, has saved customers more than $15 million to date. The company employs more than 1,200 individuals throughout South Carolina and Georgia and completes more than 125,000 transactions daily.

Moncks Corner flag returned after tour in Afghanistan

MONCKS CORNER, S.C. (WCIV) — The Moncks Corner Flag was returned to the mayor on Friday.The Flag was taken on a tour to Afghanistan and flown overseas by CW2 Brandon Jackson, who grew up in Moncks Corner and attended Berkeley County High School.“It was really cool to come back and say thank you to those who support us,” said Jackson who is with the South Carolina Army National Guard out of McEntire JNGB in Columbia, S.C.They flew the flag in style, with the Palmetto Dust Off crew in a Blackhawk UH-60L. ...

MONCKS CORNER, S.C. (WCIV) — The Moncks Corner Flag was returned to the mayor on Friday.

The Flag was taken on a tour to Afghanistan and flown overseas by CW2 Brandon Jackson, who grew up in Moncks Corner and attended Berkeley County High School.

“It was really cool to come back and say thank you to those who support us,” said Jackson who is with the South Carolina Army National Guard out of McEntire JNGB in Columbia, S.C.

They flew the flag in style, with the Palmetto Dust Off crew in a Blackhawk UH-60L. The helicopter landed at Moncks Corner Regional Recreational complex. SPC Richard Walls, who is also from Moncks Corner was part of the crew.

“When we started this off, we just trying to fly the flag to the airport in Moncks Corner but then to see the support and all the people that came out, it’s absolutely incredible,” said Jackson.

The flag was a constant reminder that they’re serving their small town.

“It reminds you why you’re over there. When you have long days, quiet nights, lonely nights, or even bad days, you look up and see it and you remember, that’s why I’m here,” said Jackson.

“It shows that small-town America supports us. It supports us in the role we do, while we’re over there thousands of miles away. Away from everything. That flag flew with us all over the place and at times it hung on our wall, and every day you come back in and you take a glance at it and you remember why,” said Jackson.

The flag will be displayed at the town hall. Those who attended the event today were able to meet the crew and get an up-close look at the helicopter.

“We had about half of the town here today which is great. That just shows you the support,” said Moncks Corner Mayor Michael Lockliear. “It’s great to have the Blackhawk land and for the young kids to get out and tour the black hawk and sit in it. You never know it might inspire a young kid to join the military.”

‘Everybody calls me Momma’ Moncks Corner Waffle House employee leaves lasting impression on customers

MONCKS CORNER, S.C. (WCBD) – An employee at a Waffle House in Moncks Corner, who affectionately goes by the name Momma, is making a difference in people’s lives.Miranda Sheltra stopped by the restaurant to have dinner with her family after soccer practice last week when they met Momma and were very impressed with her service.“My youngest son is very outgoing, he doesn’t meet a stranger,” she said. “So, they just chitchatted, and she brought out these coloring books. She was like, ‘color...

MONCKS CORNER, S.C. (WCBD) – An employee at a Waffle House in Moncks Corner, who affectionately goes by the name Momma, is making a difference in people’s lives.

Miranda Sheltra stopped by the restaurant to have dinner with her family after soccer practice last week when they met Momma and were very impressed with her service.

“My youngest son is very outgoing, he doesn’t meet a stranger,” she said. “So, they just chitchatted, and she brought out these coloring books. She was like, ‘color me a picture so I can hang it on my refrigerator with the rest of them.’ I think she buys these coloring books herself.”

Beverly Jones is better known by the name on her tag, “Momma.” She’s been with the Moncks Corner Waffle House for many years. “Everybody calls me Momma; I was raised here; everybody knows me as Momma – either call me momma or auntie,” she said.

When it comes to the coloring books, Momma said, “I usually do that for the kids so they can (do something) while the foods getting ready, so their parents can enjoy their meal, too, and they just love it”

Miranda took some photos of her kids with Momma following their dinner last week and shared them in the Berkeley County Growth & Development Facebook group.

“That was an exceptional experience that made me post that, and I thought to myself, ‘I can’t be the only one person that has experienced this, so I’m gonna share it.”

The post has gone viral with more than 2,600 likes, 300 comments, and close to 430 shares.

Many people have been commenting on their similar experiences with Momma.

“I get all my blessings from God,” she said. “I don’t have a problem with that. It’s just like I said, my parents raised me to do unto others as you want others to do unto you. I treat people like I want to be treated.”

Miranda says Momma feels like family. “She feels like family. All waitresses, or most of them, are friendly, but she took it to a different level, and I can see why her name tag says Momma.”

Momma says it was just the way she was brought up. “That’s the way I was raised, honey. That’s the way I was raised. I don’t meet a stranger,” she said.

You can see the original post by clicking here.

Vaccinated woman recovers from COVID scare after monoclonal antibody treatment

NORTH CHARLESTON, S.C. (WCSC) - Trident Medical Center is predicting they have avoided about 200 to 250 potential hospitalizations with monoclonal antibody infusions out of about 1,200 infusions since last November.Donna Livernois says she got the Johnson & Johnson vaccine a few months ago. She is 65 years old, has asthma, and Type-2 diabetes. She tested positive for COVID two weeks ago.“If anybody was going to end up in the hospital it would be somebody like me,” Livernois said.She said she was wheezing,...

NORTH CHARLESTON, S.C. (WCSC) - Trident Medical Center is predicting they have avoided about 200 to 250 potential hospitalizations with monoclonal antibody infusions out of about 1,200 infusions since last November.

Donna Livernois says she got the Johnson & Johnson vaccine a few months ago. She is 65 years old, has asthma, and Type-2 diabetes. She tested positive for COVID two weeks ago.

“If anybody was going to end up in the hospital it would be somebody like me,” Livernois said.

She said she was wheezing, had a runny nose, lost her taste and smell, and had covid fog brain. The Taylors woman says after not being able to find monoclonal antibody treatment in her area, her daughter, who lives in Moncks Corner, helped her find that Trident Medical Center was offering the treatment.

She received the treatments on Sept. 30, just two days after testing positive. She says the next morning, she already noticed significant improvements.

“Got up the next morning, I was barely wheezing,” Livernois said. “It was like night and day compared to the way I got down there.”

She says she was a little surprised after testing positive because she was vaccinated.

Trident Medical Center Chief Medical Officer Dr. Lee Biggs says because of her other risk factors, her vaccination status did not play a factor in determining whether or not she could receive the monoclonal antibody treatment.

“It really doesn’t. I mean what we’ve seen with COVID infections and the vaccine is one, you should be less susceptible, but if you do get COVID and you’ve been vaccinated, your disease course should be less severe and shorter,” Biggs said. “But, with an overlay of age or preexisting medical conditions, you’re still at risk. So the vaccine status doesn’t play into whether or not you should get monoclonal antibodies.”

He says the goal of monoclonal antibody treatment is to prevent people at risk of being admitted into the hospital from having to go.

The infusion process takes about 45 minutes, and then patients are monitored for about an hour after, and then they can go home.

“I’m still a little old and creeky, but that’s what’s expected,” Livernois said. “I’m normal and I can talk to you and I have energy and I never went back to the hospital. That was the blessing part.”

The South Carolina Department of Health and Environmental Control has a full list of medical practices and primary care providers who administer monoclonal antibody treatment.

Biggs says Trident closed its monoclonal antibody clinic last week based on declining referral volumes, but patients qualifying for the treatment can refer themselves to different medical practices and primary care providers.

Copyright 2021 WCSC. All rights reserved.

Get Ready for Fall with HVAC Maintenance Specialist Rudd Plumbing, Heating & Air

Moncks Corner, SC – As the fall beckons, the Rudd Plumbing, Heating & Air team has provided some timely advice to keep HVAC equipment in peak performance.During the autumn in Summerville, SC, the company advises that your HVAC maintenance is two-fold: you need to turn off and clean up the air conditioner, and you need to turn on and maintain the furnace for its upcoming season.While some tasks can be done, residential and business owners will probably need professional services provided by Rudd Plumbing, Heating &am...

Moncks Corner, SC – As the fall beckons, the Rudd Plumbing, Heating & Air team has provided some timely advice to keep HVAC equipment in peak performance.

During the autumn in Summerville, SC, the company advises that your HVAC maintenance is two-fold: you need to turn off and clean up the air conditioner, and you need to turn on and maintain the furnace for its upcoming season.

While some tasks can be done, residential and business owners will probably need professional services provided by Rudd Plumbing, Heating & Air to ensure HVAC units are running well.

Their top tips include turning the exterior unit's power off and using a brush to remove any visible debris, such as leaves, near the unit. Then unscrew the cage around the unit and use a vacuum to pull debris out of the unit.

Use a damp cloth to remove dust on any internal parts that can handle this. You can do the same with the fan fins or use your garden hose on a very low setting to remove the dust.

If any fan blades are bent out of shape, you can try to bend them back into place.

A company spokesman said there are a few other things you can do to keep your air conditioner in good condition. These include changing the air conditioner filter, trimming any landscape around the unit and leaving at least three feet of clearance on every side of the outdoor unit.

It is also recommended to cover the unit with its fabric cover. If the unit is old, then a new one may have to be bought as a replacement.

Maintaining your furnace is equally important and will reduce the odds of a breakdown during the winter if it is professionally maintained before you turn it on.

Don't ignore any noise or rattling from an HVAC unit, but if it persists, schedule a proper maintenance check with Rudd Plumbing, Heating & Air.

The company is the only Lowcountry Plumbing and HVAC company that credits the service call back on every call when you move forward with a repair.

"We also strive to deliver 5-star service by understanding your needs and wants, giving and explaining options for you to decide what you want to have done, and then completing the tasks in a quality, professional, and clean manner," commented the company official

Rudd Plumbing, Heating & Air provides outstanding sales and services to the Charleston/Tri-County area, including Summerville, Moncks Corner, Goose Creek, Charleston, Mt. Pleasant, North Charleston, Isle of Palms, and surrounding areas.

For more information about their HVAC Maintenance services or a complete profile of their services, call (843) 879-3818 or visit their website: https://www.ruddpros.com/.

CONTACT: Adam Flaherty Rudd Plumbing, Heating and Air 3447 S Live Oak Dr Moncks Corner, SC 29461 Phone: (843) 879-3818 Website: https://www.ruddpros.com/

Rudd Plumbing, Heating and Air is YOUR Neighborhood Cold Air and Hot Water Experts! We are a slightly different local Plumbing and HVAC company.

This release was published on openPR.

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