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 DANMONCKS CORNER, S.C. (WCBD) — Over 30 animals suffering in extreme temperatures and living in “deplorable conditions” were seized over the weekend from an abandoned metal trailer in Moncks Corner.According to H.O.P.E. Acres Rescue, who took the animals in, the trailer was in the parking lot of the Tractor Supply store.The animals were described as “covered in muck, their own feces, extremely dehydrated, malnourished, and each with their own medical ailments.”For breaking news sent str...
MONCKS CORNER, S.C. (WCBD) — Over 30 animals suffering in extreme temperatures and living in “deplorable conditions” were seized over the weekend from an abandoned metal trailer in Moncks Corner.
According to H.O.P.E. Acres Rescue, who took the animals in, the trailer was in the parking lot of the Tractor Supply store.
The animals were described as “covered in muck, their own feces, extremely dehydrated, malnourished, and each with their own medical ailments.”
For breaking news sent straight to your inbox >> sign up for QCN Breaking Alerts here.
The owner of the trailer, Justin Culley, received a citation for inhumane care and treatment of animals, according to the Berkeley County Sheriff’s Office.
More than 20 additional animals were found on Culley’s property, also living in deplorable conditions.
H.O.P.E. Acres Rescue currently has the following animals in their care:
Culley is listed as the owner of Culley Farms Mobile Petting Zoo & Events.
The business released the following statement on social media Wednesday night, calling the allegations false and inaccurate:
“By now surely everyone has heard about the incident with our animals. The news is spreading defamation and inaccurate claims. Nothing wrong was done. Our business is being blasted and our name is being run in the dirt and nobody even knows the situation. We do not abuse our animals, we love our animals with all our heart. Anyone who knows us and sees us regularly knows the care, compassion and effort we put into our animals. They are clean with shiny coats, well fed and are met with love and joy by everyone around them. We are heart broken because of what has occurred. All of our animals are treated as if they were our children. We take pride in our animals and enjoy sharing the joy of animals with our customers and anyone else who would take the time to spend with them at any event we attend. The news has made outrageous claims that our animals were abandoned, malnourished and covered in feces. None of this is true and those who know us know this to be false claims. The situation was twisted and manipulated to make it seem as if we are abusive and neglectful. We simply had a flat tire on the trailer, plain and simple. The trailer was backed into the shade, jacked up with the tire off and disconnected at tractor supply where I felt they would be safe so that I could run around the corner to Mavis tire. The tire was mounted, balanced and I returned back to the trailer to a nightmarish scene. The animals were not seized, I voluntarily released the animals into their care under a temporary release. They also only took a portion of the animals, leaving us with many of our animals ranging from rabbits and pigs to ducks and chickens along with all of our domestic animals. Do you think they would leave us with any animals if we were so unfit? You can see from pictures of our animals exactly how well kept and healthy they are, with the exception of the horse who was given to us in even worse condition. We have had her a short period of time and has been on weight gainer for the last month. We want nothing but the best for our animals but also want to cooperate with the local enforcement. Our animals will be released back to us. We take pride in what we do, we love what we do and we love our animals with every ounce of our being. We have bonds with our animals that half of you would never understand. We spend more money every week feeding each of them than most people even earn in a week. We devote all of our time and efforts into providing the best environment we possibly can. I know every animals name, their personality their demeanor and could tell you every detail about every single one of them. We would never knowingly gamble with their lives or jeopardize their well being.”
Editor’s note: This story is breaking and will be updated.
MONCKS CORNER, S.C. (WCIV) — Kay Beilstein, who has been living along Merrimack Boulevard since 2017, sees the construction of new townhomes right next door to her for about a year now - and is afraid of what they could possibly bring to her front yard."Because we live in the Lowcountry, we get a lot of rain," she said. "There's a lot of flooding in some areas and (when) these neighborhoods get built, they don't really take into consideration where that water is going to go."Read more: ...
MONCKS CORNER, S.C. (WCIV) — Kay Beilstein, who has been living along Merrimack Boulevard since 2017, sees the construction of new townhomes right next door to her for about a year now - and is afraid of what they could possibly bring to her front yard.
"Because we live in the Lowcountry, we get a lot of rain," she said. "There's a lot of flooding in some areas and (when) these neighborhoods get built, they don't really take into consideration where that water is going to go."
Read more: Activists host Walk of Peace after shootings leave 2 teenagers dead days apart
Beilstein says when it has rained in the past, water comes on to the streets washing dirt on to the roads. She believes the new development won't help the problem.
"Right now, (the water is) going to go right on to my property and flood my garage and driveway," Beilstein said. "Hopefully, not the rest of my yard, but it depends on how much rain we're going to get."
In response to these concerns, Moncks Corner officials said, "In reviewing the plans, it appears that on-site and off-site stormwater concerns were adequately addressed."
Kay Beilstein, who has been living along Merrimack Boulevard since 2017, sees the construction of new townhomes right next door to her for about a year now - and is afraid of what they could possibly bring to her front yard. (WCIV)
The approved plans show the entire subject property will catch, detain, and release the drainage to the two ponds the property will have installed. This is accomplished with catch basins in the proposed roads, fine grading around the building pads, and underground pipes running from various points around the property, leading to the central and southern stormwater devices.
The vast majority of water from the site is designed to flow south (away from 119 Merrimack Blvd) to the central pond, then to the southern pond, before discharging at the southern edge of the property into an existing 45-foot drainage easement, according to the approved plans.
Read more: Cheers turn to screams during a softball team practice as shots are heard Thursday evening
Despite this new development coming, Beilstein hopes it won't change the area she loves.
"I'm not looking forward to it," she said. "I do really enjoy my neighbors and my home, but I feel like the town hasn't really taken into consideration that they're ruining our neighborhood for a little bit of money."
MONCKS CORNER, S.C. – (Friday, January 27, 2023) – There will be a community-wide job fair happening Wednesday, February 1 in the Assembly Room of the Berkeley County Administration Building, located at 1003 N. Highway 52 in Moncks Corner.The event will be open to Berkeley County high school students from 10 a.m. to 12 p.m. and the general public from 12 p.m. to 2 p.m.The event will provide opportunities for Berkeley County industries that are hirin...
MONCKS CORNER, S.C. – (Friday, January 27, 2023) – There will be a community-wide job fair happening Wednesday, February 1 in the Assembly Room of the Berkeley County Administration Building, located at 1003 N. Highway 52 in Moncks Corner.
The event will be open to Berkeley County high school students from 10 a.m. to 12 p.m. and the general public from 12 p.m. to 2 p.m.
The event will provide opportunities for Berkeley County industries that are hiring to connect with job-seeking residents and high school seniors. Employment opportunities in healthcare, manufacturing, law enforcement, hospitality, construction, information technology and other career fields will be represented. Berkeley County Government will also be on-hand to discuss its open positions.
Attendees are urged to bring an updated resume and come prepared to interview on the spot, if necessary.
For questions, please contact Berkeley County Human Resources at 843-719-4163.
###
-Prepared by the Berkeley County Public Information Office-
MONCKS CORNER, S.C. – (Friday, February 3, 2023) – Berkeley County received a ‘Clean Report’ or ‘Unmodified Opinion’ following a 2022 independent audit. The audit was presented to County Council on Monday, January 23, 2023 from the County’s outside auditors, Mauldin & Jenkins. Watch the full County Council meeting HERE.
“I’m pleased to say we do not have any audit findings to report to you on this year, meaning we noted no material weaknesses or sufficient deficiencies in the County’s internal controls in our audit. …Being one of the largest counties in South Carolina, you obviously have a significant amount of financial activity for which you have to account for. In addition, with all the new County standards and changes that are being implemented each year—and really just the complexity of all involved in the financial reporting process—it makes it all that more impressive to be able to present you all an audit with a clean opinion and no audit findings.” – David Irwin, CPA Partner, Mauldin & Jenkins
The report represents the best possible opinion the County can receive. The County has received this opinion several years in a row.
“Government has a fundamental responsibility to be effective stewards of the taxpayer’s money and this audit result reflects just that. A special thanks to my colleagues on County Council for their work throughout the budget process and most importantly to each and every Berkeley County employee for your daily efforts throughout the year. This TEAM effort allows us to continue to offer high level services while keeping our county government taxes the lowest in South Carolina.” -Berkeley County Supervisor Johnny Cribb
###
-Prepared by the Berkeley County Public Information Office-
MONCKS CORNER, S.C. (WCBD) – Over 30 animals suffering in extreme temperatures and living in “deplorable conditions” were seized over the weekend from an abandoned metal trailer in Moncks Corner.According to H.O.P.E. Acres Rescue, who took the animals in, the trailer was in the parking lot of the Tractor Supply store.The animals were described as “covered in muck, their own feces, extremely dehydrated, malnourished, and each with their own medical ailments.”The owner of the trailer, Justin C...
MONCKS CORNER, S.C. (WCBD) – Over 30 animals suffering in extreme temperatures and living in “deplorable conditions” were seized over the weekend from an abandoned metal trailer in Moncks Corner.
According to H.O.P.E. Acres Rescue, who took the animals in, the trailer was in the parking lot of the Tractor Supply store.
The animals were described as “covered in muck, their own feces, extremely dehydrated, malnourished, and each with their own medical ailments.”
The owner of the trailer, Justin Culley, received a citation for inhumane care and treatment of animals, according to the Berkeley County Sheriff’s Office.
More than 20 additional animals were found on Culley’s property, also living in deplorable conditions.
H.O.P.E. Acres Rescue currently has the following animals in their care:
Culley is listed as the owner of Culley Farms Mobile Petting Zoo & Events.
The business released the following statement on social media Wednesday night, calling the allegations false and inaccurate:
“By now surely everyone has heard about the incident with our animals. The news is spreading defamation and inaccurate claims. Nothing wrong was done. Our business is being blasted and our name is being run in the dirt and nobody even knows the situation. We do not abuse our animals, we love our animals with all our heart. Anyone who knows us and sees us regularly knows the care, compassion and effort we put into our animals. They are clean with shiny coats, well fed and are met with love and joy by everyone around them. We are heart broken because of what has occurred. All of our animals are treated as if they were our children. We take pride in our animals and enjoy sharing the joy of animals with our customers and anyone else who would take the time to spend with them at any event we attend. The news has made outrageous claims that our animals were abandoned, malnourished and covered in feces. None of this is true and those who know us know this to be false claims. The situation was twisted and manipulated to make it seem as if we are abusive and neglectful. We simply had a flat tire on the trailer, plain and simple. The trailer was backed into the shade, jacked up with the tire off and disconnected at tractor supply where I felt they would be safe so that I could run around the corner to Mavis tire. The tire was mounted, balanced and I returned back to the trailer to a nightmarish scene. The animals were not seized, I voluntarily released the animals into their care under a temporary release. They also only took a portion of the animals, leaving us with many of our animals ranging from rabbits and pigs to ducks and chickens along with all of our domestic animals. Do you think they would leave us with any animals if we were so unfit? You can see from pictures of our animals exactly how well kept and healthy they are, with the exception of the horse who was given to us in even worse condition. We have had her a short period of time and has been on weight gainer for the last month. We want nothing but the best for our animals but also want to cooperate with the local enforcement. Our animals will be released back to us. We take pride in what we do, we love what we do and we love our animals with every ounce of our being. We have bonds with our animals that half of you would never understand. We spend more money every week feeding each of them than most people even earn in a week. We devote all of our time and efforts into providing the best environment we possibly can. I know every animals name, their personality their demeanor and could tell you every detail about every single one of them. We would never knowingly gamble with their lives or jeopardize their well being.”
Editor’s note: This story is breaking and will be updated.
CHARLESTON, S.C. (WCIV) — Lacey Park in Moncks Corner is considered a staple for the town, a place where parents can bring their kids and relax. Over the years neighbors said the park has been neglected and there have been no efforts to fix it."Right now If you go to Lacey Park the swings is about all you have," said longtime Moncks...
CHARLESTON, S.C. (WCIV) — Lacey Park in Moncks Corner is considered a staple for the town, a place where parents can bring their kids and relax. Over the years neighbors said the park has been neglected and there have been no efforts to fix it.
"Right now If you go to Lacey Park the swings is about all you have," said longtime Moncks Corner resident Thomas Hamilton. "I’m telling you a lot of these moms who want to bring their kids they won’t go there and it needs to be cleaned up."
Moncks Corner Lacey Park News 4. (WCIV, June 27, 2023).
Hamilton has been fighting for many years to revive one of his favorite parks. He described the playground's equipment as old and uncared for and he blames town leaders for neglecting the park.
"I have been pushing for new tennis courts, pickle ball courts, flash pads for the kids, and eventually a Rex center for Moncks Corner," continued Hamilton. "It seems like the town of Moncks Corner all they want to do is put time and money and effort into the ball field and to that Rex center up there and the rest of the parks get neglected."
Read more: Multigenerational family emotionally moved by International African American Museum opening.
Recently town leaders passed a 15 percent tax increase and Hamilton believes some of the money should go towards the park's revitalization.
"We should be getting more tax revenue and I just feel like the city council and the mayor and the town administrator needs to be looking at these parks and start asking what can we do for the residents," said Hamilton.
News 4 reached out to Moncks Corner Officials and asked if Lacey Park would get attention anytime soon, and in a response they said: "The Town of Moncks Corner began developing a Parks Master Plan last year to evaluate our parks and help establish priorities for refurbishing our existing facilities. We were also able to identify what recreation needs are not being met. This study was based on a comprehensive survey sent out to our residents, which showed support to improve some of our older parks, increase funding, as well as add new facilities."
The spokesperson from the town continued: "The study is expected to be completed in the next two months and will provide Town Council with specific recommendations and prioritizations for all the parks. In the meantime, Town staff has been working to maintain the existing facilities but has, at times, been challenged with long lead times in getting replacement parts. If anyone sees anything that seems unsafe with any of our facilities, we ask that they contact us at 843-719-7900, so we can address it as soon as possible. Improving our older parks, including Lacey Park, has been, and continues to be a Town priority. We look forward to accomplishing it with the support of our residents. "