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 North Charleston, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - North Charleston'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 North Charleston, 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 North Charleston, 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 North Charleston, 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 North Charleston, 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 North Charleston, 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 North Charleston loves Classic Home Mortgage.After hours by appointment only. CONTACT DAN
A former NBA coach and local entrepreneur has begun work on a multiuse sports facility in North Charleston.Wesley Horne’s The Block, Dynamic Sports Team’s 20,000-square-foot facility, will be located at 2045 Meeting Street Road, according to a news release. The Block will be the first sports facility of its kind in the Southeast focused on youth travel sports teams, private coaching and more, the release stated.The Block, which will serve as Dynamic Sports Team’s new home base, will house two basketball courts...
A former NBA coach and local entrepreneur has begun work on a multiuse sports facility in North Charleston.
Wesley Horne’s The Block, Dynamic Sports Team’s 20,000-square-foot facility, will be located at 2045 Meeting Street Road, according to a news release. The Block will be the first sports facility of its kind in the Southeast focused on youth travel sports teams, private coaching and more, the release stated.
The Block, which will serve as Dynamic Sports Team’s new home base, will house two basketball courts, two volleyball courts, four pickle ball courts and a private coaches' lounge, the release stated. Other amenities will include a men’s and women’s locker room, coaches’ lounge, a scouting deck, strength and conditioning room, physical therapy and a yoga room.
“As someone who has worked in the world of basketball for more than 20 years on every level ranging from middle school to the best in the NBA, I know how to coach, train, mentor and improve both the individual and the team performance.” Horne said in the release. “There are many who claim to offer top tier travel competitions and leagues for youth sports programs, but The Block will quickly prove itself to be the premier regional headquarters that we’ve been missing — of that I am certain.”
Horne and The Block will begin hosting basketball and volleyball invitational tournaments for travel teams from Charleston to Indiana in spring 2024, the release stated. Private coaching by Horne and his staff at Dynamic Sports will be available year-round. Vendor space will be available at The Block for affiliated partners such as physical therapists, sports massage therapists, acupuncture, food trucks and more. The Block will also have exclusive sponsorship rights available to professional athletes and appropriate companies, according to the release.
With Charleston consistently serving as the top travel destination, Horne and his staff at The Block are excited to offer something new for those coming to town. They will focus on giving players the mentorship, expert coaching, and legitimate competition they need to guide them to the next level as players or in their professional career, the release stated.
Originally from the small town of Panola, Ala., Horne served served stints as an NCAA, NJCAA, and high school coach, according to the release. In 2007 he was hired by the Philadelphia 76ers as a statistical analyst. While there, Wesley worked under the guidance of legendary NBA Hall of Famer Harvey Pollack, who coined the phrase “triple double,” the release stated
After two years with the 76ers, Horne was recruited to California for work as a player development coach for the LA Lakers and Clippers affiliate Bakersfield Jam, working among NBA icons such as Kobe Bryant, Danny Green and Jeremy Lin, according to the release. While in Los Angeles, Horne also worked as a shooting instructor and personal trainer.
Over the past 11 years, Dynamic Sports has grown from one client in a middle school gym to more than 1,500 clients and a staff of six coaches, according to the release.
A state lawmaker is proposing a bill that would remove North Charleston from the Charleston County School District and create a new district.NORTH CHARLESTON, S.C. (WCSC) - A state lawmaker is proposing a bill that would remove North Charleston from the Charleston County School District and create a new district.District 113 Rep. Marvin Pendarvis filed the bill Wednesday afternoon, saying that needs are not being met in the city of North Charleston.“We’re here because we care about the quality of education in...
A state lawmaker is proposing a bill that would remove North Charleston from the Charleston County School District and create a new district.
NORTH CHARLESTON, S.C. (WCSC) - A state lawmaker is proposing a bill that would remove North Charleston from the Charleston County School District and create a new district.
District 113 Rep. Marvin Pendarvis filed the bill Wednesday afternoon, saying that needs are not being met in the city of North Charleston.
“We’re here because we care about the quality of education in our schools,” Pendarvis said. “We’re here because the city of North Charleston, there’s a number of underperforming schools that lie within the City of North Charleston. We’re here for good reason, and I hope through collaboration and continuing the conversation we’ll be able to get something done.”
State law lays out how school districts can be formed and broken up.
According to 59-17-20, only an act from the state legislature or by authorization of the county boards of education can break up a district. Even then, the boards of education still need to meet certain conditions.
In a statement from the office of Attorney General Alan Wilson those conditions are as follows:
In (b), both districts involved would have to have a petition signed by at least four-fifths of the registered voters in the district. In (c), the districts would need only one-third of the voters to sign a petition but would then also have to have a vote on it called by the county board of education.
Earlier in the day, North Charleston’s mayor confirmed the city is exploring what would be required to withdraw schools in the city from the Charleston County School District.
Mayor Keith Summey said on Wednesday morning North Charleston City Council will explore breaking away from the school district to create their own.
“I think council is concerned about the number of failing schools that we have and what we can do generate more opportunity for the kids coming up in North Charleston,” he said. “It’s not anything that’s in concrete. It’s something that we’re looking at the possibility of.”
The effort, he says, is in a research phase to determine if the idea of pulling schools from the Charleston County School District is feasible, adding it would not be a “fast-paced” project.
Summey said he believes the city contributes more than what they are getting from the school district. He said the majority of failing schools in the district are in North Charleston.
“A community, at the end of the day, is only as strong as the education we can provide for our children, and we just want to make sure that our kids are getting the top chance that they can to get that education,” he said.
Summey said his vision would be for the schools to become a department within the city. He says he believes it would ultimately take a voter referendum, likely in 2024, for the change to happen.
North Charleston Mayor Pro Tem Jerome Heyward said he does not see one member on council not standing behind mayor in support of this.
“The city of North Charleston has been left out of the equation,” Heyward said. “Academic wise, we suffered over here because 30 of our schools are failing. It’s time for us to fix our schools.”
Summey said he has not yet heard from the school district, adding he would like to sit down with them.
“We’re just interested in making sure that children in North Charleston have the same opportunities as children in the entire county to get the best possible education that they can, and that’s not to say that the school district is not making effort,” Summey said. “It’s saying we don’t believe that effort to date has been successful.”
Charleston County School Board Chair Pam McKinney says she has not heard a single word from Summey or the city since she took office. She claims she learned of the mayor’s plan from news coverage.
“CCSD is proud to serve students from every corner of Charleston County,” McKinney said. “It is a priority for the board to ensure every child has access to a high-quality education. North Charleston students deserve a great education and that is exactly what we are working to deliver.”
The Charleston County School District provided a response to the city’s plans, saying the proposal to withdraw would duplicate administrative costs and result in less funding per pupil.
Mayor Keith Summey’s proposal to withdraw North Charleston schools from the Charleston County School District (CCSD) and instead house them in a department within the City of North Charleston would fail students. Such would duplicate administrative costs and result in less funding per pupil for both academic support and capital improvement.
Mayor Summey’s assertion that the City contributes more than what it receives from CCSD is untrue. In fact, North Charleston has historically received well above the CCSD average funding for construction and facilities maintenance.
North Charleston’s schools currently account for 30.32% of the District’s total student population yet receive approximately 35.6% of funds allocated for schools. In addition, the average budgeted per-pupil allocation in FY2023 for North Charleston schools was $16,645.18 compared to that for all other CCSD schools at $14,171.06; isolating North Charleston’s schools served through Acceleration Schools boasts a $19,532.61 per pupil allocation.
Claims that academic efforts in North Charleston schools have not been successful are also misleading. Most recently, for example, three North Charleston schools were removed from the state improvement designation list while others made significant gains.
Rather than benefiting students, withdrawing schools from CCSD would exacerbate educational disparities between geographic areas that CCSD has worked to address. Likewise, the assertion that creating a smaller district would ensure children in North Charleston have greater opportunities is simply misguided. Smaller schools and smaller districts have historically been less-able to offer such access and opportunity.
The District calls on Mayor Summey to address his concerns directly with CCSD leadership so that adults can avoid negative outcomes for students, parents, and educators. The Mayor has not reached out to the District directly since February 2022, after which he and Superintendent Kennedy met with other District and City officials.
The city refutes this, claiming the mayor reached out in May 2022 about an educational program.
Summey reaffirmed Wednesday morning he has not yet decided if he will seek re-election but expects to do so within the next 30 days.
This is a developing story. Check back for updates.
Copyright 2023 WCSC. All rights reserved.
NORTH CHARLESTON, S.C. (WCSC) - Charleston-based manufacturing company Bintelli is expanding its operation with a new 174,000-square-foot facility in North Charleston.The facility, off Palmetto Commerce Parkway, opened last week and will focus on building golf carts and low-speed electric vehicles.This marks the third expansion for Bintelli in the last three years.“This new facility is a testament to the amazing work our dealer family has done over the last few years,” Bintelli Founder and President Justin Ja...
NORTH CHARLESTON, S.C. (WCSC) - Charleston-based manufacturing company Bintelli is expanding its operation with a new 174,000-square-foot facility in North Charleston.
The facility, off Palmetto Commerce Parkway, opened last week and will focus on building golf carts and low-speed electric vehicles.
This marks the third expansion for Bintelli in the last three years.
“This new facility is a testament to the amazing work our dealer family has done over the last few years,” Bintelli Founder and President Justin Jackrel says. “As we are now operational in what I believe is the largest LSV (low-speed vehicles) manufacturing facility in America, we’re going to be able to even better support our dealer family with the additional vehicles, parts and support they need to continue their rapid growth nationwide.”
Another focus for the move was to have more space for employees so the building is a more comfortable workspace without limiting tight boundaries, says Kevin Marques, Bintelli Production Facility Manager.
“It keeps growing and the biggest thing is keeping the culture the same; we pride our employees and making sure everyone is happy,” Marques says. “We actually know each employee by name and I want to keep that feel here because I think that’s very important for us; that’s the biggest thing, as we grow, I just want to maintain the culture within the company.”
Bintelli assembled 7,000 vehicles last year and is on track to produce 12,000 this year, making the move to a larger facility necessary.
Bintelli says with this new facility, they will be able to keep up with the demand for low-speed electric vehicles and golf carts.
“This expansion is another step in solidifying ourselves at the forefront of the industry,” Bintelli Vice President Jason Perske said. “While faster order fulfillment and greater inventory availability is going to be an incredible asset for our dealer family, I’m far more excited about what this means for the additional levels of support we can offer. I’m excited for all of our dealerships to share in this huge announcement and incredibly thankful for all the support they show us every day.”
In addition to the recent facility expansions, Bintelli says they are also focused on expanding its support and production staff.
Copyright 2023 WCSC. All rights reserved.
The Emergency Response Team at R.B. Stall High School in North Charleston simulated what they would do if someone went into cardiac arrest on Friday afternoon.NORTH CHARLESTON, S.C. (WCSC) - Ever since Buffalo Bills player Damar Hamlin went into cardiac arrest last month, there has been a renewed focus to educate people on how to respond to a similar event. Some Lowcountry schools are making sure they are ready if the scary moment ever comes.The Emergency Response Team at R.B. Stall High School in North Charleston simulated wha...
The Emergency Response Team at R.B. Stall High School in North Charleston simulated what they would do if someone went into cardiac arrest on Friday afternoon.
NORTH CHARLESTON, S.C. (WCSC) - Ever since Buffalo Bills player Damar Hamlin went into cardiac arrest last month, there has been a renewed focus to educate people on how to respond to a similar event. Some Lowcountry schools are making sure they are ready if the scary moment ever comes.
The Emergency Response Team at R.B. Stall High School in North Charleston simulated what they would do if someone went into cardiac arrest on Friday afternoon. Faculty and staff simulated calling 911, administering CPR and using the school’s Automated External Defibrillator (AED).
Friday’s drill was a partnership between the Charleston County School District and the Project Adam team at MUSC.
“It can be anybody, anywhere. It can be children; and so we need to have that plan in place,” Nurse Tara Lawson, project ADAM program coordinator at MUSC Children’s Hospital, said.
South Carolina is one of 15 states that require an AED in every school. But medical professionals say it is not enough to just have one on the wall.
“You don’t want to be scrambling when an incident happens,” Lawson said.
The goal is for every school in Charleston County to run a drill like this. The district said they will start with high schools and then move to middle and elementary schools.
“The faster that you can have CPR and an AED [in] place, the better the outcomes are,” Dr. Nicole Cain, MUSC director of pediatric electrophysiology, said. “Every second counts. We say time is muscle.”
R.B. Stall High School Nurse Kat Bouziane said the school has been forward-thinking in their emergency preparedness, but partnering with MUSC and Project Adam brings extra planning:
“It demonstrates to our community, the motivation, our sense of responsibility and commitment to providing a safe schoolhouse for our students, families and staff,” Bouziane said.
MUSC’s work with Project Adam began three years ago, and interest has increased in the last few weeks.
The goal is to certify every school in the state.
“I personally have a kindergartener in school,” Lawson said. “So I want him to be in the best place possible if he’s not with me. That people are going to know how to respond in case of an emergency.”
A life-saving drill, winning hearts and minds.
Copyright 2023 WCSC. All rights reserved.
As North Charleston continues to grow and become more dense, it will be increasingly important for the city to create desirable public oases and amenities that offer more space to play, relax and just get away from it all. That’s why we’re encouraged by the city’s decision to create what is expected to be its largest passive park.Last month, City Council approved moving forward with purchasing 440 largely undeveloped acres, pulling together eight adjoining parcels roughly bounded by U.S. Highway 78, Interstate 26, In...
As North Charleston continues to grow and become more dense, it will be increasingly important for the city to create desirable public oases and amenities that offer more space to play, relax and just get away from it all. That’s why we’re encouraged by the city’s decision to create what is expected to be its largest passive park.
Last month, City Council approved moving forward with purchasing 440 largely undeveloped acres, pulling together eight adjoining parcels roughly bounded by U.S. Highway 78, Interstate 26, Ingleside Plantation Road and Ingleside Boulevard on the city’s northern end. Also known as Blue House Plantation, the property has about 200 acres of highlands and 240 acres of wetlands. The city has received $1 million from the S.C. Conservation Bank and a $1 million U.S. Fish & Wildlife grant toward buying the site, and the Charleston County Greenbelt Program has contributed about $4 million, with the property owners, two LLCs, discounted the sale price of the land by several million dollars.
We urge the city to close on the property as soon as possible — its goal is to do so by June 1 — and begin seeking public input on what this park, tentatively known as the Ingleside Weber Park System, should look like. The possibilities are huge: The combined acreage is about seven times as large as Charleston’s Hampton Park, and the chairman of the S.C. Conservation Bank has said the park has the promise of becoming North Charleston’s version of Central Park.
The potential is indeed significant, but buying the property is just the start. The city will have to create a beautiful, functional network of trails, greenways, picnic areas and interpretive areas, particularly around any visible historical remnants, plus walking and biking connections to nearby developments and also across I-26 to Charleston Southern University’s campus and on to the county-run Wannamaker Park.
Fortunately, the seller already has trail easements on commercial, industrial and residential parcels that were previously sold off from the larger tract with the intent of creating a planned trail system and park.
The city’s move is smart in part because much of this acreage is low-lying and because the size of the undeveloped property should provide meaningful wildlife habitat in a bustling part of the metro area that’s under increasing pressure from development. It’s currently home to deer, wild boar and an active woodstork rookery.
North Charleston has created some first-rate public recreation sites, such as its new aquatics and athletics centers, but the city has been less proactive about creating new parks, particularly of any significant size. This is partly due to the city’s relatively young age and its traditional focus on development and expansion. But as we’ve noted, the city also has been turning inward toward quality-of-life issues, and more changes are ahead in part due to a planned bus rapid transit line to be built through the spine of the city, linking its northern end with downtown Charleston.
That line is expected to make property along University Boulevard and Rivers Avenue more appealing for new dense development, which will enable more residents to get to the region’s major employment centers and shopping hubs. That also will help meet the needs of a growing regional population while easing pressure to develop land at our rural edges.
As the population and density of a city increase, its residents rightly expect more and better green space set aside for their recreation and enjoyment, which is often beyond what the free market creates on its own.
With North Charleston at an important point in its evolution as a city, the Ingleside Weber Park System project represents a rare opportunity to establish such a place that will enhance the quality of life for residents. That is encouraging progress.