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).
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.
CHARLESTON, S.C. (WCIV) — A little over one week after a youth baseball game in North Charleston was interrupted by gunfire, the kids involved will get to continue their game under the bright lights of “The Joe!”
The players, whose last memories of a baseball game are gunshots and screams of panic rather than home runs and rounding the bases, will get a unique experience to hopefully remind them of the joys of America’s favorite pastime.
The two Dixie Youth League teams involved in the incident will play at 5 p.m. at the Charleston RiverDogs' field, Joseph P. Riley, Jr. Park, two hours before the RiverDogs game vs. the Fayetteville Woodpeckers.
Players from both minor league teams will be on the field during the game to interact with the kids and give out memorabilia.
The young ballplayers, as well as the U-15 softball team that was warming up in the parking lot during the incident at the Pepperhill baseball facility, will get to stay to watch the RiverDogs game for free.
Team leaders say it’s all in an effort to bring some joy to baseball for these kids once again.
“This is our community. I don't want anybody, whether it's in the sport, feeling like they can't be outside and enjoying the sport,” General Manager and President of the RiverDogs Dave Echols said. “And we hope it will let the kids and the coaches and the parents think of fun when they think of baseball. Safety and just being able to relax as kids and play the game that we love. So, we hope this is a step in the right direction for everybody to heal.”
The kids and parents of the players involved will also get a free picnic to enjoy during the RiverDogs game.
Echols said he coordinated the event with the City of North Charleston Recreational Department shortly after the incident. However, he added that the RiverDogs weren’t the only ones looking to show support to these kids.
Echols stated that just hours after the video went viral, he was contacted from representatives from MLB’s corporate office in New York and the RiverDogs' parent club, the Tampa Bay Rays.
They were all asking one question: “How can they help?”
Leaders with the Rays and Houston Astros, parent clubs of the two minor league teams playing Tuesday, asked the players if they were okay to skip warmups at the game to let these kids resume their contest under the bright lights of “The Joe.”
The players immediately agreed, and Echols said that shows the importance, across all levels of baseball, of these kids' right to play.
“Executives at the level of major league players, and our young professionals all remembering what it's like to be a 9 and 10-year-old playing the game that everybody loves. And you can't tell me that's not connecting the community fabric. I mean, I got goosebumps thinking about it. I feel terrible, we have to do it, but baseball has always been a sport that that bridges the community together and hopefully this will be another bridge that we can build,” Echols said.
Representatives from the Rays and MLB will also send signed t-shirts and baseball hats for the kids to have.
The facility where the incident took place, the Pepperhill baseball facility in North Charleston, will open back up for events on Wednesday.
NORTH CHARLESTON, S.C. (WCBD) – A longtime City of North Charleston employee is accusing North Charleston Mayor Keith Summey of inappropriate sexual advances both before and during her time working for the city.DeLisa Reynolds and Keith Summey have known each other for decades. In the late 1990’s DeLisa and her husband at the time, along with Keith, and his wife, Deb...
NORTH CHARLESTON, S.C. (WCBD) – A longtime City of North Charleston employee is accusing North Charleston Mayor Keith Summey of inappropriate sexual advances both before and during her time working for the city.
DeLisa Reynolds and Keith Summey have known each other for decades. In the late 1990’s DeLisa and her husband at the time, along with Keith, and his wife, Deborah, owned a post office together on E. Montague Avenue in North Charleston.
“So, the four of us renovated, we did work, we ran businesses, we opened a post office,” said Reynolds. “I took that service on.”
Being self-employed, Reynolds said she was concerned about her lack of health insurance. That’s when the Summeys offered her a part-time job working as a receptionist for the City of North Charleston in 2001.
At that time, Summey had been mayor for around seven years.
“I started about 21 years ago and have been there ever since,” said Reynolds.
Throughout her time working for the city, Reynolds moved up the ranks from a part-time receptionist to a secretary a year later, then to an administrative assistant in 2006, a special events coordinator in 2016, and earlier this year she became archives and history coordinator.
Reynolds says the sexual advances by Mayor Summey started before Reynolds began working at the city. She says they began at the post office the Reynolds and Summeys owned together.
“I was at the post office working and he came in. And I went into the closet and he followed me. and that’s where it all began. It was groping. and kissing me,” said Reynolds.
She approximates the time frame of that was in the summer of 1999.
“How many times? I can’t tell you…I can’t tell you that. I don’t….it was so many.”
She said things progressed over the following years and never completely stopped and Summey would still make comments.
“Up until November, this past November it was ‘Hey, let me get a kiss.'”
Reynolds says she was never comfortable reporting the alleged harassment out of fear of retaliation.
“No. I didn’t have anyone to report that to. At that time it was a man’s world. HR was a man director that was very close with the people in the executive department. So I didn’t think I was safe enough to say that or would I lose my job for saying that to HR? I didn’t want my family to know what was going on. I didn’t want my children to know, my husband. So, I just kept it.”
Reynolds considered leaving her job but was concerned about finding the same amount of money and a job she liked as much as her city job.
Reynolds says she started noticing what she describes as an “abuse of power” by Mayor Summey and other executive staffers at the city.
“I don’t know that I’ve ever really noticed so much of it until it actually happened to me directly,” said Reynolds. “Because I was dedicated to the city and the mayor. My goal always was to make sure my job reflected on him as me doing a good job for the city. It was to make him and the city look good.”
During her time working in the executive department, Reynolds says things would stick out to her.
“You notice promotions and things going on and people that were getting more than what others weren’t getting for doing double the work. Other people were coming in because they were friends or whatever. Granted, I was a friend of the mayor as well and the family. So I felt ‘well, they’re protecting me by offering me a position.'”
She says she really started to notice the “abuse of power” when she saw other women becoming involved.
“Just by the way they would disappear together,” said Reynolds. “But I didn’t give it a whole lot of thought.”
Reynolds’ job was switched and she began working at Riverfront Park, something she did not enjoy at first because she felt isolated.
“Maybe that’s because I was starting to see things a little bit differently,” said Reynolds.
Reynolds never planned on coming forward with the allegations. She tells News 2 she planned to stop working for the city at the end of Mayor Summey’s current term which ends in 2023.
“I had already started making a 2.5-year plan. That when the mayor left, I would go too. And I would go silently. And they wouldn’t let me finish out my tenure that way.”
Last October, Reynolds’ adult son made a negative comment on social media about Elliot Summey, Mayor Summey’s son.
Reynolds believes the actions of her son had a direct impact on her, even though she told the Summey family that those were her son’s beliefs and words and did not reflect her own.
“I took a direct hit. My workload got different, I did things that I should not have had to do as a salaried employee, I put in a lot of extra hours that I should not have to do,” said Reynolds. “When they stopped talking to me back in October, things were building and building and I was being scrutinized with everything I did.”
Fast forward to the beginning of 2022, Reynolds was removed from her role of being a Special Event Coordinator at Riverfront Park and given a new role.
“They created this position so they could remove me from what I had worked so hard for.”
Reynolds’ new title is Archives and History Coordinator. A job she says she’s not qualified for nor did she want or ask for.
“They were forcing me out of my position and creating a position I technically do not have the knowledge to do.”
Then, in February 2022, Reynolds filed a formal complaint to the city detailing what she calls the abuse of power.
Reynolds says because of this recent situation, she is upset and frustrated and has changed the way she is thinking about her future.
That’s why she decided to come forward with these allegations of inappropriate sexual conduct and abuse of power.
“I started to rethink…this is not the life I want to live.”
A press release sent to News 2 by the lawyers of Reynolds says if a formal investigation is not made into the allegations, Reynolds will take legal action.
The City of North Charleston responded with the following statement on Sunday. They declined a request for comment on Monday.
“On January 14, 2022, Ms. Reynolds was notified of a lateral move to Archives and History Coordinator. This transfer did not negatively affect Ms. Reynolds’ pay or benefits with the city. Ms. Reynolds’ complaint was received shortly thereafter.
Employment History:Part-time receptionist – 2001Secretary – 2002 Administrative Assistant – 2006 Special Events Coordinator – 2016Archives and History Coordinator – 2022
Mayor Summey and the City deny the allegations raised by Ms. Reynolds’ lawyer and will not comment further on threatened or pending litigation.
City of North Charleston”
Reynolds is currently on leave from her job as part of the Family and Medical Leave Act due to medical issues. She was approved for leave on January 21st, 2022, was reevaluated on April 14th and her leave was extended until June 24th.
This is a developing story, check back for updates.
AWENDAW — Elliott Summey, head of South Carolina’s largest airport, used the town of Awendaw’s natural resources for personal gain during his private company’s work on an unfinished park here, a new lawsuit by the town alleges.The lawsuit echoes the findings in ...
AWENDAW — Elliott Summey, head of South Carolina’s largest airport, used the town of Awendaw’s natural resources for personal gain during his private company’s work on an unfinished park here, a new lawsuit by the town alleges.
The lawsuit echoes the findings in “Sand Man,” a report last year by The Post and Courier-led Uncovered investigative reporting collaboration.
That report revealed how Summey’s company, Jackson Development, mined millions of dollars in sand and dirt from the park site, then left Awendaw in the dark about how much money he made and how much money taxpayers should have received in royalties.
Filed June 10, the town’s 16-page complaint went a few steps further.
Among its allegations:
Summey, a former Charleston County Council chairman and son of North Charleston Mayor Keith Summey, said his attorney has been trying to resolve disputes through arbitration and mediation.
“Now that the town has filed a lawsuit, this will allow all the facts to be presented in a fair, transparent and public manner,” he said. Summey declined to discuss specific allegations raised by the lawsuit.
Awendaw Town Attorney Toya Hampton acknowledged that “passions are running high” about the park. “The Town is standing up for its rights under the agreement through the lawsuit.”
The lawsuit didn’t specify an amount it’s seeking.
The lawsuit is the latest chapter in the controversial project.
In 2009, Charleston County Council voted to use Greenbelt money to buy 290 acres off Doar Road. On council then, Summey was a deciding vote. Three years later, Summey created Jackson Development — and scored a deal to mine the land’s sand.
The deal called for Jackson Development to spend $500,000 to help Awendaw build a park. Once it hit that $500,000 mark, Summey’s company was supposed to pay Awendaw an additional 50 cents for every cubic yard excavated from the site — and more if the price of dirt rose, which it did significantly over the coming years.
The town hoped to use these royalties to finish the park.
But Summey’s company turned over far less royalty money than the town expected, about $150,000.
And while the site has a large lake from the sand mining operation, the park itself remains unfinished. The town recently unveiled a new plan featuring disc golf, an amphitheater and space for overnight camping. But it remains unclear how the town will pay for this work.
With the park project in limbo, Summey and the town have been battling over the royalties.
According to the town’s agreement with Jackson Development, Summey’s company was supposed to hand over detailed receipts, canceled checks, invoices and other documentation about his mining progress.
But Summey and his contractor, Robert Collins Co., failed to do so, the lawsuit alleged.
Amid this vacuum of documentation, Awendaw Town Council in October 2020 hired the Greenville-based Wyche firm to challenge Summey.
Summey, meanwhile, left his County Council post for a job as chief executive officer of Charleston International Airport, earning more than $318,000 in salary and perks.
The lawsuit raises new questions about Summey’s mix of public and private ventures.
Summey has created about 20 private corporations, according to state and court records. Most appear to involve real estate ventures, with the notable exception of Jackson Development.
The lawsuit alleged that Jackson Development was a “corporate fiction ... used by Summey as a means of evading legal obligations,” and that Summey should be personally liable.
The lawsuit also discussed a large berm Summey and his company built on the site.
Running parallel to Doar Road, the berm was supposed to protect a nearby neighborhood from dust and noise. A permit from the state Department of Health and Environmental Control required that the berm be made from topsoil from the park site.
But according to the lawsuit, Summey and his company violated the permit by packing the berm with concrete, asphalt, rebar, items of clothing and other trash, earning at least $100,000.
Doing this violated DHEC permit requirements and will force the town to spend at least $150,000 to fix new drainage problems created by the berm, the lawsuit alleged.
According to a DHEC inspection report in 2020, Summey’s company was supposed to remove the berm.
The lawsuit also claimed that Summey and his company sold timber from the Awendaw tract without paying the town.
It concluded by alleging Summey misused and converted the town’s resources “for personal gain to fund Defendants’ own businesses at the expense of the Town and its residents and taxpayers.”
The Awendaw project’s problems have had a ripple effect beyond Elliott Summey.
A North Charleston city employee, DeLisa Reynolds, alleges that Mayor Keith Summey retaliated against her after one of her family members posted a negative comment on Instagram about Elliott Summey’s work in Awendaw. She has filed formal complaints with the city of North Charleston and the S.C. Human Rights Commission.
Thirteen years have passed since Charleston County voted to buy the Doar Road property with public Greenbelt money. But the park site remains empty, save for a few dirt roads, a power pole, a water well and a large berm overlooking a lake.
Beyond what happened and didn’t happen in Awendaw, the project highlights a weakness in the state ethics laws.
In The Post and Courier’s October report, Summey said he was told by the State Ethics Commission that he didn’t have to report the money he made in Awendaw, prompting a government watchdog to say that it was “appalling that millions of dollars are not really accounted for.”
It started in 1998 to bring dads back into their children’s lives.Now the effort called Father-to-Father has flourished into a program that has turned hundreds of lives around.In some cases it’s voluntary, in some others an alternative to jail and ordered by the courts. With help, once absent fathers take measures to adopt a new outlook on parenting.The fathers’ advocacy program is designed to help low income, non-custodial fathers overcome the barriers preventing them from becoming an effective part of...
It started in 1998 to bring dads back into their children’s lives.
Now the effort called Father-to-Father has flourished into a program that has turned hundreds of lives around.
In some cases it’s voluntary, in some others an alternative to jail and ordered by the courts. With help, once absent fathers take measures to adopt a new outlook on parenting.
The fathers’ advocacy program is designed to help low income, non-custodial fathers overcome the barriers preventing them from becoming an effective part of their children’s lives. On June 11, in North Charleston there was a celebration of the program’s success in preparation for Father’s Day weekend.
“It’s been our mission making sure dads are engaged and give them the tools necessary to be positive role models in their children’s lives,” said Tom Swanciger, chief executive officer of Father-to-Father. “We really focus on the whole man, the whole individual, making them a better person.”
The program is a 501(c)3 nonprofit organization and is 100 percent supported by tax deductible donations and funding sources. Fathers and professionals share personal experiences in an effort to assist other fathers with their family issues.
Over the years the program, which has branch offices in both Moncks Corner and North Charleston, has had an 88 percent success rate. Father-to-Father uses social workers and interventionists to guide participants into a new way of thinking and living.
“As we always tell the dads, all we ask for is your time and your commitment and we’ll provide the rest,” said Swanciger.
The program uses a template that includes spending regular quality time with their children, using practical legal steps to help fathers obtain, improve and increase visitation and helping to improve communication skills with the child’s mother.
“When a father is in a child’s life, they (children) do better in education, they do better socially and they are more likely to be successful,” said Vincent Mercer, the site director at the Berkeley County office. “We’ve had a major impact on turning the lives of children and fathers around and helping the children have the father in their lives not only just from a physical standpoint.”
The program also helps fathers with their financial decisions so they can pay child support on time, create a visitation schedule and provide a safe, child-friendly environment for spending time.
But first the dads have to be welcomed into the program.
“We do an interview and assessment and they get accepted,” said Mercer. “Then we enroll them into the program and we do what is called ‘one man plan,’ so we let them take ownership of their goal.”
Trent Butler from Goose Creek volunteers with the program. He’s 24 and enrolled once his daughter was born. Being a young father, he wanted some help and support in dealing with things like communication with his child’s mother.
“It’s helped me tremendously. It’s helped me a lot,” said Butler who missed his daughter’s birth because of the lack of communication between him and the mom.
“That’s something I had a hard time getting past and being angry over, and there was a quote that Mr. Mercer gave me that I’ve really taken to heart. (He said) ‘The aggression and the anger between you two isn’t going to do anything to help her (their daughter),’” Butler recalled. ”…It’s helped me out a good bit as far as being able to be a better dad, being able to bounce ideas off of other people. It just helps to talk to people who has been in the same situation.”
NORTH CHARLESTON, S.C. (WCBD)- The acclaimed Vincent Van Gogh exhibit that brings the artist’s most influential works to life is making a stop at the Charleston Area Convention Center this summer.Beyond Van Gogh: The Immersive Experience is the largest immersive art experience in the county and has sold more than 2.5 million tickets globally. The highly anticipated show runs from July 16 through September 4 and features more than 300 Van Gogh pieces in a unique three-dimensional display that covers more than 30,000 square feet....
NORTH CHARLESTON, S.C. (WCBD)- The acclaimed Vincent Van Gogh exhibit that brings the artist’s most influential works to life is making a stop at the Charleston Area Convention Center this summer.
Beyond Van Gogh: The Immersive Experience is the largest immersive art experience in the county and has sold more than 2.5 million tickets globally. The highly anticipated show runs from July 16 through September 4 and features more than 300 Van Gogh pieces in a unique three-dimensional display that covers more than 30,000 square feet.
The exhibit space is engulfed in digital projections–made up of four trillion content pixels–of Van Gogh’s most recognizable pieces and self-portraits including “Starry Night,” “Sunflowers,” and ” Café Terrace at Night.”
But the exhibit is not just visual. It also features a symphonic score of Van Gogh’s dreams, thoughts, and words for an unmatched narrative experience.
The experience was created by French-Canadian Creative Director Mathieu St-Arnaud.
“An imaginative and fully-immersive adventure, Beyond Van Gogh takes on the challenge of breathing new life into Van Gogh’s vast body of work. Through the use of cutting-edge 3D projection technology and music to illuminate all of his genius, guests can experience the artist with all their senses,” St-Arnaud, Normal Studio said.
As guests go through the exhibit, they will journey from the Introduction Hall to the Waterfall Room to the Immersive Experience Room, all of which flow fluidly into each other enveloping guests in the beautiful landscapes and colorful flowers that Van Gogh is known for.
“This distinctive and unique multimedia artistic adventure is deeply resonating with audiences. Encompassing a refreshing new twist unlike art lovers have seen before, Beyond Van Gogh gives a new appreciation of this tortured artist’s stunning work. Unsurprisingly, millions of people all over the world credit Van Gogh with enhancing their relationship with art. Beyond Van Gogh will only strengthen that connection,” Justin Paquin, Producer, Paquin Entertainment Group said
Beyond Van Gogh: The Immersive Experience will be open Tuesday through Sunday from 10 a.m. to 9 p.m. Tickets can be purchased online at vangoghcharleston.com/.