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.
NORTH CHARLESTON, S.C. (WCIV) — How long would you wait for that the right new sofa or kitchen table? Some customers of a North Charleston furniture store say they’ve been waiting for two years now and claim they’re getting the runaround.ABC News 4 received multiple reports directly to our newsroom of this, and one we found was Goose Cree...
NORTH CHARLESTON, S.C. (WCIV) — How long would you wait for that the right new sofa or kitchen table? Some customers of a North Charleston furniture store say they’ve been waiting for two years now and claim they’re getting the runaround.
ABC News 4 received multiple reports directly to our newsroom of this, and one we found was Goose Creek mother and daughter Brittany and Shelby Fox.
“We're gonna tell the story start to finish, and you know, just cut out the nonsense,” Brittany Fox said.
On January 15, 2021, the Foxes bought a new dresser online from Home Décor Outlets from its North Charleston location. But the process of getting the furniture to their doorstep took longer than they expected.
“They told me after the first [of February] that it would get delivered. It never came,” Shelby said. “There was one contact where they said something about there was going to be a delay with the dresser could be up to six months.”
So, the mother and daughter waited. And waited.
“I have to chase them,” Shelby said. Then waited some more.
“It was just dead silence from there,” Brittany said.
Now, almost two years later – they still have nothing. They said there was one constant throughout the process: “The runaround was consistent.”
No furniture or money received by the family. Besides the receipt they have from their purchase, the only thing they say they actually got from Home Décor Outlets: Ads.
“[They were] trying to sell me a mattress,” Shelby said. “Yeah, spamming my phone pretty much. But never offering money back.”
As the time went by and the furniture had yet to arrive, the Foxes turned positions and tried to get their money back. Only to find out: “They could not refund my debit card.”
The Foxes say the company told them they had a no-refund policy and the only possible way to get one was to fill out a form and apply, where the refund would only be granted under certain occasions. The whole concept was something that confused the Foxes.
“We never even got a product at this point. It's not even a refund, it's a cancellation,” Brittany Fox said.
So I tried to get in touch with the company. I called the executive board, the phone numbers listed at their corporate websites and the phone number for the North Charleston store location. But all the phone numbers either went straight to voicemail or to dial tone alerting the phone had been disconnected.
After more than an hour, I gave up calling, got in the car and took a trip to the North Charleston store location.
It was the same thing customers like Brittany and Shelby Fox did after having their attempts at communication fall through. But much like the Foxes, when I arrived, I realized there were going to be no answers.
The store was closed with no furniture. Instead, just the remnants of a business.
So why was this the case? I did some digging and found the company had its Better Business Bureau accreditation revoked in January of 2022 for not responding to claims like the Foxes' and others that came in to government offices.
“We had eight complaints over the course of the last six years,” said Bailey Parker, Communications Director for the South Carolina Department of Consumer Affairs. “I'd say the majority of them came in from 2020 to 2022.”
But even the SC Department of Consumer Affairs had a problem contacting Home Décor Outlets.
“They were not getting back to us on a number of these complaints and didn't ever respond to the initial point of contact from us.”
After some more digging, we found out in February of 2022, the company filed for chapter 11 bankruptcy. Furthermore, just days after the interview with the Foxes, they received a letter from Georgia’s bankruptcy court suggesting the Home Décor Outlets convert from chapter 11 to chapter 7 bankruptcy. It would mean the company would have to close all their stores and liquidate their assets.
However, the documents still give no timetable on when these claims will be resolved and if any money is guaranteed to these customers.
“Consumers are most likely not going to be the ones that get paid back. First, it's going to be the other major creditors that they probably owe debt to,” Parker said.
We also learned from the Georgia Court of Bankruptcy, the company received loans through Covid relief, which they are required to pay 20 percent back, as well as general business loans, and they have missed 15 out of 19 payments -- not a good sign for customers.
“At the end of the day, if they don't have money, they don't have anything left, they can't pay,” Parker said.
So what are these customers options at this point?
“The only options that a consumer would have is taking the business to magistrates court, which in my opinion, is not a great option,” Parker said.
The money spent on attorneys for magistrate court could be larger than the money lost in some of these claims. Parker does say waiting to see the results of the bankruptcy court might be the best option.
Meanwhile, the Foxes ended up finding a suitable replacement dresser elsewhere. But still, after going through this whole experience, they left one piece of advice for any consumers in the state.
“Don’t just check the reviews on the product, check the reviews on the business.”
COLUMBIA, S.C. – Governor Henry McMaster, Lieutenant Governor Pamela S. Evette, and First Lady Peggy McMaster's schedules for the week of August 29 will include the following:Sunday, August 28 to Tuesday, August 30: Gov. McMaster will participate in the Southern States Energy Board's (SSEB) energy conference, Charleston Marriott, 170 Lockwood Drive, Charleston, S.C.Monday, August 29 at 9:00 AM: Gov. McMaster participated in an event with Nephron Pharmaceuticals, Nephron Hangar, 2695 Aviation Way, West Col...
COLUMBIA, S.C. – Governor Henry McMaster, Lieutenant Governor Pamela S. Evette, and First Lady Peggy McMaster's schedules for the week of August 29 will include the following:
Sunday, August 28 to Tuesday, August 30: Gov. McMaster will participate in the Southern States Energy Board's (SSEB) energy conference, Charleston Marriott, 170 Lockwood Drive, Charleston, S.C.
Monday, August 29 at 9:00 AM: Gov. McMaster participated in an event with Nephron Pharmaceuticals, Nephron Hangar, 2695 Aviation Way, West Columbia, S.C.
Tuesday, August 30 at 9:15 AM: Gov. McMaster, Arkansas Gov. Asa Hutchinson, and former Mississippi Gov. Phil Bryant will hold media availability about the Southern States Energy Board's (SSEB) energy conference, Charleston Marriott, Blue Topaz room, 170 Lockwood Drive, Charleston, S.C.
Tuesday, August 30 at 11:45 AM: Lt. Gov. Evette will speak at the BMW Women’s Executive Leadership Luncheon, Greenville Convention Center, Ballroom, 1 Exposition Drive, Greenville, S.C.
Tuesday, August 30 at 2:00 PM: Gov. McMaster will oversee a State Fiscal Accountability Authority meeting, Room 252, Edgar Brown Building, State House grounds, 1100 Gervais Street, Columbia, S.C.
Wednesday, August 31 at 4:00 PM: Gov. McMaster will hold a School Resource Officer School Safety event, Lexington Two Innovation Center, 509 Bulldog Boulevard, Cayce, S.C.
Thursday, September 1 at 10:00 AM: Gov. McMaster will participate in the Governor’s Summit on Veterans’ Affairs, University of South Carolina Alumni Center, 900 Senate Street, Columbia, S.C.
Gov. Henry McMaster’s Weekly Schedule: August 22, 2022
COLUMBIA, S.C. – Gov. Henry McMaster’s schedule for the week of August 22, 2022, included:
Monday, August 22
5:35 PM: Agency call.
Wednesday, August 24
9:45 AM: Gov. McMaster held a ceremonial bill signing for H. 4837 Optometry Mobile Units, North Charleston Elementary School, 4921 Durant Avenue, North Charleston, S.C.
11:30 AM: Gov. McMaster joined Wounded Nature-Working Veterans, the S.C. Office of Resilience, and the S.C. Department of Natural Resources to tour abandoned commercial and recreational vessels in our waterways, Wappoo Boat Ramp, Charleston, S.C.
2:00 PM: Media availability.
Thursday, August 25
Gov. McMaster was in the Office of the Governor for office hours, 1100 Gervais Street, Columbia, S.C.
11:00 AM: Gov. McMaster held a ceremonial bill signing for S. 11 Paid Family Leave, State House, first floor, 1100 Gervais Street, Columbia, S.C.
1:30 PM: Meeting with a local official.
2:00 PM: Policy meeting.
3:30 PM: Agency meeting.
4:30 PM: Policy meeting.
Friday, August 26
Gov. McMaster was in the Office of the Governor for office hours, 1100 Gervais Street, Columbia, S.C.
3:15 PM: Agency meeting.
4:00 PM: Gov. McMaster and First Lady Peggy McMaster presented the Order of the Palmetto to Shawn Elliott, Governor’s Office, 1100 Gervais Street, Columbia, S.C.
Sunday, August 28
Gov. McMaster participated in the Southern States Energy Board's (SSEB) energy conference, Charleston Marriott, 170 Lockwood Drive, Charleston, S.C.
3:30 PM: Gov. McMaster spoke at the Southern States Energy Board’s Executive Committee Meeting, Charleston Marriott, Crystal Ballroom ABC, 170 Lockwood Drive, Charleston, S.C.
5:00 PM: Policy meeting.
6:00 PM: Gov. McMaster spoke at the Southern States Energy Board’s Opening Reception and Dinner, The William Aiken House, Charleston, S.C.
CHARLESTON, S.C. (WCSC) - The Artemis I rocket is set for another launch attempt on Saturday afternoon. If successful, it will be the first spacecraft in 50 years to go to the moon.Boeing is the prime contractor for Artemis and several team members from the Boeing North Charleston plant helped to build the rocket. One of them is a Stall High school graduate who grew up in North Charleston.“Yes, I was very excited to be one of the ones that was selected for the program to go build this Artemis one,” Isaiah Ravenel sa...
CHARLESTON, S.C. (WCSC) - The Artemis I rocket is set for another launch attempt on Saturday afternoon. If successful, it will be the first spacecraft in 50 years to go to the moon.
Boeing is the prime contractor for Artemis and several team members from the Boeing North Charleston plant helped to build the rocket. One of them is a Stall High school graduate who grew up in North Charleston.
“Yes, I was very excited to be one of the ones that was selected for the program to go build this Artemis one,” Isaiah Ravenel said.
Ravenel has worked as a structures mechanic for Boeing for 13 years. His experience building airplanes, made him a great candidate to work on the next rocket program that will take humans to the moon.
“I build the engine core section. That’s the section where the four RS25 engines will be attached to the rocket going into space.”
Along with hundreds of others, he relocated to New Orleans from 2017 to 2020 to work at the Michoud Plant NASA facility building Artemis.
“Building this rocket, the Artemis I, knowing that it’s going to be the rocket that’s going to put the first woman back on the moon and the first person of color back on the moon, it’s an awesome experience,” Ravenel said.
So how did this 1986 Stall High School grad end up working on the next generation space program. He credits his 10 years of service in the Army.
“With radio and avionics and that took me to the career of aeronautics to work with Boeing and other aeronautic companies building aircrafts,” Ravenel said.
And now, he’s got a great experience to share with his family and friends about his contribution to the space program and the Artemis I rocket.
“Something I can sit back and tell my grandkids, say hey, Papa built that.”
The latest plan calls for a second launch attempt of the Artemis I rocket on Saturday. The launch window opens at 2:17 p.m. Ravenel says he will be keeping his fingers crossed for a successful launch.
According to its website:
Boeing is the prime contractor for the design, development, test and production of the launch vehicle core stage and upper stages, as well as development of the flight avionics suite.
The Boeing-built core stage for the Artemis I mission has completed a series of tests known as Green Run at the agency’s Stennis Space Center in Mississippi. It has been refurbished and delivered to Kennedy Space Center in Florida for integration with the rest of SLS. Meanwhile, Boeing is building the core stages for Artemis II and III.
Copyright 2022 WCSC. All rights reserved.
South Carolina is home to three of the nation’s best places to get coffee, new rankings show.Each of the shops landed on a list of the top 100 coffee shops in the United States. The review website Yelp said it created the rankings after looking at coffee-related businesses and studying “a number of factors including the total volume and ratings of reviews” over time, according to results publishe...
South Carolina is home to three of the nation’s best places to get coffee, new rankings show.
Each of the shops landed on a list of the top 100 coffee shops in the United States. The review website Yelp said it created the rankings after looking at coffee-related businesses and studying “a number of factors including the total volume and ratings of reviews” over time, according to results published Friday, Sept. 2.
The Palmetto State locations that received recognition:
With all of the ranked coffee shops boasting more than four out of five stars on Yelp, the list might not be surprising.
Among the high-scoring South Carolina shops was Lodi Coffee. The business, on Ashley Phosphate Road near the tourist destination of Charleston, bills itself as a place that’s “always trying something new.”
On Yelp, customers have raved that the shop serves a variety of drinks from a convenient drive-thru window. Several were fans of the cold brews, which come in flavors ranging from maple cream to hazelnut, according to the shop’s website.
Also landing a spot on Yelp’s list was Burr & Berry Coffee. While the business has a Charlotte location, its shop across the state line in Indian Land earned the praise.
On its Facebook page, the business said it offers drive-thru and walk-up service to customers at its South Carolina location. Many Yelp users couldn’t get enough of the quaintness of the shop on Transformation Lane, which serves cups that some said rival those made in the coffee hot spot of Seattle.
The last of the coffee shops that earned an honor from Yelp was Java Burrito Company on Hilton Head Island. Though the business also operates out of Savannah, the South Carolina location has received recognition time and time again.
The William Hilton Parkway shop — which focuses on the “unlikely pair” of burritos and coffee — has gotten statewide acclaim for those two menu items and even margaritas, according to McClatchy News and The Island Packet. This time around, the cafe made Yelp’s national list after customers went online to praise its lattes, iced coffee and other drinks.
Overall, the nation’s highest-ranking coffee place was Yaw Farm Coffee Roaster in Las Vegas. Rounding out the top five were shops in Washington, Oregon, California and Nevada.
This story was originally published September 2, 2022 4:08 PM.
NORTH CHARLESTON, S.C. (WCSC) - So many people know the feeling of sliding on your first pair of glasses and finally being able to see a lot more clearly.A new law is designed to bring that special moment to more children across South Carolina.The legislation allows mobile optometry clinics to visit Title 1 schools, offering free screenings and eye exams and fitting and providing students with glasses, with parental conse...
NORTH CHARLESTON, S.C. (WCSC) - So many people know the feeling of sliding on your first pair of glasses and finally being able to see a lot more clearly.
A new law is designed to bring that special moment to more children across South Carolina.
The legislation allows mobile optometry clinics to visit Title 1 schools, offering free screenings and eye exams and fitting and providing students with glasses, with parental consent.
“This will see that our children across the state — and I hope this spreads like wildfire — that they all are able to reach their full potential,” Gov. Henry McMaster said.
McMaster officially signed the new law earlier this year, but he commemorated it Wednesday at North Charleston Elementary School, where he was joined by other elected officials, Charleston County School District leaders and students, and representatives from the national nonprofit Vision to Learn.
The organization lobbied South Carolina’s legislature for the change in law, as its previous language had prohibited Vision to Learn from operating free mobile optometry clinics in South Carolina as it does in other states.
The General Assembly allowed Vision to Learn to operate on a trial basis over the last year before approving the permanent change in law. In that year, the nonprofit reports it provided more than 2,000 students from 17 schools in the Charleston County School District with eye exams, and 1,700 of those kids received free eyeglasses.
“Our program has found that the best way to solve this problem is by bringing access to students right here on campus,” Vision to Learn National Director Damian Carroll said.
District Director of Nursing Ellen Nitz said the new law removes barriers that may be keeping kids from reaching their full potential in the classroom.
“Many of our families will face either financial burdens, transportation issues, parents having to leave work to get to appointments, and then just not even realizing that you need glasses,” Nitz said.
During Wednesday’s event, four CCSD elementary school students received their first pair of glasses, including second grader Taila Sanders, who had selected frames in her favorite color, pink.
“Everything is like so different. It’s like not blurry anymore,” Sanders said.
With the change in law now in effect, Vision to Learn said its next goal is to bring this clinic to more districts across the state and help more South Carolina kids see.
“Our young students experienced unprecedented hardships during the recent pandemic, and now going forward, having access to quality eyecare and prescription glasses will not be one more thing that they or their parents have to worry about,” Rep. William Cogswell, R – Charleston, said.
Copyright 2022 WCSC. All rights reserved.