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Classic Home Mortgage Providing Trustworthy Mortgage Guidance for Over 30 Years

Buying a home is one of the most significant investments that you will ever make. Like most good things, finding the perfect home comes with a lot of work. From your initial search online to your home tour and finally closing, there are many difficult decisions to make along the way. The bottom line is that the entire home buying process can be very stressful, especially when it comes to finding the right mortgage broker and loan for your new home. Since market conditions and mortgage programs change frequently, you have a lot riding on your broker's ability to provide quick and accurate financial advice. Whether you're a first-time homebuyer or own several residential properties, you need a mortgage broker in Orangeburg, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.

My name is Dan Crance - Orangeburg'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 Orangeburg, my primary goal is to help you make the right mortgage choice for you and your family. Mortgage lenders have a horrible reputation for turning over clients quickly to expedite cash flow and make the most money possible. While some mortgage brokers come off as pushy and impatient, I encourage my clients to take as much time as they need to ask questions and review their mortgage agreements. I'm here to help answer those questions and provide you with easy-to-understand advice so that you can rest easy knowing you made the right choice. I could say that I strive to provide service that exceeds your expectations, but I'd rather show you. In the end, I want you to leave feeling confident in the loan you've selected, as well as in your choice of broker.

Service Areas
Mortgage Broker Orangeburg, SC
 Refinance Orangeburg, SC

Why Choose Dan Crance As Your Mortgage Lender in Orangeburg, SC?

Clients choose my mortgage company because I truly care about helping them navigate the often-confusing landscape of the mortgage process. I am fiercely dedicated to my clients and make every effort to provide them with trustworthy advice and an open line of communication.

In my business, I work for two different customers. On one hand, I have the buyer: the person entrusting me with the responsibility of guiding them through one of the most important decisions ever. Serving homebuyers is not a task that I take lightly. I work with them daily to help them through the process and provide timely updates and news on their mortgage status. On the other hand, I have the realtor: the person who works with my client to find their dream home. Since their commission is in my hands, working with realtors is also a very important task. I update these agents on the status of their customers weekly. Only when I take care of both parties can I say my job as a mortgage loan officer is complete.

As a mortgage broker with more than 30 years of experience, I pledge to give you the highest level of customer service while providing you with the most competitive loan products available. That way, you can buy the home of your dreams without second-guessing your decision.

 Conventional Mortgage Orangeburg, SC

Home Financing in Orangeburg, SC

At Classic Home Mortgage, our team works diligently to close on time without stress or hassle. Whether you're a seasoned homeowner or are buying your new home in Orangeburg, 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 Orangeburg, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.

 FHA Mortgages Orangeburg, SC

When you work with Classic Home Mortgage, you can always count on our team to:

  • Put your needs first.
  • Work efficiently and quickly. Many of our home loans close in 30 days or less.
  • Offer you a variety of home loans to choose from, and help you make an informed decision.
  • Provide you with competitive rates that make sense for your budget and lifestyle.

While no two loan terms are the same, a few of the most common loan types include:

30-Year Loan - This loan is often considered the most secure option to choose. With a 30-year loan, you can lock in a low payment amount and rest easy knowing your rate won't change.

FHA Loan - If you're not able to make a large down payment, an FHA loan could be the right choice for you. With an FHA loan, many of our clients have successfully purchased a home with less than 4% down.

VA Loan - This loan is reserved for military veterans and active-duty men and women. Those who qualify may be able to purchase a home with no down payment and no Private Mortgage Insurance (PMI).

Choosing a home loan is an important step in the home buying process. At Classic Home Mortgage, we are here to make choosing a loan as easy as possible, so you can focus on the joys of being a homeowner. Contact our team of experts today and ask how you can get pre-qualified for your home loan in Orangeburg, SC.

Refinancing in
Orangeburg, 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 Orangeburg, SC - Dan Crance.

Here are just a few reasons why more homeowners in the U.S. are taking advantage of lower rates and refinancing their homes:
 Home Ready Mortgages Orangeburg, SC
Shorter Term Loan

Shorter Term Loan

Refinancing from a 30-year to a 15-year mortgage might seem counterproductive on the surface because your monthly payment usually goes up. However, interest rates on 15-year mortgages are lower. And when you shave off years of your previous mortgage, you will pay less interest over time. These savings can be very beneficial if you are not taking the mortgage interest deduction on your tax returns.

Do Away with FHA

Do Away with FHA

FHA loans are notorious for paying premiums for the life of the loan. Mortgage insurance premiums for FHA loans can cost borrowers as much as $1,050 a year for every $100k borrowed. The only way to get rid of mortgage insurance premiums is to refinance to a new loan that the Federal Housing Authority does not back.

Switch to Fixed Rate or Adjustable-Rate Home Loan

Switch to Fixed Rate or Adjustable-Rate Home Loan

Sometimes, borrowers with adjustable-rate mortgages refinance so they can switch to a fixed rate, which lets them lock in an interest rate. Doing so is beneficial for some homeowners who like to know exactly how much their monthly payment is each month. Conversely, some homeowners with fixed rates prefer to refinance to an adjustable-rate mortgage. Homeowners often go this route if they plan on selling in a few years and don't mind risking a higher rate if their plans fall through.

 Mortgage Banker Orangeburg, SC

Common Questions About Home Loans

Finding the right loan can be a difficult proposition, even if you have been through the process before. This is especially true since mortgage rates and market conditions change frequently. If you're like most of my clients, you probably have questions about interest rates, refinancing options, and a litany of other topics. To help alleviate some of your stress, here are just a few common questions with answers so that you can better educate yourself as we work our way to securing your loan.

Generally speaking, you should consider refinancing when mortgage rates are 2% lower than the current rate on your home loan. For some homeowners, refinancing makes sense when there is only a 1% difference. Reducing your mortgage rate is a great way to save money or apply your savings to a home upgrade. The money you save on your refinanced loan depends on your loan amount, budget, income, and charges from interest rates. It's crucial that you work with a trusted mortgage loan officer in Orangeburg, SC, to help calculate your refinancing options.
This is one of our most frequently asked questions at Classic Home Mortgage. In simple terms, points let you make a tradeoff between the upfront costs of your loan and your monthly payment amount. Points are essentially costs that you have to pay to your mortgage lender to get financing under specific terms. A point is defined as a percentage on your loan amount. 1-point is equal to 1% of the loan. So, 1 point on a loan worth $100,000 is equivalent to $1,000. When you pay some of the interest on your home loan upfront, you use discount points to lower your interest rate.
If you plan to live in the property for a few years, it makes a lot of sense to pay points to lower your interest rate. Doing so will help lower your monthly loan payment, which you can use to save money. Paying points may also increase the amount of money that you can borrow. If you do not plan on living in the property for at least a few years, this strategy might not make financial sense because you might not be able to make up the amount of the discount points you paid up-front.
In short, yes, your mortgage lender will need to know your credit score. Credit scoring is a system that creditors use to decide whether they will give you credit. Your credit score helps creditors decide how creditworthy you are or how likely you will repay your loan. In most circumstances, creditors will use your FICO scores during the loan process. Your score will fall between high risk (350) and low risk (850). Your credit score plays a big role in the loan process, and as such, your score must be accurate before submitting a credit report when applying for a loan.
The answer to this question depends on how money you choose to put as a down payment on your home. On a conventional loan, if your down payment is less than 20% of the price of your home, your mortgage broker in Orangeburg may require you to get Private Mortgage Insurance or PMI for short. This insurance protects your lender in the event you default on your mortgage. The best way to avoid paying for this insurance is to make a down payment of 20% or more of the purchase price of your home.
 Mortgage Company Orangeburg, SC

Trust Dan Crance

Your Mortgage Lender in Orangeburg, SC

Whether you're selling, buying, refinancing, or building the home of your dreams, you have a lot riding on your home loan specialist. When you need a mortgage broker who works tirelessly for you, answers your questions, provides guidance, and does so with a genuine smile, Dan Crance is your mortgage man. Contact Dan today at 843-478-5612 to get pre-approved and discover why Orangeburg loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

Latest News in Orangeburg, SC

Orangeburg Halloween happenings: Safety comes first

The change was made because of the potential for hazardous weather on Friday.The National Weather Service says showers are likely Friday, with a chance of thunderstorms. An isolated severe storm will be possible Friday afternoon.Candy and costumes are all part of a fun-filled Halloween, but safety remains a priority for local law enforcement agencies working to keep the holiday from becoming a real scare.Orangeburg Department of Public Safety and Orangeburg County Sheri...

The change was made because of the potential for hazardous weather on Friday.

The National Weather Service says showers are likely Friday, with a chance of thunderstorms. An isolated severe storm will be possible Friday afternoon.

Candy and costumes are all part of a fun-filled Halloween, but safety remains a priority for local law enforcement agencies working to keep the holiday from becoming a real scare.

Orangeburg Department of Public Safety and Orangeburg County Sheriff's Office officials are hoping to keep all children – and adults – safe on Tuesday, Oct. 31.

ODPS Chief Charles Austin said providing extra patrols across the city is among the ways his office is promoting safety.

“As a result of heightened concerns for children, we will have extra patrol units through the city with their cruising lights on,” Austin said.

“Costumes with reflectors add significant value, especially after dark,” he said.

The chief also encourages parents to limit trick-or-treating to familiar areas.

“Organized events at schools or churches are usually safest. Children should not accept items from individuals who are unknown to them,” Austin said.

He continued, “Parents should supervise the opening of candy, and any that is unsealed should be discarded. Trick-or-treating is encouraged prior to dark. By 7:30 (p.m.), it should be over.”

Austin said he wants everyone to have a safe Halloween and to notify law enforcement of “any suspicious activity.”

ODPS has set trick-or-treat hours for 5:30 to 7 p.m. on Halloween. The sheriff’s office has set trick-or-treat hours at 6 to 8 p.m. in unincorporated areas of the county.

Counties may have their own specific trick-or-treat times, which must be observed within their town limits, according to the sheriff’s office.

The city will have an array of activities to celebrate Halloween in conjunction with the South Carolina Humanities Festival. Orangeburg County will host its first South Carolina Humanities Festival from Thursday to Sunday, Oct. 19-22.

All activities are free to the public. All children must be accompanied by an adult.

The city’s activities include a trunk-or-treat to be held from 5:30 to 7 p.m. Friday, Oct. 20 at the Edisto Memorial Gardens. Businesses, organizations and churches will line Riverside Drive handing out treats to children age 12 and under.

The Orangeburg Department of Public Utilities will provide a haunted trail at the azalea garden, while the Orangeburg County Conservation District and Keep Orangeburg County Beautiful will sponsored an interactive “bag monster.”

Girl Scout Troop 471 will also be painting rocks for the Kindness Rock Garden beginning at 5:30 p.m. Food trucks will also be available.

The Orangeburg Part-Time Players will sponsor a costume contest to be held from 6 to 6:30 p.m. Prizes will be awarded for the funniest and scariest costume, best make-up, among other categories. Children and adults are encouraged to participate.

To accommodate the Halloween activities, Riverside Drive will be closed from Lady Fountain to the Orangeburg County Fine Arts Center from 2 to 9 p.m. Friday, Oct. 20. Parking will be available along Seaboard Street. Accessible parking will be in the lower lot across the rose garden.

Groups can register to distribute candy. For more information about the event, visit the City of Orangeburg Parks and Recreation Department’s Facebook page at https://www.facebook.com/search/top/?q=City%20of%20Orangeburg%20Parks%20and%20Recreation%20Department.

The Orangeburg County Sheriff’s Office will hold a drive-thru trunk-or-treat from 6 to 8 p.m. Tuesday, Oct. 31 at the Orangeburg County Law Enforcement Complex at 1520 Ellis Ave. in Orangeburg.

Orangeburg prepares for Hurricane Idalia

Bill Staley, the director of Emergency Services said residents need to be prepared, especially those in low-lying areas.ORANGEBURG COUNTY, S.C. — In an effort to keep students and teachers ahead of the storm, the Orangeburg County School District will have early dismissal Wednesday August 30 and will operate on a two hour delay for Thursday August 31.Crews with Orangeburg Emergency Services spent the day making sure storm drains were open to deal with t...

Bill Staley, the director of Emergency Services said residents need to be prepared, especially those in low-lying areas.

ORANGEBURG COUNTY, S.C. — In an effort to keep students and teachers ahead of the storm, the Orangeburg County School District will have early dismissal Wednesday August 30 and will operate on a two hour delay for Thursday August 31.

Crews with Orangeburg Emergency Services spent the day making sure storm drains were open to deal with the expected heavy rain. They will also be on stand by for the possibility of down trees and powerlines.

Bill Staley, the director of Emergency Services said residents need to be prepared, especially those in low-lying areas.

“We have a lot of low-lying areas in Orangeburg," said Staley. "We want to encourage our citizens to make sure they have a plan. Don’t drive through flooded waters, don’t drive through flooded roads. Make sure you have a plan, if you don’t have to be out in the peak of the storm when it’s raining large quantities of water at one time. Don’t go out at that time. Schedule what you need to do so that you are home and you are safe whenever the severe parts of this weather comes in.”

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The city of Orangeburg also met with the Office of Emergency Services to discuss preparation plans. Jennifer Van Cleave, the city's PIO says that they are still monitoring the storm.

“Right now we’re just on standby," says Van Cleave. "We’re monitoring the storm and we’ll make changes as necessary. We want to do what we can to serve our residents and make sure we that we are prepared to help them out incase there is an emergency such as trees down that sort of thing. We will be there to respond.”

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"Have plans to be in a different location," said Staley if you are living in low lying areas. "It maybe a church, it may be at a friends house, maybe a family members house for that little bit of time for when the water comes up and when the water goes down. We’re expecting anywhere from 5 to 8 inches of rainfall across our county and that could be in a short duration of time. So we end up with areas that get flooded for a short period of time. Hour, 2 hours, 3 hours until the water runs off. So those are things you kind of just want to watch.”

The Office of Emergency Services is asking for residents to have readiness plans and to avoid driving and being outside in inclement weather.

Historic Orangeburg churches host tours as part of South Carolina Humanities Festival

South Carolina Humanities' annual festival continues in Orangeburg with historic church tours.ORANGEBURG, S.C. — The South Carolina Humanities Festival continued today with historic church tours in Orangeburg. This is the first time the SC Humanities Festival is being hosted in Orangeburg County.Trinity United Methodist Church, Mt. Pisgah Baptist Church and ...

South Carolina Humanities' annual festival continues in Orangeburg with historic church tours.

ORANGEBURG, S.C. — The South Carolina Humanities Festival continued today with historic church tours in Orangeburg. This is the first time the SC Humanities Festival is being hosted in Orangeburg County.

Trinity United Methodist Church, Mt. Pisgah Baptist Church and St. Paul’s Methodist Church were highlighted by the festival committee for the historic church tours.

Ronald Speight is a member of Trinity United Methodist Church. He says these tours are an important way to learn about Orangeburg’s history.

"To maintain one's history, and so that others know about one's history to me is always important,” said Speight. “I do believe that you want to know your history about anything, even your own family. It's important to know from where you've come. So to know why Orangeburg is and how it is today, a lot of it has to do with Trinity United Methodist Church."

RELATED: South Carolina Humanities brings annual fair to Orangeburg County

Rosemary Smith-Hickman is a member of Mt. Pisgah Baptist Church. She says this church has roots dating back to slavery.

"We trace our roots back to 1853 and that's through word of mouth past down,” said Smith-Hickman. “I think that is significant because 1853, we were still in the grips of slavery and black people were unable to worship openly so our worship was in secret and that's how Mount Pisgah started and we're proud that Mount Pisgah has been around all these years."

The week is finally here!! The Humanities Festival is kicking off this Thursday with a opening reception at the Orangeburg County Fine Arts Center (*invitation only event). Followed by events and activities to celebrate the arts and humanities of "The Garden City" - Orangeburg, South Carolina.

See the schedule of events below ?? and find out more on the events and activities here: tinyurl.com/schfestival

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The South Carolina Humanities Festival continues Saturday with an author exhibition, children’s story time, a cooking class and more events.

The Trunk or Treat event has been rescheduled to Monday afternoon due to inclement weather.

Orangeburg County Fair offering new rides for all ages this year

Some of the new rides include a baby Ferris wheel, tilt-a-whirl and one called carnage.ORANGEBURG COUNTY, S.C. — The Orangeburg County Fair is getting ready to get underway, and people who go will see a number of new rides.The fair board hired a new ride company, Lisko Family Amusements, that will offer new attractions for kiddies, teenagers and adults.So...

Some of the new rides include a baby Ferris wheel, tilt-a-whirl and one called carnage.

ORANGEBURG COUNTY, S.C. — The Orangeburg County Fair is getting ready to get underway, and people who go will see a number of new rides.

The fair board hired a new ride company, Lisko Family Amusements, that will offer new attractions for kiddies, teenagers and adults.

Some of the new rides include a baby Ferris wheel, tilt-a-whirl and one called carnage.

Lin Hair is the president of the Orangeburg County Fair Association President Lin Hair says they are continuing to grow the fair each year.

“We’re bigger this year,” Hair said. “We’ve got all the exhibits full, we got more animals in the barn this year and more rides, so we are building it back up from the years.”

In addition to the new rides, guests will be able to see exhibit, including a 200-pound watermelon.

There are new safety protocols in in place for the fair, as well as a clear bag policy and metal detectors. Children under the age of 16 are required to sign in with parents and will receive matching wristbands.

RELATED: New safety rules in place for Orangeburg County Fair

Orangeburg Public Safety Chief Charles Austin says this new safety feature will help with problems during the fair.

"Sometimes in the past we have had issues with young adults who were not with adults,” Austin said. “And they gathered, and there were issues that became problematic."

Lieutenant Danny Dantzler also hopes this precaution will help reduce the number of lost children.

"We're not saying they have to hold their hands the whole time,” said Dantzler. “But at least in close proximity."

The fair admission gates open Tuesday at 5 p.m. and the fair ends on Sunday evening.

New clinic brings health care to South Carolina’s underserved Orangeburg-area community

Download imageClemson Rural Health continues to expand health care services to South Carolinians with the opening of a new clinic in Orangeburg. The Clemson Health Clinic at Orangeburg (CHC-O) is the third Clemson-run clinic to open and will provide life-saving services in a largely underserved part of the state, both through fixed health care facilities and mobile health units.E...

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Clemson Rural Health continues to expand health care services to South Carolinians with the opening of a new clinic in Orangeburg. The Clemson Health Clinic at Orangeburg (CHC-O) is the third Clemson-run clinic to open and will provide life-saving services in a largely underserved part of the state, both through fixed health care facilities and mobile health units.

Elected and appointed officials who attended a May 25 ribbon-cutting hailed the partnerships that made the clinic a reality and celebrated its opening as transformative.

Clemson Rural Health is part of the Clemson University College of Behavioral, Social and Health Sciences and an extension of the University’s land-grant mission.

Clemson Rural Health has served the Lowcountry for over a decade through mobile health clinics but was restricted by travel distances from their home base in Walhalla. This new hub clinic, located at 1181 Hutto Street in Orangeburg, will allow Clemson to have a consistent and elevated impact on the health and well-being of Orangeburg, Bamberg, Barnwell and Calhoun counties.

The full-time, fully staffed primary care facility will provide in-person appointments, telehealth and remote patient monitoring along with two mobile health units for outreach into rural counties, and a highly qualified, multidisciplinary team to the community. Led by nurse practitioner, Donna Atkinson, a prominent certified diabetes care and education specialist in the region, the clinic will heavily focus on chronic disease prevention and management.

The May ribbon-cutting event included tours of the brick-and-mortar clinic and its brand-new mobile health units, free blood pressure checks, a healthy cooking demonstration and refreshments.

More information about the future of the CHC-O and Clemson Rural Health’s impact on the state of South Carolina can be found in the 2022 Fiscal Year Impact Report.

The Clemson Health Clinic at Orangeburg is open Monday through Friday from 8 a.m. to 4:30 p.m. To schedule an appointment, call 803-516-4227. Learn more at clemsonruralhealth.org.

More information about the future of the CHC-W and Clemson Rural Health’s impact on the state of South Carolina can be found in the 2022 Fiscal Year Impact Report.

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