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Mortgage Broker in Orangeburg, SC

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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

Despite storm, students in gardening class growing up alongside plants in Orangeburg Co.

COPE, S.C. (WCIV) — A new Garden Club class at an Orangeburg County School District is rebuilding their greenhouse, after a recent storm damaged two of them.“It got destroyed,” Carver-Edisto Middle School 8th grade student Taylor Mack said. “We couldn’t even put it back up.”The remaining greenhouse suffered damage, including tears and rips.READ MORE: ...

COPE, S.C. (WCIV) — A new Garden Club class at an Orangeburg County School District is rebuilding their greenhouse, after a recent storm damaged two of them.

“It got destroyed,” Carver-Edisto Middle School 8th grade student Taylor Mack said. “We couldn’t even put it back up.”

The remaining greenhouse suffered damage, including tears and rips.

READ MORE: Orangeburg man's own civil rights museum to get larger space

The nine students enrolled in the class are now building a sturdier greenhouse, with the help of the Orangeburg County Sheriff’s Office.

Deputy Quentin Williams helped to start the club with the students. He said the students’ progress has been tremendous.

“Some of our kids have had behavioral issues, especially last year and the year before, but this year, since they’ve been doing this: nothing. Not one thing,” he said.

Many of the students said they find their time in the garden to be calming and peaceful.

“In my 7th grade year, I was more on the troubled side. I would constantly stay in trouble,” 8th grade student Juan Still said. “When you’re in Garden Club, you have to have good grades, you can’t get in any trouble. So, I have very good grades now and I haven’t gotten into trouble.”

READ MORE: Renowned filmmaker Julie Dash to speak at International African American Museum

Deputy Williams said some 8th grade students who will be moving to the high school next year are considering returning to the garden to mentor the new batch of students.

The students are responsible for watering, fertilizing and picking the vegetables, including broccoli, collards, cauliflower and onions.

Eighth grade student Ethan Spigner created a wooden sign with the phrase “Watch Me Grow” on it.

“It’s like our slogan,” he said.

In addition to the new greenhouse, the class is planning to add chickens and quails to their garden. Over the summer months, student will return to the school on a rotating basis to care for the animals and plants.

READ MORE: Local man preserves Lowcountry's sweetgrass basket heritage one weave at a time

“I’m really, really proud of them,” Deputy Williams said. “I think that’s what I want everyone to know and just see: actually understanding how far they’ve come.”

The program was initially started through the MUSC Boeing Center for Children’s Wellness.

‘We know her smile’: Family of missing Holly Hill woman finds human remains

ORANGEBURG COUNTY, S.C. (WCSC) - The family of a woman who has been missing since August says they are infuriated after finding exposed remains they believed to be hers.Melissa Aguilar, 49, of Holly Hill, was last in contact with family on Aug. 17, according to Orangeburg County Sheriff Leroy Ravenell.Aguilar’s sister, Sarah Shipman, says investigators told her Thursday that remains w...

ORANGEBURG COUNTY, S.C. (WCSC) - The family of a woman who has been missing since August says they are infuriated after finding exposed remains they believed to be hers.

Melissa Aguilar, 49, of Holly Hill, was last in contact with family on Aug. 17, according to Orangeburg County Sheriff Leroy Ravenell.

Aguilar’s sister, Sarah Shipman, says investigators told her Thursday that remains were found in Holly Hill, less than half a mile from Aguilar’s home.

After asking neighbors for an approximate location, she and Aguilar’s two daughters, Brittany Ranew and Shanna Brown, went to the site the next day, hoping for closure.

“As I was hugging my nieces and consoling them, I looked down and found my sister’s jawbone between my feet,” Shipman says.

After rushing her nieces out of the woods, Shipman says she returned to the site.

“I went back out there to see if that was what I had really seen, I found her dental work and close to 20 more pieces of my sister that they had walked over and left behind,” she says.

The Orangeburg County Sheriff’s Office has not confirmed the remains are Aguilars. They say they’ve been sent to SLED for processing and identification.

“We know her smile, and that smile was in the dirt, and you don’t unsee that, and you know someone’s smile,” she says.

Shipman says investigators promised to collect the rest of the remains Monday. When she and Brown returned to the scene Tuesday, they found what appeared to be several more bones and a tooth.

“I knew, there was something telling me there was more,” Shipman says.

They immediately altered authorities again.

Ranew describes her mother as the glue of the entire family.

“It’s hard to list all the amazing things about her because she was so much more than anyone could describe,” Ranew says.

Brown says there are no words to describe the pain of losing a mother.

“My 6-year-old is constantly asking me, ‘Why is Mamie on the news?’ and then my 1-year-old is not going to remember her. I’m going to have to remind him of who she was, she’s going to miss my wedding day,” Brown says.

Shipman says the lack of care from the Orangeburg County Sheriff’s Office through the entire investigation has “traumatized” their family.

“If the Sheriff’s Department is not capable of doing a job correctly, leaving my sister behind, they should own up and call in outside resources,” Shipman says.

The Orangeburg County Sheriff’s Office did not respond to the family’s claim that they mishandled the investigation.

“The investigation into Ms. Melissa Aguilar going missing is an active and ongoing investigation,” Sheriff Leroy Ravenell said in an email. “We are still asking the public for any information regarding Ms. Aguilar. If you have any information in this case, you are urged to contact us.”

Copyright 2024 WCSC. All rights reserved.

Investigation underway by DHEC regarding unlicensed facility in Orangeburg, South Carolina, officials say

ORANGEBURG, S.C. —The South Carolina Department of Health and Environmental Control is investigating an unlicensed facility.(Video above: Evening headlines from WYFF News 4)Officials say on Thursday, DHEC, along with other state and local agencies, began an investigation on three alleged unlicensed community residential care facilities in Orangeburg.According to officials, DHEC staff cited one facility for operating without a license, which is a violation of state s...

ORANGEBURG, S.C. —

The South Carolina Department of Health and Environmental Control is investigating an unlicensed facility.

(Video above: Evening headlines from WYFF News 4)

Officials say on Thursday, DHEC, along with other state and local agencies, began an investigation on three alleged unlicensed community residential care facilities in Orangeburg.

According to officials, DHEC staff cited one facility for operating without a license, which is a violation of state statutes and regulations.

During the investigation, DHEC discovered that staff at the unlicensed facility were offering room and board and provided personal care for residents, officials say.

According to officials, investigators also found that residents were locked in rooms with no way of exiting without assistance. According to DHEC, that poses a risk in the event of a fire or medical emergency.

DHEC says authorities were able to place the residents of the unlicensed facility into emergency protective custody, and they have since been relocated to appropriate facilities to ensure their safety.

Based on the investigations of the other two facilities, DHEC staff did not find that they were being operated as community residential care facilities, according to officials.

DHEC says individuals living at those facilities were not receiving assistance with day-to-day living, so officials considered these facilities to be apartments.

Officials say the unlicensed facility submitted a plan of correction that was accepted by DHEC’s Bureau of Health Facilities Licensing.

“It is the responsibility of long-term care facilities to operate in compliance with all applicable state and federal laws, regulations and permits,” said DHEC’s Director of Health Care Quality, Gwen Thompson. “Our ultimate goal is for all of our state’s long-term care facilities to operate in accordance with these laws and regulations, which exist to establish safe standards for protecting the health of the residents they care for, as well as their staff. If a facility creates a dangerous living condition, we will take immediate and decisive action to protect residents, who are always our top priority.”

99-year-old among five victims discovered in 'deplorable conditions'

“I am deeply disturbed by the deplorable conditions in which we found the victims involved in these heinous crimes against humanity,” said Orangeburg Department of Public Safety Chief Charles Austin, Sr. “I commend Sergeant Deloris Edmunds and the team that worked with her to investigate and uncover the atrocities that were committed against some of our vulnerable citizens whose families entrusted the personal care of their loved ones to the suspects and their trust was betrayed.”ORANGEBURG CO...

“I am deeply disturbed by the deplorable conditions in which we found the victims involved in these heinous crimes against humanity,” said Orangeburg Department of Public Safety Chief Charles Austin, Sr. “I commend Sergeant Deloris Edmunds and the team that worked with her to investigate and uncover the atrocities that were committed against some of our vulnerable citizens whose families entrusted the personal care of their loved ones to the suspects and their trust was betrayed.”

ORANGEBURG COUNTY, S.C. (WACH) — Investigators with the Orangeburg Department of Public Safety (ODPS) say five vulnerable adults ranging in age from 52 to 99 were in imminent danger when they were found in heavily soiled undergarments in the back of a Broughton Street barbershop.

During the December 27 investigation, officials say they were told that a man inside a closet room area ate himself to death and passed away on Christmas Eve, according to the incident report.

ODPS officials say bond was set a $30,000 for 40-year-old Shaneima Montgomery of Saint George on January 5 in connection to the crimes.

The Lemon Drive woman was arrested on January 4 and is charged with five counts of neglect and financial exploitation of a vulnerable adult.

Montgomery was allegedly receiving varying payment amounts for the victims' care at the Broughton Street and a location on Lovell Street.

According to an incident report, Montgomery is the owner of Blue Ink Sign Inc (487 Broughton Street) and is registered with the South Carolina Secretary of State as a nonprofit.

The use of the business is listed as administrative management and general management consulting services.

ODPS investigators were conducting a follow up from December 19 when they say the victims were found.

At the time of the initial visit, investigators say they saw a customer get a haircut and a Business and Professional License to Jerry's Professional Barber (967 Russell St., 29115) on the wall.

According to the incident report the victims were identified as a 99-year-old Black female, a 52-year-old Black female, an 80-year-old white male, 63-year-old white male, 73-year-old white male.

The door of one of the victims was locked from the outside preventing them to leave the room and a box of used needles were found on the floor of another victim.

The incident reports also states:

These are just some of the reasons this building is deemed unsafe for the vulnerable adults; however, there are many more, the incident report states.

All the victims were taken to MUSC Health Orangeburg for treatment.

The Orangeburg Department of Public Safety is still investigating the case.

A Town Wings in Orangeburg will have to move to make space for the new county courthouse

The county will spend $600,000 to purchase the lot on 886 John C Calhoun Drive and the adjacent parking lot.ORANGEBURG COUNTY, S.C. — The expansion of the Orangeburg County courthouse complex continues with the purchase of ATown Wings. It’s a move the county says is necessary to give them more room to do their work.Last week the Orangeburg County council authorized...

The county will spend $600,000 to purchase the lot on 886 John C Calhoun Drive and the adjacent parking lot.

ORANGEBURG COUNTY, S.C. — The expansion of the Orangeburg County courthouse complex continues with the purchase of ATown Wings. It’s a move the county says is necessary to give them more room to do their work.

Last week the Orangeburg County council authorized the $600,000 purchase of the restaurant and the parking lot beside it. The county plans to use the land for green space and additional parking.

Donna Miller is a frequent customer at ATown Wings and says she hopes to see ATown stay in Orangeburg.

"I will say I am happy the fact that Orangeburg is growing and some of these dilapidated buildings, said Miller. “They're taking them down and trying to make Orangeburg look better. However, A Town Wing is a place that is very convenient for people who are working even the students to come and get something to eat fast and it absolutely tastes delicious so it's a bitter sweet situation right now.

RELATED: Hotel coming down to make way for Orangeburg county's new courthouse parking lot

County Administrator Harold Young says the restaurants lease will stay until construction is ready for the county courthouse.

"We extended that lease until we're ready to demolish it,” said Young. “That will give them time to decide whether they want to.. where they're next location will be. We hopefully that they won't close down, they'll just move somewhere else cause there are a lot of people who like their product."

RELATED: Orangeburg County starts demolition for new courthouse

The county has already begun tearing down other buildings to get ready for the new courthouse…which will replace the one that’s been in existence since 1928.

"And with more space it would allow us to have court more frequently,” said Young. “Which would help us adjudicate criminals better and be better for the citizens of Orangeburg County."

Once construction begins, the county estimates the project will be completed in eighteen months.

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