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.
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 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.
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 Orangeburg, 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.
A Midlands man said winning a $2 million prize in a recent Mega Millions drawing won’t change him, according to S...
A Midlands man said winning a $2 million prize in a recent Mega Millions drawing won’t change him, according to South Carolina Education Lottery Officials.
The winner said he remained calm and collected as he realized he’d won a seven-figure jackpot on the Mega Millions ticket he bought in Orangeburg, lottery officials said in a news release.
In fact, he was able to go to bed after learning he’d just won a big prize, according to the release.
The winner watched the late-night July 14 drawing on TV, writing down the winning numbers as they were called, checked his ticket and then went to sleep, lottery officials said.
The winning numbers from that drawing were 10, 24, 48, 51, 66 and Megaball: 15.
The Midlands man’s ticket matched all five of the numbers on the white balls that were drawn for a $1 million jackpot, lottery officials said. Because he paid an additional dollar for the Megaplier option, his prize was doubled when that number was a 2, according to the release.
The odds of matching five white balls for the $1,000,000 prize are 1-in-12,607,306, according to the release.
The winner will be allowed to retain some privacy, as South Carolina is one of 11 states — along with Arizona, Delaware, Georgia, Kansas, Maryland, New Jersey, North Dakota, Ohio, Texas and Virginia — that allow lottery winners to remain anonymous.
The man did not say what he’d do with his newfound windfall, but told lottery officials that he’s not letting the big win change him.
He purchased the Mega Millions game for $2 at the Gaz-Bah gas station/convenience store at 951 Chestnut St., according to the release. That’s near the South Carolina State University campus.
The Gaz-Bah convenience store received a commission of $20,000 when the winning ticket was turned in to lottery officials, according to the release.
A little more than two weeks after selling the $2 million winning ticket, the same convenience store another winner from the Aug. 1 Mega Millions drawing. This time, a ticket that matched four of the five white ball numbers and the gold Megaball number was good for a $10,000 prize, according to lottery officials.
The next Mega Millions drawing will be held on Tuesday night, when a $33 million grand prize will be on the line.
The odds of winning the Mega Millions jackpot are 1-in-302 million.
In a breaking news situation, facts can be unclear and the situation may still be developing. The State is trying to get important information to the public as quickly and accurately as possible. This story will be updated as more information becomes available, and some information in this story may change as the facts become clearer. Refresh this page later for more updated information.
ORANGEBURG COUNTY, S.C. (WIS) - New details following a plane crash out of Orangeburg County show what a man witnessed moments before the aircraft went down.Officials with the Federal Aviation Administration (FAA) said it was a “Beechcraft Bonanza 35″ that crashed in a field behind Bethel Fellowship church before catching fire and killing the pilot.The pilot declared an emerg...
ORANGEBURG COUNTY, S.C. (WIS) - New details following a plane crash out of Orangeburg County show what a man witnessed moments before the aircraft went down.
Officials with the Federal Aviation Administration (FAA) said it was a “Beechcraft Bonanza 35″ that crashed in a field behind Bethel Fellowship church before catching fire and killing the pilot.
The pilot declared an emergency engine failure before the accident, the FAA said.
“I saw it fly right above me,” said Jessie Apple who was working in his shed outside when he saw the plane just seconds before it crashed, “I noticed it was pretty low, but I didn’t think much of it.”
The crash happened Saturday morning, according to the FAA.
Investigators said the aircraft took off from Lowcountry Regional Airport in Walterboro and was heading to Jim Hamilton – LB Owens Airport in Columbia.
“I just wished that it wouldn’t have ended that way. I wish it would’ve ended safer. I don’t know if anyone could’ve helped, but it is scary that it could’ve hit anyone around here,” said Apple.
The accident happened 11 miles away from the Orangeburg Municipal Airport. Apple said where his home is located it’s not unusual to see planes flying over his house.
“Yeah, I see the military jets all the time and with the airport, but I mean this wasn’t an airline. I noticed that,” said Apple.
Investigators were on the scene Saturday night looking for surveillance footage, collecting witness statements, and documenting the accident site.
Because that plane caught fire, Orangeburg County Coroner Samuetta Marshall said they will not identify the victim just yet. An autopsy is scheduled for Tuesday.
The National Transportation Safety Board said the preliminary report, which will detail the facts and circumstances of the accident, is expected in 2-3 weeks.
The final report, including the probable cause and any contributing factors, is scheduled for 12-24 months.
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Surgeon Lucius Craig, M.D., chief of the medical staff at what was the Regional Medical Center in Orangeburg, is happy that it’s now part of MUSC Health. “This is going to improve care in this area for today and for our children's grandchildren, in this area. That is amazing, and we're all a part of that,” Craig said at a ceremony marking the occasion.“This is a part of history. Local and county officials, and also the state legislators, saw the importance of the role that this hospital plays in the delivery of...
Surgeon Lucius Craig, M.D., chief of the medical staff at what was the Regional Medical Center in Orangeburg, is happy that it’s now part of MUSC Health. “This is going to improve care in this area for today and for our children's grandchildren, in this area. That is amazing, and we're all a part of that,” Craig said at a ceremony marking the occasion.
“This is a part of history. Local and county officials, and also the state legislators, saw the importance of the role that this hospital plays in the delivery of care in this area and in South Carolina. To that effect, we explored options for an affiliation with a larger health care system. Ultimately, we determined that MUSC will be the most beneficial option.”
The Regional Medical Center and MUSC Health reached a long-term lease and operations agreement, announced on March 1. The goal is to improve research and access to health care in rural areas and communities that don’t have enough medical options. MUSC Health will run not only the Orangeburg hospital but also an Emergency Department in Barnwell and clinics serving patients in Orangeburg, Calhoun and Bamberg counties.
Many speakers at the celebration credited the deal to the efforts of state Rep. Gilda Cobb-Hunter. She’d been worried about the hospital’s financial well-being and future and was thrilled to see it join MUSC Health.
“Do y'all know that less than 10 months ago, this proviso, y'all, was inserted into the state budget, suggesting to MUSC that they create this partnership? And Lord, here we are less than a year later,” Cobb-Hunter told the crowd gathered in a tent on the Orangeburg hospital’s campus.
The partnership was also welcome news to James Lemon, D.M.D., chairman of the Board of Trustees at the Medical University of South Carolina, for personal reasons. “My hometown Barnwell, South Carolina, is 35 miles from here. So this area is very close to my heart. I've been treated in this hospital. It is close to many of you today, and this is a momentous occasion for those of us who have lived here and live here,” he said.
“We have a higher purpose as our state's only comprehensive academic health system. It's a great privilege, duty and responsibility to the citizens of South Carolina to deliver outstanding – outstanding – health care, educate future health care providers, and through research, we must help increase and improve the health and wellness of our entire state.”
A fellow MUSC Board of Trustees member, Barbara Johnson-Williams, spoke as well. She lives in Orangeburg, sometimes called “the Garden City.” It’s home to between 12,000 and 13,000 people and has two well-known college campuses: Claflin University and South Carolina State University as well as Orangeburg-Calhoun Technical College.
“This community deserves respect, compassion, collaboration, integrity and innovation. And at its core, these values are what drive MUSC forward and make necessary advances, changes and improvement in local care delivery,” she said.
“I'm thrilled that as a result of this new relationship, our community is going to have health care, as it's so richly deserved, right here in our backyard with an unprecedented level of connectivity to the highest specialized care that MUSC is known for.”
State Rep. Russell Ott was equally jubilant, calling the event a historic celebration. State Sen. Vernon Stephens drove the point home, praising the fact that rural health care is improving in quality and becoming more accessible and affordable.
“When you look at the Regional Medical Center and where we were and where we should have been and where we are going, you can only say, ‘Thank God,’ for he has truly smiled down upon us. And it is our day; it is our day to be excited about living in rural South Carolina,” Stephens said.
MUSC President David Cole, M.D., emphasized the value of having good care close to home. “We know that strong health care facilities are often at the heart of a community's long-term success. My belief is together we'll be able to ensure the health care and well-being of this community and be an asset for the economic growth and the economic future. I have high confidence that we will succeed as we continue to move forward. This new relationship today is a key first step.”
MUSC Health CEO Patrick Cawley, M.D., described what the relationship will mean for the Orangeburg hospital and its affiliated clinics. “First, we're going to recruit more physicians, more nurses, more allied health workers to meet specific community needs most effectively. Second of all, we'll develop and apply best practices to improve care delivery and to decrease health disparities. Third of all, we'll look at implementing and expanding telehealth services and use technology to enhance quality, safety and access to care,” Cawley said.
“It also means offering health care providers and clinical staff training and skilled development opportunities. It also means establishing future graduate medical education opportunities, which is important for MUSC.”
Cole later toured the Orangeburg hospital with chief operating officer Sabrina Robinson. She said she’s excited about the changes coming to her campus. One key change sprang to mind. “Access. Access for our patients, bringing them back home. Bringing our employees back home. Employees and patients both leave the market. So we’ll be able to care for them here.”
Employees on hand for the celebration enjoyed snacks and got MUSC Health bags and other gifts to mark their new affiliation. That included certified nursing assistant Rosalind Curry. “I think it’s going to be an awesome time. I think it’s going to be really good,” she said.
Crystal Frazier, an onboarding coordinator in Human Resources, said the agreement means new ways of working. “I like it. It’s so different from what we had. The programs, the process of onboarding and orientation. Systems also.”
Craig, the surgeon who led the celebration, said the new ways are welcome. “This is a win-win for this community and also for MUSC.”
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Daily Covid-19 admissions in the Orangeburg County areaAbout the dataData is from the Centers for Disease Control and Prevention. Hospitalization data is a daily average of Covid-19 patients in hospital service areas that intersect with Orangeburg County, an area which may be larger than Orangeburg County itself.The number of daily hospital admissions shows how many patients tested positive for Covid in hospitals and is one of the most reliably reported indicators of Covid’s impact on ...
Data is from the Centers for Disease Control and Prevention. Hospitalization data is a daily average of Covid-19 patients in hospital service areas that intersect with Orangeburg County, an area which may be larger than Orangeburg County itself.
The number of daily hospital admissions shows how many patients tested positive for Covid in hospitals and is one of the most reliably reported indicators of Covid’s impact on a community.
Share of I.C.U. beds occupied
About this data Source: Centers for Disease Control and Prevention. Notes: The hospitals map shows the average I.C.U. occupancy at nearby hospitals in the most recent week with data reported. The data is self-reported to the U.S. Department of Health and Human Services by individual hospitals. It excludes counts from hospitals operated by the U.S. Department of Veterans Affairs and the Indian Health Service. Numbers for hospitalized patients are based on inpatient beds and include I.C.U. beds. Hospitalized Covid-19 patients include both confirmed and suspected Covid-19 patients. The C.D.C. stopped reporting data on cases in May 2023.
About this data Source: Centers for Disease Control and Prevention. Notes: Weekly county death data prior to Jan. 2021 was not reported by the C.D.C. and is sourced from reporting by The New York Times. Hospitalization data is a weekly average of Covid-19 patients in hospital service areas that intersect with Orangeburg County. Hospitalization numbers early in the pandemic are undercounts due to incomplete reporting by hospitals to the federal government.
The data in these charts has been archived and they are no longer being updated.
Source: Centers for Disease Control and Prevention. The data in these charts has been archived and they are no longer being updated. Weekly county case data prior to Jan. 2021 was not reported by the C.D.C. and is sourced from reporting by The New York Times. The C.D.C. stopped reporting data on cases in May 2023. Test positivity data is based only on test results reported to the federal government and is a seven-day average.
Milestone Achievement to Service Leading Pet Retail Franchise Brands, Create Hundreds of Jobs in the CommunityORANGEBURG, S.C., May 19, 2023 /PRNewswire/ -- Pet Supplies Plus, the nation's leading, full-service pet retail company, celebrated the grand opening of their state-of-the-art distribution center on Friday, May 19. Located at 122 Palmetto Commerce Parkway...
Milestone Achievement to Service Leading Pet Retail Franchise Brands, Create Hundreds of Jobs in the Community
ORANGEBURG, S.C., May 19, 2023 /PRNewswire/ -- Pet Supplies Plus, the nation's leading, full-service pet retail company, celebrated the grand opening of their state-of-the-art distribution center on Friday, May 19. Located at 122 Palmetto Commerce Parkway in Orangeburg, the new center is a milestone achievement for the franchise company and for South Carolina. Present at the grand opening celebration were: Chris Rowland, President and CEO of Pet Supplies Plus; Johnnie Wright, Sr., Chairman of the Orangeburg City Council; Kenneth Middleton, Chairman of the Orangeburg County Development Commission, among others. The grand opening included a ribbon cutting ceremony, remarks from Rowland and Wright, and had more than 100 people in attendance.
The new 534,700 square-foot distribution center is part of the company's $54 million investment that was announced last summer, further expanding its distribution capabilities across the Southeast. With over 700 store locations across 42 states combined, the new distribution center will service Pet Supplies Plus stores as well as its recently acquired company, Wag N' Wash stores.
"Opening our fourth distribution center in the U.S. is a pivotal moment for our brand, and one our team and the community of Orangeburg alike is thrilled about," said Chris Rowland, President and CEO of Pet Supplies Plus. "While we grow on a national scale, we prioritize being engrained in each community we're a part of. This will remain evident with the distribution center as we provide hundreds of jobs to those in South Carolina."
As Pet Supplies Plus continues to grow at rapid rates across the country, the distribution center will fill a crucial role in fulfilling consumer's needs in stores. While a pivotal growth point for the franchise, Orangeburg County and South Carolina overall will also reap benefits. Once fully staffed, the distribution center will create more than 275 full and part-time jobs. For those interested in learning about career opportunities at Pet Supplies Plus, visit https://www.petsuppliesplus.com/about-us/careers.
"We are excited to celebrate the newest addition to Orangeburg County with the grand opening of the Pet Supplies Plus distribution center," added Johnnie Wright, Sr., Chairman of the Orangeburg City Council. "We are grateful to Pet Supplies Plus for selecting our community and the Shamrock Commerce Park for their newest distribution center and for creating great employment opportunities for our citizens. We look forward to having the brand become a part of our community."
Founded in 1988, Pet Supplies Plus, a subsidiary of Franchise Group, Inc., is the largest independent pet store in the United States, offering customers a wide selection of natural pet foods, goods and services. Located in 42 states, Pet Supplies Plus and Wag N' Wash have over 700 retail stores across the country.
About Pet Supplies Plus
Your neighborhood Pet Supplies Plus has everything you need for your furry, scaly and feathery friends. Our shelves are stocked with the right products, including a wide selection of natural and made in the USA products. Easily find all their favorites at prices you love, whether you shop with us in store or online using free curbside pickup, same-day delivery or Autoship. To help keep your pets happy and healthy, pet prescriptions can be filled online and delivered directly to your door. As the nation's largest independent pet store with nearly 700 locations in 42 states and counting, we make shopping local simple. For more information visit www.petsuppliesplus.com.
About Wag N' WashWag N' Wash Natural Pet Food & Grooming, a full-line dog grooming and self-wash specialty retail destination, has a mission to recognize, promote and foster the positive impact that companion pets and their humans have on each other. Wag N' Wash provides full-service grooming, self-wash facilities, baked dog treats, natural food, supplements, and toys. In 2020, Wag N' Wash was ranked on Denver Business Journal's Colorado-Based Franchisors List, Franchise Times Top 200+ List and Included on Franchise Gator's Top 100 Franchisees List for the third year. Today, there are 25 Wag N' Wash locations open across the nation. To learn more about Wag N' Wash, please visit https://www.wagnwashfranchising.com/.
About S.C. Department of Commerce
As South Carolina's leading economic development agency, the Department of Commerce works to recruit new businesses and help existing business grow. S.C. Commerce has recruited world-class companies to South Carolina such as BMW, Boeing, Continental, Giti Tire, LPL Financial Holdings, Mercedes-Benz Vans, Samsung, Toray and Volvo Cars and also supports startups, small and existing business, innovation and rural development initiatives. S.C. Commerce partners with the S.C. Technical College System via readySC to support workforce training and recruiting, and with the S.C. Department of Employment and Workforce, which provides worker training and employment opportunities within the state. With a strong international footprint, the Palmetto State has consistently been among the top in the nation for attracting jobs through foreign direct investment on a per capita basis – recognized by multiple economic development publications for its pro-business climate. For more information, visit www.SCcommerce.com.
For more information, please contact:
Merle Johnson, Executive Director
Orangeburg County Development Commission
125 Regional Parkway, Suite 100
Orangeburg, SC 29118
Media Contact: Marisa Beaumont, Fishman Public Relations, (847) 945-1300 or firstname.lastname@example.org
SOURCE Pet Supplies Plus