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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 Palm Bay, FL, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Palm Bay'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 Palm Bay, 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 Services for Eric Gibson
Mortgage Broker for Kimberlee Puccio
Mortgage Company for Seth Seal
Refinancing for Rose Griest
Mortgage Lending Service for Michael McIntyre
Home Ready Mortgages for Ed Jones
Mortgage Lender for Ryan Moreau
Mortgage Services for Laura Fogarty
Mortgage Broker for Adam Jordan
Mortgage Company for Carolina Jordan (Lowcountry Home Sales)
Mortgage Lender for Stephen Lowe
Mortgage Lending Service for Glenn Shepard
Home Ready Mortgages for Manny Roblesreynoso
Mortgage Lender for Bernie H. Hester III
Mortgage Services for Tammy R Stephens
Why Choose Dan Crance As Your Mortgage Lender in Palm Bay, FL?
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.
Home Financing in Palm Bay, FL
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 Palm Bay, 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 Palm Bay, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.
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 Palm Bay, FL.
Refinancing in
Palm Bay, FL
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 Palm Bay, FL - 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:
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
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
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.
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.
Trust Dan Crance
Your Mortgage Lender in Palm Bay, FL
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 Palm Bay loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANLatest News in Palm Bay, FL
What Brevard city was named one of the best rising cities by Southern Living Magazine?
Michelle Spitzerhttps://www.floridatoday.com/story/news/local/2024/03/12/brevard-city-landed-southern-living-magazines-rising-cities-palm-bay/72929399007/
A Brevard city is being recognized by Southern Living Magazine as one of the South’s top rising cities in 2024.Palm Bay ranked No. 13 on the list of 25, which was compiled based on research, editors’ experiences and reader input.“These reader-selected cities have exc...
A Brevard city is being recognized by Southern Living Magazine as one of the South’s top rising cities in 2024.
Palm Bay ranked No. 13 on the list of 25, which was compiled based on research, editors’ experiences and reader input.
“These reader-selected cities have excellent food scenes, cool yet quaint downtown districts, incredible natural beauty, thriving arts communities, and the warmth our region is known for,” according to Southern Living Magazine.
It also noted the South is the most populous region in the country and accounted for 87% of the country’s growth in 2023.
What did Southern Living Magazine say about Palm Bay?
“Saltwater fishing and unspoiled nature have long been the draw of this sleepy Space Coast town. But big things are on the way with a major development project called Ashton Park that is projected to add thousands of homes and about 5 million square feet of retail and commercial space to the area.”
The publication boosted about Palm Bay’s proximity to the Atlantic Ocean and Indian River Lagoon as well as its accessibility to Orlando. It also mentioned the opportunities to fish, kayak and enjoy nature at Turkey Creek Sanctuary and Micco Scrub Sanctuary.
Several local restaurants also were recommended including Lazy Turtle, Memaw’s-Bar-B-Q and The Shack Riverfront Restaurant and Tiki Bar.
Any other Florida cities make the Southern Living Magazine top rising list?
There was just one other city in Florida that made the Southern Living Magazine best cities in the South on the rise in 2024.
That went to North Port, which ranked No. 21. North Port is a city of almost 90,000 in Southwest Florida’s Sarasota County.
What other cities made Southern Living Magazine’s top rising cities in the South for 2024?
Spitzer is a Trending Reporter. She can be reached at Mspitzer@Floridatoday.com.
Food, beauty and growth: 2 Florida cities make Southern Living list of best cities on the rise
Cheryl McCloudhttps://www.floridatoday.com/story/news/2024/03/20/southern-living-magazine-best-cities-on-rise-palm-bay-north-port-florida-make-top-25/73038471007/
Two Florida cities have made Southern Living's list for Best Cities on the Rise in 2024."These reader-selected cities have excellent food scenes, cool yet quaint downtown districts, incredible natural beauty, thriving arts communities, and the warmth our region is known for," South...
Two Florida cities have made Southern Living's list for Best Cities on the Rise in 2024.
"These reader-selected cities have excellent food scenes, cool yet quaint downtown districts, incredible natural beauty, thriving arts communities, and the warmth our region is known for," Southern Living said.
"And they’re not done growing. Each one has exciting new projects on the horizon."
Florida cities in top 25 of Southern Living's Best Cities on the Rise 2024
What Southern Living had to say about Palm Bay, Florida
"Saltwater fishing and unspoiled nature have long been the draw of this sleepy Space Coast town.
"But big things are on the way with a major development project called Ashton Park that is projected to add thousands of homes and about 5 million square feet of retail and commercial space to the area," Southern Living said.
Palm Bay ranks No. 13:What Brevard city was named one of the best rising cities by Southern Living Magazine?
Where is Palm Bay, Florida?
Palm Bay is located along Florida's East Coast, about 30 miles south of Cape Canaveral Space Force Station and 60 miles southeast of Orlando.
What Southern Living had to say about North Port, Florida
"Soak in natural mineral springs, explore an entire state forest, or head to vibrant downtown Wellen with its parks, restaurants, shops, community events, and more.
"It’s no wonder North Port was ranked the second fastest growing U.S. city in 2023 according to a recent study," Southern Living said.
Where is North Port, Florida?
North Port is located in Southwest Florida, about 60 miles south of Tampa and 110 miles southwest of Orlando.
What cities made Southern Living top 25 rising cities in the South?
South made up 87% of growth in US in 2023
The United States Census Bureau reported the South is the most populous region, accounting for 87 percent of America's growth in 2023.
How many people is that? The region added more than 1.4 million residents, bringing the population to 130,125,290, the U.S. Census reported.
"The South is the only region to have maintained population growth throughout the COVID-19 pandemic.""As more states experience population growth, that growth is no longer concentrated in only a few states. Four southern states — Texas, Florida, North Carolina and Georgia — accounted for 93% of the nation’s population growth in 2022, but only 67% in 2023."
Florida added 365,205 new residents, joining South Carolina as the two fastest-growing states in the country in 2023.
Methodology for Southern Living survey
An online survey was conducted by third-party agency Proof Insights among Southern Living consumers, asking them to rate their favorite places across the South for the South's Best Awards 2024.
The survey was conducted from July 12 to Aug. 23, 2023, and had over 20,000 respondents.
10th Annual Palm Bay Fair to Bring Fun to Florida’s Space Coast, March 29-April 7 With All New Free Admission
Space Coast Dailyhttps://spacecoastdaily.com/2024/02/10th-annual-palm-bay-fair-to-bring-fun-to-floridas-space-coast-march-29-april-7-with-all-new-free-admission/
SIMPLY WALK INTO THE FAIR AT NO CHARGE, located at Space Coast Harley-Davidson Fairgrounds are located at 1440 Sportsman Lane NE on 15 acres at the intersection of Interstate 95 and Palm Bay Road and is the ideal location for the community to enjoy the fair and all it has to off...
SIMPLY WALK INTO THE FAIR AT NO CHARGE, located at Space Coast Harley-Davidson Fairgrounds are located at 1440 Sportsman Lane NE on 15 acres at the intersection of Interstate 95 and Palm Bay Road and is the ideal location for the community to enjoy the fair and all it has to offer. Full alcohol bars will be available at the fair for persons over 21 to enjoy an adult beverages.
For public safety, children under the age of 18 must be accompanied by a parent to enter the fair at no charge, or pay the unlimited ride armband of $25 (Mondays-Thursdays) or $30 (Fridays-Sundays) to enter the fair.
The Palm Bay Fair is sponsored by Space Coast Harley-Davidson, Wade Amusements, Space Coast Daily, Palm Bay Hospital, All Points, Erdman Automotive and Budweiser and is sure to entertain for 10 fun-filled days, March 29-April 7, on the spectacular grounds of Space Coast Harley Davidson, right next door to the Bass Pro Shop.
PALM BAY FAIR SCHEDULE: Operating Hours: ? Monday- Thursday: 5 p.m. – 10 p.m. ? Friday: 5 p.m. – 11 p.m. ? Saturday: 1 p.m. – 11:30 p.m. ? Sunday: 1 p.m. – 10 p.m.
Call 1-855-386-3836, email contact@spacecoastdaily.com, or log on to PalmBayFair.com for more information.
YOU DECIDE TO RIDE:
FREE Admission, FREE parking: All adults and children are invited to the 2024 Palm Bay Fair at no charge. For public safety, children under the age of 18 must be accompanied by a parent to enter the fair at no charge, or pay the unlimited ride armband of $25 (Mondays-Thursdays) or $30 (Fridays-Sundays) to enter the fair.
FREE SHOWS INSIDE THE PALM BAY FAIR:
Experience The Wolves of The World Show
Test your skills and enter The Survivor Show on the Space Coast Daily Stage every day and night at the fair.
Enter The FARMily Feud Show: Shows every day and night of the fair at The Space Coast Daily Stage.
Enjoy live musical groups performing from the Space Coast Daily Stage.
Enter the Survivor Family Game Show on the Space Cost Daily Stage
Enjoy the hilarity of the Comedy Magic Show by Bob Bohme.
The Palm Bay Fair features Unlimited Rides or individual ride tickets are available.
Unlimited ride armbands are $25, Monday-Thursday or $30 per person Friday, Saturday and Sunday.
Individual ride tickets are available at ticket booths inside the Fair:
5 ride tickets for $7 30 ride tickets for $35 50 ride tickets for $50
Each ride takes 2-5 tickets, depending on the ride. Riding a lot? Buy the unlimited ride armband for $25 (Mondays-Thursdays) or $30 (Fridays-Sundays) and ride all the rides from open until close.FREE Admission, FREE parking: All adults and children are invited to the 2024 Palm Bay Fair at no charge. For public safety, children under the age of 18 must be accompanied by a parent to enter the fair at no charge, or pay the unlimited ride armband of $25 (Mondays-Thursdays) or $30 (Fridays-Sundays) to enter the fair.
Go to www.PalmBayFair.com for details.
Wire 3 Announces Fiber Optic Internet Expansion to Rockledge/Viera, Florida, and Surrounding Areas
Wire 3 Holdingshttps://www.prnewswire.com/news-releases/wire-3-expands-fiber-optic-internet-service-to-palm-bay-florida-and-surrounding-areas-301955144.html
PALM BAY, Fla., Oct. 12, 2023 /PRNewswire/ -- Wire 3, a provider of fiber optic internet as fast as the speed of light, is excited to announce its expansion to the city of Palm Bay, Florida, and its surrounding neighborhoods. This move marks a significant milestone in Wire 3's mission to connect communities across Central Florida with top-tier internet services, and makes Palm Bay the next 10-Gig city that Wire 3 will begin constructing.Wire 3 anticipates that its network in Brevard County will be an investment in the community of mor...
PALM BAY, Fla., Oct. 12, 2023 /PRNewswire/ -- Wire 3, a provider of fiber optic internet as fast as the speed of light, is excited to announce its expansion to the city of Palm Bay, Florida, and its surrounding neighborhoods. This move marks a significant milestone in Wire 3's mission to connect communities across Central Florida with top-tier internet services, and makes Palm Bay the next 10-Gig city that Wire 3 will begin constructing.
Wire 3 anticipates that its network in Brevard County will be an investment in the community of more than $150 million. As soon as segments of its network are completed, residents will be able to experience the true power of fiber optic technology. Wire 3's state-of-the-art infrastructure will bring unparalleled symmetrical internet speeds of up to 10 Gbps (10 gigabits per second or 10x what the cable company offers), seamless streaming, and reliable connectivity to homes and businesses alike.
"We are delighted to bring our high-speed internet service to Palm Bay and surrounding areas," said Jai Ramachandran, CEO of Wire 3. "Our goal is to empower communities with reliable and fast internet access, fostering growth and digital opportunities for all."
Wire 3's expansion to Palm Bay is not only about delivering exceptional internet experiences but also about becoming a valued partner in the city's progress. As a community-focused provider, Wire 3 is committed to supporting local businesses and contributing to the area's economic development.
The construction process will begin in the coming months, and Wire 3 is dedicated to ensuring a smooth and efficient deployment. Residents of Palm Bay and nearby regions can stay informed about the project's updates by visiting the Wire 3 website and signing up for the latest news.
Embrace this exciting new era of connectivity as Wire 3 continues to build stronger relationships, one community at a time.
For more information about Wire 3 and its services, please visit www.wire3.com or contact Ryan Dendievel.
About Wire 3: Wire 3 is a leading fiber optic internet provider in Central Florida, dedicated to delivering lightning-fast connectivity and exceptional customer service. With a focus on creating better online experiences, Wire 3 is committed to bridging the digital divide and enhancing the lives of communities.
Press Contact: Ryan Dendievel
Email: Ryan@wire3.com
SOURCE Wire 3 Holdings
Palm Bay to Hold Veterans Day Parade This Morning at 10 a.m., With Celebration to Follow
Steve Wilsonhttps://spacecoastdaily.com/2023/11/palm-bay-to-hold-veterans-day-parade-this-morning-at-10-a-m-with-celebration-to-follow/
BREVARD COUNTY, FLORIDA – The City of Palm Bay will be holding a Veterans Day Parade on Saturday, November 11, 2023, starting at 10:00 a.m. A Celebration will follow at Veterans Memorial Park, 2201 Port Malabar Blvd. NE, 1:00 p.m. – 5:00 p.m. Expect Road closures until approximately noon.The parade will start at Palm Bay City Hall and travel east on Malabar Road to Emerson Drive and south on Emerson Drive to Grandeur Street.Beginning at 9:00 a.m., Malabar Road will be closed in both directions from ...
BREVARD COUNTY, FLORIDA – The City of Palm Bay will be holding a Veterans Day Parade on Saturday, November 11, 2023, starting at 10:00 a.m. A Celebration will follow at Veterans Memorial Park, 2201 Port Malabar Blvd. NE, 1:00 p.m. – 5:00 p.m. Expect Road closures until approximately noon.
The parade will start at Palm Bay City Hall and travel east on Malabar Road to Emerson Drive and south on Emerson Drive to Grandeur Street.
Beginning at 9:00 a.m., Malabar Road will be closed in both directions from Minton Road to Emerson Drive. Emerson Drive will be closed in both directions from Malabar Road to Grandeur Street. The roadway will be reopened as soon as pedestrians exit the roadway and barriers are cleared following the parade. They estimate roads opening around noon.
Palm Bay Mayor Rob Medina, a Marine, who served his nation proudly, has a special message to Veterans.
“To every hero who has worn the uniform, leaving the comforts of home to defend our freedoms, we say thank you. Thank you for your selflessness, for the sacrifices you’ve made, and for the hardships you’ve endured. Your service has shaped our nation, protected our liberties, and preserved the values we hold dear. Your stories are the threads that have woven the fabric of our great nation, illustrating the true spirit of patriotism.”
ABOUT THE AUTHOR:
Steve Wilson was born in DeRidder, Louisiana and grew up in both New Orleans and Macon, Georgia. He moved to Brevard County in 1984 and retired from local government as the Community Advocate/Assistant to the City Manager with the City of Rockledge in 2018.
Among the awards and accolades Steve has received over the years are 15 + year Rockledge Little League volunteer, Brevard Public School Jefferson Award Recipient, Rockledge High School Raider Booster Award 2001, 2006, City of Rockledge Employee of the Year 2006, Rockledge Kiwanian of the Year 2006-2007, City of Rockledge Quality Public Service Award 2008, 2012, 2017, Rockledge Kiwanis Citizen of the Year 2012-2013, Space Coast Sports Hall of Fame – Sportscasting 2015, Rockledge High School Leadership and Service Award 2016, Central Florida Humanitarian Award 2017, Space Coast Inspiration Award – 2018, Space Coast Sports Hall of Fame – Lifetime Achievement – 2020 and Ecofest Achievement Award – 2022.
Wilson is especially proud of is chairing two fundraisers in support of pediatric cancer research through the St. Baldrick’s Foundation in honor of Merritt Island resident Julie Spurlock that raised over $25,000.00.
He has been a partner, along with Orville Susong, for the past 24 years with the Friday Night Locker Room, a broadcasting team that covers and reports on a wide variety of local events that are of significance to the residents of the Space Coast and beyond. Their mission is to promote youth sports, support first responders and law enforcement personnel, and showcase community and charitable events that are produced by our nonprofit partners in central Florida.
The Friday Night Locker Room has awarded hundreds of sports achievement plaques to Brevard County student-athletes over the years. They have also awarded more than $18,000 in academic scholarships to Brevard County high school seniors.
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