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 Park Circle, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Park Circle'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 Park Circle, 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 Park Circle, 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 Park Circle, 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 Park Circle, 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.
Charleston, South Carolina has been a mainstay on lists of America’s top destinations for nearly a decade, with its dramatic oaks and pastel-hued homes. Founded in 1660, the historic coastal city was the site of the first shots of the Civil War and has hosted the likes of Blackbeard and Edgar Allan Poe. Today, there are hundreds of incredible restaurants, with a high volume of James Beard Award winners.Visitors love snapping photos of Rainbow Row, a colorful section of some of the city’s oldest homes, and the historic mark...
Charleston, South Carolina has been a mainstay on lists of America’s top destinations for nearly a decade, with its dramatic oaks and pastel-hued homes. Founded in 1660, the historic coastal city was the site of the first shots of the Civil War and has hosted the likes of Blackbeard and Edgar Allan Poe. Today, there are hundreds of incredible restaurants, with a high volume of James Beard Award winners.
Visitors love snapping photos of Rainbow Row, a colorful section of some of the city’s oldest homes, and the historic market. Looking ahead to the future, the new International African American Museum will open in January 2023, honoring the legacy of the enslaved people forced to work on Charleston’s plantations.
I spent my twenties living in one of the country’s most beautiful places and have spent much of my career singing its praises. And while downtown has its charms, there’s more to the city than just the peninsula. To help you along should you be planning a visit, here’s how to plan the perfect Charleston weekend.
Charleston International Airport has a number of nonstop routes from major cities like Chicago, Seattle, Miami, New York City and Washington, D.C. Amtrak and Greyhound also have stops in North Charleston, an easy taxi ride from downtown. It’s a five-hour drive from Atlanta, Georgia and 3.5 hours from Charlotte, North Carolina.
Since travel and hospitality is the biggest industry in the city, visitors have a wealth of options when it comes to hotels. It really depends on your budget and which area you want to be based in.
Emeline is a stylish boutique hotel steps away from the city market and its many restaurants. That said, should you stay here, don’t miss Frannie & The Fox, the hotel’s restaurant with playful Italian fare and “cocktail windows” where you ring a bell and receive your drink from behind the wall. Their rooms also have record players and a selection of LPs to spin.
Across the bridge in the charming Old Village of Mount Pleasant, Post House is a seven-room boutique hotel and restaurant, the latter of which features incredible dishes like fish curry paired with locally-grown rice. Borrow one of their bikes to explore the neighborhood.
For unrivaled beach access, Wild Dunes on Isle of Palms is your best bet. The resort has two distinct hotels featuring large rooms with balconies, several restaurants, and activities like golf, tennis and a spa. Don’t miss The Nest, the rooftop bar, for tropical beverages and sunset views.
On your way into the city, detour to the oft-overlooked area of North Charleston, which is known for being home to the airport, an outlet mall and performing arts venues. But go a bit further and you’ll find Park Circle, a charming planned neighborhood with excellent restaurants like EVO Pizzeria and Jackrabbit Filly. Firefly Distillery, creator of the original sweet tea vodka (among many other spirits), relocated to the area a few years ago and offers live music and food trucks.
The old Charleston Naval Base is also worth a drive through. Since it was decommissioned in 1996, the buildings have been used as locations for television shows and movies as well as a music festival site. When you’re ready for a drink, it’s an easy drive to the city’s brewery district in what’s called “The Neck,” the stretch between North Charleston and the Eastside. Don’t miss Edmund’s Oast, an excellent brewery and restaurant specializing in German-style beers.
Most visitors flock to downtown Charleston to roam the cobblestone streets and admire the iconic row houses. While you’re here, start at the Charleston Museum, the nation’s oldest, dating back to 1773, which covers the history of the city with artifacts from before America’s founding. There are about a dozen historic homes you can tour, depending on your interest level. But the best option is wandering around by foot.
The Gibbes Museum of Art has pieces like sweetgrass baskets and art from the Charleston Renaissance, a period of creativity that followed World War I. The City Market sells a range of souvenirs, but it’s the sweetgrass baskets woven by Gullah artisans that are the most notable.
Charleston is known for its award-winning restaurants, but if you want to get into the hottest tables in town, like Husk or The Ordinary, you’ll need to nab a reservation or go early. If you can’t get a table, look for alternatives away from downtown like Leon’s Oyster Shop or Rodney Scott’s BBQ.
Cross the iconic diamond-shaped Ravenel Bridge to the community of Mount Pleasant. The Old Village neighborhood is like a time capsule, appearing on screen in The Notebook and Netflix’s Outer Banks. Explore on foot or borrow a bike to navigate the streets.
Shem Creek is the seafood capital of the city, with shrimp boats lining the water to provide the freshest ingredients to restaurants. You can’t go wrong with just about any of them, but The Wreck of the Richard and Charlene is a local legend, and still family owned. Go early to enjoy the sunset views over a local beer and Lowcountry fare like fried oysters and deviled crab. Nico is another option, with French-inspired and wood-fired dishes, and plenty of rosé. If you visit during the day, kayak the creek with one of the local outfitters to spot dolphins and countless species of bird.
Further into Mount Pleasant is Town Center, a typical suburban outdoor mall. But there are some great restaurants to detour to on your way east. Malika Canteen is among them, the first Pakistani restaurant in South Carolina. Get the thali, which lets you try a number of small dishes.
After a bite to eat, stop by Palmetto Islands County Park, a nearly 1,000-acre space with boardwalks over the marsh and bicycle paths. Bring your binoculars to spot birds and a picnic for when you get peckish.
You can’t come to Charleston without going to the beach! There are a number of options, but locals love laid-back Sullivan’s Island, a 15-minute drive from downtown. You’ll find that Middle Street is lined with bars and restaurants: Poe’s Tavern is named for Edgar Allan Poe, who was stationed at the nearby fort, and offers burgers and fish tacos; The Obstinate Daughter pulls from French, Spanish and Italian influences; and you can settle in for tropical drinks and wood-grilled shrimp at The Longboard.
Find a spot on the beach near the odd black-and-white Sullivan’s Island Lighthouse (Station 18 ½ is my favorite) or learn about the island’s role in the Civil War at Fort Moultrie. During World War I, the fort was used to watch out for submarines.
Since Sullivan’s Island doesn’t have hotels, plan on basing yourself on neighboring Isle of Palms, which has various stores if you need any essentials. Drive past the grand beachfront McMansions on your way to Wild Dunes Resort or start with a meal at one of the isle’s eateries.
Catch the sunset at The Boathouse at Breach Inlet, which focuses on local seafood. Islander 71 is found at the recently remodeled marina, where you can grab a bite before heading out on the water on a kayaking tour or hop across the creek to Goat Island. Finally, at the end of the night, catch live music at The Windjammer, a legendary local venue.
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A landmark motel on the edge of Charleston is under new ownership.The 57-room Creekside Lands Inn at 2545 Savannah Highway sold Oct. 14 for just over $5 million, according to Charleston resident Jack Davis of commercial real estate firm Marcus & Millichap.Davis bought the two-story structure with business partners through Charleston Creekside Inn LLC.He said the investment group plans to spend about $600,000 upgrading the 30-year-old lodging’s ...
A landmark motel on the edge of Charleston is under new ownership.
The 57-room Creekside Lands Inn at 2545 Savannah Highway sold Oct. 14 for just over $5 million, according to Charleston resident Jack Davis of commercial real estate firm Marcus & Millichap.
Davis bought the two-story structure with business partners through Charleston Creekside Inn LLC.
He said the investment group plans to spend about $600,000 upgrading the 30-year-old lodging’s rooms with new beds and furniture, making some cosmetic changes to the exterior and improving the landscaping. A later renovation of the bathrooms is expected to cost about $300,000.
He also plans to add a floating dock on Long Branch Creek, a tributary of the nearby Stono River, and add an area where visiting boaters can park their trailers.
The previous owner was an affiliate of Sunju Patel, founder of the Charleston-based Montford Group, which is building the 131-room Moxy hotel at 547 Meeting St.
Creekside Lands Inn last sold in 2007 for $2.2 million.
The West Ashley inn was recently used as one of the locations for the Netflix adventure series “Outer Banks.” It’s called the Summer Winds Motel on the show and is seen in the first episode after being badly hit by a hurricane.
Davis said he doesn’t plan to change the name of the boutique inn until the first phase of renovations are completed in about a year. He hasn’t decided on the name, but he is leaning toward Charleston Creekside Inn.
A North Charleston multifamily community with a whiff of NBA pedigree near Park Circle is under new ownership.
Atlanta-based ECI Group acquired the 271-unit Factory at Garco Park Apartments at 4993 O’Hear Ave on Oct. 17 for $72.25 million.
The previous owner, an affiliate of real estate investment firm RangeWater, formerly called Pollack Shores, also of Atlanta, bought the complex off East Montague Avenue in 2018 for nearly $52 million with Admiral Capital Group, co-founded by NBA great David Robinson, according to land records.
The purchase, deemed “a very high quality, exceptionally well-located asset in a top expansion market” by ECI chief acquisitions officer Scott Levitt, marks ECI’s first foray into the Charleston market. It has other Palmetto State assets in Greenville.
The company plans to self-manage and oversee additional improvements to the complex, which features studio and one- to three-bedroom units.
Amenities include a saltwater pool, outdoor kitchen and grill area, pavilion, fitness center, clubroom, conference room, dog park and pet spa, car-washing station, boat storage, fire pit and community bikes.
A new townhome development is in the works for the Cainhoy peninsula.
Tamarack Land Development of Minnesota wants to build 52 housing units on Travis Lane off Clements Ferry Road in the Charleston part of Berkeley County.
Clements Ferry Land SC LLC of Raleigh bought the 11.5-acre site adjacent to the 9,000-acre Point Hope mixed-use development in April for $459,000, according to public land records.
The land, on the northern side of Clements Ferry, is about halfway between Jack Primus Road and Point Hope Parkway, where a Publix supermarket is located.
NORTH CHARLESTON — Construction site banners circle the recreational space at the heart of Park Circle, currently undergoing a $20 million renovation that’ll add a special-needs playground, ball field, community center and outdoor pavilion.Up the street, the city is spending an additional $25 million to revamp the Danny Jones gym, pool and football field.On the northern edge of the community on the old Charleston Naval Base, North Charleston is almost finished with a $15 million pedestrian bridge that’ll expan...
NORTH CHARLESTON — Construction site banners circle the recreational space at the heart of Park Circle, currently undergoing a $20 million renovation that’ll add a special-needs playground, ball field, community center and outdoor pavilion.
Up the street, the city is spending an additional $25 million to revamp the Danny Jones gym, pool and football field.
On the northern edge of the community on the old Charleston Naval Base, North Charleston is almost finished with a $15 million pedestrian bridge that’ll expand the existing Riverfront Park.
All of the projects are slated to be completed by late 2023. But people don’t have to wait to visit Park Circle, one of the region’s most popular local destinations. While these latest projects are almost sure to draw more people to the growing community, the plans also serve as an indicator of Park Circle’s existing reputation as a vibrant corridor of restaurants, retail stores, wineries, breweries and mom-and-pop shops.
Though it’s not the destination hub that is downtown Charleston, Park Circle has no shortage of places to eat and drink, and parks to visit. In the past few decades, the neighborhood has been transformed from a sleepy residential community into a vibrant commercial hub.
On the food side of things, there’s something to eat at all times of day. In addition to providing tacos, sandwiches and other lunch options, Junction Kitchen & Provisions offers breakfast until 2 p.m. during the week, and 3 p.m. on weekends. Orange Spot Coffee has become a community favorite, frequented by business professionals and elected officials, who meet over hot coffee, cold brew and pastries.
A break from the warm weather might be found at Park Circle Creamery, where homemade ice cream comes in a variety of flavors. Customers have a choice between cups or waffle cones.
Like elsewhere across the Lowcountry, seafood restaurants have found their place in the community. The CODfather Proper Fish & Chips is a popular British eatery that offers north Atlantic cod fillets dipped in the restaurant’s own special batter, paired with delicious chips (fries). Nearby is Lola, where Cajun and Creole-style seafood can be enjoyed inside or on the restaurant’s patio.
If seafood isn’t your preference, places like FOOD, Sesame Burgers & Beer and DIG in the Park provide a variety of sandwiches, soups, burgers and lunchtime favorites. One of area’s newest additions is Tattooed Moose, the popular downtown Charleston bar that’s relocated to North Charleston to serve food and beer.
Italian cuisine is also available. Fratello’s Italian Tavern, Park Pizza and EVO Pizzeria provide cheese enthusiasts with a variety of entrees.
Despite the overall family-friendly focus of the Park Circle community, the nightlife scene is up-and-coming. A number of watering holes and breweries already call the area home, including Madra Rua Irish Pub, The Mill, Coast Brewing Co. and Holy City Brewing. If beer isn’t your thing, then you might instead find Accent on Wine attractive.
Eating and drinking is only part of what makes this side of town so much fun. The space features a handful of recreational amenities.
After all, the circle itself was modeled after London native Ebenezer Howard’s vision for “garden cities” where green space, commercial and residential could all coexist within a walkable community.
Quarterman Park’s central pond is an ideal outdoor space for both people and geese alike. Pedestrians can often be found fishing and feeding birds and walking the sidewalk for exercise.
Though located about 2 miles south and technically outside of Park Circle proper, Riverfront Park rests on the banks of the Cooper River and provides an expansive outdoor space for picnics, concerts and other major events. Guests might enjoy fishing from the park boardwalk or exploring the military monuments that tell of the history of old the Navy Base.
At the heart of the North Charleston neighborhood, a ring contained ball fields, a community center, butterfly garden and disc golf course. But this space is currently closed for redevelopment and will be reopened late 2023.
Plant lovers should stop by Roadside Booms, a unique flower shop that sells bouquets, plants and locally made gifts.
The Station at Park Circle is an antique store that offers vintage furniture, art, accents, lighting, music, plants, apparel and gifts. The independently owned Itinerant Literate Book Shop sells nonfiction, new fiction, children’s books and more, along with gift items.
The city of North Charleston will spend $45 million to improve recreational areas in Park Circle, including $20 million to redevelop the interior of a large traffic circle that ushers drivers into the area.Plans include replacing the Felix C. Davis community center, enhancing existing greenspace and adding a ne...
The city of North Charleston will spend $45 million to improve recreational areas in Park Circle, including $20 million to redevelop the interior of a large traffic circle that ushers drivers into the area.
Plans include replacing the Felix C. Davis community center, enhancing existing greenspace and adding a new inclusive ballfield and playground.
The playground will have special safety considerations like ramps and other elements designed to enable children of all abilities to participate, no matter their physical, cognitive, social or emotional development. It will be the city’s second inclusive playground.
Outside the circle, an additional $25 million will go toward replacing the decades-old Danny Jones Recreation Center, located less than a mile away, according to Ryan Johnson, economic development and public relations with the city of North Charleston.
Plans there call for replacing the existing pool facilities with a new indoor aquatic center.
Work is expected to be completed within the next two years, Johnson said. Funding for the project will come from tax increment financing and revenue bonds through the Noisette off-base Tax Increment Financing District.
Right now, the interior of the Park Circle traffic circle houses two baseball fields, the Felix C. Davis community center, butterfly garden and green space where farmer’s markets are held.
“The city has always wanted to make it a more active space than what it is now,” Johnson said. “The goal is to make it more of a place where families and kids go all the time, not just when there's an event like a baseball game or a community meeting. There’s talks about putting in a shed that the farmer's market can go under.”
“(It will be a) huge community improvement,” Johnson added. “I call it a ‘reimagining’ of Park Circle because it will be added amenities and everything will be enhanced inside the circle.”
North Charleston Mayor Keith Summey touted the plans for the interior of Park Circle during his 2022 State of the City address in January.
“Standing today is a building with much community significance and grounds where many have attended events and participated in athletics,” Summey stated in his address. “Our vision is a new state-of-the-art community and cultural center designed for the next 50 years. A Miracle League field and large all-inclusive playground with accessibility for everyone and modern parks and outdoor spaces suitable for hosting markets and civic celebrations.”
Construction on all areas of the interior of the circle will occur concurrently, Johnson said.
Developed by Charlotte-based Cunningham Recreation, the Oak Terrace Preserve playground has wide ramps leading onto playground equipment for wheelchairs, musical instruments like drums, a tandem swing for an adult and child to use together and several sun shades.
That playground was recently named a National Demonstration Site by the PlayCore Center for Outreach, Research and Education, a research company specializing in areas of recreation. The group will collect data from the playground to conduct research findings on its impact in the community.
In addition to the recognition, the city received matching grant funding for up to 50% of the cost of the playground structure — currently estimated at $140,000 in grant funds, according to the city.
The city of North Charleston stated on its website that the Oak Terrace Preserve playground will serve as “a blueprint for other playground designs.”
Johnson said the price of the playground goes up significantly when adding inclusive amenities.
“The surface is quite expensive, as you're putting a soft, kid-friendly surface there, and it just all adds up. Unfortunately, these things aren't cheap,” Johnson said. “You can get a wheelchair up there, it's got roller slides. It's got sensory things for people or kids with autism. It takes into account sensory things, needs for people with physical and mental disabilities and tries to (offer) some type of normalcy and play for everyone. That’s the inclusive model.”
Johnson said a lot of stakeholders were involved in choosing what amenities to add to the interior of Park Circle.
“It was a team effort with staff, council and the community,” Johnson said. “I think if you visit the Oak Terrace Preserve inclusive playground, you'll see kids are out there all the time, and you can see it's well worth the investment.”
NORTH CHARLESTON, S.C. (WCSC) - The City of North Charleston is holding a drop-in informational meeting Monday regarding community development within Park Circle, as progress on the area’s redevelopment continues.The meeting will be held from 5:30 p.m. to 7 p.m. at the Park Circle Gallery. TJ Rostin, recreation director for the City of North Charleston, says they want to inform the public at the meeting about some aspects of the project that they feel are “necessary.”According to the city, the redevelopment wi...
NORTH CHARLESTON, S.C. (WCSC) - The City of North Charleston is holding a drop-in informational meeting Monday regarding community development within Park Circle, as progress on the area’s redevelopment continues.
The meeting will be held from 5:30 p.m. to 7 p.m. at the Park Circle Gallery. TJ Rostin, recreation director for the City of North Charleston, says they want to inform the public at the meeting about some aspects of the project that they feel are “necessary.”
According to the city, the redevelopment will include a new community building with a theater and meeting rooms, a performance and event space, a nature garden, open green space, walking trails, an inclusive baseball field, and the largest inclusive playground in the Southeast, at 55,000 square feet.
Rostin says there will also be a farmer’s market pavilion that will be constructed outside. Rostin says the facility isn’t just for recreation, but it will have a large cultural arts impact as well.
“We’re trying to be able to provide more things for more people, and we feel right now that probably the therapeutic aspect of our facility needs a little uplifting, needs a little more programming that could be provided to them,” Rostin said.
With inclusivity at the forefront of the project, Rostin says they want to be able to serve people from age 0 to age 100.
“We think with this facility we’re gonna be able to do that in different ways,” Rostin said. “We know there’s folks out there who don’t have the ability to be a on a playground that’s not inclusive that may be 40, 50, 60 years old.”
Clint Davis of Charleston says he comes to Park Circle often because it has less “hustle and bustle” and less tourists. He says, for him, the more parks, the better.
“We’ve never really been to like the Park Circle, Davis said. “We’ve been like around the perimeter, like to all the restaurants over there so that will give us more incentive to come to the parks around here.”
TJ Rostin says they are currently still in the design-build phase. Rostin says we can expect the demolition of the current facility in the next week or two. He says he hopes to have construction starting in the next few months.
Rostin says the project is estimated to be completed by Fall of 2023.
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