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.
Ask Dan Anything843-478-5612At 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).
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 Park Circle, 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 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.
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 Park Circle loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANWhat could be more luxurious than going to a leisurely breakfast during the week? Perhaps you took the day off, need to conduct a morning meeting, or simply want a great plate of eggs. Here are the essential weekday breakfast establishments to know in the Lowcountry. Read MoreEater maps are curated by editors and aim to reflect a diversity of neighborhoods, cuisines, and prices. ...
What could be more luxurious than going to a leisurely breakfast during the week? Perhaps you took the day off, need to conduct a morning meeting, or simply want a great plate of eggs. Here are the essential weekday breakfast establishments to know in the Lowcountry.
Eater maps are curated by editors and aim to reflect a diversity of neighborhoods, cuisines, and prices. Learn more about our editorial process.
The Junction Kitchen & Provisions quickly is the go-to for Park Circle inhabitants to find a full breakfast near the neighborhood. The morning menu is served all day, including the doughnut sandwich layered with coffee-rubbed bacon, over easy egg, and served with a coffee dip.
Mercantile is one of the most spacious breakfast options to open on the peninsula, so bring the laptop and get some work done too — plenty of seats. The stylish spot opens early for those looking for coffee, yogurt bowls, breakfast sandwiches, or house-smoked salmon on a bagel. Bonus: free wifi and a large parking lot.
Bodega is the spot to visit if you are in need of a super hearty breakfast sandwich or hair of the dog. The restaurant is an ode to New York City bodegas and even comes complete with walls of chips and candy in its takeout area. Popular items include the smoked salmon toast, chocolate chip pancakes, and the Gropfather, a twist on a chicken parm sandwich, made with pesto and nduja. There’s also plenty of boozy breakfast drinks for those in need.
Bright spot the Daily carries creative coffee drinks, like the black sesame latte, and some of the quickest breakfast items around. Stop by this hip cafe for an avocado toast or breakfast pita before heading to the office.
Vicious Biscuit serves other items than biscuits, but the fluffy carbs are the big draw here. Prepare to feel the need for a nap after indulging in a fried chicken biscuit the size of your head. There’s dozens of biscuit combos to try.
James Beard Award-winning chef John Currence brought Big Bad Breakfast to Charleston a few years ago, and it has been serving solid examples of Southern and diner cuisine at a brisk pace. This restaurant might just have the best flapjacks in town.
Daps Breakfast & Imbibe offer breakfast/brunch every day of the week and all day long. The vibe is chill and the food is filling. The Fruity Pebble pancakes and breakfast burrito with chorizo gravy are solid choices.
Tuck into cozy cafe Little Line for a big Southern breakfast with cheddar grits at the counter or order a bacon, egg, and cheese bagel to go. The chic Westside spot has proven consistent in its delivery of breakfast staples since it first opened. And if you’re running short on time, you can order ahead online.
West Ashley eatery Early Bird Diner is the greasy spoon of contemporary Southern dreams. The waitstaff leans quirky and tattooed, the food is filling and comforting, and the hours allow you to visit for brunch or late night. Try the chicken and waffles with honey mustard drizzle at least once, and then move on to the traditional sides and other comforting menu items.
Marina Variety Store is Charleston's diner by the sea. With views of the Ashley River, there's no better place to tuck into a bottomless cup of coffee and a bowl of shrimp and grits when the weather is clear.
Thoughtful pastries are the big draw at Harken Cafe, like the apple tahini muffins or brown sugar cake with pumpkin butter. But, if you have a free morning, grab a seat in the Parisian-inspired cafe and order a slice of quiche full of local produce or a fluffy egg sandwich on a ricotta biscuit.
Queen Street Grocery is nestled in the French Quarter, so customers can watch the carriage tours go by as they cut into a crepe or omelette. For those on the go, choose a hot-pressed breakfast sandwich on a croissant or bagel.
As the name states, Millers All Day does indeed serve breakfast all day. Look for big fluffy biscuits, pancakes, grits, and plenty of bacon in a hip, yet comfortable, dining room.
Fast & French serves a no-frills breakfast of croissants, toasts, ham plates, and cream cheese on rye with raisins. There might not be any eggs, but it's hard to resist the European charm of the cafe and the full carafes of French press coffee.
Tucked off of Colonial Lake, Alcove Market offers breakfast, lunch, coffee, craft beer, wines, fresh-pressed juices, and a pantry stocked with goods like Rio Bertolini’s ravioli, cocktail olives, and various gourmet snacks. James Beard semifinalist Orlando Pagán, of tasting menu spot Wild Common, created the menu with health and well-being in mind. Offerings include avocado toast on Charleston Gold rice bread, a quinoa bowl with green goddess dressing, and a spectacular breakfast muffin stuffed with a poached egg
Super cute spot Baguette Magic offers carbs on carbs on carbs. Patrons rave about the recovery baguette — a hangover-curing combination of scrambled eggs, bacon, prosciutto, white cheddar, tomato jam, and arugula. For those in search of something sweet, check out the homemade Pop-Tarts or the chocolate croissant.
Lost Dog Cafe on Folly Beach is a chill place with an extensive breakfast list. From bagels to Benedicts to breakfast burritos, Lost Dog can accommodate a wide range of tastes.
The Junction Kitchen & Provisions quickly is the go-to for Park Circle inhabitants to find a full breakfast near the neighborhood. The morning menu is served all day, including the doughnut sandwich layered with coffee-rubbed bacon, over easy egg, and served with a coffee dip.
Mercantile is one of the most spacious breakfast options to open on the peninsula, so bring the laptop and get some work done too — plenty of seats. The stylish spot opens early for those looking for coffee, yogurt bowls, breakfast sandwiches, or house-smoked salmon on a bagel. Bonus: free wifi and a large parking lot.
Bodega is the spot to visit if you are in need of a super hearty breakfast sandwich or hair of the dog. The restaurant is an ode to New York City bodegas and even comes complete with walls of chips and candy in its takeout area. Popular items include the smoked salmon toast, chocolate chip pancakes, and the Gropfather, a twist on a chicken parm sandwich, made with pesto and nduja. There’s also plenty of boozy breakfast drinks for those in need.
Bright spot the Daily carries creative coffee drinks, like the black sesame latte, and some of the quickest breakfast items around. Stop by this hip cafe for an avocado toast or breakfast pita before heading to the office.
Vicious Biscuit serves other items than biscuits, but the fluffy carbs are the big draw here. Prepare to feel the need for a nap after indulging in a fried chicken biscuit the size of your head. There’s dozens of biscuit combos to try.
James Beard Award-winning chef John Currence brought Big Bad Breakfast to Charleston a few years ago, and it has been serving solid examples of Southern and diner cuisine at a brisk pace. This restaurant might just have the best flapjacks in town.
Daps Breakfast & Imbibe offer breakfast/brunch every day of the week and all day long. The vibe is chill and the food is filling. The Fruity Pebble pancakes and breakfast burrito with chorizo gravy are solid choices.
Tuck into cozy cafe Little Line for a big Southern breakfast with cheddar grits at the counter or order a bacon, egg, and cheese bagel to go. The chic Westside spot has proven consistent in its delivery of breakfast staples since it first opened. And if you’re running short on time, you can order ahead online.
West Ashley eatery Early Bird Diner is the greasy spoon of contemporary Southern dreams. The waitstaff leans quirky and tattooed, the food is filling and comforting, and the hours allow you to visit for brunch or late night. Try the chicken and waffles with honey mustard drizzle at least once, and then move on to the traditional sides and other comforting menu items.
Marina Variety Store is Charleston's diner by the sea. With views of the Ashley River, there's no better place to tuck into a bottomless cup of coffee and a bowl of shrimp and grits when the weather is clear.
Thoughtful pastries are the big draw at Harken Cafe, like the apple tahini muffins or brown sugar cake with pumpkin butter. But, if you have a free morning, grab a seat in the Parisian-inspired cafe and order a slice of quiche full of local produce or a fluffy egg sandwich on a ricotta biscuit.
Queen Street Grocery is nestled in the French Quarter, so customers can watch the carriage tours go by as they cut into a crepe or omelette. For those on the go, choose a hot-pressed breakfast sandwich on a croissant or bagel.
As the name states, Millers All Day does indeed serve breakfast all day. Look for big fluffy biscuits, pancakes, grits, and plenty of bacon in a hip, yet comfortable, dining room.
Fast & French serves a no-frills breakfast of croissants, toasts, ham plates, and cream cheese on rye with raisins. There might not be any eggs, but it's hard to resist the European charm of the cafe and the full carafes of French press coffee.
Tucked off of Colonial Lake, Alcove Market offers breakfast, lunch, coffee, craft beer, wines, fresh-pressed juices, and a pantry stocked with goods like Rio Bertolini’s ravioli, cocktail olives, and various gourmet snacks. James Beard semifinalist Orlando Pagán, of tasting menu spot Wild Common, created the menu with health and well-being in mind. Offerings include avocado toast on Charleston Gold rice bread, a quinoa bowl with green goddess dressing, and a spectacular breakfast muffin stuffed with a poached egg
Super cute spot Baguette Magic offers carbs on carbs on carbs. Patrons rave about the recovery baguette — a hangover-curing combination of scrambled eggs, bacon, prosciutto, white cheddar, tomato jam, and arugula. For those in search of something sweet, check out the homemade Pop-Tarts or the chocolate croissant.
Lost Dog Cafe on Folly Beach is a chill place with an extensive breakfast list. From bagels to Benedicts to breakfast burritos, Lost Dog can accommodate a wide range of tastes.
Can't start the morning/afternoon/life without a large cup of caffeine? Try one of these local coffee purveyors for a fix. Whether it's free wifi or a cozy atmosphere, there's a place for each need. Read MoreEater maps are curated by editors and aim to reflect a diversity of neighborhoods, cuisines, and prices. Learn more about our editorial process.A s...
Can't start the morning/afternoon/life without a large cup of caffeine? Try one of these local coffee purveyors for a fix. Whether it's free wifi or a cozy atmosphere, there's a place for each need.
Eater maps are curated by editors and aim to reflect a diversity of neighborhoods, cuisines, and prices. Learn more about our editorial process.
A savior for the citizens of Park Circle, The Orange Spot Coffeehouse supplies caffeine to North Charleston. The setting recently expanded with a new address but maintains the same cozy atmosphere. Try the cha yen, a traditional Thai iced tea.
Not only does Owlbear make an excellent cold brew or a iced caramel macchiato (if you’re into that), but this cafe puts out filling bagel sandwiches, waffles, and fancy grilled cheeses.
The Harbinger is a whimsical space full of plants, Instagram-worthy shelves full of treasures, and cozy seating. The coffee drinks are creative, like the maple latte or the Jack Rudy espresso tonic, but do not miss the baked goods — customers are instantly hooked on creations like a take on Rice Krispy Treats with puffed brown rice, tahini, and chocolate. Check out the sister cafe Harken when visiting the heart of downtown.
The couple behind Sightsee Coffee, Allyson Sutton and Joel Sadler, moved their shop to a larger space just steps away from Hampton Park and their home. The space is bright and airy, with room to linger over a coffee drink and pastries from Little Peanut Bakeshop. The customers can take their espressos to go for a stroll in the park.
In addition to expertly prepared espresso drinks, Mercantile offers free wifi, plentiful seating, and a full breakfast and lunch menu — what’s not to love. Oh, and parking. Sold.
The Daily is the place to go for a morning coffee, breakfast sandwich, or an afternoon lunch. Try the golden latte with turmeric-agave syrup and a breakfast pita with hummus and schug.
Stop in either Babas location for a $1 espresso or its unique peanut mocha. There’s also plenty of pastries, breakfast tacos, and space to sit and enjoy. As the day goes on, customers can also order wine and snacks, like a pickled shrimp salad of fancy grilled cheese.
Vintage Coffee Cafe offers caffeine, eats, and wifi to the Mount Pleasant set. The kitchen puts out sophisticated breakfast items, like seasonal quiches, oven-roasted tomato tarts, acai bowls, and lox plates, among others.
The pick-up window at Brown Fox Coffee makes it a quick and easy stop to grab a morning latte or a cold brew on the way to the beach on Sullivan’s Island.
Kudu not only has a handsome outdoor patio, but an extensive coffee and craft beer program as well. It doesn't offer wifi, so this shop is for relaxation, not work.
Highfalutin Coffee Roasters really cares about its beans. Roasted in-house, the coffee at this Avondale shop is routinely touted as some of the best by local aficionados — don’t ask for a pumpkin spice latte here.
Petite shop the Rise attracts those in search of a perfect cortado or a honey lavender latte. The space is small, so most customers get their coffee to-go.
Since its located on the Market in the Emeline hotel, Clerks Coffee Company is always buzzing with visitors, but this shouldn’t deter locals. The seating area at Clerks makes for a handsome background to sip a latte and get some work done. After the laptops close, the coffee bar offers beer and wine in addition to slices of Detroit-style pizza and salads.
Sunlight-filled caffeine emporium Second State Coffee (formerly Black Tap Coffee) is the spot to get creative lattes (try the brown sugar or lavender) and kick-ass pour-over brew. It is also the meeting spot for creatives and neighborhood friends to chat about the day or upcoming projects. Check out the Second State in Mount Pleasant for a full menu of hearty breakfast and lunch options.
Entrepreneur Amy Wright has four children, and two, Bitty & Beau, were born with Down syndrome. Wright saw an opportunity to help people with intellectual and developmental disabilities, who are among the most vulnerable in finding steady jobs. Her coffee shops Betty & Beau are staffed with a very enthusiastic crew that live with issues like autism and cerebral palsy. Stop in for a cup of joy in the morning.
Muddy Waters is an old-school coffee shop on James Island. Around since 2001, it’s a reliable spot for a latte, a macaron, and a quiet place to sit and read a book.
A savior for the citizens of Park Circle, The Orange Spot Coffeehouse supplies caffeine to North Charleston. The setting recently expanded with a new address but maintains the same cozy atmosphere. Try the cha yen, a traditional Thai iced tea.
Not only does Owlbear make an excellent cold brew or a iced caramel macchiato (if you’re into that), but this cafe puts out filling bagel sandwiches, waffles, and fancy grilled cheeses.
The Harbinger is a whimsical space full of plants, Instagram-worthy shelves full of treasures, and cozy seating. The coffee drinks are creative, like the maple latte or the Jack Rudy espresso tonic, but do not miss the baked goods — customers are instantly hooked on creations like a take on Rice Krispy Treats with puffed brown rice, tahini, and chocolate. Check out the sister cafe Harken when visiting the heart of downtown.
The couple behind Sightsee Coffee, Allyson Sutton and Joel Sadler, moved their shop to a larger space just steps away from Hampton Park and their home. The space is bright and airy, with room to linger over a coffee drink and pastries from Little Peanut Bakeshop. The customers can take their espressos to go for a stroll in the park.
In addition to expertly prepared espresso drinks, Mercantile offers free wifi, plentiful seating, and a full breakfast and lunch menu — what’s not to love. Oh, and parking. Sold.
The Daily is the place to go for a morning coffee, breakfast sandwich, or an afternoon lunch. Try the golden latte with turmeric-agave syrup and a breakfast pita with hummus and schug.
Stop in either Babas location for a $1 espresso or its unique peanut mocha. There’s also plenty of pastries, breakfast tacos, and space to sit and enjoy. As the day goes on, customers can also order wine and snacks, like a pickled shrimp salad of fancy grilled cheese.
Vintage Coffee Cafe offers caffeine, eats, and wifi to the Mount Pleasant set. The kitchen puts out sophisticated breakfast items, like seasonal quiches, oven-roasted tomato tarts, acai bowls, and lox plates, among others.
The pick-up window at Brown Fox Coffee makes it a quick and easy stop to grab a morning latte or a cold brew on the way to the beach on Sullivan’s Island.
Kudu not only has a handsome outdoor patio, but an extensive coffee and craft beer program as well. It doesn't offer wifi, so this shop is for relaxation, not work.
Highfalutin Coffee Roasters really cares about its beans. Roasted in-house, the coffee at this Avondale shop is routinely touted as some of the best by local aficionados — don’t ask for a pumpkin spice latte here.
Petite shop the Rise attracts those in search of a perfect cortado or a honey lavender latte. The space is small, so most customers get their coffee to-go.
Since its located on the Market in the Emeline hotel, Clerks Coffee Company is always buzzing with visitors, but this shouldn’t deter locals. The seating area at Clerks makes for a handsome background to sip a latte and get some work done. After the laptops close, the coffee bar offers beer and wine in addition to slices of Detroit-style pizza and salads.
Sunlight-filled caffeine emporium Second State Coffee (formerly Black Tap Coffee) is the spot to get creative lattes (try the brown sugar or lavender) and kick-ass pour-over brew. It is also the meeting spot for creatives and neighborhood friends to chat about the day or upcoming projects. Check out the Second State in Mount Pleasant for a full menu of hearty breakfast and lunch options.
Entrepreneur Amy Wright has four children, and two, Bitty & Beau, were born with Down syndrome. Wright saw an opportunity to help people with intellectual and developmental disabilities, who are among the most vulnerable in finding steady jobs. Her coffee shops Betty & Beau are staffed with a very enthusiastic crew that live with issues like autism and cerebral palsy. Stop in for a cup of joy in the morning.
Muddy Waters is an old-school coffee shop on James Island. Around since 2001, it’s a reliable spot for a latte, a macaron, and a quiet place to sit and read a book.