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 Red Bank, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Red Bank'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 Red Bank, 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 Red Bank, 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 Red Bank, 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 Red Bank, 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.
The Lexington YMCA is closing its doors because of a lack of participation in programs.RED BANK, S.C. — The Lexington Family YMCA will be closing its doors after more than 60 years of business.Bill Price, the CEO of the YMCA of Columbia says they made the decision to close the Lexington Family Branch on December 20th of this year."I can tell you, this is as hard of a business decision that I've ever been part of," said Price. "Our board and our staff are all very saddened that we've had to make this ...
The Lexington YMCA is closing its doors because of a lack of participation in programs.
RED BANK, S.C. — The Lexington Family YMCA will be closing its doors after more than 60 years of business.
Bill Price, the CEO of the YMCA of Columbia says they made the decision to close the Lexington Family Branch on December 20th of this year.
"I can tell you, this is as hard of a business decision that I've ever been part of," said Price. "Our board and our staff are all very saddened that we've had to make this decision but sometimes in business you really have to make hard decisions."
The facility located off YMCA Road near Old Orangeburg Road in Red Bank has been in there since 1955. Many families have used the 160 acres as a recreational camp and participate in activities like equestrian, swimming, canoeing, and archery.
Price said, "When you get a group of young kids together, it's as much about the fellowship than the games and the good times they had together and that's what we'll miss at that location."
Price cited the reason for closing is because of lack of participation in programs.
"What we've seen is Lexington has grown. People have more of an urban feel to it and people are not traveling out into the country if you would where years ago Lexington was much more rural," explained Price. "Now they want to stay in town and the competitions of the programs and the people running it there was very hard for us to compete in."
The CEO says they've seen the decline in participation over the past decade. With the programs dropping off significantly, Prices says they couldn't sustain the property.
Those who are currently members of the YMCA in Lexington will be able to relocate to one of the other YMCA's in the Midlands. That includes the YMCA's in Irmo, Northeast Columbia, Downtown Columbia, Ballentine, and the Orangeburg location. These members will also be able to keep their rate they have at the Lexington location.
Employees who work at the Lexington facility have been notified and are encouraged to apply for the jobs open at their other YMCA facilities.
45 children are a part of their after school program. Price says they've found about half a dozen different organizations that run after school programs in the area. The YMCA will be giving parents of these children a print out of all the options they have to send their child after they close their doors.
At this time, the YMCA is looking relocate the horses that have been at the Lexington location. Price says they're looking for healthy and safe places for the nine horses to be taken care.
As for the future of the 160 acres, Price says LandTech may be taking over the property. This is the same company that helped build neighborhoods like Lake Carolina. Prices believes they will be making homes on the Lexington YMCA property that will be in the $150,000 range.
Price says they're looking for suggestions on ways they can continue to be an asset to the Lexington community.
"We're not leaving Lexington County. We run something called Strengthening Families that's a grant through Children's Trust to continue running that program and it's strictly in Lexington right now and we'll look for other areas where we can be of asset in the community," explained Price.
Price is hopeful in the future they will be able to have a stronger presence in the Lexington community.
If you're wanting to contact Price about finding a new home for the horses, you can send him an email at email@example.com.
Nestled between Pelion and Red Bank is the community of Edmund, and resident Clyde Smith thought he might bring a different flavor to the area that is light on dining options.“There’s not much around and I felt like that would be a good idea to bring something to the area,” said Smith. “They have other restaurants around like country cooking but no seafood place within 10 miles. I know everybody loves seafood.”His Seafood Shack opened March 22 at 6029 Edmund Hwy. in the former home of a Maurice's P...
Nestled between Pelion and Red Bank is the community of Edmund, and resident Clyde Smith thought he might bring a different flavor to the area that is light on dining options.
“There’s not much around and I felt like that would be a good idea to bring something to the area,” said Smith. “They have other restaurants around like country cooking but no seafood place within 10 miles. I know everybody loves seafood.”
His Seafood Shack opened March 22 at 6029 Edmund Hwy. in the former home of a Maurice's Piggie Park outpost.
Smith said he appreciates the support he’s seen from the community and from those who understand there are new business operations to work out. This is the first restaurant Smith has owned, and he said he worked on the place for about six months before opening.
There was maintenance and design work to be done to get the restaurant up to par and ready to serve.
Smith said he welcomed a constant stream of customers during a good, but overwhelming first day and added that he is going to “keep striving to make it better.”
“The good outweighed the bad,” said Smith, who is currently looking to hire employees who have experience working in restaurants.
As far as the food goes, Smith acknowledged that seafood isn’t inexpensive food but said he’s going to try his best to keep the prices consistent. His seafood comes from a company in North Carolina who gets it from North France.
“I don’t want to overcharge,” Smith said.
Seafood is the emphasis, with bream, catfish, flounder, mullet, perch, tilapia, whiting, shrimp, oysters, scallops and lobster tail marking a menu of dinners and sandwiches, but the Shack also offers chicken wings, burgers, chicken fingers and an array of homemade desserts.
Smith doesn’t have a website or social media page, but he intends to add them. One group on Facebook, Columbia Foodies, has offered some supportive reviews.
Sharon King-Harris said she dropped by the seafood place when it opened and will definitely go back.
In her review she wrote, “There were a couple of small hiccups but nothing bad enough to keep me from going back. The people were friendly and my food was delish (tilapia, mac and cheese and fries).”
She told the Chronicle, “I just wish people took into consideration that the business has been open less than a week. Also the staff was very upfront about the problems and very friendly.”
The Seafood Shack is open Wednesday through Saturday from 11 a.m. until 8 p.m. It is located beside Brian’s Heating and Cooling.
lexington county seafood, edmund restaurant, pelion food, red bank business, columbia dining
Nancy Facey-Blackwood.That means Wednesday morning’s monthly pickup is still on, she told redbankgreen Saturday.Councilperson Nancy Facey-Blackwood at Saturday’s inauguration ceremonies. (Photo by John T. Ward. Click to enlarge.)Under a o...
That means Wednesday morning’s monthly pickup is still on, she told redbankgreen Saturday.
Councilperson Nancy Facey-Blackwood at Saturday’s inauguration ceremonies. (Photo by John T. Ward. Click to enlarge.)
Under a one-year agreement entered in 2021 with consumer products giant S.C. Johnson & Sons, the program’s sponsor, Red Bank became the fourth New Jersey municipality to recycle plastic film. Hundreds of dedicated pails were given out to more than 500 homeowners who requested them.
Last year, more than two tons of the material was collected here, removing it from the household waste stream until it can be sold to a recycler, said Facey-Blackwood, who served as Environmental Commission chairperson before being sworn in as a council member.
Though the pilot program agreement has expired, the borough continued its townwide pickups on the first Wednesday of each month, she said. Amounts collected “kind of dwindled a little bit because there was some confusion as to whether the program was continuing or not,” she said. “But it’ll be back, bigger and better.”
Ocean Township will be joining the program, which already includes Matawan, Bradley Beach and Red Bank, she said.
Residents without the specially marked pails can put their plastic film curbside in bags. Acceptable materials include grocery bags; bread bags; food storage bags, including Ziploc bags; newspaper bags; bubble wrap; shrink wrap, including that used with multipacks of bottled beverages; and boat wrap.
All materials must be free of debris and other matter. Candy wrappers, multi-layer chip bags, diapers and feminine products should not be recycled.
Residents who miss the pickup canmay drop their plastic film at the recycling center on West Sunset Avenue between 8 a.m. and 2 p.m, Tuesdays through Saturdays.
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RED BANK, S.C. — Changes are coming to one busy intersection in Red Bank.Back in February, Street Squad Lexington covered the intersection because people were concerned about their safety.RELATED: There are only 3 turn lights at a Lexington County intersection — here's whyThe inters...
RED BANK, S.C. — Changes are coming to one busy intersection in Red Bank.
Back in February, Street Squad Lexington covered the intersection because people were concerned about their safety.
The intersection at Platt Springs Road and South Lake Drive is right in the heart of Red Bank. This is where the Walmart, Publix, Walgreen, Popeyes, and many other stores are located.
Where the roads meet, there’s only three left turn lights. The one that doesn’t have a light is on Platt Springs Road when you’re heading west towards White Knoll High School.
Folks say it’s a nightmare trying to turn left without a light, especially during the middle of the school year.
Street Squad took your concerns to those in charge to find out if the South Carolina Department of Transportation will be looking into this intersection.
Mary Galloway Riggs, who messaged our Street Squad Lexington Facebook page, feels it’s dangerous trying to turn at this intersection because of traffic leaving the high school and other businesses.
Tonya, who spoke with Street Squad Tuesday morning, says too many crashes happen at the intersection and worries about her safety.
According to officials, the most recent study on this intersection was back in 2015. Lori Campbell with SCDOT said back in February they would be doing a left turn study.
Campbell says with the study, they would also pull crash data to see if it's impacting the intersection.
The previous study indicated that drivers were clearing, meaning they were able to turn at the intersection without having to wait through multiple turn cycles.
Lori Campbell with SCDOT says they wrapped up the study in April and concluded some changes need to be implemented.
The SCDOT says after reviewing turn and crash data, the intersection does not warrant another light.
However, to help make it safer, the SCDOT plans on reducing speed going into the intersection to 40 miles per hour.
The department says you will be seeing the changes soon.
If you have a story you would like for Street Squad Lexington to cover, message our Facebook page.
Lexington, SC 10/13/2022 (Paul Kirby) – A new boutique drive-thru coffee experience is coming to Red Bank and a short time later to the Lexington area of the county. Biggby Coffee is an all drive-thru experience that serves high-quality coffees, smoothies, and other specialty drinks, as well as some food items. These will include foods that will pair with a good cup of coffee. Things like bagels, cookies, breakfast sandwiches, and muffins are just a few of the foods that will be on the menu.Well known Lexington businessman Jerem...
Lexington, SC 10/13/2022 (Paul Kirby) – A new boutique drive-thru coffee experience is coming to Red Bank and a short time later to the Lexington area of the county. Biggby Coffee is an all drive-thru experience that serves high-quality coffees, smoothies, and other specialty drinks, as well as some food items. These will include foods that will pair with a good cup of coffee. Things like bagels, cookies, breakfast sandwiches, and muffins are just a few of the foods that will be on the menu.
Well known Lexington businessman Jeremy Addy is the driving force that’s bringing this small and immensely community and family friendly business to the Midlands. He’s the grandson of the late Kermit Addy and son of John and Teresa Addy. His family-owned and operated Addy Dodge on Columbia Avenue in Lexington for decades. All the Addy’s are known as fervent believers in giving back to Lexington County and its citizens. Jeremy has followed in those family footsteps as he’s led his core business Craig Reagin Clothiers on Main Street to great success.
In a recent interview with The Ledger, Jeremy said that he is always looking for ways to bring other good, high-quality businesses to Lexington County. In the case of Biggby Coffee, after he did some research on the family-owned business based out of Michigan, he found what he feels is a perfect fit to fill some gaps in the boutique coffee business in particular areas of the county. Partnering with a small, family-owned corporation like Biggby that shares his own high standard of morals and a likeminded approach toward how a business should interact with the community and its customers were important to Jeremy. In fact, these attributes were as important to him as the taste of Biggby’s delicious coffees and treats.
Jeremy was not a coffee drinker himself until several years ago. He’s engaged to be married now and his fiancé is a longtime lover of coffee. On a trip to Charleston, they both shared the experience of a Biggby Coffee together. In Charleston, there are four locations there. Even Jeremy, now a coffee convert, loved its deep, complex flavors of its roast, and the fast, friendly service of the Biggbys. “Its flavor is delicious,” Jeremy said. “There is no bitterness at all,” he continued. “It’s just a wonderful experience.”
It didn’t take Jeremy long to realize that a few Biggby locations in Lexington County and the later, elsewhere in the Midlands, would be perfect for a market market that’s not already oversaturated with the all drive-thru experience that Biggby Coffee provides.
While looking for property that would house Jeremy’s first Biggby location in Lexington, he met Joe and Cari Schlager of Red Bank through the Charleston Biggby franchisee. The Schlagers had moved to Lexington County from Las Vegas several years ago and found it to be a perfect fit for their family. Joe enjoyed the city lights and life of Vegas and Cari, who grew up on a farm in upstate New York, was looking for something less complicated and of a slower pace. Cari said during an interview that, “This is a perfect community that fits all our family’s needs. It’s a much slower pace and everyone is so friendly. It’s just been great getting to know the people of this wonderful new community. For Joe, there’s enough to see and do here to keep him busy and entertained when he’s not working. For me, the slower pace, and the more rural feel I grew up with made me fall in love instantly.”
The Schlagers had some money put aside to invest in a business they could call their own. Sadly, the remainder of what they needed was wrapped up in a finance deal in Nevada that fell threw at the last minute. Once Jeremy got to know the Schlagers for who they really are, he stepped up and offered to buy some property and put a Biggby Coffee in the Red Bank commmunity. Then he would lease that location to Joe and Cari for them to run.
That will be the first Biggby you’ll be able to see and enjoy in Lexington County. The property is across the street from Lexington County’s Annex on South Lake Drive at Two Notch Road. It will sit between existing Wendy’s and the CVS. Although there’s an large self service ice machine there right now, by the end of this year or certainly by mid-January of 2023, a neat little Biggby Coffee will be there for you to enjoy!
How in the world you might ask, can they build a building and business that quickly. The answer is simple, Biggby Coffees are small, offer only drive-thru service, and they are built by a company based in Michigan. Then, they’re trucked in, offloaded with a crane, and set on a concrete pad that already has the plumbing and any electrical infrastructure in place. It only takes a few short days to anchor the building, connect the plumbing and electrical, and start making coffee.
The Schlagers store will be the first Biggbys to open. Lexington County is in the final stages of the plan review process right now. Once that’s completed, the sitework can begin and the building pad can be poured. Jeremy said that all he needs is the final approval to get started.
Once the Red Bank store receives its certificate of occupancy, Cari will run that location herself every day. “It will be so nice to have a business we can call our own,” Cari said. “I’m ready to get to know our neighbors by their first names, what their favorites drinks and foods are, and get involved in all different ways.” Cari said they plan to be supportive of the community and give back by sponsoring youth sports, area school yearbooks, and civic groups and churches. “Joe and I think that God had a great deal to do with us meeting Jeremy and we plan to openly acknowledge that. Without that first introduction, our dreams of building a legacy that we can pass on to our children and grandchildren simply wouldn’t have happened,” she stated.
Cari had much the same to say about the Biggby Corporation that Jeremy did. “When we met people who had dealt with the corporation for years, they all had the same feeling about Biggby that Joe, Jeremy, and I did. To them, a business is more about community and people than just the bottom line. Customer service, friendly attitudes, and owner involvement are all key to running a Biggby. They want us to put people first and feel that if we are doing that, the customer base will be strong and loyal. I am so excited for the opportunity to get up every day and go to work for me,” she we went on to say. “Joe will keep his full-time job during the workweek, but the fun thing is, on the weekend he’ll be working for me!” she joked.
Once the Red Bank store is open, Jeremy is looking at two parcels of land closer into Lexington for a store that he’ll run with a small group of employees. One parcel is on North Lake Drive across from the movie theater. The other is just west of Lexington on Highway 378 near Charter Oak Road and the Publix shopping center. Once he sees which of the two spots are available and priced competitively, he says he’ll be able to use much of the site plans and legwork done for the Red Bank store to expedite the next location. He believes that the second store should be open sometime in the spring of 2023.
“I want to get a feel for running this new business before I go any further than that,” Jeremy said during our interview. “After that, I can expand further in Lexington County or maybe somewhere else in the Midlands. Once people get to know how friendly the customer service is at Biggby Coffee and how great their offerings are, I see foresee a large, loyal customer base that will drive past other coffee businesses to stop at Biggby,” he stated.
According to Jeremy, Biggby Coffee franchisees doesn’t have corporate pressures to take any political stand on the issues of the day like some other larger chain stores. “They also don’t pressure us with mandates that might work in Michigan but wouldn’t fly here. They just want franchisees to sell a great product and be involved in the community that supports the businesses. I have a great deal of business experience already and I vetted this company as well as I am sure they vetted me. Every franchisee, every corporate partner, everyone I met and spoke with had the same things about the corporation to say. Every franchise I spoke with said that Biggby was a great company to do business with,” Jeremy concluded.
According to Joe and Cari, the hours for the Red Bank store will be Monday through Saturday from 6:00 a.m. until 9:00 p.m. and 7:00 a.m. until 9:00 p.m. on Sundays. You can get updates about the progress of the Red Bank store including the date of the building’s arrival and placement by crane on Facebook at Biggby on South Lake, Lexington or by simply pressing this LINK.
Here is a short video of a Biggby loaded on a truck for shipping. VIDEO
PHOTO CAPTIONS: All pictures are of Biggby Coffee locayions in other areas of the United States.