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 Ridgeville, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Ridgeville'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 Ridgeville, 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 Ridgeville, 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 Ridgeville, 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 Ridgeville, SC - Dan Crance.
Refinancing from a 30-year to a 15-year mortgage might seem counterproductive on the surface because your monthly payment usually goes up. However, interest rates on 15-year mortgages are lower. And when you shave off years of your previous mortgage, you will pay less interest over time. These savings can be very beneficial if you are not taking the mortgage interest deduction on your tax returns.
FHA loans are notorious for paying premiums for the life of the loan. Mortgage insurance premiums for FHA loans can cost borrowers as much as $1,050 a year for every $100k borrowed. The only way to get rid of mortgage insurance premiums is to refinance to a new loan that the Federal Housing Authority does not back.
Sometimes, borrowers with adjustable-rate mortgages refinance so they can switch to a fixed rate, which lets them lock in an interest rate. Doing so is beneficial for some homeowners who like to know exactly how much their monthly payment is each month. Conversely, some homeowners with fixed rates prefer to refinance to an adjustable-rate mortgage. Homeowners often go this route if they plan on selling in a few years and don't mind risking a higher rate if their plans fall through.
Finding the right loan can be a difficult proposition, even if you have been through the process before. This is especially true since mortgage rates and market conditions change frequently. If you're like most of my clients, you probably have questions about interest rates, refinancing options, and a litany of other topics. To help alleviate some of your stress, here are just a few common questions with answers so that you can better educate yourself as we work our way to securing your loan.
A Charlotte-based real estate developer has revealed the next phase of a large mixed-use park in Ridgeville.Childress Klein, the project’s developer, and Altus Equity Group Inc., a real estate sponsor, operator and investment company, said the finalization of securing an $86.5 million loan needed for construction of their industrial project located in the Camp Hall Commerce Park has been arranged with New York Life Real Estate Investors, according to an Altus Equity Group Inc news release.This is said to be one of the lar...
A Charlotte-based real estate developer has revealed the next phase of a large mixed-use park in Ridgeville.
Childress Klein, the project’s developer, and Altus Equity Group Inc., a real estate sponsor, operator and investment company, said the finalization of securing an $86.5 million loan needed for construction of their industrial project located in the Camp Hall Commerce Park has been arranged with New York Life Real Estate Investors, according to an Altus Equity Group Inc news release.
This is said to be one of the largest historical spec build industrial projects within Charleston proper with the Camp Hall Commerce Park Campus 8, the next phase of the larger Camp Hall mixed-use park, equaling more than 1.4 million square feet, according to the release.
“While construction started in June of last year, we are pleased to announce the closing of our financing for this project,” said Matt Harper, partner at Childress Klein. “Despite some headwinds in the capital markets, we were able to secure attractive financing through New York Life Real Estate Investors and look forward to working with them to complete construction in the second half of this year.”
Camp Hall has been ranked by “Business Facilities Magazine’s” annual rankings as the No. 7 best industrial park in the nation in 2022 – and the only industrial park to make the list in the Southeast. Moreover, the project’s access to Interstate 26 provides convenient connection to the logistics and distribution capabilities of the Charleston market, including the Port of Charleston and Charleston International Airport, the release said.
“We are extremely excited about this project,” said Andrew Eicher, Altus Equity senior vice president. “Charleston is a strong economic center with growing industrial demand from manufacturing, logistics, and the continued growth of the Port of Charleston. There are many complications in a deal of this size, and we appreciate the attentiveness of the local and state governments to the project. In addition to our trusted local industry relationships, Camp Hall and Santee Cooper were instrumental in working through challenges as they arose during the pre-construction phases.”
Construction started in June upon purchase of the land, which was facilitated by Cushman and Wakefield’s Charleston Office. The Charleston office of Jones Lang LaSalle Inc has been selected as the leasing broker for the project by the combined management team, the release said.
Childress Klein has developed more than 51 million square feet of commercial real estate and owns assets valued at more than $3 billion.
“We continue to see opportunities in construction lending and look forward towards solidifying and expanding our relationships with top tier sponsors such as Childress Klein and Altus," said Elizabeth Roy, New York Life Real Estate Investors’ Structured Debt Team senior director.
RIDGEVILLE, S.C. (WCIV) — The Ridgeville community gathered Sunday evening to reflect on and honor the memory of Lavel "Tyler" Davis Jr., a victim of a shooting on the University of Virginia campus.“Lavel was the type of person who wanted to reach back and bring everyone with him and it was that pay-it-forward mentality that I love the most," said Anitra Doctor, who grew up in Ridgeville with Davis.Read More: ...
RIDGEVILLE, S.C. (WCIV) — The Ridgeville community gathered Sunday evening to reflect on and honor the memory of Lavel "Tyler" Davis Jr., a victim of a shooting on the University of Virginia campus.
“Lavel was the type of person who wanted to reach back and bring everyone with him and it was that pay-it-forward mentality that I love the most," said Anitra Doctor, who grew up in Ridgeville with Davis.
Davis was known as a football star at the University of Virginia, but in his hometown he was more.
“Lavel had natural leadership ability from the time he was small, people naturally gravitated towards him and were drawn to him and that was something you didn’t see in people that age," said Calvin Lenning, a coach from Woodland High School.
Hundreds of people came out to Sunday's vigil to light a candle for Davis's love, peace, and faith.
Lavel 'Tyler' Davis Jr. remembered with candlelight vigil in Ridgeville Sunday. (WCIV)
“Lavel was a loving young man who loved everybody and I think that’s representative of everyone who came out tonight to celebrate his life, his love, his legacy, and his memory and we just want the world to know what we got to experience first hand," Doctor said.
As a football alum from Woodland High, coaches said he was an inspiration.
“The love he had for the game, the love he had for his teammates, his coaches, his community, is woven so deep in our program that these guys that were playing this year were feeding off of the love that he displayed," Lenning said.
Friends also shared their favorite memory of Davis.
“I just remember having to prepare myself for practices because I remember he was going to give it his all every day, whether it was scoring touchdowns or hitting me as hard as he could, I could see that playing with him by my side was the best feeling," said Mark Parsons, whose son was best friends of Davis.
Despite the time of sadness, the town of Ridgeville came together to heal.
“I think Lavel would say this is the Ridgeville that he experienced, this is the Ridgeville that he wanted the world to experience and I think that was evident today," Doctor said.
RIDGEVILLE, S.C. (WCSC) - Walmart’s $220 million-dollar international distribution center in Ridgeville is now open for business.Officials from Dorchester County and Gov. Henry McMaster spoke at the grand opening on Friday.“This is just one more sign of our great prosperity that’s going to keep on going,” McMaster says. “This is one of the three largest such distribution centers in the world.”So far, Walmart has hired over 900 associates and they are looking to hire a total of 1,300 fu...
RIDGEVILLE, S.C. (WCSC) - Walmart’s $220 million-dollar international distribution center in Ridgeville is now open for business.
Officials from Dorchester County and Gov. Henry McMaster spoke at the grand opening on Friday.
“This is just one more sign of our great prosperity that’s going to keep on going,” McMaster says. “This is one of the three largest such distribution centers in the world.”
So far, Walmart has hired over 900 associates and they are looking to hire a total of 1,300 full-time employees. The Walmart distribution center is expected to increase the Port of Charleston’s volume by 5 percent, bringing them more jobs as well.
Jeffrey Holzbauer, General Manager of Imports with Walmart says this center will have a huge impact on Dorchester County. Not only for the number of jobs they are bringing but the pay rate as well.
Along with the distribution center, there are 122 retail stores in the state. In total, Walmart employs over 30,000 associates in South Carolina.
This will be the 5th distribution facility in the state, and its impact will reach farther than South Carolina. The center will supply 850 Walmart and Sam’s Club stores across the southeast.
Holzbauer says over the past few years keeping shelves in stores stocked has been an issue. The distribution center’s main purpose is to limit situations like that happening by making sure the right stores have the right products at the right time.
“Trailers come in from the port, folks then unload them,” Holzbauer says. “They go to a storage rack until a store is running low on inventory. Then we send associates to pick that product, take it to the ship dock, and put it in containers that’s destined for a regional distribution center.”
The town of Ridgeville was chosen for the distribution center for a few reasons. It’s strategically located relatively close to the port of Charleston. Holzbauer says there were a lot of qualified associates in the area, and there’s access to major transportation channels to get their products to their stores as fast as possible.
South Carolina Ports Authority President and CEO Jim Newsome says this building could be the tip of the iceberg for a county focused on business.
“We own this whole industrial campus, except we granted this to Walmart, so we’re working on other projects out here,” Newsome says. “I think there’s a number of distribution projects that can come here because of the location between I-26 and I-95.”
Source: Live 5
Copyright 2022 WCSC. All rights reserved.
RIDGEVILLE, S.C. (WCIV) — Phase two of construction of the Campus 4 in Camp Hall Commerce Park is underway.The second phase involves the construction of a 1,123,360-sq-ft industrial facility on 110.6 acres of land.“We’re proud of the progress we’ve made on Phase I of this project, and our team is excited to carry that momentum through to Phase II. Camp Hall is an expertly planned, best-in-class park, and we’re honored to be involved in the full development of Campus 4," said Keith Horton, seni...
RIDGEVILLE, S.C. (WCIV) — Phase two of construction of the Campus 4 in Camp Hall Commerce Park is underway.
The second phase involves the construction of a 1,123,360-sq-ft industrial facility on 110.6 acres of land.
“We’re proud of the progress we’ve made on Phase I of this project, and our team is excited to carry that momentum through to Phase II. Camp Hall is an expertly planned, best-in-class park, and we’re honored to be involved in the full development of Campus 4," said Keith Horton, senior project manager at Frampton Construction.
The Camp Hall project was designed and promoted by Santee Cooper in partnership with the South Carolina Department of Commerce, Berkeley County, Edisto and Berkeley Electric Cooperatives, the South Carolina Power Team, the Charleston Regional Development Alliance, and the South Carolina Ports Authority.
“The full development of Campus 4 at Camp Hall Commerce Park gives Portman Industrial a substantial land position with state-of-the-art logistics facilities in the highly constrained Charleston market. Campus 4 provides us with the ability to target a diversity of tenants desiring smaller, single-load facilities that have been the hallmark of Charleston’s tenant demand,” says John Gaskin. “Campus 4 also fills a void in immediate supply of cross-dock logistics facilities of +/- 500,000 square feet and +1,000,000 square feet, which are in short supply in Charleston and desired by present and future port customers.”
Frampton Construction Company, LLC. is leading the construction project.
Phase one of the Campus 4 construction is still underway. It includes three industrial facilities with a combined 940,000-sq-ft. That phase is over 60% leased at this time.
Last June, nearly two dozen miles of new railway track were given federal funding to the tune of $25 million.
The money was slated for the South Carolina Department of Commerce's Palmetto Railways division to construct approximately 22.7 miles of new track and related facilities. This will connect the Camp Hall Commerce Park in Ridgeville to the CSX multi-state rail network.
RIDGEVILLE, S.C. (WCBD) – A giant prehistoric whale flipper was discovered buried under several feet of mud in Dorchester County this week.The owner of Palmetto Fossil Excursions, Schuyler Andrulat, said it was a first for her… the first time she had found a whale flipper. The bones were found at the bottom of a pond under refurbishment in the Ridgeville area.“We made an astounding discovery in that this is the flipper of a very large baleen whale, probably somewhere around 2.5 million years, since we are in ...
RIDGEVILLE, S.C. (WCBD) – A giant prehistoric whale flipper was discovered buried under several feet of mud in Dorchester County this week.
The owner of Palmetto Fossil Excursions, Schuyler Andrulat, said it was a first for her… the first time she had found a whale flipper. The bones were found at the bottom of a pond under refurbishment in the Ridgeville area.
“We made an astounding discovery in that this is the flipper of a very large baleen whale, probably somewhere around 2.5 million years, since we are in the Waccamaw unit,” she said.
“I opened up a small area, and the first thing I came down on was at the end of the humerus and the end of the ulna bones,” explained Andrulat.
Andrulat has been searching for fossils most of her life.
“When I was two years old, I found my first shark teeth on Edisto Beach walking with my mother. And as I got older, she took me hunting at different locations along the coastal plain of South Carolina.”
She is now co-owner of Palmetto Fossil Excursions; they take people on fossil hunts at the 100-acre pit down the road in Dorchester County.
When they learned this lake was going to be deepened, they asked the property owner if they could look for any fossils and even bring some of the dirt to their property to be sifted through.
The discovery was made on Monday. They plan to donate the bones to the museum at the College of Charleston if they want them. Several other whale bones were also found in the pond.
Millions of years ago, the area where these bones were discovered would have been a shallow part of the ocean floor.
“Take a look at the top of the pine trees, that’s the way I like to describe it to people – imagine standing on the ocean floor and the surface of the ocean is all the way up there, right around where the pine trees are,” said Andrulat.
If you are interested in going on a fossil hunt, you can click here to learn more about the excursions.