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Classic Home Mortgage Providing Trustworthy Mortgage Guidance for Over 30 Years
Buying a home is one of the most significant investments that you will ever make. Like most good things, finding the perfect home comes with a lot of work. From your initial search online to your home tour and finally closing, there are many difficult decisions to make along the way. The bottom line is that the entire home buying process can be very stressful, especially when it comes to finding the right mortgage broker and loan for your new home. Since market conditions and mortgage programs change frequently, you have a lot riding on your broker's ability to provide quick and accurate financial advice. Whether you're a first-time homebuyer or own several residential properties, you need a mortgage broker in Rockledge, FL, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Rockledge'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 Rockledge, my primary goal is to help you make the right mortgage choice for you and your family. Mortgage lenders have a horrible reputation for turning over clients quickly to expedite cash flow and make the most money possible. While some mortgage brokers come off as pushy and impatient, I encourage my clients to take as much time as they need to ask questions and review their mortgage agreements. I'm here to help answer those questions and provide you with easy-to-understand advice so that you can rest easy knowing you made the right choice. I could say that I strive to provide service that exceeds your expectations, but I'd rather show you. In the end, I want you to leave feeling confident in the loan you've selected, as well as in your choice of broker.
Service Areas
Mortgage Services for Eric Gibson
Mortgage Broker for Kimberlee Puccio
Mortgage Company for Seth Seal
Refinancing for Rose Griest
Mortgage Lending Service for Michael McIntyre
Home Ready Mortgages for Ed Jones
Mortgage Lender for Ryan Moreau
Mortgage Services for Laura Fogarty
Mortgage Broker for Adam Jordan
Mortgage Company for Carolina Jordan (Lowcountry Home Sales)
Mortgage Lender for Stephen Lowe
Mortgage Lending Service for Glenn Shepard
Home Ready Mortgages for Manny Roblesreynoso
Mortgage Lender for Bernie H. Hester III
Mortgage Services for Tammy R Stephens
Why Choose Dan Crance As Your Mortgage Lender in Rockledge, FL?
Clients choose my mortgage company because I truly care about helping them navigate the often-confusing landscape of the mortgage process. I am fiercely dedicated to my clients and make every effort to provide them with trustworthy advice and an open line of communication.
In my business, I work for two different customers. On one hand, I have the buyer: the person entrusting me with the responsibility of guiding them through one of the most important decisions ever. Serving homebuyers is not a task that I take lightly. I work with them daily to help them through the process and provide timely updates and news on their mortgage status. On the other hand, I have the realtor: the person who works with my client to find their dream home. Since their commission is in my hands, working with realtors is also a very important task. I update these agents on the status of their customers weekly. Only when I take care of both parties can I say my job as a mortgage loan officer is complete.
As a mortgage broker with more than 30 years of experience, I pledge to give you the highest level of customer service while providing you with the most competitive loan products available. That way, you can buy the home of your dreams without second-guessing your decision.
Home Financing in Rockledge, FL
At Classic Home Mortgage, our team works diligently to close on time without stress or hassle. Whether you're a seasoned homeowner or are buying your new home in Rockledge, 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 Rockledge, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.
When you work with Classic Home Mortgage, you can always count on our team to:
- Put your needs first.
- Work efficiently and quickly. Many of our home loans close in 30 days or less.
- Offer you a variety of home loans to choose from, and help you make an informed decision.
- Provide you with competitive rates that make sense for your budget and lifestyle.
While no two loan terms are the same, a few of the most common loan types include:
30-Year Loan - This loan is often considered the most secure option to choose. With a 30-year loan, you can lock in a low payment amount and rest easy knowing your rate won't change.
FHA Loan - If you're not able to make a large down payment, an FHA loan could be the right choice for you. With an FHA loan, many of our clients have successfully purchased a home with less than 4% down.
VA Loan - This loan is reserved for military veterans and active-duty men and women. Those who qualify may be able to purchase a home with no down payment and no Private Mortgage Insurance (PMI).
Choosing a home loan is an important step in the home buying process. At Classic Home Mortgage, we are here to make choosing a loan as easy as possible, so you can focus on the joys of being a homeowner. Contact our team of experts today and ask how you can get pre-qualified for your home loan in Rockledge, FL.
Refinancing in
Rockledge, FL
Because home mortgage rates in the U.S. have been so low over the last year, many current homeowners are opting to refinance their home loans. Simply put, refinancing is replacing your existing mortgage with a different mortgage under new terms. Homeowners who refinance their homes enjoy lower interest rates, lower monthly payments, and even turn their home's equity into cash. If you're interested in refinancing your home, it all begins with a call to your mortgage broker in Rockledge, FL - Dan Crance.
Here are just a few reasons why more homeowners in the U.S. are taking advantage of lower rates and refinancing their homes:
Shorter Term Loan
Refinancing from a 30-year to a 15-year mortgage might seem counterproductive on the surface because your monthly payment usually goes up. However, interest rates on 15-year mortgages are lower. And when you shave off years of your previous mortgage, you will pay less interest over time. These savings can be very beneficial if you are not taking the mortgage interest deduction on your tax returns.
Do Away with FHA
FHA loans are notorious for paying premiums for the life of the loan. Mortgage insurance premiums for FHA loans can cost borrowers as much as $1,050 a year for every $100k borrowed. The only way to get rid of mortgage insurance premiums is to refinance to a new loan that the Federal Housing Authority does not back.
Switch to Fixed Rate or Adjustable-Rate Home Loan
Sometimes, borrowers with adjustable-rate mortgages refinance so they can switch to a fixed rate, which lets them lock in an interest rate. Doing so is beneficial for some homeowners who like to know exactly how much their monthly payment is each month. Conversely, some homeowners with fixed rates prefer to refinance to an adjustable-rate mortgage. Homeowners often go this route if they plan on selling in a few years and don't mind risking a higher rate if their plans fall through.
Common Questions About Home Loans
Finding the right loan can be a difficult proposition, even if you have been through the process before. This is especially true since mortgage rates and market conditions change frequently. If you're like most of my clients, you probably have questions about interest rates, refinancing options, and a litany of other topics. To help alleviate some of your stress, here are just a few common questions with answers so that you can better educate yourself as we work our way to securing your loan.
Trust Dan Crance
Your Mortgage Lender in Rockledge, FL
Whether you're selling, buying, refinancing, or building the home of your dreams, you have a lot riding on your home loan specialist. When you need a mortgage broker who works tirelessly for you, answers your questions, provides guidance, and does so with a genuine smile, Dan Crance is your mortgage man. Contact Dan today at 843-478-5612 to get pre-approved and discover why Rockledge loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANLatest News in Rockledge, FL
Therapist accused of showering with, abusing patient at Rockledge practice
James Sparverohttps://www.clickorlando.com/news/local/2023/12/01/therapist-accused-of-showering-with-abusing-patient-at-rockledge-practice/
Anthony Fischetti, 40, faces charge of lewd conduct with a childROCKLEDGE, Fla. – A certified behavior analyst posted a $35,000 bond on Friday following his arrest on allegations he sexually abused a boy at his practice.Inside BASIX Behavioral Health Services on US-1, the Brevard County Sheriff’s Office said Anthony Fischetti took showers with the boy, which included sex on three occasions.It all happened during therapy sessions while the boy, who had autism, was in the fifth or sixth grade...
Anthony Fischetti, 40, faces charge of lewd conduct with a child
ROCKLEDGE, Fla. – A certified behavior analyst posted a $35,000 bond on Friday following his arrest on allegations he sexually abused a boy at his practice.
Inside BASIX Behavioral Health Services on US-1, the Brevard County Sheriff’s Office said Anthony Fischetti took showers with the boy, which included sex on three occasions.
It all happened during therapy sessions while the boy, who had autism, was in the fifth or sixth grade, investigators said.
An affidavit says the boy — who’s now in high school — recently came forward to his school counselor.
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Fischetti was pictured Friday in an arrest warrant.
The 40-year-old’s mugshot won’t be available online until Saturday.
Friday, the Brevard County Jail told News 6 reporter James Sparvero that the Fischetti posted his bond just before he was scheduled to appear before a judge on his felony charge of lewd conduct with a child.
Investigators said Fischetti initially admitted to watching the boy shower, saying that the boy needed help cleaning himself, but he said he never got in the shower with him.
When confronted with the allegations, the affidavit reads the therapist responded, “Well, that’s unfortunate.”
“He also confessed to directing this innocent child to shower in front of him, claiming he was doing it to help the child have better hygiene skills,” Sheriff Wayne Ivey later said in a news briefing. “Well, here’s the shocker for you: at no time did the parents ever report or express concerns about the child’s hygiene habits, nor were they ever approached by Fischetti about that matter, as well.”
Another employee at BASIX said the office has no comment about Fischetti’s arrest.
While the owner prepared to walk out of jail Friday, his practice was still open.
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Time running out for Florida hospital to take care of bat infestation
Marie Edingerhttps://www.fox35orlando.com/news/time-running-out-for-florida-hospital-to-take-care-of-bat-infestation
Bats at a hospital?FOX 35 News is investigating the infestation at Rockledge Regional Medical Center, after tipsters reached out about the issue.For visitors at the hospital who hadn’t heard about the bats, the news came as a huge surprise."Never heard of anything like that in a hospital! Bats? C’mon, really?" said Rita Ortiz, who has a family member at the hospital.A representative for Rockledge Regional Medical Center told FOX 35 News the bats are in the space between the 5th and 6th floors...
Bats at a hospital?
FOX 35 News is investigating the infestation at Rockledge Regional Medical Center, after tipsters reached out about the issue.
For visitors at the hospital who hadn’t heard about the bats, the news came as a huge surprise.
"Never heard of anything like that in a hospital! Bats? C’mon, really?" said Rita Ortiz, who has a family member at the hospital.
A representative for Rockledge Regional Medical Center told FOX 35 News the bats are in the space between the 5th and 6th floors, and the 6th and 7th floors.
The ICU is on the 5th floor normally, so the hospital relocated patients there to the 2nd floor to be safe.
The 6th and 7th floors are just for storage.
The hospital says there are no bats in the hallways, though some people told us otherwise.
Jayne Johnston, a Senior Wildlife Assistance Biologist with the Florida Fish and Wildlife Conservation Commission (FWC), says it’s extremely easy for bats to sneak into buildings.
"All a bat needs is the end of your thumb," said Johnston. "If you can fit your finger through that, the end of your thumb through that, a bat can also fit in there too."
The hospital told FOX 35 in a statement,
"We are working closely with the Florida Department of Wildlife, Department of Health, the State Epidemiologist and a pest control company. They have assured us that there is no risk to patients or staff. With their help, we will proceed with mitigation efforts."
The problem is, Saturday, April 15th is the start of bat mating season.
The FWC that’s the last day you can legally have exclusion work done until mid-August. That means the hospital has to figure out its infestation before then.
That’s something Norma Kimbrough, who also has a family member at the hospital, would like the hospital to take care of.
"I worked down here in my younger years," said Kimbrough. "We didn’t have any problem with any bats! Thank God."
The hospital also told FOX 35 they’ve taken "additional measures to ensure the safety of all those within the hospital" but didn’t specify what.
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