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 Seabrook Island, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Seabrook Island'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 Seabrook Island, 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 Seabrook Island, 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 Seabrook Island, 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 Seabrook Island, 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.
South Carolina is blessed with an embarrassment of riches in golf courses, a fact on display in examining one organization’s ranking of playing opportunities in the state.From the brawny Ocean Course at Kiawah Island Resort to the Aiken Golf Club that measures less than 5,800 yards and everything in between, the Palmetto State offers a smorgasbord of links that whets every golfer’s appetite.The South Carolina Golf C...
South Carolina is blessed with an embarrassment of riches in golf courses, a fact on display in examining one organization’s ranking of playing opportunities in the state.
From the brawny Ocean Course at Kiawah Island Resort to the Aiken Golf Club that measures less than 5,800 yards and everything in between, the Palmetto State offers a smorgasbord of links that whets every golfer’s appetite.
The South Carolina Golf Course Rating Panel’s annual survey emphasizes the obvious again in this year’s rankings of the best classic courses, designed pre-1980, and modern layout, those designed since 1980.
The Ocean Course, scene of high-profile events ranging from the 1991 Ryder Cup to PGA Championships in 2012 and 2021, takes its usual place at the top of the modern category. Harbour Town Golf Links at Hilton Head Island’s Sea Pines Resort, the home of the PGA Tour’s RBC Heritage each April, headlines the classics.
And those only scratch the surface.
“There are so many great golf courses in the state,” Aiken GC owner Jim McNair Jr. said. “There’s something from everyone. We have something like 37 acres of turf; I imagine a course like the Dunes (Golf and Beach Club in Myrtle Beach) has 100 acres or more.”
McNair’s course, located within shouting distance of Aiken’s business district, ranks seventh in the classic category and drips with history. More than 100 years old, the club is among the first to have women’s tees and staged the Women’s Invitational Tournament (1937-39) that brought stars such as Babe Zaharias and Patty Berg to compete.
“We’re short by today’s standards, but we have members who say it’s too hard from the tips,” McNair said. “The green complexes are incredible. The course is about strategy, accuracy and position off the tee.”
Those are among the qualities the rating panel seeks and finds everywhere in the state.
Courses represented in this year’s rankings range from Aiken’s Palmetto Golf Club, which dates to 1892; Seth Raynor’s Lowcountry gems; Camden Country Club with Donald Ross’ influence and Robert Trent Jones’ beauties among the classics. The modern layouts include the handiwork of, among others, Pete Dye, Tom Fazio, Jack Nicklaus, Arnold Palmer and Mike Strantz.
“Ranking the courses is really a challenge,” said Michael Whitaker, the association’s executive director. “As always, there are so many outstanding golf courses in South Carolina that you’re really splitting hairs in picking one over another.”
The top five in the classic category include Harbour Town, Yeamans Hall in Hanahan, Palmetto GC, the Dunes Golf and Beach Club, and Greenville CC’s Chanticleer Course. Joining the Ocean Course at the top of the modern list are the Secession Club (Beaufort), Congaree GC (Ridgeland), May River GC (Palmetto Bluff) and Sage Valley GC (Graniteville).
“To be included on a list with some of those exclusive private clubs is quite an honor,” McNair said. “That’s the beauty of the game. Courses such as ours and the Ocean Course are very different and yet are very challenging.”
The S.C. Golf Course Ratings Panel is composed of 125 golf enthusiasts who represent a diverse range of occupations, handicaps and backgrounds. The group’s objective is to promote excellence in the state’s golf course design and operation through competitive ranking, education and public advocacy. Criteria used in the judging include routing, variety, strategy, equity, memorability, aesthetics and experience. A panelist must have played the course to vote for it.
(Designed Before 1980)
1. Harbour Town Golf Links
2. Yeamans Hall Club
3. Palmetto Golf Club
4. Dunes Golf and Beach Club
5. Greenville CC Chanticleer Course
6. CC of Charleston
7. Aiken Golf Club
8. Camden CC
9. Greenville CC Riverside Course
10. Surf Golf and Beach Club
11. Orangeburg CC
12. Florence CC
13. CC or Spartanburg
14. Myrtle Beach National King’s North Course
15. Columbia CC
16. Palmetto Dunes Resort R.T. Jones Course
17. Palmetto Dunes Resort George Fazio Course
18. Charleston Municipal Golf Course
19. Furman Golf Club
20. Pine Lakes CC
(Designed Since 1980)
1. Kiawah Island Resort Ocean Course
2. Secession GC
3. Congaree GC
4. May River GC
5. Sage Valley GC
6. Cherokee Plantation
7. Kiawah Island Club Cassique Course
8. Long Cove Club
9, Chechessee Creek Club
10. Kiawah Island Club River Course
11. Bulls Bay Club
12. Caledonia Golf and Fish Club
13. Colleton River Plantation Dye Course
14. Old Tabby Links
15. Cliffs at Keowee Vineyards
16. Colleton River Plantation Nicklaus Course
17. Cliffs at Mountain Park.
18. Musgrove Mill GC
19. The GC at Briar’s Creek
20. Haig Point Club
21. Barefoot Resort Dye Course
22. Wachesaw Plantation Club
23. Belfair GC West Course
24. Reserve at Lake Keowee
25. Cliffs at Glassy
26. Tidewater GC and Plantation
27. Berkeley Hall North Course
28. Belfair GC East Course
29. True Blue Plantation
30. Grande Dunes Resort Club
31. Dataw Island Cotton Dyke Course
32. Wild Dunes Resort Links Course
33. Thornblade Club
34. Prestwick CC
35. Kiawah Island Resort Osprey Course
36. Cliffs at Keowee Falls
37. DeBordieu Club
38. Callawassie Island Club
T39. Kiawah Island Resort Cougar Point Course
41. Reserve Club at Pawleys Island
41. Sea Pines Resort Atlantic Dunes Course
43. Daniel Island Club Beresford Creek Course
44. Kiawah Island Resort Turtle Point Course
45. Grande Dunes Members Club
46. Cliffs at Keowee Springs
47. Seabrook Island Club Ocean Winds Course
48. Berkeley Hall South Course
49. Cliffs Valley Course
50. Daniel Island Club Ralston Creek Course.
SEABROOK ISLAND, S.C., Nov. 16, 2021 /PRNewswire/ -- A group of Seabrook Island Club members were denied access to their private club's restaurant November 3 with the management citing club policies requiring members be vaccinated or show proof of a negative COVID – 19 test. They have formed 'The Patriots of Seabrook Island' and have launched a website to disagree with this policy.Not Anti Vaccine - Pro Freedom"We are not Anti-vaccine, not at all. Many of us are fully vaccinated. We are pro-Freedom," stated the ...
SEABROOK ISLAND, S.C., Nov. 16, 2021 /PRNewswire/ -- A group of Seabrook Island Club members were denied access to their private club's restaurant November 3 with the management citing club policies requiring members be vaccinated or show proof of a negative COVID – 19 test. They have formed 'The Patriots of Seabrook Island' and have launched a website to disagree with this policy.
Not Anti Vaccine - Pro Freedom"We are not Anti-vaccine, not at all. Many of us are fully vaccinated. We are pro-Freedom," stated the group's founder Barrie Glenn. "The club has no right to disallow anyone's participation based on vaccine status. They are violating our civil rights, discriminating based on federally protected personal medical choices." she added.
HOA Forces Purchase - Refuses Access"This is a unique situation," Ms. Glenn continued. "Every homeowner has a mandate to join the club for 7 years, per HOA covenant - we have already paid for what we are not allowed to use. Add to that, the policies they enforce on us members are more stringent than any others in the state. "
HOA Retaliates – Candor in Question"Even worse, they have recently retaliated against our freedom movement, and now we are no longer allowed to dine at all – even outside," Ms. Glenn also stated. "Is it really about health? Or is it about power and discrimination?"
Website Touted Ms. Glenn invites anyone to visit the website at www.PatriotsofSeabrookIsland.com to join the group or get additional information. Long-time local Civil Rights Attorney Teresa Zachry Hill (https://hilllawfirm.attorney/), known as "A Powerful Voice for Positive Change" represents the organization.
For more information, press only:FOLLOW THE STORY at www.PatriotsofSeabrookIsland.com. Watch for our NEXT PRESS RELEASE.
SOURCE Patriots of Seabrook Island
I was age 7, growing up on Johns Island, South Carolina, when a ruby-throated hummingbird showed up in our yard on a spring day and began flitting amongst the blooms in my mother’s garden.For several minutes, I watched in fascination as the tiny bird zipped from flower to flower. It kept coming back over the next several days and I developed an attachment to it — as if it were returning just for me. From then on, I was a devoted bird lover. Now, some 70 years later, I have learned this lesson: Even seemingly everyday momen...
I was age 7, growing up on Johns Island, South Carolina, when a ruby-throated hummingbird showed up in our yard on a spring day and began flitting amongst the blooms in my mother’s garden.
For several minutes, I watched in fascination as the tiny bird zipped from flower to flower. It kept coming back over the next several days and I developed an attachment to it — as if it were returning just for me. From then on, I was a devoted bird lover. Now, some 70 years later, I have learned this lesson: Even seemingly everyday moments in nature can inspire a youngster to a lifelong commitment to conservation.
I tell this because four young neighbors on my street in Decatur have become hooked on birds — Ella Ballard, 11; Eden Ballard, 9; Declan Pease, 8; and Elias Parga-Tang, 7. Calling themselves Lil Birdie Rascals, they teamed up to compete in this year’s annual Youth Birding Competition (YBC) administered by the Georgia Department of Natural Resources.
In the event, birding teams of four youngsters each vie statewide by age group to find the highest number of birds within 24 hours — without help from the adults chaperoning them. The Lil Birdie Rascals tallied 33 species in or near our neighborhood, earning them the award for Top Rookie Team in the Elementary Division. They also received the Top Fundraising award for raising $735 to expand bird habitat at a neighborhood church.
Their 24-hour count started on my backyard deck overlooking woods along Burnt Fork Creek. They were thrilled right off when a red-shouldered hawk landed in the creek to take a bath, which Elias said was his favorite part of the count. Eden said her favorite part was seeing all of the biodiversity around a lake, including fish and turtles; Declan’s favorite was a close-up view of a mallard mother with two ducklings. For Ella, it was the total of 33 species — when her team’s goal was 25.
As Tim Keyes, the DNR’s coordinator for the YBC, noted: “This event always gives me great hope for the future of birding and conservation.”
IN THE SKY: From David Dundee, Tellus Science Museum astronomer: The Eta Aquarid meteor shower peaks this weekend at about 60 meteors per hour in the eastern sky. The moon will be first quarter on Sunday. Venus, Mars, Jupiter and Saturn (rising around midnight) are all low in the east a few hours before sunrise.
CHARLESTON, S.C. (Jan. 13, 2022) –The Medical University of South Carolina Foundation has received a commitment of $1 million from the Town of Kiawah Island in support of MUSC Health’s Sea Islands Medical Pavilion.“We are grateful to the Town of Kiawah for its major investment in our mission and their ongoing partnership to help us enable the right care, in the right place and at the right time,” said David J. Cole, M.D., FACS, MUSC president. “This donation will make a significant differ...
CHARLESTON, S.C. (Jan. 13, 2022) –The Medical University of South Carolina Foundation has received a commitment of $1 million from the Town of Kiawah Island in support of MUSC Health’s Sea Islands Medical Pavilion.
“We are grateful to the Town of Kiawah for its major investment in our mission and their ongoing partnership to help us enable the right care, in the right place and at the right time,” said David J. Cole, M.D., FACS, MUSC president. “This donation will make a significant difference as we seek to improve the well-being of the Sea Islands community, expand access to appropriate care, and bolster connectivity to the state’s only comprehensive academic health system when patients require the most complex care.”
The donation has been designated for a healing, restful green space and garden immediately adjacent to the new facility. Construction on the Sea Islands project is expected to begin in early 2022 and conclude in fall 2023.
“The Town is proud to invest in MUSC's Sea Islands Medical Pavilion and excited about the emergent care services it will provide to Kiawah, Seabrook, Johns and Wadmalaw Islands, and the broader community,” said Town of Kiawah Mayor John D. Labriola. “Our geography has always been a challenge and concern. This new facility will make a crucial difference in life-threatening emergencies and provide the Sea Island communities with greater ease of mind. We are grateful to MUSC for their pursuit of this project, to Kiawah Partners for donating the land, and to the other community partners who have made this possible.”
During the next five years, double digit population growth is anticipated in the Sea Islands community. This growth, along with the islands' geographic isolation, demographics, and community health profiles, has created an urgent need for additional health care services in this part of the South Carolina Lowcountry.
The area also accommodates a large seasonal population of tourists, many of whom have trouble navigating local health care services.
To meet this growing need, MUSC Health is building a new medical facility on Johns Island in the immediate vicinity of Kiawah and Seabrook islands. The facility will provide residents and visitors alike with convenient and rapid access to MUSC Health’s emergency care services, select outpatient services, and some of the nation’s top providers in primary and specialty care.
“People living in this area have to travel 30 or 45 minutes to reach the nearest hospital, sometimes more depending on traffic. That’s a big problem for someone having a stroke or cardiac event,” said Patrick J. Cawley, M.D., MUSC Health CEO and vice president for Health Affairs, University. “This new facility brings that care directly into the community. We’re extremely grateful to the Town of Kiawah and Kiawah Partners for helping to make that possible.”
The project was made possible in part by Kiawah Partners, which donated six acres of land to the Medical University Hospital Authority (MUSC Health), valued at $4.85 million. The project is estimated to cost $24 million. Of that amount, MUSC is working to raise $15 million in private support.
The 22,740-square-foot facility will be located at 1884 Seabrook Island Road, near Bohicket Marina. The ED will include four exam rooms, two trauma rooms, imaging and lab services and a helicopter pad. The medical office will offer primary and specialty care. A telemedicine network will connect the entire facility to MUSC Health providers in downtown Charleston for additional care and consultation, if needed.
In mid-June 2021, McMillan Pazdan Smith (MPS) was chosen to design the project. MPS is also one of two architectural firms working on designs for a new MUSC Health hospital in rural Williamsburg County.
Renderings of the Sea Islands medical pavilion are available upon request.
About the MUSC Foundation
The Medical University of South Carolina (MUSC) Foundation was chartered in 1966 as a charitable educational foundation to support the education, research, patient care and other programs at the Medical University. The foundation is a 501(c)(3) tax-exempt organization, contributions to which are tax-deductible.
Since its beginning, the MUSC Foundation has encouraged such worthwhile academic enterprises as endowed professorships; scholarships; the acquisition and development of campus facilities to serve student, teaching, research or clinical needs; and awards in honor of academic excellence. In addition, it has encouraged achievements in biomedical research.
The Foundation is governed by a 31-member board of directors. The president of the Medical University is an ex-officio, non-voting member of the board. Three members of the MUSC Board of Trustees also serve on the board. The remaining 27 at-large directors are not directly affiliated with the university. Five are alumni of MUSC. The foundation’s funds are invested and managed by professional money managers selected by the foundation’s Investment Committee. This committee uses a professional investment advisor to assist in evaluating its managers.
Founded in 1824 in Charleston, MUSC is home to the oldest medical school in the South as well as the state’s only integrated academic health sciences center, with a unique charge to serve the state through education, research and patient care. Each year, MUSC educates and trains more than 3,000 students and nearly 800 residents in six colleges: Dental Medicine, Graduate Studies, Health Professions, Medicine, Nursing and Pharmacy. MUSC brought in more than $327.6 million in biomedical research funds in fiscal year 2021, continuing to lead the state in obtaining federal and National Institutes of Health funding, with more than $220 million. For information on academic programs, visit musc.edu.
As the clinical health system of the Medical University of South Carolina, MUSC Health is dedicated to delivering the highest-quality and safe patient care while training generations of compassionate, competent health care providers to serve the people of South Carolina and beyond. Patient care is provided at 14 hospitals with approximately 2,500 beds and five additional hospital locations in development, more than 300 telehealth sites and nearly 750 care locations situated in the Lowcountry, Midlands, Pee Dee and Upstate regions of South Carolina. In 2021, for the seventh consecutive year, U.S. News & World Report named MUSC Health the No. 1 hospital in South Carolina. To learn more about clinical patient services, visit muschealth.org.
MUSC and its affiliates have collective annual budgets of $4.4 billion. The nearly 24,000 MUSC team members include world-class faculty, physicians, specialty providers, scientists, and care team members who deliver groundbreaking education, research, technology and patient care.
SEABROOK ISLAND, S.C. (WCIV) — South Carolina's first sea turtle nest of the 2021 season has been found right in Charleston County!On Wednesday, South Carolina Department of Natural Resources (SCDNR) biologists and volunteers announced that a mother loggerhead laid the first nest of the season overnight on Seabrook Island."Our staff and nest protection volunteers have been eagerly awaiting the arrival of the season’s first nest marking the return of these ancient reptiles," said SCDNR biologist Michelle Pa...
SEABROOK ISLAND, S.C. (WCIV) — South Carolina's first sea turtle nest of the 2021 season has been found right in Charleston County!
On Wednesday, South Carolina Department of Natural Resources (SCDNR) biologists and volunteers announced that a mother loggerhead laid the first nest of the season overnight on Seabrook Island.
"Our staff and nest protection volunteers have been eagerly awaiting the arrival of the season’s first nest marking the return of these ancient reptiles," said SCDNR biologist Michelle Pate, who oversees the agency's sea turtle nesting program. "We're hopeful for a great season under the watchful eyes of our dedicated volunteer network members."
The nest was found by volunteers Sandy MacCoss and Lucy Hoover, who first located a crawl left by the mother sea turtle.
In 2020, 5,560 nests were laid. The year prior broke all records with 8,795 nests, but 2018 saw just 2,767 nests. Officials said female sea turtles do not come ashore to lay eggs each year, citing the high energy toll of nesting.
Each clutch averages 120 eggs, which typically hatch after about 60 days.
SCDNR provided the following tips for beachgoers and boaters to help keep sea turtles safe:
Report all sick/injured/dead sea turtles and nest disturbances to the SCDNR at 1-800-922-5431 so that staff/volunteers can respond as soon as possible.
Respect boating laws and boat cautiously, especially in small tidal creeks where sea turtles like to feed. Boat strikes have emerged as the leading cause of death for sea turtles in South Carolina.
Keep artificial lights off the beach at night during nesting season – this includes beachfront property lights and flash photography, which can disorient nesting mothers and hatchlings.
Always respect sea turtles by observing them from a distance on the beach. Individuals that violate federal law by harming or interfering with sea turtles or their nests can be subject to civil penalties of up to $25,000 and up to a year’s imprisonment.
Keep our beaches and ocean clean by avoiding single-use plastics. Plastic bags and balloons are among the most common trash items found on South Carolina beaches and can cause injury or death when sea turtles mistake them for food.
Promote and support our program for continued conservation of sea turtles in South Carolina.
The nesting season officially runs from May 1 through October 31, with hatchings usually beginning at the start of July.