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).
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 Seabrook Island, 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 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.
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 Seabrook Island loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANSEABROOK ISLAND, S.C. (WCSC) - A first-time special committee on short-term rentals is hearing Seabrook Island residents’ concerns and hopes for the island’s future.The Seabrook Island Town Council established a Special Committee on Short-Term Rentals on Jan. 4 with the members being appointed on Jan. 23.The committee’s purpose is to study short-term rental activities and trends within the town. This could involve limiting the number of short-term rentals, limiting the ownership of multiple short-term rentals,...
SEABROOK ISLAND, S.C. (WCSC) - A first-time special committee on short-term rentals is hearing Seabrook Island residents’ concerns and hopes for the island’s future.
The Seabrook Island Town Council established a Special Committee on Short-Term Rentals on Jan. 4 with the members being appointed on Jan. 23.
The committee’s purpose is to study short-term rental activities and trends within the town. This could involve limiting the number of short-term rentals, limiting the ownership of multiple short-term rentals, what fees are reasonable, etc.
Seabrook Island is home to 2,345 family homes and villas and 588 of those are short-term rentals, according to the town.
With about 25% of the island being taken up by short-term rentals, some residents say there are issues that need to be addressed.
“Agitating alligators,” Seabrook Island resident John Lagna said during Wednesday’s first public forum. “Secondly, speeding. Thirdly, ignoring stop signs... Lastly, ignoring amenity rules.”
However, not everyone agrees.
“There are a number of factors that have entered into it, but short-term rentals seem to be an easy target,” resident Debra Hardick said.
The committee says they are referencing data from peak COVID-19 times from when the number of renters significantly increased.
Resident Paul McLaughlin says the growth of the island has impacted the overall sense of community.
“If you don’t know who your neighbors are, it’s just not a very good feeling,” McLaughlin said.
The committee is made up of a town councilman, homeowners and even short-term rental owners who have been on the island for around a decade or more. They say the town has previously had an Ad Hoc Committee to address this topic, which was allowed to be done privately, but they want this one to be public to increase transparency.
Darryl May is the only town councilman on the short-term rental committee while the other seven are residents.
“So, the goal of this committee is to develop a set of proposals for the town council to pass an ordinance,” May said.
During the public forum, some shared ideas for what that ordinance may or may not look like.
“I think we should allow renters,” resident Ann Laporte said. “I think we should allow a minimum of three nights. No more than that.”
Resident Bill Boissonalt has another idea, adding that the town shouldn’t still be referencing data from peak COVID in 2020.
“I just don’t believe that we need any new regulations regarding the overnight stay, the capped rentals, based on history,” Boissonalt said.
As far as what the committee thinks the ordinance could look like, May says he doesn’t want to jump the gun.
“I won’t hazard to guess because we’re just starting out this process and we want to have a very open mind,” May said. “But we do anticipate getting an ordinance by about June.”
There are still three more public hearings over the next two weeks and the committee encourages Seabrook Island residents and those who rent on the island to speak.
Click here to read more about past short-term rental data and sign up for public comment.
Read below for the details on the next three public forums:
Public Forum #2
Public Forum #3
Public Forum #4
Copyright 2024 WCSC. All rights reserved.
From celebrated golf courses to unspoiled beaches, these destinations have it all.South Carolina is often referred to as the Palmetto State, so named for the abundance of the trees in the area, but it could just as easily be dubbed the Barrier Island State. With 34 barrier and tidal islands peppering its shoreline (more than any other state ...
From celebrated golf courses to unspoiled beaches, these destinations have it all.
South Carolina is often referred to as the Palmetto State, so named for the abundance of the trees in the area, but it could just as easily be dubbed the Barrier Island State. With 34 barrier and tidal islands peppering its shoreline (more than any other state except for Florida), South Carolina spills over with natural wonders, beautiful beaches, and unique destinations to explore. In our 2024 South's Best awards, readers voted on some of the very best of them. Here are the best islands in South Carolina, according to our readers.
01 of 10
With 12 miles of public beaches, more than 24 championship golf courses, and around 250 restaurants, Hilton Head's numerical stats alone prove why it's one of the state's most beloved islands. But the real magic, of course, belongs to its community—a mix of transplants and born-and-breds who are sure to make you feel right at home, whether you're sampling local oysters at Hudson's on the Docks or watching the boats come in at Shelter Cove Marina.
02 of 10
There’s nothing sleepy about this mile-wide destination just a short drive from downtown Charleston, where the activity and restaurant offerings belie its small size. Catch a concert at beachfront venue The Windjammer, play golf or tennis at nearby resort Wild Dunes (where you can book a stay in one of the property’s two inns or numerous vacation rentals), or shake out your towel on a sliver of the island’s six miles of sandy beaches for a leisurely day in the sun.
03 of 10
While much of this tree-shaded barrier island is accessible only to those staying at Kiawah Island Golf Resort (either at The Sanctuary hotel or in one of their many rental properties), Beachwalker Park on the island’s west end is home to one of the state’s most beautiful beaches. Here, you’ll find both ocean-fronting shoreline and river views and can rent chairs and umbrellas for a no-fuss beach day. On your way, pick up deli sandwiches from The Station, an old-school convenience store in Freshfields Village, for an easy picnic.
04 of 10
This sea island about an hour’s drive from Charleston feels like a throwback in all the best ways. You won’t find high-rise hotels here, and the wildest nights are Tuesdays and Thursdays from the end of May through the beginning of August when the Edisto Island Lions Club hosts bingo (no booze allowed). For seasonally driven fare made with locally sourced ingredients, settle in for a meal at Ella and Ollie's (pictured above). The area’s crowning jewel is Botany Bay, a 4,600-acre nature preserve with nearly three miles of unspoiled shoreline, where erosion has left dead trees in its wake, resulting in a beautiful, otherworldly span referred to as the “boneyard beach.”
05 of 10
Just two-and-a-half miles long, Sullivan’s is a secret that Charleston locals are keen to keep. First settled in the late 17th century, the island can claim an embarrassment of riches when it comes to both historical significance and natural beauty. The wide beaches are pristine, and there’s nary a trace of touristy kitsch on Middle Street, the town’s main drag—just a handful of memorable eateries (we’re partial to The Obstinate Daughter’s house-made pastas) and well-curated shops (visit Sandpiper Gallery to peruse the work of local artists). The bitty beach town is big on curb appeal too: thoughtfully maintained historic homes and storybook cottages with flower-swamped trellises line the streets that crawl toward the beach.
06 of 10
About a dozen miles from downtown Charleston, this 12-square-mile barrier island is best known for being home to Folly Beach, a laid-back surf town that departs from the Holy City’s tucked-in approach in favor of flip-flop casual. With the Folly River on one side and the Atlantic Ocean on the other, there’s no shortage of opportunities for waterfront fun: Paddle through tidal creeks with a local outfitter, stretch out on the sand (there are six miles of beachfront here), or cast a line from the historic Folly Beach Pier, which recently reopened after extensive renovations.
07 of 10
Just a 25-minute drive from downtown Beaufort, explore the seaside charmer's wilder side at Hunting Island State Park (South Carolina's most popular state park). Here, five miles of unspoiled beaches unfurl along the Atlantic and sandy trails wind through dense maritime forest.
08 of 10
As the crow flies, the southernmost of South Carolina’s barrier islands is just miles from Savannah and Hilton Head, but it might as well be worlds away. Daufuskie is accessible only by boat (the official ferry offers four shuttles from Bluffton a day, five on Fridays), which is likely one of the reasons its 500 or so residents have been able to so carefully preserve its natural environment and its rich Gullah history. And while the island remains untouched in many ways, that doesn’t mean there’s nothing to see or do here: Tour the island with sixth-generation Daufuskie native Sallie Ann Robinson for an education in Gullah culture; go for a horseback ride on the beach; shop indigo-dyed goods at Daufuskie Blues; and cap off the day with a plate of deviled crab at Old Daufuskie Crab Company.
09 of 10
About 20 miles from Beaufort, Fripp Island is a 3,000-acre designated wildlife sanctuary, home to more than 175 species of birds, plus endangered loggerhead turtles who use its beach as a nesting ground. The private island is accessible only to homeowners and those staying in vacation rentals, but once you're here, there's plenty to do, from guided kayak eco-tours to pickleball and golf.
10 of 10
Right next door to Kiawah Island, Seabrook has stunning saltmarsh vistas and celebrated golf courses, along with a full-service equestrian center that offers guided horseback rides. Its nearly four miles of beaches are private, accessible only to residents and those renting, though Bohicket Marina (just before the property’s gates) welcomes anyone and everyone to enjoy its river views. Snag a table on the upper deck of Salty Dog Cafe to tuck into fresh seafood with one of the area’s most memorable sunsets.
Everyone who cares about southern Johns Island should be pleased that a controversial annexation was pulled from the Seabrook Island Town Council's agenda last week in the face of mounting opposition over what the annexation would help create — a new boat dock, private clubhouse, boathouse, pool house and 10 rental cottages — and the likelihood that it would add more traffic and pollution to the rural side of Charleston County's urban growth boundary.But those same folks, particularly leaders on Kiawah and Seabrook islands...
Everyone who cares about southern Johns Island should be pleased that a controversial annexation was pulled from the Seabrook Island Town Council's agenda last week in the face of mounting opposition over what the annexation would help create — a new boat dock, private clubhouse, boathouse, pool house and 10 rental cottages — and the likelihood that it would add more traffic and pollution to the rural side of Charleston County's urban growth boundary.
But those same folks, particularly leaders on Kiawah and Seabrook islands and Charleston County Council, should not get complacent. Instead, they need to work together on better planning to guide development in and around where those two sea islands meet up with southern Johns Island.
It's unclear when, or if, the developer's annexation request might resurface. Even if it doesn't, there undoubtedly will be other development plans that will expose the tensions between those living on rural Johns Island and those living beyond the gates at Kiawah and Seabrook. This moment offers an important reset, one that should begin with getting all these local governments to recommit to the vision of an urban growth boundary — a line past which suburban development would not be supported through zoning, infrastructure or other local policies.
Such a recommitment wouldn't bind future councils any more than their respective comprehensive plans do, but it would send a unified message about their mutual commitment to respect the natural beauty and environmental sensitivity of the area.
It's clear that development pressures at Kiawah's and Seabrook's doorstep are increasing. A fresh series of new developments, including a senior living facility and an emergency medical facility, is cropping up. Elected officials, neighborhood leaders and county planners need to come up with a mutually agreed-upon zoning overlay for the area, one that would guide future development to ensure new uses and the size and scale of new buildings are appropriate. Such an overlay also would prevent developers from trying to play one jurisdiction against another to get the permits they seek, a tactic sometimes used in other parts of the tri-county area.
The mutual interests of everyone became clear during this recent annexation controversy, as the mayor of Kiawah Island took the unusual step of sending a letter to Seabrook's mayor and council urging them to reject the annexation and respect the urban growth boundary, which Mayor John Labriola noted "serves as a guide to direct appropriate urban and suburban development while preserving and cherishing the rural charm of the Sea Islands that we all hold dear."
Given what we've seen this summer, the existing urban growth boundary line may not continue to be enough on its own, and we believe a joint planning effort could help pin down the following: to what extent commercial development in the greater Freshfields area should be allowed to inch its way north on Betsy Kerrison; whether the towns should annex any more of Johns Island; whether any upzoning in the area might be appropriate; and how new building would affect the net traffic and drainage needs around Kiawah and Seabrook. While residents live only on Kiawah or Seabrook or in the unincorporated area, they have a stake in the answers to all those questions. This area deserves a new zoning overlay and conservation goals that offer a shared vision of how the southern part of Johns Island will — and will not — change.
Regional planning needs to take place on a large scale — such as our greater metro area from Seabrook to Awendaw to Summerville and Moncks Corner — but it's also necessary on a smaller scale, especially in those places such as southern Johns Island where multiple local governmental jurisdictions meet.
Decades ago, the city of Charleston and Charleston County came up with the urban growth boundary across Johns Island and other areas where the suburbs ended to ensure their zoning and other policies worked together to protect rural areas that residents wanted to remain rural. Kiawah and Seabrook were once seen as too distant to bring into the conversation about that line. That's not the case any more.
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There are several powerful reasons why Seabrook Island Town Council should reject a proposed annexation that would pave the way for a new boat dock, private clubhouse, boathouse, pool house and 10 rental cottages near the town's northern limits.The additional boat and car traffic would create more congestion on Betsy Kerrison Parkway in particular and Johns Island in general, as well as more pollution to the otherwise pristine Bohicket Creek. But the biggest reason Town Council should reject the 18-acre annexation is the dangerous pre...
There are several powerful reasons why Seabrook Island Town Council should reject a proposed annexation that would pave the way for a new boat dock, private clubhouse, boathouse, pool house and 10 rental cottages near the town's northern limits.
The additional boat and car traffic would create more congestion on Betsy Kerrison Parkway in particular and Johns Island in general, as well as more pollution to the otherwise pristine Bohicket Creek. But the biggest reason Town Council should reject the 18-acre annexation is the dangerous precedent it would set, a precedent that would erode the rural character of southern Johns Island.
Decades ago, local governments, led by the city of Charleston and Charleston County, agreed on an urban growth boundary across Johns Island and other areas. The big idea was to ensure their zoning and other policies were synchronized to allow suburban development to continue to spread, but only up to a point, beyond which the existing rural nature would be preserved. The boundary has generally worked well, but as with so much other conservation work, it needs to be embraced and reaffirmed by each new generation.
Seabrook Island's potential move would mark one of the first and most dramatic annexations by a municipality into the rural portion of the island; if it succeeds, it almost assuredly wouldn't be the last, and it could hasten the unraveling of the boundary line — and increase development pressures on the shrinking amount of land on the rural side of the boundary.
Robby Maynor of the Coastal Conservation League agrees that annexing and rezoning this property on the rural side of the urban growth boundary would set a disastrous precedent on the county's Sea Islands and could lead to annexation battles such as those that are playing out along the most rural stretches of the upper Ashley River, whose rural historic district remains in jeopardy from encroaching homes, stores and the traffic they bring. Approving the marina project would be "like kicking an anthill and hoping you don't get bit," he says.
The case that the property's owner and other supporters have made for the annexation is that it would give Seabrook Island future control of the site and limit future development there, according to reporter Warren Wise. But the proposal appears to us as designed to facilitate development, not to curb it. Annexing the site, which is next to Bohicket Marina, would allow it to tie into the town's sewer system.
Unfortunately, Seabrook Island's Planning Commission has recommended annexing the site and rezoning it for a mixed-used development. We urge Town Council members to reject that move when they consider the matter Aug. 22.
As Mr. Wise noted, the project is a scaled-down version of a 30-year-old Andell Harbor project that state environmental regulators rightly and mercifully rejected. While this is smaller, with only about 4 acres of development near the creek and the rest set aside for open space, it still would represent an unwelcome and disturbing encroachment into the rural area between the barrier islands of Kiawah and Seabrook and the suburban growth from the city of Charleston.
Last year, we urged elected officials, neighborhood leaders and planners with Charleston County and the two beach towns to come up with a mutually agreed-upon overlay for their shared area at the southern tip of Johns Island. That overlay should guide future development toward the kinds of uses — and the sizes and scale — residents of all three jurisdictions would most like to see, and help address growing real estate pressures in a way residents prefer. We repeat the call for regional cooperation, and Seabrook Island's rejection of this annexation would be an important first step.
SEABROOK ISLAND, S.C. (WCSC) - The potential for a new yacht club and several docks on Seabrook Island is concerning Sea Islanders and environmental advocates.Town of Seabrook leaders discussed those plans Wednesday, which would include the annexation of a portion of Charleston County into Seabrook island.The town’s planning commission voted 4-1 to recommend moving forward with the annexation to the town council.The nearly 18-acre site, called the “Andell Tract,” sits between Bohicket Marina and Betsy K...
SEABROOK ISLAND, S.C. (WCSC) - The potential for a new yacht club and several docks on Seabrook Island is concerning Sea Islanders and environmental advocates.
Town of Seabrook leaders discussed those plans Wednesday, which would include the annexation of a portion of Charleston County into Seabrook island.
The town’s planning commission voted 4-1 to recommend moving forward with the annexation to the town council.
The nearly 18-acre site, called the “Andell Tract,” sits between Bohicket Marina and Betsy Kerrison Parkway on Johns Island.
the plan includes a private Yacht Club and amenities such as a boat house, pool house and detached hotel containing 10 two-story cottages, according to town documents.
It also has public spaces including a boardwalk, pathways and a community crabbing dock.
Dana Beach, the founder of the Coastal Conservation League, said his two main concerns about the proposal are the environmental impacts on the water, and the crossing of Charleston County’s Urban Growth Boundary.
He said if The Town of Seabrook annexes this portion of Charleston County into their town for development, it could set a precedent for other local municipalities to do the same.
“The town may say ‘this is only a 20-acre parcel that in itself isn’t a big deal,” Beach said. “That’s what Charleston could say if it wanted to coming down from the north, that’s what Kiawah could say as it comes in from the East, even Folly Beach could say that.”
Robby Maynor, the Communities and Transportation Program Director for Coastal Conservation League echoed Beach’s point while addressing the planning commission at Wednesday’s meeting.
“There is an ongoing effort for collaboration between the municipalities on the sea islands to reaffirm that growth boundary to help strike a balance between development and preservation, this annexation would be a step in the wrong direction,” Maynor said.
The majority of the 544 written comments and 10 in person comments were against the development, although some community members spoke in its’ favor.
“I believe a Yacht Club is an amenity that fits perfectly within our diverse group of people,” Seabrook resident, Jackie Helline, said.
Mike Shuler, the Owner and Managing Partner for Bohicket Marina Investors, said he respectfully disagrees with the fear that this annexation may set a precedent for other municipalities to cross Charleston County’s Urban Growth boundary.
“What we are annexing is part of Seabrook’s comprehensive plan. Whether it crosses an Urban Growth Boundary, in my opinion, isn’t relevant here,” Shuler said. “Not to mention, further expansion beyond the property we are contemplating here is not possible because of conservation easements that are in place.”
Copyright 2023 WCSC. All rights reserved.