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 Seven Oaks, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Seven Oaks'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 Seven Oaks, 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 Seven Oaks, 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 Seven Oaks, 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 Seven Oaks, 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.
Al and Martha Rasche were very familiar with the grand 1895 Victorian home at 104 Broadus Ave. They passed it often going to church at Fourth Presbyterian Church across the street and through visits to Greenville. When the home (originally built by textile mill owner Charles E. Graham) came up for sale in 1981, they jumped on the opportunity and soon settled on the idea of opening a high-end restaurant in the elegant mansion.However, the vine- and wisteria-covered home had suffered ne...
Al and Martha Rasche were very familiar with the grand 1895 Victorian home at 104 Broadus Ave. They passed it often going to church at Fourth Presbyterian Church across the street and through visits to Greenville. When the home (originally built by textile mill owner Charles E. Graham) came up for sale in 1981, they jumped on the opportunity and soon settled on the idea of opening a high-end restaurant in the elegant mansion.
However, the vine- and wisteria-covered home had suffered neglect and ultimately ran up a renovation bill over $1 million. Original hand-cut rock maple parquet floors and stained-glass windows were restored along with the fireplaces that adorned each room. The grand ballroom that originally occupied the top floor was made into functional offices. For the Seven Oaks dining space, six rooms with 14-foot ceilings were decorated with furniture in the late 19th-century French style, and tables were covered with white tablecloths.
The cuisine was decidedly French (with touches of northern Italian influence) and rightly so, as Executive Chef Robert Plantadis was a classically trained Frenchman who was perhaps the first chef in Greenville to bring a fully farm-to-table concept to the menu. A local newspaper reported that the chef developed relationships with area farmers and took a hands-on role instructing the farmers how he wanted the cattle, pigs and chickens to be fed and slaughtered to yield the most tender and flavorful meats. When the meat and seafood arrived, he would butcher them into portions himself.
Various French breads were baked fresh daily and served to each guest upon arrival. Dinner entrees that graced the early menu included veal scallopine, crustaches en brochette and lobster thermidor. At lunch, guests could choose from such dishes as cannelloni au gratin (all pastas were made in-house as well), poultry supreme and red snapper vesuvio. To finish off the experience, desserts, of course, were also all made from scratch.
By 1985, Seven Oaks saw high-end downtown dining competition rise from The Commerce Club on the top story of the new U.S. Shelter building. After five years of the hectic yet rewarding life of running a restaurant, the Rasches decided to move on and sell the restaurant.
Kiyohiri Tsuzuki bought Seven Oaks as his first Greenville venture into the food-service industry. He came from Japan to start a textile mill, TNS Mills, in Blacksburg, South Carolina, in 1967. New chef Bill McKenzie continued to serve an American-centric menu with favorites that included grilled veal chop with sun-dried tomatoes, filet mignon, tournados Tazewell II and roast duckling. Soon the restaurant boasted the most extensive wine list in South Carolina. Countless locals made lifetime memories and celebrated significant occasions there such as anniversaries and proposals.
As competition grew and tastes changed, a 19-year tradition of dining at Seven Oaks ended in early 2002. The home has been beautifully restored and is now the home office for Family Legacy financial planning.
This post was contributed by a community member. The views expressed here are the author's own.Neighbor NewsThe Midlands Largest Drive-Through Lights Show!NeighborEXPERIENCE THE MAGICFrom November 26th through December 31st, Saluda Shoals Park will come alive in a blaze of more than a million sparkling lights. Holiday Lights on the River features over 400 themed, animated light displays on a two-mile loop of the Park!...
This post was contributed by a community member. The views expressed here are the author's own.
EXPERIENCE THE MAGICFrom November 26th through December 31st, Saluda Shoals Park will come alive in a blaze of more than a million sparkling lights. Holiday Lights on the River features over 400 themed, animated light displays on a two-mile loop of the Park!
Enjoy the Dazzling Dancing Forest with its dancing, lighted trees synchronized to classical and whimsical holiday music. See the three dimensional Victorian Village, Old Man Winter, the holiday classic Twelve Days of Christmas and so much more, all in sparkling lights.
Take a stroll along the boardwalk through the Wetland Wonderland Walking Trail and watch nature come to life in sparkling lights. Take a hayride to the boardwalk for $1 per person or walk along the new trail to the Wetland and enjoy a laser light show and the Deck the Doors Holiday door display along the way. Holiday Lights admission applies. (To submit a door for the display, please complete the Deck the Doors application.)
Get ready for the slide of your life on the Winter Wonder Ride at Holiday Lights on the River. Zip through a series of lighted arches and experience downhill tubing without the snow on this 125 foot, exciting, fun-packed family ride. Tubes are provided. The Winter Wonder Ride is suitable for children and adults 42” and taller. If you are under the age of (4) you must be accompanied by your parents or guardian. Fee: $2 per slide with Holiday Lights admission or $10 for and all you can slide pass
The Winter Wonder Ride is open Thursday through Sunday (except Thanksgiving and Christmas) and nightly during the Nights of Wonder, December 12-23 from 6-10 p.m.
Dates, Times and Location
Saluda Shoals Park, 5605 Bush River Road, Columbia, SC
Holiday Lights on the River - November 26-December 31, 2014, 6:00-10:00 p.m. Wetland Wonderland Walking Trail - open nightly from 6:00-10:00 p.m. Laser Light Show - open nightly from 6:00-10:00 p.m. Nights of Wonder - December 12-23 only! 6:00-10:00 p.m. Winter Wonder Ride - Open Thursday-Sunday nights (except Thanksgiving and Christmas) and nightly December 12-23 from 6-10 p.m. Santa’s Claus’et Gift Shop - Open Thursday-Sunday nights (except Thanksgiving and Christmas) and nightly December 12-23 from 6-10 p.m.
Holiday Lights AdmissionCars: $15; 15-Passenger Vans: $25; Buses: $40
Call 803-772-3903 or visit www.icrc.net for additional Holiday Lights information!
We’ve removed the ability to reply as we work to make improvements. Learn more here
The views expressed in this post are the author's own. Want to post on Patch?
Check out these events to take the goblins and ghouls.|Updated Tue, Oct 30, 2012 at 9:14 pm ETHere's Patch's roundup of Halloween events in the area leading up to trick-or-treating time!Did we miss your favorite event? Add it in comments and then add it to the events caldendar so others don't miss out.TodayHaunted History Halloween ToursThe 6th annual Haunted History Halloween progam hosted by the Lexingt...
|Updated Tue, Oct 30, 2012 at 9:14 pm ET
Here's Patch's roundup of Halloween events in the area leading up to trick-or-treating time!
Did we miss your favorite event? Add it in comments and then add it to the events caldendar so others don't miss out.
Haunted History Halloween Tours
The 6th annual Haunted History Halloween progam hosted by the Lexington County Museum is today at 7 p.m. Listen to some ghostly stories as you take a tour of the museum property.
Riverbanks Zoo and Garden's Boo at the Zoo starts today through Oct. 30. The event is from 6 to 9 p.m. and features a trick-or-treat trail, a mysterious maze, a climbing wall, marshmallow roast and more. Tickets are $6 for members and $8 for general admission.
From 11 a.m. to 4 p.m. Saturday and Oct. 27, guests can enjoy the museum's annual Hallween event featuring balloon art, games, a scavenger hunt and more. Activities are free with museum admission or membership. If you go in your costume, you can receive a dollar off regular admission.
Halloween at the Park
Crooked Creek Park is having a Halloween event for all ages. Kids can enjoy carnival games, a costume contest, prizes and more. There is a cost for tickets for the carnival games.
Sheriff Metts Trail of Treats
The 4th annual Sheriff Metts Trail of Treats will be held Oct. 27 from 11 a.m. to 2 p.m.
Will O 'the Wisp
Head to Saluda Shoals park for Will O 'the Wisp, a Halloween celebration for children ages 2-8.
Harbison Community Association's Trick or Treat Trail
The Harbison Community Association is having its first Trick or Treat Trail at Lake Woodcross.
EdVenture Children's Museum's 3rd Beakers & Broomsticks celebration is from 5 to 8 p.m. Admission is $9 per person. Combining science and all things Halloween, guests will enjoy creepy labs, glowing graffiti, mad experiments and more. The museum has included a new activity this year with the celebration of Dia de los Muertos. Celebrate this Mexican holiday with daincing, live music and more.
The Columbia Museum of Art will hold its Spooktacular Night from 5 to 8:30 p.m. The night is fille dwith a haunted gallery hunt, mad scientist experiment, spooky tours, face painting, gourd decorating and more. The event is free with membership or admission.
Columbia Parks and Recreation is holding its annual Halloween Fall Festival at Dutch Square Mall.
Head over to Columbiana Centre for face painting, a puppet show, magic tricks and more.
Get more local news delivered straight to your inbox. Sign up for free Patch newsletters and alerts.
A guide to Christmas tree farms in the MidlandsDust off that box of garland, ornaments and lights, then head out with the family to find the perfect tree.There are a number of Christmas tree farms and locations across the Midlands where you purchase cedar, pine, cypress, or fir.Find out what's happening in Irmo-Seven Oakswith free, real-time updates from Patch.Hours: Mon.-Thurs. 3 p.m. to 7 p.m., Fri.-Sat. 9 a.m. to 7 p.m., Sun. noon to 6 p.m.Trees: Carolina Sapphire, Eastern Red Cedar, Leyland Cypress ...
Dust off that box of garland, ornaments and lights, then head out with the family to find the perfect tree.
There are a number of Christmas tree farms and locations across the Midlands where you purchase cedar, pine, cypress, or fir.
Hours: Mon.-Thurs. 3 p.m. to 7 p.m., Fri.-Sat. 9 a.m. to 7 p.m., Sun. noon to 6 p.m.
Trees: Carolina Sapphire, Eastern Red Cedar, Leyland Cypress and pre-cut Fraser Firs. Also includes fresh wreaths and a gift shop/barn.
Address: 1509 Nazareth Road Lexington, SC
Hours: Mon.-Fri. and Sunday 2 to 5:30 p.m., Sat. 9 a.m. to 5:30 p.m.
Trees: Virginia Pine
Address: 833 Old Lexington Highway Chapin, SC
Hours: Mon.-Fri. 3 p.m. to 5:30 p.m., Sat. 9 a.m. to 5:30 p.m., Sun. 1 p.m. to 5:30 p.m.
Trees: Blue Ice, Carolina Sapphire, Deodar Cedar, Eastern Red Cedar, Leyland Cypress, Murray Cypress, Virginia Pine, White Pine and pre-cut Fraser firs. Fresh wreaths also available.
Address: 564 Amicks Ferry Road Chapin, SC
Hours: Mon. 3 to 5:30 p.m., Tues.-Fri. 3:30 to 5:30 p.m., Sat. 9 a.m. to 5:30 p.m., Sun. 1 to 5:30 p.m.
Trees: Blue Ice, Carolina Sapphire, Deodar Cedar, Eastern Red Cedar, Leyland Cypress, Murray Cypress, Virginia Pine, White Pine and pre-cut Fraser Firs. Wreaths available.
Address: 228 Windmill Road Gilbert, SC
Hours: Mon.-Sat. 9 a.m. to 5:30 p.m., Sun. 1 to 5:30 p.m.
Trees: Blue Ice, Carolina Sapphire, Deodar Cedar, Eastern Red Cedar, Leyland Cypress, Murray Cypress, Virginia Pine, White Pine, Thuja Green and pre-cut Fraser Firs. Wreaths available.
Address: 1458 Spann Road Batesburg, SC
Hours: Mon-Fri. and Sunday 1 to 5:30 p.m., Sat. 9 a.m. to 5:30 p.m.
Trees: Carolina Sapphire, Eastern Red Cedar, Leyland Cypress, Murray Cypress, Virginia Pine, White Pine, Clemson Greenspire and pre-cut Fraser Firs. Wreaths available.
Address: 20670 Highway 76 Newberry, SC
Hours: Mon-Fri. and Sunday 1 to 5:30 p.m., Sat. 9 a.m. to 5:30 p.m.
Trees: Carolina Sapphire, Eastern Red Cedar, Leyland Cypress, and pre-cut Fraser Firs. Wreaths available.
Address: 940 Mud Creek Road Newberry, SC
Hours: Mon.-Fri. 1 to 5:30 p.m., Sat. and Sun. 10 a.m. to 5:30 p.m.
Trees: Blue Ice, Carolina Sapphire, Eastern Red Cedar, Leyland Cypress, and pre-cut Fraser Firs and Clemson Greenspire.
Do you know of other places to get the perfect Christmas tree in the Midlands? Let us know in the comments and we'll add them to our list.
Get more local news delivered straight to your inbox. Sign up for free Patch newsletters and alerts.
Check out what's happening in several of Lexington-Richland 5's schools.Shireese Bell, Patch Staff|Updated Fri, Feb 1, 2013 at 1:00 am ETCocky Reading Express at Harbison West and Seven Oaks elementary schoolsThe Cocky Reading Express stopped by Harbison West Elementary to visit with kindergarten and first-grade students.Five students from the University of South Carolina read to the stu...
Shireese Bell, Patch Staff
|Updated Fri, Feb 1, 2013 at 1:00 am ET
The Cocky Reading Express stopped by Harbison West Elementary to visit with kindergarten and first-grade students.
Five students from the University of South Carolina read to the students. One book was interactive involving several students from the audience. One of the favorites was "Pete the Cat." After the program, each student was given a "Pete the Cat" book to take home. Mrs. Williams, a kindergarten teacher, said, "The program was amazing. It kept the students attention and they loved participating."
Cocky Reading Express also visited with students at Seven Oaks Elementary School.
Teacher of the Year and Support Staff of the Year Announced
On January 31, Robert Schiesser, a second grade teacher, was announced as the 2013-2014 Nursery Road Elementary School Teacher of the Year. Brenda Macaluso, and instructional assistant, was announced as the 2013-2014 Support Staff Member of the Year.
Top Reading with the Gamecocks Reader
Lavanya J., a fifth grader, was the top reader for the Reading with the Gamecocks program this year at Nursery Road. Lavanya read 2,656 pages over her Winter Break. Lavanya received a certificate and aprize pack full of Gamecock-themed merchandise for being the top reader.
Good Neigh-Bear Award
Angel Colon, Nursery Road's cafeteria manager, received the Good Neigh-Bear Award for the month of January, which is sponsored by State Farm.
Authors visit Nursery Road
On January 24, three authors visited Nursery Road.
Regina Ridgell, author of "Baby Loggerhead's Long Journey"; Cynthia Grosso, author of "The Proper Penguin"; and Nina Heider, author of "ABC's Up in the Trees," shared their books with students in five separated sessions. The "author festival" was fun for students as well as teachers. The authors are all local, from South Carolina and Georgia.
Do you have some school news you want to share? Upload a photo and a brief description to the Pics & Clips gallery.