With 30 years in the industry

Mortgage Broker in Simpsonville, SC

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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 Simpsonville, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.

My name is Dan Crance - Simpsonville'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 Simpsonville, 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 Broker Simpsonville, SC
 Refinance Simpsonville, SC

Why Choose Dan Crance As Your Mortgage Lender in Simpsonville, SC?

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.

Ask Dan Anything843-478-5612
 Conventional Mortgage Simpsonville, SC

Home Financing in Simpsonville, SC

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 Simpsonville, 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 Simpsonville, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.

 FHA Mortgages Simpsonville, SC

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.
Ask Dan Anything843-478-5612

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 Simpsonville, SC.

Refinancing in
Simpsonville, 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 Simpsonville, SC - 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:
 Home Ready Mortgages Simpsonville, SC
Shorter Term Loan

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

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

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.

 Mortgage Banker Simpsonville, SC

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.

Generally speaking, you should consider refinancing when mortgage rates are 2% lower than the current rate on your home loan. For some homeowners, refinancing makes sense when there is only a 1% difference. Reducing your mortgage rate is a great way to save money or apply your savings to a home upgrade. The money you save on your refinanced loan depends on your loan amount, budget, income, and charges from interest rates. It's crucial that you work with a trusted mortgage loan officer in Simpsonville, SC, to help calculate your refinancing options.
This is one of our most frequently asked questions at Classic Home Mortgage. In simple terms, points let you make a tradeoff between the upfront costs of your loan and your monthly payment amount. Points are essentially costs that you have to pay to your mortgage lender to get financing under specific terms. A point is defined as a percentage on your loan amount. 1-point is equal to 1% of the loan. So, 1 point on a loan worth $100,000 is equivalent to $1,000. When you pay some of the interest on your home loan upfront, you use discount points to lower your interest rate.
If you plan to live in the property for a few years, it makes a lot of sense to pay points to lower your interest rate. Doing so will help lower your monthly loan payment, which you can use to save money. Paying points may also increase the amount of money that you can borrow. If you do not plan on living in the property for at least a few years, this strategy might not make financial sense because you might not be able to make up the amount of the discount points you paid up-front.
In short, yes, your mortgage lender will need to know your credit score. Credit scoring is a system that creditors use to decide whether they will give you credit. Your credit score helps creditors decide how creditworthy you are or how likely you will repay your loan. In most circumstances, creditors will use your FICO scores during the loan process. Your score will fall between high risk (350) and low risk (850). Your credit score plays a big role in the loan process, and as such, your score must be accurate before submitting a credit report when applying for a loan.
The answer to this question depends on how money you choose to put as a down payment on your home. On a conventional loan, if your down payment is less than 20% of the price of your home, your mortgage broker in Simpsonville may require you to get Private Mortgage Insurance or PMI for short. This insurance protects your lender in the event you default on your mortgage. The best way to avoid paying for this insurance is to make a down payment of 20% or more of the purchase price of your home.
 Mortgage Company Simpsonville, SC

Trust Dan Crance

Your Mortgage Lender in Simpsonville, SC

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 Simpsonville loves Classic Home Mortgage.

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The Ultimate Guide to Kids’ Activities and Classes in Greenville, SC

Dance is for everyone, regardless of age, shape, size, or ability at Dance Without Limits. Dance classes are offered for students ages 18 months to 18 years old.Offerings include the Twinkle Toes preschool program (ballet, tap, and hip hop/tumbling combo) and elementary through high school classes in ballet, tap, jazz, lyrical, acrobatics, and hip hop. A special Limitless Friends class is also offered for students with disabilities. All classes are inclusive, and Dance Without Limits enjoys offering a family-friendly, non-competitive ...

Dance is for everyone, regardless of age, shape, size, or ability at Dance Without Limits. Dance classes are offered for students ages 18 months to 18 years old.

Offerings include the Twinkle Toes preschool program (ballet, tap, and hip hop/tumbling combo) and elementary through high school classes in ballet, tap, jazz, lyrical, acrobatics, and hip hop. A special Limitless Friends class is also offered for students with disabilities. All classes are inclusive, and Dance Without Limits enjoys offering a family-friendly, non-competitive dance program.

Class Listings:

Twinkle Toes Preschool Dance Program

Twinkle Baby and Me: (ages 18-24 months) A 30-minute introductory class containing ballet, tap, and creative movement. Young dancers will learn the basics in a positive environment. Engaging age-appropriate music is used to get these little ones inspired to dance. An adult is required to participate in this class.

Twinkle Babies: (ages 2-3) A 45-minute introductory dance class containing ballet, tap, and creative movement. Young dancers will learn the basic steps while learning how to follow directions and imitate movement in a positive environment. Engaging music is used to get these little ones inspired to dance. The use of props, like Twinkle Bears, hula hoops, and bubbles, enables the young dancers to use their imagination and creativity, but mostly to have fun!

Twinkle Stars: (ages 3-4 and 4-5) An age-specific 45-minute class containing tap, ballet, and jazz/creative movement. The purpose of the class is to introduce young dancers to the three styles of dance and inspire movement and creativity within a positive environment. Dancers will also learn basic steps and terminology in all three styles. The use of fun age-appropriate music engages the young dancers’ minds and bodies. Plus, hula hoops, scarves, and bubbles for free dance makes the end of class so much fun!

Tot Hop & Tumble: (ages 3-5) This upbeat 45-minute class introduces our young dancers to basic elements of hip hop, creative movement, and beginner-level tumbling. We incorporate obstacle courses and fun props, such as our mini trampoline and hula hoops! The perfect way to release the wiggles while learning hip hop fundamentals.

Twinkle Ballet: (ages 3-5) This 30-minute class for our young dancers incorporates all the ballet elements from our regular Twinkle Stars class, without the tap portion. The perfect class for little ones who enjoy a bit of a quieter setting.

Elementary, Middle, and High School Classes

Tap: (ages K5-18) A percussive style of dance which gets its name from the sound made when the metal plates on the dancer’s shoes contact the floor. Emphasis on rhythm and clarity of sounds from the feet.

Ballet: (ages K5-18) A class which progresses from beginning ballet steps to advanced technique and placement. Each class will begin at the barre, then move to center floor work and across the floor. Ballet is the building block of all other forms of dance and necessary to excel in all other forms. For this reason, we strongly encourage all students to take a ballet class.

Jazz: (ages K5-18) Jazz builds on the fundamentals learned in ballet and is very structured in technique. The class progresses from a center warm-up with emphasis on strength and flexibility, then moves to across the floor combinations, finishing with a fun combo in center floor. Jazz takes many forms, and is often performed to upbeat, popular music.

Lyrical/Contemporary: (ages K5-18) Lyrical/Contemporary is a fusion of jazz and ballet which uses movement to interpret a song’s lyrics. The class progresses from a center warm-up with emphasis on strength and flexibility, then moves to across the floor combinations, finishing with a combo in center floor. Typically, lyrical is very fluid and quite beautiful!

Hip Hop: (ages K5-18) Also known as street dance, hip hop is an upbeat dance style that has become hugely popular with fun and exciting choreography and engaging music. All music and dance moves are age appropriate. All-boys hip hop class also available.

Acrobatics: (ages K5-18) This class teaches the basics of floor tumbling (such as forward and backward rolls, backbends, cartwheels, etc.) and progresses to advanced tumbling (such as handsprings and aerial work). Teachers work with students on their individual level.

Limitless Friends: This is a movement class for students ages 6 and up with disabilities. Elements of jazz, hip hop, and acrobatics are incorporated in this fun class, along with games and free dance.

Find out more at Dance Without Limits.

You Can Ride a Zip Line and Hillside Slide at the Brand New Gracely Park in Simpsonville, SC

Simpsonville City Park is now the brand-new Gracely Park! The park opened over Thanksgiving break in 2024 and is a wonderful upgrade to the former park. Find out what all we explored and loved, and what is to come in 2025.More: There’s more to do in Simpsonville!Find more parks to explore in our Kidding Aro...

Simpsonville City Park is now the brand-new Gracely Park! The park opened over Thanksgiving break in 2024 and is a wonderful upgrade to the former park. Find out what all we explored and loved, and what is to come in 2025.

More: There’s more to do in Simpsonville!

Find more parks to explore in our Kidding Around® Guide to Parks in the Upstate!

Gracely Park in Simpsonville, SC

The brand-new park currently offers a great shade/sun playground that features woodland themes throughout. You’ll have a blast exploring and finding hidden forest creatures built into the play structures.

After checking out the zip line, which features two tracks (one of which has a seat-style chair), we headed straight to the park’s most popular feature, the hillside slide. But this isn’t just any slide, it is a slide that is made up of rotating cylinder tubes that gently move your kids down the hillside, giving them a little jiggle as they go. My toddler and five-year-old loved it, and there was a consistent stream of kids going down it throughout our visit.

At the park, there are two play structures, one for toddler ages and one for big kids. The structures have some pretty unique features, including an interactive rotating sand toy (hourglass style) in the toddler section that my toddler couldn’t get enough of. The big kid play area had a couple of fantastic additions, including a periscope that works, and a rope bridge that is the perfect balance of challenging for the kid and not too scary for the parents watching.

You’ll also find swings, a hillside made of turf for climbing and sliding, and additional play equipment to explore during your visit.

Though the playground, restrooms, and paved walking path were the only things currently open, there is a lot more to look forward to. There will be additional features of the park opening in December 2024.

The playground has a misting station that will be wonderful for cooling off when summer arrives. There are also basketball courts in construction, several quality picnic shelters to choose from, and large green spaces that will be perfect for relaxing when Spring comes along.

Want to go?

Gracely Park403 E Curtis Street, Simpsonville, SCCan be accessed from East Curtis Street between the South Greenville Summary Court and Simpsonville Fire Department.

Upstate’s Only Walk-Through Holiday Light Display Now Open at Heritage Park: Simpsonville, SC

The Nights of Lights is an amazing walk-through Christmas light display open now at Heritage Park in Simpsonville, SC. We spent a night there and have all the details on how you can enjoy it with your family! Thank you to the Nights of Lights for providing media tickets for this review. Nearly a quarter mile of thousands of lights are shining bright at Nights of Lights in the Upstate’s only walk-through h...

The Nights of Lights is an amazing walk-through Christmas light display open now at Heritage Park in Simpsonville, SC. We spent a night there and have all the details on how you can enjoy it with your family!

Thank you to the Nights of Lights for providing media tickets for this review.

Nearly a quarter mile of thousands of lights are shining bright at Nights of Lights in the Upstate’s only walk-through holiday light display at Heritage Park in Simpsonville, SC. This is the event’s second year and features beautiful light tunnels, a massive igloo, a petting zoo, lots of fun photo ops, ice skating, food, and carnival rides. You can even ride a camel. Ride. A. Camel.

They also have several different discounts and are open nightly through January 3, 2025. Yes, even on Thanksgiving, Christmas Eve, and Christmas Day.

Read on for why you should put this event on your family’s list of to-do’s for the holiday season.

For more things to do over the holidays, see our giant list of 100+ Things to do Over the Christmas Holiday season.

The Nights of Lights: Heritage Park Christmas Lights

When you enter Heritage Park, keep driving all the way past the playground and train depot to the CCNB Amphitheater. There is free parking and that’s where you enter the display.

The path of lights is all paved and goes for nearly a quarter mile. The Heritage Park Christmas lights have over 200 LED light displays throughout the park. You’ll pass through archways of light where you will see Santa, snowmen, and all kinds of happy Christmas creatures decked out in lights.

There is a giant, life-size inflatable igloo, which is just really cute to walk through and that has lights that sparkle and sync to music. There are places that have lights where you and your kids can poke your heads inside and instantly become lighted holiday people. It’s a lot of fun and you can take as long as you want anywhere.

Ice (Roller) Skating

The Nights of Lights has a decent-sized skating rink for those of you who want to test your coordination and balance skills. The rink is not real ice but rather closely connected panels of synthetic material. As to how fast or slow you’ll go on skates, it will really depend upon your skates and ability to not fall!

This year they’ve added the option to have roller skates, which we highly recommend. My kids said the rink is really smooth and easy to skate on. I had to tear them away with promises of cute animals to pet to leave. It was that much fun. You are able to bring your own roller skates if you want.

Skating is $8/person and if you need a little extra assistance in terms of an ice walker, that is $5. The rink is close to the entrance so you can do that first or do it after you walk through the display.

The Petting Zoo at Nights of Lights

Once you walk through the display, you will come to the petting zoo. The petting zoo is run by Eudora Farms, a wildlife safari based in Salley, SC. Our readers may be familiar with them since we’ve written about this farm in the past.

The animals at the Nights of Lights are so cute. They have a big camel, fluffy sheep, goats, alpacas, a super fluffy baby Highlands Scottish Cow, wallabys, and a bull with massive horns. You can purchase feed cups. They looked very happy and well taken care of.

There is also a large enclosure where you can get inside and feed parakeets with a stick of bird seed. These parakeets are so funny. They will land on your arm, hand, shoulder, phone, you name it. My daughters and I loved interacting with the little birds.

Feeding cups range from $3-$6. Pony rides are $10.

Riding a Camel

New for 2024 is Clyde, a huge camel that gives rides. We just had to do this because where can you actually ride a camel in SC? It was my very first time riding a camel and pretty awesome. Clyde is a good camel and will do pretty much anything for treats.

You ride on one of his humps and go around the enclosure a couple of times. It is so neat and quite the unique experience. Definitely a 10/10 first time camel ride!

Camel rides are $10/person and located next to the petting zoo.

The Rides, Bounce Houses, and Santa

Nights of Lights also has several rides you can enjoy during your time there. A Ferris Wheel, carousel, and green dragon spinning thing are located in front of the stage, where the 65-foot tall Christmas tree stands, and next to the petting zoo.

There are also two big bounce houses, including a giant snowman. My youngest daughter did these and loved the obstacle course one the best.

The three of us did the Ferris wheel and it was a blast. I hadn’t been on one of these old-school ones in forever and it felt secure plus you get a great view of all the lights at the top of the wheel. All the rides have to be regularly inspected so you can feel good knowing they are safe and secure.

Each ride, plus the bouncy house, costs 1 ticket. One ticket = $3, or buy in bulk and get 12 tickets = $30.

Santa is also scheduled to be at Nights of Lights on November 23 & 24, November 29-December 1, and December 6-8, 13-15, and 20-22 from 5:30-8:30 pm. Photos are $5 using your own phone or camera.

There are multiple character appearances – think Elsa, Harry Potter, Moana, the Grinch – which you can see the schedule for here.

Food & S’Mores

Nights of Lights offers lots of yummy food options. We got a funnel cake, which was utterly amazing. They also have delicious hot chocolate.

Other food options are elephant ears, friend oreos, nachos, fries, onion rings, and chicken tenders – all the tasty fair foods.

Honest Mom Review

The Nights of Lights was a really fun experience. My kids, ages 12 and 9, and I all really enjoyed it. I’ve covered all the major light displays in our area and I really liked this one specifically for the walk-through aspect. You can take your time and enjoy all of the neat displays, take as many photos as you like, and make those special memories with your family.

I also enjoyed the petting zoo. I love animals and I feel that it’s usually easy to see if they are well taken care of and happy. These animals definitely were. The enclosures were clean and they seemed to be groomed well and happy. And the parakeet experience was so fun. Those little birds are cute and mischievous. The camel ride was amazing!

And, lastly, getting to speak with the management and learn all the behind-the-scenes things they are doing to make it a great experience for families was fantastic. They set out to make a great event for the Christmas season but also create ways for it to be doable for as many families as possible. Everything was clean and accessible as well, which I thought spoke volumes on the effort put into the event.

Tickets, Hours, and Special Promotions

Nights of Lights is open every day from November 22, 2024 – January 3, 2025. Hours are Sunday-Thursday 5-9 pm and Friday-Saturday from 5-10 pm. You have to pay admission to the entire light display, which includes the display, igloo, and access to Santa’s Village, rides, and the petting zoo. Extras are the cups of food in the petting zoo, pony rides, ice skating, photos with Santa, and rides.

Ticket prices are $15/age 16+ and $12/ages 5-15. Kids age 4 and under are free. No pets allowed; service dogs welcome.

Nights of Lights has promotional pricing nightly. Here’s the schedule:

Tickets are only sold at the gate. Nights of Lights is accessible and wheelchair-friendly. You can easily take a stroller. Be sure to follow Nights of Lights on Facebook for up-to-date hours and closure due to weather.

For more holiday light displays, see our big Guide to the Best Holiday Light Displays in the Upstate.

Night of Lights at the CCNB Amphitheatre at Heritage Park861 SE Main Street, SimpsonvilleWebsite | Facebook

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