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, SC 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 Simpsonville, SC 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, SC 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 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.
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 Simpsonville, SC loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANSIMPSONVILLE — A former gas station in the heart of downtown Simpsonville will soon transform into an entertainment complex called the Community Hub Plaza.The new amenity will feature a restaurant, gastropub and gaming area with duckpin bowling, golf simulators and karaoke. It will also include 16,000 square feet of outdoor space. Simpsonville resident David Berger is spearheading the project through his company Community Hub LLC. He said the project could be "transformative" for the Upstate town's growing city center....
SIMPSONVILLE — A former gas station in the heart of downtown Simpsonville will soon transform into an entertainment complex called the Community Hub Plaza.
The new amenity will feature a restaurant, gastropub and gaming area with duckpin bowling, golf simulators and karaoke. It will also include 16,000 square feet of outdoor space. Simpsonville resident David Berger is spearheading the project through his company Community Hub LLC. He said the project could be "transformative" for the Upstate town's growing city center.
"Where downtown Greenville has been the main character for the last two decades, these submarkets are developing their own identity and own downtowns, which I think is really amazing," Berger said.
The Community Hub Plaza will sit on South Main Street, near the popular local spot Vaughn's Foodhall and next to Slice Pizza, a restaurant owned by family and friends of Berger that recently opened a rooftop space.
Berger said the development has been in the works for three years. He knew the former owners of the gas station well, he said, and they approached him to discuss the site's future as they prepared for retirement.
"They were concerned about the legacy of the property for downtown Simpsonville," he said.
While the gas station that currently stands on the tract will be torn down to make way for the project, Berger said he plans to incorporate the property's history into the coming development as much as possible.
Construction is set to begin on the complex in spring 2025 and last roughly a year.
The project comes as Simpsonville's population continues to soar and the city prepares to begin a sweeping public works and streetscaping project intended to improve traffic and beautify downtown.
City Administrator Dianna Gracely said the redevelopment of the South Main Street property will complement the planned city center overhaul.
"Redevelopment projects like this continue to add to the vibrancy of our downtown," she said. "We have great momentum going into our public improvements and truly appreciate the partnerships we've cultivated."
While the new complex will sit in the heart of Simpsonville, Berger said he expects it to draw people from around the Upstate.