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 Spartanburg, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Spartanburg'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 Spartanburg, 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.
Ask Dan Anything843-478-5612At 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 Spartanburg, 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 Spartanburg, 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 Spartanburg, 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 Spartanburg, 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 Spartanburg loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANSPARTANBURG, S.C. —Voters in both North Carolina and South Carolina will have an addition to the ballot centered on a change in wording in each state's constitution that would more finely define who has the right to vote.In South Carolina, it is a change of one word, from "every" to "only a."Here's how the constitutional amendment question on the South Carolina ballot for th...
SPARTANBURG, S.C. —
Voters in both North Carolina and South Carolina will have an addition to the ballot centered on a change in wording in each state's constitution that would more finely define who has the right to vote.
In South Carolina, it is a change of one word, from "every" to "only a."
Here's how the constitutional amendment question on the South Carolina ballot for the November 5, 2024 General Election reads:
"Must Section 4, Article II of the Constitution of this State, relating to voter qualifications, be amended so as to provide that only a citizen of the United States and of this State of the age of eighteen and upwards who is properly registered is entitled to vote as provided by law?"
The current language says, "... amended so as to provide that every citizen of the United States..."
State Sen. Josh Kimbrell of Spartanburg was the primary sponsor of the measure, which passed the state senate on a bipartisan vote of 40-3 and passed the state house on a unanimous vote.
Now, as voters are heading to the polls early, he wants to make sure that the citizens of South Carolina are as enthusiastic as their state lawmakers about the so-called "Citizen Only Voting Amendment."
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Kimbrell tells WYFF News 4, "It doesn't make it harder for a legal voter in the state to vote, but it does make clear in South Carolina we will not open ourselves up to lawsuits by groups that are pushing non-citizens to vote in elections anywhere in the state."
He says the need for the change was born from several municipalities in other states granting non-citizens the right to vote in local elections.
"We have had multiple court challenges across the United States in multiple jurisdictions where some courts have upheld municipal governments or school boards extending the right to vote to those who are not legally in this country, " Kimbrell said. "We want to remove any ambiguity in South Carolina."
Paul Jacob is the Chairman of Americans For Citizen Voting, based in Washington, D.C. and tells News 4,"this year eight states have it on the ballot in some very competitive swing states like Wisconsin. We are confident that we will win in these states , but happy that the people are getting to decide this issue."
He joined Kimbrell for an October 23 news conference outside the Spartanburg County Courthouse to help give a picture of what his group is seeing nationally.
According to the group "foreign citizen voting is legal in California, Illinois, Maryland, Vermont, and Washington, DC. New York City’s city council voted to legalize foreign citizen voting in 2021. The law that would enfranchise 900,000 foreign citizens is making its way through the court system."
Americans for Citizen Voting’s Briefing Book contains a list of the nineteen cities where they say non-citizen voting is now happening.
Jacob says this is not about immigration, "America as a country of immigrants we have stronger because of that we are proud of that we welcome immigrants," but he says the objective is to help immigrants become citizens and then vote legally.
If voters approve it, the amendment will return to the South Carolina legislature for a "one last vote" in January, only requiring a simple majority to pass.
South Carolina and North Carolina are two of eight states with "Citizen Only Voting" amendments on this November ballot.
Are you searching for things to do in Spartanburg, SC? You have definitely found the right article. We have all the info on every park in Spartanburg, a huge list of free things to do, lots and lots of things to do outdoors, special things to do for the holidays and every season, and lots more. No matter what you’re looking for, you’ll find something fabulous to do in Spartanburg, SC on this list.What’s happening this month in Spartanburg? Find out in this list of ...
Are you searching for things to do in Spartanburg, SC? You have definitely found the right article. We have all the info on every park in Spartanburg, a huge list of free things to do, lots and lots of things to do outdoors, special things to do for the holidays and every season, and lots more. No matter what you’re looking for, you’ll find something fabulous to do in Spartanburg, SC on this list.
What’s happening this month in Spartanburg? Find out in this list of events happening this month in Spartanburg, SC!
Explore Where You Live!Kidding Around’s Content by Location
We have some lists for some of the most popular things to do in Spartanburg with the family, kids, and even a list just for things to do with babies.
If you are looking for outdoor fun in Spartanburg, SC, you’ll want to start with our Things to Do Outside in Spartanburg list. Then check out our HUGE Park Guide for Parks in Spartanburg and Greenville Counties. Then check out some of our favorite outdoor things to do below!
Heading to Downtown Spartanburg? There is so much to keep you busy with the family in Downtown Spartanburg. Check out our Weekend Itinerary for Spartanburg, especially if you are visiting town for a short time. Then see some of our favorite things in Downtown Spartanburg below!
On budget? There are so many things you can do for FREE in Spartanburg!
Here’s our giant list of things to do indoors in the Upstate! You can search for things to do in Spartanburg County by category and desired activity.
If you’re looking for a place to eat in Spartanburg, SC, look no further than this list of Restaurants in Spartanburg, SC.
Winter: Winter Guide to SpartanburgSpring: Spring Guide to SpartanburgSummer: Summer Guide to Spartanburg Fall: Fall Festivals in Spartanburg
Holidays: Holiday Guide to Spartanburg, SC
SPARTANBURG, S.C. (FOX Carolina) - After millions of people across the Southeast lost power during Helene, Upstate officials are looking for ways to mitigate future concerns by burying power lines.“Can we bury these power lines underground? Absolutely, we can do it,” Spartanburg Co. District 3 councilman David Britt said.Britt is advocating for a more resilient power grid. He says the biggest barrier is cost.“If we can put a man on the moon in the sixties, there is no way we can’t figure out a way...
SPARTANBURG, S.C. (FOX Carolina) - After millions of people across the Southeast lost power during Helene, Upstate officials are looking for ways to mitigate future concerns by burying power lines.
“Can we bury these power lines underground? Absolutely, we can do it,” Spartanburg Co. District 3 councilman David Britt said.
Britt is advocating for a more resilient power grid. He says the biggest barrier is cost.
“If we can put a man on the moon in the sixties, there is no way we can’t figure out a way, an economical way, to do it,” he added.
Britt has been in touch with Duke Energy and Laurens Electric Cooperative and said they understand the gravity of the situation. Duke Energy told him they brought in 7,000 lines workers after Helene- more than 10 times the number during normal operations.
“What was the cost of bringing 7,000 people in, housing them and getting them food and water and all that they have to go through?” he asked.
Spartanburg Mayor Jerome Rice said the line workers have been taking notes. “They can tell you, ‘it would benefit this neighborhood; it would benefit that neighborhood as well,’ so they see it first hand.”
Rice also said Duke Energy has identified several neighborhoods to bury power lines in the city, including Hampton Heights, Converse Heights and Converse Street.
“You know there’s a big cost to do it; but hopefully not only the three that I named, but throughout the community, throughout the city, and the county- we can do it, as well, at some point,” Rice added.
Other communities interested in more resilient infrastructure include the Highland neighborhood, where LaSheba has called home for the last 25 years.
“As you can see in the background, we ended up with a lot of trees down around our homes and in our streets,” she said while pointing to debris behind her.
Downed trees continue to leave dangling power lines in the middle of the street.
“Having the power lines put underground would be worth investing in. I can guarantee it would be worth investing in. It works better, and I think it’s a lot more safer,” she explained.
“It’s not, ‘Can we afford it?’ We cannot not afford to do it. I mean, it’s absolutely necessary,” Britt agreed.
Britt said he hopes to form a task force with local, state and federal officials to address power grid needs.
Copyright 2024 WHNS. All rights reserved.
What is the best internet provider in Spartanburg?Spectrum is the best internet service provider in the small South Carolina town of Spartanburg. Aside from its wide availability, Spectrum has no fees or contracts and offers low-income home broadband pricing for those who qualify. The internet service provider recently announced speed increases and price changes for its ...
Spectrum is the best internet service provider in the small South Carolina town of Spartanburg. Aside from its wide availability, Spectrum has no fees or contracts and offers low-income home broadband pricing for those who qualify. The internet service provider recently announced speed increases and price changes for its plans. Customers can now get 500 megabits per second for $50 or 1,000Mbps for $70 a month, a competitive price. AT&T Fiber and T-Mobile Home Internet are also available in Spartanburg, if Spectrum isn’t available at your address.
To simplify your shopping, we've compiled Spartanburg's top picks for speed and affordability. AT&T Fiber offers the fastest plan, costing $245 monthly for symmetrical speeds up to 5,000Mbps. T-Mobile offers convenient no-strings-attached plans that can get as low as $35 per month when you bundle with your cellphone plan. Whether you're looking for the fastest internet provider or symmetrical upload speeds, these are the plans worth signing on to in Spartanburg.
Source: CNET analysis of provider data.
Source: CNET analysis of provider data.
The best internet deals and top promotions in Spartanburg depend on what discounts are available during that period. Most deals are short-lived, but we look frequently for the latest offers.
Spartanburg internet providers, such as Spectrum, may offer lower introductory pricing or streaming add-ons for a limited time. Others, however, such as AT&T and Verizon, run the same standard pricing year-round.
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Answer 3 easy questions to discover our recommended speed for your household.
For a more extensive list of promos, check out our guide on the best internet deals.
Source: CNET analysis of provider data.
Most internet connection plans can now handle basic productivity and communication tasks. If you're looking for an internet plan that can accommodate videoconferencing, streaming video or gaming, you'll have a better experience with a more robust connection. Here's an overview of the recommended minimum download speeds for various applications, according to the FCC. Note that these are only guidelines -- and that internet speed, service and performance vary by connection type, provider and address.
For more information, refer to our guide on how much internet speed you really need.
Internet service providers are numerous and regional. Unlike the latest smartphone, laptop, router or kitchen tool, it’s impractical to personally test every ISP in a given city. So what’s our approach? We start by researching the pricing, availability and speed information, drawing on our own historical ISP data, the provider sites and mapping information from FCC.gov.
But it doesn’t end there. We use the FCC’s website to check our data and ensure we consider every ISP that provides service in an area. We also input local addresses on provider websites to find specific options for residents. We look at sources, including the American Customer Satisfaction Index and J.D. Power, to evaluate how happy customers are with an ISP’s service. ISP plans and prices are subject to frequent changes; all information provided is accurate as of publication.
Once we have this localized information, we ask three main questions:
While the answers to those questions are often layered and complex, the providers who come closest to “yes” on all three are the ones we recommend. When selecting the cheapest internet service, we look for the plans with the lowest monthly fee, though we also factor in things like price increases, equipment fees and contracts. Choosing the fastest internet service is relatively straightforward. We look at advertised upload and download speeds and also consider real-world speed data from sources like Ookla (Ookla is owned by the same parent company as CNET, Ziff Davis) and FCC reports.
To explore our process in more depth, visit our how we test ISPs page.
The Spartanburg VA Clinic is facing significant challenges in the wake of Hurricane Helene, which caused severe water damage, rendering the facility unusable.Despite these setbacks, the Columbia VA Health Care System remains committed to ensuring the continuity of care for Veterans, employing creative solutions like the deployment of mobile medical units known as C-Forts.Roger Depra, Chief of Community-Based Outpatient Care, explained that the hurricane had made the Spartanburg clinic unsafe for patient care. However, the arriv...
The Spartanburg VA Clinic is facing significant challenges in the wake of Hurricane Helene, which caused severe water damage, rendering the facility unusable.
Despite these setbacks, the Columbia VA Health Care System remains committed to ensuring the continuity of care for Veterans, employing creative solutions like the deployment of mobile medical units known as C-Forts.
Roger Depra, Chief of Community-Based Outpatient Care, explained that the hurricane had made the Spartanburg clinic unsafe for patient care. However, the arrival of the mobile medical unit has allowed care to resume at a limited capacity.
“Having the mobile medical unit is going to allow us to resume patient care, although in a limited capacity,” Depra said. “We’ll still have a clinician on-site along with a nurse to do face-to-face visits, in addition to the video visits we’ve been doing to continue care for Spartanburg.”
While the mobile medical unit may not fully restore all the services that the Spartanburg clinic typically provides, they are equipped to handle many key functions, including routine follow-up care, joint injections, and battlefield acupuncture. Veterans no longer need to drive to Greenville for these treatments, which is a welcome relief to many.
“We’ve been able to do virtual care for mental health and primary care, but it’s great to be able to bring joint injections and acupuncture back to Spartanburg,” Depra added. “For acute walk-in visits, we’ll also be able to handle those here.”
Despite the limitations, the staff has adapted well to the new circumstances. Services like mental health care, which naturally lend themselves to virtual care, have continued uninterrupted, and face-to-face visits for new patients have been conducted at other locations like Greenville.
“Although we’re not able to offer all services, we’ve worked hard to minimize the inconvenience to Veterans,” Depra explained. “We’ve been coordinating lab work at other locations, including Greenville, Anderson, or even the Columbia VA Medical Center.”
In addition to medical care, the team has been providing essential support to Veterans affected by the storm. The Vet Service Van has been a consistent presence, offering Veterans a place to charge phones, cool off, and access important community information, such as which stores and gas stations are open.
“We’ve been here for the Veterans even when the clinic itself hasn’t been available. Whether it’s helping them charge their phones, giving them water, or simply letting them know how their care will proceed, we’ve made sure to provide information and support in any way we can,” said Jacqueline Davis, Nurse Manager for Spartanburg.
Despite the physical displacement and disruption caused by the hurricane, the staff at the Spartanburg clinic has maintained a positive attitude. Davis noted that the team has stayed upbeat, even in the face of significant challenges.
“It’s been tough being displaced, but we’ve had a great attitude. We’re making lemonade out of lemons,” Davis said. “We’re screening Veterans as they come through, coordinating paperwork, managing injections, and funneling people to where they need to go. The team has really come together.”
Aaron Gaetel, Emergency Management Specialist with the VHA Office of Emergency Management (OEM), described the mobile medical unit as highly versatile. These 20-foot sea container platforms are designed to provide critical care capabilities in emergency situations like this one.
“The units are equipped with three exam rooms, a nurse’s station, sinks with potable water, and generation capabilities, which can also be hooked up to shore power,” Gaetel explained. “Theoretically, they can remain operational indefinitely as long as there’s a power source and they’re maintained.”
These units can be set up in just a few hours, and although the Spartanburg clinic is expected to remain under repair for some time, the mobile medical unit will provide a temporary solution that can meet many of the Veterans' immediate needs.
The timeline for the Spartanburg VA Clinic’s repairs remains uncertain. Local contractors are handling the building repairs, and the building owner is still navigating insurance claims. “We expect to be using the medical unit through at least the end of November,” Depra speculated.
Despite the uncertainty, Depra and the rest of the Spartanburg team remain committed to providing care. “The staff has done an amazing job of being flexible and continuing to provide care for Veterans, whether in person, virtually, or by coordinating essential services like lab work,” Depra emphasized.
The community and Veterans can rest assured that the staff at the Spartanburg VA Clinic is doing everything possible to minimize the impact of the storm on patient care.
With the clinic's reopening still on the horizon, the team remains focused on keeping Veterans informed and ensuring that their health care needs are met. The Acting Medical Center Director, Oscar G. Rodriguez, expressed his appreciation for the staff's resilience and flexibility during this challenging time.
“We are incredibly proud of our team’s resilience and dedication in the face of the challenges caused by Hurricane Helene. Their ability to adapt quickly and continue providing exceptional care for our Veterans, even in temporary facilities, speaks volumes about their commitment. While the situation is far from ideal, our focus remains on ensuring that every Veteran continues to receive the care they deserve. We appreciate the patience of the Spartanburg community as we work through these repairs, and we are committed to keeping everyone informed as we move forward,” said Rodriguez.
For more information about what’s going on at the Veterans medical center, clinic locations and other services available to Veterans in and around Columbia, visit the website https://www.va.gov/columbia-south-carolina-health-care/and follow us on Facebook, Twitter and Instagram, keyword: VAColumbiaSC.
About the Columbia VAHCS:
The Columbia VAHCS comprises the Wm. Jennings Bryan Dorn VA Medical Center and seven community-based outpatient clinics located throughout South Carolina in Anderson, Florence, Greenville, Orangeburg, Rock Hill, Spartanburg, and Sumter; serving more than 90,000 veterans annually in 36 of 46 counties in South Carolina. The Columbia VA is a level 1b teaching hospital, providing a full range of patient care services, with state-of-the-art technology, education, and research. Comprehensive health care is provided through primary care, tertiary care and long-term care in areas of medicine, surgery, psychiatry, physical medicine, and rehabilitation.