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 St. Andrews, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - St. Andrews'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 St. Andrews, 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 St. Andrews, 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 St. Andrews, 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 St. Andrews, 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.
Mumbai: The colleges affiliated to Mumbai University have released the first merit list for admissions to the various undergraduate (UG) couses today, 19 June 2023. Candidates who registered themselves for the Mumbai University admission 2023 can check the merit list on the official portal of the colleges they opted for.In this Process St Andrew's College in Mumbai has also released the first Merit List. Below is the link is to check the merit list for the St. Andrew's College of Arts, Science & Commerce....
Mumbai: The colleges affiliated to Mumbai University have released the first merit list for admissions to the various undergraduate (UG) couses today, 19 June 2023. Candidates who registered themselves for the Mumbai University admission 2023 can check the merit list on the official portal of the colleges they opted for.
In this Process St Andrew's College in Mumbai has also released the first Merit List. Below is the link is to check the merit list for the St. Andrew's College of Arts, Science & Commerce.
St. Andrew’s College of Arts, Science and Commerce has released first merit lists for Arts and Commerce courses.
ST. ANDREW'S COLLEGE OF ARTS, SCIENCE & COMMERCE CUT OFF PERCENTAGE FOR FIRST MERIT LIST 2023-24
For Minorities: 76.33%,
For Open: 87.00%
For MINORITY Students: 62.50%
For OPEN STudents:72.40%
For Minorities: 87.00%(COM.), 83.00% (ARTS), 69.00% (SC.)
For Open: 89.67%(COM.) 76.83%(ARTS) 82.20% (SC.)
Check the link here
F.Y.B.A. & F.Y.B.Com. Rs.7003/- (Seven Thousand and three rupees only).
Payment Online Only (Credit Card/Debit Card/ UPI) (Excluding of Onfees.com Charges)
The college states, "Students who do not pay their fees up to 12.30 p.m. on Tuesday, 27 June 2023 and who do not do the process of physical verification of documents will lose their right for admission and will not be admitted thereafter."
Documents required to be submitted at the time of admission
1) Online College Admission Form (Onfees.com).
2) University of Mumbai MKCL online pre-admission form.
3) i) HSC Maharashtra Board students:
4) Proof of Residence (compulsory - Aadhaar Card) / (incase of another address - Electricity bill etc)
5) Proof of Minority (Baptism / Confirmation Certificate) for Christian Students.
6) Learning Disability/Physically Challenged certificate, etc. if applicable.
7) Sports Certificate (International, National, State Level) (Applicable only for Sports Quota Students who have played for Std. XI and Std. XII)
For more details check here: Merit list notice
CHARLESTON, S.C. (WCBD) – Veteran’s Day is being celebrated across the nation and throughout the Charleston Country School District. For the St. Andrew’s School of Math and Science, Veteran’s Day is more than just a lesson to teach in the classroom: it’s a day to honor.That honor can be seen taking over a whole wall inside the school. Vickie Klatt, a 3rd grade teacher at the school, was the leader of the display.With the help of a former classroom parent, a 5th grade class, two-3rd grade...
CHARLESTON, S.C. (WCBD) – Veteran’s Day is being celebrated across the nation and throughout the Charleston Country School District. For the St. Andrew’s School of Math and Science, Veteran’s Day is more than just a lesson to teach in the classroom: it’s a day to honor.
That honor can be seen taking over a whole wall inside the school. Vickie Klatt, a 3rd grade teacher at the school, was the leader of the display.
With the help of a former classroom parent, a 5th grade class, two-3rd grade team members and a 4th grade team member, they were able to fill the hall with red, white, and blue chain links to make up the flag. Each star or chain was adorned with the names of those who served, their branch of military, and what location they served in.
We celebrate so many people in the United States as we celebrate our mothers, we celebrate our fathers, and this is just another celebration to those who gave an oath to protect our country and our freedom not during war times but also during peace times as well.Vickie Klatt, 3rd Grade Teacher
Klatt’s favorite part is the representation of each branch and the pictures. The photos, sent in by students and staff, show both the differences and similarities of heroism throughout the ages. World War I to World War II, the Vietnam War, the Gulf War and all other periods of combat are represented. Klatt said she even had a student submit a headstone of a family member from the Civil War.
Klatt also made sure to involve both students in the classroom and those that were in her virtual courses. For those online and unable to walk through the hallway to see the display, Klatt, along with other teachers, would take pictures of the flag and their contribution to it.
She said her biggest hope was for all to take part in the lesson and even leaving us with a lesson of our own.
If there is one thing that you could do today—reach out to a veteran, and tell them thank you. If you have family member, pick up a phone, make a phone call and tell them thank you for their service and thank you for helping to keep our country safe.Vickie Klatt, 3rd Grade Teacher
Klatt said with the success of the ‘Honor Wall’ this year, she’s hoping that it will become the school’s newest Veteran’s Day tradition.
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MOUNT PLEASANT — Rector Steve Wood looked toward his sanctuary, eyeing the charred roof of the ravaged ministry center that now opened to the heavens.A large early morning blaze at St. Andrew’s Church in the Old Village consumed significant portions of the worship space and offices Sunday.“The Lord promises to bring beauty out of ashes,” Wood said Sunday, surveying the remains of the ministry center, “and we’re taking him at his word.”Wood received a call from a parishioner at 4:...
MOUNT PLEASANT — Rector Steve Wood looked toward his sanctuary, eyeing the charred roof of the ravaged ministry center that now opened to the heavens.
A large early morning blaze at St. Andrew’s Church in the Old Village consumed significant portions of the worship space and offices Sunday.
“The Lord promises to bring beauty out of ashes,” Wood said Sunday, surveying the remains of the ministry center, “and we’re taking him at his word.”
Wood received a call from a parishioner at 4:25 a.m. and hurried over to find the church he leads ablaze.
Authorities who responded to the scene, including the Mount Pleasant Fire Department and the U.S. Bureau of Alcohol, Tobacco, Firearms and Explosives, have not publicly stated a cause for the fire. There were no reported injuries.
Much to the relief of Wood and his congregation, however, Mount Pleasant authorities contained the fire before it could spread to the adjoining historic chapel.
The ministry center, a large contemporary-style worship space, was built right behind it in 1996.
The chapel, a revered structure in the booming town that dates back to 1857, appeared mostly unharmed, although firefighters did have to pump water over it, said Greg Shore, a church spokesman.
With its iconic dark salmon-color paneling, the chapel is situated on Whilden Street and is draped in live oak trees. It was designed by famed architect E.B. White, who also designed the French Huguenot Church in downtown Charleston.
Hundreds of worshipers congregated outside St. Andrews on Sunday morning, many of them arriving for early morning services to find their church in flames and firefighters working to extinguish the blaze. Many covered their mouths with disbelief after seeing the ministry center roof engulfed in fire, then cave in.
Rebecca Ranucci and her family were driving to one of the services when she got word of the fire on social media.
Ranucci, 42, of Mount Pleasant, described reading the news and immediately sobbing.
“Not St. Andrew’s,” she cried. “Not my St. Andrew’s.”
Out of instinct, she recalled, Ranucci looked up at her husband — a firefighter — saying, “Fix this!”
“We were so close (to the church) at that point, we came to see if there was anything we could do,” Ranucci said.
Services were canceled, and parishioners were encouraged to attend the church’s other campuses in downtown Charleston and North Charleston.
“There are a lot of tears. A lot of tears,” Wood said. “You tell yourself that it’s a building, but a lot of people came to faith here. Marriages, baptisms, funerals.”
St. Andrew’s has been especially popular with the town’s many young families. About 2,000 members attend its Mount Pleasant campus, which also runs a preschool.
The preschool will remain closed while church leaders and firefighters assess the damage, the spokesman said, warning that it is substantial.
“It’s never good when you get a call from the rector at 4:30 a.m.,” Shore said.
St. Andrew’s, one of the area’s largest houses of worship, had recently launched a building campaign called Imagine 2040 to address its growth. The church was one of the first in the area to introduce a contemporary worship style and has seen its membership boom since.
Back then, it was associated with The Episcopal Church. However, St. Andrew’s Church split from the national body after ongoing disputes over scriptural interpretations and administrative controls. After, Wood was consecrated in 2012 as the first bishop of the Diocese of the Carolinas within the Anglican Church in North America, although he also still leads St. Andrew’s.
Today, the church’s services range from a more contemplative traditional style to others filled with lively families worshiping with guitars and drums.
Wood remained anxious Sunday morning to get inside the building. A waterfall flowed down the steps outside what had been his office.
As parishioners looked upon what used to be their place of worship Sunday, many wondered aloud about the fate of the large oak cross that towers above the interior of the ministry center.
By late morning, a photo taken by someone who had been inside the building had begun to circulate among members of the church.
There, amid charred remnants of the building and caved-in roof, stood the cross.
IRMO, S.C. (WIS) - A heavily traveled road in Irmo now has a new look thanks to volunteers who recently came out and planted 40 trees and shrubs.Keep the Midlands Beautiful says the aim of the project is to stop people from littering and illegal dumping, which will hopefully stimulate economic growth in the area.“Yeah we are tree huggers and yes they are pretty, but they are good for business but they are actually good for humans,” explained Jake Moore, Irmo Arbor Day Chariman. "When we cut down all the trees a...
IRMO, S.C. (WIS) - A heavily traveled road in Irmo now has a new look thanks to volunteers who recently came out and planted 40 trees and shrubs.
Keep the Midlands Beautiful says the aim of the project is to stop people from littering and illegal dumping, which will hopefully stimulate economic growth in the area.
“Yeah we are tree huggers and yes they are pretty, but they are good for business but they are actually good for humans,” explained Jake Moore, Irmo Arbor Day Chariman. "When we cut down all the trees and we don’t have anything to breathe, a dollar bill is not going to be doing anybody any good.”
The new backdrop to the St. Andrew’s Road corridor includes 40 magnolia trees and 50 kaleidescope abelias. Keep the Midlands Beautiful says it’s to improve the area’s overall appearance.
Jacq Buck is the Executive Director for Keep the Midlands Beautiful.
“We have done the same thing in the Martin Luther King Park in Owens Field in Riverfront," Buck said. "It’s one of those things that have been an absolute passion of mine, to do beautification projects, because it makes a huge difference. If you make an area look good there is less likely to be...illegal dumping and litter.”
The non-profit organization runs primarily off of volunteers and donations. They applied for and received a TD tree day grant of which only 18 were given nationally.
It’s a testament to the success Keep the Midlands Beautiful has had under Buck.
“If there is anybody in this community that deserves community builder, it’s Jacq Buck,” Moore said.
Matt Mungo surprised Buck as our latest Community Builder in partnership with Mungo Homes.
As a Community Builder, Buck gets $1,000 to donate to the charity of her choice.
“Jacq just inspires you to get involved in things,” Jo Counts, a board member of Keep the Midlands Beautiful, said. “Her passion, her drive for making life better...she draws you in and makes you get to work.”
While Buck has inspired many, she is stepping down from Keep the Midlands Beautiful and many people say she will be missed.
“That was one of the main things when I came on board, I wanted to start making it so that our neighborhoods -- whether it be rural or municipalities -- made it look like we care about each other as a neighborhood association, we care about each other as gateways into our communities," Buck said. "I think that has been, I hope, my legacy that I’ll be leaving behind.”
The Michael J. Mungo Foundation is spearheading the Lower Saluda Greenway District Initiative, so they were involved in facilitating site preparation and landscaping where the trees were planted on St. Andrews Road.
Keep the Midlands Beautiful is having its annual fundraising event in November. The 30th anniversary for the Gala for a Greener Midlands is Friday, Nov. 22. For ticket information or to donate a silent auction item, click or tap here.
To nominate a Community Builder, click or tap here.
Copyright 2019 WIS. All rights reserved.
Since 2012, South Carolina Anglicans have been in legal dispute with the Episcopal Church. A mixed State Supreme Court ruling in April 2022 began the conclusion of the last major church property dispute in the North American Anglican realignment.Of the 36 Anglican parishes that were parties in the South Carolina Episcopal Church lawsuit, 28 retained control of their church properties, including the historic St. Michael’s, St. Philip’s and Old St. Andrew’s churches in Charleston. The Anglican Diocese of South Carolina...
Since 2012, South Carolina Anglicans have been in legal dispute with the Episcopal Church. A mixed State Supreme Court ruling in April 2022 began the conclusion of the last major church property dispute in the North American Anglican realignment.
Of the 36 Anglican parishes that were parties in the South Carolina Episcopal Church lawsuit, 28 retained control of their church properties, including the historic St. Michael’s, St. Philip’s and Old St. Andrew’s churches in Charleston. The Anglican Diocese of South Carolina (ADOSC) counts a total of 53 parish and mission churches.
Of the eight ruled by the South Carolina State Supreme Court to lose control of their properties:
The Episcopal Church also filed a Petition for Reconsideration and Rehearing in September, asking the Court to reverse their ruling regarding two Anglican parishes whose property rights were affirmed on August 17: Old St Andrew’s in Charleston (the oldest church building south of Virginia dating to 1706), and the Church of the Holy Cross in Stateburg. Those parishes await court action.
St. John’s Parish Church on Johns Island was the first to turn over property to the Episcopal Church, leaving their historic building and grounds to begin meeting for services at a nearby middle school. An Episcopal Church-affiliated congregation began worship on the historic site July 17.
During his recent visit to Charleston for the Mere Anglicanism conference, Anglican Church in North America (ACNA) Archbishop Foley Beach preached at the invitation of the St. John’s congregation.
The decision of Archbishop Beach – who presumably would be welcome in the pulpit of any of the three dozen Charleston-area ACNA parishes – to preach at St. John’s Parish Church signaled care for and support of those who had lost properties.
“It was an incredible encouragement to have the Archbishop with us. We are humbled he chose to be with us,” St. John’s Rector Jeremy Shelton shared with me in an interview this week. “It’s been six months for us now and it has been an incredible blessing. It is difficult, for sure. But God is faithful and our congregation is growing in size, faithfulness, and unity. The Gospel speaks much louder than anything else.”
Shelton, who became St. John’s Rector at the time of the property handover, explained that the invitation for Beach to preach came about after a parish staff member suggested it. The Archbishop’s office circled back within a month, suggesting the weekend of January 29.
Johns Island is a formerly rural community that has quickly become a Charleston suburb. The fourth largest island on the United States’ East Coast, it now has a population nearing 30,000, a growth rate of 114 percent since 2000. Named for Saint John Parish in Barbados by the first English colonial settlers, there is a long history of Anglican worship on the island, with St. Johns Parish Church founded in 1734.
“Our neighbors are from Minnesota, New York, Maryland, Ohio and Pennsylvania,” Shelton, who hails from Kentucky but has lived in South Carolina for nearly 20 years, tells me of his own residential subdivision on the island. “They are coming from everywhere.”
Asked about what has most surprised the congregation amidst the period following the property handover, Shelton answered that congregational unity has grown.
“We were essentially three different congregations worshiping in one space,” Shelton recounted of the church’s recent history. “We went from three different worship preferences to one, and there was almost no dissension at all. It has been such an incredible blessing.”
The relationship with the middle school began about 15 years ago when parishioners prayed together for the school, then scheduled to close, to remain open, leading parishioners to become more intimately involved. It now has a magnet program and is a School of Excellence.
“In 15 years, going from a school that was scheduled to be closed to being a School of Excellence is nothing short of miraculous,” Shelton says of the school where his oldest son was a student and another son is presently enrolled. “They were arms wide open from the moment I reached out to them.”
Shelton said that of the parish congregation, about 250 persons came to worship at the middle school cafeteria, while about a dozen remained with the building as it transferred to the Episcopal Church.
“We are seeing new people come almost on a weekly basis,” Shelton reported. “We hosted a newcomer’s lunch this past Sunday since we began at the middle school and there were about thirty [new participants].”
The transition has not been without challenges: school fire alarms displaced the congregation in the middle of reciting the creed on Sunday, only to recur two weeks later at the conclusion of a service. Worship in a school cafeteria also means visible chewing gum adhered to the bottom of folding tables that double as pews. But St. John’s has a history of making it work.
“We have people who have been members for 94 years that have left the historic buildings and grounds and are now worshiping in the cafeteria of the school,” Shelton notes. Longtime church members recall these aren’t the first challenges the parish faced: in the 1950s, limited space necessitated Sunday school classes meeting in an attic and a graveyard.
“We’ve always made it work,” an elderly parishioner recounted to Shelton. God, he insists, is faithful: “We’re not just making it work, we’re thriving, due to God’s faithfulness and the resolve of the congregation.”
One challenge has already been overcome: the parish initially utilized garages and living rooms for storage, but now a central home base has been established in Resurrection Hall, which houses offices, storage and a trailer at one central location less than a mile from the school.
“You can do anything for a little while,” Shelton laughs. “What we have seen is that simply being in the community, we are hosting bible studies in people’s homes but also coffee shops, restaurants and parks. People are seeing us out and that is a way of beginning conversations.”
Update: St. Matthew’s Church in Fort Motte has successfully completed a capital campaign to buy back their church building, graveyard and parish hall. More here.
Update [5/25/2023]: The South Carolina Supreme Court has ruled on the last three parish properties in dispute. Church of the Good Shepherd (Charleston) must transfer property to Episcopal Church, while Old St. Andrews (Charleston) and Holy Cross (Stateburg) have had Anglican control of those properties affirmed. More here.