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 Sullivan's Island, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Sullivan's Island'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 Sullivan's Island, 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 Sullivan's Island, 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 Sullivan's Island, 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 Sullivan's Island, 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.
Mount Pleasant is one of South Carolina's top five agglomerations. The town's atmosphere is less focused on tourists and more on the communities, particularly the adjacent beaches at Sullivan's Island and Isle of Palms. The city is considered one of the best locations to live in by various social and economic indicators. Mount Pleasant embraces the Holy City's laid-back low country way of life.Geography And Climate Of Mount Plea...
Mount Pleasant is one of South Carolina's top five agglomerations. The town's atmosphere is less focused on tourists and more on the communities, particularly the adjacent beaches at Sullivan's Island and Isle of Palms. The city is considered one of the best locations to live in by various social and economic indicators. Mount Pleasant embraces the Holy City's laid-back low country way of life.
Mount Pleasant is a big suburban town situated in Charleston County in the US State of South Carolina. The town is well positioned on the east and northeast sides of Charleston Harbor and the tidal Wando River. The distance between the town and Charlotte, North Carolina, is 177 miles south and 4 miles east of Charleston, South Carolina. The town is situated in the Charleston-North Charleston metropolitan region. Mount Pleasant covers a total area of 151.87 sq.km, of which 128.27 sq.km is occupied by land and 23.60 sq.km is covered by water.
The year-round weather of Mount Pleasant is rainy and partially gloomy, with hot, stifling summers and chilly, windy winters. The average yearly temperature ranges between 43°F and 88°F, rarely falling below 30°F or rising above 93°F. The year's hottest month is July, having an average daily high temperature exceeding 83°F. With an average daily maximum temperature below 65°F, January is the year's coldest month. The average annual rainfall is 48 inches, while the average annual snowfall is 0 inches in Mount Pleasant.
The Sewee Indians had previously inhabited Mount Pleasant when the first European settlers under Captain Florentia O'Sullivan left England on July 6, 1680. The 2,340 acres that Captain O'Sullivan received contained both the island bearing his name and the land that would eventually become Mount Pleasant. This region was labeled "North Point" on the earliest maps available at the time. Mount Pleasant was essential in the Revolutionary War's first significant military victory. The area was formally constituted as the town of Mount Pleasant in 1837. After the Civil War, numerous freed slaves moved to the region. Robert Scanlon, one of them, went on to develop and lead Charleston Land Company. As a result of the division of Charleston County in 1882, Mount Pleasant became the first county seat in Berkeley County. After fifteen years, it was decided that Moncks Corner would serve as the county seat, and Mount Pleasant returned to its original boundaries in 1897, once more being under the jurisdiction of Charleston County.
Mount Pleasant has 95,393 residents, making it the fourth most populous city in South Carolina out of 472 communities, despite being considered a suburban town in concept. The population of Mount Pleasant has declined since the most recent census, which showed a population of 90,801 in 2020, and is currently rising at a pace of 2.47% annually. White (non-Hispanic) (89.6%), Black or African American (non-Hispanic) (3.98%), Two+ (non-Hispanic) (1.93%), Asian (non-Hispanic) (1.83%), and White (Hispanic) (1.78%) make up Mount Pleasant's top five ethnic groups. Mount Pleasant has a 5.11% poverty rate and a $138,416 average household income. The median cost of rent is $1,702 per month, and the median value of a home is $472,900. In Mount Pleasant, the median age is 40.9 years, with men being, on average, 38.7 years old and women 42.7 years old.
The service sector and port shipping are the two main economic drivers in Mount Pleasant. Mount Pleasant is becoming a popular location for technology and office-related businesses to locate their operations. Of the nearby cities, Mount Pleasant's average annual job growth from 2010 to 2019 was 5.2%. Great long-term plans are in place for Mount Pleasant. Mount Pleasant was recently ranked among the best 75 American cities to live in by Money Magazine.
One of the country's oldest active plantations, Boone Hall Plantation, dates back at least three centuries to the 1680s. Since 1956, the plantation has been operating as a living history facility and has continuously raised crops for over 320 years. The plantation welcomes visitors for special occasions like the Boone Hall Farms Market and the yearly Lowcountry Strawberry Festival, in addition to guided home tours.
The majority of the town's neighborhoods, including Coleman Boulevard, are traversed by this small creek before it empties into Cooper River. Even though the creek isn't very long, the banks make for one of the ideal locations for some peaceful outdoor activities. You can locate dining establishments and sites along the creek. At the end of it, there is a boardwalk and a covered area where you may relax and go fishing.
The first bridge connecting Sullivan's Island and Mount Pleasant was constructed in 1898. When the Ben Sawyer Bridge, the present access point to the island, was built, the old bridge was closed.
The 2.3-acre Patriots Point Cold War Submarine Memorial is close to Mount Pleasant's Charleston Harbor. A full-sized replica of a Benjamin Franklin Class Fleet Ballistic Missile submarine, which was instrumental in South Carolina's participation in the Cold War in the middle of the 20th century, sits atop the memorial. It preserves pieces of the USS Lewis and Clark SSBN 664 submarines. The memorial also serves as a homage to those who operated submarine ballistic missiles and served in submarines throughout the battle.
This 945-acre nature-focused park was designed with families and groups in mind above everything else. It has a tropical setting with boardwalks and bike trails. You can cook great meals while relaxing here in the picnic area, which features a grill. A water park is another option for you and your friends to cool off during the summer.
In addition to being close to Charleston, Mount Pleasant also exudes a vibrant charm. This wonderful town has a lot to offer, from its historical significance to its scenic beauty. If you're planning a trip, think about visiting Mount Pleasant.
Charleston, South Carolina, has been topping 'the best of lists for years. The historic city has always had a ton to offer, attracting tourists for its southern charm, world-class culinary offerings, antebellum architecture, and lively arts and entertainment scene. Further adding to Charleston's appeal are its beaches.Sitting just a few miles from downtown Charleston is a series of easily accessible small barrier is...
Charleston, South Carolina, has been topping 'the best of lists for years. The historic city has always had a ton to offer, attracting tourists for its southern charm, world-class culinary offerings, antebellum architecture, and lively arts and entertainment scene. Further adding to Charleston's appeal are its beaches.
Sitting just a few miles from downtown Charleston is a series of easily accessible small barrier islands where visitors can enjoy an afternoon at the beach or vice versa. With such close proximity to the city, visitors can choose to base themselves on the beach instead. Each one of the Charleston beaches has its own distinctive vibe and attributes. Here is an overview to help find the perfect fit!
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This popular Charleston beach manages to maintain a balance between upscale and classy, as well as hip yet family-friendly. The island is self-catering with ample accommodation options, an extensive retail district, a diverse range of restaurants, and a full-service grocery store. The beach has lifeguards on duty, and there are dressing rooms, restrooms, and snack bar facilities centrally located at the oceanfront County Park.
There are roughly six miles of beach with over 50 access points, so hitting the sand on Isle of Palms is super convenient. The island's two golf courses, The Links Course and Harbor Course were both designed by a world-renowned golf architect. Visiting the Windjammer is a must. A long-time staple of the island (more than 50 years in business), the Windjammer is an oceanfront sandbar that hosts frequent concerts, beach volleyball tournaments, and more. Oh, and dogs are welcome at the Windjammer too!
This quaint 3.3 square mile island can be summed up by three S's: serenity, slow pace, and simple pleasures. The town has actively worked to preserve its quiet character, and as such, short-term rentals of less than 30 days are prohibited. Nestled between Charleston Harbor and Isle of Palms, it remains close and convenient to explore for the day while staying elsewhere.
One of the oldest-standing forts on the East Coast is located on Sullivan's Island. Fort Moultrie was first constructed as a Revolutionary War defense in the 1700s but was once again put to use during the Civil War. Fort Moultrie is open to the public and remains a top tourist attraction. Fabled author Edgar Allen Poe was stationed at Fort Moultrie during his stint in the army, and Sullivan's Island served as the setting for some of his literary works. Nowadays, the quirky and eclectic Poe's Tavern pays homage to its namesake and is one of the most beloved local eateries.
Sullivan's Island is the perfect spot for those looking to escape the hustle and bustle and simply have a relaxing day at the beach. The wide, flat beach is great for strolling along the shore or riding bikes at low tide, and the prevailing winds are excellent for kiteboarding. Ocean enthusiasts can also fish, kayak, and paddleboard, and land-lovers can enjoy the island's several parks and recreation areas too. The restaurants along Middle Street offer wonderful food and alfresco dining in a fun atmosphere, often with live entertainment.
Affectionately referred to as the 'edge of America', Folly Beach is a funky beach community that has retained much of its charm and unique character. A long-time haven for surfers, College of Charleston students, artists, and salty seafarers, Folly Beach has somewhat of a cult following amongst vacationers too. Folly-devotees return to their beloved beach year after year and rarely venture elsewhere. The island has a relaxed, working-class vibe, and long-time locals foster a palpable sense of community.
Swing by Bert's Market and fill up the cooler before hitting the beach. Bert's is a local institution that adheres to its 'we may doze but we never close' slogan; they are open around the clock and are much more than just a market. Folly Beach is regarded as one of the top surfing destinations in the southeast, and there are two full-service surf shops on Folly. Experienced surfers can head to The Washout section of the beach, or novices can take a surf lesson with one of the several surf schools on the island. Kayaks or stand-up paddleboards are an excellent way to explore Folly's extensive network of marshes and inlets.
The main shopping and dining hub of Folly Beach is Center Street, and it is well worth a stroll. The eclectic shops have lots of local and handcrafted items rather than just tacky souvenirs. Center Street and the surrounding blocks are also packed with dozens of eating and drinking locales for every taste and budget, as well as bars and nightlife. Come as you are - the ambiance everywhere is unpretentious, and flip-flops are always welcome.
Although Kiawah is a huge vacation destination, it wasn't initially included as one of the main Charleston-area beaches simply because many areas of the island and its beaches are private. Kiawah is gated, and visitors can only access certain restricted areas with a guest or owner's pass; not everything is accessible to the public. Nonetheless, Kiawah is worth a mention as it is a popular vacation spot and has its own unique draw.
As one may expect, Kiawah is a luxury vacation destination. The resort accommodations, vacation home rentals, and amenities are world-class, as are Kiawah's dining options. The island's five golf courses are also top-notch, frequently hosting PGA Tour and other top-level events. Kiawah was also named the #1 tennis resort in the world!
While the Charleston area is surrounded by dozens of barrier islands, these beaches are the main hot spots to stay and play. The beaches make a great addition to any Charleston vacation itinerary, but they each have plenty to offer as a stand-alone destination too. Visitors can settle down, relax, and enjoy the slower pace of island time!
SULLIVANS ISLAND, S.C. (WCIV) — Monarch butterflies are now on the endangered species list. One college student is trying to raise awareness about the insect through a class project."I see the monarch butterflies as a tool to understand a bigger system at work here," says Avery McMurtry, "Migration" project creator.McMurtry is a senior at Northeastern University in Boston. She was sent home to Sullivan's Island during COVID. That is when inspiration hit."I started walking the beach paths an...
SULLIVANS ISLAND, S.C. (WCIV) — Monarch butterflies are now on the endangered species list. One college student is trying to raise awareness about the insect through a class project.
"I see the monarch butterflies as a tool to understand a bigger system at work here," says Avery McMurtry, "Migration" project creator.
McMurtry is a senior at Northeastern University in Boston. She was sent home to Sullivan's Island during COVID. That is when inspiration hit.
"I started walking the beach paths and the path through the Maritime Forest and I was very inspired by that landscape and all the little critters and different plant life that would come seasonally."
A class project turned that into a reality.
"I was actually assigned, for one of my design classes, a project to do a site specific installation. I came up with this idea and for a while I just sat on the idea. I was like, oh, this is actually a cool concept. People seem to respond well to it.”
Her project, which includes an enclosure for the insect, has been a year in the making. She has raised and released about 70 monarch butterflies already, and is raising another 40 right now.
"Then they'll be in their chrysalis for a week and you can find them inside here. Then when they hatch, I release them at the end of the day, so they can go out and continue to live in nature and hopefully repopulate the area."
Her ultimate goals are to show people the natural beauty on the Island and get people intrigued.
"I want people to be more supportive of pollinators and of monarch butterflies and I hope that people see the monarchs and find a sense of wonder and a sense of awe in this weird life cycle they have."
She says the best thing people can do to aid pollinators is plant native flowers or milkweed, the only plant monarch caterpillars can feed on.
"Go ask your garden center, they'll tell you what's native. They'll tell you what bees and butterflies like, then plant as much as you can to increase that biodiversity. When you can find local milkweed, definitely buy it because you will see caterpillars and butterflies on your plants. I promise you they'll find it. They will find it."
The enclosure is open until September 3rd, but McMurtry is looking to extend it further since she is still raising so many caterpillars.
You can visit the enclosure for free. It is located along the tree line of the community garden at the Gadsden Battery Cultural Center.
By Brian Sherman for The Island Eye NewsMembers of the Sullivan’s Island Town Council quickly and unanimously agreed that, despite any differences they might have, they should always maintain “the highest standards of civility, honesty and mutual respect” in both spoken and written communication with one another. They were not nearly as quick to ask town employees and those who volunteer their time to sit on various boards to do the same. With little discussion at its regularly scheduled meeting Aug. 16, the Council ...
By Brian Sherman for The Island Eye News
Members of the Sullivan’s Island Town Council quickly and unanimously agreed that, despite any differences they might have, they should always maintain “the highest standards of civility, honesty and mutual respect” in both spoken and written communication with one another. They were not nearly as quick to ask town employees and those who volunteer their time to sit on various boards to do the same. With little discussion at its regularly scheduled meeting Aug. 16, the Council passed a resolution noting that “The elected officials of the Council enact this civility pledge to build a stronger and more prosperous community by advocating for civil engagement, respecting others and their viewpoints and finding solutions for the betterment of the town of Sullivan’s Island.” Mayor Pat O’Neil explained that the resolution emerged from a recent meeting of the Municipal Association of South Carolina, “recognizing what seems to be an epidemic of basically bad behavior in a lot of town governments in a lot of places across the country.” The resolution passed by a 7-0 vote, but a similar resolution aimed at town employees and board members faced tougher sledding. “If somebody is found to have violated this pledge because they had a bad day or something, are they not up for promotion?”
Council Member Greg Hammond asked. “I just don’t want to go into something so quickly that impacts many, many town employees and possibly their livelihood without being a little more clear in terms of if this has teeth or not. I’m not opposed to this, but I’d like to kind of put it out for some public comment and hear what people think about it rather than being, in my opinion, a little hasty.”
Council Member Scott Millimet disagreed, pointing out that the resolution isn’t binding and that it’s simply “a pledge to be civil.” “I’m having trouble understanding where you’re coming from in terms of ‘I really think we need to take a pause and determine whether we want to behave in a civil manner or not,’” Millimet asked Hammond. “It does ask new employees to commit to behaving in a civil manner, and I don’t think anybody should object to that. If so, I’d like to know why.” “We’re not passing a law, rule or anything of the sort,” Council Member Bachman Smith added. “There’s no penalty. In my mind, we are trying to promote a more civil discourse and civil decorum. It would be hard to argue against the idea that at the national level we are seeing something less than civil, and it’s growing increasingly concerning on all sides.”
“I’m happy to lead by example, but the libertarian in me is not in favor of requiring everybody else to take a pledge without having a more thorough discussion over it,” Hammond responded. Council Member Justin Novak suggested that since one of his colleagues had “a significant issue” with the resolution, the Council should consider tabling the resolution, but Hammond insisted on a vote. The resolution passed 5-2, with Hammond and Novak voting no and Gary Visser, Kaye Smith, Millimet, Bachman Smith and O’Neil voting yes.
The resolution pointed out that a national survey found that 93% of Americans think incivility is a problem, while 68% consider it to be a major issue and 74% believe incivility is increasing in the United States. It also stated that “the Town Council recognizes that the town would create an improved, more friendly and efficient workplace if all Town Council members, town employees and town-appointed board members made a commitment to civility by taking the civility pledge.”
We hope you’ve packed your appetite. This month, we’re finishing our Hit the Road series with a flavorful foray into Charleston, SC.Whether you’re interested in taking a walking food tour, putting your cooking skills to the test at a Zero George class, or trying the award-winning steamed oysters at Bowen’s Island, this driving-distance destinatio...
We hope you’ve packed your appetite. This month, we’re finishing our Hit the Road series with a flavorful foray into Charleston, SC.
Whether you’re interested in taking a walking food tour, putting your cooking skills to the test at a Zero George class, or trying the award-winning steamed oysters at Bowen’s Island, this driving-distance destination is every foodie’s dream.
Before you start packing your bags, here’s everything you need to know about the area, along with our insider recommendations.
Hang out and eat around Folly Beach
The “tattooed bohemian” energy that you know and love in Asheville is palpable at this laid-back beach community. If you deign to leave your perch at the beach, consider visiting Chico Feos for tacos, Cuban sandwiches, and a generous selection of craft beer (and while you’re there, see how many Asheville stickers you can spot behind the bar — we saw about 20).
Take a cooking class with Zero George
Gather round this hotel’s professional demo kitchen for an intimate class led by Executive Chef Vinson Petrillo and Sous Chef’s Tyler Chavis. The result? A multi-course meal with wine pairings, plus heaping servings of professional expertise. Book a class.
The Historic Supper Club
This four-course, family-style meal — situated in a lavish French Quarter dining room — offers a rich + historical experience of Charleston’s culinary scene. Make a reservation.
RAW LAB | 99 South Market St.
This three-hour omakase (which translates “to entrust” or “I leave it to you” in Japanese) raw bar dining experience is curated by the world’s first master mermmelier: Chef Kevin Joseph. This 11-course, mind-bending meal of marine cuisine is available by reservation only.
Want an unfussy, heaping pile of oysters, fried shrimp, hushpuppies, and the like? This walk-up, deceptively gourmet sea shack (and the winner of a 2006 James Beard Award) is chock full of character, humility, and life-changing seafood, so long as you’re okay with waiting in line.
Kwei Fei | 1977 Maybank Hwy.
Lamb dumplings, dan dan noodles noodles, and mapo tofu can be yours at this lively, peppery, and exquisitely authentic Sichuan eatery. Pssst, if you’re feeling dare devilish, try your hand at the Sichuan Negroni, made with peppercorn-infused Campari, vermouth, and Beefeater gin.
Sullivan’s Fish Camp | 2019 Middle St., Sullivan’s Island
New to the scene, this chic seaside restaurant is modeled after a 1970s sailboat and offers classic seafood hits like peel-and-eat shrimp + fried seafood baskets — plus sophisticated and higher-end offerings like lobster rolls and tuna tartare with bone marrow.
This playful eatery, housed inside a converted auto shop, knows how to play the hits. Come for the oysters, fried chicken, and shrimp rolls — stay for the soft serve, frozen gin and tonics, and rosé on tap.
A meal at Frannie & The Fox, a wood-fired, Italian-inspired eatery, is reason enough to stay at this boutique hotel. A few other perks: complimentary strong punch cocktails (or house lemonade) upon check-in, Lowcountry curios sprinkled throughout the space, and an impressive collection of 500+ vinyl records.
The Ryder Hotel | 237 Meeting St.
This stylish, boutique hotel — which takes inspiration from the semi-fictional character Japhy Ryder in Jack Kerouac’s “The Dharma Bums” — is centered in the heart of downtown Charleston, which means you’re only a stone’s throw away from two of the Palm City’s most famous restaurants, F.I.G. and Lenoir.
Bonus: If you stay here, you also have an excuse to linger in the sunshine at Little Palm, the hotel’s breezy poolside cafe + cocktail bar.
The Grand Bohemian | 55 Wentworth St.
Come for the funky + eclectic aesthetic (read: crushed velvet headboards and a synthetic turf-covered rooftop bar), stay for the spectacular meals offered at the coastal-inspired Élevé that blends Southern heritage with the finest French culinary techniques.