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Classic Home Mortgage Providing Trustworthy Mortgage Guidance for Over 30 Years

Buying a home is one of the most significant investments that you will ever make. Like most good things, finding the perfect home comes with a lot of work. From your initial search online to your home tour and finally closing, there are many difficult decisions to make along the way. The bottom line is that the entire home buying process can be very stressful, especially when it comes to finding the right mortgage broker and loan for your new home. Since market conditions and mortgage programs change frequently, you have a lot riding on your broker's ability to provide quick and accurate financial advice. Whether you're a first-time homebuyer or own several residential properties, you need a mortgage broker in 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.

Service Areas
Mortgage Broker Sullivan's Island, SC
 Refinance Sullivan's Island, SC

Why Choose Dan Crance As Your Mortgage Lender in Sullivan's Island, SC?

Clients choose my mortgage company because I truly care about helping them navigate the often-confusing landscape of the mortgage process. I am fiercely dedicated to my clients and make every effort to provide them with trustworthy advice and an open line of communication.

In my business, I work for two different customers. On one hand, I have the buyer: the person entrusting me with the responsibility of guiding them through one of the most important decisions ever. Serving homebuyers is not a task that I take lightly. I work with them daily to help them through the process and provide timely updates and news on their mortgage status. On the other hand, I have the realtor: the person who works with my client to find their dream home. Since their commission is in my hands, working with realtors is also a very important task. I update these agents on the status of their customers weekly. Only when I take care of both parties can I say my job as a mortgage loan officer is complete.

As a mortgage broker with more than 30 years of experience, I pledge to give you the highest level of customer service while providing you with the most competitive loan products available. That way, you can buy the home of your dreams without second-guessing your decision.

 Conventional Mortgage Sullivan's Island, SC

Home Financing in Sullivan's Island, SC

At Classic Home Mortgage, our team works diligently to close on time without stress or hassle. Whether you're a seasoned homeowner or are buying your new home in 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.

 FHA Mortgages Sullivan's Island, SC

When you work with Classic Home Mortgage, you can always count on our team to:

  • Put your needs first.
  • Work efficiently and quickly. Many of our home loans close in 30 days or less.
  • Offer you a variety of home loans to choose from, and help you make an informed decision.
  • Provide you with competitive rates that make sense for your budget and lifestyle.

While no two loan terms are the same, a few of the most common loan types include:

30-Year Loan - This loan is often considered the most secure option to choose. With a 30-year loan, you can lock in a low payment amount and rest easy knowing your rate won't change.

FHA Loan - If you're not able to make a large down payment, an FHA loan could be the right choice for you. With an FHA loan, many of our clients have successfully purchased a home with less than 4% down.

VA Loan - This loan is reserved for military veterans and active-duty men and women. Those who qualify may be able to purchase a home with no down payment and no Private Mortgage Insurance (PMI).

Choosing a home loan is an important step in the home buying process. At Classic Home Mortgage, we are here to make choosing a loan as easy as possible, so you can focus on the joys of being a homeowner. Contact our team of experts today and ask how you can get pre-qualified for your home loan in Sullivan's Island, SC.

Refinancing in
Sullivan's Island, 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 Sullivan's Island, SC - Dan Crance.

Here are just a few reasons why more homeowners in the U.S. are taking advantage of lower rates and refinancing their homes:
 Home Ready Mortgages Sullivan's Island, SC
Shorter Term Loan

Shorter Term Loan

Refinancing from a 30-year to a 15-year mortgage might seem counterproductive on the surface because your monthly payment usually goes up. However, interest rates on 15-year mortgages are lower. And when you shave off years of your previous mortgage, you will pay less interest over time. These savings can be very beneficial if you are not taking the mortgage interest deduction on your tax returns.

Do Away with FHA

Do Away with FHA

FHA loans are notorious for paying premiums for the life of the loan. Mortgage insurance premiums for FHA loans can cost borrowers as much as $1,050 a year for every $100k borrowed. The only way to get rid of mortgage insurance premiums is to refinance to a new loan that the Federal Housing Authority does not back.

Switch to Fixed Rate or Adjustable-Rate Home Loan

Switch to Fixed Rate or Adjustable-Rate Home Loan

Sometimes, borrowers with adjustable-rate mortgages refinance so they can switch to a fixed rate, which lets them lock in an interest rate. Doing so is beneficial for some homeowners who like to know exactly how much their monthly payment is each month. Conversely, some homeowners with fixed rates prefer to refinance to an adjustable-rate mortgage. Homeowners often go this route if they plan on selling in a few years and don't mind risking a higher rate if their plans fall through.

 Mortgage Banker Sullivan's Island, SC

Common Questions About Home Loans

Finding the right loan can be a difficult proposition, even if you have been through the process before. This is especially true since mortgage rates and market conditions change frequently. If you're like most of my clients, you probably have questions about interest rates, refinancing options, and a litany of other topics. To help alleviate some of your stress, here are just a few common questions with answers so that you can better educate yourself as we work our way to securing your loan.

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

Trust Dan Crance

Your Mortgage Lender in Sullivan's Island, SC

Whether you're selling, buying, refinancing, or building the home of your dreams, you have a lot riding on your home loan specialist. When you need a mortgage broker who works tirelessly for you, answers your questions, provides guidance, and does so with a genuine smile, Dan Crance is your mortgage man. Contact Dan today at 843-478-5612 to get pre-approved and discover why Sullivan's Island loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

Latest News in Sullivan's Island, SC

Sullivan's Island residents launch campaign to get rid of fractional ownership homes

SULLIVAN'S ISLAND, S.C. (WCIV) — Sullivan's Island banned short-term rentals more than two decades ago, except those that were grandfathered in.Residents are concerned with one company they say is bending the rules.Tim Emrich says the home, located at 3115 Ion Avenue, has fractional ownership and is overseen by Pacaso.Emrich said Sullivan's Island is for families and retirees, not people on vacation, and with three children, they don’t want to live next to a home with many different owners.According to...

SULLIVAN'S ISLAND, S.C. (WCIV) — Sullivan's Island banned short-term rentals more than two decades ago, except those that were grandfathered in.

Residents are concerned with one company they say is bending the rules.

Tim Emrich says the home, located at 3115 Ion Avenue, has fractional ownership and is overseen by Pacaso.

Emrich said Sullivan's Island is for families and retirees, not people on vacation, and with three children, they don’t want to live next to a home with many different owners.

According to him, other residents on Sullivan's Island share his opinion and are not happy about it.

To try and stop it, he and his wife created a campaign to keep Sullivan's Island community oriented.

"We saw an advertisement where you could buy 1/8 of the house. After we dug a little deeper, it became apparent that this was, this is really a scheme to circumvent the rules that have been in place for over 20 years in a small town that limit short-term rentals; they prohibit them unless you were one of the properties prior 20 years ago," Emrich said.

Driving up and down streets on Sullivan's Island, you can't miss the signs that read "Stop timeshares on Sullivan's."

Emrich and his wife passed around the yard signs and have been attending town council meetings to try and stop Pacaso from selling homes on the barrier island.

"Our aim is to first of all raise awareness. We've obviously got over 200 signs out across the island. Any residents you speak to on Sullivan's Island adamantly oppose this game. Every member of the council is opposed to the scheme. And so, really, we're pushing the politicians to do something about it," Emrich said.

Emrich tells us the campaign's primary goal is to get town leaders to enforce the rules that are already on the books and push these types of companies and homes out.

He says communities across the country have successfully fought these types of companies.

"They're assuring us that they are on this. The government does not move this fast, and we would like them to, but they are giving us every assurance that they that they're going to do something about it," Emrich said.

Mayor Patrick O'Neil says residents feel short-term rentals destroy the sense of neighborhood.

He thinks no one wants to live next to a group of people on their first night of vacation.

“After a great deal of research and study, last week we issued a notice of zoning violation to the owners of the property in question here, and we are awaiting a response," Mayor O'Brien said.

Pacaso spokesperson Brian McGuigan stated: "Pacaso is not a timeshare. We help families co-own second homes, which is common practice and can help reduce competition for single-family homes on Sullivan's Island. Research shows that co-ownership contributes more to the local economy than the typical second home while redirecting second home buyers away from median-priced single-family homes in demand by locals and into high-end, luxury homes.”

Pacaso explains they aren’t a timeshare and retain no ownership interest in the home once sold, but they provide property management services.

Pacaso insists they will collaborate with Sullivan's Island leaders on any related public policy questions.

The company believes an ordinance addressing Pacaso’s model could broadly impact many houses.

Coexistence is key to dealing with IOP coyotes, animal control says

Though coyote sightings were significantly down on the Isle of Palms in 2022, this largely has to do with the way sightings are recorded. The coyote dens, particularly in the Wild Dunes area of the island, are still active and coexistence is key when it comes to protecting property and pets, animal control officials said.According to Ryan Warren, an animal control officer for the City of the Isle of Palms, there were 17 reports of coyote sightings in 2020, 107 in 2021 and 31 in 2022. The significant spike in 2021 was mostly due to a c...

Though coyote sightings were significantly down on the Isle of Palms in 2022, this largely has to do with the way sightings are recorded. The coyote dens, particularly in the Wild Dunes area of the island, are still active and coexistence is key when it comes to protecting property and pets, animal control officials said.

According to Ryan Warren, an animal control officer for the City of the Isle of Palms, there were 17 reports of coyote sightings in 2020, 107 in 2021 and 31 in 2022. The significant spike in 2021 was mostly due to a change in record-keeping on animal control’s part. Officers began to note coyote sightings posted on Facebook in 2021, but it quickly became too much for the officers to keep up with.

“It was too much for us. So we reverted to recording whoever calls about coyote sightings or if they see any footprints or scat, it’s recorded,” Warren said.

There was a single report of a coyote attacking a dog in 2022. Most reports come from calls about spotting the animal on the beach or near wooded areas. Though IOP has not recorded any coyote sightings in 2023 so far, South Carolina Department of Natural Resources Biologist Jay Butfiloski said sightings may increase during the winter months.

“It’s not uncommon to see an increase in sightings during this time of the year as it coincides with breeding season, less foliage on some of the trees and shrubs making it a little easier to see farther into the woods in some places,” Butfiloski said.

Warren said that it’s common to see the coyotes in the early hours of the morning and later in the evenings on the beaches and in the dunes, especially near 26th Avenue. The coyotes are typically on the hunt for small rodents and rabbits. During the summer months, coyotes prey on Loggerhead turtle eggs.

Coyotes weigh around 30 to 45 pounds and have the appearance of a small dog. The animals are not native to the state and first appeared in South Carolina in the 1970s in the upstate. Since then, they have made their way to the Lowcountry, and now coyote populations are present in every county in the state. Warren said that coyotes are good swimmers, and will sometimes swim over from Dewees Island. This has created the “hotspot” in Wild Dunes.

The city of Isle of Palms, as well as the towns of Mount Pleasant and Sullivan’s Island, have coyote management plans to address the wild animal populations. “Hazing” is a method of deterring coyotes by making loud noises or throwing objects at the animals to instill fear. This fear of humans is key to coexisting peacefully and safely, as it will make coyotes less likely to attack or approach a human.

Butfiloski said that food is sparse, so coyotes may have to search more for something to eat, resulting in more sightings. It’s best to keep trash and small pets locked up to decrease the chances of a run-in with the animal.

“Keep pets and pet food indoors. If your pets are left outside, put their food or any food bowls away during the night as the residual smells can be an attractant to coyotes. Take down your bird feeders. Coyotes will not only eat the birdseed but also small mammals that visit these feeders,” Butfiloski said.

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Sullivan’s Island celebrates Carolina Day 2022

Residents and island visitors gathered on a clear Saturday at the steps of Town Hall Plaza on Sullivan’s Island to commemorate the 246th anniversary of the Battle of Sullivan’s Island, an annual event hosted by Battery Gadsden Cultural Center.On June 28, 1776, Sgt. William Jasper and others from the Second South Carolina Regiment, which was commanded by Col. William Moultrie, hoisted a regimental flag upon a partially completed palmetto ...

Residents and island visitors gathered on a clear Saturday at the steps of Town Hall Plaza on Sullivan’s Island to commemorate the 246th anniversary of the Battle of Sullivan’s Island, an annual event hosted by Battery Gadsden Cultural Center.

On June 28, 1776, Sgt. William Jasper and others from the Second South Carolina Regiment, which was commanded by Col. William Moultrie, hoisted a regimental flag upon a partially completed palmetto log fort to defend colonial Charleston against a major land and sea assault led by British Admiral Sir Peter Parker and Gen. Henry Clinton.

On Saturday, emcee Chuck Galis welcomed the gathering crowd to a Carolina Day celebration. Sullivan’s Island Mayor Patrick O’Neil read a proclamation to kick off the ceremony. Members of Boy Scout Troop 59, which meets regularly at Stella Maris Church on the island, led a presentation and raising of the bright blue Moultrie Flag, followed by a dramatic musket salute by members of the modern-day Second South Carolina Regiment.

Maggie Adams, regent for St. Sullivan Chapter-NSDAR, recalled the life, death and courageous example of Col. Michael Kovats, a Hungarian cavalryman who trained and led the Continental Army during the British siege of Charleston. In January 1777, Kovats penned a letter to then-American Ambassador in France, Benjamin Franklin, in which he pledged his sword to defend the Continental Army’s cause. He famously closed the letter with the salutation, “Most faithful unto death.” Kovats ultimately gave his life in the American War for Independence on May 11, 1779. (Wikipedia reports, “To this date, Michael de Kovats is celebrated by cadets at The Citadel Military College in Charleston, South Carolina, where part of the campus is named in his honor. The Hungarian Embassy in Washington, D.C., has a statue sculpted by Paul Takacs and executed by Attila Dienes.”)

Mike Walsh, president of the Battery Gadsden Cultural Center, closed the ceremony by conveying the 2022 Cultural Stewardship Award to former Sullivan’s Island resident Wayne Stelljes. The Rev. Dr. Daniel W. Massie offered a benediction.

Rob Byko is a local Realtor and avid photographer. All photos in this story are by Rob Byko Photography and are copyrighted. All rights reserved.

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Town leaders, advocates say cutting of Sullivan’s Island Maritime Forest likely illegal

SULLIVAN’S ISLAND, S.C. (WCBD) – Sullivan’s Island leaders say they’re hiring an attorney to look at ways to overturn a plan that could lead to large portions of the island’s maritime forest being cut down. The vote to hire Attorney William Wilkin came just days after a portion of the forest was potentially illegally cut near Station 26 on the island.Drone footage provided by SI4ALL shows a section roughly the width of a house was cleared. The clearing is raising concerns for residents while town official...

SULLIVAN’S ISLAND, S.C. (WCBD) – Sullivan’s Island leaders say they’re hiring an attorney to look at ways to overturn a plan that could lead to large portions of the island’s maritime forest being cut down. The vote to hire Attorney William Wilkin came just days after a portion of the forest was potentially illegally cut near Station 26 on the island.

Drone footage provided by SI4ALL shows a section roughly the width of a house was cleared. The clearing is raising concerns for residents while town officials say they are investigating to determine if the cutting was illegal.

“We were heartbroken and devastated to see the extent of the cutting,” says Karen Byko, President of SI4ALL.

The clearing has town leaders and residents including Byko scrambling to stop the chop of the island’s accreted forest the say provides protection from storms and flooding while offering a home for native wildlife.

“Concern is that we are devastating the very thing that is protecting us and it provides a home to our wildlife partners,” says Byko.

A majority of the cutting happened behind a house near Station 26 on Atlantic Avenue. Zillow records show the house was listed for sale on February 10th, around the time the cutting was believed to have happened, for $2.9 million. The house was then taken off the market five days later on February 15th after concerns over the cutting were raised at a town council meeting.

News 2 went to the home in front of the cutting to ask the owners if they knew anything about the cutting, a housekeeper was the only person home at the time and declined to answer questions.

The South Carolina Department of Health and Environmental Control says they haven’t received any tree cutting permits from either the Town of Sullivan’s Island or private residents. The agency says they recommended more discussion at the local level late last year before permitting any clearing of vegetation.

Town councilmembers Gary Visser and Scott Millimet called the cutting illegal and disheartening to see.

“The disregard for our community that they are a part of,” says Visser. Millimet called the act “extremely selfish.”

Sullivan’s Island Mayor Pat O’neil says the town is conducting a serious and thorough investigation into the cutting to identify those responsible and hold them accountable. Town officials are hopeful stricter penalties for cutting trees will be adopted by Town Council moving forward.

“If somebody says you’re going to have to wear an orange jumpsuit for 30 days, that might be a bigger deterrent,” says Millimet.

“We hope that they will prosecute to the fullest extent of the law,” says Byko.

The Army Corps of Engineers says they have not been contacted to investigate the cutting. Town officials say they will continue to investigate the incident.

Sullivan’s Island restaurant opens with fresh fish, ’1970s-inspired’ beachside aesthetic

SULLIVAN’S ISLAND — Sullivan’s Seafood Restaurant was an island staple from 1988 until Sept. 6, 2020, when owners Sammy Rhodes and Donna Rhodes Hiott permanently closed the local favorite. Ben and Kate Towill hope their restaurant — which opened in the 2019 Middle St. space May 17 — will honor the building’s past while ushering it into the future.Sullivan’s Fish Camp is now open, serving customers local seafood an...

SULLIVAN’S ISLAND — Sullivan’s Seafood Restaurant was an island staple from 1988 until Sept. 6, 2020, when owners Sammy Rhodes and Donna Rhodes Hiott permanently closed the local favorite. Ben and Kate Towill hope their restaurant — which opened in the 2019 Middle St. space May 17 — will honor the building’s past while ushering it into the future.

Sullivan’s Fish Camp is now open, serving customers local seafood and beach-themed cocktails Tuesday through Sunday.

The Towills are the owners of design and hospitality firm Basic Projects. Kate, head of design for the Charleston-based company, has led the design of residential and commercial properties, including an athletic club and Basic Projects’ two other restaurants: Basic Kitchen and Post House.

Alongside her husband, Basic Projects head of operations Eva Suarez and other members of the team, Kate led the two-year renovation of Sullivan’s Fish Camp, where she set out to create a 1970s-inspired beachside aesthetic. Her goal was to give the space a fresh look with elements honoring Sullivan’s Seafood, like a framed flag and original menu.

A place that feels new and nostalgic all at once.

“That’s been the biggest compliment that we have received is (people saying) ‘Oh it feels like it’s been here forever,’ ” Kate Towill said.

Leading the kitchen as executive chef is Davis Hood, who grew up on Isle of Palms with his brother Nathan, culinary director of Basic Projects. Hood, who recalls walking by the Middle Street building on his way to Sullivan’s Island Elementary School, is focusing on sustainability at the new Sullivan’s Island restaurant.

Local purveyors like Abundant Seafood, Tarvin Seafood, Lowcountry Oyster Co., Vertical Roots and Peculiar Pig Farm dot the Sullivan’s Fish Camp menu.

“It’s not your average fish camp in my eyes,” Hood said. “The whole concept of snout to tail cooking, we’re trying to bring that vibe but with fish. Understanding that the ocean is such an important part of our lives and not trying to have any waste.”

If there is one dish that epitomizes this approach, it’s the Sullivan’s Island Gumbo that features Tarvin Seafood shrimp, clams, okra, lobster broth, dayboat fish and Anson Mills Charleston Gold Rice. The West African style gumbo’s gluten-free base is made using chicken bones, lobster shells, shrimp shells, fennel, celery, palm oil and Bradford Family Farm okra, which replaces a roux as the stew’s thickening agent.

Ben Towill said the gumbo, along with the pan-roasted fish of the day and tempura nori tuna with furikake aioli have been some of the restaurant’s top sellers in its first weeks of service.

“We feel like the menu’s been received really well,” Ben Towill said. “Guests and everyone have felt really comfortable which has been a big bonus.”

Fresh seafood isn’t the only element that gives Sullivan’s Fish Camp that desired beachside feel. Self-described “fruity” cocktails like the tequila-based Sumter’s Watch, rum-based Sullivan Swizzle and the frozen paloma will immediately put patrons on island time.

Sullivan’s Fish Camp is open for dinner from 5-10 p.m. Tuesday through Sunday, and lunch is currently served from 11 a.m.-3 p.m. Saturday-Sunday. The restaurant plans to eventually serve lunch and dinner daily.

For more information, visit sullivansfishcamp.com or call 843-883-2100.

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