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 Sumter, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Sumter'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 Sumter, 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 Sumter, 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 Sumter, 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 Sumter, 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.
Swans, irises, and a Chocolate Garden? Welcome to Sumter.Sumter, South Carolina has two big landmarks, Sandy Tomlinson—a retired teacher and long-time Sumter resident—says. The first is the town’s 125-year-old opera house with a stately clock tower that informs residents of the time from all four sides. Th...
Swans, irises, and a Chocolate Garden? Welcome to Sumter.
Sumter, South Carolina has two big landmarks, Sandy Tomlinson—a retired teacher and long-time Sumter resident—says. The first is the town’s 125-year-old opera house with a stately clock tower that informs residents of the time from all four sides. The second is the world-famous Swan Lake Iris Gardens.
Swan Lake Iris Gardens is not your typical small-town botanical garden, though it certainly retains all of the charm and friendly feel. In fact, it’s the only public park in the United States where bird-lovers can find all eight species of swan. “It may be the only place in the whole world,” Sandy says, who dedicates her time to the continued beautification of the gardens on the Friends of Swan Lake Board.
The prolific garden spans 150 acres in downtown Sumter and plays host to Bewick’s Swans, Black (Australian) Swans, Black-Necked Swans, Coscoroba Swans, Mute Swans, Trumpeter Swans, Tundra Swans (also known as Whistling Swans), and Whooper Swans, all intentionally brought to South Carolina with the goal of cultivating a haven for swans. The eight species have now inhabited Swan Lake for decades and bring forth dozens of cygnets (baby swans) each spring. It’s not an uncommon sight for a mother swan (female swans are called “pens”) to cart her babies around the lake on her back come April and May.
The park was gifted to the town in 1949 under very specific instructions by two prominent businessmen: No one would ever be charged to visit Swan Lake. If at any time the agreement was broken, the land would return to the families of Hamilton Carr Bland and A.T. Heath, Sr.
Hamilton Carr Bland played another very important role in the garden’s renaissance, though he didn’t quite know it at the time. In fact, we covered his “lovely mistake” in our May 1998 issue of Southern Living.
An avid fisherman, Swan Lake once served as Mr. Bland’s private retreat. He purchased swampland adjacent to West Liberty Street with the hope of turning it into a fishing pond. He built up the banks with clippings and constructed little islands. Mr. Bland had also tried to landscape 30 acres of his home with Japanese iris bulbs—a disastrous failure. When they didn’t bloom, in 1927, the frustrated businessman had his gardener dig up the bulbs and throw them into the swamp.
Come spring, the Japanese irises burst forth from their watery grave, creating an “accidental garden” of purple and yellow hues. Visitors to Swan Lake Iris Gardens can now see over 120 varieties of iris painting the garden with colorful strokes in late spring. The irises are widely celebrated each year at Sumter’s Iris Festival over Memorial Day weekend, which holds the title of South Carolina’s longest-running continuous festival (81 years in 2023).
In addition to a spray of irises, Swan Lake Iris Gardens comes alive with camellias, hydrangeas, lilies, azaleas, daylilies, and Japanese magnolias—a small sampling of the garden’s 172 plant species. For each season, there is beauty to behold, Sandy says. In the winter, the city plants pansies to liven up the half-mile walk around the lake. In addition, the Friends of Swan Lake Board has implemented interactive learning stations throughout the park to help visitors understand the unique flora and fauna.
“Cyprus knees stick up all around the edge of the water,” Sandy says. “When the spring starts, there is light green surrounding the trees. In the fall, those little green leaves turn a beautiful golden color.”
Swan Lake Iris Gardens is a horticultural paradise, and not just for the irises. On your walk around the lake, you’ll find side paths to visit the Butterfly Garden—planted to draw in one of the South’s most valuable pollinators—and the quirky Chocolate Garden.
Established in 2009, the Chocolate Garden is a labor of love from Sumter’s Master Gardeners, who care for the space voluntarily. The gardeners have planted chocolate cherry tomatoes, chocolate mini bell peppers, and chocolate corn, all vegetables with chocolate-colored qualities. Some of the flowers and herbs smell “chocolatey,” as well, like Chocolate Daisy, Chocolate Mint, and Chocolate Cosmos. (The list of chocolate-themed plants continues.) This creative addition to Swan Lake Iris Gardens is even brightened up with “white chocolate, strawberry, and banana-colored selections,” the garden’s website states, to present a jovial banana split illusion.
To welcome guests into the park, the Friends of Swan Lake Board rallied together and raised two million dollars for a splashy new entrance. One million went toward a stunning sculpture from renowned artist and Sumter native Grainger McKoy, who unveiled “Seven Swans” in 2020. The sculpture stands at a dramatic twenty-four feet over a fountain and depicts seven swans coming out of the water, representing the Biblical Creation story.
Enter by the sculpture and wander through Swan Lake Iris Gardens for a botanical experience unlike any other in the South. In addition to the swans, bird lovers can spot herons, egrets, wood ducks, Canada geese, muscovies, and over two dozen other species. “Swan Lake is such a beautiful place to see,” Sandy says. “You can go out to the garden and relax on a bench or walk around. It's so calming. People come from all over to sit, think, and pray.”
Admission is always free—even during the highly anticipated Fantasy of Lights when Swan Lake Iris Gardens gets a million-light holiday makeover.
Swan Lake Iris Gardens is located at 822 West Liberty Street in Sumter, South Carolina and is open from 7:30 a.m. to dusk every day (exceptions during inclement weather and the Iris Festival). The Visitors Center is open Monday-Friday from 8:30 a.m. to 5 p.m.
Latest trendsHigher test positivity rates are a sign that many infections are not reported — even if they are tested for at home. This results in a more severe undercount of cases. The number of hospitalized patients with Covid is a more reliable measure because testing is more consistent in hospitals. Read more about the data....
Higher test positivity rates are a sign that many infections are not reported — even if they are tested for at home. This results in a more severe undercount of cases. The number of hospitalized patients with Covid is a more reliable measure because testing is more consistent in hospitals. Read more about the data.
In data for South Carolina, The Times primarily relies on reports from the state. The state releases new data once a week. It released new data daily until June 12, 2021, and new data all weekdays until March 15, 2022. The state reports cases and deaths based on a person’s permanent or usual residence.
The Times has identified reporting anomalies or methodology changes in the data.
The tallies on this page include probable and confirmed cases and deaths.
Confirmed cases and deaths, which are widely considered to be an undercount of the true toll, are counts of individuals whose coronavirus infections were confirmed by a molecular laboratory test. Probable cases and deaths count individuals who meet criteria for other types of testing, symptoms and exposure, as developed by national and local governments.
Governments often revise data or report a single-day large increase in cases or deaths from unspecified days without historical revisions, which can cause an irregular pattern in the daily reported figures. The Times is excluding these anomalies from seven-day averages when possible. For agencies that do not report data every day, variation in the schedule on which cases or deaths are reported, such as around holidays, can also cause an irregular pattern in averages. The Times uses an adjustment method to vary the number of days included in an average to remove these irregularities.
The town of Mayesville has 550 residents according to the United States Census Bureau. Nearly half of them showed up to the local precinct to vote on Tuesday.SUMTER, S.C. — Nearly half of the town of Mayesville has shown up to vote in their local election today.A total of 256 voters showed up at the polls, a...
The town of Mayesville has 550 residents according to the United States Census Bureau. Nearly half of them showed up to the local precinct to vote on Tuesday.
A total of 256 voters showed up at the polls, along with eight absentee ballot requests and 16 early voting ballots cast, according to the unofficial results.
As of Tuesday night, Chris Brown has been named the unofficial mayor, with unofficial results showing Cynthia Massingill and Jasaad Rahgee Ricks as the town council members.
Throughout the day, Mayesville residents came to the local fire station to cast their ballots.
"Because I want to make sure we put the right people in place in this town," lifetime Mayesville resident Delores Woods says about why she showed up to vote in the local election.
"I'm concerned with all the towns, but this town is my primary voting place and I believe that we should have the right people in office, not just anybody but the person that knows Mayesville and is going to take a account for what they're doing to Mayesville and in Mayesville and for Mayesville."
"Voting is so important," polling clerk Bevlin Collier said. "You get things done in your area, and people expect things to be done, but they don't want to work and get those things, so you need to come out and vote."
Collier tells me she's helping people cast their ballot, along with the other poll workers; she says they have been busy.
"I'm surprised," Collier says. "I've worked over here before and the crowd was not this big so this has been a huge improvement."
Sumter County Director of Election Pat Jefferson says the turnout is exciting.
"I am happy with the turnout today," Jefferson said, smiling. "With it being an off year and it's a municipality election, and I do know a lot of elections are going on in the state of South Carolina, but there's a small re-election, but it's going quite well, and we're grateful for the turnout."
A turnout from residents like Woods, who says the process was easy.
"It was too smooth," Woods said. "It was just simple, 1-2-3, and that was it."
"For one, something for the children to do that's in this town," Woods said regarding what she hopes to see from her elected officials. "They have nothing basically to do, so I would like to see some kind of entertainment come in for the children."
"I would like to see some of these old buildings either get renovated or torn out completely and not just standing," Woods said. "Even though they say there's a lot of historical things in town, I still want to see some changes, new buildings, new plants coming in, anything that's going to improve the environment around here and the economy."
Those election results will be certified on Thursday morning at the Sumter County Voter Registration Office.
SUMTER, S.C. (WIS) - More than 7,200 Sumter residents don’t have a voting city council member.The council seat for the city’s Ward 1 remains unfilled as a legal challenge to voting results from last November play out.Anthony Gibson won the seat in a run-off. If sat, he’ll represent the residents in the northern part of the city....
SUMTER, S.C. (WIS) - More than 7,200 Sumter residents don’t have a voting city council member.
The council seat for the city’s Ward 1 remains unfilled as a legal challenge to voting results from last November play out.
Anthony Gibson won the seat in a run-off. If sat, he’ll represent the residents in the northern part of the city.
Reginald Evans also ran for the seat, coming in 5th place (out of five candidates) and tallying just 62 votes out of 999 cast.
Evans unsuccessfully appealed the results with the Sumter County Board of Voter Registration, Sumter County circuit court, and is currently appealing a dismissal from the S.C. Supreme Court.
As a result of his continued appeals, Gibson has been unable to become a voting member of the council.
State law on local elections prevents an election’s winner from being sat until an appeals process is completed.
The drawn-out challenge has drawn the ire of a group of concerned Sumter residents who call themselves “The Squad”.
“It’s totally unfair, it’s totally unfair. Mr. Gibson did everything he was supposed to do,” squad member Dr. Patty Wilson said.
State law allows for the incumbent to remain in power until the appeal is handled. Ward 1′s incumbent, outgoing Mayor Pro Tem Thomas Lowery, died days before the election.
Gibson declined to comment and attempts to contact Evans were unsuccessful.
Gibson’s campaign manager Jeffrey Lampkin said Gibson is optimistic the case will soon be resolved in his favor.
“It seems undemocratic but it’s the process and we have to allow the process to prevail and that’s one of the things we’re trying to make sure everyone understands. That at the end of the day, he has a due process to be able to allow the court to hear his case, to allow his case to be heard at every level,” he said.
“But at every level, they’re going to make a decision to show that the election was held in integrity, the election was held with all the standards and the rights and the things that were supposed to be done.”
Squad member Dr. Sonja Murphy called on Evans as responsible for fixing “the mess.”
“Mr. Evans if you see this, then you need to go and drop the charges and let your conscience be your guide. Because it wasn’t right to start,” she said.
A spokesperson for the City of Sumter sent WIS a statement reading:
The City of Sumter is awaiting final legal ruling from the state Supreme Court on the challenge of the 2022 election. Until that ruling is received, Councilman-elect Anthony Gibson has been meeting regularly with the constituents in Ward 1 through various neighborhood meetings and personal visits, as well as meeting with various City Staff, Departments, and other elected officials to address issues and/or concerns. He has also been attending City Council meetings and state-level meetings. The only duty Mr. Gibson has not been able to perform is participating in the actual voting process as a sworn-in member of City Council.
The term runs through November 2026.
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SEM Wafertech Inc. and Solar4America Technology Inc., both owned by renewable energy company SPI Energy Co. Ltd., will establish a presence in South Carolina with a $65.9 million investment in Sumter County.The company said today the solar panel manufacturing project will create 300 new jobs, according to a news release from the South Carolina Commerce Department.SEM Wafertech is a solar wafer manufacturer with headquarters in McClellan Park, Calif., near ...
SEM Wafertech Inc. and Solar4America Technology Inc., both owned by renewable energy company SPI Energy Co. Ltd., will establish a presence in South Carolina with a $65.9 million investment in Sumter County.
The company said today the solar panel manufacturing project will create 300 new jobs, according to a news release from the South Carolina Commerce Department.
SEM Wafertech is a solar wafer manufacturer with headquarters in McClellan Park, Calif., near Sacramento.
“As a global renewable energy company making American-made solar wafers and modules, we recognize the importance of having a strong domestic supply chain to meet the fast-growing demand for affordable solar power,” SEM Wafertech Inc. and Solar4America Technology Inc. Chairman Denton Peng said in the new release. “We plan to bring the highest quality domestically produced solar wafers and modules to market, enhancing our nation’s manufacturing capabilities with a long-term investment that will create good paying jobs for South Carolina.”
The new facility will help meet an increasing need for locally sourced solar wafers as the overall demand for solar power continues to grow in the United States, according to the news release. SEM Wafertech is targeting delivery and production of its first solar wafers in the nation by the end of the year, with capacity ramping to three gigawatts by 2024.
“I am personally thrilled to welcome SEM Wafertech and Solar4America to Sumter County, succeeding many exciting investments announced in recent months across South Carolina,” S.C. House speaker Murrell Smith said in the release. “With an investment of more than $65 million and the creation of 300 new jobs, SEM Wafertech and Solar4America will be welcome additions to the region, and to our state’s growing number of globally recognized renewable energy and EV-related companies — continuing to make our state’s economy diverse and prosperous. I welcome them to the Sumter family, where I know we will create an enduring partnership in our community.”
Solar4America is a prime solar module manufacturing company that produces “Made in the USA” solar modules. In combination with its facility in Sacramento, the new South Carolina facility will allow Solar4America to manufacture a wider variety of solar panels for customers, with an aim to increase capacity to 2.4 gigawatts by the end of the year.
SEM Wafertech and Solar4America plan to occupy an existing building located at 1150 Clipper Road in Sumter, where they will design, build out and install a “world-class” silicon wafer slicing facility, the news release said. Silicon wafers produced in the facility will be used in a variety of applications, including photovoltaic cells and semiconductors. Solar panels will serve commercial, residential and industrial energy generation and storage needs.
Operations are expected to begin in the fourth quarter of 2023. Individuals interested in joining the team should visit the company’s website.
“We are thrilled to add another company to our growing family of industrial leaders in Sumter and are enthusiastic about the corporate investment and jobs that will be a result of this project,” Sumter Mayor David Merchant said in the release. “The city of Sumter is also proud to partner with the company to support the needed infrastructure improvements for high quality industrial water and wastewater services.”
The Commerce Department’s Coordinating Council for Economic Development approved job development credits related to this project. The council also awarded a $1.5 million Rural Infrastructure Fund grant to Sumter County to assist with the costs of water and wastewater improvements and building improvements.