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 Surrounding Lexington, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Surrounding Lexington'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 Surrounding Lexington, SC 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 Surrounding Lexington, SC 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 Surrounding Lexington, SC Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.
30-Year Loan - This loan is often considered the most secure option to choose. With a 30-year loan, you can lock in a low payment amount and rest easy knowing your rate won't change.
FHA Loan - If you're not able to make a large down payment, an FHA loan could be the right choice for you. With an FHA loan, many of our clients have successfully purchased a home with less than 4% down.
VA Loan - This loan is reserved for military veterans and active-duty men and women. Those who qualify may be able to purchase a home with no down payment and no Private Mortgage Insurance (PMI).
Choosing a home loan is an important step in the home buying process. At Classic Home Mortgage, we are here to make choosing a loan as easy as possible, so you can focus on the joys of being a homeowner. Contact our team of experts today and ask how you can get pre-qualified for your home loan in Surrounding Lexington, 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 Surrounding Lexington, SC - Dan Crance.
Refinancing from a 30-year to a 15-year mortgage might seem counterproductive on the surface because your monthly payment usually goes up. However, interest rates on 15-year mortgages are lower. And when you shave off years of your previous mortgage, you will pay less interest over time. These savings can be very beneficial if you are not taking the mortgage interest deduction on your tax returns.
FHA loans are notorious for paying premiums for the life of the loan. Mortgage insurance premiums for FHA loans can cost borrowers as much as $1,050 a year for every $100k borrowed. The only way to get rid of mortgage insurance premiums is to refinance to a new loan that the Federal Housing Authority does not back.
Sometimes, borrowers with adjustable-rate mortgages refinance so they can switch to a fixed rate, which lets them lock in an interest rate. Doing so is beneficial for some homeowners who like to know exactly how much their monthly payment is each month. Conversely, some homeowners with fixed rates prefer to refinance to an adjustable-rate mortgage. Homeowners often go this route if they plan on selling in a few years and don't mind risking a higher rate if their plans fall through.
Finding the right loan can be a difficult proposition, even if you have been through the process before. This is especially true since mortgage rates and market conditions change frequently. If you're like most of my clients, you probably have questions about interest rates, refinancing options, and a litany of other topics. To help alleviate some of your stress, here are just a few common questions with answers so that you can better educate yourself as we work our way to securing your loan.
Whether you're selling, buying, refinancing, or building the home of your dreams, you have a lot riding on your home loan specialist. When you need a mortgage broker who works tirelessly for you, answers your questions, provides guidance, and does so with a genuine smile, Dan Crance is your mortgage man. Contact Dan today at 843-478-5612 to get pre-approved and discover why Surrounding Lexington, SC loves Classic Home Mortgage.
After hours by appointment only. CONTACT DANWhat is the best internet provider in Lexington?Spectrum is the best internet service provider in Lexington, South Carolina, for most households. Spectrum is the area’s largest cable internet provider, offering the best local availability of ...
Spectrum is the best internet service provider in Lexington, South Carolina, for most households. Spectrum is the area’s largest cable internet provider, offering the best local availability of high-speed internet. Plans range from 500 to 1,000 megabits per second, and are available to nearly 90% of Lexington households. Service includes free modem rental, unlimited data and no contract requirements.
Far less available but equally worth a look are fiber internet providers Comporium and Kinetic. Comporium has better local fiber coverage and speed variety, including a 2,000Mbps plan, the fastest in Lexington, but Kinetic has slightly lower pricing on single-gig service. Both providers offer internet starting at $40 per month, which is the cheapest rate for internet in Lexington.
If fiber internet isn’t an option at your address, and you’re looking for an alternative to Spectrum, fixed wireless internet from T-Mobile Home Internet or Verizon 5G Home Internet may be an option. Verizon potentially offers faster speeds and lower pricing, but T-Mobile has more than twice the coverage in Lexington.
Source: CNET analysis of provider data.
Source: CNET analysis of provider data.
The best internet deals and the top promotions in Lexington depend on what discounts are available during a given time. Most deals are short-lived, but we look frequently for the latest offers.
Lexington internet providers, such as Spectrum, may offer lower introductory pricing or other incentives for a limited time. Many, however, including Kinetic and Comporium, run the same standard pricing year-round.
For a more extensive list of promos, check out our guide on the best internet deals.
Source: CNET analysis of provider data.
Most internet connection plans can now handle basic productivity and communication tasks. If you're looking for an internet plan that can accommodate videoconferencing, streaming video or gaming, you'll have a better experience with a more robust connection. Here's an overview of the recommended minimum download speeds for various applications, according to the FCC. Note that these are only guidelines -- and that internet speed, service and performance vary by connection type, provider and address.
For more information, refer to our guide on how much internet speed you really need.
Internet service providers are numerous and regional. Unlike the latest smartphone, laptop, router or kitchen tool, it’s impractical to personally test every ISP in a given city. So what’s our approach? We start by researching the pricing, availability and speed information, drawing on our own historical ISP data, the provider sites and mapping information from the Federal Communications Commission at FCC.gov.
But it doesn’t end there. We go to the FCC’s website to check our data and ensure we consider every ISP that provides service in an area. We also input local addresses on provider websites to find specific options for residents. We look at sources, including the American Customer Satisfaction Index and J.D. Power, to evaluate how happy customers are with an ISP’s service. ISP plans and prices are subject to frequent changes; all information provided is accurate as of publication.
Once we have this localized information, we ask three main questions:
While the answers to those questions are often layered and complex, the providers that come closest to “yes” on all three are the ones we recommend. When selecting the cheapest internet service, we look for the plans with the lowest monthly fee, though we also factor in things like price increases, equipment fees and contracts. Choosing the fastest internet service is relatively straightforward. We look at advertised upload and download speeds and consider real-world speed data from sources like Ookla and FCC reports. (Disclosure: Ookla is owned by the same parent company as CNET, Ziff Davis.)
To explore our process in more depth, visit our how we test ISPs page.
Spectrum boasts the best availability of high-speed internet plans and has the lowest equipment rental fee ($10, optional) among wired internet providers in Lexington. The cable internet provider is available to nearly 90% of Lexington households, whereas fiber internet, from Comporium or Kinetic, covers only around a third of local addresses.
According to the most recent FCC data, approximately 34% of Lexington residential addresses are serviceable for fiber-optic internet. Serviceability is greatest along W. Main Street, though fiber internet can be found in random neighborhoods throughout the city. Comporium and Kinetic are the main fiber internet providers in Lexington.
Comporium and Kinetic share the lowest starting price for internet in Lexington at $40 per month. You’ll get a good bit more speed with Kinetic compared with Comporium (300Mbps versus 100Mbps).