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 Titusville, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Titusville'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 Titusville, 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 Titusville, 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 Titusville, 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 Titusville, 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.
SHAW AIR FORCE BASE, SC – Titusville native and U.S. Air Force Maj. Chris Ferguson, Ninth Air Force (Air Forces Central)/A3XC deputy chief of current operations, was presented the Bronze Star for meritorious achievement at Shaw Air Force Base, South Carolina, on Dec. 21, 2021.Ferguson is a graduate of Titusville High School and the Air Force Academy and is the son of John and Carol Ferguson of Brevard County.He received the award for his time as the 16th Expeditionary Special Operations Squadron commander...
SHAW AIR FORCE BASE, SC – Titusville native and U.S. Air Force Maj. Chris Ferguson, Ninth Air Force (Air Forces Central)/A3XC deputy chief of current operations, was presented the Bronze Star for meritorious achievement at Shaw Air Force Base, South Carolina, on Dec. 21, 2021.
Ferguson is a graduate of Titusville High School and the Air Force Academy and is the son of John and Carol Ferguson of Brevard County.
He received the award for his time as the 16th Expeditionary Special Operations Squadron commander while engaged in operations against an opposing armed force in Iraq from Sept. 18, 2019, to Jan. 10, 2020.
Commanding 140 personnel, Ferguson oversaw the execution of 110 combat missions totaling 594 combat hours.
“It’s not every day we present Bronze Stars,” said U.S. Air Force Col. Jeffery Donhauser, 9th AF (AFCENT)/A3 director.
“He didn’t just do his squadron commander duties; he was all over the base improving the security. He went above and beyond.”
As the senior Joint Special Operations Air Component – Central officer on base, Ferguson identified critical force protection shortfalls, acquiring $750,000 for bunkers to protect personnel and $579 million in aircraft and assets.
He also refined the munition storage plan, preserving $30 million in 30-millimeter and 105-millimeter rounds and precision-guided munitions for the AC-130W arsenal.
“It was a humbling deployment,” said Ferguson. “All of it was completely enabled by the squadron that I served for. The problem sets that we had to work required a lot of dedication and flexibility on their part.”
Among all of Ferguson’s accomplishments, one of the most significant was the safe evacuation of over 100 personnel during an emergency retrograde of forces under the imminent threat of ballistic missile attack. Under this same threat, he commanded the alert and launch of three AC-l30Ws to provide armed overwatch and base defense for the remaining forces.
“Normally, the stress happens when you’re in the airplane, that’s when your threat is highest,” said Ferguson.
“That wasn’t the case for us. The team performed exceptionally well under stressors that we don’t normally get to experience in an aircrew sense. It’s worth mentioning that squadron and praising them for the work that they did and continue to do to this day. They performed flawlessly.”
The Bronze Star is awarded to any person who, while serving in any capacity in or with the military of the United States, distinguishes themselves by heroic or meritorious achievement or service while engaged in an action against an enemy of the United States.
“He organized the evacuation of over 100 people while they were under a significant threat,” said Donhauser. “He did wonderful work not only for the U.S. Air Force and the base but also for our country.”
Terrence Daley delivers Old World warmth to your doorstep0:000:56ADSpend a few minutes talking with Terrence Daley, and he comes across as soft spoken and humble.His credentials, however, speak volumes.The Culinary Institute of America graduate has worked in New York, Washington, D.C., Miami and Charleston, South Carolina. He's spent time as a personal chef on yachts and in the homes of South Florida's elite.Now, North Brevard residents can enjoy a taste of his talent in the form of artisan bread ...
Spend a few minutes talking with Terrence Daley, and he comes across as soft spoken and humble.
His credentials, however, speak volumes.
The Culinary Institute of America graduate has worked in New York, Washington, D.C., Miami and Charleston, South Carolina. He's spent time as a personal chef on yachts and in the homes of South Florida's elite.
Now, North Brevard residents can enjoy a taste of his talent in the form of artisan bread and fresh pasta, delivered to their door by The Daley Trade.
When the Charleston restaurant where Daley worked closed because of COVID-19, he and his wife, artist Laura Cannon Daley, decided to relocate to Titusville, her hometown.
Daley, 32, looked for restaurant work, but the jobs that piqued his interest were in Orlando. Between the drive and the hours, he realized he would never see his wife.
Instead of working for someone else, he decided the timing was right to launch his own business and get back to his culinary roots, baking bread and making fresh pasta, a craft he learned from his mother.
He operates The Daley Trade from his home as a cottage industry. Florida law allows allows people to use their unlicensed home kitchens to produce foods that present a low risk of foodborne illness. The products can be sold directly to consumers without need for a food permit from the state.
While the law allows Daley to sell his products through his website, thedaleytrade.com, it does not allow them to be shipped, so three days a week, he makes contact-free deliveries within a 32-mile radius of Titusville.
He sees it as an opportunity to help people create awesome meals in their own kitchens.
"Whether you're making sauce from scratch or opening a jar of sauce, it's going to taste that much better with fresh noodles," he said. "If you have a good base to start with and a decent pantry, you can do anything."
In addition to bread and pasta, he also sells specialty vinegars, and he's adding recipes and how-to videos to his website.
The response in just a few weeks has been overwhelming, Daley said.
The pasta has been popular, but there's a huge demand for his bread.
He bakes big, crusty Old World loaves using a sour dough starter he calls Yeasty Boys.
"Bread baking has been one of the hardest things I've ever done," he said.
He bakes eight loaves a day, three days a week. That's about all his home oven can handle.
"It's not enough to keep up with demand right now," he said.
Daley has heard from coffee shops and other businesses that want to sell his products, but for now, he's reached the limit of what he can make from home.
"It's a very good problem to have," he said.
He's looking for a commissary kitchen or a restaurant kitchen that's not used in the mornings. If he can find the right place, he wants to expand his offerings to include sauces and meal kits, sausages and charcuterie.
Once the pandemic is under control, he'd like to do pop-up dinners at local restaurants.
Until then, though, he's enjoying working from home and delivering still-warm bread to people's doorsteps.
"I've been working in restaurants since I was 16," he said. "It's a lot of work, and I've been doing work for other people. It's refreshing to be able to do something for myself."
This year, he had Christmas off and got to prepare Thanksgiving dinner for his family.
When he and Laura moved back to Titusville, they weren't sure what to expect. What they found was opportunity. Laura works remotely for a printing company and is getting recognized for her artwork.
Meanwhile, when Daley isn't surfing at Playalinda, he's spending time with the Yeasty Boys and rolling out pasta, trying to keep up with demand.
"In a market like this, there's just a lot of potential to get creative and have fun," he said.
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Titusville, you've had a visitor.Hilton, a 1,326-pound great white shark, pinged off the coast of Titusville at 5:45 a.m. March 4 and less than a month later at 8:33 p.m. April 1. (Yes, that was April Fool's Day, but this is no joke.)According to Ocearch, the shark research and advocacy group, after Hilton pinged here April 1, the shark swam around the state and pinged April 13 near Key West. His track shows he swam North, where he pinged April 24 in Pensacola. As of April 27, the great white shark was still in G...
Titusville, you've had a visitor.
Hilton, a 1,326-pound great white shark, pinged off the coast of Titusville at 5:45 a.m. March 4 and less than a month later at 8:33 p.m. April 1. (Yes, that was April Fool's Day, but this is no joke.)
According to Ocearch, the shark research and advocacy group, after Hilton pinged here April 1, the shark swam around the state and pinged April 13 near Key West. His track shows he swam North, where he pinged April 24 in Pensacola. As of April 27, the great white shark was still in Gulf Coast waters.
According to Ocearch's shark tracker on its site, those are the only two times Hilton has pinged in Titusville.
The great white shark, named after the Hilton Head, S.C., community where he was tagged — and not the hotel chain or the hotel heirs — was tagged in March 2017.
In addition to Hilton, Brevard has had other visits from great white sharks.
Miss Costa, named after Ocearch partner Costa Sunglasses, pinged off the coast of Palm Bay and Sebastian on Feb. 11, then again between Titusville and New Smyrna Beach on Feb. 12.
Miss Costa clocks in at 12 feet, 5 inches long, weighing 1,668 pounds. She was tagged in September 2016.
On New Year's Day, the 8-foot, 6-inch long great white shark Savannah pinged south of the Canaveral National Seashore in the Atlantic Ocean. Savannah, named after Savannah, Ga., weighs 460 pounds and, like Hilton the great white shark, was tagged in Hilton Head.
The great white shark who visits Brevard County the most, however, would be Katharine.
This massive beaut measures 14 feet, 2 inches long and weighs 2,300 pounds. She was tagged in August 2013 in Cape Cod, Massachusetts, and named after Cape Cod native songwriter Katharine Lee Bates, according to Ocearch.
A look at her track history shows Katharine pinged the Space Coast almost 60 times in 2014 and 2015. Alas, it's been a while since she pinged in Brevard. She last pinged off the coast of Titusville on May 6, 2017.
To keep up with these great white sharks and their movements, visit ocearch.org.
Sangalang is a digital producer at FLORIDA TODAY.
Contact Sangalang at 321-242-3630
For FLORIDA TODAYA few years ago, Steven Heron made one of those runs to Manhattan that theater lovers do. As part of that venture, he saw a pair of plays, the second of which was “Hamilton,” which he thought unsurprisingly wonderful.The first, however, was one which he also enjoyed: “Something Rotten!,” the musical comedy about the Bottom brothers’ quest for theatrical success as contemporaries of William Shakespeare.“It is so good,” Heron said. “Oh my God, ...
For FLORIDA TODAY
A few years ago, Steven Heron made one of those runs to Manhattan that theater lovers do. As part of that venture, he saw a pair of plays, the second of which was “Hamilton,” which he thought unsurprisingly wonderful.
The first, however, was one which he also enjoyed: “Something Rotten!,” the musical comedy about the Bottom brothers’ quest for theatrical success as contemporaries of William Shakespeare.
“It is so good,” Heron said. “Oh my God, it is great.”
That explains why Heron and company put “Something Rotten!” on its list of shows to be presented this season at Titusville Playhouse, where it will run Feb. 28 through March 22.
It is the first time the play, which won two Tony Awards in 2016, will be presented in the region.
Heron wasn’t the only playgoer to gush over the play, which has a book by John O'Farrell and Karey Kirkpatrick, and music and lyrics by Karey and Wayne Kirkpatrick.
“Something Rotten!”. . . will give you two and a half hours of hearty laughs,” wrote Zachary Stewart of TheaterMania.
Marilyn Stasio of Variety called it a, “shamelessly silly parody of Broadway musicals and outrageous spoof of all things Shakespeare.”
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In the play, Nick and Nigel Bottom struggle to write a play in an era when all such writers work in the shadow of the rock star-like – in attitude and bearing as well as reputation – William Shakespeare. But after Thomas Nostradamus, the British nephew of the famed French prognosticator, informs them that the future of theater includes song and dance, the brothers set out to write the world’s first musical.
Said prognosticator is played by Heron, seen onstage for the first time since last year’s “La Cage aux Folles.” Though he loves the role, he would rather talk about the play, which skewers everything from the clichés of Broadway to religion.
“It is what musical comedy is supposed to be,” Heron said.
So well did Heron like the show that he, production manager Niko Stamos and actor Jordyn Linkous drove to Charleston, S.C., where they were stored, to fetch the costumes worn onstage in New York.
Linkous, now a regular on stages throughout Brevard, will take the role of Nick. Greg Coleman returns to Titusville as Nigel.
In search of the Bard:What did William Shakespeare look like?
Heron, who described himself as “very fortunate” to have found sufficient young-to-middle-aged men to fill the 15 male roles in the show, said he thought of Coleman the day he saw Nigel Bottom in “Something Rotten!” on Broadway.
“I thought of him the first time I saw it in New York,” he said. “I thought. ‘This role would be perfect for Greg, who last (acted) here years ago.’ And (after TPI announced that the show would be produced here) he called to say he wanted to audition.”
Heron also had high praise for his female leads, Marissa Volpe, who is Nick’s wife, Bea; and Kyla Canada, who plays Portia, the ironically-named Puritan (see “The Merchant of Venice” and “Julius Caesar”) with whom Nigel falls in love.
“I’ve never worked with them before, but they are so good,” he said.
Still, the play’s the thing.
“’Something Rotten!” is what musical comedy is supposed to be,” Heron added. ‘I hope people enjoy it as much as we do.”
When: 8 p.m. Fridays, Saturdays and Thursday, March 12; 2 p.m. Saturdays and Sundays Feb. 28 through March 22.
Where: Titusville Playhouse, Emma Parrish Theatre, 301 Julia St., Titusville
Cast: As Nick Bottom, Jordyn Linkous; Nigel Bottom, Greg Coleman; Shakespeare, Chris Duir; Bea, Marissa Volpe; Portia, Kayla Canada; Nostradamus, Steven J. Heron; Brother Jeremiah, Daniel McDonald; Shylock, Brian Chambers; Lord Clapham/Eyepatch Man/Troupe Member/Ensemble, Jack Evans; Troupe Member/Minstrel/Boy Band/Ensemble, Dylan Intriago; Troupe Member/Minstrel/Boy Band/Ensemble, Josh Brown; Troupe Member/Minstrel/Ensemble, Joey Leavitt; Troupe Member/Minstrel/Boy Band/Ensemble, Bryan De Souza; Troupe Member/Boy Band/Ensemble, Trent Williams; Troupe Member/Ensemble, Kristian Rodriguez; Troupe Member/Ensemble, David Knight; Female Ensemble, Bret Sanders; Female Ensemble, Sarah Biggs; Female Ensemble, Corinne Posner; Female Ensemble, Mindy Ward; Female Ensemble, Kayla Elliott; Female Ensemble, Rachel Larchar; Female Ensemble, Jocelyn Evans; Female Ensemble, Emma “Kitty” Howard
Tickets: $27 to $34
On the web: titusvilleplayhouse.com
Whether you're interested in music, theater, festivals or other local entertainment, FLORIDA TODAY has got you covered. Support local journalism by subscribing at cm.floridatoday.com/specialoffer.
At the Class 2A state swimming and diving meet on Friday in Stuart, Caleb Brandon of Titusville placed third in the 200-yard freestyle with a time of 1:40.68, breaking the school record of Oliver Heinricher in 2000.Brandon finished just ahead of Cocoa's Garrett Cone (1:41.22). Elliot Weisel of Rockledge was seventh (1:44.45). It was one of two Terriers records on the day for Brandon.He also tied the school's 50 freestyle record (by Andy Jones from 1997) with a 21.48 opening leg on the 200 relay. Brandon's 58.11-s...
At the Class 2A state swimming and diving meet on Friday in Stuart, Caleb Brandon of Titusville placed third in the 200-yard freestyle with a time of 1:40.68, breaking the school record of Oliver Heinricher in 2000.
Brandon finished just ahead of Cocoa's Garrett Cone (1:41.22). Elliot Weisel of Rockledge was seventh (1:44.45). It was one of two Terriers records on the day for Brandon.
He also tied the school's 50 freestyle record (by Andy Jones from 1997) with a 21.48 opening leg on the 200 relay. Brandon's 58.11-second 100 breaststroke improved on his own school record and earned a fourth-place medal. The Titusville swimmer finished the season with five Terriers records for his career.
For the Cocoa boys, a sixth-place team finish was the best in program history and the best among Brevard teams at the meet. The Tigers scored 107 points, two behind the fifth spot, and Pine Crest won the day with 296.
Cocoa's Cone also had a seventh in the 100 backstroke (52.65 seconds), and Weisel added fifth place in the 500 free (4:41.11). Cone swam on Cocoa's 400 freestyle relay that placed second behind Pine Crest in 3:11.74, along with Roman Quattrocchi, Casey Cole and Freddie Cole.
The same four took seventh in the 200 medley relay, in 1:39.96, and Freddie Cole place seventh in the 100 breaststroke (59.34 seconds).
Dominique Santiago of Space Coast placed third in girls 2A diving with 201.45 points, just in front of Astronaut's Alisa Rendina (371.95).
Rockledge swimmer Xavier Barnes took eighth in the 100 butterfly in 51.37 seconds, and he swam on the 200 freestyle relay team with Weisel, Cade Whitaker and Chase Parman that finished seventh in 1:31.41.
At Saturday's 1A meet, Cocoa Beach diver Canon Fleming placed seventh among the boys with a score of 348.55.
Class 2A girls
Individual Brevard placers: 200 medley relay - 14. Rockledge 1:57.03; 16. Satellite 2:01.79; diving - 3. Dominique Santiago, SC 401.45; 4. Alisa Rendina, A 371.95; 9. Jonna Kirk, A 336.80; 14. Taylor Rendina, A 304.55; 100 fly - 12. Saundra Hecky, SC 59.42; 200 free relay - 14. Rockledge 1:44.94; 16. Titusville 1:45.31; 100 breast - 16. Sarah Gonzalez, R 1:10.60.
Team scores: 1. Pine Crest 448; 21. Astronaut 27; 24. Space Coast 21; 31. Rockledge 13; T39. Satellite, Titusville 2.
Class 2A boys
Individual Brevard placers: 200 medley relay - 7. Cocoa (Garrett Cone, Freddie Cole, Roman Quattrocchi, Casey Cole) 1:39.96; 200 free - 3. Caleb Brandon, T 1:40.68; 4. Cone, C 1:41.22; 7. Elliot Weisel, R 1:44.45; 200 IM - 12. Alexander Pike, PB 2:01.25; diving - 12. Timothy Recicar, T 286.95; 14. Malachi Jones, T 279.10; 100 fly - 8. Xavier Barnes, R 51.37; 16. F. Cole, C 54.42; 100 free - 9. Quattrocchi, C 48.24; 16. Rylan Andrews, S 49.70; 500 free - 5. Weisel, R 4:41.11; 200 free relay - 7. Rockledge (Barnes, Weisel, Cade Whitaker, Chase Parman) 1:31.41; 11. Titusville 1:32.14; 100 back - 7. Cone, C 52.65; 13. Barnes, R 53.65; 100 breast - 4. Brandon, T 58.11; 7. F. Cole, C 59.34; 9. Pike, PB 59.48; 400 free relay - 2. Cocoa 3:11.74; 11. Rockledge 3:20.39.
Team scores: 1. Pine Crest 296; 6. Cocoa 107; 12. Rockledge 77; 16. Titusville 51; 27. Palm Bay 21; 46. Satellite 2.
Class 1A girls
Individual Brevard placers: 200 medley relay - 13. West Shore 1:58.17; diving - 11. Lillian Altmann, WS 348.55; 200 free relay - 14. West Shore 1:44.70; 100 breast - 13. Marissa Spies, HT 1:07.14.
Class 1A boys
Individual Brevard placers: 200 medley relay - 12. West Shore 1:42.18; diving - 7. Canon Fleming, CB 348.55; 9. Jordan Tibbetts, CB 294.30; 10. Parker Hathaway, CB 287.60; 200 free relay - 13. West Shore 1:31.30.