With 30 years in the industry

Mortgage Broker in Valley Falls, SC

Ask Dan Anything843-478-5612

Book an Appointment

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 Valley Falls, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.

My name is Dan Crance - Valley Falls'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 Valley Falls, 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 Valley Falls, SC
 Refinance Valley Falls, SC

Why Choose Dan Crance As Your Mortgage Lender in Valley Falls, 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.

Ask Dan Anything843-478-5612
 Conventional Mortgage Valley Falls, SC

Home Financing in Valley Falls, 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 Valley Falls, 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 Valley Falls, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.

 FHA Mortgages Valley Falls, 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.
Ask Dan Anything843-478-5612

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 Valley Falls, SC.

Refinancing in
Valley Falls, 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 Valley Falls, 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 Valley Falls, 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 Valley Falls, 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 Valley Falls, 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 Valley Falls 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 Valley Falls, SC

Trust Dan Crance

Your Mortgage Lender in Valley Falls, 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 Valley Falls loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

Latest News in Valley Falls, SC

Postgame takeaways: Clemson can’t contain LaNorris Sellers, falls to South Carolina in crucial rivalry

Staff analysis, game picks for Clemson football’s first-round matchup in CFP at TexasCan the Tigers pull off the upset?15 hrsVIPCan Cade Klubnik return to his hometown and be a hero?As I've documented since Clemson and Texas...

Staff analysis, game picks for Clemson football’s first-round matchup in CFP at Texas

Can the Tigers pull off the upset?

15 hrsVIP

Can Cade Klubnik return to his hometown and be a hero?

As I've documented since Clemson and Texas were matched up in the first round of the College Football Playoff, it seems unlikely that the Tigers are going to be able to generate success on the ground with an unhealthy Phil Mafah and Jay Haynes on the sideline with a torn ACL.

If the Longhorns weren't so steady on the back end, I would tell you that Clemson has a great chance against a team, and program, that has been underwhelming on the big stage since Colt McCoy went out in the first quarter of the BCS title game against Alabama in Pasadena.

But that secondary is so good, and they're even better at containing big plays, something that Klubnik and the Tigers' offense has been so reliant on this season. Without a reliable, consistent rushing attack, and likely problems hitting many chunk plays, Klubnik will have to play the best game of his career. And he'll need to do it while also playing somewhat conservatively.

Clemson hasn't been very good at getting the 4-5 yards each play that the Longhorns' defense wants you to take. Because of that, Dabo Swinney's team has struggled to put together the closing drives against both South Carolina and SMU. There's been too much dependence on the big play for this offensive unit recently. With a healthy Phil Mafah, it wasn't as much of a problem. That's why you saw the gaudy numbers you did — doesn't matter who the opponents were, Klubnik and Garrett Riley were on a record pace until the run game seemingly vanished.

To read this full article and more, subscribe now —

SALE: 50% off first year

Get access to this article and all of the in-depth coverage from the 247Sports Network with this special offer.

50% off first year

Already a subscriber? Login

Clemson falls short again in Death Valley

CLEMSON -- There was a time when Clemson won big games because it had Deshaun Watson and the other team didn't.The Tigers had a good quarterback Saturday at Death Valley. A really good one.BECOME A SUBSCRIBER AT TIGERILLUSTRATED.com!But this game came down to South Carolina having ...

CLEMSON -- There was a time when Clemson won big games because it had Deshaun Watson and the other team didn't.

The Tigers had a good quarterback Saturday at Death Valley. A really good one.

BECOME A SUBSCRIBER AT TIGERILLUSTRATED.com!

But this game came down to South Carolina having LaNorris Sellers and the Tigers not.

Sellers put his team on his back in a spectacular showing, including the go-ahead 20-yard touchdown run on third-and-18 with a little over a minute left.

Advertisement

Cade Klubnik's experience meant a lot in this rare Top 15 rivalry matchup between the Tigers and Gamecocks.

Just not enough.

Klubnik guided the offense down the field to breathe life back into the stadium after Sellers sucked the life out of it.

They were 18 yards away from winning it with 12 seconds left.

But a chance to send the game into overtime with a field goal disappeared when Klubnik threw behind Phil Mafah.

Demetrius Knight dived to cradle the ball, and ballgame.

South Carolina 17, Clemson 14.

Crushing. Just crushing.

Maybe this Tigers team still ends up in the playoff.

Immediately after the game it was too early to tell.

But immediately after the game there was nothing on anyone's mind but an excruciating defeat at the hands of South Carolina.

Many Clemson fans still haven't gotten over the 31-30 defeat here two years ago that snapped the Tigers' 40-game home winning streak.

It could take as long to get over this one. Maybe longer.

Because for so long Saturday it was right there in the Tigers' grasp.

Sellers threw for just 164 yards with a fourth-quarter interception in the red zone.

But he made up for that, and an early lost fumble, with 166 rushing yards on 16 carries.

Shane Beamer said afterward that Sellers is the best player in college football, and the redshirt freshman made quite a case in extending the Gamecocks' win streak to six games.

Clemson just couldn't get him on the ground.

He averaged 10.4 yards a carry and had gains of 38, 27, 27, 25, and 20 yards.

The Tigers' offense was so close to landing the dagger in the third quarter after taking the opening kickoff and marching 75 yards on 11 plays to take a 14-7 lead.

Klubnik even sent a message that the Tigers were taking over physically on his 18-yard touchdown run, lowering his shoulder and plowing through Nick Emmanwori for the score.

When Avieon Terrell stripped the ball away from Rocket Sanders in Clemson territory on the Gamecocks' next possession to give the Tigers the ball, it felt like a pivotal juncture.

Clemson resumed moving it from there, all the way to the Gamecocks' 32.

Thirty-two yards from a two-touchdown lead, and well within range of a field-goal to take a two score advantage.

And all options on the table with a first down.

Then it all went up in smoke after Garrett Riley called in some trickery.

Klubnik stumbled after taking the snap from center.

He was to flip it to Mafah, who then was to flip it to Bryant Wesco coming back around in orbit motion.

Cole Turner was running free toward the end zone. But the play never got off the ground.

Klubnik's stumble sent his pitch wide of Mafah, who seemed to corral the ball as he was falling to the ground.

The officiating crew ruled Mafah was down.

And Clemson snapped the ball on second down, a Klubnik pass to TJ Moore already in the air as whistles sounded blowing the play dead for a review of the previous play.

The call was overturned. The review booth ruled Mafah never had possession of the ball.

Turnover.

Join Tigerillustrated.com subscribers on The West Zone message board!

From there, Clemson's next three drives ended in punts with just 32 yards gained.

The Tigers had their opportunities, including a missed third-down throw from Klubnik to Wesco.

And, of course, the chance to win the game or send it to overtime there at the end.

Clemson got neither.

Our off topics forum

If you want to say it was because the Tigers didn't have Sellers and the Gamecocks did, you'd get no argument here.

Klubnik was often super.

BECOME A SUBSCRIBER AT TIGERILLUSTRATED.com!

But Sellers was Superman.

SHOP daily DEALS on Clemson apparel/gear at The Tiger Fan Shop HERE!

Disclaimer:

This website publishes news articles that contain copyrighted material whose use has not been specifically authorized by the copyright owner. The non-commercial use of these news articles for the purposes of local news reporting constitutes "Fair Use" of the copyrighted materials as provided for in Section 107 of the US Copyright Law.