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 West Ashley, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - West Ashley'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 West Ashley, 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 West Ashley, 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 West Ashley, 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 West Ashley, 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.
West Ashley, the area across the Ashley River from peninsular Charleston, offers a change of pace from some of downtown’s more tourist-centric areas of town. Home to more than 40 percent of the city’s population, the area boasts parks, restaurants, breweries and shopping catered to locals.ExploreKnown to some as the “birthplace of South Carolina,” West Ashley is home to the well-preserved colonial village, Ch...
West Ashley, the area across the Ashley River from peninsular Charleston, offers a change of pace from some of downtown’s more tourist-centric areas of town. Home to more than 40 percent of the city’s population, the area boasts parks, restaurants, breweries and shopping catered to locals.
Known to some as the “birthplace of South Carolina,” West Ashley is home to the well-preserved colonial village, Charlestowne Landing. The 184-acre state park off of Old Towne Road offers an opportunity to explore both the city and the state’s modern origins. With walking trails, marsh views and a small zoo, the state park is a site visitors and locals alike can visit multiple times for different experiences.
Get a breath of fresh air on the 7.8 mile West Ashley Greenway which starts at U.S. Highway 17 and Wappoo Road and ends at Higgins Pier where anglers can cast a line. There’s another opportunity to fish off of Sam Rittenberg Boulevard at Northbridge Park.
For a different scenic walk, meander via boardwalk through marshes and coastal forest at the Stono River County Park in outer West Ashley.
Unlike other areas of the city, West Ashley is home to some large-scale retail spaces that make it an ideal place for furniture stores and other specialty shops.
Consign Charleston offers seemingly endless rows of second hand furniture, clothing and other treasures. The warehouse setting and fun mix of oldies music make it an ideal environment to spend an entire afternoon browsing for unique finds.
In West Ashley, residents and visitors alike can start their day at local coffee shops like Second State Coffee which provides unique seasonal offerings like jasmine lattes in the summer, or Highfalutin Coffee Roasters has a rotating menu of international coffees from nearly every continent.
When lunch time rolls around, West Ashley delivers a bevy of barbecue options. Swig & Swine, Home Team BBQ and Bessingers Barbecue all have outposts in the area. But vegetarians have options, too. Stop at Dellzville for vegan eats including a pizza topped with edible flowers.
Spend the afternoon drinking local beers at breweries including Frothy Beard Brewing Company on Sam Rittenberg Boulevard, Charlestowne Fermentory’s two locations and Edisto River Brewing Company in outer West Ashley.
Dinner and drinks take many forms in West Ashley. Avondale Wine & Cheese offers a lengthy wine list accompanied by charcuterie and tapas. Across the street, Triangle Char & Bar offers a more laid vibe with beers and bar bites. Further down the road, The Glass Onion serves up authentic southern soul food with menu items like shrimp and grits, gumbo and red rice.
Casual drinks are served at favorite Avondale watering holes Gene’s Haufbrau, and The Roost Bar ’n Grille. Near the Shadowmoss neighborhood try House of Brews and for live music head to Tin Roof on Magnolia Road.
Supermarket, El Molino offers all specialty ingredients needed for a Latin meal including homemade tortillas. But there’s always the option to bail on cooking last minute and order the street tacos they make in-house.
The City of Charleston Community Development Commission met Thursday to discuss the development of the old Piggly Wiggly lot on Sumar Street in West Ashley.CHARLESTON, S.C. (WCSC) - The City of Charleston Community Development Commission discussed the development of the old Piggly Wiggly lot on Sumar Street Thursday night for the first time since last month after a city council meeting deferred discussions due to ...
The City of Charleston Community Development Commission met Thursday to discuss the development of the old Piggly Wiggly lot on Sumar Street in West Ashley.
CHARLESTON, S.C. (WCSC) - The City of Charleston Community Development Commission discussed the development of the old Piggly Wiggly lot on Sumar Street Thursday night for the first time since last month after a city council meeting deferred discussions due to a split vote.
The meeting lasted for three hours as commissioners argued back and forth, with some advocating for green space to be the focus, and others wanting the project to focus on revitalization.
City officials and the public were asked for their input on three different proposals last month, with the first option including underground parking, outdoor areas and a civic building.
Option one was the most popular with 72% of the community in favor of the design, yet approval failed in a split decision vote by the city council.
“I just want to say I’m a little surprised and disappointed that it seems like the politicians are just not listening to the residents of West Ashley,” community member Sharon Gardner says.
Thursday’s meeting was set with plans of potential action for the project, but after hours of heated discussion, the only decision made was to develop another proposal with a design only including civic building and green space.
“I think we need to develop another option,” Charleston City Councilmember, William Dudley Gregorie, says. “We need to develop another option that is green space, and municipal space, and let the people of West Ashley take a look at that.”
The motion was made even after dozens of members of the public continued to push for option one.
“Having something in our community to allow us to gather is very important,” West Ashley resident William Tinkler says. “I’ve talked with many people in the last couple of months, and I can tell that people in West Ashley, they want action; they want something done now.”
Although the meeting was held by the Charleston Community Development Commission, almost every member of the Charleston City Council joined, saying no project in the city’s history has had this large of a public response.
“Approach this effort in this project through the lens of West Ashley revitalization,” councilmember Ross Appel says. “We need to find a way to jumpstart the economy of West Ashley; because let’s face it, West Ashley does lag behind other parts of the city and other parts of the region.”
Unless one voting member changes their mind, at this rate the decision will simply remain split.
Charleston Mayor John Tecklenburg himself is on the side of economic growth.
“If we approve it, we would be able to move forward and get something going, that includes the multi-uses that respectfully many hundreds of our citizens weigh in upon over the last few years,” Tecklenburg says. “It’s a good option; it will revitalize the West Ashley, it’s a good way to go”
A community member who has been involved in the process says this is the nineteenth meeting on the development in the last six years.
Robert Mitchell, Perry Waring, William Dudley Gregorie and Caroline Parker were in favor of Thursday’s motion to develop another proposal with design only including civic building and green space. Mayor John Tecklenburg, Ross Appel and Jason Sakran were opposed.
Copyright 2023 WCSC. All rights reserved.
The redevelopment of the old Piggly Wiggly site near the Northbridge in West Ashley is continuing to move forward.CHARLESTON, S.C. (WCSC) - The redevelopment of the old Piggly Wiggly site near the Northbridge in West Ashley is continuing to move forward.The city of Charleston presented three options to community members to hear their feedback on which option they preferred Thursday night.Stormwater, traffic and noise were among the most common issues people shared at the meeting.“All the water from the shopp...
The redevelopment of the old Piggly Wiggly site near the Northbridge in West Ashley is continuing to move forward.
CHARLESTON, S.C. (WCSC) - The redevelopment of the old Piggly Wiggly site near the Northbridge in West Ashley is continuing to move forward.
The city of Charleston presented three options to community members to hear their feedback on which option they preferred Thursday night.
Stormwater, traffic and noise were among the most common issues people shared at the meeting.
“All the water from the shopping center now comes to the pond in front of my house,” community member Nell Postell said.
City officials presented three options with the main difference being parking.
Option one is the most expensive option– costing the city around $43 million, but it was the most popular vote amongst community members.
It includes underground parking, which officials say could store water in the event of a storm.
“We have flooding problems everywhere, it’s all over the news, well this is how we can address it,” community member Kenneth Marolda said.
Option two includes an above ground parking garage and is about $10 million less expensive than the first proposal. It has the same commercial capacity as the first option but has less civic space.
Finally, option three includes a regular parking lot, decreasing the number of people the venue can hold and the total cost.
Although City of Charleston Mayor John Tecklenburg did not specifically say he favors the option with the underground parking, he stressed how important it is to him for the development to include as much civic space as possible.
“I feel the most important thing about this whole project and development is providing a place where families in West Ashley can gather together,” Tecklenburg said.
City officials say part of the city’s portion of this project will be paid for via a special tax district in place.
Because of the site’s location, and because it will be partially funded with taxpayer money, city officials stressed the importance of getting the community on board with the development.
“It’s really important to get public feedback on this because this is the gateway into West Ashley and the city of Charleston,” West Ashley Coordinator Eric Pohlman said.
The plans will next be brought in front of the city council for a vote on June 20.
Copyright 2023 WCSC. All rights reserved.
CHARLESTON, S.C. (WCIV) — During a severe...
CHARLESTON, S.C. (WCIV) — During a severe storm or a heavy downpour, the surrounding areas in the Windermere Community see a lot of flooded streets.
For years, city leaders have been working on what solution to bring to make the impact of storms less severe.
City leaders work to bring flood relief to an older community in West Ashley. (WCIV)
It seems like after research and community interaction, leaders came up with the Windermere Basin Project. When completed, this project would allow the water from a storm to drain a lot easier out of the streets and flow into a drainage system.
Even though this project is still in its surveying and design phase, Councilman Ross Appel believes this could be a game change for residents in West Ashley.
"This project's main goal is to engineer our way out of a a lot of challenges by improving pipe size, and improving the number of drainage conveyances," Councilman Ross Appel said. "... So we can drain the area better, because right now when we get big storms Old Windermere and South Windermere floods pretty substantial."
This project would not only help clear the streets, but it would also help improve the quality of life throughout the Lowcountry.
“It impacts schools, workplaces, and the shopping centers and the more improvements we can go especially in these older neighborhoods that were not designed when they were originally built with any kind of storm water approach," said Matthew Fountain, the Director of Storm Water Management.
"We basically go back and retrofit those properties and install and improve new storm water systems and they would behave like they would require new commercial development or a new substation to be built and make a real improvement to people’s life," he said.
No date of the completion has been set but the project recently received a $2 million grant for the process.
WEST ASHLEY, S.C. (WCBD) – West Ashley community members are showing their support for the redevelopment of Sumar Street through a letter.“From the beginning, since 2016, it has been a community-led project. The community spoke up and said ‘hey we don’t want a 20-pump gas station here. We want something that we can enjoy with our families and kind of set the tone for future development in West Ashley,’” said West Ashley Resident, Ed Sutton.Last week, Charleston City Council reviewed three dif...
WEST ASHLEY, S.C. (WCBD) – West Ashley community members are showing their support for the redevelopment of Sumar Street through a letter.
“From the beginning, since 2016, it has been a community-led project. The community spoke up and said ‘hey we don’t want a 20-pump gas station here. We want something that we can enjoy with our families and kind of set the tone for future development in West Ashley,’” said West Ashley Resident, Ed Sutton.
Last week, Charleston City Council reviewed three different proposals for Sumar Street which has been vacant since 2018 when an old Piggly Wiggly was demolished. Council voted 6-6 on option one, before deferring the project to the Community Development Committee.
“We’re very concerned about where it’s going to go from there. Is it just going to be stalled again?” asked Kenneth Marolda, a member of the West Ashley Revitalization Commission.
This week, a letter signed by nearly 20 West Ashley residents and leaders called on the committee to hold their next meeting in West Ashley.
“The venue needs to be West Ashley so that people from West Ashley have the opportunity to be at those meetings and to weigh in and to let the folks who seem to think that the support is not here, to let them know the support is here,” Charlie Smith told News 2. Smith is a member of the West Ashley Revitalization Commission.
The letter was addressed to Councilman Robert Mitchell, the chairman of Community Development.
He was one of the six council members to vote against the plan to spend $45 million on a civic center, underground parking garage, and other mixed-use development proposed in option one.
“These are projects that are needed for this area and if we don’t do it now, infrastructure costs and the cost of construction are only going to increase in the future. It’s only going to get more expensive,” said William Tinkler, a West Ashley resident.
News 2 reached out to Councilman Mitchell, but we have not heard back. We also reached out to Councilmembers Boyd Gregg, William Gregorie, and Keith Waring, who all voted no, however they have not responded yet.
News 2 interviewed Councilwoman Caroline Parker and Councilman Kevin Shealy about their opposition last week.
The date for the next Community Development Committee meeting has not yet been listed on the City of Charleston’s website.