With 30 years in the industry

Mortgage Broker in West Ashley, SC

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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 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.

Service Areas
Mortgage Broker West Ashley, SC
 Refinance West Ashley, SC

Why Choose Dan Crance As Your Mortgage Lender in West Ashley, 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 West Ashley, SC

Home Financing in West Ashley, 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 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.

 FHA Mortgages West Ashley, 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 West Ashley, SC.

Refinancing in
West Ashley, 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 West Ashley, 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 West Ashley, 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 West Ashley, 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 West Ashley, 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 West Ashley 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 West Ashley, SC

Trust Dan Crance

Your Mortgage Lender in West Ashley, 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 West Ashley loves Classic Home Mortgage.

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Latest News in West Ashley, SC

7 Best Sushi Restaurants in Charleston

The Charleston sushi scene has been slowly expanding over the years. Just a few years ago, there were many places in the Lowcountry where you could grab a California roll or rainbow roll, but there were fewer places with fresh wasabi or rare delicacies like uni. Today, many sushi aficionados put Sushi-Wa Izakaya at the top, but there are a few other stops in town to quell nigiri cravings. Read MoreEater maps are curated by editors and ai...

The Charleston sushi scene has been slowly expanding over the years. Just a few years ago, there were many places in the Lowcountry where you could grab a California roll or rainbow roll, but there were fewer places with fresh wasabi or rare delicacies like uni. Today, many sushi aficionados put Sushi-Wa Izakaya at the top, but there are a few other stops in town to quell nigiri cravings.

Read More

Eater maps are curated by editors and aim to reflect a diversity of neighborhoods, cuisines, and prices. Learn more about our editorial process.

Kyoto-trained chef Yuichiro “Junior” Takebata runs the sushi side of this Japanese steakhouse in West Ashley. He specializes in nigiri and sashimi, but Hachiya also offers an extensive signature roll menu as well. Takebata sources most of the fish he uses in his sushi bar from purveyors who order directly from Tsukiji Fish Market in Tokyo.

Tired of eating cheeseburgers and wings while at a sports bar? Locals offers an extensive sushi menu, full of classic rolls and nigiri, but most customers are in for the super-stuffed signature rolls. For example, the Charleston roll is yellowtail, shredded “krab,” cream cheese, jalapeño, asparagus, and avocado, topped with sweet mango, crispy onions, and sweet chili sauce. It’s not for sushi purists, but its fun.

Sushi Wa Izakaya offers some of the freshest fish around. Chefs Kazu Murakami and Chris Schoedler offer high-end sushi, chirashi, sake, and small plates in the intimate dining room. Experience the nigiri-focused omakase Wednesday through Sunday, beginning at $100 per person. Reservations are difficult to snag, but the restaurant will occasionally announce openings on Instagram.

O-Ku is a major King Street hot spot, but it still commits to a solid sushi program. From the lemon and salmon roll to the otoro nigiri, there’s something for everyone. The popular happy hour on Mondays, Tuesdays, and Wednesdays is a fun way to try out the restaurant for less.

Shiki is a tucked-away space on East Bay Street beloved by locals since 2001. The long-standing sushi eatery is an intimate space to catch up with friends. The rolls are super fresh, the service is solid, and the sake is affordable. It's a relaxed night with raw fish and perfect rice.

In 2021, the team from always-packed oyster outlet 167 Raw turned their attention to even more seafood with the opening of 167 Sushi Bar. The sliver of a restaurant, which is 50 percent chef’s counter, offers a menu of the classic choices of nigiri, sashimi, and hand rolls. The eatery also offers izakaya options like a katsu sando and yakatori.

Chef Sean Park puts the utmost care into every plate and scores some of the freshest catches around. Kanpai was one of the first Lowcountry spots to put live uni on the menu. Mount Pleasant residents should definitely make a stop at Kanpai.

Kyoto-trained chef Yuichiro “Junior” Takebata runs the sushi side of this Japanese steakhouse in West Ashley. He specializes in nigiri and sashimi, but Hachiya also offers an extensive signature roll menu as well. Takebata sources most of the fish he uses in his sushi bar from purveyors who order directly from Tsukiji Fish Market in Tokyo.

Tired of eating cheeseburgers and wings while at a sports bar? Locals offers an extensive sushi menu, full of classic rolls and nigiri, but most customers are in for the super-stuffed signature rolls. For example, the Charleston roll is yellowtail, shredded “krab,” cream cheese, jalapeño, asparagus, and avocado, topped with sweet mango, crispy onions, and sweet chili sauce. It’s not for sushi purists, but its fun.

Sushi Wa Izakaya offers some of the freshest fish around. Chefs Kazu Murakami and Chris Schoedler offer high-end sushi, chirashi, sake, and small plates in the intimate dining room. Experience the nigiri-focused omakase Wednesday through Sunday, beginning at $100 per person. Reservations are difficult to snag, but the restaurant will occasionally announce openings on Instagram.

O-Ku is a major King Street hot spot, but it still commits to a solid sushi program. From the lemon and salmon roll to the otoro nigiri, there’s something for everyone. The popular happy hour on Mondays, Tuesdays, and Wednesdays is a fun way to try out the restaurant for less.

Shiki is a tucked-away space on East Bay Street beloved by locals since 2001. The long-standing sushi eatery is an intimate space to catch up with friends. The rolls are super fresh, the service is solid, and the sake is affordable. It's a relaxed night with raw fish and perfect rice.

In 2021, the team from always-packed oyster outlet 167 Raw turned their attention to even more seafood with the opening of 167 Sushi Bar. The sliver of a restaurant, which is 50 percent chef’s counter, offers a menu of the classic choices of nigiri, sashimi, and hand rolls. The eatery also offers izakaya options like a katsu sando and yakatori.

Chef Sean Park puts the utmost care into every plate and scores some of the freshest catches around. Kanpai was one of the first Lowcountry spots to put live uni on the menu. Mount Pleasant residents should definitely make a stop at Kanpai.

This West Ashley home flooded so much, Charleston County is buying and demolishing it

Eric Fore and his wife didn’t anticipate that becoming homeowners would be one of the most stressful experiences of their lives.When they bought a home in West Ashley on Boone Hall Drive in 2021, they'd heard the house was prone to flooding — it was swamped during the Great Flood of 2015. But they didn’t realize just how bad it was until they moved in."I was in the military for eight years, deployed and everything, and I’ve never been as stressed as I was about this house," Fore told The Post a...

Eric Fore and his wife didn’t anticipate that becoming homeowners would be one of the most stressful experiences of their lives.

When they bought a home in West Ashley on Boone Hall Drive in 2021, they'd heard the house was prone to flooding — it was swamped during the Great Flood of 2015. But they didn’t realize just how bad it was until they moved in.

"I was in the military for eight years, deployed and everything, and I’ve never been as stressed as I was about this house," Fore told The Post and Courier.

But Charleston County will be taking the house off the Fores' hands — alleviating their stress. On Aug. 13, County Council voted to approve a federal grant of over $414,000, allowing the county to acquire the house and demolish it.

The county is buying the property by using the flood mitigation assistance program under Federal Emergency Management Agency. Sean Dove, county floodplain management coordinator, said most of the grant money — around $343,000 — will be used to purchase the property at just around market value, according to estimates on the real estate website Zillow. The rest will go toward inspections, demolition and site work. He added there's also contingency funding for any unforeseen events.

Fore said the purchase would be enough to cover what's left of their mortgage, and put a little away for their next home.

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Dove said while this buyout is a special circumstance, the county is looking into acquisition and buyout programs for anyone whose house is prone to flooding. It's not something widely available to residents, but Dove said if more people want the county to buy out their flood-vulnerable house the county will look into it.

Initially, the county's plan in 2019 was to elevate this house, along with one on James Island using the grant funds. The house on James Island was successfully elevated.

But Dove said the county couldn't find any contractors confident they could elevate the house on Boone Hall Drive.

As a result, the county was left with a house that floods severely, and a homeowner who inherited the grant and the danger of living in an area prone to flooding. While the county wasn't able to elevate the house, they were able to work with the state to change the scope of the grant, Dove said. Now, they'll be able to demolish the house and use the property to help with maintenance to a drainage canal behind it.

It won't be the first flood mitigation project the county has done on Boone Hall Drive. Chris Wannamaker, county stormwater and utility manager, said the county finished installing a pipe from the street to the canal in August to help with drainage. He said Fore had reached out to him after Tropical Storm Debby to let him know that the project was a success and his yard didn't flood.

Building a fortress

Fore said he spent four days preparing for flooding from Hurricane Ian in 2022. He had around 60 sandbags around the house — barricading all doors, and even the inside of the garage door. He described the house as a fortress after he prepped it for the hurricane.

During the storm, floodwater rose up to around 1.5 feet around the house, Fore said.

"The only thing that kept water from coming in was the fact that I had Flex-Sealed the front door shut," Fore said.

Dollar Tree sprouting in a new spot in West Ashley. What you need to know.

Two months after Dollar Tree closed its Sam Rittenberg Boulevard location, the discount retailer has found a new home not far away.The chain will open a new 23,683-square-foot store at West Ashley Shoppes, taking over the former Bed Bath & Beyond that has been vacant for the better part of a year....

Two months after Dollar Tree closed its Sam Rittenberg Boulevard location, the discount retailer has found a new home not far away.

The chain will open a new 23,683-square-foot store at West Ashley Shoppes, taking over the former Bed Bath & Beyond that has been vacant for the better part of a year.

The retailer will join World Market, Party City, Once Upon a Child, Monster Music & Movies and the West Ashley DMV in the 140,000-square-foot Orleans Road shopping center, across the street from Citadel Mall.

Dollar Tree, which currently operates more than 8,000 stores throughout the U.S., signed a lease with Continental Realty Corp., a Baltimore real estate investment firm that also owns Mount Pleasant Towne Centre .

The chain's Sam Rittenberg store was closed as part of a renovation project.

Business

Home at last

After 26 years, sisters Carlene Browner and Cassandra B. Richardson have a permanent storefront.

The owners of BR Design Co., a clay jewelry company, have sold their wares in the temporary tables of Charleston's historic City Market for more than two decades.

That's two decades of boxing up their handmade jewelry and bringing them home every night, just to begin again the next morning.

"It feels great to be in such a good place, not having to pack up every single day," Richardson said.

On Oct. 5, she and her sister will celebrate the grand opening of their new indoor space at the downtown market, just through the doors past Callie's Hot Little Biscuit.

BR Design replaced a jewelry store that had been situated inside the City Market for 39 years and recently left.

"You just never know when a space will open up in the Market, or where it will be," Richardson said. "But we jumped at the chance."

The sisters will have giveaways, special guests and more to celebrate the opening starting at 9 a.m.

Bargain shopping

Consign Charleston is hosting its fall sale Oct. 5 in its West Ashley parking lot at 1610 Sam Rittenberg Blvd.

The secondhand store, established in 2007, will offer discounts from 20 percent to 50 percent off all items. Shoppers can also enjoy bottomless mimosas.

Consign Charleston offers a curated selection of men's and women's clothing, home décor, jewelry, brand-name accessories, kitchenware, art, furniture and more from upwards of 17,000 consignors.

Lunch time!

Savi Cucina + Wine Bar is now serving lunch seven days a week.

The restaurant in Mount Pleasant Towne Centre offers a variety of fresh dishes, including soups, salads, sandwiches, pizzas and pastas daily from 11 a.m. to 2:30 p.m.

Walk-ins are welcome, but reservations are available for those who need to plan ahead.

Savi also offers happy hour specials from 3 to 6 p.m. daily, with a full dinner service at 5 p.m.

Starting in October, the restaurant will introduce weekend brunch to its offerings.

Block party

The Hayes Park community on Johns Island is having a blowout of a celebration Oct. 12.

New Leaf Builders will be showcasing the model home it built in the new neighborhood, while also showing off its new design studio in the shopping center. The Charleston-based company relocated from its offices just down the street to the development.

Business

Enjoy local food truck Big Boned BBQ, a wine tastings by Beth Jeffcoat, and sushi and light bites at the staged Atrium Villas model home and New Leaf's studio.

The event from 12 to 3 p.m. will celebrate all the businesses in the community, including Emily Daws textiles, which opened in September at at 505 Hayes Park Blvd., Somm Wine Bar, High Steaks butcher shop and Opal Aesthetics, Modern Chiropractic and Simple Tree picture framing.

Business

All that glitters

Freshfields Village on Kiawah Island has gained a new tenant.

Hanebrink Jewelers opened its doors at 140 Gardeners Circle on Oct. 1. The veteran- and family-owned jeweler also has a location in Summerville on S. Main Street.

The full-service jewelry store offers ready-to-wear and custom-designed jewelry. Staff can also perform appraisals and change watch batteries.

Owner Frances Hanebrink is a graduate gemologist from the Gemological Institute of America and a member of the National Association of Jewelry Appraisers. She has been in the business for more than 25 years and is joined by her bench jeweler who has more than 30 years experience in the industry and is an expert on all things metal.

Business

Another locally owned jeweler, the century-old Croghan's Jewel Box, is having a trunk sale Oct. 5. The owners of the King Street store are celebrating a decadelong relationship with Los Angeles-based family-owned jeweler Single Stone from 10 a.m. to 5 p.m.

Husband and wife duo, Ari and Corina Madilian of Single Stone, will showcase their heirloom and fine jewelry collections of bands, bracelets, charms and pendants, and earrings. They'll also consult on custom one-of-a-kind designs.

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