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.
The people of Johns Island have spoken — and, much to their surprise, Charleston City Council actually listened.And they’ll no doubt be listening even more soon, because Johns Island’s voice is about to get notably louder.On Tuesday, City Council is expected to pledge that Johns Island — for the first time — will get its own council district when a new census-mandated redistricting map is approved.Despite some mild reservations from a couple of members, this resolution is almost certain to p...
The people of Johns Island have spoken — and, much to their surprise, Charleston City Council actually listened.
And they’ll no doubt be listening even more soon, because Johns Island’s voice is about to get notably louder.
On Tuesday, City Council is expected to pledge that Johns Island — for the first time — will get its own council district when a new census-mandated redistricting map is approved.
Despite some mild reservations from a couple of members, this resolution is almost certain to pass. So, come November 2023, some lucky (or masochistic) Johns Islander will win a seat on Charleston City Council.
That’s good news ... and potentially a prime example of how folks should be careful what they wish for.
Right now, Johns Island is part of Councilman Karl Brady’s West Ashley-based district. Residents aren’t thrilled with the arrangement, although their gripe isn’t with Brady.
John Zlogar, chairman of the Johns Island Task Force, told council at a redistricting workshop last week that a recent poll found 86% of residents want the island represented by a single district … because they want to ensure one of their own is on council.
“For years, Johns Island has felt like a stepchild who did not have a seat at the table,” Zlogar said.
Yes, the island has always been tacked onto a West Ashley or James Island council district. But in the past decade, the island’s population of city residents has grown to nearly 12,000 — making it almost the perfect size for a single council district.
But the city’s earliest drafts for new districts had Johns Island divvied up between two or even three council members. Those plans proved unpopular on the island, so a parade of folks (including the League of Women Voters) urged council to reconsider.
Even West Ashley Councilman Ross Appel — who would get part of the island under one of the proposals — argued Johns Island would be better off with its own representative.
Makes sense. But so does the advice islanders have gotten from veteran Councilman Keith Waring.
Waring sympathizes with Johns Islanders, because he remembers when West Ashley didn’t have an adequate voice on council. But several weeks ago, he warned them about unintended consequences.
See, in the city’s initial plans, Johns Island was slated to make up almost two-thirds of one district and close to 40% of another. Another proposed map even had a sliver of the island in a third district.
Yes, that divided the island — but it gave residents significant sway over two council members (and some influence over a third, since council races are often decided by less than 1,000 votes).
Waring supports giving Johns Island its own district, but he notes the original map wasn’t a bad deal for them.
“I asked them if they know that Three Dog Night song, ‘One is the loneliest number,’” Waring recalls. “Because it takes seven votes to get anything on council.”
And having electoral influence over three council members and the mayor, Waring notes, gets them more than halfway to that magic number.
It also gives them more votes when local opinions vary, as they often do on Johns Island. See: Interstate 526.
He’s right, of course. Having all of Johns Island in one district ensures residents have a voice at City Hall (well, two, if you count the mayor). Conversely, it means they have no influence over the 11 other council members, who could completely ignore their wishes.
“Not that council would do that,” Waring says.
Yes, not that council would do that. City Council is normally a conscientious group. Well, as normal and conscientious as politics is these days.
Johns Islanders should understand the dynamic. On Charleston County Council, they’re represented by Councilwomen Anna Johnson and Jenny Honeycutt, neither of whom lives on the island. But both fight vigorously for its interests. Earlier this year, the pair teamed up to kill plans for an unpopular burn site on Johns Island.
Islanders assured Waring they considered his scenario — and math — but believe the upside of their own seat outweighs the potential pitfalls. Maybe it does.
Either way, Johns Island has apparently won — and it wasn’t easy. The map that gives them a single seat is going to cost Councilman Jason Sakran his, and council was hesitant to unseat an elected member.
But Waring argued this has happened before, and last week his colleagues realized they couldn’t save Sakran’s seat ... or split Johns Island.
As Appel noted, council members should be able to explain their districts in English — which means they ought to represent an easily definable area.
A Johns Island district fits that definition almost perfectly. But as Waring noted in plain-spoken political terms, it won’t be perfect.
Because when you’re one voice out of 12, and not three, some things are bound to get lost in translation.
CHARLESTON, S.C. (WCSC) - Week four of the high school football season kicks off on Friday night. Check back here for scores and highlights and watch Friday Night Lights on Live 5 News Friday at 11:15 p.m.9/16Cane Bay 31, James Island 28 - Live 5 Game of the Week: Cobras 2-1 hand the Trojans 4-1 their first loss of the yearFt. Dorchester 48, Berkeley 6 - Patriots get back to .500 2-2, Stags fall to 1-4West Ashley 7, Wando 0 - Wildcats start off strong 5-0, Warriors fall to 1-3...
CHARLESTON, S.C. (WCSC) - Week four of the high school football season kicks off on Friday night. Check back here for scores and highlights and watch Friday Night Lights on Live 5 News Friday at 11:15 p.m.
Cane Bay 31, James Island 28 - Live 5 Game of the Week: Cobras 2-1 hand the Trojans 4-1 their first loss of the year
Ft. Dorchester 48, Berkeley 6 - Patriots get back to .500 2-2, Stags fall to 1-4
West Ashley 7, Wando 0 - Wildcats start off strong 5-0, Warriors fall to 1-3
Blythewood 42, Goose Creek 28 - Gators lose fourth straight 0-4
Sumter 16, Summerville 0 - Green Wave takes first loss of the season 3-1
Ashley Ridge 26, St. James 10 - Swamp Foxes pick up the win 3-1
Carolina Forest 17, Stratford 14 - Knights lose the close contest 0-3
Beckham 48, Stall 0 - Bengals improve to 4-1, Warriors lose in the shutout 0-4
Colleton County 19, North Charleston 12 - Cougars get first win of the season 1-3, Cougars drop to 2-3
Woodland 23, Bishop England 13 - Wolverines stay undefeated 4-0, Battling Bishops move to 1-4
Aynor 52, Philip Simmons 31 - Iron Horses fall to 3-2
Hanahan 30, Timberland 24 - Hawks still undefeated 3-0, Wolves cannot get in the win column 0-5
Scott’s Branch 20, St. John’s 16 - Islanders lose a close one 0-5
Cross 14, Lack Marion 9 - Trojans jump to 4-1
Baptist Hill 36, Allendale-Fairfax 28 - Bobcats win third straight
Academic Magnet 26, Palmetto Christian 10 - Raptors win fourth straight, Eagles move to 0-4
Whale Branch 53, Burke 12 - Bulldogs lose big 0-4
Porter-Gaud 24, Ben Lippen 22 - Cyclones win in the nail-bitter 3-2
First Baptist 28, Hilton Head Prep 14 - Hurricanes jump to even on the year 2-2
Pinewood Prep 40, John Paul II 26 - Panthers move to 2-3
Hilton Head Christian 35, Northwood Academy 0 - Chargers lose their fifth game in a row 0-5
Thomas Heyward 50, Dorchester Academy 22 - Raiders take first loss on the season 4-1
Colleton Prep 53, Andrew Jackson 22 - War Hawks show out in big win 4-0
Lee Academy 49, St. John’s Christian 36 - Cavaliers drop to 2-3
Military Magnet (1-3) at Bethune-Bowman
Copyright 2022 WCSC. All rights reserved.
CHARLESTON, S.C. (WCSC) - A popular restaurant in West Ashley serving up soup, salad and sandwiches is preparing to close its doors for the last time.Ladles Soups, located 3125 Bees Ferry Road in Charleston, will close down on Thursday at 8 p.m., according to a post on the store’s Facebook page.“I truly cannot express how grateful we are to the local community that kept us going for so long, especially through the last few years,” the post states. “We are sad to leave you but excited to begin the next ch...
CHARLESTON, S.C. (WCSC) - A popular restaurant in West Ashley serving up soup, salad and sandwiches is preparing to close its doors for the last time.
Ladles Soups, located 3125 Bees Ferry Road in Charleston, will close down on Thursday at 8 p.m., according to a post on the store’s Facebook page.
“I truly cannot express how grateful we are to the local community that kept us going for so long, especially through the last few years,” the post states. “We are sad to leave you but excited to begin the next chapter of our lives.”
Suzie Allen, who founded Ladles Soups with the opening of the West Ashley store in October of 2007, calls the closure heartbreaking.
“Ladles is a labor of love, and we never really had a chance to get it off the ground,” she said. “You know, it takes time to build a chain of restaurants and COVID, it’s sad, it took that one down.”
Allen said COVID has created sometimes-insurmountable challenges for many restaurants, especially in the Charleston area. As businesses started reopening after initial closures, they faced struggles to pay the bills.
“It put up very strenuous money strain on all businesses, not just the restaurant industry, everyone, because you know you have an overhead to pay,” she said. “You have to make sales in order to pay overhead. You have to do that. I think just a lot of these people did the best that they could possibly do and at some point, it just drains the life out of you.”
She called COVID and its aftermath a “perfect storm” for businesses and hopes customers understand and appreciate the dedication restaurant owners and employees face in keeping the doors open every day.
“You’re losing business because you don’t have enough employees to serve the customers that are coming in,” she said. “They get frustrated because they’re not getting served quickly enough. We can’t get the food that we used to be able to get. We’re limited to the things that we can order and it has nothing to do with our food vendors; it has to do with just the supply chain. The problem is they’re paying more for goods. They can’t they make less money and they can’t pay the overhead. It’s just really hard.”
But she said she is grateful for her customers, both longtime and new.
“Thank you for patronizing us and supporting us, and we do have diehard customers that come no matter what. And, you know, without them, we would have never even gotten to where we were,” she said. “And I’m not saying Ladles is done, because it’s by no means done.”
The downtown Charleston and James Island locations are remaining open, along with a location in the Outer Banks, Allen said.
Allen sold the West Ashley location in 2017, but her family still owns the other Charleston-area locations.
“Hopefully, down the road you know, we’ll be able to open up some more locations. That’s what we’re hoping for,” she said.
Copyright 2022 WCSC. All rights reserved.
West Ashley, SC (WCIV) — The battle continues over a plot of land in West Ashley. The City of North Charleston is going head to head with the City of Charleston over the annexation of one acre of land in West Ashley.This started in 2017 when North Charleston annexed the acre of land. The City of Charleston said annexation was illegal and included a portion of historic ground. But, in 2018, a judge ruled the City of Charleston could not sue, but the City of North Charleston did not have the right to jump over Charleston for this ...
West Ashley, SC (WCIV) — The battle continues over a plot of land in West Ashley. The City of North Charleston is going head to head with the City of Charleston over the annexation of one acre of land in West Ashley.
This started in 2017 when North Charleston annexed the acre of land. The City of Charleston said annexation was illegal and included a portion of historic ground. But, in 2018, a judge ruled the City of Charleston could not sue, but the City of North Charleston did not have the right to jump over Charleston for this land.
Both cities went to the appeals court on Tuesday to fight that decision.
North Charleston said they annexed the acre because it was given to the city.
"We did not take any trust property by annexation. We didn't take any City of Charleston property by annexation," said Derek Van Raalte, attorney for North Charleston.
But, the City of Charleston said that the land grab included a piece of a 100-foot strip of land over which the City of Charleston has jurisdiction.
That land is a part of the National Trust for Historic Preservation.
"The City of Charleston and the property put an affidavit for a land surveyor. (The surveyor) attested the annexation included 62 or 64 feet of the national trust property, " said George Trenholm Walker, attorney for National Trust for Historic Preservation.
The City of North Charleston said they never received information that was part of the National trust.
"The City of North Charleston never received title to an inch or a fraction of an inch of the national trust land," said Van Raalte.
The City of Charleston, however, said that to annex that one acre, the city of North Charleston crossed over their land.
According to South Carolina law, that is not allowed; a judge in 2018 ruled the City of North Charleston did not have the right to jump over Charleston's land.
"This is an instance where a municipality went over the borders of another municipality and two parcels of a municipality to annex an acre," said Walker.
But North Charleston said the acre was adjacent to the property they owned. The city of Charleston said this move could lead to issues in the future.
"If Charleston is precluded from challenging an annexation that jumps its borders, it sets out a precedent that opens pandora's box," said Frances Cantwell, the City of Charleston's attorney.
The judges did not decide on Tuesday.
The City of Charleston did not release a new statement, and the city of North Charleston did not respond to our request for comment.
WEST ASHLEY, S.C. (WCIV) — Today marks a new chapter in the turf war between two cities, as the City of Charleston and the City of North Charleston will go to court to over a plot of land in West Ashley, which could shake up the landscape of the town.It all started back in 2017 when the City of North Charleston annexed the Runnymede property next to the Ashley River and Magnolia plantations. The owner of this property also owned land at the Whitfield Tract plantation and gave permission to the city to annex a one-acre property a...
WEST ASHLEY, S.C. (WCIV) — Today marks a new chapter in the turf war between two cities, as the City of Charleston and the City of North Charleston will go to court to over a plot of land in West Ashley, which could shake up the landscape of the town.
It all started back in 2017 when the City of North Charleston annexed the Runnymede property next to the Ashley River and Magnolia plantations. The owner of this property also owned land at the Whitfield Tract plantation and gave permission to the city to annex a one-acre property adjacent to it.
With this land it would open the door for North Charleston to take control of nearly 2,500 acres of land at Whitfield Tract.
But the problem is the city’s current lines do not touch this property, which is an argument the City of Charleston will hammer in at court on Tuesday, Oct. 11.
The City of Charleston and the National Trust for Historic Annexation sued the city of North Charleston in 2018 over this dispute. In the first hearing the court ruled the City of North Charleston did not have the right to jump over Charleston for this land, however Charleston did not have “standing” to sue (which can be a big hurdle to cross in civil cases.)
On Tuesday, there’s two appeals-- one for the one-acre of land and one for the remaining 2,500 acres on Whitfield Tract.
In 2018 the City of Charleston annexed the 2,500 acre property at Whitfield tract as purely a conservation measure just a week after the City of North Charleston annexed the one acre property next to it.
In 2018 the City of Charleston annexed the 2500 acre property at Whitfield tract as purely a conservation measure just a week after the City of North Charleston annexed the one acre property next to it.
Conservation experts are worried Tuesday's decision could be a slippery slope for land acquisition in the future.
“I think that you have some catastrophic impacts that could happen across this state if cities, leapfrogging over other cities. I mean, just imagine, like, Sullivan's Island, leapfrogging over the town of Mount Pleasant to get Cainhoy Road or something," Senior Program Director for the Coastal Conservation League Jason Crowley said.
The City of North Charleston gave ABC News 4 this statement ahead of the court hearing:
The City of North Charleston prevailed at the trial court level and looks forward to moving through tomorrow’s appeal hearing stage as well.
Conservation experts also warn about the environmental impacts this decision could have. The one acre of land in question is right next to the Church Creek River Basin. The property currently acts like a sponge, stopping flooding to the basin from the Ashley River.
But if this property is developed, this could flow downstream into neighborhoods in West Ashley and only increase flooding problems in the City of Charleston.
The City of North Charleston has not confirmed any plans for the property, but certain zoning requirements could leave the door open for developments. The property falls outside the City of Charleston’s urban growth boundary, which prevents them from making any developments.
However, the City of North Charleston does not follow those rules.
While conservation experts argue for the historic nature of these plantations, they say the ecological impacts could be much worse.
“Any sort of change in hydrology change and development in this vast undeveloped area will have catastrophic effects downstream in the communities that are already dealing with some pretty major flooding,” Crowley said.
"And then you add on traffic and all the other things that everyone loves to talk about. And you will just completely destroy this area that people have fought so hard to protect over the last several decades,” Crowley continued.
The City of Charleston provided ABC News 4 with this statement ahead of the court hearing:
Fixing flooding in Church Creek is a top priority for the city of Charleston-- and to do that, we have to prevent overdevelopment of this area at the top of the drainage basin. That's our goal here, and it's why we'll be in court again on Tuesday morning
Tuesday's hearing is an appellate court hearing, which will purely focus on the legality of these annexations. But it also means if the City of Charleston loses, they could appeal all the way to the Supreme Court, which could take years to be heard.