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.
Chronicle County boys tennis teams are moving on to the third round of the S.C. High School League playoffs.River Bluff defeated Stratford 6-0 Thursday, setting up an all-Region 5-5A matchup with Dutch Fork Monday. The Silver Foxes beat West Ashley and look to avenge a regular-season loss to the Gators.In Class 4A, Irmo won its second straight road playoff match. The Yellow Jackets defeated Catawba Bridge 4-3 and will face Region 4-4A rival Dreher Monday in the third round.Second-round action continues Friday in Class 2A...
Chronicle County boys tennis teams are moving on to the third round of the S.C. High School League playoffs.
River Bluff defeated Stratford 6-0 Thursday, setting up an all-Region 5-5A matchup with Dutch Fork Monday. The Silver Foxes beat West Ashley and look to avenge a regular-season loss to the Gators.
In Class 4A, Irmo won its second straight road playoff match. The Yellow Jackets defeated Catawba Bridge 4-3 and will face Region 4-4A rival Dreher Monday in the third round.
Second-round action continues Friday in Class 2A when Batesburg-Leesville plays host to Landrum at 4 p.m.
Layne Turner went 4-4 with two RBI and Billy Elswick went 2-3 with a two-run homer as the Eagles won for the 13th time in 14 games.
John Allen Forester struck out eight and allowed four hits in eight innings for the victory.
Airport (18-5, 7-1) travels to Irmo Friday.
The Bearcats wrapped up an undefeated season in Region 5-3A Thursday with their 15th consecutive victory
Brookland-Cayce (16-3, 10-0) will open the Class 3A playoffs at home Tuesday against Loris.
Kinzee Mozley posted another hat trick as she and Erin Taylor each had three goals and the Lady Indians finished out Region 5-3A play Thursday.
The final goal scored by Mozley at the 44-minute mark was the team’s 100th goal of the season. The match was stopped after 55 minutes.
Gilbert (16-5, 10-) will open the Class 3A playoffs at home Tuesday against the fourth place team out of Region 7-3A.
Alanna Colbert scored two goals and had six assists as the Lady Gators closed out the regular season with a victory.
Katie Freiberger and Erika Violette were in goal for the shutout.
River Bluff opens the Class 3A playoffs at home Tuesday against Carolina Forest.
The Indians closed out the regular season by finishing in second place in Region 5-3A.
Gilbert (13-4, 8-2) will play host to Loris Monday in the opening round of the Class 3A playoffs.
Matthew Rotola, Jackson Collins and Tripp Bryant all had two goals each to lead the Gators on Senior Night.
River Bluff will open the Class 5A playoffs Monday at home against St. James.
South Carolina's road agency says the cost to build a long-debated completion of the Interstate 526 loop has tripled to more than $2.3 billion because of rising costs of land and construction.The state's share of the Mark Clark Extension is capped at $420 million in a 2019 agreement with the Charleston County, meaning the county would need to find nearly $2 billion to complete the project — six times more than it planned.The highway would start at the west end of I-526 in West Ashley, cross on to Johns Island and run back...
South Carolina's road agency says the cost to build a long-debated completion of the Interstate 526 loop has tripled to more than $2.3 billion because of rising costs of land and construction.
The state's share of the Mark Clark Extension is capped at $420 million in a 2019 agreement with the Charleston County, meaning the county would need to find nearly $2 billion to complete the project — six times more than it planned.
The highway would start at the west end of I-526 in West Ashley, cross on to Johns Island and run back off the island to James Island. It would end at the James Island Connector.
“This, to me, is a perfect opportunity for Charleston County Council to walk away from this project,” Jason Crowley of the Coastal Conservation League told The Post and Courier of Charleston.
The league has fought the new highway for years, saying it would benefit few people and harm many.
A large portion of the project would go through Charleston. Mayor John Tecklenburg said the I-526 extension is vital.
"Our West Ashley and island residents need and deserve the traffic relief and public safety improvements this project will bring,” Tecklenburg said in statement.
The I-526 extension is separate from another project to widen the mostly four-lane interstate that links Mount Pleasant to the state port, Interstate 26 and West Ashley. The freeway has been busy because of the Charleston area's growth.
State officials said it could cost around $7 billion to expand I-526 to eight lanes, untangle its intersection with I-26 and build or expand several bridges along the route.
For the I-526 extension, the South Carolina Department of Transportation is asking Charleston County to show it still wants to fund the project, estimating the county would need to pay about $75 million to get ready for bids.
“I don’t know if people are going to have an appetite for it,” said County Council Chair Teddie Pryor. “Where are we going to get the extra money from?”
The project's supporters suggest prices may soon fall, reducing the cost of I-526. Charleston Metro Chamber of Commerce said, though, that further delays show costs inevitably rise.
“The current cost of the project heightens the important need of completing this effort now," the chamber said.
Roper St. Francis Healthcare was fined $104,000 by the state for repeatedly mishandling medical waste sent to Charleston County landfills, according to ordersRoper entered into two consent orders with the S.C. Department of Health and Environmental Control where it agreed to pay a total fine of $104,000 for multiple violations of the state’s infectious waste laws.The hospital noted in the orders that it did not agree with the department’s version of events.The incidents involved two of the health system&rsquo...
Roper St. Francis Healthcare was fined $104,000 by the state for repeatedly mishandling medical waste sent to Charleston County landfills, according to orders
Roper entered into two consent orders with the S.C. Department of Health and Environmental Control where it agreed to pay a total fine of $104,000 for multiple violations of the state’s infectious waste laws.
The hospital noted in the orders that it did not agree with the department’s version of events.
The incidents involved two of the health system’s hospitals, Roper Hospital in Charleston and Bon Secours St. Francis Hospital in West Ashley, spokesman Andy Lyons said.
According to the order, DHEC was contacted Aug. 27 by a manager of Carolina Waste and Recycling in North Charleston that it had received a load that appeared to contain medical waste, which it is not licensed to handle.
A department inspector found bags that were open and spilling onto the ground that appeared to contain bloody gauze, gloves, medical vials and papers from Roper. The bags were not marked as a biohazard and secured as required.
Roper sent a contractor to pick up and properly dispose of it.
Two weeks later, Carolina Waste again contacted DHEC to report it had received what appeared to be more medical waste. The medical waste was unmarked and some bags were open. Other waste was kept in containers too flimsy to prevent tearing.
Along with gauze and other waste products were gloves and tubing and surgical drapes. Roper again arranged for proper pickup and disposal.
About a month later on Oct. 5, DHEC got a call from a manager at the Charleston County landfill about a load from Roper that appeared to contain infectious waste, which it is not permitted to take. Further inspection showed bags and containers that were open or easily torn, with some not marked as biohazards.
They contained bloody syringes, gauze, medical vials, and intubation equipment along with documents from Roper.
St. Francis was fined for incidents in September and October involving medical waste, including a patient’s wristband with the hospital’s name, mixed in with other trash sent to Charleston landfills.
In November, DHEC issued Roper and St. Francis notices of violations of the state’s infectious waste disposal laws. Roper responded with a waste management plan and corrective actions that cost the hospital $114,000, according to the order. St. Francis also took corrective actions.
The health system “went above and beyond to fix it,” Lyons said. “Since the state’s last visit more than six months ago, we’ve gone to great lengths and expense to make improvements to our handling of infectious waste.”
The hospitals did immediately investigate and worked with DHEC to correct each of the violations, the state agency noted.
DHEC ordered the health system to pay civil penalties of $50,000 for Roper Hospital in Charleston and $54,000 for Bon Secours St. Francis Hospital in West Ashley, and those have been paid, Lyons said.
Last year, Medical University of South Carolina also ran afoul of DHEC after some of its medical waste was found in the Charleston County landfill.
MUSC said at the time it was working with DHEC to correct it and reviewing its waste-management practices. That investigation is still ongoing, a DHEC spokeswoman said.
Editor’s note: this article has been updated to correct the total amount Roper St. Francis Healthcare was fined by the state.
Did you know that the largest balloon retailer in North America lives right here at home in West Ashley?As a mother of five with a plethora of experience planning and hosting events for her family and local community, Charleston Balloon Company’s Senior Designer and CEO, Jill Shortreed has been active in the event and balloon industry for nearly 25 years. She is now an industry leader and public speaker; teaching other small business owners how to take their business to the next level—just as she did. Each day, both Jill a...
Did you know that the largest balloon retailer in North America lives right here at home in West Ashley?
As a mother of five with a plethora of experience planning and hosting events for her family and local community, Charleston Balloon Company’s Senior Designer and CEO, Jill Shortreed has been active in the event and balloon industry for nearly 25 years. She is now an industry leader and public speaker; teaching other small business owners how to take their business to the next level—just as she did. Each day, both Jill and her team at Charleston Balloon Company strive to change the way that the world views and experiences balloons.
“Balloons have a place in the event industry and the best event planners that we work with do not make it an afterthought but part of the initial planning process” states Jill.
You may now be asking yourself, what is Charleston Balloon Company? Charleston Balloon Company is not a party store. You will not find cups, plates, candles, cards, or candy. What you will find is balloons, and only balloons. As the largest balloon retailer in North America, you will find a store filled with over 7,000 products, 75 different colors of latex balloons, and hundreds of new designs on display in their shop and across their social media.
Specializing in only balloons makes the Charleston Balloon team masters at crafting event decor that will elevate a birthday, bachelorette weekend, or any event into an unforgettable memory. Their Instagram-worthy decor makes them in high demand with clients booking up to a year in advance. Their balloon arches, over the top balloon arrangements, and personalized confetti balloons continue to make them the number one go to balloon delivery service.
Jill says, “If you want balloons, we make it happen. Sometimes it feels like we can defy the impossible with our balloons!”
And that’s no exaggeration.
Charleston Balloon Company truly defies what people expect from balloon arrangements. Some of their favorite events include transitioning a large, empty banquet room for a sweet 16 into an under the sea spectacle filled with bubbles & mermaid themed decor; a pool party where guests entered through a giant shark’s mouth, and ceiling filled with a stunning assortment of silver balloons for a private, corporate dinner.
“We love taking balloons to a different level from what people think balloons are,” Jill says. “My favorite thing to do is put balloons where people least expect them.”
The multiple large-scale balloon installations and event inquiries that Charleston Balloon receives every day require a team of experienced balloon artists and professionals to make it happen. And they have their process of granting clients’ wishes down to a science.
Depending on the magnitude of the requested decor, clients often come into the shop for a consultation with a vision in mind. The Charleston Balloon Company team asks a few questions to get into the client’s head to begin a collaborative design process together. Larger-scale events can even receive a digital mockup of their decor, and the Charleston Balloon team will bring that digital rendering to life to make the client’s balloon dreams come true.
While it’s rewarding to bring a vision to life with balloons and a bit of magic, the most rewarding part of Jill’s job is creating an emotional experience with balloons.
“Even if someone is having a horrible day or is ordering balloons for a sad reason, a balloon creates an emotional happiness that no other product creates,” she says. “When a child runs up to find balloons at their front door, the amount of emotion attached to that is indescribable.”
With internationally-recognized credits, multiple prestigious awards, and a portfolio full of large and small-scale projects for both private and public events; Charleston Balloon Company continues to pave the way for the balloon industry each and every day with their highly requested services.
Today, the family-based, independent, woman-owned company is thriving with hundreds of events per month and a wide variety of clients. From foil shaped numbers and latex balloons to large arrangements, installations, and much more, Charleston Balloon Company truly does it all, and does it well.
To learn more about why they “Get Invited to The Best Parties” and how you can place an order for your next event, visit their website at charlestonballooncompany.com.
Development in West Ashley around Bees Ferry Road has been dominated by multifamily growth — a trend the city of Charleston planning director said the city wasn’t expecting when development of annexed areas began in the late 1990s.“Years ago, the assumption was that there was going to be a huge amount of retail demand,” said Christopher Morgan, planning director for Charleston. “There are a couple of new multifamily developments right near ...
Development in West Ashley around Bees Ferry Road has been dominated by multifamily growth — a trend the city of Charleston planning director said the city wasn’t expecting when development of annexed areas began in the late 1990s.
“Years ago, the assumption was that there was going to be a huge amount of retail demand,” said Christopher Morgan, planning director for Charleston. “There are a couple of new multifamily developments right near West Ashley High School on the Glen McConnell Parkway that are on properties that are zoned general business.”
Morgan said that general business in the city allows for 26 units per acre for residential, and the market has responded. Developers who might have invested time and money into office buildings 20 years ago are often choosing multifamily construction.
Early major multifamily developments included Grand Oaks Plantation, built in the late 1990s that added more than 1,400 homes with an entrance from Bees Ferry Road; Hunt Club, built in the early 2000s with approximately 500 homes also off Bees Ferry Road and Carolina Bay, an 1,800-home multifamily development five minutes from Bees Ferry Road.
Smaller multifamily developments currently in the works, according to Morgan, include 38 single-family lots at Verbena Lane and Apiary Lane at the end of U.S. Highway 17 and Bees Ferry Road. Developers recently announced 55 single-family homes off of U.S. 17 on Hughes Lane near the 17 and Bees Ferry Road intersection.
Multifamily development is occurring on both sides of U.S. Highway 17 in the area. Palisades of Charleston apartments, with several hundred units, is nearing completion near the intersection of Main Road and U.S. 17.
With demand from multifamily developments comes with the need for improved road infrastructure. Major road widening projects are in the works to keep up with the number of cars on U.S. 17, Main Road and Bees Ferry Road thoroughfares.
In 2016, road improvement projects were identified by Charleston County to be paid for with the transportation half-cent sales tax. Considered “a project of regional significance,” per county documents, the $195 million road improvements could include a flyover at U.S. Highway 17 at Main Road and widening Main Road from Bees Ferry Road to Betsy Kerrison Parkway.
The first improvement will be for U.S. 17 and Main Road intersection improvements and Main Road improvements from Bees Ferry Road to River Road. Right of way plans for the first segment were expected to be complete at the end of 2020.
Bob Nuttall, managing principal and founder of Lee & Associates Charleston, said road improvement projects move at a considerably slower pace than private development. Nuttall, who specializes in office, retail, industrial, land and investment products, said a better solution to keep road congestion down would be to build denser multifamily developments with neighborhood retail.
“Any private development could go from zero to done in under 24 months, but any government project is going to be three times that long, if not longer,” Nuttall said. “The office, the retail, the warehouse, the multifamily — all that’s being built faster than any roads can ever keep up with, but I think that higher density is one way to help solve that problem.”
Nuttall said there’s no stopping the influx of people moving to the Lowcountry, but higher-density multifamily development, where units are built taller above a ground-floor level of retail and commercial spaces or neighborhood commercial spaces where residents can walk to without getting in their cars is a way to curb road congestion.
“There’s only two directions that you can grow in an area like Charleston — up or out. So, you either have to do the higher density stuff, like what’s happening on Morrison Drive, which I think is the right move, or build out wider,” Nuttall said. “The Glen McConnell Parkway expansion opened the opportunity for easy ingress and egress. And now it’s this kind of gangbusters. People are talking about how Bees Ferry Road already has so much traffic on it at peak times.”
Nuttall said is encouraged by the Medical University of South Carolina moving a clinic into the Citadel Mall in West Ashley and Roper St. Francis opening an Express Care in the area. He said that keeps needed services nearby, which reduces commute times.
He said West Ashley could benefit from beautifying its roads, similar to road beautification surrounding Park Circle in North Charleston.
“There really doesn’t seem to be a comprehensive plan (for West Ashley),” Nuttall said. “If there was more density, people wouldn’t have to drive so far to get places and do things. The city of Charleston really wants to grow, and I think it’s a great spot for them to embrace it.”