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.
CHARLESTON, S.C. (WCIV) — A West Ashley pond needing to be cleaned after a nearby restaurant dumped oil into a storm drain is improving significantly, according to City of Charleston leaders.“It was in very bad condition, but it is getting much, much more where we want to see it,” said Matt Fountain, Director of the Stormwater Management Department for the City of Charleston....
CHARLESTON, S.C. (WCIV) — A West Ashley pond needing to be cleaned after a nearby restaurant dumped oil into a storm drain is improving significantly, according to City of Charleston leaders.
“It was in very bad condition, but it is getting much, much more where we want to see it,” said Matt Fountain, Director of the Stormwater Management Department for the City of Charleston.
On Tuesday, the department met with the contractor hired by Rio Chico Mexican Restaurant for a status update.
“They’ve installed oil absorbent booms to make sure that they are not getting any additional spill that hasn’t been identified or there’s some other issue occurring, [and] replace the absorbing materials necessary,” Fountain said. “So, we’ll continue our inspection, probably on a weekly basis, to make sure all of that is happening.”
While the bulk of the work has already been handled, Fountain said a timeline of when normal conditions will return is a bit murky.
“The idea is to get the concentrations down to a low enough level so they are not causing any harm, and they can be handled by normal biodegradation. You just want the normal processes that would break down oil and the environment to do that,” he said.
The Carolina Wildlife Rehabilitation Center is now a temporary home to turtles and birds covered in thick layers of oil.
On Tuesday, more arrived.
“Ten turtles,” said Keenan Freitas, a staff rehabilitator with the center.
"Apparently, every time we get a transport in, they appear to be more and more oiled.”
Freitas said the facility is now caring for five birds and 45 turtles.
“Ideally, they go back into the pond, but we can’t do that,” he said. “They’re just going to be re-infected or contaminated. So that will be up to the state’s herpetologist where they want to put those turtles.”
When it comes to businesses putting anything in the storm drain that shouldn’t be there, city officials are offering a reminder:
“It’s always cheaper to do maintenance and do things correctly in the first place,” Fountain said. “Then they come back and try to hire a contractor and basically do emergency repair work. That’s a huge financial burden.”
The sites of three shuttered restaurants in Charleston could soon be serving diners again.In West Ashley, a Japanese restaurant that serves sushi, steak and seafood plans to open in a former Chinese diner while two Mexican-themed offerings are in the works for different sites on the peninsula....
The sites of three shuttered restaurants in Charleston could soon be serving diners again.
In West Ashley, a Japanese restaurant that serves sushi, steak and seafood plans to open in a former Chinese diner while two Mexican-themed offerings are in the works for different sites on the peninsula.
Konnichiwa is upfitting a space at 975 Savannah Highway in the Harris Teeter-anchored St. Andrews Center. The site previously was A1 China Super Buffet, which closed in June 2021.
The name Konnichiwa stems from the traditional Japanese greeting from midday to onset of evening, or a standard way to say “hello.”
The restaurant originated in its Charlotte location and has five more sites throughout South Carolina, including Greenville, Florence and Lexington. Two are in Spartanburg County in Moore and Boiling Springs.
Business partner Eka Lesmana said the West Ashley restaurant is aiming for a late October opening.
In downtown Charleston, Azul Meeting St. LLC recently applied for an alcohol license at 385 Meeting St. next to Charleston School of Law. The company is registered to Armando Navarro, who owns Azul Mexicano Restaurante near Park Circle in North Charleston. He could not be reached for comment on the proposed restaurant.
The site is the former location of Sol Southwest Kitchen & Tequila Bar. An opening time frame has not been announced.
And in downtown Charleston, a new Mexican-themed restaurant and tequila bar is in the works.
The Matador, with nine restaurants in the Seattle area as well as Idaho and Oregon, plans to open in the former Sticky Fingers site at 235 Meeting St., according to plans presented to the city of Charleston.
Plans show the front entry door shifted to the left, with a window replacing the existing entry to match current elements. Interior renovations are planned on the first two floors of the three-story building.
The restaurant chain, with its bull-horned logo, offers an array of Mexican dishes such as tacos, enchiladas and burritos and specializes in tequila with more than 150 offerings, all from Mexico. It also offers hand-crafted cocktails and a full menu of other items.
A restaurant representative did not immediately respond for comment on a projected opening timeframe.
Sticky Fingers closed the Meeting Street site in September 2020 during the height of the COVID-19 pandemic. It had operated downtown for more than two decades. Before that, the space at the southwest corner of Hasell Street housed Marianne, a popular French bistro that closed in 1995.
Work resumed over the past month or so on the inside of the new discount grocery store Lidl coming to North Charleston after interior upfitting had stopped earlier this summer.
The German-based grocer that runs its U.S. headquarters from Arlington, Va., recently posted a “Now Hiring” sign in front of the shop on an outparcel of the Ross Dress for Less-anchored Cedar Grove Shopping Center on Dorchester Road.
The company also recently applied for its state license to sell alcohol at the future store.
Lidl spokeswoman Chandler Spivey said the new North Charleston store is expected to open in the fall while the company hopes to have a better sense of timing at a later date for the store proposed for Bowman Place Shopping Center in Mount Pleasant.
A new dining venue is in the works for downtown Charleston. Applicant Michael Hebb is requesting a special exception from the city to allow a restaurant at 30 Pinckney St. with 198 square feet of inside patron space without providing two required off-street parking spaces. The Board of Zoning Appeals will consider the request Sept. 6.
Food Lion supermarket has added five stores in South Carolina to its growing list of locations that offer its “To Go” order online and pickup grocery service.
New locations include stores at Richland Avenue West in Aiken, S.C. Highway 81 North in Anderson, U.S. Highway 321 in Gaston, U.S. Highway 701 North in Loris and Jefferson Davis Highway in Warrenville. The grocer also offers the service at 55 other locations across the Palmetto State.
In the Charleston area, the service is offered at five of Food Lion’s 19 supermarkets. They include locations at Ashley Crossing in West Ashley, College Park Road in Ladson, Maybank Highway on Johns Island, North Street in Summerville and St. James Avenue in Goose Creek.
The service is free on the first pickup and delivery for an order of $35 or more. A pickup fee of $1.99 is charged on subsequent purchases over $35 and $3.99 for orders under $35.
A delivery fee of $3.99 is charged on orders over $35 and higher for orders less than that but at least $10. A delivery service fee of 5 percent of the order also is assessed, and it could be higher during peak times.
Ruke’s roadside fruit and vegetable stand in Mount Pleasant will change its days of operation after Labor Day.
The produce vendor at 378 Mathis Ferry Road will be open 10 a.m.-5 p.m. Thursday through Saturday from Sept. 8 until Dec. 31.
The roadside stand near Holy Trinity AME Church was previously open the same hours Monday through Saturday during the summer season.
Beach Cowboy Fitness is now open at 1200 Queensborough Blvd. in the Publix-anchored Queensborough Shopping Center in Mount Pleasant.
It offers home-school physical education classes and inclusive and adaptive fitness programs for special needs students.
It’s open 9 a.m.-5 p.m. weekdays and 9-11 a.m. Saturday as well as other times by appointment.
WEST ASHLEY, S.C. (WCSC) - Ukrainian Independence Day and six months after Russia first invaded Ukraine both fell on the same day this week, now community members are coming together to honor the country.Charleston residents who have family in Ukraine, are former citizens of the country or simply care about the conflict occurring, gathered at Euro Foods in West Ashley on Sunday. During the event, attendees reflected on Ukraine’s independence and the importance of not forgetting about the ongoing war.Maka Aptsiauri, Euro F...
WEST ASHLEY, S.C. (WCSC) - Ukrainian Independence Day and six months after Russia first invaded Ukraine both fell on the same day this week, now community members are coming together to honor the country.
Charleston residents who have family in Ukraine, are former citizens of the country or simply care about the conflict occurring, gathered at Euro Foods in West Ashley on Sunday. During the event, attendees reflected on Ukraine’s independence and the importance of not forgetting about the ongoing war.
Maka Aptsiauri, Euro Foods Owner, said she thought it was a great reason for everyone to gather together and show support to Ukraine during this difficult time.
“It’s definitely close to my heart,” Aptsiauri said. “First of all because my husband is from Ukraine and most of his family is still in Ukraine. Also, because I’m from the Republic of Georgia. My country was invaded by Russia in 2008. It was a five-day war, but it was still a lot of damage and a lot of death. I can really feel the pain of people who are in Ukraine right now.”
When the conflict first began between Russia and Ukraine in February, Euro Foods and a team of concerned individuals gathered to try to figure out how they could help. The organization, CHS4 Ukraine, focuses on the immediate needs of the Ukrainian people and putting medical supplies, technology and other essential needs items directly into the hands of those who need them the most, according to the organization’s website.
CHS4 Ukraine Treasurer, Kenneth Marolda, has visited Krakow twice, once in April and again in June, to help transport supplies from Charleston to refugees in Europe. He says the first time he visited, the situation was shocking.
“There’s a train station in Krakow that was being used as a refugee center by the city,” Marolda said. “I met with the city’s coordinator and there were just hundreds and hundreds of people who all have nothing. They are trying to book train tickets and everything else to get to their relatives and trying to find safe places to live, trying to find even something as basic as a shower or food.”
The organization works with aid groups inside the country to deliver relief packages. Marolda and the team at CHS4 Ukraine said the help from the community has been encouraging.
“We were in the airport once and this guy saw our shirts and he just came up to me $50; he said ‘I hadn’t heard of you guys before but I really like to help and this is what I have on me,’ Marolda recalled. “So, he just handed me a $50 bill and the donation was just wonderful. That type of energy and enthusiasm to help.”
The Euro Foods owners contacted artist, Amanda Williams, to create a mural at their business to commemorate the story of Ukraine’s strength.
She said the flag unraveling shows transition, the hands with the needle and thread symbolize rebuilding everything again, and the sunflower fields are indicative of peaceful times.
“It was very important to me because I think that we’ve all been affected by the horrors that are going on over there,” Williams said. “It’s touched the whole world and I just think that every single person, whether you have family over there or you’ve been watching the news or the media, we’ve all just felt the presence of this situation. I was honored when they reached out to me.”
Ukrainian Independence Day is held annually on Aug. 24.
Copyright 2022 WCSC. All rights reserved.
Greenville NewsHere are the South Carolina high school football scores from Week 1 of the SCHSL regular season. Check back for updates throughout the night.FridayAcademic Magnet 14, Military Magnet Academy 0Andrews 32, Georgetown 12Appling County, Ga. 42, Aiken 7Aynor def. Kingstree, forfeitBamberg-Ehrhardt 36, Denmark-Olar 20Baptist Hill 26, St. John's 8Battery Creek 39, Ridgeland-Hardeeville 28Beaufort Academy 34, Hilton Head Prep 22...
Here are the South Carolina high school football scores from Week 1 of the SCHSL regular season. Check back for updates throughout the night.
Academic Magnet 14, Military Magnet Academy 0
Andrews 32, Georgetown 12
Appling County, Ga. 42, Aiken 7
Aynor def. Kingstree, forfeit
Bamberg-Ehrhardt 36, Denmark-Olar 20
Baptist Hill 26, St. John's 8
Battery Creek 39, Ridgeland-Hardeeville 28
Beaufort Academy 34, Hilton Head Prep 22
Belton-Honea Path 19, Westside 17
Ben Lippen 34, Heathwood Hall 6
Bethesda Academy, Ga. 40, John Paul II 24
Blythewood 43, Richland Northeast 7
Brookland-Cayce 31, Airport 20
Broome 54, Chesnee 28
Buford 35, McBee 8
Camden 53, Lugoff-Elgin 7
Cane Bay 30, Ashley Ridge 20
Carolina High and Academy 22, Dillon Christian 14
Catawba Ridge 16, Charlotte Myers Park, N.C. 0
Central 63, Carolina Academy 0
Central 63, Carolina Pride, N.C. 0
Chapin 45, Mid-Carolina 0
Charleston Collegiate 42, Cathedral Academy 7
Charlotte Christian, N.C. 52, Southside Christian 28
Chester 22, Fort Mill 17
Christ Church Episcopal 41, Southside 14
Clarendon Hall Academy 43, Andrew Jackson Academy 16
Claxton, Ga. 29, Hilton Head Island 18
Clinton 55, Laurens 28
Colleton Prep 42, Northwood Academy 12
Crescent 34, Dixie 10
Crestwood 37, Gray Collegiate Academy 28
Cross 44, Hemingway 0
D.W. Daniel 55, Easley 7
Dillon 41, Lamar 0
Dorchester Academy 22, Orangeburg Prep 20
Dorman 42, North Augusta 28
Dutch Fork 27, Spartanburg 25
Edisto 12, Williston-Elko 6
Estill 24, C.A. Johnson 8
Fairfield Central 41, Andrew Jackson 21
First Baptist 23, Bishop England 10
Fort Dorchester 21, Beaufort 6
Gilbert 49, Batesburg-Leesville 14
Hammond 49, Florence Christian 0
Hampton 48, Allendale-Fairfax 0
Hanahan 22, Berkeley 17
Hannah-Pamplico 26, North Central 20
Hartsville 68, Darlington 0
Hillcrest 62, Greer 14
Hunter-Kinard-Tyler 22, Eau Claire 12
Indian Land 28, Timberland 0
Irmo 27, Lancaster 20
J.L. Mann 14, Riverside 7
James F. Byrnes 54, Chapman 7
James Island 52, R.B. Stall 0
Jefferson, Ga. 56, Wren 28
Jenkins, Ga. 24, Bluffton 21
Lake Marion 28, Calhoun County 22
Lakewood 30, Fox Creek 0
Landrum 34, Berea 3
Latta 31, East Clarendon 0
Laurence Manning Academy 32, Pinewood Prep 14
Lee Central 28, Great Falls 8
Lewisville 50, Wagener-Salley 24
Lexington 63, South Aiken 56
Lincoln County, Ga. 27, McCormick 6
Loris 15, North Myrtle Beach 7
Lower Richland 35, Westwood 8
Lucy G. Beckham 8, Wando 6
Marlboro County 40, Cheraw 12
Mauldin 20, Boiling Springs 7
Midland Valley 29, Strom Thurmond 23
Ninety Six 53, Ware Shoals 0
Northside Christian 28, Greenwood Christian 12
Northwestern 32, Clover 21
Orangeburg-Wilkinson 20, W.J. Keenan 8
Patrick Henry Academy 6, St. John's Christian Academy 0
Pee Dee Academy 48, Cardinal Newman 42
Pelion 15, Columbia 12
Pendleton 34, Eastside 8
Powdersville 51, Abbeville 44
River Bluff 52, Swansea 0
Robert E. Lee Academy 35, Thomas Sumter Academy 7
Saluda 34, Ridge Spring-Monetta 7
Sandy Creek, Ga. 46, Greenwood 21
Seneca 50, Palmetto 14
Socastee 21, Silver Bluff 0
South Florence 29, Oceanside Collegiate Academy 28
St. James 37, Philip Simmons 30
St. Joseph 35, Blacksburg 7
Summerville 38, Carolina Forest 7
Sumter 15, Ridge View 14
T.L. Hanna 36, Greenville 29
W. Wyman King Academy 38, Francis Hugh Wardlaw Academy 16
Waccamaw 33, Carvers Bay 18
Wade Hampton (G) 49, Travelers Rest 28
West Ashley 7, May River 3
West Florence 32, Lake City 7
Whale Branch 19, North Charleston 8
White Knoll 36, Spring Valley 9
Whitmire 41, Spartanburg Christian 24
Williamsburg Academy 47, Palmetto Christian Academy 0
Wilson 56, Marion 36
Wilson Hall 28, Hilton Head Christian Academy 7
Woodruff 31, Fountain Inn 0
POSTPONEMENTS AND CANCELLATIONS
Union County vs. Gaffney, ccd.
NORTH CHARLESTON, S.C. (WCSC) - The South Carolina Department of Transportation hosted an event Saturday to review the I-526 Lowcountry Corridor WEST project. Officials from SCDOT answered questions and concerns from community members that the project may be affecting.The segment of I-526 between I-26 and Virginia Avenue is the most congested segment of interstate highway in the state. It links downtown Charleston, Summerville, West Ashley and Mount Pleasant, according to the ...
NORTH CHARLESTON, S.C. (WCSC) - The South Carolina Department of Transportation hosted an event Saturday to review the I-526 Lowcountry Corridor WEST project. Officials from SCDOT answered questions and concerns from community members that the project may be affecting.
The segment of I-526 between I-26 and Virginia Avenue is the most congested segment of interstate highway in the state. It links downtown Charleston, Summerville, West Ashley and Mount Pleasant, according to the project’s website.
Although the plan will reduce traffic, 100 residents will have to relocate for the changes to be made. When Margaret Grubb’s told her mother that she would have to relocate, she could not even imagine moving away from her house of almost 70 years.
“She doesn’t handle it at all,” Margaret said. “She avoids the topic. She walks away. She’s very upset and she says, ‘maybe I should just live under a bridge.’ That’s how she feels. She feels like that absolutely no one cares because she was forgotten.”
Both Margaret and her husband, Ronald Grubb, understand why the project needs to happen. For Grubb’s mother, she said it would be a traumatic move, and moving at her old age would be detrimental to her health.
“I was born in that house,” Margaret said. “I just can’t imagine not driving down that road and seeing that house. I don’t want to think about it because I’m trying to be strong for my mother, but it’s very hard for me to be strong. My dad put all his heart and soul into that property. I mean, he planted the flowers. He planted the grass, the trees, he did everything in that property to make it special for our family.”
Joy Riley, SCDOT Project director, said construction will not get started until all residents have been relocated to replacement housing they are planning on building. The meeting at Ferndale Community Center involved SCDOT officials updating the community mitigation plan and speaking with the community directly about their concerns.
“Just like the input that they gave us last year really drove some of the additional mitigation items that were added this year,” Riley said. “Input is extremely important. Community mitigation is about creating a benefit for that specific community. And really, it’s really the community members that drive that process. We need them to tell us what is going to create a benefit in their community.”
The I-526 Lowcountry Corridor WEST project spans approximately 9.7 miles between Paul Cantrell Boulevard in West Ashley and Virginia Avenue in North Charleston.
Copyright 2022 WCSC. All rights reserved.