Mortgage Broker in James Island, SC

At Classic Home Mortgage, we understand that purchasing a home is one of the most important decisions you’ll ever make. With over 30 years of experience as a mortgage broker in James Island, Dan Crance is dedicated to helping you navigate the complex and sometimes overwhelming home loan process. Whether you’re a first-time homebuyer or refinancing your current property, Dan is here to provide clear, trustworthy guidance every step of the way. We strive to make the process stress-free and to keep you informed and confident every step of the way with a clear roadmap to help you achieve your homeownership goals.

Why Choose Dan Crance as your mortgage man?

Over 30 Years Experience

With decades of experience, Dan brings unmatched knowledge to help you find the best mortgage option that suits your unique situation.

Personalized Service

Unlike other lenders, Dan takes the time to listen, educate, and guide you through your mortgage options. Whether it’s your first home or a refinancing, he ensures you feel confident in your decision.

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Timely Closings

We work efficiently and diligently to ensure that your loan closes on time, with many loans closing in 30 days or less.

 

Competitive Rates

Competitive mortgage rates to ensure you get the best deal possible, saving you money in the long run.

Local expertise

Dan proudly serves the James Island, SC community with a local office, making it easy for you to meet and discuss your mortgage needs in person.

Trusted Relationships

Dan doesn’t just work for you – he works for both you and your real estate agent, ensuring communication and updates are consistent, and every step of the process is smooth and transparent.

Home Financing in James Island, SC

Home Purchase Loans

Explore a variety of loan options tailored for first-time buyers, vacation homes, and investment properties.

Refinancing Solutions

Take advantage of lower interest rates and flexible terms to reduce monthly payments or access home equity.

Specialized Loan Programs

Offering FHA, VA, and USDA loans to meet the unique needs of different buyers, including veterans and rural area purchasers.

VA Loans – Exclusively for military veterans and active-duty service members, often requiring no down payment and no mortgage insurance.

FHA Loans – Perfect for buyers with smaller down payments, FHA loans allow you to buy with less than 4% down.

USDA Loans – Provide rural homebuyers with affordable financing, featuring low rates and no down payment.

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Personalized Guidance

Tailored Mortgage Solutions

At Classic Home Mortgage, our team is dedicated to ensuring a smooth, on-time closing with no stress or hassle. Whether you’re an experienced homeowner or purchasing a new home in James Island, we understand the challenges that come with it. Our goal is to ease that burden by guiding you through every step of the home loan process. Recognizing that each client is unique, we approach every loan with fresh eyes and a customized strategy to find the best options and programs for you. With over 30 years of experience as a mortgage broker in James Island, Dan Crance will help you select the right home loan, interest rate, term options, and payment plan tailored to your specific needs.

Refinancing in James Island, SC

Discover how refinancing can enhance your financial situation with better rates and terms. Tap into your home’s equity for home improvements, debt consolidation, or other needs. Moving from a 30-year to a 15-year loan could save you thousands over the life of your mortgage. If you currently have mortgage insurance, refinancing could remove that cost if you have enough equity in your home. It all begins with a call to your mortgage broker in James Island, SC – Dan Crance.

Lower Interest Rates

Cash-Out Refinancing

Shorten Your Loan Term

Eliminate PMI

Steps to Get Started

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Prequalification

Contact Dan to get pre-approved for your loan. We’ll look at your finances, help you understand your options, and find a loan that fits your goals.

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Choose Your Loan

With guidance from Dan, choose the loan that fits your financial situation and future plans.

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Close on your home

Once your loan is approved, we’ll work with you to ensure a smooth, on-time closing.

Frequently Asked Questions

When Should I Refinance My Home?

Consider refinancing when mortgage rates are at least 1-2% lower than your current rate. Dan can help you assess the potential savings based on your specific situation.

What Are Points on a Loan?

Points are upfront fees that can lower your interest rate. One point equals 1% of your loan amount. Paying points may make sense if you plan to stay in your home for several years.

Do I Need Private Mortgage Insurance (PMI)?

PMI is typically required if your down payment is less than 20%. Dan can help you explore ways to avoid PMI or reduce its cost.

Contact Dan Crance in James Island 

If you’re ready to take the next step in your home buying journey or want to learn more about refinancing, contact Dan Crance at Classic Home Mortgage. Dan’s expertise, commitment, and personalized service will help you feel confident and comfortable throughout the entire mortgage process.

Call Dan Crance today at (843) 478-5612 to get pre-approved and begin your path to homeownership with a trusted mortgage lender in James Island.

Refinance Calculator

How much home can I afford?

How much income do I need to qualify?

What Our Clients Are Saying

Dan was fantastic in every step of the mortgage process. He was always responsive and happy to answer any questions we had, and made the entire process of securing a mortgage as painless as it could possibly be.

– Andrew Pierson

Dan has vast experience. He is able and willing to take the time to explain complicated processes and language in a way that is easy to understand. He worked diligently with us and the lenders to get us into our home seamlessly. He truly wants what’s best for his clients. Highly recommend.

– Colton

As first time home buyers, Dan was extremely helpful throughout the process. He was available anytime we had questions, through text, call or email. If he was busy, he would let us know that he would get back to us ASAP, and he did. He made it to our closing, even though it was not necessary and provided great information that we didn't even know we needed. We were referred to Dan through our realtor and we were very happy to have that introduction!

– Aaron Stupica

I have worked with Dan for three years now, and we just closed on our first home. Dan has done much more than handle our mortgage process, he helped us understand how the entire home buying process works, how credit works, and what goes into qualifying for a mortgage. He even recommended a company to help fix my husband's credit! Every other lender I spoke to before finding Dan told me to just run everything off my credit alone, when he heard that he scoffed and got to work getting us both where we needed to be. He's extremely responsive over text and email and calls, he's very informative, and his office ladies Serena and Donna are very thorough as well!

I would recommend anyone who, like me, didn't get any form of education on credit, mortgages etc growing up-- go to Dan to help you buy your home!!

– Rose Greist

2024 update...Dan helped me refinance my home and I am very happy with the lower rate and monthly mortgage payment. Go see Dan!

Update from my original review from 2020....still 5 stars! Dan is the man! He helped me with my second home purchase, and the process was just as smooth as my first. I will continue to recommend him to everyone!

I’ve known Dan for a long time, and I’m very happy that I chose him to help me finance my mortgage on my first home. He was very honest up front on how much I’d be spending throughout the whole process, and was able to explain anything I didn’t understand very simply. He and his team helped make buying my first home a great experience. Highly recommended!!

– Stephen Lowe

After having my mortgage get derailed by an online lender out of California who has they name on a stadium near LA, not mentioning any names, Dan and his crew got things back on track quickly and almost made the original closing date even though the other company wasted over 2 weeks of our contract time. The online lenders appraiser came back 100k, yes 100k short of the contract price on a 342,000 deal. Dan's team used a local appraiser and the deal closed smoothly.

– Bernie H. Hester III