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.
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.

Call or Text
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.

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