South Carol!a
Buyer Agency Handbook
About Us Who We’re the people you want at your side. Friends at heart. Professionals in practice and mind. We train our agents to be the best. Then we back them up with a world-class team. Every agent of ours must meet a certain experience level and criteria to join us. LO CATI O N S
2330 Randolph Road Charlotte, NC 28207 dickensmitchener.com 704.342.1000
Where &KDUORWWH 7KH 4XHHQ &LW\ 2XU ȌUVW ORYH Our home. As agents, we know this city’s neighborhoods like our closest circle of friends. We tend to this relationship as much as we do our connections to you. Place matters. Knowledge counts. How Agents who help more people end up better at their jobs. It’s like going to the gym — the more you go, the better your results. This is why we only have full-time, fully committed agents. We train them constantly on the changing market, new tech, negotiation strategies and people skills. We get to work with top-of-the-line agents. You get what you want, wrapped in the best possible experience.
hello neighbor! About Me •
Originally from Augusta, Georgia, Ruth quickly fell in love with Charlotte after her first visit in 1993 and has since called the Queen City home.
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After earning her degree in marketing, Ruth moved to Charlotte to pursue a career as a buyer and store development coordinator at Cato Corp. and Belk.
Ruth Mays Russell R E A LT O R ®/ B R O K E R
704-609-4846 ruth@dickensmitchener.com
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She later turned her focus on raising her two children, serving on the St. Patrick’s Elementary School PTO board, and working as an assistant kindergarten teacher for four years.
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She has owned real estate in both Chantilly and Governors Square.
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Ruth provides each of her buyers and sellers with unmatchable customer service and attention to detail to ensure a smooth transaction.
Milestones & Memberships •
Canopy Multiple Listing Services
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Canopy REALTOR® Association
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National Association of REALTORS®
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North Carolina Association of
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In her free time, she enjoys spending time with her two children, playing tennis, watching sports and gardening.
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She was named a Real Estate Rising Star in 2018 by Charlotte Magazine.
REALTORS®
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Realtors Care Day Volunteer.
South Carolina Association of
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Dickens Mitchener Consistent Top Producer.
REALTORS® •
2024-2025 Agent Advisory Council
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2023 Dickens Mitchener Top Producer
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Fun Facts
2018 Charlotte Observer Rising Star
THE IMPORTANCE OF BUYER REPRESENTATION YOUR HOME BUYING ADVOCATE AND TRUSTED ADVISOR Having representation from a Buyer’s Agent is the only way that you can be confident that you have someone looking out for your best interests and allowing you to make informed real estate decisions. ALIGNMENT WITH A PROFESSIONAL Our high quality reputation is backed by its membership in Leading Real Estate Companies of the World® an invitation only global community in over 70 countries. Membership is awarded to firms based on rigorous standards for service and performance.
UNPARALLELED MARKET KNOWLEDGE Our brokerage is rooted in the communities we serve. We possess deep local knowledge, an understanding of local housing regulations and trends to help you make smarter, informed decisions. We bring an authentic “Main Street” perspective to real estate that many of our competitors cannot claim.
NEGOTIATION WITH MARKET EXPERTISE Understanding your goals, desires and concerns Is fundamental to skillful negotiation, coupled with strong market knowledge and financial acumen. Your Buyer’s Agent will work on your behalf and negotiate the best possible price and terms for your home purchase.
SERVICES TAILORED TO YOUR NEEDS Our services are distinctive, extensive, and personalized for you, as our longstanding reputation was built on consistently delivering high performance to every client. Our strong local culture is well-aligned with your market-specific needs.
A STREAMLINED PROCESS Your Buyer’s Agent will simplify the process and guide you through the necessary steps making the most efficient use of your time. From your home search and negotiation to contract and closing. These are just some of the steps where your Buyer’s Agent will facilitate.
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© 2023 Leading Real Estate Companies of the World. All Rights Reserved. N-Buyer Representation. 11.23
! Market Analysis ! Lender Pre-Approval ! Offer ! Negotiation ! Contract Review and Approval ! Purchase Agreement Finalized ! Home Loan Approval
! Inspection/Due Diligence ! Apply for Home Insurance ! Title Exam ! Loan Approval ! Prepare Finances and Documents for Closing
The Process
Love it.
THE PROCESS
The Home Buying Process Step 1
Meet With A Real Estate Salesperson Discuss the type of home you’re looking for, including style, price and location. The Real Estate Salesperson will review the SC Disclosure of Real Estate Brokerage Relationship and the Exclusive Right to Buy Buyer Agency Agreement with you. You will be asked to sign these agreements to hire RXU ȌUP WR UHSUHVHQW \RX
Step 2
Get Pre-Approved <RX ZLOO QHHG SD\ VWXEV : V DQG EDQN VWDWHPHQWV .QRZLQJ ZKDW \RX FDQ DȊRUG LV FULWLFDO WR D VXFFHVIXO KRPH buying experience.
Step 3
Search For Homes 7KH IXQ SDUW <RXU DJHQW ZLOO VFKHGXOH VKRZLQJV DQG KHOS \RX ȌQG WKH SHUIHFW KRPH A DVA N C E D S E A RC H : not all real estate websites are the same. Your real estate professional has tools and systems to ensure you see every available home that meets your criteria.
Step 4
0DNH $Q 2ȊHU <RXU DJHQW ZLOO SUHSDUH WKH RȊHU EDVHG RQ WKH SULFH DQG WHUPV \RX FKRRVH $W WKLV WLPH ZH ZLOO GHWHUPLQH ZKR LV paying the buyer agency fee: you the Buyer, the Seller, or a combination of the two.
Step 5
Negotiating & Contract <RXU DJHQW ZLOO RȊHU DGYLFH RQ EHVW VWUDWHJLHV DQG QHJRWLDWH
Step 6
Under Contract You and the seller have agreed to the price and terms.
Step 7
Due Diligence You will hire an attorney and inspector. You will order a survey and appraisal.
Step 8
Preparing For Closing <RX ZLOO EH ȌQDOL]LQJ \RXU ORDQ UHYLHZLQJ GRFXPHQWV DQG VHFXULQJ \RXU KRPHRZQHUV LQVXUDQFH SROLF\
Step 9
Closing The transfer of funds and ownership. An attorney typically acts as an independent third party to facilitate the C LO S I N G .
Step 10
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THE PROCESS
Options of Buyer Agent Compensation
Options of Buyer Agent Compensation OPTION 1
OPTION 2
OPTION 3
Buyer pays the total amount agreed upon in paragraph 5 of SCR Form 130, (Exclusive Right to Buy, Buyer Agency Form).
Listing Brokerage pays Buyers Broker compensation as negotiated through SCR Form 120 (Compensation Agreement).
Buyer brokerage compensation is paid through a combination of negotiated compensation on SCR Form 120 (Compensation Agreement) and the remaining amount in paragraph 5 of SCR Form 130(Exclusive Right to Buy, Buyer Agency Form) is paid for by the buyer.
SCR130
SCR120 SCR120
SCR130
There are multiple ways for a buyer side brokerage (e.g., buyer agency brokerage, buyer side transaction brokerage) to properly pay and or receive compensation. Here are a few:
THE PROCESS
Applying For A Loan Lenders require that you complete several forms for your home loan application. Some of the forms need to EH HQWLUHO\ ȌOOHG RXW VLJQHG DQG GDWHG 2WKHUV RQO\ QHHG WR EH VLJQHG DQG GDWHG LQ FHUWDLQ VHFWLRQV Below is a list of items that your lender will need from you.
Photo I.D.
Employment history for the past 2 years
Bank statements for the past 2 months
W2’s/1099 for the past 2 years
Pay stubs for past 30 days
Past two years’ federal tax returns
Address history for the past 2 years
Signed copy of RȊHU WR SXUFKDVH FRQWUDFW
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Gift letter ,I \RX DUH KDYLQJ VRPHRQH help you with the down payment)
Divorce decree (if applicable)
Year-to-date SURȌW DQG ORVV VWDWHPHQW and balance sheet (if self-employed)
Complete bankruptcy documents (if you have declared bankruptcy in the last 10 years)
List of any other properties owned
THE PROCESS
Under Contract Timeline CONTR ACT DATE
Financing
Due Diligence This is your opportunity to conduct inspections on the property.
Buyer’s Right To Terminate You may terminate your contract during this period LI \RX DUHQŲW VDWLVȌHG ZLWK WKH LQVSHFWLRQ ȌQGLQJV ,I you terminate, you will be obligated to pay the seller the termination fee agreed to in the contract.
Apprasial
Termite/CL - 100
Due Diligence Ends After your due diligence ends, you may have several days or weeks before closing (depending on the terms of your contract).
C LOS I NG DATE
THE PROCESS
Under Contract Guide ,Q RUGHU WR SURYLGH \RX ZLWK WKH YHU\ EHVW VHUYLFH WKH IROORZLQJ LV D JXLGH WR OHW \RX NQRZ ZKDW WR H[SHFW DV we move toward closing. ON C E CONTR ACT IS SIGNED & D E LIVE R E D TO YOU
Immediately proceed with your loan process & inform me of the lender you’ve chosen 6HW ȌOH XS IRU FORVLQJ ZLWK DQ $WWRUQH\ Perform inspections & specialized evaluations Negotiate repairs with Seller Attorney to perform title search & order a property survey Lender to order appraisal and other HOA documents Review any restrictive covenants, bylaws if applicable Obtain homeowners insurance &RQȌUP \RXU GHVLUH WR PRYH IRUZDUG ZLWK WKH FRQWUDFW
Ǽ :( ( .6 B E FOR E C LOS I N G
Arrange for utilities to be connected or transferred for the day of closing (see Convenience List) Schedule re-inspection of repair items and obtain proof complete Determine if you prefer re-inspections or a walk-through and we can schedule those 6FKHGXOH ȌQDO ZDON WKURXJK RQ WKH GD\ EHIRUH FORVLQJ &RQȌUP GD\ DQG WLPH NH\V ZLOO EH UHOHDVHG WR \RX Schedule movers & deliveries Schedule appointment to wire funds to Attorney for closing DAY OF C LOS I N G OR DAY B E FOR E C LOS I NG
3HUIRUP D ȌQDO ZDON WKURXJK RI \RXU QHZ KRPH Receive and review your Closing Disclosure statement Wire funds to Attorney All Buyers must bring drivers license to close
AF TE R C LOS I NG
Welcome Home!
THE PROCESS
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SOUTH CAROLINA DISCLOSURE OF REAL ESTATE BROKERAGE RELATIONSHIP Pursuant to South Carolina Real Estate License Law in S.C. Code of Laws Section 40-57-370, a real estate licensee is required to provide you a meaningful explanation of agency relationships offered by the licensee’s brokerage firm. This must be done at the first practical opportunity when you and the licensee have substantive contact. Before you begin to work with a real estate licensee, including being shown a home (or any property), it is important for you to know the difference between a broker-in-charge and associated licensees. The broker-in- charge is the person in charge of a real estate brokerage firm. Associated licensees may work only through a broker-in-charge. In other words, when you choose to work with any real estate licensee, your business relationship is legally with the brokerage firm and not with the associated licensee. A real estate brokerage firm and its associated licensees can provide buyers and sellers valuable real estate services, whether in the form of basic customer services, or through client-level agency representation. The services you can expect will depend upon the legal relationship you establish with the brokerage firm. It is important for you to discuss the following information with the real estate licensee and agree on whether in your business relationship you will be a customer or a client. You Are a Customer of the Brokerage Firm South Carolina license law defines customers as buyers or sellers who choose NOT to establish an agency relationship. The law requires real estate licensees to perform the following basic duties when dealing with any real estate buyer or seller as customers: present all offers in a timely manner, account for money or other property received on your behalf, provide an explanation of the scope of services to be provided, be fair and honest and provide accurate information, provide limited confidentiality, and disclose “material adverse facts” about the property or the transaction which are within the licensee’s knowledge. Unless or until you enter into a written agreement with the brokerage firm for agency representation, you are considered a “customer” of the brokerage firm, and the brokerage firm will not act as your agent. As a customer, you should not expect the brokerage firm or its licensees to promote your best interest. Customer service does not require a written agreement; therefore, you are not committed to the brokerage firm in any way unless a transaction broker agreement or compensation agreement obligates you otherwise.
Disclosure of Real Estate Brokerage (Rev. 12/18/2024)
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Transaction Brokerage A real estate brokerage firm may offer transaction brokerage in accordance with S.C. Code of Laws Section 40- 57-350. Transaction broker means a real estate brokerage firm that provides customer service to a buyer, a seller, or both in a real estate transaction. A transaction broker may be a single agent of a party in a transaction giving the other party customer service. A transaction broker also may facilitate a transaction without representing either party. The duties of a brokerage firm offering transaction brokerage relationship to a customer can be found in S.C. Code of Laws Section 40-57-350(L)(2). You Can Become a Client of the Brokerage Firm Clients receive more services than customers. If client status is offered by the real estate brokerage firm, you can become a client by entering into a written agency agreement requiring the brokerage firm and its associated licensees to act as an agent on your behalf and promote your best interests. If you choose to become a client, you will be asked to confirm in your written representation agreement that you received this agency relationships disclosure document in a timely manner. A seller becomes a client of a real estate brokerage firm by signing a formal listing agreement with the brokerage firm. For a seller to become a client, this agreement must be in writing and must clearly establish the terms of the agreement and the obligations of both the seller and the brokerage firm which becomes the agent for the seller. A buyer becomes a client of a real estate brokerage firm by signing a formal buyer agency agreement with the brokerage firm. For a buyer to become a client, this agreement must be in writing and must clearly establish the terms of the agreement and the obligations of both the buyer and the brokerage firm which becomes the agent for the buyer. If you enter into a written agency agreement, as a client, the real estate brokerage has the following clientlevel duties: obedience, loyalty, disclosure, confidentiality, accounting, and reasonable skill and care. Client-level services also include advice, counsel and assistance in negotiations. Single Agency When the brokerage firm represents only one client in the same transaction (the seller or the buyer), it is called single agency. Dual Agency Dual agency exists when the real estate brokerage firm has two clients in one transaction – a seller client and a buyer client. At the time you sign an agency agreement, you may be asked to acknowledge whether you would consider giving written consent allowing the brokerage firm to represent both you and the other client in a disclosed dual agency relationship. Disclosed Dual Agency In a disclosed dual agency, the brokerage firm’s representation duties are limited because the buyer and seller have recognized conflicts of interest. Both clients’ interests are represented by the brokerage firm. As a disclosed dual agent, the brokerage firm and its associated licensees cannot advocate on behalf of one client over the other, and cannot disclose confidential client information concerning the price negotiations, terms, or factors motivating the buyer/client to buy or the seller/client to sell. Each Dual Agency Agreement contains the names of both the seller client(s) and the buyer client(s) and identifies the property. Disclosure of Real Estate Brokerage (Rev. 12/18/2024)
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Designated Agency In designated agency, a broker-in-charge may designate individual associated licensees to act solely on behalf of each client. Designated agents are not limited by the brokerage firm’s agency relationship with the other client, but instead have a duty to promote the best interest of their clients, including negotiating a price. The broker-in- charge remains a disclosed dual agent for both clients, and ensures the assigned agents fulfill their duties to their respective clients. At the time you sign an agency agreement, you may be asked to acknowledge whether you would consider giving written consent allowing the brokerage firm to designate a representative for you and one for the other client in a designated agency. Each Designated Agency Agreement contains the names of both the seller client(s) and the buyer client(s) and identifies the property. It’s Your Choice As a real estate consumer in South Carolina, it is your choice as to the type and nature of services you receive. • You can choose to remain a customer and represent yourself, with or without a transaction broker agreement. • You can choose to hire the brokerage firm for representation through a written agency agreement. • If represented by the brokerage firm, you can decide whether to go forward under the shared services of dual agency or designated agency or to remain in single agency. If you plan to become a client of a brokerage firm, the licensee will explain the agreement to you fully and answer questions you may have about the agreement. Until you enter into a representation agreement with the brokerage firm, you are considered a customer and the brokerage firm cannot be your advocate, cannot advise you on price or terms, and only provides limited confidentiality unless a transaction broker agreement obligates the brokerage firm otherwise. By signing this disclosure, you do not agree to pay a commission or any other compensation to a brokerage firm. The brokerage firm will not receive compensation from any source for showing homes or property to you as a customer without a separate written agreement. The amount, rate, and source of any compensation paid to a brokerage firm will be contained in a separate written agreement. The brokerage firm may not receive compensation from any source that exceeds the amount or rate agreed to in their agreement with a buyer or seller, except with full knowledge and written consent to all parties. Commissions are fully negotiable and not set by law. The choice of service belongs to you -- the South Carolina Consumer. Acknowledgement of Receipt: Signature:
Date:
Signature:
Date:
Brokerage Firm Name:
Signature: Disclosure of Real Estate Brokerage (Rev. 12/18/2024)
Date:
This form has been approved by the South Carolina Real Estate Commission for use in explaining representation and compensation in real estate transactions and consumer rights as a buyer or seller. Reprinting without permission is permitted provided no changes or modifications are made.
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Resources
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RESOURCES
Homebuyer’s Glossary Appraisal: $ ZULWWHQ DQDO\VLV RI WKH HVWLPDWHG YDOXH RI D SURSHUW\ SUHSDUHG E\ D TXDOLȌHG $SSUDLVHU Buyer Agent: $JHQW ZKR DFWV VROHO\ RQ WKH %X\HUŲV EHKDOI 7KH $JHQW KDV IXOO IXGLFLDU\ UHVSRQVLELOLWLHV ZKLFK LQFOXGHV UHDVRQDEOH FDUH LQGLYLGXDO OR\DOW\ FRQȌGHQWLDOLW\ DQG IXOO GLVFORVXUH 7KLV PHDQV WKH $JHQW SODFHV WKH %X\HUŲV LQWHUHVW DERYH DOO HOVH Buyer Agency Fee: 7KLV LV FRPSHQVDWLRQ WR RXU ȌUP IRU VHUYLFHV RXWOLQHG LQ WKH ([FOXVLYH %X\HU $JHQF\ $JUHHPHQW Private Mortgage Insurance: )HHV GLȊHU GHSHQGLQJ RQ SHUFHQWDJH RI GRZQ SD\PHQW 5HTXLUHG WR RȊVHW IRUHFORVXUHV RQ ORDQV ZLWK OHVV WKDQ GRZQ Closing: $ PHHWLQJ DW ZKLFK D VDOH RI D SURSHUW\ LV ȌQDOL]HG E\ WKH %X\HU VLJQLQJ WKH PRUWJDJH GRFXPHQWV SD\LQJ FORVLQJ FRVW DQG WUDQVIHU RI WKH GHHG WR WKH SURSHUW\ Closing Disclosure: $ GHWDLOHG FDVK DFFRXQWLQJ RI D UHDO HVWDWH WUDQVDFWLRQ VKRZLQJ DOO FDVK UHFHLYHG DOO FKDUJHV DQG FUHGLWV PDGH DQG DOO FDVK SDLG RXW LQ WKH WUDQVDFWLRQ Competitive Market Analysis (CMA): $ FRPSDULVRQ RI WKH SULFHV RI UHFHQWO\ VROG KRPHV WKDW DUH VLPLODU WR WKH KRPH OLVWHG LQ WHUPV RI ORFDWLRQ VW\OH DQG DPHQLWLHV Contingency: $ SURYLVLRQ LQ D FRQWUDFW WKDW UHTXLUHV D FHUWDLQ DFW WR EH GRQH RU D FHUWDLQ HYHQW WR RFFXU EHIRUH WKH FRQWUDFW EHFRPHV ELQGLQJ &RXQWHURȊHU $ QHZ RȊHU PDGH LQ UHVSRQVH WR DQ RȊHU UHFHLYHG ,W KDV WKH HȊHFW RI UHMHFWLQJ WKH RULJLQDO RȊHU ZKLFK FDQQRW EH DFFHSWHG WKHUHDIWHU XQOHVV UHYLYHG E\ WKH RȊHURU Deed: $ GRFXPHQW ZKLFK ZKHQ SURSHUO\ H[HFXWHG FRQYH\V WLWOH RI UHDO SURSHUW\ Deed of trust: $Q LQVWUXPHQW XVHG WR FUHDWH D PRUWJDJH OLHQ E\ ZKLFK WKH %RUURZHU FRQYH\V WLWOH WR D 7UXVWHH ZKR KROG LW DV VHFXULW\ IRU WKH EHQHȌW RI WKH QRWH KROGHU WKH /HQGHU Disclosure: %\ ODZ D 6HOOHU RI UHDO SURSHUW\ PXVW GLVFORVH IDFWV WKDW DȊHFW WKH YDOXH RU GHVLUDELOLW\ RI WKH SURSHUW\ 8QOHVV H[HPSW WKH 6HOOHU FRPSOHWHV DQG VLJQV VSHFLȌF GLVFORVXUH IRUPV LQFOXGLQJ WKH 5HVLGHQWLDO 3URSHUW\ 'LVFORVXUH 6WDWHPHQW WR GLVFORVH WKRVH PDWHULDO IDFWV Due Diligence: 7KH GXH GLOLJHQFH SHULRG LQ D KRPH SXUFKDVH FRQWUDFW LV WKH WLPH GXULQJ ZKLFK WKH %X\HU FRQGXFWV DQ\ DQG DOO LQVSHFWLRQV RI WKH KRPH WKDW VKH KH FKRRVHV Due Diligence Fee: 7KLV LV D QRQ UHIXQGDEOH IHH GLUHFWO\ WR WKH 6HOOHU LQ RUGHU WR KDYH WLPH WR LQVSHFW DSSUDLVH DQG GR WKHLU GXH GLOLJHQFH LQ GHWHUPLQLQJ LI WKH\ ZLOO FORVH RQ WKH KRPH Earnest Money Deposit: $ GHSRVLW PDGH E\ WKH SRWHQWLDO %X\HU WR VKRZ WKDW KH VKH LV VHULRXV DERXW EX\LQJ WKH KRXVH
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RESOURCES
Homebuyer’s Glossary Foreclosure: The legal process by which a Mortgage Lender (Mortgagee) or other lien holder obtains a termination of a Mortgage Borrower (Mortgagor’s) equitable right of redemption, either by court order or by operation of law (after following D VSHFLȌF VWDWXWRU\ SURFHGXUH Home Inspection: A thorough inspection that evaluates the structural and mechanical condition of a property. Homeowners Association (HOA): An organized group of homeowners whose members help to regulate and enforce the rules and standards of their respective communities. HVAC: An acronym for heating, ventilation and air-conditioning. Loan-to-Value Ratio: The relationship between the amount of the mortgage loan and the value of the real estate being pledged as collateral. Listing Agent: The person(s) who represents the Seller in the real estate Market Value: The most probable price property will bring in an open market under normal conditions. Multiple Listing Service (MLS): A marketing organization composed of member Brokers who agree to share their listing agreements with one another in the hope of producing ready, willing and able Buyers for their properties more quickly than they could on their own. Radon: A naturally occurring inert and radioactive gas formed by the decaying chair of uranium in the earth. It is an odorless, colorless gas and hence, undetectable to the human sense. The particular hazardous chemical can only be detected by correct testing by a professional. Realtor®: A person who acts as an agent for the sale and purchase of buildings and land; a real estate agent. Recording: 7KH DFW RI HQWHULQJ RU UHFRUGLQJ GRFXPHQWV DȊHFWLQJ RU FRQYH\LQJ LQWHUHVW LQ UHDO HVWDWH LQ WKH UHFRUGHUŲV RȋFH HVWDEOLVKHG LQ HDFK FRXQW\ 8QWLO LW LV UHFRUGHG D GHHG RU PRUWJDJH RUGLQDULO\ LV QRW HȊHFWLYH DJDLQVW VXEVHTXHQW purchasers or mortgages. Short Sale: A sale of real estate in which the proceeds from selling the property will fall short of the balance of debts VHFXUHG E\ OLHQV DJDLQVW WKH SURSHUW\ DQG WKH SURSHUW\ RZQHU FDQQRW DȊRUG WR UHSD\ WKH OLHQŲV IXOO DPRXQWV ZKHUHE\ WKH lien holders agree to release their lien on the real estate and accept less than the amount owed on the debt. Survey: A drawing or map showing the precise legal boundaries of a property, the location of improvements, easements, rights of way, encroachment and other physical features. Time is of the essence: A phrase in a contract that requires the performance of a certain act within a stated period of time. Title Insurance: A policy insuring the owner or mortgagee against loss by reason of defects in the title to a parcel real HVWDWH RWKHU WKDQ HQFXPEUDQFHV GHIHFWV DQG PDWWHUV VSHFLȌFDOO\ H[FOXGHG E\ WKH SROLF\
M A J O R U T I L I T Y P R OV I D E R S
Settling In Electricity York Electric Cooperative, Inc.
City of York
City of Rock Hill Utilities
803-548-4244
803-684-2341
803-329-5500
York Co. Natural Gas
Ft. Mill Lancaster Co. Natural Gas
Lancaster Co. Natural Gas
803-323-5321
803-548-4777
803-285-2045
Clover Co. Schools
Fort Mill Co. Schools
Rock Hill Co. Schools
803-810-8000
803-548-2527
803-981-1000
Natural Gas
Internet, Telephone, and Television Comporium Telecommunication 803-326-6450
School Districts
York Co. Schools 803-684-9916
Water/Sewer & Waste Removal 6XSSOLHUV RI ZDWHU VHUYLFH VHZDJH DQG VROLG ZDVWH UHPRYDO YDU\ ZLWK WKH FRXQWLHV DQG PXQLFLSDOLWLHV )RU GHWDLOV DERXW VSHFLȌF providers that serve your community, contact your municipal or county clerk. Additional Info / Resources
Supporting our Community
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Own A Home? O P E N U P P O S S I B I L I T I E S FO R OT H E R S T H E R E ’ S ST R E N GT H I N N U M B E R S . Never has that been truer than when coming together in the real estate community to combat homelessness. T H E H O M EOW N E R S I M PACT F U N D, D GHVLJQDWHG F QRQSURȌW LQYLWHV SDUWLFLSDQWV ZKR DUH LQ WKH home closing process to make a small donation that adds up to a substantial gift to local organizations working to lift men, women and children out of homelessness. Because when you harness the power of community, you can weather any storm.
HOW IT WORKS ,I \RXŲUH IRUWXQDWH HQRXJK WR KDYH D URRI RYHU \RXU KHDG SOHDVH consider supporting the Homeowners Impact Fund to help others in need. Funds raised are distributed directly to reputable QRQSURȌW RUJDQL]DWLRQV WKDW VXSSRUW LQGLYLGXDOV DQG IDPLOLHV LQ ȌQGLQJ D SDWK RXW RI KRPHOHVVQHVV
(YHU\ GD\ \RX H[SHULHQFH WKH MR\ RI D SODFH WR FDOO KRPH Every day, more than 3,000 people in the Charlotte area experience homelessness. Every day, more than 580,000 people across the US experience homelessness. 7RJHWKHU ZH FDQ PDNH D GLȊHUHQFH M A K E A N I M PACT Become a supporter by following this link: homeowersimpactfund.org/donate For more information, email info@homeowersimpactfund.org
www.homeownersimpactfund.org We are #InWith10 #AHomeForAll
P R O U D LY S E R V I N G T H E S E O R G A N I Z AT I O N S I N 2024
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