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HOUSING RESOURCES FOR INDIVIDUALS WITHDISABILITIES IN SOUTH CAROLINAAble SC is a Center for Independent Living (CIL), an organization not about“helping” people with disabilities, but built on the central concept of selfempowerment. It’s a consumer-controlled, community-based, cross disabilitynonprofit that provides an array of independent living services.We do everything it takes to empower people with disabilities to live active, selfdetermined lives: advocacy, service, and support. More than half of our staff arepersons with disabilities, as are over half of our Board of Directors. We didn’t justlearn this; we live it.

Table of ContentsContentsIntroduction . 3How Do I Find Available Housing? . 4Local Housing Authorities . 4How Do I Make Sure My Home Fits My Needs? . 8Renting, Buying, and Moving. 8Renting . 8Buying . 8Moving. 9Programs to Help You Buy a Home . 9Home Inspection . 10Reasonable Accommodations and Modifications . 10State and Federal Housing Laws . 11Commonly Asked Questions and Answers. 12Resources for State and Federal Housing Laws . 12Credit Discrimination in Housing . 13Service Animals . 13Self- Advocacy and Communicating Your Housing Needs . 14Things to Know About Your New Home . 14Home Insurance . 14Renters Insurance . 15Home Maintenance . 15Safety . 15Emergency Assistance . 16Statewide . 16Upstate . 16Midlands . 162Compiled by Able South Carolina

IntroductionIt’s easy to get overwhelmed when trying to find the information you need about housing. The goal ofthis packet is to compile some of the key information and resources in one place to help you find theanswers you are seeking, understand your housing rights as an individual with a disability, andconnect to resources that will assist you.In this packet, you will find information to assist you in: Finding housing.Learning about housing programs and resources.Understanding your legal rights pertaining to housing.Knowing how to request reasonable modifications and reasonable accommodations.Communicating with a housing provider.Discovering how and where to find further assistance.If you have questions, or need help, please contact:Able South Carolina136 Stonemark Lane, Suite 100Columbia, SC 29210Toll Free: 800.681.6805TTY: 803.779.0949Able South Carolina330 Pelham Road, Suite 100AGreenville, SC 29615Toll Free: 800.681.7715TTY: 864.235.8798Visit us online at www.able-sc.org.3Compiled by Able South Carolina

How Do I Find Available Housing?Before you begin your search, you need to weigh out your options, look at the many housingpossibilities in person, and ask people who live there about the area. When you weigh out your options,you need to consider: Do you want to rent or own?What type of housing do you prefer (house, apartment, townhouse, etc.)?Do you have or want to have pets?Do you want to live in the city or a more rural area?Will you use public transportation or your own vehicle?Will you be living alone, with a roommate, or with a significant other?You have many different options for finding the right type of housing that is best for you. Some methodsfor deciding what type of housing will best fit your needs include: Online housing siteso SC Housing Searcho Homefinder.como Trulia.como Zillow.como SC Department of Housing & Urban Developmento Apartment Finder Housing magazines Realtors Friends & family Former, compatible roommatesTips for helping seniors to find active independent living communities and retirement communities Seniors E-GuideLOCAL HOUSING AUTHORITIESPlease use the following chart to find your local housing authorityCity or CountyPhysical AddressPhoneFaxEmail AddressWebsiteAbbeville508 Haigler StreetAbbeville SC 03)643-0069Aiken Housing Authority(864)260-5120(864)260-5118Anderson Housing AuthorityAikenAnderson100 Rogers TerraceAiken SC 298011335 E River StreetAnderson SC 296244Compiled by Able South Carolina

City or CountyPhysical AddressPhoneFaxEmail AddressWebsiteAtlantic Beach1020 30th Avenue SNorth Myrtle Beach SC @sc.rr.comMyrtle Beach Housing AuthorityBeaufort1009 Prince StreetBeaufort SC netBeaufort Housing AuthorityBennettsville253 Fletcher StreetBennettsville SC 29512(843)479-3857(843)479-2311NoneCharleston550 Meeting StCharleston SC y of Charleston HousingAuthorityCharleston County2106 Mt. Pleasant St, Suite 100Charleston SC 29403(843)722-1942(843)577-6825Charleston County Housing &Redevelopment AuthorityCheraw1345 Dizzy Gillespie DriveCheraw SC 29520(843)669-4163(843)679-2626Housing Authority of FlorenceChester2678 Dawson Dr, Building 100Chester SC netCity of Chester HousingAuthorityColumbia and Cayce1917 Harden StreetColumbia SC ia Housing AuthorityConway2303 Leonard AvenueConway SC 29527(843)248-7327(843)[email protected] Housing AuthorityDarlington324 Bacote StreetDarlington SC 29532(843)393-0436(843)393-0443darl [email protected] Wallace DriveEasley SC netEasley Housing AuthorityFlorence400 E Pine StreetFlorence SC 29506(843)669-4163(843)679-2626Housing Authority of FlorenceFort Mill105 Bozeman DriveFort Mill SC 29715(803)547-6787(803)548-2125Housing Authority of Fort MillGaffney125 Beltline RoadGaffney SC Gaffney Housing Authority5Compiled by Able South Carolina

City or CountyPhysical AddressPhoneFaxEmail AddressWebsiteGeorgetown1 Lincoln StreetGeorgetown SC getown Housing AuthorityGreenville122 Edinburgh CourtGreenville SC ille Housing AuthorityGreenwood315 Foundry RoadGreenwood SC 29646(864)227-3670(864)227-8270NoneGreer103 School StreetGreer SC etGreenville Housing AuthorityHartsville1301 S 5th StreetHartsville SC msburg County1022 Lexington AveKingstree SC 29556(843) 355-7516(843) [email protected] City398 N Matthews RoadLake City SC tLake City Housing AuthorityLancaster HA3502 Caroline CourtLancaster SC 29720(803)285-7214(803)283-2049NoneLaurens218 Independence AveLaurens SC 29360(864)984-0578(864)984-0931SC Regional Housing Authority#1Marion826 Walnut StreetMarion SC 29571(843)423-5242(843)423-7256NoneMarlboro CountyServes Dillon County100 Woods AvenueClio SC 29525(843)669-4163(843)679-2626NoneMcColl200 Gilchrist AvenueMcColl SC 29570(843)523-5449(843)679-2626Housing Authority of FlorenceMullins244 Blanton CourtMullins SC 29574(843)464-9822(843)464-4371NoneMyrtle Beach605 10th Avenue NMyrtle Beach SC Myrtle Beach Housing AuthorityNewberry3589 Grant AvenueNewberry SC 29108(803)276-1049(803)276-1056None6Compiled by Able South Carolina

City or CountyPhysical AddressPhoneFaxEmail AddressWebsiteNorth Charleston2170 Ashley Phosphate Rd, Suite 700North Charleston SC thority.comNorth Charleston HousingAuthorityRock Hill467 South Wilson StreetRock Hill SC 29730(803)324-3060(803)324-5857Rock Hill Housing AuthoritySC Region 1 Counties:Abbeville, Anderson,Cherokee, Edgefield,Laurens, McCormick,Oconee, Pickens,Saluda460 Church StreetLaurens SC 29360(864)984-0578(864)984-2669SC Regional Housing Authority#1SC Region 3 Counties:Aiken, Allendale,Bamberg, Barnwell,Berkeley, Calhoun,Hampton, Jasper,Orangeburg10938 Ellenton StreetBarnwell SC 29812(803)259-3588(803)[email protected] Regional Housing Authority#3SC State HAHUD Housing ChoiceVoucher Program in:Clarendon, Colleton,Dorchester, Fairfield,Kershaw, Lee, andLexington Counties300-C Outlet Pointe BoulevardColumbia SC comSouth Carolina State HousingFinance & DevelopmentAuthoritySpartanburg2271 South Pine StreetSpartanburg SC 29302(864)598-6000(864)598-6155Spartanburg Housing AuthoritySumter15 Caldwell StreetSumter SC 29150(803)775-4357(803)778-2315NoneUnion201 Porter StreetUnion SC 29379(864)427-9679(864)429-0731Union Housing AuthorityWoodruff110 Miller DriveWoodruff SC 29388(864)476-7043(864)476-8969NoneYork221 California StreetYork SC 29745(803)684-7359(803)684-0895York Housing Authority7Compiled by Able South Carolina

How Do I Make Sure My Home Fits My Needs?Renting, Buying, and MovingIt is important to make sure your home fits your needs and one of the best ways to do this is by visitingthe house ahead of time.When you visit a housing provider and unit, it is important to look at the actual house, room, orapartment; read the lease or rental agreement; and understand the landlord’s rules or homeowners’association information. In meeting with the landlord or agent, it is vital to do a thorough inspection, askquestions if you don’t understand; get more information from other sources, such as tenants, communityresidents, and local law enforcement; and obtain renter's or homeowner’s insurance if possible.Before you sign any housing documents, make sure you know the security deposit policy, let thelandlord know when you need things fixed, document conditions or repairs needed, and requestaccommodations/modifications. If you own your home, it is your responsibility to have it repaired. Saveyour warranties for appliances you purchase.RENTINGThe following resources can serve as a guide to asking the right questions and finding all the informationyou need:Apartment Hunting ChecklistOverview of Affordable Rent ProgramsIncludes Housing Choice Vouchers (section 8) and Tenant Based Rental Assistance (TBRA)Fact Sheet on How Rent is Calculated for HUD ProgramsHUD Housing CounselingHUD provides free or low cost advice on renting or credit issues.SC Housing SearchProvides information on renting and searching for an apartment or home in South Carolina.BUYINGFinding affordable, safe housing may seem like a difficult task, but utilizing different resources allowsyou to see what will work best for your situation. Here are some examples of information that can assistindividuals with disabilities in the housing process. Even though a location may state they areaccessible, an individual with a disability should check out the resources and the place itself todetermine if it is what he or she wants and needs.Home Buying Resource Guide for Individuals with DisabilitiesThe Individualized Housing Options (IHO) guide will help a person with a disability to discover housingoptions, plan a move, and learn about help and supports to develop a person-centered housing plan.Individualized Housing Guide8Compiled by Able South Carolina

A guide to connect you to programs, services, government agencies, and organizations that providerental and home buying assistance as well as other financial help.MOVINGMoving is a hectic time, so use these checklists to simplify the process and help you search for anapartment.Moving ChecklistFirst Apartment ChecklistPrograms to Help You Buy a HomeThe process of buying a home can seem overwhelming at times, however, there are programs availableto assist individuals with disabilities in purchasing a home. These resources can help you learn moreabout buying a home and the financial assistance programs available to do so:Overview of Affordable Housing Finance ProgramsThis document gives details about many housing programs including the Low Income Housing TaxCredit (LIHTC), HOME Investment Partnership Program, HUD Section 811, and Housing TrustFunds.Overview of Federal Housing Assistance ProgramsSC and Local ResourcesA list of housing resources from HUD in South CarolinaSection 502 Direct Loan Program for Low-Income Home Buyers in Rural Areas USDA Homeownership Direct Loan Program USDA Guaranteed Rural Housing LoansSection 504 Rural Repair and Rehabilitation ProgramReverse Mortgage for SeniorsVA Specially Adapted Housing ProgramFair Lending: Learn the FactsAs in every situation, it is important to know how to protect yourself when applying for a loan. Thefollowing resource gives an overview of fair lending practices, as well as how to avoid and reportlending discrimination.9Compiled by Able South Carolina

Home InspectionWhen purchasing a home, it is very important to have a home inspection done to catch problems youmight not have known were there otherwise. Most buyers get a professional inspection done after theyare already in contract to buy the property, but you could ask the seller to let you do a “pre-inspection”before submitting your offer. Because there is no contract, the seller may sell the house to anotherbuyer while you are waiting for results or you could pay for the pre-inspection, make an offer, and theseller could refuse. An inspection could cost anywhere from 200- 500 and you may not even end upowning the house. In some cases, the seller has already completed an inspection, making yourinspection unnecessary.You could also conduct your own informal inspection before making an offer; look for issues like slopingfloors, water damage, missing roof shingles or gutters coming loose, old or low-quality fixtures orappliances, and other signs of needed repair.Here are some resources to help you complete your own home inspection checklist:Do-it Yourself Home Inspection Checklists Total Home Inspection Checklist Home Inspection ChecklistOnce an offer on a property is accepted, most buyers hire a professional home inspector to assessthe condition of the home; the inspector will write a detailed report for the buyer to use in decidingwhether to continue with buying the home. For help finding a home inspector, ask friends forrecommendations or check with the American Society of Home Inspectors (ASHI). Even though youwill receive a written report, you should still be present at the inspection to ensure the home inspectorlooks at everything and answers any questions you may have. Some homeowner’s insurancecompanies will also require a home inspection when you first apply for an insurance policy.Reasonable Accommodations and ModificationsIf you are a person with a disability, you can request reasonable modifications or accommodations toyour housing unit if they are necessary to your use of the premises. In order for a requestedmodification or accommodation to be considered reasonable;1) There must be a relationship between the requested accommodation and an individual’s disability.2) The request must not impose an undue financial burden on the housing provider.The following are examples of reasonable modifications taken from www.hud.gov:a) If the bathroom in a unit is inaccessible, an individual with a disability can request grab bars beinstalled in the shower/tub area or around the toilet.b) If a housing complex is inaccessible, a tenant who uses a wheelchair or other mobility devicecan request an accessible doorway to the laundry facilities or leasing office.c) If a housing unit does not have accessible fire alarms for people with hearing disabilities, atenant can request a flashing light fire alarm.10Compiled by Able South Carolina

The following are examples of reasonable accommodations taken from www.hud.gov:a) If a housing provider offers limited parking, and has no accessible parking, a tenant with adisability can request an accessible parking space.b) If a housing provider requires rent to be dropped off at an inaccessible location, a tenant with adisability can request the payment be mailed to the leasing agent, rather than hand delivered.c) If a housing provider has a policy against pets in their apartment complex, a person with adisability who has a service animal can request an accommodation to make an exception to thepolicy to allow the service animal.In response to a request for reasonable accommodation, a housing provider may request informationnecessary to verify that your disability meets the Fair Housing Act’s definition of a disability; this canbe proof of SSI or SSDI; a credible statement from you; or a doctor, medical professional, or reliablethird party’s verification.1The following resources can serve as a guide for reasonable accommodation and modifications:Reasonable Accommodations under the Fair Housing ActA question and answer fact sheet about reasonable accommodations and modifications from HUD.Guides for Reasonable Accommodations and ModificationsBooklets with information on reasonable accommodations and modifications for housing with sampleletters for individuals with disabilities to make requests. Understanding Your Rights: Reasonable Accommodations Guide for Reasonable Accommodations and Modifications Booklet Reasonable Accommodations/Modifications Self-Help PacketState and Federal Housing LawsThere are state and federal laws that govern the housing process. The South Carolina ResidentialLandlord-Tenant Act is a law passed in 1986 that protects South Carolina house, apartment, androom renters and their landlords. If you live in government-assisted housing, this law also protects you2.You may also have additional protections under federal law; the federal Fair Housing Act amended in1988 prohibits discrimination in housing-related transactions because of race, color, religion, nationalorigin, sex, disability, or familial status. The Fair Housing Act applies to a wide variety of housingtransactions, including rentals, sales, home mortgages, appraisals, and homeowner’s insurance.Landlords, real estate agents, lenders, insurance companies, and condominium, cooperative, andhomeowners’ associations must not discriminate because of one’s membership in a protected class. 3Many state and local laws also prohibit housing discrimination based on several additional protectedclasses.1Reasonable Accommodations Under the Fair Housing Act2Landlord & Tenant Law in SC3HUD.gov11Compiled by Able South Carolina

COMMONLY ASKED QUESTIONS AND ANSWERS4What is the definition of a disability?A disability is a physical or mental impairment which substantially limits one or more major life activities,such as caring for one’s self, performing manual tasks, walking, seeing, hearing, speaking, breathing,learning, and working. It also includes having a record of such an impairment or regarding someone ashaving such an impairment when they do not.May housing providers refuse to rent to me because they believe I will not be safe or cannottake care of myself?No. The only exception, which applies to all applicants, is if an individual’s tenancy poses a direct threatto the health or safety of others or would result in substantial physical damage to the property of othersand a reasonable accommodation cannot significantly reduce or eliminate the threat.What is a reasonable accommodation?Housing providers must permit reasonable modifications requested by residents; a reasonablemodification is a structural change made to existing premises occupied or to be occupied by a personwith a disability, so that he or she can fully use and enjoy the premises. Reasonable modifications caninclude structural changes to interiors and exteriors of dwellings, and to the common and public useareas. The resident pays the cost of the modification. Examples of reasonable modifications includeinstalling grab bars or ramps, lowering counter spaces, and allowing a deaf or hard of hearing tenantto install strobes. Section 504 of the Rehabilitation Act of 1973 may require landlords who receivefederal funds to pay for reasonable modifications.A request for a reasonable accommodation may be denied if providing the accommodation wouldimpose an undue financial and administrative burden on the housing provider or would fundamentallyalter the nature of the provider’s operations, determined on a case-by-case basis. When a housingprovider refuses a requested accommodation because it is not reasonable, the provider should discusswith the requester whether there is an alternative accommodation that would effectively address therequester’s disability-related needs.May the housing provider ask for details or proof that I have a disability?The housing provider may ask for verification of a person’s disability, if it is not obvious or otherwiseknown to the housing provider, and may verify that a request is related to that disability. If requested,the individual may provide a written statement from a licensed medical or social service professional orother third party stating that the applicant/resident qualifies as an individual with a disability. Thehousing provider may not ask the person with a disability or the certifying professional about the natureof the individual’s disability.RESOURCES FOR STATE AND FEDERAL HOUSING LAWSAdvocates Guide to the Fair Housing ActA guide created by the South Carolina Appleseed Legal Justice Center. It is intended to give a briefoverview of the federal Fair Housing Act and the South Carolina Fair Housing law.4Information taken from Disability Rights in Housing12Compiled by Able South Carolina

Appleseed Legal Justice Housing Publications and LinksSC Appleseed Legal Justice Center advocates statewide for legislation and policies that ensureadequate and affordable housing for all South Carolinians, and they created this resource guide to helpindividuals with the housing process.SC HUD Tenant RightsInformation that includes questions about landlords, tenants, and leases.Understanding the Fair Housing Amendments Act-United Spinal AssociationUnderstanding the Fair Housing Amendments Act is a guide to help both people with disabilities andadvocates better understand the FHAA. This brochure outlines the law and how to make the law workfor people with disabilities.How to File a Housing Discrimination Complaint OnlineIf you have been trying to buy or rent a home or apartment and you believe your civil rights have beenviolated, you can file your fair housing complaint online at the link below. Your housing discriminationcomplaint will be reviewed by a fair housing specialist to determine if it alleges acts that might violatetheFairHousingAct.Reasonable Accommodations under the Fair Housing ActUnderstand your rights to reasonable accommodations if you have a disability by reading the HUDinformation below.CREDIT DISCRIMINATION IN HOUSINGCredit is a key component for buying a house, and it is important to know when you are being deniedaccess to fair credit. The following link is a guide to credit discrimination that will give you informationabout the kinds of discrimination common for individuals with disabilities and sections of the law thatcan protect you.Guide to Credit DiscriminationSERVICE ANIMALSPeople with disabilities may use service animals for a multitude of reasons and tasks. Federal and statecivil rights laws govern your use of service animals in housing entities. Be sure to check state andfederal laws to see what your rights are when using a service animal.Service Animals for People with Disabilities in Housing and HUD-Funded ProgramsA guide to understanding service animals with regards to housing and HUD programs.Service Animals and Emotional Support Animals BookletAn overview of where they are allowed and under what circumstances.Department of Justice Overview of Service AnimalsAn explanation of service animals and rights of access under the ADA.13Compiled by Able South Carolina

Assistance Dogs International’s Guide to Assistance Dog LawsThis booklet is designed to provide information about the rights of people with disabilities who useAssistance Dogs.Assistance Animal Fair Housing ToolkitThis toolkit focuses on the federal laws that prohibit discriminatory treatment of those who useassistance animals in public accommodations and housing.Self- Advocacy and Communicating Your HousingNeedsThroughout the entire buying or renting process you will need to communicate your needs clearly andeffectively; the following section gives an overview of self-advocacy.There are several ways you can communicate your housing needs to a landlord or housing provider.First, you can meet with them directly and discuss your needs. Second, you can send a letter or e-mailexpressing your needs. Third, you can contact them over the telephone. It is usually best to meet withthe housing provider in person so you can give them your letter of reasonable accommodation ormodification, and can then set a follow-up time to meet.Here are some tips to help you more effectively communicate what you want: Speak to the landlord or property manager in a respectful and timely manner. When questions arise, speak to them directly. Document these conversations for your records. Be aware of the dates rent and monthly mortgages are due Be honest if something breaks or a policy was violated. Taking notes at a meeting can help build teamwork and keep everyone focusedUse the following resources to improve your self-advocacy skills:Advocacy Tool Kit: Skills and Strategies for Effective Self and Peer AdvocacyThe toolkit teaches people with disabilities and others who are advocating for them, the skills andstrategies necessary to be an effective advocate.Things to Know About Your New HomeHOME INSURANCEHome insurance is protection for the physical structure of your home and possessions in it. Althoughnot all states require homeowner’s insurance, your mortgage lender typically will require coverage inorder to provide a home loan. With homeowner’s insurance, you can get the compensation needed torepair or rebuild after a loss and receive financial protection in the event of a liability claim that leads toa lawsuit. Read more below to understand your insurance needs.Things you will need to know Determine how much coverage you need. Buy enough coverage to replace your home if it’sdestroyed. Talk to your insurance agent to determine how much coverage you need. You can14Compiled by Able South Carolina

use this SC Home Insurance Price Comparison tool to help determine potential costs ofcoverage. Us

Compiled by Able South Carolina City or County Physical Address Phone Fax Email Address Website Atlantic Beach 1020 30th Avenue S North Myrtle Beach SC 29582 (843)272-4189 (843)361-0338 [email protected] Myrtle Beach Housing Authority Beaufort 1009 Prince Street Beaufort SC