Helpful Homeowner & New Home Buyer Resources | Utility Companies | Government | Municipalities and More Charleston SC area county gas, power, cable, electric, water, and utility companies including Berkeley and Dorchester counties. Search all the local area utility companies below for the Charleston tri-county area. Below is a helpful list of new home buyer resources, including: lender information, flood insurance information, homeowners insurance info, local utility companies list, phone service providers, South Carolina wind and hail insurance information, VA loan information, local governments and more. FEMA – Federal Emergency Management Agency will help you with information about flood insurance. Flood Map – Check Here to see if your Charleston, Mount Pleasant, Isle of Palms, James Island, Daniel Island, Kiawah, Folly Beach or Sullivans Island home or business is in a flood zone. SC Wind and Hail Underwriting Association – The South Carolina Wind and Hail Underwriting Association (SCWHUA) is the residual property insurance market in South Carolina. It provides coverage for the perils of wind and hail in the coastal area of the state designated by the Legislature as “Beach.” The territory is defined by state law. Freddie Mac – Is a GSE ( Government Sponsored Entity) they are NOT lenders for mortgages directly to consumers, but buyers of loans written to consumers by banks and lending institutions. If banks don’t have a place to sell the loans they write then they will at some point run out of capital they have saved -which is essentially the deposits made by their customers. Fannie Mae – Very similar to Freddie Mac, but with different lending guidelines as to the loans they will purchase. Is thought to be the more conservative (traditional/conventional loans) buyer of loans between the two GSEs. Ginnie Mae – Very much like Fannie Mae and Freddie Mac, but instead of buying only conventional loans they purchase government loans from FHA, VA, and USDA. FHA – Federal Housing Administration – A part of the United States Department of Housing and Urban Development (HUD), FHA provides mortgage insurance on single-family, multifamily, manufactured homes and hospital loans made by FHA-approved lenders throughout the United States and its territories. The United States Recovery Plan – The VA ( Veterans Administration) – Set up to help veterans be able to adjust to life after service to our nation, by providing special medical, educational, job, and mortgage assistance. Specifically tailored for US service men and woman. How to get your VA Loan and check if you are eligible. South Carolina Dept. of Insurance – to protect the insurance consumers, the public interest, and the insurance marketplace by ensuring the solvency of insurers; by enforcing and implementing the insurance laws of this State; and by regulating the insurance industry in an efficient, courteous, responsive, fair, and equitable manner. South Carolina Dept. of Consumer Affairs – As the state agency designated to represent the interests of consumer, the S.C. Department of Consumer affairs attempts to resolve complaints and seeks to inform and educate consumers in order to create an atmosphere in which consumers will be more aware of their rights and responsibilities in the marketplace. Charleston, SC County – The website for all real estate, municipal, county, and tax information. Charleston County, SC Government Website. Berkeley County Government – Website for all information pertaining to living in Berkeley county, tax information, laws, municipal, departments, contacts, officials and more. Dorchester County – The Dorchester County website for home owners and community members living in Dorchester County. USDA – USDA Website provides homeownership opportunities to rural Americans, as well as programs for home renovation and repair. USDA also makes financing available to elderly and disabled. Check eligibility for obtaining USDA mortgage. SC Dept of Labor, Licensing, and Regulation – South Carolina Real Estate Council whose purpose was to protect the public’s interest when involved in a real estate transaction. The statute regulated the real estate industry by defining standards of practice and requiring the licensing of those individuals engaged in the business. Charleston – Berkeley and Dorchester UTILITIES Electric & Gas Power Companies Charleston Region Water & Wastewater Companies Cable / Satellite / Telephone Companies Berkeley Electric Cooperative P.O. Box 1234 Moncks Corner, SC 29461 (843) 553-5020 Berkley County Water & Sanitation Authority (BCW&SA) 2111 Redbank Road Goose Creek, SC 29445 (843) 572-4400 Affordable Satellite Services 100 Millbrook Cir. Summerville, SC 29485 843-875-0740 Edisto Electric Cooperative P.O. Box 738 St. George, SC 29477 (843) 563-3292 City of Goose Creek P.O. Drawer 768 Goose Creek, SC 29445 (843) 797-6220 Audio Video Connection 1951 Belgrade Ave. Charleston, SC 29407 843-769-7738 Palmetto Economic Development Corp 1201 Main Street, Suite 1701 Columbia, SC 29201 (803) 254-9211 City of Isle of Palms Water & Sewer Commission 1300 Palm Blvd Isle of Palms, SC 29451 843-886-6148 Berkeley Cable Television Inc. Harleyville, SC 29448 843-462-7600 SCE&G (SCANA Corp.) 1-800-251-7 Commissioners of Public Works City of Charleston P.O. Drawer B 103 St. Philip Street Charleston, SC 29402 (843) 727-6800 Berkeley Cable TV (Customer Service) 579 Stoney Landing Rd Moncks Corner, SC 29461 843-761-8188 James Island Public Services Dorchester County Water & Sewer P.O. Box 9 2120 East Main Street Dorchester, SC 29437 (843) 832-0070 Comcast Cablevision 4400 Belle Oaks Dr. #4100 North Charleston, SC 29405 843-554-4100 Summerville Commissioners of Public Works P.O. Box 817 Summerville, SC 29484 (843) 875-8750 Mt. Pleasant Waterworks & Sewer Commission P.O. Box 330 1619 Rifle Range Road Mt. Pleasant, SC 29465 (843) 884-9626 Direct TV http://www.direct.tv 51 Gadsden St. Charleston, SC 29401 843-958-8577 Saint Johns Water Company Inc 3362 Maybank Hwy Johns Island, SC 29455 843-559-0186 North Charleston Sewer District P.O. Box 63009 7225 Stall Road North Charleston, SC 29419 (843) 764-3072 Direct Satellite TV Charleston, SC 29401 843-744-3011 Knology Cable Charleston, SC 4506 Dorchester Road Charleston, SC 29405 Office: 843-225-1000