Required Disclosure

Standardized Operating Procedures

Kartar Realty's current requirements for prospective homebuyers.

Kartar Realty 1 LLC d/b/a Kartar Realty

Effective Date: April 14, 2026 Revised: September 21, 2026

Signed and notarized September 21, 2026

Kartar Realty 1 LLC d/b/a Kartar Realty maintains the following standardized operating procedures for prospective homebuyers. These requirements are applied consistently and in accordance with federal, New York State, and applicable local fair-housing laws.

1. Identification

YES. Each prospective homebuyer must provide valid government-issued photo identification before attending an in-person property showing or receiving access to a property.

2. Exclusive Buyer Representation Agreement

YES. Each prospective homebuyer must sign Kartar Realty's approved exclusive buyer representation agreement before Kartar Realty conducts or arranges property showings. The agreement and its material terms, including compensation, will be explained before signing.

3. Mortgage Preapproval or Proof of Funds

YES. Before property showings, a financed buyer must provide a current mortgage preapproval from a qualified lender, and a cash buyer must provide satisfactory proof of funds. A mortgage prequalification alone does not satisfy the preapproval requirement.

Fair and Consistent Application

These procedures will be applied consistently to all prospective homebuyers. Any lawful, property-specific requirement imposed by a seller, property owner, building, lender, or listing brokerage will also be communicated and applied without discrimination.

Brokerage Information

Kartar Realty 1 LLC d/b/a Kartar Realty

Principal Broker: Susan Criscitello NYS Broker UID: 10491214164

345 Harry L. Drive, Suite 4, Johnson City, NY 13790

Office: 607-203-1112 Direct/Cell: 607-349-2896

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