Click HERE to nominate someone!
re A L Solutions. re A L Support. re A L Success.

The Federal Housing Administration has announced tighter lending standards, which could put up to 50,000 mortgages in jeopardy annually. The FHA says it will begin to flag more loans as “high risk.” Loans will go through a rigorous manual underwriting process. In 2016, the FHA loosened up its underwriting standards, such as removing a prior rule that required manual underwriting for mortgages with credit scores below 620 and debt-to-income ratios above 43 percent.It is anticipated this will affect between 4-5% of all FHA mortgages
Watch the video to learn more about the FHA guidelines
reAL News You Can Use
BAR has opted to support the AAR's first comprehensive association health plan of its kind in the state! BAR CEO Dawn Kennedy stated that the larger pool of applicants would lower premiums for BAR members.Enrollment ends NEXT FRIDAY, May 10. Enroll HERE...
RPAC Auction Items Needed!

Received a gift card you will never use? Do you have artwork that no longer fits your style? Antique Mirrors? Furniture in excellent condition- too good for a yard sale? Signed books? Christmas gifts still in the original packaging? A timeshare you can't use this year? Donate these items to the RPAC auction and support our industry. Contact for pickup. All items must be picked up by the committee prior to May 31st.

Monday Rewind
BAR Members were able to join Marilyn Seier on her Magic City Bus Tour last Friday. This tour has helped REALTORS ® learn more about the great city of Birmingham for many years!

Ever wanted to attend a Ted Talk Live? Now you can! Ted Talk is coming to Birmingham
May 3-4. The Topic: Balance.
Tickets start at $20
$250 Visa
Take our annual membership survey- only 7 questions!one lucky winner a $250 visa gift card. Survey closes May 1st.
reAL Education reAL Training reAL Happenings

YPN "Single Agents vs. Teams" Panel
Thursday, May 9, 2019
APP-y Hour with CAGA
May 9, 2019
Silent Angels Lights & Lanterns Gala
NEW DATE: May 22, 2019

Awards Luncheon
Thursday, June 20
RPAC Auction Thursday June 6 from 6-9pm
May 2, 2019
(8:30 AM-4:30 PM)
May 7, 2019
(10:30 AM-1:30 PM)
3 CE Hours
May 8, 2019
(9:00 AM-12:00 PM)
3 CE Hours
If you are new to brokerage there is more to know than license law. This workshop will cover office policy manuals, equal opportunity checklists, broker-specific education & events, BAR and MLS requirements, marketing & more.
June 10, 2019, 9-10:30am
FREE  to BAR Brokers
MLS Only Brokers: $50
Email Dawn Kennedy to register.
re A L Support
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Thanks for your support!
Gusty Gulas
2019 BAR President 
Apply For A BAR 2020
Committee HERE!
reAL Member Perks

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BIRMINGHAMREALTORS.COM | 3501 Independence Drive, Birmingham, AL 35209 | 205.871.1911 | Email Us