The Certified Remodeler Specialist election luncheon is Thursday at Germantown Country Club, 1780 Kimbrough Road. Memphis Convention & Visitors Bureau president Kevin Kane is the guest speaker. The polls open at 11:30 a.m. The noon luncheon is free to members. Non-member guests will be charged $20. Call 818-2444 to make reservations.

Mid-America Apartment Communities Inc.s board of directors declared a full month dividend of 0.1979 per outstanding share of Series A Cumulative Preferred Stock. The distribution is payable Oct. 15 to shareholders of record Oct. 1. The board also declared a full month dividend of 0.1849 per outstanding share of Series B Cumulative Preferred Stock. The distribution is payable Oct. 15 to shareholders of record Oct. 1. In addition, the board declared a full quarterly dividend of 0.5859 per outstanding share of Series C Cumulative Preferred Stock. The distribution is payable Oct. 15 to shareholders of record Oct. 1.

Memphis Area Association of Realtors volunteers are needed at the Habitat build, 778 Ioka Ave., from 12:30 p.m. to 5 p.m. Saturday. Call Lee Ann Williams-Maley, 818-2423, for information.

The Building Owners and Managers Association Memphis Business Expo is 10 a.m. to 3 p.m. Oct. 3 at Agricenter International, 7777 Walnut Grove Road. For information, call Daphne Wolf, 398-4288.

In Freddie Mac's Primary Mortgage Market Survey, the 30-year, fixed-rate mortgage averaged 6.05 percent, with an average 0.7 points, for the week ended Sept. 20, falling from 6.18 percent the previous week. This is the lowest the 30-year FRM has been since Freddie Mac began tracking it in 1971. Last year at this time, the 30-year FRM averaged 6.8 percent. The average for the 15-year FRM last week was 5.47 percent, with an average 0.7 points, falling from the previous week's average of 5.59 percent. This is the lowest the 15-year FRM has been since Freddie Mac started recording it in 1991. A year ago, the 15-year FRM averaged 6.3 percent. One-year, Treasury-indexed, adjustable-rate mortgages averaged 4.28 percent last week, with an average 0.7 points, almost unchanged from the previous week's average of 4.32 percent. This is the lowest the 1-year ARM has been since the week ending Feb. 25, 1994, when it was 4.25 percent. This time last year, the one-year ARM averaged 5.58 percent.