The Golden Feather Realty seminar, designed to teach brokers and agents how to sell Housing and Urban Development homes knowledgeably and efficiently, is 9 a.m. to 11 a.m. Dec. 4-5 in the Memphis Area Association of Realtors education center, 6393 Poplar Ave. The seminar is free. For reservations, call 818-2421.

Mid-America Apartment Communities Inc.s board of directors declared full-month dividends of 20 cents, 18 cents and 19 cents per outstanding share of its Series A cumulative preferred stock, Series B cumulative preferred stock and Series F cumulative redeemable preferred stock, respectively. The distributions are payable Dec. 13 to shareholders of record Monday.

The Memphis Area Association of Realtors office is closed Thursday and Friday for the Thanksgiving holiday.

Three Memphis area real estate agents were installed to leadership positions in the Tennessee chapters of the Council of Residential Specialists and the Council of Real Estate Brokerage Managers at the Tennessee Association of Realtors convention. Nancy Guy of Crye-Leike Inc. is the 2003 CRS president-elect. Patty J. Rainey of McWaters & Associates is the 2003 CRB president and Phoebe Burks of Crye-Leike is the 2003 CRB secretary/treasurer. CRS and CRB are not-for-profit affiliates of the National Association of Realtors.

Dr. Steven J. Bares, Memphis Biotech Foundation president and executive director, is the featured speaker at the Dec. 11 Realtor luncheon. The event is 11:45 a.m. to 1 p.m. at the Memphis Area Home Builders Association, 776 N. Germantown Parkway. For reservations, call 818-2444 at least 48 hours in advance. No-shows and walk-ups will be charged $15.

In Freddie Mac's Primary Mortgage Market Survey, the 30-year, fixed-rate mortgage averaged 6.03 percent, with an average 0.6 points, for the week ended Nov. 22, jumping from 5.94 percent the previous week. Last year at this time, the 30-year FRM averaged 6.75. The average for the 15-year FRM last week was 5.44 percent, with an average 0.6 points, up from the previous week's average of 5.32 percent. A year ago, the 15-year FRM averaged 6.24 percent. One-year, Treasury-indexed, adjustable-rate mortgages averaged 4.14 percent last week, with an average 0.6 points, up from the previous week's average of 4.09 percent.