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REALTOR of CENTRAL ALABAMAJuly 2017NoahGallowayLive with No ExcusesPAG E 1 1What EveryoneShould KnowAbout EqualOpportunityHousingPAG E 8THE GUIDE FOR CENTRAL ALABAMA REAL ESTATE PROFESSIONALS
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Your BirminghamMORTGAGE LENDERProud Supporters of the Birmingham Area Realtors and Home Builders AssociationsMarie WatersBranch Manager NMLS# 249925205-482-8976Matthew DaileyLoan Officer NMLS# 1053479205-587-5655Wendie WhiteLoan Officer NMLS# 196493205-533-5202Keith BiceCathy GapenLoan Officer NMLS# 196476Loan Officer NMLS# 190225205-369-1771David Brown205-305-0093Market Manager NMLS# 280888205-960-8202Alan BriggsLoan Officer NMLS# 196255205-541-4094Mark PruetBen CrewLoan Officer NMLS# 395911256-404-4515Jackie CrewTrey HortonLoan Officer NMLS# 208824205-296-8741Pam MoseleyLoan Officer NMLS# 688517Loan Officer NMLS# 189821Kelley Bailey10 Inverness Center Pkwy., Suite 350Birmingham, AL 35242205-542-2695Loan Officer NMLS# 267018205-746-6096256-404-2100Loan Officer NMLS# 197038205-910-8663Branch NMLS# 1084703www.YourBirminghamLenders.comNMLS# 205696“"On Time & As Agreed"“InterLinc Mortgage Services, LLC. NMLS ID: 205696. Alabama Consumer Credit License ID#: 21702. InterLinc is an Equal Housing Lender. DISCLAIMER: This is not a commitment to lend. Credit and collateral are subjectto approval. Other restrictions may apply. Programs, rates, terms and conditions are subject to change without notice.
President's MessageREALTORS do more than host open houses. We are community members. Welive, learn, work and worship in neighborhoods across greater Alabama — a fact wenever forget. That’s why the Birmingham Association of REALTORS is serious aboutuplifting those we serve.The National Association of REALTORS tells us to engage our community inmeaningful ways. We go above and beyond.As the Voice for Real Estate, we share our local market statistics, and we’ve been atthe ready when reporters tap us for interviews, trends and data. (See January-April 2017statistics, page 19.)BAR REALTORS are passionate givers who are involved and invested in our communities.Already this year, we’ve invested thousands of dollars in charitable causes. Our Bowlfor Kids’ Sake event raised 12,000 for Big Brothers Big Sisters of Greater Alabama, ourbiggest contribution yet! We were a key sponsor of the Alabama Kidney Foundation’sBirmingham Kidney Walk, and we’re a regular participant in Habitat for HumanityGreater Birmingham.We collaborate often. We partnered with the Alabama Center for Architecture tobring a Tiny House Exhibit and lecturer on “living small” to Birmingham. We invite localbusinesses — whose work connects with our industry — to join our association as Affiliate Members. Together we are able to accomplish more. (Read more inside about AffiliateMembers and our September Expo.)We’re also a voice for homeowners. In May, our leaders were on Capitol Hill, askinglegislators to support homeowners and consider our profession when addressing tax reform, the National Flood Insurance Program and sustainable homeownership.Here at home, we educated ourselves about the issues, interacting with such leaders as Jefferson County Commissioner David Carrington, Secretary of State John Merrill, Hoover Mayor Frank V. Brocato and the Jefferson County Mayors Association. Indowntown Montgomery, we rallied on REALTOR Day, and we successfully fought toprotect Alabama’s historic renovation tax credit program.It’s tough work, but we’re proud to do it.Living inspired,Faith Harper2017 PresidentBirmingham Association of Realtors President Faith Harper, RealtySouthVice President Kim Mangham-Barelare, LAH Real EstateTreasurer Gusty Gulas, BRIK RealtySecretary David Lucas, Lucas and AssociatesPast President Dot Mash, LAH Real EstateBoard of DirectorsTony Birk, Bo Draughon, Anna-Marie Ellison, Jerry Grant,Luciana Guin, Kathy Gipson, Kelli Gunnells,Senia Johnson, Keith Kelley, Anita Latham, Chuck Sparks,Chip Watts, Debbie White, Mechelle Wilder,Ginny Willis and Chris WoodBAR StaffChief Executive Officer Cliff LongVice President of MLS .Liz KendrickMLS Director Loren GilbertsonMLS Administrative Assistant . Heather DeCastraCommercial Services Director .Josh HarrisReceptionist & Administrative Assistant. Katherine S. HarrisBAR/GALMLS Chief Financial Officer . Chris BakaneCommunication & Digital Media Director Denise BerkhalterEducation Director Kate SchroederCommunity/Government Affairs Director . Jessica CoatesMembership Director Sue DahrougeMembership Coordinator Jasmine SanderferOutreach Coordinator . Phillip D. HortonProfessional Standards Admin Tricia HydeBirmingham Association of REALTORS 3501 Independence DriveBirmingham, Alabama 35209Phone: 205-871-1911www.birminghamrealtors.comTo join BAR, Call 205-871-1911 or emailmembership@birminghamrealtors.comAdvance Central Services AlabamaVice President & General Manager Kevin DennyTarget Marketing Manager Carl BatesAccount Executive Eddie GravesProduction Don TaylorAlabama Media GroupSales Manager/Real Estate Kathy CowartREALTOR of Central Alabama is published quarterly byAdvance Central Services Alabamaon behalf of theBirmingham Association of Realtors 4 REALTOR of Central Alabama birminghamrealtors.comCopyright 2017 by the BAR and Advance Central ServicesAlabama, all rights reserved. No part of this publication maybe reproduced without permission of the BAR and ACSAL.For Advertising Inquiries, Contact:Eddie Graves 205-325-2289 egraves@acsal.com
MARK YOUR CALENDARSJULY 1 arrive at 5:30 p.m., game at 6:30 p.m.REALTOR Night with the BaronsBarons Baseball Field at Regions ParkRon PhippsJULY 10-14, 8:30 a.m.-5 p.m.Certified InternationalProperty Specialist InstituteFeaturing 2011 NARPresident Ron PhippsBirmingham Associationof REALTORS JULY 20 at 11:15 a.m.Birmingham Association of REALTORS Awards/Elections Membership LuncheonThe ClubAUG. 24 at 5:30 p.m.Central Alabama GlobalAlliance - Sunset SocialSEPT. 6 & 7Central Alabama REALTOR /Affiliate Conference & ExpoBJCC-South HallBooths: BirminghamREALTORS.comSEPT. 7 at 11:15 a.m.Birmingham Association of REALTORS Membership LuncheonFeaturing Noah GallowayAuthor of Living with No ExcusesBJCC-South Hall BallroomOCT. 12 at 5 p.m.Fall Frenzy SocialThe Preserve Town HallOCT. 16 at 8 a.m.BAR Annual Golf TournamentHoover Country ClubDEC. 7Birmingham Association ofREALTORS InauguralSponsor: Call 205-871-1911birminghamrealtors.com REALTOR of Central Alabama5
REALTOR of CENTRAL ALABAMACONTENTSJULY 2017ON THECOVER:8 What Everyone ShouldKnow About EqualOpportunity Housing13 2017 Greater AlabamaREALTOR /AffiliateConference & ExpoNoahGalloway15 Bob Kuykendall: Climb& Conquer MountainsLive withNo Excuses18 Bruce Bright: Learnto Lead with PassionPAGE 11Cover photo: Hal YeagerNeed More Exposure?To market your businessand reach a quality[5 Mark Your Calendarsaudience.contactEddie Gravesegraves@acsal.com205.999.7315[for more information aboutgetting your message intothis and other publications.6 REALTOR of Central Alabama birminghamrealtors.com19 Residential Sales Report
Residential transactions for Blount, Jefferson, Shelby and St. Clair counties. GREATERALABAMAMLS.COMbirminghamrealtors.com REALTOR of Central Alabama7
“You have theright to expectthat housingwill beavailable toyou withoutdiscrimination ”What Everyone Should KnowAbout Equal Opportunity HousingThe sale and purchase of a home is oneof the most significant events that anyperson will experience in his or her lifetime. Itis more than the simple purchase of housing,for it includes the hopes, dreams, aspirations,and economic destiny of those involved.The National Association of REALTORS provides this guide about equal opportunityhousing.the Law:Civil Rights Act of 1866:The Civil Rights Act of1866 prohibits all racialdiscrimination in the saleor rental of property.Americans with DisabilitiesAct: Title III of the Americanswith Disabilities Act prohibitsdiscrimination against personswith disabilities in placesof public accommodationsand commercial facilities.Fair Housing Act: The Fair Housing Act declares a national policyof fair housing throughout the United States. The law makesillegal any discrimination in the sale, lease or rental of housing,or making housing otherwise unavailable, because of race, color,religion, sex, handicap, familial status or national origin.8 REALTOR of Central Alabama birminghamrealtors.comEqual Credit OpportunityAct: The Equal CreditOpportunity Act makesdiscrimination unlawful withrespect to any aspect of acredit application on thebasis of race, color, religion,national origin, sex, maritalstatus, age or because allor part of the applicant’sincome derives from anypublic assistance program.State and Local Laws:State and local laws oftenprovide broader coverageand prohibit discriminationbased on additional classesnot covered by federal law.
theResponsibility:The home seller, the home seeker, andthe real estate professional all have rightsand responsibilities under the law.As a home seller or landlord you have a responsibilityand a requirement under the law not todiscriminate in the sale, rental and financing of property on the basis of race, color,religion, sex, handicap, familial status ornational origin.For the Home Seller:You cannot instruct the licensed broker or salesperson acting as your agentto convey for you any limitations in thesale or rental because the real estate professional is also bound by law not to discriminate. Under the law, a home seller orlandlord cannot establish discriminatoryterms or conditions in the purchase orrental; deny that housing is available, oradvertise that the property is availableonly to persons of a certain race, color,religion, sex, handicap, familial status ornational origin.You havethe right to expect that housing will beavailable to you without discriminationor other limitations based on race, color,religion, sex, handicap, familial status ornational origin.For the Home Seeker:communities or locations of housing No discrimination in the financing,appraising, or insuring of housing Reasonable accommodations inrules, practices and procedures forpersons with disabilities Non-discriminatory terms and conditions for the sale, rental, financing,or insuring of a dwelling To be free from harassment or intimidation for exercising your fair housing rights.This includes the right to expect: Housing in your price range madeavailable to you without discrimination Equal professional service The opportunity to consider a broadrange of housing choices No discriminatory limitations on9 REALTOR of Central Alabama theAllegations:If you suspect discrimination, call theBirmingham Association of REALTORS .BAR accepts local complaints allegingviolations of the National Association ofREALTORS Code of Ethics filed by ahome seeker who alleges discriminatorytreatment in the availability, purchase orrental of housing. You may call the U.S.Department of Housing and Urban Development with complaints alleging discrimination in housing.For the Real Estate Professional:Agents in a real estate transaction are prohibited by law from discriminating on thebasis of race, color, religion, sex, handicap,familial status, or national origin. A request from the home seller or landlord toact in a discriminatory manner in the sale,lease or rental cannot legally be fulfilled bythe real estate professional.birminghamrealtors.comlearn more: www.nar.realtor www.hud.gov Birminghamrealtors.com/ethics-standards-support
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» COVER STORYLive with No ExcusesAlabama hero Noah Galloway headlines 2017 REALTOR Conference & ExpoBy Denise L. Berkhalter, APRThe heinous Sept. 11, 2001, terroristact on American soil left the country worried about vulnerability to weapons of mass destruction. Operation IraqiFreedom took shape as American troopsrisked life and limb.Noah Galloway will besigning his book at theBAR Expo Sept. 7.A Birmingham son, Sgt. Noah Galloway of the 101st Airborne Division’s502nd Infantry out of Fort Campbell,Ky., lost an arm and leg in an improvisedexplosive device attack just three monthsinto his second tour of duty. Dec. 19, 2005,could’ve been the end of this hero’s story,but Galloway was destined for “more”.He fought depression and won backhis life. The former fitness fanatic andhyper-competitive athlete set out on apathway toward a healthier physical andemotional self and now inspires others todo the same.Here’s where that “more” comes intoplay. Galloway is an actor, adventure racer, personal trainer, motivational speakerand author of Living with No Excuses: TheRemarkable Rebirth of an American Soldier.Galloway will headline the Birmingham Association of REALTORS’ Sept.6 and 7 Central Alabama REALTOR /Affiliate Conference & Expo. He will address several hundred attendees at theSept. 7 luncheon at the Birmingham-Jefferson Convention Complex’s South Hallballroom. The event is 35 per person or 280 per table of eight. Register at BirminghamREALTORS.com.11 REALTOR of Central Alabama Photo credit:Hal YeagerGalloway will be available to signhis book during Thursday’s free expo.REALTOR of Central AlabamaMagazine invited Galloway to answera few questions for those who can’twait to meet him Sept. 7.Q: Noah, would youtell us a little aboutyourself?Galloway: After witnessingthe events of 9/11 on television, I made the decision tobirminghamrealtors.com
ARC Realty’s Bob Kuykendalland Alabama native andArmy hero Noah Gallowayhave more in commonthan the BirminghamAssociation of REALTORS .Kuykendall is a member ofthe association, and Gallowaywill speak at BAR’s Sept. 7Membership Luncheon. Thetwo local actors reminiscedrecently about their rolesin a zombie movie.join the Army and fight for my country.I was on my second tour of duty when Iwas injured in an IED attack. After beingunconscious for days, I woke up to learnthat I’d lost my left arm above the elbow,my left leg above the knee, my jaw waswired shut, and I had suffered severe injuries to my right leg and arm.It was devastating. I lost part of mybody and my career. After a long, darkstruggle with depression, I realized thatPhoto credit:Hal Yeagerthere was more to me than my injuresand what I’d lost. I had three children whoneeded their father, so I made a decisionto get healthy and be the man they neededme to be. It was a long road, but I made it.Before my injury, I was very much intophysical fitness. So I used that as a meansto pull myself out of that dark place andback to who I wanted to be. I started going to the gym and getting back in shape.It was a struggle because I had to learnnew ways to work out given the loss oftwo limbs. But I did it, and this eventuallyled to my participation in fitness competitions, mud runs, 5Ks, 10Ks and marathons.In 2014, I landed on the cover of Men’sHealth Magazine as their “Ultimate Guy.” Iwas the first veteran and amputee to gracethe cover of the world’s largest men’s magazine. I gained a lot of attention. I went onEllen (The Ellen DeGeneres Show) and fromthere on to Dancing with the Stars (ABC),followed by American Grit (FOX), as wellas several other talk and daytime shows.Last year I wrote a book about my life,Living with No Excuses, to share my storywith others to hopefully give those whoalso suffered from depression some hopethat there is a light at the end of the tunnel.Between being on television showsand writing my book, I travel the worldbirminghamrealtors.com REALTOR of Central Alabama12
“What I suffered and recoveredfrom after that injury made mewho I am today. It made me a better person and a better father.”– Noah Galloway2017 CENTRAL ALABAMAREALTOR /AFFILIATECONFERENCE & EXPOBirmingham-Jefferson ConventionComplex-South Hall, bjcc.orggiving motivational speeches to various groups of peoplefrom schoolchildren to CEOs. I use my story to help people overcome their obstacles, encourage them to live withno excuses and reach for their goals no matter what. Mostimportantly, I’m a father to my three amazing children. I putthem first in everything I do and strive to set a good examplefor them every day.Q: When you speak to members of theBirmingham Association of REALTORS ,what do you hope they will take awayfrom the experience?Galloway: I hope they walk away with a renewed determination to crush their goals. Doesn’t matter who you are orwhat obstacles may be in your path, with the right motivation you can achieve anything you set your mind to.Q: You are an Alabama native. Wherewere you born?interested in learning more about theassociation are invited to participateRegister: BirminghamREALTORS.com/eventsReserve a Booth:BirminghamREALTORS.com/trade-showExhibitors: Only Affiliate Membersof the Birmingham Association ofREALTORS may exhibit. To join, emailmembership@BirminghamREALTORS.com. The program facilitates networkingbetween vendors and REALTORS .Booths range from 225 to 400.Sept. 6 & 7 Conference: 75 toregister; includes CE courses,Galloway: I was born in Birmingham and grew up in Midfield. I was attending my first semester at UAB (University ofAlabama at Birmingham) when 9/11 happened. I droppedout of college to join the military and never went back. I’mhoping they will give me an honorary degree one day!Q: You bravely served our country andthen bravely danced into the hearts ofAmerica on Dancing with the Stars. Howhave both of these impacted your life?Galloway: As a kid, I never thought I would go into the military. After joining though, I found a career and a communitythat I loved. Being in the Army taught me so much aboutleadership and teamwork. I use the skills I learned there every day. I never expected to be injured and leave that life soquickly. What I suffered and recovered from after that injurymade me who I am today. It made me a better person and a13 REALTOR of Central Alabama REALTORS nationwide and agentsbirminghamrealtors.comworkshops, Sept. 6 Opening GeneralSession with Bruce Bright and Sept.7 Young Professionals Networkclosing reception (YPN AfterGlowat Cantina Laredo Birmingham)Sept. 6 & 7 Back to the Future:Industry Innovations Expo: Freefor REALTORS to attendSept. 7 Membership Luncheonwith Noah Galloway: 35 perperson / 280 per table of eight;book signing follows (Living withNo Excuses: The RemarkableRebirth of an American Soldier)
better father. It made me look at life differently. Now I push myselfto get out of my comfort zone and do something with my life. I usethe lessons I learned to motivate others to do the same.DWTS was definitely out of my comfort zone! Before beingon the show, I had a good following of people who had seen mein races or on Men’s Health. But being on DWTS really boostedpeople’s awareness of me, so I have been able to use that to reacheven more
InterLinc Mortgage Services, LLC. NMLS ID: 205696. Alabama Consumer Credit License ID#: 21702. InterLinc is an Equal Housing Lender. DISCLAIMER: This is not a commitment to lend. Credit and collateral are subject to approval. Other restrictions may apply. Programs, rates, terms and cond
