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For the year 2018 we are honored to award two $1000 scholarships and six $500 scholarships in the names of Martin Cummings and Karen Lowe.

Martin Cummings was a resident of Wilson County and a leader in the Eastern Middle Tennessee Association of Realtors for many years. Martin was a very giving man.  He never met a stranger, knew everyone, and gave of his time and knowledge.

Karen Lowe is retiring this year after serving 31 years as director of EMTAR. Her leadership has been outstanding during a time of enormous growth and change in the real estate business in Wilson, Smith, and DeKalb Counties. Karen’s enthusiasm is contagious and her encouragement is invaluable to everyone she meets.


2018 EMTAR Scholarship Application


2018 will make the third year of the Martin Cummings and Karen Lowe scholarships.

To view the previous year's recipients click HERE.