The Sacramento Association of REALTORS® (SAR) Dues payment program is a loan to the applying and approved SAR Member. It  is intended to assist members of SAR in meeting their obligation to pay their REALTOR dues across an initial payment followed by five equal payments, rather than in one lump sum. 

Applicants understand that approved applications have an obligation to pay the full balance of the loan regardless of license status, membership status with SAR, or continued career in real estate. 

This application will be available through January 8th, 2027. Applications will not be accepted beyond this date. 

Members of the Sacramento Association of REALTORS® have an obligation to pay REALTOR® dues annually. As a service to its renewing members, SAR will loan, at no interest, the funds to pay these dues.

By electing this financing option, the Member understands that there is an obligation to pay the Membership dues and certain otherwise voluntary charitable and political contributions.

Dues, fees and contributions included in the $1,130.00 total payment program loan are as follows:

$350 - Local Allocation 
$351 - State Allocation, REALTOR® Action Assessment*
$201 - National Allocation and NAR Consumer Advertising Campaign Assessment
$148 - REALTOR® Action Fund Contribution**
$10 - SAR Charitable Foundation Contribution 
$10 - SAR Scholarship Trust Contribution10
$10 - C.A.R. CARES Fund
$50 - Application fee
$1,130 - Total

This loan is only available to those renewing Members paying the full amount of the components shown above which total $1,130.00.

This loan requires an initial payment of equal to the 1st installment payment, $499, this will count towards the total fee due of $1,130. The initial installment payment is your payment for the $148 to REALTOR Action Fund and the $351 C.A.R. Dues, which includes $168 REALTOR Action Assessment.  The remaining 5 monthly payments of $126.20 each will be due the 1st of the month, beginning in February. Each successive payment shall be due of the first of each month and considered late if not received by the fifth of each month. There is a late fee of $30.00 for each late payment. Below is a detailed payment schedule:

$499 - due during submission of this application. Covers C.A.R. Allocation* and RAF**). 
$126.20 - due February 1, $30 late fee applies beginning Feb. 6, 2027. 
$126.20 - due March 1, $30 late fee applies beginning Mar. 6, 2027.
$126.20 - due April 1, $30 late fee applies beginning Apr. 6, 2027.
$126.20 - due May 1, $30 late fee applies beginning May 6, 2027.
$126.20 - due June 1, $30 late fee applies beginning Jun 6, 2027.

It is the responsibility of the Member to log into their SAR portal at https://portal.sacrealtor.org, to complete their payments monthly. Invoices are created and emailed to the member at least 21 days prior to their dues dates. If payments are not received by the end of the month in which it is due, the member's REALTOR membership will be suspended. Unpaid amounts are subject to collection.

Dues and fees are non-refundable. The loan balance is payable immediately if Membership is terminated or transferred to another REALTOR® Association.

Political contributions are not deductible as charitable contributions for federal and state income tax purposes. Dues payments & assessments (Local Association, C.A.R., and NAR) and contributions to “REALTOR® Action Fund” are not tax deductible as charitable contributions. Contributions to the C.A.R. CARES Fund, SAR Charitable Foundation and Scholarship Foundation Trust are charitable and tax deductible to the extent allowable under both Federal and State law. However, the dues portion of your bill, excluding the portion of dues used for lobbying activities, REALTOR® Action Assessment and REALTOR® Action Fund, may be deductible as ordinary and necessary business expenses. Please consult your tax professional. 

ESTIMATED PORTION OF YOUR DUES USED FOR LOBBYING THAT ARE NON-DEDUCTIBLE: 

NAR 35.00% $55.00 
C.A.R. 52.27% $183.48 
Local 1.00% $3.50  

Dues Used for Lobbying That Are Non-Deductible: $241.98. 

* The REALTOR® Action Assessment ($168 of the $351) will automatically be deposited into CREPAC, CREIEC, and/or IMPAC and used for other political purposes. Those wishing to have their assessment entirely applied for more general political purposes may specify in writing, and it will be redirected to a different account instead of one of the dedicated California real estate PACs (CREPAC, CREIEC or IMPAC). Designated REALTORS® must pay the $168 REALTOR® Action Assessment for each licensee of that DR (as shown in the nonmember count), and the payment will be attributed to the Designated REALTOR®. 

** Make a difference by helping promote REALTOR® interests through the political process and designate an additional $148 or more to the REALTOR® Action Fund. $148 is the suggested additional voluntary contribution but you may give more, or less, or nothing at all. See additional information on the political contribution structure and allocation here. 

LEGAL NOTICES AND DISCLOSURES REGARDING DUES BILLING STATEMENT REALTOR® ACTION ASSESSMENT & FUND: Explanation and Legal Notice 

California Association of REALTORS® (C.A.R.) Political Action Committees: C.A.R. sponsors four Political Action Committees (PACs). CREPAC is used to support state and local candidates to further the goals of the real estate industry. CREIEC is an independent expenditure committee that independently advocates for or against candidates in accordance with the interests of the real estate industry. CREPAC/Federal supports candidates for the U.S. Senate and House of Representatives. IMPAC supports local and state ballot measures and other advocacy-oriented issues that impact real property in California. IMPAC is funded by your dues dollars. C.A.R. also supports the Advocacy Local Fund (ALF), a non-PAC fund for expenditures on general advocacy activities.

REALTOR® Action Assessment (RAA): This mandatory $168 state political assessment may be satisfied in one of two ways: either (1) a voluntary contribution to CREPAC, CREIEC, and/or IMPAC and/or other related political purposes or (2) a designation of the funds for political purposes in the C.A.R. general fund. You may include the entire amount in one payment, and if you do so, $168 will go into CREPAC, CREIEC and/or IMPAC, or other related political purposes. If you have an assessment that would result in a contribution of over $200 to CREPAC due to your DR and nonmember count, then any such amount that exceeds the $200 CREPAC limit will go into CREIEC. If you choose not to contribute to a PAC, you must do so in writing and the entire assessment of $168 will be placed in the C.A.R. general fund and used for other political purposes. PAC contributions from the REALTOR® Action Assessment will be allocated among CREPAC, CREIEC, IMPAC, and possibly ALF. The allocation formula is subject to change. Payment of the assessment is a requirement for maintaining membership.

REALTOR® Action Fund (RAF): REALTORS®, and REALTOR-ASSOCIATES® may also participate in RAF by including an additional voluntary contribution on the same payment as your dues and assessment payment. One hundred forty eight dollars ($148) is the suggested additional voluntary contribution, but you may give more, or less, or nothing at all. No member will be favored or disfavored by reason of the amount of his/her contribution or his/her decision not to contribute. Contributions to the REALTOR® Action Fund will be allocated among C.A.R.’s political action committees (CREPAC, CREIEC, and CREPAC/Federal) according to a formula approved by C.A.R. depending on whether it is a personal or corporate contribution. The allocation formula is subject to change, including re-designating a portion to IMPAC and ALF. Failure to contribute to RAF will not affect an individual’s membership status in C.A.R.

CORPORATE CONTRIBUTIONS to C.A.R.’s PACs are permissible and may be used for contributions to state or local candidates or for independent expenditures to support or oppose federal, state, or local candidates. However, current C.A.R. practice is to deposit all corporate contributions into CREPAC, CREIEC, IMPAC and possibly ALF in an allocation to be determined by C.A.R. A corporate contribution includes any contribution drawn from a corporate account.

PERSONAL CONTRIBUTIONS to C.A.R.’s PACs may be used for both state and federal elections and therefore may be deposited into CREPAC/ Federal in addition to all other C.A.R. political action committees. Personal contributions to the REALTOR® Action Fund will be allocated among CREPAC/Federal and CREPAC, CREIEC, IMPAC and possibly ALF in an allocation determined by C.A.R. and in compliance with applicable contribution limits.

If you are a California major donor and need specific information regarding your contributions, please contact the C.A.R. Controller’s office at (213) 739-8252. Contributions in excess of the contribution limits will be reallocated to another PAC connected with C.A.R. Under the Federal Election Campaign Act, an individual may contribute up to $5,000 in a calendar year to CREPAC/Federal.

Political contributions are not deductible as charitable contributions for federal and state income tax purposes. Federal and State law prohibit any individual from making political contributions (either RAA or RAF) in the name of or on behalf of any other person or entity.

NOTICE REGARDING DEDUCTIBILITY OF DUES, ASSESSMENTS AND CONTRIBUTIONS
2027 ESTIMATED PORTION OF YOUR DUES USED FOR LOBBYING THAT ARE NON-DEDUCTIBLE:

NAR      35.00% $55.00
C.A.R. 52.27% $183.48
Local   1.00% $3.50
Total Non-Deductible (Lobbying) Dues Portion: $ 241.98 

Dues payments and assessments for your local association, C.A.R. and NAR, and contributions to RAF are not tax deductible as charitable contributions. However, the dues portion of your bill, excluding the portion of dues used for lobbying activities, REALTOR® Action Assessment and REALTOR® Action Fund, may be deductible as ordinary and necessary business expenses. Contributions to C.A.R. CARES Fund are charitable and tax-deductible to the extent allowed under both federal and state law. Please consult your tax professional.

 All dues, assessments, and fees are non-refundable.

C.A.R. CARES FUND, SAR CHARITABLE FOUNDATION AND SAR SCHOLARSHIP FOUNDATION:
REALTORS® and REALTOR-ASSOCIATES® may make a voluntary, tax-deductible, charitable contribution to the C.A.R. CARES Fund, SAR Charitable Foundation (SARCF) and SAR Scholarship Foundation (SCHL)  with their dues payment. The C.A.R. CARES Fund is a charitable nonprofit organization exempt under Section 501(c)(3) of the IRS Code. CARES channels REALTOR® generosity to provide grants supporting C.A.R.’s charitable organizations focused on expanding homeownership, addressing California’s housing affordability crisis, providing scholarships, supporting real estate professional development, and helping members of the REALTOR® family recover after natural disasters. SARCF is a charitable nonprofit organizations whose purpose is to support organizations in the Sacramento community that address critical housing needs, basic needs and supporting sustaining communities. SCHL is a private nonprofit organizations that supports higher education through grants for students attending higher education.  Contributions to CARES, SARCF OR SCHL from both individuals and businesses are charitable and tax-deductible to the extent allowed under both federal and state law. For more information about CARES, visit www.give.car.org, email cares@car.org, or write to C.A.R. CARES Fund, 915 L Street, 1460, Sacramento, CA 95814. Information about SARCF and SCHL, visit www.sacrealtor.org.