National, State & Local

Building Industry News

2017: Issue 11

www.elpasobuilders.com

Predictions for the 2018 housing market

Slower home price growth, continued inventory issues and evolving design trends ahead

by Marian McPherson
Staff Writer, Inman News

If only we could stare into a

crystal ball to see exactly what
2018 holds for the housing
market. More inventory? Yes!
Slower home price growth?
Absolutely! Oprah giving
everyone a free house? That
would be a dream come true.
For now we have forecasts from
top economists and housing
experts. And Zillow chief
economist Svenja Gudell offered
hers on behalf of Zillow.
Were on the other side of the
housing recovery, and the real
estate market looks quite different
than it did 15 or even five years
ago, Gudell said in a statement.
We have a huge generation
entering the market. They really
want to be homeowners, and
theyre faced with an inventory
crisis that leaves them with few
options.
Builders wont ignore this
hungry market, and well start to
see a rise in new construction at
the more affordable end, instead
of all the luxury buildings weve
seen lately, she added.
However, builders are also
facing high costs, so instead of
adding density in cities where
zoning laws and land costs often
preclude affordable building, well
see the suburbs grow and expand
outward.
Here are the six things Gudell
expects to happen in 2018:
1. Inventory shortages will
drive the housing market.
Gudell says low inventory will
continue to push up home prices
and serve as a barrier for first-
time homebuyers who struggle to
save for a down payment.
Furthermore, this demographic
of buyers will struggle to compete
against more seasoned buyers
who have profited from a home
sale and know how to negotiate
their way to the top.
Lastly, Gudell says there are 12
percent fewer homes to choose
from nationwide than there were a
year ago, and 51 percent of for-
sale properties are in the top one-
third of home values, which are
out of reach for first-time buyers.
2. Builders will turn their
focus to entry-level homes.
Economists have said over and
over again that increased
residential housing starts,
especially at the starter home
level, are the key to bringing
home prices down.
Housing starts have been well
below the 50-year average of 1.2
million, but Gudell expects
builders to finally hearken to the
call of first-time and lower- to
middle-income buyers yearning
for more affordable options.
3. Millennials will move to the
suburbs. Its no secret that the
majority of millennials would
rather live in urban centers with
access to a plethora of
entertainment and shopping
options and robust tech-centered
job opportunities. But most
millennials, especially those
without help from parents, cant
afford to live in these areas.
Gudell says 25- to 34-year-olds
will begin moving to the burbs in
search of more affordable home
prices.
4. Many homeowners will
remodel rather than sell. In
addition to higher housing starts,
experts have said more
homeowners selling their homes
would help alleviate low inventory
issues. Well, homeowners,
despite having high confidence
about being in a sellers market,
will continue to stay still, says
Gudell.
Instead of buying a new home,
homeowners will invest in
remodeling efforts to make their
current homes feel and look
brand new.
5. Baby boomers and
millennials will drive home
design. Baby boomers and
millennials are driving the housing
market, so its no surprise that
Gudell says theyll be driving
home design trends in 2018, too.
New starts and renovated
homes will feature designs that
appeal to both millennials and
baby boomers, such as wide
hallways that can accommodate
both strollers (for young families)
and/or wheelchairs (for aging
boomers).
Furthermore, homes will also be
built using frameworks that make
it easy to add elements later,
including extra support beams
behind shower walls to which
grab bars can be added as older
generations age in place.
6. Homes prices will continue
to grow, but at a slower pace.
2017 has been full of record-
breaking home price growth, with
economists calling it nearly
unstoppable.
Gudell says home prices are
expected to climb 4.1 percent in
2018 1.1 percentage points
higher than the normal annual
appreciation closer of 3 percent,
but slower than the current
annual pace of 6.9 percent.
2 Builders Outlook 2017 Issue 11

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2017 Issue 11
Presidents
Message
TAB Fall meetings wind up year on a successful note
I hope this finds everyone doing
well, especially as we go into a very
special time of the year. I just got back
from Austin after attending our fall TAB
meetings.
As usual it was informative,
energizing and good fellowship with
many area leaders from across the
state. In one of the early meetings, the
Government Relations Committee
gave a brief overview of the recent
85th Legislative Session.
It was reiterated that TAB was six for
six on passage of our priority bills and
none of the bills that we opposed were
passed. Expectations were more than
exceeded and probably will never be
obtained again to this high of a
degree.
Congratulations to the TAB staff, as
again we are not burdened or
encumbered with more regulations at
both the state and LOCAL levels. Up
next on the agenda was a working
lunch meeting for the local Presidents
Council. The biggest agenda item was
for next years membership drive. The
drive will be facilitated by the Oliver
Group who will work to increase and
retain members.
Builders Outlook
Don
Rassette
President,
El Paso Association
of Builders
Projected dates are:
April 9 -13 Training
April 16 20 Training
May 23rd and 24th 2 Day Drive
Sponsors will be needed for the kick-
off party, food and drinks for the 2-day
drive, wrap-up party ideas, PRIZES
and incentives for new members. This
Drive is of special importance as
EPABs retainage rate has been a high
priority and center of a lot of
discussion at the State and Local
levels.
For the record, this year in El Paso
we had an 82.8% retention rate for
members, which was the fifth highest
in the state and well above the state
average of 73%. Congratulations to
Ray and Margaret and all our
members! Lets not rest with this but
move forward to bigger and better.
The 2018 Leadership Conference
will be March 21, 2018, with the TAB
winter meetings to be held on March
22-23, 2018 at the Driskill Hotel in
Austin. Next, we shared our areas
biggest successes and challenges of
this year. The successes of each area
were very consistent throughout the
state: Government Relations
strengthened, Home Building Institutes
started, Young Designers
seminars/contests grew in
participation, high school trades
classes starting and resuming, home-
pacs grew, build-pacs grew, and speed
networking/sales events were held
once a quarter. One success that
everyone loved was from here in El
Paso, which was our monthly
breakfast between the El Paso
Building Department and our EPAB
officers and Ray. Other associations
will be looking to implement this in
their area. Kudos to us!
The last meeting for Thursday was
the Codes and Standards Committee,
where issues such as the TAB Model
Safety plan, TAB Storm Water
Program, TCEQ Storm Water Permit
Renewal, TDLR State Electrical and
Mechanical Code Updates, Code
Enforcement in the ETJs and Silica
Rule. Depending on how the TAB staff
does with each one of these areas in
the future, will determine how
encumbered or burdened with
additional expenses, we will have in
the building industry. On Friday
morning we started again. First up was
3
the Multifamily Council. Next, was the
Town Hall Meeting and then the area
caucuses meetings. In these caucus
meetings, positions were filled
including GRC-Builder and Alternate,
GRC-Developer and Alternate,
HOMEPAC Representatives, Area Vice
President, Area Associate Vice
President, TAB Committee
Assignments and Recommendations.
Congratulations to Sam Shallenberger,
for retaining area 5s associates voting
representative on the Sunbelt Show
Committee!! Then after lunch were the
executive committee meeting and
Board of Directors meetings.
Concluding our fall meetings on
Friday evening was the Texas Housing
Hall of Honor and Excellence in
Leadership Dinner. Congratulations to
Randy Bowling, as he is now on the
TAB Executive Officers ladder and will
be the 2020 TAB President!!
Follow your passions, Happy
Thanksgiving and be PREPARED TO
SUCCEEED!
4
Executives
Builders Outlook 2017 Issue 11

Message November: Time to turn over a new leaf D

id like to congratulate the incoming
board of Directors who were voted
Ray Adauto, into their spot at the november board
executive meeting. The list includes some
returning as well as several new
Vice President
board members. As an organization
ePAB
the challenge sometimes is finding
people to lead and in our case we
seem to find the right people at the
right time. We will install them at the
December 8 banquet along with the
new executive leadership.
edmundo Dena will take on the role
of President, Don Rassette moves to
Past President, Sergio Cuartas will be
VP and edgar garcia will fill the
Secretary spot. Congratulations to all
of you. Well feature the installation
party in the December issue.
The month of november is a
special month for me as i share the
month with two siblings for birthdays.
Sadly, it starts my dear sister Cecilias
on the 5th, sad because she passed
away about nine years ago. She and i
have a special bond because she
was like a second mom to me. i miss
her. My birthday is the 12th, and as a
kid i used to tell everyone that the
banks would be closed in my honor
since we celebrate Veterans day so
close to it. My youngest older brother
Hector is on the 15th. Hes a new
octogenarian joining my oldest
brother Alex in that group. i joined
the Medicare oldsters, turning 65. let
me warn you that getting to 65 is a
little bit victory and a little bit fearful.
There are new rules as you reach
that age, starting with signing up for
Medicare and Social Security
benefits. i found out that planning for
those two things is vital if you want to
get a handle on them. i ran into a
problem with social security as they
had me listed as being born in 1951
rather than my actual 1952. i have
been working since i was twelve, so
n
youd think that since they have been
taking out SS payments that my o
information would or should be
correct. Dont take that for granted
friends. it took calls and visits to the A
SS office as well as getting a certified
copy of my birth certificate before c
they believed what ive known all my T
life.
T
Just for your information applying
for benefits can start 3 months prior to P
your birthday month, your birthday
month, and 3 months after your
birthday month. if you miss those
months you will permanently lose
some of your potential payouts. Stay
aware, look for the changes that
come with time, and allow yourself
the time to do it right. And get a good
Medicare specialist to help you get
the right supplement. its confusing
and trying if you dont. i hope you get
to experience it someday.

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 National
2017 Issue 11 Builders Outlook 5

Builder News

New Home Sales Rate upward revision to the September reading, Regionally in October, combined single- and owners, who will see their housing tax

Reaches 10-Year High

according to newly released data from the U.S. multifamily housing production rose 42.2 incentives severely diminished. The bill
Department of Housing and Urban percent in the Northeast, 18.4 percent in the effectively renders mortgage interest and
Development and the Commerce Department. Midwest and 17.2 percent in the South. Starts property tax deductions unusable for middle
n Sales of newly built, single-family homes
This is the highest housing production reading fell 3.7 percent in the West. class home buyers and home owners. By
in October rose 6.2 percent to a seasonally
since October 2016, when total starts hit a Overall permit issuance in October was up threatening the value of the largest asset held
adjusted annual rate of 685,000 units from a
post-recession high of 1.33 million. 5.9 percent to a seasonally adjusted annual by most Americans, these changes will hurt the
downwardly revised September reading,
Single-family production rose 5.3 percent in rate of 1.297 million units. Single-family permits middle class by lowering household wealth.
according to newly released data by the U.S.
October to a seasonally adjusted annual rate of rose 1.9 percent to 839,000 units while The House bill also severely diminishes the
Department of Housing and Urban
877,000. Year-to-date, single-family starts are multifamily permits fell 9.5 percent to 458,000. effectiveness of the Low-Income Housing Tax
Development and the U.S. Census Bureau.
8.4 percent above their level over the same Permits rose in all four regions. They Credit (LIHTC), which is essential to spur the
This is the highest sales pace since October
period last year. Multifamily starts jumped 36.8 increased 13.0 percent in the West, 4.1 percent production and rehabilitation of affordable
2007. Year-to-date, new home sales are 8.9
percent to 413,000 units after a weak in the Northeast, 3.8 percent in the Midwest rental housing. With the nation already in the
percent above their level over the same period
September report. and 3.0 percent in the South. midst of an affordability crisis, undermining the
last year.
This uptick in housing production is aligned LIHTC will deal a crippling blow to keep
Chairman Granger
The October report shows strong sales
with our reports of strong builder confidence, housing affordable and available for those
growth at entry-level price points, said

MacDonald on Senate Tax

said Granger MacDonald, chairman of the citizens who are most in need. And the bill will
Granger MacDonald, chairman of the National
National Association of Home Builders (NAHB) make it far more difficult for small businesses
Association of Home Builders (NAHB) and a
Reform Plan
and a home builder and developer from to compete and thrive because it
home builder and developer from Kerrville,
Kerrville, Texas. Our members are optimistic disproportionately benefits corporations.
Texas. In markets where builders are able to
about the future of the housing market, even as n Granger MacDonald, chairman of the Given the major shortfalls in the House tax
provide homes for families with different
uncertainties remain and they continue to face National Association of Home Builders (NAHB) reform bill, NAHB will look to the Senate to
household budgets, they can fulfill a growing
supply-side issues. and a home builder and developer from craft a better package that meets the needs of
demand for housing.
We are seeing solid, steady production Kerrville, Texas, today issued the following middle class families and the small business
There is solid growth in the number of sales
growth that is consistent with NAHBs forecast statement on the House passage of The Tax community.playing field with large
contracts signed before construction has
for continued strengthening of the single-family Cuts and Jobs Act: corporations.
begun, a strong indicator that new single-family
sector, said NAHB Chief Economist Robert The Tax Cuts and Jobs Act is a bad deal for
home production should continue to grow as
Dietz. As the job market and overall economy hard-working American families. It provides a
we look ahead to 2018, said NAHB Chief
continue to firm, we should see demand for huge windfall to major corporations paid for in
Economist Robert Dietz.
housing increase as we head into 2018. large part by millions of working class home
The inventory of new homes for sale was
282,000 in October, which is a 4.9-month
supply at the current sales pace.
New home sales increased in all four
regions. Sales rose 30.2 percent in the
Northeast, 17.9 percent in the Midwest, 6.4
percent in the West and 1.3 percent in the
South.

Multifamily Developer
Confidence Weakens
n The Multifamily Production Index (MPI),
released today by the National Association of
Home Builders (NAHB), dropped 10 points to
46 in the third quarter of 2017. This is the
lowest reading since the second quarter of
2011.
The MPI measures builder and developer
sentiment about current conditions in the
apartment and condominium market on a
scale of 0 to 100. The index and all of its
components are scaled so that a number
above 50 indicates that more respondents
report conditions are improving than report
conditions are getting worse.
The MPI provides a composite measure of
three key elements of the multifamily
housing market: construction of low-rent
units, market-rate rental units and for-sale
units, or condominiums. Two of the three
components decreased in the third quarter:
market-rate rental units and for-sale units
both fell 17 points to 43 and 40, respectively,
while low-rent units edged up one point to
54.
The Multifamily Vacancy Index (MVI),
which measures the multifamily housing
industry's perception of vacancies, increased
three points to 41, with lower numbers
indicating fewer vacancies. After peaking at
70 in the second quarter of 2009, the MVI
first improved dramatically, then edged back
up, and has been fairly stable since 2013.
Were starting to see various markets
across the country become oversupplied with
multifamily construction, so builders and
developers are pulling back a bit, said Dan
Markson, senior vice president of The NRP
Group in San Antonio, Texas, and chairman
of NAHBs Multifamily Council.
Multifamily production had been quite
strong, although it slowed down in the past
three months, said NAHB Chief Economist
Robert Dietz. And with approximately
600,000 units in the pipeline, builders and
developers are taking a cautious approach
until they see how the market absorbs these
units when they come online.
For data tables on the MPI and MVI, visit
www.nahb.org/mms.

Housing Starts Up
Sharply, Near Post-
Recession High
n Nationwide housing starts rose 13.7
percent in October to a seasonally adjusted
annual rate of 1.29 million units after a slight
6
Los Angeles Takes Top Spot as Nations
Least Affordable Housing Market
San Francisco, which has been the
nations least affordable housing market for
nearly five years, was supplanted by Los
Angeles in the third quarter of 2017,
according to the National Association of
Home Builders (NAHB)/Wells Fargo Housing
Opportunity Index (HOI) released today.
In all, 58.3 percent of new and existing
homes sold between the beginning of July
and end of September were affordable to
families earning the U.S. median income of
$68,000. This is down from the 59.4 percent
of homes sold that were affordable to
median-income earners in the second
quarter.
Though builder confidence remains
strong, they continue to deal with the long-
term repercussions of this devastating
hurricane season, which has exacerbated
chronic labor and lot shortages and put
upward pressure on material and home
prices, said NAHB Chairman Granger
MacDonald, a home builder and developer
from Kerrville, Texas.
Solid economic growth, along with
ongoing quarterly job gains and rising
household formations, are fueling housing
demand, said NAHB Chief Economist
Robert Dietz. Tight inventories and a
forecast of rising mortgage interest rates
through 2018 will keep home prices on a
gradual upward path and slowly lessen
housing affordability in the quarters ahead.
The national median home price rose to
$260,000 in the third quarter from $256,000
in the second quarter of 2017. Meanwhile,
average mortgage rates inched up two basis
points in the third quarter to 4.1 percent from
4.08 percent in the second quarter.
For the fourth consecutive quarter,
Youngstown-Warren-Boardman, Ohio-Pa.,
was rated the nations most affordable major
housing market. There, 90.1 percent of all
new and existing homes sold in the third
quarter were affordable to families earning
the areas median income of $54,600.
Builders Outlook Issue 11
Meanwhile, Wheeling, W.Va.-Ohio, was rated
the nations most affordable smaller market,
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quarter being affordable to families earning
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Rounding out the top five affordable major than ever. As an authorized member of Builder Agent Network, were
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Hazleton, Pa.; Indianapolis-Carmel-
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Other major metros at the bottom of the
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affordability chart were located in California.
In descending order, they included Anaheim-
Santa Ana-Irvine; San Jose-Sunnyvale-Santa
Clara; and Santa Rosa.
All five least affordable small housing
markets were also in the Golden State. At the
very bottom of the affordability chart was
Salinas, where 11.3 percent of all new and
existing homes sold were affordable to
families earning the areas median income of
$63,100.
In descending order, other small markets at
the lowest end of the affordability scale
included Santa Cruz-Watsonville; San Luis
Obispo-Paso Robles-Arroyo Grande; Napa;
and San Rafael.
Please visit www.nahb.org/hoi for tables,
historic data and details.
2017 Issue 11
Economic
Forescast
Elliot Eisenberg
Economic & Policy
Blog
With the possibility of tax reform and tax
cuts right around the corner, it is important
to understand how the proposed doubling
of the standard deduction will impact
households and will essentially render the
mortgage interest deduction irrelevant for
almost all US home owners!
The current Republican plan raises the
standard deduction from $6,350 to $12,000
for single filers and from $12,700 to
$24,000 for married couples filing jointly.
While the much larger standard deduction
looks very advantageous, the new tax plan
eliminates the personal exemption, which is
currently $4,050/person. This means that
the increase in tax-free income rises by just
$1,600 ($12,000 - $6,350 -$4,050) for
single filers and by $3,200 ($24,000 -
$12,700 - $8,100) for married couples filing
jointly. While these sums are not trivial,
they are also not as large as advertised.
The Unified Framework developed by the
White House and the Republicans also
proposes eliminating all itemized
deductions except for mortgage interest
and charitable donations, and state and
local property taxes up to a cap of $10,000.
While this appears to largely maintain the
status quo, think again. Traditionally, tax
filers added up mortgage interest,
ExpertAdvice
Tax Strategies
by Ruth Rivera, VP Bukaty Financial
Taxes are all the talk right now but that's
not why we're reaching out to you. Yes,
there are major proposals being batted
around to adjust tax code. This could be the
most comprehensive tax reform since 1986
when Ronald Reagan was President and a
smart phone could only be described as a
regular phone with a picture of Isaac Newton
stapled to it. We will let our opinions be
known as soon as these tax proposals
become the law of the land, but until then,
we will leave all pontifications on the matter
to the swamps of Washington. We do,
however, want to reach out to you today to
make you aware of tax-optimizing strategies
that may be of relevance and need to be
acted upon before the clock strikes midnight
on the year 2017. Many tax strategies only
need to be acted upon before the April 15th
tax filing deadline of the following year, but
here are several important considerations
that require attention before the New Year's
revelry. They are:
Maximize funding to Employer-Sponsored
Contribution Plans (401k's, 403b's, etc.)-
While each employer-sponsored
contribution plan may have slight underlying
differences, traditionally every employee can
contribute $18,000 per year to their
company retirement plan while workers
aged 50 and older can contribute an
additional $6,000, for a total contribution of
$24,000. It is important to contribute to
these tax-friendly plans throughout the year
but it is a prudent decision to review
balances before the end of the calendar year
to see if you have additional assets available
to contribute that will correspondingly
reduce your taxable income.
Charitable Gifting Part 1 - For those over
Builders Outlook 7
The Late Great Mortgage Interest Deduction
charitable donations, state and local taxes,
and healthcare expenses. If those
deductions (the most commonly used)
collectively exceeded the standard
deduction, itemizing would make sense
and ones tax burden would decline.
Now, not only is the standard deduction
almost doubling, but the deductibility of
state and local income taxes and
healthcare expenses is being eliminated.
This means that to itemize, the sum of
mortgage interest paid, charitable
contributions, and property taxes must
exceed $24,000. Few married couples hit
that threshold. I estimate that no more
than 6 percent of all households will
itemize under the proposed plan compared
to about 27 percent today.
in itemized deductions including $8,000 for percent, with the decline increasing the
Moreover, the deductions of those who
state and local income taxes, $2,000 in more expensive the house and the higher
will still itemize will be worth less than
charitable donations, $2,000 in property the bite taken by both state and local
before. This is because the tax advantage
taxes, and $8,000 for mortgage interest. income taxes.
of itemizing depends entirely upon how
By itemizing now, that couple can reduce By nearly doubling the standard
much ones itemized deductions exceed
their taxable income by an additional deduction and doing away with several key
the standard deduction and ones marginal
$7,300 ($20,000 minus $12,700, the itemized deductions, the proposed
tax rate. Given the increase in the size of
current standard deduction). If in the 25% Republican tax plan will, if it becomes law -
the standard deduction, the amount by
tax bracket, the tax savings on that and that is still a big if - reduce the value
which ones now smaller itemized
additional $7,300 are $1,825. But, as state of itemizing and the mortgage interest
deductions exceed the newer, higher
and local income taxes will no longer be deduction even though mortgage interest
standard deduction will necessarily fall.
deductible, this couple would then only will remain deductible. And that will lower
And, as lowering tax rates is a part of this
have $12,000 in deductible expenses. As house prices.
plan, the after-tax tax savings from
that is lower than the $24,000 standard Have a wonderful Thanksgiving, a merry
itemizing will necessarily decline as well.
deduction, they would not itemize despite Christmas and a happy 2018 and see you
As for the mortgage interest deduction, I
paying $8,000 in mortgage interest. in January! (Remember, I will not be writing
estimate that the percentage of households
This inability to deduct mortgage interest, an article in December).
that currently own their home and will still
despite it being technically deductible, will Elliot Eisenberg, Ph.D. is President of
be able to deduct mortgage interest will fall
make home ownership slightly less GraphsandLaughs, LLC and can be reached at
from the current level of about 33 percent Elliot@graphsandlaughs.net. His daily 70-word
appealing, and that will reduce the demand
to about 7 percent. economics and policy blog can be seen at
for home ownership, thus lowering house www.econ70.com. You can subscribe and have the
Here is an example to show why.
prices. To be specific, house prices are blog delivered directly to your email by visiting the
Suppose a husband and wife have $20,000 website or by texting the word BOWTIE to 22828.
likely to fall by between 5 percent and 10
70.5 years old who are forced to take
required minimum distributions (RMD's)
from their IRA accounts, Congress recently
made permanent a fantastic tax advantaged
way to donate to your favorite charity. If you
were born in 1947 or earlier, you can
contribute directly to a charity of your choice
and reduce tax consequences at the same
time. If you fit the parameters above and
make sizeable contributions to a qualified
charity, this is unequivocally the best option
at your disposal.
Charitable Gifting Part 2 - Donating
appreciated assets (like stocks and mutual
funds) in taxable accounts is a great way for
anyone at any age to fund their charitable
preferences. The current tax code
encourages charitable contributions by
allowing donors, in most cases, to reduce
their taxable income by the amount of any
completion prior to these deadlines. the end of calendar year 2017 may provide
gift. For example, a donor in a 40%
Funding 529 College Education Savings extra tax related benefits.
combined federal and state tax bracket
Accounts - Every individual state has their The above list is not all-encompassing
generally receives $4,000 in tax savings
own laws in place, but most provide and more importantly, needs to be
from a $10,000 charitable contribution. A
excellent opportunities via 529 College discussed with your tax professional. We do
donation of appreciated long-term capital
Education Savings Accounts to allow not hold ourselves out as tax professionals,
gain assets can offer even greater tax
parents, grandparents, or whomever to and we recommend consulting with your tax
benefits because gifts are deductible at full
contribute (for example, Kansas is $6,000 expert based upon your particular
fair market value - up to 30% of the donor's
per child beneficiary). This amount can be circumstances. In our opinion, tax advice
adjusted gross income. Since the securities
deducted from state income taxes. These and investment advice should come from
are donated rather than sold, the donor will
contributions then grow tax-free with no separate sources. The only thing worse than
not incur any capital gains taxes from selling
future capital gains consequences as long Bernie Madoff managing your money would
the securities. The more appreciation the
as the assets are used for qualified have been Bernie Madoff managing your
securities have, the greater the tax savings
education expenses (tuition, books, etc..) taxes as well. However, our job as your
will be. This is also a great way for our team
Pre-Payment & Additional Payment Plans dedicated investment team is to manage
to be able to rebalance your taxable
- Again, if you're blessed enough to have a your investments well and optimize
portfolios without incurring tax
little extra money laying around at the end of efficiencies. These are important
consequences. PLEASE NOTE: Charles
the year, it is a prudent choice to pre-pay or discussions to have and we would not be
Schwab has set a deadline of Friday,
make additional payments where available. doing our job if we failed to encourage you to
December 1, 2017 for mutual fund gifting,
Making an extra payment on your mortgage put the puzzle pieces of your financial life in
and Friday, December 15, 2017 for stock.
or if you make estimated quarterly tax to the correct tax positions.
Please notify us of your intentions so that we
payments getting these payments in before
may get necessary paperwork to you for
EPAB ON THESCENE
Young Designers
The school year is about four months old
and our participants in the Young Designer
Contest are busy vying for scholarships.
The students from the El Paso
Independent School Districts CTTE
program took field trips to visit construction
sites with Loyalty Homes. The students
were broken up into two groups, Juniors
and Seniors, due to the large number of
participants. We had to do a two-day
excursion because weve had really good
interest in the YD, Cecilia Orozco,
instructor, told the Outlook.
When contacted about hosting the
students there was a quick response from
Gus Loy, President of Loyalty Homes. Ive
done the presentations with the students
numerous times and I love having them
come out and ask questions, see the work,
and more importantly understand the
complexity of building a home, Gus Loy
said. For the students its a hands-on
opportunity the helps them visualize the
problem they are working on. One student
from Austin High School told us that this
trip really makes their drawings come to
life. Others agreed that it is important to
see the site, look at the steps it takes to
construct a home and the hidden parts that
consumers dont see. I think that it is
important to know how much goes on
behind the walls, a student from El Paso
High told us.
The students were treated to donuts out
at the site by John Chaney, Chairman of
the Young Designer Scholarship Contest.
We get the kids to go out and learn from
what they see, then hopefully they will
continue in the industry and be a
professional in some part of what we do,
he told us. I try to give them some advice
and hope that they understand this is a
great industry that needs them for sure,
Chaney concluded. The students were
then brought to the EPAB office to have
pizza and pop. All of the students were
grateful for the experience and the food.
This is my second time and I told the first
timers how much fun and learning wed get
from this. Tell the members thanks one
student told us.
The contest will not be decided until April
as the students complete the problem and
work to present some outstanding plans
and designs.

u
CELEBRATING
EPAB
THE BEST OF EPAB
EL PASO ASSOCIATION OF BUILDERS
INNOVATION u DESIGN u EXCELLENCE u ACHIEVEMENT

ENTRY INFORMATION
COMING SOON

AWARDS CEREMONY
SPRING 2018
 2017 Issue 11

Concerned about health

coverage?

Premiums increasing
again this year?

NOW YOU HAVE A

CHOICE.

Introducing a program
exclusively for members of
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Program EPAB Health Program.

Call today to get information about the new

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11240 Vista del Sol, El Paso Texas 79936
10 Builders Outlook 2017 Issue 11

15
YEAR
FIXED RATE COMMERCIAL REAL ESTATE LOAN
PURCHASE OR REFINANCE

COMMITTED TO HELPING YOUR RATES AS LOW AS

%
BUSINESS GROW 5.00
6068 Gateway East
El Paso, TX 79905
Kathleen Carrillo
www.pioneerbnk.com 915.782.2420
Interest rate will be determined by credit worthiness. Any individual or entity with ownership of 25% or more will be required to guaranty the line. Lowest credit score of guarantors will determine
interest rate. Rate is valid beginning 8/1/2017. Opening fee of $775. Applicant authorizes Pioneer Bank to obtain an investigative or consumer report from a credit bureau or a credit agency and to
investigate the references given on any other statement or data obtained from applicant. The sole purpose of the information we request is for verification of eligibility, criminal background and
fraudulent activity. Loan to Value (LTV) based on the lesser of cost to build, if new, purchase price or appraised value. Rates may vary based on competition within an indivudual market. Loan is only
availabl as a 1st lien position. Normal financial documentation and underwriting guideliines apply according to the Commercial Loan Policy. Pre-payment penalty applies from 2-3 years. Loan is
available for owner-occupied and non-owner-occupied.

In Texas anyone with a truck and a hammer can call themselves a builder.
Protect your biggest investment by choosing a Real Texas Builder, a
member of the El Paso Association of Builders.

A Real Texas Builder is a professional who invests in our community and

works hard to build you the best home money can buy .

Real Texas Builders are genuine, legitimate, educated and committed to

the advancement of the home building industry.

Visit www.elpasobuilders.com for a list of our

Real Texas Builder members
2017 El Paso Association of Builders 6046 Surety Drive El Paso Texas 915-778-5387
2017 Issue 11 Builders Outlook 11

nahb.org/MA
12
EPAB Membership
Builder members
as of June 1, 2017
AT Architectural Designs
Elsa Taracena
Accent Homes
Mark Dyer
Bain Construction
Scott Bain
Bella Homes
Leti Navarrete
Bella Vista Custom Homes, Inc.
Edgar Garcia
BIC Homes
Antonio Cervantes
Blue Star Construction, LLC.
Carlos Villasana
Carefree Homes
Richard Aguilar
Casas De Leon, LLC
Nick Bombach
Classic American Homes
Priscilla Hernandez
Crown Heritage Homes
Lydia Mlouhi
Cullers & Caldwell Builders
John Cullers
Cullers Homes
Jason R. Cullers
Custom Dream Homes
Leti & Javier Navarrete
D. R. Horton Homes
Jaime Gonzalez
Dawco Home Builders
Walter O. Lujan
Deal-2-Deal Homes
dba Deal-2-Deal,LLC
Delton Deal
Del Rio Engineering, Inc.
Sal Masoud
Diamond Homes, LLC
Valerie Baquera
Donald Ward Builder, Inc.
Donald Ward
E. Valencia Land Development LLC
Eddie Valencia
Edward's Homes, Inc.
Eduardo Fernandez
EPT Land Communities
David Bogas
Everest Homes
Edmundo Dena, Jr.
Fortune Custom Homes
Javier Andrade
Gaddy Construction
Charles Gaddy
GMF Custom Homes, LP
Frank Torres
Guel Construction Bonded Builders Home Warranty Grp.
Rudy Guel
Hakes Brothers LLC
Chris Hakes
Hanson Asset Management, LP
Russell Hanson
Homes by Design C. D. Lee/Britton Insurance & Bonding
Leslie Driggers Hoard
Hunt Communities, LLC
Kathy Parry
Icon Custom Home Builder, LLC.
Carlos Garcia
Industrial Realty Group Incorporated
Brent D. Harris
JER Custom Homes, LLC
Jorge E. Rodriguez
Kayton Lee Residential, Inc.
Brianna Barnes
LMJ Construction Co., LLC
Mike Lopez
Loyalty Homes
Gustavo Loy
M A Builders & Design, LLC
Mustafa Ali
Metro Homes, Inc.
Fernando Torres, Judith Arrunada,
Millennium Homes
Dan Ruth
New Horizon Builders
Georgiana Garcia
Pacifica Homes, Inc.
Juan Jose Vasquez
Palace Homes, Inc.
Robert Diaz
Palo Verde Homes
Edgar Montiel
Pointe Homes
Carlos Villalobos Demcon Disposal Management, LLC
Porter Homes
Albert Porter
R.C. Baeza & Associates
Robert C. Baeza
R.E. Welch Contractor
Gordon Welch
Builders Outlook
Updated every month, here is a list of the 2017 EPAB Membership.
Remember to please do buinsess with fellow members.
Rassette Homes, Inc.
Donald Rassette
Santana Custom Homes
Fernando Santana
Southwest Land Development Serv.
Doug Schwartz
The Heritage Group
David Bingham
Trejo Construction Co.
Juan Trejo
Tropicana Building Corp.
Bobby Bowling IV
Tropicana Development El Paso Mortgage Bankers Association
Greg Bowling
Tropicana Homes El Paso Star Ready-Mix Concrete Inc.
Randy Bowling
Tropicana Properties
Demetrio Jimenez
Villagi Homes, LLC
Kristi Eddings
Will Harvey Development
Will S. Harvey
Winton/Flair Homes
Herschel Stringfield
Associate Members
as of November 30, 2017
2-10 Home Buyers Warranty
Michael Elman
84 Lumber
Ernie Chavez
915 Siteworks, LLC
Dan Guevara
ABC Supply Co., Inc.
Larry Eck
Acme Brick Company
Vanessa Rocha; Steve Bush
Adams Moulding & Lumber
Tom Swahlen
Area Iron & Steel Works, Inc.
Fred L. Edmonston Jr.
Atrium Homes GECU- Greater El Paso Credit Union
Ricardo Bocardo Jr.
Bank of Texas Greater El Paso Chamber of Commerce
Ray Owen
Barnett & Bennett Construction
Ben Trzyna
Baron Supply
David Trammell
Barragan & Associates
Benito Barragan
Barrett Airworks
Alexandro Castro
Beasley, Mitchell & Co., LLP
Brad Beasley
BMC Select
Jaeson Iovinella
Boise Cascade
Mike Flores
Bill Deal
Border Solar
Javier Ruiz
Builders Source Appliance Gallery
Kathy Rose, Sandra Lucero
Anthony Landavazo; Lisa Daniels
Cabinet Masters
Mike Robles
Cardel Design Group
Lorraine Huit
Casa Ford & Casa Nissan
Luke Lowenfield
CEA Engineering Group
Jorge L. Azcarate
Central Texas Metal
Roofing Supply Co.,Inc.
Ben Garza, III
Chaparral Materials, Inc.
Kevin Fortin
City Bank Texas
Bob Kotarski
City Lights
Thomas Brown
Cognent, Inc.
Martin Paredes
Commercial Insurance Brokers, Inc.
Ken Foster
Conde, Inc.
Conrad Conde
CQC Testing and Engineering, LLC
Jaime Rojas
Dal-Tile
Joseph Cepeda
Delek US dba 7 Eleven
Sonja Scanlan
Maria Elena (Nena) Gomez
Dempsey, Cooper & Lane, Llc
Richard T. Dempsey
Desert Quest Plumbing
Hector Gonzalez
Dunn Edwards Paints
Nathan Gordon
2017 Issue 11
Dorney Security MTI Ready Mix, Inc.
John Dorney Tony Mullen
DWS Building Supply Neeuhome.com LLC
Sabrina Voorhies Walter Pichardo
E.F. Building Materials, Inc. New American Funding
Efren Fraire Brenda Trillo
Eagle Roofing Products New Era Foam
Scott Aguilar George Tollen
El Paso Building Materials Passage Supply
Ken Wade John Chaney
El Paso Disposal Patriot Mortgage
Irma Parsons Randy Bowling
Pella Windows
Randi Cabrera Jason Bates
Performance Glass & Aluminum
David Armendariz Hector Hernandez
El Paso Times Pioneer Bank
Jose Molina Kathy Carrillo
El Paso Truss Prewire of El Paso, Inc.
Luis Mendiola Steven Drury
El Paso Winnelson Post Tension
Rene Goldfien Dennis Moore
Ferguson Enterprises Inc. Powerfoam Insulation:
Albert Holguin Metlspan NCI Group, Inc.
First American Bank Arnie Pederson
Luis Sauceda, RAC Doors Unlimited, Inc.
First Light Federal Credit Union Charles Foxx
Lorenzo Revelez Randall Smith, CPA
First National 1870 Randall Smith
Haley Merritt Real Estate Weekly Newspaper
Firth, Johnston, Bunn & Kerr Riley Stephens
Jay Kerr Rebath of El Paso/Las Cruces
Foxworth Galbraith Lumber Lisa Walling
Dan Villarreal Remcon Self Storage
Franklin Building Materials Will Harvey
Ricardo Aguilar; Cristina Sheldon Richman Group Affordable Housing Corp.
G2 Ram Electric Kevin Hoffman
Luis Cano Rocky Mountain Mortgage Company
GCC Sun City Materials, LLC Dean Inniss
Victor Tito Marquez Roe, Brad
Bradley Roe
Brenda Aguirre Rudolph Chevrolet
Art Smith
Richard Dayoub Saldivar Electric, Inc.
GEPAR-Greater El Paso Martin A. Saldivar
Assoc. of Realtors Sarabias Blue Sanitation
Sharron Ramirez Monica Brown
Hardware Specialties Saguaro Corporation dba EP C & D
Jeff R. Paxton Recycling Sean Gillespie
Harris Real Estate Group Senercon
Lane Harris Javier Ruiz
Haskins Electric Sherwin Williams Paint
Charles B. Haskins, Jr. Cruz Lopez
Home of Texas Sierra Title Company/Lawyers Title
Mark Smiley Angelique Roman
Home Performance Testing Simpson Strong-Tie Company, Inc.
Fernando Garcia/Ray Gonzales Ken Donham
HUB International Snappy Publishing, LLC
Luis Rosas Ted Escobedo
Insight Mortgage Company Solar Smart Living
Shawn Weeks Larry Perea
Interceramic Tile & Stone Gallery Southwest Dcor El Paso Corporation
David Holguin Chris Matthews
Inter National Bank Spectrum Technologies
Natalie Ojeda Miled Daou
J & H Concrete & Post Tension Stewart Title of El Paso
Jorge Herrera Cindy Bilbe
James L. Ellis, CPA, PC StrucSure Home Warranty
Jim Ellis Scott Whisenant
Jimmy Garza Su Casa Magazine
Emergency Water Removal Bob Skolnick
Veronica Buchanan Sun City Winnelson
Jobe Materials, LP Dean Moore
Charlie Tellez Texas Gas Services
Joe Bernal Insurance Mica Short
& Financial Services, Inc. Texas Title Company
Joe M. Bernal Steve Raney
L & P Building Supply TFCU
Denise McConnell Yolie Melendez-Estrada
Legacy Real Estate Services The Dorian Group/Ocean Gallery USA
/TTi Prop. Management. Miguel Angel Mercado
Patrick Tuttle The Home Systems Heating & Cooling, Inc.
Lennox Industrie Jesus Chain
Sharon Horton Trane Residential Solutions
Lone Star Title Co. of El Paso Robert Meske/ Kathleen Chacon
Sam Trimble TRE & Associates
Love Engineering, Inc. Linda Troncoso
Montez Love Trim Team
Majestic Realtors Juan & Kris Hernandez
Patti Musshorn USA General Contractors
MAK Roofing & Construction Javier Olmos
Felix Vizarreta Vision Consultants, Inc.
Masco Contract Services Kelly Sorenson
dba Gale Insulation WestStar Home Loans
Tom Harmon Cinco Houghton
McCoy's Building Supplies WestStar Bank
Julie Reyes David Osborn
Mechanical Technologies WestStar Title
Jaime Zubiate Janette Coon
Mingos Painting & Remodeling
Erik Chavarria
Morrison Supply
Sam Shallenberger
 13
Association
2017 Issue11 Builders Outlook

If you have an event or meeting that you would like to share with
News & Events
EPAB members, please submit your information to:
margaret1@elpasobuilders.com

UPCOMING

DECEMBER 8
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EVENTS
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MARRIOTT HOTEL BUILDERS SHOW for el paso...
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DECEMBER 14 il y f o u n d h e re
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EPAB OFFICES BOARD MEETING
EPAB OFFICES
February 2017
FREE

el paso

builders

Introducing
El Paso New
Home Builders
Condolences to the family of
Scotty Clark on the loss of his
magazine & website
mother Phyllis,
November 21, 2017
...
more information
oMoves.com for
Visit www.ElPas

Part of Homes of El Paso magazine

Condolences to the Joseph
Mullings family on the death of
Mailed monthly to thousands of local homes

Haskell Monroe, past President El Paso Airport distribution

of UTEP.
CONDOLENCES
College Station, TX
Stand alone magazine each quarter
November 1, 2017. Call Martha today for more
information at (915) 204-7017.
Connect to the
Another Mesa Publishing Publication, serving El Paso Home
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9400 Gateway East
El Paso, TX
79907
(915) 593-1301
(800) 356-9546
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www.efbmi.com
 14 Builders Outlook 2017 Issue 10

EPAB
Member News

Fall
Tournament:
A great day
for Golf!
The EPAB held its fall golf
tournament on November 1 at Vista
Hills Country Club. The event was the
second fun tournament of the year as
the format changed from a pro-am to
all comers tournament. The field was
full of enthusiastic golfers and
wannabees as the shotgun went off.
Our host professional Terry Jennings
worked with golf Chairman Sam
Shallenberger to bring out a great day
of golf. Predictions of cold or
windy/rainy weather were once again
dismissed as the day turned out
beautiful. Our presenting Partner
Haskins Electric had a terrific day of
sponsorship. We look forward to
helping the Association with the
tournament, something that we really
like to do, said Chuck Haskins.
Breakfast sponsor HUB International
provided breakfast burritos, coffee,
juice and an opportunity to network
before the event. Lunch was
sponsored by partner HUNT
Communities. Kathy Parry told the
Outlook that she really enjoyed the day
out on the course. This is a blast for
us and we (HUNT) enjoy partnering for
it.
A special $10,000 hole in one was
sponsored by Joe Bernal Insurance
and HUMANA our new partner for the
Association Health Plan.
Unfortunately, no one hit the money.
Morrison Supply teamed up with
Electrolux and Kohler to bring some
great gifts for the drawing. First the
Kohler commodes were set up on the
course and required players to tee off
while sitting on one. It was a hilarious
way to break up the game and more
than one player had something to say
about it. I have to say that my drive
was remarkably well hit from the sitting
position, Sam Trimble told the
Outlook. One of his teammates
Patrick Tuttle even took to Facebook
Live to record and present the shot.
We all had fun teeing off from the
commode, said Patrick.
Our thanks to chairman Sam
Shallenberger and to staff Margaret
Adauto for putting this event on. We
would like to thank all the members
who bought tee box signage, brought
goodies for the bags, or volunteered
time on the course. Our next golf
outing will be in the spring so keep an
eye out for the announcement.

 

 
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 Builders Outlook 2017 Issue 11 El Paso Disposal
6046 Surety Dr. El Paso, TX 79905
915-778-5387 Fax: 915-772-3038
ExECuTiVE OFFiCERS
PRESiDENT
Don Rassette
ViCE PRESiDENT
TABSTATE DiRECTORS
Randy Bowling - Life Director
Sam Shallenberger
Edmundo Dena
772-7495
EdmundoDena
SECRETARY/TREASuRER NATiONAL DiRECTORS
SergioCuartas Bobby Bowling, IV
ASSOCiATES ViCEPRESiDENT Demetrio Jimenez
SamShallenberger Leslie Driggers Hoard -Alternate
ExECuTiVE ViCE PRESiDENT Antonio Cervantes - Alternate
Ray Adauto
PAST PRESiDENT Honorary Life Members
Carlos Villalobos Mark Dyer
Wayne Grinnell
COMMiTTEE CHAiRS Don Henderson
Membership Anna Gill
Ted Escobedo Brad Roe
Patrick Tuttle Rudy Guel

Finance Committee Past Presidents

Kathy Carrillo Committed to Serve
Henry Tinajero Edmundo Dena
Edgar Montiel
ADViSORYTOTHEBOARD Frank Torres
Jay Kerr, Firth, Johnston, Bunn & Kerr

For All Your Electrical Needs

Frank Arroyos
Greg Bowling
BOARDOFDiRECTORS Randy Bowling
Bobby Bowling Iv
Fernando Torres Metro Homes Doug Schwartz
John Cullers

Residential Specialists
Henry Tinajero West Star Bank
Jay Kerr Firth, Johnston,Bunn & Kerr Robert Baeza
Joe Bernal Employer Benefits Ep Mark Dyer
John Chaney Passage Supply Kelly Sorenson

Tract Homes Custom Homes

John Dorney Dorney Security Rudy Guel
Kathy Carrillo Pioneer Bank Brad Roe
Kathy Parry Hunt Companies Herschel Stringfield
Leti Navarette Bella Homes/Custom Dream Bob Bowling Iii
Linda Troncoso TRE & Associates Pat Woods
Leslie Driggers-Hoard Homes By Design
EPAB Mission Statement:
Robert Foster Southwest Land Dev. Services
The El Paso Association of Builders is a federated professional
Walter Lujan Dawco Builders organization representing the home building industry,
Edgar Garcia Bella Vista Custom Homes committed to enhancing the quality of life in our community by
Jason Cullers Cullers Homes providing affordable homes of excellence and value.
Samira Gonzaelz Icon Custom Homes The El Paso Association of Builders is a 501C(6) trade
Sal Masoud DRE Development organization.

915-208-9313
Ted Escobedo Snappy Publishing 2017 Builders Outlook is published and distributed for
the
Patrick Tuttle Legacy Real Estate Services

Total Customer
El Paso Association of Builders

800-853-3996
Sam Trimble Lone Star Title by Ted Escobedo, Snappy Publishing, LLC
Luis Rosas Hub International ted@snappypublishing.com

Satisfaction
Delton Deal Deal -2-Deal Homes El Paso Texas 915-820-2800
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2016 Builder Member Of The Year 2016 Associate Of The Year

Carlos Villalobos StrucSure Home Warranty

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