www.elpasobuilders.
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Retirement Market 2019
Four Texas cities make list of best places to retire, El Paso just misses top ten
According to a recent list published
by US News & World Report, four
Texas cities rank in the top 25 locations
to retire. Austin, Dallas and San Antonio
rank within the top ten while El Paso
narrowly misses the top ten at number
eleven.
Excerpts from the article:
Best Places to Retire in 2019
These retirement spots provide the
amenities seniors want at a reasonable
cost.
Find your retirement spot.
Retirees have an opportunity to
relocate to a place that better suits their
interests and budget. The challenge is
finding a place that will meet all of your
429
PERMIT NO.
EL PASO TX
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PRSRT STD
retirement needs. A new U.S. News
analysis compared the 100 largest
metropolitan areas in the United States
as potential retirement spots. The study
included data about housing
affordability, happiness, desirability,
retiree taxes, the job market and
access to quality health care. The data
was weighted based on a U.S. News
online survey of people age 45 and
older about their retirement
preferences. Over half of the list
contains cities from just three states:
Florida, Texas and Pennsylvania. There
are seven cities in Florida that made
the 25 Best Places to Retire, largely
due to affordable homes, low taxes and
high ratings for happiness and
National, State & Local
Building Industry News
2018: Issue 10
desirability. The list also contains four
places in Texas and three Pennsylvania
communities that provide a high quality
of life at an affordable price. Here’s a
look at the Best Places to Retire in
2019:
1. Lancaster, Pennsylvania
Up from No. 2 in 2018, Lancaster
now tops the list of Best Places to
Retire due to increases in housing
affordability, the overall happiness of its
residents and access to health care.
This former capital of Pennsylvania is
located between Philadelphia and
Harrisburg. A variety of health care
services are available at Lancaster
General Hospital. The median home
price for retirees is just $198,500,
according to Census Bureau data. The
area has many historic sites, including
Wheatland, the home of former
President James Buchanan, and the
city played a key role in supplying
munitions for the Revolutionary War.
Surrounded by Amish farmland, old
warehouses and buildings are being
transformed into hip restaurants and
bars, and you can catch a show at the
ornate Fulton Theatre.
2. Fort Myers, Florida
Fort Myers jumped in the 2019
ranking due to increases in desirability
and happiness among residents.
There’s no state income tax in Florida,
which can benefit retirees with taxable
income sources. Located along
Florida’s Gulf Coast and the
Caloosahatchee River, Fort Myers is an
ideal place for those looking to spend
their retirement years fishing, boating or
relaxing at the beach. Fort Myers has
hot summers, but mild winters. Thomas
Edison and Henry Ford both escaped
from the cold at winter estates in the
area. The median home price of
$233,100 makes it affordable for
retirees to spend their winters or the
entire year in the Fort Myers metro
area.
3. Sarasota, Florida
Sarasota fell from the No. 1 spot to
No. 3, due to a slight decrease in
overall happiness and desirability,
according to surveys from U.S. News
and Gallup-Healthways. In September
2017, the powerful winds of Hurricane
Irma downed trees and upended
vegetation, and the area has spent
millions on the cleanup effort.
Nonetheless, housing remains
affordable, with a median home price of
$239,100 among people age 60 and
older. Sarasota Memorial Health Care
System and Doctors Hospital of
Sarasota provide health care and jobs
for the community. A bonus: There’s no
state income tax in Florida.
4. Austin, Texas
This state capital city is famous for its
live music and carefully cultivated
quirky culture. The area has a diverse
economy, and is a hub for tech jobs,
with major employers including Apple,
Dell, IBM and Samsung. Seton Medical
Center Austin and St. David's Medical
Center are major health care providers
for the area. Austin is also a college
town that is welcoming to retirees who
are interested in going back to school
or exploring some of the amenities of
the campus. Seniors age 65 and older
can take up to six credit hours tuition-
free at the University of Texas—Austin.
Housing can be expensive and costs
retirees a median of $283,500, but is
considerably more affordable than
home prices in coastal cities with
similar amenities.
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2 Builders Outlook
CONTINUED FROM FRONT PAGE
5. Pittsburgh
Sports fans can spend their retirement
years rooting for the many professional
sports teams in Pittsburgh, including the
Penguins, Pirates and Steelers. The
UPMC Presbyterian Shadyside hospital is
rated 15th in the nation, according to the
U.S. News Best Hospitals rankings. The
area also has several colleges, including
Carnegie Mellon University and the
University of Pittsburgh, where retirees can
take classes or enjoy sporting events.
Residents age 65 and older are eligible for
free public transportation on the bus and
rail systems, which makes it easier to get
around if you are no longer able to drive.
Pittsburgh’s many amenities might draw
you into the city, but it’s the low housing
prices that make it easy to stay. The
median home price among people age 60
and older is just $142,800.
6. Grand Rapids, Michigan
Grand Rapids is a haven for artists. The
entire city becomes an art gallery each fall,
with works displayed throughout
downtown, and the public and art experts
vote to allocate over $500,000 in ArtPrize
awards. Retirees with an interest in art
might be able to take on a volunteer role at
a museum, such as the Grand Rapids Art
Museum or the Frederik Meijer Gardens
and Sculpture Park. There are several
options for health care, including the Mercy
Health St. Mary's Campus and the
Spectrum Health-Butterworth and Blodgett
Campuses. Best of all, you don’t need a
fortune to join the art community in Grand
Rapids. The median home price among
people age 60 and older is just $171,100.
2018 Issue 10
7. Nashville, Tennessee
Nashville is best known for its
association with country music. Visitors
often attend live performances at the
Grand Ole Opry and visit the Country
Music Hall of Fame and Museum.
Tennessee’s state capital city has many
colleges and universities, including
Tennessee State University and Vanderbilt
University. Vanderbilt University Medical
Center is ranked No. 17 on the U.S. News
Best Hospitals Honor Roll. The city also
supports several professional sports
teams, including the Titans and Predators.
Housing in this musical city costs retirees
age 60 and older a median of $234,000.
The state of Tennessee doesn’t tax earned
income, but will tax your dividends and
interest.
8. San Antonio
The scenic vineyards and beautiful
green hills dotted with wildflowers of the
Texas Hill Country make for a peaceful
retirement spot. If you settle in San
Antonio, you get the benefits of the but property tax should be factored into Located between Tampa and Orlando,
sprawling countryside as wells as the housing decisions. Health care options both cities are within an hour’s drive from
amenities of the city. Health care is include the UT Southwestern Medical Lakeland.
provided by University Hospital, Methodist Center and Baylor University Medical 11. El Paso, Texas
Hospital and the Baptist Medical Center. Center. Sports fans will love the many El Paso is located in the westernmost
Retirees may be able to find a volunteer professional sports teams including the part of Texas and borders Mexico and New
role at the San Antonio Missions, including Cowboys, Mavericks, Rangers and Stars. Mexico. The Rio Grande separates the
the Alamo, a World Heritage Site. Housing 10. Lakeland, Florida area from the Mexican city of Ciudad
is affordable, costing retirees age 60 and Waterfront property is a big draw to this Juarez. El Paso scored particularly well on
older a median of $161,800. There’s also inland Florida area with 38 named lakes. the happiness metric, with many residents
no state income tax in Texas. The water views are affordable in saying they like what they do each day and
Lakeland, where the median home price feel motivated to achieve their goals,
9. Dallas-Fort Worth, Texas for people age 60 and older is just according to a Gallup-Healthways survey.
Dallas has a surprisingly affordable cost $146,500. Lakeland is the home of Florida Low housing costs add to the appeal for
of living for a large metro area. The Polytechnic University, an institution retirees. The median home price is just
median home price among people age 60 focused on STEM, which has an all-digital $107,600.
and older is $200,500, and the median rent library and supercomputer. Retirees should View the complete list at:
among retirees is $993 per month. The be prepared for hot and humid summers, https://money.usnews.com/money/retirement/
state of Texas doesn’t have an income tax, but winters are typically pleasant and mild. slideshows/the-best-places-to-retire?onepage
2018 Issue 10
President’s
Message
Edmundo Dena
President
el Paso association of Builders
it seems like we’ve gotten into and
out of october quickly. Time is flying
and with it you would think we’d slow
down, but frankly all of us are busy.
That’s good for us and the market as
we continue to see people willing
and wanting to buy a new house.
i’ve been involved in the Festival of
Homes this year and the turn out
has been solid. again, this shows
that the market is willing if things are
going right. For now, we’ll take all
we can get because those of us
who’ve been in the business for any
length of time understand that there
will be a down cycle that can happen
anytime. So, get it while the getting
is good.
i want to thank all who supported
the golf tournament with your
purchase of tee box signage or
putting a team in there. our
partners in this deserve a lot of
Builders Outlook
Fall in the air,
still busy time for all
thanks for stepping up. Haskins
electric continues its tradition of
Presenting Partner while HUnT and
Morrison find ways to feed the
throng. legacy Real estate
sponsored the drinks. and a note on
that for a fun fact. as the
tournament was starting the drink
cart was making its way up the
driveway and because of weight it
must go at a good clip. Somebody
stepped in front of it just as it got to
the top and the driver had to step on
the brakes. only problem was the
brakes couldn’t hold all the weight at
the angle of the slope so with a
slight bang the cart hit the wall and
couldn’t move. it took a little bit
before the tractor came out to pull it
up and out. We’d already started
play but that’s ok because we had a
story to tell about it. everything
worked out, no one was hurt, and
3
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everybody got a beer sooner of later.
By the way thanks to Ray and
Margaret for getting this done again, ediToRial SeRViceS
and to luis Rosas and Patrick Tuttle
for heading up the event.
We have the installation and
recognition awards event coming up
december 7. Ray is sending you
information and you can start
reserving your seats now. Join us in
installing Sergio cuartas as your
next President. He’s been working
hard to get the year off to a great
start. Support the end of year
installation. We’ll name the
outstanding builder member of the
year, associate of the year, special
recognition awards and maybe a
surprise or two. Mark your calendar
for Friday, december 7. 6-9:30 at
the Marriott airport. See you there.
Get Creative. Make it Snappy.
915•820•2800
www.snappypublishing.com
4
Executive’s
Builders Outlook
Message
Ray Adauto,
Fall in El Paso: Great weather, great time for golf
Executive
Vice President
EPAB
Of all the times that I really like
around El Paso is this time,
October and November. Seems
like the days are so nice, not too
hot, not too cold. This year we
got some much-needed rain from
a hurricane in the Baja. That
storm hit El Paso two days
before the Fall Golf tournament.
The weather on golf day was
spectacular, a real Chamber of
Commerce day.
My thanks go to all our
members who bought
partnerships. Presenting Partner
Haskins Electric; Lunch partner
HUNT; breakfast partner Morrison
Supply; beverages by Legacy
Real Estate; the Hole in One
giveaway by Franklin Building
Materials; long drives BIC Homes
and GECU; closest to the pin by
Hanson Asset Management. All
18 tee boxes were supported as
well. Thanks golfers and
volunteers. I know we had a
good time.
Elections are heating up and
the rhetoric is way too high. Our
concern is to make sure
candidates are running and
elected that support new home
construction in El Paso. I
recently sent out a request for
contributions to Build PAC. This
is the political arm that makes us
known to the politicians and
others for what we stand for.
Build PAC needs each member
to contribute so that we can
support those that support you.
You don’t have to be a builder to
contribute, anyone can, and we
encourage you to do so
generously. Build PAC is the
entity to put your contributions to
2018 Issue 10
locally. We also encourage
donating to HomePAC at the TAB
level. These midterm elections
are more heated than ever, yet
we need to focus on who’s
helping and who’s hurting your
industry. Be informed, give to
Build PAC, and vote. Vote for
candidates that help the industry.
YES, it’s that important.
Finally, we are finalizing three
important end of year projects.
The nomination and election of
the 2019 Board of Directors. The
Installation Banquet and Awards
night; and of course, the Real
Texas Builder Awards. RTB.
Stay tuned to emails and
messages in November for all
these things and much more.
 National
2018 Issue 10 Builders Outlook 5

Builder News

New Home Sales

Fall 5.5 Percent,
Affordability
Issues Continue
n Sales of newly built, single-
family homes fell to a seasonally
adjusted annual rate of 553,000
units after downwardly revised
August, July and June reports,
according to newly released data
by the U.S. Department of Housing
and Urban Development and the
U.S. Census Bureau. This is the
lowest sales pace since December
2016. However, on a year-to-date
basis, sales are up 3.5 percent
from this time in 2017.
“New home sales activity has
slowed this summer as housing
affordability remains a serious
issue,” said Randy Noel, chairman
of the National Association of
Home Builders (NAHB) and a
custom home builder from LaPlace,
La. “However, sales are up from
this time last year and builders
continue to report consumer
interest in housing.”
“Home price gains and rising
interest rates are slowing down the
housing market, particularly in high-
cost areas and among entry-level
buyers who are sensitive to price
increases,” said NAHB Chief
Economist Robert Dietz. “Builders
need to provide homes at different
price points to address these
affordability concerns. Meanwhile,
overall job and economic growth
should help support the housing
market in the months ahead as it
adjusts to higher mortgage interest
rates.”
A new home sale occurs when a
sales contract is signed or a
deposit is accepted. The home can
be in any stage of construction: not
yet started, under construction or
completed. In addition to adjusting
for seasonal effects, the September
reading of 553,000 units is the
number of homes that would sell if
this pace continued for the next 12
months.
The inventory of new homes for
sale was 327,000 in September.
The median sales price was
$320,000. Meanwhile, the median
home price in September 2017 was
$331,500, as the market has
shifted to lower-cost homes.
Regionally, new home sales rose
6.9 percent in the Midwest. Sales
fell 1.5 percent in the South, 12
percent in the West and 40.6
percent in the Northeast. On a
year-to-date basis, home sales are
higher in all regions expect the
Northeast, which has registered a
16.5 percent decrease in sales
volume.
6

November 2018 mortgage rates forecast

Builders Outlook 2018 Issue10

Mortgage
& Banking

‘There is no shortage of market-moving news in November.

Developments now will impact your ability to buy or refinance this
month and in the remainder of the year.’

themortgagereports.com

Mortgage rates are rising — as if unemployed worker for every Inflation is bad for mortgage rates. However, the group will look closely
trying to reach 5% predictions cast at available job. In other words, there The simple equation emerges: at results from the November 2
the beginning of 2018. are more jobs than workers to fill Hot economy = inflation = higher Employment Situation report. It will
As we head toward 2019, the five- them. mortgage rates look at the total “non-farm payrolls”
percent mortgage is imminent and is Compare that with 2009, when So what’s a home mortgage number — the increase or decrease
indeed already a reality for many there were more than 6 unemployed shopper to do? Simply lock in as soon in the number of non-agricultural jobs
applicants. workers for every available job. as you can. We won’t be getting off in the last month.
It’s a big psychological barrier, but It’s a “workers market,” and that’s this economic tour de force for a The group will also consider the
perhaps not a financial one. good for people in general, because while. year-over-year change in hourly
The difference between 4.875% and — just taking a wild guess here — The Fed meets again in earnings. If wages are rising, likely so
5% is less than $20 per month on the most of us would rather have income November is inflation. To curb inflation, the Fed
average mortgage size. than an ultra-low mortgage rate. The most recent meeting of the raises rates.
Plus, as rates rise, home prices But it’s not so good for those Federal Open Market Committee (aka But even if the Employment
often fall. Buyers may not need to looking to buy or refinance. “The Fed”) ended September 26. As Situation report is lackluster, expect
make sky-high offers to get a home. This worker shortage will eventually everyone expected, the group hiked another rate hike in December, at the
There’s good news for refinance lead to inflation as companies pay its benchmark federal funds rate. group’s final meeting of the year.
shoppers, too. Lenders are so more to hire and retain workers. While the action didn’t directly affect Twelve of the 16 Fed meeting
desperate for business that they are These firms then pass on those costs mortgage rates, it did lend to an participants predict one more hike in
ready to give you the lowest rate via higher priced products. overall environment of rising rates, 2018. That would make a total of four
possible. Higher prices for goods and which certainly doesn’t help the rate increases in 2018.
Think today’s market is all doom services is the very definition of mortgage rate shopper.
and gloom because of higher rates? inflation. The Fed meets again November 7-
Think again Related: How inflation changes 8. No one expects a rate move at this
mortgage rates meeting.
Predictions for November and
beyond
There is no shortage of market-
moving news in November.
Developments now will impact your
Hi Members,
ability to buy or refinance this month
and in the remainder of the year.
Rate forecasts at the beginning of
Take advantage of these great discount programs from the
the year have pretty much come true. National Association of Home Builders!
Most major housing and financial
authorities predicted rates somewhere
between 4.7% and 5.0% for 2018.
According to Freddie Mac, the
average 30-year fixed rate for an
ideal candidate jumped to 4.90%
before settling back at 4.86% at the
end of October. That’s even higher
than the rough 4.75% you get when
you average predictions from seven
agencies like Realtor.com and the
National Association of Home
Builders.
The good news is that we are not
very likely to see any more huge
jumps for the remainder of the year if
forecasts are accurate.
But, we are very likely to see a
gradual increase going into January
2019, starting the year in the high 4s
or even low 5s.
Been looking for a good rate on a
refinance or home purchase? Now
might be the time to lock.

The economy appears

unstoppable, and that’s bad for
rates
A hot economy is an enemy to low Your membership in our Home Builders Association entitles you to these great discount
rates, and there’s little doubt we’re in programs through NAHB Member Advantage. Save money and support your local associatio
a hot economy.
The unemployment rate is at 3.7% ww
www.nahb.org/savings
— the lowest in about 50 years.
There is now less than one
2018 Issue 10 Builders Outlook 7
Economic
Forescast

Gentrification is Good
Elliot Eisenberg
Economic & Policy
Blog

Over the past few decades, the term
“gentrification,” i.e. high-income
persons and households moving into
poor minority neighborhoods, who, in
doing so, push out significantly poorer
lifelong residents, has become one of
the most negatively loaded words in
urban circles. Almost everyone has
heard about a formerly inexpensive
community that over a decade
became very pricy and celebrated its
recovery with the arrival of a Whole
Foods selling overpriced kombucha
and GMO-free produce.
As appealing and as plausible as
this story may be, it’s an urban myth.
The best empirical analyses
conducted by urban economists have
failed to detect a rise in displacements
within gentrifying neighborhoods. This
finding goes so much against
conventional wisdom it seems
impossible, but it’s true. As a matter of
fact, researchers find that poor
residents are more likely to stay put as
their neighborhood improves.
Moreover, the benefits of
gentrification, in terms of reduced
crime and better amenities, more
employment opportunities, and
reduced commutes are rarely, if ever,
considered by naysayers.
There are three primary reasons
why many believe that the poor suffer
when wealthier residents move in. The
first is that while all Americans move
quite a bit, on average about 11.5
times during their lifetime, not
everyone moves an equal amount. For
example, from 2012 to 2013, 28
million Americans over age 15 moved:
11% of the population. Among
households with incomes over
$100,000, the percentage that moved
was just 7%, compared to 13% for
those with incomes below $5,000
excluding government benefits. As a
result, merely observing that there are
fewer poor in a neighborhood in no
way suggests that gentrification is to
blame.
A second explanation is that poor
neighborhoods have had so little
investment for so long, there is
considerable slack in both their
residential and commercial property
markets. In most middle- and upper-
class neighborhoods, virtually all
housing units, store fronts and office
spaces are occupied. So, the arrival of
a new household or business means
the departure of another. But in poorer
neighborhoods there are many vacant
storefronts and apartments, so much
so that relatively large numbers of
wealthier households can move in and
not push out existing residents or
businesses. One study calculated that
a low-income New York City
neighborhood could go from a
population that is 30% poor to 12%
poor over a decade without displacing
anyone.
Another reason the poor are not as
adversely impacted as one would
expect is that local governments often
promote affordable housing programs
such as rent control, inclusionary
zoning, or other rent stabilization
programs in neighborhoods that
experience rapidly rising rents.
Moreover, in neighborhoods
experiencing rapid price appreciation,
some market rate units are also built.
Because of this increase in supply,
rents rise less quickly.
Separately, but closely related to the
above, many persons who bemoan
gentrification simultaneously lament
racial segregation and the lack of
investment in non-white
neighborhoods. The introduction of
wealthier residents lessens the
percentage of poor persons, and that
has been shown to reduce teen
pregnancy and incarceration rates and
other such negative outcomes.
Moreover, in these communities these
improved social outcomes happen
through market forces and frequently
absent governmental intervention. To
argue against gentrification is to
encourage the status quo and insist
that poor neighborhoods remain poor
and segregated, and needlessly cut
off from opportunity.

Your retirement gets

closer every single day.

Will you be ready?

Planning for your retirement is easier with the
EPAB Membe Retirement Prograr

Companies with less than ten participating

employees can benefit from:

• Substantial Cost Savings

• Employer and Employee Benefits
• Retirement Planning Services
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Ruth Rivera
CFPA, C(k)P®
Certified 401(k) Professional

512-796-1205
Email:
rrivera@bukaty.com www.bukatyfs.com

Fall Golf has great turnout,
great weather
Butterfield Trail Golf Course. The
turnout was great with 20 teams
taking on the challenge. Winning
team after a scorecard playoff was
the WestStar Team.
The weather was beautiful, one of
the most perfect golfing days in the
history of the tournaments. That
allowed our players a great round of
golf. Course pro Tim Krebs and his
staff did a really nice job hosting the
association members. “We enjoy
having you guys come out and look
forward to hosting again,” he told the
Outlook.
President Edmundo Dena, playing
on the Sherwin Williams team had
nothing but praise for the event. “I
think we have some really good days
normally but today was just picture
perfect,” he said. “I want to thank all
the partners, especially Haskins
Electric, Morrison Supply and HUNT
for the food, Legacy Real Estate for
the beverages,” he continued.
“Please tell Margaret and her
volunteers’ thanks as well,” Dena
said.
Like every event that needs help
the volunteers were ready for
whatever was needed. First time
volunteer Susan Flores with Keller
Williams (a new member) was happy
A single source solution provider
centered around you.



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2018 Issue 10
BUILDERS OUTLOOK • EPAB ON THE SCENE
to be a part of the golf. “I enjoyed
being asked to help and am glad I
could, great time!” she said. Josie
Ledesma (Massey Johnson) and
Sandra Lucero (Builders Source
Appliance Gallery) also talked about
volunteering. “We have had times
when it was just Margaret and me,
but this time we had a really good
turnout to help with the goodie bags.
It was awesome. “Sandra said. “We
are glad to be a part of this
tournament, had a blast,” Josie said.
Massey Johnson donated the grand
prize golf bag among other cool
items.
Luis Rosas, co-chairman of the
event was on hand to greet the
players and thank the volunteers.
“We are so grateful to the members
for coming out, buying partnerships,
buying tee box advertising and
providing us with goodies,” Rosas
said. “Couldn’t be as successful
without them, but thanks also to Ray
and Margaret for putting it together,”
he concluded.
Preparations are under way for the
Spring Golf Tournament scheduled
for April 2019. The committee will
evaluate the location and confirm the
date. Stay tuned for information on
how you can participate.
new h o m e s . . .
f o r e l p a s o
y f o u n d h e re
easil
February 2017 •
FREE
el paso
builders
Introducing
El Paso New
Home Builders
magazine & website
ves.com for more
information...
Visit www.ElPasoMo
• Part of Homes of El Paso magazine

"
 ® • Mailed monthly to thousands of local homes
SM
#

SM • El Paso Airport distribution
• Stand alone magazine each quarter

Call Martha today for more

 

 
"
information at (915) 204-7017.
Brent Morgan, Regional Sales Mana
a ge r
bmorgan@centricity.com • 678.79
94 .9244 Another Mesa Publishing Publication, serving El Paso Home
Buyers for 25 years. www.MesaPublishing.com
www.ElPasoNewHomeBuilders.com
10
#Real Texas
builders www.elpasobuilders.com
The El Paso Association of Builders encourages you to work with our members.
Builder members
as of September 1, 2018
Bain Construction
Scott Bain
Althon Investments, LLC
Jose Luis Martin
Bella Vista Custom Homes, Inc.
Edgar Garcia
BIC Homes
Antonio Cervantes
Blue Sage Homes, LLC
Jaime Gonzalez
Blue Star Construction
Carlos Villasana
Bowling Construction
Randy Bowling
Carefree Homes
Richard Aguilar
Casas De Leon, LLC
Nick Bombach
Cisco Homes LLC
Francisco Arroyos III
Classic American Homes Southwest Land Development Serv.
Priscilla Hernandez
Crown Heritage Homes
Lydia Mlouhi
Cullers & Caldwell Builders
John Cullers
Cullers Homes
Jason R. Cullers
D B Innovations LLC
Dan Berry
Dawco Home Builders
Walter O. Lujan
Deal 2 Deal Custom Homes
Delton Deal
Del Rio Engineering, Inc.
Sal Masoud
Diamond Homes, LLC
Valerie Baquera
Donald Ward Builder, Inc.
Donald Ward
E. Valencia Land Development LLC Vista del Sol Archetectural Design
Eddie Valencia
Eclat Homes & Designs
Veronica Guerra
Edward's Homes, Inc.
Eduardo Fernandez
EPT Bella Custom Dream Homes
Leti & Javier Navarette
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
Rudy Guel
Hakes Brothers, LLC
Chris Hakes
Hanson Asset Management, LP
Russell Hanson
Homes by Design
Leslie Driggers Hoard
Hunt Communities, LLC
Kathy Parry
ICON Custom Builder, LLC.
Carlos Garcia
Industrial Realty Group Incorporated
Brent D. Harris
JER Custom Homes, LLC
Jorge E. Rodriguez
Kayton Lee Residential, Inc.
Brianna Barnes
Lloyd Hamilton Contruction Alvarado Plastering & Stucco, LLC
Lloyd Hamilton, III
LMJ Construction Co., LLC
Mike Lopez
Loyalty Homes
Gustavo Loy
M A Builders & Design, LLC
Mustafa Ali
Maravilla Homes
Victor Robles
Medlock Commercial Contractors LLC
Steve Medlock
Metro Homes, Inc.
Judith Arrunada, Fernando Torres
Builders Outlook 2018 Issue 10
©
Millennium Homes Barraza Drywall Corp. Eagle Custom Cabinets
Dan Ruth Ignacio Barraza Juan Benabidez
Pacifica Homes, Inc. Barrett Airworks Eagle Roofing Products
Juan Jose Vasquez Alexandro Castro Scott Aguilar
Padilla Homes Bassett Woodworks Edgar's Flooring
Misael Navarrete Danny Murillo Edgar Enriquez
Palo Verde Homes Beasley, Mitchell & Co., LLP EDLR Platering
Edgar Montiel Brad Beasley Eduardo De La Rosa
Pointe Homes Bella Vista Realty Edmund Esper
Carlos Villalobos Grisel Ortega Edmund Esper
Porter Homes Belmont's Air Conditioning, Inc. El Paso Audio Video by Design
Albert Porter Rafael Belmonte Joe Gutierrez
R.C. Baeza & Associates Big A Construction El Paso Building Materials
Robert C. Baeza Thelma Vasquez Ken Wade
R.E. Welch Contractor BMC Select El Paso Disposal
Gordon Welch David Quintana Irma Parsons
Rassette Homes, Inc. Boise Cascade El Paso Mortgage Bankers Association
Donald Rassette Mike Flores Gilbert Pedregon
Rosewood Design and Build Border Construction Specialties El Paso Times
Brianna Barnes Ricardo Yvellez Sal Hernandez, Justin Riley
Santana Custom Homes Border Solar El Paso Truss
Fernando Santana Javier Ruiz Luis Mendiola
Bordertown Carpets El Paso Winnelson
Doug Schwartz Brian M. Abraham Rene Goldfien
Spanish Oaks Custom Homes Builders Source Appliance Gallery Electrolux NA
Juan R. Saenz Sandra Lucero Adger Colley
The Heritage Group Bukaty Financial Companies Group Elizardo Garcia Electric
David Bingham Ruth Rivera Elizardo Garcia
Trejo Construction Co. C. D. Lee/Britton Insurance & Bonding ERA Sellers & Buyers
Juan Trejo Anthony Landavazo/Lisa Daniels Karla Reyes
Tropicana Building Corp. Cabinet Masters ESS Environmental and Safety Solutions
Bobby Bowling IV Mike Robles Jose L. Garcia Ramirez
Tropicana Development Carpet Warehouse EZE-R-DESIGNS
Greg Bowling Erez Belkin Leticia Mata
Tropicana Homes Casa Ford & Casa Nissan Farmers Ins.-Mercedes Ruiz
Randy Bowling Luke Lowenfield Mercedes Ruiz
Tropicana Properties Castillo Electric Felipe Rocha Construction
Demetrio Jimenez Jose Del Val Felipe Rocha
Vallance Construction LLC CEA Engineering Group Ferguson Enterprises Inc.
Oswaldo Prieto Jorge L. Azcarate Albert Holguin
Villagi Homes, LLC Central Texas Metal Roofing Supply Co.,Inc. Fire Smoke N' Grill
Kristi Eddings Ben Garza, III Bill Owen
Centricity First American Bank
Luis J. Lopez Brent R. Morgan Louis Sauceda
Will Harvey Development Century 21 The Edge First Light Federal Credit Union
Will S. Harvey Scott Kesner Lorenzo Revelez
Winton/Flair/Accent Homes Citizens Loan Center First National 1870
Herschel Stringfield Jim Easley Haley Merritt
City Bank Texas Firth, Johnston, Bunn & Kerr
Associate members Bob Kotarski Jay Kerr
as of September 1, 2018 City Lights Forge Factory Strength & Conditioning
Thomas Brown Edmundo Portillo
150 Sunset CMF Foxworth Galbraith Lumber
Danny Heredia Carlos Munoz Dan Villarreal
2-10 Home Buyers Warranty Cognent, Inc. Franklin Building Materials
James Hebert Martin Paredes Ricardo Aguilar or Cristina Sheldon
4 Tech A/C Service Commercial Insurance Brokers, Inc. G & G Enterprises Gen. Contractor
Enrique Hernandez Ken Foster Juan F. Garcia
84 Lumber Conde, Inc. G2 Ram Electric
Ernie Chavez Conrad Conde Luis Cano
915 Siteworks, LLC Copenhagen Imports GCC Sun City Materials,LLC
Hugo Jasso Flemming Carlsen Antonio "Tony" Chavez
A C Refrigeration, LLC CQC Testing and Engineering,LLC GE Appliances
Angel Cabrera Jaime Rojas Christine R. Villanueva
A Plus Remodeling & Repairs David Hernandez Cabinets GECU- Greater El Paso Credit Union
Martin Arroyos David Hernandez Danny Galindo
ABC Supply Co., Inc. David J. Ellis Fee Office for Sierra Title GEPAR-Greater El Paso Assoc. of Realtors
Larry Eck David J. Ellis Jason Sanchez
Acme Brick Company De La Torre Iron Works Go Pro Refrigeration
Steve Bush Alfredo de la Torre Humberto Diaz
Adams Moulding & Lumber Delek US dba 7 Eleven Goodman Mfg.
Tom Swahlen Sonja Scanlan Jorge Guajardo
Agustin Favela Concrete Demcon Disposal Management, LLC Great American Insurance Group
Agustin Favela Maria Elena (Nena) Gomez Julie Tomlinson
Alden R & R Services, LLC Desert Quest Plumbing Greater El Paso Chamber of Commerce
Alejandro Dena Hector Gonzalez David Michael Jerome
Allbrite Electrical Designer's Mart H P Roofing & Construction
Carlos Nunez Valerie Edmiston Heriberto Prieto
Diaz Services, Inc. Harris Real Estate Group
Jose Enrique Alvarado Emmanuel Diaz Lane Harris
Amelia's Janitorial Services Dominguez Insurance Agency Haskins Electric
Amelia Gomez Victoria Dominguez Charles B. Haskins, Jr.
Area Iron & Steel Works, Inc. Doors and More Hector De.La Canal Real Estate Group
Fred L. Edmonston Jr. Miguel Moran Hector De. La Canal
Atrium Homes Dorney Security Hector Phillips fee Office for Sierra Title
Ricardo Bocardo Jr. John Dorney Hector Phillips
Bank of Texas Dunn-Edwards Paints Hercules Industries
Ray Owen Nathan Gordon John Chaney
Baron Supply DWS Building Supply Hernandez Roofing
David Trammell Sabrina Voorhies Concepcion Hernandez
Barragan & Associates E.F. Building Materials, Inc Home of Texas
Benito Barragan Efren Fraire Amanda Eason
2018 Issue 10 Builders Outlook 11
Home Pros Real Estate Group MAK Roofing & Construction Randall Smith, CPA Stone City Rocks
Penny Moore Felix Vizarreta Randall Smith Chris Baca
Homes of El Paso Marlo Building Services Rebath of El Paso/Las Cruces StrucSure Home Warranty
Riley Stephens Roberto Martinez Lisa Walling Scott Whisenant
HUB International Masco Contract Serv dba Gale Insul Remcon Self Storage Su Casa Magazine
Luis Rosas William Homan Will Harvey Bob Skolnick
Imperial Construction Massey Johnson Rey Construction Supreme Lending
Alexandro Garcia Josie Ledesma Manuel Reyes Lisa Wren
Inter National Bank McCoy's Building Supplies RGR Roofing, LLC Sun City International Doors
Natalie Ojeda Doug Danner Marco Rodriguez Jorge Carmona
Interceramic Tile & Stone Gallery Merrill Lynch Richman Group Affordable Housing Corp. Sun City Spray Foam
David Holguin Thomas Gabriel Kevin Hoffman Fred Reynolds
J & H Concrete & Post Tension Miguel Sanchez Cano Rito Magallanes Sun City Winnelson
Jorge Herrera Miguel Sanchez Cano Rito Magallanes Dean Moore
J. B. Laminates Minerva Al-Tabbaa Realtor Rocky Mountain Mortgage Company Sun West Windows and Glass
Gina Rodriguez Minerva Al-Tabbaa Dean Inniss Ernie Hernandez
J. C. Balcorta Painting Mini Concrete Materials Roe, Brad Texas Gas Services
Cruz Balcorta Joe Soto Bradley Roe Mica Short
J. F. Plastering Moen Rudolph Chevrolet Texas Title Company
Juan Florez Frank Graf Mike Ruffin Steve Raney
Jack White Building Specialties Monster Link Marketing S & J Drywall, LLC TFCU
Claudia Lardizabal Raul Mendoza Yair Jalil & Sergio Jalil Yolie Melendez-Estrada
James L. Ellis, CPA, PC Moreno Cardenas, Inc. Saldivar Electric, Inc. The Dorian Group/Ocean Gallery USA
Jim Ellis Roberto Moreno Martin A. Saldivar Miguel Angel Mercado
JFM Enterprises, Inc. Morrison Supply Sarabias Blue Sanitation The Home Systems Heating & Cooling, Inc.
Jaime Flores Sam Shallenberger Monica Brown Jesus Chain
Jimmy Garza Emergency Water Removal MTI Ready Mix, Inc. SBNG, P.C. The Iron Snail Inc.
Jimmy Garza Tony Mullen Tyler Smith David Zuniga
Jobe Materials, LP New American Funding Segura Framing Trane Residential Solutions
Charlie Tellez Tania Guzman Erika Segura Robert Meske/ Kathleen Chacon
Joe Bernal Insurance & Financial Services, Inc. New Era Foam Senercon TRE & Associates
Joe M. Bernal George Tollen Javier Ruiz Linda Troncoso
Jose Moreno Dry Wall New Start Insulation Senpai Training and Development Trim Team
Jose Moreno Jose Carreon Leonardo Corral Juan & Kris Hernandez
Juan Carlos Perez Grading Oropeza Concrete Sergio Herrera Framing USA General Contractors
Juan Carlos Perez Angel Oropeza Sergio Herrera Javier Olmos
Keenan Supply Parra's A/C and Heating Service Serrano's Construction Value Stone
Nancy Rivas Aureliano Parra Juan Serrano Isabel Chacon
Keller Williams Pate & Appleby, LLP Service Master Commercial Vision Consultants, Inc.
Mo Goodarzi Richard De Santos Heidi Avedician Kelly Sorenson
Keller Williams Patriot Mortgage Sherwin Williams Paint VMP Painting
Susan Flores Randy Bowling Cruz Lopez Victor Prieto
L & P Building Supply Pella Windows Sierra Title Company /Lawyers Title W.W. Sales
Denise McConnell Jason Bates Angelique Roman, Marielsa Pulido Eric Hoppes
LCR Resource, Inc. Performance Glass & Aluminum Simpson Strong-Tie Company, Inc. Western Heritage Bank
Ralph Sanchez Hector Hernandez Ken Donham Kathy Carrillo
Legacy Real Estate Services/TTi Prop. Man. Perl Mortgage Snappy Publishing WestStar Home Loans
Patrick Tuttle Stephen Sepulveda, Gilbret Pedregon Ted Escobedo Cinco Houghton
Leon Real Estate Polar Mechanical LLC Soil Mechanics WestStar Bank
Jorge Leon Francisco Amezquita Lorenza Escareno David Osborn
LOI Engineers Post Tension Steel Solar Smart Living WestStar Title
Bernardino Olague Dennis Moore Larry Perea Rachel Valles
Lone Star Title Co. of El Paso Powerfoam Insulation Southwest Décor El Paso Corporation Whirlpool
Sam Trimble Arnie Pedersen Chris Matthews Gwen Walker
Love Engineering, Inc. Prewire of El Paso, Inc. Southwestern Prewire Wolf Air
Montez Love Steven Drury Joe Trejo Arturo Alcantar
Lowes Home Improvement Pride industries dba Pride Ascend Spectrum Technologies X Construction
Johnny Rodriguez Dr. Lonny Wright Miled Daou Emmanuel Chavarria
Loyas Shutters Q Martins Plumbing St. Mary's Custom Shutters
Alfredo Loya Jose Martinez Dolores Lopez
MagicStone Quality Granite Startech Heating and Air Conditioning
Marco Gomez Hector Porras Luis Procter
Majestic Realtors Ramon Romero Painting Stewart Title of El Paso
Patti Musshorn Ramon Romero Cindy Bilbe

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12
Save the Date!
EPAB Installation and special
recognition set for December 7
It’s that time of year when we begin
our transition from one administration to
another. The EPAB will host the
Installation of the new board and
executive on December 7 at the Marriott
Hotel on Airway at Montana. The event
will also allow the association to thank
outstanding members with special
recognition including the Builder Member
of the Year, Associate Member of the
Year, the life award Chaney-
Shallenberger Award, special recognition
to others and a surprise or two.
Reservations for the event are being
taken at the office and normally this sells
out fast. Seats are on sale for $65
person or reserved table of 10 for $600.
A delicious meal is included as well as a
Happy Hour sponsored by MTI Ready
Mix from six to 7 pm.
“I want to invite all of you to come to
the installation and enjoy a great time
with all of your friends,” said Sergio
Cuartas, incoming President. “I know
that a good time will be had by all”, he
concluded.
Traditionally the EPAB asks that you
AND THE
WINNER IS...
JANUARY 17, 2019
Builders Outlook 2018 Issue 10
bring an unwrapped toy for a child.
Those toys go out into the community
through the Junior Women’s Club who
have the difficult task of choosing who is
the benefactor of the toys and clothing.
“We try really hard to make sure that our
members donation is put to good use,
and with the smiles we’ve seen year after
year we know the toys are the hit of the
kids Christmas season,” said Angelique
Roman, a member of the JWC. “These
children have very little, and our selection
committee does a great job finding those
folks that might otherwise fall through the
cracks,” she said. Any gift you bring
should be unwrapped, so we can
determine boy or girl gift.
The installation will include the new
board of directors for 2019. They and the
executive team will be installed by Texas
Association of Builders Vice President
Randy Bowling. “I’m honored to be
asked to give the oath of office to my
home association members,” Bowling
told the Outlook.
To reserve your seats, contact
Margaret at 915-778-5387
CELEBRATING THE
BEST OF OUR INDUSTRY
Real TexaS builder AWARDS
©
EL PASO ASSOCIATION OF BUILDERS
2018 Issue 10 Builders Outlook 13

Upcoming Events
NOVEMBER 8 DECEMBER 7
BOARD MEETING INSTALLATION
EPAB OFFICE HAPPY HOUR
6:00-7:00
NOVEMBER 14 -16 DINNER &
TAB MEETINGS INSTALLATION
AUSTIN, TEXAS 7:00-9:30
MARRIOTT HOTEL

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 14 Builders Outlook 2018 Issue 10

Market Watch
nahb.org

Millennial
Homeownership
Rate Rises to 37%
According to the Census Bureau’s
Housing Vacancy Survey (HVS), the
U.S. homeownership rate was 64.4%
in the third quarter of 2018, which is
not statistically different from its last
quarter reading. The national
homeownership rate demonstrated
stability during a quarter in which
housing markets softened due to
declining affordability conditions. This
follows the rate dropping to a cycle
low of 62.9% in the second quarter
2016. Compared to the peak of 69.2%
in 2004, however, the homeownership
rate is still lower by almost five
percentage points.
The count of total households,
however, increased to 121 million in
the third quarter of 2018 from 119
million a year ago. Newly-gained
households are predominantly owner
households, while renter households
only increased by 60,000.
The homeownership rates among
all age groups under 64 increased
over the last year. Millennial
households, mostly first-time
homebuyers, registered the largest
gains among all households, a 1.2
percentage point increase from a
year ago. Millennials are gradually
returning to the for-sale housing
market, where gains in home price
are slowing down. The
homeownership rates of households
ages 45-54 and 55-64 experienced a
0.8 percentage point increase.
The nonseasonally adjusted
homeowner vacancy rate remained
low at 1.6% in the third quarter 2018.
At the same time, the national rental
vacancy rate went up to 7.1%, up by
0.3% from the last quarter.
The HVS also provides a timely
measure of household formations –
the key driver of housing demand.
Although it is not perfectly consistent
with other Census Bureau surveys
(Current Population Survey’s March
ASEC, American Community Survey,
and Decennial Census), the HVS
remains a useful source of relatively
real-time data.
The housing stock-based HVS
revealed that the number of
households increased to 121.4
million in the third quarter of 2018,
1.6 million higher than a year ago.
The gains are largely due to strong
owner household formation. Indeed,
the number of homeowner
households has been rising since
the third quarter 2016, while the
number of renter households has
been on the downward trend. In the
third quarter 2018, the number of
homeowners increased by 1.5
million, while the number of renter
 Builders Outlook 2018 Issue 10 El Paso Disposal
6046 Surety Dr. El Paso, TX 79905
915-778-5387 • Fax: 915-772-3038
■ ExEcuTivE OFFicERS
PRESiDENT
Edmundo Dena
Luis Rosas, HUB International
Brenda Aguirre, Rocky Mountain Mortgage
Sandra Lucero, Builders Source
772-7495
vicE PRESiDENT Ted Escobedo, Snappy Publishing
Sergio Cuartas Jorge Herrera, J&H Post Concrete & Post Tension
SEcRETARY Angelique Roman, Sierra Title
Edgar Garcia Patrick Tuttle, Legacy Real Estate
ASSOCIATES VICE PRESIDENT Sam Trimble, Lone Star Title
Sam Shallenberger Patricia Martinez, Stewart Title
ExEcuTivE vicE PRESiDENT Randall Smith, Randall Smith, CPA
Ray Adauto
PAST PRESiDENT ■ TAB STATE DiREcTORS
Don Rassette Randy Bowling - Life Director
Sam Shallenberger
■ cOMMiTTEE cHAiRS Edmundo Dena
Membership
Ted Escobedo ■ NATiONAL DiREcTORS
Patrick Tuttle Bobby Bowling, III
Demetrio Jimenez
Finance committee Leslie Driggers Hoard -Alternate
Kathy Carrillo/Treasurer Antonio Cervantes - Alternate
Henry Tinajero
Honorary Life Members
Community Outreach Mark Dyer
Angelique Roman

For All Your Electrical Needs

Wayne Grinnell
Brenda Aguirre Don Henderson
Patricia Martinez Anna Gill
Brad Roe
Land Use Council Rudy Guel
Sal Masoud

Residential Specialists
Past Presidents
Education committed to Serve
Kelly Sorenson Edmundo Dena

Tract Homes • Custom Homes

Delton Deal Edgar Montiel
Frank Torres
■ ADviSORY TO THE BOARD Frank Arroyos
Jay Kerr, Firth, Johnston, Bunn & Kerr Greg Bowling
Randy Bowling
■ BOARD OF DiREcTORS Bobby Bowling IV
Builders: Doug Schwartz
Delton Deal, Deal 2 Deal John Cullers
J.J. Vasquez, Pacifica Homes Robert Baeza
Leti Navarrete, Bella Custom Dream Homes Mark Dyer
Bud Foster, Southwest Land Development Kelly Sorenson
Kathy Parry, HUNT Communities Rudy Guel
Lee Gillett, Classic American Brad Roe

915-208-9313
Laura Loy, Loyalty Homes Herschel Stringfield
Walter Lujan, Dawco Homes Bob Bowling III

Total Customer
Fernando Torres, Metro Homes Pat Woods

800-853-3996
Leslie Driggers Hoard, Homes by Design Carlos Villalobos
Carlos Garcia, ICON Custom

Sal Masoud, Del Rio Development
Fernando Santana, Santana Custom Homes
Associates:
Joe Bernal, Joe Bernal Insurance
Henry Tinajero, WestStar Bank
Kathy Carillo, Pioneer Bank
John Chaney, Hercules Industries
Satisfaction
EPAB Mission Statement:
The El Paso Association of Builders is a federated professional
organization representing the home building industry,
committed to enhancing the quality of life in our community by
providing affordable homes of excellence and value.
The El Paso Association of Builders is a 501C(6) trade
organization.
© 2018 Builder’s Outlook is published and distributed for
the El Paso Association of Builders
by Ted Escobedo, Snappy Publishing, LLC

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