www.elpasobuilders.
com
5 Housing Trends to Watch for this year
Market conditions to influence housing beyond 2019
Home shoppers may have it
easier in 2018. Inventory
constraints of for-sale homes
and rising home prices may
finally start to ease next year,
according to realtor.com®’s
2018 National Housing
Forecast.
“Next year (2018) will set the
stage for a significant inflection
point in the housing shortage,”
says Javier Vivas, director of
economic research for
realtor.com®. “Inventory
increases will be felt in higher
priced segments after spring
home buying season, which
we expect to take hold and
begin to provide relief for
buyers and drive sales growth
in 2019 and beyond.”
Here’s a closer look at
realtor.com®’s five housing
prediction trends for 2018:
1. Inventory to start increasing:
Realtor.com® projects positive year-
over-year inventory growth by the fall
of 2018—which will be the first time
National, State & Local
Building Industry News
2018: Issue 1
to a larger potential buyer pool as N.C., are expected to be the highest
well as a more limited number of performers. Sales in these markets
homes available for sale in this price are predicted to increase by 6
range. percent or more. Nationally, sales
growths are predicted to grow by 2.5
3. Millennials to gain market percent. “The majority of this growth
share: Finally, the long-held can be attributed to healthy building
predictions may hold true. Millennials levels combating the housing
may reach 43 percent of home shortage,” realtor.com® notes in its
buyers taking out a mortgage by the report. “With inventory growth just
end of 2018, up from an estimated around the corner, these areas are
40 percent in 2017, realtor.com® primed for sales gains in years to
projects. The largest cohort of come.”
millennials are expected to turn 30 in
2020. "Millennials are a driving force 5. Tax reform: Tax reform could
in today's housing market," Vivas dampen 2018 sales and price
since 2015. “Inventory declines are
says. "They already dominate lower forecasts, realtor.com® reports. citing
expected to decelerate slowly
price home mortgage and are getting provisions that are likely to decrease
throughout the year, reaching a 4
percent year-over-year decline in
close to overtaking older generations incentives for mobility and reduce
March before increasing in early fall,
for mid- and upper-tier mortgages. ownership tax benefits.
While financially secure in general, “On the flip side, some taxpayers,
after the peak home-buying months,”
their debt to income ratios have including renters, are likely to see tax
realtor.com® notes in its report. The
started to increase as they compete cuts. While more disposable income
cities expected to see inventory
for higher priced homes." for buyers is positive for housing, the
levels recover first are Boston;
Detroit; Kansas City, Mo.; Nashville;
loss of tax benefits for owners could
and Philadelphia. The majority of this
4. The South to lead in sales lead to fewer sales and impact prices
growth: Realtor.com® forecasts that negatively over time with the largest
growth will be in the mid- to upper-
Southern cities will top national impact on markets with higher prices
tier price points (which includes
averages in home sales growth in and incomes.”
homes priced above $350,000). On
2018. Markets like Tulsa, Okla.; Little
the other hand, recovery in the
From: realtor.com
starter home market likely will linger
Rock, Ark.; Dallas; and Charlotte,
since levels are “significantly
depleted by first time buyers,”
realtor.com® notes.
2. Price appreciation to slow:
Home buyers likely will see home
prices moderate in the new year.
Realtor.com® forecasts home prices
to slow to a 3.2 percent growth year
over year nationwide. For
comparison, home prices in 2017
posted a 5.5 percent increase. The
majority of the slowing price
appreciation will be centered in the
higher-priced ranges as more
inventory becomes available. Entry-
level homes, on the other hand, likely
will continue to see price gains due
A Real Texas Builder TM is a professional who invests in our
community and works hard to build you the best home
money can buy.
Real Texas BuildersTM are genuine, legitimate, educated and
committed to the advancement of the home building industry.
2 Builders Outlook 2018 Issue 1

Planning for retirement?

If not now, when?

Introducing a retirement program
exclusively for members of the
El Paso Association of Builders.

Companies with less than ten participating

employees can benefit from:

• Substantial Cost Savings

• Employer and Employee Benefits
• Professional Retirement Planning Services
• $500 Tax Credits for First Three Years

Companies with larger numbers of participating

employees can realize even more savings and
additional program benefits.
First Month Free! “Because every company is unique, it is important to
Act now to qualify for this special discount. personally meet with you to talk about how you and your
Offer Expires May 1, 2018 employees can benefit the most from this exclusive program.
Call me today!”

Ruth Rivera
CFPA, C(k)P®
Certified 401(k) Professional

512-796-1205
Email:
rrivera@bukaty.com www.bukatyfs.com
2018 Issue 1 Builders Outlook
President’s Edmundo
Message
Dena
President,
El Paso Association
of Builders
Association
Welcome to 2018. I’m proud
Leadership
to serve another term as
President for the EPAB and look
ready to work
forward to doing so. I made the
commitment in a time of need
hard in 2018
for the association and as with
other past Presidents we
always stand ready when the
we are needed. I have often
said that it takes a full year in
office to get to the point of
actually knowing what you’re
doing. Well now I have the
opportunity to put my
knowledge to use and I promise
that I will do that. But there is
something that I want you to
know up front. This job of
President isn’t a one person
show. It really takes a team
and I’m honored that we have a
great group of volunteer leaders
ready, willing and able to take
on the roles. The 2018 Board
of Directors are dedicated to
work for the benefit of all, and
the newest members are
anxious to make a difference.
We have an aggressive
schedule for the year. Our first
board meeting was jammed
packed with reports and a bylaw
change. We don’t change or
modify the bylaws often so
doing so was something we
have been working on for a
while. I want to thank Don
Rassette for his leadership and
the time and effort he has given
to us. It was Don who quietly
worked to bring some changes
and to update some bylaws that
needed to get done. We aren’t
done yet as we have some
serious work ahead of us.
I think that what I want you to
know that we are a committed
board, a board ready to work.
We also want to get more
members so we need to work
hard to do so. This is important
as we are involved in many
projects for the good of the
industry. We’ve held talks with
the City of El Paso, the County
of El Paso, and soon we’ll be in
3
talks with other entities who
regulate or influence our
industry. I’m excited that
Randall Smith is our first guest
speaker for the year at our
February general meeting. We
need to know how best to utilize
the new tax codes so we can
continue to grow. I also am
glad to see all the partnerships
we have for upcoming events.
Thank you for that.
So as we move into 2018 I
want to say that it’s important
for all of us to be engaged in
our association. Come to the
meetings, come to the events.
Use the association. Most of all
let’s have a great 2018.
4
Executive’s
Builders Outlook 2018 Issue 1

Message And we are off and running at EPAB D

Ray Adauto,
executive
Vice President
ePAB
new year, new goals. The work
of the association got rolling with the
first board meeting of the year.
lot’s of processes to get working
through but none more important
than getting the bylaws updated.
The Board approved the move to
incorporate the treasurer position
out of the ladder and into a more
permanent professional position
coming out of the finance committee
and approved by the executive. our
new treasurer is Kathy Carrillo who
will be working that position.
Thanks to the board, the executive
and to Kathy for making this
happen.
The annual trip to the international
builder’s show is something we look
forward to. The trip to orlando is
never easy and this year that trip
was complicated with bad weather,
delays and cancellations. My trip
was supposed to be a no brainer.
Fly to Houston, grab a bite for lunch,
fly to orlando. Then the captain
changed that for me and the others
on board. First let me say thanks to
the ground crew for noticing the leak
of hydraulic fluid while we were on
the tarmac. Changing planes, flight
plans, and all that goes with that is
better on the ground that while
landing. The folks at Southwest
Airlines were put in a no win
position but they did the best they
could. i learned a few lessons
during the experience. First of all,
there is nothing in your control
except your attitude. Here’s a life
lesson for you. During an
experience like this you are not the
one in control except that. There
were some silly examples of
rudeness especially with a lady who
was not a part of our flight but rather
a flight to Austin. She didn’t hear
the announcements (and yes there
were at least three that i heard) that
the gate for the flight to Austin had
moved. Well apparently she didn’t
and the flight left without her. Boy
did she scream bloody murder! Had
i been behind the desk i would have
told her to go to American or
greyhound and have a nice day.
Clearly her fault, considering over
110 other passengers got on board
the flight and maybe her luggage.
Don’t know how the rest of her day
went but then there’s always some
Forrest gumpism for people like
this.
n
i was able to see some of our
members who attended the show. o
looks like everyone had a good
review, but nothing is better than A
las Vegas for these types of
gatherings. We’ll be looking into
doing a board meeting at that show c
if we can. great show, lots to see T
and some cool things. T
our Parade of Homes is going full P
bang. nine builders will present
April 7-15 in a jam packed week of
new homes at Artcraft and Westside
Drive. My thanks to Southwest
land for their cooperation in
bringing this show to fruition. Make
plans to attend our Preview Party on
Friday April 6.
For a list of upcoming events
please look on our coming events
section or visit elpasobuilders.com

PRINT & INTERNET

*
PUBLISHING
SoCiAl MeDiA & WeBSiTe

*
ConTenT MAnAgeMenT

*
e-MAil neWSleTTeRS

CoMMUniCATion
STRATegY

eDiToRiAl SeRViCeS

innovative design & desktop

publishing since 1984

ted escobedo
ted@snappypublishing•com
talk & text: 915•820•2800

Get Creative. Make it Snappy.

www.snappypublishing.com
 National
2018 Issue 1 Builders Outlook 5

Builder News
Remodeling Market
Indicators Hit High
n The National Association of Home
Builders’ (NAHB) Remodeling Market Index
(RMI) posted a reading of 60 in the fourth
quarter of 2017, up three points from the
previous quarter and only the second time
since 2001 the reading has reached 60. For
19 consecutive quarters, the RMI has been
at or above 50, which indicates that more
remodelers report market activity is higher
compared to the prior quarter than report it
is lower. The overall RMI averages ratings
of current remodeling activity with indicators
of future remodeling activity.
“A booming stock market and low
unemployment continue to fuel consumers’
investment in their homes,” said NAHB
Remodelers Chair Joanne Theunissen,
CGP, CGR, a remodeler from Mt. Pleasant,
Mich. “Natural disaster-related repairs also
caused strong demand for maintenance
and repair projects.”
Current market conditions increased four
points from the third quarter of 2017 to 60.
Among its three major components, major
additions and alterations jumped seven
points to 60, minor additions and alterations
increased three points to 59, and the home
maintenance and repair component rose
three points to 61.
The future market indicators index rose
one point from the previous quarter to 59.
Calls for bids decreased two points to 56,
amount of work committed for the next
three months rose two points to 58, the
backlog of remodeling jobs gained a
significant six points to 66 and
appointments for proposals fell two points
to 57.
“At a high of 60, the RMI is consistent
with the strong growth in home
improvement spending in 2017,” said NAHB
Chief Economist Robert Dietz. “However,
the surge in the backlog of remodeling jobs
likely reflects supply-side challenges
remodelers are facing in the form of skilled
labor shortages and rising material prices.”

Builder Confidence
Remains Strong
n Builder confidence in the market for
newly-built single-family homes dropped two
points to a level of 72 in January on the
National Association of Home Builders/Wells
Fargo Housing Market Index (HMI) after
reaching an 18-year high in December
2017.
“Builders are confident that changes to
the tax code will promote the small business
sector and boost broader economic growth,”
said NAHB Chairman Randy Noel, a custom
home builder from LaPlace, La. “Our
members are excited about the year ahead,
even as they continue to face building
material price increases and shortages of
labor and lots.”
“The HMI gauge of future sales
expectations has remained in the 70s, a
sign that housing demand should continue to
grow in 2018,” said NAHB Chief Economist
Robert Dietz. “As the overall economy
strengthens, owner-occupied household
formation increases and the supply of
existing home inventory tightens, we can
expect the single-family housing market to
make further gains this year.”
Derived from a monthly survey that
NAHB has been conducting for 30 years,
the NAHB/Wells Fargo Housing Market
Index gauges builder perceptions of current
single-family home sales and sales
expectations for the next six months as
“good,” “fair” or “poor.” The survey also asks
builders to rate traffic of prospective buyers
as “high to very high,” “average” or “low to
very low.” Scores for each component are
then used to calculate a seasonally adjusted
index where any number over 50 indicates
that more builders view conditions as good
than poor.
The three HMI components registered
relatively minor losses in January. The index
gauging current sales conditions dropped
one point to 79, the component charting
sales expectations in the next six months
fell a single point to 78, and the index
measuring buyer traffic fell four points to 54.
Looking at the three-month moving
averages for regional HMI scores, the West
rose two points to 81, the South increased
one point to 73, the Midwest inched up a
single point to 70 and Northeast climbed five
points to 59.
6 Builders Outlook
Campaign Raises Safety Awareness
Among Home Builders, Remodelers
The National Association of Home
Builders (NAHB) launched Safety 365,
a new member and public awareness
campaign designed to ensure that
building industry professionals have
the information and resources to help
keep construction workers safe and
help minimize accidents, injuries and
deaths. The initiative is designed to
make construction safety a priority,
every day, 365 days a year.
“Our members realize the
importance of jobsite safety because
we know that our employees have
families to return home to. We want to
keep these workers safe from
accidents and injuries,” said NAHB
Chairman Randy Noel, a home builder
and developer from La Place, La.
“Safety 365 is an important initiative
that will keep these efforts at the
forefront of our industry.”
The campaign is a joint effort of the
NAHB Construction Safety Committee
and Builders Mutual Insurance Co.,
which has supported NAHB’s
workplace safety efforts since it
worked with the association in 2006 to
launch the SAFE awards, NAHB’s
popular annual program honoring
workplace safety efforts and
highlighting innovative products and
solutions.
2018 Issue 1
Through posts on NAHBNow, the
association’s blog; newsletter stories;
tweets and other efforts, the Safety
365 campaign will highlight a different
aspect of construction workplace
safety each month and also promote
safety off the job, including materials
to help keep home owners safe when
they’re working on DIY projects.
“Builders Mutual is thrilled to be a
part of such a critical initiative that
looks to protect the health and well-
being of the employees that build the
American dream each and every day,”
said Mike Gerber, senior vice
president and chief marketing officer
for Builders Mutual Insurance Co. “If
the building industry continues to work
together to raise the awareness of
safety on the job-site, then home
builders and their employees are
better positioned for long-term
success.”
The campaign will align with NAHB’s
vast array of educational resources,
safety training materials, and news
updates to help educate employers
and workers on the various safety and
health hazards the industry faces on
the jobsite, and to better understand
and comply with Occupational Safety
and Health Administration (OSHA)
requirements.
2018 Issue 1
Economic
Forescast
Elliot Eisenberg
Economic & Policy
Blog
2018: Like 2017 But Slightly Better
The combination of solid,
widespread global growth; strong labor
markets; low inflation; improving
commodity prices; a slightly weaker
dollar; and continued easy monetary
policy from most central banks sets
the stage for a good year. Moreover,
the recently passed front-loaded tax
cuts here in the US will help by adding
a pleasant tailwind to the domestic
economy. The possibility of increases
in infrastructure and defense spending,
along with the continued deregulatory
efforts of the Trump administration,
make the domestic economic
landscape heading into 2018 as strong
as it has been since the end of the
Great Recession.
However, there are also economic
headwinds. The fear of inflation could
spook the Federal Reserve to raise
rates more rapidly than expected,
which would slow growth and unsettle
financial markets. A large confidence-
shattering drop in the stock market, for
any number of reasons, might hurt the
economy. With the now low tax rate on
repatriated earnings, American firms
might bring back substantial profits
from abroad, and in the process, boost
the dollar, which will hurt
manufacturing activity. Lastly,
geopolitical problems always lurk and
could easily have negative growth
implications.
With all this in mind, I expect full-
year 2018 GDP to come in at 2.6%,
slightly higher than the 2.3% growth
experienced last year and the 2.1%
average rate of growth since the end of
the Great Recession. Headline inflation
looks to pick up from roughly 2% to
2.3% in 2018, while core inflation
(which excludes food and energy) will
edge up only slightly. Because of the
slow rise in core inflation, the Federal
Reserve will probably have the luxury
of time to raise the federal funds rate
from where it is now, at 1.375%, to
2.125% by year’s end, with a quarter-
point rate increase roughly every three
or four months with the first one in
March.
The material that builders have used
for thousands of years is brick. Time
tested, time honored. Your homes
should be made with ACME Brick.






#& '

)
"
'%
*'

Builders Outlook 7
u
CELEBRATING
Turning our attention to the labor
market, I expect net new monthly job
EPAB
growth to average 150,000/month,
THE BEST OF EPAB
which, while down from 167,000/month
in 2017, is excellent given that we are
late in the business cycle and few
potential workers remain on the
sidelines. The unemployment rate will
fall from 4.1% today to 3.6% or even
3.5% by year end, a rate not seen since
the late 1960s! As the labor market EL PASO ASSOCIATION OF BUILDERS
tightens, nominal wage growth should
increase in 2018, with average annual INNOVATION u DESIGN u EXCELLENCE u ACHIEVEMENT
wage increases rising from 2.4% to
ENTRY INFORMATION
2.75% and as much as 3% by the end
of the year: a healthy rise.
Because of faster GDP growth and
COMING SOON
the falling unemployment rate, 10-year
Treasuries will end 2018 at 2.75%, and
the rate on 30-year mortgages will be
at or near 4.40%. However, continued
easing of credit conditions and rising
consumer spending due to continued
strong employment growth and better
wage growth will keep the economy
and housing market on track.
Despite passage of the new tax bill,
which is likely to modestly slow home
sales and house price appreciation in
some high-cost areas because of the
reduced benefits of homeownership,
housing starts should increase by
about 7%, to 1.29 million. Single-family
starts will likely total 930,000, up from
850,000, while multifamily starts should
flatline at about 360,000. New and
existing home sales should collectively
rise by about 3% and end the year at
6.35 million, with mortgage purchase
volume advancing by $100 billion, and
refinance activity falling by about $200
billion due to the rise in mortgage
rates. Housing inventories will,
regrettably, remain unchanged, and
combined with limited new home
building, home prices will rise by 5%.
Motor vehicle sales will slip to 16.5
million from 17.1 million and the
chances of a recession in 2018 is low
given the very solid global economic
conditions that currently prevail. I peg
the chances of a recession in 2018 at
just 15%.
AWARDS CEREMONY
SPRING 2018


 - -

& !

(%$

)&'

&$ (

"(

"%%& $

"''
"%!
EPAB ON THE SCENE

Local members
attend IBS Orlando
The text message was interesting. It
said “heading to Orlando for the show”.
It was from one of our associate
members, someone who hadn’t attended
the big industry show ever. Without
revealing who that message came from
I’m glad to report that they had a great
time at the show, as did some other
nearly 70,000 visitors. The contingent
from El Paso was good considering it’s a
long trip that takes you two time zones to
cross and then all the activity at the city
that normally hosts little mickeys and
mini’s, a wizard or two and of course
other attractions. Orlando is one busy
hub and adding 70,000 visitors for one
event is taxing on everyone and
everybody.
The NAHB yearly meeting and show
starts several days before the show floor
opens. There are education courses,
talks, networking events and caucuses
going on. It is one reason that the
annual event is so popular and
important. The Texas Association of
Builders held such a caucus and brought
the membership up to date on issues
that NAHB is working on. This year the
opening ceremony included special
guest Terry Bradshaw who talked about
business, himself and the antics of doing
what and who he does it with.
There were literally hundreds of
displays ranging from 10 x 10 booths to
6000 square feet displays from the likes
of GE, LG, Samsung and other
multinational companies. There was a
large contingent from China again and
they continue to look at the U. S.
housing market as a great place to be. to come, they need to see this, and they for this group shot. We are looking
of the show” said Henry Tinajero from
Traditional suppliers were joined by just might find something cool for their forward to next year in Las Vegas. Make
WestStar Bank. He was joined in that by
some unusual displays and that’s what business,” she said.
Laura Loy who said that there was too plans to attend.
makes a trade show like this so Although not all of the members who
much to see and not enough time to see
fascinating. “I know we all had our went were able to get together while at
it all. “I can tell those members who
favorite things to see but the one thing the show the contingent in the picture did
haven’t been to the show that they need
you take away from here is the enormity

2018 Star Awards

CALL FOR ENTRIES NOW OPEN

Online Entries:
8

3
January 19 - March 20
Early Bird Deadline: March 6
TABSTARAWARDS.COM

Sponsors (as of 1.24.2018): Expressions Home Gallery - Morrison Showroom, StrucSure Home Warranty,
Texas Home Builders Safety Group, TopBuild Home Services
 2018 Issue 1

Concerned about health

coverage?

Premiums increasing
again this year?

NOW YOU HAVE A

CHOICE.

Introducing a program
exclusively for members of
the El Paso Association of
Builders.

As a member of the El Paso Association of

Builders you may qualify for the extremely
EPAB Health valuable benefits offered by the
Program EPAB Health Program.

Call today to get information about the new

HUMANA association medical coverage to
see how you can qualify for outstanding
Administered through coverage at a premium designed for you.

(915) 542-0900
(888) 269-0626
Hablamos Español
11240 Vista del Sol, El Paso Texas 79936
 Mortgage rates jump to highest in 4 years,
10 Builders Outlook 2018 Issue 1

Mortgage
& Banking
• The average rate on the popular 30-
Mortgage rates are surging due to
the jump in U.S. bond yields.
• "Some lenders will be at 4.5
percent," says Matthew Graham of
Mortgage News Daily.
ominous sign for spring housing
increase in home prices, but it has also are saving less, due to high levels of
year fixed started the year right around given borrowers a new sense of normal. student debt and high rent rates.
4 percent but then began to climb on Both will hurt affordability this spring on Confidence in the current economy is
positive news in the U.S. economy, several fronts. driving spending even higher and
solid company earnings reports and a "Today is one more reason for savings even lower.
shift in foreign central bank policies Realtors and buyers to move up their "With spending rising faster, what also
which appear to now be following the spring schedule," said Chris Kopec, a drove spending was credit card debt as
Federal Reserve's tightening of mortgage loan consultant at Chicago- the US savings rate is down to just 2.4
monetary policy. The rate was at 4.28 based Lakeside Bank. percent in December from 2.5 percent
percent by the end of last week. The housing market is already facing in November and 3 percent in October.
"Apart from central banks, there's a a supply crisis, with demand September 2005 was the last time it
ton of bond market supply coming down substantially higher than the supply of was this low," Peter Boockvar, chief
the pike due to infrastructure and tax bill homes for sale. Higher mortgage rates investment officer with Bleakley
spending," Graham said. That new will exacerbate that problem because Advisory Group, wrote in a note to
supply will send yields and, most current homeowners have likely clients. "Lower taxes and higher wages
consequently, mortgage rates higher. refinanced to rates in the 3 percent couldn't have come at a better time for
December new home sales fall to range over the past few years and will the average consumer, but some of that
625,000 annual rate be reluctant to give those rates up, will likely go towards paying down some
December new home sales fall to either to downsize or upsize to a new of the accumulated debt."
625,000 annual rate home. Hence, fewer new listings.\ Wages may be growing, but the rate
While mortgage rates are still For first-time buyers, even a quarter is nowhere near the now-nearly 7
historically low, they were even lower in point difference in mortgage rates could percent annual home price growth.
the years following the financial crisis. price them out of the type of home Price gains are highest on the lower
That not only helped juice the sharp they're looking to buy. Today's buyers end of the housing market, where

•  Higher mortgage rates, combined

with higher home prices, will make
this spring housing market even
more challenging.

Mortgage rates jump to the highest

point in 4 years, an ominous sign for
spring housing
A huge sell-off in the bond market is
about to make buying a home more
expensive. Mortgage rates, which
loosely follow the yield on the 10-year
Treasury, have been rising for the past
few weeks, but are seeing their biggest
move higher Monday.
"Bottom line, rate sheets are going to
be ugly this morning," wrote Matthew
Graham, chief operating officer of
Pioneer Bank understands

Mortgage News Daily. "Some lenders

that time is preccious so we
will be at 4.5 percent on their best-case-
offer products to help you
scenario 30-year fixed quotes."
spend less tim me worrying

That is the highest rate since 2014.

about financess and more
th that matter
tt

The average rate on the popular 30-

year fixed started the year right around
4 percent but then began to climb on
positive news in the U.S. economy,
solid company earnings reports and a
shift in foreign central bank policies
which appear to now be following the An
A
An old
ld
dd friend
old ffriend
i d with
w
with new
with new id
ddeas since
deas
id i ee 1901.
since 1901
1901.
Federal Reserve's tightening of
monetary policy. The rate was at 4.28
percent by the end of last week.
Pioneeer Bank has been your FREE Checking

"Apart from central banks, there's a

commmunityit bank
b k sincei 1901
1901. FREE Business Checking
When n you grow, we grow.
ton of bond market supply coming down
Savings
Business
ness or personal, whatever
the pike due to infrastructure and tax bill
Personal and
your financial needs, we provide

spending," Graham said. That new

Commercial Loans
solutions to help you succeed!

supply will send yields and,

Mortgage
g g Loans
Obtain your mortgage, car loan
Merchant Services
consequently, mortgage rates higher.
and credit card — then pay
thesee and additional bills from Internet & Mobile

Mortgage rates jump to the highest

online
e Bill Pay. Pioneer Bank Banking

point in 4 years, an ominous sign for

understands
rstands your needs and eStatements

spring housing
provides
des the latest innovations Online Bill Pay

Mortgage rates jump to the highest

in ban
nking! Remote Deposit

point in 4 years, an ominous sign for

spring housing
THREE CON
NVENIENT L
LO
OC
OCATIONS
AT
TIONS
A huge sell-off in the bond market is
about to make buying a home more
N. M
esa S
N. M t. Trawood Dr.

expensive. Mortgage rates, which

esa S
t.
Lee Trevino Dr.

Lee Trevino Dr.

loosely follow the yield on the 10-year

r.

r.

Gateway
sler D

sler D

y East

Treasury, have been rising for the past

S. Re

S. Re

few weeks, but are seeing their biggest

C
re
N N of $50 to open.. Each account

move higher Monday.

N
is insured by FDIC
DIC up to
7015 N. Mesa 6068 Gateway East 22990 Trawood $250,000. Services
vices vary

"Bottom line, rate sheets are going to

depending on account.
El Paso, TX 79912 El Paso, TX 79905 El Paso, TX 79905 See bank representative
esentative

be ugly this morning," wrote Matthew

Phone: (915) 782-2485 Phone: (915) 782-2400 Phoone: (915) 782-2470 for more details.
s.

Graham, chief operating officer of

Mortgage News Daily. "Some lenders www.pioneerb
w
www. i b
bnk.
k .co m
will be at 4.5 percent on their best-case-
scenario 30-year fixed quotes."
om
2018 Issue 1 Builders Outlook 11

nahb.org/MA
12
EPAB Membership
Builder members
as of January 31, 2018
AT Architectural Designs
Elsa Taracena
Accent Homes
Mark Dyer
Bain Construction
Scott Bain
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
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 Bella Custom Dream Homes
Leti & Javier Navarrete
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 C. D. Lee/Britton Insurance & Bonding
Russell Hanson
Homes by Design
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
Lloyd Hamilton Construction
Lloyd Hamnilton III
Loyalty Homes
Gustavo Loy
M A Builders & Design, LLC
Mustafa Ali
Metro Homes, Inc.
Fernando Torres, Judith Arrunada,
Millennium Homes
Dan Ruth
Pacifica Homes, Inc.
Juan Jose Vasquez
Palace Homes, Inc.
Robert Diaz
Palo Verde Homes
Edgar Montiel
Pointe Homes
Carlos Villalobos
Porter Homes
Albert Porter Demcon Disposal Management, LLC
R.C. Baeza & Associates
Robert C. Baeza
R.E. Welch Contractor
Gordon Welch
Rassette Homes, Inc.
Donald Rassette
Builders Outlook 2018 Issue 1
Updated every month, here is a list of the 2018 EPAB Membership.
Remember to please do buinsess with fellow members.
Santana Custom Homes Dorney Security Mini Concrete Materials
Fernando Santana John Dorney Joe Soto
Southwest Land Development Serv. DWS Building Supply Morrison Supply
Doug Schwartz Sabrina Voorhies Sam Shallenberger
The Heritage Group E.F. Building Materials, Inc. MTI Ready Mix, Inc.
David Bingham Efren Fraire Tony Mullen
Trejo Construction Co. Eagle Roofing Products New American Funding
Juan Trejo Scott Aguilar Brenda Trillo
Tropicana Building Corp. El Paso Building Materials New Era Foam
Bobby Bowling IV Ken Wade George Tollen
Tropicana Development El Paso Disposal Passage Supply
Greg Bowling Irma Parsons John Chaney
Tropicana Homes El Paso Mortgage Bankers Association Patriot Mortgage
Randy Bowling Gilbert Pedregon Randy Bowling
Tropicana Properties El Paso Star Ready-Mix Concrete Inc. Pella Windows
Demetrio Jimenez David Armendariz Jason Bates
Villagi Homes, LLC El Paso Times Performance Glass & Aluminum
Kristi Eddings Jose Molina Hector Hernandez
Will Harvey Development El Paso Truss Pioneer Bank
Will S. Harvey Luis Mendiola Kathy Carrillo
Winton/Flair Homes El Paso Winnelson Prewire of El Paso, Inc.
Herschel Stringfield Rene Goldfien Steven Drury
Associate Members Ferguson Enterprises Inc. PRIDE Ascend
as of January 31, 2018 Albert Holguin Dr. Lonny Wright
2-10 Home Buyers Warranty First American Bank Post Tension
Jeanine Jones Luis Sauceda Dennis Moore
84 Lumber First Light Federal Credit Union Powerfoam Insulation:
Ernie Chavez Lorenzo Revelez Metlspan NCI Group, Inc.
915 Siteworks, LLC First National 1870 Arnie Pederson
Dan Guevara Haley Merritt Randall Smith, CPA
ABC Supply Co., Inc. Firth, Johnston, Bunn & Kerr Randall Smith
Larry Eck Jay Kerr Real Estate Weekly Newspaper
Acme Brick Company Foxworth Galbraith Lumber Riley Stephens
Vanessa Rocha; Steve Bush Dan Villarreal Rebath of El Paso/Las Cruces
Adams Moulding & Lumber Franklin Building Materials Lisa Walling
Tom Swahlen Ricardo Aguilar; Cristina Sheldon Remcon Self Storage
Area Iron & Steel Works, Inc. G2 Ram Electric Will Harvey
Fred L. Edmonston Jr. Luis Cano Richman Group Affordable Housing Corp.
Atrium Homes GCC Sun City Materials, LLC Kevin Hoffman
Ricardo Bocardo Jr. Antonio “Tony” Chavez Rocky Mountain Mortgage Company
Bank of Texas GECU- Greater El Paso Credit Union Dean Inniss
Ray Owen Brenda Aguirre Roe, Brad
Barnett & Bennett Construction Greater El Paso Chamber of Commerce Bradley Roe
Ben Trzyna GEPAR-Greater El Paso Rudolph Chevrolet
Baron Supply Assoc. of Realtors Mike Ruffin
David Trammell Jason Sanchez Saldivar Electric, Inc.
Barragan & Associates Hardware Specialties Martin A. Saldivar
Benito Barragan Jeff R. Paxton Sarabias Blue Sanitation
Barrett Airworks Harris Real Estate Group Monica Brown
Alexandro Castro Lane Harris SSenercon
Beasley, Mitchell & Co., LLP Haskins Electric Javier Ruiz
Brad Beasley Charles B. Haskins, Jr. Sherwin Williams Paint
BMC Select Home of Texas Cruz Lopez
Jaeson Iovinella Mark Smiley Sierra Title Company/Lawyers Title
Boise Cascade Home Performance Testing Angelique Roman
Mike Flores Fernando Garcia/Ray Gonzales Simpson Strong-Tie Company, Inc.
Border Solar HUB International Ken Donham
Javier Ruiz Luis Rosas Snappy Publishing, LLC
Builders Source Appliance Gallery Insight Mortgage Company Ted Escobedo
Kathy Rose, Sandra Lucero Shawn Weeks Solar Smart Living
Interceramic Tile & Stone Gallery Larry Perea
Anthony Landavazo; Lisa Daniels David Holguin Southwest Décor El Paso Corporation
Cabinet Masters Inter National Bank Chris Matthews
Mike Robles Natalie Ojeda Spectrum Technologies
Cardel Design Group J & H Concrete & Post Tension Miled Daou
Lorraine Huit Jorge Herrera Stewart Title of El Paso
Casa Ford & Casa Nissan James L. Ellis, CPA, PC Cindy Bilbe
Luke Lowenfield Jim Ellis StrucSure Home Warranty
CEA Engineering Group Jimmy Garza Scott Whisenant
Jorge L. Azcarate Emergency Water Removal Su Casa Magazine
Central Texas Metal Veronica Buchanan Bob Skolnick
Roofing Supply Co.,Inc. Jobe Materials, LP Sun City Winnelson
Ben Garza, III Charlie Tellez Dean Moore
Centricity Joe Bernal Insurance Texas Gas Services
Brent R. Morgan & Financial Services, Inc. Mica Short
Chaparral Materials, Inc. Joe M. Bernal Texas Title Company
Leroy Trujillo L & P Building Supply Steve Raney
City Bank Texas Denise McConnell TFCU
Bob Kotarski Legacy Real Estate Services Yolie Melendez-Estrada
City Lights TTI Prop. Management. The Dorian Group/Ocean Gallery USA
Thomas Brown Patrick Tuttle Miguel Angel Mercado
Cognent, Inc. Lennox Industrie The Home Systems Heating & Cooling, Inc.
Martin Paredes Sharon Horton Jesus Chain
Commercial Insurance Brokers, Inc. Lone Star Title Co. of El Paso Trane Residential Solutions
Ken Foster Sam Trimble Robert Meske/ Kathleen Chacon
Conde, Inc. Love Engineering, Inc. TRE & Associates
Conrad Conde Montez Love Linda Troncoso
Copenhagen Imports Majestic Realtors Trim Team
Flemming Carlsen Patti Musshorn Juan & Kris Hernandez
CQC Testing and Engineering, LLC MAK Roofing & Construction USA General Contractors
Jaime Rojas Felix Vizarreta Javier Olmos
Dal-Tile Masco Contract Services Vision Consultants, Inc.
Joseph Cepeda dba Gale Insulation Kelly Sorenson
Delek US dba 7 Eleven Tom Harmon WestStar Home Loans
Sonja Scanlan McCoy's Building Supplies Cinco Houghton
Julie Reyes WestStar Bank
Maria Elena (Nena) Gomez Mechanical Technologies David Osborn
Desert Quest Plumbing Jaime Zubiate WestStar Title
Hector Gonzalez Merrill Lynch Janette Coon
Dunn Edwards Paints Thomas (Tommy) Gabriel
Nathan Gordon Mingo’s Painting & Remodeling
Erik Chavarria
2018 Issue1 Builders Outlook 13

2018
Calendar of
Events
JFEB FEBRUARY 8,2018 BOARD/GENERAL MTG. 11:00 BOARD
12:00 GENERAL MEETING­ E L PA S O C LU B

MAR MARCH 8, 2018 BOARD MEETING 12:00 NOON EPAB OFFICE

MARCH 14, 2018 SPEED SELLING EPAB OFFICE
MARCH 21­23 TAB MEETING AUSTIN, TX

APR
APRIL 6­15 PARADE OF HOMES ARTCRAFT ESTATES
APRIL 12, 2018 BOARD/GENERAL MEETING 11:00 BOARD
12:00 GENERAL MEETING­ E L PA S O C LU B
APRIL 18, 2018 GOLF TOURNAMENT BUTTERFIELD TRAIL
APRIL YOUNG DESIGNERS JUDGING EPAB OFFICE
APRIL 28, 2018 FIRST HOME SATURDAY BASSETT PLACE

MAY MAY 10, 2018 BOARD MEETING EPAB OFFICE

MAY 16, 2018 BOWLING EVENT
MAY, 2018 IDEA AWARDS

JUNE JUNE SPEED SELLING EPAB OFFICE

JUNE 14, 2018 BOARD/GENERAL MEETING 11:00 BOARD
12:00 GENERAL MEETING­ E L PA S O C LU B
JUNE 15, 2018 CASINO NIGHT EPAB OFFICE
Kudos
Congratulations to Luis Rosas, vice president of HUB International, who was
recently named as the 2017 Agent of the Year. The James F. Elliott Award.
Rosas has been a Board Director for the EPAB for several years. He is co-
chair of the 2018 Spring Golf Tournament. Congratulations Luis. Well done!

Condolences
Heartfelt condolences to Edmuno Dena on the loss of his aunt Maria Templin. new h o m e s
Advertise your business to the for el paso...
y f o u n d h e re
home building industry OBuutlildoeorsk 2016: Ho
us
Recovery ing
National,
State &
Local Buildin
g Industry
News
2015: Issue
10

easil
Widely distributed throughout the city
www.elpa to pick
sobuild
ers.com up steam
amid
challeng
S

and available to readers online, the

teady empl

gradual
demand, oyment and econ
mortgage
affordable
rates will
omic
home price growth, pent-
s and attrac up
es
upwa keep
headwinds rd trend in 2016 the housing mark tive
and labor related to short . However, persi et on a
February 2017 •
FREE
, along with ages and stent
impeding rising mate availability
a of
to economismore robust recov rials prices are lots

Builders Outlook is an important

el paso
participate ts who ery, acco
rding
d in a Natio
of Home nal Asso
Builders ciation
Constructi (NAHB)
on Forec Fall
astWebina
r.
“This recover
NAHB Chief y is all about
jobs,” said
people can Economist David

builders
they have,

advertising medium for any business

incomes get good Crowe.
“If

Introducing
, the housing jobs that pay about purchas the more
comfortable
to move market will decent
forward.” continue And while ing a new home.” they feel
The good mortgag
news, Crowe expecte e interest
total U.S. d to
employm added, is averaging rise over the near-ter rates are
well above ent of 142 that 4.5 percent m,
percent
that occurrethe previous peak million is now in in 2016 Single-Family
d in 2008. of 138 million expecte 2017, Crowe said and 5.5 Turning Continu
The one
caveat is recovery.
d to have
an impact this is not to the forecases to Post Gains
been concent projectin t, NAHB
“As the
that job and wage econom on the housing g 719,000 is
sector, which rated heavily growth has growth should y gets better,
2015, up
11 percent
single-fa
mily starts
in the service even though produce
than goods tends to pay mortgag keep pace. job d last year. from the 647,000 in
producing lower wages will still e rates So production Single-family units
Meanwh be low by
jobs. very affordab historica will rise, they is projecte
doubled ile, home equity l standar addition
al 27 percent d to increase

that want to reach this valuable market.

since has le.” ds and units. an
$12.5 trillion. 2011 and now nearly in 2016
to 914,000
stands at Supply On the multifam
“The single Headwi
people’s biggest Crowe noted nds 354,000 ily side,
portfolio asset in several units last production
hinderin 331,000 year, slightly
said Crowe. is the home most g a more factors level that ran at
“That’s importa they own,” NAHB survey robust recoverthat are level of is conside above the
primary product
purchas
ers of new nt because the builders of its y. Citing ion. Multifam red a normal
sellers of reported members, 13 percent an same expecte
d to rise
existing homes are labor was the cost of concern this year 9 percent ily starts are
homes. and
The more the a
that concern significant problemavailability of that ratio shot s regarding lots and post to 387,000

Fall Hom
decline
equity jumped in 2011 up to in 2011 to 378,000 a modest 3 percent units
About one-fifth to 61 percent and Concern 58 percent and units

e and
Residen
of builders in 2014. at 58 percent s over building in 2014. tial remode in 2016.
forecasted

Garden
shared the among builders materials ling activity
from 33 stood over last to increase 6.8 is

Show
percent in 2014, year and percent
No doubt in 2011. up percent rise an addition in 2015

attracts
ideas that that the home in 2016. al 6.1
brought

thousands
really made
that much the showca together
of actually more interesting. se home

El Paso New
The process
setting up piecing the walls
the floor together,
Continu
The annual a wall or and
ed Page
brought Fall Home in the ceiling the all that goes
6
thousan and the faint
Judson ds of people Garden show hearted. is not someth on
Williams Habitat “We were ing
show kicked Conven into the for asked by for
tion could from Humanity to donate
people were off October 9. Center as the could,” Torres this build, what we
The throngs and I’m
presented greeted by a of the showca told the Outlook proud that we
very
produce show compliments nicely waiting for se was quickly . The rest
r Show of the of
Antonio. Technol taken to
ogy out
of San parts that some of the frame a lot
could be

Call Margaret: 915-778-5387

The show waste. used so and other
showcase featured a spectac showcase
Overall
a very beautifu to not go
home by to
Metro Homes. new builder ular for years home that will continue l green
was made The design member to come.
of the display The Fall to give
site in orderto be partially constru show of Home and
established to meet the time cted off its Garden
lines center was kind this year since was the only some time,”
that even for the show. taken over the Sam Shallen said Associates
with that “I have to Bowling
Champi for the Men’scivic Chairma
hustled
to make addition tell
al time we you center turned onship (ABC). and exhibito berger. “We had n
product sure we really into a The civic rs and that new bring to
to had complet
e with state large bowling
have.” was a nice displays what’s the consumer
CTU Metro show,” said Fernanda great run into alley The present thing to hot in the because
of the art I know
staged the Homes. Beautifu o Torres of center or
situation
s like this lanes. “We Wizard, ing attractio said. world of
walls,” Santos
l and elegant
the show house became halls we when the Brian Santos n was Our sincere
winning the favorite ly that can
fit
use are
the
civic demons
trations who did the Wall and all the thanks to
efforts. Best of several
“We Show for of of Show our shows,” said only ones “I really during
love coming the three day
CTU
Acosta Realsuppliers and the Metro Homes
off our modelsare excited to the
flexible but
Technol
ogy. “We Tommy Mantini so many to El Paso event.
estate agents to the public
be able
to show have to folks of gratitud Estate. We also staff of David
we would then again I know be the Outlook for the first time,” and seeing e owe a
market and because we’re
and to the civic center to the exhibito
real showed
have pent that this Builders . “The El
Paso Associa Brian told rs who filleddebt
product we think new to the during this up demand and year has things for with good product the
we have it other associa helped me get tion the visitor
to
continue offer the consum a very good
What impress event.”
tions other gigs of Home and to see.
s and lots
Our Spring of

Home Builders
ed many recomm
d. er,” Torres aisles and was endation,” and I’m grateful with
11-13, 2016.Garden Show is
comfortablythe amount of roomthe carpeted who has
authored
he continue for the on
reach potentiaDon’t miss this for March
move to and several d. Santos,
was one around. is an inventor “how Technol l custome opportunity
of the nicest “I thought compan and innovato to” books ogy today rs. Visit to
shows we’ve this ies www.sh at Show
had in relationship including Home r for several owtechn
Depot. information ology.co
Depot and with Rubber Maid “My on the Springm to get
Lowes is and Home show.
really a
great thing
to See More
Photos
Page 8

magazine & website

information...
ves.com for more
Visit www.ElPasoMo

• Part of Homes of El Paso magazine

• Mailed monthly to thousands of local homes
• El Paso Airport distribution
• Stand alone magazine each quarter

Call Martha today for more

information at (915) 204-7017.
S h o w ro o m :
9400 Gateway East
El Paso, TX
79907
(915) 593-1301
(800) 356-9546
Another Mesa Publishing Publication, serving El Paso Home

www.efbmi.com
Buyers for 25 years. www.MesaPublishing.com
www.ElPasoNewHomeBuilders.com
 14 Builders Outlook 2018 Issue 1

Joint Meeting training as a stock

unites industry
When Gilbert Pedregon approached
the El Paso Association of Builders about
hosting a meeting it wasn’t your average
meeting idea. Gilbert told Ray that it
would be “a meeting of the industry” to
get to know each other and in doing so
begin the process of working together on
issues. The plan included inviting the
Greater El Paso Association of Realtors
(GEPAR), HREP, the Hispanic Real
Estate Professionals association, and
others. Gilbert’s idea came true in
January as the meeting was held at the
Fort Bliss Underwood golf course. The
guest speaker was Michael Collins,
Regional Director for MGIC and a
survivor of the twin tower 9-1-1 attack.
At that time Mike was just starting
broker and was in day
two of that training.
His story, sometime
emotional from the
memories it triggered,
was a story of
courage,
determination and living.
The EPAB was well represented by the
executive leadership. President
Edmundo Dena, VP Sergio Cuartas,
Secretary Edgar Garcia and past
President Don Rassette. All four called
the gathering a good thing. “I think that
more meetings like this are good for the
builders as we get to represent our
association in an industry wide event,”
Dena said.

January Board Meeting

The first board meeting of the year was
held on January 18 at the EPAB office. The
meeting was the initial gathering for the new
board. In the meeting the board introduced
themselves to each other and to announce
the new committees that President
Edmundo Dena has formed.
The bylaws change was made to the
ladder position, moving the Secretary
Treasurer position to Secretary and make
the treasurer position a part of the Finance
Committee. The move is similar to the way
the Texas Association of Builders leadership
is set up. The proposal passed
unanimously and is now incorporated into
the bylaws.
Also presenting were Angelique Roman
and Brenda Aguirre for the Community
Outreach committee. Projects that the
association can be done were mentioned
and support given to the effort. Kelly
Sorenson heads up Builders Education and
she announced that the committee would
present as needed.
The next meeting of the Board will take
place February 8 at 11 am at the El Paso
Club.
 Builders Outlook 2018 Issue 1 El Paso Disposal
6046 Surety Dr. El Paso, TX 79905
915-778-5387 • Fax: 915-772-3038
Sandra Lucero, Builders Source

772-7495
■ ExEcuTivE OFFicERS
PRESiDENT Ted Escobedo, Snappy Publishing
Edmundo Dena Jorge Herrera, J&H Post Concrete & Post Tension
vicE PRESiDENT Angelique Roman, Sierra Title
Sergio Cuartas Patrick Tuttle, Legacy Real Estate
SEcRETARY Sam Trimble, Lone Star Title
Edgar Garcia 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, IV
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 Wayne Grinnell
Brenda Aguirre Don Henderson
Patricia Martinez Anna Gill
Brad Roe
Land Use Council

For All Your Electrical Needs

Rudy Guel
Sal Masoud
Past Presidents
Education committed to Serve
Kelly Sorenson Edmundo Dena
Delton Deal Edgar Montiel

Residential Specialists
Frank Torres
■ ADviSORY TO THE BOARD Frank Arroyos
Jay Kerr, Firth, Johnston, Bunn & Kerr Greg Bowling

Tract Homes • Custom Homes

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
Laura Loy, Loyalty Homes Herschel Stringfield
Walter Lujan, Dawco Homes Bob Bowling Iii
Fernando Torres, Metro Homes Pat Woods
Leslie Driggers Hoard, Homes by Design

915-208-9313
Carlos Garcia, ICON Custom EPAB Mission Statement:
Sal Masoud, Del Rio Development The El Paso Association of Builders is a federated professional

Total Customer
Fernando Santana, Santana Custom Homes

800-853-3996
organization representing the home building industry,
Chris Hakes, Hakes Brothers committed to enhancing the quality of life in our community by
Associates:

Joe Bernal, Joe Bernal Insurance
Henry Tinajero, WestStar Bank
Kathy Carillo, Pioneer Bank
John Chaney, Passage Supply
Luis Rosas, HUB International
Brenda Aguirre, GECU Mortgage
2017 Member Of The Year
Don Rassette   Charles “Chuck” Haskins
Rassette Homes
Satisfaction
providing affordable homes of excellence and value.
The El Paso Association of Builders is a 501C(6) trade
organization.
© 2017 Builder’s Outlook is published and distributed for
the El Paso Association of Builders
by Ted Escobedo, Snappy Publishing, LLC
ted@snappypublishing.com
El Paso • Texas • 915-820-2800
2017 Associate Of The Year
Haskins Electric

Insurance developed for builders.

   
C
D
Give your customers
the ‘option of the sun’
Developed for builders with the backing of the strongest insurance
C
L offers flexible coverage options and rates that are more competitive
carriers serving the Texas building industry, our insurance program

B than ever. As an authorized member of Builder Agent Network , we’re

©

W insurance programs, pricing, underwriting, resources and service.

dedicated to providing builders and contractors with the best-in-class

F Now more than ever,

El Paso home buyers
Product Portfolio Highlights

are planning for the

t
“A” rated carriers, several available
J
future.
t
(-
PêFSJOH
Doverage for property damage that results from faulty, defective,
or poor workmanship in your work.
B
t
(-
-JNJUT
PG
VQ
UP
...
Bvailable
S
t
Expanded policy form for commercial projects
t
Builder’s Risk master policies, monthly reporting, annual and one shots
t Workers’ Comp - Two highly cost-effective programs
t
ExDFTT
-JBCJMJUZ
GPS
$PNNFrcial (eneral Contractors
t
$PNNFrcial Umbrella

El Paso, Permian Basin and Surrounding Area

HUB International Insurance Services Baeza
-VJT
3PTBT

Border Solar can help

915-206-6047

you offer your

www.hubinternational.com www.builderagentnetwork.com

 
customers solar power
as a sensible
R

alternave.

The future starts

Crossing to Clean Energy
today.

7365 Remcon Circle

El Paso, TX 79912
follow us on twier and
facebook:
(915) 613•4168 BorderSolar
 /220$9(
9(5'(
3529,,',1*(/3$62$
(/3$6627(
(;$6
(;
62/,')281'$$77,2172%8,/'

21)2529((5<(
($56
56
::
:::07
7,5(($'<0
0,;&20