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Builders Outlook
Issue 10 2011 Building El Pasos tomorrow today
lack sterling credit are unable to take advantage of today's record-low mortgage rates, Nielsen said that mortgage financing terms for home buyers need to be more reasonable than the overly restrictive standards that are currently in place. In addition, NAHB urged the regulators to allow modifications to a number of existing federal housing programs, particularly altering rules that restrict or
prohibit for-profit investors, in order to effectively reduce foreclosures. "With the scale of the problem so large, it is necessary to deploy all resources in both the for-profit and nonprofit sectors," he said. To further help reduce excess inventory, NAHB also offered suggestions for a new investment fund and lease-purchase program.
"We support the goals to maximize value for taxpayers and increase private investment in the housing market," said Nielsen. "Stabilizing home values will improve the balance sheets of financial institutions and will reassure home owners that their biggest asset will retain its value."
With the Oct. 1 deadline of when the conforming loan limits for Fannie Mae, Freddie Mac and the Federal Housing Administration (FHA) will be lowered, the National Association of Home Builders (NAHB) called on Congress to move swiftly to extend the current loan limits to prevent further damage to the already fragile housing market and lackluster economy. Congress must act now to prevent the loan limits from reverting to lower levels, said NAHB Chairman Bob Nielsen, a home builder from Reno, Nev. A drop in mortgage loan limits would reduce housing demand, and place downward pressure on home prices in major markets.
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Presidents Message
Greg Bowling
President, El Paso Association of Builders
Builders Outlook
October is a transition month in most businesses and its no different with the EPAB. This month we begin our search for the next board member, that group of persons who are willing to step into the role of leadership at the association. It is a rewarding position that requires commitment to events, fund raising and meetings. It also will allow you an understanding of how an association functions as a nonprofit corporation. It is eye-opening for those whove never been on the inside of a group like ours, but
that inside includes getting to know other likeminded people from diverse businesses that make up our federation. Being a board member requires time and a financial commitment. No doubt that if you want to contribute to the ideals of the federation then you have to invest the time in it. Its the only way you can begin to make that transition from member to involved member. All you need to do is to let me or any officer or Ray know and we will place your name in nomination. While the news is full of bad times around the country for home building things in El Paso are still looking up in a relative way. Our home starts are good compared to other areas, but they could be better. Take this October to decide how our upcoming year will play out. Get involved with us, get involved for you. Get ready for a great ride over the next 14 months as we move into 2012. Id like to thank all the associates and builders who participated in Speed Networking. Our
company really enjoys participating and finding something new. Ray has plans for another event in November. Cant wait. Lets look at some of the issues that we will tackle in October: We watched the beginning of a new northeast El Paso when the old North Park mall demolition began on September 26. Our members will be a part of the new construction that will go up there. We will go before City council to ask for a reduction in the amount of the surety bond from $50,000 to a lower amount, preferably back to $10,000. Our trip to the Texas Association of Builders Sunbelt Show in mid-October will end 2011 and begin 2012 for TAB. We still have considerable issues to work out with the state government.
The Sunbelt show moves to Austin for the first time. Attendance should increase because of the central Texas location, allowing more participation from Houston and San Antonio. Our fight with Congress over issues like mortgage interest deduction and other issues related to new home building continue. As you can see the Association really never just rests. We are active in many arenas so that your business continues and hopefully prosper. Its important to let your employees, family and customers know that you are a member and what your membership does to protect the American Dream. Well keep an eye out on the politicians and the bureaucrats to allow you more time to do what you do. Have a great October, enjoy Halloween and go out and sell something.
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Builders Outlook
Builders Outlook
Issue 10 2011
Perspective
Ray Adauto, Executive Vice President EPAB
but we know that within those walls miracles will happen and angels will be called upon. We prayed to our Lord that He Bless that building, its contents, and its workers. We prayed that this new hospital would find a way to heal and to conquer sickness and hurt. We prayed that this place find a way to bring comfort to the families who will use it; comfort to those who will operate it; and comfort to our community for thinking not of ourselves but for our future. Politics aside, this building offers us hope of a tomorrow for our next generation. I hope you visit it and pray you never have to use it. Sometimes good things happen to good people. That was the case on October 7 when we gathered at Santa Teresa Country Club to play in the United Blood Services tournament. I was invited by Burt Blacksher to join him, Don Rassette and Sam Shallenberger for a round of golf. As the golf season runs into October the rush of getting there, warming up, and heading out to play is sometimes draining. That day was no different. Until the third hole where upon the foursome looked at the sign that said hole in one wins a Rolex. We kidded and after the first two holes knew that it would take several miracles to even get close much less make the darn thing. I think it was Burt who shot first, I went second then Sam got up to hit. He kidded about making the shot so he could find some new wealth or something to that effect. Well the ball was struck; it went to the left, and then went a little right, plopped on the ground and rolled into the hole. A moment of silence filled with a dumbstruck look on all of us was soon broken by screams as the volunteer sitting at the hole gave us thumbs up indicating the ball was indeed in the hole. Sam had his second lifetime hole in one. Regardless of the rest of the play that day (not very good by the way) the four of us got a chance to be blessed by the gods of golf. Our friend Sam Shallenberger had indeed become our legend for the day. I hope Burt remembers that we have to play as a foursome now regardless of circumstances. After all Sam now has the title of ACE and we hope this Rolex is better than the Relox he got in Belize. Im sure it is. Congrats Sam. Nice things do happen to good people.
I have had a rare opportunity to look into the future of El Paso health care and what Ive seen is first class. It is hard to describe just how wonderful the facility is without thinking that that entire splendor is being constructed to alleviate suffering and pain to the most innocent of our human race, the children. Nothing really prepared me for the tour of the nearly completed Childrens Hospital at UMC. The amount of technical work and skill needed to build this hospital boggles the mind. I admit that I have seen the building rise up from the ground like a giant skeleton, swinging that crane I like to refer to as the bird of progress. Its my contention that a growing city has its fair share of these birds and hope that El Paso has more descending on us soon. What a spectacular site to see the ironworkers, electricians, plumbers and others scramble around with a certain sense of purpose. Seeing the lab coats and doctors and nurses with stethoscopes weave through the worksite looking up at that giant building with wonder at what is being constructed has been a site to behold. But nothing can compare to what lies inside. You see for me it isnt the freshly painted walls, the sparkling floor, or even the greetings on the wall welcoming you in a dozen languages. Its not the complex plumbing or the walls of connections for the gases, electrical outlets and other strange plug ins. The huge surgery suites with state of the art ventilation and lighting are stunning for sure. It isnt the thought that went through with the counter tops or foot side galaxy that the kids will stare at. No, its the human side of what this whole big expensive building is for that really touches me. I know that our Men of Christ group from St. Clement starred in wonder at what has been created by all these wonderful craft persons,
El Paso Builder of the Year 1988, 1997, 2005 Texas Builder of the Year 2003 Texas Industry Leader 2004 Texas Developer of the Year 2009
With sixty years of experience and over 10,000 quality homes built in El Paso, Tropicana Homes has become a name synonymous with quality construction. As they continue to grow and expand, community involvement remains a top priority. Their commitment to the industry and community has made Tropicana Homes the premier builder in El Paso.
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Guest Perspective
Builders Outlook
We need both short and long-term solutions to the challenges our nation faces in securing our borders while fostering the trade that helps fuel our economic prosperity. For the past eight years, I have worked with UTEP to support our annual Border Security Conference by bringing high-level U.S. and Mexican leaders to El Paso to examine ways to enhance security, promote legitimate trade and travel, and improve our binational community. We have been fortunate to have key policy makers, academics, and private sector representation at the highest levels from the U.S. and Mexico engaged in this critical dialogue. This year, we heard from the United States Trade Representative, Ron Kirk, who made his debut appearance in El Paso since his appointment by President Obama. Ambassador Kirk made it clear that U.S. trade with Mexico is stronger than ever, at almost $1 billion a day in goods and services. Customs and Border Protection (CBP) Commissioner Alan Bersin also attended the conference and addressed wait times at the border. Commissioner Bersin shares my concerns about the difficulties CBP is having with staffing at ports of entry. I have been working with the Commissioner on wait times, and helped pass legislation to
Builders Outlook
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Guest Perspective
Back in 2008 and 2009, my office was very involved in assisting seniors who were on Medicare and Medicare We helped the Advantage plans. Department of Insurance stop a significant amount of abuse by insurance agents perpetrated on vulnerable seniors. Since then the complaints about Medicare and the Advantage plans have diminished to few or no complaints over the past two years. I just received a very informative booklet published by Consumer Reports, a very reputable consumer oriented magazine, about new features in Medicare. Seniors should be pleased by the changes. The 2010 healthcare bill passed by the Congress and signed by President Obama
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ONTHESCENE
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10 ISSUE102011
Mortgage Interest Deduction- Middle Class Pillar
Eliminating or curtailing the mortgage interest deduction would have a disproportionate impact on younger, middle-class families, who would see their ability to become home owners significantly diminished, with sober implications for their longer term financial prospects, the National Association of Home Builders (NAHB) told Congress today. "How housing is treated in any future tax reform will shape the economy going forward," Robert Dietz, an economist and assistant vice president for NAHB, testified during a Senate Finance Committee hearing on tax reform to provide incentives for options homeownership. Most Americans consider homeownership to be their single best long-term investment and a primary source of wealth and financial security. According to the 2007 Federal Reserve Survey of Consumer Finances, the median net worth of a home owner is $234,600, compared to $5,100 for renters. "We believe that any policy change that makes it harder to buy a home, or delays the purchase of the home until an older age, will have a significant long-term impact on household wealth accumulation and the make-up of the middle class as a whole," said Dietz. In the short term, tampering with the mortgage interest deduction would undermine an already fragile housing market and wreak havoc on the tenuous economic recovery by hurting housing demand, which would place downward pressure on home prices. In turn, this would leave more home owners underwater and trigger even more foreclosures. This cornerstone of American housing policy provides benefits for home buyers at all income levels and retains overwhelming public support. In a New York Times/CBS News poll conducted in June of 2011, 89 percent of the respondents said that homeownership is an important part of the American Dream and more than nine in 10 opposed doing away with the mortgage interest deduction. Public support runs strong, despite misleading claims that the deduction benefits only wealthy taxpayers and only a small number of home owners utilize the deduction because they must itemize their deductions in order to claim it. Setting the record straight, Dietz told lawmakers that 70 percent of the tax benefits go to middle-class home owners who earn less than $200,000 and that a deduction that reduces the net cost of monthly house payments is particularly important to younger home buyers, who typically have large home loans and less equity and are paying mostly interest in the early years of the mortgage. Dietz said that arguments that most home owners do not itemize and cannot benefit from the deduction are false. "Out of 75 million home owners, 35 million claimed the mortgage interest deduction in 2009," he said. "This fails to take into account the millions of taxpayers who are renters and one day aspire to own a home of their own and the roughly 25 million who own their homes free and clear and used the deduction in the past. The bottom line is that 70 percent of home owners with a mortgage have claimed the deduction." Dietz also stressed the importance of several other housing tax incentives, including the Low Income Housing Tax Credit, which is the most successful affordable rental housing production program in the nation's history and produces approximately 90,000 full-time jobs per year. The second home deduction is also important for many who do not think of themselves as owning two homes. "For example, the second home deduction facilitates moving when owning two homes during the tax year and also permits existing home owners to claim interest on a construction loan for a future home," said Dietz. Eliminating the mortgage deduction for second homes could threaten the economic viability of second home and vacation markets. "We are not just talking about well-known coastal markets, but also small towns in states such as Maine, Vermont, New Hampshire, Michigan, Colorado and Florida," said Dietz. "And nearly every state has areas with significant numbers of second homes; 49 states have a county where at least 10 percent of the housing stock consists of second homes." Home owners are also allowed to deduct interest on up to $100,000 of home equity loan debt. Half of all home equity loans are used for remodeling and home improvement, which provides jobs and are important activities for a nation with an aging housing stock.
Builders Outlook
Builders Outlook
issue 10 2011
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SENERCON
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12issue 10 2011
Builders Outlook
www.elpasobuilders.com
6046 Surety Dr. El Paso, TX 79905 915778-5387 Fax: 915-772-3038
I executive officers Greg bowling, President Tropicana Homes frank arroyos, vice President Cisco Homes edmundo dena, secretary/treasurer Accent Homes sam shallenberger, associates council Wholesale Supply Kelly sorenson, immediate Past President Vision Consultants ray adauto, executive vice President El Paso Association of Builders I couNcil/committeecHairs Affordable Builders Council Bobby Bowling IV Associates Council Sam Shallenberger Assoc. Co-Chair Lance Van Demon Build PAC El Paso Randy Bowling Desert Green Building Council Javier Ruiz Industry Promotions Kelly Sorenson Land Use Council Linda Troncoso Sal Masoud Adams Pro AM Committee Randall Smith Young Designer Award John Chaney Home Show Sam Shallenberger Remodelors Rudy Guel Membership Drive Mike Santamaria Finance Committee Kathy Carillo Education Committee Frank Spencer I advisorYtotHeboard J. Crawford Kerr, Attorney, Firth, Johnson & Martinez I boardofdirectors John Aranda, Southwest Securities Bank, FSB Joe Bernal, Joe Bernal Insurance David Bogas, EPT Communities Doug Borrett, Karam Co. Edmundo Dena, Accent Homes Ted Escobedo, Snappy Publishing Art Garcia, El Paso Door Juanita Garcia, ICON Custom Home Builder,LLC Lorraine Huit, Cardel Design Group Walter Lujan, Dawco Home Builders Bruce Meyer, JDW Insurance Kathy Parry, Hunt Communities Bob Paschich, Oeste Homes Kathy Rose, Builders Source Regina Sanchez, Bank of Texas Sam Shallenberger, Western Wholesale Frank Torres, GMF Homes Paul Zacour, Zacour & Associates
2010 builder member of the Year Mike Santamaria Mountain Vista Builders 2010 Pat cox award Randy Bowling Tropicana Homes 2010 associate of the Year Javier Ruiz Border Solar/Senercon John schatzman award Lorraine Huit Cardel Design Group
Honorary life members Brad Roe Cliff Anthes Wayne Grinnell Chester Lovelady Don Henderson Anna Gil
ouR Y
Past Presidents committed to serve Mark Dyer Mike Santamaria John Cullers Randy Bowling Doug Schwartz Del Huit Herschel Stringfield Robert Baeza Bobby Bowling, IV Rudy Guel Anna Gill Bradley Roe Bob Bowling, III EH Baeza
Source in El Paso
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Plumbing Supply
4 3 0 0 R o s a S t. E l Pa s o, T X 7 9 9 0 5
I tabstate directors Doug Borrett, Karam Co., Life Director Randy Bowling, Tropicana Homes
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.
I NatioNal directors Bobby Bowling IV. Demetrio Jimenez 2011 Builders Outlook is published and distributed for the El Paso Association of Builders by Snappy Publishing 240 Thunderbird Suite C El Paso Texas 79912 915-820-2800
Builders Outlook
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Membership News
www.elpasobuilders.com
6046 Surety Dr 915-778-5387
UPCOMING EVENTS
October 12 Board Meeting 11:00 General Meeting 12:00 Noon El Paso Club Guest Speaker State Representative Dee Margo OCTOBER 19 22 TAB MEETINGS AUSTIN, TX OCTOBER 20 22 SUNBELT BUILDERS SHOW AUSTIN, TX
RENEWALS
Alon Brands dba 7 Eleven Firth, Johnston, Martinez, PC Gurrola Electric Joe Bernal Ins. & Finan. Services, Inc. Lutz Construction Master Plan Designs OHagan Corporation Pella Windows Rio Grande Homes Sanderson Custom Homes Texas Electrical Contractors, LLC Tropicana Homes Villagi Homes, LLC
SODA SPONSOR
Thanks to our OCT SODA SPONSOR: Del Rio Engineering
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Builders Outlook
Industry Reports
AssociatesCouncil
the golfers. The format was great and the pros were outstanding. Thank you to John Chaney, Mundo Dena, Frank Arroyos, Greg Bowling, for taking time out of your busy schedule to make this happen and Ray Adauto for putting it together for us again. One other item of interest is that our friends at UTEP decided that they did not need Uncle Ray Adautos PA talent for football. They had already fired him from basketball which was a big mistake if you compare him to the new announcer. Larry Patton, President and CEO from El Pasos largest local bank doesnt want anyone but Uncle Ray to do the Bank of the West Don Haskins tournament P A during the holidays. Mr. Patton knows talent. We have been supporting UTEP a long time but at the September board meeting the Board of decided that we did not need to have a sponsored tail gate party at UTEP this year. Sometimes you need to send a message. We have.
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EPABONTHESCENE
Speed Networking
The final speed networking event of the year went off September 21 at the EPAB offices. The event was sponsored by thirteen Associate members hosting eight builders or builder buyers. I find this event really beneficial to our business, said Joe Bernal of Joe Bernal Financial Services. His statement was seconded by Chuck Gabriel of Carpets West, another participant. You know we dont realize how important it is to be here and support the Association, but even more important is the fact that we showcase our products to potential clients, he continued. So many times we forget that even our current client base may need to see something different and this is a great place to do it. Participants included Carpets West, El Paso Door, Ferguson Kitchen and Bath, Joe Bernal Financial Services, New Era Foam, Passage Supply, Pioneer Bank, PLC Construction Finishes, Rio Roofing, Scott Contracting, Sun City Winnelson, Wagner Equipment, and Western Wholesale Supply. Our thanks to them for participating.