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www.elpasobuilders.

com VOL 2019 ISSUE 9

BuildersOutlook
PUBLISHED BY THE EL PASO ASSOCIATION OF BUILDERS: NATIONAL, STATE AND LOCAL HOME BUILDING INDUSTRY NEWS

Future of Housing
Majority of americans cite growing housing affordability problem as a crisis

NAHB.ORG surveyed in August to assess the affordability as a concern in their proposal to reduce regulations, such as
public’s attitude on whether a lack of neighborhood. restrictive zoning and permitting
Four out of five American households affordable housing is a problem in their Asked about potential solutions to the procedures, that increase the costs of
believe the nation is suffering a housing neighborhoods, cities, states and housing affordability problem, constructing new homes.
affordability crisis and at least 75 nationwide. The poll cuts across respondents in the August poll The poll is also consistent with the
percent report this is a problem at the partisan, regional, demographic and expressed modest-to-strong support for latest findings from NAHB’s Housing
state and local level as well, according socio-economic lines. Among its key several policy prescriptions put forth by Trends Report for the second quarter of
to a new nationwide survey conducted findings: various candidates for federal elected 2019, which finds that 80 percent of
by Morning Consult on behalf of the office. buyers say they can afford to purchase
National Association of Home Builders • 80 percent of all respondents believe For example, 64 percent said they fewer than half of the homes available
(NAHB) that a lack of affordable housing is a would support a proposal to expand in their local markets.
“Housing affordability is near a 10- problem in the U.S. government programs to increase the When asked which of the two major
year low and this poll confirms the • 78 percent believe this is an issue in supply of affordable rental housing. political parties is more likely to take
challenges hard-working families face their state. This was followed closely by 62 action to reduce the cost of housing in
to keep housing within reach as rising • 75 percent cite housing affordability percent who said they would support a the United States, respondents gave
costs continue to outpace wage as a concern in their city and 76 proposal to provide grants to families in the edge to the Democratic Party (36
growth,” said Greg Ugalde, NAHB percent say it is an issue in their areas historically affected by housing percent) over the Republican Party (21
chairman and a home builder and county. discrimination to assist with a down percent). Another 24 percent said
developer from Torrington, Conn. payment on a home. neither party, and 18 percent said they
“Policymakers must roll back inefficient A similar poll conducted in late And 57 percent said they would didn’t know or weren’t sure.
zoning rules, costly impact fees and November reveals that the housing support a proposal to increase taxes on This national survey of 19,801 adults was
outmoded land development affordability situation is worsening. the richest Americans to pay for conducted Aug. 9-24, 2019 by the polling
regulations that are driving up housing Nationwide, 73 percent of respondents construction and rehabilitation of more firm Morning Consult. It has a margin of
costs, contributing to the mounting lack reported at the end of last year that a rental housing that is affordable to error of ± 1 percent.
of affordable housing and hurting lack of affordable housing is a problem, lower-income households.
middle- and low-income households.” 68 percent said this is an issue in their More than half of the respondents—
More than 19,800 adults were state and 54 percent cited housing 52 percent—said they would support a

429
PERMIT NO.
EL PASO TX
PAID
U.S. POSTAGE
PRSRT STD
2 BuildersOutlook 2019Issue9

The El Paso Association of Builders thanks


the 2019 Parade of Homes Builders,
Sponsors, Volunteers and Agents.

Your commitment to our industry is a


vital part of our association.

Congratulations on a job well done!

Developer: Presenting Sponsor:


Hanson Development
Builders:
BIC Homes
Deal 2 Deal Custom Homes
Military Sponsor:
Diamond Homes
ICON Custom Home Builder
Education Employee Sponsor:
JER Custom Homes
Pacifica Homes
Palo Verde Homes Medical Employee Sponsor:

Rosewood Design & Build


First Responders Sponsor:
Winton Homes
2019Issue9 BuildersOutlook 3

President’sMessage

The Concepts of Important vs. Urgent and EPAB


important, the less time you will have because new legislation prohibits revise our mission (what we do), our
to focus to urgent matters or putting municipalities from setting building vision (goals) for 2023, and the basic
out fires. permit permits fees on valuation and values (what we stand for) of our local
In our EPAB, we are working on the EPAB is no longer provided that association to clarify our philosophy,
both what is urgent and what is information; therefore, a new method which strengthens the cohesion
important. Our secretary, Sal Masoud, needs to be found, and that is an between our members and provides
Sergio Cuartas and the Government Relations urgent and important matter. Thanks direction for our association. We will
President
El Paso Association of Builders Committee have met with the city of to all the builders who have also be doing a SWOT analysis
Socorro to explain to them that there participated in the discussion and (strengths, weaknesses,
In the book The Seven Habits of are 700+ homes and apartment units provided information to EPAB. opportunities, and threats) as part of
Highly Effective People, Stephen expected to be built in their city during At the same time, other committees our strategic planning process which
Covey explains the difference the next 12 months. Their building continue to do important work, helping will provide guidance on the following
between what's important and what is permits and inspections department the community and increasing questions: 1. How do we capitalize on
urgent. If you do not focus on doing must be prepared to handle all that awareness on behalf our association our strengths to take advantage of our
what is important, most of your time work plus the commercial members. Others work raising funds opportunities? 2. How do we
will be spent taking care of urgent development that comes with it in an for our association through different overcome our weaknesses which
matters. For example, paying your efficient manner as a service to the events and activities and providing prevent us from taking advantage of
bills on time is important. However, if community and to 6000+ constituents information and education to our opportunities? 3. How can our
you do not pay your bills on time and who are employed by our industry. members. Thank you to all the strengths reduce the probability of
they become past due, paying them That is definitely an urgent and committee chairs and to all builder threats? 4. What can we do about our
right away becomes not only important matter that needs to be and associate members for their weaknesses to make the threats less
important but urgent. Effective addressed and resolved. The support of our efforts. likely? Thank you to all our leaders
customer service, planning, training, Government Relations Committee is Ray, our EO, and Margaret continue who are participating in these
studying your numbers and your also working on strengthening our to do important and urgent work absolutely important tasks.
market are all important but not working relationship with other managing the day-to-day affairs of our As always, please do businesses
urgent tasks. If your customers municipalities and government association such as dealing with city with a member, help a member,
become dissatisfied with your service institutions. That is a decisively officials, TAB and NAHB, while recruit a new member, participate in
or product and they start posting on important matter. publishing our newsletter, planning our events and advertise in our
social media about their Our vice president Edgar Garcia events, collecting our dues and publications. Thank you very much for
dissatisfaction, it becomes a critically with Bella Vista Custom Homes is managing the relationships with everything you do for our association.
important and urgent matter to addressing the issue of finding a new members, the city, among other tasks.
resolve. The idea is that the more method of collecting EPAB builder Lastly, our Long-Range Planning
time you spend doing what is membership fees. This is necessary Committee has been meeting to
4 BuildersOutlook 2019Issue9

Executive’sMessage Autumn at the Association PRINT & INTERNET


PUBLISHING
quality. With the tight availability of pigment. The tragedy was a
lots this Parade thing requires long catalyst for the community and for
range planning and guts. Not every many of our friends around the
SOCIAL MEDIA & WEBSITE
developer is anxious to host a country. I want to expressly single CONTENT MANAGEMENT
Parade, some don’t have lots out our fraternal sister association,
available or in an instance or two The East Texas Builders E-MAIL NEWSLETTERS
they do not have any desire to host. Association. I received a beautiful
That’s ok, but it also means that it is card of support and a community COMMUNICATION 
hard for the association to stage a gift inside it. The expression of STRATEGY
Parade each year. We were support, prayers, thoughts, and
Ray Adauto
Executive Vice President fortunate this year that Hanson heart felt friendship is so welcomed EDITORIAL SERVICES
El Paso Association of Builders Asset Management had some lots and frankly breath taking. All our
at Valley Creek Unit 3 and we’re TAB Federation reached out to us
There are so many things going grateful for the opportunity. We at the meetings held at Grapevine,
on at the EPAB right now that it is originally had thirteen builders say but this card and its remarks inside
hard to write a column on just one yes, then as the commitment was are forever being kept by our
thing. Obviously, the big event is realized or business took them association. Our hearts sunk when
the Parade of Homes, so I’ll start somewhere else, we got down to another evil touched Midland
there. I have come to admire the nine. Ten houses were built, Odessa and we are praying for you
work that needs to be done to host unfortunately not all met deadlines, all as well. We must keep laser
a Parade home, from the get-go to but in the end all the homes will be focused on the demons that did the
the finish. It’s not easy and its not ready and sold. On preview day we shooting, and to pray that this
meant to be. Let me be blunt, a had three with contracts so we senseless violence stops. I don’t
Parade of Homes is not just another know that the homes are saleable have an answer for that since we
open house event. It is historically and desired and within the next few don’t know what’s on somebody’s
the event that showcases the best months the homes will be occupied mind. We can only hope that if
of the best in local home building. and humming. Congratulations to all someone suspects something that it
It is traditionally a very select few our builders, our developer and the reported to the proper authorities
who are invited to participate and suppliers and subs. Your homes BEFORE the actions are taken. And
even then, it might just be eight to are masterpieces. we pray that there is justice done
ten builders out of the membership It’s been six weeks or so since for those who sadly have been
ted escobedo
who commit to the event. It is also the act of violence came to El Paso impacted. ted@snappypublishing•com
held on one subdivision, one that by way of an insane troubled and talk & text: 915•820•2800
can accommodate eight to ten vicious attacker who was “hunting
individual homes of substance and Mexicans” or anyone of darker Get Creative. Make it Snappy.
www.snappypublishing.com

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NORTH HILLS LAS CRUCES


12121 DYER STREET | EL PASO, TX 79934 384 S. MELENDRES STREET | LAS CRUCES, NM 88005
915.218.5800 575.526.9238
2019Issue9 BuildersOutlook 5

NationalOutlook
New Home Sales Post West. Sales are down 16.5 percent in the
Northeast and 10.5 percent in the Midwest.
Solid Gains in August
Sales of newly built, single-family homes Construction Slowing in
increased 7.1 percent to a seasonally
adjusted annual rate of 713,000 units in
August off a revised upward reading in
Manufacturing Areas
In a possible sign of economic softening TE X S
XA
ASSOCIATION
July, according to newly released data by in the industrial heartland, home OF
the U.S. Department of Housing and Urban construction in the nation’s major BUILDERS
Development and the U.S. Census Bureau. manufacturing areas registered declines on
On a year-to-date basis, new home sales a year-over-year basis in the second
for 2019 are 6.4 percent higher than the quarter of 2019, according to the National
same period in 2018. Association of Home Builders (NAHB)
“With job growth continuing and lower Home Building Geography Index (HBGI). 2019-2021
interest rates in place, builders report rising
confidence levels, and this is reflected in
today’s solid sales report,” said Greg
When the manufacturing sector was
exhibiting stronger growth in 2017, the rate
of home construction in counties with
TA B C O N T R A C T S
Ugalde, chairman of the National relatively high shares of local
Association of Home Builders (NAHB) and manufacturing employment outpaced the TE XAS ASSOCIATI
T ON OF BUILDERS
a home builder and developer from rest of the nation.
Torrington, Conn. “The HBGI data show that the IS HERE TO HEL
LP PROTECT YOU!
“We have seen a general rebound in the manufacturing sector of the economy has
housing market since spring, as sales, been gradually losing steam since 2017
The 2019-2021 Texas Residential a Construction Contracts reflect the
starts and permits have all registered and there has been a corresponding drop most recent legislative changes affecting the homebuilding indus-
gains,” said Danushka Nanayakkara- in new home construction in counties tr y in Texas. Overall, more than 50 enhancements have been made
Skillington, NAHB’s AVP for Forecasting where manufacturing employment is most to the various contracts and ag greements, including arbitration pro-
and Analysis. “However, affordability concentrated,” said NAHB Chief Economist cedures, latent defect claim issues, code compliance matters and
remains a factor because buyers can’t Robert Dietz. “This correlation indicates
benefit from lower interest rates if they that as housing goes, so goes the attorney ’s fees.
don’t have the money for a downpayment.” economy.”
A new home sale occurs when a sales The second quarterly release of the Here are a few eye-catching upd
dates that will be included in the
contract is signed or a deposit is accepted. HBGI focuses on the housing markets in 2019-2021 contracts package.
The home can be in any stage of the top manufacturing counties, which  New Flood Notice Requiremeents.
construction: not yet started, under represent 10 percent of the nation’s single-
construction or completed. In addition to family production output and 6-7 percent of
 New Homeowner Maintenance Form.
adjusting for seasonal effects, the August multifamily construction.  New Job Rules Addendum to the Independent Contractor Form.
reading of 713,000 units is the number of Home building in these areas posted a  Updated Express Home Warranty that reflects current build-
homes that would sell if this pace decline in the first half of 2019, and second
continued for the next 12 months. quarter data reveal that single- and ing practices and updated standards.
multifamily construction decreased by 3.8
The inventory of new homes for sale was percent and 4.1 percent, respectively, on a The 201 7-2019 subscription e x pired August 31 , 2019.
326,000 in August, representing a 5.5
months' supply. The median sales price
year-over-year basis.
The HBGI is a quarterly measurement of Purchase online at Te x a s B uilder s .org .
was $328,400. The median price of a new building conditions across the country and
home sale a year earlier was $321,400. uses county-level information about single- Pr ot e c t y o u r se l f a nd y o u r b u si ne ss b y
Regionally, and on a year to date basis, and multifamily permits to gauge housing purcha sing the new contra cts p a ckage today.
new home sales are 11.7 percent higher in construction growth in various urban and
the South and 7.8 percent higher in the rural regions.
6 BuildersOutlook 2019Issue9

ElPasoOutlook

MemberProfile
My private sector experience was mostly in
manufacturing. I also have a passion for
architecture, design, and problem solving. So,
where better to be than in construction.

What have you found out was your best asset


for being a builder? BECOME AN EPAB
Definitely our integrity. We do what we say we will
do. MEMBER TODAY:
Is there anyone who you can point out as the
mentor or supporter for your decision?
My wife, Carissa, has been my biggest supporter. • INDUSTRY ADVOCACY
It is not easy to run your own business, those of
Edgar Montiel, Palo Verde Homes you that own them can relate. She has been there
through it all and has been my rock. We couldn’t • MEMBER DISCOUNTS
BACKGROUND: I am a Mechanical Engineer with do what we do without our amazing PVH Team
an MBA, both degrees from UTEP. I am married to and the Harris Real Estate Group.
Carissa, who helps me run our business, and we • NETWORKING
have three amazing children. I used to work for What style of home do you personally like?
Delphi, General Motors, and IBM before starting Our most popular style of home is the Spanish
my own business. We have been building homes style though we also build Contemporary, • HEALTH PLANS
for over 13 years now. Craftsman, Tuscan, and Modern Farmhouse style
homes as well. It would be awesome to someday
PALO VERDE NAME: While living in Tucson I fell build a container home. • RETIREMENT PLANS
in love with the Palo Verde tree. It has this
beautiful bright green trunk and yellow flowers Would you recommend being a member of the
EPAB
blossom from it in the summer. It lives over 100
I would recommend being a member of the El • BUSINESS DEVELOPMENT
years and we plan to be building for at least that
long. We love the desert so much that we name Paso Association of Builders. It has allowed me to
most of our floor plans after desert plants. foster great relationships with other home builders,

HOBBIES: Spending time with my family, UTEP


developers, and associates. The NAHB, TAB, and
the EPAB are always advocating for builders and Call 778-5387
this would not be possible without our
Basketball and Football, playing the guitar,
coaching basketball, and cars. membership. today!
How did you decide to become a builder?
I love putting things together from the ground up.
2019Issue9 BuildersOutlook 7

FinancialOutlook
What Will Cause the Next Recession?

to slow the economy to reduce late cycle Volker. The only way to squeeze largely impotent monetary policy as rates
Elliot Eisenberg inflationary pressures. In the process, inflation, which was north of 13% at the are already very low, and if all this leads
they either raise rates too much or keep time, out of the economy was to induce a to one or two negative monthly job
Economic & Policy
them too high for too long, driving the recession. In 2001, it was the tech reports which, in turn, leads to
Blog economy into a recession. A second bubble, and in 2008 the recession was weakening consumer confidence and
reason we have recessions is due to caused by the housing bubble. spending, you probably have the
unforeseen shocks to the economy. It But the 1990 recession was different; it beginnings of a recession. Regrettably,
might be a war or a sudden rise in had no singular cause. On one hand, it getting out of the next recession may
energy or food prices which reduces was a result of a commercial real estate take longer than usual because fiscal
The Great Recession of 2008 is firmly household spending power and can bust partly caused by the S&L crisis, policy is already a spent force as we are
in the rearview mirror, we are now cause widespread obsolescence of which in turn led to a severe drop in already running historically very large
enjoying the longest recovery in US capital equipment because the higher construction activity. But there was also deficits. And that means a much-reduced
history, the unemployment rate is near a price of energy makes the equipment a major rise in energy prices, due to willingness on the part of Congress to
50-year low, wage growth is pretty good, uneconomical. A third cause, and one Iraq’s invasion of Kuwait, which hurt cut taxes and boost spending.
inflation is virtually non-existent, and the that has recently been the culprit is consumer confidence and spending. In The good news, the coming recession
stock market is just a few percentage financial excesses (think bubbles) that addition, there was the post-Cold War is not likely to be very deep as there are
points off its all-time high. Yet, talk of result from overexuberance on the part drawdown in defense spending which led no obvious bubbles that must be
recession is increasingly common. And of markets that lead to mispricing of to a rise in unemployment. While none punctured. And lastly, with a bit of luck,
it’s not surprising, given the weakening assets and finally a financial crisis. of these events in isolation would have this recovery can keep on going for
global economy, the decline in exports, The 1973 recession was caused by a precipitated a recession, collectively they another few years; it is entirely possible.
the soft energy and transportation quadrupling of oil prices by OPEC. did. Fortunately, it was short and shallow,
sectors, the ailing agricultural markets, Overnight, oil went from $3/bbl to but the recovery was slow and jobless.
and of course, the overarching US-Sino $12/bbl. Moreover, the supply of oil was As for what’s to come, I suspect the Elliot Eisenberg, Ph.D. is President of
GraphsandLaughs, LLC and can be reached at
trade/currency/tech war. That said, while severely restricted, which led to gasoline next recession will be caused by a Elliot@graphsandlaughs.net. His daily 70-word
the next recession may well not arrive till rationing and long lines at gas stations. confluence of factors. The trade war is economics and policy blog can be seen at
2021, it is not entirely clear what will This caused consumer spending to already hurting GDP growth. Add to that www.econ70.com.
cause it. plummet and factories to close, crushing a global slowdown, a decline in energy
In general, recessions are caused by the economy. The recessions of 1979 prices, a weakening transportation
one of three things. Often, central banks and 1982 were deliberately engineered sector, feeble manufacturing activity,
raise interest rates too much in an effort by the Fed and its then chairman, Paul Brexit and other European problems,
EventsOutlook
Parade of Homes
Preview Party
The 2019 Parade of Homes
Preview Party, sponsored by Franklin
Building Materials, was held on
September 20. The night was
beautiful, the guests anxious to visit,
and the homes ready to show off. Of
the ten homes in the Parade of
Homes nine homes were ready and
available to be shown. “I think that
this show is one of the better ones
we’ve had in a while,” said Marty
Johnson, a guest from east El Paso.
The night is always a great way to
meet the builders and mix with
friends many haven’t seen since last
year. Delton Deal, committee chair
for the event, was proud of what the
builders had done. “We have had a
lot of work being done to be ready
for the Parade, and tonight it is all
worth it,” Deal told the Outlook. J J
Vasquez from Pacifica Homes
agreed. “We worked hard in some
extreme heat and mosquitos to get
done for the opening. We really
pushed our subs,” he said.
The truth was in the comments
from the visitors, including David
Osborn President of WestStar. “I
keep saying that El Paso has great
builders, and tonight the proof is right
here,” he told us.
The Parade of Homes continues
through Sunday October 6.

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For All Your Electrical


Residential Specialists
Tract Homes • Custom Homes

Total Customer 915-208-9313


Satisfaction 800-853-3996

El Paso Association of Builders


10 BuildersOutlook 2019Issue9

EPABMembers&Services
Builder-DeveloperMembers
BUILDER & DEVELOPERS Cullers Homes Gaddy Construction Metro Homes, Inc. Southwest Land Development
Bain Construction Jason R. Cullers Charles Gaddy Judith Arrunada, Fernando Torres Services
Scott Bain 915-584-5600 915-581-3966 915-538-2497 Doug Schwartz
915-852-8620 D B Innovations LLC Guel Construction Pacifica Homes, Inc 915-592-0290
Althon Investments, LLC Dan Berry Rudy Guel Juan Jose Vasquez Spanish Oaks Custom Homes
Jose Luis Martin (915) 283-7558 915-595-0979 915-857-1855 Juan R. Saenz
(915) 532-3100 Dawco Home Builders Hakes Brothers LLC Padilla Homes 432-238-3090
Bella Vista Custom Homes, Inc. Walter O. Lujan Chris Hakes Misael Navarrete The Heritage Group
Edgar Garcia 915-587-5267 575-373-1120 (915) 833-3839 David Bingham
915-433-4854 Deal 2 Deal Custom Homes Hanson Asset Management, LP Palo Verde Homes 915-598-6606
BIC Homes Delton Deal Russell Hanson Edgar Montiel Trejo Construction Co
Antonio Cervantes 915-217-9233 915-842-0111 915-584-9090 Juan Trejo
915-855-8236 Del Rio Engineering, Inc. Homes by Design Pointe Homes 915-637-5193
Blue Sage Homes, LLC Sal Masoud Leslie Driggers Hoard Carlos Villalobos Tropicana Building Corp.
Jaime Gonzalez 915-833-2400 915-525-4765 915-790-1515 Bobby Bowling IV
915-787-9175 Diamond Homes, LLC Hunt Communities, LLC Porter Homes 915-821-3550
Carefree Homes Valerie Baquera Kathy Parry Albert Porter Tropicana Development
Richard Aguilar 915-449-9044 915-298-0490 915-833-3597 Greg Bowling
915-590-8511 E. Valencia Land Development LLC ICON Custom Builder, LLC. R.C. Baeza & Associates 915-757-1802
Casas De Leon, LLC Eddie Valencia Carlos Garcia Robert C. Baeza Tropicana Homes
Nick Bombach 915-855-0622 915-859-3713 915-857-1818 Randy Bowling
915-584-5050 Eclat Homes & Designs Industrial Realty Group Incorporated R.E. Welch Contractor 915-821-3550
Cisco Homes LLC Veronica Guerra Brent D. Harris Gordon Welch Tropicana Properties
Francisco Arroyos III (915) 630-6729 915-877-4300 915-778-9977 Demetrio Jimenez
915-633-8002 Edward's Homes, Inc. JER Custom Homes, LLC Rassette Homes, Inc. 915-755-9113
Classic American Home Eduardo Fernandez Jorge E. Rodriguez Donald Rassette Uptown Homes Residential, Inc.
Priscilla Hernandez 915-849-8819 915-929-8420 915-585-3330 Francisco Baquera
915-593-7707 EPT Bella Custom Dream Homes Lloyd Hamilton Contruction Rio USA 915-240-4996
Crown Heritage Homes Leti & Javier Navarrete Lloyd Hamilton, III Fredduy Klayel Will Harvey Development
Lydia Mlouhi 915-779-4553 915-588-8558 915-526-2885 Will S. Harvey
915-252-8193 EPT Land Communities Loyalty Homes Rosewood Design and Build 915-584-8242
CS Custom Homes David Bogas Gustavo Loy Brianna Barnes Winton/Flair/Accent Homes
Steve Gonzalez 915-838-8100 915-471-1894 (915) 730-4747 Herschel Stringfield
915-346-1107 Everest Homes M A Builders & Design, LLC Santana Custom Homes 915-584-8629
Cullers & Caldwell Builders Edmundo Dena, Jr. Mustafa Ali Fernando Santana Zia Homes of El Paso, LLC
John Cullers 915-855-8633 915-587-9566 915-694-4256 Preston Brown
915-584-5600 Fortune Custom Homes Maravilla Homes 915-490-9525
Javier Andrade Victor Robles
915-856-7795 915-328-8599

AssociateMembers Appears Alphabetically by Service or Product

3RD PARTY INSPECTIONS BANKS/BANKING SERVICES Ken Donham CONCRETE ACCESSORIES & CUSTOM PADS, LANDSCAPING,
Vision Consultants, Inc. Bank of Texas 505-991-4719 MASONRY-LANDSCAPE CUSTOM AQUARIUM, BUBBLE
Kelly Sorenson Ray Owen Lowes Home Improvement Border Construction Specialties WALLS
915-227-2100 915-313-6720 Johnny Rodriguez Ricardo Yvellez The Dorian Group/Ocean Gallery USA
City Bank Texas 915-755-9155 915-566-1688 Miguel Angel Mercado
ALARM SYSTEMS Bob Kotarski McCoy's Building Supplies 915-778-5111
ADT Security 915-833-0267 Doug Danner CONCRETE WORK-POST TENSION
Veronica Vazquez Citizens Loan Center 915-751-8261 J & H Concrete & Post Tension DISPOSAL HAULING
915‐258‐3870 Jim Easley L & P Building Supply Jorge Herrera ‘ Demcon Disposal Management, LLC
915-275-0715 Denise McConnell 915-581-3103 Ryan Robles
APPLIANCE DISTRIBUTORS First National 1870 575-527-8000 915-577-9477
Builders Source Appliance Gallery Ernesto Avila Foxworth Galbraith Lumber CONSULTING, COACHING AND
Sandra Lucero 915-881-6702 Dan Villarreal TRAINING DOOR SHOP/ MILLWORK
915-775-1000 Vantage Bank 915-779-7777 Senpai Training and Development SUPPLIER
Morrison Supply Josie Cantu Leonardo Corral Trim Team
Sam Shallenberger 915-594-3404 CABINET MANUFACTURING 915-303-0743 915-856-0791
915-778-3086 Western Heritage Bank J. B. Laminates
DOORS
Kathy Carrillo Gina Rodriguez CONSULTING/ENGINEERING Franklin Door and Trim
APPLIANCES 915-782-2400 915-886-5510 LOI Engineers Jesse C. Brown
GE Appliances WestStar Bank Bernardino Olague 915-781-1532 940-210-0450
Christine R. Villanueva David Osborn CABINETS 915-871-1190
806-252-3683 915-747-1640 Cabinet Masters DUMPSTER RENTAL/SPRAY FOAM
Whirlpool Mike Robles CORPORTATE RETIREMENT PLANS INSULATION
Gwen Walker BATHROOM RENOVATIONS 915-256-5012 Bukaty Financial Companies Group 915 Siteworks, LLC
505-220-3915 Rebath of El Paso/Las Cruces Ruth Rivera Miguel Chavez
Lisa Walling 512-796-1205 915-859-3713
ASPHALT PAVING 915-633-8101 CIVIL ENGINEERS CPA
ELECTRICAL CONTRACTORS
Alpha Asphalt Moreno Cardenas Inc. Beasley, Mitchell & Co., LLP Haskins Electric
Gabriel Chavez BRICK Roberto Moreno Brad Beasley Charles B. Haskins, Jr.
915-252-6244 Acme Brick Company 915-532-2091 575-528-6700 915-629-9196
Brent Smith James L. Ellis, CPA, PC IES Residential
ASSOCIATION 915-859-9171 CONCRETE Jim Ellis 915-593-7070 Joshua Garnica
El Paso Mortgage Bankers Association Oropeza Concrete 915-598-8631 915-356-5644
Brenda Aguirre Angel Oropeza SBNG, P.C. Saldivar Electric, Inc.
915 204-3867 BUILDING MATERIALS 915-873-7391 Tyler Smith Martin A. Saldivar
Greater El Paso Assoc. of Realtors BMC Select 915-544-6770 915-778-7085
Jason Sanchez David Quintana CONCRETE & LANDSCAPING Randall Smith, CPA
915-779-3521 915-218-5816 MATERIAL Randall Smith
ENERGY STAR RATER
Greater El Paso Chamber of Commerce Boise Cascade GCC Sun City Materials, LLC 915-225-5200 915-533-8266 Senercon
David Michael Jerome Mike Flores Antonio “Tony “ Chavez Javier Ruiz
915-534-0522 915-525-6037 915-565-4681 CREDIT UNION 915-892-0547.
DWS Building Supply Jobe Materials, LP First Light Federal Credit Union
ATTORNEYS Sabrina Voorhies Charlie Tellez Lorenzo Revelez ENGINEERING
Firth, Johnston, Bunn & Kerr 915-351-7300 915-298-9900 915-225-0581 CEA Engineering Group
Jay Kerr; Victor Firth E.F. Building Materials, Inc Mini Concrete Materials GECU- Greater El Paso Credit Union Jorge L. Azcarate
915-532-7500 Efren Fraire Joe Soto Danny Galindo 915-544-5232.
915-593-1301 915-852-4468 915-774-4733 Conde, Inc.
Conrad Conde
El Paso Building Materials MTI Ready Mix, Inc. TFCU
915-592-0283.
AUTO HOMEOWNER INSURANCE Ken Wade Tony Mullen Yolie Melendez-Estrada TRE & Associates
TAB endorsed State Auto 915-549-1170 915-859-5767 915-843-8328 Linda Troncoso
(Association Insurance Solutions) Franklin Building Materials 915-852-9093.
Russ Sartain, Danner Bethel Cristina Sheldon
512-203-2910 915-855-3859
Simpson Strong-Tie Company, Inc.
2019Issue9 BuildersOutlook 11

EXTERIOR FOIL SHEATHING Joe Bernal Ins. & Financial PORTABLE RESTROOMS TILE & NATURAL STONE Texas Title Company WATER SOFTENERS
Powerfoam Insulation Services, Inc. Sarabias Blue Sanitation Floor & Decor Steve Raney El Paso Water Softeners
Arnie Pedersen Joe M. Bernal Monica Brown Pedro (Peter) Ramirez 915-593-3400 Rebecca Estrada
972-299-5556. 915-542-0900. 915-544-9022. 915-533-3108 915-407-5599 915-307-9183
Porta- Jons Interceramic Tile & Stone TOTAL OFFICE SOLUTION
EXTERIOR PATIO PRODUCTS INSURANCE - RISK Gallery SOURCE
Modern Exteriors MANAGEMENT POST TENSION David Holguin Spectrum Technologies WATER REMOVAL
Hector Macias HUB International Post Tension Steel 915-593-7357 Miled Daou Jimmy Garza Emergency
915-857-5126 Luis Rosas Dennis Moore 915-781-2000. 915-781-2288 Water Removal
915-206-6023 915-474-0180. 915-532-0119 Jimmy Garza
FIREPLACES/INSTALLATION TITLE & ESCROW  TRUSS 915-562-1123
Jack White Building Specialties COMPANIES El Paso Truss
Claudia Lardizabal INSURANCE AND BONDING PUBLICATIONS Del Sol Title Co. Luis Mendiola WINDOW TREATMENTS
915-855-8630 C. D. Lee/Britton Insurance & Homes of El Paso Hector Phillips 915-751-0025 Gotcha Covered
Bonding Riley Stephens 915-838-8000 Franklin Building Materials, Sophie Soudaiha Agraz
FLOORING Anthony Landavazo/Lisa 915-585-1000 Lone Star Title Co. of El Paso Cristina Sheldon, 915-201-4264
Bordertown Carpets Daniels Su Casa Magazine Aaron Rich 915-855-3859 Southwest Décor El Paso
Brian M. Abraham 915-595-3393 Edwin Rosario 915-545-2222 Corporation
915-522-8993 915-355-7190 Prosperous Title UTILITY Chris Matthews
IRON WORK PRODUCTS Liz Olivar Texas Gas Services 915-594-9240
Area Iron & Steel Works, Inc. PUBLISHING SERVICES 915-288-2462 Maria Ortiz
FOAM INSULATION Fred L. Edmonston Jr. Snappy Publishing, LLC Sierra Title Company 915-680-7288 WINDOWS
New Era Foam 915-833-9494 Ted Escobedo Angelique Roman, Marielsa VEHICLE DEALERSHIP Pella Windows
George Tollen 915-820-2800 Pulido Rudolph Chevrolet Jason Bates
915-861-6683 915-544-3322 Mike Ruffin 915-833-3066
LEGAL SERVICES/TITLE READY MIX Stewart Title of El Paso 915-544-4321 Sun West Windows and Glass
FOUNDATION REPAIR & COMPANY MTI Ready Mix, Inc. Cindy Bilbe WASTE DISPOSAL Ernie Hernandez
STABILIZATION David J. Ellis Fee Office for Tony Mullen 915-225-8200 El Paso Disposal 915-383-2201
G & G Enterprises Gen. Sierra Title 915-859-5767 WestStar Title Irma Parsons
Contractor David J. Ellis Rachel Valles 915-772-7495
Juan F. Garcia 915-566-2666. 915-566-0111 REAL ESTATE SERVICES 915-849-5537
915-726-8995 Team Juan Uribe, LLC
LIGHTING Juan Uribe
City Lights 915-479-5151.
GRANITE/QUARTZ Thomas Brown Home Pros Real Estate Group
COUNTERTOPS 915-533-6045. 915-533-6096 Penny Moore.
Stone City Rocks Designer's Mart 915-585-8806
Chris Baca Valerie Edmiston Legacy Real Estate Services
915-246-7614 915-778-9223 Patrick Tuttle
915-231-9994.
LIGHTING & BATH FIXTURES Century 21 The Edge
HOME & AUTO INSURANCE Ferguson Enterprises Inc. Scott Kesner
State Auto/Association Albert Holguin 915-772-0553
Insurance Solution 915-231-5836. 915-231-9357 Harris Real Estate Group
Danner Bethel Lane Harris
512-203-2910 LOW VOLTAGE WIRING 915-443-8423
Prewire of El Paso, Inc. Bella Vista Realty

T R E AT Y O U R S E L F
Steven Drury Grisel Ortega
HOME FURNISHINGS 915-598-4937 915-491-2056
Copenhagen Imports
Flemming Carlsen LUMBER RES. & COMM BUILDING
915-581-8897 915-584-7769 84 Lumber PRODUCTS Make the most of your next trip with a complimentary upgrade when you
Ernie Chavez Massey Johnson
915-584-8447 Josie Ledesma use coupon # UUGA037. Plus, receive up to 25% off base rates with
HOME WARRANTY 915-487-3359 AWD # G572900.
2-10 Home Buyers Warranty MIRROR, SHOWER DOOR,
Leslie Schey STOREFRONT,AUTOMATIC Visit avis.com/nahb or call 1-800-331-1212.
915-242-7699. 303-306-2222 DOORS & CURTAIN WALLS
Centricity Performance Glass & ROOFING
Brent R. Morgan Aluminum MAK Roofing & Construction
800-749-0381X4790 Hector Hernandez Felix Vizarreta
Home of Texas 915-592-5583 915-691-0532 Terms and Conditions: Offer valid for a one time, one car group upgrade on an intermediate (group C) through a full-size four-door (group E) car. Maximum upgrade to premium (group G), excluding intermediate SUV (group F). Offer valid on daily, weekend, weekly

Amanda Eason Imperial Construction and monthly rates only. The upgraded car is subject to vehicle availability at the time of rental and may not be available on some rates at some times. All taxes, fees (including but not limited to Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle
License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Optional products such as LDW and refueling
are extra. Valid at participating Avis locations in the contiguous U.S., Puerto Rico, U.S. Virgin Islands and Canada. One coupon per rental. A 24-hour advance reservation is required. May not be used in conjunction with any other coupon, promotion or offer. Upgrade will
210-540-7891 MOLDING & LUMBER Alexandro Garcia be applied at vehicle pick-up time. Renter must meet Avis age, driver and credit requirements. Minimum age may vary by location. An additional daily surcharge may apply for renters under 25 years old. Fuel charges are extra. Rental valid through December 31, 2019.
©2018 Avis Rent A Car System, LLC

StrucSure Home Warranty Adams Moulding & Lumber 915-222-3838


Scott Whisenant Tom Swahlen USA General Contractors
210-232-3947 915-584-1440 Javier Olmos

HVAC
A C Refrigeration, LLC
Angel Cabrera
MORTGAGE COMPANIES
Cadence Lending Group
Carolyn De Leon
915-633-3339

ROOFING PRODUCTS
ABC Supply Co., Inc.
HAVE YOU CHECKED
915-820-8503
Startech Heating and Air
Conditioning
Luis Procter
915-779-1633 915-706-2649
New American Funding
Tania Guzman Campaign
757-831-7322.
Larry Eck
915-533-0645
Eagle Roofing Products
Scott Aguilar
YOUR RESTROOMS
915-757-1982
Wolf Air
Arturo Alcantar
Patriot Mortgage
Randy Bowling
915-757-9500
928-220-3899.

SANITATION & FENCE


United Site Services
LATELY?
915-694-8214 Rocky Mountain Mortgage
Company Ramon Armendariz
Justin Hahn 915-330-2318
HVAC DUCTLESS MINI SPLIT 915-593-3111
Mitsubishi Electric Trane HVA Supreme Lending SELF STORAGE
505-228-4264 Lisa Wren Remcon Self Storage
601-549-6768 Will Harvey
HVAC EQUIPMENT Commerce Mortgage 915-833-2399.
Lennox Industries Stephen Sepulveda, Gilbert
Brandon Walker Pedregon SIDING, WINDOWS, PATIO
818-932-5063 915-209-3189 COVERS,CARPORTS
Goodman Mfg. Modern Exteriors
Jorge Guajardo NEWSPAPER Hector Macias
915-219-3896 El Paso Times 915-857-5126
Sal Hernandez, Justin Riley
HVAC SALES/INSTALLATION 915-546-6244. 915-546-6406
Belmont's Air Conditioning, Inc. SOLAR PANELS
Rafael Belmonte PAINT DISTRIBUTOR Border Solar
915-778-7399 Dunn-Edwards Paints Javier Ruiz
Nathan Gordon 915-613-4168
HVAC Supplies 915-855-7535 915-855-8168 Solar Smart Living
Hercules Industries Sherwin Williams Paint Larry Perea With flu season quickly approaching, it’s time to have
John Chaney Cruz Lopez 915-400-2995
915-778-9377 915-532-6921. your restrooms checked by a professional
I T & WEB DESIGN PLUMBING STORMWATER/SAFETY
Cognent, Inc. Q Martins Plumbing ESS Environmental and
Martin Paredes Jose Martinez Safety Solutions
407-809-4417. 915-240-5218. Jose L. Garcia Ramirez
915-775-1171 915-775-1174
INSULATION PLUMBING & IRRIGATION
New Start Insulation SUPPLIES-DISTRIBUTORS
Jose Carreon Baron Supply SURVEYING
915-256-2371 David Trammell ENGINEERING
915-886-3697 Barragan & Associates
INSURANCE Sun City Winnelson Benito Barragan
Bundle Bee Insurance Agency
Victoria Dominguez
Dean Moore
915-532-1600
915-591-5709
CALL TODAY!
915-598-3500
Great American Insurance
El Paso Winnelson
Rene Goldfien
TESTING & ENGINEERING
CQC Testing and 915-307-3463 or 833-437-6776
Group 915-778-4640. Engineering,LLC
Julie Tomlinson W.W. Sales Jaime Rojas
513-412-4921 Eric Hoppes 915-771-7766 Trusted by the El Paso Association of Builders
505-463-8204
12 BuildersOutlook 2019Issue9

TrendOutlook
Most first-time homebuyers feel
overwhelmed and underprepared
47% said they think the homebuying
system is "rigged" for first-time buyers
Although homebuying is a sign of their main source of debt was their
independence and a big step in many mortgage. Framework found that 57%
people's lives, a new report from of first-time homebuyers worry they
Framework shows that homebuyers can’t afford homeownership.
wish they were better educated about Of recent first-time homebuyers,
the process before embarking on their 64% said they came out of the process
real estate journey. knowing more about the financial
The study found that only 41% of burden of homeownership than before
first-time homebuyers felt they were they even began the process. Only
well prepared for the homebuying three in 10 of recent first-time
process, while 55% said they felt they homebuyers said they took a
wished they had an independent homebuying or homeownership class
advocate to coach them through the before they bought their home.
process of homebuying and In July, a study from Freedom Debt
homeownership.
Speaking of preparation, the study
Relief showed that of the 1,028
people surveyed, 29% said
El Paso Disposal
found that 54% of recent first-time homeownership makes them feel
homebuyers and 62% of prospective anxious and stressed, while 26% said
first-time homebuyers said they wished the cost of owning a home is a
they looked for a house sooner rather burden and they wished they were
than later.
Meanwhile, almost half of first-time
renting instead. In April, The National
Association of Realtors and 772-7495
homebuyers even said that they think realtor.com said that first-time
that the homebuying process is homebuyers can afford only 20% of
“rigged” against the buyer. housing stock in some of the nation’s
Northwestern Mutual’s 2019 housing markets.
Planning and Progress Study recently -Housingwire Julia Falcon
showed that 22% of Americans said

INDUSTRY-LEADING
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BUILD IT,
WE’LL BACK YOU UP.
Together, we build the confidence
that sells homes.

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- OVER 13 YEARS OF EXPERIENCE.

Leslie Schey
Builder Solution Specialist
361.739.7739 | lschey@2-10.com
2019Issue9 BuildersOutlook 13

MembershipOutlook
Upcoming Events
October 3 October 10 October 23 October 24
Associates Mixer Board meeting 11:00 Fall Golf Tournament TAB Contracts Class
4:30‐6:00 General meeting 12:00 Butterfield Trail Golf Course EPAB Office
EPAB Office El Paso Club

JOIN US!
10.23.2019
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14 BuildersOutlook 2019Issue9

What is Title Insurance


and Do You Need It?
Purchasing a home is a big and exciting
commitment that can lead to many
wonderful new memories for you and your
family. As you go through the process, you
will sign several different documents. It is
important to read through the numerous
documents that you will be signing carefully,
including a closing statement (or “CD”),
promissory note, mortgage instruments,
deeds and various other documents. One of
the documents that will be mentioned is title
insurance, which is issued after closing.
There are two types of title insurance:
owner’s title insurance and lender’s title
insurance. Here is what you need to know
about both before you close on your home.
Owner’s title insurance helps protect you
from liens or defects in the title of the
property. If a previous owner decides to
challenge your ownership of the property,
you will be protected. Owner’s title
insurance is addressed in the terms of your
contract to purchase your home and is
typically paid for by the seller. It is not a
requirement for you to close on the home,
but it is highly recommended to have
owner’s title insurance.
“A title agency determines the existence
of any title issues and sees that they are
addressed before a transaction closes. For
instance, the seller’s mortgage, unpaid
taxes, unknown heirs or survey matters.
Unknown issues can come to light later, so
a policy is necessary in order to defend you
in those cases. Most claims are associated
with survey issues and tax matters,” says
Janette Coon, president of Prosperus Title &
Escrow LLC.
Lender’s title insurance protects the
lender from any claims made against the
property. Lenders will usually require that
the title insurance covers the full amount of
the loan. The borrower is typically required

DESIGN WITH NATURAL GAS IN MIND.


to cover the costs of the lender’s title
insurance. If the home were being
foreclosed, this type of insurance would
defend the lender’s lien position. Lender’s
title insurance is usually included in the Nothing is more attractive to homebuyers than the right mix of comfort and value. You can
disclosed costs and fees prior to closing on provide both when you build homes that have natural gas.
your home.
Title insurance is an upfront cost when
purchasing a home. The cost will vary by
Natural gas furnaces, water heaters and clothes dryers offer greater efficiency and lower
state and is usually set by the price of your operating costs than their electric counterparts, and natural gas kitchens sell themselves.
home. Title insurance is a large cost, but
unlike other insurance, it is a one-time Let us help you plan for natural gas right from the start.
premium. If you do decide to buy owner’s
title insurance, the title agency will research
previous owners, including divorced For more information:
spouses, heirs of the property, unpaid taxes, ElPasoNewBusiness@TXGas.com
encroachments, easement and restriction William Nieves: 915-496-6126
documents, any pending legal cases, fraud,
or other matters that may affect your title. Jorge Sejera: 915-680-7216
When choosing title insurance, you have
the option of choosing your own title Please continue to direct service line and meter set requests to the Texas Gas Service
agency. This decision is made as part of Builder Services atslimgas-metroElPaso@onegas.com
Hotline at slimgas­metroElPaso@onegas.comoror 1­866­206­9587.
1-866-206-9587.
your contract to purchase your home. If you
don’t know where to start, ask your realtor,
attorney or lender for title companies that
they may recommend. Obtaining title
insurance will give you peace of mind in
knowing that your property and home are
covered.

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HOME
O F T E X A S
800.445.8173 ext. 2149
sales@homeoftexas.com • www.homeoftexas.com
www.elpasobuilders.com VOL 2019 ISSUE 9

BuildersOutlook
PUBLISHED BY THE EL PASO ASSOCIATION OF BUILDERS: NATIONAL, STATE AND LOCAL HOME BUILDING INDUSTRY NEWS
Insurance developed for builders.
Developed for builders with the backing of the strongest insurance
6046 Surety Dr. El Paso, TX 79905 915-778-5387 • www.elpasobuilders.com carriers serving the Texas building industry, our insurance program
offers flexible coverage options and rates that are more competitive
■ EXECUTIVE OFFICERS Johnny Rodriguez, Lowe's than ever. As an authorized member of Builder Agent Network©, we’re
PRESIDENT Randall Smith, Randall Smith, Cpa dedicated to providing builders and contractors with the best-in-class
Sergio Cuartas Justin Hahn, Rocky Mountain Mortgage insurance programs, pricing, underwriting, resources and service.
VICE PRESIDENT Angelique Roman, Sierra Title
Edgar Garcia Ted Escobedo, Snappy Publishing
SECRETARY Patricia Martinez, Stewart Title
Product Portfolio Highlights
Sal Masoud Henry Tinajero, WestStar Bank
EXECUTIVE VICE PRESIDENT t“A” rated carriers, several available
Ray Adauto ■ TAB STATE DIRECTORS
PAST PRESIDENT
Randy Bowling, Life Director t(-PêFSJOHDoverage for property damage that results from faulty, defective,
Edmundo Dena or poor workmanship in your work.
Sam Shallenberger
Edmundo Dena
■ COMMITTEE CHAIRS: t(--JNJUTPGVQUP...Bvailable
Gus Loy
ASSOCIATES CHAIR
Luis Rosas
Don Rassette tExpanded policy form for commercial projects
Luis Rosas
GOVERNMENT AFFAIRS
Sal Masoud tBuilder’s Risk master policies, monthly reporting, annual and one shots
■ NATIONAL DIRECTORS
GOLF TOURNAMENTS t Workers’ Comp - Two highly cost-effective programs
Bobby Bowling, IV
Sam Shallenberger
Demetrio Jimenez
FINANCE COMMITTEE tExDFTT-JBCJMJUZGPS$PNNFrcial (eneral Contractors
Kathy Carrillo/Treasurer
COMMUNITY OUTREACH t$PNNFrcial Umbrella
Angelique Roman
Honorary Life Members
LAND USE
Rudy Guel
Sal Masoud
EDUCATION
Brad Roe El Paso, Permian Basin and Surrounding Area
Wayne Grinnell
Patrick Tuttle
INDUSTRY PROMOTIONS
Don Henderson HUB International Insurance Services
Anna Gill
Ted Escobedo
Mark Dyer -VJT3PTBT
■ ADVISORY TO THE BOARD Sam Shallenberger 915-206-6047
Jay Kerr, Firth, Johnston, Bunn & Kerr www.hubinternational.com www.builderagentnetwork.com
Past Presidents
■ BOARD OF DIRECTORS Committed to Serve
Builders: Don Rassette
Jaime Gonzalez, Blue Sage Homes Edmundo Dena
Lee Gillett, Classic American Homes Edgar Montiel
Frank Torres
Lydia Mlouhi, Crown Heritage Homes
Frank Arroyos
Dan Berry, D B Innovations,LLC
Greg Bowling
Delton Deal, Deal-2-Deal
Randy Bowling
Eder Gallardo, Edwards Homes Bobby Bowling IV
Leti Navarrete, EPT Bella Custom Dream Homes Doug Schwartz
Kathy Parry, Hunt Companies John Cullers
Samira Gonzalez, Icon Custom Home Builders Robert Baeza
Laura Loy, Loyalty Homes Mark Dyer
JJ Vasquez Pacifica Homes Kelly Sorenson
Trevor Turner, Rassette Homes Rudy Guel
Fernie Santana, Santana Homes Brad Roe
Jacob Barde, Tropicana Homes Herschel Stringfield
Bob Bowling III
Associates: Carlos Villalobos
Sandra Lucero, Builders Source
John Chaney, Hercules Industries EPAB Mission Statement:
Luis Rosas, HUB International The El Paso Association of Builders is a federated professional
Jorge Herrera, J & H Post Concrete & Tension organization representing the home building industry, committed
Joe Bernal, Joe Bernal Insurance to enhancing the quality of life in our community by providing
Patrick Tuttle, Legacy Real Estate Service affordable homes of excellence and value.
Aaron Rich, Lone Star Title The El Paso Association of Builders is a 501C(6) trade
organization.

El Paso
1345 Geronimo Dr.
(915) 778-3086
Monday - Friday, 7AM - 5PM
www.morrisonsupply.com

PLUMBING | APPLIANCES | HARDWARE | LIGHTING