The Nail, October 2020

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THE

NAIL The official magazine of Home Builders Association of Middle Tennessee President David Hughes Vice President Steve Shalibo Secretary/Treasurer Nick Wisniewski Executive Vice President John Sheley Editor and Designer Jim Argo Staff Connie Nicley Hannah Garrard

THE NAIL is published monthly by the Home Builders Association of Middle Tennessee, a non-profit trade association dedicated to promoting the American dream of homeownership to all residents of Middle Tennessee.

SUBMISSIONS: THE NAIL welcomes manuscripts and photos related to the Middle Tennessee housing industry for publication. Editor reserves the right to edit due to content and space limitations.

POSTMASTER: Please send address changes to: HBAMT, 9007 Overlook Boulevard, Brentwood, TN 37027.

Phone: (615) 377-1055.

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FEATURES 8 Consumer confidence rebounds in September

Reported by the Conference Board, the Consumer Confidence Index rose to its highest level since March of this year.

9 Oktoberfest Builders Show registration

Three spots left! Sign up now to secure space at this year’s Oktoberfest Builders Show set for October 27 at the HBAMT.

11 How long does it take to build a single-family home?

The 2019 Survey of Construction (SOC) from the Census Bureaus details the average time for home construction.

13 Contribute now to the 2020 Showcase House

Advertise in

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NAIL Visit http://www.hbamt.org/nail.html and click The NAIL Advertising Rates (pdf) to download rates and registration form Email jargo@hbamt.org for more details

Donate materials and/or labor to the 2020 Showcase House, a fundraising project to help generate funds for the association.

DEPARTMENTS 6 News & Information 17 SPIKE Club Report 18 October Calendar 18 Chapters and Councils

ON THE COVER: New home sales hit highest levels since 2006.

More on page six.

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NEWS&INFO

New home sales at highest pace since 2006

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n another indicator that housing continues to lead the economy forward, sales of newly built, single-family homes in August topped the 1 million mark and reached their highest pace since September 2006. Sales increased 4.8% to a seasonally adjusted annual rate of 1.01 million units, according to newly released data by the U.S. Department of Housing and Urban Development and the U.S. Census Bureau. The August rate is 43.2% higher than the August 2019 pace.

“Surging sales are consistent with record builder confidence levels stemming from higher buyer traffic, historically low interest rates and a shift in demand for lower density markets,” said NAHB Chairman Chuck Fowke. “However, higher lumber costs and limited building material availability in some markets signify we could see higher prices down the road.”

Surging sales are consistent with record builder confidence levels stemming from higher buyer traffic, low interest rates and a shift in demand for lower density markets.

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“New home sales are now 15 percent higher on a year-to-date basis, with gains in all regions,” said NAHB Chief Economist Robert Dietz. “But with inventory at just a 3.3 months’ supply, more construction is needed. The challenge will be whether materials and labor are available.”

A new home sale occurs when a sales contract is signed or a deposit is accepted. The home can be in any stage of construction: not yet started, under construction or completed.

In addition to adjusting for seasonal effects, the August reading of 1.01 million units is the number of homes that would sell if this pace continued for the next 12 months.

Inventory fell to a 3.3 months’ supply, with 282,000 new single-family homes for sale, 40% lower than August 2019. The current months’ supply is the lowest in the history of the data series, which goes back to 1963. Of the inventory total, just 54,000 are completed, ready to occupy. The median sales price was $312,800. The median price of a new home sale a year earlier was $327,000.

Regionally, on a year-to-date basis new home sales were up in all four regions: 23.6% in the Northeast, 23.6% in the Midwest, 13.9% in the South, and 12.4% in the West. n

Housing continues growth, builder confidence at record high

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ingle-family starts showed continued growth in August but overall housing production fell 5.1% to a seasonally adjusted annual rate of 1.42 million units due to a double-digit percentage decline in multifamily production, according to a report from the U.S. Housing and Urban Development and Commerce Department. The pace of single-family starts in August was the highest production rate since February.

The August reading of 1.42 million starts is the number of housing units builders would begin if they kept this pace for the next 12 months.

Within this overall number, single-family starts increased 4.1% to a 1.02 million seasonally adjusted annual rate. The multifamily sector, which includes apartment buildings and condos, decreased 22.7% to a 395,000 pace.

“Consistent with surging builder confidence, single-family starts rose in August to meet rising buyer traffic,” said NAHB Chairman Chuck Fowke. “Builders continue to face concerns in terms of rising lumber prices and supply chain shortages of other building materials.”

“Total housing starts were down in August on a decline for multifamily construction, with multifamily 5+ unit permits now down 8.3% on a year-to-date basis,” said NAHB Chief Economist Robert Dietz. “But low interest rates and solid demand are spurring single-family construction growth, which makes up the bulk of the housing market. Single-family permits continue to rise as well, and are now up almost 7% on a year-to-date basis.”

On a regional and year-to-date basis (January through August of 2020 compared to that same time frame a year ago), combined single-family and multifamily starts are 13.6% higher in the Midwest, 5.4% higher in the South, 3.8% higher in the West and 4.5% lower in the Northeast.

Overall permits decreased 0.9% to a 1.47 million unit annualized rate in August. Single-family permits increased 6.0% to a 1.04 million unit rate. Multifamily permits decreased 14.2% to a 434,000 pace.

Looking at regional permit data on a yearto-date basis, permits are 2.6% higher in the Midwest, 4.8% higher in the South, 8.2% lower in the Northeast and 1.3% lower in the West.

Builder confidence roars to record high In a strong signal that housing is leading the economic recovery, builder confidence in the market for newly-built single-family homes increased five points to hit an all-time high of 83 in September, according to the latest NAHB/ Wells Fargo Housing Market Index (HMI) released today. The previous highest reading of 78 in the 35-year history of the series was set last month and also matched in December 1998.

“Historic traffic numbers have builders seeing positive market conditions, but many in the industry are worried about rising costs and delays for building materials, especially lumber,” said Fowke. “More domestic lumber production or tariff relief is needed to avoid a slowdown in the market in the coming months.”

“Lumber prices are now up more than 170% since mid-April, adding more than $16,000 to the price of a typical new single-family home,” said Dietz. “That said, the suburban shift for home building is keeping builders busy, supported on the demand side by low interest rates. In another sign of this growing trend, builders in other parts of the country have reported receiving calls from customers in high-density markets asking about relocating.”

Derived from a monthly survey that NAHB has been conducting for 35 years, the HMI 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.

All the HMI indices posted their highest readings ever in September. The HMI index gauging current sales conditions rose four points to 88, the component measuring sales expectations in the next six months increased six points to 84 and the measure charting traffic of prospective buyers posted a nine-point gain to 73.

Looking at the three-month moving averages for regional HMI scores, the Northeast increased 11 points to 76, the Midwest increased nine points to 72, the South rose eight points to 79 and the West increased seven points to 85.

HMI tables can be found at nahb.org/hmi.

More information on housing statistics is also available at housingeconomics.com. n October, 2020

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Consumer confidence rebounds in September

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fter hitting a 6-year low last month, consumer confidence bounced back in September, as consumers were more upbeat on outlook for economy and the job market.

The Consumer Confidence Index, reported by the Conference Board, rose 15.5 points from 86.3 to 101.8 in September, the highest level since March 2020 and the largest monthly gain since April 2003. The Present Situation Index jumped 12.7 points from 85.8 to 98.5, and the Expectation Situation Index increased 17.4 points from 86.6 to 104, almost back to February level.

Consumers’ assessment of current business conditions improved in September. The shares of respondents rating business conditions “good” remained rose by 2.3 percentage point to 18.3%, while those claiming business conditions “bad” fell by 5.9 percentage points

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to 37.4%. Meanwhile, consumers’ assessment of the labor market was also favorable. The share of respondents reporting that jobs were “plentiful” increased by 1.5 percentage points, while those saw jobs as “hard to get” decreased by 3.6 percentage points.

Consumers were optimistic about the short-term outlook. The share of respondents expecting business conditions to improve increased from 29.8% to 37.1%, while those expecting business conditions to deteriorate fell from 20.7% to 15.8%. Similarly, expectations of employment over the next six months were favorable. The share of respondents expecting “more jobs” rose by 3.2 percentage points to 33.1%, while those anticipating “fewer jobs” declined by 5.6 percentage points to 15.6%.

Despite the overall improvement, consumer confidence still remained below pre-pandemic levels and the Present Situation Index

suggested that current economic conditions remained weak.

The Conference Board also reported the share of respondents planning to buy a home within six months. The share of respondents planning to buy a home slightly rose to 6.4% in September. The share of respondents planning to buy a newly constructed home increased to 1.4%, and for those who planning to buy an existing home remained at 3%.

More details available at the NAHB Eye on Housing page here. n

The Conference Board also reported the share of respondents planning to buy a home rose to 6.4% in September.

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Builders SHOW Exhibit Tent 13

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WE’VE ADDED MORE BOOTHS! The Builders Show exhibit tent will be located on the south side of the HBAMT building and measure 120 x 40 feet boasting space for twenty-nine (45) 10 x 5 feet exhibit spaces. See blue shaded spaces for available booths!

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DON’T MISS OUT! Return your registration form to the HBAMT to reserve your space! Exhibit spaces are limited to two per company.

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ONLY 3 BOOTHS AVAILABLE!

Exhibit Space

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= 10’x5’

= SOLD

Tuesday, October 27

Secure your spot today by returning the registration form provided below to the HBAMT today!

2020 BUILDERS SHOW EXHIBITORS REGISTRATION FORM

- 120 feet -

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Return this form to the HBAMT at 615-377-1077 (fax) or via email to cnicley@hbamt.org Your name: ______________________________________ Company: _______________________________________

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Cell: ____________________________________________ Email: __________________________________________

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Top 3 booth location preferences (not guaranteed): ________

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Number of booths you’re purchasing (no more than two):

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R DE IL R! BU BA

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26 - 40 feet -

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ENTRANCE

_______ x $400 = your total payment: $____________ Credit Card ______________________________________ Credit Card # ______________________ Exp. __________ Credit Card V-Code _______________

The “v-code” is found on the back of the card, usually printed or embossed atop or near the signature strip. It is comprised of three digits found to the right of a longer number.

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How long does it take to build a single-family home?

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he average completion time of a single-family house is around 8.1 months, which usually includes a little over a month from authorization to start and another seven months to finish the construction, according to the 2019 Survey of Construction (SOC) from the Census Bureau.

The average time to build a single-family home has been on an upward trend since 2014, when it took around seven months.

The time from authorization to completion varies across the nation and depends on the geographic location, and whether the house is built for sale or custom built.

Among all single-family houses completed in 2019, houses built for sale took the shortest amount of time — seven months from obtaining building permits to completion, while houses built by owners (custom builds) required the longest time, 13.5 months. Homes

built by hired contractors normally needed around 9.8 months, and homes built-for-rent took about 12 months from authorization to completion.

Single-family homes built by contractors on owners’ land began construction within the same month after obtaining building authorizations. Custom homes built for sale and built by owners serving as general contractors had one month or a little over a one-month lag between obtaining permits and the start of construction. However, single-family homes built for rent took the longest time, almost two months, from authorization to completion in 2019.

The average time from authorization to completion also varies across divisions. The division with the longest duration was the Middle Atlantic (12.3 months), followed by New England (11.9 months), the Pacific (9.8 months), the East South Central (9.0 months),

the East North Central (8.7 months), and West North Central (8.2 months) in 2019.

These six divisions had average time from permit to completion exceeding the nation’s average (8.0 months). The shortest period, 6.9 months, is registered in the South Atlantic division. The average waiting period from permit to construction start varies from 20 days in the Mountain and the East South Central division to 43 days in the Pacific.

The SOC also collects sale information for houses built for sale, including a sale date when buyers sign sale contracts or make a deposit. Looking at single-family homes built for sale and completed in 2019, 27.7% were sold before construction started, 32.7% sold while under construction, 13.9% sold during the month of completion, and 20.5 % sold after completion. The share of completed houses remaining unsold was 5.2%. n

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2020 HBAMT FUNDRAISER

2020 SHOWCASE HOUSE sponsored by members of the HBAMT

Calling all Members!

Help us raise funds for the HBAMT by donating needed materials and labor for the construction of the custom-designed 2020 Showcase House!

THE 2020 SHOWCASE HOUSE at Nature’s Landing in Franklin is an effort to generate funds to help fuel the Home Builders Association of Middle Tennessee’s daily efforts to promote the home building industry and defend its builders against unjust legislative activity.

The project will require the materials and labor needed for the construction of a new, custom designed, 5,045 sq. ft. home. You can help with the Showcase House project by donating needed materials and labor. See inside for a list of those items that are in need of your contributions.

Material and labor donations now being accepted!

SEE INSIDE FOR A COMPLETE LIST OF MATERIALS AND LABOR NEEDED FOR THE PROJECT. Visit http://www.hbamt.org/showcase_fundraiser.html for updated lists on needed materials/labor.

For specific details regarding materials please contact Jimmy Franks: 615-794-7415 or franco314@aol.com; or Blake Parks: 615-243-6373 or blake@tennesseevalleyhomes.com October, 2020

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Materials & Labor needed!

Donate materials and/or labor today to the 2020 Showcase House! A complete list of needed materials/jobs is listed below. For details on delivering or providing your donations, or specific details about the materials/jobs, please contact: Jimmy Franks at 615-794-7415 or franco314@aol.com.

Blake Parks at 615-243-6373 or blake@tennesseevalleyhomes.com.

Visit http://www.hbamt.org/showcase_fundraiser.html to view updated lists on materials and labor still needed as the project is underway.

SCOPE

NATURE’S LANDING Franklin, TN

Showcase House: Lot 30 Directions From Nashville, TN: I-65 South to exit 65 for TN-96 toward Franklin/Murfreesboro. Turn left onto S Royal Oaks Blvd. Turn left onto Mack C Hatcher Memorial Pkwy. Turn left onto Lewisburg Pike. Turn left onto River Bluff Dr. Turn right to stay on River Bluff Dr. Nature’s Landing will be on your left.

DESCRIPTION

House plans - Thank you Binkley Designed!

Concrete Mix

Footings, garage slab, & porches

Foundation Walls - Block

Concrete block

Gravel (All)

Construction drive, footings, garage slab, porches, & crawl space

Driveway/Porches/Walks

Broom finished

Framing - Lumber Package - Thank you Parksite/Dupont Tyvec (house wrap)!

Cornice/Siding Material

Maintenance-free composite wood soffit & fascia

Roofing - 30 Yr. CertainTeed

"Owens Corning Oakridge shingles (or similar) Standing seam metal"

Roofing - Labor Exterior Window & Doors

"Double hung vinyl SDL (when viewable from street) Wood (Fir) front entry Fiberglass pedestrian doors"

Mirrors

Plate-glass mirrors with applied bevel in all full baths (96" height from floor)

Shower Doors

Frameless

Bath Hardware

Delaney towel bars, rings, paper holders throughout

Door Hardware

Delaney Callan II

Garage Door(s)

"Amarr Hillcrest HI1000, Bead Board, True White, Blue Ridge 11"" Handles and Blue Ridge 16"" Straps Chain drive motor"

Masonry Bricks

Queen-sized brick on four sides

Masonry - Bricks Labor Masonry - Stone Material/Install (if applicable)

Cultured stone

Plumbing

"1 Kitchen faucet (Delta Essa) 1 Laundry faucet (Delta Essa) 1/3 HP disposal Icemaker connection for Kitchen refrigerator 3 lavatory sinks w/ Delta Ashlyn widespread faucets 4 lavatory sinks w/ Delta Ashlyn center set faucets 1 square white 8"" pedestal, ProFlo PF14108WH/PF1011WH 3 enameled steel tubs w/ Delta Ashlyn T/S combos 2 shower w/ Delta Ashlyn shower faucet 6 elongated toilets, Mansfield 135WH/161WH 3 hose bibs Water & Sewer Install"

Plumbing - Miscellaneous Fixtures

"Tankless natural gas water heater (NEZ111DVNG1) Kahlo 4 freestanding tub w/ Delta Ashlyn filler Cast Iron apron sink or undermount sink at Kitchen"

Electrical

"Rocker-style light switches throughout (4 dimmer switches) Wiring for 1 exterior accent light fixture on front elevation 7 ceiling fan locations 30 6"" LED recessed cans Electric service install"

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Low Voltage - Phone / TV Jacks / Security Rough-in

"2 phone locations 10 cable locations Pull-through conduit for tv connections at fireplace Pre-wire for 5.1 surround in Bonus Pre-wire for audio & volume control in Great Room Pre-wire for audio pair at rear porch Pre-wire for security system (All doors, 1 motion sensor, 1 keypad)"

Electrical Lighting/Accessories

per selections

Insulation

per Code

HVAC

"Gas heat/electric air 2 gas fireplaces Gas water heater Gas cooktop Possible added patio gas line"

Fireplace Face & Hearth - Brick/Stucco - Thank you Nashville Fireplace Distributors!

Selections to follow: brick, cultured stone, shiplap, sheetrock, granite/marble/quartz

Fireplaces 42"GasV/L - Thank you Nashville Fireplace Distributors!

"One 42"" Orion Low Rider vent free boxes with 24"" Chestnut Hill Refractory Log sets (Family Room) One 42"" Craftsman wood burning (rear porch)"

Handrails - Ironworks

Black iron railing as required

Sheetrock

Square corner bead

Porches - Bead Board/Beams

Cedar or trim board posts, tongue & groove Pine beadboard

Shutters

Cedar, Minwax Stain

Trim Carpentry Millworks

"Solid core doors throughout 7-1/4"" baseboards Crown throughout 3-1/2"" casing at windows doors 7 cased openings throughout Oak stair treads & rails Decorative wall/ceiling treatments TBD"

Trim Carpentry - Closets/Built-ins

"MDF material for three built-ins & lockers MDF shelving at all closets"

Intr/Ext Painting

per selections

Tile All

"Bath floor, shower floors & walls, tub surrounds Laundry floor Kitchen backsplash"

Hardwood Flooring

3-1/4" #1C White Oak in all living areas

Carpet Bedrooms/Bonus Room

Shaw Simple Times w/ 6lb pad in bedrooms & bed closets

Cabinets All

"Kitchen - Shaker style Maple cabinetry w/ Crown, soft close doors & drawers Baths - Shaker style Maple cabinetry, soft close doors & drawers"

Countertops - All

"Granite/Marble/Quartz 4"" splash (all but Kitchen) 6 square lavatory sinks 1 Laundry single (stainless single bowl)"

Gutters - Thank you Clinard Home Improvement!

6" pre-colored aluminum

Appliances - Thank you Ferguson!

Bosch: 36" gas cooktop, 30" Sharp mw drawer, 24" dishwasher, 36" Tradewinds hood liner

Mailbox

Nature's Landing ARC

Irrigation Materials

Full yard

Landscaping - Shrubs / Plants / Mulch / ADS / Finish Grade

Plant material per landscape plan (TBD)

Sod

Full yard

Yard Fencing (if applicable)

5' black aluminum fencing

Misc Labor & Building Clean Up

Brick, rough, finish, & window cleaning

To donate needed materials and/or labor, or for specific details regarding materials/jobs, please contact -

Jimmy Franks at 615-794-7415 or franco314@aol.com; or Blake Parks at: 615-243-6373 or blake@tennesseevalleyhomes.com

Visit http://www.hbamt.org/showcase_fundraiser.html for updated lists on needed materials October, 2020

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SPIKE REPORT Sonny Shackelford 219 Davis Lamb 214 Jackson Downey 182 Jim McLean 164

Ten SPIKES (in bold) increased their recruitment numbers last month. What is a SPIKE? SPIKES recruit new members and help the association retain members. Here is the latest SPIKE report as of August 31, 2020.

Top 20 Big Spikes Jim Ford 912 Virgil Ray 821 Bill King 776 Mitzi Spann 781 Terry Cobb 570 Jim Fischer 567 John Whitaker 565 Trey Lewis 495 James Carbine 402 Jennifer Earnest 375 David Crane 334 Jimmy Franks 322 Cindy Huber 307 Kevin Hale 301 Reese Smith III 261 Steve Moody 221

Life Spikes Randall Smith 152 Tonya Esquibel 148 Harry Johnson 146 David Hughes 143 Steve Cates 142 C.W. Bartlett 138 Helmet Mundt 137 Kevin Woodward 137 Jordan Clark 123 Nick Wisniewski 122 B.J. Hanson 121 Carmen Ryan 120 Steve Hewlett 119 John Zelenak 118 Justin Hicks 112 Michael Dillon 111 Dave McGowan 110 Edsel Charles 109 Wiggs Thompson 105 Duane Vanhook 102 Steve Shalibo 97 Joe Morgan 93 Jeff Zeitlin 87 Christina Cunningham 84 Brandon Rickman 83 Keith Porterfield 79 Erin Richardson 77

Beth Sturm 74 Jody Derrick 72 Sam Henley 72 Lori Fisk-Conners 70 Ron Schroeder 69 Marty Maitland 60 Andrew Neuman 56 John Broderick 55 Derenda Sircy 52 Christina James 51 Rick Olszewski 50 John Ganschow 49 Phillip Smith 47 Ashley Crews 45 Ricky Scott 45 Bryan Edwards 44 Frank Jones 38 Frank Tyree 33 Joe Dalton 30 Don Mahone 30 Spikes Jeffrey Caruth 24 Ryan Meade 20 Rachel Holloway 19 Perry Pratt 19 Nicole Bird 15 Rob Pease 14 Tammy Chambers 13 Eric DeBerry 12 John Nehrenz 11 MacKenzie Curtis 10 Will Montgomery 10

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OCTOBER CALENDAR Sunday

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OKTOBERFEST Builders Show & 2021 HBAMT General Elections

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CHAPTERS & COUNCILS CHAPTERS CHEATHAM COUNTY CHAPTER Chapter President - Roy Miles: 615/646-3303 Cheatham County Chapter details are being planned.

Next meeting: to be announced.

Chapter RSVP Line: 615/377-9651, ext. 310 DICKSON COUNTY CHAPTER Chapter President - Mark Denney: 615/446-2873.

The Dickson County Chapter meets on the third Tuesday of the month, 12:00 p.m. at Colton’s Steakhouse in Dickson.

Next meeting: to be announced.

Topic: to be announced.

Price: FREE, lunch dutch treat.

Chapter RSVP Line: 615/377-9651, ext. 264 MAURY COUNTY CHAPTER Maury County Chapter details are currently being planned.

Next meeting: to be announced.

Chapter RSVP line: 615-377-9651, ext. 312; for callers outside the 615 area code, 1-800-571-9995, ext. 312 METRO/NASHVILLE CHAPTER Chapter President - Tonya Esquibel The Metro/Nashville Chapter meets on the fourth Monday of the month, 11:30 a.m. at the HBAMT offices.

Next meeting: to be announced.

Topic: to be announced.

Builders Free pending sponsorship.

Price: $10 per person with RSVP ($20 w/o RSVP).

Chapter RSVP Line: 615/377-9651, ext. 261 ROBERTSON COUNTY CHAPTER

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Next meeting: to be announced.

Robertson County RSVP line: 615-377-9651, ext. 313.

SUMNER COUNTY CHAPTER Chapter President - Joe Dalton: 615/972-7149 The Sumner County Chapter meets on the fourth Tuesday of the month, 11:30 a.m. at the new Hendersonville Library.

Next meeting: to be announced.

Chapter RSVP Line: 615/377-9651, ext. 262 WILLIAMSON COUNTY CHAPTER Chapter President - John Nehrenz The Williamson County Chapter meets on the third Tuesday of the month, 11:30 a.m. at the HBAMT offices.

Next meeting: to be announced.

Builders Free pending sponsorship.

Price: $10 per person with RSVP ($20 w/o RSVP).

Chapter RSVP Line: 615/377-9651, ext. 305 WILSON COUNTY CHAPTER Chapter President - Nick Wisniewski The Wilson County Chapter meets on the second Wednesday of the month, 11:30 a.m. at the Lebanon Wilson County Chamber of Commerce in Lebanon.

Next meeting: to be announced.

Topic: to be announced.

Chapter RSVP Line: 615/377-9651, ext. 309 COUNCILS GREEN BUILDING COUNCIL Council President - Erin Richardson: 615/883-8526.

The Green Building Council meets on the fourth Wednesday of the month, 11:00 a.m.

Next meeting: to be announced.

Price: free for Green Building Council members pending sponsorship; $20 for non-members with RSVP ($25 w/o).

Council RSVP Line: 615/377-9651, ext. 308 HBAMT REMODELERS COUNCIL Council President - David Crane.

The HBAMT Remodelers Council meets on the third Wednesday of the month at varying locations.

Next meeting: to be announced.

Topic: to be announced.

Price: free with RSVP. Council RSVP Line: 615/377-9651, ext. 263 INFILL BUILDERS COUNCIL The Infill Builders Council typically meets on the third Thursday of the month, 11:30 a.m. at the HBAMT offices Next meeting: to be announced.

Price: to be announced.

RSVP to: 615/377-9651, ext. 265.

MIDDLE TENN SALES & MARKETING COUNCIL Council President - Christina James.

The SMC typically meets on the first Thursday of the month, 9:00 a.m. at the HBAMT offices.

Next meeting: Thursday, November 5th.

SMC members free pending sponsorship; non-SMC members $25 w/RSVP, $35 w/o RSVP Council RSVP Line: 615/377-9651, ext. 260.

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