NCBIA August 2025 BUILDER Newsletter

BUILDER NORTH COAST BUILDING INDUSTRY ASSOCIATION

NEWSLETTER

ncbia, sheffield village, oh 44035

www.ncbia.com

August 2025 - vol. MMXXV

GIFT CARD RAFFLE e k a b m a BASKET RAFFLE l c l a u Ann e

l f f a r e s r e v e R &

AMERICAN LEGION POST 211 31972 WALKER RD., AVON LAKE

& MORE

ND

THURSDAY, OCTOBER 2 , 2025 5:00 pm

North Coast Building Industry Association (NCBIA) BUILDER newsletter is the official newsletter of the NCBIA and is published monthly by the NCBIA. The NCBIA is an affiliate of the Ohio Home Builders Association (OHBA) & the National Association of Home Builders (NAHB).

NCBIA Office

5321 Meadow Lane Court - B Suite 23 Sheffield Village, OH 44035 Phone: 440.934.1090 info@ncbia.com | www.ncbia.com

NCBIA Staff

Executive Officer Judie Docs | judie@ncbia.com Executive Assistant LaBreeska Bellan | labreeskancbia@gmail.com Marketing Associate Ashlyn Bellan-Caskey | ashlynncbia@gmail.com

Advertising Policy - The North Coast Building Industry Association reserves the right to reject advertising in the Builder newsletter based on content. Acceptance of advertising does not imply endorsement of the product or service advertised.

NCBIA Life Directors

Jeremy Vorndran, 84 Lumber Tom Caruso, Caruso Cabinets Bob Yost, Dale Yost Construction Liz Schneider Dollar Bank Mary H. Felton, Guardian Title Jack Kousma, Kousma Insulation Jeff Hensley, Lake Star Building & Remodeling Dave Linna, Linna Homes & Remodeling Chris Majzun Jr., Majzun Construction Co. Chris Majzun Sr., Majzun Construction Co. Randy Strauss, Strauss Construction Tom Lahetta, Tom Lahetta Builders, Inc.

2025 NAHB Delegate

This member represents our local industry in Washington DC

2025 NCBIA Officers President John Toth, Floor Coverings International Vice President Mike Meszes, DRC Construction Company Associate Vice President Melanie Stock, First Federal Savings of Lorain Treasurer Sara Majzun, Majzun Construction Company Secretary Jon Sherer, Ascent Custom Homes and Remodeling Immediate Past President Tim King, K. Hovnanian Homes

2025 NCBIA Board of Directors Sam Hudspath, All Construction Services Shannon Niebes, DryUNow Danielle Rendina, Granite Works Stone Design Maria Leali, Synchronous Solutions Jason Rodriguez, The S.J.R. Building Co. Theresa Riddell, The Nelson Agency Kevin Walker, Walker Wealth Managements

August 2025

Jason Scott, Greyhawk Development John Toth, Floor Coverings International (Alternate)

NAHB Senior Life Delegate

Randy Strauss, Strauss Construction

Ohio’s State Rep. to NAHB

Randy Strauss, Strauss Construction

OHBA 2025 President

Merle Stuzman, Weaver Custom Homes

OHBA Past President Randy Strauss, 1996

2025 OHBA Trustees

Jason Scott, Greyhawk Development John Toth, Floor Coverings International Mary H. Felton, Guardian Title (Alternate) Jason Rodriguez, The S.J.R. Building Co. (Alternate)

OHBA Area 2 Vice-President

Ric Johnson, CAPS Builder & Right at Home Technologies

www.ncbia.com

page 3

10

15

lambaleke Annuavlercse raff

& Re AMERICAN LEGION POST 211 31972 WALKER RD., AVON LAKE

THURSDAY, OCTOBER 2ND, 2025 5:00 pm Deadline for Reservations is Wednesday, Sept. 24

Rev. 8.25.25

th

GIFT CARD RAFFLE BASKET RAFFLE & MORE

EVENT SPONSORS

Dinner Options

$45 Per Person

Dinners include broth, chowder, potatoes, green beans, 1 dozen clams, dessert

Sponsorship Opportunities

___ Event Sponsors $750 6 dinner tickets, banner (you provide) at event, logo on placemat, #___Grilled Chicken Breast Clambake Dinner Includes: newsletter/print/digital recognition #___Extra Dozen Clams @ $17 Per Dozen ___ Bar Sponsor $325 #___Total People Attending (Family, Friends, Co-Workers and Clients)

________________________

24-28

Includes: signage at bar, logo on placemats, newsletter/print/digital recognition

___ Dessert Sponsors $300

Name & Company

Includes: logo on placemats, newsletter/print/digital recognition

A Reservation Made is a Reservation Paid

___ Raffle Board Sponsors $250 (2 Available)

call office to pay by credit card or register online at www.ncbia.com

___ Table Sponsors $200

Includes: logo on raffle tickets, newsletter/print/digital recognition

___ Yes, I will provide a raffle basket ___ Yes, I would like the NCBIA to prepare a basket( $100) ___ Yes, I would like to donate a gift card or door prize NCBIA may purchase on my behalf for $ __

*A 3% convenience fee will be charged for ALL credit card payments Email completed forms to judie@ncbia.com or Mail to 5321 Meadow Lane Court - B Suite 23, Sheffield Village, OH 44035.

BAR SPONSOR

21 & OLDER

38

Includes: logo on table signage and placemats, newsletter/print/digital recognition

credit cards will be accepted the night of the clambake

DESSERT SPONSOR

RAFFLE BOARD SPONSORS $10

RAFFLE BOARD SPONSORS $5

Pre-Sale Raffle Board Numbers are now available! Numbers are available on a first

TABLE SPONSORS

Table of Contents

6-

Menu of Services

7-

Member News Save the Date

8-

NAHB: Overview, History, and Values 2025 NCBIA President Article

9

NAHB Association Management Conference – Atlanta, Georgia, August 19–21, 2025 Executive Officers Report

10

Builder Books Discount!

11 -

BuildPAC Wine Pairing Dinner Flyer

12 -

2026 International Builders Show!

13 -

2026 Home & Remodeling Show Sponsorship Flyer

15 -

Family Picnic & Softball Game Flyer

August 2025

33

Thanks for Renewing!

34 - NAHB Now:

10 Reasons to Register for IBS Starting Sep 2

36-37 - NAHB Now:

16 - Eye on Housing:

Congress Passes Tax Bill With Many Wins for NAHB Members

17 -

Clambake Flyer

Single-Family Home Size: 2Q25 Data

38 -2025 Annual

2025 Calendar of Events

August 2025 New Member Orientation Photo Gallery

18-19 - Eye on Housing:

Existing Home Sales Rise in July

20 - Eye on the Economy:

Weaker Builder Sentiment, But Fed Rate Cuts on Horizon

21 -

October General Membership Meeting & Election Night Flyer

22 -

39

40 -

NAHB Now: NAHB Awards Program Now Accepting Applications

41 -

Thank you Spikes!

42-43 -

2026 Home & Remodeling Show Flyer

Eye on Housing: Growth for Custom Home Building

44 -

Eye on Housing: U.S. Economy Rebounded in Second Quarter

45-46 -

23 -

24-28 -

NCBIA Annual Golf Classic 2025 Thank you Sponsors & Photo Gallery

OHIO STATE REP'S REPORT SATURDAY, AUGUST 23, 2025 - Randy K Strauss

How to Work a Room Presented

by NCBIA Sales and Marketing Committee Thank you Sponsors & Photo Gallery

30-32 -

Member Savings Info!

www.ncbia.com

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HOW CAN WE HELP? North Coast Building Industry Association Menu of Additional Products and Services

Copies

Training Room

Black & White (8.5”x11”) Single-Sided 2-Sided

$0.10 $0.20

$0.15 $0.20

Black & (11”x17”) White

$0.50

Color (8.5”x11”) Single-Sided 2-Sided

$0.25 $0.50

Color (8.5”x14”) Single-Sided 2-Sided

$0.27 $0.52

Color (11”x17”)

$2.00

Design Services Graphic Design Services $35 per hour Contact Ashlyn Bellan-Caskey at ashlynncbia@gmail.com

North Coast Building Industry Association Menu of Additional Products and Services

Copies

Training Room

What people are

Black & White (8.5”x11”)

25 Seats Available

Single-Sided 2-Sided

$25 per hour

Black & White (8.5”x14”) Single-Sided 2-Sided

HOW CAN WE HELP?

$0.10 $0.20

Black & White (8.5”x14”)

Blueprint/Drawing Description

B&W

Color

D - Full Size 24x36 / 22x34 $1.32

$2.82

C - Half Size 18x24 / 17x22 $0.66

$1.41

B - Quarter Size 12x18 / 11x17 $0.47

$0.94

Single-Sided 2-Sided

“

25 Seats Available $25 per hour

saying:

$0.15 How toBlueprint/Drawing Work a Room $0.20 Description

B&W

Color

- Half Size “It$0.25 was aC18x24 great class” $0.66 / 17x22

$1.41

Black & (11”x17”) $0.50 - Full Size White “I found D all of it valuable” $1.32 $2.82 24x36 / 22x34 Color (8.5”x11”) Single-Sided 2-Sided

Color (8.5”x14”)

$0.50

B - Quarter Size “I thought the class perfect” $0.47was $0.94 12x18 / 11x17

Single-Sided "The Ten $0.27 Commandments. Great stories and $0.52 2-Sided

examples of positive networking. And my

(11”x17”) $2.00 Colorpersonal realization that networking doesn't

Warranty Books $50 each (plus shipping, if applicable)

Your New Home $10 each (plus shipping, if applicable)

NEED SOMETHING ELSE? JUST ASK! For more information on any of these products & services, please contact the NCBIA Office at (440) 934-1090 or email judie@ncbia.com *Subject to change

6/10/24

have to be intimidating, it can be fun and I have to look at it this way, I just might find Design Services I have somethingWarranty in common with someone Books I 've never met before and it could lead to a Graphic $50 each (plus shipping, if lead (new member) or even a new friendship.” applicable) Design Services $35 per hour

Your New Home

“Great life experiences hersif and others that $10 each (plus- shipping, Contact Ashlynobserved Bellan-Caskey at were applicable) she shared (both good, not so ashlynncbia@gmail.com good, and funny). The way Mary can engage people to participate and her willingness to help anyone.”

NEED SOMETHING ELSE? JUST ASK!

is suchon a any resource for education, and For “Mary more information of these products we should really appreciate what & services, please contact the NCBIA Office at she does for the industry.”

(440) 934-1090 or email judie@ncbia.com “Mary did a great job. All basics and always

*Subjectrelevant. to change This was a great refresher/reminder 6/10/24

of how we should be networking.”

“Helpful, actionable tips I can use right away. I took lots of notes.

The printed presentation was really helpful. And had some good conversations after as well. I had a great time and loved the presentation today.”

page 6

www.ncbia.com

“

?

This Builder Newsletter is sponsored by

August 2025

Save the

Date!

Want to be a sponsor for any of these events? Let us know!

Saturday, September 6, 2025

Family Picnic & Softball Game 2 - 5 PM Amherst Township Park 44786 Middle Ridge Road, Amherst Township Clambake Committee Meeting 11:30 - 12:30 PM NCBIA Office 5321 Meadow Lane Court - B, Suite #23 Sheffield Village, OH

Do you have some business news to share?

Business anniversaries, accomplishments, awards, publications, etc.? Send to judie@ncbia.com.

We want to hear from you!

Tuesday, September 23, 2025

The Nominating Committee is looking for nominations for the 2026 Board of Directors. Terms run for three years.

Wednesday, September 10, 2025

Tuesday, September 23, 2025

Sales & Marketing Committee Meeting 11 AM - 12 PM NCBIA Office 5321 Meadow Lane Court - B, Suite #23 Sheffield Village, OH

Thursday, October 2, 2025

Annual Clambake & Reverse Raffle 5:30 - 7:30 PM American Legion Post 211 31973 Walker Road Avon Lake, OH

Wednesday, October 15, 2025

The Board of Directors mission is “To provide leadership and direction for its members as recognized as the voice of the industry.” Being a director is an honor, an opportunity, a privilege and most importantly, a responsibility.

Duties and responsibilities: Membership must be in good standing with the NCBIA. Working cooperatively with the officers, fellow directors, and executive officer.

• Promoting and enhancing the image of the NCBIA. • Participate in formulating policies and programs which will further the goals and objectives of the NCBIA. • Attend regularly scheduled Board of Directors’ meetings – six a year (3 excused absences are allowed).

• Leave your company at the door.

• Adhere to strict confidentiality of all board meeting.

• •

If you are interested in a seat on the board, please email judie@ncbia.com.

Unlock LinkedIn Power for Career Success Presented by: Sales & Marketing Committee 4 - 5 PM Tom's Country Place 3442 Stoney Ridge Road, Avon

Wednesday, October 15, 2025 October General Membership Meeting & Election Night 5 - 7 PM Tom's Country Place 3442 Stoney Ridge Road, Avon

Thursday, October 23, 2025 BuildPAC Wine Pairing Dinner 5:30 PM Cole's Public House 209 South Main Street, Amherst

saying:

“

Member Orientation “Thanks for having a seasoned member (Mary Felton) give her perspective on getting the most of the association.”

“Your review of the association was very helpful.”

“Great meeting other new members and getting to know them.”

Check the website at www.ncbia.com for up-to-date changes, additions, and corrections to these events!

August 2025

What people are

“Looking forward to getting involved in a committee. Thanks for the details of what is involved.” www.ncbia.com

“

Home Show Committee Meeting 9:30 - 10:30 AM NCBIA Office 5321 Meadow Lane Court - B, Suite #23 Sheffield Village, OH

page 7

NCBIA 2025 PRESIDENT

NAHB: OVERVIEW, HISTORY and Values

Vision Statement Building Homes, Enriching Communities, Changing Lives

John Toth Floor Coverings International Core Values

Mission Statement NAHB protects the American Dream of housing for all and supports its members in building communities, creating jobs, and boosting the economy.

• Commitment – Devoted to the housing industry and NAHB’s mission.

• Dedication – Supporting attainable housing for everyone.

• Integrity – Building trust within the professional network and community.

• Collaboration – Working closely with local and state associations.

Trust – Acting with honesty, respect, and transparency.

History & Membership • • •

• •

Founded: Early 1940s Purpose: Voice of the American housing industry, promoting safe, affordable housing for all.

Reach: Federation of 700+ local and state associations 140,000+ members nationwide About 1/3 are home builders and remodelers Others include professionals in sales, finance, and construction materials Industry Impact: Members build ~80% of all new U.S. homes (single-family & multifamily)

Governance & Events • •

Leadership Council: 1,700+ members; sets agenda & elects leadership Major Event: International Builders’ Show – Largest global event for residential and light commercial construction.

Affiliated Organizations • • •

Home Innovation Research Labs: Focuses on improving building tech and affordability.

HBI (Home Builders Institute): Workforce development and job training.

National Housing Endowment: Philanthropic arm supporting education and leadership development in housing.

I hope you see the value that NAHB brings to your membership—through unwavering advocacy, expert education, essential networking opportunities, and powerful industry resources.

Whether you're building homes, shaping communities, or supporting the housing industry in other ways, NAHB is here to help you succeed and grow. Together, we’re not just building houses, we’re building the future of housing in America. page 8

www.ncbia.com

August 2025

EXECUTIVE OFFICER’S REPORT NAHB ASSOCIATION MANAGEMENT CONFERENCE Atlanta, Georgia, August 19–21, 2025

Every year, NAHB hosts the Association Management Conference (AMC), bringing together Executive Officers from across the country. This year’s conference took place in Atlanta, Georgia, August 19–21, and was an incredible opportunity to connect with peers, share challenges and successes, and engage directly with NAHB leaders.

The program focused on equipping us with tools to: • Engage and grow membership.

• Strengthen leadership skills.

• Connect more effectively with our communities.

• Enhance membership recruitment and retention strategies.

• Collaborate strategically to overcome challenges.

• Build stronger, high-performing committees.

• Evaluate and elevate the value of our associations.

• Lead with confidence while balancing professional and personal goals.

Three keynote speakers delivered powerful, practical insights on setting goals,

Judie Docs, improving communication, overcoming obstacles, and paving the way for greater CSP, MCSP, MIRM, CMP, CGP success in our associations.

We also heard from NAHB’s Chief Economist, Rob Dietz, and Chief Advocacy Officer, Ken Wingert, who provided an in-depth look at the nation’s economy, the housing sector, and the latest legislative and regulatory updates. Their State of Affairs Lunch was followed by a Q&A with NAHB Senior Officers.

Networking was another key part of the experience, the AMC Happy Hour on opening night connections made were as valuable as the education. Then Vince Squillace, our State EO hosted a great Mexican dinner for me, and Cincinnati EO Carmen Hickerson where we discussed what going on in Ohio. While my new knees kept me from joining the 7 a.m. “Hotlanta Zumba” session, I fully participated in the Peer-toPeer Exchanges, where Executive Officers openly shared challenges and actionable solutions.

The HBA HQ & HBA Portal sessions allowed us to connect directly with NAHB staff and learn about the many complimentary resources available to our associations. In addition, twenty-six breakout sessions provided targeted education on a wide variety of topics.

One of the highlights was the celebration of the 75th Anniversary of the Executive Officers Council, sponsored by Lowe’s Pro and Dell Technologies. This event, held at The Stave Room (a beautifully reimagined former distillery), was a wonderful evening of Southern hospitality and camaraderie.

Receiving a scholarship to attend this conference is always a privilege, and I make the most of it. I always return home with fresh ideas, renewed motivation, and valuable tools to continue strengthening the North Coast Building Industry Association.

August 2025

www.ncbia.com

page 9

Cole's Public House 209 S. Main Street, Amherst

Committee Presents

Wine Pairing Dinner Join us for a 5-course dinner and wine pairing, including dessert

by Chef Robby Lucas, CEC & Certified Sommelier

October 23, 2025 Cocktails 5:30-6:00 (Cash Bar) Dinner 6:00 Limited Seating $125 Per Person Please bring BuildPAC donation to the event or send directly to the NCBIA office (5321 Meadow Lane Court - B, Suite 23, Sheffield Village OH 44035 Reserve your seat by October 15, 2025, by calling 440.934.1090, email judie@ncbia.com or register online.

Questions - Contact Co-Chairs, Mary Felton 440.759.4341, or Liz Schneider 440.452.3894 Rev.8.25.25

SPONSORSHIP PACKAGES AVAILABLE FOR 2026 Event Sponsors:

Saturday, February 21st 9-5 Sunday, February 22nd 10-3 Lorain County Community College 1005 North Abbe Road, Elyria My company would like to sponsor the 2026 NCBIA Home Show. (Please select below)

EVENT SPONSOR Member: $2000 Non-Member: $2500

Everything on Supporting Sponsor list, PLUS radio interview, booth space and all printed advertising, mention in radio ads and option to have your company’s banner hung at show entrance!

Member Event Sponsor($2000)

Member Supporting Sponsor ($300)

Non-Member Event Sponsor ($2500)

Non-Member Supporting Sponsor ($500)

SPONSOR INFORMATION Company Name (as it will appear in show) ______________________________________ Contact Person (print) _____________________________________________________ Cell # ___________________________________________________________________ Primary Product(s)/Service(s) _______________________________________________

SUPPORTING SPONSOR

Member: $300 Non-Member: $500

Includes: mention in radio ads, your logo in event program, Facebook event page, slideshow during event, option to put promotional items in swag bag, and recognition in BUILDER newsletter.

Reserve your sponsorship today!

Email Address ___________________________________________________________

PAYMENT METHOD:

Please Indicate how you would like to pay for your sponsorship.

___Invoice

___Check Enclosed

___VISA/MC/AMEX/DISC*

*If you select credit card, our office will call for your card information.

QUESTIONS? CONTACT THE NCBIA www.ncbia.com (440) 934-1090 judie@ncbia.com

Supporting Sponsors:

Contact the NCBIA (440) 934-1090 Judie@ncbia.com 5321 Meadow Lane Court-B, Suite 23 Sheffield Village, OH 44035

Office Use ONLY Booth Assigned# __________ Total Cost ___________ Deposit _____________

Bag Sponsor:

Balance Due _____________ Rev. 6/7/2025

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Builders Risk and Installation Floater “Floater” coverage is for anything that floats, or moves from place to place — like your supplies and machinery. It also covers damage to the structures you’re working on, including scaffolding, foundations, and more. This has a limit of $5,000, with a $250 deductible.

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Portable Tools Coverage on your tools has a limit of $1,000 per tool, to a maximum of $2,500. It also has a $500 deductible.

The information referred to is not a policy. Refer to your policy for specific coverage.

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page 14

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www.ncbia.com

August 2025

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Rev. 8/17/25

EYE ON HOUSING

SINGLE-FAMILY HOME SIZE: 2Q25 Data

A

n expected impact of the virus crisis was a need for more residential space, as people used homes for more purposes including work. Home size correspondingly increased in 2021 as interest rates reached historic lows. However, as interest rates increased in 2022 and 2023, and housing affordability worsened, the demand for home size has trended lower.

According to second quarter 2025 data from the

Census Quarterly Starts and Completions by Purpose and Design and NAHB analysis, median single-family

square floor area was 2,125 square feet, a decline from the start of the year. Average (mean) square footage for new single-family homes registered at 2,364 square feet.

The average size of a new single-family home, on a one-year moving average basis, was flat at 2,386 square feet, while the median size declined to 2,162 square feet.

Home size increased from 2009 to 2015 as entrylevel new construction lost market share. Home size declined between 2016 and 2020 as more starter homes were developed. After a brief increase during the post-COVID building boom, home size has trended lower due to declining affordability conditions.

page 16

www.ncbia.com

August 2025

2025 Calendar of Events rev 8/24/25

Sept 6th 1st -

Associate Member Appreciation Month

10th -

Labor Day - Office Closed Softball Game & Family Picnic 2-5 pm

Amherst Township Park, 44786 Middle Ridge Road, Amherst Township

Executive Committee Meeting 3:30-5 pm Board of Directors Meeting 5-6:30 pm

NCBIA Office, 5321 Meadow Lane Court - B, Suite 23, Sheffield Village

Oct Careers in Construction Month

2nd -

Annual Clambake & Reverse Raffle 5-7:30 PM

15th -

LinkedIn Power Session 4-5pm October General Membership Meeting /Election Night 5-7 pm

American Legion Post 211, 31972 Walker Road, Avon Lake

Tom’s Country Place, 3442 Stoney Ridge Rd., Avon

23rd -

Nov Spike Appreciation Month

11th 19th -

BuildPAC Wine Pairing Dinner 5:30 pm Coles Public House, 209 South Main Street, Amherst

OHBA Fall Board Meeting

Hilton Easton, Columbus

Executive Committee Meeting 3:30-5 pm Board of Directors Meeting 5-6:30 pm

NCBIA Office, 5321 Meadow Lane Court - B, Suite 23, Sheffield Village

27-28th- Thanksgiving - Office Closed

Dec

11th-

Ugly Sweater Christmas Party 2025 5-7 pm Captain’s Club, 232 Park Avenue, Amherst

24-25th- Christmas - Office Closed 31st -

New Year's Eve - Office Closed

EYE ON HOUSING

EXISTING HOME SALES Rise in July

E

xisting home sales rebounded in July as mortgage rates retreated from the recent peak and home price growth slowed, according to the National Association of Realtors (NAR) . This rebound was also supported by inventory improvements, with housing supply at its highest level since May 2020. Despite the ever-so-slight improvement in housing affordability, higher mortgage rates and elevated home prices continue to sideline buyers.

Mortgage rates have hovered between 6.5% and 7% due to ongoing economic and tariff uncertainty this year, prompting the Fed to pause interest rate cuts.

Though mortgage rates recently peaked at 6.89% in May and have drifted downward in recent weeks, they are expected to stay above 6% for longer due to an anticipated slower easing pace in 2025, these prolonged higher rates and high home prices would The existing home inventory level was 1.55 million continue to weigh on the market. As such, sales are units in July, up 0.6% from June and up 15.7% from likely to remain limited in the coming months. a year ago. At the current sales rate, July unsold inventory sits at a 4.6-months’ supply, down from 4.7-months in June but up from 4.0-months in July 2024. Inventory between 4.5 to 6 month’s supply is generally considered a balanced market.

Homes stayed on the market for a median of 28 days in July, up from 27 days last month and 24 days in July 2024.

The first-time buyer share was 28% in July, down from 30% in June and 29% from a year ago.

The July all-cash sales share was 31% of transactions, up from 29% in June and 27% a year ago. All-cash buyers are less affected by changes in interest rates.

Total existing home sales, including single-family homes, townhomes, condominiums, and co-ops, rose 2.0% to a seasonally adjusted annual rate of 4.01 million in July. On a year-over-year basis, sales were 0.8% higher than a year ago.

page 18

The June median sales price of all existing homes was $422,400, up 0.2% from last year. This marks the 25th consecutive month of year-over-year increases. The median condominium/co-op price in July was down 1.2% from a year ago at $362,600. Recent gains for home inventory will put downward pressure on resale home prices in most markets in 2025.

Geographically, three of the four regions experienced gains in existing home sales in July, with an increase of 1.4% in the West, 2.2% in the South, and 8.7% in the Northeast. Meanwhile, sales in the Midwest fell 1.1%. On a year-over-year basis, sales were up in the Midwest (1.1%), the Northeast (2.0%) and the South (1.7%) but were down in the West (-4.0%).

www.ncbia.com

August 2025

EYE ON HOUSING

EXISTING HOME SALES Rise in July (CONT.)

The Pending Home Sales Index (PHSI) is a forwardlooking indicator based on signed contracts. The PHSI fell from 72.6 to 72.0 in June, suggesting elevated mortgage rates continued keeping buyers on the sidelines despite improved inventory. On a year-overyear basis, pending sales were 2.8% lower than a year ago, per National Association of Realtors data.

August 2025

www.ncbia.com

page 19

EYE ON THE ECONOMY

WEAKER BUILDER SENTIMENT, But Fed Rate Cuts on Horizon

D

espite tax policy wins for housing and the construction industry, the single-family housing market has disappointed thus far in 2025.

Single-family builder confidence, as measured by the NAHB/Wells Fargo Housing Market Index (HMI), retreated in August to a level of 32. Builder sentiment has been in negative territory (a sub-50 reading on the HMI) for 16 straight months and stuck in a low range of 32 to 34 since May. The HMI’s buyer traffic reading remains very low at a level of 22, as elevated interest rates and construction/ price growth has priced out many prospective home buyers.

Challenging affordability conditions continue to weaken single-family home construction in 2025. Single-family starts increased 2.8% to a 939,000 seasonally adjusted annual rate, but are down 4.2% on a year-to-date basis.

The slowdown in single-family home building has narrowed the home building pipeline. There are currently 621,000 single-family homes under construction, down 1% in July and 3.7% lower than a year ago. This is the lowest level since early 2021 as builders pull back on supply.

The effects of tariffs on prices, while measurable, are smaller than those feared back in April (due to trade deals resulting in lower tariff rates). If such effects remain oneoff changes and relatively minor, the remaining economic backdrop confirms that the Federal Reserve should proceed with additional rate cuts this fall.

NAHB is forecasting two rate cuts before the end of 2025. Doing so will provide support for those parts of the economy, particularly housing, that have been dealing with persistently elevated interest rates. Such monetary policy action will be particularly beneficial for land development and construction loan financing. This market remains tight, with interest rates averaging 8%. Declines for the Fed-controlled federal funds rate will have a direct onefor-one impact on such loans and enable more affordable development.

However, multifamily development is benefiting from the low levels of for-sale inventory. The multifamily sector, which includes apartment buildings and condos, increased 9.9% in July to an annualized 489,000 rate and is on pace to post a larger than 10% gain for starts in 2025. Indeed, the NAHB Multifamily Production Index remains near a neutral reading, coming in at a level of 46 for the second quarter.

While soft, the housing market is being supported by a relatively stable economy that registered a 3% GDP growth rate in the second quarter and an unemployment rate near 4%. However, ongoing tariff uncertainty and anemic job growth continue to act as headwinds to the economy and housing sector.

The CPI measure of inflation held steady at a 2.7% yearover-year growth rate in July. However, there were hints of tariff-induced inflation as the core goods inflation reading has now accelerated somewhat over the past three months. Residential construction building costs increased in July in the separate PPI data; however, this was not a tariff-related effect as the PPI data does not count tariff costs. Overall, such building materials were up 2.8% from a year ago.

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August 2025

Because Your Vote Matters

er w o In P s” d e ink ucces L ock eer S l n “U r Car -5 PM y: 4 ted b ing fo sen arket e r P & M ittee s e Sal omm C

October General Membership Meeting & Election Night

Wednesday, October 15, 2025 5 - 7 PM

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EYE ON HOUSING

GROWTH FOR CUSTOM Home Building

N

AHB’s analysis of Census Data from the Quarterly Starts and Completions by Purpose and Design survey

indicates year-over year growth for custom home builders amid broader single-family home building weakness. The custom building market is less sensitive to the interest rate cycle than other forms of home building but is more sensitive to changes in household wealth and stock prices. With spec home building down and the stock market up, custom building is gaining market share.

There were 54,000 total custom building starts during the second quarter of 2025. This was up 4% relative to the second quarter of 2024. Over the last four quarters, custom housing starts totaled 184,000 homes, just more than a 2% increase compared to the prior four quarter total (180,000).

Currently, the market share of custom home building, based on a one-year moving average, is approximately 19% of total single-family starts. This is down from a prior cycle peak of 31.5% set during the second quarter of 2009 and the 21% recent peak rate at the beginning of 2023, after which spec home building gained market share. The current market share is the highest since 2022.

Note that this definition of custom home building does not include homes intended for sale, so the analysis in this post uses a narrow definition of the sector.

It represents home construction undertaken on a contract basis for which the builder does not hold tax basis in the structure during construction.

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August 2025

EYE ON HOUSING

R

U.S. ECONOMY REBOUNDED in Second Quarter

A steep drop in imports also provided a significant eal GDP growth rebounded in the second boost to GDP, as imports are subtracted in GDP quarter, driven by a turnaround in the trade balance calculations. Imports fell 30.3% in the second quarter, and stronger consumer spending. a sharp reversal from the 37.9% surge in the first quarter.

According to the “advance” estimate released by the Bureau of Economic Analysis (BEA), real gross domestic product (GDP) expanded at an annual rate of 3.0% in the second quarter of 2025, following a 0.5% contraction in the first quarter.

The latest data from the GDP report suggests that inflationary pressures are easing. The GDP price index rose 2.0% for the second quarter, down from a 3.8% increase in the first quarter of 2025. The Personal Consumption Expenditures Price (PCE) Index, which measures inflation (or deflation) across various consumer expenses and reflects changes in consumer behavior, rose 2.1% in the second quarter.

This is down from a 3.7% increase in the first quarter of 2025.

Nonresidential fixed investment increased 1.9% in the second quarter. The increases in equipment (+4.8%) and intellectual property products (+6.4%) offset the decrease in structures (-10.3%). Meanwhile, residential fixed investment (RFI) declined 4.6% in the second quarter, following a 1.3% decline in the previous quarter. Within the residential category, single-family structures fell 12.6% at an annual rate, multifamily structures declined 1.3%, and improvements rose 4.2%.

For the common BEA terms and definitions, please access bea.gov/Help/Glossary.

This quarter’s increase in real GDP primarily reflected a decrease in imports, which are a subtraction in the calculation of GDP, and increases in consumer spending.

Consumer spending, the backbone of the U.S. economy, rose at an annual rate of 1.4% in the second quarter, up from 0.5% in the first quarter but well below the 2.8% pace recorded a year earlier. Both goods and services contributed to the gain, with goods spending rising at a 2.2% annual rate and spending on services increasing at a 1.1% annual rate.

August 2025

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Thank you to Our NCBIA Annual Golf Classic 2025 Sponsors!

PRESENTING SPONSORS

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NAHB NOW

10 REASONS TO REGISTER FOR IBS Starting Sep 2

T

here is something for everyone at the NAHB International Builders’ Show® (IBS), the premier event for the residential construction industry. The best IBS 2026 registration deals begin when registration opens Sep 2 and run through the end of the month. The Builders’ Show is your best opportunity to connect with industry professionals, discover the hottest, new products and techniques and gain business knowledge.

#6 Discover Hot New Products in TWO Official Show Homes See the latest in design trends, product innovations and smart home technology in The New American Home® and The New American Remodel®, the official show homes of IBS. Tour the homes during the 2026 during the Builders’ Show.

#7 Professional Connections Connect with industry experts and meet new business Here are the top 10 reasons why traveling to Orlando partners. Tens of thousands of industry professionals to attend IBS 2026 is worth the trip. attend the Builders’ Show annually, so the entire building industry is there. The Builders’ Show offers #1 Incredible Value many opportunities to connect, pick up tips and grow The Builders’ Show is where you gain industry your business. knowledge, discover new products and make powerful connections. You cannot access this much business- #8 Social Professional Connection Opps building expertise for such a low price anywhere else. Don’t miss the DCW Opening Ceremonies or hot ticketed events like the Official IBS House Party, #2 Unmatched Industry & Business Knowledge Young Pro Party and the Closing Concert.

IBS 2026 has 100+ IBS Education sessions to choose from. Discover fresh strategies, uncover new trends #9 Discover Even More New Products and find solutions for beginners and experienced Share in the excitement as we celebrate 13 years of professionals. With nine industry tracks, there are Design & Construction Week (DCW), the co-location sessions for every profession, every niche and every of the IBS and National Kitchen & Bath Association’s experience level at the Builders’ Show.

Kitchen & Bath Industry Show® (KBIS). DCW is the largest annual gathering of residential construction #3 Hot New Products industry and design professionals.

Gain in-depth product knowledge when you explore the hottest new products and technology from 1,700+ All registered IBS attendees have access to two exhibitors representing over 300 categories while exhibit floors – IBS and KBIS to discover even more walking the expo floor. With the show floor segmented products for the residential construction industry. Find into six product categories and the Outdoor Exhibits, information about exhibit dates and hours at www. you can quickly and easily find the products and BuildersShow.com/DCW. services that interest you. #10 Fantastic Location #4 Live New Product & Technique Demos The Builders’ Show is heading back to Orlando! All Discover best practices and new methods for work and no play, not at the Builders’ Show. There are improving efficiency in all areas of the home with tons of things to see and do in Orlando! construction demos led by top building experts in the Construction Performance Zone. The Craft Techniques IBS 2026 is Feb 17 – 19! Registration opens Sep 2.

Zone explores the details and finishes that complete Remember: Register in Sep for the best registration a home. deals and the biggest savings! #5 Unmatched Niche Industry Knowledge & Connections Connect with like-minded professionals and industry experts in niche-specific Centrals for expert solutions, discussions and networking events in 55+ Housing, Custom Building, Design, Multifamily, Remodeling, International and Sales.

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page 35

EYE ON HOUSING

CONGRESS PASSES TAX BILL WITH Many Wins for NAHB Members

T

he House today passed the One Big Beautiful Bill Act (H.R. 1) — sweeping tax and domestic policy legislation that includes several important housing and business provisions that will benefit small businesses, real estate and our members. Most notably, NAHB was able to secure key wins regarding state and local tax deductions for individuals and pass-through businesses.

The Senate narrowly passed the bill earlier this week and today’s action by the House approving the Senate version meets President Trump’s goal of sending him the landmark legislation by July 4.

Prior to the House and Senate votes, NAHB sent a letter to congressional leaders designating support of H.R. 1 as a “key vote” because of its importance to the housing industry.

NAHB secured several key victories in this landmark legislation: Individual Provisions • The Tax Cuts and Jobs Act’s key provisions will be made permanent, including the tax rate structure and increased exemptions for the Alternative Minimum Tax. This blocks a $4 trillion tax increase set to take effect next year.

• The estate tax exemption will increase to $15 million, made permanent and be indexed for inflation.

• Current mortgage interest deduction rules will be made permanent and mortgage insurance premiums will now be allowed to be deducted.

• The Pease limitation on itemized deductions will be permanently repealed. In its place is a new limitation that reduces the value of itemized deductions for taxpayers in the top bracket from 37 cents to 35 cents, but excludes 199A deductions for this limitation.

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Business Provisions • The Section 199A Qualified Business Income Deduction, which helps provide tax parity for passthrough entities, will be made permanent at 20%.

• The Low-Income Housing Tax Credit will be expanded permanently with a 12% increase in 9% credit allocations along with reducing the 4% bond test to 25%, which will expand resources in bondconstrained states.

• 100% bonus depreciation will be restored and made permanent.

• Section 179 business expensing limits will be increased for small businesses.

• Opportunity Zones will be made permanent.

• •

The 1099 reporting threshold will be increased permanently to $2,000 and indexed for inflation starting for 2025.

The Section 460(e) Completed Contract rules will be expanded to include condominiums, in addition to single-family homes. This is a key tax accounting provision that ensures that home builders are not taxed on deposits paid by a buyer during construction of a single-family home, but rather the home is taxed when sold. This bill extends the same tax treatment to deposits paid by condominium buyers during the construction phase, which is a change NAHB advocated for.

State and Local Tax Deduction for Individuals and Pass-Through Businesses The House-passed bill would have permanently increased the controversial limit on the state and local tax (SALT) deduction for individuals from the current $10,000 cap to $40,000. NAHB supported the House position on SALT, which was one of the final elements negotiated in the House bill that ensured its passage.

The Senate viewed the House proposal on SALT with skepticism, but also recognized the careful political balance needed to pass the bill in the House. Several senators sought to unwind the House SALT deal, which threatened the viability of the entire bill, leading to high-level negotiations between the House, Senate and Treasury Secretary Scott Bessent.

www.ncbia.com

August 2025

EYE ON HOUSING

CONGRESS PASSES TAX BILL WITH Many Wins for NAHB Members (CONT.) The final bill approved by the Senate ultimately agreed to follow the House and increase the SALT cap to $40,000, but only on a temporary basis. The increase will take effect for 2025 and remain in force through 2029, with a 1% inflation adjustment after 2025. As with the House-passed bill, the Senate bill phases down the cap increase for households with incomes above $500,000, but not below a $10,000 cap. The SALT cap would revert back to $10,000 in 2030, which means debate over limiting SALT deductions will continue in the coming years.

In a major victory for our members, the final bill by the Senate removed a limitation to the amount of state income taxes a pass-through business can deduct. This means that none of our members faces a business SALT tax increase.

Energy Tax Credits The one negative in the tax title of H.R. 1 is the early termination of the energy tax credits, particularly the Section 45L New Energy Efficient Home Credit, the Section 25D Residential Clean Energy Credit, and the Section 48E Clean Electricity Investment Credit.

The Section 45L credit will be eliminated after June 30, 2026, and the Section 25D credit will expire at the end of 2025. The Section 48E credit will be eliminated for eligible property that is not placed in service by Dec. 31, 2027.

However, on a positive note, the Senate heeded NAHB’s recommendation to allow solar leasing arrangements to continue to benefit from the 48E tax credit. These arrangements eliminate the upfront costs of installing a solar system on a home and allow home owners to benefit from reduced utility costs.

A Long, Successful Fight NAHB began preparing for this tax fight shortly after the Tax Cuts and Jobs Act was signed into law in 2017, recognizing that the temporary tax cuts in that 2017 law would set up a tax cliff and force Congress to reexamine the entire tax code in 2025. Faced with the potential of a $4 trillion tax increase and resulting economic turmoil, NAHB focused on the need for tax stability and permanency as well as retaining favorable tax provisions that support housing production, enable greater homeownership opportunities, and create affordable rental housing.

At the same time, the industry faced considerable risk in this process, as Congress considered limiting businesses’ ability to deduct state income taxes, eliminating carried interest, increasing marginal tax rates and eliminating the deduction for second homes.

It was hard fought, but we avoided any negative changes to those provisions.

Because of our years of preparation, passage of this bill brings NAHB members a permanent tax code that retains, and in some cases expands, key tax provisions that support the industry.

NAHB believes the most effective way to promote energy efficiency is through voluntary tax incentives. Moreover, NAHB remains concerned because H.R. 1 lacks sufficient transition time for home builders, home owners and remodelers who use these tax credits.

Over their history, these energy tax credits have been subject to starts and stops as Congress has allowed them to expire. This history suggests that this is not the final word on these tax credits, and NAHB will look for future opportunities to revive them.

Finally, the bill also includes provisions regarding two NAHB key priorities to increase domestic timber production as well as provide additional resources for workforce development.

August 2025

www.ncbia.com

page 37

ND

ake b m a l c l a u Ann rse raffle & Reve

THURSDAY, OCTOBER 2 , 2025 5:00 pm Deadline for Reservations is Wednesday, Sept. 24

Rev. 8.25.25

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GIFT CARD RAFFLE BASKET RAFFLE & MORE

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Includes: logo on table signage and placemats, newsletter/print/digital recognition

credit cards will be accepted the night of the clambake

___ Yes, I will provide a raffle basket ___ Yes, I would like the NCBIA to prepare a basket( $100) ___ Yes, I would like to donate a gift card or door prize NCBIA may purchase on my behalf for $ __

*A 3% convenience fee will be charged for ALL credit card payments Email completed forms to judie@ncbia.com or Mail to 5321 Meadow Lane Court - B Suite 23, Sheffield Village, OH 44035.

BAR SPONSOR

21 & OLDER ONLY PLEASE

DESSERT SPONSOR

RAFFLE BOARD SPONSORS $10

RAFFLE BOARD SPONSORS $5

Pre-Sale Raffle Board Numbers are now available! Numbers are available on a first come first served basis, email us or Call Today! 440-934-1090

TABLE SPONSORS

New Member Orientation

PHOTO GALLERY Our new members got to get a good look into what membership includes and how to make the most of it!

Be sure to say Hi, if you see a familiar face in here!

August 2025

www.ncbia.com

page 39

NAHB NOW

NAHB AWARDS PROGRAM Now Accepting Applications

T

he National Association of Home Builders (NAHB) has announced that its awards program is now open.

The NAHB Awards Program highlights the best and brightest in the residential construction industry in a variety of categories.

Applications are now open for the following: Best in American Living™ Awards — sponsored by SMEG — spotlights the most creative and innovative residential construction projects that redefine excellence for homes and communities around the world representing design, multifamily, offsite construction and remodeling.

Associates of Excellence Awards, acknowledging Associate members and builder collaborators for their remarkable contributions to the housing industry on multiple levels.

Custom Home Builder of the Year Award, recognizing custom builders for their innovative achievements, professional leadership and creativity.

Leading Suppliers Council Spark Award, recognizing the most innovative Leading Suppliers Council member of the year.

Professional Women in Building (PWB) Awards, recognizing women in the industry and local PWB councils for outstanding programs, services and contributions to the industry.

The NAHB/Builders Mutual Safety Award for Excellence (SAFE) Awards Program, the home building industry’s only award recognizing professionals who have made successful efforts to advance safety in the industry.

The Nationals Awards — NAHB’s largest awards competition — celebrating the best in new-home sales and marketing, 55+ housing, global innovation and NAHB Honors.

Young Professional Awards, recognizing young industry professionals who have demonstrated leadership in their careers, their communities and NAHB. Student Chapters, recognizing the achievements and dedication of student members, faculty advisors and local home builders association members.

The deadline for entries for this year’s awards cycle is Oct. 6.

For more information on the NAHB Awards Program, visit nahb.org/awards.

page 40

www.ncbia.com

August 2025

THANK YOU SPIKES! STATESMAN SPIKE (500-999 SPIKE CREDITS) Bob Yost......................... Dale Yost Construction............................... 710.25 Mary H. Felton............. Guardian Title.............................................. 566.50 SUPER SPIKE (250-499 SPIKE CREDITS) Terry Bennett................. Bennett Builders & Remodelers................. 302.75 Jack Kousma................. Kousma Insulation...................................... 302.50 Sara Majzun......................Majzun Construction Company................ 293.00 Chris Majzun Jr. ........... Majzun Construction Company................ 282.00

Our SPIKES are Our FOUNDATION

ROYAL SPIKE (150-249 SPIKE CREDITS) Bill Perritt...................... Perritt Building Co...................................... 225.50 Brett Kopf...................... Kopf Builders............................................... 207.00 Jeff Hensley................... Lake Star Building & Remodeling............ 190.75 Randy K. Strauss.......... Strauss Construction................................... 181.50 Tom Lahetta.................. Tom Lahetta Builders.................................. 178.50 RED SPIKE (100-149 SPIKE CREDITS) Jason Scott..................... Greyhawk Development, LLC................... 144.50 Dave Linna Sr................ Linna Homes & Remodeling..................... 139.50 Thomas Caruso............. Caruso Cabinets........................................... 118.75 Tom Sear........................ Ryan Homes................................................. 113.50 Patrick Shenigo............. ShenCon Construction, LLC...................... 113.25 GREEN SPIKE (50-99 SPIKE CREDITS) Chris Mead.................... Maloney & Novotny, LLC.......................... 80.50 Tim King........................ K. Hovnanian Homes.................................. 78.50 Aaron Kalizewski......... Grande Maison Construction..................... 71.00 Jeremy Vorndran.......... 84 Lumber..................................................... 66.50 Liz Schneider................ Dollar Bank................................................... 59.00 LIFE SPIKE (25-49 SPIKE CREDITS) Steve Schafer................. Schafer Development.................................. 30.50 BLUE SPIKE (6-24 SPIKE CREDITS) Mark McClaine............. 84 Lumber..................................................... 24.50 John Toth....................... Floor Coverings International.................... 23.00 Dave LeHotan............... All Construction Services........................... 20.00 Chris Collins................. Carter Lumber.............................................. 16.00 Ken Cassell.................... Cassell Construction.................................... 13.50 John Blakeslee............... Blakeslee Excavating, Inc............................ 12.00 Scott Kosman................ Lakeland Glass............................................. 9.50 Mike Meszes................. DRC Construction....................................... 9.00

Tim Hinkle..................Green Quest Homes................................ 6.50

Jim Tipple...................... Maranatha Homes....................................... 6.50 Lindsay Yost Bott.......... Dale Yost Construction............................... 6.00 Lou LaGuardia............. Repros Engineering..................................... 6.00

August 2025

www.ncbia.com

page 41

TWO DAY SHOW!!!!!

Saturday, February 21st 9-5 Sunday, February 22nd 10-3

EXHIBITOR CONTRACT Company Name (as it will appear in show) __________________________________________ Contact Person (print) _________________________________________________________ Cell # _______________________________________________________________________ Primary Product(s)/Service(s) ___________________________________________________ Email address ________________________________________________________

Lorain County Community College 1005 North Abbe Road, Elyria

Booth spaces are LIMITED and available on a 1st Come, 1st Served Basis!

2025 SOLD OUT - Act now to secure your booth!

BOOTH INFORMATION

Will you need electricity? _______ YES _______ NO

$425 Booth Space - MEMBERS ONLY

Electric is optional and available on a 1st Come, 1st Served Basis! ______# of Booth Spaces

____________TOTAL AMOUNT DUE

I understand that I have contracted for exhibit space by signing this contract and I am liable for the full cost of the booth space. I also understand that the final location of space will be determined by show management when payment is made in full. The undersigned represents that he/she is fully authorized to execute and complete this agreement. The undersigned also understands and agrees to the rules and regulations on the reverse side of this contract.

Authorized Exhibitor Signature Printed Name

Sponsorships Available Call for More Info!

Showcase Your Business

PAYMENT METHOD:

Please Indicate how you would like to pay for your booth space. ___Invoice

___Check Enclosed

___VISA/MC/AMEX/DISC*

**A 3% Convenience Fee will be charged for all Credit Card Payments

*If you select credit card, our office will call for your card information.

Please send completed form to Judie@ncbia.com or 5321 Meadow Lane Court - B, Suite 23 Sheffield Village, OH 44035

Event Sponsors: Our Biggest Consumer Event of the Year!

Over 1000 Local Consumers Expected

Questions? Contact the NCBIA at (440) 934-1090

Supporting Sponsors:

Bag Sponsor: Rev. 6/7/2025

RULES AND REGULATIONS GOVERNING EXHIBITS MANAGEMENT: The North Coast Building Industry Association (NCBIA) shall be deemed Event Management and shall have all rights thereto assigned. (From here on the North Coast Building Industry Association will be referred to as NCBIA).

CHARACTER OF EXHIBITS: NCBIA reserves the right to approve all exhibits. The exhibits and the distribution of promotional material shall be limited to the confines of the Exhibitor’s space. Under no circumstances shall any Exhibitor be permitted to attract attention to his/her exhibit in such a way as to distract or interfere with the other exhibitors.

REGISTRATION: Exhibitors and their employees at the Event should wear a registration badge and/or tag for proper identification.

SET UP/REMOVAL OF EXHIBITS: All exhibits must be placed and ready at the opening of the show and no movement of exhibits will be permitted until after the close of the show. Exhibits must remain intact until after closing of the show and be removed within such time as may be specified by the NCBIA. Strict compliance with move in and move out times is mandatory. A fine for late move in and/or early move out will be assessed at the discretion of the NCBIA. RAFFLES: Exhibitors are encouraged to conduct games, lotteries and/or similar activities to increase patron participation, so long as it does not interfere with the other exhibitors.

CARE OF EXHIBITS/AISLES: Aisles must be kept clear at all times. Seating for buyers must be confined within the exhibitor’s space. Exhibitors are requested at all times to cooperate with the NCBIA in maintaining all exhibits in appropriate condition. *In the event that the Exhibitor does not exhibit as provided herein or fails to comply in any respect with the terms of this agreement, the NCBIA management shall have the right without notice to the Exhibitor, to license the use of said space to any other company, enterprise, person or persons and the Exhibitor agrees to pay any deficiency, loss and/or damage sustained by the NCBIA as a consequence of such failure to occupy space as provided in this agreement. In addition, it is agreed that should the NCBIA be unable to license the use of said space as herein provided, it shall have the right to occupy said space for its own purposes without prejudice to its rights against Exhibitor pursuant to this agreement, including but not limited to the payment of a license fee. *Exhibitor will not sub license any part of the space herein provided for without the express written consent of the NCBIA. In the event the exhibit premises are destroyed or rendered unavailable for any reason whatsoever (whether before or during the scheduled exhibition), the rights of the Exhibitor under this agreement shall be limited to a pro-rated refund of the amount paid for the space licensed.

DIRECT SALES: All direct sales vendors must make the payment for their space in full at the time of registration.

REFRESHMENTS: No sample food and/or beverage products may be distributed by exhibitors except upon written authorization of the NCBIA. COMPLIANCE WITH LAWS: Exhibitors must comply with all federal, state and local laws, regulations and rules that may be in force during the exhibit.

INSURANCE: Exhibitors who desire insurance on their exhibits must procure same at their own expense. The NCBIA will not be responsible for any losses incurred by the Exhibitor or its employees because of theft, damage or for any cause whatsoever nor to any property of employee(s) or Exhibitor(s) while en route to or from exhibit.

The Exhibitor agrees to make no claim for any reason whatsoever, including negligence, against the NCBIA or NCBIA management, its agents or employees while in the show quarters. Exhibitor agrees to indemnify and hold harmless the NCBIA against any loss, damage or expense (including reasonable attorney’s fees) act or omission of Exhibitor or its agents connected in any way with its exhibits.

DECORATIONS, SIGNS, ETC: All equipment in conjunction with the exhibit must be provided by the Exhibitor. However, only the sign of the firm covered by the Exhibitor’s agreement may be placed in the booth or upon printed list of exhibitors or program. All decorations must conform to fire regulations. No exhibit is permitted that is more than eight feet high, or that obstructs other exhibits due to its design or size or that presents a safety hazard to other exhibitors and/or attendees.

PAYMENT DEFAULT: Payment must be made prior to event set up.

REFUND POLICY: A partial refund will only be given with a minimum of 45 days notice prior to the event. The NCBIA retains the right to use their own discretion when deeming the reason for refund as a viable one to determine whether refund shall be granted. *The NCBIA shall have the right to make such rules and regulations in connection with the Exhibition as it may deem proper and may amend them at any time, and the NCBIA shall have the full power in the matter of interpretation and enforcement thereof. The rules and regulations heretofore referred to are printed on this agreement and are incorporated herein by reference. Exhibitor agrees to abide by said rules and regulations. *It is agreed that this instrument is a license, and not a lease, and that no leasehold or tenancy is intended to be or shall be created hereby. *This agreement cannot be varied, modified or canceled by the Exhibitor without the express written consent of the NCBIA. *IN WITNESS THEREOF, the Exhibitor has caused this application and agreement to be executed by authorized representative.

Signature of Exhibitor ___________________________________________________ Date___________________

EYE ON HOUSING

OHIO STATE REP'S REPORT SATURDAY, AUGUST 23, 2025

I

hope everyone is doing well and enjoying the cooler weather, finally!

I just wanted to let everyone know that our National Association of Home Builders' 2026 International Builders Show (IBS) will be in Orlando, Florida for the last time this February 17 -19. After this year it is scheduled to be held in Las Vegas for the foreseeable future.

Starting on Tuesday, September 2 and through that month, the early NAHB member cost for exhibits only is FREE. And I believe that the Full registration which includes all the education sessions is only $425. But these deals do end at the end of September, so plan on signing up in early September!

Hotels - Ohio has been assigned two different hotels. I recommend you book a hotel when you register. these reservations can be cancelled without charge up 72 hours before your February check in date. Our Ohio hotels are (1) The Hyatt Regency Orlando - it is the NAHB headquarter hotel and is located right across the street from the convention center. It is listed at $324 per night (figure about $365 per night with tax). I have selected the second Ohio hotel which is the Cabana Bay Resort located in the Universal theme park. The quoted rate is listed at $130 per night (about $146 with tax) and there is free shuttle service provided by NAHB to and from the convention center.

Randy K Strauss Ohio State Rep to NAHB 1025 Milan Avenue Amherst, Ohio 44001 Office: 440-984-2575 Cell: 440-935-2929 randykstrauss@aol.com

I do understand that Emmitt Smith (former Dallas Cowboys running back) will be our keynote speaker for the opening ceremonies on the morning of February 17. The closing concert entertainment for Thursday, February 19 has not yet been determined.

I would recommend that you consider purchasing a ticket or two for the "House Party" on Tuesday evening, February 17. It's basically an all-inclusive party and it will be held from 6 pm - 8 pm at Pointe Orlando. I understand that there are a number of great clubs all with differing entertainment that you can visit. The venue is within easy walking distance from the convention center and is typically a great time.

Tickets for this event are $75 per person and must be purchased in advance. You can get these when you register for the show.

Starting on September 2nd, go to BuildersShow.com and get all the latest information about the show and to register at the discounted prices.

As always, my best to you all! page 44

www.ncbia.com

August 2025

SALES AND MARKETING COMMITTEE PRESENTS

“HOW TO WORK A ROOM”

Thank you sponsors!

Instructor: Mary H. Felton, Guardian Title

Education drives progress and innovation.

How to Work a Room Presented by NCBIA Sales and Marketing Committee

PHOTO GALLERY

page 46

www.ncbia.com

August 2025

Save 8 cents per gallon!1

The 7-Eleven

Commercial Fleet Mastercard ®

Simplify Fleet Management. Maximize Savings.

Designed for mid-sized to larger fleets, the 7-Eleven Commercial Fleet Mastercard® offers the flexibility of fueling anywhere that accepts Mastercard® in the U.S.2 Simplify your fleet management with customizable reports that give you real-time insights into spending and driver activity, all while earning rebates on every purchase.1

Convenience Accepted at your favorite 7-Eleven, Speedway & Stripes locations and anywhere Mastercard®is accepted in the U.S., regardless of fuel brand.2 Your go-to convenience store for food, snacks, hot and cold beverages, gas and so much more. Generally open 24 hours a day.

Rebates & Savings

Manage your account online, in real-time.

Security & Fraud Controls

Save 8 cents per gallon

Use card prompts to help prevent misuse.

Set card controls online.

at 7-Eleven, Speedway & Stripes locations1

Online Control & Visibility Customize and download detailed cost and performance reports monthly or in real-time.

Monitor transactions online.

For industry-leading service & support, contact your Account Manager!

Phone

404-438-0471

Email

Name

Reginald Ray

reginald.ray@corpay.com

1 Limited time offer for new 7-Eleven Commercial Fleet Mastercard® applications received from 06/11/2025 through 12/31/2025. Receive an 8c per gallon rebate at 7-Eleven, Speedway & Stripes branded locations. Rebates are cents per gallon based on the number of gallons purchased at 7-Eleven, Speedway & Stripes locations per calendar month. Not valid on aviation, bulk fuel, propane or natural gas purchases. To receive rebates, invoice must be paid on time. Rebates subject to change beginning 12 months after account setup.

2 Fuel purchases at locations other than 7-Eleven, Speedway or Stripes are subject to an out-of-network transaction fee.

Please see Client Agreement – at http://www.7-elevenfleet.com/terms/7-Eleven-mc – for rate, fee and other cost and payment information.

The 7-Eleven Commercial Fleet Mastercard® is issued by Fifth Third Bank, National Association, pursuant to a license by Mastercard® International Incorporated. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard® International Incorporated.

Subject to credit review and approval ©2025 Corpay, Inc. P.O. Box 1239, Covington, LA 70434

Earn cents per gallon for the first six months!

1

The 7FLEET Diesel Network Mastercard ®

Fueling Your Fleet for the Road Ahead.

Perfect for diesel fleets that rely heavily on high speed truck diesel lanes for fuel. The 7FLEET Diesel Network Mastercard® offers significant discounts on diesel at the over 392 locations that make up the 7FLEET Diesel Network as well as discounts on commercial truck lane diesel across the AMBEST network.2

Convenience Accepted at your favorite 7-Eleven, Speedway & Stripes locations and anywhere Mastercard® is accepted in the U.S., regardless of fuel brand.3

Savings & Rebates

Manage your account online, in real-time.

Simple online access.

Security & Fraud Controls

Earn ¢ per gallon for the first six months! 1

Use card prompts to help prevent misuse.

Set card controls online.

Save an average of 34¢ per gallon2

Online Control & Visibility

on truck diesel lane gallons fueled in the 7FLEET Diesel Network.

Customize and download detailed cost and performance reports monthly or in real-time.

Monitor transactions online.

Contact your sales representative today!

Name

Phone

Email

1. Limited time offer for new 7FLEET Diesel Network Mastercard® applications received 03/15/2025 through 06/30/2025. Earn a 7¢ per gallon rebate on every gallon purchased at 7-Eleven, Speedway or Stripes locations for the first 180 days after account setup. Not valid on off-road diesel, aviation, bulk fuel, propane or natural gas purchases. To receive rebate, invoice must be paid in full and on time. Rebates subject to change beginning 12 months after account setup.

2. Average savings of 34¢ per gallon in the 7FLEET Diesel Network based on actual 7FLEET Diesel Network client transactions for Q4 of 2024. Visit www.7fleetnetwork.com/locations for a full listing of 7FLEET Diesel Network sites. Truck lane diesel transactions made with the 7FLEET Diesel Network Mastercard® at AMBEST Travel Center locations will receive a Cost Plus discount when purchased at the truck lanes. Visit https://am-best.com/Travel-Centers/Location-Map for a full listing of AMBEST sites. Not valid on unleaded, aviation, bulk fuel, propane, natural gas, or non-truck lane diesel purchases.

3. Fuel purchases at locations other than 7-Eleven, Speedway or Stripes locations are subject to an out-of-network transaction fee.

Subject to credit review and approval.

Please see Client Agreement at www.7-elevenfleet.com/terms/7-Eleven-dn for rate, fee and other cost and payment information.

The 7FLEET Diesel Network Mastercard® is issued by Fifth Third Bank, National Association, pursuant to a license by Mastercard® International Incorporated. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard® International Incorporated. © 2025 Corpay, Inc., P.O. Box 1239, Covington, LA 70434