IMAGINE THE POSSIBILITIES There has never been a better time to be a Carter Lumber customer in the Cleveland/Akron area. We now have even more resources to provide our customers with quality materials and exceptional service. We’re more than just a lumberyard! Contact your nearest store location to see how having Carter Lumber as a part of your team can help you grow your business and your bottom line.
41625 Griswold Rd. Elyria, OH 44035 • (440) 934-5266
6199 SOM Center Rd. Solon, OH 44139 • (440) 248-5355 467 Center St. Chardon, OH 44024 • (440) 286-3833
172 N. Case Ave. Akron, OH 44305 • (330) 784-5441
3779 Manchester Rd. Akron, OH 44319 • (330) 645-6404 3725 Medina Rd. Medina, OH 44256 • (330) 725-6760
6320 N. Ridge Rd. Madison, OH 44057 • (440) 428-1110 carterlumber.com
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
5201 Waterford Dr. 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 Administrative Assistant Ashlyn Bellan | ashlynncbia@gmail.com Marketing Associate Maria Sabala | maria.sabala.ncbia@gmail.com
2020 NCBIA Officers
President Jeremy Vorndran, 84 Lumber Vice President Sara Majzun-Garwood, BCT Alarm Services, Inc.
Associate Vice President John Toth, Floor Coverings International Treasurer Steve Fleming, Shamrock Development Secretary Tim King, K. Hovnanian Homes - Ohio Division Immediate Past President Liz Schneider, Dollar Bank
2020 NCBIA Board of Directors
Dennis Willis, ActionCOACH TeamNEO Kelly Christy, Cleveland Custom Homes Mike Meszes, DRC Construction Dave Linna, Linna Homes & Remodeling Jason Rodriguez, Lorain County Joint Vocational School Mark Craig, Mark F. Craig, Esq. Jason Scott, North Star Builders Emily May Brunke, Northwest Bank Dave Weisenberger, Tusing Builders & Roofing Services
March 2020
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 Calvin Smith, Calvin Smith Builders Tom Caruso, Caruso’s 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 Chris Majzun Sr., Majzun Construction Co. Chris S. Majzun Jr., Majzun Construction Co. Jim Sprague, Maloney + Novotny, LLC Randy Strauss, Strauss Construction Tom Lahetta, Tom Lahetta Builders, Inc.
2020 NAHB & OHBA Directors
These are our members who represent our local industry in Washington DC and Columbus.
Sr. NAHB Life Director
Randy Strauss, Strauss Construction
Ohio’s State Rep. to NAHB
Randy Strauss, Strauss Construction
OHBA Past Presidents Randy Strauss, 1996
2020 OHBA Trustees
Jeremy Vorndran, 84 Lumber Tim King, K. Hovnanian Homes – Ohio Division Jason Scott, North Star Builders
OHBA Area 2 Vice-President
Richard Bancroft, Bancroft Development
www.ncbia.com
page 3
Table of Contents 6
Letter from the President
8 Save the Dates 8 Member News 8 What Members are Saying When Surveyed
10 Executive Officer’s Report 11 NAHB Government Affairs
letter re: SBA programs for associations and non-profit 501(c)(6)
12 Golf Classic Save the Date &
28 50 NAHB Provides Analysis on New
13
29
Sponsorship Opportunities
OHBA Member Rebate Program
14 Existing Home Sales Hits 13Year High in February
EPA Water Rule
Welcome New Members! Sorry to See You Go! Applying for Membership! Thank You for Renewing!
15 32-36 Builder Confidence Declines But Remains Solid
16
OHBA Executive VP Column
17
NCBIA is Taking a Stand Against Cancer: St. Jude
18-19
Most Likely (Unlikely) Features in a New Single-Family Home in 2020
20
Eye on the Economy: Viral Economic Stress
Vacant Land Available
37
New Home Sales Post Strong February Reading
CareWorks On-site Seminar Cancellations
52-53
CareWorks Coronavirus Workers' Comp Update
54-55
US Dept. of Homeland Security Memo: Essential Critical Infrastructure Workers
55-68
38-39
US Dept. of Homeland Security: CISA Guidance on Essential and Critical Infrastructure Workers
40
69
Viral Economic Stress: Impacts of the Coronavirus
Ohio Counties (Open - Closed Restricted) Updated 3/26/2020
42-43
70
2020 Calendar of Events
Legislative Review
Membership Drive Flyer
22-25 44-45 NAHB Now: Congress Approves
71-74
26
NAME!!!
$2.2 Trillion Economic Stimulus Package
Fed Cuts Rates to Zero
31
Spike Update
CareWorks Unemployment Update
46-47
CareWorks Coronavirus Workers' Comp Update
48-49
Ohio Bureau of Workers' Compensation Coronavirus FAQ's
Membership Drive: Team Assignments - FIND YOUR
LETTER FROM THE PRESIDENT
#TeamNCBIA #InThisTogether We are all living in a different world right now. It is not like anything we have experienced in the past and we hope that once we get through this, and yes we will get through this, we will never have to experience anything like it again. As we are considered an essential industry it is important now more than ever to utilize our association and the great group of members that we have. If you have questions or concerns over anything that you have read from OHBA or NAHB regarding the procedures for COVID-19 please do not hesitate to call the NCBIA office and talk to Judie. Although our staff may be working remotely, they are fully equipped to answer any and all questions you may have. Judie has been great about forwarding out emails from the state and national representatives and she has daily calls with state and other local executive officers to go over what they are planning. Face to face meetings are non-existent right now but in this world of technology find ways to still connect with one another. Set up a zoon meeting with fellow members to discuss how things are going within their businesses and to keep those connections strong. I know the future is a big unknown right now but just remember that we are all in this together. Be vigilant, stay safe, and I hope to see you all soon once we get back to normal.
#TeamNCBIA #InThisTogether
Jeremy Vorndran of 84 Lumber
“
I know the future is a big unknown right now but just remember that we are all in this together. Be vigilant, stay safe, and I hope to see you all soon once we get back to normal.
“
page 6
www.ncbia.com
March 2020
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Save the May 28
Date!
Elected Officials Reception 4:00 - 6:00 Parker's Grille & Tavern 32858 Walker Road, Avon Lake
*All meetings held at the NCBIA office unless otherwise shown.
Proud of Someone in Your Family? In Your Company? Send info to judie@ncbia.com
Check the website at www.ncbia.com for upto-date changes, additions and corrections to these events! All are invited to attend these committee meetings! Come see how you can help!
Ann Schloss (Mary H. Felton’s sister) Superintendent of Elyria City Schools was honored as being one of the women who are guiding Lorain County Forward (article in Pulse winter 2020 issue). Ann was named superintendent in January 2019 and her entire 27-year career has been spent in the Elyria City Schools. Congratulations Ann!
What members
page 8
I don't think you guys need to change anything. Everybody at the NCBIA is awesome to work with and very friendly. Thank you for always being so helpful and nice. Quick Responses!
www.ncbia.com
“
“
are saying when surveyed:
March 2020
UNLEASH YOUR TECHNOLOGY GREATNESS Technology matters to your business Start your Digital Transformation today IT INFRASTRUCTURE COPIERS & PRINTERS WIDE FORMAT PRINTING CONTENT MANAGEMENT ENERGY CONSULTING
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Gary A. Morgan | 216-324-0327 | gmorgan@meritechinc.com Proud Supporter and Document Solutions Provider to NCBIA
EXECUTIVE OFFICER’S REPORT
We Are HERE TO HELP! The NCBIA staff is working to serve members during this challenging time. During the last couple weeks, I have spoken to many of you and appreciate the kind and supporting comments that I have received. My staff and I will continue to reach out and we hope that you will do the same. The Nation’s unprecedented response to COVID-19 has affected the economy in profound ways. The social distancing urged by public health officials has shuttered and led to extensive job losses across the country. Amid this challenging time, the NCBIA staff has continued operations to assist members and communicate local, state and national news in regard to the industry. NAHB’s efforts include legislative advocacy during Congressional deliberations on a series of legislative efforts to address what is happening. There are a wide range of resources that can be found at NAHB.org/coronavirus. NAHB CEO, Jerry Howard and Chief Lobbyist, Jim Tobin are leading advocacy efforts, including regular outreach to officials in the Trump Administration and Congress. As an example, NAHB participated in a call with White House officials to discuss strategies for aid to the housing sector. Just two days later, President Trump put into effect NAHB’s recommendation to provide mortgage relief to homeowners. NAHB also pushed for key provisions in the $2 trillion stimulus package which President Trump just signed as I am writing this article.
by Judie Docs, CSP, MCSP, MIRM, CMP, CGP
“
My staff and I are here to communicate updates as we hear them and help to you in any way that we can. We wish you, your family and your company health and safety during this time.
“
page 10
History suggests a robust rebound will follow this significant but temporary shock to the economy. As America takes on this tremendous challenge, NAHB is committed to helping members through determined advocacy, focused member services, effective communication and thoughtful economic analysis. My staff and I are here to communicate updates as we hear them and help to you in any way that we can. We wish you, your family and your company health and safety during this time.
www.ncbia.com
March 2020
Government Affairs James W. Tobin III Executive Vice President & Chief Lobbyist Government Affairs
March 24, 2020 The Honorable Nancy Pelosi Speaker of the House U.S. House of Representatives Washington, DC 20515
The Honorable Kevin McCarthy Minority Leader U.S. House of Representatives Washington, DC 20515
The Honorable Mitch McConnell Majority Leader United States Senate Washington, DC 20510
The Honorable Charles Schumer Minority Leader United States Senate Washington, DC 20510
Dear Speaker Pelosi, Leader McConnell, Leader McCarthy and Leader Schumer: On behalf of our more than 700 affiliated state and local home builders associations and the more than 140,000 members of the National Association of Home Builders (NAHB), I write to request that you extend the eligibility of desperately needed Small Business Administration (SBA) loan programs to include not-for-profit trade associations that are organized under section 501(c)(6) of the Internal Revenue Code of 1986. Providing a lifeline to these business associations during these extraordinary times will ensure small businesses across America are better equipped to navigate and ultimately emerge from the COVID-19 national emergency. Trade associations provide important health and safety education, serve to guide small businesses through the local, state and federal regulatory environment, and are important contributors to their local and state economies. These organizations are playing, and will play, a significant role in guiding small businesses across America through and ultimately out of this dark period we currently face. As I write this, tens of thousands of small not-for-profit trade associations across this country are facing the difficult decision of how to keep their doors open amid forced closures and the irretrievable loss of critical operating revenue. Amid the current economic turmoil, state and local home builder associations are losing revenue as association members retreat from professional organizations. Many associations have been forced to cancel home shows and trade shows, among other revenue-generating events, as government directives have banned mass gatherings. The federal government must step in to help ALL types of small businesses, including 501c(6) non-profit entities, to ensure we can quickly recover our economy when this emergency passes. Again, NAHB strongly encourages you to extend SBA loan eligibility to include trade associations organized as 501(c)(6) entities. Thank you for considering our views. Sincerely,
James W. Tobin III March 2020
www.ncbia.com
page 11
NEW TIME!
Sponsorships Available!
2020 NCBIA
C L A S S I C
Registration 7:15 AM Announcements 8:15 AM *Note earlier start time BBQ Lunch at 1:30 PM
(limited to 144 golfers)
Sweetbriar Golf Course
For Reservations or Sponsorship Information, please visit ncbia.com
Sponsorships Available!
Golf Classic - July 31, 2020 - Sweetbriar Golf Course Presenting Sponsor.................................................$2,000 Includes one foursome; company name/logo on banner (NCBIA to provide) placed prominently at outing; presentation at BBQ & mic time
NEW TIME! SPONSORSHIPS 2020 NCBIA 2020 NCBIA
Hole-in-One Sponsor ............................................... $TBD
Includes the opportunity to sit at the hole-in-one hole with a partner/staffer to determine a potential winner
Golf Cart Sponsor.....................................................$1,250 Provides signage for every golf cart; includes 2 BBQ tickets
C L A S S I C C L A S S I C
BBQ Sponsor ........................................................... $500 You may bring a banner to hang at the pavilion
Scorecard Sponsor.................................................. $500 Includes company logo on all scorecards placed on all carts for event
Breakfast Sponsor.....................................................$300
Opportunity to pass out breakfast at morning registration; includes signage with company name at breakfast area
Photo Sponsorship.................................................. $300 Provides for foursome photos to be taken & mailed out after the outing to each golfer; includes signage with company name on golf course
Sold
.................................................. $250
Announces the winner of the 50/50 with company name on golf course
during BBQ; includes signage
Skill Prize Sponsor............................................$250/each
Includes company name on sign at skill hole; NCBIA will provide prizes to winner - multiple available
“Pink” Ball Sponsor....................................................$250 Opportunity to sell pink balls for contest at registration area; includes signage with company name on course
(limited to 144 golfers)
On-Course Sponsor................................................. ..$150
Sweetbriar Golf Course
Includes signage with company name on golf course
Registration 7:15 AM Announcements 8:15 AM *Note earlier start time BBQ Lunch at 1:30 PM
For Reservations or Sponsorship Information, please visit ncbia.com
Free Member BeneďŹ t of Ohio HBA www.OhioHBArebates.com
Existing Home Sales Hits 13-Year High in February BY: FAN-YU KUO
S
upported by historically low interest rates and rising demand, existing home sales, as reported by the National Association of Realtors (NAR), surged to 13-year high in February after a slight decline in January. Unfortunately, this will mark the high water mark for some time due to virus concerns. Total existing home sales, including single-family homes, townhomes, condominiums and co-ops, rose 6.5% to a seasonally adjusted annual rate of 5.77 million in February, highest level since February 2007. On a year-over-year basis, sales were 7.2% higher than a year ago. The first-time buyer share remained at 32% in February from both last month and a year ago. The February inventory level rose to 1.47 million units from 1.40 million units in January but decreased from 1.63 million units a year ago. At the current sales rate, the February unsold inventory represents a 3.1-month supply, equal to last month but down from a 3.6-month a year ago. Homes stayed on the market for an average of 36 days in February, down from 43 days last month and 44 days a year ago. In February, 47% of homes sold were on the market for less than a month. The February all-cash sales shared 20% of transactions, down from 21% last month and 23% a year ago. The February median sales price of all existing homes was $270,100, up 8.0% from a year ago, representing the 96th consecutive month of year-over-year increases. The median existing condominium/co-op price of $249,900 in February was up 7.0% from a year ago. Regionally, all regions saw an increase in existing home sales in February except the Northeast, compared to previous month. Sales in the Midwest, South and West grew 0.8%, 7.2% and 18.9%, while sales in the Northeast declined 4.1% from last month. However, on a yearover-year basis, sales rose in all four major regions, ranging from 2.9% in the Northeast to 11.5% in the West. Although existing home sales remains on an upward trend in February, a recent reduction in buyer traffic indicates that the housing market recovery is likely to be derailed by the coronavirus pandemic. Meanwhile, supported by low mortgage rates and tight inventory, builder confidence remains solid in March, though sales expectations for the next six months dropped four points on economic uncertainty stemming from the coronavirus.
page 14
www.ncbia.com
March 2020
Builder Confidence Declines But Remains Solid Amid Rising Risks BY ROBERT DIETZ
B
uilder confidence in the market for newly-built singlefamily homes fell two points to 72 in March, according to the latest NAHB/Wells Fargo Housing Market Index (HMI) released today. Sentiment levels have held in a firm range in the low- to mid-70s for the past six months. “Builder confidence remains solid, although sales expectations for the next six months dropped four points on economic uncertainty stemming from the coronavirus,” said NAHB Chairman Dean Mon. “Interest rates remain low, and a lack of inventory creates market opportunities for single-family builders.” “It is important to note that half of the builder responses in the March HMI were collected prior to March 4, so the recent stock market declines and the rising economic impact of the coronavirus will be reflected more in next month’s report,” said NAHB Chief Economist Robert Dietz. “Overall, 21% of builders in the survey report some disruption in supply due to virus concerns in other countries such as China. However, the incidence is higher (33%) among builders who responded to the survey after March 6, indicating that this is an emerging issue.” Derived from a monthly survey that NAHB has been conducting for 30 years, the HMI gauges builder perceptions of current singlefamily home sales and sales expectations for the next six months as “good,” “fair” or “poor.” The survey also asks builders to rate traffic of prospective buyers as “high to very high,” “average” or “low to very low.” Scores for each component are then used to calculate a seasonally adjusted index where any number over 50 indicates that more builders view conditions as good than poor. The HMI index gauging current sales conditions fell two points to 79, the component measuring sales expectations in the next six months dropped four points to 75 and the gauge charting traffic of prospective buyers also decreased one point to 56. Looking at the three-month moving averages for regional HMI scores, the Midwest fell two points to 66, the South moved one point lower to 77 and the West posted a one-point decline to 82. The Northeast rose two points to 64. The HMI tables can be found at nahb.org/hmi. More information on housing statistics is also available at housingeconomics.com.
March 2020
www.ncbia.com
page 15
OHBA EXECUTIVE VP COLUMN
OHBA Spring Trustees Meeting Just concluded the OHBA Spring Trustees meeting. Members from across Ohio were there and contributed as well as got up to speed on essential industry knowledge. President Jeff Wieland and fellow trustees led another meaningful event packed with substantive information and how your industry advocate is watching out for you. We spent considerable time on workforce training issues; a top priority of OHBA. We had representatives from the Ohio Department of Education on hand to inform us of the best way to obtain essential credentials for curricula to obtain approval from local school districts to advance needed trades training. Also, on hand was Ed Brady, director of the Home Builder Institute who instructed us on how to avail ourselves of the vast knowledge and information from the HBI. As usual, we reviewed the latest legislative and regulatory concerns. At press time, we have been assisting NAHB on a troubling amendment in the US Senate which would authorize the federal government to set energy standards for home construction in the United States. We also reviewed a number of issues all of which impact the production of affordable housing development and construction.
by Vincent J. Squillace, CAE, OHBA Exec. VP
All these discussions will continue at our next meeting. Check out the details by contacting OHBA at (800)282-3403.
page 16
www.ncbia.com
March 2020
North Coast Building Industry Association (NCBIA) is taking a stand against cancer. We are raising funds to support St. Jude Children’s Research Hospital’s lifesaving mission of finding cures for children battling cancer and other life-threatening diseases, and I need your help to reach my fundraising goal. How your donation helps:
• Families never receive a bill from St. Jude for treatment,
travel, housing or food — because all a family should worry
about is helping their child live.
• Treatments invented at St. Jude have helped push the
overall childhood cancer survival rate from 20% to more than
80% since it opened more than 50 years ago. We won’t stop
until no child dies from cancer.
• St. Jude Children’s Research Hospital is leading the way the
world understands, treats and defeats childhood cancer and
other life-threatening diseases. St. Jude freely shares the
discoveries it makes, and every child saved at St. Jude
means doctors and scientists worldwide can use that
knowledge to save thousands more children.
Thank you for your support! Together we can help St. Jude change the world.
Donate Online: https://fundraising.stjude.org/site/TR/TAEvents/ Events?pg=entry&fr_id=117379
March 2020
www.ncbia.com
page 17
EYE ON HOUSING
Most Likely (Unlikely) Features in a New Single-Family Home in 2020
H
BY ROSE QUINT
ome builders make a lot of decisions about how to run their businesses every day. Among their most critical determinations is what features to include in the homes they build. Experience, region, trends, target audience, and many other factors play a role in a decision that directly affects their bottom line. In order to provide our members with actionable research, NAHB conducts a nationwide survey annually to find out the most likely (and unlikely) features builders will include in the typical home they build during the upcoming year. The graph below shows the features builders are most likely to include in their homes in 2020. At the very top, with average ratings of 4.8 or 4.9 are a walk-in closet in the master bedroom, low-e windows, and a laundry room (on a scale from 1 to 5, where 1 means not at all likely and 5 means very likely). Also likely to show up in homes this year are energy-efficient features: efficient lighting, programmable thermostat, and Energy Star appliances and windows. Kitchens most likely will have a central island, a walk-in pantry, and granite countertops. On the other hand, there are features builders are rather unlikely to include with the price of the home. Heading this list are cork flooring for the living areas of the main floor, geothermal heat pumps, solar systems, and dual toilets in the master bath. Also unlikely are specialty rooms like a sunroom or a media room as well as two-story family rooms or foyers.
page 18
www.ncbia.com
March 2020
March 2020
www.ncbia.com
page 19
EYE ON THE ECONOMY
Viral Economic Stress
T
BY ROBERT DIETZ
he last two weeks have seen growing concern and economic stress related to coronavirus mitigation efforts and social distancing. These recommended strategies will continue to place large sections of the U.S. economy on pause for at least the next few weeks — and potentially much longer. Postponed events, cancelled travel plans and deferred service consumption all represent lost economic activity. With a growing number of individuals altering their work schedules and working from home, construction and manufacturing are experiencing disruptions as well. NAHB is forecasting in our baseline model that second quarter GDP growth will be markedly negative, likely posting the worst performance since the third quarter of 2008. Approximately 40% of the economy is on a full or partial pause due to the coronavirus. Assuming that such efforts are successful within an eight-week period (consistent with South Korea's experience, where data are reliable), we forecast a weak third quarter followed by a rebound at the end of 2020. The unemployment rate will certainly rise in the months ahead from its historically low rate of 3.5%. Furloughs and layoffs are already being announced in heavily impacted sectors.
For the construction sector, key challenges exist and vital questions remain: To what degree will permit approvals, engineering inspections, and building supply chains continue or be disrupted? Will stimulus policies enable rents and mortgage payments to continue? How will the labor market respond to a national health crisis and social distancing? This is uncharted territory, and NAHB's economics group will continue to survey the industry, analyze the data and support the policy work of NAHB on behalf of the industry. All things considered, history suggests a robust rebound will follow this significant but temporary shock to the economy.
While this 2020 downturn will be sharp, it may also be short. The economy was in solid shape at the start of 2020, which was particularly true for housing. The March measure of the NAHB/ Wells Fargo Housing Market Index showed a healthy sentiment reading of 72, despite a two-point drop from February. The April reading will certainly be lower due to current market conditions. Single-family home construction in February was up almost 7% from an already strong pace in January, as warm weather accelerated 2020 construction activity. For the economy as a whole, while the short-term outlook is negative, policy help is underway. The Federal Reserve dramatically reduced the federal funds rate to effectively zero, restarted quantitative easing (including for mortgage-backed securities, when the mortgage market signaled some liquidity concerns at the end of last week), and made other policy moves to help ensure the continued operation of the financial system. President Trump and Congress are negotiating an aggressive stimulus bill, perhaps totaling $1 trillion, which is intended to help the economy bridge the gap from March to August.
page 20
www.ncbia.com
March 2020
AUTO
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1-800-368-2734 geico.com/disc/nahb Some discounts, coverages, payment plans and features are not available in all states or all GEICO companies. GEICO contracts with various membership entities and other organizations, but these entities do not underwrite the offered insurance products. Discount amount varies in some states. One group discount applicable per policy. Coverage is individual. In New York a premium reduction may be available. GEICO may not be involved in a formal relationship with each organization; however, you still may qualify for a special discount based on your membership, employment or affiliation with those organizations. GEICO is a registered service mark of Government Employees Insurance Company, Washington, D.C. 20076; a Berkshire Hathaway Inc. subsidiary. GEICO Gecko image Š 1999-2016. Š 2016 GEICO
NAHB NOW
CONGRESS APPROVES
$2.2 Trillion Economic Stimulus Package
C
ongress has approved a $2.2 trillion economic stimulus package in response to the coronavirus pandemic that has wreaked havoc on the U.S. economy. The Coronavirus Aid, Relief, and Economic Security (CARES) Act includes several provisions to help small businesses and those engaged in the residential construction sector. The Senate passed the bill on March 25. The House approved the legislation on March 27 and President Trump signed the economic stimulus bill later that day. At the top level, the CARES Act will: •
• • • • •
Make direct payments of $1,200 to most individuals earning up to $75,000, or $2,400 for couples earning up to $150,000. The amount decreases for individuals making more than $75,000 and payments cut off for those earning above $99,000. Provide an additional $367 billion in loans for small businesses to help deal with payroll issues. Create a $500 billion lending program for larger companies, including airlines, as well as states and cities. Establish an oversight board and inspector general to oversee loans to large companies. Provide $130 billion for hospitals. Earmark $150 billion for state and local governments.
Here are more details how this aid package will help members of the small business community and housing sector:
Small Business Small business owners in all U.S. states and territories are currently eligible to apply for low-interest Economic Injury Disaster Loans (EIDL) of up to $2 million that can provide vital economic support to help overcome the temporary loss of revenue due to the COVID-19 response. Applicants may request an advance in the amount of $10,000 to be delivered within three days of the request. This advance must be used to: 1. Provide sick leave to employees unable to work due to the effects of COVID-19; 2. Maintain payroll to retain employees; 3. Cover increased costs of materials due to interrupted supply chains; 4. Make rent or mortgage payments; or 5. Repay other obligations that cannot be met due to revenue losses. An applicant will not be required to repay this advance if it is used for these purposes, even if they are subsequently denied a loan under the EIDL program. Qualified businesses can apply online at page 22
disasterloan.sba.gov/ela/. For application assistance, please contact an SBA customer service representative at 1-800-659-2955 or email disastercustomerservice@sba.gov. Small and medium sized businesses (with fewer than 500 employees) are also eligible to apply for SBA’s expanded 7(a) loan program. This program is not provided through SBA directly, so the first step to qualifying for a 7(a) loan is to find an SBA approved lender in your community. Your lender can guide you through the application process and determine which 7(a) loan product will work best for your business. Allowable uses of these loans include: 1. Payroll costs; 2. Certain costs related to the continuation of group health care benefits; 3. Employee salaries (including commissions); 4. Mortgage, rent and utilities payments; and 5. Interest on any other debt obligations that were incurred before the covered period. A loan recipient may be eligible for forgiveness on a covered loan used for costs including payroll, mortgage and rent obligations, and utility payments.
www.ncbia.com
March 2020
If you have questions about the 7(a) loan program, you can contact the SBA at 1-877-475-2435 or email 7aquestions@sba.gov. If you are having trouble getting through to, or getting your questions answered by, the SBA, please submit this form and NAHB staff will follow up and provide additional guidance as needed.
Tax The CARES Act provides a number of tax provisions aimed at providing financial relief to most American taxpayers as well as new tools to aid struggling businesses. The centerpiece of the bill is a $1,200 “recovery rebate” that will be distributed to all eligible Americans. But the bill also includes needed tax relief to small businesses, including an employee retention tax credit; the ability to delay certain payroll tax payments; providing advance refunds of the new sick and medical leave tax credits; and relaxing rules related to net operating losses. More detail is provided below. ***NOTE: NAHB is providing this information for general information only. This information does not constitute the provision of legal advice, tax advice, accounting services, investment advice, or professional consulting of any kind nor should it be construed as such.*** New Tax Benefits for Individuals Recovery Rebates: The tax-related centerpiece of the third economic stimulus bill consists of “recovery rebates” — a $1,200 one-time payment (plus $500 per child) — mailed (or direct deposited) to every eligible taxpayer in the coming weeks. • •
•
•
Eligible recipients include taxpayers with adjusted gross income up to $75,000 (single)/$112,500 (head of household)/$150,000 (joint filers). Joint filers will receive $2,400. The rebate is phased out for taxpayers with higher incomes and is completely phased out for single filers, heads of household, and joint filers with incomes above $99,000, $136,500, and $198,000, respectively. All eligible taxpayers will receive a check, which will be processed automatically based on the taxpayers’ 2019 tax returns. If the taxpayer has not yet filed a 2019 tax return, the IRS will use their 2018 tax return. This is structured as a tax credit that is refunded in advance. Taxpayers will have to account next year for any “recovery rebate” on their 2020 tax returns.
Waived Penalties for Early, Coronavirus-Related Withdrawals from Retirement Funds: Taxpayers will not have to pay the 10% early withdrawal penalty for distributions up to $100,000 from qualified retirement accounts. Taxpayers will have three years to pay taxes on income from such a distribution, and The taxpayer may recontribute the funds to an eligible retirement plan within three years without regard to that year’s cap on contributions. This provision is only applicable for coronavirus-related purposes. To qualify, the taxpayer must: • • •
Be diagnosed with COVID-19; Have a spouse or dependent diagnosed with COVID-19; or Experience adverse financial consequences as a result of: • Being quarantined, furloughed, laid off, having work hours reduced; • Being unable to work due to COVID-19 related child care issues; • Closing or reducing hours of a business operated by the taxpayer; or • Other factors as determined by the Secretary of Treasury.
March 2020
Temporary Waiver for Required Minimum Distribution Rules for Certain Retirement Accounts: For 2020, this waives the required minimum distribution rules for certain defined contribution plans and individual retirement accounts. Partial Above-the-line Deduction for Charitable Contributions: Nonitemizing taxpayers will be eligible for a deduction up to $300 for cash contributions to churches and certain other charitable organizations. This applies for contributions made in 2020 and becomes a permanent feature of the tax code for subsequent years. New Tax Benefits for Individuals and Corporations Temporary Increase in Limits on Charitable Deductions: Prior to the CARES Act, individuals and corporations could only deduct charitable contributions up to 50% (individuals) or 10% (corporations) of their adjusted gross income (AGI). To encourage charitable giving in 2020: • •
The individual deduction limit is suspended. For corporations, the limit is increased to 25% of adjusted gross income
New Tax Benefits for Businesses Employee Retention Credit: Eligible employers are allowed a credit equal to 50% of qualified wages with respect to each employee, on a quarterly basis. An eligible employer means any employer carrying on a trade or business in 2020 during which in any calendar quarter: •
•
•
The operation of the trade or business is fully or partially suspended during the appropriate calendar quarter due to orders from an appropriate governmental authority limiting commerce, travel, or group meetings due to COVID-19; or The trade or business experiences a significant decline in gross receipts, with a 50% decline in gross receipts when compared to the same quarter in the prior year. Businesses remain eligible until their gross receipts recover to 80% when compared to the same quarter in the previous year. Maximum wages, including health insurance benefits, eligible for the credit for all calendar quarters is $10,000. • For businesses with 100 or fewer employees, generally all wages of full-time employees are eligible. • For larger businesses, only those wages paid to full-time employees who are not providing services due to a suspension of business operations or reduction in gross receipts are eligible. •Wages may also include an employer’s qualified health plan expenses allocable to the employee. • 501 (c) tax-exempt organizations are eligible. • Employers receiving a loan under section 7(a) of the Small Business Act are not eligible for the employee retention credit. • Credit is refundable to the extent it exceeds payroll taxes.
Delay of Employer-Paid Payroll Tax Payments: Employers and selfemployed individuals may defer payment of the employer share of Social Security taxes they are responsible for paying. • •
This allows employers and self-employed to save temporarily on the 6.2% Social Security tax on wages. These deferred taxes must be repaid over the following two years. • Half of the amount will be due by Dec. 31, 2021 and the other half by Dec. 31, 2022.
Advanced Refunding of Sick and Medical Leave Credit: Under the Family First Coronavirus Response Act, employers are required to provide paid sick leave and paid family and medical leave under specific
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page 23
circumstances resulting from COVID-19. The law created new tax credits to offset the employer cost of providing this leave. The CARES Act will allow employers to quickly claim credits to reduce financial strain from this new mandate. Net Operating Loss (NOL) Modifications: For income tax purposes, NOLs arise when allowable deductions of a business exceed their taxable income. Under current law, businesses can carry forward NOLs indefinitely to offset against future taxable income, but losses may not exceed 80% of taxable income in any tax period. NOLs may no longer be carried back and used to offset tax liability in prior years. • • •
Under the CARES Act, losses from 2018, 2019 and 2020 may be carried back five years from the year in which the loss was incurred. This will allow businesses with NOLs to amend prior year tax returns and obtain refunds to provide additional liquidity. The bill also repeals the 80% of income limitation so that NOLs from 2018, 2019 and 2020 may be carried forward to fully offset taxable income in years after the loss.
Modifications on Limitation of Business Interest: For businesses subject to the 30% of income limitation on deducting business interest expenses, the CARES Act increases the limit to 50% for 2019 and 2020. For more information on the tax component of the CARES Act, contact J.P Delmore at NAHB at 1-800-368-5242 x8412 or David Logan at x8448.
The CARES Act will provide small community banks with several targeted regulatory relief measures aimed at ensuring that these critical lending institutions for the residential home construction industry continue to keep credit flowing during the COVID-19 crisis. The legislation will:
•
•
Multifamily The CARES Act includes multifamily mortgage forbearance for all federally backed mortgages (Fannie Mae, Freddie Mac or FHA). Owners may request forbearance for 30 days, with the option of two additional 30 days as needed for a total of 90 days. During that time frame (by the end of the termination of the national emergency or Dec. 31, 2020, whichever comes first) owners will be unable to evict tenants or charge late fees. The legislation also calls for an immediate 120-day moratorium on evictions and associated fees for non-payment of rent for all properties insured, guaranteed, supplemented, protected or assisted in anyway by HUD, Fannie Mae, Freddie Mac, the rural housing voucher program, or the Violence Against Women Act. After the 120 days, owners must give 30 days written notice of an eviction. The eviction is specifically only for non-payment. At the end of this period, the tenants will be required to pay all rent due. Appropriation Supplement: •
•
Banking
•
Lynch at x8401.
Allow the Federal Deposit Insurance Corporation to fully guarantee business transaction accounts and provide banks with additional flexibility and streamlined capital requirements to ensure liquidity during the crisis. Permit banks to postpone compliance with the Current Expected Credit Losses (CECL) standard, which requires lenders to immediately account for potential losses when they issue loans, potentially tying up much-needed capital. Encourage all financial institutions to work with borrowers to modify or restructure existing loans, including forbearance arrangements, interest rate modifications, repayment plans and any other similar arrangements that defer or delay the payment of principal or interest before borrowers are experiencing payment difficulties. The bill would suspend accounting rules so such modifications would not be categorized as troubled debt restructurings.
•
• • • •
Tenant-Based Rental Assistance (Housing Choice Vouchers) — $1.25 billion. This will allow tenants who have had a significant loss of income apply for vouchers and it will assist the tenant in paying their rent in market rate housing. Project-Based Rental Assistance (PBS8) — $1 billion. For multifamily developers who currently have PBS8 projects, this will provide additional funds to help maintain and run operations of these properties. Community Development Fund (CDBG) — $5 billion. CDBG is a flexible block grant program, commonly used by communities for a wide-range of needs. CDBG is primarily used for activities that benefit low- and moderate-income individuals. Section 202 Housing for the Elderly — $50 million Section 811 Housing for those with disabilities — $15 million Homelessness Assistance Grants — $4 billion. This funding is for homeless individuals, shelter, and Public Housing Authorities (PHAs). Fair Housing Act initiatives — $2.5 million. Of this total, $1 million will go for education and outreach and $1.5 million is for enforcement.
There is no funding included for multifamily rural housing assistance. For more information on the multifamily provisions in the CARES Act, contact Jessica Hall at NAHB at 1-800-368-5242 x8253 or Michelle Kitchen at x8352.
Unemployment Provisions
Single Family Mortgage Relief:
The CARES Act contains a significant expansion of unemployment benefits to support workers who have lost their jobs as a result of the COVID-19 health pandemic. Specifically, the measure:
•
The CARES Act will permit anyone with a loan backed by Fannie Mae, Freddie Mac, FHA, VA or Rural Housing to receive forbearance up to one year on their mortgage by calling their servicer and reporting that they have a COVID-19 related financial hardship. The legislation also temporarily bars foreclosures on governmentbacked mortgages for not less than 60 days beginning March 18, 2020. Finally, the CARES Act gives credit scoring relief to those impacted by the COVID-19 crisis, including those taking advantage of government forbearance programs.
•
For more information in the banking provisions in the CARES Act, contact Scott Meyer at NAHB at 1-800-368-5242 x8144 or Jessica
•
• •
page 24
•
Creates a temporary Pandemic Unemployment Assistance (PUA) program to provide payment to those not traditionally eligible for unemployment benefits — such as the self-employed and independent contractors — who are unable to work as a direct result of the coronavirus pandemic. Payments through the PUA program are authorized for a maximum of 39 weeks, ending Dec. 31, 2020. This will be a huge economic relief to a large segment of NAHB’s membership. Extends traditional unemployment insurance (UI) benefits for another 13 weeks and provides for an additional $600 per week for each recipient of traditional UI or PUA for up to four months. Authorizes federal funds to cover the usual one-week waiting period before an individual gets their first unemployment benefits so that
www.ncbia.com
March 2020
•
•
they can start receiving payments immediately. Funds short-term compensation (STC) programs and allows states to create new programs for employers that are having to choose between laying off or furloughing their employees to receive funding to keep those workers on their payroll. The STC program funding will be available for coverage of weeks of unemployment through December 31, 2020. Temporary, seasonal or intermittent workers are not eligible for those types of benefits. Authorizes payments to states to reimburse government agencies, tribes and nonprofits for half the payments they are required to make into the state unemployment fund.
Everything you love about Amazon. For Work.
Paid Leave The CARES Act includes some limiting language on the paid leave provisions in the second coronavirus bill. These include an explicit limitation on the weekly and total amounts that can be paid to a worker for sick leave and family leave related to the COVID-19 health pandemic. Further, the bill extends access to paid family and medical leave for an employee who was laid off by an employer March 1, 2020, or later in certain instances if they are rehired by that employer. To be eligible, an employee would have had to work for the employer at least 30 days prior to being laid off.
Through NAHB, register for a FREE Amazon Business account and gain access to the following features: • • • •
Business-only pricing and products Purchasing approvals and workflows Improved spending visibility Multiple payment options
Create a FREE account amazon.com/NAHB Already have an Amazon Business account? Visit amazon.com/shop/NAHB
The legislation also allows employers to receive an advance tax credit from Treasury for providing paid leave benefits instead of waiting to be reimbursed on the back-end. This will require a rulemaking or guidance to establish a process for how these advance tax credits can be issued to employers. For more information on the unemployment and paid leave provisions in the CARES Act, contact Alexis Moch at NAHB at 1-800-368-5242 x8407. For more coronavirus-related information and resources, visit nahb.org/ coronavirus.
March 2020
www.ncbia.com
page 25
FED CUTS
Interest Rates to Zero
T
he Federal Reserve on Sunday evening slashed interest rates to zero in a dramatic move to boost the economy and keep borrowing costs as low as possible for consumers and businesses in the wake of the coronavirus crisis. The Fed reduced the federal funds target rate by a full percentage point, from 1% to 1.25% down to 0% to 0.25%. NAHB Chief Economist Robert Dietz provides analysis on how the Fed action will provide a stimulus to the economy and housing in this Eye on Housing blog post. In an official statement, the Fed said: “The effects of the coronavirus will weigh on economic activity in the near term and pose risks to the economic outlook. In light of these developments, the Committee decided to lower the target range for the federal funds rate to 0 to 1/4%. The Committee expects to maintain this target range until it is confident that the economy has weathered recent events and is on track to achieve its maximum employment and price stability goals.� The moves comes less than two weeks after the Fed made an emergency 50-point basis rate cut and pledged to purchase $1.5 trillion in bonds to keep the financial markets from seizing up. In today’s announcement, the Fed also announced that in order to support the smooth functioning of markets for Treasury securities and agency mortgage-backed securities that are central to the flow of credit to households and businesses, the central bank will purchase at least $500 billion of Treasury bonds and $200 billion of mortgage-backed securities over the coming months.
page 26
www.ncbia.com
March 2020
T R E AT Y O U R S E L F Make the most of your next trip with a complimentary upgrade when you use coupon # UUGA037. Plus, receive up to 25% off base rates with AWD # G572900. Visit avis.com/nahb or call 1-800-331-1212.
Terms and Conditions: Offer valid for a one time, one car group upgrade on an intermediate (group C) through a full-size four-door (group E) car. Maximum upgrade to premium (group G), excluding intermediate SUV (group F). Offer valid on daily, weekend, weekly and monthly rates only. The upgraded car is subject to vehicle availability at the time of rental and may not be available on some rates at some times. All taxes, fees (including but not limited to Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Optional products such as LDW and refueling are extra. Valid at participating Avis locations in the contiguous U.S., Puerto Rico, U.S. Virgin Islands and Canada. One coupon per rental. A 24-hour advance reservation is required. May not be used in conjunction with any other coupon, promotion or offer. Upgrade will be applied at vehicle pick-up time. Renter must meet Avis age, driver and credit requirements. Minimum age may vary by location. An additional daily surcharge may apply for renters under 25 years old. Fuel charges are extra. Rental valid through December 31, 2019. Š2018 Avis Rent A Car System, LLC
NAHB
Provides Analysis on New EPA Water Rule
T
he Environmental Protection Agency (EPA) and U.S. Army Corps
of Engineers (Corps) announced a new “waters of the United States” (WOTUS) regulation on Jan. 23, at the International Builders’ Show in Las Vegas. The new regulation, the Navigable Waters Protection Rule (NWPR), redefines the federal definition of WOTUS under the Clean Water Act (CWA). The NWPR addresses many of the concerns NAHB had with prior rules, including uncertainty over where federal jurisdiction begins and ends. Improvements compared to the prior rule include: •
with greater certainty, and focuses on conditions that are more easily
Eliminates “significant nexus” test: The onerous significant nexus test is no longer relevant due to the NWPR’s focus on features that maintain a surface connection to traditional navigable waters.
•
Encompasses fewer adjacent wetlands: Because the NWPR only asserts federal authority over wetlands that have a surface connection to other jurisdictional waters in a typical year, it does
observable, making it easier to implement in the field. To help builders and developers better navigate these changes, NAHB has issued a full analysis of the NWPR. For more information, visit nahb.org or contact Evan Branosky at ebranosky@nahb.org or 800-368-5242 x8662.
not encompass the “neighboring” and “similarly situated” waters covered by the 2015 rule. •
Excludes ephemeral waters: The NWPR does not extend federal jurisdiction to waters that form only in response to rainfall. The 2015 rule included many ephemeral features.
•
Narrows federal jurisdiction over tributaries: Because the NWPR requires tributaries to maintain intermittent or perennial flow, it does not depend on physical observations of “bed and banks and an ordinary high-water mark” that could form during ephemeral flow and last long after that flow ceased. Such physical features established jurisdiction under the 2015 rule.
•
Excludes more ditches: The NWPR excludes all ditches unless they satisfy the conditions of a traditional navigable water or tributary. In comparison, the 2015 rule regulated all ditches unless they met narrow exemptions.
In general, compared to prior rules, the NWPR subjects less area to federal oversight, eliminates ambiguous tests and provides landowners
page 28
www.ncbia.com
March 2020
Welcome New Members! Applying for Membership! Mark McClaine, 84 Lumber, Affiliate Builder (440) 823-4713 mark.mcclaine@84lumber.biz
Duane Graffice, Wm. Dauch Concrete, Primary Member
Sponsored by Jeremy Vorndran, 84 Lumber Bradford Lee, Clay’s Welding, Primary Associate, (419) 706-4691 Sponsored by Jack Kousma, Kousma Insulation Doug Rogers, Dollar Bank, Affiliate Associate (440) 668-1009 rogersd@dollarbank.com Sponsored by Liz Schneider, Dollar Bank Lisa Price, Infinite Home Services, LLC, Primary Associate (440) 654-8980 lisaprice.infinitehomes@gmail.com Sponsored by Chris Collins, Carter Lumber Tyrone Price, Infinite Home Services, LLC, Affiliate Associate (440) 714-1403 tyrone.infinitehomes@gmail.com Sponsored by Chris Collins, Carter Lumber Mike Gidich, MDG Maintenance, LLC, Primary Associate (440) 258-6136 mikeg@mdgmaintenance.com Sponsored by Chris Majzun Jr., Majzun Construction
Thank You for Renewing! Jeremy Vorndran, 84 Lumber Rick Strah, Advanced Air Duct Solutions, Inc. Kenneth Hutman, B.W. Plumbing Co. Sara Majzun-Garwood, BCT Alarm Services, Inc. Mike Chambers, Charles, Morgan & Co. Charles Hewitt, Custom Gutter & Exteriors Chris Bartish, First Federal Lakewood David Fox, Fraley & Fox Construction, Inc. Matt Garland, Garland New Homes Chris Igielinski, Henkel Corporation Mike Johnston, Homenik Door Co., Inc. Jim Dosztal, JD Custom Designs, LLC Keith Sherrill, KB Sherrill Construction Lee Squire, L&K Construction, Ltd.
Bill Sinclair, Modular Decks of America, Primary Associate (440) 327-6889 modulardecksamerica@gmail.com
Scott Kosman, Lakeland Glass
Sponsored by Steve Fleming, Shamrock Development
Jerry Vessalo, Midwest Siding Co.
David Linna Sr., Linna Homes & Remodeling Paul Goldsmith, Northern Ohio Basement Waterproofing Beth Fritz, Norwalk Concrete Industries
Sorry to See You Go!
Ryan Puzzitiello, Parkview Homes Labrini Palmieri, Project Turnkey
Diane Buchs, Allen C. Buchs Excavating, Primary Associate
Bill Perritt, Perritt Building Company
Marcus Born, Born Builders, Primary Builder
Nicholas Penick, Related Construction, Inc.
Andy Dellisanti, Dellisanti Construction, Primary Builder
Rikk Mayr, Renaissance Restoration
Ashu Howard, Affiliate Associate, Dollar Bank
TJ McAdams, Shamrock Development Co.
Edie Tiller, First Federal Savings of Lorain
Robert Palmer, Weed Pro
Laurie Brill, Howard Hanna, Affiliate Associate
Mike Gardner, Wes Gardner, Inc.
Guy James, MFS Supply, Primary Associate Cathy Berthold, Marketplace/Events Pam Melia, Signs & Ship, Primary Associate Catherine Schuster, Spitzer Management, Primary Associate Terry Hawke, US Bank Paul Roeder, Wm. Dauch Concrete
March 2020
www.ncbia.com
page 29
I do Graphic Design! websites:
Maria Sabala
(440) 382-1799 info@genevievelyle.com
genevieveLYLE MEDIA GROUP
business cards:
and more!
- landing pages - email marketing - flyers & brochures - print & digital ads Call, text or email me for a
free quote!
NEW HOME BUYERS LIMITED WARRANTY BOOKS NOW AVAILABLE Warranty book Updated and Available FOR ONLY $22 EACH! In a binder so you can include other walkthrough documents, warranties, etc.
Email your order to judie@ncbia.com or call the NCBIA Office at (440) 934-1090
THANK YOU SPIKES! STATESMAN SPIKE (500-999 SPIKE CREDITS) Bob Yost......................... Dale Yost Construction............................... 642.25 Calvin Smith................. Calvin Smith Builders................................. 594.50
Our SPIKES are Our FOUNDATION
SUPER SPIKE (250-499 SPIKE CREDITS) Mary H. Felton............. Guardian Title.............................................. 467.00 Terry Bennett................. Bennett Builders........................................... 298.75 Jack Kousma................. Kousma Insulation...................................... 264.00 Chris Majzun Jr. ........... Majzun Construction................................... 249.50 ROYAL SPIKE (150-249 SPIKE CREDITS) Bill Perritt...................... Perritt Building Co...................................... 224.50 Bucky Kopf.................... Kopf Construction Corp............................. 197.00 Randy K. Strauss.......... Strauss Construction................................... 177.00 Bill Comerford.............. Hovey Kaiser Insurance Associates.......... 175.50 Jeff Hensley................... Lake Star Building & Remodeling............ 168.75 Tom Lahetta.................. Tom Lahetta Builders.................................. 153.00 RED SPIKE (100-149 SPIKE CREDITS) Dave Linna Sr................ Linna Homes & Remodeling..................... 137.50 Sara Majzun- Garwood.......BCT Alarm Services..................................... 117.50 Ryan Puzzitiello............ Parkview Homes.......................................... 113.25 Thomas Caruso............. Caruso’s Cabinets........................................ 108.75 Chris Majzun Sr............ Majzun Construction................................... 105.00 Patrick Shenigo............. ShenCon Construction, LLC...................... 100.50
LAWN CARE MANAGEMENT, LLC
GREEN SPIKE (50-99 SPIKE CREDITS) Tom Sear........................ Ryan Homes................................................. 95.25 Mike Lapos.................... Lapos Construction..................................... 79.50 Jason Scott..................... North Star Builders...................................... 78.50 Chris Mead.................... Maloney & Novotny, LLC.......................... 74.50 Tim Conrad................... Graves Lumber............................................ 67.00 Aaron Kalizewski......... Grande Maison Construction..................... 63.50 Ray Allen Thom............ Thom Concrete ............................................ 56.50
Michael Bierek
(440) 309-8802 mdblawncare@yahoo.com
LIFE SPIKE (25-49 SPIKE CREDITS) Jeremy Vorndran.......... 84 Lumber..................................................... 39.00 Liz Schneider................ Dollar Bank................................................... 34.00 Steve Schafer................. Schafer Development.................................. 30.50 John Daly....................... Old Republic Title........................................ 25.50 BLUE SPIKE (6-24 SPIKE CREDITS) Jason Higgins................ Sunnyside Chevrolet................................... 19.00 Michelle Nowlin........... American Eagle Mortgage.......................... 15.50 Ken Cassell.................... Cassell Construction.................................... 13.50 Jeff Lugar....................... ABC Supply Co............................................ 13.00 Chris Collins................. Carter Lumber Company........................... 12.50 Tami Lanphere.............. Town Money Saver...................................... 11.50 Keith Martin.................. MBD Homes................................................. 10.00 John Blakeslee............... Blakeslee Excavating................................... 8.00 Mike Warden................. Chemical Bank............................................. 8.00 Dave LeHotan............... All Construction Services........................... 7.00 Mike Chambers............ Charles, Morgan & Company.................... 6.50
Tim Hinkle..................Green Quest Homes................................ 6.50 Scott Kosman................ Lakeland Glass............................................. 6.50
March 2020
www.ncbia.com
page 31
VACANT LAND AVAILABLE
Avon
S/L 315 Crown Colony Dr $79,900
0.188
Avon
S/L 530 Reserve Way
$140,000
0.29
Information courtesy of Linda LaFleur. Please contact her or any of our Realtor Members (Information deemed reliable, but not guaranteed)
Avon Lake
139 Artsdale Dr
$35,000
0.238
Avon Lake
31748 Lake Rd
$699,999
1.04
Avon Lake
Electric Blvd
$89,900
Avon Lake
Lear Rd
$75,000
0.36
Avon Lake
Lear Rd.
$62,500
0.35
Avon Lake
Lear Rd.
$64,500
0.35
Avon Lake
Sunset Rd
$35,000
0.12
Avon Lake
V/L #3 Oakwood Dr
$62,500
City Address List Price Acres Amherst 276 Cornell Ave $29,900 0.16 Amherst
401 OAKNOLL Dr
$29,900
0.3
Amherst
403 OAKNOLL Dr
$29,900
0.29
48060 Cooper Foster Park Rd $49,000
0.49
Amherst Amherst
611 Cleveland Ave
$49,900
0.26
Amherst 647 Park Ave $47,900 0.26 Amherst
8140 Leavitt Rd
$119,000
1
Amherst
Cooper Foster Park Rd
$69,900
1.15
Amherst Habant Dr $48,900 0.46 Amherst
Leavitt Rd
$200,000
1.41
Amherst Middle Ridge $40,000 2.54 Amherst
North Lake St
$1,900,000
23.54
Amherst Taylor St $39,900 Amherst
V/L (A) Middle Ridge Rd $35,000
1.003
Amherst
V/L (C) Middle Ridge Rd $32,000
1
Amherst
V/L Middle Ridge
$299,000
15
Amherst
V/L North Quarry Rd
$51,000
1.12
Avon
1100 Nagel Rd
$500,000
1.12
Avon
1100 Nagel Rd
$1,837,000
6.68
Avon
2417 Deerfield Dr
$95,000
0.386
Avon
31880 Mills Rd
$150,000
4.6
Avon
3230 Nagel Rd
$69,900
Avon
33665 Lear Industrial
$799,000
1.48
$100,000
0.194
Avon
33793 Crown Colony S/L 525
Avon
3441 Center Road Rd
$524,000
10
Avon
3556 Williams Ct
$110,000
0.99
$1,400,000
8.33
Avon
37476-37500 Colorado Ave
Avon
39160 Detroit Rd
$28,750 0.27
Avon
39308 Colorado Ave
$300,000
1.18
Avon
39348 Colorado Ave
$1,700,000
2.51
Avon
39460 Colorado Ave
$155,000
0.55
Avon
4237 Saint Annes Ct
$82,500
0.107
Avon
4505 Stoney Ridge Rd
$1,700,000
36.87
Avon
4609 St. Joseph Way Unit#S/L 568 $115,000
Avon
4639 St. Joseph Way Unit#S/L 576 $110,000
0.15
Avon Case Rd $33,000 0.74 Avon
Crown Colony Dr
$65,000
0.25
Avon
Detroit & Nagel Rd
$1,725,000
2.25
Avon
Detroit Rd
$1,150,000
1.5
Avon
French Creek Rd
$109,000
0.93
Avon
Jaycox Rd
$125,000
1.01
Avon Miller Rd $125,000 2.29 Avon Mills Rd $98,500 1.16 Avon
Nagel Rd
page 32
$575,000
0.75
Columbia Station 10228 Station Rd
$87,000
2.405
Columbia Station 10284 Station Rd
$87,000
2.715
Columbia Station 10340 Station Rd
$84,000
1.834
Columbia Station 10496 Station Rd
$83,000
2.67
Columbia Station 10550 Station Rd
$80,000
3.414
Columbia Station 23601 Royalton Rd
$7,900,000
318
Columbia Station 26140 Akins Rd
$875,000
53
Columbia Station 27203 Royalton Rd
$474,300
21.08
Columbia Station Capel (A) Rd
$120,000
6.96
Columbia Station Royalton Rd
$189,000
16.07
Columbia Station S/L Folley Rd
$150,000
4.13
Columbia Station S/L Folley Rd
$150,000
4.13
Columbia Station S/L Folley Rd
$150,000
4.17
Columbia Station S/L Folley Rd
$150,000
4.17
Columbia Station Springfield Cir
$89,000
2.101
Columbia Station West River Rd
$699,900
92.07
Eaton
12820 Avon Belden Rd
$990,000
60.18
Eaton
Sublot 1 Crystal Creek
$145,000
7.6
Eaton
Sublot 2 Crystal Creek
$155,000
5
Elyria
202 Gateway Blvd North $15,000
0.1
Elyria
2920 West River Rd North $167,900
4.92
Elyria 353 Bon Air Ave $11,000 0.28 Elyria
41517 North Ridge Rd
$75,000
0.08
Elyria
41531 North Ridge Rd
$250,000
0.279
Elyria
41903 Griswold Rd
$24,500
1.59
Elyria
44975 Albrecht Rd
$170,000
5
Elyria
649 Weller Rd
$12,500
Elyria
685 Abbe Rd South
$4,000
Elyria
748 West River Rd North $9,900
0.6
Elyria
9099 Oberlin Rd
$49,900
1
Elyria
9164 Oberlin Rd
$69,900
1.357
0.13
Elyria Chestnut St $15,000 0.12 Elyria Courtland St $17,500 0.186 Elyria Courtland St $17,500 0.186 Elyria East Ave $19,900 1.99 Elyria Fowl Rd $49,900 1.09 Elyria Georgia Ave $10,000 0.19 Elyria
Lorain Blvd
$185,000
Elyria
lot 12 Skyline Dr
$59,900
www.ncbia.com
4.079 March 2020
We’re in the offering NAHB members up to $1,000 business.
2020 Chevrolet Silverado 6500 HD1 Chassis Cab
2020 GMC Savana Van
2020 Chevrolet Silverado HD
2020 GMC Sierra 1500
USING THE PRIVATE OFFER FOR NAHB MEMBERS IS EASY: 1. Get your NAHB proof of membership. 2. Visit your local Chevrolet, Buick or GMC dealer and mention this Private Offer. 3. Select an eligible vehicle(s) to purchase or lease and present your NAHB proof of membership. For even more value, combine this offer with the National Fleet Purchase Program and Business Choice Offers. For full details on the Private Offer, NAHB members should visit nahb.org/gm. Example offer for NAHB members who are business owners purchasing a 2020 Chevrolet Silverado 2500 HD Crew Cab 1LT 4WD.
$1,000 Private Offer2
+
$3,400
National Fleet Purchase Program (FVX)3
Up to
Up to
+
$1,000
Eligible Accessory Cash Allowance4
=
$5,400 In Potential Value
1 Shown with equipment from independent suppliers which is not covered by the GM New Vehicle Limited Warranty. GM is not responsible for the safety or quality of independent supplier alterations. 2Private offer amount varies by model. Up to $500 offer for retail deliveries and up to $1,000 offer for fleet deliveries. Valid toward the purchase or lease of eligible new 2020 and 2021 model year vehicles. Customer must take delivery by 1/4/2021. Not compatible with some other offers. Not valid on prior purchases. Offer excludes Chevrolet Blazer, Bolt EV, Camaro, Corvette, Sonic, Spark, Trax, Volt, Buick Cascada, Envision, LaCrosse, Regal, Verano, and all Cadillac vehicles. Additional GM models may be excluded from time to time at GM’s sole discretion. See dealer for details. 3Offer available to qualified fleet customers through 1/4/2021. Not compatible with some other offers. Take delivery by 1/4/2021. See dealer for details. 4To qualify, vehicle must be used in the day-to-day operations of your business and not solely for personal/non-business-related transportation purposes. Must provide proof of business ownership. For complete program requirements, including information regarding offers, vehicles, equipment, options, warranties, and ordering, consult your dealer or visit gmbusinesschoice.com. Not eligible on Associated Accessories from third-party independent suppliers. Not available with some other offers. Take delivery by 1/4/2021. See dealer for details.
©2020 General Motors, LLC. All rights reserved. The marks appearing in this ad are the trademarks or service marks of GM, its subsidiaries, affiliates, or licensors.
Elyria
lot 25 Apollo Dr
$40,000
0.201
Lagrange
289 Eastlake Dr
$32,900
Elyria
lot 26 Apollo Dr
$40,000
0.201
Lagrange
555 Appomattox Ct
$25,000
0.439
Elyria
lot 31 Skyline Dr
$40,000
0.215
Lagrange
561 Mountain Lion Dr
$17,000
0.27
Elyria
Lot 32 Skyline Dr
$40,000
0.201
Lagrange
563 Appomattox Ct
$25,000
0.6
Elyria
Lot 36 Sunset Ct
$40,000
0.182
Lagrange
579 Longstreet
$34,900
0.571
Elyria
Lot 37 Sunset Ct
$40,000
0.182
Lagrange
708 North Center St
$269,900
1.05
Elyria
Lot 38 Sunset Ct
$40,000
0.136
Lagrange
712 Longstreet
$21,900
0.412
Elyria
Lot 39 Sunset Ct
$40,000
0.185
Lagrange
Diagonal Rd
$55,000
1.4
Elyria Middle Avenue $399,900 38.522
Lagrange
Diagonal Rd
$55,000
1.51
Elyria
Midway Blvd
$950,000
8
Lagrange
Diagonal Rd
$55,000
1.55
Elyria
Murray Ridge Rd
$69,900
7.67
Lagrange
Diagonal Rd
$60,000
2.03
Elyria
North Ridge Rd
$59,900
2.57
Lagrange
Diagonal Rd
$94,500
4.2
Elyria Northwood St $91,400 0.3
Lagrange Keywood $41,900 0.29
Elyria
Northwood St
$159,900
0.21
Lagrange Keywood $44,900 0.29
Elyria
Oberlin Rd
$219,000
48.2
Lagrange Keywood $44,900 0.29
Elyria
Rosewood St
$125,000
9.5
Lagrange Keywood $44,900 0.29
Elyria Schadden Rd $37,500 1.12
Lagrange Keywood $44,900 0.29
Elyria
Lagrange Keywood $44,900 0.29
V/L Oberlin Rd
$189,900
29.49
Elyria Wade Ave $59,000 2.5
Lagrange Keywood $44,900 0.29
Grafton
0000 East Dunham Rd
$1,300,000
100
Lagrange Keywood $44,900 0.29
Grafton
1017 Chestnut St
$25,000
0.2
Lagrange
Opportunity Way
$119,900
2.18
Grafton
Grafton Eastern Rd
$140,000
14
Lagrange
Opportunity Way
$352,550
6.41
Grafton Island Rd $27,500 1.01
Lagrange
Opportunity Way
$377,300
6.86
Grafton Main St $99,900 1.2
Lagrange
V/L Bobcat Dr
$25,000
0.87
Grafton Moorland Dr $59,900 2.01
Lagrange
V/L Whitehead Rd
$60,000
5.05
Grafton Moorland Dr $59,900 2.01
Lagrange
Whitehead Rd
$120,000
5.03
Grafton
S/L Hickory St
$219,900
31.28
Lorain
1309 West 8th St
$9,000
0.11
Grafton
S/L Willow St
$229,900
32.65
Lorain 19th $28,000
Grafton
V/L Avon Belden Rd
$227,525
27.58
Lorain
2139 North Ridge Rd
$167,777
1.15
Grafton
V/L Durkee Rd
$189,000
9.1
Lorain
2223 North Ridge Rd
$43,900
0.38
Grafton
V/L Willow St
$451,900
64.39
Lorain
2431 Goble Dr
$14,900
0.27
Grafton
V/L-A State Route 83
$69,900
6.32
Lorain 3581 Astor Ln $34,500 0.379
Grafton
V/L-B State Route 83
$69,900
6.32
Lorain
Grafton
V/L-C State Route 83
$69,900
6.32
Lorain 4977 Oberlin Ave $45,000 1.3
Grafton
V/L-D State Route 83
$79,900
6.32
Lorain 4985 Oberlin Ave $45,000 1.3
Grafton
V/L-G State Route 83
$79,900
6.32
Lorain 5175 Oberlin Ave $75,777 1.29
Grafton
V/L-H State Route 83
$75,000
6.32
Lorain 702 Broadway $89,900 0.07
Grafton
V/L-I State Route 83
$79,900
6.45
Lorain Colorado Ave $65,000
Lagrange
020 State Route 303
$59,900
3.34
Lorain Colorado Ave $120,000 5.79
Lagrange
021 State Route 303
$59,900
3.34
Lorain Colorado Ave $175,000 7.35
Lagrange
022 State Route 303
$49,900
2.23
Lorain
Lagrange
14446 State Route 301
$58,000
2.26
Lagrange
282 Eastlake Dr
$29,900
Lagrange
283 Eastlake Dr
$29,900
Lorain Fillmore Ave $52,500 2.57
Lagrange
284 Eastlake Dr
$29,900
Lorain Grove Ave $89,900 10.38
Lagrange
285 Eastlake Dr
$29,900
Lorain Jaeger Rd $75,000 2.83
Lagrange
286 Eastlake Dr
$29,900
Lorain
Lagrange
287 Eastlake Dr
$29,900
Lorain Oak Point $99,900 0.449
Lagrange
288 Eastlake Dr
$29,900
Lorain Root Rd $750,000 0.96
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4953 West Erie Ave
$139,900
1.95
Cooper Foster Park Rd
$75,000
0.64
Lorain
East 28th St
$250
0.14
Lorain
Fairless Dr
$295,000
7.11
www.ncbia.com
North Ridge Rd
$167,777
1
March 2020
Lorain Root Rd $750,000 1.3
Oberlin Reserve Ave $39,900 0.549
Lorain
Oberlin Reserve Ave $39,900 0.55
Rosecliff Dr
$125,000
Lorain Surf Rd $30,000 0.45
Oberlin Reserve Ave $39,900 0.595
Lorain Toledo Ave $9,900 0.3
Oberlin St Rt 20 $55,900 1.46
Lorain UNK Russell Ave $74,900 5.2
Oberlin
State Route 58
$35,000
1
Lorain
V/L Clinton Ave
$299,900
Oberlin
State Route 58
$250,000
1.43
Lorain
V/L Colorado Ave
$125,000
Oberlin
U S Rt 20
$45,000
4.02
Lorain
V/L Franke Dr
$299,000
4
Oberlin
U S Rt 20
$55,000
5.53
Lorain
V/L Jaeger Rd
$120,000
11.53
Oberlin
U S Rt 20
$99,000
10.34
Lorain V/L Pearl Ave $60,680 4.69
Oberlin
V/L West College St
$145,000
3.9
Lorain
0.75
Oberlin
VL Parsons Rd
$59,900
3.12
Lorain Vincent Ave $7,500 0.07
Oberlin
VL RT 58
$600,000
71.26
Lorain Vincent Ave $7,500 0.07
Sheffield
3935 Elyria Ave
$35,000
1.5
Lorain Vincent Ave $7,500 0.07
Sheffield Lake
4215 East Lake Rd
$99,900
0.31
Lorain Vincent Ave $7,500 0.07
Sheffield Lake
Lake Rd
$28,900
0.32
Lorain
VL Brenner Dr
$15,000
0.24
Sheffield Lake
Lakeview Ave
$25,000
0.27
Lorain
VL Colorado Ave
$500,000
6.641
Sheffield Lake
Parkview Dr
$30,000
0.26
Lorain
VL West Erie
$195,000
3.13
Sheffield Lake
Parkview Dr
$30,000
0.26
Lorain
VL West Erie Ave
$135,000
3.5
Sheffield Lake
Richelieu Ave
$19,900
Lorain
West 18th St
$5,000
0.12
Sheffield Lake
Robinwood Ave
$30,000
Lorain
West 9th St
$8,000
Sheffield Lake
S/L 77 & 78 Community Rd $19,000
0.2
New London
Bursley Rd
Treadway Blvd
V/L West 38th St
$20,000
23.2
0.438
$45,000
7.08
Sheffield Lake
$120,000
3.4
North Ridgeville 32801 Lorain Rd
$350,000
1.21
Sheffield Village 1641 Root Rd
$750,000
20.01
North Ridgeville 33333 Center Ridge Rd
$699,000
Sheffield Village Root Rd
$750,000
2.79
North Ridgeville 34613 Center Ridge Rd
$200,000
Sheffield Village Root Rd
$750,000
14.17
North Ridgeville 37740 Sugar Ridge
$58,000
Sheffield Village V/L French Creek Rd
$45,000
1.81
North Ridgeville 7691 Avon Belden Rd
$795,000
20
Sheffield Village V/L French Creek Rd
$45,000
1.82
North Ridgeville Avon Belden Rd
$89,000
1.91
Spencer
V/L West Rd
$79,900
8.35
North Ridgeville Avon Belden Rd
$159,000
3.86
Valley City
Grafton Eastern Rd
$129,900
15.39
North Ridgeville Bender Rd
$450,000
Vermilion
3080 Brownhelm Station Rd $49,900
1.25
North Ridgeville Bliss Pky
$250,000
1
Vermilion
3741 Parkside Reserve St $39,500
0.296
North Ridgeville Chestnut Ridge Rd
$124,700
2.36
Vermilion
3760 Parkside Reserve St $35,900
0.316
North Ridgeville Chestnut Ridge Rd.
$65,000
3.1
Vermilion
3770 Parkside Dr
$35,900
0.316
North Ridgeville Evergreen Blvd
$1,542
1.27
Vermilion
3780 Parkside Reserve St $27,900
0.316
North Ridgeville Evergreen Blvd
$185,000
1.27
Vermilion
3791 Parkside Reserve St $35,900
0.374
North Ridgeville Gloria Ave
$9,000
0.12
Vermilion
3872 Edgewater
$239,900
North Ridgeville Sugar Ridge Rd
$58,500
1.27
Vermilion
550 Sunnyside Rd
$66,000
2.18
North Ridgeville V/L Behm Rd
$50,000
0.5
Vermilion
580 Sunnyside Rd
$66,000
2.179
North Ridgeville V/L Forest St North
$35,000
0.94
Vermilion
660 Sunnyside Rd
$53,000
1.576
North Ridgeville V/L Main Ave
$15,000
Vermilion
Claus Rd. & Sunnyside Rd. $249,900
32.31
North Ridgeville V/L Mills Rd
$79,900
1.13
Vermilion
High Bridge Rd
$39,900
1.5
North Ridgeville V/L Stoney Ridge Rd
$62,900
0.81
Vermilion
Mornington Rd
$99,900
1.2
North Ridgeville V/L Stoney Ridge Rd
$62,900
0.84
Vermilion
S/L #107 Flint Dr
$33,900
0.257
North Ridgeville VL Reed Rd
$78,900
5.9
Vermilion
S/L #112 Arrowhead Dr
$33,900
0.247
North Ridgeville VL15 Chestnut Ridge Rd $450,000
9.18
Vermilion
S/L #58 Arrowhead Dr
$33,900
0.289
Oberlin 47104 US Route 20
$699,000
23.48
Vermilion
S/L #80 Wayne Trail
$33,900
0.257
Oberlin Butternut Ridge Rd
$124,900
3.75
Vermilion
S/L #82 Wayne Trl
$33,900
0.256
Oberlin Lost Elm Dr
$65,000
3.43
Vermilion
V.L. Ridgeview Dr
$300,000
35
Vermilion
V.L. Woodland Dr
$440,000
44.43
1
Oberlin Reserve Ave $39,900 0.544 March 2020
www.ncbia.com
page 35
Vermilion
V/L 10 Gore Orphanage Rd $45,000
1.51
Vermilion
V/L 11 Gore Orphanage Rd $45,000
1.52
Vermilion
V/L 12 Gore Orphanage Rd $52,500
2.79
Vermilion
V/L 9 Gore Orphanage Rd $45,000
1.51
Vermilion
V/L Baumhart Rd
$50,000
2.14
Vermilion
v/l Ferndale Ave
$34,900
0.324
Vermilion
V/L Liberty Rd
$164,900
4.3
Vermilion
Vermilion Rd
$450,000
61.2
Vermilion
West River Rd
$14,900
0.97
Vermilion
Woodlands Dr
$39,900
Wellington
139 South Mill St
$16,900
Wellington
49625 Peck Wadsworth Rd $425,000
32.63
Wellington
Bursley Rd
$78,500
10
Wellington
Parkside Reserve St
$19,900
0.286
Wellington
Rowell Rd
$619,999
92.81
Wellington
South Main St
$150,000
1.21
Wellington
South Main St
$430,000
16.39
0.25
Wellington Union St $19,500 0.3 Wellington
V/L Quarry Rd
$315,900
Don’t miss out! We’ve updated the Office Depot program to offer our members even more! OUR NEW PROGRAM INCLUDES: Substancial Discounts NAHB members saved an average of 26% over retail in 2018!
70.2
Increased Flexibility Discounts apply both in-store AND online. Dedicated Support Get answers from an Office Depot Representative Businesses can also enroll in account billing for added convenience! To enroll in a direct billing account, call 855-337-6811 X 2897
To print your discount card or to shop online, visit us at:
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page 36
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March 2020
NEW HOME SALES
Post Strong February Reading
N
BY: ROBERT DIETZ
ew home sales were solid in February before challenges associated with the coronavirus set in on the economy. Contracts for new, single-family home sales declined slightly in February by 4% to a 756,000 seasonally adjusted annual rate according to estimates from the joint release of HUD and the Census Bureau. However, this marked a 14% gain over the February 2019 pace. Moreover, the January and February sales figures, helped by warm weather during the winter, were the best recorded seasonally adjusted annualized rates since the Great Recession. The current months’ supply of new single-family homes stands at a healthy level of 5.0 after peaking at an elevated 7.4 in December 2018. After rising over much of the post-Great Recession cycle, new home inventory measurably declined from January of 2019 until stabilizing in September and rising slightly in recent months. The count of completed, ready-to-occupy new homes is 75,000 homes nationwide. The pace of new home sales will decline during the second quarter due to the impacts of higher unemployment and shutdown effects of parts of the economy, including elements of the real estate sector in certain markets. However, given the momentum housing construction held at the start of 2020, the housing industry will certainly be a sector leading the economy in the eventual recovery.
March 2020
www.ncbia.com
page 37
North Coast Building Industry Association
2020
EVENTS APRIL
JUNE
[NEW HOMES MONTH]
[NATIONAL HOMEOWNERSHIP MONTH]
Young Professionals: Night at the Crushers Sprenger Stadium, Avon 6:30
Good Friday (Office Closed)
MAY
NAHB Spring Leadership Meeting Washington, DC
[NATIONAL HOME REMODELING MONTH]
Executive Committee & Board Meeting 3:30 & 5:00
General Membership Meeting & Cookout Pogie’s Clubhouse, Amherst 11:30
Memorial Day (Office Closed) Elected Officials Reception Parker’s Grill & Tavern, Avon Lake 4:00
MEMBERSHIP EVENT
MEMBERSHIP EVENT
BOARD
NATIONAL EVENT
MEMBERSHIP EVENT
OHBA Summer Board of Trustees Meeting Grand Hotel, Mackinac Island, MI
STATE EVENT
JULY Executive Committee & Board Meeting 3:30 & 5:00 Golf Classic Sweetbriar Golf Course, Avon Lake 8:00 AM
Revised 3/30/20
BOARD
MEMBERSHIP EVENT
DECEMBER
AUGUST NAHB Association Management Conference Minneapolis, Minnesota Softball Game & Picnic Amherst Township Park, Amherst Township 1:00
NATIONAL EVENT
Executive Committee & Board Meeting 3:30 & 5:00
BOARD
Christmas Eve (Office Closed) MEMBERSHIP EVENT
Christmas Day (Office Closed) New Year’s Eve (Office Closed)
SEPTEMBER
[ASSOCIATE MEMBER APPRECIATION MONTH]
Labor Day (Office Closed) Executive Committee & Board Meeting 3:30 & 5:00 Clambake Amherst Eagles, Amherst 5:30
BOARD
MEMBERSHIP EVENT
MEMBERSHIP EVENT
OCTOBER
BOARD
[CAREERS IN CONSTRUCTION MONTH]
NAHB Fall Leadership Meeting Kansas City, Missouri
NATIONAL EVENT
LOCAL EVENT
STATE EVENT
General Membership Meeting & Election Night 5:00 (More info to come)
MEMBERSHIP EVENT
NOVEMBER [SPIKE APPRECIATION MONTH]
OHBA Fall Board of Trustees Meeting Hilton Easton, Columbus Thanksgiving (Office Closed)
Revised 3/30/20
STATE EVENT
NATIONAL EVENT
VIRAL ECONOMIC STRESS: Impacts of the Coronavirus
NAHB Chief Economist Robert Dietz provided the following overview on Friday, March 20, 2020
I
t has been a dramatic week given ongoing aggressive government action to slow the spread of the coronavirus. While concern is still growing about the current environment, it is important to keep in mind that the crisis will eventually end, and with that conclusion, economic healing will progress. NAHB has made significant forecast revisions given the growing “pause� of the U.S. economy. We are assuming an approximate eight-week mitigation period, followed by a decline in the growth rate of virus cases. This will enable portions of the U.S. economy to return to at least partial activity, slowing job losses and bringing some workers back to work. We estimate that approximately 40% of GDP is on pause or partial pause (keep in mind that about one-third of the economy is housing and healthcare alone), however this share has been growing as companies pause operations. For the second quarter, we are forecasting a minus 11% GDP growth rate, which would be the largest decline in decades for a single-quarter. The unemployment rate is expected to rise to close to 7%, with the March and April job reports showing millions of layoffs. The third quarter is likely to post a negative growth rate as well, due to economic damage in the spring. Liquidity concerns for the financial system appear to be receding thanks to the swift actions of the Federal Reserve. The 10-year Treasury rate is near 1%, although that rate declines occasionally as investors sell bonds to hold cash. The 30-year fixed rate mortgage is averaging approximately 3.6%. The current 260 basis-point gap is larger than in normal periods and reflects some market stress. However, that gap is being held in place by Fed purchases of mortgage-backed securities. Given the sharp nature of the 2020 downturn (and its biological rather than financial or economic cause), we are forecasting that after stressful second and third quarters for the year, the fourth quarter should host a V-shaped or marked rebound. It is also worth noting that while job losses in March and April are going to be historic, some sectors (like transportation/delivery and grocers) are adding workers. While we are forecasting declines for housing construction on net in 2020 (and particularly in the spring), housing was on solid footing coming into the year. Home builder confidence, as measured on the NAHB/HMI, registered a slight decline in March to 72, although we clearly expect declines in April. Single-family starts over the last three months reached post-recession highs when adjusted for seasonal factors. With low interest rates and policy help for the labor market, housing clearly would be a sector to lead the economy into recovery after the declines of mid2020. The challenge right now is uncertainty and the immense number of job losses occurring in such a short period of time. Certainty can be provided by a slowing of the number of virus cases. The economic downturn in the second and third quarters is unfortunately a requirement of social distancing and virus mitigation. If those efforts are successful, then the economy should begin the process of rebounding shortly thereafter. In the meantime, monetary and fiscal policy are working to ensure the system will be prepared for such a recovery later in the year. As more data arrive, we will of course continue to update our outlook. Further information is available on NAHB’s Coronavirus Preparedness webpage.
page 40
www.ncbia.com
March 2020
Sign up. Sign in. NPP members enjoy exclusive offers and negotiated pricing from brands like these:
LEGISLATIVE REVIEW
MARCH 27, 2020 REPORT #3 SB 212 NEIGHBORHOOD DEVELOPMENT AREA LEGISLATION VOTED OUT OF THE SENATE, MOVES TO HOUSE COMMITTEE During the Senate's last session before the March 17th primary, the tax bill from Sen. Kirk Schuring (R-Canton) cleared the chamber 29-1, with only Sen. John Eklund (R-Chardon) opposed. The bill allows a municipality or township to designate a Neighborhood Development Area in which developers and owners of newly constructed single-family homes could apply for full or partial property tax exemption until 10 years after the owner occupies the home. OHBA had testified in support of SB 212, and will continue to follow the bill as it moves over to the House for hearings, likely in the Ways and Means Committee, chaired by Rep. Merrin.
OHBA ATTENDS REGIONAL MEETING WITH HUD TO DISCUSS BARRIERS TO HOUSING AFFORDABILITY As part of a traveling roundtable discussion with HUD Staff, OHBA participated in the Ohio stop held in Columbus this week. Representatives from the Ohio Board of Realtors, OHBA, the banking community, builders and developers from around the state, and HUD staff sat down during the afternoon session to provide feedback that will eventually be used in a white paper on barriers to housing affordability. Common concerns heard from the states around the region will be illustrated in a final report showing the impact of federal, state and local regulations on providing housing. Participants shared valuable input with specific examples on how and why regulation makes up roughly 25% of the price of a new single-family home built for sale, while emphasizing the clear lack of housing supply. OHBA members were also able to share illustrative examples of both citizens and local government blunting 'workforce housing' in communities, whether it be through design standards, and zoning, or an eventual referendum effort by members of the communities themselves. The final outcome of these roundtable discussions is still unclear. Beyond a white paper to provide HUD and others with facts and common barriers to housing affordability from the region, the discussions may help in encouraging HUD engagement, recognizing the need to defend the Fair Housing Laws in the midst of disparate, discriminatory impacts of some of these regulations. OHBA will continue to be involved and provide feedback as the white paper is drafted. Feel free to contact OHBA with any questions or concerns.
MARCH 27, 2020 REPORT #4 INFORMATION UPDATE As OHBA fields questions, we will continue passing along the ongoing stream of information, FAQ, and updates. Both attached and linked below are a few of the most recent sources for your review. For any past updates or further information, visit the OHBA website at www.ohiohba.com or like us on facebook/OhioHomeBuildersAssociation.
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March 2020
Coronavirus Workers Comp Update (See Pages 47-48) Bureau of Workers Compensation FAQ (See Pages 48-49)
COVID-19 RESOURCES FOR BUSINESSES AND FAMILIES https://www.ohiohba.com/covid19/covid-19-resources-for-businesses-families/
OHIO CHAMBER OF COMMERCE INFO/FAQ, EMPLOYMENT CONSIDERATIONS https://www.squirepattonboggs.com/-/media/files/insights/publications/2020/03/coronavirus-employment-law-issues-for-employers-in-keyjurisdictions/coronavirus-employment-law-issues-for-employers-in-key-jurisdictions.pdf https://ohiochamber.com/wp-content/uploads/2020/03/squireboggsfaq.pdf https://www.fisherphillips.com/faqs
OHIO NURSERY & LANDSCAPE ASSOCIATION RELEASE https://www.onla.org/news/496819/COVID-19-Essential-Businesses-Guidelines.htm Contract and Contract Obligations. Even though work may proceed, it is important for contractors to examine their construction contracts to determine their rights and obligations under the current coronavirus pandemic circumstances. Practical Tips For Ohio Construction In Response To The Coronavirus Pandemic | Roetzel & Andress - JDSupra http://nahbnow.com/2020/03/evaluating-your-contracts-in-the-wake-of-the-coronavirus-pandemic/
ENGINEERS The Order referenced utilities, construction, infrastructure, etc., so have interpreted to mean they may be part of essential business language. Engineers were not specified like accountants. If you want to get more detailed analysis, contact OSPE’s lobbyist, Holly Ross, at pr@ohioengineer.com. She is monitoring full time.
OHIO EPA TO HOST COMPLIANCE CONFERENCE Please find the up-to-date excel spreadsheet regarding access to County Recorders’ offices. Currently, we have 17 counties Option 1; 70 Counties as Option 2; and 1 as Option 3. Trumbull Co. is currently the only county in a level three due to employees presenting with symptoms.
Please feel free to contact OHBA with any questions or concerns. Ohio Home Builders Association Toll Free- 800/282-3403
March 2020
www.ncbia.com
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March 2020
March 2020
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March 2020
March 2020
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March 2020
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Important Update Regarding Statewide Seminars and Industrial Commission Hearings In response to statewide implementation of Coronavirus (COVID-19) prevention measures, CareWorks Comp is canceling all upcoming on-site statewide seminars that were scheduled in 3 locations this May. We have chosen to cancel the seminars for two very important reasons – the health and safety of our clients and the health and safety of our colleagues. If you have already registered for one of the seminars, a CareWorks Comp colleague will be in touch with you in the very near future to discuss your options, including upcoming alternative training and education opportunities. We are committed to maintaining all services critical to the welfare and success of our clients.
Ohio Industrial Commission Suspending In-Person Hearings The Ohio Industrial Commission announced yesterday that all workers’ compensation hearings will be suspended from Monday, March 16 to Tuesday, March 17, 2020. Beginning Wednesday, March 18, the Commission will begin conducting hearings by telephone for the following issues: permanent total disability, temporary total disability or the termination of temporary total disability, wage loss, allowance and additional allowance. All other hearing issues will be continued. CareWorks Comp will keep you updated on the status of hearings as the Ohio Industrial Commission makes them available. If you have any questions regarding seminars or Industrial Commission hearings, please contact CareWorks Comp at 1-800837-3200.
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March 2020
DESIGNED FOR ANY BLUEPRINT. Exclusive offer for National Association of Home Builders members.
JEEP® GRAND CHEROKEE Business is reaching new heights thanks to the Jeep® Grand Cherokee. Rest assured, the standard eight-speed automatic transmission and 7,200-pounds maximum available towing capacity1 will get you where you need with what you need. Plus, with its Uconnect® features, you’ve got the blueprint to tackle any job that comes your way. Get behind a vehicle that works just as hard as you do. Find out more about your exclusive NAHB member benefit offer and explore eligible Chrysler, Dodge, Jeep®, Ram, FIAT® and Alfa Romeo Brand vehicles.
$500 CASH ALLOWANCE 2
on many Chrysler, Dodge, Jeep®, Ram, FIAT ® or Alfa Romeo Brand vehicles
FCA US LLC IS A PROUD AFFINITY PROGRAM PROVIDER FOR THE NATIONAL ASSOCIATION OF HOME BUILDERS.
UP TO $1,000 ALLOWANCE 3
MOST NATIONAL AND LOCAL INCENTIVES
See NAHB.org/FCA for additional details.
1. When properly equipped. Always tow within the vehicle’s capacity. 2. Available on select models. Please see dealer for more details and complete eligibility requirements. This program is available only to NAHB members and member company employees, and immediate family members living in the same household residing in the 50 United States, the District of Columbia and Guam, but such availability is subject to change without notice. 3. On The Job incentives apply only to NAHB members and member company employees. NAHB members and member company employees: see dealer for On The Job incentive details, program rules, and eligibility requirements. On The Job is a retail incentive program; see your dealer for official program rules. Offer ends 1/2/2021. Inquire about eligibility by calling 877-ONTHEJOB (877-668-4356) or by logging on to fcausfleet.com. ©2020 FCA US LLC. All Rights Reserved. Chrysler, Dodge, Jeep and Ram are registered trademarks of FCA US LLC. FIAT and ALFA ROMEO are registered trademarks of FCA Group Marketing S.p.A., used with permission.
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Ohio Counties - Open - Closed - Restricted - Updated 3/26/2020 County
Response
County
Response
County
Response
Adams
1
Highland
1
Ross
2
Allen
2
Hocking
2
Sandusky
2
Ashland
1
Holmes
2 (moved from 1 to 2)
Scioto
2
Ashtabula
2
Huron
2
Seneca
2
Athens
2
Jackson
2
Shelby
1
Auglaize
2
Jefferson
1
Stark
2
Belmont
2
Knox
2
Summit
2
Brown
2
Lake
2
Trumbull
3 (moved from 2 to
Butler
2
Lawrence
2
Carroll
2
Licking
2
Champaign
2
Logan
2
Clark
2
Lorain
2
Clermont
2
Lucas
2
Clinton
1
Madison
1
Columbiana
2
Mahoning
1
Coshocton
2
Marion
2
Crawford
2
Medina
2
Cuyahoga
2
Meigs
2
Darke
2 (moved from 1 to 2)
Mercer
2
Defiance
1
Miami
2 (moved from 1 to 2)
Delaware
2
Monroe
2
Erie
2 (moved from 1 to 2)
Montgomery
2
Fairfield
2
Morgan
2 (moved from 1 to 2)
Fayette
1
Morrow
2
Option 1
17
Franklin
2
Muskingum
1
Option 2
70
Fulton
2 (moved from 1 to 2)
Noble
2
Option 3
1
Gallia
2
Ottawa
1
Geauga
2
Paulding
2
Greene
2 (moved from 1 to 2)
Perry
1
Guernsey
2
Pickaway
2
Hamilton
2
Pike
2
Hancock
2 (moved from 1 to 2)
Portage
2
Hardin
2 (moved from 1 to 2)
Preble
1
Harrison
1
Putnam
2
Henry
2
Richland
1
March 2020
www.ncbia.com
3 - 3/26/2020 staff member in building being tested for Covid-19 - bldg shut down) Tuscarawas
2 (moved from 3 to 2)
Union
2
Vinton
2
Warren
2
Washington
2
Wayne
2 (moved from 1 to 2)
Williams
2 (moved from 1 o 2)
Wood
1
Wyandot
2
Totals as of 3/26/2020
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JE N NA B LA NCHFIELD CHAI R
J O N S H E R E R CHA I R
Grand Prize: $1,500 CASH!!! Entering the contest is EASY!!! Just bring in a new member! For each PRIMARY member you bring in you will get 6 entries into the drawing For each AFFILATE member you bring in you will get 1 entry into the drawing Winner will be drawn at our October General Membership Meeting! *BONUS: For every FIVE members you bring in, get a $200 VISA gift card! Includes all new members you sponsor between January 1, 2020 and October 20, 2020 by 5:00 pm
HOUSE STARK Tina Miller Joe Mancuso Andrew Wilson Doug Fryer Mark Phelps Dennis Willis Rick Strah Doug Leuthold Drew Lipold Sam Hudspath Mike Juhas AJ! Clonts Kenneth Hutman Tom Anderson Sara Majzun-Garwood Mark Bennett Dan Bennett Joseph Molnar Trevor Miller Rex Tomanek Fannie Chen Ashley Noe Jerry Caruso Ed Cyrek Mike Chambers Drew Alurovic Rich Roskoph Jeff Crawford Brian Tomcho Scott Herrington Chad Wildman Tyler Yost Irene Berlovan Liz Schneider Don Jason Ed Pavicic Don Foster Terry Gilles Thomas Eschtruth Erin Tober Jenna Blanchfield Tim Gossman Chris Bartish John Turcanik Jen Toth David Fox Fernando Bertero Matt Garland Aaron Kalizewski Joe Schill Tim Hinkle Mary H. Felton Chris Igielinski Beth Grayson Mike Johnston John Chandler Donna Miller Christine Burdick Lisa Price Jon Hammer Joseph Keller II Eddie James Jim Dosztal March 2020
2X Clean 84 Lumber 84 Lumber ABC Commercial ActionCoach ActionCoach Advance Air Duct Solutions, Inc. Advanced Fiber Technology AdvantaClean of the West Side All Construction Services Arrow Lift As You Wish Luxury & Romance Travel B. W. Plumbing BAS Broadcasting Ohio BCT Alarm Services Bennett Builders & Remodelers Bennett Builders & Remodelers Bob Schmitt Homes Brady 3 Custom Homes & Remodeling Butts Plumbing Cabinets & Granite Direct Cambria Caruso Cabinets Cassell Builders & Remodelers Charles, Morgan Chemical Bank Citizens Bank Cleveland Custom Homes Columbia Gas of Ohio Consumers Builders Supply CW Electrical Contracting Dale Yost Construction Dollar Bank Dollar Bank Don Jason Remodeling EFG Custom Homes EH Roberts Elyria Pressure Seal Environmental & Renovation Group Ferguson Fidelity National Title Fifth Third Bank First Federal Lakewood First National Bank Floor Coverings International Fraley & Fox Fully Promoted Garland New Homes Grande Maison Construction Green Impressions Green Guest Homes Guardian Title Henkel Corporation Home Appliance Sales & Service Homenik Door Howard Hanna Real Estate Howard Hanna Real Estate Howard Hanna Real Estate Infinite Home Services Infinity From Marvin J. P. Keller Construction James Home Construction JD Custom Designs www.ncbia.com
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HOUSE STARK
(continued)
Jim Tweardy Jessica Hively Chris Pitner Gary Kaminski Jamie Kotris Jack Kousma Lee Squire Douglas Gerber Dave Linna Sr. Craig Snodgrass Judy Nedwick Paul Samek Craig Morton Chris Majzun Sr. Jim Sprague Jim Tipple Mark F. Craig Michael Bierek Gary Morgan Jerry Vessalo Bill Sinclair Sean Smith Bryan Lazor Jeremy Nichols Scott Doane Allen Pawl Kara Odom Nicolino Nardo John Daly Ryan Puzzitiello Tim Peacock Bill & Diane Perritt Daniel Brunner Rob Pietruszka Randy Sherrill Keith Raymond Nicholas Penick Rikk Mayr Patrick Rourke Tom Sear Steven Schafer Susan R. Troike Steve Fleming Patrick Shenigo Austin McKinney Catherine Emery Timothy Slager Mark Smitek James Sturgill Jason Higgins Theresa Riddell Debra Seeley Timothy Hutman Tom Lahetta Terry Hawke Paul Vincent D. Mark Clement Phil Truax
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Jim's Electric K. Hovnanian Homes K. Hovnanian Homes Kaminski Roofing Kotris & Associates Kousma Insulation L & K Construction Landscaping By Gerbers Linna Homes & Remodeling Lorain County Auditor Lorain County Recorder Luxury Heating & Air Conditioning Mack's Majzun Construction Maloney + Novotny Maranatha Custom Homes Mark F. Craig, Esq. MDB Lawn Care Management Meritech Midwest Siding Modular Decks of America MPW Construction Services National Design Mart Nichols Construction North Star Builders North Star Builders Northwest Bank NSN Construction Old Republic Title Parkview Homes Peacock Water Perritt Building Personal Lawn Care Progressive Poured Walls Randy Sherrill Construction Raymond Plumbing, Heating & Air Conditioning Related Construction Renaissance Restoration Rourke Electric Ryan Homes Schafer Development Shagovac Heating & Cooling Shamrock Development Shencon Construction Sherwin Williams Sims-Lohman Fine Kitchens & Granite Slager Painting Smitek Construction Group Sturgill's Drywall Sunnyside Chevrolet The Nelson Agency Third Federal Tim Hutman Home Renovations Tom Lahetta Builders US Bank Home Mortgage Vincent Esquire Weathertight Construction Wickens Herzer Panza
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March 2020
HOUSE LANNISTER Colin Coyne Mark McClaine Jeremy Vorndran Jeff Lugar Rick Phelps Kim Strah Steve Whitman Ed Machovina David Lehotan Pete Newstrom Sharon Pearson Fred Miller Mark Battle Terry Bennett Tim Bennett John Blakeslee Kevin Bolden Robert Goede Kenneth Brady Susan Grachanin William Butchko Erwin Hines Calvin Smith Bob Nicoll Chris Collins Victoria Caruso-Myers Tom Caruso Kenneth Cassell Todd Urmson Mike Warden Lisa Sidoti Bradford Lee Kelly Christy Janine Mawson Charles Hewitt Bob Yost Doug Rogers Mike Meszes Shawn Walker James Traut Brandon Smith Michael McCourt Michelle Williamson Dave Meadows Melanie Stock Lisa Matuszak John Toth Ken Throckmorton Cristina Bertero William Galik Maria Sabala Annette Gilgenbach Tim Conrad Ross Boesch David Richey Valerie Greathouse Bill Comerford Donna Templeton Robert Hutman Tyrone Price Jeff Reichert Michael Neri Joann Dosztal John Thorne March 2020
84 Lumber 84 Lumber 84 Lumber ABC Supply ActionCoach Advanced Air Duct Solutions Advanced Comfort Systems Alexis Concrete Enterprises All Construction Services Arrow Lift As You Wish Luxury & Romance Travel Azek Co., Building Products Division Battle Custom Construction Bennett Builders & Remodelers Bennett Builders & Remodelers Blakeslee Excavating Bolden Home Improvements Bosh Housing Group Brady Plumbing & Heating Buckeye Community Bank Butchko Electric Cabinets & Granite Direct Calvin Smith Builders CareWorks Carter Lumber Caruso Cabinets Caruso Cabinets Cassell Builders & Remodelers Chemical Bank Chemical Bank Civista Bank Clay's Welding Cleveland Custom Homes Columbia Gas of Ohio Custom Gutter & Exteriors Dale Yost Construction Dollar Bank DRC Construction EFG Custom Homes Electrical Accents Envi-Environmental Erie Shores Contracting Fidelity National Title First Federal Lakewood First Federal Savings of Lorain First Federal Savings of Lorain Floor Coverings International Forever Fence & Rail Fully Promoted Galik Building Genevieve Lyle Media Group Gilgenbach & Sons Excavating Graves Lumber Gundlach Sheet Metal Works Hercules Fire Protection & Plumbing Home Appliance Sales & Service Hovey Kaiser Insurance Associates Howard Hanna Real Estate Hutman & Sons Builders Infinite Home Services J. L. Reichert Jack Matia Honda JD Custom Designs John Thorne www.ncbia.com
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HOUSE LANNISTER
(continued)
Crystal Cline K. Hovnanian Homes Kelly Kreischer K. Hovnanian Homes Keith Oberg K. Hovnanian Homes Jon Sherer K. Hovnanian Homes Ray Swift K. Hovnanian Homes Tim King K. Hovnanian Homes Keith Sherrill KB Sherrill Construction Bucky Kopf Kopf Builders Jeff Hensley Lake Star Building & Remodeling Scott Kosman Lakeland Glass Mike Lapos Lapos Construction Frank C Edwards Jr Linden's Propane Fred Westbrook Lorain County Auditor Jason Rodriguez Lorain County Joint Vocational School Kevin Sofranko Lorain Glass Chris Majzun Jr. Majzun Construction Chris Mead Maloney + Novotny Keith Martin MBD Homes Mike Gidish MDG Maintenance Jason Mitchell Mitchell Woodworking Mark Moran Moran Homes Joe Work MR. Level Terry Murello Murello Dave English National Design Mart Joe Hart North Coast Integrated Technologies Kim Luccioni North Star Builders Jason Scott North Star Builders Paul Goldsmith Northern Ohio Basement Waterproofing Emily May Brunke Northwest Bank Beth Fritz Norwalk Concrete Industries Tyra Lehmann Old Republic Title Packy Hyland Padsmart Bob Perritt Perritt Homes Todd Tomasheski Plas Brothers Paving Bob Pogorelc Pogie's Catering & Club House Lambrini Palmieri Project Turnkey Dan Hamker Ray Hamker Plumbing Linda LaFleur Re/Max Crossroads Properties Ken Weaver Reliable Contractor Services Pete Mueller Rite Rug Flooring Ray Litten See Thru Window Cleaning TJ McAdams Shamrock Development David Sliman Sliman Lumber Pamela Stewart Wells Stewart's TV & Appliance Randy Strauss Strauss Construction Bill Sturgill Sturgill's Stucco Thomas Eschtruth TG Eschtruth Rob Kreimes The Kreimes Company Mike Martin Third Federal Ray Allen Thom Thom Concrete Albert Gasparini Traditional Mable & Granite Dave Weisenberger Tusing Builders & Roofing Services Adam Vincent Vincent Esquire Ted Moss Virteom Robert Palmer Weed Pro Timothy McLaughlin Wells Fargo Advisors Mike Gardner Wes Gardner William Gill William Gill Construction Greg Zimmerman Zimmerman Remodeling & Construction
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March 2020
Special Association Discount for the North Coast Building Industry Association
SuperFleet Mastercard®
Association Fueling Program A fuel card program designed with associations in mind. EARN AN ADDITIONAL 15¢ PER GALLON!†
• Save 5¢ per gallon at Speedway locations • Over 2,700 fueling locations in the U.S. • Over 175,000 locations nationwide that accept Mastercard cards* • Custom card controls and increased security • Online reporting and account management
CUSTOMER NAME VEHICLE DESCRIPTION VEHICLE IDENTIFICATION
Call Holden Moll at 1-760-918-5933 or email holden.moll@fleetcor.com to start earning your association savings! Earn Speedy Rewards on eligible purchases at Speedway.
Be sure to reference the North Coast Building Industry Association for your special 15¢ discount.
†Limited time offer valid for new Speedway SuperFleet MasterCard applications received from 1/1/2020 through 12/31/2020. New approved accounts will earn 15 cents per gallon rebate on Speedway fuel purchases in the first three months after account setup. Rebates are cents per gallon based on the number of gallons purchased at Speedway locations per calendar month. The maximum promotional rebate in any one-month period, regardless of billing terms, is $300. Rebates are subject to forfeiture if account is not in good standing. The SuperFleet Mastercard® is issued by Regions Bank, pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. *Fees may apply