The Digest | Oct-Dec 2023

Page 1

Strengthen your business with the Association Health Plan

Mortgage rates impact new construction activity

Members learn to broadcast their brands

Toasting to 75 Years of Home Tours
OCTOBER-DECEMBER 2023 Digest THE
Top Quality Building Products and Exceptional Services BUILDING MATERIALS • CABINET DESIGN • WINDOWS & DOORS • DRAFTING & DESIGN • FREE DELIVERY Get a Quote Today! www.abc-clc.com Visit our showrooms at any of our 14 locations to check out our top brands like Marvin.
2 The Digest HOUSING FIRST MINNESOTA | OCTOBER–DECEMBER 2023 HOUSING FIRST 6 From the Board Chair Commemorating the 75th anniversary of our Parade of Homes 8 Elite Sponsors Thank you to our industry partners UP NEXT 10 Events See what’s coming up next for industry events 12 Need to Know A quick look at what’s going on at your association IN THE INDUSTRY 16 Advocacy in Action Key updates on our work to protect housing and homeownership 20 Industry Data Mortgage rates impact new construction activity BUSINESS TIPS 22 Revolutionizing Digital Marketing in the Housing Industry AI programs can reduce your team’s workload, save time, and increase content outputs
Standing Out in an Oversaturated Market Set your brand apart from the competition
Marketing Budgets and Partnerships Develop a strategic budget to maximize your marketing plan
Q+A: Ask the Magazine Publishing Expert Editor Kelly Ryan Kegans answers your questions on how to land in the pages of a magazine Contents OCTOBER-DECEMBER 2023 26 28 16 30
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Board of Directors

EXECUTIVE BOARD

BOARD CHAIR JOHN QUINLIVAN, Gordon James

VICE PRESIDENT ART PRATT, Pratt Homes

TREASURER TIM FOHR, Lennar

ASSOCIATE VICE PRESIDENT DALE LOEFFLER, Marvin

SECRETARY PETER MARTIN, Pella Windows & Doors

IMMEDIATE PAST PRESIDENT JAMES JULKOWSKI, Julkowski, Inc.

PAST ASSOCIATE VICE PRESIDENT SUNNY BOWMAN, Dakota County Lumber Company

BOARD + COMMITTEE CHAIRS

ADVOCACY CHAIR TONY WIENER, Cardinal Homebuilders, Inc.

AMBASSADOR CHAIR KRISTIN REINITZ, Admit One Home Systems

ARTISAN HOME TOUR CHAIR AMY HENDEL, Hendel Homes

LARGE VOLUME BUILDERS CHAIR JAMIE THARP, Pulte Homes of Minnesota, LLC

PARADE OF HOMES CHAIR SARAH DULONG, Ron Clark Construction

PAST PRESIDENT REPRESENTATIVE MEG JAEGER, Mega Remodel

REMODELERS CHAIR ANDY MICHELS, Michels Homes

SMALL VOLUME BUILDERS CHAIR KIRK VAN SLOOTEN, Denali Custom Homes, Inc.

MEMBER AT-LARGE KARYN BRADDOCK, Neighborly Property Group, LLC

MEMBER AT-LARGE JOHN KRAEMER, John Kraemer & Sons, Inc.

Staff

EXECUTIVE LEADERSHIP

CHIEF EXECUTIVE OFFICER JAMES VAGLE

ASSOCIATION STAFF

SENIOR DIRECTOR, MEMBER ENGAGEMENT & DEVELOPMENT SARAH ADAMS

EDUCATION & SPECIAL INITIATIVES MANAGER MARY BETH BLOM

SENIOR PROJECT MANAGER LAURA BURT

MEMBER SERVICES MANAGER KIM CARTER

VICE PRESIDENT, PUBLIC AFFAIRS KATIE ELFSTROM

SENIOR DIRECTOR, HOUSING POLICY NICK ERICKSON

ART DIRECTOR MANDY FINDERS

VICE PRESIDENT, LEGISLATIVE & POLITICAL AFFAIRS MARK FOSTER

VICE PRESIDENT, EVENTS & WORKFORCE INITIATIVES TOM GAVARAS

SENIOR DIRECTOR, STRATEGIC BRAND PARTNERSHIPS KATE GUNDERSON

SENIOR DIRECTOR, FINANCE TAMMI HALL

DIGITAL MEDIA & BRAND CONTENT COORDINATOR SARAH HINDERMAN

DEVELOPMENT SPECIALIST SOFIA HUMPHRIES

DIGITAL CONTENT INTERN RACHEL JAEGER

MEETINGS & EVENTS COORDINATOR GABRIELLE LANENBERG

ADVERTISING & SPONSORSHIP SALES KORI MEEWES & BRAD MEEWES, and more by Kori

CHIEF OPERATING OFFICER JANICE MEYER

PROJECT MANAGER OF THE HOUSING FIRST MN FOUNDATION ERIN MILBURN

COMMUNICATIONS & INDUSTRY CONTENT COORDINATOR KRISTEN OBER

MEETINGS & EVENTS MANAGER MARY CATHERINE PENNY

EXECUTIVE DIRECTOR OF THE HOUSING FIRST MN FOUNDATION JESSICA RYAN

CREATIVE SERVICES & TECH COORDINATOR CASEY SCOZZARI

ADVERTISING & SPONSORSHIP FULFILLMENT COORDINATOR LAURIE SPARTZ

EXECUTIVE COORDINATOR KATE WIGLEY

4 The Digest HOUSING FIRST MINNESOTA | OCTOBER–DECEMBER 2023
Digest THE The Digest magazine is an official publication of Housing First Minnesota. The Digest is published and distributed four times per year to members of Housing First Minnesota and others associated with the housing industry. Neither the advertisers, nor Housing First Minnesota, will be responsible or liable for misinformation, misprints, typographical errors, etc., herein contained. For advertising rates, resource files or address change information, contact Housing First Minnesota. Suggestions, ideas and letters are welcome. If circumstances require, Housing First Minnesota reserves the right to increase or decrease the number of The Digest issues published on an annual basis. CONTACT US 2960 Centre Pointe Drive, Roseville, MN 55113 • 651-697-1954 • HousingFirstMN.org BUILDING FUTURES 30 Compassion Through Construction Housing First Minnesota Foundation project update 32 Building Futures Make a personal impact on homelessness by donating MEMBERS ONLY 34 Health First Members strengthen their businesses with the Association Health Plan 39 Photo Galleries Members Only Housing First Minnesota Golf Open Building Futures Golf Classic Parade of Homes 75th Anniversary 46 In the Media 48 Member News & Recruitment 49 New Members & Recruitment 50 Affinity Programs ON THE COVER: The industry celebrates 75 years of the Parade of Homes with pop-up events, special marketing, and a collaboration beer with Bauhaus Brew Labs. Photo by Nordy Photography. 44
The Digest Replace. Repair. Restore. Roofing Siding Windows Gutters Metal License #BC751852 The Fine Art of Creating Exceptional Exteriors. For your complimentary consultation, connect with us: 763-297-5611 www.allstartoday.com Untitled-11 1 3/8/23 8:16 AM

Celebrating Our Parade of Homes

Dear Housing First Minnesota Members,

As we gather to commemorate the 75th anniversary of the Parade of Homes, it brings us such joy to reflect upon the incredible journey we have undertaken together. This event is so much more than just a home tour. It has been a cornerstone of our industry, a catalyst for growth, and a symbol of our unwavering commitment to homeownership in our community.

Over the years, our Parade of Homes has evolved into a market mover that resonates far beyond its annual occurrences. It has not only impacted our region’s annual sales cycle but has also consistently inspired tour-goers with stunning displays of style, design, and the latest home technology. By showcasing the innovation and creativity of our industry, we have not only elevated the standards of our trade but also set new benchmarks for the industry as a whole.

Perusing through its history shows us that our Parade of Homes has been a community convener. We’ve done food drives, created fire safety escape houses, and even crowned several Parade of Homes princesses!

It is with gratitude that we acknowledge the depth of commitment so many of you have brought to our iconic home tour. Your dedication, creativity, and tireless efforts have transformed a relatively simple concept into an extraordinary celebration of our industry and the homes we help create. As we reflect on the past 75 years, we are filled with pride for what we have achieved together and excitedly look forward to the next 75 years of continued success and innovation.

In celebrating our Parade of Homes’ 75th anniversary, let us not only honor the milestones we have reached but also reaffirm our commitment to shaping the future of housing in Minnesota. Our professional staff and board of directors have spent tremendous time innovating and positioning the Parade of Homes for the future. We are excited to share more about our plans in the coming months.

Thank you for being an integral part of our Parade of Homes and for your dedication to Housing First Minnesota. Here’s to the past, the present, and the next 75 years!

Enjoy the fall,

6 The Digest HOUSING FIRST MINNESOTA | OCTOBER–DECEMBER 2023 FROM THE BOARD CHAIR

Giveaway $10K

THANK YOU

The Parade of Homes has a long legacy of supporting homeownership in our state. Over the past few years, the Parade of Homes First-Time Homebuyer $10K Giveaway has made a major impact in the lives of everyday Minnesotans. These down payments were made possible through several donations from Housing First Minnesota members. We thank them for their generosity and support of creating homeownership opportunities for all.

OCTOBER–DECEMBER 2023 HOUSING FIRST MINNESOTA The Digest 7 151 Cheshire Lane Suite 100 Plymouth, MN 55441 763.476.9555 LIGHTING + DESIGN + DECOR www.RobinsonLigh�ngCenter.com
FIR S T-TIME HOMEBUYER

SPONSORS

SPONSORS

Elite Sponsors

Housing First Minnesota would not be as strong or successful without our Elite Sponsors. Thank you to our biggest associate supporters!

8 The Digest HOUSING FIRST MINNESOTA | OCTOBER–DECEMBER 2023
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PROVIDING SOLUTIONS

Elevations Millwork & Cabinetry by ABC is the Twin Cities leading, full-service showroom for all your cabinetry needs. Our high-end design center features over 20 displays in the latest trends. We have hundreds of options, including countertops and hardware, for every style and budget. The Elevations team of designers can assist you and your customers with samples, product selection, 3D designs, budgeting, space optimization and more to help complete the project faster. Our showroom is your showroom!

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Events

BIG Night

Join us for the Building Industry Gala (BIG) Night on October 27 — our most anticipated event of the year! This year we’re celebrating 75 years of home tours, homebuilding, and our industry’s longstanding legacy. At the BIG Night, excellence and innovation take center stage. Our distinguished awards program honors those who have raised the bar in homebuilding, remodeling, and industry contributions. Come celebrate alongside industry peers and fellow members of Housing First Minnesota at our BIGGEST night of the year!

October 27, 2023

Green Path Building Conference

Discover the latest in green building from top green building experts at this year’s Green Path Conference. Designed Green Path Builders receive one free registration.

November 9, 2023

Members Only

OMYou’re invited to our exclusive Members Only event series! Join us for an evening of networking, learning, and growing your business. Connect with industry peers, meet new partners, and get to know the newest members of the association during our happy hour. Plus, hear from industry experts.

November 16, 2023

State of the Industry

There is no better way to start the day and kick off a new year than with breakfast with internationally acclaimed speaker and economist Elliot Eisenberg. Welcome the 2024 board of directors for Housing First Minnesota and the Foundation and celebrate our outgoing board members.

December 12, 2023

Builders & Remodelers Show

Join us for the Builders and Remodelers Show (BRS)! For nearly 50 years, Housing First Minnesota has brought together industry professionals at BRS. Maximize the power of member connections and discover the latest products and services from dynamic industry partners.

FIND THE ENTIRE 2023 EVENT CALENDAR & REGISTER ONLINE AT HOUSINGFIRSTMN.ORG/EVENTS

REGISTER AT HousingFirstMN.org/ Events

REGISTER AT MNgreenpath.org

DATES AND DETAILS AT HousingFirstMN.org/ Events

REGISTER AT HousingFirstMN.org/ Events

ASSOCIATES: BOOK YOUR BOOTH NOW! BRSmn.org

February 15, 2024

10 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023 UP NEXT
UPCOMING
®

Premier Showroom:

Two of the most established and well-respected companies in Minnesota are here to meet your window and door needs. When you combine the legacy of Shaw/Stewart Lumber Co. with the craftsmanship of Marvin, you get Minnesota’s premier showroom.

Since 1886:

Shaw/Stewart Lumber Co. has been providing quality products and creative custom solutions to its customers since 1886. They serve luxury homebuilders and remodelers as well as commercial contractors in the Twin Cities area.

Quality Products:

As a homebuyer or remodeling customer, you can depend on Shaw/Stewart to be the trusted source to provide your builder or remodeler with quality products, responsive service, and creative solutions for your project.

Professional Support:

When you're ready to select windows and doors, join your contractor on a visit to the Marvin Design Gallery and confer with their professional design staff. You'll see the latest offerings from Marvin and feel the difference in quality, design, and craftsmanship.

All of the window and door displays are set in realistic vignettes, designed to help you imagine the possibilities for your own home.

Make Your Vision A Reality

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Envision your custom design with best-in-class products at the Marvin Design Gallery: A Window and Door Showroom by Shaw/Stewart

Need to Know

Spring Award Deadlines

Your hard work deserves recognition! Enter the Housing First Minnesota awards program that recognizes excellence in several areas — from quality and value of construction to business ethics. Enter the spring Reggies so we can celebrate the fine work you do!

DETAILS AT

HousingFirstMN.org/Awards

Spring Reggie Entry Due: December 2023

Spring Parade of Homes & Remodelers Showcase Deadlines

Get your work entered in the best marketing event of the spring! The Spring Parade of Homes and Remodelers Showcase entry process opens early November.

Parade of Homes:

February 24-March 24, 2024

Remodelers Showcase:

March 22-24, 2024

Spring Entries Close: December 2023

SPONSORED BY

Association Health Plan

Are you a small business in the residential construction market looking to provide insurance for your employees? Check out our Association Health Plan, which is fully insured by Blue Cross Blue Shield, managed by North Risk Partners. Participating companies have an average savings of 7-10%. *Eligibility restrictions apply.

HousingFirstMN.org/AssociationHealthPlan

Online Contractor University Classes

Earn your continuing education credits through Contractor University’s online courses. With more than 50 courses available, you’ll find specialized classes that provide useful and practical knowledge to apply to your business.

SPONSORED BY

LIVE COURSES COMING JAN-MAR 2024, ON-DEMAND COURSES

AVAILABLE YEAR-ROUND AT ContractorU.com

12 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023
UP NEXT
Continues on page 14
Install a high e iciency natural gas water heater in the CenterPoint Energy High E iciency Homes™ you build, and you may receive up to $5,000 in rebates*. ©2023 CenterPoint Energy 230517-04 Maximize your rebate and heat-up savings with a natural gas water heater. *Without a natural gas water heater, your rebate is capped at $500. Learn about more ways you can benefit from building with natural gas. It pays to be in hot water Visit CenterPointEnergy.com/Builders or contact Jake Schwietering at 612-321-4386.

Need to Know

November Is Homelessness Awareness Month and Give to the Max Day

November 16 is Give to the Max Day – Minnesota’s big giving holiday! Your generous donation to the Housing First Minnesota Foundation on this annual day of giving will go directly to build safe and dignified housing for Minnesotans experiencing homelessness. Every individual has worth and human dignity and deserves the basic provision of shelter as a necessity of life.

LEARN MORE AT HousingFirstMNFoundation.org.

Green Path Designated Builder

Become an industry leader with the Designated Green Path Builder program. Enjoy recognition in both building industry and consumer marketing, and gain access to exclusive Designated Green Path Builder program benefits.

SPONSORED BY

DETAILS AND REGISTRATION AT MNgreenpath.org

Update Your Member Info

As a member of Housing First Minnesota, your company has been added to our online association portal at HousingFirstMN.org. This website makes it easy to search and connect with fellow association members, stay in the know with industry updates, and register for our upcoming events. The member portal is the best way to take advantage of association benefits and keep your team engaged with all Housing First Minnesota offers! When you first join Housing First Minnesota, the main contact we have on file will automatically have a profile created for them, but it’s important that everyone from your company creates their own individual profile so that everyone can take advantage of association benefits, register to attend member events, and stay in the loop! If you don’t already have a member profile, scan the QR code above to create one today!

Lot Listings

Have lots to sell? We can help. Share the details on your available lot/land/acreage and we will post your listing on HousingFirstMN.org.

SUBMIT THE LOT LISTING FORM AT HousingFirstMN.org/LotListings

14 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023
UP NEXT
VHT STUDIOS

quality building materials available.

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Advocacy in Action

Regulatory Affairs Update

State regulators have had a busy summer, with rulemaking progressing across the industry, including development, new construction, and renovation.

NEW CONSTRUCTION STORMWATER PERMIT

The Minnesota Pollution Control Agency (MPCA) released a new construction

stormwater permit, effective Aug. 1. Many of the changes were minor edits made to improve readability or clarity. Some of the more substantial changes include stabilization requirements for soil berms used as sediment control; more frequent inspections including photographs during de-watering activities; photographs showing final stabilization now required for permit termination; a new definition of impervious surface which excludes recreational trails; and relaxed inspections for final stabilization when establishing wildlife-friendly vegetation.

All projects granted permit coverage before Aug. 1 may continue to operate under the previous permit for 18 months. If the project extends beyond 18 months, permittees must update their Stormwater Pollution Prevention Plan to reflect the new requirements.

ELECTRIC VEHICLE CHARGERS

Earlier this year, the State Legislature directed the Department of Labor and Industry (DLI) to create a building code standard for electric vehicle chargers for buildings with four or more housing units.

16 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023
HOUSING FIRST MINNESOTA CONTINUES TO ADVOCATE FOR HOUSING ON ALL FRONTS.
HERE ARE A FEW KEY UPDATES ON OUR WORK TO PROTECT HOUSING AND HOMEOWNERSHIP.
ADVOCACY IN ACTION

In August, the technical advisory group formed by DLI began holding meetings. The technical review is expected to last through September, and the recommendation of the panel will be forwarded to the Construction Codes Advisory Council.

RESIDENTIAL ENERGY CODE

A technical review of the residential energy code comes after an administrative law judge recommended the commissioner open rulemaking on the 2021 International Energy Conservation Code (IECC).

The technical review of the 2021 IECC will wrap shortly before the 2024 I-Codes undergo their technical reviews in advance of the 2026 code cycle. It is expected that DLI will then examine the changes in the 2024 IECC before moving on to the required durability analysis.

Due to affordability concerns, Minnesota has not adopted a new energy code since the 2012 energy code was implemented in 2014. According to RESNET, Minnesota has continued to be a leader in energy efficiency in higher-growth states even without adopting a new energy code.

LEAD RENOVATION, REPAIR AND PAINTING RULE

For more than seven years, the Minnesota Department of Health (MDH) has been working on taking local custody of the federal lead renovation, repair, and painting (RRP) rule from the Environmental Protection Association. After the State Legislature adjusted state statutes to align Minnesota State Law with the EPA requirements more closely.

The RRP rules govern the renovation of pre1978 homes where lead paint is present.

In August, MDH held a stakeholder meeting to outline recent changes to the proposal. This was the first public meeting on the rule in nearly two years.

Greg Olson, a code official with Olson Associates Consulting, has been an active participant in stakeholder meetings. Olson said there are multiple concerns from the industry over the approach taken by MDH.

“One would think it possible for the state to simply adopt the EPA’s RRP version instead of rewriting it,” said Olson.

If this specific proposal is implemented, Minnesota’s proposed RRP rule would be the one state in which the entire rule was rewritten instead of adopting the rule by reference, in whole or in part.

MDH aims to enter the final stages of rulemaking in October and have the rule implemented by April 2024.

DEMOLITION LANDFILL RULEMAKING

Due to water quality concerns, the MPCA has proposed a new rule regulating construction demolition landfills. The proposed rule says demolition landfills must be lined with leachate collection systems; be capped with an impermeable cover; have more stringent operating, location, and closure requirements; and require groundwater monitoring and financial assurance to facilitate proper closure and to mitigate potential future liabilities.

New Laws Take Effect

Over the summer, several new laws became effective in Minnesota. Here’s a quick rundown of those that impact the housing industry and associated businesses.

CONTRACTOR WAGE LIABILITY

Minnesota has enacted the Construction Worker Wage Protection Act, which establishes that a contractor entering into a construction contract assumes liability for unpaid wages, fringe benefits, and liquidated damages owed to a claimant by a subcontractor of any tier. The new law does not apply to work for which prevailing wage rates apply under statute sections 177.41 to 177.44. This law became effective Aug. 1.

NON-COMPETE AGREEMENTS

Effective July 1, new non-compete agreements between employers and employees, as well as independent contractors are banned. It does not affect already-existing non-compete agreements.

RECREATIONAL MARIJUANA

Under Minnesota’s new law legalizing recreational marijuana, individuals 21 years of age and older are allowed to possess

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 17
ADVOCACY IN ACTION

or transport in public up to 2 ounces of cannabis flower. Additionally, Minnesotans 21 and older can grow up to eight cannabis plants per residence. Consumption of cannabis products will remain prohibited in all areas not explicitly authorized by law. Many employers are working with their counsel to update their drug and alcohol testing policies.

PARENTAL LEAVE, PREGNANCY ACCOMMODATIONS, AND NURSING MOTHERS

The Minnesota Parental Leave Act (MPLA) now applies to all employers with one or more employees, and employees will be

eligible for up to 12 weeks of unpaid MPLA leave immediately upon hire. Additionally, changes for pregnant and nursing mothers now require all employers to provide accommodations to pregnant employees and time to express milk.

SICK AND SAFE TIME & PAID FAMILY LEAVE

Effective Jan. 1, 2024, Minnesota will require employers to provide paid sick and safe leave to employees who work in the state. An employee will accrue a minimum of one hour of sick and safe time for every 30 hours worked, up to a maximum of 48 hours per year.

Additionally, the new Paid Family and Medical Leave (PFML) program is in the process of being established with a rollout date of Jan. 1, 2026. All Minnesota employees will be eligible for PFML benefits if they meet the financial eligibility requirements. The maximum length of benefits is 20 weeks per year. Beginning Jan. 1, 2026, annual employer premium rates will be 0.7% for employers participating in both the family and medical benefit programs. Employers must pay at least 50% of the annual premiums with the remainder paid by employees via deduction in their wages.

18 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023 ADVOCACY IN ACTION

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Mortgage Rates Impact New Construction Activity

The housing market this year has seen noticeable shifts in activity, much of which is due to the impacts of rising mortgage rates. Last year, the Federal Reserve began making incremental interest rate hikes in an attempt to get a handle on growing inflation concerns. Consequently, mortgage rates have now more than doubled since 2020 and are currently sitting at a 20-year high.

This current level of rates is having significant impacts on the housing market from both a buyer and seller perspective. According to data from the Minneapolis Area Realtors, inventory of homes in the Twin Cities metro area was down 16% in July from the same time last year. Meanwhile, closed sales were down 21% for the same period.

Buyers are waiting to see if rates will come down, and many wouldbe sellers are reluctant to give

up their generally more favorable mortgage rates.

As the existing market falters, buyers have started to turn to new construction to fill the missing supply of homes. Builders, in response, have started to increase production. In the Twin Cities metro, homebuilders pulled permits for 446 single-family homes during July 2023, a 38% increase from 2022. Likewise, applications for mortgages on new homes were up 35% year-over-year in July, according to the Mortgage Bankers Association. In the first half of the year, builders reported an increasingly positive sentiment toward the market, according to the National Association of Homebuilders (NAHB). NAHB’s monthly survey measures builder outlooks of various market factors such as future sales expectations and potential buyer traffic.

Though the new construction sector is seeing increasing activity due to a lack of supply in the existing market, it is not unaffected by the impacts of higher mortgage rates.

“Although builders continue to remain cautiously optimistic about market conditions, the quarterpoint rise in mortgage rates over the past month is a stark reminder of the stop and start process the market will experience as the Federal Reserve nears the end of the ongoing tightening cycle,” said Robert Dietz, NAHB’s chief economist.

Builder confidence fell for the first time in July after a seven-month streak of increases. NAHB reports that although demand for housing has not waned, higher rates are making for higher monthly mortgage payments and putting pressure on what buyers can afford.

20 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023 INDUSTRY DATA
AVERAGE 30-YEAR FIXED-RATE MORTGAGE
JAN 2023 6.13 6 6.25 6.5 6.75 7 7.25 FEB 2023 6.5 MAR 2023 6.73 APR 2023 6.28 MAY 2023 6.35 JUN 2023 6.67 JUL 2023 6.96 AUG 2023 7.09 SOURCE: FREDDIE MAC
RATE

REVOLUTIONIZING

DIGITAL MARKETING IN THE HOUSING INDUSTRY WITH

AI TOOLS

The Digest BUSINESS TIPS

Life in the 21st century offers nearly unlimited access to the latest tools and programs. Artificial intelligence (AI) writing tools, social media platforms, scheduling tools, automated processes—the list goes on. For small businesses with lean teams, these tools are essential for efficiency. When digital marketing, blogs, and social media fall to the bottom of the to-do list, AI can be a powerful aid. Programs like ChatGPT, Grammarly, or DALL∙E 2 can reduce your team’s workload, save time, and increase content outputs. You just have to know how to use them and where to start!

WRITING TOOLS

Tools like ChatGPT are language processing technology that can be useful in shortform writing. By inputting commands or guided prompts, these AI tools generate ideas or write copy in a matter of seconds. ChatGPT can craft human-like social media captions, interview questions, email copy, or brief customer communications in a matter of seconds. You can even input a caption you’ve written for Facebook and ask ChatGPT to reformat for other platforms. It will tailor content to each app, using the right hashtags and keywords to maximize engagement. Since it’s created in conversation format, you can ask multiple questions in a row, ask for clarification, or provide new prompts to refine answers. While not ideal for drafting blog posts or long-form text, ChatGPT can provide creative title options, general outlines, or section titles. Instead of doing these menial tasks yourself, start with a few prompts, edit copy to your liking, and incorporate into your marketing.

There are also AI tools for writing enhancement, like Grammarly. Grammarly is a program on your computer that will analyze your writing and offer suggestions for improvement. This can be anything from spelling errors, to changes in tone, to conciseness. While you will still be writing the bulk of the content, this is a great tool to take your writing to the next level.

DESIGN TOOLS

Tome, Canva, and Adobe Firefly are specifically designed to create eyecatching visuals and organize content quickly. Whether it is for social graphics or slide decks, these AI design tools are extreme time-savers. The next time you’re set to present your work or schedule a social post, don’t spend time lingering over the design details.

SCHEDULING PLATFORMS

Platforms like Sprout, Hootsuite, and Buffer streamline social media scheduling. Instead of worrying about manually posting each day, lean on these digital tools to schedule batched content across every type of social media! They will also make your posting even easier by handling all the details of posting, like tagging other accounts or adding hashtags to posts.

CUSTOMER SERVICE BOTS

Communicating with your clients online is one of the best ways to establish relationships and credibility. However, it is impossible to be available at all hours of the day and night, and even during work hours, it is difficult to respond immediately. This is where AI customer service comes in.

AI customer service chatbots provide easy answers for clients in a personable tone. When visiting your website, clients will see a chat-box where they can ask you any questions they have. They will then receive customized AI help, leaving you to work on other projects.

A word of warning: AI tools will never be perfect, and there are currently many limitations. Responses can be repetitive or unnecessarily wordy, information may be inaccurate, and content might include mistakes. Be sure to edit all AIcrafted content, adding in any additional information or clarity where needed.

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 23 BUSINESS TIPS

STANDING OUT IN AN OVERSATURATED

MARKET

SET YOUR BRAND APART FROM THE COMPETITION

Most industries are filled with hundreds of companies doing the same thing. Creating nearly identical products, using similar marketing tactics, and targeting the same markets. The housing industry is no different.

So how do you cut through the noise to make a lasting impression? Find out what sets you apart, utilize bold and creative strategies, and keep doing what works. Let’s break that down.

CRAFT A POWERFUL & UNIQUE MARKETING APPROACH

Pick your passion points. What makes you stand out? Do you incorporate sustainable materials in every home? Are you supplying hand-painted tiles you can’t find anywhere else? Are you offering the widest selection in the state? Does your company

24 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023
BUSINESS TIPS

have a 100-year-long-legacy of family craftsmanship? Find the market, audience, or value you can align your brand with and infuse those ideas into your marketing strategy. You’ll never appeal to everybody, so find your niche and stick to it.

ASSOCIATE YOUR BRAND WITH LIFE EVENTS

Find out where your brand fits into your consumer’s life journey. The first-time homebuyers going through the exciting journey of purchasing their first home? The move-up buyer who is looking to find a home to make memories in? The recent empty-nesters who are starting a new stage of life? Find experiences you can associate your brand story with — because personal stories resonate more than blanket-statement marketing.

ESTABLISH RELEVANT PARTNERSHIPS

Tap into the influential people that align with your brand within your market. Whether it’s an influencer on social media or a trade partner with a similar market, connect with those who have aligned interests to help you reach new, relevant audiences. Since you both have similar goals, you’ll be able to boost each other’s reach and increase credibility within your market.

INNOVATE WITH FRESH IDEAS

What areas can make bold advancements to stand out? Maybe it’s with brand design — using unconventional colors, video, or photography — or within digital experiences — investing in virtual tours of every model or offering an exclusive online experience that

no one else is doing. Maybe it’s with personalization that no one knew was possible. Whatever it is, think about how your brand can become an industry leader in innovation. Use it as a selling point for your customers. Sometimes all you need is one strong reason to set you apart from your competition.

BUILD LONG-LASTING RELATIONSHIPS

Don’t underestimate the power of real, human interactions. Keep your clients engaged — before, during, and after their interactions with you. Use your network to gain referrals and return the favor in kind. Go above and beyond the competition by showing gratitude with personalized messages, housewarming gifts, or anniversary discounts. Give clients a reason to keep coming back.

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 25
BUSINESS TIPS
26 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023 BUSINESS TIPS

2024 MARKETING BUDGETS AND PARTNERSHIPS

As the seasons change, it’s time to start thinking about your 2024 marketing budget. Developing an organized and strategic budget is one of the most important steps to growing your business. Without proper planning, it can be difficult to later find the money for partnerships, media campaigns, and advertisements. Here at Housing First Minnesota, we know the perfect formula to create your next year’s marketing budget.

REVIEW YOUR GOALS

The best place to begin is by looking at company goals for the year. Your marketing budget should help you achieve those outcomes, whether that means setting up new partnerships to increase sales, or advertising in new publications to reach a more diverse audience. Go through each goal individually and ask yourself: What is the best marketing strategy to reach this goal?

LOOK AT PAST TRENDS

Dive deep into your own data and find the marketing strategies that worked — and the ones that didn’t.

Budget first for the strategies that performed well in the previous year. If you’re interested in maintaining effective partnerships or securing another ad with a reputable publication, outline those priorities in your first budget draft. Since you know how much these items typically cost, it will be easier to strategize. You could even increase funding in these areas to further invest in these relationships.

If there were campaigns that missed the mark in the previous years, consider reallocating funds or redesigning that strategy for the following year.

MIX IT UP

Don’t be afraid to do something different! Remember that the market, consumer preferences, and dominant media formats are always changing, so it’s good to mix old marketing ideas with new ones. Always leave room within your budget for innovating to see where new ideas can take you.

HOUSING FIRST MINNESOTA PARTNERSHIPS

If your company is looking for new partnerships, Housing First Minnesota has many different advertising and sponsorship opportunities available for all budgets and strategic goals. Our publications reach a variety of audiences, from builders, remodelers, and other professionals to homeowners all over Minnesota.

One opportunity to consider as you develop your marketing budget is to sponsor one of Housing First Minnesota’s many events. If you’d like to reach a massive audience across the Twin Cities, sponsoring the Parade of Homes or Artisan Home Tour may be the way to go. Housing First Minnesota prioritizes advertisements and social media campaigns for these events, so in partnering with one, you gain the same publicity and exposure connected to the event.

If you are interested in reaching an audience of professionals, consider

partnering with a member event. Housing First Minnesota is an association with nearly 1,000 members — builders, remodelers, subcontractors, suppliers, and more. At events like the Building Industry Gala (BIG) Night and the Builders and Remodelers Show (BRS), hundreds of professionals will be exposed to your brand.

ADAPT EVERY YEAR

Though it can be tempting to keep the same marketing budget year after year, you will find your marketing performance often improves with reenergized campaigns. Search for new ideas, revamp what you’ve done in the past, and be bold! Housing First Minnesota is here to help you ensure your marketing budget is the best it can be.

Check out our 2024 advertising & sponsorship booklet for all available partnership options, including print and digital advertising options and event sponsorships.

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 27
BUSINESS TIPS

Ask the

Magazine Publishing Expert

Q. How do I get my home or product featured in a magazine?

First, it’s helpful to know your goal for having the home or product featured and who the audience is of the magazine you have in mind. At Mpls.St.Paul Home & Design, we are on the hunt for local inspirational and aspirational homes; people, places, and products that reflect how people are living (or can live) their best lives in the Twin Cities. Think about how your project or product speaks to readers, then reach out to the editorial staff with a brief email to pitch your story idea. Include a few visuals (or a link to images) and a short write-up of your idea that highlights

what it is and why you think it’s a timely fit for the publication. Editors love exclusive stories, so be sure to let them know if you are able to offer that.

Q. What makes a story pitch stand out to you as an editor?

Whether it’s for the Home & Design or regional or national publications, editors want to know what’s in it for their readers. We like to pull back the curtain about how a home comes to life: What were the goals of the resident or homeowner? What challenges did the design team have to overcome? What excited you, as

the design pro, about the project in the first place? How is the story unique or different? Are there takeaways you can tick off in your pitch to the editor? Were there uber cool materials used to bring the dream to life? And since we are in the business of visuals, always include images along with your story pitch.

Q. Besides pitches, how do editors find the homes and products they feature?

Editors for all shelter magazines scour Instagram on the regular for story leads and ideas. (Often editors will check out a business, designer, or subject first on

28 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023 Q+A

Instagram and then their website.) Locally, we also regularly attend home and garden tours and retail openings, and we have long-term relationships with industry pros — from builders, architects, and designers to photographers, stylists, shop owners, and area tastemakers — who often share new projects or people to check out.

Q. How important is it to have good imagery when pitching?

For story pitches, iPhone photos work great as scouting shots to give an editor the general idea and the scope of a story. Prior to publication, most publications require professional photography. At H&D magazine, we feature a hybrid of both supplied images (which we pay

photographers to license for publication), and we commission our own photoshoots, working with national-level professional photographers and stylists.

Q. How far in advance should I be pitching to an editor?

Magazines produce stories seasonally as much as possible, so that could mean photographing a story a year prior to publication if possible (for example, we photographed locations this summer to be featured in summer 2024). Publications typically go into production — meaning assigning stories to writers, scheduling last-minute photography, and designing stories — about six weeks prior to the publication date.

ABOUT THE EXPERT

Kelly Ryan Kegans is the editor of Mpls.St.Paul Home & Design, a quarterly magazine published exclusively for subscribers. With more than 25 years of industry experience covering the shelter category, Kelly brings her expertise and enthusiasm for all things home to the Twin Cities by collaborating with creative teams who deliver awardwinning vibrant and engaging stories that inspire readers into action. In addition to her work locally, Kelly is a contributing field editor, writer, and photo stylist for national titles, including Better Homes & Gardens, HGTV Magazine, and Country Living

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 29 Q+A

Compassion Through Construction

Housing First Minnesota Foundation Project Update

Foundation breaks ground on apartment remodel for families in need

In July, the Housing First Minnesota Foundation began the final phase of construction on a project to renovate the four remaining units in an apartment building in North Minneapolis. This endeavor is the latest and final chapter in the renovation of the entire 100-year-old building.

This Family Recovery Housing community build project will provide transitional housing to women who are in AVIVO’s addiction recovery treatment program. The local nonprofit works to help individuals achieve recovery from substance addiction by providing safe housing, education resources, and other means of support.

The remodeled units will allow these women to get the help they need while being able to live with their children and families.

This latest phase of unit renovations is being completed with build partner Nor-Son Custom Builders, Inc. Since the start of this project in 2020, Mega Remodel, Cardinal Remodeling, Plekkenpol Builders, John Kraemer & Sons, Inc., and The Kingdom Builders have renovated units in the building.

“Our community build projects are a truly unique model that impact so many lives over multiple years,” said Jessica Ryan, executive director of the Housing First Minnesota Foundation. “We are grateful to be a part of such an important project for Avivo, and for the generosity of our build partners. Without them, these build projects would not be possible.”

The Family Recovery Housing is expected to be complete by the end of 2023. After completion, four families will call these apartments home for an average of 12-18 months.

30 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023
BUILDING
FUTURES

New Minneapolis home and ADU helps veterans experiencing homelessness

The Housing First Minnesota Foundation/HomeAid Twin Cities, in collaboration with build partner Lennar, proudly handed over the keys of a brand-new four-bedroom home in North Minneapolis to the Minnesota Assistance Council for Veterans (MACV) in August. The new home will help MACV in its mission to end veteran homelessness, a segment of the community that is in growing need of services.

This home is the fourth project completed by the Housing First Minnesota Foundation with partners MACV and Lennar in 2023 – the biggest endeavor accomplished by the Foundation thus far. This significant milestone marks another step forward in the mission to end veteran homelessness

and address the growing need for services within the community.

“Since 2017, this partnership has constructed over 20,000 square feet of housing for Minnesota veterans,” said Ryan. “Our unique, collaborative housing model pools together the expertise, resources, and philanthropic arm of the homebuilding industry and community funders.”

All four of these completed homes were also constructed with an accessory dwelling unit (ADU).

“This is the final step of an ambitious project — construction of four Housing for Heroes homes each with an ADU,” said Jim Fuschetto, 2023 president of the Housing First Minnesota Foun-

dation. “As this home opens for veterans to live in, we are one step closer to our goal of ending homelessness in Minnesota.”

With the completion of this project, a total of 20 new beds will be made available to veterans in need. These beds provide a safe and secure environment for veterans to rebuild their lives and regain their independence.

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 31
BUILDING FUTURES
BUILD PARTNERS NONPROFIT PARTNERS PHOTOGRAPHY PARTNER

Building Futures

Make a personal impact on homelessness by donating

We are so proud to support organizations like Avivo and MACV that are helping to build a better world. Thanks to the contributions of our donors, we are able to continue to fund our build projects that benefit communities in need of housing. We are planning more community build projects next year to continue our vision of ending homelessness in Minnesota.

BUILD PARTNER

The goal at Housing First Minnesota Foundation is to make as big of an impact on homelessness and the community as we are able. We do this through our build project partnerships, which directly serve those individuals, families, and veterans at risk or experiencing homelessness.

To be able to complete as many projects as possible, our goal is to raise as many funds as possible. We do this by hosting fundraising events, receiving grants that support our work, and, most importantly, through generous donations from people like you. As 2023 draws to a close, please consider the following options to support your Foundation and Minnesotans in need.

GIVE TO THE MAX DAY | November 16, 2023

Help support our mission to build safe housing for Minnesotans in need. Give to the Max Day is November 16. You can contribute any time between now and then to make an impact on homelessness in Minnesota.

We are looking for passionate people who are ready to make a tangible impact in the lives of those in need of housing. We are seeking partners interested in taking on the rewarding challenge of building or renovating spaces for our nonprofit community partners. Your contribution will not only provide a home for an individual or family in need, but it will also help to build a stronger, more connected community. Email Erin Milburn at Erin@HousingFirstMN.org to learn more.

YEAR-END GIVING

32 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023 BUILDING FUTURES
As you think about your personal yearend giving, please consider the Housing First Minnesota Foundation.
Giving back isn’t just something we do at Housing First MN Foundation –it’s who we are.
This new MACV home will serve as safe transitional housing for homeless veterans.
STUDIOS LEARN MORE AT HousingFirstMN.org/Donations
VHT
34 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023 MEMBER SPOTLIGHT

Health First

Highmark Building Trust understands the value of taking care of its employees. Years ago, the custom builder’s leadership team made it their mission to offer a more competitive and comprehensive health care package.

“We are constantly looking for new opportunities to serve our people,” says Nathan Carlson, project development for Highmark.

So, when Housing First Minnesota launched its Association Health Plan (AHP) at the end of 2019, opting to enroll in the memberexclusive health insurance was an easy choice.

AHPs are a category of insurance products that allow small businesses from within the same industry to obtain health care coverage as if they were a single large employer, explains Blue Cross and Blue Shield of Minnesota, Housing First Minnesota’s AHP insurance provider. Under the Affordable Care Act, companies with 50 or more employees are required to offer group health insurance. Those with fewer than 50 employees can purchase optional coverage through the Small Business Health Options Program, but it’s typically pricier than large group insurance. Accessing those large company rates for Housing First Minnesota members “was really the premise of starting this plan,” says Housing First Minnesota’s chief operating officer, Janice Meyer.

Though AHPs have existed in Minnesota for decades, a new final rule for AHPs was released by the U.S. Department of Labor in 2018, expanding the circumstances under which a group of employers can join together and form an AHP, says the Minnesota Department of Commerce.

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 35
MEMBER SPOTLIGHT
Housing First Minnesota’s Association Health Plan provides members with accessible, affordable health insurance.

When that happened, Housing First Minnesota jumped at the opportunity to create its own AHP for members. “Prior to aligning with Housing First Minnesota on the AHP, we found that gaining new employees was more difficult because of the unaffordability of health care premiums as it relates to the employee’s compensation package,” says Carlson. “After joining Housing First Minnesota’s AHP, our premiums were cut in half.”

When the new AHP rule was initially proposed, health care research firm Avalere predicted AHP premiums would be between $1,900 to $4,100 lower than the yearly premiums in the small group market and $8,700 to $10,800 lower than the yearly premiums in the individual market.

Beyond the cost savings, the AHP is beneficial for recruitment and retention, crucial for an industry plagued by labor shortages. A recent report from the National Association of Home Builders states the construction industry currently needs about 723,000 new construction workers each year to meet demand. At least 90% of single-family builders reported a shortage of carpenters, and 80% to 85% reported a shortage of subcontractors in six other trades. Further, the number of construction workers aged 25 to 54 dropped by 6% over the past seven years.

“When we’re faced with low unemployment and a workforce shortage in the industry, health insurance benefits are even more important,” says Meyer. “It was important to us as an association to provide our members and their employees with better access to health insurance that can save them money while providing great coverage.”

To enroll in the plan, you must be a member of Housing First Minnesota and participate in the practice of building or physically putting something into a home. For example, window installers, plumbers, and landscapers qualify for the AHP, while architects, insurance agents, and engineers do not.

In partnership with Blue Cross and Blue Shield of Minnesota and insurance solutions firm North Risk Partners, Housing First Minnesota boasts eight fully insured plans for members to choose from — some with lower deductibles and copays, and others with higher deductibles and health savings accounts. Each plan includes coverage for doctor visits, preventative care, hospitalization, emergency care, and outpatient care, as well as health and wellbeing benefits.

“As homebuilders, we can sign up for a couple different plans, so if an employee doesn’t like one plan, they can look into another. You can better tailor the insurance to their circumstances,” says Dennis Galligan, who was motivated to enroll his company, In-Focus Systems, in Housing First Minnesota’s AHP for the consistency of the annual insurance costs.

The AHP has been well-received by Housing First Minnesota members, as evidenced by the growing number of participants. Today, there are 53 companies — 43% builders and 57% associates — signed up for the AHP, totaling 1,100 lives.

“It’s a credit to the leadership and the rest of the staff at Housing First Minnesota. They identified this need,” says Todd Polifka, president of Custom One Homes, past president of Housing First Minnesota, and AHP advisory board member. “It’s another value add to membership. Not only does Housing First Minnesota go out and unify the housing industry, partake in lobbying and networking, and provide education and marketing, but now there’s another level of value that you get with your membership.”

TO LEARN MORE AND SEE THE FULL LIST OF REQUIREMENTS, VISIT HousingFirstMN.org/ AssociationHealthPlan

36 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023
MEMBER SPOTLIGHT

THURSDAY, NOVEMBER 9, 2023

8:00 AM-Noon

HOUSING FIRST MINNESOTA SEMINAR ROOM

2960 Centre Pointe Drive, Roseville

DETAILS & REGISTER: MNGreenPath.org/ GP-Conference

COST: $49 Housing First Minnesota Member | $59 Non-Member

Designated Green Path

Builders receive one complimentary registration

SPONSORED BY:

SCHEDULE:

8:00 AM Registration & Networking

8:30 AM Welcome & Update on Minnesota’s Green Path

8:45 AM Update on Xcel Energy & CenterPoint Energy Utility Rebates Austin Paul, ICF/High E ciency New Homes Program

9:00 AM Resilient Wall Systems

Michael Anschel, OA Design + Build Learn about claddings, rainscreens, and exterior insulation that works.

10:00 AM Live On-site with Green Building Expert

Kevin Byrnes, Arcxis

Kevin will present remotely and show examples and opportunities to improve the energy e ciency of your next home project through insulation, caulking, blower door tests, and more.

11:00 AM Panel: Simple and Sustainable Solutions to Help Create a Better Home for Your Customers and Community Moderator: Carole Gri th, McDonald Design | Build | Renovate Energy raters addressing simple, low-cost green features for homes that provide a high ROI on energy e ciency.

PANELISTS:

® DISCOVER THE LATEST IN GREEN BUILDING!
Eric Boyd, Arcxis Pat O’Malley, Building Knowledge Rick Cobbs, The Energy Network Worldwide

Make Plans Now to Exhibit at BRS 2024!

The 2023 Builders and Remodelers Show (BRS) was a success with more than 900 attendees! It was a day full of connecting with industry peers, learning at the Genius Huddles, and seeing the latest products and services the industry has to offer.

If your goal is to grow awareness, generate leads, build partnerships with current clients, network with industry colleagues, boost engagement, or a mix of the above, BRS is the place for you! Exhibiting at BRS is a great extension of your marketing – it doesn’t provide just one thing of value, it provides all the things. BRS brings purchasers and in uencers (builders, remodelers, marketers, designers, architects) together under one roof to explore your latest services and products.

February 15 , 2024

Canterbury Park Expo Center Shakopee, Minnesota

Exhibit Hours 1:00–6:00 p.m.

Questions?

Contact:

Mary Catherine Penny

651-697-7571

marycatherine@housing rstmn.org

Tom Gavaras

651-697-7592

tom@housing rstmn.org

Limited exhibit space available – don’t miss your opportunity. Book your booth today!

Exhibitor Testimonials:

“Fun and productive show! We will be back!”

Sarah Woxland, Satoree Flooring

“Great way to connect with others in the trades!”

Kathy Raph, Gotcha Covered

“We made so many new contacts and reinforced old relationships.”

Peter Miller, Kelly Enterprises, LLC

“Every attendee is a potential customer, you can’t say that about most shows.”

Russ Reger, Dem-Con Dumpsters

Attendee Testimonials:

“It was so great to be back in person, see faces that I normally only talk on the phone to and see the new or updated products. Looking forward to it again next year!”

Tony Wiener, Cardinal Homebuilders

“Enjoyed the connections and seeing some of what’s new in the industry!”

April Amys, April Star Interiors

“Great show to see new products!”

Thomas Jacobs, Lone Wolf Design & Construction

BRSmn.org

Members Only

New and longstanding members gathered at the The Lowlands in Saint Paul for our latest Members Only event. This new event series brings together members of the association for a night of networking, learning, and business growth. During happy hour, attendees were treated to drinks and small bites and were free to mingle. An influential panel including WCCO Radio’s Jason DeRusha, Mpls. St.Paul Magazine’s Kelly Ryan Kegans, and Bellmont Partners’ Kathleen Hennessey shared their expertise on how to get published and broadcast your brand.

july 26, 2023

VENUE SPONSORS

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 39 SEEN + HEARD
PHOTOGRAPHY PARTNER PHOTOS BY NORDY PHOTOGRAPHY

Housing First Minnesota Golf Open

The annual Golf Open at Majestic Oaks Golf Club was a fun-filled day with great prizes, delicious food, and exceptional company. Thank you to all our golfers and sponsors who made it a fantastic day on the green!

august 3, 2023

40 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023 SEEN + HEARD

CO-PRESENTING SPONSORS

HOLE-IN-ONE SPONSORS

STAFFED HOLE SPONSORS

BRAT SPONSORS

BEER SPONSORS

CONTEST SPONSORS

Allstar Construction

Bayer Built Woodworks, Inc.

Brush Masters, Inc.

JL Schwieters Building Supply

Marvin

Xcel Energy, MN Gas Business Dev.

DESSERT SP0NSOR

Lelch Audio Video

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 41 SEEN + HEARD
Samantha Ferrell State Farm

Building Futures Golf Classic

Participants teed off at the Foundation’s annual golf event to work on their swing, network, and help support the community build projects that are changing lives. This year, a record-breaking amount was raised. A huge thank you to all sponsors and attendees for making this possible!

september 12, 2023

42 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023 SEEN + HEARD
TRI-PRESENTING SPONSORS PHOTOS BY NORDY PHOTOGRAPHY

GAME SPONSORS

PUTTING GREEN SPONSOR

BEVERAGE SPONSOR

LONGEST DRIVE/ PUTT SPONSOR

First Bank & Trust

DESSERT SPONSOR

HOLE-IN-ONE SPONSOR

In-Focus Systems

PHOTOGRAPHY SPONSOR

BRAT SPONSOR

BEER SPONSORS

Lelch Audio Video

Scherer Bros. Lumber Co.

Suite Living Senior Care

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 43 SEEN + HEARD

Parade of Homes 75th Anniversary

The Parade of Homes only turns 75 once! As an association, we went BIG celebrating our legacy and our communities.

America’s favorite pastime

Who doesn’t love celebrating homeownership AND baseball?

The Parade of Homes sponsored two St. Paul Saints games this summer at CHS Field. We threw the first pitch, gave away prizes, and handed out guidebooks to promote the fall tours.

Launched a signature brew

Partnering with Bauhaus Brew Labs in Minneapolis, the Parade of Homes launched a home tour-inspired hazy pale ale. Ope’n Haus was named after the low-pressure, open house-style tours the Parade of Homes in known for, plus a little Midwestern flair! We hosted a launch party for our limited-edition brew at the taproom and invited the industry and the public to celebrate with us. Cheers to homeowner-sip! Ope, we meant homeownership.

Community pop-up events

Every Saturday during the tour, we hosted community pop-ups at new neighborhood developments.

Tour-goers and families joined us for morning fitness, puppy parties, coffee carts, and food trucks.

44 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023 SEEN + HEARD

ANNIVERSARY SPONSORS

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 45 SEEN + HEARD
NORDY PHOTOGRAPHY

Media

Housing for Heroes

This summer was packed full of events! Check out some photos from member-favorite events this quarter.

The Housing First Minnesota Foundation, along with build partner Lennar Minnesota and the Minnesota Assistance Council for Veterans (MACV), celebrated the completion of their latest project with a ribbon-cutting ceremony.

Parade-Loving Pups

Even our furriest of friends are excited about celebrating the Parade of Homes’ 75th anniversary.

46 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023
@sa.rah4911 Jessica Ryan @kategunderson Ricky Cheath
SEEN + HEARD
in the @HOUSINGFIRSTMN
Parade of Homes Twin Cities @julkowskiinc

A Sunny Day on the Course

This year’s Golf Open was a warm one — but that didn’t stop golfers and sponsors from having fun!

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 47
@idc_automatic Karissa Dunham SaveOn - Twin Cities @leelynconstruction James Golgart Jr @suefallsonair
SEEN + HEARD
@ohara_interiors

Member& News Announcements

Welcome to Member News, the place to learn about what’s happening in the lives of Housing First Minnesota members. We feature awards, marriages, condolences, promotions, and all sorts of other milestones.

Awards

Members Take Home Edina Mag and Lake Minnetonka Mag Awards

Congratulations to the following members for being voted the Best of 2023 by Edina Mag and Lake Minnetonka Mag. These awards are voted on members of each community to showcase the best business, service providers, and more in each city.

JOHN KRAEMER & SONS, INC.:

Best Builder of 2023 by both Edina Mag

JOHN KRAEMER & SONS, INC.:

Best Remodeler of 2023 by both Edina Mag

SOUTHVIEW DESIGNS:

Best Landscape Design Service of 2023 by Edina Mag

JOHN KRAEMER & SONS, INC.:

Best Builder of 2023 by Lake Minnetonka Mag

JOHN KRAEMER & SONS, INC.:

Best Remodeler of 2023 (tie) by Lake Minnetonka Mag

REVISION, LLC:

Best Remodeler of 2023 (tie) by Lake Minnetonka Mag

STUDIO M INTERIORS:

Best Interior Design Firm of 2023 by Lake Minnetonka Mag

MARTHA O’HARA INTERIORS:

Best Home Decor or Furniture Store of 2023 by Lake Minnetonka Mag

YARDSCAPES, INC.:

Best Landscape Design Service of 2023 by Lake Minnetonka Mag

condolences

Remembering Ryan Comer

We are remembering Ryan Comer who passed away in June. Ryan served as president and CEO of Renovation Systems and is remembered for his strong leadership skills and one-of-a-kind work ethic. He will be deeply missed by family, friends, and industry peers.

Remembering Brett Remme

Our deepest condolences to the friends and family of Brett Remme, who passed away in late July. A longtime industry advocate and former Housing First Minnesota board member, Brett served on many committees over his decades in the industry and was dedicated to bringing our industry together.

48 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023 STAYING CONNECTED
SEND YOUR ANNOUNCEMENTS TO KRISTEN@HOUSINGFIRSTMN.ORG HAVE NEWS?

New members

All American Title

Melanie Dunker

allamericantitleco.com

612-590-0943

Apex North Business Coaching

Glen Dall apexnorthcoaching.com

612-504-0129

Bellin Construction Services, LLC

Tim Bellin bellinconstruction.com

763-221-5698

Catalyst Supply Co.

Brian Alexander

612-443-4100 catalystsupplyco.com

Contract Flooring, Inc.

Tim Czyz contractflooringinc.com

612-351-8353

Cornerstone Parking

Mario Recalde

763-438-4819

Crown Cabinets

Michelle Podany crowncabinetsmn.com

952-953-2999

Davis Interiors

Jennifer Davis davisinteriorsmn.com

952-451-2384

DOLO Artisan Finishes

Jessica Mattson doloco.art

612-413-2787

Gagne Custom Homes

Richard Gagne gagnecustomhomes.com

651-319-6968

Gateway Homes

Justin Hesse gateway-homes.com

715-247-1943

Highpointe Homes

Jusin Hesse hrhhcompanies.com

715-247-2329

Hopkins Glass

Drew Engleman hopkinsglass.com

952-658-6854

KRUNCH Dumpster Compacting, Inc.

Joseph Huth krunchdumpster compacting.com

855-257-8624

LBR Partners, LLC

Belkis Cruz lbrpartners.com

612-229-8529

Lind Design Build, LLC

Joe Lind lindremodeling.com

612-900-9013

M A Sanitation Inc.

Shawn Holz masanitationmn.com

612-368-6736

MH Construction, LLC

John Nyagaka masamodernhomes.com

701-306-7264

Miele USA

Jayson Ness mieleusa.com 612-618-5861

Minneapolis Garage Builders, LLC

Joe Slavec mplsgarage.com 612-940-7849

Nassios Services, LLC

Lidia Valdivia moonstonebuilds.com 612-425-5028

Northeast Insurance Advisors

Taras Karkoc neiadvisors.com 612-314-0688

Pinnacle Family Homes, LLC

Lisa Mejia pinnaclefamilyhomes.com 612-730-8892

RE/MAX PreferredKami Gerald Kami Gerald kamigerald.com 952-457-0179

Winkler Homes, LLC Carter Winkler 612-991-1205

Woodridge Homes, LLC

David Kenneth woodridgehomesllc.com 612-741-5448

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 49
JUNE–AUGUST 2023 SEEN + HEARD JAMES JULKOWSKI, Julkowski, Inc. NICOLE ALATAR, Warners’ Stellian Appliance KRISTIN REINITZ, Admit One Home Systems ANDY MICHELS, Michels Homes NICOLE MENDOZA, Auden Street HEATHER GRIFFIS, Admit One Home Systems COURTNEY ERNSTON, Northstar Law Group, PLLC GREG FEDA, Contractors Connection Co. LOGAN HERSHEY, RBC Wealth Management JOHN KRAEMER, John Kraemer & Sons, Inc. TONY WIENER, Cardinal Homebuilders, Inc. MARK WILLIAMS, Mark D. Williams Custom Homes, Inc. JASON FABIO, Ispiri, LLC JOE FLYNN, David Weekley Homes MIKE HILLESHEIM, Creek Hill Custom Homes TRACE MILLS, OneTenTen Homes, LLC JAMIE MOLITOR, construction2style MORGAN MOLITOR, construction2style TODD POLIFKA, Custom One Homes PAIGE RADFORD, Robert Thomas Homes LIDIA VALDIVIA, Nassios Services, LLC The Champions Club is a way to recognize those members that are passionate about the association and share the good news of membership. There will be prizes for top individuals. Start referring today! Champions REFERRAL CLUB STRAIGHT 50 Points —for each warm lead: a company you’ve already personally communicated with about Housing First Minnesota membership FULL HOUSE 200 Points — for each rejoin: a company that dropped and you had a major hand in getting them to rejoin ROYAL FLUSH 300 Points — for each new member: your referral becomes a member of Housing First Minnesota HOW DO I SEND A REFERRAL? • Email Membership@ HousingFirstMN.org • Scan QR Code and fill out form As of Aug 31, 2023 (Champions Referral Club runs October-October each year)

Affinity Programs

We seek companies that thoroughly understand the building industry and provide products at rates generally not available to the public. Give these folks a chance to see what they can do for you.

SEE MORE AT HousingFirstMN.org/MemberOfferings

Product Discounts

HOMESPHERE

Learn how you can join over 2,700 builders receiving incentives and rebates from building product manufacturers. Rebates often exceed the cost of membership and it’s easily manageable!

Melissa Wolf 331-431-7433

MWolf@HomeSphere.com

SHERWIN WILLIAMS

• Competitive and customizable pricing for members

• Local quotes on wall and floor coverings, window treatments, and spray equipment

NPP

800-810-3909

CustomerService@MyNPP.com

VERIZON

Significant discounts on monthly access, smart phones, tablets and accessories. 22% discount on monthly cell phone service.

NPP

800-810-3909 CustomerService@MyNPP.com

Business Operations

ASSOCIATION HEALTH PLAN

Our Association Health Plan (AHP) helps small businesses in the residential construction market provide insurance to their employees. Fully insured by Blue Cross Blue Shield and managed by North Risk Partners, the AHP is a great way to recruit and retain employees with an average savings of 7-10% for participating companies.

Janice Meyer

651-697-7566 | Janice@HousingFirstMN.org

PROJUL

• The #1 rated construction management software solution

• Receive 20% off annual subscriptions

NPP

800-810-3909 | CustomerService@MyNPP.com

BUSINESS ESSENTIALS

• 1% of your purchase goes to Housing

First Minnesota Foundation

• Competitive & customizable pricing

• Free next-day business delivery (on most office supplies)

• Your account rep is an active Housing

First Minnesota member

Landon Quandt

763-595-5332 (o) | 612-249-4685 (c) lquandt@orderbe.com

Gas Discounts

HOLIDAY STATIONSTORES

• Special promotions for members

• Save 10 cents per gallon for the first 90 days

• Save 5 cents per gallon all the time

Don Keis

952-830-8889

FleetSales@HolidayCompanies.com

7-ELEVEN & SPEEDWAY

• Business fuel card program

• Fuel rebates up to 5 cents off per gallon at Speedway & 7-Eleven locations

• Mobile management tools

Avani Mehta

630-698-0118 | Avani.Mehta@WexInc.com

Vehicle Discounts

JEFF BELZER’S COMMERCIAL SALES

Members receive a $750 discount off any new vehicle purchased from Jeff Belzer’s. Plus, enjoy a free service loaner, free pick-up/drop-off for service work, and express commercial service.

Adam Engdahl

651-633-3500 AEngdahl@JeffBelzer.com

50 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023 MEMBER BENEFITS
We’ve brought together an array of members-only benefits that positively impact your bottom line.

Leading Supplier of Exterior Building Products

Every day, ABC Supply associates from over 800 locations nationwide dedicate themselves to making your job easier. It starts with 24/7 access to pricing and order placement with ABC Connect and ends with accurate deliveries, complete and on time, every time.

OCTOBER–DECEMBER 2023 | HOUSING FIRST MINNESOTA The Digest 51
ROOFING • SIDING • WINDOWS • TOOLS • GUTTER • ACCESSORIES • AND MORE America’s
LARGE SELECTION OF INVENTORY FLEET & SMALL BUSINESS PROGRAMS PICKUP/DELIVERY FOR SALES & SERVICE UP-FITTING EXPERTS $750 REBATE FOR HOUSING FIRST MN MEMBERS ADAM ENGDAHL 651-633-3500 ALEX BURNS 952-758-1120 ZAC OLSON 952-469-7052 OR ONLINE AT JEFFBELZERSCHEVY.COM Jeff Belzers_Q4-Dig23_placed.indd 1 8/21/23 3:19 PM
Sponsored by: More on-demand courses for Minnesota contractors than any other provider! 50 Online Courses | BUILD YOUR OWN SCHEDULE | CHOOSE YOUR COURSES | AVAILABLE ANYTIME 25+ Top Industry Expert Instructors Live Courses January-March 2024 In-Person and Online Minnesota Contractor Pre-License Exam Prep Online Course Available anytime CONTRACTORU.COM

BUILDER & REMODELER ONLINE/ON-DEMAND CONTINUING EDUCATION COURSES

The following courses are available online at any time. Many of the courses are approved for the required energy ( E) or business management strategies ( B) training. Additional courses approved for general ( G) training.

CUSTOMIZE YOUR CONTINUING EDUCATION TO MEET YOUR NEEDS AND INTERESTS!

• A Comprehensive Look at the Framing Provisions of the Minnesota Residential Code and More E

• Administrative Provisions of the Minnesota Residential Code G

• Aluminum Exterior Components with Wood-Grain Look Designed for High Performance G

• Amendments to the 2020 Minnesota Residential Building Code E

• Anatomy of a Department of Labor and Industry Investigation B

• Below the Sill G NEWLY ADDED!

• Blower Door Testing and Common Air Sealing Issues E

• Building a Better Basement E

• Building Barrier-Free Bathrooms G

• Building Blocks of Business Management B

• Building Planning Provisions of the Minnesota Residential Code G

• Code Administration, Framing and Finish Applications of the 2020 MN Residential Code E

• Customer Contracts: Protection or Sales Tool? B

• Cyber Security for Builders: What You Need to Know About Cyber Security Threats and Social Media Attacks B

• E ective Communication and Leadership B NEWLY ADDED!

• Exterior Envelope Energy Provisions of the Minnesota Residential Energy Code E

• Exterior Water-Resistive Provisions of the Minnesota Residential Code G

• Foam Plastic Insulation Provisions of the Minnesota Residential Code E

• Footings and Foundation Provisions of the Minnesota Residential Code G

• Framing Provisions for Floors, Walls, and Roofs of the Minnesota Residential Code G

• From Control Layers to High-Performance Enclosures E

• Growing Your Remodeling Business B

• Happy Trails: Retiring, Transferring, or Selling Your Construction Business B NEWLY ADDED!

• How to Deal with a Crazed Homeowner: Responding to a Homeowners’ Aggressive Threats & Tactics B

• Insulation: Why, Where, and What E

• Legally Running Your Construction Business While Limiting Personal Liability B

• Managing Cannabis on the Jobsite B COMING SOON!

• Managing Subcontractor Liability B

• Navigating the Permit Process G

• New Home Construction From Permit Application To Final Inspection E

• New Home Purchase Agreements - MN Realtors and WI Real Estate Forms B NEWLY ADDED!

• Permanent Wood Foundations: A Tested Solution for New Code Changes G

• Prevent – Construction Building Safety G

• Principles of Design, Fire and Life Safety G

• So, Tell Me About Your Problem House E

• Solving Code Related Challenges with Engineered Wood Products G

• Success or Failure: Depends on your Plan B

• The 45L Tax Credit and ENERGY STAR Certification E

• The Awesome Wall: A Better Way to Build E

• The Basics of Premanufactured Wall Panels G

• The Exterior Wall Envelope: Cavity Wall Insulation E

• The How and Why of Exterior Insulation E

• The Keys to a Net Zero Energy Home E

• The Nuts & Bolts of Business Management B

• The Top Five Misperceptions About Use of Electronic Logging Devices For Businesses B

• Transparency – Estimating in the Modern Era B

• Understanding Construction Defect Claims B

• Winning Construction Contract Terms to Stay Out of Court and Invisible to DOLI B

• Winning with Mechanics’ Liens B

25+ TOP INDUSTRY EXPERT INSTRUCTORS

INSTRUCTORS WHO ARE EXPERTS IN WHAT THEY TEACH!

Ross Anderson

Midwest Healthy Home

Michael Anschel

OA Design + Build

Bill Blinstrup

ZOTA Professional Training

Cian Chase

Paul Davis Restoration

Rick Cobbs

The Energy Network

Worldwide

Courtney Ernston

North Star Law Group, PLLC

Andy Gallio

Schluter Systems

Justin Gillette

Brown & Brown

Patrisha Garger

Minnesota Construction

Law Services, PLLC

Bill Gschwind

Minnesota Construction

Law Services, PLLC

Patrick Huelman

University of Minnesota

Bryan Huntington

Larkin Hoffman

Luke Jannicke

Hallmark Building Supplies, Inc.

Dave Johnson

SmartLam

Greg Karow Code Educational Opportunities

Peter Kulczyk

Green Code Knowledge, LLC

Frank Martin

Construction Consultants

International

Janice Meyer

Housing First Minnesota

Paul Morin

The Energy Conservatory

Shawn Nelson

New Spaces

Ron Nuttall

APA The Engineered Wood Association

Lisa Render

BASF Corporation

David Rumsey

Marsh & McLennan Agency

Nick Thomas

Fiberon

Mark Weegman

Weyerhaeuser

Stephen Yoch Felhaber Larson

Strategies Training E
for Energy Training G General Courses
B Approved for Business Management
Approved

Pick and choose the courses you want or register for a full day of education. Each January and February class date features at seven credits. Select courses are approved for energy and business management training.

Find complete course descriptions, instructor bios, outlines, and learner outcomes at ContractorU.com

CONTRACTORU.COM

COURSES APPROVED BY: ACCREDITED BY: All courses for Minnesota Contractor and Remodeler credits

Many courses for Minnesota Building O cial credits

Select live courses for Minnesota Realtor® credits

Select courses for Wisconsin contractor credits

2024 LIVE COURSES

- In person at Housing First Minnesota’s seminar facility in Roseville, MN

- Live webinar from the comfort of your home or office

Each January and February class date features at least seven credits. Select courses are approved for energy and business management strategies training. Register for the full day or just what you need!

JANUARY 16, 2024 – LIVE WEBINAR (7 CREDITS)

• Contractor’s Guide to the Minnesota Residential Code - Greg Karow, Code Educational Opportunities E

• Mastering Contracts: Your Key to Contractor Success - Bill Gschwind, Minnesota Construction Law Services B

JANUARY 17, 2024 – IN PERSON, HOUSING FIRST MINNESOTA, ROSEVILLE, MN (7 CREDITS)

• Are you Leading Your Business or Running It? - Courtney Ernston, North Star Law Group, PLLC B

• Cracking the Code: Uncovering a Path to Better Business Resilience - Michael Anschel, OA Design + Build E

• Frictionless: Using Technology to Create a Better Customer ExperienceMichael Anschel, OA Design + Build B

• Moisture Management and Eco Rain Screen Wall Systems - Nick Thomas, Fiberon G

• Thinking Tech Being Human: How to Select the Right Tech and The Role of AIMichael Anschel, OA Design + Build B

• What Contractors Need to Know About Mold and Water Damage - Cian Chase, Paul Davis Restoration G

FEBRUARY 7, 2024 – IN PERSON, HOUSING FIRST MINNESOTA, ROSEVILLE, MN (7 CREDITS)

• Contractor’s Guide to the Minnesota Residential Code - Greg Karow, Code Educational Opportunities E

• Mastering Contracts: Your Key to Contractor Success - Bill Gschwind, Minnesota Construction Law Services B

TESTIMONIALS

FEBRUARY 8, 2024 – LIVE WEBINAR (7 CREDITS)

• Cracking the Code: Uncovering a Path to Better Business Resilience - Michael Anschel, OA Design + Build B

• Frictionless: Using Technology to Create a Better Customer ExperienceMichael Anschel, OA Design + Build B

• Performance Based Energy Code Compliance - Ron Nuttall, APA The Engineered Wood Association E

• Thinking Tech Being Human: How to Select the Right Tech and The Role of AIMichael Anschel, OA Design + Build B

• What Contractors Need to Know About Mold and Water Damage - Cian Chase, Paul Davis Restoration G

• What You Need to Know Before You Transition Out of Your Business - Courtney Ernston, North Star Law Group, PLLC B

MARCH 12, 2024 – IN PERSON, HOUSING FIRST MINNESOTA, ROSEVILLE, MN (8 CREDITS)

• EPA Lead Renovator Certification Initial Course - ZOTA Professional Training G

MARCH 13, 2024 – IN PERSON, HOUSING FIRST MINNESOTA, ROSEVILLE, MN (4 CREDITS)

• EPA Lead Renovator Refresher CertificationZOTA Professional Training G

“The Contractor University website is easy to navigate through to find courses needed for continuing education. There is a variety of topics to choose from to meet the state’s standard for licensing renewal, which is appreciated.”

— Jaymey Dornbusch, Dornbusch Construction, LLC

“The courses are very easy to understand and follow along. The instructors really know their stuff. I would highly recommend them to all contractors.”

— Brian Paradis, Paradis C & R LLC

If you know of someone wanting to become a licensed Minnesota contractor, tell them about Contractor University’s Minnesota contractor pre-license online course.

“Great lessons learned in business management. I feel I received a lot of valuable info for my business skills. Well worth the price for information to help me upgrade my business.”

Aarhus

Live courses pending approval by the Minnesota Department of Labor & Industry and are subject to change. B Approved for Business Management Strategies Training E Approved for Energy Training G General Courses MN CONTRACTOR
Pre-License Exam Prep Online Course
56 The Digest HOUSING FIRST MINNESOTA OCTOBER–DECEMBER 2023 ABC Supply Co., Inc............................................................................ 51 Allstar Construction............................................................................5 Arrow Building Center...............................................Inside Front Cover Bell Bank Mortgage...........................................................................56 CenterPoint Energy............................................................................13 Cityscape Painting Contractors, Inc.....................................................5 Corporate 4 Insurance Agency, Inc......................................................15 Erosion Works...................................................................................15 Ferguson Enterprises.........................................................................19 In-Focus Systems......................................................Inside Back Cover Jeff Belzer’s....................................................................................... 51 JL Schwieters Building Supply........................................................... 21 Kowalski’s.........................................................................................56 Lampert Lumber.................................................................................1 Lyman Companies..............................................................................9 Robinson Lighting...............................................................................7 Shaw/Stewart Lumber Co.................................................................. 11 Sun Control of Minnesota..................................................................33 Synergy Products.................................................................Back Cover West Fraser........................................................................................3 Advertisers Want to advertise in the next Digest? Contact Kori Meewes Kori@HousingFirstMN.org | 612.801.9874 Brad Meewes Brad@HousingFirstMN.org | 651.269.2399
put so much thought and care into choosing every detail of your new home. Now, get the same level of control over the details of your mortgage with Bell Bank. Our dedicated in-house construction team simplifies the process from beginning to end, while you enjoy other unique options like one-time close and more. CHOOSE MORE WITH BELL. bellbankmortgage.com Bell Bank_Q3-Dig23_placed.indd 1 8/28/23 9:02 PM Kowalski's_Q4-Dig23.indd 1 9/13/23 12:28 PM
From the Ground Up, Take Charge You
St. Louis Park & South Saint Paul | infocussystems.com | (952) 929-0000
LOEWEN.COM AUTHENTIC HANDCRAFTED ENDURING James David Custom Homes | Anton Benedikt Photography Synergy-trt.com Phone: 952.224.2202 7176 Shady Oak Rd Eden Prairie, MN 55344 15620 Edgewood Drive, Suite 245 Baxter, MN 56425 By Appointment Only WINDOWS & DOORS

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