Builders Magazine by Builders Magazine

MAY - JUNE 2010

The EVOLVING World of

LENDING

An Industry Leader Shares Its Insight

ALSO IN THIS ISSUE:

Rebuilding The Building Industry Commercial Experts Lend Insight

Some things just work better when they’re here. Why go looking somewhere else for something that belongs in your own hometown? Your health insurance provider should be here for you— here to answer your questions, here to give you advice on physicians and facilities in your area, here to make life easier for you. Hometown Health is proud to serve the needs of Nevadans. Competitive rates, the largest choice of physicians, a 24-hour, 7-day-a-week nurse’s hotline, flexible plan options and exceptional customer service are just some of the great things you’ll find—right here in your own hometown.

Call your broker, contact us at 775.982.3100 or visit hometownhealth.com.

Builders M A G A Z I N E The

“The Voice of The Building Industry” VOLUME 19

NUMBER 86

PUBLISHER

PR Services, Inc. dba The Builders Magazine EDITOR

Teri Scharosch PUBLISHER’S REPRESENTATIVE

Patricia Ferguson Rachelle Goodness

GENERAL MANAGER

Patricia Ferguson ART DIRECTOR

Felix Sanchez

ELECTRONIC PAGINATION

Felix Sanchez Rachelle Goodness COPY EDITOR

Teri Scharosch STAFF WRITERS

Joe Lopez, BANN President Michael F. Dillon, Jr., BANN Teri Scharosch, BANN Bobbie Merrigan, BAC Jess Traver P.E., Director of Government Affairs CONTRIBUTING WRITERS

Patrick Hartman Tia Echeverria Desiree LeBleu Ron Cobb Tricia Darby, Esq. Liz Christoffersen Nikki Altmann ADVERTISING, PUBLISHING & EDITORIAL OFFICE

The Builders Magazine 9080 Double Diamond Pkwy, Suite A, Reno, NV 89521 Phone: (775) 355-9288 Fax: (775) 355-9488 Email: patty@thenewhomeguide.com BANN 2010 BOARD OF DIRECTORS

Joe Lopez, President Curtis Rowe, Vice President Pat Riley, Associate Vice President Bill Thomas, Secretary Treasurer John Brown Jack Byrom Jeff Codega Mike Douglas Garret Gordon Dave Hendriks John Krmpotic

Travis Means Robert Nielsen Pam Parenti Greg Peek Ray Pezonella Cloyd Phillips Curtis Rowe Steve Ryckebosch John Schroeder Joe Serpa Randy Walter

The Builders Magazine is published bi-monthly by PR Services, Inc., dba The Builders Magazine located at 9080 Double Diamond Pkwy. Suite A, Reno, Nevada 89521, bulk postage paid. The Builders Magazine is published in the interest of all segments of the building industry and is distributed to Builders Association members in Nevada, the State Contractors Board mail list and others associated with the building industry on a complimentary basis. Although every precaution is taken to ensure accuracy of published material, neither PR Services, Inc., dba The Builders Magazine nor the Builders Association of Northern Nevada accept responsibility for any statements or claims made by advertisers or authors. Suggestions, ideas, letters and columns are welcome, however, we cannot be held responsible for unsolicited contributions. Please send to: Teri Scharosch, The Builders Magazine, 9080 Double Diamond Pkwy., Suite A, Reno, Nevada 89521. All rights reserved. Reproduction in whole or part without written permission is prohibited. ©2010 PR Services, Inc., dba The Builders Magazine.

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Builders M A G A Z I N E contents The

president’smessage by Joe Lopez, President, Builders Association of Northern Nevada

MAY-JUNE 2010

Features 2 President’s Message

by Joe Lopez, President, Builders Association of Northern Nevada

3 Cover: The Evolving World of Lending: Insights On An Industry Leader 4 Ryder Homes: Bullish on Reno by Rachelle Goodness

As I See It: Nevada Census 2010

by Michael F. Dillon, Jr., Executive Director Builders Association of Northern Nevada

GIVING BACk: Giving BACk Means Saving Lives!

by Bobbie Merrigan, Executive Director, Builders Association Charity

7 Today’s Technology Comes Home by Rachelle Goodness

A Rating That Makes A Difference!

by Nikki Altmann, Better Green Building Company

8 Commercial Experts Lend Insight 10 Embracing Workplace Wellness: A Vital Business Strategy by Tia Echeverria, Health & Wellness Coordinator Hometown Health

11 Sustainability– It’s not just about building! by Lorrie Sanders, Garden Spot Nursery

Why Am I A BANN Member?

On The Mark, Getting Set– Building?

by Joy Gardner, Comstock Insurance

by Robb Cobb, Commercial Partners of Northern Nevada

Help! I Want To Buy A Fixer-Upper! by Desiree LeBleu, Loan Officer PrimeLending

Contracts: The Art Of The Deal

Loss and You: Lessons From Losses

by Tricia Darby, Esq,

by FirstComp, BANN’s Affinity Partner for Workers Compensation

Rebuilding the Building Industry by Liz Christoffersen, Empower Consulting Group

Follow the Money

BANN Aids in Lead Paint Certification Training

BANN Membership Mixer– Take It To The “Edge!”

Departments 20 Classified/Services Guide 2

THE BUILDERS MAGAZINE / MAY-JUNE 2010

A s I write this message to all of you involved with this great industry, I know that you’re feeling what I’m feeling—Spring is in the air, and Summer will soon be upon us! While

things continue to be challenging for us all, like Spring there are some glimpses of new life in the building business. Know that your Builders Association of Northern Nevada (BANN) will continue to nurture those signs of life, and will work hard to make them grow into something strong and long-lasting. The BANN Legislative Committee has been meeting weekly, interviewing candidates for public office and anticipating the impact each of them could, if elected, have on our industry. The interview process is used as an opportunity to educate these candidates as to issues of importance to us all—watch for recommendations in the future as to which candidates have a good grasp of our industry’s needs. You should all know, too, that BANN and the National Association of Home Builders were instrumental in obtaining the removal of the Merkley Amendment to the recentlypassed “health care reform bill.” Had the legislation passed with the amendment, the construction industry—and only the construction industry—would have been responsible for providing mandatory insurance coverage if a company had 5 employees or more. The worst part of the bill—all other industries were exempt if they had less than 50 employees! Meetings were conducted in BANN’s office with key members of Senator Reid’s staff, and the Senator later led the charge to have the amendment killed. Without BANN…without NAHB….without your letters and calls, this provision would have been included. The approaching Summer season also brings a host of events that help to keep BANN alive and healthy—we have the first ever joint golf tournament with our own Builders Association Charity in July: the Builders Give BACk Charity Golf Tournament, honoring Ray Pezonella. Ray’s record of public service and involvement with BANN is legendary—this worthwhile event will honor a well-deserving industry luminary. Watch for information on BANN’s family-style “putt-putt mini golf tourney” and BBQ on June 24th—it promises fun for the whole family. We’ll also be doing a twilight tourney in late summer, which will cap the season in style. It’s not too late for you to get involved in these exciting BANN activities. Give the association staff a call…you’re needed and you’re welcomed! Thanks for your support.

Joe Lopez

Tanamera Development

COVER

Home Valuation Code of Conduct low minimum DP of 3.5 percent “Streamline K” loan

MAY - JUNE 2010

The Evolving World of Lending: Insights on an Industry Leader

The EVOLVING World of

LENDING

An Industry Leader Shares Its Insight

Over the past year, there have been quite a few regulatory

changes on top of the many loan program changes that had already occurred, but many competitive financing programs remain to help prospective homeowners, and Eagle Home Mortgage is excited to offer them. FHA financing is one excellent way to purchase a new home. A low minimum down payment of 3.5 percent as well as market interest rates and low monthly mortgage insurance costs make it a great way to buy. FHA loans come in several varieties: 30year fixed, 15-year fixed, and adjustable rate. FHA also offers the “Streamline K” loan, available to upgrade and renovate homes needing cosmetic repairs up to $35,000. This special program allows homeowners to purchase a home with an FHA loan with the funds needed for repairs included in the loan. This program does not allow for any structural improvements but would allow for new flooring, paint, kitchen appliances, cabinets, etc. to increase the livability and marketability of the new home. VA loans are available to eligible veterans with today’s low interest rates and no required down payment. This is another great way to finance a home and has the additional advantage of no monthly mortgage insurance. Conventional loans are another good way to finance a home and currently require a minimum down payment of 10 percent. The interest rates may have adjustments for credit scores and down payment, but are often chosen by borrowers, particularly those who have 20 percent down payment or more and want to obtain a lower payment. Both fixed rate and adjustable rate mortgages are offered. Some of the regulatory changes merit comment since they

Eagle Home Mortgage has tripled in size so far this year! With the addition of eight loan officers and four operations staff to its existing Reno office, Eagle is more than ready to make 2010 the best ever. With Eagle’s local processing and funding, they can close loans quickly, and their experienced team of loan officers stand ready to provide superior service to builders and their buyers. affect the timing of the transaction . A new Good Faith Estimate form was implemented by the Department of Housing and Urban Development (HUD) on January 1, 2010. It was created to give borrowers what it perceived to be an easy way to compare rates and costs between lenders. It has presented challenges to lenders and title companies in closing dates, fees, and time frames. In order to prevent last minute surprises at closing, several of the estimated costs on the new Good Faith Estimate either cannot change by more than 10 percent or cannot change at all. Lenders and title companies are working hard to coordinate at the beginning of a transaction to make sure the fees match at the end of the transaction. Since the Good Faith Estimate must be sent within 3 days of a property being selected and a loan application submitted to the lender, there is often not much time to coordinate fees. The process does allow for certain changed circumstances, but if this occurs, sometimes a minimum 3-day waiting period is required before the borrower can sign closing documents and close the transaction. This process continues to be studied by HUD, so perhaps some future changes will help to eliminate the confusion we are all experiencing. Last year, the Home Valuation Code of Conduct was also implemented. This is primarily around appraisals ordered for FannieMae and FreddieMac conventional loans, and requires lenders to communicate and order appraisals through a third party. Once received, the lender is required to furnish a copy to the borrowers and obtain written confirmation of receipt. There is a 3- day waiting period after this occurs before loan documents can be signed. In some instances, a waiver by the borrowers of this 3-day waiting period can be signed, but it must be signed 3 days before closing documents are signed. Although the process is simple enough, the timing is affected, once again. Eagle Home Mortgage has worked hard to develop a loan file flow and speed up the process as much as possible with these new regulations in mind. It’s working out well! n Visit: www.BuildersMagazine.com

arrangement on other northern Nevada properties, including a project in Sparks that should open later this summer. In addition to building on some available lots in Somersett for a bank, Ryder is positioning themselves for the future with additional purchases of a distressed asset in Spanish Springs. “We’re currently looking at nearly every available lot, but there’s a great deal of competition out there,” said Ryder. “Not only are private builders looking at what’s available, so are investors.” Nevada remains a very attractive market for builders who are planning for the future. As California continues to promulgate excessive fees, affordability is proportionally impacted, resulting in more builders looking for land in northern Nevada. “The future of homebuilding in California isn’t clear. It makes more sense to build in Nevada,” stated Ryder. One factor that will allow Ryder to be able to build affordably in this challenging market is that they have been able to maintain a loyal base of subcontractors. Ryder Homes’ philosophy of paying subs and suppliers on time and treating them fairly has paid off. They maintained an appropriate building schedule, even during the boom years, and didn’t try to beat their subs down on pricing. “We know our subs and they respect us,” he points out. “That’s a two-way street though—we know their value as well.”

Outlook for the Future

Never has Nevada’s symbiotic relationship with California been more apparent than during this industry downturn. Because California is one of northern Nevada’s major feeder markets, when things get better in California, they improve here. However, the depth of this crash, compared to those of the past, portends a longer path to a viable market. The recovery we’re all seeking is most likely a year or two off. Breckenridge models alone created more than 70 to 100 jobs in the Truckee Meadows. If private builders can keep bringing money to the market, come to grips with the concept that these are different times and margins are thin, then we will see increased building and we’ll put people back to work. Ryder’s thoughts? “Financing will be back when the market is back. Jobs need to be created, which will stimulate buyer confidence, which in turn creates homebuyers. Ryder Homes will be ready.” n

As I See It by Michael F. Dillon, Jr., Executive Director Builders Association of Northern Nevada

In 2010, you have a rare and important opportunity to ensure Nevada receives its fair

share of federal funding for the next ten years. Starting in March, the 2010 census form began arriving in mailboxes throughout the country. The Builders Association of Northern Nevada is joining Secretary of State Ross Miller, Chairman of the Statewide Complete Count Committee, in encouraging you to fill out and return your census forms. It’s critical that we all participate and ensure everyone in Nevada is counted. Data collected from census results helps determine how more than $400 billion of federal funding is spent each year on state-level infrastructure and services across the country. Analysis conducted by several Nevada state offices indicates that our state will lose $917 in federal funding each year for the next ten years for each man, woman and child who is not counted during the 2010 census. In other words, we may lose nearly $10,000 over ten years for each Nevadan who is not counted. In addition, the information obtained through completed census forms will provide our industry a clear indicator of who lives in Nevada, where they live, and what type of housing and other construction will be needed for them in the future. What else does this all mean for Washoe County and Nevada? n Our community’s economic health is partially dependent on the census response rate. Businesses rely on a community’s high quality of life, including access to healthcare, an educated workforce and a safe infrastructure. The majority of federal funding that is allocated based on census data is distributed to health and human services, education and transportation sectors. These are areas that, when properly funded, help attract and retain outside businesses to our community. n Funding for organizations like the Boys and Girls Club of Truckee Meadows, the Children’s Cabinet, and others that provide needed services to Washoe County residents is affected by whether you fill out and return your census form. n Public education also benefits from your participation in the 2010 census. A high census return rate enables the Washoe County School District to be more competitive for federal funding which helps enhance our children’s learning experience in the classroom. n Nevada has an opportunity to gain an additional seat in the U.S. Congress. The 2010 census form is confidential, is only ten questions and will take about ten minutes. For more information, please visit www.nevadacensus2010.com. We may have different reasons why the census is important, but one thing is certain – we all benefit, and we all count. n

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AVOID EXPENSIVE REPAIR COSTS

Call before you dig Home improvements Planting a tree or shrub Installing a fence or deck Adding a curbside mailbox Serious building projects

CONTRACTORS & HOMEOWNERS CALL TOLL-FREE

Commercial Experts Lend Insight Western Title put it all out there at the Commercial Round Table on April 21st, held at the Builders Association of Northern Nevada Seminar Hall: if you build it, will they come? In northern Nevada, that’s definitely not the case at the present time! Acknowledged experts in this field answered numerous questions about the state of the commercial market, and it’s apparent we’ve still got a ways to go. Here’s what Mark Krueger of Grubb & Ellis, Rob Cobb of Commercial Partners of Nevada, Tom DeJong and Clint Steele, Lee & Associates, Susan Klein, Wells Fargo, Dominic Brunetti, NAI Alliance, Ken Stark, Stark & Associates, and John Dwyer, Western Title CEO and President had to say about the Reno area. How are banks able to report such massive profits during this “great recession”? John Dwyer: When things began to slide downhill, the Feds stepped in and provided instant cash to the banks. These bailout loans accomplished two things: they gave the banks the ability to loan, and they bought the loans from the FDIC at 0% interest. They then had a choice…lend it at 5-6% interest, or they could take the money and give it back to the FDIC at 3% with no risk. These deals brought cash into the market, and instead of completely crashing, we entered a sort of

THE BUILDERS MAGAZINE / MAY-JUNE 2010

Q&A “stepped down” process. Additionally, with somewhere between 1.2 and 1.9 million homeowners underwater with their homes, a number of them have chosen not to make their mortgage payments. This “Extend and Pretend” scenario has allowed some homeowners to get healthier—cash-wise— and has allowed them to avoid foreclosure, save money, and avert disaster…for the present time. This money saved is in the banks, propping up the bottom line. Where is the commercial market in Northern Nevada heading? Are we beginning to see commercial foreclosures coming online? Ken Stark: March 2010 shows that 31 commercial properties sold—but 43% of those sales were on the courthouse steps, with a majority of them being purchased with cash. No lending took place. It’s still early, but I expect to see more commercial foreclosures coming. Clint Steele: When Reno was a major construction market for builders, headquarters buildings comprised 40-50% of the commercial market. With today’s downturn, those builders and developers have turned in their keys and have opted to lease, not purchase, keeping their capital intact for future growth. I expect more declines. Mark Krueger: With regard to land, we saw the downturn begin in 2006, with land

decreasing 80-90% and housing tumbling 50%. While most of the damage has been done, I believe we’re just entering the correction period for commercial property. Do banks have money to lend today? Susan Klein: Wells Fargo has money— lots of money—available. However, borrowers must have strong guarantor support, strong tenants, and strong leases. All of this can certainly be a challenge in today’s economy. It’s not the market of yesterday. Ken Stark: We’re seeing investors playing a bigger and bigger role today. They’re looking more at the stock market rather than real estate for their investment dollars—real estate is still to “iffy” and they’ve become far more cautious. Unfortunately, these same investors are looking at Tier 1 and Tier 2 cities for their investments, not Reno. We’ve always been dependent on Northern California. When it heals, Reno will begin healing. Dominic Brunetti: I agree with Ken. Other markets, such as the Bay Area, are far more attractive to investors with their investment dollars because they perceive less risk and a better return. What’s going on with appraisals these days? Mark Krueger: Appraisers have been crucial to the lending, title and mortgage business. In 2007 through mid-2009, they literally tanked the mortgage business because they were so slow about dropping values in accordance to actual sales. In Spring ’09, it dawned on them what was happening, and they began to appraise at actual values. We’re now starting to see deals come in. Ron Cobb: Another challenge is the assessed values in the smaller counties; they’re in a real “Catch 22”—the values are assessed too high, but the counties can’t afford to reduce them because they need the tax revenue. I have a property in Nye County that is assessed at $1.3 million with a real market value of just $100,000. Also, there is some work being done to generate appraisal policies that would create a standard for appraisers. Recovery: when? Tom DeJong: For our industrial market to

recover, we need jobs. Iâ&#x20AC;&#x2122;ve been showing a number of manufacturing companies industrial properties, as theyâ&#x20AC;&#x2122;re seeking to escape from California and now Oregon, with its new tax laws. Jobs create stability and consumer confidenceâ&#x20AC;&#x201D;we need both. Ron Cobb: I believe commercial still has a ways to go. Weâ&#x20AC;&#x2122;re getting more inquiries, more requests for bids; however, some of those deals are to hold the land for 3-5 years. And once again, the investor dollars are headed to the more metro areas, not northern Nevada. Dominic Brunetti: One of my major concerns right now is our almost unbelievable commercial vacancy rate of 27%. Itâ&#x20AC;&#x2122;s going to take time to absorb that vacancy. Ken Stark: No doubt. We need a healthy California. For instance, programmer jobs will most certainly remain in the Silicon Valley. But as those businesses become healthy, theyâ&#x20AC;&#x2122;ll relocate their back offices here because itâ&#x20AC;&#x2122;s far less expensive to operate in Nevada. Those are $70K jobsâ&#x20AC;&#x201D;we need them in northern Nevada. The leases weâ&#x20AC;&#x2122;re working on today are short termâ&#x20AC;&#x201D;1 to 2 years. Landlords are just trying to get through these tough times. We all are. n

Todays Technology Cont. from page 7 Whole house lighting and shade control systems, heating and air conditioning control systems, and low-energy flat panel televisions are the most common systems that we promote and that our clients inquire about on a regular basis. All of them have features that allow homeowners to save energyâ&#x20AC;&#x201D;and moneyâ&#x20AC;&#x201C;without moneyâ&#x20AC;&#x201D;withoutsacrifying sacrificingcomfort. comfort.

(For more information on technology in the homes of today and tomorrow or for your business environment, contact Patrick Hartman at NuSystems, Inc. Serving Reno, Lake Tahoe, Carson City, Gardnerville, Minden, Sparks, Truckee,Â and Mammoth Lakes since 1982, Patrick can be reached at 775-790-4044, or by email at patrickh@ nusystems.com) nusystems.com) n

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CANstruction

Feeds Member Success! The numbers tell the tale….22,330 pounds of food. 14 teams. $734 in donations. 2,936 meals. CANstruction 2010 began at Meadowood Mall on Wednesday, March 30. There were fourteen teams competing, each of which created outstanding structures capable of feeding many. With each design being constructed of cans and boxes of non-perishable food that was donated to the Food Bank at the conclusion of the competition,

The following BANN members won CANstruction awards: Best Meal: GuiDenby Inc. and Friends: “One Can, We Can”

New this year was the opportunity for another award for “People’s Choice”. The public got their chance to vote with dollars during the three day event. Each $1 equaled one vote for their favorite structure, and since all of the money went to the Food Bank of Northern Nevada, each $1 also provides 4 meals to those who need them in our area. At the end of the people’s choice voting there were 734 votes cast and $734 donated to the Food Bank, translating into 2,936 meals! Gui Denby, Inc. and Friends with their structure, “One Can, We Can” was the winner of the people’s choice awards. Congratulations to all BANN members who participated in CANstruction 2010, whether through building a project or acting as design professionals/advisors. You truly exhibit the generosity of an entire industry! Q&D Construction, Wan Lee Cone, Boys & Girls Club: “Music is Food for the Soul” Alice Maxwell Elementary, TEAM UP: “Bull Dogs Can Stop Hunger” Design Professional - Ken Bartlett

unique learning experience. CANstruction team members learned about the work and planning that goes into building one of these interesting works of art. They also B THE BUILDERS MAGAZINE / MAY-JUNE 2010

BE PART OF IT!

learn valuable lessons about working as a team and giving back to the community. Each of the teams brought in their supplies and began to assemble their structures. The entire day was available to them. On Thursday a group of 7 jurors comprised of professionals in the area went through the structures and made their selections to win.

Honorable Mention: Q&D Construction/Boys & Girls Club of Truckee Meadows/Won Lee Cone: “Music is Food for the Soul”

more than 22,330 pounds of food to help feed the hungry in our regions will be the beneficiaries of each team’s generosity. Many of the teams had design professionals working along with students for a truly

The Innovation Generation

GuiDenby, Inc: “One Can, We Can” Design Professional - Allyson Wong SVWB Architecture: Design Professional - Brad Van Woert

E-TECHS (Entrepreneurial – Technical and Engineering Charter High School), an entrepreneurially oriented, project-based, career and technical school focused on STEM related careers was the recipient of a $10,000 donation from the Brett & Karen Coleman Foundation. The donation was intended to kick-off E-TECHS’ fundraising campaign. E-TECHS is raising funds to help offset start-up costs that include a traffic study, building repairs and other related expenses. E-TECHS will be taking over a 25,000 SF building located at 850 Baring Way in Sparks where the YMCA of the Sierras is currently located. The facility is a perfect design for E-TECHS project based model and has amenities not normally found in a charter school; a gymnasium and sports fields. As a public charter school, students attend at NO COST to their families. E-TECHS will serve students living in Reno/Sparks and surrounding communities. They are limiting their first year enrollment to 100 9th & 10th graders. E-TECHS will add 11th grade in their second year and 12th grade in their third. E-TECHS is perfect for high school students who are interested in pursuing professional careers in science, technology, engineering, business and medicine. Pre-enrollment applications can be found on their website, www.e-techsonline.org. Enrollment is on a first-come basis and students are already lining up for the unique educational opportunity. BRETT & KAREN COLEMAN challenge local businesses and other Foundations to support E-TECHS by matching their donation. (Contact Brian Wheeler, Chair of E-TECHS Advisory Council or Ricci Rodriguez-Elkins, Principal at (775) 240-5143 for more information about how you can be involved in E-TECHS.)

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Unemployed?

The purpose of a resume is to get you an interview. If you are not having success, consider hiring a professional resume writer.

If you thought it was going to be easy, it is not. It can be however, one of the most rewarding experiences of your life. The days of calling your immediate network of by Loanne Kuller co-workers to secure your next job is over. Time management, self discovery and marketing yourself are essential components of your career search.

Get out there. Marketing yourself is probably the most difficult aspect of your search. We are not trained to sell or brag about ourselves. Your best opportunities or leads are often from people you meet or know. Make a point of having breakfast, lunch or coffee with people you have worked with - vendors, employees, prior bosses and members of your community. Be clear in your meetings about what you are looking for; let them know you are available for consulting opportunities. Ask them who they might know that could assist you and ask for an introduction. Take notes, let them know you are serious. Always carry a business card with you name, phone number and email address and hand them out to everyone you meet.

Your New Full Time Job is Looking for a Job

The most dangerous thing to do when you are laid off is to do nothing. Indulge yourself for a week or two but get back to your new job, looking for a job. Create a schedule for yourself; you are now your own boss. The advantages of being laid off can be the time to explore, dream and do things you have not had a chance to do because of previous career demands. Start your day exercising. It is great a great physical relief and can provide amazing mental relief. Aside from a gym, bike riding, hiking, walking or yoga can provide a good mix for seeing things differently and getting into the mind set of dreaming. Time for you to think about you, finding that quiet space that can be difficult to create with your other life obligations. Get a career coach. We have never been trained on how to make a career move and often not in finding a job. A career coach can give you direction in transitioning into other industries which could be a very valuable component given the reality that there are more qualified people out there than there are jobs in the building industry. Having a coach has you stay focused and gives you guidance when you are stuck. A

D THE BUILDERS MAGAZINE / MAY-JUNE 2010

good career coach will help you figure out how to find a job; don’t confuse them with a recruiter. The most common mistakes I see is people do not do their homework.

• Find out the name of the person who is hiring and send your resume to them by email and postal mail. You do not want your resume going into a junk file. • Research people and companies on Google that you are interviewing with. • Find out about the company culture and be prepared to tell them how you can contribute to the company’s bottom line. • Always include a cover letter and keep your resume to not more than two pages. • Make sure your resume reflects measurable contributions and accomplishments. (Part of Builder software implementation team resulting in efficiency of invoicing and collections, increased company profits by 25%. Built 120 single family homes 1,200-2,500 sq. ft. Managed up to 4 assistant superintendents and 75 subcontractors.) • Tailor your resume to the job description. • Do not send references with your resume. References are to be presented and checked when an offer is pending. • Know what the next step in the interview process is before leaving. • Ask for a business card of everyone you meet with in the interview process. • Send a thank you note or email to everyone you meet with when interviewing. • Let people know where you end up getting a job and thank them again for their assistance. Include your new company business card.

• LinkedIn is the most professional networking website – use Facebook for personal connecting. Create a profile on www. LinkedIn.com and connect with people you know. Spend the time doing their training tutorials to learn how their system can benefit you. • Use www.Indeed.com to search all the job search engines and receive up to date job postings. • Register with industry specific recruiters www.kennedyinfo.com • Attend workshops and professional industry organizations. www.Hired2010. com – career CPR: How To Job Hunting Workshop. • Register with temporary agencies. The pay may not reflect your previous job skills but the exposure to other industries and companies can be invaluable. • Volunteer in your community to make connections (Loanne Kuller is the owner of Builders Staffing Group, a full service executive search firm for the homebuilding industry. She may be reached at 800809-6164 or loanne@buildersstaffinggroup.com)

not created equally, neither is cabinetry. There is quite a range in what is offered. Think of how you would dress for that big day in your life: for the interview for the job of your dreams or a special wedding. Do you want a suit or dress off the rack to meet a price point or are you willing to spend a little more for a tailored look that represents who you are. A prefabricated cabinet is off the rack and offers varied choices regarding wood species, door style, and limited size dictation. The actual cabinet box is prefabricated and a design is created around the specifications of a dictated size of box or drawer box. It has appeal by price point and can be created to be aesthetically appealing.

he kitchen is often the center of activity in a home from everyday function to occasional entertainment. However the kitchen is also one of the most neglected areas of the home when it comes to function and style. Remodeling a kitchen can be an exciting adventure for the homeowner and in today’s day and age of technology the homeowner can quickly educate themselves on the process. With dedication to the end result a kitchen remodel can become a tremendous success based on vision and an executed plan.

Another option is a “factory made” cabinet. Though the description of “factory made” can throw you off, don’t be fooled. Factory Made cabinets are tailored to you. They offer a wide availability of flexibility allowing you to dictate the overall sizes. The size of your cabinet box and their function is extremely important in your overall project. These cabinets range from semi-custom with

Not all kitchen remodels are created equally. Here is a quick abbreviated questionnaire to get started on your project. Does my current layout function for the way I cook and entertain? Do my appliances and flooring need to be updated? What counter top surface do I find myself attracted to? What is the overall atmosphere I am trying to create? With the answers to these questions you can decide if you need a Designer for a total overhaul and/or a Contractor for electrical issues and moving of current walls and other issues. This type of project is more extensive and time consuming. On the other hand if the current layout functions well but needs updating as well as a more function in the cabinetry with atheistic appeal then this project is a bit simpler and easier on the budget. In the decision process it is always a benefit for the out come if you dream! Dream by visiting model homes and making notes of what you like and dislike. Purchase Kitchen and Bath magazines to help create the visual picture you are trying to achieve. If you don’t know where to begin hire a professional that can assist you and direct you. Go to the knowledge. Paying a little upfront can be a big payoff on the end side, as a kitchen remodel is a major purchase you will live with for some time and theconsequence of your choices needs to bring you confidence, comfort and joy.

When selecting cabinetry acquaint yourself with what is offered on the market. As all kitchen remodels are

limited flexibility to fully custom with complete flexibility down to custom finish colors. The objective here is to maximize your space with function and aesethetics with out breaking the bank. A “factory made” cabinet is not built until the design is furnished.

The third option is to go fully custom from the beginning of your project. This is similar to the “factory made” cabinet with flexibility being optimal and choices unlimited. Having a local company design and create your project can be an exhilarating. As with any home improvement project it can seem a bit overwhelming on the front side. Take some comfort in knowing if you do your homework and enlist the help of a professional your project will be a success. Remember to get competitive bids and compare apples to apples as much as possible. If one bid seems to high or to low, don’t be afraid to ask questions. When selecting a designer or contractor personality compatibility is the key. Interview and ask for references and to see work that has been completed. Reference the NKBA and always use licensed contractor. Surround yourself with the best team that will see your vision from design to completion. After all you deserve the best while when transforming your house to a home. (For additional information on CR Woodwork contact Suzi or Ron Lunt at (775) 359 2929 or at www.CRWoodworks.com) Visit: www.BuildersMagazine.com

JNC Development:

Planning the Perfect Remodel

No doubt—Jay Barkl of JNC Development has heard it before. “Our home has the perfect view, but…” or “We love where we live, but our kids have moved out and….” or “We need a master bath (or a new kitchen or an office)…” Or maybe it’s just a case of “Our house is tired and needs a facelift.” JNC Development is, in a sense, the “plastic surgeon” of remodeling projects. Specializing in home remodeling, Jay and the JNC team believes that it is their job to help homeowners clarify their thoughts, expand on their dreams, express their creativity, and then “actualize” it all into a beautiful, functional, and affordable reality. One size doesn’t fit all. JNC Development has found that the method that works best for them and their clients is Design/Build. In essence, JNC functions as a combination of residential designer, space planner, interior decorator, and general contractor. They have found that by giving their clients one point of contact during their project saves them time and provides them peace of mind. With less to worry about, clients tend to discover an inner creativity—and the courage to express it.

one bathroom simply isn’t cutting it, and they want that extra “water closet” near the home’s hub. They’re tired of bumping into each other as one prepares dinner at the kitchen sink, and the another reaches into the refrigerator for a cold beverage. In this way, many have already completed Step 1. Step 1: Decision to remodel. Potential clients have weighed the pros and cons of improving their home. They’ve written down—or at least discussed—the positives and the negatives. The positives outweigh the negatives, and they call a remodeler. Step 2: Scope of the project. Some

clients are good at this step. Others need a hand from a professional. Step 2 involves separating wishes from wants from needs. It requires a listing of all of the improvements they hope to make, and a prioritization of them. Step 3: Initial planning—and the budget. Here’s where many homeowners can use a hand. Oftentimes, the scope of their project exceeds the amount of money they have for the improvements. A professional can help them to determine ways to save on their remodel, point out other possible materials, or suggest ways to “phase” the construction.

Remodeling ABCs. Sometimes homeowners who are contemplating a remodeling project have discovered that they’ve actually completed a great deal of planning before they even contact a remodeler. They’ve found that F THE BUILDERS MAGAZINE / MAY-JUNE 2010

Step 4: Revisions to plans. At this point, the remodeling professional translates the client’s ideas into a format that can be understood by others. They focus on the design and the budget simultaneously so that neither is compromised. Step 5: Community approval. Here is where a remodeling professional is worth

his weight in gold. Many larger projects will need approval from planning, engineering, and permitting departments. Even more challenging at times is approvals need from a homeowners’ association. This process is not for the faint at heart! Step 6: Fixtures and finishes. While the homeowner may have an idea of what he wants his finished remodeling project to look like, it is the professional that assists with selecting brands, models, functions, finishes, textures, fabrics, colors and coordination o the finished project. The dream is beginning to come alive! Step 7: Construction schedule. Since a portion of the client’s home may not be habitable during construction, this is the time that they can coordinate a mini-vacation with their remodeling contractor! Seriously, a detailed construction schedule will shorten construction time and lessen frustration. Step 8: Construction. Everything has been planned down to the most minute detail—now its time to implement the plan! This extensive planning process has helped to eliminate unforeseen problems and results in a higher quality finished product. Step 9: Post-construction. A true remodeling professional’s job doesn’t end when the project is completed. They remain in contact with the client to assure that everything is operating correctly and functioning flawlessly. JNC calls this the “holistic approach to construction.” All parts are equally important to the whole. (JNC Development’s mission—to help clients actualize their dreams….from the concept to the key—has proven to be a successful formula during a challenging market. Winners of numerous BANN-ER Awards for construction excellence, JNC continues to create satisfied clients throughout northern Nevada. Contact JNC Development at 775324-1881 and discover how to improve your American dream.)

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H THE BUILDERS MAGAZINE / MAY-JUNE 2010

Who will win the race to be Number 1?

Public builders in Nevada include Lennar and D.R. Horton, both of whom are expected to maintain a large presence in this area. Lennar, with over 325+ lots in Dayton and the Truckee Meadows, will probably surge to the top position right out of the gate. D.R. Horton, with 235 lots in the Truckee Meadow, will remain an industry leader as well, coupling affordability with energy efficiency—a hallmark of their product. The race to the top among private builders is still too close to call. Ryder Homes is debuting a new home community called Breckenridge, which will be built using a “fee build” concept on 108 lots. Plans for an additional 144 homes in Spanish Springs, Northwest Reno, and Sparks, a portion of which are also fee build products, promises some affordable communities as well. Tim Lewis continues to have a great deal of success since its takeover of 78 lots in Mt. Rose Estates, a reworked product that is well-accepted by the Reno market. Artisan Homes/United Communities, a “resurrected” Reynen & Bardis organization, is anticipating a great deal of success with 77 homes in Dayton and 22 lots in the Upper Highlands. A joint venture project, Great Basin Land’s Stoneridge community, has plans to build on 96 lots. In an effort to strike while there is a demand for an affordable product, joint venture building is expected to be utilized by a number of builders seeking to bypass the tighter lending conditions now being experienced nationwide. Riata Village in Pioneer Meadows in Wingfield Springs was purchased by Sterling Communities, a Sacremento-based builder expanding into the Northern Nevada market. The project presently includes 19 homes, 72 finished lots, and 72 final map lots. While the outcome of the race is still to be determined, one thing is certain: the community at large will be watching these builders closely to ensure that they are keeping a check on product and pricing. They will be expected—no, they will be required—to invest in our greater community outside of the industry. They will be the shapers of our future.

Help! BEFORE

AFTER

I Want To Buy A Fixer-Upper! by Desiree LeBleu, Loan Officer PrimeLending

In today’s economic environment, many who sell homes are finding that their

clients are interested in purchasing a resale home—particularly one that seems to be a great bargain due to a foreclosure or a short sale. Only one problem…. oftentimes, these homes need some repairs. Sometimes, extensive repairs. Time’s are tight. How can a potential homebuyer both purchase a home and have enough money to repair it? When a homebuyer wants to purchase a home in need of repair or modernization, the homebuyer usually has to obtain financing first to purchase the dwelling. Then they need additional financing to do the rehabilitation, and finally, a permanent mortgage when the work is completed. In cases like these, the FHA 203K Home Purchase and Renovation program, which was designed to address cases like these, might be the answer. The borrower secures a 30-year fixed rate to finance both the acquisition and the rehabilitation. The 203K requires a minimum of 3.5% down. Buyers today often tend to be first time homeowners with little money to put down, and they usually don’t have the funds to take a fixer upper and renovate it. Many of the homes being foreclosed upon have been stripped of their amenities and will not meet the FHA minimum property standards required to get an FHA loan. Let’s face it—we all know that we need to work through this foreclosed inventory in order to put new home building (and sales!) back on the front burner. A 203K Renovation Loan can be used to repair major items on a home—including foundations—as well as roofs, kitchen and bath remodels, upgrades to heating and air conditioning systems, energy efficiency improvements, landscaping and exterior repairs. With the 203K program, the home purchaser can do all the required repairs and roll the cost into the loan. A potential home buyer is able to purchase a home in the neighborhood they desire, create the home of their dreams, and take one more home off the market—an admirable goal in re-building our industry in Northern Nevada! (Desiree LeBleu is a Loan Officer with PrimeLending, a PlainsCapital Company. A 203K program specialist, Desiree can be reached at her Reno, Nevada office at 6900 South McCarran Blvd, Suite 2020, by phone at 775-448-9577, or by email at dlebleu@primelending.com) n

(Ron Cobb is founding member of s aa founding Commercial Partners of Nevada, LLC, and currently serves as the firm’s Managing Principal. Formerly with CB Richard Ellis, where he established the Land Services Group in 2004, Ron has brokered the sale of over $200 million in real estate since that time. With significant experience in both the public and private sector, he is an acknowledged expert in all phases of development, as well as construction and brokerage. Contact Ron at Commercial Partners of Nevada at 775-329-4000 or via email at ron@commercialpartnersnev.com) n Visit: www.BuildersMagazine.com

Loss Control and You: Lessons From Losses

BANN Affinity Partners Save Members Money!

Medical Insurance. Offered through Hometown Health, association members can save money through the power of our group—more than 10,000 strong! For more information, visit www.hometownhealth.com or call (775) 982-3100.

by FirstComp, BANN’s Affinity Partner for Workers Compensation

Loss: A 54 year old, 250 pound HVAC worker was working on a ladder measuring a piece of duct work. While he was 9 feet up, a rivet broke and the ladder twisted causing him to fall on his co-worker who was attempting to steady the ladder. Both sustained serious injuries with one employee fracturing both legs and left confined to a wheelchair and daily assistance. The employee also suffers loss of cell growth resulting in amputation to one leg as well as a knee replacement to use the other. Aside from the extensive pain and suffering endured by both injured workers, this claim has reached over $500,000 in costs.

Lesson:

n Before Before each each use, inspect parts inspect ladders laddersfor forcracked crackedororbroken broken parts such as such as rungs, steps, rails, locking components. rungs, steps, sideside rails, feetfeet andand locking components. that it is to support. n Do Do not not apply applymore moreweight weightononthe theladder ladder that it designed is designed to support. n Rungs shall be capable of supporting a single concentrated load of 250 pounds applied in the middle of the step or rung. n Rungs must be so shaped that an employee’s foot cannot slide off and must be slide resistant. n The area around the top and bottom of the ladder must be kept clear. n When ascending or descending ladder,the theuser usershall shallface facethe theladder. ladder. decending aaladder, CFR n Use only ladders that comply with OSHA design standards (29 29 CFR 1926.1053(a)(1). 1926.1053(a)(1). (FirstComp is the Workers Affinity Partner Partner for for the (FirstComp is Workers Compensation Compensation Affinity the Builders Builders Association of Northern Nevada. Nevada. By offering an insured product at a discount for BANN members, FirstComp can not only save you money, but unlike some self-insured programs, you you will will not not be be responsible responsible for for losses lossesincurred incured by other self-insured programs, group participants participants who may not have the same dedication to safety that you do. For more more information informationononthe theBANN BANN program, contact your insurance broker program, contact your insurance broker and and askafor a BANN/FirstComp program Youalso cancall alsothe call the BANN ask for BANN/FirstComp program quote.quote. You can BANN office office at 775-329-4611.) n at 775-329-4611.)

Cafeteria / Section 125 Plans. The Builders has partnered with JD Benefit Services to offer significant discounts for our members on Section 125 Tax Savings Plans and Supplemental Benefit Plans. Call (775) 337-1175 for more information. Warranty Program. 2-10 Home Buyers Warranty provides a variety of solutions for home builders through an insurancebacked 10 yar structural warranty that helps define the builder’s legal liability. Contact Patricia Raymer at (916) 365-6192 for more information.

M A G A Z I N E Advertising Solutions. Access the most powerful, successful & influential business people in No. Nevada. Your message reaches top business executives, industry leaders and elected officials at the national, state, and local governments. For more information, call (775) 355-9288 or visit www.BuildersMagazine.com

Todays Technology Comes Home Continued from page 7 ter Green Building Company has had positive feedback from clients utlilizing the energy audit process. Energy audits allow homeowners to make their home more livable and comfortable, and has provided a steady supply of work for our company. Educating homeowners on what they can do to improve their homes, receive tax credits, and live healthier, more sustainable lives is a rewarding goal. They’ve found that by implementing the recommendations that came out of the audit results in homes that are more livable and

easier to sell. A future homeowner can possibly qualify for an Energy Efficient Mortgage or an Energy Improvement Mortgage, both of which are new lending products. And let’s face it—if we can save money and improve our environment, we all win! (Better Green Building Company, based in Reno, Nevada, is a one-stop solution center for energy efficiency and sustainable construction. If you are interested in learning more contact Darrin Indart at 775-852-7887 ext.36, or e-mail info@betterbuildingcompanycom.) n

Workers Compensation. Available to association members only, First Comp can provide qualified companies with significant savings on their Worker’s Compensation. Call (888) 500-3344 for more information.

Corporate Wellness. The Gold’s Gym Corporate Membership Program is our partnership with businesses across the country to answer the call for a comprehensive, cost-effective employee wellness program. Designed by top fitness professionals, our program can be customized to meet the needs of your company and your employees to maximize health benefits AND cost savings. (775) 853-7373

Visit: www.BuildersMagazine.com

Online Mapping System Is A Game Changer for Builders List of Builders Pain Points: NOL tax relief, wetlands and other waters, property inventories, EPA-WaterSense Program, Threatened or Endangered Species, Storm Water Regulations, Clean Air, Climate Change, Banking, Cash Flow?

CorpsJD has your pain relief! Now, with CorpsJD - your land development and legal issues such as wetlands, property inventories and, in most cases T&E, can come off the list! CorpsJD is an online software service that allows you to conduct the science that used to take ‘experts’. With CorpsJD, the tedium is out and science is in! CorpsJD, currently being utilized by scientists, can save up to 50% of the field time and 80% of the office time. What could your team do with that time and cost savings?

GIS GPS-capable, CorpsJD is an online wetland delineation mapping and reporting software service with other environmental applications. With CorpsJD corporate accounts, all your offices have access to files, enabling you to file share with anyone, anytime, anywhere there’s an internet connection. Creating property maps and conducting analysis on the fly, you can also monitor environmental compliance, land development and legal issues. Instantly evaluate wetlands, soils, and floodplains - all at the click of a mouse! Evaluate potential habitat for listed, threatened and endangered species. Upload your own data and GIS layers. Even with no previous GIS or mapping background, you can complete the GIS map by simply drawing the property shape file, with our easy to use Map Editor, using full color Bing Maps. For more information on CorpsJD, contact:

7Q10, Inc. (775) 828-1991 ~ info@7Q10.com www.corpsjd.com

CorpsJD

companies as possible, who then must “ransom” their way out of the lawsuit. The result is that most subcontractors are either unable or unwilling to avail themselves of the opportunity to repair provided by Chapter 40—subcontractors cannot repair a defect that doesn’t exist. They are also reluctant to make repairs that are needed because they cannot get a release and end the lawsuit. And, unfortunately, doing a repair still subjects the subcontractor to plaintiff’s attorney fees and costs and raises issues related to warranties and the statute of repose. In response to hours of testimony on these questionable practices, the Senate Judiciary Committee narrowed the definition of a construction defect in SB 349. Section 1 would, if enacted, have provided “that a constructional defect is a defect: (1) which presents an unreasonable risk of injury to a person or property; or (2) which violates the law, unless the workmanship exceeds the standards set forth in any applicable codes and ordinances, which causes physical damages and which is not completed in a good and workmanlike manner (NRS 40.615).” It is important to note that the Senate Judiciary Committee also addressed the statutes of repose for construction defects in SB 337. The time to bring a lawsuit on a patent defect (a defect easily identified with inspection) would have been reduced from 6 years to 3 years; the time to bring a lawsuit on a latent defect (a defect not easily identified) would have been shortened from

BANN

Committees & Councils Safety and Training Committee Charged with developing programs that benefit members’ businesses and the need to emphasize a safe working environment, this committee also provides resources for training programs and regulatory compliance. Meets: Bi-monthly, 2nd Thursday at 7:00 am Staff Liaison: Jess Traver jesst@thebuilders.com

Energy & Conservation/Built Green Nevada Addresses the growing interest in green building and water conservation. Monitors and reviews other similar programs created and adopted in other states, particularly those with similar climate zones. Meets: 1st Monday of each month at 12 pm Staff Liaison: Jess Traver jesst@thebuilders.com Chair: Robb Wong, Guidenby Codes/Infrastructure & Planning Monitors and oversees technical aspects of home construction. Reviews local land use, infrastructure and planning issues impacting development and construction. Monitors all 3 local building jurisdictions in Washoe County, as well as other agencies that impact the industry (TMWA, TRPA, RTC, Health Department). Meets: 2nd Monday of each month at 12 pm Staff Liaison: Jess Traver jesst@thebuilders.com Chair: John Krmpotic, KLS Planning Legislative Committee Keeps abreast of issues at state and federal levels that affect the construction industry. Reviews and takes action on bill drafts that affect our industry. Interviews candidates for public office at local and state levels. Meets: Tuesdays at 7:30 am or as called by Chair

8 years to 3 years; and, the time to bring a lawsuit on a known defect would have been shortened from 10 years to 3 years. Combined with the Chapter 40 entitlements, the lengthy statutes of repose have caused nearly every admitted insurance carrier to stop issuing builders and subcontractors coverage for construction defects. Others have increased their premiums to the extent that rates are prohibitive. During the just concluded 75th session of the Nevada State Legislature, both SB 337 and SB 349 passed out of the Senate by a nearly unanimous vote. The Assembly Judiciary Committee, however, refused to hear either bill. (Chapter 40 was originally intended to allow homeowners to receive prompt repair of real defects. Instead, it has become a process that has little to do with helping homeowners. The Coalition for Fairness in Construction is seeking support for their efforts during the upcoming Legislative as it seeks to bring common sense to the definition of a construction defect, provide a means of recovery for attorney fees and costs in the same fashion of other Nevada litigation, and allows a reasonable time frame for bringing construction defect complaints. For more information, contact the Builders Association of Northern Nevada at 775-329-4611) (The white paper is a position paper for the Coalition for Fairness in Construction. Coalition for Fairness in Construction is a statewide represented association comprised of builders, subcontractors, developers, realtors and construction related businesses in commercial and residential building. Founded in 1999, the Coalition for Fairness in Construction unites the construction community to address the liability insurance crisis facing Nevada.) n Staff Liaison: Jess Traver jesst@thebuilders.com Chair: Greg Peek, ERGS Membership Committee Works to recruit new members, retain current members, and develop member benefit programs. Events include Membership Drive, and General Membership Meetings. Meets: 1st Wednesday of each month at 12:00 pm Staff Liaison: Patty Ferguson patty@thebuilders.com Chair: Michael Ellis, Reno Truss Spike Club Recognizes and rewards association members who recruit new members. Members achieve Spike status by recruiting 6 new members to the association. Spike Club members act as official ambassadors to new association members. Meets: 1st Wednesday of each month at 12:00 pm Staff Liaison: Patty Ferguson patty@thebuilders.com Chair: Ray Pezonella, Pezonella Associates Public Relations/Sales & Marketing Council Provides a forum for the exchange of ideas and educational opportunities for sales and marketing professionals. Considers public relations campaigns and industry promotional opportunities. Major events include Forecast and Beyond and the annual BANN-ER Awards. Meets: 1st Thursday of each month at 8:00 am Staff Liaison: Missy Hinton missy@thebuilders.com Chair: Rachelle Goodness, The Builders Magazine Remodelers Council A new addition to the association, the council is an organization of remodelers and industry associates dedicated to the promotion of excellence and professionalism through education, certification and service to the community. Meets: Third Monday of each month at 12 pm Staff liaison: Jess Traver, jesst@thebuilders.com Chair: Tony Abreu, ASA Construction

BANN Aids in Lead Paint Certification Training Lead Paint Training— It’s hands on!

Sal Viviano…our resident ghost

Joey Bechtold (L) “seals the deal” for Bill Dietz

Graduating class of April 24th: Rear-David Amptman, Clayton Yon, Joey Bechtold, Jake Knox, Brandon Gregory, Dennis Schlumpf, Michael Schlumpf, Steve Gregory. Front-Missy Evenson, Nick Tolotti, Bill Dietz, Sal Viviano

A s the federally-mandated date for Lead Paint Renovator certification training approaches, the Builders Association of Northern Nevada, in partnership with Truckee Meadows Community College, has helped to certify dozens of remodelers, painters, HVAC subcontractors, window installers and others who may fall under the purview of the EPA regulation. The certification is required of anyone working on pre-1978 houses where children may be present, and requires preconstruction notifications, testing, and mitigation procedures to prevent lead paint poisoning. The regulation, which went into effect on April 22, 2010, applies nationwide. BANN’s latest certification class included owners and employees from a number of member and non-member companies, including Community Services Agency, Dennis L. Schlumpf & Associates, Performance Painting, Accurate Painting and RPM Electric. For more information on the Lead Based Paint Certified Renovator Training or for a schedule of upcoming certification classes, contact Teri Scharosch at BANN at 775-329-4611 or visit www.thebuilders.com. n Visit: www.BuildersMagazine.com

Sue Barry Home Loans Manager

Lori Wright Mortgage Loan Officer

Sheryl Christenson Mortgage Loan Officer

Todd Bonnet Mortgage Loan Officer

Amy Waddell Mortgage Loan Officer

sue.barry@bankofamerica.com

lori.wright@bankofamerica.com

(775) 843-9983

(775) 750-1147

sheryl.christenson@bankofamerica.com

Debbie Secord Mortgage Loan Officer

todd.bonnetl@bankofamerica.com

amy.waddell@bankofamerica.com

(775) 827-5545

(775) 772-6571

(775) 250-6223

Jeff Pogol Mortgage Loan Officer

Gary Beverage Mortgage Loan Officer

Kay Miller Mortgage Loan Officer

Donna Blackmore Mortgage Loan Officer

debra.secord@bankofamerica.com

jeff.pogol@bankofamerica.com

(775) 742-2841

gary.beverage@bankofamerica.com

kay.miller@bankofamerica.com

donna.blackmore@bankofamerica.com

(775) 250-0000

Jenny Giusti Mortgage Loan Officer

Kris Collins Mortgage Loan Officer

jenny.giusti@bankofamerica.com

(775) 722-5490

kristie.l.collins@bankofamerica.com

(530) 448-6044

(775) 230-5263

Manny Delgadillo Mortgage Loan Officer manuel2.delgadillo@bankofamerica.com

(775) 338-8523

(775) 379-9586

(775) 772-0680

Rob McFadden Mortgage Loan Officer

Patti Hopson Mortgage Loan Officer

robert.mcfadden@bankofamerica.com

patti.hopson@bankofamerica.com

(775) 750-7608

(775) 338-0792

An exceptional neighborhood deserves exceptional service When you call Bank of America, you can rest assued that our top priority is providing personal service so you can make well-informed home financing decisions. We offer a variety of mortgage solutions for qualified buyers. From the beginning, we will work closely with you to make sure the process is as efficient and convenient as possible. If you are planning to purchase or refinance, you can experience exceptional service right in the neighborhood. Contact one of our mortgage loan officers today. Reno Office

4875 Kietzke Ln, Ste D Reno, NV 89509 (775) 827-5545

Bank of America, N. A., Member FDIC Equal Housing Lender ÂŠ 2009 Bank of America Corporation. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. 00-62-0122D 04-2009 AR70163

Reno Sierra Rose Branch

695 Sierra Rose Dr Reno, NV 89511 (775) 770-2800

Tahoe Office

405 N. Lake Blvd, Ste 205 Tahoe City, CA 96145 (530) 581-6780

Home Loans

Sparks Branch

4850 Vista Blvd. Ste. 104 Sparks, NV 89436 (775) 770-2900

Carson Office

1013 S. Carson St Carson, NV 89701 (775) 888-6290