H B OME UILDERS A SSOCIATION NEWSBRIEF The Official Newsletter of the Home Builders Association of Greater Southwest IL To promote, educate and advocate for the Residential Building & Remodeling Industry; providing resources that benefit industry professionals and consumers in the communities we serve. March 2018 issue www.hbaswil.org First row left to right: Suzie Quinton, HBA Director of Member Services & Events, Beth Jacob 1st Vice President, Jacob Family Enterprises, Sue Schultz - Sandberg Phoenix & von Gontard, Michelle Null – Benchmark Title, Mindy Shafer – Wells Fargo Home Mortgage Second row left to right: Jason Huelsmann – New Tradition Homes, Josh McDermott - J.T. McDermott Remodeling Contractors, Joe Knox – Copious Technologies, Jeff Schmidt - RLP Development, Chris Matteo President – Fulford Homes, Mark Fulford – Fulford Construction, Jerry Yaekel – Yaekel & Associates, Barbara Markham – RE/MAX Preferred – The Markham Network, David Padgett Immediate Past President – Padgett Building & Remodeling, Coy Mullenix - CMI Construction Third row left to right: Jon Edler - Henges Interiors, Mark Vogt – Vogt Builders, Ryan Butler - Remington Properties, Mike Rathgeb – Spencer Homes, Art Stumpf – AUTCOhome Appliances, Tracy Butler – HBA Executive Officer, Aaron Klemme 2nd Vice President- Klemme Construction, Joel Keel – Custom Floors & More, Ron Padgett – Padgett Building & Remodeling, Ken Diel - Kerber, Eck & Braeckel, John Snapat – Fulford Home Remodeling, Robb Treat – Fairway Independent Mortgage Corp., Bill Ward - HBAI Executive Vice President, Steve Macaluso - Halloran Construction Not Present: Robert Dee Jr.,– Homes by Deesign and Jason Klein – Ameren Illinois The first event of 2018 had many HBA members and family joining the Installation & Industry Awards Banquet. The evening began with the PAC Government Official Reception that included Congressmen, State Senators, State Representatives and Mayors. Every entry into the Remodeler of Distinction Award was shown in a video presentation during dinner for all to view the amazing transformations. Recognition was brought to the PWB Council as well as Jon Edler with Henges Interiors for awards won at the recent International Builder Show. 2017 President, David Padgett presented the Presidential Citations and thanked everyone for their support of our industry and appreciation for keeping the HBA strong. The Lifetime Achievement award is the main surprise of the evening for one deserving member - Mark Fulford! Then onto the Installation of our officers and finally, the moment everyone was waiting for, the Installation of our 2018 President, Chris Matteo. We are grateful to all those that continue to support the HBA and look forward to keeping members involved, informed and proud to be part of the only local residential building industry trade association. Inside this edition you will find more event details and plenty of pictures to enjoy.
Government Official Reception Pre–Party Event 2
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Installation Banquet The emcee for the evening Beth Jacob with Jacob Family Enterprises is shown above welcoming our attendees, thanking our sponsors and introducing our special guests. Our 2017 President David Padgett with Padgett Building & Remodeling recapped his year with examples of how the HBA is there for you, learning opportunities the HBA provides and how the HBA helps our elected officials make building friendly choices. “One of the most satisfying things about being a part of this organization is seeing how often the HBA is there for its members and the community to help”. As a token of our appreciation for his outstanding year David received his Presidential Plaque provided by Benchmark Title Company to retire his gavel on along with his official NAHB Past President pin. Remodelers of Distinction Award Winners Basement Renovation - J.T. McDermott Remodeling Contractors Bathroom Renovation - Fulford Home Remodeling Exterior Renovation - Butler Home Improvement Historic Renovation - Drake Construction Judge’s Choice Addition Renovation - Padgett Building & Remodeling Director’s Choice Whole House Renovation -J.T. McDermott Remodeling Contractors President’s Choice Kitchen Renovation - Fulford Home Remodeling 4 Structural / Waterproofing Renovation - Helitech Waterproofing & Foundation Repair Whole House Renovation - Padgett Building & Remodeling
Shore Fishing at Edwardsville Gun Club 4104 Staunton Rd., Edwardsville - (618) 656-2875 Bring your own live bait and tackle! $50 Team Entry (two persons/kids welcome) Includes: Dinner, Drinks and Friendly Competition 12:00 pm - Registration 1:00 pm - Drop your line 4:00 pm - Reel it in 5:00 pm - Awards Winner Categories: Total Team Weight $100 hourly Prizes for Biggest Size: Bass, Catfish, Bluegill, Crappie Sponsored by: Rod & Reel Raffle ($250 value) 1 ticket for $10 or 3 for $25 limited # of tickets sold ~ Winner does not need to present to win Sponsorships to lure you! Beverage & Snack Cart Sponsor........$ 250.00 Signage on carts (3 opportunities) Exclusive Prize Sponsor......$ 200.00 Plaques with your logo to winners Bait & Hook Sponsor……..........$ 50.00 Signage at the lake Registration: complete the following information and return it to the HBA office (please print) ___$ 50 Team of two ___$ 250 Beverage & Cart Sponsor ___$ 200 Exclusive Prize Sponsor ___$ 50 Bait & Hook Sponsor ___1 Raffle ticket for $10 ___3 Raffle ticket for $25 $ _______TOTAL DUE Method of Payment: ___Member Invoice ___Check ___Visa/MasterCard* *credit card payments will include an additional 4% convenience fee Credit Card# ___________________________________ Expiration: ______ Signature: ___________________ Company Name: ________________________________________________________________________________ Contact Name: _______________________________ Phone#/Email: __________________________________ Fisherman one (1) ______________________________ Fisherman two (2) ________________________________ HBA Policy: Registration for the Fishing Tournament is considered confirmation of your participation and will be invoiced if cancellation is not made within 3 days of the event. 5 Home Builders Association of Greater Southwest Illinois 6100 West Main St., Maryville, IL 62062 Office: (618) 343-6331 - Fax: (618)343-6335 www.hbaswil.org ~ Email: hba@hbaswil.org
2018 International Builder Show Awards 2017 Professional Women in Building Council Chair - Cherity Freeze received the following awards during the recent NAHB PWB Awards & Installation of Officers Luncheon: Outstanding Innovative Program Outstanding Legislative and Political Action Program Council of the Year (second year in a row) Along with these awards the council also received $1,000 to put towards their scholarship fund! The NAHB Remodelers created a new award called the One to Watch. It honors a remodeler member under the age of 40 who is an advocate for the remodeling industry, engages with peers , and has embedded themselves as exceptional members of their communities. It is an honor that our very own Jon Edler with Henges Interiors won this award! Congratulations on this award and thank you for all your work and dedication to the industry and for our organization. The Mary Schmitt Award for Outstanding Industry Service Congratulations and thank you for your continued support! RECOGNITION OF your willingness to step forward and take on additional responsibilities during difficult times. IN APPRECIATION OF your dedication and commitment to moving the association forward in a positive way. IN GRATITUDE FOR your response to the needs of our industry with an outstanding attitude and efficiency that has established a professional standard for all. Left to Right: Andrea West with Fulford Homes, Brad Spaulding receiving award for Steve Dill with SLD Enterprises and Sue Schultz with Sandberg Phoenix & von Gontard WITH THE ADMIRATION OF your peers who praise your performance and involvement on multiple committees, Councils, volunteering and participation at events. Lifetime Achievement Award The Lifetime Achievement Award was presented to Mark Fulford for his many years of hard work , dedication to the industry, community and the HBA! Here are just a few of his remarkable achievements: Developed and sole builder in over 18 subdivisions constructing well over 1,500 homes. Numerous apartment complexes, custom homes and several retail establishments. President of HBAI and twice for our local HBA Created a home remodeling division which has remodeled thousands of homes. Thank you to our Lifetime Achievement Award plaque sponsor Benchmark Title & Co. 6
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Bang for your Buck Opportunities Friday, May 18th 2018 8:00 am Registration NILO FARMS 15025 IL-111, Brighton, IL (618) 466-0613 “One of our Nations finest hunting & shooting facilities” $105 each registration “loaded” with: 100 Rounds of Sporting Clays, Ammo, Drinks, Lunch and Friendly Competition (Protective eye wear required) Snack/Soda Cart Sponsor………....…….$250 Signage & opportunity to meet with all shooters Awards & Contest Sponsor……....…….$250 Logo on awards & run contests to meet shooters Score Sheet Sponsor…………….......…..$150 Logo on all score sheets Station Sponsor…………….….…….. …..$100 Company Name on signage at a station Gun Raffle ($1,000+ value)….…….. …..$20-$50 1 ticket for $20 or 3 for $50 ~ limited # of tickets sold or $750 cash for the non-shooting enthusiast Winchester Super - X3, 3.5” Max 5 Camo Sponsored by Winner does not need to be present to win Registration: complete the following information and return it to the HBA office (please print) ___ $105 per Sport Clay Shooter ___ $250 Snack/Soda Station (3 ONLY) ___ $250 Award & Contest Sponsor ___ $150 Score Sheet Sponsor ___ $100 Station Sponsor ___ 1 Raffle Ticket for $20 ___ 3 Raffle Tickets for $50 ALL SPONSORS welcome to “man their stations” and will receive 1 comp lunch. Contact the HBA to make arrangements Company Name: _______________________________________ Contact Name: _______________________________________ Phone#/Email: _________________________________________ Number of Shooters (circle one) 1 2 3 4 5 6 Shirt Sizes __ S __ M __ L __ XL __ XXL __ XXXL (Deadline to guarantee T-Shirt, size must be received by May 1st!) TOTAL DUE $ _______________ Method of Payment: ___Member Invoice ___Check ___Visa/MasterCard* *credit card payments will include an additional 4% convenience fee Credit Card# _________________________________________________ Expiration: ______ Signature: _________________________________ HBA Policy: Registration for the Sport Clay Shoot is considered confirmation of your participation and will be invoiced if cancellation is not made within 3 days of the event. Home Builders Association of Greater Southwest Illinois 6100 West Main St., Maryville, IL 62062 Office: (618) 343-6331 - Fax: (618)343-6335 www.hbaswil.org ~ Email: hba@hbaswil.org 9
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Installation Banquet The final ceremony, Installation of the 2018 President, was performed by Mark Fulford to have all witness the oath and commitment of Chris Matteo as our incoming President. Chris received the President’s Gavel, provided by Benchmark Title Company, along with the official NAHB Local President Pin. Chris’ incoming speech discussed one of the most important things to the HBA - Membership! Membership has many meanings - it can be business connections, staying current on industry challenges, opportunities, comradery etc. Overall the HBA is here to improve our businesses and the lives of everyone we work with. Members mean everything to the HBA, they would not exist without members, their knowledge, service, time, expertise, connections and so on. If every member would recruit just one member we would not only double in size but think about the influence we would have on our industry, on our state and most importantly on our businesses. “I believe in the HBA and what it stands for and how it helps all of our businesses and our great industry. Our HBA is one of the largest locals in the state and has one of the highest retention rates of its members. We need to challenge ourselves in what can the HBA do for us and what can we do to enhance the influence of the HBA and therefore our industry as a whole” 2018 HBA President - Chris Matteo Special thank you to everyone who helped and contributed to making this wonderful evening possible! 11
2017 LOCAL NEW HOME START PERMIT REPORTS Madison County, IL Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YTD Totals 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 56 59 91 70 90 67 73 54 59 40 45 31 40 61 66 61 40 59 92 51 38 33 14 9 32 25 42 39 39 33 42 34 30 18 29 35 42 34 31 31 31 45 25 29 11 13 26 33 27 33 29 31 20 19 16 14 10 32 27 15 26 20 58 26 22 30 21 24 24 29 23 31 39 37 34 86 15 11 11 16 67 21 11 22 15 27 27 15 10 21 36 32 38 33 35 37 32 25 29 14 19 29 30 40 27 24 25 34 28 14 11 24 28 22 21 19 19 17 32 18 27 34 17 20 21 14 20 18 14 16 10 27 738 589 359 371 272 300 381 257 344 294 265 Monroe County, IL Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YTD Totals 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 21 17 28 25 27 20 22 19 13 23 10 13 10 9 14 11 3 7 10 9 11 11 9 13 15 12 6 13 13 9 14 11 7 8 5 7 7 6 8 8 14 10 2 6 14 13 12 8 12 8 6 11 10 9 7 8 16 10 12 10 8 9 9 16 10 5 9 18 12 9 6 9 8 10 9 5 9 9 10 12 7 13 11 18 10 7 5 7 4 7 8 10 7 16 7 12 8 8 11 11 16 12 17 7 12 5 8 10 18 15 15 10 12 12 11 9 11 10 12 9 21 4 5 3 9 3 5 6 9 8 7 7 229 126 97 130 92 106 120 112 127 138 122 St. Clair County, IL Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YTD Totals 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 93 87 129 98 115 100 90 80 66 70 51 63 60 49 47 76 55 48 40 38 59 23 17 30 38 50 52 62 53 66 38 40 42 50 49 78 86 51 45 65 67 58 42 34 26 41 43 44 52 51 41 43 41 40 27 27 30 47 40 33 46 35 42 27 29 32 30 30 39 40 40 45 30 21 26 31 23 34 24 33 25 49 46 34 33 37 35 23 28 15 42 38 27 34 34 39 34 38 18 32 30 44 30 40 37 27 46 41 29 40 32 27 39 38 29 37 16 22 21 23 28 49 40 55 47 25 26 32 17 24 22 29 1028 598 543 672 474 414 387 390 371 418 341 Top Municipalities YTD: 108 = Unincorporated 50 = Troy 31 = Edwardsville 23 = Highland 22 = Maryville Top Municipalities YTD: 44 = Columbia 43 = Waterloo 35 = Unincorporated Top Municipalities YTD: 119 = O'Fallon 73 = Unincorporated 48 = Shiloh 31 = Belleville 30 = Mascoutah MarketGraphics provides the HBA with these permit reports. MarketGraphics offers many other housing and subdivision analysis reports. Contact them today to see how that can be of service to you directly. Joe Zanola zanola@zanolaco.com 314.918.7200 www.zanolaco.com 12
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HBA Members took advantage of our Congressmen being in the district to talk about current issues (on the next page) facing our industry. Both Congressmen are very supportive of our industry and have proven so with their Defender of Housing awards they were given last year. There were many insightful moments that each shared about the other topics going on at our nations capitol. We were also honored to present both Congressmen with contributions that were provided by our NAHB Build PAC. From left to right: Mark Fulford with Fulford Construction, Steve Macaluso with Halloran Construction, Chris Matteo with Fulford Homes, Dave Tanzyus - Congressman Bost staff, Chuck Daily with Providence Bank, Tracy Butler with HBA, Congressman Bost, Jeff Schmidt with RP Lumber and Mark Vogt with Vogt Construction. From left to right: Kevin Wrigley with Fusion Realty, Mark Vogt with Vogt Construction, Mark Fulford with Fulford Construction, Steve Wilke with Wilke Window & Door, David Padgett with Padgett Building & Remodeling, Tracy Butler with HBA, Congressman Shimkus and Chris Matteo with Fulford Homes. NAHB Achieves Important Advocacy Successes! Providing value to members is NAHB's primary mission. The association's advocacy efforts throughout 2017, along with select other member benefits, will provide members with a value of $9.44 billion or $7,500 per housing start in 2018. In 2017, the advocacy team leveraged NAHB's power to get pro -housing measures passed in Congress, ensure that tax reform legislation acknowledged the importance of housing and the needs of small businesses, and challenge regulations that do more harm than good. The association also provided numerous other benefits to members, including discounts on products and services. Read NAHB's detailed analysis of savings due to the association's advocacy victories in 2017 as well as select other programs 14
Current Policy Issues At any given time federal regulations are working on dozens of rules that can have significant impacts on the viability and costs of housing projects around the country. This section looks at just four of those issues—housing finance, resiliency, regulatory reform and tax policy - with an overview of the challenge and proposed solutions that could benefit small businesses and consumers alike. Excessive Regulations Congress must reassert meaningful oversight authority over, and ultimately fix, our broken regulatory rulemaking system. Any overhaul must acknowledge the disproportionate compliance burden small businesses face. On average, almost 25% of the cost of a new singlefamily home is due to government regulation - close to $50k Reasonable regulations are essential to protecting health and safety. However, many regulations are imposed by unelected bureaucrats who establish laws far beyond Congress’ original intent. Federal support is particularly important in continuing the availability of the affordable 30-year, fixed rate mortgage that has helped millions of American families to build wealth and financial security through homeownership. Housing Finance Congress needs to move legislation to establish a new secondary market system for conventional mortgages with a limited, well-defined federal government backstop for catastrophic circumstances. Almost 10 years after the Great Recession, the nation’s housing market remains far below its potential. The unsettled housing finance system contributes greatly to the problem. The key to an effective secondary system for conventional mortgages is a limited federal backstop for catastrophic circumstances. Leaving government-supported mortgage loans as the only option for qualified buyers. Federal support is particularly important in continuing the availability of the affordable 30-year, fixed rate mortgage that has helped millions of American families to build wealth and financial security through homeownership. Tax Policy Congress must ensure that mortgage interest deduction remains a meaningful homeownership incentive for middle-class households, and also that the production of affordable rental housing continues under the Low Income Housing Tax Credit. While the new law maintains the mortgage interest deduction, it reduces the number of households that will claim the deduction. This will affect home prices, potentially harming millions of American families. Also important are tax credit programs that encourage production of housing for low and moderate income households. Federal Resiliency Requirements Measures to ensure resilience in communities infrastructure and buildings must be practical, cost effective and based on sound science. Such efforts should be coordinated between various levels of government, communities and businesses to prevent conflicting or duplicative requirements. An unusual number of significant Natural disasters in recent years and concerns over climate change have prompted consideration of resilience at every level of government. Resilience plans, policies and programs will significantly affect how and where new homes and communities are built and greatly influence how cities and existing structures are re-engineered, rebuilt and/or remodeled. Retrofitting and improving the existing housing stock and commercial inventory should be a priority. Newer homes and businesses constructed to more updated code requirements have proven to be more resilient in recent disasters. State and local communities should have the flexibility to adopt codes that address their resiliency priorities. 15
The Fed’s Interest Rate Plan At the start of 2017, the Federal Reserve anticipated raising interest rates three times and shrinking its large bond portfolio. Unlike in 2015 and 2016, where the forecasts made by the Fed were overly optimistic, the 2017 forecast was spot on. Whether officials at the central bank can pull off a repeat performance of three rate hikes in 2018 will very much depend on two conflicting signals from the two variables that matter most to the Fed: employment and inflation. Solid job gains have pushed the unemployment rate to just 4.1% in January, a 17-year low. If the unemployment rate drops as much in 2018 as it did in 2017 -- a 0.7 percentage point decline – it would be at a low last seen in the late 1960s. Yet inflation, despite some recent rumblings to the contrary, remains stubbornly soft. Excluding volatile food and energy, the core inflation rate is just 1.5% -quite a distance from the Fed’s 2% target, despite the very low unemployment rate. Initially, some at the Fed thought the low inflation rate was due to unusual one-off events such as declines in the price of cell phone service, cars, prescription drugs, and surprisingly weak healthcare and higher education inflation. However, as the inflation weakness has persisted, some Fed officials are beginning to rethink, at least slightly, the belief that employers bid up wages as workers grow increasingly scarce. That said, they still fundamentally believe that once the unemployment rate falls low enough, wages will rise. It’s just taking longer than in the past for this to take place. At this point, there are several scenarios that can play out. Ideally, employment growth slows a bit; the unemployment rate falls a bit more but 16 not much; wage inflation starts to rise; and overall economy-wide inflation strengthens. This would allow the Fed to continue raising rates slowly and not surprise markets. There are, however, several risks to this Goldilocks outcome. The unemployment rate could drop too low too fast and in the process, ignite inflationary pressures of all sorts. This would force the Fed to raise rates quickly, potentially triggering a recession. Alternatively, inflation stays low as the Fed slowly raises rates because the unemployment rate keeps falling. In this case, inflation is pushed even lower, forcing the Fed to stop raising rates. In this scenario, the Fed would have little room to lower rates when the next recession comes, as they would stop raising rates earlier than they would have liked. Luckily, inflation seems to be finally appearing, and this will allow new Fed Chair Powell to raise rates in 2018 at a measured pace like former Fed Chair Yellen. But, as was the case in 2015 and 2016, unforeseen circumstances are likely to necessitate deviations from the preferred path. I, for one, wish Powell luck, but strongly suspect that the economy will be slightly stronger, and that inflation will rise faster than expected, necessitating four interest rate rises -- one more than the Fed currently expects. No matter what happens, 2018 will be bumpier than the economically serene and placid 2017. Elliot Eisenberg, Ph.D., President GraphsandLaughs, LLC Email: Elliot@graphsandlaughs.net His daily 70 word economics and policy blog can be seen at www.econ70.com
February Renewed Members Cecil Management Group, Inc. Halloran Construction Kitchen Craft Market Place Magazine McCullough’s Flooring Enterprise Quality Installation Providence Bank Professional Women in Building Council Benchmark Title Company First national Bank of Waterloo Fulford Homes (2) Garrett E. & Herschel E. Johnson RE & Dev. Jacob Sunroom & Exteriors RP Lumber Wells Fargo Mark’s Appliance Mark Bradley 218 1st Avenue Edwardsville, IL 62025 Phone: (618) 656-9600 Cell: (618) 781-2251 Email: mark@marksappliance.com Website: www.marksappliance.com Troy / Maryville / St. Jacob / Marine Chamber of Commerce Dawn Mushill 647 E US Hwy 40 Troy, IL 62294 Phone: (618) 667-8769 Cell: (618) 667-8759 Email: dawn@troymaryvillecoc.com Website: www.troymaryvillecoc.com 17 February 2018 New Members Authorized Appliance Dan Haverstick 1650 N. Warson Road St. Louis, MO 63132 Phone: (314) 429-0972 Cell: (314) 681-4383 Email: dan@authorizedstl.com Website: www.authorizedstl.com Collins & Sons Flooring America Lynn Collins 2431 N. Illinois St. Swansea, IL 62226 Phone: (618) 234-2915 Cell: (630) 886-5693 Email: lynn@collinsfloors.com Website: www.collinsfloors.com Edwardsville | Glen Carbon Chamber of Commerce Desiree Bennyhoff 1 North Research Dr. Edwardsville, Il 62025 Phone: (618) 656-7600 Cell: (618) 267-6991 Email: ceo@edglenchamber.com Website: www.troymaryvillecoc.com McDar Drywall, Inc Curt Darling 340 Sleeping Indian Freeburg, IL 62243 Phone / Cell: (618) 918-8076 Email: mcdardrywall@yahoo.com
Visit nahb.org/ma to view complete list of member advantages 18
2018 HBA Home Show Corporate Sponsors OFFICERS President, Chris Matteo - Fulford Homes, LLC 1st Vice President, Beth Jacob - Jacob Family Enterprises 2nd Vice President, Aaron Klemme - Klemme Construction Southwest Illinois Housing Advancement Fund 2018 Home Builders Association Platinum Annual Sponsors Secretary, Jerry Yaekel, Jr. - Yaekel & Associates, Inc. Treasurer, Ken Diel - Kerber, Eck & Braeckel, LLP Immediate Past President, Dave Padgett - Padgett Building & Remodeling Co., Inc. DIRECTORS Jason Klein - Ameren Illinois Art Stumpf- AUTCOhome Appliances Michelle Null - Benchmark Title Company Coy Mullenix - CMI Construction Joe Knox - Copious Technologies Joel Keel - Custom Floors & More Robb Treat - Fairway Independent Mortgage Corp. Mark Fulford - Fulford Construction 2018 HBA Gold Annual Sponsors 2018 HBA Silver Annual Sponsors John Snapat, CAPS, CGR - Fulford Home Remodeling Steve Macaluso - Halloran Construction Jon Edler - Henges Interiors Robert Dee Jr. - Homes by Deesign Josh McDermott - J.T. McDermott Remodeling Contractors Jason Huelsmann - New Tradition Homes Ron Padgett - Padgett Building & Remodeling Barbara Markham - RE/MAX Preferred, The Markham Network Ryan Butler - Remington Properties Jeff Schmidt - RLP Development Sue Schultz - Sandberg Phoenix & von Gontard P.C. Mike Rathgeb - Spencer Homes Mark Vogt - Vogt Builders, Inc. 2018 HBA Bronze Annual Sponsors ADVISORY DIRECTORS Chris Jones - C.A. Jones Garrett Johnson - Garrett E. & Herschel E. Johnson R.E. & Dev. Scott Jacob - Jacob Sunroom & Exteriors Bruce Riedel - RLP Development Associate Vice President, Mindy Shafer - Wells Fargo Home Mortgage
6100 West Main Street Maryville, IL 62062-6688 Office (618) 343-6331 Fax: (618) 343-6335 Email: hba@hbaswil.org WWW.HBASWIL.ORG
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