Lincoln Business Builder July 2012

July 2012 Published monthly by the Home Builders Association of Lincoln Volume 49 No. 7

The LINCOLN BUSINESS BUILDER

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Find the Frog!Details on page 4.

What you need to know about current legislation and how it is effecting you! (Page 12)

Plus, a closer look into the Lead Paint Rule! (Page 13)

2012 NAHB Legislative Day

www.nebtitleco.com

Featuring Chuck PfenningBusiness Development

W W W . n e b t i t l e c o . c o m 866.816.3180

Trustworthy Experienced Accurate Motivated Market Leaders

nebraska title company Powerhouse Residential Staff

Chuck PfenningBusiness Development

“Chuck has years of experience and his knowledge, expertise and integrity are an asset to Nebraska Title Company as well as our customers. He has the natural ability to make home buyers feel at ease when making one of the biggest investments in their life.” Patrick Lutz, CEO, and General Counsel

Favorite part of your job? Helping first time home buyers at their closing, seeing the joy and excitement on their faces.

Recent Book you finished? The Lions Game

How will your business change in the next year? Our industry will rely less and less on paper and move into paperless closings.

How I got into the business? I was a real estate broker in the late 70’s and was asked to help out a local title company by doing closings for them. As they say; “the rest is history”.

About my family; wife Rita, daughter Angie and son-in-law, Ben. New granddaughter Stella Grace.

One thing that makes your company different? Our Company was founded on service and accuracy. With our long time employees, we have the foundation and experience to handle all real estate transactions, and we choose to keep ourselves independent.

3 Lincoln Business Builder

President’s Message

President’s Message

Dan Klein, Sr., HBAL President

Home Builders Association of Lincoln6100 S. 58th Street, Suite C, Lincoln, NE 68516

(402) 423-4225 phone • (402) 423-4251 faxwww.hbal.org • [email protected]

The Lincoln Business Builder is published 12 times per year by the Home Builders Association of Lincoln, 6100 S. 58th Street, Suite C, Lincoln,

NE 68516. The Lincoln Business Builder is mailed to all members of the HBAL.

The Home Builders Association does not accept responsibility for or endorse any statements or claims made by advertisers or authors of any

articles.

The annual subscription rate is included with your membership dues.

Mike Benker Publisher Jennie Korth Editor, Photographer, Design

HBAL StaffKayla Harrison, Jennie Korth & Ashley Murphy

Executive CommitteeDan Klein, Sr., President

Mike Rezac, President Elect

Mike Kinning, 1st Vice President

Perry Haralson, 2nd Vice President

Dan Walker, Secretary

Bob Bryant, Treasurer

Lois Hartzell, GMB, CSP, Immediate Past President

Mike Benker, Executive Vice President

Board of DirectorsJeff Bielenberg, Eric Hoke, Ken Inness, CGP,Justin Johnson, Matt Kleinschmit, Jo Lewis, Mike May, Lori Pippitt, CKD, CGR, CAPS,

Gary Reese, Herb Reese, CGR, CAPS, Lance Roach, Ken Svoboda

Remodelers CouncilMolly Johnson

National DirectorsSteve Fulton, CGP

Justin Johnson

Mike Rezac

Lois Hartzell, GMB, CSP, Alternate

Mike Kinning, Alternate

Dan Klein, Sr., Alternate

National Life DirectorsJim Christo, CGR, CGB, Joe Hampton,

Duane Helmink, John Hoppe, Jr., Ward Fred Hoppe, Joe McKee, Robert Peterson, J. Greg Schwinn, Bob Stephens, Jerry Witthuhn

Past PresidentsAllen Barber, Mike Benker, Jerry Boyce,

Mike Goings, CGP, CSP, Rick Krueger, Dan Kubr, Donn Mann, Sam Manzitto,

Roger Reynolds, CGR, CAPS, Dick Robison, Greg Shinaut, CGP, Ken Westerhold

July 2012Vol. 49, No. 7

ContentsPresident’s Message 3Upcoming Events 4Remodelers Council Golf Tournament 5Spike Party 6Pruning Punch Lists 7Lincoln Children’s Museum: Under Construction 8Vacation Time - Timeshare, Vacation Home or Craigslist 9Student Loan Debt and Lower Home Values 11HBAL Business Update 12-13HBAL Golf Tournament 14-17HBAL’s The Big Catch 18-19New Members 20Cancellations 20Directory Changes 20 Renewals 20Jobsite Safety Handbook 22Made in America Challenge 23Parade of Homes 24-25Building Permits 26

“Considering the price they may

pay, but doing it with the outlook of a greater good and future. Pay it

forward!”

Pay it ForwardHave you ever been encouraged, helped or uplifted by someone? Have you ever noted the even bigger picture of the benefit or privilege of being given the gift or Freedom, Family and safety? I was reminded of these while attending the NAHB Spring Board in Washington, D.C., surrounded by the beauty of the architecture and the center of our government. I walked freely and without fear, ate good food in a variety of places and met people with a common purpose to make life better for others. I have been able to enjoy all these experiences because others chose to do what was good and right for our country and passed that along to the future. I am continually amazed by our country!

I was solemnly reminded of the bigger picture of living in the United States of America as I walked around, sat and pondered the price that was paid by those for whom the World War II Memorial was built lest we forget. What a sacrifice!

The Capitol, the Library of Congress, the Supreme Court, the Washington Monument, the Lincoln Memorial, the power of thinking, writing, doing and being. All of this while considering the price they may pay, but doing it with the outlook of a greater good and future. What a vision!

What is in your hand, in your spirit, in the memory of your appreciation?

Pay it forward to those you know and those you may never meet again. Pay it forward to a child who could not pay you back tomorrow. Pay it forward to the elderly or the disabled that need a smile inside. Pay it forward to invest in the future just to make it a better, nicer place to be with people who have been blessed. Pay it forward. What a gift!


July 27 Fall Parade of Homes Final Deadline

July 20 Fall Parade of Homes Early Bird Deadline

Upcoming Events

Calendar of Events

Find the Frog!Find this guy in the Lincoln Business Builder and be the third person to call the HBAL office (402-423-4225) with his location and your meal at the

next General Membership Meeting is on us!

Only one call per member company will be allowed. Note that once you win, you are not eligible for 12 months. If there is not

a third caller, the prize will not be awarded.

We didn’t have a third caller for the month of May! Don’t forget to call the HBAL office with the location of the frog for your chance to win a free meal at the

next General Membership Meeting!

Aug. 16Board of DirectorsHBAL Office • 6100 S. 58th Street, Ste. C 10:30 a.m.

Aug. 16HOMEPACHBAL Office • 6100 S. 58th Street, Ste. C 9:45 a.m.

Aug. 3Remodelers Council Golf TournamentWilderness Ridge Golf Course8:30 a.m. Shotgun Start • $65 per person

Aug. 9Spike Party at RibfestPershing Center • 226 Centennial Mall South Lincoln, NE 68508 • Call HBAL to reserve seat 402-423-4225

Lincoln Home Builders Care Foundation

Sporting Clay ShootFriday, October 26, 2012

Oak Creek Sporting Club2890 “W” Road 3 miles east and 1-1/8

miles south of Brainard, or 2 miles north of Loma.

Sponsorships are available.Call the HBAL office at 402-423-4225 for more information.

Take Me Out to the Ballgame

A Night at the SaltdogsMonday, August 6, 2012

Lincoln Saltdogs vs.

Wichita Wingnuts First Pitch is at 7:05 p.m.

Look for more information about these events in future issues of the Lincoln Business Builder.

Mark Your Calendar!

Aug. 6Night at the SaltdogsHaymarket Park6:00 p.m. Picnic • 7:05 p.m. First Pitch

Save the Date!

2013 Nebraska Builder Home & Garden Show

February 7-10, 2013Lancaster Event Center

Watch the mail this summer for your exhibitor contract!


Remodelers Council Golf Tournament

Remodelers Council Scholarship Golf Tournament Registration

Sponsorship!!! If you are interested in sponsoring a hole or contributing to the Scholarship Golf Tournament, call the HBAL office at 402-423-4225. The cost to sponsor a hole is $100. All sponsors will be listed in the Lincoln Business Builder and a sign will be posted at the golf tournament.

To sign up, you may fax (402-423-4251) or mail this form to HBAL…or call (402-423-4225).

Lincoln Home Builders Care Foundation Scholarship Golf Tournament

• Check-in: 7:30 - 8:15• The tournament format is 18 holes, 4-person

scramble.• Shotgun start.• Tournament is limited to 36 foursomes.• Hamburgers & hot dogs will be served all day.

Friday, August 3, 2012 promises to be another day of fun, friendship and competition. Please join us for the 20th Annual Remodelers Council Golf Tournament. The tournament

is open to all HBAL members, Remodelers Council members, spouses and guests.

Friday, August 3, 2012Registration: 7:30 - 8:15

Shotgun Start at 8:30 a.m.

Wilderness Ridge1800 Wilderness Woods Place

$65 per golfer • 4-Person Scramble

• This will be a handicapped event. Flights will be determined based on a 9 hole score randomly selected.

• $65 includes golf, cart, food & prizes. • Prizes awarded following the tournament.

If you are interested in a designated foursome, please register all four players together. If not, you will be assigned a team.

1st Player ___________________________Company _______________________________________________

2nd Player __________________________Company _______________________________________________

3rd Player ___________________________Company _______________________________________________

4th Player ___________________________Company _______________________________________________

Enclosed is $_________ for_____ players. Make checks payable to Lincoln Home Builders Care Foundation.

Prepayment is required to play.Fax this form to HBAL at 402-423-4251.

Or send it to: Lincoln Home Builders Care Foundation • 6100 S. 58th Street, Suite C • Lincoln, NE 68516


Spike Party

Attention HBAL Spikes!Get Ready for Summer Fun with Fellow Spikes!

Thursday, August 9, 2012

Spikes “Pig Out” at RibfestJoin your fellow Spikes at Lincoln’s largest cookout!

• Free admission for Spike & one guest• Reserved seating for Spike Club Members• Entertainment• Award-winning BBQ chefs & pit bosses

from around the country• Live music• Fun & conversation with other Spikes on

a great summer evening

Spikes fax this form to 402-423-4251 or RSVP to 402-423-4225 or [email protected].

Reservations required by August 2 so we can mail you your tickets.

_____ Yes, I want to “pig out” at the Ribfest

_____ Sorry, I can’t attend

_____________________________________Spike Club Member’s name & name of guest

Camherdz Services Corporation

2240 S. 46th StreetLincoln, NE 68506

PaintingPaintingInterior, Exterior, Commercial, ResidentialInterior, Exterior, Commercial, Residential

New, Repaint

DecksPower Washing, Staining

FloorsSealers, Epoxies, Urethanes

Specialty CoatingsSpecialty CoatingsTo include Epoxies and Urethanes on walls

Phone: (402) 580-0870Fax: (402) 438-6937

Hector Hernandez

Email: [email protected]

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ESTIMATES AND

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AT YOUR SERVICE


Pruning Punch Lists

What’s better than a short punch list? No punch list at all. Imagine how delighted your customers would be if you deliv-ered a home that didn’t need any tweaking or touch-ups. They could use every bit of their home as soon as they moved in and you wouldn’t have to sock any more labor into the house until it needed warranty repairs. Come to think of it, you’d probably have fewer of those to attend to.

Sounds impossible? It isn’t. Christopher Homes in Las Vegas shoots for a “zero” punch list on every custom or luxury pro-duction home it builds. That includes having no punch list items at the pre-closing walk-through. The system assures Christo-pher’s exacting customers that their homes are 100% complete at closing. It also maintains the company’s productivity by let-ting its superintendents move on to other houses.

Even if you don’t build a high-end product, you can get your punch lists down to nothing or at least trim them to just a few items. Customers will benefit and you will too. Here’s how to do it:

1. Inspect trades’ work. You give your trades a list of specs, right? Hold ‘em to those specs by having your supers inspect their work at each phase. “For some trades we use a fairly long checklist of items I’ve compiled over the years,” says Allan Edwards, president of Allan Edwards Builder, in Houston. “Other trades’ lists are much shorter.” Inspecting trades’ work during construction reduces the number of little things that pop up at the end of the job.

2. Fix it as you go. “As the job progresses, we remedy all blemishes, mistakes, and damaged material as we go,” says Edwards. “I designate the last month of construc-tion as the punch-out stage. This may include installing missing and back-ordered items, re-keying locks, reglaz-ing broken glass, minor adjustments, and touch-ups.”

3. Walk the house often. Because he notices things that other people don’t, Edwards walks his houses nearly ev-ery day during the punch-out period and generates lists for his supers and trades. “They start with larger items, damaged or missing material that needs to be installed, and progresses down to final clean and paint and touch-up,” says the builder.

4. Try everything out. Run all appliances, tubs, and fix-tures. Put the HVAC system through several cycles. Bet-ter you discover that the washer “walks” while churning a load of laundry (and level the machine) or that there’s some paper rattling in one of the registers (and pull it out) before the customers find it.

5. Fine-tune in stages. Edwards usually has about four different final cleans and four different paint touch-up work stages. “The process repeats itself until the original list of dozens of items becomes a list of just a few items,” he says. “We remedy those, and then we are ready to deliver the house.”

6. Watch your nomenclature. When you’re ready to walk the house with the customer, have a walk-through approval form on hand. “Don’t call it a ‘punch list,’ “ says Bob Kovacs, president of Constructive Solutions in Iselin, N.J. “If you call it a ‘punch list,’ that implies that there’s something wrong or not finished, and the customers will start looking for it. If you and your trades have followed the right procedures, there should be no issues. The client shouldn’t have to tell you what to fix.”

7. Examine your systems. If certain things keep popping up on your internal punch lists again and again, go over your construction methods or specs and consult with your trades to see what can be adjusted to prevent those items from reappearing on your next project’s list.

For more information about this item, please contact Natalie Holmes at 800-368-5242 x8201 or via email at

Pruning Punch Lists


Lincoln Children’s Museum: Under Construction

Special Thanks ToTru-Built Construction

84 LumberComfort Techs, Inc.

John Henry’s Plumbing, Htg. & A/CEric’s Electric, Inc.CS Kitchen & Bath

Newest Exhibit at the Lincoln Children’s Museum Features a Construction Theme

The new exhibit at the Lincoln Children’s Museum is a construction-based addition, giving kids a chance to learn more about the profession and have fun at the same time. The exhibit features a mascot, aptly named “Fix-It Frannie.” Frannie guides children through the exhibit in the form of many different posters and signs, all while teaching them tidbits of information. The ex-hibit is packed with hands-on experiences for the visi-tors, including bricks to help finish the “HBAL House,” a rock quarry and various play equipment. Angela Smith, Director of Development at the Lincoln Children’s Museum remarks that the exhibit “is most definitely a huge hit and we cannot thank you enough!”


Vacation Time - Timeshare, Vacation Home or Craigslist

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• Outdoor Kitchens& Patios www.BaltazarsStone.com

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Summer time typically means vacation time for many families across the United States. Once you’ve decided that you’re go-ing to hit the road or hop on a plane — and where — the next natural question is, where will I stay? The question of lodging can be a little tricky. Does your family own part of a timeshare or have a vacation home? Do you have hotel points built up from business travel or credit card use? If the answer is “yes” to any of those questions, your choices are easy. If the answer is “no,” the choices can seem daunting. It can be tough to know whether you’re getting the best price on vacation packages with so many options available. There is no right way to go; much of the time, it simply comes down to preference and which option is the easiest and most convenient for you and your family.Timeshares and Property OwnershipThe vacation business has grown in stature across the coun-try and one avenue of that growth is the timeshare industry. Timeshares allow vacationers to purchase a furnished resort accommodation without actually owning a second home. Typi-cal programs give the owners use of the resort they bought into for one week a year and allow owners to exchange their week at sister resorts around the country and the globe. In addition to timeshares, families often purchase a vacation home outright. In recent years, more than 10 percent of all homes have been vacation homes.

Going OnlineNavigating the wilds of Internet vacation planning can seem daunting at first, but many travel sites have made it much easier for travelers to book their vacations. Web sites such as Expedia, Orbitz and Travelocity do much of the work for you by consoli-dating all decisions you have to make about hotel, airfare and car rental into full vacation packages. Websites such Craigslist act as a huge online bulletin board where timeshare and vacation home owners post ads to rent their properties. If you want to visit Lake Tahoe, for example, you can search local ads in that area or see if someone in your hometown has posted an ad for their property in Tahoe. Of course, the traditional ways of booking your vacation (such as AAA or your local travel agent) still exist. What you choose depends on your level of comfort with online access tools or whether you just like the personal touch of face to face advice.Whatever you choose, here’s a piece of advice: don’t put it off! Vacation time is important for the health and well being of anyone who works hard. To sign up for NAHB’s free consumer e-newsletter with news and information for current and prospective home owners, visit www.nahb.org/housekeys.

It’s Vacation Time - Timeshare, Vacation Home or Craigslist?

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brick in a color palette ranging from the traditional reds and buffs to the innova-tive pinks, maroons, and lavenders.

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Special discount for HBAL Members!10% discount on a service or repair

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402-484-7526 800-399-4468

www.lincoln.wrfa.com

Student Loan Debt Crisis Linked to Lower Home Values

Student Loan Debt and Lower Home Values

New analysis of government data by the National Association of Home Builders (NAHB) reveals a connection between rising student loan debt and the onset of the housing slump, and of-fers yet another example of how lower home values have hurt millions of middle class households and threatens the fragile economic recovery.“The rising student loan debt problem is another consequence of the housing downturn,” said NAHB Chairman Barry Ruten-berg, a home builder from Gainesville, Fla. “As more and more parents face tighter budget restraints as a result of lower home values, this is forcing an increasing number of students to take out loans for tuition, essentially shifting some of the burden of paying for college from parents to students.” The link between rising student loan debt and the start of the housing crisis comes on the heels of a recent report from the Federal Reserve showing that U.S. household wealth plunged nearly 40 percent from 2007 to 2010 as a result of declining home values. “Together, these findings should serve as an urgent wake-up call for policymakers to do their part to ensure a full-fledged housing recovery moves forward to restore the balance sheets of tens of millions of home owning families, create jobs and spur economic growth,” said Rutenberg.To get housing back on track and provide the foundation for a long-lasting economic recovery, Rutenberg called on leaders in Washington to provide access to mortgage credit for qualified

borrowers; demonstrate their support for the mortgage interest deduction; support affordable down payments for home buyers; enact reforms in appraisal practices and oversight to ensure that appraisals accurately reflect true market values; and establish a strong housing finance system that retains a federal backstop to ensure that standard 30-year fixed-rate loans and adjustable rate mortgages remain readily available for working class house-holds.“Young Americans need to have the ability to pay for college in order to prepare for the jobs of the future,” said Rutenberg. “Homeownership has historically generated a thriving middle class by creating wealth and helping families to cover higher education costs. Hard-working American families and the economy will continue to struggle until we get housing back on track.”

Graphs from: www.eyeonhousing.wordpress.com/2012/21/student-loans-and-housing/


HBAL Business Update

HBAL Business Update2012 NAHB Legislative Day

By: Mike Benker

Eighteen representatives from the Nebraska State Home Builders Association (NSHBA) including ten from the Home Builders Association of Lincoln (HBAL) met with each of our Congressmen and Senators on Wednesday, June 6, 2012. The issues discussed included: The Housing Production Credit Crisis, Housing Finance Reform, Tax Reform, Wetlands, Amending the EPA’s Lead Paint Rule, National Flood insurance Program and General EPA/OSHA Regulation.

The Housing Production Credit discussion revolved around H.R. 1755, the Home Construction Lending Regulatory Improvement Act of 2011 and S. 2078, the Home Building Lending Improvement Act of 2012. These bills focus on AD&C loan limits, payments and “work out” periods before charging off a homebuilder’s loan.

The Housing Finance Reform focuses on the housing GSE’s, Fannie Mae, Freddie Mac and the Federal Home Loan Banks. Although a federal government backstop for reliable flow of affordable housing credit is needed, private capital must be the dominant source of mortgage credit. Federal support to shore up the mortgage market during catastrophic situations when private capital and insurance reserves are depleted will provide a base line and stability. Federal support is important in continuing the availability of the 30-year fixed-rate mortgage, a system in place since the 1930’s.

For rural communities, Senator Ben Nelson’s amendment to the farm bill to “grandfather” all existing communities in the USDA Rural housing Section 502 program for another 10 years is very beneficial. The amendment also increased the legal population threshold for the definition of a “rural” county from 25,000 to 35,000. The amendment passed with a voice vote on June 20, 2012 and a subsequent vote June 21, 2012 to pass the farm bill with a vote of 64 to 35. The programs offered by the Rural Housing Service (RHS) Section 502 are instrumental in providing opportunities for homeownership to families living in rural communities. The amendment does NOT expand any funding levels for rural housing programs. It simply updates the pool of communities eligible for its services. With prospects for the overall farm bill uncertain, NAHB is continuing to pursue several other legislative avenues to address this issue.

Tax Reform included discussion regarding the mortgage interest deduction, second homes and the low income housing tax credit. The elimination of these items would further depress home prices, place more homeowners underwater and trigger a new wave of foreclosures. Continued support of H.R. 25 to protect these vital tax codes was requested.

The Environmental Protection Agency and Army Corps of Engineers are currently pushing for significant changes to the Clean Water Act. These include the “waters of the U.S.” definition to include what comes out of the downspout of your home. Conflicts with previous U.S. Supreme Court Rulings, Private Property Rights and States Rights are in jeopardy. Continued support of H.R. 2965 and S. 2245 were requested so only Congress reserves the authority to make such sweeping changes to the Clean Water Act.

Although S. 2148 didn’t have a companion bill for the House on Wednesday, Nebraska Congressmen were made aware a bill would be coming and their support would be appreciated. The next day, H.R. 5911 was introduced. These bills reintroduce the “opt-out” clause for the Lead: Renovation, Repair, and Painting rule. Restoring the “opt-out” provision will not change the rule’s protections for pregnant women and small children, yet creates a necessary balance between responsible regulation and consumer choice. Additionally, the EPA has yet to approve an accurate lead test kit, which is a requirement under the EPA’s own rule. Other hindrances include the lack of consumer education and the agency’s focus on enforcing paperwork violations by certified contractors rather than safe work practices.

The National Flood Insurance program received a short term extension just prior to our delegation arriving in Washington, D.C., but a long term reform bill needs to be signed into law to prevent construction delays, cancelled closings and job loss. Many other Associations and groups such as the National Association of Realtors realize the effect a lapse in this program would have on our industry.

Finally information was exchanged and progress reported regarding the overreach of the EPA and the OSHA. Although the Nebraska Congressmen and Senators understand and share our concern regarding these issues, it was Senator Johanns who brought multiple staff and policy aids to the table to speak with us. Two of his offices in Nebraska were connected through a video conferencing system to receive this information first hand. The HBAL greatly appreciates the attention, support and work of Senator Johanns, his staff and policy personnel. NAHB’s Assistant Vice President of Labor, Safety and Health Policy, Robert Matuga, made a special point to express his appreciation of the HBAL’s Mike Rezac. Mike played an active role in working to develop the Safety Guidelines for Residential Construction. This information will be used to enter the next phase of negotiation with the OSHA at the national level.

As you can see much of this information is very technical, but very critical to our industry. Each member of our association is very important as we have strength in numbers, but also bring varying areas of expertise to the table. In working together, we can make a difference. The next time you receive an email from NAHB BuilderLink, State or Local HBA with a “call to action,” please consider taking 2-3 minutes to click through the process and send a letter to your representative on behalf of your business and industry.


HBAL Business Update

Lead: Renovation, Repair and Painting RuleBy: Mike Benker

A portion of the NAHB Remodelers Board of Trustees meeting at the 2012 NAHB Spring Board Meeting included reports from Bob Hanbury, House of Hanbury Builders in CT, Matt Watkins, NAHB Environmental Policy Analyst and a presentation with Q&A by Steven Chester, Deputy Assistant Administrator for the U.S. Environmental Protection Agency Office of Enforcement and Compliance Assurance, Rosemary Kelly, Director, Office of Enforcement and Compliance Assurance and Greg Sullivan, Lead Attorney and Chief, Chemical Risk and Reporting Enforcement Branch.

Starting on a positive note, H.R. 5911 and S. 2148 are companion bills to reintroduce the “opt-out” clause for the Lead: Renovation, Repair, and Painting rule. Restoring the “opt-out” provision will not change the rule’s protections for pregnant women and small children, yet creates a necessary balance between responsible regulation and consumer choice. Additionally, the EPA has yet to approve an accurate lead test kit, which is a requirement under the EPA’s own rule. Other hindrances include the lack of consumer education and the agency’s focus on the enforcing paperwork violations by certified contractors rather than safe work practices.

The majority of enforcement has been a review of records then shared with auditors and passed along to attorneys to tally the amount owed. Small technicalities are often noted and a Notice of Non-Compliance is issued. Many of these letters show what the fines could be, but are not actually a fine itself. Property managers of multi-family housing units are being audited of their records for distribution of brochures to residents. The on-going NAHB legal challenge regarding the “opt-out” from last fall has reached oral arguments, but hasn’t received a response yet.

NAHB is rallying support for H.R. 5911 and S. 2148 currently trying to have each bill become bipartisan. It is doubtful whether the legislation will go very far until after the November elections, but with enough co-sponsors there will be a push for a hearing to advance them. On the regulatory side, the NAHB petition on the test kits is essentially being ignored by the EPA at this time. The Center for Disease Control has also changed the definition of lead, when it comes to blood lead concentrations, the previous level for concern was 10 μg/dL with an action level limit of 20 μg/dL for

blood lead concentrations, but the new guideline is set with an action level of 5 μg/dL.

In the EPA Enforcement Report, it was reported since April 2010 in the 10 Regions there have been 1,150 EPA inspections and 40 Notices of Non-compliance. The cases have been bundled by category each quarter to share with the press to educate the public. The April 2012 news release included a Boston property owner doing work for a fee, a dust control issue and an Omaha company having issues regarding pamphlets. The Regional Offices will continue to do more bundling of issues found during inspections for future news releases.

During the Q&A time, the first question had to do with where the EPA gets its list of names for enforcement. Rosemary Kelly responded to the suggestion of targeting audiences and says this does not happen. Most of their leads come from tips and complaints from competitors and homeowners. The EPA monitors State and Local Health Department numbers to address potential problems and have the greatest impact. The phone book, yellow pages and building permits are used when needed. Another direct question asked about the EPA’s authority to shut down a job site. The EPA doesn’t have the authority to shut your jobsite down, but in some cases the local Health Department may have that right. The two most recent questions left somewhat unanswered at HBAL Remodelers Council meetings were asked with a general response and information collected for a more official response. Once the response is received, it will be published for all to see. The questions asked regarded the testing of wood floors and installation of new siding over painted wood siding (potentially lead based paint).For more information please contact Mike Benker at 402-423-4225 or [email protected]


HBAL Golf Tournament

Lincoln Home Builders Care



Flight WinnersFirst Flight

1st Place – 58Shawn Lang

John MahoneyKen Svoboda

2nd Place – 58Mike GoingsClair MunyonJayson Becker

3rd Place – 59Matt Minchow

Steve StevensonMike Adams

Ed Schulenberg

4th Place – 60Jeff White

Gary HarmonStan TafoyaTim Nelson

Second Flight

1st Place – 64Jason Thiellen

Bob LewisRick OnnenMatt Tiarks

2nd Place – 64Dan Walker

Jason FirestoneBill Barclay

Leo Schumacher

3rd Place – 64Tony NolanJim DavisMatt Fox

Cory Hoagstrom

4th Place – 65Marlin Lyon

Todd BohlmeyerMarc HausmannBob Sundquist

Third Flight

1st Place – 66Larry Epp

Darren ParrottJim Conway

Carol Conway

2nd Place – 68Mark AksamitJack CooperLance RoachAllen Barber

3rd Place – 69Brian KamlerSteve Statz

David KilgoreSusie Krause

4th Place – 69Doug Prewitt

Monte MarschmanJason Kirby

Kevin Trembley

Foundation Golf Tournament



Hole #1:West Gate Bank – closest to the pin, 3rd shot

Winner: Greg LeeCKF-Consolidated Kitchens – longest putt on the green

Winner: Ramsey Yousif

Hole #2:Pella Products of Lincoln – closest to the pin 2nd shot

Winner: Jim MarkelLincoln Winnelson Co. – longest putt on the green

Winner: Dave CiaVarella

Hole #3:Cattle National Bank – longest drive in the fairway

Winner: Roger Bumgarner

Hole #4:Rels Title – closest to pin first shot

Winner: Tom HarrisonINSPRO Insurance – longest putt on the green

Winner: Cory Hoagstrom

Hole #5:Pinnacle Bank – longest putt on the green

Winner: Kyle Courter

Hole #6:Union Title – longest drive in the fairway

Winner: Jason ThiellenEMO Flooring – closest to the pin, any shot off the green

Winner: Larry Loomis

Hole #7:Woods Bros. Realty – longest putt on the green

Winner: Curt WhiteArtz & Sons Construction – shortest drive played by

groupWinner: Jason Rau

Hole #8:Structural Component Systems – closest to the pin in 1

shotWinner: Grant Carter

Bryant, Katt & Associates – longest putt on the greenWinner: Jack Cooper

Hole #9:Lincoln Federal Savings Bank – longest drive in the

fairwayWinner: Kirk Havranek

Ferguson Bath, Kitchen and Lighting Gallery – longest putt on the green

Winner: Bob Bryant

Hole #10:Great Western Bank – longest putt on the green

Winner: Cindy FosterReimers-Kaufman Concrete Products Co. & Ready

Mixed Concrete Co. – closest to pin, 2nd shotWinner: John Mahoney

Hole #11:Cornhusker Bank – longest drive in the fairway

Winner: Jean BrownHS Bank – closest to the pin, 3rd shot

Winner: Shawn Lang

Hole #12:Yankee Hill Brick & Tile Co. – closest to the pin 1st shot

Winner: Gary HarmonNeemann & Sons, Inc. – longest putt on the green

Winner: Dave Potter

Hole #13:HomeServices Lending – closest to the pin 2nd shot

Winner: Lance Roach

Hole #14:The Glass Edge – longest putt on green

Winner: Ben HartzellUnion Bank & Trust Co. – closest to the pin, 1st shot

Winner: Skip Semin

Hole #15:Schaefer’s – longest putt made on the green

Winner: Matt TiarksNebraska Land Title & Abstract – closest to the pin, 2nd

shotWinner: Kevin Eriksen

Hole #16:Security First Bank – closest to pin any shot off green

Winner: Jason MartinezHome Real Estate – longest drive in the fairway

Winner: John Haney

Hole #17:Millard Lumber, Inc. – closest to the pin 3rd shot

Winner: Gene HiattA1 Mold Testing and Remediation Services – shortest

drive played by the groupWinner: Matt Fox

Hole #18:City Bank & Trust – closest to the pin, 2nd shot

Winner: Jason BryantDrywall Unlimited, Inc. – longest drive in the fairway

Winner: Mike Adams

Flag Prize Winners


Contributors, Sponsors and Volunteers

Thank you!

Golf CommitteeChairman Dan Walker

Ruth HietbrinkKim KumpulaLinda HeimanLois Hartzell

Chuck PfenningGrant CarterRon Fricke

Kayla Harrison

ContributorsArt F/X

Fireplace CenterThe Harry A. Koch Co.

Liberty First Credit UnionLincoln Glass

Raynor Doors of NebraskaShelter Distribution

US Bank

GiveawaysBlack Hills Energy

Union Title CompanyA1 Complete Services

Thank you To...Aqua Systems for the

bottled water!Nebraska Title for the ice

cream treats!Lowe’s and Security First

Bank for providing the grills!

Lee’s Propane Service for donating the propane!

Linda Heiman for organizing the grillers!

Volunteers/GrillersTammy Bohnenkamp

Sue EatonMike Graham

James HamletteAnDee HarrisLois Hartzell

Ruth HietbrinkTami Lambie

Jo LewisSheryl OldhamPete Peterson

David RaddockVal SabataRuss SebekBrady Yoder

Door Prize Winners$15 Gift Certificate to Lowe’s

Adam AlbeeCory Anderson

TJ ArtzMike BarryDave Bayne

Michelle BenesSteve Bos

Steve BowenRon EisenbarthMark GoldenAnDee HarrisJohn HarrisonJoel HohenseeJohn Hoppe, Jr.

Jim HrubyDan Illian

Dave JohnsonPaul Johnson

Charity KhuenRyan Kolbo

Bruce KumpulaPete Luke

Chad LyonsSteve MeyerGeoff Mietz

Tyler MoormeierRob Mueller

Terry NeemannTrent Neemann

Bob RentfroRyan Reynoldson

Mike RezacJoel RussellPaul Schaer

James SchweersAndy ShipleyJoe SteinbachScott Stratton

Corey VandewegeChris Wadhams

Char-Broil Tru-Infrared Gas Grill from Lowe’s

Winner: Aaron Terry

Embroidered Sweatshirt from Art F/XWinner: Brandon Harris



HBAL’s The Big Catch

BIGthecatch

with Harbor Master

Mike Rezac

Buying a license doesn’t guarantee you a fish.

HBAL will provide you with special tackle to help you find the fish and reel ‘em in. All you have to do is cast!

Contact the HBAL office for:• a list of potential members• membership packets to mail or email

Starting June 1, 2012, HBAL members will launch their boats looking for The Biggest Catch! For each new member, you will increase your rank on the boat.

• Deck Hand = 0-1 new members• First Mate = 2-3 new members• Commander = 4+ new members• Captain = 4+ new members & leads team in catches

Current Standings

Northwestern

WizardSeabrooke

Time Bandit

Jim Crawford (1)• Morton Buildings

In it to win it!New Incentives to cast those reels even

farther!

Monthly Prizes(July through October)

$100 Cabela’s Gift Card Drawing Each new member increases your chance

to win!

Individual PrizesThese will be awarded to the best

fishermen at the end of the contest!

1st Place - $500 Visa Gift Card

2nd Place - $400 Visa Gift card

3rd Place - $300 Visa Gift card

Launch your boat, bait your hook and cast your line to reel in new members and

prizes today!


HBAL’s The Big Catch

West Gate Bank recognizes that people make the difference. Our staff is knowledgeable, experienced and committed to providing excellent service.

Whether you are building, buying or refi nancing your home, experience the West Gate Bank difference. Create your customized loan program today.

Strong Foundations BeginWith Great People

Lincoln’s Bank westgatebank.com

Adam FlanaganConstruction and Real Estate

Lending Offi cer Scott WilliamsonVice-President Mortgage

Susan BredthauerVice-President Mortgage

402-434-3456 member FDICEQUAL HOUSINGL E N D E R

When it comes to cabinetry, Millard Lumber o�ers a vast and diverse selection. Whether it’s a color, �nish, or look, Millard Lumber has the solution to any builder or contractors needs. Stop by our Design Center today for design assistance and free estimates. Millard Lumber also o�ers installation

for all cabinets and hardware.

11200 N. 148th St., Waverly NE 402.786.3030 M-F 7:30am - 5pm

“Bringing Quality to Life”

You won’t find a larger selection of fireplaces & stone in town! Our showroom displays 37 fireplaces and over 170 brick and stone samples. Also available at Lumbermen’s:

• Wood & Pellet Stoves • Outdoor Firepits• Grill Islands & Kitchens • Paving Stones• Erosion Control Products • Stone Veneers • Brick

Showroom Hours: Mon-Fri 9am-5pm, Sat 10am-2pm | 8655 Amber Hill Court, Lincoln, NE 68526 | 402.421.0948 | www.lumbermens.biz

The Place to go for Everything Fireplace and Stone!


New Members| Cancellations | Directory Changes | Renewals

Thanks for Renewing Your Membership!

(Please allow 60 days for names to appear on this list.)

Moving?

Be sure to contact the HBAL Office at 402-423-4225

to update your contact information.

Welcome New MembersMorton Buildings

Principal: Curtis Adkins12055 Hwy 7, Waverly, NE 68462Phone: 402-786-3000 Fax: 402-786-5505Cellular: 402-314-4886Email: [email protected] I joined HBAL: To get Morton Buildings back on Lincoln’s job marketSponsor: Jim Crawford, Precast Products and Landscape Village

Sorry to See You Go!If you see your company listed below, contact HBAL at

402-423-4225 to renew your membership TODAY!

JM Barber Construction & Design

Directory Changes• Brian Willet is the new principal for Waddell and

Reed. Email: [email protected]

• The new address for Citygold.com is 3119 S. 33rd Street, Lincoln, NE 68506.

• The new address for INSPRO Insurance address is 4000 Pine Lake Road, Lincoln, NE 68516.

• The new mailing address for INSPRO Insurance is P.O. Box 6847, Lincoln, NE 68506.

• John Oestrich is no longer an affiliate member with Waddell and Reed.

• The new address for R & D Custom Homes is 7431 Cardwell Circle, Lincoln, NE 68523.

A Pause for Paws, 3 years

American National Bank of Lincoln, 10 years

BJ Shower Door Co., 21 years

Barber Homes & Remodeling, 20 years

Brester Construction, Inc., 35 years

CS Kitchen & Bath Studio, 22 years

Capitol Heating & A/C, Inc., 11 years

Civil Design Group, 7 years

The Cleaning Ladies, 13 years

Hoos & Suing, 3 years

Hoppe Homes, LP, 22 years

Hunt Irrigation, Inc., 14 years

JL Exteriors, Inc., 4 years

Jerry’s Basement Waterproofing, Inc., 16 years

John Henry’s Plumbing, Htg. & A/C, 12 years

KLIN 1400, 37 years

Lawnscape, Inc., 3 years

Lincoln Housing Authority, 17 years

Lincoln Winair Company, 17 years

NECO Security, 6 years

Nebraska Investment Finance Authority (NIFA), 32 years

New Ventures, Inc., 26 years

Pro Drywall, Inc., 7 years

Roth & Troyer Construction, Inc., 6 years

Sark Tile, 11 years

Seal-Rite Insulation, Inc., 12 years

Signs Now, 21 years

Special Tee Remodeling, 2 years

Sticks & Stones Hardscapes, Inc., 6 years

Summit Homes, L.L.C., 17 years

Vodicka Construction, Inc., 6 years


402.423.7377 8200 Cody Drive, Lincoln, NE 68512

Future Addition

Just minutes away from shopping and dining you will find the best in country living at Whispering Creek. Our three+ acre lots can be reached on paved Old Cheney Road. The neighborhood features paved interior streets, wooded lots and an NRD pond. The rolling terrain offers elevations to showcase your custom home plans.

Lots starting at $140,000

All lots are 3 + acres

No impact fees

Paved interior roads

Restrictive Covenants

Take a drive to Whispering Creek—you’ll like what you see!


Jobsite Safety Handbook

Providing Offset Printing& Digital Services

in Lincoln since 1980.

402.483.75753133 S. 7th Street • Suite D

Fax 402.483.7577info@pioneerprintinginc.comwww.pioneerprintinginc.com

Multi Color Printing

Graphic Design

Ad Specialties

Bindery Services

Digital Color Copies

Digital Black & White

Engineering Copies

Personalized Service

[email protected]

www.citygold.com

®

You'll find hundreds of Lincoln Web sitesindexed by keywords and categories.

LOG ON!www.citygold.com

Phone: (402) 420-9800 • E-mail: [email protected]

Lincoln's Official Web Site Directory SM

It's theLOCAL Web!

Newly Updated Jobsite Safety Handbook Now Available at the HBAL Office

The Jobsite Safety Handbook, Third Edition, has been updated and is now available for purchase for $9.00 at HBAL as a benefit to members. The handbook explains what builders can do to comply with OSHA requirements. It covers the key safety issues that home builders, remodelers and trade contractors need to focus on to reduce accidents and injuries. It identifies safe work practices and related OSHA regulations that have an impact on the most hazardous activities in the construction industry.

Included in the handbook is a series of general safety tips, designed to provide examples of common best practices for residential construction safety that can be incorporated into a company's safety and health program.

The third edition includes clear illustrations and color photographs with new and updated information on topics such as:• Fall protection for roofing work and around openings • Hearing and respiratory protection • Working in confined spaces • First aid • Hazardous materials • Housekeeping and general site safety • Employer duties, including training and protective equipment

The Jobsite Safety Handbook highlights the minimum safe work practices and regulations designed to prevent major hazards and causes of fatalities occurring in the residential construction industry. It should be used only as a companion to the actual regulations and as a general guide to safety practices.

For more information and to order the Jobsite Safety Handbook, Third Edition, call the HBAL office at 402-423-4225.


YOU’RE GOOD TO GROW.

Whether you’re a new lawn-maintenance business or a well-established, full-service landscaping company, your business will thrive with the help of John Deere D-Series Skid Steers and Compact Track Loaders (CTLs). Designed with extensive input from landscapers and other customers, these capable compacts cultivate more productivity with enhancements such as roomier operator stations, quieter pressurized cabs, curved-glass swing-out doors, and optional electrohydraulic (EH) joysticks. Uptime-boosting advantages include a V-plenum cooling system, hydraulic-driven reversing fan, and wide-open engine-compartment access. Plus, more than 100 Worksite Pro™ attachments are available. So whether you are laying sod, seeding, grading, tilling, trimming, planting, installing hardscapes, or whatever else, you’re good to grow.

A0B01GGCU3JM0616

Contact us today.

6160MJ3UCGG10B0A 13926300-

Murphy Tractor & Equipment Co.220810 Highway 92Gering, NE 69341-5200(308) 436-2177

Murphy Tractor & Equipment Co.3204 S Engleman RoadGrand Island, NE 68803-6621(308) 381-0741



A0B01GGCU3JM0616

Contact us today.

6160MJ3UCGG10B0A 13926300-



A0B01GGCU3JM0616

Contact us today.

6160MJ3UCGG10B0A 13926300-



A0B01GGCU3JM0616

Contact us today.

6160MJ3UCGG10B0A 13926300-

Murphy Tractor & Equipment Co.3701 South JeffersNorth Platte, NE 69101(308) 534-7020

Murphy Tractor & Equipment Co.6100 Arbor RoadLincoln, NE 68517(402) 467-1300

Murphy Tractor & Equipment Co.9751 S 148TH StreetOmaha, NE 68138-3898(402) 894-1899

www.murphytractor.com

Whether you’re a new lawn-maintenance business or a well established, full-service landscaping company, your business will thrive with the help of John Deere D-Series Skid Steers and Compact Track Loaders (CTLs). Designed with extensive input from landscapers and other customers, these capable compacts cultivate more productivity with enhancements such as roomier operator stations, quieter pressurized cabs, curved glass swing-out doors, and optional electrohydraulic (EH) joysticks. Uptime-boosting advantages include a V-plenum cooling system, hydraulic-driven reversing fan, and wide-open engine-compartment access. Plus, more than 100 Worksite Pro™ attachments are available. So whether you are laying sod, seeding, grading, tilling, trimming, planting, installing hardscapes, or whatever else, you’re good to grow.


Parade of Homes

2012 Fall Parade of Homes Contract October 7-14, 2012

Early Bird Deadline - July 20, 2012 • Final Deadline - July 27, 2012

THE BUILDER PARTICIPANTS AGREE TO:1. Participate with a new, not previously occupied home(s) built by

the entrant.

2. Have the entry open Sundays 1-6 p.m., Weekdays 6-8 p.m. and Saturday 1-6 p.m.

3. Display the HBAL site sign prominently in the front yard of the entry(s). (Sign pick-up is at 84 Lumber the Friday before the Parade from 8-11 a.m.)

4. Have final inspection completed by Building & Safety AND THE DECISION OF THE PARADE OF HOMES COMMITTEE by the opening date and time.

5. Provide information for the Guidebook by July 27, 2012. This includes the price range of your home(s), professional rendering, narrative, and directions. Renderings must be professional drawings or photographs and may be supplied in color or black and white. Renderings are subject to approval of the Parade Committee. Narratives and renderings may be emailed to [email protected]. Call 402-423-4225 for questions regarding format.

6. You must notify HBAL IN ADVANCE if you are unable to have your entry open--NO EXCEPTIONS!

Additional information regarding the Parade is on the next page.

THE PARADE OF HOMES COMMITTEE WILL PROVIDE ENTRANT WITH:1. A comprehensive advertising campaign.

2. One site sign and two directional signs per entry, or more if route evaluation indicates. SIGNS MUST BE RETURNED ON October 15 BY 11:00 A.M.

3. A full page in the Parade Guidebook which describes your house. Builders will receive a proof of their page by email if we have an email address on record. If an email address is not available, a copy of the page will be faxed or mailed.

4. A full page ad opposite your entry page may be purchased for only $400. (This ad must be about the builder’s business only.)

5. SufficientGuidebooksforeachentry.

6. Anonlineflipbook(includinglinkstoyourwebsite)willsupplementthe printed guidebook.

FEES:Your check must be submitted by July 27. (After the Early Bird Deadline, the entry is $50 more per entry. There is no discount for more than one entry.)

Early Bird Fees Final Deadline Fees_____ Single-family: $750 _____ Single-family: $800_____ 2-4 plex: $900 _____ 2-4 plex: $950_____ 5-and-up plex: $1,150 _____ 5-and-up plex: $1,200

I agree to cooperate with the Parade of Homes Committee and to abide by the terms and conditions above and on enclosed sheet.

Exact Address of Entry Name of Entry

Subdivision Company Name

Signature

Approximate Price of House: With Lot: Without Lot:

This home is: Presold For Sale Furnished: Unfurnished:

This home uses a natural gas furnace and water heater (no heat pump): yes no

Online Flipbook: Theonlineflipbookwillincludelinkswhichcanbeusedtodirectthepublictoyourwebpage.Bydefault,wewilllinktherendering, your logo and your website in the contact information to the web addresses you supply here:

Rendering:

Logo:

Website:

Ifyoudonotprovidealink,itwillnotbeincludedintheonlineflipbook.Youcanrequestadditionallinksonyourentrypage.Feesmayapply.Contact HBAL at 402-423-4225 for more information.

Directions to the home will be on each page. You must give specific turn-by-turn directions to your entry:

________________________________________________________________

________________________________________________________________

________________________________________________________________

Return this contract toHome Builders AssociAtion of lincoln

6100S.58thStreet,SuiteC•Lincoln,NE68516Phone:402-423-4225•Fax:402-423-4251

Email: [email protected]

Return this form to HBAL!


Parade of Homes

2012 Fall Guidebook Advertising Contract October 7-14, 2012

Early Bird Deadline - July 20, 2012 • Final Deadline: July 27, 2012

Ad Size Dimensions Early Bird Final Deadline Full Page 7.75” wide x 10.375” high $775 $8001/2 Page 7.75” wide x 5” high $475 $5051/4 Page 3.75” wide x 5” high $335 $360Centerfold* 15.5” wide x 10.375” high $1,700 $1,760

Note: Builders can purchase a full page ad opposite their Parade Home entry for $400. This ad must be about the builder’s business only.Builder Page 7.75” wide x 10.375” high $400

*The previous advertiser has the right to request the centerfold, inside front cover, inside back cover and outside back cover again.

Please see the attached Advertising Checklist for acceptable ad formats and other details.

Circulation: Five thousand books are distributed to Parade visitors.

Please return this page to reserve your ad space. Complete the second page (the Advertising Checklist) and return with your ad.

Company Ordered By

Billing Address City State ZIP Code

Phone Fax E-mail

If you use an ad agency or graphic artist for your ad, include the contact name, company and phone number of the person who designed it:

Name/Company E-mail Phone

Check One: Use the exact ad placed in the 2012 Spring Parade Guidebook. I will furnish an ad to HBAL by July 27, 2012.

I want HBAL to revise my ad (see hourly rates under “Revisions”). I want HBAL to design my ad (minimum $55 charge).

Color: At an additional cost, you can use color in your ad. If you are using a process or spot color, be sure to list it. Color mode must be Black & White or CMYK, not RGB.

Black & White (No color, no extra charge)

1 color (in addition to black) ($50) Process/Spot Color:

2 colors ($150) Process/Spot Colors: &

3 colors ($200) Process/Spot Colors: & &

Full color ($250)

Ad Format: Please see the attached Advertising Checklist for acceptable ad formats and specifications.

Revisions: Any adjustments or changes to your ad will be billed as follows: $55 per hour for all changes $55 per hour for pre-production work if required $55 minimum to design your ad (please call HBAL at 402-423-4225 for details)

If you have questions on whether your ad will be subject to additional charges, contact HBAL at 402-423-4225.

Proofs: An Epson proof of your ad will be available at the HBAL office for you to review. This gives you an opportunity to look at the actual printed color (vs. viewing it on your computer screen), as well as a final review of content.

Online Flipbook: Your ad will be linked to your website in the online version of the Parade Guidebook. Please indicate your web address here:

If you do not provide a link, it will not be included in the online flipbook.

While we do keep previous Guidebook ads, it is your responsibility to keep your ad on file if you want to re-use it or make changes to it in the future.

Return this contract toHome Builders AssociAtion of lincoln

6100 S. 58th Street, Suite C • Lincoln, NE 68516Phone: 402-423-4225 • Fax: 402-423-4251

[email protected]

Please return this form to HBAL to reserve your ad space.


Building Permits

APOLLO STEEL COMPANY

Your Hometown Source For

• HouseBeams

• Columns

• BrickLintels

• Joists&Deck

• MiscellaneousPlate,Angle,Pipe&Tubing

Fabricating The Future of Nebraska7200AmandaRoad,Lincoln,NE68507

Phone:402-466-8587•Fax:402-466-0594

At Cornhusker Bank, we believe when you come to us for a mortgage loan, you expect to continue to work with us well beyond closing. This is why we offer to service your mortgage right here in Lincoln.*

Life is good when banking is simple.

Local service for the life of your mortgage loan.

Stop by, call, or visit us online to learn more.

56th & South St. | CornhuskerBank.com | 402-434-2265

* Not all mortgage loans qualify for the local servicing program. Please contact a mortgage lender for details. Member FDIC |

SF TH MF SF TH MF SF TH MF SF TH MF SF TH MF SF TH MF SF TH MF SF TH MF SF TH MF SF TH MFJan. 98 8 4 74 8 5 54 21 0 72 14 0 40 8 4 35 19 6 11 14 0 24 7 2 22 0 4 27 4 0Feb. 103 33 2 73 9 24 66 10 4 58 20 2 35 4 12 22 0 4 29 2 3 32 18 60 26 0 20 31 13 144March 136 24 90 137 18 20 92 11 4 82 17 16 59 40 112 41 28 2 30 14 2 42 6 8 42 10 180 47 24 36April 145 26 4 124 22 0 80 16 4 91 16 60 61 70 66 50 2 2 30 14 15 33 8 0 28 26 3 43 19 24May 186 98 102 113 33 100 88 12 4 83 20 16 65 39 0 59 15 4 38 28 24 29 19 0 39 14 44 41 21 0

YTD 668 189 202 521 90 149 380 70 16 386 87 94 260 161 194 207 64 18 138 72 44 160 58 70 157 50 251 189 81 204

2012

Building PermitsCity of Lincoln - 10 -Year Table

SF=detached single family - TH=townhouses - MF=multi-family (including duplexes)201120102008 2009200720062004 20052003

# Cost # Cost # Cost # Cost # Cost # Cost # CostJan. 19 333,000 7 87,400 9 1,364,460 2 52,000 6 152,980 3 80,100 2 43,500Feb. 13 426,676 4 314,300 9 141,600 5 125,240 3 99,500 7 178,700 5 107,786March 34 613,750 33 1,283,155 36 589,154 10 206,900 11 317,000 18 452,005 10 691,458April 52 560,472 56 539,511 62 1,208,366 10 198,413 19 706,474 15 908,366 11 600,931May 57 907,924 55 818,301 52 809,323 9 183,000 9 148,500 20 340,080 20 723,945Total 175 2,841,822 155 3,042,667 168 4,112,903 36 765,553 48 1,424,454 63 1,959,251 48 2,167,620Avg. Cost

2012

45,159

Remodeling Permits: AdditionsCity of Lincoln - Detached Single Family - 7 Year Table

21,265

2006 2007 2009

19,630

2008

24,48216,239

2010

29,676

2011

31,099

# Cost # Cost # Cost # Cost # Cost # Cost # CostJan. 89 1,007,372 88 1,163,863 81 907,619 71 784,232 57 502,454 69 988,395 81 804,484Feb. 87 967,125 78 909,207 76 947,505 76 706,588 69 600,743 79 893,584 69 565,929March 100 1,147,674 107 1,280,089 89 800,412 72 946,927 125 1,229,150 104 900,086 96 1,055,957April 87 706,214 88 1,031,776 82 877,275 85 813,112 154 1,386,859 133 1,292,245 96 871,985May 120 1,042,668 115 1,578,971 79 723,878 65 617,270 124 931,223 111 946,242 123 1,544,337Total 483 4,871,053 476 5,963,906 407 4,256,689 369 3,868,129 529 4,650,429 496 5,020,552 465 4,842,692Avg. Cost

Remodeling Permits: AlterationsCity of Lincoln - Detached Single Family - 7 Year Table

10,48312,52910,085 10,459

2006 2007 20092008

8,791

2011

10,122 10,414

20122010


Home Builders Association of Lincoln6100 S. 58th Street, Suite CLincoln, NE 68516

ADDRESS SERVICE REQUESTED

PRST STDUS POSTAGE

PAIDLINCOLN NE

PERMIT NO 51

Would you prefer homebuyers put more money into their homes, or their utilities?

While ENERGY STAR® qualified homes cost a little more, they’re at least 15 percent more efficient than the 2004 International Residential Code. Their energy savings more than offsets any additional cost. Which makes them more affordable to own. And more profitable to build.

www.les.com

Mention this ad and recieve *$35 New Patient

Special includes exam and �rst treatment

*Insurance rules apply

Dr. Kristin Morgan(402) 421-1411

5700 �ompson Creek Blvd Suite 3Lincoln, NE 68516

Documents

Lincoln Business Builder July 2012