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Join HBAL http://www.hbal.com/ 2009-12-15T15:16:50Z Committees and Councils http://www.hbal.com/site/join-hbal/committees-and-councils.html 2009-12-15T15:16:50Z

Committees of the HBAL ACTIVATION & RETENTION COMMITTEE Chairman: Rob Eberenz The Activation Committee works on increasing involvement in Association activities by Builder and Associate Members. For more information on the Activation Committee contact Nicole Bouchard at <a href="mailto:nicole@hbal.com">nicole@hbal.com</a>. ADVERTISING AND PUBLIC RELATIONS COMMITTEE Chairman: Stan Logan, Jr. The Advertising and Public Relations Committeeis an integral part of the HBAL when it comes to the promotion of our members. This committee looks at the membership as a whole and all the counties it encompasses when promoting the HBAL to consumers. The committee encourages members to use the HBAL logo on all business related items, and promotes the association’s members to the local media and appropriate statewide and national outlets. Contact Tara Brinkmoeller at <a href="mailto:tara@hbal.com">tara@hbal.com</a> for more information. ASSOCIATES ADVISORY COMMITTEE Chairman: Larry Link The Associate membership of the HBAL contributes in many vital ways to the Association and the community. By their membership, the HBAL is a much stronger and larger organization than it would be if it were composed only of builders and remodelers. This in turn makes the Association a force to be reckoned with, a loud voice in support of the housing industry. The committee oversees the new Premier Associate Program and is responsible for approving Premier applications and announcing the appointees to the membership. The Associates Advisory Committee, comprised solely of Associate members, represents the interests of each member and, not surprisingly, sponsors the annual "HBAL Golf Outing", the "Associate's Table Top Night." Increased business contacts are an important benefit for Associate members. The monthly general membership meetings, social events, educational programs and committee work provide members with the opportunity to meet in an informal setting and discuss business. The Associates Advisory Committee is constant in its participation and dedication to the spirit and goals of the association. BUILDING INDUSTRY CHARITABLE FOUNDATION Chairman: Dave French The conscience of the industry dictates that the association anticipate and act on the needs in the community that go unmet by government or other charities. The Social Responsibility Committee is charged with finding ways of helping needy individuals or worthwhile causes, either through direct participation or direct monetary contribution. This Committee also raises money through an annual Charity Golf Outing. The Committee has donated money and services through the HBAL over the years that have benefited organizations such as: Habitat For Humanity, YouthBuild, the Beacon House, Dream Factory of Louisville, Cabbage Patch Settlement House, ALS (Lou Gehrig’s Disease), and the Home of the Innocents. Contact Robin Durham at <a href="mailto:robin@hbal.com">robin@hbal.com</a> or Jessica Embry at <a href="mailto:jessica@hbal.com">jessica@hbal.com</a> for more information. LOUISVILLE'S BEST NEW HOMES TV SHOW COMMITTEE Chairman: David Ernst "Louisville’s Best New Homes" television show is one of the leading programs in the country when it comes to promoting HBA members to consumers. This committee works to make this show fresh and fun year after year and determines the best ways in which to promote the program.Contact Tara Brinkmoeller at <a href="mailto:tara@hbal.com">tara@hbal.com</a>  for more information. CODES AND STANDARDS COMMITTEE Chairman: Perry Lyons The Codes and Standards Committee meets monthly or bi-monthly with local building officials to discuss building, plumbing, electrical, fire, HVAC, code changes and revisions. Many potential problems from misinterpretation are alleviated before they occur by the hard work of this committee. For more information please contact Jessica Embry at <a href="mailto:jessica@hbal.com">jessica@hbal.com</a>. EDUCATION COMMITTEE Chairman: Terry Chynoweth The HBAL continuously strives to increase the level of professionalism within the housing industry. By providing educational seminars and courses conducted by leading professionals in various housing-related industries, members are kept up to date on new technology, improved construction methods and changing demographics. Through the work of the Education Committee the HBAL Education Department was created. The Education Department offers the members the educational courses and seminars year-round and has an ever-expanding curriculum. The HBAL is fortunate in that it offers courses to its members at an affordable price and a majority of the classes are held at the Home Building Center. Not only can members obtain credits but non-members as well. All of the courses that are approved for Jefferson County Code Enforcement Department Credit are open for non-members as well. The HBAL also offers continuing education courses for real estate agents. Please check the schedule for classes approved by Jefferson County Code Enforcement and the Kentucky Real Estate Commission. Contact Margie Brangers at <a href="mailto:margie@hbal.com">Margie@hbal.com</a> for more information. LAND DEVELOPMENT COMMITTEE Chairman: Rocky Pusateri The Louisville metro area maintains an outstanding national reputation of providing beautifully designed developments at affordable prices, thus directly benefiting the whole community both aesthetically and economically. Safeguarding this reputation is the duty of the Land Development Committee, which meets regularly with government and utility leaders to discuss, evaluate and determine issues that could affect the housing industry's ability to provide the best product at the lowest cost. The committee has assisted in implementing: 1. Water service expansion by the Louisville Water Company. 2. Sediment Erosion Policy developed by the Committee and adopted by the Board of the HBAL. 3. Regular meetings with leaders of the Metropolitan Sewer District. 4. Meetings with Louisville Gas & Electric to set policy on temporary service, and other installation issues. 5. Regular meetings with the staff of the Jefferson County Planning Commission to determine policy regarding the Comprehensive Land Plan. For more information about the Land Development Committee contact Robin Durham at <a href="mailto:robin@hbal.com">robin@hbal.com</a>. MEMBERSHIP COMMITTEE Chairman:  Billy Doelker The Membership and Retention Committee recruits new members and works to retain existing members. This committee has been the backbone of the Association, working to keep the HBAL among the top 5 local builder associations in the country. The HBAL boasts over1,940 member companies. For more information contact Nicole Bouchard at <a href="mailto:nicole@hbal.com">nicole@hbal.com</a>.   <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt; text-align: left;">Councils of the HBAL</div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">SALES AND MARKETING COUNCIL </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairman: Pat Durham </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">As home buyers become more and more sophisticated, the importance of knowing what to build, where to build it, and how to best sell it becomes more critical. Builders, agents and lenders can learn more about selling in today's market through the HBAL's Sales and Marketing Council (SMC).</div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Affiliated with the National Association of Home Builders' National Sales and Marketing Council, the Louisville SMC's primary goal is to increase the professionalism of new home sales and marketing.</div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Each year, the SMC presents a DEVELOPERS FAIR, in which developers present information on location, lot sizes, prices, and amenities (such as a club house) for new and existing developments in the area. They also have an annual awards banquet that recognizes top sales agents and Builder members of the HBAL. For more information on the SMC contact <a href="mailto:gail@hbal.com">Gail Schell.</a></div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;"> </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">COMMERCIAL COUNCIL </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairmen: Bob Duane & John Hollenbach </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;"> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairman: Teresa MorganThe Commercial Council’s purpose is to identify and isolate those issues that impact the commercial/industrial development process, develop a set of goals, objectives and an action plan to improve each of those. The Commercial Council will address relevant topics such as:  rezoning; the planning and development review process; land development policy; environmental policy; economic development; building codes; education; governmental and political interaction.  These and any other issues will be addressed in conjunction with the following existing HBAL committees</div> For more information on the Commercial Council contact <a href="mailto:tara@hbal.com">Tara Brinkmoeller</a>. REMODELORS COUNCIL </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairman: Todd Stengal </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">The Remodelors Council of the HBAL was formed in 1976 to improve the image of the remodeling industry and to increase the professionalism of remodeling contractors. Today the Remodelors Council produces an annual Tour of Remodeled Homes and a prestigious awards program. Members are also eligible to participate in state and national award programs. For more information contact <a href="mailto:margie@hbal.com">Margie Brangers</a>. </div> <div style="margin: 0pt; line-height: 14.25pt;"> BULLITT / SPENCER COUNTY COUNCIL </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairman: Derek Smothers</div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">The Bullitt / Spencer County Council consists of members of the Home Builders Association that work in the Bullitt & Spencer Counties market. Members of the Council must be current members of the HBAL. Monthly lunch meetings, held at the Paroquet Conference Center, offer everyone in the residential construction industry a chance to network with other companies working in the area. Meeting topics vary each month. Annual membership fees are $25. For more information or an application for the Council please e-mail <a href="mailto:jessica@hbal.com">Jessica Embry</a>. OLDHAM COUNTY COUNCIL </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairman: Jeremy Espositio </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">The Oldham County Council consists of members of the Home Builders Association that work in the Oldham County market. Members of the Council must be current members of the HBAL. Monthly luncheon meetings, held at the Oldham County Community Center, offer everyone in the residential construction industry a chance to network with other companies working in the area. Meeting topics vary each month. Annual membership fees are $25. For more information or an application for the Council please contact <a href="mailto:nicole@hbal.com">Nicole Burchard</a>. SHELBY COUNTY COUNCIL</div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairperson: Torrey Smith </div> The Shelby County Council consists of members of the HBAL and non-members of the HBAL. The luncheon meetings are held generally on the first Tuesday of the month at Claudia Sanders Dinner House. You have an opportunity to be closely involved with the people in the Shelby County Area that are involved directly with the Housing Industry. The council membership is just $25.00 for one year. Contact <a href="mailto:nicole@hbal.com">Nicole Bouchard</a> for more information on this council.  Why Join HBAL? http://www.hbal.com/site/join-hbal/why-join-hbal.html 2008-08-28T06:47:14Z

Why Join? The Benefits and Services of the HBAL Membership in the HBAL encompasses residential and light commercial construction, remodeling and home improvement contractors as well as subcontractors and suppliers in the Jefferson, Oldham, Bullitt, Shelby, Trimble, Henry and Spencer county areas. What We Do As a professional trade association, the HBAL is dedicated to the principle that the American dream of homeownership is central to the community’s spirit and well being and that the ability to realize that dream must be preserved for all generations. To that end, the Association concerns itself with single family home construction, land development, and condominium and multi-family construction, remodeling and rehabilitation of existing property, sales and marketing of new homes, community projects, governmental affairs and related building and housing activities. <ul> <li>Health Insurance </li> <li>Workers Compensation </li> <li>Liability and General Business Insurance </li> <li>Networking </li> <li>Educational Programs </li> <li>Member Decals </li> <li>Advertising </li> <li>Legislative Affairs and Services </li> <li>Mailing List </li> <li>Public Relations </li> <li>Special Events </li> <li>Member Directory </li> <li>National Affiliation </li> <li>State Affiliation For more information about Member Benefits <a href="http://hbal.missiondata.net/site/join-hbal/membership-benefits.html">click here</a> </li> </ul> Membership Benefits http://www.hbal.com/site/join-hbal/membership-benefits.html 2008-12-12T09:34:40Z

Benefits and Services of the HBAL Health Insurance Workers Compensation Liability and General Business Insurance Networking Member Decals Advertising Legislative Affairs and Services Mailing List Public Relations Special Events Directory National Affiliation: An HBAL member is automatically a member of the National Association of Home Builders. NAHB is one of the largest professional trade organizations in the world. Headquartered in Washington, D.C., it has more than 200,000 active members and nearly 800 local affiliate associations. The NAHB represents the entire spectrum of services, contractors and suppliers who have an impact on residential and commercial living. State Affiliation: Every member of HBAL is also a member of the Home Builders Association of Kentucky, located in Frankfort. The HBAK focuses on housing issues and problems that are of significance from a statewide standpoint. They are heavily involved in all legislative matters that affect the home building industry and lobby on behalf of the industry in order to insure that the housing industry remains strong, healthy and viable. <a href="http://membermax.hbal.com/Scripts/4Disapi.dll/4DCGI/join/intro.html?Action=Join&Time=-956416851&SessionID=281pv6f850q002dyxy3140h4arzup6">Join Now!</a> Learn about the Member Advantage from NAHB!   <embed src="http://www.youtube.com/v/AXnBN0_BNC0&hl=en&fs=1&rel=0" width="425" height="344" type="application/x-shockwave-flash" allowfullscreen="true" allowscriptaccess="always"></embed> How to Join http://www.hbal.com/site/join-hbal/how-to-join.html 2010-01-12T14:55:26Z

Associate Membership If you are interested in joining the Home Builders Association of Louisville as an Associate member you can join online or feel free to print the Associate application and mail to the HBAL office. Associate membership does not apply to builders, remodelers or those companies that pull permits. The dues of the Associate Member of the HBAL must accompany application & shall be payable annually on the anniversary date of membership being approved by the Board of Directors, at the rate of $330.00. Dues for membership in the National Association of Home Builders and the Home Builders Association of Kentucky are included in the above dues, and shall be paid by this Association from its treasury at the rates fixed and under the terms stated in the by-laws of those Associations (or amendments thereto currently in effect). Associate member benefits include receiving the Louisville Builder magazine and the HBAL Happenings, a listing in the HBAL Member Directory, and other HBAL benefits. Associate members are also eligible for National Association of Home Builders( NAHB) benefits. <a href="/uploads/34/File/ApplicationAssociate.pdf">Application </a> For more information you may contact Nicole at <a href="mailto:nicole@hbal.com">nicole@hbal.com</a> or by calling 429-6000. Affiliate Membership Affiliate membership is for employees or additional contacts of an existing HBAL members. If you are interested in joining the Home Builders Association of Louisville as an Affiliate member you can join online or feel free to print the Associate application and mail to the HBAL office. The dues of the Affiliate Member of the HBAL must accompany application & shall be payable annually on the anniversary date of membership being approved by the Board of Directors, at the rate of $75.00. Affiliate member benefits include receiving the Louisville Builder magazine and the HBAL Happenings, a listing in the HBAL Member Directory, and other HBAL benefits. Affiliate members are also eligible for National Association of Home Builders( NAHB) benefits. Please note: If an existing HBAL member cancels, affiliate members also cancel. <a href="/uploads/34/File/AffiliateApplication.pdf">Application </a> For more information you may contact Nicole at <a href="mailto:nicole@hbal.com">nicole@hbal.com</a> or by calling 429-6000. Registered Builder or Registered Remodelor Membership For more information you may contact Margie at <a href="mailto:margie@hbal.com">margie@hbal.com</a> or by calling 429-6000. Associate Builder or Associate Remodelor Membership For more information you may contact Margie at <a href="mailto:margie@hbal.com">margie@hbal.com</a> or by calling 429-6000. Join/Renew http://www.hbal.com/site/join-hbal/join-renew.html 2010-01-12T14:57:27Z

Applications http://www.hbal.com/site/join-hbal/applications.html 2010-01-12T15:06:00Z

Associate Member Application To print an application and mail your check in please print the Application from the pdf provided. <a target="_blank" href="/uploads/34/File/ApplicationAssociate.pdf">HBAL PDF ASSOCIATE APPLICATION FOR PRINT</a> Affiliate Member Application To print an application and mail your check in, please print the Application from the pdf provided. <a target="_blank" href="/uploads/34/File/AffiliateApplication.pdf">HBAL PDF AFFILIATE APPLICATION FOR PRINT</a> Registered Remodelor Application <a href="/uploads/34/File/Remodelor_Application_4-06.pdf">click here</a> to download a pdf version of the application. Call Margie at 502-429-6000 (or e-mail <a href="mailto:margie@hbal.com">margie@hbal.com</a>) if you have any questions or would like to have an application sent to you.}   Registered Builder Application  <a href="/uploads/34/File/Builder_Application_4-06.pdf">click here</a> to download a pdf version of an application. Call Margie at 502-429-6000 (or e-mail <a href="mailto:margie@hbal.com">margie@hbal.com</a>) if you have any questions or would like an application sent to you. Associate Builder/Remodeler Application click here to download an application in pdf format. Call Margie at 502-429-6000 (or e-mail <a href="mailto:margie@hbal.com">margie@hbal.com</a>) with questions or to have this application sent to you. Registered Builder/ Registered Remodelor Requirements http://www.hbal.com/site/join-hbal/registered-builder-registered-remodelor-requirements.html 2008-08-28T06:36:07Z

Registered Builder Program Requirements: New Applicants for Registered Builder membership who are currently building within the HBAL jurisdiction shall meet the following requirements unless waived by the Register Builder Committee: A. Have an acceptable credit report. B. Have two (2) Registered Builder/Remodeler sponsors who have personal knowledge of the applicant's business integrity and construction activity. C. Have been in the construction business for a period of five (5) years under own company name. D. Have controlled and supervised all phases, including the financial and "on-site" responsibilities of a minimum of ten (10) houses. E. Whose principal income is derived from the building of dwellng units and/or related real estate activities. F. Submit names of ten (10) previous customers for purposes of reference- eight (8)must respond would recommend to another client. G. Appear before the Registered Builder Committee for a personal interview. H. Meet all education requirements- eight (8) hours yearly. New Applicants for Registered Builder membership who are transferring with reciprocal agreement from another association to Home Builders Association of Louisville shall meet the following requirements unless waived by the Registered Builder Committee: A. Applicant must submit standard application with applicant being owner; local principal, chief operating officer or corporate officer being designated on application as builder representative for membership. B. Meet all education requirements- eight (8) hours yearly. C. A letter of recommendation must be obtained from applicant's home association and signed by the association's executive officer and the President of the association. D. Applicant (builder) must have been a member of his/her home association prior to November, 1987 in order fro the eight (8) continuous education requirements to be waived with the exception of the mandatory orientation and codes class requirement. E. Have an acceptable credit report. F. Have two (2) Registered Builder/Remodeler sponsors who have personal knowledge of the applicant's business integrity and construction activity. G. Have been in the construction business for a period of five (5) years under own company name. H. Have controlled and supervised all phases, including the financial and "on-site" responsibilities of a minimum of ten (10) houses. I. Whose principal income is derived from the building of dwellng units and/or related real estate activities. J. Submit names of ten (10) previous customers for purposes of reference- eight (8)must respond would recommend to another client. K. Appear before the Registered Builder Committee for a personal interview. New Applicants for Registered Builder membership who have completed the Associate Builder/ Remodeler Program shall meet the following requirements unless waived by the Registered Builder Committee: A. Have an acceptable credit report. B. Have two (2) Registered Builder/ Remodelor sponsors who have personal knowledge of the applicant's business integrity and construction activity. C. Must be in the construction business under own company name. D. Have controlled and supervised all phases, including the financial and "on-site" responsibilities of a minimum of ten (10) houses. E. Whose principal income is derived from the building of dwellng units and/or related real estate activities. F. Submit names of ten (10) previous customers for purposes of reference- eight must respond would recommend to another client. G. Appear before the Registered Builder Committee for a personal interview. H. Must have completed Associate Builder/ Remodeler education credits within first three (3) years of being approved as a member. I. Meet all education requirements- eight (8) hours yearly. Registered Remodeler Requirements: In order to qualify for the Registered Remodelor Program, one must be able to answer yes to ALL of the following items: A. Have acceptable credit report. B. Have operated under their own business name for a minimum period of five (5) years. C. Have Certificates of Insurance for Workers' Compensation and Liability. D. Have controlled and supervised all phases, including the financial and "on-site" responsibilities of a minimum of ten (10) residential structural remodeling projects that were permitted. The ten (10) projects for the Home Improvement Specialist do not have to be structural or permitted. E. Agree to satisfy the educational requirements- eight (8) hours yearly. F. Whose principal income is derived from the specified activity. G. Must have submitted City, County, and State Identification numbers (where applicable). Applicants for Registered Remodeler membership must appear before the Registered Builder Committee for a personal interview. Applicants for Home Improvement Specialist membership must meet with members of the Remodeler Council Executive Committee. Two HBAL Builder/Remodeler member sponsors must sign for the applicant if applying for the Registered Remodeler membership. These two sponsors must have m et with applicant and reviewed units/projects completed by the applicant . Two HBAL member  sponsors must sign for the applicant of the Home Improvement Specialist membershiop- one of which must be a Registered Remodeler who has met with the applicant and reviewed units/projects compeleted by the applicant.   Networking through HBAL http://www.hbal.com/site/join-hbal/networking-through-hbal.html 2009-04-01T11:01:37Z

HBAL Functions & Activities MONTHLY GENERAL MEMBERSHIP MEETINGS Except for the months of March, June, July, August and September, general membership meetings are typically held on the first Monday of each month. These meetings give members the opportunity to socialize, make new business contacts, enjoy an excellent dinner and hear speaker presentations on a wide variety of subjects. The meetings vary in their style. Sometimes it is a dinner or lunch meeting and others may just be a "cocktail party." Each meeting offers member companies the ability to sponsor a table. For more information please contact <a href="mailto:robin@hbal.com">robin@hbal.com</a> or <a href="mailto:kathie@hbal.com">kathie@hbal.com</a>. NATIONAL HOME BUILDERS CONVENTION – January/February Each year in January, dozens of members from Louisville depart for five days of intensive educational programs and industry exhibits at one of the nation’s largest trade shows, the "International Builder's Show," NAHB's Annual National Convention. Contact <a href="mailto:robin@hbal.com">robin@hbal.com</a> if you are interested in attending the convention or go online to <a href="http://www.nahb.org">www.nahb.org</a>. SALES & MARKETING COUNCIL’S DEVELOPER’S FAIR – March Each year, the SMC presents a Developer’s Fair, in which developers present information on location, lot sizes, prices, and amenities (such as a club house) for new and existing developments in the area. More than fifty developments are usually on hand at this event. Both Builders and Real Estate Agents attend free of charge. Sponsorships are also available for this event. Contact <a href="mailto:kathie@hbal.com">kathie@hbal.com</a> for more information. CHARITY GOLF OUTING – June The Social Responsibility Committee of the HBAL holds its annual Charity Golf Outing each year at a very prestigious golf club inLouisville. The golf outing is always a sell-out and the money raised each year is donated to a local charity. Sponsorships of all levels are available for this outing. Please contact <a href="mailto:robin@hbal.com">robin@hbal.com</a> or <a href="mailto:jessica@hbal.com">jessica@hbal.com</a> for more information. HOMEARAMA – July For decades Homearama has brought new homes to the forefront. Continuing its fine tradition, this event allows tens of thousands of shoppers to tour the best that a new home has to offer. New home shopping, decorating, furniture, home products and ideas all are found at Homearama each year. If you are a builder, Homearama is the only place that brings you almost every are new home shopper to your doorstep every year. If you are an Associate Member, this is the time to show off your newest and best product and/or service. Booth space is available at the entry to the event. Members are invited to attend the "Preview Party Night" at Homearama, an event that gives them the opportunity to take a look at the homes prior to opening to the public. Also, all members have the ability to purchase discount tickets to the Show for their employees. For more information contact <a href="mailto:gail@hbal.com">gail@hbal.com</a>. ANNUAL HBAL GOLF OUTING - September The Association's annual golf outing is a very popular event among HBAL Members, drawing nearly 210 golfers each year. A golf scramble, hole-in-one, closest-to-the-hole contests, a nail driving contest, and the annual Builder-Associate softball game take place during this fun filled day. Golfers are treated to complimentary beverages and snacks throughout the day and each golfer receives a special gift. Immediately following golf a buffet (lunch/dinner) is served – this too is free to the golfers. There is a fee for the meal for anyone attending that does not golf. For more information about the outing or how your company can be a sponsor at this event please contact <a href="mailto:jessica@hbal.com">kimp@hbal.com</a>. REMODELERS AWARDS BANQUET – October/November Another black-tie event is the lavish and entertaining Remodelers Council Awards Banquet, held in October or November. This "by invitation-only" event spotlights each individual that won awards from the Remodelors Council during the year. It is a grand experience enjoyed by both remodelers and their invited guests. HBAL members have the opportunity to sponsor the Remodelor’s Council Awards Banquet in a variety of ways. For more information contact <a href="mailto:margie@hbal.com">margie@hbal.com</a>. BUILDER APPRECIATION NIGHT- February The annual Builder Appreciation Night (formerly Associates Table Top Night) spotlights the latest in products and services of the Associate members. Members display their products to a prime audience of Builder and Remodeler members in an informal trade show setting. The displays are set-up and open for three hours. Admission to Builder Appreciation Night is free and only open to HBAL Members. Contact <a href="mailto:kimp@hbal.com">kimp@hbal.com</a> for more information. STATE CONVENTION – February/March The Home Builders Association of Kentucky holds their annual convention in a variety of locations around the state. The State convention offers members educational opportunities as well as intense networking with members throughout the state. Visit the State’s web site at <a href="http://cm3.missiondata.com/javascripts/fckeditor/editor/www.hbak.com">www.hbak.com</a> for more information. HOME, GARDEN AND REMODELING SHOW- March The Home, Garden & Remodeling Show is one of the larger Consumer Home Shows in the country with 300,000 square feet of floor space. Exhibits for the Home Show are not required to hold a membership with the HBAL, but members of the HBAL do receive a $150 discount. The three day event draws nearly 40,000 visitors and is over 59 years old. Also, all members have the ability to purchase discount tickets to the Show for their employees. For more information please visit the Home Show website at <a href="http://cm3.missiondata.com/javascripts/fckeditor/editor/www.louisvillehomeshow.com">www.louisvillehomeshow.com</a> or contact <a href="mailto:gail@hbal.com">gail@hbal.com</a>. Insurance Programs http://www.hbal.com/site/join-hbal/insurance-programs.html 2008-08-28T06:39:01Z

Health Insurance: The HBAL is a member of Blue Cross/Blue Shield group insurance plan called IMPACT, which offers quality health insurance for members and their employees at costs that are normally well below market rates. Contact: Logan Lavelle Hunt Insurance/ Winston & Company Benefits 11420 Bluegrass Pkwy Louisville, KY 40299 502.425.1516 <a href="http://www.llhins.com">http://www.llhins.com</a> Workers Compensation: The HBAL is also a member of the AGC-SIF, a Workers Compensation self-insured fund. For nearly all members, the savings by using this program easily pays annual dues. Liability and General Business Insurance: The HBAL also participates in several other insurance plans including General Liability, Business Insurance and a Retirement program. Search Insurance Companies: <a target="_blank" href="http://membermax.hbal.com/Scripts/4Disapi.dll/4DCGI/search/search.html?Time=-955954211&SessionID=281pv6f850q002dyxy3140h4arzup613trcjel2825t9910vjopck1w10160m76p">Click Here</a> Code of Ethics http://www.hbal.com/site/join-hbal/code-of-ethics.html 2008-08-28T06:45:59Z

Code of Ethics • MEMBERS shall constantly seek to provide better values, so that an even greater share of our people may enjoy the benefits of home ownership. • MEMBERS shall strive to develop the efficiency of the home building industry to the end that labor may receive its just and proper award. • MEMBERS shall at all times contribute their knowledge in home building to the best interest of those they serve. • MEMBERS shall not knowingly enter into any contract, the terms which may imperil the rights of either labor or the suppliers of material to receive a fair return for services or goods furnished. • MEMBERS shall not obtain any business by means of fraudulent statements or by use of implications unwarranted by fact or reasonable probability. • MEMBERS shall comply both in sprint and letter with rules and regulations prescribed by law and government agencies for the health, safety and progress of community. • MEMBERS shall be alert to examine proposed or enacted legislation detrimental to social, economic and political progress. • MEMBERS shall not perform, or cause to be performed, any act which would tend to reflect on, or bring into disrepute, any part of the home building industry. Education Department http://www.hbal.com/site/join-hbal/education-department.html 2009-12-28T14:39:07Z

<img width="190" height="88" alt="" src="/uploads/34/Image/edu_login_logo.gif" /> The Education Department offers the members the educational courses and seminars year-round and has an ever-expanding curriculum. The HBAL is fortunate in that it offers courses for its members at an affordable price and a majority of the classes are held at the Home Building Center. Not only can members obtain credits but non-members as well. All of the courses that are approved for the Louisville Metro Inspections, Permits & Licensing Department Credit are open for non-members as well. Please check the schedule for classes approved by IPL. Contact <a href="mailto:margie@hbal.com">margie@hbal.com</a> or <a href="mailto:nicole@hbal.com">nicole@hbal.com</a> for more information. <a href="http://www.hbal.com/site/education-department/education-calendar.html">Calendar of Education Classes </a> <a class="text" href="http://membermax.hbal.com/Scripts/4Disapi.dll/4DCGI/events/ConferenceList.html?Action=Find_Events&Time=-956933242&SessionID=281pv6f850q002dyxy3140h4arzup613trcjel2825t9910vjopck1w10160m76p">HBAL Education Dept. Class Registration</a> Sponsored by: <a target="_blank" href="http://www.trane.com/Default.asp"><img width="212" height="99" alt="" src="/uploads/34/Image/TRNBOTCLweb.jpg" /></a>   <a target="_blank" href="http://www.bolandmaloney.com/"><img alt="" style="width: 107px; height: 66px;" src="/uploads/34/Image/Boland2CLgweb.jpg" /></a>   Committees http://www.hbal.com/site/join-hbal/committees.html 2009-12-08T11:25:57Z

Committees of the HBAL ACTIVATION & RETENTION COMMITTEE Chairman: Rob Eberenz The Activation Committee works on increasing involvement in Association activities by Builder and Associate Members. For more information on the Activation Committee contact Nicole Bouchard at <a href="mailto:nicole@hbal.com">nicole@hbal.com</a>. ADVERTISING AND PUBLIC RELATIONS COMMITTEE Chairman: Stan Logan, Jr. The Advertising and Public Relations Committeeis an integral part of the HBAL when it comes to the promotion of our members. This committee looks at the membership as a whole and all the counties it encompasses when promoting the HBAL to consumers. The committee encourages members to use the HBAL logo on all business related items, and promotes the association’s members to the local media and appropriate statewide and national outlets. Contact Tara Brinkmoeller at <a href="mailto:tara@hbal.com">tara@hbal.com</a> for more information. ASSOCIATES ADVISORY COMMITTEE Chairman: Larry Link The Associate membership of the HBAL contributes in many vital ways to the Association and the community. By their membership, the HBAL is a much stronger and larger organization than it would be if it were composed only of builders and remodelers. This in turn makes the Association a force to be reckoned with, a loud voice in support of the housing industry. The committee oversees the new Premier Associate Program and is responsible for approving Premier applications and announcing the appointees to the membership. The Associates Advisory Committee, comprised solely of Associate members, represents the interests of each member and, not surprisingly, sponsors the annual "HBAL Golf Outing", the "Associate's Table Top Night." Increased business contacts are an important benefit for Associate members. The monthly general membership meetings, social events, educational programs and committee work provide members with the opportunity to meet in an informal setting and discuss business. The Associates Advisory Committee is constant in its participation and dedication to the spirit and goals of the association. BUILDING INDUSTRY CHARITABLE FOUNDATION Chairman: Dave French The conscience of the industry dictates that the association anticipate and act on the needs in the community that go unmet by government or other charities. The Social Responsibility Committee is charged with finding ways of helping needy individuals or worthwhile causes, either through direct participation or direct monetary contribution. This Committee also raises money through an annual Charity Golf Outing. The Committee has donated money and services through the HBAL over the years that have benefited organizations such as: Habitat For Humanity, YouthBuild, the Beacon House, Dream Factory of Louisville, Cabbage Patch Settlement House, ALS (Lou Gehrig’s Disease), and the Home of the Innocents. Contact Robin Durham at <a href="mailto:robin@hbal.com">robin@hbal.com</a> or Jessica Embry at <a href="mailto:jessica@hbal.com">jessica@hbal.com</a> for more information. LOUISVILLE'S BEST NEW HOMES TV SHOW COMMITTEE Chairman: David Ernst "Louisville’s Best New Homes" television show is one of the leading programs in the country when it comes to promoting HBA members to consumers. This committee works to make this show fresh and fun year after year and determines the best ways in which to promote the program.Contact Tara Brinkmoeller at <a href="mailto:tara@hbal.com">tara@hbal.com</a>  for more information. CODES AND STANDARDS COMMITTEE Chairman: Perry Lyons The Codes and Standards Committee meets monthly or bi-monthly with local building officials to discuss building, plumbing, electrical, fire, HVAC, code changes and revisions. Many potential problems from misinterpretation are alleviated before they occur by the hard work of this committee. For more information please contact Jessica Embry at <a href="mailto:jessica@hbal.com">jessica@hbal.com</a>. EDUCATION COMMITTEE Chairman: Terry Chynoweth The HBAL continuously strives to increase the level of professionalism within the housing industry. By providing educational seminars and courses conducted by leading professionals in various housing-related industries, members are kept up to date on new technology, improved construction methods and changing demographics. Through the work of the Education Committee the HBAL Education Department was created. The Education Department offers the members the educational courses and seminars year-round and has an ever-expanding curriculum. The HBAL is fortunate in that it offers courses to its members at an affordable price and a majority of the classes are held at the Home Building Center. Not only can members obtain credits but non-members as well. All of the courses that are approved for Jefferson County Code Enforcement Department Credit are open for non-members as well. The HBAL also offers continuing education courses for real estate agents. Please check the schedule for classes approved by Jefferson County Code Enforcement and the Kentucky Real Estate Commission. Contact Margie Brangers at <a href="mailto:margie@hbal.com">Margie@hbal.com</a> for more information. LAND DEVELOPMENT COMMITTEE Chairman: Rocky Pusateri The Louisville metro area maintains an outstanding national reputation of providing beautifully designed developments at affordable prices, thus directly benefiting the whole community both aesthetically and economically. Safeguarding this reputation is the duty of the Land Development Committee, which meets regularly with government and utility leaders to discuss, evaluate and determine issues that could affect the housing industry's ability to provide the best product at the lowest cost. The committee has assisted in implementing: 1. Water service expansion by the Louisville Water Company. 2. Sediment Erosion Policy developed by the Committee and adopted by the Board of the HBAL. 3. Regular meetings with leaders of the Metropolitan Sewer District. 4. Meetings with Louisville Gas & Electric to set policy on temporary service, and other installation issues. 5. Regular meetings with the staff of the Jefferson County Planning Commission to determine policy regarding the Comprehensive Land Plan. For more information about the Land Development Committee contact Robin Durham at <a href="mailto:robin@hbal.com">robin@hbal.com</a>. MEMBERSHIP COMMITTEE Chairman:  Billy Doelker The Membership and Retention Committee recruits new members and works to retain existing members. This committee has been the backbone of the Association, working to keep the HBAL among the top 5 local builder associations in the country. The HBAL boasts over1,940 member companies. For more information contact Nicole Bouchard at <a href="mailto:nicole@hbal.com">nicole@hbal.com</a>. Councils http://www.hbal.com/site/join-hbal/councils.html 2009-12-15T15:15:38Z

<div align="center" style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Councils of the HBAL</div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">SALES AND MARKETING COUNCIL </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairman: Pat Durham </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">As home buyers become more and more sophisticated, the importance of knowing what to build, where to build it, and how to best sell it becomes more critical. Builders, agents and lenders can learn more about selling in today's market through the HBAL's Sales and Marketing Council (SMC).</div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Affiliated with the National Association of Home Builders' National Sales and Marketing Council, the Louisville SMC's primary goal is to increase the professionalism of new home sales and marketing.</div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Each year, the SMC presents a DEVELOPERS FAIR, in which developers present information on location, lot sizes, prices, and amenities (such as a club house) for new and existing developments in the area. They also have an annual awards banquet that recognizes top sales agents and Builder members of the HBAL. For more information on the SMC contact <a href="mailto:gail@hbal.com">Gail Schell.</a></div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;"> </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">COMMERCIAL COUNCIL </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairmen: Bob Duane & John Hollenbach </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;"> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairman: Teresa MorganThe Commercial Council’s purpose is to identify and isolate those issues that impact the commercial/industrial development process, develop a set of goals, objectives and an action plan to improve each of those. The Commercial Council will address relevant topics such as:  rezoning; the planning and development review process; land development policy; environmental policy; economic development; building codes; education; governmental and political interaction.  These and any other issues will be addressed in conjunction with the following existing HBAL committees</div> For more information on the Commercial Council contact <a href="mailto:tara@hbal.com">Tara Brinkmoeller</a>. REMODELORS COUNCIL </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairman: Todd Stengal </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">The Remodelors Council of the HBAL was formed in 1976 to improve the image of the remodeling industry and to increase the professionalism of remodeling contractors. Today the Remodelors Council produces an annual Tour of Remodeled Homes and a prestigious awards program. Members are also eligible to participate in state and national award programs. For more information contact <a href="mailto:margie@hbal.com">Margie Brangers</a>. </div> <div style="margin: 0pt; line-height: 14.25pt;"> BULLITT / SPENCER COUNTY COUNCIL </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairman: Derek Smothers</div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">The Bullitt / Spencer County Council consists of members of the Home Builders Association that work in the Bullitt & Spencer Counties market. Members of the Council must be current members of the HBAL. Monthly lunch meetings, held at the Paroquet Conference Center, offer everyone in the residential construction industry a chance to network with other companies working in the area. Meeting topics vary each month. Annual membership fees are $25. For more information or an application for the Council please e-mail <a href="mailto:jessica@hbal.com">Jessica Embry</a>. OLDHAM COUNTY COUNCIL </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairman: Jeremy Espositio </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">The Oldham County Council consists of members of the Home Builders Association that work in the Oldham County market. Members of the Council must be current members of the HBAL. Monthly luncheon meetings, held at the Oldham County Community Center, offer everyone in the residential construction industry a chance to network with other companies working in the area. Meeting topics vary each month. Annual membership fees are $25. For more information or an application for the Council please contact <a href="mailto:nicole@hbal.com">Nicole Burchard</a>. SHELBY COUNTY COUNCIL</div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">Chairperson: Torrey Smith </div> <div style="margin: 0pt 0pt 10pt; line-height: 14.25pt;">The Shelby County Council consists of members of the HBAL and non-members of the HBAL. The luncheon meetings are held generally on the first Tuesday of the month at Claudia Sanders Dinner House. You have an opportunity to be closely involved with the people in the Shelby County Area that are involved directly with the Housing Industry. The council membership is just $25.00 for one year. Contact <a href="mailto:nicole@hbal.com">Nicole Bouchard</a> for more information on this council. </div>

The Worker, Homeownership, and Business Assistance Act of 2009 has extended the tax credit of up to $8,000 for qualified first-time home buyers purchasing a principal residence. It also authorized a tax credit of up to $6,500 for qualified repeat home buyers.

<h1>Buy Now, Buy New, SAVE THOU$AND$! <script type="text/javascript">var addthis_pub="brianmillerhbal";</script><a href="http://www.addthis.com/bookmark.php?v=20" onmouseover="return addthis_open(this, '', '[URL]', '[TITLE]')" onmouseout="addthis_close()" onclick="return addthis_sendto()"><img width="125" height="16" src="http://s7.addthis.com/static/btn/lg-share-en.gif" alt="Bookmark and Share" style="border: 0px none ;" /></a><script type="text/javascript" src="http://s7.addthis.com/js/200/addthis_widget.js"></script> </h1> When buying a new home be sure to use a <a href="http://www.hbal.com/site/about-hbal/what-is-a-registered-builder.html">Registered Builder!</a> If you live outside the Louisville area check with <a href="http://www.hbak.com/">Home Builders Association of KY</a> to find a Registered Builder in your area.     <h2><a href="http://www.revenue.ky.gov/dyq.htm" target="_blank"><img width="500" height="50" src="/uploads/34/Image/5000webgraphic.jpg" alt="" /> </a></h2> The New Home Tax Credit is a nonrefundable credit, up to $5000, against individual income tax allowable to a qualified buyer, provided a cap of $25,000,000 for all approved New Home Tax Credits has not been met. <meta content="" name="Title"> <meta content="" name="Keywords"> <meta content="text/html; charset=utf-8" http-equiv="Content-Type"> <meta content="Word.Document" name="ProgId"> <meta content="Microsoft Word 11" name="Generator"> <meta content="Microsoft Word 11" name="Originator"> <link href="file://localhost/Users/scottdudgeon/Library/Caches/TemporaryItems/msoclip1/01/clip_filelist.xml" rel="File-List" />  <style type="text/css"></style>  <meta content="" name="Title"> <meta content="" name="Keywords"> <meta content="text/html; charset=utf-8" http-equiv="Content-Type"> <meta content="Word.Document" name="ProgId"> <meta content="Microsoft Word 11" name="Generator"> <meta content="Microsoft Word 11" name="Originator"> <link href="file://localhost/Users/scottdudgeon/Library/Caches/TemporaryItems/msoclip1/01/clip_filelist.xml" rel="File-List" />  <style type="text/css"></style> </meta> </meta> </meta> </meta> </meta> </meta> </meta> </meta> </meta> </meta> </meta> </meta> •    The up to $5,000 state income tax credit can be applied against state tax liability for the purchase of a new, not previously occupied home in the state of Kentucky. •    To qualify you must fax the New Home Tax Credit form to the Department of Revenue at (502) 564-3706 within seven (7) days of the closing. •    The tax credit is non-refundable, meaning you will not receive a refund of any unused portion and may not be carried forward or backward to another year. •    The home purchased must be a single family dwelling that will be used as the primary residence for at least two years. •    New homes must be purchased, with a complete sale by July 26, 2010 to qualify.  To Apply For the Credit:  <ul> <li>Submit a Kentucky Form 40A103 Application for New Home Tax Credit application via fax within seven (7) calendar days of the escrow closing between the buyer and the seller. </li> <li>Kentucky Form 40A103 may be accessed via <a href="/uploads/34/File/09_40A103.pdf">link to application</a>. </li> <li>FAX to the Department of Revenue at (502) 564-3706</li> </ul> <hr />   <h2><a href="http://www.federalhousingtaxcredit.com/" target="_blank"><img width="500" height="50" src="/uploads/34/Image/6500webgraphic.jpg" alt="" /> </a></h2>   The Worker, Homeownership, and Business Assistance Act of 2009 has authorized a tax credit of up to $6,500 for qualified repeat home buyers. <meta name="Title" content="">  <meta name="Keywords" content=""> <meta http-equiv="Content-Type" content="text/html; charset=utf-8"> <meta name="ProgId" content="Word.Document"> <meta name="Generator" content="Microsoft Word 11"> <meta name="Originator" content="Microsoft Word 11"> <link rel="File-List" href="file://localhost/Users/scottdudgeon/Library/Caches/TemporaryItems/msoclip1/01/clip_filelist.xml" />  <style type="text/css"></style>  </meta> </meta> </meta> </meta> </meta> </meta> <meta name="Title" content=""> <meta name="Keywords" content=""> <meta http-equiv="Content-Type" content="text/html; charset=utf-8"> <meta name="ProgId" content="Word.Document"> <meta name="Generator" content="Microsoft Word 11"> <meta name="Originator" content="Microsoft Word 11"> <link rel="File-List" href="file://localhost/Users/scottdudgeon/Library/Caches/TemporaryItems/msoclip1/01/clip_filelist.xml" />  <style type="text/css"></style> </meta> </meta> </meta> </meta> </meta> </meta> •    The $6,500 tax credit is available for repeat buyers who have lived in their primary residence consecutively for five of the last eight years. Repeat buyers do not have to purchase a home that is more expensive than their previous home to receive the tax credit. •    The tax credit can be applied to the purchase of a new or existing home. •    The tax credit is equal to 10 percent of the purchase price of the home up to $6,500. •    The purchase price of the home must be $800,000 or less to qualify. •    The income limitations to qualify must be less than $125,000 for an individual and less than $225,000 for joint filers. •    The tax credit is refundable and does not have to be paid back unless the home owner sold the home within three years after purchase. •    Qualifying homes will be under a binding contract for purchase by April 30, 2010 and will have completed the sale by June 30, 2010. <ul type="disc" style="margin-top: 0in;"><o:p></o:p> </ul>  <a href="http://www.federalhousingtaxcredit.com/faq2.php" target="_parent">Frequently asked questions about the $6,500 tax credit for repeat home buyers.</a> <a href="http://www.nahb.org/generic.aspx?sectionID=1360&genericContentID=128298">2009-2010 Home Buyer Federal Tax Credit Fact Sheet from NAHB</a> <hr /> <h2> </h2> <h2><img width="500" height="50" src="/uploads/34/Image/8000webgraphic.jpg" alt="" /></h2> The Worker, Homeownership, and Business Assistance Act of 2009 has extended the tax credit of up to $8,000 for qualified first-time home buyers purchasing a principal residence. <meta content="" name="Title"> <meta content="" name="Keywords"> <meta content="text/html; charset=utf-8" http-equiv="Content-Type"> <meta content="Word.Document" name="ProgId"> <meta content="Microsoft Word 11" name="Generator"> <meta content="Microsoft Word 11" name="Originator"> <link href="file://localhost/Users/scottdudgeon/Library/Caches/TemporaryItems/msoclip1/01/clip_filelist.xml" rel="File-List" />  <style type="text/css"></style>  </meta> </meta> </meta> </meta> </meta> </meta> <meta name="Title" content=""> <meta name="Keywords" content=""> <meta http-equiv="Content-Type" content="text/html; charset=utf-8"> <meta name="ProgId" content="Word.Document"> <meta name="Generator" content="Microsoft Word 11"> <meta name="Originator" content="Microsoft Word 11"> <link rel="File-List" href="file://localhost/Users/scottdudgeon/Library/Caches/TemporaryItems/msoclip1/01/clip_filelist.xml" />  <style type="text/css"></style> </meta> </meta> </meta> </meta> </meta> </meta> •    The $8,000 tax credit is available for first-time buyers only. •    The tax credit can be applied to the purchase of a new or existing home. •    A first-time buyer is defined as a person who has not owned a principal residence during the three-year period prior to the purchase. •    The tax credit is equal to 10 percent of the purchase price of the home up to $8,000. •    The income limitations to qualify must be less than $125,000 for an individual and less than $225,000 for joint filers. •    The tax credit is refundable and does not have to be paid back unless the home owner sold the home within three years after purchase. •    Qualifying homes will be under a binding contract for purchase by April 30, 2010 and will have completed the sale by June 30, 2010. <ul type="disc" style="margin-top: 0in;"><o:p></o:p> </ul>  <a href="http://www.federalhousingtaxcredit.com/faq1.php" target="_parent">Frequently asked questions about the $8,000 first-time home buyer tax credit.</a> <a href="http://www.nahb.org/generic.aspx?sectionID=1360&genericContentID=128298">2009-2010 Home Buyer Federal Tax Credit Fact Sheet from NAHB</a> <hr /> <h2> </h2> <h2><a href="http://www.kyhousing.org/page.aspx?id=1942&terms=Mortgage+Credit"><img width="500" height="50" src="/uploads/34/Image/2000webgraphic.jpg" alt="" /></a></h2> A Mortgage Credit Certificates (MCC) reduces the amount of federal income tax you pay, giving you more available income to qualify for a mortgage loan.  MCCs are NOT mortgages.  They are tax credits that put extra cash in your pocket each month, so you can more easily afford a house payment. <meta name="Title" content=""> <meta name="Keywords" content=""> <meta http-equiv="Content-Type" content="text/html; charset=utf-8"> <meta name="ProgId" content="Word.Document"> <meta name="Generator" content="Microsoft Word 11"> <meta name="Originator" content="Microsoft Word 11"> <link rel="File-List" href="file://localhost/Users/scottdudgeon/Library/Caches/TemporaryItems/msoclip1/01/clip_filelist.xml" />  <style type="text/css"></style>  </meta> </meta> </meta> </meta> </meta> </meta> <meta name="Title" content=""> <meta name="Keywords" content=""> <meta http-equiv="Content-Type" content="text/html; charset=utf-8"> <meta name="ProgId" content="Word.Document"> <meta name="Generator" content="Microsoft Word 11"> <meta name="Originator" content="Microsoft Word 11"> <link rel="File-List" href="file://localhost/Users/scottdudgeon/Library/Caches/TemporaryItems/msoclip1/01/clip_filelist.xml" />  <style type="text/css"></style> </meta> </meta> </meta> </meta> </meta> </meta> •    Through the Kentucky Housing Corporation, the federal government allows first time homeowner an income tax deduction for part of the interest paid each year on a mortgage loan. The Mortgage Credit Certificate gives you a tax credit of up to $2,000 each year (25% of total interest), which reduces the amount of federal income tax you pay and puts more money in your pocket during the year. •    The credit can be taken for the life of the loan. If you sell your home before nine years you could be subject to a Federal Recapture Tax.   <a href="http://www.kyhousing.org/uploadedFiles/Homeownership/Homebuyers/MCC%20Brochure.pdf?n=4295" title="MCC Brochure for Homebuyer">MCC Brochure</a>  <hr /> <h2> </h2> <h2>Videos Explaining the Tax Credits:</h2> <object width="425" height="344"> <param value="http://www.youtube.com/v/JGhqiQCtao8&hl=en&fs=1" name="movie" /> <param value="true" name="allowFullScreen" /> <param value="always" name="allowscriptaccess" /><embed width="425" height="344" allowfullscreen="true" allowscriptaccess="always" type="application/x-shockwave-flash" src="http://www.youtube.com/v/JGhqiQCtao8&hl=en&fs=1"></embed></object> <h2><object width="425" height="344"> <param value="http://www.youtube.com/v/4xA1wlJjJKA&hl=en_US&fs=1&color1=0x006699&color2=0x54abd6" name="movie" /> <param value="true" name="allowFullScreen" /> <param value="always" name="allowscriptaccess" /><embed width="425" height="344" allowfullscreen="true" allowscriptaccess="always" type="application/x-shockwave-flash" src="http://www.youtube.com/v/4xA1wlJjJKA&hl=en_US&fs=1&color1=0x006699&color2=0x54abd6"></embed></object></h2> <h2><object width="425" height="344"> <param name="movie" value="http://www.youtube.com/v/8I3kIrBQsUM&hl=en_US&fs=1&color1=0x006699&color2=0x54abd6" /> <param name="allowFullScreen" value="true" /> <param name="allowscriptaccess" value="always" /><embed width="425" height="344" src="http://www.youtube.com/v/8I3kIrBQsUM&hl=en_US&fs=1&color1=0x006699&color2=0x54abd6" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true"></embed></object></h2>

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Home Buyer Tax Credits

2010-01-22T14:16:46-05:00

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