Posted on June 28, 2016 8:56 am

During our June Board Meeting, the Board builder members nominated several Associate members as candidates for our Associate of the Year 2016. We would like to recognize the following nominees for the projects they have worked on to better our industry for all:

Richard Forsten, Saul Ewing LLP –  principal author and spearheading our efforts for Bring New Jobs to Delaware Act, presently under consideration by the Delaware General Assembly (House Bill 396).

Jim McCulley, Watershed Eco LLC – for organizing the Associates Lobbying 101 class we are holding, and representing us at NAHB during recent meetings related to the Chesapeake Bay cleanup work

Damien Golden, iKANDE Advertising – for her artistic expertise in the design of the Legacy Ball invitations and collateral materials

Mike Riemann, Becker Morgan Group – as our representative protecting our interests at the State Clean Water Task Force and RAC Committee

Thank you all for your contributions to bettering our industry and supporting our Association.  Congratulations on your nomination!


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OFFICE LOCATION: 820 N. French Street, Wilmington, DE

OPENING DATE: 6/22/16                                                    CLOSING DATE: 7/6/16

This non-state position is located in Wilmington, DE and is responsible for the daily operations of a variety of housing loan or grant programs, evaluating their effectiveness and recommending new or modification of existing programs, policies, procedures, guidelines, etc. Programs assigned may include, but are not limited to: the Single Family Mortgage Revenue Bond program, Second Mortgage Assistance Loans, Delaware Housing Partnership, Housing Rehabilitation Loan Program, Neighborhood Revitalization Program, and Delaware Emergency Mortgage Assistance Program. The incumbent is responsible for overseeing and administering the full spectrum of duties under assigned programs, including but not limited to working with borrowers/lenders/contractors to process applications, analyzing program effectiveness, developing improvements/solutions, preparing systems for reporting program activity, overseeing the servicing of loans, monitoring loan portfolio performance, monitoring contractor performance, etc. to ensure assigned programs are effectively and efficiently meeting the needs of DSHA’s customers.

Applicants must possess training, education or experience demonstrating competence in each of the following areas:
1. Experience, education and/or training in mortgage lending, loan underwriting practices and compliance.
2. Proficiency with MS Office, data management software, and preparing analytical and
quantitative reports.
3. Strong analytical and organizational skills.
4. Ability to complete assignments with minimal supervision.
5. Demonstrated effective communication both orally and in writing.

Essential functions are fundamental, core functions and are not intended to be an exhaustive list of all job duties. Since specifications are descriptive and not restrictive, incumbents can complete job duties of similar kind not specifically listed here.

• Acquires and maintains pool insurance coverage on all Single Family mortgages.
Calculates pool insurance premiums for purchased loans. Arranges for payment of
premiums. Monitors reports from pool insurance provider. Resolves problems/discrepancies with provider.
• Prepares all necessary documents for post-closing processes, including the recording of
mortgagees, satisfactions, etc
• Monitors tenant income and hazard insurance under the Housing Rehabilitation Loan
Program by reviewing reports from owner-occupants and landlords to ensure program
compliance. Notifies owner/borrower of non-compliance and corrective action to be
implemented. Follows up to ensure implementation.
• Oversees and evaluates the performance and compliance of loan servicers and other
organizations providing services to DSHA and/or its customers. Recommends corrective
action if necessary.
• Oversees all aspects of property foreclosure and disposition, including but not limited to
coordinating inspections of DSHA owned properties to assess market value, property
condition and needed repairs. Obtains bid for repairs, arranges for payment of expenses
and sale of property. Negotiates costs with mortgage insurers and contractors.
• Uses Mortgage Loan Accounting Software to monitor/evaluate files status, the
effectiveness of programs/projects/lenders/services, recommend alternative financial
resources and determine compliance with applicable state and federal requirements.
• Develops and recommends new, or revisions to, existing programs, policies, procedures,
technological processes, guidelines, to ensure compliance with applicable state and federal laws, rules, regulations to meet the needs of targeted populations and monitors contracts for compliance.
• Prepares and monitors contracts with program participants, servicing agents, processing
agencies and local/community administering agencies for compliance. Works with
contracted agency to resolve problems.
• Attends public meetings, workshops and press events to promote/explain programs and
guidelines. Participates on committees, task forces and public group meetings by
analyzing issues/problems that affect the need for affordable housing/rehabilitation and
providing recommendations for solutions to problems.
• Communicates with lenders, attorneys, mortgage insurance companies, loan servicers,
realtors, contractors, appraisers, local/community administering agency personnel,
housing counselors, the public, DHP Board of Directors, etc., to resolve problems, oversee
and/or train personnel regarding programs, guidelines, procedures, underwriting, loan
closings, etc., negotiate participation with bankers in newly developed programs either as
an originator or investor, explain/promote programs, explain rules, regulations, policies
and procedures, ensure program compliance, etc.
• Prepares financial and programmatic narrative and special reports, correspondence and
maintains records.
• Internally audits files, including the preparation of such files, for the annual audit and
notifies appropriate supervisor(s) of noncompliance.
• Secures program related and/ or confidential documents per document retention policy.
• Maintains license and provide notary services, as specific duties require.
• Provides technical support (program and Mitas online) to lenders and other partners.
• Ensures adherence to program compliance such as monitoring and enforcing continued
hazard insurance and rent regulatory agreement compliance.
• Performs related work as required.

These include up to 15 days vacation and 15 days sick leave accrual, up to 13 paid holidays a year, liberal retirement benefits, health, dental, vision, short and long term disability, and life insurance plans as well as various supplemental benefit options.

APPLICATION PROCEDURES: Applications may be completed on our website at (click on About Us, Employment, Click Here to View All Current Openings, Select job, Scroll Down & Click “Apply Now”) by the  July 6, 2016 Department Contact: e-mail:




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Green house symbol

The term high performance is most often associated with the automobile and technology industries. But a growing number of professionals in the building industry are trying to change that.

As part of High Performance Building Week, an annual event held by the High Performance Building Coalition, experts from across the industry are meeting with congressional representatives in Washington, D.C. and presenting the latest research and insights on efficient commercial and residential construction.

Among those who joined for today’s proceedings was John Barrows, founder of P3 Builder Group, Inc., who also serves as instructor of several NAHB educational courses on business management and green building techniques.

Their goal during an hour-long congressional briefing was to increase awareness among policy makers about the major impacts that different building techniques – especially high-performance and green techniques – can have on public health and safety.

Barrows said that more emphasis is needed on stakeholder and consumer education, as well as an increased reliance on the ICC/ASHRAE 700-2015 National Green Building Standard™ (NGBS).

The NGBS is a green building rating system that assigns points for green and sustainable building practices in the areas of water, resource and energy efficiency, indoor environmental quality, lot and site development and home owner education.

In his comments during the briefing, Barrows highlighted the benefits of green building from the consumer perspective. Though financial incentives like tax credits and reduced utility expenses are still big motivators, he emphasized improved comfort and health as the top two drivers for consumers in today’s market.

“With the downward trend of energy prices in recent years, cost savings have recently become less of a factor,” he said. “But the wise consumer knows [the current energy prices] won’t last forever, and they’re looking for solutions now before all of a sudden prices go back up.”

The latest version of the NGBS was recently approved by the American National Standards Institute. It can be downloaded for free as a PDF from NAHB’s BuilderBooks.


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For Sale Sign


After holding steady for the past four months, builder confidence in the market for newly constructed single-family homes rose two points in June to 60 on the NAHB/Wells Fargo Housing Market Index (HMI), the highest reading since January.

“Builders in many markets across the nation are reporting higher traffic and more committed buyers at their job sites,” said NAHB Chairman Ed Brady. “However, our members are also relating ongoing concerns regarding the shortage of buildable lots and labor and noting pockets of softness in scattered markets.”

“Rising home sales, an improving economy and the fact that the HMI gauge measuring future sales expectations is running at an eight-month high are all positive factors indicating that the housing market should continue to move forward in the second half of 2016,” said NAHB Chief Economist Robert Dietz.

Derived from a monthly survey that NAHB has been conducting for 30 years, the HMI gauges builder perceptions of current single-family home sales and sales expectations for the next six months as “good,” “fair” or “poor.” The survey also asks builders to rate traffic of prospective buyers as “high to very high,” “average” or “low to very low.” Scores for each component are then used to calculate a seasonally adjusted index in which any number over 50 indicates that more builders view conditions as good than poor.

All three components posted gains in June: Current sales conditions rose one point to 64, sales expectations in the next six months increased five points to 70, and the component measuring buyer traffic climbed three points to 47.

Looking at the three-month moving averages for regional HMI scores, the South registered a two-point uptick to 61 and the West rose one point to 68. The Northeast dropped two points to 39 and the Midwest fell one point to 57.

See the complete tables at

View more analysis in this Eye on Housing blog post.

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green HBADE logo 300 dpiLegislative Mall

Join the Home Builders Association of Delaware and RuggerioWillson & Associates for networking and refreshments, followed by the 2016 Annual Legislative Watch. Attend and witness the political process in action on the final day of session. We may need to deal with possible last minute surprises that could impact our industry.


Thursday, June 30th


5:30 PM – 6:30 PM: Refreshments and Legislative Briefing at
RuggerioWillson & Associates LLC
109 E. Division Street, Dover, DE 19901


6:00 PM til Whenever: Legislative Watch at Legislative Hall
411 Legislative Avenue, Dover, DE 19901


Deadline is June 29th, 2016


No Cost to attend, but must RSVP


 Register Now!