Government-sponsored mortgage buyer Freddie Mac said Thursday the average rate for 30-year fixed loans this week was 4.57 percent. That’s the same as a week earlier and the lowest since Freddie Mac began tracking rates in 1971.

The last time home loan rates were lower was the 1950s, when most mortgages lasted just 20 or 25 years.

Rates have fallen since the spring. Investors, concerned with the European debt crisis, have poured money into the safety of Treasury bonds. Treasury yields have fallen and so have mortgage rates, which tend to track yields on U.S. debt.

However, low rates have yet to fuel home sales and have sparked only a modest increase in refinancing activity.

The housing market has slowed since federal tax credits for homebuyers expired at the end of April. And the latest decline in mortgage rates is unlikely to boost the market.

Mortgage rates have hovered near record lows for some time, so most people who can afford to buy homes or qualify to refinance their loans have already done so in the past 18 months. Doing so again wouldn’t be worth the cost for most.

Meanwhile, millions of Americans are unable to take advantage of the low rates. Many have seen the value of their homes plummet and have little or no equity. Or they lack good credit or steady income to get or refinance a mortgage.

Rates could go lower and still not budge the housing market, analysts say. That’s because a person without a job can’t afford a home and a person worried about losing their job is unlikely to do so either.

To calculate the national average, Freddie Mac collects mortgage rates on Monday through Wednesday of each week from lenders around the country. Rates often fluctuate significantly, even within a given day.

Rates on 15-year fixed-rate mortgages decreased to an average of 4.06 percent, down from 4.07 percent last week. Rates on five-year adjustable-rate mortgages averaged 3.85 percent, up from 3.75 percent a week earlier.

Rates on one-year adjustable-rate mortgages fell to an average of 3.74 percent from 3.75 percent.

The rates do not include add-on fees known as points. One point is equal to 1 percent of the total loan amount. The nationwide fee for all types of loans in Freddie Mac’s survey averaged 0.7 a point.

by Alan Zibel,  AP

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DV Wise builds custom homes in the Lake Norman NC region

A product is only as sustainable as the sum of its parts. In the case of cabinetry, there are quite a few parts to add up.

When selecting cabinetry for a green-built home, dedicated research is required to break the products down and evaluate the origins of the wood used to make the raw materials, the resins that bind them, the chemical content of the glues used to adhere the parts together, and the VOC levels of finishes. 

Raw Materials

The base components of most wood cabinetry today are made with hardwood plywood, MDF, or particleboard. While these materials are more resource efficient than solid wood, manufacturing them historically has involved formaldehyde-laden resins; the high formaldehyde content off-gassing from some man-made materials creates health concerns, according to the Healthy House Institute, especially for people with chemical sensitivities.

Several major manufacturers of composite wood panels, including Timber Products and Columbia Forest Products, have already been working with resin manufacturers and refining their manufacturing processes to create no-added-formaldehyde (NAF) or no-added-urea-formaldehyde (NAUF) products. Columbia’s PureBond NAUF plywood, for example, utilizes a soy-based adhesive.

“The formaldehyde levels of [composite] products have come down dramatically over the past 10 years,” says Dick Titus, executive vice president of the Kitchen Cabinet Manufacturers Association (KCMA).

Helping the push are the most recent emissions requirements from the California Air Resources Board (CARB); once phase two of the rules begin in 2012, they will be the strictest regulations in the world. Though the laws are specific to the Golden State, most panel manufacturers and cabinet companies are changing over their stock across the country. There is also speculation that similar emissions regulations may be adopted at the federal level.

In addition to CARB compliance, some composite panels may carry the Composite Panel Association’s Environmentally Preferable Product (EPP) certification, which verifies formaldehyde emissions lower than government regulations and the use of recycled and/or recovered wood fiber.

Indeed, along with formaldehyde, consider the resource origins of the wood panels for recycled content (some certified by Scientific Certification Systems) and/or for sustainable harvesting as verified by the Forest Stewardship Council or the Sustainable Forestry Initiative, among others. Certified products may carry a slight price premium.

Finally, you’ll also need to examine the woods that make up the veneers and solid wood trim, doors, and drawer fronts. Austin Energy Green Building’s Sustainable Building Sourcebook recommends domestic hardwoods or certified, sustainably harvested tropical hardwoods as the most environmentally sound choices. “Veneer-grade domestic softwoods are often harvested from old growth timber, and non-certified tropical hardwoods are too often harvested in a manner that is devastating to the forest,” the group advises.

And, be sure to enquire about the chemical content of the glues used to adhere the veneers to the cabinet box; non-solvent-based adhesives can be comparable in performance and cost, Austin Energy says.

Alternative Materials
Though traditional composite wood panels dominate, alternatives exist that offer their own environmental benefits or trade-offs.

Solid wood is one option that will eliminate formaldehyde concerns, but it lacks the materials efficiency of an engineered product, is fairly rare, and is more expensive.

Weyerhaeuser makes composite panels using Lyptus, a Brazilian-grown wood that can be harvested for lumber in 14 to 16 years. Like bamboo, another cabinetry alternative, Lyptus offers the benefits of rapid renewability but does have to be shipped a longer distance. Wheatboard, made from waste stalks, is another option gaining attention.

As with traditional composite panels, ensure alternative engineered materials you select utilize formaldehyde-free resins.

Though more rare here, some metal cabinets can be a green selection from both a resources and health standpoint. For example, St. Charles Cabinetry says its metal options contain more than 70 percent recycled material and are 98 percent recyclable; the products’ baked-on powdercoat finish is considered hypoallergenic.

Finishes
Though low-VOC finishes are becoming more readily available, they’re not yet widespread due to concerns that are similar to those made during the transition to healthier paints: The quality and richness aren’t always equivalent and the application may be unfamiliar.

Still, the options have come a long way and you should enquire with your supplier about what they have available. For instance, Crystal Cabinetry offers a Valspar ULF topcoat that is Greenguard Indoor Air Quality certified.

Managing buyer expectations is key, as popular high-sheen finishes are harder to get in a low-VOC formula, and some natural-based products may have a slightly different look.

Reuse and Recycle
For remodelers, the greenest choice would be to protect and salvage as much of the existing cabinetry as possible. Refacing is one option, although the same questions need to be asked about the new adhesives and finishes.

At the very least, consider repurposing discarded cabinetry for the garage, workroom, or other lower-profile spaces.

There aren’t many options for recycling cabinetry, since veneers and finishes make separation difficult. Before trashing unwanted pieces, explore local options for donation, such as to a Habitat Restore, or consider listing the materials on Craigslist or Freecycle.

Putting It All Together
With the many components that need exploring, it’s easy to get bogged down by the product selection process.

The KCMA’s Environmental Stewardship Program (ESP) aims to ease some of the burden by recognizing manufacturers who meet requirements in five key areas: air quality, product resource management (wood origins and content), process resource management (manufacturing processes), environmental stewardship (including documentation of environmental quality commitment), and community relations. Manufacturers must earn points in all five areas to qualify.

About 140 brands—70 percent of the U.S. cabinet market—are certified under the program, says Titus.

To meet the ultra-green needs of his buyers, Texas builder and remodeler Don Ferrier works with custom cabinet shops. Though it takes a lot of legwork and documentation, this control ensures the products going into his tightly built homes won’t negatively affect indoor air quality.

Kati Curtis, ASID, LEED AP, of Nirmada Interior Architecture and Design in New York City, also relies on the control custom shops provide. It requires hand-holding at first to help them find and become familiar with new materials, she says, but they learn quickly and costs come back down.

Customers also begin to come around: “When it goes in and there’s no smell, and they understand it, then they see the value,” says Curtis.

Expect other buyers to follow. “With new generations of buyers in the market,” says Roger Rutan, vice president of sales and marketing at Timber Products, “you’re going to see a difference in demand for cabinetry that will fundamentally change the shape and look of the marketplace.”

by Katy Tomasulo, Deputy Editor for EcoHome.

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After two months of modest improvements, the AIA’s ABI increased once again in April with a 2.4-point gain over March for a score of 48.5. While this reflects a continuation of the overall decline in demand for architecture services, the AIA notes that it also is the highest ABI since January 2008. Inquiries for new projects increased again, as well, scoring 59.6, up from March’s score of 58.5.

Still, don’t expect a swift recovery. “The construction industry tends to lag behind the overall economy as conditions improve following a recession,” says Scott Frank, AIA’s director of media relations. “The three-month uptick is very encouraging for the design and construction industries, but recovery is happening at a slow pace.”

“Tight credit continues to be a problem, particularly for smaller architecture firms. We have heard reports of countless projects being shelved indefinitely or canceled outright because banks are not lending for real estate projects,” Frank says. “If that persists, then it could jeopardize a full recovery.”

The U.S. Census Bureau’s April New Residential Construction Report also shows some continued improvements, although permits for all types of housing declined significantly.

Permits for privately owned housing units fell to a seasonally adjusted annual rate of 606,000, 11.5 percent below March authorizations, and permits for single-family units declined 10.7 percent to a rate of 484,000 units. Authorizations for units in buildings of five or more units fell 14.9 percent from March.

Overall starts of privately owned housing units rose 5.8 percent to a seasonally adjusted annual rate of 672,000. Single-family housing starts increased by 10.2 percent from March to a rate of 593,000, but starts of units in buildings with five or more units fell 23.6 percent. Completions for all housing types increased in April, with overall privately owned housing unit completions going up by 19.2 percent to a rate of 769,000. Single-family housing completions increased 14.6 percent to a rate of 564,000 and completions of units in buildings of five or more units jumped 33.3 percent from March.

Although there are several ways the housing recovery could be derailed, the economy finally appears to be getting back on its feet, according to economists at the National Association of Home Builders’ (NAHB) Construction Forecast Conference in May. But it’s important to remember that the design and construction industries didn’t go bust and bottom out overnight, and they certainly will not bounce back overnight, either. Economists predict it will take nearly three years to return to normal and even longer to reach a full recovery.

However, “the housing market is coming back to life, GDP is up, and unemployment is decreasing,” AIA’s Frank notes. “The construction industry is likely to catch up to the overall economy through the rest of this year and into next year.”

The outlook is much less frightening moving forward than it has been for the past few years. According to NAHB forecasts, 2010 will be a year of stabilization in home prices, healing of credit conditions, and a return of builder and consumer confidence.

Increasing job formation and rising employment will drive demand for housing, and although there currently are about 10 million vacant homes on the market, Mark Zandi, chief economist for Moody’s Analytics, expects increasing demand will work through that excess housing in less than two years.

Housing demand sank to its lowest point in 2009—bottoming at 550,000 units—after peaking at 2.1 million in 2005. In response to increasing demand for housing, Zandi said during the NAHB’s conference, “I expect single-family and multifamily starts of approximately 700,000 units this year, closer to 1 million in 2011, and by 2012 closer to trend, which is about 1.7 million units.”

Unfortunately, foreclosures are likely to rise as strategic defaulters walk away from homes that have plunged in value, Zandi predicts, which could hinder the recovery. However, according to David Crowe, the NAHB’s chief economist, areas of the country that experienced a less dramatic boom and bust, and therefore suffered the least economic impact and have the least risk of increasing foreclosures, will be the first to recover.

Overall, lenders are starting to loosen restrictions, making access to mortgage credit more available. Zandi notes lending conditions should continue to improve through 2011. Also, access to jumbo loans will improve as lenders begin to feel more comfortable with the credit environment. “Jumbo lenders will become more aggressive and we’ll see more lending as we make our way through 2010 and into 2011,” he says.

Crowe predicts that although remodeling fell off during the housing downturn, it didn’t suffer nearly as much as new construction. Remodeling will pick up during the recovery and may even improve at a better rate than the overall construction market, according to Crowe. “People whose home values have been damaged may in fact decide to stay in place and remodel rather than move as they would have in the past,” he says.

By Stephani L. Miller

http://www.customhomeonline.com/industry-news.asp?sectionID=204&articleID=1299436

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Meanwhile, panelist Mark Zandi, chief economist at Moody’s Analytics, said he expects solid job growth to help buoy the housing recovery. He is anticipating average monthly job gains of 125,000 this year, 250,000 in 2011 and 300,000 in 2012. He also pegs GDP growth at 3% this year, approximately 4% in 2011 and close to 5% in 2012. Our other panelist, Macroeconomic Advisers President Chris Varvares, had a somewhat more optimistic outlook than Zandi, saying that GDP will rise 3.7% this year and that annual housing starts will hit about 1.2 million by year-end 2011. All of the panelists agreed that the Federal Reserve will likely maintain interest rates near rock-bottom levels through the end of this year, that the chance of a double-digit recession is fairly remote, and that policymakers will need to take action within the next two years to increase revenues and cut spending in order to keep the housing and economic recovery on track. For detailed coverage of the forecast conference, please see our press release and the next edition of Nation’s Building News Online. Contact: MondayMorningQuestions@nahb.org. 

Source:  NAHB

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DV Wise prefers to use engineered lumber on our new homes

When Trus Joist introduced the first engineered I-joist in 1969, it wasn’t to save the planet. It was to help save a building industry that depended on huge, old-growth trees that were quickly becoming scarce and more protected by regulators.

As home builders started using engineered structural lumber, including I-joists, laminated veneer lumber (LVL), finger-jointed lumber, glue-laminated lumber, and manufactured trusses, they embraced their strength, their extra-long lengths, and their ability to keep floors from squeaking.

“I think of engineered lumber as green,” says Baltimore remodeler Paul Lidard, “but I use it because it’s more convenient” than solid-sawn lumber. “Everyone’s in favor of it because you’re more in control [of how much is wasted]. But they’re not thinking of it as a green product.”

Perhaps they should be. In addition to the strength and consistency builders have long appreciated, engineered lumber boasts eco-friendly properties worth marketing to homeowners in this new era of environmental consciousness.

Green Beginnings

Made from small-diameter or lower-quality trees or from waste from wood-processing operations, engineered lumber is a combination of wood that is peeled, chipped, or flaked and then glued to produce a durable panel, stud, beam, or joist.

There’s no need to use whole trees, large trees, or old trees to produce engineered lumber products, so those resources can be conserved. In fact, engineered lumber is made with about half the wood fiber of solid-sawn wood. And because engineered wood is so strong, it’s not necessary for a builder to combine multiple, standard-size lengths to create a beam that stretches across a tall wall, a wide ceiling, or the floor of a huge room. Instead, the builder can order a board cut to a precise length—even if it’s very long—which means less cutting on site and less waste heading to landfills.

And, manufacturers like to point out, engineered wood, while a composite of different kinds of wood fibers, still starts as trees, which are renewable and remove carbon dioxide from the atmosphere.

Some manufacturers are taking the additional step of incorporating wood from sustainably managed forests that are certified by programs such as the Forest Stewardship Council, the Sustainable Forestry Initiative, the Canadian Standards Association, and the American Tree Farm System. Manufacturers of engineered wood can earn certifications at different levels if they buy a substantial portion of their wood from sustainable forests and keep tabs on the chain of custody of the product.

Lingering Challenges

“I’m not sure why anyone would choose not to use [engineered lumber],” says green home builder Jon Alexander of Seattle-based Sunshine Construction. Aside from their environmental qualities, he adds, “I like their pretty darn consistent quality. When you order one of them, you know what you’re getting.”

Still, the product, which APA-The Engineered Wood Association predicts will increase significantly in production and use over the next five years, costs more than solid-sawn lumber in most markets, leaving some builders ambivalent about pitching it to potential buyers.

“I would prefer to use all engineered wood if I could, but that’s not the case,” says Lance Hobson, owner of Legend Builders in Paco, Wash., which builds 24 homes a year—mostly on spec—and uses engineered I-joists in all of them.

For custom homes, however, he offers the buyer the option of paying the 6 percent to 8 percent more he estimates a home would cost if he used engineered wood exclusively, and he has only had two takers, who were focused on building green homes.

Engineered wood is a hard sell, he says, because “without going into the negatives [of solid-sawn wood], there’s no way to tell the positives. If I told them that [traditional] wood would warp, crack, and split, I’d be casting a doubt over the workmanship of the homes I built with wood.”

At Winchester Homes in New Market, Md., sales staff tell potential buyers about the benefits of engineered wood, but the builders decide where to use it. “If they want a big, open space, engineered wood is what we’re going to go with,” says Randy Melvin, the builder’s director of research, standards and design assurance. “If they want a less-squeaky floor and the flatness of the floor is important, we use engineered wood.”

Tim Mosely, brand manager for Canfor, notes that most buyers don’t know what kind of wood builders use in their homes. “The benefit is really more to the builder than the actual home buyer,” he says.

Mosely notes that the green benefits are growing as manufacturers develop sophisticated software that helps builders order and cut precise lengths. Software from Boise Cascade, iLevel by Weyerhaeuser, and others allow builders to accurately specify the amount and types of materials needed, so builders buy less, avoid overbuilding, and waste less.

“Wood is a green building product, engineered wood is extremely green, and Boise’s design process makes the whole thing even greener,” says Boise spokesman Dale Robley, who notes that the industry is gravitating toward electronic designs that limit the need for paper for drawing them or gas for delivering them.

“You go to a typical jobsite and you see these piles of waste every night,” Robley says. “There’s absolutely no excuse for that anymore.” — BUILDING PRODUCTS

Most structural engineered wood is glued together with binders that contain phenol formaldehyde, a product with minimal off-gassing.

The binders used for some non-structural, interior-grade products, like particleboard, MDF, and hardwood plywood, however, can contain urea formaldehyde, a volatile compound that is classified as a carcinogen. Urea formaldehyde is also linked to respiratory problems, eye and nose irritation, and allergic reactions. The telltale sign of its presence: the sweet smell that most new kitchen and bathroom cabinets emit.

New regulations in California will restrict urea formaldehyde emissions, but do not deal with phenol formaldehyde. In response, manufacturers are developing formaldehyde-free binders, using products like polyurethane and even soy. Last summer, the California Air Resources Board adopted new caps on the amount of urea formaldehyde used to bind wood products used indoors, to take effect in 2009.

By:Sharon O’Malley

http://www.ecohomemagazine.com/green-building/engineered-green-lumber-green-selling-point.aspx

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Custom Home Interior

An alarm system is a must in today’s volatile world. Prewiring for this system can save thousands later on. Wiring in the early stage is easiest for the installer, thus saving tremendously on labor.

Many housewives and husbands enjoy the convenience of a vacuum system. This cleaning system will easily pay for itself in a few years of not replacing portable models, and is very convenient. Vacuum systems improve the quality of a home and increases equity.

All household wiring and audio/video cables should be installed now. The roughed-in stage allows easy access to walls, rooms, ceilings and all aspects of the interior of your home. Preplanning will prove to be a key cost saving strategy.

Once all wiring and cables are securely in place, the insulation is ready to be installed. Insulation comes in numerous types, styles, and applications. No longer are homeowners forced to use rolled insulation. DV Wise prefer to use spray foam insulation. Spray foam insulation will provide the greatest weather barrier and soundproofing for the home. There is no comparison to the value of spray foam insulation, or the price. The cost to spray a home versus traditional methods is astronomical, BUT spray foam insulation will save the homeowner thousands every year in heating and cooling costs. Electricity providers offer a significant discount when installing the premium insulation. Overall, spray foam insulation will return the additional cost in heating/cooling cost in approximately 5 years, and pay for itself completely in 10 to 15 years, depending on a few variables.

Upon completion of the insulation process, the drywall should be installed. Once again, you will get what you pay for here. Hire a professional; do not attempt to “do it yourself” regardless of previous experiences. Hanging and finishing drywall is not easy and greatly affects the appearance of your interior and painted walls.

DV Wise homes are always required to be kept clean and orderly. A clean and orderly workplace will result in a safer and more cost effective home. The home should be thoroughly cleaned after the drywall is finished. Cleaning now will ensure a clean home later.

All moulding and finishing wood should be applied now. Finish carpenters are a rare breed, meaning the patience needed to successfully install this expensive product is hard to find. DV Wise have used the same professional finishing contractors for almost a decade. Their experience and understanding of the quality required in our homes is irreplaceable.

Painters are the most unique of all contractors. Attention to detail, satisfaction in perfection and familiarity to the drywall finishers, enable a painter to perform far beyond expectation. We prefer to use the same group of sub-contractors exactly for this reason. Knowing the team working in front and behind you is a key to building a sound home. Obstacles are always on-site, but working with people you trust and see on a regular basis, will hold every carpenter accountable for their work. Painters need a smooth surface to apply their product to, but top quality painters understand no surface is perfect, so our painters always have the tools and supplies needed to amend minor imperfections.

Cabinets, countertops, and vanities can be installed once the paint has cured. Granite has become more popular and cost effective in recent years. Solid surfaces and laminate countertops are rarely used in a custom home anymore. The appeal and resale value of granite is unheralded. All plumbing should be completed shortly after the countertops and cabinets are properly installed.

The flooring is installed next. Hardwood flooring, tile and linoleum are installed nearing the end to avoid scratching and damage. Properly installed flooring will accentuate the dwelling above and beyond any other aspect of the home.

Light fixtures, outlets, door knobs and handles are installed during the finishing process. As the structure has transformed into a home, the fixtures bring it together like few other pieces of the building process.

Final inspection and walk-through is the most critical stage for the new homeowner. Tom Wise will be with you every step of the building process, but his presence is felt strongest now. His eye for detail is unsurpassed and with the closing just around the corner, no detail is too small.

Moving day, as your family decorates and personalizes the home, DV Wise is still here. Tom insists that the home is never really complete, meaning he is available to assist in minor repairs caused by moving or unveiled during the first few months. We will never close a home and walk away. The process of building your home brings together the homeowners and builder to almost a family like state. We embrace the long lasting relationships developed when building a home.

www.DVWise.com

Framing a Home

Everything that is stable must have a solid foundation or footer, and then focus is on the framework of the structure.

The frame of a DV Wise home is carefully constructed to exceed all state and local codes. We feel that although their regulations will guarantee a solid frame, we are convinced it can be better.

Our framing contractors are seasoned veterans that we have worked with for nearly a decade. This experience ensures every aspect of the frame meets or exceeds requirements. Extra attention is paid to all load bearing areas of the frame, meaning the homes doors will always open and close properly. Stairs and hardwood flooring will stay stable and not squeak or settle over time.

The roofing consists of top quality materials only. The sheathing, sealant, paper, shingles and all materials used on the roof are durable and applied to withstand the weather and climate of the homes area for decades.

Sheathing is used to protect and secure the exterior framing. This man-made material is composed of wood, glue and fiber, enabling it to be stronger and more durable than plywood. The sheathing and home wrap is the base for weatherproofing a home. Each element of the exterior walls is equally important as the other and applied to maximize the comfort inside the home.

Framing a structure is the first step to a square and even home; every board is specifically cut to size and secured exactly in its place. No liberties are ever taken when framing a DV Wise home, thus all our homes are level, and built spot on square.

www.DVWise.com

Concrete Footer

As with all sound structures, a home needs a good foundation. We start our homes by digging trenches that will be constructed into footers. These trenches are strategically dug in configuration of the homes.

These trenches are then lined with wire and rebar to ensure the proper depth and strength of the concrete, which will soon be the homes base.

The concrete is poured into the trenches at precisely the right depth, using the rebar as a guide. This method has been tried and proven to promote strength and consistency for the footers, which will enable the entire home to be even, level and sound.

Arguably, the footers or base of a home is the most critical in the building process. Done properly, the footer or base will keep the home level for life. Footers constructed incorrectly will allow the home to sink, or sag in areas, thus causing structural damage and loosing the integrity of the building.

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For example, lots of LEED buildings are in urban centers, where they get points for being located near public transit and basic services. Watson associates those points with reduced vehicle miles traveled, which is the intent of those credits. But wouldn’t most of those projects have been in those locations regardless of whether or not they pursued LEED? The only way I can think of to correct for this assumption would be to interview a representative sampling of LEED project teams about their decision-making process for each credit, and find out which points were actually affected by their decision to go for LEED certification.

To some extent this is a matter of semantics. In talking about reduced VMT and water use, Watson refers to the “savings from LEED,” but in discussing operation energy savings he refers to the benefits “from LEED buildings.” The latter is less presumptive, because it doesn’t imply that LEED itself is responsible for all those benefits.

Source: www.BuildingGreen.com

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The designation requires 24 hours of NAHB-approved training, and additional continuing education every three years. Subjects covered in training discuss how green homes provide buyers with lower energy costs and higher value, and will include strategies for incorporating green-building principles into homes without driving up the cost of construction.

The designation curriculum requires completion of the Green Building for Building Professionals two-day course and either the Business Management for Building Professionals one-day course or having another current NAHB professional designation. Class schedules and course descriptions are available from NAHB.

Upon successful completion of course work, submission of a graduation application and signed Code of Ethics is required to graduate. The CGP designation recognizes a high degree of professional competence, and is awarded to individuals only.

Courses are offered at local home builders association and at NAHB national events. For a complete list of course offering and dates, visit www.nahb.org/courses.

For more information about the Certified Green Professional designation, visit www.nahb.org/cgpinfo or call the NAHB at 800-368-5242.

Source: www.nahbgreen.org

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