The ever-changing FHA Condominium Guidelines continued to create problems for many CAI members in 2011. Despite the challenges, CAI was able to work with FHA to amend some of the FHA lending criteria even as FHA released new policy that created new obstacles for condominium associations.

In June of 2011, FHA issued major revisions to the Condominium Guidelines, which, according to FHA, would address concerns raised by CAI. While the new guidelines added some flexibility on assessment delinquencies, commercial space and rental restrictions, it also imposed new and troubling criteria on fidelity insurance, project certifications and assessment delinquency calculations.

After the release of the new Guidelines in June, CAI worked with our members to escalate our efforts to persuade FHA to engage in a more rational and transparent process in developing condominium guidelines. First, CAI sent a letter summarizing concerns about the new Guidelines to the FHA commissioner. CAI noted that the requirements FHA imposed on fidelity insurance and project certifications were in conflict with many state laws and with the best practices of condominium associations. CAI also chided FHA for putting the burden of collecting assessments from bank-owned properties on association boards rather than on the banks that get a subsidy from FHA under the condominium loan program. CAI also filed an administrative challenge against the new Guidelines, arguing that FHA failed to do minimal due diligence when drafting the new requirements. Then, working with our state Legislative Action Committees, we took our concerns directly to members of Congress in August. Additionally, when FHA announced during a public training session that it would be looking at the issue of deed-based transfer fees, CAI sent a strongly worded letter urging it to engage in outreach and research before taking any unilateral action.

The arrival of fall saw the return on the investment in our Congressional Outreach. First, FHA backed away from their costly and duplicative management company fidelity bonding mandate. This was followed a few weeks later by key members of Congress and the Senate sending letters critical of the FHA Guidelines and the lack of transparency in their development. It is through these efforts that CAI will continue to move FHA policy to more rational and fair criteria.

As the year end approaches, FHA’s financial position showed significant deterioration, with the organization well below its statutorily-mandated reserve requirements. There were whispers in Washington of a pending bailout, which would be bad news for potential condominium buyers as FHA continues to be the pre-eminent lender for condominium mortgages. This also will likely make CAI’s task for pushing for reforms of FHA lending criteria even more challenging. At the close of 2011, it looks as if 2012 will be yet another year filled with challenges on the mortgage front.

As part of our ongoing Mortgage Matters Program, CAI is working to protect homeowners in community associations and to ensure access to fair and affordable mortgage products for all current and potential community association residents. You can follow our work and share your thoughts at www.caimortgagematters.org.

Congressional leaders are expressing serious reservations about Federal Housing Administration’s (FHA) mortgage-approval policies for condominiums-policies that are the source of mounting confusion and angst for condominium boards, homeowners and real estate agents nationwide. 

Community Associations Institute (CAI) says these policies are preventing many potential buyers from obtaining FHA-backed loans to purchase homes in those communities, putting entire condominium associations at risk and further worsening the already dismal residential real estate market.

While acknowledging the need for thoughtful and financially sound lending criteria, the 31,000-member organization has expressed public concern about past FHA lending guidance that has created continued “confusion and frustration” in the marketplace. That’s why CAI sought to bring Congressional attention to the issue.

“There seems to be an invisible barrier between FHA and condominium associations,” Sen. Scott Brown (D-Mass.) said in a recent letter to Shaun Donovan, secretary of the U.S. Department of Housing and Urban Development (HUD). FHA falls under HUD’s jurisdiction.

“While both sides have been talking to each other, it doesn’t seem like there has been any movement towards a resolution,” Brown wrote. “I hope you will consider these concerns and work to bring certainty to condominium associations in what is an otherwise uncertain housing market. An obvious first step in this direction is to start the public review and comment period on (the) recently issued guidelines as soon as possible.”

Three members of the House Committee on Financial Services have also weighed in, urging FHA to reconsider mortgage approval policies that “. . . deny mortgages to condominiums associations with special assessments or that have obtained loans to do necessary improvements.” Signed by Massachusetts Reps. Barney Frank, Michael Capuano and Stephen Lynch, the letter also asks FHA to reconsider the mortgage-approval requirement that no more than 15 percent of condominium units can be more than 30 days past due on their association assessments.

The House members also weighed in on FHA’s public review and comment procedures, saying that “additional opportunities for public input before policy changes are implemented would greatly improve the process.”

With lenders Fannie Mae and Freddie Mac recoiling from unprecedented mortgage-related losses, FHA has assumed a far greater role in the home-sales market, now standing behind at least 30 percent of new home mortgages. That makes FHA lending criteria especially critical, not only for individual homeowners and buyers, but also for a sustained recovery in the housing market.

CAI and other organizations have worked hard to get Congressional leaders to address FHA’s mortgage approval guidelines and what CAI calls the agency’s “insular approach to policy development.”

“The letters sent by Congressional leaders are tremendously helpful, but the issues they address are still on the table,” said CAI Chief Executive Officer Tom Skiba, CAE. “And they are still adversely affecting thousands of condominium communities, millions of current and potential homeowners, and the U.S. housing market as a whole. We will continue to urge FHA to take a new, more transparent and thoughtful approach to its decision-making.”

Visit Mortgage Matters<http://dev.caionline.org/govt/MortgageMatters/Pages/default.aspx> on the CAI website to read the Congressional letters and get the latest information about the FHA and mortgage approval guidelines.

As the warm weather came to an end and thoughts turned to the busy Autumn season, the New Jersey Regional Council hosted an end of summer networking event back in September that was a huge success. The event, held on September 29, 2011 at PJ Whelihan’s in Cherry Hill, was intended to promote the considerable benefits of membership in CAI and recruit new members. Not only was the event successful in attaining that goal, the event also gave current members a chance to relax and network with old friends and make new friends. Over 80 people attended the event and, because of the generosity of our sponsors as well as our “member bring a non-member” campaign, most attendees were able to enjoy the event without paying a registration fee!

Attendees enjoy some networking in South Jersey on Sept. 29, 2011.

The New Jersey Regional Council wishes to thank those business partners that generously sponsored the event, including sponsors Outside Unlimited Professional Landscape, Stark & Stark, FWH, Quality 1st, MAMCO, Brown & Brown Insurance, and Cherry Hill Painting.

The Finance Committee of Philadelphia’s City Council held a hearing on Tuesday, October 18, 2011 at City Hall on Bill 110130 which would provide a credit against the tax for owners of condominiums, cooperatives and planned community units who do not receive regular City refuse, recycling and bulk item collection services. After lengthy testimony and questioning on the Bill from many proponents, and the Nutter Administration, the Finance Committee unanimously reported the Bill out of committee and to the full City Council, where it now awaits action.

CAI provided the following testimony at this morning’s hearing:

Good morning and thank you for this opportunity to testify before this committee.

My name is Tony Campisi and I serve as Executive Director of the Pennsylvania and Delaware Valley Chapter of Community Associations Institute. CAI is a 31,000 member national organization dedicated to building better communities. CAI provides information, education, and resources to association governed communities, including condominiums, cooperatives and homeowner associations, and the professionals that support these communities. The Pennsylvania chapter represents an estimated 15,000 such communities across the Commonwealth, including approximately 900 communities with thousands of housing units within the City of Philadelphia. Tens of thousands of Philadelphians call these association-governed communities home.

CAI’s Pennsylvania Legislative Action Committee supports adoption of City Council Bill 110130, which would provide a credit against the tax for owners of condominiums, cooperatives and planned community units who do not receive regular City refuse, recycling and bulk item collection services. The bill would remedy the City’s failure to provide municipal trash collection to these residents.

Councilman Kenney introduced legislation over a decade ago that extended eligibility for residential municipal trash collection to include owners of cooperatives and condominiums. On June 13, 2002 the Bill was adopted by City Council.  Then-Mayor John Street returned the bill to City Council without his signature, with a letter stating that the City would not enforce the law.  In response, City Council filed suit to compel the Administration to enforce municipal refuse collection from community associations in the City. This step was supported by all members of City Council, including then-Councilmember Michael Nutter, now Mayor of Philadelphia.  In 2005, the Pennsylvania Supreme Court denied Mayor Street’s appeal in the case, and affirmed the Commonwealth Court’s opinion in favor of City Council as the final ruling in the case.

Unfortunately for owners of condos, co-ops and planned community units in the city, the issue of refuse collection remains unresolved.  While the City has extended an offer of weekly curbside collection, the volume of trash that these communities accumulate makes this an unsanitary solution that would cause many other health and neighborhood concerns. Therefore, the City’s condominium, cooperative, and planned community residential unit owners continue to pay for a city service that they cannot use.

It has been suggested that a tax credit such as the one provided in this Bill may not pass Constitutional muster because it may create a separate and distinct class of residential real estate. I would suggest the city has already accomplished this by its refusal to adequately provide a municipal service to what the city considers a distinct class of residential property owner. And the reason why may in fact reside in the common understanding and interpretation of what a condominium is, or is not, under state statute. Pennsylvania’s Uniform Condominium Act, adopted in 1980 by the state legislature, along with two companion acts – the Real Estate Cooperative Act adopted in 1992 and the Uniform Planned Community Act, adopted in 1997 – define the creation, management and governance of association-governed communities in Pennsylvania. It is important, however, to note here that the three forms of ownership defined under these statutes simply define a legal form of home-ownership. They do NOT define a physical structure or a type of building. This is critical to the issue we are here to discuss today in the following manner. A condominium does not translate to a high rise or mid rise building just as a planned community does not translate to a sub-division with one acre lots in a suburban setting. A condominium, under state statute, may be a 25 story building with ten units per floor in Society Hill. It may be a townhouse community with four or six units connected in a row in South Philadelphia. It may be a 396 residential unit community consisting of single-family, detached homes, townhouses and condo units currently under construction at The Arbors at Eagles Point in the Byberry section of the Far Northeast. The point I make here is simple. A condominium, cooperative or planned community unit is nothing more than a single family home. These communities are not commercial buildings comparable to apartment buildings, owned by a single owner. These communities are a series of individual homes owned by many individual owners. A condominium association, in whatever physical structure it assumes, is no different than a block of row homes in any one of your council districts. A block of row homes consists of single family homes that line the sides of a block, connected by a shared common vertical wall, and each owned by an individual owner. A high rise condominium building consists of single family homes that line a hallway and that share a common vertical wall, stacked upon each other, with another common horizontal wall consisting of a ceiling in the unit below, and a floor in the unit above. Turn a high-rise condominium on its side and all you have is a series of individually-owned row homes that you might find on an average block in South Philadelphia, University City or Fishtown. Tell me why the owner of a condo should be treated any differently than the owner of a row home? Under current city practice, condo owners are treated differently – are treated as a distinct class of residential real estate – yet they pay the same municipal taxes, and that is inherently unfair.

This is an issue not limited to the City of Philadelphia. Community associations across Pennsylvania, and in fact across the nation, deal with this very same issue. In most states, owners in community associations pay municipal taxes for services that are, in many cases, not provided to residents who live within the association, including road maintenance, refuse collection and other municipal services. The owners who reside in these community associations pay for these services twice – once through municipal or property taxes and again when they privately contract for the services not provided by the municipal government. CAI has provided council with examples of how other cities across the state and nation have dealt specifically with the municipal trash issue.

Here in Philadelphia, Councilman Kenney is proposing that the City offer a tax credit of up to $200 per residential unit to address the disparity in collection services. CAI supports this legislation as a way to erase the inequality that has been permitted to exist in the collection of municipal refuse from condominiums, cooperatives and planned communities in this city for far too long.

Thank you.

For more on this issue, including the text of the Bill, visit the legislative page of CAI’s website.

The challenges presented by the wave of federal regulatory proposals that are reshaping the mortgage finance system made the summer of 2011 one of the busiest advocacy periods in the history of CAI. At stake is the health and marketability of the more than 24 million homes in community associations. CAI and our members, working through our Mortgage Matters Program, have been focused on three critical regulatory proposals; a proposed federal rule on transfer fees, Federal Housing Administration (FHA) condominium mortgage guidelines and Qualified Residential Mortgage Regulations. Each of these proposals as initially drafted had the potential to negatively impact community associations. To make matters more challenging, the financial reform process triggered more than 200 regulatory drafting exercises by a host of federal agencies on topics that include banking, insurance, hedge funds, mortgages, auto loans, credit cards and other financial services. In this flood of new regulations, it is difficult for any single industry to get their message through to lawmakers, but thanks to the work of CAI, our members and our allies, we have been making headway in shaping this important debate.

FHFA Transfer Fee Guidance: In late 2010 the Federal Housing Finance Agency (FHFA) issued a proposal that would have banned federally backed mortgages to any property in a community association with a deed-based transfer fee. Such fees are a common funding mechanism for community associations with up to 49 percent of associations using such fees to fund reserves, capital accounts or operations. If enacted as drafted, up to 11 million homes in community associations would have been unable to obtain mortgages. Thanks to an incredible effort by CAI members, the FHFA backed down from its initial proposal and issued a revised draft regulation that specifically excludes community deed-based transfer fees from the mortgage ban. The revised draft regulation is still pending, but FHFA’s retreat on the deed-based transfer fees put CAI on the map as a major player in the mortgage reform debate.

FHA Condominium Guidelines:  FHA issued new guidance in July in an effort to correct problems created by previous guidance on condominium requirements for FHA mortgages. FHA addressed longstanding issues raised by CAI such as allowing associations to impose rental restrictions, allowing for affordable housing units and added some flexibility for delinquencies. However, rather than completely fixing the issues with the program the new guidelines created a new set of challenges for condominium buyers seeking access to the more than thirty percent of all condominium mortgages FHA currently provides. Among the issues created by the new FHA requirements are:

• A costly fidelity bonding insurance for management companies, which is commercially impractical and in conflict with some state laws;
• A requirement that the submitter to FHA agree to keep FHA abreast of any conflict in the community and to assure FHA that a board will not take any action that might impact a borrowers ability to pay their mortgage;
• Inclusion of bank-owned properties in the assessment delinquency calculation; and
• An announcement that FHA will not approve any condominium project with a deed-based transfer fee, despite the Federal Housing Finance Agency’s findings (noted above) that such fees benefit communities and homeowners.

Stepping up the pressure on FHA to engage in a more transparent rule making process, CAI members in key states set up Mortgage Matters Teams and met with members of the House Financial Services Committee and the Senate Banking Committee during the month of August. This grassroots activity is beginning to pay dividends; FHA has already backed down from the manager bonding requirements and is now indicating it may back off its current position on deed-based transfer fees. Although progress with FHA has been slow, it is adopting the policy positions advocated by CAI and our housing allies.  Now that the debate is favoring CAI and our members, we will continue to step up our pressure on FHA and Congress to more quickly resolve the issues FHA is needlessly creating in the condominium market.

Mortgage Regulations (QRM/QM): In August, CAI submitted more than 200 pages of comments to federal regulators on proposals to tighten mortgage lending standards and reshape commercial mortgage products. Working with a coalition of housing interests that include the National Association of Realtors, the National Association of Homebuilders and consumer groups, CAI denounced the stringent proposals that would have set mortgage standards so high as to exclude up to 70% of current borrowers. CAI praised a proposal that would require a lender to factor in association assessments in the loan qualification process as such fees are mandatory.  However, CAI was critical of the proposal which would have required the lender to assume that any special assessment in place at the time of the loan qualification determination would continue for the life of the mortgage.  The comment period on these regulations closed in August and revised regulations are expected to be released in late 2011 or the first quarter of 2012.

As we fight for our members, we will work to build new avenues of communication between CAI members, federal regulators and key members of Congress. Our success depends on the ability of every CAI member to respond to calls to action to make sure that our members can get access to fair and affordable mortgage products. The market is a fickle place, and any regulation or law that creates added costs or barriers for purchasing in a community association could result in a shift away from the community association model of housing which has dominated the markets for the last 30 years. Such a result would harm all CAI members. The good news is that we have demonstrated that when we make our voices heard, we can shape the debate and achieve positive results in the face of big challenges.

As part of our ongoing Mortgage Matters Program, CAI is working to protect homeowners in community associations and to ensure access to fair and affordable mortgage products for all current and potential community association residents. You can follow our work and share your thoughts at www.caimortgagematters.org.

CAI has partnered with Affiliated Power Purchasers International (APPI Energy) to provide the Powerful Solutions Program, an exclusive member benefit that assists members in managing and reducing their energy expenses.   APPI Energy navigates the maze of energy deregulation by negotiating favorable “real-time” pricing and contract terms and conditions with competitive energy suppliers across the country.  APPI Energy provides energy procurement services with minimal time commitment and no upfront cost.

Details of APPI Energy’s Energy Procurement Process:

• Discuss Member’s current status, develop a procurement strategy and a plan of action
• Retrieve, analyze, and review account information and usage data
• Formulate an electronic Request For Proposal (“RFP”)
• Submit RFPs to qualified competitive energy suppliers
• Utilize an online reverse auction platform, where applicable
• Process responses from suppliers to the RFPs and review responses with Member
• Process all documents and implement the Member’s energy service with the new supplier
• Provide ongoing consulting and account service to Member for the duration of the term of the agreement
• Monitor energy markets, suppliers, and prices and review information with Member

APPI Energy’s mission and operating model are based on one premise: providing superior, independent consulting services that manage and decrease energy expenses.

Visit APPI Energy on the web at www.appienergy.com or call 1-800-520-6685 or email us at info@appienergy.com .

The Federal Housing Administration (FHA) has announced its plans to disqualify condominium associations from FHA financing if the association charges a deed-based transfer fee at time of sale. This would put FHA at odds with the Federal Housing Finance Agency (FHFA), which earlier this year determined that such fees benefit community associations and do not impact the sale of community association properties. It marks yet another unilateral action by FHA, without public notice or input that will have a detrimental effect on the condominium market. Worse, FHA conducted no formal release of this pending requirement, but rather mentioned it as part of a training session on the new requirements imposed by FHA in its June 30 Mortgagee Letter. 

Our members may recall the fierce, and successful, battle waged by CAI against FHFA on community association transfer fees earlier this year. In late 2010, FHFA proposed a draft regulation which would have cut off all federally backed mortgages to community associations with deed-based transfer fees.  A CAI national survey found that forty-nine percent of all community associations have a deed-based transfer fee. These community transfer fees are levied at the time of sale to fund reserves, capital projects or operations. The fees are typically less than $500 and are calculated as a percentage of sale price, a fixed fee or a multiple of monthly assessments. The challenge is that such fees are incorporated into the deed restrictions of the community association which typically requires a two-thirds majority of all property owners to change. FHFA sought input from the public at large and received more than 4,000 comments on their proposal. Based on the information received, FHFA revised their regulation to allow community association levied fees.

FHA has indicated that they will issue a Mortgagee Letter later this year which would disqualify condominium associations from FHA backed mortgages if they had a deed-based transfer fee in place. Unlike FHFA, FHA does not intend to solicit public input on this proposal nor do they find the information gathered by the FHFA on the same topic to be relevant to their decision. Unfortunately, this is business as usual for FHA which continues to issue requirements for its condominium mortgage insurance program without the benefit of input from the public at large. For those who have worked to get FHA approval, this has resulted in FHA requirements that have proven confusing and problematic for associations.  In a statement submitted to the House Financial Services Committee on an FHA hearing, CAI noted that FHA’s lack of stakeholder input “has resulted in underwriting criteria for condominium associations that do not comport with common association business operations, state law or common sense.”

In August, CAI members from key state legislative action committees met with members of the House Financial Services Committee to let them know the problems FHA is creating in the condominium marketplace by setting qualification criteria for condominium associations that conflict with association operations, state law or simply do not make rational sense. CAI continues to expand our grassroots efforts to force FHA to engage in a more transparent process in developing criteria for condominium mortgages. As FHA currently accounts for one in three condominium loans, getting the rules right is key to restoring confidence to the marketplace. Despite our progress on a variety of mortgage issues, FHA continues to be a needless source of confusion and frustration for condominium associations.

As part of our ongoing Mortgage Matters program, CAI is working to protect homeowners in community associations and to ensure access to fair and affordable mortgage products for all current and potential community association residents. You can follow our work and share your thoughts at www.caimortgagematters.org. CAI will continue to monitor and participate in shaping the development of the FHA’s condominium underwriting guidelines to ensure that the perspective of community associations is heard. If you have any questions about the FHA’s underwriting criteria and how it could affect your community, e-mail government@caionline.org with FHA Mortgage Insurance Requirements in the subject line.

Summertime is a tough time to recruit new members to CAI. People are on vacation and involved in summer activities and just not paying attention. Despite that, the chapter had three strong membership months between Memorial Day and Labor Day and our membership is up for the year overall.

Our membership campaign, Team CAI, got underway on July 1 and as of August 31, ten new chapter members have been recruited by our membership campaign teams! Here is an updated report of Team CAI Standings as of the end of August.

Team CAMCO: 3
Team Central PA: 2
Team MAMCO: 2
Team Philadelphia Regional Council: 2
Team NJ Regional Council: 1
Team Annual Conference: 0

Team CAMCO leads the way again this month! There’s still three months to go before the competition ends. Which team will come out the winner? Stay tuned!

CAI members know that during the course of 2011, the federal government is restructuring the entire mortgage finance system.  This means that the rules for who gets a mortgage, for what type of home, and in what type of community will dramatically change and impact the housing market and community associations for years to come.  CAI has been working to ensure that the rules which will eventually be adopted provide for fair treatment of lending criteria that apply to community associations. Over the course of the summer, CAI submitted comments on two pending regulatory proposals governing mortgages. While dealing with pending regulations is not necessarily the most interesting of tasks, the stakes for community associations could not be higher.

In July, CAI submitted comments on proposed regulations governing “Qualified Mortgages,” or QM for short. These regulations will set standards for a borrower’s ability to repay their mortgage. The proposed regulations require that a lender look at more than just the principal mortgage payment and include mandatory fees like insurance and association assessments as part of the lending decision. In part, this is good news for community associations as buyers will be evaluated on their ability to pay the mortgage and their association assessments, a factor that is often overlooked. Having assessments as part of the lending decision should help to reduce assessment delinquencies. However, on the down side the proposed regulations will allow lenders to rely on third parties, such as community association management companies or association boards, when verifying the assessment levels in a community. If the information provided is inaccurate, associations could face liability if the loan goes into default due to inaccurate information. Additionally, the proposal also seeks public input on the use of community association transfer fees levied at the time of sale. CAI members will recall our successful fight to block another federal agency from banning most mortgages from communities with such fees. That proposal would have made up to 11 million homes unmarketable as approximately 49% of community associations charge a transfer fee. CAI addressed these and other issues in our 52-page comment letter to the government.

In early August, CAI commented on proposed regulations which would create Qualified Residential Mortgage (QRM) standards. While the QM regulations would establish ability-to-pay standards, the QRM proposal would establish regulations to govern the type of mortgages available to consumers. The draft QRM regulations include provisions which would require minimum 20% down payments and remove the ability of a borrower to finance closing costs and realtor fees. In fact, a study undertaken by mortgage lenders indicates that the QRM regulations as drafted would eliminate more than 70% of currently qualified buyers. CAI’s comments express concerns on a host of issues ranging from the impact of strict rules on an already depressed housing market to an unintentional growth in the role of the FHA for buyers who do not meet the new QRM standards.

The comment periods for these proposed regulations have now closed and the federal government will be reviewing comments and issuing a revised regulatory proposal on a date yet to be determined. In the meantime, you can follow CAI’s work and share your thoughts at www.caimortgagematters.org. We will continue to monitor and participate in shaping the development of the FHA’s condominium underwriting guidelines to ensure that the perspective of community associations is heard. If you have any questions about the QM or QRM regulations and how it could affect your community, e-mail government@caionline.org with QRM/QM in the subject line.

The Pennsylvania & Delaware Valley Chapter welcomed twelve new members in July – two of whom were recruited as part of the TEAM CAI recruitment contest. Stacia Scaduto from Wentworth Management, a member of the Philadelphia Regional Council team, successfully recruited a new business partner member and Lynne Scotko from MAMCO Management and Team MAMCO recruited a new manager.

In the early going, Kevin Brown from CAMCO Management and Team CAMCO is the overall individual recruitment leader, having recruited a total of three new members – all managers – since June 1. Kevin won a complimentary registration to CAI’s Summer Networking Party for his efforts in July! With Kevin’s strong performance, Team CAMCO maintains an early, but slim, lead over the other teams in the contest with three total recruits. Tied for second place so far are the teams from the Philadelphia Regional Council and MAMCO, each with two recruits. In a tie for third place, each with one new recruit, are the teams from the New Jersey Regional Council and Central Pennsylvania. Bringing up the rear, with no new recruits so far, is the Annual Conference & Expo team.

Team members are reminded that in order to get credit from national and in this contest for recruiting a new member, their name must be printed on the new member application on the recruiter line.

CAI is pleased to welcome our newest members:

Mr. Robert Kimble, A Pocono Country Place Property Owners Association
Ms. Natasha Lazor, A Pocono Country Place Property Owners Association
Mr. Darius Robinson, A Pocono Country Place Property Owners Association
Mr. Clarence Windbish, A Pocono Country Place Property Owners Association
Hunters Point Condominium Association
Ms. Michelle Albed, Landmark II Homeowners Association
Mr. Jonathan Klein, Madison Parke
Mrs. Mara Silinski, MAMCO
Mr. Sean Reilly, Penn Estates Property Owners Association
Mr. Richard Bromberg, PuroClean Property Rescue
Mr. Dennis DeSante, Stony Creek Condominium Association
Ms. Diane Ramsey, Stony Creek Condominium Association