Communituy wide open house june 2016 by Fort Collins Coloradoan

FORT COLLINS LOVELAND WINDSOR TIMNATH WELLINGTON AND MORE...

This Weekend!

JUNE 24 - JUNE 26

2, COMMUNITY-WIDE OPEN HOUSE

JUNE 2016

Open Houses This Weekend OPEN HOUSE WED - SUN 1-4

Centerra Office 970.613.0700 Loveland Office 970.663.0700

OPEN HOUSE SAT 10-6

$269,900

MLS#790100

$340,950

$340,000

MLS#XXXXXX

Jo Carney 970.310.1836 Ray Henry 970.215.0918

Call Leone Coryell 970-227-1757

Kathy Beck 970-213-8475 Brandi Garifi 720-291-0899

Call Nikki Onda 970-691-0176

UN C DE AN R CE CO LL NT ED RA / CT

OPEN HOUSE SUNDAY 12-3

1108 Pinon Pine Dr - Overlooking expansive community park. Fabulous layout with all the right spaces, entertain guests in this open and functional floor plan. Relax on the private flagstone patio out back; or enjoy a movie in the nicely updated finished basement. Large corner lot.

OPEN HOUSE SUNDAY 12-3

5163 Cinquefoil Ln - Absolutely stunning 2-story home w/ beautiful design elements throughout! Just a short walk to the renowned Stargazer observatory, clubhouse, resort style pool, and community park. Entertain guests in the gourmet kitchen featuring a large center island.

$450,000

Call Dave “Gus” Gustafson 970-213-3287

Call Nikki Onda 970-691-0176

Call Dianne Breneman 970-222-8549

OPEN HOUSE SAT 10-6 AND SUN 12-6

2128 Longfin Dr. - 3 bedroom ranch home backing to a greenbelt. Culde-sac location! Vaulted ceilings, wainscoting in dining room, master bedroom w/ 5 piece bath, & two walk in closets. Complete w/ a covered patio & fully landscaped including fencing. Model home at 2179 Longfin Dr.

$414,900

$424,900

Kathy Beck 970-213-8475 Brandi Garifi 720-291-0899

OPEN HOUSE SATURDAY 12-3

MLS#794410

$340,000

617 Nicolet Dr - Gorgeous 4 bed ranch home built by DR Horton. Finished basement + over sized 2 car garage. Open layout, huge rec room, gourmet kitchen w/ double ovens, great room w/ fireplace & formal dining! Fully landscaped with irrigation and fencing. Please visit model at 325 Tahoe Dr. MLS#793033

OPEN HOUSE SATURDAY 12-3

From the $260’s

Mulberry Office 970.221.0700 The Source in Old Town 970.493.0700

OPEN HOUSE SAT 9-5 SUN 12-6

3759 Cornflower St., Wellington DR Horton’s newest community. 5 bedroom 3 bath home has all the space you need with a 3 Car garage. Beautiful hardwood floors, full kitchen appliance package, and a fantastic builders warranty. Dont wait, this home will not last long. Please visit model home at 3771 Daylily.

MLS# 792355

SAT-THURS. 11-6, FRI. 12-6

3891 Ginkgo St., Wellington - New 3BD, 3.5BA ranch in Harvest Village. Open great room/dining/kitchen concept w/wood floors, espresso cabinets, granite counters, walkin pantry, center island and much more! 2 1/2 car garage with front yard landscaping included.

UN C DE AN R CE CO LL NT ED RA / CT

Horsetooth Office 970.223.0700

OPEN HOUSE SATURDAY 1-3

415 S Howe’s St #707. Ft. Collins 1BD 1BA, 1,018 sq ft. Lovely bright & sunny 7th floor condo overlooking downtown Ft Collins! Enclosed lanai is perfect breakfast spot. All utilities included in HOA. Wonderfully updated kitchen & bathroom w/roll in shower.

UN C DE AN R CE CO LL NT ED RA / CT

Harmony Office 970.229.0700

4302 Carlyle Ln., Wellington - Many plans to choose from with prices starting in the mid $200’s. We have homes available to move into early 2016! Come and see the quality homes built by Sage Homes in The Meadows in Wellington.

www.thegroupinc.com

OPEN HOUSE SATURDAY

109 Southside Court - Nearly 1/2 acre of beautiful mature landscaping! Cozy up to the corner fireplace. Enjoy BBQs on the large, private, rear patio. Light, bright & open 4 bd ranch style home w/finished basement. A/C, Hrdwd Floors, quarts counters, all appliances stay!

$419,000

MLS#790700

Call Mike Suchy 970-567-1523

OPEN HOUSE SAT 9-5 AND SUN 12-6 OPEN HOUSE TUES-SAT 10-6 SUN 12-6

2208 82nd Ave, Greeley - Model home for sale w/ finished basement built by DR Horton. 4 bed, 5 bath & finished basement! 3 car garage, covered deck, main floor study, hardwood floors in main living area & beautiful white cabinets, quartz counters. $8K toward closing costs and prepaids w/ DHI Mortgage.

2050 Cutting Horse, Fort Collins Beautiful ranch with high end finishes and 3 bed/2bath. Gourmet kitchen with upgraded slab granite countertops and tile backsplash, maple cabinets, plus 5” plank hardwood floors throughout main living areas. Visit the model at 2740 Walkaloosa.

$389,930

$450,000

$469,000

Call Christie Wilbur 970-219-1138

Kathy Beck 970-213-8475 Brandi Garifi 720-291-0899

MLS# 781325

OPEN HOUSE TUES-SAT 10-6 SUN 12-6 OPEN HOUSE TUES-SAT 10-6 & SUN 12-6 OPEN HOUSE SATURDAY 10-12

MLS# 790932

OPEN HOUSE SUNDAY 1-3 OPEN HOUSE SATURDAY 25TH 11-1

6091 Pryor Road, Timnath - Open & filled with light 2 BD, 3 BA home with a great room plan offers plenty of space for entertaining. Smoky pearl granite slab, stainless GE appliances, hardwood floors, & Owner’s suite includes a vaulted ceiling, bay windows, & walk-in closets. Model home at 5813 Glendive Ln.

2618 Walkaloosa Way, Fort Collins - 5 bedroom home on a big wide lot backing to open space. Large bedrooms with walk-in closets, 5-Piece master bath, and oversized 3-car garage. Huge covered back patio, white cabinetry, quartz counter tops, and wood flooring. Please visit model home at 2740 Walkaloosa Way.

$491,900

$674,000

$530,000

$592,000

MLS#794011

MLS#791228

Kathy Beck 970-213-8475 Brandi Garifi 720-291-0899

Call Natalie DeAngelis 719-588-7946

Call Ellen Lake 970-420-4309

Call Mark Bishop 970-988-6530

MLS#782424

MLS#786412

3106 Beech Dr, Loveland - Well cared for home across from the Benson Sculpture park, features Main Floor Master w/Luxury Master bath. Gourmet Kitchen w/all appliances. Ample room for guests. Bonus room w/ balcony above garage. Brand New 80 Gallon Water Heater, Furnace w/ humidifier (Dual heating and air units).

MLS# 793188

MLS#793486

3404 Corte Almaden - Over 300 trees, over 70 of them fruit. Passive solar front porch. Active solar on outbuilding, heat pump AND awesome wood-burning furnace also serve home’s duct system.Updated kitchen, baths. New wood floors.Outbuilding features loft, 1-car garage.

1352 Northern Court, Fort Collins - With an incredible connection to nature, this elegant Santa-Fe style home is a retreat for the discriminating buyer. 2015 Garden Tour and a Certified Wildlife Habitat, experience these gardens and this setting first hand to appreciate what’s been created.

$539,000

COMMUNITY-WIDE OPEN HOUSE, 3

JUNE 2016

Open Houses This Weekend OPEN HOUSE SUNDAY 10-1

Harmony Office 970.229.0700 Horsetooth Office 970.223.0700

OPEN HOUSE SATURDAY 1-3 OPEN HOUSE SATURDAY 2-4

5977 Sand Cherry Lane, Timnath - DR Horton desirable Shavano plan. Enjoy mountain views from the covered deck adjoining an expansive flagstone patio, surrounded by fine, English perennial gardens, pond & fire pit. Elegant 5pc master bath, main floor guest room, 3 car tandem garage.

2827 Chase Drive, Fort Collins - Charming and spacious, 2-story cape-cod style home in desirable Rigden Farm.Main floor master plus secondary bedroom or study. 2 additional bedrooms in newly remodeled upstairs featuring loft area, bamboo floors, dormers and stylish full bath. Expansive unfinished basement provides ample storage or future expansion.

www.thegroupinc.com

OPEN HOUSE SUNDAY 1-3

$539,000

$435,000

$430,000

Call Frank Glenn 970-372-9596

Call Ashlea Wylie 970-308-1344

Call Frank Glenn 970-372-9596

Call Andy Burnside 970-567-1501

5132 Southern Cross Lane Unit B, Fort Collins - Comments-Warm and contemporary, stylish and updated, ideal location. Don’t miss this opportunity to own this home in coveted Observatory Village. Both upstairs bedrooms have private baths. Newly finished basement with wet bar. Minutes from shopping, restaurants and entertainment.

2145 Saison Street, Fort Collins - Come visit Fort Collins’ new neighborhood – TimberVine by Hartford Homes. Within reach of Old town, 6 flr plans to choose from with prices starting from $323-$365K. Ranch & 2-story plans with oversized 2-car or 3-car tandem standard on specific plans. Many standard features. PLEASE VISIT SALES TRAILER ACROSS THE STREET, OPEN DAILY 11-6PM, FRIDAY 12-6PM.

MLS#791228

MLS#791281

Mulberry Office 970.221.0700 The Source in Old Town 970.493.0700 Centerra Office 970.613.0700 Loveland Office 970.663.0700

OPEN HOUSE SAT & SUN 11-6

OPEN HOUSE SATURDAY 11-1

5824 Southridge Greens Blvd., Fort Collins - 3bd, 3ba, 4-Level, 2943 sf - Live the life backing to Southridge Golf Course! This 4-level home is fully finished…could use some updating, but it is priced accordingly. It’s a good buy in this neighborhood! Open plan w/ vaulted ceilings. Oversized garage. New roof in ’11, new furnace installed in ’15.

$329,000

$365,000

$430,000

$290,000

Call Tracey Ryk 970-217-3454

Call Val Schlageter 970-217-3464

Call Jaio Osborne 970-999-4398

Call Katie Shea 720-231-8179

MLS#794868

OPEN HOUSE SUNDAY 12-2 OPEN HOUSE SATURDAY 12-4 OPEN HOUSE SATURDAY 11-1 OPEN HOUSE SAT AND SUN 12-2

3120 Swallow Place, Fort Collins Unique 2-story plan with 3rd bedroom/ flex space over garage. 1,901 sf does not include 14x8 (140 sf) sunroom which is heated w/ electric register. Deck/patio space makes for pleasant outside living. Pool, tennis & plenty of greenbelt available.

OPEN HOUSE SATURDAY 10-2

2608 Kansas Drive #E132, Fort Collins Immaculate ranch style condo in beautiful Rigden Farm. Main floor master bdrm w/ master bath. 2nd bdrm & bath on main floor. Upstairs is a very lrg loft that could be used as a 3rd bdrm. Small study on 2nd flr as well. Spacious kitchen w/ gorgeous cabinets. 1-car attached garage. Over 1500 finished sq. ft.!

3109 66th Avenue, Greeley 4bd/4ba/2,934 SF/ 2 Story in highly sought after St. Michaels neighborhood. Beautiful hardwood floors in kitchen & master bed. Great kitchen, 5 piece master bath with skylight. Cool “publike” basement rec room w/custom bar. 3 car garage! Everything is upgraded!

610 W. 11th Street, Loveland 3bd/3ba, 2,194 SF. Original wood floors, sunroom with Franklin stove to keep you warm. Finished walk-out basement, craft room, storage room, 2 patios, garden shed + 720 SF detached garage/studio + 1 car garage. 1 block from Lake Loveland.

2845 Des Moines Dr., Fort Collins Very open 3 bed, 2 bath floor plan with upgrades throughout. Granite tile in kitchen, 5-piece luxury bath with ceramic tile in both baths, wood floors, new carpet. Daylight basement includes bar with pool table and rec room. Detached 2-car garage and fresh paint throughout!

OPEN HOUSE SUNDAY 12-3

222 W Fox Acres Drive, Red Feather Lakes - Come see this listing and many others in Fox Acres. Prices from $189,000. Own a piece of paradise in the exquisite Fox Acres private gated community.Pick up an info packet for all open properties starting at 11am at the the clubhouse.

$270,000

$330,000

$329,000

$420,000

$409,500

Call Laura Michaels 970-556-5358

Will Withem 970-889-2882 Danielle Ewing 970-590-8383

Call Sheila Benshoof 970-227-9802

John Hanrahan 970-222-2372 Eric Hansen 970-342-3018

Call Cindy Kurtz 970-962-6832

MLS#794861

MLS#791964

MLS#788533

MLS#794467

MLS#790535

Too new for photo OPEN HOUSE SATURDAY 12-3

2459 Stonecrest Drive, Fort Collins - 3 Bed, 4 Bath home in Solar Ridge. New HW floors & new granite counter tops w/designer backsplash. Beautiful yard & garden greenhouse. Garden level basement bedroom could be divided to create 4th BR.

OPEN HOUSE SATURDAY 2-4

3319 Liverpool St., Ft Collins Wonderful 3 BD, 2 BA 2-story in Rossborough close to neighborhood park. Main floor master, nicely updated kitchen w/tile backsplash, updated baths and newer flooring & paint throughout. Great yard w/covered patio.

OPEN HOUSE SUNDAY 11-1

671 Babine Court, Windsor 4bd/3ba/2,007 SF 2 story home! Beautiful one owner home on quiet culde-sac in coveted Peakview Estates. South facing home backs to open space and walking trail.

OPEN HOUSE SUNDAY 12-2

1892 Seven Lakes Dr., Loveland - Semi-custom 3 bed, 4 bath home situated in the peaceful setting of Horseshoe Lake Estate. Comfortable main floor living, cozy family room, spacious kitchen with an intimate eating booth and formal dining room.

OPEN HOUSE SAT 12-2 & SUN 1-3

7885 Blackwood Drive, Windsor Custom ranch w/main floor Hickory floors, Alder cabinets, granite, rock fireplace, study, butler pantry & master w/closet built-ins! Daylight basement w/ wet bar, wine chiller, storage & safe/vault room. 4 car tandem garage w/epoxy floor, covered deck w/grill, hot tub & views.

$520,000

$299,900

$325,000

$545,000

$750,000

Call Alycia Martinez 303-994-6307

Call Laura Michaels 970-556-5358

Call Amber Kahler 970-310-4170

Call Deb Baker 970-218-9777

Eric Hansen 970-342-3018 Paula Hawe 970-222-1020

MLS#794293

MLS#793822

MLS#789469

MLS#792579

4, COMMUNITY-WIDE OPEN HOUSE

JUNE 2016

Open Houses This Weekend

www.thegroupinc.com

Too new for photo SATURDAY 10-NOON

Harmony Office 970.229.0700 Horsetooth Office 970.223.0700

798 Pioneer Place, Windsor-4 Bed, 4 Bath 2-Story with 3 car garage. Exceptional property on corner lot with main floor master & extra large master closet. New kitchen appliances. New main floor carpet, furnace, water heater & roof. Fabulous basement with bar & two refrigerators.

$565,000 Call Blas Estrada (970) 324-6177

SATURDAY 11-1

8212 Louden Circle Fort Collins-4 bed, 3 bath ranch with new carpet & tile, 3 car garage, abundant storage, main floor master, study & kitchen with lots of cabinets & counter space. Basement has rec room w/wet bar, included theatre system, surround sound & workshop. Backs open space w/deck, patio & small pond.

SATURDAY 1-3

305 Circle Drive, Fort Collins-Fun and Funky Ranch Style Home on Coveted Circle Drive! Sweet Old Town location! Great 10,000 sq.ft. lot with alley access. Great outdoor living space w/large stamped concrete patio complete w/hot tub and gas fire pit! Sprawling floor plan offer 1800 sq.ft of living space.

SUNDAY 12-2

3218 Nesbit Ct. Ft. Collins-Lovely 5BD 4BA 4,522 sf 2 story in Quail Ridge! Great room w/rock fireplace, gourmet kitchen, loft flex space, large master w/5 piece bath. Finished daylight basement. Great foothills views & backs to Pineridge Natural Area.

$465,000

$549,000

$635,000

Call Mitch Benner (970) 214-8430

Call Todd Sledge (970) 222-9120

Call Tim Ash (970) 231-4929

MLS#789143

MLS#785555

Mulberry Office 970.221.0700 The Source in Old Town 970.493.0700 Centerra Office 970.613.0700 Loveland Office 970.663.0700

SUNDAY 10-3

3109 66th Avenue, Greeley-4bd/4ba/2,934 SF/ 2 Story in highly sought after St. Michaels neighborhood. Beautiful hardwood floors in kitchen & master bed. Great kitchen, 5 piece master bath with skylight. Cool “publike” basement rec room w/custom bar. 3 car garage! Everything is upgraded!

1983 Piney River Dr., Loveland-3BD 3BA, 2,092 sq ft. Bright & open move-in ready townhome in a great location, close to parks, shopping, restaurants and Boyd Lake recreation. Wood floors, formal & informal living & dining spaces, 5 pc master bath, 2 car garage, large balcony!

SAT 2-4/SUN 10-12

1521 Wagon Tongue Dr, Ft Collins-3 BD 2 BA 1300 sf. NW FTC ranch style home on a corner lot. Open floor plan, wood burning stove, double pane windows, new water heater & furnace, whole house fan, new roof/gutters, all wood fence and foothill views.

$330,000

$350,000

$289,000

Call Matthew Dozier (970) 213-4877 Call Jeremy Woods (970) 316-4004

Call Jaio Osborne (970) 999-4398

Call Dexter Degre (303) 854-7083 Call Ellen Lake (970) 420-4309

MLS#791964

Too new for photo SAT 10-1/SUN 1:30-3:30

SATURDAY 2-4

1545 New Mexico St. Loveland-Great Open Ranch style floor plan in Kendall Brook! 3 bedrooms, 2 baths. Oversized two car garage. Unfinished basement. Great Deck! Move in ready! Over 2,800 sq.ft. total with over 1800 finished!

MLS#794539

AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE

SATURDAY 1-3

920 Hazel Court, Fort Collins-Beautiful home on almost half an acre with wonderful views! Large, vaulted master bedroom with 5 piece master bath and custom walk in closet. Theater room, and steel wrapped wet bar. Large four car garage!

$289,000

$634,900

Call Frank Glenn (970) 372-9596 Call Dexter Degre (303) 854-7083

Call Joseph Penta (303) 903-2207

MLS#794632

Northern Colorado Real Estate Source

SUNDAY 2-4

3768 Valley Crest Dr, Timnath-Step into this Magnificent Custom Ranch Style home with exquisite views! Resort style living with wall to wall windows, top of the line Chefs Kitchen, divine Master Suite with his & hers closets, sprawling outdoor entertaining spaces with salt water pool, BB, Tennis, and pickle ball courts.

$1,200,000 MLS#791964

Call Karla VanDenBerg (970) 405-8530 CE

source lorado Northern Co

Real Estate

THE SOUR comes to Old Town Fort Collins

27, 2014 September

ENJOY E THEBicRyclID ing in

Northern Colorado

The Real Estate Source is a magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado. • Available for pick-up at over 200 distribution points throughout Northern Colorado including hotels, grocery stores, restaurants, coffee shops, and Group offices. • Online version of publication at www.thegroupinc.com containing links to detail pages for most listings.

LEARN OW AND GR R TOGETHE districts in and school Real estate lorado Northern Co rn Colorado

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COMMUNITY-WIDE OPEN HOUSE, 5

JUNE 2016

HOMEOWNERSHIP SEEN AS A LITTLE LESS THRILLING COME TAX DAY by Marilyn Kennedy Melia

Content That Works Pay rent and “you’re throwing money away.” Like many adages, this one contains a kernel of truth. But that kernel has shrunk a bit, considering that, for many home owners, the tax advantage of buying has vanished. Homeownership traditionally delivered income tax savings because a homeowner’s mortgage interest payments plus property taxes easily exceeded the standard deduction allowed by the IRS. But

since 2008, falling interest rates and lower home prices have reduced mortgage interest payments so that they may not top the current $12,600 standard deduction for married couples, according

to John Burns Real Estate Consulting. Single buyers “would be more likely to take advantage of the tax deduction,” says John Burns, chief executive officer of the real estate research firm. “But giv-

en the single standard deduction of $6,300 and the interest on a $200,000 mortgage totaling about $8,000 annually, the interest deduction is relatively small: $1,700. “If people are really buying a home for the tax benefits, they need to think twice,” says J. Michael Collins of the Center for Financial Security at the University of WisconsinMadison. Think of buying as having “some financial benefits, but also some costs,” he advises. Long-term owners benefit by locking in much of their future

housing payments, especially if they take a fixed rate mortgage, Collins points out. With each monthly payment, owners chip away at the overall mortgage principal owed. A tax write-off is more valuable to high earners, the very people who find it easier to afford buying. Lower and median-income households may find “renting is the only option,” Collins observes. But they can dismiss the worry that they’re throwing money away. © Content That Works

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NOW OPEN!

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Community Clubhouse

Visit today and see why we’re America’s Luxury Home Builder®! • Picturesque mountain views; adjacent to Fossil Creek Reservoir • Nearly 30 acres of open space, plus walking and biking trails • Clubhouse with fitness areas, swimming pool, spa, and outdoor entertaining • Highly regarded Poudre School District

Priced from the upper $300,000s to $1M+

970-221-2227 | TollBrothers.com/Kechter Open Every Day 10 am–6 pm. Brokers welcome. Homes available nationwide. Prices subject to change without notice. This is not an offering where prohibited by law.

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Oklahoma Reservoir

County Road 15

Greeley W 20th St

95th Ave

257

S County Line Rd

37th St

l Ir

Mil

131st Ave

83rd Ave

Golden Fields Ln

COMMUNITY-WIDE OPEN HOUSE

N County Line Rd

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JUNE 2016

3 TIPS TO WIN THE RACE FOR A NEW HOME In a seller’s market, success in home buying favors the focused, prepared buyer. Marilyn Kennedy Melia This year home shopping may feel like hitting a hill at the end of a marathon with a pack of runners closing in on you from behind. Scraping together a down payment and winning mortgage approval are just the first steps in today’s more rigorous path to ownership. In March, there were one percent fewer homes on the market than in March 2015, yet sales are higher. “Inventory is moving more quickly,” says Jonathan Smoke, chief economist at realtor.com. A one percent decline in houses to choose from may not sound like much, but there’s a larger percentage of higherpriced homes in the mix, so the shortage is more pronounced on the lower price end. Tight supply of entry-

level housing is a lingering effect from the last housing downturn, says Daren Bloomquist of data firm RealtyTrac, Irvine, California. Many owners who otherwise would be selling and moving up are still struggling with big mortgages. “If a home in the $250,000 to $300,000 range goes on sale in the Dallas/Fort Worth market, we’ll see five to fifteen offers in a twoor three-day period,” says Jim Fite, broker and owner of Century 21 Judge Fite Co., Dallas. Not all areas of the country suffer shortages, but supply in many markets mirrors the Dallas/ Fort Worth area. Obviously, though, with homes selling quickly, some buyers have found a way to beat the competition. 1. GET READY, GET SET “Buyers and their

T& SA2-2 N 1 E OP SUN

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agents must be as organized and committed as if they were planning the invasion of Normandy,” says John Pinto, Realty WorldJohn V. Pinto & Associates, San Jose, California. Agents can set up messages to alert buyers the moment that properties meeting their criteria land on the MLS. Buyers ready to visit the property as soon as sellers allow a tour are able to submit a purchase contract that could be accepted before other contracts come in, Pinto says. Being first may not cinch the deal if better offers roll in quickly. “The greatest struggle for first-time homebuyers is outbidding investors who are paying a premium for real estate,” says Fite. 2. SHOW FINANCIAL STRENGTH Price is key to a winning offer but it’s also important for a buyer to inspire confidence that he’s good for the offered price. Pre-approval, a written statement from a lender that states that

the borrower qualifies for a certain loan amount under the lender’s guidelines, is often insufficient in a competitive market. A pre-approval letter is not an offer or a commitment to make a loan. Instead, buyers might consider going a step further and submitting all the paperwork required for an actual loan. “It’s called pre-underwriting,” says Gibran Nicholas, chief executive officer of CMPS Institute, an Alpharetta, Georgia organization that certifies bankers and brokers. “You’ll always have some types of contingencies in a contract, like for the appraisal,” says Pinto. But backing the price offer with a robust lender’s review helps, he agrees. 3. PREPARE TO UP YOUR GAME In a seller’s market, the list price is often

viewed just as a starting point, says Rob McGarty, Surefield, Seattle. In fact, many purchase contracts include an escalator clause that indicates that if a competing offer comes in, a buyer is prepared to beat that price up to a specified limit. Sometimes sellers will set a list price so high, however, that it stays on the market for a couple of weeks. That’s how Andres Ortiz bought his home in the competitive northern Seattle market. Having carefully studied prices for other homes in the location, Ortiz and his agent had confidence that the price they offered was right in line with the market. “The seller even agreed to make some small repairs,” says McGarty. © Content That Works

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JUNE 2016

Ask our broker

What’s With Seniors and Mortgages?

QUESTION: I know a lot of older people with mortgages. Aren’t seniors better off with no mortgage debt?

to monthly mortgage payments, according to the CFPB. The amount of senior mortgage debt has grown substantially, from roughly $43,400 in 2001 to

off in the normal course of events remained outstanding or were refinanced to access cash. To this day, corrected for inflation, home values remain substantially

ANSWER: Retirement is generally seen as a time of life when folks have less income. For retirees, a mortgagefree home is clearly an advantage. However, with a changing economy – one that has not changed for the better for millions of people – the goal of a home free and clear of debt has become increasingly distant. The numbers show that seniors 60 and older have significantly higher levels of mortgage debt than in the past. According to TransUnion, about 22 percent of all seniors had prime mortgage debt in 2005, a figure that rose to around 32 percent in 2014. That’s an enormous increase in a short period. About 33 million people 65 and older own their own homes. However, according to the Consumer Financial Protection Bureau, 4.4 million continue to have mortgage debt. Some 2.4 million devote at least 30 percent of their income

$79,000 in 2011. For many seniors, lingering mortgage debt is a byproduct of the financial meltdown. Those who are 65 today were in their mid-50s when the housing market collapsed. What were supposed to be prime earning years disappeared for millions of people. Wages declined and retirement savings produced virtually no returns as a result of the Federal Reserve’s zero interest rate policy. Mortgages that might have been paid

lower than they were in 2007. Things could have been worse. Seniors could have rented instead of owned. According to Lawrence Yun, chief economist with the National Association of Realtors, a typical homeowner’s net worth in 2013 was $195,400 versus $5,400 for renters. You might be surprised to learn that the idea of retirement is fairly new. According to the Social Security Administration, the modern concept of retirement

By Peter G. Miller

at 65 arose when Germany became the first nation to adopt an old-age social insurance program in 1889 with backing from Germany’s Chancellor, Otto von

ground-breaking letter to the German Parliament. William wrote: “Those who are disabled from work by age and invalidity have a wellgrounded claim to care from the state.” We’re now entering an era where people stay in the workforce longer, perhaps in part to pay off those pesky mortgage debts. According to the Census Bureau, more than 10 percent of those 70 and above now remain in the workforce. When it comes to retirement, a 135-year-old experiment is now being challenged by new economic realities. © Content That Works Email your real esBismarck. The idea tate questions to pewas first put forward, ter@ctwfeatures.com at Bismarck’s behest, in 1881 by Germany’s Emperor, William the First, T& in a SA2-3 EN 1 OP SUN

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Roomy 6bed/4bath home with an office, great rm with vaulted ceiling, formal dining rm, fully finished basement, new carpet, new int/ext paint, new furnace/AC in '13, new roof in '11 & corner lot with a fenced yard. If you need space this is a must see!

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10, COMMUNITY-WIDE OPEN HOUSE

JUNE 2016

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COMMUNITY-WIDE OPEN HOUSE, 11

JUNE 2016

HOW TO HIRE A REAL ESTATE ALL-STAR Buying? Selling? The right real estate agent can make all the difference. You wouldn’t walk into a courtroom without a skilled attorney by your side. Why enter into what could be the biggest financial transaction of your life without the right real estate representation? An experienced, marketsavvy agent can help you buy or sell a home quicker and at a preferred price. In many areas, highly competitive seller’s markets – low housing inventory and appreciating home prices coupled with continued low interest rates – mean that house hunters and sellers alike need expert guidance, an all-star agent who can be counted on to knock one out of the park. “Buyers are looking for an agent they can trust, someone who knows the neighborhoods intimately but who also has the relationships and the proactive nature to find homes that aren’t yet listed on the market,” says Mark Kitching, associate partner with Partners Trust, Los Angeles. For sellers in the most competitive markets, an agent with extensive knowledge of contracts who knows how to attract and handle multiple offers is especially valuable. “They need a full-time agent with experience in a tough seller’s market,” says J.P. Piccinini, broker/ owner of JP and Associates Realtors, Plano, Texas. More than half (53 percent) of buyers polled

about what they value most when choosing an agent said they want-

back to clients in less than an hour,” says Mark Ferguson, agent with Pro

who do more than the traditional 3 Ps, says Riccardo Ravasini, Keller Williams, New York: put a listing into the MLS database, put up a sign and pray. “Sellers want someone who will creatively market their unit, including promoting the listing to nearby residents and to targeted media outlets, and will leverage his or her own network of interested buyers and investors,” says Ravasini. When offers shower down in a bidding war, a broker’s negotiation skills are key, says Patrick Beringer, RE/MAX Metro Realty, Seattle. While many consumers think it’s a smart move to negotiate a lower commission rate for an agent, Beringer says, “If an agent is so eager to cut their commission just to get your business, how effectively will he or she negotiate on your behalf?” Choose an agent carefully. The right one can swing your sales price 5 to 10 percent higher; the

ed someone who could Realty, Greeley, Colorahelp them locate the do. “Knowledge of great right home; and 12 per- lenders, inspectors and cent said they wanted title companies is imporan agent who could help tant.” Sellers want agents them negotiate and close a sale, according to the the National Association of Realtors’ 2015 6 Profile of Home 25/1 / 6 0 m Buyers and SellOPEN to 4:00p ers. 1:00 The qualities buyers value: agents who are responsive, knowledgeable and have a flexible schedule. “An agent should be able to answer their FoCoHomes.com phone and get MikeandMarie@FoCoHomes.com

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wrong one can lead to no sale at all, says L.A. agent Mark Kitching. A poor agent is a costly mistake for both buyer and seller, he points out. “A seller can be sued by a buyer for poor guidance and failure to disclose things that the agent left out. A buyer can be left with a home that’s a bad investment,” Kitching says. Ask family and friends for referrals to agents they were satisfied with. Attend local open houses and meet with agents. Search online and read agent reviews. And be prepared to ask plenty of questions. “Ask how long they’ve been in the business, how many deals they do a year, what areas they specialize in, what kind of negotiator they are and if they have time in their schedule to devote to your needs,” suggests Kitching. “If you’re a seller, ask what strategy they would implement to sell your house and why.” © Content That Works

3320 Corte Almaden Fort Collins, CO 80524

Here’s your opportunity to own acreage within minutes to Old Town. This ranch style home with finished basement, flex room, horse barn with unfinished loft on 2.3 acres will have you jumping for joy. Call today or come to the open house to get more details. $600,000 Mike Edwards, sfr Marie Edwards, sfr 970-231-2004 970-231-0495 3665 JFK Parkway, Ste 300 • Fort Collins, CO 80525

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