This Weekend!
OCTOBER 30 NOVEMBER 1
FORT COLLINS LOVELAND WINDSOR TIMNATH WELLINGTON AND MORE...
2, COMMUNITY-WIDE OPEN HOUSE
OCTOBER 2015
Open Houses This Weekend SUNDAY 12-2
Harmony Office 970.229.0700 Horsetooth Office 970.223.0700
1000 Hinsdale Drive, Fort Collins Fantastic 2 story home on a corner lot in desirable Clarendon Hills subdivision. 5 bed, 4 bath, 3-car garage w/loft for storage & gourmet kitchen w/granite countertops. New roof, refinished hardwood, new carpet upstairs & great back yard w/mature landscaping.
OPEN DAILY 11-6
3940 Ginkgo St., Wellington-New ranch to be completed in Nov! 3BD, 2BA, 1476 fin. sf. Open floor plan, 3 car gar., granite island in kit w/stainless appl. Central A/C & full unfin. bsmt. Take advantage of $10K price incentive shown on this home. Model at 3969 Ginkgo open daily.
Centerra Office 970.613.0700 Loveland Office 970.663.0700
SAT & SUN 1-4
4302 Carlyle Ln, Wellington - Many plans to choose from with prices starting in the mid $200’s. New lots are done and ready for your new home! Come see the quality homes built by Sage Homes at The Meadows in Wellington
SAT & SUN 2-4
5055 Apricot Dr, Loveland NEW CONSTRUCTION BACKING TO COMMUNITY OPEN SPACE! Open floor plan Ranch-3 BRs, full BA, Great Rm w/FP, 15x13 Master & 3/4 BA. Full bsmt 50% fin for you- Fam Rm, 4th BR & 3/4 bath. Fin & insulated garage, full landscape, & sprinklers.
$565,000
$800,000
$650,000
Call Greg Bever (970) 215-1722
Call Christie Wilbur (970) 219-1138
Call Cathy Vance (970) 231-0234 Call Cathy Vance (970) 231-0234 Call Alycia Martinez (303) 994-6307 Call Alycia Martinez (303) 994-6307
MLS#773388
MLS#770414
Mulberry Office 970.221.0700 The Source in Old Town 970.493.0700
SAT & SUN 2-4
1115 Coral Burst Ct, North Lvld 4 Bed, 4 Bath, 5,200 Fin Sq Ft Brand new Ranch, walkout basement w/ 2nd Master/in-law suite, family & rec rm, wine cellar, wet bar. Fin 4 car tandem garage w/ hot/cold water and drain. Landscape/sprinklers, 0.26 acre lot.
www.thegroupinc.com thegro pinc co
SAT 10-6 & SUN 12-6
2017 80th Ave. Ct., Greeley - Spacious, light and open multi-level, 3 bedrooms, 2.5 baths and 1,657 finished sq. ft. 5-piece owner’s suite with walk-in closet, upstairs laundry and fireplace in the great room. Hardwood floors, cabinets, slab granite counters and GE Kitchen stainless appliances.
SUNDAY 12-2
3886 Ridgeline Dr, Timnath - Come & see this exquisite Mediterranean ranch style home crafted by Brannen Homes. 4 bedrooms + den, 3 1/2 baths & finished basement with wet bar. Kitchen boast quartz counters & Thermador appliances. Backing to 4th green & features 2 decks.
MLS#752843
SUNDAY 1-3
718 Mathews St., Fort Collins - 3 BD 2.5 BA 2,389 sf - Historic home for sale: Authentic 1898 Victorian home has had loving care & solid updating. Sunny kitchen, living rm has original ceiling w/ ornate detail & fireplace, lovely back yard w/ new oversized garage w/ alley access!
$375,000
MLS#775832
SUNDAY 12-1:30
1727 Somerville Dr., Fort Collins - 5 BD 4 BA 3,320 sf 2 story home in Fairbrooke. Upstairs includes the master bdrm w/ 5 pc master bath & large walk-in closet, 2 additional bedrooms + loft. Bsmt has 2 more bedrooms & rec rm. Fantastic back yard w/ patio & shed for more storage.
$300,000
$1,139,000
$589,000
$360,000
Call Kathy Beck (970) 213-8475 Call Brandi Garifi (720) 291-0899
Call Steve Bricker (970) 218-1821
Call Leone Coryell (970) 227-1757
Billy Miles (970) 631-4441
MLS#771578
SATURDAY 12-2
1917 S. Lemay Ave., Ft. Collins -4bd/3ba, 2,565 Sq Ft, ranchin Indian Hills! Well maintained and loved by the same family for 40 years! Newer furnace & a/c. Upgraded kitchen. All appliances + washer/dryer incl. Finished basement w/rec rm big enough for pool table or add wet bar!
MLS#774848
DAILY 1-5
6424 Murano Drive, Windsor - Stop & visit our MODEL HOME, open daily 1-5 pm. This castello ranch plan has 2 beds, study, 2.5 baths, 3-car garage, covered deck & patio, entry courtyard, backs to golf course. Get info on our 7 High Performance Homes starting in the low 400’s.
MLS#771527
SAT & SUN 12-3
6530 Tombstone Ridge Rd, Timnath-4bd/4ba, 3 car garage. Almost complete for end of Nov/Dec delivery. Please call 970-204-0818 Village Homes Sales Office or visit 4 models at 6334 Nokoni Ct Timnath. Hours are 10am to 6pm, Tuesday thru Sundays & 12pm to 6pm Mondays.
MLS#776685
SAT & SUN 12-3
6606 Tuxedo Park Rd, Timnath3bd/4ba, 3 car garage. Home in Complete! Please call 970-204-0818 Village Homes Sales Office or visit 4 models at 6334 Nokoni Ct Timnath. Hours are 10am to 6pm, Tuesday thru Sundays & 12pm to 6pm Mondays.
From the 260’s
$350,000
$750,000
$435,547
$423,100
Call Jim Hauan (970) 481-9280
Call Kathy Albertz (970) 690-6011
Call Dennis Pfeifer (970) 227-6646
Call Adrienne Scharli (970) 217-7350
Call Steve Bricker 218-1821
SAT 10-6 & SUN 12-6
MLS#770781
SAT 10-6 & SUN 12-6
MLS#660867
SAT 10-6 & SUN 12-6
MLS#771788
SAT 10-6 & SUN 12-6
5902 Cibola Ct., Loveland - Enjoy living in this conveniently located community and located just off US Hwy. You will love the convenience of a main floor master with walk-in closet & 5-piece bath. Nice size great room has corner fireplace. Full front and backyard landscaping.
2047 Seahawk Ct, Windsor - Attractive 4 bedroom home with a main floor master in a cul-de-sac with no back door neighbors! Great room with fireplace is open to a beautiful kitchen with rich finishes and extended hardwood. Loft, first floor study + nice size secondary bedrooms! Full landscaping package.
2044 Yearling Dr. Fort Collins Spacious ranch with 3 beds, 3 baths, coffered ceilings in the great room and owner’s suite. Beautiful covered back deck and walkout basement. Gourmet kitchen with wood flooring, gas fireplace in great room and more! Full front and back landscaping included!
6076 Pryor Rd, Timnath - Large family room with corner fireplace, spacious kitchen, Kona cabinetry, stainless double ovens, granite & wood flooring. Formal living/dining & main floor bedroom. Owner’s suite has a beautiful coffered ceiling, 5-piece bath and 2 walk-in closets.
$410,000
$451,421
$475,000
$568,327
Call Kathy Beck (970) 213-8475 Brandi Garifi (720) 291-0899
Call Kathy Beck (970) 213-8475 Call Kathy Beck (970) 213-8475 Call Kathy Beck (970) 213-8475 Call Brandi Garifi (720) 291-0899 Call Brandi Garifi (720) 291-0899 Call Brandi Garifi (720) 291-0899
MLS#777745
MLS#773424
MLS#770872
MLS#761878
MLS#776617
SAT & SUN 1-4
3862 Ridgeline Dr, Timnath-4 bd/5ba, 5,250 SF, ranch in Harmony Club! New construction that backs to the golf course! Three car garage, finished basement with room for expansion, fully landscaped and price includes Sports Membership! Filled with natural lighting throughout!
$883,000
MLS#765523
Call Robin Strong 214-2246
COMMUNITY-WIDE OPEN HOUSE, 3
OCTOBER 2015
A 3-STEP PLAN FOR FINDING AND BUYING YOUR NEXT HOME Ready to start your home search? Here’s where to begin.
TIPS & ADVICE / STORY / BY BRENDON DESIMONE ON 14 SEP 2015 Chances are you’ve considered buying a home — maybe you even attended a couple of open houses and ran the numbers. But once you get serious, there are a few points you need to consider before signing a contract and heading to your closing. Buying a home takes more time and research than, say, buying a tablet or smartphone. Before diving in, it’s important to understand the process. Every home buyer’s journey happens on a slightly different timeline, but here are some steps every prospective buyer should take. 1. Search and discover The home-buying process often occurs organically, and may begin a year or more before
the actual purchase. You’ll get started byviewing home listings online to discover what types of homes you can get in different price ranges. Look at homes in your favorite neighborhoods, and review statistics and reports on home values. Use this time to dream about some of your favorite home features, and start to put together your list of priorities. Most buyers will find a property during this phase that prompts them to move to the next stage. 2. Do the math and your required homework Most would-be home buyers need a mortgage to purchase a home. While the process has gotten easier as we’ve moved farther away from the financial and lending crisis, it can still be challeng-
ing if you’re not prepared. You need to know what you can afford, the types of loans available and how what you can afford will affect your home search. Pull your credit report, and understand your financial situation. Then you can get preapproved. Many buyers need to repair their credit score, save more money or allow cash to season for some time before buying. Use the next few months to address any financial issues. 3. Dive in and have fun At some point along the way, you should connect with a local real estate agent. These relationships form early, and having that person beside you during your search should be invaluable. Go to open houses, make appointments and see as many
homes as possible. Before making an offer, you’ll need to know the market inside and out. The more homes you see, the more you will know about your local real estate market, and the more confidence you will have when that dream house comes along. And if you miss out on a deal or two, it’s okay. It’s all part of the process. Don’t feel rushed, and realize that the home search often becomes a part-time job. Have fun with it. If you find yourself in the real estate market prior to doing significant research, you may be jumping the gun. Unlike a tablet, smartphone or even a car, a home is a long-term investment — and a special one at that. It’s where your life will happen. Move too quickly and buyer’s remorse can creep in.
Open Houses This Weekend SATURDAY 1-3
Harmony Office 970.229.0700 Horsetooth Office 970.223.0700
815 Courtenay - Spacious 4 bed, 3 bath, tri-level, w/3 car heated garage. Kitchen w/2 ovens, walk-in pantry & center island. Study w/French doors & finished bsmt w/bed, living, study & storage. Master soaking tub w/TV. 2-50 gal H2O heaters, newer windows & roof. Landscaped & fenced w/expansive deck.
SATURDAY 1-3
1343 Crabapple Dr. - Wake up to Unobstructed Sunrise Views in this one of a kind ranch home w/fully finished walkout basement. Located in Alford Meadows Neighborhood, w/access to neighborhood park, pool & walking trails. Immaculately kept home backs to protected open space.
Centerra Office 970.613.0700 Loveland Office 970.663.0700
BRENDON DESIMONE Brendon DeSimone advises buyers, sellers and investors everywhere with their personal real estate needs. Are you in the middle of a transaction and need a second opinion from an impartial real estate expert? Brendon will answer your questions, provide expert advice, and help you find the best agent. A nationally recognized real estate expert and author of “Next Generation Real Estate: New Rules for Smarter Home Buying & Faster Selling”, Brendon regularly appears on top media outlets including CNBC, Good Morning America, FOX Business, HGTV, FOX News and Bloomberg. Follow Brendon on Twitter.
www.thegroupinc.com
SUNDAY 11-1
102 Phyllis Ave, Johnstown - This 3 bd 3 ba townhome provides space for all of your needs! The main level is open, plus convenience of a bdrm on the main level! This home is handicap-accessible. Upper level master suite, w/loft for an office. Huge rec rm, & another large bdrm (nonconforming), bath & storage rm.
$399,000
$440,000
$440,000
$235,000
Call Beth Phillips 970-449-3345
Call Danny McGinn 970-402-4189
Call Geoff Frahm 970-290-5510
Call Kathy Boeding 970-231-9073
MLS#775952
MLS#775952
MLS#777662
AN EXCLUSIVE SERVICE O F THE GRO UP, INC. REAL ESTATE
Mulberry Office 970.221.0700 The Source in Old Town 970.493.0700
SUNDAY 10-2
1343 Crabapple Dr. Wake up to Unobstructed Sunrise Views in this one of a kind ranch home w/fully finished walkout basement. Located in Alford Meadows Neighborhood, w/access to neighborhood park, pool & walking trails. Immaculately kept home backs to protected open space.
About the Author
Northern Colorado Real Estate Source SATURDAY & SUNDAY 1-3
7904 Windsong Rd, Windsor Contemporary 2-story w/finished basement. Main floor master, living room & family room w/fireplace, new carpet on main level, & new granite countertops in kitchen. 3 bd, 2 ba upstairs. Bar, theater room & office in basement. Walk out to almost 2 acres w/beautiful views of the city.
SUNDAY 11-1
8451 Sand Dollar Drive, Windsor5bd/4ba, 7,103 Sq Ft, phenomenal ranch style home! Includes spacious entry, dining room and a grand family room as well as a gourmet kitchen! Theater room in the lower level. The backyard is beautifully landscaped with its own pool and hot tub.
$600,000
$895,000
CallLaura Thomas 970-290-7544
Call Jack Needy 970-310-6718
MLS#769187
MLS#773656
The Real Estate Source is magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado. Online version of publication at www.thegroupinc.com containing links to detail pages for most listings.
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4, COMMUNITY-WIDE OPEN HOUSE
OCTOBER 2015
Mortgages
5 THINGS YOU NEED TO KNOW BEFORE YOU FINANCE A NEW HOME Unless you have a suitcase full of cash, chances are you’ll need a mortgage loan to help buy your dream home. TIPS & ADVICE / STORY / BY ZILLOW TEAM ON 9 SEP 2015 If you plan to buy a home with financing, you may feel overwhelmed by everything you need to learn about the process. Here are five key points to get you started. Understand the full cost of owning a home There are four main categories of a homeowner’s monthly housing payment — principal, interest, taxes and insurance (P.I.T.I.). Principal and interest comprise your monthly mortgage payment. The principal pays down your loan balance monthly, and the interest pays your fee for borrowing the money. Use an amortization calculator to see the principal-versus-interest breakdown over time. Taxes refer to property taxes assessed by the county you live in, and average 1.2 percent of your home’s value each year. Homeowners insurance is required when you have a mortgage, and you pay it to an insurance company of your choosing. Insurance typically costs $700 to $1,200 per year for a single family home. In addition to P.I.T.I., if you live in a planned unit development (PUD) or condo, you’ll have homeowners association dues, which cover common area amenities, ongoing upkeep, and reserves for future maintenance. These monthly dues range from $100 to over $1,000. If you don’t live in a PUD or
condo, you should construct your own savings plan for future maintenance. Examine your credit history now A strong credit report is critical for getting the best mortgages with the lowest rates. Lenders want reliable on-time payment history, as well as credit depth. Your report will be more
appealing to lenders if you have a significant amount of credit. If you need to obtain more credit, note that your credit score can drop 5-15 points when you first open a new account, then will rise again when you’ve established good payment history, so it’s best to open new accounts a few months before applying for a mortgage. Federal law entitles you to a free credit report every year, but these reports only show account history, and don’t include scores.
Get your credit score, and take steps to improve it, if necessary. Match mortgage products to your budget and timeline You can calculate how much you can afford to spend on a home with inputs you already know: income, monthly non-housing debt, and savings for down payment. Next, you need to think
cent down payment, you can buy with as little as 3 percent down using FHA, VA, Fannie Mae, or Freddie Mac lowdown programs, but you’ll have mortgage insurance on top of your monthly P.I.T.I. Estimate your mortgage insurance with a mortgage calculator.
about how long you’re going to be in a particular home so you can target the right loan product. If your income isn’t going to grow over time, you will probably be in the home longer term, so you’ll want a loan with a payment that won’t change, like a 30-year fixed. Or maybe you expect your income to increase sharply within five years and you’re going to upgrade homes within that time, so you’ll want a five-year ARM, which has a much lower rate. If you don’t have a 20-per-
If you do all your home financing research without getting pre-approved, you could be disappointed when it comes time to find a home. Home shopping is competitive, and most sellers require your offer to be submitted with a lender pre-approval letter to prove you’re all ready with your financing.
Get pre-approved in advance
Know what lenders will require When you’re ready to get pre-approved, remember that lenders will closely examine all aspects of your life.
They’ll ask for full name, address, date of birth, social security number, and ages of children. They’ll also review your credit report, employment history, pay stubs, tax returns, bank statements, divorce and any other legal settlements, and full financials for any businesses you own. A lender will give you a checklist outlining exactly what documents they need. Follow this checklist exactly.
If they only ask for your last two pay stubs, don’t send three. If they only ask for federal tax returns, don’t send state. Also, be prepared to write short letters to explain past inquiries on your credit report, past addresses, and name changes. Now that you’ve got an overview, you can dive deeper into home financing topics, then find a lender in your area to partner with you through the process. ZILLOW TEAM
COMMUNITY-WIDE OPEN HOUSE, 5
OCTOBER 2015
Fresh Fall IRU
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*LQNJR 6WUHHW :HOOLQJWRQ $302,595 | 3 Bed | 2 Bath | 3-Car Garage | 1,476 sq. ft. fin.
Craftsman-style ranch home featuring an open floor plan, stainless steel appliances, dark bronze hardware, granite kitchen island with pendant lighting, central A/C, and a large unfinished basement.
&DWWDLO &RXUW *UHHOH\ $355,593 | 3 Bed | 2 Bath | 2-Car Garage | 1,578 sq. ft. fin.
Private cul-de-sac location. Kitchen features white shaker cabinets and granite counter tops. Great room highlights 9’ ceilings with gas fireplace. Wonderful outdoor living space with a covered patio.
*LQNJR 6WUHHW :HOOLQJWRQ $309,745 | 3 Bed | 2 1/2 Bath | 2-Car Garage | 1,725 sq. ft. fin. Craftsman-style 2-story home featuring an open floor plan, oversized 2-car garage, second floor laundry room, espresso cabinets, stainless steel appliances, and full unfinished basement.
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6, COMMUNITY-WIDE OPEN HOUSE
OCTOBER 2015
Will A Short Term Reduce Costs?
Ask our broker By Peter G. Miller
Question: With mortgage rates around 4 percent we are thinking of refinancing with a 15-year mortgage. Is this a good way to cut interest costs? Answer: Let’s divide your question into two parts: First, Do you really need to refinance? Second, would you be better off with a 15-year mortgage? For refinancing to make sense you need to get a material benefit, such as a lower mortgage rate, smaller monthly payment, or a switch from
an adjustable-rate mortgage to fixed-rate financing. In considering these options you need ask how much it will cost to refinance versus how much you will save each month. For instance, if it costs $3,000 to refinance and you save $150 a month, then you want to stay at the property for at least 20 months for the refinancing to make sense. Also, if you’re going to keep your current mortgage then you might simply want to create your own 15-year mortgage payoff program. This can be done by looking at the monthly payment coupon. For most mortgages there is a place where you can indicate that you want to make an extra principal contribution. As an example, let’s say that you have a $250,000 mortgage at 4.5 percent. Across 30 years with a fixed-rate
TRAILHEAD DUTCH AUCTION! BEAUTIFUL LOW-MAINTENANCE HOMES 3269 GLACIER CREEK DRIVE Fort Collins
Builder will reduce the price every week until it sells! Lowmaint, 2 story home w/2,174 sqft, 3 bedrooms plus loft, basement & 2 car garage. UPGRADES GALORE including landscaping, fencing, granite, wood floors! MLS #736754 Priced to sell @ $348,799
Sebrina Osilka
3232 Green Lake Dr. • Fort Collins, CO 80524 970.672.8874 C: 970.361.6786 • Sebrina@TritonCommunities.com
loan your monthly cost for principal and interest is $1,266.71. To pay off this loan in 15 years – if we start in the first month – you will need to raise your monthly payment to $1,912.48. That’s an increase of $645.77. If a larger payment of this magnitude is comfortable, your projected interest cost
over the life of the loan will go from $206,016 to $94,246. The nice aspect of this do-it-yourself approach to 15-year loans is that your obligation to the lender is to pay at least $1,266.71 per month for principal and interest; if you run into a tough financial period you’re not obligated to make more than the required
payment. If refinance then your interest rate is likely to be lower in two ways: First, today’s mortgage rates may be lower than the rate that you now have. Second, rates for 15-year financing generally are lower than the rates for 30-year mortgages. In late summer, according to Freddie Mac, the
have a monthly payment of $1,266.71 for principal and interest while the 15-year loan will require $1,733.68. By refinancing you’ll have up-front costs to get a new loan, but because you have a significantly lower interest rate you obtain a solid monthly savings. In this example the potential interest cost for the 30-year mortgage is $206,016 versus $62,062. That’s a difference of more than $140,000 in potential interest savings – if you can afford the higher rate for 30-year, fixedmonthly payments. rate financing was 3.84 The discussion above percent; the fixed rate for shows how the options a 15-year mortgage was might compare but what 3.06 percent. That’s a really counts are your difference of a little more finances and personal than three quarters of a preferences. For details percent, a big deal. and specifics speak with Let’s say that you go lenders in today’s marfrom a 30-year, $250,000 ket. mortgage at 4.5 percent © CTW Features to a 15-year, $250,000 mortgage at 3.06 percent. The 30-year loan will
THE COTTAGES AT MACKENZIE PLACE BEAUTIFUL LOW-MAINTENANCE HOMES HOMES STARTING AT $312,900 Designed for seniors who want all the benefits of the Mackenzie Place campus combined with the freedom of home ownership. Now you have both in Triton Communities’ new maintenance-free Cottage homes available at Mac Kenzie Place. The Cottages at MacKenzie Place are ideal for seniors who appreciate the advantages of home ownership, the joy of a nomaintenance lifestyle, and the resort-style living that MacKenzie Place offers. FC-0000421101
Shayne Young
4751 Pleasant Oak Dr., A6 • Fort Collins, CO 80525 970-449-2880 • shayne@TritonCommunities.com
Check this week’s Real Estate Weekly for moree open houses and listings.
OCTOBER 2015
COMMUNITY-WIDE OPEN HOUSE, 7
OCTOBER 2015
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MATCH THE MAP NUMBER TO THE AD FOR DETAILED OPEN HOUSE INFORMATION
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10, COMMUNITY-WIDE OPEN HOUSE
OCTOBER 2015
All-Cash Buyer Wants Repairs By Peter G. Miller QUESTION: We have had our house on the market for about a month and finally attracted an offer, a good price from an all-cash buyer who does not want an appraisal. As part of the offer the buyer had a home inspection and came back to us with detailed bids requiring some $30,000 in repairs. What choices do we have in this situation? ANSWER: Your choices are to accept the offer, make a counteroffer (which is really a new offer and ends the buyer’s
obligation to purchase the home) or simply say no and maybe lose the deal. None of these options is really what you want: a fullprice, all-cash offer with no inspections or stipulations. However, in the real world, you didn’t get that ideal offer instead you got what you got. There are several problems here. First, you may not have $30,000 to make the desired repairs. Second, it may be that there are cheaper contractors who can do the work. However, if you use them then questions regarding the buyers’ satisfaction with the repairs might
arise, and that could set off new rounds of arguments and discussions, depending on how the offer and counter-offer have been written. Third, if you reject this offer you’re obligated to tell future buyers about the inspection and its results. This will undoubtedly encourage lesser offers. The better option, relatively speaking, is this: You have an all-cash buyer. If you reject this buyer, the next one may be more demanding and it might take weeks or months to get a better bid – or any bid. It’s possible that the next bid could be lower. If the new
buyer needs financing you will have to deal with an appraisal and if you get a low valuation then the next deal may be in peril. The realistic alternative is to lower the price by the value of the repairs. This will allow the buyers to get the work done to their satisfaction. Since the property is being sold for cash, the purchasers can readily afford to have the repairs made from the cash represented by a lower price. The house will then be sold and you can move on. Should you have made the repairs before placing the home on the market? It de-
pends on what’s expected in your local market, how the home is being priced and sold and whether you had the cash. Also, a different buyer may have had a different set of repair demands – or maybe no demands. In real estate, all transactions are unique so it’s difficult to say what “should” have been done. You tested the market, you have an offer on the table and a live buyer, so the next step is up to you. © CTW Features Email peter@ctwfeatures. com. Due to volume, not all questions may be.
Open Sat. & Sun. 11-2
Home prices starting at $416,000 Three house plans to choose from Main floor master suites High end finishes incorporated with superior construction integrity Walkout units back up to open space with unobstructed southwestern views Southwest corner of Overland Trail and West Elizabeth
Cindy Minatta
Rocky Mountain, REALTORS® )&
970.420.9340 CindyMinatta@gmail.com www.CindyMinatta.com
COMMUNITY-WIDE OPEN HOUSE, 11
OCTOBER 2015
COMMUNITY-WIDE OPEN HOUSE
2057 BLUE YONDER WAY, BUCKING HORSE - FORT COLLINS 2044 YEARLING DR, BUCKING HORSE - FORT COLLINS 2121 CUTTING HORSE DR, BUCKING HORSE - FORT COLLINS
970-243-8881
www.drhorton.com/Colorado
D R Horton 970-243-8881
www.drhorton.com/Colorado
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4,579 Sq Ft, 6 Beds, 5.5 Bath, 3 2,252 Sq Ft, 3 Beds, 2.5 Bath, 2,503 Sq Ft, 4 Beds, 3.5 Bath, Garage, 2 Story, $599,000 2.5 Garage, 2 Story, $450,000 2.5 Garage, Ranch, $480,000 D R Horton 970-243-8881
www.drhorton.com/Colorado
3,115 Sq Ft, 4 Beds, 3.5 Bath, 3 Garage, 2 Story, $475,000
1,886 Sq Ft, 3 Beds, 2.5 Bath, 3,765 Sq Ft, 4 Beds, 5 Bath, 2 Garage, Ranch, $450,000 2.5 Garage, Ranch, $375,000
970-460-9125
www.drhorton.com/Colorado
6048 PRYOR RD, SUMMERFIELDS ESTATES - TIMNATH
D R Horton 970-460-9125
www.drhorton.com/Colorado
617 NICOLET DR, WINTERGREEN - LOVELAND
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D R Horton
FC-0000421169
2143 LONGFIN DR, WATER VALLEY - WINDSOR
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2137 LONGFIN DR, WATER VALLEY – WINDSOR
6062 PRYOR RD, SUMMERFIELDS ESTATES - TIMNATH
D R Horton 970-685-4229
www.drhorton.com/Colorado
8121 W. 22ND ST, OWL RIDGE - GREELEY
970-493-1318
www.drhorton.com/Colorado
D R Horton 970-493-1318
www.drhorton.com/Colorado
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3,347 Sq Ft, 4 Beds, 5 Bath, 3 3,019 Sq Ft, 4 Beds, 3.5 Bath, 1,956 Sq Ft, 3 Beds, 3 Bath, 3 Garage, 2 Story, $528,531 3 Garage, 2 Story, $339,702 Garage, Ranch, $563,088 D R Horton 720-963-7740
www.drhorton.com/Colorado
12, COMMUNITY-WIDE OPEN HOUSE
OCTOBER 2015
NEW RULES, NEW TOOLS FOR MORTGAGE SHOPPERS
The Consumer Financial Protection Bureau introduces new online tools to guide consumers through recent changes in mortgage documentation By Carley Lintz CTW Features For many years, securing a mortgage for your dream home was a highstress process involving a lot of paperwork. It still can be stressful, but now, at least, there’s a lot less paperwork, thanks to a new rule from the Consumer Financial Protection Bureau. It used to be that under the Real Estate Settlement Procedures and Truth in Lending Acts required multiple forms to be distributed to borrowers at several
different time points to inform them of the costs and terms of the mortgage. However, these forms contained overlapping information in inconsistent formats, making it challenging for consumers to comprehend the important details they need to make good financial decisions. The new rule from the CFPB – called the TILA-RESPA Integrated Disclosure rule, which went into effect Oct. 3– helps remedy the problem by combining four existing disclosure documents into two
forms: • A loan estimate, which will have to be delivered within three business days of receiving the borrower’s loan application
and making it more comprehensive. The loan estimate form allows consumers to comparison shop between loans, while the closing disclosure includes the
The new TRID rule is one of the most significant changes to the home mortgage industry in decades
• A closing disclosure, which the consumer must receive at least three business days before the transaction is completed. The new TRID rule is one of the most significant changes to the home mortgage industry in decades, streamlining the mortgage system
Know Before You Owe initiative to help consumers better navigate the mortgage process, including measures to help homebuyers choose the best loan option and
final transaction. Along with the TRID rule, the Bureau also released a new set of online tools as part of its
prevent costly, lastminute surprises when closing. “Our new mortgage forms reduce the in-
COMMUNITY-WIDE OPEN HOUSE
5902 CIBOLA CT, WINTERGREEN - LOVELAND
D R Horton 970.685.4229
www.drhorton.com/Colorado
)&
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2,542 Sq Ft, 4 Beds, 4 Bath, 2,542 Sq Ft, 4 Beds, 3.5 Bath, 2.5 Garage, 2 Story, $400,000 3 Garage, 2 Story, $410,000 D R Horton 970-243-8881
www.drhorton.com/Colorado
2365 PALOMINO DR, BUCKING HORSE - FORT COLLINS
2,240 Sq Ft, 3 Beds, 2.5 Bath, 2.5 Garage, Ranch, $615,000 )&
605 NICOLET DR, WINTERGREEN - LOVELAND
D R Horton 970-825-5180
www.drhorton.com/Colorado
COMMUNITY-WIDE OPEN HOUSE, 13
OCTOBER 2015
formation gap between lenders and consumers, shedding light on a process that often feels like a mystery,” CFPB Director Richard Cordray said in a statement. “It is time consumers have more power in the mortgage process, and our new forms and online tools will help make that a reality.” Among the CFPB’s new “Owning a Home” tools: • Step-by-step guide to mortgage milestones: The “Owning a Home” website is broken down into four different phases the mortgage process – “Prepare to Shop,” “Explore loan choices,” “Compare loan offers” and “Get
ready to close.” Each section includes goals, recommended actions and tips to help consumers with important decisions through the mortgage process.
a mortgage. Consumers also can use tools to explore loan interest rates to make sure they’re getting the best deal. • Interactive sample of the new TRID forms: The site also features interactive versions of the new loan estimate and closing disclosure forms. This tool provides descriptions and definitions of terms homebuyers might not
• Mortgage payment worksheet: This tool allows homebuyers to look at their monthly finances, including debts, savings and living expenses, to estimate how much they can afford on
understand and highlights key areas of concern. It also allows consumers to review their own transactions and make sure all the numbers check out. In addition to these recently released tools, the Consumer Financial Protection Bureau also offers a “Your Home Loan Toolkit,” a booklet of conversation prompts and worksheets, a housing counselor locator and a guide for real estate professionals to ensure easy and on-time closures. “Owning a Home” tools and additional information about TRID and mortgage loans can be found at www.consumerfinance.gov. © CTW Features
LOG ON TODAY.
Where news stories come to life Log onto Coloradoan.com, click the video link and explore local video stories. Find Local News and more! • Local News • Sports • Business • Schools • Entertainment • Home Improvement
COMMUNITY-WIDE OPEN HOUSE 1-1
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2626 Clarion Ln, Fort Collins $379,000 | MLS #774436
Your search is over. 2626 Clarion is move-inready for YOU. Main floor master with walk-in closet. Vaulted ceilings, full basement finish (all new). 5 bedrooms, 3 baths, large family room. Oversized new deck in private yard, covered front porch. Close to parks and trails.
Call Jennifer Mayan Kaylor 970-231-9101 JMayanKaylor@gmail.com
2839 Harvest Park Ln, Fort Collins $488,500 | MLS #773768
MUST SEE X-TREME Makeover. High end finishes include quartz countertops, wood floors, stainless appliances, gas range oven. Main floor master suite, upper level master suite, too. Finished basement. 4 bedrooms, 4 baths, close to business, hospitals, shopping. Great for “Lock-n-Leave”!!
Call Rick Berry 970-227-0071 RRerry@remax.net
Each office independently owned & operated | 970-482-1781
3833 Eclipse Ln, Fort Collins $419,000 | MLS #763167
Come see a premier community in the heart of South Ft Collins. Pool incl in HOA fee! Zach Elementary! Near great shopping & restaurants. Move-In Ready! Eat-in kitchen w/tons of cabinets, hardwood, island & is open to great rm. Spacious master w/5pc bath, jetted tub. Great find in Observatory Village!
Call Dennis Schick 970-567-3942 dschick001@aol.com
Each office independently owned & operated | 970-482-1781
Each office independently owned & operated | 970-226-3990
14, COMMUNITY-WIDE OPEN HOUSE
OCTOBER 2015
Your Digital Solution Gateway! Let us help you claim your social channels, customize your facebook landing page, target a social ad campaign and much more. Call (970) 224-7714 to learn how we can help your business grow.
COMMUNITY-WIDE OPEN HOUSE, 15
OCTOBER 2015
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OCTOBER 2015
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