At Home Colorado

COMMON PLUMBING PROBLEMS | THE RIGHT REMODELING PLAN | DESIGN TO REDUCE ANXIETY

MARCH 24-25, 2023

COLORADO

BAREFOOT LAKES A refreshing new home community.

And a whole new state of mind.

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ASK ANGI COLORADO ATHOMECOLORADO.COM

COLORADO HOME & REAL ESTATE CONTRIBUTING WRITERS Gabe Bodner Michaelle Bond Emma Castleberry Cathy Cowles Vicky Dorvee Duane Duggan Jennifer Egbert Cathy Hobbs Tom Kalinski ADVERTISING CONSULTANTS Thais Hafer Toni McNeill REAL ESTATE ADVERTISING DIRECTOR Mary Romano MANAGING EDITORS Greg Stone Misty Kaiser Submit your news or home-related events to gstone@dailycamera.com To advertise, call 303.473.1456.

A Marketing Feature of

At Home Colorado is a Marketing Feature that is produced weekly by Prairie Mountain Media. dailycamera.com greeleytribune.com reporterherald.com timescall.com athomecolorado.com ©2022 Prairie Mountain Media.

What are the most common plumbing problems?

Paul F. P. Pogue Ask Angi (TNS)

Like electricity and HVAC, plumbing is one of the most critical parts of your home whose infrastructure you rarely see. Behind your walls, hundreds of feet of pipes serve as the blood vessels of your home, delivering hot and cold water at the turn of a tap.

Plumbing is very easy to take for granted. It works perfectly … right up until the moment it doesn’t.

Here’s a look at some of the most common plumbing problems and how to handle them.

Some plumbing problems can be handled on a DIY basis, but most require a licensed professional plumber. (Dreamstime/TNS)

Slow-draining tubs and sinks Sinks and tubs naturally pick up all kinds of residue, such as soap or hair. This can be as simple a fix as using a pipe snake or a homemade mix of vinegar and baking soda.

However, if multiple sinks have the same problem, you might have an issue with your main line such as a leak, a major clog or tree roots getting into the line, in which case, you’ll need professional help.

Leaky faucets This may be the most common of all plumbing problems (and one of the most annoying!). Usually, a corroded valve, loose washer, or bad O-ring is the problem, and it’s a simple repair. You can often DIY this if you know what you’re doing, but asking a pro can be easier and more reliable.

No hot water Instant hot water is another modern convenience we all take for granted. If you turn the tap and only cold water comes out, you probably have a hot water heater

problem. Take a look and check that it’s working (and if it’s gas-powered, verify the pilot light hasn’t gone out.) Hot water heaters are best left to the pros.

Clogged fixture At the most basic, your plumbing performs two tasks for you: It delivers the water and makes the water safely LEAVE. This service is important for any fixture, but most vital for the toilet for obvious reasons. Plumbing lines depend on a clear path to work right; many things can clog them up. You can often clear out a clog with a plunger, but if that doesn’t work, call for professional help.

Clogged sewer line One of the big ones: A clogged sewer line can cause every fixture in your house to back up, requiring immediate professional attention. A pro often uses a camera to inspect the problem and determine the solution. Sometimes it’s simple to clear out; other times, they may need to auger out tree roots. The more complex the problem is, the

more expensive the repair, and in the worst-case scenarios, the line itself might need to be replaced.

The cost of any job varies greatly based on your system, the parts needed, and where you live. On average, expect to pay about $100$400 for basic services such as leaky faucets or clogged drawings. You’ll pay an hourly rate after that, usually starting around $70.

One more crucial safety tip: Make sure you know where all your plumbing shutoff valves are.

This is the quickest way to shut off potential flooding if a fixture has seriously broken. Sinks and toilets usually have a valve near the floor you can turn quickly. For a serious problem, you can also shut down the main valve that provides all water to your home. This is usually in your basement, utility room, or near the water meter. If you don’t know where this valve is, ask your plumber to show it to you. ____ Tweet your home care questions with #AskingAngi and we’ll try to answer them in a future column.

SUBMIT YOUR NEWS Submit your real estate, home or garden-related news, ideas or press releases to us , visit: athomecolorado.com/submit-your-news or email gstone@prairiemountainmedia.com. Submissions will be considered by our editorial team and may be edited to our editorial standards. All news must be submitted by Monday at 5 p.m. to be considered for that week’s edition.

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DESIGN RECIPES

In a small space, look to minimize the number of colors in order to prevent the space from feeling too busy. Often the use of three colors works best.

8. Greenery

Cathy Hobbs Tribune News Service (TNS)

1. Mirrors

Mirrors used in a creative way can help bounce light and also visually make a studio space seem larger.

2. Alternative dining

Instead of trying to cram a small

Introduce greenery or green elements such as plants, trees and succulents to bring the outdoors in.

9. Stay on scale

In a small space, it is important to include pieces of an appropriate size and scale.

Zones such as a place to sleep, lounge and work help to make a small space feel fully functional. (Handout/TNS)

dining table into the space, bar stools can be used as a counter instead.

working and lounging.

3. A visual divider

The use of white and silver helps make the space bright, while the use of black adds a sense of luxury.

Creating a sense of division can be accomplished in a number of ways, including the use of an open bookcase.

4. Diving a studio into zones

This studio space is divided into distinct zones for sleeping, dining,

5. Use of light colors

6. Addition of warm colors

Using yellow as an accent color is a deliberate choice. Citrus colors such as orange, lemon and lime help brighten a space instantly.

10. Let there be light

In smaller spaces, don’t be afraid to add lots of light in the form of ceiling pendants, floor lamps and table lamps.

(Cathy Hobbs, based in New York City, is an Emmy Award-winning television host and a nationally known interior design home staging expert and short-term rental/vacation home designer with offices in New York City and The Hudson Valley. Contact her at info@cathyhobbs.com or visit her website at cathyhobbs.com.)

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7. Repetition of color

10 tips for maximizing studio space For many, studio spaces are appealing. Small, cozy and intimate, studio spaces can be divided in unique ways. From additions such as sleep lofts to convertible furniture that can serve more than one purpose, it’s possible to live large in a small space.

Here are some elements of a New York City studio loft in which professional staging and a creative layout play a role in successfully showcasing this sunny single-room space.

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Immaculate ranch style home with finished basement. 4 bedrooms, (2 non-conforming), 2 baths, large family room and rec room, newer wood flooring, Newer paint. New HVAC system in 2023 with transferable warranty. Alley access to fenced backyard with storage bldg. and closet & parking. Sprinklers front and back. 2 car attached garage with opener and offstreet parking.

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REAL ESTATE

Remodeling, yes, but is your plan right?

With the rise in the cost of living due to inflation, the ongoing challenge of supply chain constraints and the Federal Reserve’s steady TOM increase in KALINSKI interest rates, you may want to rethink the remodeling you had planned. Whether you just bought a home, are selling your home, or want to make changes to your current home, it’s a good idea to think through what makes economic sense now.

Today, considerations for remodeling include the impact of shortages of building materials, the expected return on investment (ROI) of the remodeling project, and the sheer aesthetic value of the changes you plan.

Read on for tips on thinking through remodeling in inflationary times, as reported by Realtor.com and Remodeling Magazine’s Cost vs.

Value Report 2022.

CHALLENGE NO. 1 Will I face shortages of materials?

You’ve probably noticed that supply of goods and fully stocked shelves have not yet returned to pre-pandemic conditions. The same can also be true in the building supply category; some of the items needed for renovations can be hard to get. By planning and being willing to use alternative materials, your remodeling project could still move forward. In Boulder County, one sustainable option is to check Resource 2000 for the needed materials. It’s always possible to repurpose an old set of cabinets by applying a new finish or find a small piece of countertop for the kitchen nook you want to add.

Constraints on materials and labor have caused the costs of remodeling to rise, which in turn caused the payback — or ROI — to decrease, according to Remodeling Magazine’s Cost vs. Value Report 2022 (www.costvsvalue.com). The report notes that material costs have

increased for the last decade and have risen sharply over the past two years.

CHALLENGE NO. 2 You love the idea, but does the renovation have a good ROI? Remodeling Magazine reports that eight of the ten highest payback projects are exterior renovations.

In the Mountain Region, manufactured stone veneer and garage door replacements have the highest payback value, according to the Cost vs. Value Report. Replacing 300-square-foot of vinyl siding with adhered manufactured stone veneer on a street-facing façade will cost an average of $11,370 and deliver a 92.1% return or $10,475. Replacing a 16x7-foot garage door with a fourpanel steel door with factory-applied paint and windows in the top panel will cost $4,203 and return $3,746 upon sale of the home – an 89.1% payback.

Other projects with higher ROIs include window replacement, entry door replacement, exterior siding, and decks.

“Real estate agents agree any project that enhances outdoor living spaces pays off in mental health dividends and ROI. So anything you do to elevate outdoor living is a winner. That might be improved landscaping, outdoor accent lighting, or fire pits,” writes Realtor. com CHALLENGE NO. 3 Does it improve your home’s curb appeal?

Exterior projects benefit a home’s curb appeal, which is one reason the payback is high. For those selling their home, the impact of a positive first impression affects the offer price buyers are willing to make. If a homebuyer’s first impression is a well-cared-for home, the positive impression frames how they view the house’s interior. If the exterior is in bad shape or needs paint or repairs, buyers begin to downgrade what they might be willing to pay.

Plus, it has the added benefit of your neighbors taking note, which makes you feel good — raising the ‘joy’ factor of living in your home. Realtor.com suggests

moving ahead with some of the most straightforward fixes: “The superficial fixes count here and big, such as pressure-washing and painting the facade, a new front door, house numbers, mailbox, and landscaping garner good ROI.” Whatever projects you choose to do, planning can help you avoid delays and enjoy the process. Be sure to read the full articles referenced here: https://www.realtor.com/ advice/home-improvement/howto-decide-what-to-renovate-duringinflation/ and www.costvsvalue.com. _________ Tom Kalinski is the broker/owner of RE/MAX of Boulder, the local residential real estate company he established in 1977. He was inducted into Boulder County’s Business Hall of Fame in 2016 and has a 40-year background in commercial and residential real estate. For questions, e-mail Tom at tomkalinski33@gmail. com, call 303.441.5620, or visit boulderco.com.

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5926 Saint Vrain Rd $2,595,000 Unique 24-acre property with water and views. Custom ranch-style home with 3 bedrooms.

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10121 Yellowstone Rd $4,950,000 109-acre irrigated estate with ranchstyle home, ADU, multiple outbuildings.

1117 5th Ave $4,900,000 56-acre parcel with stunning views, pond and improvements.

Steps to Downtown Lyons.

9849 Isabelle Road $2,400,000 Commercial greenhouse and residence on 31 acres. Ample office, storage and workshop space.

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REAL ESTATE

30-Year mortgage rates retreat for first time in 5 weeks Vince Golle

Bloomberg News (TNS)

A house’s real estate for sale sign is seen in front of a home in Arlington, Virginia, on Nov. 19, 2020. U.S. mortgage rates declined for the first time in five weeks, helping propel a measure of home-purchase applications to the highest in a month. (Saul Loeb/AFP via Getty Images/TNS)

Wendy Conder

U.S. mortgage rates declined for the first time in five weeks, helping propel a measure of home-purchase applications to the highest in a month.

The contract rate on a 30-year fixed mortgage fell eight basis points to 6.71%, according to Mortgage Bankers Association data released Wednesday. The group’s index of mortgage applications for the purchase of a home increased 7.3% to 165.6, the highest since the week ended Feb. 10.

The decline in mortgage rates coincided with a sharp drop in 10-year Treasury yields as investors flocked to the safety of government securities on fears of contagion stemming from the

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collapse of Silicon Valley Bank.

That’s also prompted traders to bet the Federal Reserve will proceed with a 25-basis point hike next week as opposed to 50.

Mortgage News Daily, which updates more frequently, put the 30-year rate at 6.75% late Tuesday.

The MBA’s index of refinancing applications also increased in the week ended March 10, helping boost the gauge of overall mortgage applications 6.5%.

The MBA survey, which has been conducted weekly since 1990, uses responses from mortgage bankers, commercial banks and thrifts. The data cover more than 75% of all retail residential mortgage applications in the U.S.

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5 Bedrooms • 3 Bathrooms • 3,375 SQFT • $1,925,000

Built originally in 1910, this beautifully maintained, updated & restored Craftsman-style home sits on an oversized 1/3 ACRE lot and is centrally located in Boulder convenient to walking/biking paths, parks, Pearl St, 29th Street & public transportation.

The traditional floor plan offers wood flooring, plenty of natural sunlight, updated kitchen and bathrooms, newer windows, lighting, paint & 5 mini-splits for cooling. The finished basement with a separate entrance could be a great short-term rental.

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3 Bedrooms + Office • 4 Bathrooms • 3,489 SQFT • $2,000,000 Historic Boulder Victorian home built originally in 1889 and moved to its current location overlooking Boulder Creek in highly desirable West Boulder. The architecturally striking Queen Anne home offers a wrap-around front porch, charming interior with high ceilings & wood floors, upper & lower decks & spacious primary suite with nicely updated 5-piece bath.

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REAL ESTATE

Increasing the velocity of your wealth: Transfer single-family to multi-family homes

Investing in single-family homes is a great way to get started in investing in real estate. Once you build some equity in those investments, it might not be a DUANE bad idea to look DUGGAN at transferring that equity into multi-unit buildings. Doing so will increase the velocity of your real estate investment.

The first reason is efficiency.

Multi-family investments are far more efficient than single-family homes in many ways. Compare buying 25 single family homes compared to buying one 25 multiunit. In order to buy 25 single family homes, you need 25 loans, 25 appraisals, 25 title insurance policies, 25 hazard insurance policies, 25 closings, etc. Then, once you own it, management is so much easier for 25 units in one location, instead of 25 single family homes all over town.

The efficiency of a multi-unit building enables cash flow to increase. One of the quick ways to test this concept is to study the Gross Rent Multipliers (GRM) of single-family homes versus those of multi-units. This is a common “rule of thumb” because the information is readily available, and it is easy to compute by simply dividing the purchase price by the annual gross rent. The lower the multiplier number, the greater return on the invested dollar. The GRM is just a quick and dirty method to analyze a building. It does not take into account things such as owner paid utilities, etc., but often will eliminate a building from consideration immediately, because it isn’t even close to market value.

Shopping for a multi-unit property is different than shopping for a single-family home. You might be allowed to see just a few of the units before writing a contract.

Sometimes sellers won’t allow you to look at units at all until you have a fully executed contract with the seller. Then, during the appraisal and inspection process, you should be

able to access most of the units.

Obtaining all of the expense numbers from a seller can sometimes be difficult. Collecting your own estimates for insurance, management, maintenance, and repairs is a good idea. That way, you can have a more realistic expectation of how the property will perform.

Contracting on a multi-unit building is the same as contracting on a single-family home, up to four units. Once the five-unit threshold is reached, the contract is a commercial contract. That contract contains provisions that better meet the needs of a multi-family transaction.

As a multi-unit owner, you will want to research how you will hold title. In most cases, the business entity, called a Limited Liability Company (LLC) is a good choice.

This is where you should partner with your CPA and attorney to make sure you are holding title using a method which is best for your

situation.

Financing for a five-plus unit building is also different. The typical one- to four-unit lender generally will not have access to multi-unit financing. It is a good idea to research lenders to determine which ones are in that marketplace. You will also find that there are not 30-year loans available. Usually, the terms are 5,7 or 10 years fixed, then become due or convert to an adjustable-rate loan. Loan to value ratios are not as precise as buying a single-family home. Most multi-unit lenders will use a formula, called the debt coverage ratio, to determine the loan amount. The debt coverage ratio is determined by taking the annual rent, less all the annual expenses. That number needs to be 1.2 (or 120%) of the total debt service for the year.

Insurance for a multi-family building is also a specialty, crossing over into commercial insurance,

instead of residential insurance.

Select an insurance company which is very familiar with the specific needs of a multi-unit building.

Insurance expense has increased dramatically in recent years, making it very important to shop around for the right coverage for your needs.

Closing day is pretty much the same as a single-family closing, except there are a few additional items. Those items usually include assignments of leases, tenant estoppels, the proration of rents, and the transfer of security deposits.

FHA 4-Unit Purchase Broadly speaking, a multi-unit purchase is not someone’s first real estate investment due to down payment requirements. However, there is a program available through FHA that makes it easier for the first-time multi-unit investor to get started. The Federal Housing Administration (FHA) has a program in which you can buy up to a four-unit apartment building with low down payment financing.

The catch is that in order to get the low down payment, it needs to be owner-occupied. In other words, you need to live in one of the units and rent the other three. The FHA program is subject to loan limits, by county, that could prevent it from working in very high-cost areas.

Build Your Team of Professionals To be successful in multi-unit ownership, you need to have a team of professionals, experienced in the residential multi-unit world, to make the process go smoothly. That team includes a REALTOR®, property manager, lender, insurance agent, attorney and CPA or accountant.

Building a relationship with each one of them prior to your first purchase will increase your likelihood of success.

————————— Duane has been a Realtor since 1982. Living the life of a Realtor and being immersed in real estate led to the inception of his book, Realtor for Life.

For questions, e-mail DuaneDuggan@ boulderco.com, call 303.441.5611 or visit boulderco.com.

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3312 Meining Road Berthoud 911 High Mountain Drive Berthoud 138 Bonanza Drive Open Sat. 1-3pm & Sun. 12-2pm $935,000 Open Sat. 11-1pm & Sun. 1-3pm $1,899,999 Open Sat. 11am-1pm Multi-level 6bd/3ba. Great views and privacy!

New Custom Home 2 acres. Incredible Views! Gorgeous Panoramic Views! www.3312.wkre.com www.911.wkre.com www.138.wkre.com Jim Green: 303-775-2553 Janet Borchert: 720-564-6034 Janet Borchert: 720-564-6034

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Erie $754,000

3312 Conestoga Court Evans 1200 Columbia Drive Longmont 2166 Lombardy Street Longmont Open Sat. 12-2pm $465,000 Open Sat. 12-2pm & Sun. 1-3pm $725,000 Open Sat. 10am-12pm $900,000 Spacious with views! Move in Ready!

Lovely 2-Story, Desirable West Longmont.

Beautiful Somerset Meadows Home! www.3312C.wkre.com www.1200.wkre.com www.2166.wkre.com Jenny Oliveira Getting: 970-534-1188 Jim Green: 303-775-2553 Roz White: 720-564-6017

3093 Ouray Street Boulder 2801 Pennsylvania Avenue #104 Boulder 404 N. Bermont Street Lafayette New Listing! $1,339,000 New Listing! $1,550,000 New Listing! $695,000 Immaculate 3B, 3B luxury townhome-2 car gar. Rarely available unit in One Penn Place!

Nice 2 story home in fantastic neighborhood. www.3093.wkre.com www.2801.wkre.com www.404.wkre.com Ardee Imerman: 303-946-5458 Beth Goltz: 303-570-9906 Judy Scott: 303-931-7220

BOULDER OFFICE: 303.443.2240 LONGMONT OFFICE: 303.776.3344 wkre.com

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Make one of these great properties yours!

Amazing Custom Home Overlooking Carter Lake

1127 Hertha Ridge Road, Berthoud

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$1,800,000

3 Bed • 5 Bath • 5 Garage Spaces • 5,133 Total SqFt Enjoy year-round living with amazing views in this custom-built home in the foothills outside Berthoud! Property overlooks Carter Lake with its many recreational opportunities such as kayaking, fishing, hiking, biking and more!

Enter into 13-foot vaulted ceilings, hardwood floors, arches, skylights, and an open floorplan. The finished walk-out basement includes a rec room with second kitchen perfect for entertaining. Home includes over 2000 square feet of heated garage space with both an 3 car upper and 2 car lower.

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940 S County Road 29, Loveland 2 Bed • 2 Bath • 2890 Total SqFT • 3 Garage Spaces $1,195,000 • MLS# 979390 Rare acreage property with 360 degree views and less than 20 minutes from Downtown Loveland! This raised ranch home is located on 70 private acres, comprising of 2 separate parcels, with no HOA and no Metro District!

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9800 W US Highway 34, Loveland 3 Bed • 4 Bath • 2 Garage Spaces • 8,734 Total SqFt $18,000,000 • MLS# 973703 Never listed before in its entirety is Heaven’s Door Ranch! Located just west of Downtown Loveland and off of Highway 34, the gateway to Estes Park and Rocky Mountain National Park, is this 1,547 acre ranch consisting of 15 parcels and featuring 100 shares of highly desirable C-BT Water!

1052 Streamside Drive, Glen Haven 2 Bed • 1 Bath • 1,150 Total SqFt $425,000 • MLS# 973991 Here’s your opportunity to have your own mountain cabin in the popular Retreat area of Glen Haven, Colorado!

This John Barlow quality built cabin would be a perfect mountain get-away or year-round residence.

22 Tami Rd, Red Feather Lakes $100,000 • MLS# 977712 Level lot with great views bordering community open space. Easy to access in all four seasons with no 4x4, 4WD, or high clearance vehicles necessary! Build your dream home or use as a weekend get away that’s close to home! By Appointment Only. Schedule your showing today!

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www.RealEstateInNorthernColorado.com Information deemed reliable, but not guaranteed. © 2023 C3 Real Estate Solution, LLC.

MARCH 24-25, 2023

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RETIRE RIGHT

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11

How do you plan for the unplanned?

Have you ever heard the adage, “Stuff happens?”

Well maybe you heard someone use a different word or maybe you have even said this phrase yourself. The GABE reality is that BODNER most of us have said this more than once in our lifetime because it is true, stuff happens! In fact, this phrase is even in Wikipedia and if you read what it says in Wikipedia, it says that “life is full of unpredictable events…”. I personally have modified this phrase and I say, “Life happens!”

So how do we plan for retirement when we simply don’t know what is going to happen tomorrow?

The world is filled with uncertainty and yet we must create a plan, so how do we do that? Well, one of the best ways is to have a contingency or backup plan in case your plan does not go according to the plan. Yes, you read that right, you must create a backup plan in case your plan does not go according to your plan. In other words, you must plan on your plan not going according to plan. Let me provide you a few statistics to validate my point: • The housing market is in the process of value correction… house prices have gone down from their peak in 20221 • Only one in three retirees

TIPS FOR MOVING

| THE LIGHTER SIDE | HOME

COLOR TRENDS JANUARY 6-7, 2023

CO LO RA DO

(38%) have saved enough for retirement2 • Nearly one in three retirees (30%) have nothing saved2 • 65% of retirees say they are not financially secure2 • More than half of retirees (51%) believe they will outlive their savings entirely2 • Nearly two-thirds of retirees (64%) retired earlier than they planned, with more than half citing health issues as the reason2 • 48% of retirees say the economic downturn of the COVID-19 pandemic impacted their finances- and 49% of those said their finances still have not recovered2 • 10 million seniors have reduced cash flow due to existing mortgage debt3 • Senior housing wealth has hit a new record at $11.81 Trillion, as per Q3 2022 for homeowners 62 and over4 I am not here to scare you, however I want you to understand the economic factors that we are facing in today’s economy. The reality is that people are living longer and the cost of living consistently goes up over time. Additionally, the longer we live, the more money we will need. On top of all of that, as we age, “life happens!” People get sick, have a loss of income or a loss of a spouse, etc. When these things happen, how do we handle our

finances? Do our expenses go down as we get older or when we lose a spouse? Not typically. My father used to say, when life hands you lemons, make lemonade! This is why I tell people that you should get an umbrella so you are prepared for a rainy day.

There are different strategies to protect yourself in the event of a “rainy day” or when life hands you lemons. I am not in expert in all of the options or all of the different strategies, which is why I highly recommend that you work with industry professionals for expert advice like: a tax advisor for your income taxes, a financial advisor for your financial plan/retirement plan, an estate planning attorney for your estate plan, and a mortgage advisor to help you manage your mortgage and also manage your equity. Most people consider their home equity as part of their overall net worth, but most people do not have anyone to help them to manage their home equity. This is a huge disconnect in my opinion considering the fact that 73% of older American’s greatest asset is their home. This is something that you might consider discussing with your financial advisor and suggest bringing in a mortgage advisor who can help you review all of your options, including how to incorporate home equity into your retirement plan.

Overall, I suggest that you make a plan and then create a backup plan. You should meet with the appropriate professionals to help you create your plan, fund your plan and manage your plan. Don’t just make

a plan and throw it in a drawer and forget about it. Lastly, do not be afraid to incorporate some of your home equity as part of your overall retirement plan. There are great ways to safely incorporate home equity using a reverse mortgage or a home equity conversion mortgage while still maintaining ownership of your home and without the requirement of making a monthly mortgage payment as long as you remain living in the home and pay your property taxes, homeowner’s insurance, maintain the home and pay HOA dues if applicable.

SOURCES 1. https://www.yahoo.com/now/ second-biggest-home-pricecorrection-181833868.html 2. https://listwithclever. com/research/retirementfinances-2022/ 3. https://hecmworld.com/reversemortgage-news/10-millionseniors-have-mortgage/ 4. https://reversemortgagedaily.com/ articles/senior-housing-wealthhas-hit-a-new-record-at-11-81trillion/ Gabe Bodner is a retirement mortgage planner and licensed mortgage originator in Colorado.

Gabe utilizes the latest research from the top researchers to assist his clients to live for today and plan for tomorrow. To reach Gabe, call 720.600.4870, e-mail gabe@bodnerteam.com or visit reversemortgagesco.com.

ADVERTISE WITH US!

Colorado Scores Multiple “Bests” In 2022

COLORADO .com Call Thais Hafer at 303.473.1456 or Toni McNeill at 303.684.5329 or visit AtHomeColorado.com/advertise MARKETING FEATURE

Boulder County | North Denver Metro Area | Northern Colorado

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COVERPROFILE

BAREFOOT LAKES

A refreshing new home community.

And a whole new state of mind.

Situated in Firestone, Colorado, you’ll find something not often found so close to the city: a new home community with not one, but two, lakes. And no, not just the decorative kind. The honest-to-goodness type that encourage you to get out the paddleboard, kayak or fishing pole and spend some quality time on the water.

Welcome to Barefoot Lakes — new homes from Lennar and Brookfield Residential priced from the $400s, plus three models (including one brand-new one) to tour. All situated along two namesake lakes that offer countless ways to seize the day.

Of course, at Barefoot Lakes “lake life” extends past the shoreline. There are also miles of trails (including a 2.8-mile loop that winds around the lakes and along the St. Vrain River), and a plethora of parks. For more recreation (or relaxation), residents also have The Cove, a community gathering spot within the community that features a six-lane competition pool with a beach-entry and splash pad, sports courts, a well-equipped fitness center, and a welcoming clubhouse.

It’s easy to see why there’s a feeling of ease and comfort here … a laid-back atmosphere that the word “Barefoot” captures so perfectly.

IN THE MIDDLE OF IT ALL

While there’s enough to do in the community to fill your days, Barefoot Lakes’ location puts you in an ideal spot to experience some of the best attractions in Colorado.

Denver is just 30 miles south, should you want to cheer on your favorite sports team, take in a show at the Denver Center for Performing Arts or concert at Ball Arena, or experience

the vibrant restaurant scene. Head the same distance north or west, and you can take in the college-town charm and spirit of Fort Collins and Boulder, respectively. And if you’re in the mood for a quintessentially Colorado day trip, Estes Park and Rocky Mountain National Park are 35 miles away (but feel a world apart).

Looking for dining and shopping a little closer to home? You’ll find all the conveniences you need in Firestone and nearby Longmont.

THE HOMES: WHERE LIFE MEETS STYLE

There are plenty of ways to get out and enjoy life at Barefoot Lakes and the surrounding areas. But don’t be surprised if the new homes entice you to stay indoors instead. The community has two esteemed builder partners, Brookfield Residential and Lennar, who offer a variety of meticulously crafted homes that have been thoughtfully designed to meet — make that exceed — the wants, needs and lifestyles of today’s families, no matter their stage in life.

Brookfield Residential’s Mosaic Portfolio starts in the high $400s and

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includes one- and two-story single-family homes with open floorplans and up to 5 bedrooms, which means there’s room for families of all sizes. Even your gear will have its own space, thanks to the 3-car garages. The builder has left no detail overlooked. Which is why you’ll find indoor/outdoor entertaining areas, along with a centrally located flex space aptly called “myHub” that caters to working, crafting, or homework-ing. Brookfield just opened a new Mosaic model, and a tour through the furnished home is the perfect way to experience how it feels firsthand.

The two-story homes in Lennar’s Pioneer Collection start in the $500s and offer ample indoor (and outdoor) space for entertaining and multigenerational living. And with Lennar, Everything’s Included®, from upgraded cabinetry to Smart Home features. Those who live with extended family will appreciate the Chelton “Next Gen®” home in particular. The floorplan features a “main home” with an open layout and three bedrooms on the first level and a spacious owners’ suite on the second, plus a “home within a home” private suite with its own separate entrance, living room, kitchenette, bedroom and bathroom. The Chelton is one of Lennar’s models at Barefoot Lakes, so you can see just how impressive the space is.

AN EXCEPTIONAL SCHOOL DISTRICT

Kids at Barefoot Lakes not only get a great place to live, they get great places to learn.

The community is located in the highly rated St. Vrain Valley School District, where smalltown spirit meets big-time ratings. Barefoot Lakes feeds into Mead Elementary, Mead Middle School and Mead High School — all educational opportunities that have a solid

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reputation for their sports, arts and academic programs. (Bonus: they’re all within about 5 miles of the community, too.)

LAKE LIFE AWAITS

With model homes open daily, a homefinder on the website, and a few residences available soon for move-in, it’s easy to find your new home on your timeline. Then all that’s left to do is enjoy the great outdoors in this great community. The question is what will you do first: canoe, kayak, cast a line for a crappie, or take in one of Colorado’s breathtaking sunsets?

| AT HOME

TO LEARN MORE You can find out more about Barefoot Lakes on their new website: www.BarefootColorado.com Or, visit the community, located right off I-25 at Exit 240: 12636 Lake Terrace Street Firestone, Colorado, 80504

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A guide to decorating with florals Try to create a balanced look by distributing the elements evenly throughout the arrangement.

3. Add in filler flowers and greenery: Once you’ve added the dominant flowers, fill in the gaps with smaller blooms and greenery.

4. Create depth and dimension: If your arrangement has a front and back (meaning it will be placed in a spot where it won’t be seen from one side), add taller flowers or greenery toward the back and shorter stems toward the front. If your arrangement is going to be viewable on all sides, keep your taller pieces in the center, and the edges lower.

5. Finish with the final touches: Step back and assess your arrangement, and adjust any flowers as needed.

Katie Laughridge

Tribune News Service (TNS)

Florals are a timeless and versatile element that can enhance just about any interior aesthetic. From bold and dramatic to soft and subtle, floral prints and arrangements can add color, texture and visual interest to any room. However, incorporating florals into your home decor can be daunting, especially if you’re not sure where to start.

Whether you’re a seasoned decorator or a beginner, this comprehensive guide to decorating with florals will provide you with practical tips and inspiration to help you create a statement arrangement for the season or a beautiful and inviting floral-inspired home.

Choosing your vessel Selecting the right vessel for a floral arrangement is just as important as choosing the right stems. The vase or container you choose can make or break the overall look and feel of your arrangement, so it’s important to consider factors such as size, shape, color and texture.

A good rule of thumb is to choose a vessel that complements the style and color scheme of your flowers while also being appropriate for the occasion and setting.

When selecting a vessel for a floral arrangement, consider the size and shape of your blooms. Large, full arrangements may require a wider, more substantial vessel to support the weight of the flowers, while smaller, more delicate arrangements may benefit from a smaller, more compact vase. The color and texture of the vessel can also play an important role in the overall aesthetic of your arrangement. A simple glass vase can create a classic and elegant look, while a textured ceramic or metal vessel can add a more rustic or industrial feel.

Ultimately, the vessel you choose should enhance the beauty of your flowers and complement the overall style and ambiance of your home.

Creating a permanent botanical arrangement Faux flowers offer several benefits over fresh stems. For one, they last much longer and can be enjoyed

Selecting the right vessel for a floral arrangement is just as important as choosing the right stems.

(Handout/TNS)

for years rather than just a few days.

Additionally, faux flowers require no maintenance like watering or pruning, and they can be easily dusted or cleaned with a damp cloth.

Faux florals also offer more versatility in terms of colors and styles, and they can be found in almost any variety of flower imaginable.

But what I love most is that they can be arranged and rearranged in endless combinations. Arranging your permanent florals is a much more forgiving process than arranging live ones, I’ve found, and following these steps for a foolproof arrangement every time.

1. Prep your vessel: Determine if your container needs a little prep work before you start inserting stems. If you have a wide opening, you may need to create a grid with floral tape to keep stems in place.

You can do this by placing a few strips of tape across the opening about 1 inch apart. Repeat the process with new strips running perpendicular to the first set of strips.

2. Begin arranging: Start with the largest and most dominant flowers and stems, and insert them into the vessel at varying angles. Create a “frame” with your sturdiest branches.

An orchid adds sophistication If you are looking to add a touch of elegance and sophistication to your room, look no further than a potted orchid. Its delicate and graceful blooms, vibrant colors and unique shapes create a striking focal point that draws the eye and enhances the visual appeal of the space. On their own, they’re a perfect addition to a simple vignette, or if you’d like to add a little drama to a room, consider a pair of symmetrically placed orchids.

Tulips add a touch of elegance Tulips come in a variety of colors, so you can choose the perfect shade to complement your decor. For a simple yet stylish arrangement, place a few tulips in a tall vase and let their long stems create graceful lines. Or, mix and match different colors and types of tulips in a low vase or bowl for a more eclectic look. Tulips are also versatile enough to work well in both modern and traditional settings. Whether you’re decorating a dining room table, a mantel or a bedside table, a vase of tulips is sure to brighten up the space and bring a touch of springtime indoors.

Decorating with greenery I love the look of wild and bright greenery for spring. That pop of color pairs well with just about everything, but I especially love the way it looks with blue and white. Greenery is so versatile and

works well on its own, but it also creates arrangements full of depth and dimension when mixed and matched. From bushy eucalyptus fronds to bold and beautiful monstera leaves, greenery is more than just filler.

Creating organic-looking arrangements Creating whimsical organiclooking floral arrangements is all about embracing the natural beauty and textures of your flowers. Start by choosing blooms that tend to have a wilder appearance, such as roses, ranunculus or wildflowers. You can also add in interesting elements such as branches, vines or dried grasses to create a more rustic and natural feel. When arranging your flowers, aim for a loose and unstructured look, with some stems sticking out at different angles and varying heights.

To create an arrangement truly inspired by nature, it’s important to pay attention to the textures and colors of your blooms. Mix and match different textures, such as smooth and shiny petals with rough and fuzzy foliage, to create depth and interest. Don’t be afraid to mix and match colors as well, such as soft pastels with bright pops of color.

When arranging your flowers, start with the larger blooms and work your way down, filling in the gaps with smaller flowers and greenery. Remember, the key to an organic-looking arrangement is to let go of perfection and embrace the natural beauty of your blooms.

By following some of the tips and tricks outlined in this guide, you can create stunning arrangements that enhance the style and ambiance of your space. Experiment with different colors, textures and styles, and have fun exploring the endless possibilities florals have to offer.

(Adapted from nellhills.com. Katie Laughridge is the owner of Kansas City interior design destination Nell Hill’s.

For more information, contact Katie at info@nellhills.com.)

MARCH 24-25, 2023

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WANT MORE INFORMATION? Check out these homes and many more at:

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SPACIOUS LUXURY 860 Aurora Ave BOULDER $3,195,000, 4 Beds, 4 Baths, 3763 SqFt

LUXURY MOUNTAIN HOME 1524 W Coach Rd BOULDER $2,500,000, 4 Beds, 4 Baths, 4694 SqFt

QUALITY BUILT IN NEWLANDS 3265 6th St BOULDER $2,385,000, 5 Beds, 3 Baths, 3051 SqFt Leyla Steele 303-859-3110

NEW CUSTOM HOME 110 Foxtail Cir BLACK HAWK $1,450,000, 4 Beds, 4 Baths, 3624 SqFt

ESTABLISHED MTN CAR WASH 130 Jankowski Dr BLACK HAWK $1,200,000, 3 Self-Serve, 1 Automatic

COMPLETELY REMODELED 3040 E Yarrow Cir SUPERIOR $1,150,000, 4 Beds, 4 Baths, 2451 SqFt

AMAZING OPPORTUNITY 1895 Redwood Ave BOULDER $1,090,000, 2 Beds, 2 Baths, 1630 SqFt

LOW MAINTENANCE PATIO HOME 8414 Quartz Cir ARVADA $1,049,500, 3 Beds, 3 Baths, 4001 SqFt

BRAND NEW TOWNHOME 658 Paintbrush Ln SUPERIOR $694,900, 2 Beds, 4 Baths, 1650 SqFt

RANCH BEAUTY 1816 Sunshine Ave LONGMONT $680,000, 2 Beds, 3 Baths, 2730 SqFt

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PRIVACY ON A CORNER LOT 3697 W 118th Pl WESTMINSTER $839,000, 3 Beds, 3 Baths, 3336 SqFt

2-2 n1 Su & 2-4

COLLIERS HILL HOME 110 Nova Ct ERIE $800,000, 4 Beds, 4 Baths, 3955 SqFt Jim Thomas 303-543-0625

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BEAUTIFUL HOME, OPEN LAYOUT 7855 E 124th Dr THORNTON $664,500, 3 Beds, 3 Baths, 3596 SqFt

RARE FIND 1463 Moonlight Dr LONGMONT $659,000, 4 Beds, 3 Baths, 3528 SqFt

EVERYTHING YOU NEED 4635 Chestnut Ln 3 BOULDER $649,900, 2 Beds, 4 Baths, 1794 SqFt

BEAUTIFUL SPLIT LEVEL HOME 1321 Hilltop Dr LONGMONT $575,000, 4 Beds, 3 Baths, 2346 SqFt Natasha Hubbard 303-909-3810

MANY UPGRADES THROUGHOUT 2415 Water Cress Ct LONGMONT $520,000, 3 Beds, 3 Baths, 1513 SqFt

CUSTOM HOME SIZED LOT 945 Saint Andrews Ln LOUISVILLE $435,000, 0.16 Acre

HOME, SWEET HOME 1342 Sharpe Pl LONGMONT $432,000, 3 Beds, 1 Bath, 1488 SqFt

SPECTACULAR VIEWS 1554-1624 Hauck Meadows Dr FREDERICK Prices & Sizes Vary

Downtown Boulder 303.442.3180 1911 11th St #200 Boulder, CO 80302

Downtown Longmont 303.651.3939

Lafayette 303.497.0588

512 4th Ave #101 Longmont, CO 80501

109 N Public Rd Lafayette, CO 80026

Nederland 303.258.7070

Louisville 303.666.6500

286 N Bridge St Nederland, CO 80466

225 W South Boulder Rd Louisville, CO 80027

Each office independently owned and operated.

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Why should you use our expert buyers agents on a new build?

BoulderHomeSource Team

• Your agent will be YOUR advocate and represent YOUR interests • Assistance with the details of the purchase contract • Advice on inspections, loan options, construction walk throughs, etc

All at no additional cost to you. Call your new build expert at 303.543.5720

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To view a more cities and a more complete list of new home communities and builders across the Colorado Front Range, view our interactive map online at: www.AtHomeColorado.com/NewHomeMap

O

ur region is home to more than 700,000 residents and includes some of the most diverse, natural landscapes and sustainable development along the Northern Front Range of Colorado. It’s no wonder why those who live here stay and why our the area is coveted as a place to relocate to. Here we highlight a selection of the area’s new home communities and which builders are building where.

BERTHOUD 1

Farmstead Builder: Sage Homes

2

Rose Farm Acres Builder: Richmond American

3

Heron Lakes – TPC Colorado Builder: Landmark Homes, Lifestyle Custom Homes, Toll Brothers

BOULDER 4

Velo Condos Builder: Thistle Velo LLC

BROOMFIELD 5

6

11 Erie Highlands

LAFAYETTE

SUPERIOR

12 Erie Village

26 Blue Sage Builder: Markel Homes

41 Downtown Superior

Builder: Oakwood Homes Builder: Porchfront Homes

13 Flatiron Meadows

Builder: KB Home, Taylor Morrison, Toll Brothers

14 Morgan Hill

Builder: Lennar

15 Rex Ranch

Builder: Taylor Morrison

16 Westerly

Builder: McStain Neighborhoods, SLC Homes, Wonderland Homes

28 Silo

Builder: Cornerstone Homes Builder: Markel Homes

LONGMONT 30 Highlands at Fox Hill

Builders: Dream Finders Homes, Landmark Homes

FIRESTONE

LOUISVILLE

18 Barefoot Lakes Builder: Brookfield Residential, Creekstone Homes, Lennar, Richmond American Homes

33 North End

FREDERICK 19 Seasons at Silverstone

Builder: Richmond American Homes

Vive on Via Varra Builder: Meritage Homes

21 Promontory

20 Northridge Trails Townhomes

Builder: Hartford Homes Builder: Journey Homes

JOHNSTOWN

7

Coal Creek Commons Builder: Century Communities

22 Park House

8

Colliers Hill Builders: Boulder Creek Neighborhoods, KB Home, Richmond American

23 The Ridge at Johnstown Builder: Bridgewater Homes

Thompson River Ranch Builder: Oakwood Homes

24 Pintail Commons at Johnstown

Village Builder: Richfield Homes

42 Heights at Downtown Superior

Builder: Toll Brothers

43 Lanterns at Rock Creek

Builder: Boulder Creek Neighborhoods

29 Silver Creek

32 Terry Street Townhones

Builder: Lennar

GREELEY

9 Compass Builder: Lennar

Avalon Meadows Builder: Von’s Colorado Concepts

17 Wild Rose

Baseline Colorado Builders: Boulder Creek Neighborhoods, Meritage Homes, Thrive Home Builders

ERIE

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Builder: Thrive Home Builders, Remington Homes

Builder: New Leaf Properties

Builder: Markel Homes

44 Montmere at

Autrey Shores Builder: Koelbel

45 Rogers Farm

Builder: Boulder Creek Neighborhoods

TIMNATH 46 Harmony

Builder: Landmark Homes

47 Serratoga Falls

Builder: American Legend Homes, Richmond American Homes

LOVELAND 34 The Enclave at Dakota Glen

48 Timnath Lakes

35 The Enclave at

49 Trailside

36 Eagle Brook Meadows

50 Wildwing Patio Homes

Builder: Glen Homes

Mariana Butte Builder: American Legend Homes

Builder: Bridgewater Homes, Challenger Homes

37 The Lakes at Centerra

Builder: Bridgewater Homes, Landmark Homes, KB Home

Builder: Toll Brothers Builder: Wonderland Homes

Builder: Hartford Homes

WINDSOR 51

Country Farms Village Builder: Landmark Homes

38 Kinston at Centerra

52

Greenspire Builder: Windmill Homes

MILLIKEN

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RainDance Builder: American Legend Homes, Hartford Homes, Wonderland Homes

Builder: Richmond American Homes, Dream Finders Homes

39 Brookstone

Builder: Windmill Homes

40 Sunfield

Builder: Windmill Homes

25 Mountain View

Builder: Baessler Homes

54 Seasons at

Hunters Crossing Builder: Richmond American Homes

55 Vernazza

Builder: Landmark Homes

56 Village East

Builder: Journey Homes

FIND YOUR DREAM HOME! “We originally thought we did not need an agent to help us with our new home purchase and after several months of frustration, a friend suggested we contact Mary at Boulder Home Source, within a month she helped us find the perfect new build and negotiated a lower rate and upgrades that we never expected.”The Smiths

Visit Boulder County’s #1 Real Estate Website www.boulderhomesource.com

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HOME IMPROVEMENT

How to design your living space to reduce anxiety Hunter Boyce

The Atlanta Journal-Constitution (TNS)

Homeowners are looking for ways to make their homes feel less like last bastion from the world’s troubles and more like a paradise of rest and relaxation.

Here are some of the top ways expert interior designers are decorating homes to reduce anxiety this year.

Biophilic design Biophilic design is the practice of incorporating nature into interior design, and designers are making the most of it this year. According to House Beautiful, simply using house plants can decrease stress levels — making this style of design perfect for a generation of homeowners looking for a way to bring the outside in.

Natural colors and textures While house plants are a great way to

bring a calming mood to the living space, natural colors and textures can reinforce the effect in a powerful way.

“Softer neutrals with hints of color bring calm into an environment,” Suzanne Tick, creative director at Luum Textiles, told Forbes. “Woods, stone, natural fibers enliven the senses. Tactility plays an important role as well — we all want softness — but a feeling of safety and cleanability, not sterility, is also important. Natural fibers like wool offer softness, while using renewable resources that can be sanitized as needed.”

Better lighting Once your living space is accented with plant life and filled with natural textures and colors, your home will need some proper lighting to illuminate it all. But not just any lighting will do.

Take advantage of natural light during the day and bulbs that generate gentle, warm lights during the night.

While house plants are a great way to bring a calming mood to the living space, natural colors and textures can reinforce the effect in a powerful way.

(Dreamstime/TNS)

“Having a bright, lighted room is an easy way to make a space feel more inviting and put together,” co-founder and principal designer of BANDD DESIGN, Sara Barney,

told Better Homes & Gardens.

“Consider adding in some sconces, a floor lamp, desk lamp, or pendants to bring more light to those darker spaces in your home.”

OPEN HOUSES OPENHOMES.ATHOMECOLORADO.COM

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OPEN HOUSE SAT 10:00-11:30AM

ICE PR

Open Saturday 12pm-2pm

2010 46th Ave. #5, Greeley $398,000

2166 Lombardy Street, Longmont $900,000

Highly coveted Village at Foxhill townhome. This beautifully maintained, open floor plan home with vaulted ceilings and a loft, allows you to be connected with friends and family or to sneak away for peace and quiet. Main floor primary suite and laundry allows for single level living when necessary.

Basement hosts a large bedroom and sizeable bathroom alongside a tranquil family room, potential workshop and tremendous storage. New Pella windows 2021, New furnace and A/C 2018. All bedrooms are on separate levels with bathrooms! Brick exterior, attached garage and private patios allow for easy living with no hassle. HOA takes care of all exterior.

Office: 970-330-7700 www.SearsRealEstate.com

LIST YOUR OPEN HOUSE

Listed By Sonja Belfiore 970-978-7012

Hosted By Will Warren 970-581-3122

Roz White 303-564-6017 rwhite@wkre.com

Make sure you come see this Somerset Meadows beauty in Longmont! A 4 bed, 4 bath house with green space surrounding it. Everything you need in this well designed home: open floorplan with a gorgeous gas fireplace, office with a closed doors and a perfectly placed mudroom on the main level. Ample storage throughout the house.

www.2166.wkre.com

VISIT OPENHOMES.ATHOMECOLORADO.COM OR CALL 303.473.1456, 303.684.5329

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QUICK GUIDE

OPEN HOUSES // VIRTUAL TOURS

LIST YOUR OPEN HOUSE OR VIRTUAL TOUR: VISIT OPENHOMES.ATHOMECOLORADO.COM OR CALL 303.473.1456, 303.684.5329 Arvada 8735 Deframe Court $899,000 Sunday 11:00 AM-2:00 PM Debra Flora Kearney Realty Co. (303) 579-3628

Berthoud 3312 Meining Road $935,000 Saturday 1:00 PM-3:00 PM Jim Green WK Real Estate (303) 775-2553 3312 Meining Road $935,000 Sunday 12:00 PM-2:00 PM Jim Green WK Real Estate (303) 775-2553 911 High Mountain Drive $1,899,999 Saturday 11:00 AM-1:00 PM Janet Borchert WK Real Estate (303) 263-3215 911 High Mountain Drive $1,899,999 Sunday 1:00 PM-3:00 PM Janet Borchert WK Real Estate (303) 263-3215

Boulder 2344 Mapleton Ave $1,225,000 Sunday 1:00 PM-3:00 PM Digger Braymiller RE/MAX of Boulder (720) 234-6390 935 11th Street $2,350,000 Saturday 1:00 PM-3:00 PM Marybeth Emerson Slifer Smith & Frampton (720) 394-1997 155 Wildwood Lane $3,750,000 Saturday 1:00 PM-3:00 PM Marybeth Emerson Slifer Smith & Frampton (720) 394-1997

155 Wildwood Lane $3,750,000 Sunday 2:00 PM-4:00 PM Marybeth Emerson Slifer Smith & Frampton (720) 394-1997

Erie 587 Brennan Circle $639,000 Saturday 11:00 AM-1:00 PM Rich Gribbon RE/MAX of Boulder (303) 931-6979 138 Bonanza Drive $749,000 Saturday 11:00 AM-3:00 PM Janet Borchert WK Real Estate (303) 263-3215 110 Nova Ct $800,000 Saturday 2:00 PM-4:00 PM Jim Thomas RE/MAX Alliance (303) 543-0625 110 Nova Ct $800,000 Sunday 12:00 PM-2:00 PM Jim Thomas RE/MAX Alliance (303) 543-0625

Evans 3312 Conestoga Court $465,000 Saturday 12:00 PM-2:00 PM Jenny Oliveira Getting WK Real Estate (970) 534-1188

Lafayette 452 Levi Lane By Markel Homes Starting from $529,900 Friday - Monday 11:00 AM-5:00 PM Marlita Lazo Markel Homes (303) 651-9565

452 Levi Lane By Markel Homes Starting from $529,900 Thursday 11:00 AM-5:00 PM Marlita Lazo Markel Homes (303) 651-9565

Longmont 1321 Hilltop Dr $575,000 Saturday 11:00 AM-1:00 PM Natasha Hubbard RE/MAX Alliance (303) 909-3810 908 Hover Ridge Circle 15 $579,000 Saturday 11:00 AM-1:00 PM Mike Bader RE/MAX of Boulder (720) 273-8335 5801 Grandville Avenue By Markel Homes Starting from $614,900 Friday - Thursday 11:00 AM-5:00 PM Roz Pinon Markel Homes (720) 583-2170 1200 Columbia Drive $725,000 Saturday 12:00 PM-2:00 PM Jim Green WK Real Estate (303) 775-5255 1200 Columbia Drive $725,000 Sunday 1:00 PM-3:00 PM Jim Green WK Real Estate (303) 775-5255 2166 Lombardy Street $900,000 Saturday 10:00 AM-12:00 PM Roz White WK Real Estate (720) 564-6017

Severance 3788 Bridle Ridge Circle $1,225,000 Saturday & Sunday 11:00 AM-3:00 PM Bret Pachello PRIORITY REALTY (393) 847-2036

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0% Interest: The Ultimate Guide to Financing Home Renovations PRNewswire/ -- Financing home renovations is an option that is looking less and less attainable to homeowners. Why? Because inflation is soaring, interest rates are at an all-time high, and supply chain issues are causing headaches everywhere with the backlog of labor and materials. So… are sellers left with only one option: to sell now without updating and hope for the best?

Absolutely not!

Financing options with 0% interest are critical because they allow sellers to make necessary improvements to their property without incurring crippling debt.

Instead of the typical binary options: 1. Sell as-is and let your home sit on market and be driven down in price 2. Hemorrhage money into a costly renovation that you hope will drive the price of your home up

0% interest financing introduces a third option to the table: 3. Update without the financial burden of extra interest costs Which of course makes the home improvement option more accessible and more affordable to homeowners. By taking advantage of 0% interest financing, homeowners can invest in their property, increase its value, and sell faster – all without breaking the bank.

Why you should choose 0% interest on financing home renovations:

Sell your house without losing your shirt

Curbio allows homeowners to update before selling their home with zero payment due until closing.

Financing home renovations can be a daunting task, but 0% interest

financing can make it much more manageable. With 0% interest financing, you can borrow money to

make home improvements without having to pay any interest on the loan. This can save you thousands

MORE THAN AN APP An app runs on code.

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of dollars over the life of the loan, making it a smart and affordable way to invest in your home.

Focus on high-ROI home updates

One of the biggest advantages of 0% interest financing is that it allows you to make necessary home renovations without having to break the bank. So, whether you need to upgrade your kitchen, remodel your bathroom, or make other improvements, 0% interest financing can help you get the work done without having to sacrifice your savings.

Improvements that typically yield high returns: • Kitchen refreshes and remodels • Bathroom remodels • Wall removal/opening floorplan • Finishing a basement • Bathroom or bedroom additions • Roof replacements • Exterior refresh • Deck installation or repair • Flooring update or replacement • Staging

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• Deep clean • Tile reglazing/bathroom refreshes By narrowing your focus to only the updates that will earn you more money, you guarantee that the investment in your home will not be in vain. In fact, the average ROI for Curbio projects is 269%. Meaning for every dollar you spend on your home, you make $2.69.

Control your home’s value

Another benefit of 0% interest financing is that it allows you to invest in your home’s value. By making improvements to your home, you can increase its value and make it more attractive to potential buyers. This can help you sell your home faster and for a higher price, ultimately making you a profit on your home renovation investment.

Choose flexibility

A 0% interest rate offers a much more flexible repayment period. High interest rates on loans incentivize you to pay your principal back quickly, to avoid excessive penalty. However, that

Steve Altermatt UN

T AC TR ON C R DE

isn’t doable for most families or homeowners – and certainly not during a home sale process, which is historically considered one of the most stressful and expensive life events you can endure.

Many home renovation loans have a repayment period of around 10 years, which can be adjusted to suit your needs. This means that you can choose a repayment plan that is affordable for you.

Choose wisely To take advantage of 0% interest financing, it’s important to shop around for the best deal. There are many lenders that offer 0% interest financing for home renovations, and it’s important to compare rates and terms to find the one that’s right for you.

More and more homeowners and agents are turning to Curbio as their pre-listing home improvement partner. With 0% interest (not to mention $0 down) Curbio is the premium, end-to-end solution for sellers wanting to maximize their profit and not leave equity on the table.

| AT HOME

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How do you get started? The first step is to get an estimate. They’re always free and never come with any obligation. Next, you’ll be contacted within one business day by an experienced home improvement consultant who can advise on strategic updates for your home, understand more about the project, and provide additional details about timeline, ROI, etc.

To reiterate, Curbio offers: • 0% interest • $0 down • 0 hidden fees • 0 credit checks • 269% ROI on home updates • 50% faster project completion • $80,000 on average in profit to the homeowner Why not let someone else take over the headache and stress of improving your home for market?

Save your money, your time, and your sanity. Learn more about how Curbio works and get started today.

Boulder’s #1 Broker for 30 years!

Steve sells more homes in Boulder than any other real estate broker or real estate team!

T AC TR ON C R DE UN

R DE UN

CT RA NT O C

4060 Darley Ave

2185 Goddard Place

295 Mohawk Drive

430 S 42nd Street

Architecturally designed 2,405 sqft home in Table Mesa with 4 BD, 3 BA! Modern & open , views from the primary suite & living room, tons of outdoor living, perfect for entertaining!

Well maintained & beautifully updated 2,212 sqft Upper Table Mesa bi-level with 4 BD, 3 BA on over 1/4 acre! Sun-filled rooms, fantastic views & 3 short blocks to Bear Creek Elementary.

Spacious mid-mod tri-level home in Frasier Meadows with 2,430 sqft, 4 BD, 3 BA located on over 1/4 acre! Vaulted ceilings, large rooms, and great outdoor living areas.

Expanded 2,724 sqft Martin Acres ranch with 4 BD, 2 BA, full basement and excellent ADU potential! Large & comfortable living spaces, built-in cabinetry, and hardwood floors.

$1,540,000

$1,485,000

$1,250,000

$1,035,000

LD SO

1493 Brown Circle

2835 Dover Drive

324 76th Street

860 39th Street

Expanded 1,252 sqft, 3 BD, 2 BA home in the Hy View neighborhood, features a great primary suite, quality details & materials throughout, and extensive outdoor living areas.

2,408 sqft, 4 BD, 3 BA, ranch home located in Highland Park on a super quiet street west of Broadway. This home has great bones, double pane windows and hardwood floors.

Fairview Estates ranchette on a short acre with views of the Flatirons & Continental Divide! Well maintained 1,600 sqft, 3 BA, 2BA home & oversized 2 car garage. ER zoning allows animals.

Baseline-Aurora 7 ranch with 1,323 sqft, 4 BD, 2 BA on one of the quietest streets in the neighborhood. 3 doors away from highly rated High Peaks Elementary School, park & trails.

$975,000

$925,000

$850,000

$775,000

Steve Altermatt, CRS 303-441-5669

www.SteveAltermatt.com • steve@stevealtermatt.com

AT HOME |

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REAL ESTATE TRANSACTIONS

BOULDER • • •

AULT

•

Zachary Hooker -- 274 Pony Express Trail, Michael Costanza, $417,000.

Richard and Sarah Byrne -- 201 Jackie Ann St., Pamela A Guttersen, $565,000.

• • • •

• • •

BERTHOUD •

395 Cougar Drive, Kristy Junio Pitchford, $956,000.

Mark Sparks -- 107 Mineola Court, Sarrah Hadiji, $980,000.

Nicholas Ibarluzea -- 34718 Boulder Canyon Drive, Stephen Michael Huntley, $1,005,000.

Mckenzie and Nathan Cerny -5255 Pennsylvania Ave., Anne V Vickery Trust, $1,150,000.

Dexter Ballard -- 7303 Augusta Drive, Darren and Shana Hageman, $1,400,000.

Bremner Morris -- 870 12th St., Douglas S Burdin, $2,475,000.

Maud Hueykenyon -- 615 Theresa Drive, Jeanne Z Rutledge, $2,895,000.

Yvette Lopez -- 3132 5th St., Justin and Nora Astley, $4,050,000.

Kressin, $1,400,000.

The Following Northern Colorado Home Sales were supplied by Colorado Weekly Homebuyers List Inc., 303-744-2020. Listed are the buyer, the property address, the seller and the amount.

•

MARCH 24-25, 2023

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Sloan and Kimberly Black -2672 Prairiestar Drive, Randall and Taylor Wick, $470,000.

Lynn Mortensen -- 564 Ten Gallon Drive, Gregory and Jennife Rademacher, $480,000.

Bradley and Carol Goldsberry -- 1479 Rivergate Way, Melody Homes Inc, $750,000.

Burdette and Joan Dutcher -- 1393 Sara Lynn Lane, Keirns Constr Co, $833,500.

Brett and Sue Sanders -- 2143 Jones Place, Mark and Gloria

• • • • •

Daniel Lovato -- 2510 Taft Drive Apt 312, Kenneth Gillis, $211,900.

Samantha Calderon -- 1480 Lee Hill Road Unit 2, Elaine C Sims, $218,600.

Zoe Zappas -- 5020 Buckingham Road, Lobsang T Lhungay, $410,000.

Aaron and Allison Michael -- 5958 Gunbarrel Ave. Apt A, Brooke Cholvin, $479,900.

Ann Ferguson -- 500 Mohawk Drive Apt 207, Gene R Arnn, $505,000.

Barbara Kantor -- 3785 Birchwood Drive Apt 69, Lucia H Robinson, $660,000.

Steve Choi -- 4146 Sunrise Court, Douglas and Daniel Caven, $775,000.

John Evans -- 45 S 38th St., Mckenzie and Nathan Cerny, $875,000.

Beth Andersen -- 1655 Walnut St. Unit 105, Thaxter LLC, $900,000.

Jessica Keating -- 560 S 43rd St., Murphy Family Trust, $925,000.

Allison and Timothy Kenah --

FEATURED AGENT PATRICK DOLAN RE/MAX of Boulder 303-441-5642 patrickdolanteam@gmail.com Read Patrick’s At Home profile at:

http://athomecolorado.com/patrickdolan

• •

• • • • •

• • • • •

• • •

EATON •

Brian Bunn -- 24653 Railroad St., Christi Bath, $316,000.

ERIE • •

Megan Ihle -- 535 Moffat St., Dave Sutton, $430,000.

Lindsay Kendall -- 3239 State Highway 52, Amelia M Degnan, $554,000.

•

Logan and Amanda Ennis -123 Alva Court, Wagner Family Trust, $570,000.

Biplob Gauli -- 1911 Miranda Road, Lennar Colo LLC, $670,000.

Dipankar Behera -- 1027 Auburn Drive, Carrie Tregenza, $675,000.

Benjamin and Elizabeth Miron -- 1145 Mircos St., Vanessa and Andrew Welshhans, $705,000.

Christopher and Megan Grimley -- 844 Bear Peak Road, Richmond Am Homes Colo Inc, $706,500.

Aaron Snyder -- 1941 Miranda Road, Lennar Colo LLC, $710,000.

Kyle Stevens -- 881 Meadowlark Drive, Bobby and Brittney Odom, $725,900.

Nicole and Carl Harmon -- 705 Sundance Circle, Barry A Baker, $745,000.

Meredith Russell -- 5152 Buffalo Road, Albert and Diana Davis, $825,500.

EVANS • •

Justin Gates -- 3672 Ponderosa Court Unit 5, Colt Holdings LLC, $309,900.

Ellen and Brandon Roff -- 3804

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Spring Buying Season Has Begun!

Loni L. Ferrier

Elliott Apartments are located in a historic residential neighborhood in Longmont, Colorado. Just two blocks from beautiful main street Longmont, Elliott Apartments has easy access to shopping, restaurants, and entertainment.

970-689-1192

Offering 1, 2, and 3 bedroom apartments.

loniferrier@comcast.net www.loniferrier.homesandland.com

418 Emery St. Longmont • (303) 772-6452

Realtor®

MARCH 24-25, 2023

•

Salida Court, Angela S Sanchez, $315,000.

April Steurer -- 3225 Baldwin Ave., Amy L Raines, $400,000.

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•

and Kay Stein, $559,000.

Alan and Terezia Axton -- 6801 34th St. Road, Robert Cash, $800,000.

GREELEY

JOHNSTOWN

•

•

• • • • • • • • • • • • • • • • • •

• • •

Edward and Kimberly Brehon -- 1019 37th Ave. Court Unit 1, 1019 LLC, $254,000.

Nathan Zuege -- 520 21st St., Joshua Rysavy, $270,000.

Thomas and Teresa Bell -6380 W 10th St. Ste 21, Ronald B Heimbuck, $300,000.

Marcee Sutton -- 2323 W 6th St., Monica P Maytorena, $300,000.

Juan Hernandez -- 2456 W 12th St., United Colo LLC, $320,400.

Nila Walters -- 3822 W 11th St. Unit 5, Sharon D Johnson, $335,500.

Jodi Green -- 2011 8th Ave., David R Selzler Living Trust, $356,000.

Andres and Hector Bautista -2534 12th Ave. Court, Carla J Vanbemmel, $375,000.

James and Joleen Stanley -10217 16th St. Road, Journey Homes LLC, $414,000.

Miguel Cid -- 1733 Elder Ave., Alice Lesser, $418,000.

Sidney and Zachary Streeter -- 4302 W 22nd St., Rose M Mcdonald, $419,000.

Vanessa and Joshua Salas -- 4919 W 8th St. Road, Ursel Moldenhauer, $425,000.

Katelyn Sorensen -- 1603 102nd Ave., Journey Homes LLC, $426,300.

Kennedy Spittler -- 10318 17th St., Journey Homes LLC, $438,000.

Ryan and Aaron Rojas -- 10302 17th St., J J Constr Northern Colo LLC, $448,400.

Don Allen -- 3100 50th Ave. Court, 3100 50th King Trust, $460,000.

Ram Dhakal -- 321 N 64th Ave., Melody Homes Inc, $461,300.

Alex Stock -- 2021 74th Ave., Opendoor Property Trust I, $476,000.

Jaron and Melissa Francois -- 5750 W 20th St. Apt 7, Lawrence and Nancy Broemsen, $495,000.

Aliza Pope -- 4237 W 30th St. Road, Matthew and Christy Magley, $500,000.

Erick Spratte -- 6296 W 3rd St., Christopher Erasmus, $508,000.

David and Leann Erickson -2501 52nd Ave. Court, Gerald

• • • • • •

Hector Morin -- 321 Dee Road, Victoria and Lloyd Allen, $430,000.

William and Dawn Robards -813 Crestone St., Lennar Colo LLC, $537,000.

Corey and Kelly Taylor -- 451 Thrush Place, Melody Homes Inc, $539,000.

Justin and Stephanie Casey -175 Muscovey Lane, William D Cooley, $575,000.

Linda and Anthony Frazzini -694 Columbia St., Lennar Colo LLC, $600,000.

Erik Hammer -- 3432 Holden Lane, Richard and Bette Greene, $625,000.

Mckayla and Estevan Olivas -739 Columbia St., Lennar Colo LLC, $645,000.

• • • • • • • • • •

LA SALLE • •

Valentin and Araceli Gutierrez -- 330 Pine St., Michael Myrick, $385,000.

Erik Navarrete -- 24792 County Road 47, Warren and Laura Nuss, $660,000.

LONGMONT • • • • • • • •

Larissa Gensolin -- 1751 Venice Lane, Kun Hee Lee, $480,000.

Tiffany and Jon Todd -- 800 James St., Erika and Michael Garver, $485,100.

Felicia Martinez -- 3939 Da Vinci Drive, W and Louise Hickman, $545,000.

Karen Lester -- 1101 Bross St., J K Heading Home LLC, $565,000.

Robert and Kimberly Westenberg -- 2407 Yukon Drive, Kb Home Colo Inc, $575,000.

Gary and Beth Kelsic -- 2727 Villanova Court, Roxanne A Wedan, $790,000.

Kay Short -- 927 3rd Ave., David A Hornbacher, $1,005,000.

Mark Anthony -- 1049 Neon Forest Circle, Sergei Naumov, $1,040,000.

LOVELAND • • •

Patricia Fust -- 1948 W 17th St., James and Bonnie Urban, $350,000.

Kelly and Layne Layne -- 1840 Wintergreen Place, Louis and Sandra Branch, $365,000.

Jacob Knipp -- 4185 N Park Drive Unit 200, Datlac LLC,

• • • • •

$398,900.

James and Jane Kendrick -4185 N Park Drive Unit 203, Datlac LLC, $412,500.

Jonathan and Greta Butts -- 2533 Carla Drive, Joan E Buchanan, $415,000.

William Phillips -- 1832 Gemini Court, J D Bothun Co LLC, $435,000.

William Mattiselorenzen -- 877 S Edinburgh Drive, Mayra Guzman Ramos, $435,000.

Ida Suppes -- 1366 Carlene Drive, John and Marlys Yutesler, $450,000.

Francisco Foutstupiken -- 2641 Indian Hills Drive, Edward G Bisgaard, $450,000.

Sarah King -- 142 Riley Court, Fredrick J Casey, $498,000.

Michael Reynolds -- 408 Alpine Meadows Court, Christopher and Careen Lewis, $500,000.

Patricia Lynch -- 3206 Da Vinci Drive, Aspen Homes Colo Inc, $524,000.

Colton and Kelsey Clason -- 3124 Da Vinci Drive, Aspen Homes Colo Inc, $524,700.

Michael Clemmer -- 3793 Avery Place, Nicole Stansfield, $555,500.

Daniel and Mary Homiak -5265 Brandywine Drive, Catherine E Caster, $610,000.

T and Rachel Shield -- 6425 Clearwater Drive, Nei Global Relocation Co, $795,000.

Natalie Korell -- 526 Valley View Road, Eric and Kristina Peatrowsky, $800,000.

Steven Martin -- 9057 E Crossroads Blvd., Richard and Patricia Binger, $925,000.

MILLIKEN •

Vivienne Ruocco -- 874 S Lilac St., Estevan and Mckayla Olivas, $445,000.

Isabel and Kenneth Robinson -- 7725 Manila Place, Paul and Paul Schafer, $890,000.

NUNN • •

John and Michelle Brooks -111 2nd St., Robert E Colegate, $520,000.

Barbara Whaley -- 122 2nd St., Big Cat Devl LLC, $575,000.

SEVERANCE • • • •

•

Norma Zazueta -- 16786 County Road 32, Thomas E Peterson, $440,000.

Richard Williams -- 16470 Stoneleigh Road S, Hugh D

Crystal Schoneman -- 1227 Lily Mountain Road, Aspen View Homes LLC, $450,000.

James and Jayme Greenfield -1814 Avery Plaza St., Chad and Trista Billingsley, $596,000.

William and Tammy Jenkins -1202 Argali Drive, Aspen View Homes LLC, $661,600.

Joshua Hamblin -- 1420 Merriams Drive, Timothy and Kalyn Wheelock, $710,000.

TIMNATH • •

•

Michelle Lehmeier -- 5800 Rendezvous Parkway, Fernon Meeks, $585,000.

Darcy and Jason Nelson -- 6305 Maverick Ave., William and Stephanie Graves, $700,000.

Ryan and Beth Johnson -5733 Isabella Ave., John and Marian Mccreery, $710,000.

WINDSOR • • • • • • • • • • •

PLATTEVILLE •

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Nitchals, $660,000.

NIWOT •

| AT HOME

•

Carmen Gardner -- 125 Oak St., Ronald and Stacey Mitchell, $411,000.

Randy Neaton -- 717 10th St., Royce and Tiffany Lahman, $420,000.

Nicole Dobson -- 1808 Rise Drive, Matthew and Marissa Isaacs, $520,000.

Joseph Labuszewski -- 1738 Thrive Drive, Joseph Beck, $525,000.

Bryan and Kristal White -- 2106 Reliance Drive, Mark and Misty White, $550,000.

Brooke Tamlin -- 5594 Bay Hill Drive, Richmond Am Homes Colo Inc, $645,000.

Rita Wise -- 1772 Barefoot Drive, Th Pelican Shores LLC, $679,000.

Alexa and Bryan Baker -- 812 Littleleaf Drive, Windmill Homes Co, $838,900.

Samuel Davis -- 792 Beachside Drive, Th Pelican Shores LLC, $899,100.

Shawn Barrieau -- 32593 Stagecoach Road, Suzanne L Kluck, $949,400.

Satish and Neelima Yeldandi -- 1650 Flourish Drive, Th Raindance Windsor LLC, $1,255,700.

Kevin and Rachael Anstett -- 10346 Coyote Ridge Drive, Peter B Weeks, $1,450,000.

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AT HOME |

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MARCH 24-25, 2023

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