At Home Colorado - Boulder County Edition 03.24.17

REAL ESTATE

Real Estate News, Open Home Listings, Homes for Sale, Rentals and More!

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PEDAL TO PROPERTIES A Full-Service Real Estate Firm with a Boulder Vibe

Quick Guide and Featured Open Homes

Beyond the Basics: Features to Consider When Buying a Home

Looking for a home? View comprehensive listings of local open houses taking place this weekend from all across the area.

Most buyers have an idea of what they’re looking for when buying a home. However, there are several not-so-obvious features that will contribute to how much you enjoying living in a house.

MARCH 24-25 2017

FHA Refinancing Understanding the differences between a FHA mortgage and a conventional loan can help you save money during the refinance process.

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Beyond the basics: Features to consider when buying a home it barely registers. For those who relish sunlight, a southeast kitchen and south facing windows in general, will bring joy throughout the year.

CONTRIBUTING WRITERS Karen Libin Suzanne Plewes Rick Jacquemard

Winter view corridors Typically buyers purchase a home in spring or summer when trees have their foliage. Consider what views will be come winter when the foliage is gone. Will you see your neighbor’s bedroom window or the mountains?

Conversely, if you’re buying in winter, consider what views the summer foliage may block.

William Cook Catherine Eusea L.L. Charles Carol O’Meara Mary Carol Garritys ADVERTISING CONSULTANTS Thais Hafer Toni McNeill Mary Romano ADVERTISING FEATURES COORDINATOR Greg Stone At Home is an Advertising Feature published by the Boulder Daily Camera and Longmont Times-Call. ©2017 Prairie Mountain Media.

SEND US YOUR NEWS. At Home welcomes news from the local community on real estate/home tips, events, hirings, advancements, awards, community involvement and other information of interest to the Boulder County and Northern Colorado areas.

Submitted items should be non-promotional in tone.

Visit AtHomeColorado.com/ Submit-Your-News.

ADVERTISING INFORMATION: To advertise in At Home or to promote your open house contact Thais Hafer at 303.473.1456, Toni McNeil at 303.684.5329 or visit AtHomeColorado.com/Advertise To submit an open house listing, visit AtHomeColorado.com/ SubmitOpenHouse.com.

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Most buyers want the obvious positive features: a good floor plan, nice finishes and a home that’s been well maintained. But there are also several not-soobvious features that will contribute to how much you enjoy living in a house.

If you’re planning on buying a home soon, you probably have a list of “must haves” and an idea of the general features you’re looking for in your perfect KAREN house. Most LIBIN buyers want the KL Realty obvious positive features: a good floor plan, nice finishes and a home that’s been well maintained.

But there are also several notso-obvious features that will contribute to how much you enjoy living in a house. Consider these: Front entry Many older or smaller homes do not have a front entry; you simply walk into a living room.

This may seem okay in the spring, but come winter you’ll discover it means cold air whips through the opened door. Having even a small front entry means there is a buffer from the elements and a place to put your keys, coat and wet boots.

Room sizes and usability Most people understand that a room can be too small, but a room can also be too big to feel comfortable. Rooms with too

many adjacent doors and hallways can also be hard to arrange furniture in.

Ceiling height Houses with generous ceiling heights feel open and larger while low ceilings can make a space feel oppressive. You can change paint, replace cabinets and move walls, but you usually can’t increase ceiling height. Think of this if you’re buying a fixer-upper.

You don’t want to invest time and money in a place that no matter what you do will still feel closed in.

Staircases Wider staircases feel gracious and elegant, and give more options for what furniture can be moved.

Steeper or narrow staircases, often found in quaint homes such as bungalows, come with challenges.

Besides limiting what furniture can be moved, they are a potential accident concern; most folks are used to standard tread sizing and have a hard time adjusting to smaller ones.

Sunlight For some people, sunlight flowing through the windows makes a home feel beautiful and welcoming. At the other end of the spectrum are people with whom

Indoor/outdoor flow It is both nice to see and have direct access to your outdoor living area. An outdoor area adjacent to your house feels like another room and makes your home appear larger. If you have to travel down a staircase to a lower level outdoor area you will be less likely to use it, especially for dining. Who wants to carry dishes up and down a flight of stairs?

Lot grade Sloped lots, though often beautiful, bring certain challenges.

If you have small children and want to add a swing set, where will it go? How will the driveway be with snow? Consider water movement: We’ve learned through the last flood that a little bit of grade can do a lot of damage if water flow is not properly managed.

Front walkway/ driveway location A north side walkway or driveway is fine in the summer.

But come winter with no direct sun, the snow and ice will have a tendency to build up.

No house is perfect, but some are more imperfect than others.

The trick is to find your perfect imperfect home!

Karen is the owner and managing broker of KL Realty, and has more than 29 years of experience in the Boulder County real estate market. Contact Karen at KL Realty, call 303.444.3177, e-mail team@klrealty.net or visit klrealty.net.

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FHA refinancing tips This is not the case with FHA. With FHA mortgages, interest for the entire month is calculated on the first day of the month. So, if you pay off your SUZANNE loan on the 12th, PLEWES interest for that RE/MAX Alliance entire month is still due. Since it takes a few days for payoffs to reach a lender, it’s always best to close around one week before the end of a given month.

For instance, if you refinance on March 23, the payoff will probably be received by your old lender on the 25th and will include interest through the 30th.

That’s only a few extra days of interest paid. Alternatively, if you closed on March 30, the payment wouldn’t arrive until April 2 or 3. Since it’s past the first of the month, interest is due through April 31. That’s a whole extra month of mortgage

FHA mortgages work a bit differently than conventional loans. Understanding the differences can help you save money during the refinance process. If you have an FHA loan, keep these tips in mind.

Saving on Mortgage Insurance premiums FHA mortgages include an up-front and monthly mortgage insurance premium (if your down payment is less than 20%). If you are refinancing within a certain number of years of first obtaining the loan, then you may be eligible for a partial refund of the up-front premium that you originally paid.

Be sure to ask your loan officer about this.

Selecting an optimal closing date Interest calculations on FHA loans are much different than conventional loans. For conventional loans, interest is calculated to the day. So, if you pay off your existing loan on the 12th of the month, then you only pay interest up to that exact date.

ay

303-775-3338

diane@dianestow.com MARCH 24-25 2017

Purchasing a new home Instead of refinancing your FHA mortgage, you may decide that it’s the right time to sell your existing home and buy an entirely new one.

Suzanne Plewes is a broker associate at RE/MAX Alliance.

Write to 750 W. Eisenhower Blvd., Loveland, CO 80537, call 970.290.0373 or e-mail suzanneplewes@remax.net.

FHA mortgages work a bit differently than conventional loans.

Understanding the differences can help you save money during the refinance process.

2158 Hackberry Circle - $279,500

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*Wonderful 3 bedrm, 2 bath home in NW Longmont! *Greatroom w/fireplace, family room & eat-in kitchen. *2 car attached gar. Lg. priv. fenced yard.

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1512 LaSalle Way - $499,900

9788 Meadow Ridge Lane - $3,300,000 *Custom 2 story to be built on 7.89 acre lot in gated lake community!

ABR, CRS, GRI, SRES, CNE Experience Isn’t Expensive...

It’s Priceless

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Rolling in closing costs Most of the time, closing costs for an FHA loan can be rolled into the loan balance. Although this may result in no out-of-pocket expenses for a homeowner, it is still important to consider the costs involved with refinancing.

Such expenses are dipping into the equity in your home, so it is still costing you money. Evaluate your true savings (considering closing costs) in deciding whether it’s worthwhile to refinance.

*FANTASTIC 3868 Sq. Ft. 2 Story w/FABULOUS MTN VIEWS *Backing to Greenbelt! *5 bedrms, 3 baths, Unfin. Bsmt, 2 Great rooms, *A MUST SEE!

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interest that you would be paying, unnecessarily.

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TO SEE ALL OF DIANE’S LISTINGS With Detailed Information, Multiple Photos & Virtual Tours,

www.dianestow.com 512 4TH AVE, STE 101 LONGMONT 80501 (303) 651-3939 Each office independently owned and operated.

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REAL ESTATE NEWS

Longmont Realtor Barb Bashor kicks off Colorado Women’s Education Foundation fundraiser

Boulder County Gold Award

16 years in a row!

3883 Oakwood Drive

Longmont 1505 Goshawk Drive

Open Sat 1-3pm $390,000 4 Bed, 2 Car in crazy popular Meadowview! www.3883.wkre.com Jeanie Parsons: 303-775-9612

4004 Milano Lane Open Sat & Sun 12-3pm Italian Villa In the city 5br 5bath. www.4004.wkre.com Jerry Curry: 303-588-1935

500 Olympia Avenue

Longmont

Open Sat 1-3pm $449,900 Functional Elegance! Move in ready! www.1505.wkre.com Dennis & Jann Culver: 303-618-3366

Longmont 1124 Summit View Drive

Louisville

$865,000 Open Sun 1-4pm $700,000 Walking distance to Historic Old Town Louisville! www.1124.wkre.com Dennis & Jann Culver: 303-618-3366

Longmont 0 County Road 5

New Listing! $425,000 Immaculate Home, close to parks and trails. www.500.wkre.com Leslie Koprowski: 303-579-7765

Frederick

New Land! $742,400 Fabulous 40 acre building site SE of Longmont. www.countyroad5.wkre.com Andria Allen: 303-810-8375

LONGMONT – Barb Bashor, a Realtor with WK Real Estate, delivered the opening remarks at the Colorado Women’s Education Foundation (CWEF) scholarship fundraising event, “A Turning Point: Educating Colorado Women,” held at the Xilinx Retreat Center in Longmont on Saturday, March 18.

Bashor, who has assisted clients with real estate sales and purchases throughout Boulder County for nearly 25 years, is also passionate about supporting philanthropic community efforts, such as the CWEF. For over 40 years, CWEF has fulfilled its mission to “invest in women who are transforming their lives through education … for themselves, their families, and their communities” by providing scholarships to more than 500 Colorado residents.

“I feel incredibly honored to open this event,” Bashor shares.

“I’m a strong proponent of educating and empowering women, so this cause is very near and dear to my heart.” Bashor welcomed attendees to Saturday’s fundraising event, sharing her personal story,

Barb Bashor, WK Real Estate

explaining how donations will elevate women’s lives through the gift of education, and introducing the evening’s keynote speaker, award-winning poet and nonfiction author Carol Grever.

CWEF is accepting scholarship applications through May 31 and full details can be found at cwef.org.

Barb Bashor is a Realtor with WK Real Estate with nearly 25 years experience as an agent in the Longmont area. To reach Barb, call 303.775.2994 or e-mail barb@barbbashor.com

AROUND THE REGION

Timbers at the Pinery: New phase complete 333 Sky Trail Road

Boulder 10151 Zenobia Cir.

New Listing! $1,300,000 30 acres above Bouler, breathtaking views! www.333.wkre.com The Oliveira Getting Team: 720-564-6041

10468 Sunlight Drive

Lafayette 2830 Shoshone Trail

Land $349,000 Exceptional View lot overlooks Open Space. www.10468.wkre.com Charlie Matzen: 303-541-1903

Westminster

New Listing! $424,900 Fabulous home & Great price in Hyland Greens! www.10151.wkre.com Keith McQuillen: 303-589-1432

Lafayette

6 Bed, 5 Bath $1,000,000 Sharp & elegant, Indian Peaks on golf course. www.2830.wkre.com Eric Wright: 720-564-6052

SEARCH THE ENTIRE INVENTORY OF LISTINGS IN OUR MARKETPLACE Check out our free WKRE Mobile App availabe in the Apple App store and The Google Play store.

BOULDER OFFICE: 303.443.2240 LONGMONT OFFICE: 303.776.3344

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PARKER– Broker Trent Getsch recently announced that custom lots and new custom homes at Timbers at the Pinery are complete and ready for viewing. “We have a brand-new phase of lots now available for sale, along with a selection of stunning custom homes ready for delivery,” said Getsch, of RE/MAX Alliance and Timbers at the Pinery sales center.

Timbers at the Pinery, an upscale and secluded, yet convenient, subdivision near Parker features three-quarter to one and a half acre lots. Its beautifully wooded custom homesites are built by eleven of Colorado’s custom builders.

Timbers at the Pinery is renowned for its natural beauty and quintessential Colorado landscape, which includes massive stands of mature pines, majestic

Timbers at the Pinery. (Photo: Trent Getsch)

mountain views, rolling terrain and dedicated open space. “It is the perfect, private setting for the uniquely designed, one-of-a-kind custom homes within its borders,” concluded Getsch. “Homeowners of the Timbers can also take advantage of the nearby Pinery Country Club, The Golf Club at Pradera and the Colorado Golf Club.”

For more information about Timbers at the Pinery, call Trent Getsch at 720.771.8953 or visit timbersatthepinery.com.

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SPRING INTO ACTION !

THIN, DONATE, CLEAN, PAINT CALL DAVE TO SELL VISIT A TOUR BELOW, ONLINE

DAVE WAGNER ABR, GRI, e-PRO 720-244-0980 Dave@WagnerColorado.com JUST LISTED OPEN SAT. 10AM-1PM JUST LISTED OPEN SAT. 2PM-5PM

315 BRISTOL PL SPRING VALLEY- NE LONGMONT - $498,000

2134 N. SHORE DR. THE SHORES-NW LONGMONT - $545,000

Built in 2000. Updates everywhere. Hand Carved Maple flooring, Custom 12 ft cabinet in kitchen with buffet counter. 4 Bedroom including the Lg Master Retreat, which could Also be a study or nursery. Remodeled bathrooms, Tile floors, Corian counters, Double ovens, near 1 / 4 acre lot. Close to multiple playgrounds, Parks, Golf Course, Groceries, Schools. Great value 3443/5244 fin and total Sq ft. Shows impeccably beautiful. Visit Tour link (on desktop best) http://tours.virtuance.com/720309

THE SHORES, where every time you come home, it’s like living at a RESORT! This beautiful 5 bedrm (4up), 4 ba was custom built by Dan Pedry including Wrap around porch, views of lake and mountains, and just yards from the kayak launch. 3.5 mile path around lake, swimming pool,& tennis courts. HOA only $55 a month. Immaculate home newer roof, appliances, water heater, awesome garden area. LOCATION, CONDITION, AMENITIES!!

3700 fin/4000 Sqft. http://tours.virtuance.com/723797

JUST SOLD

JUST SOLD

1127 WYNDEMERE CIRCLE - $595,000

1309 S FRANCIS ST - $335,000 $345,000

Backs to 18th Fairway, 4700 fin Ft, 6 bed plus study, 5 ba, 3 car, Pool, Hot Tub. SEE IT HERE:

4 bed, 3 ba, 2 car, Oak hardwood floors, over 1900 sq ft.

Lg Yard, RV parking. SEE IT HERE:

http://tours.virtuance.com/692064

http://tours.virtuance.com/696470

COMING SOON…FIRESTONE 4 Bedroom 3 Bath OVER 1.25 ACRES • Deck backing to Mountain Views • 3 car garage and Garden Level basement • Over 3100 finish feet, 4400 total Feet • Hardwood floors, Fireplace, Built 1999 • Master Backs to Mtns. In the $500’s

I SUPPORT OUR LOCAL PERFORMING ARTISTS. THANK YOU FOR YOUR TIME AND TALENT!

longmontsymphony.org (50th Year!)

“Pastoral Panorama” Beethoven, Dvorak, & “A Longmont Overture” Saturday April 8th 7:30 PM Vance Brand Auditorium

longmontchorale.org (80th Year!)

“Angels of Music, - From Requiem to Phantom” Rutter to Webber Sunday, May 7, 2017 3 PM at LifeBridge Church Auditorium

Please VISIT them for Tickets & Performances.

Dave Wagner Past President Longmont Association of REALTORS®

IF you have seen a DAVE WAGNER card in your mailbox lately, it might be for a property specific valuation estimate. Call me if you want to fine tune your value in preparation to sell. Timing & prepping can make a difference as can location & condition. CONDUCTING Real Estate for 16 YRS. Visit the sample TOURS above to see what I can do for you. Laptop is best for those.

MARCH 24-25 2017

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REAL ESTATE NEWS

RE/MAX of Boulder Realtors recognized for career achievement BOULDER - RE/MAX of Boulder is pleased to announce that 14 of the company’s Realtors were recognized with career achievement awards, acknowledging outstanding professional accomplishments.

Awards, including Lifetime Achievement Award and Hall of Fame, were presented at the recent annual international RE/ MAX convention held in Las Vegas, NV. Lifetime Achievement was awarded to Brian Sundberg, Dave Fish and Susan Weeks.

Hall of Fame recipients are Terry Larsen, Digger Braymiller, Mary Ellen Wood, Andy Rice, Shawn Johnson, Kimberly Fels, Linda Nehls, Carroll McCorkle, Mary Huffman, Kelly Atteridg and Carolyn Bleicher.

In addition, RE/MAX of Boulder was awarded top honors as the No. 1 single RE/MAX office (located at 2425 Canyon Blvd.) in the U.S. for 2016 sales volume, marking the eighth time the company has earned the No. 1 ranking.

Collectively, these awards recognize RE/MAX of Boulder Realtors as among the best in the nation.

“We are honored to have our Realtors and our organization recognized for achievement. This group of outstanding Realtors has extensive experience and deep knowledge of Boulder Valley

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RE/MAX of Boulder award recipients. (Photo courtesy: RE/MAX of Boulder)

Front Range including Boulder, Broomfield, Westminster, Erie, Frederick, Firestone, Golden, Lafayette, Longmont, Louisville, Nederland and Lyons.

Broker/Owner Jay Kalinski says, “Our core value is making our community a stronger, better place. In Boulder Valley’s competitive real estate market, there is no better source for buyers and sellers than the experienced, connected, expert Realtors of RE/MAX of Boulder.”

Community involvement runs through the culture at RE/MAX of Boulder, evidenced by the commitment to service and leadership the company’s Realtors show. To support charitable

causes across Boulder County, RE/MAX of Boulder Realtors volunteer time, donate funding and serve on nonprofit boards of directors. And, they support local businesses that are integral to the economic wellbeing and vitality of the Boulder area.

RE/MAX of Boulder is celebrating its 40th year. With more than 100 Realtors who average 14 years of experience, RE/MAX of Boulder is made up of local community experts who live, work, play and raise their kids in Boulder Valley.

For more information contact RE/MAX of Boulder at 303.449.7000 or visit boulderco.com.

Prepare your home for an inspection

Selling a home can be a long and stressful process. When you arrive at the point of having your home inspected you are nearing the end. The RICK following JACQUEMARD are some tips Flatirons Home Inspections to help the inspection go more smoothly.

1: Be sure that all windows operate correctly. Replace all damaged screens and make sure all functioning windows have screens.

2: Tighten all door knobs and 6

real estate. They are caring and dedicated to serving the unique needs of each client with the utmost professionalism and excellence,” says Owner and Founder of RE/MAX of Boulder Tom Kalinski.

Last year proved especially challenging for those seeking to buy a home in Boulder County.

The year was punctuated by “fierce buying competition,” particularly in the first half, according to the 2017 Boulder Valley Real Estate Report published by RE/MAX of Boulder.

Boulder-area markets in 2017 will face continuing challenges of high demand from buyers in the face of low inventory of available homes for sale, according to experts at RE/MAX of Boulder.

“In such a competitive market, going the extra mile to help clients navigate challenges is critical. In addition to their expert knowledge, seasoned backgrounds, and superb client service, RE/MAX of Boulder Realtors are technologically savvy and have cutting edge tools, platforms, and apps at their fingertips, and they are very well connected in the community,” says Managing Broker DB Wilson.

RE/MAX of Boulder Realtors are longtime residents with a combined average of 14 years of experience. Expertise in the Boulder-area is acquired through living in towns across the

Make sure all interior and exterior light fixtures work.

tighten or repair all handrails.

Also check to be sure that all interior doors will latch to the strike plate.

3: Make sure all interior and exterior light fixtures work. If an outdoor fixture bulb is out, the inspector has to note that the fixture does not operate correctly.

4: Provide access to the furnace, water heater and electrical panel.

Also, the inspector must be able to remove the electrical panel cover.

If the panel is locked, remove it.

5: Clear the way to the attic access panel or pull down, especially in a closet. The inspector will enter every attic.

If you use your attic for storage, remove any items that will inhibit the inspector.

6: Install a new furnace filter and vacuum the register. It will be looked at during the inspection and be considered as a part of the overall condition of the furnace.

7: Provide keys or unlock sheds and outbuildings.

8: Remove or restrain pets on site.

9: Verify all utilities will be on at the time of inspection, and that gas pilots (including fireplaces) are lit.

10: Your Realtor may have suggestions that are specific to your home.

For more information on home inspections contact Rick Jacquemard, at 720.280.3544, e-mail rick@flatironshi.com or visit flatironshi.com.

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Longmont Association of REALTORS

INDEPENDENT BROKERS

UNDER CONTRACT IN TWO DAYS! OPEN HOUSE SATURDAY • 1PM-3PM

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NEW LISTING 142 5th St, Mead HUGE Corner lot in the heart of downtown Mead!!

Tons of investment potential! Per the town of Mead’s City planner one would be able to build up to 3 units on this lot!! Come and see all this property has to offer for yourself, It WILL NOT last long!!

Roof is only 3 years old and a new water heater.

Loads of Charm! Open and spacious! Remodel or Rebuild.. so many Possibilities. Excellent opportunity to be apart of this quaint small towns growth. $279,900

Have a house to sell, we would love to help you, give us a call today!

748 Bunyan Ct, Berthoud Wonderful 3 bedroom 1 bath ranch style home at the end of a cul-d-sac. Backing up to open space you can enjoy the relaxing rear patio setting with beautiful views of the front range and a near by small pond with walking trail. This type of location does not come along often. Nice cozy living room. All appliances are included with a new AC unit. This is a excellent price point for Berthoud with NO HOA!!! Big storage shed in backyard. $259,900

1437 S County Rd 21 Berthoud Great 5 acre horse property • 4BR/3BA + office • Heated 6 stall barn • Roping arena & round pen • Large hay barn • Several out buildings & loafing sheds • Detached garage/workshop • Conveniently located between Longmont and Berthoud Too many extras to list!

Call with questions or to schedule a showing

655 South Sunset, Suite F, Longmont, CO 80501

303-702-0605 www.regelassociates.com

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Todd

“Exceeding Your Expectations”

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Leaders in Change...Delivering Results!

MARCH 24-25 2017

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PATRICK DOLAN’S OFFICE 303-441-5642

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www.patrick-dolan.com

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W G NE TIN S LI

849 Trail Ridge Drive 3 Bedrooms, 3 Baths, 3512 Sq. Ft. $805,700

5383 Muirfield Court 4 Bedrooms, 4 Baths, 3326 Sq. Ft. $859,000

Beautiful 2-story home within walking distance to Davidson Mesa and Harper Lake!

Updated Bathrooms and Kitchen with new roof,A/C, furnace, and more!

Beautifully remodeled country club estates home with a great open floor plan and private master suite.To many updates and gorgeous features to list!

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1822 Timber Lane 4 Bedrooms, 3 Baths, 3068 Sq. Ft. $775,000

2526 Lake Meadow Drive 4 Bedrooms, 4 Baths, 3626 Sq. Ft. $649,900

Enjoy Colorado mountain living with the luxury of being just minutes from Downtown Boulder.Nestled on 1.8Acres in the coveted Pine Brook Hills community.

Beautiful 2 Story in the quiet Heron Lake Meadows neighborhood with great walk out basement,All three bedrooms are on the upper floor with walk in closets.

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1027 10th Street 5 Bedrooms, 2 Baths, 3345 Sq. Ft. $1,195,000

6397 Glenmoor Road 4 Bedrooms, 3 Baths, 3505 Sq. Ft. $1,175,000

Quiet location on University Hill.This artsy turn-of-the-century home has a classic wrap-around porch, tall ceilings and unique detailing. 5 bedrooms and 2 baths, close to CU, with a large fenced in back yard.

Located in the Lakeshore Subdivision just north of baseline lake this elegant Multilevel craftsman home is nestled on .81 acres.The open floor plan is sun filled with a main floor master.Truly a must see!

PATRICK DOLAN’S OFFICE 303-441-5642 • www.patrick-dolan.com

CALL US TODAY!

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HOME MORTGAGE

Why millennials are choosing FHA Loans in 2017

By William Cook Omni Fund, Inc. In Denver, Boulder and throughout most major U.S. cities, a growing number of millennials are buying a home with an FHA (Federal Housing Administration) insured mortgage. The findings are based on the latest report from Ellie Mae, a mortgage industry software firm that tracks U.S. mortgage applications.

FHA Home loans represented 35% of all closed loans in January 2017. Specifically, FHA loans continue to be the top choice of millennial homebuyers even with the cancellation of reduced FHA fees in January.

Reasons why do millennials prefer FHA loans Low down payment: Qualified home buyers in Colorado who apply for an FHA loan can make a down payment as low as 3.5% of the purchase contract or appraised value, whichever is less.

Conventional loans by Fannie Mae and Freddie Mac also have low down payment programs.

However, the eligibility restrictions include income limits in Boulder county, or military service eligibility for VA loans, and the geographic restrictions with USDA loans.

Debt to Income Ratios: The second advantage of FHA loans is the debt-to-income ratio, or DTI, which is frequently an area that disqualifies young, debtstrapped borrowers. Your DTI is your monthly gross divided by

your recurring monthly debt on your credit report and housing.

For example, if you earn $7,500 per month and your credit cards, student loan and auto loan monthly total are $2,000 and your rent is $1,500. $3,000 / $7,500 = 47. Student loan debt is still calculated by underwriting even if in deferment.

Conventional loans require a 45 percent or less DTI, but FHA may permit above 50 or even as much as 56 percent, if the borrower has strong compensating factors like six or more months of the mortgage payment in their bank account, a high credit score, or recently started earning a much higher income.

Flexible credit standards: FHA loans are a bit more credit lenient in contrast to Conventional mortgages. Ellie Mae’s report proves this fact which shows the average FICO score for a conventional loan was 748, while the average for an FHA loan was 690 and 734 for a VA loan.

Many traditional banks require a 620 middle score while some mortgage companies allow borrowers who have a 580 middle credit score to obtain an approval for a 3.5% down payment.

Assumable: Young adults are more likely to change jobs and move for an opportunity than older adults. As a result, these younger buyers will put more emphasis on the future resale value. If you decide to sell your home and you have an FHA loan, which is assumable, this means

FHA loans continue to be the top choice of millennial homebuyers.

(Photo courtesy: William Cook, Omni Fund, Inc.)

the new buyer can take over the homeowner’s mortgage payments.

The new homebuyer will need to qualify but in a rising interest rate environment, this can be a very attractive selling point.

Ownership: Young collegeeducated homebuyers with well-paying jobs tend to have lots of student debt, a car loan and with rents rising without an end in sight, the faster they get into a home, the quicker they start to build equity and stop throwing away money. With a home, you have a potential tax write-off with mortgage interest deduction and potential appreciation. In addition, you can rent out a room for additional income without landlord restrictions.

The one negative about FHA loans is their permanent mortgage insurance requirement but that can be dealt with easily by selling the home or refinancing into a conventional loan later if it will benefit you.

FHA loans are just one of many mortgage options available to Colorado home buyers.

William Cook is a Senior Loan Officer at Omni Fund, Inc. He is well versed in Conventional, FHA, jumbo mortgages and loans for self-employed borrowers.

For more information, visit coloradoloanpro.com or e-mail will @coloradoloanpro.com.

NMLS# 1048392

Colorado Mortgage Credit now at 20% dollar-for-dollar for first time and veteran buyers A new mortgage loan program, the Mortgage Credit Certificate (MCC), has expanded purchasing power designed specifically for first-time CATHERINE homebuyers and EUSEA U.S. veterans.

First California Beginning in Mortgage, early March, Northern Colorado the Colorado Housing and Finance Authority (CHFA) renewed the MCC tax MARCH 24-25 2017

credit for qualified buyers for 20% of the interest paid on the mortgage, as dollar for dollar credit on the buyer’s tax return.

This program is limited to Colorado qualified veterans and first-time home buyers who have not owned in three years – and the funding is limited so applying quickly is the best strategy to receive this credit.

Participants can still take advantage of the traditional mortgage deduction – deducting the interest paid on the home mortgage – and in this case involves deducting 80% of the

interest payments to lower the adjusted gross income and then also receiving a dollar for dollar credit on the other 20%.

A select number of mortgage loan lenders in the state of Colorado are able to offer this mortgage loan option for veterans and first-time home buyers. To see how it works, take, for example, a loan amount of $225,000 with estimated interest payments in one full year of $10,000. With this new credit, the home buyer would be eligible for a tax credit of 20% of the $10,000, providing $2,000 in a dollar for dollar credit on

income taxes. Dividing that benefit across the entire year, that’s the equivalent of $166.67 per month savings, every year! Sample 1040 Tax Forms are available to see how this tax credit applies to a given scenario.

Catherine Eusea, NMLS 237244, area manager for First California Mortgage in Northern Colorado, has over 15 years of experience in home mortgage lending. She can be reached by e-mail at ceusea@firstcal.net or by calling 970.372.4957.

Visit firstcal.net/eusea.com ATHOMECOLORADO.COM

9

COVERPROFILE

ENJOY THE RIDE

I

t’s no secret that Boulder is a “biking” town. A fair share of the population relies on pedal power to go to work, run errands or enjoy an epic ride. Bikes are also an excellent way to slow down and connect with the rhythms of a neighborhood....

PEDAL TO PROPERTIES A Full-Service Real Estate Firm with a Boulder Vibe

By L.L. Charles, At Home. Photography by Timothy Seibert. ...“that was the inspiration behind the Pedal To Properties brand when the agency was founded in 2006,” says Owner Tim Shea. “Of course, you don’t actually have to ride bikes around town to see our home listings,” he laughs. “We use cars, too.”

Actually, the bike is a fitting metaphor for the company’s culture and values. “It represents the healthy lifestyle that we aspire to,” Shea explains. “As a group, our eighteen agents are pretty active. We work hard, and we believe it’s important to also set

Pedal To Properties’ 18 agents work together to take care of clients. This means, if you work with Pedal to Properties, the whole office has your back.

10

AT HOME COLORADO

aside time for non-work passions.

In some offices, real estate can get rather competitive, even among people in the same office. But our culture at Pedal To Properties means that we take care of each other’s clients as well as our own.

This means, if you work with Pedal To Properties, the whole office has your back. That goes for both our clients and our agents.”

A commitment to “green” practices takes many forms.

Agents are encouraged to earn eco-focused real estate credentials such as EcoBroker and the National Association of Realtors Green designation. The company offers cruiser bikes to local hotels for guests to use so they can get to know Boulder by bike. They also build relationships with local “green-focused” vendors, such as solar panel installers to architects,

to support consumers. Community involvement includes being a proud title sponsor of Boulder’s Bike to Work Day. Pedal To Properties aims to be an employer of choice by offering its staff a creative and innovative place to work, with both corporate and individual opportunities to excel.

Management listens and seeks to help all employees reach their personal and professional goals.

The innovative company has received national attention from the likes of the Wall Street Journal, Entrepreneur Magazine and ABC News. While being a full-service agency complete with all the traditional real estate services a buyer or seller expects, the idea of using a bike as the vehicle of choice wasn’t as whimsical as it may seem.

The bike is a fitting metaphor for the company’s culture and values. “It represents the healthy lifestyle that we aspire to.”

DAILY CAMERA / TIMES-CALL

Pedal to Properties is an innovative company has received national attention from the likes of the Wall Street Journal, Entrepreneur Magazine and ABC News.

Urban buyers have shown strong interest in shorter commutes between their homes and city amenities. The trend towards a sharing economy is also making inroads into car ownership, with many trading their auto keys for an Uber app.

Pedal To Properties has recently partnered with real estate juggernaut Zillow to expand their reach to buyers and sellers.

“A lot of Realtors see Zillow as a disruptive force in real estate, and they aren’t sure what to do about that,” says Tim Shea. “But as a forward-looking company, we have decided to just embrace them. They are becoming a major player in our market and I want to leverage what Zillow brings to create an advantage for our agents. This is in

line with other decisions we have made to be on the cutting edge of how real estate is done today.”

With this increased exposure, Shea says he hopes to promote the Pedal To Properties brand to even more buyers and sellers. He is also seeing a lot of interest in opening more Pedal To Properties offices in other communities similar to Boulder. “We see a lot of opportunity for company growth in this area,” he says.

If you are interested in buying or selling a home in Boulder County and are looking for a company with great corporate “ecology” and knowledgeable local agents, call Pedal to Properties at 303.444.4643, visit 2014 Pearl Street in Boulder or online at pedaltoproperties.com.

What they say...

We had an instant connection our Pedal To Properties Realtor. We went out to his Toyota SUV and noticed he had very nice bikes on a nice rack, everything spic and span, much attention to details. We pulled up to a house, and he asked if we’d like to ride the bikes around the neighborhood. Riding on the bikes makes it an easier, friendlier process. The different feeling you get about a neighborhood by being in it, seeing it – you get a more intimate perspective of your surroundings.” – Bill Cluzel, buyer, Boulder We recently bought a home for our daughter in Longmont. Our agent made this a very easy process, from the showings to the closing. He made sure to meet all of our needs, mine, my husband’s and my daughter.” – Yazmen, Buyer, Longmont

Our Realtor was incredible to deal with in the sale of our home and purchase of a new one. He was very patient, friendly and professional through the entire process even as we bombarded him with endless questions and showings. He made us feel at ease during a typically stressful time. We would highly recommend P2P to anyone buying or selling a home. You will be in great hands and we know you will feel more relaxed about this life changing process.” – Bob, buyer and seller, Boulder

1617 S. County Road 27 E Berthoud - $528,500 Amazing acreage/home on 6+/- acres in beautiful Berthoud foothills! 2,912 SF ranch, 3 bdrms/2 full baths. Open floor plan w/large living rm, kit & dining. Full unfinished walk-out bsmnt w/wood stove, 840 SF 2 car gar + 24x30 barn, fenced pastures. Amazing quiet & serene Home Warranty Included! MLS#812844/7590093 Abby Renner 970-556-0635 ARenner@NexusforSale.com

11072 Yellowstone #310 ~ Longmont

Stylish New Energy Efficient Homes Starting in

Barb Ponesse 303-419-3551 MARCH 24-25 2017

An AFFORDABLE home in a beautiful setting at the Longview manufactured home subdivision on the east side of Longmont. 1512 sq ft with 3 bdrms and 2 full baths featuring vaulted ceilings, large deck, and storage. Amenities include swimming pool and play grounds. Land lease of approximately $650/ month.

Sales Center Open Daily 11:00am to 5:00pm 303.848.4185

$89,500

323 S. Parkside Dr Longmont, CO 80501

the upper $200s

Cauley Kim Sales Manager

office@parksidelongmont.com www.CoastToCoastDevelopment.com

www.niwotrealty.com ATHOMECOLORADO.COM

11

OpenHomes Quick Guide

City Boulder Boulder Boulder Boulder Boulder Boulder Boulder Boulder Boulder Boulder Boulder Boulder Boulder Boulder Boulder Boulder Boulder Boulder

Open Open House House Street Date Time Sunday Sunday Saturday Sunday Friday Saturday Saturday Saturday Sunday Sunday Sunday Saturday Sunday Sunday Saturday Sunday Sunday Saturday

12pm-2pm 1pm-4pm 10am-12pm 12pm-3pm 12pm-3pm 11am-2pm 12:30pm-2:30pm 11am-2pm 1pm-3pm 1pm-4pm 12pm-3pm 1pm-3pm 1pm-3pm 1pm-3pm 12pm-2pm 12pm-2pm 1pm-3pm 12pm-2pm

1525 48th Street 4150 Longview Ln 4120 Riverside 4730 Kincross Court 470 Eire Drive 470 Erie Drive 2702 Winding Trail Dr 3725 Silver Plume Lane 4603 Sunnyside Place 4522 13th St., Unit 6H 3224 Palo Parkway 4261 Black Cherry Ct 3981 Promontory Ct. 1003 9th St 980 White Hawk Ranch Drive 980 White Hawk Ranch Drive 2890 Stanford Ave 3747 Mountain Laurel Pl

$525,000 $649,999 $760,000 $799,000 $800,000 $800,000 $815,000 $850,000 $899,000 $925,000 $1,049,000 $1,295,000 $1,749,000 $1,850,000 $2,100,000 $2,100,000 $2,290,000 $2,500,000 $1M +

Boulder

Daily

11am-5pm

3092 Big Horn St

Broomfield Broomfield Centennial Dacono Erie Erie Lafayette Lafayette Lafayette Lafayette Lafayette Longmont Longmont Longmont Longmont Longmont Longmont Longmont Longmont Longmont Longmont Longmont Longmont Longmont Longmont Longmont Longmont Longmont Longmont

Saturday Sunday Sunday Saturday Saturday Sunday Saturday Sunday Saturday & Sunday Saturday Sunday Saturday Sunday Saturday Sunday Saturday Saturday & Sunday Saturday Sunday Saturday Saturday Saturday Saturday Sunday Saturday Saturday Sunday Sunday Daily

11am-1pm 1pm-3pm 1pm-3pm 1pm-3pm 1pm-3pm 1pm-4pm 11am-2pm 11am-2pm 11am-2pm 11am-2pm 11am-2pm 11am-1pm 1:30pm-4pm 11am-1pm 11am-1pm 1pm-3pm 11am-3pm 12pm-3pm 11am-1pm 1pm-3pm 12:30pm-2:30pm 10am-12pm 10am-1pm 1pm-3pm 2pm-5pm 12pm-3pm 12pm-3pm 11am-3pm 11am-5pm

16424 Alcott Place 15950 Vermillion Way 3558 E Davies Ave 3804 Golden Eagle Dr 2208 Primrose Lane 1940 Spruce Dr 2561 Lexington St 2561 Lexington St 543 Sawtooth Pt 789 Niwot Ridge Ln 789 Niwot Ridge Ln 3837 Staghorn Dr 3837 Staghorn Dr 219 Pratt St 219 Pratt St 3883 Oakwood Drive 1379 Charles Dr. E-4 1282 Armstrong Dr 1282 Armstrong Dr 1505 Goshawk Drive 711 Hays Cir 1114 Neon Forest Cir 2 315 Bristol Pl 1638 Mountain Dr 2134 N Shore Dr 4004 Milano Lane 4004 Milano Lane 327 Pratt St 918 Half Measures Dr

Longmont

Thursday & Friday

12pm-4pm

Longmont

Saturday & Sunday

12pm-5pm

Louisville Louisville Louisville Louisville Louisville Louisville Nederland Niwot Superior Westminister

Saturday Sunday Sunday Sunday Saturday Wednesday-Monday Saturday Saturday Sunday Saturday

12pm-2pm 12pm-2pm 1pm-3pm 1pm-4pm 2pm-5pm 11am-5pm 1pm-4pm 2pm-4pm 12pm-3pm 1pm-3pm

Price

$440,000 $634,000 $475,000 $775,000 $560,000 $664,000 $647,000 $647,000 $865,000 $1,390,000 $1,390,000 $360,000 $360,000 $385,000 $385,000 $390,000 $426,208 $435,000 $435,000 $449,900 $462,500 $495,000 $498,000 $545,000 $545,000 $865,000 $865,000 $945,000 $600k+ Starting in the high1522 Moonlight Drive $300,000's.

Starting in the high1522 Moonlight Drive $300,000's.

1167 Summit View Drive $654,500 1167 Summit View Drive $654,500 2107 Hecla Drive $699,900 1124 Summit View Drive $700,000 476 E Raintree Ct $824,900 1805 Blue Star Lane - Model Home $600k's+ 156 Rocky Knob Ln $775,000 9253 Blue Spruce Ln $2,400,000 608 Charles Street $1,095,000 13008 Harmony Pkwy $465,000

Visit AtHomeColorado.com for a complete listing and map of open homes in the area.

Agent Gary Savarese Amanda Lovato Michael McCrea Nick Duncan David Scott David Scott Cheryl Shatz Stephanie Lyon Matt Ladwig Michael Rebich Rusty McCoy/Eric Jacobson Debra E Hensen David Scott Kim Payes Jeremiah Daly Jeremiah Daly Kim Hullett Kim Hullett

Company

Lydia Moy Carl Oldham Sean Chance Tracy Wilson Michelle Clifford Jenni Lovins Brooke Weathers Brooke Weathers Ro Troia Brian MacDonald Brian MacDonald Heather Brandt Heather Brandt Heather Brandt Heather Brandt Jeanie Parsons Jeremy Johnson Heather Brandt Heather Brandt Dennis & Jann Culver Kathy Crowder Suzy Williamson Dave Wagner Roger Walker Dave Wagner Jerry Curry Jerry Curry Heather Brandt Marlita Lazo

WK Real Estate The Delaney Realty Group Coldwell Banker LIV Sotheby's International Realty Colorado Landmark, Realtors Colorado Landmark, Realtors RE/MAX Alliance Trilogy Real Estate, Inc. WK Real Estate RE/MAX of Boulder RE/MAX of Boulder, Inc. Debra E Hensen Real Estate Colorado Landmark, Realtors RE/MAX Alliance WK Real Estate WK Real Estate RE/MAX Alliance on Walnut RE/MAX Alliance on Walnut Markel Homes: Kalmia38, Northfield Village & Northfield Commons WK Real Estate RE/MAX Alliance RE/MAX Alliance RE/MAX Alliance Colorado Landmark, Realtors Lovins Real Estate Coldwell Banker Residential Coldwell Banker Residential Coldwell Banker Residential Real Estate Coldwell Banker Residential Coldwell Banker Residential RE/MAX Alliance RE/MAX Alliance RE/MAX Alliance RE/MAX Alliance WK Real Estate RE/MAX Alliance RE/MAX Alliance RE/MAX Alliance WK Real Estate RE/MAX Alliance RE/MAX Alliance ERA Tradewind Real Estate RE/MAX Alliance on Walnut ERA Tradewind Real Estate WK Real Estate WK Real Estate RE/MAX Alliance Markel Homes: Prospect NewTown

Tim Shea/Stan Meade

Pedal To Properties

Roz Giannasi Pinon

Tim Shea/Stan Meade

Pedal To Properties

Judy Pitt Judy Pitt Michele Steward Dennis & Jann Culver Andre Mazur Michele Steward Jackie Jones Deborah Read Fowler Julia Cantarovici Yvonne Williams

WK Real Estate WK Real Estate Markel Homes WK Real Estate RE/MAX Alliance Markel Homes - North End RE/MAX Alliance Colorado Landmark 8Z Real Estate RE/MAX Alliance

Phone 720-564-6001 303-717-6069 720-470-3585 303-596-5030 303-588-8358 303-588-8358 303-570-0949 303-818-5357 303-809-0259 303-478-3207 303-818-1001 303-819-0987 303-588-8358 720-839-1038 303-990-2012 303-990-2012 303-748-3336 303-748-3336 303-442-0309 303-731-9513 303-931-6211 303-704-0123 970-567-0907 303-579-1029 303-579-7499 303-898-6564 303-898-6564 303-589-3966 303-915-9126 303-915-9126 303-489-0755 303-489-0755 303-489-0755 303-489-0755 303-775-9612 970-313-6166 303-489-0755 303-489-0755 303-618-3366 303-775-0206 720-491-9885 720 244-0980 303-818-5920 720 244-0980 303-588-1935 303-588-1935 303-489-0755 303-522-7928 303-819-1371/ 303-817-7777 303-819-1371/ 303-817-7777 303-324-4747 303-324-4747 303-604-9196 303-618-3366 720-298-0174 303-604-9196 303-250-7353 720-378-1217 720-203-7789 303-543-0148

For information on listing your open home, call Thais Hafer 303.473.1456 or Toni McNeill 303.684.5329 12

AT HOME COLORADO

DAILY CAMERA / TIMES-CALL

atHome athomecolorado.com

open Homes

OPEN SATURDAY & SUNDAY 12PM-3PM 4004 Milano Lane, Longmont $865,000 Italian villa in the city. Very private, well landscaped site. Upon entry you note the working office, chefs kitchen, and the Great Room with family dining. In addition there is a ample dining room. The upper level has 4 BR/3 baths. A deluxe master with fireplace and large closets. There is an additional bedroom, wet bar, exercise room and steam shower.

Jerry Curry 303-588-1935 • jcurry@wkre.com www.jerrycurry.wkre.com

Tues-Sat 10-6 & Sun 12-6

Tues-Sat 10-6 and Sun 12-6

10378 Stagecoach Ave., Firestone

8816 Foxfire Stree, Firestone

$385,670

$417,400

New home by DR Horton Express is complete and ready N for its new owner! Open 4 bed, 3 bath, 2-story home with a study, large family room and spacious kitchen.

Beautiful master suite plus loft space upstairs perfect for 2nd family room. Model at 5251 Sandy Ridge.

MLS#9319985 Kathy Beck 970-213-8475

B Beautiful 4 bed, 2 bath, ranch-style home w/3 car garage, built

by DR Horton, is complete & ready for its first owner! Main floor living home w/full unfinished basement comes fully landscaped! Saddleback golf course community conveniently located by Milavek Lake. Model at 8759 Peakview.

MLS#5119080 Kathy Beck 970-213-8475

Brandi Garifi 720-291-0899

Tues-Sat 10-6 and Sun 12-6

Open Saturday & Sunday 12PM-2PM O 146 Eagle Ave., Mead $369,900

10218 Bluegrass Street, Firestone

$540,000 Soaring 2-story vaulted ceilings greet you at the entry of this impressive 5 bed, 3 bath, 3 car garage home.

Gourmet kitchen includes stainless appliances, gas c cooktop, & double oven. Formal dining room located off the kitchen. Upstairs laundry & loft.

Model at 5251 Sandy Ridge. MLS# 3007759 Kathy Beck 970-213-8475

Brandi Garifi 720-291-0899

Model Home Located at 1522 Moonlight Drive, Longmont

Great home with cathedral ceilings, main floor master 3 Bedroom, 4 Bath, 1/4 Acre lot on a quiet street. You will love the neighborhood.

Fantastic yard & patio! Great Views!

Brent Sommervold • Equity Realty • 303-435-3272 OPEN HOUSE SUNDAY 1PM-4PM

Office Hours: Thursday & Friday 12-4pm and Saturday & Sunday 12-5pm

Two-story and ranch plans available Homes starting in the high-$300,000’s Call for more information and inventory Stan Meade Tim Shea 303.819.1371 303.817.7777 www.pedaltoproperties.com

OPEN SATURDAY 11AM-2PM 2801 Urban Place, Berthoud $440,000 The Cottages at PrairieStar are an exciting new product in the single-family-home market! These semi-custom built, 3 bedroom homes boast great floor plans, modern touches, and low maintenance lots.

In addition, each home has a 1 bedroom, 1 bath carriage house above the garage. The carriage house is a great place for any extended family or friends who live with you; or it can be used as an income property!

All of this, and so much more, make these a must-see!

MLS# 803330 Hosted by Ursula Albers 970-231-0548

Brandi Garifi 720-291-0899

Jenni Lovins 303-579-7499 JenniLovinsRealtor@gmail.com

1940 Spruce Dr., Erie • $664,000 This custom brick home was built by and meticulously maintained by its current and only occupants. Nestled on 1.39 acres, fully fenced and framed with more than 100 evergreen trees, even your horses will be smiling. There’s room for all your toys in the 50’x32’ metal shop and no shortage of parking in the driveway. Recent upgrades include tile & wood flooring, water heater, granite and kitchen appliances. No HOA, minutes to I25 and downtown Erie, this rare find won’t last long!

OPEN SATURDAY & SUNDAY 11AM-2PM

543 Sawtooth Pt, Lafayette $865,000 Panoramic views both front & back from this spacious home abutting open space on a beautiful landscaped 1/3 acre lot. The floor plan is perfect for entertaining both inside and out and the craftsmanship throughout is amazing.

Hosted by: Mary Romano • 303-588-8433 | Ro Troia • 303-589-3966

For advertising information, please call Toni McNeill 303.684.5329 or Thais Hafer 303.473.1456 For a complete listing and map of open homes in the area visit AtHomeColorado.com AtH C l d MARCH 24-25 2017

ATHOMECOLORADO.COM

13

LAWN AND GARDEN

Warm weather brings out the wasps BOULDER COUNTY - With the warm beginning to spring, wasp queens are awakening, shrugging off a winter’s sleep with conquest on their minds. Emerging from their winter’s sleep, queens are foraging for food, a nesting location and materials to begin building it.

Yellow jackets are a major nuisance later in the year when their numbers swell into the hundreds per nest, and to keep your yard from the black and yellow bullies, control starts now, in early spring. In winter, yellow jacket colonies die, leaving only queens. They emerge when the weather warms in spring to begin colonization of our landscapes.

Put out your wasp traps now, filled with heptyl butyrate, or design your own with chunks of cantaloupe – all it takes is a 2-liter sized pop bottle. Cut the top off the bottle at the shoulders, turn it around and slide it into to the lower part of the bottle so the neck points inwards, and staple this together. Before you fit the top on, fill the bottle with a

small amount of cantaloupe.

Some wasps prefer protein, so make another trap and put a bit of lunch meat in it. Hang these away from your house.

CAROL Another O’MEARA wasp that’s Colorado State becoming active University Extension Boulder County is the European Paper wasp, Polistes dominulus. A rust-andyellow striped insect, they build open-faced nests up in the eaves, inside sheds, and in other spots located above ground. They aren’t aggressive unless you get too close to the nest; if you do, then they may sting.

Paper wasps look a lot like yellow jackets but aren’t attracted to traps at all. They’re predators, hunting the yard for soft-bodied insects. Other hunting wasps, such as the leafhopper hunting wasp (Pseneo punctatus), are active as well. Their bodies are

Yellow jackets emerge when the weather warms in spring to begin colonization of our landscapes. (Photo: Shutterstock)

usually slender with a long, thin constriction from thorax to abdomen. Constructing nests in soil or the hollow pitch of plants, hunting wasps are beneficial insects that stuff their prey into chambers as food for their young to feed upon.

If you shudder at the thought of all these wasps flying around your yard, relax. Hunting wasps don’t bother people or pets unless they feel hassled or threatened.

But yellow jackets are a different problem; they aggressively sting and it’s difficult to tell them apart

from the European Paper wasp so give them some room.

Colorado State University Extension, together with Boulder County Parks and Open Space, provides unbiased, research-based information about consumer and family issues, horticulture, natural resources, agriculture and 4-H youth development. For more information contact Extension at the Boulder County Fairgrounds, 9595 Nelson Rd., Box B, Longmont, 303.678.6238, e-mail comeara@bouldercounty.org or visit ext.colostate.edu/boulder.

atHome athomecolorado.com

featured properties Open Saturday 1-3pm 1318 Bramble Place, Longmont

$385,000 Meticulously cared for Manitou Model. Beautiful wood floors thru-out the living, dining, & kitchen area, brand new carpet in the t fam room area. Fin. Basement workshop area could be a rec room. Large lot w/RV parking, 2 sheds, garden area.

Relax under covered patio. New roof coming soon!

Christine Cavallier 303-827-9170

For a complete listing and map of open homes in the area visit AtHomeColorado.com 14

AT HOME COLORADO

DAILY CAMERA / TIMES-CALL

Thinking of Moving?

Check out these great homes and many more at: -2 12 Sat n e

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$2,790,000 BOULDER 5 Beds, 5 Baths, 5600 SqFt

3747 Mountain Laurel Pl BOULDER $2,500,000, 5 Beds, 7 Baths, 6951 SqFt Kim Hullett, 303-748-3336

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$1,250,000 LAFAYETTE 5 Beds, 5 Baths, 6460 SqFt

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en

1-4 Sat en

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-3 n1 Su n e

1-3 n1 Su

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3558 E Davies Ave CENTENNIAL $475,000, 3 Beds, 3 Baths, 2914 SqFt Sean Chance, 303-704-0123

-3 n1 Su en

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$395,000 CENTENNIAL 4 Beds, 2 Baths, 1951 SqFt

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1114 Neon Forest Circle #2 LONGMONT $495,000, 2 Beds, 2 Baths, 1975 SqFt Suzy Williamson, 720-491-9885

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2702 Winding Trail Dr BOULDER $815,000, 3 Beds, 3 Baths, 2774 SqFt Cheryl Shatz, 303-570-0949

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711 Hay´s Cir LONGMONT $462,500, 4 Beds, 3 Baths, 3 Car Garage, 3981 SqFt Kathy Crowder, 303-775-0206

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$425,000 FREDERICK 4 Beds, 3 Baths, 2776 SqFt

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1003 9th St BOULDER $1,850,000, 6 Beds, 4 Baths, 4086 SqFt, .14 Acres Kim Payes, 720-839-1038

1638 Mountain Dr LONGMONT $545,000, 3 Beds, 3 Baths, 3340 SqFt Roger Walker, 303-818-5920

1-3 Sat en

13008 Harmony Pkwy WESTMINSTER $465,000, 3 Beds, 3 Baths, 3927 SqFt Yvonne Williams, 303-543-0148

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476 E Raintree Ct LOUSIVILLE $824,900, 5 Beds, 4 Baths, 4052 SqFt Andre Mazur, 720-298-0174

15950 Vermillion Way ANTHEM RANCH $634,000, 2 BRs + Study, 2 Baths, 3904 SqFt Carl Oldham, 303-931-6211

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2890 Stanford Ave BOULDER $2,290,000, 6 Beds, 4 Baths, 4206 SqFt Kim Hullett, 303-748-3336

327 Pratt Street LONGMONT $945,000, 4 Beds, 3 Baths, 4594 SqFt Heather Brandt, 303-489-0755

156 Rocky Knob Ln NEDERLAND $775,000, 3 Beds, 3 Baths, 3360 SqFt Jackie Jones, 303-250-7353

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1282 Armstrong Dr LONGMONT $435,000, 3 Beds, 2 Baths, 2696 SqFt Heather Brandt, 303-489-0755

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219 Pratt St LONGMONT $385,000, 3 Beds, 2 Baths, 1732 SqFt Heather Brandt, 303-489-0755

0-4 1:3 un S &

3837 Staghorn Dr LONGMONT $360,000, 3 Beds, 2 Baths, 1588 SqFt Heather Brandt, 303-489-0755

Boulder 303.499.9880

Downtown Longmont 303.651.3939

Boulder, CO 80303

512 4th Avenue Suite 101 Longmont, CO 80501

Current Listings, Area Information & More! 4770 Baseline Road Suite #220

Downtown Boulder on Walnut Nederland 303.442.3180 303.258.7020 Each office independently owned and operated.

MARCH 24-25 2017

1911 11th Street 107 Boulder, CO 80302

286 N Bridge St Nederland, CO 80466 ATHOMECOLORADO.COM

15

STYLE AT HOME

Window treatments warm up this family home

By Mary Carol Garrity Tribune News Service (TNS)

why her house looks as amazing as it does.

My friend Tammy readily admits she has a problem. She is a self-confessed fabric-haulic who never met a plaid, paisley or floral she didn’t fall head over heels in love with. We have a lot of fun leading her astray, giving her a quick call every time we get in a new fabric that will make her flip. So when Tammy, her husband Tyler, and their three young kids moved into their diamond-in-the-rough a few months ago, it was exciting for us to see how she used fabric to help write this historic house’s newest chapter.

Selecting window treatments can be hard. They are an investment, so you want to pick something you will love for years to come. That idea can paralyze a lot of folks. But not Tammy.

She didn’t hesitate when it came time to dress the windows in her home. She is fearless when she decorates, trusting her gut and following her instincts. That’s

Roman shade Case in point: This gorgeous Roman shade that’s exploding with personality. At the top of their home reno list was to gut their outdated kitchen and create this dreamy space that is a wash of warm whites. Tammy decided to add a punch of color through the window treatment over her skink. When she discovered this wonderful fabric, she knew it was the one. I could not agree more!

she wants a full view of the back.

Navy girl’s room When Tammy’s daughter requested a navy bedroom, Tammy worried that painting the walls such a rich color would make the space too dark. So she compromised by using navy as the room’s primary accent color, paired with a perky pink. These Roman shades steal the show, with their bold navy stripe and magenta trim.

Family room drapes As beautiful as their home is, Tammy, Tyler and their kids don’t

treat it like a museum. Along with their dog, they get comfy here, especially in this lowerlevel family room. Tammy opted for neutral upholstery on the furniture (Sunbrella so it was kid and dog-proof) so she could add some zip through her window coverings. These stunning drapes are just the ticket. The panels next to the fireplace can close for privacy, while those on either side of the back window offer a stunning frame.

This column was adapted from Mary Carol Garrity’s blog at nellhills.com. She can be reached at marycarol@nellhills.com.

Cafe curtains Tammy travels a ton for her job, so to pass the time when she’s sitting in airports and on planes, she thumbs through decorating magazines and blogs, looking for ideas. That’s where she found the inspiration for this window seat in her master bedroom. She finished this romantic space with adorable cafe curtains, hung on movable rods that she can swing open if

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.

Offering 1, 2, and 3 bedroom apartments.

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

This gorgeous Roman shade explodes with personality. (Photo: TNS)

GOLF COURSE COMMUNITY 1918 Windemere Ln - Erie Professional Home Inspections

$379,500

For Home Buyers and Sellers www.flatironshi.com

www.DanzlFamily.com

Traditions 16

AT HOME COLORADO

3 beds, 3 baths, 2048 sq ft, low maintenance living. Close to Pool, tennis, golf, fitness center & trails. Beautiful open kitchen with granite and stainless steel.

www.RemaxTraditionsHome.com 303-772-3800

Jim Danzl

303-775-0163 DAILY CAMERA / TIMES-CALL

Boulder Area Real Estate Statistics February 2017

HOUSE SALES

Year to Date

February 2017 Statistics Average Sales Price

Sold Listings

Location Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior Total

Sold Inventory Avg. Sales Listings Price 36 145 $921,182 19 47 $472,968 14 22 $508,616 54 134 $436,624 6 13 $678,167 1 13 $445,000 25 74 $558,192 4 10 $968,000 20 118 $781,619 9 5 $582,531 188 581

Days on Market 81 64 39 60 48 224 99 74 77 70

Median Sales Price $787,550 $420,000 $485,450 $372,815 $557,000 $445,000 $480,000 $816,000 $698,450 $494,900

Location

Thru Feb-16 92 42 23 136 21 13 34 5 65 15 446

Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior Total

Thru Feb-17 101 32 29 107 24 5 41 8 49 14 410

% Chg 9.8 (23.8) 26.1 (21.3) 14.3 (61.5) 20.6 60.0 (24.6) (6.7)

Thru Feb-16 $958,419 $472,465 $554,477 $376,132 $561,019 $444,615 $506,125 $803,900 $660,255 $621,071

Thru Feb-17 $927,411 $490,495 $499,811 $440,194 $638,513 $513,300 $546,480 $862,750 $778,602 $619,950

CONDO & TOWNHOME SALES

Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior Total

Avg. Sales Price $465,356 $309,313 $427,333 $299,928 $331,667 $0 $387,974 $0 $334,435 $492,299

Days on Market 45 25 50 99 22 0 29 0 61 34

Median Sales Price $397,000 $282,875 $402,000 $277,000 $275,000 $0 $387,974 $0 $276,250 $397,500

Location Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior Total

Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior

Thru Feb-16 89 77 48 71 40 106 132 113 92 54

Thru Feb-17 89 67 67 61 76 97 102 71 82 57

% Chg 0.0 (13.0) 39.6 (14.1) 90.0 (8.5) (22.7) (37.2) (10.9) 5.6

Thru Feb-16 60 7 15 27 6 0 0 2 65 2 184

Thru Feb-17 64 6 8 35 4 1 1 0 49 6 174

Days on Market

Average Sales Price

Sold Listings

Sold Inventory Listings 32 50 4 3 3 9 23 29 3 10 0 0 1 1 0 2 8 5 4 3 78 112

(3.2) 3.8 (9.9) 17.0 13.8 15.4 8.0 7.3 17.9 (0.2)

Location

Thru Feb-16 $865,769 $449,495 $480,000 $338,950 $541,500 $414,000 $377,500 $825,000 $559,700 $586,000

Thru % Chg Feb-17 $812,500 (6.2) $425,750 (5.3) $425,000 (11.5) $373,408 10.2 $574,500 6.1 $464,500 12.2 $467,000 23.7 $768,500 (6.8) $625,000 11.7 $586,750 0.1

Year to Date

February 2017 Statistics

Location

Median Sales Price

Days on Market % Chg

% Chg 6.7 (14.3) (46.7) 29.6 (33.3) N/A N/A (100.0) (24.6) 200.0

Thru Feb-16 $405,903 $225,929 $338,909 $240,031 $316,903 $0 $0 $228,750 $660,255 $366,000

Thru Feb-17 $473,919 $286,025 $390,850 $308,639 $396,250 $360,000 $387,974 $0 $778,602 $417,032

% Chg

Location

16.8 26.6 15.3 28.6 25.0 N/A N/A (100.0) 17.9 13.9

Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior

Thru Feb-16 51 43 191 54 31 0 0 17 92 40

Thru Feb-17 55 34 61 87 41 138 29 0 83 50

Median Sales Price % Chg 7.8 (20.9) (68.1) 61.1 32.3 N/A N/A (100.0) (9.8) 25.0

Thru Feb-16 $355,000 $223,000 $359,000 $220,000 $261,500 $0 $0 $228,750 $559,700 $366,000

Thru Feb-17 $397,000 $259,875 $400,000 $275,000 $395,000 $360,000 $387,974 $0 $625,000 $337,500

% Chg 11.8 16.5 11.4 25.0 51.1 N/A N/A (100.0) 11.7 (7.8)

For more information contact: Kenneth Hotard *303.442.3585* khotard@barastaff.com Data Source: IRES- Information Real Estate Services

RENTAL SPOTLIGHT Your Guide to Rental Communities in Boulder, Broomfield, Larimer and Weld Counties

AtHomeColorado.com/Rentals Complex Name

Address

Type

Rent

Bed/Bath

Description

Other Amenities

Information

Hover Manor Senior Apartment Residence

1401 Elmhurst Drive, Longmont

Senior Living

$905/$910 per month

1 Bed, 1 Bath

62 years and older. Secure building, quiet neighborhood, meal program, transportation, utilities paid, appliances and cable TV included. Vouchers accepted

Furnished, pet friendly, laundry facility

303.772.9292; hovercommunity.org

To list your rental or community call Thais Hafer at 303.473.1456 or e-mail hafert@dailycamera.com MARCH 24-25 2017

ATHOMECOLORADO.COM

17

Real Estate place yoUr ad:

303.466.3636 BoUlder/Broomfield/longmont or 970.635.3650 loveland or frontrangeclassifieds.com

Real Estate

FSBO 5BR 2.5BA at 2128 Lake Park Drive Longmont 80503:

Cynthia Arey Living N Colorado 40 Years of Keen Real Estate Navigation

Recently Remodeled, 2574 sq ft, 2 Living Areas, Sits on 1+ Acres, Near McIntosh Lake, RV Parking, Heated Pool w/ Pool House, Insulated Shop, 2 Car Garage, Garden. $595K w/ Agent Compensation .

FSBO, Retired Broker.

720-422-1426.

For Sale: $49,900 2014 Legacy Single Wide Mobile Home 3 Bedroom 2 Bath Stove, Refrigerator, Dishwasher, Washer & Dryer.

Park Space Rent: $500 per month, trash included.

No Dogs.

970-532-2183

...Contact Me

Double wide 3BR 2BA Mobile Home for Sale - $59,900: Large Kitchen w/ Laundry area, Large Living room, Split Floor plan w/ Master Bed/Bath on 1 end & 2 Beds/Bath on the other.

Central A/C. Very Nice Home w/ Great Features.

Blue Spruce Village Mobile Home Park Beautiful Berthoud.

Park Space Rent: $510 per month, trash service included. Cat or Small Dog Considered.

Carport Available.

FSBO 5BR 2.5BA at 2128 Lake Park Drive Longmont 80503: Recently Remodeled, 2574 sq ft, 2 Living Areas, Sits on 1+ Acres, Near McIntosh Lake, RV Parking, Heated Pool w/ Pool House, Insulated Shop, 2 Car Garage, Garden. $595K w/ Agent Compensation .

FSBO, Retired Broker.

720-422-1426.

18

Call for Appointment

970-532-2183

DRIVE YOUR WHEELS! List your car, RV, boat or motorcycle and get ready to roll!

OPEN HOUSE : Sunday, 3/19, 1-4pm 2503 10th Street SW, Loveland 80537 Clean, Ready to Move-in 5BR 3BA, 2-Car Garage, Large Yard, RV Parking, No HOA....$324,900.

Water Mineral 1 share of McIntosh water rights for sale.

785-476-7034 Want to purchase minerals and other oil/gas interests. Send details to: P.O. Box 13557, Denver, CO 80201

Rentals

AT HOME COLORADO

1401 Stuart, Longmont : 2BR 1.5BA 2-Story w/ Finished Basement, Covered Parking, New Interior & Appliances. $1500/month. Call

303-589-5752

free, 3 lines, 30 days Items $500 or more:

$10, 5 lines, 30 days

Apartments & Condos: Call PMP Realty 303-776-RENT (7368) www.pmprealty.com

empty your

MOVE IN SPECIAL ONE MONTH FREE Foothills Apartments 2BR 1BA Units in Loveland: Washer/Dryer in Unit. $950/month, Water, Sewer,Trash included.

No Pets. 1 Year Lease.

Avail No w.

$25, 10 lines, 4 days plus a free garage sale kit.

970-669-7850 SEMI-FURN Rooms/Apts Wkly/mnthly from $125/ wk, Utils/micro/fridge incl (303) 931-7108

Call 303-466-3636 970-635-3650 719-275-5300 888-355-0935

303-589-5752

sell your

Items less than $500:

Pat at

Thinking of Buying, Selling, or Relocating ?

Or,...Curious About the NEW Value of Your Home?

www.ColoradoReal EstateLady.com

Pat at

Blue Spruce Village Mobile Home Park Berthoud.

Open Houses

303-581-0606.

1401 Stuart, Longmont : 2BR 1.5BA 2-Story w/ Finished Basement, Covered Parking, New Interior & Appliances. $1500/month. Call

SEMI-FURN Rooms/Apts Weekly/Monthly from $125/week, Utils/Micro/Fridge incl (303) 931-7108

TURN USED ITEMS into quick cash with Classifieds!

303.466.3636 BOULDER/BROOMFIELD/LONGMONT 970.635.3650 LOVELAND Stuff: Private party and general merchandise only; not for commercial/business accounts. Excludes cars, homes and pets. No refund for early cancellation.

Garage Sales: Call by 3 p.m. Monday for publication in the Wednesday Colorado Hometown Weekly & Thursday BroomďŹ eld Enterprise; call by 1 p.m. Tuesday for the Colorado Hometown Weekly.

DAILY CAMERA / TIMES-CALL

Real Estate place yoUr ad:

Rentals

2BR 1BA Near Hospital in Central Longmont: Recently Remodeled.

No Pets. No Smoking.

1 year lease required. $1000/mo, water incl.

970-768-2280

303.466.3636 BoUlder/Broomfield/longmont or 970.635.3650 loveland or frontrangeclassifieds.com

Pre-Leasing for Fall Rentals Now! Downtown Boulder

Rent to Own! Home of Your Choice Do you Qualify?

Helix Properties 303.381.2508

Devin O’Branagan ERA Tradewind

303-775-0710 www.DevinSells.com

4BR 2BA Home in South Boulder: Avail Now. Near CU. $2800/month + utilities.

Arch, 720-849-2478 TURN USED ITEMS into quick cash with Classifieds!

Helix Properties 303.381.2508 Office Space for Lease on Main Street, Longmont: 1350 sq ft.

Call 970-980-4062 or 720-988-6001

Female Rmmate Wanted 1 BR & priv BA. No pets, drugs or smoking. Full use of all amenities. $700 incl all utls. 303-709-1056

Helix Properties 303.381.2508

SELL YOUR STUFF! List your stuff and get it done! Any item less than $500 sell for FREE! Call

303-466-3636 970-635-3650 719-275-5300 888-355-0935

APARTMENT RENTALS

Your First Choice for Apartment Living in Boulder

Call or Text

Pre-Leasing for Fall Rentals Now! Downtown Boulder

Female Roommates pref’d to share 2500 sf home in Louisville. N/P. Good credit/refs req.

Immediate. 303-709-8333

Executive Office Suites Available Now! Downtown Boulder.

d Vote lord d a 4tL n “Bes der” 200 y ul ail in Bo “dirt” d 5 r 0 e 20 pap news

EMPTY YOUR GARAGE Have a Garage Sale this week.

Call 303-466-3636, 970-635-3650, 719-275-5300 or 888-355-0935

ALSO OFFERING: • Affordable Rents • Friendly, Responsive Management • Immediate Occupancy

NOW LEASING!

Visit us on line at: www.boardwalkapartments.com

DRIVE YOUR WHEELS! WAREHOUSE / SHOP I-25 North, Exit 245, 50’ x 60’, 16’ ceiling, 1 OH door, 3-phase electric.

Rent nego. 303-546-6881

WE OFFER THE LARGEST SELECTION OF ONE & TWO BEDROOM APARTMENTS AND STUDIOS THROUGHOUT BOULDER. CALL US: SEVEN DAYS A WEEK!

List your car, RV, boat or motorcycle Beautiful Basement Apt and get ready in Loveland Home w/ to roll!

Private Entrance, All Call Appliances, W/D, 303-466-3636 Recently Remodeled.

Avail 4/1. No Drugs.

970-635-3650 No Smoking. NO PETS. 719-275-5300 $925/mo, utils incl.

888-355-0935 720-355-5193

303-442-0200

Call us 8am-8pm weekdays 9am-6pm weekends!

2737 Mapleton, Ste.102

SELL YOUR STUFF! List your stuff and get it done! Any item less than $500 sell for FREE! Call

SELL YOUR STUFF! List your stuff and get it done! Any item less than $500 sell for FREE! Call

303-466-3636 970-635-3650 719-275-5300 888-355-0935

303-466-3636 970-635-3650 719-275-5300 888-355-0935

FIND IT. OWN IT. WORK IT. SELL IT.

303.466.3636 BOULDER/BROOMFIELD/LONGMONT 970.635.3650 LOVELAND MARCH 24-25 2017

ATHOMECOLORADO.COM

19

20

AT HOME COLORADO

DAILY CAMERA / TIMES-CALL