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REAL ESTATE

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FOSSIL CREEK NURSERY Family owned for nearly 30 years

Quick Guide and Featured Open Homes Looking for a home? View comprehensive listings of local open homes taking place this weekend from all across the area.

May 12-13, 2018

This popular design trend is the secret to creating a happy (and chic) home Minimalism has long been a design trend, but it has effects on health and happiness as well. Loveland Reporter-Herald – AtHomeColorado.com

Top 7 Reasons for Closing Delays Closing delays are a stressful issues in the home buying and selling process. Avoid these pitfalls.

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HOME DÉCOR

atHome This popular design trend is the secret to creating COLORADO HOME AND REAL ESTATE

ATHOMECOLORADO.COM CONTRIBUTING WRITERS

By Sacha Strebe, Domaine (TNS)

Cathy Hobbs

There’s a reason the minimalist trend has been so popular among interior designers and design enthusiasts alike for so long. Yes, minimal interiors are aesthetically pleasing (not to mention seriously pinnable), but beyond their good looks, they have major benefits on our health and happiness, too. (Science has proven that physical clutter can lead to stress and depression, especially in women.) There is something calming about a stripped-back space, which is why former magazine editor and author Natalie Walton wrote “This Is Home,” an entire book dedicated to the art of simple living. “For me, simple living is about focusing on what is important in my life at this point in time,” Walton tells MyDomaine. “It’s about quieting the noise of the world and being authentic to my journey and my story. Right now, it’s about focusing on my family’s needs.” As a mother of four young children under the age of 10, it is important that Walton’s home feels safe and nurturing. “Our choice of materials is deliberately calm and subdued. We also celebrate handmade objects and thoughtful design, as I want our children to appreciate that there is value in the handmade and that our choices can help enhance our everyday experience.” It’s also important to Walton that they have both a tidy home and one that’s free from “too much stuff.” She continues, “Partly, this is for environmental reasons, but also the less we have, the more we can focus on what’s really important, and the easier it is to tidy up too — essential for a family of six.” Ahead, Walton outlines some of the key reasons we’re seeing a cultural shift toward the “less-is-more” lifestyle, along with some key tips on how to create the streamlined look at home.

Caitlin McCabe Suzanne Plewes Sacha Strebe

ADDITIONAL CONTENT Tribune News Service

ADVERTISING CONSULTANTS Thais Hafer, Toni McNeill

EDITOR/FEATURES COORDINATOR Misty Kaiser

At Home is an Advertising Feature published by the Loveland Reporter-Herald. ©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/ SubmitOpenHouseLoveland.com.

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a happy (and chic) home

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Consider Everything That Comes In After many years working as

Minimal interiors are aesthetically pleasing, but they have major benefits on our health and happiness, too. (Dreamstime)

a deputy editor on an interiors magazine, Walton started to feel “exhausted by stuff.” The editorial team was constantly sent products and samples “all for free” in the hope that they would be featured, but it started to feel excessive. “While I was introduced to some amazing brands and people during this time (some of whom are still friends today), I also started feeling somewhat dispirited by the amount of stuff that constantly surrounded us, and the world in general,” she explains. “This also escalated when I became a mother and was bombarded with a whole host of products that I really didn’t need. Walking into a baby goods store was an eye-opening experience.” Walton believes our exposure to products as a society has “increased exponentially with the rise of social media and influencers.” But she questions whether any of it has made us happier. “Are we more content? Or are we just distracted by surface layers?” she queries. “We are fast approaching a time when we have to seriously look at the way we are living our lives — from our consumption of products to technology — before we all burn out.” The takeaway: Really consider every single piece that comes into your home. If you don’t love it, don’t let it in. Or you could apply the one in, one out rule: For any one item that comes in, one has to

Loveland Reporter-Herald – AtHomeColorado.com

go out. Focus On What’s Really Important If you’re really serious about creating a simpler, minimal home (and life), then Walton says you need to get back to basics and focus on “what’s really important in your life.” She adds, “In this way, it’s not a look. It’s not minimalism. Instead, it’s about using values to guide decorating decisions. Do we want to focus on sustainability, artistry or the handmade, for example? It’s also about honoring ourselves and what we really love as opposed to being seduced by trends or distracted by other ideas on living.” The takeaway: Every piece in your home should have value and meaning. “I keep coming back to designer Dieter Rams’s words: ‘less but better,’” says Walton. Make It Meaningful If there’s one thing that will make any home a happier one, it’s meaning. Don’t forget the power of sentimentality and how simple objects of value can add context, tone, and connection to a space. That energy cannot be bought. But how do you develop a sense of style to create a meaningful home? “True style comes from an authentic place,” says Walton. “It is not created, but rather it evolves. This applies equally to personal style as style at home.” May 12-13, 2018


The most stylish people and places are the most authentic, she says. “They are not trying to replicate someone else’s look but are creating their own through the prism of their values and honoring their life story. When we tap into our own, we begin the journey to creating a meaningful home environment. We stay on track when we allow our values to help guide decision-making processes.” Tell A Story According to Walton, the story of our home starts when we look around at our surroundings. “There is a reason we choose to live in a city, on the coast, or in the countryside,” she says. “Something draws us to this area. We should honor and celebrate that decision.” Of course, Walton reiterates that this doesn’t mean we have to create a theme in our interiors, rather we can weave some of the exteriors inside. “Perhaps we take our color palette cues from the surrounding flora and fauna,” she says. “Or

choose materials that are in keeping with what we see on a daily basis. In the city, this might be the use of more industrial materials, whereas in coastal areas we might choose bleached timbers or raw stone. I am a great believer in living in harmony with our environment, and this is the start of the process.” The takeaway: Walton believes with each piece we add to our home, we should ask ourselves: Does it align with our values? Is it enhancing our experience of day-to-day living? “Through this process, a story will emerge — our own,” she says. Identify The ‘Nonessentials’ And Pass Them On To create a streamlined, simple environment, you need to identify what the nonessentials are and then pass them on. But how do you develop this eye? “Live in a caravan for 10 days with your family, as I did recently, and you soon have a clear idea of what are nonessentials,” she laughs. “I

find the same is true from when you move house or go on any type of vacation. All of a sudden, we realize how little we need.” But Walton isn’t suggesting we should “live like monks” either. Some objects can provide pleasure for pleasure’s sake, she says. “However, there is a lot we hold on to because of a sense of obligation, or sometimes we stop noticing certain objects within our home,” she adds. “They’re just there. These are often the first to go when I go through a period of cleansing and clearing my home.” The takeaway: If you’re struggling to identify the essentials from the nonessentials, ask yourself these questions: Is it useful? Does it provide pleasure? If not, it’s time to pass on to someone else who might enjoy it more. Create A Space That Nurtures, Revives And Restores Through writing this book, Walton discovered we often focus a lot of time and effort and expend

many resources on designing and decorating a home at the start of the journey. “However, that is just part of the story,” she says. “We should also make time for enjoying our spaces because they are where we can rest, relax, and restore our bodies. Our homes are where we create lifelong memories and form some of the richest relationships of our lives. So let’s give our bodies the quality sleep they need and make our beds as enticing as possible. Let’s take long and deep baths to ease aches and pains. And linger over long lunches with friends and family. After all, homes are for living.” The takeaway: Don’t just decorate your house, invest some personal time and energy into the overall design and aesthetic so it goes beyond a space and becomes a home. ——— Get the latest on home decor trends, design ideas, shopping guides and food news, and take a look inside your favorite celebrity homes on DomaineHome.com.

DESIGN RECIPES

How to find inspiration for your home decor ideas By Cathy Hobbs Tribune News Service (TNS) Whether it’s in nature, pages of a magazine, a friend’s home, hotel or designer show house, design inspiration is wherever you find it. Recently, more than 60 top designers met at the Metropolitan Pavilion in New York to create one-of-a-kind vignettes to benefit charity. The annual event is called Design On A Dime and is sponsored through Housing Works. All items are for sale and proceeds benefit those affected by homelessness, HIV and AIDS. Show houses are held in various forms throughout the country and are a wonderful way to be inspired for ideas for your own home. Other sources of inspiration include retail stores, restaurants, magazines, showrooms and even nature. May 12-13, 2018

A rustic space can provide inspiration for country homes or gardens. (Design Recipes)

OTHER WAYS TO FIND INSPIRATION Often we ignore what is right in front of us. Whether it is a pretty flower, display or well designed public space, the reality is you can find inspiration virtually anywhere. Many designers travel with sketch books to always document great design. Along similar lines, many designers also photograph any design element they find interesting. This isn’t for the purpose of imitating, but being inspired. Look for interesting color combinations, textures and interesting use of design. Visit museums, exhibitions, art shows

A deep wall color helps demonstrate how a mix of light and dark elements can provide contrast and interest. (Design Recipes)

and design events. These venues tend to not only attract talent, but the very latest in design. WHAT’S OLD IS NEW AGAIN Inspiration is not always about what is the latest and greatest. While newer items may be appealing, so can vintage pieces that may be capable of being refreshed and repurposed. Not sold on using vintage items? Consider mixing items that are new, bold or unique with those that are more vintage in nature. ASK QUESTIONS Remember, whether it’s a piece

Loveland Reporter-Herald – AtHomeColorado.com

of art you spotted in a restaurant, wallpaper on the wall of a room in a designer show house or display piece in a retail store, that piece is likely available for purchase or can be sourced and purchased from a manufacturer or artisan directly. ——— Cathy Hobbs, based in New York City, is an Emmy Awardwinning television host and a nationally known interior design and home staging expert with offices in New York City, Boston and Washington, D.C. Contact her at info@cathyhobbs.com or visit her website at cathyhobbs.com . AT HOME

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OPEN HOUSES THIS WEEKEND

SAT & SUN 12 - 2 670 COVE COURT, LOVELAND

SAT 11-1 1806 EMPIRE AVENUE, LOVELAND

MON-THURS, SAT 11-6, FRI & SUN 12-6 2960 KINCAID DR. #202, LOVELAND

SAT. 1-3 5627 PAWNEE LN, GREELEY

Ranch with finished walkout basement on the West end of Boedecker Lake! 3 bedrooms, plus a study, 3 baths, 2 fireplaces and oversized 2 car garage. Huge workshop in the walkout basement. DO YOU LIKE WATER SPORTS?!?! Boedecker has fishing and wakeless boat activities.

4bd, 3ba, Ranch, 2731 sq ft home in the heart of Loveland. Conveniently located near several parks & Lake Loveland for outdoor enjoyment. Features include a spacious back yard, bright kitchen & incredible 3-season sun room. Home has been pre-inspected. Roof replaced in 2017!

NOW PRE-SELLING Bldg 2. New 2 bed-2 bath, 1,296 SF condo, lots of windows, granite in kitchen and island, SS appliances w/ fridge, laminate flrs & A/C. Hurry…choose your colors! $3K preferred lender incentive. Est. delivery Sept. Please visit onsite sales trailer.

3BD + bonus room, 2BA, remodeled brick ranch in Arrowhead on a 1.41 acre lot. Unfin bsmt for future expansion. Horses allowed. Newly remodeled features incl: roof & gutters, furnace & A/C, tankless water heater, kitchen w/granite & new island, wood floors, stone front on fplc & light fixtures. 3-car attached gar + outbuilding.

$625,000 MLS# 849101 Mark Moran 970-218-1891

$369,000 MLS #849587 Mark Shea 720-261-5674

$259,000 MLS# 845487 Christie Duggar 970-219-1138

SATURDAY 10-5 & SUNDAY 11-5 278 PAVO CT., LOVELAND

SATURDAY 10-5 & SUNDAY 11-5 3119 ARIES DR. LOVELAND

SATURDAY 12-1 & SUNDAY 11-1 1251 CARLENE DR., LOVELAND

TUES-SAT 10-6 AND SUN 12-6 311 JAY AVE, SEVERANCE

New 3BD, 3BA 2-story. Open floorplan, well-appointed kitchen w/granite island, SS appl, gas range & beautiful cabinets. Front yard landscaping, 2 car attached garage & unfinished walkout basement. Great location near Centerra! Visit Sales Center at 3085 Crux Dr.

This brand new 3BD 2BA 1,610 sf ranch is gorgeous! Open floorplan & awesome kitchen with island, gas range & beautiful cabinets. Private master retreat! Partial unfinished basement. Great location! Visit Sales center at 3085 Crux Dr.

Beautifully renovated 4 bed, 3 bath ranch with finished basement. Main level open floor plan with vaulted ceilings & lots of light. New roof, furnace, stainless steel appliances, flooring & fixtures. Spacious back yard & relish the fact that there is no HOA, so bring the RV!

Beautiful open concept ranch floor-plan with 3 beds, 2 baths, and 9’ ceilings throughout, by Express Homes by DR Horton in Severance! The kitchen offers a large pantry, granite counter tops and stainless appliances with gas range! Model at 538 2nd St. $352,110 MLS #846740

$368,950 MLS# 838485 Matt Nesbitt LeAnna 970-393-3102

$339,950 MLS# 844952 Matt Nesbitt LeAnna 970-393-3102

$600,000 MLS# 847660 Paula Hawe 970-222-1020

$360,000 Kim Doll 970-377-6023

Tom Washburn 970-219-6431

Brandi Garifi 720.291.0899

Kathy Beck 970.213.8475

SATURDAY 12-2PM 2443 OMNI CT, BERTHOUD

SAT 1-3 3929 PAGOSA COURT, LOVELAND

SATURDAY 1-3 1540 PLATTE CT., LOVELAND

TUES-SAT 10-6 & SUN 12-6 2280 STONEFISH DRIVE, WINDSOR

Welcome to this Custom Masterpiece that has style and elegance, comfort and luxury; design that will stand the test of time. Luxury features throughout; gourmet kitchen w/granite, knotty alder cabinets, stainless appliances, stunning floor to ceiling stone living room, main floor study and guest suite, beautifully finished basement with wet bar and plenty of room to entertain! This meticulously cared for home has a master bedroom upstairs with walk-in closet and 3 more bedrooms. The acreage features spectacular mountain views are & the upscale outdoor living spaces.

3bd/3ba/3,132 SF 2 story home! Beautiful open floorplan w/ an eat in kitchen, granite, wood floors, stainless appl. Custom mantle & gas fp. Tons of space. Large loft and unfin bsmt. Deck overlooks open space. No backyard to maintain!

Cute 3 bed 3 bath Tri-Level home located in the Peninsula at Horseshoe lake. Brand New Carpet. New a/c in 2016 and new roof in 2015. 5-piece master bathroom, lots of storage space, basement has gas fireplace and room for a 4th bedroom. Vaulted ceilings, formal dining, A/C, Ceiling fans, large backyard with dog run & sprinkler system.

Spacious, 4 bed, 3 bath home in Water Valley has all the features you are looking for! Open floorplan by DR Horton has a private main floor study, and loft. Covered back patio and full landscaping Fencing is included. Attention to detail. Visit the model at 2179 Longfin

$1,300,000 MLS# 848596 Andrea Schaefer 970-290-3758

$365,000 MLS# 846812 Tracie Milton 970-227-8097

FOR A COMPLETE LIST OF ALL OUR OPEN HOUSES VISIT WWW.THEGROUPINC.COM 4

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$385,000 MLS# 849581 Danny Valles 970-213-4463

$405,000 MLS# 848143 Kathy Beck 970-213-8475

Brandi Garifi 720-291-0899

HARMONY OFFICE 970.229.0700

HORSETOOTH OFFICE 970.223.0700

CENTERRA OFFICE 970.613.0700

MULBERRY OFFICE 970.221.0700

OLD TOWN OFFICE 970.493.0700

LOVELAND OFFICE

Loveland Reporter-Herald – AtHomeColorado.com

970.663.0700

May 12-13, 2018


GUARANTEED MOVE Whether you are moving up, down, or just around The Group’s Guaranteed Move will make certain you get to your next home. CONTACT A GROUP REALTOR TO FIND OUT IF YOU QUALIFY! Five Steps to Your Guaranteed Move 1.

Guaranteed Move Team visits your home.

2. Guaranteed Move Team will present you with a comparative market analysis (CMA) and the details of the program. 3. You agree to a Guaranteed Move prior to listing your home with The Group. 4. A full home inspection will be conducted by a certified inspector and any necessary repairs will be addressed. 5. You are on your way to a Guaranteed Move!

FOR A COMPLETE LIST OF ALL OUR OPEN HOUSES VISIT WWW.THEGROUPINC.COM May 12-13, 2018

HARMONY OFFICE 970.229.0700

HORSETOOTH OFFICE 970.223.0700

CENTERRA OFFICE 970.613.0700

MULBERRY OFFICE 970.221.0700

OLD TOWN OFFICE 970.493.0700

LOVELAND OFFICE

Loveland Reporter-Herald – AtHomeColorado.com

970.663.0700

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COVERPROFILE

(Left to Right) Nate, Heidi, Christine and Jack Fetig provide Northern Colorado with the highest quality plants at Fossil Creek Nursery. (Tim Seibert/At Home)

FOSSIL CREEK NURSERY Family owned for nearly 30 years

Courtesy Fossil Creek Nursery When Jack and Christine Fetig purchased Fossil Creek Nursery in 1990, they were primarily looking for a way to supply their thriving landscaping business of 10 years, Alpine Gardens. Fast forward 28 years and Fossil Creek Nursery is not only surviving but has

become among the top nurseries in Colorado. Better yet, the original plan came into fruition and Alpine Gardens is one of Fossil Creek Nursery’s largest customers. From the start, Fossil Creek Nursery’s first priority has been to supply northern Colorado with the best selection and finest quality plants in the area.

Featuring a broad selection of annuals, perennials, conifers, trees, shrubs, fruits and plenty more, Fossil Creek has become the Front Range’s one-stop-shop for commercial landscapers or residents looking to spruce up their own outdoor living spaces. In 1997, the nursery made the move to its current location at

7029 South College Ave., just south of Trilby Road. Today, Fossil Creek Nursery enjoys 15 beautiful acres of hillside overlooking Benson Reservoir, home to an exquisite garden center and greenhouse with countless products and landscaping displays. The nearly 30-year journey has been a learning process through

Landscaping perennials, houseplants and even home accessories all help homeowners design their outdoor spaces. (Photos courtesy Fossil Creek Nursery.) 6

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Loveland Reporter-Herald – AtHomeColorado.com

May 12-13, 2018


and through. Over the years, the Fetigs have learned why certain plants are not available all year long, as well as which growers are the best and what it takes to help create special landscapes for their customers. To this day, Fossil Creek’s specialty is having the widest selection of woody plants and perennials of any nursery in Colorado. After a number of years in business, some owners may choose to take a step back and let others take the reins, but not the Fetigs. Both Jack and Christine remain heavily involved in both Fossil Creek Nursery and Alpine Gardens. Jack serves as Fossil Creek Nursery’s chief operating officer and Alpine Gardens’ head landscape designer, while Christine is the business manager for both companies. For Jack, the best part of the ride has been the magnificent environment in which he gets to work. The eclectic variety of trees, plants and products that he experiences on a daily basis has only enhanced his love of

MOTHER’S DAY WEEKEND AT FOSSIL CREEK NURSERY WHEN: Saturday, May 12, 9 a.m. to Sunday, May 13, 4 p.m. WHERE: Fossil Creek Nursery, 7029 S. College Ave, Fort Collins The Fetig family poses in front of the 15-acre spread that houses Fossil Creek Nursery garden center, greenhouse and landscaping displays. (Tim Seibert/At Home)

horticulture. Christine is grateful for the role that Fossil Creek Nursery played in raising their family. It provided a safe, fun place for her three sons to work growing up, and she and her husband were able to impart on them their passion for plants at an early age. In fact, Jack and Christine’s son, Nate, and his

wife, Heidi, have even taken on management roles as well, making this truly a multi-generational, family-run operation. Their advice for other familyowned local businesses is simple – “Follow your passion and remember the community you serve!”

Bring Mom shopping for her own flowers! There is always something lovely for her home and yard at Fossil Creek Nursery. Come in for a full weekend of Mother’s Day Specials and get Mom a gift that keeps giving year after year.

WE need YOUR help? We have buyers looking for homes in your area... Thinking of selling?

Ready to move Up? We have Buyers ready to buy, who are willing to work around YOUR Timeline. www.LovelandHousePrices.com

Free EBook! How to Sell Your Home for Top Dollar - Fast! www.SellersEBook.com

Our pet of the week, In loving memory: “Ladybug” Thanks Marissa Mekelburg @NoColoHomes #HappyPetHappyHome

The Nanci Garnand Team (970) 541-0840 Nanci Garnand (970) 227-1327 Dave Gornall (970) 590-8891 Craig LoSasso (970) 820-0411 May 12-13, 2018

Loveland Reporter-Herald – AtHomeColorado.com

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ON THE HOUSE

Mortgage lenders are making it easier for you to buy a house. But are they repeating last decade’s mistakes? By Caitlin McCabe The Philadelphia Inquirer (TNS) Dana Wade, the acting Federal Housing Administration commissioner, minced few words in testimony last month before a U.S. House of Representatives committee. The FHA, the federal housing agency that insures mortgages made to first-time and lowerincome buyers, has seen “certain trends and indicators of potential defaults,” Wade said. The number of FHA-insured borrowers who are behind on mortgage payments has jumped, Wade wrote in her testimony. The use of down payment assistance is up. The frequency of FHA borrowers who are spending more than 50 percent of their income on debt payments has increased, too. And the number of borrowers refinancing their homes to take cash out for other uses has swelled. “Some of this increase may be attributable to a decrease in mortgage credit quality,” Wade warned. “Indeed, lower credit quality is a concern for FHA because it hampers borrowers’ ability to withstand adverse events.” During the hour-long hearing in front of the bipartisan housing subcommittee, however, none of the eight representatives who volleyed questions at Wade acknowledged her lending concerns even once. After years of tight credit in the aftermath of the Great Recession, both conventional mortgage lenders and the FHA have been easing credit standards — allowing for low down payments, for example, or higher levels of borrower debt — to lure first-time and low- to moderate-income buyers back to the housing market, industry observers say. By making it easier for these groups to obtain mortgages, the observers argue, it is only natural to see a modest uptick in missed payments — especially by FHA borrowers — after almost seven years of steadily dropping delinquency rates. Not all market observers are 8

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convinced that these changes are OK. As federally sponsored mortgage giants Fannie Mae and Freddie Mac, as well as the FHA, have introduced these easier credit requirements to promote more homeownership, some critics worry that the mortgage industry could be headed toward dangerous territory if it continues to become easier to get a mortgage — especially amid what Edward Pinto, a fellow at the conservative think tank American Enterprise Institute, currently calls the “Housing Boom 2.0.” By allowing borrowers to take on more debt or put less money down on a house in today’s super-charged real estate market, observers such as Pinto argue, lenders could be setting themselves up for higher rates of borrower default in the event of a recession — something that Pinto believes is not too far off. “For every time there is a boom and a correction, the group that gets hurt the most are low-income and minority home buyers, in general, because they are the ones using the most leverage when house prices are going up,” Pinto said. “… House prices are growing rapidly, and we can’t predict how high that boom will go, and we can’t predict when the turn will come — all we can say is we’re in (a boom), and the longer it goes on, the more painful the correction will be.” The split between observers on the issue reflects just how difficult it is to craft a sweet-spot of mortgage lending requirements in this ultra-hot real estate market. In contrast to critics such as Pinto, observers such as the Urban Institute, a left-leaning think tank, argue that allowing more imperfect buyers to enter the market — ones with bruised credit scores or little savings — is an “important step” to increasing access to mortgages for buyers who have been shut out of the housing market. In particular, with Fannie Mae announcing last year that it would support loans for buyers who have a debt-to-income ratio of 50 percent, up from its previous 45 percent ratio, the Urban Institute

estimates that 95,000 more loans will be approved annually — a large portion of which will go to black and Latino buyers. (A debt-to-income ratio measures how much of a borrower’s gross income will be spent on a mortgage and other debt payments. Freddie Mac, Fannie’s smaller sibling, also allows for a 50 percent debt-toincome ratio. While neither Fannie nor Freddie is a lender itself — and instead purchases mortgages from lenders to keep money moving through the market — the standards they set largely influence the decisions that banks and other agencies make.) For observers such as the Urban Institute, however, expanding access to mortgage credit is more than just policy — arguing instead that it can affect livelihoods. By restricting mortgages to borrowers with only pristine credit scores or little debt, they say, lenders can deprive low- to middle-income people from the opportunity to accumulate wealth through home ownership. And as a whole, they contend, it can hold the economy back from a robust recovery. In response to such concerns — and amid increasing competition — lenders have begun increasing access to mortgages. Nearly four years ago, in one of the first major industry shifts, both Fannie Mae and Freddie Mac announced they would allow buyers to put down as little as 3 percent on a home — a reduction from the previously required 5 percent down, and a serious reduction from the 20 percent requirement that regulators floated after the Great Recession. (For a $200,000 home, a 3 percent down payment would be $6,000.) Despite allowing for such small down payments, both mortgage backers said borrowers are still required to obtain private mortgage insurance, have a credit score that can be as low as 620, and provide documentation of their financial history. Some borrowers also are required to participate in online homeownership counseling.

Loveland Reporter-Herald – AtHomeColorado.com

“When you read these guidelines, (lenders) are not doing this across the board without taking certain precautions,” said Frank Nothaft, chief economist for CoreLogic, a real estate data company. “No one can get a 3 percent down loan with a 50 percent debt-to-income ratio … and (bad credit.) There have to be other features in loan applications that mitigate risk.” To be sure, observers such as Nothaft add, the current easing of today’s requirements is nowhere near where it was a decade ago. Leading up to the recession, lenders were allowing borrowers to provide no documentation of their finances and granting loans with no money down. “I’m seeing more scrutiny,” said Colleen Flynn, a real estate agent for Berkshire Hathaway HomeServices Fox & Roach in Newtown Square, who worked on the banking side during the last housing boom. “We have no no-documentation loans anymore … no interest-only loans, where borrowers weren’t paying down their principal. … I’m not seeing (lenders) throwing money at people.” Indeed, Flynn said she has seen today’s lender scrutiny up close. One of her clients, 26-year-old Brittney Whitehead, who has been searching for her first home, has struggled to find a lender who will overlook her credit score, which she said was dinged after she failed to pay a bill that she said she never received in the mail. She’s a ninth-grade teacher who owes more than $66,000 in student loans and has only modest savings. And while she hopes to put around 3.5 percent down on an FHA loan for a house she found in Delaware County for $132,500 — one where she hopes to raise her newborn son with her fiancé — she is waiting to hear whether her mortgage is approved. Since the rollout of those low-down payment programs by Fannie and Freddie, banks including Wells Fargo and Bank of America have joined the 3 percent down payment trend. May 12-13, 2018


Many lenders have resumed allowing borrowers to use gifts or other assistance to contribute to the down payment, too. The FHA allows borrowers to put as little as 3.5 percent down. Most recently, Freddie Mac launched a new program, HomeOne, that still allows borrowers to put down 3 percent, but does not come with any kind of geographic or income restrictions — similar to the FHA. In addition, Freddie Mac has been working to find ways to better underwrite loans for the selfemployed, a category of borrowers who struggle to access loans due to difficulty providing financial documentation. For 36-year-old Nickolas Brozek, the managing partner of two Philadelphia restaurants, including Dim Sum House on the 3900 block of Chestnut Street, anxiety over documentation for a mortgage was one of the things that held him back from buying a house years ago. As a partner in the food industry, Brozek said, his income fluctuates largely with restaurant profits. Checks vary in regularity — and size. Plus, having entered the workforce right before the recession, he said, he was hesitant to apply for a credit card during his 20s — and instead relied heavily on cash he picked up from bartending out of school. He waited to get his first credit card until he was 30. “Everyone I knew out of school had so much credit card debt, and since I worked in a cash environment, I just decided to pay cash for everything,” Brozek said. But the lack of credit accumulation finally hit him when he started thinking about buying a home. “Is my credit OK?” Brozek said he asked himself. “Am I going to be able to qualify?” Thanks to having little debt accumulation and an annual salary of more than $100,000, Brozek said, he was able to qualify for an FHA loan earlier this year despite his modest credit and sporadic documentation. He opted to put 3.5 percent down on a new home in Kensington, which he bought for $311,000. He moved in last month. ——— ABOUT THE WRITER Readers may email Caitlin McCabe at cmccabe@philly.com or write her at The Philadelphia Inquirer, Box 8263, Philadelphia PA 19101. Volume prohibits individual replies. May 12-13, 2018

REAL ESTATE

Top 7 Reasons for Closing Delays Closing delays are often one of the most stressful issues in the home buying and selling process. SUZANNE According PLEWES to the RE/MAX Alliance National Association of Realtors, most problems are related to the mortgage process. However, they are not exclusive to mortgages. Here’s a look at some of the most common reasons for closing delays and what you can do to avoid them. 1. Buyer Missing Paperwork When you apply for a mortgage, your financial information is submitted to an underwriter for review. That underwriter may request additional documentation or explanation on any number of things. Taking too long to gather information is one of the leading causes of mortgage approval delays. It is extremely important for buyers to quickly respond to lender requests. Each day that goes by is a day by which the closing could be delayed. 2. Appraisal Delays An appraisal is a critical element to the mortgage approval process. During busy seasons like the spring and summer, it can take over a week to obtain an appraisal appointment and an additional one to two weeks to receive the final report. Thus, it’s important to submit the request (and make payment for your appraisal) as soon as possible. 3. Loan Processing Time Frames Lenders are extremely busy at this time of year, so naturally, everything will take

Avoid delays in your closing by being quick to respond to requests. (Shutterstock)

longer. When you submit any new paperwork to your lender, it goes into a queue. It may not get reviewed right away. It’s not uncommon for several days to pass before your information gets reviewed or re-reviewed. To minimize the number of times that your file must go into a queue, it’s best to submit information all at once and as quickly as possible. 4. Title Review or Issues Another essential step in mortgage processing is the title review. This is often completed by an attorney or a title company and aims to identify any title issues with a property. Delays in completing this step or any issues that may be uncovered could delay your closing. 5. Repairs After a home inspection, you may end up negotiating repairs to be completed before closing. Some repairs may take longer to complete than others, so be sure to allow for enough time before closing. Anything that involves hiring a contractor may take longer for scheduling purposes. For quick closings, it may be best to negotiate a seller concession so that you can complete repairs on your own. That also gives you the opportunity to select your own contractor and ensure quality repair work. 6. Final Readings If your home uses any municipal services such as public water and sewer, a final reading and invoice will be required for the closing. Failure to obtain and pay

Loveland Reporter-Herald – AtHomeColorado.com

such charges could result in a lien on a property. Lenders aim to avoid such liens since it would supercede their own lien. Some cities and towns require advanced scheduling for that final reading. Sellers who fail to plan accordingly may inadvertently delay their closing. 7. Contingencies not Cleared Another extremely common delay involves contingencies. Examples are: A sale is contingent upon a seller finding suitable housing but they have difficulty finding a new home due to limited inventory. A buyer’s purchase is contingent upon the sale of their existing home but there is a problem with that other transaction. Avoiding Home Closing Delays Some issues, such as title defects, may be unpredictable. However, most of the common delays noted above are preventable. By being proactive, diligent, and aware, you can avoid closing delays. Your agent can help you stay on top of these potential issues and work towards closing your home purchase on time. ———————————— Suzanne Plewest 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. AT HOME

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QUICK GUIDE

OPEN HOUSE

WWW.ATHOMECOLORADO.COM/OPEN-HOUSES Berthoud 302 Dove Lane $824,000 Saturday 10:00 AM-1:00 PM Pat Kahler RE/MAX Alliance (303) 589-5752 2443 Omni Court $1,300,000 Saturday 12:00 PM-2:00 PM Andrea Schaefer The Group Inc (970) 290-3758

Greeley 5627 Pawnee Lane $600,000 Saturday 1:00 PM-3:00 PM Paula Hawe The Group Inc (970) 222-1020

Longmont 645 Tenacity Dr C $265,000 Saturday 12:00 PM-2:00 PM Suzy Williamson RE/MAX Alliance (720) 491-9885 1242 Grant St $399,500 Saturday 12:00 PM-3:00 PM Katie Patterson RE/MAX Alliance on Walnut (720) 934-1057

1242 Grant St $399,500 Sunday 11:00 AM-1:00 PM Katie Patterson RE/MAX Alliance on Walnut (720) 934-1057

3119 Aries Dr $339,950 Saturday 10:00 AM-5:00 PM Matt Nesbitt The Group Inc (970) 419-2327

717 Brookside Ave $600,000 Saturday 12:00 PM-3:00 PM Natasha Hubbard RE/MAX Alliance (303) 909-3810

3119 Aries Dr $339,950 Sunday 11:00 AM-5:00 PM Matt Nesbitt The Group Inc (970) 419-2327

918 Half Measure Dr $600K’s+ Daily 11:00 AM-5:00 PM Marlita Lazo Markel Homes (303) 522-7928 2011 100 Year Party Court #1 $757,000 Saturday 1:00 PM-3:00 PM Denise Patryas RE/MAX of Boulder (303) 441-5644

Loveland

4805 Mariana Hills Circle Homes From The $600’s By Appointment Brittany Munoz LC Tulip (970) 227-1334 670 Cove Court $625,000 Saturday & Sunday 12:00 AM-2:00 PM Mark Moran The Group Inc (970) 218-1891

Severance

278 Pavo Ct $349,950 Saturday 10:00 AM-5:00 PM Matt Nesbitt The Group Inc (970) 419-2327

1436 Red Fox Cir $710,000 Saturday 1:00 PM-4:00 PM Janeé Walker C3 Real Estate Solutions (970) 215-3876

Windsor

278 Pavo Ct $349,950 Sunday 11:00 AM-5:00 PM Matt Nesbitt The Group Inc (970) 419-2327

384 Shadowbrook Dr $325,000 Saturday & Sunday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

2960 Kincaid Dr #202 $259,000 Saturday 11:00 AM-6:00 PM Christie Duggar The Group Inc (970) 219-1138

3929 Pagosa Ct $365,000 Saturday 1:00 PM-3:00 PM Tracie Milton The Group Inc (970) 227-8097

2960 Kincaid Dr #202 $259,000 Sunday 12:00 PM-6:00 PM Christie Duggar The Group Inc (970) 219-1138

2061 Monte Vista Cir $429,000 Saturday 11:00 AM-2:00 PM Bob Sprague Love Northern Colorado Real Estate (970) 372-8520

2280 Stonefish Dr $405,000 Saturday 10:00 AM-6:00 PM Kathy Beck The Group Inc (970) 213-8475 2280 Stonefish Dr $405,000 Sunday 12:00 PM-6:00 PM Kathy Beck The Group Inc (970) 213-8475

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LIST YOUR OPEN HOUSE 10

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VISIT ATHOMECOLORADO.COM/SUBMIT-OPEN-HOUSE OR CALL 303.473.1456, 303.684.5329 Loveland Reporter-Herald – AtHomeColorado.com

May 12-13, 2018


REAL ESTATE

RE/MAX Alliance Agents, Jan Thayer and Denny Whitehead, Celebrate 40 Year Anniversary in Real Estate

Jan Thayer and Denny Whitehead, of RE/MAX Alliance in Fort Collins.

Fort Collins, May 8, 2018— Jan Thayer and Denny Whitehead, with RE/MAX Alliance, recently celebrated their 40th anniversary in real

LAWN AND GARDEN

Garden Tours lift spirits With the snow, rain, and humidity gardens are geared up to produce a season of glorious color. Take advantage of the show by BY CAROL marking your O’MEARA calendars to Colorado State University Extension peek behind walls and fences for ideas to apply to your landscape, courtesy of local garden tours. The 16th Annual WhittierMapleton Garden Tour is June 2, 9 a.m. to 2 p.m., showcasing outstanding gardens in the historic Mapleton Hill neighborhood. Privately owned, these beautiful gardens are not open to the public at any other time of year. The gardens are selected to show a variety of types: mature, avantgarde, lavish and modest. They May 12-13, 2018

estate. They have been working as a team at RE/MAX Alliance in Fort Collins since 1990. Jan and Denny’s biggest priority is a satisfied customer and it shows: over 80 percent of their business comes from referrals. “Jan and Denny’s tireless dedication to serving their clients, customers, and community has allowed them to achieve this milestone,” said Dennis Schick, Broker Owner of the RE/MAX Alliance office. “Celebrating their 40th anniversary is a significant accomplishment and we’re extremely proud that Jan and Denny are members of our team.” Jan Thayer and Denny Whitehead have been working in the real estate industry for 56 combined years at RE/MAX, and

have proudly served over 2000+ customers and clients in their community. Among Jan and Denny’s list of achievements: They have earned the RE/MAX 100 Percent Club, Platinum Club, RE/MAX Hall of Fame, and RE/MAX Lifetime Achievement awards. Since 1996 Jan has finished the year in the top 5 percent of all RE/MAX agents and holds both the CRS (Certified Residential Specialist) and GRI (Graduate, REALTOR® Institute) designations. Denny is a former president of the Fort Collins Board of REALTORS®, a past REALTOR® of the Year recipient and holds the GRI designation. In addition, Jan Thayer has served on the Board of Directors for the Fort Collins Salvation Army and helped organize their

annual toy run. Denny Whitehead has been strongly involved in REALTOR® education, including serving as the Division Vice President of Education for the Colorado Association of REALTORS®.

feature exotic plants, rare and gorgeous flowers, extraordinary hardscaping, terraced landscapes and gardens that cleverly exemplify ways to implement water-wise and captivating plantings. Proceeds benefit the Whittier International School. Advance tickets are $15 for adults and teens, kids 12 and younger free (no dogs please). Tickets the day of the tour are $20 at the ticket booth located at 840 Mapleton Avenue in Boulder. For tickets and information, visit whittiergardentour.com. Longmont Symphony Orchestra Guild’s 41st Annual Festival of Flowers garden tour takes visitors through five outstanding gardens, June 8 - 9, 9 a.m. to 3 p.m. Support the orchestra while enjoying the blooms of the private, lovely gardens. Tickets are $12 and available from Symphony Guild members and area merchants. For more information and ticket purchasing locations, check out longmontsymphony.org. Boulder County Audubon and the Colorado Native Plant Society are hosting the Habitat Heroes Garden Party Tour Saturday, June 16, 8am - 12pm at various

gardens around Boulder County. If you’re passionate about pollinators and other denizens of the landscape, take this tour for ideas on how to make small or large changes that conserve water and supports birds, butterflies, and other arthropods. Each stop will explore a different aspect of what it takes to be a “Habitat Hero,” where the emphasis will be on native and climate adapted plants. For information, visit boulderaudubon.org/event/habitatheroes-garden-party-tour-save-thedate/. The 14th annual Loveland Garden Tour, June 23, 8 a.m. to 2 p.m. showcases private gardens in the Springs at Mariana in Loveland. The tour features art for the garden by regional artists and a silent auction of upcycled items suitable for outdoor spaces. Proceeds from the event benefit Loveland Youth Gardeners, a local nonprofit organization providing educational programs for youth ages 5-21 and fresh produce for low-income community residents. Advance tickets are $15 and purchase of the guide book is an additional $3; day of the event $18 for tickets only. Tickets available online at lovelandyouthgardeners.

org or call 970-669-7182. The Junior League of Fort Collins is sponsoring the 36th Annual Terrace and Garden Tour, June 23, 8 a.m. to 2 p.m. As the major fundraiser of the year, the garden tour supports programs such as the Junior League Career Closet, Lincoln Center Children’s Imagination Series, Done-InA-Day Projects and Kids in the Kitchen. Tickets are $20 but if you want the VIP treatment of food and beverage sampling during the tour, $35. Tickets can be purchased online at jlfortcollins. org. 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 Colorado State University 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.

Loveland Reporter-Herald – AtHomeColorado.com

About RE/MAX Alliance: RE/MAX Alliance is a locally owned and operated full-service real estate brokerage located in Fort Collins, CO. The brokerage has over 100 Realtors® and specializes in Residential and Commercial real estate. RE/MAX Alliance is a proud supporter of Children’s Miracle Network Hospitals®, Susan G. Komen®, and other charities, and is located at 4703-A Boardwalk Drive, Fort Collins, CO 80525. To learn more, please visit fortcollins. homesincolorado.com.

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REAL ESTATE TRANSACTIONS The following Loveland-area 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. Berthoud • Albert and Patricia Chamberlain — 307 Turner Ave., Gerald A. Everhart, $270,000. • Chlorissa Staley — 1740 N. Fourth St., Berthoud Habitat For Humanity, $312,000. • Zlatin and Larisa Kulichev — 2882 Tallgrass Lane, Richfield Homes LLC, $318,000. • Omar Alnachoukati — 1112 Little Branch Lane, Twin Pines Invest. Group LLC, $320,800. • Loretta Burns — 2872 Tallgrass Lane, Richfield Homes LLC, $336,800. • Kristi Kaufman — 2892 Tallgrass Lane, Richfield Homes LLC, $343,400. • Alexander Johnson — 2351 Nicholson St., Aspen View Homes LLC, $361,200. • Charles Pinckney — 1121 Jefferson Drive, Kerri H. Atkinson, $390,000. • Paul Demoulin — 525 Capitol Reef St., Saint Aubyn Homes LLC, $397,700. • Gerald Krueger — 507 Capitol Reef St., Saint Aubyn Homes LLC, $424,100. • Rodney Schleiger — 532 Mount Rainier St., Saint Aubyn Homes LLC, $446,100. • Natalie Kreutzer — 1200 Phipps Lane, Aspen View Homes LLC, $470,300. • David and Margaret Pomeroy — 4909 Gary Drive, Anthony and Dawn Mancina, $649,900. • Ryan Perry — 240 Goose Hollow Road, Geoffrey Biddulph, $815,000. Estes Park • Nathaniel and Shelby Mutzl — 205 Third St., James R. Enyeart, $265,000. • John and Julie Robinson — 680 Macgregor Ave., No. 22, Jerry and Debra Dignan, $310,000. • David and Darlene McCarthy — 1600 Wapiti Circle, Unit 29, Ronald and Mary Nickel, $449,900. • Michael and Alyssa McCoy — 955 Riverside Drive, Michael and Kristen Eitzen, $468,000. • Douglas and Linda Pennock — 12

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6630 U.S. 36, John and Marian Stencel, $830,000. • Kevin and Anastacia Galloway — 1034 Pine Knoll Drive, Ronald and Grace Hojnacki, $850,000. • Donald and Laura Orris — 3005 Grey Fox Drive, Richard A. Barlow Trust, $1,850,000. Fort Collins • Hayden and Nora May — 1601 W. Swallow Road, Apt. 2E, William and Ann Testerman, $150,000. • Janice Westlove — 4521 Quest Drive, William W. Knox Living Trust, $150,000. • Anthony and Diane Munk — 1705 Heatheridge Road, Unit O201, David and Heath Phillips, $161,000. • Justin Peters — 419 S. Impala Drive, Apt. A2, Jesse E. Duplissey, $168,000. • Nicholas Spencer — 1305 Kirkwood Drive, Apt. 108, Jeffrey Alan Ullrich, $194,700. • Kinzli Schroeder — 2960 W. Stuart St., Unit D202, Tanya M. Dudley, $197,000. • Carol Musick — 2924 Ross Drive, No. 23, Joshua Gagliardi, $200,000. • Kim and Shirlina Chan — 1640 Kirkwood Drive, Unit 2031, Sandra and John Allen, $215,000. • Danielle Greenup — 3531 Windmill Drive, Apt. S7, Theodore C. Kuck, $217,500. • Henry Medary — 801 E. Drake Road, Apt. 82, Courtney Maree Allen, $218,000. • Wayne and Kimberly Goodrich — 665 Brandt Circle, Janice A. Westlove, $218,000. • George Holter — 3517 S. Mason St., Michael A. Oman, $225,000. • Morgan and Colton Stpeter — 2828 Silverplume Drive, Apt. M5, Laurie Clark, $237,600. • Nickolas Hochwender — 1024 Oxford Lane, Unit 68, Michael and Vonborzestowski, $259,900. • James Choun — 2202 Whitetail Place, Nancy N. Choun, $280,000. • Constance Dedon — 1620 Heber Drive, Catherine Coduti, $280,000. • Daniel and Janet Williams — 1039 Berwick Court, Eric L. Thompson, $285,000. • Dayton and Esther Newbrough — 1627 Underhill Drive, Apt. 4, Joseph and Theresa Johnson, $308,500. • Linda Ripley — 826 Blondel St., Unit 103, Charles Brian Camp, $325,000. • Pete Schakel — 629 Brewer Drive, Corry D. Brown, $332,000.

• Kevin and Amy Edgar — 612 Republic Drive, Kenneth and Karen Morales, $338,000. • Brian and Christina Fabrizio — 3016 Eagle Drive, Summer Petrea, $345,000. • James Woodrum — 1005 W. Mountain Ave., Susan K. Ardelt, $350,000. • Shannon Regan — 4914 Brookfield Drive, Unit B, Morningside Village East Inc., $358,000. • Alan and Neil Braslau — 1636 Birmingham Drive, Elizabeth Ann Durnin, $360,000. • Robert and Cynthia Robinson — 2249 Ayrshire Drive, Erin Bird Ellis, $365,000. • Miriam Vinton — 1530 Bayberry Circle, Paul C. Bristow, $368,000. • Samuel Reich — 700 Duke Square, Jennifer Kay Klinger, $370,000. • Russell Baumann — 3112 Eagle Drive, Victoria L. Yarbrough, $371,000. • Lisa Summers — 1318 Green Gables Court, Sue E. Forehand, $382,000. • Harrison and Ingrid Bridge — 4124 Granby Court, Joseph and Mary Mcbride, $382,400. • Gayle and Sheila Robertson — 2800 Balmoral Drive, Michael and Kathleen Lacey, $385,000. • Richard Zobak — 4817 Springer Drive, Gilbert Boyer, $397,000. • James Slezak — 2232 Chesapeake Drive, Midtown Homes Storybook LLC, $413,500. • Adam and Carly Sanders — 2115 Lambic St., Hartford Constr. LLC, $414,900. • Nicholas Townsend — 1442 Salem St., Ricky and Cecile Bitting, $415,000. • Edward Kalitowski — 1707 Westchester Lane, Billy J. Bledsoe, $422,900. • Christina Smith — 5402 Golden Harvest Way, Donald and Lorraine Cecere, $425,000. • Lucas and Noelle Currell — 1706 Valley Forge Ave., Peter Christian Peterson, $427,000. • Wayne and Elisabeth Lewis — 2439 Adobe Drive, LC Home Spring Creek LLC, $428,600. • Allen Wallace — 2120 Creekwood Court, D. and Evelyn Tilley, $431,400. • Julie Fast — 1705 W. Vine Drive, White Sands Property, $435,000. • Zachary and Leah Jones — 2201 Ouray Court, Dannie and Deborah Nall, $447,000. • Kelly and Eric Drosihn — 1907 Rollingwood Drive, Joseph and Lori Larson, $448,000.

Loveland Reporter-Herald – AtHomeColorado.com

• Aimee and Stephen Phillips — 2312 Rollingwood Drive, David M. Henre, $450,000. • Vicki Grassman — 7203 Crooked Arrow Lane, Adelcia H. Rodrigues, $455,000. • Ian Bromell — 5102 Daylight Court, Kelly Smith, $460,000. • Susana Munoz — 2932 Stonehaven Drive, Nicholas Jon Rainsberger, $480,000. • Jaye and Heather Schlegel — 679 La Cruz Drive, Eduardo Rojo, $480,000. Greeley • Eliberio Chairez — 1011 Fourth Ave., Anthony and Lori Sanchez, $95,000. • Lucas and Ernestine Garza — 2990 W. C. St., Unit 63104, Linda A. Widick, $145,000. • Roman Melkumian — 3331 Apple Blossom Lane, Unit 4, Amanda L. Wells, $205,000. • William and Cierra Benich — 1211 23rd Ave., Victor Cruz Aviles, $234,900. • Joel and Kathy Kicnh — 1429 15th St., Ronald D. Vanbriggle, $237,000. • Kay Oo — 1812 26th St., Cody Carson, $250,000. • Mitchell Salankey — 408 E. 28th St. Road, 408 East 28th Street Road LLC, $251,500. • Richard Larson — 723 47th Ave. Court, Bradley and Angela Erickson, $265,000. • Charles McMartin — 1836 16th Ave., Judith E. Landry, $265,000. • Lani Carwin — 256 43rd Ave. Court, Nicole D. Brodie, $267,000. • Thomas and Christy Webster — 2610 21st Ave. Court, Scott and Kelly Leach, $270,000. • E. Jochim — 5600 W. Third St., No. 2G, Kenneth J. Price, $274,000. • Gary and Michele Roberts — 1801 26th Ave. Place, Robert Hod Soto, $289,500. • Salvador Dominguez — 824 E. 16th St., Ritha A. Swan, $295,000. • Bradley and Angela Erickson — 2231 27th Ave., Ronald and Sharon Eberhand, $310,000. • Juan Talamantes — 3015 43rd Ave. Court, C. C Invest LP, $317,800. • Judith Gonzales — 2025 74th Ave., Tammi L. Guerrero, $330,000. • Michael and a Faulkner — 1357 43rd Ave., Unit 20, Ronald and Donnie Lambden, $332,000. • Chad Sandoval — 1106 102nd Ave., Baessler Residential LLC, May 12-13, 2018


$332,300. • Fidel Sanchez — 2210 75th Ave., Aspen View Homes LLC, $343,300. • David and Aubree Wyperd — 2315 76th Ave. Court, Randall A. Hahn, $350,000. • Phu Vanpham — 7228 W. 21st St., Benson and Bethany Verbel, $369,900. • Trenton and Joelle Hegerhorst — 7801 21st St. Lane, Nathan and Candice Lichtenberg, $380,000. • Kory Fuller — 2149 74th Ave. Court, Aspen View Homes LLC, $399,900. • Robert and Angela Sommerfeld — 2440 W. 11th St., Miguel and Jennifer Inda, $425,000. • Russell Baker — 20504 County Road 54, Terry and Roberta Vider, $475,000. • Judith and Dana Landry — 1883 24th St., Lisa and David Botterill, $495,000. • Tracy Eckhardt — 3943 W. 16th St. Lane, Adolf and Lorita Wachsmann, $499,900. • Johnstown • Brandon and Kayla Moler — 21 S. Denver Ave., Grace Community Church, $270,000.

• Devin and Liliana McLeod — 3913 Balsawood Lane, Kory Ryan Scheideman, $317,500. • Troy and Tracey Sayler — 3967 Kenwood Circle, James and Nicole Lukensow, $365,000. • Shane Jones — 134 Saxony Road, Daniel and Susan Steffen, $397,500. • Ezekiel and Julie Darlingzarria — 1607 Pintail Court, John E. Turkington, $401,000. • Darlene Crosby — 2743 White Wing Road, Elijah and Tyler True, $404,300. • James and Nicole Lukensow — 4373 Lemon Grass Drive, Saint Aubyn Homes LLC, $471,800. Loveland • John Hartman — 220 12th St. SW, Suite 109, Aaron Schefter, $177,000. • David Bekkedahl — 994 Monroe Ave., Rachel Gigliotti, $200,000. • Jay Thomas — 2253 Evelyn Court, Karen S. Curtiss, $240,000. • Janelle Weyer — 4955 Hahns Peak Drive, Apt. 101, Kelli and Blas Estrada, $251,000. • Donald and Cheryl Howes — 162 Lori Drive, Jacob and Erika Gel-

wicks, $253,000. • Marvis Henry — 1000 W. Eisenhower Blvd., Apt. 10, Venita Vasquez, $265,000. • Peter and Dana Gogan — 1149 E. Fourth St., Apt. 101, Mary Stringer, $265,000. • Edith Costa — 1244 22nd St. SW, Melissa R. St. Clair, $268,500. • Edith Costa — 1244 22nd St. SW, Melissa R. St. Clair, $275,000. • Rachel Leavitt — 3041 Thorn Circle, Aspen Homes Colo. Inc., $279,700. • Brandi Walker — 611 E. Fifth St., Arthur and Holly Walker, $285,000. • Douglas Hale — 244 Shupe Circle, Dorothy M. Case, $308,000. • Mary White — 2157 Chancery Drive, David and Amanda Latchaw, $310,000. • Jaired Re — 1402 Tori Court, Timothy James W. Schissell, $310,000. • Kevin and Jennifer Keyser — 4008 Delcon Court, Robert H. Marx, $320,000. • Robert Brown — 343 Hawthorn Drive, Terry Dettmann, $322,000. • Thomas and Jodie Crites — 432 Mulberry Drive, McCluskey Family

Trust, $325,000. • Kenneth Lafon — 2375 Sopris Circle, Julie A. Bender, $330,000. • Mitchell Carr — 4049 Crawford Court, Karissa A. Washburn, $332,000. • Madeline and Samuel Noblett — 2302 Empire Ave., Elizabeth A. Wilson, $332,500. • Timothy Fenske — 1143 Cleveland Ave., Barry J. Floyd, $335,000. • Michael Buist — 4629 N. Franklin Ave., Richard and Glenna Massey, $344,000. • Marguerite Moneghan — 657 Colorado Ave., Janeva C. Spencer, $350,000. • Jacob and Erika Gelwicks — 611 Larch Place, Howard and Diane Farquhar, $350,000. • Garrett and Alexandria Stockton — 3180 Aries Drive, Century Millennium LLC, $350,000. • Melissa St. Clair — 919 Grant Ave., Brad P. Baird, $352,500. • Steven and Linda Nyman — 226 Harding Court, Wenhui Huang, $355,000. • Carey Ramirez — 2431 Trio Falls Drive, Towns Lakes LLC, $359,500. • Don and Nancy Armstrong — 341

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Open House Saturday 11-1pm

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384 Shadowbrook Dr, Windsor $325,000 • MLS# 848881 3 Beds • 2 Baths • 2 Car Garage Ranch style home built in 2016 located in SW Windsor near schools, shopping, dining, parks and more. Property is in great condition featuring many energy saving features

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Loveland Reporter-Herald – AtHomeColorado.com

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Green Teal Drive, Matthew and Tiffany Kent, $361,000. John and Donna Pacillo — 2433 Trio Falls Drive, Towns Lakes LLC, $362,300. Amy and Shawn Swope — 2469 Steamboat Springs St., Vladimir and Andonika Ndoja, $370,000. Valerie Schram — 1301 Cimmeron Drive, Ronald and Mary Albers, $373,500. Chris Brown — 435 Scenic Drive, Anthony and Stephanie Bonifay, $390,000. Jeff and Jennifer Nelson — 3705 Panther Drive, Jessica J. Stimmel, $406,000. Michelle Alcock — 5125 Coral Burst Circle, R. and Penny Mason, $410,000. Phillip and Leigh Turchen — 3877 Crestone Drive, Earl and Earlene Knox, $410,000. Cynthia Murphy — 3350 Oberon Drive, Sharon Lafferty, $415,000. Jorden and Chelsea Santeramo — 775 Callisto Drive, Lane and Rebecca Walter, $420,000. Richard and Sharon Darsky — 3904 Adine Court, Savant Homes Inc., $422,000.

• •

• Jay and Amy Roup — 2371 Buckingham Circle, Daniel and Diane Hintz, $430,000. • Richard and Glenna Massey — 6354 Sablewood Drive, Robert and Deanna Holt, $447,500. • Steven and Martha Hammes — 2944 9th Place Court SW, Troy and Linda Gattis, $450,000. • Thomas Smith — 1012 Jay Court, Douglas Roselyn George 2, $460,000. • Scott and Lori Dodds — 1450 New Mexico St., Jacob and Katherine Vincent, $465,000. • Daniel and Susan Steffen — 4875 Apricot Drive, Christine Deana Andrus, $507,200. • Randall and Diana Gray — 819 Imperial Court, Weinland Homes Inc., $508,200. Robert Weston — 622 Split Rock Drive, Brett P. Hunter, $540,000. Windsor • John Larson — 7352 Greenridge Road, No. B25, Daniel and Sherry Johnston, $121,000. • Tarryn and Michael Farrell — 6091 Last Pointe Court, Hammersmith Structures LLC, $215,000.

• Lydia and Matthew Battaglia — 22 Elm St., Bradley R. Hoopes, $285,000. • Nancee Deason — 2177 Cape Hatteras Drive, No. 26, Leslie L. Davis, $285,000. • Joseph Miles — 13 Rose St., Patrick and Ronald Dunagan, $300,000. • Matthew and Mariah Henkel — 362 Chipman Drive, Sarah Denali, $320,500. • Charles Creech — 400 Tuckaway Court, Mikelle C. Rogers, $328,000. • Hunter and Kathryn Wilson — 363 Chipman Drive, Marian Stetson, $330,000. • Colby Cochran — 5546 Osbourne Drive, Saint Aubyn Homes LLC, $330,600. • Nathan and Candice Lichtenberg — 521 Wood Drive, Brent M. Skoryi, $340,000. • Marek and Danielle Ziebinski — 5496 Osbourne Drive, Saint Aubyn Homes LLC, $351,700. • Michael and Nita Wiese — 5534 Osbourne Drive, Saint Aubyn Homes LLC, $354,800. • Frank and Karen Campan-

783 Deer Meadow Dr, Loveland

Stunning Aspen Homes ranch in Masters Collection at Mariana Butte across from golf course. Perfect for entertaining. Luxurious master w/5pc & lg WIC. Mudrm off garage. Stds: granite, hardwd, SS apps, double oven, A/C, FP. Highly energy eff-among best in biz. Covered porch & patio.

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Call Matt today at 720-310-0641 or e-mail mflood@coloradoboxoffice.com FESTIVALS // CONCERTS // ART // THEATER // FOOD + DRINK

14

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ella Green — 5408 Osbourne Drive, Saint Aubyn Homes LLC, $355,900. James Blok — 1548 Taplow Drive, Melody Homes Inc., $363,000. Natalie Antonelli — 5347 Promontory Circle, Bradburn and Phyllis Endo, $380,000. Andrew Scales — 5263 Carmon Drive, Saint Aubyn Homes LLC, $410,200. William Umpleby — 1755 Dolores River Drive, Carlos and Sara Hernandez, $465,000. Rocky and Stacey Samuels — 641 Denali Court, Robert and Sharon Grover, $475,000. Barbara Hoffman — 1539 Sandy Lane, Harbor Walk Patio Homes LLC, $513,900. Charles and Valerie Barto — 5220 Hialeah Drive, Lifestyle Custom Homes LLC, $550,000. Karl and Jovi Tarango — 1516 Pintail Bay, James and Rebecca Raque, $555,000. William Thompson — 7018 Aladar Drive, Bryon D. Jones, $598,500.

1061 Champion Cir, Longmont

Low maintenance living at its best! Beautiful patio home in desirable Champion Greens. Vaulted ceilings for bright, inviting flr plan. Attention to detail. Beautifully updated kitchen. Cozy living rm w/ FP.Built-in bookcases.Master w/5pc.Bd & ba fin in bsmt w/unfin storage space.

$507,000 | MLS #824833

$485,000 | MLS #847054

Call Dennis Schick

Call Dennis Schick

970-567-3942 dschick001@outlook.com

970-567-3942 dschick001@outlook.com

1149 Coral Burst Dr, Loveland

Custom plan by Hawkstone Builders. UF walk-out bsmt. Features hardwood, granite in kitchen & baths, fireplace, alder Tharp cabinetry, SS appliance pkg, gas cooktop, double ovens, fridge, tankless H20 heater, A/C, deck, lower patio, 3 car garage, covered porch. $610,000 | MLS #836303

Call Dennis Schick

970-567-3942 dschick001@outlook.com

Thinking of buying? Talk to our loan officer with Home Mortgage Alliance to apply today!

Tammy Kauffman

Mortgage Loan Originator NMLS #664512 750 W. Eisenhower Blvd. Loveland, CO 80537 970.613.4850 office 970.237.9215 mobile 844.714.4800 fax

tkauffman@homemortgagealliance.com | www.tammykauffman.com Home Mortgage Alliance, LLC is a registered as a Colorado Mortgage Company and a sponsored originator authorized to broker FHA and VA loans. NMLS# 1137507. Home Mortgage Alliance, LLC is regulated by the Colorado Department of Real Estate, and offers many loan products. Contact a Home Mortgage Alliance, LLC Representative to learn more. This is not a commitment to lend. Stearns Lending, Inc. is regulated by the Colorado Division of Real Estate. NMLS# 1854.

RE/MAX Alliance  Each office independently owned & operated  Five Northern Colorado locations to serve you. 4703 A Boardwalk Dr, Fort Collins | 226-3990 125 S. Howes St, Ste 120, Fort Collins | 482-1781 750 W Eisenhower, Loveland | 669-1234 1275 58th Ave, Ste A, Greeley | 330-5000

Loveland Reporter-Herald – AtHomeColorado.com

May 12-13, 2018


Real Estate place yoUr ad:

Real Estate

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

Rentals

Open Houses Light, bright remodeler’s dream on quiet cul-de-sac 1 blk from Lake Loveland. 3 bdrm, 2 bath ranch, huge kitchen, fireplace. 1605 Abeyta Ct. Loveland. $299,705 as is. Open 1-4pm May 3-6. Accepting offers thru 5pm May 6. Realtors welcome. 713-417-1498. Open 1-4pm May 3-6. Light and bright remodeler’s dream on quiet cul-de-sac 1 blk from Lake Loveland. 3 bdrm, 2 bath ranch, huge kitchen, fireplace, lots of windows. $299,705 as is. Accepting offers thru 5pm May 6. Realtors welcome. 713-417-1498.

Call or Text ERA Tradewind

303-775-0710 www.DevinSells.com

Foothills Apartments 2BR 1BA Units in Loveland: Washer/Dryer in Unit. $1045/month for Upper Level Units; $1145 for Downstairs Units. Water, Sewer, Trash included. No Pets. 1 Year Lease. Available No w.

970-669-7850

List your house and start packing.

Tired of paying Rent?

$75, 5 lines, 30 Western Plains Realty days. Ken or Tammy To place your 970 663-5008 ad, call westernplainsre.com 303-466-3636 or PLACE 970-635-3650 YOUR AD FrontRangeClassifieds. com

VWXII

2 Parking Spaces Wanted: $30 per month, OBO Vacant Field or Back Lot Okay

Items less than $500:

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

$10, 5 lines, 30 days

307-212-1323

Wanted to Rent: We can help you buy w/$1000 down

Or visit

Quiet Furnished 1BR in North Loveland Townhome: Shared Bathroom Kitchen & Laundry. No Drugs. No Pets. No Smoking. $650/month + deposit. 720-235-2773

Rental Wanted 2 Bed 1.75 Bath at Villas On the Green, Cattail Creek Golf Course: 2 Car Garage, W/D, A/C, Gas Fireplace,1546 sq ft, Full Unfinished Basement, Large Deck. Great Location! $1750/month + deposit. No Smoking. No Pets. 970-290-9619

sell your

/LVW \RXU VWXII DQG JHW LW JRQH

Room for Rent! Furnished, no pets in loveland $700/mo available 6/1 Call: 970-592-8193

Water Mineral

SELL YOUR HOUSE

Rent to Own! Home of Your Choice Do you Qualify? Devin O’Branagan

Free Residential Home Inspection. Pay Only for Code Violations Uncovered. 970-587-5439

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

PAGE 15R - SATURDAY, MAY 12, 2018 -

Call 303-466-3636 or 970-635-3650.

68 Year Old Retired Male Seeks Longterm Space to Rent for 5th Wheel Trailer

thru October 2018.

Call 970-403-4076 EMPTY YOUR GARAGE Have a Garage Sale this week. Call 303-466-3636, 970-635-3650, 719-275-5300 or 888-355-0935

Private party and general merchandise only; not for commercial/business accounts. Excludes cars, homes and pets. No refund for early cancellation.


make

yourself atHome. AtHomeColorado.com is home to the Front Range’s most current MLS listings – updated every hour, powered by ColoProperty.com and served up via an easy-to-use search tool. Explore available properties, stay up-to-date on the latest developments and real estate news, get directions to open houses and connect with listing agents instantly from the comfort of your computer and/or mobile device.

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Loveland Reporter-Herald – AtHomeColorado.com

AtHomeColorado.com May 12-13, 2018

At Home Colorado - Northern Colorado Edition 05.12.18  

Colorado Home and Real Estate

At Home Colorado - Northern Colorado Edition 05.12.18  

Colorado Home and Real Estate