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How to make

APPROACHABLE INTERIOR UPGRADES 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.

January 12-13, 2019

Home improvements that are worth the splurge (and when it’s best to scrimp)

Resources for federal workers who can’t make mortgage or rent

Sticking to a remodeling budget is a matter of knowing where to put your money.

If the government shutdown hits you in the pocketbook, there are some helpful resources.

Loveland Reporter-Herald – AtHomeColorado.com

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atHome

HOME IMPROVEMENT

Romance is the Legacy of David Austin

COLORADO HOME AND REAL ESTATE

our long, cold, mountain winters.

Most are USDA zone 5 hardy.”

ATHOMECOLORADO.COM CONTRIBUTING WRITERS

Jenna Schuster Paul F. P. Pogue

Ed Del Grande Suzanne Plewes Ilyce Glink Samuel J. Tamkin

ADDITIONAL CONTENT Tribune News Service Brandpoint Content 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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English Roses are a beautiful and fragrant addition to any garden. (Shutterstock)

Near the close of the year, an icon slipped quietly away, leaving behind

BY CAROL a legacy O’MEARA of beauty Colorado State the likes of University Extension which few in horticulture will surpass. The death of David Charles Henshaw Austin, 92, on December 18 was the closing of a life spent breeding a line of roses that sparks the romantic in all of us.

David Austin created English Roses, the fragrant, multi-petalled flowers that few can resist stopping to smell. Their gorgeous hues and come-hither scent enchant experts and novices alike, but, like the gentleman behind the flower, are down to earth.

“They’re beautiful, fragrant, and easy to grow; that has a lot to do with their popularity,” says Mary Kirby, Master Rosarian with the Denver Rose Society.

“People just love them. The conditions in my yard aren’t great but I’ve never lost one.”

What sets the Austins apart from other shrubs are their point of origin, England, and their hybridizer, David Austin. All of the Austins currently on the market are the result of the vision of one man; it was his lifetime of

work to combine old roses and fragrance into modern hybrids.

Shrubs, climbers, ramblers, and tree-types make up the family of Austin English Roses, all of which seduce the gardener with perfume. They’re at home in most locations, although you should consider keeping them close to where you can enjoy their scent.

“I grow them because I love fragrance in my garden, and the Austin Hybrids have a wide range of fragrances - damask rose, clove, citrus, peaches, myrrh and more,” said Carol Macon, Master Consulting Rosarian with the Denver Rose Society. “They’re very versatile; there are Austins that can be grown as hedges, pillar roses and climbers, those that are suitable for very small spaces, and everything in-between.

Also, the more recent of the Austin introductions are disease resistant. I don’t spray pesticides of any kind, so disease resistance is important to me.”

Macon said that most Austins respond well to our Front Range climate; they love our many days of sunshine. But she cautioned “not all of the Austins work here primarily because of hardiness issues. They are bred in a relatively mild English climate with a longer growing season; therefore, a few of them are not hardy enough to make it through

Loveland Reporter-Herald – AtHomeColorado.com

Austin varieties with a great many petals may tend to ball, and some of them have nodding heads, which may not appeal, so it is best to do some research before you buy. The most popular Austin varieties are generally the best ones for this area, Macon said.

Kirby, who manages the Denver Rose Society social media (visit them on Facebook or Instagram) recommends Heritage, a pink rose, Lilian (salmon-pink), or Queen Nefertiti (apricot-pink).

She’ll be highlighting a different Austin rose each month on their Facebook page to honor their creator.

Macon loves Abraham Darby (peach-pink), Golden Celebration (gold), and Graham Thomas, one of the most popular of the Austin roses and 2009 World Federation of Rose Society’s Favorite Rose.

Planted in a sunny spot with protection from the north and west, Graham Thomas produces butter-yellow flowers.

In spring, plant them in full sun with a three-inch layer of mulch.

Macon suggests top dressing with Mile Hi Rose Food and watering two to three inches of water a week. Then be patient as they take three to four years to mature to full production; during this time keep pruning to a minimum by only removing dead wood.

Pruning established Austins may vary based on the type and cultivar; some are fussy while others don’t mind a haircut. Talk with a rosarian to learn what works best for your Austin rose (denverrosesociety.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.

January 12-13, 2019

How to make

APPROACHABLE INTERIOR UPGRADES

COVERPROFILE

Above: An outdated kitchen. (Design Recipes/TNS) Left: The same kitchen after repainting the cabinet fronts and adding new hardware. (Design Recipes/TNS)

going to visit model homes, retail showrooms or perusing magazines and online sources, research will go a long way to help maintain focus and clarity for your project goals.

APPROACHABLE INTERIOR UPGRADES KITCHENS

By Cathy Hobbs, Tribune News Service (TNS)

UÊ Repaint existing cabinets and or replace hardware.

Looking for ways to have your home look and feel different and refreshed in the new year? If the cost and prospect of an extensive renovation is undesirable, consider taking on smaller projects that can give your home a new look on a budget.

UÊ Add porcelain ceramic tile. Porcelain tile comes in different patterns and grades and is an affordable alternative to stone.

Consider vinyl tile for a more budgetfriendly option. Select a tile that is groutable for a more realistic look.

GETTING STARTED

UÊ Replace a countertop. This can help make a kitchen feel refreshed. Consider a durable quartz or sealable surface. An attractive laminate can be a desirable choice on a budget.

First and foremost, have a budget. Decide how much money you can allocate as renovation dollars.

DETERMINE NEEDS VS. WANTS Before you splurge, first determine what design or functionality needs you wish to accomplish through your upgrades.

RESEARCH AND PLAN Before you purchase any materials or appliances, do your research. Whether it’s January 12-13, 2019

BATHROOMS

UÊ Replace a sink. This can serve as an instant and affordable refresher.

UÊ Replace faucet fixtures. An affordable design fix can often be achieved by replacing faucets and handles. Go a step Loveland Reporter-Herald – AtHomeColorado.com

further and replace showerheads as well.

UÊ Replace a toilet. Ask any home flipper and they’ll admit this is one key, affordable way to refresh a bathroom.

OTHER PARTS OF THE HOME

UÊ Add hardwood flooring. Many homeowners prefer hardwood flooring.

In many instances, flooring can be installed in a day. Pre-engineered flooring can be a durable and budget-friendly option.

UÊ Repaint. Whether an accent wall or entire rooms, a fresh coat of paint can breathe new life into tired, worn spaces.

UÊ Add an affordable architectural feature.

From molding and trim, chair railing to wainscoting, these decorative features can invigorate a space without breaking the bank.

——— Cathy Hobbs, based in New York City, is an Emmy Award-winning 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 www.cathyhobbs.com .

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OPEN HOUSES THIS WEEKEND

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4 bdrm, 3 bath 2-story with 2 car attached garage.

It’s conveniently located 1/2 blk from Estrella Park & minutes from Lake Loveland Main level boasts formal living room, dining room & family room. All bedrooms on upper level. Preinspected and includes a home warranty.

$315,000 MLS# 869157 Diana Luthi 970-481-2692

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SAT & SUN 12-5 3139 CRUX DR. LOVELAND

Visit model home at 602 Conestoga Dr. Ranch style with 3BD 2BA 1,610 sf ranch. Open floorplan has awesome 3 BD, 2 BA & 1,288 sf of living space is built by Baessler.

Kitchen has granite, walk-in pantry & SS appliances. Dining kitchen with granite & island, wood laminate flooring, master Room opens to covered patio. Main floor laundry, full suite with private bath & large walk-in closet. Great location unfinished bsmt, 3 car garage & front landscaping.

$375,000 MLS# 868973

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HARMONY OFFICE 970.229.0700

HORSETOOTH OFFICE 970.223.0700

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Loveland Reporter-Herald – AtHomeColorado.com

970.663.0700

January 12-13, 2019

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REAL ESTATE MATTERS

To fix up and sell, or not to fix up and sell

By Ilyce Glink and Samuel J. Tamkin, Tribune Content Agency

Q

: Our sister recently passed away, leaving the family home that Mom left her six years ago. She had no will and left outstanding debts, as well as back taxes owed.

The house is in bad shape and not in a very good neighborhood.

Should we spend a lot of money to repair the property to get it up to code and then try to sell it? Should we try to sell as-is to a company that buys houses or just walk away?

All eight of us have different ideas, so we need to know what we can do.

A

: On the one side you have the ownership of the home, and on the other you have the issue of your sister’s estate and the debts she owed. Let’s start with the home.

We’re a bit perplexed as to whether

your sister owned the home in her own name or whether she owned the home jointly with other family members.

When you own a property in your own name, title passes to surviving family members by the terms of that person’s will or, if there is no will, as provided by the laws of the state in which the property is located. You wrote that your sister had no will, but if she owned the home jointly with you, a friend or other family members, that person (or all of the people named as joint owners) would become owners of the home. The concept to research is whether she owned the home in joint tenancy with rights of survivorship.

However, if your sister owned the home alone and had no will, title to the home would have to be probated. That means you have to open a case with the probate court, submit paperwork and have the court order that the property transfer to the persons entitled to the home under state law. The persons most likely entitled to the home would be the surviving children, siblings and spouse. (How that happens is generally governed by state law.)

Given that we don’t know who owns the home, it’s hard to determine what you should do.

If we assume that you ended up owning the home and have the ability to sell it, then you have to decide what to do. If you’ve ended up with title to the home, we also have to assume that you are not responsible for any of her debts.

If the property has liens attached to it, then those must be settled before you can close on the sale.

If there are back taxes owed, you should immediately discuss it with a real estate attorney. If the property has been sold to an investor, then the clock is ticking for you to pay back the outstanding debt plus interest.

In any case, getting some professional advice will be helpful.

A good real estate broker should be able to tell you if it’s worth fixing up the home or if you should sell it in as-is condition.

A couple of months ago, friends of Sam’s were selling their home.

The husband thought the home would be torn down. The wife thought that putting some money into it would help get them a better price. The broker they ultimately selected told them to take out their

stuff from the home to clean it, paint the walls a light grey, put in a couple of new light fixtures and light switches, fix a couple of issues, and then put some staged furniture in the home.

It took about three months for the property to be cleaned out and about $12,000 of work to be completed, but they received an offer close to their listing price within two weeks of listing the property for sale, about 30 percent more than the husband thought the home was worth.

We’re not saying you’ll get a 30 percent premium if you decide to improve the property before you sell, but unless you talk with qualified professionals, you’ll never know.

(Ilyce Glink is the author of “100 Questions Every First-Time Home Buyer Should Ask” (4th Edition). She is also the CEO of Best Money Moves, an app that employers provide to employees to measure and dial down financial stress. Samuel J. Tamkin is a Chicago-based real estate attorney.

Contact Ilyce and Sam through her website, ThinkGlink.com.) ©2018 Ilyce R. Glink And Samuel J. Tamkin. Distributed By Tribune Content Agency, LLC.

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OPEN SUNDAY JANUARY 13TH, 1-3PM 714 Jay Avenue, Johnstown $495,000 4 bedroom • 3 bath • 3912 sq ft Prime Cape Cod in Sunrise Ridge overlooking open space. Large foyer leads to the stately formal living room w beautiful custom fireplace & built ins. Exquisite period detail effortlessly combined throughout. Separate formal dining room off kitchen features pocket door for privacy. Large master suite w updated bathroom, bonus loft, and useful hobby room in bsmt. Enjoy breathtaking views from the back deck. This property is grand for entertaining & intimate for friends & family. Sauna included!

Jamie Goodvin Broker Associate/Realtor Office: (970) 408-0553 • Mobile: (970) 324-4748 jgoodvin@remax.net • www.infinityhomefinder.com

LIST YOUR OPEN HOUSE 6

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

January 12-13, 2019

QUICK GUIDE

OPEN HOUSE

OPENHOMES.ATHOMECOLORADO.COM Ault 690 Cimarron Trl $317,503 Saturday 12:00 AM-5:00 PM Sara Horner The Group Inc (970) 443-8556

Black Hawk 251 Church St $488,000 Sunday 11:00 AM-3:00 PM Jackie Jones RE/MAX Alliance (303) 952-3068

Dacono ADDR: 3872 Kestrel Rd $759,900 Saturday 1:00 PM-3:00 PM, Sunday 1:00 PM-3:00 PM Debbie Patridge Sears Real Estate (303) 601-1330

Erie 1317 St John St $550,000 Sunday 11:00 AM-1:00 PM Paula King Kentwood Real Estate (303) 601-2880

Frederick 5402 Fox Run Blvd. $389,900 Saturday 11:00 AM-1:00 PM Janet Borchert WK Real Estate (720) 564-6034

Gunbarrel 4865 Old Post Circle $615,000 Sunday 1:00 PM-3:00 PM Kelly Atteridg Patrick Dolan (303) 817-0138

Lafayette

400 E Elm St

4620 Lucca Dr

1713 Dove Creek Cir

$720,000 Saturday & Sunday 12:00 PM-2:00 PM Jim Thomas RE/MAX Alliance (303) 543-0625

$529,900 Saturday 12:00 PM-2:00 PM Pam Gonacha Berkshire Hathaway (303) 324-9600

$285,000 Sunday 1:00 PM-3:00 PM Chresa Anderson C3 Real Estate Solutions (970) 310-3091

Longmont

1834 Wasach Drive

1972 Big Sandy Place

$699,950 Saturday 11:00 AM-1:00 PM Chris Haught WK Real Estate (303) 947-4074

$315,000 Saturday 11:00 AM-1:00 PM Diana Luthi The Group Inc (970) 481-2692

957 Neon Forest Cir

1972 Big Sandy Place

1703 Whitehall Dr 3-E $314,900 Sunday 1:00 PM-3:00 PM Amy Darcy RE/MAX Alliance (303) 725-3756

1227 Judson Street $325,000 Saturday 12:30 PM-2:30 PM Debbie Haubert WK Real Estate (303) 588-2128

2445 Sunset Dr $349,000 Saturday & Sunday 11:00 AM-2:00 PM Joel Thompson RE/MAX Alliance (303) 877-0060

1440 Moonlight Dr High $400,000’s Thursday - Sunday 12:00 PM-4:00 PM Stan Meade Pedal To Properties (303) 817-7777

$410,000 Saturday 12:00 PM-2:00 PM Tom Pringle RE/MAX Alliance (303) 921-2668

$899,000 Saturday 11:00 AM-1:00 PM Portia Husted WK Real Estate (303) 868-3558

Louisville 838 West Willow St $550,000 Saturday & Sunday 1:00 PM-3:00 PM Terry Crook Equity Colorado-Front Range (303) 819-0886

$599,900 Sunday 12:00 PM-3:00 PM Maria Scroggs Colorado Landmark (303) 345-3359

1396 Snowberry Lane - Model Home

1704 Short Pl $419,000 Saturday 11:00 AM-1:00 PM Suzy Williamson RE/MAX Alliance (720) 491-9885

4003 Da Vinci Drive

$585,000 Saturday 11:00 AM-2:00 PM Erik Boye 8z Real Estate (303) 931-4051

$425,000 Sunday 12:00 PM-2:00 PM Mike Moger WK Real Estate (303) 859-4467

315 Lodgewood Lane

28 Curtis Place

$585,000 Sunday 12:00 PM-2:00 PM Erik Boye 8z Real Estate (303) 931-4051

$425,000 Sunday 11:30 AM-1:30 PM Dale Pearson RE/MAX of Boulder (303) 818-5640

January 12-13, 2019

6747 Snead Court

1011 Harper Street

2339 Santa Fe Dr

315 Lodgewood Lane

LIST YOUR OPEN HOUSE

$875,000 Saturday 2:00 PM-4:00 PM Suzy Williamson RE/MAX Alliance (720) 491-9885

$600K’s+ Friday - Monday 11:00 AM-5:00 PM Michele Steward Markel Homes (303) 604-9196

550 West Willow Court Low $900’s Saturday 12:00 PM-3:00 PM Maria Scroggs Colorado Landmark (303) 345-3359

Loveland 1713 Dove Creek Cir $285,000 Saturday 12:00 PM-3:00 PM Chresa Anderson C3 Real Estate Solutions (970) 310-3091

$315,000 Sunday 11:00 AM-1:00 PM Diana Luthi The Group Inc (970) 481-2692

3139 Crux Dr $344,950 Saturday & Sunday 12:00 PM-5:00 PM Matt Nesbitt The Group Inc (970) 690-7155

2208 Estrella Ave $375,000 Saturday 12:00 PM-2:00 PM Jay Roup The Group Inc (970) 461-7136

533 Deer Meadow Dr $551,535 Saturday & Sunday 1:00 PM-3:00 PM Dennis Schick RE/MAX Alliance - Fort Collins (970) 567-3942

4805 Mariana Hills Circle New Homes From The $600’s to $700’s Saturday & Sunday 11:00 AM-4:00 PM Rollin Goering LC Home (970) 402-6432

Superior 2750 Calmante Circle $889,000 Saturday 1:00 AM-3:00 PM Karen Bernardi The Bernardi Group at Coldwell Banker (303) 402-6000

2798 Calmante Circle $899,000 Saturday 12:00 PM-3:00 PM Barry Remington WK Real Estate (720) 373-9297

VISIT OPENHOMES.ATHOMECOLORADO.COM OR CALL 303.473.1456, 303.684.5329 Loveland Reporter-Herald – AtHomeColorado.com

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7

REAL ESTATE

Government shutdown: Resources for federal workers who can’t make mortgage or rent

By Deborah Kearns, Bankrate.com (TNS) As the government shutdown grinds into its third week, more than 800,000 federal employees and 4.1 million federal contractors are caught in the crosshairs. Federal workers will go without paychecks beginning Jan. 11.

Some of these unpaid employees are nervous about their finances, particularly being able to make their monthly rent or mortgage payment on time. That’s not surprising considering a recent Bankrate.com survey found that 23 percent of Americans have no emergency savings in the bank. Before we cover what specific lenders are doing for these federal employees, here’s some advice for anyone who is having trouble paying their basic bills.

Steps to take if you’re at risk of falling behind on mortgage or rent — If you don’t have any emergency savings or enough of a cushion to get by, here are other options to consider to keep the roof over your head.

Talk to your landlord or lender ASAP. Don’t wait until you’re behind on payments. Lenders may work with you to waive late fees, set up a repayment plan or offer loan forbearance. The

key is to explain the situation, says Jeff Cronrod, a founder and board member of the American Apartment Owners Association, one of the nation’s largest residential landlord associations in the U.S. representing 100,000 property owners.

“Not all landlords are rich; they rely on those rent payments to cover their mortgages and property costs,” Cronrod says. “They understand this situation isn’t the tenants’ fault.”

— Cut all unnecessary spending and talk to your creditors. Account for every dollar going out. Look at canceling subscription services, recurring home maintenance services and vacation travel — at least until the shutdown (or your own cash crunch) is over. Learn about other ways to cut back on spending and how to create a budget. Additionally, monitor account balances and, if necessary, pay only the minimum on credit balances until your income is restored, says Mark Hamrick, Bankrate.com senior economic analyst. The Office of Personnel Management posted sample letters on its website that impacted employees can use to ask creditors for leniency on bill deadlines.

“Call and speak with creditors, such as auto loan providers or utilities, to see if they have

flexibility on payments for temporary hardship cases,” Hamrick says. “While they will not likely forgive the debt, some creditors might be willing to allow a delay in payment.”

You’ll still owe the money, but it might not be owed immediately — and that can improve nearterm cash flow to pay for immediate basic needs, such as rent or mortgage, Hamrick adds.

— Explore short-term, low-interest direct deposit loans. Some institutions are offering “furlough” loans for clients who have their paychecks deposited directly into a checking or savings account. These loans don’t require credit checks and are often for a limited amount at a low interest rate. Contact your bank or credit union directly to inquire whether this is an option.

— Tap an open home equity line of credit, or HELOC. If you already have a HELOC and are still in the draw period, you could pull out cash from your available line to make your mortgage payment. The average interest rate for a HELOC is 6.52 percent and 5.88 percent for a home equity loan, according to Bankrate.com data.

That’s much lower than the average interest rate on credit cards at 17 percent or more.

— Be cautious about using credit cards or

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Super clean, well maintained home. 3 spacious bedrooms, and 3 baths. Large living room with gas log fireplace perfect for the cool weather. All appliances included PLUS Water & sewer are paid by HOA!

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8

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Loveland Reporter-Herald – AtHomeColorado.com

January 12-13, 2019

draw period, you could pull out cash from your available line to make your mortgage payment. The average interest rate for a HELOC is 6.52 percent and 5.88 percent for a home equity loan, according to Bankrate.com data. That’s much lower than the average interest rate on credit cards at 17 percent or more.

— Be cautious about using credit cards or borrowing from retirement and 401(k) accounts. If you’ve exhausted all other options, paying for your rent, mortgage or other bills with a credit card can get you by if it’s an accepted form of payment. However, you don’t want to rely too heavily on credit cards because you’ll pay much higher interest rates than other forms of borrowing, making credit cards harder to pay off as interest piles on.

You may need to turn to your long-term savings and investments for emergency cash. However, you should do so with extreme care. Roth IRA holders may withdraw their own contributions — not earnings — without tax or penalty. But traditional IRA holders will pay income taxes and a 10 percent penalty on the taxable amount if you’re under age 59 1/2.

The IRS reports that 401(k) holders can borrow up to half of their account balance (a maximum of $50,000) taxfree, but funds must be repaid within five years in most cases. The catch is that you have to stay with your current employer for the duration. If you lose your job, you’ll have 30 to 60 days to repay the loan or face penalties.

Since these options can severely disrupt your retirement plans, consider them as a last resort. Before pulling funds from any long-term investment, read the fine print and consult your tax adviser.

Mortgage lenders and financial institutions offer relief Some of the nation’s largest mortgage lenders and credit unions are offering assistance programs to clients impacted by the shutdown. Here’s a look at some of them.

Fed Choice Federal Credit Union lists several relief options for mortgage and banking clients online, including short-term, low-interest furlough loans and mortgage refinancing options. Visit the credit union’s website for more information.

USAA is offering a low-interest, direct deposit loan to members who are active duty Coast Guard and National Oceanic Atmospheric Administration, or NOAA, employees only. Call (800) 531-8722 for assistance.

Navy Federal Credit Union is offering a zero-percent APR loan up to $6,000 January 12-13, 2019

during the government shutdown. The assistance is open to federal government employees and active duty members of the Coast Guard whose pay has been disrupted by the shutdown, and have an established direct deposit account.

You can register on Navy Federal’s website, in branches or by phone at (888) 842-6328. Members impacted by the shutdown who don’t meet the eligibility requirements should visit a branch or call to discuss their situation.

Bank of America advises its mortgage clients to call its assistance line at (844) 219-0690 or visit one of its branches to inquire about the Client Assistance Program, says spokesman Lawrence Grayson.

“We’re closely monitoring the situation and will work with clients on a case-by-case basis,” Grayson says.

“Relief options may include late fee refunds or waivers, repayment plans or loan modifications.”

Quicken Loans is waiving all late fees for clients who may miss a mortgage payment due to the shutdown. For help call (800) 508-0944 or email Help@ QuickenLoans.com. Here’s part of their emailed statement: “During the government shutdown, just like every day, we are fully prepared to accommodate each clients’ unique situation — especially those that may be dealing with any financial hardship — to help them through a period of uncertainty.”

U.S. Bank says it will assist customers who may be eligible for mortgage relief programs, including loan forbearance and deferred first payment dates for new mortgages. Payment plans may also be available for those who qualify, says spokeswoman Cheryl Leamon. For more information, call the U.S. Bank mortgage customer service line at (800) 365-7772.

Wells Fargo is offering forbearance or other payment assistance programs to its mortgage clients on a case-by-case basis. Call (888) 818-9147 or visit Wells Fargo’s website for more details.

If your loan servicer isn’t on this list, call your lender directly to find out what assistance options are available.

Your current loan servicer may not be the lender that closed your loan; home loans are often resold on the secondary mortgage market to other companies after closing. Check your most recent mortgage statement to find the name and contact information of your loan servicer.

Author’s note: Are you a federal worker or contractor who’s being impacted by the shutdown? Email deborah.kearns@bankrate.com to share your story.

Visit Bankrate online at bankrate.com

REAL ESTATE Q&A

How to find the best house for you

The internet is a great resource for finding a local real estate agent. (Shutterstock)

By Gary M. Singer, Sun Sentinel (TNS)

Q

: With the new year upon us, my partner and I want to buy our first home. Do you have any advice on how to find the best house at the best price? — Anne

A

: There no such thing as “the best” house, there is only the best house for the two of you. As with most things in life, proper preparation is the key. Get together and first decide where you want to live. For example, if there are kids in the picture, a good school district is important but tends to raise prices, so you may want to avoid that area if schools are not a priority.

You should not feel stuck in the same neighborhood you live in now, unless you love it there. After this, you should each make a separate list of the five features of your new home that are most important to you. Your partner may prioritize a garage while you want a swimming pool.

Now it’s time to find a real estate agent. Real estate is very local, and you will want an agent who is experienced in the neighborhoods you are looking in. The internet can be an excellent resource for this, as can your local board of Realtors. Interview a few agents to find one that you mesh with and who has experience in the particular area you are looking for. Show your new agent the list of features you both want and ask to see homes that check off most of the boxes.

Make sure to look at a variety of houses and give your favorites a second look before making an offer. Take your time and do not feel rushed. Keep your proprieties in mind and keep looking. The average buyer will look at 10 houses, but it’s OK if you find your dream home on the third look or the 30th. This is a situation where you will literally need to live with your decision.

ABOUT THE WRITER Gary M. Singer is a Florida attorney and board-certified as an expert in real estate law by the Florida Bar. He practices real estate, business litigation and contract law from his office in Sunrise, Fla. He is the chairman of the Real Estate Section of the Broward County Bar Association and is a co-host of the weekly radio show Legal News and Review. He frequently consults on general real estate matters and trends in Florida with various companies across the nation. Send him questions online at sunsentinel.com/askpro or follow him on Twitter @ GarySingerLaw.

Loveland Reporter-Herald – AtHomeColorado.com

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REAL ESTATE

Buying a home in 2019? 5 Credit improvement tips It’s a new year and with it comes new goals. If one of yours is to buy a home this year, then improving your credit SUZANNE should be a top PLEWES priority. Credit RE/MAX Alliance scores mean so much in this day and age.

Good scores help you qualify for better mortgage programs and lower interest rates, making home ownership more affordable. With that in mind, what can you do to improve your score? Here are a few tips.

1. Check and Correct Errors Visit CreditKarma.com for free access to your credit report from 2 of the 3 credit bureaus. If you notice any errors, immediately work to have them fixed. You can each credit bureau and/or the creditor tied to the account in

question. When errors are removed, scores tend to increase instantly.

2. Make Payments on Time Payment history weighs heavily on your score. Therefore, paying your debts on time is one of the most important things you can do.

Even one late payment can drop your score, so being a diligent and conscientious borrower will pay off and help you achiev e your home ownership dreams.

3. Don’t Apply for New Credit Cards If you want to buy a home, then you’ll need to resist the urge of applying for new credit or charge cards. Although you may benefit from store discounts or low introductory interest rates, those cards can cost you more money in the long run if your score drops.

Your mortgage interest rates could be higher for the 30 year life of your loan. So, skip the promos and discounts and focus on the bigger prize—the home of your dreams.

4. Don’t Accumulate More Debt In addition to avoiding new card applications, it’s equally important not to increase balances on existing cards. How much of your credit line you are using impacts both your credit score and a lender’s assessment of your credit worthiness. If you have a $10,000 credit limit and are only using $1,000 of it, that looks much better than having a high $9,000 balance against that same credit line.

5. Select a Lender Early Find a local lender and connect with a loan officer early in the process. Although you may not be ready to request a pre-approval yet, you can start to understand what mortgage options are available and what you may do qualify. Does your score need to reach a certain figure? Do you need to save a specific amount of your own funds? Do you need to pay down some debts to get your debt-to-income ratio within an

acceptable range? Improving your credit score using the tips above is one thing, but there are other aspects of mortgage approval that you may need to prepare for. A mortgage professional can give you the proper guidance on those other matters.

Working Towards Buying a Home in 2019 As a final thought, it’s also a great idea to connect with a local real estate agent. You can start narrowing down your target neighborhoods, monitoring the market for new listings, and track market price fluctuations. When you are ready to start actively looking for a home, your agent will also provide you with valuable guidance and advice at every step of the process.

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.

OPEN SUNDAY JANUARY 13TH, 1-3PM 714 Jay Avenue, Johnstown $495,000 4 bedroom • 3 bath • 3912 sq ft Prime Cape Cod in Sunrise Ridge overlooking open space. Large foyer leads to the stately formal living room w beautiful custom fireplace & built ins. Exquisite period detail effortlessly combined throughout. Separate formal dining room off kitchen features pocket door for privacy. Large master suite w updated bathroom, bonus loft, and useful hobby room in bsmt. Enjoy breathtaking views from the back deck. This property is grand for entertaining & intimate for friends & family. Sauna included!

Jamie Goodvin Broker Associate/Realtor Office: (970) 408-0553 • Mobile: (970) 324-4748 jgoodvin@remax.net • www.infinityhomefinder.com

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10

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Loveland Reporter-Herald – AtHomeColorado.com

January 12-13, 2019

Real Estate place yoUr ad:

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

Real Estate Mobile Homes for Sale

FAIR HOUSING NOTICE All real estate advertising in this newspaper is subject to the Federal Fair Housing Law which makes it illegal to advertise a preference limitation or discrimination based on race, color, religion , sex, handicap, familial status, or national origin, or an intention to make any such preferences, limitation or discrimination.

This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis. To complain of discrimination, call The Colorado Civil Rights Office at 1-800-262-4845/ HUD at 1-800-669-9777.

Erie: Adult Park 55+ Lot Rent, $325/month 2BR 1BA $59,900.

Berthoud: 2016 14x56 2BR 1BA $48,900.

Boulder: 1997 16x60 1BR 1BA $64,900.

Water Mineral

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now for a free LOST & FOUND ad.

2BR 1BA Units in Loveland Holiday Special 1/2 Off 1st Month Rent Washer/Dryer in Unit. $1045/month for Upper Level Units; $1145 for Downstairs Units. Water, Sewer, Trash included. No Pets.

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move your

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5BA No Smoking, 2 car garage WD hook up $1400/mo + util $1350 dep 970-667-3353

Lafayette: 2000 24x48 3BR 2BA $89,900. roseaffordableliving.com 303-682-9141

14x70 2BR 1BA New cuboards, 15x22 patio, new roof, storage shed, carpet, wood floors, refrg, stove, D/W Call 970-667-3925

Foothills Apartments

Want to purchase minerals and other oil/gas interests.

Send details to: P.O. Box 13557, Denver, CO 80201

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2BR Country Setting, South Loveland Area: Recently Remodeled.

W/D Hook Ups, Heat, Water & Trash Paid. $1200/month+deposit.

970-689-2690.

Very Nice Basement Apt West of Berthoud: Separate Entrance, 1BR 1BA, Laundry Room, Small Pet Okay, Non-Smoker Preferred. $850/month.

970-532-2343

PLACE YOUR AD. Call 303-466-3636 or 970-635-3650.

TURN USED ITEMS into quick cash with Classifieds!

For sale by owner only.

No refund for early cancellation.

Reporter-Herald

AT HOME

R11

Featured Property

Featured Property

Open House Saturday 12-3pm & Sunday 1-3pm

8402 N 81st St., Longmont $590,000 • MLS# 847671 Hops, Hemp or Hay, you decide! Entire property is a conservation easement zoned AG. This 25 acres is also a great location for horses w/allowable barn/arena/outbuildings w/max 10% structure coverage allowed. NO residtl structures allowed.

Jesse Laner John Simmons 970-672-7212 970-481-1250 jsimmons@c3-re.com jlaner@c3-re.com

3001 Shore Rd., Fort Collins $1,185,000 • MLS# 868752 5 Beds • 4 Baths • 4 Car Garage Lake front living with private setting. Enjoy Colorado Seasons on your deck or through the atrium windows. Ranch style home with 3 bonus bedrooms up + a finished walk-out basement.

4219 Goldeneye Dr., Fort Collins $343,500 • 865876 3 Beds • 1 Baths • 2 Car Garage This home is located South of Troutman Park. It features a large living room + a family room w/wood burning fireplace, new flooring & patio access. Vaulted ceilings, kitchen w/pantry, new flooring & new electric range/oven.

1713 Dove Creek Cir., Loveland $285,000 • MLS# 869299 2 Beds • 2 Baths • Total Sq. Ft. 958

Custom Home on 35 Acres!

138 Acres!

Borders Open Space!

1784 James Park Trl., Loveland $1,200,000 • MLS# 865212 3 Beds • 3 Baths • Total Sq. Ft. 3,317 Views abound from this nearly new custom mountain home located at 6,800 feet with 270 degrees view east and west!

Incudes over 2,000 sq. ft. of patio and a 2-story barn with additional finished space!

John Feeney 970-231-4172 jfeeney@c3-re.com

4151 Wilderland Way, Loveland $1,000,000 • MLS# 846402

15546 W CR 18E, Loveland $725,000 • MLS# 867462 4 Beds • 3 Baths • Total Sq. Ft. 3,075

4952 S County Rd. 29, Loveland $495,000 • MLS# 868558 4 Beds • 3 Baths • Total Sq. Ft. 2,496

138 Acres of Vacant Land bordering Devils Backbone Open Space!

Only 15 minutes to Downtown Loveland but feels like a world away!

Call for more details or to schedule a tour!

Beautiful 18 acres bordering open space and Pinewood Reservoir!

Additional 1,260 sq. ft. shop along with a 4 stall 964 sq. ft. barn.

Rolling hills, meadows and wonderful foothill views!

Take a look at the views from this raised ranch home on 6 acres in a convenient location just outside of Loveland and Berthoud! Large family room with wood burning fireplace on the main level.

Featured Property

Vacant Land

2127 Cape Hatteras Ct., Windsor $835,000 • MLS# 863824 4 Beds • 4 Baths • Total Sq. Ft. 4,157 One of a kind property in Water Valley South on 1.86 acres. Over $200,000 in landscaping. Lookout point w/spectacular views of WV & Windsor. Gardens, fenced yard, dry creek, patios, private beach, sprinkler system, water feature & fire pits.

Jesse Laner John Simmons 970-672-7212 970-481-1250 jsimmons@c3-re.com jlaner@c3-re.com

John Feeney 970-231-4172 jfeeney@c3-re.com

John Simmons 970-481-1250 jsimmons@c3-re.com

John Feeney 970-231-4172 jfeeney@c3-re.com

www.MyColoHome.com

Jesse Laner 970-672-7212 jlaner@c3-re.com

John Simmons Christie Juhl 970-481-1250 970-430-9501 jsimmons@c3-re.com crownjuhlrealtor@gmail.com

Immaculate, townhome in Loveland! Upgraded kitchen with soft close drawers, under cabinet lighting and composite sink. Backyard is designed to bloom beautifully. This home is a must see!

Joel Anderson 970-682-8122 janderson@c3-re.com

Vacant Lot

Home on 6 Acres!

John Feeney 970-231-4172 jfeeney@c3-re.com

Chresa Anderson 970-310-3091 chresaa@c3-re.com

3352 Continental Cir., Fort Collins $249,900 • MLS# 841030 Views, Views, Views! One of the last lots available in Continental North. 360 Degrees of views of foothills, inlet cove, city of Fort Collins and mountains to the north. Electric at property, district water (no well needed) available.

Jesse Laner 970-672-7212 jlaner@c3-re.com

John Simmons 970-481-1250 jsimmons@c3-re.com

970.225.5152 • C3 Real Estate Solution, LLC.

there’s no place like 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

atHome COLORADO HOME & REAL ESTATE

AtHomeColorado.com January 12-13, 2019