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FOSSIL CREEK NURSERY 50 Years and Still Growing

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 18-19, 2019

Experts weigh in on whether to pay off your mortgage early Paying off your largest debt might be tempting but is it the wisest decision?

Loveland Reporter-Herald – AtHomeColorado.com

These Are The 7 Dirtiest Places In Your Kitchen You might be surprised by the places germs lurk most when it comes to your kitchen. Add these seven spots to your spring cleaning list.

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HOME TIPS

atHome These are the 7 dirtiest places in your kitchen COLORADO HOME AND REAL ESTATE

ATHOMECOLORADO.COM CONTRIBUTING WRITERS Shelley Widhalm Cathy Hobbs Micah Walker Deborah Kearns Caitlin McCabe Ilyce Glink Samuel J. Tamkin Paul F. P. Pogue HomeAdvisor 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.

By HomeAdvisor HomeAdvisor (TNS) Your imagination can run wild thinking of the bacteria lurking in your home. But people tend to look in the wrong direction when it comes to fighting germs in the kitchen. Disinfect these seven germ sanctuaries as soon as possible.

YOUR REFRIGERATOR Your refrigerator harbors bacteria in some surprising places.

Ice and water dispensers, vegetable crispers, meat drawers, and door seals are some of the germiest!

To do: Use a disinfectant when you clean the fridge, do a white vinegar flush of the water dispenser, and clean and sanitize the ice maker and ice bin. If your fridge needs extra care (and elbow grease), consider hiring a cleaning service that offers appliance cleaning.

COUNTERTOP APPLIANCES Countertop appliances need more intensive cleaning than you might think. In fact, not doing things like flushing your coffee maker and disinfecting your blender gasket can put you at risk of ingesting unsafe bacteria.

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.

To do: Run a cycle of white vinegar and water through your coffee maker, and tackle scum on slow cookers with white vinegar and baking soda. Disassemble your blender and wash every component with soap and water. And remember to unplug appliances before cleaning.

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

COUNTERTOPS Think of all of the hands, bags and containers that land on your countertops throughout the day. A quick wipe-down won’t be enough to fully clean the surface and prevent cross-contamination.

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To do: Disinfect your countertops daily and let them air dry. And consider installing a nonporous countertop material like engineered quartz to reduce germ accumulation!

You might be surprised to learn that countertop appliances and reusable containers can harbor bacteria, yeast and mold. (Dreamstime/TNS)

THE SINK Sinks require daily care to fight bacteria. Disinfecting them regularly will reduce the risk of contaminating foods and dishware, and will make your sink less appealing to pests.

To do: Flush sink drains weekly or biweekly with hot water and bleach or vinegar and baking soda. And disinfect your sink basin every night. If your sink is slow to drain or produces a smell, it might help to connect with a local plumber.

COOKING UTENSILS Utensils like rubber spatulas and can openers rank in the top 10 for bacteria content — and studies have found harmful strains like E. coli and Salmonella on them!

To do: If your utensils can be disassembled, take them apart to clean them (bacteria gathers in the creases). And deep clean your can opener in a vinegar bath.

REUSABLE CONTAINERS Food storage containers and reusable grocery bags aren’t just storing dry goods or tomorrow’s lunch — they’re also holding germs. This is especially true if there is a rubber seal involved, as these tested positive for yeast and mold.

To do: Wash your reusable shopping bags weekly. And clean food

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storage containers as soon as you’re finished with them, removing the seals for their own cleaning.

KNIFE BLOCK Knife blocks rank among the 10 germiest items in the kitchen. Wooden knife blocks, in particular, harbor yeast and mold — especially if you put semi-wet knives back into the block.

To do: Remove the knives and clean the block with soap and water, scrubbing the slots with a narrow brush or pipe cleaner. Then, submerge the block in water containing one tablespoon of bleach to each gallon (or wipe it with a similarly portioned mixture). Let the block air dry upside-down.

The reign of bacteria in the kitchen doesn’t end there. Knobs, handles, buttons, sponges and washcloths need more attention than they’re given. If you’re feeling overwhelmed, consult with a cleaning company about deep cleaning services and get a clean slate!

——— HomeAdvisor is an online marketplace connecting homeowners with trusted service professionals to complete home projects. Visit HomeAdvisor.com.

May 18-19, 2019

DESIGN RECIPES

The do’s and don’ts of affordable family room upgrade

Before: This family room feels disconnected. (Design Recipes/TNS)

By Cathy Hobbs Tribune News Service (TNS) Whether in basements, filled with light or spaces that pose spatial challenges, family rooms are often the most popular room in a home. So why not make a family room as appealing and cozy as possible? Creating a familyfriendly family room doesn’t have to break the bank. Often, creative planning and even “shopping your home” can help refresh a family space easily and affordably.

Here are some affordable design tips.

DO: 1. Create a furniture configuration around a focal point in the room. Often this is a television or fireplace.

2. Add cozy elements such as toss pillows and throws. The goal is to create a space your family will feel as comfortable in as possible.

3. Try to use commercial or hospitality grade fabric on upholstery pieces. This is a common tip used by interior designers. Commercial and hospitality grade fabrics are

May 18-19, 2019

designed to undergo heavy use and stand the test of time and often come in the same fun colors as those intended for normal residential use.

4. Incorporate color through the use of art and accessories.

5. Anchor a space with a large area rug. Ideally the rug should be large enough to accommodate the entire furniture configuration for the space.

DON’T: 1. Fill a family room with too many special or breakable pieces.

After: A large area rug helps anchor and define the space. (Design Recipes/TNS)

A family room should be kidfriendly.

2. Just select dark and drab fabric colors. While colors like brown and black can hide stains better than light colors, consider darker shades of brighter colors such as blue, red or green.

3. Forget lighting. Often family rooms are poorly lit. When possible incorporate recessed lighting placed on dimmers.

4. Use your family room as a discarded space or storage area. Family rooms should be a relaxation space and family oasis.

Before: A family room’s furniture arrangement is disjointed.

(Design Recipes/TNS)

Loveland Reporter-Herald – AtHomeColorado.com

5. Forget to create a multipurpose space. The goal is to create a space for the whole family.

It can be divided into various zones for lounging, gaming and study.

——— 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 atcathyhobbs.com.

After: The arrangement is now cozy and cohesive.

(Design Recipes/TNS)

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LAWN AND GARDEN

Here are 9 gardening trends to try this year

By Micah Walker Detroit Free Press(TNS)

YELLOW FLOWERS RULE Yellow is this year’s hot color, according to Home Depot. Use flowers such as yellow tulips, forsythia shrubs, daffodils, pansies, dandelions, marigolds, daylilies, black-eyed Susans, and daises to liven up their spaces. In addition, Proven Winners named its annual of the year to be sedum “Lemon Coral” due to its glowing yellow foliage.

It’s planting season, and gardeners are getting ready to stock up on greenery.

From tiny urban gardens to rolling landscapes in the suburbs, here are nine hot trends for 2019, according to horticultural experts.

NO SPACE? NO PROBLEM The biggest issue for most gardeners this year figuring out how to tackle a small garden.

According to the U.S. Census Bureau, about 80 percent of Americans live in urban areas, which leaves little to no room for outdoor greenery.

According to the experts at plant supplier Proven Winners, consider opting for fastigate shrubs.

Fastigate plants are those that grow with branches sloping upward, nearly parallel to the main stem. These plants save on space by growing upward instead of outward. According to Proven Winners, bushes and shrubs that fit the bill yet offer a splash of color and interest include Hibiscus purple pillar, Rose of Sharon, Japanese holly, or elderberry.

CLIMATE CHANGE GARDENING Sue Townsend of the Society of Garden Designers said creating gardens that can deal with extreme temperature swings will be a key trend this year. The designer suggested that gardeners should have the right plants that fit the

Yellow is this year’s hot color, according to Home Depot. (Dreamstime/TNS)

condition of the garden, store water and allow excess water to be collected then dissipated through the soil. Think plants labeled drought-tolerant, cold tolerant, etc.

SAVE THE POLLINATORS Pollinators vital to keeping the world’s crops thriving are under major threat from disease, loss of habitat and other stressors.

Gardeners are encouraged to grow plants that support pollinators, such as like Sonic Bloom reblooming weigela, single-flowered roses like Oso Easy Paprika and Oso Easy Urban Legend.

LANDSCAPE FRIENDLY NATIVES Planting shrubs or trees that are native to a particular region or ecosystem can provide enhanced habitat for wildlife as well as

natural beauty, said the Michigan State University Extension. In addition, native plants help the environment by reducing the amount of water used and less need for pesticides and fertilizers.

For gardeners who do not want to take on too much work, natives can be low-maintenance.

PERENNIAL POWER The Home Depot’s blog, the Garden Club, said a trend that started in Europe called the New Perennial Movement is making its way to the United States. The movement’s primary characteristic is “layers of perennials that evolve through the seasons.”

BUILD A MEADOW Another space-saving tip for green thumbs is creating a meadow, which can be maintained from April to late November with little upkeep.

PATTERNS ARE BIG, TOO Variegated foliage, with different colors and patterns in its leaves, are hot this as well, according to Home Depot.

Consider adding plants such as coleus, geraniums and begonias for variety.

CRAZY PAVING, LOG WALLS Looking to landscape this year? Crazy paving — walkways using irregular patterns and sizes of stones — along with gabion walls and, charred timbers all are expected to be popular choices for gardens.

Townsend also foresees a rise in porcelain paving since its non-slippery surface is useful for “shady areas and around swimming pools.”

Bring a rustic element to the garden by installing log walls.

“They can act as a feature wall, a boundary or a screen while providing a necessary habitat for insects and a wide range of wildlife,” said Samitier. She also predicts metals will be used in green spaces since it is a “versatile material.”

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Stef Erion Broker Associate 970.415.7598 www.steferion.com

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FEATURED AGENT SHARON COOK NoCo Realty, Inc. 970.679.9900 www.sharoncook.com Read Sharon’s At Home profile at: https://athomecolorado.com/featured-agents/sharon-rae-cook-noco-realty/

May 18-19, 2019

LAWN AND GARDEN

Garden Tours lift spirits If you’ve been riding around with a gardener lately, you might have found it a hair-raising trip. Between spotting

BY CAROL plant sales O’MEARA and gardens Colorado State looking University Extension glorious from the moisture we’ve gotten, our driving habits more closely resemble a squirrel in traffic than a sedate motorist.

Circling back to take another look at a plant in bloom is common; it’s why we take three hours to run a one-hour chore.

The only way to satisfy the itch to see gardens is to embark on tours.

Fortunately, garden tour season is almost upon us. Check out these in our area: The 17th Annual Whittier-

Mapleton Garden Tour is June 1, 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 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). Advance tickets are $15 and available in Boulder at Sturtz and Copeland, Pharmaca, Spruce Confections, Boulder Book Store, Seeds Café, Cured, and The Flower Bin in Longmont.

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 42nd Annual Festival of Flowers garden tour takes

visitors through five outstanding gardens, June 7 - 8, 9 a.m. to 3 p.m. Support the orchestra while enjoying the blooms of the private, lovely gardens. Tickets are $15 and available from Symphony Guild members and in Longmont at the Flower Bin, Front Range Flea Market, Longmont Florist, and Duran Hobby Acres. For more information and ticket purchasing locations, check out longmontsymphony.org/gardentour/.

The 15th annual Loveland Garden Tour, June 15, 8 a.m. to 2 p.m. showcases nine private gardens in northwest 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.

Tickets are $20. Tickets available online at lovelandyouthgardeners. org or call 970-669-7182.

The Junior League of Fort Collins is sponsoring the 37th Annual Terrace and Garden Tour, June 22, 8:30 a.m. to 1 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. Tour the gardens, then stay for the block party the Junior League is hosting, with live music and food trucks. 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/fund-development/ junior-league-garden-tour/.

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.

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May 18-19, 2019

Loveland Reporter-Herald – AtHomeColorado.com

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REAL ESTATE

Experts weigh in on whether to pay off your mortgage early or put your money to work elsewhere to identify what they are, quantify them by time and value, and prioritize them,” Boneparth says.

“You’ll have to make sacrifices along the way that may require you to spend less or increase your income.”

By Deborah Kearns Bankrate.com(TNS) Paying off a mortgage is a huge accomplishment, and it’s a cornerstone of financial independence. Homeowners who don’t want the shadow of a mortgage payment hanging over them for decades are eager to map out a strategy for tackling their mortgage debt for good. But other homeowners might be better served putting their cash to use elsewhere, such as higher-return investments or retirement savings.

Three financial experts weigh in on the ever-evolving debate on whether you should pay off your mortgage early — or put your money to work in other places.

Let’s dive in.

Everyone agrees: Tackle mortgage debt last Before you even think about paying off your mortgage early, financial advisers say you should get rid of high-interest debt, student loans and other sizable debt. Two other key areas that many people short-change or neglect are their retirement and emergency savings.

A recent Bankrate study shows that nearly half of working adults (48 percent) are saving something, but no more than 10 percent of their annual incomes. Only one in six employees (16 percent) say they’re saving more than 15 percent of their yearly earnings.

But tackling any type of debt requires discipline and a plan, says Douglas Boneparth, president of Bona Fide Wealth Management in New York City.

“You need to put a system in place for your goals that allows you 6

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Evaluating how best to put your money to work Pouring money into a house that you don’t plan on living in for more than five or 10 years ties up a good chunk of your liquidity for the foreseeable future. That probably won’t be in your best interest, especially if your mortgage carries a low interest rate, says Helen Ngo, CFP, founder and CEO of Capital Benchmark Partners in Atlanta.

“Look at where else can you put your money so that it works for you,” Ngo says. “Your interest rate plays a factor in the decision, and you have to weigh the spread in rates.”

For example, a 30-year mortgage with a 4.5 percent rate is still super cheap compared with the 8 percent to 9 percent that people paid in the 90s, Ngo says.

Boneparth points out that if you have a mortgage rate near 4 percent but you can get a 6 percent to 7 percent return on a diversified investment portfolio, paying off your mortgage early won’t make sense on paper.

“The spread between your mortgage interest rate and what you can conservatively assume by investing your money might influence how you allocate your savings across any large debt,” Boneparth says.

How emotional baggage of debt factors in Let’s face it: debt is a heavy topic. People feel defined by it, and that comes with considerable emotional baggage. Some people will always view debt of any kind as the enemy, Boneparth says.

Their feelings about debt– even carrying a mortgage long term — will override any financial considerations of putting their money to work elsewhere.

“It’s easier to think, ‘Hey, I’m debt-free’ instead of how to

diversify an investment strategy,” Boneparth says. “But you have a choice to make. People are shooting from the hip instead of crunching the numbers.”

Ngo adds that many people assume all debt is bad, but a mortgage is different.

“A house is not like a car that depreciates in value (right away),” Ngo says.

Your age and appetite for risk matter, too The younger you are and the more money you earn, the more you can afford to be aggressive with investment risk. But that appetite for risk dwindles as you get closer to retirement age, says Richard Barenblatt, a mortgage specialist with GuardHill Financial Corporation in New York City.

“There are situations where not having mortgage is good,” Barenblatt says. He adds that knocking out your mortgage ahead of schedule makes sense if you’re retired or you don’t need the tax benefits, which are less robust under the new tax law.

“Being debt free is the holy grail of financial security, and that’s ultimately what a retiree is working toward,” Barenblatt says, adding that as people age, they’re more afraid of running into financial trouble that could take the roof from over their heads. “It’s a common perception as people get older, and that overrides any other lucrative (money-making) opportunities that come their way.”

4 ways to pay off your mortgage early If you’re ready to aggressively pay down your mortgage, here are four ways to get started: 1. Refinance to a shorter-term loan If you have a 30-year loan, you can refinance to a 10- or 15-year mortgage. While your monthly payments will be higher, you’ll pay off the loan in a fraction of the time (depending on how far you’re into repaying your current mortgage).

Unless you can nab a lower interest rate for a shorter-term loan,

Loveland Reporter-Herald – AtHomeColorado.com

though, refinancing won’t make sense, Barrenblatt says.

2. Reconfigure your payments for a shorter term — without refinancing To tackle your mortgage in less time, ask your lender to help you figure out what the monthly payment would be at your current loan’s interest rate for various timeframes. Or you can use Bankrate’s mortgage payoff calculator to run the numbers for yourself.

Before you make extra payments, ensure your lender doesn’t charge a prepayment penalty for paying the loan off early, says Ngo. You also want to earmark extra payments to go toward principal only. Ask your lender what their specific process is for applying extra payments toward principal, Ngo says. Check your mortgage statements to make sure principal payments are applied properly, too.

3. Pay a little more each month or one extra payment each year If you’re looking to chip away at your mortgage at a more gradual pace, pay a little extra each month or make one extra monthly payment each year. Again, you’ll want to follow your lender’s process for making principal-only payments.

4. Make lump-sum payments Applying a lump-sum payment toward your principal balance when you come into extra cash — a bonus at work, tax refund or a sizable inheritance payout — can shave off time from your mortgage.

The downside to this strategy is that it can make it harder to pinpoint your payoff date. But if paying off your mortgage early is a top goal and you’ve met other obligations, putting it right toward your principal instead of leaving it in a checking or savings account where you might be tempted to spend it will keep your early payoff goal on track.

Visit Bankrate online at bankrate.com.

May 18-19, 2019

REAL ESTATE MATTERS

Is there a conflict of interest in a dual agency situation?

By Ilyce Glink and Samuel J. Tamkin, Tribune Content Agency Q: Should I buy a house that my real estate agent is also selling? Is there a conflict of interest?

A: Your question is actually about dual agency, which generally refers to a situation where the person representing you is also representing the seller. In your situation, your real estate agent is the listing agent and is also your buyer’s agent. In this case, your agent is considered to be a dual agent; and because an agent can’t hold a fiduciary duty to you and the seller in the same transaction, your agent’s role in the transaction is diminished.

It’s difficult and confusing to have an agent suddenly become the gatekeeper on the other side of a transaction, and there have been cases argued in the courts about where the agent’s loyalties should lie in this situation. Some customers feel that their broker should have a duty of loyalty only to them, especially if the home buyer or seller has worked with a broker or real estate salesperson for quite some time.

Over time, real estate agents learn a lot about the likes, dislikes, personal information and even financial ability of their customers.

They often know the maximum price they can afford, and what tradeoffs

REAL ESTATE

Want to buy a home? Do the math (BPT) - It is a common misconception that a 20 percent down payment is required to buy a home. Advice to save a large down payment is often based on the theory that the cost of mortgage insurance (MI), which is required when you buy with a smaller down payment, should be avoided. This may not be the best advice and is not in line with market trends, considering the median down payment for first-time homebuyers is 7 percent, according to the National Association of Realtors.

You can qualify for a conventional May 18-19, 2019

they’ll make for their new home.

With all that information, you might say it’s hard for the real estate agent to stay neutral when faced with a dual agency situation. And, we agree. Neutrality (what the National Association of Realtors calls “nonagency”) is an illusion.

In the best case scenario, the dual agent doesn’t divulge any personal information about the buyer to the seller and doesn’t truly assist or help you in the purchase of a home that the broker has as a listing.

Isn’t there a remaining conflict of interest? A lot of people agree. In a dual agency situation, your buyer broker can’t give you the advice he would have otherwise provided if he wasn’t the listing broker. He might not even be able to say to you that the house is wrong for you. He can’t tell you that the house is priced too high and he can’t give you the advice you might have become accustomed to in other offers you might have placed.

So, if you can’t get the advice you need, what are you getting? Well, in dual agency situations, you get a facilitator or middle person that won’t give you help or advice in your purchase. Most frequently, we see real estate agents refer the buyers to a different broker or salesperson.

This way, the buyers have a broker or salesperson looking out for the buyer and the owner of the home

has a listing agent watching out for the seller.

And, for this you’ll pay the full commission.

Unfortunately, frequently buyers and sellers are left with a bad taste when they have worked with a broker for a long time only to be left to be helped by someone new right when they need their trusted broker the most. Many brokers have their buyers and sellers agree to a dual agency situation early on in their documentation, but when the dual agency actually arises, it seems that neither the seller or the buyer are prepared for what comes next. Sellers don’t like knowing that the listing broker that has handled their transaction suddenly stops giving advice, and buyers don’t like being left alone to figure out what to do when negotiating the offer to purchase.

And while conflicts remain, it doesn’t mean you won’t buy the right house or sell for the same amount of cash you would’ve otherwise received. Dual agency doesn’t mean everything gets blows up; it just means that there are new complexities.

So, deal with them upfront.

Before hiring your agent or listing broker, understand what the broker or salesperson will do for you if you find yourself in a dual agency situation. Talk with the agent about

what rejecting dual agency would mean, and discuss your expectations for the agent to continue to represent you in the transaction.

If you’re buying, the agent can find a different agent in the office to represent the seller. If the agent is unwilling to do that (maybe he or she has an even longer term relationship with the seller), then require the agent to find you another agent to help you close the deal. A final option is to simply take a pass on the home. (Easier said than done in tight markets, we know.)

Finally, if you decide to proceed in a dual agency situation, get yourself some backup. Hire a real estate attorney to look out for your best interests, and, if you live in an area where real estate attorneys are not used for residential deals, you should find someone knowledgeable about the market to help you out.

Otherwise, you have to think about this home as if you were buying it on your own without any help from an agent or broker.

(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 Chicagobased real estate attorney. Contact Ilyce and Sam through her website, ThinkGlink.com.)

mortgage with a down payment as small as 3 percent. It is also true that you can reduce your mortgage payment by paying for discount points at closing, but that can be 5 or 10 percent of the purchase - not 20. And because every situation is unique, do the math.

In today’s market, it could take a family earning the national median income up to 20 years to save 20 percent, according to calculations

by U.S. Mortgage Insurers using a methodology developed by the Center for Responsible Lending; a lot can change during that time, in finances and overall market trends.

credit score at today’s MI rates, your monthly MI payment would be about $110, which is added to your mortgage payment until MI cancels.

MI typically cancels after five years; therefore, you will only have this cost for a short period of time.

With home price appreciation, today’s $255,000 home will likely cost more in the years ahead and this will have an impact on the necessary down payment and time required to save for it. There are other variables too, such as interest rates. As federal rates rise, so too will the costs associated a mortgage. The savings a borrower might calculate today could be negated by waiting even a few years. Another factor is that rents are on the rise, leading to a reduced capacity for many would-be homebuyers to save for larger down payments.

If you decide to buy today with a low down payment mortgage that

has private MI, keep in mind that the MI payments are temporary, lowering the monthly payment over time. Again, private MI typically lasts about five years as it cancels once a homeowner builds approximately 20 percent equity in the home through payments or appreciation and automatically terminates for most borrowers.

Importantly, the insurance premiums on an FHA mortgage - a 100 percent taxpayer-backed government version of mortgage insurance - cannot be cancelled for the vast majority of borrowers.

So, do the math and let the numbers guide you. There are many online mortgage calculators that can help. Check out lowdownpaymentfacts.org to learn more.

How can buying now save you money later?

Consider you want to purchase a $255,000 home. A 5 percent down payment is $12,750 versus $51,000 for 20 percent down. With a 740

Loveland Reporter-Herald – AtHomeColorado.com

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COVERPROFILE

FOSSIL CREEK NURSERY 50 Years and Still Growing

By Shelley Widhalm for At Home Fossil Creek Nursery started 50 years ago on an old apple orchard and today is known for its woody plants and carrying the oddities.

“The big thing for us is having a selection of odd varieties that you might not otherwise be able to get your hands on,” said Nate Fetig, vice-president and co-owner of Fossil Creek Nursery, 7029 S. College Ave. in Fort Collins.

“Because we’re plant lovers and plant nerds, we like to see different varieties and how they perform in Colorado. … Pretty much if it will grow here, we will sell it.”

Fossil Creek Nursery is a multigenerational, family-run landscape and garden center serving Northern Colorado as a one-stop shop for everything that goes with plants, flowers, shrubs and trees.

“We strive to have the best quality,” Fetig said. “We have high quality plants that are reasonably priced.”

The nursery offers variety in annuals, perennials, houseplants, conifers, trees, shrubs, fruits and ornamental grasses for commercial landscapers, gardeners and residents wanting to improve their outdoor living spaces.

Located on 15 acres overlooking Benson Reservoir, the nursery features a garden center that 8

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

(Tim Seibert/At Home)

offers plant food and fertilizer and an assortment of gardening tools, garden art and fountains.

There also is a greenhouse with tropical and other types of plants, plus multiple plant displays and demonstration gardens around the nursery, office and ponds for a park-like feel.

“We think it’s helpful to show what a mature plant looks like of certain varieties, so we have a good amount of display plants around the nursery,” Fetig said. “It’s an idealistic nursery in a park-like setting that is a gardener’s paradise.”

The bulk of the property is reserved for outdoor plants with six acres dedicated to trees, another six acres to shrubs and one-and-a-half to two acres to perennials, where at any one time there are 500 to 1,000 varieties.

“We pride ourselves on having one of the largest selections of woody plants in Colorado,” Fetig said. “We may not have a large quantity of any one variety, but we have more varieties than anywhere else. … We draw a lot of nerd gardeners from around the area that are looking for unique plants that they can’t find anywhere

Loveland Reporter-Herald – AtHomeColorado.com

Trees, shrubs and garden accessories help enhance outdoor spaces. (Photos courtesy Fossil Creek Nursery.)

else.”

The nursery offers a long list of services to improve the look and performance of the plants, shrubs and trees it sells. Through on-site landscape design and planting consultations, the nursery helps identify the best plants and trees for a home or other site and suggests layouts of planting beds, walkways and other areas. It also provides planting installations and testing, pest and soil problem identifications, and garden feature setups and installs.

Historically, Fossil Creek Nursery was on a one-acre site May 18-19, 2019

of the former McClelland Fruit Orchard, started in the 1800s on College Avenue south of Harmony Road. The original homesteaders sold the orchard to Tom Haney, who operated the nursery from 1969 to 1990, when he sold it to Fetig’s parents, Jack and Christine, who kept some of the original apple trees.

They primarily wanted a way to supply their landscape contracting business, Alpine Gardens, which they started in 1978 to design, build and maintain residential and commercial landscapes. Today, the business is one of the nursery’s largest customers.

“We think that the businesses go hand in hand pretty well,” Fetig said. “We like to be able to promote the nursery to our landscape customers, and if people come to the nursery, if they want to do more than buy plants, we can help them design and install. It’s a pretty good marriage.”

In 1997, Jack and Christine moved the nursery to its current location to be able to own

Open House Sat: 12-2pm & Sun: 12-3pm

Fossil Creek houses a 15-acre spread with a Nursery garden center, greenhouse and landscaping displays. (Photos courtesy Fossil Creek Nursery.)

instead of lease and to expand to a larger site with access to an agricultural ditch for watering the nursery’s plants, shrubs and trees. Jack serves as the nursery’s chief operating officer and Alpine Gardens’ head landscape designer, while Christine is the controller for both businesses.

“We’ve been on a long journey,” Fetig said. “Tom was a one-man show. Our size has fluctuated through the years.”

1943 Canterbury Ct, Loveland $415,000 4 Beds • 4 Baths • Total Sq. Ft. 3167

Currently, the nursery operates with a staff of 30 and the landscaping company with 100.

“We’ve grown quite a lot up to the Great Recession. That really did a number on our business.

The last five to 10 years, we had to rebuild back up to what we were,” Fetig said. “We’re stronger and leaner for having made it through that that. We’re positioned well to continue serving the community for years

Open House Saturday 1-3pm

Open House Sat: 1-3pm & Sun: 1-4pm

Casey Martin 970-301-3532 cmartin@c3-re.com

1328 Leahy Dr, Fort Collins $515,000 • MLS# 879482 3 Beds • 2 Baths • Total Sq. Ft. 4041

Amy Stahl 970-222-4845 astahl@c3-re.com

Open House Saturday 12-3pm

Lucas Ray 970-815-6618 lray@c3-re.com

www.MyColoHome.com May 18-19, 2019

8183 County Road 48 1/2, Johnstown $430,000 • MLS# 881191 3 Beds • 2 Baths • Total Sq. Ft. 1421 Come see this darling updated home on 1.2 acres less than a mile away from Historic Downtown Johnstown! Property comes with a shed and a huge 1287 square foot garage/workshop!

Livestock is permitted!

Beautiful, nearly new ranch style home w/ 780 sq’ gar.

3BR, 2BA & unfin. bsmt. Granite, SS appl, lovely landscaping & location make this a must see. City park across the street w/ front range views.

Renée Salza 970-231-5082 rsalza@c3-re.com

3545 Kirkwood Ln, Johnstown $408,000 • MLS# 879685 3 Beds • 3 Baths • Total Sq. Ft. 3209 A Charming 2 story, 3BD/3BA home boasts an open concept kitchen & living room with a large center island, SS appl, Lg windows & lots of natural light. Features a lg loft for extra space.

Close to I-25.

Fully remodeled kitchen, new laminate flooring, and cul-de-sac. Partially finished basement.

Walk-in closet, vaulted ceiling, 5-piece bath.

New furnace, A/C, roof, and exterior paint.

Jocelyn McLain 970-222-9949 jmclain@c3-re.com

to come.”

Fetig originally didn’t plan to work for the nursery, though he worked there as a youth.

He earned a bachelor’s degree in international affairs from University of Colorado and decided to not enter the field, returning to the nursery full time in 2007. He got a second degree in horticulture from Colorado State University. His wife, Heidi, joined the business in 2009 and serves as a co-owner and office manager.

“Jack and Christine, first of all they added a lot of energy and passion over the years. They created a sense of community.

People wanted to work for them and buy from them,” Fetig said. “We’re members of the community. We have a family atmosphere with our employees as well as our customers. They set that culture that has given us a big springboard for the future.”

Maria McLain 970-217-8500 mmclain@c3-re.com

970.225.5152 • C3 Real Estate Solution, LLC.

Loveland Reporter-Herald – AtHomeColorado.com

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9

OPEN HOUSES FEATURED ATHOMECOLORADO.COM/OPEN-HOUSES OPEN HOUSE SATURDAY & SUNDAY 1-3 2407 James Drive, Loveland

$500,000 2-story w/ 4BD, 4BA & 3791 SqFt. New Quartz counter tops, appls, gas range/convection oven, gas dryer. New Anderson Smart Sun Windows. Formal dining & living room w/ eat-in kitchen & family room w/gas fireplace.

Fin bsmt w/ shop, 3/4 bath & 200 amp. Radon Mitigated!

MLS# 876531 Elaine Minor 970-215-9236

OPEN HOUSE SATURDAY 12-3 2791 27th Court SW, Loveland

$400,000 3BD, 2BA, 2559 SqFt, 3 car garage. Lakeside Terrace ranch very well cared for. Big backyard full of flowers, garden areas & covered patio. Hickory floors, LED lighting throughout, mountain views & quiet cul-de-sac location. MLS# 878889 Scott Mullen 970-690-8333

OPEN HOUSE SUNDAY 1PM-6PM

1403 Crestridge Dr., Berthoud • $749,900

3% BUYERS AGENT COMMISSION Unique beautiful 5 bedroom, 2 bath custom built home or corporate house on .4 acre corner lot near highly sought after new PGA golf community. Entertainer’s delight w/gourmet kitchen, open floor plan. Insulated unfinished basement w/egress windows allows for future expansion and great theater/rec room. 2 car oversized garage with attached RV garage has 17’ ceilings and 220 wiring. Great for classic car enthusiasts, weekend mechanics, electric cars, and all your toys. Schools, national parks, reservoirs, ski resort and airports close by. No HOA, possible AirBnb. 1 mile north of Berthoud, Colorado. Close to Hwy 287, and I-25. MLS #870543

Lynn Hurst • 303-579-9630

OPEN SAT & SUN 1PM-3PM 883 Imperial Court - Loveland $517,950

Call Cory Roberts for more Details (970) 215-9913

LIST YOUR OPEN HOUSE 10

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NEW & READY FOR YOU! Spacious & open ranch plan w/unfin bsmt, Kitchen upgrades include down draft range oven, Quartz, & pantry. Awesome Mud RM & laundry area which opens to Mstr bedroom closet. Anderson Clad Windows, 50 year high impact roof, Built for energy efficiency.

Large Cul-De-Sac lot. Covered front porch & 2 covered trex decks.

On demand water system + SO MUCH MORE.

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

May 18-19, 2019

QUICK GUIDE

OPEN HOUSE

OPENHOMES.ATHOMECOLORADO.COM

Berthoud

Frederick

1403 crestridge

5513 Triple Crown Drive

$700,000s Sunday 1:00 PM-6:00 PM Mark Slattery USRealty.com (303) 570-1883

$514,999 Saturday & Sunday 1:00 PM-3:00 PM Jenny Oliveira Getting WK Real Estate (970) 534-1188

Dacono

Johnstown

1123 MacDavidson Circle

3545 Kirkwood Ln

$359,000 Saturday 11:00 AM-1:00 PM Kevin Murray RE/MAX Alliance (303) 818-9249

Erie 309 Tynan Dr $458,000 Saturday 11:00 AM-2:00 PM Anne Dorozenski St Vrain Realty (303) 668-7660

1102 Petras Street

$408,000 Saturday 1:00 PM-3:00 PM Amy Stahl C3 Real Estate Solutions (970) 222-4845

309 Fossil Dr $410,000 Saturday 12:00 PM-3:00 PM Charlene Hart RE/MAX Alliance - Fort Collins (970) 690-4413

8183 County Road 48 1/2

$525,000 Saturday 12:00 PM-3:00 PM Joseph Brooks RE/MAX Alliance (303) 549-9311

$430,000 Saturday 12:00 PM-3:00 PM Maria McLain C3 Real Estate Solutions (970) 217-8500

1221 Richards Court

7609 E County Road 18

$785,000 Sunday 2:00 PM-5:00 PM Kimberly Fels RE/MAX of Boulder (303) 441-5626

$825,000 Sunday 11:00 AM-2:00 PM Kit Magley RE/MAX Alliance (303) 775-5177

Firestone

Longmont

5682 Viewpoint Avenue

1419 Red Mountain Drive #99

$385,000 Sunday 1:00 PM-4:00 PM Jamie Zimmerman RE/MAX Alliance (303) 807-1302

$299,500 Saturday 12:00 PM-2:00 PM Lauren Berry WK Real Estate (303) 868-6445

11021 Echo Circle

345 Baker Street

$390,000 Saturday & Sunday 12:00 PM-2:00 PM Matthew Jensen WK Real Estate (303) 819-6494

Fort Collins 1328 Leahy Dr $515,000 Saturday 1:00 PM-3:00 PM Renee Salza C3 Real Estate Solutions (970) 231-5082

1328 Leahy Dr

$340,000 Saturday 10:00 AM-12:00 PM Cristina (Ina) Sajovich WK Real Estate (970) 306-9126

1246 Onyx Circle

$379,000 Saturday 10:30 AM-2:30 PM George Thomas

By Owner (303) 651-6856

$935,000 Saturday 12:00 PM-3:00 PM Laura Chittick WK Real Estate (303) 332-4118

1812 Rice St

5317 N 109th Street

$379,000 Sunday 12:30 PM-2:30 PM George Thomas

By Owner (303) 651-6856

$995,000 Saturday 1:00 PM-4:00 PM Warren Williams RE/MAX Alliance (303) 543-0148

2202 Calais Drive Unit B

2408 Summerlin Court

$399,900 Saturday 12:00 PM-3:00 PM Donald Elm Private Party (720) 470-2267

From the $1,200,000 Saturday & Sunday 12:00 PM-4:00 PM Brian Terry Bosch Real Estate Group (303) 845-0949

1263 Hummingbird Circle B

8020 N 81st Street

$416,000 Sunday 1:00 PM-3:00 PM Amy Darcy RE/MAX Alliance (303) 725-3756

26 University Circle $422,000 Sunday 1:00 PM-3:00 PM Dene Yarwood WK Real Estate (303) 808-0076

1304 Carriage Dr $425,000 Saturday 11:00 AM-2:00 PM Anne Dorozenski St Vrain Realty LLC (303) 668-7660

$1,395,000 Saturday 1:00 PM-3:00 PM Rob Justis WK Real Estate (720) 564-6061

8357 Summerlin Drive $1,500,000 Saturday 2:00 PM-4:00 PM Debbie Rollings Berkshire Hathaway Rocky Mountain Realtors (720) 938-0244

8818 Portico Lane $1,698,000 Sunday 1:00 PM-4:00 PM Terri Johnson RE/MAX of Boulder (303) 589-8180

Loveland 1304 Carriage Dr $425,000 Sunday 11:00 AM-1:00 PM Anne Dorozenski St Vrain Realty LLC (303) 668-7660

5801 Grandville Avenue (Sales Center) Starting From the $500’s Saturday & Sunday 11:00 AM-5:00 PM Roz Piñon Markel Homes (720) 583-2170

4445 Deyo Pl $365,000 Saturday & Sunday 10:00 AM-2:00 PM Rollin Goering LC Home (970) 402-6432

1943 Canterbury Ct $415,000 Saturday 12:00 PM-2:00 PM Travis Annameier C3 Real Estate Solutions (970) 380-4163

345 Baker Street $340,000 Sunday 2:00 PM-4:00 PM Cristina (Ina) Sajovich WK Real Estate (970) 306-9126

9 University Drive

$515,000 Sunday 1:00 PM-4:00 PM Renee Salza C3 Real Estate Solutions (970) 231-5082

$368,000 Saturday 11:30 AM-1:30 PM Debbie Haubert WK Real Estate (303) 588-2128

3408 Green Spring Dr

2614 Denver Avenue

$589,000 Saturday & Sunday 12:00 PM-3:00 PM Russ Loya RE/MAX Alliance - Fort Collins (970) 286-4321

$375,000 Sunday 12:30 PM-3:00 PM Laura Chittick WK Real Estate (303) 332-4118

May 18-19, 2019

1812 Rice St

1794 Sunshine Avenue $525,000 Saturday 10:00 AM-12:00 PM Garry Callis Legacy Real Estate Group (303) 257-4725

1943 Canterbury Ct $415,000 Sunday 12:00 PM-3:00 PM Travis Annameier C3 Real Estate Solutions (970) 380-4163

1613 Cannon Mountain Drive

883 Imperial Court

$769,900 Saturday 11:00 AM-2:00 PM Colleen Vandendriessche Professional Realty Operations (303) 877-7440

$517,950 Saturday & Sunday 1:00 PM-3:00 PM Cory Roberts Premier Lifestyle Realty (970) 215-9913

1613 Cannon Mountain Drive

4805 Mariana Hills Circle

$769,900 Sunday 12:00 PM-3:00 PM Colleen Vandendriessche Professional Realty Operations (303) 877-7440

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

Loveland Reporter-Herald – AtHomeColorado.com

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11

ASK ANGIE’S LIST

How should I prepare my car for summer?

By Paul F. P. Pogue, Angie’s List Angie’s List (TNS) Memorial Day marks the beginning of the summer holiday season, and with that, you may be putting plenty of miles on your car. However, nothing ruins a fun vacation faster than a car stalled out on the side of the road. By taking some basic maintenance steps, you can improve the odds your vehicle will get you where you’re going.

Preventative Maintenance Keep your oil changes up to date. Most auto shops will perform a basic inspection at this time, and they can often catch developing problems before they get serious.

Prior to a long journey, have a mechanic inspect and test belts, hoses, brakes and battery.

They should top off all coolant and wiper fluid.

Check your tires and verify they’re inflated to the correct pressure. Under-inflated tires both lower gas efficiency and cause accidents. During a long road trip, do this a few times.

Big changes in temperature will cause your tires to lose pressure faster. If your road trip is longer than a few thousand miles, rotate your tires midway through.

If you have low tread, replace the tires; poor tread Is dangerous. The penny test is a quick and easy way to check tread level. Hold a penny upside down between the tread tire block. If you see the top of Abe Lincoln’s head, you need new tires.

If your tires bulge, they definitely need to be replaced.

If you’re towing anything, take care to follow the guidelines set by both the car and trailer manufacturers.

During long towing sessions, 12

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take advantage of rest areas to allow your engine, transmission and brakes to cool down. Steep hills and winding roads take a serious toll on your car, and a brief rest can avoid major problems.

Summer puts a lot of strain on your car’s air conditioner.

Your trusted mechanic can inspect it to make sure everything’s in good working order.

Inspect your windshield wiper blades, and replace them if they show signs or wear or damage. You don’t want them to give out during a summer thunderstorm!

Clean dirty headlights and verify that all the bulbs work.

While driving, pay attention to strange and unusual sounds.

Screeching or grinding brakes need to be addressed right away. Sputtering or rattling noises often indicate exhaust problems. Humming, growling or roaring noises usually mean your tires or wheel bearings are going out.

Prepare For Emergencies No matter how well you maintain your car, emergencies can and will leave you by the side of the road. Make sure you’re ready for that situation.

Check that your spare tire and jack are in good condition. It’s also a good idea to maintain an auto club membership or roadside assistance program.

Pack a car emergency kit that includes: — First aid kit — Backup cellphone battery or charger — Flashlight — Road flares — Jumper cables — Nonperishable food, water and medicine — Warning triangle and/or white flag — Blankets — Basic tools ——— Paul F. P. Pogue is a reporter for Angie’s List, a trusted provider of local consumer reviews and an online marketplace of services from top-rated providers. Visit AngiesList.com.

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 UÊ Rebecca Lewis -- 2785 Red Wheat Trail, Mission Ventures LLC, $260,500.

UÊ Felix and Heidi Roge -- 840 N 4Th St., Lori J Miller, $321,000.

UÊ Wendy Eidem -- 1374 Tipton St., Saint Aubyn Homes LLC, $370,000.

UÊ Zachary Rankin -- 354 Ellie Way, Saint Aubyn Homes LLC, $380,000.

UÊ James White -- 303 E Colorado Ave., Tobin Blythe, $385,000.

UÊ Jayson and Sarah Mcmurren -- 658 Lene Lane, Saint Aubyn Homes LLC, $389,900.

UÊ Nicholas and Amy Goodwin -- 700 Lene Lane, Saint Aubyn Homes LLC, $398,600.

UÊ Robert and Stephanie Franz -- 1608 Stilt St., Mcdague Invest LLC, $405,000.

UÊ John and Jo Hay -- 1518 Alpine Ave., James and Christine Amsbury, $406,500.

UÊ Joshua Bruder -- 395 Canyonlands St., Saint Aubyn Homes LLC, $413,800.

UÊ Darren and Deborah Hall -- 588 Tristian Place, Saint Aubyn Homes LLC, $440,100.

UÊ Brooks and Jennifer Fleharty -924 Wilshire Drive, Jeffrey and Lori Mckusker, $445,000.

UÊ Daniel Stroh -- 91 Sioux Drive, Teresa and Daniel Pea, $449,900.

UÊ John Hundley -- 548 Wagon Bend Road, Richfield Homes LLC, $451,800.

UÊ Robert Harris -- 2273 Tabor St., Saint Aubyn Homes LLC, $454,800.

UÊ Brandon and Ruby Ruby -- 2167 Lamborn Court, Saint Aubyn Homes LLC, $455,400.

UÊ Daniel and Cherie Murphy -2399 Barela Drive, Aspen View Homes LLC, $456,000.

UÊ Yanelly Figueroa -- 1606 Mount Meeker Ave., Lawrence and Cecelia Haak, $458,900.

UÊ John Pannill -- 823 Canyon-

Loveland Reporter-Herald – AtHomeColorado.com

lands St., Dfh Mandarin LLC, $461,000.

UÊ Greg and Natasha Wojciechowski -- 661 Lene Lane, Saint Aubyn Homes LLC, $472,900.

UÊ Marc and Lindsey Millet -- 656 Great Basin Court, Dfh Mandarin LLC, $500,000.

UÊ Thomas Dempsey -- 1905 Riverview Drive, Laura Meyer, $560,000.

Estes Park UÊ Tracy Steele -- 1155 S Saint Vrain Ave. # 6, Ryan Earl Hoover, $195,500.

UÊ Jodi Roman -- 514 Grand Estates Drive Unit B5, Kathryn R Ford, $295,000.

UÊ Kiel and Megan Pighetti -- 2625 Marys Lake Road Unit 11A, Zoe Condo LLC, $356,000.

UÊ Cynthia Krumme -- 490 Macgregor Ave., Robert Eleanor Mcelroy Family, $390,000.

UÊ Vincent and Theresa Laurent -- 1070 Crestview Court Unit 6, James and Margaret Lawrence, $429,900.

UÊ John Thomason -- 602 Macgregor Ave., Rock Acres LLC, $430,000.

UÊ Laura Boschma -- 2951 Fish Creek Road, David Johnston, $548,000.

Fort Collins UÊ Richard and Patricia Spadaro -- 100 Racquette Drive, 100 Racquette Drive LLC, $110,400.

UÊ Robert Shively -- 421 S Howes St. Apt S804, Don Flick, $234,000.

UÊ Marylynn Miterotonda -- 4560 Larkbunting Drive Apt 6B, Debra Sue Devilbiss, $245,000.

UÊ Alex Chapin -- 2133 Krisron Road Unit D-201, Yan Q Lin, $275,000.

UÊ Gary Movellan -- 6105 Constellation Drive, Pauline S Weatherill, $286,500.

UÊ Erin Hicks -- 2900 Ross Drive Apt K25, Dylan and Joseph Davis, $299,900.

UÊ Reid Brown -- 1732 Brookhaven Circle E Apt A, Carol Mclean, $305,000.

UÊ Thomas and Meghann Post -1615 Underhill Drive Apt 1, Peter B Sahd, $306,000.

UÊ Michael Clausen -- 2606 Countryside Court, Michelle Stone, $316,000.

UÊ Brett Cunningham -- 2005 W Lake St., Mark Lueker, $336,900.

UÊ Eric Eggleton -- 1033 Montview Road, James W Kaltenberger, May 18-19, 2019

$354,500.

UÊ Ê> `Ê >À}>ÀiÌÊ }i >À`ÌÊ Ê ÎÓ{Ê-Ì>À }Ê-Ì°]Ê Ê> `Ê >À iÊ > iâ]ÊfÎxÇ] ää° UÊ ,Þ> Ê> `Ê ViÊ > iÃÊ ÊÓ{ÓäÊ -Õ iÀ«>À Ê > i]Ê- « >ÀÞÊ ]Ê $368,000.

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À Ûi]Ê* «Ê> `Ê,ÕÌ Ê i `]Ê fÎÇä]äää° UÊ >Û `Ê i ÃÌi Ê ÊÓÈäÎÊ iÌÊ > iÊ1 ÌÊ£]Ê >ÀÌv À`Ê iÃÊ Ã> VÊ ]ÊfÎÇä]£ää° UÊ * ««Ê> `Ê >Ê6 >ÕiÀÊ ÊÓxxäÊ ÕÃÌiÀÊ À ÛiÊ1 ÌÊ n]Ê Ê >ÕÀii Ê VÌ ]ÊfÎÇx]äää° UÊ >Ì > Ê+Õ>Þi ÀÌiÞÊ ÊÎ ÓÇÊ iÊ iÛiÀÊ À ÛiÊ1 ÌÊ ]Ê À }à `iÊ 6 >}iÊ >ÃÌÊ V]ÊfÎn£]Îää° UÊ -i> Ê> `Ê Ê ÀiÞÊ Êx£ÎÊ À i Ê Ûi°]Ê >ÕÀ>Ê ««iÀÌ]ÊfÎ ä]äää° UÊ -ÌiÛi Ê Ài > `Ê Ê{{£ÎÊ, ÃiVÀ Ü Ê

ÕÀÌ]Ê >ÀÀi Ê> `Ê > iÊ ««]Ê $400,000.

UÊ À VÊ> `Ê Õ iÊ i Ãi Ê ÊÎÎä£Ê Õ Ã Ê À Ûi]Ê }i >Ê Ê >À`i ]Ê $400,000.

UÊ 7>Þ iÊ> `Ê V iÊ" iÃ Ê ÊÎ{xÊ *iÞÌ Ê À Ûi]Ê À ÃÌ « iÀÊ > iÀ V>ÀÀ]Êf{ä£]äää° UÊ À ÃÌi Ê iViÀiÊ ÊÎnäÎÊ*ÀiV à Ê

À ÛiÊ1 Ì]Ê i `>Ê> `Ê V >i Ê , Ì ]Êf{£ä]äää° UÊ /Þ iÀÊ> `Ê > `>Ê >ÀÀÊ ÊÎäÓÈÊ

iÌÊ-Ì°]Ê >ÀÌv À`Ê ÃÌÀÊ ]Ê $420,000.

UÊ , LiÀÌÊ> `Ê ÃLiÌ Ê > `Ê Ê£n£{Ê / Þ iÊ ÕÀÌ]Ê >Ã Ê Ê i]Ê $420,000.

UÊ > iÃÊ> `Ê-> ÞÊ1«` iÊ ÊÓäänÊ ÕÌÊ > i]Ê i Ì Ê> `Ê `>Ê ÀÕ iÀ]Êf{ÓÓ]äää° UÊ >À Ê> `Ê-ÕÃ> Ê->ÃÃiÀÊ Ê£È££Ê `À i Ê7>Þ]Ê ÛiÀÊ > ÞÊ Û }Ê /ÀÕÃÌ]Êf{Óx]äää° UÊ ,Þ> Ê >Ã Ê ÊÓä{Ê >« iÊ-Ì°Ê1 ÌÊ Óäx]Ê7 > Ê> `Ê i ÃiÞÊ iÃ]Ê $425,000.

UÊ À ÃÌÞÊ-V ÕiÌÌÊ ÊÈ£ÈÊ Ê À Ûi]Ê -ÌiÛi Ê> `Ê > iÌÊ Ý]Êf{Σ]äää° UÊ iÛ Ê7À } ÌÊ ÊÓ{Ó£Ê-Õ LÕÀÃÌÊ

À Ûi]Ê iÛ Ê> `Ê i `ÀiÊ V ]Ê f{ÎÇ]Îää° UÊ iÛ Ê> `Ê i `ÀiÊ V Ê ÊÓÓÓ{Ê -Ì Ü>ÌiÀÊ Àii Ê À Ûi]Ê `ÞÊ Ê >Àà ]Êf{{Ó]äää° UÊ ÕÀÌ iÞÊ ÕV ÃÊ Ê{ÓäÊ7iÃÌÊ -Ì°]Ê-ÕÃ> Ê> `Ê/ Ì ÞÊ Þ ]Ê $442,500.

UÊ À`> Ê ÕÀÀÞÊ ÊnÓÈÊ- ÜÞÊ * > Ê, >`]Ê À ÃÌ >Ê Ê > iÞ]Ê $445,000.

UÊ V >ÃÊ> `Ê iiÊ i ÞÊ ÊÓ {{Ê Ãi« Ê À Ûi]Ê Õ iÊ> `Ê i ÃÃ>Ê

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Õ} >ÃÊ-Õ Û> ]ÊfÎ Ó]äää°

Start your home Search at: www.SellsRealEstate.com www.619Cornerstone.com

Buyer Need

Open Sat 1:00 to 3:00 In Windsor Celebrate Summer on Back Yard Deck Living Room & Family/Rec Rooms in Basement Efficient Kitchen with Plenty of Counter Space

Buyers “Don and Emily” (Made up name to protect the innocent)-and the story is true! Are looking for a home that backs to greenbelt space. They have a young one who likes the outdoors and needs to be safe playing outside. Grandparents come to visit, so need to be able to accommodate them. Prefers a ranch and a finished basement. Price Range: $400,000-600,000

#HappyPetHappyHome

FREE Download - Seller Ebook

$365,000

Chloe is all smiles!

Owner: Gabby Valland

Learn: How To Avoid The 5 Most Expensive Mistakes People Make When They Sell a Home Download your free Ebook today: www.SellersEBook.com

ALWAYS

A Part of the Community Use a local Real Estate Expert. Make sure your agent is a REALTOR member of the Loveland-Berthoud Association of REALTORS®

www.lbaronline.com 14

AT HOME

Loveland Reporter-Herald – AtHomeColorado.com

May 18-19, 2019

Real Estate place yoUr ad:

Real Estate

Beautiful Updated 2BR 2BA Condo in NE Loveland: Main Level /Single Floor, Master Suite w/Walk-in Shower, Faces Park, Fenced & Landscaped, Back Patio, Attached 1Car Garage, Hardwood, Fireplace, Ceiling Fans, All Appliances+ W/D, Kitchen Pantry, Center Island, Lakes, Walking Trails, Dog Park. $280K. Open Sundays.

Seller Pays Closing.

Call for Appointment.

970-412-2575 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.

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

Mobile Homes for Sale Longmont Adult Park 55+ Lot Rent $525/mo Weston Manor MHP

Foothills Apartments 2BR 1BA Units in Loveland:

Lot 22, 2BR 2BA $59,500

Lot 35, 2BR 1 BA $39,900

Rent to Own!

Lot 44, 2BR 1 BA $64,900 Avail Now. Some with AC roseaffordableliving.com

Do You Qualify?

303-946-0865

ERA Tradewind 303-775-0710 www.DevinSells.com

List your stuff and get it done! Call

303-466-3636 970-635-3650 719-275-5300 888-355-0935 May 18, 2019

Call or Text Devin Oâ&#x20AC;&#x2122;Branagan

Water Mineral Want to purchase minerals and other oil/gas interests.

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

Rentals

Longmont 1BR 1BA Apt: Trash, Gas, Water Paid. $975/month + deposit.

No Pets. 303-941-2158 Slavenski8@aol.com

SELL YOUR STUFF!

Available Now. Washer/Dryer in Unit. $1195/month + $1195 deposit, water, sewer, trash included.

Garages Available for Rent. No Pets.

1 Year Lease.

970-669-7850

Longmont 1BR 1BA Apt: Trash, Gas, Water Paid. $800/month + deposit.

303-941-2158 Slavenski8@aol.com

TURN USED ITEMS

into quick cash with Classifieds!

2400 sq ft Business Complex in Loveland: 14x14ft Overhead Door, Bathroom in Unit.

546 SE 8th, End Unit A1, Loveland. $2200/month.

Call 970-237-9067 or 970-371-3282 . No Fri Evening or Sat Calls.

Pinewood MHP, 235 2nd St, Berthoud: $475/mo + $475 dep.

No Dogs. Maximum Occupancy: 2 Adult, 3 Children. RENTED.

Rental Wanted Wanted ASAP! Looking for 1BR Apt or Condo in Loveland: Non-Smoker without Pets. Shared Space Possible.

970-901-7121

Here in Colorado, we like our trails long our mountains high and our news from a Colorado journalist.

Thank you for reading and supporting your local newspaper!

Reporter-Herald

AT HOME

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1222 Crescent Dr, Windsor

26500 County Road 388, Kersey

Brunner Farm Victorian home w/historical personality w/out the maintenance of an old home!

Spacious 5bd/5ba opulent custom home! Classic details, turret, mtn views, carriage home above 2-car garage.

Custom home on the river boasts open ďŹ&#x201A;oor plan.4 bed 4 bath. 68x80 heated shop has 2 oďŹ&#x192;ces. Corral set-up allows for livestock of any kind. Pool and many upgraded features!

$445,000 | MLS #874506

$589,000 | MLS #879576

Listing Agent Russ Loya 970-286-4321 Saturday Host Reneta Bird 970-481-2363 Sunday Host David Brown 970-310-1902

$1,650,000 | MLS #877348

Call Kimberley Hattem

Listed by Amanda Unrein

970-219-2362 khattem@gmail.com

970-978-1714 amandausellshomes@gmail.com

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3408 Green Spring Dr, Fort Collins New Price! Stop by & see this awesome 6bd/4ba home in Fossil Lake Ranch. Situated on a quiet culde-sac, priced right & ready to go.

Donâ&#x20AC;&#x2122;t miss this great opportunity!

732 Deer Meadow Dr, Loveland

Stunning Mariana Butte ranch.Open layout, great rm w/FP w/ďŹ&#x201A;r to ceiling stone & wooden mantle. Hardwd, stone accents, crown molding, plantation shutters. 4 car w/heater, epoxy ďŹ&#x201A;rs, RV door. 2-sided FP to covered patio overlooking stunning landscape & golf course views. $699,000 | MLS #868399

1149 Coral Burst Dr, Loveland

Custom Hawkstone Builders plan. Full UF walk-out bsmt.

Hardwd, granite in kitchen & baths, ďŹ replace, alder Tharp cabinetry, SS app pkg, gas cooktop, double ovens, fridge, tankless H20 heater, A/C, deck, lower patio, 3 car garage, covered porch.

309 Fossil Dr, Johnstown JUST LISTED! Lovely Woodcrest home on large corner lot in Rocksbury Ridge. Side-gate entry for all your toys, west facing drive, covered front porch perfect for patio chairs & some lemonade!

Sound like home? $410,000 | MLS #881067

$590,000 | MLS #836303

Call Dennis Schick

Listed by Charlene Hart

Call Dennis Schick

970-567-3942 dschick001@outlook.com

970-6904413 Charlene.Hart@remax.net

970-567-3942 dschick001@outlook.com

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7609 E County Road 18, Johnstown Gorgeous 5bd/4bth home on 5ac w/mtn views! Covered deck.

Room for it all: horses, 40â&#x20AC;&#x2122; drive thru outbuilding, RV parking pad w/elec & RV sewer dump.

Call for more info or your own private showing!

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195 Carina Cir 105, Loveland

Immaculate, turnkey townhomestyle condo w/detached garage in Stone Creek! Open ďŹ&#x201A;r plan, ďŹ replace.

All appls included! Community pool, hot tub, gym & clubhouse! Easy access to US 34, Downtown Lvld & 402 Corridor!

$825,000 | MLS #878944

Call Kit Magley

303-775-5177 kitmagley@remax.net

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$277,500 | MLS #881039

2898 Pawnee Creek Dr, Loveland WALKOUT BASEMENT w/ FULL KITCHEN! Ranch Style 4 Bed/ 4 Bath/ 3 Car w/ Chef â&#x20AC;&#x2122;s Kitchen, Low MX yard, & Upgrades Galore! Home is 2 years old & like-new!

Listed Tamera Nelson

$657,000 | MLS #880115

970-420-0040 Hosted by Kenneth Moore 970-578-0133

Listed Katie Beamon

970-877-8994 katiehelpedme@gmail.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 oďŹ&#x20AC;ers 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 | (970) 226-3990 125 S. Howes St, Ste 120, Fort Collins | (970) 482-1781 750W Eisenhower, Loveland | (970) 669-1234 1275 58th Ave, Ste A, Greeley | (970) 330-5000 2006 Cleveland Ave,Wellington | (970) 206-8343

Loveland Reporter-Herald â&#x20AC;&#x201C; AtHomeColorado.com

May 18-19, 2019