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POINSETTIAS BLOOM

for the Holidays

Quick Guide and Featured Open Homes

Holiday Ski Lodge Look Ushers In The Season

Everything You Need to Know to Refinance Your Mortgage

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

Warm, cozy sweaters, woodsy plaid, crisp snow and winter wildlife all contribute to this stylish holiday look.

If you’re considering a refi, you may know that your need to keep any eye on interest rates, but there are other steps you should be aware of.

November 30-December 1, 2019

Loveland Reporter-Herald – AtHomeColorado.com

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atHome COLORADO HOME AND REAL ESTATE

STYLE AT HOME

Holiday ski lodge look ushers in the season

ATHOMECOLORADO.COM CONTRIBUTING WRITERS Carol O’Meara Ed Del Grande Rick Jacquemard Cathy Hobbs Beth Braverman Katie Laughridge ADDITIONAL CONTENT Tribune News Service ADVERTISING CONSULTANTS Thais Hafer, Toni McNeill EDITOR/FEATURES COORDINATOR Misty Kaiser

Add in some unexpected items to your holiday display. (Handout/TNS)

By Katie Laughridge Tribune News Service (TNS)

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.

FACEBOOK.COM/ ATHOMECOLORADO

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The holidays are such a magical time of year. I used to think the sparkle and thrill would wear off with age, but I could not have been more wrong. Of course, the season has changed over the years, from the anticipation of Santa coming to my house as a young child to the nostalgia I felt coming back to visit my family during my young adult years and now having the chance to create lasting memories for my own family. My 3-year-old is finally old enough to start understanding the importance of Christmas, so this part of my adventure is only beginning. All of these memories were playing in my mind earlier this year as I shopped for the Christmas looks I wanted to bring into the shop.

Going to market is an amazing experience, but it is easy to get sensory overload with the volume of options. I knew I wanted to bring in a look that encompassed how I feel around this time and how I want others to feel when they visit. I kept coming back to one word in my mind: cozy.

That is why our ski lodge look has become one of my absolute favorites this year. While we may be short a few mountains here in Kansas City, the feeling of warmth, comfort and relaxation

The different textures, finishes and colors of the plaid ornaments create a full and dimensional tree. (Handout/TNS)

die-for green windowpane sofa. that comes with the rich red hues, soft plaids and fresh wood tones The best part about the accents is something that resonates even is you can tie in the same display here on the plains. throughout multiple rooms with The colors in this Christmas just a few textile touches. display are deep and traditional, ——— with dark crimson and fresh Adapted from nellhills.com. winter greens that pair perfectly Katie Laughridge is the owner with birch branches and of Kansas City interior design ornaments to create a stunning, destination Nell Hill’s. For more woodsy atmosphere. Adding in some unique items like snowshoes information, contact Katie at or antique-inspired wooden skis info@nellhills.com. rounds out the theme and creates a visual feast. We also mixed in a variety of reindeer accents, because what’s a winter woodland scene without a few majestic creatures? All you need is a home or aspen candle burning and you are transported to a cabin getaway.

This is the perfect display in which to go plaid-happy. The different textures, finishes and colors of the plaid ornaments this year were so fun to play with. It was easy to create a full and dimensional tree with so many stunning options. I might find a way to keep the felt and velvet plaid ones around through the new year.

The ski lodge look gives a feeling of warmth, We incorporated the comfort and relaxation from the rich red hues, soft plaids and fresh wood tones. (Handout/ plaid with throw pillows, TNS) blankets and even a to-

Loveland Reporter-Herald – AtHomeColorado.com

November 30-December 1, 2019

DESIGN RECIPES

How to purge and repurpose items before holiday overload hits

By Cathy Hobbs Tribune News Service (TNS) The holiday season is officially upon us. From gifts and gadgets to holiday decor, a lot of items will fill the home. Some will be treasured, others admired, and some will need to be removed and/or purged. But what about items that could be repurposed and reused? Now is an ideal time to start thinking of ways to give new life or renewed purpose to some household items. Don’t know where to start? Here are some tips to help set you on the right path.

What to purge 1. Ask yourself if something will continue to be of use and value. If the answer is no, remove it.

2. Is the item broken or in need of repair? If the item can’t be fixed or won’t have the same appeal once repaired, toss it.

3. Do you have decor items

home.

2. Get crafty. What’s old is new again. Can’t use that item?

Look for ways it can be taken apart and transformed.

3. Swap. Many communities have clothing and equipment swaps. Why not swap decor items with a friend?

4. Donate. A worthy and wellmade item you can no longer use is an ideal item to donate so someone else can enjoy it.

5. Paint. Sometimes an item can be repurposed by changing the color or finish with paint or varnish.

It’s a great time to purge and repurpose items in your home before the holiday season takes over. (Dreamstime/TNS)

from a previous home that you are saving but dpesn’t fit into your current home? If so, donate them.

4. Take an inventory in your home and decide what is a necessity and what isn’t. An item that once brought you joy and is now in a box may be best suited for a new home.

5. Edit and then edit again.

Take an inventory of what you are truly using or plan to use and remove the excess.

How to repurpose 1. Shop your house. Instead of tossing an item, look for where it may be able to reused within your

———

Cathy Hobbs, based in New York City, is an Emmy Awardwinning television host and a nationally known interior design and home staging expert with offices in New York City, Boston and Washington, D.C. Contact her at info@cathyhobbs.com or visit her website at cathyhobbs. com .

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November 30-December 1, 2019

Loveland Reporter-Herald – AtHomeColorado.com

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COVERPROFILE

Adding holiday accent to the home can turn everyday people into divas as demanding for cutting edge as a haute couture CAROL designer. To O’MEARA keep your Colorado State University Extension crown as the number one seller, you have to have the looks of a starlet, please contemporary or traditional tastes, and be low maintenance, all while performing like a champ.

Not an easy feat if you’re a houseplant. But for the poinsettia, varieties have taken a turn towards colors and styles that wow the savvy plant person who know where to look. Yet the stamina to make it through the holidays rests in the hands of the growers and the shoppers.

“You can find a poinsettia at every retail outlet you can think of, but if you want novel, you have to go to the independent garden centers,” Says Dr. Steven Newman, Greenhouse Crops Extension Specialist and Professor of Floriculture at Colorado State University. “There is some diversity offered at the box stores, but the independents get more designer types.”

Sure, red is still king, but salmons, pinks, purples and whites sit along side flecked and variegated varieties, perfect as an unusual spark to set off the home. Sizes vary from minis and pixies – ideal for small tables - to standards and larges for floor displays.

Development of new poinsettias has taken off due to its popularity as a year round houseplant in many other nations, Newman said. Only in the United States is it just a Christmas plant.

Colorado has excellent poinsettia growers that supply high quality plants to retailers small and large. But once the 4

AT HOME

POINSETTIAS BLOOM

for the Holidays

plants leave the shelter of the greenhouse, their health can get risky.

“If you want quality, you get what you pay for,” Newman says, “and smaller retailers have staff on hand that’s trained to care for the plants so they’re healthy when they go home with a shopper.

Plus, they don’t park them near the door where chill wind blasts this tropical plant.”

Get the most from your poinsettia with these tips from Steve Newman: UÊ Start by choosing plants with plump, full anthers in the yellow center of the colorful bracts. If the anthers are dried up and the pollen is shed, move on – the plant is spent.

UÊ Look for deep green leaves on sturdy branches that are held slightly upwards, at 60-degree angles, instead of straight out from the stem. They won’t break as easily.

UÊ Pick plants that are kept in an area well away from the door.

UÊ Have the checkout clerk wrap your poinsettia before you

take it from the store and drive it immediately home.

Temperatures less than 45 are chill enough to kill the plant.

UÊ Place in bright, indirect light away from drafts.

UÊ Water regularly so they won’t lose their leaves from stress, but there’s no need to fertilize.

Check out the Colorado State University Horticulture Center’s poinsettia sale, where poinsettias grown by students are available for $10 per 6-inch pot. Many new and interesting cultivars are available at this fundraiser, which supports the horticulture program.

Carol A. O’Meara is an Extension Agent – Horticulture Entomology at Colorado State University Extension Boulder County. For more information contact CSU Extension at the Boulder County Fairgrounds, 9595 Nelson Road, Box B, Longmont, 303.678.6377, e-mail comeara@bouldercounty.org or visit ext.colostate.edu/boulder.

Loveland Reporter-Herald – AtHomeColorado.com

IF YOU GO: The poinsettia sale runs December 9 through 13, 3 p.m. to 6 p.m. at the CSU Horticulture Center, 1707 Centre Ave., Ft. Collins (facebook.com/ csuhortctr/). Shop early for best selection.

November 30-December 1, 2019

ASK THE EXPERT

Making Sense Of Your Inspection Report Whether you’re buying or selling a home, the home inspection is a critical element in the process.

The home

BY RICK JACQUEMARD inspection is an opportunity Flatirons Home Inspections to get a professional inspector’s unbiased view of the exact condition of the property There are some basic tips that can help you understand a home inspection report more effectively.

By taking a few minutes to familiarize yourself with these tips, you will be able to get the most out of your inspection and be able to speak freely about it with your home inspector.

Do a walk-through of the inspected property with your inspector. Most inspectors will most likely have completed an inspection and then ask you and or your realtor to join them on a walk-through of the property.

By doing an inspection and then a walk-through with clients the inspector will have, in essence, done the inspection twice. You should feel free to ask questions if, at any point, you don’t understand what the inspector’s looking at or talking about. Most professional home inspectors will be more than happy to explain things as they go along and answer any questions you may have.

Although inspections will cover most aspects of the house

vPlumbing The general home inspection should cover all interior plumbing.

If the house is older, are any of the pipes made of lead? Depending on the age and location of the home you may want to have a sewer scope performed by a sewer/ plumbing company to determine the condition of the pipes outside the house.

from the shingles on the roof to the basement/foundation and everything in between, certain sections are decidedly more important. This can be due to the cost of the repair or the fact that it could be dangerous to ignore a repair. Some of these would be: Electrical Systems This area must be up to code and in good condition. If your inspector is talking about things like GFCI or double lugged breakers and you have no idea what they are, ask.

Roofs Be sure the roof has been checked for signs of damage to shingles or other roofing materials, damage to gutter systems, flashing and or chimneys.

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HVAC systems The age and functionality of heating and cooling systems should be checked. Your inspector may recommend service by an HVAC professional based on the age and available service records of the system.

The most important thing to remember about a home inspection is never be afraid to ask questions, whether it is during the walk-through or after you receive the final report from the inspector.

Often, home buyers will think of more questions after reviewing an inspection report, give your inspector a call if you do.

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

Is 2020 the year for you to move to your new home?

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(970) 532-2620 November 30-December 1, 2019

Loveland Reporter-Herald – AtHomeColorado.com

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OPEN HOUSE

LIST YOUR OPEN HOUSE

QUICK GUIDE

VISIT OPENHOMES.ATHOMECOLORADO.COM OR CALL 303.473.1456, 303.684.5329 675 Amelia Lane (Sales Center) Starting at $434,900 Saturday 11:00 AM-5:00 PM Marlita Lazo Markel Homes (303) 651-9565

Berthoud 2156 Elmwood St $590,000 Saturday 1:00 AM-4:00 PM Matt Shoup C3 Real Estate Solutions (970) 217-6060

675 Amelia Lane (Sales Center) Starting at $434,900 Sunday 11:00 AM-5:00 PM Marlita Lazo Markel Homes (303) 651-9565

Boulder 6182 Habitat Dr $475,000 Sunday 2:30 PM-4:30 PM Anna Gayer RE/MAX Alliance (720) 219-9886

2459 Jonquil Ct $728,500 Saturday 12:00 PM-2:00 PM Pat Kahler LoKation Real Estate - Longmont (303) 589-5752

Lafayette 928 Cimarron Drive (Sales Center) Starting at $429,900 Saturday 11:00 AM-5:00 PM Tracy Carruth Markel Homes (720) 324-8350 928 Cimarron Drive (Sales Center) Starting at $429,900 Sunday 11:00 AM-5:00 PM Tracy Carruth Markel Homes (720) 324-8350

Longmont

5801 Grandville Avenue (Sales Center) Starting at $599,900 Sunday 11:00 AM-5:00 PM Roz Pinon Markel Homes (720) 583-2170

Louisville 1320 Snowberry Lane (Sales Center) Starting at $404,900 Saturday 11:00 AM-5:00 PM Michele Steward Markel Homes (303) 604-9196 1320 Snowberry Lane (Sales Center) Starting at $404,900 Sunday 11:00 AM-5:00 PM Michele Steward Markel Homes (303) 604-9196

Loveland

1776 Sunshine Ave $475,000 Saturday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

106 N Pamela St New Homes from the $300’s to $400’s Friday - Sunday 9:00 AM-5:00 PM Bill Orton LC Home (303) 587-4085

5801 Grandville Avenue (Sales Center) Starting at $599,900 Saturday 11:00 AM-5:00 PM Roz Pinon Markel Homes (720) 583-2170

106 N Pamela St New Homes from the $300’s to $400’s Tuesday 9:00 AM-5:00 PM Bill Orton LC Home (303) 587-4085

EVENTS

FOOTHILLS TREE FOR ALL CHRISTMAS TREE RAFFLE

NOVEMBER 29

DECEMBER 7

The Muse Performance Space 200 E. South Boulder Road, Lafayette

The Ranch Events Complex 5280 Arena Circle, Suite 100, Loveland

ERNIE HAASE & SIGNATURE SOUND

DECEMBER 11 Roberta Price Auditorium/ Thompson Valley High School 1669 Eagle Drive, Loveland

4805 Mariana Hills Circle New Homes From The $600’s to $700’s Tuesday 9:00 AM-5:00 PM Matt Walkowicz LC Home (970) 217-4787

Windsor 5510 Fairmount Dr $635,000 Saturday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250 5510 Fairmount Dr $635,000 Sunday 1:00 PM-4:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

INTERESTED IN TICKETING WITH US?

ADAM BARTCZAK AND THE DEMOCRACY

A JAZZY LITTLE CHRISTMAS

4805 Mariana Hills Circle New Homes From The $600’s to $700’s Friday - Sunday 9:00 AM-5:00 PM Matt Walkowicz LC Home (970) 217-4787

CALL 720.310.0641 OR VISIT COLORADOBOXOFFICE.COM

UPCOMING EVENTS

DECEMBER 7 Rebecca Folsom and Sally Barris The Muse Performance Space, Lafayette

DECEMBER 13 Rachel Cole: Sounds of the Season The Muse Performance Space, Lafayette

DECEMBER 20 Foundry Quartet

HOLIDAY SHOW: JOY TO THE WORLD DECEMBER 14-15 Center for Musical Arts 200 E. Baseline Road, Lafayette

The Muse Performance Space, Lafayette

DECEMBER 21 Amelie Quartet

The Muse Performance Space, Lafayette

MARCH 23 Tony DeSare Trio

Roberta Price Auditorium, Loveland

P U R C H A S E T I C K E T S AT W W W. C O L O R A D O B O X O F F I C E . C O M 6

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Loveland Reporter-Herald – AtHomeColorado.com

November 30-December 1, 2019

OPEN HOUSES FEATURED ATHOMECOLORADO.COM/OPEN-HOUSES

OPEN SATURDAY 1PM - 3PM 2693 Antila Court, Loveland Co 80537

$399,900 Great 3 bed, 3 bath home with 3-car tandem garage on corner lot. Master suite has 5-piece b bath with walk in closet. Main floor has kitchen w with stainless appliances & granite countertops, separate dining, family room, and ½ bath.

U Unfinished basement has stained concrete floor.

This home is a must see. MLS#898564 Jo Carney 970-310-1836

LIST YOUR OPEN HOUSE

VISIT ATHOMECOLORADO.COM/SUBMIT-OPEN-HOUSE OR CALL 303.473.1456, 303.684.5329

Open House Saturday 1-4pm

Featured Property

Featured Property

Featured Property

Featured Property

2156 Elmwood St, Berthoud $590,000 • MLS# 896185 4 Beds • 3 Baths • Total Sq. Ft. 3,743 Custom built home! Amazing mountain views, bright white kitchen with granite countertops, and beautiful hardwood floors. Big back yard with flagstone patio and play area. Excellent schools and nearby lake access. No Metro tax!

1441 Shelby Dr, Berthoud $1,075,000 • MLS# 892654 6 Beds • 5 Baths • 3 Car Garage Amazing 2 story home with over 5000 finished square feet and room for everybody. Professionally finished basement, inground swimming pool and hot tub. Near Carter Lake, Flatiron & Pinewood Reservoir.

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

7092 N County Road 15, Fort Collins $1,450,000 • MLS# 885111 5 Beds • 3 Baths • 18 Car Garage OPEN zoning & NO HOA. 56.81 Lush acres +/- w/ 2 lakes & 1 share of North Poudre Water. 3200 SF heated shop/garage w/ 2 14X14 doors. 3 loafing sheds, tack rm, 3 irrigated pastures & 5700 SF Sprawling ranch.

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

87 Jasper Lake Rd, Loveland $2,100,000 • MLS# 883896 5 Beds • 5 Baths • 6 Car Garage Full custom home w/ high end finishes. Private gate, lake & island w/ 800 feet of Big Thompson River front & 1 share of water on 53 acres. RV/Boat parking, asphalt drive + an attached luxury 6 car garage w/ over 2200 sq. ft.

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

237-243 Jefferson St, Fort Collins $1,775,000 • MLS# 890679 3 commercial spaces totaling over 4562SF PLUS add 2,387SF of residential w/ 8-10 private parking spaces. Residential unit includes all improvements/ furnishings for turn-key operation. Separate entrance to each unit, original hardwood floors, A/C, vintage ceiling tiles, historic brick exterior.

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

Featured Property

Open House Saturday 12-3pm & Sunday 1-4pm

Open House Saturday 12-3pm

Under Contract

Open House Saturday 1-4pm

2830 Center Ridge, Berthoud $1,100,000 • MLS# 898453 5 Beds • 5 Baths • 3 Car Garage 6123 Sq. Ft. of luxury w/private courtyard, enclosed balcony & expansive trex deck. Stone, stucco, iron, hardwood floors, vaulted ceilings, gourmet kitchen w/ss Appliances & granite slab, master suite w/ retreat, 5 pc bth & walk-in closet.

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

5510 Fairmount Dr, Windsor $635,000 • MLS# 898903 4 Beds • 4 Baths • 3 Car Garage Desirable Highland Ridge featuring a main floor master suite, gourmet kitchen with gas range and dbl ovens, huge trex deck to relax or entertain + an oversized finished garage.

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

1776 Sunshine Ave, Longmont $475,000 • MLS# 899321 4 Beds • 3 Baths • 2 Car Garage Amazing property with main floor master, office, laundry & gourmet kitchen. 2 additional beds, loft and full bath up.

Fireplace, Central AC, hardwood floors and so much more.

Ben Wishart 970-402-8119 bwishart@c3-re.com

943 N County Road 29, Loveland $1,500,000 • MLS# 898454 4 Beds • 4 Baths • 8 Car Garage Spectacular property on 35 lush acres w/ 2 natural spring-fed ponds. Detached shop/garage plus beautiful & peaceful landscaping. Sellers have put over $200,000 into this property Jesse Laner John Simmons 970-672-7212 970-481-1250 jlaner@c3-re.com jsimmons@c3-re.com

413 Horizon Cir, Greeley $1,250,000 • MLS# 889768 6 Beds • 5 Baths • Total Sq. Ft. 1,155 • 4 Car Garage 9298 Sq. Ft. Estate perched on 1.31 Acres & Located in Popular Poudre River Ranch. Luxury finishes inside & out. Walk-out bsmt, wet bar, theatre, exec office, loft, formal dining & main floor master.

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

Matt Shoup 970-217-6060 matt@mattshoup.com

www.MyColoHome.com November 30-December 1, 2019

970.225.5152 • C3 Real Estate Solution, LLC. Loveland Reporter-Herald – AtHomeColorado.com

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REAL ESTATE

Everything you need to know to refinance your mortgage

By Beth Braverman Bankrate.com (TNS) You may have thought that once you purchased your home and took out a 30-year mortgage, you’d never have to apply for a mortgage again. After a few years, however, you may decide that it makes sense to refinance your home loan. Here’s what you need to know: What Is Mortgage Refinancing?

Refinancing a mortgage means you get a new home loan to replace your existing one. If you can refinance into a loan that has a lower interest rate than you’re currently paying, you may be able to save money. The best time to consider doing a refinance is when interest rates fall sharply, and sink well below the level they were at when you closed on your original mortgage. Another good opportunity is when your credit improves to the point where a new loan has a lower interest rate.

As a rule of thumb, it’s worth considering a refinance if you can lower your interest rate by at least half a percentage point, and you’re planning to stay in your home for at least a few years. You can find and shop refinance lenders in your area here.

Why You Should Consider Refinancing There are a variety of reasons that might make financial sense to refinance your home loan: — To reduce your monthly mortgage payment by securing a lower interest rate — To get a shorter term, such as a 15-year loan to replace a 30year mortgage, so you can pay it off faster and pay a lot less in total interest — To switch from an adjustable-rate mortgage to a fixed-rate loan — a smart move if you think rates are going to go up in the future — To extract cash from your home’s equity in what’s known as a cash-out refinance — To eliminate mortgage insurance if you’ve built up 20% equity in your home

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How To Refinance Your Mortgage The process of refinancing is similar to getting a mortgage when you purchase your home.

but you’ll get better rates and fewer fees if you have more than 20% equity. The more equity you have in your home, the less risky the loan is to the bank or lender.

Step 1: Set A Clear Financial Goal.

There should be a good reason why you’re refinancing, whether it’s to reduce your monthly payment, shorten the term of your loan, or pull out equity for home repairs or debt repayment.

“Every situation is unique,” says Ann Thompson, Bank of America’s head of retail sales West. “Everyone has different priorities.”

What to consider: If you’re reducing your interest rate but restarting the clock on a 30year mortgage, you may end up paying less every month, but more over the life of your loan. That’s because the bulk of your interest charges are in the early years of a mortgage.

Step 4: Shop Multiple Lenders.

Getting quotes from multiple lenders can save you thousands of dollars. Once you’ve chosen a lender, discuss when it’s best to lock in your rate and not having to worry about rates climbing before your loan closes.

What to consider: In addition to comparing interest rates, pay attention to the cost of fees and whether they’ll be due upfront or rolled into your new mortgage.

Lenders sometimes offer “noclosing cost loans” but charge a higher interest rate or add to the loan balance.

Step 2: Check Your Credit Score And History.

You’ll need to qualify for a refinance, just as you needed to get approval for your original home loan. The higher your credit score, the better refinance rates lenders will offer you–and the better your chances of underwriters approving your loan.

What to consider: It may make sense to spend a few months boosting your credit score before you start the refinancing process.

Step 3: Determine How Much Home Equity You Have.

Your home equity is the value of your home in excess of what you owe the bank on your mortgage. To figure it out, check your mortgage statement to see your current balance. Then check online home search sites or get a real estate agent to run an analysis to find the current estimated value of your home. Your home equity is the difference between the two. For example, if you still owe $250,000 on your home, and it is worth $325,000, your home equity is $75,000.

What to consider: You may be able to refinance a conventional loan with as little as 5% equity,

Step 5: Be Transparent About Your Finances.

Gather recent pay stubs, federal tax returns, bank statements, and anything else your lender requests.

Your lender will also look at your credit and net worth, so disclose your assets and liabilities upfront.

What to consider: Having your documentation ready before starting the refinancing process can make it go more smoothly.

Step 6: Prepare For The Appraisal.

Some lenders may require an appraisal to determine the home’s current market value for a refinance approval.

What to consider: You’ll pay a few hundred dollars for the appraisal. Letting the lender know of any improvements or repairs you’ve made since purchasing your home could lead to a higher appraisal.

Step 7: Come To The Closing With Cash, If Needed.

The closing disclosure, as well as the loan estimate, will list how much money you need to pay out of pocket to close the mortgage.

What to consider: You might be able to finance those costs, which typically amount to a few thousand dollars, but you’ll likely pay more for it through a higher rate or loan amount.

Loveland Reporter-Herald – AtHomeColorado.com

Step 8: Keep Tabs On Your Loan.

Store copies of your closing paperwork in a safe location and set up autopayments to make sure you stay current on your mortgage. Many lenders will also give you a lower rate if you sign up for autopayment.

What to consider: Your lender might resell your loan on the secondary market either immediately after closing or years later. That means you’ll owe mortgage payments to a different company, so keep an eye out for mail notifying you of any such changes.

Benefits Of Refinancing Your Mortgage — Free up money each month.

A rate-and-term refinance replaces your mortgage with a new loan that has a lower rate, meaning you have to pay less to your lender each month. “There’s a significant opportunity to reduce your monthly cash requirements,” says Glenn Brunker, a mortgage executive with Ally Home.

“Depending on the size of your mortgage, it could be $75 or $100 per month, or even several hundred dollars a month.”

— Pay your home off more quickly. You may be able to refinance into a loan with a lower interest rate and a shorter term.

The savings in interest payments could be substantial, for example, if you’re able to refinance into a 15-year mortgage from a 30year loan. Still, if you’re putting more cash into paying off your mortgage, you may have less money on-hand for expenses like saving for retirement, college or an emergency fund.

— Eliminate private mortgage insurance. If your original down payment was less than 20 percent, you have likely been paying private mortgage insurance, or PMI, an extra fee on every payment. If rising home values and your loan payments have pushed your home equity above 20 percent, you might be able to refinance into a new loan without PMI. — Tap your home’s equity.

Homeowners with at least 20% equity in their home sometimes turn to cash-out refinancing.

November 30-December 1, 2019

That’s when you refinance your home loan into a new mortgage for a larger amount, to meet a specific financial need and receive the difference in cash. This may make sense if you’re considering using the money to invest back into your home through a major remodeling project or to pay off high-interest debt.

— Lock in a fixed-rate mortgage. If you’re in an adjustable-rate mortgage that’s about to reset and you believe that interest rates are going to rise, you can refinance into a fixedrate loan. Your new rate might be higher than what you’re paying now, but you’re guaranteed that it won’t rise in the future.

Risks And Costs Of Refinancing Your Mortgage While refinancing can be a smart move, it’s not right for everyone. Refinancing can be a mistake if you aren’t able to lower your interest rate by much or you incur a lot of fees. Here’s what to keep in mind: — Refinancing isn’t free. Your refinanced mortgage comes with costs, such as origination fees, an appraisal, title insurance, taxes and other fees, just like your original mortgage. Even if the refi results in a lower monthly

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 Micah and Rachael Gebhardt -2470 Nicholson St., R D Homes LLC, $362,500.

UÊ Zachary and Jackie Gilbert -- 1129 Little Branch Lane, Twin Pines Invest Group LLC, $382,500.

UÊ Marilyn and Michael Reinwald -- 311 E Iowa Ave., Benjamin and Niomi Pfohl, $412,000.

UÊ Ivan and Marie Baker -- 204 Sioux Drive, Steven and Shelly Johnson, $415,000.

UÊ Benjamin and Niomi Pfohl -- 921 Kansas Ave., Jay E Ellis, $425,000.

UÊ Michael Shoffner -- 696 Great Basin Court, Benjamin D Trexler, $465,000.

UÊ Larry and Jody Hoffman -- 3111 Megan Way, Brian and Brandi NelNovember 30-December 1, 2019

payment, you won’t actually save money until the monthly savings offset the cost of refinancing.

You’ll need to do some math (use this calculator) to figure out how many months it will take to reach this break-even point. If there’s a chance you’re going to move before then, refinancing is probably not the best move.

— You may have a prepayment penalty. Some lenders charge you extra for paying off your loan amount early. A high prepayment penalty could tip the balance in favor of sticking with your original mortgage.

— Your total financing costs can increase. If you refinance to a new 30-year mortgage, you’re likely going to pay significantly more interest and fees over the life of your loan than if you’d kept the original mortgage.

No Cash-Out Refinance Vs. Cash-Out Refinance: What’s The Difference?

When you refinance in order to reset your interest rate or term, or to switch, say, from an ARM to a fixed-rate mortgage, that’s called a no cash-out refinancing, or a rateand-term refinancing. Rate-andterm refinancing pays off one loan with the proceeds from the new loan, using the same property as

collateral. This type of loan allows you to take advantage of lower interest rates or shorten the term of your mortgage to build equity more quickly.

By contrast, cash-out refinancing leaves you with more cash than you need to pay off your existing mortgage, closing costs, points and any mortgage liens. You can use the cash for any purpose. To be eligible for cash-out refinancing, you typically need to have at least 20% equity in your home.

Example Of A No Cash-Out Refi (Or A Rate-And-Term Refi): Jessica gets a $100,000 mortgage with an interest rate of 5.5 percent. Three years later, interest rates have fallen and Jessica can refinance with an interest rate of 4 percent. After 36 on-time payments, she still owes about $95,700.

In this situation, Jessica can save more than $100 per month by refinancing and starting over with a 30-year loan. Or she can save $85 per month, while keeping the loan’s original payoff date, paying it off in 27 years, and also reducing the total cost of the loan by about $8,000. Better still in terms of saving on interest would be to refi into a 15-year loan. The

UÊ Bradon and Elizabeth Loyd -- 4309 Gemstone Lane, Scott and Jenette Hofer, $300,000.

UÊ Matthew Vermeern -- 3815 Celtic Lane Unit, Frank O Martinez, $310,000.

UÊ Andrew and Amy Stahl -- 2608 Kansas Drive Apt D-125, Richard B Estes Park Nelsen, $315,000.

UÊ Rae Bauer -- 1017 Pine Knoll Drive, UÊ Donna Stavely -- 2320 Clipper Way, Rosa Scolari, $480,000.

Anthony E Montedonico, $350,000.

UÊ Rande and Heather Colburn -- 940 UÊ Robert Hayes -- 2601 Treemont Rambling Drive, Donald and Mary Drive, Ronald and John Mcarthur, Fredrickson, $580,000. $365,000.

UÊ Guy and Kathleen Wagner -- 930 UÊ Ian and James Gibson -- 1412 Lakeshore Drive, Thomas Floyd Glen Haven Drive, Leonard Gates, Weitzel , $800,000. $382,000.

UÊ Gregory and Riley Hubbard -- 402 Peyton Drive, Chill Properties LLC, Fort Collins $385,000.

UÊ Curtis Haid -- 1717 W Drake Road Apt 6D, Henry and Kathleen FedUÊ Ying Yuan -- 2045 Falcon Ridge erico, $218,000.

Drive, Christopher J Villegas, $390,000.

UÊ Andrew Gray -- 5620 Fossil Creek Parkway Unit 11207, C S Holding UÊ John Rogers -- 3045 Laporte Ave., LLC, $260,000.

William Patrick Vanliew, $400,000.

UÊ Eric Stone -- 986 Richmond Drive UÊ Christine Gibbs -- 3081 Denver Apt 3, Hongyan Xiang, $292,500.

Drive, Sam and Karrie Brown, $400,000.

UÊ Nicole Reichelderfer -- 3105 Swallow Place, Wayne and Linda UÊ Zachary Bennett -- 3608 ObservaWillkomm, $299,000. tory Drive, Rita R Embry, $405,000.

Loveland Reporter-Herald – AtHomeColorado.com

son, $835,000.

UÊ Kevin and Janine Vining -- 3490 Dovetail Drive, Thomas and Melinda Metcalf, $945,000.

UÊ Michael and Lisa Springer -- 2083 Doyle Drive, Peter Robbiano, $1,050,000.

monthly payments will be higher but the interest savings is massive.

Example Of Cash-Out Refinancing: In this case, Christopher and Andre owe $120,000 on a mortgage on a home that’s worth $200,000. That means that they have 40 percent, or $80,000, in equity. With a cash-out refinance, they could refinance for more than the $120,000 they owe. For example, they could refinance for $150,000. With that, they could pay off the $120,000 on the current loan and have $30,000 cash to pay for home improvement and other expenses.

That would leave them with $50,000, or 25% equity.

Next Steps: How To Get The Best Refinance Rate Once you’ve determined why you want to refinance and the type of loan you want, you’re ready to shop lenders and compare refinance rates. Get quotes from at least three lenders, including a mortgage broker, a bank and an online lender. Be sure to compare both their rates as well as fees and other charges that could add to the overall cost of the loan.

Visit Bankrate online at bankrate.com

UÊ Gerald and Kristen Moon -- 6401 Finch Court, Joan and A Waite, $410,000.

UÊ Sara Garzaoguin -- 3002 Denver Drive, Andrew Hoffmeyer, $415,000.

UÊ Colleen Sidhu -- 2107 Creekwood Court, Mary L Heaton, $419,000.

UÊ David Hughes -- 912 Driftwood Drive, Kevin and Rebecca Kronenbitter, $420,000.

UÊ John and Mary Dynan -- 5166 Grand Cypress Court, Margaret Nelson Trust, $425,000.

UÊ Zachary and Melissa Yarbrough -- 1604 Shenandoah Circle, M and Mark Langness, $425,000.

UÊ Jordon Passick -- 2921 Reliant St., Calatlantic Group Inc, $440,000.

UÊ Daniel Jones -- 401 S Grant Ave., Ethan A Unger, $442,000.

UÊ Krista and John Dias -- 918 Marshall St., Catherine I Grassman, $446,000.

UÊ Hongyan Xiang -- 2518 Ridge Creek Road, Paul and Brandy Nelson, $479,500.

UÊ Elizabeth and Stanley Johnston -- 718 Noriker Drive, Michael and Elizabeth Lowry, $528,000.

UÊ Aubrey Donaghue -- 1169 Hornet AT HOME 9

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Drive, Lokal Registry Towns LLC, $529,900.

Sascha and Carolyn Meyer -- 3908 Grand Canyon St., Michael and Julia Jones, $600,000.

Michael and Janna Kane -- 5826 Northern Lights Drive, Kurt Herrmann, $620,000.

David Kosiba -- 6209 Clymer Circle, Loren and Lorraine Cordain, $635,000.

Gabriel Donaldson -- 1832 Ramsgate Court, Mchugh Tile Stone LLC, $640,000.

Scott Sebastian -- 4763 Prairie Vista Drive, Bak Light LLC, $650,000.

Hoang Dieu -- 5908 Fall Harvest Way, Toll Co I LLC, $658,100.

Robert Drew -- 910 Hill Pond Road # 16, Collins Square LLC, $675,000.

Lorraine and Loren Cordain -2808 Moore Lane, Mark Lehrner, $690,000.

Jesse and Meggan Jorgensen -- 5308 Vardon Way, Derek and Michelle Schneider, $734,500.

Bevin and Mary Haag -- 6214 Fishhawk Court, Toll Co I LLC, $804,400.

Kenneth and Laura Cicuto -- 6201 Eagle Ridge Court, Heath Herbold, $1,175,000.

Greeley UÊ Austin Reiher -- 909 44Th Ave. Court Apt 9, Jeffrey and Lucinda Reiher, $190,000.

UÊ Paul and Merilan Anderson -- 2525 49Th Ave. Unit 22, Trevor D Schultze, $241,000.

UÊ Justin Krawitz -- 6603 W 3Rd St. Unit 1623, Terry P Clifton, $250,000.

UÊ Downy Petersen -- 6603 W 3Rd St. Unit 1521, Sylvia Chinn, $251,000.

UÊ Joseph Rosengrants -- 601 16Th St., Raymond and Calli Dean, $253,300.

UÊ Wyatt Beck -- 2026 27Th St., Nicholas Harrison Trust, $255,000.

UÊ Andrew and Heather Green -- 4003 W 15Th St., Christopher Gurka, $259,000.

UÊ Gunreet Nat -- 4672 W 20Th St. Road Unit 2525, Cindy Fugate, $272,500.

UÊ Alfonso Colin -- 1104 E 25Th St. Lane, Juan and Maria Villegas, $275,000.

UÊ Morgan and Morgan Mayfield -- 2832 Apple Ave., Parrish Group LLC, $283,500.

UÊ Vincent Ellis -- 6914 W 3Rd St. Unit 11, Angela R Hernandez, $285,000.

UÊ Joshua Pickering -- 186 44Th Ave., Victor Jaymz Garza, $286,900.

UÊ Conrad Morales -- 2207 A St., Randal J Weber, $295,000.

UÊ Evangeline and Guy Aragon -- 537 36Th Ave. Court, Ronald and Karen Thaden, $300,000.

UÊ Miguel Perez -- 2307 Mountair 10 AT HOME

Lane, Prachi Dhungana, $304,000.

UÊ Kirk Arnold -- 2201 Mountair Lane, Carolyn and Bernard Cron, $309,900.

UÊ Derek Petersen -- 145 48Th Ave., Tyler and Kaitlyn Weigang, $310,000.

UÊ John Ventura -- 8300 18Th St. Road, Jeffrey L Wick, $328,000.

UÊ Pedro Lopez -- 6227 W 14Th St. Road, Xiuli Zheng, $333,000.

UÊ Angela Hernandez -- 2043 21St Ave., Rocky Mount Invest Group LLC, $336,600.

UÊ Victor and Kaylyn Garza -- 1735 70Th Ave., Robert and Lisa Regan, $355,000.

UÊ Matthew Johnson -- 2925 56Th Ave., Jeffrey M Johnson, $375,000.

UÊ Matthew and Ashley Meyer -- 627 51St Ave., Steven and Jodi Burge, $380,000.

UÊ Gerald and Sandra Sanders -- 513 Double Tree Drive, Jonny and Mary Prall, $431,000.

UÊ Javier Faudoa -- 8732 15Th St., Aspen View Homes LLC, $431,800.

UÊ Christopher Gurka -- 1125 79Th Ave., Brad G Starnes, $436,500.

UÊ Shelley and Daniel Peterson -- 1927 26Th Ave. Court, Gerald and Sandra Sanders, $452,000.

UÊ Brandon and Abigail Juenger -- 1203 43Rd Ave., Jack and Evelyn Haggerty, $480,000.

UÊ Carlos and Ashley Valles -- 5707 W 27Th St., Daniel and Lorraine Deleon, $515,000.

UÊ Ryan and Nichole Lauer -- 223 N 53Rd Ave., Daniel Scott Malpiede, $530,000.

UÊ Alfonso and Stacy Garcia -- 1698 38Th Ave., Natalie P Morgan Revocable , $550,000.

UÊ Kevin and Christina Contreras -1639 N 35Th Ave. Court, Mark D Becker, $585,000.

UÊ Daniel Malpiede -- 5301 W B St., Clifford and Mary Bobier, $725,000.

UÊ Teresa Wells -- 31535 County Road 27, Jamie and Patricia Mount, $1,375,000.

UÊ Louisville UÊ Anne Aiello -- 1505 Hecla Way Apt 102, John V Mischler, $397,500.

UÊ Zack Rowland -- 201 S Madison Ave., Kevin and Mary Pooley, $555,000.

UÊ Clayton and Marisa Bjorland -- 130 W Sycamore Lane, Sycamore Park LLC, $614,500.

UÊ Michael and Elizabeth French -- 325 Van Buren Court, One Collective LLC, $640,000.

UÊ Susan and Spencer Brown -- 916 Arapahoe Circle, Catherine Mathon, $645,000.

Loveland UÊ Alexandr Fischer -- 962 S Del Norte Ave., Eric Sullivan, $285,000.

UÊ Charles Ryan -- 1014 Roosevelt Ave., Linda and Frederick Stechert, $287,000.

UÊ Cy Loose -- 869 S Edinburgh Drive, Cristina Jaeger, $310,000.

UÊ Mae Gonzales -- 557 Radiant Drive, Harley Sue Scholz Trust, $315,000.

UÊ Dawnielle Clark -- 1704 Hilltop Court, Raso Living Trust, $315,000.

UÊ John and Sylvia Patterson -- 2378 W 44Th St., Charvat Family Trust, $325,000.

UÊ Susannah and Robert Lozen -- 4121 Divide Drive, Dawnielle Clark, $326,000.

UÊ Robert and Brittany Saffell -- 421 Edgewood Drive, Brandon and Katie Hardman, $329,900.

UÊ Samuel and Suzanna Hetchler -2698 W 45Th St., Jeffrey A Legay, $334,900.

UÊ Kelsey Mcmaster -- 1015 W 32Nd St., Marie S Herl, $341,900.

UÊ Natalia Foreman -- 1703 Avondale Drive, Joan Mary Waldoch, $342,000.

UÊ Martin Ferri -- 736 E 34Th St., Marvin and Carol Morganti, $355,000.

UÊ Tyler Gunderson -- 3090 Nebula Court, Troy Cook, $385,000.

UÊ Brandon and Rachel Guyer -- 1130 W 6Th St., Michael and Shannon Fanning, $445,000.

Johnstown UÊ Richard Lavino -- 3979 Owl Creek Court, William Lyon Homes Inc, UÊ Casey Russell -- 252 Graham Lane, $448,500.

Daniel and Liane Sehrt, $347,000.

UÊ Glenn and Lois Shultz -- 197 DarUÊ Lawrence and Rosemarie Hoeh -lington Lane, Benchmark Custom 3577 Saguaro Drive, Custom On Site Homes LLC, $373,400.

Bldrs Inc, $449,900.

UÊ Dawn and Jason Cain -- 2775 Blue UÊ Eric Jepsen -- 9019 W Us Highway Acona Way, Glenn and Lois Shultz, 34, Leann M Beavers, $475,000. $409,000.

UÊ Lisa and Charles Leblow -- 3535 Parlin St., Keirns Constr Co, UÊ Curt Schwader -- 350 Celtic Road, $485,400.

Michelle Peterson, $445,000.

UÊ Frank Martinez -- 2412 White Wing UÊ Darcey and Ann Gunn -- 3612 W Road, Heath and Veronica Hoffman, Eisenhower Blvd., Martin N Ferri, $524,900. $490,000.

UÊ Mauricio Arana -- 7600 E County UÊ Joseph and Joan Bowden -- 4515 Road 18, Luis F Gomez, $530,000.

Ridgway Drive, Robert and Jean Routon, $495,000.

UÊ Cristina Jaeger -- 20487 Northmoor Drive, Leif and Audry Bothun, UÊ Alyson Amtman -- 3943 Owl Creek $595,000.

Court, William Lyon Homes Inc, UÊ $539,100.

Loveland Reporter-Herald – AtHomeColorado.com

UÊ Harlan and Marlene Elbert -- 1866 Seven Lakes Drive, Herberg Living Trust, $571,500.

UÊ Todd and Justin Bohnert -- 2166 14Th St. Se, Richard and Kim Rak, $660,000.

UÊ Kelly and Thomas Santangelo -6538 Spring Glade Road, Howard L Enos, $1,275,000.

Windsor UÊ Jodi Tabert -- 6634 Crystal Downs Drive Unit 102, Portofino Flats LLC, $282,700.

UÊ Cindy Pecosky -- 2123 Orchard Bloom Drive, Journey Homes LLC, $327,300.

UÊ Collin and Rachel Zimmerman -2105 Orchard Bloom Drive, Journey Homes LLC, $332,100.

UÊ Will Mckechnie -- 2114 Orchard Bloom Drive, Journey Homes LLC, $335,000.

UÊ Jaysen Lopez -- 2119 Day Spring Drive, Journey Homes LLC, $336,300.

UÊ James and Joleen Stanley -- 2131 Day Spring Drive, Journey Homes LLC, $336,800.

UÊ Jeff and Elizabeth Demaske -- 1614 New Season Drive, Journey Homes LLC, $362,300.

UÊ Jeff and Elizabeth Demaske -- 2056 Day Spring Drive, Journey Homes LLC, $362,300.

UÊ Ismael Cervantes -- 1611 New Season Drive, J J Constr Northern Colo LLC, $370,600.

UÊ Hilary and Nicholas Tompkins -- 260 Sutherland Drive, Windmill Homes Co, $376,500.

UÊ Bradley Piggott -- 6634 Crystal Downs Drive Unit 201, Portofino Flats LLC, $380,300.

UÊ Anthony and Shantiel Sisneros -1515 Sorenson Drive, Ted and Chris Newport, $440,000.

UÊ Michael and Linda Tegeder -1923 Tidewater Lane, Juma LLC, $483,000.

UÊ Drew and Rikki Bunday -- 1915 Tidewater Lane, Juma LLC, $485,000.

UÊ Stephen Jones -- 5532 Chantry Drive, Aspen View Homes LLC, $493,700.

UÊ Joseph and Lynette Nelson -- 1803 Holloway Drive, Bridgewater Homes LLC, $499,200.

UÊ Donna and Robert Moore -- 1889 Holloway Drive, Bridgewater Homes LLC, $599,200.

UÊ Jason and Dianna Heustis -- 6109 Chantry Drive, Richfield Homes LLC, $620,700.

UÊ John Warren -- 1867 E Seadrift Drive, Deborah A Haar Revocable , $1,113,000.

UÊ @Et November 30-December 1, 2019

Real Estate place yoUr ad:

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

Real Estate

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.

Mobil Home for Sale, Loveland 221 W. 57th St 1B, 1992 Titan 28'x56' 3BR/2BTH, 20'x11' & 52"x10' Rdwd decks Cntrl H/A, All Appliances, $60,000 (817) 313-3978

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303-941-2158 or email Slavenski8@aol.com

Mobile Home for sale. #115, @ Timber Ridge South, Fort Collins.

Move-in ready, includes appliances, and washer / dryer. 2 bedrooms, bath & a half. Nice community.

Call for showing, qualified buyers. $39,900. blsklynn4@yahoo.com (715) 299-4727

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GOLF COURSE LIVING. RIDGE VIEWS. NEW HOMES. W Eisenhower Blvd.

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Loveland Reporter-Herald – AtHomeColorado.com

November 30-December 1, 2019