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July 18, 2020

Falling Behind on Mortgage Payments? Hereâ€™s What You Should Know. Falling behind your mortgage is stressful, but there are steps you can take that may help. At Home Northern Colorado

How To Set Up An Outdoor Movie Theater

Home theaters have never been more desirable and movies under the stars are especially fun for the whole family.

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COLORADO HOME AND REAL ESTATE

CONTRIBUTING WRITERS

Darren Thornberry Adrian Card Emily Baudot Rick Jacquemard By Nick Vadala Mary Lynn Bruny Sean McIllwain ADVERTISING CONSULTANTS

Thais Hafer Toni McNeill Elvonney Poole EDITOR/FEATURES COORDINATOR Misty Kaiser At Home is an Advertising Feature published by the Loveland Reporter-Herald and Greeley Tribune. ©2020 Prairie Mountain Media.

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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.

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To advertise in At Home contact Thais Hafer at 303.473.1456, Toni McNeil at 303.684.5329, Elvonney Poole at 551-666-1539 or visit AtHomeColorado.com/Advertise To submit a virtual home listing, visit openhomes.athomecolorado.com

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LAWN AND GARDEN

Getting produce from the field to your table needs attention Adrian Card, Colorado State University Extension in Boulder County In 1993, I started work on a small vegetable farm in Northern Colorado. Our abundant harvests fed roughly 300 people April through November with all the vegetable types you can grow here. Days started at 6 a.m. and often ended with some work after our evening meal. I was young, fit, and felt so alive working with others on this three-acre farm, living the lifestyle of a farm worker, attuned to the pulse of daylight, temperature, snow, rain and wind and its effects on the soil, plants and irrigation water. By 1995, I was managing field operations, even more excited about it all. I tell you some of my story so that you know I have significant life context about being a farm worker: planting, weeding, harvesting, packing and more. My current job context affords me feedback from Colorado produce farmers as a founding member of the Colorado Fruit and Vegetable Growers Association. (See coloradoproduce.org) Every day, somewhere in the US, workers on produce farms arrive at the field, ready to take on the same tasks. The work may be hot or cold, sun baked, windy, wet and muddy, the walking is hard on a rough, uneven surface, and the ergonomics are challenging at best. If you are a produce farm worker in Colorado it is only seasonal employment. And frankly, the pay may be only slightly lower than an entry level position at your local supermarket, which offers much more comfortable work conditions. The old trope goes something like this: “If we bring in foreign, temporary workers to do farm work, they are simply taking American jobs.” Maybe. But according to farmer anecdote and researcher data, most Americans don’t want these jobs (see work conditions

and pay above) and those that take them don’t last a full season. Most Colorado produce farmers I’ve spoken with describe local workers new to this type of work as quitting after less than a week. Are you encouraging your kids to start their career as a farm worker? Most are not. And could you find enough teen and 20-somethings willing to work this hard today? They are extremely rare. Some farmers say we are simply losing this work ethic or those that can, and will, work in “dirty jobs” do so as a trained trades-person, commanding a significantly higher wage for year-round work. So, who will provide their able and skilled bodies to do this work? The farm worker advocates that I have had the privilege to work with—those that also worked the produce fields of the US as kids with their parents—carried the same hope for their kids to get a better job. I suspect this is a global wish parents have for their kids, whether living in Mexico, Ukraine or India—don’t be a farm worker. Consumer research indicates we generally expect our food system to provide low cost, quality, and convenient food. This puts downward pressure on the wages farmers can pay farm workers. Against this backdrop, we still need vegetables planted, weeded,

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harvest and packed. This makes temporary agricultural workers holding an H-2A visa increasingly important. Talk with Colorado produce farmers and they will tell you this program was made to be difﬁcult for them to navigate. In our increasingly automated world, farmers also have an eye toward labor saving technology. How do we continue to enjoy Colorado produce in 2040? COVID-19 has highlighted for Americans that farm workers are essential. As suggested, part of the answer is political, which is beyond my professional scope, part of the answer could be cultural, reframing our gratitude for farm workers, and part is also likely bringing more technology into the ﬁelds. 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. July 18, 2020

HOME TIPS

How to set up an

OUTDOOR MOVIE THEATER tool for less-thanlevel settings. Gina Izzo, director of marketing at Bryn Mawr Film Institute, says that some newer projectors — like her pick, the Akaso WT50 ($250) — include access to apps like Netﬂix and Hulu, and Bluetooth connectivity, so you can pair it with speakers.

The sound You can get away with listening to Backyard movie nights are what we need this summer. (Dreamstime/TNS) your projector’s built-in speakers, Izzo says, though By Nick Vadala feet of distance between it and using something like The Philadelphia Inquirer (TNS) your screen, depending on the a standalone Bluetooth speaker screen’s size, for a proper picture. will up the quality — or even Movie theaters have been Generally, you’ll be screening headphones, if you only have closed for months in response your movie in the dark. But a few viewers. Most Bluetooth to the ongoing coronavirus make sure your outdoor setup is speakers won’t provide the bass-y pandemic, and with warm protected from other bright light rumble with which moviegoers weather in full swing, you may sources, such as streetlights or car are familiar, Blasier says, so be missing the summer movie headlights, which can make the connecting a sound system with viewing experience. picture harder to see. a subwoofer is a better (though Sure, you could take a trip to more expensive) option if that’s a drive-in to get a taste. Or, with What equipment do I need? important to you. a little planning, you could bring If you want the minimum the drive-in home, and a safe trip effort: Moving your TV outside The screen to the movies may be only as far for a movie night is an option. If You can buy a dedicated as your backyard. you want to go all out, a little bit outdoor movie screen for a But what equipment do you of extra technology could provide couple hundred bucks. Screens need to set it up? Here is what a more convenient — and more are generally either fixed-frame you need to know: enjoyable — experience. For or inflatable, and their surface the full outdoor theater setup, is more reflective, so your movie Will my backyard you need a projector, external looks better. Or you could work for movies? speakers, and a screen, and the keep it simple and project your First and foremost: You need movie player of your choice, movie onto a light-colored wall electricity. So make sure you have such as a DVD or Blu-ray player, or bedsheet strung up to make easy access to power outlets, Amazon Fire Stick, or Laptop. a makeshift screen (an IKEA either outdoors or by running an clothing rack could work as extension cord from inside. And, The picture a frame in a pinch, Izzo says), of course, make sure there’s no Projectors can run anywhere though the quality won’t be as rain in the weather forecast. from a few hundred to a few good. Make sure your yard is clean thousand dollars, but there are If all that sounds too and level so you can easily set lots on the lower end that will complicated or expensive, you up your equipment, and large do the trick. The important might consider renting equipment enough to be comfortable for things to look for, Blasier says, for your movie night. Some you and any guests, says Kristen are lumen rating (or brightness, companies, like Zeo Brothers, Blasier, rental manager of about 2,500 lumens should cut rent out all the necessary Hatboro audio-visual equipment it), and “keystone” adjustment, equipment for about $200 for a shop Zeo Brothers. If you’re using which lets you correct the image’s weekend. a projector, you’ll need up to 15 dimension and angle — a helpful July 18, 2020

At Home Northern Colorado

Other movie night tips A note on seating Sure, you can lounge on blankets while you watch. But that looks better on Instagram than it actually feels, Izzo says. “That’s the worst — you’ll last about half an hour,” she says. “It’s cute, but it gets old fast.” A better bet Go with actual seating like lawn or camping chairs to save your back and make movie night as comfortable as possible. If you do go the picnic blanket route, pillows will give you a little more support. Keep the snacks simple No movie night is complete without snacks. But Izzo suggests you stick to foods that won’t attract bugs, which can be distracting — and keep food in a mesh cover tent to keep the bugs at bay. Movie candies like Twizzlers, she says, might be a better option than Goobers or Sno-Caps. “I think you are OK with popcorn, even with butter,” she says. “Popcorn is a must.” Be considerate of neighbors It’s also a good idea to be a good neighbor. Blasier suggests checking noise ordinances in your neighborhood and sticking to them, and making sure your screening is as family-friendly as possible. So be reasonable in your ﬁlm choice. “If it’s visible from the road or another person’s yard, I don’t know that I would be showing the ‘Walking Dead’ or ‘Scream’ or one of those axe murder movies outside,” she says. Izzo adds that backyard movie hosts should “read the room” before going ahead with a screening to keep neighbors happy. Feel free to also invite your neighbors to the screening, but don’t grow the crowd too much. According to the Motion Picture Licensing Corporation, your group needs to be limited to “a normal circle of a family and its social acquaintances” to do right by U.S. copyright law. ATHOMECOLORADO.COM

HOME TIPS

6 steps to reduce risk of a ﬁre engulﬁng your home By Neal Templin, Rate.com (TNS)

Homes that are close together make it easier for ﬁre to jump from one house to the next in ﬁre-prone areas. (Shutterstock)

Hotter, drier weather has produced a spate of destructive fires, but there are key steps homeowners can take to lessen the risks. This includes understanding which communities are most threatened by wildfires before you buy a house, as well as making your home and yard more fire-resistant after you move in. Even as the climate keeps warming, Americans continue to build and buy homes in fire-prone areas. The result has been an increase in deadly fires. Two of the worst fire years on record in terms of acreage burned have been since 2015. Some 4.5 million properties are at high risk from forest fires, according to an analysis by risk assessment firm Verisk. That includes 2 million in California, 718,000 in Texas, and 371,000 in Colorado: verisk. com/insurance/campaigns/location-fireline-state-riskreport/ Last year was a comparatively mild year for fires. Even so, 4.7 million acres burned; the Kincade Fire in Sonoma County, California, burned 78,000 acres and destroyed 374 buildings. In 2018, the Camp Fire in Butte County, California, killed 85 people and destroyed 18,800 structures while burning 153,000 acres. In 2017, the Tubbs Fire in Northern California

there’s no place like atHome AtHomeColorado.com is home to the Front Range’s most current MLS listings – updated every hour, powered by ColoProperty.com and served up via an easy-to-use search tool. Explore available properties, stay up-to-date on the latest developments and real estate news, get directions to open houses and connect with listing agents instantly from the comfort of your computer and/or mobile device. AtHomeColorado.com is the online resource for bringing people together to buy, sell and learn more about real estate, whether you’re interested in a green Victorian or living on a yellow brick road.

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July 18, 2020

killed 22 and destroyed 5,600 structures. Here are six steps you can take to lower risks: Ask your local fire department to drop by. In many areas, firefighters will visit your home and make recommendations and share local information you mightn’t find elsewhere. Study fire-risk maps before you buy a home. There are places where fire problems are much more likely. The federal government has created a map that shows the wildfire risk for the entire U.S. You can zoom in on areas to learn the risks: firelab.org/sites/ default/files/images/downloads/ whp_2018_continuous_lettersize. jpg Many states have produced their own fire-risk maps. California, which has the biggest fire problem, has maps for individual counties as well as a statewide map: osfm.fire.ca.gov/ divisions/wildfire-planning-

engineering/wildland-hazardsbuilding-codes/fire-hazardseverity-zones-maps/ If you’re planning to live in an area with high fire risk, stay away from neighborhoods where houses sit cheek-by-jowl. One reason the town of Paradise, California, was so devastated by the Camp Fire in 2018 was that many homes were located close together, allowing fire to leap easily from one house to the next. Paradise is being rebuilt, and the state is insisting on “defensible space” around homes. Using the federal fire-risk map, the Arizona Republic and USA Today news organizations examined small towns across 11 states and found more than 500 had higher fire risks than Paradise. You can search for towns here: azcentral. com/in-depth/news/local/ arizona-wildfires/2019/07/22/ wildfire-risks-more-than-500spots-have-greater-hazard-thanparadise/1434502001/

Make your house as fireproof as possible. Clean roofs and gutters of leaves, debris and pine needles. Install screens and replace broken windows to protect embers from entering houses. Keep flammable material such as woodpiles or mulch away from homes. Woodpiles should be located uphill of the house (fire tends to burn upward) so they don’t serve as igniters for your house. Beware of wood shingle roofs and wooden decks. Nobody living in a fire zone should have wood shingles, particularly untreated ones. There have been fires where homes with wooden shingles were destroyed where nearby homes with other roofs survived. Wood decks are also problematic. As fires leap from home to home, the deck may ignite first and set the rest of the house on fire. Let your yard be part of the defense. The 30 feet closest to the house should be a fuel break with driveway, walkways and patios. Grass in this area should be kept to a maximum height of four

inches. Beyond 30 feet, don’t try to eliminate fire. Instead, try to control it. Dispose of piles of litter or debris. Keep trees spaced and trimmed so that fire can’t leap from the crown of one to the next. Work with neighbors. Your house can be in perfect shape, but if your neighbor’s catches on fire, you have a problem. Many homes destroyed by forest fires are actually ignited by neighboring structures. Let neighbors know you’re thinning trees on your property to lessen fire risk. If you have an older neighbor who is having trouble taking care of their yard, offer to help out. It is the right thing to do, and it will also make you safer. ——— For more personal finance news, go to Rate.com/research/ news

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THE LIGHTER SIDE

Who loves our quarantining at home? Our happily spoiled pets

It occurred to me while watching our neighbor walk their dog for the third time BY MARY LYNN BRUNY one day that our pets are loving our quarantining. For them, life has never been so good: Their humans are at home more than ever and pretty much catering to their

every need out of sheer boredom. Our old cat is perfect example. Poppy, a big orange tabby, is a corpulent gal. If she were human, she would be an excellent farm hand or bouncer. Some in our family consider her fat. Those same some ones often call her Fatty instead of Poppy. I contend she looks good with her poundage and it makes her extra cozy (though hard to lift without proper body

alignment and a strong core). And her big, saggy belly comes in handy; she’s a feline Swiffer constantly dusting the floor. Orange tabbies are pretty much the golden retrievers of the cat world. Poppy is super friendly and loves to be around people and get attention. Typically, she bursts into a room while meowing incessantly with a screechy wail that rather grinds at one’s ears and feels like it could cause a brain hemorrhage. She heads butts the arm of her victim with her little rock hard skull, spilling any drinks in hand, until she gets petted and slimes said human with a coating of fur. We’re use to her screechy meow. But it is problematic when she barges into my husband’s office while he is on work conference calls. People listening think some animal is dying a tortured death or raccoons are fighting in the hallway. When my husband used to travel pre-pandemic - Poppy would also yowl like this at 2 a.m. on the first

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night he was away, her way of letting me know, “Hey, that guy I like left again.” This lovely moonlit cat serenade would continue until I yelled not-so-friendly words back at her, my way of saying, “Yah, I know.” Poppy loves nothing more than to hang out in someone’s lap. She especially likes to knead us with her paws, a thing kittens do to their mothers. She finds our most wiggly bits, zeroing right in on the mushiest stomach flab. Our family knows who needs to cut down on snackage and beer based on whom she prefers to knead. Lately, much to my chagrin, I’ve been her favorite due to my pandemic pooch. We always love our pets, no matter their peculiarities. But now Poppy gets seriously spoiled. Both my husband and I are giving her much more attention out of boredom and the need for interaction besides with each other. (Anybody who lives with their partner knows there are days you kind of prefer the company of your pet. Your pet is never going to ask you: “Is this the fifth or sixth day you’ve worn those gym shorts?” Or: “So, are you going full-on European with the no shaving anywhere thing?”) Plus, I need my support animal when I read the news and feel like I’m going to be sick. Petting that old bag of fur keeps my heart rate and breakfast down. Side note: Why is a single person with a cat seen as sad, like a commercial for anti-depressants, while a single person with a dog is seen as joyful, like a Mountain Dew ad? I say this is petist. Cats are just as awesome as dogs and deserve equal pet status. Perhaps there needs to be a Me(ow) Too Movement. Anyway, while we people are trudging through these awful times, it’s nice to have happy pets. I’m especially fortunate to have one that will also point out that I’ve put on a few pandemic pounds and head butt the beer out of my hand. Mary Lynn Bruny is a Colorado freelance writer. Contact her at ml.bruny@comcast.net. July 18, 2020

REAL ESTATE

Pandemic Property: How COVID is Changing the Real Estate Market

It’s certain: COVID is reshaping the entire real estate industry. As lifestyles are adapting, there’s a fresh set of factors both buyers BY SEAN MCILLWAIN and sellers are considering. Mod Boulder Whether it’s your parents who are opting to live independently for longer, the work-from-home economy changing what you’ll value in your next home, or buyers who are relying more heavily on the real estate pros for information, it’s clear that COVID is changing how, where, when and why we buy. As cities reopen with a lingering sense of uncertainty, here are some emerging possibilities buyers and sellers should consider. Staying put for longer A distressing fact about COVID is that assisted living facilities and nursing homes were hardest hit by

the virus. Because of this ongoing risk, aging Boomers (as well as subsequent generations) may decide to live in their current homes longer. This choice to stay put will impact the real estate market by increasing demand for properties with multigenerational living, like mother-inlaw quarters or an ADU. And as remote working becomes the new norm, homeowners of all ages may opt to stay in place for longer, utilizing mortgage options such as HELOCs to make improvements on their current home.

many feeling wary. It’s a distinct possibility that, post-COVID, city living will look different. With the lack of traditional city experiences like nightlife, theater and dining out, many may gravitate toward more solitary, socially distanced outdoor activities like walking, hiking and cycling, in a more rural setting. And with more people working from home, there’s likely a related desire for more square footage and breathing room from family members. Increased square footage is typically more affordable outside of the city proper.

Escaping to the suburbs In recent years, our strong economy made urban living desirable—until COVID hit some of our most densely populated cities the hardest. In these cities, the amenities of condo life were once appealing, such as gyms and pools, tighter security, and a central location. But now, densely populated community living, common ventilation systems and shared amenities may leave

Relying more on the experts Even before the pandemic, the real estate industry was undergoing a transformation to a more digitally driven experience. Whether it’s listing aggregator platforms like Zillow or an immersive digital walkthrough, the internet was already changing the real estate transactions. Now that health and safety are top of mind for most buyers, agents will be relied upon to deliver expert

and up-to-date information to their clients on things like which home inspections are advisable and whether there are any environmental issues to consider. Expanding your portfolio During the surges of the pandemic, homeowners with second homes had the ability to ﬁnd sanctuary in less-populated locations. This luxury was especially valuable during the embargo on vacation rentals, resorts and hotels. However, a second home doesn’t come without complexities: taxes, insurance and maintenance—not to mention that second mortgage— are an added responsibility, so the option is available to those who can leverage their current properties and ﬁnances strategically. When viewed as a whole, these opportunities and challenges create a balanced market, with some homeowners choosing to staying put and others searching out new digs to match our new reality.

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COVERPROFILE

K-GUARD LEAF-FREE GUTTER SYSTEM

Maintenance-Free for Life

K-Guard gutters have no choke points, cannot clog, and require no maintenance. Ever. (Photo courtesy: K-Guard)

By Darren Thornberry for At Home Colorado

he ﬁrst surprise gutters will give you is how cheaply they can be made and how poorly they can be installed when you don’t have true professionals doing the work. Did you know that the metal on gutters is available in ﬁve thicknesses? Let’s say a big hailstorm damages your roof and the roofers you hire install new 8

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gutters. What do you know about the quality of the gutters? Fast forward to a big winter storm with a foot of snow on the roof. Those cheap gutters get ransacked not by snow but by the ice inside. The weight of the ice pulls them down. Now they’re not pitched correctly. Come spring, they’re holding water, which means mosquitoes, and little critters are using the gutters like a luge track. Most people never know if their

gutters are leaking over the back. When water disappears into the fascia board, it gets into the fascia and sofﬁt boards and before long all of it is rotting. The cost to repair rotted fascia and sofﬁt is not pleasant. It’s standard practice to clean gutters four times a year, but just about everybody hates that task and tries to get away with doing it twice a year instead. In fact, unless debris can be seen spilling out the top of a gutter,

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they’re likely to be completely ignored. Now, the good news. K-Guard gutters have no choke points, cannot clog, and require no maintenance. Ever. As in, your days of standing awkwardly on a ladder and scooping out decaying leaves and undetermined gunk are over. So what’s the catch with the warranty, you might be asking? K-Guard guarantees in writing that the product will never clog, July 18, 2020

“My favorite thing about this work is meeting people. It’s what makes home improvement great.” at a job,” he says. And he used his talent well, helping sales staff learn how to better incorporate customer input into designs that took off with brand managers. It was probably inevitable that Bain was headhunted away to Renovate America – a company that offers financing options to every home improvement company they can, lowering rates for customers and contractors alike, with no overhead. That job put him in touch with no less than 1,500 K-Guard guarantees in writing that the product will never clog, companies and countless product never pull away from the house and, as long as nothing rubs against lines. One of those was K-Guard the paint, the paint is good for a lifetime, too. (Photo courtesy: K-Guard) Gutters in Kansas City, where he lived at the time. never pull away from the house Broomfield invented it in 1996. Jackson thought he’d seen and, as long as nothing rubs against And the owner of K-Guard’s Rocky the paint, the paint is good for a Mountain franchise, Jackson Bain, every kind of gutter, but K-Guard surprised him. It was, in industry lifetime, too. “Lifetime” means as is a Colorado native, too, whose long as you live in your home. And family goes four generations deep in parlance, a “unicorn.” It’s the best product on the market for a lower it’s transferable for a balance of 50 the construction business. price than high-end competitors. years. So if you live in your home Back in 2007, Bain was a It turned out that no one owned for 30 years, the next owner has financial advisor (first job after 20 left on the warranty. K-Guard the Colorado market, so Jackson college) but didn’t enjoy it and gutters are made with the thickest admittedly wasn’t great at it. When and his wife, Brandi, put serious metal with the highest quality thought to coming home to the the housing market crashed a year brackets and sealant. The product Centennial state with the Rocky later, he changed directions and will last 50 years, at least. So, to got into home improvement, all Mountain franchise. The math answer your question, there’s no the while remembering something worked, the timing was great, and catch. a great mentor had told him years in 2017 the Bains came home. The fully engineered two-piece before: Do the right thing for “My favorite thing about leaf free K-Guard® system, featuring people, never about the money, this work is meeting people,” a fully supported gutter and hood, and you can hold your head high. Bain says. “It’s what makes a hidden patented hanger system, Jackson found his niche and was home improvement great.” with improved aesthetics and rapidly promoted in Sears’ home The K-Guard Rocky Mountain additional strength as compared to improvement division, becoming a team does whatever it can to similar systems on the market, is a regional manager in charge of three make sure customers are cared Colorado original. Gary Knudson states. “My talent is helping others for well. Dealing with gutters is of Knudson Manufacturing in figure out how to become better challenging. K-Guard gets it, and

has the best product on the market. Maintenance will be a thing of the past for anyone who entrusts the work to K-Guard. Going above and beyond is their norm. For example, during installation when they remove the downspout and find that the house painter missed that section, they’ll paint it. Just because. Here’s some geek talk about K-Guard for those who want to drill down. The strength of the FEA-verified K-Guard® system can be attributed to many of its high quality features, including a fullsized five-inch rain gutter that can hold .70 gallons per foot. Its robust, high-strength, all-weather design is kept secure with 0.027 to 0.032inch thick coated aluminum (3105H16 to H-24) or 16 and 20-ounce copper that’s formed on site. The design is sharp and seamless, with front and rear drainage passages for improved water collecting and flushing action that has been proven and field tested. The textured hood is removable and offers an extra line of protection against markings from hail. It’s not every day you read about a service provider that thrives on not getting repeat business, but that’s K-Guard. Once your seamless, clog-free gutters are installed, it’s all over but the handshake. And what they “lose” in repeat business, they more than make up for in referrals, as you’ll see if you look up their reviews. Give Jackson Bain a call if you’re ready to forget about your gutters once and for all. K-Guard Leaf-free Gutter System, 303.476.4323, kguardrockymountains.com.

Going above and beyond is their norm at K-Guard. For example during installation when they remove the downspout and ﬁnd that the house painter missed that section, they’ll paint it. Just because. (Photo courtesy: K-Guard) July 18, 2020

At Home Northern Colorado

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REAL ESTATE

FALLING BEHIND ON MORTGAGE PAYMENTS? Here’s what you should know.

Immediate Relief

If you’ve already missed payments or are nearing foreclosure, these resources may work in your favor. It’s never too late to discuss things with your lender, so reach out as soon as possible.

Find highly engaged talent quickly and simply by getting your jobs on the most recognized online destination sites. Call 303.473.1402 to get started.

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The CARES Act

Unemployment may be hitting hard, but there are steps that can help. (Shutterstock)

By Emily Baudot, At Home Northern Colorado While many hoped for a fresh start this decade, 2020 has been uniquely challenging. One-ﬁfth of homeowners have had mortgage payment troubles since May. That’s concerning for northern Colorado, where beautiful properties are a point of pride. Fortunately, there are some steps you can take if you’re feeling the economic sting.

First Thing First

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First, if there’s even a chance you won’t be able to make a full payment, let your lender know. It’s painful to admit ﬁnancial hardship but remember, this isn’t your fault. Current circumstances are strange and unforgiving. Lenders on every level are willing to help, especially locally. For instance, the reps at Elevations Credit Union received national recognition for their service to northern Colorado. They want to help you, so there’s no shame in asking. Exactly what to do with your loan depends on many factors. Here are some of the more common routes your lender might suggest.

Long-Term Relief

Lenders often suggest these options if homeowners come up

short or need to miss payments, but haven’t had trouble in the past. Temporary “Catch-Up” Plans The pandemic hasn’t affected everyone equally. If you don’t have any income, there are two main options. First, there are repayment plans, where lenders increase what you pay until you’re back on track. Second, a reinstatement and forbearance, where you stop paying for a little while, then pay what you missed back in a lump sum.

Financial Rework

If the homeowner anticipates employment or can make partial payments, changing loan terms may work best. Lenders can modify, or lengthen, mortgages, making the amount paid more affordable each time. Lenders can also refinance loans. Essentially, you’d take out a new loan to replace the current one. Refinances take many forms and vary depending on the area. For example, Elevations Credit Union offers refinancing options that aren’t uncommon nationwide. But their familiarity with Boulder and the surrounding counties helps northern Coloradoans.

At Home Northern Colorado

Enacted in March, the CARES Act provides pandemic-related ﬁnancial aid. It has speciﬁc provisions for federally-backed home loans, but borrowers have to go through their loan providers to apply. The Act also stalled penalties and foreclosures for a few months after it was put into effect, so you may have more time to recover than you think.

The Federal Housing Finance Agency (FHFA)

The FHFA oversees national home loan institutions (Fannie Mae, Freddie Mac and the federal banks). They’re also providing relief avenues separate from the CARES Act. Some loans may qualify for stalled payments, waived fees and more, so if any of these acronyms sound familiar, investigate more online.

Colorado State Provisions and the Housing Authority

You may have heard about Governor Polis’ D 2020 012 order. It limits evictions, foreclosures and even utility shutdowns during the pandemic. It also sets aside over $3 million in mortgage aid and will be available until September of this year. Once again, your lender will know whether you qualify for help. Remember, discussing ﬁnancing options fares homeowners much better than silence. Don’t be afraid to reach out. If you’re currently facing homelessness, contact Colorado Housing Connects, a non-proﬁt that may help. July 18, 2020

ASK THE EXPERT

Can a House Fail an Inspection? This is a frequently asked question. The short answer is no, a house cannot fail a home BY RICK JACQUEMARD inspection. However, Flatirons Home a new Inspections construction home or a home undergoing remodel or renovation work requiring a permit can fail a municipal code inspection. The building permit prevents poor craftsmanship because the city inspector gets involved and makes periodic spot checks on the work as it progresses. The information in a professional home inspection is for the buyer alone. You can use the information any way you want. You may choose to back out of the sale, to negotiate repairs with the seller or do nothing with the information. It is totally up to you as the buyer. However, there are mortgage loan programs that may require certain items to get repaired before you close on a home. Your lender will be able to provide those details for you. A good comparison would be going to the doctor for an annual physical exam, you get professional feedback on your health. Often, this is when you learn if you have any medical issues that need to be resolved. Just like you cannot fail a physical (no matter how poor your

health may be), a house cannot fail an inspection. A home inspection is simply a visual examination of a house’s overall condition at a given point in time. The home inspection report describes a house’s physical shape and identiﬁes what might need repair or replacement. Although, what’s covered in a standard report can vary by inspector, typically the status of the following will be included: heating system, central air conditioning system, interior plumbing and electrical systems, roof, attic, visible insulation, walls, ceilings, ﬂoors, windows, doors, foundation, basement and all structural components. Let your inspector know in advance if there are any areas of the home you with them to pay extra attention to. A home inspection is not an appraisal determining the value of a home. It is also not a municipal inspection verifying code compliance. Inspectors will not inspect any inaccessible areas of a home or do any type of destructive testing. The report will not guarantee a home’s components will not fail or need

repair in the future. It is not a home warranty. A home inspection may uncover issues that are deal breakers for some buyers. What determines a deal breaker depends entirely on the buyer, their needs, and preferences. For example, an inspection that identifies damaged roofing shingles might be a deciding factor for one person who feels the problem is too expensive or time-consuming to fix. However, the same trouble with roof might be totally acceptable for another buyer who has resources or skills to repair the issue. If you are considering buying a house and the inspector identifies problems with it, this does not automatically mean you should not buy it. The findings simply mean you now know what you are getting into. If the furnace needs to be replaced in six months, at least you will not be surprised when it happens.

If major problems like this are found, the seller may agree to make the repairs or reduce the purchase price accordingly. Of course, no house is perfect. Every house will have some issues. It just depends on how many faults you are willing to deal with before you walk away from the sale. A home inspector does recommend to a customer whether to buy a house. Rather, it is his or her job to provide all the available information so that home buyers (or sellers) can make the decision right for them. Your realtor will be able to assist you with decisions on which items on an inspection report are worth negotiating over with the seller. For more information on home inspections contact Rick Jacquemard, at 720.280.3544,, e-mail rick@ﬂatironshi.com or visit ﬂatironshi.com.

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At Home Northern Colorado

Loni L. Ferrier • 970-689-1192

Real Estate

loniferrier@comcast.net www.loniferrier.homesandland.com ATHOMECOLORADO.COM

Total Market Overview

Key metrics by report month and for year-to-date (YTD) starting from the ﬁrst of the year.

Key Metrics

Historical Sparkbars

New Listings 2-2019

6-2019

10-2019

2-2020

6-2020

2-2019

6-2019

10-2019

2-2020

6-2020

2-2019

6-2019

10-2019

2-2020

6-2020

2-2019

6-2019

10-2019

2-2020

6-2020

2-2019

6-2019

10-2019

2-2020

6-2020

2-2019

6-2019

10-2019

2-2020

6-2020

2-2019

6-2019

10-2019

2-2020

6-2020

2-2019

6-2019

10-2019

2-2020

6-2020

Pending / Under Contract Sold Listings Median Sales Price Average Sales Price Pct. of List Price Received

6-2020

Percent Change

378

336

- 11.1%

1,834

1,838

+ 0.2%

249

378

+ 51.8%

1,367

1,527

+ 11.7%

240

331

+ 37.9%

1,226

1,182

- 3.6%

$399,075

$389,500

- 2.4%

$385,400

$388,400

+ 0.8%

$449,702

$433,705

- 3.6%

$433,270

$436,773

+ 0.8%

99.7%

99.9%

+ 0.2%

99.5%

99.7%

+ 0.2%

+ 26.1%

- 2.3%

100

+ 13.6%

100

+ 9.9%

618

418

- 32.4%

3.0

2.0

- 33.3%

Days on Market

Affordability Index Active Listings 2-2019

6-2019

10-2019

2-2020

6-2020

2-2019

6-2019

10-2019

2-2020

6-2020

Months Supply

Sold Listings

1,063 0

317

1,087

6-2019

559

296

510

363

136

+ 9.1%

- 6.6%

+ 2.3%

- 8.8%

+ 7.7%

< $100K

$100K to $199K

$200K to $299K

$300K to $399K

$400K to $499K

$500K to $699K

6-2020 0 8 134 912 464 378 137 47 0 2,080

Change - 100.0% 0.0% - 10.7% + 0.3% - 9.0% + 4.4% + 0.7% + 123.8% - 100.0% - 0.9%

6-2019 0 3 167 154 49 1 0 0 0 374

6-2020 0 4 162 175 46 13 0 0 0 400

+ 0.7%

6-2019

219 5

5-2020 0 0 6 54 32 20 11 2 0 125

6-2020 0 0 10 130 82 42 11 7 0 282

2,473

126

110

2,480

400

+ 123.8%

- 100.0%

- 0.9%

+ 7.0%

+ 0.3%

$1.0M to $2.0M

$2.0M+

Singe Family

Townhouse-Condo

All Properties

Change --+ 66.7% + 140.7% + 156.3% + 110.0% 0.0% + 250.0% -+ 125.6%

5-2020 0 0 5 8 3 0 0 0 0 16

6-2020 0 0 19 22 7 1 0 0 0 49

Year to Date Single Family Change --+ 280.0% + 175.0% + 133.3% ----+ 206.3%

6-2019 1 4 58 434 277 167 74 14 1 1,030

6-2020 0 6 46 442 250 163 63 20 0 990

Condo

Change - 100.0% + 50.0% - 20.7% + 1.8% - 9.7% - 2.4% - 14.9% + 42.9% - 100.0% - 3.9%

6-2019 0 1 81 88 26 0 0 0 0 196

6-2020 0 0 81 82 22 7 0 0 0 192

Change -- 100.0% 0.0% - 6.8% - 15.4% ----- 2.0%

A measure of the number of homes available for sale at a given time. By Property Type

126

6-2020

2,080 374

6-2020

6-2019

Compared to Prior Quarter Single Family Condo Change -+ 33.3% - 3.0% + 13.6% - 6.1% + 1200% ---+ 7.0%

Inventory of Active Listings By Price Range – All Properties

137

$700K to $999K

Rolling 12 Months Single Family Condo 6-2019 1 8 150 909 510 362 136 21 2 2,099

By Property Type

6-2020

2,099

391

- 100.0%

By Price Range $99,999 and Below $100,000 to $199,999 $200,000 to $299,999 $300,000 to $399,999 $400,000 to $499,999 $500,000 to $699,999 $700,000 to $999,999 $1,000,000 to $1,999,999 $2,000,000 and Above All Price Ranges

Percent Change

Actual sales that have closed in a given month.

By Price Range – All Properties – Rolling 12 Months

YTD-2019 YTD-2020

6-2019

484 47

6-2019

6-2020

618

333

134

418

+ 20.0%

- 50.0%

- 42.2%

- 54.8%

0.0%

- 35.5%

- 25.4%

- 9.5%

- 25.0%

- 31.2%

- 36.6%

- 32.4%

< $100K

$100K to $199K

$200K to $299K

$300K to $399K

$400K to $499K

$500K to $699K

$700K to $999K

$1.0M to $2.0M

$2.0M+

Singe Family

Townhouse-Condo

All Properties

Year over Year Single Family By Price Range $99,999 and Below $100,000 to $199,999 $200,000 to $299,999 $300,000 to $399,999 $400,000 to $499,999 $500,000 to $699,999 $700,000 to $999,999 $1,000,000 to $1,999,999 $2,000,000 and Above All Price Ranges

6-2019 5 1 18 139 111 101 63 42 4 484

6-2020 6 0 9 56 107 67 47 38 3 333

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Change + 20.0% - 100.0% - 50.0% - 59.7% - 3.6% - 33.7% - 25.4% - 9.5% - 25.0% - 31.2%

Compared to Prior Month Single Family Condo

Condo 6-2019 0 3 27 80 15 9 0 0 0 134

6-2020 0 2 17 43 19 4 0 0 0 85

Change -- 33.3% - 37.0% - 46.3% + 26.7% - 55.6% ---- 36.6%

5-2020 6 1 10 90 134 89 45 40 5 420

6-2020 6 0 9 56 107 67 47 38 3 333

Change 0.0% - 100.0% - 10.0% - 37.8% - 20.1% - 24.7% + 4.4% - 5.0% - 40.0% - 20.7%

5-2020 0 2 34 60 20 8 0 0 0 124

6-2020 0 2 17 43 19 4 0 0 0 85

At Home Northern Colorado

Year to Date Single Family Change -0.0% - 50.0% - 28.3% - 5.0% - 50.0% ---- 31.5%

Condo

There are no year-to-date figures for inventory because it is simply a snapshot frozen in time at the end of each month. It does not add up over a period of months.

July 18, 2020

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.

Ault • Carlos Nogal -- 230 E 3Rd St., Charlotte K Miller, $257,000. • Carrie and Matthew Burnett -141 Linden Oaks Drive, Seth and Mallory Lehman, $342,000. Berthoud • James and Julie Trott -- 310 Dove Lane, Vytas and Maria Rauba, $265,000. • William Suits -- 2033 1St St., Robert S Alexander, $300,000. • Lance Criswell -- 306 E Colorado Ave., Rodney and Kathleen Mcmillan, $355,000. • Ruben and Annette Martinez -- 2400 Sugarloaf Road, Norman and Aimee Welch, $399,900. • Bryce and Heather Cofﬁn -- 770 Mount Massive St., Kenneth and Andrea Samson, $400,000. • Kathryn Braesch -- 680 Torreys Peak Lane, Patricia J Keep, $415,000. • Javier Bello -- 2331 Nicholson St., Kristin A Weisbach, $425,000. • John Pumfrey -- 1346 Vantage Parkway, Melody Homes Inc, $425,600. • David and Jeannie Johnson -1153 Longs Peak Ave., Melody Homes Inc, $437,400. • Casey and Katy Dowell -- 1365 Westport Ave., Melody Homes Inc, $448,500. • Jason Durante -- 975 Longs Peak Ave., Melody Homes Inc, $462,600. • Richard Vela -- 1310 Westport Ave., Melody Homes Inc, $477,200. • Bret Orton -- 1110 Wilshire Drive,

Bonnie K Smitherman, $485,000. • Randy Wilber -- 5309 Gary Drive, Richard and Judith Bertram, $500,000. • Arlen Mcmurray -- 3301 Tranquility Court, Diane R Bath, $755,000. • Corey and Melany Wall -- 521 Talons Reach Run, New Vision Devl Partners Inc, $799,400. • David and Tammy Campbell -17176 County Road 5, Kirk and Carey Harris, $915,000. Eaton • Jacob and Sarah Leal -- 332 Cheyenne Ave., Donald L Drewer, $287,000. • Christopher Guyne -- 1305 5Th St., Daniel Gregg, $320,000. • Betty Pappenheim -- 201 Settlers Cv, John and Barbara Blaskowski, $380,000. • Daniel and Tammy Gregg -- 450 Cherry Ave., Donald and Shirley Stroberg, $410,000. Evans • Douglas Klopenstine -- 3734 Ponderosa Court Unit 6, Jordan T Francies, $175,000. • Brizeida Perez -- 3512 Empire St., 3512 Empire Revocable Trust, $235,000. • Marissa Paquette -- 3029 High Drive, Tye Reh, $237,000. • Taylr Martinwhitcomb -- 3107 Rock Pt. Court, Elizabeth M Blair, $251,300. • Mitchell and Jessica Kressin -- 3410 Carson Ave., Monica Quiroz, $260,000. • Robert Simer -- 4308 Paintbrush Drive, Judith and Billie Bennett, $287,000. • Christopher Hill -- 3902 Mountain View Drive, Long J Xu, $295,000. • Marcus Hunt -- 3009 Cody Ave., Scott and Kimberly Talbott, $299,000. • Erica Erickson -- 4332 Yellowbells Drive, D Wp Evans LLC, $303,000. • Jonathan and Whitney Aragon -- 3925 Grouse Drive, Dylan and Melinda Carpenter, $307,000.

• Alexander and Tamara Shilof -3209 Birney Court, Tanya Fagan, $307,000. • Gail Tran -- 3908 Eagles Nest Drive, Andrew and Peggy Andersen, $309,900. • Ma Demartinez -- 3303 Lupton Ave., David S Hubbs, $312,000. • Kristapher Abels -- 3413 Burlington Ave., Eric Johnson, $318,900. • Trevor Falliaux -- 819 42Nd St., Daniel Donald Kocer, $320,000. • Shawn and Sydney Vasquez -4212 Yellowbells Drive, D Wp Evans LLC, $322,000. • Daniel Wehner -- 3325 Grenache St., Laura and Andy Abbott, $330,000. • Jordan Francies -- 3307 San Carlo Ave., Matthew and Megan Walter, $345,000. • Christopher Bowman -- 3807 Dry Gulch Road, Grace and Christopher Bowen, $348,500. • Jarrod and Zoeann Darnell -3129 Canyon Circle, Eric and Crystal Cronin, $350,000. • Susan Olson -- 4701 Pendleton Ave., Chyrl A Statler, $689,000. Fort Lupton • Juan Reyes -- 1110 Village Drive, Melissa Waldenhove, $236,100. • Quentin and Danielle Quintana -- 1109 Applewood Ave., Gregory and Christina Fischer, $300,000. • Michael Maul -- 2365 Saddle Back Court, Century Coyote Creek LLC, $357,400. • Omar Gonzalez -- 15683 Barley Ave., Lucinda Moats, $375,000. • Labeth Beggs -- 940 S Fulton Ave., Jannine and William Yurkoski, $405,500. • Velma Moreno -- 1010 S Fulton Ave., Martin and Peggy Gaines, $445,000. • Eliazar Escobedo -- 7070 County Road 37, Duell and Samanth Stanley, $450,000. • Kathleen Richevans -- 342 Corvette Circle, Double E Invest LLC, $520,000. Greeley • Alexa and Zachary Schubin --

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5551 29Th St. Unit 712, Jaclyn Renee Cleary, $225,000. Kaley and Mark Platek -- 1210 14Th Ave., Terise and Brian Barnett, $244,000. Carrie and Christopher Lanning -2419 11Th Ave., Steve and Paula Johnson, $245,000. Thomas and Debra Cummins -6915 W 3Rd St. Unit 312, Samantha Harding, $247,000. Dawn Turvey -- 1951 28Th Ave. Unit 1, Karoleigh Lauer, $250,500. David Kosiba -- 1817 7Th Ave., Richard and Kitty Magee, $260,000. Wendy Walden -- 1301 14Th St., Susan T Viney, $275,000. Tyler and Hayley Nondorf -- 2409 W 8Th St., James and Amber Every, $279,900. Juan Valadez -- 2407 W B St., Cheri N Cervantes, $280,000. Lola and Arnold Lucero -- 1001 43Rd Ave. Unit 46, Lady Baldry, $295,000. Clyde Stevens -- 2500 W 26Th St., Carla Geisick, $302,500. Jeremiah Nelson -- 3038 42Nd Ave. Court, Keith and Sally Meier, $305,000. Lucille Franklin -- 1735 Fairacre Drive, Tatum and Bryan Spaeth, $305,000. Mohammad Faisal -- 1805 15Th St., Dirk Habig, $310,000. David Kosiba -- 1117 18Th St., J4 Properties LLC, $310,000. Brian and Allison Allison -- 1815 15Th Ave., Joan M Grooms, $313,000. Micah Washburn -- 2232 22Nd Ave., Amanda Lee Holland, $320,000. Suzanne Gloss -- 8414 18Th St. Road, Brooke and Nathaniel Hoffert, $322,500. Casey and Nicholas Weiser -- 325 N 50Th Ave. Place, John and Carolyn Odey, $324,900. Gregory Slavit -- 2117 23Rd St., Sara Elizabeth Maier, $328,000. Diana Tellez -- 512 43Rd Ave., Timothy Brian Shankle, $330,000. Gary and Kerry Eggspuehler -6024 W 1St St. Unit 36, Gary and

Andria Porter

Keller Williams Realty NoCO 970-818-2599 andriaporter@kw.com At Home Northern Colorado

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Yvonne Anderson, $334,000. • Matthew and Allison Emge -- 4704 W 6Th St. Road, Harmony Newman, $335,000. • Grifﬁn and Taylor Epperson -2122 26Th Ave. Court, Results Real Estate LLC, $343,300. • Jill Eaton -- 116 N 48Th Ave. Court, Patricia and Paul Skinger, $344,000. • Dylan and Melinda Carpenter -8410 17Th St., Brian and Michelle Digiovanni, $345,000. • Jamie and Patricia Autrey -- 5049 W 2Nd St. Road, J and Tammy Patch, $357,000. • Megan and Andrew Andersen -2049 21St Ave. Court, Jannett Dee Hayes, $358,000. • Ronnie and Sharla Edwards -- 2435 50Th Ave., Glenda and Glenda Goeglein, $365,000. • Katie Hartmann -- 1108 104Th Ave., Bartran Constr Inc, $366,700. • Katie Bausch -- 8759 16Th St., Clara and Spencer Stewart, $368,000. • Cassidee Garbowsky -- 7727 W 11Th St. Road, Kersten and Michael Tennessen, $369,000. • Leonardo Crespo -- 3034 41St Ave. Court, Daniel and Michele Rohn, $375,000. • Jenny Petty -- 1428 87Th Ave., Aspen View Homes LLC, $410,200.

• Monica Nat -- 2338 51St Ave., Matthew and Dana Chalfant, $415,000. • Cheri Cervantes -- 4214 W 15Th St. Lane, Geronimo A Till, $417,000. • Bo and Alisha Shultz -- 6804 16Th St. Road, John and Lori Pudliner, $431,000. • Harmony Newman -- 4918 W 12Th St., Kelli and Jeffrey Linder, $432,500. • Esai and Liliana Magdaleno -8816 14Th St. Drive, Aspen View Homes LLC, $447,800. • Darlene Murpheyjones -- 3109 W O St., Troy and Tracy Lee, $499,000. • Amos and Lynette Chase -- 5720 W 27Th St., Blake and Elizabeth Hillebrand, $537,500. • Joshua and Erin Yeater -- 2113 45Th Ave., Paul and Sylvia Edens, $642,000. Johnstown • Aaron and Lisa Hollingshead -5300 Ravenswood Lane, Richard West, $335,000. • Anthony Gibney -- 319 Granite Way, Tony M Cox, $369,900. • Tanya Fagan -- 4104 Onyx Place, Dustin and Jaymie Weber, $412,000. • Marci and Cameron Kittel -- 623 Madden Ave., Stephen and Barbra

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Live at Heron Lakes - Berthoud

$515,000

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Nardone, $465,000. • Aaron Vinchattle -- 20457 Northmoor Drive, Kirk and Ariel Gerstner, $589,900. La Salle • Martin Lemus -- 223 Ley Drive, Shandra D Mesch, $302,000. Loveland • Manuel Blanco -- 9950 Horsetail Way, Francis B Napolitano, $235,000. • Brandon Senn -- 1531 Peacock Place, Cary Juvonen, $267,500. • Kevin Williams -- 2628 Hayden Court, Janet M Cason Trust, $277,000. • Milton Segovia -- 1715 Ranae Drive, Derrick Sluys, $280,000. • John Sullivan -- 1304 Garﬁeld Ave., Cory J Rau, $303,000. • John and Lucille Tumas -- 4542 Teller Place, Faye and Guy Barbeau, $308,000. • Matthew and Shayla Grzeskowiak -- 1674 Tracy Drive, Christopher S Gilland, $310,000. • Isaac and Carlene Aldous -- 3657 Butternut Drive, Cameron and Marci Kittel, $310,000. • Joseph Desantos -- 1505 Snowy Range Court, Jeffrey and Alana Basamanowicz, $315,000. • Kenneth Roth -- 2021 E 16Th St., William Fearn, $319,000. • Emily Martin -- 4430 N Lincoln Ave., Clayton and Melissa Fitzgerald, $336,600. • Franchesea Lata -- 1417 Avondale Place, Patrick and Jenn Mccarthy, $340,000. • Tammy Rowan -- 6461 San Isabel Ave., Journey Homes LLC, $344,700. • Richard and Barbara Stallbaum -- 3143 Marshall Ash Drive, Christian and Kristin Chapman, $345,000. • Derek Keegan -- 6456 Black Hills Ave., Journey Homes LLC, $347,800. • Jessica Jackson -- 6419 Black Hills Ave., Journey Homes LLC, $349,800. • Brittany Johnson -- 1304 Walnut St., Jeffrey and Bonnie Clinton, $350,000. • Jennifer and Nicholas Piper -- 2731 W 28Th St., Weston and Julianne Sanford, $350,000. • Rosalind and Diana Pistilli -- 6479 Black Hills Ave., Journey Homes LLC, $350,900. • Bradley Steinike -- 3129 Benfold St., Erik Eckman, $352,500. • Jeremy and Rochelle Arlitch -- 943 Highline Drive, Journey Homes LLC, $358,600. • Jamison Wicks -- 5507 Janna Drive, Marlin and Frances Brusberg, $360,000. • Marc Nichols -- 707 S Del Norte Ave., Christian and Lisa Horvath, $360,500.

At Home Northern Colorado

• Kyle Swenson -- 6473 San Isabel Ave., Journey Homes LLC, $361,400. • Jamie Lamar -- 6473 San Isabel Ave., Journey Homes LLC, $363,400. • Kelly and Branden Jacobson -- 809 Engleman Place, Michael K Tolle, $371,000. • Joshua and Emma Lombardi -- 959 Highline Drive, Journey Homes LLC, $371,300. • Robert and Francine Huntsman -- 6401 Black Hills Ave., Journey Homes LLC, $373,000. • Sally Guehl -- 1942 Hillrose Drive, David and Kathy Foster, $375,000. • Matthew and Keeley Swank -- 360 E 41St Court, Yaron and Carolyn Weinberg, $375,000. • William Fearn -- 3220 Honey Locust Drive, Nathan and Jessica Rea, $375,000. • Shane Starr -- 1119 Yew Place, Judith A Hoium, $375,900. • Monte and Dani Florea -- 6435 San Isabel Ave., Journey Homes LLC, $385,500. • Ann Grant -- 3802 Cardiff Court, Chris and Diane Bohlen, $389,500. • Coral Froning -- 884 Pyxis Drive, Thomas and Lianne Acton, $395,000. • Christopher and Kristina Kuz -- 1518 Timberland St., Nancy L Posten, $395,000. • Monte and Dani Florea -- 6417 San Isabel Ave., Journey Homes LLC, $395,100. • Monte and Dani Florea -- 6423 San Isabel Ave., Journey Homes LLC, $395,700. • Linda and Blaine Peters -- 724 Monterey Court, Toby Horton, $396,000. • Paulo and Jill Brito -- 3788 Higgins St., Jonathan and Jessica Scott, $400,000. • Scott Dennis -- 2953 Vye Court, Stephanie and Ja Mccaffrey, $405,000. • Jeremy Whitlock -- 6322 Sea Gull Circle, Jaime R Laetschaldaco, $417,400. • Bryan Swanson -- 6450 Black Hills Ave., J J Constr Northern Colo LLC, $420,300. • Jason and Karissa Hall -- 1043 Highline Court, J J Constr Northern Colo LLC, $421,900. • Lee and Brittany Robinson -- 458 Red Sunset Place, Raymond and Edith Gunderson, $433,500. • Sara and Jeremy Mcbee -- 962 Highline Drive, J J Constr Northern Colo LLC, $443,400. • Sara and Michael Vrabec -- 3861 Poudre Drive, Jason Sebesto, $530,000. • John and Danielle Polansky -3763 Valley Oak Drive, Peter A Salg, $600,000. • Jodie and Adrian Severson -- 209 Violet Drive, Alyssa and Barry Schmidt, $617,500. July 18, 2020

• Heather and Stephen Barcomb -4792 Mariana Ridge Court, Custom On Site Bldrs Inc, $682,000. • Megan Wachtman -- 1208 Willowrock Drive, Frederick and Barbara Morey, $700,000. • Jose Perez -- 3315 Golden Eagle Drive, Tyler and Nicolette Alderson, $712,500. • John Sage -- 3615 Rainbow Ridge, J and Carol Bothun, $745,000. • Danny and Kim Hirsch -- 5730 N County Road 11C, Buer Homes Inc, $1,177,600. Milliken • Trevor Davidsen -- 2413 Carriage Drive, Matthew and Matthew Smart, $315,000. • Lidia Castorena -- 1091 Norma Court, Heather J Buchanan, $325,000. • Grant Eastman -- 2621 E Prairie Drive, Garrett Ford Eastman, $340,000. • Maria Hernandez -- 1534 S Growers Drive, Barrett and Tessa Palombo, $340,000. • Lyle Barr -- 1413 S Harvester Drive, Joshua Collier, $342,500. • Austin Moffet -- 1278 S Irene Ave., Clayton and Jessie Watt, $343,000. • Rosalee and Kenneth Brackeen -- 2313 Carriage Drive, James and Shannon Sanders, $382,500. • Daniel and Sarah Keen -- 929 Depot Drive, Windmill Homes Co, $383,800. Pierce • Isaac Howe -- 807 3Rd St., John and Michelle Zitek, $260,000. Platteville • Felix Guerrero -- 116 Plowshare Lane, Ivis Donaire Alvarado, $330,000. • Alexander Foote -- 475 Soar Lane, Chris and Wendy Mast, $375,000. • Candelario Montes -- 100 Plowshare Lane, David and Lissa Cockrell, $398,000.

• Peter Ahlstrand -- 700 Reynolds Ave., Nick B Christo, $431,000. Severance • Guillermo Escamilla -- 1011 Axis Drive, Journey Homes LLC, $342,100. • Jose Pena -- 1014 Axis Drive, Journey Homes LLC, $347,600. • Derick and Richard Alan -- 945 Barasingha St., Journey Homes LLC, $358,100. • Jordan Muscat -- 467 Kit Carson Ave., David and David Galaway, $365,000. • Matthew and Trisha Linder -- 725 Mt Evans Ave., John and Emily Holtzman, $365,000. • Armando Lozano -- 1582 Bright Shore Lane, Tiffany Ellen Heit, $365,000. • Elizabeth Blair -- 1703 Vista Pt. Drive, J J Constr Northern Colo LLC, $374,500. • Aaron and Desirae Hill -- 518 Prairie Clover Way, Kirk and Jennifer Kaump, $375,000. • David and Margo Suhler -- 1488 Moraine Valley Drive, Kenneth and Suzanne Clark, $385,000. • Skyler Dahlinger -- 1744 Avery Plaza St., Aspen View Homes LLC, $405,000. • Matthew and Megan Walter -- 964 Mt Andrew Drive, Aspen View Homes LLC, $418,800. • Harold and Laura Wahr -- 1740 Avery Plaza St., Aspen View Homes LLC, $448,700. • John Gebhart -- 2023 Trail Ridge Circle, Wayne E Stocker, $545,000. Timnath • Jacob Smyth -- 5323 Cloud Dance Drive, Cb Signature Homes LLC, $452,000. • Carise Charles -- 5493 Bristow Road, Saint Aubyn Homes LLC, $458,400. • Balena and Jeffrey Glassburn -- 5383 Homeward Drive, Saint Aubyn Homes LLC, $467,900. • Gregory and Kelli Kottenstette -- 5743 Glendive Lane, Melody

Homes Inc, $533,600. • Brandon and Amanda Halverson -- 6093 Greybull Road, Melody Homes Inc, $557,100. • Veronica Jaffuel -- 5481 Lulu City Drive, Alexandra and Russell Wiechers, $560,000. • Thomas Landsberger -- 2867 Storm View Court, Calatlantic Group Inc, $564,700. • Alexandre Skiba -- 6079 Greybull Road, Melody Homes Inc, $568,200. • Valerie and Lois Stroh -- 6013 Gannet Drive, Melody Homes Inc, $578,100. • Flint and Susan Freeman -- 6997 Thunderview Drive, Calatlantic Group Inc, $653,600. • Robert Rayson -- 5900 Riverbluff Drive, Melody Homes Inc, $845,000. Windsor • Ryan and Sarah Woodland -- 25 Oak St., Andrea and Kirk Starck, $215,000. • Zachery and Alexandra Sanchez -- 225 Walnut St., Jan R Hertel, $272,000. • Levi and Raymond Perez -- 1686 Grand Ave. Unit 2, Townhomes Jacoby Farms LLC, $299,900. • Shirley Iverson -- 711 2Nd St., Connie G Toohey, $315,000. • Yvonne Wade -- 1623 Clarendon Drive, Melody Homes Inc, $385,800. • Jeffrey and Jennifer Roche -- 309 Whitney Bay, Wilma and Philipe Romero, $390,000. • Chad Young -- 1762 Summer Bloom Drive, Melody Homes Inc, $399,300. • Kenneth and Patricia Schultz -- 1916 Los Cabos Drive, Loene Stroh, $400,000. • Mark and Cynthia Yergler -- 1989 Floret Drive, Melody Homes Inc, $402,700. • Kevin Zondervan -- 5522 Osbourne Drive, Corinna Denise Gonzalez, $405,000. • Ryan Sharp -- 4739 Waltham Drive, Saint Aubyn Homes LLC, $413,500. • John and Emily Holtzman -- 1026

• • • • • • • • • • • • • • • • •

Grand Ave., Old Park Homes LLC, $413,900. Joshua and Celeste Mickelson -- 620 Saratoga Way, Michelle Moran, $425,000. Jacob and Michelle Quinn -- 1572 Clarendon Drive, Melody Homes Inc, $431,100. Bradley and Marie Livingston -- 1964 Rose Petal Drive, Melody Homes Inc, $434,300. Maureen and John Auman -- 7740 Promontory Drive, Charlotte A Lehmann, $448,900. Ron Sprecken -- 1875 Castle Hill Drive, Saint Aubyn Homes LLC, $475,000. Michael and Dennis Pedersen -8089 Lighthouse Lane, Katherine L Parkes, $485,000. Zack Wiese -- 1980 E Seadrift Drive, Scott and Jenna Kosola, $497,500. Tammy and James Patch -- 1914 Tidewater Lane, Juma LLC, $500,400. Michael and Jennifer Jacobs -2108 Gather Court, Artesia Lot Holdings LLC, $506,000. Brandon Ribble -- 7409 Rosecroft Drive, James & Sarah Wedding, $515,000. Jonathan Peel -- 211 Cattail Bay, Luke & Ashley Brown, $527,500. Ruben Garcia -- 2048 Covered Bridge Parkway, Artesia Lot Holdings Llc, $603,000. Nathan and Jessica Rea -- 2085 Covered Bridge Parkway, Aspen View Homes LLC, $604,300. Daniel Klith -- 5538 Maidenhead Drive, Christina and Kaleb Hartje, $617,500. Scott and Jenna Kosola -- 106 Siesta Key Court, Rosalynn K Stoller, $630,000. Heath and Claire Hunter -- 300 Habitat Bay, Michael and Jill Mcgee, $637,000. Robert and Sherry Nastan -- 6033 Southern Hills Drive, Amy and John Dykstal, $690,000.

READY TO CALL HOME!

CHARMING COTTAGE

JUST LISTED! GREAT LOCATION!

6221 W 3rd St., Rd., Greeley $396,950

1015 B Street, Greeley $239,900

110 Calabria Dr., Windsor $309,950

Great West Greeley Ranch! 5 bedrooms, 3 baths, and a finished basement there is room for everyone! Great open floor plan with vaulted ceilings, gas FP, spacious dining area off the kitchen. Call to set up a private showing!

Stone and stucco exterior, vinyl windows, newer roof

Located just blocks from Main St shopping, cafes, restaurants & around the corner from Windsor Lake. Everything on one level, 3 bdrms, 2 full baths. Cute fenced yard can be your summer oasis. Newer exterior paint. This one will go fast!.

July 18, 2020

and gutters. Great yard perfect for entertaining with large shade trees, spacious patio with stucco wall accents. Storage shed stucco matches the house. 2 bdrms, 1 bath, new interior paint.

At Home Northern Colorado

Troy Garcia 970-371-1059 “Make Your Next Move Count” new_horizonsreco@hotmail.com

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Featured Property

239 Skinner Gulch Rd, Loveland $590,000 • MLS# 911665 4 Beds • 2 Baths • 2334 Sq. Ft. Horse-ready mountain property just 30 minutes from downtown Loveland and 1.5 miles from Pinewood Reservoir. Vaulted ceilings, walk-out basement,4-stall barn with hay storage and loafing shed and 1000 square foot insulated garage/shop. Hardwood floors and huge windows. Year-round deer, elk, and turkey. New roof, new carpet, and water heater. Travis Annameier 970-380-4163 travis@c3-re.com

87 Jasper Lake Rd, Loveland $1,900,000 • MLS# 916979 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

34900 Poudre Canyon Dr, Bellvue $435,000 • MLS# 913140 2 Beds • 2 Baths • 1699 Sq. Ft. .35-acre lot backing to Roosevelt National Forest. This charming cabin features an abundance of wildlife and outdoor recreation. River is out your front door and lakes are minutes away. Live Life and relax in this low maintenance Colorado home.

464 Crestone Ct, Loveland $524,000 • MLS# 914822 5 Beds • 4 Baths • 3415 Sq. Ft. Amazing property in Desirable Mariana Butte featuring NEW furnace, AC, water heater & humidifier plus upgraded throughout. Quartz countertops, ss appliances, iron railing, fireplace, 2 laundry rooms, master suite and 5 pc. bath and so much more. John Simmons Jesse Laner 970-481-1250 970-672-7212 jsimmons@c3-re.com jlaner@c3-re.com

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1632 N Overland Trl, Fort Collins $2,750,000 • MLS# 910844 4 Beds • 3 Baths • 3660 Sq. Ft. One of Fort Collins best Equine training & boarding facilities. Zoned FA w/ 4 living units, indoor/outdoor arena, barns, stalls and so much more. NoCo Home Team John Simmons 970-460-4006 970-481-1250 Team@NoCoHomeTeam.com jsimmons@c3-re.com

2127 Cape Hatteras Ct, Windsor $745,000 • MLS# 915779 4 Beds • 4 Baths • 4157 Sq. Ft. 1.86 acre lot in Water Valley South. Gourmet kitchen, Master suite, Formal living room, formal dining, executive office, huge great room, etc. Master planned development w/ Golf, Tennis, Trails, Lakes, Beaches, Swimming Pool, Restaurants & Clubhouse. Jesse Laner John Simmons 970-672-7212 970-481-1250 jlaner@c3-re.com jsimmons@c3-re.com

1441 Shelby Dr, Berthoud $1,075,000 • MLS# 916434 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

www.MyColoHome.com

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

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

970.225.5152 • C3 Real Estate Solution, LLC.

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5600 W 3rd St 5-Q, Greeley $289,900 | MLS#: 917170

4304 W. 20th St Rd., Greeley $295,000 | MLS#: 918064

31386 CR 51, Greeley $765,000 | MLS#: 911356

Terrific Turnbury park Two-Story maintenance free townhome! Located in desirable Kelly Farm this three bedroom, three bath townhome is sure to please.

Looking for a deal? You found it hear! This Tri-level style with 4 bedroom, two bath home is located in desirable Virginia Hills.

Beautiful remodeled 4,700 & Sq ft home on 2.49 acres with 3 bedrooms, 3 baths and 4 outbuildings.

Steve Baker 970-302-0879

4659 W 21st St Cir., Greeley

3138 Ashton Ave., Greeley

3938 18th St Ln., Greeley $975,000 | MLS#: 915896

$849,000 | MLS#: 912451

$890,000 | MLS#: 905462

5 bedrooms, 4 baths, a magnificent main floor master suite, with 5 piece bathroom and gas fireplace in this home in Greystone at Fox Hill.

Awesome Ashton Estates ranch! Completely renovated- NEW everything! Wood look tile floors, granite upgrades throughout this five bedroom, three bath home.

If you’ve ever dreamed of living in a Tuscan Villa, your dream just came true! 4 bed, 4 bath sitting on over 2/3 of an acre lot in Pine Ridge Estates.

Steve Baker 970-302-0879

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At Home Northern Colorado

July 18, 2020