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Saturday Reporter-Herald November 27, 2010 E1

Real Estate Matters

www.homeandrealtyguide.com • Saturday, November 27, 2010 • Reporter-Herald

Lender’s decision taking months ILYCE GLINK TRIBUNE MEDIA SERVICES

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uestion: It has now been seven months that we have been waiting in line attempting to get our mortgage loan modified by our “big box lender,” as you like to call them. Each time we call to get an update, we get a new deadline of when the bank expects to have a decision. At first we got the runaround with phantom requests for paperwork that we had already submitted. Only after escalating to the State Attorney General of Ohio did the bank acknowledge receipt of our application and proceed with the process. The Attorney General told us there was little they could do. We contacted our lender a few days later, and they told us our loan was being reviewed by the underwriter and that we should follow up in 30 days. We contacted the lender again in September to check on the progress and we were told that it was still with the underwriter. At that point, we began calling every few days hoping for a real response. Finally, in early October we were told that we were “provisionally” approved and that we should receive modification paperwork in a few days via FedEx. A couple weeks went by and we contacted our lender again, and we were told that there would be a decision by Nov 5. So we waited another week before calling again, this time on Nov 3, only to be told that it could be another 30 days before we would hear from anyone. There have been no requests for additional information, and each time we call we are told a different story. We have been trying to keep pace with the payments, but it is difficult with a reduced income since taking a lower-paying job. Worse, on Election Day, two levies passed in my district, which means in a few months my total payment will increase by about $300. We are barely making it now, and the additional payment will be beyond my means. We need this modification to keep our home. We are doing our part, providing any information requested, making monthly payments, even sacrificing staying current on other bills to ensure we stay current. And yet our lender has taken I See Glink /Page E2

Location Reigns Supreme said schools Location is Loveland, play a big part in a homebuying decision. gravitate toward vital when “People specific schools — there some that are defipurchasing are nitely more popular than (in this region),” real estate others she said. Educational JADE CODY SPECIAL SECTIONS EDITOR

performance and sports tend to make some schools, and the homes near them, more palatable.

RH photo/Jade Cody

Kendall Brook is an example of a well-run subdivision in Loveland.

fering opinions on the proximity of their home hen shopping to major highways and for a home in amenities, Cook said. Loveland, loca- AMENITIES NEARBY STREETS For example, homes in tion is always a vital Connie Gliott, broker western Loveland are a One of the greatest component. It is among with RE/MAX Alliance in detriments to a home’s little further away from Ithe most influential fac- Loveland, said one of the location is when it is 25 and some of the tors in a home’s value, most important aspects right next to a busy town’s commercial both now and into the to a home’s location is street, Specketer said. amenities, yet they are future. It also dictates, its proximity to ameni“No matter what price tucked into the foothills to a certain degree, ties such as parks, bike range you’re in, if it and offer more of a quiet homeowner satisfaction. paths and lakes. She backs up to a very busy solitude. Alternatively, There are many factors pointed out the Seven street, that is always go- for some buyers, espeinvolved with home’s lo- Lakes area in Loveland, ing to be bad as far as re- cially commuters, being cation. Here are some with its private lake sale value.” close to I-25 and the important ones to conrights and close access Centerra area is Kevin Cook, broker/ sider: to bike trails and parks, president of Cottage paramount, he said. as one of the most desir- Realty in Loveland, said SCHOOLS THE SUBDIVISION able locations in Lovepeople tend to like For families, proximity land. cul-de-sacs, quiet streets If a development or to desirable schools can Specketer said being and streets that have subdivision isn’t properly make or break a deal. close to water is always a speed bumps. cared for, that can also Kristen Specketer, good thing, as is proximnegatively affect locaACCESSIBILITY Broker Associate Partner ity to golf courses and tion. Before moving with The Group in Homeowners have dif- somewhere, talk to a few urban areas such as Cen-

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“No matter street, that

terra. “People like to be close to these types of things,” she said.

neighbors about the HOA and how the subdivision is governed. Take notice of the entrance signs, the open space areas and the overall cleanliness of the neighborhood. “If it’s not maintained well, I think that really does decrease the value of the homes,” Gliott said. She said Kendall Brook, which is located in Northern Loveland, is a good example of well-run development OTHER LOCATION FACTORS TO CONSIDER IN LOVELAND

• Proximity to train tracks • Crime rates in the area • Number of shorts sales or foreclosures in what price range you’re in, if it backs up to a very busy the immediate area • Views of the mounis always going to be bad as far as resale value.” tains, greenbelts, golf — Kristen Specketer, Broker Associate Partner with The Group in Loveland courses and water.

NAR: Housing market recovery depends on jobs, access to credit NATIONAL ASSOCIATION OF REAL-

policy to urge the mortgage lending industry to reassess and amend their policies so more qualified home buyers lthough the recent can become home owners. trend of rising long-term “Currently, the overly tight borrowing rates may underwriting standards are mean higher mortgages for holding back the pace of housconsumers in the coming ing market recovery,” Yun said. months, the greater obstacles “In particular, creditworthy to housing market recovery small business owners and are job creation and availabili- those who want to purchase inty of credit, according to a Na- vestor properties have encountional Association of Realtors tered extreme difficulties in analysis. obtaining a mortgage. In con“Modest changes in morttrast, all indications are that gage rates are less important recently originated mortgages to a housing market recovery with Fannie Mae, Freddie Mac, than the number of people and the Federal Housing Adwho are able to obtain mortministration have solid loan gages,” said NAR Chief performance, implying that Economist Lawrence Yun. credit is only going to the most well-qualified borrowers. Last week, NAR’s Board of Additional creditworthy borDirectors approved a credit

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rowers who are willing to stay well within budget and meet reasonable underwriting criteria should be able to obtain a loan to help speed the housing and economic recovery.” To qualify for a loan, most buyers also must be gainfully employed. As Congress reconvenes this week and considers an extension of the Bush tax cuts, their decision could impact job creation. If the Bush tax cuts are extended for those earning less than $250,000 but taxes are increased for higher earners, Yun expects about 1.5 million net new jobs to be added to the economy in 2011. Mortgage rates are expected to rise to 5.4 percent by the end of 2011 from current 4.2 percent average rate provided the infla-

tion rate stays manageable at near 2 percent. Total home sales, both existing and new combined, would rise to 5.5 million in 2011 from 5.1 million in 2010. If the Consumer Price Index inflation rate was to reach 3 percent, then mortgage rates could rise to 6 percent by the end of 2011, cutting home sales to 5.2 million. “If the Bush tax cuts were extended for everyone across the board, an additional 400,000 additional jobs could be created in 2011, with home sales rising by an additional 60,000 to 80,000,” Yun said. “Of course, there are many factors that could influence job creation, and we also need to be mindful of the very high current budget deficits.”

Inside this week’s Home & Real Estate

Real Estate Transactions Listings of Northern Colorado homes that have recently sold

Page E2

Featured Home Plan The Lewiston is perfect for a growing family

Page E4

Front Range Gardening Director y

Carol O’Meara shares a taste of her garden for the holidays

Page E5

Page E6


Saturday Reporter-Herald November 27, 2010 E2

H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.

Loveland • Frank & Nevenka Doemland from Langar Inc, 1610 Celeste Ln, Loveland, $529,000, home • Ryan Ackley from Fannie Mae, 2505 Sapphire St, Loveland, $167,000, home • Katherine Hough from Bank New York Mellon, 5272 Fox Hollow Ct, Loveland, $330,000, home • Kenneth Weckman from Bonaventura Mark D & Judith A, 3756 Minturn Dr, Loveland, $224,000, home • Resident from Decicco Sue Abrams & Robert F, 2059 Grays Peak Dr Unit 104, Loveland, $143,000, condo • Earl & Elizabeth Kolbe from Obermann 2 Family Lp, 1014 Shortleaf Ct, Loveland, $378,000, home • Allison Reed from Clause Rodney, 312 E 11th St, Loveland, $119,000, home • John Hatcher from Davies Robyn K, 4011 Three Bridges Ct, Loveland, $134,000, home

9th St, Loveland, $185,000, home • Norma Perkins from Ripley Harlan L & Beverly J, 618 W 47th St, Loveland, $168,400, home • Linda & James Otteman from Sanchez Lori L, 513 Cape Dory Dr, Loveland, $338,000, home • James Mccormack from Schuldt Jodi M & John L, 3534 S County Road 29, Loveland, $367,000, home • Alan & Angela Skowron from Strobell John F & Susan L, 4636 Brookwood Dr, Loveland, $300,000, home • Mariah LLC from US Bank, 4715 Parachute Cir, Loveland, $149,000, home • Robyn Davies from Vail Johannes Wayne Broo & Kirsten S, 2449 Sapphire St, Loveland, $180,000, home • Linda Hubbard from Vanderslice Ira Carl & Sharlene N, 2791 27th Ct Sw, Loveland, $259,000, home • Kelley Klawiter from Wenke Mike & Marcy, 2809 Virginia Dr, Loveland, $260,000, home • Steve Simms from Zadikem Travis A, 436 E 6th St, Loveland, $125,200, home

• Langar Inc from Doemland Frank & Nevenka, 2768 Amber Dr, Loveland, $304,000, home • 287 LLC from First Community Bank, 240 Barberry Pl, Loveland, $1,207,300, home • Thomas & Bette Mann from Grove Linda, 1106 Silver Fir Dr, Loveland, $150,000, home • Richard & Vivian Garza from Hartnett Vickie, 524 Washington Ave, Loveland, $155,000, home • Daniel & Megan Tracy from Hodges Alma Louise, 620 E 6th St, Loveland, $215,000, home • Joseph Seda from Homequest Development LLC, 1250 Finch St, Loveland, $235,000, home • Dale & Brenda Friedrich from Keirns Donald D & Wanda D, 5258 Rangeland Ave, Loveland, $320,000, home • Deborah Holsinger from Leach M Darrell & V Ruth, 5931 Puma Dr, Loveland, $310,000, home • Mary Ruppert from Loveland Midtown Development I, 1819 Gemini Ct, Loveland, $177,100, home • Jennifer Huber from Massey Bonnie J, 1834 E

Berthoud

from Melton Jack Roe & Lula• Michael & beth C, 3162 Kelli Peterson Thunder Mounfrom Mountain tain Ln, Estes High Home Builders In, 1731 Park, $600,000, home Exeter St, • Colleen Berthoud, $391,000, home Costello from • Aaron & Car- Steele Mary J, 540 Laurel Ln la Gustafson Unit 1c, Estes from Berthoud Lake LLC, 2044 Park, $178,500, condo Burbank St, Berthoud, $310,000, home Johnstown • Marilyn Gar• Brandy ner from Valdez Queen from RoReal Estate Enmans Steven W terprises, 511 Pe& Mary Ann, 144 terson Dr Unit Welch Ave, 14, Johnstown, Berthoud, $147,500, home $232,000, condo • Dennis & Lin• Karen Bishda Stoval from opstone from Fannie Mae, 2 S Siefert Donna, Denver Ave, 840 10th St, Johnstown, Berthoud, $181,500, home $109,000, home • Jan & Ashley • Regina Sanders from Un- Chaloupka from ruh William L & Oakwood Homes LLC, 3830 Sherry L, 533 S 9th St, Berthoud, Beechwood Ln, $335,000, home Johnstown, $198,800, home • William & Estes Park Sherry Unruh • Robert & Lilfrom Avery Bryce ly Reilley from D & Annette H, Philip Christine 709 Jay Ave, Switzer Livin, 2200 S Shine Rd, Johnstown, $215,000, home Estes Park, $265,000, home • Linda Beach Milliken • Brenda Kittilfrom Hansen Timothy & Timo- son from Windmills LLC, 1528 thy P, 1590 S Irene Ave, MilProspect Mounliken, $149,200, tain Dr, Estes Park, $330,000, home • Shane Holhome loway from • John & Carol Raymer Paul, Hemphill from 2136 Settlers Dr, Mary A Radom Trust, 2502 Cir- Milliken, $235,000, home rus Ln, Estes Park, $730,000, Windsor home • Marie Gray • Timothy & from Fannie Mae, Laura Schiller

GLINK

206 Rock Bridge Ln, Windsor, $174,000, home • Ivy Ho from Wells Fargo Bk, 151 Beacon Way, Windsor, $165,000, home • William & Mary Hill from Anastasios Better Building Co, 7089 Spanish Bay Dr, Windsor, $376,100, home • Tamara Muhic from Clark Debra B, 4826 Haystack Dr, Windsor, $468,000, home • Carla & Michael Bachar from Tara Pt LLC, 6498 Murano Dr, Windsor, $100,000, home • Lance & Debra Alkire from Bankunited, 1727 Green River Dr, Windsor, $215,000, home • Mitchel & Yvonne Willett from Fed Home Loan Mtg Corp, 1134 Grand Ave, Windsor, $220,000, home • Beau Ward from Hapcic Brian A & Heather, 101 Whitney Ct, Windsor, $279,000, home • Cheryl Angello from Haskell Matt S, 729 Apple Ct, Windsor, $146,000, home • Brian & Frank Hapcic from Marsh Gerald L & Nancine L, 1017 Cottonwood Dr, Windsor, $163,000, home

From Page E1

seven months to tell us nothing. I wonder if the goal is to help us or drive us further in to a hole with delayed payment fees and stall tactics. If there is anything you can do to assist, I am willing to listen. Answer: There’s no question that the big box lenders have provided extremely uneven to horrible customer service at a time when their customers need good service most. It’s so disappointing. Unfortunately, the loan modification programs are voluntary, and the big box lenders have to work with each loan’s individual investors (of which there could be a lot) to get these loans modified. It’s a very complicated process, and it has not been done particularly well. Still, it’s incomprehensible why, three years in, they’re not better at this. One lender’s representative told me his company is receiving 50,000 phone calls a day. That is a lot to manage, and the technology and staffing has had to be ramped up significantly in the housing crisis started. None of this is an excuse, in my mind, for poor customer service. So, here’s what you can do. If you have a national lender (Bank of America, Wells Fargo, Citigroup, Sun-Trust and Chase are all national lenders), you can file a complaint with the Office of the Comptroller of the Currency (OCC), which regulates the national banks, including BOA. Here’s the link: www.helpwithmybank.gov/ complaints/index.html. If your lender is regulated on a statewide basis, you should file a complaint with either the FDIC (www2.fdic.gov/starsmail/ index.asp) or Office of Thrift Supervision (OTS) (www.ots.treas.gov/?p=consumer complaintsinquiries). Whether your lender is state-chartered or federally chartered, you should also contact the department or office that regulates mortgage lenders in your state and file another complaint. The best course of action is to be vocal but polite, and to keep fastidious notes. At the very least, when you file a complaint, your lender will know that you’re not getting answers and that their regulator is aware of the problem and is looking into it. Perhaps this will help. (It does not guarantee you’ll get a modification, only that the regulator will force the bank to go back and take another look at what’s going on here.) One last thing to remember: Many homeowners out there were under the belief that their big box lenders were there to help them through the crisis. These owners delivered documentation and waited patiently, only to find out that their lender’s help never came. Only a small percentage of people that have applied for loan modifications have received help. Many other homeowners have had their credit histories and credit scores harmed by the process; others still have lost their homes.

Regional Snapshot for Loveland/Berthoud Residential Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald.

August

September

October

Active Listings Previous Year Active Listings

1,054 1,074

1,027 1,031

969 963

Sold Listings

102

114

105

$192,000 $222,500

$196,000 $187,500

$211,000 $201,500

Average Days on the Market Previous Year ADOM

113 125

133 126

121 127

DISPLAY ADVERTISING 669-5050

Year to Date Listings Sold Previous Year YTD Listing Sold

941 887

1,055 984

1,160 1,110

CLASSIFIED ADVERTISING 635-3650

Monthly Volume Previous Year Monthly Volume

$25,128,272 $32,956,535

$29,834,886 $22,669,842

$27,400,541 $32,560,029

Median Sales Price Previous Year Median

EDITORIAL INFORMATION 635-3656

Mortgage rate update This week Last week Trend

30-year fixed

4.55%

4.55%

15-year fixed

3.92%

3.95%

5/1 ARM

3.43%

3.42%

For home and real estate advice, features and information, visit www.homeandrealtyguide.com

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1849 Chesapeake Circle A,B,C, Johnstown - 2 beds, 3 baths, with a 2 car aached garage. Enjoy life in this maintenance free townhome with an open floor plan. Home features many upgrades with Central AC, fireplace, led entry, decorave lighng fixtures, vaulted ceilings with fans, walk out basement, breakfast bar, and more.

255 Carina Circle #104, Loveland - Granite counters, SS appl, wood flrs, vaulted ceilings, fireplace & full bsmnts. They are going fast! HOA covers water, sewer, trash, exterior maintenance & insurance, landscape & snow removal, cable, clubhouse, pool & hot tub.

7405 Pimlico Drive, Windsor - Brand new 3 bedroom, 3 bath, 2 car garage, hardwood floors, 8000 square foot open space lot, 2014 finished square feet. $ 287,000. Ask about our great builder incenves!

Priced From $170,000s

$287,000

MLS#631317

$179,900

Priced From $151,000

MLS#642473

MLS#624039

MLS#640398

Call John Simmons 481-1250

Call John Simmons 481-1250

Call Georgena Arne 481-9801

Call Kristen Specketer 290-8097

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Northern Colorado Real Estate Source SATURDAY/SUNDAY 12:00 - 5:00

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TUESDAY - SUNDAY 1:00 - 4:00

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663 Modena Court, Loveland - Main floor master 2-story in desirable Mariana Glen. Open floor plan. 3 beds, 3 baths, office/dining, and lo with incredible mountain views. Master suite with 5 piece bath and huge walk-in closet. 10’ ceilings, 8’ wood doors, Knoy Alder cabinets & wood floors! Huge 3 car garage! Enjoy the privacy of backing up to acreage.

4635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model home at The Paos in Thompson Crossing. 6 ranch plans, 3 car gar opons, garden level lots, views, low HOA dues. Convenient locaon, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low maintanence living at it’s best!

$315,000

Priced From $329,000

MLS#640496

MLS#642483

MLS#607818

Call Carole Newberry 443-4047

Call Debbie Guinn 566-4626

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$308,500

The Real Estate Source is a magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado.

rado rn Colo Northe Source

tate Real Es w w w.

thegr

oupin

c.com

Online version of publication at www.thegroupinc.com containing links to detail pages for most listings. 48-318727


Saturday Reporter-Herald November 27, 2010 E3

Home and Garden Holiday Happenings JENNIFER LEHMAN SPECIAL SECTIONS REPORTER

Thompson Valley from the 1880s1940, Van Hare said. The great-great granddaughter of Judge Osborn, the man who originally settled the property in 1860, Louise Osborn Gardels, now 80 years old, will be attending the event, said Van Hare, and Gardels is the director of the museum non-profit. Van Hare said Gardels is eager to have Timberlane Farm Museum be an integral part of the Loveland community and events like this will help do that.

GARDEN OF LIGHTS & GIFTS FROM THE GARDENS Each year The Gardens on Spring Creek in Fort Collins are A VICTORIAN CHRISTMAS decorated with holiday lights, this This year Timberlane Farm Muyear there is an additional garden seum in Loveland will hold a Vicdisplay sculpted from LED lights. torian Christmas event. In previous years lights have The event will feature a craft decorated the existing trees, bizarre and tour of the two-story bushes and watering cans at the brick home on the property built gardens, said Laura Atwood, horin the 1880s decked out in Victoticulture education coordinator rian style for Christmas. All the and organizer of special events. vendors at the bizarre sell only This year volunteer coordinator handmade goods, said Michele Connie Meyer visited with BelleVan Hare, museum program coorvue Botanical Gardens in WashIf you go dinator, including Christmas orington state and took classes on What: A Victorian Christmas naments, handmade toys, Christhow to make flowers from LED When: 9 a.m.-5 p.m., Dec. 11 mas wreaths and baked goods. lights to add to the display. and 11 a.m.-4 p.m., Dec. 12. The history of the Osborn family Twenty volunteers helped put Where: Timberlane Farm Muse- together the lights for this year’s that settled on the land will be um, 2306 E. 1st St., Loveland tied into some of the vendors, as event, taking classes from Meyer they represent generations of the Cost: $2.50 admission includes to learn how to build plants like Osborn family who practiced simi- home tour, craft bazaar, caroling irises, daisies and lupines from lar skills or created the same and story reading; Additional $2 LED holiday lights that take a things, Van Hare said. for horse drawn wagon ride. couple of hours each to create, The event will also have live muContact: Michele Van Hare, Atwood said. sic, caroling, chestnuts roasting program coordinator, 970-217Last year 3,500 people came on an open fire and readings of 3173 through the gardens to see the Victorian children’s stories. Make Victorian ornaments: lights and they are hoping and exVisitors can also participate in a People interested in learning to pecting more people this year, Athorse drawn wagon ride pulled by make Victorian ornaments for wood said. a team of draft horses complete their own home with materials On Fridays and Saturdays Dewith jingle bells. like lace and nuts can attend an cember 3-26, there will be differTimberlane Farm Museum ofornament making class at the ent events and entertainment like fers programming and education farm museum 4-7 p.m., Nov. 30. high school choirs, visits with surrounding the way of life for Contact Michele Van Hare at 970- Santa, and the Sugar Plum farming families in the Big 217-3173 to register by Nov. 29. Hairies, three labs dressed as sugar plum fairies that perform tricks. Gifts from the Gardens is the annual sale put on by The Gardens on Spring Creek with opportunities to purchase a variety of plants grown in the greenhouse and handmade crafts from local artisans. If you go What: Garden of Lights at the Gardens on Spring Creek When: 5-8 p.m., Dec. 3-5, 12, 15-26; closed Dec. 6-7, 13-14. Special events and entertainment held Fridays and Saturdays, for complete schedule see http://www.fcgov.com/ horticulture/gardenoflight.php Where: The Gardens on Spring Creek, 2145 Centre Ave., Fort Collins Cost: $2 suggested donation Contact: 970-416-2486 or go Courtesy of Gardens at Spring Creek www.fcgov.com/horticulture/ 2009’s Garden of Lights at the Gardens on Spring Creek. This year a Gifts from the Garden schedgarden of flowers made from LED lights will be part of the display. ule: Members only, 3-5 p.m., open

(970)

to the public, 5-8 p.m. Dec 3; open to the public 3-8 p.m. Dec. 4 14TH ANNUAL HOLIDAY HOME TOUR The 14th Annual Greeley Assistance League Holiday Home Tour features five unique homes fully decked out for the holidays. All proceeds go to various organizations in Weld county. If you go What: Greeley Assistance League’s 14th Annual Holiday Home Tour When: Homes open 11 a.m.-4 p.m., Dec. 4 Where: Greeley Cost: Tickets are $13 in advance from the following Greeley locations: Guaranty Bank, Lolly’s Hallmark, Cottonwood Florist, Lincoln Park Emporium, Mariposa Plants Flowers Gifts, ALG Bargain Box or by calling 970353-2226; $15 at the door. Contact: 970-353-2226.

Courtesy of Timberlane Farm Museum

This Victorian-era book, written in 1901, will be read by Henni Penni, played by Henrietta Richardson, at the Timberlane Farm Museum event.

45TH ANNUAL CHRISTMAS HOME TOUR The 45th AnPhoto courtesy of Timberlane Farm Museum nual Christmas The brick home built in the 1880s where the VicHome Tour put torian Christmas event will take place. on by First Congregational East Side Longmont: 502 CollyUnited Church er Street, 601 Collyer Street, 608 of Christ in Longmont will be Emery Street held next weekend in three hisCost: $10 in advance available toric homes with the theme of I’ll Be Home for Christmas — 1900, at the following Longmont locations: Church office, 9th Avenue 1920s, 1940s. Complimentary and Francis Street; Longmont Christmas tea, sales of holiday Times-Call, Ace Hardware, Buzz baskets, baked goods and items Coffee, Meals on Wheels (Senior from local non-profits will be goCenter), Habitat for Humanity Reing on at the church during the store, the Orange Door; $15 on tour. tour days, available at the church If you go or at tour homes; $2 for children What: 45th Annual Christmas under 10 (tour days only) Home Tour When: 10 a.m. - 9 p.m., Dec. 3 Contact: 303-651-6546 or go and 10 a.m. - 5 p.m. Dec. 4 to www.ucclongmont.org/ Where: Homes in Historic hometour

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Saturday Reporter-Herald November 27, 2010 E4

H&RE Featured Home Plan

Lewiston is perfect for a family

Property of the Week

Lots at Warberg Farm

ASSOCIATED DESIGNS

uniquely shaped great room. It boasts a 9-foot ceiling, gas brick facade fireplace, and a richly and corner quoins gives the windowed rear wall. One set of sliding glass medium-sized ranchdoors provides access style Lewiston a feelto a large patio. ing of substantiality. Interesting angles Hipped rooflines add yet another element of characterize the walls opposite the visual appeal. This three-bedroom windows. The kitchen, too, is home is designed for families who have little angled. Amenities here include a step-in use for formal living spaces. The functions pantry, extensive counter space, and generally served by a built-in appliances. A living room, dining room and family room large utility room with are combined here in plenty of storage space one large, bright and is just steps away. The

H&RE

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History: Warberg Farm is a newly created Conservation Development founded on the land originally homesteaded by the Warberg family in 1899. Acreage: 2+ acre lots Lot types: Horse lots and lake front lots Price: $195,000-275,000 Contact: Kurt Albers, 970-231-1224 or kurtd57@msn.com

utility room has garage access as well, handy for unloading groceries in inclement

weather or after dark. The garage is large enough to shelter two cars and still have space for storage and a workbench. Another one of those angled wall spaces is the owners’ suite’s spacious walk-in closet. Other luxuries include: a small private patio with space for an outdoor spa, and a private bathroom with oversized shower, spa tub, and separately enclosed toilet. Secondary bedrooms share the central bathroom and are well-isolated from the owners’ sleeping area. Linen closets line the hallway, plus there’s a large linen closet in the bathroom as well. Double doors open

into the room on the left side of the entry, which could be outfitted as the Lewiston’s media room, study, library, or home office. For a review plan, including scaled floor plans, elevations, section and artist’s conception, send $25 to Associated Designs, 1100 Jacobs Dr., Eugene, OR 97402. Please specify the Lewiston 30-053 and include a return address when ordering. A catalog featuring more than 550 home plans is available for $15. For more information, call (800) 634-0123, or visit www.associated designs.com.

W

arberg Farm features many possibilities and amenities for people looking to purchase land for building a home. There are amazing mountain and water views, open space, a walking trail and peace garden with a gazebo for relaxing and observing local wildlife. For people looking to build, walk-out basements are possible and utilities are available at the property with. A septic tank is needed. Buyers can use one of Warberg Farms selected builders for their new home, or bring their own.

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7 LAKES MAINTENANCE-FREE PATIO HOME!

OPEN - SATURDAY 12-3PM

Warberg Farm at Chapman Reservoir OPEN Saturday 12-3PM. 2+ Acre Lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boat docks, fishing and peace garden.

Don Mackey Prudential Rocky Mountain, REALTORS 970-667-2510 dmackey@prurmr.com http://www.circlepix.com/home/B5LEUM

Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.allcoloradohomes.com

N

W 1

Your online and print resource for residential, commercial and land for sale

Enchantment Ridge FROM THE $140’S* TO $350’S

E

S

homeandrealtyguide.com

$11,000* OFF SELECTED HOMES

25

4

3

NW Corner of Wilson & 43rd St.

OPEN SAT & SUN 12-5

2

• 5 piece baths • 4 car garages • Privacy fencing • Ranch / 2-Stories 48-319224

4496 Hayler Avenue, Loveland

2

970-532-5900

(*w/ qualifying special financing)

NEW NORTHERN COLORADO HOMES

4

E 37th St. US 287

3

E 29th St.

$

3,000 Buyer Credit

OPEN HOUSE SAT. & SUN. 1PM-4PM

$ $

8,

18 0

90

Models Open Daily 10am-6pm

2,406 SF 2 Bd, 2 Ba Ranch

970-456-4600

48-321872

E 11TH ST

DENVER AVE

HWY 34

1/4 mi. So. of Hwy 34 on Boise Ave. - 1899 East 11th Street

www.newmidtownhomes.com

ak & M Fantastic Fan ntassticc views of Longs Pea Peak Mt. t Meeker from the 24 x 12 covered back patio, granite countertops, wood & tile floors, A/C, gas fireplace, 2 baths including 5 piece master, 3 bedrooms and unfinished basement - $298,664

4355 Ridgway Drive, Loveland

970-227-3893 893 48-319223

GEORGETOWN

0 90 2,072 SF 3 Bd, 2 Ba Ranch

OPEN SATURDAY 1-4 PM STARTING IN THE $200’S

TAFT

4,

17

Homes priced from the $140’s - $220’s

Seven Lakes Dr.

43RD ST.

New Homes Priced in the Mid 200’s in Desirable le Seven Lakes Area 5 Piece Master Baths, Walk-in Closets, Air Conditioning, Garages, tioning 3 Car Garages Unfinished Basement, Lake Rights 4 Ranch Plans and a 2 Story with Main Floor Master to choose from

D.E. BURNS CONSTRUCTION Quality • Integrity • Experience • Reputation

970.669.8386

48-319320

1

BOISE AVE

48-321558

2963 Purgatory Creek Drive Move in by Christmas! This former show home is ready to go! Spacious, open floor plan w/upgrades galore throughout! Enjoy numerous walking paths and lake rights. Easy living, maintenance-free patio home.

N. Madison Av.

$300,000 TO $399,999


Saturday Reporter-Herald November 27, 2010 E5

Home insurance guide for first-time buyers truck now parked in your living room,” said Andrew Wallingford, author of “The Claim Game” (Quarter he topic of insurance Sawn Books, 2009). “This can be daunting even protection shields homefor the most seasoned owners from potentially homebuyer. But don’t wait crippling financial loss.” until it’s time to sign for While most insurers include your home to think about it. full replacement cost coverThe more research you do age for the home and its in advance, the more comcontents, some require adfortable you will feel the day ditional endorsements to you move in. Consider the cover personal property. following choices below beThough it may be temptfore buying to avoid the ing to just sign the dotted wasted money and unneces- line to move along the buysary heartache that can re- ing process, don’t immedisult from overpaying on ately settle with the first your policy or paying out-of- package the insurer prepocket in an emergency. sents. Melissa Walters, coauthor of “Make No MisHOMEOWNER’S INSURANCE takes About Buying Real EsAs the most basic form of tate” (Mill City Press, house insurance, homeown- 2009), said the biggest miser’s insurance is required take first-time homebuyers for anyone who takes out a make is to not read through mortgage. It covers the their homeowner’s insurhome, any ancillary buildance contract carefully to ings (such as garages or determine what is and is not sheds) and personal proper- covered. Think critically ty. Even for those paying about whether you need with cash, homeowner’s in- personalized additions; for surance is important to cov- instance, if you have a home er investments in the case office, you need an additionof serious circumstances. al endorsement for business “It provides basic financial pursuits. Also remember to protection against a variety document all your personal of losses, such as theft, fire, property through video recording to ensure you hail, tornado or that dump

MELANIE WANZEK CTW FEATURES

T

John “Nose” How to Give Thanks

Thank YOU for a Great Year! John “Nose” $500 to Larimer County Food Bank Mortgages! when you use John for your mortgage between now and Dec. 31st*

48-319631

www.familymtgco.com Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm *minimum $150,000 mortgage LMB100008492

505 E. 4th St Loveland 970.203.0284

ThinkStock Photo

have proof of what you cov“Most people don’t realered. ize that basic homeowner’s insurance doesn’t cover waANCILLARY INSURANCES ter damage from outside the house — there are a lot Ancillary insurances, such as flood insurance or of problems that can really earthquake insurance, are zap you.” He said many things, even the construcadd-ons that if not required are often missed by tion of a new subdivision first-time homebuyers. But nearby, can spur drainage problems that lead to serieven for homes outside zone requirements (for in- ous water damage. stance, if it isn’t located in a flood zone), investing in MORTGAGE INSURANCE the policies may be a wise Mortgage protection inchoice. “A high percentage surance shields a homeof claims involve homeown- owner’s spouse from finaners with water problems cial responsibility in the who are not in a flood event that the owner passes zone,” said Sid Davis, auaway before paying off the thor of “A Survival Guide mortgage. According to for Buying a Home.” Walters, mortgage insur-

ance is one of the biggest things insurers like to sneak in that buyers are sometimes not aware of. “Essentially you can achieve the same thing by getting plain-old term insurance,” she said. “It’s enough coverage to pay off the house, as well as whatever else.” Private mortgage insurance is a different type of coverage that is connected with conventional loans. Lenders almost always require it for anyone who makes a down payment of less than 20 percent, in order to protect their investment in the event that the homeowner defaults.

TITLE INSURANCE Title insurance protects a homebuyer from other individuals making a claim on the property. The policy is often paid for by the seller but can be negotiated by the buyer. For example, if a relative of the past owner later insists he has ownership of the land, title insurance protects the buyer against the legal costs associated with the investigation and research. In most states, it is required; however, if you choose to buy in cash, then you must insist on getting a title policy that guarantees you against fraud and problems that could later arise. 48-320325

saturday PRICE

LOCATION

ADDRESS

HRS

FROM THE 43RD & WILSON AVE. THE COTTAGES AT NW LOVELAND 12-5 $140’S ENCHANTMENT RIDGE

sunday OFFICE

PHONE

THE COTTAGE REALTY 970-532-5900

140’S-220’S SE LOVELAND

BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 10-6 ON N BOISE AVE., 1899 E. 11TH

MIDTOWN HOMES

970-456-4600

$151,000

255 CARINA CIRCLE #104

1-4

THE GROUP INC

970-481-9801

$169,900* NW LOVELAND 4403 ELLIOT PL

12-5

THE COTTAGE REALTY 970-532-5900

$170,000

BERTHOUD

10818 CIMARRON ST #204

12-4

THE GROUP INC

970-481-1250

$179,900

JOHNSTOWN/ MILLIKEN

1849 CHESAPEAKE CIRCLE A, B, C

12-3

THE GROUP INC

970-481-1250

SE LOVELAND

PRICE

LOCATION

ADDRESS

FROM THE 43RD & WILSON AVE. THE COTTAGES AT NW LOVELAND $140’S ENCHANTMENT RIDGE

HRS

OFFICE

PHONE

12-5

THE COTTAGE REALTY 970-532-5900

140’S-220’S SE LOVELAND

BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 10-6 ON N BOISE AVE., 1899 E. 11TH

MIDTOWN HOMES

970-456-4600

$151,000

SE LOVELAND

255 CARINA CIR #104

1-4

THE GROUP INC

970-481-9801

$169,900*

NW LOVELAND 4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 970-532-5900

$170,000

BERTHOUD

10818 CIMARRON ST #204

12-4

THE GROUP INC

970-481-1250

$179,900

JOHNSTOWN/ MILLIKEN

1849 CHESAPEAKE CIRCLE A, B, C

12-3

THE GROUP INC

970-481-1250

$232,000

NW LOVELAND 4496 HAYLER AVE

12-5

THE COTTAGE REALTY 970-532-5900

$287,000

WINDSOR

7405 PIMLICO DR

12-5

THE GROUP INC

970-290-8097

$232,000

NW LOVELAND 4496 HAYLER AVE

12-5

THE COTTAGE REALTY 970-532-5900

$298,664

NW LOVELAND 4355 RIDGWAY DR

1-4

THE COTTAGE REALTY 970-532-5900

$287,000

WINDSOR

7405 PIMLICO DR

12-5

THE GROUP INC

970-290-8097

$308,500

WINDSOR

12-5

THE GROUP INC

970-443-4047

$315,000

SW LOVELAND 663 MODENA COURT

1-4

THE GROUP INC

970-566-4626

$308,500

WINDSOR

7409 PIMLICO DR

12-5

THE GROUP INC

970-443-4047

$329,000

SE LOVELAND

1-4

THE GROUP INC

970-217-3464

$329,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP INC

970-217-3464

$342,500

¼ MILE WEST OF WILSON ON 14TH ST. SW LOVELAND SW/HWY 402 TO THE DAKOTA GLEN 12-4 SUBDIVISION

GLEN MARKETING TEAM, ERA

970-663-4522

$342,500

¼ MILE WEST OF WILSON ON 14TH ST. SW LOVELAND SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$389,750

SW LOVELAND 975 PRISM CACTUS CIRCLE

GLEN MARKETING TEAM, ERA

970-663-4522

$389,750

SW LOVELAND 975 PRISM CACTUS CIRCLE

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

7409 PIMLICO DR

4635 TARRAGON DR

12-4

To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050

For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifieds” section of this publication. This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.

WWW.HOMEANDREALTYGUIDE.COM •CLICK ON

OPEN HOUSE MAPS


Saturday Reporter-Herald November 27, 2010 E6

H&RE

Front Range Gardening

Tasty gifts from the garden Combination CAROL O'MEARA CSU EXTENSION

E

arly this season, I planted cucumber seeds, eager to grow crisp summer salads. But the soil was cool and when they didn’t germinate, I panicked, rushing to buy sprouted vines to ensure I had a crop. Predictably, once the soil warmed my seeds sprang up, doubling my plants and their crunchy green fruit. Thus began the Year of the Cucumber. Faced with overwhelming bounty, I pickled. I relished. Then I pickled and relished some more, weekend after weekend until the house smelled of vinegar and the shelves groaned under the weight. Just when I thought my marathon of food preservation was over, the peaches ripened, giving me six bushels to eat, preserve, or give away. I did all three in a seven-day forced march of jellies, syrups, pies, cobblers and canning; Community Food Share enthusiastically took the rest. After hours of toil and a few exhaustion temper tantrums, I ended up with all of my Christmas pre-

sents, ready to go early this year, because everyone is getting a taste of the garden. For gardeners, homegrown is an A-list gift. The bounty we take for granted is a perfect for those less fortunate than us, and by “less fortunate” I mean those without a green thumb. You know who belongs on that list – they’re the ones who drop by a few times each season, stare at the garden, then tell us they don’t know how we do it year after year. A quick note accompanying a jar of mouthwatering strawberry jam tells them that this is a hobby that keeps you dreaming of spring. “After putting all that time, effort, and love into the garden, it’s hard to see anything go to waste,” says Charlotte Allen, a Boulder gardener who has made a tradition of making seed satchets to give as gifts each year. “Everybody thinks it’s lovely to get flowers, and lots of people ask if they’ll be getting some each year.” With bucket in hand, Allen winnows seed heads from her garden in fall, collecting them once they’ve dried and matured on the plant. Cleaning the seed from husks and other debris as

she sits in front of a fire in the evening, she separates the seed into small, zip-lock ThinkStock Photo baggies, atTake note of those dear to tached a photo of the flower you who might welcome a and growing instructions, window box of flowers or a then places a collection of seeds into small cloth bags. porch pot of pansies to wel“If you have a little patch come guests, given now for of flowers, go out and dead- delivery once the weather head them, putting them in- warms. This spring, shop toto a container or bucket. In gether for the flowers that an hour you’ll have enough they want, sitting with them to fill the window box just to make four or five gifts,” the way they like it. said the 30-year gardener. Your gift could be a simple “Some seed heads are easier to disassemble than others. as a packet of heirloom Pick off the husks, but leave seeds saved from your plants, or as complex as a some of the dried petals in new landscape plan for their the seeds to add color.” yard. It’s not so much the For others, a gesture they’ll love is often labor. My gift as it is the time you give creating it; in a fast-paced son regularly gives me the world that’s something to be gift of rototilling my vegcherished. etable plot each Mother’s Day, wrestling the big machine Carol O’Meara is with around until the CSU Extension in garden is smooth Boulder County. and ready for Contact her at planting. That he 303-678-6238 or works up an apcomeara@co petite that clears .boulder.co.us. my refrigerator of leftovers is a Front Range Gardening bonus.

planting comes inside

AP Photo/Pamela Crawford

This undated photo shows a decorative pot containing violas, left, spinach, center, and yellow mums from Crawford’s book “Easy Container Combos: Vegetables & Flowers“. Combination planting, or blending different plants in the same containers, is as practical as it is attractive.

DEAN FOSDICK ASSOCIATED PRESS

C To place an ad call 970-635-3650 Publishes daily in the Reporter-Herald classified section through Dec. 24 Apartments/ Duplexes 4060 Houses 4080 Mobile Homes/ Loveland Unfurnished 4030 2 BDRM- 1624 E. 17th, $625. 2 BDRM with bsmt, 2 car Spaces 4090 2 BDRM, 1 BA,top level, corner unit, new carpet. lndry on site. 1155 E 5th St. $575, wtr/swr/gas pd. N/P $200 move-in special! Faith Property 970-377-1626 2 BDRM- 525 E. 13th, $510. Cat OK, Spacious! Call rmpm.com 669-0842

Apartments/ Unfurnished 4030 1, 2 or 3 rooms Studio Vintage apts. 0 utils! Onsite mgmt. W/D, DirTV $335-$630. 970-219-6353. 1 BDRM/1 BA ground level end unit w/coin-op laundry, no pets, 558 10th St. Armadillo 970-416-RENT. rentfortcollins.com

1 BDRM, $550/mo. Clean, quiet, friendly complex, No pets. Walk-in closet, storage. HT & WTR PD. 970-667-8370.

BDRM, 1 BA, hw flrs, $495 1 & 2 BDRM, quiet, near 211 W. 8th St, Avail now! HP. LOVELAND´S BEST Faith Property 970-377-1626 FOR THE MONEY Garage with storage, A/C. Lrg 2 BDRM, no pets. $575/ Coin-op. $505 & $555. No mo, wtr/sewer pd. 1717 N pets. Call 970-669-3826. Cheyenne Ave. #12. Faith Property 970-377-1626

Commercial Industrial 4040

2 BDRM, 1.5 ba, remodeled! Hkups, $800/mo, wtr/ 1900 sq ft Warehouse/retail sewer pd. 1842 E 17th St, in Loveland. Great loc & Faith Property 970-377-1626 appearance. 970-396-1165. 2 BDRM, 1 BA, $650/mo. WTR. PD! 2346 S Colorado, Quiet. No smk/pets. 970-218-0510 2 BDRM, 1 BA, bsmt apt, hkups, 1705 1/2 E 8th St, $725/mo Faith Property 970-377-1626

Condos/ Townhouses 4050

Duplexes

2 BDRM 1 BATH, new windows, D/W, ONLY $575. Call 970-226-5600 FTCRENT.com

Duplex, 2 bdrm, 1 ba, fenced yd, patio, new kit,rfr, stove, D/W, CLEAN! No Pets, $695/mo.+ 1 mo. RENTED-IN 5 DAYS!

Garages/Storage Spaces 4070 1 CAR GARAGE- $95/mo. Great for storage. rmpm.com. 970-669-0842 STORAGE 20 x 40 with 14´ overhead door. $325/mo. Call (970)481-5899

Houses

4080

4060

1 BDRM- E. Eisenhower, $450/mo, new carpet. Call rmpm.com 669-0842

2 BDRM, 1 ba, W/D hkups, avail now. 1570 E. 8th St, Loveland. $600/mo. + $600/ dep. Tennant pays electric. No pets. (303)564-2360 or 2 BDRM apt in SW Lvld is see Miriam at 1562 E. 8th. bright & cozy warm. New 2 BDRM- 410 22nd, $795. carpet, W/D hkkups, off ● 1/2 MONTH FREE! street prkg, low utils. Priv o w n e r / q u i e t 4 - p l e x . Unf bsmt, 1 car, newer crpt Call rmpm.com 669-0842 Avail NOW. $625 Wil 970-690-5261

3 BDRM, 335 Lark Bunting$1250/mo. Great Condition! Call rmpm.com 669-0842

$450 ROOM FOR RENT everything included. Condo near I-25. 970-217-7636

NICE 3 bdrm w/ bsmt, 13⁄4 ba, frplc, 2 car gar, A/C, 6 ft. privacy fence. 1 yr lease. Ref´s req. No pets. $1,050/mo + dep. SW Lvld. 970-593-0937, 970-290-7740 3 BDRM, w/bsmt, A/C, new carpet in West Lvld. $975/mo. w/12 month lease & sec dep. Pets on appr. (970)685-8573 4 BDRM- 408 E. 40th $1095/mo. Pets nego Call rmpm.com 669-0842 4 BDRM, 4460 Hayler $1250/mo, fin bsmt, N/P. Call rmpm.com 669-0842

All real estate advertised in this paper is subject to the federal and state Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation, or discrimination.”

Commercial 5030

The newspaper will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis. 2 BDRM- 925 Lincoln, $995. Old Town, GREAT! Call rmpm.com 669-0842

Exceptional property for COZY LOG HOME living, business or both. on foothills ranch, newly 1268 N. Cleveland Ave. remodeled, scenic, private. Call (970)420-3495 1500sf 2BR 1BA 8x16 storage bldg, pets/horses OK, LEASE 2400 SF Shop with $850/mo+util. 970-667-1102 300 SF Office. $980/month. Call (719)433-5095 FOR Lease 1224 W. 10th $1100 3 bd, 1.5 ba, Immac! 970-218-6229/ 970-685-4085 OWN your own home for what you pay in Rent! Lowest rates, $0 - $1000 Down Free Prequalification. Western Plains Realty Ken or Tammy 970-663-5008

✔✔✔✔

To ensure you receive the best response to your advertisement, please check your ad the first day of publication. We regret we cannot be responsible for more than one day´s incorrect insertion. Billing inquiries can be initiated within 30 days of ad expiration.

Try a classified picture ad! Call for details

970-635-3650

NEW At Foreclosed Prices Boise Village North Homes $149k-$219k (970) 456-4600 1899 E 11th St, Loveland

Mobile/ Manufactured Roommates Wanted 4120 Homes/ Spaces 5130

$99 MOVE IN SPECIAL 3 bdrm, 1.5 ba, located in Milliken. $995, 970-310-3855

EQUAL HOUSING OPPORTUNITY

A picture is worth

Office Space 4100 a thousand words

3 BDRM- 1416 W. 25th, $895 Deck, fncd yd, 1 car gar Call rmpm.com 669-0842

OFFICE & PRIV BATH $695/mo. 1600 Sq Ft. rmpm.com. 970-669-0842

2 BDRM, 1 BA, garden level, lg LR/DR, close to 2 BDRM- 4715 Hahns Peak, downtown, lndry on site. $875/mo. Pets nego, frplc Call rmpm.com 669-0842 1145 E 5th St. $550, wtr/swr/gas pd. N/P $200 move-in special! 3 BDRM, 2 BA ranch, 2 car, Faith Property 970-377-1626 sm fncd yd, frpl, hkups, avail now! $900/mo 2 BDRM, 1 BA, lg kitchen, Faith Property 970-377-1626 lndry on site, water/ sewer/ trash paid. 1125 Gard Pl #1 $575/mo, Faith Property 970-377-1626 2 BDRM, 1 BA, lndry on site. Great loc! 1654 16th St $625, wtr/swr/gas pd. N/P Faith Property 970-377-1626

2 BDRM- 2343 SW 10th, $795/mo. Frplc, 1 car gar Call rmpm.com 669-0842

gar, W/D hookup. 5 Namaqua Ct. $1000/mo. ✭ 2 BEDROOM HOMES ✭ $575 to $650 + dep. No cat/smoker. 970-667-3353 West Hwy 34. Pets nego. Se Habla Espanol Berthoud 3 bdrm, 2 ba, gar, 970-685-8573 A/C, fncd yd, N/P N/S $995 Cottage Realty 970-532-2695

3117 BUTTERNUT DR 3 bdrm, 1 ba, single car gar, frpl, no pets. $850/mo. 970-667-8463 or 970-203-5381 Downtown corner loc, bldg w/ 3 ofcs/recept area. 4 car Foothills Apts 3 BDRM, 1 ba 504 Jocelyn, prkg. $1000/mo 970-667-5145 3+ BDRM, 2-2BA Avail FALL MOVE-IN Lvld, 2 car gar, fncd, 12/1 Fireplace, wood floors, SPECIALS OFFICE SPACESN/P, N/S $775/mo + dep large closets, fenced yard, 2 Bdrm Apartment Homes Utilities included. Avail 1/1. 970-586-1669 2 car gar, semi-fin bsmt, ● Includes Washer & Dryer 970-613-1477 1,350 + dep. Dogs Ok ● Park-Like Setting 3 BDRM, 2 ba, gar,W/D w/dep, 1466 Box Prairie, ● Garages Available West Eisenhower Office hkps, $700. No pets/smk. 2 Loveland. 281.210.7961 4 room office suite. 1913 W. 15th St. Birkley Ct Lvld 970-667-3353 Eisenhower Frontage. 970-669-7850 - Sorry no pets 3 BDRM, 2.5 bath in NW BACK ON MARKET! Plently of off-street 1200 SF- 3 bdrm, 1.5 bath. Loveland, 2 car gar, hottub. parking. Elegant historic No smoke/pets nego. $850 + $850 dep + utils. building. $1250/per month $1200/mo. (970)420-7687 Loveland (303)772-7390 plus utilities for all or will subdivide. 970-481-7580 3 BDRM- 3052 Sally Ann 3 BD or 2 BD- Free rent! $975/mo. Frplc, Fam Rm Pets nego. Quiet & spac. Call rmpm.com 669-0842 $645-$795. 970-223-1349

LUXURIOUS UPSCALE APARTMENTS STUDIO, 1, 2, & 3 BEDROOMS- Pool, hot tub, 24 hr. fitness center, business center, coffee ✭1 BDRM. Gar w/opener, shop, salon, pizza & deli. W/D, DW. No smk/pets. OPEN HOUSE, Mon-Fri $600 incl. Ht, wtr, trash. 9am-6pm, Sat. 10am-5pm. 970-667-6199 or 231-2566 325 E. 5th St., Loveland. ✭ No Fri Eve/Sat calls ✭ 1-888-822-9346

2 & 3 BDRM, cent. loc. New carpet/paint. Fncd yd, N/ P.Ht/Wtr pd! 970-308-7387

Patio, shared garage. Call rmpm.com 669-0842

5110

Farms, Ranches, Acreages 5050

✭ MOBILE HOMES ✭ BUYING/SELLING Beautiful Home in Lvld Sunset Retirement Park, only $14,900. We´re buying too! Big Sale! Many single & dbl wides. Fin avl, auto approval on owner financed homes. 970-222-1473 ✭ 690-2725 or 690-3283 ✭

14´X70´ in Adult Park ● Very well kept in great condition! 3 bedroom, 2 ba, hot tub, all appliances. Asking $33,500. 1351 Sylmar Park. (970)667-5868, lv msg.

A picture is worth a thousand words!

WOW WHAT VIEWS! 2.8 acres, water tap in & paid. Electric close, septic needed & Ish res irrig wtr. $100K, just SE of Berthoud. Call Mark Sullivan at ERA Tradewind (303)684-6335

Loveland

5110

BANK OWNEDTri-Lvl, 3 bdrm, 3 bath w/ bsmt. New floor coverings, int paint & appliances. $174,900. Re/Max Alliance, Wanda Quaid, 970-481-3033 NEW 4 car ranch, 5 pc bath, 3 bdrm, 2 ba, a/c, frpl, bsmt, stone ext $268,450 Cottage Realty 970-532-5900

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ontainer gardening is coming in from the cold, replacing the one-plant-to-a-pot displays that have been indoor decorating staples since the Victorian era. Combination planting — blending different plants in the same containers — is as practical as it is attractive. Arrangements can be created that will thrive through the winter in sunny interiors as much as they would outside in summer on patios or balconies. “Grouping plants together has several advantages, including the ability to create more impact and to water less often,” said Kathy LaLiberte, director of gardening at Gardener’s Supply Co. in Burlington, Vt. Those are the same reasons people groups plants in containers outdoors, she said. Choose your container combinations carefully, however. It wouldn’t do to mix plants having different light, temperature and water requirements, such as African violets paired with leaf lettuce, or succulents growing alongside berries. “Think as much about the horticultural side of the container garden as you would about its looks,” said LaLiberte, who recommends a “thrillers, fillers and spillers” style: “You can create a cool pot with one showcase plant, another that tucks under or fills in, and something else that’s trailing,” she said. “That makes an imaginative arrangement combining different heights, colors and textures.” Light often determines which plant varieties can be used for indoor gardening. “Unless you have artificial light or access to sunlight, you may want to veer toward getting plants that don’t crave it,” LaLiberte said. “Some of the most beautiful displays I’ve seen in recent years haven’t had any blooms in them at all, just foliage. There was all this great leaf play.” That translates into grouping different kinds of exotics — caladium, cannas, coleus or ferns, among others. Each is considered a foliage plant, yet each produces a different look: variegated leaves in some cases, or brilliant colors. Edibles also are great indoor landscaping options, delivering freshness along with convenience and fast maturity. Choices vary from micro-greens to dwarf bananas. “You can take salad fixings from seed to table in less than a month,” said Ellen Ecker Ogden, an ornamental kitchen garden designer from Manchester Village, Vt. “Cut and water and they just grow back again.” Herbs and annual flowers play well together in containers, and their blooms do double duty. “They’ll give you a little taste of summer along with some lovely colors,” Ogden said. “And they’re easy to grow from seed. Another bonus is that they’re low hugging plants. Push some seeds (impatiens, pansies or viola, for instance) into the base of foliage plants to provide more interest.” Ogden recommends starting from scratch, using seed rather than over-wintering mature container plants. “Some plants are sensitive and don’t like being moved. They suffer transplant shock if brought in,” Ogden said. “Better that you find something fast-growing so it can be sown directly indoors.” Effective indoor landscaping also includes selecting the right containers, she said. “There are so many different kinds of pots, with different sizes, different colors and materials. Try some architectural pots. They’re big, wonderful things that add greatly to indoor displays.” For more about combination planting in containers, see this West Virginia University Extension Service fact sheet: http://anr.ext.wvu.edu/lawn—garden/herbs/ container—gardening You can contact Dean Fosdick at deanfosdick@netscape.net

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