Issuu on Google+

Saturday Reporter-Herald August 7, 2010 E1

Sell with

Space Use the value of space when selling

JILL SCHUETT SPECIAL TO THE RH

H

ome buyers are searching for square footage and spaciousness. So why not give it to them? Even though a house is small, a seller can still earn top dollar on its sale by taking the time to play up its positive features and size. That is what home staging is all about. Setting the stage to sell a smaller house on the market can help the 90 percent of buyers who are unable to see all it has to offer. That’s right — home staging statistics show that only about 10 percent of buyers can actually visualize the potential of a home. So here are a few simple solutions to help buyers see and feel the space they crave, and put in an offer:

PARE IT DOWN • In a space-challenged living room or family room, start by editing furniture. Pare it down to one sofa and coffee table if necessary. Bring in a dining room chair with arms if there is room. Dress it up with a small decorative pillow or a throw over the side. The smaller the furniture and the less there is of it is best to really make that square footage shine. • Eliminate small pieces of art and plaques on walls as well as personal family photo galleries. Too many small items on walls tend to distract the eye and enclose the space. • Remove area rugs on carpeted floors as they tend to make rooms appear smaller. • Clear any excess clutter on the floors, on shelves and in corners of rooms. Pack up collections of small pieces like figurines. • Remove and store large screen TV’s, stereos and equipment that can often overpower a room. PLAY IT UP • A simple trick to make a living area appear larger is to pull sofas and other furniture off of the wall about six inches. By doing this, it creates instant depth and a feeling of spaciousness. • Place a larger mirror with a pretty frame across from a picture window, say, over a sofa to reflect the natural beauty outdoors. A mirror acts as an art piece while visually enhancing the size of the room (this works great in entryways too). • Use a fitted slipcover in a white, tan or cream adorned with pretty throw pillows to update a heavy dark colored sofa. This will instantly brighten and visually expand the space. • A glass-top coffee table is the perfect choice to allow the potential buyer to see more of the floor underneath, which translates into a more spacious feel. • Keeping interior wall paint colors neutral, light and fresh and choosing updated, simple window treatments that match the wall color, are a sure way to make a room appear larger.

www.homeandrealtyguide.com • Saturday, August 7, 2010 • Reporter-Herald

Lending Myths Can you really get a mortgage these days? RH PAID ADVERTORIAL

Y

ou have most likely read and seen the news stories all over the media: “You need 20 percent down to get a loan,” or, “if you don’t have perfect credit you cannot get a loan,” then, “only the people that don’t need a loan can get one,” and, “it’s a great time to buy but nobody can qualify.” There are too many scenarios to list. Ask the average person on the street, and they will probably tell you the same thing. After getting the constant negative drum beat of the media, it is hard not to think this. None of this is true. It is true that investors like Fannie Mae, Freddie Mac, FHA and VA have stricter standards than in years past. The industry is close to having the same guideline restrictions that it did in the early 90s. The difference between then and now is homebuyers have been spoiled with the ease of lending from 2001 to 2008. The transition has been a very hard one for most people to experience, although most will agree consumers needed stricter

RH photo

standards for lending after the housing bust. Extending credit has always been about three things — credit, collateral and capacity. Collateral is the easiest. The house needs to appraise for what the purchase price is. Credit is next; if you have paid your bills on time, getting a loan should be easy. If you have had some credit issues, there are still many resources available for loans to fit you. Capacity is where the problems come up. It is hard

sometimes to Mortgage rate update verify a steady stream of inThis week Last week Trend come, especially for self-employed 30-year fixed 4.57% 4.59% buyers. 15-year fixed 4.03% 4.05% The bottom line is do not let 3.60% 3.64% 5/1 ARM a media story stop you from trying to buy a home. Talk to a rep- to buy in six months to a year. utable lender and get your apThe climate for affordability in proval. If credit, collateral or ca- homes, along with the lowest pacity is stopping you today, rates in history are just too good lenders can get you on the path to pass up.

GET IT SOLD By putting in the work to show off square footage by setting the stage to sell a smaller home, it is sure to stand tall against the competition and earn big rewards. Jill is a Home Staging Expert (HSE) certified stager and redesign specialist serving the Northern Colorado area. For questions or more information, e-mail Jill Schuett of Applause Home Staging, LLC, at jill.applause@comcast.net, or go to www.applausehomestaging.com. 26-313725

We’re ready to GO! Please visit our new location at

2809 East Harmony Road, Suite 200 Fort Collins, Colorado (Southeast corner of Harmony and Corbett)

WHO YOU DO BUSINESS WITH.

Providing Service with Integrity

970.206.HOME (4663) | www.Colorado-Cornerstone.com Check the license status of your mortgage loan originator at www.dora.state.co.us/real-estate/index.htm. Gene Humphries • NMLS 247425 | Jim Hunter • NMLS 266865 34-314988


Saturday Reporter-Herald August 7, 2010 E2

H&RE Property of the Week

Estate H&RE TrReal ansactions

4688 Twin Peaks Ct., Loveland

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

Price: $327,000 Built in: 1999 Square feet: 3,479 Bedrooms: Four plus den Bathrooms: 2.5

T

his two story home is located in the Villages at Mariana Butte, overlooking an expanded green belt area with views of lakes and mountains. It features granite countertops, newer flooring, an open two story entry and great room and a bonus loft. Open house Sunday 1-4 p.m. Contact:For more information, contact Rick Kelleher of Coldwell Banker at 970-980-7218 or e-mail ricklkelleher@msn.com.

Regional Snapshot for Loveland/Berthoud Residential April 2010

May 2010

June 2010

Active Listings Previous Year Active Listings

1126 1069

1117 1080

1101 1095

Sold Listings

138

158

169

$199,900 $183,500

$214,500 $198,000

$234,000 $207,500

Average Days on the Market Previous Year ADOM

105 127

117 125

132 121

Year to Date Listings Sold Previous Year YTD Listing Sold

401 334

559 440

728 579

Monthly Volume Previous Year Monthly Volume

$34,199,536 $23,882,898

$39,407,269 $24,919,043

$47,395,158 $34,313,560

Median Sales Price Previous Year Median

Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald. EDITORIAL INFORMATION 635-3656 DISPLAY ADVERTISING 669-5050 CLASSIFIED ADVERTISING 635-3650

750 7 50 W W. E Eisenhower isenh hower Loveland

669-1234

view more properties at: www.HomesInColorado.com

Julie Stinson 622-1809

Julie Stinson 622-1809

1949 Hyde Drive, Loveland

2540 Mary Beth Drive, Loveland

Cute and cozy describes this immaculate tri-level located close to the hospital! 3 beds, 1 & 3/4 baths, central air, nicely landscaped yard with a great deck. Call today to see! MLS #628792 $186,000

SW Loveland “Santa Fe� model, 3 beds, 2.5 baths, master with a 5 piece bath, plant ledges, central air, gas fp, full unfinished basement, deck, sprinkler system all at a great price! MLS #618313 $218,500

Loveland, $164,000, home

Berthoud

• Thomas Pszenny from Berthoud Development LLC, 1620 HollyLoveland berry St, Berthoud, • Christopher & Suzet $247,900, home Gebhardt from William • Patricia Hill from EnE Linda F Anderson derle Dwayne J Jr & CarTru, 2005 Frances Dr, la S, 407 Colorado Ave, Loveland, $390,000, Berthoud, $168,700, home • Barbara Busby from home Cain Roger L & Alice M, 208 S Jefferson Ave, Estes Park Loveland, $261,000, • Carl & Carol Orser home from Barber James W & • Christina Pederson Betty Jo, 1360 Matthew from Alsum Patrick J Cir, Estes Park, & Margaret A, 3535 $349,000, home Donath Ave, Loveland, • Eugene & Dolores $257,000, home Hayes from Stapp • Joseph Ewing from Robert A, 630 Highland Buehler Beverly L, 2730 Ln, Estes Park, Farisita Dr, Loveland, $268,000, home $344,900, home • Lee & Michelle • Robert & Linda McClaymore from Larson daniel from Gardner John, 329 Turquoise Trl, John W C & Jesse L, 421 W 6th St, Loveland, Estes Park, $195,000, home $164,000, home • Michael & Amy Estergard from Lheureux Windsor Mark J & Kathyrine • Frances Sealy from R, 3406 Banyan Ave, Blum Jack F & Barbara Loveland, $272,900, R, 2094 River West Dr, home Windsor, $365,000, • Jonathan Griffith home from Loveland Midtown • Jesse & Dione Kelm Development I, 950 Anfrom Winner R Scott & dromeda Dr, Loveland, C Joy, 201 Pelican Cv, $203,900, home Windsor, $340,000, • Robert & Patricia home Garner from Merrell • Mitchell & Shannon Joshua Arthur & Heather A, 3875 Buena Larson from Eschino Robert P Jr & Anne L, Vista Dr, Loveland, 6527 Aberdour Cir, $188,000, home • Clay & Carolyn Ash- Windsor, $398,000, home ton from Shanahan Brendan M, 4208 Silene • Devin & Wendy Pl, Loveland, $260,000, Jones from Richards home Scott & Jill, 129 Rock Bridge Ct, • James & Juanita Windsor, $300,000, Woods from Sweatt Caprice, 579 E 9th St, home

Your Local Family Mortgage Company Here yesterday, today and tomorrow John “Nose� Mortgages!

Rates near all time low Rat

Call Today! C

www.familymtgco.co w

A+ + Rating LMB100008942 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/ind

505 E. 4th St L Loveland 970.203.02

%LJ<DUG:LWKRXWWKH:RU OPEN Sunday 1-3

Julie Stinson 622-1809

Julie Stinson 622-1809

2103 Arron Drive, Loveland

3070 Tabernash, Loveland

HUGE LOT!!! Derby Hill ranch with a full finished basement. Needs some updating, but has tons of potential! Hot tub, potting shed, oversized two car garage, mature landscaping, enclosed porch, craft room and much more! MLS #628848 $198,000

Immaculate townhome featuring 2 bedrooms, 2.5 baths, loft, fireplace, 5 piece master bedroom, Sunsetter awning, oversized garage, community pool and clubhouse. MLS #597231 $196,800

OPEN SATURDAY Christina Koder C 12-2 405-8385

3$7,2+20(6

2SHQ7XHV6

7YPJLKMYVT[OL ÂťZ[V[OL ÂťZ ,_[YHVYKPUHY`3VJH[PVU PRICE REDUCED

Brad Rowe 461-4241

-VY[*VSSPUZ

/HYTVU`*S\I

/HYTVU`9VHK

2087 Manitou Court #103, Loveland

361 EE. 42nd 42 d Street, St t LLoveland

Great end unit townhome featuring 2 bedrooms, 2.5 bathrooms, 1 car garage with open kitchen, gas fireplace, large master suite w/vaulted ceilings and an unfinished basement for expansion. MLS #633729 $159,900

Well Maintained 4 bed/4 bath home with open floor plan. This home has a master with 5-piece bath and walk-in closet, laminate wood floors, central air and gas fireplace. Call to see today! MLS #629967 $192,000

;PTUH[O

>PUKZVY /PNOSHUK 4LHKV^Z.VSM*V\Y

*YVZZYVHKZ)S]K

3V]LSHUK Nanci Garnand 227-1327 622-1810 www.4568Mead.com â&#x20AC;˘ www.LivingInLoveland.com Green Built home with 2-car garage, wood floors in kitchen, dining area, and hallway. Master has private bath. Large brick patio with gas line for outdoor grill. Fenced backyard. Full basement. $199,000

MOTIVATED SELLER

De Shunn 222-7001

;OVTWZVU 7HYR^H`

Â&#x2039;*LU[LYYH

4HWUV[ [VZJHSL

;OVTWZVU*YVZZPUN

1911 P Parkk D Drive, i LLoveland Custom home, prized neighborhood, 3,080 of nice & newer. Formal & informal living and dining, 2 masters and 5 piece baths. NO HOA, RV/boat parking, oversized garage, awesome location & much more. MLS #633522 $275,000 32-314962

=HS:JOSHNL[LY

;OL.YV\W0UJ9LHS,Z[H[L

^^^;OL7H[PVZJVT


Saturday Reporter-Herald August 7, 2010 E3

H&RE Real Estate

BEFORE AND AFTER Left: Loveland home that the Nelson’s fixed and flipped.

Loveland company gives homes new life

F

reddy Nelson and his wife, Kari, take neglected Loveland homes and restore them to their former lives and beauty. The couple are real estate investors who have lived in Loveland for six years. Their business, KioDamKee Properties, is involved in fixing and flipping homes, but has rental properties as well. Fix and flips are properties bought, renovated and then sold for profit. Freddy has been fixing and flipping homes for the past 15 years, two of those years while in Colorado. The Nelsons fixed and flipped their first home in Sheridan, Wyo., near the border of Montana, 15 years ago. The home was a 1910 Victorian that Freddy said was in hor-

W

S

E

25

1

1

Purchased homes are either bank-owned or from people who are facing foreclosure. The properties are analyzed to determine profit as well as potential renovations. The homes Freddy and Kari purchase are typically not bought by the general public. These homes are not up to code and because of this, people do not qualify for FHA loans on them, Freddy said. He will bring the home up to code to meet FHA standards so a person can get a loan and purchase the home. When closing on a home they plan to fix, Freddy and his team go to work immediately. Kitchen and bathrooms are remodeled, and new appliances are added to the kitchen. New hardware is added to fixtures and new fans are put in the bathrooms. Smoke and carbon monoxide detectors are in-

RH Photo/Linzy Novotny

I See Fix & Flip/Page 4

NEW NORTHERN COLORADO HOMES 2

Enchantment Ridge

2

E 37th St.

STARTING IN THE $140’S*

US 287

N

rid condition. The home had been turned into multiple apartments, so it took some time for the Nelsons to restore it to the single-family home that it once was. Doing the renovations themselves, the couple made learning mistakes, but corrected them as they went, Freddy said. After two years, and $50,000 later, the home sold for $165,000. The Nelsons purchased the home for $35,000. The Nelsons are in the business of finding homes that are the worst of the worst in the market and bringing them back to life, Freddy said. Some of the homes they buy are dingy with windows that need replacing or have overgrown backyards. Other homes only need a fresh coat of paint and new carpet. More often than not,l the homes that Freddy and Kari purchase are in need of some serious love.

Below: The same home in Loveland after being flipped by KioDamKee Properties.

E 29th St.

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

4496 Hayler Avenue, Loveland 4403 Elliot Place, Loveland

D.E. BURNS CONSTRUCTION

WWW.TEAMCOOK.BIZ

970.669.8386

Quality • Integrity • Experience • Reputation

970-532-5900

(*w/ qualifying special financing)

35-314071

287

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

OPEN SAT & SUN 12-5 NEW front loaded garages at The Cottages Only two available 32-316712

56

Seven Lakes Dr. N. Madison Av.

LINZY NOVOTNY FOR THE REPORTER-HERALD

Photo courtesy Rayshell Beaumont

FEATURED PROPERTIES - UP TO $199,999 OPEN SUNDAY 1 TO 4 PM

LOVELY HOME JUST MADE LOVELIER

OPEN HOUSE SATURDAY 1PM-3PM

WELL CARED FOR RANCH ON 1/3 AC!

OPEN HOUSE SATURDAY 11AM-1PM

685 Radiant Drive

1678 Rhyolite Street, Loveland

2155 Settlers Drive, Milliken

1303 Arikaree Drive

466 Elliott Street, Longmont

Convenient 2-bdrm, 2-bath ranch in excellent condition. Spacious great room, skylight in foyer, open floor plan, beautiful solid oak 6-panel doors, 2-car garage, and covered patio. $179,900

3bdrm, 3ba in Anderson Farm has new int paint & large deck overlooking a well maintained bkyd. Unfn bsmt leaves room for imagination. 2 year Home Warranty & closing cost assist may be available. $189,000

Fantastic open & spacious 2 story home, kitchen, living rm have vaulted ceilings. Tile countertops, main floor bath, fenced yard, sprinklers, A/C. Great neighborhood. $150,000 #624872

In central Loveland. Oversized living room, formal dining, enclosed sunporch. 2 year old appliances! $25K in upgrades, roof, humidifier, carpet, awning.

Updated 3 bedroom, 1 bath home in Longmont. Oversized 1 car garage w/work bench. Fantastic backyard w/shed and cement patio, extra cement pad for parking. No HOA. $161,900 #635241

Alicia Stewart Keller Williams Realty (970) 222-8871 www.kwalicia.com

Marta Loachamin Century 21 Humpal, Inc. 1-720-323-5089 marta@century21.com

Carolyn Wade RE/MAX Advanced, Inc. 970.217.9178 Carolyn@carolynwade.com www.CarolynWade.com

Maura Oleary Century 21 Humpal, Inc. 970-224-1800 maura.oleary@century21.com www.century21humpal.com

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

$200,000 - $299,999 BEAUTIFUL HOME IN MEADOWBROOK HEIGHTS

OPEN HOUSE 11-1PM

$300,000 - $399,999 OPEN HOUSE SATURDAY 2-4PM

PRICE REDUCED! AVAILABLE FOR QUICK CLOSING

THE VILLAGES AT MARIANA BUTTE - MUST SEE 4BDRM----OPEN HOUSE SUN. 1-4PM

433 Amelia Court, Loveland

320 Carina Circle #103

513 Cape Dory Drive

4360 Fruita Drive

4688 Twin Peaks Court

3bdrm, 3ba ranch w/open flr plan w/vaulted ceilings, full master bath. Fn bsmt with HUGE family room. 2 year Home Warranty and closing cost assistance may be available, call for more info. $209,900 #628532

Outstanding Townhome in Stone Creek. 2 bed 3 Baths, Single car garage. Huge Master with walk-in closet and full bath. Large kitchen with lots of storage. Unfinshed basement. New flooring and paint.

Boedecker Lake Rights! Pristine 4BR home w/unobstructed views & convenient access to lake. Hickory cabinets, slab granite counters, crown molding, new carpet & deco paints. Unfinished bsmt. MLS#631711

Beautiful 4bed/3bath brick ranch backs to open space & trail. Builder upgrades include hickory floors, granite, custom tile, full finished bsmt, 3 sided fireplace, landscaping & more! $369,900

A must-see, 4bdrm, 3ba, 3479 sq ft open 2-story on green belt, cul-de-sac lot. Granite tops, newer floors, custom paint, formal living and dining, main floor den, bonus loft. Mountain & lake views.

Maura O’Leary, Century 21 Humpal, Inc. 970-224-1800 maura.oleary@century21.com www.century21humpal.com

Barb Etherton Prudential Rocky Mountain, REALTORS 970-690-9279 betherton@prurmr.com

Barbara Giesey Coldwell Banker Residential Brokerage 970-222-4035 barbaragiesey@coloradohomes.com

Michelle Williams Prudential Rocky Mtn. Realtors 970-397-9604 michelletwilliams@yahoo.com www.circlepix.com/7AA4ME

Rick L. Kelleher Coldwell Banker Residential Brokeage 970-980-7218 ricklkelleher@msn.com www.coloradohomes.com

$500,000+

LAND FOR SALE

OPEN HOUSE SAT. & SUN. 1-4 TRADES CONSIDERED

OPEN - SUNDAY 12PM-3PM

NEW CUSTOM RANCH - 288 RESERVOIR

South on CR9, West on CR16-Warberg Farm

Walkout bsmt., open floor plan, panoramic views. In select group of lots. Pittington Ranch. Many upgrades. Must see. W. on Hwy 34, S. on CR 29 to 18E. 2.3 miles to Flat Iron Rd., right to Reservoir.

OPEN WED 11AM-1:30PM • FRIDAY 8AM1:30PM • EVERY SUN 12PM-2PM. 2+Acre Lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boat docks, fishing and peace garden.

John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512

Ursula Albers Century 21 Humpal, Inc. 970-231-0548 ursulaalbers@msn.com www.allcoloradohomes.com

homeandrealtyguide.com Your online and print resource for residential, commercial and land for sale


Saturday Reporter-Herald August 7, 2010 E4

Fix & Flip From Page 3

stalled in each home. All exterior doors are replaced. The character of the home will never be changed. If hardwood floors are present, those are refinished even though it is more affordable to lay down carpets, Freddy said. What does change with the homes KioDamKee Properties fixes and flips is the required repairs, which may be a new roof, repairs to a cracked foundation or a foundation that needs to be re-secured. “Every new home is a new puzzle,” Freddy said. Also, home inspectors for the City of Loveland walk through each home even if no permits are needed. Freddy is a general contractor who works with a seven man crew. He has employed most of the men for 10 years. The crew does most of the renovations, but electrical and plumbing improvements require those professionals to come in. Freddy always makes the final call on renovations, but he is open to his crew making judgment calls and voicing their opinions. Fix and flips are a collaborative effort. In fact, fix and flip investors work together. Freddy’s crew is very good at drywall, so his crew goes to the homes other investors are flipping to help them out. Investors know each other and are friends, Freddy said. Homes are generally fixed and flipped in three to six weeks. Sixty percent of these homes are sold, but sometimes they are kept as rental properties or investments. This may be in anticipation for the chance that the home’s value will sharply increase. The homes usually sell within three weeks of going on the market. Freddy and Kari partner with Realtor Rayshell Beaumont. Freddy also pays a portion of the closing costs. Even though a home is finished, Freddy makes continual walk-throughs to ensure everything is complete and as good as it can be, he said. Freddy contacts purchasers of these homes to get their feedback. If there is ever a need to fix something Freddy and his crew did incorrectly, the team goes back in, but that has not happened. Freddy partners with the neighbors of properties he works on. “[We] make it a point that people know who we are,” Freddy said. Neighbors are always curious, so he tells them upfront about his business. He invites

the neighbors to come see the house and the improvements being made. Recently, Freddy and Kari completed renovations of a home at 1020 W. 8th St. in Loveland. Neighbors were positive about this fix and flip and were generous, bringing over lunch a couple of times, Freddy said. Neighbors are also asked for their opinions on colors for the exterior of the homes. Freddy and Kari want the homes to fit into the neighborhood and want to bring the homes up to the standards of neighborhood residents. Unique to this home, the original builder, who lives in Loveland near the home, was able to come by. He really enjoyed seeing the process and was very positive, Freddy said. He came by at least once a week. Freddy’s advice for anyone who would like to fix and flip homes is to budget for the unforeseen. “What you can’t see will get you,” he said. As walls are torn down, a person might come across rotten beams or other problems. Also, keep in mind there are carrying costs and Realtor commissions that people don’t take into account when fixing and flipping homes, Freddy said. These costs diminish potential profit. Prior to purchasing a home to flip, a person should do their homework and find mentors. Freddy’s mentor is his cousin, who flips on average 100 homes a year. Flipping is stressful and is a field you have to enjoy, Freddy said. He likes to help up-and-coming, fix and flip investors as well. KioDamKee Properties is getting pretty busy. They have five homes currently under contract in Loveland. Loveland is a prime market for fix and flips, Freddy said. Investing is on an uphill climb and so is the redevelopment of downtown Loveland. With nearly 50 homes worked on and either sold or kept as a rental, KioDamKee Properties is on their way to restoring older homes in Loveland and removing eyesores from the community.

BEFORE AND AFTER Top: After photo of refinished bathroom in Loveland home. Below: After photo of living room and side view of kitchen. RH Photos/Linzy Novotny

Bottom left: Before photo of bathroom. Bottom Right: Before photo of bathroom. Photos courtesy of Rayshell Beaumont

Open Houses This Weekend - www.thegroupinc.com PRICE REDUCED!

NEW HOME!

SATURDAY 12:00 - 2:00

SATURDAY 1:00 - 3:00

SATURDAY 1:00 - 3:00

SATURDAY 1:00 - 3:00

1234 E 3rd Street, Loveland - Enclosed porch, nicely maintained landscaping, newer concrete sidewalks, roof & exterior paint. A fenced bckyrd w/large deck, 1.5 car detached garage&alley access. Fin bsmt w/possible 2nd bdrm, upper lo area & lots of storage.

5454 Wild Lane, Loveland - Absolutely Adorable! Historic ranch home last updated in 2005. Gorgeous hdwd flrs, redone kitchen & bath & wonderful great room. Home is on almost 1/3 acre yard w/mature trees, huge deck & pao w/ gorgeous mtn in views.

130 Grant Avenue, Loveland - Victorian home in the heart of downtown. Totally updated w/historical charm. New windows, newer furnace, carpet, appl, cabinetry. Mstr bdrm has a 1/2 bath + adjoining office. Well-kept, spacious backyard. Hosted by: Amy Lane 567-0816.

810 Village Drive, Milliken - Model home for sale! Ranch and 2 story plans to chose from, with 3 bedrooms & 2 baths. Front yard landscaping with sprinkler included. Visit the model home at 810 Village Dr or call for a personalized showing!

$139,900

$163,000

$169,900

$169,900

MLS#634814

MLS#634467

MLS#634492

MLS#624598

Call Mark Koentopp 218-5183

Call Rhonda Heth 566-3516

Call Cindy Kurtz 962-6832

Call Kelli Couch 310-8804

ONLY 4 UNITS LEFT

SATURDAY/SUNDAY 1:00 - 5:00

SUNDAY 1:00 - 3:00

SUNDAY 1:30 - 3:30

SATURDAY 1:00 - 3:00

SUNDAY 11:00 - 1:00

10818 Cimarron Street #204, Firestone - Fully upgraded, wrap around covered porch + outside storage, hardwood floors, fireplace, breakfast bar, full 2nd bath w/le floor, aached gar w/storage access, AC, Master Suite & 5-pc bath, walk in closet, Flat screen TV included.

353 Indiana Avenue, Berthoud - There are 3 bdrms + add’l office space, 3 bths , oversized 2 car garage & detached shop/studio w/220 electric. Brand new carpet and kitchen flooring. A huge deck overlooks lg mature backyard. Only 1 block from Ivy Stockwell.

2528 Mary Beth Drive, Loveland - 2 story in great neighborhood. Vaulted living room w/ gas fireplace. Dining room w/ slider accessing pao & fenced backyard. Kitchen w/ breakfast bar, all appliances included. Vaulted master w/ private 3/4 bath, walk-in closet. 2 car garage w’ workbench.

2102 Farisita Drive, Loveland - Classy all brick custom home. Over 2,000 SF on one level. New carpet throughout. Oversized garage. Spacious corner lot. Full rock fireplace. Southern exposure w/views of Rist Benson Lake. Hosted by: Bob Skillman 631-2257

1586 Persian Avenue, Loveland - 2 Story w/ mtn & foothills views! Bay window in dining rm. Gas log fireplace, 42” cherry cabinets, pullouts in all cabinets & SS appliances. Custom redwood deck, raised garden & shed in fenced backyard. Master suite w/ sing room/study + 5pc bath. 2 car garage.

$179,000

$200,000

$206,900

$241,500

$259,000

MLS#631317

MLS#615783

MLS#625336

MLS#634231

MLS#624153

Call John Simmons 481-1250

Call Cindy Kurtz 962-6832

Call Don A. Riedel 679-8265

Call Cindy Kurtz 962-6832

Call Don A. Riedel 679-8265

NEW HOMES IN SE FORT COLLINS

ALL THE BELLS AND WHISTLES

SIMPLY IRRESISTIBLE

SUNDAY 1:00 - 3:00

SATURDAY/SUNDAY 12:00 - 5:00

SUN 12:00 - 3:30 & WED 3:00 - 6:00

SATURDAY 1:00 - 3:00

1020 Burrowing Owl Drive, Ft. Collins - Choose from 4 ranch & 5 two-story floor plans. 1,625 to 2,535 finished sf. Base prices from $259,000 to $320,000. Generous list of included features in every home! Energy efficiency built into every home.

130 E Turner Avenue, Berthoud - Wow! 700 sq  of hardwoods on the main level & the enre basement is done in gorgeous le! Main floor master. Open floor plan, vaulted ceilings & lots of light throughout. Fireplace, central air, sprinkler, office & an oversized concrete pao.

2105 Buffalo Mountain Place, Loveland - 2-story in High Plains! Main floor master suite, main floor study/office, lo and finished ac space, 2 addional bedrooms and an unfinished basement! Home has a decorator touch, pao and beauful professionally landscaped fenced yard.

$279,000

$280,000

$282,000

MLS#621175

MLS#633420

MLS#628774

Call Dianne Breneman 222-8549

Call Linda Sioux Stenson 215-9044

Call Ryan Spencer 214-0263

$309,500

BACKS TO OPEN SPACE

MLS#607818

Call Tracy Wilson 567-0907

Call Val Schlageter 217-3464

A N E XC L U S IV E SERV ICE OF T HE G R OUP, INC. R EAL ESTAT E

SATURDAY/SUNDAY 12:00 - 5:00

SUNDAY 1:00 - 3:00

SATURDAY 11:00 - 3:00

1014 Burrowing Owl Drive, Ft. Collins - Welcome to Waterleaf! Smartly Designed Homes for Northern Colorado Living. Choose from 4 ranch & 5 two-story floor plans. All appliances included. Amazing list of included features! Pricing from upper $200’s to low $400’s.

1939 Rivers Edge Road, Windsor - Well kept home w/le flr, new carpet, granite island, formal dining & private office. Mstr suite has a sing area, closet that will WOW you and a fully fenced backyard w/a lg pao. 3-car garage & unfinished bsmt.

4785 Ignacio Court, Loveland - Huge vaulted ceilings, handdistressed hardwood flooring, 8’ solid wood doors & custom blinds. Granite countertops, auto-lighted pantry, pasta pot filler, ss apps & alder cityscape cabinets. 2 flat screen TVs. 2 fireplaces.Whole-house surround system. 4 car heated garage.

$389,500

MLS#621243

MLS#631002

MLS#630305

Call Ma Thompson 443-9910

Call Mark Koentopp 218-5183

Call Tracy Wilson 567-0907

Priced From $324,000

MLS#633055

Northern Colorado Real Estate Source

$325,000

TUESDAY - SUNDAY 1:00 - 4:00

1016 Janna Drive, Loveland - This home boasts of 4635 Tarragon Drive, Loveland - Tired of yardwork? Visit an updated kitchen w/slab granite countertops & our furnished model home at The Paos in Thompson upgraded appliances. Dining area opens to deck Crossing. 6 ranch plans, 3 car gar opons, garden level lots, overlooking a private back yard featuring a large lower views, low HOA dues. Convenient locaon, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low deck. Master suite w/5-piece bath. maintanence living at it’s best!

$530,000

32-316025

The Real Estate Source is a magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado. Online version of publication at www.thegroupinc.com containing links to detail pages for most listings.

rado rn Colo Northe Source

tate Real Es w w w.

thegr

oupin

c.com


H&RE

Saturday Reporter-Herald August 7, 2010 E5

Front range gardening

Loveland Rose Society hosts annual rose show JENNIFER LEHMAN SPECIAL SECTIONS REPORTER

T

I’d love to live in Loveland with a girl like you And ev’ry day a holiday with skies of blue The Loveland Rose Society was established in 1963 and member Paula Boyle, Loveland resident since 1945, was part of the original organizing group. She is the club's charter member and has held about every office in the society. “We have a lot of exhibitors, so we're always enthusiastic about it,” Boyle said. “We have judges from Colorado Springs, Pueblo, Denver, Longmont, it is a real well-judged show,” she said. “We just think everybody loves roses, and this is the time to see all the beautiful roses that are out at the rose show.” This year's rose show is dedicated to Melvin F. Greene, who was a past president of the society more than once and “very, very active,” Boyle said. “He was a real good rose grower, he had beautiful roses.” He brought new members to visit his rose garden and showed them what to do and what not to do. He was “very instrumental in getting everybody involved.” Boyle said. A ceremony for Greene with Greene's family will be

held around 4:30 p.m., after show winners are awarded. The Loveland Rose Society currently meets once a month except for December and January and has about 25 members. The society has speakers for its members and discussions on how to care for roses year round. “The purpose of our club is camaraderie. We're all together for the love of roses, for the love of each other, for friendships,” Baird said.

If you go What: Loveland Rose Society’s 45th Annual Rose Show When: 7-9:30 a.m. entries received; 12:30 to 5 p.m., open to public. 2 p.m., class on “How to grow roses in Colorado” with Q and A session. From 12:30 to 4:30 p.m., sale of bud vases, rose photography, and crafts. Award ceremony, 4 p.m., followed by sale of entries. Where: Mountain View Presbyterian Church, 2500 N. Garfield Ave., Loveland. Cost: Free More information: 970-482-8154, www. lovelandrose society.wordpress.com

RH Photos / Jennifer Lehman

The garden of Pollyann Baird, president of the Loveland Rose Society, has a variety of roses. Above right: Baird cuts rose blooms from her garden. Anyone can cut roses from their garden and enter them in the society’s rose show next week. 32-316100

he 45th annual Loveland Rose Society's Rose Show will be held next Saturday, Aug. 14 at Mountain View Presbyterian Church in Loveland. Anyone can exhibit their entries in the show at no cost, and admission to the event is free. At past shows the Loveland Rose Society has hosted 125 entries from 25-30 exhibitors and a public attendance of over a hundred people, said Carol Bergersen, Rose Show Chair and the society's 2nd Vice President. The society has publicized the show more this year and expects a larger turnout, she said. The show's judged competition includes entry possibilities for different varieties of roses, photography and flower arrangement. The society is currently working on new member outreach and has given fliers to homes with rose gardens around town, trying to get the word out. “It's been quite successful, it's so exciting,” said Pollyann Baird, the society's president. Baird hopes the rose show will draw in additional new members and people interested in learning more about

roses. “What better way to learn than to come to the show, or better, enter,” Baird said. “Just pick a basketful of roses and bring them in and we'll help you. It's fun.” Novices should make sure roses have long stems. “It's quite technical, but it doesn't necessarily have to be that way for beginners. You learn. I've been in it for five years, and you learn a lot,” Baird said. Baird inherited her rose garden from her mother and father located at the same downtown Loveland home she's lived in since high school. The garden was started in 1920 and the craftsman home is a Loveland Historical Landmark. Baird joined the rose society after retiring from professional ballroom dancing. “I realized, I need to be serious, learning the names, how to take care of them,” she said. Each year, the show’s theme is reflected in the flower arranging competition. For this year’s theme, Loveland: The Sweetheart City, the society reviewed old songs about Loveland and pulled specific lyrics to inspire exhibitors in each categor y. One lyric excerpt is:

saturday

sunday PRICE

LOCATION

ADDRESS

HRS

OFFICE

PHONE

$148,500

SW LOVELAND

320 CARINA CIR #103

11-1

PRUDENTIAL ROCKY MTN

690-9279

$149,900*

NW LOVELAND

43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5

THE COTTAGE REALTY 532-5900

$164,900

NW LOVELAND

3122 BIRCH DR

11-1

RE/MAX TOWN & COUNTRY

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 532-5900

566-3516

$179,000

BERTHOUD

10818 CIMARRON STREET #204

1-5

THE GROUP, INC.

481-1250

THE GROUP, INC.

567-0816

$179,900

NE LOVELAND

685 RADIANT DR

1-4

RE/MAX ADVNCED

217—9178

1-3

THE GROUP, INC.

310-8804

$190,565*

NW LOVELAND

3399 FOSTER PLACE

12-5

THE COTTAGE REALTY 532-5900

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 532-5900

$200,000

BERTHOUD

353 INDIANA AVE

1-3

THE GROUP, INC.

962-6832

BERTHOUD

10818 CIMARRON STREET #204

1-5

THE GROUP, INC.

481-1250

$206,900

SW LOVELAND

2528 MARY BETH DR

1:30-3:30 THE GROUP, INC.

679-8265

NW LOVELAND

3399 FOSTER PLACE

12-5

THE COTTAGE REALTY 532-5900

$227,900

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

SW LOVELAND

1586 PERSIAN AVE

11-1

THE GROUP, INC.

679-8265 222-8549

PRICE

LOCATION

ADDRESS

HRS

OFFICE

PHONE

$139,000

NW LOVELAND

325 WALTONIA RD

2-4

1ST COLORADO REALTY

586-0421

$139,900

SW LOVELAND

1234 E 3RD ST

12-2

THE GROUP, INC.

218-5283

$148,000

NE LOVELAND

4737 SUN VALLEY

1-3

KELLER WILLIAMS

690-4470

$149,900*

NW LOVELAND

43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5

THE COTTAGE REALTY 532-5900

$163,000

SW LOVELAND

5454 WILD LANE

1-3

THE GROUP, INC.

$169,900

SW LOVELAND

130 GRANT AVE

1-3

$169,900

JOHNSTOWNMILLIKEN

810 VILLAGE DR

$169,900*

NW LOVELAND

$179,000 $190,565*

290-3393

$227,900

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$259,000

$241,500

NW LOVELAND

2102 FARISITA DR

1-3

THE GROUP, INC.

631-2257

$279,000

FORT COLLINS

1020 BURROWING OWL DR

12-5

THE GROUP, INC.

$279,000

FORT COLLINS

1020 BURROWING OWL DR

12-5

THE GROUP, INC.

222-8549

$279,685

NW LOVELAND

4475 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$279,685

NW LOVELAND

4475 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$280,000

BERTHOUD

130 E TURNER AVE

12-3:30

THE GROUP, INC.

215-9044

$282,000

NE LOVELAND

2105 BUFFALO MOUNTAIN PLACE

1-3

THE GROUP, INC.

214-0263

$309,500

NE LOVELAND

1016 JANNA DR

1-3

THE GROUP, INC.

567-0907

$324,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP, INC.

217-3464

$324,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP, INC.

217-3464

$325,000

FORT COLLINS

1014 BURROWING OWL DR

12-5

THE GROUP, INC.

443-9910

$325,000

FORT COLLINS

1014 BURROWING OWL DR

12-5

THE GROUP, INC.

443-9910

$327,000

SW LOVELAND

4688 TWIN PEAKS CT

1-4

COLDWELL BANKER

980-7218

$385,000

SW LOVELAND

513 CAPE DORY

2-4

COLDWELL BANKER

222-4035

SW LOVELAND

11-4

663-4522

¼ MILE WEST OF WILSON ON 14TH ST. SW/ 11-4 HWY 402

GLEN MARKETING TEAM, ERA

663-4522

SW LOVELAND

GLEN MARKETING TEAM, ERA

$385,400

$385,400

¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402

$389,500

WINDSOR

1939 RIVERS EDGE RD

1-3

THE GROUP, INC.

218-5183

$399,750

SW LOVELAND

975 PRISM CACTUS CIR

11-4

GLEN MARKETING TEAM, ERA

663-4522

$399,750

SW LOVELAND

975 PRISM CACTUS CIR

11-4

GLEN MARKETING TEAM, ERA

663-4522

$530,000

NW LOVELAND

4785 IGNACIO CT

11-3

THE GROUP, INC.

567-0907

$429,000

SE LOVELAND

2935 CHALLENGER POINT

1-4

RE/MAX ADVNCED

566-0313

$895,000

SW LOVELAND

288 RESERVOIR DR

1-4

PREMIER LIFESTYLE

481-5512

$895,000

SW LOVELAND

288 RESERVOIR DR

1-4

PREMIER LIFESTYLE

481-5512

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 August 7, 2010 E6

H&RE Front range gardening

do. For someone who lives on the plains instead of the mountains, a faux hummingbird is welcome. That is, until the real deal shows up. If you’re hearing hummers zipping overhead, it’s not your imagination — we’re into the season of migration for hummingCAROL O'MEARA spit on you. Instead I patted its birds. CSU EXTENSION back, encouraged it to eat its fill, “Actually, they pass through and left it alone. here twice each year,” said Mari This wasn’t the move of a noreveral years ago, an invader Hawk, salesperson with Wild mal gardener, who usually view entered my yard and wiped Birds Unlimited, 3636 South hornworms with loathing. After out every caterpillar from College Avenue in Fort Collins all, the gigantic green caterpillars (fortcollins.wbu.com/). “They the garden. Where once were parsleyworms and painted ladies, eat tomato plants down to a nub, head up to the mountains from and the pointed, red spike on there was only the European pamid-April to mid-May but don’t their tail looks threatening. Their stop in yards much because we per wasp; nothing flitted and droppings are elephantine in size; don’t have many flowers for them danced across the tops of plants they’re usually the first thing a anymore. It hunted down every to feed from. They stay in the caterpillar, and I mourned the loss gardener notices when they’re mountains, nest, then head back near. of butterflies from the yard — down in stages beginning in early even those that dined on my vegSo why welcome this creature to July,” she said, recommending etables. the tomato patch? Because as an putting out hummingbird feeders every year on the fourth of July. adult, the hornworm is a humBut last summer, after seasons Males are the first to head of absence, a single tomato horn- mingbird moth (Manduca quinsouth, leaving the females and juworm lived in my garden. Discov- quemaculata). Big, mottled veniles to linger in the mountains. brown, white, and tan, the humering it as I harvested cherry After spending time alone with tomatoes, I nearly picked it up to mingbird moth visits plants after the youngsters, females are the dark, hovering over them to sip cuddle it in joy, until I rememnext to migrate through, with jubered that when you do that, they nectar, much as hummingbirds

veniles trailing behind. In this ton of hummingbirds at any given leisurely migration, broadtails, ru- time, and they only stop, take a fus, black chinned and calliope drink, then keep migrating. Use hummingbirds will visit our yards little feeders, one-quarter full, through September. and change the sugar water often “The fun part is that humming- or it ferments. You don’t want to birds remember where they’ve fed. get the little guys drunk — So if you have feeders out or flow- they’d be easy prey for predators ers they love, you’ll see the same if disoriented.” bird next year. It will visit again — Mix your own with four parts they’re very, very scheduled; they water to one part sugar, and skip remember every one of their the food coloring, which is harmstops.” ful to hummingbirds. Bring it to Attract hummingbirds to your a boil to dissolve sugar and get yard by adding the color that calls rid of impurities, then refrigerate to them as they wing past. “What it until your feeders need a refill. they’re looking for is reds, pinks, Between the hummingbirds and and purples. These are the colors moths, your yard will be full of of flowers that produce the most fun. nectar. If you don’t have flowers, put up red ribbon, fake garlands or flags,” said Carol O’Meara is Hawk, who has been helpwith CSU Extension ing people understand bird in Boulder County. behavior for over three Contact her at years at the store. 303-678-6238 or Then keep a small comeara@co amount of sugar water in .boulder.co.us. your feeder, replacing it every three to four days. Front Range Gardening “Down here there’s not a

Humming birds and moths fun for garden

S

Thin out radishes to ensure healthy roots Plentiful top growth may also be caused by excess nitrogen. Question: I planted rosemary last year in my garden. This year it’s uestion: My radishes have weak and appears to be dying. lush green tops with thin Answer: Rosemary is a perennial roots. Can you advise me on that may not survive in areas with what might be the problem? hard winters. Plant this fragrant Answer: There are several reasons herb in well-drained soil in a sunny, for bountiful top growth without sheltered area. Over-watering could good roots. If you sow radishes too also be a problem. If a plant expericlose together and don’t thin them ences prolonged drought stress, it soon after emergence, they won’t may not recover. Rosemary needs form good roots. Radishes should consistent moisture to help with surhave two inches of space between vival. If you’ve tried growing it for plants. A lot of energy will go into several seasons, it may be best to pushing top growth, flowers and treat it as an annual. seeds. Radishes grow best when soil Question: My beautiful flowers on temperatures and air are still cool. my hanging basket of annuals have

LEE STEWART CSU EXTENSION, LARIMER COUNTY

Q

stopped blooming and plants look sickly and yellow. What should I do? Answer: Hanging baskets and container grown plants have their vital nutrients continually leached from soil by frequent watering. Plants need to be fertilized with a good quality soluble or slow-release fertilizer to bloom and stay healthy all season. Lee Stewart has received training through Colorado State University Extension's Master Gardener program and is a Master Gardener volunteer for Larimer County. For more information about CSU Extension, Larimer County, call 970-498-6000 or visit www.larimer.org/ext.

To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place your ad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com

Apartments/ Duplexes 4060 Houses 4080 Unfurnished 4030 3 BDRM, 1303 Nickel, $675. 3 BDRM, 4201 Rocky Ford, 3 BD or 2 BD- Free rent! Pets nego. Quiet & spac. $625-$695. 970-223-1349 LARGE 3 bdrm, 2 bath 1312 sq ft. Lots of storage/ amenities Great Location, won´t last! 970-667-1644

Apartments/ Furnished 4010 ALL BILLS PAID!!! 1 BDRM/studio, Downtown Loveland. $500-$550/mo. Call 970-391-0834

Apartments/ Unfurnished 4030

Finished bsmt, patio. Call rmpm.com 669-0842

Houses

4080

Spacious 2 bdrm, 1.5 bath 945 sq ft. Central Air! Nice area!Call Today! 970-667-1644

Commercial Industrial 4040 1147 SF Shop + Loft, OHD, 3/4 bath + office. $795/mo. 136-1/2 South Lincoln. 970-663-3493, weekdays before 5pm. 970-663-3228

2000 Sq Ft Beauty Shop/ 1 rm, Studio+ Vintage apts Retail on 4th St. Off street 0 utils! On-site mgmt. W/D, prkg. Call 970-593-2401 DirTV $333-590 970-219-8162 6000 SF Retail/Warehouse 1 bdrm, 518 E. 1st, $440/mo, on Hwy 287. Overhead door. no stairs, NICE! Call 970-593-2401 or 970-227-7447. rmpm.com 970-669-0842 Approx 700 SF 2nd floor storage/office, NW corner of Bunyan & 1st, Berthoud, $575/mo + dep 970-532-2652 1 BDRM, $550/mo. Clean, quiet, friendly complex, No pets. Approx 800 SF 1st floor Walk-in closet, storcommercial/office space, age. HT & WTR PD. Mt Avenue, Berthoud, 970-667-8370. $700/mo + dep 970-532-2652

EQUAL HOUSING OPPORTUNITY 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.” 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.

1 Bdrm, 713 Garfield $440/ Best location in Berthoud, mo, Wall AC, main level 350 SF commercial/office Call rmpm.com 669-0842 space, 345 Mt Avenue, $500/mo + dep 970-532-2652 3 bd, 1.5 ba, lg fncd yd, 2 car $1095+dep 2330 W 22nd St LVLD N/P 303-549-5715 1 BDRM APARTMENTnew paint/flooring, W/D 3 bdrm, 1221 BARRETTAhookup, no-smoke, utils pd. $1095/mo, pets neg, 2 car $595/mo. (970)669-2645 Call rmpm.com 669-0842 ✭1 BDRM. Gar w/opener, W/D, DW. No smk/pets. $600 incl. Ht, wtr, trash. 3 BDRM, 2 Ba Beautiful 2 bdrm, 129A S Monroe, Lvld; Pet neg, no gar, sm 970-667-6199 or 231-2566 Townhome - Centerra! yd $700/$700 303-659-7471 ✭ No Fri Eve/Sat calls ✭ Amazing views, W/D, A/C, garage, trails! $1250 3 BDRM, 222 SW 42nd, drakemanor.com 2 BDRM Mobile home, $870/mo, new carpet/paint. (970)493-4052 $600, rent includes utils. Call rmpm.com 669-0842 Estate Builder 970-667-3400

Condos/ Townhouses 4050

2 BDRM Mobile home, $600, rent includes utils. Estate Builder 970-667-3400 2 BDRM, 1.5 bath. Large unit! $700/mo. + utilities. Avail immed. 970-4816418 2 BDRM, 1 bath- $665 ALL utilities included! Clean and quiet end unit. On-site laundry, close to rec center! 970-669-1375

2 BDRM, $625 + elec, free heat & basic cable, clean, pool, No pets. A/C, coin-op, pantry. 970-663-6787 or 970-430-0859

Duplexes

4060

2 Bdrm, 1315 East 21ST, $850/mo, 1 car gar, Nice! Call rmpm.com 669-0842

3 BDRM, 2.5 BA, newly remodeled including paint, carpet & appliances. Avail immediately. $995/mo, 970-667-0860

Mobile/ Manufactured Homes/ Spaces 5130

$1175/mo, Unfin bsmt, A/C Call rmpm.com 669-0842 3 Bdrm, 4307 Filbert, $1295 Sunroom & pets nego. Call rmpm.com 669-0842 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.

Businesses Established 5025 Oil & Gas Opportunities 15% to 30% Annual Return Direct Participation/ Tax Benefits Gary 970-927-2764/309-1535

Lots & Tracts

✭ MOBILE HOMES ✭ BUYING/SELLING Local park needs used mob homes. We´re buying! Big Sale! Many single & dbl wides. Fin avl, auto approval on owner fin homes. Bad credit OK! Moves avl. 970-222-1473 ✭ 690-2725 or 690-3283 ✭

❦❦❦❦❦❦❦❦❦❦❦ 2 bedroom, 2 bath, 1995, 14x70, all appl inc, fenced yard, pets ok, shed inc, lots of extras $17,500 303-746-3143

❦❦❦❦❦❦❦❦❦❦❦

5100

´03 Mobile home, 16x80, 3 bd, 2 ba, Berthoud, A/C 2 ACRE LOT, Berthoud applc & shed incl. Exc area, $40K price reduction, cond. $30,000 ✭ 303-772-4324 $125,000. Call Steve Conder for details, 303-514-3706.

Mountain Mobile Homes/ Loveland Spaces 4090 ✭ 2 BEDROOM Home ✭ $575+dep. West Hwy 34. 970-690-9049

BANK OWNED- 3 bdrm, 3 bath, 2-story, 1/2 duplex, main floor master, A/C, frplc. $227,900. Re/Max Alliance, Wanda Quaid, 970-481-3033

✭ 3 BDRM, 2 BATH ✭ Remodeled home. West Hwy 34. $700/mo. Pets nego. 970-690-9049 Move in August for $1!!!! NO JOKE Only 3 homes available, Quick & Easy Approval Look today, MOVE TODAY Call 970-420-8488 wac NEW HOMES REDUCED! Don´t miss out on this SAVINGS EVENT! Easy approval, quick closings & affordable payments. Tax ID´s welcome. Limited availability ACT NOW!! Call 970-420-8488 *wac

Office Space 4100

5140

5110 325 Waltonia Rd, only $139K OPEN SAT 8/7, 2-4pm Fabulous 2 bdrm, 1 ba cabin, off Hwy 34 just W of Drake. 1st Co Realty, Robin Serafini 970-586-0421

Rural

A picture is worth a thousand words Try a classified picture ad! Call for details

5180

“Artists Dream Come True” 2 houses in 1, plus a SCULPTURE STUDIO out your back door, & pole barn w/15x52 covered car port. All this on almost 3 acres & only 15 mi. from town. $625,000. 970-669-3404.

970-635-3650 ~ HORSE PROPERTY ~ 5 bdrm, 4 ba ~ 5000 sq ft on 1.5 acre ~ Johnstown. $275K SS BANK OWNED, HUD & VA Western Plains Realty www.Foreclosures Ken or Tammy InLoveland.com (970)663-5008 to request a copy of the list! Julie Stinson RE/MAX Alliance 970-622-1809

HIGH TRAFFIC area & competitive rates. New 2 BDRM, 1 ba, A/C, 1 car, mgmt ● Special 1/2 off 1st w/d hkup. No pets/smk. $795/mo+dep 970-532-5023 3 bdrm, 2902 Katie, $1050/ month´s rent. Eisenhower & Monroe. (970)545-2444 mo, pets neg, fncd yd, Call SCULPTOR´S PARADISE! 2 BDRM 1 ba, pets neg. rmpm.com 970-669-0842 This lovely home has it all! 1344 Arthur Ave. 1st & last 3 car gar on main level, Office Suite, 850 sq. ft., first mos rent & dep. $600/mo + 3 months free, $7 sq. ft. + another 3 car gar below it, $650 dep. Call, 307-421-0463 another gar 12´x36´...plenty NNN, 970-290-9040. 3 BDRM 2 bath, $1100 of room for lg sculptures! 2 Bdrm, 347 RAMSAY, + util, deck, fresh Easy access for loading, $995/mo, many upgrades! paint, new carpet, SW large rooms, beautiful Call rmpm.com 669-0842 Lvld, 1 block from mid cherry kitchen, huge sch, 3 blocks from master bdrm, extremely elem. 970-663-6787 or 1015 3RD ST- BERTHOUD OFFICES, RETAIL, large family room. 970-430-0859 3 bdrm, 1 car gar, fncd yd. INDUSTRIAL. UTIL´S Call John (970)669-9142 $795/water pd. 720-296-1337 INCLUDED. 970-744-8763

Eagles Extra Online

Retail Space 4135

reporterherald.com

Set terms for short sale offer ILYCE GLINK TRIBUNE MEDIA SERVICES

Q

uestion: I’m trying to refinance my loan with a big box lender. I have a 7/1 adjustable rate mortgage that just adjusted to 3.12 percent, which I love. Unfortunately, I think I’ll only have this rate for one year. My spouse has insisted that we refinance to a 20-year fixed-rate mortgage. It is taking forever, but we’ve been approved with just her income (I’m not earning an income now that I’m going back to school to get my MBA). The problem is that we started the process over three months ago and the interest rates are considerably lower than when we started. Do we tell the lender to restart the process and lower our interest rate to the rates available today? Do we tell them to restart the process and lower our rate, or simply say we don’t want the 5 percent loan they’re offering and start shopping around? Thanks. Answer: You certainly can start the conversation with your lender about the interest rate on your loan and see what options are available to you. If you signed a document that commits you to this loan or to pay a fee if you don’t close on the loan, you might have to stick with the loan you applied for. However, if you aren’t legally committed to this lender and you don’t want to move forward with them, I’d start the process all over again and see if you can qualify on her income for a 15-year fixed-rate mortgage at about 4 percent (some lenders are quoting 15-year mortgages at 3.875 percent as we went to press, a record low). Just remember, if you start over, you might have to wait the same amount of time to provide them with the same or even more paperwork to get the loan done. Call the lender and ask what it would take for you to start the ball rolling on a different loan product. Find out if they will charge you more in fees (if you have to do another appraisal on your property, for example, or pull additional credit reports and scores). If they will charge you all over again, then you should take the opportunity to shop around with other lenders to make sure you’re getting the best deal possible. And if you are in doubt as to what your obligations are to your current lender, talk to a real estate attorney and have her review all of your loan application documents. I really like the idea of a 4 percent 15-year loan for you, or something close to that. You would save a huge amount in interest over the term of the loan, since a 15-year loan is tied to a lower interest rate than a 20-year loan, which is tied to the 30-year rate. Go for it. As hard as it is to give up a 3 percent mortgage, that interest rate won’t be around for much longer. It’s possible that a year from now you would get another year of low interest on your current loan, but a couple of years down the line it’s likely the rate will increase. So unless you plan to sell and move in the next three years, I’d try to lock in at these once-in-a-century low rates.

For more information, call Glink’s radio show at 800-972-8255 on Sundays from 9 to 10 a.m., write to Real Estate Matters Syndicate, P.O. Box 366, Glencoe, IL 60022 or visit www.thinkglink.com.

Real Estate Matters


Real Estate Guide