Cwoh oct2014

Northern Colorado’s largest Open House event

THIS WEEKEND! Oct. 31 - Nov. 2, 2014

Community Wide Open House The guide to finding your dream home

- Come on in F O RT C O LLIN S • LOVEL AND • W I ND S OR • T I M NAT H • W E L L I N G TO N

2, COMMUNITY-WIDE OPEN HOUSE

OCTOBER 2014

Open Houses This Weekend 42

41

SAT & SUN 11-1

www.thegroupinc.com Harmony Office 970.229.0700

3245 Sagewater Ct. FTC-The Lexington by KEM homes. This 4 bed, 4 bath, den and activity room is a must see! Home features custom tile work, custom kitchen island, garden level basement, redwood oak deck, fireplace in master suite and living room, coffered ceilings. 3-car garage.

$750,000

MLS#660867

MLS#746722

Call Emily Sockler (970) 581-5575 Call Barbara Schneider (970) 566-4902

Call Jaio Osborne (970) 999-4398

Call Mary Doty (970) 396-3454

Call Lisa Hite (970) 310-3133

MLS#749376

SATURDAY 2-4

8455 Sand Dollar - Enjoy the view of mountain peaks to the west from covered back porch. Open floorplan for entertaining. Gourmet kit w/SS appliances, slab granite, alder cabinets, hardwood flooring, enormous walk-in pantry & a separate breakfast nook. Master w/2 walk in closets & a steam shower.

Centerra Office 970.613.0700 Loveland Office 970.663.0700

SATURDAY 11-1

2730 Worthington Avenue, FTC. Beautifully updated, wonderfully maintained 4BD/3BA home in desirable Woodwest. Notty alder doors, all light fixtures updated, all new hardware with antique bronze on doors. Newer interior paint. Finished basement! Add’t 240 sf sun room!

MLS#749625

MLS#749325

Call Mark Miles 227-8887

Call Janelle Thomas (970) 290-8066

Call Jaio Osborne (970) 999-4398

Call Lisa Hite (970) 310-3133

50

SAT & SUN 1-3

3302 Long Creek FTC. Stunning 5BD/3BA ranch plan complete w/ new cherry HW floors, new carpet, new interior paint & custom finishesshows like a model home! Bright open plan w/ gourmet eat-in kitchen w/island, office/5th bdrm, spacious dining room & family room.

$500,000

$540,000

MLS#742263

54

51

OPEN DAILY 12-5

692 Deer Meadow, Loveland. Brand New Model Home in The Masters at Mariana Butte! Nestled in the foothills & overlooking holes 2-6 of the Golf Course. Standard features include saving $ on your utility bills, granite, hardwood, covered patios, & more! www.TheMastersAtMB.com

SAT & SUN 1-4

1018 Waterfall Street, Timnath. 3 bedrooms, 3 baths, main floor master, main floor study loft, highly upgraded including slab granite, wood flooring, stainless steel appliances, 3 car garage, 8 foot interior doors, and much more.

6703 Snowdon Drive, Fort Collins.

Brand new ranch style homes by Insignia Homes. Smartly designed features with main floor living in mind. Come visit this terrific new neighborhood with 28 lots, community garden & greenbelt. Four ranch style plans available.

From the High $400’s

$439,900

MLS#745102

Call Carole Newberry 443-4047 Call Kim LaPlante 690-6524 Call Audrey Clary (970) 846-1563 Call Blas Estrada 324-6177

SATURDAY 1-3PM

304 Del Clair- 3 BD, 1 BA, 968 SF by new mall, MAX/bus lines, College ave. Why buy a condo when you can have this cute 3 bedroom home on a good sized fenced lot. Heated oversized one car garage, newer roof, A/C, storage shed in back, has both a deck and a covered patio.

$215,000

Call Lisa O’Brien-Suchy 566-0995

Call Billy MIles (970) 631-4441

DAILY 1-5

6424 Murano Drive, Windsor - Stop & visit our MODEL HOME, open daily 1-5 pm. This Castello ranch plan has 2 beds, study, 2.5 baths, 3-car garage, covered deck & patio, entry courtyard backs to golf course. Get information on our 7 High Performance Homes starting in the low $400s.

53

SAT 1-3 & SUN 11-1

5615 Falling Water -Beautiful 4bd/4ba 2 story home in desirable Fossil Lake.

Study with adjoining 3/4 bath, open floorplan, vaulted ceilings & formal living room. Wonderful kitchen with hardwood floors & stainless appliances. Unfinished basement.

$549,500

MLS#746482

Call Kelly McBartlett 541-0571 Call Jacque Beckman 218-0090

57

56

55

$328,000

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$395,000-$600,000’s MLS#735265

Call Jacque Beckman (970) 215-9658 Call Lee Cord (970) 215-9658 Call Jaio Osborne (970) 999-4398 Call Joy Willett (970) 305-7038

MLS#727773

SUNDAY 11-1

2613 Kit Place, FTC. Wonderful ranch style 4BD/3BA home! New carpet and tile floors! Main floor study and laundry!

Oversized & heated 3-car garage! Fully finished bsmt w/ family room, wet bar, full bath, and fourth bedroom! Secluded patio backyard that abuts private common area!

48

$400,000

MLS#000000

3652 Galileo Drive, FTC. Stunning 4BD/4BA home on Discovery Park in Observatory Village! Only 10 months old. Hardwood floors throughout main level. Gourmet kitchen includes oversized island, quartz countertops, Timberlake cabinets. Main floor study. Plantation shutters.

MLS#749732

SAT & SUN 11-1

6104 Constellation Drive - Ranch 3 bd, 2 ba. 2,464 sq. ft. including a full unfinished basement. 2 car garage.

Lot lot 10,000+ sq. ft. New carpet, new interior paint, new roof.

47

$245,000

49

SAT & SUN 12-4

46

$410,000

669,000

MLS#735326

SAT & SUN 1-3

SATURDAY 1:30-3:00

3501 Plumstone Pl, FTC-Dramatic 2-story living room with floor-toceiling fireplace in this 4 BD, 4 BA home in Stone Ridge. New carpet on main level, refinished wood floors & white kitchen w/island & pantry. New exterior paint, new roof & backs to greenbelt. Neighborhood pool!

$680,000

45

Mulberry Office 970.221.0700

DAILY 1-5

6424 Murano Drive, Windsor - Stop & visit our MODEL HOME, open daily 1-5 pm. This Castello ranch plan has 2 beds, study, 2.5 baths, 3-car garage, covered deck & patio, entry courtyard backs to golf course. Get information on our 7 High Performance Homes starting in the low $400s.

44

$595,000

MLS#745745

Horsetooth Office 970.223.0700

SATURDAY 12-2

1137 Coral Burst Dr., Loveland.

Beautiful 2-Story home with 5 beds, 5baths, 3 car garage, 5,162 SF. Finished walkout basement, hardwood floors, curved staircases, large master w/ double sided fireplace, balcony & luxury 5-pc bath, 2 furnaces, A/Cs & water heaters. Mountain views!

56

SUNDAY 12-2

3657 Watts St., Timnath - Fantastic mountain views from this 3bd/3ba ranch with detached, heated 15’X50’ motor home garage. Immaculate home with alder cabinets, granite counters and ss appliances. Finished basement with family room, full bath & lots of storage.

58

SAT 12-2

4926 Pyrenees Dr., Fort Collins Fantastic home on large corner lot in Le Jardin. High end finishes include knotty alder trim, doors and cabinets.

Main floor includes gourmet kitchen, 3 bedrooms, study, dining room.

Basement has finished family room with bar, bedroom & 3/4 bath.

$750,000

$499,000

MLS#747848

MLS#746334

Call Dennis Pfeifer (970) 227-6646

Call Greg Bever 215-1722

Call Greg Bever 215-1722

MLS#660867

$690,000

COMMUNITY-WIDE OPEN HOUSE, 3

OCTOBER 2014

Open Houses This Weekend 59

SATURDAY 1:00-3:00

www.thegroupinc.com Harmony Office 970.229.0700

1490 Pennsylvania Ave., Loveland - Gorgeous 2 story in Kendall Brook.

3bds + open loft, 3 ba & copious amount of luxury items. 5 pc bath w/ huge walk-in closet, soaring vaulted ceilings in living & formal dining area.

Cozy frplc, mature landscaping, privacy fenced, unfinished bsmt.

$309,000

Centerra Office 970.613.0700 Loveland Office 970.663.0700

63

SAT & SUN 1:00-4:00

Streamside - Modern style homes with a comfortable feel. Ranches & 2 story single family homes starting in the 300’s. Open concept living & Old Town Charm! Sales trailer at Prospect & Ellis at the bottom of the hill. Prices are going up Aug 1. www. streamsidefortcollins.com

From the $300’s Call Paul Scnaitter (970) 222-8841

SATURDAY 1:00-4:00

5831 Southridge Greens Blvd, Fort Collins - Mountain Views from the spectacular deck along the 12th Fairway at Southridge Greens Golf Course. Beautiful open ranch plan on gorgeous 15,500 sf lot. Covered patio, hardwood floors, finished walkout basement with wet bar.

62

SUNDAY 12:00-2:00

8373 Cherry Blossom Dr., Windsor - Tremendous mountain views! Backs to open space, bonus rec room on upper level. 5 bedrooms, 5 bathrooms, HUGE kitchen with dynamic island plus main floor study and finished basement. Oversized master suite with retreat sitting area and more!

$565,000

MLS#749375

Call Faren Stroh (970) 222-6391

Horsetooth Office 970.223.0700 Mulberry Office 970.221.0700

1191 Centennial Drive, Loveland.

Updated 3BD/3BA home in a great community! Nicely fenced backyard, large deck, great for gardening & outdoor activities. Neighborhood is well established with easy access to amenities. Open floor plan allows for great entertaining & daily lfe.

$235,000

MLS#749395

61

60

MLS#747725

Call Judy Bogaard (970) 227-1000

Call Judy Bogaard (970) 227-1000

64

SAT & SUN 1:00-4:00

5226 Horizon Ridge Dr. Windsor - New Construction by Oak Valley Homes, 3 bedrooms, 3 baths including a jack-n-jill bath, spacious lot with no backyard neighbor!

Garden level unfinished basement, 3-car garage, hand troweled texture throughout. Ready to go!

$480,000

$649,000

MLS#745581

53

SAT 1-3 & SUN 11-1

5615 Falling Water Dr., Fort Collins - Beautiful 4bd/4ba 2 story home in desirable Fossil Lake. Study with adjoining 3/4 bath, open floorplan, vaulted ceilings & formal living room.

Wonderful kitchen with hardwood floors & stainless appliances.

Unfinished basement.

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

source Estate orado Real Northern Col

TIME

27, 2014 September

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Northern Colorado

$549,500

MLS#743060

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$000,000

MLS#746482

MLS#000000

Call Rachel Burhans 310-7664 Call Kelly McBartlett 541-0571 Call Paula Hawe 222-1020 Call Jacque Beckman 218-0090

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Brought to you

by

thegroupinc.com

4, COMMUNITY-WIDE OPEN HOUSE

OCTOBER 2014

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COMMUNITY-WIDE OPEN HOUSE, 5

OCTOBER 2014

COMMUNITY-WIDE OPEN HOUSE OPEN HOUSE: SAT NOVEMBER 1 FROM 1-3 PM 2408 ROCK CREEK DRIVE, FORT COLLINS 80528

-1pm 0amNov. 1 1 n y Ope turda Sa

37046 GOLD EAGLE COURT WINDSOR, CO.

40

Karen Meyer 8z Real Estate 970-218-4811

38

FC-0000403324

OPEN HOUSE - 11/1 AND 11/2 1-3PM

35

9

YOUR TEAM OF PROFESSIONALS www.C3RealEstateSolutions.com

Josh Dowling Broker/Owner REALTOR

106 E. Oak St., Fort Collins, CO 80524

Mobile: 970.420.6437 Office: 970.535.2000 )&

josh@joshdowling.com www.joshdowling.com

Cedar log home on 35 wooded acres with stunning views near Pinewood Reservoir! Main level features tile entry, hickory wood floors, eat-in kitchen, vaulted great room, 2 bedrooms and full bath. Master suite encompasses upper level with fireplace, master bath and walk-in closet. Walk-out basement offers a rec room and bathroom. New roof in 2014. http://1884saddlenotch.epropertysites.com/

Listed by Ben Gyrath • ben@gyrathrealtygroup.com 970.744.1329 (cell) • myfortcollinsrealestate.com

$439,000

720.963.7740

USE m N HO -2p OPEday, 11 r Satu

10

Cedar Log Home on 35 Wooded Acres with Views!

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$215,000 • MLS TBD

Hosted by: Amanda Hicks 970-581-0384 | email: ahicks@c3-re.com

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1884 SADDLE NOTCH RD, LOVELAND, CO 80537

1931 WINDSONG DRIVE, JOHNSTOWN

Brand new to market as of 11/1/2014! Beautiful 2 bed, 2 bath patio home with full unfinished basement. Open floor plan with plenty of natural light opens to a low maintenance and landscaped back yard with trek deck, artificial turf and great views.

4 bed, 2.5 bath, 4 car, 2 story, $299,975 34 D R Horton

John Heddens 970-222-2235

USE pm N HO2, 12-3 E P O ber em Nov

2005 TALON PARKWAY, OWL RIDGE - GREELEY

2000 E. SEADRIFT DR., WINDSOR Upgrades Galore! Lots of Green High Energy Efficient Features & save up to 1/3 on utility bills!

Ranch style home boasts open floor plan with 4 bedrooms, 3 bathrooms, main floor laundry & oversized garage. Previous Aspen Model Home, then recently professionally finished basement with large family room with built ins and wine fridge in basement. MLS# 747546 $450,000 Brian Bobier 970-301-8597 970-225-1190

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$385,000

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Fabulous Stetson Creek 2 story with 4 upper bedrooms plus main floor office. The large yard with fruit trees and gardens backs to a lovely greenbelt at the end of quiet cul de sac. Open and vaulted main floor spaces create both formal and casual gathering areas. Add a finished rec room in basement and 3 car garage for the perfect move-in ready home!

Call Karen Meyer @ 970-218-4811.

Custom home on 3.2 Acres in Soaring Eagle Estates with attached 8 car heated garage. Majestic views of Longs Peak, in the 4 Bdrm 2.5 bath. Walnut hardwood floors, granite counters, Maple and Walnut throughout. Master suite jetted tub and 2 walk in closets, balconies facing both East for morning sun, and West for mountain views Paying 3% to buyers agent. MLS#73674 $639,900

13

Open House 11am to 4pm on Saturday, November 1st 5101 S Shields St, Fort Collins, 80526

Incredible 2 acre property overlooking Cathy Fromme with foothill views. Brand NEW ROOF! Completely redesigned 3bed/3bath ranch sitting on 2.08 acres. Features 2013 finished sq ft with 2 large living areas, updated kitchen & baths with SS appliances, HE W/H & furnace, 2 fireplaces.

Custom landscaping with over 200 trees & plants added. Sprinkler system front/back. Relax on huge stamped concrete patio while listening to the creek run through your back yard. 3 car heated garage with paved boat & R/V parking plus 12x16 custom shed. Experience the country feel right here in town! Offered at $469,000.

6, COMMUNITY-WIDE OPEN HOUSE

OCTOBER 2014

COMMUNITY-WIDE OPEN HOUSE 31

5806 CALGARY STREET, SUMMERFIELDS - TIMNATH

3 bed plus study, 2.5 bath, 2 car, ranch, $415,000

32

6420 CLOUDBURST AVENUE, SUMMERFIELDS – TIMNATH

4 bed, 2.5 bath, 3 car, 2 story, $389,000

D R Horton FC-0000403274

FC-0000403276

1962 BLUE YONDER WAY, BUCKING HORSE – FORT COLLINS

3 bed, 2.5 bath, 2 car, 2 story. $439,550

5510 EVANGELINE DRIVE, HIGHLAND RIDGE - WINDSOR

3 Bedrooms, 2.5 Baths, 3 Car Garage, Walden-C $485,000 FC-0000403272

7030 ALADAR DRIVE, HIGHLAND RIDGE - WINDSOR

4 bed, 3.5 bath, 3 car garage, 2 story - $438,000

1980 BLUE YONDER WAY

4 Bedroom, 3 Bath, 2 car garage, $446,791 D R Horton

970.460.0759

FC-0000403262

970-243-8881

27

28

1974 E. SEADRIFT DRIVE, WATER VALLEY - WINDSOR

5 bed, 4 bath, 3 car, 2 story - $585,152

D R Horton 970.460.0759

25

D R Horton

970-243-8881

29

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D R Horton FC-0000403264

3 bed, 2.5 bath, 3 car garage, 2 story - $291,231 720.963.7740

970.493.1318

26

2013 TALON PARKWAY, OWL RIDGE - GREELEY

D R Horton

D R Horton

970.493.1318

33

2083 BAYFRONT DRIVE, WATER VALLEY – WINDSOR

4 bed, 3.5 bath, 3 car, 2 story - $475,000

D R Horton )&

970.460.9125

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970.460.9125

COMMUNITY-WIDE OPEN HOUSE, 7

OCTOBER 2014

DOES YOUR HOME HAVE TOO MUCH PERSONALITY? YOU LOVE THE BRIGHT WALLS AND FURNITURE, BUT ONCE YOUR HOME IS ON THE MARKET YOU NEED TO MAKE IT AS NEUTRAL AS POSSIBLE. BRENDON DESIMONE

M

any sellers love their homes.

They’ve made some of their most important memories there, and their home is literally where their heart is.

When these homeowners took on improvements, from painting rooms to kitchen and bath renovations, they likely did it with the idea of adding “personality.” And then, when it’s time to sell, those same homeowners sit across the dining room table from their real estate agent and wonder why, after three months, their home hasn’t sold.

What went wrong?

Usually, it’s because the home has too much personality. The problem with personality is that buyers see you, and not themselves, in the home you’re hoping to sell. If you’re serious about selling your home and you want to achieve the highest value, you need to make the home as neutral as possible. Here’s how.

Remove family photos, heirlooms, diplomas and personal items Buyers don’t want to feel like they’re walking through someone else’s house. They want to feel that they’re walking through a home that could potentially be theirs.

The more neutral the home, the easier it will be for them to imagine themselves there. As proud as you may be of your college degree or of little Susie’s first footprints, they don’t need to be on display when your home is for sale. The process of putting these items away may bring up emotions, but that’s part of the process. Cost to do this: $0.

Repaint rooms with personality You may have taken some time to choose the deep red color for your dining room, the heavy oak paneling in the family room or Johnnie’s jungle wallpaper. While these were personal choices for

Each office independently owned & operated | 970-482-1781

OPEN HOUSE SUNDAY, 2ND 2-4

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6

# 0 5

you and may have served Show the rooms as they your time there well, they should be used may be off-putting to a The room off the kitchpotential buyer for any en is unmistakably the dinnumber of reasons. Be- ing room. But if you use it fore you sell, paint these as a home rooms a neutral color and See PERSONALITY page 10 take down the heavy

Ō paneling. #6 0 5 ' These are 12 not big or expensive projects, but the re- 1226 Bennett Road, Fort Collins $589,900 | MLS #745536 turn can be Craftsman architecture & modern convenience in this huge. Cost 4 bed, 4 bath home blocks from CSU & Old Town. to do this: Staniless steel gas range, beamed ceilings, oak floors, less than built-in bookcases & cabinets, finished basement. $1,000 depending on Call Joey Fisher the size and 970-690-2084 joeyklinefisher85@gmail.com number of rooms.

OPEN HOUSE SATURDAY, 1ST 11-1 AND SUNDAY 2ND 11:30-1:30

3658 Harbor Way, Fort Collins $675,000 | MLS #749556

Must SEE 4 bed, 5 bath with upgrades throughout.

Main floor master with fireplace and 2 walk-in closets.

Warm and inviting living room has 2 story windows.

Huge rec room. Central vacuum, oversized heated garage with elevator. Just minutes to OLD TOWN. HOA includes shore and beach rights.

Call Rick Berry 970-227-0071 rberry@remax.net

1

970-402-6430

fortcollinsrealestatebyangie.com

WWW.FACEBOOK.COM/RealEstateAngieSpangler Each office independently owned & operated | 970-482-1781

FC-0000403171

234 N GRANT AVE #3

805 COLORADO STREET

6 blocks to Old Town & minutes to Martinez Park & Poudre Trail! Affordable 3 bedroom, 1.5 bath, 2nd floor condo. New interior paint, carpet, window treatments & more!

Spacious living rm presents wood burning fireplace & is adjacent to dining area & open kitchen. All appliances included!

MLS# 741443 $170,000

1950’s ranch plan features 3 bdrms, 2 baths and 1456 finished s.f. Retro kitchen cabinets, hardwood flooring, open floor plan and spacious 7071 s.f. lot with alley access.

1 car garage and walk to park, schools and minutes to the desirable downtown area!

Call today to schedule a showing!

MLS# 748969 $362,000

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643 Cowan Street, Fort Collins

4228 Breakwater Court, Fort Collins

$549,900 | MLS #735935

$454,000 | MLS #745969

Call Laura Olive 970-495-6393 laura@lauraolive.com

Quality abounds in this 4 bedroom, 4 bath home, from solid woodwork to the antique slate fireplace. There’s a cozy living room, office, formal dining, & breakfast nook, plus a huge basement rec room. The back yard is very private with a new deck. All this & The Landings amenities!

Call Will Harper

Each office independently owned & operated | 970-482-1781

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New energy efficient home in Old Town. Almost 2800 sqft, 3 bed, 3 bath, 2 car garage, unfin bsmt. Hickory floors on main, kitchen island, Shaker style cabinets, quartz countertops, gas fireplace, covered front porch.

Ready November 2014.

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1018 Centre Avenue | Fort Collins, CO 80526 | 970.221.5995 | ftcollinshomes.com

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Angie Spangler, CRS, CNE

FC-0000403117

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970-222-2890 will@willpowerteam.com

Each office independently owned & operated | 970-226-3990

5301 N. County Road 9, Fort Collins $610,000 | MLS #744983

15 irrigated acres with panoramic mountain views.

Open floor plan, vaulted ceiling, 2 sided fireplace, and updated kitchen. Attached greenhouse, 2 pastures, loafing shed, and seasonal pond. Shares of N Poudre water available separately.

Call Laura Olive 970-495-6396 laura@lauraolive.com

Each office independently owned & operated | 970-226-3990

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MATCH THE MAP NUMBER TO THE AD FOR DETAILED OPEN HOUSE INFORMATION

Ave S pringfield

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COMMUNITY-WIDE OPEN HOUSE MAP

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COMMUNITY-WIDE OPEN HOUSE, 9

COMMUNITY-WIDE OPEN HOUSE

N County Line Rd

Dr

Lillie Reservoir

10, COMMUNITY-WIDE OPEN HOUSE PERSONALITY Continued from page 7

office, it throws a buyer off. Likewise, if you’ve used a small bedroom as your child’s toy room/your closet spillover, the same thing will happen. In the visual age of the Internet, Instagram and Facebook, people need to visualize what each room is. Some people simply don’t have the imagination.

No matter how obvious it is that the dining room is the dining room or the third room upstairs is the third bedroom, the buyer needs to see it used that way, not the way you use it. Cost to do this: $0.

Detach yourself emo-

OCTOBER 2014

tionally Ultimately, when you go to sell, it’s time to stop thinking of your property

tionally detach from the home you love. If you’re not ready to do that, you may not be ready to sell

as your home. Instead, think of it as an investment, and you need to get the best return on your investment possible.

To do this, you must turn your home into a product on the market.

This means you must emo-

yet. You may not want to take out the personality you added, and that you love. That’s OK, but be aware it will probably result in a smaller pool of interested buyers and a lower sales price. And the more neutral you can

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make the home, the wider the base of potential buyers you’ll have.

About the Author

Brendon DeSimone is the author of “Next Generation Real Estate: New Rules for Smarter Home Buying & Faster Selling,” the go-to insider’s guide for navigating and better understanding the com-

plex and ever-evolving world of buying and selling a home.

DeSimone is the founder and principal of DeSimone & Co, an independent NYC real estate brokerage providing individualized services and a fresh, hands-on approach. Bringing more than a decade of residential real estate experience, DeSimone is a recognized national real estate expert and has appeared on top media outlets including CNBC, Good Morning America, HGTV, FOX News, Bloomberg and FOX Business. Consumers often call on Brendon for advice and to help them find a real estate agent. You can follow him on Twitter or Google Plus.

Check this week’s Real Estate Weekly for moree open houses and listings.

Where news stories come to life Log onto Coloradoan.com, click the video link and explore local video stories.

Rob Werge

2875 BLUE LEAF DRIVE

$369,000

For appointments outside of open house, call or text 970 218 8495 or robwerge@gmail.com

LOG ON TODAY.

COMMUNITY-WIDE OPEN HOUSE, 11

OCTOBER 2014

TRENDS: HOW TO GET EVERYONE UNDER YOUR ROOF

3 WAYS TO PREPARE YOUR HOME FOR A BOOMERANG CHILD OR AGING PARENT Dreaming of the day your kids finally move out and you can downsize to a smaller, lowmaintenance home?

Considering how expensive renting/owning is likely to be for your moved-out children and how costly dependent care facilities can be for aging relatives, that fantasy may need to be put on hold Indeed, chances are that, before long, you may end up hosting a multi-generational household consisting of you, your adult offspring, and one or more of your elder

parents or in-laws.

But don’t panic or start searching for a bigger house just yet: There are three steps you can take now to future-proof your current abode: 1. Evaluate your current layout and determine if you have any available flex space to host a longterm housemate – perhaps in the spare bedroom, first-floor office or basement – without having to undergo an expensive remodel.

2. Consider remodeling within your existing

footprint if you lack flex space.

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“When multiple generations live together, it’s extremely beneficial to have your own space in order to coexist peacefully,” says Linda Lenore, a green building professional and universal design specialist with Green Chi Designs in San Francisco. “If possible, create a separate master bedroom with a private bath, and have two different living rooms and/or kitchens.”

3. Explore an addition, build-out or detached space.

This choice allows you to keep your existing interior space intact without reshuffling rooms and provides ideal privacy and spatial independence for your new housemate.

Three popular accessory dwelling unit options

include an attached in-law studio, backyard cottage, and detached granny flat, says Kevin Casey, CEO/founder of New Avenue Homes in Emeryville, California.

Before going the remodeling route, formulate a realistic budget and determine how best to finance your renovation project, adds Monica D. Higgins, founder of Remodel Einstein in Los Angeles.

“In addition, compare the cost and value of remodeling with the cost of purchasing a new home,” Higgins says. “You may find that improving your current home could make it more valuable as well as be more convenient than selling.”

—Erik J. Martin © CTW Features

12, COMMUNITY-WIDE OPEN HOUSE

OCTOBER 2014

Ask Our Broker

Why the Credit Caution?

By Peter G. Miller Question: We are in the process of buying a home and our lender has issued a strange and ominous warning: Do not use a credit card, do not open a new account, and do not make any big purchases. What gives?

Answer: What your lender is looking for might be described as a “quiet period,” a few weeks of financial hermit-like living when credit use is held to a minimum between the time the purchase agreement was signed and closing actually takes place. The lender very much wants to protect your interests, and here’s why:

It used to be that when you applied for a mortgage the lender ran one credit check in an effort to find all of your monthly debts. This allowed the lender to figure out your required monthly payments for auto loans, student, credit card payments, etc. Once your credit was run the lender could determine your monthly payments and whether you had too much debt to qualify.

Swing ahead to the new underwriting era – today – and the lending process is very different. Your lender is going to check your credit and figure your monthly payments just like in the old days. Then your lender is going to check again, maybe daily, and the lender will do this until closing.

15 16 17 18 19 20

The reason for the repeated credit checks is that the lender wants to get the loan right, and that means having a mortgage that meets certain standards. If the loan is wrong it’s possible that the lender will have to buy back the mortgage from an investor, not a cheap or happy prospect.

What the lender fears are undisclosed debts. Imagine that during the quiet period you go out and buy a new big-screen TV. The appliance store offers you 10 percent off if you will sign up for their new credit card. Sounds great, and in 60 seconds you have a new TV and a new credit card.

You may not see it as a big deal, but the new debt

increases your required monthly payments. For marginal borrowers this means you may increase your costs to point where they pass a given limit, say a 43-percent debt-to-income ratio. As a result your loan might be lost – and with it the home and maybe your deposit.

Is this a real problem? You bet.

“Almost one-fifth of all mortgage borrowers, including those with solid credit scores and debt-to-income ratios apply for at least one new trade line during this period,” said Equifax in a 2013 study.

“Many borrowers simply don’t realize how this new ‘undisclosed debt’ impacts their ability to qualify for their mortgage.”

A mortgage application was once a static event, you handed in your paperwork, and that was about it. No more. With multiple credit reviews you can count on lenders to check and re-check paperwork right up until closing. In fact, in one case a lender called while my wife and I were riding home from a closing. The lender’s question? Was my wife still employed! Happily, the answer was yes. © CTW Features Email peter@ctwfeatures. com. Due to volume, not all questions may be answered.

OCTOBER 2014

COMMUNITY-WIDE OPEN HOUSE, 13

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14, COMMUNITY-WIDE OPEN HOUSE

OCTOBER 2014

ONE HOUSE, MULTIPLE GENERATIONS How to shop for a home that can accommodate extra family housemates

By Erik J. Martin CTW Features

I

n a tight economy, many American homes today are proving to be a haven where the extended family – from Grandma to the new college graduate – flocks together for comfort, convenience, and, increasingly, financial practicality.

As proof, consider that 14 percent of all home purchases made between July 2012 and June 2013 were by a multi-generational household, comprised of adult children, adult siblings, parents and/or grandparents, according to a recently released study by the National Association of Realtors. The main motivations for a multi-generational home purchase were adult children moving back home, and to save money (each cited by 24 percent of survey respondents); other reasons included caretaking or health of aging parents (20 percent) and spending more time with aging parents (11 percent).

“In past years, most individuals and families lived in their own residences. Today, more people in all age segments are living together under one roof. It starts with younger unmarried adults but is now growing to include married couples and families, and in coming years it will include extended families,” says Dennis Torres, director of real estate op-

erations at the Graziadio School of Business and Management at Pepperdine University in Malibu, California. “Also, the trend is not exclusive to low-income segments of the population.”

The good news for homeowners now hosting boomerang children or aging or care-dependent parents is that there’s strength, solace and savings in numbers: It’s cheaper to move an elder relative in with you than pay for an expensive assisted living facility; adult children can help with home maintenance; and the move-in can bring the family closer together.

The bad news is that it can be difficult to comfortably accommodate and plan for extra inhabitants, as they will likely have their own spatial preferences.

Such living arrangements may require shopping for a bigger or more flexible residence, or plans for these future needs may need to be included during a current hunt for a new home.

“You need to look for qualities in your next home that will support multigenerational living,” says Linda Lenore, a green building professional and universal design specialist with

Green Chi Designs in San Francisco. She recommends considering several key amenities, including: • A stairless first-floor setup – with bedroom, adjacent bath, and kitchen nearby on the same level – to make it easier particularly for disabled/ elder residents.

• A bedroom with an adjacent private bathroom, far away enough from the master suite/ master bath, for adult children.

• Universal design elements, including wider hallways, door openings and baths for wheelchairs and walkers.

Annmarie Pluhar, author of “Sharing Housing: A Guidebook for Finding and Keeping Good Housemates”

(Homemate Publishing, 2011), says, at very least, long-term houseguests desire a bedroom, sitting room and bathroom of their own.

“Kitchens need to be big enough – sometimes having two refrigerators makes life easier,” Pluhar says. “Having a way for grandparents to retire away from children noise also is great. And independent adults like to be able to come and go easily and quietly.”

Having a living space that’s connected to the main home but also has a separate entry point can go a long way toward helping multi-generational households maintain peace and prevent conflicts, says John Egnatis, co-founder/CEO of Grenadier Homes in Dal-

las, who adds that buyers need to forecast future remodeling needs carefully.

“Sometimes you cannot add space (via renovation) due to zoning issues, which is why you may want to buy a home that already includes a built-in, multi-purpose flex space with a separate entrance and exit,” Egnatis says. “These flex spaces can also be used as an in-home office, so the space is still usable if your family circumstances change.”

Lastly, try to opt for a home near quality health care facilities, parks and trails, and evaluate if the property has room for multiple vehicles. © CTW Features

COMMUNITY-WIDE OPEN HOUSE, 15

OCTOBER 2014

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16, COMMUNITY-WIDE OPEN HOUSE

OCTOBER 2014

Call for your private showing today!

65

66

3411 harbor way, fort Collins Lakefront ranch-style home located on Terry Lake with impressive mountain views! Exquisite attention to detail throughout this home with many European finishes Including Spanish tiles, pantry doors from a French winery, reclaimed antique hardwood and much more!

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1708 Cottonwood point drive, fort Collins Stunning ranch-style located on the exclusive Fort Collins Country Club golf course and Long’s Pond. Walk to indoor tennis, work-out facilities, fishing, sailing, swimming, and golf. An unmatched style of living.

Offered at $885,000

68

69

39231 rangeview drive, severanCe Custom home located on 6 acres with gorgeous, panoramic mountain views! Beautiful details throughout including main floor master suite, and a fully finished walk-out lower-level with wet bar! Featuring extensive landscaping and water feature.

Offered at $745,000

8015 n louden Crossing Court, fort Collins Charming family home on lushly landscaped half acre on a cul-de-sac offering a very private, comfortable setting!

This home offers sophisticated living with an open floor plan, large main-level office, minutes from shopping and I-25.

Offered at $515,000

67

39657 hilltop CirCle, severanCe Magnificent estate located on 3.5 acres with unmatched mountain views! This home contains luxuries throughout and is priced below replacement cost.

Offered at $1,295,000

Coming soon!

harmony Club Custom homes in a very prestigious golf community, featuring a state-of-the-art club house, salt water swimming pool, wellness center, walking trails, all in a relaxing setting.

Prices beginning in the mid $600Ks

With 30 years of experience in Northern Colorado, Shirley is in the top 1% of Real Estate agents in the United States.

It is not high production levels that set Shirley apart from other Realtors.

Simply put, Shirley has earned her reputation by exceeding her clients’ expectations through unmatched service.

“I love interacting with my clients and making their transition into a new home as easy, exciting and enjoyable as possible. I work with everyone from first time home buyers through to the luxury home sales. I gain an incredible sense of personal and professional satisfaction when I help someone find their dream home.”

Shirley WatSon 970.481.8255

Shirley@ShirleyWatson.com