3,215 LISTINGS
fort collins • loveland • windsor wellington • timnath
SATURDAY, JANUARY 11, 2014
One Acre Lakefront Lots!
OPEN HOUSE Friday - Monday 1-4pm
Lakefront Lots, Single-Family and Patio Homes in Fort Collins Nestled along the eastern shores of Timnath Reservoir in a spectacular setting, WildWing embodies the spirit of Colorado.
2109 Katahdin Drive • Decorated Model • Homes from the $300s
Information Center Open 1-4pm Tues-Sunday
Recently Updated Kitchen
The Strater Plan is an up-to-date 2-story with 9 foot and vaulted ceilings; 4 bedrooms, 4 baths and laundry upstairs; main-floor study; 3-car garage, and a full, unfinished lower level. The big open kitchen/eating area open’s to the great room. Lots of light and volume in this welllaid-out home. Price includes hickory hardwood flooring in kitchen and nook, and complete front yard landscaping and financing incentives. Many floor plans to choose from! The Bucking Horse Community is a centrally located neighborhood within walking distance to the shops at Rigden Farms, a grocery store, churches and schools. Community amenities include small parks, a neighborhood swimming pool community clubhouse and a 6 acre city park. Community gardens, a working farm, and expansive trail system and a dog park create a wonderful neighborhood for active families. FC-0000386202
FC-0000384305
• Lakefront Living • Spectacular Mountain Views • Bring Your Own Custom Builder • Poudre School District • 1-Acre Lots • $80,000 - $280,000
Joey Porter 481-4814 Todd Fields 218-3535 Becky Vasos 217-9874 The Group Inc. 229-0700
FLAT FEE LISTINGS
Sell Your Home for Less than $500! FULL SERVICE LISTINGS FOR 1%!
OPEN HOUSE SATURDAY 12 to 2PM
400,000
$
Don’t pay 6% to Sell Your Home! It is Your Money! BUYER REBATES! 1% BACK to YOU!
5891 Highland Hills Circle · Fort Collins
Shirley Watson (970) 481-8255 mobile Shirley@ShirleyWatson.com www.ShirleyWatson.com
We Contribute 1% of Your Purchase Price Back to You at Closing!
Michael Nicholson: Broker/Owner
970-691-8429
mnicholson@homesavingsrealty.net
It’s Time for Real Estate to be About the Consumer!
Home Savings Realty www.HomeSavingsRealty.net
Directions: From College and Trilby, West to Avondale, South to Sedgwick. West on Sedgewick to Matheson, south to Keenesburg, west to Stonington, north to Property
Pam Collier 970-215-3439
FC-0000386346
SPECIALIZING IN CREATIVE REAL ESTATE SOLUTIONS.
www.JuszakRealty.com 970-214-6667
Visit our website to learn about our 1st time home buyer classes or how to purchase after a foreclosure!
0038 78 8 77 386 38 FC-0000386778 03867 038677
FC-0000386764
Beautiful appointments & updated kitchen will WOW your buyers. Manicured landscape, gorgeous ambiance & views! This outstanding custom home has been impeccably maintained & built with thoughtful attention to detail. Master retreat offers multi-sided fireplace & spacious 5-piece bathroom. Finished basement nicely appointed with wet bar, recreation space & more. Fabulous covered patio & inviting outdoor entertaining spaces! Must see to appreciate. Call today for your private showing. MLS #721496
7403 Stonington Court, Fort Collins
Views, views, views! Come by to see this spacious, bright two-story home with fantastic views of the Front Range. 4 bed/3 bath/3 car garage home on a quiet cul-de-sac in popular subdivision w/ neighborhood pool, park and elementary school right down the street!
2 SATURDAY, JANUARY 11, 2014 REAL ESTATE WEEKLY
An advertising supplement serving Northern Colorado | www.coloradoan.com/homes
NEW HOME DEVELOPMENTS Highland Meadows Golf Course Community
1:)!.,+' #",'($9 3(./ 5(0%9" 5(--0+:42 :+ 6:+'9(%* 58
You Pick the Home... We Have the View! Eight Beautiful Models to Choose From Home Prices Starting in the low $400’s *Only 3 Lots Left in Phase 3 - Reserve Yours Today* Call for an appointment Today!
ABBCO BUILDERS
(970) 226-HOME (4663) www.abbcobuilders.com
…the Difference is in the Detail…
5,.. 4!" 3"+" 7,0)!,+ &",-
5-)1+, "4*-+$ 4)0 64%-( !(*,& 6'-2,& &%4'%-)1 -) %/, .3##& -*$+ 0#*$. ," )%"".( &/"!'
76%+6 83,,2+( /*!5&&&50!&)
$142+ "6+6# /*!5&-'5!-/. $"6. ,062 3/42+2/42/'1! ,#/24 8 ,+2*"'24 7 -)95%%(5&--9
FC-0000385800
& 5+:. '6
"%' 7"4# & $1)2.66- 93
# 7+;2.6)+:. !0
# (8)).,. */.
&-* $(,"!2"("/2 )(!,1-'2+ ," %0(,. 12(#
:'? &>AJ+1J>J%1 #>+A' !'&1* AJ C4>AK 31>, "; C4A+'J 6'&&DJA+A1*) -1@14>K &',1K* >J, '#+A'J* +' %!''*1 F4'&/ 8>AJ K1@1K &>*+14*5 4>J%! #K>J5 '#1J B *#>%A'D*5 #14F1%+ F'4 1J+14+>AJAJH5 #KD* GEF''+ %1AKAJH* +!4'DH!'D+) 9DKK DJ=JA*!1, ">*1&1J+*) (KK +!A* >J, $D*+ < &AJD+1* F4'& .K, C'?J I &AK1 1>*+ 'F I2< 'J 7AJ1 04)
()#""""$'&!%!
+-"/7>3 ,(7?!3 : ,>(7)- +3?-( 3) 8/37? .-3* <2;'61='1251 (-"/7>3$)/7)&>#&%%9>7)7-('#&% 444'8/7)&>0&%%9>7)7-('#&%
www.MyDryCreekHome.com
Only 8 Lots Remaining!
$
As 4,000 YouTo Use Choose!
Homes near Old Town from the Low $200s Use your $4,000 towards options & upgrades, buy down your interest rate, pay closing costs-you choose! FC-0000386238
Model Open Weekdays 1-4 and Weekends 11-4
Savant Homes - Now building in Fairview Village Timnath, CO
Fairview Village Features:
Savant Home Features: * Energy Star rated homes * 2x6 construction standard * Slab granite, new hardwood floors standard * Interior design included with every home * Ability to customize floorplans
*Lots average 10K sq. ft. *Majestic mountain views *Ability to build outbuildings on RV garages *Easy access to Front Range Village, Centerra & I-25
10
Visit our model home at 3692 Dixon Street, Timnath Open Sat & Sun 1–4
www.savanthomesinc.com
Call DJ Johnson Each office independently owned & operated | 970-226-3990
(970) 213-0648 djjohnson@remax.net
www.coloradoan.com/homes | An advertising supplement serving Northern Colorado
REAL ESTATE WEEKLY SATURDAY, JANUARY 11, 2014 3
Open Houses This Weekend SATURDAY 11-1
www.thegroupinc.com
103 Poudre Bay, Windsor, Culde-sac, oversized lot, new roof and windows, sun room with hot tub, new appliances and all countertops have been refinished, full finished basement and oversized garage with heated storage.
Harmony Office 970.229.0700
SUNDAY 10-12
335 E. Elizabeth St., FTC-2Bed, 1Bath, 1346 SF. Charming bungalow with character of yesteryear – great for entertaining! Beautiful wood floors, doors and trim. Remodeled bathroom w/updated colors & fixtures. Mature landscaping with a front deck & back patio.
$255,000
$295,000
$235,000
Call Mark Moran (970) 218-1891
Call Danny Valles 213-4463 or Cary Irvin 290-7698
Call D.R. Phillips (303) 956-8134
Call Pamela Cass (970) 222-6025
MLS#721405
SAT & SUN 11-1
502 Wayne St., Ft. CollinsCompletely remodeled by Jamestown Builders! 3 BD, 3 BA all bring bungalow just blocks from City Park and Old Town Square with unique, hip styling. 2 fireplaces, 2-car attached garage and large 9,196 sf lot. Come take a look!
SATURDAY 1-3
1013 Shore Pine Court, FTC-4bd, 4ba, 2-Story, 3787 sf - Traditional floor plan w/ practical features. His & Her offices in lower level, along w/ rec room & bath. Lovely master suite & 2 large addt’l bdrms. Large sheltered & well landscaped lot w/ patio & extended deck.
$269,000
$190,000
$569,900
Call Jessi Pitmon 217-2185
Call Katie Shea (720) 231-8179
Call Gregg Thomas 988-8221
Call Sally Lee (970) 227-7742
W AT ER TH E O N
SATURDAY 11-1
SATURDAY 11-1
1000 Cuerto Ln. #B, FTCConveniently located close to foothills for hiking, biking & recreation and also close to CSU! Spacious 3 BD, 3 BA updated townhouse style condo with 2 car garage. Beautiful hardwoods, tile & upgraded carpet. Private, enclosed yard space.
$675,000
MLS#722917
1039 W. Mountain Ave., FTC3bd/3ba, ranch, 1902 sf. Nostalgic crafts-era bungalow on the outside, total remodel on the inside. New kitchen & baths w/custom cabinets, granite & tile finishes. Wood floors on the main, custom doors throughout! Must see Old Town home!
SATURDAY 10-12
821 Buckeye St., FTC-This 3 bedrm. 1-3/4 bath home has great curb appeal & a spacious 10,000 SF yard, an oversized main floor bathroom with soaking tub, built-in vacuum system, Miami marble fireplace, newer roof, newer furnace, & an oversized garage with a work bench.
SUNDAY 10-12
1129 Heatherwood Lane, FTCRare opportunity to own a Parkwood Meadows 1/2 duplex 2BD/2BA with 2-car attached garage; the heated sunroom and master bedroom are just a few feet from Parkwood Lake with sensational view across the water to the mountains!
MLS#725074
MLS#725304
MLS#717343
G BA R C EE K N ST BE O LT !
Loveland Office 970.663.0700
MLS#723471
PR SA IV C ATE LO C C UL AT IO DE N !
MLS#724910
Mulberry Office 970.221.0700 Centerra Office 970.613.0700
SATURDAY 12-2
473 Pelican Cove, Windsor-Wow! New carpet, tile, new paint inside & out, new hot water heater, roof, gutters, sink/faucet, microwave & more! Located in Water Valley close to lake & golf course, swimming pool, clubhouse & more! Finished basement with huge rec room & bathroom!
$425,000
MLS#724405
Horsetooth Office 970.223.0700
SAT 1-3 & SUN 12-2
329 Diamond Dr. FTC-5BD 3BA 2331 sf ranch. Newer paint & distinctive color decorations in kitchen & eating areas. Finished basement has kitchenette, 2BD, bath & 2nd family room w/wood stove. Big backyard w/ established trees, sprinkler system. RV/boat parking.
SATURDAY 10-12
1440 Hummel Lane, FTC-Fabulous 4BD/3BA, 3320SF ranch with a brand new finished basement! New furnace, A/C, range, dishwasher, microwave, whole house water filter, exterior paint/interior paint, carpet, backyard fence & roof!
SAT & SUN 1-3
1817 Nedrah Dr. FTC-Custom built 3BD 3BA, 5,187 sf ranch w/ full unfinished basement. Totally updated including all baths & recent kitchen remodel. Open & inviting floorplan. 1/3 acre lot with covered patio great for entertaining.
SATURDAY 11-1
1933 W County Road 66, FTC-46 irrigated & fenced acres! This 3 BD, 3 BA rambling ranch has been updated & in excellent condition. 4,800 sq. ft. shop/office/garage & the 6-stall barn w/ hay storage is 2,256 sq. ft. Great for in-home business or car enthusiast. Mountain views!
$420,000
$306,000
$375,000
$515,000
$824,000
Call Shelly Hill 310-3457
Call Kim Doll (970) 377-6023
Call Kim Doll (970) 377-6023
Call Jen Gamez 818-1265 or Jill Angelovic 619-0051
Call Joe Ryk 310-9790
MLS#725010
SATURDAY 1-4
2013 Topanga Ct. FTC-Taste & sophistication abound in this 5BD 4BA 4271 sf 2 story in Willow Springs. Vaulted ceilings, art niches, bay windows, main floor bed & more. Wood floors, white woodwork, builtins galore. Covered patio, 3 car tandem garage.
MLS#725306
SUNDAY 12-2
2102 Sweetwater Creek Dr. FTCBeautiful 4BD 4BA 2398 sf 4 level backs & sides to greenbelt. Newer roof, exterior paint & interior paint using designer colors. New highend carpet. Professionally finished basement w/great storage area. 3 car garage. Gently lived in home!
MLS#722421
SATURDAY 12-2
2420 Strawfork Drive, FTC-Sidehill home on one of the largest lots. 9,739 sq ft. Main flr master, private office, soaring ceilings, formal dining, kitchen w/granite & tumbled tile backsplash, stamped concrete patio w/pergola, mud rm/laundry, storage shed, huge unfinished bsmt.
MLS#722193
SATURDAY 2-4
2625 Antelope Rd., Ft. CollinsCharming 4 BD, 4 BA 2-story in English Ranch w/oversized 2-car garage & fin. basement. Granite counters, SS appl, new furnace & water heater in 2013 & new roof in 2012. Great mstr. bedroom w/5 pc. bath and gas frplc. in family room.
MLS#724665
SATURDAY 1-3
3424 Sun Disk Ct. FTC-3BD, 2BA 1700 SF ranch near Rocky Mountain HS. Totally updated creampuff with new wood laminate floors, new bathrooms, new basement finish, new paint, new stainless appliances (to be installed) and more! Mountain views & huge back yard!
$479,000
$297,500
$369,500
$329,900
$249,900
Call Kranny Spaeth 461-7158
Call Christie Wilbur 219-1138
Call Chris McElroy (970) 227-5102
Call Jessi Pitmon 217-2185
Call Judy Nelson 227-7887
MLS#721891
MLS#722367
MLS#724606
MLS#723203
MLS#725106
4 SATURDAY, JANUARY 11, 2014 REAL ESTATE WEEKLY
An advertising supplement serving Northern Colorado | www.coloradoan.com/homes
Open Houses This Weekend SUNDAY 11-1
$235,000
$340,000
$396,255
$495,000
Call John Cheever (970) 420-5093
Call Kim Doll 377-6023 or Amber Kahler 310-4170
Call Patti Watkins (970) 776-0117 or Alycia Martinez (303) 994-6307
Call Pam Cass 222-6025
MLS#724035
N EW
Mulberry Office 970.221.0700 SATURDAY 1:30-3:30
Centerra Office 970.613.0700 Loveland Office 970.663.0700
MLS#712476
LI ST IN G !
Horsetooth Office 970.223.0700
SUNDAY 12-2
5345 Moonlight Bay Dr, Windsor-6 BR, 4 BA, 3 car in Highland Meadows! Remodeled kitchen w/ granite, stainless steel appl; newer high end laminate wood flooring, luxury 5-pc master bath, finished bsmt w/wet bar, separate office, deck & hot tub in back with gazebo!
5285 Blackhawk Dr. WindsorGorgeous home on over 2 acres in popular Steeplechase. Located on one of the few equestrians lots allowing you to have your horses in your own backyard! Very open floor plan, 3 beds & 4 baths. Plenty of room to build a shop/barn.
MLS#713185
MLS#723031
LI ST IN G !
Harmony Office 970.229.0700
SAT & SUN 12-4
5210 Apricot Ct, Loveland-Beautiful new ranch in Alford Meadows! Welldesigned plan w/finished basement offers 4bd/3ba, gourmet kitch w/ stainless appliances, luxurious master suite, great rm w/ gas fireplace, and formal dining. Elegant finishes throughout including slab granite.
N EW
www.thegroupinc.com
SAT 1-3 & SUN 11-1
4332 Dixon St, Timnath-What a beautiful home tucked away on .76 acres! Incredible views of the mountains and ponds. Park-like backyard, huge deck & built-in hot tub. This open floor plan has vaulted ceilings, gorgeous fireplace & 3 bedrooms. close to everything!
3821 Rock Creek Dr. Bldg 20 #B, FTC-Beautiful 2 Story w/ 2 car att garage & an unfinished bsmnt. Includes stainless steel appl, Lrg master bdrm, 42” cabinets, hardwd flrs, fireplace, central air, washer & dryer, surround sound pre-wire, close to parks, trails, observatory & pool.
SAT 2-4 & SUN 11-1
5569 Quarry Street, Timnath. Immaculate 3BD + main floor study, 4428SF ranch-style home in Summerfields at Timnath Ranch. Wonderful upgrades & classy decorative touches. Open floor plan. Kitchen boasting granite slab, double oven, butler’s pantry and counter space galore!
SATURDAY 12-2
6305 Maverick Avenue, Timnath. 5BD/4BA, 4691sf. Gorgeous move-in ready 5 bedroom home, well located w/desirable schools! The pride of ownership shows with this like-new home. Open floor plan, many upgrades including newer hardwood floors, huge kitchen island, silestone counters!
SATURDAY 11-1
6330 Falcon Ridge Ct., FTC-Easy living ranch plan with 4bd, 4ba and 3 car garage, Light and open kitchen with granite and glass porch off nook. Daylight basement with huge family room, bdrm & bath. Mature trees and inviting neighborhood are waiting for you.
$439,900
$364,000
$424,900
$550,000
Call Adrienne Scharli (970) 217-7350
Call Jon Holsten 237-2752 or Reneta Bird 481-2363
Call Katie Moon (970) 377-6078
Call Paul Versteeg 223-7777
MLS#725056
MLS#725103
MLS#722253
6
BE D R O O M S!
MLS#723446
DAILY 1-5
6424 Murano Drive, Windsor - Stop & visit our MODEL HOME, open daily 1-5pm. 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.
SATURDAY 10-12
6458 Mayfair Avenue, Timnath6BD/3BA, 4065 finished sf. Fabulous home on greenbelt! Wide-open floor plan and vaulted ceilings welcome you home. Large kitchen with double ovens and generous counter space. Main level bedroom/office. Beautifully finished basement!
SATURDAY 2-4
6750 Pumpkin Ridge Dr. Windsor. 6bd/5ba, 4415 SF, 2-story. Phenomenal KEM home, backs to open space, upgrades galore, luxury master suite w/double sided fireplace. Finished basement w/ guest suite and wet bar. Open floor plan. Pool and tennis included in Metro District.
SATURDAY 11-1
6812 Spanish Bay Dr., Windsor Gorgeous patio home at Highland Meadows Golf Course. Loaded with extras including huge covered patio w/fireplace & built in bar, luxurious master suite w/oversized jetted tub, oversized 2 car garage. Low maintenance living at its best!
DAILY 10-6
6821 Rock River Rd,TimnathMeritage Homes is now selling homes at Timnath Ranch from 16032685 finished sq ft, 2 story and ranch plans. Homes back to open space, close to Bethke Elementary. Visit our model at 6821 Rock River Rd or call Russ Webber at 720-341-3425.
$750,000
$385,000
$570,000
$399,900
Homes from the low $300’s
Call Lee Cord (970) 215-9658
Call DR Phillips (970) 679-1595
Call Shelly Hill 310-3457
Call Adrienne Scharli 217-7350
Call Chris McElroy (970) 227-5102
MLS#722437
MLS#718520
E! G, M IN T HO M L AR UI CH M B O T S CU
SAT & SUN 1-4
SAT 1-3 & SUN 12-4
SAT & SUN 1-4
SUNDAY 11-1
SUNDAY 12-2
6913 Water View Ct., Timnath Fabulous new patio homes being built in Wild Wing by Hartford Homes. Beautiful new ranch & 2-story plans w/some walkout basements. Priced from $370,000-$670,000 base. Patio homes w/some incredible views overlooking Timnath Reservoir.
8362 Three Eagles Dr. FTC-4BD 5BA 5,618 sf custom ranch w/ quality throughout. Spectacular views! Gourmet kitchen w/ high end appliances & granite, master retreat. Finished walk-out basement. Huge deck overlooks tennis courts & open space.
$370,000-$670,000
$890,000
From the $300’s
$349,900
$300,000
Call Judy Bogaard 227-1000 or Brian Bogaard 481-5376
Call Christine Cavelier (303) 827-9170 or Kranny Spaeth 461-7158
Call Paul Schnaitter 222-8841
Call Robin Nash (970) 689-6188
Call Katie Moon (970) 377-6078
MLS#724655
Streamside, FTC-Come find new exciting designs and floor plans. Modern style homes with a comfortable feel. Ranches & 2 stories single family homes starting in the 300’s. Open concept living & Old Town Charm! Visit the sales office at Prospect and Ellis.
4220 Dixon Street, Timnath-3bd, 3ba, 2-Story, 3098 sf - BEAUTIFUL home on 1/2 acre lot w/ mature trees, large yard & play area. The open floor plan, vaulted ceilings, nooks, and large rooms make this home VERY FLEXIBLE. Upper level rec/bonus room. Oversized 2-car garage.
MLS#715319
LI ST IN G !
MLS#722252
N EW
MLS#660867
MLS#719414
4013 Capstone Court, Fort Collins-Beautiful 4BD/4BA 2958sf home located in a cul-de-sac in Sunstone! Top Notch remodel includes all new interior paint, carpet, some light fixtures. The kitchen is brand new with IKEA cabinets & SS appliances.
www.coloradoan.com/homes | An advertising supplement serving Northern Colorado
David T. Muth, CRS c: 970-481-5963 o: 970-229-0700
REAL ESTATE WEEKLY SATURDAY, JANUARY 11, 2014 5
“Defining Excellence One Customer At A Time”
WWW.MUTHREALESTATE.COM
5820 Watson Dr, Fort Collins 80528
6072 Trevino Ct, Fort Collins 80528
2526 Logan Dr, Loveland 80538
Patio home located along the 14th, 15th & 16th holes overlooking Fossil Creek in the Ptarmigan Golf Course Community. Kitchen with granite, cherry cabinets, island & hearth room. Main floor master retreat. Walkout basement with wet bar. New Furnace & hot water heater & house central vac. 2 car garage with extra room for your golf cart! $455,000. MLS #712142
Ranch-style home with walk-out basement overlooking the Ptarmigan Golf Course. Kitchen features new granite. Luxurious master suite has window seats and fireplace with access to the deck. Main floor study w/fireplace. Basement features wet bar, theatre room, 2 bedrooms with private bath & access to the patio. Backyard is partially fenced. $725,000. MLS #721774
Gorgeous brick home located on the shores of Lake Loveland! This home boasts beautiful hardwood floors, granite countertops, multiple fireplaces, master suite with luxury 5-piece master bath, walkout basement equipped with a full kitchen & a heated 3-car garage plus & additional pull through boat & trailer garage. $920,000. MLS #698881 E T IC EN PR EM K V 20 RO P IM
E T IC EN PR EM K V 15 RO P IM
7401 Barnes Ct, Fort Collins 80528
918 Huntington Hills, Fort Collins 80525
8435 Sand Dollar Dr, Windsor 80528
Gorgeous home situated on half an acre in a quiet cul-de-sac in the desirable Ptarmigan Golf Course Community. This ranch style property features a walkout basement with large deck, a large open kitchen with granite slab countertops and slate tile floors. The perfect basement for entertaining - complete with nice bar area, shows great! $515,000. MLS #720172
2 story home backs to ponds in Fossil Creek Park in SE FTC. Neighborhood offers a community pool & tennis courts. Home features hardwood floors, spacious kitchen and walk out basement 3 car garage with heated workshop, deck, covered patio, covered balcony, unique staircase to rooftop terrace, fenced backyard. $580,000. MLS #719047
Pride of ownership truly shows in this beautiful 2-story home located in the Highland Meadows Golf Course Community. Kitchen features granite slab countertops, upgraded Tharp cabinet & butler’s pantry. Upstairs offers 2 master suites. Finished basement features a wet bar with wine storage. This home has it all: hardwood floors, main floor study, 4-car garage. $619,000. MLS #718351
FC-0000384547
N EW HOM , R A E Y W E! E N IN NTRODUCING TRODUCING
THE TOTAL PACKAGE
EXTERIOR PACKAGE
LANDSCAPING IRRIGATION N FENCING
AND
PREMIER REMIE RE MIIE ER PACKAGE ACKAGE * GRANITE GRANITE C OUNTERTOPS! COUNTERTOPS! OUNTERTOPS! TERTOPS! GRANITE RANITE RA ACKSPLASH ANITE BACKSPLASH PLASH STAGGERED TAGGERED CABINETRY ABINETRY ETRY G WITH ROWN MOLDING OLDING G WITH CROWN 10 YRR STRUCTURAL TRUCTURAL WARRANTY ARRANTY
**
U P TO UP O
INTERIOR NTERIOR NT N TERIOR PACKAGE ACKA ACKAG AG GE E* BRUSHED HARDWAREE FULL APPLIANCE PACKAGE ACKAG GE GE 5 PIECE OWNER’S BATH AT TH HREE TONE PAINT THREE NT
AND
$10,000 IINN C LOSING OST OST OSTS STS!! CLOSING COSTS GC
AND
HOMES OVE IN NOW! MES READY TO MO www.drhorton.com/colorado
* Applies to new D.R. Horton purchase agreements in Colorado only, written from Jan. 6, 2014 - Jan. 31, 2014, which close escrow. Granite may not be available in completed homes. In such case, buyer will be given a certificate for a minimum 46” LCD TV, installed, complete with all required mounting brackets and cables. Included features may vary by community. Not valid with any buyer currently under contract with DR Horton, Inc, or in conjunction with any other promotions. The TV, valued at approximately $2500, may be considered a sales concession (depending on loan type) resulting in adjustments to the maximum allowable loan amount.See Sales Agent for specific incentive information. **DHI Mortgage Company Ltd., 9555 S. Kingston Ct, Ste. 100, Englewood, CO 80112, Phone 720-488-2080. NMLS #133322. Company NMLS #14622. Equal Housing Opportunity Lender. Regulated by the Division of Real Estate. DHIM is an affiliate of DR Horton. For more information about DHIM and its licensing please visit http://www.dhimortgage.com/affiliate/ **Save up to $10,000 on financing or closing costs when you purchase a DR Horton Colorado home. The incentives are to be used first towards the buyer’s origination charge, then towards any discount points to buy down the interest rate and then for other usual and customary closing costs. Provided for informational purposes only. This is not a commitment to lend. Not all borrowers will qualify. Buyer is not required to finance through DHI Mortgage or another seller “Preferred Lender” to purchase a home; however, buyer must use DHI Mortgage or another seller “Preferred Lender” to receive the incentive. Some restrictions apply. Offer valid new contracts written Jan. 6, FC-0000386104 2014 - Jan. 31, 2014, that close escrow. See sales agent for complete details including a list of all seller “Preferred Lenders”. Prices, included features, availability and delivery dates are subject to change without notice or obligation. See sales agent for details. ©2014 D.R. Horton, Inc
6 SATURDAY, JANUARY 11, 2014 REAL ESTATE WEEKLY
An advertising supplement serving Northern Colorado | www.coloradoan.com/homes
Mortgate Rates
Jan 9, 2014
U.S. Fixed-rate 30 year U.S. Fixed-rate 15 year Southwest Fixed-rate 30 year Southwest Fixed-rate 15 year
4.51% 3.56% 4.55% 3.64%
Jan 10, 2013 3.40% 2.66% 3.44% 2.71%
Financial Trends for 2014: What’s In and What’s Out
“
By Vera Gibbons Nationally acclaimed real estate and financial writer
Fortunately, numerous home upgrades can aid with living in place, making the experience all the more comfortable — from curbless showers to higher toilets and other enhancements and safety products
IN: Mobile payments OUT: Wallets The global payments industry is evolving further with each passing day, and mobile is the reason. Worldwide mobile payment transactions, expected to total $235.4 billion this year (up 44 percent from 2012), are projected to jump to $325 billion in 2014, according to tracking firm Gartner. And we’re not just using our phones as virtual wallets to buy lattes at Starbucks (At the forefront of this trend, the coffee giant says that about 11 percent of payments are now made using its app, downloaded on mobile devices.) or to hitch rides via Uber. As we become more connected than ever, we’re also quickly adopting person-to-person payment services such as Popmoney to send, receive or request money from anyone we know or owe — from friends and family members to baby sitters and landlords.
IN: Small mortgage lenders OUT: Big banks As big banks continue to retrench from the mortgage business, smaller players, which now hold a whopping 60 percent market share of the U.S. origination market, will continue to pick up larger chunks of business. This shift in mortgage lending will result in growing competition among small companies, regional banks and larger mortgage players. As a result, it could mean better customer service, flexibility and a speedier process when it comes to closing loans. You can get quotes from local lenders on Zillow Mortgage Marketplace where consumers receive on average more than 30 customized loan quotes per loan request. You should also do your research by reading rating and reviews of local mortgage professionals to assure you’re working with someone who can best meet your needs.
IN: Freelancing OUT: Full-time employment An astounding one-third of Americans are freelancers, contractors and consultants right now. And as employers continue to look for ways to save money/avoid paying benefits, this trend of hiring specialized experts — often recruited, filtered and screened via social networks — is here to stay. In fact, according to some estimates, the number of part-time workers, steadily rising since 2009, could even exceed the number of full-time employees in just five years. IN: Semi-retirement OUT: Retirement Due to the lack of a secure pension or forced early retirement, a growing number of older Americans — many of whom are more interested in guarantees and financial peace of mind than accumulating as much wealth as possible, accord-
“
J
ust like in food, fashion or fitness, financial trends come and go, too. Here’s a look at what will be “in” and what will be “out” for 2014.
ing to AIG’s Retirement ReSet Study — are now holding down part-time jobs. In fact, according to a recent study by the University of Michigan Retirement Research Center, the proportion of partially retired workers has risen from virtually zero to 15 percent for 60- to 62-year-olds, and is over 20 percent for 65- to 67-year-olds, up from 5 percent to 10 percent in 1960. IN: ‘Living in place’ OUT: ‘Aging in place’ Make no bones about it: Baby boomers continue to redefine what it means to be “old.” And one thing is certain: They don’t want to sit back on their rocking chairs, look at all their possessions and simply let time pass them by! Rather, they want to stay active, take in some culture and arts, seek out new health and wellness activities, spend time with family and friends, and ultimately enjoy life on their terms. And while we saw a lot of remodeling ac-
tivity with boomers last year and into 2013, the momentum is expected to continue into 2014 and beyond, particularly because the oldest baby boomers are more inclined than ever, according to one recent MetLife survey, to keep living where they are rather than move as part of retirement. Fortunately, numerous home upgrades can aid with living in place, making the experience all the more comfortable — from curbless showers to higher toilets and other enhancements and safety products that are as aesthetically pleasing as they are functional. For inspiration, go to Zillow Digs.
Vera Gibbons is a financial journalist based in New York City. She has written for Inc., SmartMoney, Kiplinger’s Personal Finance, walletpop.com, cnbc.com, and the New York Times. She currently writes for Real Simple magazine, Zillow, and Reuters personal finance blog, Prism Money. Previously, Gibbons was a financial contributor with CBS The Early Show and was a Financial Analyst for MSNBC. She appeared regularly on all NBC platforms including the Today Show and Nightly News.
• Local News • Sports • Business • Schools • Entertainment • Home • Improvement • More!
LOG ON TODAY.
www.coloradoan.com/homes | An advertising supplement serving Northern Colorado
REAL ESTATE WEEKLY SATURDAY, JANUARY 11, 2014 7
January 2014 Old Town Market Update
T
he Old Town market currently has just short of about 25 single-family homes for sale in all price ranges to start 2014. This is a fairly low inventory considering that historically, many new buyers enter the market shortly after the holidays. The laws of supply and demand can make the early months of the year one of the best times to sell! There is less competition and a fair number of buyers. Sometimes it is difficult to properly price a home in Old Town due to changing market forces and the variety of homes, as compared
Anne Marie Schachte & Emily Heinz FOR REAL ESTATE WEEKLY
to a newer subdivision with several standard floor plans. Below are four examples of Old Town homes that sold over list price. 1) Home listed at $359k, went under contract in 4
days at $375k - $16,000 over list price 2) Home listed at $449k, went under contract in 5 days for $471k - $22,000 over list price 3) Home listed at $350k, went under contract in 5 days for $376k - $26,000 over list price 4) Home listed at $289k, went under contract in 11 days for $320k - $31,000 over list price These examples show that a well thought out market analysis, using all available data and insight is important to correctly price your home so as not to un-
derprice it when selling and to maximize its equity. Pricing a home is not only based on what has sold, but also what is currently available for sale. Realtors and appraisers can use both when establishing a fair market value, especially in an ever changing market. Instead of potentially losing thousands of dollars in the sale, consider pricing your home at a slightly higher asking price to test the market if you have time on your side. On the other hand, setting a higher price for your home may require a price adjustment in order to find out where the
home should be priced. Anne Marie Schachte & Emily Heinz are Broker/ Owners of Downtown Real Estate Partners, LLC and can be reached at Annemarie@oldtownforsale.com, 970-231-5473 and Emily@ oldtownforsale.com, 970988-9367. Follow the old town market weekly by checking our blog at oldtownforsale.com. Your comments are also welcome so leave us a voice mail directly on our website, follow us on Twitter, or visit us on Facebook!
The Seven Steps to Buying a Home By Brendon DeSimone Nationally recognized real estate expert You’ve finally found the home you love. Now what? Though every market is different, you can expect to follow these seven steps, from offer to closing. 1. Making an offer If you’re sure the home you love is right for you, it’s time to make your move. This means writing up a formal purchase offer and signing a real estate contract. Even though it’s early in the buying process, you still must sign a legally binding contract. With your signature, you’re committing to moving ahead with the seller. Keep in mind you can add contingencies to many real estate contracts. For example, most real estate buying offers will be contingent on a property inspection, as well as disclosure review, loan approval, appraisal and other matters. Such contingencies enable buyers to opt out of the contract if unexpected problems or concerns pop up.
2. Disclosures In most states, sellers are legally required to provide buyers with disclosure documents, a preliminary title report, copies of city reports and any specific local documents. In California, for example, an earthquake hazards report or a geological survey is required as part of the disclosures. In some areas of the South, especially near the Gulf Coast, buyers usually receive flood maps and reports relevant to the property being considered. In addition, sellers must disclose any known issues that might affect the property’s value or habitability. Usually, in a transfer disclosure statement, sellers must answer a series of “yes” or
“no” questions about the property, the neighborhood and their experience there. If there have been leaky windows, violations from the city, work done without permits or plans for a major nearby development, the seller must disclose them. If there are significant issues, the seller’s agent would likely have brought them up before the contract signing. But if something is disclosed here that is a negative factor for you, it is your “out” of the contract. 3. The appraisal Most buyers put a certain amount of money down toward the purchase price. The balance will come in the form of a bank loan (usually). But a bank isn’t going to hand over that money without due diligence. An appraisal is the financial institution’s way of making sure the contract price is the right price. So the lender sends out a thirdparty appraiser, which the buyer pays for, to confirm that the contract price is in line with the neighborhood’s comparable sales. If it’s not,
the bank can deny the loan or change the terms. 4. Inspections As part of the real estate contract, you have the right to a property inspection. The most common is a “general” property inspection, in which the inspector checks the home from the foundation to the roof and investigates all major systems and components. As the buyer, you should follow along with the inspector to learn more
about the property. For example, you’ll want to know about the components (such as the water heater) and have a plan in place for maintenance. After the general property inspection, the inspector may suggest having a specialist come out. This could be a roofer, electrician, HVAC specialist or even an engineer. Listen to the inspector and have any recommended follow-up inspections. ReSee SEVEN, page11
OPEN HOUSE SATURDAY 1PM to 3PM $469,000
8840 Longs Peak Circle, Windsor Amazing home located on 2.2 private acres with phenomenal views! 4 bed/3 bath, hardwood floors, open floorplan, unfinished bsmt. MLS#695592 Directions: From I-25 take Crossroads Boulevard east, North on Haystack,West on Longs Peak, Home is on the left.
Hosted by Dawne Collier 970-412-5110
FC-0000386679
10 SATURDAY, JANUARY 11, 2014 REAL ESTATE WEEKLY :2J5<5..+:F(5<5.. #
(.F2 ,/33M)98; '/ %3/H *388O6K > NPA 4 J25&IJ
P#B ^Z J# !SU 'X\\^Z2@ 0 <XX3 V\+Z2" ^Z7 &\Md^Z9$ O (`d.O (+S8 &XZdX ?X3 bW0Y"YAA1 2V+&^XM2 W"/OQ 25 ?S" R,_P !TNNL &XZdX I. O (`d 6 2SMdE ) ?X3[+\ d^Z^Z9" O &+3 9+7 3+9` ) HaL## V+S^X2 ?X3 bO;Y"YAA1 Q (`d 6 2SMdE SXIZ8X[` I. O7&+3 9+3+9`" (+2`7 [`ZS ) V3^K+S` ?`Z&`d XMSdXX3 \^K^Z9 2V+&`2 ?X3 bO;0"YAAU NZ 2+\` ZXI ) +K+^\+(\` ?X3 [XK` ^Z R+E OAW:@
-%
--
P3D :F..0K Q P3D :G..0K
) *-+"& '11 + . ( / * 0
% 3'4 1/ */,
An advertising supplement serving Northern Colorado | www.coloradoan.com/homes %/37 H"9 :2(.0K
-$
) *-+"& '11 + . ( / * 0
(-(. '/O11O6$ B3=M P6 4%Q2.F< %3/H *388O6K > NPA4 J2J(52
T+Zd[+3] aX[`2 MZK`^\2 ^S2 Z`I`2S \^Z` X? 5M+\^SE (M^\S &XZdX78X[`2 ^Z `2S``[`d !X27 2^\ T+]` L+Z&8U '8XX2` ?3X[ + O (`d.O (+S8 M3(+Z \X?S 2SE\` d`2^9Z ?3X[ S8` \XI bOAA421 MV SX + O"/:Q 25 ?S" ; (`d.: (+S8 [+^Z <XX3 [+2S`3 I^S8 O7&+3 9+3+9` +Zd =Z^28`d (+2`7 [`ZS ^Z S8` \XI bQAA42" +\\ !FTT- TN,%7 #% I^S8 2MV`3 MV2&+\` +Zd `Z`39E `>&^`ZS =Z^28`2U NS8`3 V\+Z2 ^Z S8` [^d bOAA42U
OPEN HOUSE SATURDAY 1:00 – 3:00 PM
&5.( #?"60K L9?M '/ 42.&< P3E98?6; > NPA4 J25(G&
*3+Zd Z`I W"WAA6.7 25 ?S" O (`d.O (+S8 &XZdX2 I. XVS^XZ+\ 9+3+9`2" \X&+S`d ^Z S8` 8`+3S X? '`ZS`33+ I^S8 MV2&+\` =Z^28`2 \^]` 93+Z^S` &XMZS`32 +Zd (3XZC` =GSM3`2" V`3 V\+ZU ,[`Z^S^`2 ^Z&\Md` 2I^[[^Z9 VXX\" 8XS SM( +Zd &\M(8XM2`" V\M2 +\\ X? '`ZS`33+42 28XV2" 3`2S+M3+ZS2 +Zd [X3`@ FZ(`+S+(\` K+\M` 2S+3S^Z9 ^Z S8` bW;A42 I^S8 (M^\d`3 I+33+ZSE@ '+\\ ?X3 +K+^\+(^\^SEU
5953 Woodcliffe Drive in Windsor
Low-maintenance 3 bed 3 bath patio home w/ views across the arroyo, west to mountains! Open floor plan, hardwood, granite. Main floor living w/walkout! Less than year old. HOA takes care of yard, trash & snow removal. DBL-sided fireplace, storage and 3 car garage.
P3D H3 NO; :F..0K
) *- "& 1 ++ ' 1 /.*( 0
*?88 !9/97C !3"6K36 !&#"$'$"%'%%
F2J& *?19 #?HH9/?K '/OE9 @O6;K3/ > NPA 4 J.&(((
JV`&S+&M\+3 Z`I [+^Z <XX3 [+2S`3 SXIZ 8X[` ^Z B+S`3 D+\\`E JXMS8@ c3+Z^S` &XMZ7 S`32" 8+3dIXXd ) S^\` <XX3^Z9" (3XZC`.Z^&]`\ =GSM3`2" =3`V\+&`" ,.'" 2S+^Z\`22 +VV\^+Z&`2" 2X\^d &X3` dXX32" &`^\^Z9 ?+Z2" 6 &+S8`d3+\ &`^\^Z91 O (`d2" \X?S ) (XZM2 3XX[ MV2S+^32U Q V\+Z2 SX &8XX2` ?3X[ +\\ I. (2[S" ?`Z&`d ?3XZS VX3&8 ) +SS+&8`d O7&+3 9+3+9`U !MSM3` V\+Z2 ^Z&\Md` + &\M(8XM2` ) \+]`.(`+&8?3XZS +[`Z^S^`2U 'X[[MZ^SE (X3d`32 #+9\` T+]`@
$469,000 • MLS 717886
.2)2*#!12&)2",0/*2'+(2&
Hosted by: Nancy Baxter Real Estate Advisor 970-231-7700 • NBaxter@c3-re.com
www.C3RealEstateSolutions.com
$"63 *.62 /,42(2,42,%-: *!,24 9 *(2'"%24 7 +&8150#1)&0) FC-0000386681
!1+. #)%' ")/)'2.) *)-, *,',( $$$(4)-,&3+")/)'2.)(0)-
>6
>8
*" (, )! +"$ '1 /1 /. 2
/
-<?F %C>=2>D '.8 AC:5,4. -&%)/### 0 !"1 ,($'+$)
AY#-D" 5USM $)QQ\^" :SW? $S/65\ )U^ &)$X5 2S ,66SKS 8 FQ\U DQ)$\ 8H\M 'SU526/$27SU 8 JS.\ 7U E\)^K 8 C/5$)UK $SWS65 8; &\^6SSV5 )U^ < &)295" M\2 &)6" < $)6 2)U^\V 8 ;44G 5O ?2 >U759\^" 5W)& :6)U72\P
'211 %IF =-'HB.2-4 '&#(!%#(#&$$
","-&7"-(?9+".
$1G< '1::?7E @13<D5 )CF9 * (1;G2I;:= &G, 8 66AB944F
1 .'
*-
)+
>1
"&
/
<1- (D2,B:9B "B 7*-8 AC:5,4. -.+/)## 0 !"1 ,($)*'#
0 &^6V" 0 52S6K"R R30 &)29 $SU^SP BQ8 ^)2\^ ( 7VV)$/W)2\P H\MWK Q)7U2\^" U\M\6 ?/6U)$\ ( ,3'P ,WW )QQW7)U$\ 7U$W/^\^P L)V7U)2\^ MSS^ !W65 7U LAEJ ( *%EJD" C7W\ !W65 7U N72$9\U ( &)295P FQ\U =SS6 QW)UP
'211 @6D &IHB24 '&#(!'#("'#'
/2;&/2;#,)7(09$)-
1 .'
*-
)+
>3
"&
/.
?F<F '>=B4: '.8 &4.B (4==C:, -*+%/### 0 !"1 ,($'.$+
]6\)2 1 &^ 9SV\ 7U D- !S62 'SWW7U5 8 U\MWK Q)7U2\^" U\M =SS67U:" U\M 27W\ 7U &)29 ( X72$9\U 8 U\M\6 6SS?" U\M\6 ?/6U)$\" U\M QW/V&7U: )U^ V/$9 VS6\@ -SU^\6?/W ?\U$\^ K)6^ M729 ?SS297WW5 .7\M 8 X7^U\K 59)Q\^ Q)27S89S2 2/& 52)K5@ D2SQ &K 2S^)K@ #H>3F>> !B6> $BF>>.2,+ J;A9LLL980;C @6>3F) /G 7BK)G *K13+ J;A9LE?9E<L0
$1G< '1::?7E &1I7<1I75 .6+ @, "1I/E @</, .6F 8 )-6B.C-.
* '1
-)
++"
+
+<+? #4;@6C238 &4.B (4==C:, -)'./.## 0 !"1 ,($*..(
, 6)6\ >U^ 7U ES$X.7\M D/& M3 ) P< )$6\ WS2" M)WX S/2 &)5\V\U2" &)$X5 2S M7^\ SQ\U .7\M5 S? 29\ ?SS297WW5 ( [S65\2SS29 ES$XP < &^ ; &29 1 $)6 :)6):\" ;;GG 5O?2 FQ\U W)KS/2 M3 U\M :6)U72\ $S/U2\65 ( &)$X85QW)59P +)6^ &)$X5 2S 9S65\5 ( .7\M5 29)2 )6\ 9)6^ 2S >U^P , C6/\ J/52 D\\@ '211 (B2)G 5213FB>+ J;A9JCC9;;88
>!
//0E $:5C>: !C==>)28 A2==C:)B4: -$$./### 0 !"1 ,($'''%
,V)I7U: 6)U$9 M729 1 &\^6SSV5" 0 &)295" 1 $)6 :)6):\ M729 0T<Z 5O/)6\ ?\\2P FQ\U =SS6 QW)U" .)/W2\^ $\7W8 7U:5" :)5 >6\QW)$\" 5Q)$7S/5 X72$9\U" )WW U\M $)6Q\2" ?/WWK ?\U$\^@ #H>3 7G1FB "2.F>+ J;A9LEC9LC?E @6>3F) /G *//G :F,,FB+ J;A9??89A80?
%7(#=@(/."75&7"-(?9+".
!10/:;725 C+F >, %?E/7D1I/G (:02, 8 AA4B.69)
Where news stories come to life Log onto Coloradoan.com, click the video link and explore local video stories.
*($4 ):$" 2+#"<"+#"+./= )@+"# ' )<"7(."# " +$ -) 1* ' /.
#G//:/H5 .6C+ +-<D *0/73/5 @3?</ * 8 99FB+FFF
LOG ON TODAY.
www.coloradoan.com/homes | An advertising supplement serving Northern Colorado Seven
(Continued from page 7)
member: This is your one chance to approve the property from top to bottom. If issues arise, you may be able to negotiate a fix or credit with the seller. If something major arises and it’s not what you signed up for, you can exit the contract via your inspection contingency. 5. Loan approval or commitment In addition to making certain the property appraises at no less than the contract price, the bank will want to fully approve your credit, debt and income history. The bank will also want to approve the property’s preliminary title report to make sure there are no liens recorded against the property that might affect its value. The bank can take up to 30 days to complete its review, which should result in a loan commitment or full loan approval. Once that’s completed to the bank’s satisfaction, you’re guaranteed a loan, and you’re one step closer to closing. 6. Final walk-through Just before closing, you should walk back through the property to make sure it’s in the condition it was when you last saw it. Make sure the seller didn’t remove any fixtures, make modifications or leave behind garbage or debris. You also want to be sure any fixes you negotiated with the seller have been completed. 7. The closing Depending on the market, the clos-
ing may happen at an attorney’s office or with an escrow officer at a title company. In some jurisdictions, the buyer and seller don’t ever meet. Each goes in to sign their closing papers separately. In others, the buyers and sellers sign the closing documents together. Also, thanks to current technologies, some closings can now happen remotely using wire transfers and overnight delivery of documents. Regardless of how a closing happens, if you’re a buyer and getting a loan, plan on signing dozens of documents at closing. You’ll need to show photo ID, as your signature will be notarized. Prior to the closing, your real estate agent, attorney or escrow officer should send over a closing statement to review. The statement details your final closing costs and the money you need to bring to the closing. The funds can be wired in or paid with a cashier’s check on closing day. Be sure to ask for the statement early, so there aren’t any last-minute surprises. Reprinted by permission from Brendon DeSimone who is a Realtor, a regular HGTV contributor, a Zillow blogger, and one of the nation’s leading real estate experts. He has collaborated on multiple real estate books and his expert advice is regularly sought out by print, online, and television media outlets including The Today Show, Good Morning America, CNN, FOX News, Bloomberg, CNBC, and Forbes.
REAL ESTATE WEEKLY SATURDAY, JANUARY 11, 2014 11
GET CONNECTED
LOG ON TODAY.
31*. $)%# (&/2+1. &'//"- *+$"+!2-
!&/+*.&' ,.10&.+"&& '$ #( '! ( "%
HAHL !9.DJ. &B/ 79.->JB 2#,,4!!! 6 "$8 +(#.#%0
& '$ #( '! ( "%
8)C8 @9-?+49.+ &B/ :91.53< 2,!!4!!! 6 "$8 +(#.!,.
*"B03:\088K 7B:X3B:X"& A )VIK 2 +"&( 2 +B3< >;8"/"8 <V7"S DBO3"\088K 0T&B3"& 3<PV0=<V03S C"3 +BP A 8BP=" \B7:8K PVV7S CVV& @VVPO 3<PV0=< &:X:X= A 0T&B3"& 9:3)<"X .4 =PBX:3" )V0X3"POS YBP=" +O73 P") PVV7S *:= KBP& .:3< 7B30P" 3P""O( O3VP; B=" O<"& A )V/"P"& +B)9 TB3:VS
E30XX:X= .B89;V03 PBX)< +K ]V7"O V\ %:O3:X)3:VX :X ]BP7VXK '80+S HP"7:07 8V3( B7BI:X= /:".O V\ D:7XB3< F"O"P/V:P A 3<" 7V0X3B:XOS ]:=<;"X& ZX:O<"OS ]BP&.VV&O 3<PV0=< "X3PK( &:X:X=( =P"B3 PVV7 A 9:3)<"XS !V0P7"3 9:3)<"X .4 O8B+ =PBX:3"( EE BTTO( =BO PBX="S
)LAL =E9..56+B &B * 2 (/ 79.->JB 2%.,4,!!12%'54,!!
HLA0 @K+ '3/ %JB3 'J449.> 2(#.4!!! 6 "$8 +',.!%'
YV. 7B:X3"XBX)" TB:P"& 'V33B="O +K YBX&; 7BP9 ]V7"O B3 ]:=<8BX& N"B&V.OS 1 @VVP T8BXO B/B:8B+8"S !V0P7"3 9:3)<"X .4=PBX:3" )V0X3"PO( .VV& @VVPO( O3B:X8"OO BTTO( A :O; 8BX&S JT"X T8BX 3<PV0=< &:X:X=( 9:3)<"X A =P"B3 PVV7 T"P\")3 \VP "X3"P3B:X:X=S ]0=" 7BO3"P O0:3" <BO ?T) +B3< A .B89;:X )8VO"3S
E30XX:X= X". PBX)< +K Y0M0PK ]V7"O :X Y" [BP&:XS ]:=< "X& \"B30P"O 3<PV0=<V03S #088K ZX:O<"& <V7" :X)80&"O > +"&PVV7O( 2 +B3<O( 7B:X 8"/"8 O30&K( P") PVV7 A \088K "R0:TT"& 3<"B3P" PVV7S !V0P7"3 9:3)<"XS ETB;8:9" ?T) 7BO3"P +B3< .4)0O3V7 3:8" A "XVP7V0O .B89;:X )8VO"3!
;LLA 'BD>354 &JG.> &B/ 79.->JB 2.#045.! 6 "$8 +(*!'00
0,0A $5BF+4- *I+/ 7+449.?3J. 2*!!4!!! 6 "$8 +(#5'00
L". PBX)< T8BX +K YBX&7BP9 ]V7"OS 2 +"&( 1 U41 +B3<S !V0P7"3 9:3)<"X .4 O8B+ =PBX:3" )V0X3"PO( O3B:X8"OO O3""8 BTT8:BX)"O( 8BP=" )"X3"P :O8BX&( .VV& @VVP:X= A +038"PQO TBX3PK 3<PV0=< 3V \VP7B8 &:X:X=S NBO3"P <BO OTB;8:9" ? T) +B3<( 8BP=" .B89;:X )8VO"3S 2 )BP =BPB="S 1 7VX3<O 3V )V7T8"3:VXS
'<BP7:X= TPVT"P3K :X 3<" <"BP3 V\ C"8; 8:X=3VXS 1 +"&( 1 +B3<( 8BP=" 8:/:X= PVV7 VT"X 3V &:X:X= A 0T&B3"& 9:3)<"XS #088K \"X)"&S *B)9 KBP& O3VPB=" O<"& A B88"K B))"OO 3V TBP9:X= OTB)"S !VV& :X/"O3; 7"X3 TV3"X3:B8^
).33
&'//"- *+$"+!
W6G;?56;2W>1
&O)<:)9GGU-BV8S)V7 #J3> 9. !5B6 "+5-JG>/ 7+449.?3J. 8&7)&/-3 7& 2%.4!!!
F"O:&"X3:B8 *0:8&:X= 8V3O B/B:8B+8" ; HBP9 N"B&V.O E0+&:/:O:VX C"88:X=3VXS 62 H"P7:3 F"B&K YV3O ,/B:8B+8" ; +0K :X TB)9B="O VP O:X=8" 8V3OS $2?(GGG ; $>?(GGGS
,#*%0(*1
$"6. ,062 3/42+2/42/'1! ,#/24 8 ,+2*"'24 7 -)95%%(5&--9
12 SATURDAY, JANUARY 11, 2014 REAL ESTATE WEEKLY
An advertising supplement serving Northern Colorado | www.coloradoan.com/homes
Ask our broker
Hard To Go Jumbo Question: Is it true that jumbo mortgages will be more difficult to get in 2014? If so, how will this impact real estate in more expensive communities? Answer: Jumbo mortgages are big loans that, because of their size, do not meet conforming loan standards or FHA rules. There is no jumbo financing shortage, but the type of jumbo loans available in 2014 is expected to change, as will the ability to qualify.
Peter G. Miller
These changes will undoubtedly impact some potential borrowers and thus highcost real estate markets in areas such as California and along the East Coast. The country is now com-
ing out of a massive foreclosure meltdown that began in 2006 and 2007, the worst since the Great Depression of the 1930s. Nobody wants a repeat of this event and one result is that new lending rules are in effect in 2014. Under the new guidelines, most new loans will be "qualified mortgages," loans that limit lender liability under Wall Street reform laws. There are a variety of standards used to define what is and what is not a "qualified mortgage," and several impact jumbo financing. For instance, as much as
E OUS N H PM OPEAT 1-3 S
1018 Centre Avenue Fort Collins, CO 80526 970.221.5995 ftcollinshomes.com
WWW.FACEBOOK.COM/REMAXADVANCEDINC E OUS N H PM OPEAT 1-3 S
4
501 SMITH STREET
JUST LISTED!
Enjoy maintenance free living at this downtown river corridor location! Built in 2005, this mint condition 2 story townhome features 2 spacious bedrooms, 2 baths, private balcony, underground parking garage & adjacent to Martinez Park, Poudre Trail, Dazbog Coffee & walk to Old Town! Currently Rented until February 1, 2014. $349,000 MLS#: 725342
Angie Spangler, CNE 970-402-6430 fortcollinsrealestatebyangie.com E OUS N H PM OPEAT 1-3 S
Cute and comfortable with high ceilings, wood floors & charming front porch. Two bedroom, one bath. Updated kitchen and bath. Small fenced yard, wood deck and storage shed just outside back door. Newer roof and furnace. Appliances including washer and dryer stay. Great Price! $203,000 MLS#: 724703
Denise Staab 970-581-5671 denisestaabfortcollinshomes.com
5
E OUS M N H -2P OPE11AM SAT
2
terest is paid. Under qualified mortgage rules, interest-only loans are generally a no-no. Under the new rules, jumbo loans will still be available in the form of self-amortizing mortgages to well-qualified borrowers. However, some potential borrowers who may have qualified in the past for jumbo financing will now only qualify for smaller loans, something that could mean fewer bidders in highpriced markets. © CTW Features Email peter@ctwfeatures. com. Due to volume, not all questions may be answered.
3
O SATPEN H 11A OUS M-1 E PM
1905 PAWNEE DRIVE
1755 GLENWOOD DRIVE
Terrific opportunity to live in desirable Indian Hills neighborhood. Custom 3BD, 2.5BA tri-level home quality built by Carl Nelson and offered for sale for the very first time! Clean and very well maintained by original owner. Truly amazing yard, RV parking, attached greenhouse. Don’t delay! $405,000
Well maintained 2 story plus fin basement offering over 3000 s.f. & 3 bdrms, 2.5 baths. Updated kitchen & bathrm, sun rm overlooks mature backyd. Move in ready-appliances & window treatments included. Fenced backyard, sprinkler system & patio. 2 car attached garage. Walk to Rolland Moore Park. $295,000 MLS#: 725282
Lori Weeks & Dana Goode 970-443-9800
Angie Spangler, CNE 970-402-6430 fortcollinsrealestatebyangie.com
INDIAN HILLS
E OUS M N H -2P OPE11AM SAT
JUST LISTED!
6
2331 WAPITI RD
2419 W STUART STREET
5551 CORNERSTONE DRIVE B-8
Wonderful ranch in desirable Fox Meadows. Brand new flooring throughout. SS appliance & LG w/d convey. Great yard: fully fenced, deck, mature trees, low maintenance landscape, sprinkler system. A/C. Huge downstairs family room for theater room/entertaining. Close to everything! $254,900 MLS#: 725234
New interior and exterior paint, new roof, new garage door and opener, new carpet, lots of wood floors. New range, microwave and garbage disposal. Almost all interior doors are new Colonist panel doors. Fenced in deep rear yard. $219,900 MLS#: 722618
Darling Sage Creek 2 story townhome featuring 1172 finished s.f. and an additional 592 s.f. in basement for future finishing potential. 2 bdrms & 1.5 baths with 1 car detached garage. HOA is $180/month offering maintenance free living & common amenities. Close to I-25 & Front Range Village! $181,500 MLS#: TBA
Scott Sutherland 970-980-1069
Carolyn Wade 970-217-9178
JUST LISTED!
FC-0000386557
409 N. MASON CT., #225
1
43 percent of a borrower's income can generally be devoted to recurring monthly debts such as mortgages, car payments, student debt and credit card bills under the new rules. That's a problem for some jumbo borrowers, because often they have been allowed to devote more than 43 percent of their income to such costs. Another potential problem is that some jumbo loans start out as interest-only mortgage products, meaning that initial monthly costs are lower than with a self-amortizing loan because only in-
PRICED RIGHT TO SELL!
COMING SOON!
1201 BUTTONWOOD DRIVE
FIRST TIME ON MARKET Custom 2 Story in Parkwood across from the greenbelt. Lovingly cared for 4 large bedrooms, 3 baths. Updated kitchen/baths. Hardwood Floors, 3 Season Tiled Porch. Beautifully landscaped yard. Office with separate entry. Come and see why so many people want to live in Parkwood. Pat Olian MLS#: 725287 $430,000 970-227-5486
Angie Spangler, CNE 970-402-6430 fortcollinsrealestatebyangie.com
www.coloradoan.com/homes | An advertising supplement serving Northern Colorado
REAL ESTATE WEEKLY SATURDAY, JANUARY 11, 2014 13
Infographic: History of Mortgage Rates By: Erin Lantz, director of Zillow Mortgage Marketplace Since 1971, when mortgage rates first started being tracked, they have ranged from a high of 18.63 percent in the early 80 s to a low of 3.20 percent in late 2013. Currently, rates are still relatively low and for many prospective home buyers, low rates can greatly affect the affordability of a home and the monthly mortgage payment. But, what will the future hold? “After dropping to all-time lows at the end of 2012, rates have steadily rebounded throughout 2013.
Now that the Federal Reserve has announced plans to begin winding down its stimulus program, which has helped keep rates low while the economy was still fragile, we expect rates will rise above 5 percent in 2014 as the economic recovery gains steam. Although those who missed out on mortgages in the 3 percent range may be disappointed that they missed that historic window, rates are still extraordinarily low by historic standards,” says Erin Lantz, director of Zillow Mortgage Marketplace.
? s? ds nd ren he ttre off tth ad o ea he ah pa ep stte ga s ng Stayin
B r illia n .
The more you know, the more you’ll grow.
When the recent graduate who just rented 2B started plotting his escape from his parents’ basement, he used his smart phone and found your listings on Apartments.com. Later that evening, he checked out your website and Facebook page. The secret to your online marketing smarts? Free training from Apartments.com – where helpful learning tools can be your key to success.
Sign up for our free training webinars at Apartments.com/asc/Training/Webinar or call (888) 658-RENT. ©2012 Classified Ventures, LLC. All rights reserved.
M E D I A
G R O U P
FC-0000378109
4,000
$ W W W. M Y D R Y C R E E K H O M E . C O M
Homes near Old Town from the Low $200s Only 8 Lots Remaining!
Use your $4,000 Incentive towards options & upgrades, buy down your interest rate, pay closing costs-you choose!
Model Open Weekdays 1-4 and Weekends 11-4 2050 International Blvd., Fort Collins 80524 • (970) 388-0456
Incentive Use asYou Choose
www.coloradoan.com/homes | An advertising supplement serving Northern Colorado
REAL ESTATE WEEKLY SATURDAY, JANUARY 11, 2014 15
Real Estate Transactions
The following information about recent real estate sales is supplied by Weekly Homebuyers List, Inc. of Lakewood. Names, addresses, cities, ZIP codes and phone numbers of all new homeowners are available from Weekly Homebuyers List, Inc on sticky labels. Call (303) 744-2020 or visit www.weeklyhomebuyerslist.com
Berthoud • 840 7th St.; Buyer: Lauren Feldman; Seller: Jo Enterprises Lllp; $155,000
Drake • 2117 Us Highway 34; Buyer: Jeffrey & Cheryl Cowan; Seller: North Survivors Trust; $275,000
Estes Park • 880 Scott Ave.; Buyer: Ryan & Lauren Banker; Seller: Robert S. Austin; $367,000 • 4070 Little Valley Road; Buyer: Thomas Everitt; Seller: Carolyn A. Cody Trust; $1,050,000
Fort Collins • 413 N. Impala Dr.; Buyer: Anna Dahlgren; Seller: Jarrett M. Ponsolle; $188,000 • 705 Ponderosa Dr.; Buyer: Amy Gilbert; Seller: James R. Bowers; $224,500 • 2112 Clearview Ave.; Buyer: Laura Underdown; Seller: Erin & Andy Sprain; $241,900 • 1026 Sycamore St.; Buyer: Milena Aguirre; Seller: Theo Rokos; $248,000 • 1034 W. Oak St.; Buyer: Mike & Stacy Chaloupka; Seller: Patrick H. Martin; $569,000 • 325 Sundance Circle N., Unit C; Buyer: Reece Anderson; Seller: Eleanor V. Millis; $123,000 • 2615 Forecastle Dr.; Buyer: Jonathan Mintle; Seller: Kathryn M. Atwood; $213,300 • 1518 Peterson St.; Buyer: Robert Benham; Seller: Jon R. Whitney; $247,500 • 716 Gregory Road; Buyer: Stephanie Lachance; Seller: Michael D. Beshore; $254,500 • 4733 Brumby Lane; Buyer: Patrick & Lynette Tubb; Seller: Scott & Bonnie Dennis; $350,000 • 731 Peregrine Run; Buyer: John & Laura Taggart; Seller: Stephen & Caroline May; $357,500 • 143 Mathews St.; Buyer: Jeffrey & Julie Goodwin; Seller: Stephen P. Lambert; $490,000
• 1725 Lakeview Dr.; Buyer: Tamra & Robert Meurer; Seller: Thomas & Lori Scott; $495,000 • 512 E. Monroe Dr., Unit C324; Buyer: Barry & Vicki Wyman; Seller: Darrel Johnson Trust; $79,000 • 5620 Fossil Creek Parkway, Unit 4202; Buyer: Donna Goodemote; Seller: Craig A. Goodemote; $132,000 • 6420 Solar Ct.; Buyer: Mark Landgraf; Seller: Timothy & Gina Thayer; $167,500 • 5412 Fossil Ct. N; Buyer: Jennifer Diaz; Seller: Michael Warren Chaloupka; $212,000 • 533 Kim Dr.; Buyer: James & Jennifer Yoh; Seller: Brian & Sarah Kane; $247,500 • 7102 Crooked Arrow Lane; Buyer: Justin Gallimore; Seller: Shadow Creek Homes LLC; $340,700 • 1114 Saint Croix Place; Buyer: James Hansen; Seller: Carol A. Wettstein; $384,900 • 2828 Silverplume Dr., Unit B5; Buyer: Thomas Mcilwain; Seller: Mclaughlin Group LLC; $162,000
You want to make your business stronger. So do we.
• 4509 Starflower Dr., Unit A; Buyer: Timothy Cawley; Seller: Douglas & Constance Dohn; $171,500 • 1836 Michael Lane; Buyer: Andrew & Janet Warnock; Seller: Nancy F. Piper; $527,000 • 2913 Indigo Circle N; Buyer: Jonathan Stevens; Seller: Robert Steven Piper; $225,000 • 5026 Brookfield Dr., Unit C; Buyer: Russell & Patricia Austin; Seller: Victoria J. Autry; $265,000 • 3638 Voyager Lane; Buyer: Gregorio & Marlene Mendez; Seller: William Lyon Homes Inc; $412,000
Whether it’s in print or on the web, your customers are checking us out. Let us help you create a strategy that will get customers through your door.
• 5111 Daylight Ct.; Buyer: Bruce & Dina Smith; Seller: Bogard Construction Inc; $483,800
Call 1-970-224-7714 to schedule a consultation today.
See TRANSACTIONS page16
Together, we get results.
16 SATURDAY, JANUARY 11, 2014 REAL ESTATE WEEKLY
Transactions
(Continued from page 15)
Johnstown • 4909 Saddlewood Circle; Buyer: Geana & John Roehrig; Seller: Oakwood Homes LLC; $383,300
Livermore • 1302 Montcalm Dr.; Buyer: Bryan & Judith Johnson; Seller: Thomas P. Harris; $320,000
Loveland • 3082 6th St. SW; Buyer: Ryan & Nicole Hollinshead; Seller: Gary & Denise Kloster; $350,000
• 2351 Steamboat Springs St.; Buyer: Roger & Carolyn Parmenter; Seller: Bill & Panayota Keramidis; $235,000
• 4515 Walden Ct.; Buyer: James & Vivian Randall; Seller: Clifford & Vicky Robson; $293,500 • 2015 Arkansas St.; Buyer: Dale & Debra Kunkel; Seller: Glen Case; $349,900 • 2009 Ponderosa Dr.; Buyer: Michael Langersmith; Seller: Jane A. Dedecker; $740,000
• 430 Fieldstone Dr.; Buyer: Michael Fargo; Seller: David J. Walton; $247,500
• 6735 Rodney St.; Buyer: Bryan & Cendi Gossel; Seller: Brian & Karen Gafford; $361,500
o my doorr?? errss tto tte n e r re e r o m g n i in Gett
. m g a t n A dva
Severance
• 367 Limber Place; Buyer: Ki Tribbett; Seller: Edward J. Mcfall; $172,500 • 1902 Dotsero Ave.; Buyer: Michael & Kimberly Doran; Seller: Jared & Jennifer Smiddy; $190,000
• 6304 Spring Valley Road; Buyer: Joseph Beringer; Seller: Margaret L. Wick; $318,500
Timnath
• 505 Crescent Dr.; Buyer: Craig & Valerie Dawson; Seller: Douglas & Sandra Bocek; $190,000
• 5337 Wishing Well Dr.; Buyer: Patrick & Katherine Hall; Seller: Angel & Steve Gallegos; $353,500
• 1256 Baretta Dr.; Buyer: Edwin Washle; Seller: Dorothy E. Tucker; $198,900
Wellington • 8400 Three Silos Dr.; Buyer: Nicholas Seward; Seller: & Kimber Geoffrey; $191,000
Windsor • 5386 Promontory Circle; Buyer: Nancy Piper; Seller: Richard & Sara Bielecki; $417,000
Three units, leased this afternoon. Including the mom and her daughter who just love their new playground. The key to signing these perfect prospects? Your listings on Apartments.com, where innovative consumer marketing attracts just the right renters – and delivers them straight to your door.
To find your perfect fit, visit us online or call (888) 658-RENT. ©2012 Classified Ventures, LLC. All rights reserved.
M E D I A
G R O U P
USE N HO M OPE T. 1-3P SA
5989 SAND CHERRY LANE TIMNATH WELCOME HOME!
Immaculate, move-in ready home with 4 bdrms, 3 baths, and unobstructed views! Main floor master with 5 piece private bath, formal dining area, toasty fireplace, cool Central A/C, vaulted ceilings, 42” cabinets and a granite counter top island. Heated oversized garage and open space too! $362,900
FC-0000386375
• 3427 Foster Place; Buyer: Jamie Bolton; Seller: Ryan & Kimberly Martin; $234,000
• 550 10th St.; Buyer: Craig & Vicki Wilson; Seller: Weichel Irrevocable Trust; $150,000
• 3718 Higgins St.; Buyer: Ann Dorwart; Seller: Douglas & Marty Marion; $237,900
• 37058 Soaring Eagle Circle; Buyer: Bradley & Anne Zabel; Seller: Jimmy & Cynthia Hall; $520,000
• 4037 Trinidad Dr.; Buyer: Sylvia Hickenlooper; Seller: Rg Options LLC; $225,000
An advertising supplement serving Northern Colorado | www.coloradoan.com/homes
John Narum 970-488-0215 www.century21humpal.com
#!0. *-(&% )$"& ,-' )$"&+/45EC:CCC @ %&# I8JECBE
%(&0 3,/2*$,/ ".#/1 !.,' ".++-)* ;97K=AAA ? '*! I0F55//
*H;KG. J ;KG>F: GD1, )> D0",: -H00 +, !;.K: ?GH>.1K 36K=<1,A E!72B!": ."6, )GG> G-9 +=1A 'H?1 F">7: GHK7GG> +>1D0"=1/ $1>-1=K -".60F 1,K1>K"6,.1,K <G.1/ $#( ;=<GG0;/
%M #(>+J2<1 *J&: C. EM6@1G2E>G:< CJG:2 D(:C13 ,6E2":G &(G>+:M C. -2JM(G:= G64):M< J441= LJ24 >J@(M:G2B3 %4:M 8662 4$JM= +J2<) C66< H @E($G)(M1 -J$62:3
"'$$ (%# !'))&# !'#"$(!"$%&$
*'$$ ('+!' )%##&!" '&#!$$$!"#$%
$"6. ,062 3/42+2/42/'1! ,#/24 8 ,+2*"'24 7 -)95%%(5&--9
$"6. ,062 3/42+2/42/'1! ,#/24 8 ,+2*"'24 7 -)95%%(5&--9