The Oklahoman Real Estate

HOUSE PLAN

LISTING OF THE WEEK

Like the looks

Nichols Hills living

Varied roof lines and a charming wraparound porch give the Elsberry such an intriguing appearance that you can’t help but take a second look.

The Listing of the Week is a traditional home with pool and hot tub complemented by a new outdoor kitchen in Nichols Hills.

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REAL ESTATE

Mi-Ling Stone Poole

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THE OKLAHOMAN | NEWSOK.COM

SATURDAY, FEBRUARY 26, 2011

ASK MI-LING

COLUMN COMING TO END Today is Mi-Ling Stone Poole’s last column in The Oklahoman. She takes inspiration from the late singer-songwriter Nina Simone: “It’s a new dawn, it’s a new day, and I’m feeling good.”

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IN BRIEF GET FURNACES INSPECTED

Steve Mann, auctioneer, 2011 president of the Oklahoma City Metro Association of Realtors and associate with Paradigm AdvantEdge Real Estate, shows the dining area of a home he has listed at 4212 Old Copper Creek Road in Moore.

PHOTOS BY STEVE SISNEY, THE OKLAHOMAN

Realtors leader is working to help all in the business

BY DYRINDA TYSON Special Correspondent dyrinda@gmail.com

MOORE — In a career that’s seen the highest highs and the lowest lows in Oklahoma’s real estate scene, Steve Mann has often put his head down and simply marched on.

“There was some time there in the early ’70s where we had a little recession,” he recalled, “and I was telling Dad, ‘I’m not making the sales that I was

making.’ And he said, ‘Son, we’re in a recession.’ ” Now, standing in the kitchen of an airy south Moore home near SW 34 and Broadway, its back windows overlooking where pasture meets sky, Mann shrugged.

“I didn’t really understand what a recession was, so I just kept working, and good things kept happening,” he said. “And that’s what the real estate SEE PRESIDENT, PAGE 2F

Q: I’m constantly telling my daughter she needs to have her gas furnace serviced every year.

She disagrees with me. Who’s right?

A: Most heating contractors recommend yearly inspections and maintenance, particularly with newer furnaces.

They’re more sensitive than older models and are designed to shut down when certain problems arise so the furnace won’t be damaged.

The nonprofit American Council for an Energy Efficient Economy, however, says servicing every other year is sufficient for natural-gas furnaces. Don’t wait longer than two years between gas furnace inspections, however. Technicians can spot and correct problems that cause your furnace to run less efficiently or wear out faster, both of which will cost you money. They also can discover combustion and venting problems that can lead to the production of carbon monoxide, which can cost you your life.

Steve Mann has this home listed at 4212 Old Copper Creek Road in Moore.

Get ready to pay more for mortgages WASHINGTON, D.C. —

Fixed 30-year mortgage rates at 5 percent? Minimum down payments below 5 percent? Jumbosize home loans for highcost markets at regular interest rates?

Kiss them goodbye — possibly sooner than you might guess.

Take a snapshot of today’s mortgage market conditions and frame it.

It’s highly likely you’ll never see anything like these favorable combinations of rates and terms again.

That’s the inescapable conclusion emerging from the Obama administration’s “white paper” on optional remedies for the two ailing giants of housing finance — Fannie Mae and Freddie Mac — along with events already under way in the national economy.

The administration’s long-delayed housing report, released Feb. 11, drew a mix of catcalls and mild applause. Apartment

Kenneth Harney THE NATION’S HOUSING

developers praised the report’s emphasis on expanding opportunities for people to rent their housing as opposed to the idea that homeownership is something for everybody.

Big banks and their allies in Congress welcomed the prospect that Fannie Mae and Freddie Mac — which together account for about 60 percent of the mortgage market but have cost taxpayers a net $150 billion in bailout money in the past three years — will be heading into oblivion.

Consumer and real estate industry groups lamented the phaseout of Fannie and Freddie, both

of which — despite their recent crashes — supplied steady streams of mortgage money for decades.

The report offered not only options for Congress to consider in winding down the two companies but also recommendations on “transition” measures to achieve a smaller federal footprint in the mortgage market.

Some of the transitional steps require no congressional approval and thus are likely to affect borrowers and homebuyers in the months immediately ahead.

Factor these changes into your timing for any loan application or purchase you’re contemplating this year: Higher insurance fees on Federal Housing Administration-backed mortgages — another quarter of a percentage point on annual premiums. That’s vitally important to consumers with moderate incomes and

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assets, especially in minority communities where FHA loans are the dominant route to homeownership. The report also hints at a possible increase in minimum down payments for FHA — currently just 3.5 percent — but provided no specifics. Congressional approval would be required for any change.

Significant reductions in maximum loan amounts later this year for FHA and conventional loans eligible for purchase

by Fannie or Freddie, unless Congress votes to retain the current statutory $729,750 limit for high-cost areas before its expiration Oct. 1. Loans above each local market’s limit — whatever the reduced ceiling turns out to be — will be considered jumbos and come with higher interest rates from private lenders.

Raising the fees Fannie Mae and Freddie Mac charge lenders to guaran-

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tee pools of their mortgages for resale to bond investors. Lenders will automatically pass those on to borrowers as a cost of doing business. The report also calls for raising down payment requirements at Fannie Mae and Freddie Mac to 10 percent.

Retaining the controversial and costly add-on fees now charged by Fannie Mae and Freddie Mac that can increase the expense of obtaining even a moderate-size mortgage by thousands of dollars.

These add-ons now extend to applicants with FICO credit scores of 800 and above who are making substantial down payments. The white paper actually applauded the imposition of these fees, calling them one of several “first steps” on the path to weaning consumers off reliance on Fannie and Freddie for

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SEE HOUSING, PAGE 2F

STAR LIGHT, STAR BRIGHT BlissLights let you create an illusion of starlight in your home or yard. BlissLights are projectors that create either moving or static pinpoints of laser light in a room or an outdoor space. Just plug in the projector and point it where you want the stars to appear. The light is safe enough even for use in children’s bedrooms, the company says. The projectors can be ordered at www.bliss lights.com. Prices start at $199.

MCCLATCHY-TRIBUNE INFORMATION SERVICES

INDEX Handy@Home Stone Smart Moves Permits

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THE OKLAHOMAN

SATURDAY, FEBRUARY 26, 2011

THE OKLAHOMAN | NEWSOK.COM

President: Technology is rewriting the real estate rules Built-in shelves and cabinets add storage space to an already spacious master closet in the home at 4212 Old Copper Creek Road.

FROM PAGE 1F

business has always been about: It is what you make of it.”

Mann, newly minted president of the Oklahoma City Metro Association of Realtors, is overseeing efforts to help all real estate professionals make the best of it as well. Association employees are making a concerted effort to reach out to Realtors large and small, both in person and on the phone, he said.

“In fact, we’ve already had a breakfast for some of our small brokers, and it was really interesting because they felt like they were getting good contact from us, good products from us,” said Mann, who also is a sales associate with Paradigm AdvantEdge Real Estate.

Leapfrogging technology doesn’t make it easy, he said, “so we’re really having to stay on top of what the association members need, what they’re using of the technology and what they’re not using. It’s an interesting challenge.”

Mann, who has kept his footing in an ever-shifting marketplace, could be unusually qualified for the task.

He started young, selling lots on salary. Then he went on to get his real estate license and opened his own small agency in the 1970s. In the late ’70s, though, as the franchises moved in — “They came all at once,” as Mann put it — he saw the writing on the wall and made the leap himself, buying into the first Realty World franchise in Oklahoma.

Then in the mid-1980s, as the federal government began selling off the properties of insolvent lenders amid the savingsand-loan crisis, he had an epiphany.

Oklahoma law mandates everyone involved in auctioning properties hold real estate licenses, and Mann was pressed into service. He said his first night in an Oklahoma City hotel ballroom, observing the assembly line of professions moving along contracts, was an eyeopening one.

“We sold 75 houses (that night), and our whole office hadn’t seen 75 sales in the last 12 months,” he recalled. “So I thought, ‘I need to see what’s going on here.’ ” He took a keen interest

The study at 4212 Old Copper Creek Road features a hardwood floor and a distressed desk and cabinetry.

PHOTOS BY STEVE SISNEY, THE OKLAHOMAN

in the auction method of marketing and pursued it over the next decade, though he didn’t get around to becoming an auctioneer until 1996.

Whether to auction or list a property, he said, really comes down to what the seller needs.

“If the seller says, ‘I’ve got to be out of here in 60 days, I need a cash buyer at some price to relinquish my debt’ or whatever the reason is, it can be done quicker with the auction method generally,” Mann said.

Ever-changing technology, though, is rewriting many of the rules in real estate.

“The first thing we do is put that property in MLS (Multiple Listing Service) with a specific marketing plan for that individual piece of property,” Mann said.

“What it takes to sell this house may not be the same thing that it takes to draw the right buyer to the 1,000-(square)-foot house in town. So, within 48

A stone-and-brick fireplace and hefty mantel anchor the living area in the Moore home.

hours, we’re hitting 50plus websites.”

And that kind of exposure, he said, will continue to drive marketing efforts in the future. The Realtors association is working to offer that kind of help to its members.

“The majority of these young people getting into real estate business today are very well-educated, have good degrees,” he said. “They’re very, very into the technology and understand it. That’s a real advantage for them.”

Realtor also a champion auctioneer

BY DYRINDA TYSON Special Correspondent dyrinda@gmail.com

Steve Mann auctions items at a fundraiser.

PHOTO PROVIDED

Why become an auctioneer?

For Steve Mann, it was simple: “I had always wanted to.”

But the only option for training, he said, was going to a school in Missouri for a week.

“Well, I hadn’t been anywhere for a week,” he said. “So a bunch of guys got together and put up $1,000 apiece, and all these trainers and auctioneers came to Oklahoma City, and we had our own school here.”

It drew people from all across the country, he said.

Becoming his own auctioneer added a new layer to Mann’s real estate business, but it also brought him new bragging rights.

Concerned about the

dearth of younger faces in their ranks, he and his fellow auctioneers decided to get into the Oklahoma State Auctioneers Association competition. Mann came in as runner-up.

In 2004, he was game to try again, and this time he won.

“I didn’t have any idea I would. I was trying to do it to encourage these young guys,” he said. Then he laughed. “In fact, I was mentoring a young guy I thought was doing real well, and I beat him.”

So it was on to the National Auctioneers Association competition, where he placed in the top 50.

“And the great thing about it is it’s not like playing in the Big 12 Championship,” Mann said of his state honor. “Once you win, you can’t enter again.

So I’m done. And I’ve got a big, gold ring to prove that I’m the champion.”

Housing: Mortgage criteria in flux FROM PAGE 1F

mortgage money.

The administration not only wants to wind down the two companies over the next several years but also to severely reduce the size of FHA’s role — cutting its market share from around 30 percent today to as low as 10 percent.

Where will the buyers who depend upon FHA today for affordable financing turn when that sharp cut has been accomplished? That’s not clear.

The white paper makes an oblique reference to a major issue bubbling on the back burner that also could push rates up: Regulators are debating what should and shouldn’t be a “qualified residential mortgage” under the terms of last year’s financial reform legislation.

Loans that are not “qualified” — in terms of down payment size and other criteria — will require extra investments by lenders when they pool them into bonds; that in turn could raise rates for nonqualified mortgages by as much as 2 to 3

percentage points.

Among the proposals: Make 20 percent to 30 percent down payments the minimum to meet the “qualified” test. The worst-case scenario: If you only have money for a small down payment, you’ll be charged significantly higher rates.

Bottom line: Get ready to pay more for mortgages, no matter what ultimately happens to Fannie and Freddie.

E-mail Ken Harney at kenharney@earthlink.net.

WASHINGTON POST WRITERS GROUP

REAL ESTATE

THE OKLAHOMAN | NEWSOK.COM

SATURDAY, FEBRUARY 26, 2011

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End to column points to new beginning With every season comes change, and with this column I have chosen to close the chapter on my weekly design column in The Oklahoman.

For more than seven years, I have been answering design questions and giving cost-saving decorating advice to my readers in Oklahoma and across the country.

Writing this column has given me the opportunity to inspire many of you to take on new projects and to pull design inspiration from your daily lives while saving money.

Mi-Ling Stone Poole ASK MI-LING Through my columns, I have shown that inspiration for your next design project can be found almost anywhere. A beautiful rainbow, a colorful tie, your favorite painting or ceramic vase are all items that can give your next project a kick start.

When you open your

mind to the beauty that surrounds you, design inspiration will follow.

During this journey I’ve discovered divine design while on family vacations, eating at a restaurant or in the intricate carving of a door while waiting for a taxi in New York City.

My mission has been to give you the tools to create a comfortable space in your home that will bring you and your family comfort without having to spend a fortune. And after writing hundreds of columns, and interviewing celebrities and others about creating their

LISTING OF THE WEEK

The Listing of the Week is at 1709 Drakestone in Nichols Hills.

PHOTO PROVIDED

Home ready for good weather, outdoor living The Listing of the Week is a traditional house with pool and hot tub complemented by a new outdoor kitchen.

The 2,618-square-foot house at 1709 Drakestone in Nichols Hills has three bedrooms, 2½ baths, two living rooms, two dining areas and an attached two-car garage.

The main living room has a fireplace, ceiling fan and bookcase. The remodeled kitchen has a pantry, large granite work island and a tankless hot water system.

The home has oversized bedrooms, two

with ceiling fans. The master bedroom has a full bath. The house has upgraded windows and doors, a concrete circle drive, security system, underground sprinkler system, a covered patio and covered porch.

Built in 1951, it is listed for $489,000 with Laura Terlip of The Covington Co. For more information, call 834-0805.

Nominations for Listing of the Week are welcome. Send information on single-family homes to The Oklahoman, Richard Mize, P.O. Box 25125, Oklahoma City, OK 73125.

Nominations may be faxed to 475-3996.

Local broker’s training helps save homes from foreclosure FROM STAFF REPORTS

EDMOND — Dave Moeller, owner and managing broker of Redbud Realty & Associates in Edmond, has earned the Certified Distressed Property Expert from the Distressed Property Institute in Austin, Texas, having completed training in foreclosure avoidance with an emphasis on short sales.

A short sale, negotiated with a lender, allows a homeowner to repay a mortgage at the price that

Dave Moeller

a home sells for, even if it is lower than what is owed.

With fluctuating property values, a short sale can save some people from

Study warns of dangers in reverse mortgages

BY MCCLATCHY-TRIBUNE INFORMATION SERVICES

WASHINGTON — With demand rising for reverse mortgages, seniors are particularly at risk of being misled and should be protected by greater government oversight of the industry, according to a report by Consumers Union and two California advocacy groups.

In a struggling economy, older homeowners are turning to reverse mortgages as a way to pull money out of their homes, with the loan not coming due until the borrower dies. But the loans can come with hefty charges, including origination fees, closing costs and compounding interest on loan principal.

“Reverse mortgages are a very risky deal for borrowers who don’t understand the complicated terms of the loan and how quickly fees and interest charges can add up,” said Norma Garcia, senior staff

attorney for Consumers Union. “Reverse mortgages should only be a last resort for seniors who want to stay in their homes and have no other alternatives to supplement their income.”

The report was released

by Consumers Union, the nonprofit publisher of Consumer Reports magazine, along with California Advocates for Nursing Home Reform and the Council on Aging Silicon Valley. It warned that seniors taking out reverse mortgages risk losing their homes while they’re still alive.

The groups called for strong oversight from the new federal Consumer Financial Protection Bureau, which is being launched by Obama administration appointee Elizabeth Warren as part of financial reform legislation passed this year.

Consumers Union offers tips about reverse mortgages at www.consumers union.org.

foreclosure and bankruptcy, said Moeller, who is past president of the Oklahoma City Metro Association of Realtors.

More and more lenders are willing to consider short sales because they are less costly than foreclosures, Moeller said.

The designation “has been invaluable as I work with homeowners and lenders on complicated short sales,” he said. “It is so rewarding to be able to help families save their homes from foreclosure.”

unique spaces, I know that comfort is essential in creating a harmonious family life. A well-designed space can affect you physically, mentally and spiritually.

Many of these ideas and your questions have been featured in my book,

“Ask Mi-Ling: When You Want the Truth About Decorating,” on my radio show and in my television tips as well as online at www.mi-ling.com.

As I move on to the next item on my bucket list, I take inspiration from the late singer-

songwriter Nina Simone: “It’s a new dawn, it’s a new day, and I’m feeling good.”

Thanks for all your support and encouragement through the years.

Now go out and create your own unique comfort zone!

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REAL ESTATE

SATURDAY, FEBRUARY 26, 2011

THE OKLAHOMAN | NEWSOK.COM

Installing a new bathroom fan is a breeze From mildew in the corners to mists on the mirrors — not to mention those less-than-pleasant odors — it’s not tough to figure out when a bathroom doesn’t have adequate ventilation. Sizing and installing the right bathroom ventilation fan can make a big difference, and it’s not a tough undertaking.

How big a fan?

Ventilation fans are required by code in any bathroom that doesn’t have an operable window. But realistically, how often do you open the window while you’re showering — especially in the winter? So as a practical matter, required or not, your bathroom really needs to have a fan in it.

The first step in the process is to determine the fan’s size. You could install the typical small, noisy and generally ineffective “builder’s grade” fan, but what you really want to do is take the time to size the fan properly to the room.

The fan should be able to change the air in the room about 10 times per hour, so first you need to know the volume of air that the bathroom contains. To do that, measure the length, width and height of the room, and multiply the three numbers.

For example, if the bathroom is 8 feet by 10 feet with an 8-foot ceiling, it would contain 640 cubic feet of air (8 times 10 times 8). If you want a fan that will change that air 10 times in one hour, you would need a fan that will move 6,400 cubic feet per hour (640 cubic feet of air times 10 air changes).

However, ventilation fans are actually rated in cubic feet per minute (CFM). To make the conversion, divide your 6,400 cubic feet per hour by 60, and you’ll arrive at 106.67 CFM. You won’t find one with that exact rating, so you’ll probably end up shopping for one in the

100-to-110-CFM range.

Quiet down There are two general rules of thumb when it comes to fans: Cheap fans are noisy, and noisy fans don’t get used as often. So when you’re shopping for a new ventilation fan, plan on spending a little bit more and get one that’s quiet.

In addition to the CFM rating, the other important ventilation fan rating is noise level. This will be listed as a “sone” rating, which is a universally accepted measurement of how we recognize and perceive sound. The lower the sone rating a fan has, the quieter it is. Ideally, look for one with a rating of 1or less.

Larger fans for large rooms may have sone ratings closer to 1.5, but don’t get above that.

The final thing you’ll be looking at on your fan shopping trip is the overall appearance of the fan, which is actually just the outer trim piece. This is obviously an important consideration, but it should come second after selecting the proper size and noise levels.

Install it right Now that you’ve gone through the trouble and expense to select the best fan for your application, you want to be sure it’s installed correctly. Ventilation fans are not difficult to install, but there are definitely some things to pay attention to if you want to do the job right.

First of all, be sure the fan housing is attached securely to the ceiling joists, using screws. If you don’t install the housing correctly, or if you rely on nails for fastening, the housing can eventually work loose and begin to vibrate against the joist, adding unnecessary noise. Some larger fans come with braces that are designed to extend between two adjacent joists

Mortgage modification can turn into disaster

BY CHRIS SERRES Star Tribune

MINNEAPOLIS — Many people who sought help under a federal program created to keep them from losing their homes are instead getting saddled with huge, unexpected bills.

Thousands now face a stark choice: Go deeper into debt or foreclosure.

Lenders routinely approved short-term “trial” loan modifications that reduced payments for desperate borrowers under the umbrella of the Obama administration’s Home Affordable Modification Program. But lenders continued to count the mortgages as delinquent or in default.

Now instead of granting permanent modifications, lenders often are reinstating the original loan terms and demanding big back payments.

Through November nationwide, lenders canceled 729,109 trial modifications. Carl Christensen, a Minneapolis real estate attorney, said he is getting 15 telephone calls a week from shocked borrowers.

Patti, 51, and Scott Weddle, 57, of Harris, Minn., were ecstatic when JPMorgan Chase offered in November 2009 to cut their monthly mortgage payments by about 20 percent under a trial modification.

Patti was out of work with an injury, and the Weddles were having difficulty making ends meet.

Nearly a year later, the Weddles were told that their application for a permanent modification was denied and that they would have to pay $24,228 to bring their mortgage current and avoid foreclosure.

The Weddles insist the demand came as a shock, because they had made all their payments on time un-

der the trial modification.

JPMorgan Chase and other lenders argue that the risks are clearly disclosed to borrowers when they sign up for temporary loan modifications. Even so, many homeowners are caught by surprise.

Critics contend the loan modification program, known as HAMP, may be doing more harm than good. Many homeowners are draining their savings and incurring new loans to make the temporary payments only to end up in foreclosure anyway when they can’t afford the large, lump-sum payments demanded at the end of the process.

The trial modifications also can ruin borrowers’ credit. The reason: Many lenders classify modified mortgages as technically in default, even if borrowers make all their reduced payments on time under the trial plans. Each month these borrowers make reduced payments, they are reported as delinquent to credit bureaus.

“We’re seeing a lot of really sad stories of families who thought they were getting help only to discover they’re $20,000 or $30,000 behind and about to lose their house,” said Thomas Bloomquist, housing supervisor for LSS Financial Counseling Services in Duluth, Minn.

A spokesman for JPMorgan Chase said the risks were disclosed to the Weddles. Under the trial modification signed by the couple, JPMorgan reserved the right to terminate the plan at any point and begin foreclosure. The bank also reserved the right to determine the final amounts of unpaid interest and any other delinquent amounts.

MCCLATCHY-TRIBUNE INFORMATION SERVICES

Paul Bianchina HANDY @ HOME for additional support. If yours has those, be sure to use them. Also, fill up all the mounting holes as recommended by the manufacturer.

The fan housing will have a damper control in it, right where the exhaust duct attaches to the housing. The damper is designed to swing open when the fan’s in use, and a spring pulls it closed when the fan’s off to prevent cold air from coming back down the duct and into the room.

Be sure that the damper is installed correctly, and that the flaps are opening and closing properly, without any interference. Better fans have a gasket to minimize air leaks and to quiet down the closing of the damper, so be sure that’s in place as well.

Finally, there’s the ducting itself. First and foremost, be sure you duct the fan all the way to the outside of the house, not just into the attic. Remember, the primary job of the ventilation fan is to remove moisture, not odors, so if you don’t duct it outside, you’ll be taking all that warm, moist air and pumping it into the attic where it can severely damage framing and insulation.

Use the proper type of

ducting as recommended by the manufacturer, and in compliance with local building codes. For most installations, the best choice is smooth-wall, 4inch sheet metal ducting, which allows for quiet passage of the air through it with little or no buildup of moisture inside. To keep the fan moving as much air as possible, and to mini-

mize both noise and potential moisture traps, keep the duct run as straight as possible. Where turns are necessary, use adjustable elbows, and make the turns as gradual as you can.

Remodeling and repair questions?

E-mail Paul at paulbianchina@ inman.com. All product reviews are based on the author’s actual testing of free review samples provided by the manufacturers.

INMAN NEWS

THE OKLAHOMAN

REAL ESTATE

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Homebuyers wary of gas appliances DEAR BARRY: We have begun shopping for a home, and all the ones we see have gas appliances.

Our current home uses electricity for the stove, forced-air heat, clothes dryer and water heater.

My contractor says that gas is safe, but my wife is afraid we might blow ourselves up.

William DEAR WILLIAM: Blowing yourselves up in a home with gas fixtures is as rare as electrocuting yourself in a home that is all-electric. Either one can take place, but the likelihood is too slim to warrant fear or concern.

However, when buying a home with gas fixtures, there are two ways to protect yourself from potentially hazardous conditions.

1. Be sure to hire a qualified home inspector to evaluate the general condition and operability of the water heater, the furnace, the kitchen range, the fireplace and so on. A competent inspector will consider numerous safety related aspects of these fixtures, including fire clearances, combustion air supply, exhaust venting, gas connections, flame patterns, fixture damage, and much more.

2. Have the gas company perform a routine

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Barry Stone INSPECTOR’S IN THE HOUSE

safety evaluation of all gas-burning fixtures before you complete the purchase of the home. The gas company technician will ensure proper adjustment of the burners and will test for leaks and for carbon monoxide. A gas company inspection is advised not only when you purchase a home, but as an annual checkup procedure for ongoing home safety assurance.

Finally, be sure to place one or more carbon monoxide detectors in your new home. Unlike smoke alarms, they are not yet required in most areas but are strongly recommended. Carbon monoxide is an odorless but deadly gas.

Fortunately, it is an avoidable hazard if your home is equipped with an approved device.

The majority of homes in North America are heated by gas, rather than electricity, because gas is far more economical to use. When gas fixtures are properly installed and routinely maintained, they

There’s a note of optimism in the air about the U.S. mortgage delinquency rate.

The number of mortgages that were past due in the fourth quarter was at its lowest level since the end of 2008 — excluding homes that are already in foreclosure. Meanwhile, the number of mortgages that were one month late last quarter fell to its lowest level since the end of 2007, the Mortgage Bankers Association said.

The number of homes in foreclosure, however, rose, thanks to processing delays tied to investigations of servicers’ back-office procedures.

The percentage of total delinquencies on one- to four-unit properties was 8.22 percent in the fourth quarter, compared with 9.13 percent in the third quarter and 9.47 percent in the final quarter of 2009.

In an even better sign, the percentage of loans at least 90 days past due and in the process of foreclosure fell to 8.57 percent nationally, down from 8.7

percent in the third quarter and 9.67 percent a year ago.

“This is really a significant improvement in the underlying situation,” said Michael Fratantoni, the association’s vice president for single-family research. “We’re definitely headed in the right direction.”

In part, the improvement may be tied to the tighter loan underwriting that has become a mainstay of the housing market since 2008. Most mortgages that fall into delinquency do so within the first three years.

“We simply have a better set of loans entering the peak of the natural default cycle, and for that reason I think we’re going to continue to see a decline in the delinquency rates,” said Jay Brinkman, the Mortgage Bankers Association’s chief economist.

Also key in the unemployment rate and job creation.

“The mortgage market is going to reflect how the jobs market improves,” Brinkman said.

The trade group’s survey tracks about 88 percent of all first mortgages.

Local woman receives national recognition FROM STAFF REPORTS

The National Association of Home Builders’ Professional Women in Building Council recently named Vanessa Shadix, agency account manager for Old Republic Title Co. of Oklahoma, as its Member of the Year at the International Builders Show in Orlando, Fla. She was given the award for leadership in her profession, in her local council and the community. Shadix has been involved in several industry organizations including the Oklahoma State Home Builders Association and the Central Oklahoma Home

To write to Barry Stone, go to www.housedetective.com.

ACTION COAST PUBLISHING

Late mortgage payments fall in fourth quarter

BY MCCLATCHY-TRIBUNE INFORMATION SERVICES

are safe and trouble-free.

DEAR BARRY: My heating system is a gas forced-air furnace, installed in the attic. It works but one thing about it is annoying. When I turn off the thermostat, I want the thing to turn off.

But it keeps on blowing for several minutes. Who should I call to fix this, the gas company or a heating contractor?

Matilda DEAR MATILDA: Your furnace operates as it should. From what you describe, no repairs are needed. If the blower turned off immediately, you would definitely have a problem. Here’s the way the system works: When you turn on your thermostat, the burner in your furnace ignites, but the blower remains off until the interior of the furnace becomes sufficiently heated — usually about 150 degrees. The burner remains on until your home is sufficiently heated or until you turn down the thermostat.

However, when the flame goes out, the blower remains on until the inside of the furnace is sufficiently cooled. This helps to prolong the longevity of internal components.

Vanessa Shadix

Builders Association.

She has received several awards, including the local builders’ Affiliate of the Year and state builders’ Woman of the Year. She also is a member of the Oklahoma Land Title Association and the Oklahoma Mortgage Bankers Association.

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REAL ESTATE

SATURDAY, FEBRUARY 26, 2011

THE OKLAHOMAN | NEWSOK.COM

Don’t buy until you have a will in place

HOUSE PLAN

Are you in a second marriage that inAlthough several books and websites volves two sets of children? And are you encourage consumers to create their own planning to buy a home with your present wills and trusts, Simon said that those spouse? If so, even before buying the who do so risk making mistakes their surproperty, you may wish to develop a legally vivors could live to regret. viable plan to ensure that all the offspring Charles Abell, an estate-planning atreceive their fair share of the real estate torney affiliated with the American Col(and other assets) after you die. lege of Trust and Estate Counsel, said “If you don’t have a will there’s no such thing as a in place, the courts get to “one size fits all” estate decide what happens to all plan, even for moderate- to Ellen your stuff. In that situamiddle-income people.

James tion, the division of your And because the laws govMartin assets can turn out to be erning probate differ from very different from what state to state, he said it’s you had in mind,” said Eric critical you choose an atTyson, a personal finance SMART MOVES torney licensed to practice expert and author of “Let’s in your state.

Find a lawyer through personal recGet Real About Money.”

Many people assume that estate plan- ommendations.

Obviously, anyone can find an attorney ning is just for the wealthy. But even those with limited assets should get their inten- through the local bar association. But tions down on paper before making a ma- you’re usually better off asking for recomjor financial move, such as buying a home, mendations from friends, relatives or prosaid Lynn Meyers, a longtime estate plan- fessional contacts such as your accountant, said Patricia Annino, an attorney in ning attorney.

“It’s very, very important to have an es- the field and author of “Women and Montate adviser, particularly if you’re in a ey: A Practical Guide to Estate Planning.”

Tyson cautions consumers against blended family,” said Meyers, who’s affiliated with the American College of Trust choosing an estate-planning specialist and Estate Counsel (www.actec.org.), an based solely on advertising. He also urges organization of lawyers who specialize in people to avoid picking a lawyer who offers them “free food or other freebies” to estate planning.

Before you buy a home with your sec- participate in an estate-planning seminar.

“Although they don’t say so, many ond spouse, Meyers said you’ll want to discuss your intentions on how equity in times these lawyers are really trying to sell that property will be divided upon your you high-priced annuities or insurance death. For instance, the two of you should products,” Tyson said.

Contain your legal fees by educatdecide whether you want your spouse to inherit the property in its entirety or ing yourself.

Tyson said there are several ways to limwhether you want it to pass on to your it your legal fees and still get a good estate children.

Denis Clifford, an attorney specializing plan that will safeguard your intentions in estate planning, said the key goal of a relative to the inheritance of your assets. good estate plan is to ensure that your One way is to find a lawyer who will give wishes are carried out after your death and you a firm, upfront estimate on the cost of doing your plan. He also suggests “you in accord with state law.

“After you die, you don’t want your buy a good book or two on the topic.”

Before your first visit to the lawyer’s ofchildren to miss getting the equity from your home just because your plan was fice, assemble a list of all the assets you done wrong,” said Clifford, the author of own — or soon expect to own — individually or in combination with your spouse, “Plan Your Estate.”

Although a relatively simple will is suf- he advised. Also, discuss with your spouse ficient for many couples, Clifford said how you want your estate to be handled.

Don’t put off estate planning. those with children from a previous marMany Americans lack even simple wills, riage may wish to establish a “living trust” to help ensure that their estate is settled which can put a burden on their survivors and allow court administrators — rather smoothly and fairly after they die.

Here are pointers for couples in blended than their families — to make decisions on families who want to create an estate plan the disposition of their assets, including real estate. The absence of a will also can before a joint property purchase: Recognize the need for expert ad- spark disputes among survivors.

Annino urges people to watch out for vice.

Jordan Simon, an investment manager emotions that could cause them to avoid and the co-author of “Estate Planning for moving forward with at least a simple will.

“Don’t let your fears about mortality Dummies,” strongly advises people who want an estate plan to hire an attorney to keep you from completing this important help ensure they get solid advice. This is step,” she said. particularly important if they have chil- To contact Ellen James Martin, e-mail her at ellenjames dren from a previous marriage and plan to martin@gmail.com. buy real estate with their new partner.

UNIVERSAL UCLICK

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Elsberry perfect home for smaller families Varied roof lines and a charming wraparound porch give the Elsberry such an intriguing appearance that you can’t help but take a second look.

Most interesting, perhaps, is the hidden sun deck, recessed into the roof of the covered front porch. A French door links this sunny space to the vaulted owners’ suite on the second floor.

This small home is particularly well suited to the needs of a couple, single, empty nesters, or a small family. It also lends itself to construction as a vacation getaway. The wide rear deck and front porch provide plenty of space for appreciating the outdoors.

Entering, you step directly into the heart of the home. It’s mere steps to the kitchen, and your panoramic view encompasses the living room, dining room and deck. Standing in the kitchen, you’ve got that same great view, though a flush eating and conversation bar does provide some separation.

Ceilings are high and vaulted in the living room and dining room. Sunlight washes in through wide rear windows, and a circular fireplace radiates warmth and color on gray days. Sliders in the dining area access the rear deck, and double doors open into the den.

The main bathroom has two entries.

You can get there from the den, or from a hallway on the other side that runs past a bedroom (or study), and a utility room with a handy exterior access. This feature enables it to double as a mud room, when needed.

Another vaulted ceiling adds volume to the Elsberry’s owners’ suite upstairs. In addition to its concealed deck, this large space has a roomy walk-in closet, oversized shower with seat, double vanity and private toilet.

For a review plan, including scaled floor plans, elevations, section and artist’s conception, send $25 to Associated Designs, 1100 Jacobs Drive, Eugene, OR, 97402. Please specify the Elsberry 30-265 and include a return address when ordering. For more information, call (800) 634-0123.

Russell Jones named sales associate for RE/MAX YUKON — Russell Jones has joined RE/MAX Twin Rivers, 520 Pointe Parkway Blvd., as a residential real estate sales associate.

He has more than 10 years of experience in marketing and sales management. He graduated from Mustang High School in 1990 and attended the University of Oklahoma.

He lived and worked in California before moving back to Oklahoma in 2009 with his family.

Russell Jones

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THE OKLAHOMAN

NEWSOK.COM

SATURDAY, FEBRUARY 26, 2011

7F

8F

REAL ESTATE

SATURDAY, FEBRUARY 26, 2011

THE OKLAHOMAN | NEWSOK.COM

JPMorgan to make amends with military clients

BY THE ASSOCIATED PRESS

JPMorgan Chase & Co. has announced new programs geared toward military customers and veterans and apologized for overcharging thousands of active-duty service members on mortgages and improperly foreclosing on more than a dozen.

The steps include a program making certain military personnel eligible for reduced-rate mortgages; enhancing a mortgage modification program for personnel who are having trouble making payments; and a pledge not to foreclose on any active personnel while they’re deployed.

JPMorgan Chase Chairman and CEO Jamie Dimon said those programs and other initiatives “are a start, but in no way a finish” to address the bank’s recent missteps involving military clients.

“This company has a great history of honoring military and veterans, and the mistakes we made on military foreclosures are a painful aberration on that track record,” Dimon said in a news release.

“We deeply apologize to our military customers and their families for these mistakes. We cannot undo them, but we can take accountability for them, fix them and learn from them.”

The New York-based company admit-

Pedestrians are reflected in the granite sign wall at the JP Morgan Chase building in New York. JPMorgan Chase & Co. announced new programs geared toward military customers and veterans, and apologized for overcharging thousands of active-duty service members on mortgages and improperly foreclosing on more than a dozen. AP PHOTO

ted the mistakes last month, including breaking a law that limits fees and interest charged to active-duty service members.

Service members on active duty can’t be charged more than 6 percent for most debts that they incur before they are de-

ployed. Their homes can’t be foreclosed on until after they return from active duty.

On Feb. 1, the head of a new government office charged with protecting military personnel from financial tricks and traps wrote CEOs of the 25 biggest mortgage banks. In the letters, Holly Petraeus said the CEOs needed to make sure their employees understand military legal protections. Petraeus heads the Office of Servicemember Affairs within the government’s new Consumer Financial Protection Bureau.

Her letter came after the violations involving mortgage rates and foreclosures were reported by NBC News.

Here’s a look at some of the steps JPMorgan announced: Mortgage rate reductions. Beginning April 1, Chase Home Lending, the bank’s mortgage business, will implement a rebate or similar program for military personnel protected by pricing caps under the Servicemembers Civil Relief Act. Eligible borrowers may have their mortgage rate reduced to 4 percent while on active duty, and for a year afterward. That maximum rate is 2 percentage points lower than the 6 percent rate current required under the act.

Loan modifications. In April, Chase will enhance a program to modify mort-

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gage terms for military borrowers who are delinquent or having trouble making payments. The program is open to all members of the military who have served on active duty as far back as Sept. 11, 2001.

The program will go beyond the requirements of the government’s current mortgage modification initiative, the Home Affordable Modification Program.

Home ownership assistance. The bank said Chase will not foreclose on any currently deployed active military personnel. The change goes beyond current requirements of the Servicemembers Civil Relief Act. Those requirements protect military borrowers against foreclosure only if they took out their loans before going on active duty. Chase also will donate 1,000 homes to military and veterans over the next five years through nonprofit partners. By the end of this year, Chase will open five new homeownership service centers in cities near the following military bases: Fort Hood, in Texas; Naval Station Norfolk, in Virginia; Fort Bragg/ Pope Air Force Base, in North Carolina; Camp Lejeune, in North Carolina; and Fort Campbell, in Kentucky.

Veterans jobs. JPMorgan will form an alliance with other corporations to commit to hiring 100,000 military and veterans over the next 10 years.

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Big names sell big homes in Los-Angeles area

BY LAUREN BEALE Los Angeles Times

Actress Winona Ryder has sold her Sunset Striparea home for $3,725,000, the Multiple Listing Service shows.

The Spanish-style house, built in 1936, sits behind a thick hedge of ficus trees on a third of an acre. Bougainvillea and wisteria cover the entrance and balconies of the 3,765square-foot villa.

Original features include the Malibu tiles, the curved staircase and the art deco bathrooms.

The kitchen and break-

Actress Winona Ryder has sold her Los Angeles home near the Sunset Strip for $3,725,000.

MCCLATCHY-TRIBUNE PHOTO

fast room open to a patio area and the swimming pool. The living room picture windows and pub

overlook the front yard.

There are four bedrooms and four bathrooms.

After starring in “Edward Scissorhands” (1990), “Little Women” (1994) and “Girl, Interrupted” (1999), Ryder, 39, returned to the spotlight in last year’s “Black Swan” and the TV movie “When Love Is Not Enough: The Lois Wilson Story” and “Star Trek” (2009).

She bought the property in 1998 for $2.6 million, public records show.

Gore Vidal Prolific author and playwright Gore Vidal has list-

ed his Sunset Strip-area home for $3,495,000.

The 1929 Mediterranean villa has 4,782 square feet and features a living room with an oversize fireplace, a meditation room, a music room and an office.

The main house has two en suite bedrooms and two staff or guest rooms. Including a separate guesthouse, the property has a total of five bedrooms and five bathrooms.

The nearly half-acre of landscaped grounds contain a swimming pool, multiple patios and a koi fountain.

Vidal, 85, wrote “The

City and the Pillar” (1948), “Julian” (1964) and “Lincoln” (1984). His Broadway hits include “The Best Man” and “Visit to a Small Planet.”

He bought the house in 1977 for $149,500, according to public records.

Ken Norton Jr. Former NFL linebacker Ken Norton Jr. and his wife, Angela, have sold their Marina del Rey home for $1,999,000.

The four-level contemporary home was built in 2000 and features an elevator, a media room and a top-floor gym. Five bed-

rooms and six bathrooms are contained in 5,800 square feet of living space.

Norton, 44, played for the Dallas Cowboys (19881993) and the San Francisco 49ers (1994-2000). His father is a former heavyweight boxing champion.

The couple sold because Norton, who coached at the University of Southern California, is now the linebackers coach for the Seattle Seahawks.

The house previously sold in 2001 for $1.55 million, according to Trulia. com.

MCCLATCHY-TRIBUNE INFORMATION SERVICES

REAL ESTATE

THE OKLAHOMAN | NEWSOK.COM

SATURDAY, FEBRUARY 26, 2011

9F

Flip the switch on your lighting knowledge

BY SHIRLEY ALLEN

DID YOU KNOW?

McClatchy News Services

Thank you, Thomas Edison, for inventing the lightbulb.

We all benefit daily from them. This brilliant invention has changed our lives.

We can read through the night, perform tasks, safely travel the streets, see using vehicle headlights, enjoy movies with projection lamps and enhance our artwork.

The two most common types of bulbs are incandescent and fluorescent.

Incandescent bulbs glow when electric current passes through a filament. All lamps with a filament are considered incandescent even when they are modified with gasses such as halogen, krypton and xenon.

Fluorescent bulbs produce light when an electric arc passes between cathodes, exciting mercury and other gasses and producing radiant energy. Phosphor coatings convert energy into visible light. The compact fluorescent has been promoted as energysaving, low heat and longlasting. The ballast for the compact fluorescent is below the lamp and above the threaded base, increasing heat, which shortens the lamp life. Remember that fluorescent bulbs cannot start in cold weather.

All fluorescent lamps contain mercury and need to be thoughtfully discarded. If they break, open the windows and pick up the residue with tape. Do not contaminate your vacuum cleaner.

Lighting color is described using the Kelvin

Lightbulb letters Bulbs have a letter designation for each shape and a number that indicates the diameter of the lamp in the largest part.

A — typical-shape Edison, or standard screw base.

B — candelabra torpedo shape.

CFL — compact fluorescent often coiled with a standard screw base.

R — reflector.

MR — satellite-dish shape with a variety of base designs.

PAR — reflector-shaped with Pyrex lens, usually halogen.

T, without a number — typically Halogen double-ended 79 mm or 118 mm long.

T, with a number — tube-shaped with a variety of base sizes.

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A 100-watt incandescent lightbulb is shown at Royal Lighting in Los Angeles. Incandescent bulbs glow when electric current passes through a filament.

AP FILE PHOTO

rating. This is based on our perception of how cool or warm the light appears.

Use 2700 kelvins, or warm white, in homes, counseling offices and restaurants.

Use 3000 kelvins, or soft white, a peachy source almost like incandescent in home furnishing stores, houses and waiting rooms.

Use 3500 kelvins in the midlevel of warm to cool in commercial, retail stores and offices. This color temperature is terrific, especially when used with a silver parabolic lens that brightens the flatness of fluorescent light.

Use 4100 kelvins, or cool white, only if you want the feeling of an ice palace.

This is the color temperature that is duplicated on an overcast day in the winter.

Investor/Handyman Special 3 bd, 1 ba ¡ $23,500 OBO 826-5129 or 799-7508

NEW LISTING 7216 Walnut Creek 3bd 2ba some updates $129,000 Marian 850-7654 Cleaton & Assoc 373-2494 3/2/2, fp, office/media room, PC Schools, must see! 5929 NW 71st, $129,900, $3K closing assistance, 330-1880.

1N to 10A, E. of OKC, pay out dn. before 1st pmt. starts, many are M/H ready over 400 choices, lg trees, some with ponds, TERMS Milburn o/a 275-1695 paulmilburnacreages.com Land For Sale Logan County HWY 77 Frontage.

Pond and wildlife for great hunting. M-O schools. 31.6 ac., $83,000 Call Tom @ 405-417-1042 OWNER FINANCING 1-28 Acres Many Locations Call for maps 405-273-5777 www.property4sale.com Payout dn pmt before 1st pmt starts. Your opportunity to own land, 40 areas, E, NE, SE of OKC 1N A. Milburn o/a 275-1695 terms PRIME BUILDING SITES -PIEDMONT Eastwind Estates II, 3/4 and 1 Acre lots, Leon 373-4820 OVERLAND EX REALTY PIEDMONT -1 AC corner lot Eastwind Estates choose blder $42,000 Marian 850-7654 Cleaton & Assoc 373-2494 2.5 acres Bridge Creek area, rural water, owner finance, low down.

899-4220 Call for Maps! See why we sell more acreages than anyone in Okla.

E of OKC. o/a 275-1695 2K A Tuttle Area $18,950 $1450Dn $187 Mo @7O % 18mi SWofOKC 745-5889 BANK OWNED updated 3/2 2 liv, 1812sf, brk, 28 acres $89.9KArleneCB 414-8753

Homes For Sale

309.9

Sharp 1500+ sf 3bd 1O ba 2 living, ch/a, corner lot, excellent cond $104,900 Fidelity 692-1661 410-4300 OWNER FINANCING $2000 down No Credit Ck 522 E Douglas Dr 2/1, $49k ¡ 596-4599, 410-8840 ¡ OWNER CARRY, 3 bd, 1 ba, 1 car, ch&a, remodeled, 1301 McGregor, $3K down, 348-2108.

Spacious completely remodeled 3bd 2ba 2car on cul-de-sac lot, new roof & carpet, new light fixtures, fp, Greenbriar Eastlake, Westmoore Schls, only $129,900. Fidelity RE 410-4200, 692-1661 504 Pinewood Drive Beautiful remodeled 3bd 2ba; $115,000 Open House Sunday 2-4pm BANK OWNED 3/2/2, 2 liv, 1600sf, corner lot, brick $99,900 ArleneCB 414-8753

PIEDMONT OPEN SUN 2-4 Northwood Lake 14401 Westlake Dr 3/2/2 ON 1.25 AC mol approx 2132' access to private lake. $195,000 Carmen 833-0106 Cleaton & Assoc 373-2494 Moore: Open Sun. 2-4, 1617 NE 6th Terrace. 3 bd, 1.5 ba, 2 living areas, 1296 sf, $97,500. Remodeled & move in ready.

405-206-2055, KOGRE.

2 Lots of Land + Ext Gar/ Ovrsizd Shed Zoned Residential, $9995, 230-7343

3/2/2, PC Schools, new carpet & paint, 8429 NW 91st, $89,900, $3K closing assistance, 330-1880.

Open Sat / Sun 2-4 8212 NW 68th Place River Bend Lake Home 2-4 Sun 5017 Quapah Ave Near Deac., 2/1 + Conv. rm 1267 sf, $85,500 408-1792

4bed Executive home, Westmoore schls, corner lot, 2.5ba 2car garage, 2 dining areas, excellent condition. Great area! $175,000 Fidelity RE 410-4200, 692-1661 OWNER FINANCING $2000 down No Credit Ck 3817 SW 38 3/1, $48,000 3260 SW 47, $500 down 524 SW 26 $500 down ¡ 596-4599, 410-8840 ¡ SALE/RENT TO OWN $145K, 1939sf, 3/2/2. 1/4 AC. 16 SW 102. WestMoore Schools 401-0139 Sharp 3bd, 2 living areas, 2ba, nice area, great cond Only $85,000 Fidelity RE 410-4200, 692-1661

PIEDMONT OPEN SAT 2-4 & SUN 2-5. Model home. New hms on 1/2 ac lots. Info also available for new hms in other additions. From NW Expwy & Sara Rd go 4.5 mi N Cleaton & Assoc 373-2494.

PIEDMONT OPEN SUN 2-4 Northwood Lake 14401 Westlake Dr 3/2/2 ON 1.25 AC mol approx 2132' access to private lake. $195,000 Carmen 833-0106 Cleaton & Assoc 373-2494 5215 HART DR NE 5Ac 5Bd, 3K Ba, 2 Lg Liv areas. 3900 Sqft + Many Updates. Pipe & Cable fence $375K Leon 373-4820 Overland Ex Realty, Inc NEW HOME 1 ac 4/3/3 approx 2500' $265,000 call Marian for more details 850-7654 Cleaton & Assoc 373-2494 NEW HOME 1/2 ac 3/2.5/3 open flr plan $216,800 call Marian for more details 850-7654 Cleaton & Assoc 373-2494

Move Your Mobile Hm FREE. 9 OKC properties to choose from, Move before 2/28 & receive $100 lot rent for 6 mo.

Some Conditions Apply Call Today 405.326.5728

Huge clearance sale!!

Special Program. Own Land/Family Land ZERO down. Financing avail. for most everyone. Turnkey, we do it all. 1000 Furniture package w/purchase.

Free Phone Application/ EASY.WAC 888-878-2971 405-204-4163 2X YOUR TAX REFUND Use your refund as your down & we will DOUBLE IT (SEE RULES) Bring us your w-2’s and we'll do your taxes 405-787-5004 thcok.com $5000 Towards Your DREAM HOME! + $100 lot rent for 6 months, expires 2/28 Call for Details, Some Conditions Apply No App Fee~405.326.5728 $$$ Do you think you cannot qualify for a new mobile home? Think again!! Free phone application YES YOU CAN! 405-631-7600 ’ $281mo. ’ Refurbed doublewide ready NOW! 3 bd/Island/ Decks/Shop/Fence 405-470-1330 REPO! REPO! REPO! 3bd Vinyl Sided/Shingle/ 2x6 walls. Free del/set, Financing available @$335mo. 405-787-4035 First Time Homebuyer!!

3/2 bath set up in quiet park. Ready to move in.

Free Phone Application/ EASY. WAC 405-631-7600 As low as $1250 Down Buys a New 2bd/2bth Mobile Hm $550/mo. payment in Quiet Park No App Fee~405.326.5728 Abandoned D/W set up w/ 4.5 acres. Brick foundation, driveway &all improvements Read to move in. WAC 405-631-7600 405-635-4338 2 Bd 2 Ba MH $1500. You Move.

405-243-3657

Priced for quick sell 3/2/2 1577sf, blt '95, .26 acres $114K Arlene CB 414-8753

PIEDMONT OPEN SAT 2-4 & SUN 2-5. Model home. New hms on 1/2 ac lots. Info also available for new hms in other additions. From NW Expwy & Sara Rd go 4.5 mi N Cleaton & Assoc 373-2494.

We Buy Used Homes!

405-476-5599 Leave msg w/details about home **NEW** 1216 sq ft $25,995 - 1 only Maxeys Homes 631-3600 Repo 16x80 3bd 2ba 301-2454 517-5000 Doublewide 3x2 $19,900 301-2454 517-5000 10 acres 2200sf Repo 301-2454 517-5000

Use 5000 kelvins in hospitals, laboratories and doctors offices where a crisp light is needed.

Use 6500 kelvins, the bluest, in jewelry and accessory stores.

For accent lighting, torcheres and task lighting, use halogen bulbs that provide high contrast, a brilliant color that duplicates sunlight. They provide more light than a typical incandescent. To preserve their longer life, protect the quartz casing from the skin oil on your hands, which will change the tension and cause a shorter lamp life. During installation, use a glove or a thin foam pad.

The tungsten redeposits onto the filament and is considered a self-cleaning bulb when the bulb is burned at full power. If the

bulb is dimmed often, operate at full power occasionally to extend lamp life.

Halogen bulbs usually cost more but give more light per watt of energy used, last longer and enhance color. They are a bargain.

But I do not use halogen reflectors in walkways; they seem like interrogation lights and cast shadows on your face. Halogen bulbs are wonderful over work surfaces, coffee tables, dining tables and to directionally light artwork.

Xenon gas lamps burn cooler than halogen but the light they produce tends to be blue. The bluetinted headlights you see at night are xenon. They have an average lamp life of 2,000 hours like halogen.

Make sure you use the

recommended wattage.

But if you always dim a lamp, start with a lower wattage. The more you dim a bulb, the more yellow the light becomes.

We use bulbs designed for traffic signals in exterior fixtures. They are rated for 9,000 hours of service. A typical grocery store “A” lamp is rated at 750 hours.

Know that 120-volt and 12-volt bulbs are not inter-

Office Space For Rent Rent to Own: Nice 2&3bd MWC $350&up 390-9777

Attention: Timberbrooke Professional Center 925 NW 164th Street, Suite B. Business space for lease. 2500 sq. foot. $2,250.00 per month.

Contact Marci Acosta, M-F, 8 a.m. to 5 p.m.

405-330-5544

Angel Fire: Sell or possible exchange for house and/or acreage in N. Okc area. A.F. property is 3100sf, 3 garages, 2.5 baths, hot tub, 3 redwood decks, 1 ac +, $450,000 405-285-1366

For Lease-NEW BEAUTIFUL 1 room office with Reception-Showroom area and rear storage room. Pole mounted sign included.

2429 N. Council. $300 month. 370-0759

Trade your place in Moore /Norman area for mine, 3 blks f/ beach in Florida butler659@comcast.net

GREAT Space OFFICE

SHERIFF'S SALE 11800 Barton Drive 3 bedroom, 2 baths, nice neighborhood, sells 3/10/11, 2PM, room 503, Oklahoma County Court House Annex. Appraisal $83,400. Contact Frank W Davis, Attorney, 282-1420.

Warehouse Space For Rent

Business Property For Rent Small Business/Storage 1250sqft, 28Wx50L, 14x14 O/H door, $500 month. 89th St. & I-35 S. OKC, 631-4447 New I-35 frontage bldg for rent: ofc/shop/whse, 1900sf $800mo 793-7877

$200 OFF

PARKLANE

Florence Apts-Midtown1bd 1ba Studio 600sf, Granite Counter tops, wood floors, CH/A, All Elect, Free laundry $650 $400 dep.

409-7989 Great location on N Ann Arbor, quiet complex, w/d hk ups, 1 bed/ 1 bath, move in for $100 + 1st months rent, 410-1248 or 833-7901.

CANTERBURY GARDEN MOVE IN SPECIAL Big 2 Bedroom w/ample storage, ch&a, Sec. 8 Ok. Broker 677-9116 www.hoppishomes.com

LIMITED TIME ONLY $1 FOR 1 MONTH Nicest Place in Town 416-5259 Wilshire Village

Business Property For Sale

INVESTOR BLOWOUT! 1224 NE 19th $26,900 2118 N Prospect $26,900 5021 Fairmont $59,900 Prices Neg. Kruger Inv. Jim, 235-9332 / 812-1657

405-721-5744

Lowered Rates on our spacious 1 & 2bd with washer & dryer in prime location, PC Schools.

Northridge Apts 721-0112

Commercial RE

Bank owned 18 units $350K, 4 plex near OCU $169K - 6 units hrdwd flr $225K, Income Property $200K 12% CAP, $1 MM earns $10,000 per month, Seabrooke Rlty 409-7779

MOVE IN SPECIAL 1,2,3 Bedrooms available Rent starting at $390mo Plant yourself in a community with room to bloom Village on the lake

$149 First Month Your choice, any apartment ALL BILLS PAID 293-3693 Drexel on the Park

I BUY & SELL HOUSES 27 YRS EXP 650-7667 HOMESOFOKCINC.COM

Investment Property For Sale

$199

8100 N. MacArthur Blvd. »»» 721-5455 »»»

Nice Homes Metro. Some Owner Carry 417-2176 www.homesofokcinc.com

DRY CLEANING BUSINESS 4 Locations in business 20 years $165,000 CARY 405-642-5226

405-478-3260

4801 CLASSEN BLVD 4 Room Suite $700 mo 6 Room Suite $900 mo SPECTRUM MGMT 848-9400

I BUY HOUSES Any condition. No cost to U 495-5100

Established Business For Sale

’’ Stop by for a ’’ Sweetheart of a Deal Pop a Balloon this mo. to see your savings!

2 & 3 bedrooms Starting at $599/mo OFHA & OCHA accepted.

Gateway Apartments

Washer/Dryers, Fireplaces PC Schools-Townhouses

K Office, K Warehouse for lease. Various sizes.

221 W Wilshire 842-7300

Feed/Grain Mill For Sale Harrah OK Family owned grain and feed company.

Retail - Wholesale, good revenue. $370,000 Tom 405-417-1042

Houses for rent

Various NW locations MOVE IN SPECIALS 300-6000sf 946-2516

1, 2 & 3-Room Offices $175 & up ‘ 50th & N Lincoln area 235-8080

Plaza Apts 1740 NW 17 1 bed 1 bth wood floors all electric, $500/mo $250dp 409-7989 no sec8 TOP LOCATION! Pd. wtr/garb. Near malls.

Try Plaza East 341-4813

1 & 2 BEDROOMS, QUIET! Covered Parking Great Schools! 732-1122 $200 OFF RENT 1 & 2 bedrooms. Spring Tree Apartments. 405-737-8172.

Furnished/Unfurnished Bills Paid » Wkly/Monthly Wes Chase Apts, Elk Horn Apts, Hillcrest 943-1818 MAYFAIR 50th/May 1/2bd W/D hdwd flr quiet secure ngbrhd No sec 8 947-5665

Quiet Casady!

1 Month Free

$200 off

1 & 2 BEDROOMS Furnished & Unfurnished NEWLY REMODELED GATED COMMUNITY

CAVE CREEK ON ROCKWELL 3037 North Rockwell

Furnished/Unfurnished Bills Paid » Wkly/Monthly Wes Chase Apts, Elk Horn Apts, Hillcrest 943-1818 $99 Move In Special!!!

Lg 1 and 2 Bdr, $325 to $395 mo. 632-9849 Large Eff. Fenced yard $350 a month 408-5836

Yukon

438

»»»»»»»»»»»»» » Yukon All Bills Paid » » 1 bd From $495 Move» » 2 bd From $595 In» » 3 bd From $695 Today» » Open7days/wk354-5855 » »»»»»»»»»»»»

Condominiums, Townhouses For Rent 441 NW OKC, Quiet 2 bd, 2.5 ba, all appls, most bills pd, fp, no sec 8, 720-1419

220 Barrett Place, 2/1/1, kit appls, $625 mo, no pets/section 8, 517-1222 1012 & 1014 Chowning, 2/1/1, near UCO, $620 + dep. 285-0305/823-6550

Luxury Duplexes, 1900 sq ft, 2 bedroom, 2 bath, 2 car gar. 405-227-5467

Historic Crestwood Neigborhood. 2bed, 1 ba ch&a, w/d hookup, pets ok, $650 month, $500 deposit. 2559 NW20th St. 249-3422 No Steps, Roll-in Shower, Grab Bars, Wide doors afh911.com 943-8243 Nice 1bd liv din appls 1714 N Villa $420+ref/dep 3bd, 1300sf $569 1410K NW 21 No sec 8 301-5979 $425 month $300 deposit 1 bed, 1 bath. 1911 N. Brookline. 760-7473

7301 NW 23rd

787-1620

18117EngOakLn3/2/2$1225 501 NW 174 3/2/2 $1095 604 Mary Lee Ln 3/2/2 $815 1321 Pennington 2/1/1 $695 Express Realty 844-6101 www.expressrealtyok.com

1002 Bell Dr. Immac 2/1/1, no pets/smoker $650 + dep.

705 Holoway Dr. updated for sale. 3/1.5/1 787-8099 Nice 2 bed, 1 bath, garage carport, W/D, refridge, $595 mo, 1421 Magnolia. 737-7031 1002 Bell Dr. Immac 2/1/1, no pets/smoker $650 + dep.

705 Holoway Dr. updated sale. 3/1.5/1 787-8099 1300 McDonald Dr 3bd 1ba 1car $550mo $400dep 681-7272 Rent to Own: Nice 2&3bd MWC $350&up 390-9777

Rent, Rent to Own605-5477 2bd from $395-595 3bd from $450-895 4bd from $595-995 housesforrentofokc.com 913 NW 34th, small 2 bed, 1 bath, 1 car, new ch&a, $500 month + deposit, no pets, 794-8056.

1212 N. Norman 3bd 1ba 1car 900sf $675+dep Home&RanchRlty 794-7777 Beautiful Home!!

3BD/2BA/2Car Excellent nghbhood.$980.593.1432 220 S. Norman, 3bd, 1 bath 1 car gar $695/mo 408-5836

•ABC• Affordable, Bug free, Clean » 787-7212»

2B on 1N A, rent $450 non smkr $55K carry, $5K dwn/barter 386-5278 K Off Special 6527K Avondale 2/1/1 1100sf $950mo $800dep or 6523Avondale 3bd 3.5ba 2car 2300sf $1200/mo $900dp 409-7989 no sec8

Duplexes, 3 bed, 2 bath, 2 car, some new, some gated, call Rick, 405-830-3789.

2bd, 1ba, lots of storage 1 Acre. quiet nghbrhood $525 appt only 323-8867

3bd 1ba, $625/mo, Sec 8 ok, 1219 NE 18th. Other 3,2,1 beds avail.923-7777 2301 N. Hood 3bd, 1 bath $525/month 408-5836

$100 off

Williamsburg

4 bed 2 living, 1 bath, detached garage, ch&a, 405-637-4406

Nice 2/2/1 appls, W/D. 8406 Wakefield Ave Moore Sch, $600/mo 834-6328

495-2000

First Month’s Rent LARGE TOWNHOMES & APARTMENTS • Washer, Dryers, pools • PC Schools, fireplaces

12901 NE 10th unit #1, nice 2bd mobile home, ch/a, freshly painted, only $495 Fidelity RE 410-4200, 692-1661

6200 SE 11th extra sharp 3bd brick 2ba, oversized 1 car garage, ch/a, mint condition $875 Fidelity RE 410-4200, 692-1661

1bd 1ba $295-325 Stove, fridge garage405-625-7600

3 BEDROOM MOVE IN SPECIAL $99 FIRST MONTH RENT Come see why we are almost full!! Gated community with activity center. Spacious Floorplans.

We have townhomes too. Call 619-0541.

We are open Sat & Sun from 9am-3pm

5907K NW 40th, 1 bed, 1 bath, fenced yard. No Sec 8. $450/mo 921-6981

Gated NANTUCKET Condos All appliances, 2bd, 2ba, $700 mo » 488-4951

751-8088

800 N. Meridian 1bd All bills paid 946-9506 $99 move in special Lg 1bd quiet, clean, coin lndry on site, pool $365mo 794-5595

changeable. They can look similar so check the label on the fixture for specifications. Using the wrong voltage can cause a dramatic bulb failure and often the small bulbs are not labeled.

A lighting designer can help select the color, the level and amount of light, and the focus to enhance your rooms. Remember lighting is as much about perception as it is science.

$99 SPECIAL Lg 1bdr, stove, refrig., clean, walk to shops. $325 mo. 632-9849 523K SW 26 1bd 1 bath Upstairs Garage Apt $325/mo $175/dp 700 sf 409-7989 no section 8

Furnished/Unfurnished Bills Paid » Wkly/Monthly Wes Chase Apts, Elk Horn Apts, Hillcrest 943-1818 2007 Hot Springs Hot Tub, Jet Setter Model JJ. 115 or 230 volt.

Paid $5500 asking $2500, good cond. 405-326-9415

ROOM FOR RENT, ALL BILLS PAID, $275 MO, 1712 NW 12, 417-0701.

8344 NW 113 Tr 3/2/2 $975 2642 NW 66 3/2/2 $1295 619 NW 49 3/2/1 $850 839 NW 111 1/1.5/2 $595 Express Realty 844-6101 www.expressrealtyok.com

205 NW 88 3bd Sec8 $600 229 NW 92 3bd Sec8 $600 1513 NW 47th 2bd $450 FLESHMANS INC 235-5473 or 314-3551

4044 SW 26th 2bd $400 5709 Empire 2bd $325 FLESHMANS INC 235-5473 or 314-3551

Rent, Rent to Own605-5477 2bd from $395-595 3bd from $450-895 4bd from $595-995 housesforrentofokc.com

3/1/1.5 New ch&a, carpet, no section 8 or pets $750mo $1000dep 2721 SW 61st. 636-1911

4304 NW 11th St. 3bd 1.5 ba 2c garage. W/D hookup. ch&a, fenced back yard. $725mo $725 dep no pets 519-2845 3347 NW 12 3bd 1bath 1239sf, fridge, stove, wood & carpet floors $725/mo $500/dp 409-7989 no sec 8 Elegant 3BR Executive Home. Marble, granite.

Rare, never rented, 2300sf $1645 255-4300 3bd 1ba, W/D hkup Britton area, no pets, No Sec 8/No pets $625 +$500 dep 405-789-4525 lv msg Nice, quiet area, 3 bed, 1K bath, nice pool, double carport, $955 month + $955 deposit. 728-1589 2/1/1, ch&a, dishwasher $500mo/$200off 1st mo.

MG Realty ¡ 831-0207

Nice 2b 2b 1c ch&a fp w/d hkup fncd bkyd $595mo 1yr lse 503-5742 2 bed, W/D hookup, fenced yard, $475 mo, $250 deposit, 631-8039.

Very Nice 2604 SW 55 3/1.5/2, No Sec 8/Pets $700 + $600dep 410-9777 2bd/1ba, ch&a, fncd, w/d hkup, 4508 S. Robinson, $450, no sec. 8, 503-5742

$ FREE RENT 1ST MO $ » FOR SALE OR RENT» 2BR $350+, 3BR $450+, MWC NO PETS 427-0627 2 & 3 bd, Mbl Home on acreage, Newalla. Ready $495, $300dep 386-4455

723 NW 25th, 5 bd, 2 ba, ch&a, w/d hu, $985 mo, $600 dep, 850-9795.

716 NW 88th, 2bd, 1 ba, 1car, ch&a, wd hkp $585 /mo. $400/dep. 850-9795 3928 NW 25th St, nice 2 bed, 1 bath, 1 car, ch&a, stove, $575 mo, 755-1316 3 bd, 1 ba, ch&a, W/D hook-up, 504 NW 92nd, $525+$400dep 478-3910.

1 bd, newly remodeled, w/d hk-up, ch&a 343 NW 96, $425+$375 478-3910 3013 NW 30, 2bd, 1 bath $525 a month 408-5836 1033 Hoyt 3/1/1 681-7272

$575

Rent, Rent to Own605-5477 2bd from $395-595 3bd from $450-895 4bd from $595-995 housesforrentofokc.com 4721 SE 50 3/1.5/2 $700 529 SE 72nd 3/1.5 $550 681-7272 319 SE 60th 2bd, 1 bath complete remodel, $475 a month 408-5836 3/1.5/2, 4825 Fairmont Ave. $695 mo, $350 dep, sec. 8 ok, 324-2611 3/4Bd in West & SE OKC, $600-$700/mo, Sec. 8, $0 dep.

1-800-529-0307 code 37

Rent, Rent to Own605-5477 2bd from $395-595 3bd from $450-895 4bd from $595-995 housesforrentofokc.com Nice 3 bd, 1 ba, 1 car, lrg fncd yd w/ deck No pets No Sec 8. $700 +$700dep 222-7101 2534 SW 57 St 2625 SW 45th Sharp 3bd, with 1 car garage, clean, fenced $650 Fidelity410-4200, 692-1661 3009 SW 20th 2/1 $450 633 SW 33rd 2/1 $350 1424 SW 24 1bd dplx $350 681-7272 4605 S. Santa Fe 4 bed, 2 bath, CH&A w/d hookups, w/appliances, 405-501-6570

PROFESSIONAL REAL ESTATE SERVICES Mgmt » Leasing » Sales Spectrum Management 848-9400 usespectrum.com

Mature single person, smoking okay, $450 month, utilities included, »»» 326-9114 »»» Moore-Room for Rent For details call 405-799-0071

Lake Texoma, Soldier Creek, lake view, 973 sq ft living, 974 sq ft deck, carport, 1 living, 2 bed, 1 bath, fully furnished, paid landscaping and yard maintenance, pass through utilities, $1000 per month, year lease required, 580-565-9500.

10F

REAL ESTATE

SATURDAY, FEBRUARY 26, 2011

Building permits Oklahoma City Socrates Lazaridis, 5904 N Villa Ave., school, add-on, $3,125,195.

Steve Hays, 7777 S May Ave., school, erect, $1,900,000.

Allenton Homes & Development LLC, 3509 NW 173 Circle, residence, erect, $1,200,000.

Winters Contracting, 11301 Northwest Expressway, storage, erect, $950,000.

Winters Contracting, 11301 Northwest Expressway, storage, erect, $950,000.

Winters Contracting, 11301 Northwest Expressway, storage, erect, $950,000.

Aaron Winters, 11301 Northwest Expressway, storage, erect, $950,000.

Aaron Winters, 11301 Northwest Expressway, storage, erect, $950,000.

Aaron Winters, 11301 Northwest Expressway, storage, erect, $950,000.

Ron Davis, 10830 SE 29, automotive repairwash, erect, $450,000.

David Meier, 2944 NW 156, office, erect, $300,000.

4 Corners Construction LLC, 10001 Goodman, residence, erect, $280,000.

Remington Builders Inc., 9301 NW 133 Court, residence, erect, $249,000.

Rice Custom Homes LLC, 917 NW 195 Place, residence, erect, $210,000.

Dimensional Construction Inc., 1600 W Interstate 240 Service Road, retail sales, add-on, $200,000.

Taber Built Homes LLC, 3232 Orchard Ave., residence, erect, $200,000.

Taber Built Homes LLC, 15400 Homecoming Drive, residence, erect, $200,000.

Taber Built Homes LLC, 2417 NW 154, residence, erect, $200,000.

Willis (Don) Custom Homes Inc., 11201 SW 37 Court, residence, erect, $200,000.

Sunny Pulipra, 5000 Horizon Blvd., residence, erect, $200,000.

Taber Built Homes LLC, 2413 NW 154, residence, erect, $195,000.

Showcase offers free advice for home sellers FROM STAFF REPORTS

MOORE — Cheryl Cupps and J.T. Brown of Century 21-Clinkenbeard will present a free Home Sellers’ Showcase at 6 p.m.

March 31 at Moore Public Library, 225 S Howard Ave. The aim is to give anyone thinking about selling a home an opportunity to find out how to prepare a home for the market.

Speakers will include a home inspector, appraiser, landscape specialist and Realtors. Topics will include: Inspections and what an inspector looks for.

Disclosures, and what needs to be operable.

What really adds value to your property.

Home staging and decluttering.

“The $5,000 gallon of paint.”

Lighting, lighting, lighting.

Home warranties.

Closing costs.

What to expect of your Realtor.

How to price your home.

Realtor vs. For Sale By Owner.

Refreshments will be served.

Seating is limited. To reserve a spot, call Cupps at 365-4314 or e-mail cheryl.cupps@century21. com, or call Brown at 604-7363 or e-mail brown.jt@sbcglobal.com.

› › › › › › › › › › ›

David Meier, 2946 NW 156, business, erect, $195,000.

Randy K. Valdez, 6404 NE 105, residence, erect, $190,000.

Abel Homes, 14108 Canterbury Drive, residence, erect, $185,000.

J&R Custom Homes LLC, 12828 NW 6, residence, erect, $173,000.

Terry Building Co., 11500 SW 15, church, addon, $147,000.

Ideal Homes of Norman LP, 2412 SW 138, residence, erect, $125,000.

Ideal Homes of Norman LP, 2409 SW 138, residence, erect, $123,000.

Brad Jones, 17900 N Western Ave., medical clinic-office, remodel, $114,856.

Rausch Coleman Homes LLC, 4800 Caleb, residence, erect, $100,000.

Sooner Traditions LLC, 19409 Vista Ave., residence, erect, $100,000.

United-Bilt Homes LLC, 13100 SE 89, residence, erect, $92,000.

George Schott, doing business as Two Turtles Property Management, 3213 Tenkiller Court, residence, erect, $90,000.

Ideal Homes of Norman LP, 2632 NW 185, residence, erect, $82,000.

Ideal Homes of Norman LP, 18301 Cola Drive, residence, erect, $80,000.

Rausch Coleman Homes LLC, 6149 Cielo Terrace, residence, erect, $80,000.

Rausch Coleman Homes LLC, 4701 SE 81, residence, erect, $80,000.

Rausch Coleman Homes LLC, 7912 Sunny Pointe Lane, residence, erect, $80,000.

Rausch Coleman Homes LLC, 4700 SE 81, residence, erect, $80,000.

Mark Kesner, 3259 S Choctaw Road, towerantenna, install, $80,000.

Chris Webber, 7120 NW 63, office, remodel, $75,000.

Ideal Homes of Norman LP, 1825 NW 143, residence, erect, $73,000.

Dick Cooper, 3420 Treadwell Drive, residence, add-on, $70,000.

Sam Gresham, 7503 N May Ave., retail sales,

remodel, $60,000.

KRD Contracting, 3916 N Harvey Parkway, residence, add-on, $50,000.

Mendez Construction, 1840 NW 56, residence, remodel, $50,000.

Castle Custom Homes LLC, doing business as Castle Creek Homes, 10105 Samantha Court, residence, add-on, $40,000.

Oklahoma Gas and Electric Co., 500 S Broadway Ave., storage, install, $40,000.

Keena Oden, 1005 NW 17, residence, add-on, $40,000.

SJS Properties/Matt Jones, 1512 NW 42, residence, remodel, $30,000.

Grant Sanders, 4243 Will Rogers Parkway, office-warehouse, remodel, $30,000.

TNH Holdings, 16401 N Rockwell Ave., add-on, add-on, $29,000.

Loy Sawicki, 2817 Mirage, storage, erect, $25,000.

Jason Priest, 6525 SE 163 Court, storage, addon, $21,000.

Mark Kesner, 3259 S Choctaw Road, towerantenna, move-on, $20,000.

Wendy Housley, 9009 NW 10, manufactured home, move-on-mobile home park, $16,000.

Grant Sanders, 4100 Will Rogers Parkway, office-warehouse, remodel, $15,000.

Mark Stephens, 1349 Lowrie Lane, residence, add-on, $11,000.

Archer Western, 15924 S May Ave., equipment, install, $10,000.

Gary Kelly, 1117 NW 105, accessory, erect, $8,000.

W. Moffatt Construction LLC, 5808 Lenox Ave., residence, remodel, $8,000.

Jed Green, 3525 NW 23, retail sales, remodel, $7,500.

Archer Western, 15924 S May Ave., canopycarport, erect, $5,000.

Jesus Martinez, 24 SE 38, residence, add-on, $5,000.

Ground Zero, 9300 SW 23, storm shelter, installstorm shelter, $3,995.

Flatsafe Tornado Shelters, 11913 Glenhurst Blvd., storm shelter, install, $3,650.

Smartsafe Enterprises, 2516 Warwick Drive, storm shelter, install, $3,195.

Josh L. Fisher, 7902 Harvest Moon Road, storm shelter, install, $3,000.

Michael Smith, 4017 Bar Harbor Circle, storm shelter, install-storm shelter, $2,700.

Johnny B. Taylor, 6308

THE OKLAHOMAN | NEWSOK.COM NE 105, storm shelter, install-storm shelter, $2,700.

Dianna Taylor, 5316 NW 122 Terrace, storm shelter, install-storm shelter, $2,650.

Kayode Adebiyi, 10908 N McKinley Ave., canopy-carport, add-on, $2,300.

Edwin Charra, 4200 NW 19, accessory, erect,

$1,500.

Demolitions K&M Dirt Services LLC, 3312 S Dumas Ave., residence.

K&M Dirt Services LLC, 1406 NE 24, residence.

Bill Walker, 5916 SW 21, porch.

Eustaquio Salazar, 105 SE 31, residence.