The Oklahoman Real Estate

LISTING OF THE WEEK

HOUSE PLAN

4-bedroom in south

Larger than it looks

The Listing of the Week is a large home on a cul-de-sac in the Rivendell neighborhood of south Oklahoma City.

The Keystone, a two-level contemporary Craftsman bungalow, offers nearly 3,000 square feet of living space.

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REAL ESTATE

Ellen James Martin

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THE OKLAHOMAN | NEWSOK.COM

SATURDAY, APRIL 7, 2012

Homes, offices showcased EVENT | THE ANNUAL ARCHITECTURE TOUR PROMISES TO SHOWCASE SEVERAL STOPS WITH UNIQUE VIEWS

BY DYRINDA TYSON For The Oklahoman dyrinda@gmail.com

Turn any direction in the clean-lined modern home at 824 NW 7, and there it is — the view.

“That’s what drew us — the view,” said Emma Rolls, who lives there with her husband, Lee Peoples, and their 7-year-old daughter, Amelia.

Randy Floyd of Randy Floyd Architects designed the home, one of several stops on the American Institute of ArchitectsCentral Oklahoma Chapter’s 11th annual Architecture Tour from noon to 6 p.m. April 14. Tickets are $15 at any stop on tour day or $12 in advance through Thursday at TAPARCHITECTURE, 415 N Broadway; the AIA-Central Oklahoma Office, 3535 N Classen Blvd.; or online at www.aiacoc.org/tour/.

Beyond the living room and kitchen windows, the panorama of Oklahoma City stretches out toward the horizon. The Devon tower towers above it all, glinting in the late afternoon sunlight.

“It’s really beautiful at sunset,” Rolls said, noting that the sinking sun often reflects off the tower’s windows and bathes the whole area in pinkish light.

Across the city, the views from the home at 2801 NE 120, another stop on the tour, are equally stunning, but it’s a tapestry of twisting greenery that lies past the windows.

Legendary Oklahoma City architect George Seminoff built the original modernist 20-by-40-foot brick-and-glass box in the 1950s as a weekend bachelor pad. The structure expanded as he married his wife Sharon and their family grew, with a two-story addition taking shape next to it.

“As the house grew, he

behind the unusually high rate of contract cancellations and settlement delays in the real estate market? With signs of recovery emerging in many parts of the country, shouldn’t deals be zipping along with minimal complications?

Apparently not. Nearly one-third of realty agents in a new national survey reported experiencing contract cancellations — purchases crumbling before going to closing — in February. That’s up dramatically from a similar poll a year earlier, when just 9 percent of agents reported cancellations.

Another 18 percent reported delays in scheduled closings in the latest study, which involved approximately 3,000 agents surveyed by the National Association of

SWEET MORTAGE A LURE Rents are rising in many areas, making home ownership a more alluring alternative to renting.

That’s a major reason mortgage specialists are now predicting an uptick in activity among prospective firsttime buyers.

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IN BRIEF CONCENTRATE IS AVAILABLE

Brent Kliewer stands under a ficus tree growing in his living room at 2801 NE 120, the former home of architect George Seminoff, who designed it. The home is one of several stops on the annual American Institute of Architects-Central Oklahoma Chapter Architecture Tour April 14. The tree dates to the home’s period as Seminoff’s bachelor pad in the 1950s. Kliewer’s dog Julian is on the other side of the glass.

PHOTO BY DAVID MCDANIEL, THE OKLAHOMAN

had the glass wall (in the original structure moved outward),” said Larry Pickering of Fitzsimmons Architects, which is working on the home for the new owner, Brent Kliewer.

“At some point he decided he wanted more space in that room, so he added an atrium. There was a little ficus tree outside, and that became an inside tree.”

That “inside tree” is now more than 40 years old, and its branches snake across the atrium’s glass.

Architect Brian Fitzsimmons said he and Pickering called in a “tree guru” to help them design their work around the tree. “We wanted to make sure this ficus stayed healthy because it’s sort of the soul of SEE VIEW, PAGE 2F

Realtors.

Tops on the list of issues?

I Appraisals below contract.

You may assume that the true market value of a house is what a seller and buyer agree to in a binding contract, but it’s not.

The appraiser hired by the bank may come up with a different opinion of value — significantly below what was agreed between the parties — and this is occurring with far greater frequency today than in previous years.

Part of the problem is the excessive use of pricedepressed foreclosure sales chosen as “comparables” to value nondistressed houses under pending contracts. But some appraisers are inexperienced, unfamiliar with local pricing trends and go far beyond their normal duties.

S.C. Johnson now offers popular cleaning products in concentrated form. The company introduced 2.9-ounce bottles of Windex, Fantastik, Pledge, Scrubbing Bubbles and Shout Carpet concentrates.

A bottle of concentrate is mixed with water to fill a trigger spray bottle. The bottles use 79 percent less plastic than a standard bottle, and the smaller amounts of liquid require less fuel to transport, the company says. The concentrates are available only online at www.scjgreen choices.com. A single bottle of concentrate is $2.50, a trigger bottle is 50 cents and a starter kit is $5, containing two bottles of one type of concentrate and a trigger bottle.

Shipping is $3.

BOOKS

Randy Floyd of Randy Floyd Architects stands outside Emma Rolls’ and Lee Peoples’ home at 824 NW 7, which Floyd designed.

PHOTO BY NATE BILLINGS, THE OKLAHOMAN

Despite recovery signs, complications abound for real estate contracts, loans WASHINGTON — What’s

SMART MOVES

For example, Risa Bell, an agent for national broker Redfin in Boston, recently represented purchasers of a bank-owned property being sold “as is.” An appraiser for the lender not only detailed a long list of needed repairs to the house, but said the deal could only proceed if the prospective buyers spent thousands of dollars fixing up the house before — not after — closing.

Along the way, frozen pipes in the unheated house broke and a contractor hired to do repairs filed a mechanic’s lien requiring payment before the title could be transferred. All of this combined to kill the financing and torpedo the closing, but the buyers ultimately were approved by a second lender using a different appraiser, who made no such demands for

repairs in advance.

I Ultraconservative underwriting and documentation requirements.

It’s no longer just towering credit score minimums, hefty down payments and mind-bending paperwork submissions that get mortgage applicants turned down.

“It’s a lot of other stuff, too,” said Melissa Zavala, broker and owner of Broadpoint Properties in Escondido, Calif. Increasingly she’s been running into regulatory hoops and restrictive underwriting rules at the Federal Housing Administration, Fannie Mae and Freddie Mac that knock signed contracts off the tracks or at least delay them for months.

I Poor service by lender staff.

Agents in the survey identified “lack of customer service” and “gen-

Kenneth Harney THE NATION’S HOUSING

erally bad attitudes” as contributing factors to delays and some contract failures. But Zavala said realty agents themselves need to be on the ball when loan processing deadlines begin to slip or communication breaks down with lenders.

Bottom line: If you seriously want to go to closing on a house you’re buying or selling, make sure you know all the key rules and requirements up front, then stay on top of the lending, escrow, title and real estate professionals assigned to your transaction.

And don’t give up if your deal runs into complications. There are more of them out there than usual.

Ken Harney’s email address is kenharney@earthlink.net.

WASHINGTON POST WRITERS GROUP

‘RAIN GARDENS’ CLEAN WATER As the cost of sewage treatment rises, reducing stormwater runoff becomes a more pressing issue. One of the most attractive ways to address the problem is a rain garden, a landscaping feature that collects runoff and helps to clean the water naturally.

Horticulturist Lynn M. Steiner and hydrology scientist Robert W. Domm introduce readers to this form of landscaping in “Rain Gardens: Sustainable Landscaping for a Beautiful Yard and Healthy World.”

They explain the benefits, offer instructions and tips.

“Rain Gardens” is published by Voyageur Press and sells for $24.99 in softcover.

MCT Information Services

INDEX Stone Permits

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SATURDAY, APRIL 7, 2012

REAL ESTATE

View: Tickets available for tour

Architect Brian Fitzsimmons looks over Brent Kliewer’s house at 2801 NE 120, designed and formerly owned by architect George Seminoff, one of several on the Architecture Tour April 14. PHOTO BY DAVID MCDANIEL, THE OKLAHOMAN FROM PAGE 1F

the house,” Fitzsimmons said.

But it was more than just the view that drew the Rolls-Peoples family to that location in the Cottage District — it was close to their jobs at Oklahoma City University, close to their favorite places downtown and within range of Wilson Elementary School.

For Kliewer, an Oklahoma-born film curator who lived in Santa Fe, N.M., for 27 years, the process of acquiring his new home was a more gradual one. His father’s declining health drew him back to Oklahoma a few years ago, and an uncle who knew the Seminoffs brought Kliewer out to the property to meet Sharon Seminoff. Her husband had suffered a stroke and was moved to Dallas to be near their children, leaving her alone in the house.

The Seminoffs had been interested in selling the house so the family could reunite in Dallas, but they had made no serious efforts to put it on the market, Kliewer said, “so we actually over the period of a year were talking about it.” He closed on the property in 2010. It includes a studio and enormous shop as well. All of George Seminoff’s files, decades’ worth of floor plans, sketches and renderings, came with it.

“We’d like to find a good home for them,” Fitzsimmons said.

Other stops on the tour are: I 6614 N Pennsylvania (James and Jennifer Weinland) Fitzsimmons Architects took on this challenge as well, opening up the interior of the Colonial-inspired home by installing a porch and larger windows on the ground floor as well as replacing the tiny secondstory dormers with expanded “sky windows” to allow light in from above.

I Saxum, 1300 N Broadway HSEarchitects helped the growing public relations firm expand its layout, turning the former 1950s-era Kirkpatrick Oil Co. building in Automobile Alley into a fresh, functional work space.

The lobby offers a nod to the building’s beginnings with a large-scale graphic of an oil rig on one wall and a portrait of founder John Kirkpatrick on the opposite wall.

I 1000 NW 37 This historic fourplex, built in the 1930s, was on the cusp of demolition last year when Norman builderdeveloper Brent Swift bought it. Butzer Gardner Architects worked with Swift to rebuild both the interior and the exterior. Seven condos are now on the property, each with its own private patio, maple cabinetry and hardwood floors.

I Fire Station No. 6, 21 N Lincoln Blvd Completed last fall, the

Homeowners Lee Peoples and Emma Rolls and architect Randy Floyd are shown in the upstairs office at 824 NW 7, a home that Floyd designed.

PHOTO BY NATE BILLINGS, THE OKLAHOMAN

new incarnation of Station No. 6 has been situated to better serve downtown, but LWPB Architecture’s design is energy-efficient and environmentally friendly with technology that automatically powers down kitchen and entertainment systems when the alarm goes off.

I Nichols Law Firm, 104 E Main St. in Norman Attorney Drew Nichols sought out Butzer Gardner Architects and Brent Swift Construction after seeing their work on another vintage property in downtown Norman. His new office combines his modern work spaces with the deep, red brick walls of the original structure and its vintage bank vault.

I Fitzsimmons Residence, 1228 NW 36 The tour revisits a project that has been ongoing for several years. Those on the 2010 tour saw renovations to the main house, which was built as a duplex in 1916, that opened up its interior and made it more modern. This year’s tour highlights the progress on the main house as well as a studio, garage and the outdoor areas on the property.

Owners Kenneth and Audrey Fitzsimmons are working with TASK Design Inc. I The Creek House, 2116 Covell Lane in Edmond This semirural home features an open floor plan and exposed interior woodwork, and it will be in the final stages of construction when tour time rolls around. Owners Brad and Lynn Fielding have been working closely with D5 Architecture to create a home with flexible space suitable for entertaining.

The home is designed to be low-maintenance and energy-efficient.

For more information on the tour, go to www.aia coc.org/tour.

Attorney Drew Nichols sought out Butzer Gardner Architects and Brent Swift Construction after seeing their work on another vintage property in downtown Norman. His new office at 104 E Main St. in Norman combines his modern work spaces with the deep, red brick walls of the original structure and its vintage bank vault.

PHOTO PROVIDED BY BUTZER GARDNER ARCHITECTS

This view shows the kitchen at 824 NW 7, one of several stops on the Architecture Tour April 14.

PHOTO BY NATE BILLINGS, THE OKLAHOMAN

THE OKLAHOMAN | NEWSOK.COM

SETTING IT STRAIGHT March 31 The designers in the Oklahoma City Orchestra League’s Symphony Show House project representing Mister Robert Fine Furniture & Design in Norman were misidentified in the March 31 Real Estate section. They are Steve Calonkey, Susie Pickett and Katelynn Calonke.

REAL ESTATE

THE OKLAHOMAN | NEWSOK.COM

Tips on landing sweet mortgage Rents are rising in many areas, making homeownership a more alluring alternative to renting. That’s a major reason mortgage specialists are now predicting an uptick in activity among prospective first-time buyers.

“In some areas it’s now less expensive to buy than rent. Although the real estate market still isn’t super robust, more buyers are moving off the sidelines,” said Ray Eickhoff, a regional vice president with Fairway Independent Mortgage, a mortgage banking firm with offices throughout the country.

Eickhoff said the widespread view that the economy is gradually recovering is the primary factor strengthening many neighborhood markets.

But Scott Lanoff, a mortgage broker who heads his own firm, American Success Mortgage, cautioned that all purchasers can expect a rigorous mortgage application process, given that lenders now operate in a much more demanding regulatory environment compared to the period before the recession.

“I’ve been in the mortgage field 27 years and it’s never been harder to get a home loan,” he said.

Keith Gumbinger, a vice president at HSH Associates, which tracks mortgage rates countrywide, says there are currently many fewer companies in the mortgage market. Even so, he said homebuyers can still command the attention of many good lenders.

Here are a few pointers for prospective first-time homebuyers: I Get an early jump on the mortgage search process.

The mortgage market is always evolving. In addition to the traditional 30-year fixed rate mortgage, new loan products are constantly developed by the industry.

Most innovations involve adjustable-rate mortgages of one type or another. But they can differ dramatically in their names, terms and conditions.

Gumbinger said both first-time buyers and repeat purchasers need as much lead time as possible to educate themselves on mortgage basics, to sort through alternative home-loan choices and to compare lenders and rates.

Gumbinger suggested mortgage shoppers seek consumer information through his firm’s website, www.hsh.com.

Of course, most homeloan applicants now favor traditional fixed-rate mortgages. But Gumbinger said buyers who expect to stay in the home they purchase for just a few years might consider a so-called “hybrid loan” on which the interest rate stays firm for three to 10 years before adjusting to market levels, because the initial rate would be lower than that of a fixed-rate mortgage.

I Hold out for a lender willing to give you face time.

Gerri Detweiler, a consumer finance expert and author of “The Ultimate Credit Handbook,” encourages first-time buyers to seek a lender who will instruct them on the intricacies of home loans.

A home is shown for sale sign in Yardley, Pa. In some areas of the country, it’s now less expensive to buy than to rent.

AP PHOTO

Ellen James Martin SMART MOVES “A reputable mortgage lender should spend at least 30 to 60 minutes with you on the fundamentals and should help you to begin fixing flaws on your credit reports,” Detweiler said.

How do you find a sympathetic lender?

Gumbinger said real estate agents are usually a good source. But he said you should look beyond their suggestions, also asking friends or relatives who recently purchased a home.

I Arrive at the lender’s office well prepared.

To streamline the process, there’s no substitute for gathering key documents in advance of your meeting. Ideally, these should include recent pay stubs, your latest W-2s, and a couple of years’ worth of federal tax returns, as well as bank and savings account statements.

“They’re necessary to help your lender set the upper limit on how much you can afford, a process known as ‘pre-approval,“’ Gumbinger said.

By providing these documents early, your lender can quickly calculate your top borrowing limit and assess your eligibility for various lending programs.

I Look into your credit standing to gain the best available mortgage rate.

Under federal law, you’re entitled to one free credit report each year from the three largest credit bureaus: Equifax, Experian and TransUnion.

You can easily request these online (www.annualcreditreport.com).

In addition to your credit reports, you’ll want to access your credit scores. Such scores, which draw on data from the credit bureaus, seek to provide lenders with a quantitative measure of a person’s credit risk. Most lenders still use the scoring method pioneered by FICO. In most cases, you’ll need to pay a fee for your credit scores. One way to obtain them is through the FICO website: www.myfico.com. You can also receive credit scores through the three large credit bureaus. FICO

scores range from 300 to 850 — the higher the score, the more likely you are to get the best available rate.

As soon as you’ve chosen the home you want to buy, it’s time to get serious about making your mortgage application.

And with your credit scores in hand, you can readily begin the process of comparison shopping for rates.

Gumbinger said you may wish to begin the rate-shopping process with the lender who tutored you on the basics.

But he strongly suggested you extend your rate search beyond the first lender. He also recommends you consult community banks and credit unions.

“Try to gather at least 10 to 12 rate quotes before you applying for a mortgage. But always remember you’re not only shopping rates. You also want quality service,” Gumbinger said.

To contact Ellen James Martin, email her at ellenjamesmartin@gmail.com.

UNIVERSAL UCLICK

SATURDAY, APRIL 7, 2012

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Down payment assistance plan offered to spur homebuyers FROM STAFF REPORTS

People in the market to buy a home in Oklahoma City can apply for a down payment and closing cost assistance program called HOME for $3,500, $6,000 or $10,000.

The HOME program is not limited to first-time home buyers.

“The program is offered to encourage home ownership in the city’s core,” said Planning Director Russell Claus. “When people own their home they take better care of it, they become more invested in their neighborhood and they tend to stay longer.”

The program is open to homebuyers whose household size and taxable income are no more than: one person $34,450; two people $39,400; three people $44,300; four people $49,200; and higher income limits apply to larger households.

The program is targeted to select areas between Memorial Road and SW 89 and SE 89 between Meridian and Bryant ave-

nues. Homebuyers must qualify for financing from a mortgage lender.

The $10,000 down payment assistance applies only to homes built by community housing development organizations, which now have eight energy-efficient homes for sale. For locations of homes or an appointment to view contact: I Council of Neighborhoods: 672-7223 I Jefferson Park Neighbors Association: 409-9816 I Neighborhood Housing Services: 231-4664 I Positively Paseo: 557-0700 To learn more about the down payment assistance program call the Community Action Agency at 232-0199 or Neighborhood Housing Services at 231-4663.

The HOME program is managed by the city of Oklahoma City with applications for assistance processed through the Community Action Agency and Neighborhood Housing Services. The program is funded through the U.S. Department of Housing and Urban Development.

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REAL ESTATE

SATURDAY, APRIL 7, 2012

THE OKLAHOMAN | NEWSOK.COM

Right at home: living large in small space

BY KIM COOK

she said. “Look for space on the verticals — railings, hooks and shelves on doors and walls can hold baskets and clothing, and serve as drying areas for laundry.”

She thinks many people err by buying too much storage, ending up with more stuff that takes space.

For The Associated Press

Small may be in when it comes to homes, but that doesn’t mean it’s easy to decorate.

A few simple guidelines, however, can turn a small space from Dilemma to De-Lovely.

Maxwell GillinghamRyan, founder of the decor blog Apartment Therapy and author of “The Big Book of Small, Cool Spaces” (Clarkson Potter, 2010), thinks it’s all about light.

“The single most powerful influencer in a room is the lighting,” he said.

Every room should have three sources of illumination, which will bounce off walls and create a visual expanse, Gillingham-Ryan said. Track lighting is a good alternative to freestanding fixtures if space is a problem.

“Track has really improved in the past few years. You don’t have to buy a big section with large lights; there are many smaller, attractive options,” he said.

Rather than buy adjustable furniture for a multipurpose small space, “it’s better to find good pieces that do what they’re supposed to,” he said. For example, instead of an ottoman with a lid that flips into a tray, buy a great ottoman and a great tray.

“You’ll appreciate both pieces so much more.”

Gillingham-Ryan suggested limiting the color palette of a small room. He likes off-white in all its iterations, with bright white on ceilings. “Keep floors dark — they’re calming and grounding, and will make the walls seem higher,” he said.

Use accessories, such as a great rug, to add color.

“You can’t change your square footage, but you can change the way the space feels,” he said.

Elaine Griffin, a New

A small sunroom is shown is this photo courtesy of Better Homes and Gardens.

AP PHOTO

York-based designer and author of “Design Rules” (Gotham, 2009), said a welcoming foyer is near the top of her list for small spaces.

“It’s an important part of the psychological experience of coming home. I like to create a f`aux foyer’ by sitting a decorative cube or box adjacent to the door with a tray for mail, and perhaps a shelf above for keys, a flower and a fragrant candle. Mount a mirror above the shelf,” she said.

In the living area, “avoid the temptation to put your sofa on the long wall. Put it on the short wall, and you’ll have more room to

create decor zones,” Griffin said.

Loveseats — popular purchases for small apartments — are “a no-no.

Truthfully, they only sit one. Go for the betterproportioned 72-to-76inch a`partment-sized’ sofa.”

In tiny bathrooms, Griffin said, “I’m a big fan of wall-mountable, square mini-shelves, which I station in multiples behind the door. Save the most visible space above the toilet for art.”

Janice Simonson, IKEA’s design spokeswoman, seconds that approach. “Often people only look at the f`ootprint’ of the room,”

Paradigm adds Monson Terry Monson has moved to Paradigm AdvantEdge’s west office at 13100 Colony Pointe, near Piedmont, as a residential real estate sales associate.

The Oklahoma City native attended Rose State University and worked toward a degree in business

Blevins honored as top seller Churchill Brown & Associates Realtors presented Karen Blevins, an associate for 11 years, with its Top Producer award for highest sales volume in 2011 at its 32nd annual awards banquet at Gaillardia Country Club.

Others receiving “Platinum Circle” recognition were Rhonda Bratton and Philip Churchill.

Wanda Looper, Ginger Baxter, Bryan Newell and Mitra Senemar received Associate of the Year awards. The Rookie of the Year was Laura Robertson.

Miller moves to agency’s east office MIDWEST CITY — Shawna Miller has moved to Paradigm AdvantEdge Real Estate’s east office at 2150 S Douglas, Suite F, in Midwest City.

She became a Realtor seven years ago after several years of real estate investing. Previously, she worked as a computer technician and as a loan originator for a mortgage company.

administration. He interrupted his education to join the U.S. Army and served in Operation Desert Storm.

He has worked for the Federal Bureau of Prisons at its Oklahoma City Federal Transfer Center for a number of years and has

Terry Monson

been selling real estate for the past seven years.

“Take the time to plan; don’t buy anything till you’ve moved in and unpacked, to see what’s needed,” she said.

Some other general tips: I Downsize. What do you need and what can you live without? Rip all your CDs to a hard drive, then sell or donate them. Get rid of anything you rarely

use.

I Sight lines are important.

Benches, open shelves, furniture with legs, light materials — these help the eye perceive a room as more spacious.

I Mobilize. Rolling tables and carts can serve as dining, work or play pieces.

THE OKLAHOMAN | NEWSOK.COM

Building department should inspect home DEAR BARRY: I was planning to purchase a 50year-old home that has several additions and has been remodeled more than once. The records at the building department show no permits since the house was originally built, so I canceled my purchase offer. The owners dropped 10 percent off the selling price, hoping that I would resume the purchase. Instead of a price reduction, I would like the sellers to get an as-built permit and have the building improvements signed off.

What do you recommend?

Lori DEAR LORI: Your strategy is a good one. Having the home inspected and approved by the building department is a better idea

than a 10-percent discount. If the sellers are that anxious to sell the property, who knows what manner of defects await discovery? The 10-percent discount may or may not be sufficient to offset potential repair needs.

Let the sellers have the property inspected and approved by the building department. When they’re done with that, be sure to follow up by hiring a qualified home inspector of your own.

DEAR BARRY: I want to buy a 4-year-old house with solar panels and radiant floor heat. The home inspectors I’ve called say they don’t evaluate “nonstandard” things like solar panels and radiant heat.

What can I do since it ap-

REAL ESTATE

Barry Stone INSPECTOR’S IN THE HOUSE

pears the inspection industry hasn’t kept up with the building industry?

Catherine DEAR CATHERINE: This is not a matter of keeping up with the building industry. Home inspections are visual inspections, done without the use of sophisticated test equipment. A comprehensive inspection requires the professional expertise of specialty contractors. The solar panels should be inspected by a licensed solar contractor; the heating system by a licensed HVAC contractor.

To write to Barry Stone, visit him on the web at www.housedetective.com.

ACTION COAST PUBLISHING

SATURDAY, APRIL 7, 2012

A lender is an ‘it’ Your bank doesn’t have feelings or emotions, but it does have goals. If you recognize this and act accordingly, you will find it much easier to get what you want from your bank.

For the first few months that I wrote this column, I would consistently hear from my editor that a bank is not a “they” but rather an “it.”

I would write something such as, “Call your lender and see if they will help you” and he would correct the sentence to “Call your lender and see if it will help you.” I finally caught on.

But I notice that most of my clients refer to the bank as “they.” I wisely don’t say anything. I’m there to solve my clients’ issues, not to correct their grammar.

But what we say is an indication of what we think,

and what we think determines how we approach the various problems that we all face from time to time. A bank is a thing — an inanimate set of policies and procedures created to provide value to its customers, who, in turn, help create profit for the business’ owners or shareholders. The bank doesn’t have feelings or emotions, but it does have goals. If you recognize this and act accordingly, you will find it much easier to get what you want from your bank.

For example, if a bank were a “they,” it might be concerned with all of the intimate details of the hardship that caused you to stop making your mortgage payments. But in reality, the bank primarily looks at your financial information to see if you fit into any of its programs

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Gary M. Singer REAL ESTATE LAW

that might lead to a loan modification or a short sale.

You are much better off thinking of your lender as a machine — a computer that can offer you a solution only if you provide the necessary information in exactly the way it asks for it. Remember the old saying: You can’t make a silk purse out of a pig’s ear.

Likewise, you can solve your housing and lending problems more easily if you don’t think of your bank as something it isn’t.

Gary M. Singer is a Florida attorney and board-certified as an expert in real estate law by the Florida Bar. MCT INFORMATION SERVICES

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THE OKLAHOMAN

HOUSE PLAN

Keystone larger than it looks The Keystone is much larger than it looks from the front. This two-level contemporary Craftsman bungalow offers nearly 3,000 square feet of living space. Tapered stone veneer twin-column supports, decorative gable accents and characteristic windows combine to create that nostalgic Craftsman look.

It’s designed for construction on a lot that slopes down on the right and to the rear. Approximately a third of the indoor living area is in the daylight basement, which is invisible from the front.

A window-bright vaulted great room sits at the core of the main floor, directly ahead of the wide foyer. Gathering spaces, formal and informal, fill the left wing, while a luxurious owners’ suite takes up most of the right wing.

Double doors next to the foyer lead into an expansive room brightened by a bay window. This could be furnished as a parlor, den, home office, or whatever suits. It has a roomy storage closet.

Flames in the seethrough fireplace can be enjoyed from the dining room, kitchen and nook as well as the great room.

Kitchen features include a long, flush eating bar and roomy walk-in pantry, along with generous cupboard and counter space.

Windows in front of the sink overlook a covered deck.

The spa tub in the luxurious owners’ suite is centrally located, allowing one person to chat with another in the sleeping area or

THE OKLAHOMAN | NEWSOK.COM

LISTING OF THE WEEK

The Listing of the Week is at 2609 SW 121 Court. The 3,521-square-foot home has four bedrooms, three baths, two living rooms, two dining rooms and an attached three-car garage.

PHOTO PROVIDED

A large home, 3-car garage on cul-de-sac

lavatory room while soaking away the day’s tensions. Other amenities include dual vanities, private toilet and a large walk-in closet.

Two more bedrooms are

in the Keystone’s basement, along with a generously sized utility room and a spacious family room with another fireplace. Sliding glass doors open onto a covered patio.

A review plan of the Keystone 30-597, including floor plans, elevations, section and artist’s conception, can be purchased for $25 by phone, mail or online. Add $5 for shipping and handling.

Associated Designs, 1100 Jacobs Drive, Eugene, OR, 97402. www.associateddesigns.com. (800) 634-0123.

The Listing of the Week is a large home on a culde-sac in the Rivendell neighborhood of south Oklahoma City.

The 3,521-square-foot home at 2609 SW 121 Court has four bedrooms, three baths, two living rooms, two dining rooms and an attached three-car garage. The formal living room overlooks outdoor entertaining space. The family room has a built-in bookcase, ceiling fan and fireplace. The kitchen has a built-in refrigerator, double ovens, breakfast bar, eating space and pantry.

The master bedroom

has a sitting area, walk-in closet and full bath. Secondary bedrooms have full baths, walk-in closets and ceiling fans.

The home has a cedar closet, covered patio, central vacuum systems, intercom and security system.

The home, built in 1996, is listed for $449,900 with Cheryl Cupps of Metro Brokers of Oklahoma. For more information, call 365-4314.

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.

REAL ESTATE

THE OKLAHOMAN | NEWSOK.COM

Permits Oklahoma City

Timberlake Construction, 5100 S Interstate 35 Service Road, bank, addon, $9,000,000.

Todd Crowl-Frankfurt Short Bruza Architects, 2500 N Utah Ave., training center, erect, $1,500,000.

Frontier City, 11501 N Interstate 35 Service Road, canopy-carport, erect, $1,300,000.

CMS Willowbrook, 8901 S Shields Blvd., church, remodel, $1,200,000.

Carriage Homes, 15617 Bald Cypress Cove, residence, erect, $1,200,000.

Lee Wilkinson, 16212 Sonoma Park Drive, medical clinic-office, erect, $750,000.

ADG, 100 N Harvey Ave., pedestrian walkway, remodel, $600,000.

Crabtree Custom Homes, 16821 Shorerun Drive, residence, erect, $507,000.

Capstone Estates LLC, 3300 NW 175, residence, erect, $455,000.

Prosser Wilbert Construction, 1211 E Interstate 240 Service Road, theater, remodel, $450,000.

Kinser Construction, 5301 SW 23, manufacturing, add-on, $440,000.

KMP Construction, 2925 United Founders Blvd., office, remodel, $350,000.

Tom Hoch, 3501 Quail Creek Road, clubhouse, remodel, $314,231.

The Roberts Group, 17337 Clove Hill Place, residence, erect, $300,000.

Rose Creek Cottages Construction LLC, 17104 Trophy Drive, residence, erect, $280,000.

J.W. Mashburn Development Inc., 5600 NW 121 Circle, residence, erect, $264,000.

CCDC Inc., 8509 NW 127, residence, erect, $260,000.

Renaissance Custom Homes LLC, 3121 SW 139, residence, erect, $257,000.

J.W. Mashburn Development Inc., 5605 NW 120 Circle, residence, erect, $256,800.

E.V. Cox Construction Co., 3601 N Interstate 35 Service Road, officewarehouse, add-on, $251,750.

Earl Austin Construction Co., doing business as Austin Homes, 8409 NW 124 Circle, residence, erect, $250,000.

J.W. Mashburn Development Inc., 11913 Dornick Circle, residence, erect, $230,000.

Hoshall (Tom) Homes Inc., 15008 Jefferson Lane, residence, erect, $229,000.

Hoshall (Tom) Homes Inc., 15012 Jefferson Lane, residence, erect, $229,000.

E-Z Living Homes Inc., 500 Prairie Hill Lane, residence, erect, $225,000.

E-Z Living Homes Inc., 13201 NW 6, residence, erect, $225,000.

E-Z Living Homes Inc., 4909 SW 127, residence, erect, $225,000.

Bonadeo Building Co., 1512 NW 176, residence, erect, $225,000.

Ron James Designer Homes LLC, 7305 Stinchcomb Drive, residence, erect, $221,100.

Carr Custom Homes Inc., 16117 Pointe Manor Lane, residence, erect, $220,000.

4 Corners Construction LLC, 14608 Sable , residence, erect, $210,000.

4 Corners Construction LLC, 14700 Almond Valley Drive, residence, complete, $210,000.

Ray Owens Homes LLC, 1501 NW 173 Terrace, residence, erect, $210,000.

Timber Craft Homes LLC, 8300 NW 143 Terrace, residence, erect, $206,451.

Lowery Homes LLC, 10304 Walnut Hollow Drive, residence, erect, $200,000.

Taber Built Homes LLC, 15217 Western Vista Drive, residence, erect, $200,000.

E-Z Living Homes Inc., 4917 SW 127, residence, erect, $200,000.

4 Corners Construction LLC, 15100 SE 59 Terrace, residence, erect, $197,000.

J. Hill Homes Inc., 10912 SW 21, residence, erect, $190,000.

Farms, Ranches For Sale, Okla. 308 Logan County Farm (160 acres) SE Logan County NW/4 Sec. 26, 16N, 1W. Prairie Grove and Henney Rd or 2 miles South of Hwy 105 on Henney. Has wheat, woods, pasture and water. Great recreational and hunting property. $265,000. Call Jeff at 405.282.5355

RE for sale Acreage For Sale

Edmond

314

302

Real Estate Auction Okarche, OK 27 acres MOL w/ home, barns & arena. See section 342 in today's paper for more info. United Country Hendron & Assoc.

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

18305 English Oak Lane, 3BR 2.5BA 2car, 1926sf.

Complete remodel by interior decorator. $164,500 405-410-8873

Moore

4 bedroom, 2 bath home in Moore. $142,500.

405-237-1030 Broker Immaculate 4/2/3, blt 2008 granite, SS appls$168,000 Realty Experts 414-8753

Mustang OWNER FINANCING 1-10 Acres Many Locations Call for maps 405-273-5777 www.property4sale.com

BY OWNER, 5 ACRES, TENKILLER LAKE and Illinois River area. Will finance with small down pmt. and $169 mo.

918-774-3741 PIEDMONT OPEN SUN 2-5 Model home. New hms on 1/2 ac lots. From NW Expwy & Sara Rd go 4.5 miNCleaton&Assoc373-2494 PIEDMONT building site 1.89 ac MOL w/storm shelt $25,000 new const only Richard Cleaton & Assoc 373-2494 Call for Maps! See why we sell more acreages than anyone in Okla.

E of OKC. o/a 275-1695

318

319

¡ OPEN SUNDAY 2-5 ¡ 9329 SW 25th St., Westbrooke Est. Like New 4bd/ 3ba/3car w/ in-grnd pool, Mustang schl. Come See!!!

Jackson & Assoc. 261-0128

Norman

322

BANK OWNED 3/1.5/2 brk new crpt, roof, tile, paint, appls, counters &cha $84.9k Realty Experts 414-8753

OKC Northeast

323

301 NE 61st St $95K OBO 1620sf 3bd 2ba 2car 2liv 2 din Emery Realty 921-6606

324

Ten acre family friendly horse farm in Norman.

Priced right.

250-9486

Owner carry, 4621 NW 33 Ter, Windsor Hills, 4/2.5/2, 2582 sq ft.

Beautiful renov home.

650-7667 www.homesofokcinc.com

WELL & SEPTIC 5 wooded ac. SE of Noble.

Owner Carry 226-2015

OPEN HOUSE 2-4 8416 Aspen Hills Dr. 3bed, 2ba, 1455 sq ft $122,500. 405-245-0401

Condominiums, Townhouses For Sale 304 Gated Condo Quail Sprgs 2bd, 2ba, FP, W/D, cvrd prkg, $75K 620-4529

324

Open House Sunday 1-3P 2305 N Youngs, completely remodeled house.

OKC Southwest

326

(MUST SELL) 3 or 4 bed, extra nice large home, almost 1900 square feet, totally remodeled, new carpet and all the goodies, in ground swimming pool in back yard, $149,900, 405-570-4291.

2909 SW 40th sharp 3bd home, completely remodeled, nice well kept area, only $43,900 Fidelity692-1661, 410-4200 2813 SW 60 Completely remodeled 3bd 1.5ba ch/a brick home 2 living areas.

Call for details!! $68,000 Fidelity692-1661, 410-4200

'84 Nashua 16x80, orig owner, very good cond. refridge, stove like new, shingled roof, strm wind, good insul., centr ac works good. To be moved $9500 firm » 405-650-2939 »

Double Your Tax Refund!!

Double your money or use your land/family land for ZERO down. New & Repo Homes. $2500 Furniture package w/new purchase.

Free phone app. WAC 405-631-7600 Abandoned D/W Repo set up on 5 Acres!! Ready to move in. Free phone application 405-631-7600 Own your Own home For less than rent.

Payments as low as $350mo. 405-577-2884 Palm Harbor Repo 4bd/3bth-BEST Quality 405-324-8000

3 bed, 2 bath, newly redecorated, reduced $15,000, call 762-2420.

Land & Home Repos Save $$$ 405-324-8010

Yukon

330

GREAT VALUE 4/2/2 Cottonwood Farms $192,900 Richard Cleaton & Assoc 373-2494

Suburban, NW

(El Reno, Guthrie, Cashion, Deer Creek,

332

Real Estate Auction Okarche, OK 27 acres MOL w/ home, barns & arena. See section 342 in today's paper for more info. United Country Hendron & Assoc.

Open Houses 334.2 PIEDMONT OPEN SUN 2-5 Model home. New hms on 1/2 ac lots. From NW Expwy & Sara Rd go 4.5 miNCleaton&Assoc373-2494

Industrial Property

336

2K bed, 1K bath, brick, fenced yard, 2521 NW 15th, $65,000, 706-3972.

PUBLIC AUCTION Thurs April 12, 2012 10am 160 Acres SW/4 Sec. 33-9-11 Caddo co Exec. Hunting Property & Stock Farm Lots of Deer Hogs www.tillmansauction.com 405-542-3837 Tillman Auction

7909 Maehs Circle 3bd/2ba, remodeled, corner lot $149K 602-9958

40 ACRES HUNTING LAND HUGHES CO. $21,000. 405-886-1643

Updated Brick 3/1 carport & extra prkng, roof 2011, ch/a, wood floors $84,000 Realty Experts 414-8753

Mobile Homes, Manufactured Houses 339

OWNER FINANCING $5000 down No Credit Ck 2728 Texoma, 4/1, $66K ¡596-4599‘ 410-8840¡

Etc.)

Must See Inside 3/1 No Gar 1904 Peachtree New Carpet $30,000 OBO 577-6889

OKC Northwest

OKC Northwest

New Generation Homes LLC, 717 Prairie Hill Lane, residence, erect, $190,000.

R.J. Designs Inc., 3504 Galatian Way, duplex, erect, $190,000.

R.J. Designs Inc., 3506 Galatian Way, duplex, erect, $190,000.

Harvest Homes Properties LLC, 300 SW 174 , residence, erect, $185,000.

Rice Custom Homes LLC, 19040 Meadows Crossing Drive, residence, erect, $183,700.

American Building Contractors & Developers LLC, 8520 SW 57 , residence, erect, $180,000.

Harvest Homes Properties LLC, 108 SW 174, residence, erect, $180,000.

Lachance Quality Homes LLC, 21240 SE 101 Place, residence, erect, $180,000.

Ray Owens Homes LLC, 1509 NW 173 Terrace, residence, erect, $180,000.

Taber Built Homes LLC, 2801 Morgan Trace, residence, erect, $180,000.

Taber Built Homes LLC, 19105 Butterfly Blvd., residence, erect, $180,000.

Taber Built Homes LLC, 11236 NW 102, residence, erect, $160,000.

Mashburn Faires Homes LLC, 2804 SW 95, residence, erect, $157,000.

Vintage Custom Homes LLC, 324 SW 174, residence, erect, $155,000.

Taber Built Homes LLC, 15613 Cardinal Nest Drive, residence, erect, $150,000.

Oklahoma Diamond Group LLC, 11221 NW 101, residence, erect, $140,000.

Sun Properties LLC, 11744 SW 19, residence, erect, $135,000.

Sun Properties LLC, 11736 SW 20, residence, erect, $135,000.

J.J.&R. Roofing & Construction LLC, 11160 NW 5 Terrace, duplex, erect, $130,000.

J.J.&R. Roofing & Construction LLC, 11164 NW 5 Terrace, duplex, erect, $130,000.

J.J.&R. Roofing & Construction LLC, 11200 NW

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

Real Estate Auctions

Real Estate Notices

OKC Northwest

1 Month Free!

2bd $575 Casady751-8088

346

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

Vacation Property For Sale 347 TENKILLER LAKE lot.

1N ac. Boat slip available. $14,500. Will finance. $1000 down and $144. per mo. Owner 918-747-5551

Commercial RE Commercial Property For Sale Four Commercial Car Washes For Sale Located in Lindsay, Pauls Valley and Davis, Oklahoma.

30 day offering.

Inquire at carwash@ lindsayamerica.com for details

Real Estate Auction Thurs, April 12th, 2PM 16735 N. Evans Rd. Okarche, OK 27 acres MOL, borders nice lake, 6,000+ sf uniquely designed 2-story home. 4 bedrooms, 5 baths, shop, approx.

10,000 sf 2-story shop/barn as well as a 40x50 brick/stone constructed barn w/ stalls, a 160'x350' arena w/ chutes & turnback alley.

OPEN HOUSES: Sun April 1st 2-4pm & Fri April 6th 4-6pm United Country Hendron & Associates www.unitedcountry.com /jayok Call Leroy, 918-695-0808, Joseph, 918-638-6293 or Virginia, 918-637-9143

Business Property For Rent 360 PRIME RETAIL LOCATION I-35 frontage, showroom, offices, warehouse 10,800sf ¡ 8801 S. I-35 Dale or Mike, 631-4447

Office Space For Rent

431

$239 - 1st Mo 1 Beds Quiet, Park, Pool 293-3693 DREXEL ON THE PARK

I BUY HOUSES Any condition. No cost to U 410-5700

Real Estate Wanted

Run Drive, residence, erect, $103,200.

Ideal Homes of Norman LP, 18500 Agua Drive, residence, erect, $103,000.

Home Creations, 11624 SW 10, residence, erect, $102,100.

Home Creations, 6209 SE 79, residence, erect, $100,800.

Rausch Coleman Homes LLC, 8504 SW 48, residence, erect, $100,000.

Rausch Coleman Homes LLC, 600 SE 60 Court, residence, erect, $100,000.

Rausch Coleman Homes LLC, 9600 Lauren Drive, residence, erect, $100,000.

Rausch Coleman Homes LLC, 3109 SE 95, residence, erect, $100,000.

Sooner Traditions LLC, 2409 NW 194, residence, erect, $100,000.

Sooner Traditions LLC, 2421 NW 194, residence, erect, $100,000.

Rausch Coleman Homes LLC, 11432 SW 24, residence, erect, $99,000.

Home Creations, 2440 NW 197, residence, erect, $97,600.

Rausch Coleman Homes LLC, 11433 SW 25 Terrace, residence, erect, $96,400.

Rausch Coleman Homes LLC, 11436 SW 24, residence, erect, $96,400.

Home Creations, 11628 SW 10, residence, erect, $95,700.

R.J. Designs Inc., 3500 Galatian Way, residence, erect, $95,000.

R.J. Designs Inc., 3502 Galatian Way, residence, erect, $95,000.

Home Creations, 11220 NW 99, residence, erect, $90,600.

Home Creations, 628 Inverleith Circle, residence, erect, $90,300.

Home Creations, 1012 Aspen Creek Terrace, residence, erect, $90,300.

Ideal Homes of Norman LP, 9545 SW 25, residence, erect, $90,000.

Rausch Coleman Homes LLC, 9617 Lauren Drive, residence, erect, $90,000.

Arthur and Traci Reeves, 12401 SE 119, manufactured home,

ALL BILLS PAID

Owner carry with down.

Nice homes & fixers.

417-2176. www.homesofokcinc.com

342

Land & Minerals Auction Orlando, OK 80 /- acres w/mobile home, Fri., April 6, 10:00 a.m. www.frisendahls auctioneers.com

5 Terrace, duplex, erect, $130,000.

J.J.&R. Roofing & Construction LLC, 11204 NW 5 Terrace, duplex, erect, $130,000.

J.J.&R. Roofing & Construction LLC, 11208 NW 5 Terrace, duplex, erect, $130,000.

J.J.&R. Roofing & Construction LLC, 11212 NW 5 Terrace, duplex, erect, $130,000.

D.R. Horton, 11120 SW 42 Place, residence, erect, $125,800.

Tom Abel Custom Homes LLC, 2405 SE 89 Terrace, residence, erect, $125,000.

Tom Abel Custom Homes LLC, 9013 Lolly Lane, residence, erect, $125,000.

Bud Bartley, 204 NW 153, clubhouse, erect, $121,500.

Leonhardt Enterprises Inc., 8228 Hillers Road, residence, erect, $121,000.

Leonhardt Enterprises Inc., 8101 Hillers Road, residence, erect, $121,000.

Leonhardt Enterprises Inc., 15801 Big Cypress Drive, residence, erect, $118,100.

Leonhardt Enterprises Inc., 15805 Big Cypress Drive, residence, erect, $118,000.

Home Creations, 11224 NW 99, residence, erect, $110,600.

Sooner Traditions LLC, 15900 Cantera Creek Drive, residence, erect, $110,000.

Sooner Traditions LLC, 2305 NW 159 Terrace, residence, erect, $110,000.

Rausch Coleman Homes LLC, 11812 NW 133, residence, erect, $109,000.

Rausch Coleman Homes LLC, 11813 NW 131, residence, erect, $109,000.

Rausch Coleman Homes LLC, 11805 NW 131, residence, erect, $109,000.

Rausch Coleman Homes LLC, 9621 Lauren Drive, residence, erect, $109,000.

Rausch Coleman Homes LLC, 11813 NW 132, residence, erect, $109,000.

Rausch Coleman Homes LLC, 11809 NW 131, residence, erect, $109,000.

Foster Signature Homes LLC, 15941 Sky

345

RESTAURANT: Building, equip., parking & sign, Cushing, OK. 405-236-1118

PUBLIC AUCTION Wed, April 11, 10 AM Blaine Co. FarmingRanching-Recreational Land. 480± acres. Selling in 4 tracts. Near Geary, Ok. For info visit our website at www. ridenhourauctions.com or Auctioneer-Broker John Ridenhour 580-623-7902

SATURDAY, APRIL 7, 2012

Apartments 422

804 NW 21st Mesta Park 2bed 1ba 1000sf $675mo $300dep dishwasher free laundry 409-7989 no sec 8

VERY, VERY QUIET Near mall, schls, hosp, Try Plaza East 341-4813

Furnished/Unfurnished Bills Paid » Wkly/Monthly Wes Chase Apts, Elk Horn Apts, Hillcrest 370-1077

MWC

3400 N Robinson 1bd 1ba $500 mo $250 dep 900sf, all elec 409-7989 no sec 8

Edmond

424

Free Month Rent! 1&2bd QUIET! Covered Parking Great Schools! 732-1122

OKC Northeast

430

Wilshire Valley Apts.

Newly Renovated 1, 2 & 3 bed apts. S8 Ok. Now Acc. 2 bd voucher for 3bd w/ income. Call 475-9984.

2 efficiencies, furnished, all bills paid, $375 & $400, 427-7566.

OKC Northwest

431

$100 Off

1st Mo Rent 1&2 Bedrooms Furnished & Unfurnished NEWLY REMODELED GATED COMMUNITY

3037 North Rockwell

OFFICE SPACE available. $6/sq ft. Great for medical or professional.

3801 NW 63rd. 640-8206 7608 N Western Ave Retail/Office space, up to 2200sf avail, 370-1077 GREAT Office Space Various NW locations 300-6000sf 946-2516

Warehouse Space For Rent 363.5 K Office, K Warehouse for lease. Various sizes.

221 W Wilshire 842-7300

•ABC• Affordable, Bug free, Clean » 787-7212» 800 N. Meridian 1bd All bills paid 946-9506

CAVE CREEK 363 ON ROCKWELL

Gorgeous 2132 sq ft Office and nice 960 sq ft office available at Castlerock Business Plaza in Mustang, OK. Call 580-243-0624

Florence 429 NW 11th Midtown Studio, Granite Counters, CHA, Free Laundry $675mo $400dep 409-7989 No sec 8

495-2000 $200 off

1st Mo Rent Selected Units LARGE TOWNHOMES & APARTMENTS • Washer, Dryers, pools • PC Schools, fireplaces

OKC Southwest

433

912 N Gardner 3bd 1.75 bath, fireplace, w/d hookup water paid $550mo »» 408-5836

OKC Southwest

455

Condominiums, Townhouses For Rent 441 Gated Condo Quail Sprgs 2bd, 2ba, FP, W/D, cvrd prkg, free cable/wtr $850/$600dep 620-4529 YUKON, 2 bd, 2 ba, 2 car gar, $650 mo + $500 dep, No pets, 405-209-4084 Quiet NW Townhome, 1 bed + study, 1K bath, $550 mo ‘ 748-3868

Bethany/ Warr Acres 442.5 VERY NICE 3BR 6300 NW 33rd Brand new carpet! $960/mo.

405-761-2673 after 5PM.

Moore

447

Luxury Duplex Moore 901 SW 36th 3bed, 2ba, 2 Car Garage, 2200 $1500/mo 405-517-7730

471

OKC Northeast

474

833 E Eubanks 3/1, gar converted to storage $550 Free List 681-7272 2 bed, 1 bath, ch&a, section 8 only, 717 NE 25th, 405-831-6888.

KAT Properties-Apt & Homes for rent. Scan this with your phone app

475

3bd 2ba 2car fncd back yard 425 NE 21st Newcastle No sec 8 $1400 Maria 618-0563

Yukon

460

12321 SW 2nd 3bd 2ba 2car $900 mo. no section 8 Maria 618-0563

Garage Apartments

461

Nice, all bills pd, 1 bd, liv, stove/frig, remod, H/W floors, 1941K NW 15th, $585 + dep, 301-5979.

14421 N Penn 2/2.5 $850 6018PlumThckt4/3.5/2$1995 11729SndncMtn3/2/2 $1495 4210Washington3/2/2$1200 6704 NW 124 3/2/2 $1095 Express Realty 844-6101 www.expressrealtyok.com 3232 Brushcreek, in Quail Creek on the golf course, 3 bed, 2.5 bath, 2 car, 1 FP, $1875 mo, $1500 dep. ¡ 831-0825 12709 Arrowhead Lane 3bd 3 bath, den, double car garage, new flooring New Carpet! 2734 Sq. ft. $2500 mo » 408-5836

Bills Paid Furnished/Unfurnished

1705 NW 32nd St. 2 bed 1 bath house, with 850 sq ft, garage/workshop. $675mo. no Sec 8. 239-0188

RE for rent

Near Wilshire & May, 2 bd, 1 ba, 1 car, remodeled, appl's, fenced yard, $750, no sec 8, 823-6161.

Del City

465.5

4016 Thomas Ave 2/1 $495 Free List 681-7272

Edmond

466

8330 Belcaro 3/2.5/3 $1995 514 Mary Lee Ln 3/2/2 $850 712 Scott 3/1.5/2 $895 18300 Tambor 3/2/2 $1095 18112CalleWay3/2/2 $1250 Express Realty 844-6101 www.expressrealtyok.com 3600 NE 143rd 3bd 2.5ba 2car gar, approx 2000sf ch/a, $1000 mo 370-1077

MWC

7301 NW 23rd

Newalla

3bd 1.5ba 2car carport 2.5 acres 1275sf $750mo Home&RanchRlty 794-7777

Tuttle/ Newcastle

Weekly/Monthly 370-1077

$99 Move In Special!!!

Lg 1 and 2 Bdr, $345 to $420 mo. 632-9849

SEE PERMITS, PAGE 8F

OKC Northwest

459

468

1305 Pinewood Ct 3/1/1 new carpet $550 9317 NE 14th 3/1.5/1 $575 4308 Meadow Park 3/1.5 gar converted to living $775 Free List 681-7272

Moore

469

RENT TO OWN 3 bed 1.5 bath, converted garage, $800/month LOW DOWN PAYMENT 602-3193 3bd 1.5ba 2car 1000sf $850 Home&RanchRlty 794-7777

7F

move-on, $87,000.

Ideal Homes of Norman LP, 2609 NW 186, residence, erect, $85,000.

Home Creations, 620 Rosemoor Court, residence, erect, $83,200.

Home Creations, 12000 SW 10, residence, erect, $82,400.

Home Creations, 11101 NW 6 Terrace, residence, erect, $81,400.

Home Creations, 19700 Vivace Drive, residence, erect, $78,300.

Home Creations, 616 Rosemoor Court, residence, erect, $77,800.

Ideal Homes of Norman LP, 14601 Moon Daisy Drive, residence, erect, $73,000.

S&P Adamson Inc., 721 Out West Trail, residence, add-on, $72,000.

Precision Independent Contractors, 3400 S Council Road, manufacturing, install, $50,000.

No name provided, 2313 SW 105 Court, residence, add-on, $50,000.

Travis J. Roye, 18200 SE 95, residence, add-on, $47,000.

Denise Patterson Custom Homes, 3000 Oakdale Forest Road, residence, add-on, $45,000.

James Wilkerson, 1157 NW 82, residence, remodel, $45,000.

Champion Window Co., 9216 Knightsbridge Road, residence, add-on, $44,000.

Florida Construction, 11725 SW 21, residence, erect, $40,000.

Florida Construction, 11728 SW 20, residence, erect, $40,000.

Florida Construction, 2117 Mark J Ave., residence, erect, $40,000.

Mike Rice Construction, 7340 Northwest Expressway, automotive sales, erect, $35,000.

Welcome Home LLC, 9508 NW 14, manufactured home, move-on, $35,000.

Edge Commercial Interiors LLC, 15220 N Western Ave., pet-animal service, remodel, $33,000.

Terry Scrivner Construction, 4316 Gemstone Circle, accessory, erect, $30,000.

Welcome Home LLC, 1108 Templet Drive, man-

1714 W Palm Pl. Nice 3bd 2ba 2car $900mo no section 8 Maria 618-0563

Furnished/Unfurnished Bills Paid » Wkly/Monthly Wes Chase Apts, Elk Horn Apts, Hillcrest 370-1077

787-1620

FREE RENT TIL MAY Newlyremodeled1,2&3beds, Putnam Green, 405-721-2210

» Large 2 bd » 2 K ba » 1500 sf, fp, wet bar, 2 car, PC Schools » $850/mo, No Section 8.

831-8218 9004 Roxbury Terr, OKC

Hotels/Motels 462

WILLIAMSBURG

Off 1st Month's Rent Huge Apartment sizes HUGE Grounds to walk or play 416-5259 TUSCANY VILLAGE

453

$99 SPECIAL Lg 1bdr, stove, refrig., clean, walk to shops. $345 mo. 632-9849

Duplexes

$300 COUPON

OKC Northwest

.

BEAUTIFUL NORTH QUAIL CREEK 3008 Castle Rock Rd 3bd 2ba, $1350 850-5851 7032 Stony Creek, 3/2/2 fp, fenced, NO Pets $975mo $900dep, Move in mid May TMS Prop 348-0720 10305 Little Pond Dr. 3bd, 2ba, 2liv areas, FP, 2 car gar, prvt yard, PC Sch, $995 No Sec 8.

Ray, 740-4108 3926 NW 13th 1bd 1ba house $600mo $300 dep 800sf 409-7989 no sec 8 2 bed, brick, CH&A, Refrig., d/washer, $615 3321 NW 11th. 721-3757 ¡ 3bd, 2ba, 2car $1090 ¡ Exec loft downtown 1bd 1ba $1800 ¡ 405-205-2343 Near Britton & Western, 2 bed, 1 car, ch&a, frig, $525 + $375, 728-3208.

6701 NW 58th St 3bd 1.5ba $800mo $600dep. no pets M-F 495-3460 2213 N College 3bd 1.5ba $800mo $600dep. no pets M-F 495-3460 1719 NW 1st 1/1 $350 Free List 681-7272

OKC Southeast

476

29 SE 33rd 1bed, water & gas paid $350 Free List 681-7272 128 SE 23rd 3bd 1ba lrg storage $495mo 408-5836

OKC Southwest

477

SOUTHERN OAKS For lease 2bed 2bath 2car covered patio, large living area. Schools within walking distance. $950mo + Dep 634-8220 637 SW 46th nice 2bd home, well kept area, ch/a, detached garage, $550 mo. Fidelity RE 692-1661, 410-4200 1524 Rancho Drive, 3 bed, $525 month; 1325 SW 36th, 2 bed, $500 month; $250 deposit each; 631-8039.

3 bed, 2 ba, 1 car, ch&a, fenced yard, Moore schools, $795, 210-6721.

2837 SW 82nd 3/1/1 $725 Free List 681-7272

Spencer

479

3401 Stumpf, 3bd 1ba, $650/mo $500 dep. Ref required. 405-209-4125

Norman

473

Cotton Wood Ridge Condo 2bd 1.5ba 900sf Amazing must see, fireplace, ch/a, New Stove & Dishwasher, Stackable Washer/Dryer $750/month $600deposit 409-7989 No Sec 8 2029 Elmhurst nice 3bd brick home 2car garage ch/a, fresh paint $795mo Fidelity692-1661, 410-4200

Mobile Home Rentals 483 Clean, quiet park. 1BD. 4907 S. Santa Fe. $300/mo 632-5677 Rent to Own: Nice 2&3bd MWC $350&up 390-9777

8F

.

SATURDAY, APRIL 7, 2012

Permits continued FROM PAGE 7F

ufactured home, moveon, $30,000.

Welcome Home LLC, 9632 NW 13 Place, manufactured home, move-on, $30,000.

Welcome Home LLC, 1428 Life Style Lane, manufactured home, move-on, $30,000.

Welcome Home LLC, 9632 NW 12 Place, manufactured home, move-on, $30,000.

Welcome Home LLC, 1609 Life Style Lane, manufactured home, move-on, $30,000.

Clayton Homes, 9009 NW 10, manufactured home, move-on-mobile home park, $30,000.

Beacon Contracting LLC, 2230 S Interstate 35 Service Road, parking, install, $30,000.

Pellham Partners LLC, 1940 NW 164, retail sales, remodel, $30,000.

Donald D. Smith, 19205 Rock Spring Drive, storage, erect, $27,000.

The McKinney Partnership Architects, 9600 Broadway Extension, hospital, remodel, $26,500.

Carlos Navarro, 1346 NW 99, residence, fire restoration, $25,000.

Champion Window Co., 6809 Newman Drive, residence, add-on, $20,000.

Doyle Heck, 3128 S Madole Blvd., residence, add-on, $20,000.

Mark Kesner, 10710 S Portland Ave., equipment, modular, $20,000.

Industrial Plumbing, 11501 N Interstate 35 Service Road, amusement, remodel, $20,000.

Goodman Network, 5007 S Shields Blvd., tower-antenna, modular, $20,000.

Goodman Network, 5007 S Shields Blvd., tower-antenna, install, $20,000.

Jeremy Hudlow, 19201 Newsom Road, manufactured home, move-on, $15,000.

NAI Sullivan Group, 4045 NW 64, office, remodel, $15,000.

Foreman Construction, 1900 N Classen Blvd., retail sales, remodel, $12,800.

Lawrence E. Baker, 3925 N Henney Road, residence, add-on, $10,000.

Pablo Acosta, 1237 SW 19, residence, add-on, $10,000.

Maguire Ohara Construction Inc., 5346 Willow Cliff Road, apartment, fire restoration, $10,000.

Northstar Construction Services, 21 NE 23, restaurant, remodel, $10,000.

Southwest Builders, 7420 NW 112, residence, add-on, $9,687.

Neal Hollingshead, 13016 Briar Hollow Lane, accessory, erect, $8,500.

Dodson Custom Homes LLC, 11016 Waters Welling Way, residence, add-on, $8,125.

Dwight Bruce, 2416

NW 151, residence, addon, $8,000.

Pedro Morales, 3725 NW 27, storage, erect, $8,000.

No name provided, 805 SW 27, residence, remodel, $6,500.

No name provided, 8701 NW 105, residence, install-storm shelter, $5,000.

Ron Hicks, 4216 Old Farm Road, storage, erect, $5,000.

Wade Ruddell, 11156 Folkstone Drive, storm shelter, install-storm shelter, $4,600.

Sarah Fayssoux, 11005 St Charles Ave., storage, install-storm shelter, $4,595.

Walter Riley, 4521 SE 81, storm shelter, installstorm shelter, $4,595.

No name provided, 2708 SW 139, storm shelter, install-storm shelter, $4,595.

No name provided, 8104 S Indiana Ave., storm shelter, installstorm shelter, $4,595.

No name provided, 17000 SE 44, storm shelter, install-storm shelter, $4,595.

Hermes Arevalo, 500 SW 158 Terrace, storm shelter, install-storm shelter, $4,500.

No name provided, 12329 SE 71, storm shelter, install-storm shelter, $4,375.

No name provided, 700 Glenridge Drive, storm shelter, install-storm shelter, $4,050.

Brock Garrison, 1400 Camber , storm shelter, install-storm shelter, $4,000.

Dustin Miller, 1304 Loren Place, storm shelter, install-storm shelter, $4,000.

Stephanie Hertweck, 400 NW 149 Terrace, storm shelter, installstorm shelter, $4,000.

No name provided, 5109 SW 125 Place, storm shelter, install-storm shelter, $4,000.

No name provided, 16230 Old Olive Way, storm shelter, installstorm shelter, $4,000.

Darren Croy, 11712 Marbella Drive, storm shelter, install-storm shelter, $3,995.

Jonathan Overocker, 2205 NW 184 Court, storm shelter, installstorm shelter, $3,995.

Scott Bridal, 2124 Mulberry Creek Ave., storm shelter, install-storm shelter, $3,995.

Vortech Storm Shelters, 2621 NW 114, storm shelter, remodel, $3,945.

Dean Coleman, 5200 SE 86, storm shelter, install-storm shelter, $3,900.

Nicholas Steenburg, 121 Pinefield Drive, storm shelter, installstorm shelter, $3,900.

Owen Lafferty, 14709 Carlingford Way, storm shelter, install-storm shelter, $3,900.

No name provided, 8312 NW 101, storm shelter, install-storm shelter, $3,400.

REAL ESTATE Peggy Barlow Flug, 10712 S Miller Ave., storm shelter, install-storm shelter, $3,325.

Chris Green, 11707 Sierra Road, storm shelter, install-storm shelter, $3,300.

Danny Robbins, 13012 S Robinson Ave., storm shelter, install-storm shelter, $3,300.

Guillermo Bravo, 13125 NW 1 Terrace, storm shelter, install-storm shelter, $3,300.

John Davis Custom Homes LLC, 8348 NW 132 Circle, storm shelter, install-storm shelter, $3,300.

No name provided, 11752 SW 17, storm shelter, install-storm shelter, $3,300.

No name provided, 3117 Prairie Rose Road, storm shelter, install-storm shelter, $3,300.

John Walker, 705 SW 102, storm shelter, installstorm shelter, $3,200.

Ronnie and Sherrie Eaves, 501 SW 159 Terrace, storm shelter, install-storm shelter, $3,200.

Rudolpho Lebraza, 404 Stebbins Drive, residence, install-storm shelter, $3,200.

No name provided, 11708 NW 119, storm shelter, install-storm shelter, $3,200.

Joel and Dia Hendrix, 10713 NW 38, storm shelter, install-storm shelter, $3,198.

Daniel Robles, 3409 Walden Estates Drive, storm shelter, installstorm shelter, $3,195.

Fran Howard, 10916 SW 30, storm shelter, install-storm shelter, $3,195.

No name provided, 6005 SE 84 Place, storm shelter, install-storm shelter, $3,195.

Chuck Robinson Homes Inc., 7416 NE 116, storm shelter, remodel, $3,100.

Daniel Matthews, 6709 NW 115, storm shelter, install-storm shelter, $3,100.

Don Blair, 17121 Wales Green Ave., storm shelter, install-storm shelter, $3,100.

Stephen Chad Bayer, 12013 Sagamore Drive, storm shelter, installstorm shelter, $3,100.

Warren and Richelle Nolan, 705 NW 151 Circle, storm shelter, installstorm shelter, $3,100.

No name provided, 18008 San Mateo Court, storm shelter, installstorm shelter, $3,100.

No name provided, 8533 NW 105 Terrace, storm shelter, installstorm shelter, $3,000.

Bill Rodger, 10625 Pond Meadow Drive, storm shelter, install-storm shelter, $3,000.

Christine Murray, 12716 Arrowhead Drive, storm shelter, install-storm shelter, $3,000.

David and Geraldine Richards, 12901 Laurel Valley Court, residence, remodel, $3,000.

Douglas Vrooman, 2624 NW 31, storm shelter, install-storm shelter, $3,000.

Jacob Jahr, 6221 SE 80,

storm shelter, installstorm shelter, $3,000.

Jennifer Robins, 8032 Erryn Lane, storm shelter, install-storm shelter, $3,000.

Merle Wright, 12120 Old Farm Place, storage, install-storm shelter, $3,000.

Mike Bruce, 7152 NW 102, storm shelter, installstorm shelter, $3,000.

Rvth Gorkuscha, 11316 Shady Glen Road, storm shelter, install-storm shelter, $3,000.

Sabre Properties LLC, 24 NW 144 Circle, recreation center, remodel, $3,000.

Scott and Angela Stayton, 920 NW 168, storm shelter, install-storm shelter, $3,000.

No name provided, 9604 SW 35 Terrace, storm shelter, installstorm shelter, $3,000.

No name provided, 2905 SW 136 Terrace, storm shelter, installstorm shelter, $3,000.

Ammon P. Jenkins Trust, 5512 N Everest Ave., storm shelter, install-storm shelter, $2,999.

Debra S. Haygens, 525 NW 171, residence, installstorm shelter, $2,995.

Derek Hunt, 8512 NW 111, storm shelter, installstorm shelter, $2,995.

Erin Carey, 2129 Mulberry Creek Ave., storm shelter, install-storm shelter, $2,995.

Melba Miller, 33 SW 92 Place, storm shelter, install-storm shelter, $2,995.

Richard and Drew Guillum, 4834 NW 62 Terrace, storm shelter, install-storm shelter, $2,995.

Robert Greg, 8401 Stonewood Drive, storm shelter, install-storm shelter, $2,995.

No name provided, 25 NW 147, storm shelter, install-storm shelter, $2,995.

No name provided, 8901 Estelle Manor Circle, storm shelter, installstorm shelter, $2,995.

THE OKLAHOMAN | NEWSOK.COM Ashley Warner, 4713 Hunter Blvd., storm shelter, install-storm shelter, $2,900.

Carl and Nadine Simcox, 4409 St. George Drive, storm shelter, install-storm shelter, $2,900.

Carol Wortham, 5609 NW 121 Circle, storm shelter, install-storm shelter, $2,900.

Josh Swift, 7425 NW 129, storm shelter, installstorm shelter, $2,900.

Michael Roberts, 532 SW 156 Court, storm shelter, install-storm shelter, $2,900.

Sari Catt-Miller, 9216 Roadrunner Ave., storm shelter, install-storm shelter, $2,900.

No name provided, 5117 Kennington Lane, storm shelter, install-storm shelter, $2,900.

No name provided, 13908 Kirkland Ridge, storm shelter, installstorm shelter, $2,900.

Leslie Hamilton, 804 Wandering Way, storm shelter, install-storm shelter, $2,885.

Jayasekar Thirumacai, 4304 NW 164 Terrace, storm shelter, installstorm shelter, $2,825.

Melanie Moore, 9938 Kay Ridge, residence, install-storm shelter, $2,825.

Christopher Grow, 701 NW 193, storm shelter, install-storm shelter, $2,800.

Eddie Kephart, 4708 SW 124 Place, storm shelter, install-storm shelter, $2,800.

Kim Woodring, 6721 Chelsey Lane, storm shelter, install-storm shelter, $2,800.

Walter Bird, 17509 Wain Bridge Ave., storm shelter, install-storm shelter, $2,800.

No name provided, 15800 Windstop Court, storm shelter, installstorm shelter, $2,800.

No name provided, 12204 SW 8 Place, storm shelter, install-storm shelter, $2,800.

No name provided,

2828 NW 184 Terrace, storm shelter, installstorm shelter, $2,795.

Christopher Hogan, 1713 NW 195 Circle, storm shelter, install-storm shelter, $2,795.

Gary Masters, 709 SW 102, storm shelter, installstorm shelter, $2,795.

No name provided, 613 Ellsworth Ave., storm shelter, install-storm shelter, $2,795.

Jerris and Heather Johnson, 19709 Meadow Bend Ave., storm shelter, install-storm shelter, $2,750.

No name provided, 10300 Glascow Drive, storm shelter, installstorm shelter, $2,725.

Shounk Chakiabarty, 12002 Rivendell Drive, storm shelter, installstorm shelter, $2,700.

Steve and Debra Jackson, 6213 Cloverlawn Court, storm shelter, install-storm shelter, $2,700.

No name provided, 2808 NW 167, storm shelter, install-storm shelter, $2,700.

Lawnmaster Outdoor Living, 408 SW 173, cabana-gazebo, erect, $2,599.

Anthony Grills, 5225 Horizon Blvd., storm shelter, install-storm shelter, $2,500.

Joe Cannon, 10001 Prosper Drive, storm shelter, install-storm shelter, $2,500.

Trevor D. Linddell, 11802 NE 38, residence, remodel, $2,500.

Dean Ritter, 8005 Harvest Hills Road, storm shelter, install-storm shelter, $2,495.

CPX, 2424 SW 29, retail sales, remodel, $2,000.

Danny Thomas, 14500 S Broadway Ave., installstorm shelter, $1,800.

No name provided, 2309 SW Grand Blvd., residence, add-on, $1,300.

No name provided, 721 SW 30, residence, add-on, $1,200.

Demolitions

Ray’s Trucking, 2605 SW 62, accessory, shed.