At Home Colorado

‘Right-Sizing’ At West Edge In Colliers Hill For A Perfect Fit

Final lower maintenance, main- oor homes now available in Erie by Boulder Creek Neighborhoods

ATHOMECOLORADO.COM

COLORADO HOME & REAL ESTATE

CONTRIBUTING WRITERS

Gabe Bodner

Duane Duggan

Sarah Huber

Tom Kalinski

Zach Mentz

Rob Proctor

Lindsay VanSomeren

ADVERTISING CONSULTANTS

Thais Hafer

Toni McNeill

REAL ESTATE ADVERTISING DIRECTOR

Mary Romano

MANAGING EDITOR

Greg Stone gstone@prairiemountainmedia.com

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HOME FINANCE

So you haven’t been sticking to your resolutions. Here’s how to reset and crush the rest of the year

By Lindsay VanSomeren Bankrate.com (TNS)

Nearly 9 in 10 Americans (86%) had at least one financial goal going into 2024, according to a recent Bankrate survey. But having a goal and being able to take steps to achieve it are two different things. If you’re one of the millions of people who set New Year’s resolutions every year, especially financial ones, you’re likely familiar with this hamster wheel. You have high hopes in December of making positive changes to your life as soon as the clock strikes midnight, but by the end of January, things have gone awry.

If that sounds familiar, don’t worry — here’s how to make a strong comeback.

Set SMART goals

Maybe you’ve heard about this goalsetting technique, but it’s always a good time for a refresher. SMART goals can ease the process of creating a successful 2024 roadmap.

What is a SMART goal? Rather than having something vague like “save more money” or “read more,” a SMART goal helps you create a path to success.

SMART goals

• Specific: What are you saving money for — an emergency fund? A vacation? A down payment? All of the above? Be specific about why you want to achieve your goal.

• Measurable: How much do you want to save? A total amount, like $10,000? Or maybe a fixed amount per month, like $100? Put real numbers on your goal so you know where to aim.

•Achievable: Thinking about your life, are you actually able to achieve this goal? We all want to save as much as possible, but we need to set goals within our limits. Otherwise, we’re just setting ourselves up for failure. Does your savings goal fit within your budget?

•Relevant: How important is your savings goal? Will it improve your life in a way you’ve previously found lacking? Does it fit in with your longterm picture, or are you simply doing it because you think you should?

• Timebound: Give yourself a deadline. When do you want to reach your savings goal? Without a deadline, it’s too easy to weasel out of it. A deadline helps you make a commitment.

Here’s what a SMART resolution to save more money might look like: Save $100 per month so that by this time next year, you’ll have $1,200 set aside for emergencies to protect your family. To fortify your plan, you can even set up automatic savings transfers with your bank each month.

Give yourself permission to fail (at least temporarily) It’s all too easy to focus on your failures and toss the whole thing out the window the first full week you don’t follow through with your goal. Instead, try something different: Give yourself permission to fail, at least for a bit. Expect that you will. Embrace it as part of the process.

And then, give yourself permission to get started again. No matter how many times it takes, give yourself grace so that it’s easier to start again rather than being a source of shame and avoidance. Celebrate getting back on the wagon (again… and again… and again, if necessary) just as much as you celebrated your goal at the start of the new year.

Over time, you’ll probably find that each time you restart, you’ll be able to go just a little bit longer each time — until eventually, you’re able to keep up your new habit for good. After all, a 2016 study from the Ontario Tobacco Research Unit showed that it actually takes most

smokers 30 or more attempts to quit before finally becoming successful. If you stop trying to pursue your goal after a small failure, you may never get there.

Assess what isn’t working

When we create goals, we set them with the best information we have at the time. But sometimes, we don’t have the full picture.

Maybe you want to get healthier, but an undiagnosed medical condition is preventing that. Other times, we might be a bit too ambitious. It’s hard to figure out a good amount to save if you haven’t set up a budget. Or — more commonly — things change, and what used to be attainable no longer is. Maybe you wanted to take a luxurious vacation, but inflation’s hit your wallet so hard that you’re no longer able to save toward this goal.

In any case, if you find that you’re coming up short in reaching your goals consistently, it’s a good idea to step back and try to diagnose why.

Do you find it hard to stick to your budget because you don’t want to log in and update it? If so, what’s behind that fear — are you afraid you won’t have enough money, or that you’re never able to reconcile your balances with your budget? Maybe it’s not fear at all and you just find the updates tedious. In that case, something like a budgeting app that updates automatically might help you better manage your goals.

Keep in mind: Figuring out why your goal isn’t working lets you

©2024 Prairie Mountain Media.

Nearly 9 in 10 Americans (86 percent) had at least one financial goal going into 2024, according to a recent Bankrate survey. (Photo: Dreamstime/TNS)

TOM KALINSKI

In today’s ercely competitive real estate market, standing out is paramount. And when it comes to making a lasting impression, few spaces hold as much sway as the heart of the home – the kitchen. With interest in kitchen remodels rising, now is an excellent time to breathe new life into this pivotal space.

According to the recently released results of a survey conducted by Houzz, Inc., a leading home remodeling and design platform, spending on kitchen remodels has surged signi cantly. e median expenditure for major remodels saw a 22% increase over the past year, reaching $55,000. is marks

In today’s ercely competitive real estate market, standing out is paramount. And when it comes to making a lasting impression, few spaces hold as much sway as the heart of the home – the kitchen.

a substantial 57% growth since mid-2020, re ecting the enduring importance homeowners place on

kitchen renovations.

Even minor remodel spending has experienced a notable uptick,

reaching $18,000 in mid-2023, re ecting a 29% year-over-year

The disadvantages of buying fixer-uppers are obvious: they take time and money to make them livable.

The advantages, while not as obvious, may just outweigh the disadvantages for certain buyers or in certain types of markets.

With a fixer you may just be able to create the home of your dreams instead of settling for a floor plan or flow that doesn’t really work for you.

Plus, if you play your cards right, you can get an amazing loan that will wrap the cost of the rehab work into the mortgage. You’ll get more house for the money and it will be customized to your tastes and lifestyle.

Loans for fixers

One of the easiest ways to pay for the rehab of a fixer is with FHA’s 203(k)

program. This loan is provided by the U.S. Department of Housing and Urban Development (HUD).

It’s basically an FHA-backed loan that allows for both the cost of the home plus the amount needed to rehab it – all rolled into one monthly payment.

One of the biggest advantages to the FHA 203(k) program is that you won’t be required to make your first mortgage payment until you are actually living in the home.

Property qualifications

For a dwelling to qualify for the 203(k) program it must:

• Be at least one-year old.

• Retain the existing foundation if it’s to be demolished.

• Have all work confined to the home’s interior if it’s a condo.

• Be valued within FHA’s mortgage limit. FHA values the property either by its value before the rehab plus the cost of the rehab, or at “110 percent of the appraised value of the property after

rehabilitation, whichever is less,” according to the FHA.

Borrower qualifications

The qualifications for the 203(k) loan program for the borrower are identical to those of the standard FHA-backed loan. The borrower must:

• Be able to prove consistent employment, preferably with the same employer or the same line of work, for at least the past two years.

• Have a social security number and be a lawful resident of the United States.

• Intend to live in the home.

• Prove to the lender that your mortgage payments won’t exceed 30 percent of gross income.

• Have monthly debts that total to no more than 43 percent of gross income.

• Not have a bankruptcy on record for at least two years, a foreclosure in the last three years.

• Have a credit score of at

least 580.

The aforementioned requirements are HUD’s – the lender may have more stringent standards. In fact, many lenders won’t approve an applicant who has a credit score lower than 620.

You must also use an FHAapproved lender. HUD has a list of them on its website.

As a side note, never is a home inspection more important than when purchasing a home that needs work. While much of the necessary repairs are easy to see, there may be even more damage that isn’t apparent. Never waive the home inspection.

Rob Proctor is the Broker/Owner of At Home Real Estate Company in Loveland. Born and raised in Loveland, Rob calls Northern Colorado (Loveland, Fort Collins, Greeley and Windsor) his home with his wife and three daughters. To contact Rob, call 970.481.2133, e-mail rob@athomerealestateco.com or visit athomerealestateco.com.

Navigating the reverse mortgage market: the importance of the lender experience

In the realm of reverse mortgages, where seniors seek financial stability through leveraging their home equity, choosing the right lender is critical. With numerous loan options available, comparing lenders becomes an important step in ensuring the proper education and a smooth transaction. While interest rates and fees are significant factors to consider, one of the most important factors is often overlooked, and that is the lender’s experience.

be complex and time-consuming. Therefore, choosing an experienced lender who has successfully closed numerous reverse mortgage loans and who is well-versed in handling these intricacies efficiently will minimize delays and ensure a seamless experience for the borrower.

Understanding senior needs

Experience matters

When it comes to reverse mortgages, experience isn’t just a desirable trait, it is essential. Navigating the intricacies of reverse mortgage transactions requires a deep understanding of the different products available, the regulations, and the unique needs of senior borrowers. An experienced lender brings a wealth of knowledge and insights to the table, which can make all the difference to ensure a successful outcome of the loan process.

Closing expertise

Closing a reverse mortgage loan demands a specialized skill set that goes beyond traditional mortgage lending. From documentation to compliance with stringent regulatory requirements, the closing process can

Seniors exploring reverse mortgages often have specific financial goals and concerns. Whether it’s supplementing retirement income, covering healthcare expenses, or preserving assets for heirs, the lender must have a deep understanding of these unique needs. An experienced lender who has worked extensively with senior clients can offer personalized guidance tailored to individual circumstances, helping borrowers achieve their financial objectives effectively.

Navigating regulatory landscape

The landscape of reverse mortgage regulations is constantly evolving, with updates and changes that can impact the loan process. An experienced lender stays current on the ever-changing regulatory developments, ensuring compliance at every step of the process. From HUD guidelines to state-specific requirements, they have the expertise to navigate the regulatory maze, providing peace of mind to borrowers and safeguarding their interests.

Building trust and confidence

In the realm of financial transactions, trust is paramount. Seniors embarking on a reverse mortgage journey need to feel confident

that they are in capable hands.

An experienced lender who has a proven track record of closing reverse mortgage loans instills trust through their knowledge, professionalism, and commitment to client satisfaction. This trust forms the foundation of a strong borrower-lender relationship built on transparency and integrity.

Choosing the right lender

When comparing lenders for a reverse mortgage, it’s essential to prioritize experience in closing reverse mortgage loans. Look for lenders who have a long-standing presence in the industry, a robust track record of successful closings, and a reputation for excellence in customer service. Don’t hesitate to ask about their experience specifically with reverse mortgages and inquire about case studies or testimonials from satisfied clients.

In conclusion, while interest rates

and fees are important considerations when comparing reverse mortgage lenders, don’t overlook the significance of experience, once again specifically in closing reverse mortgage loans. An experienced lender brings invaluable expertise, insight, and peace of mind to the table, ensuring a smooth and successful transaction for senior borrowers seeking to unlock the equity in their home. Choose wisely so you can start on your reverse mortgage journey with confidence.

Gabe Bodner is a retirement mortgage planner and licensed mortgage originator in Colorado. Gabe utilizes the latest research from the top researchers to assist his clients in living for today and planning for tomorrow. To reach Gabe, call 720.600.4870, e-mail gabe@bodnerteam.com or visit reversemortgagesco.com.

GABE

Pantone announces its Color of the Year 2024

By Zach Mentz Tribune News Service (TNS)

CARLSTADT, N.J. – Pantone, the global authority on colors, has announced its 2024 Color of the Year.

Peach Fuzz, known officially as Pantone 13-1023 Peach Fuzz, is Pantone’s Color of the Year for 2024, the company announced.

Pantone describes Peach Fuzz as “a velvety gentle peach whose all-embracing spirit enriches mind, body, and soul,” the company said in a news release. In addition, Peach Fuzz is “a heartfelt peach hue bringing a feeling of tenderness and communicating a message of caring, sharing, community and collaboration,” according to the company.

“A cozy peach hue softly nestled between pink and orange, Pantone 13-1023 Peach Fuzz brings belonging, inspires recalibration, and an opportunity for nurturing, conjuring up an air of calm, offering

us a space to be, feel and heal and to flourish from whether spending time with others or taking the time to enjoy a moment by ourselves,”

Leatrice Eiseman, executive director for Pantone’s Color Institute, said in a news release. “Drawing comfort from Pantone 13-1023 Peach Fuzz, we can find peace from within, impacting our wellbeing. An idea as much as a feeling, Pantone 131023 awakens our senses to the comforting presence of tactility and cocooned warmth.”

Pantone’s selection of Peach Fuzz as its 2024 Color of the Year marks the company’s 25th anniversary of its Color of the Year program, which began in 1999. The first Color of the Year introduced by Pantone was Pantone 15-4020 Cerulean Blue.

The Pantone Color of the Year for 2023 was Viva Magenta. Pantone says its Color of the Year program “captures the global zeitgeist, serving as an expression of a mood and an attitude on the part of the consumer,” according to the release.

More details on Peach Fuzz being named Pantone’s 2024 Color of the Year can be found online.

Peach Fuzz, known officially as Pantone 13-1023 Peach Fuzz, is Pantone’s Color of the Year for 2024. (Photo: Shutterstock).

REAL ESTATE Buying a 4-unit apartment for your first home

Typically, when individuals embark on their journey as first-time home buyers, their initial considerations often revolve around condominiums, townhomes, or modest starter homes. The idea of contemplating a 4-unit apartment as their initial residential choice seldom occurs to many. Nevertheless, this option could serve as an excellent entry point for establishing a real estate portfolio and securing future financial stability.

In the current mortgage landscape, there are several options available for initiating the home-buying process. Initially, prospective homebuyers must meet with a mortgage lender specializing in owner-occupied financing for 4-unit properties. However, a crucial prerequisite is that the buyer must reside in one of the units while renting out the remaining three—a key condition. The primary advantage is that, as an owneroccupant, the purchaser can acquire the property with a reduced down payment. For instance, if opting for an FHA loan, the down payment can be as low as 3.5%, and conventional programs may offer options with a 5% down payment. This lower initial investment allows entry into the investment realm without the necessity of accumulating a substantial 20% or 25% down payment typically required for a first multi-unit property. Nevertheless, meeting the loan qualifications remains essential, underscoring the pivotal role of scheduling a meeting with a mortgage lender as the crucial first step in the process.

I asked Jodi Showman from CMG Home Loans to provide an example of a conventional owner-occupied 4-unit purchase. Interest rates, prices, taxes, insurance, and miscellaneous expenses all vary, so the prospective homebuyer will need to review each property on an individual basis. The example below shows a purchase price of $$889,000 and a 5% down payment of $44,450. Remember, the homebuyer will be living in one unit but will have rent coming in from

the other 3 units to help pay the mortgage payment, a major benefit to this plan. The net impact of this example is that the homebuyer will be paying $2,718 a month to own a $889,000 fourplex—probably about the same as one would pay for a $385,000 condominium. The noteworthy aspect here is that the homebuyer will possess an asset valued at $889,000, which will appreciate at the prevailing rate of housing market appreciation, rather than owning an asset valued at $385,000. In the example below, a 4% appreciation rate is used. No one knows how much real estate will go up or down but based on the history of Front Range Colorado real estate, 4% stands a pretty good chance of being fairly accurate.

• $889,000 Purchase Price

• $844,550 New Loan Amount

• $44,450 Down Payment @ 5%

• $6759 PITI/PMI at an Interest Rate of 7%

• $1485 Property Expenses

• $8064 Total Estimated PaymentPITI/PMI

• $6846 Current Monthly IncomeBased on Current Rent Schedule

• -$1500 Current tenant who pays this amount moves out

• $5346 Remaining Income from the other 3 units

• $8064 - $5346 = $2718 Borrower Contributes Monthly

• Borrower/Buyer only pays $2718 per month to own an $889,000

4 Plex.

• 4% Appreciation of $889,000 equals $35,560/12 months = $2963 per month in the First Year, less $2718 Monthly remaining mortgage payment equals a net profit of equity each month of $244 ($2963-$2718)

• Return on a $44,450 down payment investment equates to a 5.5% return

• $2,718 payment = estimated purchasing power of a single unit price at $385,000

At some point in the future, this purchase is likely to provide a foundation for purchasing another home and hopefully keeping the first 4-unit purchase in the homebuyer’s real estate portfolio.

As part of the decision-making process for this venture, the homebuyer should also consult a CPA to determine any tax impacts. Likely, the homebuyer will also receive a tax benefit for depreciating the investment part of the property. Then the homebuyer can apply those benefits to the formula that Jodi provided in the example above. Since the homebuyer would be living in ¼ of the building, that part will fall under the personal residence rules. The other ¾ will fall under investment property rules. When the homebuyer decides to sell or exchange the property, part of it will fall under the owner-occupied rules and the other part under the

investment property rules. The homebuyer will also want to discuss with their CPA how it will impact them, assuming the homebuyer decides to keep the 4-unit after moving into another home. Should the homebuyer prefer to avoid the daily challenges associated with managing three tenants, it is advisable to explore the option of interviewing and appointing a property manager. This would enable the homebuyer to reside on the property without the need to handle tasks such as showings, rental applications, leases, and other responsibilities typically undertaken by property managers.

A team of professionals, including a Realtor®, mortgage professional, property manager, attorney, and CPA, can collaborate to devise a tailored solution that suits the homebuyer’s specific needs.

Duane graduated with a business degree and a major in real estate from the University of Colorado in 1978. He has been a Realtor® in Boulder since that time. He joined RE/MAX of Boulder in 1982 and has facilitated over 2,500 transactions over his career. Living the life of a Realtor and being immersed in real estate led to the inception of his book, Realtor for Life. For questions, e-mail duaneduggan@boulderco.com, call 303.441.5611 or visit boulderco.com.

DUANE DUGGAN

In response to the in property values, the FHFA has declared an increase in the maximum baseline conforming loan limits for Fannie Mae and Freddie Mac-acquired mortgages for home loans in Colorado for the year 2024.

After

‘Right-Sizing’ At West Edge In Colliers Hill For A Perfect Fit

Final lower maintenance, main-floor homes now available

By Sarah Huber At Home Colorado

After 24 years in a 3,000plus square foot house in Longmont, Peggy and Greg Warson decided it was time to find a home that fit their season of retirement. They took their time, gradually familiarizing themselves with new home communities around Boulder County even as they edited down their belongings by 50 percent.

“We knew what our parents had

gone through, so we wanted to get in front of it,” Peggy recalled. They were looking for a main-floor, lowermaintenance home with room for grandchildren sleepovers. They also did their research on builders. “We were very impressed with Boulder Creek,” Greg said. “The homes were quality, and they paid attention to the details.”

After four years of on-and-off searching, the Warsons were on their way to see a house that they thought was what they wanted when their realtor led them first to a home at

West Edge in Colliers Hill in Erie by Boulder Creek Neighborhoods. “We walked in and saw how well everything was thought through,” Peggy said. “With many of the houses we looked at, because we wanted a smaller footprint, there was hardly anywhere to put your stuff. Here there was plenty of storage, and the finished basement still had a section that was unfinished for things like Christmas decorations. It was like they thought out the design for exactly what we needed.” They decided on the Belford

floor plan at West Edge and, said Peggy with a laugh, “never went on to that other house.” She continued, “We liked that we could age in this house.” The hallways are wide, electrical plugs are raised to minimize bending and light switches are slightly lowered. “So you never have to put yourself in any imposition,” she said. Most importantly, main-floor living ensures easy accessibility. “In our home in Longmont, we had four bedrooms upstairs,” said Peggy. “This home has four bedrooms as

24 years in a 3,000-plus square foot house in Longmont, Peggy and Greg Warson decided it was time to find a home that fit their season of retirement.. (Photo: Boulder Creek Neighborhoods).

well, but now I have a craft/sewing room, and we have room for our granddaughters to visit.” The Belford counts about 1,500 square feet on the main floor, with the finished lower level putting the home at nearly 2,800 total square feet.

The sizing and design are intentional, said Boulder Creek Neighborhoods’ chief revenue officer Jessica Champlin. She explained, “We like to call it right-sizing instead of downsizing because we believe that the design of the home is truly more important than the overall square feet. Our homes at Colliers Hill are designed with main-floor living in mind – so that life’s daily conveniences are within easy reach, but features like patios, courtyards and finished lower levels mean that spaces can flex to the needs of the homeowner.”

Timing was key for Peggy and Greg. They put their Longmont home on the market and sold quickly last June. “We thought we’d see what happened, and it worked out perfectly,” said Peggy. They spent the summer at an Airbandb a couple blocks from their grandkids in Denver, then closed on their West Edge home in September. “It was a blessing,” said Peggy. “We loved our time with the girls, and we were so excited to move into our new home.”

Peggy, who said she “isn’t an interior decorator,” appreciates that their West Edge home was finished by Boulder Creek Neighborhood’s team of professional designers. “It’s beautiful,” she said. “Everyone comes in and says, ‘Wow, it’s bigger than I thought it would be.’” The tall ceilings and “carefully thoughtout design,” as Greg said, makes for an intuitive, comfortable setting.

The Warsons wanted an efficient home and were pleased to learn that a tankless water heater and highefficiency appliances are standard at West Edge. After a lifetime in finance with Sun Microsystems, later acquired by Oracle, Greg quickly noticed that the utility bills for their new home were less than expected. “The home feels very tight and solid,” he said.

“People keep asking us, ‘Why move now?’” noted Peggy. “Part of the answer was how much snow we got last year.” The Warsons were ready “to be done with all that.” Their Longmont home had a large yard, and most Saturdays, Peggy and Greg spent hours mulching, weeding

“We like to call it right-sizing instead of downsizing because we believe that the design of the home is truly more important than the overall square feet.”

– Jessica Champlin, Boulder Creek Neighborhoods

or mowing. At West Edge, Peggy hopes to do some gardening, but she and Greg are happy the front lawn will be cared for by the community lifestyle association.

Out back, a fenced yard is a favorite hangout for their dog, Tucker, and a bonus for the Warsons, who said a fenced space was uncommon in other lowermaintenance homes they considered. The backyard “gives us room for creativity, but we’re still keeping it simple,” Greg said. They opted for artificial turf behind their home, in part because they enjoy traveling in the summer. “We want to be able to lock and leave,” Peggy remarked.

With lawn care off their list of things to do, the Warsons anticipate getting back into some of their hobbies. Peggy has already

connected with a quilt shop in Erie and is looking forward to meeting other crafters. Greg said he is grateful to have time to pick up photography and fly fishing again.

They are also eager to enjoy the area – and they recently purchased electric bikes to make that more feasible. More than 15 miles of trails connect the community, and play fields are fun places to gather with friends.

Greg added, “Walkability was important to us. We can walk downtown in minutes, get a cup of coffee.” He’s checked out the Colliers Hill community center, The Overlook, and regularly exercises at the Erie Recreation Center, both near their home. “And we have easy access to I-25 to visit our family in Denver,” said Peggy. “We’re able to keep in touch with our friends in Longmont and our church in

Boulder. It’s an ideal location.”

Finally, Peggy and Greg credit the Boulder Creek Neighborhoods’ team for making the move so smooth. “They were very responsive,” Peggy said. “They really listened to what we wanted in a home.”

Listening is intrinsic to Boulder Creek’s mission as a lifestyle builder, said Champlin, stating, “The Boulder Creek sales team is focused on understanding the needs of each individual homebuyer. We ask a lot of questions in the hopes of finding the new home that’s right for each family.”

West Edge at Colliers Hill is one of the few lower-maintenance communities with main-floor living in Boulder County. Only five homes are still available. Final homes start at just under $900,000. To learn more, visit DwellWestEdge.com or call 303.309.0088.

West Edge floor plans prioritize main-floor living, creating a streamlined, modern home.

(Photo courtesy: Boulder Creek Neighborhoods).

Floor plans offer three to four bedrooms.

(Photo: Boulder Creek Neighborhoods).

OPEN HOUSES QUICK GUIDE TO

BOULDER

4625 15th St., Unit B

$695,000

Sun., 11 a.m.-1 p.m.

Matt Urlacher

RE/MAX Alliance

4588 Pussy Willow Court

$1,029,000

Sat., 11 a.m.-1 p.m.; Sun., 1-3 p.m.

Phil Booth

Slifer Smith & Frampton

740 Rockway

$1,099,900

Sun., 12-2 p.m.

Sally Moser

Silver Peak Realty (303) 829-3740

250 Mohawk Drive

$1,100,000

Sat., 11 a.m.-1 p.m.

Alison Sirlin

Live West Realty (720) 329-1727

3896 Wonderland Hill Ave.

$1,750,000

Sun., 11 a.m.-1 p.m.

The Bernardi Group

The Bernardi Group (303) 402-6000

2030 20th Street, #3

$1,775,000

Sun., 1-3 p.m.

Katie Atkins

RE/MAX of Boulder (720) 365-1043

290 Mohawk Drive

$1,850,000

Sat., 11 a.m.-1 p.m.

Jennifer Rutherford

WK Real Estate (720) 388-9818

952 Utica Circle

$1,998,000

Sat., & Sun., 12-2 p.m.

Mike Harris

WK Real Estate (303) 501-3621

225 Bristlecone Way

$2,400,000

Sat., 1-3 p.m.

Craig Peterson

WK Real Estate (303) 913-7594

8495 Arapahoe Road

$2,549,000

Sun., 11 a.m.-1 p.m.

The Bernardi Group

The Bernardi Group (303) 402-6000

735 Mapleton Ave.

$4,175,000

Sat., & Sun., 2-4 p.m.

The Bernardi Group

The Bernardi Group (303) 402-6000

FIRESTONE

6718 Thistle Ridge Ave.

$725,000

Sat., 12-2 p.m.

Kit Magley

RE/MAX Alliance

LAFAYETTE

413 Elk Trail $1,295,000

Sun., 12-2 p.m.

Barry Remington

WK Real Estate (720) 373-9297

LONGMONT

1601 Great Western Drive, Unit P-8

$390,000

Sun., 1:30-3 p.m.

Andrew Muller

RE/MAX of Boulder (303) 434-6633

640 Gooseberry Drive, #1108

$460,000

Sat., & Sun., 2-5 p.m.

Lisa Breternitz

WK Real Estate (720) 835-7038

1614 Tulp Court

$575,000

Sat., 10 a.m.-2 p.m.

Jan Marose

RE/MAX Alliance

5636 Cottontail Drive

$979,999

Sat., 11:30 a.m.-1:30 p.m.

Barry Remington

WK Real Estate (720) 373-9297

837 Incorrigible Circle

$1,550,000

Sat., 1-3 p.m.; Sun., 12-2 p.m.

Suzy Williamson

RE/MAX Alliance

1333 Onyx Circle

$1,600,000

Sun., 1-3 p.m.

Cynthia Hogarth

WK Real Estate (303) 579-4884

LOUISVILLE

770 Owl Court

$950,000

Sat., 12-2 p.m.

Mary Kathryn Wood

WK Real Estate (303) 859-2766

821 Pinehurst Court

$1,525,000

Sat., 11 a.m.-1 p.m.; Sun., 12-2 p.m.

Dan Kingdom

WK Real Estate (303) 541-1924

LOVELAND

3245 Huckleberry Way

$1,029,000

Sat., 11 a.m.-2 p.m.

Bob Sprague

Love Northern Colorado Real Estate (970) 372-8520

THORNTON

9341 Harrison St.

$475,000

Sat., & Sun., 1-3 p.m.

Phil Booth

Slifer Smith & Frampton (303) 817-8307

identify areas that you can smooth out so that it does work going forward.

Adjust your goals if needed

If you’ve failed several times, figured out why it’s not working, and can’t figure out a good way to fix it, an update to your goal might be in order. The same applies if your situation suddenly changes and your goal isn’t achievable anymore.

Think about what you wanted to achieve — saving more money for a vacation, learning to budget, increasing your income, etc. — and figure out how you can change your goal so that you still reach your ultimate objective.

Ideas to adjust your goals

•Scale it back: Instead of saving $200 per month, maybe all you can do is $100 or even just $10 — but that’s still progress. If you can’t get a raise at work, consider taking on a side hustle.

•Adjust your timeline: If you’d hoped to save $4,000 for a European vacation by next year, maybe postponing your trip for another year so you can keep saving is a viable option. If your goal was to pay down your debt in a year, give yourself two years to do it.

Adjust your strategies

Your goals are what you’re trying to achieve, but your strategies are how you get there. And if your strategies aren’t working, they may also need an update of their own.

Ideas to adjust your strategies

•Create a budget: Without a plan for your money, it’s hard to reach your goals, whether it’s to spend less money or save for a certain goal. There are budgeting styles that can fit almost any lifestyle.

•Create a schedule: If your goal is time-based, like wanting to spend more time with family or more time exercising, try creating a schedule with time blocked off specifically for that goal.

•Use a to-do list app: To-do list apps like Todoist and Microsoft To Do can help you by setting up recurring reminders for you according to specific time frames, like every day or every other Thursday.

•Use a habit tracker app: Similar to a to-do list app, habit-tracking apps like Habitica and Beeminder allow you to gamify and track your progress toward one or more goals at a time.

•Find a support group: Tough goals, like boosting your health or getting out of debt, are sometimes easier to achieve if you meet with a support network of friends going through the same challenges as you on a regular basis.

Remember to appreciate your progress

Along the same lines as giving yourself permission to fail, it’s also important to appreciate any progress you make. Maybe you didn’t reach your goal of 52 hikes in a year, but even if you only made it to five hikes, that’s still five fun experiences you got to go on.

You can also try setting up rewards along the way to help motivate you and make you appreciate the small steps you’re taking toward your larger goal. For example, for every week that you go while spending less time on social media, you could reward yourself with something else you like, such as a fun book or video game.

And if you’re still having trouble reaching your SMART goals? Don’t be afraid to ask for outside advice. A professional nutritionist or personal trainer can help you become healthier, while An accredited financial advisor or a licensed credit counselor can help you get a better grasp of your finances.

Key takeaways

• New Year’s resolutions can be hard to stick to, no matter how wellintentioned you are about your new goals.

• If your resolutions have fallen by the wayside, you might benefit from reevaluating your strategy and setting more specific goals.

• Following the SMART goal strategy can help you turn your resolution into actionable items — just don’t forget to give yourself grace as you make mistakes and figure out what method works best for you.

952 Utica Circle Boulder

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5636 Cottontail Drive Longmont

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225 Bristlecone Way Boulder

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1333 Ony x Circle Longmont

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Forge

• J & T Feeds

• June’s Team/Keller Williams 1st Realty

• KGuard • Kitchen Warehouse Direct LLC

• LADY LED LUXURY

• Laser Design Etch-o-logy

• LeafFilter Gutter Protection

• LeafGuard Colorado

• Lemons Heating & Cooling

• Life Seed Company

• Lifetime Bath & Shower • M & M & Things

• Made in the Shade Front Range

• McCreery & Sun of Colorado Inc

• McDonald Toyota

• Miracle Method Surface Refinishing

• Mitchell’s Flooring & Design

• Mongan s Own Lotions

• Nex-Gen

Prepping to sell your home

increase, more than double the $8,000 median spend in mid-2020. Despite escalating costs, 36% of responding homeowners cite financial preparedness as a primary motivator for initiating kitchen updates.

The insights gleaned from the 2024 U.S. Houzz Kitchen Trends Study offer valuable guidance for homeowners looking to prepare their properties for sale. One standout finding from the report is the resurgence of open-concept kitchens, signaling a departure from the closed-off kitchen trend of the pandemic years. A considerable 43% of homeowners now prefer their kitchen open to other interior spaces, while 23% opt to extend their kitchens to the outdoors.

What’s the drive behind the shift towards open spaces? Functionality takes the lead, with 64% of respondents aiming to enhance the usability of their kitchens. Additionally, 54% wanted to expand their entertaining space, while 47% appreciated the aesthetic appeal of

an open floor plan. Knocking down walls to achieve an open floorplan is a popular choice, with nearly twothirds of respondents opting for this approach, while a quarter choose wider door openings through double doors or a row of doors.

Further insights on homeowner preferences from the 2024 U.S. Houzz Kitchen Trends Study include:

Larger Islands: Over twofifths of homeowners opt for islands exceeding seven feet long. Conversely, islands measuring less than six feet have declined in popularity by 5% year over year. Why are bigger islands popular? Homeowners reported using islands for entertaining and socializing.

Colorful Cabinetry Accents: While white cabinet remains dominant, with 46% expressing this preference, wood and green tones slightly increased — 25% and 4%, respectively. Blue remains a favored color for island cabinets, and green has grown in popularity for contrasting island cabinets.

High-Tech Appliances: More than half of homeowners opt to replace all appliances during renovations, with 44% preferring high-tech features. Thirty percent of homeowners choose appliances with Wi-Fi connectivity, while 29% prefer smartphone/tablet-controlled appliances.

Elevated Backsplashes: Most homeowners — 86% — replace backsplashes during renovations, with 62% extending the backsplash to the cabinets or range hoods and 10% reaching up to the ceiling. Ceramic or porcelain tiles remain the most popular material, preferred by 54% of respondents, followed by engineered quartz at 11% and natural stone varieties like marble, quartzite, and granite at 9%, 6%, and 4%, respectively.

Longevity-Centric Design: Special considerations for aging in place are gaining prominence. Features such as pullout cabinets, extra lighting, and wide drawer pulls are being incorporated to meet these future needs. Safety features like nonslip

flooring and rounded countertops are also being integrated into kitchen designs.

The 2024 U.S. Houzz Kitchen Trends Study offers a comprehensive roadmap for homeowners and industry professionals, providing valuable insights into evolving trends and preferences in kitchen design and renovation. So, to make your home stand out in the market, consider giving your kitchen some modern love – it could help unlock your property’s full potential.

To delve deeper into the findings of the study, visit www.houzz.com/ magazine/2024-u-s-houzz-kitchen -trends-study-stsetivw-vs~ 173163818.

Tom Kalinski is the broker/owner of RE/MAX of Boulder, the local residential real estate company he established in 1977. He was inducted into Boulder County’s Business Hall of Fame in 2016 and has a 40-year background in commercial and residential real estate. For questions, e-mail Tom at tomkalinski33@gmail.com,

COLORADO

To view a more cities and a more complete list of new home communities and builders across the Colorado Front Range, view our interactive map online at: www.AtHomeColorado.com/NewHomeMap

Our region is home to more than 700,000 residents and includes some of the most diverse, natural landscapes and sustainable development along the Northern Front Range of Colorado. It’s no wonder why those who live here stay and why our the area is coveted as a place to relocate to. Here we highlight a selection of the area’s new home communities and which builders are building where.

BERTHOUD

1 Farmstead

Builder: Sage Homes

2 Rose Farm Acres

Builder: Richmond American

BOULDER

4 Velo Condos

Builder: Thistle Velo LLC

BROOMFIELD

5 Baseline Colorado

Builders: Boulder Creek

Neighborhoods, Meritage Homes, Thrive Home Builders

6 Vive on Via Varra

Builder: Meritage Homes

ERIE

7 Coal Creek Commons

Builder: Century Communities

8 Colliers Hill

Builders: Boulder Creek

Neighborhoods, KB Home, Richmond American

9 Compass

Builder: Lennar

11 Erie Highlands

Builder: Oakwood Homes

12 Erie Village

Builder: Porchfront Homes

13 Flatiron Meadows

Builder: KB Home, Taylor Morrison, Toll Brothers

14 Morgan Hill

Builder: Lennar

15 Rex Ranch

Builder: Taylor Morrison

16 Westerly

Builder: McStain Neighborhoods, SLC Homes, Wonderland Homes

17 Wild Rose

Builder: Lennar

FIRESTONE

18 Barefoot Lakes

Builder: Brookfield Residential, Creekstone Homes, Lennar, Richmond American Homes

FORT COLLINS

57 Northfield

Builder: Landmark Homes

FREDERICK

19 Seasons at Silverstone

Builder: Richmond American Homes

GREELEY

20 Northridge Trails Townhomes

Builder: Hartford Homes

21 Promontory

Builder: Journey Homes

JOHNSTOWN

22 Park House

Thompson River Ranch

Builder: Oakwood Homes

23 The Ridge at Johnstown

Builder: Bridgewater Homes

24 Pintail Commons at Johnstown Village

Builder: Richfield Homes

25 Mountain View

Builder: Baessler Homes

LAFAYETTE

26 Blue Sage

Builder: Markel Homes

27 Avalon Meadows

Builder: Von’s Colorado Concepts

28 Silo

Builder: Cornerstone Homes

29 Silver Creek

Builder: Markel Homes

LONGMONT

30 Highlands at Fox Hill

Builders: Dream Finders Homes, Landmark Homes

32 Terry Street Townhones

Builder: New Leaf Properties

LOUISVILLE

33 North End

Builder: Markel Homes

LOVELAND

34 The Enclave at Dakota Glen

Builder: Glen Homes

35 The Enclave at Mariana Butte

Builder: American Legend Homes

36 Eagle Brook Meadows

Builder: Bridgewater Homes, Challenger Homes

37 The Lakes at Centerra

Builder: Bridgewater Homes, Landmark Homes, KB Home

38 Kinston at Centerra

Builder: Richmond American Homes, Dream Finders Homes

MILLIKEN

39 Brookstone

Builder: Windmill Homes

40 Sunfield

Builder: Windmill Homes

SUPERIOR

41 Downtown Superior

Builder: Thrive Home Builders, Remington Homes

42 Heights at Downtown Superior

Builder: Toll Brothers

43 Lanterns at Rock Creek

Builder: Boulder Creek Neighborhoods

44 Montmere at Autrey Shores

Builder: Koelbel

45 Rogers Farm

Builder: Boulder Creek Neighborhoods

TIMNATH

47 Serratoga Falls

Builder: American Legend Homes, Richmond American Homes

48 Timnath Lakes

Builder: Toll Brothers

49 Trailside

Builder: Wonderland Homes

46 Wilder at Timnath Ranch

Builder: Landmark Homes

50 Wildwing Patio Homes

Builder: Hartford Homes

WINDSOR

51 Country Farms Village

Builder: Landmark Homes

52 Greenspire

Builder: Windmill Homes

53 RainDance

Builder: American Legend Homes, Hartford Homes, Wonderland Homes

54 Seasons at Hunters Crossing

Builder: Richmond American Homes

55 Vernazza

Builder: Landmark Homes

56 Village East

Builder: Journey Homes

REAL ESTATE TRANSACTIONS

The following Northern Colorado home sales were supplied by Colorado Weekly Homebuyers List., 303.744.2020. Listed are the buyer, the property and the amount.

BERTHOUD

• Arlene Brock -- 816 13th St., Gerald P Helfrich, $245,500.

• Sean Odonnell -- 2762 Center Park Way, Rachel Odonnell, $380,000.

• Kenneth & Alyssa Cruzen -344 Fickel Farm Trail, Meritage Homes Colo Inc, $471,000.

• Ian Munro -- 531 Ranchhand Drive, Wesley & Kayleigh Bennett, $520,000.

• Mark & Patricia Pevoteaux -765 Grays Peak Lane, Anthony Jr Mazzei, $540,000.

• Michael & Avonlea Sargent -1239 Sun River Road, Derek & Melann Medrano, $575,500.

• Sutton Betti -- 1900 1st St., James & Betty Hendrix, $699,000.

• Brian & Patricia Woo -- 3101 Piper Glen Drive, Toll Southwest LLC, $1,083,400.

BOULDER

• Danielle Groover -- 4650 Holiday Drive Unit 103, Angela M Dreier, $186,200.

• Alexander Rogers -- 3161 Madison Ave. Apt 417, James Alan Garber, $270,000.

• Clare Sullivan -- 3683 Pinedale St. Unit F, Kaitlyn J Varner, $271,000.

• Allyson Mcduffie -- 4725 16th St. Apt 104, Studio Mews 104 LLC, $286,000.

• Timothy Gaffney -- 1405 Broadway Apt 303, Patrick & Marcella Donovan, $370,000.

• Sara Devine -- 805 29th St. Apt 455, Boulder Dream Rentals LLC, $379,900.

• Meihsin Kuo -- 500 Mohawk Drive Apt 610, Sylvia M Desouza, $390,000.

• Elise & Robert Robert -- 5934 Gunbarrel Ave. Apt C, Eliza Paterson, $437,000.

• Leslie & Steven Harris -- 3301 Arapahoe Ave. Unit 422, Andrew James Smith, $550,000.

• Piotr Drozdzewicz -- 775 33rd St., 775 Property LLC, $717,000.

• Lauren Mendicino -- 5564 N Fork Court, Diane F Furuya, $730,000.

• Kelly Davis -- 3301 Arapahoe

Ave. Unit 418, Lori Elizabeth Seward, $737,800.

• Nadya Davis -- 4717 Hampshire St., Robert P Parson, $802,000.

• Jeffrey Lorimer -- 255 Iroquois Drive, Dana Reevesprosser, $840,000.

• Katherine Taggart -- 5025 Coventry Court, Patrick T Dolan, $950,000.

• Karen Bernardi -- 616 Quince Circle, Alec Iacono, $950,000.

• Allison Mccomiskey -- 3115 Gatling Lane, Robert & Elizabeth Wilberger, $1,061,500.

• Robert & Elizabeth Wilberger -- 4867 Gibbs Ave., Lukasz Bogucki, $1,075,000.

• Miles Eldon -- 836 9th St., Taylor & Shannon Coble, $1,275,000.

• Rachel Malavasic -- 4390 Butler Circle, Erikka Gallegos, $1,350,000.

• Henri & Irene Helden -- 3158 10th St., Kenneth Otoole Trust, $1,405,500.

• Seth & Naomi Pollack -- 630 Terrace Ave. Unit D, Edward Green, $1,500,000.

• Margaret & Michael Deitchman -- 5236 Pinehurst Drive, Mary A Peterson Trust, $1,757,500.

• Mackenzie Carignan -- 2818 13th St., 2818 13th Street LLC, $1,876,200.

• Katie Eshuys -- 611 Marine St., Ashley Rheingold, $2,200,000.

BRIGGSDALE

• Jose Abadia -- 39036 County Road 68, Shad & Lucas Clymer, $350,000.

DACONO

• Tania Reyesgallegos -- 1028 Macdavidson Circle, Jo Enterprises Lllp, $304,000.

• Makaylin Martinez -- 823 Gabriel Court, Kristin Flanagan, $313,000.

• Anthony Bravo -- 226 3rd St., Bertha J Bravoleyva, $379,000.

EATON

• Christine Bielski -- 331 S Maple Ave., Micheal John Moore, $456,000.

ERIE

• Bryan Giger -- 317 Smith Circle, David & Yvonne Mussett, $440,000.

• Joyce & Christy Richmond -- 230 Holbrook St., Jnt Re Holdings LLC, $525,000.

• Alexander & Bethany Morray

-- 1777 Tynan Drive, Henry Wang, $620,000.

• Timothy Anderson -- 1334 Mathews Way, Balmukund & Salina Adhikari, $643,000.

• Phoebe Amago -- 3306 Billington Drive, Colo Property LLC, $690,000.

• Tammy Sandoval -- 1468 Peach Ave., Slc Homebuilding LLC, $700,300.

• Hansen Hoss -- 1490 Hickory Drive, Andrew & Michael Norman, $707,000.

• Kendra & Cory Olson -- 1364 Jackson Drive, Jonathan & Diane Windemuller, $806,000.

• Aneesh Garg -- 2771 Odell Drive, Carter & Anne Davis, $830,000.

• Michael & Jamie Perkins -- 1787 Merrill Drive, Lennar Colo LLC, $840,000.

• Logan & Kasey Soraci -- 1232 Richards Court, Hartmut & Ria Spetzler, $1,010,000.

• Felipe & Rafaela Tonello -1045 Red Iron Court, Taylor Morrison Colo Inc, $1,119,600.

EVANS

• Travis Stovall -- 505 Lucca Drive, Daniel D Davis, $275,000.

• Dawna Gournic -- 204 Lucca Drive, Gina F Kelley, $280,000.

• Flor Najera -- 3722 Ironhorse Drive, Nga Reh, $420,000.

FIRESTONE

• Thimaphon Kan -- 11337 Ebony St., Offerpad Spe Borrower A LLC, $490,000.

• Seferino & Graciela Ortiz -10167 Falcon St., Theophilus Shawn Williams, $535,000.

FORT LUPTON

• Austin Hudson -- 646 S Fulton Ave., Kathy & Luis Rodriguez, $450,000.

FREDERICK

• Anthony & Meredith Shepard -- 121 Johnson St., Eldin Homes LLC, $430,000.

• Ronald Frenkel -- 323 Coal Ridge Drive, Jeffrey Allen Blakesley, $475,000.

• Christopher & Carina Wagner -- 7238 Animas Ave., Noella C Garrick, $479,900.

• Jonathan & Nancy Reeves -5411 Fox Run Blvd., Nathan & Vanessa Moore, $487,500.

• Attiya Ahmad -- 206 Maple St., Ryan Ray Kober, $500,000.

• Jason & Isabella Ketcham -- 6168 Ralston St., Jonpaul

Talley, $525,000.

• Arya & Amar Deep -- 6519 Empire Ave., Kristen & Chad Runion, $690,000.

GILCREST

• Dawndee & Rylee Kathleen -1209 Dawn Ave., Buy Out Co Lllp, $365,100.

GREELEY

• Ryoga Johnson -- 5151 29th St. Unit 410, Valerie J Garcia, $250,000.

• Sheila Garcia -- 1004 35th Ave., Eloi Marquez, $278,000.

• Sean & Laura Tisone -- 6911 W 3rd St. Unit 815, Jessica Urfer, $320,000.

• Justin Church -- 5775 29th St. Unit 306, Charissa Young, $330,000.

• Crecensiano Arzate -- 424 29th Ave., Aldo Nava Gonzales, $335,000.

• Oscar Talavera -- 506 23rd Ave., Ryan Matthew Barnard, $355,000.

• Katherine Dillinger -- 4917 W 10th St. Road, Sean & Erin Stengl, $369,000.

• Timothy Ward -- 3121 W 13th St., Connie Rae Kler, $381,000.

• Shirley Orr -- 6603 4th St. Road Unit 1, 6603 Wolf LLC, $386,000.

• Troy & Diana Koehler -- 6617 6th St., Hartford Constr LLC, $427,800.

• Brandy Walker -- 2021 40th Ave., Katharine & Michael Park, $450,000.

• Stephanee Trujillo -- 4012 W 30th St., Opendoor Property Trust I, $465,000.

• Kenny Ketelsen -- 10412 17th St., Kevan Boss, $475,000.

• Amalia Almanza -- 1501 9th St., Jose B Arellano, $720,000.

JOHNSTOWN

• Wesley Ballinger -- 319 Condor Way, Baessler Townhomes Colo LLC, $337,100.

• Justin Hale -- 3760 Blackwood Lane, Braden J Hayden, $420,000.

• Cassidi Gwinnupgreen -- 1591 Sunflower Way, Hartford Constr LLC, $445,800.

• Amber Reiningerhilzer -- 4765 Antler Way, Melody Homes Inc, $459,900.

• Derek Coleman -- 2659 Osprey Way, Daniel & Kim Grosland, $462,000.

• Kristen Aragon -- 3010 Woodbine Lane, Adam & Joanne Gray, $530,000.

• Nicole Hackett -- 2736 Wren

Drive, Melody Homes Inc, $543,800.

• Stephen Knutsen -- 25809 County Road 15 1/2, Loretta Meza, $900,000.

KEENESBURG

• Leigh Mihlbauer -- 507 Porter Ave., Larkin Street Homes LLC, $390,000.

LONGMONT

• Cheyenne Wiseman -- 3100 Concord Way, Margie Raymond, $262,500.

• Lara Mcdermott -- 942 Bross St., Brie A Tanner, $330,000.

• Cassandra Penn -- 804 Lashley St., Gregory & Brenda Feldman, $330,000.

• Colin Brown -- 500 Lashley St. Unit 4, Charles Russel Lyman, $410,000.

• Juan Castaneda -- 1808 Calkins Ave., 23 Palms LLC, $437,000.

• John Cawelti -- 1521 Lamplighter Drive, Nichole Lynn Pattermann, $450,000.

• Javan & Briana Bhebhebrooks -- 370 High Pt. Drive Apt D201, Highlands Foxhill Homes LLC, $463,400.

• Allison & David Boxall -- 370 High Pt. Drive Apt D205, Highlands Foxhill Homes LLC, $464,000.

• Kathleen & Sheldon Sands -- 1716 Spencer St., Steven & Kimberly Anderson, $465,000.

• Dan & Lynette Gormley -4145 Da Vinci Drive, Richard L Miller, $485,000.

• Denise Droneburg -- 2115 Hackberry Circle, Ashly Blanc, $505,000.

• Samantha Jagoda -- 1705 Collyer St., B P H Constr Corp, $506,000.

• Joshua & Danielle Feaster -- 1805 Spencer St., Jeffrey & Renee Stolte, $520,000.

• Deanna Romano -- 2538 Stratford Lane, Guy & Bonita Michael, $520,000.

• Timothy Kassel -- 190 High Pt. Drive, Highlands Foxhill Homes LLC, $533,900.

• Brendan & Amanda Hall -13709 Siltstone St., Melody Homes Inc, $549,900.

• Darryn & Krisstine Highland -- 13711 Siltstone St., Melody Homes Inc, $558,900.

• Lindsey Jamison -- 2909 Hidden Brook Place, Dfh Mandarin LLC, $590,000.

• Robert Anstey -- 1034 9th Ave., Bridget K Fice, $627,500.

• Parmesh Mohan -- 61 Acorn Creek Court, Dfh Mandarin LLC, $635,600.

• Robert & Jacqueline Woods -966 Champion Circle, Robert C Lucas, $640,000.

• Jacob & Victoriya Schriver -- 4685 N Bend Court, Kirk R Fronckiewicz, $645,000.

• Victorino & Carol Duarte -- 14427 N 83rd St., Carol & Maureen Conway, $650,000.

• Tom Simion -- 2913 Hidden Brook Place, Dfh Mandarin LLC, $661,100.

• Ashok Yadav -- 2925 Buffalo Fork Lane, Dfh Mandarin LLC, $669,300.

• Jeneuse Geula -- 1228 Fordham St., Front Range Properties LLC, $689,000.

• Katelyn & Jeffrey Rettig -11709 Elmer Linn Drive, Maxwell Survivors Trust, $740,000.

• Milton Carrillo -- 1830 Red Cloud Road, Richard E James, $765,000.

• Carrie & Edward Trochim -4828 Preserve Place, Lennar Colo LLC, $896,500.

• Troy & Jennifer Alderfer -- 533 Nesting Crane Lane, Thomas & Karen Charles, $1,750,000.

LOVELAND

• Robert Fickel -- 2525 Lake Drive, Shana M Easley, $67,700.

• Joel & Regan Guthrie -- 2298 Winter Park St., Mary Jean Bedard, $488,800.

• Deanne & Scott Kear -- 1269 Tupelo Drive, Patricia Sue Phillips, $505,000.

• Otto & Brittany Martinez -6241 Sea Gull Circle, Michael & Michelle Truex, $560,000.

• Ruth Bantner -- 3014 Da Vinci Drive, Aspen Homes Colo Inc, $574,700.

• Geoffrey & Linda Green -5086 Coolidge Ave., Enclave Eagle Brook LLC, $603,000.

• Kyle & Sabrina Sherry -- 4274 Martinson Drive, Artesia Lot Holdings LLC, $610,000.

• Beth & Gregory Busby -- 4364 Prairie Trail Drive, Jessica Rock, $740,000.

• Mark & Caitlin Reinholtz -- 6447 Union Creek Drive, Richmond Am Homes Colo Inc, $746,000.

• Jason & Tatum Denney -27840 Hopi Trail, Rodney & Becky Martinez, $1,170,000.

LYONS

• Skyla Olds -- 276 Sandstone Drive, Robert O Smith,

$635,000.

MEAD

• Tina & Randy Mally -- 16321 11th St., Edward & Lisa Schlagel, $635,000.

• Gary & Sheila Arnold -- 18760 Wagon Trail, Mark G Mounkes, $795,000.

• Kelly & William Gregorak -- 202 Mulligan Lake Drive, Kurt & Valerie Pourbaix, $1,100,000.

MILLIKEN

• Andrea & Paul Sgueo -2560 Brookstone Drive Unit D, Windmill Homes Co, $395,000.

• Grant Bickford -- 714 Pioneer Drive, Margie & Thomas Beston, $459,000.

NUNN

• Darlene & Edwin Johnson -52030 County Road 21, Daniel & Alex Carsrud, $624,000.

PLATTEVILLE

• Nathaniel Bisignano -- 1504 Sanchez Court, Jason Carlson, $385,000.

SEVERANCE

• Gina Kelley -- 902 Milner Pass Road, Journey Homes LLC, $437,400.

• Eloi Marquez -- 947 Milner Pass Road, Journey Homes LLC, $438,400.

• Aaron Davidson -- 906 Milner Pass Road, Journey Homes LLC, $440,000.

• Kristina Disbrow -- 934 Milner Pass Road, Journey Homes LLC, $443,500.

• Sandra Mussmann -- 551 Kinnikinnik Court, Diane Peterson, $450,000.

• Calvin & Emalee Mayes -- 211 Windflower Way, Alisa & Aaron Davidson, $470,000.

• Robert Esquibel -- 927 Milner Pass Road, J J Constr Northern Colo LLC, $479,900.

• Jason Carlson -- 919 Milner Pass Road, J J Constr Northern Colo LLC, $492,200.

• Ryan Barnard -- 723 Lake Emerson Road, Melody Homes Inc, $523,300.

• Jonathan & Aurora Darby -985 Mt Andrew Drive, Jacob Pegg, $557,500.

• David & Jacqueline Agnew -- 1538 Lake Vista Way, Rick Nelson, $629,000.

TIMNATH

• Sierra & James Wade -- 4478 Haymill Court, Weekley Homes LLC, $460,000.

• Qais Rub -- 5221 Rendezvous Parkway, Fct Recovery LLC, $550,000.

WELLINGTON

• Jordan Lanham -- 6875 Lee St. Apt 2, Cathy Futhey, $320,000.

• Jane & Darrell Moran -- 3194 Fairmont Drive Unit 11d, Brandon & Morning Fitzgerald, $370,000.

• Lukas & Amanda Cheever -- 3856 Mount Democrat St., Joshua & Hannah Humphreys, $430,000.

• Morning & Brandon Fitzgerald -- 3678 Catmint St., Melody Homes Inc, $507,600.

• James & Karrah Savage -- 4260 White Deer Lane, Opendoor Property Trust I, $533,000.

WINDSOR

• Kendra & Glenda Lowry -- 1106 Cottonwood Drive, Jacob & R Dietrich, $446,500.

• Jonathan Emmitt -- 1301 Fairfield Ave., Julie Leighrichey Dudley, $450,000.

• Mitchell & Leslie Albaugh -- 2167 Montauk Lane Unit 1, Kathryn S Amundson, $455,000.

• Joseph & Rose Cannella -- 317 7th St., Robert & Brenda Harrison, $500,000.

• Fabiola Duran -- 3 Cyprus Court, Kaylee & Garrett Hurni, $505,000.

• Lawrence & Blair Pakowski -1545 Edenbridge Drive, Lisa & Andrew Qualls, $555,000.

• Matthew Hiler -- 530 Vermilion Peak Drive, Peter Millett, $625,000.

• Anthony & Samantha Ball -1540 Millfleet Drive, Steven & Alicia Ready, $660,000.

• Kyle Welliver -- 2117 Autumn Moon Drive, Artesia Lot Holdings LLC, $690,000.

• Timothy & Katie Brennan -5407 Gulfstar Drive, Joseph & Kathryn Fens, $755,000.

• David & Lindsey Eisenbraun -- 1401 Bison Ridge Court, David & Jacqueline Agnew, $825,000.

• Colby & Sarah Bundy -- 2094 Dusk Court, Artesia Lot Holdings LLC, $917,200.

• Timothy & Andrea Brown -1406 Bison Ridge Court, Brenda Cummings, $1,050,000.