Real Estate Matters
www.reporterherald.com • Saturday, October 15, 2011 • Reporter-Herald
Giving back the keys ILYCE GLINK TRIBUNE MEDIA SERVICES
Q
uestion: My wife bought the home we currently live in back in 2003. We find we can no longer pay for the house. Is it possible, instead of a nasty foreclosure, to give the house back to the mortgage company? Also, if we do give it back and vacate the home, what are the consequences? Ultimately, if a loan modification or mortgage restructure is not possible and we know ahead of time that we cannot keep the house, we want to honorably give it back. Do we have any options? Answer: First of all, you should know that you own the house. It is your home and not the lender’s. You can’t “give back” the house to a lender because, for business and legal purposes, the home is yours to keep, maintain, and to make a profit or loss from. At issue in your circumstances is whether the lender would be willing to accept the home in lieu of you and the bank becoming involved in litigation involving the foreclosure of your home. When you purchased the home, you signed documents with your lender under which the lender agreed to give you the loan and you agreed to repay it under the terms set forth. You weren’t specific in your email about why you are no longer able to pay the expenses associated with your house. You might have lost your job, become ill or had a death in the family. Or you may have decided that the home’s value is now less than what you owe and you can’t or won’t continue to make the payments. Each of these situations may evoke different sympathies from lenders, your neighbors and people in your community. However, the contract you entered with your lender does not provide for exceptions or distinctions. In other words, the fact that you, say, lost your job doesn’t matter legally to the lender. If you fail to make your loan payments, the lender has the right to initiate legal proceedings against you to recover what is owed. Those legal proceedings are generally foreclosure proceedings leading to a sheriff sale, auction or other sale of your home. When you miss payments, it gets reported to the credit reporting bureaus. You can expect the foreclosure process to result in a fairly big drop in your credit score — which is used not just by lenders but also by employers, insurance companies and other companies that seek to evaluate your credit before offering a job or pricing a product or service. If you go through the process of foreclosure or other transaction with your lender that results in your credit history showing obligations not having been paid in full or I See GLINK/Page D4
Culture on Display Make a statement with cultural pieces EMMA CASTLEBERRY REPORTER-HERALD
W
hether it’s a souvenir from last year’s vacation, a funky garage-sale find or an exotic gift a cousin brought back from her honeymoon, many people have a piece (or several pieces) of a different culture they want to display in their home. Though this can be intimidating, interior designer and coowner of Longmont boutique Encore! Dena Blackburn said it’s a risk worth taking. “What we find more often than not is that people are afraid because they feel like they don’t know how to do it, so they just don’t do anything,” Blackburn said. “People shouldn’t be afraid. If they really fall in love with something, go with it. Make a statement with it.” Blackburn co-owns Encore! with her mother and fellow designer, Judi Supplee. She advises paying attention to color schemes and style when trying to incorporate an exotic piece. “Stick with the same color tones,” Supplee said. “A lot of Asian and Indian art looks really good with a contemporary or modern aesthetic, whereas, with a country aesthetic, not so much.” In their experience as interior designers, Supplee and Blackburn have seen decorations from many cultures, from Indian Buddha heads to African tribal masks. Supplee urges souvenir shoppers to spend their money wisely if they want to incorporate a piece into their home design. “If people are actually going to be on vacation thinking about buying a souvenir, don’t buy a small one, because it’s going to look like clutter,” Supplee said. “Buy something substantial. Spend a lot of money on one piece as opposed to a lot of money on a whole bunch of little pieces. That will usually be more easy to incorporate into every design situation that you have.” Christine Costigan of Alabaster Design in Longmont, said it’s important that you can appreciate whatever item you’re displaying. “Put it somewhere where you can see it and enjoy it,” Costigan said. “That could be your kitchen, your living room, on your coffee table. Put it
“People shouldn’t be afraid. If they really fall in love with something, go with it.
Make a statement with it.” — Dena Blackburn, Encore!
somewhere prominent in an unobtrusive way.” In addition to these tips, it is important to know the background and meaning of the item being displayed. Discoveries Egyptian Imports, a Longmont store specializing in Egyptian handcrafts, offers providence cards informing the buyer of their purchase’s significance. Marlene Collins, who co-owns the store with her husband, Steve Collins, said there are few concerns when displaying Egyptian items, but that isn’t always the case.
“I know I’ve looked at Tibetan and Buddhist things and there is a sensitivity around displaying things that are sacred and symbolic,” Collins said. “But as far as our merchandise, I haven’t come across any kind of sensitivity to displaying it.” Most people will display their exotic items respectfully by default, Collins said. “Usually people that are buying something have a connection with that ancient culture,” Collins said. “There is almost sort of a reverence around what they take home.” Supplee said she thinks people will be naturally inclined to display their
exotic items tastefully, as well as respectfully. “Typically people are going to buy what appeals to them and its all going to be cohesive anyway because they’re not going to step outside their box too much,” Supplee said. While cohesion often comes naturally, Supplee said the best rule of thumb is to consider room design before purchasing an exotic item. “I’d rather see people really spend their money wisely when they do go cultural,” Supplee said. “It’s good to buy something that they’re going to be able to display, that’s going to be an important piece in their home.”
Buying a home that needs work? Call the experts in FHA 203(k) renovation financing. www.HomeStateBank.com An FHA 203(k) mortgage allows you to finance both your home purchase and renovation with a single loan. Call now to learn more. Vivian DeVoe, VP Mortgage Banker, NMLS#269876, 970-227-4702 Loans and rates subject to credit approval. Owner-occupied residences only. FHA conditions and restrictions apply.
970-203-6100 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm Think big
Bank small
E D2
Saturday Reporter-Herald October 15, 2011
Featured Properties $200,000 $200 000 - $299,999 $299 999
UP TO $199 $199,999 999 OPEN SUNDAY 11 AM-3 PM
OPEN HOUSE SATURDAY AND SUNDAY 12-5 PM
SALES OFFICE OPEN
OPEN HOUSE SATURDAY 1-3 PM
OPEN HOUSE 1-4 PM SATURDAY
Peakview Meadows, Berthoud
4403 Elliot Place, Loveland
3730 Jefferson Drive--Loveland
820 Jay Pl., Berthoud
4453 Pika Dr. - Loveland
Peakview Meadows Sales office open Thursday thru Monday from 1-4 Prices starting at $195,900. 5 Models to choose from.
$2,500 IN FREE OPTIONS!* 3 BR, 2 BA, 2 CAR, ranch style home. Front yard landscaping included w/ sprinkler system. $169,900 w/qualifying special financing or $181,400 w/o special financing. *w/ purchase & closing of home - Offer Expires 10/31/11
2174 Sq ft, 3BR 3BA, open flr plan, new carpet & paint, A/C, ALL kitch appl, mstr w- 3/4 bath, lg. walk-in closet. 2 car gar, cov. front porch, lg back porch, storage shed, sprinklers, trees! $196,500
Located on quiet cul-de-sac, beautiful landscaping and mature trees. This house includes 4/BD and 2/BA. Lg family room w/ wood stove. Central A/C, lots of storage. MLS# 665607 $205,900
Move in Ready! 3 bdrms up, main floor bdrm w/3/4 bath, vaulted ceilings, SS appliances, gas stove, main floor laundry. Finished bsmt has bdrm/bath, rec room & Theatre room. Hosted by John 222-9616.
Kurt Albers & Chris Rampone Century 21 Humpal, Inc 970-231-1224 Kurt 970-430-0845 Chris www.berthoud.org
Rose Lawrence Cottage Realty 970-215-0515 www.lovelandcorealestate.com
Rick & Sharon Nealeigh (970) 988-1205 New Washer & Dryer For Buyers! www.homefinder.com/CO/loveland
Gary Maggi RE/MAX Town & County 970-692-2002 gary@berthoudrealestate.com www.berthoudrealestate.com
Barbara Giesey Coldwell Banker Residential Brokerage 970-222-4035 barbaragiesey@msn.com www.BarbaraGiesey.com
$200,000 - $299,999 OPEN HOUSE SATURDAY 2-5 PM & SUNDAY 12-5 PM - 3 CAR
OPEN HOUSE SAT. 10 - 1 SUN. 1-4
4355 Ridgway Drive, Loveland
Mirasol Senior Community 1286 Inca Dove Cir. Loveland
3-car, walkout basement, great views from deck, 3 bedrooms, 2 baths including 5 piece master bath, gourmet kitchen w/ island. Unfinished basement. $277,800.
2bedroom plus den, 2bath ranch in lovely senior community. Model home with many extras! $295K. New Construction started for 2 Pagosa units priced at $249K Move in ready by Dec. 2011
Kevin Cook Cottage Realty 970-532-5900 www.lovelandcorealestate.com
Mirasol Senior Community Mirasol Sales Team • 970-635-5931 airwi@lovelandhsg.org www.mirasolseniorcommunity.com
$300,000 - $399,999
ALFORD MEADOWS OPEN HOUSE SATURDAY & SUNDAY 12-3
OPEN SAT & SUN 1:30-3:00 PM
930 Crabapple
6600 Lakota Court--Loveland
1587 Red Tail Rd, Eaton
Just Completed! Large covered porch, main floor laundry,open kitchen w/dbl pantries and eating nook, upgrades include wood floors, granite, tile, stone fireplace, 3 car garage. Neighborhood pool.
3BR, 3BR ranch on .96 acres w/Mtn Views & RV pkg! Large LR, formal DR, Eat-in Kitchen. Full finished daylight basement w/Rec RM, Shop, Craft RM & more. +3,500 sq.ft. of living space. Just $365,000
Built Green Certified Home! Better than new in this beautiful custom home within walking distance to Eaton Golf Course. Awesome kitchen - lots of extras - 1 year HOA paid for buyer. MLS#651913.
Dominic East Coldwell Banker 970-412-7743 dominic@dominiceast.com
Renee Salza Keller Williams (970) 231-5082 rsalza@msn.com www.rsalza.com
Maurine Garretson Coldwell Banker Plains Real Estate, Inc. 970-396-9597 maurinegar@aol.com www.coldwellbanker.com/local/plains
$300,000 - $399,999 BUILDERS MODEL-DAKOTA GLEN OPEN HOUSE 12 TO 4 THURS.-MON.
OPEN SATURDAY 11 AM - 3 PM
BUILDERS MODEL - DAKOTA GLENOPEN HOUSE 12 TO 4 THURS.-MON.
$400,000 - $499,999
OPEN SUN 1:30-3:00 PM
OPEN SAT 1-4PM
Time to Get Your Own Place? Begin your search at reporterherald.com/classifieds/homeandrealtyguide your online and print real estate source.
3464 Peruvian Torch Drive, Loveland
3480 Peruvian Torch Drive, Loveland
27847 Arikaree Rd
Just West of Loveland 288 Reservoir Drive!
Looking for Maintenance-FREE* lifestyle? Open floor plan, patio home w/3 bdrms/3 baths, granite kitchen island, backs to green belt with mountain views! Convenient location. MLS#622329. $342,000
Maintenance FREE* Patio Home-Great open floor plan-Split 3 bdrms - Upgrades and designer tile! Alder doors, trim & cabinets, 5 pc. master bath. Stone fireplace.. 2 1/2 car garage. MLS#666495. $339,900
Great 1 acre property in Indianhead Estates on corner lot w/3 car attached garage PLUS separate 2 car/shop! Room for your RV’s & room to expand for additional garages!
Introducing Pittington Ranch! Panoramic views, open floor plans, room for your horses! 90 plus acres of riding space. Model home open! 13 homesites to choose from, starting in mid $400’s
Venna Hillman ERA Herman Group/Glen Marketing 970-663-4522 venna@glencompanies.com www.DakotaGlen.com
Venna Hillman ERA Herman Group/Glen Marketing 970-663-4522 venna@glencompanies.com www.DakotaGlen.com
Maurine Garretson Coldwell Banker Plains Real Estate, Inc. 970-396-9597 maurinegar@aol.com www.coldwellbanker.com/local/plains
FOR SA
LE 3 BD, 2 BA R a n c h , new kit cab and h ard bsmt, big wood flrs. Unfin back yard privacy fe , spklrs, nce.
Marleen Twito Premier Lifestyle (970) 613-4400 www.pittingtonranch.com
saturday
sunday
$139,840
Loveland
4905 Hahns Peak #101
1-3 PM
RE/MAX Alliance, Jill Leichliter
970-443-7789
From the $140’s
Loveland
43rd St & Wilson Ave The Cottages at Enchantment Ridge
12-5 PM
Cottage Realty
970-532-5900
Starting in the $150’s
Milliken
110 Traders Lane
12-3 PM
The Group Inc., Real Estate, Tracy Wilson
970-567-0907
From $159,900
Loveland
1899 East 11th St.
10 AM-6 PM
Midtown Homes, Boise Village North, Wayne Lewis
970-456-4600
$162,500
NE Loveland
1009 Shortleaf Ct
1 PM Sharp!
RE/MAX Alliance-Loveland, Kathy Standiford
970-679-1686
$163,000
Loveland
1126 S. Tyler Ave.
2-4 PM
The Group Inc., Real Estate, Mary Ann Michels
970-310-7944
$169,900
Loveland
4403 Elliot Pl
12-5 PM
Cottage Realty
970-215-0515
$174,900
Loveland
1450 Cattail Drive
11 AM-1 PM
The Group Inc., Real Estate, Debbie Guinn
970-566-4626
Starting at $195,900
Berthoud
Peakview Meadows
1-4 PM
Century 21 Humpal, Inc., Kurt Albers & Chris Rampone
970-2311224, 970430-0845
Starting in the $200’s
Loveland
930 Crabapple
12 Noon-3 PM
Coldwell Banker, Dominic East
970-412-7743
Starting in the $200’s
Windsor
292 Saratoga Drive
1-4 PM
The Group Inc., Real Estate, Kelli Couch
970-310-8804
$205,900
Berthoud
820 Jay Place
1-3 PM
RE/MAX Town & Country, Gary Maggi
970-692-2002
$207,315
Loveland
3441 Foster Pl
12-5 PM
Cottage Realty
$239,000
Loveland
4496 Hayler Ave
12-5 PM
$239,900
Loveland
1506 Gloria Ct.
1-3 pm
$249,900
Berthoud
Collins Park Subdivision
1-3 PM
RE/MAX Alliance-Loveland, Kathy Beadell
$259,900
Loveland
3518 Akron Court
1-3 PM
The Group Inc., Real Estate, Rich Gardiner
970-227-0964
$287,296
Windsor
4607 Pompano Drive
12 Noon-5 PM
The Group Inc., Real Estate, Kristen Specketer
970-290-8097
$295,000
Loveland
Mirasol Senior Community, 1286 Inca Drive
10 AM-1 PM
Mirasol Senior Community
970-635-5931
$295,065
Windsor
4604 Free Hold Drive
1-4 PM
The Group Inc., Real Estate, Carole Newberry
970-443-4047
$298,000
SW Loveland
4453 Pika Drive, Loveland
1-4pm
Coldwell Banker, Barbara Giesey
970-222-4035
$279,800
Loveland
4355 Ridgway Dr
2-5 PM
Cottage Realty
970-532-5900
$299,000
Loveland
2892 Ariel Drive
1-3 PM
The Group Inc., Real Estate, Georgena Arnett
970-481-9801
$299,500
Loveland
1759 Horseshoe Drive
1-3 PM
The Group Inc., Real Estate, Laura Thomas
970-290-7544
From the $140’s
Loveland
43rd St & Wilson Ave The Cottages at Enchantment Ridge
12-5 PM
Cottage Realty
970-532-5900
Starting in the $150’s
Milliken
110 Traders Lane
12-3 PM
The Group Inc., Real Estate, Tracy Wilson
970-567-0907
From $159,900
Loveland
1899 East 11th St.
10 AM-6 PM
Midtown Homes, Boise Village North, Wayne Lewis
970-456-4600
$162,500
Johnstown/ Milliken
1101 North Park Ave.
1-3 PM
RE/MAX Alliance, Julie Stinson
970-622-1809
$169,900
Loveland
4403 Elliot Pl
12-5 PM
Cottage Realty
970-215-0515
$189,900
Loveland
2016 Dotsero Ave.
1-3 PM
The Group Inc., Real Estate, Nancy Walkowicz
970-461-7136
Starting at $195,900
Berthoud
Peakview Meadows
1-4 PM
Century 21 Humpal, Inc., Kurt Albers & Chris Rampone
970-2311224, 970430-0845
$196,500
Loveland
3730 Jefferson Drive
11 AM-3 PM
Homefinder.com, Rick & Sharon Nealeigh
970-988-1205
Starting in the $200’s
Loveland
930 Crabapple
12 Noon-3 PM
Coldwell Banker, Dominic East
970-412-7743
Starting in the $200’s
Windsor
292 Saratoga Drive
1-4 PM
The Group Inc., Real Estate, Kelli Couch
970-310-8804
$207,315
Loveland
3441 Foster Pl
12-5 PM
Cottage Realty
970-215-0515
$220,000
Berthoud
660 Mt. Massive St.
1-3 PM
The Group Inc., Real Estate, Cindy Kurtz
970-962-6832
970-215-0515
$239,000
Loveland
4496 Hayler Ave
12-5 PM
Cottage Realty
970-532-5900
Cottage Realty
970-532-5900
$239,900
Loveland
1506 Gloria Ct.
1-3 pm
ERA Tradewind, Rod Carlson
303-684-6321
ERA Tradewind, Rod Carlson
303-684-6321
$249,900
Berthoud
Collins Park Subdivision
1-3 PM
RE/MAX Alliance-Loveland, Kathy Beadell
970-290-1798
970-290-1798
$269,000
Fort Collins
1215 Saint John
11 AM – 1 PM
RE/MAX Alliance-Fort Collins South, Jennifer Kelly
970-581-9005
$275,000
Loveland
4253 Lookout Drive
1-3 PM
The Group Inc., Real Estate, Valerie Schlageter
970-217-3464
$287,296
Windsor
4607 Pompano Drive
12 Noon-5 PM
The Group Inc., Real Estate, Kristen Specketer
970-290-8097
$295,000
Loveland
Mirasol Senior Community, 1286 Inca Drive
1-4 PM
Mirasol Senior Community
970-635-5931
$295,065
Windsor
4604 Free Hold Drive
1-4 PM
The Group Inc., Real Estate, Carole Newberry
970-443-4047
$279,800
Loveland
4355 Ridgway Dr
12-5 PM
Cottage Realty
970-532-5900
$299,900
Loveland
1920 New Hampshire St
12-5 PM
Cottage Realty
970-532-5900
$299,900
Loveland
4454 Stump Ave
12-5 PM
Cottage Realty
970-532-5900
$339,800
Berthoud
1723 Wales Dr
1-3 PM
RE/MAX Alliance-Loveland, Lisa Moore
970-566-4627
$339,900
NW Loveland
3480 Peruvian Torch
12 Noon-4 PM
ERA Herman Group NoCo/Glen Marketing
970-663-4522
$342,000
NW Loveland
1/4 mile west of Wilson on 14th Street/SW/HWY 402 to the Dakota Glen Subdivision
12 Noon-4 PM
ERA Herman Group NoCo/Glen Marketing
970-663-4522
$347,900
Loveland
920 Norway Maple
1-3 PM
The Group Inc., Real Estate, Rich Gardiner
970-227-0964
$364,900
Johnstown/ Milliken
27847 Arikaree Road
1:30-3:00
Coldwell Banker Plains, Maurine Garretson
970-396-9597
$369,000
Windsor
1587 Red Tail Road
1:30-3:00
Coldwell Banker Plains, Maurine Garretson
970-396-9597
$369,963
Fort Collins
1031 Hinsdale Drive
1-4 PM
The Group Inc., Real Estate, Keith Huntsman
970-227-2779
$374,900
Fort Collins
8039 Allot Ave.
1-3 PM
RE/MAX Alliance, Jan Thayer
970-215-0880
$380,000
Loveland
629 Green Mountain Drive
1-3 PM
The Group Inc., Real Estate, Stephanie Soule
970-214-2452
$395,000
Fort Collins
1230 Twin Oak Ct
11 AM – 1 PM
RE/MAX Alliance-Fort Collins South, Jennifer Kelly
970-581-9005
1-3 PM
The Group Inc., Real Estate,Debbie Hansen
970-222-9618
$299,900
Loveland
1920 New Hampshire St
2-5 PM
Cottage Realty
970-532-5900
$299,900
Loveland
4454 Stump Ave
12-5 PM
Cottage Realty
970-532-5900
$335,000
Loveland
2890 Carina Circle
1-3 PM
The Group Inc., Real Estate,Georgena Arnett
970-481-9801
$339,800
Berthoud
1723 Wales Dr
1-3 PM
RE/MAX Alliance-Loveland, Lisa Moore
970-566-4627
$339,900
NW Loveland
3480 Peruvian Torch
12 Noon-4 PM
ERA Herman Group NoCo/Glen Marketing
970-663-4522
$342,000
NW Loveland
1/4 mile west of Wilson on 14th Street/SW/HWY 402 to the Dakota Glen Subdivision
12 Noon-4 PM
ERA Herman Group NoCo/Glen Marketing
970-663-4522
$365,000
Loveland
6600 Lakota Court
11 AM-4 PM
Keller Williams, Renee Salza
970-231-5082
$369,000
Windsor
1587 Red Tail Road
1:30-3 PM
Coldwell Banker Plains, Maurine Garretson
970-396-9597
Starting in the mid $400’s
Loveland
288 Reservoir Drive
1-4 PM
Marleen Twito, Premier Lifestyle Realty
970-613-4400
$499,900
Loveland
1187 Coral Burst Drive, Alford Meadows
12 Noon-4 PM
Fuller Sotheby’s International Realty, Ron McCrimmon
970-214-2763
$398,500
Loveland
1915 Massachusetts St.
$785,000
Loveland
2078 Park Drive
1-3 PM
The Group Inc., Real Estate, Cindy Kurtz
970-962-6832
$419,900
Loveland
535 Marcellina Drive
1:30-3 PM
RE/MAX Alliance, Don Riedel
970-669-1234
$431,900
Loveland
2009 Morning Drive
12 Noon-3 PM
The Group Inc., Real Estate,John Simmons
970-481-1250
$499,900
Loveland
1187 Coral Burst Drive, Alford Meadows
12 Noon-4 PM
Fuller Sotheby’s International Realty, Ron McCrimmon
970-214-2763
$625,000
NE Loveland
3015 Challenger Point Dr
11 AM – 1 PM
RE/MAX Alliance-Fort Collins South, Jennifer Kelly
970-581-9005
$650,000
Fort Collins
627 Roma Valley Drive
12 Noon - 2 PM
The Group Inc., Real Estate,Keith Huntsman
970-227-2779
To add a listing or speak to an advertising representative, call Dan Grassmeyer at 970-635-3615 or email: dgrassmeyer@reporter-herald.com. Realtors can join our on-line realtor community at: http://www.reporterherald2.com/YourNorthernColoradoHome/_featured/featured_newclient.asp For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifieds” section of this publication. This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.
WWW.HOMEANDREALTYGUIDE.COM •CLICK ON
OPEN HOUSE MAPS
E Saturday Reporter-Herald October 15, 2011 D3
Regional Snapshot for Loveland/Berthoud Residential
Mortgage rate update
June
July
August
Active Listings Previous Year Active Listings
973 1101
938 1092
860 1054
Sold Listings
155
134
154
$220,000 $234,000
$208,958 $238,000
Average Days on the Market Previous Year ADOM
121 121
103 122
107 121
Year to Date Listings Sold Previous Year YTD Listing Sold
676 728
810 839
964 941
Median Sales Price Previous Year Median
This week Last week Trend
$223,700 $192,000
30-year fixed
4.17%
4.03%
15-year fixed
3.47%
3.38%
5/1 ARM
3.06%
3.00%
Home & Real Estate is produced every Saturday by the Loveland Reporter-Herald.
News and Press Releases: The Reporter-Herald welcomes news on hirings, advancements, awards, classes and other information of interest to the real estate and home community. Submit information to jcody@reporter-herald.com. Advertising: For advertising information, call Dan Grassmeyer. Office: 970-635-3615 Cell: 970-214-6297 E-mail: dgrassmeyer@reporter-herald.com
H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.
Estes Investors LLC, 1905 Wildfire Rd, Estes Park, $209,900, home
Cir, Milliken, $130,500, home • William Shepherd from Hsbc Bk Usa, 321 E Holly St, Milliken, $116,100, home • Joseph Fantasia • Gerardo Fremaint from Thomas Kapaun, from Alternative Invest 722 Carriage Dr, MilLLC, 1849 Chesa• Ryan & Angela liken, $175,000, home peake Cir Unit B, Padalecki from Johnstown, $164,900, Michelle Frazier, 2502 condo W 46th St, Loveland, • James & Carol $194,000, home • Philip Cook from Keeling from Alterna- Timothy Adams, 1190 • Mark & Loris tive Invest LLC, 1849 Osprey Ct, Windsor, Osier from Amy SimpChesapeake Cir Unit $485,000, home son, 3060 Sedgwick A, Johnstown, Cir, Loveland, • Mary Chochon $215,700, condo $269,500, home from James Anderson, • Janelle Wadas 845 Durum St, Wind• Charles Klijewski from Mark Avery, 2676 sor, $219,500, home from Teri J Sysum Pochard Ct, John• Tad & Nissa ChadTrust, 1029 Ferguson stown, $318,000, wick from Melody Ct, Loveland, home Homes Inc, 623 Cam$144,500, home • Gary & Kay berly Ct, Windsor, • Larry & Virginia Lacrosse from Journey $314,400, home Dixon from Bruce WeHomes LLC, 245 Alder • Douglas & Judith ber, 951 Claremont Pl, Ave, Johnstown, • James & Hannah Williams from Michael Loveland, $230,000, $173,200, home Zimm from Belle Shannon, 1987 Seadhome Buchholz, 808 Green • Becky Morford rift Dr, Windsor, • Gregory & Tina Wood Dr, Berthoud, from Journey Homes $400,000, home Maki from Western LLC, 165 Alder Ave, • Ross Hartmann States Bank, 811 Skin- $181,900, home Johnstown, $187,200, from Tc Invest LLC, • Diane ner Gulch Rd, Love757 Bluegrass Way, land, $400,000, home Brotemarkle from Fed- home eral Home Ln Mort• Salomea & KazWindsor, $211,000, • Peter & Marilyn gage Corp, 101 E imierz Gutaj from Ry- home Roming from Donald Welch Ave, Berthoud, land Group Inc, 2809 • Timothy & Kendra Edwards, 5125 $145,800, home White Wing Rd, John- Adams from David Brandywine Dr, Love• Maria Hegan from stown, $228,800, Vohs, 1010 Medicine land, $309,000, home Man Ct, Windsor, • Wayne Sauvageau US Bank, 680 Mt Mas- home sive St, Berthoud, • John & Sarah $267,500, home from Fannie Mae, Quist from Oakwood • Candice Monahan 23574 County Road 1, $185,900, home Homes LLC, 3813 • Jose & Johanna from Saint Aubyn Loveland, $170,000, Cabrera from Matthew Beechwood Ln, JohnHomes LLC, 641 Wind home Anderson, 1717 Wales stown, $199,000, River Ct, Windsor, • Steven Arnold home $231,200, home from Federal Home Ln Dr, Berthoud, $355,000, home • Devin Pier from • Charles & Li Kintz Mortgage Corp, 2551 • Orchard LLC from Oakwood Homes LLC, from Cynthia Witt, Fleming Dr, Loveland, US Bank Na Nd, 1075 3837 Blackwood Ln, 1119 Valley Pl, Wind$130,100, home Johnstown, $200,800, sor, $218,900, home 6th St, Berthoud, • Bruce Campbell home $82,000, home • Kaitlyn Hager from Rachel Hein, • Matthew & from Reo Belmont 1350 22nd St Sw, Chelsea Allen from Ridge LLC, 7409 PimLoveland, $110,000, Oakwood Homes LLC, lico Dr, Windsor, home • William & Leola 3852 Kenwood Cir, $278,500, home • Lauren & David Mackie from Daniel Johnstown, $197,300, • John & Kristin Allen from William Cuneo, 1280 Strong home Hamilton from WindHull, 7554 Bison Bluff Ave, Estes Park, • Timothy Marshall mills LLC, 540 MoonSt, Loveland, $149,500, home from Fed Home Loan glow Dr, Windsor, $155,000, home • Jacquelyn & $243,800, home • Robert & Pamela Jacquelyn Dodds from Mtg Corp, 311 Boulder Ln, Johnstown, • Catherine Mears Payne from Steve Sum- Rams Horn Village $182,500, home from Windmills LLC, ner, 4057 Don Fox Cir, Owners Assn, 1565 • Casey & Lindsay 600 Moonglow Dr, Loveland, $237,500, State Highway 66 Unit Fencl from Ryland Windsor, $232,300, home 13, Estes Park, Group Inc, 2769 Blue home • Abelin Weagraff $48,000, condo from US Bank, 1717 • Michael & Bonnie Acona Wy, Johnstown, FORECLOSURES Cameo Ave, Loveland, Haughey from Sandra $303,000, home $166,000, home L Wilson Revocable Trust, 2031 Monida • Martha & John Ct, Estes Park, Miller from Paul An• Joseph & Barbara • Borrower: Sorrel dreason, 1003 W 32nd $325,000, home Ventures LLC Dba, Defranco from St, Loveland, Nicholas Troupe, 1473 Lender: Farmers Bank, • Andrew & Laura $290,000, home Amount: $906,115, S Harvester Dr, MilSlusher from Nancy liken, $139,000, home Property: 1336 E 1st Butterworth, 2825 • Cody Winberg St, Loveland, Filed: Dorsey Dr, Estes Park, from Fannie Mae, • Craig & Sarah 1416 W 40th St, Love- $370,000, home Gutierrez from Fannie 09/29/11 • Jill Zerhan from Mae, 503 S Savannah • Borrower: Frank & land, $152,000, home
Loveland
• Chad Fiscus from Fannie Mae, 1961 Pikes Peak Dr, Loveland, $265,000, home • Janet & Janet Burton from Matthew Farwell, 6064 Clearwater Dr, Loveland, $480,000, home • Kaylyn Waller from Loveland Midtown Development I, 848 Libra Ct, Loveland, $219,900, home • David & Kelly Ries from Laurie Mcphee, 1314 Audubon Pl, Loveland, $215,000, home • Weston & Stephanie Stobbe from Stanley Brader, 1109 W 7th St, Loveland, $225,500, home
Johnstown
Windsor
Berthoud
Jennifer Catalano, Lender: The Bank Of New York Mellon, Amount: $225,566, Property: 3338 Wray Ct, Loveland, Filed: 09/30/11 • Borrower: Patrick & Melissa O’briant, Lender: Bank Of America Na Successor, Amount: $110,046, Property: 128 S Monroe Ave, Loveland, Filed: 09/30/11 • Borrower: Patrick & Jacqlyn Jennings, Lender: Colorado Housing And Finance, Amount: $158,414, Property: 1787 6th St Sw, Loveland, Filed: 10/04/11 • Borrower: Tyler Armstrong, Lender: Home State Bank, Amount: $124,051, Property: 546 8th St Se C-3, Loveland, Filed: 10/04/11 • Borrower: Frank & Anne Azaltovic, Lender: The Bank Of New York Mellon, Amount: $146,033,
Property: 1829 10th St Sw, Loveland, Filed: 10/04/11 • Borrower: Glenn & Ronda Whitmer, Lender: Home State Bank, Amount: $50,000, Property: 2671 W Eisenhower Blvd 100, Loveland, Filed: 10/05/11 • Borrower: David Fay, Lender: The Bank Of New York Mellon, Amount: $197,953, Property: 1330 N Jefferson Ave, Loveland, Filed: 10/05/11 • Borrower: Troy Young, Lender: Us Bank National Association, Amount: $197,134, Property: 3347 Duffield Ave, Loveland, Filed: 09/30/11
Berthoud • Borrower: Darren & Sarah Schnedecker, Lender: Us Bank National Association, Amount: $281,591, Property: 3301 Cottonwood Ln,
Berthoud, Filed: 09/29/11 • Borrower: Craig Siems, Lender: Bank Of America Na Successor, Amount: $138,215, Property: 830 Jay Pl, Berthoud, Filed: 09/30/11
109 Birdie Dr, Milliken, Filed: 10/03/11
Windsor
• Borrower: Carl & Mary Lecroy, Lender: Bank Of America Na Successor, Amount: $169,743, Property: 560 10th St, Windsor, Filed: • Borrower: Eric & 09/30/11 Kimberley Potter, • Borrower: Larry & Lender: The Bank Of Mary Forrest, Lender: New York Mellon F, Aurora Bank Fsb, Amount: $310,320, Amount: $192,313, Property: 307 Holden Property: 1044 Canal Ln, Johnstown, Filed: Dr, Windsor, Filed: 09/30/11 09/30/11 • Borrower: Joel & • Borrower: Glenn & Elizabeth Valdez, Jacquelyn Wiggins, Lender: Deutsche Lender: The Bank Of Bank National Trust New York Mellon, Company, Amount: Amount: $149,629, $195,463, Property: Property: 103 Elm St, 1835 Canvasback Dr, Windsor, Filed: Johnstown, Filed: 10/03/11 09/30/11 • Borrower: John Engel, Lender: Wells Fargo Bank Na Trustee Pooling, Amount: • Borrower: Virginia $186,337, Property: Mares, Lender: Bank Of America Na Succes- 302 Granite Ct, Windsor, Filed: sor, Amount: $236,224, Property: 10/03/11)
Johnstown
Milliken
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E D4
Saturday Reporter-Herald October 15, 2011
Home-sale incentives work only if price is right MICHELE LERNER BANKRATE.COM
H
ome sellers around the country are sometimes eager enough to sell their property that they will offer buyers a car, a personal watercraft or even a pet to sweeten the deal. Realtors say that while these enticements create buzz, buyers are more attracted by the right asking price than a gimmick. “We’re in a price war and a beauty
contest,” said Tony Vehon, broker and owner of Weichert Realtors — Lake Realty in Gold Canyon, Ariz. “Every home has to be priced right and look perfect. After that, a special incentive might drive traffic, especially if you offer something that grabs attention.” Vehon mentioned a client who made the home “move-in ready, selling it with brand-new furniture, linens and kitchen gadgets and even a car in the garage. The house sold, but the
people who bought it didn’t actually want the car. They asked for a credit on the price instead.” Orhan Tolu, broker for Century 21 Realty Alliance in San Francisco, said buying new furniture for high-end listings or giving buyers a $2,000 gift card at an interior design studio can attract attention. “To create some news, the sellers sometimes throw in a Mercedes or a boat if the home sits on waterfront property,” Tolu said.
Martha Thorn, a sales agent with The Thorn Collection at Coldwell Banker Residential Brokerage near Tampa, Fla., said sellers in her area have offered personal watercraft along with a property, and one offered a custom-made fishing cart to buyers. “The house was a $4.9 million mansion on a bluff overlooking the water, and the homeowner had someone make an electric cart” for transporting equipment, Thorn said. Not all incentives are for high-end
property. Thorn said one seller included season tickets to the Tampa Bay Buccaneers’ football games on a home priced at less than $200,000. “The buyers were thrilled with the tickets,” Thorn said, but “the most important thing is always the price.” Linda O’Koniewski, broker/owner of Re/Max Heritage in Melrose, Mass., said she has heard of sellers offering a cat or a dog along with their home. I See INCENTIVES/Page E5
Estate H&RE Real Briefs RE/MAX ALLIANCE TOUTS HIGH INVOLVEMENT IN LOCAL REALTOR ASSOCIATIONS Each year, many local Realtors are elected to their local Board of Realtor associations. These positions reflect a certain level of commitment of time and expertise to their communities and industry. The local Realtor associations are involved in many things — from taking a stance in political issues involving homeowners or real estate professionals, to raising money for local charities, or supporting the local housing authorities, and more. RE/MAX Alliance is proud to announce this year’s involvement on the local board associations in Fort Collins (FCBR), Loveland-Berthoud (LBAR), and Greeley (GARA) are as follows: • Sean Dougherty, FCBR Outgoing President • Ken Anderson, FCBR Incoming President • Amanda Weaver, FCBR Treasurer • Jennifer Kelly, FCBR Director • Francie Martinez, FCBR Director • Billie Jo Downing, LBAR Outgoing President • David Powell, LBAR Incoming President • Debb Manderscheid, LBAR Secretary • Abby Renner, LBAR Director • John DeWitt, GARA President Elect • Kevin Schumacher, GARA Director • Joanne Eskildsen, GARA Director • Mary Bengford, GARA Distinguished Service Award Individuals elected to positions within their local Realtor association are elected among their fellow Realtors (NAR) each year at the end of the summer. Gene Vaughan, broker/owner of RE/MAX Alliance said it is a great honor to have associates in his company take part in these leadership positions. “I’m very pleased that we have such a strong presence in our local boards,” Vaughan said. “It says something very special about these individuals who have taken on this commitment to their community.” Real estate associates who are Realtors are a part of the National Association of Realtors and join by paying dues to their local board associations. To become a Realtor, a real estate licensee must agree to the NAR’s Code of Ethics. NAR’s Code of Ethics includes principles such as loyalty and fiduciary duty to clients, cooperation with competitors, truthfulness in advertisements and more. Many of the practices in the Realtor Code of Ethics go beyond the scope of what is legal or illegal in the real estate industry. Not all real estate associates are Realtors. GARA president-elect, John DeWitt, said it’s important that real estate professionals join their local Realtor association for many reasons. “Realtors are held to a higher standard than other real estate professionals,” DeWitt said. “It’s not just about what is right or wrong in terms of the law, it’s about what is best for their clients, communities and industry.” Vaughan adds that, “it’s important that our associates are not only making a commitment to represent themselves and their company well, but also supporting their communities.” Each local board in Northern Colorado devotes its resources to many local causes and charities. Habitat for Humanity, Larimer & Weld County Food Banks, Neighbor-toNeighbor, Susan G. Komen Race for the Cure, along with grants for many other local non-profits and scholarships through the Colorado Association of Realtors Housing Opportunity Foundation, are a few of the main organizations that FCBR, LBAR and GARA all contribute to. LBAR incoming president, David Powell said this type of community involvement is important to the real estate industry on the local, as well as national levels. “Housing affects everyone in the community, not just buyers or sellers, and it’s paramount that our Realtors are actively involved in bettering our communities,” Powell said. RE/MAX Alliance is the largest RE/MAX franchise in the world, with 19 offices of over 650 real estate agents, spanning from Fort Collins to Castlerock. For more information, please contact Laura Carper at 970-482-1781 or e-mail at lcarper@homesincolorado.com.
GLINK From Page D1
settled for less than the full amount owed, you may find that no lender for will give you a loan for up to five years. Unfortunately, your lender may also have the ability to sue you for any amount of money that is owed above and beyond what is collected from the foreclosure sale. So watch out in years to come because many lenders are selling these deficiencies to collection agencies. Under the documents you signed with the lender, you may have the contractual right to take any of these actions and bear the consequences. On the question of how to act honorably, you will have to decide that for yourself. We’ve written extensively about this issue in the past. When a home is foreclosed, the price it commands in the market is generally far below what it might have gotten if it had been sold to a buyer in an ordinary real estate transaction. Your neighbors may feel that your actions are not moral or honorable. For this reason, some communities now regard short sales as bad but not as “morally” bad as when homeowners “walk away” from their homes, leaving lenders to sell the homes at rock bottom prices. One last side note, you can certainly try to see if your lender is willing to modify the terms of your loan. Call a HUD-certified housing counselor to evaluate your options (the toll-free number is 888-995-HOPE). You should contact your lender sooner rather than later. But if the reason you are unable to pay your bills is because you’ve lost your job, you may find it impossible to get a loan modification.
E Saturday Reporter-Herald October 15, 2011 D5
sellers to offer their own financing,” Tolu said. “...Sometimes someone who is retiring and has a lot of equity in their From Page D4 home will be willing to offer financing because they get “The sellers see it as an encreate some buzz, and at least a decent return on their ticement, but I’ve never actual- get a buyer to take a second money.” ly seen someone successfully look at a property,” O’KoniewsThorn said the most effecpass on their pet to a buyer,” ki said. tive incentives bring traffic said O’Koniewski. Tolu said offering a bonus, to the home, even if the Besides having a home such as an additional 1 percent incentive is given to a charity priced to sell and perfectly or 2 percent commission, will rather than directly to the staged, cash is usually the encourage real estate agents buyer. most effective seller incentive, to show a property, which can “We’ve organized charity she said. help it stand out in a crowded events at a home that’s on the market. “An offer to pay condo fees market, with the sellers donatfor a year or so will definitely “Another option is for the ing money to the local chari-
Incentives
first, and then work on curb appeal and staging. “Sometimes clients won’t even get out of the car if the house doesn’t look good from the outside,” Vehon said. “Buyers need a reason to take the next step and go inside the house.” Once inside, buyers expect to see a home in excellent condition that has been staged to show off its advantages, Vehon said. “The most important thing to remember is that if a house is priced correctly, it can even get multiple offers,”
ty,” Thorn said. “The event gets people into the home, which increases the chance that someone will see it and want to buy it.” O’Koniewski said sellers need to realize that “no amount of marketing will make a dent if the price is not right.” Beyond price, O’Koniewski said sellers should have great photos online and a truthful description of the property. Vehon said sellers should focus on identifying the appropriate price for the property
Thorn said. Mortgage rates bounced back big-time from all-time lows this week. The 30-year fixed-rate mortgage added 16 basis points to 4.17 percent. A basis point is one-hundredth of 1 percentage point. Rates for 15-year fixed-rate mortgages followed suit, jumping 13 basis points to 3.59 percent. The average rate for 30year jumbo mortgages, or generally for those of more than $417,000, was 4.9 percent, climbing 8 basis points from last week’s rate.
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FRIDAY - SUNDAY 12:00-3:00 110 Traders Lane, Milliken Pick your own fixtures, carpet & colors. Wonderful ranch style & 2-story home plans to choose from. Your choice of 3 great subdivision to live in – Settlers Village – Colony Point or Centennial Farms. VALUE YOU CAN SEE… QUALITY YOU CAN COUNT ON with a WINDMILLS HOME. Visit us at 110 Traders Lane in Settlers Village. 100% FINANCING! NO MONEY DOWN!!!
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1126 S. Tyler Ave., Loveland Well maintained 3 bd., 2 ba. home in S.W. Loveland. Close to schools, shopping & the new A.C.E! Open floor plan, central air & 2-car garage. Fully fenced yard w/ sprinkler system, patio, storage shed & extra parking. Vaulted family room & open floor plan make this an easy home to live in!
1459 Cattail Drive, Loveland Great home for 1st time buyer or investor. Located in Southwest Loveland, convenient to shopping and schools. 3 bedrooms, 2 baths and a 3-car garage. Nice landscaping. Lots of storage in the heated/air-conditioned garage. 8x10 shed in back.
2016 Dotsero Avenue, Loveland Original owner! 4 bedroom, 3 bath (2 on main), all brick ranch. Quiet area, mature trees, partially fenced yard, sprinkler system and patio. Newer garage doors (3 years) and roof (3 years). No HOA! Co-listed with Robert Walkowicz 481-6077.
Prices starting in the $150’s
$163,000
$174,900
MLS#
$189,900
MLS# 666599
MLS# 662262
MLS# 665745
Call Tracy Wilson
Call Mary Ann Michels
Call Debbie Guinn
Call Nancy Walkowicz
310-7944
566-4626
461-7136
567-0907
PRICE REDUCED!
NEW HOMES BUILT BY WINDMILLS LLC!
NEW ON THE MARKET!
NEW CONSTRUCTION
FRIDAY - SUNDAY 1:00-4:00
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292 Saratoga Drive, Windsor Greenspire at Windsor Lake. It’s more than just a home… IT’S A QUALITY OF LIFE! Miles of bike trails, open space & parks. Personalize your home from framing to finish! Extraordinary floor plans – Ranch & 2-Story. Lots available on Windsor Lake! Visit our Sales Center at 690 Moonglow Drive or call for a personalized showing!
660 Mt Massive Street, Berthoud Beautiful home in a quiet neighborhood. 3 bedrooms, 2 baths with builder finishes. Hardwood floors in kitchen, panel oak cabinets and covered porch. Unfinished basement offering room to grow. Spacious back yard with excellent views.
3518 Akron Court, Loveland Unique 4-level on a ¼ lot. 4 bedrooms, 3 baths, large kitchen, living room and family room. Master suite w/jetted tub and large shower with 4 heads. Sun room w/tile floor & hot tub looks out to a mature, park-like backyard & multi-level deck. Newer carpet & paint. Low maintenance vinyl & brick siding. Close to schools & sculpture park.
4253 Lookout Drive, Loveland Thinking of downsizing? Not quite ready for a patio home? Come see this open great rm ranch w/ 3bd, 2ba, 1700 fin sq ft + unfin garden lvl bsmt, 3-car, in Mariana Butte. Cherry cabs, wood flrs & more! Guest suite, mstr w/ 5pc bath & lrg walk-in closet. Low HOA dues!
4607 Pompano Drive, Windsor 3 bedroom, 3 bath ranch with 3-car garage. Loads of upgrades, backs to open space! All of our homes are energy-efficient on oversized lots! Visit our models for other plans available starting at $239,900.
Homes Starting in the $200,000s!
$220,000
$259,900
$275,000
$287,296
MLS# 643842
MLS# 664809
MLS# 666526
MLS# 666537
MLS# 661199
Call Kelli Couch
Call Cindy Kurtz
Call Rich Gardiner
Call Valerie Schlageter
Call Kristen Specketer
970-310-8804
962-6832
227-0964
970-217-3464
290-8097
NEW CONSTRUCTION
PRICE REDUCED!
NEW CONSTRUCTION
MOVE-IN READY
SATURDAY & SUNDAY 1:00-4:00
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SATURDAY & SUNDAY 1:00-3:00 SUNDAY 1:00-3:00
4604 Free Hold Drive, Windsor Brand new, beautiful 3 bedroom, 3 bathroom w/loft & main floor master. Garden level, full basement w/deck & 3-car garage. Granite kitchen, stainless steel appliances & much more! See model at 4613 Pompano Dr. Other plans starting at $239,900”
2892 Ariel Drive, Loveland Colorado Craftsman style home quality built by Oak Valley Homes. Kitchen features a large island and shaker style alder cabinetry. Ranch style home with open floor plan backs to open space. Beautiful finishes include hardwood floors, designer tile & slab granite. Full, unfinished basement. Fully landscaped yard.
1759 Horseshoe Drive, Loveland Well-cared for home in Seven Lakes. 3 bedrooms plus study. Engineered wood floors, formal & informal dining, gas log fireplace in family room, newer kitchen appliances, security system. Finished & insulated 3 car garage. Beautiful yard. Close to Boyd Lake and bike trail.
2890 Carina Circle, Loveland Colorado Craftsman style home. Finishes include hardwood floors, designer tile, slab granite, alder trim & doors and shaker style alder cabinetry. 12’ ceilings in great room w/wood beams. SS appliances, gas fireplace and custom built-ins. Fully landscaped. Close to I-25, Centerra and the Medical Center of the Rockies.
920 Norway Maple, Loveland New custom home by Troendly Construction. Ranch w/2 bedrooms & den on main level. Bdrm, bath & family room finished in basement. Tandem 3 car garage. Nice finishes included granite, Alder cabinets & stainless steel appliances. Fully landscaped w/auto sprinklers. Move in ready see this lovely home today.
$295,065
$299,000
$299,500
$335,000
$347,900
MLS# 660768
MLS# 662114
MLS# 665354
MLS# 662119
MLS# 654230
Call Carole Newberry
Call Georgena Arnett
Call Laura Thomas
Call Georgena Arnett
Call Rich Gardiner
443-4047
481-9801
290-7544
481-9801
227-0964
PRICE REDUCED!
PRICE REDUCED!
SUNDAY 1:00-4:00
SUNDAY 1:00-3:00
SUNDAY 1:00-3:00
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1031 Hinsdale Drive, Fort Collins 6 Bdrm, 4 Bath 2-story w/4021 total sf. Loaded w/upgrades and features. Open floor plan, granite counters, new carpet & hardwood flooring.5-Piece master bath, 2 water heaters, full finished basement & more!
629 Green Mountain Drive, Loveland Custom built home. NEW carpet, granite countertops, kitchen hardware, mission style light & interior paint. Wrap-around deck for spectacular views of Pinewood Lake, Longs Peak, Meeker & Indian Peaks. Enjoy hiking, biking & fishing. Minutes from Loveland, Longmont, Boulder & DIA.
1915 Massachusetts Street, Loveland Beautifully appointed south-facing ranch style home. Open floor plan features an amazing kitchen, wood trim & doors, hardwood floors, fine tile accents and much more. Finished basement has a rec room w/wet bar, 2 bedrooms & office. Enjoy the patio and views of the foothills. Huge 4-car garage.
2009 Morning Drive, Loveland Spectacular Views – COMPLETELY Remodeled on 1.48 acres. Private, peaceful & serene mountain feeling, yet the convenience of paved roads, natural gas, city water & public sewer. All-season sunroom w/ radiant heat. Upgrades include iron railing, wood floors, highend finishes, granite counters, SS appliances....
627 Roma Valley Dr, Fort Collins 5 Bdrm, 5 bath 2-story w/5461 total sf. Open floor plan, gourmet kitchen, all bedrooms have private bath, main floor study, full finished walkout basement and backs to Fossil Creek open space.
$369,963
$380,000
$398,500
$431,900
$650,000
MLS# 663036
MLS# 638355
MLS# 665441
MLS# 661575
MLS# 656565
Call Keith Huntsman
Call Stephanie Soule
Call Debbie Hansen
Call John Simmons
Call Keith Huntsman
227-2779
214-2452
222-9618
481-1250
227-2779
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Northern Colorado Real Estate Source e SATURDAY 1:00-3:00 2078 Park Drive, Loveland Lake home offering spectacular views. Exclusive use of lower Hoffman Lake w/potential for a private dock. Relax on your deck & take in the breathtaking views of the Rocky Mountains. Slab granite countertops, tile & custom hickory cabinets, doors & floors. Outdoor shed & 3 car garage. Across from park w/biking & hiking trails.
$785,000 MLS# 666280
Call Cindy Kurtz
962-6832
The Real Estate Source is a magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado. 6]LY JVWPLZ KPZ[YPI\[LK TVU[OS`
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E D6
Saturday Reporter-Herald October 15, 2011
H&RE Front Range Gardening
Winter
prevent frost heaving, a bit of mulch goes a long way. Use organic mulch such as shredded bark or wood chips, spreading it in a three- to four-inch layer in a two-foot area around the plant. More is not better; avoid piling it up by the mound against tree trunks. Such “mulch volcanoes” encourage varmints to nest against the trunk, where they gnaw the bark, or it holds water against the tree and encourages disease. Keep a two-inch buffer between the mulch and the tree to thwart pests. • Clean up the vegetable garden. Just as proper hygiene helps ward off colds and flu, a good cleaning will keep gardens healthy. Many pests spend winter in old plant debris, CAROL O'MEARA ready to attack in spring. Thwart CSU EXTENSION these unwanted guests by getting rid of garden debris, whisking away hidinally, frost is threatening the ing places that protect them from the garden, and we can turn our cold. thoughts to putting it to bed • Some fungi survive on diseased for winter. But like an overactive tod- plants or weeds through the winter, dler, getting the landscape ready for especially viruses. Remove as many bed involves more than a few minutes weeds as possible, clean out the dead of your time. plants, and pick up fallen leaves. The last half of October is a crucial • Blow out sprinkler lines. To keep time to do a few chores, prepping the your system safe, follow these tips plants and sprinkler systems for from the Associated Landscape Conchilly, dry days. Here is a short list of tractors of Colorado (alcc.com): a few tasks for you to put on the • Wrap your backflow preventer for must-do list before the ground freezes as long as you keep your system operand winter arrives. ational. If you haven’t winterized your • Mulch your trees and perennials. system when temperatures are due to To keep moisture in the soil and dip, swaddle the backflow device with R13 building insulation or towels, three to four inches thick, wrapping the pipe all the way to the ground. Cover it all with plastic, then secure it with duct tape. • Once you put the landscape to bed, winterize the system by shutting off the water and draining the lines. Most systems in Colorado require blowout, but a few have manual or
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Prepare for winter with these must-do fall chores
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auto drains to remove water. Should you have one of these, consider blowing out the system anyway, since lines settle over time and low spots often develop that hold water. • Have your system blown out by professionals with an air compressor; most home compressors don’t get enough pressure, leaving lines filled with water. Make your appointment soon; as the month wears on, companies get busy, especially when the temperatures start dropping. The $50 to $100 service can save you problems during the deep freezes of January and February. • Winterize the lawn. Disease-causing fungi invade the turf early in the
slowly feeds the grass and lasts season, living off food made by the grass. Colonizing the soft new growth through spring, a winterizer should of lawns in spring, late summer prob- be used now. Then go with your regulems actually begin just when the lar-strength balanced fertilizer once plant starts actively growing. in early May, once in June, and again Research at Colorado State Univer- in early September. sity has shown that early season fertilization of lawns enCarol O’Meara is with courages both diseases by pushing growth of young CSU Extension in leaves. Before you can worry Boulder County. over your first mowing, the Contact her at fungi have invaded the plant. 303-678-6238 or One way to cheat the discomeara@co eases is to change how you .boulder.co.us. manage the lawn by giving it a shot of late season fertilizer in Front Range Gardening early November. Because it