Real Estate Matters
www.reporterherald.com • Saturday, November 19, 2011 • Reporter-Herald
Refinancing now may be best option ILYCE GLINK TRIBUNE MEDIA SERVICES
THE
Ponderosa
by Midtown Homes
Q
uestion: I was listening to your radio show on Sunday, and after what you said about your mortgage, I’m thinking I should refinance again. I heard you say you refinanced your 15-year mortgage and continued to pay your current payment. My house appraised at about $400,000, and my mortgage balance is about half that on a 15-year loan at 4.375 percent. I’m a couple of years into that loan, so maybe I have 13 years left. I plan to stay in my house for at least five more years. I just heard Larry Kudlow on CNBC say that rates have not bottomed out. Do you think I should refinance, and can you recommend a good lender? Answer: We don’t recommend mortgage lenders. To find a great one, you should talk to at least one national mortgage lender, one local lender, a credit union and a mortgage broker. Ask your friends which bankers and brokers they have used; if they had a good experience with that person or company, give them a call as well. One advantage to you as you look for a lender to refinance your loan is that you have a great rate on your current loan; if the lender you decide to work with fails to come through, you can move on to another lender quickly. Unlike when you are trying to buy a home, your only pressure at this time is to find the right interest rate and to close on that interest rate as soon as possible to take advantage of the reduced rate. While there are so-called “experts” out there who believe that interest rates have not bottomed out, we decided to refinance our home loan to take advantage of the lower rate. We might have gotten a lower rate if we had waited, but we felt that the terms offered by our mortgage lender and the costs we were charged were an excellent deal. With rates as they are now, you might be able to lower your interest rate by about one full percentage point. If that’s the case, and the costs to refinance are low, you can immediately take advantage of that lower rate. Then, if rates go down further, you can always consider refinancing again. As a general rule, we try not to time the market — that’s how you miss getting a great rate. Here’s how it has worked for out for us: We thought mortgage interest rates had bottomed out a couple of years ago when we started to see 30-year mortgage rates under 5 percent. We thought the same thing when rates dropped another half percent, and again when they reached 4 percent. If we had waited until mortgage interest rates bottomed out, I’d still be waiting and I’d have missed reducing the interest rate on my loan
www.theponderosamodel.com
$7,500 cash incentives on select models through November PAID ADVERTORIAL
M
idtown Homes is setting the stage for some amazing values on select homes, including the top-selling Ponderosa, at Boise Village North. There are only two remaining Ponderosa ranches left priced at $199,900 and are move-in ready for anyone looking to move by the end of the year. Midtown is sweetening the pot with $7,500 in cash incentives for new contracts through the end of November on all Ponderosa and Telluride models. Part of this includes a $3,000 lender incentive towards closing costs with the use of Mike Turner, of Academy Mortgage Corporation in Loveland. Buyers can apply the rest of the credit against the price of a move-in ready home or on options and upgrades. Home options and upgrades include items such as granite countertops, tile backsplashes, wood flooring, air conditioning, landscaping, tank-less water heater, a stainless steel appliance upgrade, refrigerators, washer/dryers and more.
THE PONDEROSA The Ponderosa has 1,200 finished square feet with a full unfinished basement, three bedrooms, two bathrooms and an oversized two-car garage. The home has a full-sized window/
nook, main-floor laundry room, walk-in shower in the master bathroom and a large walk-in closet in master bedroom. Vaulted ceilings are in the kitchen, dining room and living room. The home also has a walk-out patio with a sliding glass door, a large kitchen island, alder cabinets, a walk-in kitchen pantry and a glass cook top. Two move-in ready homes are currently available:
• 1125 Caelum Court This home is situated on a quiet street in a cul-de-sac location and is located next to the city walking and biking trail. The home features an optional study with french doors instead of a third bedroom and wide plank hardwood floors in both the kitchen and dining areas. The home is ready to move-in with full yard landscaping already in place.
• 804 Libra Court One of the largest lots in the subdivision at 8,429 square feet, this home has front yard landscaping and fencing along the back of home. The back yard backs to subdivision open space. Beautiful natural knotty alder cabinets accent the other fine finishes in the home.
VISIT MIDTOWN HOMES Take time to come visit the Midtown Homes sales office to find out more about the MidtownGreen programs and the benefits of purchasing a Midtown Home. Hours: 10 a.m.-6 p.m. daily Address: 1899 E. 11th St.,Loveland For more information: Call 970-456-4600 or email info@newmidtownhomes.com
Bring in this voucher to receive
$7,500 in builder and lender incentives toward cash discounts, closing costs, home options and upgrades with the use of Mike Turner with Academy Mortgage Corporation in Loveland. The following homes are eligible for the $7,500 cash credit from Midtown Homes in conjunction with Mike Turner of Academy Mortgage Corporation in Loveland. The special will run through the end of November.
PONDEROSA (RANCH) Ponderosas feature 1,200 square feet, three bedrooms, two bathrooms and a two-car garage • 1125 Caelum Court: $199,900* • 804 Libra Court: $199,900** *8,429 square-foot lot, front yard landscaping **Cul-de-sac, full yard landscaping
TELLURIDE (MULTI-LEVEL) Tellurides have 1,375 square feet, four bedrooms, two bathrooms and a two-car garage • 902 Delphinus Place: $195,400* • 998 Delphinus Place: $195,600* • 1832 Gemini Court: $186,800** • 1820 Gemini Court: $185,600** • 1827 East 11th St.: $184,300** • 1863 East 11th St.: $179,900 *Large corner lot with fencing **Full yard landscaping
www.newmidtownhomes.com
I See GLINK/Page E2
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
E2
Saturday Reporter-Herald November 19, 2011
Regional Snapshot for Loveland/Berthoud Residential
Mortgage rate update
July
August
September
Active Listings Previous Year Active Listings
978 1092
860 1054
842 1027
Sold Listings Previous Year Sold Listings
134 111
154 102
115 114
$208,958 $238,000
$223,700 $192,000
Average Days on the Market Previous Year ADOM
103 122
107 121
136 122
Year to Date Listings Sold Previous Year YTD Listing Sold
810 839
964 941
1079 1055
Median Sales Price Previous Year Median
GLINK From Page E1
twice in the past three years. Each time we refinanced, we worked with a lender who offered competitive costs, and at times we decided to take an interest rate that might have been a bit above the market but that allowed the mortgage broker to offset the costs involved in the refinancing with the mortgage broker contribution to those costs. The net effect was that our mortgage interest rate might have been a tad higher, but we paid little to refinance and we saved money starting from the day we closed. We found that to be a win-win proposition. In addition, we decided to continue making
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.
This week Last week Trend
30-year fixed
4.03%
4.09%
15-year fixed
3.38%
3.40%
5/1 ARM
2.96%
3.01%
Advertising: For advertising information, call Dan Grassmeyer. Office: 970-635-3615 Cell: 970-214-6297 E-mail: dgrassmeyer@reporter-herald.com
$209,275 $196,000
the same size payments on our mortgage in order to keep the same end date goal for being debt free on our home. For those of you keeping track at home, that means we will pay off our home in roughly 11 or 12 years. Write and tell us what you decide to do and how it goes. Question: We are considering selling a second home to find another one closer to our permanent residence. We do not want to sell until we find another house we like. Is there a way to avoid capital gains tax if we sell the current second home after we have a contract on the new one? I have not been able to find any information on such a situation anywhere; I suspect it is not possible. Answer: The reason you have not found much information to assist you in your tax planning is that the federal income tax benefits of owning a second home are limited. It appears that you
Home & Real Estate is produced every Saturday by the Loveland Reporter-Herald.
are expecting to realize a fair amount of profit from the sale of the second home. Good for you! However, that home may not have been an investment for you in the way you imagine. If a second home is an investment property, Section 1031 of the Internal Revenue Code would allow you, as an investor, to defer the payment of any federal income taxes associated with the sale of your property if you buy a replacement property and follow the strict rules associated with that section. However, you seem to be selling a second home that you’ve used for your own benefit and not as an investment, and we’re not aware of any particular provision that would allow you to sell this home and buy another and avoid or delay the payment of capital gains taxes on any profit from the sale. The silver lining for you is that federal
capital gains rates are historically low at 15 percent, and you can take advantage of those rates if you sell now. Also, you may deduct from your profit the cost of purchase, the cost of sale, and any capital improvements you have made to the property over the years. Your tax preparer, accountant or enrolled agent may be able to answer further questions.
For more information, call Glink’s radio show at 800-972-8255 on Sundays from 9 to 10 a.m., write to Real Estate Matters Syndicate, P.O. Box 366, Glencoe, IL 60022 or visit www.thinkglink.com.
Real Estate Matters
Featured Properties UP TO $199,999 SALES OFFICE OPEN
Peakview Meadows, Berthoud Peakview Meadows Sales office open,Saturday and Sunday from 1-4. Prices starting at $195,900.5 Models to choose from.
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.warbergfarmatchapmanreservoir.com
$200,000 - $299,999 OPEN HOUSE SATURDAY 1-3
OPEN SUN 11-1 PM
OPEN HOUSE SAT. 10 - 1 SUN. 1-4
2432 Arthur Ave, Loveland
Warberg Farm at Chapman Reservoir
Mirasol Senior Community 1286 Inca Dove Cir. Loveland
Low maintenance ranch in S Loveland on a 5th of an acre with over 2000 sq ft of living space. New 50 gallon water heater. Dog run in back yard. Close to the proposed ACE site.
OPEN Sunday 11-1 2+Acre Lake front& horse lots starting $225,000 water tap included. Surface rights,walk paths, parks, boat docks, fishing and peace garden.
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.warbergfarmatchapmanreservoir.com
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.warbergfarmatchapmanreservoir.com
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
Mirasol Senior Community Mirasol Sales Team • 970-635-5931 airwi@lovelandhsg.org www.mirasolseniorcommunity.com
$300,000 - $399,999
$200,000 - $299,999 OPEN SATURDAY 1-4 PM
OPEN HOUSE SAT & SUN 1-4 PM
OPEN THURSDAY - SUNDAY 1-4
4478 Hayler Avenue, Loveland
2175 Rio Blanco Dr
Energy Star - Built Green/Built Better! SAVE $35,000 this weekend! 3 BR, 3 BA, large 24’ deep 2-car garage, sprinkler system, full basement, A/C, backs to greenbelt. Past builders showhome. $219,900
Quality that you have come to expect from Keirns Construction. Lovelands Best of the West subdivisions with easy access to walking trails and recreation. All models open 1-4 Thurs-Sundays
Kevin Cook Cottage Realty 970-532-5900 www.lovelandcorealestate.com
Cliff Johnson Coldwell Banker Res Bro 970-566-9716 johnson.cliff1@gmail.com
$300,000 - $399,999
2485 Forsythia. Very Clean & Welcoming!
3464 Peruvian Torch Drive, Loveland, CO
Pride of ownership shows in this home. This home sparkles with brand new SS appliances. Featuring 4 bedroom,4 baths, amazing covered deck, beautiful landscape. This home is a must see!!!
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. $330,000
Melissa Doherty Coldwell Banker/ Residential Brokerage (970) 391-5800 melissadoherty@aol.com
Venna Hillman ERA Herman Group/ Glen Marketing 970-663-4522 venna@glencompanies.com
$400,000 - $499,999
PRICED TO SELL OPEN SATURDAY 10 AM-1 PM
JUST COMPLETED! NEW PATIO HOME OPEN HOUSE 12 TO 4 THURS.-MON.
BUILDERS MODEL-DAKOTA GLEN OPEN HOUSE 12 TO 4 THURS.-MON
Time to Get Your Own Place?
OPEN SATURDAY & SUNDAY 12-4
3489 Peruvian Torch
8470 Sand Dollar, Windsor CO
1187 Coral Burst Dr. - Crescendo Village in Alford Meadows
Upscale Patio Home - Just completed, 2 bedrooms plus office. Slab Granite island, Solid wood doors, Knotty Alder cabinets, plus more! Amazing mountain views from your deck. MLS# 661675 - $383,000
Nearly new low maintenance home, that you can be in for the HOLIDAYS! Homes boasts of upgrades, including hickory cabinets, granite counters, hardwood, tile, knotty alder door/ trim. A MUST SEE!
Spectacular ranch-style home offering premium finishes throughout. Open floor plan w/10 ft ceilings, designer kitchen, finished basement, slab granite, wood floors, front & back landscaping. $499,900
Venna Hillman ERA Herman Group/ Glen Marketing 970-663-4522 venna@glencompanies.com
Melissa Doherty Coldwell Banker/ Residential Brokerage (970) 391-5800 melissadoherty@aol.com
Ron McCrimmon Fuller Sotheby’s International Realty 970.214.2763 AlfordMeadows.com www.RonMcCrimmon.com
saturday
Begin your search at reporterherald.com/classifieds/homeandrealtyguide your online and print real estate source. 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.
sunday
Price:
Location:
Address:
Time:
Office/Contact:
Phone:
From the $140’s*
Loveland
43rd St & Wilson Ave The Cottages at Enchantment Ridge
12-5 PM
Cottage Realty
970-215-0515
From the $140’s*
Loveland
43rd St & Wilson Ave The Cottages at Enchantment Ridge
12-5 PM
Cottage Realty
970-215-0515
$150,840
NE Loveland
4905 Hahns Peak #104
11 AM-3 PM
RE/MAX Alliance-FTC Downtown, Jeremy Johnson
970-313-6166
$169,900*
Loveland
4403 Elliot Pl
12-5 PM
Cottage Realty
970-215-0515
From $169,900
Loveland
1899 East 11th St.
10 AM-6 PM
Midtown Homes, Boise Village North, Wayne Lewis
970-456-4600
$150,840
NE Loveland
4905 Hahns Peak #104
11 AM-3 PM
RE/MAX Alliance-FTC Downtown, Jeremy Johnson
970-313-6166
$167,900
Loveland
4331 Filbert Drive
1-3 PM
The Group Inc., Real Estate, Nancy Walkowicz
970-461-7136
$169,000
NW Loveland
321 W 4th
1-3 PM
RE/MAX Alliance-Loveland, Jill Leichliter
970-443-7789
Starting at $195,900
Berthoud
Peakview Meadows
1-4 PM
$169,900*
Loveland
4403 Elliot Pl
12-5 PM
Cottage Realty
970-215-0515
Century 21 Humpal, Inc., Kurt Albers & Chris Rampone
970-231-1224, 970-430-0845
From $169,900
Loveland
1899 East 11th St.
10 AM-6 PM
Midtown Homes, Boise Village North, Wayne Lewis
970-456-4600
$200-$299,000
Loveland
2175 Rio Blanco Drive
1-4 PM
Coldwell Banker Residential, Cliff Johnson
970-566-9716
Starting at $195,900
Berthoud
Peakview Meadows
1-4 PM
Century 21 Humpal, Inc., Kurt Albers & Chris Rampone
970-231-1224, 970-430-0845
$200-$299,000
Loveland
2485 Forsythia
Call for appointment
Coldwll Banker Residential, Melissa Doherty
970-391-5800
Under $199,000
Loveland
2432 Arthur Ave.
1-3 PM
Century 21 Humpal, Inc. Kurt Albers
970-430-0845
Windsor
292 Saratoga Drive
1-4 PM
Loveland
2175 Rio Blanco Drive
1-4 PM
Coldwell Banker Residential, Cliff Johnson
970-566-9716
The Group Inc., Real Estate, Kelli Couch
970-310-8804
$200-$299,000
Starting in the $200’s $207,315*
Loveland
3441 Foster Pl
$200-$299,000
Loveland
2485 Forsythia
Call for appointment
Coldwll Banker Residential, Melissa Doherty
970-391-5800
$219,900
Loveland
4478 Hayler Ave
1-4 PM
Cottage Realty
970-532-5900
Starting in the $200’s
Windsor
292 Saratoga Drive
1-4 PM
The Group Inc., Real Estate, Kelli Couch
970-310-8804
Starting at $225,000
Berthoud
Warberg Farm At Chapman Reservoir
11 AM-1 PM
Century 21 Humpal, Inc., Kurt Albers
970-430-0845
$207,315*
Loveland
3441 Foster Pl
12-5 PM
Cottage Realty
970-215-0515
970-962-6832
$215,000
Loveland
3359 Coal Creek St.
11 AM-1 PM
The Group Inc., Real Estate, Shelly Hill
970-310-3457
12-5 PM
Cottage Realty
970-215-0515
$225,000
Loveland
4300 Harrison Avenue
1-3 PM
The Group Inc., Real Estate, Cindy Kurtz
$239,000
Loveland
4496 Hayler Ave
12-5 PM
Cottage Realty
970-532-5900
$247,000
Loveland
3518 Akron Court
1-3 PM
The Group Inc., Real Estate, Rich Gardiner
970-227-0964
$219,900
Loveland
4478 Hayler Ave
1-4 PM
Cottage Realty
970-532-5900
$239,000
Loveland
4496 Hayler Ave
12-5 PM
Cottage Realty
970-532-5900
$247,000
Loveland
3518 Akron Court
1-3 PM
The Group Inc., Real Estate, Rich Gardiner
970-227-0964
$249,000
Loveland
Mirasol Senior Community, 1286 Inca Drive
10 AM-1 PM
Mirasol Sales Team, Amy Irwin
970-635-5931
$249,000
Loveland
Mirasol Senior Community, 1286 Inca Drive
10 AM-1 PM
Mirasol Sales Team, Amy Irwin
970-635-5931
$249,900
Berthoud
1621 Hollyberry
1-3 PM
RE/MAX Alliance-Loveland, Kathy Beadell
970-290-1798
$249,900
Berthoud
1621 Hollyberry
1-3 PM
RE/MAX Alliance-Loveland, Kathy Beadell
970-290-1798
$298,664
Loveland
4355 Ridgway Dr
12-5 PM
Cottage Realty
970-227-3893
$298,664
Loveland
4355 Ridgway Dr
12-5 PM
Cottage Realty
970-227-3893
$299,900
Loveland
1920 New Hampshire St
12-5 PM
Cottage Realty
$299,900
Loveland
4454 Stump Ave
12-5 PM
Cottage Realty
970-532-5900
$300-$399,000
Windsor
8470 Sand Dollar
Call for appointment
Coldwll Banker Residential, Melissa Doherty
970-391-5800
$329,900
Windsor
4613 Free Hold Drive
12 Noon-5 PM
The Group Inc., Real Estate, Kristen Specketer
970-290-8097
$330,000
NW Loveland
3480 Peruvian Torch
12 Noon-4 PM
ERA Herman Group NoCo/Glen Marketing
970-663-4522
$330,000
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
970-663-4522
$299,000
Loveland
2892 Ariel Drive
1-3 PM
The Group Inc., Real Estate, Georgena Arnett Cottage Realty
970-481-9801
$299,900
Loveland
1920 New Hampshire St
12-5 PM
$299,900
Loveland
4454 Stump Ave
12-5 PM
Cottage Realty
970-532-5900
$300-$399,000
Windsor
8470 Sand Dollar
Call for appointment
Coldwll Banker Residential, Melissa Doherty
970-391-5800
970-227-3893
$329,900
Windsor
4613 Free Hold Drive
12 Noon-5 PM
The Group Inc., Real Estate, Kristen Specketer
970-290-8097
$330,000
NW Loveland
3464 Peruvian Torch
12 Noon-4 PM
ERA Herman Group NoCo/Glen Marketing
970-663-4522
$335,000
Loveland
2890 Carina Circle
1-3 PM
The Group Inc., Real Estate,Georgena Arnett
970-481-9801
$383,000
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
1187 Coral Burst Drive, Creshendo Village At Alford Meadows
12 Noon-4 PM
Fuller Sotheby’s International Realty, Ron McCrimmon
970-214-2763
$499,900
Loveland
970-227-3893
$339,900
NW Loveland
3489 Peruvian Torch
12 Noon-4 PM
ERA Herman Group NoCo/Glen Marketing
$365,000
Loveland
6600 Lakota Court
12 Noon-3 PM
Keller Williams, Renee Salza
970-231-5082
$499,900
Loveland
1187 Coral Burst Drive, Creshendo Village At Alford Meadows
12 Noon-4 PM
Fuller Sotheby’s International Realty, Ron McCrimmon
970-214-2763
Saturday Reporter-Herald November 19, 2011 E3
H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 6671537.
County Road 8e, Berthoud, $420,000, home • Thomas & Denise Londrigan from Mountain High Home Builders In, 905 Wilshire Dr, Berthoud, $285,900, home • R Inc from Kendall • Zachariah & Shara Brook Llc, 4950 GeorgeLarson from Dee Sherrill, town Dr, Loveland, 500 Mayo Ct, Berthoud, $49,500, home $299,900, home • Michael Thornton • Jon & Erica Eggers from Twila Kuntz, 3305 from Fannie Mae, 480 Indigo Ct, Loveland, Capitol Ave, Berthoud, $240,000, home $230,000, home • Joseph & Heather • John & Kerri AtkinSchu from Rhonda son from George Krem, Bekkedahl, 3346 Apple Ave, Loveland, $215,000, 1121 Jefferson Dr, Berthoud, $244,500, home • Aspen Inc from Buck home • Jacob Hains from 2nd Lllp, 3366 Foster Pl, Loveland, $55,000, home Neil Swedbergh, 1405 N 4th St, Berthoud, • Richard & Rebecca $169,500, home Riley from Collective Capital Llc, 1807 3rd St Sw, Loveland, $114,000, home • Douglas & Mary • Kristen Quaid from Rampy from Janet ClodVance Harwood, 4097 felder, 641 Meeker Dr, Georgetown Dr, LoveEstes Park, $179,500, land, $181,000, home home • Dustin & Tiffany • Diane Conner from Louder from HJ Bell Donald Moor, 174 StanConstr Inc, 943 Libra Ct, ley Circle Dr, Estes Park, Loveland, $200,000, $320,000, home home • Philip & Janine • Karisa Sprague from Lafrankcis from Michael Home State Bank, 456 Osullivan, 341 Far View Lavastone Ave, Loveland, Dr, Estes Park, $217,000, $175,600, home home • Mederith Lynch from Jean Imbriaco, 4022 Three Bridges Ct, Love• Corey Hagen from land, $135,000, home Fannie Mae, 715 Country • Aaron Nelson from Acres Dr, Johnstown, Donald Jones, 143 W $147,000, home 10th St, Loveland, • Jonathan & Lori $90,000, home Leclair from Raymond • Resident Trust from Nowak, 4331 Onyx Pl, Janice Petrie, 12550 Johnstown, $194,900, Swanson Ranch Rd, Love- home land, $715,000, home • William Wallace from • Dennis Llc from Sally Glenn Richardson, 3646 Scholer, 4767 Parachute Wittaker Cir, Johnstown, Cir, Loveland, $228,000, $245,000, home home • Timothy & Trina Handel from Tyson Tabler, 2452 Black Duck • Brad Hunting from Ave, Johnstown, Jennifer Mcneill, 5614 W $230,000, home
Loveland
Estes Park
Johnstown
Berthoud
Windsor, $167,500, home • Steven Haddon from Melody Homes Inc, 627 Camberly Ct, Windsor, $264,100, home • William Biberos from Melody Homes Inc, 1655 Merton Ct, Windsor, $217,400, home • Elaine & Shawn Snow from Terry Nantz, 817 2nd St, Windsor, $146,000, home • Yazan Qwaider from Points West Community Bk, 1804 Seashell Ct, Windsor, $225,000, home • Shaun & Ashley Barnes from Kenneth Smith, 813 Table Mountain Ct, Windsor, • Henry & Molly Kroh $148,000, home from Yumil Jimenez, • Patricia Kroetch from 1415 Broad St, Milliken, Barbara Specht, 156 $103,900, home Sunflower Dr, Windsor, $141,000, home • Jason & Dawn • Herbert & Vivian Buschmann from WindBecker from Joel White, mills Llc, 141 Veronica 207 Charles Ave, SeverDr, Windsor, $425,100, ance, $182,000, home home • Ronald & Bette • Bobbie & Vicky MeyMorse from Cailey er from Garett Wood, Reiman, 311 Windflower 604 Shoshone Ct, WindWay, Severance, sor, $328,000, home $213,500, home • Molly Steade from • Garett & Diane Wood Frederick Bunyan, 145 from Michael Jaques, 303 Crabapple Dr, Windsor, Immigrant Trl, Sever$146,000, home ance, $415,000, home • James Johnson from Robbie Doman, 602 Wind River Ct, Windsor, • Christopher Prach $247,500, home from Fannie Mae, 1006 • Peter Leclair from Cottonwood Dr, Windsor, James Jensen, 1425 Hill$177,000, home top Dr, Windsor, • Timothy Waterhouse $105,000, home from Philip Hart, 1202 • Leland Dutro from Boulder Ct, Windsor, Melody Homes Inc, 1654 $235,000, home Merton Ct, Windsor, • Timothy Cole from $197,000, home Peggy Kelley, 119 Apple • Joshua Hunter from Way, Windsor, $129,000, Saint Aubyn Homes Llc, home 351 Goose Lake Ct, • Rocky & Arlene Windsor, $287,000, Clark from Albert Lind, home 519 2nd St, Windsor, • Aaron & Diana $75,000, home Mortensen from Thomas • Ryan Spiker from Lit- Boudreau, 8478 Casttle Beaver Properties Llc, away Dr, Windsor, 1406 Windjammer Dr, $413,000, home • Claudia Farfanlorono from Oakwood Homes Llc, 3812 Hunterwood Ln, Johnstown, $225,100, home • Andrew Christensen from BK New York Mellon, 2284 Black Duck Ave, Johnstown, $198,000, home • Johnstown Dist from Wendy Wynkoop Trust, 372 Mountain View Rd Unit 11, Johnstown, $85,000, condo • Justin & Erin Moomey from Ryland Group Inc, 2737 Aylesbury Wy, Johnstown, $291,800, home
Milliken
Severance
Windsor
• Jarrod & Paula Bessire from Fed Home Loan Mtg Corp, 9909 State Highway 392, Windsor, $245,000, home
Foreclosures • Borrower: Thomas Blair, Lender: Jpmorgan Chase Bank National Assoc, Amount: $151,663, Property: 744 Bunyan Ct, Berthoud, Filed: 11/03/11 • Borrower: Lori Langerak, Lender: Onewest Bank Fsb, Amount: $126,888, Property: 316 E Iowa Ave, Berthoud, Filed: 11/09/11 • Borrower: Jacob Rhodes & Vanessa Fleming, Lender: Bank Of America Na Successor, Amount: $207,180, Property: 385 Cholla Dr, Loveland, Filed: 11/03/11 • Borrower: Daniel & Melissa Wiege, Lender: Bank Of America Na Successor, Amount: $165,670, Property: 2011 Chama Ave, Loveland, Filed: 11/03/11 • Borrower: Terry & Candace Edwards, Lender: Hsbc Bank Usa Na As Trustee, Amount: $131,237, Property: 3005 6th St Sw, Loveland, Filed: 11/03/11 • Borrower: Jacquelina Whittemore, Lender: The Bank Of New York Mellon, Amount: $120,105, Property: 1121-1123 E 2nd St, Loveland, Filed: 11/08/11 • Borrower: Mark Lundquist, Lender: Us Bank National Association Nd, Amount: $163,504, Property: 1007 20th St Sw, Loveland, Filed: 11/08/11 • Borrower: David & Margie Gilker, Lender: Colorado Housing And Finance, Amount: $140,433, Property: 641 Starla Ct, Loveland,
Share your news! In the “Together” section of the
750 W. Eisenhower Blvd., Loveland
669-1234
Each office independently owned & operated
vview iew more mo properties at:
www.HomesInColorado.com
OPEN SATURDAY 12-2 P.M. 4297 Golf Vista Dr, Loveland
OPEN SATURDAY 1-3 P.M. 321 W. 4th St., Loveland
OPEN SUNDAY 1-3 P.M. 369 W. 9th Street, Loveland
Amazing Setting! On POND & GOLF COURSE. Dramatic home has all the right elements: GREAT KITCHEN (stunning granite, dbl ovens, views) GORGEOUS MASTER (large soaking tub & HIS/HERS WALK-IN CLOSETS).
Super cute old town bungalow on the West side. 3 Bed/1 bath/1 car-garage. Original wood floors, great trim, newer windows, high ceilings, 95% eff. furnace, deep lot with nice deck, shed, & playhouse.
Absolutely charming 4 bdrm, 2 ba home! Spectacular kitchen remodel. Lots of updating, care & character. Corner lot. Updated baths. Must see! Hwy 34, S on Garfield, W on 8th, N on Grant, W on 9th.
$449,000| MLS #667770
Call Maria McLain 970-217-8500
mariamclain@remax.net
$169,000 | MLS #667898
$199,750 | MLS #667941
Call Jill Leichliter
Call Amber Huber
www.JillSellsHomesInColorado.com
amberhuber@remax.net
970-443-7789
www.7032Ruidoso.com
www.3627Maplewood.com
3377 Crowley Circle, Loveland
Designed with lots of open living and uniqueness. Gourmet kitchen with large laundry/pantry. Storage abounds with walkin closets in ALL bedrooms! Community pool, walking trails, frisbee golf course.
Stunning home backing to open space! Wonderful views of the foothills with greenbelt, walking/biking trails and privacy. This lovely 4 bed/4 bath home has a main-floor office/study and hardwood floors.
$459,900 | MLS #665604
$301,750 | MLS #666187
$350,000 | MLS #665906
Call Nanci Garnand
Call Nanci Garnand
Call Susan Zack
www.LivingInWindsor.com
www.LivingInJohnstown.com
susanzack@remax.net
622-1846 | 227-1327
Amount: $217,121, Property: 3452 Madison Ave, Loveland, Filed: 11/01/11 • Borrower: Alan & Kimberly Johnson, Lender: Colorado Housing And Finance, Amount: $161,650, Property: 915 Bayberry Dr, Loveland, Filed: 11/01/11 • Borrower: Joseph & Ruth Jinselli, Lender: 2010-2 Sfr Venture LLC, Amount: $232,969, Property: 2086 Vancorum Cir, Loveland, Filed: 11/02/11 • Borrower: Theodore Willsey, Lender: Phh Mortgage Corporation, Amount: $216,876, Property: 970 Wagon Train Dr, Milliken, Filed: 10/28/11 • Borrower: Michael Bernard, Lender: Jpmorgan Chase Bank National Assoc, Amount: $200,219, Property: 512 S Savannah Cir, Milliken, Filed: 11/02/11 • Borrower: Marvin Smith, Lender: The Bank Of New York Mellon, Amount: $112,088, Property: 317 3rd St, Severance, Filed: 11/01/11 • Borrower: Laurel Buchanan, Lender: Bank Of America Na Successor, Amount: $289,903, Property: 1100 Cortez Way, Windsor, Filed: 10/28/11 • Borrower: Roger & Joan Stephenson, Lender: 2010-1 Radc/Cadc Venture LLC, Amount: $288,000, Property: 304 Sandy Ln, Windsor, Filed: 10/31/11 • Borrower: Larry & Mary Forrest, Lender: Aurora Bank Fsb, Amount: $203,767, Property: 1045 Grand Ave, Windsor, Filed: 10/31/11 • Borrower: Marc West, Lender: Midfirst Bank, Amount: $167,285, Property: 875 Emerald Dr, Windsor, Filed: 11/02/11
Top 10 dream home features include solar panels, sunroom METRO CREATIVE SERVICES
I
f you were given a chance to design a dream home, what features would you choose first? Take a look at the most popular wish list in 2011 from Nudura, a leading firm in building technology: 1. Curb appeal. Home exterior, driveway, and landscaping must attract admiring attention. 2. Concrete and natural stone, rather than wood framing and brick. These homes (nudura.com) are not only beautiful, they are stronger, more sound resistant, and far more energy efficient than wood frames and brick. 3. Maximum energy efficient throughout from top to bottom. 4. Solar panels in the roof to generate a personal energy source. 5. A large, designer kitchen with natural stone countertops and futuristic appliances, cabinetry and waterworks. 6. Natural hardwood flooring like Brazilian cherry and sustainable bamboo. 7. A sunroom, a front porch, and a backyard finished patio. 8. Vessel sinks, or freestanding bowls above the bathroom countertop, accompanied by wall-mounted faucets. 9. Bedroom walk out or balcony. 10. Designer bathtubs and walk-in shower with marble tile, a seating bench and rainfall showerhead.
217-2939
Check out website updates! The foundation has been poured on this ranch style with walk-out basement, granite counters, 4-car tandem garage & more! Backs to open space & Highland Meadows Golf Course.
622-1846 | 227-1327
Filed: 11/09/11 • Borrower: Lisa Bays, Lender: Wells Fargo Bank Na, Amount: $146,478, Property: 1370 Lavender Ct, Loveland, Filed: 11/09/11 • Borrower: James & Deanna Graham, Lender: Jpmorgan Chase Bank National Assoc, Amount: $166,962, Property: 341 E Mountain Ash St, Milliken, Filed: 11/08/11 • Borrower: Tracey & Kathleen Smith, Lender: Bac Home Loans Servicing Lp, Amount: $153,404, Property: 1031 Wagon Train Dr, Milliken, Filed: 11/08/11 • Borrower: Ted Gualtier, Lender: Wells Fargo Bank Na, Amount: $413,975, Property: 6765 Pumpkin Ridge Dr, Windsor, Filed: 11/08/11 • Borrower: James Tyndall, Lender: Us Bank National Association, Amount: $151,032, Property: 865 Durum St, Windsor, Filed: 11/09/11 • Borrower: Christopher & Jamie Brown, Lender: Jpmorgan Chase Bank National Assoc, Amount: $242,704, Property: 4300 Fernbrook Dr, Loveland, Filed: 10/28/11 • Borrower: Karlina White, Lender: Quantum Servicing Corp, Amount: $168,351, Property: 1156 E 4th St, Loveland, Filed: 11/01/11 • Borrower: Ronald & Joanne Sloan, Lender: Bank Of America Na Successor, Amount: $166,409, Property: 4946 Filbert Dr, Loveland, Filed: 11/01/11 • Borrower: David Stevens, Lender: Gmac Mortgage LLC, Amount: $186,886, Property: 803 Madrone Dr, Loveland, Filed: 11/01/11 • Borrower: Lavina & June Schmidt, Lender: Aurora Bank Fsb,
970-226-1222
IT’S REFI TIME!! Lowest Rates In History John “Nose” ! es ag tg or M
FREE Consult!
www.familymtgco.com
LMB100008492 A+ + Rating NMLS #173945 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm. Regulated by the Division of Real Estate
505 E. 4th St Loveland 970.203.0284
E4
Saturday Reporter-Herald November 19, 2011
Getting Back
the Keys
spotless subsequent credit history and want to get a new loan insured by the Federal Housing Administration, or FHA, or guaranteed by the U.S. Department of Veterans Affairs. The sevenyear requirement applies to buyers who experienced a foreclosure and want to get a new conventional loan that can be sold to Fannie Mae or MARCIE GEFFNER Freddie Mac. BANKRATE.COM In between are a number of two-, three- and four-year timelines based on similar criteria and such other factors as whether the buyer’s previuying a home is a challenging goal for most hopeful homeowners. But for those ous mortgage was current at the time of a short who have experienced a bankruptcy, fore- sale or the size of the buyer’s new down payclosure or short sale, the hurdles are even high- ment as a percentage of the home’s purchase price. er. Generally speaking, the waiting periods after Still, it’s not impossible to buy a home after a bankruptcy tend to be more black and white an adverse financial event, said Dan Keller, a while those after a foreclosure or short sale mortgage banker with Hometown Lending in have more gray areas, Keller said. A waiting peEverett, Wash. In fact, Keller said, people who riod sometimes can be waived or shortened if have cleaned up their credit and are otherwise the buyer’s bankruptcy, foreclosure or short qualified to get a mortgage can buy a home as sale stems from extenuating circumstances or a soon as they have outlasted a prescribed waithardship beyond his or her control. ing period after the bankruptcy, foreclosure or Technically, it is possible for a buyer whose short sale. prior loan wasn’t in default at the time of a The waiting period can last one to seven short sale to get a new FHA-insured loan with years, said Kirk Chivas, chief operating officer no waiting period, Chivas said. But he’s never at First Commerce Financial in Wixom, Mich. The one-year requirement applies to buyers who encountered anyone in that situation. completed a Chapter 13 bankruptcy, have a Buyers must have very clean or perfect credit
Bankruptcy, foreclosure raise hurdles for prospects of new loan
B
histories before they can buy homes after bankruptcy, foreclosure or short sale. A slip-up as small as one late credit card payment could disqualify a post-bankruptcy buyer from some loan programs, even if the waiting period has been completed, Keller said. “Bankruptcy is a serious word,� he said. “If you do it, it’s a get-out-jail-free card. But once you get out of bankruptcy, you need to be flawless in your credit. Don’t even drop a gum wrapper.� Credit dings can be difficult to sort out for buyers who experienced a loan modification or short sale, in part because, as Chivas said, there’s “no consistency� in how lenders report
those events to the credit bureaus. Buyers should review their credit reports and correct any errors or clarify the circumstances of adverse items. Stable employment can be a plus, Keller said, noting that some loan programs are more lenient than others. “If there was a gap, it needs to be explained.� Given these complexities, buyers are advised to consult a loan officer or mortgage broker early for advice. “You want to speak to someone as soon as you start dreaming it up in your head� that you want to buy a home after a bankruptcy, foreclosure or short sale, Chivas said.
Woodcliffe is an expansive craftsman-style home
H&RE Featured Home Plan
ASSOCIATED DESIGNS
T Experience Counts, Especially Now! E Ex Featured Property
353 JOHNSON DRIVE, LOVELAND OPEN SATURDAY 1:30-3:30 P.M.
Don A. Riedel
aking in the bold wooden beams of the Woodcliffe’s porte cochere and entry, what springs to mind is an upscale hunting lodge. Or maybe a Northwestern-style chalet. Either designation could easily fit this expansive Craftsman-style home. All 3,500+ square feet of it are on one level. Behind the vaulted porte cochere is a vaulted breezeway that leads to an even loftier vaulted porch. Handsome squared wooden posts support and accent the entire passageway. Entering the home, you step into a breathtaking vaulted great room, richly windowed at the rear. A fireplace and home entertainment center line one wall. Two of the great room’s five
window sets slide open to provide air flow and access to a patio, part of which is covered and vaulted. On the left, a long, multi-angled eating bar marks the kitchen’s boundary. More light washes into the kitchen through a skylight. Working at the cook top or handy prep sink, you face into the great room and can enjoy the rear vista as well. A bayed nook is at one end and a roomy pantry is at the other, right around the corner from a large home office with a freestanding woodstove. Counters, shelves and a desk with file drawers are all built into this skylit space, as is a wide closet that fills the rear wall. Storage closets line the hallway on the right, which leads to a vaulted den and the Woodcliffe’s deluxe owners’ suite. Luxuries here include a double-wide walk-in closet,
plus a skylit bathroom with a deep soaking tub and an oversized walk-in shower. Two more bedrooms, a vaulted family room and a double-entry bathroom are in the left wing. Visit AssociatedDesigns.com for more information or to search our home plans. A review plan of the Woodcliffe 30715 including floor plans, elevations, section, and artist’s conception, can be purchased for $25. Our home plan catalog, featuring more than 550 home plans, costs $15. Both are available online, by mail or phone. Add $5 s/h. Associated Designs, 1100 Jacobs Dr., Eugene, OR 97402, (800) 6340123.
970.679.8265 cell
970.669.1234 office
driedel@remax.net www.RiedelGroup.com
(Meadowbrook Heights) Immediate closing and possession on this beautifully maintained and located ranch home. Just “right sizedâ€? for retirees or newlyweds or anybody else, this home will accommodate everyone! Huge fenced back yard with cute storage shed, large deck with privacy screen and permanent sun screening movable awning. A natural gas BBQ hookup makes cooking outside a joy! Inside this beauty you’ll ďŹ nd a vaulted living room with natural gas ďŹ replace, compact but “so handyâ€? kitchen with full wall pantry. This home includes all appliances including washer and dryer! Three bedrooms up and one down provide plenty of space for guests’ extended visits! The downstairs family room even includes its own compact kitchen with freezer and refrigerator. The cute east facing “sitting porchâ€? in front is especially comfortable in the cool afternoons away from direct sunlight. Recently painted and “spiedâ€? to within an inch of its life, now is the time to come look and buy it!
MLS #667530 $229,900
NEW NORTHERN COLORADO HOMES Enchantment Ridge FROM THE $140’S* TO $350’S
New Construction
OPEN SAT & SUN 12-5 PM STARTING IN THE MID $200’S
OPEN SAT & SUN 12-5
""# $ %% & ' + , - . 0 11 2% 11
4496 Hayler Avenue, Loveland 4403 Elliot Place, Loveland
970-532-5900 (*w/ qualifying special financing)
Priced from $210K
Priced from $270K
www.CosBuilders.com
Megan Wachtman 8z Real Estate Broker/Owner
970-217-7977
www.MeganWachtman.8z.com www.cohomefinder.com A better way to buy and sell a home in Colorado!
$3,000 BUYER CREDIT NEW HOMES MONTHLY PAYMENTS FROM STARTING AT $999 $169,900 - $229,900 OVER MODELS CONNECTED TO CITY TRAIL
GREAT VALUE GREAT COMMUNITY GREAT LOCATION
Imagine the warmth of sunlit rooms. Become a gourmet chef in a state of the art kitchen. Open floor plans, 3-4 bedrooms, 5 piece baths, 3-4 car garages. (12 models & 50 lots to choose from)
Sales Center 4355 Ridgway Drive, Loveland
970-227-3893
GEORGETOWN
NW Corner of Wilson & 43rd St. !
4 MODELS TO TOUR! STARTING IN THE MID 200’s
TAFT
$6,000 BUILDER INCENTIVE THIS MONTH**
43RD ST.
Sales OfďŹ ce Open 10-6 Daily 1899 East 11th Street, Loveland, CO 80537 Phone: (970) 456-4600 info@newmidtownhomes.com www.newmidtownhomes.com FHA Approved Community
Saturday Reporter-Herald November 19, 2011 E5
Green ways to clean up leaves
Watch for in the the 3rd Thursday of each month.
METRO CREATIVE SERVICES
E
very fall homeowners are faced with cascades of red, purple, orange, and yellow leaves falling from the sky. Amid this rainbow of autumn activity, some people still have “green” on their minds — as in eco-friendly ways they can embark on fall clean-up. Removing leaves from the lawn and yard is a task that few people relish. It can often mean hours spent gathering leaves and then finding ways to dispose of them. Some homeowners stack leaves at the curb in bins and bags. Others torch them in a huge bonfire. Still others scatter them to the street with a gas-powered blower. While these methods may be fast or efficient in their own ways, they are not the most environmentally friendly ways to handle leaf removal. There are some other tactics you can take. Instead of thinking about ways to remove leaves, a greener idea is to think of ways to repurpose leaves. Even though they’ve passed their prime on the limbs of trees, fallen leaves can be an essential part of the ecosystem after they’ve fallen.
BUYING OR SELLING? Ron McCrimmon Is Your Local Real Estate Expert. view more listings at…
RonMcCrimmon.com
970.214.2763
MUCH ABOUT MULCH Fallen leaves can make an ideal mulch, helping to deliver nutrients to the soil during the stark, winter months. Placing shredded leaves around the base of shrubbery and trees can help insulate the root systems and nourish them. Decomposing leaves also provide food to soil insects, including earthworms.
Saddle Notch Road - Loveland Offered at $10,000,000
155 Acres - Estes Park Offered at $2,750,000
GET COMPOSTING Savvy homeowners who have a compost pile to create “black gold” for their vegetables and flowers can add fallen leaves to the pile as part of the secret recipe to wonderful fertilizer. What’s more, because this compost pile is likely close by, individuals won’t need to cart heavy leaves long distances for disposal. Simply wheelbarrow them over to the compost heap and dump.
As a home buyer we know you will feel and experience the difference.
Sedona Hills Drive - Loveland Offered at $2,400,000
RAKE FOR HEALTH Leaf blowers may make fast work of gathering leaves to one area, but they are noisy, smelly and burn gasoline unnecessarily. Instead, look to the old-fashioned garden rake. A person won’t need to visit the gym that day because raking can burn hundreds of calories in an hour and work the muscles in the arms and shoulders effectively. For those prone to blisters, wear gloves and take frequent breaks.
An ENERGY STAR® home provides you the home owner: • Better Comfort • Healthier Indoor Air • Enhanced Durability • Lower Energy Bills Homes built to ENERGY STAR® standards are verified by an independent third party to ensure they meet required above code performance levels.
’LEAF’ THEM ALONE Unless the lawn is completely inundated with leaves, it’s alright to leave some behind. Animals preparing their winter nests or hibernation can collect leaves and use them to insulate their cozy retreats. Leaves can act as fertilizer to the lawn and also food sources to insects.
An ENERGY STAR® home is a better built home
Northern Colorado ENERGY STAR® Homes Indian Creek Ranch - Loveland Offered at $2,000,000
NoCOEnergyStarHomes.org
IDEAL INSULATION Leaves can insulate more than chipmunk nests. Rake some into bags to place around the perimeter of the home’s foundation for a little extra weatherproofing when it’s cold. Surround outdoor garden containers to insulate the soil of delicate plants that will overwinter outside or in the garage. Trees like palms or figs that need to be covered when it gets cold can get extra warmth from insulating bags of leaves.
Downtown - Loveland Offered at $555,000
Learn more at NoCOEnergyStarHomes.org NE
W 27 CON EST STR ATE UC LO TIO TS N!
Crescendo Village - Loveland Offered at $499,900
CALL TODAY FOR A PERSONAL TOUR!
Open Houses This Weekend - www.thegroupinc.com NEW HOMES BUILT BY WINDMILLS, LLC
SATURDAY 1:00-3:00
FRIDAY - SUNDAY 1:00-4:00
SATURDAY 11:00-1:00
SUNDAY 11:00-1:00
4331 Filbert Drive, Loveland 3bd, 2ba, 2car garage. Ranch style home tucked away for privacy. Xeriscaped front yard. Back deck offers incredible views of the front range, as well as mature trees & shrubs. Shed included. No HOA dues! Immediate occupancy. New roof. Off Hwy 287 & 43rd Street West. Co-listed with Robert Walkowicz 377-4945.
241 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 today!
3359 Coal Creek Street, Loveland Spacious 3 BD, 3 BA with lots of extras! Formal & informal living & dining areas, office/ playroom in the finished basement, tons of storage, A/C & fireplace, plus all appliances included! Private backyard.
340 Cardinal Avenue, Loveland Located across from Winona Elemenrtary & Osborne Park. Custom home w/4 bedrooms & 2 baths. Spacious kitchen, formal dining, great room w/vaulted ceilings & fireplace.600 sf master suite offers vaulted ceilings, walk-in closet & 5-pc luxury bath w/jetted tub. Mud room off 2 car oversized garage.
$167,900
Homes Starting in the $200,000s!
$215,000
$220,000
MLS# 662086
MLS# 647386
MLS# 668114
MLS# 668376
Call Nancy Walkowicz
Call Kelli Couch
Call Shelly Hill
Call Emily Waller
461-7136
970-310-8804
970-310-3457
720-231-7183
PRICE REDUCED
LOVELY HOME IN ASHFORD SQUARE!
NEW CONSTRUCTION
NEW CONSTRUCTION
SATURDAY 1:00-3:00
SATURDAY & SUNDAY 1:00-3:00
SUNDAY 12:00-2:00
FRIDAY & SATURDAY 1:00-3:00
SATURDAY & SUNDAY 12:00-5:00
4300 Harrison Avenue, Loveland Warm & cozy remodeled home w/rich wood finishes throughout. Updated furnace, central air, vinyl siding, hardwood floors and high-end laminate. Newer kitchen countertops, dishwasher, shingles & Anderson windows. Gorgeous lot w/pond & RV parking. Oversized garage.
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.
1388 W 48th St., Loveland This 3BD 3BA 3,375 sf ranch is move-in ready! Open w/ vaulted ceiling, large dining room, eatin kitchen & popular split bedroom floorplan. Finished basement. Huge storage room w/cedar closet. Mature landscaping, large deck w/seating.
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.
4613 Free Hold Drive, Windsor Must see ranch plan with walkout on oversized, elevated lot. Very upgraded! Trex patio, 3-car garage, slab granite and stainless kitchen, full basement and much more! Stucco with stone exterior. See our model at 4613 Pompano Drive for more information. Other completed homes available.
$225,000
$247,000
$289,000
$299,000
$329,900
MLS# 667957
MLS# 666526
MLS# 664599
MLS# 662114
MLS# 647804
Call Cindy Kurtz
Call Rich Gardiner
Call Mary Ann Michels
Call Georgena Arnett
Call Kristen Specketer
962-6832
227-0964
310-7944
481-9801
290-8097
NEW CONSTRUCTION
A N E X C L U SIVE SE RVICE OF T HE GROU P, IN C. RE AL E STAT E
Northern Colorado Real Estate Source e FRIDAY & SATURDAY 1:00-3:00 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.
$335,000 MLS# 662119
Call Georgena Arnett
481-9801
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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Saturday Reporter-Herald November 19, 2011
H&RE Front Range Gardening
H&RE Home Improvement
Gardening books make great gifts CAROL O'MEARA CSU EXTENSION
F
rom simple pleasures to outright splurges, the season for giving is upon us. As you rush to buy gifts for your gardeners, consider giving them a gift they’ll treasure for years: books. As old fashioned as that may sound, having a couple of hard copy resources you can reach for when your hands are covered in dirt is priceless. Here are three can’t miss options:
URBAN HOMESTEADING: HEIRLOOM SKILLS FOR SUSTAINABLE LIVING BY RACHEL KAPLAN AND K. RUBY BLUME (SKYHORSE PUBLISHING, $16.95) Now in its second printing, this is a must-have resource for gardeners interested in making the most of the garden’s bounty. “For myself, I started getting concerned with the country’s direction about 10 years ago,” says Kaplan from her home in Petaluma, California, “I started growing food, doing food preservation. Homesteading kept arising as a good way to live; there’s so much joy in in unhooking from the machine. When you get into a repurposing lifestyle (using objects differently instead of throwing them away), you lower expectations and relax.” Novices and experienced gardeners can find advice to suit their skills and needs, and you don’t need to overhaul your life to get started, says Kaplan. Though she puts up 100 quarts of food from her 600-squarefoot garden, yearly, her advice is to start small. “It’s not like the Depression era, where we have nothing so need to convert everything. It’s little changes. Follow your appetite, follow your love; if you like food, start there, if your interest is water, start there. You can do this within your opportunities and lifestyle.” Urban Homesteading is filled with hundreds of project ideas for how you can make the most of your property, from composting or worm bins to food preservation. Find it at urban-homesteading.org.
THE HEIRLOOM LIFE GARDENER: THE BAKER CREEK WAY OF GROWING YOUR OWN FOOD EASILY AND NATURALLY BY JERE AND EMILEE GETTLE (HYPERION BOOKS, $18.83) “People kept asking us for a book that had everything in it,” said Jere, who, with wife Emilee owns the Baker Creek Heirloom Seed company in Mansfield, Missouri. “There are a lot of books dedicated to just melons or squash, but people wanted a book that had a lot of elements within it, not just growing, but seed saving or harvesting, and varieties.” The Gettles know first-hand the surging interest in food gardening; sales at their seed company have
been increasing by at least 20-percent per year over the past five years. “People have an interest in good food, and in growing food.” The varieties section is sure to please with its tips on growing and seed saving for each plant type, he said, but the travel chapter captured his heart. “It brings back so many memories for me; I find it interesting to travel and find seeds, to keep them going.” Find it at rareseeds.com/HG_Gardener .
SLOW GARDENING: A NO-STRESS PHILOSOPHY FOR ALL SENSES AND SEASONS BY FELDER RUSHING (CHELSEA GREEN PUBLISHING, $29.95) For sheer reading fun and plenty of wisdom, Slow Gardening is a joy from cover to cover. Rushing’s approach to gardening won’t appeal to everyone, especially if you’re hung up on insisting all gardens are meticulously groomed and planted to conform. Instead, Rushing celebrates the diversity of gardens and gardeners while giving practical tips on how to get the chores done without senseless repetition. Easy to read, it’s perfect for winter perusal when most gardeners are making vows to make the upcoming season the “very best, ever.” And according to Rushing, the very best garden you can grow is the one that pleases you. Find it at local bookstores or at felderrushing.net/.
Carol O’Meara is with CSU Extension in Boulder County. Contact her at 303-678-6238 or comeara@co .boulder.co.us.
Front Range Gardening
Gift Ideas for the home care specialist METRO CREATIVE SERVICES
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ive your friends and family members who handle home improvement and maintenance projects gifts to help them work efficiently, successfully and safely. Woodcraft offers the following holiday gift suggestions.
TOOLS WITH CLOUT Whether repairing a cabinet door, mounting a picture, building or installing cabinets, or remodeling an entire room, DIYers will likely be drilling, driving, cutting, and possibly joining wood. A Festool CXS Lithium-Ion 10.8V Cordless Drill Multi-Chuck Set can handle all these drilling and driving challenges, from maneuvering in tight spaces to installing cabinets. A belt clip keeps the lightweight (2 pounds) drill/driver handy, and an ultra-bright LED light illuminates dark corners. The Rockwell BladeRunner is a multipurpose, precision cutter that uses any T-shank jigsaw blade and can easily cut wood, metal, ceramic tile, aluminum, and plastic. Operate it attached to the wall or on a benchtop. Put wood together effortlessly with the Kreg Jig Jr., a complete kit for pocket-hole joinery. Nine depth settings make it easy to join materials from 1/2-inch to 11/2-inch thick in 1/8-inch increments. The WoodRiver Low Angle Block Plane with Adjustable Mouth is perfect for finessing trim (mitersand back bevels, for example) and for use anywhere you need to remove a controlled amount of material (trim, molding, doors, shims, etc.). For building projects, the 12inch Pinnacle Combination Square includes a blade, square head and center finder — all the tools needed for virtually any layout.
anced arm for variable positioning of the head and can be clamped to a workbench or tabletop. The toggle clamps eliminate time-consuming manual adjustment to correct clamping force by automatically adjusting to variations in workpiece dimensions, all the while maintaining constant clamping force with a maximum vertical opening distance of 2 inches. The 16inch Versa Spin 360, when used with Painter’s Pyramids and Grabbers, is a versatile support (25-pound capacity) that allows the user to securely and effortlessly rotate projects for sanding, light machining, painting and crafts for better results in less time.
STORAGE, SAFETY & STOCKING STUFFERS
ToughBuilt Mega, Project, Universal, Utility and Tape Measure Pouches range from very large to small and provide temporary storage for tools in the interior pockets. Each can be easily attached to a belt if desired. For personal WORK AREA HELPERS comfort and safety, give your workers a Woodcraft 22-Pocket Apron, FastCap The portable Vika Twofold Workbench and Scaffold quickly turns into a MXV-Pocket Dust Masks (N95 rating), and YGC General Utility Gloves (medi47.6” long, 18.7 inches deep, 31.8 inches high bench or a 21.7-inch high um to extra large). Stocking stuffer ideas: WERA Kraftform Kompakt 26 7scaffold, depending on how the legs in-1 Bayonet Screwdriver that conceals are positioned after unfolding. The six driver bits in the handle and can be bench features a tool tray, drilling hole, protractor and ruler inscribed in- used with cordless drill drivers via a quick release locking chuck and spinto the MDF work surface. Both bench and scaffold have a 500-pound. capaci- ner stored in the shaft, a Snappy 5ty. LED (80 and 60) Magnifying Lamps Piece Countersinking Drill Set, a Cutand Bessey Auto-Adjust Toggle Clamps ting Board Kit (milled domestic and exotic hardwood pieces), a Woodcraft (horizontal low and high and inline) Magazine subscription and a Woodare handy helpers for the workbench craft Gift Card. projects. Each lamp has a spring-bal-