Realty Guide

Saturday Reporter-Herald November 6, 2010 E1

Real Estate Matters

www.homeandrealtyguide.com • Saturday, November 6, 2010 • Reporter-Herald

Paying loans on inherited property

Greater benefits with Oakwood Homes

ILYCE GLINK TRIBUNE MEDIA SERVICES

Q

uestion: My son purchased a condo in August 2008. He paid $240,000 and put down 20 percent in cash. Similar properties are now selling for about $200,000.

My son passed away in June leaving no will. After a period of 60 days, our county court signed over the title to me and my husband.

The condo is rented out and we are making the mortgage payments.

What are our options for putting the mortgage in our name without refinancing since we would have to put money into it to avoid paying mortgage insurance?

Answer: My condolences on the loss of your son.

Since you inherited the property from your son and since you’re family, the lender may not have the right to call the loan in — that is, to require you to pay back the loan.

You may not need to do anything more than keep paying the loan and stay current. In some situations when there is a death in the family, lenders may be required to allow the surviving members to keep the existing loan.

So, while you may want to have the loan in your name, you may not need to change anything to benefit from his loan. Talk to a real estate attorney in your area to determine what your next step should be. At this point, having the loan in your son’s name may be better for you, particularly if the property is worth less than what is owed on the mortgage.

Given the current real estate market, the last thing any lender needs is another property owner that stops paying — and another possible foreclosure.

Question: I currently am in year five of a 30-year mortgage at 5.4 percent. My home is valued close to $400,000 and I have $230,000 left on my mortgage.

My salary is $60,000 a year and I am supposed to get $1,120 a month child support but have not gotten any child support in over a year, so I do not want to include that as part of my income. I have excellent credit.

Last year I got a home equity line of credit for $30,000 and have used almost $4,000 paying off some debt. The only other debt I have is a car payment of $290 per month. I have no credit card debt.

I’ve looked into refinancing my loan to a 15-year mortgage since rates are so low. However, since I’m not getting child support, it would be tough to take on an increase in the monthly payment. Is it worth for me to look into refinancing to a new 30-year mortgage?

Since the monthly payment would I See Glink /Page E4

Photo special to the RH

Oakwood Homes’ Tina Shearon and Mike Welty in Thompson River Ranch

Low interest rates better deal than tax credits to add more living space.

Many people bought a home for the $8,000 tax id you know the credit, but on this exambenefit from tople the savings are day’s lower intergreater with today’s est rates exceed those of rates. If you purchased the Federal Homebuyer this home at $170,300 Tax Credit back in April? during the federal tax That’s right, you could credit, your monthly payget a higher priced home ment would have been now and pay the same $1,177. Today you could monthly payments as you purchase a home for would have buying a low- $180,300, worth $10,000 er priced home with the more, for that same tax credit. Since the tax monthly payment. Prices credit ended in April, have not changed; you over 50 homebuyers have can just get more with taken advantage of the today’s lower rates. low interest rates at OakOakwood Homes has wood Homes’ Thompson sold nine new homes in River Ranch community October alone to homein Loveland. The success in the community is due buyers benefiting from to many reasons, but low these low interest rates.

“Young couples are findpayments is definitely ing it is often less expenone. If you’re looking to sive to buy a home here take advantage of these interest rates before they rather than rent,” says Tina Shearon, Communigo back up, talk to the ty Manager at Thompson sales counselors at River Ranch. The monthThompson River Ranch this weekend to see how ly payments from buying a home are often lower you can get started. than monthly rent you How much could you save? Here is an example: would be paying elsethe Gilpin is one of Oak- where, plus you’ll own your home. wood’s best selling Oakwood’s latest homes which starts at Dream Loan promotion $170,300 and includes three bedrooms, two-and- sweetens the deal by lowering your monthly payone-half baths, two car ments even more. Want garage and over 1,531 the Gilpin plan previously square feet with choices PAID ADVERTORIAL

D

listed? Well you now only have payments of $931 per month with Oakwood’s Dream Loan.

Oakwood helps homebuyers find a home that works for their lifestyle and budget, and the Dream Loan gives a bit more flexibility in finding the right home for everyone.

If you’re worried about being qualified to buy a home, you’re not alone.

Buying a home is a big step and Oakwood Homes has professionals that will help you with

any details from bankruptcies or foreclosures, to building or repairing credit, to reducing debt that you may have. Oakwood’s Home Buyers Club is a completely free service that will guide you in fixing any credit issues you may have and help you on the path to homeownership.

Ask one of their sales counselors how you can get started today.

For more information on Oakwood Homes’ Dream Loan and homes in Thompson River

Ranch, contact Mike Welty or Tina Shearon at 970-669-9801. You can tour the models this weekend from 10-6 p.m.

To get there: from I-25 take Highway 34 eastbound, take your first right at Thompson Pkwy., then right at Ronald Reagan Blvd. which brings you to the Frontage Road. Turn left on the Frontage Road and you won’t miss the entrance to the community. Visit www.Oakwood HomesCO.com for additional information.

Photo courtesy of Oakwood Homes

Community picnic area and playground at Thompson River Ranch.

Inside this week’s Home & Real Estate

Real Estate Transactions Listings from Front Range properties recently sold

Page E2

Featured Home Plan Breckenridge a spacious European chateau

Page E5

Front Range Gardening Director y Page E5

Carol O’Meara on how to care for beautiful winter cacti

Page E6

Saturday Reporter-Herald November 6, 2010 E2

H&RE Real Estate

H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 6671537.

Loveland • Dick & Johnnie Sears from Cogan Kerry Lyn, 1978 Big Sandy Pl, Loveland, $229,000, home • Kevin & Alice Bergstrom from King Chris, 1852 Hillrose Dr, Loveland, $210,000, home • Omer Stiff from Morse Ronald C & Bette O, 4605 Sheridan Ave, Loveland, $195,000, home • Peter & Karla Driessen from R R Homes Lov Inc, 4910 Georgetown Dr, Loveland, $327,500, home • Daniel Gillespie from Aspen Homes Colorado Inc, 3399 Foster Pl, Loveland, $203,800, home • Raymond & Deborah Neville from Carle Charles & Leora B, 3905 Powderhorn Dr, Loveland, $215,000, home • Lois Muhlen-

bruck from Pulis Nancy L, 1601 Cleveland Ave, Loveland, $222,400, home • Robert & Nancy Ferrero from Deniston Gary D & Stephanie M, 1979 Red Cliff Pl, Loveland, $235,000, home • Rodolfo Medinavaldez from Flores Rhonda, 1720 E 11th St, Loveland, $190,000, home • Thomas & Lori Palmer from Hanson Roger D & Lois M, 413 Radiant Dr, Loveland, $184,500, home • Gary & Stephanie Deniston from Owens Richard R & Lisa C, 3862 Flagler Ave, Loveland, $445,000, home • Eugene & Dorothy Konieczka from San Diego County California, 2719 Courtney Dr, Loveland, $145,000, home • Edward & Sally Leidig from Whittemore Susan J, 4902 Single Tree Dr, Loveland, $394,000, home • Larry &

Claudette Dassow from Zoellner George L & Carol M, 3363 Cuchara Ct, Loveland, $270,000, home

Berthoud • Martin & Krista Flanigan from Stoll James E & Diana L, 750 Holmes Pl, Berthoud, $212,000, home • Paul & Shirley Gonzales from Markell Trent J & Krista L, 1207 Cedar Dr, Berthoud, $184,000, home • Christopher & Heather Garci from Mountain High Home Builders In, 1733 Exeter St, Berthoud, $390,000, home

Estes Park • John D Trust from Powell Robert M & Judy S, 1340 Fall River Rd Unit A, Estes Park, $240,000, condo •AS&W Blankenship from Ethridge Michael E & Tracey M, 2625 Marys Lake Rd Unit 37, Estes Park, $290,000, condo

Johnstown • Dan & Dawn Webster from Buffington Jerald P & Colette, 1848 Green Wing Dr, Johnstown, $283,200, home

Milliken • Levi Dvis from Wahl Randy & Rebecca, 1490 S Haymaker Dr, Milliken, $145,500, home • Michael Small from Myers Paul E & Elisabeth, 89 Double Eagle Dr, Milliken, $211,500, home

Windsor • Ran Sharma from Morrow Nadine F & John J, 1750 Green River Dr, Windsor, $256,000, home • Glenn Labue from Labue Philip A & Bethany A, 1200 Redwood Ct, Windsor, $135,000, home • Stephanie Wajda from Seeton James F, 503 Pelican Cv, Windsor, $305,000, home • Tim Woodworth from Millens Arnold L, 1053 Grand Ave, Windsor, $205,000, home

Incoming NAR President sees challenges, opportunities in 2011 NATIONAL ASSOCIATION OF REALTORS

R

ealtors are ready to meet the challenges of the coming year head-on, according to Ron Phipps, 2011 National Association of Realtors president. Phipps shared his perspective and insights into some of the key issues facing the real estate industry in the coming year during the 2010 Realtors Conference & Expo. “As we make progress toward real estate and economic recovery, Realtors are focused on making sure that home ownership is both attainable and sustainable,� said Phipps, broker-president of Phipps Realty in Warwick, R.I. “However, we know that the old way of doing things just won’t work. We need a new model for both government and the private market.�

As Realtors convene in New Orleans, recent revelations regarding improper foreclosure procedures have created confusion and uncertainty in the market. “This is a very serious problem,� said Phipps. “Homeowners must be reassured that, if they are facing foreclosure, the review process will be accurate and timely. Home buyers and investors must have confidence that the seller of any property is able to convey clear title. We urge lenders to assess the situation and correct any problems they identify, as soon as possible, to restore confidence in the system.�

Foreclosures and short sales currently represent about one-third of all existing-home sales. NAR is actively engaged in helping keep more owners in

Regional Snapshot for Loveland/Berthoud Residential June 2010

July 2010

August 2010

Active Listings Previous Year Active Listings

1101 1095

1092 1086

1054 1074

Sold Listings

169

111

102

$234,000 $207,500

$238,000 $208,000

$192,000 $222,500

132 121

130 122

Median Sales Price Previous Year Median Average Days on the Market Previous Year ADOM

Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald.

EDITORIAL INFORMATION 635-3656

113 121

DISPLAY ADVERTISING 669-5050 CLASSIFIED ADVERTISING 635-3650

Year to Date Listings Sold Previous Year YTD Listing Sold

728 579

839 760

941 887

Monthly Volume Previous Year Monthly Volume

$47,395,158 $34,313,560

$32,486,983 $44,166,425

$25,128,272 $32,956,535

their homes, but when this is not possible, Realtors encourage a streamlined short sales process to help families avoid foreclosure. Toward this end, NAR has met with officials of top banks over the past few months to urge banking leaders to improve their loan modification and short-sale processes.

Availability of mortgage credit is another pressing topic, and NAR has established a set of principles and recommendations that it believes should be the basis for GSE restructuring. The new secondary mortgage market model must ensure that mortgages are available and affordable, establish reasonable affordable housing affordability goals, ensure sufficient capital to support mortgage lending, require sound underwriting standards, and provide for rigorous oversight. “NAR believes that everyone who wants to own a home and is able to afford one should be able to do so,� said Phipps. “That’s why we support measures that make mortgage credit available at reasonable costs to as many creditworthy home buyers as possible.

Our goal is to help Congress and our industry design a secondary mortgage model that will serve America’s best interest today, and in the future. “There’s a reason homeownership is called the American Dream. It benefits individuals and families, strengthens our communities, and is integral to our nation’s economy,� said Phipps. “In the coming year, Realtors will engage policymakers, government agencies and other industry leaders to reinvigorate the real estate market and restore confidence in that dream.�

Mortgage rate update This week Last week Trend

30-year fixed

4.21%

4.29%

15-year fixed

3.60%

3.68%

5/1 ARM

3.28%

3.35%

Let me protect your ride.

Stacia A. Fuller Agency St S 110th 0 & Lincoln, Loveland

45-318621

sfuller@amfam.com 593-5620

H&RE Real Estate Briefs HOA EDUCATION SESSION, NOV. 9: CONDUCTING BOARD & ANNUAL MEETINGS The City of Fort Collins Neighborhood Services will be hosting a Home Owner Association (HOA) educational session on Nov. 9. This class will focus on the procedures for calling and conducting both board and annual meetings.

Training will include guidelines regarding notice, quorum, balloting, executive sessions and owner participation so that HOAs are in compliance with the Colorado Revised Nonprofit Act as well as Colorado Common Interest Ownership Act (CCIOA). The class will also address the use of parliamentary procedure to speed meetings along and control what happens at meetings.

The session is free and runs from 6-8 p.m. in the Community Room located at 215 N Mason in Fort Collins. For questions and to RSVP please contact Ginny Sawyer at 970-224-6070 or gsawyer@fcgov.com.

Information on this event and other programs offered by Neighborhood Services may be found at fcgov.com/neighborhoods.

HOMEOWNERSHIP RATE FALLS IN COLORADO According to the Colorado Division of Housing, The Census Bureau last week released its quarterly estimate of the homeownership rate in Colorado. According to the report: The homeownership rate of 66.9 percent was 0.7 percentage points (+/-0.4%) lower than the third quarter 2009 rate (67.6 percent) and approximately the same as the rate last quarter (also 66.9 percent).

The rate is at its lowest level since the second quarter of 1999.

Looking at the annual data, the current trend in quarterly data matches the trend in annual numbers. The 2009 homeownership rate, the most recent available, shows a rate of 67.4 percent for the United States. This compares to a homeownership rate of 68.4 percent in Colorado. The graph below shows that the homeownership rate in the Colorado has exceeded the national rate since 1999.

Colorado's homeownership rate fell well under the national rate during the Colorado recession of the late 1980s, and did not return to match the national rate until the mid 1990s.

Homeownership peaked in Colorado at 71.3 percent during 2003 in Colorado and it peaked at 69.0 percent during 2004 in the United States.

Since then, both the national and the Colorado rate have fallen to 2000 levels. In 2000, the national homeownership rate was 67.4 percent and the Colorado rate was 68.3 percent.

The homeownership rate is likely to continue falling in the United State and in Colorado as long as job growth stalls. The availability of home financing was at historical highs during most of the past decade, and it is unlikely that these conditions will be repeated in the near future.

Homeownership rates near 70 percent are historically unusual.

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DISTRESSED REAL ESTATE SUMMIT Polsinelli Shughart and Colorado Real Estate Journal are presenting the Distressed Real Estate Summit on Nov. 16 at the Inverness Hotel and Conference Center at 200 Inverness Drive West in Englewood. The Summit will focus on investment opportunities in 2011 and will join more than 500 of the leading players in the Colorado commercial real estate market.

For information on seminar topics or registration information, visit www.crej.com.

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Saturday Reporter-Herald November 6, 2010 E3

H&RE Real Estate

Curb Appeal that Shines in

JILL SCHUETT FOR THE RH

Winter

Y

ou never get a second chance to make a good first impression. Think about it: A potential buyer is slowly driving by a newly listed house on the market. In seconds that buyer will make a decision as to whether their interest is piqued enough to stop, write down the Realtor’s phone number from the sign and set up a showing. A home that makes a positive first impression on the buyer is key in translating curb appeal into dollars. In fact, the National Association of Realtors states that curb appeal sells

49 percent of all houses.

What is good curb appeal?

From the street, a house on the market should communicate a welcoming feel and show that it has been wellmaintained. All in all, good curb appeal can reflect a higher perceived value to the buyer. So set the stage to sell with curb appeal that shines this winter — significantly setting a home on the market apart from the competition.

DETAILS, DETAILS …

• Make sure sidewalks are clear of leaves, dirt and snow. For showings and open houses, put down salt on frosty, slippery driveways and walks.

• The front door should have a fresh coat of paint before the coldest of weather sets in. Replace faded or dingy house numbers and mailboxes. Repair any broken handrails or front steps.

• Cut back any bushes or trees that obscure view to home. Keep yard leaves raked up. Yard and porch should also be free of toys and clutter.

SHINE IT UP …

• A bright red cranberry twig wreath on the front door looks bright and fresh all winter long.

Don’t forget to put down a clean welcome mat.

• Line walkways up to the house with solar lights. Because it gets dark around 5 p.m. when

Metro photo

Use a wreath to spice up the front door.

homes are often shown, this will really make a house stand out. Not only does it give a charming, well kept, homey feel, but it helps potential buyers see more details of the yard and house they may not otherwise be able to see.

• Buy two small (fourfoot) arborvitaes or junipers, plant in a pot, add white lights and place one on either side of the front door. This adds instant appeal and is appropriate all winter long. Also, if there is a good sized patio or deck in back, three evenly placed lighted greenery pieces elegantly shows off a space. Artificial outdoor lighted greenery pieces already in pots are also an option and look great too.

• Fill a large basket with different sized pinecones and place on a well lit front porch. Or, fill empty planters or window boxes with pinecones and throw in a few pine sprigs for color.

This communicates a warm cozy feel and creates excitement for what buyers will see inside.

Get it sold by creating a positive first impression that stops buyers in their tracks — captivating them with curb appeal that sparkles and shines this winter.

Jill Schuett is a Home Staging Expert certified stager and redesign specialist serving Northern Colorado. For questions or more information, email Schuett of Applause Home Staging, LLC jill.applause@ comcast.net, or go to www.applausehome staging.com

Ask Angie: Repairing laminate countertops may not be optimal ANGIE HICKS MCCLATCHY-TRIBUNE Dear Angie: I have laminate countertops and it seems somehow part of them got discolored, they are dark counters and it looks like a coffee mug with bleach on the bottom was set on the counter. Is there any way to have that small area ’touched up’ or do I need to replace the entire counter?

Angela B., McCordsville, Ind. Dear Angela: Bleach might not be the culprit, as it typically doesn’t harm laminate tops, unless the top surface of the countertop, the melamine, has worn off. Other household products that have high acidity or harsh chemicals, drain cleaners for example, could be the source of the problem.

Unfortunately, there aren’t many effective ways to repair laminate countertops. You do, however, have a few options.

Depending on the age of the countertop, you might be able to track down the manufacturer to find a replacement piece for just that section. One drawback is that adding a replacement section usually means more seams on the countertop, so the transition won’t be as seamless. Another downfall is that the color of the existing laminate countertop surface has likely faded over time from the ultraviolet light from the sun. Since the patch piece probably has not been affected, the repair would be more obvious in the color discrepancy.

One relatively inexpensive option would be to add a counter saver. These cutting boards can be installed in a damaged countertop by cutting out that section of the top, putting the counter saver in its place, and sealing it with a metal trim. Depending on where on the counter the stain is located, though, this might not be practical.

There are some companies out there that do spot repair, where repairs are blended to match the existing surface. If the area is too large for a spot repair, you could have the countertop refinished in a color of your choice. Many companies refinish laminate countertops for less than what it would cost to replace them.

Ultimately, you might not be happy with the aesthetic appearance of the repaired countertop. It might be a better value to replace it rather than spend hundreds of dollars repairing the existing one, only to find you’re still not happy with its appearance.

Open Houses This Weekend - www.thegroupinc.com BEAUTIFUL HOME!

MODEL HOME FOR SALE!

SUNDAY 2:00 - 4:00

SATURDAY 1:00 - 3:00

1221 E. 6th Street, Loveland - 2BD 1BA 1,027 sq. . 810 Village Drive, Milliken - New homes star ng in the ranch! Newer decorator paint including cabinetry w/ $130’s. Ranch & 2-story plans. 3 bedrooms, 2 baths with new hardware. Flex room would be great office/study 1-2 car garages. Lots available that back to open space & area. Fenced backyard w/pa o. Close to walking path, parks. Visit the model home at 810 Village Dr or call for a personalized showing! Co Rd 60 east of Milliken, south on Chilson Rec Center & Library. All appliances stay!

Trader’s Lane, east on Village Dr.

THESE UNITS ARE LOADED!

SUNDAY 1:00 - 3:00

FRIDAY-SUNDAY 1:00 - 4:00

1550 W. 28th Street B-8, Loveland - Beau ful condo on Ca ail Golf Course. To die for mountain and golf course views!!

Completely renovated 2 bed 2 1/2 bath and 2-car garage with hardwood floors and fireplace. Ameni es include pool and open space. New quartz countertops, carpet/ le flooring, 2 new pa o doors and new deck. Move right in.

255 Carina Circle #104, Loveland - Granite counters, SS appl, wood flrs, vaulted ceilings, fireplace & full bsmnts.

They are going fast! HOA covers water, sewer, trash, exterior maintenance & insurance, landscape & snow removal, cable, clubhouse, pool & hot tub.

$125,000

Priced From $130,000s

$177,000

Priced From $151,000

MLS#637733

MLS#624598

MLS#635184

MLS#624039

Call Doug Miller 481-9444

Call Kelli Couch 310-8804

Call Laura Thomas 290-7544

Call Georgena Arne 481-9801

CARE FREE LIVING AT ITS BEST!

SATURDAY 1:00 - 3:00

SATDAY 1:30 - 3:30

SATURDAY 1:00 - 3:00

2534 Begonia Court, Loveland - 1/2 Duplex located on cul-desac. 11x16 screened in porch. New carpet & newly painted interior. Master suite w/ 5’ led shower & walk-in closet. Tiled entry. 2nd bedroom & full bath w/ linen closet. Unfinished full basement. Fenced private backyard w/ sprinkler system. A/C. 2 car finished garage w/ opener.

SATURDAY/SUNDAY 1:00 - 3:00

SATURDAY/SUNDAY 1:00 - 3:00

3314 Williamsburg Street, Loveland - Ranch home with great mountain views! Located across from the neighborhood park and a few blocks from Loveland’s new elementary school.

This home is move-in ready. Vaulted ceilings, a/c, pantry, HE furnace less than 1 yr old. All appliances included. Beau ful yard complete with deck and sprinkler system.

835 W. 7th Street, Loveland - New vinyl windows & vinyl siding. The kitchen is bright. The main floor features wood floors & coved ceilings. The basement is fully finished. The yard includes a water feature, xeriscape landscaping, gazebo, garden shed & fenced garden area. Alley access has a double gate for RV or boat parking.

2472 Anemonie Court, Loveland - Contemporary open flr plan on a cul-de-sac. 4 bdrm, 3bth & 2-c garage. New carpet, front porch, covered pa o, le entry & gas log fireplace.

Master bdrm offers 3/4 bth, walk-in closet & sliding door to the pa o. Finished basement. A/C & sprinkler system. Low HOA fees.

1529 Dryland Street, Loveland - Brand new ranch style home completed in Ta Farms by Keirns Construc on! Several other plans and lots to choose from! 3 Bed, 2 bath, 3 car tandem, full basement and RV parking. Call for details.

$190,000

$195,000

$200,000

$206,000

MLS#640936

MLS#631680

MLS#639565

MLS#632438

Call Julie Hart 481-1443

Call Don A. Riedel 679-8265

Call Cindy Kurtz 962-6832

Call Diana Luthi 481-2692

SATURDAY/SUNDAY 1:00 - 3:00

$319,514 Call Dianne Breneman 222-8549 MARIANA BUTTE GOLF COURSE

TUESDAY - SUNDAY 1:00 - 4:00

SATURDAY 1:00 - 3:00

4635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model home at The Pa os in Thompson Crossing. 6 ranch plans, 3 car gar op ons, garden level lots, views, low HOA dues. Convenient loca on, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low maintanence living at it’s best!

672 Split Rock Drive, Loveland - Innova ve design. Spectacular lake views and private lake rights for fishing, swimming, boa ng and more. Home features an open floor plan with a large main floor master suite and spa like bathroom. Finished walk out basement is gorgeous with a large rec room and spacious bedroom and bathroom.

Priced From $329,000

$380,000

MLS#607818

MLS#613863

Call Val Schlageter 217-3464

Call The Brent Team 556-5305

SUNDAY 1:00 - 3:00

SUNDAY 1:00 - 3:00

2707 Sedona Hills Drive, Loveland - Amazing loca on minutes to mtn recrea on, shopping, restaurants, and schools. Gated Community. 35 acres, 3768 sq , 3beds, 3bath, ranch style home with wood floors, new counter tops, and many upgrades with a walkout bsmt. 24X32 Barn & 30X40 Outbuilding. www.thegroupinc.com/2707.

2422 S. Co Rd 31, Loveland - Home on 35 acres. Montana mber structural log & ICF construc on. Radiant in-floor heat throughout. Expansive hallway leads to the rus c country kitchen, bedrooms & ends at the huge master suite and retreat w/fireplace. Large master bath w/huge shower & large walk-in closet. Amazing views. Outdoor living areas.

$535,000

MLS#632992

Call John Simmons 481-1250

Call Colleen Ligotke 690-1732

AN E XCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE

The Real Estate Source is a magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado.

SUNDAY 1:00 - 3:00

$899,000 MLS#586010

Call Nancy Walkowicz 461-7136

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$725,000

MLS#623194

Northern Colorado Real Estate Source e 530 Deer Meadow Drive, Loveland - Quality custom from Aus n Signature Homes. Enjoy the final opportunity for a lifestyle on Mariana Bu e Golf Course! Golf course lifestyle with no membership fees. Peaceful, quiet se ng with tranquil views that overlook golf course, water and the front range. Robert Walkowicz 377-4945.

Call Mark Moran 218-1891

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45-318724

MLS#632213

MLS#624979

SPECTACULAR LOT!

NEW HOMES AVAILABLE!

1730 Monarch Circle, Loveland - This ranch plan offers approx 2102 fin sq. . plus a full unfin bsmt w/9 ceilings.

Vaulted ceiling in fam room. Kitchen w/large island, granite countertops & upgraded appliances. Oversized 2 car garage.

Large front porch. Front & back yard landscaping included.

Backs to open space.

$299,900

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Saturday Reporter-Herald November 6, 2010 E4

N

W 1

FROM THE $140’S* TO $350’S

E

S

25

4

3

Enchantment Ridge

NW Corner of Wilson & 43rd St.

OPEN SAT & SUN 12-5

• 5 piece baths • 4 car garages • Privacy fencing • Ranch / 2-Stories • Energy Savings Guaranteed 4496 Hayler Avenue, Loveland 4403 Elliot Place, Loveland 45-319375

2

2

970-532-5900

(*w/ qualifying special financing)

3

at current low 30-year rates, your mortgage lender may be able to refinance you into a new 30-year rate by looking at your income, the equity in the property and other factors that affect you.

But understand that you are essentially trying to get a $230,000 with only about $60,000 of gross income. Many borrowers got themselves into trouble over the last many years by trying to overextend themselves. Your best bet is to work with a lender and see what your options are, and see if you can somehow get your interest rate down without too many fees and costs.

Even if you can’t refinance, take heart in the fact that your interest rate is fantastic by historical standards, so you’re doing fine.

Good luck, and let me know what you decide to do.

NEW NORTHERN COLORADO HOMES

4

E 37th St.

45-319374

E 29th St.

Phase 1 Closeout Special

8,000 Buyer Credit

FROM THE $200’s TO THE $500’s

OPEN SAT. & SUN. 1-4

Homes priced from the $140’s - $220’s

OPEN HOUSE SAT. & SUN. 1PM-4PM

AVAILABLE NOW!

The look of a $400,000 home in the $200’s

Models Open Daily 10am-6pm

45-319322

E 11TH ST

DENVER AVE

BOISE AVE

HWY 34

New Homes Priced in the Mid 200’s in Desirable le Seven Lakes Area 5 Piece Master Baths, Walk-in Closets, Air Conditioning, Garages, tioning 3 Car Garages Unfinished Basement, Lake Rights 4 Ranch Plans and a 2 Story with Main Floor Master to choose from

Fantastic views of Longs Peak & Mt. Meeker from the 24 x 12 covered back patio, granite countertops, wood & tile floors, A/C, gas fireplace, 2 baths including 5 piece master, 3 bedrooms and unfinished basement - $298,664

D.E. BURNS CONSTRUCTION Quality • Integrity • Experience • Reputation

970.669.8386

4355 Ridgway Drive, Loveland

970-456-4600

970-227-3893

1/4 mi. So. of Hwy 34 on Boise Ave. - 1899 East 11th Street

www.lovelandmidtownhomes.com

FEATURED PROPERTIES - UP TO $199,999 PRICE REDUCED-$143,900

48-319320

$

Seven Lakes Dr. N. Madison Av.

1

for borrowers, and I can also see the appeal of refinancing to pay even $100 per month less on this mortgage. Getting some child support would certainly help.

You can always shop around and see if you can find a lender who will help you do this. Just watch the closing costs and fees.

You might have to pay a $250 subordination agreement fee to your home equity line of credit lender to keep that loan in line behind your new principal loan. And there could be other fees as well. At some point, all those fees will make refinancing a less attractive prospect.

Shop around and decide. You may want to sit down with your mortgage lender or another mortgage broker to go over your numbers in detail so that you understand where you stand in trying to refinance your loan. Based on your income, it’s unlikely that you can qualify for a 15-year loan, but

US 287

the $30,000 home equity line of credit. You want to borrow $230,000 and you only earn $60,000 per year. Assuming a tax hit From Page E1 of only 25 percent, which is low, that means your take-home pay is at most $3,750 per month (less, if you’re congo down, I could contribute more to my 401(k), which I would hope would outper- tributing to a 401(k) or other qualified retirement plan at work). form the interest I am paying on a new While I don’t know how much you origimortgage. nally borrowed, if you refinanced the I discussed refinancing with my current lender but was told that my debt-to-income $230,000 mortgage balance to another 30year loan at 4 percent, your monthly payratio was not good. They have to consider ments would be around $1,100 per month, the full home equity line as a $30,000 debt. Since that is the case, is it better not not including real estate property taxes and insurance. If you refinance to a 20-year to do anything at this time?

By the way, I am in legal battles trying to loan, you’d chop five years off of the amount of time you have left on your curget the child support owed.

Answer: As enticing as it may be to refi- rent loan, you would pay $1,393 per month. nance to get the lowest interest rates I can see why you might not meet the decades, I’m afraid your debt-to-income ratio seems a little out of whack. It isn’t just current steep requirements lenders have

Glink

3BD, 3BA, END UNIT TOWNHOME!

LARGE CORNER LOT ON CUL-DE-SAC!

Time to Get Your Own Place?

$200,000 - $299,999 A TOUCH OF CLASS-$274,900

Begin your search at homeandrealtyguide.com your online and print real estate source.

836 Welch Avenue-Berthoud

4090 Independence Drive

3402 Red Maple Court

Well maintained 1757sf, 2BD, 2BA, 2 story patio home! 9’ ceilings, gas fireplace, covered front porch w/mtn. views, breakfast bar, full pantry, separate dining area, and an unfinished basement.

Spacious & immaculate end unit townhome!

Master bdrm is on its own level, has 5pc bath & 2 lrg closets. Unfinished basement. 2-car attached garage. Extra windows for lots of natural light. Large yard.

Updated Ranch w/attached 3-car garage!

3bd, 2ba, new tile, carpet, paint & fresh new feel. Master bdrm has 3/4 bath. Covered east side patio. RV/boat parking. No HOA dues!

MLS #640718. $195,000.

Kathy Burcham 303-775-7429 kathy@berthoudrealestate.com www.berthoudrealestate.com

Jim Chance The Group, Inc. Real Estate 970-388-4261 jchance@thegroupinc.com

Jim Chance The Group, Inc. Real Estate 970-388-4261 jchance@thegroupinc.com www.thegroupinc.com/3402

219 E. Michigan Ave-Berthoud

FOR SA LE

3 BD, 2 BA cab and h Ranch, new kit ard bsmt, big wood flrs. Unfin bach yard privacy fe , spklrs, nce. $210,000

2826sf brick 2-story w/3BD, 2BA & across from a park! Maple cabs, corian counters & brkfst bar in kitchen! Solid oak flring, gas fireplace, main flr laundry, 9’ ceilings, crown molding & 2-car gar.

Marian Maggi 970-290-0908 marian@berthoudrealestate.com www.berthoudrealestate.com

$200,000 - $299,999 PRICE REDUCED-$299,000

VIEWS GALORE-$245,000

OPEN HOUSE SAT. 2 TO 5 (ONLY 2 LEFT)

NEW PRICE!

OPEN 1-4 SAT. NEAR SCULPTURE GARDEN

230 Green Mountain Dr.-Loveland

5033 Fawn Ln-Fort Collins

Mirasol Senior Community 1294 Inca Dove Cir. - Loveland

4629 N Franklin Avenue

1020 W. 31st Street

2619sf, 5BD, 3BA mountain home on 2 acres that overlooks Pinewood Reservoir!

Enjoy views from 3 decks, fresh mtn air, and wildlife! New low-e windows, fresh paint, newer furnace & H20 heater.

1728sf, 3BD, 2BA custom cedar log home w/views of Horsetooth reservoir on .6 acre!

New carpeting, wood accents throughout, oak flring, gas log fireplace, and master BD w/5-pc. BA & private balcony!

2 bedroom, 2 bath ranch in lovely senior community. Model home with many extras!

All stainless steel appliances included. $280K Madison & Finch St. Visit the Rio too, priced at $290K.

3 bed, 3 bath home on a beautifully landscaped corner lot! Newer stainless steel appl., roof & paint. Hot tub room & sunroom.

Large family room and oversized garage.

MLS#634133 $209,900

All brick 3-bdrm ranch has 1,802 sf and is updated with new paint, carpet, windows, and trim, plus gorgeous screened porch!

Beautiful landscaping, oversized 2-car garage, and skylights. $209,900

Marian Maggi 970-290-0908 marian@berthoudrealestate.com www.berthoudrealestate.com

Marian Maggi 970-290-0908 marian@berthoudrealestate.com www.berthoudrealestate.com

Mirasol Senior Community Mirasol Sales Team 970-635-5931 airwi@lovelandhsg.org www.mirasolseniorcommunity.com

Steve Baker Sears Real Estate 970-302-0879/970-330-7700 stevebakerrealestate.com

Carolyn Wade RE/MAX Advanced, Inc. 970.217.9178 Carolyn@carolynwade.com www.CarolynWade.com

$300,000 - $399,000

$400,000 - $499,000

$500,000 +

EXCELLENT VALUE--$365,000 IN HUNTERS RUN!

OPEN HOUSE SATURDAY 12PM-3PM

OPEN HOUSE SAT. & SUN. 1-4 TRADES CONSIDERED

45-319010

3202 Sedgwick Circle

4618 Tarragon Drive, Johnstown

NEW CUSTOM RANCH - 288 RESERVOIR

Room to entertain - 4007 sq ft home with mountain views! 4Bed/4Ba, wood flrs, dining room, kitchen w/island, 5-piece master, rec room w/granite bar! Pool/play area & walking paths! MLS#636149

Quick close possible. Spectacular mountain views, 2 bdrms, 2 baths, wood floors, granite counters, open floor plan, covered deck, large patio for entertaining, large 3 car garage. $434,900 #631397

Walkout bsmt., open floor plan, panoramic views. In select group of lots. Pittington Ranch. Many upgrades. Must see. W. on Hwy 34, S. on CR 29 to 18E. 2.3 miles to Flat Iron Rd., right to Reservoir.

Ann Hendrix Infinity Group Realty 720-841-7434 ann@infinitygrouprealty.com

Marta Loachamin Century 21 Humpal, Inc. marta@century21.com 720-323-5089

John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512

homeandrealtyguide.com Your online and print resource for residential, commercial and land for sale

Saturday Reporter-Herald November 6, 2010 E5

H&RE Featured Home Plan Breckenridge, a contemporary European chateau

The Loveland Reporter-Herald is the only daily Newspaper printed in Larimer County!

ASSOCIATED DESIGNS "Oui! Oui!" is a natural response to the Breckenridge. This contemporary European chateau is designed to fulfill the fantasies of families who enjoy living large.

Decorative struts, beams, and shake-textured siding are a treat for the eye, spotlighting gables at four levels. Intricate Craftsmanstyle windows, many of them arched, create a graceful counterpoint, while stone veneer wainscoting adds to the country manor ambiance.

At its core is a lofty vaulted great room, accessed via a vaulted foyer with an equally high ceiling. The wide alcove at the juncture between the two spaces is designed to house a grand piano. Music created here will resonate throughout.

Cabinetry for a home entertainment center flanks the stately gas fireplace, and windows fill most of the rear wall.

Across the room, another fireplace and TV hutch extend the nook that expands the roomy kitchen.

A long conversation bar bounds the kitchen, with wings stretching out in two directions from the sink.

The pantry is larger than most, adding to the wine storage right across the hallway.

A den/guest suite is right off the kitchen. A powder room and gracious dining room with built-in hutch and buffet are also nearby, down a short hall.

ONE-OF-A-KIND LOG ESTATE TUCKED ON 38 ACRES

OFFERED AT $2,400,000 â&#x20AC;˘ SEDONA HILLS, LOVELAND The five-bedroom, five-bath, hand-peeled log home gloriously reflects the mountainous setting that surrounds it. Inside and out, the 6,544-square-foot residence exudes comfort, luxury and an appreciation for nature in every detail. Built in Montanaâ&#x20AC;&#x2122;s Bitterroot Valley by Classic Log Homes, the home is constructed of Idaho logs harvested from fire-killed trees that died more than 20 years before becoming building timber.

3-car attached garage â&#x20AC;˘ more than 7,000 feet of

wired on each level â&#x20AC;˘ interior and exterior

system â&#x20AC;˘

vent system and whole-house fan â&#x20AC;˘ Alder pine

! and exterior powder-coated steel railings 45-320962

For more details, please visit

www.RonMcCrimmon.com

Ron McCrimmon

45-320322

c: 970.214.2763 e: Ron.McCrimmon@Sothebysrealty.com

Twos are the norm in the Breckenridge's luxurious owners' suite. That goes for the walk-in closets, lavs, and even the shower entrances.

Upstairs, a bridge across the vaulted foyer/great room links two large bedroom suites.

But there's more--much more! A huge indoor recreation area is at the rear. Features includes a roomy theater, complete with soda fountain and conversation bar; and next door is a vaulted exercise room with space for numerous work-out machines, plus a spa. Relax and enjoy.

saturday PRICE

$130,000

FROM THE $140â&#x20AC;&#x2122;S

sunday

LOCATION

ADDRESS

HRS

OFFICE

SW LOVELAND

3700 RANCH ROAD

12-3

ERA HERMAN GROUP 970-481-0768

JOHNSTOWN/ MILLIKEN

810 VILLAGE DR

1-3

THE GROUP INC

NW LOVELAND

43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIDGE

12-5

PHONE

970-310-8804

THE COTTAGE REALTY 970-532-5900

PRICE

LOCATION

ADDRESS

HRS

OFFICE

PHONE

$125,000

SE LOVELAND

1221 E 6TH ST

2-4

THE GROUP INC

970-481-9444

FROM THE $140â&#x20AC;&#x2122;S

NW LOVELAND

43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIDGE

12-5

THE COTTAGE REALTY 970-532-5900

140â&#x20AC;&#x2122;S-220â&#x20AC;&#x2122;S

SE LOVELAND

BOISE VILLAGE NO., Âź MI. SO. OF HWY 34 10-6 ON N BOISE AVE., 1899 E. 11TH

MIDTOWN HOMES

970-456-4600 970-481-9801

140â&#x20AC;&#x2122;S-220â&#x20AC;&#x2122;S SE LOVELAND

BOISE VILLAGE NO., Âź MI. SO. OF HWY 34 10-6 ON N BOISE AVE., 1899 E. 11TH

MIDTOWN HOMES

970-456-4600

$151,000

SE LOVELAND

255 CARINA CIRCLE #104

1-4

THE GROUP INC

970-481-9801

$151,000

SE LOVELAND

255 CARINA CIR #104

1-4

THE GROUP INC

$163,900

NW LOVELAND

517 CHESTNUT DR

NOON-3

PREMIER LIFESTYLE REALTY

970-215-4756

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 970-532-5900

$169,900*

NW LOVELAND

4403 ELLIOT PL

12-5

THE COTTAGE REALTY 970-532-5900

$177,000

NW LOVELAND

1550 W 28TH ST B-8

1-3

THE GROUP INC

970-290-7544

$190,000

NW LOVELAND

3314 WILLIAMSBURG ST

1-3

THE GROUP INC

970-481-1443

$195,000

SW LOVELAND

2534 BEGONIA CT

1:30-3:30

THE GROUP INC

970-679-8265

$206,000

SW LOVELAND

2472 ANEMONIE CT

1-3

THE GROUP INC

970-481-2692

$200,000

SW LOVELAND

835 W 7TH ST

1-3

THE GROUP INC

970-962-6832

$232,000

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 970-532-5900

$206,000

SW LOVELAND

2472 ANEMONIE CT

1-3

THE GROUP INC

970-481-2692

$209,900

NW LOVELAND

1020 W. 31ST ST

1-4

RE/MAX ADVANCED

970-217-9178

STARTING AT NE LOVELAND THE $250â&#x20AC;&#x2122;S

1563 LA JARA ST./LAKES POINT

1-4

BURNS CONSTRUCTION970-669-8386

$219,900

SW LOVELAND

319 WREN PLACE

11-1

OBERMAN OPPORTUNITIES

970-402-5694

$298,664

NW LOVELAND

4355 RIDGWAY DR

1-4

THE COTTAGE REALTY 970-532-5900

$225,000

SW LOVELAND

1501 CRESTRIDGE DR

12:30-2:30

COLDWELL BANKER

970-690-5824

$299,900

NW LOVELAND

1529 DRYLAND ST

1-3

THE GROUP INC

970-218-1891

$232,000

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 970-532-5900

STARTING AT NE LOVELAND THE $250â&#x20AC;&#x2122;S

1563 LA JARA ST./LAKES POINT

1-4

BURNS CONSTRUCTION

$319,514

NE LOVELAND

1730 MONARCH CR

1-3

THE GROUP INC

970-222-8549

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP INC

970-217-3464

SE LOVELAND

1294 INCA DOVE CIR

2-5

MIRASOL MARKETING 970-635-5931 GROUP

$329,000

$280,000 $298,664

NW LOVELAND

4355 RIDGWAY DR

1-4

THE COTTAGE REALTY 970-532-5900

$342,500

SW LOVELAND

12-4

GLEN MARKETING

970-663-4522

$299,900

NW LOVELAND

1529 DRYLAND ST

1-3

THE GROUP INC

970-218-1891

Âź MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

$319,514

NE LOVELAND

1730 MONARCH CIRCLE

1-3

THE GROUP INC

970-222-8549

$389,750

SW LOVELAND

975 PRISM CACTUS CIRCLE

12-4

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP INC

970-217-3464

GLEN MARKETING TEAM, ERA

970-663-4522

$329,000 $342,500

SW LOVELAND

Âź MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$535,000

SW LOVELAND

2707 SEDONA HILLS DR

1-3

THE GROUP INC

970-481-1250

$725,000

SW LOVELAND

2422 S CO RD 31

1-3

THE GROUP INC

970-690-1732

$380,000

SW LOVELAND

672 SPLIT ROCK DR

1-3

THE GROUP INC

970-556-5305

$389,750

SW LOVELAND

975 PRISM CACTUS CIRCLE

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$895,000

SW LOVELAND

288 RESERVOIR DR

1-4

PREMIER LIFESTYLE REALTY

970-481-5512

$895,000

SW LOVELAND

288 RESERVOIR DR

1-4

PREMIER LIFESTYLE REALTY

970-481-5512

$899,000

SW LOVELAND

530 DEER MEADOW DR

1-3

THE GROUP INC

970-461-7136

970-669-8386

To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050

For details about these open houses, see the ads in this section. For additional open house listings, please check the â&#x20AC;&#x153;Real Estate Classifiedsâ&#x20AC;? 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 â&#x20AC;˘CLICK ON

OPEN HOUSE MAPS

Saturday Reporter-Herald November 6, 2010 E6

H&RE Front Range Gardening

Blooming Cacti Choose a flowering cactus for dazzling interior decor add color to grey winter days.

“The three cactus types, Thanksgiving (Schlumbergid the spiky showoff era truncata), with pointed with brilliant pinks, “teeth” on the stems, Christmas (Schlumbergera purples, and reds catch your eye as it dangled x. buckleyi), with rounded tips, and Easter cactus (Hafrom a hanging pot in the local greenhouse? If you’re tiora gaertneri), are actually epiphytes. They live in the proud owner of a flowtrees in their native Brazil ering cactus, you’ll find they’re carefree plants that like orchids, but we grow them in pots here,” said Dr. Steve Newman, Greenhouse CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY

D

Easter Cactus

Crops Specialist with Colorado State University Extension.

Although they’re cacti, they don’t grow dry; water yours weekly as the top inch of soil gets dry, and provide it with half-strength fertilizer each time you water. Every third week, give it clear water instead. “Because no one likes to stain furniture or carpeting, most people water without letting it run out of the bottom, and salts build up in the soil. Put the pot in the kitchen sink or bathtub every third watering and let water run though to flush salts out,” Newman said.

Avoid drafty areas for your cactus — chill blasts aren’t good for it. “But the challenge for large Christmas cactus is keeping it out of traffic areas. Sections fall off whenever people brush against them.”

The good news is that these sections are easy to root by placing them in a glass of water, and when the roots come out, pot up the section in sterile, ev-

eryday potting soil. While young, the small plant should be guarded against overwatering, so before you give it a drink, check the soil to be sure it’s not wet.

To have your cactus bloom for Thanksgiving or Christmas next year and each year thereafter, mark your calendar for September 19 as the date to begin the reblooming process.

“Living around the 40th parallel as we do, that’s the date to start stimulating plants so they’re blooming in time for Christmas,” said the 25-year veteran of greenhouse growing. “Poinsettias and cactus — two popular flowering plants — are treated this way.”

A combination of cool temperatures and darkness is the cue these plants need to bloom, so move the cactus to a place with cool, 60degree nights and only nine hours of sunlight daily. After approximately six weeks, Thanksgiving cactus will flower, and after two to three months, Christmas cactus blooms.

The secret to eye-popping color is reducing water to the plant after flower buds have formed, Newman said.

Water weekly until after the flower buds begin to swell, then cut back on the water slightly, letting the cactus dry out between watering without getting bone dry.

Blossom color intensifies if

To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place your ad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com

Apartments/ Garages/Storage Houses 4080 Retail Space 4135 Loveland Unfurnished 4030 Spaces 4070 4 BDRM´s, 2- 3/4 baths Fully Furnished Hair Salon Foothills Apts

1 CAR GARAGE- $95/mo.

Great for storage. rmpm.com. 970-669-0842

FALL MOVE-IN SPECIALS 2 Bdrm Apartment Homes ● Includes Washer & Dryer STORAGE 20 x 40 ● Park-Like Setting with 14´ overhead door. ● Garages Available $325/mo. Call (970)481-5899

1913 W. 15th St.

970-669-7850 - Sorry no pets

Houses

Apartments/ Furnished 4010 ALL BILLS PAID!!!

1 BDRM/studio, furnished or unfurnished. Downtown Loveland. $500-$550/mo.

Call 970-391-0834

Apartments/ Unfurnished 4030 1 BDRM, $550/mo.

Clean, quiet, friendly complex, No pets.

Walk-in closet, storage. HT & WTR PD. 970-667-8370.

1 BDRM in LOVELAND $515 + deposit. Heat, water, trash paid.

970-214-2057 or 970-266-0206

2 bedroom townhouse, W/D hookup, patio & storage shed, 1408 S Douty (South of HP), NP, $535/mo, 970-667-2571.

3 BD or 2 BD- Free rent!

Pets nego. Quiet & spac. $645-$795. 970-223-1349 LUXURIOUS UPSCALE APARTMENTS STUDIO, 1, 2, & 3 BEDROOMS- Pool, hot tub, 24 hr. fitness center, business center, coffee shop, salon, pizza & deli.

OPEN HOUSE, Mon-Fri 9am-6pm, Sat. 10am-5pm.

325 E. 5th St., Loveland.

1-888-822-9346 BDRM, 1 BA, hw flrs, $495 211 W. 8th St, Avail now!

Faith Property 970-377-1626

2 & 3 BDRM, cent. loc. New Lrg 2 BDRM, no pets. $575/ carpet/paint. Fncd yd, N/ mo, wtr/sewer pd. 1717 N Cheyenne Ave. #12.

P.Ht/Wtr pd! 970-308-7387 Faith Property 970-377-1626 2 BDRM, 1.5 ba, hkups, $800/mo, wtr/sewer pd.

1842 E 17th St, Faith Property 970-377-1626

Commercial Industrial 4040

4080

NW Loveland. 2318 Abeyta & office spaces, utilities Dr. $950 + dep. Lease & included. 970-613-1477 credit check, (970)667-5077 Hair Salon Booth Rentals $950/mo + dep & HOA fee & office spaces, utilities 2 bdrm/2 ba patio home, 2 included. 970-613-1477 car gar, no pets, 311 Victoria, Berthoud 970-532-2652 $99 MOVE IN SPECIAL 3 bdrm, 1.5 ba, located in Milliken. $995, 970-310-3855 Frederick Home $1200/mo New in 2003 Very nice 3 bdrm, 2 ba w/ gar, huge yd, A/C, applcs. 720-201-9667

EQUAL HOUSING OPPORTUNITY All real estate advertised in this paper is subject to the federal and state Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation, or discrimination.”

The newspaper will not knowingly accept any advertising for real estate which is in violation of the law.

All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.

IMMACULATE 4 BDRM! Beautiful, clean S. Lvld 4 bdrm, 3 bath, main floor master, A/C, green belt.

Avail. 11/15 $1400/mo.

RE/MAX Town & Country 970-532-5096 OWN your own home for what you pay in Rent!

Lowest rates, $0 - $1000 Down Free Prequalification.

Western Plains Realty Ken or Tammy 970-663-5008

✔✔✔✔

To ensure you receive the best response to your advertisement, please check your ad the first day of publication.

We regret we cannot be responsible for more than one day´s incorrect insertion. Billing inquiries can be initiated within 30 days of ad expiration.

Mobile Homes/ Spaces 4090

Condos/ Townhouses 4050

Duplexes

4060

Roommates Wanted 4120

Rooms For Rent

4130

Marianna Butte OPEN HOUSE SAT 12-4pm 496 Mesa Dr 3 bdrm, 3 ba, NEW kitchen, walk out basement, 2 car garage. BEST LOT in Marianna Butte!

(970)669-6957 NEW At Foreclosed Prices Boise Village North Homes $149k-$219k (970) 456-4600 1899 E 11th St, Loveland

Commercial 5030

Exceptional property for living, business or both.

1268 N. Cleveland Ave. Call (970)420-3495

Lots & Tracts

SATURDAY 11-1 319 WREN PLACE Elegant & Spacious! Loc in Derby Hill, this property features contem kit, outdr terrace, 5 bd, 2 ba $219,900.

Obermann Opportunities, Annie (970)402-5694

5100

2 ACRE LOT, Berthoud area, $40K price reduction, $125,000. Call Steve Conder for details, 303-514-3706.

Loveland

2 BDRM, 1 BA, bsmt apt, hkups, 1705 1/2 E 8th St, 1900 sq ft Warehouse/retail $725/mo Faith Property in Loveland. Great loc & 1530 W 16TH, 2 bdrm, 2 ba appearance. 970-396-1165.

970-377-1626 w/ fin bsmt. Lndry rm, pets OK. Grt loc, $1100/mo 2 BDRM, 1 BA, lg kitchen, ✭ 2 BEDROOM HOMES ✭ 3000 SF SHOP, office, 2 ba, 970-481-9739 lndry on site, water/ $575 to $650 + dep.

3 lg doors, 2 hoists, lots of sewer/ trash paid.

2 BDRM Farm House, West Hwy 34. Pets nego.

1125 Gard Pl #1 $575/mo, prkg, $1750/mo, 339 8th SE, 1 BA, ofc, fncd. $850/mo + Se Habla Espanol Faith Property 970-377-1626 Loveland . 970-308-1775 970-685-8573 utils/dep. Lvld, 720-641-9775 OFFICE & PRIV BATH 2 BDRM, 1 BA, lndry on 2 BDRM with bsmt, 2 car $750/mo. 1600 Sq Ft. site. 2nd flr, 1155 E 5th St. ✭ 3 BDRM, 1 BATH ✭ gar, W/D hookup. rmpm.com. 970-669-0842 $550, wtr/swr/gas pd. N/P Remodeled home. West 5 Namaqua Ct. $1000/mo.

Faith Property 970-377-1626 Hwy 34. $700/mo.

No cat/smoker. 970-667-3353 Pets nego. Se Habla 2 BDRM, 1 BA, lndry on Espanol, 970-685-8573 3+BD, 2+2BA, NW Lvl site. Great loc! 1654 16th St 2 car gar. Close to schools, $625, wtr/swr/gas pd. N/P frpl, wood floors, semi-fin Faith Property 970-377-1626 base, large master suite, NEW HOMES REDUCED! Don´t miss out on this fenced, deck, sprinklers, 2 BDRM, 1 bath, heat, 2 BDRM- 4715 Hahns Peak, pets considered, 1500+ dep SAVINGS EVENT! Easy water & sewer paid. New approval, quick closings & 281-210-7961 $895/mo. NICE! carpet. No smoke/pets. affordable payments.

Call rmpm.com 669-0842 $600, (970)667-0365 3+ BDRM, 1.5 ba, ranch. Tax ID´s welcome. Limited Newly updated, very clean, availability ACT NOW!!

2 BDRM 1 BATH, new winCall 970-420-8488 *wac 3 BDRM, 2 BA ranch, 2 car, $1050. 970-218-6229/ 685-4085 dows, D/W, ONLY $595. sm fncd yd, frpl, hkups, Call 970-226-5600 avail now! $900/mo 3 BDRM, 1 bath, att gar, FTCRENT.com Faith Property 970-377-1626 priv fence, newer applcs, paint, carpet, wood blinds, 2 BDRM, 1 BA utilities 1487 E. 8th, No smoke/pets. included! $665/mo. with $850, (970)667-0365 new carpet, big windows, close to shopping!

3 BDRM, 335 Lark BuntingROOM FOR RENT Call today (970)669-1375 2 BDRM, 1 BA, gar, fncd $1295/mo. Great Condition! $400/month yd, hkups, 2 story Call rmpm.com 669-0842 includes utils.

1604 Albany $675, wtr/swr/ 303-548-4332 gas pd. Avail now!

Faith Property 970-377-1626 2 BDRM, $650 + elec, 3 BDRM, 4460 Hayler free heat & basic cable, $1250/mo, fin bsmt, N/P. 2 BDRM- 410 22nd, $795. clean, pantry. No pets.

Call rmpm.com 669-0842 Unf bsmt, 1 car, newer crpt Coin-op. 970-663-6787 or Call rmpm.com 669-0842 970-430-0859 3 BDRM, 903 Ptarmigan $1250. New carpet, N/P. 3 BDRM, 2 ba, gar,W/D Fully furnished large Call rmpm.com 669-0842 3 BED IN North Loveland rooms in Lvld. Laundry, Upstairs unit in 4-plex 1.5 hkps, $700. No pets/smk. 2 Birkley Ct Lvld 970-667-3353 A/C, cable, all util. incl. baths Washer/Dryer hook$325/mo. (970)227-1585 3 BDRM, w/bsmt, A/C, ups, off street parking. $675 BACK ON MARKET! new carpet in West Lvld. + deposit. No pets. Call Large furn room inc utils, $1000/mo. w/12 month Georgia - Kosmos R.E. 1200 SF- 3 bdrm, 1.5 bath. $850 + $850 dep + utils. lease & sec dep. Pets on phone, cable TV, kitchen, 970-667-8347 lndry. $380/mo. 970-622-0077 Call (303)772-7390 appr. (970)685-8573

5110

Mobile/ Manufactured Homes/ 5130 5110 Spaces

BANK OWNEDTri-Lvl, 3 bdrm, 3 bath w/ bsmt. New floor coverings, int paint & appliances. $174,900. Re/Max Alliance, Wanda Quaid, 970-481-3033

411 E 12 ST ✭ MLS 637797 $124,900, ranch 3 bed, 2 bath, 1067sqft, 24x16 workshop. Call Rob (970) 481-2133 At Home Real Estate Co

✭ MOBILE HOMES ✭ BUYING/SELLING Local park needs used mob homes. We´re buying! Big Sale! Many single & dbl wides. Fin avl, auto approval on owner fin homes.

Bad credit OK! Moves avl.

970-222-1473 ✭ 690-2725 or 690-3283 ✭

Best Buy in Loveland! 3 BDRM, 1 3/4 baths, 55+, carport, 2 storage sheds, immaculate inside & out.

Drive by 221 W. 57th, Lot A-9. $11,995 303-682-1919.

Rural A picture is worth a thousand words Try a classified picture ad! Call for details

970-635-3650 BANK OWNED, HUD & VA www.Foreclosures InLoveland.com to request a copy of the list!

Julie Stinson RE/MAX Alliance 970-622-1809

Luxury Townhome Beautiful location in Fairway Ridge at Mariana Butte.

Walk to the clubhouse!

Ranch style, 3 bdrm, 2.5 ba, 2 car. FSBO $295,000. Will consider leasing. (970)669-2196

5180

~ HORSE PROPERTY ~ 5 bdrm, 4 ba ~ 5000 sq ft on 1.5 acre ~ Johnstown. $275K SS Western Plains Realty Ken or Tammy (970)663-5008

Eagles Extra Online

reporterherald.com

ThinkStock photos

Christmas Cactus the plant dries once flowers start, he said; many growers finish flowering plants this way during the last two to three weeks before they go on sale.

Be aware that too dry will abort the flowers, so to avoid it going too far, get to know your cactus soil by inserting your finger in it up to the first knuckle, just before watering. Note that moisture level; as you dry down your cactus, check the soil to gauge when it’s a bit drier but not parched. “This is the best water meter ever invented,” says Newman, holding up his hand and indicating the tip of his index finger.

As flowers un- Front

fold, move it out into the room where you want to display it, keeping it in bright, indirect light. A cool room is best; too much heat can cause flowers to fade and drop quickly, and if the leaves wrinkle, the plant is too dry or too warm. There’s no need to feed it during blossom, but after flowering, return the cactus to normal care of fertilizing at half strength and watering weekly.

Carol O’Meara is with CSU Extension in Boulder County.

Contact her at 303-678-6238 or comeara@co .boulder.co.us.

Range Gardening

Deck and patio winter checklist ARTICLE RESOURCE ASSOCIATION

T

he patio season is winding down, but it doesn’t mean it’s time to neglect your outdoor space. While the season for outdoor decorating and hosting is about to take a break, you can do a number of things to make sure your deck or patio stays in good shape for next year.

Winter also presents a great time to work on some projects that can make your outdoor space look even better once the warm weather comes back.

Before the weather gets too cold, you’ll want to make sure you take care of a few things to protect your deck or patio from Old Man Winter’s wrath. Follow this checklist as you prepare for winter: • Clean your patio furniture before putting it away for the season. If you don’t have a place to store furniture inside, cover it with a tarp to protect it from the elements.

• Bring flower pots and other containers used to hold plants inside, as ice or cold temperatures could cause them to crack.

• Whether you have a cement patio or a wood deck, it’s a good idea to clear it of leaves and other organic material, as it could cause mold, rot, staining or mildew if it is left there all winter.

• The period before winter provides a great time to clean and stain your deck.

Staining your deck helps protect it from the elements and the process works best when the temperature is around 50 degrees.

How to stain a deck: Re-

move all dirt and debris. If old deck coating is peeling, you should remove it using stain stripper. Before staining, apply wood deck cleaner liberally and allow to stand for five to 10 minutes.

You may have to scrub areas with hard-to-remove-stains.

Rinse with a hose and lightly sand the surface after it has dried (recommended 24 hours after rinsing), removing dust before applying stain. If using a solid color, apply two coats of stain. If using a clear or semi-transparent stain, one coat will suffice. Always “back brush” for optimum penetration and uniformity. Avoid staining in direct sunlight or on hot surfaces.

Once the cold weather sets in, it’s a great time to head to your garage to work on some do-it-yourself projects that will improve the look of your patio in the spring. Here are a few suggestions: • Build planters for flowers or other plants so you can place them on your patio this spring.

• Stain wood furniture or other wood items that you display on your patio. If you have leftover stain that you used on your deck, this is a great way to get more use out of it. If you’re going for a more colorful look, stains are also available in a wide range of colors — not just brown.

• Make rolling plant caddies to keep your plants from sitting directly on your deck, which can cause stains and decay.

By giving your deck the proper treatment during fall and tackling some projects during your downtime in the winter, you’ll be able to have your patio looking good in no time once spring rolls around.