Saturday Reporter-Herald December 11, 2010 E1
Real Estate Matters
www.homeandrealtyguide.com • Saturday, December 11, 2010 • Reporter-Herald
Visit Northern Colorado’s best kept secret Jobs and real estate tethered, for better or worse ILYCE GLINK TRIBUNE MEDIA SERVICES
W
hen President Obama recently proposed a two-year federal employee pay freeze, you could almost feel the real estate industry shudder. That’s because jobs and real estate continue to be tethered together. If salaries are frozen, or if more Americans’ annual income doesn’t keep pace with inflation, it might make them nervous about their future job and income prospects. And Realtors know that if you aren’t confident about your future job and income prospects, it’s unlikely you’ll want to purchase a home. (In a recent speech to the business community, Federal Reserve Chairman Ben Bernanke acknowledged that continued high unemployment is increasing economic uncertainty.) The salary freeze prospect also has an impact on housing prices. When family incomes are flat, it’s very difficult for local home values to appreciate. That’s because lenders traditionally allowed borrowers to purchase homes that cost 2 to 2.5 times family income. In years where the 30-year mortgage interest rate fell to 6 percent or below and lenders were more flexible in what they were willing to do for borrowers, that lending ratio might be stretched to 3 or 3.5 times family income. What happened during the housing boom is that lenders developed creative financing techniques, which stretched tried-and-true lending ratios — with disastrous results. Home buyers who earned $50,000 per year bought $500,000 homes with nothing down. In areas like Nevada, Arizona, South Florida and Southern California, where more home buyers stretched affordability with exotic loans, home prices have fallen faster and farther. But as the unemployment rate remains near 10 percent (officially, and near 20 percent if you count those underemployed), it’s easy to connect areas that have high levels of unemployment with those that have high levels of mortgage delinquency and foreclosure. “The most rapid increases in mortgage delinquency occurred in metro areas where home prices are much higher than local incomes can afford” observed Tom Kingsley, senior fellow at the Urban Institute. According to ForeclosureResponse.org, a website that provides local and national foreclosure data, as well as information on policies aimed at preventing foreclosure and stabilizing neighborhoods, Florida and Las Vegas have seriously high I See Glink /Page E3
Photos courtesy of Oakwood Homes
looking for some more help in your monthly payments, you should check with one of their sales counselors as to how much it could help you in a new home. It works for quick move-in homes as well as customized building, so you can take advantage of it either way. For those that don’t need to be moved in right away, building your own looking to be in for the home from the ground up PAID ADVERTORIAL New Year, Oakwood is the option of choice for Homes has quick move-in most Oakwood homebuyhomes available for every ers. Homes as low as ven though you can type of family, be it a first $999 per month with the see the community starter home or someability to personalize each from I-25 just thing for a larger, growing aspect of your new home south of Hwy 34, Thompfamily. Homes ready immake Thompson River son River Ranch remains mediately start in the low Ranch a popular choice Northern Colorado’s best $200s with payments at with homebuyers. Speak kept secret – being one of $1,400 per month. Why with a new home counthe fastest growing comnot own your home inselor to see how you can munities. Oakwood has stead of renting it when start your home today – homes ready for immediyour payments are comate move-in or start buildparable? Oakwood’s low ing your own customized payments give most peohome today and be in by ple currently renting the June 2011 – just in time choice to break away and for summer. The affordbecome homeowners for able pricing and wellthe same amount they maintained community have been paying each prove to be the best value month to rent. They aim in the area with nearly 80 to be the smart choice for sales this year. Oakwood homebuyers – making evHomes takes pride in its erything simple and easy communities, being a on each family. Colorado hometown Homebuyers received a builder for 20 years, and break in November when the dedication shows. If Oakwood Homes extendyou haven’t seen Thompson River Ranch yet, stop ed their Dream Loan promotion, but that won’t by this week and speak happen this month. Dewith Oakwood’s new home counselors to see if cember 15th is the last day the promotion will be it’s a perfect fit for you. available; so if you were If you’re a homebuyer
Homes ready for move-in before the New Year, or customize your own for June 2011
E
Oakwood wants your home to be exactly how you want it and puts all the choices in your hands. Maybe you’re looking at a two-story home… prefer stone exterior? No problem. Need a 4th bedroom? Switch that bonus room into a bedroom and you got it. Want more space for the kids? Finish the basement and you’re set. Take a look at Oakwood’s floorplan customizer online to see choices available to you in every home. Concerned if homeownership is really for you or if you’d be qualified? Don’t worry; buying a home can be a daunting process for anyone which is why Oakwood Homes has their Home Buyers Club to help. It is a com-
pletely free service with no requirement to purchase; they will help guide you through any issues from bankruptcies or foreclosures, to building or repairing credit, to reducing debt. Oakwood’s sales counselors can help you schedule an appointment with the specialists at Home Buyers Club. Stop by to find out more about Oakwood’s quick move-in homes or how to get started building your own home today. Contact Mike Welty at 970-663-6428 with any questions. You can tour Thompson River Ranch this weekend from 10-6 p.m. Visit www.Oakwood HomesCO.com for additional information.
Inside this week’s Home & Real Estate
Featured Home Plan Snowberry is a Cape Codstyle beach cottage
Page E3
Property of the Week
Front Range Gardening Director y
930 Harrison Ave.
Page E4
Page E5
Carol O’Meara on giving the gift of knowledge to your favorite gardener
Page E6
Saturday Reporter-Herald December 11, 2010 E2
H&RE Real Estate Transactions Rachael Koole from Shannon Mclaughlin, 5712 Mossycup Ct, Loveland, $190,000, home • Blue LLC from Mile High Banks, Loveland 303 S Saint Louis • Kevin & Alice Ave, Loveland, Hill from Jeffrey $148,500, home Berg, 2420 Abeyta • Patricia Leblanc Ct, Loveland, from Matthew $177,000, home Atkins, 834 E 5th • Matthew & St, Loveland, Tiffani Sanford $135,000, home from Allen Gabris, • Jerry & Daniel 306 W 45th St, Werner from Loveland, Deutsche Bank Na$179,000, home tional Trust C, • Jeffrey & Kari 1044 Blue Spruce Berg from Alice Dr, Loveland, Hill, 2210 James $174,900, home Dr, Loveland, • Justin Searey $262,000, home from Fannie Mae, • Food County 3097 Ivy Dr, Lovefrom Lincoln Real land, $232,900, Estate LLC, 2600 N home Lincoln Ave, Love• Rocky Grou land, $900,000, from Fannie Mae, home 2754 N County • Bruce & Road 29, Loveland, Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.
$170,100, home • Stanley Wright from John Nettleship, 2521 Mary Beth Dr, Loveland, $218,500, home • Daniel Ostermiller from Oak Valley Homes LLC, 315 Carina Cir Unit 101, Loveland, $184,700, condo • Lisa & Annie Lin from Aubrey Thompson, 1869 Grays Peak Dr Unit 203, Loveland, $134,000, condo • Richard & Shawn Dowling from Fannie Mae, 4924 W Eisenhower Blvd, Loveland, $126,000, home • Lila May from Federal Home Ln Mortgage Corp, 4267 Peach Tree Ct, Loveland, $158,000, home • Robert & Vir-
ginia Angelovic from Gary Kuhlmann, 1315 Audubon Pl, Loveland, $180,000, home • Travis & Jana Rowland from Loveland Midtown Development I, 1803 E 11th St, Loveland, $207,900, home • William Grubb from Mcwethy Family Trust, 6 Gregg Dr, Loveland, $201,500, home • Amarylis Lugo from David Wenig, 4049 Trinidad Dr, Loveland, $188,000, home
Berthoud • Kenneth & Pamela Enneking from Federal Home Ln Mortgage Corp, 2716 Lake Hollow Rd, Berthoud,
$189,900, home • Virginia Rifkin from Arron Hocking, 3850 Arleigh Dr, Berthoud, $349,000, home • Mark & Debra Heller from Michael Peterson, 87 Sioux Dr, Berthoud, $243,000, home
• Steven & Cynthia Deats from Donna Kelso, 1400 Cedar Ln, Estes Park, $175,000, home • Kingswood Inc from Robert Parrish, 520 Promontory Dr, Estes Park, $125,000, home • Garth & Catherine Lewis Estes Park from Randolf Repo• Daniel & Sharon Shann from la, 1020 Scott Ave, Estes Park, James Blackburn, $383,000, home 1820 Ranch Cir, • Karen & Manuel Estes Park, Fuentes from Stan$315,000, home ley Avenue Condo• Kent Benson miniums Ll, 450 from Joseph GerStanley Ave Unit B, ard, 519 Saint Estes Park, Vrain Ln Unit I, $176,000, condo Estes Park, $162,000, condo • Ronald & Mary Johnstown • Travis Henning Stevens from Rod from Oakwood Morten, 1360 Homes LLC, 3825 Raven Cir Unit E, Arrowwood Ln, Estes Park, Johnstown, $248,000, condo
Regional Snapshot for Loveland/Berthoud Residential Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald.
August
September
October
Active Listings Previous Year Active Listings
1,054 1,074
1,027 1,031
969 963
Sold Listings
102
114
105
$192,000 $222,500
$196,000 $187,500
$211,000 $201,500
Average Days on the Market Previous Year ADOM
113 125
133 126
121 127
DISPLAY ADVERTISING 669-5050
Year to Date Listings Sold Previous Year YTD Listing Sold
941 887
1,055 984
1,160 1,110
CLASSIFIED ADVERTISING 635-3650
Monthly Volume Previous Year Monthly Volume
$25,128,272 $32,956,535
$29,834,886 $22,669,842
$27,400,541 $32,560,029
Median Sales Price Previous Year Median
EDITORIAL INFORMATION 635-3656
$201,900, home • Kara Dietz from Oakwood Homes LLC, 3831 Arrowwood Ln, Johnstown, $194,100, home
Windsor • Adolph & Sharon Duran from Anastasios Better Building Co, 6584 Royal Country Down Dr, Windsor, $286,100, home • Daniel Piszczek from Mountain High Home Builders In, 8473 Cherry Blossom Dr, Windsor, $376,200, home • Andrew & Jill Johnson from Westmark Homes LLC, 6502 Royal Country Down Dr, Windsor, $336,800, home
Mortgage rate update This week Last week Trend
30-year fixed
4.87%
4.71%
15-year fixed
4.24%
4.07%
5/1 ARM
3.53%
3.46%
For home and real estate advice, features and information, visit www.homeandrealtyguide.com
Open Houses This Weekend - www.thegroupinc.com PRICED FROM $160S - $170S
SUNDAY 1:00 - 3:00
SUNDAY 1:00 - 3:00
SUNDAY 12:00 - 2:00
SATURDAY/SUNDAY 12:00 - 3:00
116 50th Avenue Court, Greeley - Cute fully remodeled ranch home. 3bds, 2bths. West facing with low maintenance vinyl siding & dbl pn vinyl windows. Oversized 2 car gar. New appliances included. Vaulted ceilings, new wood floors, new le in baths & laundry, fenced yard, sprinklers, Master with full bth & his & her closets. Must see!
190 Carina Circle #101, Loveland - Loveland-Be er than new townhome in desirable Stone Creek. Former model with stylish colors and finishes. Finished bsmt with media room, bedroom and full bath. All appliances stay. Close to everything with pool, hot tub and clubhouse.
875 Ouray Drive, Loveland - 4+ bd, 2 bath ranch w/ beau ful hard-wood floors in living area, marble le in kitchen, double pane vinyl windows, sky-lights, moon tubes and cathedral ceilings. Hot-tub & shed included. Lots of RV space & heated garage w/ an engine hoist already built in,perfect for the hobbyist. Home is Energy Rated!
10818 Cimarron Street Units, Firestone - MAINTENANCE FREE LUXURY LIVING. Only 4 units le . 2 beds, 2 baths, 2 car garages. 1200-1600 square foot homes. Main level units and 2 story units available. Many luxury features and in a prime loca on. Come visit us. Call John Simmons 481-1250 or Rhonda Heth 556-3516.
$162,500
$175,000
MLS#643151
MLS#636679
MLS#643753
MLS#629251
Call Mike Smith 518-0645
Call Jennifer Carpenter 231-1407
Call Rhonda Heth 566-3516
Call John Simmons 481-1250
PRICED FROM $170S - $190S
NEW HOMES
SATURDAY/SUNDAY 12:00 - 3:00
SATURDAY 1:00 - 3:00
FRI 1:00 - 3:00 SAT 10:00 - 12:00
THURSDAY - SUNDAY 1:00 - 4:00
1849 Chesapeake Circle A,B,C, Johnstown - 3 units completed & 1 under construc on. Maintenance free townhomes w/ open floor plans. Features many upgrades: central A/C, fireplace, le entry, decora ve light fixtures w/fans, walk out basements, breakfast bar & more. Call Tracy Wilson 567-0907 or John Simmons 481-1250.
428 Newman Circle, Longmont - Charming 3 bedrooms ranch features formal living/dining & large family room. Kitchen with newer range/oven, sink, hood & disposal. Covered pa o & screened-in for your enjoyment. Blue Ribbon Home Warranty!
3412 Apple Avenue, Loveland - Doors, windows, roof, furnace, A/C have all been replaced. You will be impressed! Large fenced yard with fantas c covered pa o, pond, garden area, hot tub and 2 sheds for storage PLUS RV parking. Ideal loca on! Close to Benson Sculpture Park and schools.
610 Moonglow Drive, Windsor - NEW HOMES star ng in $190,000s! 3bd/3ba 2670 sq. . Personalize your home from framing to finish, pick your own fixtures and upgrades! DIRECTIONS: Co Rd 392 east of Windsor, (N) on 257, (W) on Saratoga, on Moonglow to Sales Center. Sales trailer on the SW corner of Moonglow and Saratoga.
$179,900 MLS#642473
Call John Simmons 481-1250
$179,500
$154,900
$205,000
$205,000 MLS#639299
Call Kelli Couch 310-8804
SATURDAY 1:00 - 3:00 2914 Sunstone Drive, Fort Collins - Beau fully kept 2 story home with finished basement. Wood floors in kitchen, dining and entry areas, updated kitchen appliances. The basement features include 4th bedroom, 3/4 bath, spacious family room w/automated theatre screen & home theatre system.
$285,000
MLS#643790
$220,000 MLS#643941
MLS#643299
Call Becky Vasos 217-9874
Call Kelli Couch 310-8804
Call Cindy Kurtz 962-6832
GRAND OPENING!
SATURDAY/SUNDAY 12:00 - 5:00
SATURDAY/SUNDAY 12:00 - 5:00
TUESDAY - SUNDAY 1:00 - 4:00
SATURDAY/SUNDAY 11:00 - 2:00
7405 Pimlico Drive, Windsor - Brand new 3 bedroom, 3 bath, 2 car garage, hardwood floors, 8000 square foot open space lot, 2014 finished square feet. $ 287,000. Ask about our great builder incen ves!
7409 Pimlico Drive, Windsor - Grand Opening in Belmont Ridge! Beau ful new decorated model and four single story and two-story plans from 1700 to 2500 finished sq. feet with lots from 8000 to 25,000 sq. feet. Star ng in the mid- 200’s. Ask about our great builder incen ves! Priced from $255k.
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!
1102 Woods Landing Drive, Fort Collins - Sprawling ranch with 5 LARGE beds, 3 baths, on .5 acres. Stamped concrete, water feature, shed, walk ways, sprinklers, drip system, & fenced yard. Gourmet kitchen. Large laundry room, main floor office w/French doors, professionally finished basement. Call John Simmons 481-1250 or Jesse Laner 672-7212.
$305,752 MLS#642275
Call Dianne Breneman 222-8549
$287,000 MLS#640398
Call Kristen Specketer 290-8097
$308,500
Priced From $329,000
$609,000
MLS#640496
MLS#607818
MLS#643343
Call Carole Newberry 443-4047
Call Val Schlageter 217-3464
Call Jesse Laner 672-7212
AN EXC L USIVE SE RVICE OF T HE G R OU P, IN C . R E AL E S TAT E
Northern Colorado Real Estate Source 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 L]LY` V[OLY :H[\YKH`
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50-319849
SATURDAY 1:00 - 3:00 4174 Indepedence Drive, Loveland - Terrific ranch plan offers approx 1890 fin sf plus unfinished bsmt w/9’ ceilings. 2 bdrms plus den, 2 baths, 4 car tandem gar! Open floor plan w/drama c high ceilings. Spacious kitchen w/large island, hardwood flrs, 42 kitchen cabinets, gas fireplace. All appliances included! Front & backyard landscape.
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Saturday Reporter-Herald December 11, 2010 E3
GLINK From Page E1
mortgage delinquency rates already, and they’re rising. Compare those states with North Dakota, which has one of the lowest unemployment rates in the country. Just 1.8 percent of homeowners in the Bismark metro area are delinquent on their mortgages. The biggest question is whether 2011 is the year when the lack of jobs coupled with forced furloughs and declining income will finally overcome whatever savings those families are using to pay their bills. “Serious delinquency rates are also rising rapidly in metro areas within Colorado, Washington and Utah, where delinquency problems have been moderate so far,” Kingsley noted. If you lose your job, you’ll use every available financial resource to avoid paying bills late and then to stay out of foreclosure and bankruptcy. But when those resources run out, many homeowners will run to bankruptcy court. Bankruptcy filings are up 150 percent, as homeowners attempt to stave off foreclosure. The next wave could be the 2 million Americans who are classified as “longterm unemployed,” and whose last unemployment benefits check has just been mailed out. Congress doesn’t look like it’s passing an extension of unemployment benefits before the winter holiday break. For many mortgage lenders, that political logjam could mean a rising tide of foreclosures all the way through the spring home buying season. Question: We've been waiting to refinance because we felt like mortgage interest rates would go lower. But now it looks like interest rates have bottomed out and so we've decided to move ahead. But at the same time, the value of our neighborhood appears to be falling. With local home values having fallen so dramatically, it seems like we're right on the borderline of having 20 percent in equity. In fact, the amount we owe on our mortgage might be more than 80 percent of the home's value. It's borderline. Do we risk paying $400 or so for an appraisal that might show us we can't refinance? Also, everything I read says not to refinance if you're going to move within five years. We might move within five years. In fact, we talk about moving all the time. But one quote I got from a mortgage broker showed us that even with rolling the closing costs into a new 25-year loan, we'd still come out with a lower monthly payment than what we have now. So does that conventional wisdom still apply? Is there something I'm missing or
should we just go ahead and refinance even if we move in a year? Finally, where is the best place to shop for loans? Should we go with a mortgage broker or call around? I'm getting nowhere with our current big box lender. Answer: You've asked some excellent questions that I am sure many of your fellow homeowners are thinking about as well. Let's start at the top. While interest rates appear to have bottomed out, they could stay at these nearhistoric low levels for quite some time. (It's my feeling that when 30-year fixedrate mortgages are available at 4.5 percent or less, it's a sign of how weak our national and world economies are.) But you're facing an even bigger problem, which is falling home values. The latest figures seem to show that home values are again declining after rising slightly this summer. If you're barely at 20 percent equity in your property today, depending on where you live, it's possible that your home equity will shrink further before you can close on your refinance. That brings up another issue: If you don't have at least 20 percent equity in your home, you'll have to pay a higher interest rate for your loan or pay for private mortgage insurance (PMI), which is expensive these days, and that additional cost could easily wipe out any savings you would garner from refinancing. Should you pay $400 for an appraisal? Probably not. You're better off starting the refinance process and having the lender order the appraisal. If you order an appraisal separately, there is no assurance that the lender you choose will arrive at the same appraised value. The lender will not use your appraisal, and you'll be out the money for the appraisal. If your bank sends out an appraiser and the property fails to appraise at a high enough price for you to refinance, you should make sure that you only lose the cost of the appraisal if you decide not to move forward with the refinance. As for refinancing even if you're contemplating a move, I think if you can save money from the get-go and pay off the costs of refinance within a relatively short period of time (say, six to eight months), there's no reason not to refinance. Having said that, if you are paying closing costs and those costs are rolled into the amount you will owe on the mortgage, you may not be getting a great deal even if your monthly payment to the lender goes down. If you sell within one year of refinancing, you'll have to repay all of those closing costs. So, you need to make sure the savings on your monthly payment are sufficiently high to counter any closing costs.
H&RE Featured Home Plan
Plenty of windows in Snowberry beach cottage ASSOCIATED DESIGNS
I
n this Cape Cod-style beach cottage, the main floor is one flight up from ground level. A double garage with plenty of storage space fills the Snowberry's lower level, along with a deep family room. Additional storage space is also located here, and the area is plumbed to simplify the later inclusion of a wet bar and compact bathroom. The vaulted entry porch is a half flight up from the ground. Inside, at the top of another half flight, are three linked interior gathering spaces and one exterior. The vaulted living room is open to the dining room on the right, where glass sparkles across most of the rear wall. The stunning trio of windows in the living room have the characteristic Craftsman gridded uppers. A smaller transom window crowns the threesome at the vault's apex. Wide sliding glass doors in the dining area open onto a partially vaulted deck, which could be screened. An eating counter is all that
(970)
stands between the dining room and kitchen. Its location near the range makes it a breeze to serve up steaming soups and snacks. Counters wrap around sections of all four sides of the kitchen, and the assortment of cabinets on three of the sides include a roomy pantry. Rooms to the left of the Snowberry's stairs are more private, though the den could function as a shared space as well. It could also be a study, library, or home office, if not needed as a third bedroom. The owners' suite is vaulted and boasts a large bathroom with a walk-in closet. A pocket door seals the closet off from a bathroom with a deep soaking tub. Another pocket door slides closed to offer toilet privacy and shower steam containment. For more information, call (800) 6340123, or visit www.AssociatedDesigns.com.
663-2001 Ankmar.com
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Saturday Reporter-Herald December 11, 2010 E4
H&RE
Real Estate Briefs
Infinity Group Realty Expands With ERA Herman Group Infinity Group Realty is pleased to announce its merger with ERA Herman Group Real Estate. Police officer of 13 years Eric Sachs and auto mechanic Nathan Froelich were an unlikely duo to open a real estate company in 2006. Nearly five years later, Infinity Group Realty was the fastest growing locally owned real estate company in Fort Collins, with 35 associates and a loyal, active client base. This month, the company graduates to the next level by partnering with ERA Herman Group Real Estate. The new, Fort Collins-based company is called ERA Herman Group Northern Colorado and serves Larimer, Boulder and Weld counties. “It’s undeniable that the real estate market has changed. Brokerage has to change with it,” said Froelich, Managing Broker and Co-Director of ERA Herman Group Northern Colorado with Sachs. “We felt our agents deserved the systems and tools that we couldn’t provide as a small independent company.” Because ERA is part of Realogy, the largest real estate conglomerate in the world, its brokers are equipped with the best resources available – in-
H&RE Property of the Week 930 Harrison Ave., Loveland
novative technology, full-time support, extensive marketing opportunities, inhouse services and comprehensive training. As a result, its clients benefit from working with the most productive, motivated agents in the business. Froelich is quick to point out that the essence of the company hasn’t changed with the merger. “This is great group of people – knowledgeable, community- and family-oriented, and very invested in the process of teamwork,” he said. “Eric and I were looking for a business model that would amplify the many talents of our agents, and we found it in ERA Herman Group.” ERA Herman Group Northern Colorado is a smarter community of associates that specializes in residential and commercial real estate sales and REO property listings. With local knowledge and a global outlook, the company delivers value in every step of the home buying and selling process. ERA Herman Group Northern Colorado is tomorrow’s real estate company – grounded in collaboration and inspired by innovation. For more information, visit www.hermangroup.net or call 970-224-9336.
Price: $161,000 Built in: 1951 Square feet: 1,035 Bedrooms: 2 Bathrooms: 1
T
his updated bungalow is located in the heart of downtown near Lake Loveland. It features a fully remodeled kitchen, maple cabinetry, hardwood flooring, an open dining and family room, a large master bedroom with double closets, a large patio, RV parking and an oversized detached two-car garage with a new roof. Check it out for yourself Saturday, Dec. 11 from Noon-2 p.m. Contact: Sharianne Daily at 970-215-8844 or sharianne@shariannedaily.com
FEATURED PROPERTIES - UP TO $199,999 OPEN HOUSE SATURDAY 12-2PM
OPEN HOUSE SUNDAY 12 - 2 PM
This Week’s Rates*
OPEN SATURDAY NOON - 2 P.M.
Last Today Week Trend 2967 W 81st Ave L, Westminster
604 S. Gilpin Ave., Loveland
930 Harrison Avenue, Loveland
3 Bedroom 3 Bath, kitchen has granite countertops, tile flooring in kitchen and bathroom, enclosed back porch and extra outside storage. Well-kept home ready to view. MLS#642302 $128,000
Stop by and take a look at this BRAND NEW LISTING! Ranch with 3 bed/1 bath and oversized 2-car garage. Central air, new hardwood floors, roof & ext. paint. Large fenced yard. $157,500 MLS #643336
Updated Bungalow in the Heart of Downtown Loveland, Remodeled kitchen SS appliances, maple cabinetry, hardwood floor, large master w/ double closets, oversize 2-car garage. MLS #638524 $161,000
Marta Loachamin Century 21 Humpal, Inc 720-323.5089 Marta@century21.com
Julie Stinson 970-622-1809 RE/MAX Alliance 970-669-1234 750 W. Eisenhower Blvd. Loveland, CO 80537 JulieS@rmfa.com
Sharianne Daily (970) 215-8844 RE/MAX Alliance 226-3990 sharianne@shariannedaily.com
5.14%
5.14%
15-Year Fixed:
4.38%
4.48%
5/1 ARM:
3.77%
3.88%
no change
* Rates provided by Bankrate.com. All rates are subject to change.
Home & Realty Guide is
$500,000 + OPEN HOUSE SUNDAY 1-4
30-Year Fixed:
LAND FOR SALE produced every Saturday by
OPEN HOUSE SATURDAY 11AM-2PM
OPEN - SATURDAY 11AM-2PM
the Loveland Daily Reporter-Herald.
Visit our website at EDITOR, Jade Cody jcody@reporter-herald.com 635-3656
homeandrealtyguide.com
DISPLAY ADVERTISING 669-5050 3714 Coyote Trail, Berthoud
Warberg Farm at Chapman Reservoir
Spectacular equestrian property, custom 2 story, 4/5 Bdrm home on 3.8 acres w/majestic mountain views. 3 stall, heated tack room, RV prkg w/hookups. MLS# 643768 $725,000
OPEN Saturday 11AM-2PM. 2+ Acre Lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boat docks, fishing and peace garden.
Renee Salza Keller Williams Northern Colorado (970) 231-5082 rsalza@msn.com
Ursula Albers Century 21 Humpal, Inc. 970-231-0548 Ursula.Albers@century21.com
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.allcoloradohomes.com
N W
NEW NORTHERN COLORADO HOMES
E S
25
2
Your online and print resource for residential, commercial and land for sale
CLASSIFIED ADVERTISING 635-3650
3 1
3
E 37th St.
2
$
3,000 Buyer Credit
Open Sun. 1-3
Starting in the Mid 200’s
$
OPEN HOUSE SAT. & SUN. 1PM-4PM
4,
17 0 90
Homes priced from the $140’s - $220’s
New Homes Priced in the Mid 200’s in Desirable Seven Lakes Area 5 Piece Master Baths, Walk-in Closets, Air Conditioning, 3 Car Garages, Unfinished Basement, Lake Rights 4 Ranch Plans and a 2 Story with Main Floor Master to choose from
$
8,
18
2,072 SF 3 Bd, 2 Ba Ranch
2,406 SF 2 Bd, 2 Ba Ranch
Open Floor Plan. 3.25 oak floors in Kitchen, dining and great room. 42 inch Knotty Hickory Cabinets. Full tile back splash. Granite in kitchen, master bathroom, 2nd bath and laundry
970-456-4600
50-321954
E 11TH ST
DENVER AVE
BOISE AVE
HWY 34
1/4 mi. So. of Hwy 34 on Boise Ave. - 1899 East 11th Street
www.newmidtownhomes.com
D.E. BURNS CONSTRUCTION Quality • Integrity • Experience • Reputation
970.669.8386 Megan Wachtman W h
970-217-7977
www.MeganWachtman.8z.com www.COhomefinder.com 50-319900
53-321886
0
90
Models Open Daily 10am-6pm
E 29th St.
1435 Massadona Place, Loveland, 80538 • $339,000 Unique Homes with Quality you Deserve
Seven Lakes Dr. N. Madison Av.
1
US 287
50-321541
4662 Meadowlark Dr-Windsor Move-in Ready Ranch on 3.1 Acres. Meticulous home w/formal LR & DR, Great Room, Amazing Master Suite w/ French Doors & Sitting Area. Lush Landscaping. Unf. Bsmt. 30’x64’ Shop/Barn w/ 1/2 BA & PlayRm.
REPORTER, Rhema Muncy rmuncy@reporter-herald.com 635-3684
Saturday Reporter-Herald December 11, 2010 E5
Great Expectations
Home.” Once price and other deMAKE A PROPERTY WISH LIST GET PRE-APPROVED AND GET tails have been negotiated, ask your HUNTING Decide on features you want, and buyer’s agent to forward a copy to Organize the documentation a then prioritize them, suggests real your loan officer, and lock in your estate broker Gea Elika of Elika As- lender will need to pre-approve a interest rate. loan, including bank statements, sociates, New York, N.Y. For exampay stubs, personal identification ple, how close do you need to be to and tax forms. Get pre-approved for GET INSPECTED public transportation, an expressGet a home inspection even if a loan before you start house huntway, an airport or a playground? you’re buying new construction. ing, and then select a buyer’s agent. laneous purchases for 60 days to es- How many bedrooms do you need? “An agent can pre-screen homes for You will receive a detailed report of tablish a target monthly mortgage you so you don’t waste time looking any code violations and repairs that payment based on your income rel- GET A GOOD FAITH ESTIMATE might need to be made, which will at houses that don’t fit your reative to your expenses. At the same Request up to three Good Faith be your basis for further negotiaquirements,” Khalfani-Cox said. time, look into programs that offer Estimates as a means of choosing tions, Warren said. You then will When house hunting, resist calldown payment assistance to firstyour loan officer. A GFE shows the need to pay for an appraisal report, ing the agent on the for-sale sign. time buyers. loan amount, interest rate, monthly “When you go directly to a listing which your loan officer will order. On top of a down payment, a buy- payment and fees and costs. Warren agent, you’re not fully protected,” At the closing, you will be preoffers the following sample script in said Sang Oh, of the Wall Streeter should have a “home expense sented with a breakdown of your fund” totaling 2 percent of the pro- her book, “Homebuyers Beware” loan costs called a HUD-1 statebased brokerage Platinum Proper(FT Press, 2009): jected purchase price. So if you’re ties. “The listing agent’s position is ment, which Warren describes as “I am in the market to buy a looking at homes in the $200,000 “the final draft of the Good Faith to represent the seller and protect house. I’m looking in the $250,000 their interests by trying to get them Estimate.” You should compare the range, you should have $6,000 DAWN KLINGNSMITH price range and I have 10 percent squirreled away for the ongoing the highest price.” two because GFEs are “notoriously CTW FEATURES costs of home ownership, including to put down. My credit score is 805. Bring along a notepad and digital inaccurate,” Khalfani-Cox said. Will you please e-mail a Good Faith camera when visiting properties, upkeep, emergency repairs and You’re entitled to request a copy of Estimate so I can see what my loan Khalfani-Cox suggests. After lookhousehold purchases, such as a the HUD-1 statement 24 hours prif you do not own a home, you lawn mower and window blinds, said would look like?“ ing at several homes, it’s difficult to or to the closing, and she recommight as well buy one because New rules on HUD-1 forms limit remember which one had the mends you do so because you’ll be you’re already contributing to a personal finance expert Lynnette Khalfani-Cox, Mountainside, N.J., how much a lender can change fig- Viking oven range and which had more likely to overlook errors and mortgage — your landlord’s. author or “Your First Home: The ures given in a Good Faith Estithe koi pond. “junk fees” under pressure. Keep in That’s one case for homeownerSmart Way to Get It and Keep It” mate, so expect lenders to pull your mind, though, that certain discrepYour buyer’s agent will prepare ship Seattle-based broker Carolyn (Advantage World Press, 2008). credit before providing you with a ancies and add-ons, such as thirdand submit an offer when you find Warren makes on her website, GFE. what you hope will be “Home Sweet party fees, are inevitable. mortgage-helper.com. Although it’s easy to understand the benefits of owning a home — especially now that house prices and interest rates are so low — the buying process is daunting. “I think everyone should have to CTW FEATURES take a little class so they know what adjusted for your use. For example, the sell• Be seduced by trims and trappings; they’re getting themselves into,” ers’ heating costs may be low because they you’re not buying the dcor. “Don’t let emosaid mortgage banker Mary Ann stay down south all winter. tions cause you to pay for what you will not Sometimes when sizing up a house, people McGarry, adding that such classes • Compromise, when necessary, on things be getting. Sellers stage because buyers pay are so charmed by features or get so caught are widely available free through more for well-dressed homes,” Saatchi said. that can be switched out, updated or fixed up picturing themselves decorating and envarious organizations. most easily. For example, if both a basement • Quibble over little things like mistertaining that they don’t notice flaws both and a garage are on your wish list, “it’s best matched switch plates — especially if it’s a Here, we offer a sort of CliffsNotes large and small, like a lack of closet space. to go with the basement, knowing a garage ploy to downplay your interest. Some sellers’ study guide in homebuying, from Other times, they focus on things that don’t can be added later,” Saatchi said. agents say they love it when you fuss over desetting a budget to signing on the matter in the grand scheme. To avoid buyer’s tails because it means you are picturing your• “Avoid buying homes in areas that are dotted line. remorse, heed these do’s and don’ts. self there, Khalfani-Cox said. economically depressed, crime-ridden or KNOW YOUR CREDIT HISTORY poorly situated. Think about the prospect of • Allow the home inspector’s report to DO AND SCORE selling the home down the road,” finance ex- shatter your confidence and resolve if no ma• “Visit the house at different times of day. pert Khalfani-Cox said. You might not be jor defects turn up. The document will be Check your credit report, resolve Traffic, noise level and neighbor behavior may bothered living by train tracks or a busy road, long and detailed, including such minor flaws any inaccuracies and bone up on vary,” said real estate broker Diane Saatchi of but a poor location is a turnoff for prospecas a missing cabinet knob. ways to boost your score if necesthe Corcoran Group, East Hampton, N.Y. tive buyers. • Overlook the quality of the school dissary. A FICO score of 620 used to • Take a measuring tape to make sure your trict — even if you don’t have kids. “It’s often be the benchmark for getting a DON’T furniture and other items fit in the new a big selling point for a home,” said broker loan, but lenders now may look for space. Elika, “so it’s a factor to consider, as it may • Be so concerned about resale that you scores in the 740 to 760 range. impact your home’s resale value.” • See to it that utility costs are verified and forget your needs. Track your fixed living expenses, discretionary expenses and miscel-
Buying a home doesn’t have to be hard — here’s a guide to the ins and outs of the process
I
The dos and don’ts of sizing up a prospective home
50-320331
saturday HRS
sunday
PRICE
LOCATION
ADDRESS
OFFICE
PHONE
FROM THE $140’S
NW LOVELAND
43RD & WILSON AVE. THE COTTAGES AT 12-5 ENCHANTMENT RIDGE
THE COTTAGE REALTY 970-532-5900
140’S-220’S SE LOVELAND
BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 10-6 ON N BOISE AVE., 1899 E. 11TH
MIDTOWN HOMES
$169,900*
NW LOVELAND
4403 ELLIOT PL
12-5
THE COTTAGE REALTY 970-532-5900
$170,000
BERTHOUD
10818 CIMARRON ST #204
12-3
THE GROUP INC
970-556-3516
$179,900
JOHNSTOWN/ MILLIKEN
1849 CHESAPEAKE CIRCLE A, B, C
12-3
THE GROUP INC
970-567-0907
$205,000
NW LOVELAND
3412 APPLE AVE
10-12
THE GROUP INC
970-217-9874
$205,000
BERTHOUD
428 NEWMAN CIRCLE
1-3
THE GROUP INC
970-310-8804
$220,000
WINDSOR
610 MOONGLOW DR
1-4
THE GROUP INC
970-310-8804
$232,000
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900
STARTING @ NE LOVELAND $250’S
1563 LA JARA ST/LAKES POINT
1-4
BURNS CONSTRUCTION
$279,900
FORT COLLINS
5457 WISHING WELL DRIVE
1-4
THE COTTAGE REALTY 970-227-3893
$285,000
FORT COLLINS
2914 SUNSTONE DR
1-3
THE GROUP INC
$287,000
WINDSOR
7405 PIMLICO DR
12-5
THE GROUP INC
$298,664
NW LOVELAND
4355 RIDGWAY DR
$305,752
NE LOVELAND
$308,500
PRICE
LOCATION
ADDRESS
HRS
OFFICE
PHONE
FROM THE $140’S
NW LOVELAND
43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIDGE
12-5
THE COTTAGE REALTY 970-532-5900
140’S-220’S SE LOVELAND
BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 10-6 ON N BOISE AVE., 1899 E. 11TH
MIDTOWN HOMES
970-456-4600
$154,900
GREELEY
116 50TH AVENUE CT
1-3
THE GROUP INC
970-518-0645
$157,500
SW LOVELAND
604 S GILPIN AVE
12-2
RE/MAX ALLIANCE
970-622-1809
$161,000
SW LOVELAND
930 HARRISON AVE
12-2
RE/MAX ALLIANCE
970-215-8844
$162,500
SE LOVELAND
190 CARINA CIRCLE #101
1-3
THE GROUP INC
970-231-1407
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY 970-532-5900
$170,000
BERTHOUD
10818 CIMARRON ST #204
12-3
THE GROUP INC
970-556-3516
$175,000
SW LOVELAND
875 OURAY DR
12-2
THE GROUP INC
970-566-3516
$179,900
JOHNSTOWN/ MILLIKEN
1849 CHESAPEAKE CIRCLE A, B, C
12-3
THE GROUP INC
970-567-0907
$220,000
WINDSOR
610 MOONGLOW DR
1-4
THE GROUP INC
970-310-8804
$232,000
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900
STARTING @ NE LOVELAND $250’S
1563 LA JARA ST/LAKES POINT
1-4
BURNS CONSTRUCTION970-669-8386
970-962-6232
$279,900
FORT COLLINS
5457 WISHING WELL DRIVE
1-4
THE COTTAGE REALTY 970-227-3893
970-290-8097
$287,000
WINDSOR
7405 PIMLICO DR
12-5
THE GROUP INC
1-4
THE COTTAGE REALTY 970-532-5900
$298,664
NW LOVELAND
4355 RIDGWAY DR
1-4
THE COTTAGE REALTY 970-532-5900
4174 INDEPENDENCE DR
1-3
THE GROUP INC
970-222-8549
$308,500
WINDSOR
7409 PIMLICO DR
12-5
THE GROUP INC
970-443-4047
WINDSOR
7409 PIMLICO DR
12-5
THE GROUP INC
970-443-4047
$323,400
SW LOVELAND
12-4
GLEN MARKETING TEAM, ERA
970-663-4522
$323,400
SW LOVELAND
¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
12-4
GLEN MARKETING TEAM, ERA
¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
970-663-4522
$329,000
SE LOVELAND
4635 TARRAGON DR
1-4
THE GROUP INC
970-217-3464
$339,000
NW LOVELAND
1435 MASSADONA PLACE
1-3
8Z REAL ESTATE
970-217-7977
$329,000
SE LOVELAND
4635 TARRAGON DR
1-4
THE GROUP INC
970-217-3464
$389,750
SW LOVELAND
975 PRISM CACTUS CIRCLE
12-4
970-663-4522
970-663-4522
GLEN MARKETING TEAM, ERA
$599,000
WINDSOR
4662 MEADOWLARK DR
1-4
KELLER WILLIAMS
970-231-5082
970-672-7212
$609,000
FORT COLLINS
1102 WOODS LANDING DR
11-2
THE GROUP INC
970-672-7212
$389,750
SW LOVELAND
975 PRISM CACTUS CIRCLE
12-4
GLEN MARKETING TEAM, ERA
$609,000
FORT COLLINS
1102 WOODS LANDING DR
11-2
THE GROUP INC
970-456-4600
970-669-8386
To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050
970-290-8097
For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifieds” section of this publication. This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.
WWW.HOMEANDREALTYGUIDE.COM •CLICK ON
OPEN HOUSE MAPS
Saturday Reporter-Herald December 11, 2010 E6
H&RE Front Range Gardening
Expand your favorite gardener’s knowledge CAROL O'MEARA CSU EXTENSION
A
sk a gardener what they’d love for a gift, and they might look uncomfortable before responding vaguely “Oh, I don’t know, anything’s wonderful.” Don’t be frustrated. It’s not that we don’t want to answer you; it’s just hard to explain that the things we cherish are likely to make you avoid us. Even gardener to gardener, we don’t always know how our gifts will go over. One, regaling me with the tale of how she first got her green thumb, hesitated when it came to describing her dirtloving mother’s gift for her first garden. “Guess what mom sent,” she said, a little self consciously. “Manure – she mailed a big box of chicken manure!” Now there’s a memorable gift. Such treasure is what many gardening moms have given, and will continue to give for generations. But the gift of dung isn’t covered by the Dictionary of Etiquette, so if you’re searching for something different to wrap up this year, give the next best thing: knowledge. Sign up your loved one for Your Edible Garden Workshop, a one-day immersion into food gardening offered by Colorado State University Extension offices in Larimer, Boulder, Weld, and Adams counties. This all-day workshop is Saturday, January 22, 9 a.m. to 4 p.m. at the Ranch in Loveland, and costs only $65. The event, held at the Ranch in Love-
land just off I-25, features a variety of seminars to suit everyone, from beginners to seasoned gardeners. Here’s a sampling of what’s in store for your gardener: Successful gardens start from the ground up, and Dr. Jean Reeder will take participants on an exploration how to build great garden soil. “Soil is a living system, providing the fundamental support for all terrestrial life,” said the retired soil scientist, “we need to feed and nurture our soils so they can feed and nurture the plants, animals, and us.” Other basics to help the novice gardener include demystifying irrigation, with Extension Agent Joel Reich, who will help participants save water while getting tender, sweet vegetables. Tips for growing vegetables in Colorado will fill one seminar, but if your gardener wants to delve into specialty topics, they can choose from tomato selection, vegetable disease control, strawberries tips, how to grow raspberries and blackberries, or starting vegetables from seed. If developing skills tops the list for your gardener, enroll them in Fruit Tree Pruning with David Whiting, Professor with Colorado State University. For high yields of quality fruit, fruit trees need care while young, and annual pruning to keep them producing for years. Whiting will review the unique needs of each tree type, including apples, peaches, and other tree fruits. Anyone feeling the pull of the earth while living without a place to garden
will love Alison O’Connor’s workshop on vegetable container gardening. Patios, porches, balconies – any place with sun can be converted into an oasis of edibles. The seminar covers space requirements, plant needs, and recommended varieties. January, said O’Connor, the CSU Horticulture Extension Agent in Larimer County, is the ideal time for this kind of event. With March around the corner, gardeners start planning early. Wrap their registration form with a pair of gardening gloves, trowel, and seed packets to make a gift they’ll remember almost as long as a box of manure. IF YOU GO: What: Your Edible Garden Workshop When: 9 a.m.-4 p.m., Saturday, Jan. 22; registration from 8-8:45 a.m. Where: The Ranch, Larimer County Fairgrounds and Events Complex, 5280 Arena Circle, Loveland. Cost: $65 early bird, $75 after Jan. 14 Contact: For information and registration contact Weld County Extension at 970-304-6535. Carol O’Meara is with Colorado State University Extension in Boulder County. Colorado State University Extension provides unbiased, researchbased information about consumer and family issues, horticulture, natural resources, agriculture and 4-H youth development.
ThinkStock Photo
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
Bring nature indoors for the holidays 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
Duplexes 4060 Houses 4080 Mobile Homes/ Loveland Apartments/ Unfurnished 4030 2 BDRM- 1624 E. 17th, $625. 2 BDRM- 925 Lincoln, Spaces 4090 Patio, shared garage. Call rmpm.com 669-0842
2 BDRM, 1 BA, garden level, lg LR/DR, close to downtown, lndry on site. 1145 E 5th St. 2 BDRM, 1 ba, 703 36th St, $550, wtr/swr/gas pd. N/P Evans, wtr/swr/trsh pd, $250 move-in special! pets neg $650/mo Faith Property 970-377-1626 Faith Property 970-377-1626
Apartments/ Furnished 4010 Kitchenettes. Weekly, monthly rates. Util. pd. Satellite TV, laundry rm. 970-663-0400
Apartments/ Unfurnished 4030 ”0“ UTILS! 1 or 2 room studios, vintage apts. Onsite mgmt. W/D, WiFi, DirTV $335-$630 970-219-6353 1 Bath Studio, $410/mo 20 E. 2nd, full kitchen Call rmpm.com 669-0842 1 BDRM/1 BA ground level end unit w/ coin-op laundry, no pets, 558 10th St Armadillo 970-416-RENT. rentfortcollins.com 1 BDRM, 1 ba, very large, Avail now. Rent $685/mo incl utils. 1 month sec dep req. Avail 2/1. 970-532-2901 1 BDRM- 713 Garfield $425/mo. Main level Call rmpm.com 669-0842 ✭ 1 BDRM apt, $500, Mobile Home $550, rent includes utilities. 430 E Eisenhower. Estate Builder 970-667-3400 2 BDRM, 1.5 ba, remodeled! Hkups, $800/mo, wtr/ sewer pd. 1842 E 17th St, Faith Property 970-377-1626
2 BDRM, 1 BA,top level, corner unit, new carpet. lndry on site. 1155 E 5th St. $575, wtr/swr/gas pd. N/P $250 move-in special! Faith Property 970-377-1626
2 BDRM, $695/mo + elec, free heat & basic cable. New carpet & vinyl, fresh paint, newly remodeled ba. No pets. 970-663-6787 or 970-430-0859 2 BDRM apt in SW Lvld is bright & cozy warm. New carpet, W/D hkkups, off street prkg, low utils. Priv owner/quiet 4-plex. Avail NOW. $625 Wil 970-690-5261 2 BDRM in LOVELAND $715 + deposit. Heat, water, trash paid. 970-214-2057 or 970-266-0206 3 BD or 2 BD- Free rent! Pets nego. Quiet & spac. $625-$795. 970-223-1349
BDRM, 1 BA, hw flrs, $495 211 W. 8th St, Avail now! Faith Property 970-377-1626
Condos/ Townhouses 4050
Duplexes
4060
2 Bdrm- 141 Glenda, $795 NICE! Big Kitchen Call rmpm.com 669-0842
2 Bdrm- 2704 Mallow, $630 Pets nego, 1 car garage Call rmpm.com 669-0842
3 BDRM- 222 SW 42nd, $850 Newer carpet, BIG! Call rmpm.com 669-0842
✭ 2 BEDROOM HOMES ✭ $575 to $650 + dep. West Hwy 34. Pets nego. Se Habla Espanol 3 BDRM, 2.5 BA home, 970-685-8573 2 car gar, off of I25 & Hwy 34. Avail 1/1. $1050/mo + $800 dep, pets nego. 970-587-4319 (Eves) 970-215-1787 (Days)
A picture is worth a thousand words Try a classified picture ad! Call for details
970-635-3650
Office Space 4100
3 BDRM, 2 BA, 2 CAR, So Ft Collins area, 1450 sf, full Downtown corner loc, bldg NEW At Foreclosed Prices Boise Village North unfin bsmt, A/C, gas frpl, w/ 3 ofcs/recept area. 4 car Homes $149k-$219k W/D, no smoke/pets. 6´ prkg. $1000/mo 970-667-5145 3 BDRM, 1 bath 502-504 (970) 456-4600 Jocelyn, Lvld, 2 car gar, f e n c e , 2 l e v e l d e c k , OFFICE SPACES1899 E 11th St, Loveland sprinkler sys. $1250/mo inc fncd, N/P, N/S $775/mo + Utilities included. wtr/swr/trash. 970-214-6451 dep. 1 Avail 12/10 & 970-613-1477 1 Avail 1/1. 970-586-1669 3 BDRM, 2 ba, Tri-level, frpl, gar, 766 21st St SW, 3 BDRM, 2 ba, gar, W/D $1250/mo hkps, $700. No pets/smk. 8 Faith Property 970-377-1626 OPEN SAT ✭ 1-3 Birkley Ct Lvld 970-667-3353 338 E 40th St HANDICAP FRIENDLY, 3 BDRM- 517 E. 50th, $1175 3 BDRM- 3407 Ash, $825 newer 2 bdrm, 2 ba, A/C, Pets nego, firelplace 1 ROOM AVAIL in Jan. 1 car gar, fncd yard. sprklr, $159,900 Lloyd Call rmpm.com 669-0842 Quiet 5 bdrm home. Share Call rmpm.com 669-0842 Realty 970-689-9280 ba, lndry. No smoke. Clean & responsible. Need credit 3 BDRM, w/bsmt, A/C, report. $225. (970)622-0288 AVAIL IMMED! 1200 SF- 3 DW, new carpet in West bdrm, 1.5 ba, fncd bkyd & Lvld. $950/mo. w/12 month ROOM FOR RENT carport. $850 + $850 dep + lease & sec dep. Pets on (970)612-0133 utils. Lvld, (303)772-7390 appr. (970)685-8573
Roommates Wanted 4120
Garages/Storage Spaces 4070
Houses
4080
Commercial Industrial 4040
2 BDRM, 1 BA, bsmt apt, hkups, 1705 1/2 E 8th St, $725/mo Faith Property 2 BDRM 1.5 ba, W/D hkup, 970-377-1626 wtr/ht incl, $600/mo, 1721 E 16th. No dogs. 970-420-2227 2 BDRM, 1 BA corner apt available for MI 12/23! 3 BDRM- 2212 SW 3rd Quiet area overlooking $925- Fin bsmt, 1 car gar park, new carpet! ALL Call rmpm.com 669-0842 UTILITIES INCLUDED! Low Deposit, small pet ok. $665/mo, Call for details 970-669-1375
2 BDRM, 1 BA, spacious living & dining, A/C close to shops! 1707 Cheyenne Ave #7. R/D $550, H20, Sewer & gas pd, Faith Property 970-377-1626
3 BDRM- 1416 W. 25th, $895 Deck, fncd yd, 1 car gar Call rmpm.com 669-0842
LUXURIOUS UPSCALE APARTMENTS 1 CAR GARAGE- $75/mo. STUDIO, 1, 2, & 3 Great for storage. BEDROOMS- Pool, hot tub, rmpm.com. 970-669-0842 24 hr. fitness center, business center, coffee shop, salon, pizza & deli. STORAGE 20 x 40 OPEN HOUSE, Mon-Fri with 14´ overhead door. 9am-6pm, Sat. 10am-5pm. 325 E. 5th St., Loveland. $325/mo. Call (970)481-5899 1-888-822-9346
2 bdrm 1 ba, 311 N. 1st St, 1900 sq ft Warehouse/retail Johnstown H20, sewer, in Loveland. 2105 E 11th St, trash pd, spacious living Unit 140. 970-396-1165. areas, great location! $510/mo Must see! Faith Property 970-377-1626 6000 SF Retail/Warehouse on Hwy 287. Overhead door. 2 BDRM, 1 BA, $650/mo. 970-593-2401 or 970-227-7447. WTR. PD! 2346 S Colorado, Quiet. No smk/pets. 970-218-0510
2 BDRM, 1 BA, lndry on site. Great loc! 1654 16th St $625, wtr/swr/gas pd. N/P Faith Property 970-377-1626
2 BDRM- 2343 SW 10th, $795/mo. Frplc, 1 car gar Call rmpm.com 669-0842
$995. Old Town, GREAT! Call rmpm.com 669-0842
5110
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.
2 BDRM, 1 ba, W/D hkups, avail now. 1570 E. 8th St, Loveland. $600/mo. + $600/ 2 BDRM, 3 bath, 1835 Blue River- lake view, $1295. dep. Tennant pays electric. Call rmpm.com 669-0842 No pets. (303)564-2360 or see Miriam at 1562 E. 8th.
Mobile/ Manufactured Homes/ Spaces 5130
4 BDRM, 4 ba, gorgeous home w/ deck, fncd yd, frpl, 3 car gar W/D. $1250, pets neg. Avail now! Faith Property 970-377-1626
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4 BDRM- 568 Mesa Dr, $1350/mo. Fin bsmt, deck Call rmpm.com 669-0842 $99 MOVE IN SPECIAL 3 bdrm, 1.5 ba, located in Milliken. $995, 970-310-3855 Big Thompson Waltonia Landscaped 2 bdrm/2 ba, W/D, Hottub, N/S, 2-car heated gar. Min 6-mo lease $1500/mo. Dep reguired. Msg #435-619-0971 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
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5087
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Loveland
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5110
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ucking your garden in for the winter doesn’t have to put an end to enjoying the beauty of your landscape. Freshen up this holiday season with touches of nature to enhance your home and spirit. Follow these five easy steps to bring nature inside your home this holiday season:
1. SOOTHE THE SENSES: Make a special potpourri incorporating some garden favorites and traditional ingredients of the season. Look outdoors for items that stand out: pinecones, acorns, seed pods, dried flowers, small leaves, bits of evergreen. You can also look to the kitchen cabinet for familiar scents and flavors of the holiday: cinnamon sticks, whole cloves, whole nutmeg, star anise, orange peel, dried apple slices, cranberries and lemon peel. Once the ingredients have been collected, be sure they are dry. If necessary, bake at 150 degrees for five to six hours to dry thoroughly (especially recommended for items like apple slices, cranberries, orange and lemon peels), or use a food dehydrator. Then, combine ingredients together and add essential oils (available online, in craft stores and organic markets). Place in a glass bowl or a sachet to give a room or drawer a fresh new scent. Package a cup of potpourri in a mesh bag to give as a gift, and tie with a colorful ribbon. You may also use your potpourri in a simmering pot by placing 1 cup potpourri in 1 cup water in a small saucepan on the back burner of your stove. Simmer for 20-30 minutes to fill your home with the festive scents of the holidays.
2. PERK UP THOSE POTTED PLANTS: Give indoor plants a holiday makeover this year. Re-pot plants that are tired or root-bound into festive, colored pots filled with potting mix. Once potted, remember to water and use plant food. Bring the outside in this holiday and incorporate live plants into your tablescape. 3. GIVE THE GIFT THAT KEEPS ON GROWING: Now that you’ve spruced up this holiday season with indoor plants, help others do the same. Plants improve indoor air quality and can also lift spirits. A live plant can bring the warmth of nature to someone’s home for years to come. Festive favorites for this time of year include: poinsettias, amaryllis, Christmas cactus, Norfolk pines and topiaries made of herbs and ivy. Simply place these plants into a colorful pot, basket, or gift bag and tie with a ribbon. If gifting a live plant to someone inexperienced with indoor plants, include simple care instructions on a gift tag along with a container of plant food. 4. DECK THE HALLS: Your garden may be in hibernation for the winter, but it can still bring plenty of holiday joy. Evergreen boughs, magnolia leaves, poppy pods, dried hydrangeas, acorns, pinecones and oak leaves are just a few of the interesting things found in your garden that could be used to make a wreath or centerpiece. Start with a foam frame or base and layer on the different textures while paying attention to the varying colors. Paint some items, such as leaves or pinecones, in gold or silver. Add a garland made of cranberries, popcorn and orange peel for additional color. A live tree is another great way to bring nature inside for the holidays. Potted or balled evergreens are available at most nurseries this time of year in varying sizes and shapes. Ask at the nursery for proper care instructions so that it may be transplanted into the garden to increase greenscapes rather than adding to a landfill. 5. SPICE THINGS UP: Enhance holiday fare and start an herb garden on a warm, sunny window ledge. Grow fresh rosemary and sage to perk up the holiday turkey. Give sprigs of flavorful herbs or bouquet of garnish to the foodies in your life. Use twine to attach snips of rosemary, thyme, sage and bay leaves together for a flavorful combination that is sure to seduce their senses.