Saturday Reporter-Herald December 4, 2010 E1
Real Estate Matters
www.homeandrealtyguide.com • Saturday, December 4, 2010 • Reporter-Herald
Shop around for the best loan ILYCE GLINK AND SAMUEL J. TAMKIN TRIBUNE MEDIA SERVICES
Q
uestion: I have been following your column in my local newspaper and never imagined I would have a question to ask one day. Two months ago, I applied for refinancing with my current lender and was offered 4.875 percent (90 day lock rate) compared to my current 5.75 percent. I was told I could back out anytime and the cost to me would only the appraisal cost of $380 and the cost of the survey. Both of these were charged to my credit card and the appraisal was done and was more than enough to qualify for the loan. For the last four weeks, I have been e-mailing and leaving voicemail asking if we can lower the rates, given that these have come down, and to get updates on the loan processing. The loan officer responded that closings were averaging 75 days and that we were only 50 days into the loan application. He did not respond to my interest rates query. I read the fine print in my loan application, and there is no clause about penalties of cancelling, not pursuing or closing the loan. Yesterday, the loan officer emailed me requesting more information from me that the underwriter had requested to complete the loan application. In the meantime, two weeks ago, I checked with my regular bank and I verbally gave them my credit score and the amount from my recent appraisal. On that basis, my regular bank offered me 4.375 percent for a refinance. What are the strategies and options for me to salvage a better rate given the above? Do I ask my current bank to send me the loan application and evaluate? If my current bank offer of 4.375 percent is credible, can I accept it? My crystal ball seems to say that that interest will remain the same for the next couple of months. Look forward to your advice. Answer: Can we borrow your crystal ball? Seriously, if you want to walk away from your application, the cost will probably be the $380 you’ve already paid for the appraisal and any other costs that have already been paid. You should check the paperwork to
Avalanche of Risks Event at CSU’s Everitt Real Estate Center discusses risks in real estate market courages home buying — something he described as having a very “damaging effect.” Another CAR representative was Rachel Nance, the organization’s Vice President of t the Avalanche of Risks event for Policy. She spoke on the new political layout members CSU’s Everitt Real Estate Center, panels and speakers discussed of the Colorado legislature. She said dealing risks they expected to affect the real estate with the budget will be the number one ismarket and greater economy in the coming sue for the Colorado Congress and that despite the new divisions she does not believe year. this will lead to gridlock. She said a split Robert Golden, CEO of the Colorado Association of Realtors, said Colorado’s econo- Congress will lead to more thoughtful, my has stayed relatively steady compared to strategic and less extreme legislation on both sides. many other parts of the country, and while it has experienced home value declines, it is PANELISTS also recovering faster than other areas. Brent Coan of Otis Coan and Peters, a real Golden said NAR membership is at 22,000, down 6,000 over the last two years, estate, business and estate planning law firm, moderated a panel on local risks, fobut the ratio of active licenses to Realtors cusing on capital, taxation and floodplain ishas spiked. Golden said the number one issue for NAR sues. is opposing caps on itemized deductions on CAPITAL mortgage interest, a potential part of the Mark Driscoll, president of First National administration’s tax reform plan. Bank, based in Fort Collins, spoke on curThe caps on mortgage deductions have rent risks in the financial system and the been seen as a home buying incentive and problems community banks are facing with would lead to a reluctance to purchase, lending and new regulations requiring Golden said, and put a downward pressure on home prices further damaging the econ- banks to have more reserves and capital, causing some banks to shrink or consoliomy. date. There is a concern about who will fiGolden quoted the NAR president, Ron Phipps on the issue: “Any further downward nance local housing if banks are forced to consolidate because of new regulations. pressure on home prices will hamper the economic recovery, raise foreclosure, hurt 100 YEAR FLOOD PLAIN bank’s abilities to lend and likely tip the Steve Hanson, president of Oxbow, Inc economy into another recession. It very well spoke on the 100 Year Flood Plain proposal could close the door on the American in Fort Collins and the move toward indream.” creased regulations at the state and local Golden said the group is urging it’s 1.2 million members to contact their represen- level that could negatively impact residentatives to oppose this portion of the admin- tial and commercial property owners. istration’s tax proposal. Hanson added that the if Fort Collins moves forward with an upgrade in regulaNAR will begin a campaign after the first tions, the state may follow in their footof the year called Homeownership Matters to highlight the importance of homeowner- steps, and lose a competitive edge as many ship. Golden said it is typical in a recession small communities in Colorado are built on rivers and would be impacted by the new or hard economic times that the media highlights the benefits of renting and disregulations.
JENNIFER LEHMAN SPECIAL SECTIONS REPORTER
A
RH Photos/Jennifer Lehman
Colorado Association of Realtors CEO Robert Golden spoke at the CSU Everitt Real Estate Center’s event, Avalanche of Risks.
TAXATION Steve Soukup, President of Soukup, Bush & Associates, spoke on federal and state income tax risks and said that taxes have a significant impact on real estate and real estate development. He said he expected the Bush tax cuts to be gone in the next year or two leading to a 10 percent increase in taxes and a potential increase in dividend rates.
Award Presentation
A
t the Avalanche of Risks event held by CSU’s Everitt Real Estate Center, the organization’s Hall of Fame and Entrepreneur of Year awards were presented. The Hall of Fame award was given to Bill Bartran, a long-time home builder in Fort Collins who passed away in August of this year. His daughter, LeeAnn Mill, accepted the award on his behalf. Eric Holsapple, co-founder of Loveland Commercial, was named Entrepreneur of the Year and said he is proud of being a part of founding the Everitt Real Estate Center at CSU.
Eric Holsapple of Loveland Commercial accepts the Entrepreneur of the Year award.
I See Glink /Page E4
LeeAnn Mill accepts the Hall of Fame award on behalf of her father, Bill Bartran.
Inside this week’s Home & Real Estate
Real Estate Transactions
Rents May Rise
Listings of Northern Colorado homes that have recently sold
Vacancy rates fall across state, spur increase in rent prices
Director y
Page E2
Page E3
Page E5
Front Range Gardening Carol O’Meara unveils new trends in holiday lighting
Page E6
Saturday Reporter-Herald December 4, 2010 E2
H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.
Loveland • Raymond & Joy Schwarz from Kalinoski Dominic, 2408 Nyssa Dr, Loveland, $125,000, home • Antonio Serpa from Lima Guadalupe, 2915 Katie Dr, Loveland, $130,000, home • Rockywoods LLC from Waterford Center LLC, 418 8th St Se Unit A4, Loveland, $182,500, condo • Blake & Leah Davis from Weinland Homes Inc, 1825 Tincup Ct, Loveland, $382,300, home • James & Kathleen Hammond from Diorio Jeanette L, 1462 Cattail Dr, Loveland, $206,000, home • Rachael Thompson from Engel Jesse T, 4805 Hahns Peak Dr Unit 103, Loveland, $123,000, con-
do • Jan Hodginhartlove from Kloos Lee E & Susan D, 2059 Grays Peak Dr Unit 202, Loveland, $146,500, condo • Michael Johnson from Loveland Midtown Development I, 1813 Gemini Ct, Loveland, $176,200, home • Wayne & Christine Achziger from Onewest Bk, 6650 Lakota Ct, Loveland, $328,900, home • Resident from Simchuk Erik J, 4466 Howling Pines Way, Loveland, $715,000, home • Michael & Lynn Greer from Visee Robert T & Kim M, 431 Lavastone Ave, Loveland, $205,000, home • Jacob Thornbrue from Wheeler Kathy J, 2480 Dawn Ct, Loveland, $155,000, home • Suzan & Michael Vandemark from Yelek Mark Anthony, 1251 Charlotte Ct, Loveland, $237,500, home
• Dennis Koschel from Bank New York Mellon, 2408 Bismarck Ave, Loveland, $161,000, home • Donald & Kathleen Mccoy from Road 60 Farm LLC, 23974 County Road 1, Loveland, $325,000, home • Todd Brauch from Ashcraft Joseph W & Rebecca B, 917 Ptarmigan Cir, Loveland, $189,900, home • Reese Saxton from Barberry LLC, 263 Primrose Dr, Loveland, $162,000, home • Resident from Bigby Edwin R Jr, 855 Eagle Ridge Ct, Loveland, $375,000, home • Terry Stange from Comanche Cross Capital Group L, 2318 Hidden Valley Dr, Loveland, $1,080,000, home • Travis & Kristal Crites from Comanche Cross Capital Group L, 2538 Hidden Valley Dr, Loveland,
$1,150,000, home • Kimberly Way from Fannie Mae, 4138 Rockvale Dr, Loveland, $173,000, home • Nasim Kchik from Highland Holdings LLC, 1405 W 57th St, Loveland, $126,500, home • Eric & Vickie Bufkin from Hoffner Benjamin S & Abigail M, 7519 Buffalo Ct, Loveland, $665,000, home • Matthew & Catherine Grassman from Inman Brian R & Dana M, 1726 Silver Leaf Dr, Loveland, $245,000, home • Ray Morton from Pohlit Nicholas, 6014 W US Highway 34, Loveland, $135,000, home • Christopher Henderek from Stenzel Matthew G & Melanie D, 375 Amethyst Ave, Loveland, $159,500, home • Robert Felty from Stroh Mickey L, 1304 35th St Sw, Loveland, $107,500,
home • Lori & Dale Mccallum from Tharp Daniel D & Karen J, 4812 Patmore Ash Dr, Loveland, $310,000, home
home • Miles & Bonnie Mewherter from Colorado Capital Bank, 2180 Uplands Cir, Estes Park, $530,000, home • David Gaines from Jackson Berthoud Stephen S & Adele • Timmy Phillips from Hull Tyson D & M, 524 Promontory Suzanne E, 1737 Ex- Dr, Estes Park, $450,000, home eter St, Berthoud, • Cathleen Larson $385,000, home from Rudds Inc, 344 4th St, Estes Park, Estes Park $122,500, home • Emanuel & Kathryn Rothe from Johnstown Brooks William W, • Shauna Joaquin 155 Evergreen Point from Oakwood Rd, Estes Park, Homes LLC, 3913 $250,000, home Blackwood Ln, John• Thomas & Lois Giordano from Kunis stown, $212,300, home Mary Ellen, 1523 • William & Lori Vista View Ln, Estes Watson from Kace Park, $325,000, Invest LLC, 23 N home • Richard & Lindy Estes Ave, Johnstown, $125,000, Fortenberry from home Paul H Van Horn • Blake Audette Trust, 2751 Carriage from Oakwood Dr, Estes Park, Homes LLC, 3837 $281,000, home • Andrew & Aman- Arrowwood Ln, Johnstown, da Donaldson from $167,900, home Strong Jessica C & • Richard Grimaud Jeremiah A, 260 from Warner Neil T South Ct, Estes & Susan K, 1744 Park, $263,000,
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
(970)
Goldenvue Dr, Johnstown, $237,000, home • Bulmaro Medina from Fed Home Loan Mtg Corp, 1104 N 2nd St, Johnstown, $123,000, home
Windsor • Elizabeth Stafford from Melody Homes Inc, 605 Botley Dr, Windsor, $188,000, home • Lanny Douglas from Nilsen Deanna & Stephen, 1223 Brookwood Ct, Windsor, $240,000, home • Robinson LLC from Platinum Properties Lllp, 1318 Fairfield Ave, Windsor, $162,000, home • Resident from Walberg Glenn W Jr, 556 Lakewood Ct, Windsor, $435,000, home • Michael & Alex Lynch from Strathmore Homes I Inc, 6664 Crooked Stick Dr, Windsor, $442,000, home
Mortgage rate update This week Last week Trend
30-year fixed
4.66%
4.55%
15-year fixed
4.03%
3.92%
5/1 ARM
3.46%
3.43%
For home and real estate advice, features and information, visit www.homeandrealtyguide.com
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Saturday Reporter-Herald December 4, 2010 E3
H&RE Rentals Apartment rents expected to rise; vacancies fall across state JADE CODY SPECIAL SECTIONS EDITOR
all under 10 percent. Fort Collins had the lowest vacancy rate in the state, tightening to 2.8 percent, and Greeley came in at 3.9 percent. “Generally speaking, rental markets are continuing the trend toward tighter markets that we’ve seen in recent quarters,” said Gordon Von Stroh, a professor of business at the University of Denver and the report’s author. “This isn’t the case in every single market, but given how vacancies are declining significantly in Fort Collins, Greeley, Colorado Springs and other areas as well, it’s clear that empty units are now relatively scarce and that increases in rent levels are likely to follow,” he said in the CDH report.
A
ccording to third quarter statistics released by The Colorado Division of Housing, apartment vacancy rates in Loveland increased from 3.8 percent at the end of first quarter to 5.5 percent at the third. Loveland was the only Front Range Metro area in Colorado that had an increase in vacancy. However, as with the rest of the state, Loveland’s average rent price increased. climbing from $835.41 (first quarter) to $968.44 (third quarter). Across Colorado, vacancy rates were almost
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2766 27th Court SW, Loveland - Wonderful ranch style with 3,594 sq (50% finished walk-out bsmt). Office w/hardwood & bay window, formal dining w/hutch space, lots of leaded glass touches, kitchen w/roll-out drawers, main floor laundry, private 5 piece bath in master suite. Come see this beauty!
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Saturday Reporter-Herald December 4, 2010 E4
H&RE
Featured Home Plan
Glink From Page E1
The Hillcrest offers striking exterior features and plenty of room ASSOCIATED DESIGNS
triguing. Most of the walls are an unusual split face concrete block, except for amilies will find plenty of room for every- the cultured stone veneer that covers the chimneys one and everything and the entry porch front in this grand contempogable. rary chateau. With nearly Inside, classic hardwood 4,000 square feet of living space, not counting patios, floors are the norm, with a few practical exceptions. A how could this not be large library/den is to the true? And having all of it right of the high-ceilinged on one level makes the Hillcrest ideal for aging in entry, and a vaulted living room is to the left, where place as well. Exterior textures are in- it is brightened and ex-
F
panded by a rectangular window bay. Near the window, a freestanding woodstove offers warmth when the weather turns chilly. Arched openings at the rear of the living room open onto a transverse hallway. Matching arches on the opposite side feed into an expansive vaulted dining room. Its window bay makes an excellent location for a wide window seat.
A kitchen with a generously sized walk-in pantry is right around the corner. All appliances are built in. A raised and angled eating bar bounds the kitchen and the comfortably large family room. The family room and eating nook are vaulted and richly glassed. Nestled into the back corner is a fireplace with a TV niche above the mantel, but owners might prefer to locate their main TV in the large media room on the right. A third fireplace graces the owners’ suite. The bathroom in this adult retreat boasts a spa tub and an oversized shower, plus a deep walk-in closet. Double doors offer direct access to the Hillcrest’s wide rambling patio. For a review plan, including scaled floor plans, elevations, section and artist’s conception, send $25 to Associated Designs, 1100 Jacobs Dr., Eugene, OR 97402. Please specify the Hillcrest 10-557 and include a return address when ordering. A catalog featuring more than 550 home plans is available for $15. For more information, call (800) 634-0123, or visit www.Associated Designs.com.
make sure there isn’t anything else that you will be charged going forward (remember, they do have your credit card information). If not, feel free to move forward with another lender. You should also call your loan officer and tell him that you’ve been given another quote for 4.3 percent on a 30-year fixed-rate loan and are thinking about walking away from the appraisal fee unless they make you a better offer (or match it). You’ve already done the shopping around. Now you just have to close the deal. It’s definitely worth it for you to walk away from this higher priced loan for one that is a half point cheaper. The question is, could you shop around more and find a 15-year loan for 3.75 percent that would cost about what you’re paying now? If you can afford the monthly payments, that’s really the deal to chase. You’d save tens of thousands of dollars over the life of the loan. Lastly, if the lender you have been working with gives you the green light to move forward, what are you going to do? If you go with the second lender, you may find out that they won’t give you the loan for one reason or another or may find yourself losing the first deal and finding out that the second lender won’t or can’t close on the deal for you. If you can get the first lender to agree to give you a lower rate, you’ll have what you want: a lender ready to close at a lower rate. But if you go with the other lender, you’ll be starting from scratch. You have to decide what you want to do. We frequently get letters from mortgage brokers who tell us that homeowners should stick with their current loan application and see it through. Some loan applications do have a penalty involved, while others do not. If there is no penalty, you have the legal right to continue to shop around. It may not be nice or even the right thing to do; nonetheless, you have that right.
For more information, call Glink’s radio show at 800-972-8255 on Sundays from 9 to 10 a.m., write to Real Estate Matters Syndicate, P.O. Box 366, Glencoe, IL 60022 or visit www.thinkglink.com.
Real Estate Matters
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1/4 mi. So. of Hwy 34 on Boise Ave. - 1899 East 11th Street
www.newmidtownhomes.com
ak & M Fantastic Fan ntassticc views of Longs Pea Peak Mt. t 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
4355 Ridgway Drive, Loveland
970-227-3893 893 49-321369
GEORGETOWN
0 90 2,072 SF 3 Bd, 2 Ba Ranch
OPEN SAT & SUN 1-4 PM STARTING IN THE $200’S
TAFT
4,
17
Homes priced from the $140’s - $220’s
Seven Lakes Dr.
43RD ST.
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
D.E. BURNS CONSTRUCTION Quality • Integrity • Experience • Reputation
970.669.8386
53-321886
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1
N. Madison Av.
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Saturday Reporter-Herald December 4, 2010 E5
H&RE
Real Estate
Step-by-step instructions for first-time homebuyers JEFF SCHNAUFER CTW FEATURES
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ith low interest rates and home prices, the market remains primed for new buyers. But alluring rates and large inventory doesn’t mean the the process of buying a home for the first time has gotten easier. The following steps will help you get an idea of the ride to come — plus a few tips for making the journey go smoothly.
“You want an agent with many years’ experience in the areas you’re searching, but you don’t want an agent who may also be getting a commission from the home seller to get you to buy that home,” said Bruce Hahn, president of the American Homeowners Foundation, Arlington, Va. “What you really want to do is interview the agent,” said Ron Phipps, 2010 president of the National Association of Realtors. “Talk to the person and see if you relate to them. Go online and get evaluations, talk to people who have worked with the agent and look at their professional experience.”
hoods or home styles,” Irwin said. “The bigger an area you cover and more varied the type of home you look for, the more likely you are to find something satisfactory. “ The most important question, Moskoff said, is to ask yourself: Will the house work for us? “It’s not a bad idea to list your or your family’s needs on paper,” Moskoff said.
GET AN INSPECTION Buyers are often expected to pay for a professional inspection of the home, usually between $150 and $300. Some real estate exARRANGE FINANCING perts suggest inspecting the home before If you want to buy a house, you need to FIND THE RIGHT HOME making an offer (to see what you might be know what you can afford — and what the While “location, location, location” is im- getting into), while others suggest inspectbank will loan you. Down payments can portant, many people forget to look at the ing it after the offer (to see what fixes you range from 3.5 percent for an FHA loan to big picture. can get the seller to pay for under pressure 20 percent or higher, if buyers are looking to “Get an aerial view,” Phipps said. “Plug in- of losing the sale). Either way, experts sugavoid potential mortgage insurance. The re- to Google search and see how close the gest hiring your own inspector (not the maining funds to purchase the house must home is to waterways, open spaces ... If you agent’s preferred choice) and accompanying come from a bank, credit union or other find there is a landfill a couple miles away, them during the inspection, asking queslender. A mortgage broker may also help that may be something you want to know. In tions and listing your own concerns. compare lenders. Interest may be paid at ei- some areas you have a freeway behind your “Because of liability concerns, the written ther a fixed year rate — usually 30 years — home that may not be visible.” inspection report is often bland and may where the interest remains the same over Seek out sellers and neighbors to answer leave out many important concerns,” Irwin the life of the loan. Adjustable rates, which questions about schools, property taxes, said. “But, speaking informally with you on may start lower than the fixed rate but may crime, parks and traffic. the inspection tour, the inspector may reveal rise over the fixed rate within a few years, When looking at townhomes and condos, a host of potential problems that never get can create problems for those who do not Phipps suggests asking about condo fees into the written report.” plan for higher rates or loss of income. and the history of special assessments for “This is one of the problems that led to MAKE THE OFFER project such as replacing the roof, where the mortgage crisis,” said Peter Richmond, unit owners share the costs. If the roof apOnce you’ve decided upon a home, you author of “The Complete Idiot’s Guide To pears to need repair, find out what reserves make the offer, which includes putting in Buying A Home” (Alpha, 2010). “I tell peoare in the repair fund. “skin in the game” money, according to ple to sit down and take a realistic look at George R. Moskoff, a licensed contractor Alethea Smock, a broker with ZAPA Realty in your financial situation, including what your in Sebastopol, Calif., warns against the the Denver area. This shows the buyer you payment is on the loan and to look at the “shroud of joy” that accompanies buyers, are serious about purchasing the home. This worst-case scenario: if you lost your job and preventing them from looking at the house sum may be applied toward your down paythe adjustable rate hit the ceiling. If you can critically. ment. The offer also includes other details still afford the payment, fine. “The buyer is thinking ’How can I fit my — dates of inspection, closing and posses“Also, when you are doing your financing, furniture in living room?,’ ’Where will the TV sion, and may include requiring the seller to no matter how much you want the house, go?’ and ’Where can we put our kitchen make certain repairs on the property or askdon’t put yourself in a corner,” Richmond table?’ instead of ’Why does it feel so drafty ing for some other property to be part of the said. “You should own the house, not the in here?’ or ’How come there are brown deal. You may also have to bid against other other way around.” stains on the ceiling over in that corner?’” offers from other buyers. Most offers receive Moskoff said. counter-offers from the seller, resulting in a FIND AN AGENT back and forth until the deal is struck — or Robert Irwin, author of “Tips and Traps lost. Some tips: When Buying A Home” (McGraw Hill, Real estate agents work on commission and are responsible for researching available 2008), suggests buyers expand their hori“Don’t fall in love with one property,” Irzons. homes, finding comps (comparable home win warns. “Be willing to lowball the seller sales in the area) to help you figure out an “The biggest mistake new buyers make is and possibly lose the property, in the hopes offer and presenting your offer to the seller. to limit themselves to one or two neighborof getting a bargain.”
Michael Schatzki, founder of Negotiation Dynamics in Far Hills, N.J., said, “First-time homebuyers tend to be younger and less experienced as negotiators. As a result, they often pay more than they should.” Don’t be afraid to start low, given the oversupply of houses on the market, Schatzki said. If the house is priced at $300,000 and similar home have recently sold for $260,000, in a normal market you could start with a $245,000 offer. But don’t expect the seller to agree right away, Schatzki said. “What you are looking for is a counter-offer,” Schatzki explains. “If you don’t get a counter-offer, you can increase your offer if you want to. If you do get a counter-offer, then the game is on. Concede slowly, be patient and take your time.” Richmond said he likes to have his clients write a cover letter explaining to the seller why the buyer loves this house along with other positive comments that reinforce their interest in the property. “This is especially important if there are multiple offers,” Richmond said. You are essentially trying to make them feel like you are a member of the family.” Negotiating an offer may take weeks or months, but critical comments can sink a sale fast, Phipps warns. “I had a house several years ago,” Phipps recalls. “The woman who owned it painted the house the same color of the 1956 Valiant she had. She loved that car. One of the buyers I had said this was the worst color he had ever seen. Said it in front of the buyer. The buyer said she would not sell to this person. “Don’t give the seller a reason to be offended,” Phipps said.
CLOSE THE DEAL To get to this point, the seller must accept the offer. One of the most important tips is to humanize the deal whenever possible. Sellers take pride in their homes and want to see a buyer who appreciates the home. “The warmer and fuzzier you can make it feel, the more likely you are to make something work out with the seller,” Richmond said.
49-320330
saturday
sunday
PRICE
LOCATION
ADDRESS
HRS
OFFICE
PHONE
PRICE
LOCATION
ADDRESS
HRS
OFFICE
$123,500
FORT COLLINS
4428 FLATTOP COURT
12-2
THE GROUP INC
970-481-1250
43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIDGE
12-5
THE COTTAGE REALTY 970-532-5900
THE COTTAGE REALTY 970-532-5900
FROM THE $140’S
NW LOVELAND
NW LOVELAND
43RD & WILSON AVE. THE COTTAGES AT 12-5 ENCHANTMENT RIDGE
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
$151,000
SE LOVELAND
255 CARINA CIRCLE #104
1-4
THE GROUP INC
970-481-9801
$169,900*
NW LOVELAND
4403 ELLIOT PL
12-5
$170,000
BERTHOUD
10818 CIMARRON ST #204
$179,900
JOHNSTOWN/ MILLIKEN
1849 CHESAPEAKE CIRCLE A, B, C
$190,000
NE LOVELAND
3402 RED MAPLE COURT
1-3
THE GROUP INC
970-388-4261
$190,000
NW LOVELAND
3314 WILLIAMSBURG ST
1-3
THE GROUP INC
970-481-1443
$200,000
NE LOVELAND
558 SUNDISK DR
11-2
THE GROUP INC
970-481-1250
$210,000
NW LOVELAND
2510 FAIRPLAY DRIVE
12-2
RE/MAX ALLIANCE
970-669-1234
$232,000
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900 970-669-8386 970-679-8265
FROM THE $140’S
PHONE
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
$151,000
SE LOVELAND
255 CARINA CIR #104
1-4
THE GROUP INC
970-481-9801
THE COTTAGE REALTY 970-532-5900
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY 970-532-5900
12-3
THE GROUP INC
970-556-3516
$170,000
BERTHOUD
10818 CIMARRON ST #204
12-3
THE GROUP INC
970-566-3516
12-3
THE GROUP INC
970-567-0907
$179,900
JOHNSTOWN/ MILLIKEN
1849 CHESAPEAKE CIRCLE A, B, C
12-3
THE GROUP INC
970-567-0907
$180,000
SW LOVELAND
1049 GRANT AVE
1-3
THE GROUP INC
970-227-0964
$200,000
NE LOVELAND
558 SUNDISK DRIVE
11-2
THE GROUP INC
970-481-1250
$232,000
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900
STARTIN @ $250’S
NE LOVELAND
1563 LA JARA ST/LAKES POINT
1-4
BURNS CONSTRUCTION970-669-8386
$279,900
FORT COLLINS
5457 WISHING WELL DRIVE
1-4
THE COTTAGE REALTY 970-227-3893
$298,664
NW LOVELAND
4355 RIDGWAY DR
1-4
THE COTTAGE REALTY 970-532-5900
$299,900
NW LOVELAND
1529 DRYLAND ST
1-3
THE GROUP INC
970-218-1891
$300,000
NW LOVELAND
2536 GLENDALE DR
1-3
NO CO REAL ESTATE BROKERS
970-213-0077
$308,500
WINDSOR
7409 PIMLICO DR
12-5
THE GROUP INC
970-443-4047
$319,000
SW LOVELAND
4688 TWIN PEAKS CT
1-4
COLDWELL BANKER
970-980-7218
$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
970-663-4522
$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
GLEN MARKETING TEAM, ERA
970-663-4522
STARTIN @ NE LOVELAND $250’S
1563 LA JARA ST/LAKES POINT
1-4
BURNS CONSTRUCTION
$260,000
SW LOVELAND
2766 27TH COURT SW
1:30-3:30
THE GROUP INC
$279,900
FORT COLLINS
5457 WISHING WELL DRIVE
1-4
THE COTTAGE REALTY 970-227-3893
$289,500
NW LOVELAND
2580 LOCKBUIE CIRCLE
1-3
THE GROUP INC
$298,664
NW LOVELAND
4355 RIDGWAY DR
1-4
THE COTTAGE REALTY 970-532-5900
$299,900
NW LOVELAND
1529 DRYLAND ST
1-3
THE GROUP INC
970-218-1891
$308,500
WINDSOR
7409 PIMLICO DR
12-5
THE GROUP INC
970-443-4047
$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
970-663-4522
$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
GLEN MARKETING TEAM, ERA
970-663-4522
$440,000
NW LOVELAND
1600 SUNNYSIDE DRIVE
11-2
THE GROUP INC
970-690-9459
970-227-0964
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 “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 4, 2010 E6
H&RE Front Range Gardening ber, and avoid the newer solar-powered lights. “Solar powered Christmas lights are pretty dim; I don’t see that the technology is up to it yet. But it will be, if given time. LEDs were like this when they first came out; they weren’t as good as they are now. At first, they were just this dull white, but now the technology has caught up and they’re brighter than incandescents.” LED lights take less energy to run — up to 80-percent — and last an average of 50,000 hours, instead of the 25,000hour lifespan of incandescent. And the nuisance of hunting for the one burned out or loose bulb that keeps the whole strand dark is a thing of the past with LEDs, which light up even if one bulb is CAROL O'MEARA shot. Made from epoxy resin, LED bulbs CSU EXTENSION, BOULDER COUNTY are harder to break than the glass incandescents, said Brunette. hen the tip of the week hit my We’re in transition at our place, caught e-mail in-box, I knew the holiwith half of our lights LED and half indays were arriving. Sent by the candescent. The result is a hodgepodge Associated Landscape Contractors of of sparkle; the tree and lawn ornaments Colorado, the subject line “What’s new are blasted out by the blaze of light comin holiday lights?” was enough to kick ing off the house. But each year we constart my lagging spirit, which had been vert a few more strands, and our décor is dampened by the long fall. slowly coming out of the dark ages. The e-tip spoke of trends for 2010, and When getting ready to string up your offered tips for how to make your yard house, keep a few tips from ALCC in light up the neighborhood. mind. Multi-color lights are out; instead, “Two things I’ve seen marketed this single colors of white and one other colyear are the LED and solar powered or are in. “I read that this is because of lights,” said Chad Brunette, President of the recession; we’re not supposed to be Thunderbird Designs in Denver. “LED bright and festive,” said Brunette. “But I lights are growing in popularity; though don’t really buy that — I like multi colthey’re expensive up front, you’ll save ors.” And because I have multi-colored money down the road with them. They lights for my house and don’t want to don’t get hot like incandescent lights, so feel hopelessly unhip, I agree with him. there’s less worry of hazard on trees and But there’s beauty in single color houses.” lights that capture the eye, if you know To get the most from your lights, go how to use them. The secret to getting with LED, said Brunette, an ALCC mem- drama with unvarying color is to mix
Light up the
Holidays Trends include LED and solar powered lights
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Photo courtesy Designs by Sundown
bulb sizes. Tricking the eye into thinking they’re twinkling, the combination of large bulbs (size C-7) with smaller lights jazzes up icicle strands along gutters and branch lights on trees. For the illusion to have its best effect, match the colors. Get your trees into the spirit by wrapping them up in lights. For a pro touch, wrap evergreens in a spiral, and if doing several evergreens, be sure to wrap in the same direction in evenly spaced rows. Treat deciduous trees differently, since their limbs are bare. Run the lights along the branches to highlight their outline, instead of trying to make them a spiral. Think beyond the house by lighting fences, trellises, or pillars, suggests AL-
CC; add a touch of fun by stringing wheelbarrows with lights. Traditional items such as old children’s sleighs or wagons on the front porch sparkle with a bit of light. Then sit back, and enjoy the show. For more tips, check out the ALCC website, at alcc.com.
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
H&RE Home Tips
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 Office Space 4100 Loveland Apartments/ Unfurnished 4030 3 BDRM, 1 bath 502-504 3 BDRM, 2.5 bath in NW Downtown corner loc, bldg
5110
Jocelyn, Lvld, 2 car gar, Loveland, 2 car gar, hottub. w/ 3 ofcs/recept area. 4 car prkg. $1000/mo 970-667-5145 No smoke/pets nego. fncd, N/P, N/S $775/mo + $1200/mo. (970)420-7687 dep. 1 Avail 12/10 & WINTER MOVE-IN OFFICE SPACES1 Avail 1/1. 970-586-1669 SPECIALS Utilities included. 2 Bdrm Apartment Homes 3 BDRM, 2 ba, gar, W/D 3 BDRM, 335 Lark Bunting970-613-1477 ● Includes Washer & Dryer hkps, $700. No pets/smk. 8 $1250/mo. Great Condition! Call rmpm.com 669-0842 ● Park-Like Setting West Eisenhower Office Birkley Ct Lvld 970-667-3353 ● Garages Available 4 room office suite. A picture is worth 1913 W. 15th St. 3 BDRM- 3407 Ash, $875 NICE 3 bdrm w/ bsmt, 13⁄4 Eisenhower Frontage. a thousand words Plently of off-street 1 car gar, fncd yard. 970-669-7850 - Sorry no pets Try a classified picture ba, frplc, 2 car gar, A/C, 6 parking. Elegant historic Call rmpm.com 669-0842 ad! Call for details ft. privacy fence. 1 yr building. $1250/per month lease. Ref´s req. No pets. 970-635-3650 plus utilities for all or AVAIL IMMED! 1200 SF- 3 $1,050/mo + dep. SW Lvld. will subdivide. 970-481-7580 bdrm, 1.5 ba, fncd bkyd & 970-593-0937, 970-290-7740 carport. $850 + $850 dep + 3 BD or 2 BD- Free rent! utils. Lvld, (303)772-7390 3 BDRM, w/bsmt, A/C, Pets nego. Quiet & spac. NEW At Foreclosed Prices DW, new carpet in West $625-$795. 970-223-1349 Boise Village North Lvld. $950/mo. w/12 month Homes $149k-$219k lease & sec dep. Pets on LUXURIOUS UPSCALE (970) 456-4600 appr. (970)685-8573 APARTMENTS 1899 E 11th St, Loveland STUDIO, 1, 2, & 3 1 ROOM AVAIL in Jan. BEDROOMS- Pool, hot tub, Quiet 5 bdrm home. Share 4 BDRM, 4460 Hayler 1 CAR GARAGE- $75/mo. 24 hr. fitness center, $1250/mo, fin bsmt, N/P. ba, lndry. No smoke. Clean Great for storage. business center, coffee & responsible. Need credit Call rmpm.com 669-0842 rmpm.com. 970-669-0842 shop, salon, pizza & deli. report. $225. (970)622-0288 OPEN HOUSE, Mon-Fri 9am-6pm, Sat. 10am-5pm. Share quiet 2 bdrm, 1 ba. STORAGE 20 x 40 $99 MOVE IN SPECIAL 325 E. 5th St., Loveland. with 14´ overhead door. 3 bdrm, 1.5 ba, located in Must see, inc Hi spd int, TV 1-888-822-9346 $325/mo. Call (970)481-5899 Milliken. $995, 970-310-3855 & phn. $375/mo + $100 dep + half utils. 970-203-0263 BDRM, 1 BA, hw flrs, $495 211 W. 8th St, Avail now! BERTHOUD- 4 BDRM, Saturday Noon-2pm Faith Property 970-377-1626 2.5 ba, 2200 SF, gar, fncd, 2510 Fairplay near HS. $1250. 303-775-3331 5 bdrm, 3 ba., newer roof, furnace, A/C & carpet. 3 living areas. Hugh garage. Big Thompson Waltonia $210,000.Kathy 970-290-1798 Landscaped 2 bdrm/2 ba, ReMax Alliance W/D, Hottub, N/S, 2-car heated gar. Min 6-mo lease 1900 sq ft Warehouse/retail $1500/mo. Dep reguired. in Loveland. 2105 E 11th St, Msg #435-619-0971 EQUAL HOUSING Unit 140. 970-396-1165.
Foothills Apts
Apartments/ Furnished 4010 Kitchenettes. Weekly, monthly rates. Util. pd. Satellite TV, laundry rm. 970-663-0400
Apartments/ Unfurnished 4030 1, 2 or 3 rooms Studio Vintage apts. 0 utils! Onsite mgmt. W/D, DirTV $335-$630. 970-219-6353. 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, no smoke/pets, near downtown, $475/mo, utilities paid. (970)663-3910
Houses
2 BDRM, 1 BA, garden level, lg LR/DR, close to downtown, lndry on site. 1145 E 5th St. $550, wtr/swr/gas pd. N/P $200 move-in special! Faith Property 970-377-1626 2 BDRM, 1 BA, lg kitchen, lndry on site, water/ sewer/ trash paid. 1125 Gard Pl #1 $575/mo, Faith Property 970-377-1626 2 BDRM 1 BATH, new windows, D/W, ONLY $575. Call 970-226-5600 FTCRENT.com
4080
Commercial Industrial 4040
OPPORTUNITY
6000 SF Retail/Warehouse 2 BDRM, 1 BA, $650/mo. on Hwy 287. Overhead door. WTR. PD! 2346 S Colorado, 970-593-2401 or 970-227-7447. Quiet. No smk/pets. 970-218-0510 2 BDRM, 1 BA, bsmt apt, hkups, 1705 1/2 E 8th St, $725/mo Faith Property 970-377-1626
Roommates Wanted 4120
Garages/Storage Spaces 4070
Condos/ Townhouses 4050 2 BDRM- 4715 Hahns Peak, $875/mo. Pets nego, frplc Call rmpm.com 669-0842 3 BDRM- 2212 SW 3rd $975- Fin bsmt, 1 car gar Call rmpm.com 669-0842
Duplexes
4060
1 BDRM- E. Eisenhower, $450/mo, new carpet. Call rmpm.com 669-0842 2 BDRM- 1624 E. 17th, $625. Patio, shared garage. Call rmpm.com 669-0842
2 BDRM $540 + elect, owner pays heat. $525 dep. 2 BDRM, 1 ba, W/D hkups, 1414 E 7th St. avail now. 1570 E. 8th St, Call 970-556-1558 Loveland. $600/mo. + $600/ dep. Tennant pays electric. No pets. (303)564-2360 or see Miriam at 1562 E. 8th. 2 BDRM, $695/mo + elec, free heat & basic 2 BDRM- 2343 SW 10th, cable. New carpet & $795/mo. Frplc, 1 car gar vinyl, fresh paint, Call rmpm.com 669-0842 newly remodeled ba. No pets. 970-663-6787 or 970-430-0859 2 BDRM- 410 22nd, $795. ● 1/2 MONTH FREE! Unf bsmt, 1 car, newer crpt 2 BDRM apt in SW Lvld is Call rmpm.com 669-0842 bright & cozy warm. New carpet, W/D hkkups, off street prkg, low utils. Priv 3 BDRM- 1416 W. 25th, $895 o w n e r / q u i e t 4 - p l e x . Deck, fncd yd, 1 car gar Call rmpm.com 669-0842 Avail NOW. $625 Wil 970-690-5261
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- 925 Lincoln, $995. Old Town, GREAT! Call rmpm.com 669-0842 Berthoud 3 bdrm, 2 ba, gar, A/C, fncd yd, N/P N/S $995 Cottage Realty 970-532-2695 3117 BUTTERNUT DR 3 bdrm, 1 ba, single car gar, frpl, no pets. $850/mo. 970-667-8463 or 970-203-5381
Mobile/ Manufactured Commercial 5030 Homes/ Spaces 5130 Horse Property- 3 bdrm, 2 bath farmhouse. $1600/ mo + dep, A/C, w/loafshed additional monthly fee. thecolefarm@yahoo.com (912)222-9234 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 ✭ BUYING/SELLING Beautiful Home in Lvld Sunset Retirement Park, only $14,900. We´re buying too! Big Sale! Many single Exceptional property for & dbl wides. Fin avl, auto living, business or both. approval on owner fi1268 N. Cleveland Ave. nanced homes. 970-222-1473 Call (970)420-3495 ✭ 690-2725 or 690-3283 ✭ LEASE 2400 SF Shop with 300 SF Office, $980/mo Also avail, 3 bdrm house w/ 3 car gar, additional $900/ mo. Call (719)433-5095
Farms, Ranches, Acreages 5050 WOW WHAT VIEWS! 2.8 acres, water tap in & paid. Electric close, septic needed & Ish res irrig wtr. $100K, just SE of Berthoud. Call Mark Sullivan at ERA Tradewind (303)684-6335
Loveland Mobile Homes/ Spaces 4090
3118 N. Lake, avail 12/15. Clean, 1.75 ba, A/C, gas heat, 3 bdrm, fncd yd, good neighbors. Owner pays H2O, $1100/mo, $900 dep ✭ 2 BEDROOM HOMES ✭ (970)222-9093 $575 to $650 + dep. 3 BDRM- 222 SW 42nd, $850 West Hwy 34. Pets nego. Se Habla Espanol Newer carpet, BIG! 970-685-8573 Call rmpm.com 669-0842
5110
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 NEW 4 car ranch, 5 pc bath, 3 bdrm, 2 ba, a/c, frpl, bsmt, stone ext $268,450 Cottage Realty 970-532-5900
14´X70´ in Adult Park ● Very well kept in great condition! 3 bedroom, 2 ba, all appliances. Asking $33,500. 1351 Sylmar Park. (970)667-5868, lv msg.
´03 Mobile Home- 16x80, 3 bdrm, 2 bath, stor shed. $29,999. (303)772-4324
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Don’t pour holiday cooking grease down the drain KATHY VAN MULLEK MCCLATCHY-TRIBUNE
D
on’t let the “grease Grinch” spoil your holiday happiness. That’s the message from environmental and public sewer experts — and plumbers. Instead of dumping turkey drippings and fryer oil down your drain, think of ways to keep fats, oils and grease out of the sewer system, even your septic tank, if you have one. “Fats, oils and grease rinsed down the plumbing system can congeal and block pipes, causing sewer backups, not only in your home, but into the streets, ditches and gutters that flow into area waterways,” said Julia Hillegass with Hampton Roads Planning District Commission in southeastern Virginia. “Pouring that same grease down a storm drain essentially pours it directly into a stream, river, lake, bay or ocean.” Here’s what the commission’s turkey-frying tips sheet says about a plumber-free holiday: WHAT CAN I DO WITH THAT OILY MESS? Disposing of gallons of fryer oil is a little overwhelming. Pouring it down the kitchen sink or the storm drain is likely to get you a clogged pipe. Instead, use a container with a tight-fitting lid and choose one of these options: • Store the oil in the original container for reuse. Strain out any particles and freeze. Oil keeps up to six months and can be reused for up to six hours of fry time. • Freeze it and then throw the hardened oil away on trash day. • Mix it with unscented kitty litter, sawdust or sand to solidify the oil. Dispose of it in the trash. Scented or disinfectant types of kitty litter can react with the oil and cause a fire. • Recycle the oil at your community’s recycling center WHAT HAPPENS TO THE OIL AFTER I RECYCLE IT? A recycler or grease-renderer turns the oil into raw materials which are then used to make fuel, pet food, poultry seed, soap, cosmetics, perfumes, antifreeze, glues, cement, and inks. MORE DRAIN-SAVING TIPS Grease often causes a majority of sewer blockages wherever you live. Typically, homeowners are responsible for maintaining the portion of the sanitary sewer pipe that runs from their homes to the main sewer lines. Since the homeowner lines are smaller, they clog more easily, so keep grease and food scraps out of your sink and toilet drains. Scrape food scraps, oil and grease from kitchen utensils and equipment into the trash before washing to help keep grease out of wash water. Use a paper towel to wipe up small amounts of cooking oil, such as meat drippings. Throw the paper towels in the trash. Never pour oil and grease down the drain, and avoid using hot water to wash the grease away.