Saturday Reporter-Herald January 1, 2011 E1
Real Estate Matters
www.homeandrealtyguide.com • Saturday, January 1, 2011 • Reporter-Herald
Protect credit if tied to a loan ILYCE GLLINK TRIBUNE MEDIA SERVICES
Q
uestion: I cosigned my husband’s student loan. We also have a mortgage on a property we purchased. If we separate, how can I get myself out of these loans, and will it be a problem? Answer: You can’t simply take yourself off your husband’s student loans. He used your signature, which means you are now entirely on the hook to repay these loans if he doesn’t. If a loan payment is missed on the student loans, your credit history and score will suffer. If you separate, you need to find a way to have him pay off the loans as a condition of the divorce (perhaps he can refinance the loans with family money or find cash elsewhere). Otherwise, until the loans are paid off, you will always have to worry about your credit history and score, and whether you’ll qualify for additional financing. This problem crops up often when it comes to parents helping children purchase property or unmarried partners who decide to purchase property or autos, or get credit cards. Parents cosign loans for their children, only to find their own credit has been tarnished when the child goes AWOL and stops paying on the loan. Unmarried partners who co-sign loans for each other find they’re in a barrel of trouble if they break up. Protecting your credit is key. You’ll need to devote some time to negotiating how these loans will be settled with your spouse should you separate. You should take some time to talk to a credit counselor or a divorce attorney about this issue. Question: Is it true that Freddie Mac does not allow property type changes for refinances under the Making Home Affordable program? Our property type is a condo townhouse. In our original mortgage note with Bank of America (our original lender and loan processor) we signed a Planned Unit Development rider. Bank of America then sold our loan to Freddie Mac under the property type single family home (Bank of America remains the servicer). We qualify for refinancing under the Making home affordable program, but Bank of America has refused to go through with the closing for the refinance on the basis that our property type is now being considered as a condo. Since Freddie Mac has it under a I See Glink/Page E3
No. 3 builder in Larimer County releases new home series RH PAID ADVERTORIAL
M
idtown Homes at Boise Village North in Loveland sold over 37 homes in 2010 making the subdivision number three in sales in Larimer County. At Boise Village North homes range in price from $159,900 to $219,900. Homes are as large as 3,000 total square feet with finished square footage ranging from 893 to 1,912. Midtown Homes is releasing the new Rocky Mountain Series with its grand opening January 2, 2011. The Rocky Mountain Series features larger homes and lots with front load garages, up to four or five bedrooms and three car garage options. As part of this new release the builder is offering a $3,000 credit on all homes and an $8,000 credit on the two remaining Home Town Series models in Phase 1. All homes have many extra amenities standard including alder or maple cabinets, energy star appliances, built-in microwaves, vaulted ceilings, wider garages, walk-in closets, covered porches, patios or decks, full or partial basements with at least two egress windows, a rough-in for an extra bathroom and low-e windows. Many homes also have four and five piece master bathrooms, kitchen pantries, kitchen islands, and built-in desks nooks. Midtown Homes at Boise Village North Midtown Homes at Boise Village North is offering a $3,000 Buyer Credit on the new Rocky Mountain Series.
THE EVERGREEN Buyers interested in the new ranch style home with the elusive three care garage under $200,000 should consider The Evergreen. This home is a 2,200 square foot three bedroom, two bathroom model with a three car tandem garage priced from $189,900. The Evergreen features 1,109 finished square feet, vaulted ceilings in living room, dining room, and kitchen, main floor laundry, multiple walk-in closets, a large covered porch, and full unfinished basement.
Photos courtesy Midtown Homes
The Silverton is a new 2,560 square foot three bedroom, two full bathroom ranch plan with a three car garage option priced from $199,900. lot of square footage should see The Ponderosa. This home is a 2,400 square foot three bedroom and two bathroom home priced from $194,900. The Ponderosa features 1,200 finished square feet, a full unfinished basement, covered entry, a kitchen pantry, main floor laundry, and master bedroom walkin closet.
bathroom home or a three bedroom and two and a half bathroom home with family room. The Keystone features 1,634 finished square feet, a partial unfinished basement, kitchen pantry, master bedroom walk-in closet, patio, and covered entry.
THE STEAMBOAT
Our largest multi-level home can accommodate the largest of famiThe Silverton is Midtown Homes lies. The Steamboat totals 2,750 square feet and comes in several largest ranch style home and has an upgradable option to a three car floor plans. The first is priced from garage. This ranch home comes in $219,900, has a total of 1,913 finished square feet with either four a 2,560 square foot floor plan priced from $199,900, and a 3,000 bedrooms and three bathrooms or three bedrooms two and a half square foot floor plan, both of bathrooms with a family room. The which are three bedroom and two largest floor plan is priced from bathroom homes. The Silverton $236,900, has a total of 2,200 finfeatures 1,280 and 1,500 finished ished square feet with five bedsquare feet, a bay window in kitchen, kitchen pantry, main floor rooms and three and a half bathrooms. The Steamboat features laundry, five piece master bathroom, walk-in closets, vaulted ceil- large deck, vaulted ceilings, kitchen island, main floor laundry, ings, patio, a full unfinished basefour piece master bathroom with ment and an optional three car walk-in closet, and partial unfingarage. ished basement.
THE SILVERTON
THE KEYSTONE
People looking for a lot of space or looking for a home for a large family find The Keystone a good option. The Keystone has a double deep garage to park three cars. This multi-level home, priced from THE PONDEROSA $209,900, has a total of 2,211 People looking for a ranch style square feet and is being built as eihome with an open floor plan and a ther a four bedroom and three
PHASE 1 CLOSEOUT SPECIAL Midtown Homes has two remaining homes with an $8,000 buyer credit in the Home Town Series which include The Monarch and The Granby:
THE MONARCH If you are looking for great value at an affordable price The Monarch is an excellent option. This ranch home, priced from $149,900 to $159,900, is a 1,786 square foot two bedroom and one bathroom home. The Monarch features 893 finished square feet, a full unfinished basement, main floor laundry, cover porch, and master bedroom walk-in closet.
THE GRANBY
The Ponderosa is a 2,400 square foot three bedroom, two bathroom ranch priced from $194,900.
One of Midtown Homes best selling floor plans, The Granby is offers a ranch floor plan at an unbeatable price. This ranch home, priced from $174,900 to $178,900, is a 2,072 square foot three bedroom and two bathroom home. The Granby features 1,036 finished square feet, a full unfinished basement, an oversized two car garage,
covered porch and patio and master bedroom walk-in closet.
THE TELLURIDE People looking for lots of finished square footage without the extra price choose The Telluride. This multi-level home, priced from $179,900 to 189,200, is a 1,650 square foot three bedroom and two bathroom home with a bonus fourth room for a study or fourth bedroom. The Telluride features 1,375 finished square feet, a partial unfinished basement, deck off the back, kitchen island and master bedroom walk-in closet.
THE CRESTED BUTTE For people that love to cook and entertain The Crested Butte has an extended kitchen and living room area. This ranch, priced at $184,900, is a 2,270 square foot two bedroom and two bathroom home. The Crested Butte features 1,135 finished square feet, a full unfinished basement, a large kitchen and living room/entertainment area, large kitchen pantry, main floor laundry, four piece master bathroom, master bedroom walk-in closet, desk nook and a covered front porch.
THE NORTH PARK The North Park has a lot of finished square footage and home features for its price including an extra large covered front porch, an extra fourth room for a study or bedroom, a built-in fireplace, and a five piece master bath. This twostory, priced from $199,900$202,400, is a 2,301 square foot three bedroom and two-and-a-half bathroom home. The North Park features 1,623 finished square feet and additional features including a master bedroom walk-in closet and covered patio.
VISIT MIDTOWN HOMES 1899 East 11th Street, Loveland. Sales office is open daily, 10 a.m.-6 p.m., and will be closed January 1st. For more information: 970-456-4600 info@newmidtownhomes.com www.newmidtownhomes.com
Inside Insidethis thisweek’s week’sHome Home& &Real RealEstate Estate
Real Estate Transactions
Featured Home Plan
Listings from Front Range properties recently sold
Ambridge of fers simplicity
Director y
Recycle Christmas Trees
Page E2
Page E4
Page E5
Page E6
Saturday Reporter-Herald January 1, 2011 E2
H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 970667-1537.
Loveland • Fred & Teresa Sauer from Aspen Homes Colorado Inc, 4566 Cushing Dr, Loveland, $253,400, home • Joel Scherer from BCAP LLC Trust 2007 Aa2, 1710 S Douglas Ave, Loveland, $143,900, home • Paul Hilton from Beneficial Financial I Inc, 1942 Buena Vista Pl, Loveland, $142,900, home • John Wilbanks from Toby Childers, 3210 Birch Dr, Loveland, $135,000, home • Covenant LLC from Fannie Mae, 5075 Apricot Dr, Loveland, $194,300, home • Beverly & Clarence Scag from Fannie Mae, 257 Alden Dr, Loveland, $163,800, home • Windmill LLC from Monty Forehand, 4832 Lucille Ct, Loveland, $100,000, home • Kenneth & Kim Davis from Nancy Lindquist, 3285 Current Creek Ct, Loveland, $333,000, home • Linda & Gregory Kading from Lois Moersen Trust, 1507 Park Dr, Loveland, $430,000, home • Douglas Darling from Nancy Margheim, 2583 W 8th St, Loveland, $310,000, home
• Daniel & Lorinda Deleau from Douglas Moore, 2361 W Linda Dr, Loveland, $189,000, home • Hunter Corp from MSP Corp, 5140 Fallgold Dr, Loveland, $137,500, home • Timothy & Cynthia Feldmill from Richard Rakowsky, 2917 New Castle Dr, Loveland, $173,000, home • Robert Holler from Eugene Strom, 963 Scotch Elm Dr, Loveland, $169,000, home • Resident from Joyce Tarvin, 3911 Rainbow Ln, Loveland, $680,000, home • Resident from Timber Wind Land LLC, 214 N Cove Dr, Loveland, $152,300, home • Alice Eleam from Berta Wagar, 1020 W 31st St, Loveland, $204,900, home • William & Susan Mcdonald from Aaron Whyrick, 2464 Steamboat Springs St, Loveland, $235,000, home • Kelly Russell from Philip Omi Revocable Tr, 1928 Seven Lakes Dr, Loveland, $368,000, home • Sebastian Birch from Hsbc Bank USA, 1334 Warbler St, Loveland, $156,000, home • Mark & Barbara Sandvick from Juanita Adcock, 1935 Blanca Ct, Loveland, $299,000, home
• Charles Zitting from Mitchell Crockett, 301 E 48th St, Loveland, $177,000, home • Resident from Jo Ann Grosboll, 1428 S California Ave, Loveland, $1,550,000, home • Terence Schuyler from Katherine Hofmann, 8857 Otter Ct, Loveland, $403,000, home • Jacob Skendzel from Michael Leischer, 968 Eagle Dr, Loveland, $170,000, home • Eric & Karen Martin from Carl Leonard, 2343 Nyssa Dr, Loveland, $240,000, home • Brian & Claudia Burgstahler from Mark Pastor, 2709 Dafina Dr, Loveland, $174,000, home • Thomas & Deanna Wilhelm from Carrie Philbrick, 1531 Arikaree Dr, Loveland, $177,000, home • Stanley & Pamela Becker from Mark Sandvick, 3281 Mcintosh Ct, Loveland, $176,000, home • John & Olga Wallace from Gary Ungerman, 27657 Blackfoot Rd, Loveland, $360,000, home • Thomas & Judith Magara from Deutsche Bank Trust Co America, 3786 Minturn Dr, Loveland, $198,900, home • Delores & Delores Mahler from Melissa Holmlund, 5727
Gitalong Rd, Loveland, $175,000, home • Sanyatha Bayna from Hsbc Mortgage Services Inc, 2437 Calcite St, Loveland, $119,000, home • Christopher & Shan Anderson from Jamie Judson, 5995 Clearwater Dr, Loveland, $575,000, home • Lixin Lu from Julie Kershner, 4825 Hahns Peak Dr Unit 103, Loveland, $120,000, condo • James & Pamela Berthold from Christine Kovacs, 2070 Manitou Ct Unit 102, Loveland, $168,200, condo • Paul Giambra from Loveland Midtown Development I, 988 Boise Ave, Loveland, $174,900, home • Janice Whelan from Loveland Midtown Development I, 1837 Gemini Ct, Loveland, $172,200, home • Lawrence Loredo from Loveland Midtown Development I, 1807 Gemini Ct, Loveland, $177,900, home • Carl & Connie Leonard from Loveland Midtown Development I, 1825 Gemini Ct, Loveland, $175,200, home • Rebecca Heller from Public Service Credit Union, 2703 Blackhawk Pl, Loveland, $180,000, home
Berthoud • Rebecca
sor, $178,000, home • Gary & Sharon Kegerreis from Stan Javernick, 1534 Wedgewood Ct, Windsor, $245,000, home • Michael & Jamie Zink from Trisha Moran, 1530 Barnwood Ct, Windsor, $275,000, home • Trisha Moran from Michael Zink, 401 Tuckaway Ct, Windsor, $190,000, home • Bryant Bunch from Fannie Mae, 1525 Lakewood Dr, Windsor, $210,000, home • Randy & Joyce Kopecky from Fannie Mae, 580 15th St, Windsor, $275,900, home • Randal Phipps from Matthew Jorgenson, 1469 Silverwood Ct, Windsor, $240,000, home • Eric Kiesling from Precision Home Bldgs LLC, 632 Wind River Ct, Windsor, $235,000, home • Michael & Windsor Michel Kerr Johnstown • Gordon & from Tyler Smith, Nancy Margheim • Jeffrey & 121 Rock Bridge Angela Soderborg from Bank Choice, Dr, Windsor, from FBR Securiti- 4606 Pompano Dr, $292,000, home zation Trust, 3615 Windsor, • Thomas & Erin $265,000, home Dilley Cir, JohnWick from Michael stown, $204,800, • Edward Whited, 899 home Rutherford from Panorama Pl, Hartford Homes • Dea Schantz Inc, 7288 Crystal Windsor, from David $375,000, home Downs Dr, WindOstermiller, 5 S • Richard Hill sor, $400,000, Denver Ave, from Custom home Johnstown, Onsite Inc, 6541 $147,000, home • Jason Dollerschell from Casey Spanish Bay Dr, • Vina Tram Windsor, Mcdaniel, 110 from Spencer $362,300, home Rock Bridge Ct, Invest LLC, 462 Frontier Ln, John- Windsor, • Resident stown, $185,000, $270,000, home from Donald home • Debra Single- Robben, 6844 Spanish Bay Dr, ton from Carol • Liang Huang Windsor, from Urban Solu- Crandall, 140 Bayside Cir, Wind- $456,000, home tions LLC, 450
Wegener from Naomi Chagnon, 517 Redwood Cir, Berthoud, $180,000, home • James Stroud from Jane Eaman, 412 Iowa Ave, Berthoud, $209,900, home
Frontier Ln, Johnstown, $183,700, home • Chad & Danielle Daniel from Fannie Mae, 213 Kits Pl, Johnstown, $222,800, home • Joshua Reeser from Oakwood Estes Park Homes LLC, 3558 Pinewood • Frederick Ct, Johnstown, Matti from Allen Crownover, 2729 $278,900, home Cedarcliff Dr, • Dwight & Estes Park, Karen Johnson $2,500,000, home from Oakwood • Joyce Cranfill Homes LLC, 5325 Cherrywood from KLEP LLC, Ln, Johnstown, 446 Columbine $267,300, home Ave, Estes Park, $210,000, • Darrell & Mary home Humphrey from Oakwood Homes • Leonard LLC, 3900 KenTulin from Crescence Tulin, 1120 wood Cir, Johnstown, $207,100, Fairway Club Ln, home Estes Park, $180,200, home • Larry & Sherie Milliken Strong from Don• Nathon na Jean Houser Putallaz from Revocable Tr, Gregory Hagan, 2222 State High- 1298 S Dusk Dr, way 66 Unit 6, Milliken, Estes Park, $115,000, home $350,000, condo • Diana Lancast• William Finch er from Deutsche from Scott Glick, Bk Natl Trust Co, 1215 Middle 41 E Ilex Ct, MilBroadview Rd, liken, $123,000, Estes Park, home $342,500, home
Regional Snapshot for Loveland/Berthoud Residential September
October
November
Active Listings Previous Year Active Listings
1,027 1,031
969 963
903 882
Sold Listings
114
105
90
Median Sales Price Previous Year Median
EDITORIAL INFORMATION 635-3656
$196,000 $187,500
$211,000 $201,500
133 126
121 127
131 127
DISPLAY ADVERTISING 669-5050
Year to Date Listings Sold Previous Year YTD Listing Sold
1,055 984
1,160 1,110
1,250 1,205
CLASSIFIED ADVERTISING 635-3650
Monthly Volume Previous Year Monthly Volume
$29,834,886 $22,669,842
$27,400,541 $32,560,029
$24,289,790 $22,476,776
Average Days on the Market Previous Year ADOM
$206,819 $194,900
Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald.
Mortgage rate update This week Last week Trend
30-year fixed
5.01%
4.96%
15-year fixed
4.37%
4.29%
5/1 ARM
3.95%
3.80%
For home and real estate advice, features and information, visit www.homeandrealtyguide.com
Open Houses This Weekend - www.thegroupinc.com A N E XC L U S I V E SERV ICE OF T HE G R OUP, INC. R EAL ESTAT E
Northern Colorado Real Estate Source SUNDAY 12:00 - 5:00
SUNDAY 12:00 - 5:00
7407 Pimlico Drive, Windsor $ * 7403 Pimlico Drive, Windsor - Grand Opening in Belmont ! " 1 $ 4 ) $ "
5* 6 ) ( " , 7 !" # $ !" " % & " Windsor. A must see! Ask about our great builder ' ( ) ) * *
$344,000
$255,000
Call Kristen Specketer 290-8097
Call Carole Newberry 443-4047
+,%/01
+,%/01 2#3 53-322763
The Real Estate Source is a magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado. Online version of publication at www.thegroupinc.com containing links to detail pages for most listings.
rado rn Colo Northe Source
tate Real Es w w w.
thegr
oupin
c.com
Saturday Reporter-Herald January 1, 2011 E3
New Year’s Resolutions for Homesellers in order to get the most for your property.
ILYCE GLINK TRIBUNE MEDIA SERVICES
I
ThinkStock photo
Rein in the Clutter Increase the chances of selling with organization JILL SCHUETT APPLAUSE HOME STAGING
E
veryone can benefit from a little organization, whether a home is being put on the market or a homeowner desires to sweep away the stress along with the clutter to manage day-to-day living. Why clutter becomes a problem when selling a home, however, is because clutter is a major first impression turnoff. Upon entering a home for showings and open houses, buyers typically make their decisions within seconds. If they are distracted by a homeowner’s personal clutter, then they can’t imagine themselves living in that home and they won’t spend much time looking further. In addition, clutter impinges on space so that buyers cannot see the full potential of a home. First impressions also start with the internet. In fact, the National Association of Realtors states that 84 percent of buyers purchasing a home start with internet searches. That’s why photos on the MLS of staged, well organized, de-cluttered homes are more likely to produce favorable results, faster. Here are some ideas to help rein in clutter and draw potential buyers in to savor the space and everything a house on the market has to offer.
PACK IT UP The first rule of thumb is to go through the house (including closets) and throw away, give away or even sell everything no longer needed. Next, pack away/store items not needed for day-to-day living. Look into renting a storage unit or finding a corner of the garage or basement for packed boxes. By doing this, homeowners will not only being freeing up valuable space, but will be minimizing last minute moving stress later. ORGANIZE IT Having a house on the market means keep-
ing things tidy at all times in anticipation of showings, while trying to function day to day using household essentials. One way to manage this is by investing in several square wicker or decorative baskets placed on shelving in laundry rooms, entryway closets, children's’ rooms and under-sink cupboards in bathrooms. These keep essentials neatly hidden yet still within reach. For family rooms, consider having a nice wicker trunk as a coffee table. Place favorite DVDs, toys and games inside.
TACKLING THE KITCHEN “COMMAND CENTER” All personal items like mail and bills should be hidden away. Either file them or put them in a folder in a drawer. Remove all photos and papers from the refrigerator surface. Centralize family schedules onto a reasonably sized calendar and place on the side of refrigerator. That way, it is still accessible to the family who relies on it, yet not out in the open for buyer’s eyes to see. MAKING THE MOST OUT OF BONUS ROOMS Bonus rooms are notorious for being “clutter catch-alls.” In addition to those miscellaneous household items making their way into these rooms, bonus rooms can also become too many things. For example, an extra bedroom often becomes an office, exercise room and TV room all in one — adding to the cluttered, chaotic look. When selling, the first priority is to define the space to help buyers visualize how they could use the room. Choose one function for the room and stage it as such. Next, clear everything out that does not pertain to the new theme of that room. Then pack away and store all miscellaneous items. What is revealed is a clean, organized, functional area that creates added value in the buyers mind. Start the New Year off right by getting on the road to less clutter and more offers. Jill is a Home Staging Expert (HSE) certified stager and redesign specialist serving the Northern Colorado area. For questions or more information, e-mail Jill Schuett of Applause Home Staging, LLC jill.applause@comcast.net, or go to www.applausehomestaging.com
GLINK
correct the error. If they won’t, you should file a complaint with the OCC, which regulates BOA. Go to www.helpwithmybank.gov and look under the heading “Need more help?“ Many lenders have made document errors when processing loans over the past three to five years. If your home was always a condo townhouse and never a single-family house, and this error wasn’t caught at closing, and wasn’t caught when the loan was sold, it should be dealt with now. That said, you might have to sue the bank if filing a complaint with the OCC doesn’t produce any results. While that may not seem appealing, your only other option is to refinance your loan without using the government program.
From Page E1
single family house, the loan officer at Bank of America claims that Freddie Mac will not allow a property type change, and therefore they cannot proceed with refinancing our loan under this program. Neither the physical property itself nor its legal description have ever changed (this is confirmed by the original and current title reports). Isn’t Bank of America’s responsibility to correct the property type in its records since it is a mistake on its part in its capacity as the original lender and loan processor? Answer: Your lender should probably
t’s been a pretty lousy year for home sellers. In some areas, home values are off 30-50 percent from their high in 2006. Roughly 28 percent of homeowners underwater with their loans (or nearly in negative equity), according to third quarter 2010 data from CoreLogic, and foreclosures have hit record numbers. It’s getting harder to sell your home and walk away. Despite record-low interest rates, which touched 4.3 percent for a 30-year fixed rate mortgage and the even lower 3.6 percent for a 15-year loan (a full half percentage point below the interest rate lows of 2009), buyers have been reluctant to jump into a market where it’s unclear whether home prices are appreciating, holding steady or declining further. And, unfortunately, the days of home buyer tax credits have gone away. Millions of foreclosures and short sales also undercut pricing of homes, making it seem as though home values are lower than they might actually be. If you’re hoping to sell in 2011, you’ll be facing all these challenges, and more — the real estate industry isn’t expected to improve much over the next couple of years. Certainly, until the unemployment picture improves substantially, it will be difficult for the real estate industry to gain any positive momentum. So what can you do if you want or need to sell in 2010? Consider my classic New Year’s Resolutions for home sellers:
OVERCOME ANY POSSIBLE OBJECTIONS A BUYER WOULD HAVE Sellers must understand that they must not only eliminate any potential objections that stand in the way of a buyer making an offer, but they must exceed buyers’ expectations as well. If your home is competitively priced, and your home’s condition exceeds a buyer’s expectations, you’ll get an offer — even if it isn’t the offer you want. GET YOUR HOME INTO SELLING SHAPE Cleaning your home and cleaning out your home is a must. Get rid of items in closets, storage areas, basements and attics that you no longer need or use. If you have not seen it or used it in the last five years, it’s probable that you can throw it out or donate it to your favorite charity. An uncluttered home will sell faster than a home stuffed with personal belongings. After that, you should consider hiring a stager to give your home the television-worthy polish that many buyers expect today. Assess what other work needs to be done, such as fixing things that don’t work, touching up paint, or cleaning or replacing your carpets. Decide if you need to update your landscaping, and paint, clean or tuckpoint your home’s exterior. INVITE AT LEAST THREE AGENTS TO CREATE A COMPARATIVE MARKETING ANALYSIS Often, sellers simply call the agent who sold them their home to list it. While you may wind up hiring that person, you’ll be doing yourself a favor if you invite a couple of other agents in from different firms. That’s because each will bring different ideas to the table about how much your house is worth and what kind of marketing plan will work. UNDERSTAND WHAT IT WILL TAKE TO SELL YOUR HOME If you live in an area littered with foreclosures, you may have to meet that price point in order to sell. Is it worth it? Probably not, but you’ll have to really evaluate price and timing
BE REALISTIC ABOUT THE MARKET Find out what is selling, and what the average number of days on the market is for homes that are selling. Accept the reality of your local market and make sure you price your home realistically. Don’t blame your broker if you don’t get three offers over your list price within 24 hours of putting your home on the market. Sellers who set sky-high prices could wait months or years for an offer and may wind up with the same price they would have had if they’d priced their home correctly the first time — or a lot less. In this real estate market, one of the worst things you can do is overprice your home from the outset. If you price it below where it should sell, you may start a bidding war and may sell your home faster and for more money. The key to a sale in today’s market is understanding what is going on in your neighborhood in terms of normal sales, foreclosures and short sales. KNOW WHERE YOU’RE GOING I don’t recommend putting in an offer on another house until you have some serious interest in your current property. It’s fine to start researching other neighborhoods, but if you’re not sure what you want to do, consider renting on a short-term or month-to-month lease. These days, landlords are hurting and they may be perfectly happy to accept a six-month lease. During those six months, you can search for a home in a neighborhood you like and without the pressures brought on by the impending closing of the home you are selling. READ ALL DOCUMENTS THOROUGHLY BEFORE SIGNING THEM Why would someone sign a legal document he or she hasn’t read? I’m not sure, but home sellers do it every day. If you’re going to sell (or buy) in the coming year, promise yourself that you’ll take the time to read and understand the listing contract, offer to purchase, and loan documents for your next purchase. If you have to sell your home as a short sale, make sure you understand the timing of the sale, the timing of the negotiation with your lender on the sale of your home and all the other issues that go into getting a short sale completed. (If you’re giving financing to your buyer and taking back a loan, have an attorney prepare the documents so you are sure to be protected.) Unless you’ve got cash to spare, a mistake in these documents could seriously affect your finances. DO NOT BE DRIVEN BY GREED One big mistake many sellers make is to get a little greedy, particularly if the first offer is above the minimum acceptable price you’ve set. Then, the negotiation becomes a game of how much you can get. Remember, a successful sale means everyone walks away feeling happy. If you get so greedy that the buyer walks away, you’ve let the deal get the best of you. Resolve to be reasonable and you’ll end up shaking hands with the buyer at the closing. You should also know that there are fewer buyers out there and if you lose a buyer it might take you quite some time to find another one. Keep in mind that real estate brokers have a saying “the first offer is always the best offer.” While that saying may not always be true, you may be better off with that first offer than another offer six months later. For more information, call Glink’s radio show at 800-972-8255 on Sundays from 9 to 10 a.m., write to Real Estate Matters Syndicate, P.O. Box 366, Glencoe, IL 60022 or visit www.thinkglink.com.
Real Estate Matters
FEATURED PROPERTIES - VIEW PROPERTIES AT HOMEANDREALTYGUIDE.COM UP TO $199,999 OPEN - SATURDAY 12-2PM
PRICE REDUCED!
Happy New Year from Warberg Farm at Chapman Reservoir
4629 N Franklin Avenue
OPEN Saturday 12-2PM 2+Acre Lake front& horse lots starting $199,000. Surface rights,walk paths, parks, boat docks, fishing and peace garden.
3 bed/3 bath home on a beautifully landscaped corner lot! Newer stainless steel appl., roof & paint. Hot tub room & sunroom. Large family room and oversized garage. MLS#634133 $199,900
53-322066
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.allcoloradohomes.com
Seve Baker 970-302-0879 Felipe Sorzano 970-222-4423 970-330-7700 stevebakerrealestate.com
homeandrealtyguide.com Your online and print resource for residential, commercial and land for sale
Saturday Reporter-Herald January 1, 2011 E4
Prevent moisture on windows’ inside edge It finally got so bad that they put a laminate floor on top. In the process of laying the laminate, he discovered that the discoloration had uestion: Is it a problem nothing to do with the floor wax. when there is moisture “I was laying the new floor in the around the inside edges fall when the sun was lower on the of a window? My son and horizon, and the sunbeams were his wife have bought a house that is very apparent on the floor — and about 25 years old with casement exactly matched the worst of the windows, and often in the winter, discolored areas of the original there is about an inch of moisture vinyl tile,” Ranbow said. “It was around the edge of many of their true in both the kitchen and the windows. What causes that and dinette. Those windows face the should the windows be replaced? Answer: Excessive indoor humid- west.” So the problem was really UV ity comes in contact with the cold damage from the sun, and had glass and the inside edges of the nothing to do with the floor wax window fog up. It happens to the they’d used, or any other floor-care Paladian-style window in our masproduct or wear pattern. ter bedroom when I shower too “We immediately added wooden long on a cold morning and don’t blinds in those windows to help turn on the exhaust fan in the bathroom. The other day I noticed protect the new floor,” he said. Thanks, Herbert. that there were water droplets on the plants that sit in front of that TAX CREDITS window because of it. The end of 2010 marks the end Your kinfolk need to find ways to of the tax credit for energy-efficient reduce the indoor moisture and get the air circulating — with a de- replacement windows. This credit humidifier or ceiling fan or exhaust gives consumers the opportunity to replace the windows in their home fan. I doubt that window replacement is necessary, since the Paladi- and receive a tax credit of up to $1,500. an is “low-e” and that fact in itself Although the kin of our lead doesn’t stop the window from fogquestioner today probably don’t ging up. need replacement windows, Chris Somewhere I read that you rePickering, vice president of marketduce the chance of fogging if you clean the windows with rubbing al- ing at Ply Gem Windows, offers four things to keep in mind when cohol. I’ve never done so, but your son and daughter-in-law might give thinking of taking advantage of the energy tax credit for windows: it a try. The bill provides a $1,500 maxiIf fogging indicates excessive inmum tax credit for installing enerdoor moisture levels, there is the gy-efficient windows that qualify, danger of mold and mildew precalculated as 30 percent of the winsent. That could be the problem dows’ purchase price. that needs addressing. Qualifying windows must have a READER ASSISTANCE: glass package with a U-Factor ratAn appeal for help with yellowing ing (the rate at which heat is prevented from escaping) of 0.30 or vinyl floors brought this from Herbert Ranbow, who wanted to share lower, and a solar heat gain coefficient rating of 0.30 or lower. “our experience with Armstrong To file for the credit, homeownvinyl floor tile in our kitchen.” After about five years of wear, his ers need their invoice that shows a breakout of window and installawife decided the “no wax” shine wasn’t good enough, and topped it tion costs; National Fenestration with floor wax. Soon after, a discol- Rating Council (NFRC) labels from oration started appearing, a yellow- all windows and doors, and the ish hue over the main work area. It manufacturer’s certificate. got worse with time and spread to Once homeowners have the winother areas. dows installed and have gathered the necessary documents, they “We decided that it was caused need to fill out by an off-brand wax, and switched to Armstrong’s own floor-care prod- IRS 5695 form, found at www. ucts, but it was never the same,” he energystar.gov, and submit it by said. April 15.
H&RE Featured Home Plan
AL HEAVENS THE PHILADELPHIA INQUIRER
Q
The Ambridge is a timeless Craftsman bungalow ASSOCIATED DESIGNS
L
ooking at the Ambridge puts the viewer in mind of simpler times. More than anything, it's probably the full front porch, accented by slender wooden handrails and columns. If a porch swing suits your fancy, this is the place for it. The plan's symmetrical design and central dormer also add to the Craftsman bungalow effect. But this midsize home is larger than it looks from the front. Indoor living space comes close to 1,800 square feet, not including the larger bonus room over the garage. Family gathering areas fill the main floor, circling around a central stairway. Parlor and dining room are on the right, family room and kitchen on the left. Storage closets, utilities and a small powder room are in the middle, easily accessed from every direction. Dining room and living room flow together, minimally bounded by slender wall sections that could be joined by an arch or exposed beam, if desired. The fireplace provides warmth and color when skies are dark. An eating bar with overhead cabinets is all that separates the kitchen and family room. Working in the kitchen, you are never isolated. From here you can keep tabs on activities in the family room, front yard,
covered patio and front porch. Sliding glass doors brighten the family room and provide access to a covered patio. Upstairs, the Ambridge's owners' suite boasts two good-sized walk-in closets, and a private bathroom with dual vanities. The front bedroom is smaller but brighter than bedroom two. Access to the large bonus room is through a hallway just past the bathroom, or via a second staircase entered through the garage. For more information call (800) 634-0123, or visit www.associateddesigns.com.
H&RE Property of the Week 4629 N. Franklin Ave., Loveland Price: $199,900 Built in: 1978 Square feet: 1,970 Bedrooms: 3 Bathrooms: 3
T
his North Franklin Avenue home is located on a beautifully landscaped corner lot with new vinyl fencing, roofing and paint. Newer stainless steel appliances and new flooring are featured in the kitchen and the large family room holds a pellet stove. Owners will also enjoy a hot tub room, a separate sunroom and a full security system. The oversized garage has built-in cabinetry, and there is RV parking on the property as well. Contact: Steve Baker at 970-302-0879 or go to www.stevebakerrealestate.com.
NEW NORTHERN COLORADO HOMES
N E
1
E 37th St. US 287
S
E 29th St.
25
OPEN HOUSE SAT. & SUN. 1PM-4PM 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
53-321966
1
Seven Lakes Dr. N. Madison Av.
W
Saturday Reporter-Herald January 1, 2011 E5
DIY or call in the pros? Some babyproofing basics
B
abies and toddlers are curious creatures. Something captures their attention — a stuffed animal, a shiny object or a noisy rattle — and they’re going after it. Just make sure they aren’t chasing a teddy bear on top of a dresser, the blade of a knife or a pill bottle. Babyproofing is key to keeping children safe at home. “Parents should realize that injuries are the leading cause of death in children over one year of age,” and many are preventable, said Dr. Garry Gardner, chairman of the American Academy of Pediatrics’ Committee on Injury, Violence, and Poison Prevention. The most common injuries are burns, cuts, bruises, and head and other injuries from falls, he said. For generations, new parents made homes baby-ready themselves. These days, you can do it yourself, hire a professional or both. It’s part of a larger trend toward more watchful, safetyconscious parenting. “Using professionals saves time and gives peace of mind, but diligent parents are capable of babyproofing their own homes,” said Shannon Choe, who offers home safety assessments as founder of Premier Baby Concierge in Berwyn, Pa. She said her clients are about evenly split. New parents have some time before they need to babyproof, since newborns aren’t going anywhere just yet. But time passes quickly. Experts recommend staying ahead of a baby’s development by a milestone; for instance, blocking the top and bottom of the stairs before a child’s on the move. Eventually you’ll need to lock up cleaning products, medicine and plastic bags, clear the house of choking and strangulation hazards (including the cords of drapes and blinds) and block ac-
AP photo/Dorel Juvenile Group
The Safety 1st ProGrade Lever Handle Lock
cess to dangerous areas, among other things. Furniture or TVs that could topple should be anchored to the walls. Toddlers might use dresser drawers “like stepladders,” and an accident can happen in an instant, said Colleen Driscoll, executive director of the International Association for Child Safety, a professional organization for baby- and childproofers that was founded in 1997. Proofers may be called for a top-to-bottom job or just to install a single gate, she said. “Most of our clients aren’t very comfortable drilling holes in their own home and they usually have us do that,” said proofer Jack Smith, founder of Dallas-area InfantHouse. “Some of the lighter installation they can elect to do themselves.” The babyproofing industry began about 20 years ago. Driscoll’s association has about 110 childproofers as members in the United States, she said. It is launching a certification program, with the first certifications expected in 2011. Professionals are familiar with safety products and can determine which ones are right for a home, saving parents multiple trips to the store, Driscoll said. Pros also can teach parents about dangers they might not think of. “Children grow and develop very quickly, and sometimes parents are caught off guard in what they’re capable of doing,” Driscoll said. “We want them to understand and be ahead of their children before they find the trouble.” The cost of professional babyproofing varies. Smith charges $100 for a room-byroom consultation and product recommendation, which clients receive whether they hire the company to do the inAP photo/Dorel Juvenile Group stallation or not. The Safety 1st ProGrade Flat Screen TV To babyproof an enLock tire 4,000-square-foot
Retractable baby gate from Regal Lager
house — the average size of his clients’ homes, he said — he charges $3,000 to $4,000, while a single-story ranch smaller than 2,000 square feet would cost around $800. The prices include products and installation. To take on the task yourself, experts recommend the age-old trick of dropping to all fours and looking for hazards from a child’s vantage. To learn what you’re looking for, check online sources such as the academy’s healthychildren.org, babyproofing checklists and do-it-yourself books. “People say it’s very easy if you have the right tools,” said Debra Holtzman, author of “The Safe Baby” (Sentient Publications, revised edition 2009). “It is overwhelming if you have no guidance.” Her book offers chapters on nursery, kitchen and bathroom safety, and preventing falls. No matter who does the safety improvements, she urges parents to pay attention. “If someone else does it for you and you’re not involved, you may not have skills to do it later on,” she said. Parents should research products, and choose those certified by the Juvenile Products Manufacturing Association, Holtzman said. Avoiding products recalled by the government is also important. Check recalls.gov or sign up on the site to be notified when recalls are issued, Holtzman said. And send back product registration cards to be notified of company recalls. Once the home is proofed, don’t put your feet up for long. Safety experts suggest reassessing periodically because the hazards change as a child grows. “It’s wonderful to watch them grow and learn ... but their own natural curiosity can do them in if you’re not setting some boundaries,” Choe said. And gates, latches and locks are no substitute for a parent’s watchful eye. As Holtzman cautions: “No child safety device is 100 percent perfect.”
AP photo/Dorel Juvenile Group
The Safety 1st Alarm Security Gate
AP photo/The First Years
The First Years Single Set Pressure Gate
53-321052
LISA A. FLAM THE ASSOCIATED PRESS
ONLINE: • U.S. government’s recall site: www.recalls.gov • Juvenile Products Manufacturing Association: www.jpma.org • International Association for Child Safety: www.iafcs.org • American Academy of Pediatrics HealthyChildren: www.healthychildren.org • Debra Holtzman: http://thesafetyexpert.com
SATURday PRICE
LOCATION
Starting at the NE LOVELAND $250’s
ADDRESS
HRS
OFFICE
PHONE
1563 LA JARA ST / LAKES POINT
1-4
BURNS CONSTRUCTION 970-669-8386
sunday PRICE
LOCATION
ADDRESS
HRS
OFFICE
PHONE
Starting at the NE LOVELAND $250’s
1563 LA JARA ST / LAKES POINT
1-4
BURNS CONSTRUCTION 970-669-8386
$255,000
WINDSOR
7403 PIMLICO DRIVE
12-5
THE GROUP, INC
$342,500
SW LOVELAND
¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 12-4 402 TO THE DAKOTA GLEN SUBDIVISION
GLEN MARKETING TEAM, 970-663-4522 ERA
$344,000
WINDSOR
7407 PIMLICO DRIVE
12-5
THE GROUP, INC
$389,750
SW LOVELAND
975 PRISM CACTUS CIRCLE
12-4
GLEN MARKETING TEAM, 970-663-4522 ERA
970-443-4047
970-290-8097
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.
AP Photo/Regal Lager
WWW.HOMEANDREALTYGUIDE.COM CLICK ON OPEN HOUSE MAPS
Saturday Reporter-Herald January 1, 2011 E6
H&RE Front Range Gardening ThinkStock photo
The Season to Recycle It’s time to recycle that Christmas tree CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY
T
he parties are over, the New Year is here, and you’re left with a tree that’s intent on shedding all over the carpet. Before the branches are bare and the floor covered, drag that tree outside and recycle it into something to keep gardens protected for winter. Evergreen branches make cozy coverings, and mulch made from chipped trees helps perennials stay put, buffering the freeze-thaw of soil that heaves plants out of the ground. Clip the boughs from the tree — after you’ve removed ornaments, tinsel, and lights — and lay them over evergreen and semi-evergreen perennials, which suffer winter burn on leaves. Only branches with needles are useful blankets, so if your tree is dried out, it’s time to grind it up. Pull out the chipper and carefully feed tree pieces into it, then use the chips to mulch the garden. Spread small chips thinly; no more than one to two inches thick. Their small size means they compact readily, smothering plants. Larger wood chips should be spread three to four inches thick. If you don’t own a chipper but want to recycle your tree, check out one of several recycling programs offered in the area. And if you want to send your tree off with a last spark of Christmas cheer, call the Boy Scouts to haul it off. A fundraiser for local troops, the donation you provide for curbside service helps scouts cover costs of camp and supplies. “It’s so much fun for us; the boys look really cool dragging a tree across a yard and stuffing it into a car,” said Beth Greer, who coordinates Troop 575’s annual Christmas Tree recycling pickup in Supe-
rior. With a new Kia, she’s one of several parents who drive scouts around to gather trees for the city to chip into mulch. “I like seeing how many trees they can shove into my car. Last year we got seven in; I’ve still got sap and needles stuck to the roof.” For a list of tree recycling near you, visit recycleyourchristmastree.com/guide .html. Here is a list of local tree recycling locations: BOULDER What: Western Disposal will pick up trees throughout the city. Place your trees by your compost cart on collection day. Cut trees taller than six feet into sections. ERIE When: December 27 through January 16. Where: Coal Creek Park, intersection of Cheesman and Kattell in downtown Erie. Mulch pick up: Beginning Monday, January 17, through February 18, Erie Parks will mulch trees, leaving it for the public to remove and use. The mulch is free, but you provide transportation.
LAFAYETTE When: December 27 through January 29. Closed Friday, December 31, Saturday, January 1, and Saturday, January 8 for the Oatmeal Festival. Where: City Service Center, 1700 Avalon Avenue. Scout Troop 69 fundraiser: Pick up is January 15 only. Sign up until 8 p.m. January 14 at sites.google.com/site /scouthut69/. For Lafayette and Erie only.
south of 8th Ave.; Garden Acres baseball park, off 18th Ave.; Kanemoto Park, in parking lot south of Pratt Parkway; Centennial Park, off Alpine Street. The Longmont Recycling Center, 140 Martin Street, takes trees year round. SUPERIOR
When: December 26 through January 31. Where: Town Yard Waste Recycling Site, 2125 Honey Creek Lane. LOUISVILLE Scout Troop 575 fundraiser: Pickup in What: Western Disposal will pick up trees throughout the city. Place your trees Superior on January 8 only. Sign up before 4 p.m. January 7 at troop575.org/. by your compost cart on collection day. Cut trees taller than six feet into sections. Donation: $6 for small trees (up to 5 feet), $10 for large trees. LOVELAND When: December 20 through January Carol O’Meara is with 31. CSU Extension in Where: Centennial Park, West 1st and Boulder County. Taft; Loveland Recycling Center, 1st Contact her at Street and Wilson Ave.; Kroh Park, North 303-678-6238 or Highway 287 and 52nd Street. comeara@co .boulder.co.us. LONGMONT When: December 26 through January 5 Front Range Gardening Where: Roosevelt Park, in parking lot
7 tips for storing holiday decorations in your home MCCLATCHY-TRIBUNE
To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place your ad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com
Apartments/ Commercial Garages/Storage Houses Unfurnished 4030 Industrial 4040 Spaces 4070 2 BDRM, 1 BA, spacious 2 Bdrm 925 Lincoln, $995 1 CAR GARAGE- $75/mo. living & dining, A/C close Old Town, Great Offices. Great for storage. to shops! 1707 Cheyenne rmpm.com Call 669-0842 rmpm.com. 970-669-0842 Ave #7. R/D $550, H20, Sewer & gas pd, 6000 SF Retail/Warehouse STORAGE 20 x 40 Faith Property 970-377-1626 on Hwy 287. Overhead door. with 14´ overhead door. 970-593-2401 or 970-227-7447. $325/mo. Call (970)481-5899 2 BDRM, 1 BA,top level, corner unit, new carpet. WAREHOUSE w/ office lndry on site. 1155 E 5th St. $800/mo + utils. 107 W 7th $575, wtr/swr/gas pd. N/P St, Lvld Matt 970-631-0564 $250 move-in special! Faith Property 970-377-1626
Houses
Apartments/ Unfurnished 4030
2 BDRM in LOVELAND $715 + deposit. Heat, ”0“ UTILS! 1 or 2 room water, trash paid. studios, vintage apts. Onsite mgmt. W/D, WiFi, 970-214-2057 or 970-266-0206 DirTV $335-$630 970-219-6353 ✭ 1 BDRM apt, $500, 2 GOOD 2 MISS! Mobile Home $550, Cozy up to the stone hearth rent includes utilities. fireplace, tickle your toes 430 E Eisenhower. in new plush carpet, do Estate Builder 970-667-3400 laundry in your PJ´s... 2 bdrm, SW Lvlnd, open flr 2 BDRM, 1.5 BA 4-plex, w/d plan, lg stor closet & more! hkups, $595, avail now. 3518 Butternut #D (720)936-1854. Pvt owner, avail now. No pets. $625. 970-690-5261 2 BDRM, 1.5 ba, remodeled! Hkups, $800/mo, wtr/ 3 BD or 2 BD- Free rent! sewer pd. 1842 E 17th St, Pets nego. Quiet & spac. Faith Property 970-377-1626 $625-$795. 970-223-1349 2 bdrm 1 ba, 311 N. 1st St, Johnstown H20, sewer, trash pd, spacious living 3 BDRM 1 BA apt, spacious and bright, 910 N Douglas areas, great location! $695 www.FTCRENT.com $510/mo Must see! 970-226-5600 Faith Property 970-377-1626 2 BDRM, 1 BA, $600/mo. WTR. PD! 2346 S Colorado, LUXURIOUS UPSCALE Quiet. No smk/pets. APARTMENTS 970-218-0510 STUDIO, 1, 2, & 3 BEDROOMS- Pool, hot tub, 24 hr. fitness center, 2 BDRM, 1 BA, bsmt apt, business center, coffee hkups, 1705 1/2 E 8th St, $725/mo Faith Property shop, salon, pizza & deli. OPEN HOUSE, Mon-Fri 970-377-1626 9am-6pm, Sat. 10am-5pm. 2 BDRM, 1 BA, garden 325 E. 5th St., Loveland. level, lg LR/DR, close to 1-888-822-9346 downtown, lndry on site. 1145 E 5th St. $550, wtr/swr/gas pd. N/P $950/Mo, 1⁄2 Mo Rent Free $250 move-in special! 2 Bdrm /2 Full Ba, W/D Faith Property 970-377-1626 inc, new carpet, built 2000, 2 BDRM, 1 BA overlooking balcony. 970-667-7000x106 1043 Eagle Dr Lvld park, large living room, extra storage, ALL UTILITIES INCLUDED! $680/mo. 970-669-1375
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 in 4 plex. Heat paid! Walk-in closets. $625/ mo. 3644 Butternut Dr. 970-669-4752 or 970-667-7900
Apartment Community with spacious, clean 2 & 3 bdrm units avail. W/D hkps, frplc´s, covered patios. $595-$695/mo. Call Today! 970-213-1633 www.hmre.net
LARGE 1 bdrm, carpet, drapes, stove, DW, fridge, W/D hkp. NO pets. $500 + dep. 1502 S. Douty #1. 303-776-1287 or 303-747-2219
Condos/ Townhouses 4050 2 Bdrm, 2 ba condo, $950/ mo, $950/dep. W/D, gar incl. Centerra loc, 290-4301 3 Bdrm, 2075 Grays Peak, $1050/mo. Avl 2/1. 1 car gar rmpm.com. 970-669-0842
3 BDRM- 2212 SW 3rd $925- Fin bsmt, 1 car gar Call rmpm.com 669-0842
Duplexes
4060
2 Bdrm, 1010 E. 16th, $575 garden level, 1 car gar rmpm.com. 970-669-0842
2 Bdrm- 141 Glenda, $775 NICE! Big Kitchen Call rmpm.com 669-0842
2 BDRM- 1624 E. 17th, $625. Patio, shared garage. Call rmpm.com 669-0842
3 BDRM- 1100 N. Taft, $1095/mo. 55+ community Call rmpm.com 669-0842
4080
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. 3 Bdrm- 1216 Hilltop, $1095 MUST SEE! So Nice! Call rmpm.com 669-0842
4080 Office Space 4100
3 BDRM, 2 ba in Berthoud. Downtown corner loc, bldg Immaculate, never rented! w/ 3 ofcs/recept area. 4 car N/P/S. $1575. (720)237-1238 prkg. $1000/mo 970-667-5145 West Eisenhower Office 3 Bdrm, 3 ba/office, main 4 room office suite. flr master, 3 car. Avl 1/15. Eisenhower Frontage. $2000/$2000. N/S. 663 Plently of off-street Modena Ct. 970-566-4626 parking. Elegant historic building. $1250/per month 3 BDRM- 517 E. 50th, $1125 plus utilities for all or Pets nego, firelplace will subdivide. 970-481-7580 Call rmpm.com 669-0842
Retail Space 4135
Exceptionally NICE! 4 BEDROOM, 2 bath home Retail & Office Spaces. in nice neighborhood. Air, sprinklers, new carpet. Starting at $225. Utilities Included. 970-613-1477 Available 1-5-11, $1200/mo. No/Pets, 970-667-0860 or 970-218-3486 OWN your own home for what you pay in Rent! Lowest rates, $0 - $1000 Down Free Prequalification. Western Plains Realty Ken or Tammy 970-663-5008
✔✔✔✔
To ensure you receive the best response to your advertisement, please check your ad the first day of publication. We regret we cannot be responsible for more than one day´s incorrect insertion. Billing inquiries can be initiated within 30 days of ad expiration.
Mobile Homes/ Spaces 4090 2 Bdrm, 1109 E. 4th, $425 Newer carpet & linoleum rmpm.com. 970-669-0842
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
5110
3 BDRM, 1 ba, very clean/ $1,150/Month, 3 Bdrm, 2 Ba updated! A/C, lrg fncd yd, Ranch, built 2009. Full avail 1/1. $980/mo. 3125 bsmt, lg gar. 970-402-6432 Butternut Dr. 970-290-9878 1899 E 11th St Lvld or 970-290-2218. ✭ 2 BEDROOM HOMES ✭ 3 Bdrm, 2 ba, gar, w/d hkp, $575 to $650 + dep. 3 BDRM222 SW 42nd, $850 $700. 8 Birkley Ct. Lvld W. Hwy 34. Pets on appr Newer carpet, BIG! No/smk/pets. 970-667-3353 Se Habla Espanol Call rmpm.com 669-0842 (970)685-8573 3 BDRM- 3407 Ash, $825 3 Bdrm, 2438 Mary Beth, 1 car gar, fncd yard. $1295. Fin bsmt, pets nego Call rmpm.com 669-0842 LIKE NEW HOMES rmpm.com. 970-669-0842 DBLWIDES & SINGLES Easy Credit. Low Down! Buy or Rent. Call now. Country duplex, 2 bdrm, 3 BDRM, 2 BA ranch, new A picture is worth carpet & paint, 2 car gar. 970-420-8488 1 ba, animals OK, on CR 13. 2514 N Empire, no smk/ a thousand words $850 inc utils. 970-219-3107 pets. $1100/mo. 970-690-1211 Move Your Home FREE! Try a classified picture ad! Call for details Spacious 2 bdrm, 1 ba, gar, 3 BDRM, 2 ba, Tri-level, LOT RENT STARTING @ frpl, gar, 766 21st St SW, $199. 250+ Communities to exc loc in culdesac. 3 bdrm 970-635-3650 $1250/mo choose from. Offer expires apt also avail. 970-308-7387 Faith Property 970-377-1626 1/10/2011. 970-377-0990
A
fter a month of decorating and merrymaking, the holiday season is winding down. Here are some useful tips on how to organize an effortless holiday cleanup. 1. Unplug and take down all holiday lights. Leaving Christmas lights attached to a house, trees, bushes or other outdoor fixtures will slowly break them. Store them in a box inside where weather will not crack the bulbs and tangle the wires. 2. After removing holiday wreaths from indoor and outdoor locations, make sure they are clean. Remove any cobwebs, leaves or bugs. Use canned air to remove any dust. Store wreaths in plastic wreath bags or wrap them in large plastic garbage bags to keep them clean until next holiday season. 3. Place ornaments in their original boxes. Ball-shaped ornaments often come in boxes with wells for each individual bulb, which prevents them from breaking. If the original box is no longer available, wrap each ornament in a few layers of paper towels or newspaper and store in a plastic storage box. 4. Clean up holiday candles. Trim the burned wick. Wipe off any excess wax drippings, and place holiday candles in an airtight box for storage to preserve the fragrance and prevent your cabinet from smelling like several scents mixed together. 5. Wash and store holiday table cloths, place mats and runners. Take the time to hand wash them, or use the delicate cycle on the washing machine to freshen holiday linens. Remove food, wax and other stains before storing them for the holiday season. 6. Remove decorations from Christmas trees. Take all ornaments, tinsel, lights and candy off the tree before placing it into storage if it is artificial. Cover the tree with plastic, or fit it back into its original storage box or case so it doesn’t get dusty during the offseason. 7. To dispose of a real Christmas tree, check to see if your city or local organizations collect trees. Additionally, dumps or recycling centers often accept old trees. Lastly, you can chop your tree into logs and kindling to use as firewood throughout the rest of the winter season.