Saturday Reporter-Herald March 5, 2011 C1
Real Estate Matters
www.homeandrealtyguide.com • Saturday, March 5, 2011 • Reporter-Herald
Abandon lagging lenders
Women’s group brings together a variety of experiences in real estate JENNIFER LEHMAN SPECIAL SECTIONS REPORTER
O
ILYCE GLINK TRIBUNE MEDIA SERVICES
Q
uestion: I currently have a mortgage with one of the big banks, the ones you call big box lenders. I consider myself an average working American struggling to keep her head above water in this economy. I have owned my home since 1997, and with the recent low refinance rates I decided to try to lower my current 6.75 percent interest rate. I started this process in September, and now almost five months later am no closer to a closing date. My loan officer kept telling me throughout this process that there was nothing to worry about and there were no problems with my application, although the original agreement in writing has long expired. After all the additional paper work and mental exhaustion through the process, my loan officer has come back and advised me that my application is considered incomplete and the lender needs more information. And now they want me to close two of my major credit card accounts. I can’t just pay off the balances. I have to close out the accounts and I have to do it immediately. Can you believe this? I am entirely uncomfortable with this requirement because with the economy the way it is, it would be difficult to get new credit card accounts, and I have had these open for several years. Why are they giving me this ultimatum after five months when, again, I wasn’t advised of any problems? They won’t guarantee my original interest rate of 4.375 percent, and won’t tell me what interest rate I would qualify for even if they do approve the refinance. I feel like I have been swindled. Is this usual mortgage practice? If so, there should be a law against it. Answer: It may be hard to hear this after all you’ve been through, but the truth is these folks just don’t want your business. They aren’t trying to keep you as a customer. They’ve strung you along and now want you to give up your credI See GLINK/Page C4
n Tuesday, members of NoCo Who-WIRE (Northern Colorado Women Helping Other Women in Real Estate), discussed expectations and goals for the real estate market and their businesses in the coming year, including optimism for Weld County’s growing economy and the rise of lease-toown homes in response to the rental demand and tight lending atmosphere. NoCo Who-WIRE is a women’s real estate group started last fall by Lori Jarrett, broker and owner of Take Me Home Real Estate. Jarrett, in the real estate business for 20 years, and an independent broker for the last five, wanted to create a group where women with varied interests and professions in real estate could be a part of an educational and supportive community. The catalyst came while seeking financing for several female clients last year who were on the verge of loan approval. “I had about 12 clients, and they had two things in common, Jarrett said, “They were all women, and they all couldn’t get financing.” She sought local investors she had worked with before, “but they were all men, and it just wasn’t fitting with my clients,” Jarrett said. NoCo Who-WIRE grew out of wanting to connect women to support each other in the purchase of a home, real estate investment and financial independence. While real estate industry groups for women exist in the area, typically status as a licensed professional is required, Jarrett said. She wanted a more informal outlet for combining not only women throughout the business of real estate, but also women interested in learning more about real estate, from financing to home improvements. Group members are mostly real estate professionals who are also mothers, grandmothers, community leaders, volunteers, teachers, counselors and owners of side ventures. Christa Petersen with Chicago Title in Loveland, began attending the Who-WIRE group meetings after helping Jarrett close on a property. Petersen usually doesn’t participate in industry groups, but likes Who-WIRE’s emphasis on education
RH Photo/Jennifer Lehman
Members of NoCo Who-WIRE met for their March meeting this week. The group connects women with interests and professions in all aspects of home and real estate. and discussion rather than only pitching projects and services. The group’s informal style allows women to be more open about priorities like family and community in addition to real estate issues and trends, Petersen said, something that can be lost in coed groups, where women sometimes tend to shy away from being vocal. “I think that first and foremost we are all women and parents, and I don’t think that is always something that we share first when we are at a table with men,” Petersen said. Jeannie Perkins, a client of Jarret’s, is a caregiver and jewelry maker whose interest in real estate lies in maintaining the vitality of historic homes and districts. Perkins said the group connects her to the people of the region as she seeks to become a full member of the community after recently moving to Loveland from Parker. Jarrett sees this diversity of interests, in business and caring for home and family the focal point of
why she entered real estate in the first place. “Our lives are centered around the home, and I wanted to create the whole set where women could get together and support each other in their home, and in their interests of real estate.” The combination helps ground the real estate business at a time when competition is cutthroat, Jarrett said. I'm putting “real” back into real estate, she joked. Jarrett is incorporating this into the group with presentations and market updates from local businesswomen and experts within the group on things surrounding real estate and the home. At Tuesday’s meeting, Lorry Schmitz, owner and founder of STAT (Safely There Animal Transportation) in Loveland, shared her story and how her business could be beneficial to real estate professionals looking to assist their clients in relocation.
Upcoming presentations will include information on topics like lending, an area of the market that changes every day, Jarrett said. “(Lending) is a big thing right now because a lot of people are looking for a home and they just can't get financing.” In the long-term Jarrett hopes to turn that education and discussion into something group members can pass on to their communities and peers, potentially helping people with financing, investing, home improvements that will help sell their properties and Habitat for Humanity projects. “There are lot of people who have struggled with this in a way that has really made a significant impact on their life and I want to be able to turn that around and start helping those people, Jarrett said, both clients and business acquaintances across the the community. To find out more information about NoCo Who-WIRE, go to www.whowire.com.
Inside this week’s Home & Real Estate
Real Estate Transactions
Carol O’Meara:
Ryan Spencer, The Group, Inc. Real Estate
Listings from Front Range properties recently sold
Director y
Page C2
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2011 HOME & REMODEL SHOW
BUILDERS REMODELERS HVAC PAINTING SIDING
March 5th & 6th, 2011 10 am to 5 pm THE RANCH, Loveland First National Bank Exhibit Hall
Free Admission Free Parking
WINDOWS
& DOORS
PLUMBING ELECTRICAL ENERGY STAR
The season to plant trees is here
Page C4
DON’T MISS OUR BIG SCRATCH & DENT SALE! Visit the New Home Bonanza entries!
Individual Home Information: www.coloradoparade.com
Hosted by
970-686-2798 Also sponsored by
09-324473
Realtor of the Week
Saturday Reporter-Herald March 5, 2011 C2
Realtor
H&RE Real Estate Briefs
of the Week Ryan Spencer
HOME BUILDERS ASSOCIATION OF NORTHERN COLORADO HOSTS NEW HOME AND REMODEL SHOW From 10 a.m. to 5 p.m. today and tomorrow, The Home Builders Association of Northern Colorado will offer its annual New Home and Remodel Show. The event will give attendees a chance to see the latest in home remodeling, rejuvenating, redecorating and more. The show, sponsored by Northern Colorado Energy Star Homes, will be held in the First National Bank Exhibition Hall at The Ranch. Show vendors will include home builders, painters, plumbers — everyone who provides beauty, function and strength to a home, old or new. Experts will be on hand to answer questions about home-related trends and topics. For more information, call 970-686-2798.
BROKER ASSOCIATE/PARTNER THE GROUP, INC Location: 5401 Stone Creek Circle, Loveland Contact: 970-214-0263, rspencer@ thegroupinc.com, buyandsellwithspencer.com Designations, Affiliations and Accolades: Certified Distressed Property Expert, Loveland/Berthoud Association of Realtors, Colorado Association of Realtors, National Association of Realtors, Quality Service Certified, Graduate of Ninja Selling
FORECLOSURE DEFERMENT PROGRAM EXTENDED TO 2014 According to information from the Colorado Division of Housing, the Foreclosure Deferment Program, which allows borrowers, under certain conditions, to gain an extra 90 days during the foreclosure process, has been extended to June 30, 2014. The program had originally been set to sunset on July 30, 2011. For more information, visit http://divisionofhousing.blogspot.com/ 2011/03/foreclosure-deferment-program-extended.html.
Years of Experience: Nine
R
yan Spencer is a Colorado native and was raised in Loveland. He loves outdoor activities as well as being an active volunteer in the community. Currently Spencer is President and board member for Wings, a member of Sertoma, Thompson Valley Rotary and the Loveland Chamber of Commerce as well as a supporter of United Way, Sculpture in the Park, Larimer County Partners, Namaqua Center, Boys and Girls Club, Sierra’s Race for Meningitis and Loveland Loves Barbecue. Spencer’s mission is to create successful long-term relationships with his clients by providing industry leading knowledge, information and service — getting his clients where they want to go on time. He wants to help his clients to accomplish their real estate goals now and in the future, empowering them to create wealth through real estate and the ability to pursue lifelong dreams and passions.
COLORADO FORECLOSURES FALL The Colorado Division of Housing recently reported that the percentage of Colorado mortgage loans in foreclosure fell to 2.53 percent during the fourth quarter of 2010, falling from 2009’s fourth-quarter rate of 2.81 percent. According to a report released by the Mortgage Bankers Association, however, in spite of recent year-over-year declines in the foreclosure inventory, the proportion of Colorado mortgage loans in foreclosure rose this year from the third quarter to the fourth quarter, increasing from 2.4 percent to 2.53 percent. The increase in foreclosure inventory from the third quarter to the fourth was also experienced nationally.
H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 970-667-1537.
Loveland • John & Connie Falvey from Custom Onsite Inc, 1435 Massadona Pl, Loveland, $332,000, home • Zachery Sullivan from Robert Kittle, 1716 Denver Ave, Loveland, $174,000, home • Mitchell & Lena Williams from George Ligotke, 3515 Manzanita Dr, Loveland, $776,000, home • Jang Um from CSFB Heat, 3350 Challenger Point Dr, Loveland, $340,000, home • Resident from Frink Assoc Pc, 1602 Falls Ct, Loveland, $229,200, home • Tyler & Max Marr from Joseph Cleopatra Schiro Family, 4217 10th St Sw, Loveland,
$179,000, home • Kevin & Pamela Valdez from James Quaratino, 1904 Massachusetts St, Loveland, $316,500, home • Andrew Martinez from Results Real Estate LLC, 2033 Crystal Ct, Loveland, $103,000, home • Brian & Rachel Walker from Jayne Wieger, 1792 Sphene Pl, Loveland, $218,000, home • Jose Otero from Carol Beals Taylor Trust, 1891 Winchester Ct, Loveland, $165,000, home • Frederick & Pamela Grond from Jesse Francies, 742 Beaver Cove Ct, Loveland, $650,000, home • J LLC from Larry Haag, 730 N Cleveland Ave, Loveland, $189,000, home • Victor & Carlos Almanza from Jodie Hutcheson, 1803 Dotsero Ave,
Loveland, $160,000, home • Timothy Stone from Oak Valley Homes LLC, 275 Carina Cir Unit 101, Loveland, $178,200, condo • Cindypete LLC from Cindy Peterson, 1704 Empire Ave, Loveland, $133,000, home • Craig Schneider from Aurora Ln Services LLC, 349 E 48th St, Loveland, $133,000, home • Robert & Sally Brown from Carol Gutzmer, 989 W 41st St, Loveland, $265,000, home • Aaron & Andrea Knerr from David Pierce, 1207 E 15th St, Loveland, $121,900, home
Berthoud • Judith Roberts from David Stickler, 306 Hubbell St, Berthoud, $261,400, home • Veronica Leivian from Berthoud Investments, 833 Gentlewind Way,
This week Last week Trend
4.84%
4.87%
15-year fixed
4.12%
4.16%
5/1 ARM
3.56%
3.56%
stown, $189,000, home • Richard & Doris • Erich Ebbinghaus Ramine from Dorothy from Oakwood Homes Maggart, 308 Medinah LLC, 3761 Arrowwood Ln, Johnstown, $209,300, Ave, Johnstown, $125,000, home home • Judith Christian from • Simon Hoepfner from April Mcclafferty, 2036 Fannie Mae, 45 Saxony Rd, Johnstown, $195,000, Overland Dr, Johnstown, • Paulino Sanchez from home $165,000, home William Flaherty, 3875 • Derek Jenke from • Stanley & Cathy LawStar Way, Estes Park, Oakwood Homes, 3912 son from First Western $260,000, home Cedarwood Ln, JohnTrust Bk, 27126 Coyole stown, $230,800, home Ridge Ln, Johnstown, • Venkata & Renuka • Tevis & Britt Sher$105,000, home Golla from Wells Fargo man from Eric Land, 114 • David Inskeep from Bank, 741 Big Horn Dr, Kits Pl, Johnstown, Rache LLC, 6245 State Estes Park, $160,000, $242,900, home Highway 60, Johnstown, home $175,000, home • John & Debra Dul• Dara & Patrick Mclaghan from Bank New dougle from Ryland York, 540 Birch Ave, Estes • Brent Botz from NikGroup Inc, 64 White Park, $208,000, home ki Lewis, 2155 Settlers Wing Ct, Johnstown, Dr, Milliken, $145,000, • Bella Inc from Estes $398,500, home home Park Salud Foundation, • David & Rebecca 600 S Saint Vrain Ave Young from Oakwood Unit 2, Estes Park, Homes LLC, 3760 Beech$280,000, condo • John & Constance wood Ln, Johnstown, Brown from Bernhardt • Don & Judy Gordon $208,100, home Living Trust, 509 7th St, from Dale Roberts, 1151 • Sarah & Kevin KeelWindsor, $212,500, home Scott Ave, Estes Park, ing from Matthew Reid, • James Rae from Hsbc 1915 Overland Dr, John$379,000, home
Estes Park
Milliken
Windsor
Home & Real Estate is produced every Saturday by the Loveland Reporter-Herald.
For home and real estate advice, features and information, visit www.homeandrealtyguide.com
DISPLAY ADVERTISING 669-5050 CLASSIFIED ADVERTISING 635-3650
FEATURED PROPERTIES $200,000 - $299,999 OPEN HOUSE SATURDAY 1-3PM
Johnstown
OPEN HOUSE SATURDAY 11-1PM
November
834 842
855 941
Sold Listings
90
90
74
$206,819 $194,900
$219,777 $245,000
$240,000 $195,000
131 127
130 128
130 133
Year to Date Listings Sold Previous Year YTD Listing Sold
1,250 1,205
1,340 1,297
74 57
Monthly Volume Previous Year Monthly Volume
$24,289,790 $22,476,776
$26,065,297 $26,273,366
$20,505,379 $13,173,437
Median Sales Price Previous Year Median Average Days on the Market Previous Year ADOM
$300,000 - $399,000 OPEN HOUSE SATURDAY 10-12PM
970 Sioux Drive, Berthoud
2640 East Highway 402, Loveland
5 Bd, 4 Ba with 2 master suites - one up and one in basement. Oversized garage, wood floors in kitchen and dining room. Vaulted ceilings, two living rooms on main floor. MLS# 648388 $245,000
Wonderful 3 bd, 2 ba ranch style home with mtn views. 3 car garage. 5.43 acres could be used for horse facility or could be a great in home commercial business. Water rights included. $325,000
Marta Loachamin Century 21 Humpal, Inc 720-323-5089 Marta@century21.com
Kurt Albers Century 21 Humpal, Inc. kurtd57@msn.com www.allcoloradohomes.com
$400,000 - $499,000
$500,000 +
LAND FOR SALE
OPEN HOUSE SATURDAY 10-1
OPEN HOUSE SAT.& SUN. 1-4 TRADES CONSIDERED
SALES OFFICE OPEN SAT 12:30-2:30PM
466 Cove Drive
New Custom Ranch - 288 Reservoir
Warberg Farm at Chapman Reservoir
Beautiful 5-bedroom, 5-bath with main floor master & laundry; finished walk-out basement with fireplace & wet bar; fenced back yard; oversized heated garage. Great for entertaining! Must see this home!!
Walkout bsmt., open floor plan, panoramic views. In select group of lots. Pittington Ranch. Many upgrades. Must see. W. on Hwy 34, S. on CR 29 to 18E. 2.3 miles to Flat Iron Rd., right side of the road.
OPEN Saturday 12:30-2:30. 2+ Acre Lake front & horse lots starting at $225,000, water tap included. Surface rights, walk paths, parks, boat docks, fishing and peace garden.
09-324907
John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512
January
903 882
496 Mesa Drive, Loveland
Valerie Scheffer Harmony Brokers 970-282-9488 val@harmonybrokers.com www.harmonybrokers.com
December
Active Listings Previous Year Active Listings
Mariana Butte Subdivision, Beautiful 2 story home with unfinished walk-out basement. New paint and counter tops. $214,900 MLS#647676
Ursula Albers Century 21 Humpal, Inc. 970-231-0548 ursulaalbers@msn.com www.allcoloradohomes.com
Mtg Services Inc, 794 2nd St, Windsor, $128,000, home • Platinum Lllp from Curtis Ricker, 949 Durum Ct, Windsor, $147,500, home • Thomas Jones from Wells Fargo Bk, 2023 Bayfront Ct, Windsor, $105,000, home • Sean & Elaine Curry from Jeff Combs, 2012 Shoreline Ct, Windsor, $518,800, home • Rhett & Heather Gordon from Cyler Groseth, 1508 Pintail Cv, Windsor, $390,000, home • Resident from Lynn Smothermon, 615 Elm St, Windsor, $140,000, home • Brent Smith from Daniel Spykstra, 1933 Dominica Ct, Windsor, $585,000, home • Rachelle & Tyler Smith from Ernest Crownover, 421 Ventana Way, Windsor, $510,000, home
Regional Snapshot for Loveland/Berthoud Residential
Mortgage rate update 30-year fixed
Berthoud, $161,300, home • Mr. Hoi from Compa, 824 W County Road 10 E, Berthoud, $256,500, home
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.warbergfarmatchapmanreservoir.com
Visit our website at homeandrealtyguide.com Your online and print resource for residential, commercial and land for sale
Saturday Reporter-Herald March 5, 2011 C3
Tips to remove wallpaper turers contend that the latest generation of primers for new drywall accomplishes the same task, I prefer sizing the walls. The sizing can uestion: Our bedroom was be easily washed from the surface rebuilt by the previous for painting. homeowner after a fire Painting contractor David Magawith what I’m guessing is an old rgee, of the venerable Magargee style of wallboard; wallpaper was Bros. in Germantown, Pa., also apthen put directly over that wallplies a coat of clear sizing to the board. I’ve been trying to remove walls before paper. the wallpaper, but it is completely “You should think about the an uphill battle. homeowners who follow you,” he Where the seams were spackled, suggests, quickly adding that his the wallpaper comes off easily firm subcontracts with a wallpaperwhen dampened with water. But removal company to do the dirty on most of the rest of the space, work. the paper might as well be glued First thing in the morning, the to the thin layers of cardboard-like workers put down protection for wallboard. Once the paper is satuthe flooring. Then, using a hand rated and scraping is attempted, pump, they squirt water all over trying to get it off often tears or the walls — yes, just water, no pargouges the surface of the wallboard. Dry scraping works only on ticular temperature. “Then they wait, and after awhile the spackled areas. someone gets up and tests the I’ve used a commercial product to help get the paper off more eas- wall, and if the paper doesn’t come off easily, they spray it again and ily, but it doesn’t make a differwait until it does,” Magargee said. ence in this case. They are so good at this that the The process is so tedious and the paper, glue, and sizing all come results so poor that I can only stand to do a little at a time before off, and they don’t have to wash the walls, he said. I get frustrated and disgusted. Removing wallpaper from plaster The reason for doing it myself rather than trying to hire someone walls is never a problem, he said. is to save money, so I don’t want to When the paper has layers of paint on top of it, it is scored with a call someone in. broad knife to let the water seep I also don’t want to drywall the underneath for easy removal. entire room, which is 19-by-19 If you want to paint over it, and feet, but I’m not getting a since there is no interior oil-based paintable surface. paint anymore, use an acrylic Will the whole room require a thin layer of joint compound to be paint. Zinsser has products that lightly sanded to smooth out all of seal the paper before you paint — one of those is called Shieldz unithe rips and gouges on the paper versal wall-covering primer. surface before I can prime and Make sure you spackle the paint the room? Answer: I have been in your situ- seams before you paint, he said. Otherwise, they can open up and ation several times, and I agree ruin a paint job easily. that removing wallpaper from a For customers with really bad surface that wasn’t sized is a job walls, Magargee uses something and a half and more. Wallpaper sizing is a liquid coat- like an artist’s canvas as a substratum for painting. ing applied to a surface — in effect, you are priming the wall with The canvas is applied to the wall it. Sizing a wall before papering to hide most if not all of the imnot only helps the paper better ad- perfections before his crew begins here to the surface, it facilitates to paint. The canvas comes in 12-, easier removal with fewer nicks 16-, and 20-ounce weights, aland gouges. though he said the 20-ounce material “is getting harder to find.” Although many paint manufac-
H&RE Featured Home Plan
AL HEAVENS MCCLATCHY-TRIBUNE
Q
Gladstone well-suited for family life ASSOCIATED HOME PLANS
P
lenty of natural light washes into the vaulted parlor of the Gladstone, through uniquely stacked windows that face the street. Openly linked gathering spaces form the core of this contemporary cottage home, which is equally well-suited for empty nesters or families with children. Being all on one level (excepting the bonus room over the garage), this plan easily adapts to wheelchair accessibility. After passing under the gentle arch that highlights the porch, you step into a foyer. Arched openings there draw you forward and to the right. A parlor and two bedrooms, each with its own bathroom, fill the right wing. The great room is ahead, and a hallway heads off to the left. First along the hallway is a convenient coat closet; and access to a mud hall with a long bench is next. This is a handy place for shucking off muddy footgear and stowing items out of sight. The mud hall also
provides a direct link to the three-car garage. Past the mud hall, the hallway comes to the kitchen, then continues on to a utility room and the owners’ suite. In the kitchen, cabinets and counters wrap around three sides of a central work island with a flush eating counter fronting the dining area. Windows fill most of the rear walls there. More windows run along the back wall of the great room, next to a gas fire-
place nestled in the corner. Access to a wide covered patio is at the juncture of the Gladstone’s great room and dining area. Amenities in the roomy owners’ suite include a deep walk-through closet and a luxurious bathroom with twin vanities, a deep soaking tub, walk-in shower, and a separately enclosed toilet. 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 Gladstone 30-786 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.
09-325275
saturday PRICE
sunday
LOCATION
ADDRESS
HRS
OFFICE
SW LOVELAND
466 COVE DRIVE
10-1
HARMONY BROKERS 970-282-9488
PHONE
$125,000
SE LOVELAND
1510 PEACOCK PLACE
1-3
THE GROUP, INC.
970-481-9444
From the $140’s*
NW LOVELAND
43RD & WILSON AVENUE THE COTTAGES AT ENCHANTMENT RIDGE
12-5
THE COTTAGE REALTY
970-532-5900
$140’S -$220’S
SE LOVELAND
BOISE VILLAGE NORTH, ¼ MILE SOUTH OF HWY 34 ON N. BOISE AVENUE, 1899 10-6 E. 11TH
MIDTOWN HOMES
970-456-4600
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY
970-532-5900
$179,000
NW LOVELAND
2940 TABERNASH DRIVE
1-3
THE GROUP, INC.
970-222-8549
PRICE
LOCATION
ADDRESS
From the $140’s*
NW LOVELAND
43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE
HRS
OFFICE
PHONE
12-5
THE COTTAGE REALTY
970-532-5900
$140’S -$220’S
SE LOVELAND
BOISE VILLAGE NORTH, ¼ MILE SOUTH OF HWY 34 ON N. BOISE AVENUE, 1899 10-6 E. 11TH
MIDTOWN HOMES
970-456-4600
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY
970-532-5900
$184,702
SE LOVELAND
255 CARINA CIRCLE #104
1-4
THE GROUP, INC.
970-481-9801
$189,900
SW LOVELAND
835 W 7TH STREET
11-1
THE GROUP, INC.
970-962-6832
WINDSOR
620 MOONGLOW DRIVE
1-4
THE GROUP, INC.
970-310-8804
RE/MAX ALLIANCE
970-217-4112
$184,702
SE LOVELAND
255 CARINA CIRCLE #104
1-4
THE GROUP, INC.
970-481-9801
$224,000
$224,000
WINDSOR
620 MOONGLOW DRIVE
1-4
THE GROUP, INC.
970-310-8804
$225,000
NW LOVELAND
2115 KENNEDY AVENUE
1-4
$229,900
NW LOVELAND
2102 FARISITA DRIVE
2-4
THE GROUP, INC.
970-962-6832
$229,900
NW LOVELAND
2102 FARISITA DRIVE
2-4
THE GROUP, INC.
970-962-6832
$232,000
NW LOVELAND
4496 HAYLER AVENUE
12-5
THE COTTAGE REALTY
970-532-5900
970-532-5900
$257,000
WINDSOR
7405 PIMLICO DRIVE
12-5
THE GROUP, INC.
970-443-4047
$257,000
NW LOVELAND
1525 W 29TH STREET
1-3
THE GROUP, INC.
970-689-6950
$279,000
NW LOVELAND
1506 FARMLAND STREET
1-3
THE GROUP, INC.
970-481-1250
$279,000
FORT COLLINS
1808 PRAIRIE RIDGE DRIVE
12-5
THE GROUP, INC.
970-443-9910 970-532-5900 970-679-8084
$298,664
NW LOVELAND
4355 RIDGWAY DRIVE
1-4
THE COTTAGE REALTY
$299,900
NW LOVELAND
1529 DRYLAND STREET
1-3
THE GROUP, INC.
$300,000
SW LOVELAND
3075 6TH STREET SW
11-2
THE GROUP, INC.
970-481-1250
$309,000
NW LOVELAND
1170 CRABAPPLE DRIVE
1-3
RE/MAX ALLIANCE
970-667-1828
$310,000
JOHNSTOWN / MILLIKEN
169 MUSCOVEY LANE
11-1
THE GROUP, INC.
970-215-9658
$314,000
WINDSOR
7407 PIMLICO DRIVE
12-5
THE GROUP, INC.
970-290-8097
$323,400
SW LOVELAND
¼ MILE WEST OF WILSON ON 14TH STREET SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
12-4
GLEN MARKETING
970-663-4522
$329,000
FORT COLLINS
1814 PRAIRIE RIDGE DRIVE
12-5
THE GROUP, INC.
970-222-7110
$339,000
SE LOVELAND
4630 TARRAGON DRIVE
1-4
THE GROUP, INC.
970-217-9874
$232,000
NW LOVELAND
4496 HAYLER AVENUE
12-5
THE COTTAGE REALTY
$257,000
NW LOVELAND
1525 W 29TH STREET
1-3
THE GROUP, INC.
970-689-6950 970-443-4047
$257,000
WINDSOR
7405 PIMLICO DRIVE
12-5
THE GROUP, INC.
$279,000
FORT COLLINS
1808 PRAIRIE RIDGE DRIVE
12-5
THE GROUP, INC.
970-443-9910
$279,000
NW LOVELAND
1506 FARMLAND STREET
1-3
THE GROUP, INC.
970-481-1250
$285,000
SW LOVELAND
493 CLUBHOUSE COURT
1-3
THE GROUP, INC.
970-402-9100
4355 RIDGWAY DRIVE
1-4
THE COTTAGE REALTY
970-532-5900
$298,664
NW LOVELAND
$299,900
NW LOVELAND
1529 DRYLAND STREET
1-3
THE GROUP, INC.
970-679-8084
$300,000
SW LOVELAND
3075 6TH STREET SW
11-2
THE GROUP, INC.
970-481-1250
$314,000
WINDSOR
7407 PIMLICO DRIVE
12-5
THE GROUP, INC.
970-290-8097
$323,400
SW LOVELAND
¼ MILE WEST OF WILSON ON 14TH ST SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
12-4
GLEN MARKETING
970-663-4522
$329,000
FORT COLLINS
1814 PRAIRIE RIDGE DRIVE
12-5
THE GROUP, INC.
970-222-7110
$339,000
SE LOVELAND
4630 TARRAGON DRIVE
1-4
THE GROUP, INC.
970-217-9874
$365,000
SE LOVELAND
4743 SORREL LANE
1-4
THE GROUP, INC.
970-690-6011
$389,000
NW LOVELAND
6545 CLEARWATER DRIVE
11-1
THE GROUP, INC.
970-391-4735
$340,000
NW LOVELAND
2229 WOODY CREEK CIRCLE
12-2
RE/MAX ALLIANCE
970-213-3603
$389,750
SW LOVELAND
975 PRISM CACTUS CIRCLE
12-4
GLEN MARKETING
970-663-4522
$365,000
SE LOVELAND
4743 SORREL LANE
1-4
THE GROUP, INC.
970-690-6011
$425,000
SW LOVELAND
535 MARCELLINA DRIVE
1:30-3:30
THE GROUP, INC.
970-679-8265
$389,750
SW LOVELAND
975 PRISM CACTUS CIRCLE
12-4
GLEN MARKETING
970-663-4522
$440,000
NW LOVELAND
1600 SUNNYSIDE DRIVE
1-3
THE GROUP, INC.
970-690-9459
$498,000
SW LOVELAND
3020 BLUE MOUNTAIN COURT
2-4
THE GROUP, INC.
970-391-4735
$425,000
SW LOVELAND
535 MARCELLINA DRIVE
1:30-3:30
THE GROUP, INC.
970-679-8265
$499,000
NW LOVELAND
2096 VISTA DRIVE
1-3
THE GROUP, INC.
970-481-1250
$499,000
NW LOVELAND
2096 VISTA DRIVE
1-3
THE GROUP, INC.
970-481-1250
$589,000
FORT COLLINS
1102 WOODS LANDING DRIVE
12-3
THE GROUP, INC.
970-481-1250
$589,000
FORT COLLINS
1102 WOODS LANDING DRIVE
12-3
THE GROUP, INC.
970-481-1250
$895,000
SW LOVELAND
288 RESERVOIR DRIVE
1-4
PREMIER LIFESTYLE
970-481-5512
$895,000
SW LOVELAND
288 RESERVOIR DRIVE
1-4
PREMIER LIFESTYLE
970-481-5512
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 March 5, 2011 C4
Glink
credit history, credit problems, too much debt or other credit, income or debt issues that could derail your application with any lender, you’ll From Page E1 have a real problem refinancing your loan. it accounts. It doesn’t sound right In some cases when property valto me. ues have declined, people with good You should abandon this lender credit have trouble refinancing. and talk (but don’t apply) with at Lenders want to see borrowers have least one other mortgage lender, a certain amount of equity in a mortgage broker and a credit home, a limited amount of debt and union, if you are a member of one. a certain level of income. If the If you talk to some of these lenders, amount of equity in a home is low, you might get a better understand- they will want to see a greater ing as to whether the issues you amount of income or a lower faced with your current lender are amount of debt. You may have fallen real or they just don’t want your into this trap. However, if this is the business. case, they should have told you of that issue months ago. I’m assuming that nothing in your life has really changed during The only wrinkle here is if you the last five months and your cursimply don’t have any equity in your rent lender could have told you of property. But if you bought in 1997, issues you might face in your loan you should have paid down quite a application. There are times that lot of your loan. I’m hoping you certain issues arise that can cause have enough equity to qualify for a problems, but you should be made standard 80 percent mortgage. aware of these issues within a couThis is why it would be wise for ple of weeks of applying, perhaps you to talk to some other lenders. two months. But it should never Get a copy of your credit report and take a lender five months to get a copy of the appraisal of your home back to you and tell you there is a from your current lender and take major issue with your application. it along with all of your other docuCertainly, if you had failed to coments to a different lender. Have operate with the lender and get them go over the information and them the information they need, tell you whether you are a good canyou are to blame. But if you have didate for refinancing. given them all the information Don’t apply with these other promptly, the lender is to blame for lenders. As you the wacky turn of events with your previously apapplication. The process seems to plied with a have been mismanaged. lender, they Having said that, if there are ma- pulled a copy of jor issues that affect your loan apyour credit replication, you should determine port. If you now what those issues are. If the issue is pull another something that only this lender copy, your credit would care about, you should have score will take a better luck with another lender. But small hit. And if your issue has to do with your you don’t need
that hit unless you know that you plan to apply with another lender for a loan. Question: I was surprised that you did not suggest that the 67year-old man wishing to sell his rental property — which he owns free and clear — sell it as an installment sale. From what I have read of his situation, this would minimize (if not obviate) his potential income tax liability. My wife and I, both retired, have done this with the rental we no longer wished to own and maintain. Even though she and I are no longer real estate investors, we do love your columns. Answer: The question you’re referring to was about avoiding paying any taxes on the sale of property. You’re right: The reader could sell the property on an installment sale basis, but if he used an installment sale, he would pay taxes on the money he receives. While in that case his tax burden might be lower, he would also have the ongoing issue of not knowing whether his buyer will make his or her payments; there would be a risk that he would have to take the property back. Still, an installment sale would have lowered the tax liability on a per-year basis but not eliminate it entirely. Thanks for your suggestion and for the kind words.
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
MCS photo
Top 10 dream home features 4. Solar panels in the roof to generate a personal energy source. 5. A large, designer kitchen with f you were given a chance to design natural stone countertops and futurisa dream home, what features tic appliances, cabinetry and waterwould you choose first? works. Take a look at the most popular wish 6. Natural hardwood flooring like list in 2011 from Nudura, a leading Brazilian cherry and sustainable bamfirm in building technology: boo. 1. Curb appeal. Home exterior, driveway, and landscaping must attract 7. A sunroom, a front porch, and a admiring attention. backyard finished patio. 2. Concrete and natural stone, 8. Vessel sinks, or freestanding bowls rather than wood framing and brick. above the bathroom countertop, acThese homes are not only beautiful, companied by wall-mounted faucets. they are stronger, more sound resis9. Bedroom walk out or balcony. tant, and far more energy efficient 10. Designer bathtubs and walk-in than wood frames and brick. shower with marble tile, a seating 3. Maximum energy efficient bench and rainfall showerhead. throughout from top to bottom.
METRO CREATIVE SERVICES
I
Open Houses This Weekend - www.thegroupinc.com NEW LISTING
FANTASTIC OPPORTUNITY!
SATURDAY 1:00-3:00
SATURDAY 1:00-3:00
FRIDAY-SUNDAY 1:00-4:00
SUNDAY 11:00-1:00
1510 Peacock Pl. Loveland Well cared for end unit in Arbor Meadows! 3 spacious beds, large kitchen w/ pantry, fenced rear yard that sides & backs to greenbelt w/ views. Beautiful deck, 1 car attached garage. Close to Winona Elem., Osborn Park & pool.
2940 Tabernash Drive, Loveland 2645 sf end unit townhome w/mountain views. Subdivision includes pool, trails, parks & is located near shopping & I-25. 2bdrms, 2baths, loft, study & 2car garage. Tile entry & laundry. Wood floors in kitchen. 2-sided fireplace. Large master w/5-piece bath and his & her closets.
255 Carina Circle #104, Loveland Granite counters, SS appl, wood flrs, vaulted ceilings, fireplace & full bsmts. They are going fast! HOA covers water, sewer, trash, exterior maintenance & insurance, landscape & snow removal, cable, clubhouse, pool & hot tub.
835 W 7th Street, Loveland Quaint, cozy bungalow. New vinyl windows & siding. Wood floors & coved ceilings on main level. Finished bsmt w/bedroom, family room, office & craft room/ workshop. A gardener’s paradise w/water feature, xeriscape landscaping, gazebo, garden shed & garden area. Alley access w/double gate for RV.
$125,000
$179,000
$184,702
$189,900
MLS# 648788
MLS# 648788
MLS# 645344
MLS# 639565
Call Doug Miller
Call Dianne Breneman
Call Georgena Arnett
Call Cindy Kurtz
481-9444
222-8549
481-9801
962-6832
NEW LISTING
NEW HOMES!
FRIDAY - SUNDAY 1:00-4:00 620 Moonglow Drive, Windsor New Homes starting in the $190,000s! Ranch & 2-story plans. Personalize your home from framing to finish! Front landscaping with sprinkler is included. Miles of bike trails, open space & parks. Call for your personalized showing today.
SATURDAY & SUNDAY 2:00-4:00
SATURDAY & SUNDAY 12:00-5:00
SATURDAY & SUNDAY 1:00-3:00
SATURDAY & SUNDAY 12:00-5:00
2102 Farisita Drive, Loveland All brick custom home. Over 2,000 sf on one level. New carpet throughout. Solid wood 6-panel doors. Pella windows, Jenn-aire range, oversized garage, clean hot water heat, full rock fireplace. Spacious corner lot. Light & bright southern exposure w/views of Rist Benson Lake.
7405 Pimlico Drive, Windsor Brand new, beautiful 3 bedroom, 2 1/2 bath home with loft, 2 car garage, covered patio and basement on oversized lot backing to open space. Our homes offer incredible value with high quality and energy efficiency in a serene setting. Ask about our builder incentives. Prices starting at $235,000.
1525 W 29th Street, Loveland Charm and pride of ownership welcome you into this Country French home located in prestigious Country Club within walking distance to schools, shopping and Benson Sculpture Park. The home has a new furnace and attic insulation. Newer siding, roof, driveway and garage floor. This 4 bedroom, 3 bath home has had 2 owners. Just needs your personal touches. Come enjoy all this home has to offer.
1808 Prairie Ridge Drive, Fort Collins New Construction. Beautiful 2 story in scenic Harmony Ridge! Granite, hardwood, stainless steel appliances and more! More time to relax – yard maintenance year around included. Oversize 2 car garage, front porch, stone exterior. March 2011 move-in. Lots available to build. Starting at $279,000.
$224,000
$229,900
$257,000
$257,000
$279,000
MLS# 648489
MLS# 634231
MLS# 640398
MLS#
MLS# 646094
Call Kelli Couch
Call Cindy Kurtz
Call Carole Newberry
Call Kim Summitt
Call Matt Thompson
962-6832
443-4047
689-6950
443-9910
310-8804 TAFT FARMS
SATURDAY & SUNDAY 1:00-3:00 1506 Farmland Street, Loveland 4bd, 3ba, ranch style home w/ oversized 2 car garage. Open floor plan, great room, large kitchen w/ wrap-around breakfast bar, master suite, a/c, fireplace, tile entry, wood floors, Low E windows, new carpet & more! Covered porch, sprinklers. Bedroom & bath in partially finished bsmt. Great location, only 10 minutes to Ft Collins.
NEW LISTING
IMMACULATE HOME!
SUNDAY 1:00-3:00
SATURDAY & SUNDAY 1:00-3:00
SATURDAY & SUNDAY 11:00-2:00
SATURDAY 11:00-1:00
493 Clubhouse Court, Loveland Walk to Mariana Butte Golf Course & Clubhouse. Neighborhood offers walking, biking & golfing. Main level living. Guest areas in both the upper and lower levels. Concrete tile roof, stucco exterior w/Trex on the front & back decks. HOA takes care of snow removal & lawn care. Maintenance-free living!
1529 Dryland Street, Loveland Brand new ranch style home built in Taft Farms by Keirns Construction. 3 bedrooms, 2 baths and a 3 car garage. Several other plans and lots to choose from. Call for details.
3075 6th Street SW, Loveland Completely remodeled home with all the bells and whistles: 3 bed 3 bath 3 car gar with all NEW: Granite, Stainless Steel appliances, high-end light fixtures, interior & exterior paint, hardware, 50 gallon water heater, wood floors, tile backsplash, tile fireplace, tile master suite w/5-pc bath & large walk-in closet.
169 Muscovey Lane, Johnstown This home is immaculate! 3 bedrooms plus a study, 3 baths, 3975 sq. ft.! New paint, wood floors, comfortably roomy living areas, breakfast nook with work station, separate dining room, large kitchen, plus an office and a loft! 3-car garage!
$279,000
$285,000
$299,900
$300,000
$310,000
MLS# 644880
MLS# 641674
MLS# 624979
MLS# 648634
MLS# 646591
Call John Simmons
Call Denise Kloster
Call Stephanie Kirkland or Mark Moran
Call John Simmons
Call Lee Cord
402-9100
679-8084 or 218-1891
970-481-1250
215-9658
481-1250
SATURDAY & SUNDAY 12:00-5:00 7407 Pimlico Drive, Windsor Brand new 4 bedroom, 3 bath, 3 car garage on 8000 sq ft open space lot. 2549 finished sq. ft. Granite kitchen, hardwood floors, lots of extras. $314,000. Ask about our great builder incentives! Other plans available starting at $235,000.
SATURDAY & SUNDAY 12:00-5:00
TUESDAY - SUNDAY 1:00-4:00
SATURDAY & SUNDAY 1:00-4:00
SATURDAY 11:00-1:00
1814 Prairie Ridge Drive, Fort Collins Brand new 2 story in scenic Harmony Ridge. Main floor master. Granite, hardwood, stainless steel appliances and more! More time to relax – includes year around yard maintenance. Front porch, stone exterior. March 2011 move-in. Lots available to build starting at $279,000.
4630 Tarragon Drive, Loveland NEW PATIO HOME MODEL IN THOMPSON CROSSING. Choice of 6 ranch plans, 3-car garage options, garden level lots, views, low HOA dues. Convenient location, yet tucked away. Enjoy the million $ sculpture walk, trail & easy access to I-25. Low maintenance living at its best!
4743 Sorrel Lane, Loveland AVAILABLE NOW! Ranch plan backs to 100 ft of greenbelt space with evergreen trees. This 2 bdrm home with main flr study is built with 2x6 walls, 92% eff furnace & features granite kitchen counters, SS gas range, walkin pantry, 5 pc mstr bath, 3 car gar, covered patio & more!
6545 Clearwater Drive, Loveland Private Boyd Lake access. Ranch style home w/finished bsmt. Large kitchen w/granite counters, ss appliances, gas range & hardwood floor. Master suite w/double closets. Family room fireplace. Basement finish includes rec room, wet bar, fireplace, 2 large bedrooms, full bath, office & craft room.
$314,000
$329,000
$339,000
$365,000
$389,000
MLS# 640727
MLS# 646093
MLS# 645384
MLS# 640372
MLS# 629669
Call Kristen Specketer
Call Troy Hiebsch
Call Becky Vasos
Call Kathy Albertz
Call Cindy Kutin
222-7110
970-217-9874
970-690-6011
391-4735
290-8097
SATURDAY & SUNDAY 1:30-3:30 535 Marcellina Drive, Loveland Located on private lot in Mariana Glen. 2-story w/upgrades galore! New paint inside & out. Kitchen w/granite counters & island, ss appliances, eating area that accesses a covered patio & backyard. Main level bedroom/study & utility area. 4 bdrms on upper level plus upgraded mstr bath & full bath. 3 car garage.
SATURDAY 1:00-3:00
SATURDAY 2:00-4:00
SATURDAY & SUNDAY 1:00-3:00
SATURDAY & SUNDAY 12:00-3:00
1600 Sunnyside Drive, Loveland Walk-out ranch style which is a unique retreat w/4 bedrooms, 4 baths & a 7 car garage! New carpet & wood flooring. 2x6 walls, hot water heat & wood windows. Large walk-in pantry. Huge garage plus extra parking for boats or motor home. Additional outbuilding, attached greenhouse & huge east side deck.
3020 Blue Mountain Court, Loveland Enjoy views & wildlife from the deck of this 2 story home on .99 acres. Updated w/ slab granite counters in kitchen & mstr bath. Thermador gas range, spacious rooms, multiple windows, finished walkout basement, new tile roof. Neighborhood pool & tennis courts & minutes to 4 lakes for fishing, boating & hiking!
2096 Vista Drive, Loveland Custom home with incredible quality & style. Located on The Ole Course at Loveland. Secluded back patio. Kitchen w/granite countertops, large island, 5-burner gas range & double ovens. Main floor office, formal dining & living room. Heated shop & driveway. Mature yard. Updated a few years ago.
1102 Woods Landing Drive, Fort Collins Custom built ranch w/5 large bdrms & 3 baths on .5 acre. $65k in landscaping: stamped concrete, water feature, shed, walk-ways, sprinklers, drip system, fenced yard. Gourmet kitchen w/slab granite counters, 42” knotty alder cabinets, walk-in pantry & ss appliances. Finished bsmt w/wet bar, pool table & rec area.
$425,00
$440,000
$498,000
$499,000
$589,000
MLS# 648474
MLS# 643286
MLS# 648274
MLS# 644585
MLS# 643343
Call Don A. Riedel
Call Miki Roth
Call Cindy Kutin
Call Bob Skillman
Call John Simmons or Jesse Laner
690-9459
391-4735
481-1250
481-1250 or 672-7212
679-8265
Saturday Reporter-Herald March 5, 2011 C5
H&RE Real Estate
H&RE National Real Estate
NAR bus tour opens home ownership dialogue
Pending home sales in U.S. decline
T
P
NEW NORTHERN COLORADO HOMES N
1
W
E S
$
3,000 Buyer Credit $
90
9,
16
25
0
gage availability could affect their ability to buy, sell and own a home. Attendees can also register to win prizes hroughout this month, conworth up to $2,500. sumers across the country can Other major stops on the tour inengage Realtors, local officials, clude Denver on March 19 and Portand their neighbors on an issue that land, Ore., on March 26, with additionliterally hits close to home — home al stops in cities along the way. Ongoownership — as the National Associaing news and information for the tour tion of Realtors kicks off a month-long will be posted on HouseLogic at Home Ownership Matters Bus Tour in www.houselogic.com/bus. HouseLogic cities across the nation. is a free source of information from “Americans today are debating what NAR that helps home owners maintain and enhance the value of their homes home ownership means to their famiand engage in issues that affect their lies, communities and the nation as a local communities. whole,� said NAR President Ron Phipps, broker-president of Phipps Re“Issues like the mortgage interest alty in Warwick, R.I. “We want to endeduction, foreclosures and short gage in that dialogue directly with peo- sales, affordable financing and availple in their own communities. This bus able credit don’t just affect people who tour gives us a chance to interact and own a home — home ownership communicate directly with consumers shapes communities and strengthens about what housing issues matter the nation’s economy, as well,� said most to them.� Phipps. “Behind every home purchase, The first stop on the tour is in Chica- sale and foreclosure is a human face, go on March 5, where the bus will visit and we hope this bus tour will give a the Chicago Flower & Garden show at voice to those personal experiences.� The National Association of Realtors, the Navy Pier outside Festival Hall B “The Voice for Real Estate,� is Amerifrom 10 a.m. until 1 p.m. CST. NAR ca’s largest trade association, reprePresident-elect Moe Veissi will join insenting 1.1 million members involved vited local officials to speak with in all aspects of the residential and Chicagoans, who can also learn about commercial real estate industries. how issues like tax reform and mort-
NATIONAL ASSOCIATION OF REALTORS
tracts and not closings, which normally occur with a lag time of one or two months. Lawrence Yun, NAR chief economist, points to ending home sales eased moderately in Janthe broader trend. “The housing market is healing uary for the second straight month, but rewith sales fluctuating at times, depending on the main 20.6 percent above the cyclical low last flow of distressed properties coming on the marJune, according to the National Association of Reket,� he said. altors. “While home buyers over the past two years have The Pending Home Sales Index, a forward-looking been exceptionally successful with historically low indicator, declined 2.8 percent to 88.9 based on default rates, there is still an elevated level of shadcontracts signed in January from a downwardly re- ow inventory of distressed homes from past lending vised 91.5 in December. The index is 1.5 percent mistakes that need to go through the system,� Yun below the 90.3 level in January 2010 when a tax said. “We should not expect the recovery to be in a credit stimulus was in place. The data reflects con- straight upward path — it will zig-zag at times.�
NATIONAL ASSOCIATION OF REALTORS
Homes priced from the $150’s - $230’s $
9,
17
2,072 SF 3 Bd, 2 Ba Ranch
0
H&RE Do it Yourself
90
Models Open Daily 10am-6pm
1775 SF 4 Bd,3 Ba Tri-Level 09-324947
BOISE AVE
E 11TH ST
DENVER AVE
HWY 34
1
970-456-4600
1/4 mi. So. of Hwy 34 on Boise Ave. - 1899 East 11th Street
www.newmidtownhomes.com
Photo courtesy stock.xchng
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glued down with caulk to prevent this. Vinyl siding that is installed too tightly can develop ripples and/or sagging. However, your vinyl siding should fit uestion: I started trying to reinto metal or vinyl channels around move the cracked, discolored windows and doors. These channels imtile grout in my shower, using a hand tool, and feel it will take at least prove the appearance of the siding and 20 years to get it all out. Is there a bet- allow it to move slightly. I know of no reason why you canâ&#x20AC;&#x2122;t caulk the joint ter way? â&#x20AC;&#x201D; E. Bartlett between the channels and window and Answer: You can speed up the job by door frames, which is where air infiltrausing a small, hand-held power device tion and heat loss would occur anyway. called a rotary tool, but it must be Just donâ&#x20AC;&#x2122;t caulk inside the channels equipped with a special grout-removal where the ends of the siding fit. bit. Rotary tools essentially contain a uestion: We live in an 80-yearmotor that spins a variety of bits and old building with cast-iron raaccessories at high speed. Both corded diators. The radiators have and battery-powered models are availbeen painted many times; most recentable. The tools are often sold in kits ly with acrylic-latex paint. The paint with a lot of bits to drill, saw and grind, was applied when the radiators were but the grout bit is seldom included. cold and after the surface was scraped Manufacturers of the tools include and cleaned. Now the paint is peeling Dremel, Craftsman (Sears and Kmart), again. What can we do to prevent this? and Ryobi. Some tools are priced at â&#x20AC;&#x201D; F. Heim less than $100, and the grout bit at Answer: If you want to have a firstabout $20 to $40 more. The cost is class, lasting paint job, you will have to still a lot less than having the grout rego to a considerable amount of troumoved professionally. You can check ble. Wait till the heating season is over prices for the tools and bit at home and the boiler is turned off, then discenters or on the internet, using a connect the radiators and take them search engine and the words Rotary outside. All the old paint should be reTools and Grout Removal Bits for Rotary Tools. Even if you use a power tool, moved. The best way to do this is to sandblast the radiators. This takes speyou will still have to switch to your cial equipment and you should hire a hand tool (a small grout saw works best) to clean out hard-to-access areas. professional painter to do it. Next, remove all dust from the metal with a Enough old grout should be removed vacuum or compressor air gun. The to expose the unfinished edges of the metal should then be primed with a tiles. Donâ&#x20AC;&#x2122;t forget to spread a plastic rust-resistant primer. You can apply sheet over the floor of the shower (or this with a brush, but it is very tedious bathtub, if a tub wall is being cleaned) work. A sprayer is much faster and to keep bits of grout from getting in neater, so buy or rent an airless sprayer the drain. An alternative that I would or use aerosol primer. When the seriously consider is to just cover up primer is dry, spray on one or two the old tiles with a fiberglass surround. coats of enamel. Acrylic enamel works These surrounds, also available for fine if the radiators have been properly tubs, are attractive, durable and easy prepared. There is an option for those to keep clean, and the total price is who want to save time and effort â&#x20AC;&#x201D; raquite reasonable, especially when a dodiator covers (also called radiator enit-yourself installation is made. Some closures). These generally have to be surrounds have built-in shelves for soap custom made to fit your specific radiaand accessories. tors, and they are available made of uestion: I own a property with metal or wood. You can find sources on the internet by using a search engine vinyl siding that was never caulked around the windows. I and the words Custom Radiator Covers. was going to caulk them and was told never to caulk vinyl siding. Can you Questions and comments should be shed some light on this? â&#x20AC;&#x201D; B. Segel e-mailed to Gene Austin at Answer: Vinyl siding needs to be able gaus17@aol.com. Send regular mail for Gene Austin to 1730 Blue Bell Pike, to expand and contract with temperaBlue Bell, PA 19422. ture changes, and it should not be
GENE AUSTIN MCCLATCHY-TRIBUNE
Saturday Reporter-Herald March 5, 2011 C6
H&RE Front Range Gardening
The
Tree Game Take notice: tree planting season has arrived CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY
I
t is my belief that the game of slug bug is far too easy. Many people play this game, where you punch someone on the arm or leg and yell “slug bug!” every time you see a Volkswagen beetle. It’s popular with my family, since the fellows in my house love cars and I’m an easy mark to play with. You see, I’m terrible at it, because I rarely look at cars. I look at trees. And after spending time riding around getting pummeled (albeit gently) whenever the guys see a dome-shaped German car, I long for the day that we play this with trees, so I can scream “Austrian pine!” or “Mugo!” and indulge in a little payback. My family viewed this suggestion with disdain, because they’re slug bug purists and resist any attempt to change the game with new items to spot. But I think it’s a capital idea, one that can be easy to do by spotting over-planted ash or honeylocust, or difficult, by limiting the targets to rarities, like Bosnian pines. Gardeners should love this
game and, with tree planting time upon us, you can help those of us playing this new game by popping in a unique tree to stump the players. If you’re planning to add a tree this spring, follow this step by step advice: If you’ve never planted a tree, keep in mind that they must be planted as correctly as possible. Planted too low or too high, and the tree suffers, unable to root out enough to support their 100-plus-year lifespan. Planting depth is crucial to the success of the tree; the goal is to have the trunk flare at the soil surface. Measure the height of the root ball to determine the depth for the planting hole, which should be one to two-inches shorter than the root ball. Then find the topmost major root that branches from the trunk by gently brushing away soil from the top of the root ball. The depth of the hole should allow this root to sit one to two inches above the soil line. Dig a saucer-shaped planting hole, making sure it is threetimes as wide as the width of the root ball. Straight sides are a no-no, limiting root expansion, so to get your tree off to a fast start by sloping the sides of the hole. Keep the soil you remove nearby to use in backfilling the planting hole once the tree is placed in it. Remove tree from container, clip any girdling roots, score the root ball, then set tree in place. The “knees” of the root
Planted too low or too high, and the tree suffers, unable to root out enough to support their 100-plus-year lifespan.
Photos courtesy stock.xchng
Close cropping is an easy way to gain garden space Photo courtesy stock.xchng ball — the top edge of the soil where the first major root lies — must be about two inches above the planting hole. If your tree has a dogleg from grafting (a curve in the trunk just above the graft), turn the root ball so the inside curve faces north. This helps that sensitive spot avoid sunscald. Pack soil around lower third of root ball to help stabilize it, then backfill the rest of the hole with soil removed at digging. There’s no need for mixing the soil with amendments, which can change the texture of the soil, creating a risk for the roots from girdling or water logging. When the hole is halffull of soil, water it to settle the soil around the root ball. Fill in the rest of the Front planting hole,
water it again, and then mulch the tree. Looking for recommendations on great trees? Join Louisville’s Horticulture and Forestry Advisory Board for an evening of tree recommendations by Jim Ord , from J. Frank Schmidt & Co., and Chris Lichty, Louisville City Forester, Thursday, March 31, 6:30 p.m. at the Louisville Public Library, 951 Spruce St. They’ll discuss fruit trees and under- or over-utilized trees along the Front Range. Donations benefit the Friends of the Louisville Arboretum.
Carol O’Meara is with CSU Extension in Boulder County. Contact her at 303-678-6238 or comeara@co .boulder.co.us.
Range Gardening
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ardeners react no differently than anyone else when times are tough: They tighten spending and try to squeeze more from their budgets. Some turn to close cropping — crowding plants as a cheap and easy way to maximize yields from minimal space. Placing garden plants shoulder-to-shoulder is not a new idea. Native Americans are credited with introducing the “Three Sisters” concept, in which corn, beans and squash were planted alongside one another. The nitrogen-rich climbing beans used the corn stalks for structure, while the ground-hugging squash smothered weeds and reduced soil evaporation. The result: three interdependent and eminently edible crops produced from the same ground. If done right, massing plants in their growing beds is also an efficient way for urban gardeners to make the most of patios or decks, balconies or fire escapes. “Many gardeners find themselves in a situation of wanting to grow either more produce in the same amount of space, or grow similar amounts in a reduced area,” said Ben Sturtevant, a marketing specialist with Johnny’s Selected Seeds in Winslow, Maine. “This leads to finding ways to change methods or use new methods of production.” Traditional single-row spacing varies, but smaller crops like radishes, leaf lettuces and beets usually are assigned about a foot between the rows, Sturtevant said. Larger plants, including beans, cabbage and broccoli, generally are given two-to-three feet. Garden beds can be compressed, however, if managed properly. That includes letting enough air flow around the plants to prevent mildew, Sturtevant said. It also means using rich soil, said Derek Fell, author of more than 100 garden publications. “If you have a lot of nutrition in the soil, then a lot of plants won’t mind being crowded,” he said. Rather than planting in single rows, plant in square or diamond patterns, Fell suggested. “That’s used extensively in places like Britain where you have space limitations. You can get an amazing amount of production from tight planting.” Here are some space-saving variations:
GROW VERTICAL “Cucumbers, some squashes, melons and tomatoes can be trellised very nicely,” Sturtevant said.
SUCCESSION PLANTING Get a new crop into the ground as soon as the cool-season crop has been harvested. Replace lettuce, radishes and peas with something like beans, beets and turnips.
INTER-PLANTING
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Grow vegetables having different maturity dates side by side. A typical pairing might be radishes, which are fast maturing, with carrots, which take longer. Space also can be gained by planting a massed row of leaf lettuce between two rows of tomatoes. The lettuce can be eaten before the tomatoes grow tall enough to shade them out.
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“A sure way to grow in a limited amount of space,” Sturtevant said. “Specific (plant) varieties are now being developed for this specialized environment. Select “bush” or dwarf plants, which don’t take as much space or compete as vigorously for soil ingredients. “Shop around for ’kit gardens,’ or comparable plant varieties that are made into salads, pizza fixings or herbal teas and seasonings,” said Linda Chalker-Scott, an urban horticulturist with Washington State University’s Puyallup Research and Extension Center. “They’re also a neat way to introduce gardening to the entire family, especially children.”