Saturday Reporter-Herald April 23, 2011 E1 E1 ....
Real Estate Matters
www.homeandrealtyguide.com • Saturday, April 23, 2011 • Reporter-Herald
HUD drops harsh rule on reverse mor tgages
Guaranteed
energy bills
Oakwood Homes announces new program that will save you money
ILYCE GLINK TRIBUNE MEDIA SERVICES
T
he Department of Housing and Urban Development (HUD) has thrown out a rule it put in effect in 2008 for reverse mortgages that was causing grief for some homeowners and heirs. Reverse mortgages are loans available to seniors aged 62 or older who have equity in their homes. The loan makes cash or a line of credit available to the homeowner based on the equity in the property and homeowner’s age. Seniors have been warming to reverse mortgages because their obligation to repay the loan is deferred until they die, sell the home or move out. Prior to the 2008 rule change, the general practice stipulated that surviving spouses, who may have been removed from the title in order for the elder partner to qualify for the reverse mortgage, could purchase the home for 95 percent of the property’s market value. But at the close of 2008 — which Jean Constantine-Davis, a senior attorney with the AARP Foundation, characterizes as “uniquely bad timing because the real estate market had plummeted and was continuing to plummet” — HUD issued a letter that changed the game. In it, policy was amended to require that an heir pay the full mortgage balance to remain in the home, even if it exceeded the value of the property. As Constantine-Davis noted, “It put most of the (reverse) mortgages underwater immediately.” In March, the AARP Foundation filed a formal challenge to the rule. Last week, HUD, perhaps realizing that the increased attention garnered by reports of widespread foreclosures on seniors was bad public relations, proactively headed off foreclosure proceedings against the plaintiffs, and by extension, thousands of others. Constantine-Davis asserts that the AARP will do its part to help HUD spread the word. “These foreclosures should be stopped,” she said. “HUD issued a letter to the servicers, and the onus is on them to communicate with the homeowners. We’re still working with HUD to ensure the word gets out. There’s no question that people who are being foreclosed on now, and about to be evicted, will be helped by this.” The reversal of the 2008 rule only addresses part of the original lawsuit, but AARP’s legal team has reason for optimism. The other half of the equation is a Home Equity Conversion Mortgage program statute that specifies that if the borrower (or estate) does not pay the balance when due, the mortgagee’s remedy is limited to foreclosure. However, in light of last week’s capitulation, Constantine-Davis believes momentum is on the people’s side. “I don’t know what steps HUD is going to take from here,” she said. “They have filed a motion to dismiss the case. HUD may issue a new rule altogether. This could be good news for heirs.”
expenses such as bills, gas and food. With constant changing gas prices and othow great would it be er everyday expenditures, to know exactly how it’s comforting to know premuch your energy cisely what your energy bill bill would be each month? will be each month,” said No more waiting to see how Dwayne Montoya, Commumuch your next energy bill nity Manager at Thompson is going to set you back or River Ranch. “We’re not even having to worry about changing the way we build energy consumption at homes at all; we’re just conall. Oakwood Homes is fident that every home we providing just that in their build is at the same high enThompson River Ranch ergy efficient level so we can community ... peace of mind evaluate how much energy it with your home’s energy takes to live comfortably in usage. They have just aneach different size home nounced their Guaranteed and add this extra guarantee Energy Bill Program which for our homebuyers to prove does exactly what it says: it.” What if your energy bill guarantees the energy bill is higher than the pre-calcuon your new home for two lated amount? Oakwood years that it will not exceed Homes will reimburse 100 the pre-determined amount percent of the cost differcalculated. ence so you really won’t be “Everyone has fixed paying more than you had
PAID ADVERTORIAL
H
The blower door test ensures conditioned air stays inside; one of the three independent tests.
Photos courtesy Oakwood Homes
Mastic sealed air-tight ducts are well sealed to prevent duct leakage. anticipated. It guarantees peace of mind in at least one of your bills. Oakwood Homes is an Energy Star partner as well as having 100 percent of their homes tested by an independent 3rd party for energy performance. These 3rd party evaluations ensure every home exceeds standards and these tests allow Oakwood to calculate what your energy bills will be even before the home is built. Each home is taken through three tests to measure energy performance: blower door, duct leakage and air-flow tests. These help measure and guarantee that each home is well sealed and no energy is wasted in mak-
“With constant changing gas prices and other everyday expenditures,
it’s comforting to know precisely what your energy bill will be each month.” — Dwayne Montoya, Community Manager, Thompson River Ranch. ing the entire home comfortable with safe, clean air. Following the phrase “you get what you inspect, not what you expect,” they allow homebuyers to expect the highest quality since they prove it with every inspection. Being an Energy Star builder, Oakwood builds homes that not only provide you with guaranteed savings, but ensure you will have a more comfortable home, higher resale value through the energy features and reduces the impact on the environment. Tour Thompson River
Ranch this weekend from 10 a.m.-6 p.m. or stop by the sales office through Sunday, May 1, and enter to win a $100 gift card. To find out more about Oakwood’s Guaranteed Energy Bills, contact Mike Welty or Dwayne Montoya at 970-663-6428 with any questions. You can also view video tours of their quick move-in homes through YouTube.com by searching “OakwoodHomesCO.” Visit www.OakwoodHomesCO .com for additional information or to customize your own home in Thompson River Ranch.
Each Oakwood Home comes with a high performance furnace and water heater with PEX piping and drape insulated basement walls.
Take a video tour of quick move-in homes: • Search for “OakwoodHomesCo” at YouTube.com
I See GLINK/Page E3
Inside this week’s Home & Real Estate
Real Estate Transactions
Loveland Historic Homes Tour Six homes, cemetery to be included in this year’s tour
Page E2
Carol O’Meara:
Director y
Listings from Front Range properties recently sold
Garden in a Box kits tough enough for Colorado
Page E2
Page E3
Page E4
E2
Saturday Reporter-Herald April 23, 2011
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Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald.
Mortgage rate update This week Last week Trend
30-year fixed
4.78%
4.85%
15-year fixed
4.00%
4.06%
3.32%
3.44%
5/1 ARM
Regional Snapshot for Loveland/Berthoud Residential February
March
Active Listings Previous Year Active Listings
855 941
881 1042
960 1042
Sold Listings
74
79
105
$240,000 $195,000
$207,439 $192,500
Median Sales Price Previous Year Median
DISPLAY ADVERTISING 669-5050
For home and real estate advice, features and information, visit www.homeandrealtyguide.com
January
Average Days on the Market Previous Year ADOM
CLASSIFIED ADVERTISING 635-3650
Year to Date Listings Sold Previous Year YTD Listing Sold
$206,025 $234,500
130 133
128 128
123 126
74 57
153 137
258 263
Loveland Historic Homes Tour set for May 7 The Loveland Historical Society is once again presenting its Loveland Historic Homes Tour from 10 a.m.-2 p.m. on May 7. Explore Loveland’s heritage by visiting six historic sites and the Medina Cemetery. Tickets are $12 in advance and $15 on May 7, and are available at Loveland Museum/Gallery, City News and Anthology Book Store. The homes on the tour are as follows: • 130 N. Grant Ave. — Jennings House Current owners: Brett Johnson and Megumi Azekawa Built: ca. 1903 Architectural style: Hipped roof vernacular box • 536 E. 5th St — Gladson House Current owners: Greg A ckerman and Angela Iozzia Built: 1910 Architectural style: Edwardian Vernacular • 1140 N. Lincoln Ave. — McKee/Hicks House Current owners: Cathleen McEwen and Jimmy Gantenbein Built: 1901 Architectural style: Late Victorian/Edwardian • 129 E. 4th St. — Bonnell Building Current owners: Jeff and Mary Hiatt Built: ca. 1887-90 Architectural style: One-part commercial block/storefront • 533 N. Grant Ave. — First United Methodist Church Current owners: First United Methodist Church Built: 1950 Architectural style: Late 19th and Early 20th century/Tudor Revivals
16-322177
• 545 N. Cleveland Ave. — Pulliam Building Current owners: City of Loveland Built: 1937-39 Architectural style: Art Deco Commercial 16-325099
saturday PRICE
sunday
LOCATION
ADDRESS
HRS
OFFICE
PHONE
PRICE
LOCATION
ADDRESS
HRS
OFFICE
PHONE
SW LOVELAND
1674 CATTAIL DRIVE
2PM
RE/MAX ALLIANCE
970-622-1846
NW LOVELAND
THE COTTAGE REALTY
970-532-5900
1680 TABEGUACHE MOUNTAIN DRIVE
1-3
RE/MAX ALLIANCE
970-669-1234
43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE
12-5
NE LOVELAND
From the $140’s*
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 10-6 ON N. BOISE AVENUE, 1899 E. 11TH
MIDTOWN HOMES
970-456-4600
$140’S -$220’S
SE LOVELAND
BOISE VILLAGE NORTH, ¼ MILE SOUTH OF HWY 34 10-6 ON N. BOISE AVENUE, 1899 E. 11TH
MIDTOWN HOMES
970-456-4600
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY
970-532-5900
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY
970-532-5900
$239,000
NW LOVELAND
4496 HAYLER AVENUE
12-5
THE COTTAGE REALTY
970-532-5900
$184,702
SE LOVELAND
255 CARINA CIRCLE #104
1-4
THE GROUP, INC.
970-481-9801
$298,664
NW LOVELAND
4355 RIDGWAY DRIVE
12-5
THE COTTAGE REALTY
970-532-5900
$195,000
WINDSOR
680 MOONGLOW DRIVE
1-4
THE GROUP, INC.
970-219-5219
$209,000
NW LOVELAND
822 WEST 38TH STREET
1-3
THE GROUP, INC.
970-215-5036
$323,400
SW LOVELAND
¼ MILE WEST OF WILSON ON 14TH ST SW/HWY 402 12-4 TO THE DAKOTA GLEN SUBDIVISION CLOSED ESTER SUNDAY
GLEN MARKETING
970-663-4522
$239,900
WINDSOR
7411 PIMLICO DRIVE
12-5
THE GROUP, INC.
970-290-8097
$239,000
NW LOVELAND
4496 HAYLER AVENUE
12-5
THE COTTAGE REALTY
970-532-5900
$389,750
SW LOVELAND
975 PRISM CACTUS CIRCLE CLOSED ESTER SUNDAY
GLEN MARKETING
970-663-4522
$264,900
BERTHOUD
COLLINS PARK SUBDIVISION
12-3
RE/MAX ALLIANCE
970-290-1798
$298,664
NW LOVELAND
4355 RIDGWAY DRIVE
12-5
THE COTTAGE REALTY
970-532-5900
$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
$339,000
SE LOVELAND
4630 TARRAGON DRIVE
1-4
THE GROUP, INC.
970-217-3464
$340,914
TIMNATH
5415 BROOKLINE
1-4
THE GROUP, INC.
970-679-8084
$348,865
NW LOVELAND
4710 GEORGETOWN DRIVE
12-3
THE GROUP, INC.
970-567-0907
$365,000
SE LOVELAND
4743 SORREL LANE
1-4
THE GROUP, INC.
970-690-6011
$389,750
SW LOVELAND
975 PRISM CACTUS CIRCLE
12-4
GLEN MARKETING
970-663-4522
$389,900
SW LOVELAND
4481 RIBBON COURT
1-3
THE GROUP, INC.
970-690-1735
To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050
12-4
HAPPY EASTER 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 April 23, 2011 E3 ....
H&RE Real Estate Transactions Joseph Barry, 3731 Suzie Ln, Loveland, $1,100,000, home • Bruce Mcanally from Max Boicourt, 438 Sodalite Ct, Loveland, $210,000, home • William & Naima • Michelle Heitz Pearson from Fannie from Todd AllMae, 4335 Butte Rd, mendinger, 1415 Dover Ave, Loveland, Loveland, $125,000, home $192,500, home • James & Lynn • Derrick Vandersluys from Aurora Ln Lamb from James Gansen, 503 Eagle Services LLC, 3381 Crest Ct, Loveland, Cuchara Ct, Love$414,500, home land, $210,000, • Stephen & Vivian home Dratch from Eric • Patrick Gharrity Gustafson, 787 from Tamar Drager, Beaver Cove Ct, Love751 Lavastone Ave, Loveland, $139,900, land, $660,000, home home • Robert & Chri • Donald & Lori Miller from HJ Bell Thatcher from LauConstr Inc, 801 Libra rence Krantz, 1110 Ct, Loveland, Highland Dr, Love$200,000, home land, $169,000, • Edmund Reek home from Donald Homol• Claud & Jane ka, 456 W 43rd St, Richmond from TrLoveland, $249,900, ishia Day, 2605 home Courtney Dr, Love• Nelson Tompkins land, $140,000, from Lawrence home Strunk, 1041 S Edin• James Randall from Fannie Mae, 939 burgh Dr, Loveland, $190,000, home Nyssa Dr, Loveland, • David Foss from $204,900, home • Richard & Angela Alan Jantzen, 5828 Meadow Creek Ln, Allison from Linda Loveland, $202,000, Otteman, 1020 W home 7th St, Loveland, • Bruce Beresford $180,000, home • Scott & Jennifer from Mawhinneythomas EnterprisGerardy from Sonja es, 1030 Lavender Wilkinson, 3335 AtAve, Loveland, wood Dr, Loveland, $300,000, home $359,000, home • Burney & Melva • Larry & Susen Tate from Advantage Hobelmann from Bank, 365 Primrose Serenity Homes Dr, Loveland, Northern Colo I, $179,000, home 5267 Coral Burst Cir, • Thomas & Chris- Loveland, $257,000, tine Stanko from home Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 970-667-1537.
Loveland
Downey, 20857 Northmoor Dr, Johnstown, $476,800, home • Renee Lafferty from Fed Home Loan Mtg Corp, 2031 Overland Dr, Johnstown, $151,100, home • Charles & Karen Martin from Fed Home Loan Mtg Corp, 425 Hickory Ln, Johnstown, $170,000, home • Ronald Hartzog • Nicholas & Ashfrom Milruth U Busby ley Garcia from KimTrust, 730 Summerberley Rivera, 319 set Ln Unit 8, Estes Park, $300,000, con- Moss Rock Way, Johnstown, $230,000, do home • Thomas & Mar• Clatis & Diane garet Hanna from Adkins from Bk Am, Thomas Fitzgerald, 1802 Daytona Ln, 332 Ute Ln, Estes Johnstown, Park, $535,000, $119,000, home • Isaiah & Rainia home Anderson from Aspen • Dennis & Monica • Dennis & Nancy Leaf Construction Reinke from Kathlee Lincoln from Robert LLC, 1410 Mount Burns, 531 King Ave, Revocable Living Meeker Ave, Trust, 823 University Johnstown, Berthoud, $179,000, Dr, Estes Park, $300,000, home home • Ronald & Karen $160,000, home • Joanna Kelly Reiners from Severo • Bobi Burney from from Loretta Ann Meza, 5 Madden Ave, Stanley Schaffer, Holland Trust, 1214 Johnstown, 1454 Narcissus Dr, Elm Dr, Berthoud, Estes Park, $310,000, $187,500, home $150,000, home home • Karen Heidelmey• Christopher er from David Jones from Mark • Mark & Michelle Shumpert, 6120 W Wertheimer, 127 Curley from James County Road 4, Alpine Dr, Estes Park, Marostica, 601 Forest Berthoud, $315,000, $245,000, home St, Milliken, home $140,800, home • Sarah Hills from • Gregory & GlenLarry Sonner, 1550 • Erin Solis from na Alexander from Raven Cir, Estes Park, Rocky Mount Invest James White, 115 E $226,000, home Group LLC, 47 W Indiana Ave, Hawthorne St, MilBerthoud, $400,000, liken, $155,000, home • Casey & Chelsea home • Brian & Isabelle Welzig from Oakwood Laak from Robert Bertolini, 706 7th St, Homes LLC, 5318 Berthoud, $200,000, Ravenswood Ln, • John & Rosalind Johnstown, home Byster from Advan$229,500, home tage Bank, 7014 Rui• Louis & Carol • Darryl & Daphne doso Dr, Windsor, Wasserman from Norma Boda, 836 Welch Morison from Ralph $455,000, home
Estes Park
Berthoud
Milliken
Johnstown
Windsor
FEATURED PROPERTIES - UP TO $199,999 OPEN HOUSE SAT & SUN 12-5 PM
Ave, Berthoud, $139,500, home • Resident & Courtney from Davin Helden, 1223 Aspen Dr, Berthoud, $184,000, home • Ryan Northington from Charles Finch, 920 E County Road 8, Berthoud, $300,000, home
• Andrew Walker from Federal Home Ln Mortgage Corp, 2375 Sapphire St, Loveland, $139,000, home • Sandra Mcintosh from Federal Home Ln Mortgage Corp, 3314 N Franklin Ave, Loveland, $142,000, home • Christy Weiland from Jaguar Properties Lllp, 1955 New Hampshire St, Loveland, $306,000, home • Ronald & Patricia Arndt from Jeffrey Treanorbrown, 1417 W 31st St, Loveland, $230,000, home
• Tom Vanvelson from Fannie Mae, 1972 Hillside Pl, Windsor, $222,000, home • Sara Daubert from Kenneth Hansen, 1299 Ridge West Dr, Windsor, $442,000, home • Matthew Whitehead from At Liberty Bonding LLC, 524 Powderhorn Ct, Windsor, $240,900, home • Larry & Donna Terrell from DVTC One LLC, 960 Diamond Valley Dr, Windsor, $2,800,000, home • Lawrence & Kristi Horst from Osborn Law Firm Uc 401k Plan, 244 Mallard Ct, Windsor, $234,400, home • Kevin Jones from Deutsche Bk Natl Trust Co, 224 Whitney Bay, Windsor, $175,500, home • Patrick & Carla Mallory from Mackenzie Macpherson, 34491 Weld County Road 19, Windsor, $675,000, home • Douglas & Nancy Dewey from Aspen Homes Colo Inc, 1951 Dominica Ct, Windsor, $365,800, home • Jacqueline Sahd from Fannie Mae, 1501 Pintail Cv, Windsor, $370,000, home • Justin & Melissa Webb from Poudre Invest Holdings LLC, 612 Cornerstone Dr, Windsor, $170,000, home
GLINK From Page E1
HUD has indicated that prior rule changes were intended to make certain that all sales of properties were legitimate, market-driven sales and based on the each property’s real value, and new guidance would be issued in the future on this issue.
Q
uestion: My wife and I are 72. We are seriously upside down on our house. We need to get the bank to help us. So far they will not. I am told one has to be in serious default to even get them to look at you. I have heard from a friend about an organization that apparently agrees to buy your property from the bank and rent it back to you at a lower monthly cost because they buy it for so much less. In three, five or seven years, you can buy it back for a discounted rate. Is this too good to be true? Answer: This sounds very much like a scam. I don’t know anything about the company you listed in your e-mail (I have not reprinted the name in the column), but I do know that you do not have to be upside down on your loan to qualify for the Making Home Affordable (HAMP) loan modification program. On the other hand, almost no one qualifies for HAMP. This is a voluntary program, and the federal government does not require lenders to either forgive your debt or provide you with a lower interest rate on your existing loan. If you can no longer afford your home, then you need to talk to the lender about what it can do, or is willing to do, for you. If the bank if not willing to do anything for you and you are running out of money, then you should consider your options: A strategic default (where you stop paying anything to the lender and wait to be thrown out), a short sale or a deed-in-lieu of foreclosure. While these three options will be detrimental to your credit, they are better than filing for bankruptcy. If you want to give it one last try, contact HUDcertified counselors at 888-995-HOPE.
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
$200,000 - $299,999 A MUST SEE! THIS HOME BACKS TO 8 ACRES OF OPEN SPACE!
OPEN HOUSE SAT & SUN 12-5 PM - 3 CAR
OPEN HOUSE SAT & SUN 12-5 PM - 4 CAR
4403 Elliot Pl., Loveland
1210 Ida Drive, Loveland
4355 Ridgway Drive, Loveland
3830 Higgins Street, Loveland
$2,500 IN FREE OPTIONS!* 3 BR, 2 BA, 2 CAR, ranch style home. Front yard landscaping included w/ sprinkler system. $169,900 w/qualifying special financing or $181,400 w/o special financing. *w/ purchase & closing of home - Offer Expires 4/30/11
Low maintenance all brick ranch style home. 4 BR & 3 BA. Living rm + family rm w/ wood burning stove. Home backs to 8 acres of open space. Patio, sprinkler, RV/Boat parking & fenced yard. $214,900
FREE FRONT YARD LANDSCAPING INCLUDING SPRINKLER SYSTEM THRU APRIL 30TH! Gourmet kitchen w/ center island. Master w/ 5 pce bath. Main level utility. A/C. Full unfin bsmnt & a tandem 3-car garage on corner lot. $289,900 (12 Models & 50 Lots to Choose From).
$3,500 IN FREE OPTIONS!* 3 BR, 2 BA, 4 car garage, ranch style home with full unfinished basement. Granite countertops, wood floors, A/C, gas fireplace and 5 piece master bath. $279,617. *with purchase & closing of home - Offer Expires 4/30/11
Rose Lawrence Cottage Realty 970-532-5900 www.teamcook.biz
Kevin Cook Cottage Realty 970-532-5900
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Kevin Cook Cottage Realty 970-532-5900 www.teamcook.biz
Time to Get Your Own Place? Begin your search at homeandrealtyguide.com your online and print real estate source. FOR SA
LE 3 BD, 2 BA cab and h Ranch, new kit ard bsmt, big wood flrs. Unfin back yard privacy fe , spklrs, nce. $210,000
$300,000 - $399,999 BUILDERS MODEL FOR SALE OPEN HOUSE 12 TO 4 THURS.-MON. CLOSED EASTER SUNDAY
BUILDERS MODEL FOR SALE OPEN HOUSE 12 TO 4 THURS.-MON. CLOSED EASTER SUNDAY
3464 Peruvian Torch Drive, Loveland, CO
975 Prism Cactus Circle, Loveland
Looking for Maintenance-FREE* lifestyle? Open floor plan, patio home w/2 bdrms/2 baths, granite kitchen island, backs to green belt with mountain views! Convenient location. MLS#622329. $323,400
Custom 3 bdrm/2 bath ranch,open floor plan w/slab granite in kitchen, hardwood floors,alder cabinets & trim, designer tile, 3-car garage, composite deck w/amazing views. MUST SEE! MLS#613207. $389,750
Venna Hillman ERA Herman Group/Glen Marketing 970-663-4522 venna@glencompanies.com www.DakotaGlen.com
Venna Hillman ERA Herman Group/Glen Marketing 970-663-4522 venna@glencompanies.com www.DakotaGlen.com
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Open Houses This Weekend - www.thegroupinc.com NEW HOMES!
ALL THE WORK’S BEEN DONE FOR YOU!
FRIDAY & SATURDAY 1:00-4:00
FRIDAY - SUNDAY 1:00-4:00
SATURDAY 1:00-3:00
SATURDAY 12:00-5:00
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.
680 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!
822 West 36th Street, Loveland Charming 3bd, 2ba, tri-level, 1611 sq ft – delightful kitchen updated in 2004 w/ new cabs, island, appliances, vinyl windows throughout; new furnace & central A/C in 2007; new luxury 5pc bath w/ jetted tub; 2/3 of privacy fence is new; meticulously landscaped yard w/ gazebo, shade trees & storage shed.
7411 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, lots of extras. $239,900. Ask about our great builder incentives! Other plans available starting at $239,900.
$184,702
$195,000
$209,000
$239,900
MLS# 645344
MLS# 640714
MLS# 649558
MLS# 647541
Call Georgena Arnett
Call Jim Watson
Call Anne Pielstick
Call Kristen Specketer
481-9801
219-5219
970-215-5036
290-8097
TUESDAY - SATURDAY 1:00-4:00
SATURDAY 1:00-4:00
SATURDAY 12:00-3:00
SATURDAY 1:00-4:00
SATURDAY 1:00-3:00
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!
5415 Brookline, Timnath Beautiful home with all the extras. One of our most popular floor plans. Huge bonus room on the 2nd floor. Gorgeous fireplace in the family room. Slab granite kitchen counters, hardwood floors, designer-inspired interior colors and a full unfinished basement with rough-in plumbing. Fully landscaped and fully fenced. Awesome views!
4710 Georgetown Drive, ,Loveland Energy Star Rated! Designed & built with “synergy” for maximum living comfort. Slab granite countertops, multi-sided fireplace, vaulted ceilings, custom tile & hardwood floors. Upgraded kitchen w/gas range, built-in microwave, dishwasher & side-by-side refrigerator. Large bedroom & rec room in basement.
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! Please view virtual tour at 4743Sorrel.TheGroupInc.com
4481 Ribbon Court, Loveland Super clean 4 bedroom, 3 bath, 2 story home on .38 acre w/ mountain & water views. Wood & tile flooring on main. New kitchen w/slab granite, newer SS appliances w/GE 5-burner gas range/oven & French door refrigerator. 4 car tandem garage. Entertainment Trex deck. Fun Urban style basement.
$339,000
$340,914
$348,865
$365,000
$389,900
MLS# 645384
MLS# 648273
MLS# 646034
MLS# 640372
MLS# 649924
Call Valerie Schlageter
Call Stephanie Kirkland
Call Tracy Wilson
Call Kathy Albertz
Call Maribeth Bergan
970-217-3464
679-8084
567-0907
970-690-6011
690-1735
Saturday Reporter-Herald April 23, 2011
....
H&RE Front Range Gardening
Garden in a
Garden tips: Divide late summer perennials now a larger crop ripen at one time. It will make canning more efficient. • Late summer and fall-flowering • Remove dead perennials, like phlox, asters, chrysanflowers from themums, Helianthus and yarrow can be tulips, daffodils divided now. Divide the clumps and reand other spring plant the vigorous outer portions of the flowering bulbs plant and compost the older parts that but do not remove likely won’t rebloom. the foliage until it has naturally died Early flowering perennials like bleeding heart, Oriental poppies, columbine, down. Fertilize the iris, coral bells or pyrethrum should not bulbs and estabbe divided until later in the season, after lished perennials that are starting to show new flowering. • Succession sowing of relatively small growth, with a balanced fertilizer like 5-10-5 or 6-6-6 at a rate of 1/4 pound of quantities of many vegetables is the secret to having young, succulent crops to nitrogen (N) per 100 square feet. Wash any fertilizer off the foliage and water harvest for fresh eating the whole summer. But, if you are planning on canning well. some of your vegetables,consider having Mitzi Davis has received training
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MITZI DAVIS CSU EXTENSION, LARIMER COUNTY
A novil idea for growing in Colorado landscapes CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY
through Colorado State University Extension’s Master Gardener program and is a Master Gardener volunteer for Larimer County. For more information about CSU Extension, Larimer County, call 970-498-6000 or visit www.larimer.org/ext.
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/ Houses Unfurnished 4030 3 BDRM, 1-1/2 BATH Available in May. ALL utilities included, low deposit, large living room, extra storage. $815/mo. (970)669-1375 Avail: 2 bdrms, exc cond, ht & wtr pd, central loc, fncd yd. 970-308-7387
Apartments/ Furnished 4010 Commercial Industrial 4040 ALL BILLS PAID!!! 1 BDRM/studio, furnished or unfurnished. Downtown Loveland. $550-$625/mo. Call 970-391-0834 KITCHENETTES Weekly, monthly rates. Utilities paid. Satellite TV, laundry room. 970-663-0400
Apartments/ Unfurnished 4030 ** 0 UTIL * 1-2 rm Studios W/D WiFi On-site Mgr DTV $335-630 970-219-6353 1 BDRM- 1314 E. 16th, $475 Wall A/C, Bright! rmpm.com. 970-669-0842
2880 SF Retail Space 118 E 7th St, Lvld, $7/sf Call 970-667-9983 or 290-3876 6000 SF Retail/Warehouse on Hwy 287. Overhead door. 970-593-2401 or 970-227-7447. GREAT Location! 2300 Sq. Ft. Nice office building at Hwy 34 & 287. (970)667-7774
Condos/ Townhouses 4050
2 BD- 2027 Tonopas, $1050 1 BDRM Executive Unfin bsmnt, patio Spacious, well-appointed rmpm.com. 970-669-0842 loft in Downtown Loveland with optional single-car garage. This beautiful 1100 sq 2 BDRM, 1 BA, ft apartment is newly ren1125 Gard Pl #4. $575 ovated. $950 per month. No Faith Property 970-377-1626 smoking or pets. Call 970-980-6801 for application. 3 Bdrm- 4085 Temple Gulch $1395 Unfin bsmt, GREAT! rmpm.com. 970-669-0842
Foothills Apts
2 Bdrm Apartment Homes Ground Floor Available G Includes Washer & Dryer G Park-Like Setting G Garages Available
1913 W. 15th St. 970-669-7850 - Sorry no pets DOWNTOWN LUXURY APARTMENT HOMES Studio 1, 2, & 3 Bedrooms•Great Amenities •Pet Friendly •Covered Parking •Amazing Views 1 Block from downtown 4th Street
Duplexes
4060
2 BDRM, 1816 Lydia- $825 Unfin bsmt, 1 car garage rmpm.com. 970-669-0842 2 BDRM, 1 ba, garage, sprklr, fenced. 921 W. Kelly. $700 + $700 dep. Avail 5/1. 970-223-8301
Garages/Storage Spaces 4070
4080 Houses
EQUAL HOUSING OPPORTUNITY All real estate advertised in this paper is subject to the federal and state Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation, or discrimination.” The newspaper will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.
2 BDRM, 1 BA, 332 E 2nd St ( $725 Faith Property 970-377-1626
4080 Office Space 4100 Real Estate 5109 bath in Office and Retail spaces. Services
5 bedroom, 4 Loveland Lakeside Terrace Starting at $150. Utilities We Stop Foreclosure. Estates, use of swimming Included. 970-613-1477 Free help-call now. pools & tennis court, $1750/ Front Range RE Brokers. month + dep., NS, (970)215-1174 303-915-1266 or 970-984-2929. shortsalesfrontrange.com Executive Home Rental 4 Bedrooms, 3.5 baths, 3736 fin Sq/Ft, 1476 Sq/Ft 1 ROOM AVAIL May 1st. unfin bsmnt, covered outdoor porch. No pets. Quiet 5 bdrm home. Share $3000/month, 1 yr. lease. ba, lndry. No smoke. Clean & responsible. Need credit (970)744-1074 report. $225. 970-481-2222 OWN your own home for NEWER HOME 1 bdrm, what you pay in Rent! 1 ba, share gar, W/D, Lowest rates, cbl/internet. $550/mo. inc. $0 - $1000 Down utilities (970)402-2131 Free Prequalification. Western Plains Realty 22 Acre Horse Property OWN bdrm & bath, share Ken or Tammy house, smoking & pet OK. 3 bdrm/2 ba, 22 fncd acres, 970-663-5008 cross-fncd w/ 14 acres irri$400/mo. (970)635-2703 gated grass/alfalfa, loafing shed & barn. Water rights inc. $439,500 Landstar Real Estate 970-667-3294 To ensure you receive the best response to your TURNKEY DAYCARE for advertisement, please Lease. Looking for qualcheck your ad the first ified operator for long term day of publication. We regret we cannot be lease opportunity. Greeley Hwy 85 & Hwy 34- 9,300 s.f. responsible for more Colorado Santa Fe RE than one day´s incorrect Brandi 303-466-2500 X1611 insertion. Billing inquiries can be initiated within 30 days A picture is worth of ad expiration.
Roommates Wanted 4120
Loveland
5110
Retail Space 4135
Wanted To Rent
4170
a thousand words Try a classified picture ad! Call for details
Mobile Homes/ Spaces 4090
970-635-3650 Responsible older male needs small farmhouse/apt to rent w/space for 2 mini. donkeys. 303-746-7028 3 BD 3854 Foothills $1595 BANK OWNED, HUD & VA Fin bsmt, new carpet, N/P. ( 2 BEDROOM HOMES ( www.Foreclosures rmpm.com. 970-669-0842 $600 - $650 + dep. InLoveland.com W. Hwy 34. Pets on appr to request a copy of the list! Se Habla Espanol Julie Stinson RE/MAX (970)685-8573 3 BDRM, 1.5 BA, 726 W. 9th, Alliance 970-622-1809 avail 5/16, N/S, $1000/mo. Want to buy, $185,000 or 970-667-2898 or 970-290-0523 ( 3 BDRM, 1 BATH ( less. 3 bdrm, 2 ba home, 2 car gar, big yard. Call 3 BDRM, 2 ba, bsmnt, 1 W. Hwy 34. $700/mo + dep. Pets on appr. Se Habla Cindy´s Realty 970-481-6771 car, Sec 9 ok, pets ok Espanol, 970-685-8573 w/dep. Close to school & park. $1050/mo. + deposit. 305 N. Roosevelt Ave. IT PAYS TO BUY! Avail now, 970-221-3382 $1000.00 Cash Rebate If purchase Feb. 3 BDRM, 2 BA in Berthoud Easy Credit Low Down 2 car gar, fncd bkyd, A/C, Starting under $699 avail 5/1, $1300. 303-589-0211 That includes Lot Rent! 970-420-8488 3 BDRM- 798 Blue Azuite BUYING & SELLING $1295/mo. Unfin bsmt, A/C I WILL MOVE YOUR All types of mobile rmpm.com. 970-669-0842 MOBILE HOME FREE 2 ACRE Building Site in homes! (970)962-9860 LOT RENT Rainbow Lake Estates, STARTING @ $199 Berthoud. HUGE price 250+Communities 3 BDRM- 903 Ptarmigan reduction! $89,000 to choose from $1295. Newer carpet, Deck Steve Conder, 303-514-3706 Offer expires 3/31/2011 rmpm.com. 970-669-0842 970-420-8488
Lots & Tracts
4 Bdrm, 7251 Fort Morgan, 20x50 w/12x14 overhead S. Fort Collins, $2695/mo, Lincoln Place door & walk door, security Amazing Home! Views! 325 E. 5th St., Loveland. cameras. $375/mo. In Call rmpm.com 669-0842 970-461-8000 Windsor. (970)686-7257
Motorcycles are selling fast in the ReporterHerald classifieds. Advertise your today. 635-3650
Mobile/ Manufactured Homes/ Spaces 5130
5100
CALL 635-3650 FAX 635-3677 The selling numbers to call and place your ad for fast results!
Eagles Extra Online
reporterherald.com
G
etting a prepackaged garden reminds me of the famous Forrest Gump line “you never know what you’re going to get.” The lush photographs and cheerful ads all but promise your yard will become paradise if only you’d order the deluxe combinations, personally picked for you and 100,000 other special shoppers. The trouble is, those kits might be nice in gentler areas, like Ohio, but Colorado conditions smacks those plants with heat, drought, heavy soil and enough wind to blow Dorothy back to Kansas. Only the toughest survive and too often, you’re left with gaps in the design that get filled in by bindweed, dandelions, or purslane. You never see this in the advertising. Fortunately for us, the Center for ReSource Conservation, in partnership with the cities of Boulder, Loveland, Longmont, Westminster and Golden, offer a water smart solution: their annual sale of Garden-In-A-Box kits, professionally designed to provide eye popping beauty on a thin water diet. These plantby-numbers xeriscape gardens are an easy, convenient way to jump into having a garden filled with plants tough enough for the wild, dry west. In keeping with the CRC’s water division’s mission to help Colorado residents conserve water, the gardens are custom made by talented designers who live here. Hand-picked for our region’s dry conditions, the designs are filled with bold color and eye pleasing textures. They require less than half the water of bluegrass lawns and, according to Colorado WaterWise, can increase property values by up to 15 percent. “It’s important to recognize that xeriscaping does not mean covering your landscape with rocks and cactus, or that you can’t have any bluegrass,” said Jeff Woodward, CRC’s Water Division Director, in a press release. “The key is to come up with a landscape design that will suit your needs while still conserving water. Garden-In-A–Box does just that.” Interested shoppers can choose from three designs: the Sunset Garden, Cool Connections and Garden of Gold. From designer Julie Hauser of Indigo Landscape Design, the Sunset Garden ($125) is perfect for sunny spots, featuring tough plants that glow with color. Silver Powis Castle Artemesia is beautifully set off by brilliant orange blossoms of Orange Globe Mallow (Sphaeralcea munroana)and orange sunrose (Helianthemum orange), cheerful, fluted yellow blossoms of mouse-ear coreopsis (Coreopsis auriculata ‘Zamphir’), plus cool blue spires of six hills giant catmint (Nepeta x. faassenii ‘Six Hills Giant’). Underscoring this garden is a groundcover combination that bring on a show in fall: Himalayan border jewel (Persicaria affinis) and plumbago (Ceratostigma plumbaginoides). If pinwheels of orange and gold are what you desire, check out the Garden of Gold collection ($80). Designed by Curtis Manning of the Arcadia Design Group, this garden pops with color in summer, then continues the show in fall with seed heads of Echinacea, yarrow, and blue gramma grass. Yellows and golds of coreopsis, Comanche campfire primrose (Oenothera macrocarpa), blanket flower (Gaillardia aristata) and California poppy (Artemesia stelleriana) are gorgeous paired with the deep purple Herrenhausen oregano, baby blue showy fleabane (Erigeron speciosus) and purple native verbena (Verbena bipinnatifida). Soothing tones of blues, silver and purple are showcased in the Cool Connections garden ($125), designed by Julie palmer of the City of Boulder’s Parks and Recreation. Hummingbirds and butterflies will be frequent visitors to your yard with this combination of Mojave sage (Salvia pachyphylla), Double Bubblemint Hyssop (Agastache cana), Firewitch Dianthus (Dianthus gratianopolitanus) and Sun daisy Lavender Mist (Osteospermum spp.). The Garden-In-A-Boxes include plants and easy-to-follow planting and care instructions. To make your move to xeriscape complete, the CRC offers drip irrigation kits with individual plant emitters, and water control clocks to turn irrigation on and off automatically. Carol O’Meara is with Gardens can be CSU Extension in ordered at www. Boulder County. Conservation Contact her at Center.org or by calling 303-999303-678-6238 or 3820 ext. 217. comeara@co Days for pickup .boulder.co.us. vary by location; check the webFront Range Gardening site for details.
NEW NORTHERN COLORADO HOMES 2
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FROM THE $140’S* TO $350’S
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Loveland, Colorado • $3,000 BUYER CREDIT NEW HOMES MONTHLY PAYMENTS FROM • STARTING AT $999 $159,900 - $229,900 • OVER 10 MODELS • CONNECTED TO CITY TRAIL
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GREAT VALUE GREAT COMMUNITY GREAT LOCATION
FREE FRONT YARD LANDSCAPING W/ SPRINKLER SYSTEM THRU APRIL 30TH! $289,900
NW Corner of Wilson & 43rd St.
OPEN SAT & SUN 12-5 PM STARTING IN THE MID $200’S
OPEN SAT & SUN 12-5
• 5 piece baths / • 4 car garages • Privacy fencing / • Ranch / 2-Stories • Built Green / • Energy Star • Immediate Possession
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**With purchase & closing of home - Offer Expires 4/30/11
Sales Office Open 10-6 Daily 1899 East 11th Street, Loveland, CO 80537 Phone: (970) 456-4600 info@newmidtownhomes.com www.newmidtownhomes.com 17-326536
FHA Approved Community
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$2,500 IN FREE OPTIONS THIS MONTH!**
4496 Hayler Avenue, Loveland 4403 Elliot Place, Loveland 16-326832
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Enchantment Ridge
970-532-5900 (*w/ qualifying special financing)
Imagine the warmth of sunlit rooms. Become a gourmet chef in a state of the art kitchen. Open floor plans, 3-4 bedrooms, 5 piece baths, 3-4 car garages. (12 models & 50 lots to choose from)
Sales Center 4355 Ridgway Drive, Loveland
970-227-3893 16-326833
GEORGETOWN
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TAFT
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43RD ST.