Saturday Reporter-Herald April 3, 2010 E1
Real Estate Matters
www.realtyguide.com • Saturday, April 3, 2010 • Reporter-Herald
Appraisal may have been incorrect ILYCE GLINK TRIBUNE MEDIA SERVICES
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uestion: My sister and I inherited our mother’s house and 20 acres of land. I want to buy my sister’s half interest, and we obtained an appraisal from a real estate broker, but my sister believes the appraisal was inaccurate and greatly underestimated the market value of the property. She wants us to sell all of the property on the open market to a third party and is convinced that doing so is the only way to obtain her fair share of its value. The property is in a jurisdiction where sales prices of real estate are not recorded in public documents, so finding useful comparables is problematic. Do you have any suggestions for breaking this impasse? Answer: Knowledge is key in working this issue with your sister. Your expectations of the property’s value might be too low and your sister’s might be too high. If you get more information, and that information gives both of you some comfort level, you can then work toward a resolution that suits both of you. A couple of things come to mind that could help. While you obtained an appraisal, that appraisal could be inaccurate, particularly in your area. Depending on where you live, you might be able to find three real estate agents who could come and give you a comparative market analysis (CMA). Those agents can do some homework and give you their presentation as to what they feel you could list your property for sale in this market. They can also give you an idea what you might be able to get for your property based on their listing prices. With three estimates, one will be high and one will be low. You will have to determine whether the one that came in high was solely for the purposes of trying to entice you to list with that agent. Likewise, you will need to use your judgment in determining whether the low number is below the market in the hopes that it will sell quickly or encourage a bidding war for your property. You might also want to average the three suggested list prices to come up with a value for the property. Of course, with the information you receive from the real estate agents, you might decide it’s better to actually list the property and sell it; or your
RH photo by Jade Cody
This home, located at 1931 SW 14th in Loveland, will be part of the Realtors Nationwide Open House program on April 10 and 11.
Nationwide Open House coming next week As the end nears for tax credit, Realtors initiate open house program JADE CODY SPECIAL SECTIONS EDITOR
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hose currently in the market for a home will have a chance to tour several properties along the Front Range next Saturday and Sunday, as part of the Nationwide Open House program spurred by the National Association of Realtors. Kurt Albers, a Realtor with Century 21, Humpal in Loveland, said several area Realtors were planning to become involved, and speculated that there would be around 50 open houses next weekend. Open houses have become a valuable resource for home buyers, Albers said. “Open houses are the second most used source for potential homebuyers,” he said. Not only can buyers tour prospective homes, but they are essentially able to interview Realtors at the same time, he said. More than ever buyers are utilizing open houses as a valuable tool in their home search.
The Loveland-Berthoud Association of Realtors (LBAR), has encouraged its Realtors to become involved in the Nationwide Open House program, and is offering cash prizes for community participation. There will be a blue Realtor balloon logo placed next to each participating open house listed in next Saturday’s Home and Real Estate section in the Reporter-Herald. Prizes for those attending a Nationwide Open House include: • 1-5 open houses visited: a chance to win $100 • 6-10 open houses visited: a chance to win $200 • 11 or more open houses visited: a chance to win $300 Kevin Cook, a Realtor with The Cottage Realty in Berthoud, said this program will help bring awareness to the optimal, though temporary, home buying circumstances. “I have never seen an opportunity like this, especially for first time homebuyers,” he said. “For people who can use the tax credits, there has not been a better time to purchase a home.” Cook named several factors, including low interest rates, affordability in the Northern Colorado real estate market, and the available tax credits, as reasons why it is a good time to buy now. According to LBAR, the first-time homebuyer’s federal tax credit is still available, though contracts have to be in place by April 30. LBAR expects home prices and interest rates to eventually climb, while the Front Range inventory will decrease. Realtors interested in joining the Nationwide Open House Weekend should contact Debbie Long, LBAR association executive at 970-669-1822.
If You Go What: Realtor Nationwide Open House Where: Northern Colorado. Addresses of participating open houses can be found in the April 10 edition of the Home and Real Estate section in the Reporter-Herald When: April 10-11
I See GLINK/Page E5
Inside this week’s Home & Real Estate This Week’s Rates *
Realtor of the Week Betsy Burns of Coldwell Banker Residential Brokerage
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FHA Rule Change
Director y Page E5
New guidelines for borrowers and lenders
Page E3
Last Today Week Trend 30-Year Fixed:
5.16%
5.07%
15-Year Fixed:
4.39%
4.40%
5/1 ARM:
3.96%
3.95%
* Rates provided by Bankrate.com. All rates are subject to change.
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Saturday Reporter-Herald April 3, 2010
RG Realtor of the Week
RG Property of the week
Meet
421 W. 6th Street, Loveland
Betsy Burns
Price: $183,900 Built in: 1959 Square feet: 1,120 Bedrooms: Three Bathrooms: One full and One partial Contact: Julie Stinson, Re/Max Alliance, 970-6221809, www.jstinson.homes incolorado.com.
COLDWELL BANKER RESIDENTIAL BROKERAGE Location: 100 W. 29th Street, Loveland, CO 80538 Contact: 970-622-7426, or www.BetsyBurns.com
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his charming house in West Loveland is within walking distance of downtown and Lake Loveland. With a private deck and one car attached garage, this ranch-styled home also features hardwood flooring in the living room and bedrooms, a ceramic tiled kitchen and eating area, a hot tub, mature landscaping and a large storage shed. This home has character and has been lovingly cared for.
Designations, Affiliations & Accolades: CRS (Certified Residential Brokerage), Loveland Rotary Club: member, past president, director, and foundation trustee. Habitat for Humanity: past director/officer. Loveland Water Board: past president/member. Loveland/Berthoud Board of Realtors: member, grievance chair, past director Years of experience: 33
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Lovelander for more than 50 years, Betsy has spent more 30 of those years as a local real estate broker. During this time she has helped over 1,200 area families relocate. It is very pleasing to her that almost all of her business is repeat or referral closings. In these later years she has been selling homes to many of her children’s friends and also to the grown children of her clients. In some cases she is doing business with three generations. Owning her own brokerage for 15 years gave her valuable business experience from which she draws for every real estate transaction. Because she believes in furthering her education she has obtained an additional broker license for the State of Wyoming as well as her CRS (Certified Residential Brokerage) designation. She believes in and enjoys giving back to the community. She works hard and when it is time for relaxation and rest, she heads for her little hideaway in Meeteetse, Wyo. This 1890s ranching community has just the right atmosphere for her to recharge and return to civilization ready to go to work. She is proud to have been raised on a farm in southern Minnesota with a strong Scandinavian background of tradition, honesty and integrity. Her Dad’s handshake was just as good as a written contract. She intends on continuing those traditions.
Clockwise, the outside of the home, the patio, the living room, the kitchen and the hot tub. Photos courtesy Julie Stinson
DISPLAY ADVERTISING 669-5050
Home & Realty Guide is produced every Saturday by the Loveland Daily Reporter-Herald.
CLASSIFIED ADVERTISING 635-3650
OPEN HOUSE SAT 1-3
REPORTER, Rhema Muncy rmuncy@reporter-herald.com 635-3684
$200,000 - $299,999
FEATURED PROPERTIES - UP TO $199,999 COMFORTABLE LIVING-$129,000
EDITOR, Jade Cody jcody@reporter-herald.com 635-3656
CAREFREE COTTAGE IN NORTHWEST LOVELAND
$197,800
$279,000
305 Turner Ave - Berthoud
421 West 6th St.
4002 Three Bridges Ct. - $135,000
3070 Tabernash
4124 Beth Place
Wonderful 1527sf, 2BD, 2BA townhome in the middle of Berthoud! Low maintenance, A/C, garden-level bsmt, gas fireplace, and pantry in kitchen! Back deck & covered front porch are great for relaxing!
Westside bungalow! Absolutely charming! Three bedrooms, 1 1/2 baths, hardwood floors, fenced yard, deck and hot tub, all within walking distance to downtown Loveland.
Hunter’s Run townhome! 2 story with full unfinished basement, loft, vaulted ceilings, 5 piece master bath, central air, oversized garage, community pool and clubhouse. NEW PRICE $197,800
Country Living close to town. One acre Horse Property offers updated home, 2 bdrms, 2 ba, plus Office, Fam Rm w/FP, Guest Bunkhouse, 2 Car Heated Garage, Greenhouse, fenced yard, big trees.
Kathy Burcham 303-775-7429 kathy@berthoudrealestate.com www.berthoudrealestate.com
Julie Stinson 970-622-1809 RE/MAX Alliance 970-669-1234 750 W. Eisenhower Blvd. Loveland, CO 80537 JulieS@rmfa.com
Rare opportunity to own a 2 bedroom ranch-style townhome in Greenbriar. Handicapped accessible end unit in move-in condition. Light-filled & open floor plan. Central air, nice fireplace and fenced private backyard with deck. One-car attached garage. Perfect for first time buyers, a handicapped person or for anyone who does not want stairs.
Julie Stinson 970-622-1809 RE/MAX Alliance 970-669-1234 750 W. Eisenhower Blvd. Loveland, CO 80537 JulieS@rmfa.com
Billie Myers 970-206-8262 RE/MAX Alliance 970-226-3990 4703 Boardwalk Dr. Fort Collins, Co 80525 BillieMyers@ColoradoHomeSale.com
Marilyn Burch 970-690-0286 RE/MAX Alliance 750 W Eisenhower Blvd, Loveland mail@marilynburch.com
$300,000 - $399,999 DAKOTA GLEN NOW OPEN IN LOVELAND
OPEN HOUSE SAT & SUN 12:00-3:00 PM
MATHEWS FARM $349,900
OPEN HOUSE SATURDAY 1 TO 4
ANXIOUS SELLER WANTS CONTRACT TO CLOSE QUICKLY
3448 Peruvian Torch Dr.
1779 Muddy Creek Dr.
1731 Wales Drive
2005 Creede Ave.
2739 W. 36th - $325,000
Stop by our brand new subdivision in Southwest Loveland. Custom plans, walkout lots, lot sizes up to 26,112 sf, mountain views. 402 & Wilson, 1/4 mile W of Wilson. Prices starting in low $300’s.
This patio home is loaded with granite in kitchen & Bathrooms! Beautiful gourmet kitchen. Perfect for entertaining. No outside maintenance here! Its all done for you. Sit back & enjoy! $339,900
Unobstructed Mountain Views and backs to open space! Ranch Style plan offers a gorgeous Kitchen w/alder cabinets & granite counter tops. Spacious living at a remarkable price. Built by Dennis Robbins.
“Stunning Ranch by Weinland Homes.” ENERGY EFFICIENT blt w/2x6 Const. Dream Kit w/Knotty Hickory Cab, Jenn-Air Appl, & Granite Counters. Formal Dng or Study. Fully Insul Oversized 3-car gar w/8ftdoors.
New roof, exterior paint, A/C, granite & tile. 4 bed, 4 bath. Formal dining & great rm on main. Large kitchen w/Eating Area. Full finished daylight bsmt. 3 tier deck, beautiful yard.
Lisa Moore/Connie Gliott Glen Marketing, Inc. 970/663-4522 www.glencompanies.com www.DakotaGlen.com
Lisa Moore/Connie Gliott Glen Marketing, Inc. 970/663-4522 www.glencompanies.com
Lisa Moore/Connie Gliott Glen Marketing, Inc. 970/663-4522 www.glencompanies.com
Cory Roberts Premier Lifestyle Realty (970) 215-9913 www.mycoloradoproperty.com
Billie Myers 970-206-8262 RE/MAX Alliance 970-226-3990 4703 Boardwalk Dr. Fort Collins, Co 80525 BillieMyers@ColoradoHomeSale.com
$300,000 - $399,999 OPEN HOUSE SAT 1-3
GOLF COURSE COMMUNITY/ OPEN HOUSE SAT. 11:00 TO 2:00
$500,000 + OPEN HOUSE SAT. 1-4 TRADES CONSIDERED
TOTAL SOLAR!
GEOTHERMAL HEATING & COOLING - $749,900
14-311625
626 Cameron Ct. - $318,000
4615 Twin Peaks Ct.
NEW CUSTOM RANCH - 288 RESERVOIR
TO BE BUILT
7519 Buffalo Court, Loveland
Lovely 2 story home in Mariana Butte. This 3 BR, 4 BA home shows like a model and is loaded w/upgrades. Vaulted ceilings, gourmet kitchen w/large center island, granite countertops, large private deck overlooking private ponds and open space. Spacious master bedroom suite, central A/C, ceiling fans, whole house fan, 3 car garage and more. Pride of ownership throughout. Motivated seller.
Completely remodeled 3 bedroom, 3 bath, 3 car garage home in Prestigeuos Mariana Butte. Alder cabinets, Slab Granite, Roman Style Master with Heated Floor, Hickory floors throughout, Stamped concrete. Ect.
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 to Reservoir.
2000 sq. ft ranch with walk-out basement. Solar electric, solar radiant hot water heat. To be built. Starting at $650,000. Call John Mathey at Premier Lifestyle Realty today!
5,000 sq ft fin. 2007 WO Ranch, 4-5 bds, 5 bths, 3 car. 3 WOW view, A/C, on-demand H20 htr, in-floor radiant heat. Gourmet kitchen, ALL granite cntrs, hkry flrs. Hwy 34 W to CR27 (Masonville), R Bison Bluff, R.
Paul Schwerdtfeger Renovation Realty 970-290-9099 $ 345,900.00 paschwerd@comcast.net
John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512
John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512
Rick Berry RE/MAX Alliance - FTC DWTN 970-482-1781 Rberry@rmfa.com
Sandy Lee RE/MAX Advanced, Inc. 970-227-0014 sandylee@frii.com web.me.com/nshoffner/LovelandHouse/House_for_Sale.html
Saturday Reporter-Herald April 3, 2010 E3
H&RE REAL ESTATE
FHA guidelines changing April 5 Policy updates will hedge needed reserves
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hanges announced by the Housing and Urban Development department about FHA loans in January will come to fruition on April 5, affecting both lenders and borrowers. The confirmed change is that mortgage insurance rates will be raised from 1.75 percent to 2.25 percent. Other changes being considered but not officially announced are the tightening of credit score guidelines, the reduction of seller concessions from 6 percent to 3 percent and more stringent lending rules. The changes are all intended to increase the reserves of the FHA, government money that backs loans made by different lenders and investors, according to Loveland area sales manager Eric Engel of the Bank of Colorado. “Because of all of the defaults and foreclosures the last couple of years, that has depleted the reserves the FHA has to cover for the mortgages that have gone into forbearance,” Engel said. “This will keep the program intact so that they can continue lending money.” Banks provide money for FHA home loans, but the FHA insures lenders against loss. To keep this program going, FHA commissioner David Stevens said in a
press release that changes must be made to boost the reserves. “Striking the right balance between managing the FHA’s risk, continuing to provide access to under served communities and supporting the nation’s economic recovery is critically important,” Stevens noted. “When combined with the risk management measures announced in September of last year, these changes are among the most significant steps to address risk in the agency’s history. Additionally, by continuing to provide affordable, responsible mortgage products, FHA will support the housing market’s recovery.” The first and only official change to go into effect April 5 will be the increase of mortgage insurance rates from 1.75 percent to 2.25. This percentage is taken from the loan amount and usually rolled into the loan, an increase of $1,000 that will go onto the principle. This equates to a minimal increase in payment of a few dollars a month, a ratio in accordance with the loan amount, Engel said. He also pointed out that this rate is still less than most conventional loan insurance rates. Mortgage insurance is required on most loans when the equity of the home is less than 20 percent. This insures the investment of the lender, and mortgage insurance will stop when
Metro Creative Services
tection for it and less risk than a normal loan that doesn’t have that guarantee.” The other changes on the discussion table would also have an impact on buyers and lenders. There could be a defined credit score standard, and FHA now requires new borrowers to have a minimum credit score of 580, although most lenders will only accept at best a 630 or 640, according to Thompson. The Colorado Housing and Finance Authority will permit FHA loans via bonds for people with a credit score as low as 580 with a completed scoring sheet which looks at factors such as how long the borrower has been employed and collections history, Thompson said. Approved borrowers with credit score below 580 might have a minimum re-
Calculate loan changes
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he FHA loan changes will add a slight increase to mortgage insurance and tighten up other lending rules. Here are the numbers for a $200,000 listing price with an FHA loan: • For an FHA loan, a 3.5 percent down payment would equal $7,000. • The remaining price of 193,000 would require a mortgage insurance charge of $3,377.50, calculated at 1.75 percent. The new insurance increase calculated at 2.25 percent would be a charge of $4,342.50. This would raise the loan price to $197,342.50. • Divide the increase in mortgage insurance payment added to the loan by a 30 year mortgage payment of 360 installments, and the increase in monthly payments comes out to be $2.68. • If the annual is paid monthly until equity reaches the 20 percent point, the annual premium of $1,061 divided by 12 would equal a monthly payment of $88.41.
quirement of a 10 percent sions from 6 percent to 3 down payment, Engel said. percent. Another proposed change “The seller could give 6 by the FHA is the reduction I See FHA /Page E4 of allowable seller conces-
Open Houses This Weekend www.thegroupinc.com SATURDAY 1:00 - 3:00
FRIDAY/SATURDAY 12:00 - 5:00
1588 Sussex Court, Loveland - Pride of ownership in this cute, immaculate ranch style home. It includes a detached 3rd car garage, a heated shop, RV parking and a spot for your boat. This home has a great room with a fireplace and is open to the kitchen. The large master bedroom is located on one side of the house, separated from bedrooms 2 & 3. The basement has a family room and a study/office which could be a 4th bedroom. This is truly a deligh ul home, loved and well-cared for.
2409 Maple Hill Drive, Fort Collins -Maple hill is an exci ng collec on of a rac ve, energy efficient, affordable and environmentally friendly homes with neighborhood pool, trails and future park. This is builders model. Paired homes star ng at $175, 000 single family homes star ng at $201,000.
$200,000
$234,000
MLS#623902
MLS#595204
Call Nancy Maus 213-0554
Call Lisa O’Brien 566-0995
FRIDAY/SATURDAY 12:00 - 5:00
SATURDAY 1:00 - 4:00
291 Saratoga Drive, Windsor - Greenspire is a lake front community with planned trails, parks, docks and open space capturing the spirit of Colorado. Designed with energy efficiency and comfort in mind. Homes star ng at $235,000 lake view homes star ng at $330,000.
209 Hubbell Street, Berthoud - Why buy new when you can have this clean, clean clean 3 bedroom, 2 bath, 1554 sq. . ranch with a 1538 sq. . unfinished basement nestled in beau ful Berthoud. Master suite has a 5 piece master bath and walk-in closet; refrigerator, washer & dryer included; new A/C, gas fireplace and no HOA. This is a must see home.
$235,545
$245,000
MLS#595072
MLS#621663
Call Lisa O’Brien 566-0995
Call Bob Skillman 631-2257
Tax Credit The Federal Homebuyer Tax Credits Expire
April 30, 2010 SATURDAY 12:00 - 5:00 1014 Burrowing Owl Drive, Fort Collins - Welcome to Waterleaf! Smartly Designed Homes for Northern Colorado Living . Choose from 4 ranch & 5 two-story floor plans. 1,625 to 2,535 finished sf. Base prices from $259,000 to $320,000. Fridge, Dishwasher, Electric Range/Oven, Washer & Dryer included! Front Yard Landscaping and Rear Yard Fencing included! Generous list of included features in every home! Energy efficiency built into every home.
SATURDAY 1:00 - 3:00
TUESDAY - SATURDAY 1:00 - 4:00
1230 Inca Dove Circle, Loveland - This luxury pa o home will exceed your expecta ons!The front porch says Welcome & when you step inside-you will want to stay.This is main level living at its best w/NO stairs.The warm colors make the open living space cozy&invi ng. 2 beds + a den& oversized garage give you all the space you need. With the maintenance free lifestyle you have earned there will be me to join in ac vi es at the clubhouse or enjoy the serenity of the views.No neighbors behind-just the deer in the open space.
4635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model home at The Pa os in Thompson Crossing. 6 ranch plans, 3 car gar op ons, garden level lots, views, low HOA dues. Convenient loca on, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low maintanence living at it’s best!
$310,000
Priced From $324,000
MLS#621243
MLS#622460
MLS#607818
Call Ma Thompson 443-9910
Call Kathy Boeding 231-9073
Call Val Schlageter 217-3464
$305,000
44-203165
$8,000 Available to First-Time Buyers $6,500 Available to Repeat Buyers Call us to receive your HOMEBUYER TAX CREDIT KIT filled with everything you need to know!
Happy Easter From Our Families to Yours Loveland Office 663-0700
Centerra Office 613-0700
Greeley Office 392-0700
Mulberry Office 221-0700
Harmony Office 229-0700
Horsetooth Office 223-0700
14-311121
RHEMA MUNCY SPECIAL SECTIONS REPORTER
the equity on the home reaches this rate. The 20 percent down payment guards the investment of the lender during the fluctuation of home values. “It assures the lender that even if we are in fluctuation, if someone has 20 percent down, it lessens the risk of the lender so if the loan goes bad and if home values go down, there will be equity and it is less risky for them to recover their initial investments,” Engel said. According to Pam Thompson of Adams Mortgage in Fort Collins, the mortgage insurance rates increase or decrease according to the amount of down payment made on loans. So the more money available up front for a down payment, the better rates on the loan and mortgage insurance the borrow can attain. For FHA loans, even if the down payment is 20 percent, the borrower will be required to pay mortgage insurance for at least five years, according to Engel. This contributes to the reserves. However, if a borrower has 20 percent to put down an a house, there are probably better options out there for that person than an FHA loan. One benefit of FHA loans is a lower interest rate, typically an eighth or quarter percent better, Engel said. If a conventional loan came in at five percent, an FHA loan rate might lock in at 4.75 percent. “The rate is slightly better because the loan is guaranteed,” Engel said. “If it goes bad, there is a pro-
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Saturday Reporter-Herald April 3, 2010
H&RE Real Estate Transactions
• Mark & Joanne Nierman from Arrowhead Properties LLC, 3569 Harding Dr, Loveland, $205,000, home • Diane Wood from Bergstrom Kevin R & Alice M, 439 Jacqueline Dr, Loveland, $260,000, home • Harold & Elizabeth Gosse from 1519 Spring Wagon LLC, 1519 Spring Wagon Dr, Loveland, $380,000, home • John & Cathy Kunisch from Ames Archie R & Janna, 3320 Barela Ct, Loveland, $290,000, home • Nicole Holder from Deutsche Bank National Trust C, 1417 Effie Ct, Loveland, $106,000, home • William Frank from Dmell LLC, 925 Colorado Ave, Loveland, $157,900, home • Barbara Landeck from Bunker Ronald A & Jo Ann, 4205 La Junta Dr, Loveland, $181,200, home
FHA
Rural Property Specialists! 8850 N County Line
percent of the purchase price to pay closing and pre-paid items such as tax, insurance escrow and insurance premiums,” Engel said. “This is really a minimal impact.” The last change would increase the monitoring of lender performance on those who make FHA loans. “They look at the companies that are originating FHA loans and each underwriter in the company has a status that allows them to write FHA loans,” Engel said. “If you fall below a certain standard, they will monitor you more closely or suspend your licensing.” Engel feels the government played their cards right for these needed reserve boosting changes. “These up front premiums can change and they have changed throughout history depending on the reserve,” he said. “At times they have been lower than this, but the spirit is still keeping home ownership affordable for all buyers out there.” One loan requirement that has not changed is the minimum 3.5 percent down payment required by FHA. If that requirement had gone up, more people would not have been able to purchase a home, he said.
Magnificent 6,600 sq ft house on 35 acre horse property, with 4-stall barn, hay barn, arena, water rights and pond. Great back range views.
$675,000
35 acres with 4100 sq ft 3 bed, 4 bath house, 3-car garage with 864 sq ft unfinished above, 1500 sq ft heated outbuilding, stream and well.
The Preserve at Lonetree
$150,000
Five 2+ acre lots, with 80 acres private open space and Lonetree Reservoir access. Power, roads and water in place (tap fee outstanding).
2349 Doyle Dr.
$839,000
4,629 sq ft home on 3.44 acres with great views. 5 beds, 5 baths, office, home theater and exercise room. 4 stall barn, arena and pastures.
www.klrealty.net - 303.444.3177
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Johnstown
• Van & Falo Booth from Green Celia M, 307 Columbine Cir, Berthoud, $242,500, home • Melissa Morin from Ainsworth Thomas W & Juleanne, 4908 Glen Dr, Berthoud, $337,500, home
• Cristina Mcglothlin from Malchow Stephen C & Robbie S, 3579 Dilley Cir, Johnstown, $263,700, home • Gail & Stuart Roath from Ryalnd Group Inc, 171 Bittern Dr, Johnstown, $219,300, home • Eric & Tiffinie Andersen from Gutierrez Juan A, 2139 Redhead Dr, Johnstown, $229,900, home • Natasha Cooper from Ghel Kevin R, 425 Expedition Ln, Johnstown, $210,000, home
Estes Park • Shoon Wong from Christenson Beverly J, 1010 S Saint Vrain Ave Unit D6, Estes Park, $138,500, condo • Richard & Raleen Masek from Estes Park Housing Authority, 1155 S Saint Vrain Ave Unit 37, Estes Park, $139,000, condo • Jolene & James Mckenna from Firnhaber R Paul, 810 Macgregor Ave Unit 4, Estes Park, $225,000, condo • Robert & Linda Small from Johnson Francis A & Rebekah L, 1440 Marys Lake Rd, Estes Park, $275,000, home • Andrew &
Milliken • Joseph & Diana Sherman from Early Meagan & Eric, 2045 Birdie Way, Milliken, $230,000, home • Amanda Johnson from Thomas Dennis E, 201 N Pauline Ave, Milliken, $128,000, home • Todd & Alicia Ranslow from Mckim Sean C & Angela L, 123 S Marjorie Ave, Milliken, $131,000, home
RHEMA MUNCY SPECIAL SECTIONS REPORTER
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ith all of the changes coming for lending, it is important for professionals and borrowers to stay up to date, a task that is no easy feat, according to Loveland Realtor Renae Hupp of First Choice Realtors and president of the LBAR association. “The lending thing is different every day of the week,” she said. “I used to take one lending class a year. With all the changes the last two years, I have taken numerous classes.” This is a good sign, though, because until two years ago, Colorado’s lax lending laws allowed plenty of loan sharks to make deals. “Loans were way too loose,” Hupp said. “They were giving loans to people who should never have been approved. Most of the changes are really for the good. A lot of lenders do loans and they sell them to investors. Well, investors want good solid investments, so they are making the underwriters do more work to make sure they are good.” One of the newest protections for both lenders and buyers is the Good Faith Estimate, a statement that provides an estimate
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E 37th St.
E 29th St.
8 BUILDERS LOW MAINTENANCE PATIO & SEMI-CUSTOM HOMES
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• Jeffrey Hanesworth from Mader Brian & Carolyn, 1504 Pintail Cv, Windsor, $295,000, home • Jeffery & Stephany Bourne from Capfinancial Properties Cv2 Ll, 6511 Aberdour Cir, Windsor, $372,000, home • Scott & Nancy Zimmerman from Kenrick Construction Llc, 5854 Woodcliffe Dr, Windsor, $330,000, home • Ryan & Jennifer Brooks from Province Inc, 8533 Cherry Blossom Dr, Windsor, $360,200, home • Janice Trust from Clement Thomas W, 1561 Pelican Lakes Pt Unit A, Windsor, $355,000, condo • Nancy Heldenbrang from Johanson Kirk & Michelle, 1401 Westwood Dr, Windsor, $215,300, home • Javier Hinojosa from Melody Homes Inc, 1558 Edenbridge Dr, Windsor, $241,435, home • Julie & Christopher Gerken from Vandyne Alexxander, 1423 Grand Ave, Windsor, $225,000, home
on closing costs and fees for a mortgage transaction, according to Pam Thompson, a loan office at Adams Mortgage in Fort Collins. There is also a space on the new sheet for people to get Good Faith Estimates from other lenders. For the lender fee potion, there is a zero tolerance discrepancy — the lender must state the exact fees and charge no more. If anything changes, the lender must re-disclose the contract to allow the buyer to decide how to move forward. Other fees, such as the title, have a 10 percent leeway. Taxes and insurance both have an unlimited tolerance. “The insurance rates are going to be based off of how much is put down, credit scores and debt to income ratios,” Thompson said. Hupp said to ask for recommendation letters from lenders and to do some homework before hand so that a lot of people won’t run a credit check. “Going to five different lenders is going to ding your score,” Hupp said. Most of all, compare apples to apples and don’t be afraid to ask any type of question. “It is not worth gambling on the biggest decision of your life,” Hupp said.
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Stephanie Newberg from Manley John R & Billie J, 2625 Marys Lake Rd Unit 34, Estes Park, $285,000, condo
LO VE
14-310841
• Todd Richmond from Sullivan Robert & Mariellen, 4138 Independence Dr, Loveland, $274,300, home
Navigating loan changes
From Page 3
$1,800,000
6586 Abaco Ln.
• Patrick & Cindy Sokoll from Sulik Crystal, 1829 Silver Leaf Dr, Loveland, $368,500, home • Dennis Olson from Morgan Stanley Abs Capital I I, 1712 E State Highway 60, Loveland, $145,500, home • Gary & Mary Swanson from Deutsche Bank National Trust C, 4420 N Franklin Ave, Loveland, $164,000, home • Chris Hood from Fairbanks Adam, 1012 Sitka Ct, Loveland, $175,000, home • Donna Wickersham from Fannie Mae, 1830 Elk Springs St, Loveland, $122,900, home • Michael & Taryn Schuman from Gore Pauline R, 4051 Don Fox Cir, Loveland, $220,000, home • Dennis Wiarda from Hall Hal L & Mary A, 4059 Rockvale Dr, Loveland, $211,500, home • Timothy & Peggy Mcglynn from Pamela Drive LLC, 1514 W 28th St, Loveland, $195,000, home • Craig Roosa from Roosa Alta M, 106 E 23rd St, Loveland, $187,100, home
Seven Lakes Dr.
New Homes Priced in the Mid 200’s in Desirable Seven Lakes Area 5 Piece Master Baths, Walk-in Closets, Air Conditioning, 3 Car Garages, Unfinished Basement, Lake Rights 4 Ranch Plans and a 2 Story with Main Floor Master to choose from
TAKE WILSON AVE SOUTH 2 MILES FROM HWY 34
Marketed by Glen Companies Lisa Moore - Connie Gliott
970-663-4522
D.E. BURNS CONSTRUCTION Quality • Integrity • Experience • Reputation
970.669.8386
13-311105
Loveland
Blue Spruce Dr, Loveland, $242,500, home • Ryan & Reegan Barber from Aurora Ln Services LLC, 3454 Leopard Pl, Loveland, $219,500, home • Christopher & Melanie Morrison from Bewley Timothy F & Teri L, 3951 Pagosa Ct, Loveland, $196,000, home • Weston & Christie Pace from Fannie Mae, 443 Elder Ct, Loveland, $152,000, home • Robert Michel from Federal Home Ln Mortgage Corp, 1530 Clover Pl, Loveland, $160,000, home • Kyle Bennett from Gmac Mortgage LLC, 1507 Oak Creek Dr, Loveland, $114,900, home • Paul & Janet Anderson from Lamaster George T & Cheryl L, 2035 Grays Peak Dr Unit 203, Loveland, $126,000, condo • Kathr yn Carmicheal from Miller Susan A, 2608 Mary Beth Dr, Loveland, $185,000, home • David & Janet Horn from Schwindt Stephen, 4805 Valley Oak Dr, Loveland, $750,000, home
N. Madison Av.
• Stephen Schwindt from Campbell Kristopher R & Jaime R, 1783 Rhyolite St, Loveland, $211,500, home • Ray & Dawn Huffaker from Westmoreland Derek, 847 N County Road 19 E, Loveland, $290,000, home • A Boyd from Fed Home Loan Mtg Corp, 4625 Hahns Peak Dr Unit 202, Loveland, $120,500, condo • John & Robin Labarbera from Wood Diane Charle, 4543 Cole Dr, Loveland, $237,700, home • Faye & Istvan Hornyak from Woodward Paula, 371 Sunmountain Dr, Loveland, $149,900, home • Jb Inc from Federal Home Ln Mortgage Corp, 2120 Goodwine Ln, Loveland, $230,000, home • Kimberly Turner from Vorachek Matthew W & Sheri D, 1370 4th St Se, Loveland, $215,000, home • Sean & Sarah Mcmillan from Waugh Contessa Cf, 2611 W 44th St, Loveland, $184,400, home • Marianne Cruikshank from Garcia John L Jr & Shana L, 1016
US 287
Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.
Saturday Reporter-Herald April 3, 2010 E5
GLINK
H&RE Regional Real Estate Report
Loveland/Berthoud Sales Outlook
From Page E1
sister might decide that the pricing is right and that she is willing to sell you her half-interest in the property. If you can’t come to an agreement, you can always go the less desirable and expensive route of having a court decide whether you have to sell the property or the price you have to pay your sister for her share. The litigation route is one you should avoid. It’s probably the most expensive and least likely to give either of you the best result. One last thought: Even if you live in an area where real estate sales prices are not part of the public record, real estate brokers and agents may keep track of those prices. Some of that information is kept in the real estate databases for real estate agents that may not be available to you. Your best bet is to get as much information as possible and then approach the issue with your sister. But keep the discussion amicable and try to work through the information. If you’re both reasonable, you should be able to arrive at a price that makes both of you happy — and preserves your relationship.
REGIONAL SNAPSHOT FOR LOVELAND/BERTHOUD RESIDENTIAL
REGIONAL SNAPSHOT FOR LOVELAND/BERTHOUD ATTACHED DWELLING
Jan, 2010
Feb, 2010
Active Listings Previous Year Active Listings
941 970
1042 1010
Number of Sold Listings
57
80
$195,000 $236,000
$192,500 $195,000
Median Sales Price Previous Year Median
*
Jan, 2010
Feb, 2010
115 84
133 96
8
12
$129,500 $65,000
$146,900 $140,000
Active Listings Previous Year Active Listings Number of Sold Listings Median Sales Price Previous Year Median
Average Days on the Market (ADOM) Previous Year ADOM
133 109
125 127
Average Days on the Market (ADOM) Previous Year ADOM
91 91
107 97
Year to Date Listings Sold Previous Year YTD Listings Sold
57 56
137 143
Year to Date Listings Sold Previous Year YTD Listings Sold
8 2
20 12
$13,173,437 $14,957,944
$19,241,626 $21,741,273
$1,103,400 $233,000
$1,868,700 $1,455,050
Monthly Volume Previous Year Monthly Volume
Monthly Volume Previous Year Monthly Volume
* Updated statistics will be available after the 15th of each month. March 2010 statistics will publish in the April 17 edition of the Reporter-Herald.
Loveland, Colorado
Thursday, May 20, 2010 Presented by: and supporting sponsors: LOVELAND INTERIOR SOLUTIONS E S T. 1 9 7 9
Booth space is limited Call Today!
Hundreds of household decision makers will be attending the show and expo.
Your business needs to be there! Expo Display Booth Sous Chef
This show will be highly publicized and promoted and so will your business!
Special Section Ad Deadline: April 23rd Publishes May 9th
• 1/4 page ad in special publication • mention in show program • 10’ x 10’ display booth - 6’ table • 2 General Admission Tickets
$399
Head Chef • 1/2 page ad in special publication
$599
• mention in show program • 10’ x 10’ display booth - 6’ table • 2 General Admission Tickets
Master Chef • Full page ad in special publication • mention in show program • 10’ x 10’ display booth - 6’ table • 2 General Admission Tickets
+ one $40 or greater door prize
+ one $40 or greater door prize
$799 + one $40 or greater door prize
Relish Celebrity Chef Jon Ashton
RESERVE YOUR BOOTH SPACE NOW!
Thursday, May 20, 2010
310971
For more information call (970) 669-5050 Contact your advertising rep or call (970) 669-5050
Saturday Reporter-Herald April 3, 2010 E6
Did You Know
H&RE Front Range Gardening
Nationally, vacation-home sales rose 7.9 percent to 553,000 last year from 513,000 in 2008. One in four vacation-home buyers plan to rent their properties to others.
Plan now to eliminate Aphids CAROL O'MEARA CSU EXTENSION
14-311069
— National Association of Realtors
SATURDAY PRICE
LOCATION
ADDRESS
HRS
OFFICE
PHONE
$139,900
NW LOVELAND
2717 W 46TH ST
12-5
THE COTTAGE REALTY
532-5900
$149,900*
NW LOVELAND
43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE
12-5
THE COTTAGE REALTY
532-5900
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY
532-5900
$183,900
SW LOVELAND
421 W 6TH
1-3
RE/MAX ALLIANCE
622-1809
$184,900*
NW LOVELAND
3399 FOSTER PLACE
12-5
THE COTTAGE REALTY
532-5900
$199,000
SE LOVELAND
162 BRASS
2-4
RE/MAX ALLIANCE
622-1809
$200,000
NE LOVELAND
1588 SUSSEX COURT
1-3
THE GROUP, INC.
213-0554
$227,900
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY
532-5900
$234,000
FORT COLLINS
2409 MAPLE HILL DRIVE
12-5
THE GROUP, INC.
566-0995
$235,545
WINDSOR
291 SARATOGA DRIVE
12-5
THE GROUP, INC.
566-0995
$245,000
BERTHOUD
209 HUBBELL STREET
1-4
THE GROUP, INC.
631-2257
$282,300
NE LOVELAND
2055 RIDGEWAY CT.
1-3
RE/MAX ACTION BROKERS
217-1444
$305,000
FORT COLLINS
1014 BURROWING OWL DRIVE
12-5
THE GROUP, INC.
443-9910
$310,000
SE LOVELAND
1230 INCA DOVE CIRCLE
1-3
THE GROUP, INC.
231-9073
$318,000
SW LOVELAND
626 CAMERON CT.
1-3
RE/MAX ALLIANCE
482-1781
$324,000
SE LOVELAND
4635 TARRAGON DRIVE
1-4
THE GROUP, INC.
217-3464
$342,950
NW LOVELAND
2005 CREEDE AVE
1-4
PREMIER LIFESTYLE
215-9913
$895,000
SW LOVELAND
288 RESERVOIR DR
1-4
PREMIER LIFESTYLE
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
A
fter a season of “quiet they lie in wait,” and as the first shoots of spring unfurl, they emerge and attack. Though tiny, these creatures can cause big headaches, rolling up leaves and coating the plant in a sticky, sugary mess. Aphids are a nuisance, and once they settle on trees, controlling them can be a challenge. For those who are continually trying to wrest control of the garden back from these small insects, a change of strategy may help. Plan now to take steps to eliminate most of the aphids while your trees are still dormant. Eggs laid at the junction of bud and branch protect the young aphid on trees over winter, and as the tree breaks bud, the young hatch, moving to the soft young leaf to begin feeding. Teasing the leaf with a growth hormone in their saliva as aphids feed, many cause leaf curl on peaches, plums or ash. This curled foliage is perfect protection from many predators and only the smaller, wriggling beneficial insects can get inside. Once curled, the leaf protects aphids from sprays as well, so an important step early in the season is to attack aphid eggs on woody stems before bud break in the spring. Smothering sprays of horticultural oils may help reduce the numbers of hatching aphids, and reduce the damage they wreak on trees and shrubs. A few words of caution when applying dormant oils: make certain that the oil is labeled for use on the plant. Many woody plants are sensitive to oils and could be harmed, rather than helped. Apply oils during warmer, dry days of early spring — before bud break and not in freezing weather. Dormant oil is for use before active growth of the plant begins, not when shoots are growing. If applied too early, such as in the fall, plants may be prone to winter damage; those with chronic problems from aphids on their trees should mark their calendars for oiling up the trees in spring. Some perennials and roses are plagued by
aphids as well, and spring clean up can help keep these bugs down to a manageable level. On lupines and columbines, early removal of the old stems also moves over-wintering aphids from the area. Although mulch is a critical item to plant health over winter, clean up of leaf litter on mulch in the spring, with fresh, clean mulch put down to replace it, reduces numbers of aphids. On roses, aphids over-winter as they do on trees, laying eggs at the junction of bud and cane. Pruning and disposal of rose canes late in winter or early spring can remove these eggs. Novice vegetable gardeners looking for advice on planning and planting a garden should check out Vegetable Gardening for Beginners, Saturday, May 1, 8 a.m. to noon, at the Extension office in Longmont, 9595 Nelson Rd. Offered by the Colorado Master Gardeners of Boulder County, this primer for growing food covers the basics of choosing a location, preparing the site, variety selection, troubleshooting, and harvesting. Fee for the class is $20; pre-registration required. Call 303-678-6238 to sign up. Dahlia lovers, rearrange your morning schedule to head out to the Colorado Dahlia Society’s spring tuber sale at Paulino’s Gardens, 6300 N. Broadway, Denver, today starting at 9 am. Several hundred varieties will be available including Dinner plate, Cactus, Pompom and Ball types. Society members will be on hand to answer questions and provide information on the proper growing techniques to insure a spectacular floral display this summer. Tubers are $3 each or two for $5.
Carol O’Meara is with CSU Extension in Boulder County. Contact her at 303-678-6238 or comeara@co .boulder.co.us.
Front Range Gardening
Americans spending more on gardening METRO NEWS SERVICE According to the National Garden Association (NGA), Americans are To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place your spending more on their lawns and gardens. NGA ad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com found that retail sales of Apartments/ Duplexes 4060 Houses 4080 Mobile Homes/ Loveland 5110 lawn and garden products increased by 3 percent to Unfurnished 4030 2 BDRM- 2354 SW 10th $550 2 BDRM, 1303 Nickel, $695/ Spaces 4090 more than $35 billion. 1/2 mo/FREE, Wall A/C mo, Part. Fin. Bsmt, Cat 2 BDRM apts: $595-$650+ 3 BDRM- 216 SW 42nd, o.k., Call rmpm.com rmpm.com 970-669-0842 That’s a positive sign for dep. Clean, fresh paint, sm $550/mo. No pets, new crpt. 970-669-0842 the garden industry, markpets neg. Lvlnd 970-308-4096 2 bdrm w/ fncd bkyd. rmpm.com 970-669-0842 Backs to park, H2O pd. offing the first time since ✭ ✭ ✭ ✭ ✭ ✭ ✭ ✭ ✭ ✭ ✭ A picture is worth street parking 1 car, $650/ 2 BDRM, 901 Charlotte, 3 BD or 2 BD- Free rent! Like NEW
1 rm, Studio+ Vintage apts 0 utils! On-site mgmt. W/D, DirTV $333-590 970-219-8162 1 BDRM NO Pets 127 So Jefferson #3 $410/mo FPI 970-663-4664 Large 2 BDRM, 1 BA, heat paid, no pets, 1707 No Cheyenne Ave Unit #1 $575 FPI 970-663-4664
3 bdrm, 1.5 ba, 1200 SF, new 3 bdrm, 2 ba, 2 car no pets carpet/paint Lvlnd, $850 + Close to I25 and shopdep + utils, 303-772-7390 2025 Cheyenne Ave. $1025 ping!!! 1009 King Dr. 3 FPI 970-663-4664 BDRM, 2 ba. New carpet/ tile flr. Gar, lrg yd, A/C, 4951 Basswood Dr, Lvlnd patio. Just Reduced!!! 2 BDRM, 1 bath, non$1,450/mo. Faith Property smoking, no pets, $625/mo. 970-377-1626 Hayes @ (303)929-2850
Garages/Storage Spaces 4070
Furn 1 bdrm utilities pd 122 E 4th St #5 $550. FPI 970-663-4664 LOVELAND * 1+ Bdrm, 1 bath, 4207 NCR27, $450/mo. ESTES PARK * 2 Bdrm, 1 bath, 1224, 1260, 1262 Graves, $750/mo. 1st Choice Realtors, (970)669-9696
1 BDRM, 1 ba, very large, Avail now. Rent $745/mo Very large 1 BDRM Speincl utils. 1 month secdep cial: 1st month $300 + dep. req. Avail now. 970-532-2901 Nice size 2 bdrm w/ frplc Special: $300 for 1st month + dep. 970-266-0206 or 970-214-2057 1 BDRM, $550/mo. Clean, quiet, friendly complex, No pets. Walk-in closet, storage HEAT & WATER PD. 970-667-8370.
Commercial Industrial 4040
Approx 700 SF, 2nd floor 1 bdrm, 604 E. Eisenhower, Storage/Office, NW corner $495/mo, Util. Included, Bunyon & 1st , Berthoud. Av. 5/1, Call rmpm .com $575/mo + dep 970-532-2652. 970-669-0842 Approx 800 SF, 1st floor ✭1 BDRM apts. Clean!✭ commercial/office space. $500/mo inc utils. Lndry Mountain Ave., Berthoud avail. No smk/pets. $700/mo + dep 970-532-2652. 970-667-6199 or 970-231-2566 ✭No Fri eve/Sat calls✭ 2 & 3 BDRM, cent. loc. New carpet/paint. Fncd yd, N/ P.Ht/Wtr pd! 970-308-7387
Condos/ Townhouses 4050
2 BDRM, 1 BATHClean, fresh paint! A/C, heat/water paid. No pets/ smoke. $590. (970)667-0365
1400 SF, 2 BDRM, 2.5 BA, 2+ car gar, full bsmt, A/C, upgrades, pool, patio. $1100/Mo. No Smoking. Avail 4/1. 970-420-7256
2 BDRM- 4954 Basswood, $550/mo. New Lino, 900SF rmpm.com 970-669-0842
2 BDRM- 2147 Grays Peak $895. NICE! 1 CG, office rmpm.com 970-669-0842
Duplexes
4060
2 BDRM apts: $595-$650+ dep. Clean, fresh paint, sm pets neg. Lvlnd 970-308-4096 1495 CADDOA DR, 2 or 3 bdrm, 2 ba, 2 car gar, everything new inside, inc FINALLY, Storage Space! applcs. $1000/mo, wtr & Huge 2 bed apt avail at sewer pd. NO PETS Tom Lakemont Apartments. (970)679-8567. Will not last, call today 970.667.1644 2 BDRM, 1303 Nickel, $695/ mo, Part. Fin. Bsmt, Cat ASK ABOUT BARGAIN o . k . , C a l l r m p m . c o m 970-669-0842 HUNTER RATES! They’ll save you money!
Manufactured Homes Starting @ $599/mo 0% Financing. Price includes lot rent Tax Credit applies! Quick Closings! 970-420-8488 www.aboutarc.com ✭✭✭✭✭✭✭✭✭✭✭
Office Space 4100
GARAGE- $950/mo. 2450 Sq 1402 W. 11th St. WOW, this house has alot to offer for Ft, Commercial, 1 bath. $1600/mo! Info Estate rmpm.com 970-669-0842 920 Sq Ft- 4 prof´l offices, Builder (970)667-3400 recep area, high traffic, grt 3 Bdrm, 1.5 ba, A/C, hrdwd prkg. $775/mo. 970-420-5757 INDOOR GARAGE & flrs, w/WD hkup. No pets/ Commercial Storage smk. $900/mo. (970)667-9099 Mountain Ave., Berthoud Commercial/Retail 20x40, 20x50. $500/mo 970-532-2652. I-25 & Hwy-66. 970-535- 6074 3 BDRM- 366 Sun Mountain, www.Longmont-storage.com $1125. Pets nego, fncd yd rmpm.com 970-669-0842 OFFICE, RETAIL, INDUSTRIAL. UTIL´S 4 BDRM, 2 ba, tri-level w/2 car gar, fncd bk yd. A/C, INCLUDED. 970-667-3338 frpl. N Lvlnd. Lease w/opt, $1200/mo. 970-988-3244
Houses
4080
EQUAL HOUSING OPPORTUNITY All real estate advertised in this paper is subject to the federal and state Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation, or discrimination.” The newspaper will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.
1548 Warbler Street All New, non smk, no cats, $1150/ mo, + dep. 3 bdrm, 2 ba, 2 car, fncd, a/c, frpl, unfin bsmt. 970 667-2582 1 BDRM Lvld cottage, fncd yd, borders horse pasture, $485 +utils/dep 303-776-0091
a thousand words Try a classified picture ad! Call for details
970-635-3650 BANK OWNED- 4 bdrm, 2 bath, new carpet, paint & appliances! $ 179,900. Re/Max Alliance, Wanda Quaid, 970-481-3033 Mariana Cove, 5 bdrm, 4 ba, 3 car, $429k. Open 3/27 & 4/3 from 11-2, 622-0521 www.466cove.com Short Sale/Foreclosure Buyers/Sellers www.AnswersToRealEstate.com More information contact Debb M 970-215-8564 Re/Max Alliance
Mobile/ Manufactured Roommates Homes/ Wanted 4120 A PHONE CALL Spaces 5130 WORTH $8000.00
”Call us” We´ll show you how to get $8000 for Buying a house with no money out of Pocket. We have until April 30, 2010 So don´t hesitate ~ let´s get started today! Ken or Tammy Western Plains Realty 970-663-5008
2 ROOMS AVAIL in a 3 bdrm, 2 bath home in Longmont. $400-$450/month incl utils. No smokers, pets nego. 303-956-0326
✭ 2 BEDROOM Home ✭ $575+dep. West Hwy 34. 970-690-9049
Mobile Home Sale/Rent Platteville MH, 2 bdrm, 1 ba, new flooring. lot rent $377. Owner fin, low down, bad credit OK. 970-215-1819
Fort Collins
Harmony Club
Harmony Road
Timnath
Sell Your House Fast! Quick Sale - Fair Price 720-962-4688
✔✔✔✔
Mobile Homes/ Spaces 4090
Priced from the $300’s to the $500’s 3 Extraordinary Locations
Real Estate Wanted 5170
LOVELY NEW HOME Immed occupancy, Never been lived in. No smoke 3 bdrm + ofc, 2 ba, 2 car, bsmt, A/C, & sprink sys $1350/mo.$1350/dep. (970)622-7426
To ensure you receive the best response to your advertisement, please check your ad the first day of publication. We regret we cannot be responsible for more than one day´s incorrect insertion. Billing inquiries can be initiated within 30 days of ad expiration.
PatioOpenHomes 1-4 Tues - Sun
Lots & Tracts
5100
Eagles Extra
Crossroads Blvd
• Centerra
Online
2 ACRE LOT, Berthoud area, $30K price reduction, $139,000. Call Steve Conder for details, 303-514-3706. LAST 2 LOTS! Mill Village, Longmont Ready to Build! $53,000/ea. 970-367-5130
reporterherald.com
FIND A CASH BUYER for your used lawn or garden equipment by placing a classified ad in the Reporter-Herald! 635-3650
in the classified columns. That’s where you’ll find a complete listing of the best the area has to offer. Call 635-3650
FIND YOUR DREAM HOME
Windsor Highland Meadows Golf Course
Loveland
Thompson Parkway
Apartments/ Unfurnished 4030
mo + $650 dep 970-663-5889 Johnstown, 1 ba, $875, 1 yr lse, no pets. (970)744-0791
17-311129
Pets nego. Quiet & spac. $595-$695. 970-223-1349
2002 that retail lawn and garden sales had increased. While many homeowners recognize the value of a lawn’s aesthetic appeal, the survey also showed many more homeowners could be looking to lawn and garden activities as hobbies, as 31 percent of all households admitted growing indoor houseplants while another 30 percent of households admitted to planting flower gardens.
Map not to scale.
Thompson Crossing
Val Schlageter 217-3464 The Group, Inc. Real Estate 223-0700
www.ThePatios.com