Saturday Reporter-Herald May 15, 2010 E1
Real Estate Matters
www.realtyguide.com • Saturday, May 15, 2010 • Reporter-Herald
Fixed-rate mortgages remain supreme
Ownerfinanced sale has difficulties
JADE CODY SPECIAL SECTIONS EDITOR
W
ILYCE GLINK TRIBUNE MEDIA SERVICES
Q
uestion: My son is selling his house. The buyer and he signed a purchase contract. My son offered owner financing to the buyer. The buyer inspected the property with a professional home inspector and submitted a lengthy list of repairs. My son pulled a copy of the buyer’s credit history and, after seeing that his credit score was only 575, decided to back out rather than be stuck with a possible deadbeat owner. My son’s real estate agent didn’t indicate there would be any problems in canceling the deal. But now the buyer’s agent is threatening to sue my son for $10,000, saying he cannot back out of the deal based on the credit score. How shall we advise my son? Should his real estate agent have been more on top of the situation and warned him about what might happen if he canceled the deal? Answer: It doesn’t sound as if I See GLINK/Page E5
Inside this week’s Home & Real Estate
Sarah Warnock, Broker Associate with Prudential Real Estate
Social Networking Area Realtors utilize social networking
Page E4
Director y Page E4
This Week’s Rates
Why you need a home inspection Ritter signs broker lien law
TIMOTHY R. SCHUL CTW FEATURES
TREY ROGERS, KRISTEN M. BRONSON COLORADO ASSOCIATION OF REALTORS
T
Realtor of the Week
Page E2
ith mortgage rates hovering around 5 percent for much of the first quarter in 2010, the majority of homebuyers are choosing fixed rate mortgages. According to John Giroux, owner of Family Mortgage Co. in Loveland, the reason is simple: it makes good sense to lock in mortgage rates when they are this low. Freddie Mac last week released survey information indicating that fixed-rate loans made up more than 95 percent of refinance loans during the first quarter this year. This was regardless of whether their original loan was an adjustable-rate mortgage (ARM) or a fixed-rate, The information was gathered in Freddie Mac’s quarterly Product Transition Report. The report also noted that 15-year fixedrate mortgages also gained steam. Jim Hunter, the Division Senior Vice President of Production for Cornerstone Mortgage in Fort Collins, said there was a substantial increase in 15-year mortgages, especially regarding refinance loans. “We’re seeing a lot more interest in the 15-year notes,” he said. Refinancers are motivated primarily by quicker gains in home equity. In a press release, Frank Nothaft, vice president and chief economist for Freddie Mac, said “average interest rates on 30-year and 15-year fixed-rate mortgage loans remained extraordinarily low during the first quarter, averaging 5.00 percent and 4.38
percent respectively in Freddie Mac’s Prima- to rise in each of the past three years. “My ry Mortgage Market Survey. The average thoughts are there’s not much room for initial rate on a 5/1 hybrid ARM was 4.20 them to go lower,” he said. “I’ve been prepercent during the first three months of dicting for three years that rates should be 2010. With fixed-rate interest rates near a about 2 percent higher than they are. But generational low and initial interest rates nothing makes sense anymore in this econon hybrid ARMs close to fixed-rate levels, omy.” large numbers of homeowners have chosen Freddie Mac recently released the results fixed-rate loans for refinance,” he said. of its Primary Mortgage Market Survey in “While homeowners are choosing the which the 30-year fixed-rate mortgage avercomfort that comes with constant monthly aged 4.93 percent with an average 0.7 point principal and interest payments on fixedfor the week ending May 13, down from last rate mortgages, at the same time many bor- week when it averaged 5.00 percent. Last rowers are now looking at paying down year at this time, the 30-year FRM averaged their mortgage balances faster by choosing 4.86 percent. The 30-year FRM has not a shorter mortgage term of 15 or 20 years been lower since December 10, 2009, when instead of 30 years. it averaged 4.81 percent. “During the first quarter, 25 percent of “Interest rates on fixed-rate mortgage deborrowers who had 30-year fixed-rate loans clined for the 5th straight week,” said refinanced into a 15- or 20-year fixed-rate Frank Nothaft, Freddie Mac vice president loan, the largest percentage shortening and chief economist. their term since the third quarter of 2004, when about 30 percent of borrowers who had a 30-year fixed* rate loan opted for a shorter-term fixed-rate loan or a balloon note,” Nothaft said. Last While no one knows how the We ek Trend To d ay rates will respond now that the Federal Reserve has stopped pur30-Year Fixed: 4.99% 5.03% chasing mortgage-backed securities, Hunter said he expected rates 15-Year Fixed: 4.29% 4.29% No change to creep up toward the end of sum3.67% 5/1 ARM: 3.68% mer, though he thinks they will remain attractive throughout the end * Rates provided by Bankrate.com. All rates are subject to change. of the year. Giroux said he has expected rates
he best $300 my wife and I spent in the process of buying our first home did not contribute in the slightest to the actual purchase price. Rather, it kept us from purchasing a home that would have been a disaster to live in. The modest fee was the cost of the home inspection on the first home we entered into contract on, a cosmetically gorgeous three-bedroom, twobathroom condo with a huge backyard. It was, in fact, too good to be true, as our hero home inspector eventually discovered. Among her findings: • An improperly sealed and pitched roof, with chimneys in disrepair • Shoddy masonry and tuck pointing • Improperly installed mechanicals • Presence of mold in the basement • Something not up to city code We did not even complete a full inspection — let alone read the report — before we decided then and there to back out. And, of course, our inspector gained clients for
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CTW photo
life. Hiring an inspector is a “makes sense” thing, said Steve Ramos, owner of Envirovue Home Inspection in Petaluma, Calif., and featured certified home inspector on the HGTV program “House Detectives. ”Ramos lays it out simply: A buyer is going to pay a few hundred dollars for an inspection that, on the low end, may find four to five times that amount in repairs. “There’s a lot that goes into deciding if you want to buy a house,” he said. “All it comes back to is value. Is what I’m paying for the house worth it? “You should need to look at the Realtor’s market analysis and the appraiser’s report in conjunction [with the inspec-
tion], and those three reports should give you a good idea about what you’re buying,” Ramos said. The urge to become a homeowner should not overpower the importance of protecting yourself with an inspection. “Push for a 10- to 15-day inspection period so you can make a little bit better-educated decision,” Ramos said. INSPECTING YOUR INSPECTOR Just like your buyer’s agent, you want to find an objective, independent inspector who has only your interests in mind.
n April 29, Governor Bill Ritter, Jr. signed the Commercial Real Estate Brokers Commission Security Act (HB10-1288, the “Broker Security Act“) into law. The Broker Security Act gives commercial real estate brokers in Colorado the opportunity to file a lien against an owner’s commercial property when the owner fails to pay a broker a commission due for procuring a tenant for the property. The Broker Security Act will take affect 90 days after adjournment of the General Assembly, which will be August 11, 2010 if adjournment falls on May 12, 2010, the constitutional deadline. The lien right created by the Broker Security Act is similar to the right provided to building contractors and subcontractors, architects, engineers, and surveyors under current mechanic’s lien laws, but it differs in significant ways. Brokers may obtain lien rights only against commercial properties and only on lease transactions, not sales. Also, there must be a written agreement between the broker and commercial property owner or the property owner’s agent. The Broker Security Law is intended to encourage resolution of disputes
I See INSPECT/Page E5
I See RITTER/Page E6 22-313707
We’re ready to GO! Please visit our new location at
2809 East Harmony Road, Suite 200 Fort Collins, Colorado (Southeast corner of Harmony and Corbett)
WHO YOU DO BUSINESS WITH.
Providing Service with Integrity
970.206.HOME (4663) | www.Colorado-Cornerstone.com Check the license status of your mortgage loan originator at www.dora.state.co.us/real-estate/index.htm. Gene Humphries • NMLS 247425 | Jim Hunter • NMLS 266865
Saturday Reporter-Herald May 15, 2010 E2
H&RE Realtor of the Week Meet
Sarah Warnock PRUDENTIAL ROCKY MOUNTAIN REALTORS BROKER ASSOCIATE Location: 3780 E. 15th St., Loveland
PROPERTY OF THE WEEK
Contact: 970-667-2510 office, 970-412-3421 personal line, swarnock@prurmr.com or www.prudential rockymountain.com.
2881 Spring Mou Mountain untain Drive Drive, Loveland
Designations, Affiliations & Accolades: GRI, eCertified, Member of NAR, CAR and LBAR, Honors Society and Leading Edge Years of Experience: 7
A
Loveland native, Warnock is a fourth generation Realtor in Northern Colorado. Her great grandfather founded Warnock Realty & Auctions in 1922. Sarah is proud to be a part of an 88-year-old tradition of Sarah Warnock excellence in Northern Colorado real estate. Warnock is a top producing Prudential agent earning the Leading Edge Society Award in 2009, putting her in the top 6 percent of Prudential agents nationwide. In 2008, Warnock earned the Honors Society Award, placing her in the top 10 percent of Prudential agents nationwide. Warnock is involved in the community, volunteering her time as a mentor for a second grader at a local elementary school through a program at her church called Kids Hope. Warnock also serves as a precinct committee person for her neighborhood in downtown Loveland. Warnock can be found outdoors whenever possible, usually in the company of her two dogs. She enjoys hiking, gardening and time with family and friends. Warnock cares and is committed to her community and the people in it. This kind of attitude is exemplified in the way she conducts herself in the real estate business on a day-to-day basis. Warnock is dependable, hardworking and committed to her clients’ needs every step of the way.
Price $625,000
This beautifully updated two story y home in Spring Mountain is situated ed on a large lot with Front Range views from the deck and patio: • • • • • •
4636 total square footage 5 Bedrooms / 5 Baths / 4 Car Garagee Freshly finished walk-out basement Remodeled granite kitchen Lots of hardwood plus new carpet 1/3 Acre lot
Take pick of su your outdoor li n or shade vin All with w g areas – onderful views.
Home & Realty Guide is produced every Saturday by the Loveland Daily Reporter-Herald.
Driving directions: From Taft & Hwy 402 (14th St SW). Go south on Taft, westt on 28th St/CR16 approx. .5 miles and turn left on to Spring Mountain Drive, 3rd house on right. 20-307644
DISPLAY ADVERTISING 669-5050
Betsy Burns 970-215-1776
CLASSIFIED ADVERTISING 635-3650
100 W. 29th Street Loveland, CO 80538
FEATURED PROPERTIES - UP TO $199,999 OPEN HOUSE SUNDAY 1-3 PM
OPEN HOUSE SUN 1-3
REPORTER, Rhema Muncy rmuncy@reporter-herald.com 635-3684
$200,000 - $299,999
OPEN HOUSE SUNDAY 2:30 -4:30
PRICE REDUCED $9K!!
1274 S. Cattleman Dr, Milliken
1016 Elbert
1856 Dove Creek Circle
1231 W. Broadmoor Drive-$230,000
Enjoy open space & country charm in this 4 bedroom, 2 bath home. Finished bsmt., all appliances included, fenced backyard, south facing patio for summer entertaining. MLS# 626206 $169,900
Motivated Seller will look at all offers. Huge lot is .47 acre, 3 bedroom, 2 bath with 2 car oversized garage. 1852 square feet with large family room with fireplace. Garden area, corner lot and all kitchen appliances stay. West of Hwy 402 past County Rd 21 to Elbert then north to home.
This magical townhome backs to open space with trees and water views. Catch a view of Long’s Peak from the peaceful deck. Wood floors, contemporary floor plan, crown molding. $173,900
1/4 AC w/4bd/2ba! NEW kitchen countertops, new sewer piping, new oak baseboards, new plush carpeting & ceilings. Oak stairs, fireplace, bsmt w/wet bar/media area. Sprinkler system, oversized garage.
Gayle Schink Prudential Rocky Mountain, REALTORS 970-215-4771 gschink@prurmr.com www.prudentialrmr.com
Gerrie Chapman 970-690-1265 RE/MAX Alliance 970-669-1234 750 W. Eisenhower Blvd. Loveland, CO 80537 gerrie@rmfa.com
Mark Keller RE/MAX Advanced 970.219.5570 mark@ftcollinshomes.com
EDITOR, Jade Cody jcody@reporter-herald.com 635-3656
Amber Eggers Premier Lifestyle Realty (970) 214-4173 amber@teamplr.com
Find the Home You Love Search to your heart’s content at homeandrealtyguide.com, your online and print real estate source.
$300,000 - $399,999 NEW LISTING!!! No more upstairs and downstairs! This large ranch has one full floor of gracious living and a full basement for future expansion. Spacious living room with vaulted ceilings, multi-pane windows, and gas fireplace. Privacy speaks volumes from this home 1935 Blanca Ct. with lake views and cul-desac location. Stucco and stone Carolyn LaMaster exterior for low maintenance. Prudential Rocky Mountain, REALTORS Oversized finished garage. 970-690-1596 c_j_lamaster@yahoo.com Over 3,600 sq.ft. $325,000. Call Carolyn 970-690-1596.
$300,000 - $399,999 4 CAR GARAGE & 6 BEDROOM IN SEVEN LAKES
3395 Laplata Ave. Store all of your toys in the huge double tandem 4 car garage. This home sits on a corner lot. Features upstairs laundry, hickory cabinets, wood floors & Beautiful Kitchen just to name a few. $369,900
Lisa Moore/Connie Gliott Glen Marketing Team, ERA 970/663-4522 www.glencompanies.com
PATIO HOME IN SEVEN LAKES
3448 Peruvian Torch Dr.
1731 Wales Drive
3285 Current Creek Ct.
Stop by our 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. Patio Homes too! Prices starting in low $300’s.
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.
Gorgeous home! Unobstucted views! Shows like a model. It offers a stunning kitchen & upgrades throughout. Sit back & relax, this home is completely maintenance free. Only $369,000.
Lisa Moore/Connie Gliott The Glen Marketing Team, ERA 970/663-4522 www.glencompanies.com www.DakotaGlen.com
Lisa Moore/Connie Gliott The Glen Marketing Team, ERA Herman Grp 970/663-4522 www.glencompanies.com www.DakotaGlen.com
Lisa Moore/Connie Gliott Glen Marketing Team, ERA 970/663-4522 www.glencompanies.com
SCENIC SETTINGS! Frame the view! Enjoy magnificent sunsets from this extraordinarily well-maintained home on 2.3 irrigated acres. You’ll be delightfully surprised and pleased with the beautiful updating in this gracious and spacious home. A stunning departure from the 5912 Long Branch Ct. ordinary. 4 bd, 3 ba, 3-car plus 1 detached garage and studio for Carolyn LaMaster any occasion. Over 3,500 finished Prudential Rocky Mountain, REALTORS sq. ft. Play golf, ride horses or 970-690-1596 c_j_lamaster@yahoo.com both. $449,900. Call Carolyn 970-690-1596.
OPEN HOUSE SUNDAY 1PM-3PM
LAKEFRONT HOME IN MARIANA COVE
1554 Homeland St., Loveland
459 Cape Dory Drive - Loveland
Gorgeous 3976 sf 4br, 3ba, 3car. Custom kitchen, granite, pantry, Wolf gas range. Hickory floors, central a/c, formal dining, rec rm., workout rm., landscaped, walk/bike path, views. $424,900
Impeccable 2 story home in Mariana Cove, across from Mariana Butte Golf Course. Tastefully decorated w/ Hickory flrs, cabinets & granite cntr tops, large nook & new SS appls. Mstr bdrm has private deck, 5 pc lux bath. Wraparound porch w/gazebo. Redwood deck w/roof in backyd. 3 car gar, A/C & security sys. $439,900
Mike & Sherry Dougherty Colorado Front Range Realtors, LLC 303-589-1626 www.cfrhomes.com
Bogdan Kaleta RE/MAX Alliance (970) 215-1067
LAND FOR SALE
OPEN HOUSE SAT. & SUN. 1-4 TRADES CONSIDERED
WATER TAP INCLUDED
20-313220
2955 Challenger Point Dr.
NEW CUSTOM RANCH - 288 RESERVOIR
1644 Scenic Valley Drive
Enjoy watching the sunset from your beautiful covered back patio that overlooks the water. This home offers a gourmet kichen, hickory woodwork. Views from every room in the house. $559,900
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.
2.05 AC lot in Panoramic West w/STUNNING VIEWS. Located in foothills, minutes to Loveland and Devil’s Backbone. Build dream home on peaceful, serene lot. Call for details, driving directions. $160,000
John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512
Suzanne Plewes Re/Max Alliance (970) 290-0373 suzanneplewes@remax.net
Lisa Moore/Connie Gliott Glen Marketing Team, ERA 970/663-4522 www.glencompanies.com
MATHEWS FARM $349,900
$400,000 - $499,999
$500,000 + SPECTACULAR LAKE AND MOUNTAIN VIEWS
DAKOTA GLEN NOW OPEN IN LOVELAND
homeandrealtyguide.com Your online and print resource for residential, commercial and land for sale
Saturday Reporter-Herald May 15, 2010 E3
H&RE Real Estate Transactions Reimer Newton W & Scarlett Ann, 28 Centennial Dr, Estes Park, $690,000, home • Raymond & Charlene Roa from Short Harold C & Marian D, 2107 Uplands Cir, Estes Park, $675,000, home • Carol & Carol Hayden from Evanson Michael J & Mary S, 176 Stanley Circle Dr, Estes Park, $260,000, home • Deborah Bangs from Boscia Marian West, 365 Ponderosa Ave, Estes Park, $200,000, home • Elizabeth Baier from Rosesausman Audrey M, 420 Ponderosa Ave, Estes Park, $595,000, home
STARTING FROM THE HIGH 160’
• Froylan Trevizogomez from Wells Fargo Bk, 2314 Carriage Dr, Milliken, $138,000, home
copper
10
Windsor • Brett Busch from Anderson Dennis J & Kimberly K, 409 Locust St, Windsor, $189,000, home • Kenneth Dickson from Haddock Krystal, 220 Rock Bridge Dr, Windsor, $275,000, home • Rebecca & Nick Houle from Kline Charles S & Mary E, 950 Columbine Dr, Windsor, $178,500, home • Vincent & Kimberly Chimelis from Classic Custom Builders Inc, 6624 Murano Dr, Windsor, $630,000, home • Trollco Inc from Elk Bugle Invest LLC, 1866 E Seadrift Dr, Windsor, $160,000, home • Christopher & Lisa Boyd from Kang Gene Koo & Wendy Laru, 421 Locust St, Windsor, $181,000, home • Buckley & Ruby Magnuson from Staley Richard H & Judith, 1335 Lake Cir Unit 9c, Windsor, $107,500, condo • Elk LLC from Trollco Inc, 1828 E Seadrift Dr, Windsor, $160,000, home • Bradd Keadle from Wendler Dwayne A & Jeannie A, 581 Dakota Ct, Windsor, $287,500, home • Lance & Wendy Jones from Meissinger Marvin D & Kathleen M, 220 Sequoia Cir, Windsor, $275,000, home
Megan Wachtman (970) 217-7977
Open Fri.-Sat. & Sun. from 2pm-4pm The $8,000 credit does not expire here! Credit can be used towards, landscaping, fr fence, A/C, closing cost some basement finish
Julie Stinson (970) 679-85 22-312962
PatioOpenHomes 1-4 Tues - Su
Priced from the $300’s to the $500’s 3 Extraordinary Location Fort Collins
Harmony Club
Harmony Road
Timnath
Windsor Highland Meadows Golf Cour
Crossroads Blvd
• Centerra Thompson Parkway
Robert C & Cheryl L, 5132 Saguaro Ct, Johnstown, $315,000, home • Debra King from Gillam Devl Corp, 165 Lindenwood Ave Unit B, Johnstown, Loveland $191,000, condo • Patrice Marqui• Jay & Jayme hilker from CampGomez from Ryland bell Bruce James, Group Inc, 177 Bit1450 Washington tern Dr, Johnstown, Ave, Loveland, $362,300, home $130,100, home • Robert Alexan• Celeste Ramos der from Oakwood from Carlson Travis Homes LLC, 3819 A & Sharolyn, 2056 Kenwood Cir, JohnCalhoun Ct, Lovestown, $241,700, land, $238,000, home home • Jeffrey Robbins • Steven & Marfrom Oakwood sha Kitterman from Homes LLC, 3924 Frazen Daniel J, Balsawood Ln, 2422 W 45th St, Johnstown, Loveland, $166,600, home $199,900, home • Robert & Nancy • Sandra & Kurt Nystrom from Pl Spence from Long Model Home InvestBeach Mtg Loan ments LLC, 5319 Trust 2005, 2083 Cherrywood Ln, Cheyenne Ave, Johnstown Johnstown, Loveland, $225,900, home $134,900, home • Lawrence & • Kelli Pierce Christin Wilson • Ryan Kazee from Beltran Tama- from Nelson Jason from Taylor Bryan ra L, 210 Tartan Dr, F, 2619 Rosybill Ln, D, 1314 E 19th St, Johnstown, Loveland, Johnstown, $215,000, home $197,000, home $220,000, home • Randall Longo• Megan Bucking• Robert Couture ria from Sinnett ham from Tessely from Fannie Mae, Barbara M & Robert 1909 Parkwood Dr, Justin & Abby, 127 Jennings Ln, JohnC, 4559 San Luis Pl, Johnstown, stown, $224,900, Loveland, $157,900, home $162,000, home • Travis & Monica home • Stephanie Hil• Paul Chase from Daly from Lynch dreth from Edwards Jennifer R, Michael A & Michelle, 3771 Mor- Snodgress Steven A 742 Lavastone Ave, & Paula D, 612 rison Ln, JohnLoveland, Aviara St, Johnstown, $200,200, $137,000, home stown, $169,500, home • Joseph Kuczka home • Angel Arroyo from Hauenstein from Ryland Group Mary C, 1125 Milliken Inc, 2749 White Crabapple Dr, LoveEstes Park Wing Rd, Johnland, $245,000, • Erik Maddocks home • Patrick & Mari- stown, $200,000, from Hinojosa Chris home lyn Flanigan from & Katie, 193 S Syd• Peggy Pothast Luhrs Otto R & Car• Lloyd & Suzette ney Ct, Milliken, from Jnc ContracBarber from $162,000, home tors Inc, 625 Adams ol J, 1509 Raven Cir, Estes Park, Copeland Terry M, Ave, Loveland, • Terry Mcgowan $392,500, home 4314 Cobblestone $160,200, home from Neo Tec ConLn, Johnstown, • Sherry & str Inc, 2174 Village • Christopher $188,900, home Dr, Milliken, Johnson from Miller Ronald Colburn • Frank Munson from Hart Edmund $150,000, home Bill, 2176 Westfrom Fannie Mae, Perry & Judy Rae, bourne Dr, Love• James & Nancy 510 Pebble Beach 2241 Arapaho Rd, land, $170,000, Mason from Dunlap Ave, Johnstown, Estes Park, home Marlin Todd, 1554 S $164,900, home $166,300, home Cattleman Dr, Mil• James & Ann • Merle & Frances liken, $131,000, • David & Cynthia Pumphrey from Trahome Nash from Fick Standerfer from cy Margaret, 3049 New Castle Dr, Loveland, $185,000, home • John & Nancy Larma from Weinland Homes Inc, 2005 Creede Ave, Loveland, $325,000, home • Dfwm LLC from Romero Franklin Martin Sr & Franklin, 175 Carina Cir Unit 106, Loveland, $153,000, condo • Harper Lllp from Rosadillo Vincent L & Richard V, 1801 Hilltop Ct, Loveland, $199,000, home • George & Merry Kackos from Brunner Brent & Alexa, 5000 Red Stone Dr, Loveland, $182,000, home • Forrest & Caroline Blackburn from Davies Robert R & Sharon M, 1032 Fuschia Ct, Loveland, $152,000, home • Bonnie Massey from Loveland Midtown Development I, 1834 E 9th St, Loveland, $194,200, home • Roger Waldman from Waldman Lucy M, 1054 Grant Ave, Loveland, $160,000, home • Joleen & Lowell Rhodes from Everett O Pauline M Martin Tru, 1708 Empire Ave, Loveland, $210,000, home
Loveland 22-312960
Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.
Map not to scale.
Thompson Crossing
Val Schlageter 217-346
The Group, Inc. Real Estate 223-070
www.ThePatios.com
Open Houses This Weekend - www.thegroupinc.com
TUESDAY - SUNDAY 1:00 - 4:00 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!
Priced From $324,000 MLS#607818
Call Val Schlageter 217-3464
SUNDAY 1:00 - 4:00 6104 Clearwater Drive, Loveland - Main floor master 2-sty home w/ Boyd Lake & mountain views! Casual luxury abounds in this easy flowing floor plan w/gourmet kitchen that opens to the hearth room. Master suite features frpl, si ng area & private balcony. Cherry floors, Schroll cabinetry, upgraded stainless appliances, & custom trim work. Room for your boat & cars in the oversized garage. Deck overlooking waterfall, pond & yard backing to open space! Recent appraisal at $800k.
SATURDAY/SUNDAY 1:00 - 3:00
SUNDAY 1:30 - 3:30
SATURDAY 1:30 - 3:30
SUNDAY 11:00 - 1:00
810 Village Drive, Milliken - Brand new 3bd/2ba home that backs to park & open space! Open great room feel w/ 9’ ceilings throughout. Bamboo flooring in entryway and main floor, upgraded Birch wood kitchen cabinetry w/ granite counters, center kitchen island with breakfast bar!
2528 Mary Beth Drive, Loveland - Nice 2 story in great neighborhood. Vaulted living room w/ gas fireplace. Dining room w/ slider accessing pa o & fenced backyard. Kitchen w/ breakfast bar, all appliances included. Main level u lity & half bath. Vaulted master w/ private 3/4 bath, walk-in closet. 2 other bedrooms + full bath. Unfinished basement w/ rough in for future expansion. 2 car garage w’ opener and workbench.
1586 Persian Avenue, Loveland - Striking two story w/ mtn & foothills views! Bay window in dining rm. Spacious family room w/ gas log fireplace opens to kitchen w/ 42 inch cherry cabinets, & SS appliances. Main level u lity & half bath. Custom redwood deck, raised garden & shed in fenced backyard. Master suite w/ si ng room/study + 5pc bath. Remote control ceiling fans, pullouts in all cabinets, upgraded carpet.
1230 Inca Dove Circle, Loveland - This is main level, handicap access living at its best w/NO stairs.The warm colors make the open living space cozy&invi ng. 2 beds + den& oversized garage give you all the space you need.W/ 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 open space.
$130,000s - $180,000s
$217,000
$259,000
$310,000
MLS#624598
MLS#625336
MLS#624153
MLS#622460
Call Kelli Couch and David Rand 310-8804; 430-9505
Call Don A. Riedel 679-8265
Call Don A. Riedel 679-8265
Call Kathy Boeding 231-9073
SATURDAY & SUNDAY 12:00 - 5:00 939 Snowy Plain Road, Fort Collins - This 2-story offers approx 2496 finished sq + a full unfinished bsmt. 3 beds + a lo , 3 car tandem garage, hdwd flrs thru most of the main level, gas FP, granite counters, oil rubbed bronze door hardware, plumbing fixtures & ligh ng pckg. Upgraded carpet & black kit appl, laundry sink, W/D incl. Lg front porch, front yard landscaping & rear yard fencing inlc. Views of Pelican Marsh.
$342,000 MLS#626295
Call Ma Thompson 443-9910
SUNDAY 1:00 - 3:00
SATURDAY 12:00 - 2:00
SUNDAY 2:00 - 4:00
5258 Rangeland Avenue, Loveland - Beau ful ranch style home with all the fine quali es you will find in a Keirns Construc on home!Fabulous quality throughout!You will enter into a very open floor plan,vaulted ceilings,wonderful kitchen with Tharp cabinets,Cambria countertops,sleek black appliances including the refrigerator.This home is complete with tandem 3 car garage,front yard landscaping,A/C & covered back pa o.
994 Longspur Street, Loveland - New construc on 3BR, 2BA ranch style home w/ 1954 finished sf & 1814 sf in the unfin bsmt w/ 9 walls. Covered entry, 24x26 2 car garage, vaulted or 9 ceilings, hickory floors in kitchen, dining & traffic pa ern. Kitchen boasts alder cabinets, full le backsplash, solid granite counters & island, w/ ss appliances. Stamped concrete porch, driveway & covered pa o. Neighborhood pool & park.
4490 Fruita Drive, Loveland - Master bdrm &office w/ beau ful, builtin shelves on the main level + 2 addi onal bdrms in the fin bsmnt.The kitchen is sure to please w/ skylights, granite counters & SS appliances. Pergola covered pa o. W/ no neighbors behind, you will find this spot perfect for quiet evenings or for gathering friends for summer BBQs. That’s not all-wait un l you see the 726 sq garage, fin w/an epoxy sealed floor, heat & water.
$344,900
$359,999
$369,000
MLS#607235
MLS#607067
MLS#627820
Call Mark Moran 218-1891 PRICE REDUCED!
Call Cindy Ku n 391-4735 PRICE REDUCED!
Call Kathy Boeding 231-9073
SATURDAY 12:00 - 2:00
SATURDAY 1:00 - 3:00
SATURDAY 1:00 - 3:00
4927 Valley Oak Drive, Loveland - Impeccable waterfront home! Formal living rm, formal dining w/ coffered ceilings, gourmet kitchen w/ granite counters, under cabinet ligh ng & maple cabinets, master suite w/ dual closets & 5pc bath & finished daylight basement w/ wetbar & gas fireplace. Large deck, flagstone pa o & manicured landscaping w/ invisible fence.
542 Deer Meadow Drive, Loveland - Quality custom from Aus n Signature Homes. Enjoy the final opportunity for a lifestyle on Mariana Bu e Golf Course! Golf course lifestyle with no membership fees. Peaceful, quiet se ng with tranquil views that overlook the golf course, water and the front range.
530 Deer Meadow Drive, Loveland - Quality custom from Aus n Signature Homes. Enjoy the final opportunity for a lifestyle on Mariana Bu e Golf Course! Golf course lifestyle with no membership fees. Peaceful, quiet se ng with tranquil views that overlook golf course, water and the front range. Robert Walkowicz 377-4945.
$785,000
$895,000
$899,000
MLS#620264
MLS#612343
MLS#604136
MLS#586010
Call Kurt Faulkner 690-4226
Call Mary Laing 690-7288
Call Jim Muller 443-5140
Call Nancy Walkowicz 461-7136
$700,000
Online version of publication at www.thegroupinc.com containing links to detail pages for most listings. rado rn Colo Northe Source
tate Real Es w w w.
20-312541
thegr
oupin
c.com
Saturday Reporter-Herald May 15, 2010 E4
H&RE
Real Estate
Realtors learn to use social media RHEMA MUNCY SPECIAL SECTIONS REPORTER
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Photo courtesy www.fredcavazza.net
Above, the different social media networking websites available. The real estate industry is learning to utlize these tools for the businesses and to create a presence online. ence with social networking.” Thompson has even made a few sales via his connections from social networking. “I try to provide good, quality, relevant information and I try to make it easy to understand,” Thompson said. When he builds his online marketing presence, Thompson focuses on staying authentic. “Be yourself,” he said. “I like to keep it light hearted and fun. It is more personal and more about developing relationships then it is about doing hard business.” Thompson’s online presence has not decreased his face-to-face or phone call meetings. “A lot of times I meet somebody at an event and I will become friends with them on Facebook or
Twitter and then I have a conversation starter when I see them next,” Thompson said. Debb Manderscheid, a Realtor with Re/Max Alliance in Loveland, has a personal Facebook page and is launching a business Facebook page with the intention of connecting with Realtors from around the world on the Re/Max international Facebook page. “I would prefer to do that on a business basis instead of social,” Manderscheid said. “I am sure they don’t want to know when my child’s birthday day is.” She also has a Twitter account and a LinkedIn page as well as a blog that she updates about once a month. Manderscheid works with both seniors and new homebuyers, so
she utilizes many different marketing avenues to reach audiences. She commented that a lot of social media is not relevant for the senior community but she can network with new home buyers through their online hangouts. She also advertises with traditional media. Manderscheid appreciates the value social networking adds to her business for connecting with certain clients. “I have gotten referels form people out of Georgia because I am on Facebook,” she said. “That kind of stuff is tremendous value. It comes back to what market do you play in. You have to get in at the ground floor and just gradually climb up to get different types of clients. We all need to look to the future.” 20-312074
avigating social media websites can be a challenge both in personal and business situations. At the monthly Loveland-Berthoud Association of Realtors meeting on May 13, Realtors learned about how to create an online presence and make their business accessible to new and old clients. Drew Shope, a social media specialist and founder of Thrive Social Media in Denver, helped unravel some of the mysteries of social networking for the Real Estate industry. The main goal of his seminar was to get local professionals to connect all of their social networking back to a business blog. This blog would offer relevant articles on local topics either via written text or video discussions. Shope added that social media is about connecting with people and not doing all of the talking. It is not a place for in-your-face business promotions. On his blog at www.thrive socialmedia.com, Shope asked Realtors to stop posting their listings all of the time via tweets from the website www.twitter.com or on www.facebook.com updates. Both are social networking sites used by millions of people to connect with others. “Readers care about you, not your listings,” Shope wrote. “They don’t want to be sold to. They don’t care about how great of a
business person you are. They care about you and how you act and treat them.” Instead of attempting to use social media as an advertising space, Shope recommended that Realtors provide valuable content and stay active on the websites that will increase Google Index standing. Shope explained Google Indexing as a ranking system on the search engine. Whenever someone types in their name, the most active sites will receive top placement on the initial search page, a place where consumer’s eyes linger for only a few seconds. If a Realtor’s name is not at the top of the page after their search, they may risk losing a customer. The Group, Inc. Realtor Matt Thompson utilizes social networking to explore different avenues of marketing. He uses LinkedIn, a business connection website; Facebook, a primarily social website; Twitter, a mini-blog confined to 140 characters per post; and his own personal blog where he writes articles about issues in the Real Estate industry. He uses Facebook for 90 percent personal and 10 percent business purposes. He uses LinkedIn and Twitter for Real Estate related topics. “I get some feedback on Twitter mostly and a little bit of feedback on Facebook and not a whole lot on my blog posts,” Thompson said. “I think it is pretty valuable. It is just another tool of non-traditional marketing to try and do business. I reach a different audi-
saturday PRICE
LOCATION
ADDRESS
HRS
sunday OFFICE
PHONE
PRICE
LOCATION
ADDRESS
HRS
OFFICE
PHONE
$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
$175,000
JOHNSTOWN/ MILLIKEN
810 VILLAGE DR
1-3
THE GROUP, INC.
$184,900*
NW LOVELAND
3399 FOSTER PLACE
12-5
THE COTTAGE REALTY 532-5900
$217,000
SW LOVELAND
2528 MARY BETH DR
1:30-3:30 THE GROUP, INC.
$227,900
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 532-5900
$264,950
NW LOVELAND
4475 HAYLER AVE
12-5
THE COTTAGE REALTY 532-5900
$278,000
NW LOVELAND
2055 RIDGEWAY CT
1-3
RE/MAX ACTION BROKERS
217-1444
$300,000
SE LOVELAND
1294 INCA DOVE CIRCLE
1-4
COLDWELL BANKER
566-9716
$310,000
SE LOVELAND
1230 INCA DOVE CIRCLE
11-1
THE GROUP, INC.
231-9073
$149,900* NW LOVELAND
43RD & WILSON AVE THE COTTAGES AT 12-5 ENCHANTMENT RIDGE
THE COTTAGE REALTY 532-5900
$169,900* NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY 532-5900
810 VILLAGE DR
1-3
THE GROUP, INC.
$184,900* NW LOVELAND
3399 FOSTER PLACE
12-5
THE COTTAGE REALTY 532-5900
$227,900
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 532-5900
$259,000
SW LOVELAND
1586 PERSIAN AVE
1:30-3:30
THE GROUP, INC.
$264,950
NW LOVELAND
4475 HAYLER AVE
12-5
THE COTTAGE REALTY 532-5900
$300,000
SE LOVELAND
1294 INCA DOVE CIRCLE
10-4
COLDWELL BANKER 566-9716
$324,000
SE LOVELAND
4635 TARRAGON DRIVE
1-4
THE GROUP, INC.
217-3464
$324,000
SE LOVELAND
4635 TARRAGON DRIVE
1-4
THE GROUP, INC.
217-3464
$342,000
FORT COLLINS
939 SNOWY PLAIN ROAD
12-5
THE GROUP, INC.
443-9910
$342,000
FORT COLLINS
939 SNOW PLAIN RD
12-5
THE GROUP, INC.
443-9910
$359,999
NW LOVELAND
994 LONGSPUR ST
12-2
THE GROUP, INC.
391-4735
$344,900
NW LOVELAND
5258 RANGELAND AVE
1-3
THE GROUP, INC.
218-1891
$785,000
NE LOVELAND
4927 VALLEY OAK DR
12-2
THE GROUP, INC.
690-7288
$369,000
NW LOVELAND
4490 FRUITA DR
2-4
THE GROUP, INC.
231-9073
$424,900
NW LOVELAND
1554 HOMELAND ST
1-3
COLORADO FRONT RANGE REALTORS
589-1626
$574,900
NW LOVELAND
514 W 29TH ST
1-3
ARMSTRONG REALTY 388-7888
$700,000
SE LOVELAND
6104 CLEARWATER DR
1-4
THE GROUP, INC.
$895,000
SW LOVELAND
288 RESERVOIR DR
1-4
PREMIER LIFESTYLE 481-5512
$175,000
JOHNSTOWN/ MILLIKEN
310-8804
679-8265
$895,000
SW LOVELAND
542 DEER MEADOW DR
1-3
THE GROUP, INC.
443-5140
$895,000
SW LOVELAND
288 RESERVOIR DR
1-4
PREMIER LIFESTYLE 481-5512
$899,000
SW LOVELAND
530 DEER MEADOW DRIVE
1-3
THE GROUP, INC.
461-7136
To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050
310-8804
679-8265
690-4226
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 May 15, 2010 E5
H&RE Regional Real Estate Report INSPECT *
REGIONAL SNAPSHOT FOR LOVELAND/BERTHOUD RESIDENTIAL Jan, 2010
Feb, 2010
March, 2010
Active Listings Previous Year Active Listings
941 970
1042 1010
1099 1099
Number of Sold Listings
57
80
126
$195,000 $236,000
$192,500 $195,000
$234,500 $220,000
Average Days on the Market (ADOM) Previous Year ADOM
133 109
125 127
123 123
Year to Date Listings Sold Previous Year YTD Listings Sold
57 56
137 143
263 231
$13,173,437 $14,957,944
$19,241,626 $21,741,273
$34,334,746 $22,712,094
REGIONAL SNAPSHOT FOR LOVELAND/BERTHOUD ATTACHED DWELLING Jan, 2010
Feb, 2010
March, 2010
115 84
133 96
125 115
8
12
16
$129,500 $65,000
$146,900 $140,000
$150,000 $125,000
Average Days on the Market (ADOM) Previous Year ADOM
91 91
107 97
108 102
Year to Date Listings Sold Previous Year YTD Listings Sold
8 2
20 12
36 20
$1,103,400 $233,000
$1,868,700 $1,455,050
Active Listings Previous Year Active Listings Number of Sold Listings Median Sales Price Previous Year Median
Monthly Volume Previous Year Monthly Volume
$2,475,100 $1,130,656
* Updated statistics will be available after the 15th of each month.
cash) or he has a sizeable chunk of skin in the game and is therefore unlikely to walk away from it. From Page E1 To the buyer broker’s point, it’s entirely possible that the contract your son signed did not give your son has been well served by him the right to cancel the deal his real estate agent. The conbased on a credit score. That’s tract should have provided for not a typical clause in a purchase ways for your son to exit the deal agreement. So, if your son canwithout all this drama. cels the deal because of that, or First, what does the contract for any other reason other than say? On what conditions would it those specifically detailed in the permit your son to cancel the contract, he may open himself up deal? Your son may wish to speak to a lawsuit. with a real estate attorney who The best bet for your son is to can help him figure out what his talk to a real estate attorney to options are. review his options. He may have I’m hoping there are ways for the right to terminate the conyour son to cancel the deal even tract for various reasons specified now. First, he might be able to in the contract. Frequently, boilsimply decide not to make any of erplate contracts that include a the repairs requested by the buyseller-financing provision will also er. If he is not obligated in the permit the seller to approve the contract to fix anything, he can buyer’s credit. The only way your just say no. son will know if he is legally able If he refuses to fix up the home to terminate the contract is to and take care of these problems, talk to a person who can look out then the buyers will have to defor his interest. cide if they want the house in asQuestion: In a recent story, you is condition. Since everyone said that purchasing an appraisal wants a perfect house for the from a professional appraiser money, it’s likely the buyer will would be a “waste of money” walk away. since the bank will require their Can your son request a higher down payment to compensate for own appraiser. I disagree. A smart buyer the low credit score? If the contract specifies only that the seller should order a professional appraisal from an independent apwill offer owner financing, then the terms of that financing might praiser, because the online value be up for discussion. Asking for a services are unreliable and often significant down payment will en- inaccurate. Real estate brokers earn a comsure that the buyer either walks (because he doesn’t have enough mission based on sales price of
GLINK
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NEW NORTHERN COLORADO HOMES ST
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sional independent appraisal is benefit of hiring your own apoptimally what you’d want to do, praiser to assess the value of it’s a waste of time and money in property before buying it isn’t the real world, something that worth the cost, except in some the appraisers haven’t been able circumstances: You’ll need a proto get their minds around. fessional appraisal in the event of a death for the estate. You’ll also And, while I’d never recommend getting an online appraisal, want to appraise commercial because I agree that they’re unre- property, or any other type of property that would be valued on liable, the bank is going to reincome in addition to local marquire its own appraisal of the ket conditions. property and won’t accept the buyer’s independently purchased What a buyer really needs to do appraisal. is make sure that the contract inAlso, relying on sites that gencludes an appraisal contingency erally indicate the value of propclause. That way, if a property erties can be misleading. Those doesn’t appraise out — which is websites frequently have inaccu- happening more frequently these rate information, and the values days — the buyer can withdraw for properties can vary greatly. from the deal without a penalty. But if you’re a buyer and you Certainly, there’s a role for apobtain an appraisal before you praisers in commercial real estate make an offer for a property, transactions and other parts of you’d wind up paying for two ap- the real estate market. But we’ll praisals, or $900 to $1,000, and have to agree to disagree when it for what? comes to real estate appraisals. While an appraisal is of some value to lenders, who must IN BEAUTIFUL 7 LAKES have some sort of written “proof” of value, in most major metropolitan areas where there are frequent purchases and sales, a buyer working with a good real estate agent will have a pretty good idea of 3260 Westerdoll Ave the value of a property. In fact, Custom 2 story with beautiful open floor frequently those appraisers plan, 4 bed, 3-1/2 bath with master on that work for lenders will obtain some of their information main level. finished basement, fenced and landscaped. $365,900. for an appraisal from the real estate brokers in the transacCall for appointment tion. 970-669-0598 or I think that the marginal Cell 970-219-9047
LA LO ND W ’S 30 NE 0’ W S E
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17-307586
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the home and may have other reasons to focus the buyer’s attention on another property where they will earn a higher commission. Unpaid broker price opinions (also known as BPOs) are very risky. With thousands or tens of thousands of dollars at risk, $350 to $450 is money well spent for an independent professional opinion of value. Buyers spend that much for a home inspection or a sewer scope. Bank-ordered appraisals must now go through appraisal management companies (AMCs), and these companies hire the cheapest appraisers and require short completion deadlines for appraisals used to make loans. This means that the lender ordered appraisals may be declining in quality, and the appraiser may be afraid to conclude a below-contract price for fear of reprisal and loss of work from the AMC. I would recommend ordering an independent appraiser before making a purchase offer. If the appraisal is higher than the price you wish to offer, you’ll be happy. If it is lower, the buyer can use it to negotiate the purchase price to more favorable terms. Either way the buyer is better informed and is less at risk of overpaying for the property with an independent professional appraisal report. Answer: You must be a professional appraiser. While you’re right that a profes-
E 29th St.
8 B
1 8 BUILDERS
LOW MAINTENANCE PATIO & SEMI-CUSTOM HOMES Mon-Fri 11-4 • Sat & Sun 12-3
56 287
THE REMEDIATION PROCESS Some problems may be significant enough that buyer wants them fixed before moving to contract — or to closing, if an offer has already been made. “Start at the top of the list with safety issues, such as GFCIs and updating the wiring/electrical panels,” Ramos said. “Almost as important is anything water-related. When you have leaking plumbing, it leads to one of two things: mold or wood rot,” Ramos said. “Water and water damage cause a significant amount of property damage.” There’s no harm in becoming well-versed in the inspection process. “The most I’ve ever worked with a client was three houses, maybe once or twice,” Ramos said. “It’s a little more common to get a repeat customer, but they’re usually a little more educated the next time around.”
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
SW LOVELAND @ HWY 402 & WILSON
Marketed by Glen Marketing Lisa Moore - Connie Gliott
970-663-4522
D.E. BURNS CONSTRUCTION Quality • Integrity • Experience • Reputation
970.669.8386
18-312961
Monthly Volume Previous Year Monthly Volume
return savings between $200 and $500, if recommended upgrades are implemented. An inspection can uncover problems or major repairs needed on big-tickets items, such as roofs or the exterior of the structure, which can run anywhere from a few thousand dollars to more than $10,000, according to Ramos.
N. Madison Av.
Median Sales Price Previous Year Median
“I would say to anyone buying a house that you should get an inspection,” From Page E1 he said. “They provide a lot of information that you’re “If you can, get a referral not able to get on your own. from someone you trust that Don’t think that you’re makdoesn’t have a vested intering a financially good deciest in the closing transacsion by saving that money by tion,” Ramos said. Find not getting an inspection.” some others, as well, to comAdded Ramos: “It’s kind of pare. like an investment.” Be sure to ask how long the inspector has been in INSPECTOR GADGETS business and if you can see a A more general way to assample report. A lot of times sess an inspector it to look you can tell a lot of how an at the inspector’s business as inspector inspects by reading a whole. their report, Ramos said. “If an inspector is willing Ed Robinson, a Wichita, to invest a lot of money in Kan.-based real estate attor- their business, they’re seriney, worked to introduce and ous about what they do,” help pass new legislation in said Ramos, who said he has Kansas that sets standards invested between $20,000 for anyone hoping to become and $25,000 in tech equipa home inspector. ment for his business. “It “Before this law there was helps me find more potential no regulation. There was issues for my clients,” he nothing in Kansas that said adds. ’This what you need to do to Infrared meters, for inbe a home inspector,’” stance, can detect moisture Robinson says. As of Jan. 1, by variances in wall and ceil2010, home inspectors in ing temperatures, in addithe state must register with tion to finding missing insua state board and meet mini- lation and potential probmum performance and edu- lems with heating and coolcation requirements. ing systems, Ramos said. “[Inspectors] have specialSpecific recommendations ized knowledge, and people for improving the energy effirely on them to make impor- ciency can be obtained from tant decisions,” said Robina professional home energy son, adding that buyers auditor, which can cost beshould consider inspections tween $200 and $600, dea necessity, not an option. pending on home size, and
Saturday Reporter-Herald May 15, 2010 E6
H&RE Front Range Gardening
Add annuals for drama in the garden Gardening for all ages walls. • Wax Begonia ‘Coco White’ is a double bloomer that took first in its class. f you want to add zest to your land- This elegant plant adds a formal touch with snow-white, double blossoms over scape but aren’t ready for a longdark burgundy leaves. term relationship with a perennial, Spectacular in a container by itself, plant annuals. These one-year wonders this plant should be placed near your light up the garden with blooms or foentranceway to welcome visitors with liage that make them the darlings of beauty. summer. • The best Calibrachoa, ‘MiniFamous For those that do well under ColPink,’ is a pretty in pink bloomer that orado’s harsh conditions, look for the covers itself in flowers. Bright, neon best from Colorado State University’s pink color glows in sunlight, transformAnnual Trials. Held yearly up near the ing your borders and beds into showcampus in Fort Collins, the trials test plants in pots and in the ground to de- stoppers. Pop them into containers and termine which will stand up in our heat. they’ll fill the pot, cascading over the rim in a hot summer display. Here’s a top ten list of annuals for • Petunias are popular choices, and your garden this year: ‘Supertunia Vista Silverberry’ should • Bracteantha ‘Strawburst Yellow’ top your list of must-haves for containtook best of show, wowing the judges ers and groundcovers. A spreading with stunning good looks all summer long. The canary yellow, prolific blooms petunia, this plant captures the eye with silvery blossoms streaked with are very large, held proudly above the foliage. But this strawflower is no dainty dark violet. Strong in what judges refer to as flower power, this petunia will beauty queen; it was the only plant in the garden that came through a devas- amaze you with its vigor and desire to bloom. tating hailstorm while still looking • ’Velocity Blue’ salvia brings deep good. • Alternanthera ‘Red Thread’ won the blue flower spikes to the garden, adding height and texture to the Novelty class, with colorful foliage of planting. Early to flower, this salvia green and dark red. Long, thin leaves is an easy-care plant, with no need are so dense the compact little plant to deadhead. Plant in groups for looks like a fuzz-ball, and looks best best display; this plant stays complanted in groups of three or more. In pact and well behaved. mixed containers Red Thread adds • Hot spots can turn up the heat quirky texture, but its true strength is as a unique plant that spills over rock with the addition of ‘Profusion CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY
I
Coral Pink’ zinnia, a tough plant for sunny locations. Loaded with soft pink flowers, as the blossoms age the color changes, adding several shades of pink for a multi-hued effect. Unlike many zinnias, Profusion Coral Pink resists powdery mildew. • Geraniums have a place in many gardener’s hearts, and ‘Caliente Orange’ will win yours with its vibrant orange flowers and spiky petals. Dark green foliage contrasts perfectly with the intense color of the flowers, making this a standout in the garden. • For the name alone, ‘Dark Angel Dracula’ is an annual dahlia that will make it into my garden. The wine colored flowers and dark foliage add drama to containers, or depth to a planting of mixed annuals. • The Best New Variety of the trials was Gomphrena ’Fireworks,’ a name well suited to this quirky flower. Like traditional gomphrenas, the blooms start out ball-shaped, then stretch clusters of small globes outward to resemble an exploding firework. Yellow anthers add accent to the purple blooms.
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
To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place your ad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com
Duplexes 4060 Houses Apartments/ Unfurnished 4030 2 BDRM, 1211 Redwood, 3 Bdrm 1 ❒■❒■❒■❒■❒■ Huge 2 & 3 Bed Apts Open layout, lots of storage. Near Wilson & 34 Call Lakemont today. 970.667.1644
Apartments/ Unfurnished 4030 1 rm, Studio+ Vintage apts 0 utils! On-site mgmt. W/D, DirTV $333-590 970-219-8162 1 BDRM 1 BA, LARGE. Newlisting! Near Lake Loveland. No smk/pets. $500/mo includes utilities. 970-667-9007 1 BDRM, 604 E Eisenhower $495. Util inc, new carpet rmpm.com 970-669-0842 ✭1 BDRM apts. Clean!✭ Laundry & garage avail. No smk/pets. $500/mo. Call. 970-231-2566 ✭No Fri eve/Sat calls✭ 1 & 2 BDRM, quiet, near HP. LOVELAND´S BEST FOR THE MONEY Garage with storage, A/C. Coin-op. $505 & $555. No pets. Call 970-669-3826. 2 & 3 BDRM, cent. loc. New carpet/paint. Fncd yd, N/ P.Ht/Wtr pd! 970-308-7387 2 BDRM, 1.5 ba, 4 plex. N. Lvld. Pet nego. $635, Water pd avail 6/1. 970-669-2269 2 BDRM, 1 BA, heat paid, no pets, 1656 E 16th St $550/mo FPI 970-663-4664 2 BDRM, 1 BA, no pets, 1125 Gard Pl #1, $575/mo FPI 970-663-4664 2 BDRM, 1 BA, no pets, 1145 E 5th St. New remodel. $535 FPI 970-663-4664 2 BDRM- 3526 Butternut, $550/mo. 2-Story, rmpm.com 970-669-0842 2 BDRM- 3645 Butternut, $550/mo, Bright, NICE! rmpm.com 970-669-0842 2 BDRM- 529 E. 13th, $475/ mo. Cat ok. Wall A/C. rmpm.com 970-669-0842
Foothills Apts 2 Bdrm Apartment Homes. ● Available Mid-June ● Newly Updated ● Includes Washer & Dryer ● Park-Like Setting ● Garages Available
1913 W. 15th St. 669-7850, Sorry no pets ✭2 BDRM- Gar w/opener, W/D, DW. No smk/pets. $700 incl heat & water Call, 970-231-2566 ✭ No Fri Eve/Sat calls ✭ 2 BDRM Townhouse Aptwith DW, W/D hkups, patio & storage shed. 1408 S. Douty. (South of HP). Loveland, CO. No pets. $535/mo. 970-667-2571
$695/mo. Finished bsmt rmpm.com 970-669-0842 2 BDRM, 1807 E. 16th, $530/ mo, W/D hookups, Call rmpm.com 970-669-0842
4080
Loveland
Ba Ranch-Style Home-NW Loveland! Hardwood floors,great fenced yard,quiet! $1195 drakemanor.com 970-493-4052
3 BDRM 2.5 ba + loft, Beautiful newer home! up❒■❒■❒■❒■❒■ 2 BDRM, 1 BA, 1 car gar, graded kitchen, 2 car, A/C, no pets. 140 Mountain Ash no pets, Centerra, $1250/ mo. 970-797-2518 3 BD or 2 BD- Free rent! Pl. 12 mo, $650/mo Pets nego. Quiet & spac. FPI 970-663-4664 $625-$695. 970-223-1349 On Mariana Golf Course. Exec 3 BDRM, 3 ba, 2 car, 2 BDRM- 2531 Garfield, 3 BDRM, 2 bath, $745vaulted, office, many up$565/mo, pets nego ALL utilities included! grades, must see. No pets/ 2 ACRE LOT, Berthoud rmpm.com 970-669-0842 2nd story, end unit, large smoke. 970-663-7474 area, $30K price reduction, windows with plenty of $125,000. Call Steve Conder light. 970-669-1375 for details, 303-514-3706. 3 BDRM- JUNE 1ST No smk/sm pet considered, close to library & rec cenBerthoud, 2 bdrm, ter. $875/mo. (970)613-0557 1 bath, garage. $650/mo. 303-682-3166 GARAGE- $950/mo. 2450 Sq BERTHOUD- 3+ bdrm, 2.5 ba, 2 car, theatre room, lg Ft, Commercial, 1 bath. AVOID fncd yd. $1450 970-290-4754. So Loveland, 2 BDRM w/ rmpm.com 970-669-0842 FORECLOSURE gar, heat pd, no pets. Call Don´t let time run Georgia at Kosmos RE BRICK Ranch, 3 bdrm, out. I can help. 970-667-8347 2 baths, frplc. No smk/pets. INDOOR GARAGE & Avail June 1. $1050/1 year Commercial Storage Unfurn Studio, utils paid, lease. Call, (970)669-0594 no pets, 122 E 4th St Unit 7. 20x40 or 20x50 start at $325, 9x29 w/ gar door $200; $425 FPI 970-663-4664 10x10 $75; 12x5 $50; 10x5 $40 I-25 & Hwy-66. 970-535- 6074 www.Longmont-storage.com To ensure you receive the best response to your Call Penni Zelinkoff advertisement, please with Penni Lane check your ad the first Real Estate TODAY day of publication. 40X60 SHOP- w/separate 720-935-9985 We regret we cannot be office. $1000/month. responsible for more (719)433-5095 Don´t Lose Your than one day´s incorrect Home & Credit. insertion. Billing ”I coulda saved that one!“ 800-6400 sf w/ offices, ba, inquiries can be .shortsalesfrontrange.com ally access, load. dock, 3initiated within 30 days Front Range RE Brokers. phase power, 5200 sf fncd of ad expiration. (970)215-1174 storage incl, 14x16 doors, EQUAL HOUSING live-in approved. $600-$3600 or purchase 303-931-1956 OPPORTUNITY All real estate Approx 700 SF, 2nd floor advertised in this Storage/Office, NW corner ALL Real Estate Help paper is subject to the Bunyon & 1st , Berthoud. BUYERS / SELLERS federal and state Fair $575/mo + dep 970-532-2652. www.answerstorealestate.com Housing Act which 2 BDRM, 1109 E 4th, Contact Debb M 970-215-8564 makes it illegal to $495/mo. Newer carpet. RE/MAX Alliance advertise “any Approx 800 SF, 1st floor rmpm.com 970-669-0842 preference, limitation commercial/office space. or discrimination Mountain Ave., Berthoud based on race, color, $700/mo + dep 970-532-2652. religion, sex, handicap, ✭ 2 BEDROOM Home ✭ familial status or $575+dep. West Hwy 34. national origin, or an 970-690-9049 FOR LEASE: Loveland intention to make any Warehouse- 14,000 Sq Ft, such preference, A picture is worth mostly retail finished. limitation, or Move in May for $1!!!! a thousand words $9,000/net per month. discrimination.” NO JOKE Try a classified picture Call (970)535-6074 Only 3 homes available, ad! Call for details The newspaper will Quick & Easy Approval Loveland WAREHOUSE970-635-3650 not knowingly accept Look today, MOVE TODAY 3500 SF $2500 - 14,000 SF any advertising for Call 970-482-8488 wac $7500. Mostly retail real estate which is in finished. Call 970-535-6074. violation of the law. NEW HOMES REDUCED! BANK OWNED- 4 bdrm, All persons are hereby 2 bath, new carpet, paint & Don´t miss out on this informed that all appliances! $ 179,900. SAVINGS EVENT! Easy dwellings advertised Re/Max Alliance, approval, quick closings & are available on an Wanda Quaid, 970-481-3033 affordable payments. equal opportunity Tax ID´s welcome. Limited basis. availability ACT NOW!! SELLING YOUR 2 BDRM- 4039 Don Fox Call 970-420-8488 *wac $1195/mo. On golf course USED CAR rmpm.com 970-669-0842 is easier than you think 1 Bdrm + Office/Den when you let classifieds Vintage Home on help. Hundreds of used 1.1 Acres! New carpet, 2 Bdrm + Office Beautiful car shoppers turn to the lg kitchen, fenced, attic & 2 Ba Townhome. Near classifieds everyday. The OFFICE, RETAIL, cellar storage! $850 Centerra/I-25! Deck w/ car you no longer want INDUSTRIAL. UTIL´S drakemanor.com views, all the +s! $1095 may be just what INCLUDED. 970-744-8763 970-493-4052 drakemanor.com someone else is 970-493-4052 dreaming of. To sell your car, try a classified ad NO TAX CREDIT ~ and get results 3 Bdrm- 2.5 ba, 2122 SW 3rd, NO WORRIES Fast, Very Fast $950/mo. Unf bsmt 2 CG. Still great reasons to buy! Call 635-3650. rmpm.com 970-669-0842 ~ Low fixed interest~ Home prices still low~ 100% financing~ Build equity. FIND YOUR Quick, easy & free to DREAM HOME qualify. Give us a call in the classified today and we´ll get columns. That’s where you started! you’ll find a complete Ken or Tammy listing of the best the Western Plains Realty area has to offer. 970-663-5008 reporterherald.com Call 635-3650
Lots & Tracts
Garages/Storage Spaces 4070
5100
Real Estate Services 5109
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Commercial Industrial 4040
Houses
5110
4080
Mobile Homes/ Spaces 4090
Condos/ Townhouses 4050
Office Space 4100
Eagles Extra Online
Loveland
5110
ENTERTAINING DREAM HOME Enjoy 3300 SF of living space all on one level. This stucco home offers that & more with a huge sunken master bdrm w/fireplace & 5 pc. bath w/jacuzzi tub, the sunken living room opens to the tiled patio that´s covered for all your summer entertaining with views of the beautiful manicured landscaping. The gourmet kitchen w/ Jennair appliances & eat in area is every cook´s dream & opens to the family room & wet bar area. Two add´l bdrms each have full baths plus there is a powder bath for your guests. The large unfinished bsmt gives this home unlimited potential & a 3+ car garage completes the total package! $630,000. Call Joe Tarantino at Tarantino Company (970)669-8600 or 970-481-9578
OPEN HOUSE Sunday 1-3 514 W. 29th Street, Lake Loveland property. 3 bed. 2 bath, 4 car, ramp, dock, lg. fam. room, 2 lg. decks, prof. landscaped yard. Price Reduced to $574,900. Armstrong Realty 970-388-7888
Mobile/ Manufactured Homes/ Spaces 5130 ✭ MOBILE HOME ✭ SPECIALS Many single & dbl wides/ Big Sale! Fin avl, auto approval on owner fin homes. Bad credit OK! We´re buying too! Local park needs used mob homes. Moves avl. 970-222-1473 ✭ 690-2725 or 690-3283 ✭
Real Estate Wanted 5170 Distressed? Overwhelmed by bill collectors? Facing foreclosure? We can help. Ask for Tim 970-214-9922
Sell Your House Fast! Quick Sale - Fair Price 720-962-4688
Rural
5180
~ HORSE PROPERTY ~ 5 bdrm, 4 ba ~ 5000 sq ft on 1.5 acre ~ Johnstown. $275K SS Western Plains Realty Ken or Tammy (970)663-5008
SHARI THOMAS CSU EXTENSION, L
D
id you know that gardening is one of America’s favorite pastimes? Many people enjoy the benefits of being outside, growing their own food and feeling a sense of accomplishment and purpose in their gardens. Gardening can also provide a way of socializing with others. Sometimes, however, gardeners experience physical or other challenges which limit their ability to pursue these activities. Karen Spencer, an Occupational Therapist at Colorado State University, recently held a workshop to discuss strategies to enable gardeners of all ages and with all abilities to pursue and enjoy their favorite pastime. These strategies are known as “adapted gardening.” Gardening is very physical. Gardeners bend, stoop, reach, lift and carry, using many parts of our bodies, and gardeners are often outside in the elements. There may be specific individual conditions that affect someone’s ability to garden, such as an inability to stand or bend over for long periods. On the other hand, there may be characteristics of the physical environment that limit gardening — have you ever tried to dig a large hole in our hard-pack clay? Or found yourself suffering from too much sun? Generally, it is easier to change the characteristics of the physical environment to match the abilities of the gardener. Consider building raised beds or containers/ window boxes for an easier reach for someone gardening from a chair or stool. Wider walkways between beds would provide better access for a wheelchair or scooter. Maybe a partial sunshade would make being in the garden more comfortable. And don’t forget about tools. A wheelbarrow may be too big and unwieldy, but a bucket or canvas tote may be just right. Adapted gardening means the experience may happen in a new or modified way. It will help to be flexible and creative to find what works. Before you make changes, make sure you understand the problem first and consider many solutions carefully before choosing one. Some very interesting new tools are available but may not be exactly what you need. By using adaptive gardening principles, nearly everyone can enjoy this favorite pastime. To see a nice example of an adapted garden, visit the garden adjacent to the Occupational Therapy building on the CSU oval. Thomas has received training through Colorado State University Extension’s Master Gardener program and is a Master Gardener volunteer for Larimer County. For more information, call 970-498-6000 or visit www.larimer.org/ext.
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between owners and brokers prior to the filing of a lien, and certainly before foreclosure of a lien. To this end, a broker must serve a notice of intent to file lien at least thirty days before he or she may record the lien. Before a broker's lien attaches to commercial real estate, the broker must make a good faith attempt to obtain settlement through non-binding mediation. The Broker Security Act includes several protections for property owners. Specifically, the Act incorporates an existing spurious lien statute which provides substantial remedies to an owner faced with a fraudulent or spurious lien. In addition, an owner may file a bond or other assurance in an amount equal to one and a half times the amount of lien plus other costs as approved by a district court judge. Once a bond or other assurance is filed, the lien against the owner's property will be discharged, permitting the owner to sell or borrow against the property while at the same time providing the broker with assurance that if he or she prevails in an action against the owner, funds will be available to satisfy the judgment. Other deadlines in the Act ensure that a broker's lien will not cloud title to the property any longer than necessary. For instance, a broker may not file a lien later than 90 days after the procured tenant takes possession of the leased property or 90 days after the broker's commission is due, whichever is later. In addition, a broker must begin judicial foreclosure proceedings within six months after a lien is recorded. Broker's liens will be subordinate to all valid prior recorded liens, mortgages and encumbrances. In addition, the broker's lien only relates back to the date on which the lien was recorded, not the date of the listing or other agreement between owner and broker. While the Broker Security Act may substantially change the relationship between commercial property owners and brokers, a majority of states have enacted some form of broker lien law. There will likely be a period of uncertainty as Colorado's commercial real estate community and courts learn and interpret the new law, but within a few short months or years, the Act till be part of business as usual.