Real Estate Guide

Saturday Reporter-Herald May 29, 2010 E1

Real Estate Matters

www.realtyguide.com • Saturday, May 29, 2010 • Reporter-Herald

Splitting home mortgage responsibility ILYCE GLINK TRIBUNE MEDIA SERVICES

Homeownership in reach Local affordable housing meets needs LINZY NOVOTNY FOR THE REPORTER-HEARALD

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uestion: About eight years ago, my ex-fiancee and I purchased a home together. The deed is in both of our names. Since then we’ve gone our separate ways.

But she still resides in the house and I’ve paid the monthly mortgage payment.

We do not want to do anything that would jeopardize the loan terms and in particular the 5 percent rate we got on our 15year loan. Our loan balance is only about $65,000 now. I’d like to transfer my share of the home to her, and I’m still willing to accept the financial obligation either directly to her or the bank for the mortgage.

The issue is that although she has a great credit history and score, I am not sure the bank would transfer the current loan to her since she’s self-employed and does not have a high enough income to qualify on her own.

I’d like for her to own the house, but I’m willing to continue to pay the mortgage and other expenses; however, I wish to be relieved of the day-to-day home responsibility. I understand that if my name stays on I See GLINK/Page E6

Inside this week’s Home & Real Estate Baker’s Delight

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enna MacLeod has seen her life change drastically since June of last year. Her days of making the trip up and down the stairs of her third floor apartment are over and so are the days of working two jobs.

MacLeod set her life into motion by submitting an application to Habitat for Humanity.

Meeting income requirements and displaying need, MacLeod was chosen to have a home built just for her and her daughter.

Ground breaking was in October and seven months later, her daughter celebrated her second birthday in the family’s new home.

“What a year. I have never had this happen to me,” MacLeod said. “I feel like people need to be pinching me all over.”

A co-worker, who has a Habitat home, urged MacLeod apply. Two years later, MacLeod did. She hadn’t sooner because she was unaware that she met the requirements. “[I thought] it wasn’t my time or part of the plan,” MacLeod said.

As MacLeod has shown, affordable housing is not out of reach. Rather, there are nonprofit organizations and housing developments that offer affordable homes and government funds set to offset the burdens of paying high rent.

The United States Department of Housing and Urban Development (HUD) partners with housing agencies so that low-income residents are not excluded from living in safe and decent conditions.

Low-income residents can apply to receive government funds under the Housing Choice Voucher Program or Section 8 that will supplement their rent. Applicants must earn 60 percent or less of the area’s median income. To meet this requirement, a single person household in Larimer County cannot make more than $31,560 a year, a two-person household $36,120 and a three-person household $40,620. With each additional household occupant, the allowance increases by an average of $4,290.

RH photo/Paul Litman

Loveland resident Jenna MacLeod poses with her daughter. Her Habitat for Humanity home was finished just in time for MacLeod’s daughter to celebrate her second birthday.

This income criterion differs amongst Section 8 guidelines, those set forth by nonprofit organizations like Habitat for Humanity and income requirements for affordable homes, like those sold at the Cottages at Enchantment Ridge.

SECTION 8 Section 8 provides rental assistance as well as homeownership programs. Subsidies are provided to homeowners or renters to supplement their mortgages or rent.

People who qualify for rental assistance are expected to pay 30 percent of their adjusted monthly income towards rent. For a two-person household in which $36,120, 60 percent of area’s median income, is the combined income earned in a year, the household would be expected to pay $903 in rent. On the lower end of the scale, for a two-person household whose yearly income is 30 percent of the city’s median income, $18,060, they would be expected to contribute $452 towards their monthly rent.

Section 8 will cover the portion of the rent that is over 30 percent of a person’s monthly income up to the fair market rent in the

area.

The waitlist to receive a Section 8 voucher is between two and three years, but households that meet income requirements can still live in affordable housing without the voucher. Without the voucher, households are expected to pay for their entire month’s rent, which is still at an affordable price.

Homeowners who want to take advantage of the Section 8 program must have a Section 8 voucher and show that they can afford to make a $1,000 deposit. Instead of supplementing their rent, Section 8 will supplement mortgage payments for first-time home buyers.

HOUSING AUTHORITY OF THE CITY OF LOVELAND The Housing Authority of the City of Loveland (HACOL) utilizes Section 8 vouchers and provides affordable housing through the rental properties that it owns and operates.

One, two and three bedroom rental units are available across five different apartment homes in Loveland and rents vary depending on a household's annual income and I See Affordable/Page E2

Sustainability for affordable housing Full professional kitchen for sale in local home

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Create a backyard space

RHEMA MUNCY SPECIAL SECTIONS REPORTER

Local home stager sets the backyard scene

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Director y Page E4

Green practices extend community life

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ffordable housing programs in Northern Colorado offer residents in need ownership and renting opportunities. Many organizations work together to accomplish the completion of these communities, from architects to builders to non-profits and city governments.

The need for affordable housing is increasing, according to

Housing Colorado. In 2008, 236,150, or 40.6 percent of renters, paid more than 35 percent of their income toward housing. The median income of Colorado families was $32,496.

Transportation costs can also gouge a family’s budget. The Housing Colorado 2010 fact sheet stated that in the DenverBoulder-Greeley region, the average family spends upwards of 47 percent of their income on housing and transportation costs and in suburban regions, families could spend $3,600 a year on fuel alone. Paired with income decreases, job losses and foreclosures, more families need assistance with housing and utility costs.

A recent discussion by area professionals at the Confluence: Social Responsibility and Sustainability program at The Group, Inc. in Fort Collins explored the need to utilize public and non-profit funds for affordable housing in sustainable ways.

Executive director and loan programs manager of Funding Partners Joe Rowan said that affordable housing is not just about building houses. The purpose of the programs should be to create an environment that the community will be proud of 15 years down the road.

“How do we make these projects long term so that we don’t have to go back in and put in

more public subsidy?” he said.

“We want to work with projects that provide somebody with some profit motive in order for it to get done. We are looking to deliver returns to the community.”

This return from sustainability comes from investing in the building process from the beginning of the planning stages, Rowan said.

Blake Chambliss of Colorado Housing spoke of the tough environment affordable housing projects face as they move toward sustainable building and operation practices.

“The message was that we I See Sustain/Page E3

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Saturday Reporter-Herald May 29, 2010 E2

Neighbor to Neighbor offers help to Larimer County

Affordable From Page 1

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eighbor to Neighbor is a program that has been around for 40 years, and it helps thousands of people a year off-set housing costs, Neighbor to Neighbor Program Director Lindsay Nichols said.

The program is suited for households that earn between 30 and 80 percent of the city's median income. For a single person that is between $15,750 and $41,950. A two-person household can earn between $18,000 and $47,950 to utilize the program.

Neighbor to Neighbor offers programs for renters as well as homeowners. For renters, the program offers 126 affordable housing units in Loveland and Fort Collins. These apartments are either Section 8 apartments or are considered affordable. Those who do not live in the Section 8 apartments must earn enough income to cover their entire month's rent, whereas those with a Section 8 voucher will receive funds for the portion of the rent they cannot cover up to the fair market rent for that unit.

Applicants must meet the basic income requirements, be able to pay rent on time, have a history of being a good resident, cannot use drugs or have a criminal history. If people in a household meet these requirements, they can apply for housing at the program's Fort Collins office.

For homeowners, there is a home ownership program. Homebuyer education is a program that discusses how to understand and improve credit, how to make informed decisions when it comes to purchasing a home and working with lenders and realtors. There is also the option of one-on-one pre-purchase counseling. All of these programs are free.

An option for single parents may be to utilize the services that Project Self-Sufficiency offers.

Families who wish to apply must live in Larimer family, have a single parent heading the household, meet income requirements and have at least one child who is age 13 or younger. The child must live with the parent at least half time.

Applicants must submit an application, attend an orientation and go through an interview.

Each family in the program has an advisor who assists the family in setting goals and developing a plan to become self-sufficient.

Through the Loveland Housing Authority, members of Project Self-Sufficiency can apply to live in Willow Place, which is a 20-unit apartment complex. Openings are available only to program participants.

whether or not they have a Section 8 voucher. For those with a Section 8 voucher, rents will vary depending on the area's fair market rent, and those without the voucher pay a fixed rent for an entire year.

The Housing Authority offers three different rental housing options for seniors. Those 65 and over, and are either handicapped or disabled, can apply to live in Silver Leaf I or II. Mirasol offers apartment homes to those who are 55 and older.

There is a two- to three- year waitlist for affordable rental units, and the Housing Authority is looking for ways to expand. Recently, the Housing Authority converted Old Creek Side Garden to Orchard Place, where 50 affordable units will be available for families, said Moofie Miller, Housing Authority Director of Housing. "[It's] a new place to receive affordable housing," Miller said. "[Families] live in a safe and new environment."

The Housing Authority has homes that are also available to rent, but the waitlist for these homes is up to five years.

For people who want to own a home rather than rent and display basic need, a Habitat for Humanity home may be right for them.

HABITAT FOR HUMANITY Habitat for Humanity is a non-profit organization that caters to residents who earn between 30 and 60 percent of the area's median income. That is between $15,780 and $31,560 for a single person and between $18,060 and $36,120 for a two-person household.

To apply, the applicant must have been living or working in Loveland for a year, be a U.S. citizen or legal permanent resident, have a need for adequate housing and show a willingness to partner with the organization. Willingness to partner encompasses "sweat equity" or spending on average of 250 hours building their home. The person must attend a minimum of 20 hours of homeowner education classes.

Factors that demonstrate need include unsafe or over-crowed living situations and having 40 percent of their income going to rent.

Although MacLeod was working two jobs, going to school and raising her daughter, she was able to fit the classes into her schedule. MacLeod said it was hard, but Habitat made it very easy.

Habitat had resources MacLeod had never even heard of. She took classes on credit issues, home insurance and how to stretch your dollar. Not being required, MacLeod has chosen to contin-

AFFORDABLE HOUSING RESOURCES • Loveland Housing Authority — www.lovelandhsg.org/index.htm • Affordable Housing Income Requirements — www.lovelandhsg.org/pdfs/housing_programs/IncomeLimits.pdf • The United States Department of Housing and Urban Development (HUD) — www.hud.gov/faqs/faqrenting.cfm ue taking homeowner classes. In fact, she will take part in a water irrigation class and focus on home maintenance.

MacLeod also took classes through Neighbor to Neighbor, which is a program that offers assistance to renters and homeowners.

To cover "sweat equity," MacLeod worked in Habitat's office doing projects when she had time after work and worked Saturdays on-site while her mother watched her daughter. MacLeod is amazed by how everything came together and how her drive and hard work paid off.

Because Habitat homes are not free, which is a general misconception, applicants must show that they have the ability to pay for a home. They are required to pay $750 in closing costs and monthly mortgage payments. Mortgage payments are based on what it costs to build the home, principal and escrows for property taxes, Program Director for the Habitat for Humanity Susan Briggs said.

For a home costing $110,000, the average monthly mortgage payment is $450. Also, an applicant cannot have had a bankruptcy within the last two years, have current non-medical collections or have judgments or liens. They must demonstrate a current history of paying bills on-time. MacLeod is making monthly mortgage payments that are less than what she was paying in rent.

Habitat typically receives close to 35 applications a year, Briggs said. A lot of people pick applications up, but do not turn them in.

Habitat's goal is to select 10 families a year. This year, three families have been chosen thus far. The main issue that needs to be resolved for most applicants is getting credit issues cleared up. It typically takes eight months to build a home. Homes are built after an applicant is chosen because the homes cater to the families. MacLeod's home was the 87th home built by Habitat. She said that there are around eight or nine Habitat homes in her area.

There will be a homeowner orientation at 10 a.m. June 12 at First Baptist Church where upon the entire Habitat for Humanity program will be introduced and discussed.

Briggs said she doesn’t want people to be discouraged from applying because they feel the program is "too good to be true."

"We really have the capacity to build homes and are looking for families who

qualify," Briggs said.

ASPEN HOMES If a person wants to own their own home, but doesn't want to go the Habitat route, they may be eligible to purchase an affordable home at the Cottages at Enchantment Ridge, built by Aspen Homes.

To be eligible, a person cannot make more than 70 percent of the city's median income. A single person household cannot make more than $36,820, a twoperson household $42,140 or a threeperson household $47,390.

Also, the household does not have to have a Section 8 voucher to purchase a home, but they do need to be able to pay their monthly mortgages.

The Cottages at Enchantment Ridge will offer 71 affordable houses in the development. Currently, 15 of these homes have been sold. The most popular of these homes is the Jamestown model which has three bedrooms, two baths, an unfinished basement and costs $169,900. Factoring in a 30 year loan, principle and interest, a household's average monthly mortgage payment is $870.22.

On the lower end, the Richmond model has an average price of $156,900.

This home has two bedrooms and one bath.

Not only are these homes affordable, but "Aspen homes will not build a home that is not energy efficient," Broker Ken Cook said.

The builders have experimented with different products and building methods, especially with affordable homes.

Aspen Homes receives $11,000 to $12,000 per affordable home that is built. When an affordable home is purchased, the purchaser receives $2,500 worth of free options or upgrades. If a preferred lender is used, the purchaser may also receive $900 from Aspen Homes and $1,000 from the lender.

There are several affordable housing options, but applying to Habitat for Humanity was the right choice for MacLeod.

Not only has MacLeod gone from working multiple jobs to a single one, she now has more time to spend with her daughter and to think about the future. She wants to one day run a marathon and start a college fund for her daughter. Without Habitat, these goals would still be the last thing on MacLeod's mind.

Learn the value of outdoor living spaces

• Stage the outdoor table by placing a pitcher of lemonade or cut lemons in ice water on a nice tray with glasses for potential buyers to enjoy as the house is provide the perfect opportunity to show JILL SCHUETT, HSE The more move-in-ready you can make APPLAUSE HOME ST shown. Then place a small pot of flowers the home, the better the chances off more of what your home on the maron the table center. Or, surround an umket has to offer. Staging the backyard, and for a solid offer. brella pole in the center of table with colpatio or deck as additional living space • The outside of the house, light fixhe goal of home staging in preparorful votive candles in holders and light goes a long way to create value and appeal tures, outdoor furniture and patio or deck ing a house for sale is to create a them for evening showings. in the mind of a potential buyer.

It helps must be free of dirt, grime, leaves and positive first impression by showing • Create an atmosphere by hanging them visualize living in the home so they cobwebs. off its best features. By setting a home pretty decorative metal lanterns with vowill want to put in an offer.

• Yard grass must be trimmed, edged, apart from the competition and appealing tives from a patio overhang or place a few To create that market-ready magic in de-weeded and beds freshened with new to as many potential buyers as possible, around deck railing lit for evening showthe backyard, start with these basics: wood chips and planted flowers.

Toys we increase its chances for a quicker sale ings to create a warm, welcoming feel and must be put away. at the highest price.

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Next, focus on the fabulous factors:

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Saturday Reporter-Herald May 29, 2010 E3

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Sustain From Page E1

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Photo special to the RH

This rendering depicts the future Housing at Province Towne affordable housing development in Fort Collins. Sponsored by CARE Housing and designed by John Dengler and Associates, the development will follow Green Community standards and building will be in full swing this summer.

Map not to scale.

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built bad housing and created bad neighborhoods,” Chambliss said.

“We have got to start being careful about energy efficiency. Long-term affordability is going to depend on [people’s] ability to stay in housing, and energy is increasingly an important part. Every one of these projects is not about housing but how it makes the community a better place for everyone to live in.

The goal is to house people in a neighborhood that is a community.”

Deputy director Jennifer Gremmert of Energy Outreach Colorado said a major challenge builders can face in persuading donors to invest the initial money needed to implement efficient lighting, heating and cooling in homes is the the current low cost of less energy efficient equipment. However, the average family pays between 2-4 percent of their income in utilities while families in poverty might pay between 20-40 percent of their income to utilities, Gremmert said.

To keep affordable housing manageable for the families who live in the units, maintaining low energy costs is vital.

“Making units energy efficient on the new construction side is a lot easier than making them efficient later,” Gremmert said. “What we do know is that energy prices will go up.”

Recent affordable housing projects in Northern Colorado have started to incorporate sustainable practices and varied designs. From multi-family units to single townhouses and homes, local architects are working hard to integrate affordable housing projects into the

established communities around them.

Owner of Fort Collins architect firm John Dengler and Associates John Dengler started working with affordable housing projects 20 years ago by designing The Mission homeless shelter in Fort Collins.

The firm still works with Fort Collins nonprofit CARE Housing to provide housing for the working poor.

While most affordable housing projects focus on those who meet 80 percent of an area’s medium income (called an AMI), CARE Housing works with clients who bring in a 30-40 AMI. This summer, Dengler will break ground on CARE’s current project named Housing at Province Towne in Fort Collins, a project coming to life based on a city, CSU and community created charrette.

The first phase of the project, which is what is happening now, is for 85 town homes. The structures are being built according to Green Community standards, an Environmental Protection Agency initiative to support sustainable building.

“Not only does green and sustainable mean lots of recycled material and low energy bills, it also means healthy environment, something CARE Housing feels deeply about,” Dengler said.

The design, site plan, implementation of energy efficiency and materials used on the outside and inside have high recycled content and healthy indoor materials with low VOC emissions.

“The whole concept of this being green and sustainable is a holistic philosophy, from the building materials used to the waste taken to

landfills,” Dengler said. “We always strove philosophically to build as nice of a project as you could as inexpensively as you can. A good 10 years ago I started seeing more of a shift in how people were concerned to leave less of a carbon footprint and use less energy. Early on you could do those things but it was more expensive. As time has gone on, there are so many more government programs and help from utility companies. You have to get in the know and get creative, but you can start incorporating these things and not drive the cost of the project up like it used to.”

Sam Betters, the executive director of the City of Loveland Housing Authority views the development of affordable housing as both art and science.

The science piece is the development itself,” Betters said. “Development breaks down to simple math. The artwork of creating these affordable communities is how we operate these communities. It is important to blend these things because ultimately, when you think about it, our mission is to create home and community through housing. We use the built environment to effect that sense of home and community. We have to be diligent with how we do that.

Home design is for two sets of people — the folks who will live in the developments and the people who will drive past the developments each day.

“We have a major impact on our community through what we do,” Betters said. “That impact can be positive and if we do our jobs poorly, it can be a negative impact.”

Saturday Reporter-Herald May 29, 2010 E4

H&RE Real Estate

Baker’s Delight The home was updated with new Grancrete countertops, Brazilian cherry floors on the main floor, oak flooring in three bedrooms and new fixtures in the bathroom. When they moved in, Janet said the flooring was peeland-stick tile, older cabinetry and JADE CODY wallpaper on the walls — along SPECIAL SECTIONS EDITOR with a giant iguana cage complete with a live iguana. The previith a fully functional ous owner was hesitant to take commercial kitchen, the iguana with him when he 1002 Taft Ave. in Lovemoved out, though he was finally land is perfect for a budding bak- talked into removing it. er.

The Wolfes chose the property Formerly the homebase for largely because it had a separate Cakes by Janet, a bakery run by entrance for the basement, where Janet Wolfe and her family, the her business was to be located. basement kitchen in this home is She said it was perfect for their commercially licensed and renofamily because she could look out vated for baking. Janet, along the window while working in the with husband Dave and daughter basement kitchen and keep an Bethany, created cakes and cook- eye on her daughter. ies out of their home for several As Cakes by Janet started takyears, before putting the home on ing off, Janet said the business bethe market last week. The Wolfe’s came a family affair. Dave was plan to move to California to be helping with the frosting and closer to family.

Bethany took charge of creating With 1,905 total square feet, the cream cheese mints. the home features three upstairs Janet said she learned the home bedrooms, one-and-one-half business with the help of a menbaths, an upstairs kitchen and a tor in Missouri, and that she one-car attached garage. It was would be happy to help show the built in 1960 and purchased 10 ropes to the new owner of the years ago by the Wolfes, who reno- house. “A lot of people think you just have to buy the commercial vated the entire home.

Loveland home redesigned as a turnkey bakery

RH photo/Paul Litman

Janet Wolfe stands in the basement kitchen of 1002 Taft Avenue. She used the kitchen in her business, Cakes by Janet. The home is being listed at $254,900. Below, the upstairs kitchen and living room were completely renovated. equipment and put it in,” she said. But she had to design the kitchen to meet commercial regulations, which resulted in several carefully placed drains and “literally miles of caulking.

“It’s really the ideal home business. You get to meet people in their happy times,” she said about baking cakes for weddings and birthday parties.

For more information or a tour of the Loveland home, visit www.thegroupinc.com/1002 or call Miki Roth, Broker Associate/Partner with The Group, at 970-679-1568; or Amy Lane, Broker Associate/Partner, at 970-679-1572.

22-312078

W

saturday

sunday

PRICE

LOCATION

ADDRESS

HRS

OFFICE

PHONE

PRICE

LOCATION

$150,000

NE LOVELAND

1991 GRAYS PEAK DRIVE #104

1-3

THE GROUP, INC.

231-9073

$220,000

$175,000

SW LOVELAND 421 W 6TH ST

1-3

RE/MAX ALLIANCE

622-1809

$197,000

SE LOVELAND

1-3

THE GROUP, INC.

631-2257

$235,000

NW LOVELAND 2721 ABARR

12-3

COLDWELL BANKER 988-4992

$324,000

SE LOVELAND

4635 TARRAGON DRIVE

1-4

THE GROUP, INC.

217-3464

$330,000

NW LOVELAND 5258 RANGELAND AVE

1-3

THE GROUP, INC.

218-1891

$359,999

NW LOVELAND 994 LONGSPUR ST

12-2

THE GROUP, INC.

391-4735

$575,000

SW LOVELAND 3817 S CO RD 29

1-3

THE GROUP, INC.

227-0964

$895,000

SW LOVELAND 288 RESERVOIR DR

1-4

PREMIER LIFESTYLE 481-5512

530 E 4TH ST

To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050

ADDRESS

HRS

OFFICE

PHONE

SW LOVELAND 1245 W 8TH ST

11-2

BENCHMARK REALTY 225-2002

$318,000

WINDSOR

6152 SOUTHERN HILLS DR

1-4

THE GROUP, INC.

227-1000

$324,000

SE LOVELAND

4635 TARRAGON DRIVE

1-4

THE GROUP, INC.

217-3464

$895,000

SW LOVELAND 288 RESERVOIR DR

1-4

PREMIER LIFESTYLE 481-5512

have a safe & fun memorial day weekend!

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 29, 2010 E5 *

H&RE Regional Real Estate Report

H&RE Real Estate News LOVELAND RED DAY VOLUNTEERS ROLL UP SLEEVES FOR H.E.L.P AND HABITAT On May 13 it didn’t take flight instructions to get Loveland Keller Williams Realty agents to turn off all electronic devices. It was the call to volunteer for the second annual RED Day that got agents out of the office and into the community. RED (Renew, Energize and Donate) Day is a Keller Williams Realty international service initiative dedicated to improving communities. The service day is held annually on May 13 and engages Keller Williams Realty associates from across the U.S. and Canada in civic service.

Keller Williams’ agents from the Loveland office split into two groups. The first group gathered at H.E.L.P International to sort and package clothing that will be sent to countries in need of humanitarian aid. Margaret Herdt with Keller Williams Realty organized the project.

Herdt reported that “not only did we get a boat load done; we had a lot of fun doing it.”

The second Loveland group rolled up their sleeves for Loveland Habitat for Humanity. These agents tackled dry walling projects at a local build site. “It’s so important to give back to our community whether financially or with our time. Habitat for Humanity was a great choice for our project since they make the dream of owning a home a reality for people, which is one of our goals as Realtors,” said Alicia Stewart of Keller Williams Realty. Stewart organized the Habitat project day.

Over 50 agents from Keller Williams Realty of Northern Colorado participated in RED Day projects. Fort Collins agents partnered with Putnam Elementary to read with students, collaborate on art projects and decorate for the school’s Fiesta de Mayo event. Agents from Greeley completed home improvement projects for a community member that could not complete the work otherwise, and brought gifts to a local nursing home. “RED Day is a true win-win for our agents and the community,” concluded JoAnn Johnston, Operating Principal of Keller Williams Realty of Northern Colorado.

REGIONAL SNAPSHOT FOR LOVELAND/BERTHOUD RESIDENTIAL Feb, 2010

March, 2010

April, 2010

1042 1010

1099 1099

1126 1069

80

126

138

$234,500 $220,000

$199,900 $183,500

Active Listings Previous Year Active Listings Number of Sold Listings Median Sales Price Previous Year Median

$192,500 $195,000

Average Days on the Market (ADOM) Previous Year ADOM

125 127

123 123

105 127

Year to Date Listings Sold Previous Year YTD Listings Sold

137 143

263 231

401 334

$19,241,626 $21,741,273

$34,334,746 $22,712,094

$34,199,536 $23,882,898

Monthly Volume Previous Year Monthly Volume

REGIONAL SNAPSHOT FOR LOVELAND/BERTHOUD ATTACHED DWELLING April, 2010

Feb, 2010

March, 2010

133 96

125 115

139 124

12

16

15

$146,900 $140,000

$150,000 $125,000

$147,000 $150,000

Average Days on the Market (ADOM) Previous Year ADOM

107 97

108 102

121 107

Year to Date Listings Sold Previous Year YTD Listings Sold

20 12

36 20

51 37

Active Listings Previous Year Active Listings Number of Sold Listings Median Sales Price Previous Year Median

Monthly Volume Previous Year Monthly Volume

$1,868,700 $1,455,050

$2,475,100 $1,130,656

$2,202,935 $2,522,755

BONNIE LINDSAY AND RUTH MCMILLEN JOIN KELLER WILLIAMS Bonnie Lindsay and Ruth McMillen, real estate sales professionals, have joined the Keller Williams Realty of Northern Colorado. Lindsay has joined the Rob Kittle team at the Harmony office. Ruth McMillen has been working with Keller Williams in Longmont before joining the Fort Collins office.

For more information contact Rick Kness at Keller Williams Realty in Fort Collins. Rick can be reached at 970-377-3700 or by e-mail at rickkness@kw.com.

* Updated statistics will be available after the 15th of each month.

For more Loveland real estate news, visit HomeandRealtyGuide.com

Open Houses This Weekend - www.thegroupinc.com SATURDAY 1:00 - 3:00

SATURDAY 1:00 - 3:00

SATURDAY/SUNDAY 1:00 - 4:00

1991 Grays Peak Drive #104, Loveland - This gently lived in,main level condo w/ 2bds + office would be an awesome spot to call HOME. Open floor plan is bright & cheery & the mstr bd is spacious w/a private bath.

Large, fenced courtyard is a great spot for BBQs& pets-away from the street. You will appreciate a garage close by. Neighborhood open space& walking trails are a fun way to enjoy Colorado’s beauty.

530 E. 4th Street, Loveland - Charming three bedroom/two bath old town home in the heart of Loveland. Enjoy this 1667 finished square foot home that has an updated kitchen, oversized 1 car garage with a workshop a ached, and enjoy the gorgeous 12,000 sq. . yard, all have been taken care of with TLC. This great loca on is merely a short walk to entertainment, dining and other ac vi es happening in Downtown Loveland.

6152 Southern Hills Drive, Windsor - The luxury of a low maintenance pa o home. The Coal Creek offers efficient design and open feel. Spacious kitchen & nook open to comfortable great room with large windows. Covered pa o and front courtyard give you outdoor living choices & master suite features 5 piece bath with grand walk in closet.

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!

$150,000

$197,000

$318,000

Priced From $324,000

MLS#628783

MLS#627726

MLS#629672

MLS#607818

Call Kathy Boeding 231-9073

Call Bob Skillman 631-2257

Call Judy Bogaard 227-1000

Call Val Schlageter 217-3464

A N E XC L U S IV E SERV ICE OF T HE G R OUP, INC. R EAL ESTAT E

Northern Colorado Real Estate Source SATURDAY 12:00 - 2:00

SATURDAY 1:00 - 3:00

994 Longspur Street, Loveland - 3BR, 2BA ranch style home w/ 1954 finished sf & 1814 sf in the unfin bsmt w/ 9 walls. Features include: 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. Full landscaping front & back, stamped concrete porch, driveway & covered pa o. Neighborhood pool & park.

3817 S Co Rd 29, Loveland - This spectacular home on 35 acres is Colorado living at its BEST! Ranch style home w/ 3bds + an office, formal dining rm, great rm & a wonderful kitchen. The granite, custom cabinets & SS appliances make this home that centers around the open kitchen a wonderful place to gather, opening up to the covered deck. The walkout basement is perfect for future expansion.

$575,000

$330,000

$359,999

MLS#607235

MLS#607067

MLS#629611

Call Mark Moran 218-1891

Call Cindy Ku n 391-4735

Call Rich Gardiner 227-0964

2

E 37th St. US 287

E 29th St.

8 B

1 8 BUILDERS

LOW MAINTENANCE PATIO & SEMI-CUSTOM HOMES Mon-Fri 11-4 • Sat & Sun 12-3

287

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

56

c.com

22-312545

LO VE

2

oupin

1

!

25

thegr

NEW NORTHERN COLORADO HOMES ST

S

E

w w w.

Online version of publication at www.thegroupinc.com containing links to detail pages for most listings.

LA LO ND W ’S 30 NE 0’ W S E

W

17-307586

N

tate Real Es

N. Madison Av.

SATURDAY 1:00 - 3:00 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.

The Real Estate Source is a magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado.

rado rn Colo Northe Source

Saturday Reporter-Herald May 29, 2010 E6

H&RG Front Range Gardening Local organizations team up for health “CSAs aren’t only a way of farming; they’re a way of educating the community on what is grown locally, what is sustainable, and how to eat seasonally. The sad state of our food policy is that you can spend three to five dollars at McDonald’s for a full meal, but the costs of buying and making a salad are much higher. And its scary how many people don’t cook with CAROL O'MEARA, MASTER GARDENER fresh vegetables,” said the 29-year old CSU EXTENSION, BOULDER COUNTY farmer.

Sold out this inaugural year, the hen the beds you’re filling farm that will supply 65 households hold produce instead of pawith produce found funding from an tients, you might not look to unexpected source: Kaiser Permaa major health care provider to help nente. The 3-year, $500,000 grant covcover the cost of the bills. But in a ers the start up costs of the fledgling bold partnership, Kaiser Permanente CSA. No deductible was required. teamed with Denver Botanic Gardens “If we want to decrease health care to grow fresh vegetables on a farm at costs, we have to work on policies that Chatfield. make healthy choices the easier choicTalk about heading up the preferred es,” said Dr. Sandra Stenmark, Direcprovider list — the Community Suptor of Pediatric Wellness with Kaiser ported Agriculture farm is the first of Permanente, which has been investing its kind to be run by a botanic garden. in community projects for over five Their goal is to provide fresh produce years. “If we’re going to change the to those in need. obesity trajectory, the health care sys“CSAs are the most direct way to get tem has to look for unique partnerships; think of the possibilities imporfood to families and communities,” tant to changing behaviors.” says Leigh Rovegno, manager of the CSA. “People get to meet the farmer, This CSA demonstrates a partnerand volunteers connect to the land to ship that can be formed to improve see where food comes from.” community health, the food system, and develop sustainable agriculture, Designed to supply food to low-inshe said. Plus it gives people access to come families, the one-acre farm is fruits and vegetables grown locally nestled amongst the 750-acre Chatwith the opportunity to do the gardenfield location of the Denver Botanic ing and be physically active. Low inGardens, growing 25 crops this first come shareholders were identified by season. Rovegno started small, learnKaiser to receive their produce at no ing the land and getting to know cost. members. Next year she plans to exBy investing in projects that give acpand the farm into three acres.

Community Supported Agriculture benefits patients

W

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 cess to healthy food to Coloradoans, Kaiser is responding to community reports of urban food deserts, such as a recent Photo Voice program in which participants were asked to photograph barriers to healthy living.

“One person took a photo of a convenience store, showing nothing but Wonder Bread and packaged items; the caption said ‘this is the only place we have to buy food.’ No wonder people can’t be healthy,” Stenmark said.

“I can sit in my office all day and say ‘you have to eat fruits and vegetables to be healthy,’ but if the community doesn’t have access to fresh food, it isn’t easy.”

In addition to produce, shareholders will receive newsletters filled with recipes and nutrition information, courtesy of Kaiser Permanente, to help people change their eating habits.

“In Colorado, 30 percent of kids are obese. More information is needed to help people be healthy,” said Will Jones, Denver Botanic Gardens’ Director of Public Relations. “We’re starting something that will help; there’s no packaging, less shipping — it’s like having a garden in your yard. Plus people will learn that growing your own is as easy as grabbing that bag of M & Ms or Twinkie.”

Garage Sales Plan and print your route before you go!

To place an ad, call 970-635-3650 | www.reporterherald.com/garagesales Apartments/ Duplexes 4060 Houses Unfurnished 4030 3 bdrm 2.5 bath in NW 3 Bdrm 1

4080 Rooms Ranch-Style For Rent

Ba Home-NW Loveland!

Loveland. 2 car garage, So Loveland, 2 BDRM w/ fenced in backyard, all Hardwood floors,great gar, heat pd, no pets. Call a p p l i a n c e s . $ 1 2 0 0 . fenced yard,quiet! $1195 Georgia at Kosmos RE 970-227-9342 drakemanor.com 970-667-8347 970-493-4052 3 BDRM- hdwd floors, new appl´s, new paint, yard, etc.

3 bdrm 2 ba, avail early $795/mo. 970-372-9396 June, $1150 + util, deck, ALL UTILITIES Included fresh paint, new carpet, SW 3/4 bdrm, 1 ba, by HP. Lvld, 1 block from mid sch, 6000 SF Retail/Warehouse $980/mo. + dep. Avl 6/1. 3 b l o c k s f r o m e l e m . on Hwy 287. Overhead door. 1810 Diana. Pets neg. 970-663-6787 or 970-430-0859 970-593-2401 or 970-227-7447. 970-391-0834

Loveland 4130

Fully furnished large rooms. Laundry, A/C, cable, all util. incl. $325/mo. (970)227-1585

Commercial Industrial 4040 Apartments/ Furnished 4010 Upscale Furnished CondoLakeview, 2 br in Centerra $1100. (303)842-5446 centerracondo.com

800-6400 sf w/ offices, ba, ally access, load. dock, 3phase power, 5200 sf fncd storage incl, 14x16 doors, live-in approved. $600-$3600 or purchase 303-931-1956

Garages/Storage Spaces 4070

Apartments/ Unfurnished 4030

Houses

4080

✔✔✔✔

Condos/ Townhouses 4050

Mobile Homes/ Spaces 4090

Roommates Wanted 4120

Duplexes

4060

OPEN SAT 11-1 3942 Crestone Dr Marianna Butte, 3 bdrm, 2 ba, lg corner lot, $254,900 Stephanie Javernick, White & White RE 970-388-4608

Mobile/ Manufactured Homes/ Spaces 5130

3 bdrm, Cherry Hills Home, A/C, 2 car gar, fully fncd yd, $1250/mo 970-689-8100

4 bdrm, 3.5 ba, 4300 sq ft, home office, exec home in Mariana Cove, no smkg, INDOOR GARAGE & pet neg. $1695/mo Commercial Storage Approx 700 SF, 2nd floor 303-591-4855 Storage/Office, NW corner 20x40 or 20x50 start at $325, 9x29 w/ gar door $200; Bunyon & 1st , Berthoud.

4 bdrm, 3 ba 2974 Spring $575/mo + dep 970-532-2652. 10x10 $75; 12x5 $50; 10x5 $40 Mountain, $1695/mo.

I-25 & Hwy-66. 970-535- 6074 Pets neg, 1⁄2 acre lot.

1 rm, Studio+ Vintage apts www.Longmont-storage.com rmpm.com 970-669-0842 0 utils! On-site mgmt. W/D, Approx 800 SF, 1st floor DirTV $333-590 970-219-8162 commercial/office space.

Mountain Ave., Berthoud 4 bdrm, Cherry Hills Home, 1 BDRM, 604 E Eisenhower $700/mo + dep 970-532-2652.

A/C, 2 car gar, fully fncd $425.A/C, new carpet yd, $1300/mo 970-689-8100 rmpm.com 970-669-0842 COMMERCIAL BLDG Clean 3 bdrm, 1.5 ba, 2 car $950/mo. 2450 Sq Ft, 1 bath. gar, 2083 Cheyenne Ave. 1 BDRM, 713 Garfield, rmpm.com 970-669-0842 $1095/mo. 970-690-7170 $410/mo, Wall A/C, new paint, Call rmpm.com 970-669-0842 FOR LEASE: Loveland Warehouse- 14,000 Sq Ft, EQUAL HOUSING To ensure you receive mostly retail finished. the best response to your OPPORTUNITY $9,000/net per month. ✭1 BDRM apts. Clean!✭ advertisement, please All real estate Call (970)535-6074 Laundry & garage avail. check your ad the first advertised in this No smk/pets. $500/mo. day of publication. paper is subject to the Loveland WAREHOUSECall. 970-231-2566 We regret we cannot be federal and state Fair 3500 SF $2500 - 14,000 SF ✭No Fri eve/Sat calls✭ responsible for more Housing Act which $7500. Mostly retail than one day´s incorrect makes it illegal to finished. Call 970-535-6074. insertion. Billing advertise “any 1 BDRM, clean, close to inquiries can be preference, limitation downtown, refs. $450. No Loveland warehouse/office initiated within 30 days or discrimination space/storage. 1900Sq Ft. smoke/pets. 970-593-2401 of ad expiration. based on race, color, $900. 1738 W. Eisenhower religion, sex, handicap, Blvd. (970)635-2717 2 BDRM 1 ba, $535 + elect familial status or cat ok, $500 dep, 1414 E 7th national origin, or an St, Call (970)556-1558 intention to make any such preference, limitation, or 2 BDRM, 1 bath, $665discrimination.”

ALL utilities included!

2 BDRM, 1109 E 4th, Quiet end unit, off street 2 BDRM- 4039 Don Fox The newspaper will $495/mo. Newer carpet. parking, coin-op laundry. $1195/mo. On golf course not knowingly accept rmpm.com 970-669-0842 Huge windows let in lots of rmpm.com 970-669-0842 any advertising for natural light! 970-669-1375 real estate which is in violation of the law. ✭ 2 BEDROOM Home ✭ 2 BDRM, 1 BA, townhouse 3 Bdrm- 2.5 ba, 2122 SW 3rd, All persons are hereby $575+dep. West Hwy 34. $950/mo. MAY FREE style apt. frpl, no pets. informed that all 970-690-9049 Unf bsmt 2 CG. 1912 E 18th St. $825 dwellings advertised rmpm.com 970-669-0842 FPI 970-663-4664 are available on an equal opportunity Move in June for $1!!!! basis.

2 BDRM- 529 E. 13th, $475/ NO JOKE Beautiful 2 Bdrm + Loft/ mo. Cat ok. Wall A/C. Only 3 homes available, Office 2.5 Ba Spacious rmpm.com 970-669-0842 Quick & Easy Approval Home Near Boyd Lake/ Look today, MOVE TODAY Centerra! Fenced yard, 2218 W 44th St, nice home; Call 970-420-8488 wac 3 bdrm 1 ba, 2 car attch 2-car garage, A/C! $1375 gar, fncd yd, dog neg. $900/ drakemanor.com NEW HOMES REDUCED! mo. 970-231-7810 2 BDRM, $625 + elec, 970-493-4052 Don´t miss out on this free heat & basic cable, 2 BDRM, 1.5 BA, 2 car gar, SAVINGS EVENT! Easy clean, pool, No pets. approval, quick closings & frpl, small pet, A/C, coin-op, pantry.

Gorgeous 2 bdrm, Water affordable payments.

2212 No Estrella, $895 970-663-6787 or Valley, resort-style liv, Tax ID´s welcome. Limited FPI 970-663-4664 970-430-0859 Golf! $1100/mo 970-566-2699 availability ACT NOW!!

Call 970-420-8488 *wac NO TAX CREDIT ~ Upscale Condo in CenterraNO WORRIES Lake views, 2 bdrm, Foothills Apts Still great reasons to buy! $1100 furnished, $900 2 Bdrm Apartment Homes. Un-furnished. (303)842-5446 ~ Low fixed interest~ ● Available Mid-June Home prices still low~ centerracondo.com ● Newly Updated 100% financing~ ● Includes Washer & Dryer Build equity. ● Park-Like Setting Quick, easy & free to SHARE house, ● Garages Available qualify. Give us a call $400/mo today and we´ll get (970)612-0133 1913 W. 15th St. 2 BDRM, 1211 Redwood, you started!

669-7850, Sorry no pets $695/mo. Finished bsmt Ken or Tammy FIND YOUR rmpm.com 970-669-0842 Western Plains Realty 2 Bdrm, quiet brick 4-plex.

DREAM HOME 970-663-5008 No smk/pets. Ref, Great in the classified loc. $535+dep. 970-391-0948 2 BDRM, 1 BA, W/D, A/C, columns. That’s where pets nego. No smoke. Avail 3 BDRM, 2.5 ba, Near New, you’ll find a complete 3 BD or 2 BD- Free rent! 6/1. Refs req´d. $725/mo + tri-level. SW Lvld. 1 yr listing of the best the Pets nego. Quiet & spac. utils & dep. 970-596-4669 lease. $1125/mo. No pets. area has to offer. $625-$695. 970-223-1349 Avail 7/1. 303-709-3077 Call 635-3650

5110

5100

✭ MOBILE HOMES ✭ NEEDED Local park needs used mob homes. We´re buying! Big Sale! Many single & dbl wides. Fin avl, auto approval on owner fin homes.

Bad credit OK! Moves avl.

970-222-1473 ✭ 690-2725 or 690-3283 ✭

2 ACRE LOT, Berthoud area, $40K price reduction, $125,000. Call Steve Conder for details, 303-514-3706.

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

Lots & Tracts

Real Estate Real Estate Services 5109 Wanted 5170 BUYING-SELLING REAL ESTATE HIRE PENNI

Sell Your House Fast!

Quick Sale - Fair Price 720-962-4688

Rural with Penni Lane Real Estate 720-935-9985 Don´t Lose Your Home & Credit. ”I coulda saved that one!“ .shortsalesfrontrange.com Front Range RE Brokers.

(970)215-1174

Loveland

5110

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

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421 W. 6th St OPEN SAT 1-3 Westside ranch w/ hdwd flrs, deck, hot tub, spacious kitchen. NEW PRICE, $175,000. Julie Stenson, Re/ Max Alliance 970-622-1809

A picture is worth a thousand words Try a classified picture ad! Call for details

970-635-3650 BANK OWNED, HUD & VA www.Foreclosures InLoveland.com to request a copy of the list!

Julie Stinson RE/MAX Alliance 970-622-1809 CUSTOM BUILT HOME, ranch style on 12 acres, southeast of Loveland, WW Auctions and Real Estate, Ed Kuntz 970-290-1672.

reporterherald.com SELLING YOUR USED CAR is easier than you think when you let classifieds help. Hundreds of used car shoppers turn to the classifieds everyday. The car you no longer want may be just what someone else is dreaming of. To sell your car, try a classified ad and get results Fast, Very Fast Call 635-3650.

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Try new method in veggie gardening BETH THIRET, MASTER GARDENER CSU EXTENSION, LARIMER COUNTY • Try the “three sisters” method when planting your vegetable garden. Corn, pole beans and squash are planted in the same plot and grow with the help of one another. The squash shades out the weeds and the small spikes on its vines keep raccoons from eating the corn while the pole beans use the corn stalks to climb.

• Allow the leaves of your spring bulbs to die back before removing. Trim back the faded flower and top inch of the stem. The remaining leaves and stem will feed the bulb. A halfstrength application of a bloom boosting fertilizer can also be beneficial. Don’t apply high-nitrogen fertilizers, which encourage foliage not flowers.

• Planting summer annuals around your spring bulbs will camouflage them until they have died back enough for removal. Remove the bulb’s faded leaves once you can pull them from the ground with little effort.

• If your spring blooming bulbs weren’t what you were expecting this year, it may be time to transplant and divide. Lack of light and overcrowding can stop bulbs from reaching their full growth potential. Typically the best time to move and divide spring bulbs is when they are completely dormant in midsummer. There are many bulbs that will do well if moved, replanted and watered right after blooming.

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the loan, then I’ll have financial obligation.

How do I go about investigating our options, and whom should I initially talk to? Any guidance or help is greatly appreciated.

Answer: You’ve paid off a great deal off the original balance on your loan and interest rates on 15-year loans are at or below the rate you got eight years ago. Have you sat down with a mortgage lender to see if she would qualify on her own? If she does, you might want to have her apply for a new loan. When she refinances, you could take your name off the deed.

If your name was off of the title to the home, you would not have any financial attachment to the property other than your desire to continue to assist your ex-fiancee in making monthly mortgage and some other of the monthly payments on the home.

But be careful not to remove your name from the title to the property while you’re still listed on the mortgage. Right now, you control the property and she can’t sell it or refinance it without your consent. However, if you transfer title to her, she could transfer title of the property with or without your consent and even get money from the sale but allow a buyer to keep the mortgage, which you have been paying.

In other words, you could end up with continued liability on the mortgage and she could end up not even living in the home.

You indicated that your loan balance was now only $65,000. Each monthly mortgage payment pays down the loan balance even more. Because you had a 15-year loan, a substantial portion of each payment is principal and relatively little is interest.

Have you considered paying off the mortgage entirely and then getting off the title? Do you have the funds to do that? It seems that your intent is to pay for the home and let her end up as the sole owner of the home. If that’s the case, you can consider the option of getting or changing the financing on your current home in order to pay off the debt on her home.

Talk to a good real estate lender in your area to assess your options. Rates on loans are still low, and you may find that she can qualify on her income given the relatively low balance left on the mortgage.

OUTDOOR From Page E2

to conjure visions of entertaining.

• For cozy allure, a simple bamboo roll shade hung on one side of the patio or deck instantly creates a cool, outdoor retreat feeling while aiding in privacy.

• To add pops of color, place brightly colored outdoor pillows and new cushions on tired patio sets. If the set is beyond tired, invest in a new one.

All-weather-wicker wears well and looks great.

• For more pops of color, add plenty of potted flowers and plants. A nice 4-to-5-foot tall palm in the corner of a patio or deck creates an elegant, breezy feel.

There are many ways to make your house on the market sizzle this summer by creating an enticing outdoor living space that just may seal the deal.

Jill is a Home Staging Expert (HSE) certified stager and redesign specialist serving the Northern Colorado area. For questions or more information, email Jill Schuett of Applause Home Staging, LLC at jill.applause@comcast.net, or go to www.applausehomestaging.com.