Real Estate Guide

Saturday Reporter-Herald July 31, 2010 E1

Real Estate Matters

www.homeandrealtyguide.com • Saturday, July 31, 2010 • Reporter-Herald

How to help a friend in mortgage trouble ILYCE GLINK TRIBUNE MEDIA SERVICES

Q

uestion: I'm not particularly knowledgeable about many financial ventures, but I want to understand if and how I can help my friend.

My friend has a house and owes more than the house is worth.

He took out a second mortgage, ran up his credit cards, and has several liens against the property.

His ex-wife was in bankruptcy before they got together. Now his home of 34 years might be pulled away from him. He has severe credit problems and he is not old enough for a reverse mortgage.

Are there any programs that might help him save his home?

What would happen if I paid him for half of his house?

Answer: It's clear from your email that you are a thoughtful and generous person, and your friend is lucky to have you in his life.

However, what you're proposing could easily destroy your financial stability, so you'll want to take every precaution to protect yourself.

Start by speaking with a knowledgeable real estate attorney who can help you look much further into your friend's investments, debts, homeownership problems and so forth. It's great that you want to help, but you don't know what kind of financial quicksand you might step into, and you need to make sure you help in a way that doesn't wind up hurting you. I can't recommend you help until you have a very clear picture of what your friend is facing financially.

Before you put one dime toward this problem, invite your friend to spend some time with you and your attorney going over everything. Try to figure out why he is in so much debt, how far underwater the house is, and what options and opportunities exist to help him out.

See if he has any other assets, and discuss when and how he might pay back a loan from you.

Focus on what kind of deal you can make for your dollars — one that ensures you will get back every cent you invest (because this is an investment and not a gift) if you decide to do that. If you choose to give your friend a gift to help him out of his problems, that's your choice. But if you expect repayment, you need to know more and you need to have a discussion about your expectations for repayment in the future.

If your friend can't — or won't I See GLINK/Page E3

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akwood Homes builds their homes and communities around what homebuyers desire. Being a hometown builder, Oakwood knows what is important to families in Colorado and offers high quality, affordable homes for any lifestyle.

While being the fastest growing community in Northern Colorado with nearly 60 sales this year, Thompson River Ranch gives families comfort, convenience and affordability. Visit the community and see how you can personalize your dream home.

If you haven’t visited the community before, no time is better than now. With loads of amenities ranging from the new pool, disc-golf course and miles of trails, Thompson River Ranch reminds you why people love to live in Colorado. You don’t have to drive far for this community’s open space living. Located south of Hwy 34 along the I-25 frontage road, easy access and convenience add to the many reasons to be in this community.

Beginning August 14, the two-

RH Photos

Above: The two-story Kendall model in the Carson Collection starts at $249,200 and will be featured in the Denver Home Show beginning Aug. 14. story Kendall model in the Carson Collection will be featured in the Denver Parade of Homes.

With three bedrooms, two-and-ahalf baths, expansive great room and spacious kitchen over 2, 438 square feet, you can feel the luxury in every detail — except the price. Starting at $249,200, the Kendall perfectly blends affordability with comfortable living and provides plenty of room for the growing family.

The New Beginnings collections in Thompson River Ranch provide first time homebuyers even more choices in affordability. You can view and customize the community’s 15 available floorplans at their website,

www.HomesPeopleLove.com.

With prices starting at $154,900, you could be paying the same per month that you are for rent. Not only that, but every Oakwood home is energy-efficient and will save you $100’s each month on utility bills.

Still looking for more savings?

Oakwood Homes just announced a new program allowing homebuyers more personalization and savings in their home. Be sure to ask the sales associates at Thompson River Ranch about how you can get 24,000 homebuyer credits to design your dream home the way you want it.

Take advantage of the incentive and create your dream home

today.

Stop by today and find out more about Oakwood’s homebuyer credits and the affordable homes in Loveland. Contact Mike Welty or Tina Shearon at 970-669-9801 with any questions. To get there: from I-25 take Highway 34 eastbound, take your first right at Thompson Pkwy., then right at Ronald Reagan Blvd. which takes you to the Frontage Road. Take a left on the frontage road and you won’t miss the entrance to the community. You can tour Thompson River Ranch this weekend from 10-6 p.m. Visit www.HomesPeopleLove.com for additional information.

Inside this week’s Home & Real Estate

Fix and Flip Brothers flip Front Range homes for profit

Director y

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8th Annual Pond Parade Page E4

Realtor of the Week Miki Roth, Broker/Associate Partner, The Group, Inc.

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Saturday Reporter-Herald July 31, 2010 F1

Flip Fix and

Local brothers flip Front Range houses and start investment club to help others

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Before and after Photos courtesy of Mike Vogel

Above: are before and after shots of a kitchen at one of brothers Mike and Greg Vogel’s investment properties that was fixed up and is now being rented in Ft. Collins.

Right and below: A bathroom before remodeling and after remodeling at the Ft. Collins rental property.

I See Fix n' Flip/Page E3

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the realities and potential profit of real estate. There is an abundance of information on real estate and the association helps decipher that information and relate it to its members, Greg said. Members of the association are people who are interested in investments, rentals and fix and flips. Fifty to 60 percent of the club's members want to invest, but do not know where to start or may be put off by the risk associated with real estate.

Guest speakers are brought in the association. Speakers are selected carefully before being invited to speak at one of the monthly meetings to avoid having misleading information presented to the associations members. On July 22, Robyn Thompson spoke at ICORs monthly meeting. She has made millions of dollars fixing and flipping homes and she gave a brief outline of how she does it.

Also at meetings, members of the association are educated about the market, tax codes, legalities associated with real estate and insurance. Daylong boot camps are offered as well as small group learning opportunities.

Cindy Szponder, Investment Club of the Rockies member, joined in January to familiarize herself with the investment community and to take advantage of the training classes the association offers.

Another reason Szponder joined the association was as a way to network with other investors. ICOR is a community of investors and real estate agents who share experiences and expertise. They not only learn from one another, but also provide each other with inspiration. Szponder likes being around people who are interested in investing. The members have a drive, willingness and desire to be successful in real estate, Mike and Greg said. The investors become friends and build their teams with the members they meet at the association. These teams are composed of people crucial to making fix and flips successful including contractors and realtors. Members work together for success, Greg said.

Szponder, along with her husband, purchased a four-plex in Johnstown and a home in Loveland. Both needed a lot of work.

The Johnstown property needed help in the boiler room and a new roof. The Loveland home needed a new roof as well. A local painter and roofer were em-

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hey called the house the Pink Dragon and it ushered in Mike and Greg Vogels' careers in real estate.

In May 2006, the brothers, along with some friends, began work on their first fix-and-flip property. They painted over the pink walls, the inspiration behind the name, remodeled the kitchen and the home's only bathroom. Thinking the bathroom remodel would only take two weeks, they dove right in.

Three to four months later, the bathroom was complete. Greg recalls taking showers in the backyard, with a hose they ran over a tree. Local businesses were frequented for restrooms.

Although living in the home during renovations was hard, it did allow the group of friends to save money. Another money saver was doing the renovations themselves. Home Depot was their resource as they learned from employees how to do things. The brothers said that employees must have run at the sight of them, with all of the questions they asked.

To finance the remodel, Mike worked as a bike mechanic and Greg as prep cook at Avogadro's. In a year's time, the group of friends were able to take the Pink Dragon and transform it into a rental property that they still own today, some four years later. Being their first flip, it was a tremendous learning experience.

Mike and Greg first became interested in real estate as a way to build their wealth. There is unlimited potential in real estate, it seemed fun and it is a way for a person to take control of their finances, lives and retirement funds, Greg said. "I don't want to be at the mercy of a company."

Fix and flips are properties bought by investors, remodeled and sold for potential profit.

The remodeling of the property, also known as rehabbing, can be as little as replacing the carpet and painting the walls or can be as big of a project as home additions or re-doing the property's wiring and plumbing.

Rehabbing is generally done in as little time as possible because the real estate market fluctuates so rapidly, Mike said.

"The market is unpredictable," Greg added. Waiting too long can also decrease an investor's chance at making a profit on the flip. Not choosing the right property can be another factor that leads to losing

money.

The brothers, along with friend David Lund, rehab old homes that are typically valued under $300,000 in the Fort Collins area, but they have worked in Loveland. When looking for homes to flip, they look for homes that are in the central part of the city, where more people live. We buy a house no one else wants, Mike said, but they stay away from homes on busy streets. Homes they plan to flip are purchased undervalue.

They look at these homes from the perspective of the potential home owner. Of the homes they flip, 95 percent are foreclosed. When rehabbing the houses, they like to choose homes that will not take more than four months to renovate. A foreman, who is typically a general contractor, will oversee the project and be on the lookout for any potential unforeseen issues or surprises. When looking at how much money the renovation will cost, it is important to factor in additional money for these surprises. Mike and Greg said they have had homes that needed a new sewer line or roof.

Having money put aside helped ensure these fixes were completed.

People do not necessarily need to have money to fix and flip homes. Hard money is one avenue to pursue. Hard money is money lent to people who specifically want to fix and flip homes. As well as being an investor, Mike is also a hard money lender. Greg works with people on repairing their credit.

People can also get private investors to finance the fix and flip.

Although done as quickly as possible, it is important not to cut corners when flipping a home, Greg and Mike said.

There are fix-and-flip investors out there who are more concerned with their net profit than with the person or family who will eventually rent or purchase the home, but it is a matter of ethics to get the job done right, the brothers said. An ethics policy is strongly upheld in the association that the brothers founded with a friend a few years ago. The association also educates investors on ways to avoid losing money in real estate.

In April of 2008, Mike and Greg, along with Lund, founded the Investment Club of the Rockies (ICOR). The association, which works with the National Real Estate Investors Association, educates investors on

N. Madison Av.

LINZY NOVOTNY FOR THE REPORTER-HERALD

Saturday Reporter-Herald July 31, 2010 E2

H&RE Realtor of the week Easy indoor solar water heating and lighting available

Meet

Miki Roth BROKER ASSOCIATE/PARTNER, THE GROUP, INC. Location: 5401 Stone Creek Circle, Loveland Contact: 970-690-9459, mikiroth@thegroupinc.com, www.thegroupinc.com Designations, Affiliations & Accolades: Certified Distressed Property Expert, Certified Negotiation Expert, Certified Residential Specialist, Graduate Realtors Institute, Master of Real Estate, Quality Service Certification, Member of Local, State and National Board of Association. Loveland Berthoud Association of Realtors: Board of Directors; Chairperson, Community Relations Committee; Member, Education Committee, Member, Professional Standards Committee. Past member of CARHOF Committee, Political Action Committee.

From Miki Roth: “I work with buyers and sellers of existing homes as well as new construction in all price ranges. I love to find just what the buyer is looking for in a home and help them get it. I love to work with sellers to market their home and get it sold so they can get where they need to go. I love to meet these people as customers and end up keeping them as friends.

That what the business is really all about—people.”

H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.

2800 Crestview Ct, Loveland, $285,000, home • George & Violet Niedermayr from Brookes Simon P & Gretchen A, 1963 Grays Peak Dr Unit 101, Loveland, Loveland $132,000, condo • Cody & Jennifer Balzer • Anderson Souza from from Vanbaren Frank & Fiske Clifford Gene & Kathi Eileen, 1302 Cleveland Ave, A, 1924 Seven Lakes Dr, Loveland, $277,100, home Loveland, $465,000, home • Reyne Woolf from Auger • Allen Greenspon from Colleen, 3955 Boulder Dr, Graham Nancy E & Gary L, Loveland, $166,000, home 4104 Red Bird Pl, Loveland, • Rita Doherty from Om- $240,000, home ni Construction Inc Lov, • Monique Rodriguez 346 Lavastone Ave, Lovefrom Daoust Jean Jacques, land, $205,000, home 1543 S Estrella Ave, Love• David & Patricia land, $170,000, home Carmichael from Saul Kim • Raymond Beede from A & Debra Ann, 701 Cove Elsner Jeffrey, 1220 Eilene Ct, Loveland, $375,000, Pl, Loveland, $168,500, home home • Paolo & Melanie Pan• Philip & Robin Hurwitz dolfi from Biggert Henry A from Michael Wayne Salza & Orlene M, 2733 27th Ct Living Tru, 3230 Challenger Sw, Loveland, $280,000, Point Dr, Loveland, home $400,000, home • Darrell & Mary Austin • Joseph & Debra Suess from Fannie Mae, 2125 from Mitchell Bradley J & Tonopas Ct Unit 101, Love- Melissa L, 1810 Oxford Dr, land, $152,000, condo Loveland, $228,000, home • Robert Hill from Federal • Christopher & Jennifer Home Ln Mortgage Corp, Mcc from Morgan Nick J & 1414 S Douglas Ave, LoveSarah J, 4440 Wolcott Dr, land, $107,600, home Loveland, $379,000, home • William Davis from • Larry Peterson from PaCallahan Timothy L & Kay tricia A Torbeck Trust, 1914 J, 1202 Paloverde Dr, Love- Dotsero Ave, Loveland, land, $182,000, home $182,500, home • Trevor Brown from • Dana & Stephen Otte Choate Ross M & Margo D, from Philbrick Bruce O, 6209 Sea Gull Cir, Love3636 Fletcher St, Loveland, land, $285,000, home $230,000, home • Steven Arnold from Al• Dorothy Baldwin from fred Patricia N Jefferson Tr, Seventh Day Adventist Assn

Mortgage rate update This week Last week Trend

30-year fixed

4.60%

4.62%

15-year fixed

4.07%

5/1 ARM

3.67%

4.09% 3.64%

For home and real estate advice, features and information, visit www.homeandrealtyguide.com

high-efficiency air conditioner or heat pump that is solar-ready, which means a homeowner can add solar modules to create a solar energy system, if and he average price of electricity when they want one. for American homeowners has Solar water heating systems, which increased nearly 40 percent in the last 10 years, according to the U.S. feature water storage tanks and solar Department of Energy, costing home- collectors, also can help homeowners owners hundreds of dollars on utility save between 50 and 80 percent on bills. their water heating bills.

"With energy costs rising right along Another potential area where homewith demand for electricity, more and owners can save with solar is on landmore homeowners are seeking out al- scape lighting. Home improvement ternative energy sources like solar en- stores now sell outdoor solar lighting ergy to help cut utility bills," says Vic- systems that are easy to install and optor Gonzalez-Maertens, a home coolerate at no cost because they essening expert with Lennox. tially provide free electricity.

One easy way homeowners can take For more information about new enadvantage of solar energy at home is ergy-saving technology, visit the new SunSource Home Energy Syswww.Lennox.com or www.ItPaystotem, which was introduced by Lennox LiveSmart.com this year. The system is based on a

ARA CONTENT

Col, 1956 Canterbury Ct, Loveland, $215,000, home • Norman Monk from Stewart Joan C, 1712 Ponderosa Dr, Loveland, $450,000, home • Charles Griffin from Thorpe Jace & Brenda A, 1102 Heather Dr, Loveland, $160,500, home • Bruce Fancher from Cone Christopher J & Karen M, 1925 Massachusetts St, Loveland, $397,500, home • Marilyn Pett from Fannie Mae, 4460 Walden Ave, Loveland, $235,000, home • Benjamin Wisner from Francilla G Tuenge Trust, 8100 Woods Rose Ln, Loveland, $885,000, home • Sarah & Jason Billeter from Henson Laura R, 1644 Oak Creek Dr, Loveland, $139,900, home • Jenna Macleod from Loveland Habitat For Humanity, 2109 Sagittarius Dr, Loveland, $161,800, home • Rachel Knorr from Mcghee Donald K & Jeanne R, 3428 Northshore Dr, Loveland, $248,000, home • August & Regina Cordova from Montoya Robert H & Eloise E, 909 21st St Sw, Loveland, $150,000, home • Michael & Brittain Lutze from Pettit Michael D & Patricia J, 3701 Minturn Dr, Loveland, $212,000, home • Lori Latka from Sylvan Dale Development Co, 2833 Ellis Ranch Ln, Loveland,

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$240,000, home • Frank & Luci Roberts from Fannie Mae, 1550 Tori Dr, Loveland, $179,900, home

Berthoud • David Garman from Ramirez John R & Judith, 654 Munson Ct, Berthoud, $238,000, home • Leeann Prodoccini from Fannie Mae, 830 Douglas Pl, Berthoud, $157,000, home

Estes Park • Dolores Trust from Mountainview Vacations LLC, 726 Black Canyon Dr, Estes Park, $348,000, home • Hope Flack from Cramer Steven L & Dawn A, 1535 Raven Cir Unit H, Estes Park, $265,000, condo • Kyle & Amanda Rockers from Walters William D & Bill D, 626 Little Prospect Rd, Estes Park, $217,500, home • Ray & Janet Thurman from Fannie Mae, 900 Whispering Pines Dr, Estes Park, $339,900, home

Pointer David W & Dawn M, 5301 Cherrywood Ln, Johnstown, $235,000, home • Anne Ison from Doucette David G, 3747 Morrison Ln, Johnstown, $219,500, home • Nicholas Bukowski from Bankunited, 235 Basswood Ave, Johnstown, $205,000, home

Miliken • Rajmon Williams from Sittler Jason & Jennifer, 206 S Marjorie Ave, Milliken, $177,000, home

Severance • Pete & Tina Descant from Tausan Ronald L & Luellyn M, 4404 Indigo Dr, Severance, $365,000, home

Windsor

• Jeannie & Marinda Moore from Fannie Mae, 1012 Valley Dr, Windsor, $175,000, home • Michael & Regina Warne from Graves James N & Linda R, 8408 Morning Star Ln, Windsor, $515,000, home • John & Patricia Johnstown Stephenson from Johnson • Jared Thigpen from Theodore B & Christin, 308 Oakwood Homes LLC, 3919 Habitat Cv, Windsor, Heatherwood Cir, John$375,000, home stown, $204,900, home • Sandra Buchholz from • Robert & Debo Duggins North Shore Holding Co from Hotaling Tyler W & LLC, 940 Cornerstone Dr, Cristina M, 1740 Suntide Windsor, $188,000, home Dr, Johnstown, $189,800, • Lynn Marston from home Sitch Janice L & David D, • Stephen Lindsey from 313 Amber Dr, Windsor, Tremel Steven J, 424 Gyp$200,000, home sum Ln, Johnstown, • Jeffrey Pyle from Warne $160,000, home Michael K & Regina A, 111 • Penny Brandt from Whitney Ct, Windsor,

$257,500, home • Glenn & Darla Altemose from Weidel Constance J, 113 Apple Way, Windsor, $150,000, home • John & Amanda Howton from Zapf Michael A, 1263 Horned Owl Ct, Windsor, $790,000, home • Elliot & Jessica Ball from Aalbers Marinus John, 240 Sandstone Ct, Windsor, $172,000, home • Kay Tiff from Caldwell Nancy Ann, 124 Beacon Way Unit 3b, Windsor, $120,000, condo • Timothy & Robbie Thomas from Christmann Heinz & Joann Sloan, 1502 Yonkee Dr, Windsor, $380,000, home • William & Tamara Jenkins from Long Family Trust, 5521 Fairmount Dr, Windsor, $498,000, home • Donna Lebsack from Ball Elliot J, 811 2nd St, Windsor, $129,000, home • Frank & Ingrid Rabe from Fed Home Loan Mtg Corp, 1716 Green River Dr, Windsor, $230,000, home • Amanda Thompson from Hageman Greg & Heather, 804 Durum St, Windsor, $226,000, home • Mark & Dana Dunlap from Melody Homes Inc, 1581 Edenbridge Dr, Windsor, $211,000, home • Joseph & Patricia Schofield from Kenrick Construction LLC, 6014 Woodcliffe Dr, Windsor, $400,000, home

Regional Snapshot for Loveland/Berthoud Residential Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald.

EDITORIAL INFORMATION 635-3656 DISPLAY ADVERTISING 669-5050 CLASSIFIED ADVERTISING 635-3650

April 2010

May 2010

June 2010

Active Listings Previous Year Active Listings

1126 1069

1117 1080

1101 1095

Sold Listings

138

158

169

$199,900 $183,500

$214,500 $198,000

$234,000 $207,500

Average Days on the Market Previous Year ADOM

105 127

117 125

132 121

Year to Date Listings Sold Previous Year YTD Listing Sold

401 334

559 440

728 579

Monthly Volume Previous Year Monthly Volume

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

$39,407,269 $24,919,043

$47,395,158 $34,313,560

Median Sales Price Previous Year Median

Pre-assembled concrete walls green, save energy greenest — materials, methods, systems, and techniques.

"Where in the past buildings he advancement of build- were created by parts and pieces, the focus now is on inteing technologies is making home ownership today grated systems for top efficiency," says Todd Blyth at Nudura, a a far more valuable asset. leading name in construction One illustration of this is an technology. "And most decisions innovative system for building concrete walls, which over time, start with the walls, ceilings and is expected to totally eclipse the floors." old wood-frame method. This "Indeed, most people want the new level of ingenuity in modern strongest, most attractive, and construction means that the most energy efficient structure best of the builders need to repossible, and therefore the total train continuously to stay ahead building envelope requires careof the curve on the latest — and ful consideration," he said. To

METRO NEWS SERVICES

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get an inside look at this concrete option, and its benefits, go to www.nudura.com. Builders regularly use this site as a resource.

Benfits of Concrete The wall-building Nudura system consists of pre-assembled, interlocking forms delivered to the construction site.

"Each form is designed with two stay-in-place panels of polystyrene connected with a hinged folding web, making transportation easy and assembly quick, with no waste," says Todd Blyth at Nudura, a leading

name in construction technology. "The forms (like Lego) are stacked, reinforced, and then filled with concrete, creating the industry's strongest walls."

The building industry views this innovation as a win-win for all involved: the architects get unlimited design possibilities; builders cut their construction time in half; and the homeowner has the satisfaction of choosing a major green component for their house. The Nudura wall system contributes to standards set by LEED (Leadership in Energy and Environmental Design)

the international benchmark for sustainable high performance buildings.

"A concrete building envelope of this kind delivers twice the energy efficiency of stick-frame walls," Blyth continued, "and that could translate to a 70 percent saving on your bills. Your home will also be far less prone to wood rot, mustiness and mold -- and be up to three times more sound resistant, four times more fire resistant, and up to nine times stronger without drafts and cold spots."

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Outdoor kitchens add to family living space

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Once the financials are ironed out, location is the next factor to consider.

There are advantages and disadvantages to having the outdoor kitchen located close to the house. Some of the biggest advantages include reduced costs running water, frigerators to pizza plumbing, electric, METRO CREATIVE SERovens to graniteand natural gas to VICES topped prep stations. the outdoor kitchen.

The outdoor leisure There's also the conlifestyle industry now venience of proximity omeowners brings in $6.2 billion to the house for carlooking to add in annual revenue. rying food items outpizazz and exAnd according to a side. tend their living third-party survey spaces to the outOn the other hand, conducted for Weber doors routinely turn having the outdoor grills, purchases on to outdoor kitchens kitchen located too outdoor appliances is to achieve their goals. close to the house up by 8 percent, a could make it feel At its simplest, an telling figure in an like the rest of the outdoor kitchen can economy yet to fully include some camprebound from the re- house. And if the outdoor kitchen is too site cooking stoves cent recession. close, contractors and a picnic table.

Homeowners hopHowever, most home- ing to add an outdoor might be forced to factor an exhaust sysowners are looking kitchen to their tem into the design for something a little spaces have to adto draw heat and more functional and dress some factors smoke away from the impressive. It's not first. Naturally, budhouse. uncommon to find get is one of the everything from rebiggest concerns.

Location of the out-

door kitchen will also have to take into consideration the size of the yard. Those with a large property can have an expansive kitchen. Individuals with a smaller yard may have to scale back and ensure their cooking and lifestyle habits don't infringe on the neighbors.

Whether the kitchen is located near or far from the house, homeowners should think about some sort of protection from the elements. A shelter can include a buffer wall to ward off wind and weather and some sort of overhang for shade and other weather protection.

This way the outdoor kitchen and entertaining spaces can be enjoyed even if there is light rain or blazing sunshine.

It's more than simply cooking outside, too. Outdoor kitchens are about

bringing the entertainment experience outside. The kitchen is the central gathering point of the home; therefore it makes sense to offer a similar space the family will enjoy outdoors.

With this in mind, many homeowners are choosing weatherproof cabinetry, lighting, storage, fireplaces, music, and other accoutrements to make their outdoor kitchens the epitome of luxury. Ice makers, deep-fryers, smokers, wine coolers, and so many other accessories are routinely showing up in outdoor kitchen designs.

Gone are the days of a simple charcoal grill and a few patio chairs. Outdoor kitchens are revitalizing al fresco entertaining and adding considerable value to homes across the countr y.

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SUNDAY 11:00 - 2:00

SUNDAY 11:00 - 1:00

SATURDAY/SUNDAY 12:00 - 5:00

3845 Downieville Street, Loveland - Spacious 2-Story with Lo ! Wood ďŹ&#x201A;oors, open kitchen to family rm, master w/ lrg walk-in closet & bath, oďŹ&#x192;ce/study(or possible 3rd bdrm).

Spacious covered front porch. Backs to public open space & is par ally fenced. Blue Ribbon Home Warranty!

1742 Manchester Court, Loveland - Immaculate4level on corner lot w/ all new ďŹ&#x201A;oor coverings, vaulted ceilings in formal dining w/ bay window & master bed w/ walk-in closet, new kitchen counters & island, new le backsplash, & gas log ďŹ replace in family room.

1625 Tiger Avenue, Loveland - 2 story home in SW Loveland.

4 bd+lo , 3 bth w/a family room, formal living & dining.

New carpet, paint, lights & more. Corner lot w/beau ful landscaping. Gardens, sprinklers, pa o, fenced yard, central A.C., RV/Boat Parking.

1070 Scarborough Drive, Loveland - Ranch style with walkout basement backing to large neighborhood greenbelt, 4 bdrms, 3 baths, 2,622 sq (all ďŹ nished), vaulted living room, 12x16 master suite, north Loveland loca on.

1002 Burrowing Owl Drive, Ft. Collins - Popular ranch ďŹ&#x201A;oorplan! 3 bedrooms + a study. Approx 1,807 ďŹ nished sq + an unďŹ nished basement. Lots of upgrades throughout â&#x20AC;&#x201C; Tharp maple cabs, hickory ďŹ&#x201A;oors, all appliances included + front yard landscaping and rear yard fencing!!

$189,900

$210,000

$237,500

$239,900

$299,900

MLS#634387

MLS#632731

MLS#633686

MLS#633012

MLS#626289

Call Kelli Couch 310-8804

Call Mary Laing 690-7288

Call John Simmons 481-1250

Call Don A. Riedel 679-8265

Call Dianne Breneman 222-8549

NEW LISTING!

PRICE REDUCED!

SATURDAY 1:00 - 3:00

SATURDAY/SUNDAY 12:00 - 5:00

TUESDAY - SUNDAY 1:00 - 4:00

SATURDAY 1:30 - 3:30

SUNDAY 1:00 - 3:00

1529 Dryland Street, Loveland - Brand new ranch style ďŹ&#x201A;oor plan completed at Ta Farms by Keirns Construc on! Tandem 3 car plus RV parking. Several other plans and lots to choose from! Call for details.

1014 Burrowing Owl Drive, Ft. Collins - Welcome to Waterleaf! Smartly Designed Homes for Northern Colorado Living. Choose from 4 ranch & 5 two-story ďŹ&#x201A;oor plans. All appliances included. Amazing list of included features! Pricing from upper $200â&#x20AC;&#x2122;s to low $400â&#x20AC;&#x2122;s.

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 itâ&#x20AC;&#x2122;s best!

4902 Single Tree Drive, Loveland - Beau ful 2 story country home on 1/2 acre in the Prairie Trails subdivision.

5 bedrooms (or 4 bdrms & home oďŹ&#x192;ce), 3 baths, 3 car oversize garage, master suite with private 2nd story deck, low maintaince yard with waterfall.

3817 S Co Rd 29, Loveland - Home on 35 acres!

Ranch style home w/ 3bds + an oďŹ&#x192;ce, formal dining rm, great rm & a wonderful kitchen. Granite, custom cabinets & SS appliances. The walk-out basement is perfect for future expansion.

$299,900

$305,000

MLS#624979

MLS#621243

Call Julie Hart 481-1443

Call Ma Thompson 443-9910

$400,000

$539,000

MLS#607818

MLS#634436

MLS#629611

Call Val Schlageter 217-3464

Call Don A. Riedel 679-8265

Call Rich Gardiner 227-0964

Priced From $324,000

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

SUNDAY 1:00 - 3:00

SUNDAY 1:00 - 3:00

2253 Jones Place, Loveland - This 3bdrm + oďŹ&#x192;ce, 4bath home is sure to meet your needs. Mtn views!

Master suite w/ďŹ repl,si ng rm& deck. Each bedrm has a private bath. Great loca on convenient to Loveland, Longmont & Boulder.

787 Beaver Cove Court, Loveland - Owner wants an oďŹ&#x20AC;er.

Desirable golf course community. Gorgeous alder wood cabinets & granite countertops. Enjoy mountain views. Backs to 7th fairway of Mariana Bu e golf course, abundant wildlife, so much more. Hosted by: Denise Kloster 402-9100

530 Deer Meadow Drive, Loveland - Enjoy the ďŹ nal 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.

$600,000 MLS#627673

Call Kathy Boeding 231-9073

$795,000

$899,000

MLS#620225

MLS#586010

Call Cindy Kurtz 962-6832

Call Nancy Walkowicz 461-7136

31-314871

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

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.

thegr

oupin

c.com

Saturday Reporter-Herald July 31, 2010 E3

In next week’s Home and Realty Guide

Fix and flip veteran presents to Investment Club of the Rockies and flips can be funded by hard money, with a partner or with private money.

When fixing the house up, it is important to hire licensed and insured conhe July 22 monthly Investment tractors who will get permits and apClub of the Rockies meeting provals. It is essential that the contracstarted off with members nettors will get the job done efficiently working and a market update from and correctly, she said. When selling agricultural and regional economist the home, Thompson hires a top sellJohn W. Green, who said that homes under $250,000 are selling fast, which ing realtor in the area of the home she is good news for fix and flip investors. is selling. The realtor she chooses typically sells 60 percent of their properThe highlight of the evening was Robyn Thompson with her insights, ad- ties in the first 10 days the properties are on the market. vice and knowledge on how to fix and Thompson has made millions fixing flip homes. She has been speaking and flipping homes and she said it across the country for the past nine takes a lot of work to make that years.

Faced with a lay-off from her job, and amount of money. She has taken everything she has learned from workworking full-time as a waitress, Thompson turned to real estate as her shops and from all of the homes she new career 13 years ago. Her first pur- has renovated so that she can teach others how to make money in real eschase was the condo for sale next to her condo in Waterbury, Conn. Known tate. Thompson said that education makes a person rich and it is what a as the “Queen of Rehab,” Thompson person can learn from her and from has fix and flipped 301 homes in the doing fix and flips themselves that can 13 years she has been in real estate.

Although she has flipped many homes help a person make money and become successful in real estate. she said that “it’s not quantity, it’s quality.” She makes her homes “drop Thompson is teaching a day long dead gorgeous” with remodeled bath- boot camp today from 9 a.m. to 5 p.m. rooms and kitchens. She adds upat the Best Western on Hwy 34 and Ingrades that homes in the $200s do not terstate 25 in Loveland. She will teach typically have like Jacuzzi bathtubs participants her fix and flip techniques and waterfall shower heads. in great detail. Cost is $39 for InvestHer four steps to a fat check includ- ment Club of the Rockies members and $59 for non-members. ed finding a high profit deal, finding money, fixing the house up and selling More information can be found at the house. To find a home to fix, http://www.robynthompson.com/ and Thompson suggested looking at preat http://www.icorockies.com/ foreclosure lists and estate sales. Fix

LINZY NOVOTNY FOR THE REPORTER-HERALD

T

Fix n' flip From Page F1

ployed and Szponder said it felt good to employ people in the community.

She likes to keep things in the local economy and give people a good place to live. The home in Loveland is now being rented and she is in the process of selling the four-plex.

Szponder is looking for her next place to fix and for someone to buy and who can feel pride in owning a home that was once run-down.

Investment Club of the Rockies members have access to discounts at Home Depot, Uncle Bennys, Sherwin Williams and Sears to name a few.

Membership is $165 a year, but college students can join for free. It is with this membership that members have access to networking, workshops and speakers who are well versed on real estate. Guests are welcome to attend one of the associations monthly meetings for free, but thereafter it costs $15 and will become free if a membership to the association is purchased.

Greg and Mike Vogel, as well as Szponder, are taking homes that would otherwise not be bought and

are fixing them up to be the value of the homes in the community. They are giving the homes that they fix and flip life again. Members of the association like to think of what they are doing as NIPS or neighborhood improvement projects. Locals are being employed to help with the renovations of these homes, property taxes go to the city’s government and materials are purchased from local hardware stores. This is Greg and Mike’s careers and growth has not just been in their wealth. They have experienced inner growth as well.

Mike said the way he views people and money has changed and that real estate investing has made him smarter, wiser and more thoughtful.

Real estate investing and fix and flips will not only help a person to grow their wealth, it will also affect a persons philosophical outlook. Fix and flips are not only a way to make money, they are a way to help the community and bring homes back to the way they once were.

More information on this story can be found at the Investment Club of the Rockies website, www.icorockies.com. Find more on hard money at www.mikeshardmoney.net. Greg Vogel can be reached at 970-449-4304 and Mike Vogel at 970-430-5533.

Local fix and flips part II: Lovelander Freddy Nelson’ s real estate services company specializes in property rebhab, maintenance and investment.

rate charged on most credit cards makes it relatively hard to pay down the debt significantly if financial difficulties persist.

One last piece of advice: Your friend may want to talk to a counselor at Credability.com (formerly Consumer Credit Counseling Center of Greater Atlanta) or another reputable credit counseling center officer to work through the various options that may be available to him.

Glink From Page E1

— share every detail about his finances, including who owns what and who charged up the liabilities he and his ex-wife now owe, then you should offer moral support, point him in the direction of the nearest HUD housing counselor (888-995-HOPE) and keep your dollars in your pocket.

There are programs out there to assist homeowners struggling to make their mortgage payments. The federal Home Affordable Modification Plan (HAMP) is an effort to assist homeowners, but the plan has fallen short and few homeowners are actually benefiting long-term. Some mortgage lenders have their own plans to help borrowers, and your friend should call his lender first. In addition, if your friend has the stomach for it, he can call his credit card lenders and work out a payment plan with them, but he'd have to stop charging more items on his credit cards.

During these hard times, it's tempting to use credit cards to get through a crisis. But unless you know for certain you can pay that credit card off within a month or two, the interest

Question: I have a 30year fixed-rate mortgage. I think I have about 16.5 years left on it. I took it out in 2003, but until recently I was paying a few hundred dollars each month extra toward the principal balance. My balance now is about $106,000.

I'd love to take advantage of historically low rates, but I think I waited too long to make a move. I don't think it makes sense now. If I refinanced to a 15-year loan now, I guess I'd only cut off a year or so, and I think my payment would be about the same. I'm guessing it's not worth the hassle if I'm looking at it all right. Any thoughts?

Answer: If you cut a year or two off from your mortgage, you'll still save thousands in interest. You might also give yourself more of a

tax deduction in the next few years. I think it might be worth doing, but you have to do the numbers.

You should be able to refinance a 15-year at around 4 percent (as of late July).

That is probably quite a bit lower than what you're paying now, depending on how high your interest rate is.

In 2003, your interest rate was probably in the high 5 percent range. If the payments are the same, you're still saving 18 months' worth of payments, so the trick will be to keep your closing costs as low as possible. If the payments are less than what you're paying now, you can add them in and shave even more time from the loan term.

But you're right: If you save, it may not be by all that much. But you won't know for sure until you run the numbers. Note also that if you refinance, you'll have the pressure to make at least the same payment, so if times get a bit tougher for you, that could be a problem as well. Pull out the pad and paper or go to the computer and work out the numbers.

You might also want to sit down with a good mortgage lender or mortgage broker and see what your savings might be and what it would cost you to refinance.

31-316017

Billie Myers (970) 481-1883 billiemyers@coloradohomesale.com

750 7 75 50 5 0W W.. E Eisenh Eis Ei Eise Eisenhower enh

501 Radiant, Loveland

Loveland

669-1234

view more properties at:

www.HomesInColorado.com

PROPERTY OF THE WEEK

Lovely 2 bed/2 bath patio home to warm your soul!

New Dream Maker Warm Floor installed in master bath, vaulted open plan, gas fireplace, skylights, large windows, breakfast nook & hardwood floors! Upgrades throughout! MLS #626482 $189,900

Nanci Garnand 227-1327 or 622-1810

3112 Allison Drive, Loveland Price $290,000

Nanci Garnand 227-1327 or 622-1810

www.604W33rd.com www.LivingInLoveland.com

www.4950Avon.com www.LivingInLoveland.com

Great Ranch home that has been updated. Hardwood floors in the bedrooms. Kitchen has been updated with new range top, floors and is fresh. There is a family room that has outside access. $165,000

Quality Ranch with A/C, finished basement, 3 sided fireplace, Granite countertops. Oversized Master Bedroom, 5 piece master bath, 2 walk in closets & door to Covered Patio & Fenced back yard. $369,000

JUST LISTED

Russell Woodard 679-9960

OPEN SATURDAY 12-2

De Shunn 222-7001

1100 N. Taft Ave. #25, Loveland

1680 Tabeguache Mountain Dr., Loveland

Looking for a low maintenance full-time home, or a perfect snowbird getaway? This home will not disappoint. Over 1550 sf and neat as a pin. Low HOA that includes all exterior maintenance. MLS #634057 $169,900

Mountain views from the covered patio. Spacious and open, 4 bed, 3 baths, 2 fireplaces. Beautiful Wormy Maple cabinets, e-glass, 9 ft. basement ceilings. Large corner lot, oversized 3 car garage. MLS #634132 $388,000

Country Club Estates Home Original Owner/Beautifully Maintained The original owners of this home in Country Club Estates have taken impeccable care with high quality, innovative features such as: Pella casement windows, beamed/vaulted ceilings, private master suite. Every season there has been another ppr project ojjec to enhance the property and keep it updated: Remodeled kitchen and baths (outfi utfifitted ut tt with witith thh names name na mes like Grohe, Kohler, Corian, Schroll, Maytag and Amana), tile flooring, ng, light tubes, window treatments, tinted/textured driveway; Includess No HOA Centennial Recreation Club membership (swimming pool, tennis).

C o me See! This much loved home must be seen to be fully appreciated!

31-316068 6068

Betsy Burns 970-215-1776

www.474Arrowhead.com

100 W. 29th Street Loveland, CO 80538

David Powell 481-5015

www.1331Crabapple.com

David Powell 481-5015

474 Arrowhead, Loveland

1331 Crabapple Drive, Loveland

Must see ranch style home in Mariana Butte, upgradedw/many features! Tile & wood floors throughout, upgraded lighting, newer paint in & out & finished garden level basement w/2 huge bdrms, full baths & large rec room w/surround sound. Main floor laundry, 5-piece master bath. MLS #632527 $325,000

Great North Loveland location! Ranch style patio offers lowmaintenance, luxury style living. Back deck with spectacular views & walk-out basement 75% finished. Bright floor plan, lots of windows, 10 ft ceilings, large gourmet kitchen, 5 pc master bath, office, formal dining & lots of upgrades. MLS #631458 $325,000

Saturday Reporter-Herald July 31, 2010 F3

H&RE Featured Home Property

Stucco details and washes of light at Mansura Multiple ground level bedrooms ideal for older families ASSOCIATED DESIGNS

I

31-315324

t's the Mansura's stucco detailing that first catches the eye. Stately corner quoins anchor the front porch and garage, while bold bands of raised stucco outline an array of graceful elliptical arches and charming circular windows.

All rooms, with the exception of two bedrooms and a bonus room, are on the ground floor. This arrangement makes the plan particularly wellsuited to empty-nesters and families with older children.

Resident teens can enjoy their music without forcing you to hear it, and when the kids move on, those upper rooms can be kept ready for guests, converted to office space, or used for hobbies.

A lofty vaulted ceiling overarches the entry, breakfast nook and great room, and the entire space is awash with light.

Sidelights and transom windows brighten the entry, where an elevated plant shelf extends over the coat closet. In the family room, elongated windows flank the gas fireplace. In the breakfast nook, an atrium door offers patio access, and more light spills in through a wide side

window. While yet another vaulted ceiling expands the bay-windowed dining room.

The roomy kitchen is conveniently located between the nook and dining room. A raised eating bar minimally separates it from the nook, and a pocket door allows total separation from the dining room, when desired. Counter space and cupboards are amply supplied here, including a large walk-in pantry with five shelves. Utilities and a powder room are nearby.

Notable features in the Mansura's owners' suite include: direct access to a private patio, two walk-in closets (one much larger than the other), and a luxurious bathroom softly illuminated by the light that filters in through glass blocks in the bathing alcove.

For a review plan, including scaled floor plans, elevations, section and artist's conception, send $25 to Associated Designs, 1100 Jacobs Dr., Eugene, OR 97402. Please specify the Mansura 30-188 and include a return address when ordering. A catalog featuring more than 550 plans is available for $15. For more information call (800) 634-0123, or visit our website www.AssociatedDesigns.com.

saturday

sunday

PRICE

LOCATION

ADDRESS

HRS

OFFICE

$149,900*

NW LOVELAND

43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5

$167,500

WINDSOR

905 WOODBINE DRIVE

$169,900

JOHNSTOWNMILLIKEN

$169,900*

PHONE

PRICE

LOCATION

ADDRESS

HRS

OFFICE

PHONE

THE COTTAGE REALTY 532-5900

$149,900*

NW LOVELAND

43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5

THE COTTAGE REALTY 532-5900

12-3

THE GROUP, INC.

481-1250

$164,900

SE LOVELAND

530 E 4TH ST

1-3

THE GROUP, INC.

810 VILLAGE DRIVE

1-3

THE GROUP, INC.

310-8804

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 532-5900

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 532-5900

$179,000

BERTHOUD

10818 CIMARRON STREET #204

1-5

THE GROUP, INC.

481-1250

$172,500

NW LOVELAND

3639 WILD HORSE

11-1

PREMIER LIFESTYLE

613-4400

$189,900

NW LOVELAND

3845 DOWNIEVILLE STREET

1-3

THE GROUP, INC.

310-8804

$179,000

BERTHOUD

10818 CIMARRON STREET #204

1-5

THE GROUP, INC.

566-3516

$190,565*

NW LOVELAND

3399 FOSTER PLACE

12-5

THE COTTAGE REALTY 532-5900

$190,565*

NW LOVELAND

3399 FOSTER PLACE

12-5

THE COTTAGE REALTY 532-5900

$224,900

NE LOVELAND

1607 CLEVELAND AVE

12-3

KELLER WILLIAMS

$202,000

SE LOVELAND

1250 FINCH ST

2-5

MIRASOL MARKETING 635-5931

$227,900

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$210,000

NE LOVELAND

1742 MANCHESTER COURT

12-2

THE GROUP, INC.

690-7288

$237,500

SW LOVELAND

1625 TIGER AVENUE

11-2

THE GROUP, INC.

481-1250

$227,500

NW LOVELAND

2695 W. 46TH ST

11-1

PREMIER LIFESTYLE

613-4400

$239,900

NW LOVELAND

1070 SCARBOROUGH DRIVE

11-1

THE GROUP, INC.

679-8265

$227,900

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$279,685

NW LOVELAND

4475 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$279,685

NW LOVELAND

4475 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$289,900

SW LOVELAND

435 CLUBHOUSE CT.

12-3

DEIS & ASSOC.

231-5050

$299,900

NW LOVELAND

1529 DRYLAND STREET

1-3

THE GROUP, INC.

481-1443

$299,900

FORT COLLINS

1002 BURROWING OWL DR

12-5

THE GROUP, INC.

222-8549

$299,900

FORT COLLINS

1002 BURROWING OWL DR

12-5

THE GROUP, INC.

222-8549

$305,000

FORT COLLINS

1014 BURROWING OWL DR

12-5

THE GROUP, INC.

443-9910

$305,000

FORT COLLINS

1014 BURROWING OWL DR

12-5

THE GROUP, INC.

443-9910

$324,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP, INC.

217-3464

$324,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP, INC.

217-3464

$385,400

SW LOVELAND

¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402

12-3

GLEN MARKETING TEAM, ERA

663-4522

$324,900

NW LOVELAND

2952 STERLING DR

1-3

PRUDENTIAL ROCKY MTN

214-4612

$388,000

NE LOVELAND

1680 TABEGUACHE MTN. DR.

12-2

REMAX ALLIANCE

222-7001

$385,400

SW LOVELAND

¼ MILE WEST OF WILSON ON 14TH ST. SW/ 12-3 HWY 402

GLEN MARKETING TEAM, ERA

663-4522

663-4522

$399,750

SW LOVELAND

975 PRISM CACTUS CIR

12-3

GLEN MARKETING TEAM, ERA

663-4522

$539,000

SW LOVELAND

3817 S CO RD 29

1-3

THE GROUP, INC.

227-0964

$795,000

SW LOVELAND

787 BEAVER COVE COURT

1-3

THE GROUP, INC.

402-9100

218-1891

388-6654

$399,750

SW LOVELAND

975 PRISM CACTUS CIR

12-3

GLEN MARKETING TEAM, ERA

$400,000

SW LOVELAND

4902 SINGLE TREE DRIVE

1:30-3:30

THE GROUP, INC.

679-8265

$420,000

NE LOVELAND

805 KNOBCONE PL

1-3

COLDWELL BANKER

222-4035

$600,000

BERTHOUD

2253 JONES PLACE

12-2

THE GROUP, INC.

231-9073

$649,000

WINDSOR

4662 MEADOWLARK

12-3

KELLER WILLIAMS

217-5973

$895,000

SW LOVELAND

288 RESERVOIR DR

1-4

PREMIER LIFESTYLE

481-5512

$895,000

SW LOVELAND

288 RESERVOIR DR

1-4

PREMIER LIFESTYLE

481-5512

$899,000

SW LOVELAND

530 DEER MOUNTAIN DRVIE

1-3

THE GROUP, INC.

461-7136

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

For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifieds” section of this publication. This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.

WWW.HOMEANDREALTYGUIDE.COM •CLICK ON

OPEN HOUSE MAPS

Saturday Reporter-Herald July 31, 2010 E4

H&RE Front Range Gardening

Pond Parade supports Larimer County Search and Rescue JENNIFER LEHMAN SPECIAL SECTIONS REPORTER

T

en homes in Fort Collins, Loveland, Wellington and Windsor will be exhibiting their backyard water features including koi ponds for the 8th annual Alpine Koi & Homescape Parade of Ponds of Northern Colorado tomorrow, 9 a.m. to 5 p.m.

“We started doing it initially just to give people an opportunity to talk to different pond owners and find out what works and what doesn't, what to do differently, to get ideas and it’s kind of a fun thing,” said Hanna Sparks, parade coordinator and owner of Alpine Koi with husband, Casey Sparks. “It gives the consumer a chance to talk to someone about what works from their perspective.”

The Sparks didn't intend for the parade to be profitable so when customers suggested they increase event marketing to make money, the Sparks chose to use all proceeds for charity instead. All proceeds from the Pond Parade go to Larimer County Search and Rescue where Hanna and Casey volunteered for a little over a decade before starting Alpine Koi. “One of (Larimer County Search and Rescue's) fundraisers was doing fair parking when they were at the old Loveland fairgrounds. When they built The Ranch they kind of lost that fundraiser. We thought it would be kind of cool that we could replace that for them,” Sparks said, adding that the Pond Parade isn't as man hour intensive as the fair parking was.

“It was something we would be able to do to give back to them and give back to the community,” she said.

Parade attendants can see

the exhibited water features one of two ways, through a self-guided tour or on the air conditioned party bus.

Self-guided tours cost $15 per car and party bus tickets cost $30 per person and includes a sack lunch and soft drink. There is also a bar on the party bus. Depending on how much time people spend at each stop, the tour lasts 4 to 5 hours, Sparks estimated.

Current pond owners looking to upgrade and those looking to install for the first time attend the tour, Sparks said.

“They like to see what other people are doing and get ideas on how they can upgrade theirs and it's just a fun outing,” Sparks said.

The parade gets yearly attendants from as far as Nebraska and Wyoming and the party bus can be especially nice for them, Sparks said since they are not as familiar with the area.

One of Alpine Koi's employees is on the bus to answer questions about ponds.

“On the bus it's a very social, everyone talks, make some friendships along the way,” Sparks said.

All ticket buyers are given a ticket booklet with descriptions of the different locations.

Locals seek out the Sparks to become a part of their company’s pond parade. “People come to us.

It's never been an issue where we had to say, oh gee, your pond isn't worthy. “(Size) has absolutely nothing to do with it. They all have their own unique style and personality, size really doesn't matter. People with a very small yard can still have a small pond or at least a small water feature,” Sparks said.

One of this year's ponds is a repeat from five or six years ago after requests for a glimpse at a pond that

had matured for a few years, Sparks said.

“We try to have ponds that are constructed by the homeowners and some that are professionally done and try and have contractors there and tell them about their work,” Sparks said. “If you're not handy you can have it done, if you are handy it's certainly not out of the realm to do it yourself.”

The history of built water features close to the home goes back to ancient Rome, Sparks said. Water was always a part of their architecture, their foundations and their temples, she said.

“It can be a very addicting hobby,” Sparks said, adding that the ponds are good for your senses and mental health and help in “just calming down and getting away from the rat race.”

Backyard ponds help mask city noises, Sparks said, and help provide feelings of seclusion and privacy.

“Some people usually really like the fish. Other folks are gardeners and really like the gardening. I like to garden and it’s great because I don't have to remember to water anything, I don't have to pull weeds.

“A lot of people get really attached to their fish. They do tend to have personalities and you get to know them and they recognize you, believe it or not. They are pretty easy pets, don't shed, you can leave them for a few days and they're just fine in their environment,” Sparks said.

Water features also bring new guests to the backyard, Sparks said.

“It draws wildlife, always have a lot of birds around, it's enjoyable to sit out and watch.”

Sparks said people are not traveling as much because of the economy making home a more desirable

Photos courtesy of Alpine Koi

Top: Backyard pond at the home of Paul and Paula Harder of Windsor.

Middle: A pond at the Bohlander residence in Fort Collins.

Bottom: A forest oasis at the home of Daniel Sether in Loveland.

If you go What: Pond tour, funds go to Larimer County Search and Rescue When: Tomorrow, open for viewing 9 a.m. to 5 p.m.

Where: Ten homes in Northern Colorado.

Bus tour starts at Alpine Koi, 2715 E. Mulberry St, Fort Collins.

Cost: Self-guided tour $15 per car; $30 per person for bus tour, includes lunch, drink. place to be. “I think a lot of the people that have ponds are home more enjoying them.”

“The downside with the economy is that the people that don't have them are hesitant to spend the money to get one,” she said. A fear of not knowing how to go about it also keeps peo-

chased Sunday.

Alpine Koi's doors will be open Sunday 9 a.m.- 5 p.m. and the tour bus will leave from the store at 9 a.m.

Larimer County Search and Rescue will have a booth at the store around midday.

Donations to the LSAR can be made online by going to www.larimercountysar.org.

$200,000 - $299,999

FEATURED PROPERTIES - UP TO $199,999 LARGE CORNER LOT!

ple from putting ponds in and “the pond tour gives them the opportunity to talk to pond owners,” Sparks said.

Both self-guided and bus tickets are still available for purchase today over the phone or at Alpine Koi in Ft. Collins. Self-guided tour tickets can also be pur-

OPEN HOUSE SATURDAY 11 - 1

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Great 4 bed/2 bath home! Like new inside: repainted, new carpet & new kitchen countertops. Garden level offers a finished family room w/fp. Home is on LARGE corner lot! MLS#633897 $199,900

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Gas fireplace, ac, Rinnai hot wtr heat. Room to expand. $227,500.

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Custom-built 3410sf, 3BD, 3BA stone & cedar 2-story home on a .24 acre landscaped lot that backs to Roberts Lake! Huge master suite w/ sitting area & bath! Views of the lake from the huge sunroom!

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NEW CUSTOM RANCH - 288 RESERVOIR

*GEOTHERMAL/A/C $31/mo gas • 5115sf fin’07 WO Ranch • 5 bds, 5 bths, 3car • 3 Ac • Concrete Siding • On-demand H20 htr • Gourmet ktchn • Granite cntrs, hkry flrs • Hwy34 W to CR27 (Masonville) R Bison Bluff

Highest quality custom 4608sf, 4BD, 5BA home on 2.3 acres! Many extras: radiant floor heat, 8’ Alder entry door & interior Alder doors, Ash floor, steam shower in master, au paire suite & much MORE!

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.

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Gary Maggi 970-692-2002 gary@berthoudrealestate.com www.berthoudrealestate.com

John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512

homeandrealtyguide.com Your online and print resource for residential, commercial and land for sale

Saturday Reporter-Herald July 31, 2010 F4

H&RE Front Range Gardening avoiding those that are wilted or starting to fade. Pinch, don’t pull flowers from the stem.

Different growing conditions effect flavors; be sure you like what you’re harvesting. To avoid bitter meals, taste the flower before spending a lot of time picking them. treat them as you would any vegetable and Remember, they’re delicate, so wash flowCAROL O'MEARA ers with a fine spray of water just before usCSU EXTENSION grow them organically, following the five ing them. Try these: rules for eating flowers: Daylilies: Packed with vitamin A and C, 1. Be absolutely positive about identificahe bravest man I know shudders at these flowers also have three grams of protion - not all are edible, and some can be the thought of dining at my house tein in every bud. Harvest buds when harmful. Know beyond doubt what you during summer. Not because I’m a they’re one-and-a-half to two inches long; have before eating it. terrible cook or my food might lead to hoslarger than this and they’re bitter.

2. Common names are misleading, so pitalization – these risks he faced in World Pansies: Harvest by picking the stem all don’t pick a flower based on its moniker.

War II and Korea. No, the reason my father the way to the plant, keeping the flower inSweet peas, for example, are poisonous, fears my table is because the meals I serve tact. while yucca is tasty. blossom with edible flowers.

Pop petals into ice cube trays, fill with 3. Many greenhouses and florists spray You might think it silly for a person to water and freeze for an elegant touch in plants; these flowers are not suitable for hesitate over eating a flower; after all, nas- eating. Use only those picked from your drinks, or use fresh in salads. turtiums, squash blossoms and chives have garden or from a reputable, food-grade Roses (Rosa spp.): Pull or snip petals been mainstream in culinary creations for source. from the bud. The white inner portion of years. But if you think these are the limit of 4. Flowers may cause allergic reaction in the petal is bitter, so snip it off before usfloral flair, you’re missing out on a decora- some people with asthma or hay fever, or ing. A rose’s perfume gives a clue to its flative way to spice up your dining. vor, and varieties that have a stronger scent give you a digestive malfunction. Start Delicious, cucumber-like Borage (Borago slowly, and eat only small amounts of them generally taste better. Look for those that officinalis) popped into salads or dips, smell like food; you’ll find roses can be citat first. sauteed Daylily buds (Hemerocallis fulva), rusy to spicy, sweet to mild.

5. Many chefs garnish with flowers that cheerful pansies (Viola x. Wittrockiana) in aren’t edible. Check with the kitchen beLavender (Lavandula angustifolia): Pull festive salads, or Scarlet Runner Bean blos- fore eating them. the petals from the bud and pinch off the soms (Phaseolus coccineus) highlighting tiny white ends. Lavender can turn bitter Flowers degrade faster than herbs, so steamed green beans all have a place on when dry; use them fresh for sweetest flaplan to use them within a few hours. Keep the summertime table. vor. Because the taste is bold, a little goes a them fresh by storing in the refrigerator. long way - use petals sparingly.

But finding flowers for cooking may Pick flowers on cool mornings, choosing With many flowers, such as roses, tulips, mean growing them yourself. If you do, those that are just becoming fully open and

Edible flowers give meals zest

and lavender, only the petals are edible.

Remove the stamens, styles and pistils from inside the flowers, and snip off the outer, green sepals. If the flower is tiny, gently pull the petals from the bud to use.

Others, like runner beans, honeysuckle, and pansies may be eaten whole.

T

Summer activities and gardening tips MITZI DAVIS CSU EXTENSION

L

ooking for things to do with your children this summer? Check out the great children’s garden at the Gardens on Spring Creek, located at 2145 Centre Avenue in Fort Collins. If you’re ready for a road trip, there is the new Paul Smith Children’s Village in Cheyenne near the Cheyenne Botanic Gardens. In addition, the Denver Botanic

Gardens is opening their new three acre children’s garden in mid-August.

Keeping fruits and vegetables harvested will encourage more production from plants. Learn to can or freeze your excess produce, or donate some to your neighbors and the Larimer County Food Bank.

Carry a bucket of water with you to the garden when you’re cutting flowers for bouquets. Use sharp shears or a knife to make a clean cut and cut the stems at a slant. The slanted cut will allow more water to be absorbed into the stem.

Start sowing fall season crops like lettuce, spinach, radishes, chard and beets. They should be ready to harvest before our first frost.

Photo courtesy of Carol O'Meara

Deviled eggs served with marigolds.

Apartments/ Duplexes 4060 Houses Unfurnished 4030 2 BDRM, Berthoud. Large 2 bdrm, 129A

Apartments/ Furnished 4010 Kitchenettes. Weekly, monthly rates. Util. pd.

Satellite TV, laundry rm.

970-663-0400

liv rm, laundry rm, near 2 BDRM Mobile home, school, cov pkng, yd, huge $600, rent includes utils. storage. $685. 303-684-6554 Estate Builder 970-667-3400 3 BDRM, 1 ba, 2 car gar2 BDRM, 1 ba, quiet down618 Jocelyn Dr. $800. town location. No smoking/ No smk/no pets. Estate pets. $550/mo. 431 E. 8th Builder, (970)667-3400 St., Lvld. (970)663-2341 or (970)667-7309 3 BDRM, 1.5 BA, 1 car gar, W/D hkup, no pets, N. 2 BDRM, 1 bath- $665 Lvld, $800/mo 970-587-0563 ALL utilities included!

Clean and quiet end unit. 1015 3RD ST- BERTHOUD On-site laundry, close to 3 bdrm, 1 car gar, fncd yd. rec center! 970-669-1375 $795/water pd. 720-296-1337 2 BDRM, $540/month, 1708 E. 16th, 2-story Call rmpm.com 669-0842

3 bdrm, 1.5 ba. frplc, fncd back yd, 1 car gar. No smk/ pets. $825/mo. Avail. 8-15 NW LVLD 970-214-2214

4080 Office Space 4100 Johnstown

HIGH TRAFFIC area & S Monroe, competitive rates. New Lvld; Pet neg, no gar, sm mgmt ● Special 1/2 off 1st yd $700/$700 303-659-7471 month´s rent. Eisenhower & Monroe. (970)545-2444 3 BDRM, 222 SW 42nd, $895/mo, new carpet/paint.

Call rmpm.com 669-0842 Office Suite, 850 sq. ft., first 3 months free, $7 sq. ft. + 3 bdrm, 2902 Katie, $1050/ NNN, 970-290-9040. mo, pets neg, fncd yd, Call Sm dwntwn office bldg w/ rmpm.com 970-669-0842 reception, 3 offices, & 5 offstrt prk sp. 970-667-5145

3 BDRM 2 bath, $1100 + util, deck, fresh paint, new carpet, SW Lvld, 1 block from mid sch, 3 blocks from elem. 970-663-6787 or 970-430-0859

Apartments/ Unfurnished 4030

3 BD or 2 BD- Free rent! Spacious 3 bdrm, $850/mo Pets nego. Quiet & spac. 1300 sq ft, Tri-lvl, 1.5 ba, fncd yd, 1c gar, $850 dep, 3 BDRM, 903 Ptarmigan, $625-$695. 970-223-1349 7 2 1 N y s s a , N o p e t s $1295. New crpt, No pets 970-518-2730 Call rmpm.com 669-0842 1 rm, Studio+ Vintage apts LARGE 3 bdrm, 2 bath 0 utils! On-site mgmt. W/D, 1312 sq ft. Lots of storage/ DirTV $333-590 970-219-8162 amenities Great Location, Nice 3 bdrm country home. won´t last! 970-667-1644 1554 DEANNA- 2 bdrm, HORSE WELCOME! E. of heat/water pd, no pets. Spacious 2 bdrm, 1.5 bath I25. (970)593-8048 or Refs. $535. 970-667-7538.

970-577-1102 945 sq ft. Central Air! Nice area!Call Today!

(2) STORAGE AREAS: 1 bdrm, 518 E. 1st, $540/mo, 970-667-1644 OWN your own home for 780 SF $250; 1170 SF $350 no stairs, NICE! Call what you pay in Rent!

(970)635-2717 rmpm.com 970-669-0842 Lowest rates, $0 - $1000 Down Free Prequalification.

Western Plains Realty 1 BDRM, $550/mo.

Ken or Tammy Clean, quiet, friendly 970-663-5008 1147 SF Shop + Loft, OHD, complex, No pets.

3/4 bath + office. $795/mo.

Walk-in closet, stor136-1/2 South Lincoln. age. HT & WTR PD. 970-663-3493, weekdays 970-667-8370. before 5pm. 970-663-3228 To ensure you receive best response to your EQUAL HOUSING the 1 BDRM APARTMENT- 2000 Sq Ft Beauty Shop/ advertisement, please new paint/flooring, W/D Retail on 4th St. Off street check your ad the first OPPORTUNITY hookup, no-smoke, utils pd. prkg. Call 970-593-2401 day of publication.

All real estate $595/mo. (970)669-2645 We regret we cannot be advertised in this 6000 SF Retail/Warehouse responsible for more paper is subject to the ✭1 BDRM. Gar w/opener, on Hwy 287. Overhead door. than one day´s incorrect federal and state Fair W/D, DW. No smk/pets. 970-593-2401 or 970-227-7447. insertion. Billing Housing Act which $600 incl. Ht, wtr, trash. inquiries can be makes it illegal to 970-667-6199 or 231-2566 Approx 700 SF 2nd floor initiated within 30 days advertise “any ✭ No Fri Eve/Sat calls ✭ storage/office, NW corner of ad expiration. preference, limitation of Bunyan & 1st, Berthoud, or discrimination $575/mo + dep 970-532-2652 based on race, color, 1 BDRM, lg, in Lovelandreligion, sex, handicap, Special 1st mo. $350. $645 + familial status or dep. Heat, wtr, trash pd. Approx 800 SF 1st floor national origin, or an 970-214-2057 or 970-266-0206 commercial/office space, intention to make any Mt Avenue, Berthoud, such preference, 1 BEDROOM- All appl´s. limitation, or 1031 E. 4th St. Off St pkng. $700/mo + dep 970-532-2652 ✭ 2 BEDROOM Home ✭ discrimination.”

No pets/smoke. $575/mo. $575+dep. West Hwy 34. util´s pd. (970)217-8274 Best location in Berthoud, 970-690-9049 The newspaper will not knowingly accept 2 BDRM Mobile home, 350 SF commercial/office space, 345 Mt Avenue, any advertising for $600, rent includes utils. real estate which is in Estate Builder 970-667-3400 $500/mo + dep 970-532-2652 Move in August for $1!!!! violation of the law.

NO JOKE 2 BDRM, 1.5 bath. Large All persons are hereby Only 3 homes available, unit! $700/mo. + utilities. informed that all Quick & Easy Approval Avail immed. 970-4816418 dwellings advertised Look today, MOVE TODAY are available on an Call 970-420-8488 wac equal opportunity basis.

NEW HOMES REDUCED! 2 BDRM, $625 + elec, 3 BDRM, 2 Ba Beautiful Don´t miss out on this free heat & basic cable, Townhome - Centerra!

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970-663-6787 or access, Call rmpm.com Tax ID´s welcome. Limited drakemanor.com 970-430-0859 970-669-0842 (970)493-4052 availability ACT NOW!!

Call 970-420-8488 *wac

Garages/Storage Spaces 4070

Commercial Industrial 4040 Houses

RANCH-w/ walkout A+ custom ranch finished walkout. 3 bed, 3 bath, 6 car att gar w/ shop, RV pad w/ elect/water Call Dennis 303-358-4361 1009 N 4th St

Lots & Roommates Wanted 4120 Tracts

5100

2 ACRE LOT, Berthoud SHARE HOUSE, own bath area, $40K price reduction, $500/month. Must love $125,000. Call Steve Conder animals. (970)635-2703 for details, 303-514-3706.

Loveland Retail Space 4135 OFFICES, RETAIL, INDUSTRIAL. UTIL´S INCLUDED. 970-744-8763

5110

BANK OWNED- 3 bdrm, 3 bath, 2-story, 1/2 duplex, main floor master, A/C, frplc. $227,900. Re/Max Alliance, Wanda Quaid, 970-481-3033

4080

A picture is worth a thousand words

✔✔✔✔

Mobile Homes/ Spaces 4090

Condos/ Townhouses 4050

5087

Try a classified picture ad! Call for details

970-635-3650

Businesses Established 5025

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

Julie Stinson RE/MAX Alliance 970-622-1809

Oil & Gas Opportunities 15% to 30% Annual Return

By Owner ✭ Open Sat & Direct Participation/ Sun 12-3pm 3006 Kiowa Dr. Tax Benefits Ranch w/ walkout bsmt, Gary 970-927-2764/309-1535 screened porch, formal din rm, 3+ bdrm, 3 ba, new furn/AC, Exc. area. $285,000 970-663-2920

Commercial 5030 OWNER FIN -100% leased, 8 coml bldgs. $200K-$1.1M CC/PRMR. 970-225-4043

Mobile/ Manufactured Homes/ Spaces 5130

Condos/ ❦❦❦❦❦❦❦❦❦❦❦ Townhouses 5040 2 bedroom, 2 bath, 1995, 3 BDRM, 1303 Nickel, $725/mo, finished bsmt.

Call rmpm.com 669-0842

14x70, all appl inc, fenced yard, pets ok, shed inc, lots of extras $17,500 303-746-3143

❦❦❦❦❦❦❦❦❦❦❦

Front Range Gardening

Gardening Q&A SUSAN PERRY CSU EXTENSION

Q 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

Carol O’Meara is with CSU Extension in Boulder County.

Contact her at 303-678-6238 or comeara@co .boulder.co.us.

uestion: I think I have a unique variety of apple tree since some of the leaves are purplish color and the bark looks black.

Plus the tips of the branches are curved. Could you tell me what it is?

Answer: Sadly, your apple tree is likely being affected by fire blight, a bacterial disease that can occur in apples, pear, quince, crabapples, pyracanthas, blackberries, and raspberries. Typical symptoms of fire blight include discolored leaves and bark, burned looking twigs with a telltale “shepherd’s crook” at the end, dried or oozing fruit, oozing “sores” in bark, and wilted or apparently wet flowers and blossoms. Occurrence of fire blight can vary from year to year, and how extensively it affects a given plant depends on vulnerability of the particular cultivar you own, the age of the plant, and weather conditions. However, the bacteria can overwinter in affected branches and bark cankers, enabling the rapid spread under favorable spring weather conditions. Typically, warm rainy spring weather lends itself to rapid spread of fire blight by wind and rain. The disease can be worsened when wounds caused by hail damage allow the bacteria to enter plant tissue or by improper pruning or disease management techniques. Hot dry weather normally slows the progression of the disease.

There is no cure for fire blight but the best way to prevent it is to choose resistant varieties, utilize cultural practices that reduce the conditions favored by the bacteria, and careful pruning to remove infected areas. While chemical sprays are available, they are typically recommended only if applied professionally due to chemical toxicity and the need to spray at extremely precise times during the plant/disease life cycle.

While selecting blight-resistant varieties can help minimize the chances of infection, no cultivar can be guaranteed to be immune when the bacterium is plentiful and weather conditions favorable. Selecting plants adapted to local growing conditions, proper placement in the landscape, minimizing plant stress through appropriate irrigation, annual pruning of young trees and avoidance of over-fertilization will all contribute to healthier plants increase chances of resisting disease.

The utmost caution must be used when pruning affected areas. After each cut, you must sterilize your cutting tool by dipping it in bleach or ethyl alcohol to prevent bacteria spread. Pruning cuts should be made eight to 12 inches below the area of visible infection. Care should be taken not to accidentally create wounds or make unnecessary cuts since these can create new entry points for the bacteria. The best time to prune is when the tree is dormant, during the winter; pruning in winter also does not require tool sterilization. Immediately remove and destroy all pruned material to reduce the chance of spreading the disease.

For further detail on diagnosing and managing fire blight, refer to CSU Extension Fact Sheet #2.907 available at www.ext.colostate.edu.

Susan Perry has received training through Colorado State University Extension's Master Gardener program and is a Master Gardener volunteer for Larimer County.