Saturday Reporter-Herald August 14, 2010 E1
Real Estate Matters
www.homeandrealtyguide.com • Saturday, August 14, 2010 • Reporter-Herald
Adjustable loan may be risky ILYCE GLINK TRIBUNE MEDIA SERVICES
Q
uestion: We are being offered an FHA Streamline loan. We currently have a 5 percent fixed rate loan. We’re thinking about taking a 3.875 percent 5-year FHA adjustable rate mortgage. Is this a viable idea? We are being told that in the worst-case scenario, if interest rates were to rise, the rate could only go up 1 percent per year, so it would be 5.875 percent in the 7th year. Is this truly the worst-case scenario? Answer: An adjustable rate loan (ARM) generally will have certain yearly caps and will have a lifetime cap. In your case, your FHA loan would become a new loan with a starting interest rate of 3.875 percent. That’s a great rate by historical standards. However, the interest rate would only be good for five years. At the end of the five-year period, the interest rate on that loan would fluctuate depending on where interest rates are in the market. If interest rates have gone up, the interest rate on your loan will go up. However, the loan may have a maximum increase of 1 percent per year. So your interest rate for the sixth year could go up to 4.875 percent, and the same could be true the following year, with an increase to 5.875 percent. These loans usually cap the interest rate increase over the lifetime of the loan to five percentage points, so the maximum interest rate for your loan would be 8.875 percent. If you plan to live in the home only for the next three to five years, this loan might be a good option for you. But keep in mind that you need to make sure that you aren’t paying too much in fees on the loan being offered to you. Even your current 5 percent loan is a pretty good rate. Interest rates might fall further. This week, the 30-year fixed rate loan reached about 4.25 percent from many lenders (Freddie Mac reported the average 30-year rate as 4.49 percent, a new record low). Interest rates on a 15-year loan were available as low as 3.75 percent. While all this sounds like nearly free money, make sure you’re changing your loan terms for the right reasons. If you plan to be in your home for the next 20 years, you might want to consider a longer lock on your interest rate. If you’re having trouble paying your bills, or expect to lose your job or income soon, and have applied for the loan change to reduce your monthly expense, you I See GLINK/Page E4
Instant Playground Neighbor to Neighbor, Home Depot collaborate on Fort Collins playground JADE CODY SPECIAL SECTIONS EDITOR
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fter exhausting day-long construction, 68 families and nearly 100 children have a new place to play. Neighbor to Neighbor, The Home Depot and Kaboom partnered to build a new 2,500 square foot playground at Coachlight Plaza Apartments in Fort Collins. “We’re pretty thrilled to be able to offer it to our community and residents,” said Wendie Robinson, executive director for Neighbor to Neighbor. She said the project will serve its largest low-income apartment community. Since 1970, Neighbor to Neighbor has provided housing options, support and counseling for low-income residents in Larimer County. The playground was constructed in one day, though plans for it started last year with a grant application. Neighbor to Neighbor contributed $7,500 for the project, and received major sponsorship via a $65,000 grant from The Home Depot Foundation. Representatives from The Home Depot and Kaboom were also on hand in construction efforts. The Home Depot is a founding partner of Kaboom, a national nonprofit organization that builds playgrounds. To date, Kaboom has built over 1,800 playgrounds and 3.5 million children. Kaboom’s mission is to
Photos courtesy Neighbor to Neighbor
Volunteers construct a playground for Coachlight Plaza Apartments in Fort Collins on Aug. 12. create a place to play within walking distance of every child in America. The previous playground at Coachlight Plaza Apartments, which was constructed in 1982, was old, dilapidated and unsafe for the children, Robinson said. The trio of organizations first removed and recycled the older playground equipment, then went to work on installing the new playground. It features picnic tables, tree benches, a shed, a fence around the community garden and a pergola for parents keeping an eye on children at play. “We’ve been thrilled,” Robinson said. “Many of the residents got involved with the planning and construction.” Children will be able to play on the playground starting Sunday, after the cement has dried.
HUD offers grants for counseling COLORADO ASSOCIATION OF REALTORS The U.S. Department of Housing and Urban Development announced that $79 million is available for housing counseling programs to help families find and preserve housing. These grants will be awarded competitively to HUDapproved counseling agencies and State Housing Finance Agencies. National and regional agencies distribute much of HUD’s grant funding to HUD approved community-based housing counseling organizations that provide advice and guidance to low- and moderate-income families seeking to improve their housing conditions.
More than 220 volunteers from the community, local The Home Depot stores, Neighbor to Neighbor, and organizers from the nonprofit organization Kaboom helped with the playground construction. The Home Depot Foundation was created in 2002, and has built or refurbished more than 1,875 playgrounds, parks and green spaces. The organization has granted $190 million to nonprofit organizations. The Loveland Housing Authority worked with Kaboom in June for a new playground at Orchard Place Apartment Community in Loveland. ABOUT NEIGHBOR TO NEIGHBOR Neighbor to Neighbor serves Larimer County residents in three key client service areas: • Renter Program, which as-
sists the homeless and renters to identify, secure, and maintain affordable, sustainable housing and work toward self-sufficiency. Neighbor to Neighbor provides up to $300 per household in emergency rent assistance to prevent homelessness. • Affordable Housing Program, which provides 126 units of safe, decent multi-family housing to low-income renters in 10 properties in Fort Collins and Loveland. • Home Ownership Program, which helps renters work toward successful home ownership, counsels homeowners in crisis to help prevent foreclosure and provides guidance to seniors considering a reverse mortgage. For more information, visit www.n2n.org, www.homedepotfoundation.org and www.kaboom.org.
Fannie Mae launches online resource to educate struggling homeowners COLORADO ASSOCIATION OF REALTORS
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annie Mae has announced the launch of www.knowyouroptions.com, a new consumer education website that outlines the choices available to homeowners who are struggling with their mortgage payments, and provides guidance on how they can contact and work with their mortgage company to find solutions. The online resource, which offers reliable and easy-to-understand information in both English and Spanish, expands on Fannie Mae's ongoing efforts to help struggling borrowers find alternatives to foreclosure.
Key features of KnowYourOptions.com include: • Interactive Options Finder to help homeowners identify options that might be right for their situation; • Calculators to help borrowers understand how many of the options work, including refinance, repayment, forbearance, and modification; • Videos featuring real homeowners discussing how they received help and housing counselors providing advice; • Next steps and helpful forms, including a financial checklist and contact log to help borrowers be prepared when contacting their mortgage company or housing counselor.
Inside this week’s Home & Real Estate
Real Estate Transactions
Downtown Project
Home purchases in the Northern Colorado area
Stalled downtown project seeks investors
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Page E3
Featured Home Plan
Cicadas’ Summer Song
Director y
Craftsman features adorn the spacious Ethridge
Carol O’Meara delves into this musical insect
Page E4
Page E5
Page E6
Saturday Reporter-Herald August 14, 2010 E2
H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.
Loveland • Justin & Brandy Cook from Gardner Christopher C & Elizabeth T, 412 Namaqua Rd, Loveland, $223,000, home • Judith Nesbit from Gonzales Kenneth J, 3850 Carbondale St, Loveland, $200,600, home • Thomas Roush from Hess Irene E, 2721 Abarr Dr, Loveland, $230,000, home • Judith Bryant from Huffaker Ray E Jr & Dawn R, 221 E 50th St, Loveland, $180,000, home • William & Marlene Mersch from Hunt L Charline, 4771 Dillon Ave, Loveland, $173,000, home • Neil Piper from Hute Erik J & Dawn K, 2636 Susan Dr, Loveland, $150,000, home • Mona Oliverius from Oesterle Aaron, 414 Radiant Dr, Loveland, $170,000, home • Jean Wilson from Ray Delores Klein Living Trust, 2401 W 29th St, Loveland, $265,000, home
• Roger & Janet Williams from Schwerdtfeger Paul & Marci, 4615 Twin Peaks Ct, Loveland, $323,500, home • Benjamin Darcey from Sowder Jeremy A & Carmen, 365 E 48th St, Loveland, $159,900, home • Laura Henson from Tartaglia Michael L & Sunny C, 3775 Drake Dr, Loveland, $248,000, home • Ttt Llc from Banks Kevin D, 389 Blackstone Cir, Loveland, $232,000, home • Charles Jack from Marshall Steven G & Brenda A, 3942 Crestone Dr, Loveland, $217,500, home • Andrew & Christine Moore from Eckert Michael J, 1250 E 4th St, Loveland, $115,000, home • Walter & Denise Broedner from Helms Sheldon H & Norma J, 1627 E 16th St, Loveland, $325,000, home • Charles & Judith Cegielski from Karnes Nancy Helen, 2102 Van Buren Ave, Loveland, $185,000, home • Martin Palmer from Obendorf Kevin A, 1236 N Jefferson Ave, Loveland, $135,100, home • Crop Inc from Rangeview Four Llc, 3005 Rocky Mountain Ave, Love-
land, $15115,500, home • Mark & Linda Anderson from Calato Katharina J, 895 Owl Grove Pl, Loveland, $569,000, home • Daniel & Christine Burseth from Garner Robert N Jr & Patricia L, 412 Mustang Dr, Loveland, $385,000, home • Holly Simpson from Hoffman Derrick E, 3282 Coal Creek St, Loveland, $179,000, home • Brent Irwin from Houser Patrick, 4433 Sweetgrass Dr, Loveland, $349,000, home • Cortina Llc from J Roberts Constr Llc, 524 W 69th St, Loveland, $250,000, home • David & Ellen Shepherd from Jold Inc, 5979 Gitalong Rd, Loveland, $197,000, home • John Hostetler from Martinez Beatrice M, 844 Black Maple Dr, Loveland, $150,000, home • Nancy Ballard from Morey Daniel P & Gina L, 4868 Harrison Ave, Loveland, $159,900, home • John & Catherine Lehner from Williams Robert A & Janice H, 1489 Scenic Valley Dr, Loveland, $412,500, home • Joseph & Jaclyn Henry
from Hsbc Bank Usa, 4275 Hawg Wild Rd, Loveland, $104,000, home • Loveland C from Loveland City Housing Authorit, 1238 Garfield Ave, Loveland, $180,000, home
980 Welch Ave, Berthoud, $157,000, home
Hawthorne Ave, Johnstown, $181,000, home • Beverly Joberg from Houston Derrald H & MarEstes Park • Wulin Lee from Bartram sha K, 1746 Canvasback Dr, Johnstown, $275,000, Roger A & Cheryl L, 1825 home Ranch Cir, Estes Park, $280,000, home Berthoud Windsor • Howard & Helen • Edward Davis from Ken- Schroeder from Richard H • Tambor Williams from neth Virginia Schleiger Liv, Wille Trust, 1610 Raven Cir, Hibbert E G, 6403 Half 414 Indiana Ave, Berthoud, Estes Park, $392,500, home Moon Bay Dr, Windsor, $110,000, home • Terry & Janet Larsen $365,000, home • Michael & Sunny Tart from Tall Henry C & Joan • Jonathan & Michelle from Hillam Blake & Beckie M, 2230 Larkspur Ave, Kary from Yost Paige S, 305 K, 1727 Wales Dr, Estes Park, $335,000, home Habitat Cv, Windsor, Berthoud, $395,000, home • Margaret & Margaret $535,000, home • Manuel & Lynne DesRiedesel from White • Bryan & Pamela Hardousa from Fannie Mae, 815 Bernard A & Carol Lou, 732 man from Melody Homes Green Wood Dr, Berthoud, Par Ln, Estes Park, Inc, 1563 Windshire Dr, $235,000, home $325,000, home Windsor, $278,500, home • Ching Wu from Garcia • James & Joy Ferguson Candelario, 110 E Turner from Valenti Michael & Johnstown Ave, Berthoud, $215,000, Mary, 2043 River West Dr, • John Ramirez from home Windsor, $370,000, home • Andrew & Sandra New- Bright William T, 518 Peb• Charles & Patricia comb from Dennis Robbins ble Beach Ave, Johnstown, $159,500, home Smith from Westmark Carpentry Inc, 1731 Wales Homes Inc, 7366 Spanish • Lowell & Sally Harris Dr, Berthoud, $322,000, Bay Dr, Windsor, $343,900, from Hartford Homes Inc, home home 4384 Thompson Pkwy, • Maurice & Carol Mizer Johnstown, $410,000, • Jonathan & William from Sterkel Marvin E & home Ainslie from Fannie Mae, Harvey W, 209 Hubbell St, 6543 Pumpkin Ridge Dr, • Michael & Della Allen Berthoud, $238,000, home Windsor, $346,900, home from Kottler Mitchell, 313 • Joanmarie Bernard Graham Ln, Johnstown, • Todd Stanton from Fedfrom Hershman Daniel L, $280,000, home eral Home Ln Mortgage 3190 Rotor Wy, Berthoud, $145,000, home Corp, 6742 Crooked Stick • Randolph & Heidi Hill Dr, Windsor, $476,000, • Haiko & Monika Eichler from Estergard Michael & home from Tarkington Kathryn P, Amy Jordan, 325
Regional Snapshot for Loveland/Berthoud Residential 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
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
Mortgage rate update This week Last week Trend
30-year fixed
4.52%
4.57%
15-year fixed
3.95%
4.03%
5/1 ARM
3.51%
3.60%
For home and real estate advice, features and information, visit www.homeandrealtyguide.com
Open Houses This Weekend - www.thegroupinc.com NEW HOME!
SELLERS OFFERING $5,000 ALLOWANCE
ONLY 4 UNITS LEFT
SATURDAY/SUNDAY 1:00 - 3:00
SATURDAY 1:00 - 3:00
SATURDAY 1:00 - 3:00
SATURDAY/SUNDAY 1:00 - 5:00
4501 Lucerne Avenue, Loveland - Be er than new townhome w/decorator paint colors, black appl, A/C & garage door opener. Open flr plan w/cathedral ceilings, 2 bdrms, 3 bths, lo area & a ached 2-car garage. Low HOA. Hosted By: Diana Luthi (Sat) 461-2692 and Jesse Laner (Sun) 672-7212.
810 Village Drive, Milliken - Model home for sale! Ranch and 2 story plans to chose from, with 3 bedrooms & 2 baths. Front yard landscaping with sprinkler included. Visit the model home at 810 Village Dr or call for a personalized showing!
1210 W 15th Street, Loveland - Immaculate ranch home. Me culously maintained home that is true to its era. New garage doors & openers in 2009, replaced driveway in 2005, roof in 2004. 1” solid cedar wood siding painted in 2008. Water heater in 2008. Vinyl windows, sprinkler system & AC.
10818 Cimarron Street #204, Firestone - Fully upgraded, wrap around covered porch + outside storage, hardwood floors, fireplace, breakfast bar, full 2nd bath w/ le floor, a ached gar w/storage access, AC, Master Suite & 5-pc bath, walk in closet, Flat screen TV included.
$153,000
$169,900
$175,000
$179,000
MLS#634552
MLS#624598
MLS#636507
MLS#631317
Call Diana Luthi 481-2692
Call Kelli Couch 310-8804
Call Jesse Laner 672-7212
Call John Simmons 481-1250
www.thegroupinc.com/1625
SUNDAY 1:00 - 3:00
SATURDAY 12:00 - 2:00
SUNDAY 11:00 - 1:00
SATURDAY 2:00 - 4:00
SATURDAY 1:00 - 3:00
353 Indiana Avenue, Berthoud - Brand new carpet & kitchen flooring! Warm wood finishes adorn this spacious home w/3 bdrms + add’l office space, 3 bths, oversized 2 car garage & detached shop/studio w/220 electric. Huge deck overlooks lg mature backyard. Hosted by: Bob Skillman 631-2257.
1742 Manchester Court, Loveland - Immaculate 4-level on corner lot w/ new carpet & le, vaulted ceilings, master bed w/ walk-in closet, new kitchen Formica on counters & island, le backsplash, oak floors in dining, family & ea ng area & gas fireplace 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.
2102 Farisita Drive, Loveland - All brick custom home. Over 2,000 SF on 1 level. New carpet thru-out. Solid wood 6 panel doors, Pella windows, Jenn-aire range, oversized garage, clean hot water heat. Spacious corner lot. Southern exposure w/ views of Rist Benson Lake. Hosted by: Mark Moran 631-2257.
4111 Marble Drive, Loveland - Immaculate pa o home in desirable Emerald Glen. Spacious dining & living rooms w/gas FP, master bdrm w/ 5-piece bath w/lgsoaking tub & walk-in closet. Grab bars at doors and showers to provide addi onal safety. Hosted by: Bob Skillman 631-2257.
$200,000
$210,000
$237,500
$241,500
$245,000
MLS#615783
MLS#632731
MLS#633686
MLS#634231
MLS#632869
Call Cindy Kurtz 962-6832
Call Mary Laing 690-7288
Call John Simmons 481-1250
Call Cindy Kurtz 962-6832
Call Cindy Kurtz 962-6832
NEW HOMES IN SE FORT COLLINS
SIMPLY IRRESISTIBLE
SATURDAY/SUNDAY 12:00 - 5:00
SUNDAY 1:00 - 3:00
1020 Burrowing Owl Drive, Ft. Collins - Choose from 1016 Janna Drive, Loveland - This home boasts of 4 ranch & 5 two-story floor plans. 1,625 to 2,535 an updated kitchen w/slab granite countertops & finished sf. Base prices from $259,000 to $320,000. upgraded appliances. Dining area opens to deck Generous list of included features in every home! overlooking a private back yard featuring a large lower deck. Master suite w/5-piece bath. Energy efficiency built into every home.
$299,000 MLS#621175
Call Dianne Breneman 222-8549
$309,500 MLS#633055
Call Tracy Wilson 567-0907
SUNDAY 2:00 - 4:00 1230 Inca Dove Circle, Berthoud - 2 beds + den & oversized garage give you all the space you need. With the maintenance free lifestyle you have earned there will be me to join in ac vi es at the clubhouse or enjoy the serenity of the views. No neighbors behind-just open space.
$310,000 MLS#622460
Call Kathy Boeding 231-9073
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!
$335,000
Priced From $324,000 MLS#607818
MLS#626295
Call Val Schlageter 217-3464
Call Ma Thompson 443-9910
BACKS TO OPEN SPACE
SUNDAY 1:00 - 3:00 402 Mariana Pointe Court, Loveland - 3 bedroom, 3 1/2 bath Pa o home in the gorgeous, quite Mariana Bu e. Country Club living without the Country Club fees. 12x13 lo in the upper level. Alder cabinets, Brazilian cherry hardwood, granite, huge deck for entertaining with mountain and water views. Hidden wine room. So many upgrades.
SATURDAY 11:00 - 1:00 3133 Blue Mountain Court, Loveland - Recent remodel. New slab granite kitchen counters & range/cooktop & dishwasher. Two er walk out porch on this gorgeous colonial style home. Two car a ached garage & an oversized detached garage/ workshop Trex deck w/built-in hot tub & retractable awnings. Hosted by: Mark Moran 218-1891.
Online version of publication at www.thegroupinc.com containing links to detail pages for most listings. rado rn Colo Northe Source
SATURDAY 2:00 - 4:00
SATURDAY 11:00 - 3:00
739 N Co Rd 23H, Loveland - Amazing close to town acreageNo HOA-No covs- 3 car garage + 48x36 shop w/ RV storage & workshop. Fabulous ranch style home w/an open floor plan. 4 beds + an office & bright, finished walkout basement. 14mnth Home Warranty.
4785 Ignacio Court, Loveland - Huge vaulted ceilings, handdistressed hardwood flooring, 8’ solid wood doors & custom blinds. Granite countertops, auto-lighted pantry, pasta pot filler, ss apps & alder cityscape cabinets. 2 flat screen TVs. 2 fireplaces.Whole-house surround system. 4 car heated garage.
$525,000
SATURDAY/SUNDAY 12:00 - 5:00 939 Snowy Plain Road, Fort Collins - 2-story offers approx 2,496 finished sq + a full unfinished bsmt. 3 beds + a lo , 3 car tandem garage, Upgrades galore including all appliances, front yard landscaping & rear yard fencing! Views of Pelican Marsh open space from backyard.
w w w.
$530,000
$485,000
$495,000
MLS#632555
MLS#634211
MLS#635745
MLS#630305
Call Denise Kloster 402-9100
Call Cindy Kurtz 962-6832
Call Kathy Boeding 231-9073
Call Tracy Wilson 567-0907
tate Real Es
33-316026
thegr
oupin
c.com
Saturday Reporter-Herald August 14, 2010 E3
H&RE Real Estate
New Frontier Bank of Greeley, where Bunnell and his partner got a construction loan for about $2.3 million, went under in April of 2009 leaving their loan in the hands of the FDIC. In meetings with the FDIC they were told to find more financing so they could get their loan back. “Basically we went to a dozen different banks, we knew what the response was going to be.” While some of the bankers were enthusiastic about the project, Bunnell said, they were turned down every time. “That's the problem. We're half way done. JENNIFER LEHMAN FDIC is saying go out and get good financSPECIAL SECTIONS REPORTER ing. Easier said than done,” he said. Bunnell and Smith moved on to private evin Bunnell and Rod Smith, of Dis- investors, looking for someone who would covery Homes, LLC in Greeley, are buy the loan from the FDIC, but negotiaseeking an investor for Park Place tions with the FDIC didn't bring down the Plaza, their project at Railroad and 1st in cost of the loan enough for investors hopLoveland. ing to get a return on the project, Bunnell The partially completed Park Place Plaza said. was designed to include 16 condominium “It took them a really long time and they units and 5,500 square feet of commercial came back at ridiculous amounts that space. Designs included eight two bedweren't going to work. They keep charging room, two-bath units, four of which are us interest on the loan, of course and in the handicap accessible, and eight three bedcourse of the last year the loan has gotten room, three-bath units. bigger because of the interest.” Bennell hoped to market it to current “The whole thing is, it's not our fault. It’s renters downtown who he believes would not our fault the bank went out of busiget a better deal by buying a condo unit at ness.” his property rather than continuing to rent After negotiations on the loan rate at their current rate. stalled and waiting two months to hear “These are the only new residential and back from them, the FDIC offered to bunnew commercial units available in the old dle their loan with several others and draw downtown area.” After talking with poten- the attention of larger investors, Bunnell tial commercial customers, they found “it said. Bunnell and Smith agreed and are was actually less expensive for (businesses) now waiting to find out which investor got to buy our units than to rehab old units the bundle with their loan in it, something they were looking at in downtown Lovethey expect to find out any day now. land,” he said. Meanwhile, with no project funds to conBut the property, and all original plans tinue construction, the partners are using and intentions, have been at a stand still personal funds to maintain the property infor more than a year. cluding keeping grass and weeds cut to city The project fell into a perfect storm when standards, removing trash people dump on the property and boarding up doorways to the completion of a two year City of Loveland Building Division approval process set keep trespassers away. back the estimated time line, putting the They also haven't been able to pay their project at about a halfway point when existing debtors from the project. “We've albanks nationwide began collapsing as a re- ways been really good about paying our sult of the mortgage crisis. subcontractors but our hands our tied.”
Downtown project seeks investors
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them or they can do it themselves. We can market it for them. We have a marketing plan already in mind, we just don't have the financial capability to do it anymore.” At this point, Bunnell and his partner want to get out from under the project and find and investor with financial means to finish it. They are interested in helping complete the project or the investors could find another contractor. “We spent four years of our lives in this project, just don't have the financial capability to continue so we just need to find somebody that does.” Bennell and his partner planned to sell the commerical and residential units because they are not in the business of property management, but they have received many calls from people interested in renting an apartment or office space there. “The condo units haven't been subdivided yet so if an investor wanted to, they could come in and create apartments instead and rent them out,” Bennell said. “There is probably well over a million dollars to be made by somebody. Unfortunately, it won't be us.”
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Bunnell said most of the contractors have been pretty understanding but do call to find out the status of things. Bunnell has had interest in the condos but his financial situation prevented him from moving forward. “We had three parties that were ready to buy the condos, but we didn't want to take the money because we don't know when we're going to get financing to get going again,” he said. Bunnell said he is weary that he does not know who the new FDIC lender is or how cooperative they will be and hopes to find another investor to buy it from them so he has more knowledge of who he is dealing with. “If there's investors out there, we're more than happy to talk to them about the project. We're trying to be a little proactive about it and have someone waiting in the wings if we can, to buy out the new lender when the time comes.” The team is looking for an investor who is willing to buy off the FDIC lender and pay off existing contractors who are owed from the project. “Basically, they will be new owners and we are happy to finish it for
US 287
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Photos Special to the RH
Owners of Park Place Plaza at Railroad and 1st are seeking investors to help complete the project.
$200,000 - $299,999
$300,000 - $399,999
OPEN HOUSE SATURDAY 11 - 2
OPEN SUNDAY 1-3PM
1119 E. 15th Street, Loveland
1935 Grays Peak Dr. #5-103, Loveland
4305 Grant
2054 Blue Duck, Loveland CO
513 Cape Dory Drive
Use Redwing to access this home due to construction on Maddison Ave. Nicely updated 3 Bedroom, 1 bath home with new carpet, paint, windows, and bath. Seller Motivated!!
$142,600 Priced Reduced $9K! Main Floor Ranch, 3BD, 2BA Condo. 1234 sq. ft & 1 car garage, private patio & separate courtyard, corner location faces large greenbelt, kitchen appliances, ready to occupy!
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
Covered front porch welcomes you to this well cared for 3 bdrm, 2 bath ranch, basement. Kitchen with walk-in pantry, upgraded appliances. Fenced spacious yard & more. Priced at only $ 215,950
Boedecker Lake Rights! Pristine 4BR home w/unobstructed views & convenient access to lake. Hickory cabinets, slab granite counters, crown molding, new carpet & deco paints. Unfinished bsmt. MLS#631711
Gayle Schink Prudential Rocky Mountain, REALTORS 970-215-4771 gschink@prurmr.com www.prudentialrmr.com
Sharianne Daily RE/MAX Alliance (970) 215-8844 Sharianne@shariannedaily.com
Ryan Andre Sears Real Estate 970-381-1081 / 330-7700 www.andrerealestate.com
Lucinda Matheson Premier Lifestyle Realty 970-290-9824 plrealty@qwestoffice.net
Barbara Giesey Coldwell Banker Residential Brokerage 970-222-4035 barbaragiesey@coloradohomes.com
$400,000 - $499,000 OPEN HOUSE SATURDAY 1-3
OPEN HOUSE SUNDAY, 8/15 FROM 12-3PM
$500,000 + OPEN HOUSE SAT. & SUN. 1-4 TRADES CONSIDERED
LAND FOR SALE OPEN HOUSE SATURDAY 11AM-1PM
OPEN - SATURDAY 11AM-2PM
33-314552
503 Eagle Crest Ct. - Loveland
500 1st St - Berthoud - $425,000
NEW CUSTOM RANCH - 288 RESERVOIR
9500 Prairie Way, Loveland
Warberg Farm at Chapman Reservoir
Beautiful 4000+ sq ft home on almost 1 acre lot. 2 story, 4 BR, 5 Baths. New carpet, paint, master BR, tile, stainless appliances, hardwood floors, 3 car garage. Outdoor kitchen area.
Vintage 2-story Victorian built in 1906! 4BD, 2BA, 3284sf plus 1115sf attic w/ high ceilings & turret for extra living space. House & old barn sit on 1.56 acres. Excellent commercial potential!
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.
Fantastic 1.80 ac property at Carter Lake. Mobile home on property could be used temporarily until home is built. Less than 1/2 mile to boat ramp and store. Owner financing available. $199,900 #619789
OPEN WED 11AM-1:30PM • FRIDAY 8AM1:30PM • EVERY SUN 12PM-2PM. 2+Acre Lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boat docks, fishing and peace garden.
Kim Schulz Prudential Rocky Mountain Realtors 970-481-1544 kschulz@prurmr.com
Marian Maggi 970-290-0908 marian@berthoudrealestate.com www.berthoudrealestate.com
Ursula Albers Century 21 Humpal, Inc. 970-231-0548 ursulaalbers@msn.com www.allcoloradohomes.com
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.allcoloradohomes.com
John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512
Saturday Reporter-Herald August 14, 2010 E4 next Tuesday. He called the listing agent, and she said she was pretty sure that the lender would pull it off the auction list as we have made a good offer. I’m wondering if it would it be better for me to go ahead and withdraw my offer and then bid again once the property goes up for auction? We’re cash buyers, so we don’t have to worry about financing the purchase. Thank you. Answer: I’m not sure you’d be better off waiting to purchase this property. You might wind up paying the same price, or more, or you might lose the property to another investor. The real question is will the lender accept your offer with the property about to go into foreclosure. It’s great that the seller accepted your offer, but the seller doesn’t get to make the final decision. If the lender has already decided to foreclose, and that process is in motion, the lender might have already decided not to accept your offer and move on. If you’re already rethinking the offer, and wondering if you made a good move, then maybe you’re not really ready to buy this property. But if you felt confident that the price you offered for the short sale was fair, you should move forward and see if the lender will accept it, and allow you to close on it quickly. One advantage of a foreclosure over a short sale is that you might get good title to the home through a foreclosure and have all expenses that are owed by the seller paid off at the settlement or closing of the property. With a short sale, you may be assuming payment of some items. Please research the method in which foreclosures work in your state and determine what risks you take when you buy a foreclosure over a short sale. Good luck.
GLINK From Page E1
OPEN HOUSE - AUGUST 21ST & 22ND OPEN 1-4 PM SATURDAY & SUNDAY NEXT WEEKEND
SHORT SALE OPPORTUNITY Awaken your senses and rejuvenate your soul amidst the lavish comforts of this elegantly rustic Colorado estate. Enveloped by acres of open space and strategically built on a ridgeline to capture panoramic views of rock outcroppings and lush mountain meadows, this distinctive property is sited at 4466 Howling Pines Way in Loveland’s northwest foothills. Its gently sloping, privately maintained gravel road is just 10 minutes from the major intersection of Wilson and Eisenhower (Hwy 34) in the heart of Loveland. Resting on 18.7 private acres overlooking the city to the east and snow-capped mountain peaks to the west, this 5-bedroom home boasts 4,800 square feet of carefully planned and impeccably finished living space. Its thoughtful floor plan artfully balances personal space with common areas making it as functional for everyday living as it is for flawless entertaining. $795,000 For more information about the estate’s features & driving directions please visit wwwRonMcCrimmon.com
For more information, call Glink’s radio show at 800-972-8255 on Sundays from 9 to 10 a.m., write to Real Estate Matters Syndicate, P.O. Box 366, Glencoe, IL 60022 or visit www.thinkglink.com.
Estate Matters 33-316102
c: 970.214.2763 e: Ron.McCrimmon@Sothebysrealty.com
33-316721
Ron McCrimmon
should also consider cutting other expenses out of your life to give yourself a greater cushion. While most people usually focus on their loan interest rate, they forget that real estate taxes seem to still be going up along with insurance expenses and other costs. If you are having trouble affording your payments, the new loan might help for a while, but you need to understand where you are spending your money to keep your expenses under control. Question: I have a home mortgage for about $110,000. I wasn’t aware of this, but apparently four liens have been filed against our home. The total amount of the liens is $19,000. I have a 401(k) with about $100,000 in it. I want to pay off these liens. Please suggest the best way for me to do this. Answer: Do you actually owe the money on these liens? How did they come to be attached to your property without your knowledge? What are the liens for? You should speak with a real estate attorney to find out why liens have been attached to the property, whether you owe this money and actually should pay them off, and how. If you don’t know a good real estate attorney, please contact your local bar association and ask for the head of the real estate committee. Ask that attorney to help you find an attorney who would be knowledgeable in the area of liens. Once you sit down with the right attorney, you’ll be able to figure out a way to make sure the money you owe is paid. If you do owe the money, you might want to consider the tax effects of a withdrawal from your 401(k). If you are under the age of 59 1/2, you will pay a penalty on the early withdrawal and the money you take out will also be taxed. In plain words, a withdrawal of $19,000 might cost you an additional $7,000, depending on several factors. There may be less expensive ways for you to pay what you owe. Please consider all of the options. Question: I decided to take a risk and make an offer on a short sale. The offer was accepted by the seller, and the agent called me today to say he just learned Real the property was set to be foreclosed on
saturday
sunday
PRICE
LOCATION
ADDRESS
HRS
OFFICE
PHONE
$149,900*
NW LOVELAND
43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE
12-5
THE COTTAGE REALTY 970-532-5900
$153,000
NW LOVELAND
4501 LUCERNE AVE
1-3
THE GROUP, INC.
970-481-2692
$169,900
JOHNSTOWNMILLIKEN
810 VILLAGE DR
1-3
THE GROUP, INC.
970-310-8804
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY 970-532-5900
$175,000
NW LOVELAND
1210 W. 15TH ST
1-3
THE GROUP, INC.
970-672-7212
$179,000
FIRESTONE
10818 CIMMARRON STREET #204
1-5
THE GROUP, INC.
970-481-1250
$190,565*
NW LOVELAND
3399 FOSTER PLACE
12-5
THE COTTAGE REALTY 970-532-5900
$210,000
NE LOVELAND
1742 MANCHESTER CT
12-2
THE GROUP, INC.
$227,900
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 532-5900
$241,500
NW LOVELAND
2102 FARISITA DR
2-4
THE GROUP, INC.
970-631-2257
$245,000
NW LOVELAND
4111 MARBLE DR
1-3
THE GROUP, INC.
970-631-2257
$279,685
NW LOVELAND
4475 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900
$299,000
FORT COLLINS
1020 BURROWING OWL DR
12-5
THE GROUP, INC.
970-222-8549
$324,000
SE LOVELAND
4635 TARRAGON DR
1-4
THE GROUP, INC.
970-217-3464
$335,000
FORT COLLINS
939 SNOWY PLAIN ROAD
12-5
THE GROUP, INC.
970-443-9910
SW LOVELAND
1/4 MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
$385,400
$399,750 $439,000
SW LOVELAND SE LOVELAND
975 PRISM CACTUS CIR 503 EAGLE CREST CT
970-690-7288
12-4
GLEN MARKETING TEAM, ERA
970-663-4522
12-4
GLEN MARKETING TEAM, ERA
970-663-4522
1-3
PRUDENTIAL ROCKY MTN
970-481-1544
PRICE
LOCATION
ADDRESS
HRS
OFFICE
PHONE
$142,600
NE LOVELAND
1935 GRAYS PEAK DR #5-103
1-3
RE/MAX ALLIANCE
970-215-8844
$143,000
NE LOVELAND
1119 E 15TH ST
1-3
PRUDENTIAL ROCKY MTN
970-215-4791
$149,900*
NW LOVELAND
43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE
12-5
THE COTTAGE REALTY 970-532-5900
$153,000
NW LOVELAND
4501 LUCERNE AVE
1-3
THE GROUP, INC.
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY 970-532-5900
$179,000
FIRESTONE
10818 CIMMARRON STREET #204
1-5
THE GROUP, INC.
$190,565*
NW LOVELAND
3399 FOSTER PLACE
12-5
THE COTTAGE REALTY 970-532-5900
$200,000
BERTHOUD
353 INDIANA AVE
1-3
THE GROUP, INC.
970-631-2257
$215,000
SW LOVELAND
2420 DERBY HILL DR
11-1
PREMIER LIFESTYLE
970-214-4173
$227,900
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900
$237,500
SW LOVELAND
1625 TIGER AVE
11-1
THE GROUP, INC.
$279,685
NW LOVELAND
4475 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900
$299,000
FORT COLLINS
1020 BURROWING OWL DR
12-5
THE GROUP, INC.
970-222-8549
$309,500
NE LOVELAND
1016 JANNA DR
1-3
THE GROUP, INC.
970-567-0907
$310,000
SE LOVELAND
1230 INCA DOVE DR
2-4
THE GROUP, INC.
970-231-9073
$324,000
SE LOVELAND
4635 TARRAGON DR
1-4
THE GROUP, INC.
970-217-3464
$335,000
FORT COLLINS
939 SNOWY PLAIN ROAD
12-5
THE GROUP, INC.
970-443-9910
$385,000
SW LOVELAND
513 CAPE DORY
1-3
COLDWELL BANKER
970-222-4035
$385,400
SW LOVELAND
1/4 MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
12-4
GLEN MARKETING TEAM, ERA
970-663-4522
$399,750
SW LOVELAND
975 PRISM CACTUS CIR
12-4
GLEN MARKETING TEAM, ERA
970-663-4522
970-672-7212
970-481-1250
970-481-1250
$495,000
SW LOVELAND
3133 BLUE MOUNTAIN CT
11-1
THE GROUP, INC.
970-218-1891
$525,000
SW LOVELAND
739 N CO RD 23H
2-4
THE GROUP, INC.
970-231-9073
$425,000
BERTHOUD
500 1ST ST
12-3
RE/MAX TOWN & COUNTRY
970-290-0908
$530,000
NW LOVELAND
4785 IGNACIO CT
11-3
THE GROUP, INC.
970-567-0907
$485,000
SW LOVELAND
402 MARIANA POINTE CT
1-3
THE GROUP, INC.
970-402-9100
$895,000
SW LOVELAND
288 RESERVOIR DR
1-4
PREMIER LIFESTYLE
970-481-5512
$895,000
SW LOVELAND
288 RESERVOIR DR
1-4
PREMIER LIFESTYLE
970-481-5512
To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050
For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifieds” section of this publication. This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.
WWW.HOMEANDREALTYGUIDE.COM •CLICK ON
OPEN HOUSE MAPS
Saturday Reporter-Herald August 14, 2010 E5
H&RE Featured Home Plan Regional forum discusses workforce Craftsman features adorn Ethridge housing issues NATIONAL ASSOCIATION OF REALTORS
T
he National Association of Realtors and the National Housing Conference partnered to host a regional forum in Austin, Texas, last week to discuss workforce housing issues and help create more affordable housing opportunities for public and private sector workers in the south central region. During the day-long Bring Workers Home forum, Realtors and local and state housing leaders examined the region’s workforce housing challenges, highlighted regional best practices to address those challenges, and shared and discussed strategies for how workforce housing programs can help more working families find affordable, decent housing near their workplace. For many low- to moderate-income workers like teachers, hospitality staff, retail clerks, office employees and emergency personnel, having a full-time job doesn’t guarantee their family a decent, affordable place to live. It’s especially difficult for those who live in high-cost areas and whose salaries have not kept pace with local home prices. Not having affordable housing in close proximity to jobs can lead to longer commutes, sprawl, and traffic congestion; this can degrade the quality of life for all residents. Increasingly, communities have come to recognize that affordable housing impacts the economic and social well-being of the entire community, and that creating more affordable housing options is essential. The forum attracted more than 100 attendees, including Realtor associations and their members, business leaders, housing and community development professionals, city council members and other elected and appointed officials, and human resource and employee benefit professionals from Colorado, Nevada, Oklahoma and Texas. The forum began with a morning panel discussion, where experts discussed the region’s growing “cost of place� — the combined costs of housing and transportation — and how workforce housing strategies can help communities address the issue. Two afternoon panels highlighted case studies of successful workforce housing programs and discussed strategies for advancing workforce housing through community partnerships. Realtors had the opportunity to participate in NAR’s Employer-Assisted Housing class to better understand employer-assisted housing benefits and to learn how to better work with local businesses and organizations to implement employee housing benefits. The nonprofit National Housing Conference is dedicated to helping ensure safe, decent and affordable housing for all Americans. To learn more about the NHC and its research affiliate, the Center for Housing Policy, please go to www.nhc.org.
porch, you step into a highceilinged foyer. A wide opening on the right leads into a living room with a dmiring glances are fireplace, shelving and a a given with the computer desk. The smallEtheridge. The er opening on the left home’s full spectrum of brings you into an alcove Craftsman detailing guarwith two doors. One opens antees it. a coat closet and the other Each of the numerous goes to a powder room. windows has CraftsmanLarge and naturally style multi-paned window bright, the family room is uppers, and a slender row at the heart of this home. of them caps each garage door. Shake-textured siding Decorative drop beams run fills the gable fronts, while front to back, drawing eyes to the stone-lined woodtapered columns support stove alcove at the rear, and highlight the front and the transom-crowned porch as well as the covered patio at the rear. King atrium doors that flank it. This spacious area then posts crown the porch enflows into the nook and tr y. kitchen. Built-in seating Entering via the vaulted ASSOCIATED DESIGNS
A
Loveland
669-1234
view more properties at: www.HomesInColorado.com
Call Today! C
PRICE REDUCED 35-314936
Rates near all time lows Rat
room with backyard access. The Etheridge’s vaulted owners’ suite is a secluded retreat. It boasts a fireplace, a luxurious bathroom, and two deep walk-in closets. Two more bedrooms and bathrooms are upstairs, along with a skylit bonus room and an atticstyle storage room. For more information, call (800) 634-0123, or visit www.Associated Designs.com.
750 7 50 W W. E Eisenhower isenh hower
Your Local Family Mortgage Company. Here yesterday, today and tomorrow. John “Nose� Mortgages!
lines the nook’s rectangular window bay. Cabinets and built-in appliances line the kitchen on three sides, while counters run along two. A raised conversation bar rims a work island with a prep sink, and a roomy walk-in pantry fills one corner. Laundry appliances are nearby, in a spacious, wellappointed utility room with links to both the garage and a pass-through mud-
De Shunn 222-7001
1680 TTabeguache b h M Mountain t i Dr., Loveland Mt. views from the covered patio, living, dining & master. Spacious open floor plan, 2 fireplaces, beautiful Wormy Maple cabinets, wood floors, E-glass, 9 ft. basement ceilings. Large corner lot, professionally landscaped, oversized 3 car (900 sq ft). MLS #634132 $375,000
Nanci Garnand 227-1327 622-1810 www.4568Mead.com • www.LivingInLoveland.com Green Built home with 2-car garage, wood floors in kitchen, dining area, and hallway. Master bedroom has private bath. Brick patio perfect for gas grill. Fenced backyard. $195,000
OPEN Sunday 2pm sharp
www.familymtgco.com w
A+ + Rating LMB100008942 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm
505 E. 4th St Loveland L 970.203.0284
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Nanci Garnand 227-1327 622-1810 www.604W33rd.com â&#x20AC;˘ www.LivingInLoveland.com 3 Bed, 1 Bath Ranch Style Home. Updated Bathroom, fresh paint, new applianes and laminate floors, hardwood in all 3 bedrooms, utility shed. Oversized Family Room. $165,000
OPEN Saturday 2pm sharp
Julie Stinson 622-1809
OPEN Sunday 1-3 1609 Melissa Dr., Loveland
Are you looking for a unique floor plan? This maybe it!! Updated multi-level on a large lot in SW Loveland. Immaculate! 4 bedrooms and 2.5 baths, hardwood floors, covered patio, garden shed and RV parking. MLS #621087. $212,000
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Julie Stinson 622-1809
Julie Stinson 622-1809
187 Cobalt, Loveland
2516 Estrella Ave., Loveland
Great Price! Super modern design, custom upgrades, energy efficient, two master suites, full unfinished basement, bamboo flooring, tank-less water heater, two balconies & European cabinets. MLS #628847. $193,900
Location! Location! Location! This property is located in the very desirable Park Hill Subdivision. Almost 3000 sq ft of finished area. 4 bedrooms, 3 baths, fireplace, wood stove, covered patio, master bedroom suite, spacious living room and two family rooms! Stop by and take a look!! MLS #630168. $250,000
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Julie Stinson 622-1809
2165 Westbourne Dr., Loveland Close to hospital, bike trail, Boyd Lake and shoppping. Ranch with vaulted ceilings, kitchen island, fireplace, central air, finished basement and a nicely landscaped yard. MLS #636465. $183,500
Custom Home!
Kendra Adams 388-0456
1693 Stove Prairie Cir., Loveland Wow Factor is here w/ 5 brms, 4 ba & 3 car. This home offers main floor master suite, kitchen with hearth, granite counter tops, formal dining rm, finished bsmt and more. MLS #634024. $349,900
33-3143
Saturday Reporter-Herald August 14, 2010 E6
H&RE Front Range Gardening
Cicadas bring summer concert of love Because no concert is superb without earsplitting volume, cicadas come equipped with their very own echo chambers made from a membrane covered, air filled pouch hen it comes to the music everyin their abdomens. Amplifying the thrumone’s talking about from Denver ming of tymbals, these pouches ensure the to the Wyoming line, the sumbuzz-saw love songs carry over long dismer’s hottest concert is creating quite a tances. buzz. Rich with chirps enhanced by reverb, Other cicadas take an acoustic approach. the songs of summer are in full concert. Putnam’s cicada (Platypedia putnami) Cicadas are out in force this year, singing croon by clicking their wings together, a chorus of shrill sound as the day turns to making a sound much like the tapping of dusk. Reminiscent of a Midwestern sumcoins (not that I’m advocating luring love mer, the trills and hums from tree and by offering money. That’s wrong and illegal shrub are thrilling, if you’re a fan of insect in many states). romance. Though 26 species call Colorado Sing along with the Putnam’s song by home, two are headlining the stage in our taking a pair of dimes into the evening, area right now, calling out for ladies and clicking in time to their beat. Softly allurlove. ing, the call wins ladies’ hearts, so if a few Dog Day cicada (Tibicen spp.) males are enthusiastic females follow you about, atwell known rock stars advertising their ap- tempting to cling to your clothes with their peal. Resting on branches, occasionally tiny claws, treat them gently. The females sucking sap from twigs, the males sing by aren’t so easily fooled that larger coins imvibrating drum-like organs, called tymbals. press them; dimes are the right size for CAROL O'MEARA CSU EXTENSION
W
mimicking this insect. The females pass judgment on males by the quality of their song; if one bug has a tune that’s just right, other males sing in synchrony with it. Dancing in place, the males rarely move their feet; instead they bop along to the tune with their abdomens. Buzzing in concert with each other, cicada song can be loud, occasionally rising to shrieking pitch before quieting down. The female is left to find the one that’s right for her. Once she does, love blooms, after which the females lay their eggs in twigs and small branches of trees. The young that come from this union — pale and hunch-backed, with stout forelegs for digging (in short, every parent’s dream) — drop to the ground upon hatching. Burrowing into the soil, they spend two to five years underground, feeding on roots of various trees and shrubs. Grown up and ready for adulthood, the nymphs emerge from their underground
Pinch off flower growth toward end of August SUSAN PERRY CSU EXTENSION
N
ow is the time to enjoy your tomato harvest. To enable stillgreen tomatoes to fully ripen before cold weather, gently pinch off all new flower growth. This will allow the plant to expend its energy on ripening any already-formed tomatoes. Unless you want to harvest green tomatoes, toward the end of August, begin pinching the smallest green tomatoes off — they will not have time to fully form and ripen. Removing them will allow remaining midsized tomatoes to fully ripen. • If you want a fall vegetable crop,
there’s still time to plant. Kale, turnip greens, and beets should be planted by early August. Lettuce, spinach, and Swiss chard can be planted until mid-August. Radishes can be planted until Labor Day. • Make a list of overgrown or poorly-performing perennials to consider dividing. Often, division helps reinvigorate the plant. Daylilies, iris, shasta daisies, and oriental poppies will all benefit from division. For perennials that bloom in spring and early summer, fall division and transplanting is best because it gives them time to form new roots before cold weather. Transplant oriental poppies after leaves have dried out and died back,
and new growth is visible. For perennials that bloom in the heat of summer or in fall, divide and transplant in early spring. Many ornamental grasses benefit from division every few years but should always be divided and transplanted in spring. • Deadhead perennials now to encourage re-flowering. Perennials that benefit from deadheading include coreopsis, Jupiter’s beard, hollyhock, catmint, and campanula. Susan Perry has received training through CSU Extension's Master Gardener program and is a Master Gardener volunteer for Larimer County. For more information about CSU Extension, Larimer County, call 970-4986000 or visit www.larimer.org/ext.
lair. Crawling up a nearby plant, they molt, splitting the nymphal skin down their back and pulling free. They spend the next four to six weeks singing their own music of love. Cicadas are often confused with locusts, but have a squat body with wide-set eyes and large, clear wings. But though they’re big and noisy — up to two-inches long — they don’t cause much damage to plants in the landscape. You’ll find them gathered on trunks and tree branches late in summer. 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
Gardening tips from CSU: shop summer sales ANNE WUERSLIN CSU EXTENSION
C
onsider shopping end-of-summer sales at nurseries and greenhouses for healthy perennials and woody plants. If planted by mid-September, these plants will establish a root system and be advanced come spring. Be sure to water in winter. Take clippings of geraniums, coleus, begonias and other tender annuals that can be grown indoors as houseplants. Use rooting hormone on the cuttings and plant in a soilless potting mix that includes vermiculite. Wait until plants develop two healthy sets of new leaves before transplanting. As pumpkin, squash and gourd vines mature, pinch off emerging blossoms and cut back on watering. This will put more energy into set fruit. Anne Wuerslin has received training through Colorado State University Extension's Master Gardener program and is a Master Gardener volunteer for Larimer County.
To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place your ad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com
Apartments/ Garages/Storage Houses Unfurnished 4030 Spaces 4070 Large 1, 2 & 3 Bdrm. Apts. Central Air, Pool, great location! Pre-Lease Now! (970)667-1644 PROF´L WANTEDExtremely nice 800 SF1 bdrm, new carpet, air & W/D. $650/incl utils. No pets/smk. 663-0220 lv msg
3 BDRM, 2.5 BA, 2 car, backs to open space, N/P, WANTED: Storage Space N/S, $1180. (303)834-9940 Want clean storage space i n L o v e l a n d f o r t w o 3 bdrm, 2902 Katie, $1050/ vehicles and two trailers. mo, new carpet, fncd yd, rmpm.com. 970-669-0842 30X50 steel barn would be ideal. 970-222-7043
Houses
4080
Apartments/ Commercial Furnished 4010 Industrial 4040 ALL BILLS PAID!!! 1 BDRM/studio, Downtown Loveland. $500-$550/mo. Call 970-391-0834
1147 SF Shop + Loft, OHD, 3/4 bath + office. $795/mo. 136-1/2 South Lincoln. 970-663-3493, weekdays before 5pm. 970-663-3228
Apartments/ Unfurnished 4030
2000 Sq Ft Beauty Shop/ Retail on 4th St. Off street prkg. Call 970-593-2401
1 rm, Studio+ Vintage apts 6000 SF Retail/Warehouse 0 utils! On-site mgmt. W/D, on Hwy 287. Overhead door. DirTV $333-590 970-219-8162 970-593-2401 or 970-227-7447.
1 BDRM, $550/mo. Clean, quiet, friendly complex, No pets. Walk-in closet, storage. HT & WTR PD. 970-667-8370.
Approx 700 SF 2nd floor storage/office, NW corner of Bunyan & 1st, Berthoud, $575/mo + dep 970-532-2652
Approx 800 SF 1st floor commercial/office space, Mt Avenue, Berthoud, 1 Bdrm, 713 Garfield $440/ $700/mo + dep 970-532-2652 mo, Wall AC, main level Call rmpm.com 669-0842 Best location in Berthoud, 350 SF commercial/office 1 BDRM, lg, in Lovelandspace, 345 Mt Avenue, Special 1st mo - $350. $645 $500/mo + dep 970-532-2652 +dep. Heat, wtr, trash pd. 970-214-2057 or 970-266-0206 2 BDRM Mobile home, $550, rent includes utils. Estate Builder 970-667-3400 2 BDRM, 1.5 bath. Large unit! $700/mo. + utilities. Avail immed. 970-4816418 2 BDRM, 1 BATHBig & Bright! $665 ALL utilities included! Ground level, end unit, coin-op laundry. Call (970)669-1375
2 BDRM, $625 + elec, free heat & basic cable, clean, pool, No pets. A/C, coin-op, pantry. 970-663-6787 or 970-430-0859
Condos/ Townhouses 4050 3 BDRM, 2 Ba Beautiful Townhome - Centerra! Amazing views, W/D, A/C, garage, trails! $1250 drakemanor.com (970)493-4052
Duplexes
4060
2 Bdrm, 1315 East 21ST, $825/mo, 1 car, pets nego Call rmpm.com 669-0842 3 BDRM, 1303 Nickel, $675. Finished bsmt, patio. Call rmpm.com 669-0842
3 BD or 2 BD- Free rent! Pets nego. Quiet & spac. $625-$695. 970-223-1349 2 Bdrm, 1 ba, large living, bsmt level, lndry on site. 1717 Cheyenne #19, $595 Faith Property 970-377-1626 2 bdrm, 1 ba, 2 story, gar, 1401 E 16th St #1 $725 Faith Property 970-377-1626
1015 3RD ST- BERTHOUD 3 bdrm, 1 car gar, fncd yd. $795/water pd. 720-296-1337
4080 Mobile Homes/ Loveland Spaces 4090
EQUAL HOUSING OPPORTUNITY All real estate advertised in this paper is subject to the federal and state Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation, or discrimination.” The newspaper will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis. 2 Bdrm, 2128 Taft, $995/mo Classic! New carpet. Call rmpm.com 669-0842
NEW 4 BD Double wides Easy approval ● Harmony Rd MHC 2500 E. Harmony Road Ft. C 80528. 970-420-8488 NEW HOMES REDUCED! Don´t miss out on this 3 Bdrm, 4307 Filbert, $1295 SAVINGS EVENT! Easy Sunroom & pets nego. approval, quick closings & Call rmpm.com 669-0842 affordable payments. Tax ID´s welcome. Limited availability ACT NOW!! 4 BDRM + office, 2 ba, Call 970-420-8488 *wac 1 car, 2000+ SF. Remod lrg master ba w/jetted tub, lrg corner fenced lot. $1275/mo + dep. Lvld. No smoking. (970)213-6498 Office Suite, 850 sq. ft., first 3 months free, $7 sq. ft. + NNN, 970-290-9040. CHARMING MOUNTAIN CABIN 1 bedroom, fully furnished (includes kitchenware), knotty pine decor, Direct TV, queen bed, double Fully Furnished Hair Salon futon couch, new appli- & office spaces, utilities included. 970-744-8763 ances. Located in rustic beautiful Big Elk Meadows, 5 miles off Hwy.36 halfway between Estes and Lyons. Amenities include pool, hiking in Roosevelt Forest, fishing in 7 lakes and ponds, softball and basketball courts--all in a scenic rustic friendly mountain community. $825/month. Call 303-772-6267 evenings.
Office Space 4100
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
3 BDRM Ranch, fncd bkyd, 3 Bdrm, 2354 SW 10th, $625/ 1 ba, frpl, 2 car, N/S, N/P mo. Garden level. credit chk req. Avail 9/1. Call rmpm.com 669-0842 $995/mo + dep. 2252 Austin Ct, Lvld. (970)472-4155
A picture is worth a thousand words Try a classified picture ad! Call for details
OWN your own home for what you pay in Rent! Lowest rates, $0 - $1000 Down Free Prequalification. Western Plains Realty Ken or Tammy 970-663-5008
To ensure you receive the best response to your advertisement, please check your ad the first day of publication. We regret we cannot be responsible for more than one day´s incorrect insertion. Billing inquiries can be initiated within 30 days of ad expiration.
Mobile Homes/ Spaces 4090 ✭ 3 BDRM, 2 BATH ✭ Remodeled home. West Hwy 34. $700/mo. Pets nego. 970-685-8573
Lots & Tracts
5100
DOWN PAYMENT ASSISTANCE AVAILABLE * 4 bdrm ~ 2 ba ~ 2 story with Bsmnt $198,000 * 2 bdrm ~ 1 ba ~ Ranch Old Town $165,000 Qualify Quick and Easy Ken or Tammy 970-663-5008 Western Plains Realty
Mobile/ Manufactured Homes/ Spaces 5130 ✭ MOBILE HOMES ✭ BUYING/SELLING 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 ✭ MOBILE home in Loveland in over 55 park, desirable area, lot rent $315. Exc cond, carport, patio, central AC & heat. 337-302-9192
2 ACRE LOT, Berthoud ´03 Mobile home, 16x80, area, $40K price reduction, 3 bd, 2 ba, Berthoud, A/C $125,000. Call Steve Conder applc & shed incl. Exc for details, 303-514-3706. cond. $30,000 ✭ 303-772-4324
Loveland
5110 Real Estate BANK OWNED- 3 bdrm, Wanted 5170 3 bath, 2-story, 1/2 duplex, main floor master, A/C, frplc. $227,900. Re/Max Alliance, Wanda Quaid, 970-481-3033
OWNER FINANCING Olde Golf Course Home $500,000 4000 SF, clean & bright, 5 bdrm/4 bath/3 car, lovely, quiet neighborhood. Reasonable financing terms. 970-215-1776. Betsy Burns/ Coldwell Banker
Deal with pesky aphids by using oils
970-635-3650
Retail Space 4135
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3 BDRM, 222 SW 42nd, $870/mo, new carpet/paint. Call rmpm.com 669-0842
✭ 2 BEDROOM Home ✭ $575+dep. West Hwy 34. 970-685-8573
3 BDRM, 4201 Rocky Ford, $1175/mo, Unfin bsmt, A/C Call rmpm.com 669-0842
3 bd, 1.5 ba, lg fncd yd, 2 Ranch House Loveland car $1095+dep 2330 W 22nd 3 BDRM, 2 ba, A/C, W/D, St LVLD N/P 303-549-5715 gar, pets ok Denver/1st 3 bdrm, 1221 BARRETTA- $725+util 970-556-7284 $1095/mo, pets neg, 2 car Call rmpm.com 669-0842 2 bdrm, 129A S Monroe, Lvld; Pet neg, no gar, sm yd $700/$700 303-659-7471
5110
Mature responsible male looking to rent w/ option to buy 2 or 3 bdrm single family home. Willing to do repair/improve/maint. 970-692-1792
Rural
5180
~ HORSE PROPERTY ~ 5 bdrm, 4 ba ~ 5000 sq ft on 1.5 acre ~ Johnstown. $275K SS Western Plains Realty Ken or Tammy (970)663-5008
TRUDI MANUEL CSU EXTENSION
Q
uestion: My honeysuckle is covered in aphids. Could I use a horticultural oil to control these insects? Answer: Oils affect insects differently, but their main advantage is coating the body of the insect, which results in suffocation since insects “breathe” through their body. Horticultural oils are refined petroleum products and can be found under names such as Sunspray, Scalecide, Trilogy and Volck, among others. Using summer oil treatments on foliage to control aphids, whiteflies and mites is an acceptable practice. Spider mites and young stages of scale can be also be controlled by applying oils during growing season. During the dormant season, horticultural oils can be used to control aphids that cause leaf curl. Oils can also be useful against powdery mildew. A big benefit of using oils is that they have few risks for people and beneficial insects, however, always read the label carefully and only apply as directed. For more information, visit www.ext.colostate.edu and read CSU Extension Fact Sheet #5.569, “Insect Control: Horticultural Oils.” Trudi Manuel has received training through Colorado State University Extension's Master Gardener program and is a Master Gardener volunteer for Larimer County. For more information about CSU Extension, Larimer County, call 970-498-6000 or visit www.larimer.org/ext.