Saturday Reporter-Herald October 9, 2010 E1
Real Estate Matters
www.homeandrealtyguide.com • Saturday, October 9, 2010 • Reporter-Herald
Divorce: Swapping house for refinance ILYCE GLINK TRIBUNE MEDIA SERVICES
Q
uestion: I am currently going through what I hope will be an amicable divorce. I’ve offered to let my wife have the house, along with the furniture, in return for her refinancing the mortgage. She is supposed to take my name off the note and give me $20,000 in cash to start over. That is if she wants to remain in the house that we actually purchased from her parents in 1998. We paid $210,000 for the house and had a first mortgage of $125,000, held by her parents, and a second mortgage for $75,000 that her father said he did not plan on executing. Anyway, we owe about $67,000 on the first loan and the second loan has long since been past due and he has not requested that payment. Can my wife refinance and take out $20,000? Her income is about $45,000 per year and mine is $85,000. The interest rate on the loan is 7 percent, and there are about eight years left on the loan. We have $20,000 worth of furniture that would remain with the property. I plan to split my 401(k) and profit sharing plan equitably, as we should be negotiating that through the attorneys soon. I have about $360,000 between the two and my wife has $40,000 in hers. With her receiving the house, I am looking to negotiate a total of $100,000 for her from my retirement plans. We are not really speaking at this point and have been pretty much separated living in the same house for well over a year. Does this seem like a fair distribution of assets? Answer: If I understand your question, you put down about $10,000 to buy the home in 1998. Your in-laws financed $200,000 of the $210,000 purchase price. You did not indicate what the home is now worth, but there is a loan balance on the first mortgage of about $67,000 and you probably never paid anything on the second mortgage. So, there is about $142,000 owed on the property. Whether your wife can refinance will very much depend on your inlaws, your wife’s credit history and credit score, and your wife’s other debts and household expenses. If your wife only has the balance of the first mortgage to refinance, she should be able to refinance as long as the taxes, insurance and association fees (if any) aren’t too high. But to refinance in today’s climate, the home must appraise well above the value of the first mortgage, your in-laws must be willing to release the liens on the home for both the first and second mortgage, and your wife’s income must be stable. Having said all that, the real issues for you will be whether you will get I See GLINK/Page E4
Q&A
with incoming LBAR president
Billie Jo Downing • As told to Jade Cody, special sections editor
Downing discusses challenges in today’s Northern Colorado market
B
illie Jo Downing, the incoming president of the Loveland/Berthoud Association of Realtors, agreed to answer some questions about the current Loveland/Berthoud real estate market and how she sees it changing in the next few years. Downing has 16 years experience as a Realtor, the last five of which spent as a Broker Associate with RE/MAX Action Brokers at Centerra.
market. What is happening in Detroit, isn’t happening here. An area of continuing concern when thinking locally is assisting and educating struggling homeowners who may be facing the possibility of foreclosure. We aren’t struggling from lack of effort in reaching out to those in need, it really is a matter of those in need raising their hand saying we need your help.
have some of the bank’s “shadow inventor y” come to the market as well as more struggling homeowners needing to sell to avoid foreclosure.
RH: How are Realtors dealing with the challenging market in Northern Colorado? BJD: In a challenging market, no matter RH: What properties are sellwhat the business ing in today's Loveland/ model, one always Berthoud market? Which ones looks at tightaren’t? BJD: Properties priced at fair ening the belt market value or below are what and thinking buyer’s are attracted to. Buyers, outside the box today, are very savvy, and they do to generate businot want to pay too much mon- ness. Realtors are RH: How do you envision the no different. In fact Realtors are ey for a home. Price, location Loveland/Berthoud market in and condition are still the three used to having to adjust stratethe next five years? BJD: The key to our market is factors in determining if a home gies based on a very cyclical really going to be determined by will sale. Sellers who wish to sell business. Our (LBAR’s) Realtors are getting educated in helping the ability to maintain jobs and and buy may need to look at homeowners in distressed situataking less on the sale of the create new jobs. Fortunately, home and gain on the purchase. tions, retooling their negotiaNorthern Colorado has a lot to tions skills and innovative maroffer, and our ability to stabilize RH: Month's supply of residen- keting strategies. They are cutand grow our economy will be tial real estate is steadily deting costs and looking at more easier than most parts of the creasing throughout Northern effective/efficient ways to concountr y. Colorado. How will this impact duct business. For at least the next few years, our market? I believe our market to be relaRH: How has the real estate BJD: It is difficult to detertively flat or slightly increase in industry changed, both for buymine what our supply of homes equity. ers and sellers, since you took will do. Right now the supply is RH: What does our market do being affected by many factors, office nine years ago? BJD: I don’t think any of us, well? What do we struggle with? i.e. the amount of homes purwhether buyers, sellers or RealBJD: When comparing our chased during the home buyer tors, could predict what has hapmarket to the rest of the countax credit, the various forms of pened over the past few years. try, how fortunate we are. We moratoria on foreclosures, the There are certainly some dark continue to attract more jobs, continuation of banks working spots that we wish we had the people to the area based on our with homeowners on loan modianswers for, and there are also quality of life. There is a saying fication. Sellers are sitting tight some glittering beams of light “Think Globally, Act Locally.” I unless they have to move. Howat the end of the tunnel. think that can be said about our ever, I believe that we will soon The government is more involved in real estate today than “The good deals are plentiful, all that is required they ever were nine years ago. While some help was needed is the ability to get a loan and some patience.” and there were certainly a widening support for the government to bring the banks to heel, in some cases the knee jerk reaction was too strong. It used to be Realtors had a good sense for market trends. The data could be studied and reasonable determinations could be made — for example, when the hottest selling season would be. Now it is difficult to determine from month to month whether it is a good time to sell or buy. For sellers, nine years ago was challenging because the American public was focused on the terrorism issue. Today, that same seller is focused on maintaining an income/job hoping that if they have to move they are not too upside down in their ThinkStock photo property. If they have experiDespite being in a “cold” real estate market nationally, Northern enced a hardship in some manColorado has a lot to offer, and could stabilize more quickly than ner, the average homeowner is fighting to stay in their home, other areas in the country.
exhausting every resource to hold onto what they have. Then if forced to sell, they are hoping that the consequences of selling are not too long lasting. The buyers, however, have a bit of a different outlook. There really has been no better time to buy. We are experiencing all time record low interest rates. The good deals are plentiful, all that is required is the ability to get a loan and some patience. RH: Why is it so important to use a Realtor? BJD: All real estate licensees are not the same. Only real estate licensees who are members of the National Association of Realtors are properly called Realtors. They proudly display the Realtor logo on the business card or other marketing and sales literature. Realtors are committed to treat all parties to a transaction honestly. Realtors subscribe to a strict code of ethics and are expected to maintain a higher level of knowledge of the process of buying and selling real estate. An independent survey reports that 84 percent of home buyers would use the same Realtor again. Real estate transactions involve one of the biggest financial investments most people experience in their lifetime. Transactions today usually exceed $100,000. If you had a $100,000 income tax problem, would you attempt to deal with it without the help of a CPA? If you had a $100,000 legal question, would you deal with it without the help of an attorney? Considering the small upside cost and the large downside risk, it would be foolish to consider a deal in real estate without the professional assistance of a Realtor. Downing can be reached at billiejo@billiejodowning.com.
Inside this week’s Home & Real Estate
Real Estate Transactions Listings from Front Range properties recently sold
Page E2
Foreclosures likely to remain constant Next five years will hold steady
Page E3
Realtor of the Week Kathy Beadell, Realtor with RE/MAX Alliance
Director y
Page E4
Page E5
Saturday Reporter-Herald October 9, 2010 E2
H&RE Northern Colorado Market Update Mortgage rate update This week Last week Trend
30-year fixed
4.21%
4.47%
15-year fixed
3.71%
3.84%
5/1 ARM
3.19%
3.40%
Regional Snapshot for Loveland/Berthoud Residential
Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald. EDITORIAL INFORMATION 635-3656
July 2010
August 2010
Active Listings Previous Year Active Listings
1101 1095
1092 1086
1054 1074
Sold Listings
169
111
102
$234,000 $207,500
$238,000 $208,000
$192,000 $222,500
Average Days on the Market Previous Year ADOM
132 121
130 122
113 121
Year to Date Listings Sold Previous Year YTD Listing Sold
728 579
839 760
941 887
Monthly Volume Previous Year Monthly Volume
$47,395,158 $34,313,560
$32,486,983 $44,166,425
$25,128,272 $32,956,535
Median Sales Price Previous Year Median
DISPLAY ADVERTISING 669-5050
For home and real estate advice, features and information, visit www.homeandrealtyguide.com
June 2010
CLASSIFIED ADVERTISING 635-3650
H&RE Real Estate Transactions • Terry Edwards from Motley Neil A & Jill A, 2527 Dotsero Ct, Loveland, $243,000, home • Winfrey Trust from Savickas Raymond D, 3410 Sheridan Ave, Loveland, $155,000, home • Ute Conly from Stafford Tony, 810 Madrone Dr, Loveland, $165,000, home • Eric & Melissa Holmlund from Ulmer Douglas C & Martha J, 5801 Norwood Ave, Loveland, $589,000, home • Jeffrey & Hitomi Backus from Zimbelman Darell Dean & Suzanne S, 1608 Manzanita Ct, Loveland, $402,000, home • Carole Varble from Barkey David W & Marguerite F, 277 Sand Grouse Dr, Loveland, $220,000, home • Alvin Blandin from Bendixen Craig & Angela, 4169 Cripple Creek Dr, Loveland, $181,000, home • Michael & Tamara Houghton from Geraldine E Dunlap Trust 2005, 5200 Monroe Ave, Loveland, $385,000, home • Kark & Cynthia Schaeffer from Keener Randal M & Randall M, 477 Denver Ave Unit D, Loveland, $153,000, condo
• Arnfinn Austefjord from Klawiter Kelley, 1220 Langston Ln, Loveland, $350,000, home • Catherine Hill from Lakes Point Construction Ii Ll, 3563 Loveland Ave, Loveland, $269,300, home • Dale Husser from Lindner Jeremy M, 6231 Sea Gull Cir, Loveland, $250,000, home
Estes Park • Troy & Bobbi Hawk from Ring Shane M & Paulette T, 825 W Wonderview Ave, Estes Park, $302,500, home • Tj LLC from Hall Charles B & Christine, 160 W Elkhorn Ave, Estes Park, $812,000, home • Jason Gangi from Niemi David J & Heather Rabel, 227 Pinyon Trl, Estes Park, $392,000, home • Laura Marx from Stanley Avenue Condominiums Ll, 450 Stanley Ave Unit Q A, Estes Park, $176,900, condo
Johnstown • Amy Martinson from Lpp Mtg Ltd, 419 River Rock Dr, Johnstown, $169,000, home • Ronald & Leslie Myatt from Oakwood Homes
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• James & Nicole Martin from Gawthrop Roy E & Billie, 914 22nd St Sw, Loveland, $152,000, home • James & Judith Day from Hermine Clinton L Loveland Culley Trust, 1208 E 27th • Terry & Norma St, Loveland, $228,500, Leach from Bunnell home Marly J, 445 W 47th St, • Julie & Richard HardLoveland, $174,900, en from Oriley Kevin C & home • Gilbert & Darla Barela Kathleen K, 2673 Amber Dr, Loveland, $299,900, from Crain Dale F, 103 home Cardinal Ave, Loveland, • Craig Weinland from $158,000, home Peck Russ E, 3681 Butter• 701 LLC from Dykes nut Dr, Loveland, Neil, 701 S Tyler Ave, $240,000, home Loveland, $1,635,000, • Brenda Kasper from home Souza Catherine E, 826 • Joel Berry from GerLibra Ct, Loveland, ald Hornbaker Living $196,000, home Trust, 1210 W 15th St, • Ronald Baldrldge Loveland, $163,000, from Bank New York Melhome • Smore LLC from Bar- lon, 3918 Hammans Ct, Loveland, $271,000, low Inc, 524 W 66th St, home Loveland, $128,000, • Kelly & Colleen Obrihome ant from Dewey Living • Donald Moore from Trust, 2114 Garo Ct, Beneficial Mortgage Co Loveland, $185,000, Colo, 2252 Anelda Ct, home Loveland, $160,000, home • Keith & Katherine Sapp from Holas John• Hannelore Sharmer michael D & Machalla A, from Bessey Galen L & 1761 Monarch Cir, Brenda K, 4173 Lookout Loveland, $319,900, Dr, Loveland, $185,000, home home • Carol Scott from • Ehud & Dina Benhur from Burgert Stephen L & Johnston Rhett A & PatriAlene T, 3209 Huckleber- cia J, 5210 Coral Burst Cir, Loveland, $255,000, ry Way, Loveland, home $735,000, home • Tommy & Diana • Joel Smith from Tucker from Kern Diane Clark David J & Paula F, C, 580 Saddle Notch Rd, 2940 Ginnala Dr, Loveland, $356,000, Loveland, $1,140,000, home home
US 287
Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.
Saturday Reporter-Herald October 9, 2010 E3
H&RE Real Estate
Beyond foreclosure numbers JENNIFER LEHMAN SPECIAL SECTIONS REPORTER
A
ccording to an August report from the Department of Local Affairs’ Division of Housing, Colorado foreclosure filings have dropped month after month compared to the foreclosures for the same months in 2009. While reported foreclosures are down, a lot is happening behind those numbers. “Because (the foreclosure numbers) are less this year, this does not mean there are less than last year, they will just be dragged out longer,� said Eric Holsapple, Ph.D., and cofounder of Loveland Commercial. In 2006 when the Colorado Foreclosure Hotline was created, the typical timeline to complete the foreclosure process was 6-12 months, said Stephanie Riggi, the manager of the Colorado Foreclosure Hotline that is administered by Brothers Redevelopment, a non-profit HUD-approved housing counseling agency. In the last 6-to-12 months, that timeline has been extended to 12-18 months, she said. There hasn’t been a clear picture of the foreclosure situation at any time during the crisis except at the beginning, said Sriram Villupuram, Phd., Assistant Professor of Finance and Real Estate at CSU. “The moment the agencies started putting pressure on banks or exerting some types of influence, the numbers started to underestimate the problem,� Villupuram said. The dragging out of foreclosures is actually helping the market to stabilize, Holsapple said. “I think its better for our market, rather than having so many foreclosures happening to the market at once,� he said, because it will not negatively impact housing prices as dramatically if there were a continu-
41-32 REALTORÂŽ
ing flood of foreclosed homes on the market in the next two years. The number of foreclosures is so high that foreclosed homes are determining market value of homes and any new home construction has to compete with the price of foreclosed homes, Villupuram said. “Fewer sales in the next year or two and we’ll actually be stabilizing the market,� Holsapple said. “The point is, we shouldn’t get into thinking that foreclosures are no longer a problem, they are,� he said, “The way that we are dealing with them is just over a longer period of time.� “What I’m hearing is the larger banks have so much pressure not to foreclose,� said Holsapple, who participated in a national hotline on the subject for a national housing group. Homeowners have defaulted on their mortgage and may be 90-180 days behind, yet no one is foreclosing those homes and they are not showing up in current foreclosure statistics. This is partly the result of the time and energy it takes on the part of mortgage lenders and financial servicers to deal with paperwork from homeowners who have defaulted and are trying to prevent foreclosure, Riggi said. Riggi said one company she’s aware of originally had 6,000 employees in their mitigation loss department, and that number grew to 16,000 so all of the paperwork could be handled. Riggi said programs aimed at preventing foreclosure such as Making Home Affordable (MHA), Home Affordable Modification Program (HAMP), and HUD’s new Emergency Homeowner Loan Program require mortgage lenders and financial servicers to deal with additional paperwork as well as take the time to make sure they understand how the pro-
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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.
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Saturday Reporter-Herald October 9, 2010 E4
H&RE Realtor of the Week
Property of the Week
Meet
www.3356Nederland.com
Kathy Beadell RE/MAX ALLIANCE Location: 750 W. Eisenhower Blvd., Loveland Contact: Call 970-290-1798, e-mail beadell @rmfa.com or visit www.homesincolorado.com.
Open house Saturday at 2:00 p.m. sharp
Designations, affiliations & accolades: RE/MAX Alliance Lifetime Achievement Award, Hall of Fame Award, 1989 LBAR Rookie of the Year, CRS, GRI, BA in French and Spanish. Years of experience: 22
A
s a Realtor in the Loveland area, Kathy Beadell takes pride in guiding families through the process of buying or selling a home. Beadell moved to Loveland in 1988 with her husband, Ron, and began her real estate career in a challenging market. However, she won Rookie of the Year awards for Moore and Co. in 1988 and the Loveland/Berthoud Board of Realtors in 1989. Working with buyers, sellers, investors, and first-time buyers, Beadell enjoys implementing her excellent skills in negotiating, and provides professional assurance to her clients from the beginning to after the closing. Beadell joined RE/MAX International in 1994, then RE/MAX Alliance in 1996, and she believes that was the best thing for her career and her clients. RE/MAX Alliance boasts cutting-edge technology, experienced agents and worldwide exposure. In the 1990s, Beadell developed her business in new construction and land development. More recently, the resale market has been her focus. Beadell prides herself in her amount of repeat business over the past 22 years of selling real estate in Northern Colorado. Beadell’s current endeavor is a small new construction project located at SW 9th St. and Wilson, called Meadowbrook Farms, with prices starting at $215,000.
$525,000
3356 Nederland Dr., Loveland
This lovely 4,242 square-foot all-brick ranch home with a walk-out basement is located at the Loveland Olde Golf Course. Enjoy the golf course views from the living room. The home features a screened-in porch, deck, eat-in kitchen, master bedroom, and family room downstairs.
Call Nanci Garnand, Realtor with RE/MAX Alliance, at 970-227-1327 or 970-622-1810, or visit www.LivingInLoveland.com. Nanci Garnand
Question: As a first-time home buyer, I read and read and read before deciding on the lender to do my 203(k) loan. (Yes, I read both of From Page E1 your books.) I decided to work with one of her cooperation and your in-laws’ what you call the “big box lenders” cooperation, and whether everybecause two people at the bank apbody is in agreement on the divipeared to be working on my loan sion of the retirement plan assets. and they called me back quickly If you and she see eye-to-eye on the when I asked questions. division of all of the assets, the wild What I did not understand was card might be your in-laws. that it would be sent to “processOne possibility is that they will ing” where other people would take agree to refinance the balance of over the work on my loan. the mortgages in just your wife’s After I got all my initial bids comname. They might agree to do that pleted, my loan went to “processif they feel you are being more than ing.” My initial approval was done fair to their daughter and grandon an estimated amount for the children, if you have children. loan, but the actual bids came back You should talk to your divorce $15,000 less than we had been estiattorney and make sure that the di- mating. Unfortunately, the good vision of assets is generally in the faith estimate was done on the high estimate. I immediately rerange that would be acceptable to your wife. Frequently, if the division quested a good faith estimate on the actual loan amount. of assets seems reasonable to one spouse but unreasonable to the Nearly a month later, I am still other, the division of the assets will waiting to find out what my closing fall apart and the divorce may no costs will be. I am also waiting for longer be amicable. any “processing” to be done.
GLINK
I call and e-mail almost every day. I am told they are sorry and that they will work to do better. They say they are paying to expedite my appraisal. All I know is that I do not even have an estimate from the bank of when the loan might close. (Very fortunately, the selling bank in this foreclosure gave me a closing date a ways out, and they said they would move it earlier once everything was in place to close.) Is there anything else I can do to push the mortgage bank to get their act together? Answer: Wow. You’d think that a bank that had a real live customer would be working double-time to make sure the loan closes. And, maybe they are. FHA loans typically require more paperwork than regular loans. And 203(k) loans are about the most complicated FHA loans you can get. Everything has to be verified. That’s why they take longer to complete. What probably happened is when you changed your numbers, everything in the loan pack-
age had to be changed, so your loan may have gone to the bottom of the pile. Can you speak to a supervisor? What about the boss’ boss? Can you contact the executive office of the bank’s headquarters and ask for help from the VP of operations? It’s possible that, with a quick word from the executive suite, your loan will move to the top of the pile. At least you won’t blow your rate lock. The best thing you can do is call every day or every other day and make sure the loan officer has what he or she needs to process the loan correctly. If nothing else, just seeing your phone number on the caller ID on a very regular basis should be enough to get your loan papers revised and get you through to the closing table. As the housing boom rose, banks hired thousands of people to help with loan processing, but as the boom went to bust, those jobs went away. As interest rates have dropped, banks have found themselves caught short handed and unable to work through the paper
FEATURED PROPERTIES - UP TO $199,999
load of all the files that have come in for refinancings and purchases. You should know that it is normal for a person to complete quite a bit of paper work only to find out that the documentation has been sent to a black hole at the bank for further review. In that black hole, the lender comes back with requests for additional documentation. At times, the requests are repeated until the lender is satisfied that the paperwork complies with all of the loan guidelines that the bank has and has to abide by. If your loan gets to that point, the lender should give you a letter telling you that your loan is approved and that you can proceed to buy the home. Make sure you read any of the fine print on that approval letter. It’s better for you to find out upfront that there are additional requirements than to find out at the closing or even later on that your lender will require you to do something or require you not to do something in order to get the money to complete the work on the home you are buying.
$200,000 - $299,999
PRICE REDUCED-$184,900
OPEN HOUSE SUNDAY 11AM-1PM
PRICE REDUCED-$148,900
OPEN HOUSE SATURDAY 3:00-4:30
OPEN HOUSE SAT. 9 TO 4
945 4th St - Berthoud
466 Elliott Street, Longmont
836 Welch Avenue-Berthoud
4305 Grant
Mirasol Senior Community 1294 Inca Dove Cir. - Loveland
Picture perfect 1903 built 3BD bungalow! Updated kitchen & BA, new flooring, nice-sized rooms, enclosed front porch, landscaped yards, hand laid brick driveway, white picket fence & a tire swing!
Updated 3 bedroom, 1 bath home in Longmont. Oversized 1 car garage w/work bench. Fantastic backyard w/shed and cement patio, extra cement pad for parking. No HOA $159,900 #635241
Well-maintained 1757sf, 2BD, 2BA, 2 story patio home! 9’ ceilings, gas fireplace, covered front porch w/ mtn. views, breakfast bar, full pantry, separate dining area, and an unfinished basement.
PRICE REDUCED!! Great 4 bed/2 bath home! New paint & carpet and new kitchen countertops. Garden level offers finished family room w/fp. Home is on LARGE corner lot! MLS#633897 $179,000
2 bedroom, 2 bath ranch in lovely senior community. Model home with many extras! All stainless steel appliances included. $280K Madison & Finch St., look for flags! Office open wkdays 8-5.
Kathleen Gruman 970-290-3393 kathleen@berthoudrealestate.com www.berthoudrealestate.com
Marta Loachamin Century 21 Humpal, Inc. marta@century21.com 720-323-5089
Kathy Burcham 303-775-7429 kathy@berthoudrealestate.com www.berthoudrealestate.com
Ryan Andre Sears Real Estate 970-381-1081 / 330-7700 www.andrerealestate.com
Mirasol Senior Community Mirasol Sales Team 970-635-5931 airwi@lovelandhsg.org www.mirasolseniorcommunity.com
$300,000 - $399,000
$200,000 - $299,999 PRICE REDUCED!
HARVEST RETIREMENT TOUR 9 TO 4
OPEN HOUSE SUNDAY 1-4
OPEN HOUSE SUNDAY 1:00-3:00
OPEN HOUSE SATURDAY 1PM-3PM
4629 N Franklin Avenue
1153 Finch St. (Madison and Finch St.)
2646 SW 5th Street
928 Andromeda Drive
531 Spindrift Ct, Fort Collins
3 bed/3 bath home on a beautifully landscaped corner lot! Newer stainless steel appl., roof & paint. Hot tub room & sunroom. Large family room and oversized garage. MLS#634133 $214,900
Visit Mirasol during the Harvest Retirement Tour, sponsored in part by Clear Channel. Visit one of Northern Colorados finest retirement communty for tours, food & fun. Enter to win great prizes.10/9/10
Beautifully maintained home w/park-like backyard. 3 bdrm, 3 ba, 2 car garage. Open and bright. Finished bsmt. Newly updated master bath. Gorgeous wood accents. MLS 636675. Only $249,900.
Big House with a small price tag! 4bedrm, 3 bath home, finished basement, flat screen TV, security system, open floor plan, enclosed patio and large manicured yard. “Great Buy” 269,000. Come See.
Lake views! 4Bd 4Ba Remodeled kitchen. Appliances included. Oak Floors on main level. Lake access, pool and tennis courts included in HOA. MLS#639575 $327,000
Steve Baker Sears Real Estate 970-302-0879 / 970-330-7700 stevebakerrealestate.com
Mirasol Senior Community Mirasol Sales Team 970-635-5931 airwi@lovelandhsg.org www.mirasolseniorcommunity.com
Janet Erickson/ Cliff Johnson Team Coldwell Banker Residential Brokerage 970-290-1315 erikjan@q.com
Carolyn LaMaster Prudential Rocky Mountain, REALTORS 970-690-1596 c_j_lamaster@yahoo.com
Marta Loachamin Century 21 Humpal, Inc. marta@century21.com 720-323-5089
$400,000 - $499,000 OPEN HOUSE SAT. 1:30 P.M. TO 4:00 P.M.
OPEN HOUSE SATURDAY 1-3
OPEN HOUSE 1-3PM SATURDAY
$500,000 +
LAND FOR SALE
OPEN HOUSE SAT. & SUN. 1-4 TRADES CONSIDERED
OPEN - SATURDAY 11AM-2PM
41-317953
2629 N. Dotsero Court, Loveland
805 Knobcone Place
3124 Bent Drive
NEW CUSTOM RANCH - 288 RESERVOIR
Warberg Farm at Chapman Reservoir
• $449,000 • 5 Bedrooms, 4 baths • Backs to Golf Course • 1300 sq. foot oversized 3 car garage • Magnificent updating throughout.
Horseshoe Lake Rights • RV Parking • 5Bdrm • 3Bath • Main level study • Beautifully remodeled top to bottom • Walk-out Bsmt • Gas Frplc • 32’ rollout dock • .41 Acre Lot. Hosted by Susan Peterson 391-8718
Traditional yet modern feel • Manicured .71 acre corner lot • 4Bdrm • 4Bath • Multiple Living areas includes solarium & Hot tub • Beautifully remodeled kitchen • Cntry Club Est. Hosted by Sirmula Lansky 691-0468
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.
OPEN Weekdays 11AM-1PM and Saturday from 11AM-2PM. 2+ Acre Lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boatdocks, fishing and peace garden.
Peter Trost Remax of Boulder 303-947-2300 petertrost@boulderco.com http://www.boulderco.com/agents.php?aid=36
Barbara Giesey Coldwell Banker Residential Brokerage 970-222-4035 BarbaraGiesey@msn.com www.BarbaraGiesey.com
Barbara Giesey Coldwell Banker Residential Brokerage 970-222-4035 BarbaraGiesey@coloradohomes.com www.BarbaraGiesey.com
John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.allcoloradohomes.com
Saturday Reporter-Herald October 9, 2010 E5
H&RE Featured Home Plan
Open & Spacious Winterberry is perfect for family living ASSOCIATED HOME PLANS
T
on the right of the foyer. A high plant shelf crowns the passageway into the vaulted living room. Colorful flames and warmth from the gas fireplace can boost spirits during the darker months. On the opposite side,
a set of double doors open into a large sunroom with cabinetry for a home entertainment center. Hardwood floors grace this space, along with the living room, home office and foyer. The sunroom offers patio access on the left,
as does the owners' suite on the right. The deluxe owners' suite boasts two walk-in closets and a roomy bathroom with a dual vanity and soaking tub. For more information, call (800) 634-0123, or visit www.AssociatedDesigns.com.
From Page 3
grams proceedings and terms, all of which can draw out the foreclosure process. The aim of the new HUD program is to prevent foreclosures by giving qualifying homeowners a no-interest $50,000 loan to people that are unemployed or have experienced loss of income so they can make payments and get back on their feet, Riggi said. The program is intended to prevent foreclosures and stabilize the housing market. Preventing foreclosures from happening is essential to improving the housing market because one foreclosure can lead to others in neighboring homes, Villupuram said. “Foreclosure breeds foreclosure,” he said. One home on a block may foreclose due to illness or unemployment, but neighboring homes may follow suit because the value of homes in a neighborhood are based on the last sold home. “People who are not part of the problem become part of the problem, it can spread,” Villupuram said. This is more of a problem in places like Las Vegas that have experienced rampant foreclosures because home values in heavily foreclosed neighborhoods have dropped significantly lower than the homeowner’s outstanding loan. “Once the economy gets better, there won't be as much political pressure to not foreclose,” Holsapple said. The foreclosures will work themselves out over the next three, four, five years, he said, rather than in the next year or two. However, Riggi has also seen certain financial servicers begin to move back to more standard foreclosure timelines because of the high costs associated with drawn out foreclosures. “For a while (banks) thought they could manage it but the re-
cession is lasting long and (their clients) are using up their savings,” Villupuram said. This depletes a bank’s capital and especially depends on which percentage of the bank’s clients are unemployed, he said. Banks may hold on to homes that could be on the road to foreclosure because their capital is strong enough, but if their capital gets low enough they will have to move forward and cash out on those foreclosed homes, Villupuram said. FACING FORECLOSURE Riggi said the first thing homeowners should be asking is whether pushing to prevent foreclosure is the best decision for them, as they may not be able to afford the home now and they may not be able to afford it in the future, even after current hardships are remedied. For homeowners that are looking to prevent foreclosure, this extended period means they can stay in their homes longer, but they still need to review all of their options like an alternative living situation or putting their home up for sale, should the lender not be able to or choose not to stop the foreclosure, Riggi said. Lender or financial servicers will find the best solution to mitigate their loss, Riggi said. Homeowners sometimes think they are working for them, but it might be in the lenders best financial interest to work with the homeowner to find a solution, or it may be best for them to move forward immediately with foreclosure. Riggi recommends working with a HUD-approved housing counselor from the beginning, even when at risk for default, because they can determine if working with the lender financial services is even the best choice. 41-320761
he bright and spacious gathering spaces at its heart make the Winterberry well-suited for relaxed family living. From its large kitchen you can track goings-on in the vaulted living room and eating nook. Or gaze out the wide rear windows to observe the covered patio and beyond. On the front facade, arched openings and gable-end corbels provide visually intriguing accents. These, along with the brick and cultured stone veneer cladding, imbue the home with a European flavor. Access to the three-car garage on the left is not visible from the front. People pass by a handsome stone veneer column and under a graceful arch to step into the lofty covered porch. Inside the vaulted foyer, natural light washes in through sidelights. Double doors on the left open into a vaulted den with a good-sized walk-in closet. Access to secondary bedrooms and a two-section main bathroom are
Foreclosures
saturday PRICE
sunday
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
$150,000
NE LOVELAND
571 LAVASTONE
1-3
KELLER WILLIAMS
970-690-4470
$151,000
SE LOVELAND
255 CARINA CIRCLE #104
1-4
THE GROUP, INC.
970-481-9801
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY 970-532-5900
$185,000
NW LOVELAND
1550 W 28TH ST B-8
1-3
THE GROUP, INC.
$190,565*
NW LOVELAND
3399 FOSTER PLACE
12-5
THE COTTAGE REALTY 970-532-5900
$195,000
NE LOVELAND
3402 RED MAPLE CT
10-12
THE GROUP, INC.
970-388-4261
$205,000
SW LOVELAND
835 W 7TH ST
1-3
THE GROUP, INC.
970-402-9100
$207,000
SW LOVELAND
1643 10TH ST SW
1-3
THE GROUP, INC.
970-690-1732
$210,000
NW LOVELAND
3620 CARBONDALE ST
2-4
THE GROUP, INC.
970-481-9444
$227,900
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900
$229,000
BERTHOUD
630 WELCH AVE
10-1
RE/MAX TOWN & COUNTRY
$237,500
SW LOVELAND
2028 RODGERS CT
2-4
$254,000
SW LOVELAND
1586 PERSIAN AVE
1:30-3:30
$279,685
NW LOVELAND
4475 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900
$280,000
SE LOVELAND
1294 INCA DOVE CIR
9-4
$297,462
FORT COLLINS
817 BROOKEDGE DR
$299,900
NW LOVELAND
1529 DRYLAND ST
$324,990
FORT COLLINS
$325,000 $329,000 $339,500
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
$151,000
SE LOVELAND
255 CARINA CIRCLE #104
1-4
THE GROUP, INC.
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY 970-532-5900
$185,000
NW LOVELAND
1550 W 28TH ST B-8
1-3
THE GROUP, INC.
$190,565*
NW LOVELAND
3399 FOSTER PLACE
12-5
THE COTTAGE REALTY 970-532-5900
$204,500
SW LOVELAND
2534 BEGONIA CT
1:30-3:30 THE GROUP, INC.
970-679-8265
$208,000
JOHNSTOWN/ MILLIKEN
33 VICTORIA DR
12-2
RE/MAX ALLIANCE
970-313-1205
303-775-7429
$227,900
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900
RE/MAX ALLIANCE
970-481-5015
$229,900
SE LOVELAND
475 LYRA PLACE
1-3
THE GROUP, INC.
970-310-1836
THE GROUP, INC.
970-679-8265 $262,500
SW LOVELAND
227 JOHNSON DR
12-2
RE/MAX ALLIANCE
970-622-1809
MIRASOL MARKETING 970-635-5931 GROUP
$269,000
SE LOVELAND
928 ANDROMEDA DR
1-3
PRUDENTIAL ROCKY MOUNTAIN
970-690-1596
12-5
THE GROUP, INC.
970-222-8549
$279,685
NW LOVELAND
4475 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900
1-3
THE GROUP, INC.
970-218-1891
939 SNOWY PLAIN ROAD
12-5
THE GROUP, INC.
970-443-9910
$297,462
FORT COLLINS
817 BROOKEDGE DR
12-5
THE GROUP, INC.
NE LOVELAND
4139 LOST CANYON DR
11-2
THE GROUP, INC.
970-672-7212
$298,664
NW LOVELAND
4355 RIDGWAY DRIVE
2-5
THE COTTAGE REALTY 970-532-5900
SE LOVELAND
4635 TARRAGON DR
1-4
THE GROUP, INC.
970-217-3464
BERTHOUD
2044 BURBANK ST
12-2
THE GROUP, INC.
970-481-1250
$299,900
NW LOVELAND
1529 DRYLAND ST
1-3
THE GROUP, INC.
970-218-1891
$342,500
SW LOVELAND
¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
12-4
GLEN MARKETING TEAM, ERA
970-663-4522
$324,990
FORT COLLINS
939 SNOWY PLAIN ROAD
12-5
THE GROUP, INC.
970-443-9910
$389,750
SW LOVELAND
975 PRISM CACTUS CIRCLE
12-4
GLEN MARKETING TEAM, ERA
970-663-4522
$325,000
NE LOVELAND
4139 LOST CANYON DR
11-2
THE GROUP, INC.
970-412-9372
$395,000
NW LOVELAND
4938 CLEARWATER DR
1-4
THE GROUP, INC.
970-310-1836
$329,000
SE LOVELAND
4635 TARRAGON DR
1-4
THE GROUP, INC.
970-217-3464
$420,000
SE LOVELAND
805 KNOBCONE PLACE
1-3
COLDWELL BANKER
970-222-4035
$440,000
SW LOVELAND
2635 GLADE ROAD
1-3
THE GROUP, INC.
970-213-0554
$342,500
SW LOVELAND
12-4
GLEN MARKETING
970-663-4522
$449,000
NW LOVELAND
2629 N DOTSERO CT
1:30-4
RE/MAX BOULDER
303-947-2300
¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
$450,000
SW LOVELAND
3124 BENT DR
1-3
COLDWELL BANKER
970-222-4035
$389,750
SW LOVELAND
975 PRISM CACTUS CIRCLE
12-4
970-663-4522
$525,000
NW LOVELAND
3356 NEDERLAND DR
2-4
RE/MAX ALLIANCE
970-227-1327
GLEN MARKETING TEAM, ERA
$895,000
SW LOVELAND
288 RESERVOIR DR
1-4
PREMIER LIFESTYLE REALTY
970-481-5512
$895,000
SW LOVELAND
288 RESERVOIR DR
1-4
PREMIER LIFESTYLE REALTY
970-481-5512
970-481-9801
970-290-7544
To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050
970-290-7544
970-222-8549
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 October 9, 2010 E6
H&RE Front Range Gardening
A year ago today, temperatures plummeted to 16 degrees erupted with water and calls to land- it healthy going into winter. But bescape companies skyrocketed. As the tween daytime highs and nighttime calls poured in, supplies ran short. lows, backflow preventors (the brass “Last year caught the Front Range valve on the outside of homes) need s anniversaries go, it probably off guard. A lot of sprinkler supply protection in October and the sysisn’t one a lot of gardeners like companies couldn’t keep up with the tem shut off and drained by early to remember. The days were demand for replacement parts, and November. warm and the nights cool; with nice people had to wait two or three “We’re recommending that people weather people didn’t take the calen- weeks to get their systems repaired,” watch the weather — it’s not supdar too seriously. Just when we said Rick Harris, Owner of Front 9 posed to freeze in the next seven thought we’d have a beautiful fall, Lawn and Landscape (front-9.com/). days, but it is Colorado and freezing the weather turned nasty. “When I saw that we were going to weather is coming,” said Caldwell, a Temperatures dropped suddenly, get snow, I stocked up in anticipamember of the Associated Landscape tumbling to a chill 16 degrees on tion for helping customers fix sysContractors of Colorado (alcc.com). October 10. Plants froze, and so did tems.” sprinkler systems. When the weather Even with that precaution, warmed, fountains of water geysered Harris said he couldn’t keep Carol O’Meara is with up, turning our yards into a parody of up with requests for repairs, CSU Extension in the Las Vegas strip. running out of parts and imBoulder County. “We saw a good number of systems provising while waiting for Contact her at frozen in the area. They didn’t start backordered materials. 303-678-6238 or spewing until they thawed out,” said As long as Mother Nature is comeara@co D.J. Caldwell, Account Manager with having hot flashes, our land.boulder.co.us. Foothills Landscape Maintenance scapes need water. Harris rec(flmcolorado.com/). That’s when ommends watering the lawn Front Range Gardening damaged backflow prevention valves for a few more weeks, to keep
CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY
A
To keep your system safe, here are some tips from the ALCC expert: • Wrap your backflow preventer for as long as you want to keep your system operational. If you haven’t winterized your system when temperatures are due to dip, swaddle the backflow device with R13 building insulation or towels, three to four inches thick, wrapping the pipe all the way to the ground. Cover it all with plastic, then secure it with duct tape. • Once you decide to put the landscape to bed, winterize the system by shutting off the water and draining the lines. Most systems in Colorado require blowout, but a few have manual or auto drains to remove water. Should you have one of these, consider blowing out the system anyway, since lines settle over time and low spots often develop that hold water. • Have your system blown out by professionals with an air compressor. Although do-it-yourselfers can do this, most home compressors don’t
Tips from a CSU Master Gardener better winter survival, early spring green-up and better root growth in the spring for your • Fall clean-up and tilling the soil will lawn. Irrigation will also help reduce diseases and insects in the help your shrubs and garden next season. Early blight fungus trees avoid winter desand viruses of tomatoes overwinter on dis- iccation that can cause eased tomato foliage. Remove plants since twig and root die back. viruses live in the plant tissue, not in the Newly planted bulbs, soil. Lettuce, pepper, and weeds, like shrubs and trees also bindweed and nightshade, will also harbor need regular watering viruses. Thrips overwinter as pupae in the to develop good root soil or on plant debris, and flee beetles systems to survive the spend the winter as adults hiding in clods winter. of soil or plants left in the garden. • Divide spring and • Northern Colorado hasn’t had signifisummer blooming cant moisture since mid-August, so plants in the fall. Fallregular fall irrigation will greatly benefit blooming plants are diyour landscape. Watering turf now will help vided in the spring, so fertilizer reach the root zone. This means you might want to mark them now, so you
MITZI DAVIS CSU EXTENSION, LARIMER COUNTY
can find them. Good plants for fall division include daylilies, hosta, bleeding heart, peonies, phlox, and yarrow. • Take small sections of ground covers and move them to spots where you want to add or increase the coverage of these plants. Mitzi Davis 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 970498-6000 or visit www.larimer.org/ext.
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 4080 Mobile Homes/ Loveland 5110 Unfurnished 4030 Spaces 4070 3 BDRM, 2-1/2 ba in NW Spaces 4090 BANK OWNEDFoothills Apts FALL MOVE-IN SPECIALS 2 Bdrm Apartment Homes ●Party and Exercise Room ● Includes Washer & Dryer ● Park-Like Setting ● Garages Available
1913 W. 15th St.
Apartments/ Furnished 4010 Kitchenettes. Weekly, monthly rates. Util. pd. Satellite TV, laundry rm. 970-663-0400
Apartments/ Unfurnished 4030 1 Lg Bdrm 207 S. Jefferson. Walk-in closet, coin-op, Ht/ water pd. $525. 970-669-0285 ✭ 2 BDRM Mobile home, $550, rent includes utils. Estate Builder 970-667-3400 2 BDRM, 1.5 ba, hkups, $800/mo, wtr/sewer pd. 1842 E 17th St, Faith Property 970-377-1626 2 BDRM- 1716 E. 16th, $525/ mo. 2-story, large rooms. Call rmpm.com 669-0842 2 BDRM, 1 BA, bsmt apt, hkups, 1705 1/2 E 8th St, $725/mo Faith Property 970-377-1626 2 BDRM, 1 BA, garden lvl, A/C, 1707 Cheyenne Ave #24 $575/mo H2O/swr/trash pd. Faith Property 970-377-1626 2 BDRM, 1 BA, heat & water pd, A/C, storage, off st pkng, SW loc. No smk/ pets. $625, (970)217-5958 2 BDRM, 1 BA, lg kitchen, lndry on site, water/ sewer/ trash paid. 1125 Gard Pl #1 $575/mo, Faith Property 970-377-1626 2 BDRM, 1 bath $665 ALL utilities included! Clean and Quiet end unit on 2nd floor with new carpet! Coin-Op laundry, off street parking. (970)669-1375
970-669-7850 - Sorry no pets
3 BD or 2 BD- Free rent! Pets nego. Quiet & spac. $625-$695. 970-223-1349
LUXURIOUS UPSCALE APARTMENTS STUDIO, 1, 2, & 3 BEDROOMS- Pool, hot tub, 24 hr. fitness center, business center, coffee shop, salon, pizza & deli. OPEN HOUSE, Mon-Fri 9am-6pm, Sat. 10am-5pm. 325 E. 5th St., Loveland. 1-888-822-9346
Lrg 2 BDRM, no pets. $575/ mo, wtr/sewer pd. 1717 N Cheyenne Ave. #19 & #12. Faith Property 970-377-1626
Condos/ Townhouses 4050 3 BDRM, 2 BA Condo, stacked W/D, trash pd, fenced yard, garage. 4136 Monument, $900/mo Faith Property 970-377-1626
Duplexes
4060
2 BD, 1 ba, 1 car gar, E. 21st. Wtr pd WD-hk, 11/1. Nice! 970-667-8448 lv msg 420 W. 43rd St, very nice 2 bdrm, 1 ba, 1 car gar. $750, sorry N/S, N/P. Estate Builder 970-667-3400 2 BDRM- 1305.5 E. 16th $840/mo, fin bsmt, 1 car Call rmpm.com 669-0842
2 BDRM- 410 22nd, $825. Unf bsmt, 1 car, newer crpt Call rmpm.com 669-0842 2 BDRM, $650 + elec, free heat & basic cable, clean, pantry. No pets. Coin-op. 970-663-6787 or 970-430-0859
LG 3 bdrm, 1 ba, newly remodeled on quiet street. No/S. $800/mo. 970-667-9007
COMMERCIAL SHOP$850/mo. 1600 Sq Ft. rmpm.com. 970-669-0842 STORAGE 20 x 40 with 14´ overhead door. $325/mo. Call (970)481-5899
Houses
4080
EQUAL HOUSING OPPORTUNITY All real estate advertised in this paper is subject to the federal and state Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation, or discrimination.” The newspaper will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis. ● 1109 YEAGER DR3 bdrm, 1 ba, fncd yd, storage shed, 1 year lease. $1100/mo. 303-517-0061 1111 Taft Ave Large home 1.75 ba, full fin bsmt, 1 car gar. $975 Estate Builder 970-667-3400 3 BDRM- 1143 SE 2nd, $925. Big kitchen & yard, 1 car. Call rmpm.com 669-0842 3 BDRM, 1 bath, gar, W. side, quiet st. No pets/smk. $850/mo. (970)454-9011 3 BDRM- 2114 Genoa, $1295. Pets nego, unfin bsmt Call rmpm.com 669-0842 3 BDRM, 2 BA, 2 car gar, hot tub, unfin bsmt, newer home, SW Loveland. $1350+dep. 970-987-2632 3 BDRM, 2 BA, hkups, pet nego. 4460 Hayler $1195/mo Faith Property 970-377-1626
Loveland with Hot tub. No smoke/pets nego. $1200/mo. (970)420-7687 3 BDRM, 2.5 bath in Mead, Oversize double garage, central heat/air, W/D, estbl yard front & back, auto spnklr, large garden area, fruit/shade trees, security fence, patio & deck, large fam room & bsmt, wired for cable/ satellite, $1250/mo. •Open House Sat 9-5; Sun 9-3 ● Immediate Occupancy (303)882-5252 3 BDRM, 2 ba, 2 car, like new home $1175/mo No Pets, 1029 N. Redbud, Lvld. 970-481-0646 3 BDRM, 2 BA Ranch, gar, fncd yd, close to schools. 3004 White Oak Ct. Avail 10/15 $1100 Faith Property 970-377-1626
2 BDRM- 3603 S. Taft, $675/mo. Large deck. Call rmpm.com 669-0842 ✭ 2 BEDROOM HOMES ✭ $575 to $650 + dep. West Hwy 34. Pets nego. Se Habla Espanol 970-685-8573 NEW HOMES REDUCED! Don´t miss out on this SAVINGS EVENT! Easy approval, quick closings & affordable payments. Tax ID´s welcome. Limited availability ACT NOW!! Call 970-420-8488 *wac
Tri-Lvl, 3 bdrm, 3 bath w/ bsmt. New floor coverings, int paint & appliances. $174,900. Re/Max Alliance, Wanda Quaid, 970-481-3033 411 E 12 ST ✭ MLS 637797 $124,900, ranch 3 bed, 2 bath, 1067sqft, 24x16 workshop. Call Rob (970) 481-2133 At Home Real Estate Co
571 Lavastone 80537 OPEN SAT 1-3 ✭ $150,000 David Fredlake, Keller Williams 970-690-4470.
Office Space 4100 Downtown corner loc, bldg w/ 3 ofcs/recept area. 4 car prkg. $1000/mo 970-667-5145
4 BDRM- 1182 W. 45th, $1240/mo, NICE! Pets neg Call rmpm.com 669-0842
Roommates Wanted 4120 A picture is worth
$950/mo + dep & HOA fee 2 bdrm/2 ba patio home, 2 car gar, no pets, 311 Victoria, Berthoud 970-532-2652
OWN bdrm & ba, share W/D & kit. N/S. $450 incl utils. NW Lvld, 970-203-1667
$99 MOVE IN SPECIAL 3 bdrm, 1.5 ba, located in Milliken. $995, 970-310-3855
Retail Space 4135
a thousand words
Berthoud 4 BDRM 2 ba, lg kit, 3+car gar, A/C, fncd yd, wtr pd $1300 970-532-3810 Berthoud Patio Home with upgrades, fully furnished, 2 bdrm, 2 1/2 ba, 2 car gar, W/D, A/C, N/P, N/S, $1,100/mo + $1,100 deposit. Call 303-776-0333 or e-mail to ttherapyctr@aol.com.
Fully Furnished Hair Salon & office spaces, utilities included. 970-613-1477 Hair Salon Booth Rentals & office spaces, utilities included. 970-613-1477
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970-635-3650
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 ✭
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.
Try a classified picture ad! Call for details
Lots & Tracts
3 Bedroom, 1 3/4 baths, 55+, carport, 2 storage sheds, immaculate inside & out, drive by 221 W. 57th, Lot A-9. 303-682-1919.
5100
2 ACRE LOT, Berthoud area, $40K price reduction, $125,000. Call Steve Conder for details, 303-514-3706. LAKE LOT- Lvlnd West backing walk-out lot. Exclusive recreation rights. (970)690-1732
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
get enough pressure, leaving lines filled with water. If more power is your thing and you use an industrial compressor, the pressure gets too high, damaging components and causing flying debris. To ensure your system cared for properly, look for a company with professionals certified by ALCC. These Landscape Industry Certified Technicians must complete over 2000 hours of practical experience and 10 hours of testing in order to meet the standards of best practices the certification requires. “To get that certification, you have to prove you have the knowledge for all facets of irrigation,” Caldwell said. Make your appointment soon; as the month wears on, companies get busy, especially after mid-October, when the temperatures start dropping. The $50 to $100 service can save you problems, especially during the hard, deep freezes of January and February.
Winter watering is essential SUSAN PERRY CSU EXTENSION, LARIMER COUNTY
A
s the weather begins to cool, many gardeners and homeowners anticipate shutting off of their automatic sprinkler systems. And for those who water manually, the end is in sight — no more standing around with the hose. Truthfully, the end isn’t in sight, because to maintain tree, shrub, turf, berry and perennial health, it is necessary to water during the winter to mitigate our dry Colorado climate. This is particularly true for warm, dry winters, when Colorado has less than normal snow. It’s a good practice to plan to water at least once a month from sprinkler shut-off until spring. Trees, shrubs, turf, berries and perennials can suffer root damage which can affect the overall health of the plant when subjected to prolonged periods of dry, windy weather without supplemental irrigation. Although plants that suffer root damage may appear to grow normally the following spring, this is because they are using storage reserves of energy. Once the weather heats up during the summer, these weakened plants may die or be burdened with various insect and disease problems. Root problems occur more often to woody plants that have shallow root systems, such as birches, maples, lindens, evergreens (spruce, fir, euonymous and junipers), and agastache. Even perennials and groundcovers can be affected by significant fluctuations between day and night temperatures, especially if they are in fully exposed locations, due to cracks in the soil that expose the roots. For landscape plants, a combination of good mulching and winter watering can prevent or reduce damage significantly. All lawns (whether new or established) can benefit from supplemental winter moisture. Areas that dry out the quickest are those with southern or western exposures. New plants take several years to become established and should be watered during the winter according to this rule of thumb: water new plants at least twice a month and established plants at least once a month. Of all new plants in the landscape, trees are the most likely to suffer winter drought injury. Generally, it takes a tree one year to become established for each inch of trunk diameter. So, a new tree with a two inch trunk diameter will take at least two years to become established. The time it takes perennials and shrubs to establish depends on a variety of factors. Container plants establish quicker than bare root stock, and those planted in the spring establish more quickly than those planted in the fall. When you consider the cost of new trees, shrubs, and perennials, it is advisable to be more cautious when determining a winter watering schedule. To decide when to water, watch for extended periods (more than 7-10 days) of warm (higher than 45 degrees), dry, windy weather where there is no snow cover on the ground. These are the conditions that are potentially most damaging to plants. When selecting a time to winter water, do so between 11 a.m.3 p.m. when temperatures are above 40 degrees. This allows the water to be absorbed before possibly freezing at night. Depending on the size of your yard, it may be necessary to water over several days to ensure that all plants and lawn have been irrigated. When winter watering, you can choose from a variety of methods: hand watering, deep-root needles, soaker hoses or hose-end sprinklers. Whichever method you choose, try to allow the water to soak slowly into the soil around the dripline and base of the plant. If you water trees with a deep-root needle, be sure to insert the needle no deeper than eight inches and try to apply ten gallons of water for each inch diameter of the tree trunk. Newly planted shrubs need five gallons of water twice a month, while established shrubs (under three feet tall) require five gallons per month to 18 gallons per month (shrubs taller than six feet). Turf, perennials, and berry bushes will benefit from a good soaking at least once a month. A combination of mulch in the fall and regular winter watering as needed per weather conditions will keep your landscape healthy and happy the following spring and summer.