Real Estate Matters
www.reporterherald.com • Saturday, September 17, 2011 • Reporter-Herald
Determine foreclosure’s, short sale’s impact on credit score ILYCE GLINK TRIBUNE MEDIA SERVICES
Q
uestion: I was recently divorced and bought a home. However, I have a rental property in an area that is quite depressed and where crime has increased. Homes in that area are now selling for about $15,000, and there are few renters moving in. I need to sell the rental property, as it has now drained me financially. I missed one payment. I don’t think my bank is likely to accept a short sale. My bank said that they would only consider a deed in lieu of foreclosure if I put the home up for sale and it doesn’t sell in three months. I have a tenant in the property, but he only pays sporadically, and I don’t have the funds to evict him. My credit score is 790, and I live in Georgia. Do you know how much my score would drop if I did a foreclosure or short sale? I am living hand-to-mouth, and at this point I am thinking to go the route of the foreclosure. I can’t live like this anymore. Answer: Earlier this year, a blog post on FICO.com gave some insight into how certain mortgage-related problems would impact a person’s FICO credit score. The blog post had a chart that showed the decline in a person’s credit score due to four events: a late mortgage payment, a short sale, a foreclosure and bankruptcy. It was interesting to note that a person with a higher credit score gets hit harder with one of these events than a person with a lower credit score. In your case, their chart indicated that a person with a 780 credit score would lose about 100 points if they were 30 days late on a mortgage payment and would lose about 130 points if they were more than 90 days late on a mortgage payment. If a borrower undertook a short sale, deed in lieu of foreclosure or a settlement with a bank where there was no deficiency still owing the bank, the credit score hit would be about 125 points. Finally, a short sale with a deficiency reported or a foreclosure would negatively affect a person’s credit score by about 160 points. The worst thing for a credit score for a person in your situation would be bankruptcy. It would cause a drop of about 230 points. While these numbers are a guide to what might happen to a person in your situation, you need to keep in mind that your I See GLINK/Page E3
Renovation
Loan
Mortgages can pay for home renovation
the market.” The FHA insured 22,491 home renovation mortgages in the 2010 fiscal year — more than six times the number it insured in 2007, POLYANA DA COSTA according to the agency’s latBANKRATE.COM est report on 203(k) loans. Dustan Shepherd, a loan officer and 203(k) specialist wo little-known home with BNC National Bank in renovation mortgage Overland Park, Kan., said programs offer while demand for the rehab solutions for buyers and loans is up, many borrowers homeowners who want to are not aware of the prorenovate. grams or think they are too Fannie Mae and the Federal complicated. Housing Administration have Unlike credit lines, these home renovation mortgage renovation loans require borprograms that allow buyers rowers to show the money to borrow based on what the was spent on the house. In house is expected to be the standard FHA 203(k) worth after the home rehab program, the borrower hires is completed. Homeowners a consultant to assess the can also use both programs construction plan and to perto refinance their existing form an inspection before a mortgage, plus the renova“draw” — when a portion of tion costs, into one loan. the money is disbursed to FHA’s 203(k) program and the contractor. Borrowers Fannie’s HomeStyle Renova- have up to six months and tion Mortgage have been five draws to finish a project. around for years. The HomeStyle program “A couple years ago there does not require a consultant wasn’t as much demand for to monitor the work, only an these loans,” said Leesa San- initial and final inspection. doval, a loan officer with While rehab loans involve PrimeLending in Dallas who more work than traditional specializes in renovation mortgages, they can help those who want to buy mortgages. “But now they are great to get some of this discounted homes that need (housing) inventory sold and repair. get these foreclosures out of Shepherd said he recently
T
helped a couple that bought a foreclosed house in Kansas City, Mo., for $26,000 and borrowed $136,000 to renovate the property. An appraisal estimated the home would be worth about $135,000 after the work is completed. The couple was able to take out an FHA 203(k) mortgage totaling $144,000, which covered the price of the house, renovations, and loan costs, minus a down payment. “It’s a great way to buy low and renovate to the buyer’s specific style and taste,” Sandoval said. But how do you know which loan is better? It depends on the situation. Those who don’t have great credit should probably opt for an FHA 203(k). Most
HomeStyle lenders require a credit score above 680. To get the best rate on a HomeStyle mortgage, borrowers need to have a minimum 740 credit score, Sandoval says. For borrowers with credit scores lower than 740, it’s best to compare estimates, Sandoval said. FHA does not set a minimum score requirement for 203(k) loans, but many lenders require a score of 640 or greater. There are a few exceptions and some lenders accept scores as low as 600, Shepherd said. Under the FHA’s 203(k) program, borrowers can get a mortgage with a down payment as little as 3.5 percent. HomeStyle requires a minimum 5 percent
down payment. The FHA 203(k) program is available only for owneroccupants. The HomeStyle program allows investors. The 203(k) rehab mortgage must comply with FHA loan limits. The limit varies by county but is $271,050 in most places. In high-cost areas, the limit is as a high as $625,500 starting Oct. 1. The upper limit in highestcost areas is $729,750 through September. With a 203(k) loan, borrowers can get up to 110 percent of the home’s appraised value, compared to 95 percent with a HomeStyle loan. Both appraisals are based on what the house is expected to be worth after repairs.
H&RE Front Range Gardening
Signs of Aphids Yellow jackets mean aphids and scale CAROL O'MEARA CSU EXTENSION
T
he big buzz in the garden right now is centered around the burr oak growing in our front yard. The deeply lobed leaves are swarming with activity; so many insects are swooping and diving, it looks more like a space station out of Star Wars than a tree. A closer look shows the busy bugs to be yellow jackets, gleaning the tree for honeydew. The sugary waste excreted by sap-sucking bugs is what the wasps are after, which shows you just how far the sugar addicted will go to satisfy a sweet tooth. The wasps aren’t a problem for the tree, but they can get aggressive in their search for sugar. What can be a problem for the
tree are the insects making the honeydew, bugs such as aphids or scale. Aphids — soft bodied, pear-shaped insects that suck sap — continue to be a problem for plants this year. Their late-season boom in population doesn’t really harm the tree, but it can set the plant up for the problem next spring as eggs are laid
er the insect or eggs and kill it. But near buds and in bark crevasses. a few words of caution when applying Scale insects are also sap feeders, but because they’re small and immo- dormant oils: make certain that the oil is labeled for use on the plant. bile for most of their life, most people never notice them quietly pulling Many woody plants are sensitive to oils and could be harmed, rather the life from the tree. Cousins to than helped. aphids, they sport an armored shell that protects them from predators Apply oils during warmer, dry days and people. Aspen, ash, lilac, coof early spring — before bud break toneaster, willow and poplars are fa- and not in freezing weather. Dorvorite targets of Oystershell scale, mant oil is for use before active while pines and spruce fall victim to growth of the plant begins, not when pine needle or pine tortoise scales. shoots are growing, so wait until late Most trees have scale that can attack winter. If applied too early, such as in them. the fall, plants may be prone to winFor those who are continually try- ter damage. ing to wrest control of the garden But back to the wasps, which are a back from these small insects, a problem with their aggressive foragchange of strategy may help. To keep ing in fall. The best way to fix it is to aphids and scale under control, plan find the nest and destroy it. This is ahead for next season, taking steps not for the faint of heart: yellow during the dormant time to elimijackets are a ground dwelling wasp, nate most of them. Although mulch and post ill-tempered sentries at the is a critical item to plant health over entrance to their nest. winter, clean-up of leaf litter on the Lure them to a trap baited with mulch surface in the fall is a crucial heptyl butyrate, which is similar to step to reducing numbers of over sugar water. These brightly colored wintering aphids seeking shelter. plastic tubes entice yellow jackets, To remove oystershell scale a gen- but not honey bees, with the sweet tle scrubbing of the trunk will exfoli- drink they crave. ate the bugs from the plant. Use a soft, soap-free plastic Carol O’Meara is with scrubber, bearing down lightly to remove the scale, not CSU Extension in the bark. Boulder County. If the tree is heavily infestContact her at ed with aphids or scale a 303-678-6238 or stronger approach is needed, comeara@co such as applications of dor.boulder.co.us. mant oil during late winter. These oils are refined for use Front Range Gardening on plants as a way to smoth-
Buying a home that needs work? Call the experts in FHA 203(k) renovation financing. An FHA 203(k) mortgage allows you to finance both your home purchase and renovation with a single loan. Call now to learn more. Vivian DeVoe, VP Mortgage Banker, 970-227-4702 Loans and rates subject to credit approval. FHA conditions and restrictions apply.
www.HomeStateBank.com
(970) 203-6100 Think big
Bank small
E2
Saturday Reporter-Herald September 17, 2011
Featured Properties UP TO $199,999 SPACIOUS AND PRIVATE!
OPEN SAT. 1-5 PM & SUN. 11-3 PM
$200,000 - $299,999
NEW LISTING!
OPEN SATURDAY 1-3 PM
ALFORD MEADOWS OPEN HOUSE SATURDAY & SUNDAY 12-3
260 Carina Circle #106, Loveland
Peakview Meadows, Berthoud
2599 FLEMING DR., LOVELAND
Warberg Farm at Chapman Reservoir
930 Crabapple, Loveland
Immaculate and beautiful 2bd/3ba 2000 sf townhome in one of the best locations in the complex. Your patio and windows look out to an expansive, private park. $148,000
Peakview Meadows Sales office open Friday & Monday from 1-4, Sat 1-5 and Sunday 11-3 Prices starting at $195,900. 5 Models to choose from.
4BD, 2BA split-level remodeled w/ artsy finishes. Over 1/3 acre, organic garden, fruit & nut trees, greenhouse. Abuts canal w/ walking path. Very private, no HOA...live YOUR way! MLS#665209. $198,400
OPEN Saturday 1-3 PM 2+Acre Lake front & horse lots starting $225,000 water tap included. Surface rights, walk paths, parks, boat docks, fishing and peace garden.
Just Completed! Large covered porch, main floor laundry, open kitchen w/dbl pantries and eating nook, upgrades include wood floors, granite, tile, stone fireplace, 3 car garage. Neighborhood pool.
Jennifer Carpenter The Group Real Estate (970) 231-1407
Kurt Albers & Chris Rampone Century 21 Humpal, Inc 970-231-1224 Kurt 970-430-0845 Chris www.berthoud.org
Sharon Cook NoCo Realty, Inc. (970) 679-9900 sharon@nocorealty.com www.2599fleming.com
Ursula Albers Century 21 Humpal, Inc. 970-231-0548 Ursula.Albers@century21.com
Dominic East Coldwell Banker (97) 667-4540 dominic@dominiceast.com
$300,000 - $399,999 JOHNSTOWN SCHOOL DISTRICT!
$400,000 - $499,999
OPEN HOUSE SAT & SUN 1:00-3:00 PM
OPEN HOUSE SAT. & SUN. 1-4 PM
Time to Get Your Own Place? Begin your search at reporterherald.com/classifieds/homeandrealtyguide your online and print real estate source.
27847 Arikaree Rd, Loveland
3402 Creede Court, Loveland
Just West of Loveland 288 Reservoir Drive!
Great 1 acre property in Indianhead Estates on corner lot with 3 car attached garage PLUS separate 2 car/shop! Room for your RV’s & room to expand for additional garages!
A spacious new ranch w/a WALKOUT bsmt. Inviting open kit/dng/great room area, main lvl laundry. Blt for energy savings, 2x6 const, UPGRADES thru out. Quality built by Weinland Homes in Quail Run.
Introducing Pittington Ranch! Panoramic views, open floor plans, room for your horses! 90 plus acres of riding space. Model home open! 13 homesites to choose from, starting in mid $400’s.
Maurine Garretson Coldwell Banker Plains Real Estate, Inc. 970-396-9597 maurinegar@aol.com www.coldwellbanker.com/local/plains
Cory Roberts Premier Lifestyle Realty (970) 215-9913 plrealty@qwestoffice.net
Location
Address
Hours
Office
FOR SA
LE 3 BD, 2 BA R a n c h , new kit cab and h ard bsmt, big wood flrs. Unfin back yard privacy fe , spklrs, nce.
John Mathey Premier Lifestyle (970) 481-5512 info@pittingtonrach.com www.pittingtonranch.com
saturday Price
We never stop moving:
sunday Phone
Price
Location
Address
Hours
Office
Phone
$139,900
Loveland
229 Blossom Drive
1-3 PM
The Group Inc., Real Estate, Laura Thomas
970-290-7544
From the $140’s
Loveland
43rd St & Wilson Ave The Cottages at Enchantment Ridge
12-5 PM
Cottage Realty
970-532-5900
From the $140’s
Loveland
43rd St & Wilson Ave The Cottages at Enchantment Ridge
12-5 PM
Cottage Realty
970-532-5900
From the $150’s
Milliken
110 Traders Lane
12-3 PM
The Group Inc., Real Estate, Tracy Wilson
970-567-0907
From $159,900$229,000
Loveland
1899 East 11th Street
10 AM-6 PM
Midtown Homes, Wayne Lewis
970-456-4600
From the $150’s
Milliken
110 Traders Lane
12-3 PM
The Group Inc., Real Estate, Tracy Wilson
970-567-0907
$169,900
Loveland
4403 Elliot Pl
12-5 PM
Cottage Realty
970-215-0515
$169,900
Loveland
4403 Elliot Pl.
12-5 PM
Cottage Realty
970-215-0515
$175,000
Loveland
466 West 5th Street
1:30-3:30 PM
The Group Inc., Real Estate, John Simmons
970-481-1250
$178,000
NE Loveland
2445 Oleander
2-4 PM
RE/MAX Town & Country, 970-532-5096 Gary Maggi
See information in our ad about 466 West 5th Street
Loveland
468 West 5th Street
1:30-3:30 PM
The Group Inc., Real Estate, John Simmons
970-481-1250
Starting at $195,900
Berthoud
Peakview Meadows
11 AM-3 PM
Century 21 Humpal, Kurt Albers, Chris Rampone
970-231-1224, 970-430-0845
$199,000
Loveland
260 Carina Circle #106
NE Loveland
2445 Oleander
2-4 PM
RE/MAX Town & Country, 970-532-5096 Gary Maggi
Contact our realtor for more information
The Group Inc., Real Estate, Jennifer Carpenter
970-231-1407
$178,000 $180,000
Loveland
409 Ash
10 AM-1PM
Michelle Wilson, Western 970-663-5008, Plains Realty 970-685-2992
From the $200’s
Loveland
930 Crabapple
12-3 PM
Coldwell Banker, Dominic East
970-667-4540
Starting at $195,900
Berthoud
Peakview Meadows
1-5 PM
Century 21 Humpal, Kurt Albers, Chris Rampone
970-231-1224, 970-430-0845
From the 200’s
Windsor
241 Saratoga Drive
1-4 PM
The Group Inc., Real Estate, Kelli Couch
970-310-8804
$199,000
Loveland
260 Carina Circle #106
Contact our realtor for more information
The Group Inc., Real Estate, Jennifer Carpenter
970-231-1407
$207,315
Loveland
3441 Foster Pl.
12-5 PM
Cottage Realty
970-215-0515
$220,000
Loveland
2989 8th St. Southwest
1-3 PM
The Group Inc., Real Estate, Cindy Kurtz
970-962-6832
$224,900
Loveland
503 Kathryn Court
1-3 PM
The Group Inc., Real Estate, Diana Luthi
970-481-2692
$239,000
Loveland
4496 Hayler Ave.
12-5 PM
Cottage Realty
970-532-5900
$287,296
Windsor
4607 Pompano Drive
12-5 PM
The Group Inc., Real Estate, Kristen Specketer
970-290-8097
$298,664
Loveland
4355 Ridgway Dr.
12-5 PM
Cottage Realty
970-532-5900
$299,000
Loveland
2892 Ariel Drive
1-3 PM
The Group Inc., Real Estate, Georgena Arnett
970-481-9801
$299,900
Loveland
1920 New Hampshire St.
12-5 PM
Cottage Realty
970-532-5900
From the $200’s
Loveland
930 Crabapple
12-3 PM
Coldwell Banker, Dominic East
970-667-4540
From the 200’s
Windsor
241 Saratoga Drive
1-4 PM
The Group Inc., Real Estate, Kelli Couch
970-310-8804
$207,315
Loveland
3441 Foster Pl
12-5 PM
Cottage Realty
970-215-0515
From $225,000
Loveland
Warberg Farm At Chapman Reservoir
1-3 PM
Century 21 Humpal, Ursula Albers
970-231-0548
4022 Don Fox Circle
12-2 PM
RE/MAX Alliance, Rhonda Heth
970-566-3516
$235,000 $239,000
Loveland
4496 Hayler Ave
12-5 PM
Cottage Realty
970-532-5900
$299,900
Loveland
4454 Stump Ave.
12-5 PM
Cottage Realty
970-532-5900
$269,000
Loveland
1506 Farmland Street
11 AM-1PM
The Group Inc., Real Estate, John Simmons
970-481-1250
From the $300’s
Loveland
3402 Creede Court
1-3 PM
Premier Lifestyle Realty, Cory Roberts
970-215-9913
$287,296
Windsor
4607 Pompano Drive
12-5 PM
The Group Inc., Real Estate, Kristen Specketer
970-290-8097
From the $300’s
Loveland
27847 Arikaree Road
Maurine Garretson, Coldwell Banker Plains Real Estate
970-396-9577
$298,664
Loveland
4355 Ridgway Dr
12-5 PM
Cottage Realty
970-532-5900
Contact our realtor for more information
$335,000
Loveland
2890 Carina Circle
1-3 PM
Loveland
2892 Ariel Drive
1-3 PM
The Group Inc., Real Estate, Georgena Arnett
970-481-9801
The Group Inc., Real Estate, Georgena Arnett
970-481-9801
$299,000
$347,900
Loveland
920 Norway Maple
1-3 PM
Loveland
1920 New Hampshire St
12-5 PM
Cottage Realty
970-532-5900
The Group Inc., Real Estate, Rich Gardiner
970-227-0964
$299,900 $299,900
Loveland
4454 Stump Ave
12-5 PM
Cottage Realty
970-532-5900
$355,000
Loveland
1845 Monarch Circle
1-3 PM
The Group Inc., Real Estate, Sally Brent
970-481-2037
From the $300’s
Loveland
3402 Creede Court
1-3 PM
Premier Lifestyle Realty, Cory Roberts
970-215-9913
$369,963
Fort Collins
1031 Hinsdale Drive
1-4 PM
The Group Inc., Real Estate, Keith Huntsman
970-227-2779
From the $300’s
Loveland
27847 Arikaree Road
Contact our realtor for more information
The Group Inc., Real Estate, Jennifer Carpenter
970-231-1407
From the $400’s
Loveland
288 Reservoir Drive, Pittington Ranch
1-4 PM
Premier Lifestyle Realty, John Mathey
970-613-4400
$435,900
Windsor
6787 Spanish Bay Drive
1-3 PM
The Group Inc., Real Estate, Nancy Maus
970-213-0554
$520,000
Loveland
836 Green Mountain Drive
1-3 PM
The Group Inc., Real Estate, Stephanie Soule
970-214-2452
$650,000
Fort Collins
627 Roma Valley Drive
12-3 PM
The Group Inc., Real Estate, Keith Huntsman
970-227-2779
From $159,900$229,000
Loveland
1899 East 11th Street
10 AM-6 PM
Midtown Homes, Wayne Lewis
970-456-4600
$335,000
Loveland
2890 Carina Circle
1-3 PM
The Group Inc., Real Estate, Georgena Arnett
970-481-9801
$347,900
Loveland
920 Norway Maple
1-3 PM
The Group Inc., Real Estate, Rich Gardiner
970-227-0964
From the $400’s
Loveland
288 Reservoir Drive, Pittington Ranch
1-4 PM
Premier Lifestyle Realty, John Mathey
970-613-4400
To add a listing or speak to an advertising representative, call Dan Grassmeyer at 970-635-3615
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 September 17, 2011
Regional Snapshot for Loveland/Berthoud Residential May
June
July
Active Listings Previous Year Active Listings
1004 1117
973 1101
938 1092
Sold Listings
126
155
134
$200,000 $214,500
$220,000 $234,000
Average Days on the Market Previous Year ADOM
107 118
121 121
103 122
Year to Date Listings Sold Previous Year YTD Listing Sold
521 559
676 728
810 839
Median Sales Price Previous Year Median
Home & Real Estate is produced every Saturday by the Loveland Reporter-Herald. DISPLAY ADVERTISING 970-635-3615 CLASSIFIED ADVERTISING 970-635-3650
be your primary concern. If you’re living hand-to-mouth, you’re in deep trouble financially. If you’ve missed one payment on your loan, your credit hisFrom Page E1 tory will shortly start to decline. What credit issues can have a cumulative ef- you need to do is consider stopping all fect on your credit score. If you are late payments, and shoring up your cash reserve. You’ll need it. on your mortgage payments and then Please find a good real estate attorundertake a short sale, your credit ney who can walk you through this proscore might fall 170 points. cess and help protect you if you wind You can see the blog post and the charts for various starting credit scores up in foreclosure. at http://bankinganalyticsblog.fico .com/2011/03/ research-looks-at-howFor more information, call mortgage-delinquencies-affect-scores.html. Glink’s radio show at You can also see a chart 800-972-8255 on Sundays there on the number of from 9 to 10 a.m., write to Real years it may take for Estate Matters Syndicate, P.O. your credit score to reBox 366, Glencoe, IL 60022 or turn to its current levvisit www.thinkglink.com. el. However, at this point, credit shouldn’t
GLINK
$208,958 $238,000
Mortgage rate update This week Last week Trend
30-year fixed
4.18%
4.18%
no change
15-year fixed
3.38%
3.38%
no change
5/1 ARM
3.00%
2.99%
E3
Real Estate Matters
NEW
Loveland, Colorado • $3,000 BUYER CREDIT NEW HOMES MONTHLY PAYMENTS FROM • STARTING AT $999 $159,900 - $229,900 • OVER 10 MODELS • CONNECTED TO CITY TRAIL
NORTHERN COLORADO HOMES
New Construction
GREAT VALUE GREAT COMMUNITY GREAT LOCATION
Sales Office Open 10-6 Daily 1899 East 11th Street, Loveland, CO 80537 Phone: (970) 456-4600 info@newmidtownhomes.com www.newmidtownhomes.com 17-326536
Priced from $210K
Priced from $270K
FHA Approved Community www.CosBuilders.com
Megan Wachtman 8z Real Estate Broker/Owner
970-217-7977
www.MeganWachtman.8z.com www.cohomefinder.com A better way to buy and sell a home in Colorado!
Open Houses This Weekend - www.thegroupinc.com NEW CONSTRUCTION
NEW LISTING
SUNDAY 1:00-3:00
SATURDAY & SUNDAY 12:00-3:00
SATURDAY 1:30-3:30
229 Blossom Drive, Loveland Nice ranch style home with 2 bedrooms, living room and family room with wood-burning stove. 2 room air conditioners. 2 car garage. Covered patio. Near schools and parks.
110 Traders Lane, Milliken Pick your own fixtures, carpet & colors. Wonderful ranch style & 2-story home plans to choose from. Your choice of 3 great subdivision to live in – Settlers Village – Colony Point or Centennial Farms. VALUE YOU CAN SEE… QUALITY YOU CAN COUNT ON with a WINDMILLS HOME. Visit us at 110 Traders Lane in Settlers Village.
466 and 468 W 5th Street, Loveland Unique property with 2 dwellings in downtown Loveland. Main home has 3 bdrms, 1.5 baths, re-circulating FP & hardwood floors in living room, hall & 1 bdrm. Cheerful country kitchen. Main floor laundry. Some new windows, newer roof & vinyl siding. Detached rental w/1 bdrm, living room, kitchen, bath & separate parking.
NEW HOMES BUILT BY WINDMILLS, LLC
FRIDAY - SUNDAY 1:00-4:00 241 Saratoga Drive, Windsor Greenspire at Windsor Lake. It’s more than just a home… IT’S A QUALITY OF LIFE! Miles of bike trails, open space & parks. Personalize your home from framing to finish! Extraordinary floor plans – Ranch & 2-Story. Lots available on Windsor Lake! Visit our Sales Center at 690 Moonglow Dr or call for a personalized showing today!
$139,900
Prices starting in the $150’s
$175,000
Homes Starting in the $200,000s!
MLS# 661254
MLS#
MLS# 665337
MLS# 647386
Call Laura Thomas
Call Tracy Wilson
Call John Simmons
Call Kelli Couch
290-7544
567-0907
481-1250
PRICE REDUCED
NEW CONSTRUCTION
970-310-8804 NEW CONSTRUCTION
SUNDAY 1:00-3:00
SUNDAY 1:00-3:00
SATURDAY 11:00-1:00
SATURDAY & SUNDAY 12:00-5:00
FRIDAY - SUNDAY 1:00-3:00
2989 8th Street SW, Loveland Large master on the main level. Large upper level bedrooms and loft as well. Cozy main level family room and living room. Vaulted ceilings. Fireplace in living room. Private yard with relaxing deck and mature landscaping. New roof in 2011. Potential for RV/boat parking.
503 Kathryn Court, Loveland Nice-sized corner lot. Wellmaintained tri-level has 3 bedrooms + study & 3 baths. Kitchen w/oak cabinets & pantry. Gas fireplace in rec room. Master bedroom offers it’s own bath & walk-in closet. Private fenced backyard, shaded patio, sprinkler system, RV parking & storage shed. Blue Ribbon Warranty included!
1506 Farmland Street, Loveland Beautiful universal ranch style home in Taft Farms. Open floor plan with great room, breakfast bar, and large kitchen. 36” doorways & hallways, ADA compliant baths (can convert to normal bath), low rise shower stall, high rise toilets, roll-under sinks. Basement level with caregiver/guest suite. Covered deck & entry.
4607 Pompano Drive, Windsor 3 bedroom, 3 bath ranch with 3-car garage. Loads of upgrades, backs to open space! All of our homes are energy-efficient on oversized lots! Visit our models for other plans available starting at $239,900.
2892 Ariel Drive, Loveland Colorado Craftsman style home quality built by Oak Valley Homes. Kitchen features a large island and shaker style alder cabinetry. Ranch style home with open floor plan backs to open space. Beautiful finishes include hardwood floors, designer tile & slab granite. Full, unfinished basement. Fully landscaped yard.
$220,000
$224,900
$269,000
$287,296
$299,000
MLS# 660250
MLS# 660849
MLS# 644880
MLS# 661199
MLS# 662114
Call Cindy Kurtz
Call Diana Luthi
Call John Simmons
Call Kristen Specketer
Call Georgena Arnett
962-6832
481-2692
481-1250
290-8097
481-9801
NEW CONSTRUCTION
MOVE-IN READY
PRICE REDUCED!
FRIDAY - SUNDAY 1:00-3:00
SATURDAY & SUNDAY 1:00-3:00
SUNDAY 1:00-3:00
2890 Carina Circle, Loveland Colorado Craftsman style home. Finishes include hardwood floors, designer tile, slab granite, alder trim & doors and shaker style alder cabinetry. 12’ ceilings in great room w/wood beams. SS appliances, gas fireplace and custom built-ins. Fully landscaped. Close to I-25, Centerra and the Medical Center of the Rockies.
920 Norway Maple, Loveland New custom home by Troendly Construction. Ranch w/2 bedrooms & den on main level. Bdrm, bath & family room finished in basement. Tandem 3 car garage. Nice finishes included granite, Alder cabinets & stainless steel appliances. Fully landscaped w/auto sprinklers. Move in ready see this lovely home today.
1845 Monarch Circle, Loveland The “Discovery House”. Highest energy ranking ever given by Built Green Colorado. Radiant floor heating in basement, awnings and metal roof with solar water heating panels. New SS appliances, custom concrete counter tops, indoor and outdoor fireplaces and “living” fence on corner lot. Pre-inspected. 1 Year Home Warranty.
$335,000
$347,900
$355,000
MLS# 662119
MLS# 654230
MLS# 656830
Call Georgena Arnett
Call Rich Gardiner
Call Sally Brent
481-9801
227-0964
481-2037
SUNDAY 1:00-4:00
SUNDAY 1:00-3:00
1031 Hinsdale Drive, Fort Collins 6 Bdrm, 4 Bath 2-story w/4021 total sf. Loaded w/upgrades and features. Open floor plan, granite counters, new carpet & hardwood flooring.5-Piece master bath, 2 water heaters, full finished basement & more!
6787 Spanish Bay Drive, Windsor Classy patio home has 2 master suites. Main floor office. Formal dining room. Concrete countertops, SS appliances & huge walk-in pantry. 3rd bdrm, bath, family room & lots of unfinished area in basement. Entertainment center is included. Enjoy the view across Highland Meadows Golf Course!
$369,963
$435,900
MLS# 663036
MLS# 660692
Call Keith Huntsman
Call Nancy Maus
227-2779
213-0554
AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE
SUNDAY 1:00-3:00
SUNDAY 12:00-3:00
836 Green Mountain Drive, Loveland New carpet and stainless refrigerator. New exterior paint. Andersen windows, double wrap-around decks. Master suite with in-floor hot tub. Rec room large enough for pool table or 5th bedroom. Spectacular views of Pinewood Lake, snow-capped mountains and the evening lights of the plains. Close to hiking, biking & fishing.
627 Roma Valley Dr, Fort Collins 5 Bdrm, 5 bath 2-story w/5461 total sf. Open floor plan, gourmet kitchen, all bedrooms have private bath, main floor study, full finished walkout basement and backs to Fossil Creek open space.
$520,000
$650,000
MLS# 635935
MLS# 656565
Call Stephanie Soule
Call Keith Huntsman
214-2452
227-2779
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Saturday Reporter-Herald September 17, 2011
H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.
• John & Andrea Burrow from Daryl Land, 38 Saxony Rd, Johnstown, $238,500, home
Loveland
Milliken
land, $159,500, home • Stephen & Mary Baran from Hershman Living Trust, 2875 Sw Bridalwreath Pl, Loveland, $155,000, home • Resident from Barbara Johnson, 3585 Leopard St, • Scott & Phyllis Laidig Loveland, $218,200, home from Bobby Brake, 1440 Glo• Dean & Sherry Warren ria Ct, Loveland, $203,500, from Bart Overturf, 5717 home Snow Mesa Ct, Loveland, • Brian Steckelberg from $215,900, home Brian Johnson, 2202 Cameo • Catherine Stover from Ave, Loveland, $225,000, Michael Perkins, 415 W 3rd St, home Loveland, $110,000, home • Jerry & Catherine Ho • Lora Elkins from Chris from David Richert, 3110 Poore, 1245 Baretta Dr, LoveBirch Dr, Loveland, $185,000, land, $177,000, home home • Melvin & Ann Cook from • Jeremiah & Jennifer Janet Rittenhouse, 659 RadiWarner from WDA Holdings ant Dr, Loveland, $172,500, LLC, 628 W 1st St, Loveland, home $140,000, home • Christopher Ricciardi • William & Joni Myers from from Billi Sorensen, 1984 Sheri Armendariz, 1040 WisteDove Creek Cir, Loveland, ria Dr, Loveland, $268,000, $156,000, home home • Thomas Dimauro from • Steven Swayze from David Jesse Southard, 4745 Hahns Ball, 4730 Georgetown Dr, Peak Dr Unit 204, Loveland, Loveland, $376,300, home $128,700, condo • Kent & Shirley Eubanks • Wade & Christine Tabor from Custom Onsite Inc, 3405 from David Sullivan, 1946 Peruvian Torch Dr, Loveland, White Ibis Ct, Loveland, $332,200, home $240,000, home • Charles & Donna Johnson • Daniel & Terri Pecora from from Fannie Mae, 3518 CaFernando Zayas, 1943 Sedona pulin Dr, Loveland, $188,500, Hills Dr, Loveland, $490,000, home home • Dana Steiner from Constance Gibson, 2002 James Dr, Loveland, $195,000, home • Michelle Normoyledietz • Jessica & Robin Katzer from Berthoud Investments from James Hawley, 5105 Lllp, 835 Gentlewind Way, Edgewood Ct, Loveland, Berthoud, $157,500, home $171,000, home • Derek & Emmy Ingham • Sandra Minks from Anne from Jerrold Judd, 215 E Lehndorf, 913 21st St Sw, Michigan Ave, Berthoud, Loveland, $128,500, home $238,000, home • Stephanie Schilling from • Daniel & Marsha Oconnell Loveland Habitat For Humanifrom Homesales Inc, 408 Wark ty, 2086 E 11th St, Loveland, Ave, Berthoud, $105,000, $165,000, home home • Barry & Laurie Bosley from Gerilyn Mitchell, 1314 4th St Se, Loveland, $168,000, • Michael & Patricia home Aldridge from Phil Mclain, 228 • John & Pilar Bakovich Pinyon Trl, Estes Park, from Mountain High Home Builder Inc, 835 Norway Maple $529,000, home • Stephen Tyman from Wells Dr, Loveland, $407,500, home Fargo Bank, 2421 Arapaho Rd, • Laisvidas Kisielius from Estes Park, $298,000, home Mark Osier, 1119 S Del Norte • Carolyn Mcendaffer from Dr, Loveland, $166,000, home TomOrtmeier, 1861 Raven Ave • Scott & Lisa Whittaker Unit F3, Estes Park, $225,000, from Jennifer Quade, 4054 condo Cripple Creek Dr, Loveland, • Ronald & Lori Willis from $220,000, home Robert Sheldon, 252 Mountain • Nina & Gilbert Johnson View Ln, Estes Park, $340,000, from Clifford Robson, 4480 home Walden Ave, Loveland, $248,000, home • Kara Gan from Wayne Scarbrough, 3083 Ivy Dr, Love• Shane & Hillary Kluge land, $244,900, home from BK New York Mellon, • Shane & Mercedes Wind2519 Rouen Ln, Johnstown, sheimer from Wade Tabor, 337 $205,000, home W 9th St, Loveland, $145,000, • Brett Fruehan from Linco home Enterprises LLC, 462 Castle • Dean & Crystal Dekrey Pines Ave, Johnstown, from Windmill Properties # 2 $194,000, home LLC, 4749 Lucille Ct, Love• John Putnam from Ryland land, $279,000, home Group Inc, 2732 Aylesbury • Noah Roberts from Marie Way, Johnstown, $276,400, Brehm-Campbell, 469 W 9th home St, Loveland, $205,000, home • David & Cynthia Kruger • Jack & Deborah Doyel from Ryland Group Inc, 2736 from Michael Burke, 1230 White Wing Rd, Johnstown, Flowering Almond Dr, Love$271,000, home land, $312,000, home • Marsha Post from John • Troy White from Donald Burrow, 2007 Crestview Dr, Hahn, 405 Edgewood Dr, Love- Johnstown, $320,000, home
Welcome Home
• Scott & Kristina Knock from Ralph Bier, 403 Megan Ln, Milliken, $189,700, home • Brian Swanson from Fannie Mae, 2175 Settlers Dr, Milliken, $134,000, home • Fred Ohrn from Daniel Grossman, 2363 Carriage Dr, Milliken, $145,700, home • Anna Kicera from Wells Fargo Bk, 2791 Prairie Dr, Milliken, $150,200, home
Cindy Kurtz Broker Associate/Partner 970.962.6832 m ckurtz@thegroupinc.com www.Cindy-Kurtz.com 1351 E. 19th Street, Loveland, CO 80538 Ranch style home with no HOA. Immaculate, open floor plan with full finished basement. Vaulted ceilings on main level and 9’ ceilings in basement. Antique clawfoot tub, walk-in pantry, trex deck, RV parking, vinyl fencing, wet bar, pool table and a 1,086 sqft garage. Only blocks from McKee Medical Center, parks and bike trails. $350,000 MLS#665091
660 Mt Massive, Berthoud, CO 80513 Beautiful home located in a quiet desirable neighborhood. Three bedroom, two bath, with builder finishes. Hardwood floors in kitchen, panel oak cabinets, and covered porch. Unfinished basement offering room to grow. Spacious back yard with excellent views. This is a must see! $220,000 MLS#664809
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Windsor • Charles Kurtz from Steffen Essen, 520 Elm St, Windsor, $158,000, home • James & Mary Roppo from Hartford Homes Inc, 7131 Crystal Downs Dr, Windsor, $405,000, home • Brianna Lafferty from Homesales Inc, 617 Blue Mountain Ct, Windsor, $195,000, home
All brick duplex that backs to park. Open floor plan with 2 large bedrooms, updated baths and a large eat-in kitchen. Both sides are currently rented and have good rental histories. Each side has separate back yards. $179,500 MLS#652253
5008 Saint Andrews Drive, Loveland, CO 80537 Don’t miss your chance at one of the last lots on Loveland’s prestigious Mariana Butte Golf Course. This lot backs to the 9th fairway. Enjoy great mountain views as well as abundant wildlife. Bring your own builder. $119,900 MLS# 653295
5401 Stone Creek Circle, Loveland, CO 80538 970.613.0700 www.thegroupinc.com
750 W. Eisenhower Blvd., Loveland
Berthoud
Estes Park
935-937 Douglas Avenue, Loveland, CO 80537
669-1234
Each office independently owned & operated
vview iew more mo properties at:
www.HomesInColorado.com
OPEN SATURDAY 12-2 4022 Don Fox Circle, Loveland
Enjoy maintenance free living near the golf course in this 2 bed Patio Home in desirable Mariana Butte. Light & bright open floor plan, freshly painted, all appliances remain. From Hwy 34, South on Namaqua, West on Crestone, West on Golf Vista, North on Don Fox Circle.
JUST LISTED 2629 N Gilpin Ave, Loveland Like a patio home without HOA. New decor paint. 1/2 duplex, 3BR, Master oversize shower, kitchen door to covered private patio. Large backyard, ample storage in garage. You’ll feel right at home! Newer furnace.
PRICE REDUCED 1866 Monarch Circle, Loveland
Fantastic opportunity to own a beautiful home with a separate studio/carriage house!! Studio is currently rented for $565 a month! 4 bd/4bath, custom stained patio, tons of fruit trees. Walking dist to Centerra, easy access to 1-25, new hospital.
$235,000
$159,900 | MLS #664129
Call Rhonda Heth
Call Jan Thayer
Call Rita Embry
rhondaheth@remax.net
team@janthayer.com
ritaembry@remax.net
566-3516
215-0880
$299,900| MLS #663657
481-4967
Johnstown
PRICE REDUCED www.1009Shortleaf.com PRICE REDUCED! Step saving ranch in quiet cul-de-sac. Living room fireplace to stay cozy in the winter. Recreation room in basement. Walk out onto wooden deck to enjoy amazing yard with mature trees. $162,500 | MLS #658789
Call Nanci Garnand 622-1846 | 227-1327
www.LivingInLoveland.com
www.1432SevenLakes.com Space and sunshine!! And only steps away from your back door to water. A lot of livin’ to do and lots of room for it in this lovely 2-story home. Kitchen highlights granite counters/maple cabinets.
www.505-5thSt.com, Berthoud
Roomy updated ranch in Berthoud. Experience the joy of cooking in kitchen with a large pantry and then relax in the basement with great home theater. Amazing shaded patio.
$390,000 | MLS #661627
$225,000 | MLS #661764
Call Nanci Garnand
Call Nanci Garnand
www.LivingInLoveland.com
www.LivingInBerthoud.com
622-1846 | 227-1327
622-1846 | 227-1327