Real Estate 02/01/15 by Colorado Springs Gazette, LLC

RealEstate Sunday, February 1, 2015

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Common mistakes made on home renovation COURTESY OF METRO SERVICES

Home improvement projects can turn a house into a home. Homeowners plan scores of renovations to transform living spaces into rooms that reflect their personal tastes and comforts. Homeowners going it alone may find things do not always go as planned. In fact, a Harris Interactive study found that 85 percent of homeowners say remodeling is a more stressful undertaking than buying a home. But homeowners about to embark on home improvement projects can make the process go more smoothly by avoiding these common pitfalls. FAILING TO UNDERSTAND THE SCOPE OF THE PROJECT Some homeowners don’t realize just how big a commitment they have made until they get their hands dirty. But understanding the scope of the project, including how much demolition and reconstruction is involved and how much time a project will take can help homeowners avoid some of the stress that comes with renovation projects. For example, a bathroom renovation may require the removal of drywall, reinforcement of flooring to accommodate a new bathtub or shower enclosure and the installation of new plumbing and wiring behind walls. So such a renovation is far more detailed than simply replacing faucets.

NOT ESTABLISHING A BUDGET Homeowners must develop a project budget to ensure their projects do not drain their finances. If your budget is so inflexible that you can’t afford the materials you prefer, you may want to postpone the project and save more money so you can eventually afford to do it right. Without a budget in place, it is easy to overspend, and that can put you in financial peril down the line. Worrying about coming up with money to pay for materials and labor also can induce stress. Avoid the anxiety by setting a firm budget. MAKING TRENDY OR OVERPERSONAL IMPROVEMENTS Homeowners who plan to stay in their homes for the long run have more free reign when it comes to renovating their homes. Such homeowners can create a billiards room or paint a room hot pink if they so prefer. However, if the goal is to make improvements in order to sell a property, overly personal touches may make a property less appealing to prospective buyers. Trends come and go, and improvements can be expensive. If your ultimate goal is to sell your home, opt for renovations that will look beautiful through the ages and avoid bold choices that may only appeal to a select few buyers.

FORGETTING TO PROPERLY VET ALL WORKERS It is important to vet your contractor, but don’t forget to vet potential subcontractors as well. Failing to do so can prove a costly mistake. Contractors often look to subcontractors to perform certain parts of a job, and it is the responsibility of homeowners to vet these workers. EXPECTING EVERYTHING TO GO AS PLANNED Optimism is great, but you also should be a realist. Knowing what potentially could go wrong puts you in a better position to handle any problems should they arise. The project might go off without a hitch, but plan for a few hiccups along the way. OVERESTIMATING DIY ABILITIES Overzealous homeowners may see a renovation project in a magazine or on television and immediately think they can do the work themselves. Unless you have the tools and the skills necessary to do the work, tackling too much can be problematic. In the long run, leaving the work to a professional may save you money. Home improvements can be stressful, but homeowners can lessen that stress by avoiding common renovation mistakes. 

• Cozy Front Porches • Alley Load Garages • Community Maintained • Landscaping

GRAND OPENING! SEVEN STYLISH RANCH-STYLE AND 2-STORY HOMES PRICED FROM THE LOW TO MID $200S.

Model Location: 6657 Lucky Star Lane (80923) - 719.434.7831

2SH

The Gazette · springshouses.com

Sunday, Feb 1, 2015

BuildingPermits The figures quoted here are based on the weekly printout from the Regional Building Department. Not all permit data are shown. Prices include labor and materials and do not reflect lot price, utility tap fees, or other expenses. The following covers Jan. 17 – 23, 2014.

SINGLE FAMILY HOMES

• 5520 Sky Meadow Dr. $443,740 Ron Covington Homes • 2361 Rainbows End Pt. $591,724 Builtrite Bldrs. • 6642 Edmondstown Dr. $398,231 Challenger Homes, Inc. • 10674 Delaney Ln. $820,875 Challenger Homes, Inc. • 3894 Saguaro Cr. $515,911 Premier Homes, Inc. • 3681 Desert Willow Ln. $250,032 Premier Homes, Inc. • 3691 Desert Willow Ln. $348,974 Premier Homes, Inc. • 8332 Longleaf Ln. $349,402 Oakwood Homes, LLC • 7131 Golden Acacia Ln. $560,135 Richmond Amer. Homes • 8374 Longleaf Ln. $373,709 Oakwood Homes, LLC • 6575 Bramble Bend Ct. $436,993 Oakwood Homes, LLC • 8349 Colo. Spruce Ln. $377,564 Oakwood Homes, LLC • 6050 Finglas Dr. $417,077 Aspen View Homes • 8246 Hardwood Cr. $379,920 Aspen View Homes • 8668 Moorland Ln. $447,166 Vanguard Homes Corp. • 7764 Pinfeather Dr. $435,066 Walther Homes, Inc. • 6145 Cool Well Dr. $694,735 Builtrite Bldrs. • 10904 S Holmes Rd. $659,827 Builtrite Bldrs. • 7551 Dutch Lp. $457,339 Stephens & Assoc., Inc. • 7559 Dutch Lp. $437,850 Stephens & Assoc., Inc. • 11453 Palmers Green Dr. $496,102 Campbell Homes Ltd. • 16028 Penn Central Wy. $267,272 Elite Prop. of Amer., Inc. • 6747 Indian Feather Dr. $423,608 Elite Prop. of Amer., Inc. • 12630 Chianti Ct. $559,172 Elite Prop. of Amer., Inc. • 12606 Chianti Ct. $561,420 Elite Prop. of Amer., Inc. • 7935 Wagonwood Pl. $469,867 Reunion Homes • 5635 Leon Young Dr. $574,377 Richmond Amer. Homes • 10847 Mt Evans Dr. $427,463 Richmond Amer. Homes • 315 Eclipse Dr. $444,168 Hi Point Home Bldrs. LLC • 2231 Chickhollow Dr. $337,730 Aspen View Homes

MOBILE HOMES • 1305 Forest Rd. $5,000 Homeowner • 3280 S Academy Blvd. 6, $5,000 Stan Lewis, Inc.

RESIDENTIAL ALTERATIONS

• 19106 Rosewood Wy. $22,000 Homeowner, Int. Remod. • 1625 Lorraine St, $5,500 Saren Structures,

Reroof • 14950 Raton Rd. $500 Colo. Fireplace Conn., Woodstove • 19620 Belatrix Dr. $3,400 Western Fireplace Supply Inc. Woodstove • 2508 N Wahsatch Ave, $4,900 Thatsmyroofer. com, Reroof • 7214 Antelope Meadows Cr. $3,500 Seaback Roofing & Rest., Reroof • 1323 Roseville Dr. $7,400 Thatsmyroofer.com, Reroof • 1926 Kodiak Dr. $3,000 Diamond Roofing & Const., Reroof • 15 Marland Rd. $49,000 Holladay Grace Roofing, Inc., Reroof • 810 E Kiowa St, $4,400 Holladay Grace Roofing, Inc., Reroof • 812 E Kiowa St, $4,400 Holladay Grace Roofing, Inc., Reroof • 4674 Cassidy St, $5,700 Holladay Grace Roofing, Inc., Reroof • 5330 Alturas Dr. $1,500 Seaback Roofing & Rest., Reroof • 411 Quebec St, $10,000 Empire Roofing Systs., Inc., Reroof • 15450 Desiree Dr. $12,070 RTP Roofing Co., Reroof • 1620 N Prospect St, $8,782 Old World Const., Inc. Reroof • 14150 Albatross Dr. $4,665 RTP Roofing Co., Reroof • 3705 St.s Ct. $220,000 Empire Roofing Systs., Inc., Reroof • 7115 Wintery Lp. $9,900 Petrali Roofing, Reroof • 318 E Monument St, $6,600 Petrali Roofing, Reroof • 2404 Cinnabar Rd. $22,952 High Point Roofing, Reroof • 1340 Big Valley Dr. $8,358 Durabull Roofing, Reroof • 7220 Caballero Ave, $1,308 Decks by Schmillen LLC, Deck • 6296 Bearcat Lp. $3,759 Homeowner, Partial Bsmt. Finish • 11 W Madison St, $10,944 Trafton Roofing & Repair Svc., Reroof • 2215 Cloverdale Dr. $4,500 Decks by Schmillen LLC, Deck • 6686 Camino Del Rey, $6,000 Zede Roofing, Reroof • 2408 Ehrich St, $3,800 A&B Const., Inc., Deck • 1305 Northfield Rd. $10,000 J&E Plstrg., Stucco • 1219 San Miguel Pl. $3,664 Trafton Roofing & Repair Svc., Reroof • 6756 Wild Indigo Dr. $7,500 Total Roofing, Reroof • 15045 Pole Pine Pt. $45,102 Tiffany Homes, LLC., Bsmt. Finish • 7850 Chinook Ct. $8,127 Trafton Roofing & Repair Svc., Reroof • 651 N 30th St, $5,000 Empire Roofing Systs., Inc. • 1513 Rosemont Dr. $4,000 PBP Const., Reroof • 2237 Fernwood Dr. $5,675 Excel Roofing, Inc., Reroof • 912 Mesa Creek Dr. $5,078 On Top Roofing & Rest., Reroof • 855 Hayloft Ln. $5,420 Excel Roofing, Inc., Reroof • 3115 W Pikes Peak Ave, $500 Homeowner, Stucco • 5041 Lyda Ln. $15,000 Lu's Const., Int. Remod. • 4885 Sandstone Dr. $11,000 HCC Homes Inc. Deck • 1621 N Royer St, $2,429 Homeowner, Deck • 6325 Rabbit Ears Cr. $200 Homeowner, Int. Remod. • 7020 Oak Hills Pl. $10,697 Homeowner, Bsmt. Finish Partial • 6734 Shimmering Moon Ln. $4,185 Crossroad Bldrs. Inc. Deck • 8233 Fort Smith Rd. $36,284 Homeowner,

springshouses .com Bsmt. Finish • 1108 North Star Dr. $7,000 Homeowner, Bsmt. Remod. • 6620 Cabin Creek Dr. $17,636 Homeowner, Bsmt. Finish • 38115 Gieck Rd. $1,495 Stan Lewis, Inc. Deck • 5750 Alturas Dr. $6,800 Stan Lewis, Inc. Int. Remod. • 13619 Cliffbush Ter. $3,000 Seaback Roofing & Rest., Reroof • 4567 Bella Dr. $5,549 Durabull Roofing, Reroof • 42 Puma Path, $16,817 Bison Bldrs. & Assoc., Inc., Deck • 6292 Roundup Butte St, $22,782 JTS Const. LLC, Bsmt. Finish • 515 Melvin M Cr. $1,196 Homeowner, Deck • 7985 Glenside Dr. $7,500 First Genl. Svc. of Co Spgs, Int. Remod. • 15630 Softwood Rd. $2,000 Kc's Const., LLC, Int. Remod. • 2402 Strickler Rd. $21,539 Bonnie Built Homes & Remod. LLC, Bsmt. Finish Remod. • 2402 Strickler Rd. $4,000 Bonnie Built Homes & Remod. LLC, Porch • 15175 Thornbird Ct. $1,000 Bare Tub & Stove Co., Woodstove • 3625 Needles Dr. $10,000 Tri-lakes Roofing, Reroof • 4995 Braeburn Wy. $25,760 El Paso Green Energies, Pv Solar Flush Roof Mnt. • 3132 Lees Ln. $33,600 El Paso Green Energies, Pv Solar Flush Roof Mnt. • 957 Salmon Pond Wy. $33,017 St. Aubyn Homes, LLC, Bsmt. Finish • 7425 Stinson Dr. $27,441 Old World Const., Inc. Reroof • 7734 Dutch Lp. $24,315 Aspen View Homes, Bsmt. Finish • 3260 Birnamwood Dr. $5,500 A-1 Roofing, Reroof • 2980 Rhapsody Dr. $6,160 Solomon Bros. Roofing, Reroof • 1413 Lehmberg Blvd., $750 Homeowner, Stairs & Garage Door • 4570 Hollyridge Dr. $3,333 1st Priority Roofing, LLC, Reroof • 8521 Dry Needle Pl. $31,427 Keller Homes Inc. Bsmt. Finish • 2232 Red Edge Hts, $1,500 Saddletree Inc., Add Window/door • 1242 Rushmore Dr. $5,000 Buffalo Bldrs., Inc. Reroof • 2570 Wimbleton Ct. $7,699 Trafton Roofing & Repair Svc., Reroof • 5164 Fennel Dr. $5,623 Barlo, Inc. dba Interstate Roof., Reroof • 7357 Liberty Bell Dr. $6,500 First Genl. Svc. of Co Spgs, Reroof • 5650 Saddle Rock Rd. $6,500 Rest. Colo., Inc., Reroof • 6356 Mesedge Dr. $12,000 Dl & Jm Ents. Inc. Dba All About Roofing, Reroof • 2615 Glen Arbor Dr. $8,600 Divine Roofing, Inc., Reroof • 5436 Keyglen Ct. $5,000 Crossing Jordan Dev. Inc., Int. Remod. • 515 W Tyler St, $6,000 X-cel Rest. Inc., Reroof • 1385 Shadberry Ct. $1,800 Western Elements, New Door • 402 N 33rd St, $4,000 Western Elements, New Windows • 4270 Danceglen Dr. $28,000 Colo. Living, LLC., Encl. Patio • 15 W Moreno Ave, $900 Johnson Cstm. Reno., Reroof • 13 W Moreno Ave, $700 Johnson Cstm. Reno., Reroof • 1352 Commanchero Dr. $900 Johnson Cstm. Reno., Reroof • 112 Palisade Cr. $25,000 Homeowner, Int. Remod. & Deck • 18585 Arrowwood Dr. $20,000 Riverwood

Kevin Patterson attends invitationonly event for top luxury Realtors NEWSWIRE

Kevin Patterson of The Patterson Group joined over 120 top real estate professionals serving the upscale residential market who converged in Denver (CO) for The Institute for Luxury Home Marketing’s annual Leaders in Luxury (LIL) conference. According to Patterson, the exclusive event is a once-a-year, invitation-only educational and networking opportunity for real estate professionals who handle million and multi-million dollar homes and estates. “This prestigious conference provides cutting-edge information on what’s happening in the luxury market segment, offers insights on best practices in the business, and creates valuable networking opportunities,” said Patterson. “I come home with information and marketing ideas to help me deliver superior service to my clientele.” “Leaders in Luxury attendance is limited to proven professionals in the luxury home niche,” said Laurie Moore-Moore, Founder of The Institute for Luxury Home Marketing, the event

host. “This gives LIL attendees the opportunity to build an exclusive network of contacts focused on the upscale residential industry, while sharing ideas with best in the business. Since competency is the key to working successfully with the luxury buyer and seller,” added MooreMoore, “LIL is designed to provide attendees with important knowledge and insights, giving them a competitive edge in meeting the needs of the very affluent.” Leaders in Luxury’s keynote speakers included London-based George Betz, a director of The International Real Estate Federation, United Kingdom and a member of Fine & Country, a real estate organization with 275 brokerage locations outside North America. Other keynotes included noted film producer Curt Hahn, founder of Nashville-based FilmHouse and Jennifer Yosowitz, COO of Audio-One, a Florida based international home automation company. Numerous top luxury

agents from the U.S. and Canada participated in presentations and panel discussions. Kevin Patterson has sold almost 100 Million dollars worth of El Paso County residential real estate in the last two years. The Leaders in Luxury conference is an annual event. For information, visit www.LeadersinLuxury.com or contact The Institute for Luxury Home Marketing at 214-485-3000. About The Institute for Luxury Home Marketing (ILHM) ILHM is an international training and membership organization for real estate professionals who work in the luxury home market. The Institute awards the Certified Luxury Home Marketing Specialist designations, which is the official designation for many national and international real estate brands. Find information on live and online training at www. LuxuryHomeMarketing.com or by phone 214-485-3000. 

Homes of Colo., Int. Remod. • 4855 Garden Trl. $9,155 Western Roofing Specs., Reroof • 12591 Handles Peak Wy. $8,500 The Homestead Grp., Inc., Porch Cover • 3820 Rosemere St, $1,800 Homeowner, Reroof • 4011 Breaking Dawn St, $6,500 First Genl. Svc. of Co Spgs, Reroof • 1035 Norwood Ave, $16,200 Fortune Homes, Int. Remod. • 3465 Muirfield Dr. $3,214 Homeowner, Deck • 4926 Hawk Meadow Dr. $16,971 Homeowner, Bsmt. Finish • 6510 E Wicklow Cr. $1,500 Tko Design & Const, LLC, Reroof • 311 Sutherland Pl. $7,325 Homeowner, Deck • 3950 Wakefield Dr. $22,500 Lianro Metal Roofs, Inc., Reroof • 3032 W Platte Ave, $15,160 Old World Const., Inc. Reroof • 2507 Legend Ter. $5,720 Pyramid Roofing Corp, Reroof • 868 Descendant Dr. $4,000 N. Murphy Const. Inc., Reroof • 7050 Medicine Bow Ave, $7,027 N. Murphy Const. Inc., Reroof • 231 Quebec St, $7,000 N. Murphy Const. Inc., Reroof • 4865 Santiago Wy. $4,000 Heckman & Son's Const., Int. Remod. • 1819 N Cascade Ave, $31,182 Holladay Grace Roofing, Inc., Reroof • 229 Elmwood Dr. $7,846 Pro-tech Roofing Systs., Reroof • 3119 Brenner Pl. $7,951 Homestead Roofing, Inc. Reroof • 4433 Centerville Dr. $25,153 Properkey, Bsmt. Finish • 1201 Westmoreland Rd. $4,000 Cricket Roofing LLC, Reroof • 19 Friendship Ln. $2,800 Western Fireplace Supply Inc. Woodstove • 3857 Reindeer Cr. $1,495 Challenger Homes, Inc., Deck Landing & Stairs • 4850 Hawk Meadow Dr. $29,721 Homeowner, Bsmt. Finish • 5820 Corinth Dr. $5,000 Prime Cos. Inc Dba Pci Const. Svcs, Reroof • 5923 Santana Dr. $5,000 Prime Cos. Inc Dba Pci Const. Svcs, Reroof • 5379 Fiesta Ln. $3,000 J&D Lathe & Stucco, Stucco • 17710 Shiloh Pines Dr. $11,000 Homeowner, Pv Solar • 565 Lindstrom Dr. $5,000 Jd Vigil Home Svcs., Reroof • 7368 Theresa Dr. $6,241 Homeowner, Deck • 3170 Arena Rd. $10,000 Highlands Roofing, Inc., Reroof • 17529 Old Cherokee Trl. $5,300 Homefix, Int. Remod. • 1622 W Cucharras St, $2,250 Home Town Roofing, Reroof • 5085 E Cliff Point Cr. $120,000 Kiva Const., Inc., Addn./remod. • 1149 Peterson Rd. $4,700 Tuff Shed Inc., Shed • 2231 E Peacemaker Ter. $14,721 Precision Siding & Const. Co, Siding • 1223 Dream Lake Ct. $4,700 Homeowner, Bsmt. Finish • 8210 Lythrum Dr. $5,500 First Genl. Svc. of Co Spgs, Reroof • 1820 Old North Gate Rd. $18,000 Roofcraft Inc., Reroof • 670 Maroonglen Ct. $17,000 Shaun Chapin, Reroof • 4135 Danceglen Dr. $7,519 Horn Bros. Roofing, Inc., • 619 Custer Ave, $5,400 Aim High Roofing LLC, Reroof • 13620 Gymkhana Rd. $6,735 A B Service Inc., Reroof

• 1015 N Corona St, $22,000 Trafton Roofing & Repair Svc., Reroof • 2403 Zane Pl. $17,000 Tri-lakes Roofing, Reroof • 411 E Cache La Poudre St, $4,715 Front Range Roofing Co., Reroof • 4145 Los Ranchitos Dr. $5,686 Best Hands Roofing, Reroof • 16107 Falcon Hwy, $35,000 Bear Creek Design/build, LLC., Int. Remod. & deck • 12345 Snaffle Bit Rd. $4,561 Durabull Roofing, Reroof • 1408 E Pikes Peak Ave, $4,000 McWilliams Roofing, Inc. Reroof • 4620 Brant Rd. $4,200 J.R.B. Ents. Inc., Reroof • 40 Grand Ave, $9,440 Old World Const., Inc. Reroof • 6381 Zermatt Dr. $1,200 T Anthony Const., Deck • 9892 Palisade Ridge Dr. $5,600 T Anthony Const., Deck • 6278 Cabana Cr. $8,000 Empire Roofing Systs., Inc., Reroof • 624 W Cheyenne Rd. $16,000 Empire Roofing Systs., Inc., Reroof • 1314 Hermosa Wy. $8,000 Eddie Meredith Const., Inc., Deck • 6345 Hannah Rose Rd. $31,889 Jackson Homes LLC, Bsmt. Finish • 3580 N Curtis Rd. $7,500 All Things New Roofing, Reroof • 7116 Buckoak Ct. $6,505 Homeowner, Bsmt. Finish • 6734 Shimmering Moon Ln. $5,000 Crossroad Bldrs. Inc. Bsmt. Remod. • 2070 Heathercrest Dr. $4,597 Triton Roofing, Reroof • 17115 Lovaca Dr. $3,000 Champion Window Co. of CS, Int. Remod. • 7064 Alcove Springs Dr. $4,452 Homeowner, Bsmt. Finish • 6345 Tuckerman Ln. $1,735 Homeowner, Bsmt. Finish • 1205 Maxwell St, $3,200 Homeowner, Reroof • 512 Argus Dr. $200 Homeowner, Bathroom Remod. • 5208 Monarch Crest Wy. $35,388 Vantage Homes Corp., Bsmt. Finish • 2845 Hunters Glen Rd. $50,219 Innovative Exteriors, Bsmt. Finish • 6903 Prairie Wind Dr. $6,548 Aspen Roofing, Inc., Reroof • 1148 Dream Lake Ct. $5,087 Aspen Roofing, Inc., Reroof • 621 Dexter St, $6,300 Divine Roofing, Inc., Reroof • 5256 Escapardo Wy. $8,000 Divine Roofing, Inc., Reroof • 523 N Weber St, $8,000 Divine Roofing, Inc., Reroof • 825 Sahwatch St, $8,900 Divine Roofing, Inc., Reroof • 6145 Northwind Dr. $8,500 Divine Roofing, Inc., Reroof • 709 Cooper Ave, $5,000 Divine Roofing, Inc., Reroof • 3 Loma Linda Dr. $16,000 Divine Roofing, Inc., Reroof • 6 W Cheyenne Mtn. Blvd., $33,500 Divine Roofing, Inc., Reroof • 1160 Dancing Horse Dr. $10,200 Pinnacle Peak Cstm. Homes, Reroof

RESIDENTIAL GARAGES AND CARPORTS

• 6760 S Yoder Rd. $27,723 Tuff Shed Inc. Det. Garage • 17875 Black Squirrel Rd. $45,244 Gold Rush Constr & Bldg Co, Det. Garage 

Sunday, Feb 1, 2015

The Gazette · springshouses.com

SH 3

THE MORTGAGE PROFESSOR:

How to write a letter to a lender BY JACK GUTTENTAG

THE MORTGAGE PROFESSOR

Q: I am downsizing by purchasing a smaller home that will be my primary residence. Because I do not have my existing house on the market, the lender I approached to finance the purchase has asked me for a letter describing my reasons for the purchase. I intend eventually to sell my current primary home, but for now, I will most likely rent it to a friend for some time. What should I include in my letter that would satisfy this lender? A: In pricing loans used to purchase a home, lenders distinguish three possible uses of the property. Mortgages used to purchase a house that the purchasers intend to occupy as their primary residence get the best price. The presumption is that borrowers who encounter financial difficulties will exert the greatest effort to stay current on their mortgage if the home in which they reside is at stake. Mortgages used to purchase a vacation or second home will

be priced a little higher because second homes are viewed as having a lower priority to the borrower. Mortgages used to purchase a house that the borrower intends to rent out as an investment are viewed as the riskiest of all, and will carry the highest price. You intend to occupy the smaller home as your permanent residence, and therefore you should get the best price. Because you do not intend to sell your current house, however, the lender wants assurance that you have no intention of using the newlypurchased house as a second home or an investment. A letter explaining your need to downside and your intention to rent your current house should provide adequate assurance. Note, however, that in qualifying for the new mortgage, retention of your existing home will raise the bar for documenting both income adequacy and asset adequacy. The lender will calculate a debt-payments-to-income ratio that

includes the payment on your existing mortgage as well as the payment on the new mortgage. In most cases, lenders cap this ratio at 43 percent. While you may generate rental income from your existing house, the lender won’t include it because it hasn’t happened yet. Further, since you will be making payments on two mortgages, the lender will want you to have liquid assets that will cover both payments for six months or so instead of the two months that is normally required when there is only one mortgage. Before finalizing your decision not to sell your existing house, therefore, I would make sure you can qualify for the new mortgage. Q: I recently completed a Federal Housing Administration streamline refinance, or thought I did. Shortly after the closing, I got a call from the mortgage company telling me that FHA won’t insure the loan because it did not

include the upfront mortgage insurance premium in the loan balance. The firm to which they sold the loan is requiring them to buy it back, which evidently they have the right to do. The mortgage company now owns an uninsured loan that it can’t sell, and it wants me to refinance it into two loans, one a second mortgage, that it can sell, at no cost to me. Am I obliged to do this? A: No, you are not. Your loan is a done deal and you have no obligation to rescue the lender from the consequences of its own mistake. However, you can be a nice guy and offer to go along, provided the new mortgage (or mortgages) leaves you at least as well off as you are now. But making a determination that one mortgage package is as good as another when the packages differ in interest rate, points, other loan fees, and mortgage insurance can be difficult. Because I am curious as to what they

will come up with, I am willing to do this analysis for you. Your chances of getting an advantageous deal will rise if you tell the lender that I will do the analysis — but only one time. Q: I refinanced a mortgage I had with Lender A through Lender B — or rather I thought I did. All the requirements were met, the closing was executed at my home by a notary, to whom I gave a check for $418. But several weeks later I discovered that the old loan had not been paid off. Despite numerous phone calls, I was not able to get an explanation from anyone at Lender B, except that the last person I spoke to there told me that the refinance would have to be done over … What should I do? A: What you shouldn’t do is refinance again with Lender B. What you should do is to contact the notary agent and request the $418 be returned immediately. In addition, write a letter of complaint to the Consumer Financial

US pending home sales tumble in December BY JOSH BOAK

THE ASSOCIATED PRESS

WASHINGTON — Fewer Americans signed contracts to buy homes in December, a sign that low mortgage rates have yet to coax more buyers into the market. The National Association of Realtors said Thursday that its seasonally adjusted pending home sales index fell 3.7 percent last month to 100.7. The index ended the year below its 2013 average. But the Realtors project sales of existing homes will rebound in 2015 to 5.26 million, a 6.6 percent increase from last year. Pending sales are a barometer of

future purchases. A one- to twomonth lag usually exists between a contract and a completed sale. Jim O’Sullivan, chief U.S. economist at High Frequency Economics, said that there may have been some volatility due to the seasonal adjustments applied to a winter month when sales normally slow. “(T)he trend in home sales is probably still up,” O’Sullivan said, noting that more people identified “now” as a good time to buy a house in the University of Michigan consumer sentiment survey.

Lackluster wage growth and rising home prices stifled buying for much of 2014. This caused the share of Americans who own homes to dip to 64 percent at the end of last year, down from 65.2 percent a year ago, the Census Bureau reported Thursday. Still, the affordability pressures should ease in 2015 due to strong job gains in recent months coupled with falling mortgage rates. Rates for 30-year mortgages averaged 3.66 percent this week, down from 4.32 percent a year ago, according to the mortgage firm

Freddie Mac. The drop has made it less expensive for buyers to borrow, enabling them to either save on monthly payments or afford larger and more expensive homes. Strong job growth over the past year should help contribute to income gains and real estate sales. The unemployment rate has plunged to 5.6 percent from 6.7 percent a year ago, as employers added nearly 3 million jobs last year, according to the Labor Department. While average wages have basically kept pace with inflation, the job growth has increased

the number Americans with paychecks — which may spur more home sales this year. Construction firms still expect growth this year, although their enthusiasm has waned slightly. The National Association of Home Builders/Wells Fargo builder sentiment index fell slightly this month to 57, down one point from a revised reading of 58 in December. Despite the decrease, any reading above 50 indicates that more builders view sales conditions as good rather than poor. 

4SH

The Gazette · springshouses.com

Sunday, Feb 1, 2015

Featured Houses Featured Home of the Week

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Classic Homes in Meridian Ranch 10483 Mt Columbia Drive | $294,900

1-866-632-NEWS

Neighborhood: Meridian Ranch Driving Directions: This home is sold from Classic’s model home. I-25, exit #149 at Woodmen. East on Woodmen, past Powers. North at light on Meridian Rd. East on Londonderry Dr. North on Rainbow Bridge Dr. East on Mt Columbia Dr. Right on Mt Lincoln Dr. and model is on the right. Agent/Company: Carolyn Crowley, Classic Homes 719-494-1101, www.classichomes.com The Vail is a 3,430 sq. ft. 2-Story plan offering 4 bedrooms, 2.5 baths, 2-car garage, 10x18 deck off nook, and 10x10 patio off basement rec room. Hardwood floor on most of main level. Expanded kitchen includes built-in desk, designer uppers, slab granite countertops, and stainless steel appliances. Un-finished walk-out basement with 1-foot taller ceilings. 8,958 sq.ft. home site. MLS #6116805

Featured Home of the Week Classic Homes in The Village of Verona 1908 Turnbull Drive | $639,900 - Available Now!

Neighborhood: Flying Horse Driving Directions: I-25 to Northgate Blvd Exit #156; East on Northgate; Right on Silverton Rd; Right on Silver Rose Dr; Left on Turnbull; 1908 Turnbull Drive is on the left corner! Agent/Company: Classic Homes, 719-495-7297, flyinghorse@classichomes.com

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The 4,614 Stratford Model home is a rancher located on 16,590 sq. ft. lot is fully landscaped and has stucco & stone exterior, a welcoming front porch, and an expanded covered rear patio. It offers 5 bedrooms, 4 baths, and 3-car garage with service door. Kitchen includes large island with pendant lights, canned lighting, upgraded cabinets with undercabinet lights, upgraded granite countertops with tile backsplash, stainless steel undermount sink, and stainless steel appliances. Custom drapes and rods come with this builder model home! And, Social Fitness Membership in The Club at Flying Horse is also included!

Featured Home of the Week

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10882 Glen Canyon Dr. | $329,600 Neighborhood: Meridian Ranch Driving Directions: Right on Meridian Rd off of E Woodmen Rd. Right on Londonderry Dr, left onto Meridian Ranch Blvd, left onto Sunset Crater Dr, 1st right onto Greenbelt Dr, 1st left onto Glen Canyon Dr Agent/Company: Lenka Martin, 719-205-5248, LenkaMartin.com For more info: LenkaMartin.com/HomesforSale 5bdrms/3Baths/3 Car Garage/ 3499 sq ft Open floor plan with hardwood floors throughout the main living areas. Spacious kitchen with generous pantry, and bar stool tops. This home offers main level living with 3 bedrooms, 2 bathrooms, and laundry on the main floor. Large master bedroom w/adjacent 5 piece bathroom (soaking tub, stand-alone tiled shower), and walk out to a rear patio. Spacious finished basement provides 2 additional bedrooms, 1 bath, large living and entertaining areas, and tons of storage. Stucco, AC, fireplace and much more! MLS#4746185

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More Open Houses Open House of the Week MUST SEE IN FLYING HORSE! 13056 Fisheye Dr. | $533,900 Neighborhood: Flying Horse Open House: Sat 1/31 & Sun 2/1 – 10am to 4pm Driving Directions: I-25 to Northgate Rd; East on Northgate; Right on Old Northgate Rd; Right on Pride Mountain Dr. Right on Spy Valley Rd.; Right on Fisheye Dr. Agent/Company: Vantage Sales, LLC, 719-418-3260

4 Bedrooms / 3 Bathrooms / 3 Car Garage / MLS #4248763 Brand new, award-winning ranch plan located on 15,981 sq. ft. walkout lot on cul-de-sac in Flying Horse! This home offers a large covered rear deck, kitchen with expansive island and granite slab countertops and a large recreation room in lower level. Social Fitness Membership in The Club at Flying Horse is included with this home!

PALMER DIVIDE RD. Sunday, Feb 1, 2015

105

The Gazette · springshouses.com

SH 5

Pikes Peak New Homes 105

HIGBY RD.

HODGEN RD.

2 SHOUP RD.

KISSING CAMELS & CATHEDRAL RIDGE 3310 Mesa Road

FS PK WY . AU ST IN

BL UF

• Custom-Semi Custom Homes • Energy Star 3.0 Certification • Nine Exceptional Floor plans Available • Diverse Selection of Home sites – View Lots and Golf Course Lots now available.

RO N

24 WOODMEN RD.

Come Visit Our New Model Home!

Amazing standard features • Best value in the area

INVENTORY HOMES AVAILABLE NOW! 12455 Black Hills Dr.

(in The Estates @ Meridian Ranch)

719.963.7983 / 303.881.2345 www.majesticcustomhomes.com

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• Parade home winners since 2006 and 2014 People’s Choice Award

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85 87

ST.

MARKSHEFFEL RD.

POWERS BLVD.

CIM

FILLMORE ST.

NEVADA AVE.

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Gated Westside Neighborhoods

I did a quick mock-up of what Mike we would Woelkelike to do for our ad on the builder p 719.623.2669 weekend. I noticed that some of the ads have the image across the top instead Gate Access) upper left corner, so this should(Forwork. Please send a proof of the ad. Thanks!

VOL LM

Hi Lori,

BURGESS RD.

Air Force Academy

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BLACK FOREST RD.

ROLLER COASTER RD.

EASTONVILLE RD.

Monument

719.598.8900

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DRENNAN RD. ST. AS EG

SV LA

• • • •

2 13 Security

Desirable Wolf Ranch 3BR, 2½ Bath, 2 Car Garage $187,000 - $229,900

115 New Townhomes in District 20

8989 Meadow Rose View • Award Winning Builder East on Research past Powers, • 3 Floor Plans including left on Grand Cordera Parkway Main Level Master Sales Office on your left • JMWestonhomes.com 719-571-9737

• Custom & Semi-Custom Homes • Any location, style, size, or price • Building custom homes for the most satisfied clientele in the Pikes Peak region – Find out why!

FONTAINE BLVD. Village at Falcon “A New Neighborhood” Widefield Value Added Features: • Adjustable floorplans

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Ranch Style floorplans from the low $200’s 11405 Neutra Grove

852 New Plans 87from the High

$100s SQUIRREL CREEK RD.

Award Winning Custom Homes • Visit us in the Lodge at Cathedral Pines - 13977 Milam Road • Saturday through Wednesday 10-5 (12-5 on Sunday) • www.Alliancebuilders.com

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Robert Harasimowicz 719-338-9089 www.masterbilt.com

Fountain

Fort Carson UEBLO OLD P

Highest quality construction with exceptional detailing and amenities are standard with a home built by Oaksbury, Inc. Custom Home Builder in Colorado Springs for over 23 years.

Mark Davis 719-338-3116

New Lots Available in Settlers Ranch. Highway 83, east on Hodgen Rd. to Timber Meadow Dr. Turn left.

• 30,000 square foot recreation center with pool • Miles of paved hiking and biking trails • Neighborhood parks and playgrounds

A Golf & Recreational Community

Models 25 open daily until 6pm

signs to builder models.

www.MeridianRanch.com

Kingsbridge Available Now with Views! 7164 Jagged Tree Circle $399,988 Open Sat & Sun 1-4 Kelly Price 719.650.1778 Kelly@VanguardNewHomes.com

Location: From Woodmen Corridor, South on N. Marksheffel Rd., East on Vista Cerro Ave., North on Vista Del Pico Blvd., North on Wonderland Trail, West on Tahoe Rim Dr., North on Jagged Tree Circle

A low A low maintenance maintenance community community connected connected by by green green spaces spaces andand walking walking paths, paths, justjust minutes minutes from from downtown. downtown. Charming Charming architectural architectural styles andand floor floor plans plans thatthat fit any fit any lifestyle. lifestyle. 11styles

LIFE SIMPLIFIED. LIFE SIMPLIFIED.

Aaward-winning lowaward-winning maintenance community connected by green spaces and A low maintenance community connected by green spaces and Featuring Featuring 4 local, 4 local, builders: builders: minutesCharming from downtown. Charming architectural walking paths, justwalking minutespaths, from just downtown. architectural CreekStone, CreekStone, Hi-Point, Hi-Point, JM JM Weston, Weston, and Vanguard Vanguard Homes. Homes. styles and plans thatand fit any lifestyle. styles and floor plans that fitfloor any lifestyle.

• Open Concept 2 Story Plan • 3 Bed, 2.5 Bath, 3 Car Garage • Wow, radius staircase with wrought iron railing! • Loft accompanies a Balcony with Spectacular Views! • Plenty of room to grow in the unfinished basement with 9’ ceilings! • Across from a Park and Green Space! • Desirable Banning Lewis Ranch

• We have 1/3 to 1 acre lots available • Award winning designs • Homes starting at $325,000

www.gjgardnerfalcon.com REIMAGINE YOUR REIMAGINE YOUR 719.495.8800 DREAM LIFE LIFEHOME. SIMPLIFIED. SIMPLIFIED. DREAM HOME.

HANOVER RD. 9

Winner 2013 People’s Choice (Parade of Homes)

• Antler creek Golf Course and CreekView Grill North on Woodmen Rd., east on • New homes from the low Londonderry Dr. and follow the $200s to the $500s

Hand Crafted Custom Homes by OAKSBURY, Inc. 4330 Settlers Ranch Rd. Settlers Ranch

10851 Glen Canyon Drive Model Open Mon-Sat 10-5, Sun 12-4 or by appointment

REIMAGINE REIMAGINEYOUR YOUR DREAM DREAMHOME. HOME.

RD.

115

Quality and Affordable Custom Homes

• Model Home-“Upgrades” already included • Main Level Living with Private Master Suite • Loft overlooks Great Room • Open Concept 2 Story • 3 Bed, 2.5 Bath, 2 Car Garage • Desirable Gold Hill Mesa-Close to Trails, Downtown, and Parks

Vanguard’s Model Home Available for Quick Move In! 1585 Gold Hill Mesa Drive

$356,988 Location: From Cimarron, South on Open Sat & Sun 1-4 21st, East on Gold Hill Mesa Dr. Kelly Price 719.650.1778 Kelly@VanguardNewHomes.com

Featuring 4 local, award-winning builders: Featuring 4 local, award-winning builders: • •Townhomes Townhomes from from thethe $180s $180s to $230s to $230s and and REIMAGINE YOUR CreekStone, Hi-Point, JM Weston, and Vanguard Homes. CreekStone, Hi-Point, JM Weston, and Vanguard Homes. single single family family homes homes from from thethe $260s $260s to $500s. to $500s. DREAM HOME. • Townhomes theand $180s to $230s and • Townhomes from the $180s tofrom $230s LIFE SIMPLIFIED.

single homesto from thespaces $260sand to $500s. single family homes fromfamily the $260s $500s. A low maintenance community connected by green walking paths, just • •Models Models open open daily. daily. minutes from downtown. Charming architectural sytles and floor plans that fit any lifestyle. LIFE SIMPLIFIED. A low maintenance community connected by green spaces and Featuring 4 local, award-winning builders: • Models open daily. paths, just minutes from downtown. Charming architectural • Models open daily. CreekStone, Hi-Point, JM walking Weston, and Vanguard Homes styles and floor plans that fit any lifestyle. • Townhomes from the $180s. Single Family Homes from the $260s. Featuring 4 local, award-winning builders: CreekStone, Hi-Point, JM Weston, and Vanguard Homes. • Models open daily.

WWW.GOLDHILLMESA.COM WWW.GOLDHILLMESA.COM WWW.GOLDHILLMESA.COM WWW.GOLDHILLMESA.COM • Townhomes from the $180s to $230s and single family homes from the $260s to $500s.

INFO@GOLDHILLMESA.COM 719.633.2202 719.633.2202 INFO@GOLDHILLMESA.COM INFO@GOLDHILLMESA.COM 719.633.2202 719.633.2202 INFO@GOLDHILLMESA.COM • Models open daily.

WWW.GOLDHILLMESA.COM 719.633.2202

INFO@GOLDHILLMESA.COM

To Feature Your New Home Inventory on this Map Call 476-1642

YourCareer

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Sunday, Feb 1, 2015

FEATURE:

Hostile boss? Be hostile right back, study says BY KATE ASHFORD  FORBES

Not everyone loves their work. Seven out of 10 employees either despise their jobs or are totally disengaged, according to a Gallup poll. Another one in 10 are totally dissatisfied with their boss or immediate supervisor. NO ONE LIKES A BOSS WHO’S A JERK. But what about the supervisor who’s really antagonistic to his employees— yelling, mocking them and telling them their ideas are stupid? What’s the best way to handle the situation? BE HOSTILE RIGHT BACK, SAYS A NEW STUDY FROM OHIO STATE UNIVERSITY. The study found that employees who retaliated against hostile bosses felt less like victims and had less psychological distress and greater job satisfaction than those who did nothing. “Before we did this study, I thought there would be no upside to employees who retaliated against their bosses, but that’s not what we found,” said Bennett Tepper, the study’s lead author and professor of management and human resources at Ohio State University’s Fisher College of Business, in a press release.

The study was done in two parts. In the first part, respondents answered questions for two surveys that were seven months apart. The first survey asked people how often their supervisor did hostile things, such as “My supervisor ridicules me” and “My supervisor tells me that my thoughts and feelings are stupid.” The survey also asked how often employees struck back by doing things such as ignoring their boss or making only a half-hearted effort to do what their boss requested. Seven months later, the same respondents answered questions about job satisfaction, commitment to the company, psychological distress and negative feelings. In the end, boss hostility without employee retaliation caused people to feel less committed to the employer, more depressed, and less satisfied at work. But when people were hostile back to their bosses — termed “upward hostility” in the study — the exchange didn’t affect them negatively. This was interesting, of course, but what then? Were employees initially happy about their boss payback and later fired? Demoted? Assigned to a desk in the basement? The researchers

decided to run a second set of surveys — three this time — to figure this out. These three surveys were completed three weeks apart from each other. The first survey contained similar questions as the previous first survey — about downward and upward hostility. The second survey asked whether employees identified themselves as victims at work, and measured their feelings of negativity. And the third survey measured job satisfaction, commitment to the company, psychological distress, and career outcomes. RESULTS: As upward mobility increased, so did career satisfaction and career expectations. They were also less likely to identify themselves as victims, and experienced less psychological distress. How’s that, you ask? It may be that workers who stand up for themselves impress their colleagues and feel better about their work. “We have respect for someone who fights back, who doesn’t just sit back and take abuse,” Tepper says in the release. “Having the respect of co-workers may help employees feel more committed to their organization and happy about their job.” 

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COMPANY DRIVER Gibson is expanding and has

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CenturyLink™ delivers advanced technologies and solutions with honest and personal service. This is why we need motivated individuals like you! Whether You’re:

Selling LIFE-CHANGING SOLUTIONS Building LIFE-CHANGING SOLUTIONS Running LIFE-CHANGING SOLUTIONS Our unifying principles ensure Every Experience Matters and Every Person Matters! CenturyLink offers: • Outstanding compensation!

Assistant Managers, Service Assistant Managers, Customer Service Associates, Associates, Store associates, AllCustomer shifts, Colorado Springs, CO Subway Artists SubwaySandwich Sandwich Artists Feb. 2, 10am-2pm, Colorado Springs Training Ctr. 102 S. Santa Fountain, CO 102 S.Cheyenne SantaFe, Fe, Fountain, CO 710 Meadows Road Qualified QualifiedCandidates Candidatesmust musthave have high highschool schooldiploma diplomaororequivalent. equivalent. Drug Drugtest testand andbackground backgroundchecks checks required. required. Great Greatbenefits benefitsinclude; include;Medical, Medical,Dental, Dental, Vision, Vision,Company CompanyMatch Match401(K), 401(K),Kroger KrogerStock Stock Purchase PurchasePlan, Plan,$3000 $3000tuition tuitionreimbursement reimbursement and andCompany CompanyPaid PaidLife LifeInsurance. Insurance.

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Isn’t it time to experience the CenturyLink™ Difference for yourself? Please visit:

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Sunday, Feb 1, 2015

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SH 7

SCHOLARSHIPS for for adults adults (you). (you). Not based Not based on on high high school school grades. grades.

877-498-1018

CollegeAmerica CollegeAmerica *Scholarship awards are limited & only available to those who qualify

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Recruiting for

the

BEST!

Are you seeking a sales consultant opportunity to earn more than $80K a year? We know that our training and your determination can equal success.

The 3 location, 4 brand, Bob Penkhus Automotive Group is actively recruiting for professional sales consultants. We are a true, legacy dealership known for our Colorado roots and generosity to both customers and staff. Our career path includes comprehensive training in up to 4 distinct brands: Volvo, Mazda, VW and Mitsubishi. Our successful associates are self-motivated, self-directed, customer focused and possess a unique balance of listening skills, problem solving and a positive demeanor. We are in a period of expansion. We welcome candidates from a variety of backgrounds who are eager to support our loyal customer base. We offer innovative marketing and a team approach for personal growth and development. We also offer a complete benefits package to include wellness, medical, dental and 401k. Please email us to set up a tour and appointment:

Dedwards@bobpenkhus360.com

We welcome your interest and questions.

MANAGEMENT TRAINEES WANTED! McCoy’s Building Supply, a fourth-generation, family-owned retailer of building supplies, is now accepting online applications for Management Trainees for our Management Development Program, slated to begin in April 2015.

LOOKING FOR A CAREER, NOT JUST A JOB?

MANAGEMENT TRAINEES WANTED!

The Management Development Program at McCoy's prepares qualified

candidates to function as Retail Assistant Storeretailer Managers. Successful McCoy’s Building Supply, a fourth-generation, family-owned of building supplies, is nowwill accepting applications Management candidate(s) be hiredonline and assigned to for a local home store prior to the start of McCoy’s Building Supply, aDevelopment fourth-generation, family-owned retailer of building supplies, is Trainees for Management Program, slated to begin in theour training program. Candidates will then alternate between their home store now online applications Trainees forthe ourcompletion Management DevelApril accepting 2015.and McCoy's Headquartersfor in Management San Marcos, Texas, until of the opment Program, slated to begin in April 2015. training program, which lasts approximately 18 weeks. At the completion of the The Development Program at McCoy’s candidates to function The Management Management Program at McCoy's prepares qualifiedqualified trainingDevelopment program, candidates will apply for prepares promotion to Assistant Manager at any as Retail Assistant Managers. candidates who are hired for the Program who candidates to functionStore as Retail AssistantSuccessful Store Managers. Successful of our retail locations where there are Assistant Manager vacancies. upply, a fourth-generation, family-owned retailer of are currentlywill living in Colorado will be relocation to a home store location in candidate(s) be hired and assigned to aprovided local home store priorassistance to the start of one of our program. 5 states of operation. the training Candidates will then alternate between their home store now accepting online applications for Management Successful candidates should: and McCoy's Headquarters in San Texas, until the completion of thestore location and McCoy’s relocated, candidates willMarcos, then alternate between their home agementOnce Development Program, slated to begin  Have proactive leadership skills including which prior lasts retail Headquarters in San Marcos, Texas, until completion ofexperience, the training program, training program, which lasts approximately 18 the weeks. At theand completion of the in approximately weeks. At completion ofexperience the training Manager program,atcandidates will apply for supervisory or management training program,18 candidates willthe apply for promotion to Assistant any promotion Manager atAssistant anyofofage our retail locations are Assistant Manager of our retail to locations there Manager Assistant Be where at least 23areyears and vacancies. be able towhere meet there McCoy’s driver eligibility vacancies

AGEMENT TRAINEES WANTED!

requirements

candidates elopmentSuccessful Program atshould: McCoy's prepares  Be able to relocate within the qualified company’s markets subject to their  Have proactive leadership skills experience, includingprior prior retail • Have proactive leadership skills andand experience, including geographical preferences as Retail or Assistant Managers. Successful retail supervisory supervisory orStore management experience management experience  at Beleast at least 23 a years of age andbebeable able meet McCoy’s McCoy’s to driver eligibility • Be 23to years of age and totomeet driver eligibility red and assigned local home store prior the startrequirements ofof the building Candidates who have prior experience and/or working knowledge requirements • Be able to relocate within the company’s markets subject to their geographical preferences materials or home-building industries are preferred, but not required. Candidates will then alternate between their home Be able to relocate within the company’s markets subject to store their Candidates who have prior experience and/or working knowledge of the building materials or geographical preferences arters in San Marcos, until thenotcompletion thefast-paced, hardhome-building are preferred, but required. If youindustries are Texas, interested in pursuing an opportunity of in this h lasts approximately 18 weeks. At theinknowledge completion of the retail building supply environment, apply onlineretail to building Job supply who have prior experience working of the building IfCandidates you are working, interested in pursuing anand/or opportunity this fast-paced, hard-working, #14-1359 at: materials orRequisition home-building industries preferred, but not required. environment, applypromotion online to Jobare Requisition #14-1359 at: didates will apply for to Assistant Manager at any where there Assistant Manager vacancies. If youare are interested in pursuing an opportunity in this fast-paced, hardhttp://www.mccoys.com/careers working, retail building supply environment, apply online to Job Requisition #14-1359 at: Drug, Background, and Driver Record screens required

s should: EOE, AAP, D, F, VA http://www.mccoys.com/careers leadership skills and experience, including prior retail Drug, Background, and Driver Record screens required management experience EOE, AAP, D, F, VA years of age and be able to meet McCoy’s driver eligibility

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