Real Estate 04/15/18 by Colorado Springs Gazette, LLC

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Sunday, April 15, 2018

SPOTLIGHT:

Building the Home That’s Right for You COURTESY OF SOLID ROCK CUSTOM HOMES

The Colorado Springs housing market is booming. Existing homes stay on the market, in many cases, for only a matter of hours; while it seems that new builds are in demand before the land can be developed. If you and your family are looking to build a home, it is important to understand the difference between the three types of home builds.

slightly to meet the home buyer’s needs. Depending on the builder, semi-custom homes typically offer a better-quality finish and building materials, with a little more flexibility in design and selection options when compared to production homes. However, the increase in quality and choices directly correlates with an increase in cost, becoming a home in the mid-range price point.

PRODUCTION HOMES

CUSTOM HOMES

A production home is typically built utilizing a common selection of floor plans in neighborhoods that are built by largevolume homebuilders. In most cases the buyer will get to choose from a package or range of selections, based on budget and selected floor plan. The land which accommodates these builds is often near densely populated areas so tracts of land can be subdivided to support this type of construction. In some cases, all the homes in the community are built by one or a select few homebuilders that own the lots. Production homes provide value and cost-saving options for its buyers as they are built to cater to a variety of lower price points. The stock floor plans provide a hassle-free benefit to the buyer. The move-in time is generally quicker than a semi-custom or fullycustom build. However, there is much less flexibility in options, especially once the build is in progress.

SEMI-CUSTOM HOMES

A semi-custom home builder creates a home based on an existing set of floorplans which have been altered

A fully-custom home is truly unique and one-of-a-kind which is designed and built from scratch. The process of building a fully-custom home involves collaboration among the homeowner, custom builder, architect, design team, and financial party; with the buyer’s dreams serving as a driving factor in the design and construction. Custom homes are a great choice for buyer’s who have a taste for the extraordinary, value their personal style, and have more specific wants and needs for their family. A fullycustom home can offer three enormous benefits: quality, choice, and flexibility at an upper price point. A common question in regard to the types of new home builds is “what does it cost?” Typically, a production home builder (and some semi-custom builders) can estimate a cost per square foot early on in the sales process. This is due to the fact that these homes are built off a set of plans that have been built numerous times before. Fully-custom homes, however, are more difficult to estimate cost per square foot due to the fact that each set of plans are unique to each particular client.

In every case, the best way to estimate the cost of building your home is to speak directly with your desired builder. Your builder will discuss your needs and wants and the particular options that they offer.

Not sure which type of build is right for you? Here are a few tips that will help you in your home building decision process: Get your financial plan in place first, that way you know your budget and can accurately determine which type of build is right for you. Finance your home with a lender who has construction-loan experience. Look for a builder who has experience in the neighborhood where you want to live. Make sure they are knowledgeable about all permitting and zoning restrictions. Interview your home builder, the highest recommended builders are those who promote collaborative relationships with clients; particularly based on excellent communication and setting realistic expectations. Know your timeline. If you desire a fully-custom home, be prepared to participate in the decision making process as well as a longer build time. When building a fully custom home, select your builder as early in the process as possible. They will work with your architect to help avoid designing a home that won’t work on your lot or is out of your budget. If you don’t already own a lot for your custom home build, work with your builder or real estate agent/broker to

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find the land that’s right for you. Make sure your design is appropriate for how long you plan to remain in the home. Consider your family size and future needs as well. Building your home doesn’t have to be a stressful or intimidating process. Finding the type of build and the corresponding team that’s right for you will help you make the process exciting and fun. After all, there truly is no place like home.  Solid Rock Custom Homes is a locally owned and operated business in Colorado Springs that understands each home is a

pathway to helping their clients turn their dreams into reality. With Solid Rock Custom Homes, you can create the most unique, one-of-a-kind home that reflects the most important parts of you and your family. Starting from the $700’s (not including land), your home will be the most beautiful investment you’ll ever make for your family. If this is right for you call 719-494-0932 or visit www. SolidRockCustomHomes.com. For more fun tips on building your fully custom home follow “SolidRockCustomHomes” on Facebook.

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SH 2 ❘ THE GAZETTE ❘ SUNDAY, APRIL 15, 2018

Storm Season 2018: Most common weather-related claims are wind, hail & water NEWSWIRE

As the weather turns warmer, the chance for severe weather also heats up. In fact, big storms trigger more wind, hail and water damage claims than all other property claims combined. “Severe weather often generates a significant amount of property damage across large swaths of the country,” said Ken Enscoe, senior claims director for Nationwide’s Catastrophe Operations. “As we move into the spring and summer months, it’s important for people to be prepared so they can prevent damage.” Wind, hail and weather-related water

damage accounted for over half of all property claims filed in 2017, according to Nationwide claims data. An example of weather-related water damage is rain falling through a hole in your roof caused by a downed tree. Homeowners can take preventative measures to help reduce damage. Clear limbs and trim trees: During a storm, dead tree limbs can get loose and cause damage to a home’s exterior or even break a window. Heavy rains or high winds can also cause trees with shallow root systems to pull out of the ground.

Secure fences: Ensure that your fences are properly secured to help prevent them from being lifted up and thrown against the house by heavy winds. Secure furniture: Heavy winds can cause items like patio furniture and large toys to damage the exterior of your home. It’s a good idea to anchor outdoor furniture or bring it indoors before a storm hits. You should also move anything in your yard inside your house or garage to prevent it from becoming flying debris. Protect the critical areas: Wind is a

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the date of purchase. You can also send an inventory to a family member outside your region for safekeeping. Also, make sure important documents are stored in a safe deposit or fire-safe box. Know your policy: It’s critical to read and understand your insurance policy. Then, examine your property to ensure there are no physical or liability hazards. Do your homework on repair contractors: Ensure the contractor is licensed, insured and well-qualified. Consider taking advantage of a vetted network of qualified professionals. 

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major threat to your roof, windows, doors and garage doors. Consider building or hiring someone to build and install temporary protection, such as wind shutters or plywood on windows and coverings for patio and entry doors, strengthen and stiffen garage doors, and install heavy-duty door hardware. Protect your valuables: If possible, protect mementos in waterproof containers and/or take the items with you if you evacuate. Inventory valuables in the home with pictures or video. Note the approximate value of each item and

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FONTAINE BLVD. COMBINED NOTICE - PUBLICATION Widefield COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. CRS §38-38-103 FORECLOSURE SALE NO. EPC201800092 PKWY MESA RIDGE EPC201800059 To Whom It May115 Concern: This Notice is givTo Whom It May Concern: This Notice is given with regard to the following described en with regard to the following described 85 Deed of Trust: Deed of Trust: On February 2, 2018, the undersigned Public 87 RD. SQUIRREL On January 19, 2018,CREEK the undersigned Public Trustee caused the Notice of Election and Fountain Trustee caused the Notice of Election and Demand relating to the Deed of Trust deDemand relating to the Deed of Trust described below to be recorded in the County scribed below to be recorded in the County of El Paso records. of El Paso records. Original Grantor(s) Original Grantor(s) DEBORAH LABARR JOSEPH A ROTA and ROSALIND O. ROTA Original Beneficiary(ies) Original Beneficiary(ies) Mortgage Electronic Registration Systems, Fort Carson WELLS FARGO BANK, N.A. Inc. as nominee for MORTGAGE SOLUTIONS Current Holder of Evidence of Debt OF COLORADO, LLC, its successors and asU.S. BANK NATIONAL ASSOCIATION, AS signs TRUSTEE FOR BEAR STEARNS ARM TRUST, Current Holder of Evidence of Debt MORTGAGE PASS-THROUGH CERTIFICATES, PINGORA LOAN SERVICING, LLC SERIES 2004-8 25 Date of Deed of Trust Date of Deed of Trust December 10, 2014 May 21, 2004 County of Recording County of Recording El Paso El Paso Recording Date of Deed of Trust Recording Date of Deed of Trust December 11, 2014 May 28, 2004 HANOVER RD. Recording Information (Reception No. and/ Recording Information (Reception No. and/ or Book/Page No.) or Book/Page No.) 214114020 204088348 Original Principal Amount Original Principal Amount $185,345.00 $720,000.00 Outstanding Principal Balance Outstanding Principal Balance $177,445.37 $508,440.69 Pursuant to CRS §38-38-101(4)(i), you are Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the hereby notified that the covenants of the deed of trust have been violated as follows: deed of trust have been violated as follows: failure to pay principal and interest when failure to pay principal and interest when due together with all other payments produe together with all other payments provided for in the evidence of debt secured vided for in the evidence of debt secured by the deed of trust and other violations by the deed of trust and other violations thereof. thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LIEN. LOT 111, OAK VALLEY RANCH VALLEY FILING LOT 1, JRLBJN SUBDIVISION, COUNTY OF EL NO. 1, IN THE CITY OF COLORADO SPRINGS, PASO, STATE OF COLORADO COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 11035 Also known by street and number as: 2335 HOLMES ROAD, COLORADO SPRINGS, CO SILENT RAIN DRIVE, COLORADO SPRINGS, CO 80908. 80919. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE NOTICE OF SALE The current holder of the Evidence of Debt The current holder of the Evidence of Debt secured by the Deed of Trust, described secured by the Deed of Trust, described herein, has filed Notice of Election and Deherein, has filed Notice of Election and Demand for sale as provided by law and in said mand for sale as provided by law and in said Deed of Trust. Deed of Trust. THEREFORE, Notice Is Hereby Given that I THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wedneswill at public auction, at 10:00 on Wednesday, 05/23/2018, at Robert Russel Buildday, 06/06/2018, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado ing, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real propand best bidder for cash, the said real property and all interest of the said Grantor(s), erty and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness the purpose of paying the indebtedness provided in said Evidence of Debt secured provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items althe expenses of sale and other items allowed by law, and will issue to the purchaslowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided er a Certificate of Purchase, all as provided by law. by law. First Publication 3/25/2018 First Publication 4/8/2018 Last Publication 4/22/2018 Last Publication 5/6/2018 Name of Publication The Gazette Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INDATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREOR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN MENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTHE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE TECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. FORECLOSURE PROCESS. Colorado Attorney General Colorado Attorney General 1300 Broadway, 10th Floor 1300 Broadway, 10th Floor Denver, Colorado 80203 Denver, Colorado 80203 (800) 222-4444 (800) 222-4444 www.coloradoattorneygeneral.gov www.coloradoattorneygeneral.gov Federal Consumer Financial Protection BuFederal Consumer Financial Protection Bureau reau P.O. Box 4503 P.O. Box 4503 Iowa City, Iowa 52244 Iowa City, Iowa 52244 (855) 411-2372 (855) 411-2372 www.consumerfinance.gov www.consumerfinance.gov DATE: 01/19/2018 DATE: 02/02/2018 Thomas S. Mowle, Public Trustee in and for Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee By: Thomas S. Mowle, Public Trustee The name, address, business telephone The name, address, business telephone number and bar registration number of the number and bar registration number of the attorney(s) representing the legal holder of attorney(s) representing the legal holder of the indebtedness is: the indebtedness is: Courtney Wright #45482 Alison L. Berry #34531 McCarthy & Holthus, LLP 7700 E. Arapahoe JANEWAY LAW FIRM, P.C. 9800 S. Meridian Road, Suite 230, Centennial, CO 80112 (877) Blvd., Suite 400, Englewood, CO 80112 (303) 369-6122 706-9990 Attorney File # CO-18-804727-LL Attorney File # 17-017340 The Attorney above is acting as a debt colThe Attorney above is acting as a debt collector and is attempting to collect a debt. lector and is attempting to collect a debt. Any information provided may be used for Any information provided may be used for that purpose. that purpose. ©Public Trustees’ Association of Colorado ©Public Trustees’ Association of Colorado Revised 1/2015 Revised 1/2015

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201800098 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On February 6, 2018, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) AMANDA MARIE BOUERI Original Beneficiary(ies) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR MORTGAGE SOLUTIONS OF COLORADO, LLC, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt PINGORA LOAN SERVICING, LLC Date of Deed of Trust November 24, 2015 County of Recording El Paso Recording Date of Deed of Trust November 25, 2015 Recording Information (Reception No. and/ or Book/Page No.) 215128003 Original Principal Amount $240,562.00 Outstanding Principal Balance $233,775.12 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 21, FOREST MEADOWS FILING NO. 7A, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 7911 WAGONWOOD PLACE, COLORADO SPRINGS, CO 80908. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 06/06/2018, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 4/8/2018 Last Publication 5/6/2018 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 02/06/2018 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400, Englewood, CO 80112 (303) 706-9990 Attorney File # 17-017358 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201800048 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On January 17, 2018, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) RHONDA STEELE Original Beneficiary(ies) WESTAMERICA MORTGAGE COMPANY Current Holder of Evidence of Debt NATIONSTAR MORTGAGE LLC D/B/A MR. COOPER Date of Deed of Trust March 23, 1993 County of Recording El Paso Recording Date of Deed of Trust March 24, 1993 Recording Information (Reception No. and/ or Book/Page No.) 002273165 Book: 6140 Page: 1430 Original Principal Amount $50,000.00 Outstanding Principal Balance $52,680.55 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 10 IN BLOCK 4 IN VISTA GRANDE TERRACE FILING NO. 8, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 5387 DEL REY DRIVE, COLORADO SPRINGS, CO 80918. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 05/16/2018, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 3/18/2018 Last Publication 4/15/2018 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 01/17/2018 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street, Denver, CO 80204 (303) 3503711 Attorney File # 00000007281702 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201800037 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On January 12, 2018, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) FRANCISCO ROBLEDO Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., as nominee for CHERRY CREEK MORTGAGE CO., INC. Current Holder of Evidence of Debt CHERRY CREEK MORTGAGE CO., INC. Date of Deed of Trust February 24, 2016 County of Recording El Paso Recording Date of Deed of Trust February 29, 2016 Recording Information (Reception No. and/ or Book/Page No.) 216020283 Original Principal Amount $206,196.00 Outstanding Principal Balance $201,434.18 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 16 IN BLOCK 3 IN VISTA GRANDE SUBDIVISION FILING NO. 16, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4875 MEADOWLAND BLVD, COLORADO SPRINGS, CO 80918. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 05/16/2018, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 3/18/2018 Last Publication 4/15/2018 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 01/12/2018 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Deanne R. Stodden #33214 Messner Reeves LLP 1430 Wynkoop Street, Suite 300, Denver, CO 80202 (303) 623-1800 Attorney File # 7729.0126 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

SUNDAY, APRIL 15, 2018 ❘ THE GAZETTE ❘ SH 3

DESIGN RECIPES:

How to lighten, brighten your home this spring BY CATHY HOBBS, TRIBUNE NEWS SERVICE

Spring can be a time of transition in more way than one. Yes, the days are longer and brighter, but your home can be transformed as well. If you are looking for some ways to brighten and lighten your home this spring, here are some of our top tips.

1. Use lots of mirrors. Mirrors are a wonderful way to both bounce light as well as bring it in, especially in areas that may not receive a lot of natural sunlight. 2. Use bright colors that can mimic sunshine. In the warmer months, think

of using warmer colors as well. This is the perfect time to infuse colors such as yellow, red and orange. 3. Incorporate lighter tones as accents or even primary colors. Bright and bold too overwhelming for your space? Then think of using soft, soothing colors such as soft gray, white and powder blue. 4. Consider citrus colors such as green and chartreuse. When paired with softer, lighter colors, the effect can be one that is fresh, crisp and clean. 5. Bring the outdoors in. Now is a

wonderful time to bring in some outdoor elements inside the home. Whether it is greenery such as orchids and trees or branches and river stones, consider incorporating a bit of the outdoors to help to invigorate your home in an interesting way.

DON’T

1. Forget white is a color. So often white is ignored. It’s not only a great foundation color, but also a great accent color as well. 2. Forget your outdoor space is an extension of your home. Don’t make your outdoor patio, terrace, deck or

balcony a discarded space. Instead, now that the temperatures are warmer, be sure to use the space, while also making it feel cozy and inviting. Some ideas include incorporating lighting such as lanterns or torches as well as elements such as bright, festive outdoor area rugs and toss pillows. 3. Forget about curb appeal. Spring and fall are typically the busiest seasons for those in the landscape business and there is a reason why! Now that spring has arrived, now is the time to help ensure your landscape shows at its very best. Consider new plantings and other elements such as

fresh mulch. 4. Use colors that are overly dark and drab. If you are looking for ways to have your home feel light and bright, overloading your space with dark or muddy colors will hurt rather than enhance. While darker colors and tones can be used as accents, in this case, less is more. 5. Be afraid to use metallic accents and décor elements. Silver and brass remain two of the hot finishes right now and are the perfect way to bring elements that are bright and light into your home. 

Featured Open House

1389 Cresson Mine | $449,500

Neighborhood: Gold Hill Mesa Driving Directions: from I-25/exit 141. Make left at exit towards Hwy24. Left at 21st street, left at Lower Gold Hill Rd, Left at Millstream Terrace, Right on Cresson Mine. Agent/Company: Lenka Martin, (719)205-5248 For more info: Lenka@LenkaMartin.com

4 bedrooms & study/4 baths/2 car garage/ 3555 total sq f/ 3357 finished. Beautiful and well maintained two story home with finished basement, former John Laing model. Walk to rec center with gym, enjoy serene green spaces, and take advantage of the spa on premises. Three beds, two baths, and laundry on the upper level. Large master bedroom with two walk in closets and luxury 5 pc master bath - soaking tub, freestanding shower, and spacious double vanity. Secondary bedrooms share a bath. Finished basement with wet bar, additional bed and bath, rec room, and bonus nook. Open kitchen with adjacent dining nook features granite countertops, designer cabinets, cherry hardwood floors, spacious kitchen island with gas cooktop, dedicated pantry, and wall microwave/oven combo. Nice architectural details through. Centrally located with easy access to I-25, Hwy 24, Old Colorado City, downtown, Broadmoor, Cheyenne Mountain, Colorado College, Olympic Training Center, COS Airport, Fort Carson.

Featured Open House

Blackforest Main level living Ranch on 3.5 acres with 3 stall horse barn!

Come see this rare find in Broadmoor Mesa

11690 Round Table Court | $735,000

Hours: April 15th, Sunday 12:00 to 3:00 PM Driving Directions: From Woodmen and Meridian Rd go north on Meridian, left/west on Ayer, first left on Sir Galahad, first left on Round Table, the property is the left driveway at the end of the cul de sac. Agent/Company: Tammy Whalen, 719-492-0819 Homesmart Realty

2950 Shoreham Circle | $530,000

Hours: April 15th 1:00 to 4:00 Driving Directions: Go South on Nevada (Highway 115) to Cheyenne Mountain Blvd. Turn right to Shoreham Circle. Turn left on Shoreham and house will be on the right. Agent/Company: Nancy Syms, 719.338.3547 ERA Shields Real Estate

4,445 sq foot 4 bed, 3 bath. over sized 3 car garage. Gorgeous custom ranch with tons of amenities! Beautiful upgrades throughout such as 5” plank hickory floors, 42” hickory cabinets, all knotty pine doors, slab granite counters, travertine backsplash, Master suite walks out to deck. Walkout basement features family room w/ 13’ wet bar, gas fireplace, separate pre-wired theater room, 2 more bedrooms, full bath. Outside is a 3 stall barn w/ tack room, office & hay loft, greenhouse, pergola & gas fire pit, recirculation pond. Too much to list and a must see!

This is a one owner home designed specifically for the owners. The home boasts a contemporary appearance on the outside. Lots of good lines. Inside there is a mix of contemporary and some traditional features. The main level living room has a very high ceiling in a large space which is a great area of entertaining or relaxing in front of the real wood burning fireplace. The kitchen is complete with plenty of cabinets and a counter bar adjacent to a cozy dining area with a nice view to the backyard. The master has a walk-out to a nice deck overlooking the backyard with mountain views as well. In the basement find a large family room perfect for a theater room, exercise room, or just a place to lounge about. The backyard is fully landscaped and fenced. 3 Beds / 3 Baths / 2 Car Garage / 4,198 Total Sq Ft

Featured Open House

A Divine Redeemer DREAM

Builder Model Home – Available!

1032 Logan Place | $450,000

Hours: Sunday April 15,2018 1:00pm-4:00pm Neighborhood: Top O The Town Driving Directions: From Union, west on Unitah left onto Logan Place.. Agent/Company: Patten,Smith & Black, 719-453-8882 ERA Shields

Be prepared to fall in love as you walk in to this 4 bedroom, 3 bath home. The remodeled home for has a sleek & welcoming design.The open floor plan leads into a beautiful living room.The 2 solar tubes and wood burning fireplace adds to the comfort and splendor of the main level living. The kitchen is a chef’s delight with granite counter tops, stainless steel appliances, pantry, bamboo flooring & plenty of cabinets. A large dining room adjoins both rooms, perfect for entertaining. French doors lead out to the covered patio for warmer days and nights ahead. The master retreat has all of the amenities you could want. The master bath has an over-sized completely gorgeous tiled shower. The wall of closets holds all of your needs in a stunning sleek design. The 2 addition bedrooms are complemented with a bright & cheery full bathroom. As you retreat into the lower level the family room awaits. Enjoy TV, movies, game nights, and much more. The large family room has a wet bar convenient for entertaining. A large bedroom, full bath and LARGE storage/shop (15x49!) with a HUGE laundry room (9x10!) complete this level. Additional features added to this gem are: central air,2015 98% HE furnace, added installation to R49 and a radon system. Be the next lucky owners of this DREAM home.

3265 Excelsior Dr. | $479,474

Hours: Saturday & Sunday Noon-6pm Neighborhood: Briargate Driving Directions: From I-25, exit #151 at Briargate Parkway. Go east to Lexington, then Right (South) to Bordeaux Drive, Left to Excelsior Drive. Open House is at 3265 Excelsior Drive. Agent/Company: Cara Jones, 719-888-3533 Classic Homes

Low-maintenance paired-patio ranch style home in Lexington Crossing at Briargate. 3 Bedrooms / Study / 4 Bath / 2 Car Garage. Kitchen features maple fireside cabinets, quartz counters, and stainless steel appliances with gas range. Owner’s entry with mudroom bench and barn door at master. Includes gas fireplace and air conditioning. Finished walkout basement with wet bar, 2 bedrooms, 2 bathrooms and recreation room.

Careers

SH 4 ❘ THE GAZETTE ❘ SUNDAY, APRIL 15, 2018

How to job hunt when you’re unemployed BY KATE ASHFORD, MONSTER.COM

For a lot of people, it feels easier to find a new job when you’ve still got your old one. The research bears this out: In one study, employed people who are actively hunting for a job get more than half of the job offers on the table, versus unemployed workers who receive only 16 percent of job offers. What’s more, the offers were better for employed people. When you’re unemployed it seems so unfair that more jobs are going to people who already have a job, and you wonder how you can achieve the same magic that employed workers experience. When you’re out of work and feeling out of luck, try these strategies to buoy your job quest.

says. Take advantage of having more free time. “That mindset shift of, ‘Right now my job is to find a job, but I’m also improving my skills and keeping myself current and relevant,’” Warriner says. “It helps with that mindset of being unemployed.”

GET SOME HELP

KEEP IT POSITIVE

When you’re dealing with rejection — or simply non-response — for an extended period, it can be hard to keep your chin up. But drooping like the only person who hasn’t been asked to dance won’t do you any favors in interviews. Changing your mindset can help. View this process not as an endless job hunt but as an opportunity to find the best fit for yourself. “Knowing your individual selling points is huge,” says Jessica Hernandez, president and CEO of Great Resumes Fast. “It’s going to help you present yourself in the best light to each employer and to know what’s not a good fit for you.” Not only does that lend you some selfassurance in interviews, but it gives you the confidence to say ‘No thanks’ when it’s not the greatest offer. “You don’t have to just take whatever comes by,” Hernandez says. “You can be selective, and those rejections don’t deal quite as bad of a blow.”

VOLUNTEER

Keep your skills sharp by putting them to good use for a local nonprofit. “For me, as a recruiter, I’ve reached out to places like Catholic Charities

When job seeking is your only job, it can feel like a tough road. Here’s how to rally. or places that do resume reviews,” says Mary Warriner, a career coach in Niagara Falls, New York. “Find something in your niche.” It may also be possible to pick up temp work or consulting gigs in your field. “A lot of times these lead to permanent positions,” says Karen Tucker, owner of online interview coaching firm InterviewOne. Either way, your activities give you something to discuss in the same way you’d talk about a job you’re doing. It makes you seem

active and involved. “And it’s great networking, too,” Warriner says.

WORK ON YOUR WEAKNESS

Interviewers love to ask questions about your flaws: “What’s your biggest weakness?” or “What skill could you most improve upon?” Whatever your answer, here’s your chance to solve the issue. “Maybe there’s a technical skill that you feel you need to improve on,” Warriner

If you’ve been at it for a while and you’re not seeing results, it may be time to call in a professional. Sending out resumes and getting radio silence? Consider getting a resume review. Getting interviews but no offers? Get some interview coaching. “I think it helps to have an objective outside viewpoint,” Tucker says. This is especially important if the position you left was one you held for years. The way you communicate may be a habit that doesn’t play as well outside your old company. “Often you just don’t know what you’re actually saying or how it’s being taken … or you don’t have the right skills anymore.” Tucker says.

KEEP NETWORKING

It’s more important than ever that you stay in touch with people in your field — but it’s not about sniffing out job openings. It’s about building relationships. Have lunches. Go to industry events. Ask for advice. The more you’re around, the more you might spring to mind when people hear of a job opening. And as much as you can, stick to those who encourage you. “People get so down on themselves when they’ve been unemployed,” Hernandez says. “Find some positive career experts, positive people that you know. Run from the naysayers. It’ll help keep you positive, and you won’t feel desperate or like you need to jump at the first thing that presents itself.” 

The hostile work environment checklist: How toxic is yours? BY DANIEL BORTZ, MONSTER.COM

Workplace stress is hardly a phenomenon. But there’s a big difference between aggravating incidents and a full-blown toxic work environment. What is a toxic work environment? A toxic work environment is one wherein dysfunction and drama reign, whether it’s the result of a narcissistic boss, vindictive co-workers, absence of order, et cetera.

SIGNS OF A TOXIC WORK ENVIRONMENT

SIGN #1: YOU’RE CHRONICALLY STRESSED OUT Waking up every day and dreading going to work? You’re not alone. An international poll by Monster found that 42 percent of U.S. workers have left a job

due to an overly stressful environment. Furthermore, stress levels are often amplified when someone’s job eats into their personal time with friends and family, according to a 2017 Paycheck survey. SIGN #2: YOU’RE BEING OVERWORKED In a hostile workplace, employees are often overloaded with job responsibilities. Unfortunately, being overworked can lead to burnout and cause resentment: A survey from the Families and Work Institute found that 43 percent of employees experiencing high levels of feeling overworked say they feel angry toward their employers often or very often.

CARRIERS WANTED

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This is how to recognize a poisonous job situation and the steps to take in response. SIGN #3: YOU’RE BEING BULLIED The Workplace Bullying Institute defines bullying as “repeated mistreatment of an employee by one or more employees; abusive conduct that is threatening, humiliating, or intimidating; work sabotage; or verbal abuse.” While 61 percent of bullies are bosses, 33 percent of bullies are peers with the same rank as their targets, and a surprising six percent of bullies are subordinates, a 2017 survey by the Workplace Bullying Institute found.

problems without intervention. Rather than focusing on how someone’s behavior makes you feel, focus on the negative consequences of the person’s actions. For example, if a co-worker is consistently belittling your ideas during team meetings, you’d approach by saying, “I understand you want to offer feedback, but when you interrupt me, it makes it difficult for me get my ideas across to the team.”

SIGN #4: YOU’RE A VICTIM OF — OR CONTRIBUTOR TO — OFFICE GOSSIP “You didn’t hear this from me, but…” Stop right there — office gossip benefits nobody. Still, many employees spread rumors about co-workers, whether it’s done intentionally or unintentionally. Regardless of what side of the gossip fence you’re on, it can create a toxic workplace, which contributes to the poison circulating.

OPTION #2: CONFRONT WITH A TEAM If the direct approach is futile, you may have to get help from your superiors (assuming they’re not the problem) to resolve serious issues with coworkers. Before you request a meeting, there are a couple measures you should take. First, figure out if any of your peers are having similar problems — the more fellow victims you have, the more power you have. One or two representatives in addition to yourself should suffice. Second, gather hard evidence to prove your case. Compile emails that show times when this has happened and present what you have in the meeting.

SIGN #5: YOUR BOSS IS A HOTHEAD A toxic manager is someone who consistently hurts your self-esteem and routinely undermines your ability to put out good work. The concept of leadership clearly went directly over his or her head.

HOW TO DETOXIFY YOUR WORKPLACE

gazette.com/carriers

CALL

719.636.0342

OPTION #1: CONFRONT THE PERSON ONE-ON-ONE You should be able to resolve many interpersonal

OPTION #3: PLAN YOUR EXIT Some companies simply have a culture of dysfunction. If the toxicity is coming from the top down, you may be better off coming up with an exit strategy. 

SUNDAY, APRIL 15, 2018 ❘ THE GAZETTE ❘ SH 5 ACCOUNTING Cheyenne Mountain District 12

NOW HIRING!

Accounts Payable

Minimum starting pay 16.23/hr http://www.cmsd12.org/employ

EDUCATION

EDUCATIONAL MANAGEMENT ANALYST

Colorado Springs, CO. Reqs MBA and coursework in SQL & mngmnt & bus info systms. Conduct data analyses & prepare reporting for planning & policy formulation. Resumes: HR (Attn: PPCC-1) Pikes Peak Community College, 5675 South Academy Boulevard, Colorado Springs, CO 80906

ENGINEERING

DESIGN ENGINEER

Colo Sprgs CO. Hi-perf prod design; tech feasibility; product specs; design circuits; layout floor planning & guidance; lab evals & debug guidance; circuit improvement; report design results. MSEE or related + 2 yrs exp. More info or to apply: www.analog. com/en/about-adi/careers/job-search.html & search for Req ID # 10566 under Experienced Professionals. EOE M/F/D/V

General

GENERAL

LIFELINE HOME SERVICE REP Part time, $15.00/hr

Home installation, removal & servicing Philips Lifeline equipment. H.S. degree or GED rq’d. Some cllg & 6 mo exp installing personal emergency alarms, burglar alarms, or related eqpmnt prfd. Must have valid DL, reliable vehicle, clean record. Visit www.srda. org for app, please mail to SRDA, 230 N Union Ave, Pueblo, CO 81003. GOVERNMENT

LICENSING COORDINATOR

The Pueblo County Planning & Development Office seeks qualified applicants for a Licensing Coordinator. Work involves processing business, liquor and marijuana license applications, reviews technical, legal and commercial documentation for accuracy and consistency, assesses fees and explains county licensing rules, regulations and state statutes. Starting Salary $3,479 $5,248 per months. with benefits. Obtain REQUIRED PUEBLO COUNTY APPLICATION FORM and full job description on line at http://county.pueblo.org/ EEO Employer. APPLICATIONS CLOSE April 25, 2018 at 5pm

NOW HIRING!

Apply Online http://www.cmsd12.org/employ

BIOMETRICS R&D ENGINEER

Zwipe America, Inc. is currently seeking a full-time Biometrics R&D Engineer to be employed at the offices located in Colorado Springs, Colorado. The position of Biometrics R&D Engineer will participate in an innovative research and development team researching, creating, inventing and analyzing biometric data processing methods and algorithms. In addition, the Biometrics R&D Engineer will research sensor types, conduct testing, develop sensor control algorithms and participate in sensor selection. This position requires a Master’s degree or equivalent in Electrical Engineering, Computer Science, or a related field and 2 years related research experience in biometrics (in fingerprint, face, iris, or speaker recognition / verification). Must also have demonstrated ability (which may have been gained concurrently) and research in each of the following: (1) research experience or publications of algorithm development and software implementation in biometrics (Fingerprint, Face, Iris, or Speaker recognition / verification); (2) programming in C/C++, Python, MATLAB and a scripting language; (3) graduate level knowledge of image processing, and machine learning; and (4) graduate level knowledge of optimization, and probability theory / random variables. Will accept experience gained before, during or after Master’s program. Full-time position in Colorado Springs, Colorado. Please apply by sending your resume to info@Zwipe.com.

Adoption

Name Change

North West ESTATE SALE 2290 Orchard Valley SAT 8-2, SUN 8-12 Dining Furniture, Entertainment Center, Piano, Kitchenware & Table, Couches, TVs, Frames, Home Accents & Pottery, Master Bed, Bedroom Dressers, Lamps, Coffee Tables, Exercise Gym & More! Everything Must Go!