Home and Real Estate Weekly

LONGMONT TIMES-CALL | ARTS & ENTERTAINMENT MAGAZINE | SATURDAY, OCTOBER 8, 2011

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October 8, 2011

Nature by

Design

Create an energy efficient home

By Kendall Schoemann Longmont Times-Call

Oh the joys of winter: warm, crackling fires, sweet, festive aromas, soft, snuggly sweaters and your highest energy bill of the year. In preparation for the looming cold, a few home improvements done this fall can increase your home’s energy efficiency while simultaneously lowering winter energy bills.

Whether it is a quick purchase or an ambitious pursuit, every bit helps in creating a warm and cozy home this winter without the soaring costs.

pied space below,” he says. “Depending on the room and ceiling height, a lowspeed fan can help lower the thermostat without sacrificing warmth.”

Lighting A simple way to lower energy costs is to install more efficient light bulbs.

According to Gabriel Romero, an Xcel Energy Spokesman, a home’s lights account for 25 percent of its energy output.

“Replacing regular, incandescent bulbs with more efficient options can significantly reduce energy from light,” he says.

Light-emitting diodes (LEDs), which use a direct current, and compact fluorescent lamps (CFLs), which contain a small amount of mercury, are more efficient options for lighting.

Romero explains how to differentiate between the two bulbs.

“Although LEDs are by far the most efficient, they are not yet cost-effective in the short-term,” he says. “CFLs are the cheaper choice and are still much more efficient than regular bulbs.”

Proper disposal of a CFL bulb is essential in preventing harm from the small amount of mercury it contains. If a CFL bulb breaks, be sure to open the windows and dispose of the bulb at a recycling facility.

Appliances Appliances tend to be an overlooked energy contributor, because they are used so frequently. Although most appliances are expensive up front, modern appliances are incomparable to those from 10 or more years ago, according to Romero.

EnergySmart Program Manager Andy Mazal explains the technological advancements of appliances in recent years.

“Depending on how often an appliance is used, a household could save money on a new replacement in a couple of years,” he says. “Look for the EnergyStar label to ensure the high efficiency of an appliance.”

An EnergyStar certification indicates that an appliance has passed the strict energy efficient guidelines set by the Environmental Protection Agency and U.S. Department of Energy.

When deciding which appliance to replace, Mazal recommends investing in a new refrigerator first, as it constantly running.

According to Romero, an old refrigerator tends to find a new home in the garage or basement and holds excess food and drinks. He warns that the relocation could result in even higher energy costs.

“The old fridge is just as inefficient in the garage as it was in the kitchen,” he says. “And now the appliance is not in a climate-controlled environment causing it to work overtime in extreme temperatures.”

Ceiling Fan A simple trick to push heat down to a usable space of the room is through a ceiling fan. Although commonly used in the summer months, it can be effective in redistributing heat in the winter.

Mazal explains how a ceiling fan can control a room’s temperature.

“When programmed to spin clockwise at a low speed, the fan pushes warm air from the ceiling to the occu-

Insulation After simple improvements and replacements, the next step in creating a more energy-efficient home is insulation. It is important to seal a home’s exterior to ensure heat does not escape and unwanted air does not sneak in. Because all homes are different, an energy audit is the best way to determine a home’s individual energy report. According to Mazal, an audit essentially detects how

Summer Stair

Specialty Publications Editor sstair@times-call.com 720-494-5429

On the Cover

A palette of seaside colors, textures and materials transformed this room. (SHNS/HGTV)

Jade Cody

Specialty Publications Associate Editor jcody@reporter-herald.com 303-684-5275

much air is lost from the home per hour and where it is escaping from. Afterward, recommendations are made to improve the home’s efficiency.

Mazal explains the unique benefits of an audit.

“Even the most handy of homeowners can benefit from the highly accurate equipment,” he says. “In fact, in 95 percent of audits, a homeowner discovers something they didn’t know.”

Usually, holes in between interior walls and the attic, crawl spaces and basement walls are areas where heat and air escape undetected. Insulation is the top priority in keeping air in the home, according to Mazal.

“Insulating the attic tends to be the number one thing to do for the money with a house older than 10 years,” he says.

The wrath of winter tends to be met with roasting fire places, warm food and drinks and more time indoors, inevitably raising energy bills. The time to assess your home and consider energyefficient improvements is before the cold winter months.

“As a former auditor at Xcel Energy, I can tell you that peaks in energy bills are directly linked to the extreme weather of a location,” Mazal says. “And for us in

News and Press Releases

Boulder County, that is winter.”

Tricks to decrease water usage without sacrificing routines According to EnergyStar, water heating is the second largest energy expenditure after heating and cooling. To reduce a large chuck of your energy bill, try these tips lower the amount of water used without forfeiting comfort.

• Reduce water usage Energy efficient shower heads and faucet aerators use less water than regular ones, but they are also more pressurized so most people don’t notice a difference in their water habits. Look for the WaterSense rating or for a shower head below 2 gallon/minute and an aerator below 1.5 gallon/minute.

• Wash clothes with cold water According to Mazal, 90 percent of a washing machine’s energy goes toward heating the water. Washing clothes with cold water will cut that out that energy.

• Lower water heater temperature Most water heaters are installed with a setting of 140 to 160 degrees, which heats water to a scolding temperature that humans cannot tolerate. By lowering the temperature to 120 degrees, you can save energy and money.

Home & Real Estate Weekly welcomes news on hirings, advancements, awards, classes and other information of interest to the real estate and home community. Please submit information to the editor by e-mail, fax 303-774-8088 or mail to 350 Terry St., Longmont, CO 80501. The deadline is Monday at 5 p.m. the week of publication.

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Gardeners struggle to protect fall vegetables pumpkin pie. “This shall not stand,” he Once every decade, we host the exsaid, with outrage in his voice, and after tended family for Thanksgiving and this a brief, intense conversation on the govis the year they arrive to feast at our home. Like any gardener, I view this as a ernment frowning upon the use of nuclear devices in a crowded neighborway to show off the fruits of my garden, hood, we settled on chicken so planted delicacies that wire cages. shine in fall. Winter squash, parsnips, leeks and potatoes Exclusion with smallare getting fat with promise, mesh wire is a good way to nearing the time of harvest protect plants, and soon the and storage for the Novemgarden was dotted with ber gathering. cages as I attempted to safeguard all of the squash and But along with vegetables pumpkins. The fruits grew plumping for winter are the and became battle scarred squirrels, who’ve discovered Carol O’Meara with skin closing over the an all-you-can-eat-buffet in Colorado State wounds. We thought that our yard. Squash meant to University Extension surely our guests wouldn’t grace the table are falling mind eating slightly squirrelvictim to the rodent’s desire, gnawed squash, as long as we don’t along with decorative Jack-be-little and point out the tooth marks on the rind.

Batwing pumpkins. The single Red Warty Thing pumpkin is already a HalThe cages worked to a point, but we loween horror, its inside turned out, have very determined rodents; their orwith seed and pulp strewn about like a ange-smeared lips were a dead giveaway scene from a Quentin Tarantino film. that those cages weren’t snug against the soil. Low-crawling their way to the But when the beasts bellied up to the meal, the squirrels continued to assault Amish Pie and Winter Luxury pumpthe pumpkins, and the battle to save kins, they threatened the very fabric of what Thanksgiving means to my spouse: Thanksgiving took a desperate turn.

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Thwarted by the newly ground-secured cages, the animals clambered aboard, using the weight of their bodies to collapse the chicken wire against the squash. I added baffles to keep the cage aloft; they took it personally and started digging trenches past the wire.

The search for squirrel control turned up suggestions for repellents, with either hot pepper or predator urine. Both need to be reapplied after every rain or irrigation, and hot pepper might cause the fuzzy thief pain; I didn’t want to hurt the creatures and dousing my showcase meal with the predator product wasn’t what I wanted to serve to my mother.

So we tried a peace offering, giving them a kabocha squash. The slightly sweet Japanese winter squash is in demand by foodies who love soups on cool fall nights. Letting them dine on one wasn’t too much of a hardship, since the vine is vigorous, having run across the garden and up into the raised beds, where it set copious amounts of fruit.

Unfortunately, the kabocha didn’t appease the squirrels, and daily new damage was noted. Eventually a decision

was reached to harvest what was ready and protect what was left, which leaves the slow-growing winter luxury and enormous Amish pie pumpkins in the garden.

Despite our best efforts of caging, the squash kept being ravaged, puzzling us with how the furry thieves were managing it. Sitting sentry in the garden revealed the awful truth: slight cracks in the rind were slowly being opened, gnawed wide by tiny jaws. The squirrels had called in reinforcements, in the form of Yellow Jacket wasps. Those bugs love a sweet treat as much as we do.

At this point, a gardener knows what to do: Admit defeat, and hope that the pumpkins are nearly ripe enough for pie. We’ll harvest them all and bring them indoors, leaving the squirrels to raid a different garden.

Carol O’Meara is a horticulture entomologist with the Colorado State University Extension office at the Boulder County Fairgrounds in Longmont. Contact her by calling 303-6786238 or emailing comeara@co.boulder.co.us.

For more gardening tips, check out her blog at gardeningafterfive.wordpress.com.

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Contract contingencies for home sales

By Marcie Geffner bankrate.com

Fail. Fallout. Fall apart.

Bomb. Those are among the colorful phrases real estate agents use to describe home sales that do not close.

For buyers, a failed transaction might be disappointing.

For sellers, the implications can be more painful, especially if local home values are declining, says David Moody, a broker at ERA Sunrise Realty near Athens, Ga. “If you’re in a market where (prices) are declining 1 percent per month and your house is off the market for 30 days, you just lost 1 percent” of your home’s value, he says. “Sellers have an interest in keeping the process as short as possible.”

If a deal falls through because the buyer can’t or won’t close, the seller might feel entitled to compensation for having taken the house off the market and temporarily missed out on another possible sale, says Phyllis Yanagihara, a senior officer at Master Escrow in Glendale, Calif. That can trigger a dispute over the buyer’s earnest-money deposit.

“They always fight over it,” Yanagihara says.

Who wins depends largely on whether the deal collapsed within the parameters of a contract contingency. Common contingencies include the buyer’s financing, a home inspection and an appraisal.

“In most cases,” Moody says, “if the buyers ... stayed within their contingency rights, they’ll get their deposit back without any fight.” Otherwise, sellers need a good reason to put up a fight. “What you put in writing and how it’s stated is always very important.”

If the buyer walks away after all the contingencies have expired, the seller has a better shot at keeping the deposit.

State laws and local real estate practices can also affect what happens.

For example, in Southern California, where specialized escrow companies handle real estate closings, an escrow agent can’t disburse a deposit or other funds without written instructions signed by both the seller and buyer, Yanagihara says. In Georgia, where real estate attorneys supervise closings, either the buyer’s or seller’s real estate broker typically holds the deposit and can award it to the buyer or seller

according to contract terms, Moody says.

A seller might want to sue for monetary damages if a buyer breaches a contract. Such claims might be compromised if the contract contains an arbitration clause that bars a lawsuit or a liquidated damages clause that limits how much the seller can recoup. Yanagihara says she suspects many sellers initial such terms without fully understanding their ramifications.

Many states require real estate brokers or sellers to disclose material information about a home’s condition. If defects turn up during a home inspection and become a deal breaker for one buyer, those same flaws might have to be revealed to subsequent prospective purchasers.

“If we know something about the property,” Moody says, “we have to disclose it, and we tell the sellers that we have no choice. It could affect their pricing going forward.”

Sellers also can lose the opportunity to buy another home if the sale of their current residence falls through, says Carolyn Hastings, a broker associate at J. Rockcliff Realtors in

LBA

Blackhawk, Calif. Few sellers will accept the sale of the buyer’s current home as a contract contingency.

“Most sellers are waiting (to buy another house) until their house closes,” Hastings says.

“We have three renters for every house because sellers are moving into that market.”

Not all is lost just because one deal doesn’t close. The seller’s listing agreement with the realty broker typically continues until its own expiration date, giving the broker more time to find another buyer, Hastings says.

One exception: If the lender

forecloses and takes possession of the property after a failed short sale, the listing agreement between the seller and broker ends.

“One day, the bank says it’s over,” Hastings says.

After that, she says, the seller moves out and the lender relists the house for sale, usually with a different broker and at a lower asking price.

If a sale falls through and then the listing agreement ends, the seller can relist the house with the same broker, relist the house with a different broker, or take the house off the market.

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How to know if a refinance is worth it Q: I was trying to do a streamline refinance of my mortgage and was told that the lender can’t decrease the interest rate on my loan without changing the number of years left on my loan.

I have never refinanced since I bought my home in 2004. My interest rate is 5.37 percent. Can you please help me make a smart decision on handling this situation?

A: If you are trying to refinance your loan and have the ability to work with your current lender, you might obtain a change in terms for the better with little effort and paperwork. However, the terms your current lender gives you may not be as favorable as those you could get if you went out into the marketplace and found a new lender.

Your interest rate is quite a bit above the market right now. In many parts of the counIlyce Glink try, you can get a new 30-year conventional Tribune Media Services loan for about 4 percent and a 15-year loan for around 3.375 percent.

Having said that, if your property’s value has decreased substantially, you may not be able find a new lender to refinance your home loan. Your current lender may still offer to “streamline” refinance the loan, but you will have to evaluate the terms they offer to see if they are worthwhile.

Consider these factors: how much time you have left on your loan term, the amount you pay in principal and interest, whether the loan is adjustable, and what the fees will be if you refinance the loan.

The length of the loan is important. If you’ve had a loan for many years, you might not benefit much from refinancing unless your interest rate drops substantially.

With fixed rate loans, you pay mostly interest for the first 10 to 15 years of your loan. After that, your monthly mortgage payment is more principal and less interest. For this reason, if you refinance halfway during a 30-year loan and take out a new 30-year loan, you may feel that your lower payment is better for you, but you have added another 15 years of payments. That’s not saving you a dime.

If you do refinance midway during your 30-year loan and you compared what you currently pay with refinancing to a new 15-year loan, you’d have a better idea if your monthly payments will actually save you money over the long term.

Try to avoid refinancing solely on the basis of whether your monthly payment goes down — unless you’re in danger of losing your house or being unable to make your payments. Rather, compare what you would pay over the life of the new loan to what you would pay on your old loan to understand which loan product is better for you.

Lastly, you always have to look at the fees you will be charged. If the fees are quite high, you might not get as much from your new lower rate as if the fees are quite low.

In your case, you have the ability to see whether the lender is doing you a favor or not. If the new loan has a much lower rate, but the lender extends the term for a new 30-year loan, you still might be better off with the refinancing. You should consult an amortization table at a site like BankRate.com or eLoan.com to compare the new rate by changing the term to coincide with the end date of your current loan. The amortization table should tell you what your monthly payment should be to pay off your loan on the same date as your current loan would end.

If your new payment costs you more each month, it’s only worth refinancing if you’ll shave years off of your loan term.

Talk to your lender. You can run through the options and numbers and figure out whether you’re making a smart money move.

Nature by Design Candice Olson HGTV

I get some of my best inspiration from the great outdoors. Whether it’s the shade of a flower, the pattern on a leaf or the texture of a strip of bark, I’m a big fan of Mother Nature.

So I was particularly energized when Jane and Mark asked me to work on a project for them. The couple and their three children live in a lovely urban house by the lake, and all of them love the outdoors.

Their open-concept home has a great casual vibe, with a sandy-beach feeling. Their walkout basement, however, was another story — it had become a dumping ground for old furniture and castoffs. Jane and Mark needed more space and wanted to turn the unused lower level into a multipurpose family room. They just didn’t know where to start.

One of the most common questions I hear about design: ’’Where do I start?’’ The answer: ’’Start with what you love.’’ Since Jane and Mark love the beach, I decided to use a natural design approach to bring harmony and function to their basement, with a rustic, earthy feel. So I chose a gorgeous coastal palette of warm woods, deep browns, rich blues and pebbled grays.

I started by painting the walls a soft, warm gray. We tore up the old broadloom carpet and replaced it with a cork flooring with a windswept texture.

This was a family room that had to function on three levels. Mark and Jane wanted a kitchen area to handle holiday overflow and summer barbecues. They also wanted a mudroom space for the kids’ sports gear. And all of them wanted a lounge where they could watch TV. My challenge was to create three different zones in the one space and tie them together.

Off to one side I created a U-shape compact kitchen area and installed a long gray counter-

This U-shaped compact kitchen boasts a deep sink, built-in microwave, Shaker-style cabinetry and a stunning backsplash of glass and stone tile. (SHNS/HGTV)

top with a beautiful deep sink, a built-in microwave, lots of Shaker-style cabinetry and a stunning backsplash of glass and stone tile. I also brought in a full-sized fridge/freezer combo, an oven and created an eating area with counter stools.

Next to the kitchen I placed the new mudroom that leads out to the backyard. I added a built-in bench along the wall and tall storage cabinets to conceal shoes, boots and other items. I chose a lovely autumn slate for the mudroom floor, which not only can take heavy traffic but fits in well with my nature-inspired theme.

On the other side of the basement, I created the media room, which includes a charcoal-colored comfy sectional, a mid-tone zebra-wood coffee table and a rustic aged leather chair. I had fun creating additional seating by adding a

few rocklike stools. They look like the real thing, but are actually made of wool so they’re soft and comfortable.

In front of the sectional there’s a big, new flat-screen television flanked by floor-to-ceiling cabinetry. But what gives the whole space visual punch is a huge, stunning graphic photo mural of a rustic beach scene that I had installed on the wall beside the sofa.

Throw in more artwork, lovely baskets, lamps and other accessories, and this beach-inspired family retreat was finally ready. Using a palette of seaside colors, textures and materials, I transformed Jane and Mark’s basement from dark and scary to light and airy — simply by going back to nature.

Interior decorator Candice Olson is host of HGTV’s ’’Candice Tells All.’’ For more ideas, information and show times visit www.HGTV.com.

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Boost resale value by accessorizing existing home features Resale value matters, whether your home is on the market now or your plans to sell are several years in the future. Whenever you make improvements to your home, you should keep the resale value of those improvements in mind, real estate experts advise.

Accessorizing existing features can be a more cost-effective alternative to making major improvements when your home is on the market.

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Dashing Decks Great outdoor spaces are attractive to buyers. But if your deck or patio is drab or in need of repair, what should be a selling point can turn into a detriment in the eyes of potential buyers. Sprucing up outdoor spaces is a low-cost way to make the most of this key selling point.

After you’ve given everything a thorough cleaning, look at cosmetic fixes and accessories that will make the space look more appealing. Built-in seating and planters are among the hottest deck trends this summer, and adding a few to your deck will cost a lot less than building a new one.

Spectacular Skylights Today’s no-leak skylights can be a strong selling point for your home. Skylights provide natural light without compromising privacy, can help with ventilation, and help reduce de-

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Whether it’s adding window box planters to the facade, or either manual or automated blinds to a skylight, accessorizing is a great way to increase the value of existing home features.

If you’re willing to spend a little money in order to (hopefully) make more money, here are some ideas for enhancing your home’s existing selling points by adding some great accessories:

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pendency on artificial lighting sources. If you already have a skylight – in the bathroom, kitchen or elsewhere in your home – accessories can help boost its appeal for buyers.

Fantastic Fireplaces A fireplace can be an asset – if it inspires potential buyers to envision themselves curled up in front of it with a steaming mug of tea on a wintry night.

But if your fireplace is more likely to make buyers think of cleaning and renovation, you’re not getting the full value out of this much-desired home feature.

Start by making sure your fireplace is clean, whether it’s wood-burning or gas-powered.

For gas-powered fireplaces, installing a blower that directs heat into the room can greatly enhance the unit’s effectiveness and appeal. Next, consider the cosmetics. For wood-burning units, you might add an attractive (and functional) screen, decorative andirons or a fireback, and shiny new tools. Gas units can get a boost that’s both practical and luxurious by creating a new mantel or improving an existing one, and adding a remote control.

Accessorizing can help you make the most of features your home already has – and ensure both you and your potential buyers fully appreciate all your home’s assets.

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Homes for Sale

House for sale, very clean 4 bedrooms, one of which could be used as an office or a large hobby room, and 2 car garage.

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Homes for Sale

Home 5007 Mobile For Sale

Home 5007 Mobile For Sale

2002 Mobile Home in Eagle Crest Park, 28x52, 3 bdrm, 2 ba, jacuzzi tub, A/C, $55K, 303-772-1498

I WILL MOVE YOUR HOME FOR FREE! LOT RENT STARTING@ $199

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1268 N. Cleveland Ave, Lvld. Zoned R3e Great high traffic loc! $224K 970-420-3495 for particulars regarding this one-of-a-kind Queen Ann property.

Brand New Home!! $69,900

**Special One** Only Tri-level with 3 bedrooms, 3 baths, 2 car garage, available now with owner! in Longmont,

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Townhomes/ 5003 Condos for Sale

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market

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Below $206,001....Do not have to wait for “other“ approval. Call

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Loveland Reporter-Herald RH Weekly

BOULDER 2 br 1 ba Sunny, townhouse, 1-car gar, Great condition, Mtn views, City of Boulder affordable unit in desirable Wellman Creek - new paint, floors, updates! $158,000, (303) 284-6144.

End Unit, Pasture View

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Commercial Real Estate

2 Adjoining 2100+ SF comm/industrial condominiums in Lafayette. Can be combined to 4400 SF, MMJ allowed. #1- 800 SF fin, 3 ofcs + recep w/ 1300 SF warehouse. #2- 480 SF fin, 2 ofcs + recep w/ 1620 SF warehouse.

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Homes for Rent

1BR Apt in N Longmont 62 or older or persons w/disabilities Call for move-in Specials 303-485-5232 2 BDRM, 1 BA ranch, N/S, N/P, 2 car gar, A/C, frpl, $985+ dep, Sr disc. 303-746-9395 3bdrm, 1.5 ba util rm, A/C, screened porch, ovr sized dbl gar w/ lg lot. No pets/ smokers. $1400 720-334-0765

6000

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2, 3, 4 Bedroom Homes 1293 Trail Ridge, 4716 Bella Vista Dr 10694 Upper Ridge, 2628 Danbury Dr, 2401 Atwood 303 Mumford 695 Glenarbor Cir 48 Placer Ave 37 Meredith Lane 1965 Carr Ct 453 Verdant Call PMP 303-776-RENT 3BR, 2BA Close to Great Schools & Park.

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3 BR Homes Firestone/Frederick 11406 Ebony St 824 Catalpa 7174 Canyon Way Call PMP 303-776-RENT 420 MARTIN ST 4 bdrm, lge carport, clean! Fncd yd, w/ storage. $1250. Sec 8 ok. 720-371-4624 4 BDRM, 2 BA Chalet Style House, 2 car gar, schools, fenced yard, sprinklers, $1495 OR $1095 w/ good refs.

Avail 10/15 1334 19th Ave Rent w/ Option to Buy Avail Call 303-776-7528

901 S. PRATT PKYWAY 4br, 2ba, bsmnt, 2 car garage, pets neg $1350 no smoking 303.709.1180 Cabin 2BR + office + loft. Huge covered deck near Bldr/ Lgmt $1150/mo. 1 yr lease.

303-522-8312 Owner/Broker Cabin 2BR + office + loft. Huge covered deck near Bldr/ Lgmt $1150/mo. 1 yr lease.

303-522-8312 Owner/Broker

6000

Homes for Rent

Quiet, Country Living in Frederick. 3BR, Updated, Pets OK, Garage, $1100, Avail 11/1. 516-984-8922

6000

Homes for Rent

RENT to OWN

3BR 2.5BA $1395/mo 866-810-1446 ex1021

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No refund for early cancellation.

Real Estate Transactions are supplied by Prospects Unlimited Inc., www.prospectsunlimited.com, 303-979-9536.

Longmont • Marilyn Schuster from Debra Bickle, 1138 Olympia Ave Unit E, Longmont, $165,000, condo • Shaun Ross from Kleven Bingham, 1631 Mountain Dr, Longmont, $420,000, home • Outreach Center from Brekke Holdings LLC, 220 Collyer St, Longmont, $960,000, home • Stephanie Daniel from Nathan Hentges, 729 Independence Dr, Longmont, $180,900, home • Vincent & Stephanie Dis from High Country Ventures LLC, 1317 Dogwood Ln, Longmont, $138,000, home • Karin Swanson from Kristyprospect LLC, 1801 Kristy Ct, Longmont, $342,000, home • Carolyn & John Anders from Lennar Colorado LLC, 1720 Trevor Ct, Longmont, $238,000, home • Success Inc from Francis McKinney, 50 19th Ave Unit 1, Longmont, $90,000, condo • Rostislav & Zuzana Pavlik from Larry Palm, 2746 Falcon Dr, Longmont, $360,000, home • Greg & Amy Payne from Wells Fargo Bank NA Trustee, 1859 Donovan Dr, Longmont, $114,000, home • Brandt & Katharine Campbell from WFASC 2005 A3, 1922 Kristy Ct, Longmont, $531,000, home • Sandor & Stephanie Demosthenes from Lorraine Wichern, 2151 Sand Dollar Cir, Longmont, $460,000, home • James Guay from Scott Woodrum, 331 Vivian St, Longmont, $350,000, home • Scott & Renee Waller from 3d Ventures LLC, 1193 Twin Peaks Cir, Longmont, $350,000, home • All Ll from AG Properties LLC, 1009 Confidence Dr, Longmont, $132,300, home • Matthew & Rebecca Manes from Jesse Bartusek, 1111 Button Rock Ct, Longmont, $317,500, home • B & Eileen Smith from BC Creekside LLC, 1893 Caleta Trl, Longmont, $378,800, home • Chad & Ridley Stearman from Songvit Setthachayanon, 1623 Red Mountain Dr, Longmont, $247,000, home • Kyle & Christina Lynn from Justin Young, 2120 Medford St, Longmont, $223,000, home • Connie Buswell from James Brown, 1136 Twin Peaks Cir, Longmont, $470,000, home • Glorioso Villegas from Federal Home Loan Mortgage Corp, 921 Herman Pl, Longmont, $149,000, home • William & Zahra Geiling from Jeanine Figur, 2120 Ridgeview Way, Longmont, $470,000, home • Charles Berardi from Michael

Howanitz, 4124 Riley Dr, Longmont, $260,000, home • Michael & Jane Mardis from Samuel Patterson, 128 Canadian Crossing Dr, Longmont, $261,000, home • Dennis & Renee Loewen from Fannie Mae, 160 Great Western Dr Unit F1, Longmont, $129,900, condo • David & Sheryl Wagner from Wilbur Fischer, 2627 Elmhurst Cir, Longmont, $229,500, home • Eliberto & Abigail Mendoza from Habitat For Humanity St Vrain, 1713 Spruce Ave, Longmont, $177,900, home • Donald Kammerer from Shawn Mapel, 10676 Butte Dr, Longmont, $151,000, home • Christopher & Tammy Demattio from Arman Nolledo, 4120 Portofino Dr, Longmont, $613,000, home • 1100delawared LLC from Parrish Properties Ii LLC, 1100 Delaware Ave Unit D, Longmont, $162,500, condo • Sally Stinevillani from Adriann Spinato, 804 Summer Hawk Dr Unit 1302, Longmont, $123,000, condo Berthoud • Resident from Shirley Stell, 880 Bunyan Ave, Berthoud, $225,000, home Dacono • Nicholas & Jocelyn Guillot from GMAC Mtg LLC, 500 Elizabeth St, Dacono, $148,000, home • Roderick & Vickie Rexrode from US Bank, 208 Sunset Ln, Dacono, $140,000, home Erie • Robert & Maureen Beavin from Ethel Melton, 8012 Morningside Dr, Erie, $379,000, home • Steven Szady from Nikolaus Namba, 286 Sanders Cir, Erie, $215,000, home • Courtney & Sarah Strong from Gary New, 1665 Leyner Dr, Erie, $240,000, home • Jeanne Dorweiler from Chari Buell, 1390 Banner Cir, Erie, $295,000, home • Mike & Dumsile Williams from Terri Evenstad, 1479 Serene Dr, Erie, $430,000, home • Ryan & Melissa Brooks from Terry Malerba, 804 Lawson Way, Erie, $460,000, home • Ethel Melton from Greta Terrasas, 1026 Village Cir, Erie, $274,000, home Firestone • Donald & Ruth Claeys from James Phelps, 10335 Cherryvale St, Firestone, $227,000, home • Dave Hansen from Great Northern Properties LLP, 10818 Cimmarron St Unit 3-308, Firestone, $170,000, condo • James & Arika Hoscheit from Fannie Mae, 5861 Mt Shadows Blvd, Firestone, $258,000, home • Stephen & Kimberly Salber from JJ Construction Northern Colo LLC, 9628 Buffalo St, Firestone, $257,700, home

Fort Lupton • Jason & Nita Lingerfelt from Linda Catledge, 18247 County Road 22, Fort Lupton, $190,000, home • Michael & Missyanne Long from Anna Heinritz, 512 Beth Ave, Fort Lupton, $151,000, home Frederick • Robert & Elaine Vanham from James Moores, 5745 Hickory Cir, Frederick, $210,000, home Platteville • Gary Curtis from Deutsche Bank Natl Trust Co, 425 Stevens Cir, Platteville, $105,000, home Foreclosures – notice of election and demand • Borrower: Charles Wilson, Lender: Denise Stramel And Keith A Buderus, Amount: $217,511, Property: 213 Wark Ave, Berthoud, Filed: 09/27/11 • Borrower: Rex & Noelle Coulthard, Lender: Bank Of America NA Successor, Amount: $186,885, Property: 650 Elizabeth Street Cir, Dacono, Filed: 09/23/11 • Borrower: Michael & Laura Brandes, Lender: Deutsche Bank National Trust Company, Amount: $252,595, Property: 5822 Twilight Ave, Firestone, Filed: 09/23/11 • Borrower: Joe & Linda Cooper, Lender: Elevations Credit Union, Amount: $243,868, Property: 5341 Bowersox Pkwy, Firestone, Filed: 09/28/11 • Borrower: Carlos Cisneros, Lender: Wells Fargo Bank National Association, Amount: $195,951, Property: 4943 County Road 37, Fort Lupton, Filed: 09/26/11 • Borrower: Laura Thomas & Laura Close, Lender: Wells Fargo Bank NA, Amount: $187,501, Property: 5735 Prairie Cir, Frederick, Filed: 09/26/11 • Borrower: George Rusk, Lender: HSBC Bank USA NA As Trustee, Amount: $194,854, Property: 7481 Hickory Cir, Frederick, Filed: 09/28/11 • Borrower: Golden Adams, Lender: Bank Of America NA Successor, Amount: $174,975, Property: 1809-1811 Antero Dr, Longmont, Filed: 09/26/11 • Borrower: Daniel & Kimberly Lovegrove, Lender: Colorado Housing And Finance, Amount: $169,788, Property: 1208 9th Ave, Longmont, Filed: 09/23/11 • Borrower: Jenny Crehore, Lender: Colorado Housing And Finance, Amount: $168,664, Property: 1008 Rose St, Longmont, Filed: 09/23/11 • Borrower: Kyle & Heather Hester, Lender: JPMorgan Chase Bank National Association, Amount: $215,758, Property: 616 Baker St, Longmont, Filed: 09/28/11 • Borrower: Tammy Hutsell, Lender: Flagstar Bank FSB, Amount: $155,410, Property: 308 Sugarbin Ct, Longmont, Filed: 09/28/11 • Borrower: Susan Wigham, Lender:

JPMorgan Chase Bank National Association, Amount: $127,176, Property: 3614 Oakwood Dr, Longmont, Filed: 09/28/11 • Borrower: Jack Pease, Lender: Deutsche Bank Trust Company Americas, Amount: $205,771, Property: 740 Bluegrass Dr, Longmont, Filed: 09/28/11 • Borrower: Leslie Wade, Lender: Citimortgage Inc, Amount: $223,967, Property: 1023 Morning Dove Dr, Longmont, Filed: 09/26/11 • Borrower: Justin Fike & Aymee Bullington, Lender: Deutsche Bank National Trust Company, Amount: $209,675, Property: 937 Sparrow Hawk Dr, Longmont, Filed: 09/26/11 • Borrower: Patricia & Stewart Moss, Lender: First National Bank Of Omaha, Amount: $323,374, Property: 9248 Hills View Dr, Longmont, Filed: 09/27/11 • Borrower: Harold & Wendy Haas, Lender: Wells Fargo Bank NA, Amount: $192,576, Property: 305 Harvest St, Longmont, Filed: 09/28/11 • Borrower: Connie Senna, Lender: The Bank Of New York Mellon, Amount: $111,824, Property: 10411 Butte Dr, Longmont, Filed: 09/26/11 • Borrower: John & Sandra Cogdill, Lender: Wells Fargo Bank NA, Amount: $158,091, Property: 829 Atwood St, Longmont, Filed: 07/22/11 • Borrower: Gloria Arenales & Elisa Marquez, Lender: Wells Fargo Bank NA, Amount: $161,150, Property: 1147 Meadow St, Longmont, Filed: 07/22/11 • Borrower: Samuel & Diana Simmons, Lender: Wells Fargo Bank NA, Amount: $137,916, Property: 1101 21st Ave 15, Longmont, Filed: 07/26/11 • Borrower: Colin Moore, Lender: Citimortgage Inc, Amount: $177,752, Property: 8 6th Ave, Longmont, Filed: 07/26/11 • Borrower: Louanna Holden, Lender: The Bank Of New York Mellon, Amount: $308,264, Property: 7235 Lookout Rd, Longmont, Filed: 07/26/11 • Borrower: Kim Gallo, Lender: The Bank Of New York Mellon, Amount: $119,808, Property: 804 Summer Hawk Dr 11304, Longmont, Filed: 07/27/11 • Borrower: Larry & Connie Kale, Lender: Wells Fargo Bank NA, Amount: $131,725, Property: 2207 Emery St C, Longmont, Filed: 07/25/11 • Borrower: Preston Kunkel, Lender: Wells Fargo Bank NA, Amount: $164,975, Property: 10402 Butte Dr, • Borrower: Glenda Schofield, Lender: JPMorgan Chase Bank National Association, Amount: $268,172, Property: 410 Prospect St, Lyons, Filed: 07/26/11 • Borrower: Avis Burnett, Lender: US Bank National Association, Amount: $259,798, Property: 56 Eagle Feather Way, Lyons, Filed: 07/26/11Longmont, Filed: 07/22/11

OPEN HOUSE DIRECTORY FEATURED HOMES Open Saturday 10-12pm

716 Memory

$330,000

Open Sat 11-1 225 Peaceful Valley Rd.

Classic Old Town home on tree-lined street Rich wood built-ins, doors & trim Updated: Marble bath, new roof, furnace, AC Gleaming hardwood floors Spacious deck shaded by mature trees

3 Bd, 2 Bath, 2 Car Garage. Beautiful Log home that backs to the River.

Amazing Views - Fire Pit- Sitting Areas - Log & Flagstone Walk Ways

Lyons $369,000

Longmont $225,000

Hurry don’t miss this new listing!

5 bedrooms with one on the main.

Park like backyard with water feature. Huge 1/3 acre lot.

Chris Freeman • ERA Tradewind Real Estate • 303-684-6333

Open Sat 11-2pm 336 Judson St.

Josh Landers • RE/MAX Traditions • 303-819-1638

John Lee • RE/MAX Traditions • 720-272-3028

Open Sunday 11:30-1:30

1618 Otis Dr Longmont

$249,000 2-3BD/2BA, 3 car garage, huge basement, near golf and park!

Jonelle Tucker • Coldwell Banker Residential • 303-902-6250 Day

Price

Location

Address

Hours

Office

Phone

Saturday

$225,000

Longmont

336 Judson

11-2 PM

Re/Max Traditions/Landers

303-819-1638

Saturday

$330,000

Longmont

716 Memory

10-12AM

ERA Tradewind Real Estate/Freeman

303-684-6333

Saturday

$369,000

Lyons

225 Peaceful Valley Rd

11-1 PM

RE/MAX Traditions/ Lee

720-727-3028

Saturday & Sunday

$249,000

Longmont

15th & Francis

11-6 PM

Markel Homes

303-589-5752

Sunday

$215,000

Longmont

1316 S. Bross Lane

12-2PM

Wright Kingdom/Dene Yarwood

303-808-0076

Sunday

$249,000

Longmont

1618 Otis Dr

11:30-1:30 PM

Coldwell Bank Residential/Jonelle Tucker

303-902-6250

ONLY $49!

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