Home and Real Estate Weekly

LONGMONT TIMES-CALL | ARTS & ENTERTAINMENT MAGAZINE | SATURDAY, NOVEMBER 12, 2011

Longmont Times-Call

www.TimesCall.com

HOME

& Real Estate Weekly

November 12, 2011

Moving

Up Be a savvy homebuyer

2

Times-Call / Home & Real Estate Weekly

November 12, 2011

Moving On Up

The smart way to go from renting to owning

Article Resource Association

If you’ve paid attention to any news media over the past few years, you know that the housing market has dropped off. From a seller’s perspective, that makes life a lot harder. But for a buyer, it can mean a wider world of options and opportunities. For those want to become owners rather than renters, it’s vitally important to make smart decisions – as the markets have shown.

Many factors contribute to the real estate market’s current sluggishness, and one of them is the fact that lenders are reluctant to give loans to homebuyers. After the housing market crisis, it’s not surprising that they would be more demanding in their lending practices, but for those eager to buy, it means that you need to present a pristine financial profile.

There’s no limit to the amount of real estate browsing you can do – either online or in your ideal neighborhood – but before you get serious about purchasing a home, take these tips into consideration.

• Pay down your debt. Before you even apply for a mortgage, it’s important that you reduce your debt load.

The smaller it is, the better for your debt-to-income ratio, which lenders use to determine how much they’ll allow you to borrow. Items like car loans, child support and alimony, credit card bills and student loans are all factors that the lender will consider.

Paying down debt can have the added benefit of improving your credit, as well.

• Check up on your credit. Having good credit is another essential element in smart home buying – it can af-

Summer Stair

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

On the Cover

Know the proper steps to take before you start house hunting. (ARA)

Jade Cody

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

fect how lenders view you, and the terms of your mortgage. The better shape your credit is in, the better your potential to get the mortgage of your dreams. Every year, you’re entitled to a free credit report from one of the three major reporting agencies, like Equifax.

Use it as a starting point that will give you an idea of your overall credit picture. Look for areas that can be improved upon and track your progress by checking your credit again after you’ve put in some work to bring it up.

• Make the biggest down payment possible. The era of zero-down is over, and for good reason. A down payment – and a sizeable one – can help ease the strain of a mortgage in coming years. A minimum of 20 percent down is a good idea, and if you can do more than that, so much the better. If you don’t think you can afford a down pay-

News and Press Releases

ment of 20 percent or more on a house you’re considering, it might be time to shop around for a less expensive home that is more budget friendly.

• Be an informed buyer. There is a seemingly endless list of things to know about buying a home, and the faster you want to buy, the faster you’ll need to learn it all. One of the best things you can do is take a first-time homebuyer class offered by a reputable organization – some cities even offer them for free. Be sure you know the ins and outs of items like closing costs, adjustable rate versus fixed rate mortgages, how your credit report affects mortgage rates and the documentation you’ll need to get a mortgage. The more you know, the better equipped you’ll be to make smart decisions that will make you a happy homeowner for years to come.

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.

Advertising

The display advertising deadline is Tuesday at 3 p.m., and the classified line advertising deadline is Thursday at 3 p.m. – both the week of publication. For advertising information, call 720-494-5445.

November 12, 2011

Times-Call / Home & Real Estate Weekly

3

Private mortgage insurance is for lender’s benefit Q: I just heard Ilyce on the radio talking to a listener about a house he was purchasing from his parents. She said that he would have to pay private mortgage insurance (PMI) if the appraisal came back and showed he was above the 20 percent equity threshold.

I just bought a foreclosure here in North Carolina; it appraised at $350,000, and I purchased it for $225,000. I didn’t have enough to cover the 20 percent down payment required on the $225,000 for a conventional loan, so I was required to carry PMI even though it appraised above the threshold.

I was told by more than one lender that it was the purchase price only that determined PMI requirements.

Was I misled?

A: You weren’t misled, and the differing circumstances between the radio caller’s case and your own can be explained.

If a parent is transferring title to a child, and there is no purchase agreement, the lender can only rely on an appraisal to determine the value of the property. However, in a home purchase, there is an appraisal and a contract purchase price, and the lender will use the lower amount — simply as a way to protect itself from lending too much money

on a property. threshold.

As a borrower, you will be required to In other words, if a lender gives a pay for PMI if the amount you borrow is homeowner a loan on 90 percent of the more than 80 percent of whatever value of the home, the PMI company amount is lower between the contract will pay the lender for any loss it sussale price and the appraised value of the tains if it fails to get back money on that home. part of the loan that exceeds the 80 percent value threshold as of the day the PMI is for the lender’s benefit, not loan was given. yours. The only benefit to a homebuyer is that if your lender The closer you get requires it, buying it is to a 100 percent the only way you’ll get loan-to-value ratio, the loan. the greater the risk of default. That’s In the good old why PMI gets more days, when property expensive the higher values tended to be your loan-to-value constant or increasratio. ing, lenders believed that they could only The good news lend up to 80 percent Ilyce Glink & Sam Tamkin for you is that after of a property’s value six months to a year, Tribune Media Services to a borrower. If they you may be able to lent more, the lender refinance your loan would take the risk that if they foreand have the PMI removed. You won’t closed on the property, there wouldn’t be able to do that with your current be enough money left over to pay the lender, as you must have a two year loan and the expenses. track record before you can go to your lender and PMI company and request However, borrowers wanted to buy that they remove the mortgage insurhomes and lenders wanted to lend monance due to a higher appraisal. ey. So a system came about where lenders could lend more than 80 percent When you are ready to refinance, talk of a home’s value but a company would to a mortgage lender or mortgage broissue coverage to the lender that would ker, and make sure to go over your loan cover it for any loss it might incur on specifics with them as well as the valuathe loan amount above that 80 percent tion issue, given your appraisal. De-

LBA

pending on the loan product you want, you may or may not be able to refinance and get rid of the mortgage insurance.

As the mortgage rules change, lenders have different requirements for refinancing loans these days. You shouldn’t have to apply for a new loan to find out whether the purchase price of your home will affect your appraisal on a refinance.

The mortgage broker should be able to tell guide you on how to deal with your situation given your recent purchase. A new appraiser may appraise your property at a value close to what you paid and you might be stuck paying PMI. However, if the new appraiser’s value is similar to what the old appraiser came up with for your home, and you’ve had the loan for a sufficient period of time, you should be able to refinance, get rid of PMI and possibly benefit from lower rates.

If and when you refinance, please consider the closing costs, the interest rate and the length of the term of the new loan in determining whether it is right for you.

Ilyce R. Glink’s latest book is “Buy, Close, Move In!” Samuel J. Tamkin is a Chicago-based real estate attorney. If you have questions, you can call Ilyce’s radio show toll-free (800-972-8255) any Sunday, from 11a.m. to 1 p.m. EST. Contact Ilyce and Sam through her website, www.thinkglink.com.

ongmont BROKERS IIndependent LINDEPENDENT ndependent RReal eal Estate Professionals ...

ASSOCIATION

Working W Workin orking TTogethe Together ogether for for YYou! ou!

2069 Doyle, Berthoud

Mimi Miller

Broker Associate, CRS, GRI, SRES, ABR, CHLMS

Longmont, Co. 80501 303-709-6990 Cell 303-774-6531 Office 303-682-2692 Fax mimimiller.net

PRICE REDUCED Stucco Ranch 3 Bedroom, 4 bath beauty is located on 2.3 acres with huge 3 car garage and attached heated 34x15 high shop. 3225 finished sq.ft. with 3225 unfinished basement. Wood flooring, Pella windows, walk-n-shower, MB bath heated flooring, large bedrooms, 2 fireplaces, huge laundry room, gourmet kitchen located in Paradise Valley Estates. $565,000, mimi.miller@comcast.net

2010 & 2011 5 Star Real Estate Agent for 5280 Magazine

4875 White Rock Cir., #B • Boulder

Wanda Ferguson

412 Terry St. Longmont, CO 80501 303-908-2060

Beautiful, light and bright Powderhorn Condo in Gunbarrel. 2 bedroom, 1 bath condo on upper floor. Must see to appreciate the quiet and serenity when looking out at the heavily treed courtyard.

Upper unit with balcony which faces east. Home has newer appliances and new furnace and also includes stackable washer/dryer. Call Wanda at 303-908-2060 for your private showing.

www.wandaferguson.com • wanda4realestate@yahoo.com

Let Independence work for you!

4

Times-Call / Home & Real Estate Weekly

November 12, 2011

Tackling your own interior-design project

Boulder County Gold Awards 11 Years in a Row!

Proudly Serving Buyers and Sellers Since 1976

By By Rosemary Sadez Friedmann

WRIGHT KINGDOM

Scripps Howard News Service

Designing the interior of a home is very rewarding, but can be overwhelming. Think of the venture as an opportunity, not a problem. Break it up into small, bite-sized pieces rather than trying to tackle the whole idea at once.

If the entire house is going to be redone, keep in mind that a major interior job will most likely take more time than estimated. Expect delays. Keep in mind that everything will be displaced, meaning your clothes, the kitchen pots, pans, dishes, etc., will have to be placed in containers. The TV room, dining room and bedrooms will not be as comfortable as you are used to, what with all the upheaval. And while it may seem like an eternity at times, be patient: It will all be worth it.

Before starting anything, it is best to have a game plan. If money is no object, the best thing to do is to leave the work to a professional and go on a three-month vacation. Since that is usually not the case, consider doing one room at a time. Start with the areas that will be the largest to cover, such as floors and walls. Those are your backdrops and your basics when starting. Decide on carpet, tile, marble or wood for the floors. For the walls, decide on wallpaper or paint or faux paint. Both floors and walls will also need a color scheme, and while these are usually the last to be completed before furniture is delivered, the decisions still need to be made before other items can be purchased or worked on.

Rooms that will be the most difficult to deal with in terms of redoing and decorating are the bedrooms, bathrooms and kitchen, because these are the most-used rooms in the house as well as the most personal. Yes, the family room is lived in, but as far as displacement, the aggravation of an unfinished family room is a little less distressing than that of a kitchen or bed/bathroom.

The good thing about interior design is that there is no right or wrong, just degrees of appropriateness. And most importantly, as long as the finished product is to your liking, the project is a success. Always keep in mind that you are the one living in the home, not the designer or a friend or relative. All those other people can give you ideas, suggestions and guidance, if you’d like, but the final decision must be yours.

So go ahead and start planning your moves and moving your plans until your dreams become a reality. You’ll be glad you did.

Rosemary Sadez Friedmann, an interior designer in Naples, Fla., is author of “Mystery of Color.” For design inquiries, write to Rosemary at DsgnQuest @aol.com.

R E A L

E S T A T E

WRIGHT KINGDOM’S HomeFinder Guide

The fast and easy way to find a home that fits your price range...

LONGMONT :30 -12 :30 0 1 Sat

LONGMONT en Op

LONGMONT -3 n1 Su en Op

1-3 Sat

829 Tanager Circle

818 S. Terry St., 5A

Pristine condition-great flr plan! www.829.wkre.com $315,000

Pristine end unit, bright and cheery! www.818.wkre.com $148,000

4 BR 2 story w/new paint, carpet & sod. www.1049.wkre.com $179,900

Dene Yarwood 303-808-0076

Rob Justis 303-817-0906

GUNBARREL

LONGMONT

LONGMONT

Dene Yarwood 303-808-0076

en Op

TM

1049 Ponderosa Cir

-3 n1 Su

7083 Indian Peaks Trl

14851 Creekside Lane

1911 Emerald Dr

Sunny ranch w/ main floor master. www.7083.wkre.com $569,000

Wonderful custom home with fabulous views! www.14851.wkre.com $674,900

4 BR/4bath home on lg lot close to park. www.01911.wkre.com $449,000

Debbie Haubert 303-588-2128

Jim Green 303-775-2553

Donna Jensen 720-564-6065

LONGMONT

ERIE

LAFAYETTE

816 Gay Street

2908 Dickens Street

Cute, Charming, Quaint Victorian! www.816.wkre.com $260,000

Wonderful home Arap Ridge. 4bd/3bth. www.2908.wkre.com $374,900

Kathleen Spano 303-885-0876

Janet Borchert 720-564-6034

ERIE

LAFAYETTE

12635 Flagg Drive Charming country farmhouse on 6 acres! www.12635.wkre.com $599,000

Andria Allen 303-810-8375

LAFAYETTE

1242 Highland Way

1276 Hawk Ridge

1231 Hawk Ridge Rd.

Lots range from 1.8 to 2.56 acres! 4 left. www.1242.wkre.com $169,000

Nicest home just outside of Lafayette. www.1276.wkre.com $1,145,000

Showcase home is an outstanding value! www.1231.wkre.com $689,000

LAFAYETTE

LAFAYETTE

SUPERIOR

Jim Green 303-775-2553

w Ne

Mike Moger 303-541-1920

Kent Zaitz 303-444-7592

g! tin Lis

1288 Hawk Ridge Rd. Stunning Colo contemporary on open space. www.1288.wkre.com $695,000

642 Homestead St

Meticulously maintained home! www.642.wkre.com $368,000

Bonnie Burkhart 303-541-1902

Keith Robinson 720-564-6064

BROOMFIELD

MEAD

943 Grays Peak Dr Great Location! 4bd/3ba 3,160 total sqft. www.943.wkre.com $377,000

Mark Reuter 720-564-6016

BERTHOUD

220 Eagle Avenue, Mead

5082 Grey Wolf Place

154 Eagle Avenue

2075 Doyle Drive

Spacious, stand-out Broadlands condo! www.5082.wkre.com $245,000

Beautiful home, large lot, big back yard! www.154.wkre.com $225,000

Fabulous country estate with views! WOW! www.2075.wkre.com $1,375,000

BERTHOUD

LOVELAND

EATON

Cindy Maynard 720-564-6049

$395,000 4 bd, 4 ba, over 3,700 finished sq ft. Built in 2006, upgraded features throughout. Shop in back yard for serious carpenter/builder, plus extra storage shed. Quiet street, backs to private open space, Mead schools. Adjacent vacant lot available for $58,000.

Call Dyer Realty, Inc.

303-772-3200 Mar vin Dyer

TBD I-25 & WCR 7

Barb Bashor 303-775-2994

337 W. 9th Street

160 acres w/successful motocross track! www.7.wkre.com $1,920,000

Vintage home with a/c in quiet location! www.337.wkre.com $145,000

Jim Green 303-775-2553

Barb Bashor 303-775-2994

Andria Allen 303-810-8375

35607 County Road 49 Lovely country home w/mountain views! www.35607.wkre.com $349,000

Jim Green 303-775-2553

WKRE.COM

Visit our website to see photos and details for all our listings...

303.776.3344

Wright-Kingdom, Inc. • 2101 Ken Pratt Blvd, Suite 100 • Longmont, CO 80501

November 12, 2011

Times-Call / Home & Real Estate Weekly

5

Clean out unwanted garden guests

Colorado State University Extension

609 Bross Street

Close to downtown Longmont! Old Town West Side Longmont home w/detached one car garage! This home features two bedrooms, a study, eatin kitchen, large living rm, & many built-in cabinets & drawers.

Basement features space that was formerly used as 2 bonus rooms,shower & rec room “in its day” but we are advertising the bsmt as unfin. space. Laun. is also in bsmt. Hardwd flr under carpeting. Large evergreen tree in part. fenced backyard. Lots of potential & charm! Enclosed front porch.

The

$220,000

Team

BROKER ASSOCIATE Diane’s Direct Line:

303-827-704 6

1616 Redfern Place

Light & Bright Ranch style hm. on low traffic st. w/Mtn.Views! 3 Bed, 1 Bath w/1249+/-tot.sq.ft.

Everything on one level. New carpet, interior paint, window coverings, vinyl clad windows, range oven, built-in micro, light fixtures & low-flow toilet have been installed in this home.

S.-facing driveway for quicker snowmelt! Enjoy the mtn views from the deck. No neighbors behind you!

Frplc in liv.rm.

Oversized gar. w/work area.

$180,000

up debris.

Two fungi invading lawns, necrotic ring spot and Ascochyta, attack at different points: ascochyta invades the leaves, while necrotic ring spot goes after the crown. They colonize the soft new growth of the lawn in spring, just as the plant starts actively growing.

Research at Colorado State University has shown that early season fertilization of lawns encourages both diseases by pushing growth of young leaves. Delay fertilization of lawns in spring, waiting until early May if you used a winterizer this fall. This is one way of reducing the amount of soft tissue the fungi can commandeer.

Keep your plants healthy by tidying up the leaves and applying a fresh covering of mulch in perennial beds to keep diseases at bay.

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 303-678-6238 or emailing comeara@co.boulder.co.us. For more gardening tips, check out her blog at gardeningafterfive.wordpress.com.

1726 Twilight Court

This wonderful custom 2 story hm. sits on a very low traffic court & backs to open space w/views of Union Reservoir. 5 Bed, 5 Bath w/ 5540+/-tot.sq.ft. Upstairs are Mstr suite, add’l 3 bedrms, a wonderful 17’ x 17’ carpeted bonus rm w/lake views & an 11 x10 Loft.

Bsmt prof. fin. w/permits to incl.a spacious L-shaped rec rm, bedrm & full bath. Lg. gourmet kitchen w/luxury appliances & fixtures, slab granite & more. Attached 3-Car garage. Hot tub rm.

$700,000

For Further Details Of These Listings And:

Experience Isn’t Expensive...It’s Priceless

Diane Stow, ABR, CRS, GRI, SRES, CDPE

na fungus that is a true thug attacking Aspen and cottonwoods. Marssonina causes dark brown leaf spots, often with yellow halos and a white center. In wet weather, spots enlarge and merge forming black, dead patches.

Marssonina spends the winter on fallen leaves, producing spores in spring with warmer, wet weather. Like Spetoria, if the weather conditions are right, spores from these infections spread, causing large secondary infections that become obvious later in the season.

If you don’t care about your trees but do love your tomatoes, fall cleanup of plant debris is key in controlling early blight (alternaria solani). Early blight fungus attacks older leaves of the tomato first, spreading upward as the season progresses. Leaves develop brown to black dead spots with yellow halo and as the spots grow, they form concentric rings, or “bull’s-eye” pattern.

Early blight overwinters as spores in leaf or stem tissue left in the garden, so if you can’t rotate your plants, be meticulous about cleaning

TO SEE ALL OF DIANE’S LISTINGS

With Detailed Information, Multiple Photos & Virtual Tours,

VISIT:

w w w . d i a n e s t o w . c o m Email: Re/Max Traditions, Inc. 2204 18th Avenue (303) 772-3800

diane@dianestow.com

Your Source to all things Home & Real Estate!

www.TimesCall.com

Carol O’Meara

Getting powder all over the furniture, leaving a trail of slime, some guests just don’t know when they’ve worn out their welcome. When the party’s over, instead of a fond farewell, they snuggle into the cover of leaves to sleep through winter, emerging as the weather warms to pick up the party on your plants next season.

If you’re letting leaves lie you might be adding to plant problems in spring, when diseases shake off the cold to infest the garden.

Now that fall snows finally quieted the garden, clean out the guests before winter sets in to ensure your plants get off to a healthy start next year.

Powdery mildew overwinters as cleistothecia, big, obvious black specks that look like someone sprinkled pepper on the leaves. If not cleaned out, it will re-infect the plants next spring, and soon the coating of powder-white fungus will encase the leaves and attack stems, buds, flowers and fruit.

Afflicting cottonwoods and aspen in our yards, Septoria fungus causes a spotty foliar disease. From tan, circular spots with black pimples in the center to irregular brown to black spots that coalesce into large areas, symptoms of the disease vary between tree species, particularly lanceleaf cottonwoods. In moist, humid areas, the fungus can attack twigs and main stems.

Septoria spends winter as pycnidia – a saclike spore case — on infected fallen leaves.

With spring and its warm, wet weather, the pycnidia releases spores to be carried by wind onto emerging leaves. Though early infections aren’t often serious, if the weather remains warm and moist, these infections release spores that create a wide swath of infestation. These secondary infections appear later in the season and can cause trees to drop their leaves early.

Though Septoria is common, it’s Marssonin-

6

Times-Call / Home & Real Estate Weekly

November 12, 2011

A Thankful Table

Holidays a perfect time to decorate

By Mary Carol Garrity

Scripps Howard News Service

Every Thanksgiving we host a big group of family and friends.

Dan is the chef in the family and, despite the chaos he wreaks, dirtying every pot and pan we own and dripping all sorts of sauces down the front of the cabinets, the meal is always sensational.

I focus my energy on creating a feast for the eye on our dining-room table. Making a memorable tablescape for Thanksgiving dinner is easier than it sounds.

Find out how.

Gold is back! For years, designers have regaled us with shiny silver, sparkling crystal and every color under the rainbow for holiday decorating.

Now, they’ve come full circle and are dazzling us with warm, wonderful gold.

I’m crazy about featuring gold this year for Thanksgiving, especially when it’s paired with one of today’s splashiest, happiest colors: marigold.

Before you start planning what you want on your table, do a quick headcount. If you’re having eight or fewer guests, my suggestion is to play up each place setting, making them the headturning focal point of the table. You don’t have to use a zillion dishes to pull off a dramatic look. Instead of quantity, pick just a few pieces that are really striking.

Consider starting with simple white platters, used as chargers.

Have them sit directly on the table-

top. For the sake of simplicity, opt against using table linens on a goldfilled table. If you’d like your Thanksgiving table to be a bit softer and more lavish, add a tablecloth or placemats.

Next, incorporate opulent gold china, which is available right now at Nell Hill’s Online and at the stores.

Finally, top the dishes with a striking sorbet cup in amber glass. This little addition is at once formal and fun.

If you’re like most of us, you have an odd assortment of silverware, with partial sets handed down from relatives. By all means, use these little works on art on your table, mixing all the patterns together.

I really, really like an assortment of interesting glasses on my table. Dissimilar glasses can be perfect together. Go with different heights and styles, mixing classic and contemporary, as long as they’re similar enough so it looks like they belong together.

If your party will be larger than eight, keep the individual place settings simple. Use a minimal number of dishes because there just won’t be all that much room on the table. Your goal here is to make your centerpiece the star of the show. But still, my advice is to keep it simple.

Call on the no-fail power of fresh flowers to create a knockout centerpiece. Consider placing an assortment of marigold-colored ceramic vases along the center of the table. Then, fill them with white flowers. Fresh flowers are

If you're having eight or fewer dinner guests, make their place settings the table's head-turning focal point. (SHNS/Courtesy of Nell Hill's)

the perfect solution for just about every occasion. They can soften the hard shiny surfaces of a table and plates, and make the table look subtly sumptuous.

If you want a more traditional Thanksgiving feel for your table, try this: Get an assortment of gourds and pumpkins, then mist or coat them with gold spray paint. Hunt in your yard for fallen acorns or twigs clinging to fall leaves, and mist them, too. One way to use your gilded natural treasures on a formal table is to line up three urns and top each one with a gold pumpkin. Fill in around the urns with a spattering of gold-toned votive cups holding batteryoperated tea lights. Then, sprinkle in

your spray-painted fallen twigs and acorns.

If you’re lucky enough to be going to someone else’s home for Thanksgiving, you can still make your table festive at home. Treat yourself to a beautiful Thanksgiving breakfast on a kitchen table decked out for the season.

To offer a festive fall feel, plunk fallcolored accent pillow into chairs, add fallish napkins to the place settings and tuck in a little bouquet of fresh flowers in favorite fall colors.

The column has been adapted from Mary Carol Garrity’s blog at www.nellhills.com. She can be reached at marycarol@nellhills.com.

Townhomes &$" ( ' $+ #( # # * #

(( & & ' # & , ( & ( ) !( & #

# # $)( + '( $# "$#( ! $&( $ $ &%$&(

www.LiveKingsbridge.com

November 12, 2011

Times-Call / Home & Real Estate Weekly

7

5 worst home fixes for the money

By Dana Dratch

bankrate.com

It’s the magic phrase uttered by almost anyone who’s ever considered the cost of home remodeling: “We’ll get it back when we sell.”

Unless you keep those projects practical, you might just be kidding yourself.

For example: Steel front door: Good.

Master suite addition costing more than the average American home: Bad. Every year, Remodeling magazine looks at the hottest home upgrades and calculates just how much owners get back when they sell.

Upkeep is more popular than upgrades these days, says Sal Alfano, editorial director for Remodeling. These are the projects that often recoup the biggest slice of expenses at resale.

Ever wonder what brings the lowest return when you plant that “for sale” sign? Think high-dollar, highly personalized add-ons like a tricked-out garage or a super luxe master suite addition.

Here are the five improvements that rank dead last nationally when it comes to getting those renovation dollars back at resale.

The standard home office renovation is this year’s biggest loser in the resale value sweepstakes. Nationally, homeowners spent an average of $28,888 and can expect to recoup 45.8 percent at resale, according to the Remodeling report.

Alfano offers two tips for home-office remodelers when they sell. First, opt for something that can easily be converted back into a bedroom.

Second, when you’re selling, call it a study, den or hobby room. Don’t use words that invoke images of actual work.

Real estate agents will tell you that potential buyers want square footage, pristine condition and lots of light. So a brand-new room that has the word “sun” in it, it has to be great for resale value, right?

Not necessarily.

Your first clue: The word “addition” — which means expanding the footprint of your home — indicates that this is not a renovation for the faint of heart.

While it seems simple enough, the national average for a sunroom addition is $75,224, according to the report. Homeowners can expect to recoup 48.6 percent when they sell.

That doesn’t mean that adding a sunroom is always a bad move.

If your home needs another common area, a sunroom could be the answer, says Katie Severance, co-author of “The Complete Idiot’s Guide to Selling Your Home.”

Who doesn’t want to wake up in a five-start-hotel-quality suite with an attached spa bathroom and a kitchenette that affords you coffee and pastries before facing the world?

Once you see the price tag, it won’t just be the coffee keeping

Simplify your

HOME SEARCH

you up at night.

For a super-deluxe master suite addition — which adds square footage and uses topdollar materials — the average cost is $232,062, according to the report.

In years past, this project was “sort of a trend in vacation homes” that migrated to primary dwellings, Alfano says. Sellers can expect to recover 52.7 percent at resale.

Your buyer can purchase a newer house with the same features as part of the original floor plan that “probably lays out better anyway,” says Loren Keim, author of “How to Sell Your Home in Any Market.”

So while the next buyer may

appreciate your luxury accommodations (which could even tip their decision in your home’s favor), chances are they won’t want to pay the full tab for your remodel.

Unless you’re a hermit who never entertains, you’ve probably wished for an extra bathroom now and then.

But bathroom additions require serious coin. For a moderately outfitted addition with synthetic stone or plastic laminate surfaces, figure parting with $21,695, according to the Remodeling report. Go upscale, with premium marble or fine tile, and you can easily spend $40,710. Either way, you get about the same return: 53 cents on the dollar.

While additions usually cost more, pros might be able to reconfigure your existing space to add a bathroom for less, Alfano says.

Instead of cleaning out the garage, how much would you pay to have a new one built?

This time, it would have all the organizational built-ins and windows for natural light, and you could store a couple of cars in there.

The price tag for a well appointed, detached two-car is $90,053, according to the report. You can expect to recover 53.6 percent of that when you sell.

“It’s a dream garage,” Alfano says.

$100 OFF* RESIDENTIAL PAINTING * Discount applies to bids over $1,000, dated 11/1-11/30/2011

Quick, convenient and only a click away...it’s that simple

www.HomeandRealEstateWeekly.com • Hundreds of Homes • Calculate Financing

• Locate an Agent • Updated MLS Listings Powered by ColoProperty.com

November 12, 2011

Mellon, Amount: $108,525, Property: 911 Elm Ct, Fort Lupton, Filed: 07/29/11

Other Amenities

• Borrower: Octavio Arroyo, Lender: Onewest Bank FSB, Amount: $120,131, Property: 1213 Martin Rd, Longmont, Filed: 08/02/11

Washer/Dryer Hook-ups

Washer/Dryer Facilities

# of Baths Lease Required

# of Bedrooms

08/03/11 • Borrower: Christy Vegwert, Lender: Bank Of America NA As Successor, Amount: $83,565, Property: 211 5th St, Fort Lupton, Filed: 07/29/11 • Borrower: Daniel & Lori Hernandez, Lender: The Bank Of New York

$885$890

$835$840

1

1

Yes

No

Yes

Yes

Secure building, quiet neighborhood, meal program, transportation, utilities paid, appliances & cable TV included, 62 yrs & older; vouchers accepted.

Victoria Inn

$749$899

$250

1, 2

1, 1¾

Yes

Yes

Yes

In each apartment

A/C, D/W, cable ready, balcony or deck, carport, outdoor pool, close to shopping & bus stop.

The Shores at McIntosh Lake

$729$1200

$100 $200 $300

1,2,& 3

1,2

Yes Short Term Available

Yes

Yes

Yes

Gas fireplaces, 24 hr. fitness center, heated pool & hot tub, A/C, business center, gourmet kitchens, detached garages. *On selected apartments.

$610$990

Yes

1, 2, 3

1, 2

Yes

Yes

Pets Neg.

Yes

In historic Longmont, large trees, quiet neighborhood on-site parking & storage.

Close to RTD. Heat included.

1, 2

Yes Short Term Available

Yes

Yes

Island kitchens, garden tubs, gas fireplaces, double balconies, two tone paint, gated community. Close to schools & newest community in Longmont.

Full size in each condo

W/D provided in each Condo

All utilities & cable paid, sec. bldg., elevator, W/D in every unit, transportation, social events. HUGE amenities package, quiet 55+ community.

Call for incentives! Parking garage & storage units

Hover Manor Senior Apartment Residence 1401 Elmhurst Dr. • 303-772-9292

2400 17th Ave. • 303-772-4667

Longmont, CO

Deposit

• Borrower: Ross & Cheryl Hill, Lender: Ocwen Loan Servicing LLC, Amount: $195,988, Property: 5822 Shenandoah Ave, Firestone, Filed:

Price Range

Foreclosures – notice of election and demand • Borrower: Kenneth & Mable Harris, Lender: Deutsche Bank National Trust

Address Phone

Company, Amount: $122,373, Property: 312 Granville Ave, Firestone, Filed: 07/28/11

Complex Name

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

Pets

Times-Call / Home & Real Estate Weekly

Allow Smoking?

8

2450 Airport Rd. • 303-774-8000

Yes

Elliott Apartments

418 Emery St. Longmont, CO 80501 • 303-772-6452 www.elliottapartments.com Fox Ridge Apartments

3800 Pike Rd., Longmont, CO 80503 • 303-774-9944

Tanglewood Condominiums Senior Community

100 21st Ave., Longmont, CO 80501 • 303-774-0300

$789$1239

$12401625

$200

$12401625

1, 2, 3

1, 2

1, 2

Yes

Yes

Some

Yes

Yes $50+ mo.

Reach over 44,000 Readers Each Week With Your Advertising Message.

Call Your Classified Advertising Executive Today 303-776-7440

9

Times-Call / Home & Real Estate Weekly

place your ad

November 12, 2011

303.466.3636 Boulder/Broomfield/longmont or 970.635.3650 loveland or frontrangeclassifieds.com

With FrontRangeClassifieds.com, you’ll reach 368,000 local consumers ready, willing and able to buy in 3 regions:

Real Estate PLACE YOUR AD:

5000

Homes for Sale

Brand New Home!! $69,900 Beautiful 3 bed 2 bath lot rent special!

Swimming pool Clubhouse Playground New fitness room Huge Deck w/ Great Mtn Views

5000

Homes for Sale

WOW! Downtown Louisville. Get your dream home! Will consider trade or co-op. $685,000 169 S Roosevelt John 303-332-4624 trucraftelectric@ comcast.net

5004

Open Houses

Sun Homes at Eagle Crest 1-888-649-5616

4eaglecrest.com

NIWOT 4 br 3+ ba Spacious, hardwood floors, 3 car gar, Great condition, private park w/3 ponds. Home Inspection Sat & Sun Nov 12 & 13 10 am - 5 pm. Selling decision made Nov 13.

(720) 325-9895.

TURN USED ITEMS into Quick cash with Classifieds!

5007

Mobile Home For Sale

*Expires 11/30/11[]

*Could Be Yours Soon* Tri-level with newer kitchen, baths, interior paint, hardwood under LR, DR, 3 bedrooms.

Fenced yard, 2 car, $202,500 call for details.

market

303.466.3636 BOULDER/BROOMFIELD/LONGMONT OR 970.635.3650 LOVELAND OR FRONTRANGECLASSIFIEDS.COM

Financing available Pet Friendly

reach your

Loveland Reporter-Herald RH Weekly

Longmont / East Boulder County Times-Call Longmont Weekly Colorado Hometown Weekly

Boulder / Broomfield Daily Camera Colorado Daily Broomfield Enterprise

1970 14x65 2BR, 1BA Large living room & dining room.

Swamp cooler & new hot water tank.

Over 55 Community.

Asking $10,000 303-776-7630 For Sale or Lease 3 BDRM single & double wides- family park. 303-772-3240 Mobile Home 1971 Magnolia $6000 needs work.

720-254-7763

5007

Mobile Home For Sale

I WILL MOVE YOUR HOME FOR FREE! LOT RENT STARTING@ $199 250+ communities to choose from.

Offer expires 11/15/11 970-377-0990

LONGMONT 3 br 2 ba Central A/C, fenced yard, Like new, Remodeled, Located in over 55 Mobile Home Park (303) 377-1668.

NEW MOBILE HOMES AROUND $799 MONTH Payment incl. lot rent Used singles/doubles starting @$595 Great locations!

Quick Easy Credit 970-420-8488

6000

Homes for Rent

1525 STARDANCE CIRCLE, LONGMONT - 3 bed, 2 1/2 baths, w/ office luxury ranch in Fox Hill Starwood Subdivision for $2200.

Granite and tile throughout. No pets, deposit, call 303-709-6990.

1BR Apt in N Longmont 62 or older or persons w/disabilities Call for move-in Specials 303-485-5232

6000

Homes for Rent

2BR, 2BA, full basement, 2 car garage, W/D. $1100/mo + $1000 dep. Tenant pays Xcel gas & rest of utls pd. New paint, carpet, curtains & grout in kitchen & bathroom. Avail now.

303-709-3694 38 Dartmouth Cir spacious ranch 3-4BR, 3BA, hw flrs, frplc, W/D, 2 car $1450/mo 303-530-7149 3 BDRM, 6 YRS OLD, 3BA, A/C, frplc, 2 car gar, 2 sty, Lg mstr suite. 1900 sf Unfin bsmt. $1350., Longmont 303-905-6600 4 bdrm, 4 ba, Gunbarrel, poss furn, N/P, N/S $2800/mo Short lease possible 303-589-6970 Classified Ads get Results very, very fast!

2BR, 2 car gar, ranch style in NE Lgmt.

Remodeled, new applcs, W/D, N/S, N/P, $1100 303-651-6992

Homes for Rent

FALL SPECIALS! FREE RENT & reduced deposits!!

Brand New Homes to Rent Starting at $829/Month!

3 to 4 bedrooms and 2 baths

Fitness room Club House Playground Pool Pet Friendly

Expires 11/30/2011

6001

Apartments for Rent

6001

Apartments for Rent

1 & 2 BR Apt. Homes

1.5BR close to shopping, bus. 222 S Main Lease, ref., N/P $465/ mo. 303-507-3457

Classified Ads get Results very, very fast!

Starting at $645/month

Victoria Inn Apts.

2400 17th Ave. For info & specials, call 303-772-4667.

2 BDRM APTS

Call PMP, 303-776-RENT

move your

house

List your house and start packing.

$75, 5 lines, 30 days

Sun Homes At

Available Now!

3br, 2ba home w/ great park & schools nearby. W/D hookups, fireplace, 2 car garage,1600sf, N/P/S $1200, 2021 Spencer St. 303-591-2351

Eagle Crest 888-246-5232 www.4eaglecrest.com

Classified Ads get Results very, very fast!

Frederick 3BR, 1BA in dwtn fncd yard, newly remodeled $995/mo 516-984-8922

2 BDRM, 1 BA ranch, N/S, N/P, 2 car gar, A/C, frpl, $985+ dep, Sr disc. 303-746-9395 2 BDRM APTS, Starting at $650 Avail now! Sorry no pets.

PWP (720)233-1180 (303)447-1502

6000

Executive Rent-to-Own Hygiene Kid-friendly, quiet lakeside neighborhood, adj open space. Exc schls. 4 bdrm, 2.5 ba, 3 car.

No smkg, pet nego, $2500/mo.

Hugh Fowler, 303-986-1606

Longmont 3BR, 2+BA, spacious, 2 car gar, A/C, W/D hookups, 2000sf, great cond. $1600 303-483-1724

6001

drive your

wheels

List your car and get ready to roll.

$10, 3 lines, 30 days

Apartments for Rent

1 & 2 BDRM Apt Homes Fox Ridge Apts Premier Gated Community. Pets OK! For Info & Specials Call (303)774-9944.

For sale by owner only.

No refund for early cancellation.

November 12, 2011

6001

Apartments for Rent

6001

Apartments for Rent

1, 2 & 3 BDRM Apartment Homes The Shores Apartments, Hwy 66 & Airport Rd

(303)774-8000

Classified Ads get Results very, very fast!

1 & 2 Bedroom Apartment Homes Ute Creek Apts E 17th & Pace (303) 684-6821 utecreekapts.com

TURN USED ITEMS into Quick cash with Classifieds!

2BR N Lngmt, lndry, No dog,Sec 8 ok, $700 /$800 303-807-2925

APTS YOUR CHOICE! www.alertrealty.net

Large bright 2 Bdrm, 1 ba, W/D, A/C, Deck, parking, N/P/S 2041 Meadow Dr. $740-$780 303-443-4308 Newly Remodeled 2BR, 1BA. Longmont Housing accepted.

303-530-0991 Nice 2BR mobile home in Erie, W/D, no pets, $650 735 Kattell #115 303-980-1204

PLACE YOUR AD. Call 303.466.3636 or 970-635-3650

ROOMS & Apartments Weekly/Monthly, from $100/week. Utililties included. (303)931-7108

VALUE PLACE FIRESTONE

Townhomes/ 6002 Condos for Rent 6009 2 BDRM, 1.5 BA, carpet, drapes, refrig, D/W, self cleaning stove, central A/C, gas heat, W/D hkup, fncd back yard, 2 car gar. No pets. $850 + dep.

1424 Kay St., Longmont 303-776-1287 or 303-747-2219.

50 19th Ave 2 BDRM Ask about our

Move-in Specials!

Extended Stay Hotel

Call PMP, 303-776-RENT

$179.99/wk for Single Studios.

PLACE YOUR AD.

Perfect for visiting friends & family!

I-25 & Hwy 119, Longmont exit 240.

303-485-0040 Limited Avail Must bring ad at check-in to qualify.

*Expires 11/30/11 *New Guests Only*

Call 303.466.3636 or 970-635-3650

Heritage Townhome Immaculate! 2200sf, 2BR, 2 living areas, 2.5BA, study, fp, deck $1450 303-442-8693 Quiet 2BR, 1.5BA, complete kitchen, W/D hook up, AC, private patio, sm. storage, N/S/P. $775 +$700 dep, 333 23rd 303-532-6522 or 303-772-3152

2 BDRM, 1.5 ba, washer/dryer hook up, car port, storage, patio. $825. Refs & deposit required.

720-334-0695

1 or 2 BDRM’s w/ priv baths, avail in large clean non-smk home.

SW Lgmt. Inc W/D, cable & utils. No pets. $480 & $520/mo 720-495-5053 Classified Ads get Results very, very fast!

$420 /mo incl utils

1 Room in clean non -smoking home in SW Lgmt near open space & mall.

720-495-5053 Male/Fem to share home. $400/mo $200/dep. Inc utils.

303-776-6677 Share small house in Old Town Lgmt. Pets OK, mo-to-mo or 6 mo lse. $425/mo + 1/2 utils 303-772-1967

6015

Retail Space for Lease

2773 SQ FT- Busy shopping center, 1116 Francis St, $825.

Alert RE 303-776-5156

6016

Office Space for Lease

Apts. for

NO lse,dep or credit chk Wkly/4-wk, 303-776-2185 ALSO RV SITES AVAIL!

SEMI-FURN Rooms/Apts Wkly/mnthly from $100/wk Utils/micro/fridge incl (303) 931-7108

6007

Duplexes

2BR, 1BA, attch gar, quiet, central location, $825/mo incl water+depos, N/P/S 1130 Rodriguez Ct. 303-702-9805 2BR, new flooring & blinds, W/D, west side $695 303-776-5451

6016

Office Space for Lease

3 Downtown Boulder offices for lease 1007 Pearl Street, 553 sf, 1,033 sf, 1,812 sf $20 / sf NNN, Call Doug or Bo at 303-443-8850 TURN USED ITEMS into Quick cash with Classifieds!

PROFESSIONAL Offices N Lgmt 1400 sf suite w/ 8 offcs. Also 150 to 825 sf single ofcs & 3 office suite. All grnd level, 2 entr, grt prkg. 303-956-1141

PLACE YOUR AD. Call 303.466.3636 or 970-635-3650

Qualty Single Offices $350 to $500, free utils. (720)280-9047

6017

Indust./Comm’l for Lease

788 Sq Ft, Downtown Louisville.

303-664-9632

Dry Storage Starting at 8000sf, $1200 in S. Lngmt off Ken Pratt Blvd 303-472-4542

6005 Rent Furnished

2 bdrm, frpl, gar, fncd yd, no smk, $900/mo 303-772-4297

Townhomes/ 6002 Condos for Rent

Housemates/ Roommates

255 WEAVER PARK CLASS “A” second floor office space for lease or sale. Common area, conference room, elevator, mountain views.

1 yr Free Rent!

Don Rulle, CCIM

303-772-2222 2036 ESTES LANE 2 Bdrm, 1 Bath, off st pkng & laundry, $595. 303-960-5851.

Se habla español.

2700 sq ft $1250/mo Central location.

303-652-3762

Times-Call / Home & Real Estate Weekly

For Lease Approx 695 sq ft, Main St, Louisville. 303-664-9632

6018

Storage Space for Lease

INDOOR GARAGE & Commercial Storage 20x40x16 w/14x14 doors start at $325.

20x50x16 w/ 30 amp elect, man door & pwr door opener start at $425.

Garage Storage LLC, 4070 Camelot Cir, located I25 Business Park. I-25 & Hwy-66.

970-535- 6074 www.

Longmont-storage. com

You could be getting up to 80 percent off your favorite appetizers entrées spa treatments dog washes theater nights mini golf days car maintenance house overhauls shine ups boogie downs new duds fresh gear and much more.

FIND IT. OWN IT. WORK IT. SELL IT.

303.466.3636 Boulder/Broomfield/longmont 970.635.3650 loveland

10

November 12, 2011 Real Estate Transactions are supplied by Prospects Unlimited Inc., www.prospectsunlimited.com, 303-979-9536.

Longmont • George Peters from Federal Home Loan Mortgage Corp, 1153 Longdon St, Longmont, $96,300, home • Stacey Klein from Noel Terao, 2318 Lincoln St, Longmont, $155,500, home • WK Co from Carolyn Creamer, 849 S Bross St, Longmont, $148,000, home • Elizabeth & John Snyder from Sherrie Dowtymontano, 6489 Ute Hwy, Longmont, $253,000, home • Robert & Linda Bartelson from Fannie Mae, 1419 Red Mountain Dr Unit 122, Longmont, $119,000, condo • Lee Arnold from Fannie Mae, 1011 Gay St, Longmont, $144,500, home • Kurt & Ann Brady from Al Griffin, 711 Sandpoint Dr, Longmont, $225,000, home • Martinez Trust from Cynthia Holcomb, 1601 Great Western Dr Unit M3, Longmont, $134,900, condo • Nathan & Jennifer Saam from Michele Kuester, 2218 Sunrise Dr, Longmont, $186,000, home • Josephine Woods from Candace Minear, 3113 Lake Park Way, Longmont, $218,000, home • Craig & Janet Brueggeman from Linda Parker, 9035 Harlequin Cir, Longmont, $225,000, home • Christopher & Melissa Portillo from Shawna Callaghan, 607 Folklore Ave, Longmont, $274,000, home • Lavern & Loretta Johnson from Douglas Dutton, 1512 Aspenwood Ln, Longmont, $255,000, home Berthoud • Jason & Emily Menegatti from Gale Medlin, 645 S County Road 31, Berthoud, $352,500, home • Douglas Brown from Clifford Rufenach, 1503 Oak Dr, Berthoud, $191,400, home • Josiah & Raluca McRoberts from Bruce Whitley, 1870 Sherlyn Ct, Berthoud, $310,000, home • Brian & Shelby Campbell from Douglas E Harris Living Trust, 3109 Meining Rd, Berthoud, $384,500, home • Gail & Dean Saul from Prestige Homes LLC, 1413 Mount Meeker Ave, Berthoud, $199,900, home • Brenda Martinez from Kerry Sewczak, 614 Munson Ct, Berthoud, $226,000, home Dacono • Dennis & Kathy Cooper from Eagle Meadow LLC, 3902 Kestrel Rd, Dacono, $71,200, home • Cristal Zamora from Fed Home Loan Mtg Corp, 220 7th St, Dacono, $120,000, home • Peter & Susan Day from Unitz LLC, 151 Mt Elbert Ave Unit D6, Dacono, $101,600, condo

Erie • Brian Buchholtz from Benjamin Dean, 339 Smith Cir, Erie, $111,400, home • Joel Demby from Jamie Jaie, 1255 Hickory Dr, Erie, $245,000, home • Edward Hubbell from Linda J Price Trust, 3100 Blue Sky Cir Unit 14-303, Erie, $126,000, condo • Harvey Blair from RMI Group LLC, 3247 State Highway 52, Erie, $42,000, home • Harvey Blair from RMI Group LLC, 3257 State Hwy 52, Erie, $42,000, home • Kathleen Jamieson from Taylor Morrison Colo Inc, 1132 Mircos St, Erie, $258,000, home • Bradley & Tara Lewis from Travis Declerck, 2168 Pinon Cir, Erie, $415,000, home Firestone • Jose Tapia from David Darnell, 226 Wooster Ave, Firestone, $105,000, home • Gregorio & Hidalia Robles from JJ Construction Northern Colo LLC, 5318 Roadrunner Ave, Firestone, $216,000, home • Joseph & Amber Kucera from Journey Homes LLC, 5186 Roadrunner Ave, Firestone, $214,500, home • Rachel & Scott Piccoli from Fannie Mae, 10498 Foxfire St, Firestone, $225,000, home • Frances Bruns from Great Northern Properties, 10818 Cimmarron St Unit 1005, Firestone, $165,000, condo • Daniel Power from Ross Hill, 5822 Shenandoah Ave, Firestone, $190,000, home • Randall Lillie from JJ Construction Northern Colo LLC, 9620 Buffalo St, Firestone, $200,900, home • Kale Nienhuser from Wesley Lavanchy, 11311 Dover St, Firestone, $237,000, home • Robert & Jane Ucman from John Schrader, 6512 Sage Ave, Firestone, $271,700, home Fort Lupton • Raquel Diaz from US Capital Funding LLC, 120 S Grand Ave, Fort Lupton, $144,000, home Frederick • Leon & Linda Svoboda from Melody Homes Inc, 4401 Bramble Rd, Frederick, $250,000, home • Michael & Laura Troglin from Melody Homes Inc, 8173 Miller Dr, Frederick, $254,900, home • Ching Lor from Melody Homes Inc, 4473 Bramble Rd, Frederick, $229,900, home Lyons • Michael Grace from Michael Martin, 208 Welch Dr, Lyons, $360,000, home Platteville • Robert & Leah Checketts from Jana Delcamp, 16494 Essex Rd S, Platteville,

Times-Call / Home & Real Estate Weekly

$214,000, home • Eugene & Mary Rightsell from Frank Embree, 406 Harrow Ln, Platteville, $150,000, home Foreclosures – notice of election and demand • Borrower: Loretta Garcia, Lender: Deutsche Bank National Trust Company, Amount: $251,246, Property: 1263 Banner Cir, Erie, Filed: 11/01/11 • Borrower: Jett & Jeanne Ray, Lender: Aurora Bank FSB, Amount: $243,200, Property: 406 Wheat Berry Dr, Erie, Filed: 10/28/11 • Borrower: Craig Haack & Alice Crabtree-Haack, Lender: The Bank Of New York Mellon, Amount: $323,713, Property: 1857 Lodgepole Dr, Erie, Filed: 11/01/11 • Borrower: Mark & Katherine Bomba, Lender: Wells Fargo Bank NA, Amount: $157,417, Property: 1425 Blue Sky Cir 15-102, Erie, Filed: 10/31/11 • Borrower: Nathan & Teresa Richardson, Lender: Deutsche Bank National Trust Company, Amount: $141,075, Property: 353 Monmouth Ave, Firestone, Filed: 10/27/11 • Borrower: Leslie & Cynthia Jenkins, Lender: PNC Bank National Association, Amount: $214,647, Property: 6175 Snowberry Ave, Firestone, Filed: 10/27/11 • Borrower: Arturo & Michelle Amaya, Lender: HSBC Bank USA National Association, Amount: $87,684, Property: 257 Granville Ave, Firestone, Filed: 10/28/11 • Borrower: Michael & Tamara Sorensen, Lender: Flagstar Bank FSB, Amount: $224,431, Property: 10126 County Road 20, Fort Lupton, Filed: 10/28/11 • Borrower: Rosalio Rodarte, Lender: The Bank Of New York Mellon, Amount: $190,133, Property: 416 E 5th Ave, Longmont, Filed: 10/27/11 • Borrower: Judith Henderson, Lender: JPMorgan Chase Bank National Association, Amount: $226,747, Property: 12762 Woodland Dr, Longmont, Filed: 10/27/11 • Borrower: Hung Tran, Lender: Deutsche Bank National Trust Company, Amount: $378,527, Property: 824 Neon Forest Cir, Longmont, Filed: 10/28/11 • Borrower: Mary Colwell, Lender: The Bank Of New York Mellon, Amount: $427,845, Property: 2531 Eagleview Cir, Longmont, Filed: 10/28/11 • Borrower: Michael & Laura Veeder, Lender: JPMorgan Chase Bank National Association, Amount: $362,756, Property: 2344 Summitview Dr, Longmont, Filed: 10/31/11 • Borrower: Thomas Bennett, Lender: Bank Of America NA Successor, Amount: $191,889, Property: 1744 Spencer St, Longmont, Filed: 10/31/11 • Borrower: Karla Knoll, Lender: Citi-

11

mortgage Inc, Amount: $65,199, Property: 706 Kimbark St, Longmont, Filed: 11/01/11 • Borrower: Michael & Roxann Paxton, Lender: JPMorgan Chase Bank National Association, Amount: $183,687, Property: 1709 Centennial Dr, Longmont, Filed: 11/02/11 • Borrower: Christopher Butler, Lender: Wells Fargo Bank NA As Trustee, Amount: $387,317, Property: 9198 Jotipa Dr, Longmont, Filed: 11/02/11 • Borrower: Charles & Erin Bartko, Lender: Compass Bank, Amount: $134,350, Property: 1446 Wildrose Dr, Longmont, Filed: 11/01/11 • Borrower: Suzanne & Dale Soper, Lender: Wells Fargo Bank NA, Amount: $463,904, Property: 11321 Lookout Rd, Longmont, Filed: 11/01/11 • Borrower: Kip Zwickel & Barbara Shea, Lender: Deutsche Bank National Trust Company, Amount: $356,833, Property: 320 Crestridge Ln, Longmont, Filed: 11/01/11 • Borrower: Francisco Gaytan-Zavala, Lender: JPMorgan Chase Bank National Association, Amount: $188,099, Property: 107 E 15th Ave, Longmont, Filed: 11/02/11 • Borrower: Todd Valentine, Lender: HSBC Bank USA National Association, Amount: $150,614, Property: 10678 Durango Pl, Longmont, Filed: 10/27/11 • Borrower: Robert McClure, Lender: US Bank NA As Trustee, Amount: $304,458, Property: 111 Antelope Dr, Lyons, Filed: 11/02/11 • Borrower: Christopher Zietkiewicz, Lender: Citimortgage Inc, Amount: $212,827, Property: 234 Kiowa Rd, Lyons, Filed: 10/28/11 • Borrower: Phyllis Rodriguez, Lender: Bank Of America NA Successor, Amount: $187,880, Property: 106 Reed Rd, Platteville, Filed: 11/02/11 • Borrower: Mary Lappin, Lender: Bank Of America NA Successor, Amount: $124,990, Property: 407 Stevens Cir, Platteville, Filed: 11/02/11 • Borrower: Susan Brunkhardt, Lender: Bank Of America NA As Successor, Amount: $152,682, Property: 3035 Blue Sky Cir 10-206, Erie, Filed: 07/28/11 • Borrower: Steve & Roxanna Gallegos, Lender: Bank Of America NA Successor, Amount: $165,355, Property: 8015 Sunrise Ct, Erie, Filed: 07/29/11 • Borrower: Dusty Thompson & Thomas Shattuck, Lender: Citimortgage Inc, Amount: $135,294, Property: 2900 Blue Sky Cir 5-204, Erie, Filed: 08/02/11 • Borrower: Daniel & Marie Arneson, Lender: BAC Home Loans Servicing LP, Amount: $260,134, Property: 5893 Booth Dr, Firestone, Filed: 07/28/11 • Borrower: Jason & Gloria Medina, Lender: Wells Fargo Bank NA, Amount: $260,847, Property: 11470 Ebony St, Firestone, Filed: 07/28/11

12

Times-Call / Home & Real Estate Weekly

November 12, 2011

Open HOuse DIReCTORY FeATuReD HOMes Open Sat & Sun 11-4pm

Open Saturday 1-4pm

1637 Venice Ln

Longmont

Longmont

$233,000

1,400 Sq.Ft. Dual Masters, 2.5 Bath Oak Hardwood, Alder Cabs, Tile Counters Stainless Appliances,2 Car Attached Garage Low-Maintenance Energy Star Townhome

www.livebouldercreek.com • 303-502-5338

IMMACULATE HOME IN HOVER RIDGE! Beautiful 2 bedroom/3 bath town home is in move-in condition. Features include living room fireplace, upstairs loft area, private enclosed yard, large unfinished basement and two car attached garage. MLS #666872 Kathleen Winegardner • Metro Brokers/Kearney Realty • 303-817-0611

Day

Longmont

Units 1006, 1005, 1003, 308, 307, 305 & 204

Prices starting in the $150’s

$350,000

price

location

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

Unit #1003 Open Sat & Sun 11am-2pm

620 Gay Street

Milliken

2 Bed - 2 Bath - 1296 Sq Ft Historic Eastside Home Hardwood Floors - Stainless Steel Appliances

Open Sun 12-3

110 Traders Lane

Tracy Wilson/The Group Inc. • 970-567-0907

Longmont $266,000

$228,000

Open Fri-Sun 12-3

NEW CONSTRUCTION Pick your own fixtures, carpet & colors. Wonderful ranch style & 2-story home plans to choose from. Your choice of 3 great subdivisions to live in – Settlers Village – Colony Point or Centennial Farms. VALUE YOU CAN SEE…QUALITY YOU CAN COUNT ON with a WINDMILLS HOME. Visit us at 110 Traders Lane in Settlers Village. 100% FINANCING! NO MONEY DOWN!

Open Sat 12-2pm 809 Collyer St.

921 Hover Ridge Circle

LOCATION! LOCATION! LOCATION! Cottage bungalow in Old Town. Feels like home the minute you step inside. Beautiful updating throughout.

Gorgeous mature landscaping with court yards, ponds, secret garden walkways and an adorable front porch. Close to parks and restaurants. Make your private showing appointment today!

Tracy Wilson/The Group Inc. • 970-567-0907 Address

Hours

10818 Cimarron St Firestone

$154,900 - $173,500

Special 100% Loans & Down Payment Assistance Avail for NEWER 2 Bdrm, 2 Bath Condos w/ Attached Garages.

Enjoy Community Pool. Great Location!

From I-25 go East on 119 (1.5 miles) to Cimarron St, go right.

Pat Kahler • RE/MAX Traditions • 303-589-5752

Office

phone

Friday - Sunday

$150,000+

Milliken

110 Traders Lane

12:00 - 3:00

The Group, Inc/Wilson

970-567-0907

Saturday

$145,000

Longmont

1232 Atwood

1-3 PM

Coldwell Banker Res/Christine Torres

720-320-1405

Saturday

$148,000

Longmont

818 S. Terry St., 5A

1PM-3PM

Wright Kingdom/Dene Yarwood

303-808-0076

Saturday

$266,000

Longmont

809 Collyer St

12-2 PM

RE/MAX Traditions/John Lee

720-272-3028

Saturday

$315,000

Longmont

829 Tanager Circle

10:30-12:30

Wright Kingdom/Dene Yarwood

303-808-0076

Saturday

$315,000

Longmont

1333 Charles Dr # 21

12-2 PM

Coldwell Banker Residential Boulder/Ed Kellogg

303-817-2417

Saturday

$228,000

Longmont

921 Hover Ridge Circle

1-4 PM

Metro Brokers/Kearney Realty-Kathleen Winegardner

303-817-0611

Saturday and Sunday

$154,900

Firestone

10818 Cimarron Street

11am - 2pm

RE/MAX Traditions - Pat Kahler (Hostess: Heather)

303-589-5752

Saturday and Sunday

$233,000

Longmont

1637 Venice Lane

11am-4pm

Boulder Creek Builders

303-309-0088

Sunday

$179,900

Longmont

1049 Ponderosa Circle

1PM-3PM

Wright Kingdom/Rob Justis

303-817-0906

Sunday

$350,000

Longmont

620 Gay Street

12:00 - 3:00

The Group, Inc/Wilson

970-567-0907

Sunday

$569,000

Gunbarrel

7083 Indian Peak Trail

1PM-3PM

Wright Kingdom/Debbie Haubert

303-588-2128

OnlY $49!

Get a full color picture of your open house, the open house hours, address, price and your name and phone number featured at the top of our popular Open House Grid!

- Limited spots available per week on a first-come basis -

Call Thais Hafer 303.473.1456 hafert@dailycamera.com or Mark Webber 303-473-1452 webberm@dailycamera.com