Home and Real Estate Weekly

LONGMONT TIMES-CALL | ARTS & ENTERTAINMENT MAGAZINE | SATURDAY, NOVEMBER 19, 2011

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Renovation A simple upgrade or remodel can add value, enjoyment

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November 19, 2011

Is your home-renovation project really worth doing?

Article Resource Association

Maybe you’ve watched one too many home improvement shows. Perhaps you’re still stinging from that guest’s comment about how your kitchen countertop has seen better days. Or maybe you’re just really tired of the same old, same old every day.

Whatever the reason the remodeling itch has settled into your brain, before you bring in a contractor – or pick up a hammer – you should consider two important questions: How will you fund your project? And will it be worth it in the end?

A little research and credit self-assessment can answer both questions. In addition to pulling your credit report to see how likely you are to qualify for good loan terms, you should consider the potential resale value of the improvement, how it will improve your life and if it will enhance your enjoyment of your home.

Fortunately, it’s not difficult to evaluate the potential resale value. Kitchen and bathroom remodels, adding a deck, or finishing a basement or attic are all popular renovations because they upgrade the most-used rooms in the house or add living space.

In terms of resale value, here are some popular projects with high paybacks, according to Remodeling Magazine’s 2009-2010 Cost versus Value Report: • Adding an attic bedroom – 83.1 percent • Adding a wooden deck – 80.6 percent • Minor kitchen remodel – 78.3 percent • Major kitchen remodel – 72.1 percent • Basement remodel – 75.4 percent • Bathroom remodel – 71 percent Keep in mind that smaller remodels, while costing less than major jobs, can still have a major impact on how your

home looks and feels. For example, simply replacing that old front door with a steel version can cost around $1,000 but offers a return on investment of nearly 129 percent, according to the report.

Another factor to consider when weighing the value of any remodeling project is how it will affect your quality of life in terms of financial security. It’s important to be sure the cost of the project won’t be a financial burden that de-

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November 19, 2011

Gift Books for Gardeners Carol O’Meara

Colorado State University Extension

From simple pleasures to outright splurges, the season for giving is upon us. As you rush to buy gifts for your gardeners, consider giving them a gift they’ll treasure for years: books. As old fashioned as that may sound, having a couple of hard copy resources you can reach for when your hands are covered in dirt is priceless. Here are three can’t miss options: “Urban Homesteading: Heirloom Skills For Sustainable Living” by Rachel Kaplan and K. Ruby Blume (Skyhorse Publishing, $16.95).

Now in its second printing, this is a musthave resource for gardeners interested in making the most of the garden’s bounty. “For myself, I started getting concerned with the country’s direction about 10 years ago,” says Kaplan from her home in Petaluma, California, “I started growing food, doing food preservation. Homesteading kept arising as a good way to live; there’s so much joy in in unhooking from the machine. When you get into a repurposing lifestyle (using objects differently instead of throwing them away), you lower expectations and relax.”

Novices and experienced gardeners can find advice to suit their skills and needs, and you don’t need to overhaul your life to get started, says Kaplan. Though she puts up 100 quarts of food from her 600-square-foot garden, yearly, her advice is to start small. “It’s not like the De-

pression era, where we have nothing so need to convert everything. It’s little changes. Follow your appetite, follow your love; if you like food, start there, if your interest is water, start there. You can do this within your opportunities and lifestyle.”

Urban Homesteading is filled with hundreds of project ideas for how you can make the most of your property, from composting or worm bins to food preservation. Find it at urbanhomesteading.org.

“The Heirloom Life Gardener: The Baker Creek Way of Growing Your Own Food Easily and Naturally” by Jere and Emilee Gettle (Hyperion books, $18.83).

“People kept asking us for a book that had everything in it,” said Jere, who, with wife Emilee owns the Baker Creek Heirloom Seed company in Mansfield, Missouri. “There are a lot of books dedicated to just melons or squash, but people wanted a book that had a lot of elements within it, not just growing, but seed saving or harvesting, and varieties.”

The Gettles know first-hand the surging interest in food gardening; sales at their seed company have been increasing by at least 20percent per year over the past five years. “People have an interest in good food, and in growing food.” The varieties section is sure to please with its tips on growing and seed saving for

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each plant type, he said, but the travel chapter captured his heart. “It brings back so many memories for me; I find it interesting to travel and find seeds, to keep them going.” Find it at rareseeds.com/HG_Gardener .

“Slow Gardening: A No-Stress Philosophy for all Senses and Seasons” by Felder Rushing (Chelsea Green Publishing, $29.95). For sheer reading fun and plenty of wisdom, Slow Gardening is a joy from cover to cover. Rushing’s approach to gardening won’t appeal to everyone, especially if you’re hung up on insisting all gardens are meticulously groomed and planted to conform. Instead, Rushing celebrates the diversity of gardens and gardeners while giving practical tips on how to get the chores done without senseless repetition.

Easy to read, it’s perfect for winter perusal when most gardeners are making vows to make the upcoming season the “very best, ever.” And according to Rushing, the very best garden you can grow is the one that pleases you. Find it at local bookstores or at felderrushing.net/.

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.

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November 19, 2011

How to help your kids buy a home

By Michele Lerner bankrate.com

Traditionally — and when they could afford to — parents have provided cash to their offspring for down payments on homes. But in these days of tightened credit guidelines, some parents take bigger steps to help their kids become homeowners at today’s low interest rates.

Three factors determine whether it’s financially smart for parents to help adult children buy homes: the parents’ finances, the kids’ finances and the real-estate deal itself.

“The first rule of thumb is that parents should never get financially involved with their adult offspring unless they are adequately prepared to address their own needs and pending retirement, which may not be far down the road,” says Guy Penn, principal and founder of G.M. Penn Wealth Management in O’Fallon, Mo. Penn says while there’s no one-size-fits-all answer to whether parents should help their offspring buy a home, it definitely is a bad idea to pull money from a retirement account to give assistance.

Jeffrey Ivory, a partner with Stonebridge Financial Partners in Bingham Farms, Mich., says, “If parents are giving their kids downpayment money, they should be willing to lose that money and not get it back. If they are helping their kids by buying a home and renting it to them or by co-signing their loan, they need to have not only the liquidity for the down payment, but they also need to be certain they can pick up the mortgage payments if the kids cannot pay them.”

Parents should make sure they are helping their kids for the right reasons, Ivory says.

“If the kids can’t get a loan on their own, the parents really need to know why not,” says Ivory. “If the scenario is that your kids are going through a divorce or a job loss and you want to help them, tying them to a permanent location may not help. If they are dealing with the financial consequences of credit problems, helping them pay off their credit-card debt may be more important than buying a home. But if you are helping a young couple with stable jobs who just haven’t had time to save for a down payment, and you can easily afford to help, this could make sense.”

Ivory says parents should ask their kids to pull their credit scores and show it to them, and ask to see their paychecks and credit-card debt.

Ivory says parents should talk to their kids about the rules of thumb of homeownership, including keeping all total debt, including housing costs, to less than 38 percent of monthly income before taxes. Housing costs, including taxes, homeowner’s insurance, homeowner’s association dues, and principal and interest on the mortgage, should be less than 28 percent of gross monthly income.

Penn notes: “Parents rarely have serious money discussions with their children, and throwing money in their direction now may be doing more harm than good. Parents should be talking to their kids realistically about the hidden costs of homeownership like utility payments, maintenance and repairs.”

The simplest way parents can help their kids financially is with down-payment money.

Individuals can give $13,000 tax-free to another individual each year, Ivory says, so if two parents each give their offspring and their offspring’s spouse the maximum, they can give a total of $52,000 tax-free.

Most financial planners view co-signing a loan as the worst option because of potential damage to the parents’ credit and cash flow if the kids cannot make the payments.

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November 19, 2011

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5

Brother should be cautious of helping with short sale Q: My brother is in foreclo- bility if he goes through with sure on his house. He is trythis? ing to get someone to buy it I am seeking information in a short sale that will help him and then quitsee the danger, if claim the home any, to him and me back to him. I in pursuing this. think this is illeA: You are right to gal, but he’s been be cautious. A valid told the process short sale is when a is not being third party comes to checked out very a homeowner and thoroughly.

My problem is Ilyce Glink agrees to buy the that I agreed to Tribune Media Services home from that owner for a price that is finance his purinsufficient to cover chase of a new the costs of the sale and the home and he’s planning to payment to the lender. use my funding in this short sale situation. What is my liaThe lender will not allow the

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short sale to go forward if it knows that the sale is a ruse for the borrower to remain in the home. Most lenders will require the homeowner to sign various documents throughout the short sale process, and some of these documents address what your brother is trying to do. He would have to lie to the lender to get the short sale completed under these circumstances.

Whether lenders are “checking� these situations out or not shouldn’t be the question. Currently, the short sale process is one that allows a seller to get rid of his home and move on.

It might be wise for banks to consider a new option that would allow existing homeowners to remain in their homes at reduced payments, either by making the borrowers tenants or by modifying the loans to allow borrowers to remain in their homes.

However, in your brother’s situation, he’s better off selling the home, making sure the lender waives any deficiency judgment against him and renting a home nearby.

However, you shouldn’t become involved in a situation where you know that a fraud or wrong is being committed, especially by funding the fraudulent transaction. If you provide the funding for the purchase and it becomes a mess, you might not like where you end

up. You could lose all of your mone — or worse, be accused of perpetrating a fraud.

If you decide to proceed, make sure you do so with the aid of a real estate attorney.

Q: We’re right at the end of the time period for our refinance on our new 15-year mortgage application. The process has taken too long, but we got a good rate with no closing costs.

My husband and I have excellent credit scores, but he’s self-employed. Interest rates have gone down since we applied and we are supposed to close today. Can our broker shift us to a lower rate mortgage and not lose any money? We paid for the appraisal and credit check and we might be out that. What would a fair interest rate be for a no cost refinance?

A: Interest rates fluctuate daily. These days a 15-year refinance interest rate might be between 3.25 percent and 3.75 percent. And, if you don’t want to pay closing costs, it might cost you 1/8 of a percentage point more to go that route.

Once you’ve applied with a mortgage broker, that mortgage broker should have locked you in with a specific lender, and the mortgage broker is (or should be) committed to giving you the loan at the promised rate.

You can always ask the mortgage broker if he has options available for you. Usually, however, mortgage brokers can’t renegotiate the rate once it’s been locked. Your only options would be not to close, and lose whatever money you might have paid, or refinance with this lender now and then start the process over to get a lower rate.

It’s your decision to make, but it is worthwhile talking to your mortgage broker first and seeing if he or she has any suggestions or options for you.

Depending on the state in which you live, refinancing can be cheaper or more expensive.

Some states’ closing costs are rather high. In those states, your interest rate might have to go up substantially to cover recording, title and other expenses. In low-fee states, you might find that the difference is small between a no-cost refinance and the interest rate you otherwise could get.

You can look up interest rates in your area by going to the websites for some of the major banks or at www.BankRate.com.

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 (800-9728255) any Sunday, from 11a.m-1p.m.

EST. Contact Ilyce and Sam through her website, www.thinkglink.com.

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November 19, 2011

A ‘spring cleaning’ as part of Thanksgiving preparations

By Rosemary Sadez Friedmann Scripps Howard News Service

Thanksgiving is coming — and coming fast. It is certainly a nice holiday to look forward to, but if you are the host or hostess of the big Thanksgiving dinner, you might want to start getting the house clean and in good order for the guests.

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Let’s explore some ideas on how to “spring clean” in the fall.

When guests come for dinner, chances are they won’t be going through the closets doing an inspection of your neatness, so don’t worry about the closets — at least for this season. If you have overnight guests, consider clearing and cleaning the closet in the bedroom they’ll be using, but only that closet.

The spaces to concentrate on are all the visible areas. If you have time, you can vacuum under the furniture, but only if time permits.

Shelves, on the other hand, will be visible to all, so it is time to take all things off the shelves and dust. When putting things back, consider eliminating extra, unnecessary things so the shelves don’t appear cluttered.

Thoroughly clean the floors where the guests will travel.

This is important. Have you ever gone to a restaurant where the carpet is dirty? Do you feel like the place isn’t all that sanitary? Not a very appetizing atmosphere, is it?

Ah, the bathrooms. Here again, picture a restaurant. Fancy restaurant have fancy and clean bathrooms. Even not-toofancy restaurants that have clean bathrooms make you feel a little more comfortable eating in that establishment. Be sure there is a fresh roll of toilet paper and an extra roll or two on hand as well.

A fresh bar of soap or a full container of liquid soap lets guests know you want to make it all perfect for them. Clean, fresh hand towels are a must. Clean the grout in the shower.

If the shower curtain needs to be replaced, do it.

What about the kitchen? Try to keep everything wiped clean — a challenge, of course, considering all the cooking that will be going on. Organize shelves.

Empty the garbage just before guests arrive. Spray the garbage container with odor remover to remove any garbage smell. Don’t use anything with too much scent — the smell of the cooking food should be the allure. And be sure to have an empty dishwasher, because you’ll need all available space after the big dinner. Have extra dishtowels out and available for anyone who might want to help with cleanup.

If you run out of time and don’t get to all the bedrooms before the big day, simply close those bedroom doors.

Done. Now enjoy your guests.

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.

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November 19, 2011

Times-Call / Home & Real Estate Weekly

7

Bankruptcy, foreclosure raise hurdles for new loan bankrate.com

Buying a home is a challenging goal for most hopeful homeowners. But for those who have experienced a bankruptcy, foreclosure or short sale, the hurdles are even higher.

Still, it’s not impossible to buy a home after an adverse financial event, says Dan Keller, a mortgage banker with Hometown Lending in Everett, Wash.

In fact, Keller says, people who have cleaned up their credit and are otherwise qualified to get a mortgage can buy a home as soon as they have outlasted a prescribed waiting period after the bankruptcy, foreclosure or short sale.

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The waiting period can last one to seven years, says Kirk Chivas, chief operating officer at First Commerce Financial in Wixom, Mich. The one-year requirement applies to buyers who completed a Chapter 13 bankruptcy, have a spotless subsequent credit history and want to get a new loan insured by the Federal Housing Administration, or FHA, or guaranteed by the U.S. Department of Veterans Affairs. The seven-year requirement applies to buyers who experienced a foreclosure and want to get a new conventional loan that can be sold to Fannie Mae or Freddie Mac. In between are a number of two-, three- and four-year timelines based on

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time of a short sale to get a new FHA-insured loan with no waiting period, Chivas says. But he’s never encountered anyone in that situation.

Buyers must have very clean or perfect credit histories before they can buy homes after bankruptcy, foreclosure or short sale. A slip-up as small as one late credit card payment could disqualify a post-bankruptcy buyer from some loan programs, even if the waiting period has been completed, Keller says. “Bankruptcy is a serious word,� he says. “If you do it, it’s a get-out-jail-free card. But once you get out of bankruptcy, you need to be flawless in your

similar criteria and such other factors as whether the buyer’s previous mortgage was current at the time of a short sale or the size of the buyer’s new down payment as a percentage of the home’s purchase price.

Generally speaking, the waiting periods after a bankruptcy tend to be more black and white while those after a foreclosure or short sale have more gray areas, Keller says. A waiting period sometimes can be waived or shortened if the buyer’s bankruptcy, foreclosure or short sale stems from extenuating circumstances or a hardship beyond his or her control.

Technically, it is possible for a buyer whose prior loan wasn’t in default at the

1683 Radcliffe Place

AMAZING 1534 sq. ft. IN-LAW UNIT W/MTN VIEWS, Kit., Din area, 2bedrms, 2 baths,Gas Frplc, Cov Patio,2 Car att gar, fenced yard w/water feat.,Priv drive, entry & laun, all on the walkout level of this FABULOUS 2 story w/3 bedrms,3 baths & 5454+/-tot.sq.ft. Grand living spaces incl. BIG remodeled gourmet eatin kit., BIG mster w/lux bath, & priv balcony. 3 car att. gar. Near lake,golf, park,schools & trail.

$625,000

Continued on 8

Your Source to all things Home & Real Estate!

9455 Crystal Lane

INCREDIBLE HOME W/AWE INSPIRING MTN VIEWS on pastoral 10 (+/-) acre lot gated subdiv. 4 Bed, 7 Bath w/ 8814+/-tot.sq.ft. Flawless attention to detail, Mstr w/Morning Bar,19x18 retreat w/see-thrufrplc,Library/Study. Gourmet kit. w/Butler’s Pantry, PotFiller Sink at Gas Cktp, Alder Cabinetry, Walkin Pantry.

Elevator to Wlkout Bsmt w/In-law suite, Lg. Rec.Rrm w/frplc, wine cellar, MultiPurposerm(5thBedrm).Wraparound Deck & More!

$2,500,000

For Further Details Of These Listings And:

TO SEE ALL OF DIANE’S LISTINGS

With Detailed Information, Multiple Photos & Virtual Tours,

VISIT:

www.TimesCall.com

By Marcie Geffner

w w w . d i a n e s t o w . c o m Email:

diane@dianestow.com

Re/Max Traditions, Inc. 2204 18th Avenue (303) 772-3800

$232, ,000 $232,000 OPEN SUN 11-2 New Construction. 2 story, 3 b beds, d 3 baths, 3 car tandem garage, A/C, fireplace, hardwood floors, loft area, study on on main, main n, 5 p piece iecee bath, bath, & much more.

Drawing for gift card to all visitors who register!

970-213-3603

970-669-1234

llanettespotanski@remax.net a

Other Amenities

Washer/Dryer Hook-ups

Washer/Dryer Facilities

Pets

advised to consult a loan officer or mortgage broker early for advice.

“You want to speak to someone as soon as you start dreaming it up in your head” that you want to buy a home after a bankruptcy, foreclosure or short sale, Chivas says.

$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

# of Baths Lease Required

Address Phone

Complex Name

Credit dings can be difficult to sort out for buyers who experienced a loan

# of Bedrooms

credit. Don’t even drop a gum wrapper.”

items.

Stable employment can be a plus, Keller says, noting that some loan programs are more lenient than others. “If there was a gap, it needs to be explained.”

Given these complexities, buyers are

modification or short sale, in part because, as Chivas says, there’s “no consistency” in how lenders report those events to the credit bureaus.

Buyers should review their credit reports and correct any errors or clarify the circumstances of adverse

Deposit

Continued from 7

November 19, 2011

Allow Smoking?

Times-Call / Home & Real Estate Weekly

Price Range

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

November 19, 2011

place your ad

Times-Call / Home & Real Estate Weekly

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:

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

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2219 SHERMAN ST, Tri-level is ready for your finishing touches.

3 bedroom, 2 bath needs some TLC, then you can reap the rewards of home ownership. $144,900

1971 AMETHYST DR. Gourmet kitchen, new appliances, fresh paint, new carpet and vinyl. All you need to do is move in and enjoy! 5 BR / 3 BA / 3 Car Garage with partially finished basement. $494,900

8707 WILD HORSE WAY, FREDERICK Beautiful 4BR/3BA/3Car is ready for the moving truck.

Fresh paint and carpet, master bath suite with sitting room, tons of upgrades. $334,900

106 DAWSON PL., DUPLEX perfect for the owner occupant to live on one side and rent the other! TLC will turn this into a great property. $149,900

24-26 CEDAR CT., Discover the terrific income potential here. Duplex in great central location needs some TLC, has plenty of off street parking available. $168,500

384 CONRAD DR. Move right into this 3 BR, 3 BA home with beautiful flagstone patio. Newly updated and ready to be enjoyed! $218,900

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www.longmont-realty.com

5000

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LONGMONT REALTY

629 Terry St., Longmont

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

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5000

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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

Financing available Pet Friendly

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4eaglecrest.com

Mobile Home For Sale

For Sale or Lease 3 BDRM single & double wides- family park. 303-772-3240 LONGMONT 3 br 2 ba Central A/C, fenced yard, Like new, Remodeled, Located in over 55 Mobile Home Park (303) 377-1668.

Mobile Home 1971 Magnolia $6000 needs work.

720-254-7763 OPEN HOUSE Sat 11/26 1-3pm 3BR, 2BA Eagle Crest 10901 Autumn St., Firestone $37,500 Seller financing avail.Call 303-725-8388 or 303-459-2711

6000

Homes for Rent

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

*Expires 11/30/11[]

2 BDRM, 1 BA ranch, N/S, N/P, 2 car gar, A/C, frpl, $985+ dep, Sr disc. 303-746-9395

Mobile Home For Sale

2 BDRM APTS, Starting at $650 Avail now! Sorry no pets.

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5007

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5007

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

Swamp cooler & new hot water tank.

Over 55 Community.

Asking $10,000 303-776-7630

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 643 Terry 3BR 1.5BA Garage. $1000/mo.

RMG Realty 303-772-4466

6000

Homes for Rent

3BR 1.75BA 1400 Sq Ft, 2-Car Garage, Large Deck, Fenced Back Yard. New Carpet & Paint. Close to Park.

1200/mo, $1400 dep.

303-877-3687.

6 Individual private suites in spacious beautifully appointed, fully furnished Mtn Chalet. avail. Jan 10 to April 28, 2012. Perfect for faculty/grad student on sabbatical/scholarship study.

Chef’s kitchen, library, indoor pool, exercise room. Located approx. 50 min. from the CU campus in Allenspark w/ easy access to Hwy 7. $1500/mo: shorter stays negs.

Call 303-747-0887

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List your stuff and get it done.

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Items $500 or more: $10, 5 lines, 30 days.

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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 Frederick 3BR, 1BA in dwtn fncd yard, newly remodeled $945/mo 516-984-8922 Longmont 3BR, 2+BA, spacious, 2 car gar, A/C, W/D hookups, 2000sf, great cond. $1600 303-483-1724

Real Estate

10

Times-Call / Home & Real Estate Weekly

6000

Homes for Rent

303.466.3636 BOULDER/BROOMFIELD/LONGMONT OR 970.635.3650 LOVELAND OR FRONTRANGECLASSIFIEDS.COM 6001

Apartments for Rent

6001

Apartments 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

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

1 & 2 BR Apt. Homes Victoria Inn Apts.

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

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Classified Ads get Results very, very fast!

6001

Apartments for Rent

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

(303)774-8000

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

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

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

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

VALUE PLACE FIRESTONE Extended Stay Hotel $179.99/wk for Single Studios.

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*

Classified Ads get Results very, very fast!

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

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.

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

720-334-0695

for 6005 RentApts.

Furnished

Call 303.466.3636 or 970-635-3650

Male/Fem to share home. $400/mo $200/dep. Inc utils.

303-776-6677

1007 Pearl Street, 553 sf, 1,033 sf, 1,812 sf $20 / sf NNN, Call Doug or Bo at 303-443-8850

Share small house in Old Town Lgmt. Pets OK, mo-to-mo or 6 mo lse. $375/mo + 1/2 utils 303-772-1967

6016

for Lease

Call 303.466.3636 or 970-635-3650

Duplexes

Lg 1BR 1BA: New Carpet. Gas & H20 pd N/P. 431 Main St $600. 303-931-4926.

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

6017

Indust./Comm’l for Lease

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

Place your ad.

Call 303-466-3636 or 970-635-3650

PLACE YOUR AD.

WHEATON DRIVE, FORT COLLINS CO -$575, 1 br, 1ba, 1 Car Attached gar. ,heat, water, Elec, DW, Nr Pub Transp, NewlyRen, WD, Hw Flrs, AC,Eat-in-Kitchen, large /smalldogs allowed, garbage, storage space, parking, mandown2348@ yahoo.com for arrangements.

Office Space for Lease

3 Downtown Boulder offices for lease

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

6016

1BR in clean 2BR home, storage, W/D, yard. Refs. req’d $575 /mo 303-702-0643

TURN USED ITEMS into Quick cash with Classifieds!

2BR, 1.5BA Townhome W/D, 2 car gar., AC Retail Space $935/mo No pets. Call 6015 for Lease Mark 303-417-0668 2773 SQ FT- Busy Heritage Townhome shopping center, Immaculate! 2200sf, 1116 Francis St, $825.

2BR, 2 living areas, Alert RE 303-776-5156 2.5BA, study, fp, deck $1450 303-442-8693 Office Space

6007

PLACE YOUR AD.

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

TURN USED ITEMS into Quick cash with Classifieds!

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

Space 6018 Storage 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

JOBS. WHEELS. HOMES. STUFF.

FIND IT. SELL IT. FAST.

FIND IT. SELL IT. FAST.

PLACE YOUR AD:

November 19, 2011

November 19, 2011 Real Estate Transactions are supplied by Prospects Unlimited Inc., www.prospectsunlimited.com, 303-979-9536.

Longmont • Marina Sicaras from Carolyn S Pemberton Trust, 1238 Collyer St, Longmont, $195,000, home • Pamela Pierre from Kurt Brady, 2101 Bowen St, Longmont, $157,500, home • Stephen & Velia Wilder from Don Chandler, 945 Hover Ridge Cir, Longmont, $216,500, home • Eliza & Eric Klinger from Fannie Mae, 1690 Judson Dr, Longmont, $209,700, home • Jason Jolly from Brian Hansen, 3389 Larkspur Dr, Longmont, $264,300, home • John & Karin Higgins from Jeremy Martin, 156 Sunset St, Longmont, $115,000, home • Steven & Lori Miller from Maurice S Helen M Closs Trust, 1439 Beatrice Ct, Longmont, $215,000, home • Walid & Hend Seif from Athena Nagi, 5244 Bella Vista Dr, Longmont, $375,000, home • Erich & Sara Dipert from James Nicolaus, 128 Bowen St, Longmont, $182,600, home • Joanne & James Robinson from Hans Ruhnke, 1411 Pinewood Ct, Longmont, $225,000, home • Christopher Brown from Michael Settles, 2209 Smith Dr, Longmont, $249,900, home • Karen Rank from Brian Artzer, 723 Ridge Creek Ct, Longmont, $410,000, home • David Starnes from BAC Home Loans Servicing, 929 Tenacity Dr, Longmont, $327,600, home • Kristin Baird from Michael Lewis, 8625 Portico Ln, Longmont, $1,175,000, home • Steaven & Beth Landon from Jeffrey McBride, 1346 McClure Dr, Longmont, $189,900, home • Lawrence Birdsall from Joaquin Melendez, 3331 Mountain View Ave, Longmont, $202,800, home • Dennis & Deborah Precht from Constance Moehle, 9189 Fleetwood Ave, Longmont, $232,000, home • Helen Landers from Jerome Robinson, 1419 Red Mountain Dr Unit 63,

Longmont, $130,000, condo • Anthony & Gillian Bozanic from Solar Village One LLC, 2010 Ionosphere St Unit 10, Longmont, $99,000, condo • Sarah Bonsall from Tim Starr, 927 Grant St, Longmont, $130,000, home • Tonia Niforos from Charlene Trepke, 6691 Saint Vrain Rd, Longmont, $320,000, home • David & Lisa Hambly from Robert Winnicki, 2118 Seaway Ct, Longmont, $435,000, home • Ann Bail from Aurora Loan Services LLC, 180 Mount Massive Way, Longmont, $165,100, home • Marilyn Ewing from Colorado Oaks LLC, 2445 Santa Fe Dr Unit D, Longmont, $282,700, condo • Kyle & Erica Murphy from Lennar Colorado LLC, 1728 Trevor Ct, Longmont, $265,900, home • Matthew & Anna Carter from Michael Mutmansky, 1512 Ashcroft Dr, Longmont, $238,500, 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 • Brad Hunting from Jennifer McNeill, 5614 W County Road 8E, Berthoud, $420,000, home • Thomas & Denise Londrigan from Mountain High Home Builders In, 905 Wilshire Dr, Berthoud, $285,900, home • Zachariah & Shara Larson from Dee Sherrill, 500 Mayo Ct, Berthoud, $299,900, home • Jon & Erica Eggers from Fannie Mae, 480 Capitol Ave, Berthoud, $230,000, home • John & Kerri Atkinson from George Krem, 1121 Jefferson Dr, Berthoud, $244,500, home • Jacob Hains from Neil Swedbergh, 1405 N 4th St, Berthoud, $169,500, home Dacono • Miller LLC from Sanchez Invest LLC, 730 Glen Creighton Dr, Dacono, $226,000, home • Dennis & Kathy Cooper from Eagle Meadow Llc, 3902 Kestrel Rd, Dacono,

Simplify your

HOME SEARCH

Times-Call / Home & Real Estate Weekly

$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 • Matt & Mandy Palmer from Judson Standard, 2202 Bayberry Way, Erie, $292,000, home • Robert Watson from Todd Kannegieter, 782 Pope Dr, Erie, $445,000, home • Timothy & Stacy Potten from Stuart Morigeau, 2894 Hughs Dr, Erie, $350,000, home • Bradley & Tara Lewis from Travis Declerck, 2168 Pinon Cir, Erie, $415,000, home Firestone • Jason & Jill Larson from Michael Childers, 6984 Sunburst Ave, Firestone, $275,000, home • Barry & Michelle Zitting from DFS Invest LLC, 5973 Tenderfoot Ave, Firestone, $272,500, home • Raymond & Giuliana Cundiff from Dion Eads, 5785 Silverleaf Ave, Firestone, $237,000, home • Tonya Murray from Fannie Mae, 167 Buchanan Ave, Firestone, $169,000, home • Shawn Dunkin from Journey Homes LLC, 5175 Remington Ave, Firestone, $213,000, home • Scott & Traci Morrison from Harold Teller, 5930 Shenandoah Ave, Firestone, $175,000, home • Barry Lasalle from Wendell Ito, 5392 Remington Ave, Firestone, $214,000, home • Jonathan & Angela Dykhuis from Debbie Schenkelberg, 10241 Echo Cir, Firestone, $205,000, home Fort Lupton • Mayra Zamora from Thomas Allen, 16245 Good Ave, Fort Lupton, $98,000, home • Vianey Carreon from Jason Larson, 285 Wagonwheel Dr, Fort Lupton, $169,000, home • Wayne & Karen Phillips from Iris Matney, 10967 Blue Sky Dr, Fort Lupton, $296,000, home • Leonard & Sherri Toews from Bev-

erly Lambrecht, 5535 County Road 23, Fort Lupton, $400,000, home Frederick • Anthony & Marva Defalco from Anthony Defalco, 5009 Mt Osage St, Frederick, $220,000, home • Michael Ciembronowicz from Todd Marriott, 9000 Eldorado Ave, Frederick, $232,000, home • David & Sarah Maples from Gary Knight, 5546 Drake Way, Frederick, $259,200, home • Travis & Heather Ledgerwood from Saint Aubyn Homes LLC, 9067 Sandpiper Dr, Frederick, $257,500, home • Ching Lor from Melody Homes Inc, 4473 Bramble Rd, Frederick, $229,900, home Lyons • Julia Rider from Mary E Essex Living Trust, 87 Riverside Dr, Lyons, $125,000, home • Richard Johnston from Andrew Kiruluta, 637 1st Ave, Lyons, $440,000, home Niwot • Andrew Robertson from Eileen John Josey Living Trust, 7173 Burgundy Dr, Niwot, $470,800, home • Michael Huffman from Mike Hildreth, 7522 Monarch Rd, Niwot, $418,000, home Platteville • Belle Buchholz from Highland Properties 511 LLC, 4830 County Road 34, Platteville, $350,000, home • Ryan & Elisha Mcwilliams from Plumb Constr Inc, 313 Disc Ln, Platteville, $257,900, home Foreclosures – notice of election and demand • Borrower: Michael & Marnita Kaumans, Lender: The Bank Of New York Mellon, Amount: $1,000,000, Property: 6565 Legend Ridge Trl, Batesburg, Filed: 11/04/11 • Borrower: Thomas Blair, Lender: JPMorgan Chase Bank National Association, Amount: $151,663, Property: 744 Bunyan Ct, Berthoud, Filed: 11/03/11 • Borrower: Lori Langerak, Lender: Onewest Bank FSB, Amount: $126,888, Property: 316 E Iowa Ave, Berthoud, Filed: 11/09/11

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

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

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Times-Call / Home & Real Estate Weekly

November 19, 2011

OPEN HOUSE DIRECTORY FEATURED HOMES Open Sat 12-3

Open Fri-Sun 12-3

Longmont

Milliken

620 Gay Street

110 Traders Lane

$350,000

Prices starting in the $150’s

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!

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!

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Longmont

$233,000

Price Reduced Over 20k! Luxury Ranch 2bd/2ba Condo. BRAND NEW CONSTRUCTION! Attached garage.

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Ajax Real Estate, LLC • Cheryl Sample 303-678-8830 Address

Low-Maintenance Energy Star Townhome

www.livebouldercreek.com • 303-502-5338 Hours

Office

Phone

Price

Location

Friday-Sunday

$150,000+

Milliken

110 Traders Lane

Fri-Sun 12-3

The Group, Inc/Wilson

970-567-0907

Saturday

$350,000

Longmont

620 Gay Street

12-3pm

The Group, Inc/Wilson

970-567-0907

Saturday

$255,000

Longmont

1608 Oak Ridge Lane

10:00am -12:00pm Coldwell Banker Res Brokerage - Torres

720-320-1405

Saturday

$328,000

Longmont

2136 Springs Place

1PM-3PM

Wright Kingdom/Mary Colwell

303-775-7135

Saturday

$359,900

Longmont

621 Glenarbor Circle

1:00pm - 3:00pm

Coldwell Banker Res Brokerage - Torres

720-320-1405

Saturday and Sunday

$189,000

Longmont

2405 Calais Drive, Unit F

11-3pm

Ajax Real Estate, LLC/Sample

303-678-8830

Saturday and Sunday

$233,000

Longmont

1637 Venice Lane

11am - 4pm

Boulder Creek Builders

303-309-0088

Sunday

$232,000

Johnstown

2121 Blue Wing Drive

11-2 pm

Re/Max Alliance/Spotanski

970-213-3603

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