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July 16, 2011

On Deck Tips for refinishing your deck

Sun Safe Gardening Local Realtors can help home buyers through loan process

Times-Call / Home & Real Estate Weekly

July 16, 2011

Tips for refinishing your deck By Alyssia Payan

Longmont Times-Call

Now is the time to refinish that deck you’ve been putting off since summer began. Let’s be honest, deck refinishing seems to always be a dreaded task because it’s time consuming and expensive. With a little annual upkeep, your outdoor living space can be ready for your next barbecue on the calendar, without a huge cost. Refinishing a deck can cost at least $3 per square foot if you hire a company to

do it. Depending on how large your deck is, it can add up. Beau Harding, owner of Boulder Decks agrees. “It’s absolutely cheaper to do it yourself. If you rent the tools and put in the time you could spend only a few hundred bucks.” Doing it yourself can save you big bucks, but if you don’t do it right, your deck could be a disaster. “So, pay attention and listen to the recommendations you find in your research.” Test Your Deck Give your outdoor living space a closer look, and if it’s peeling or faded, the wood needs new stain (about every three to eight years). You can also try a water bead test to determine if your deck needs a sealant touch-up. Simply, pour some water on the surface and if the water beads then you are good to go. If the water soaks into the deck, it doesn’t pass the test. Usually, a sealant needs to be added every one to two years. If the wood on your deck is cracking or splitting or has rotten boards then

Photos courtesy of Boulder Decks

those need to be replaced – refinishing it will not do any good. If your deck needs refinishing, don’t fret. You can have it back to being beautiful in a weekend. Where to Start After you have decided your deck needs a revamp, you’ll need to plan it out and pick a good time. Harding suggests picking a weekend

when the weather is about 50 to 100 degrees. Keeping the weather in mind is important because you don’t want it to be scorching hot or too cold. After you pick a weekend, it’s time to prep your deck. Start by inspecting for loose nails and rough spots, then give your deck a power wash. Power washing removes grease, dirt and ground-in material on the surface

July 16, 2011

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Times-Call / Home & Real Estate Weekly

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that a hose will leave behind. “It is critical to pay attention and listen to the recommendations for power washing your deck” Harding says. “You could damage your deck really bad if you don’t. Google the wood type and the pressure gauge for your deck before you start.” Put Your Plan into Action Now that your deck is nice and clean, it’s time to start on the sanding and staining. Research what your deck has before starting. If you have a painted deck, you might need to sand or strip the existing coat. If your deck only has a clear finish, then neither is needed. When sanding, Harding recommends making sure it’s evenly sanded. “I’d start with a harder grit (sandpaper) first and then go over it with a second sanding using a fine grit. Anywhere from 100 to 150 but it depends on the type of wood you have,” Harding says. After all of the former paint is removed, you can apply the new stain. Start with the smaller nooks and crannies and work toward the larger areas. This prevents mishaps, such as not being able to reach the nooks and crannies, while the larger area is drying. It’s about maximizing your time. Now that your deck is back to looking new, get out there and enjoy it. Colorado has more than 300 sunny days a year and there’s no sense in spending them inside.

1592 Brimble Drive Sunny & bright. 3 bed/3 bath. Wonderful! www.1592.wkre.com $235,000 Janet Borchert 720-564-6034

On the Cover

Refinishing your deck can be easy if you do it correctly. (Courtesy ShutterStock)

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4954 Carter Court, Gunbarrel Fabulous super quiet end unit townhome! www.4954.wkre.com $309,900 Karolyn Merrill 303-517-2527

7295 WCR 23, Fort Lupton 4 lots from 8-62 acres! www.7295.wkre.com $99,900 Jim Green 303-775-2553

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1459 Cherrywood Way, Longmont Expansive 6 bedroom home! www.1459.wkre.com $374,900 Mary Colwell 303-775-7135

11833 WCR 39 Road, Fort Lupton Great home in the Country-8.5 acres! www.11833.wkre.com $298,000 Terry Mulkey 303-588-8750

1363 Carlson Avenue, Erie Immaculate! Views! One Acre! Must See! www.1363.wkre.com $725,000 Karolyn Merrill 303-517-2527

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

Summer Stair Jade Cody

Specialty Publications Editor

sstair@times-call.com, 720-494-5429

Specialty Publications Associate Editor

jcody@reporter-herald.com, 303-684-5275

News and Press Releases

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 email, 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.

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Times-Call / Home & Real Estate Weekly

July 16, 2011

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Protect yourself from the sun older increases the chances for It nurtures the seeds, warms skin cancer, since cumulative the soil and with it the plants exposure throughout a lifetime we love blossom. But the sun is part of the risk factor. that’s warm on our face is also wreaking havoc on “Scientists had our skin, and garbeen thinking that deners need to be the most dangerous savvy about sun sun exposure you protection. get is as a child; but a new study shows “Sun does a lot of older humans can good; it’s good for get just as much mental health and risk, or you make it makes you feel worse,” she says, by great. And 10 to 15 minutes per week is Carol O’Meara heading outdoors what you need for Colorado State once retirement arvitamin D,” says University Extension rives. Since gardening is a popular pasMary Buller, chair time, keep yourself of the Skin Cancer Task force of the Colorado Can- safe with a few tips: cer Coalition. “But more people • Schedule your gardening are getting melanoma in Colaround peak UV hours of 10 orado than in the rest of the a.m. to 4 p.m. Climbing temUnited States. It’s a combinaperatures work in our favor by tion of three things: our altidriving us indoors during the tude, 300 sunny days per year heat of the day. Cool mornings and outdoor lifestyle.” and evenings are the best time That outdoor lifestyle is what to garden and stay sun safe. puts gardeners at risk, puttering • Be smart when using sunaway in our yards under the screen. SPF rating will tell you broiling sun. That we spend two things: how strong the sunscreen is and how long it lasts. more time out there once we’re

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Lotion with SPF 15 blocks 93 percent of UVB, SPF 30 96 percent; beyond that there is a diminishing return on benefit versus cost, Buller says. “It’s impossible to block a 100 percent UVB, so the higher numbers – that often cost more – might not be a good purchase.” Better to purchase slightly lower numbers and reapply more often, but to ensure protection, know how long your sunscreen lasts. Though that is unique to each person, Buller gives a simple equation for planning reapplication. “Take the number of minutes it takes for your skin to redden and multiply it by the SPF. The total is the length of time, in minutes, that sunscreen will work.” For example, if you redden in 12 minutes and use SPF 30, you should reapply it every six hours. Not reapplying sunscreen often enough is one reason many end up sunburned, says Buller, but how you apply it is also a factor. A full ounce should be slathered on each time you apply it, using the two-finger method found on their website, sunsafecolorado.org/. Keep in mind that sweating reduces the length of time between applications, sometimes as often as every 40 minutes. A combination of cover up and sunscreen is the best option for gardeners, so toss on a wide brimmed hat, slacks and shirt with long sleeves before heading out. Inexpensive, sun protective, lightweight clothes made from wicking fabric take the heat out of covering up. But if your budget prevents you from purchasing new clothes, grab a long sleeve shirt from your closet; as long as the fabric is tightly woven it helps. “Hold it up to the light, and if you can’t see light coming through it, that’s best.” Darker colors absorb UV, while white is better at reflecting it. 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 gardeningafter five.wordpress.com.

July 16, 2011

Times-Call / Home & Real Estate Weekly

Buyer should provide appraisal for short sale youâ&#x20AC;&#x2122;ve agreed to pay, the lender maybe try to pressure you into paying more money. Many short sale lenders request a copy of the buyerâ&#x20AC;&#x2122;s appraisal. In some cases, the short sale lender may have obtained its own appraisal but wants additional verification as to the value of the home. If your appraisal is at or near the price you have agreed to pay for the home, the bank can use that information to reassure any investor that will have to take a loss on the mortgage that it should allow the short sale to proceed. However, if the appraisal is way above the purchase price for the home, the short sale lender and the investor may suspect that the buyer is taking unfair advantage, and may request that the buyer bump up the purchase price to close on the home. While you may be paying most or all of the

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costs to purchase the home, you need to remember that if the short sale lender and its investor are taking a big hit in allowing the short sale to proceed, they want to make sure they are getting the most out of the sale. If your appraisal is at about the purchase price and you provide the appraisal, you can only hope that the short sale lender comes back shortly with an approval on the sale. With a short sale, the sellerâ&#x20AC;&#x2122;s lender holds all the cards. If you want to get the deal done at the price you offered for the home, youâ&#x20AC;&#x2122;ll have to play by the lenderâ&#x20AC;&#x2122;s rules. For more details, consult with a real estate attorney.

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Q: We are closing on a house next week. Itâ&#x20AC;&#x2122;s a short sale in a nice neighborhood at a huge discount. All the papers are in order. The deal went smoothly but took eight weeks. The sellerâ&#x20AC;&#x2122;s bank wants a copy of the appraisal from my lender that I paid for. The sellerâ&#x20AC;&#x2122;s lender is not paying any closing costs or putting anything into the deal. Do I have to send them the report I paid for? A: You are not legally obligated to send the sellerâ&#x20AC;&#x2122;s lender your appraisal, but then again the sellerâ&#x20AC;&#x2122;s lender is not obligated to let the short sale go forward. If you donâ&#x20AC;&#x2122;t provide the appraisal, the bank may not agree to let you close on the property. If you do provide it and it shows that the value of the property is way above what

Other Amenities

Lyons • A. Ross from B. Guion, 158 Stone Canyon Dr, Lyons, $515,000, home

Washer/Dryer Hook-ups

Washer/Dryer Facilities

Pets

# of Baths Lease Required

• Joseph & Carrie Sack from Virginia Thomas, 13750 County Road 8, Fort Lupton, $185,000, home

Frederick • John & Celeste Parker from No Name Creek LLC, 5541 Drake Wy, Frederick, $308,700, home

$885$890

$835$840

Yes

Victoria Inn

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$250

1, 2

1, 1¾

Yes

In each apartment

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The Shores at McIntosh Lake

$729$1200

$100 $200 $300

1,2,& 3

1,2

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Yes

1, 2, 3

1, 2

Yes

Pets Neg.

Yes

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1, 2

Yes Short Term Available

Yes

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

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2400 17th Ave. • 303-772-4667

Longmont, CO

• Jim Ferguson from HSBC Bank USA, 1703 Aspen St, Fort Lupton, $81,100, home

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

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

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

1566894

# of Bedrooms

Address Phone

Complex Name

Firestone • Charles & Patricia Schonberger from Andrew Brueggeman, 10792 Ebony St, Firestone, $227,000, home

Fort Lupton • Eric Wilkin from James Beliveau, 2041 Weld County Road 27, Fort Lupton, $70,000, home • Vehicle Inc from Enander Real Estate Family LP, 15549 Highway 52, Fort Lupton, $1,150,000, home

Deposit

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

July 16, 2011

Allow Smoking?

Times-Call / Home & Real Estate Weekly

Price Range

$789$1239

$12401625

$200

$12401625

1, 2, 3

1, 2

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

Real Estate Homes for Sale

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Mobile Home For Sale

5019

Farm/Ranch For Sale

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6000

1142 FRONTIER DR, near hosp, immac 3 bdrm, 1.5 ba, fam rm, 1 car, $1250 303-859-3815

118 Merideth Ln 5 bdrm, 2 ba, 1 car gar, lg fam rm W/D $1500. Pennant Inv. (303)447-8988.

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*Expires 8/31/11

1 Newly Remodeled

5015

NW Lgmt 2bd 2ba 2car gar, with New carpet, paint, tile, full bsmt, w/d hookup, fncd bkyd. $1095/mo 720-280-1589

Lots & Tracts

2.8 ac w/ domestic & irrigation water. 2 mi So of Berthoud. Great views, good bldg site. $79,500 Call Mark at ERA Tradewind. 303-684-6335

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2, 3, 4 Bedroom Homes 639 Independence, 154 Grant St, 1617 Alpine St, 453 Verdant Cir, 504 St Andrews, 1100 Kansas Call PMP 303-776-RENT Exceptional Ranch 3BR + study, AC, fp, 2000 sq ft plus unfin bsmnt $1400 303-442-8693

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Open Houses

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OPEN SAT 10-12 | SUN 1-3

1023 EICHHORN DR., ERIE Fabulous 3 BR 2 story with main ﬂoor master, 3 BA including a 5-pc. master bath. This 3693 total Sq. Ft. home features formal dining, huge eat-in kitchen and large loft, dbl. garage. $269,500

Farm House, East of Union Res., updated, A/C, 3BR, 1BA, basement, 2+ car gar, must see to appreciate, beautiful views, ready now! $1550/mo 720-532-9133

MEAD- 16242 Ginger Ave, 3 bdrm, 2.5 ba $1495 Call PMP 303-776-RENT

1602 BLUEFIELD AVE. Tons of space for the money here! Fresh paint and carpet compliment all the upgrades including hardwood ﬂooring, tile, and large backyard patio. $289,900

10531 MINERAL RD, LONGMONT

• Custom ranch on 5 acres • Multiple out buildings • Outstanding views • Country living at it’s best • This is a must see $1,500,000 Hostess:

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. $185,500

ROSE CHAMBERLAIN

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6000

Homes for Rent

6000

Homes for Sale

5000

Homes for Rent

Clover Creek. 4B/3 ba. A/C, Very clean. Community pool. Must see! $1500/mo. NP/NS 303-243-2939

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5004

Homes for Rent

LONGMONT REALTY

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629 Terry St., Longmont

1583677

5000

Times-Call / Home & Real Estate Weekly

www.longmont-realty.com

5000

Exec Rental - Hygiene Near-new Queen Anne in kid-friendly, quiet lakeside neighborhood, adj open space. Exc schls. 4 bdrm, 2.5 ba, 3 car. No smkg, pet nego, $2750/mo. RENT TO OWN Hugh Fowler, 303-986-1606 Classified Ads get Results very, very fast!

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1, 2 & 3 BDRM Apartment Homes The Shores Apartments,

LONGMONT REALTY 6001

Classified Ads get Results very, very fast!

Great investment opportunity, turn this into a real gem! Tons of potential for this Turn of The Century charmer. $74,900

303-772-7576

629 Terry St., Longmont

www.longmont-realty.com

Hwy 66 & Airport Rd

(303)774-8000

Homes for Sale

5000

WHY RENT? Own a home for

EMPTY YOUR GARAGE List your sale

and prepare to purge. $25, 10 lines, 4 days plus a FREE garage sale kit! Place your ad. Call 303-466-3636 or 970-635-3650 Or visit FrontRangeClassifieds.com

Homes for Sale

1585862

PLACE YOUR AD:

July 16, 2011

1-2 BD $700-825 A/C DW Lndy N/S/P 303-444-0501 1 & 2 BDRM Apt Homes Fox Ridge Apts Premier Gated Community. Pets OK! For Info & Specials Call (303)774-9944

Up to 80 percent off every day.

Apartments for Rent

6001

Apartments for Rent

1 BDRM Apt, $475 / mo, inc heat & wtr. No pets. Couple or single pref. 303-775-1800

2 Bdrm, 1 ba, lg, complete remodel-W/D, A/C, deck,N/P/S. 2041 Meadow Dr. $840 303-443-4308

1BR Apt for Rent Quiet area/easy access $650/mo 303-775-0777 or 303-775-5608

Starting at $675/month Call PMP, 303-776-RENT

2 BDRM APTS

Real Estate

Times-Call / Home & Real Estate Weekly

July 16, 2011

PLACE YOUR AD:

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

5004

Open Houses

OPEN HOUSE | SAT 1-3

493 E. 16

AVE, LONGMONT

• 3 Bedrooms, 3 baths • New flooring, new paint • Stainless steel Kitchen: all appl • Beautiful master suite with private balcony • Full unfinished basement $254,900 Hostess: Carol

Schack

303-931-4945

6001

Apartments for Rent

6001

Apartments for Rent

APTS YOUR CHOICE! www.alertrealty.net

SELLListYOUR STUFF your stuff

and get it done. Items less than $500: FREE 3 lines, 7 days. Items $500 or more: $10, 5 lines, 30 days. Place your ad. Call 303-466-3636 or 970-635-3650 Or visit FrontRangeClassifieds.com

EASTGLEN APTS 630 Lashley, Longmont

(303)682-2943

1, 2 & 3 BEDROOMS: laundry. Wtr, trash, sewer pd

FIRESTONE 565 1st St. #1, 3 BR, 1 3/4 BA, 3-Plex, WD hook-up, $750, 720-936-1854

EMPTY YOUR GARAGE List your sale

and prepare to purge. $25, 10 lines, 4 days plus a FREE garage sale kit! Place your ad. Call 303-466-3636 or 970-635-3650 Or visit FrontRangeClassifieds.com

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

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

6002

2 Bdrm 1.5 Ba TH

Neat clean & quiet. Fenced in yard w/deck. NSm/NPt A/C. NW Lgmt $725+ Dep, 303-776-5416 2BR, 1.5BA Tnwhm W/D hookups, frplc, AC, garage $725 +dep N/P Tri town area 303-833-2890 50 19th Ave #57, 3 bdrm, 2 ba condo, gas frpl, A/C, 1 car gar. Pets OK, $850 Pennant Inv. (303)447-8988.

New Extended Stay Hotel $189/Week* 1st 2 weeks ONLY Perfect for visiting friends & family! I-25 & Hwy 119, Longmont exit 240. 303-485-0040 Bring ad to qualify. *Expires 7/31/11 *New Guests Only*

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

6009

Apts. for Rent Furnished

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 inc (303)931-7108

6007

Duplexes

1506 Collyer,

3 bdrm, 1 ba, Duplex 2 car gar, small yd, extra storage. $1050 Pennant Inv. (303)447-8988

Duplex/Condo 2-3 Bedroom 1009 Harmon Pl 930 Buttonrock Call PMP, 303-776-RENT

Loveland Duplex

Quiet 2BR, 1BA, $725/mo, garage. Newly remodeled incl carpet. W/D, appl, wtr included. No pets. Call 970.231.6838

6009

Housemates/ Roommates

1 bedroom in clean 2 bdrm home, W/D, phone/cable/int,storage, yard, $450/mo + 1/2 utils. 303-702-0643. Mature lady to share home w/ same. Your own bdrm & ba. $450/mo + 1/2 utils. N/S 303-776-1081

Housemates/ Roommates

drive your

Nice 3BR, 2BA house in Erie w/ basement & garage. 2BR avail, M/F ok, prof’l w/ cats $450 rent + $400 dep., 6 month lease

wheels

www.dottedi.biz/rental

Bob 303-926-0167

6015

Retail Space for Lease

List your car and get ready to roll.

2773 SQ FT- Busy shopping center, 1116 Francis St, $825. Alert RE 303-776-5156

6016

SW Longmont Townhome 2BR, 3BA, lg 2 car attached garage, community pool, N/S/P, all appls inclds W/D. 1yr lease $1250/mo w/deposit 2231 Watersong Cir. Avail for showing 7/15 720-224-8167

6005

VALUE PLACE FIRESTONE

Townhomes/ Condos for Rent

$10, 3 lines, 30 days

Office Space for Lease

1582533

Open Houses

Private party and general merchandise only. No refund for early cancellation.

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 $250/mo, 110 to 5000 SF 2432 Main, Four Seasons Realty. 303-875-1345. 500 to 2500 sf, can divide. On site prkg, 303-523-3369 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 utls. (720)280-9047

6017

Indust./Comm’l for Lease

1800sf Warehouse in Berthoud (office 350sf & warehouse 1450sf) $850/mo Welders & Mechanics need not inquire. Call Ren-e Lee 970-221-0997 7400sf Warehouse for Lease in Longmont 303-589-4738 7400sf Warehouse for Lease in Longmont 303-589-4738

6017

Indust./Comm’l for Lease

2 Units Avail, can be sep or combined. WHS 1500 sf, lobby & ofc 1060sf. Gross lse $1995/mo in Lgmt facing 3rd Ave. Ofc/lobby/kitchen & ba w/ shower, 900 sf + warehouse 1200 sf. Gross lse $1640/mo. A/C, heat & sec camera incl. 720-684-4200 ask for Terry

MOVE YOUR HOUSE List your house

and start packing. $75, 5 lines, 30 days Place your ad. Call 303-466-3636 or 970-635-3650 Or visit FrontRangeClassifieds.com

Work where you live! 40x60 shop (heated & insulated)+325sf office +3BR house $1800/mo lease w/ option Loveland 719-433-5095

6018

Storage Space for Lease

EQUIPMENT FOR SALE” New 7.5 Onan Diesel Generator $4500, 1984 Ford Water Truck 429 Diesel, 2,000 gallon Water Tank, Pump & Hoses $6,000, 1999 Ford 250 4x4 V10, Supercab XLT, New Tires, Heavy Duty Hitch $7500 Call 970-535-6074 or kevin@ alfaconstruction.net

6018

Storage Space for Lease

INDOOR GARAGE & Commercial Storage 20x40x16 w/14x14 doors start at $300. 20x50x16 w/ 30 amp elect, man door & pwr door opener start at $450. Garage Storage LLC, 4070 Camelot Cir, located I25 Business Park. I-25 & Hwy-66. 970-535- 6074 www. Longmont-storage.com

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

SELLListYOUR STUFF your stuff

and get it done. Items less than $500: FREE 3 lines, 7 days. Items $500 or more: $10, 5 lines, 30 days. Place your ad. Call 303-466-3636 or 970-635-3650 Or visit FrontRangeClassifieds.com

EMPTY YOUR GARAGE List your sale

and prepare to purge. $25, 10 lines, 4 days plus a FREE garage sale kit! Place your ad. Call 303-466-3636 or 970-635-3650 Or visit FrontRangeClassifieds.com

FIND IT. DRIVE IT. FURNISH IT. OWN IT. WORK IT. SELL IT.

6020

Mobile Home For Rent

Brand New Homes to Rent Starting at $899/Month! 3 to 4 bedrooms and 2 baths Fitness room Club House Playground Pool Pet Friendly

Expires 7/31/2011

Sun Homes At Eagle Crest 888-246-5232 www.4eaglecrest.com

SELLListYOUR STUFF your stuff

and get it done. Items less than $500: FREE 3 lines, 7 days. Items $500 or more: $10, 5 lines, 30 days. Place your ad. Call 303-466-3636 or 970-635-3650 Or visit FrontRangeClassifieds.com

July 16, 2011

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

Home buyers running into loan hurdles Many readers remember that in the not so part because government entities Fannie Mae, Freddie Mac and the Federal Housing Adminisdistant past, fogging a mirror was about all that tration, which collectively account for more was required to get a home loan. “Stated” inthan nine in 10 loans being made today, are uncome and “stated” assets were all it took to finder heavy pressure to avoid any losses. Those ish the loan application. When the economy firms don’t make loans directly, but instead purturned, and the defaults started piling up, lendchase or guarantee mortgages that meet their ing institutions started paying attention. But standards, and have significant influence over when money became tight, and lending ratios which loans banks are willing to approve. both for the banks and consumers began to What can be done to improve one’s odds of drop, institutions started taking more care in success? Talk to a local Realtor who analyzing the quality of their bornetworks regularly with local mortgage rower, as they did not have as brokers, banks and credit unions, much to lend. They wanted the many of whom are affiliated members pool of loans they invested in, to of the Longmont Association of Realbe more marketable to other intors. By gaining an early understanding vestors so they could resale them. of what it is that helps your credit Recently, Barbara Koelzer, who score and helps meet lender requireis the Government Affairs Director ments, a buyer can navigate the purfor the Longmont Association of chase with much more certainty of Realtors, posed the question: “Are success and have preapproval to obtain Dave Wagner cautious lending Practice hamperLongmont Association their dream under more realistic boring the housing market?” She of Realtors rowing guidelines than in the past. Rewent on to say that the percentage altors nationwide continue to fight for of mortgage applications rejected legislation that will stop the tightening by the nation’s largest lenders inmeasures and proposals of the Dodd-Frank bill creased last year, spotlighting how banks’ cauin congress, and allow housing to fully recover tious lending practices are impacting the recent putting everyone from builders, remodelers, housing market recovery. She quotes, “In all, the landscapers, painters and retail stores back in nation’s 10 largest mortgage lenders denied 26.8 gear. Obviously getting people back into homes percent of loan applications in 2010, an increase they can truly afford, is worthy of pursuit as from 23.5 percent in 2009, according to an analwell. ysis by The Wall Street Journal of mortgage data A Realtor’s experience in understanding filed with banking regulators.” lender expectations in the loan process can Colorado’s denial rate was 22.8 percent acmake all the difference in a home closing. More cording to the WSJ. Although lenders were exoften, distant lenders with no local presence pected to pull back from the freewheeling contend to not close, as their failure to understand ditions that helped inflate the housing bubble, our market and failure to communicate with some economists argue they are now too contheir clients in a timely fashion. Last minute servative, and say that with the U.S. economy “stone turning” seems to be the deal killers and still wobbly, mortgages need to be easier to obcommunication is key to navigating the gauntlet tain for qualified borrowers, not harder. Among and dodging the brick walls. Contact your local the would-be borrowers having a harder time Realtor right from the start, and there are good are those who have seen their incomes fall or in- odds you will enjoy a good finish. In the end, it terrupted by a period of unemployment, scenaris up to the consumer to choose their lender, ios that have become increasingly common in but local experience can be very helpful. recent years. Dave Wagner is the president of the Longmont AssociaSome self-employed applicants are also hittion of Realtors. Contact him by calling 303-684-6356, ting barriers to loans – hurdles they didn’t face emailing dave@wagnercolorado.com or visit the association’s website at www.longmontrealtors.com. in the past. Lending standards are still tight in

Simplify your

HOME SEARCH

Times-Call / Home & Real Estate Weekly

Longmont • Shirley Cupp from Susan Ashcraft, 728 Wade Rd, Longmont, $197,500, home • Ithipon & Sarah Choomchaiyo from Rachel Condon, 223 Cattail Ct, Longmont, $217,500, home • Julio Bonilla from GMAC Mortgage LLC, 2339 Pratt St, Longmont, $159,900, home • Betty Spencer from Charlene Goscha, 1217 Juniper St, Longmont, $189,900, home • Machelle Starck from Joseph Grubb, 237 Sweet Valley Ct, Longmont, $214,500, home • Stephen & Leona Coffee from Lawrence Haugen, 1610 Spruce Ave, Longmont, $117,300, home • Amber Selzer from Jo Enterprises LLP, 8171 Hygiene Rd, Longmont, $325,000, home • John & Julianne Breedlove from Robert Johnson, 5442 Saint Vrain Rd, Longmont, $777,500, home • Rebecca Furuta from Jennifer Kelly, 20 Longs Peak Ave, Longmont, $120,000, home • Jeff Clark from Rick Landrum, 1502 Donovan Pl, Longmont, $95,000, home • Jeffrey & Richard Bloom from Ruth McNally, 1820 Meadow Ln, Longmont, $149,000, home • Ron & Jacki Eccher from Anthony Mireles, 11571 Quail Rd, Longmont, $250,500, home • Jill Jacob from Ernest Owen, 4624 Highland Dr, Longmont, $275,000, home • Larry Schut from Greg Payne, 1338 Gay St, Long-

mont, $158,000, home • Markus Hoidn from Gunter Schmer, 2342 Eagleview Cir, Longmont, $405,000, home • Gregory & Essie Muns from Silver Tree Holdings LLC, 822 Hays Cir, Longmont, $320,000, home • Rafael Gonzales from Value Preservation LLC, 315 Mill Village Blvd, Longmont, $225,000, home • Matthew McKinney from Patrick Webb, 1266 Longs Peak Ave, Longmont, $390,000, home • Nola Potter from Mary York, 817 Collyer St, Longmont, $232,500, home • Gerald Kahn from Karen Elliott, 7258 Nebraska Way, Longmont, $289,900, home • Braly LLC from Marvin Stone, 1813 Rannoch Dr, Longmont, $310,000, home Berthoud • Ralph & Debra Payne from Dana Lord, 5101 Gary Dr, Berthoud, $405,000, home • Stacey Geist from Lee Dejmal, 502 Redwood Cir, Berthoud, $209,900, home Erie • Brady & Jenasys Newton from Richmond American Homes Colorado, 430 Graham Cir, Erie, $315,900, home • Xiangjiang Huang from Melissa Balleydier, 2193 Indian Paintbrush Way, Erie, $300,000, home • Ramu Raju from Paul Dugdale, 2284 Links Pl, Erie, $890,000, home • WFP LLC from Mile High Bank, 1010 Carbon Ct Unit A, Erie, $717,000, condo • Nathan & Heather Salazar from Ryan Rodriguez, 1799 Alpine Dr, Erie, $385,000, home

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Times-Call / Home & Real Estate Weekly

July 16, 2011

OPEN HOUSE

Open House Sun 12pm-3pm

14771 Creekside Ln Longmont