Home and Real Estate Weekly

Longmont Times-Call

LONGMONT TIMES-CALL | ARTS & ENTERTAINMENT MAGAZINE | SATURDAY, JULY 30, 2011

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July 30, 2011

Commit to

Color

Divorce doesn’t have to effect deed on house Securing loan pre-approval

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Times-Call / Home & Real Estate Weekly

July 30, 2011

By changing the paint and adding some accessories, this bedroom is now a serene place one can relax in.

(SHNS/Courtesy HGTV)

Color for color-phobes Candice Olson HGTV

Some people are afraid of spiders, while others have a fear of flying. In my profession, I tend to meet people who are afraid of color.

Surround them with beiges and creams and they are happy, but throw in a little fuchsia or orange, and they practically start hyperventilating.

I experienced this firsthand with my recent clients, Carl and Catherine. The couple had bought a fixer-upper several years ago and spent a lot of time renovating it. They did a great job, but must have used every conceivable shade of white and beige.

The bedroom consisted of tan carpeting, mocha-colored walls and a wall of white closets. Carl and Catherine wanted the bedroom to be a restful oasis that would whisk them away from the chaos of everyday life, but the lack of color made the room feel drab, which can happen when a neutral palette is not used correctly.

They were willing to introduce some color to their space, but were a little nervous. So I geared up to give them a space that united the neutrals they loved with the color they lacked.

People are often afraid to commit to color because they think they will soon grow tired of it. But color mistakes don’t generally happen when people pick the wrong color; they happen when people pick the wrong value (lightness or darkness) of color. When this happens, walls can seem too dark or too light in relation to floors, ceiling or other significant elements.

When designing a room, I like to stick to a 60-30-10 rule. Sixty percent of the room is wall color (which stays neutral); 30 percent is upholstery and drapery (more in the neutral palette); and 10 percent is in the accents (the color). Carl and Catherine’s new bedroom would follow this rule.

At times, my vision for a project comes by carefully studying colors and patterns, but often my inspiration just comes to me, in the most unexpected ways. In this case, I was outdoors and came across some beautiful cherry blossoms and was struck by their gorgeous mauve tones. They conjured up a feeling of calm and serenity that I wanted to inject in Carl and Catherine’s bedroom.

I started by replacing the tan carpet with dark-wood engineered flooring and painting three walls in a rich creamy shade. On the fourth wall I used a deep plum, a mid-tone color inspired by nature that acts as a neutral backdrop. This is a great color for anyone who’s a color-phobe.

I positioned the bed against this new accent wall and gave it a linen headboard with nickelnail-head trim. A neutral duvet with dark accents helped to ground it all. I then flanked the bed with crisp white night tables and silver pendant lights that sparkle against the dark wall.

Across from the bed, I placed a naturaltoned wood desk and a hammered silver chair.

In a corner, near the desk, I added a gorgeous

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

On the Cover If used right, color can offer a place of serenity.

See story above. (SHNS/HGTV)

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

linen armchair with nickel-nail-head trim for added sparkle. When purchasing large-scale investment pieces like these, it’s a good idea to choose neutral colors, and accenting them with colorful pillows, which can be easily changed.

The wall of white closets was quite a challenge. Carl and Catherine needed the storage, but the six monolithic units in a row really overwhelmed the space. So I left two units on either end and replaced the middle two with a long, low modern dresser that complements the white bedside tables and picks up the wood tones of the flooring.

For additional visual interest, I installed graphics of cherry blossoms on the closet-door panels. Cherry blossoms were the inspiration for this space, after all, and now act as gorgeous works of art.

For the main drapery fabric, I chose a darker linen dotted with a small-scale purple floral pattern, accented with a grape linen contrast band. We brought in several accessories in various shades of plum: artwork, an area rug, bed linens and throw pillows.

Carl and Catherine’s fear of color resulted in an ultra-bland bedroom. By introducing the perfect palette, I helped cure their color-phobia and gave them a serene space they will enjoy for years.

Interior decorator Candice Olson is host of HGTV’s “Candice Tells All.” For more ideas, information and show times visit http://www.hgtv.com/candice-tellsall/show/index.html. Or visit scrippsnews.com.

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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.

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.

July 30, 2011

Harvest your vegetables at their season peak Harvest: Good snap beans are slim, the seeds small and not swelling. Look for pods less than one quarter to one eighth inch around with bright color and an audible snap.

Avoid: spindly, blemished or limp beans or those that are stringy when snapped.

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.

Your Source to all things Home & Real Estate!

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husks and indentations on the We’re swinging into the busy kernels are old, and the sugars harvest season, when daily trips have turned to starch. through the vegetables yield savory additions to dinnertime Heirloom tomatoes pack fare. I admit I ignored my garplenty of taste in stripes, pinks, den for a few days while on vagreens, browns and blacks. cation; returning to it we found Their flavor is as exotic as their slim eggplants, names: complex, young cucumbers, smoky Black from and fully-sized Tula, sweet, delicate cauliflower ready Dr. Wychees, or rich, for harvest. old fashioned Brandywine.

We were lucky; the harvest was Harvest: Brilliantly still in its early colored, firm, glossy stages, offering up skin marks a ripe a few vegetables tomato, and the here and there. The longer you leave it on Carol O’Meara days of overflowthe vine to ripen, the Colorado State ing baskets and more complex the University Extension counters are a few flavor will be. Snip weeks away. If the fruit, don’t pull. you’re new to the fun of growAvoid: Unless a quirk of the ing your own vegetables, keep a type, traces of green indicates few tips in mind for knowing that the fruit is immature, the when to pluck your produce. flavor less satisfying.

Taste and color yield clues to A perfect cantaloupe is meltwhether the vegetable is immain-your-mouth sweet, a treasure ture or overripe, but know your many hunt through stores and variety and its characteristics. stalls to find. In a home garden, Green tomatoes take skill and the plant tells you when the experience to gauge, often remelon is perfect. quiring the gardener to taste Look for: Well-defined greyplenty of tangy, under-ripe fruit yellow netting over tan skin, before you get the hang of the but the trick is to watch the plant’s subtle signs. stem for the small crack that Eggplant: Slender Japanese surrounds the join with the types are the first of the season, melon. When the crack spreads followed by the larger pods of three-quarters of the way the classic varieties. around the join, the cantaloupe Harvest: Eggplant that’s is a slip stage and ready. shiny, uniformly deep in color Avoid: Spongy, wrinkled or with a bright green cap as it moldy rinds are a sign of overnears mature size listed for that ripe fruit. variety. Cut through the stem to While bells are the best harvest, don’t pull. known sweet peppers, sweet baAvoid: Dull color, green tinge nanas and Italian bull’s horn or brown discolorations – all types add thrill to fresh salads. signs of bitter or old fruit.

Long and lean, these may look like their chili cousins, but Tip: Becomes bitter if stored don’t have the spice. too long, so eat soon or store it in the fridge for up to a week.

Harvest: Peppers with deep, rich color that feel heavy.

Sweet corn fans dream of days filled with creamy yellow, Avoid: Those with thin walls pearly white and bicolor ears of that give when pressed. this summer treat.

Tip: Some bull’s horn types Look for: Ears filled to the tip have thinner walls, are lighter, with tightly packed, plump kerbut sweet. Choose those that nels, bursting with milky juice are wrinkle-free and sleek. if lightly pressed. The silk Green beans are best when should be a dark brown. picked young, cooled quickly and brought to the table.

Avoid: Corn with dry brown

Times-Call / Home & Real Estate Weekly

Basements are versatile Metro Services

These days every inch of space in the home counts. .When considering building a new home, it makes sense to consider building both “up and down” to maximize your living space.

Jim Costello, president of Superior Walls, recommends constructing a basement with Xi wall panels. Each precast foundation panel is constructed with a concrete face shell, backed by 2.5-inches of DOW Styrofoam insulation. Steel reinforced concrete walls create a permanent barrier against sidewall water penetration, making the basement system damp-proof.

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Times-Call / Home & Real Estate Weekly

July 30, 2011

The importance of securing loan pre-approval

By Dominique Del Grosso Longmont times-call

Buying a house is a serious financial commitment. Sometimes it can be overwhelming, but securing loan pre-approval before starting the house hunt is an easy way to help streamline the process.

Fortunately, getting loan pre-approval can make the house hunting experience less concerning and provide a tangible price range by which potential home buyers can easily abide.

potential buyers’ full name, social security numbers, current address and birth dates. With this information, the mortgage loan officer will run a credit report to determine a specific credit score. • Next, the mortgage loan officer will present the potential home buyer with a loan pre-approval letter, which will layout how much money can potentially be borrowed to purchase a home.

A pre-approval amount varies from one buyer to the next. This is because the loan pre-approval amount is based on credit scores and yearly income, and not every potential buyer has the same score or borrowing potential. • Then, a mortgage loan officer will have an open, but up-front conversation with the potential buyer regarding financial comfort levels. A plan for affordable monthly payments will also be ad-

dressed.

Unnecessary? Think Again Before staring the house hunt, getting pre-approval first isn’t a must, but it’s strongly advised by both Realtors and mortgage loan officers. “You want to see what you can qualify for before you go out looking because you don’t want to get attached to a house you can’t afford,�

Lee says. “It (loan pre-approval) puts people in the driver seat with more control of the process.�

Deanna Dyer, a broker associate at Dyer Realty, Inc. in Longmont, echoes Lee’s advice. “It’s crucial that you know how much money you have to spend because you don’t want to be house-poor.

Meaning, you don’t want to be putting too much of your income toward your house payment,� she says.

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Loan pre-approval Break Down Simply, loan pre-approval tells the mortgage loan officer and potential buyer how much money can be borrowed to purchase a house, providing a clear picture of which homes are affordable and which are not. To secure loan pre-approval, meeting with a mortgage loan officer in person is essential.

This is important because buying a house is a big commitment and being counseled by a professional can make or break the final sale.

Sabrina Lee, a senior loan officer with WR Starkey Mortgage in Longmont, says finding someone trustworthy to walk through these steps with is a must. “Buying a house is the greatest investment you can ever make and you want to make sure it’s with someone you trust,� she says.

During a few in-person meetings, a mortgage loan officer will walk the potential buyer through the following loan pre-approval process. • First, the mortgage loan officer will take down four pieces of information:

Loan pre-approval isn’t just important for the potential buyer. Most house sellers will only accept bids from buyers who have been granted loan pre-approval first.

Loan pre-approval is also important to Realtors because it’s easier to work with buyers who have a clear number to start. “Most Relators will not talk to you or show you any homes until you’ve been pre approved,� Lee says. “It (loan pre-approval) is important because you’re also telling the seller that you’re serious.�

Fortunately since the housing market crash, getting loan pre-approval isn’t any harder than it used to be. Almost anyone can get loan pre-approval. What is harder now than in the past is finalizing the loan once a bid has been accepted by the seller. “pre-approval is not more difficult, but getting the loans closed is much harder,� Dyer says. “They (underwriters) want more documentation from things in your past about anything that’s reflected on your credit report.�

Whether getting loan pre-approval first is the priority, it’s important to keep in mind how helpful it can be to have a clear budget.

Pinpointing both the high and low end of the budget is, in the very least, a good place to start. “It’s never too soon to get an idea of what kind of home you desire, what neighborhood or what your house requirements are, but pre-approval for the buyer makes things so much easier. It takes the stress out of the transaction,� Lee says.

July 30, 2011

Discovering the source of cracked drywall is key to fix

Times-Call / Home & Real Estate Weekly

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Q: I recently purchased a home built in 1970. In the garage, we noticed a small crack in the middle of the ceiling that runs the entire width. This winter in Minnesota, the crack has become larger. The roof has trusses, and the crack runs across them, not with them. However, the trusses are only half the garage roof, as the other half are 2-by-6s and 2by-4s that make up the roof slope to the wall. The crack is where two sheets of drywall meet and are taped. The seam is not located on a stud but a couple inches from one.

Can this be fixed?

A: This should be an easy question to answer, but I’m sure that some readers will e-mail with differing opinions.

When you say that the crack runs across the truss, I assume you mean along the length of the ceiling joists, because you say that the crack is located a couple of inches from a stud (actually a ceiling joist). When hanging drywall from a ceiling, the end joints of full sheets or cut joints of partial sheets must cover a full 3/4-inch on the bottom of the ceiling joist. Otherwise, gravity will cause the unsupported ends to curl and pull apart at the taped joint. It is also a common practice to install a four-foot-long piece of lumber on the side of the ceiling joists to act as an additional support for the drywall if it does not end where it should on the original ceiling joist.

Another fix for sagging drywall is to install partitions or bridging spaced at two feet on center and in between the ceiling joists, so that the drywall can be fastened to the bridging. The bridging can be installed with the wider side facing the drywall so that there will be more surface area in contact with the drywall. Both the additional support systems can be added without having to remove the drywall. Rather than trying to nail the supports to the joists, which would cause some damage to the drywall, use a screw gun and wood screws to make the repairs.

The bridging also works well when 1/2-inch-thick drywall has been installed on the ceilings where the ceiling joists are two feet apart. Over time, the 1/2-inch drywall will sag in between the joists, leaving a wavy pattern on the ceiling.

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July 30, 2011

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Divorce doesn’t have to effect joint tendency Q: Let’s say a husband and wife own a rental property with a joint tenancy with rights of survivorship deed. Later, they divorce without changing the deed, and 10 years later, one of them passes away.

Does the remaining owner automatically pick up the ownership for the deceased owner’s share? Does the divorce revoke the survivorship deed and make it a deed in common, with a 50/50 split?

with a capable real estate or estate planning lawyer licensed to practice in your state.

Q: I am a retired 63-year-old with a combined income of $37,000 annually. My wife will begin collecting an additional $704 per month in Social Security starting this November. We both have excellent credit scores of 800.

Here’s our situation: We purchased our home in 2004 for $125,000, and we have a balance of $76,000 on the loan. We are considering selling our house because we would like to move to Las Vegas. With our fixed income, are we qualified to buy a $200,000 house with at least 30 percent down on a 15year fixed mortgage?

A: In some states, the mere fact that two joint tenants decide to get divorced would not, in and of itself, automatically terminate a joint tenancy.

There may be valid reasons why two joint tenants who get divorced want to retain ownership of the property as joint tenants. It may be that A: According to Mike Rose, a loan they still intend to have the other reIlyce Glink officer for Wells Fargo, you may Tribune Media Services technically qualify for the loan terms main the owner of the home; or neither may have the money to buy the you’re seeking, but the caveat is that other out and each believes that if you must have the additional income from Social one of them dies, the other one should get the Security in place by the time you’re ready to purhome. chase your property.

And while I’m not an attorney, I don’t believe If you can sell your home and walk away with that joint tenancy is automatically severed solely $50,000, that’s a 25 percent down payment. If due to the fact that the joint tenants elected to you increase that to 30 percent, and get a 15-year get divorced. fixed-rate loan for the rest of the sales price, As a practical matter, most dispositions of real you’d wind up with a monthly payment of estate between divorced couples are settled as around $1,000 with a 3.75 percent interest rate, part of the divorce decree. As part of this proexcluding taxes and insurance. cess, one of the spouses typically transfers his or Based on your income, Rose said you should her interest to the other spouse. search for a property that carries a property tax Generally, one of the joint tenants must take burden of less than $3,000 per year – though he specific action to break the joint tenancy to then admits that, being based in Atlanta, he is not encreate a tenancy in common. In a tenancy in tirely familiar with the property tax structure in common, each owner of a property owns a perNevada. centage interest in the home and can sell that inYour debt burden will also be a consideration. terest. If that owner dies, his or her will or the To qualify for the purchase of a new home at inheritance laws in that state would dictate who around $200,000, you would need to get a fair would then become owner of that share of the amount of cash from the sale of your current home. home, and perhaps to add some money to that, So one of the owners would have to sell or but you may be stretched to qualify for that loan. convey his or her interest in the home to break What about buying a less expensive home? the joint tenancy or execute some form of a docYou’re moving to Las Vegas, where home prices ument to give notice that the joint tenancy has have fallen 50 to 60 percent in some cases. It’s ended. possible that you are overestimating the amount Whether the divorce document is sufficient to of money you’ll need to purchase a quality home do that is questionable, unless there was a court in a neighborhood you like. order stating that the joint tenancy should be If you could spend just $150,000 or less to terminated and a tenancy in common was creatpurchase a home, that should make it easier for ed. you to qualify for a mortgage.

But in the absence of any action taken by eiRemember, getting a mortgage these days is ther or both parties, I believe the joint tenancy harder than it was a couple of years ago. Have all would remain in effect and the surviving joint your paperwork in order, and make sure you tenant would become the 100 percent owner of know your expenses now and after you move, the property upon the death of the deceased know how much cash you have saved not only joint tenant. for the purchase of your home but for emergency Laws vary from state to state, and for a definisituations, and how much money you will need for your health care and retirement expenses. tive answer to this question you should consult

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Times-Call / Home & Real Estate Weekly

July 30, 2011

Debt-to-income ratio matters in mortgages

By Polyana Da Costa bankrate.com

Paying your bills on time, having stable income and boasting a good credit score won’t get you a mortgage loan if your lender determines that you live too close to the edge.

In the mortgage lending world, your distance from the edge is measured by your debtto-income ratio, which, simply put, is a comparison of your housing expenses and monthly debt obligations versus how much you earn.

Knowing your DTI is just as important as knowing your credit score when you get ready to apply for a home loan, says Ed Conarchy, a mortgage planner and investment adviser at Cherry Creek Mortgage in Vernon Hills, Ill. “People are so focused on their credit scores and on getting a low interest rate that they forget to look at the big picture of their financials,” Conarchy says. “Your debt-to-income ratio ... can impact whether or not you’re getting a mortgage in the first place.”

Lenders look at two types of debt-to-income ratios when you apply for a mortgage: • The front-end ratio, also called the housing ratio, shows what percentage of your income would go toward your housing expenses, including your monthly mortgage payment, real estate taxes, homeowner’s insurance and association dues.

• The back-end ratio shows what portion of your income is needed to cover all of your monthly debt obligations. This includes credit card bills, car loans, child support, student loans and any other debt on your credit report that requires monthly payments, plus your mortgage payments and other housing expenses.

To calculate the front-end ratio, add up your expected housing expenses and divide the total by how much you earn each month before taxes (gross monthly income). Multiply the result by 100 and that is your front-end DTI ratio. If all your housing-related expenses total $1,000 and your monthly income is $3,000, your DTI is 33 percent.

To determine the back-end ratio, add up your monthly debt expenses with your housing expenses and divide the result by your monthly gross income. Suppose each month you pay $200 for a car loan, $50 in student loans and about $100 in credit card bills. That adds up to $1,350 in monthly debt obligations, including housing expenses. Based on a monthly income of $3,000, your backend ratio would be 45 percent.

Lenders typically say the ideal front-end ratio should be no more than 28 percent, and the back ratio, including all expenses, should be 36 percent or lower.

In reality, depending on credit score, savings and down payment, lenders accept higher ratios. Limits vary depending on

the type of loan.

For conventional loans, most lenders focus on your back-end ratio, says Matt Hackett, underwriting manager at Equity Now in New York.

Most conventional loans require a debt-to-income ratio of no more than 45 percent, he says, but some lenders will accept ratios as high as 50 percent if the borrower has compensating factors such as a savings account with a balance equal to six months’ worth of housing expenses.

For Federal Housing Administration loans, the recommended debt-to-income limit is 31 percent on the front ratio and 43 percent for the back ratio.

But with certain compensating factors, the FHA automated ap-

proval system accepts ratios as high as 46.99 for housing expenses and 56.99 for the total back ratio, Hackett says.

“I try to stay away from those,” he says. “I don’t see how one can make payments when 57 percent of your income is already gone. You have to remember these numbers don’t take into account your utilities, cable, phone and all those other expenses.”

The most obvious and easiest way to lower your debt-to-income ratio is to pay off some of your debt. But most people don’t have the money to do so when they are in the process of getting a mortgage, since much of their savings often goes toward the down payment and closing costs.

If you think you can afford the mortgage you plan to get but your DTI is over the limit, a co-signer might help solve your problem.

Borrowers can have a relative co-sign their mortgages on FHA loans. Unlike in conventional loans, FHA co-signers are not required to live in the house with the borrower, but they need to show sufficient income and good credit.

Sometimes a co-signer isn’t the answer, Concarchy says.

“Just because you are able to get approved doesn’t mean you should get approved,” he says.

“If your DTI is too high, maybe it’s time to take a step back and get your finances together before you commit to a mortgage.”

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

Victoria Inn

Longmont, CO

2400 17th Ave. • 303-772-4667

1566894

The Shores at McIntosh Lake

2450 Airport Rd. • 303-774-8000

$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.

$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.

$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

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

Other Amenities

• Borrower: Laura Haley-Mcneil, Lender: Bank Of America NA As Successor, Amount: $111,313, Property: 1210 Maclaughlin Ct, Dacono, Filed: 07/19/11 • Borrower: Ron & Elizabeth Mccachren, Lender: Bank Of America NA As Successor, Amount: $224,534, Property: 3759 County Road 7, Erie, Filed: 07/19/11

Washer/Dryer Hook-ups

Washer/Dryer Facilities

Pets

Company, Amount: $256,563, Property: 3704 W County Road 4, Berthoud, Filed: 07/18/11 • Borrower: Sleepy Hollow Estates LLC, Lender: Mutual Of Omaha Loanpro LLC, Amount: $1,026,144, Property: 4369 Beverly Dr, Berthoud, Filed: 07/20/11

# of Baths Lease Required

Address Phone

Complex Name

• Borrower: John & Ellen Koolstra, Lender: US Bank National Association

# of Bedrooms

Foreclosures – notice of election and demand

NA, Amount: $213,654, Property: 309 Bimson Ave, Berthoud, Filed: 07/15/11 • Borrower: Valentine Vigil, Lender: Residential Funding Company LLC, Amount: $209,776, Property: 118 E Iowa Ave, Berthoud, Filed: 07/15/11 • Borrower: Dale & Katrina Klotz, Lender: Deutsche Bank National Trust

Deposit

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

July 30, 2011

Allow Smoking?

Times-Call / Home & Real Estate Weekly

Price Range

8

$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

Real Estate 5000

Homes for Sale

**Available Soon** S. Longmont Ranch newer kitchen (Thomasville cabinets), windows, doors, toilets, etc. New shingles 6/11. All appliances to remain.

3 bed/2bath/2car. $207,600 Call today!

5015

Lots & Tracts

6000

Build Your Home on 1/2 acre lot with mountain views. RV friendly $63K or best offer. 303-257-3586

6000

Homes for Rent

Quiet & comfortable living with: 4BR, 2 full baths, large 2 car garage, safe cul-de-sac, walking distance to park & all school levels, new carpet, fireplace, sky light, A/C, fenced large yard w/ shade trees.

1012 Marmot Ct., Longmont $1400/mo+$2000 security deposit For more info, please call 970-532-7719

Homes for Rent

118 Merideth Ln 5 bdrm, 2 ba, 1 car gar, lg fam rm W/D $1395. Pennant Inv. (303)447-8988.

or 970-635-3650

5007

Mobile Home For Sale

Brand New Home!! $73,000 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

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

BUYING & SELLING All types & sizes of mobile homes!

Judy 970-690-3283

5015

Lots & Tracts

2.8 ac w/ domestic & irrigation water. 2 mi So of Berthoud. Great views, good bldg site. $69,900 Call Mark at ERA Tradewind.

303-684-6335

917 SUNSET, #303 1 Bdrm, 1 ba, 3rd flr, includes heat, wtr & trash. $600/mo. Pet nego. RMG Realty, 303-772-4466

APTS YOUR CHOICE! www.alertrealty.net

EASTGLEN APTS 630 Lashley, Longmont

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

WHY RENT? Own a home for

234 Terry, Old Town Lgmt, 2 bdrm, 1 ba, all applcs, office, 1 car gar. $1025/mo RMG Realty 303-772-4466

Do you qualify? Call Devin O’Branagan

Apartments for Rent

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

(303)774-8000

Place your ad.

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

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

201 Bowen St- 2 bdrm 1 ba, bsmt apt, all applcs + W/D, $900/mo RMG Realty 303-772-4466 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, $2550/mo.

RENT TO OWN Hugh Fowler, 303-986-1606

2 Bdrm, 1 ba,Lg, Complete Remodel W/D, A/C, Deck, N/P/S 2041 Meadow Dr. $740-$840 303-443-4308

VALUE! 4 bdrm, 2 ba, lots new, lg yd, pets OK, $1250/mo + dep. 720-494-8954.

2 BDRM, lg, sunny, quiet bldg. $700/mo, heat inc. No Pets Don 303-881-1960

2 BDRM, 1 BA, quiet, coin-op W/D, $675/mo (303)859-9973

2 BDRM APTS

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

Neat clean & quiet.

Fenced in yard w/deck. NSm/NPt A/C. NW Lgmt $725+ Dep, 303-776-5416 2BR, 1BA, all appls, garage, W/D hookups $725 + dep N/P playground on premises.

303-210-5284 3712 Oakwood Dr, SW Lgmt, only 15 min to BLDR, 3 bdrm, 2.5 ba, frpl, 2 car gar, A/C, N/S, N/P $1450 RMG Realty 303-772-4466

for 6005 RentApts.

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

Duplexes

Lg.Mstr Bdrm/ deck, frpl, encl patio, AC, w/d hkps, gar, Lg Yd N/S, N/P 303-709-1618

303-772-7343

VALUE PLACE FIRESTONE 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 8/31/11 *New Guests Only*

Office Space for Lease

Space 6018 Storage 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

2 Bdrm 1.5 Ba TH

2BD 2BA $875

Referral Only Realty

6001

Townhomes/ 6002 Condos for Rent 6016

6007

$O Down!

5 BD 3 Ba Lvld $1400 3 level, A/C, Appl inc Call 303.656.3656

CHARMING! 2 bdrm+ study home in Old Town Erie, lg yd, $900/mo. N/S. Avail 9/1 (303)499-0679

Apartments for Rent

1, 2 & 3 BEDROOMS: laundry.

Wtr, trash, sewer pd

Classified Ads get Results very, very fast!

2 bdrm, 2 ba ranch, bsmt, liv rm, dining rm, lg deck & yard, W/D, 1 car. No smkrs, older cat cons. $1100/mo First Tree 303-772-5858

6001

(303)682-2943

2, 3, 4 Bedroom Homes 639 Independence, 60 Empire Pl, 1617 Alpine St, 453 Verdant Cir, 2628 Danbury Dr, 1100 Kansas Call PMP 303-776-RENT

4eaglecrest.com *Expires 8/31/11

9

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

PLACE YOUR AD. Call 303.466.3636 Open House, Sun. 1-3 Updated 4BR, 2BA $189K, 1503 Oak Dr, Berthoud 701-729-7772

Times-Call / Home & Real Estate Weekly

Duplex/Condo 2-3 Bedroom 1009 Harmon Pl 930 Buttonrock 9 Birdsill Pl 344 Colony Pl 2112 Meadow Ct Call PMP, 303-776-RENT

6009

Housemates/ Roommates

Housemates to Share my 3BR, 2BA house in Erie w/cats. 2BR avail, prof’l M/F, $450 rent + $400 dep., 6 month lease www.dottedi.biz/rental

Bob 303-926-0167 Responsible, clean M/F, W. side, great area, golf course & park, W/D, kit. $400 +1/3 utils. 303-775-1144/ 303-772-8466

6010

Rooms for Rent

1 Room in clean non -smoking home in SW Longmont near open space & mall. $420 + deposit 720-495-5053

6015

Retail Space for Lease

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

Alert RE 303-776-5156

1582533

PLACE YOUR AD:

July 30, 2011

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

1 yr Free Rent!

EMPTY YOUR GARAGE List your sale

Don Rulle, CCIM

303-772-2222 PLACE YOUR AD. Call 303.466.3636 or 970-635-3650 Place your ad.

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

$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 Qualty Single Offices $350 to $500 free utls.

(720)280-9047

6017

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

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

6020

Brand New Homes to Rent Starting at $899/Month!

Indust./Comm’l for Lease

7400sf Warehouse for Lease in Longmont 303-589-4738 7400sf Warehouse for Lease in Longmont 303-589-4738

3 to 4 bedrooms and 2 baths

Classified Ads get Results very, very fast!

Two Units Available Separate or Combine Unit 1: 1500SF Warehouse plus 1060SF lobby & office Unit 2: 900SF Office /lobby w/ kitchen & bath w/shower plus 1200SF warehouse A/C, Heat & Security Camera Included High Visibility Off 3rd Ave/Industrial/Retail 720-684-4200, Terry Work where you live!

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

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

Mobile Home For Rent

Fitness room Club House Playground Pool Pet Friendly

Expires 7/31/2011

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

10

Times-Call / Home & Real Estate Weekly

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

Longmont • Rebecca Dowling from Teresamarie Billitteriwidawski, 5640 N 115th St, Longmont, $637,500, home • Derek & Danielle Hinz from Fannie Mae, 619 Collyer St, Longmont, $265,000, home • Debra Cree from Michael Kiley, 1261 Trail Ridge Rd, Longmont, $199,000, home • Tyson & Barbara Palo from Traig Kyllo, 1427 Deerfield Ct, Longmont, $253,000, home • Susan Basabe from M E LLC, 1139 Pratt St, Longmont, $146,000, home • Brian & Marisa Carlson from Jason ODonnell, 2301 Spencer St, Longmont, $189,500, home • Scott Kirvan from Rebecca Teasdale, 4002 Fowler Ln, Longmont, $560,000, home • Frank Shorter from Callie Ventura, 604 Terry St, Longmont, $289,000, home • Clifton Hunter from Chad Breakfield, 10700 Butte Dr, Longmont, $130,000, home • Gerald & Nancy Rhodes from Almas LLC, 3730 Florentine Cir, Longmont, $260,000, home • Maria Franco from Margaret Anderson, 117 E 6th Ave, Longmont, $139,900, home • Daniel Gargosh from Matthew Chadsey, 1613 Deerwood Dr, Longmont, $180,000, home • Tana & Bill Satterfield from Kelly Clark, 2128 Lake Park Dr, Longmont, $355,000, home • Michael & Janet Whitling from Gregory Cree, 5811 Blue Mountain Cir, Longmont, $372,000, home • Judy & Edwin Huston from Duquesne Veronica, 714 Sugar Mill Ave, Longmont, $297,500, home • Anthony Ingram from Elena B Slusser Living Trust, 1429 Hilltop Dr, Longmont, $183,500, home • Eric & Susan Duden from Todd Feaster, 2211 Meadow Vale Rd, Longmont, $430,000, home • Rosario Cardenas from Fed Home Loan Mtg Corp, 9262 Apache Rd, Long-

July 30, 2011

mont, $240,000, home • Weijun Tan from Federal Home Loan Mortgage Corp, 1507 Cannon Mountain Dr, Longmont, $471,000, home • Michael & Kimberly Sheperek from Federal Home Loan Mortgage Corp, 1405 Linden St, Longmont, $164,900, home • Aditya Prasad from Burgess Freeman, 4103 Frederick Cir, Longmont, $360,000, home • Joshua & Wendy Herrera from Scot Grieves, 307 Widgeon Ln, Longmont, $307,500, home • James Libal from Daniel Johnson, 1108 Atwood St, Longmont, $133,000, home • Michael Pies from Andrew Jones, 321 Judson St, Longmont, $237,900, home • Benjamin Holley from JP Morgan Chase Bank National A, 227 Gay St, Longmont, $160,000, home • Monica Stoeber from David Marble, 2413 Pennock Way, Longmont, $225,000, home • Elena Slusser from Emma McAfee, 1206 Judson St, Longmont, $165,000, home • Samantha Kalber from Judith McDougal, 2110 Meadow Ct, Longmont, $138,000, home • Darby Hyde from Hollie Pryor, 1203 Della St, Longmont, $235,000, home • Chester & Susan Kaslikowski from Gerald Rhodes, 1623 Turin Dr, Longmont, $452,500, home • John Lehl from Beth Rimmer, 840 Collyer St, Longmont, $118,000, home • David Austin from Joel Shaw, 3656 Stagecoach Rd Unit 108, Longmont, $92,000, condo • Luke Parady from Jaime Trevino, 3 Barrow Pl, Longmont, $135,000, home • Jennifer Laspesa from Jonathan Weeks, 805 Summer Hawk Dr Unit K64, Longmont, $157,000, condo Berthoud • Lee Wright from Deborah Untener, 720 Sage Pl, Berthoud, $178,000, home Dacono • Domingo Gonzalez from Richmond American Homes Colo Inc, 4635 Sedona Ln, Dacono, $219,000, home

Simplify your

HOME SEARCH

• Aaron & Valerie Moore from Quality Service Group LLC, 3071 Meadowbrook Pl, Dacono, $255,000, home Erie • Yueping Fu from Fed Home Loan Mtg Corp, 3095 Blue Sky Cir Unit 13101, Erie, $91,500, condo • Meghna & Tushar Khatri from Tararussy Maryati, 1546 Hickory Dr, Erie, $285,000, home • Erik & Jill Biegler from Taylor Morrison Colo Inc, 1155 Koss St, Erie, $266,100, home • Richard & Mary Hodge from Richard Stomp, 1033 Zodo Ave, Erie, $390,000, home • Michelle & Michelle Brayman from Highland Acquisition Group LLC, 1247 Highland Wy, Erie, $145,000, home • Eugene & Valerie Fatur from Jennifer Hume, 2855 Blue Sky Cir Unit 3201, Erie, $143,000, condo • Marcelo Bernardes from Ryshawn Joyce, 906 Lasnik St, Erie, $390,000, home • Chad & Cheryl Stanley from Nathaniel Noertker, 1362 Graham Cir, Erie, $317,000, home • Daniel Syrek from Marie Cboins, 1224 N Egrew Ct, Erie, $290,000, home • Karisa Lorenz from Rick Hansen, 1379 Padfield Pl, Erie, $386,000, home • Eric Holle from Russell Pineda, 1551 Bain Dr, Erie, $226,000, home • Dean & Teresa Williams from TCF Natl Bank, 2159 Pinon Cir, Erie, $325,000, home • Scott & Carmen Beer from Joseph Zenisek, 2360 Dogwood Cir, Erie, $307,000, home Firestone • Frederick Riggs from Marquez Sergio, 413 McClure Ave, Firestone, $115,000, home • Harlo & Delsa Johnson from State Farm Bank, 5981 Stagecoach Ave, Firestone, $255,000, home • William Essmaker from Kevin Cunningham, 6842 Quincy Ave, Firestone, $192,000, home • Steven Bosley from Neil Hockstad, 5771 Pelican Shores Dr, Firestone, $725,000, home • Daniel & Cheryl Schell from Pushpa Boyle, 6665 Sunburst Ave, Firestone,

$248,500, home • Larry & Julie Jones from JJ Construction Northern Colo LLC, 9631 Buffalo St, Firestone, $238,900, home Fort Lupton • Thomas Falvo from Kevin Quynn, 4111 Falcon Dr, Fort Lupton, $345,000, home • Steven & Gayle Webb from Brighton Ind North LP, 13280 Weld County Road 10, Fort Lupton, $100,000, home • William & Lori Jenkins from Martin Savinsky, 15511 County Road 12, Fort Lupton, $695,000, home Frederick • Ryan & Joelle Hopkins from KBD Homes Inc, 2522 Steeple Rock Dr, Frederick, $317,100, home • Christopher & Melanie Jones from KBD Homes Inc, 6310 Steeple Rock Dr, Frederick, $287,000, home • Angela & Nicholas Campbell from Melody Homes Inc, 8141 Miller Dr, Frederick, $273,000, home • Todd Lowe from No Name Creek LLC, 5548 Drake Way, Frederick, $297,700, home Lyons • Mark Lonergan from Sharron Pearson, 365 Riverside Dr, Lyons, $245,000, home • Kaia & Richard Cochran from Francella Sevin, 443 Seward St, Lyons, $215,000, home Niwot • Dewey & Lisa Brown from Barbara Ponesse, 5836 Oxford Rd, Niwot, $2,000,000, home • Mr. Wayne from Lance Bieber, 8011 Countryside Park Unit 212, Niwot, $108,000, condo • David & Tiffaney Janowicz from Emily Gordon, 8668 Skyland Dr, Niwot, $750,000, home • David & Jane Roberts from Philip Judge, 7295 Timothy Pl, Niwot, $407,300, home Platteville • Melissa Baker from Eric Herren, 487 Stevens Cir, Platteville, $175,000, home • Highland LLC from Richard Strickland, 4830 County Road 34, Platteville, $350,000, home

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

July 30, 2011

Times-Call / Home & Real Estate Weekly

OPEN HOUSE DIRECTORY FEATURED HOMES Open Sat 12-2pm 809 Collyer St.

Open Sat 10am-1pm

Longmont $282,500

Longmont $184,000

1212 Spring Creek Ct

Great Location! 2 Bed, 2 Bath-Totally Updated!

Refinished Hardwood Floors. Enclosed Front Porch. Spacious Patio & Large Deck

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

Unit #308 Open Sat & Sun 11am-2pm

Saturday 12-2

Units 1005, 308, 307, 305 & 204

3814 Jay Hawk Ct., Dacono

$160,000 - $174,900

$490,000

10818 Cimarron St

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

Heather White • White & White Realty • (303)588-3317

Open Sat 11am - 1:00pm 850 Apple Valley Road, Lyons $46,000 price reduction to

Eagle Meadow Community

Firestone

Special 100% Loans & Down Payment Assistance Avail for NEW 2&3 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.

Lovely home, tri-level 1,781 sq ft 2-car garage, 3 bdrm, 2 bath Remodeled Kitchen, Hardwood Floors, Deck

$649,900

1 acre, 300+ ft. St. Vrain River frontage 3 bed, 2 bath, office, open floor plan Recent updating, awesome river view Walkout basement, wood burning fireplace New custom iron and wood railings

Sprawling 4 bed/4 ba Ranch on .64 acres, mtn views , 3 car garage, RV pad, Gourmet Kit, formal din rm, luxury master suite, must see!

Garry Callis • Legacy Real Estate Group • 303-257-4725

Margaret Kobobel • Re/Max Traditions • 303-591-6935

Day

Price

Location

Address

Hours

Office

Phone

Saturday

$725,000

Longmont

1545 Stardance

11:30- 2:30 PM

Mimi Miller Realty/Re/Max Sierra Vista-Quirico

303-709-6990

Saturday

$649,900

Lyons

850 Apple Valley Road

11:00am-1:00pm

Re/Max Traditions-Kobobel

303-591-6935

Saturday

$539,000

Longmont

1720 Twilight Ct

11:00 AM to 1:00 PM

Re/Max Traditions-Kokenzie

303-775-1084

Saturday

$490,000

Dacono

3814 Jay Hawk Court

12-2PM

Legacy Real Estate Group

303-257-4725

Saturday

$400,000

Longmont

1857 Caleta Way

11-4 PM

Boulder Creek Life & Home

303-309-0088

Saturday

$364,900

Longmont

621 Glenarbor Cir

10-12pm

ERA Tradewind Real Estate-Freeman

303-478-0300

Saturday

$289,000

Longmont

510 Peregrine

1-3pm

ERA Tradewind Real Estate-Freeman

303-478-0300

Saturday

$282,500

Longmont

809 Collyer St

12-2pm

RE/MAX Traditions/Lee

720-272-3028

Saturday

$235,000

Longmont

2400 Elmhurst Pl

11-1pm

ERA Tradewind Real Estate-Lubovich

303-591-6063

Saturday

$184,000

Longmont

1212 Spring Creek Ct

10-1 PM

White & White Realty, Inc.

303.588.3317

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 303.513.5597 • hafert@dailycamera.com or Susan Lind 303.473.1452 • linds@dailycamera.com

11

12

Times-Call / Home & Real Estate Weekly

July 30, 2011

OPEN HOUSE DIRECTORY FEATURED HOMES Open Sat 11-1

Open Sat 10-12

Open Sat 1-3

2400 Elmhurst Place

621 Glenarbor Circle

510 Peregrine Circle

$235,000

$364,900

Longmont

Longmont

3 Bed, 2 Bath, 1512 sq. ft.

Wonderful home on big corner lot in senior community.

Leslie Lubovich/ERA Tradewind • 303-591-6063

Longmont

$289,000

4 Bed, 3 Bath, 5112 sq. ft.

Great home directly on Ute Creek golf course with mountain views.

4 Bed, 3 Bath, 2-Car Garage. 4148 sq. ft.

Move-in ready! Immaculate 2-story home!

Chris Freeman/ERA Tradewind • 303-478-0300

Chris Freeman/ERA Tradewind • 303-478-0300

Open Sat & Sun 11-4pm

Open House Sat 11am-4pm

1665 Venice Ln

1857 Caleta Trl

SW Longmont

Longmont

$208,778

$400,000

1,400 SqFt, Dual Master Suites, 2.5 Baths 2 Car Attached Garage Under Construction Low-Maintenance Built Green & Energy Star Rated

www.LiveKingsbridge.com • 303-502-5338

ONLY $49!

2,569 SqFt, 3 Bed, 3 Bath Ranch Style Home Main Floor Master, Study & Laundry Backs to Left Hand Creek

www.LiveBoulderCreek.com • 303-309-0088

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 303.513.5597 • hafert@dailycamera.com or Susan Lind 303.473.1452 • linds@dailycamera.com

Day

Price

Location

Address

Hours

Office

Phone

Saturday & Sunday

$249,000

Longmont

15th & Francis

11-6 PM

Markel Homes

303-589-5752

Saturday & Sunday

$208,778

Longmont

1665 Venice Lane

11-4 PM

Boulder Creek Life & Home

303-502-5338

Saturday & Sunday

$160,000-$174,900

Firestone

10818 Cimarron Street

11am - 2pm RE/MAX Traditions - Kahler (Hostess: Heather)

303-589-5752

Sunday

$187,500

Longmont

919 Yucca Court

12-2 PM

303-915-8832

• YOU FIND THE HOME. • I CLOSE THE DEAL. • WE SPLIT THE COMMISSION.*

Re/Max Traditions-Danzl

“Working with Tommy was great and he saved us over $5,000 on the price of our house in commission fees alone!” ~ Cathy H. of Westminster

LEARN MORE ABOUT COMMISSION REBATES AT

WWW.COLORADOCOMMISSIONREBATE.COM

* Clients receive at least half of the buy-side commission that I receive... which is typically 2.8% of the purchase price of the home. While individual results will vary, this generally means that clients will get back at least 1.4% of purchase price. The commission rebate is provided as a credit at closing, requiring buyers to bring less cash to the closing table.

303.376.6111 t o m m y @ s l i c e r e a l t y. c o m