Home and Real Estate Weekly

LONGMONT TIMES-CALL | ARTS & ENTERTAINMENT MAGAZINE | SATURDAY, SEPTEMBER 17, 2011

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& Real Estate Weekly

September 17, 2011

Fall

Prep Get your home ready for cooler weather

Yellow jackets mean aphids and scale Mortgage default will hurt credit score

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September 17, 2011

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LONGMONT en Op

1316 S. Bross Lane

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LAFAYETTE en Op

-4 n. 1 Su

SUPERIOR en Op

2-2 n. 1 Su

Fall is just around the corner. Use our smart tips to prepare your house for the end of one season and the beginning of the next.

• Create a gallery wall with four to eight simple black frames, where you can switch out the artwork depending on the season.

Try using orange and red leaves in the fall.

• With long warm days, late summer is the right time to spruce up the outside of your home. By updating external paint colors, fresh landscaping along pathways and porch accessories, you can increase the value and appeal of your home.

• Walk through the house inspecting all doors, windows, hinges and locks. Replace any damaged hardware and don’t hesitate to call a pro to help with updating locks.

• Clean your shiny surfaces. To clean chrome, glass or stainlesssteel appliances, fill a spray bottle with a mixture of 50 percent rubbing alcohol and 50 percent water.

• Change air filters. It’s a simple but important step to take – every month, in fact; replace all air filters in your home for cleaner air and better circulation. Make a note on your calendar to remind yourself.

• When vacuuming the car, use the duster-brush attachment to get in all the nooks and crannies of the dashboard, center console and door panels. If you don’t have an attachment, use a paintbrush to dislodge the dust.

• Instead of pitching a vinyl shower curtain that looks past its peak, give it a thorough cleaning instead. Throw the shower curtain in the washing machine with a few towels, a cup of white vinegar and your detergent, then air dry.

• Take a good look at your garage door to determine whether you need to make any repairs before cool weather returns. Inspect the paint and exterior panels plus the automatic door wheels if you have them.

• When it comes to dusting, let gravity help: Do the plants first, followed by tables and finish with the floor. Invest in an ostrichdown duster and dust in straight lines so dust falls directly onto the floor. Always vacuum last.

• To revive droopy and dusty drapes, take them down, remove hooks and run them through an air-fluff cycle in the dryer along with a damp towel (to attract the dust) for 15 minutes. Re-hang immediately. Wipe blinds with a damp cloth.

– HGTV

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SUPERIOR

LOVELAND

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558 Zircon Way

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Time to prepare for fall

2905 Jade Court

On the Cover

Prepare your home for the fall season and cooler weather. (ShutterStock)

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30894 Hwy 37 Beautful Views from 3+ acre parcel. www.30894.wkre.com $89,900

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WKRE.COM

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

303.776.3344

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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September 17, 2011

2011 FL ATIRONS SEPTEMBER 17 & 18, 24 & 25

Whether you’re in the market for a new home or just want some inspiration for the decor, landscaping or layout of your current house, the Flatirons Tour of Homes is your chance to view some of the most beautiful homes in the Boulder, Broomfield, Longmont area. And it’s free. Visit FlatironsTourOfHomes.com to find pictures and descriptions of the homes on the Tour, as well as driving directions.

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September 17, 2011

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Mortgage default hurts those with a high credit report more score. In your case, their chart indicated that a Q: I was recently divorced and bought a person with a 780 credit score would lose about home. However, I have a rental property in an 100 points if they were 30 days late on a mortarea that is quite depressed and where crime gage payment and would lose about 130 points if has increased. Homes in that area are now there were more than 90 days late on a mortgage selling for about $15,000 and there are few payment. If a borrower undertook a short sale, renters moving in. deed in lieu of foreclosure or a I need to sell the rental settlement with a bank where property, as it has now there was no deficiency still owdrained me financially. I ing the bank, the credit score missed one payment. I hit would be about 125 points. don’t think my bank is likeFinally, a short sale with a defily to accept a short sale. ciency reported or a foreclosure My bank said that they would negatively affect a perwould only consider a deed son’s credit score by about 160 in lieu of foreclosure if I put points. the home up for sale and it The worst thing for a credit doesn’t sell in three Ilyce Glink & Sam Tamkin score for a person in your situamonths.

Tribune Media Services tion would be bankruptcy. It I have a tenant in the would cause a drop of about property, but he only pays 230 points. sporadically, and I don’t have the funds to While these numbers are a guide to what might evict him. My credit score is 790 and I live in happen to a person in your situation, you need to Georgia. keep in mind that your credit issues can have a Do you know how much my score would cumulative effect on your credit score. If you are drop if I did a foreclosure or short sale? I am late on your mortgage payments and then underliving hand-to-mouth, and at this point I am take a short sale, your credit score might fall 170 thinking to go the route of the foreclosure. I points. can’t live like this anymore.

You can see the blog post and the charts for A: Earlier this year, a blog post on FICO.com various starting credit scores at http://bankingan gave some insight into how certain mortgage-realyticsblog.fico.com/2011/03/research-looks-atlated problems would impact a person’s FICO how-mortgage-delinquencies-affect-scores.html. credit score. The blog post had a chart that You can also see a chart there on the number of showed the decline in a person’s credit score due years it may take for your credit score to return to to four events: a late mortgage payment, a short its current level. sale, a foreclosure and bankruptcy.

However, at this point, credit shouldn’t be your It was interesting to note that a person with a primary concern. . What you need to do is conhigher credit score gets hit harder with one of sider stopping all payments, and shoring up your cash reserve. You’ll need it. these events than a person with a lower credit

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Times-Call / Home & Real Estate Weekly

5

Mortgages can pay for home renovation

By Polyana Da Costa bankrate.com

Two little-known home renovation mortgage programs offer solutions for buyers and homeowners who want to renovate.

Fannie Mae and the Federal Housing Administration have home renovation mortgage programs that allow buyers to borrow based on what the house is expected to be worth after the home rehab is completed. Homeowners can also use both programs to refinance their existing mortgage, plus the renovation costs, into one loan.

FHA’s 203(k) program and Fannie’s HomeStyle Renovation Mortgage have been around for years. “A couple years ago there wasn’t as much demand for these loans,� says

standard FHA 203(k) program, the borrower hires a consultant to assess the construction plan and to perform an inspection before a “draw� – when a portion of the money is disbursed to the contractor. Borrowers have up to six months and five draws to finish a project. The HomeStyle program does not require a consultant to monitor the work, only an initial and final inspection.

While rehab loans involve more work than traditional mortgages, they can help those who want to buy discounted homes that need repair.

Shepherd says he recently helped a couple that bought a foreclosed house in Kansas City, Mo., for $26,000 and borrowed $136,000 to renovate the property. An appraisal estimated the home

609 Bross Street

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Leesa Sandoval, a loan officer with PrimeLending in Dallas who specializes in renovation mortgages. “But now they are great to get some of this (housing) inventory sold and get these foreclosures out of the market.�

The FHA insured 22,491 home renovation mortgages in the 2010 fiscal year – more than six times the number it insured in 2007, according to the agency’s latest report on 203(k) loans.

Dustan Shepherd, a loan officer and 203(k) specialist with BNC National Bank in Overland Park, Kan., says while demand for the rehab loans is up, many borrowers are not aware of the programs or think they are too complicated.

Unlike credit lines, these renovation loans require borrowers to show the money was spent on the house. In the

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would be worth about $135,000 after the work is completed. The couple was able to take out an FHA 203(k) mortgage totaling $144,000, which covered the price of the house, renovations, and loan costs, minus a down payment. “It’s a great way to buy low and renovate to the buyer’s specific style and taste,� says Sandoval.

But how do you know which loan is better? It depends on the situation.

Those who don’t have great credit should probably opt for an FHA 203(k).

Most HomeStyle lenders require a credit score above 680. To get the best rate on a HomeStyle mortgage, borrowers need to have a minimum 740 credit score, Sandoval says.

For borrowers with credit scores

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September 17, 2011

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Yellow jackets mean aphids and scale The big buzz in the garden right now is centered around the burr oak growing in our front yard. The deeply lobed leaves are swarming with activity; so many insects are swooping and diving, it looks more like a space station out of Star Wars than a tree.

A closer look shows the busy bugs to be yellow jackets, gleaning the tree for honeydew. The sugary waste excreted by sap-sucking bugs is what the wasps are after, which shows you just how far the sugar addicted will go to satisfy a sweet tooth. The wasps aren’t a problem for the tree, but they can get aggressive in their search for sugar.

What can be a problem for the tree are the insects making the honeydew, bugs such as aphids or scale. Aphids – soft bodied, pearshaped insects that suck sap – continue to be a problem for plants this year. Their late-season boom in population doesn’t harm the tree, but it can set the plant up for the problems next spring as eggs are laid near buds and in bark crevasses.

Scale insects are also sap feeders, but because they’re small and immobile for most of Carol O’Meara their life, most people never notice them Colorado State quietly pulling the life from the tree.

University Extension Cousins to aphids, they sport an armored shell that protects them from predators and people. Aspen, ash, lilac, cotoneaster, willow and poplars are favorite targets of Oystershell scale, while pines and spruce fall victim to pine needle or pine tortoise scales. Most trees have scale that can attack them.

For those who are continually trying to wrest control of the garden back from these small insects, a change of strategy may help. To keep aphids and scale under control, plan ahead for next season, taking steps during the dormant time to eliminate most of them. Although mulch is a critical item to plant health over winter, clean-up of leaf litter on the mulch surface in the fall is a crucial step to reducing numbers of over wintering aphids seeking shelter.

To remove oystershell scale a gentle scrubbing of the trunk will exfoliate the bugs from the plant. Use a soft, soap-free plastic scrubber, bearing down lightly to remove the scale, not the bark.

If the tree is heavily infested with aphids or scale a stronger approach is needed, such as applications of dormant oil during late winter. These oils are refined for use on plants as a way to smother the insect or eggs and kill it. But a few words of caution when applying dormant oils: make certain that the oil is labeled for use on the plant. Many woody plants are sensitive to oils and could be harmed, rather than helped.

Apply oils during warmer, dry days of early spring – before bud break and not in freezing weather. Dormant oil is for use before active growth of the plant begins, not when shoots are growing, so wait until late winter. If applied too early, such as in the fall, plants may be prone to winter damage.

But back to the wasps, which are a problem with their aggressive foraging in fall. The best way to fix it is to find the nest and destroy it. This is not for the faint of heart; yellow jackets are a ground dwelling wasp, and post ill-tempered sentries at the entrance to their nest.

Lure them to a trap baited with heptyl butyrate, which is similar to sugar water. These brightly colored plastic tubes entice yellow jackets, but not honey bees, with the sweet drink they crave.

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.

Washer/Dryer Hook-ups

Washer/Dryer Facilities

Pets

Allow Smoking?

# of Baths Lease Required

$835$840

1

1

Yes

No

Yes

Yes

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

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$100 $200 $300

1,2,& 3

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Yes

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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

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Yes

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

Tanglewood Condominiums Senior Community

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$789$1239

$12401625

$200

$12401625

1, 2, 3

1, 2

1, 2

Yes

Yes

Some

Yes

Yes $50+ mo.

7

upper limit in highest-cost areas is $729,750 through September.

With a 203(k) loan, borrowers can get up to 110 percent of the home’s appraised value, compared to 95 percent with a HomeStyle loan. Both appraisals are based on what the house is expected to be worth after repairs.

$885$890

2400 17th Ave. • 303-772-4667

Longmont, CO

The FHA 203(k) program is available only for owner-occupants. The HomeStyle program allows investors.

The 203(k) rehab mortgage must comply with FHA loan limits. The limit varies by county but is $271,050 in most places. In high-cost areas, the limit is as a high as $625,500 starting Oct. 1. The

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

1566894

# of Bedrooms

Address Phone

Complex Name

FHA does not set a minimum score requirement for 203(k) loans, but many lenders require a score of 640 or greater.

Deposit

lower than 740, it’s best to compare estimates, Sandoval says.

There are a few exceptions and some lenders accept scores as low as 600, Shepherd says.

Under the FHA’s 203(k) program, borrowers can get a mortgage with a down payment as little as 3.5 percent.

HomeStyle requires a minimum 5 percent down payment.

Price Range

Continued from 5

Times-Call / Home & Real Estate Weekly

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September 17, 2011

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Niwot By Owner, 4 bdrm, 3.25 ba, ponds, high end finishes. Home worth $700k Starting bids at $349,500. Open Sat-Sun 10-5. Selling decision made Sun night. 720-325-9895

5007

Financing available Pet Friendly

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

Mobile Home For Sale

BUYING & SELLING All types & sizes of mobile homes!

Judy 970-690-3283 Eagle Crest $48,000 Lg dbl wide in fine cond., 2 car gar, owner will finance 303-570-6257

End Unit, Pasture View

Weston Manor #28 17th & Main, LNGMT 55+,14x60 Magnolia, 2BR, new carpet, appliances & paint.

Carport & 2 storage sheds, $12,900

303-946-0865

Loveland Very nice 14x70 2BR, 2BA, lg covered deck, shed. $24,500 970-980-4871 Adult Community

4eaglecrest.com *Expires 9/30/11

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

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

Offer expires 10/15/11 970-377-0990

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

Quick Easy Credit 970-420-8488

6000

Homes for Rent

6000

Homes for Rent

1008 Terry, 3 bdrm, 3/4 ba, unfin bsmt, 2 car gar, $950/mo RMG Realty, 303-772-4466 1328 S Lincoln 4BR, 2 BA, 2 car, frplc, fncd yd $1195/mo +dep 303-678-9544 1BR Apt in N Longmont 62 or older or persons w/disabilities Call for move-in Specials 303-485-5232

2, 3, 4 Bedroom Homes 1248 Grant St, 10694 Upper Ridge, 2628 Danbury Dr, 1021 Alta, 2401 Atwood 303 Mumford 695 Glenarbor Cir 1250 Linden St 48 Placer Ave 37 Meredith Lane 1965 Carr Ct Call PMP 303-776-RENT 2 BDRM, 1 BA, Old Town, oversize 1 car gar. Low maint back yard, w/d. Pet Neg. $895/mo+dep.

303-818-3522

6001

Apartments for Rent

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

55+ COMMUNITY!

2BD, 2BA, Study, 2Car Includes yard care, snow moved, access to Hover AT-HOME services, i.e. house-keeping, errands, etc.

No smoking, no pets.

Avail 10/1, $1295/mo CALL 720 244-0980 Cabin 2BR + office + loft. Huge covered deck near Bldr/ Lgmt $1150/mo. 1 yr lease.

303-522-8312 Owner/Broker

RENT to OWN

3BR 2.5BA $1495/mo 866-810-1446 ex1021

24 hr free rec msg

3BR, 2BA Close to Great Schools & Park.

Sprinkler sys, fireplace, 2 car gar, 1600sf, N/P/S $1300

(303)774-8000

Place your ad.

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

1 & 2 BR Apt. Homes Victoria Inn Apts.

2400 17th Ave. 303-772-4667 1431 Stuart 1BR, 1BA, ground level, heat & water incl. $550/mo RMG Realty, 303-772-4466 2BD, 1.5BA, Carport WD hkup N/S/P $825 303-444-0501

2 BDRM APTS

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

917 SUNSET, #302 2 Bdrm, 1 ba, incl heat, wtr & trash. $700 RMG Realty, 303-772-4466

APTS YOUR CHOICE! www.alertrealty.net

Available Now!

2021 Spencer Street 303-775-0108

3+ BR on Golf Course 733 Glenarbor Circle 2 bath - big spaces nice finishes 3,500sf $2150/mo+util, pets neg. 970.231.9921 4BR, 3BA, 3 car gar @ 1232 Button Rock, near schools & parks, upgrades, no pets, $1700, 720-935-7859 $625, bsmt apt Lgmt, incl all utils/ cbl/int.

Avl 10/6 303-668 5687

WHY RENT? Own a home for

$O Down!

Do you qualify? Call Devin O’Branagan Referral Only Realty

303-772-7343

6001

Apartments for Rent

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

EASTGLEN APTS 630 Lashley, Longmont

(303)682-2943

1, 2 & 3 BEDROOMS: laundry.

Wtr, trash, sewer pd

Newly Remodeled 2BR, 1BA. Longmont Housing accepted.

303-530-0991 ROOMS & Apartments Weekly/Monthly, from $100/week. Utililties included. (303)931-7108

September 17, 2011

6001

Apartments for Rent

for 6005 RentApts.

Furnished Beautiful, quiet 2BR apt. in historic home, W/D, N/P/S $1050/mo inclds utils, cable & wifi 303-809-4287 SEMI-FURN Rooms/Apts Wkly/mnthly from $100/wk Utils/micro/fridge inc (303)931-7108

VALUE PLACE FIRESTONE

6007

2 BD, DW, gar. N/S/P $795, 303-776-8038 720-442-3443 Avail Oct. 1st, 2BR, 2 BA 1 car, W/D hk. fenced bk yd, no pets. $875/ mo +dep 303-651-2573

$189.99/wk for Studio

2-3 Bedroom 344 Colony Pl. 50 19th Ave. Call PMP, 303-776-RENT

Perfect for visiting friends & family!

I-25 & Hwy 119, Longmont exit 240.

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

*Expires 9/30/11 *New Guests Only* Townhomes/

6002 Condos for Rent 2006 McCall 2BR, 1100 sqft, Avail Immed $795 303-440-8200 2 bdrm $725 2 bdrm, 1.5 ba, crprt, storage $825 2 bdrm + gar $925 Ref & dep required.

720-334-0695 2 BR 3.5 Ba Beautiful TH- 930 Button Rock $1195. 1 car gar 970-669-0842 or RMPM.com

3BR, 2BA 1200 sq ft Condo in Summerhawk w/42“ HDTV, community pool, A/C & all appliances incl w/d. $1170+dep includes trash, basic cable &

Duplex/Condo

Frederick 1 bdrm duplex, 537 5th St. $595 Call PMP, 303-776-RENT Lg 3BR, 2BA, vaulted ceilings, frplc, bsmnt, AC, NO PETS $850 303-499-7997

6009

Housemates/ Roommates

Nice Home in Good Neighborhood M/F to share clean, 3BR, 2BA home in Erie. $465rent + $350dep.

www.dottedi.biz/rental

Bob 303-926-0167

N/S Roommates wanted first come first serve, lg rooms avail. 9/1 $500 inclds utls.

720-327-5749 Roommate Wanted, Large bdrm, college student or must have stable job. $400+ util &dep. 303-709-3841

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

6016

Office Space for Lease

DRIVE YOUR WHEELS List your car and

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

6017

50 19th Ave Unit 76: 2BR,997sq.ft Avail Immed,$895 303-440-8200 Powderhorn Condo 2BR, 2BA, $1000/mo inclds all fees & utls.

303-530-7490

for 6005 RentApts.

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

Indust./Comm’l for Lease

788 Sq Ft, Downtown Louisville.

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

6018

Storage Space for Lease

COMMERCIAL STORAGE 1 blk off Main & E. 17th 2-650sf units, w/ 3’ door, 9’x9’ gar.dr., $390/mo 1-1300sf unit w/ 2-3’ doors, 2-9’x9’ gar.drs., $700/mo Call 303-775-0391 INDOOR GARAGE & Commercial Storage 20x40x16 w/14x14 doors start at $300.

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

6020

Mobile Home For Rent

FALL SPECIALS! FREE RENT & reduced deposits!!

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

3 to 4 bedrooms and 2 baths

720-272-3028

3.5 ba, 1800+ sf. Like new * nice Longmont location! $1300/mo.

720 771-7632.

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

get ready to roll. $10, 3 lines, 30 days Place your ad.

Call 303-466-3636 or 970-635-3650 Or visit FrontRangeClassifieds.com

H2O No Pets/No Smoke

3 BR Semi-furn.

9

Office Space for Lease

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

Duplexes

New Extended Stay Hotel

1st 2 weeks ONLY

6016

Times-Call / Home & Real Estate Weekly

Fitness room Club House Playground Pool Pet Friendly

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

1 yr Free Rent!

GET IT DONE.

Expires

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

9/30/2011

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

303.466.3636 Boulder/Broomfield/longmont 970.635.3650 loveland

10

Times-Call / Home & Real Estate Weekly

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

Longmont • Jennifer Ryan from Josef Bencsik, 1529 Prairie Hawk Dr, Longmont, $259,900, home • Nathan & Rebecca Doyle from Steve Catalano, 510 Collyer St, Longmont, $235,500, home • Tory Wunder from Donald Nicoll, 1400 E 9th Ave, Longmont, $230,000, home • Bruce & Sandra Shibles from Sandor Demosthenes, 11773 Pleasant View Rdg, Longmont, $365,000, home • Jessica Graziano from Patricia Dickson, 4517 Bella Vista Dr, Longmont, $337,000, home • Jeremy Dolloff from Discovery Investments LLC, 2120 Hackberry Cir, Longmont, $158,000, home • Susan Kitchen from Grover Enny, 1515 Linden St, Longmont, $277,000, home • Eric Scamehorn from Federal Home Loan Mortgage Corp, 358 Sunnyside Ln, Longmont, $80,000, home • Irma & Adan Vazquez from Federal Home Loan Mortgage Corp, 1294 Fall River Cir, Longmont, $189,000, home • John & Shelly Cox from Michael Hoog, 1309 Monarch Ave, Longmont, $200,000, home • Jonathan & Raeanna Roylance from David Kihm, 823 Bluefield Ct, Longmont, $385,000, home • Mark Rayman from Lois P Rayman Living Trust, 3118 Lakeview Cir, Longmont, $215,000, home • Krista Borger from Gregory Payne, 633 Hilltop St, Longmont, $164,000, home • Valentin Isais from Donald Reback, 1284 Cumberland Dr, Longmont, $190,000, home • Robert & Susan Lock from Judith Weinacht, 1216 Cornell Dr, Longmont, $220,000, home • Sherry McIntosh from Keith Wojciechowski, 1725 Spencer St, Longmont, $179,000, home • Patrick Kilfoile from Tory Wunder, 521 Sandpoint Dr, Longmont, $239,000, home • Patrick & Jacqueline Arias from Au-

September 17, 2011

rora Loan Services LLC, 9771 Niwot Rd, Longmont, $710,000, home • Timothy Bennett from David Denesha, 1427 Lincoln Cir, Longmont, $190,000, home • Scott & Mellisa Fischer from Fannie Mae, 2236 Smith Dr, Longmont, $158,500, home • Melissa & Philip Donela from JPMorgan Chase Bank, 136 Grant St, Longmont, $135,000, home Berthoud • Michelle Normoyledietz from Berthoud Investments LLP, 835 Gentlewind Way, Berthoud, $157,500, home • Derek & Emmy Ingham from Jerrold Judd, 215 E Michigan Ave, Berthoud, $238,000, home • Resident from Timberline Church, 348 5th St, Berthoud, $98,000, home • Daniel & Marsha OConnell from Homesales Inc, 408 Wark Ave, Berthoud, $105,000, home Erie • Christopher & Tabitha Aaron from Richard Johnston, 1333 Banner Cir, Erie, $318,000, home • Robert & Megha Coy from Graham Stewart, 2108 Pinon Dr, Erie, $310,000, home Firestone • Traci & Jarom Paice from Leslie Meyer, 6869 Sage Ave, Firestone, $340,000, home Frederick • Gregory & Karen Young from Hai Chau, 5315 Coyote Dr, Frederick, $205,000, home • Tricia Nickson from Stephen Desmond, 4849 Barn Owl Dr, Frederick, $277,300, home • Jeremy Felix from Jeremy Felix, 3120 Comanche Ct, Frederick, $110,500, home • Charles Folden from Melody Homes Inc, 8344 Brandywine Ave, Frederick, $263,200, home • Kenneth & Carolyn Jones from Rali, 5725 Skyline Ave, Frederick, $180,000, home Lyons • Daniel Hoy from Alison Schneider, 900 Kiowa Rd, Lyons, $368,200, home • Little LLC from Marguerite Peoples,

Simplify your

HOME SEARCH

436 High St, Lyons, $129,000, home Niwot • Jonathan Jargon from Adam Armold, 8934 Walker Rd, Niwot, $455,000, home Platteville • Mariano Velasco from George Barrett, 16492 Fairbanks Dr S, Platteville, $44,000, home •Francisco & Patrici Barron from Smith Gib, 10508 Weld County Road 225, Platteville, $550,000, home Foreclosures – Notice of election and demand • Borrower: Thomas & Brigit Hauck, Lender: The Bank Of New York Mellon, Amount: $1,341,517, Property: 6373 Snowberry Ln, Batesburg, Filed: 09/02/11 • Borrower: Joyce Stoner, Lender: Adams Bank & Trust, Amount: $208,760, Property: 307 Welch Ave, Berthoud, Filed: 09/02/11 • Borrower: Diana & David Patrick, Lender: Wells Fargo Bank NA, Amount: $235,301, Property: 1960 Clark Ct, Erie, Filed: 09/01/11 • Borrower: Patsy Stephens, Lender: Wells Fargo Bank NA, Amount: $80,536, Property: 14627 County Road 22, Fort Lupton, Filed: 09/07/11 • Borrower: Bernard & Jenny Goetze, Lender: The Bank Of New York Mellon, Amount: $173,055, Property: 5406 Wolf St, Frederick, Filed: 09/06/11 • Borrower: Charles Gossage, Lender: Onewest Bank FSB, Amount: $264,380, Property: 1813 Crestone Ct, Longmont, Filed: 09/01/11 • Borrower: Michael & Lois Moger, Lender: Elevations Credit Union, Amount: $371,976, Property: 11022 N 66th St, Longmont, Filed: 09/02/11 • Borrower: Daniel & Little Dove Rios, Lender: Wells Fargo Bank NA, Amount: $207,328, Property: 1437 S Terry St, Longmont, Filed: 09/02/11 • Borrower: Theodore Martinez, Lender: Wells Fargo Bank NA, Amount: $152,569, Property: 1039 Gay St, Longmont, Filed: 09/02/11 • Borrower: Brett & Jeanne Crall, Lender: Bank Of America as Successor, Amount: $259,843, Property: 729 Tanager Cir, Longmont, Filed: 09/06/11

• Borrower: Cynthia Gutierrez & Peter Valle, Lender: Bank Of America NA As Successor, Amount: $139,109, Property: 721 Martin St, Longmont, Filed: 09/06/11 • Borrower: Gerry Withers, Lender: Aurora Bank, Amount: $132,800, Property: 933 Quartz Ct, Longmont, Filed: 09/06/11 • Borrower: Twin Peaks Pl LLC, Lender: Bank Of America NA Successor, Amount: $26,479,674, Property: 2000 Ken Pratt Blvd, Longmont, Filed: 09/06/11 • Borrower: Ofelia Treto, Lender: The Bank Of New York Mellon, Amount: $169,872, Property: 2025 Mount Sneffels St, Longmont, Filed: 09/07/11 • Borrower: Christian Debaun, Lender: US Bank National Association, Amount: $116,443, Property: 1601 Great Western Dr I1, Longmont, Filed: 09/07/11 • Borrower: Gregory & Tamara Nott, Lender: Wells Fargo Bank NA, Amount: $291,041, Property: 1104 Chestnut Dr, Longmont, Filed: 09/07/11 • Borrower: Jose & Norma Rios, Lender: Aurora Bank FSB, Amount: $131,552, Property: 125 Empson Dr, Longmont, Filed: 09/07/11 • Borrower: Kim & Robert Cinea, Lender: S & A Capital Partners Inc, Amount: $23,139, Property: 2632 Danbury Dr, Longmont, Filed: 09/07/11 • Borrower: Thomas & Marcia Provost, Lender: Adams Bank & Trust, Amount: $40,000, Property: 811 E 5th Ave, Lyons, Filed: 09/02/11 • Borrower: David Sennewald, Lender: Wells Fargo Bank NA As Trustee, Amount: $262,175, Property: 1051 E 5th Ave, Lyons, Filed: 09/02/11 • Borrower: Shane & Tina Hill, Lender: The Bank Of New York Mellon, Amount: $287,950, Property: 1829 1st St, Berthoud, Filed: 07/06/11 • Borrower: Catherine Floyd, Lender: Wells Fargo Bank NA, Amount: $317,607, Property: 5121 Foothills Dr, Berthoud, Filed: 07/06/11 • Borrower: Kay & Paul Thomson, Lender: JPMorgan Chase Bank National Association, Amount: $293,963, Property: 2563 County Road 42, Berthoud, Filed: 07/01/11

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

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

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September 17, 2011 Real Estate Transactions are supplied by Prospects Unlimited Inc., www.prospectsunlimited.com, 303-979-9536.

Foreclosures – Notice of election and demand • Borrower: Susan London, Lender: HSBC Bank USA National Association, Amount: $177,554, Property: 302 3rd St, Dacono, Filed: 07/06/11 • Borrower: Rene & Kelly Rivera, Lender: Wells Fargo Bank NA, Amount: $199,059, Property: 1105 Sunrise Cir, Dacono, Filed: 07/06/11 • Borrower: Ralph Nations, Lender: BAC Home Loans Servicing LP, Amount: $349,969, Property: 1420 Rue De Trust, Erie, Filed: 07/01/11 • Borrower: Kathleen Denzer, Lender: BAC Home Loans Servicing LP, Amount: $148,949, Property: 2855 Blue Sky Cir 3-303, Erie, Filed: 07/01/11 • Borrower: Timothy & Barbara Tomasso, Lender: The Bank Of New York Mellon, Amount: $343,591, Property: 944 Reliance Dr, Erie, Filed: 07/06/11 • Borrower: Geoffrey & Laurie Miller, Lender: Citimortgage Inc, Amount: $268,867, Property: 6055 Ulysses Ave, Firestone, Filed: 07/01/11 • Borrower: Morganti Properties LLC, Lender: Wells Fargo Bank NA DBA Americas, Amount: $94,720, Property: 366 Wooster Ave, Firestone, Filed:

07/01/11 • Borrower: Gwen Lavoie, Lender: Branch Banking And Trust Company, Amount: $135,006, Property: 10818 Cimmarron St 301, Firestone, Filed: 07/06/11 • Borrower: Ray Brown, Lender: The Bank Of New York Mellon, Amount: $164,416, Property: 6914 Summerset Ave, Firestone, Filed: 07/06/11 • Borrower: David Hollenbeck, Lender: Everbank, Amount: $301,412, Property: 5547 Wetlands Dr, Frederick, Filed: 07/06/11 • Borrower: Arman & Amy Nolledo, Lender: Wells Fargo Bank NA, Amount: $405,000, Property: 4120 Portofino Dr, Longmont, Filed: 07/01/11 • Borrower: Mario Medellin, Lender: Citimortgage Inc, Amount: $164,305, Property: 1204 Meadow St, Longmont, Filed: 07/01/11 • Borrower: Maria Coria, Lender: BAC Home Loans Servicing LP, Amount: $217,025, Property: 1337 Garden Pl, Longmont, Filed: 07/01/11 • Borrower: Darryl & Nina Johnson, Lender: Wells Fargo Bank NA, Amount: $201,168, Property: 438 Highland Dr, Longmont, Filed: 07/01/11 • Borrower: Holly Bornschlegel, Lender: Wells Fargo Bank NA, Amount: $130,702, Property: 800 Lincoln St D, Longmont, Filed: 06/30/11

Times-Call / Home & Real Estate Weekly

• Borrower: Frank Paniagua, Lender: The Bank Of New York Mellon, Amount: $122,652, Property: 841 Bross St, Longmont, Filed: 07/05/11 • Borrower: Frank Paniagua, Lender: The Bank Of New York Mellon, Amount: $122,652, Property: 841 Bross St, Longmont, Filed: 07/06/11 • Borrower: Willard & Tanya Kenyon, Lender: Messner & Reeves LLC, Amount: $152,435, Property: 603 County Road 18, Longmont, Filed: 07/01/11 • Borrower: Marie Snyder, Lender: Deutsche Bank National Trust Company, Amount: $398,930, Property: 11823 N Beasley Rd, Longmont, Filed: 07/06/11 • Borrower: Greg Johnson, Lender: Provident Funding Associates LP, Amount: $367,372, Property: 128 Falcon Ln, Lyons, Filed: 07/01/11 • Borrower: Thomas Hermosillo, Lender: GMAC Mortgage LLC, Amount: $137,304, Property: 506 Olive Ln, Platteville, Filed: 07/06/11 Frederick • Todd & Jeannie Rentmeester from Dwight Hull, 5516 Palomino Way, Frederick, $365,000, home • Steven & Judy Sinkule from KBD Homes Inc, 6511 Black Mesa Rd, Frederick, $421,800, home • Borrower: Duncan & Jennifer Shaw, Lender: US Bank National Association, Amount: $208,993, Property: 640 Pyra-

11

mid Peak St, Berthoud, Filed: 07/13/11 • Borrower: Jared & Anya Crace, Lender: Nationstar Mortgage LLC, Amount: $180,027, Property: 115 Brittany Ct, Dacono, Filed: 07/07/11 • Borrower: Marie Gabriella, Lender: US Bank National Association, Amount: $359,991, Property: 4415 Ne County Line Rd, Erie, Filed: 07/08/11 • Borrower: Bruce Hunt, Lender: Citimortgage Inc, Amount: $293,222, Property: 1942 Windemere Ln, Erie, Filed: 07/07/11 • Borrower: John & Janice Shattuck, Lender: JPMorgan Chase Bank National Association, Amount: $777,775, Property: 115 Beech Ct, Erie, Filed: 07/08/11 • Borrower: Scott Lang, Lender: JPMorgan Chase Bank Na Successor, Amount: $169,960, Property: 105 Briggs St, Erie, Filed: 07/11/11 • Borrower: Torry & Kiley Avery, Lender: Deutsche Bank National Trust Company, Amount: $180,965, Property: 10481 Taylor Ave, Firestone, Filed: 07/08/11 • Borrower: Louis Goldsby, Lender: Public Service Credit Union, Amount: $234,940, Property: 13831 County Road 22, Fort Lupton, Filed: 07/08/11 • Borrower: Yun & John Park, Lender: Wells Fargo Bank NA, Amount: $202,844, Property: 4834 Eagle Blvd, Frederick, Filed: 07/11/11

QUAIL CROSSING OPEN HOUSES Open Saturday 1-3pm

Open Saturday 1-3pm • 2 bdrm/2 baths • Hardwood flrs throughout • New S.S. kit. appl./new W/D • Framed basement with radon mitigation

930 Button Rock, Q-97 Longmont, 80504 $151,000 Sybil Zikmund, Re/Max of Boulder • 303-717-0448

• 2 bdrm/3 baths • Impeccable townhome • Unfinished basement • Detached, single garage + parking space 930 Button Rock Drive, C-14 Longmont, 80504 $155,000 Debbie Haubert-Halsey, Wright Kingdom Real Estate • 303-588-2128

Open Saturday 1-3pm

Open Saturday 1-3pm

R E A L

E S T A T E

• 2 bdrm/2 baths/1764 total sq. ft.

• Impeccable end unit townhome • Unfinished basement • Detached, single garage + parking space

• 2 bdrm/2 baths/1764 total sq. ft.

• Impeccable end unit townhome • Basement may be finished-ask how • Detached, single garage + parking space 930 Button Rock Drive #4 Longmont, 80504 $157,000 Jill Allington, ReMax Traditions • 720-323-4214

WRIGHT KINGDOM

930 Button Rock Drive, M-75 Longmont, 80504 $155,950 Ron Cooper, ReMax Alliance-Bldr • 720-323-4214

12

Times-Call / Home & Real Estate Weekly

September 17, 2011

OPEN HOUSE

Open Sat 11-2

1703 Whitehall Dr 9A Longmont

DIRECTORY

$168,000

2 Beds, 2 Baths, 1414 sq. ft. Condo Main Flr is 2+ Car Tandem Garage Beautiful Upgraded Open Flr Plan New Carpet, Paint, Appliances & More!

FEATURED HOMES

Tracy Graham/Remax Traditions • 720-272-0183

Open Sat 11-1pm

Saturday 11-1pm

1720 Twilight Court, 80504

3814 Jay Hawk Ct., Dacono Eagle Meadow Community

Longmont

$475,000

$529,000

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

Open Saturday 1-3pm

John Kokenzie • RE/MAX • 303-775-1084

Open Sat 11-1

Open Sun 11-2

Longmont

Lyons

640 Gooseberry Dr. #303

1439 Beatrice Court

$169,900

NOW ONLY

Longmont

Semi-Custom, Stone and Stucco 3 bed, 4 baths. Fabulous Sundance Subdivision. Backs To Open Space-Union Res & Mountain Views. Upgrades Throughout-Elegance Abounds.

314 Main St.

$295,000

$215,000!

Beautiful 2 BR Condo New Carpets, Great Paint, New Water Heater Ann Mills • Niwot Real Estate Inc. • 303-875-7071 • annmills1@msn.com

Price reduced on this updated ranch duplex in Longmont Village. Wood floors in BR and living areas, newer appliances in kitchen, 2 car attached garage.

Deanna Dyer • Dyer Realty, Inc. • 303-772-3200

Rare opportunity to own one of Lyons’ quaint craftsman-style bungalows zoned commercial with optional residential use.

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

Day

Price

Location

Address

Hours

Office

Phone

Saturday

$168,000

Longmont

1703 Whitehall Dr 9A

11-2PM

Re/MAX Traditions/Graham

720-272-0183

Saturday

$169,900

Longmont

640 Gooseberry Dr. #303

1-3PM

Niwot Real Estate Inc/Mills

303-875-7071

Saturday

$179,500

Longmont

1011Sonoma Cir 3-E

12-3 PM

ERA Tradewind/Seeley

303-589-4719

Saturday

$208,000

Longmont

907 E. 5th Avenue

11AM-1PM

Wright Kingdom/Dene Yarwood

303-808-0076

Saturday

$215,000

Longmont

1439 Beatrice Court

11-1 PM

Dyer Realty, Inc./Dyer

303-772-3200

Saturday

$475,000

Dacono

3814 Jay Hawk Ct.

11-1PM

Legacy Real Estate Group/Callis

303-257-4725

Saturday

$529,000

Longmont

1720 Twilight Court

11-1PM

RE/MAX Traditions/Kokenzie

303-775-1084

Saturday

$184,900

Longmont

1514 S. Vivian St.

2-4 PM

Coldwell Banker Residential Brokerage/Napier

303-775-5234

Saturday & Sunday

$249,000

Longmont

15th & Francis

11-6 PM

Markel Homes

303-589-5752

Sunday

$149,900

Longmont

1551 Centennial Drive

12PM-2PM

Wright Kingdom/Diane MacInness

303-818-6400

Sunday

$159,900

Longmont

1232 Atwood

1 to 3 PM

Coldwell Banker Residential Brokerage/Torres

720-320-1405

Sunday

$203,900

Longmont

1212 Trout Creek Circle

1-3 PM

Colorado Gold Real Estate/Renken

303-717-8991

Sunday

$260,000

Longmont

1608 Oak Ridge Lane

10-12 PM

Coldwell Banker Residential Brokerage/Napier

720-320-1405

Sunday

$295,000

Lyons

314 Main St.

11-2 PM

Coldwell Bank Residential/Jonelle Tucker

303-902-6250

Sunday

$334,900

Boulder

1299 Yellow Pine Avenue

11AM-1PM

Wright Kingdom/Rachel Weinberg

303-541-1913

Sunday

$499,900

Lafayette

2840 Antelope Court

1PM-3PM

Wright Kingdom/Rob Justis

303-817-0906

Sunday

$579,000

Superior

2905 Jade Court

12PM-2PM

Wright Kingdom/Jill Muller

303-941-6927

Sunday

$599,000

Boulder

542 Seven Hills Drive

1PM-4PM

Wright Kingdom/Debbie Halsey

303-588-2128

Sunday

$625,000

Lafayette

2214 Eagles Nest Drive

1PM-3PM

Wright Kingdom/Donna Jensen

720-564-6065

Sunday

$1,140,000

Lafayette

2078 Navajo Trail

1PM-4PM

Wright Kingdom/John Boteler

303-541-1944

Sunday

$1,145,000

Lafayette

1276 Hawk Ridge

11AM-2PM

Wright Kingdom/Mike Moger

303-541-1920