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HOME September 4, 2010

Help your home sell fast

Colorful CUseacansnvtoacreate s unique decor

Popping Up

Sunshine Sunflowers bring smiles to faces

& Real Estate Weekly

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Times-Call / Home & Real Estate Weekly

September 4, 2010

Skipping out on mortgage debt can be risky

By Michele Lerner bankrate.com

Some homeowners underwater on their home loan – meaning they owe more on the mortgage than the home’s current value – are turning to “strategic defaults” in which they simply walk away from mortgage debt.

But financial experts warn that the cost of skipping out on mortgage debt can be high.

The American Bankers Association recently warned homeowners about the consequences of strategic default, including the possibility of the bank obtaining a judgment to pursue the homeowner’s assets, such as bank accounts, cars and investments.

A foreclosure – regardless of whether it is because of a strategic default or other circumstances – also has a negative impact on a consumer’s credit score.

“A foreclosure is one of the stronger predictors of future credit risk,” says Craig Watts, public affairs director of FICO. Foreclosures remain on a credit report for seven years, with the impact gradually lessening throughout time.

“For someone who has a foreclosure on (his or) her credit report, (his or) her FICO

score can generally begin to recover after a couple of years, assuming the consumer stays current with (his or) her payments on all (his or) her other credit accounts,” Watts says.

He says the impact of a foreclosure on a credit score depends on other factors in the borrower’s credit history. The ABA says a foreclosure drops a FICO score by 100 to 400 points.

In addition, a voluntary foreclosure can impact a homeowner’s ability to qualify for a new mortgage for years to come.

Peter Fredman, a Berkeley, Calif., consumer attorney, says Fannie Mae and Freddie Mac will not approve a mortgage within four years after foreclosure, while the ABA says it can take three to seven years to qualify for a new mortgage.

In addition, mortgage giant Fannie Mae recently announced a tough new sanction on people who deliberately default on their mortgages. Such borrowers will be ineligible for a new Fannie-backed mortgage for seven years after the date of foreclosure.

Tax liability is another potential danger of defaulting. Although the Mortgage Forgiveness Debt Relief Act of 2007 offers widespread protection from federal taxes following a foreclosure, state taxes still may be due on unpaid debt.

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recourse” states: Alaska, Arizona, California, Iowa, Minnesota, Montana, North Carolina, North Dakota, Oregon, Washington and Wisconsin.

“In California, we have some of the best anti-deficiency rules around, so banks can foreclose on the home but cannot get any other judgment to claim additional assets,” Fredman says.

In some areas, lenders are so overwhelmed with defaulting customers that homeowners can live in their homes for free for months or even a year or more before the foreclosure is complete.

The average length of time from default to eviction is 400 days in California, Fredman says.

Fredman – who developed the “Should I Pay or Should I Go” Web calculator to help consumers evaluate the wisdom of a strategic default – says homeowners considering a strategic default should research state regulations about loan defaults and tax laws.

Even non-recourse states have various laws that can impact defaulting borrowers, he says.

“I also think everyone should consult an attorney and probably an accountant, too, because the relative cost of these professionals is not nearly as high as the potential cost of making a mistake,” he says.

Bombshell photo lives up to its name

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A lender can also pursue the remaining debt from an unpaid loan by obtaining a deficiency judgment against the delinquent borrower, or may work with a collection agency to recoup losses.

And, of course, ethical questions surround strategic defaults. A survey by Trulia.com and RealtyTrac found that 59 percent of homeowners would not consider defaulting no matter how much their mortgage was underwater, although another 41 percent of homeowners said they would consider a default.

Despite the potential negative consequences of a strategic default, the move is less risky in some states than others.

“The first question for anyone considering a strategic default is whether the homeowners will be liable for the debt anyway,” Fredman says. “Each state has different rules.”

Non-recourse laws protect homeowners in some states. When a borrower defaults in one of these states, the lender can take the home through a foreclosure but has no right to any other borrower assets. Home equity loans are not eligible for this protection unless they were used as part of the home purchase.

According to research from the Federal Reserve Bank of Atlanta, 11 states are “non-

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Dear Helaine and Joe: My aunt worked for Coach Bobby Dodd of the Georgia Tech “Yellow Jackets.” Marilyn Monroe came to the university during his tenure and gave him an autographed picture of her wearing a Georgia Tech sweater. The signature reads “Best Wishes to Coach Dodd” and is signed “Marilyn Monroe.” Dodd gave the photo to my aunt. What is it worth?

Thank you. – V.C. Dear V.C.: It’s hard to believe that Marilyn Monroe has been dead for 48 years last month. She was a Hollywood film goddess, a symbol of all that is womanly and sexy.

In his own way, Coach Bobby Dodd was also a star. Dodd took over as head coach of the Georgia Tech football team in 1944 and remained in that position until 1966, with a record of 165-64-8 – and a national football championship (1952).

When presented with a signed Marilyn Monroe photograph, there is always a question about whether she herself signed it. In most instances, genuine signatures

were signed in red – but there are exceptions, and we believe this is one of those.

There is little doubt in our minds that this photograph was actually signed by Monroe and personally presented to Coach Dodd as the provenance details. It is a wonderful photo of her and we feel it has a minimum insurance value of $7,000 to $10,000, but that price could go much higher because of its football associations.

Helaine Fendelman and Joe Rosson are the authors of “Price It Yourself” (HarperResource, $19.95).

Contact them at Treasures in Your Attic, P.O. Box 18350, Knoxville, TN 37928. E-mail them at trea sures@knology.net.

September 4, 2010

Times-Call / Home & Real Estate Weekly

Sunflowers at a Glance Harvest • They’re good to go in 90 to 120 days after planting.

• To keep birds away, drape the flower head with cheesecloth when the yellow petals turn brown. As the seeds mature, place a large bag (brown paper, mesh or burlap – not plastic) over the head and tie loosely at the stem with string or twist ties, allowing for some air circulation.

• Check it periodically. The back of the head will turn yellow or brown.

When the seeds are black and white striped, they’re ready.

• Cut the stem about a foot below the head and hang it upside down – still in the bag – in a dry ventilated place such as a garage or tool shed. It will dry completely in about two weeks. Shake the head to free seeds into the bag, then rub the head gently to remove the remainder. Store seeds for up to a year in sealed containers or freeze after shelling.

• If you leave the sunflower in the garden, birds will pick the head clean. But the seeds they drop will sprout next spring.

Providing Smiles Sunflowers’ popularity as a garden flower is really up there

By Debbie Arrington Sacramento Bee

Sunflowers always bring out smiles. These ever-happy summer staples brighten the dog days of July and August. Their cheery yellow heads reach higher and higher – often topping 12 feet. Attracting bees, they provide food for birds, as well as tasty seeds for kids and grown-ups.

In recent years, sunflowers’ popularity as a garden flower has skyrocketed, too. “They rank No. 1 among all the flowers we sell, right up there with zinnias,” says Venelin Dimitrov, flower product manager for seed catalog giant Burpee, which carries 32 varieties and mixes.

Sunflowers – the type that produce massive heads full of seeds – are varieties of Helianthus annuus, a fast-growing annual member of the aster family. They often grow 10 to 12 feet tall with seed heads up to 2 feet across. They also re-seed easily.

Last summer, Elizabeth Pinkerton of Elk Grove, Calif., saw her Skyscraper sunflowers stretch to 12 feet tall. This summer, she didn’t plant sunflowers but she has them popping up again.

“I didn’t have the heart to cut them down,” she says.

Other ornamental sunflowers are grown for cut flowers, which can last 10 days in the vase. In addition to the annual varieties, some sunflowers are perennials and sprout from tubers.

A few varieties grow under 2 feet tall, but most reach for the sky.

“That’s one reason they’ve become very popular – the competition,” sayes Dimitrov, noting that Burpee’s best sellers are their giants mix, American Giant and Kong – all huge sunflowers.

“People want to see how high they can grow,” Dimitrov says.

“I’m shooting for 15 feet this year.”

And, yes, many sunflowers do follow the sun in the bud stage, with the young blooms turning east to west daily in a process called heliotropism. But once fully open, the flowers face east.

Growing wild in all 48 continental states, this great American flower has history around the globe. Native to Central America, sunflowers were cultivated as early as 3,000 B.C. in Mexico and parts of the Southwest. American Indians ground the seeds for meal and used other parts of the plant for purple dye.

In the 16th century A.D., Spanish explorers brought seeds back to Europe, where sunflowers became a popular ornamental and source of vegetable oil extracted from the seeds.

In the early 1800s, Russian farmers commercialized sunflowers into a major crop for the oil. Russia still ranks as the world’s top sunflower producer.

Kristi Ritter Summer Stair

Ornamental sunflowers offer a wide range of colors from seed.

(SHNS/Courtesy Maureen Gilmer)

Dimitrov, a native of Bulgaria, fell in love with sunflowers as a kid. “They’re very popular as a field crop (in Bulgaria),” he says.

“I had a childhood fascination with them. Sunflowers stimulate a child’s imagination. When a child – anywhere – draws a picture of the sun, they draw the rays like the petals of a sunflower. It’s amazing.”

In the late 19th century, immigrants brought their Mammoth Russian sunflowers to the United States. At first, sunflower seeds were used primarily as poultry feed. But by the 1950s, they also caught on as a snack food. In the 1970s, the demand for cholesterol-free sunflower oil spiked demand worldwide and sunflowers became a major American crop.

Bees like them, too. This summer, more than 90,000 gardeners are taking part in the Great Sunflower Project, a nationwide effort to study bee behavior. Launched two years ago by San Francisco State University biology professor Gretchen LeBuhn, the project uses Lemon Queen sunflowers (they have multiple blooms) to attract bees, whose comings and goings are logged.

More varieties are on the horizon as hybridizers strive to create a pure-white sunflower. But no matter the color, they’re fun to grow.

Roasting Seeds • To soften the shells, soak the seeds in water overnight. Drain and let them dry. Preheat oven to 300 degrees.

• Spread the seeds in a single layer on a cookie sheet or in a shallow pan.

Sprinkle with salt or other spice such as chili powder or garlic powder, if desired.

• Bake for 25 to 30 minutes, checking every 10 minutes so they don’t burn.

Let cool 15 minutes. One cup (with hulls) contains about 260 calories.

Sunflower Sprouts • Sunflower sprouts are gaining popularity as a healthy food; the seeds are almost 25 percent protein and high in vitamins A, B complex, D and E and such minerals as calcium, copper, iron, magnesium, potassium, phosphorus and zinc.

• To sprout, use fresh, unroasted seed. Remove shells. Place seeds between two damp (not wet) paper towels and place in a warm place (such as on the kitchen counter). They’ll sprout in about two days.

Specialty Publications Editor

News and Press Releases

Advertising

kkritter@times-call.com, 303-684-5275

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.

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

On the Cover Sunflowers are a bright and cheery flower to any garden. See story above. (Thinkstock)

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Times-Call / Home & Real Estate Weekly

September 4, 2010

Creating Colorful

Canvas with Cans

By Sean Conway Tribune Media Services

One of the greatest pleasures of hosting a television show like “Cultivating Life” is the opportunity to learn about a variety of subjects from talented guests. In particular, I’ve been amazed to learn about so many simple yet clever building and craft projects. These are fun and can satisfy anyone’s creative urges, but they often also create stunning objects.

Recently, I learned a painting technique called canning. It’s a simple and fun way to make stripes and plaids on fabric using textile pigments. Artist Deborah Baronas showed me how it works, using various sized metal cans and PVC tubing. I was surprised at how simple the process is and yet how beautiful the end result turned out to be. It’s a perfect way to refurbish old canvas chairs and lounges, or simply to make beautiful hand-painted fabric for pillows or tablecloths.

Deborah brought along a pair of old sling chairs in need of new canvas. It’s easy to find chair similar frames at thrift stores and yard sales. And canvas is easy to find at any craft Ordinary cans or PVC tubes are filled with pigment and drug across fabric to create colorful striped and plaid patterns. (Tribune Media Services)

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or fabric store. Heavy, tightly woven fabric is ideal for canning, as the fabric won’t move as you pass the cans across it.

For best results you’ll need a flat work surface. A large piece of Homasote covered with felt works well, as does Masonite. Materials you will need include: canvas; textile pigments and extender; a collection of different size cans or PVC tubing (the diameter of can or tube becomes the width of the stripe you paint); masking tape; containers for color mixing; T pins or staples; cardboard; and fabric chalk. Tools you’ll need include scissors, a staple gun, a long straight edge, brushes for touch up and a sewing machine.

Cut the fabric slightly larger than size of chair cover (or desired fabric piece). Iron it flat, and then pin, staple or tape it to the board. Tape over all edges, attaching large pieces of craft paper to the ends of the canvas.

Cut both ends off cans and trim any sharp pieces (or sand ends of cut PVC tubing). Then cut pieces of cardboard slightly larger than your cans’ and tubes’ diameters.

Old sling chairs can get a new lease on life with new canvas. The canvas Mix the textile in these chairs was painted using the colors. If you like, simple craft technique known as find reference macanning. (Tribune Media Services) terial for desired color combinations. Print small samples of color combinations before printing final project.

Place the can on craft paper at the end of the fabric and fill with textile pigment (keep cans as full as possible). Move the can across the length of the canvas all the way to the other end. Apply steady, even, medium pressure. Do not pick up the can or stop moving it. You can make straight stripes or wiggles or plaids; experiment with drawing with the can. If you wish, draw guidelines on fabric with fabric chalk.

Slide the can off surface onto a cardboard square and drain excess pigment back into its container. When finished, let dry overnight and then iron (no steam) to set the textile pigments. Hem or finish the fabric as needed.

Once you realize how much fun it is to do, you will want to start another project as soon as the paint dries.

The Building Blocks of the Garden OK, you need to be on a familiar basis with hammers and nails for most of the ideas in “The Vegetable Gardener’s Book of Building Projects” (Storey, $18.95). This DIY compendium delivers great step-by-step instructions and graphics, from the simple (a T-Pea Tower for climbing plants) to the advanced (the lovely Welcoming Arbor). Don’t let the title fool you: Projects include outdoor furniture, compost bins and birdhouses – and the pansies will look just as nice as carrots in the Square Planter.

– Renee Enna, Chicago Tribune

September 4, 2010

Times-Call / Home & Real Estate Weekly

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Think wise about where investment money goes

Ilyce Glink Tribune Media Services

Q: A number of years ago, I took out a $124,000 15-year mortgage at 6.05 percent. I have just $37,000 left to pay on the mortgage.

Would it be wise to make a lump sum payment of $10,000 on the principle to save on the interest? I know that every dollar I prepay on my mortgage earns the net interest rate of the mortgage.

It’s just that I can’t make 6 percent on a safe investment anywhere, including CDs, MMAs, etc.

A: Making a prepayment of $10,000 will certainly cut down the time you have left on the loan. Even if it saves you a year of payments it may be a wise investment for you.

Just don’t use up all of your available cash. In other words, if all the cash you have in the world is that $10,000, I wouldn’t want to see you use up your liquid reserves in order to “earn” 6 percent on your money.

You might want to use that cash for something else, or you might need it if something unexpected happens.

If you have plenty of other liquid cash reserves, and you can afford to put out this cash, then by all means go ahead. Once the loan is paid off, you’ll quickly be able to accumulate additional cash assets.

39-154468

Q: I have never asked questions of someone I do not know over the Internet, but I do need to do something. I am just plain scared.

I inherited this old house that my family bought in 1944. I ended up taking a mortgage out on the property. Then I did some work on the house with some of the cash in the cash-out refinance, but not enough to make the house perfect or valuable enough.

I have had nerve damage to my legs since 1999. Because I wasn’t working, I started living off of the cash I took when I mortgaged the property.

I get $650 in disability checks each month and some Social Security. I am 61, never married and owe $145,000 on a home that has gone down in value from $288,000 last year to $275,000 this year, and I was told I’d be lucky to get $250,000 out of it. That possibly would leave me $80,000 to $100,000.

I now owe my lender about $154,000. I am in arrears with the mortgage because of going through a loan modification. My lender wants $1,600 per month, but I can only pay $948, and I have had to take in boarders.

I’m not sure what to do next. I’m not interested in a reverse mortgage, and I’m told if I sell the house, then I’ll have to use the cash for Medicaid reimbursements.

Someone from legal aid told me if I sold the house and collected the money, I’d have to spend it all right away.

The lawyer I spoke to told me he thinks I have been used. He said we should go to court, and he had me sign a paper that charges me $129 per hour. If we win, the money will come out of what I get. If I lose, then the rest of what I owe him will go against the loan.

I am tired and exhausted, and the housing market is so bad. The mortgage company has put me through hell. I feel sick every day.

What should I do?

A: It sounds as though you are between a rock and a hard place. You own this property, but you can’t afford your mortgage. You’re living on disability, but you don’t get enough to get you out of trouble.

Here’s what I know from your e-mail: You no longer can climb stairs. You don’t want a reverse mortgage. You don’t want to stay in the property. If you sell the house, you’ll be ineligible for your disability payment (according to legal aid). You feel you were cajoled into signing a paper that provides for legal representation at $129 per hour.

I don’t know if you’re lucky or unlucky, but you should try to find someone else who can help you figure out what kind of money you would get out of your property and whether that would be enough for you to live on if you lose your disability.

Let me put it this way: You’re only getting $650 per month in disability. I

don’t know what other income you’re getting, but if you sell the house and clear $100,000, you might be able to put the money in a safe investment that would allow you to draw down some of the money, giving you more monthly income than you have now. Plus, you would no longer have to pay the monthly mortgage or taxes. You would have to pay rent somewhere, but you might be able to find a place that suits you and your medical condition, and costs a lot less.

Can you live with a family member? Maybe that’s the best option for a while. You could contribute to their household but not have to worry about taking care of a house.

Find a good real estate agent and talk to him or her about listing your property. Also, get a second opinion from someone else about your situation. Talk to a different attorney in your area who is knowledgeable about elder care issues and real estate; it might be useful to get that person’s opinion of your situation.

Taking the first step is the hardest, but if you figure out your plan, you’ll get through it.

Good luck.

Ilyce R. Glink’s latest book is “Buy, Close, Move In!” If you have questions, you can call her radio show at 800-972-8255 any Sunday, from 11 a.m. to 1 p.m. EST. Contact Ilyce through her website at www.thinkglink.com.

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Times-Call / Home & Real Estate Weekly

September 4, 2010

Help sell your home fast Article Resource Association

You may have noticed an increase in the number of “for sale” signs around your neighborhood, and for good reason: Studies show that home listings increase this time of year, as homeowners want to get their families settled before the next school year begins. If you are thinking of selling your home in today’s tough market, the experts recommend completing a few projects that will help your home look its best and stand out from the crowd.

According to Lou Manfredini, Ace Hardware’s home expert, these projects don’t have to cost a lot of money or take a lot of time.

Improve Curb Appeal Curb appeal is, quite simply, what prospective buyers first see when their car pulls up to your house. According to the National Association of Realtors, half of all buying decisions are based on curb appeal.

“Your mother’s advice holds true here – nothing is more important than a good first impression,” Manfredini says. “Strong curb appeal will help set a positive tone for the rest of the house.”

Walk out to your sidewalk and take a look at the front of your house, checking

for anything that needs to be cared for. A good first step is to update exterior hardware, including house numbers, which become dirty and dated throughout time.

Another quick project is to replace your mailbox. Choose one with a more modern, sleek design such as the Postmaster Amboy Mailbox in black, which looks great on any house and is easy to install. This updated fixture, although small, can do wonders for the overall curb appeal of your home.

Create a Luscious Lawn Green, lush lawns always receive a lot of attention. Help your lawn reach its full potential by providing it with the proper fertilizer and grass seed. “My best lawn care advice is to use Scott’s Super Turf Builder with Summerguard,” Manfredini says. “Beyond helping your lawn grow, this product absorbs water so you don’t need to water as often. As an added bonus, it also helps to control pesky insects.”

Spruce up with Paint Now that the exterior of your home is looking great, spend some time on your interior. “Interior painting is one of the most inexpensive and simple projects that homeowners can do,” Manfredini says. “And, it

makes a huge difference.”

Choosing neutral paint colors over bold ones won’t distract prospective buyers and will help them visualize making the space their own. Equally important to the color is the type of paint you select. Ace Paint recently launched a new paint called Royal Finest, which is the first paint to combine ultimate stain resistance and environmental friendliness.

Groom your Garden Nothing compliments a great lawn more than a well-manicured garden. After the cold winter months, gardens and flowerbeds can be left looking unruly.

Prospective buyers are searching for outdoor spaces where they can enjoy spending time, so it’s important that you tidy up these areas.

An easy way to do this is by spreading new mulch. Traditional mulch is a great option, but if you are looking for something that will last, consider Rubberific Rubber Mulch, which will last for 10 years.

“Homeowners should also trim and prune shrubs and trees to create a refined look,” Manfredini says. “A ‘jungle theme’ makes your house look unkempt.” This project is made simple with Black & Decker’s easy-to-use Electric Hedge Trimmer.

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Running, leaping, swerving and lawn rejuvenation is a strong fall diving is perfect for a relaxing affeeding during September with a ternoon in the Colturf-builder fertilizer orado sunshine. Sandthat has both quick and lots and dirt yards are slow release nutrients. fine for pickup games All-purpose mixes have and goofing off. But if 16 nutrients needed by you’re going to pirouturf to be healthy – a ette before mashing balanced fertilizer goes your face into the beyond offering nitroground, what you love gen, phosphate and is nice, cushy turf potassium oxide (the grass.

N-P-K numbers).

Carol O’Meara Fall is the time for Apply chelated iron Colorado State to lawns that are slightfootball and renovating University Extension ly yellow from iron your yard, when temperatures cool and chlorosis. But be aware, grass gets a chance to plug in holes not all chelation formulas work in left by high summer heat. Now that our alkaline soils, so look for ethythe season wanes, get out and get lene diamine dihdroxyphenyl acyour grass into gridiron shape. etate (EDDHA). The more comTemperatures in the lower 70s monly, and cheaply, available EDTA are ideal for cool-season grass re(ethylene diamine tetraacetate) is growth, allowing thin spots to fill only active in pH-neutral soils. in and crowns to send up new Nitrogen, the most important shoots. Many lawns that browned nutrient for turf in fall, depends on under dry summer conditions may temperature and moisture for restart to fill in again. A bit of water lease into the soil. When we have helps them recover, and areas warm days plus a few rain showers, stressed from Ascochyta or poor irlawns get a quick boost of food, rigation will make a comeback. and under ideal conditions, turf – But the most important aspect to an active scavenger of nitrogen –

will take up the nitrogen within hours of it being put down.

This is perfect for lawns toward the end of September, because the quickly available fertilizer will increase turf vigor, and the slow release will continue encouraging turf rebuilding well into fall.

Thin areas where the grass has died off completely can be overseeded now. To get the best results from over-seeding, water the lawn 24 hours before aerating. Pass the aerator over the turf in two to three directions to open up many holes.

Immediately over-seed with the grass of your choice, but in general, tall fescues do not blend well with bluegrass, perennial rye or fine fescue because of its wide grass blades.

Grass seed takes a while to germinate, so keep humidity on the lawn for 14 to 21 days.

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 e-mailing comeara@co.boulder.co.us. For more gardening tips, check out her blog at gardeningafterfive.wordpress.com.

September 4, 2010

Get your kitchen ready for use Article Resource Association

While porches, patios and decks are the official “heart center” of most homes during the warm weather months, especially at mealtime, the kitchen is a place of congregating in the colder season.

So why not take advantage of the time between seasons to turn the kitchen space into something more modern and family friendly before the cold winter months return?

Because it plays such a prominent role in any home, an outdated kitchen can lessen the impact of the well-thought-out style you’ve worked hard to infuse into the rooms that surround it. Sure, it might be a functional cooking workspace, but it’s also the one room where people tend to gravitate. Why not make it a place where you can work sensibly and have family and friends gather comfortably to share a meal or lively game night?

Taking a tired kitchen from drab to fab is an easy goal to achieve on any budget.

All you need is a little paint, a few decorating elements and some creativity.

First, think color. Chances are you haven’t changed the palette in that room in years, and with paint, it’s the quickest, easiest and most cost-effective change you can make. In high-traffic rooms where food is stored, prepared and served, most design experts recommend using a semi-gloss paint finish for easy clean-up and maintenance. Because of its shiny finish, it also tends to brighten a room because it reflects more light than other finishes.

What’s more, you now can find a highquality semi-gloss finish in zero-VOC paints, such as Dutch Boy’s odor-eliminat-

Ceiling fans keep air moving

By Bill Ward Star Tribune

Q: My wife and I disagree about the use of a ceiling fan in the summer. She wants to keep it off except when I’m in the room. I maintain that it circulates air beyond just the room they’re in and can be left on. Who’s right?

A: It depends. A large ceiling fan can circulate air over a fairly wide area; a smaller fan, not so much. But even a huge, powerful ceiling fan won’t move a lot of air to another room.

ing Refresh paint with exclusive Arm & Hammer technology that reduces household odors – another great feature for busy kitchens.

“Because it delivers exceptional lowodor application, durability and washability, Refresh semi-gloss sheen is a smart choice for any room of the house,” says Mary Ward, Dutch Boy Paints senior product manager. “Add its odor-reducing technology, and it’s really the ideal coating solution for kitchens where pungent food odors can linger in the air.”

When deciding what colors to include in your updated space, think appetizing.

Color experts and Feng Shui practitioners caution against using blue, saying it’s an unnatural color for food and also an appetite suppressant. Soothing greens are said to aid in digestion. Golds boost vibrancy in poorly lit rooms. Earth tones provide a formal, yet calming, feel to a room. Reds and oranges have long been associated with stimulating appetite.

When repainting your kitchen, don’t forget to think beyond walls and trim. You can also update aging chairs, the table and even old cabinets with fresh new paint col-

Simplify your

HOME 36-153655

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ors. Add in some new fabric for chair cushions, and you’ve easily transformed stale, old furniture without much expense.

If you’re looking to upgrade to new furniture, remember that a round kitchen table instead of a traditional, long rectangular one also can add new intimacy, making this favorite gathering space even more inviting. To further update the room, ditch the 1970s lighting and go for something more modern and fun, such as decorative, funky glass pendant lights. Another new trend to try is on the opposite end of the decorating spectrum – 1950s retro-inspired fixtures. Whatever you choose, don’t forget to also install some functional, yet attractive, task lighting for the work areas.

Overall, think “mix and match” to add a little more casual feel to the space. Instead of a dated oilcloth tablecloth, cover your tabletop with funky, unexpected placemats to offer a more contemporary edge. An inexpensive patterned rug hides scuffs and wear and instantly brightens the space.

Break the rules and have fun in decorating.

Anything that keeps air moving, balances the temperature in that particular space, according to the Environmental Protection Agency’s Energy Star website. But fans do not cool a room; they cool the people in a room.

“Keeping the air moving will help balance temperatures and spread out humidity in the house,” says Chris Drake, owner of Great Fans and Blinds in St. Paul, Minn. “But a ceiling fan does not change the temperature in a room. It doesn’t do anything with the air but distribute it.”

There is one good reason to leave the fan on, at least in summer. According to the Energy Star website, “dialing up the thermostat by only 2 degrees and using your ceiling fan can lower air-conditioning costs by up to 14 percent over the course of the cooling season.”

That saving dwarfs the cost of running the ceiling fan, says Xcel Energy’s Erin Mathe.

“Ceiling fans use no more electricity than light bulbs,” she says. “A 75watt fan used 10 hours a day at half speed or less would cost 50 to 90 cents a month to operate.”

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

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

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

7

Times-Call / Home & Real Estate Weekly

Real Estate Transactions are supplied by Prospects Unlimited Inc., www.prospectsunlimited.com.

Foreclosures – notice of election and demand • Borrower: Jennie Coffey, Lender: BAC Home Loans Servicing LP, Amount: $116,016, Property: 213 Sherman St, Longmont, Filed: 06/30/10

September 4, 2010

• Borrower: Michael & Lynn Matthews, Lender: BAC Home Loans Servicing LP, Amount: $140,200, Property: 10448 Lower Ridge Rd, Longmont, Filed: 06/25/10 • Borrower: Linda Hardman, Lender: BAC Home Loans Servicing LP, Amount: $298,200, Property: 9262 Apache Rd, Longmont, Filed: 06/28/10

• Borrower: Norma Skaggs, Lender: Financial Freedom Acquisition LLC, Amount: $163,412, Property: 3024 Depo Dr, Longmont, Filed: 08/11/10 • Borrower: Mary Gutierrez, Lender: Bank Of America National Association, Amount: $288,808, Property: 750 Fordham St, Longmont, Filed: 08/11/10 • Borrower: Ronald & Kimber-

ly Diener, Lender: Aurora Loan Services LLC, Amount: $191,079, Property: 1645 Deerwood Dr, Longmont, Filed: 08/10/10 • Borrower: Michelle & Stephen Jeffres, Lender: EMC Mortgage Corporation, Amount: $432,084, Property: 9703 County Road 13, Longmont, Filed: 08/11/10 • Borrower: Cheryl Zaruba,

Lender: US Bank National Association, Amount: $397,362, Property: 468 Greenwood Ln, Longmont, Filed: 08/18/10 • Borrower: Sean & Teresa Boroviak, Lender: Wells Fargo Bank NA, Amount: $304,226, Property: 6561 Saint Vrain Rd, Longmont, Filed: 08/18/10

ath s Re qui red Allo wS mo kin g?

Pet s Wa she r/D r ye r Fa Wa cili she ties r/D rye rH ook Oth -up er Am s eni ties

Lea se

fB

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fB #o

Dep

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ang eR

APT/CONDO DIRECTORY

s

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36-146523

Pric

8

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

$885$890

$835$840

1

1

Yes

No

Yes

Yes

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

Victoria Inn 2400 17th Ave. • 303-772-4667

$725$875

$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.

Ute Creek Apartments 1100 E 17th Ave. • 303-684-6821

Starting at $799

$125

1, 2

1, 2

Yes

Yes

Full SIze in each apartment

Yes

Move-In Specials, senior and other discounts. Fireplace, pool & spa, 24-hour fitness, garages. Close to shopping.

The Shores 2450 Airport Rd. • 303-774-8000

*$705$1200

$100 $200 $300

1,2,& 3 Studios

1, 2

Yes (Short Term Avail.)

Yes

Yes

Yes

Yes

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

Cloverbasin Village 630 Peck Dr. • 888-837-4912

$690$1100

$149

3-bdrm. townhomes

2

Yes

Yes

(65 lbs limit)

No

(& rental available)

Elliott Apartments 418 Emery St. Longmont, CO 80501 303-772-6452 Fox Ridge Apartments 3800 Pike Rd., Longmont, CO 80503 303-774-9944

$580$945

Yes

1, 2, 3

1, 2

Yes

Yes

Pets Neg.

Yes

$789$1239

$200

1, 2, 3

1, 2

(Short Term Avail.)

Yes

Yes

Yes

Yes

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

Utility Room w/ Full size W/D in each condo

W/D provided in ea.

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!

Tanglewood Condominiums Senior Community 100 21st Ave., Longmont, CO 80501 303-774-0300

$1235$1625

Yes

1,2,3

$1235$1625

1, 2

1, 2

Yes

Yes

Yes

Yes Some $50+ mo.

Yes

Convenient location, pet friendly, garages available, 24-hour maintenance In historic Longmont, large trees, quiet neighborhood on-site parking & storage. Close to RTD. Heat included.

Reach over 44,000 readers each week with your ad in the Times-Call Apartment/Condo Directory. Call Lisa or Sue in Classifieds today at 303-776-7440

September 4, 2010

Times-Call / Home & Real Estate Weekly

9

To place an ad, call 303-776-7440 or go to www.TimesCall.com/classifieds and place your ad any time of the day or night. Fax: 303-772-8339…email: classifieds@times-call.com Duplexes Apartments/ Apartments/ Apartments/ Commercial/ Condos/ Unfurnished 4030 Unfurnished 4030 Unfurnished 4030 Industrial 4040 Townhouses 4050

♣

4170

Farmers/Ranchers, Colo Caregivers Wanted Legal MMJ Caregiver Services needs to lease your old outbuildings. Top dollar leases per square foot paid.

• Legal Services • Patients • Technical Support • Plants & Equipment • Modular units also avail.

Confidentiality, safety & security. Call the Law Office of Stephanie Nelson 303-440-4420 Very quiet, sm house cntry/Carter Lk for 1 person. N/S/D/P. 720-308-7902

Apartments/ Furnished 4010 ● 1 BDRM $865 includes: TV, DSL, utils. Short term N. area. N/S/P 303-570-0402 NO lease, dep or credit chk Wkly/mnthly • 303-776-2185 • ALSO RV SITES AVAIL!

Apartments/ Unfurnished 4030 ✭✭✭✭✭✭✭✭✭✭✭✭✭ 1, 2 & 3 BDRM Apartment Homes The Shores Apartments, Hwy 66 & Airport Rd (303)774-8000 ✭✭✭✭✭✭✭✭✭✭✭

•1 & 2 BDRM ✭ $550-$675 FREE Heat 1060 17th Ave, Habla Espanol 720-327-8918

2 BEDROOM, 2 BATH

1 BDRM APT´s-

Starting at $525, some with Move-in Specials!

Call PMP, 303-776-RENT

AS LOW AS $765! ♣

•1809 EMERY ST2 bdrm in 4-Plex, off st pkng, W/D, pet nego. Avail now, $650. (303)447-8988

1st FLOOR 2 BDRM APT Quiet area, lndry, nr 23rd & Main. Sorry no pets, $645 Top Realty, (303)931-6423

EASTGLEN APTS 630 Lashley, Longmont

1 BEDROOM, 1 BATH

AS LOW AS $665 ♣

● 1-2 BDRM- remod, N/S ● A/C, lndry, off st pkng ● $625 - $775, 303-444-0501

1 BDRM COTTAGE, 222 So Main St, cute! Refs, lease.

No pets. Storage. $460/mo (303)507-3457

3 BEDROOM, 2 BATH

Starting @ $799! ♣

LE DEAUVILLE APARTMENTS

3 BEDROOM TOWNHOUSES

ROOMY & READY

Starting at $950!

1 Bd From $575 2 Beds From $610 Great Location Large Units Park Like Setting Ample Parking A/C & Pool

QUAIL VILLAGE 303-485-0065 321 Quail Roadacross from Longmont Rec Center ● 2 BEDROOM, 2 BATH

AS LOW AS $699 ● 3 BEDROOM, 2 BATH

Starting at $750! *LIMITED NUMBER AVAILABLE*

**Income Guidelines May Apply** ✓ Full Size Washer & Dryer Hookups ✓ Close to Bus lines ✓ Pets Welcome

303.772.3737

2 BD, 1.5 bath, off st pkng behind, 2137 Dexter, $685 2 BD, 1 bath, carport, 1611 Warren, $695 2 BD, 1 ba, gar, 800SF, 2330 Wedgewd #2D, $650 Alert Realty 303-776-5156

2 BDRM, 1 BA, $625+dep.

No smk/pets. Southmoor Park 720-261-6449 2 Bdrm, 1 ba, large, comp. remodel-all new, WD, A/C, patio, N/P/S 2041 Meadow Dr. $835 303-443-4308

(303)682-2943 1, 2 & 3 BEDROOMS: Pool, air, laundry ✭Wtr, trash, sewer pd Great Value! 2 bdrm, 1 ba, W/D hkp, deck, off st pkng. $595 Avl now. 970-310-6321

Horizon Place

1 Bedroom- $545!

2 Bedroom- $645!

Secure bldg, swimming pool, A/C, on-site laundry.

Call PMP, 303-776-RENT

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

2 BDRM APT´s-

Starting at $645, some with Move-in Specials!

Call PMP, 303-776-RENT

VALUE PLACE FIRESTONE New Extented Stay Hotel ● $179 * WEEKLY

APARTMENTS • FREE Washer/Dryer e Home!

Welcom & Carport • Wood-burning fireplace • Large balconies/patios • Approved pets accepted • MTM leases available • Within walking distance of shopping, restaurants & RTD • On line leasing available • One bdr, 1 bath starting at $725 • Two bdr, 2 bath starting at $875

✓ Perfect for visiting friends & family!

I-25 & Hwy 119, Longmont exit 240.

303-485-0040

2400 17th Avenue, Longmont, Colorado 80503

303-772-4667

*www.victoriainnapts.com

3000 & 1500 SQ FT936 MAIN ST Good visibility 303-885-7617

NIWOT/BOULDER CONDO/HOUSES 1, 2 & 3 Bdrm Beauties!

• 7945 N. Foothills Hwy • 3250 O´Neal Circle Call PMP, 303-776-RENT

0 App Fee-$100 off 1st 2 mos Lg 3 bdrm, 2 ba, gar, water pd. No dogs. 303-682-2525 2020 YEAGER DR- 858 SF, 3 bdrm, 1 ba, fncd yd. No pets. $775+dep. 303-774-8239

Condos/ Townhouses 4050

2 BDRM, Berthoud. Large liv rm, laundry rm, near QUIET 2 bdrm, 1.5 bath, school, cov pkng, yd, huge complete kitch, W/D hkup, storage. $685. 303-684-6554 priv patio, storage, car816 LINCOLN Lgmt3 bdrm/2.5 ba, 2 car, pool, port. N/S, N/P 333 23rd. water & sewer paid, W/D $725 + $600/dep. Avail now. 2 bdrm, 1 ba, newly remod; (303)772-3152 / (303)532-6522 windows, refin hdwd flrs, hookups, small pet neg. paint. Lg backyd, pets $1300/mo. 307-630-5019 Spacious 3 bdrm, 1.5 ba, S. nego, $850+. (303)442-6569 Lgmt, W/D, DW, fridge, Check out the pet columns in new crpt/flr $1100/mo inc trash/snow/lawn/prkg. classifieds for that special 1 yr lease, N/P. 303-665-7549

companion you’re looking for.

SELF-SERVE CLASSIFIEDS ON YOUR SCHEDULE!

Bring ad to qualify. *Expires 9/15/2010

40-153858

Wanted To Rent

630 Peck DriveLongmont West on Nelson/Airport Rd

36-153656

Rentals

CLOVERBASIN VILLAGE 1-888-837-4912

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

4060

Log on to www.timescall.com Click on “Submit An Ad“

Times-Call / Home & Real Estate Weekly

Duplexes

4060 Houses

4080 Houses

ALL UTILITIES PAID Cozy 2 bdrm, 1 bath, W/D, carport. $750/mo + dep, utils inc. credit check, Avail now. 303-709-3694

DUPLEXES 2 & 3 Bedrooms • 2446 Meadow #B • 1602 Donovan • 808 Apple Ct • 1775 Antero Call PMP, 303-776-RENT

Garages/Storage Spaces 4070 CLEAN, secure, 10x20´ dry storage close to HWY 287 $100. Stella 303-775-2881.

INSIDE STORAGE BLDG, 6000 SF & up w/ 14´ overhead door, starting at $900/ mo, elect inc. Off Ken Pratt & CR 1. (303)472-4542 Storage-RV´s,Trailers, Boats, Trucks & ?

126 S. Main, 303-884-9111.

September 4, 2010

EQUAL HOUSING OPPORTUNITY All real estate advertised in this paper is subject to the federal and state Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation, or discrimination.”

The newspaper will not knowingly accept any advertising for real estate which is in violation of the law.

All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.

4080 Houses

4080 Mobile Homes/ Rooms Spaces 4090 For Rent

Longmont 4130

2900 S.F. 5 BDRM, 4 BA Clean 5 bdrm Bi-level, 2 ba, Fin bsmt, 3 car gar, great 2 car, Section 8 approved.

3 BDRM, 1 BA, new carpet, Basement avail. with neighborhood. Call Bob at $1350/mo. (303)548-1091 W/D, carport, Longmont private bath, access to 303-834-9850. adult park 55+, 970-215-1819 laundry and kitchen. No dogs, NS, avail Sept 1st.

2 Bdrm, 1 ba, NW loc, fncd $600/mo util inc + deposit Berthoud Patio Home yd, 1 car. N/S, N/P, $950 + Call 303-485-9730 2 Bdrm, 2-1/2 Bath, dep, refs req. 303-776-5893 full bsmt, 2 car gar. No SEMI-FURN Rooms/Apts Pets. $995 mo. 303-776-6660 Wkly/mnthly from $100/wk 3 BDRM, 1.75 bath ranch, Utils/micro/fridge inc 2 car, bsmt, patio, quiet.

(303)931-7108 NS/NP $1250. 303-718-8176 $250/MONTHGreat parking, quiet.

FREDERICK, Ground level. Four Seasons 3 BDRM, 2.5 BA- NW Lgmt, FIRESTONE & Realty, (303)875-1345 master suite, patio, gar, DACONO No Smk. 2231 Daley Dr. • 445 6th $1290. (303)449-0105 Call TODAY! 773 SQ FT- busy shopping PMP, 303-776-RENT 500 to 2500 SF, can divide. center, 1116 Francis St, On site prkg, Good traffic $825. Alert RE (303)776-5156 3 BDRM, 2 ba Gem in Old exposure. 303-523-3369 Town Longmont! 1700 SF, DW, W/D, pets nego. $1400.

(303)485-7177 OFFICE SPACE, 6 rooms HOUSES avail, $155-$325, great prkg, 3- 4- 5 Bedroom Homes 420 MARTIN ST- 4 bdrm, lg utils pd. Lgmt (970)231-7871 • 163 Grant• 1125 Tulip carport, new paint & carpet, very clean! Fncd yd. • 1247 Juniper• 1751 Atwood • 1327 S Sherman $1200. Sec 8 ok. 720-371-4624 • 2631 Stratford OFFICE SPACE For Rent • 3377 Larkspur Holistic wellness center.

Call PMP, 4 BDRM, 1.75 BA, fpl, A/C, (720)280-9047 303-776-RENT W/D hkup, Southmoor, lg fncd yd, N/P, $1350 + dep.

Avail 9/15. (303)746-6139 Professional/Business Ofc Francis & Mtn View Ave. 4 BDRM, 2 ba, 1 car, all HWY 66 / PLATTEVILLE 4 rooms & reception area.

Super!

2000 sf, 3 bd, 2 ba, HIGHLY VISIBLE applc, fncd yd, fin bsmt, nr FR w/fplc, ac, 2 car, shop.

820 SF, (303)776-3150 lake, $1375. 303-204-9673 N/S/P $1495, 303-857-8777

● 1341 GARDEN PL4 bdrm, 3 bath, fam room, lg fncd yard, frpl, swamp 4 Bdrm, 3 Ba 10 acres, Bldr cooler. $1400. Avail Now. Cty, all appl, fp, grt views, horse neg. $1790, 303-678-1991 Pennant Inv. 303-447-8988

1 Rent to Own 3 bdrm, 2.5 4 or 5 bdrms, SW Longmont ba, $1395/mo. 866-810-1446 664 Timothy $1795 & 1624 ext 1021, 24 hr free rec msg. Sumner $1695. 303-772-0442

5090 Lots & Tracts 5100

1109 Yeager Dr., 3 bdrm, 1 ba, ranch,N-central loc, new paint/crpt, $164,900.

Owner carry, $140K. 303-517-0061 No agents

Office Space 4100

Retail Space 4135

Real Estate

LAFAYETTE HOME Centrally located & walking distance to downtown. 104 Cleveland.

Call TODAY! PMP, 303-776-RENT

Income/ Investment 5070

PROFESSIONAL Offices N. Longmont. 150 to 825 SF. Single & 3 office suite.

All ground level, 2 entr, great prkg. 303-956-1141

Convenience!

Oil & Gas Opportunity 15% to 30% Annual Return Direct Participation/ Tax Benefits. Gary 970-927-2764 or 970-309-1535

2 ACRE LOT, Berthoud area, $40K price reduction, $125,000. Call Steve Conder for details, 303-514-3706.

2 ACRE LOTS WEST OF BERTHOUD. Great Views! $149,900. Fred @ Four Seasons Re, (720)494-2133.

3455 Larkspur Dr • $276,000 Open Sat 1-4pm New price + $1000 buyer´s choice closing credit! Clover Creek 4BR/3BA. Hdwd flrs, new carpet & int paint, appl inc. Comm pool/ parks/trails. Motivated seller. MLS# 634636 Sue Ellen Grimaud 303-746-7670

A picture is worth a thousand words Try a color classified picture ad!

Call for details.

303-776-7440

Heidi & Helena buy houses! $ SAVE YOUR CREDIT $ 303-725-8388 / 303-459-2711

✭Like New Home✭

Call for 3 page list of improvements! Located on Circle Dr in S. Longmont.

Fenced backyard. $194,950

3.4 ACRE Country lot, Mead, super view! Horses allowed, possible owner carry. $150,000. Dave Schwind, RE 303-709-7127

Mobile/ 5130 Manufactured Homes/Spaces ✭ MOBILE HOMES ✭ BUYING/SELLING Local park needs used mob homes. We´re buying! Big Sale! Many single & dbl wides. Fin avl, auto approval on owner fin homes.

Bad credit OK! Moves avl.

970-222-1473 ✭ 690-2725 or 690-3283 ✭

Longmont

5090

Need Some Work Done Around The House?

Find the help that you are looking for in the Business B usi ess & S Se ice Service DIRECTORY DIRECTOR C ORY

To advertise in the Business & Service Directory call

303-776-7440 HOMETOWNWEEKLY COLORADO

I can place my ad when I want to.

1725 FOSTER DR. Move right into this ranch home on terrific culdesac view lot! 3 BR, 2 BA, partially finished basement. A/C, Hardwood & nicely landscaped yard. $209,900

102 BOWEN ST. Huge, oversized lot! Fix it up and build instant sweat equity, perfect for the handyman. 3 bedrooms, 2 baths for just $148,500

26 15TH AVE. Discover home ownership in this affordable ranch style home on a spacious lot.

Perfect for those with some handyman skills. Great location near schools, parks & bus route. $134,900

www.TimesCall.com click on Submit an Ad

LONGMONT R6EALTY 303-772-7576 303 30 3 77 772 2 7576 303-776-7440

06470344 2x8c

36-154448

10

629 Terry St., Longmont

www.longmont-realty.com

September 4, 2010 Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive Ste. 467, Loveland, CO 80537.

Longmont • William & Angannette Arnold from Bank New York, 2466 Spencer St, Longmont, $132,100, home • Scott & Marsha Townsend from Marcus Beurskens, 2322 Eagleview Cir, Longmont, $387,000, home • Brigitta & Bruno Gisi from Christopher Cox, 9751 Majestic Rd, Longmont, $539,000, home • Austin & Tracy Candela from Fannie Mae, 1210 Autumn Ct, Longmont, $128,000, home • Trevor & Sherri Platt from Seth Holland, 2669 Elmer Linn Dr, Longmont, $330,000, home • Sandra Kolm from Hector Quiroz, 1428 Deerwood Dr, Longmont, $185,000, home • Shawn & Katherine Brennan from David Schreibeis, 2000 Emerald Dr, Longmont, $455,000, home • Loren Roper from Scott Townsend, 1328 Walden Ct, Longmont, $198,000, home • Discovery LLC from US Bank Trustee, 323 Baker St, Longmont, $73,000, home • Andrew & Mary Davis from Scott Construction Inc, 2125 Summerlin Dr, Longmont, $1,175,000, home • Mary Kelleher from Wells Fargo Bank, 2152 Grant St, Longmont, $165,000, home • Jonah & Laura Reeger from Robin Alchin, 238 Sweet Valley Ct, Longmont, $235,000, home • Habitat Vrain from Waldo Dagle, 180 Sunset St, Longmont, $87,000, home • Robin Alchin from Ronald Jung, 817 Nelson Park Dr, Longmont, $282,500, home • Ronald Jung from Kuo Hua Liu, 1919 Wasach Dr, Longmont, $472,000, home • Gary & Lynne Singer from Jason Looney, 640 Penhurst Cir, Longmont, $259,900, home • Gary & Yuko Kushner from Mark Martella, 665 Timothy Dr, Longmont, $240,000, home • Linda Frazier from Donna Martinez, 165 Baylor Dr, Longmont, $214,000, home • David & Kathleen Schreibeis from David Polakowski, 1749 Little Bear Dr, Longmont, $341,000, home • Julie Schroeder from Sidek Sirun, 1418 Whitehall Dr Unit 23b, Longmont, $210,000, condo Berthoud • Teresa Benson from William

Ryder, 4701 Karen Ct, Berthoud, $302,000, home • Susan Chesson from Bill Sullateskee, 4204 Meining Rd, Berthoud, $390,000, home Dacono • Tamrick Inc from Eagle Meadow LLC, 5039 Peregrine Rd, Dacono, $67,500, home • Matthew & Dana Lee from Richmond American Homes Colo Inc, 3181 Meadowbrook Pl, Dacono, $278,300, home Erie • Haile Negash from Kathy Conway, 414 Graham Cir, Erie, $305,000, home • Yueping Fu from Fed Home Loan Mtg Corp, 1465 Blue Sky Cir Unit 17-103, Erie, $81,500, condo • Karen Ehrhardtmartine from Ben Goldberg, 2646 Wisteria Dr, Erie, $277,000, home • Eric & Kenneth Booth from Taylor Morrison Colo Inc, 1125 Koss St, Erie, $272,000, home • Patrick & Erin Gallagher from Romi Tokuyama, 2058 Lodgepole Dr, Erie, $363,000, home • Casey Cass from Genaro Villareal, 1788 Southard St, Erie, $335,000, home • Dana Patten from Six Point Erie Village LLC, 1134 Village Cir, Erie, $227,000, home • Arno & Tanya Bergstrom from Trevor Fehseke, 2299 Linden Pl, Erie, $390,000, home • Christina Williams from WI Homes, 2467 Reserve St, Erie, $264,000, home • Stacie & Jeffrey Sta from Kelly Athey, 921 Pope Dr, Erie, $389,000, home • Stacey & John Farrar from Jon Hollon, 1973 Gordon Ct, Erie, $269,900, home • Randy & Kathy Ingalls from Six Point Erie Village LLC, 1140 Village Cir, Erie, $310,100, home Firestone • Steven & Tori West from Rolando Campos, 9980 Bluegrass St, Firestone, $355,000, home • Christopher & Elizabe Bond from Richmond American Homes Colo Inc, 5928 Oak Meadows Blvd, Firestone, $235,600, home • Kelly Rensink from Bank New York Mellon, 10502 Falcon St, Firestone, $203,800, home Fort Lupton • Chantell Nunn from Mireya Sosa, 1108 Village Dr, Fort Lupton, $135,000, home Frederick • Frank & Charmaine Carda-

mone from Diana Bartlett, 3106 Comanche Ct, Frederick, $332,500, home • James & Carrie Ratzlaff from Rolland Willuhn, 3216 Eagle Butte Ave, Frederick, $230,000, home Lyons • John & Sarah Collins from Jeffrey Becker, 602 Indian Lookout Rd, Lyons, $583,500, home • David Tiller from Daniel Greenberg, 340 Park St, Lyons, $295,000, home • Christopher Todd from Timothy Oakes, 420 Prospect St, Lyons, $282,500, home • Jo & Daniel Greenberg from Phillip Spreier, 827 3rd Ave, Lyons, $355,000, home Niwot • Jillian Horner from Pamela Johnson, 7551 Estate Cir, Niwot, $564,700, home • Thomas MacKall from Markel Homes Construction Co, 7253 Lacey Ct, Niwot, $219,500, home • Jose & Manuel Estradagarcia from Bank New York, 504 Olive Ln, Platteville, $96,100, home Foreclosures – notice of election and demand • Borrower: Jack Pease, Lender: Home State Bank, Amount: $5,153,395, Property: 7100 Quiet Retreat Ct, Batesburg, Filed: 08/20/10 • Borrower: Jack Pease, Lender: Home State Bank, Amount: $5,153,395, Property: 7145 Quiet Retreat Ct, Batesburg, Filed: 08/23/10 • Borrower: Bonnie Newman, Lender: JPMorgan Chase Bank NA Successor, Amount: $349,809, Property: 1005 Rocky Peak Dr, Berthoud, Filed: 08/19/10 • Borrower: Brian & Pamela Wilcox, Lender: Flagstar Bank FSB, Amount: $215,370, Property: 611 Bristlecone Ct, Berthoud, Filed: 08/19/10 • Borrower: Bejay Inc, Lender: Home State Bank, Amount: $5,153,395, Property: 4641, 4649, 4763 And 4771 Mali, Berthoud, Filed: 08/20/10 • Borrower: Arthur & Eleanor Korhel, Lender: Flagstar Bank FSB, Amount: $272,959, Property: 303 S 8th St, Berthoud, Filed: 08/23/10 • Borrower: Darci Hoback, Lender: Wells Fargo Bank National Association, Amount: $188,000, Property: 240 Garfield St, Dacono, Filed: 08/23/10 • Borrower: James Keppel, Lender: Chase Home Finance

Times-Call / Home & Real Estate Weekly

LLC, Amount: $411,496, Property: 1918 Southard St, Erie, Filed: 08/23/10 • Borrower: Anthony & Christina Dominick, Lender: Everhome Mortgage Company, Amount: $220,041, Property: 115 Kattell Ave, Erie, Filed: 08/20/10 • Borrower: Lisa Young, Lender: BAC Home Loans Servicing LP, Amount: $299,614, Property: 1120 Petras St, Erie, Filed: 08/25/10 • Borrower: Kenneth & Martha Smith, Lender: BAC Home Loans Servicing LP, Amount: $149,129, Property: 6370 Snowberry Ave, Firestone, Filed: 08/23/10 • Borrower: Lynda Beadle, Lender: BAC Home Loans Servicing LP, Amount: $133,935, Property: 425 McClure Ave, Firestone, Filed: 08/25/10 • Borrower: Jerad & Tammy Massey, Lender: BAC Home Loans Servicing LP, Amount: $183,911, Property: 542 Berwick Ave, Firestone, Filed: 08/25/10 • Borrower: Cesar & Maria Ibarra, Lender: Wells Fargo Bank Minnesota NA, Amount: $20,810, Property: 15506 Caroline Ave, Fort Lupton, Filed: 08/23/10 • Borrower: Stanley Lentzner, Lender: Midfirst Bank, Amount: $416,820, Property: 3045 S Buttercup Cir, Frederick, Filed: 08/19/10 • Borrower: Hughes LLC, Lender: Maki Serkahn, Amount: $55,000, Property: 7012 County Road 21, Ft. Lupton, Filed: 08/24/10 • Borrower: Ken Beecher & Lorraine Bullock, Lender: Wells Fargo Bank National Association, Amount: $238,300, Property: 1200 Button Rock Dr, Longmont, Filed: 08/20/10 • Borrower: Ronald & Christopher Magnuson, Lender: Citimortgage Inc, Amount: $239,115, Property: 1121 Merriman Pl, Longmont, Filed: 08/20/10 • Borrower: Sam Holder, Lender: BAC Home Loans Servicing LP, Amount: $152,834, Property: 1808 Tyler Ave, Longmont, Filed: 08/20/10 • Borrower: Antonio & June Amaya, Lender: Wells Fargo Bank NA, Amount: $242,327, Property: 1838 Ute Creek Dr, Longmont, Filed: 08/23/10 • Borrower: Donald & Kathleen Graham, Lender: Northwest United Federal Credit Union, Amount: $189,921, Property: 1931 Yeager Dr, Longmont, Filed: 08/20/10 • Borrower: Randy & Suzanne

11

Sterkel, Lender: BAC Home Loans Servicing LP, Amount: $231,004, Property: 2758 Falcon Dr, Longmont, Filed: 08/24/10 • Borrower: Donovan Carstens, Lender: Bank Of America National Association, Amount: $199,977, Property: 2201 Judson St, Longmont, Filed: 08/24/10 • Borrower: Gonzalo & Marta Ramirez, Lender: BAC Home Loans Servicing LP, Amount: $146,021, Property: 7 S Busch Ln, Longmont, Filed: 08/24/10 • Borrower: Linc & Katharine Snyder, Lender: GMAC Mortgage LLC, Amount: $211,803, Property: 1694 Judson Dr, Longmont, Filed: 08/24/10 • Borrower: Raymond & Teri Bielenberg, Lender: Wells Fargo Bank NA, Amount: $142,195, Property: 1403 S Coffman St, Longmont, Filed: 08/25/10 • Borrower: Aztec Corporation, Lender: The Bank Of New York Mellon Trust Co, Amount: $1,774,944, Property: 2350 Main St, Longmont, Filed: 08/23/10 • Borrower: Anne Fisher, Lender: Wells Fargo Bank NA, Amount: $131,869, Property: 50 Frontier Pl, Longmont, Filed: 08/23/10 • Borrower: Michael & Alicia Baldini, Lender: Colorado Housing And Finance, Amount: $171,734, Property: 985 Lashley St, Longmont, Filed: 08/24/10 • Borrower: Epifanio Martinez, Lender: Ocwen Loan Servicing LLC As Servicer, Amount: $241,144, Property: 2148 Santa Fe Dr, Longmont, Filed: 08/24/10 • Borrower: Douglas & Marva Testroet, Lender: Wells Fargo Bank NA, Amount: $63,998, Property: 3378 Mesa Verde 162, Longmont, Filed: 08/19/10 • Borrower: Jeremy & Dena Groves, Lender: Onewest Bank FSB, Amount: $181,962, Property: 193 Groover Dr, Lyons, Filed: 08/24/10 • Borrower: Jeffery & Pamela Malkey, Lender: HSBC Mortgage Services Inc, Amount: $185,618, Property: 515 Kathryn Ct, Platteville, Filed: 08/19/10 • Borrower: Mary Achziger, Lender: American General Financial Services, Amount: $41,116, Property: 101 Main St, Platteville, Filed: 08/25/10 • Borrower: Sherry Knoll, Lender: BAC Home Loans Servicing LP, Amount: $218,887, Property: 12887 Anhawa Ave, Longmont, Filed: 07/27/10

12

Times-Call / Home & Real Estate Weekly

September 4, 2010

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