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HOME November 13, 2010

Looking

Ceiling designs give new element to room

The importance of selecting the right tree professional Ask the right questions before refinancing

& Real Estate Weekly

Times-Call / Home & Real Estate Weekly

November 13, 2010

Selecting the right tree care professional

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and stump grinding is in the quote if you’d like it done. If the wood is diseased or infested with insects, be sure proper disposal of it is included. • Get several quotes, but don’t always go for the lowest bid. Since this is a long-term relationship throughout the life of the tree, choose the company you feel comfortable with. • Ask questions such as when the work will be started and completed, or if the site will be cleaned up by the company. • Be wary of door knockers who stop by just after storms. Often they don’t have training or insurance and can lead to headaches or legal problems. Search the International Society of Arboriculture for a listing of tree care professionals in your community at http://isa -arbor.com, and click on consumer information.

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shows they’ve taken steps to improve their business. But not all experts are certified arborists, and experience counts for a lot in this industry, so don’t rule out a company if they don’t have one as long as they provide references you can contact. If you live in unincorporated areas, call the closest city to get the list. Often most tree care companies work over a large region. Avoid companies that advertise topping, a practice of slicing the trunk to limit the height of the tree. The best time to have trees pruned is the dormant season, when the cost for pruning or removal is often lower. Trees should be trimmed every five to 10 years for both structure and health, or following a storm if there’s damage. Once you have a short list of businesses to call, Wicklund offers these tips for hiring an arborist. • Ask for references and call them. Professional affiliations with the Tree Care Industry Association or International Society of Arboriculture are desirable. • Make certain they have up-to-date proof of insurance. • Avoid hidden costs by getting a written estimate, making sure waste wood removal

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Your

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If your quality of life is imin place to protect consumers proved by having a lot of by having anyone working on strong, silent types surround trees within the city demonyou, the last thing they should strate proof of skills and knowlhave is a bad haircut and falling edge of tree care. limbs. Neglected, they become Without such consumer prounsightly and sometimes dantection, homeowners are often gerous, but given the right care, stumped on how to find repthey make everything around utable tree care, especially folthem better. Carol O’Meara lowing storms, when untrained “Trees are one of the commuColorado State opportunists go door-to-door nity’s greatest assets,” says Ken University Extension offering tree cleanup. Wielding Wicklund, forestry supervisor a chainsaw with little knowlwith the city of Longmont. edge, these fly by night trim“They improve water and air quality, mers can leave trees worse off, setting up canopies keep things cool. Having trees live the tree for decay, topping it, or endangerlonger is of tremendous benefit to all.” ing buildings and property as limbs fall. Finding a professional to keep your tree Beyond ensuring proper pruning, city healthy is not as daunting as it seems. Begin forestry licensing also ensure tree contraclooking for an arborist by calling your city’s tors are insured and trained in safety. In an forestry department to ask for their list of industry listed by the Bureau of Labor licensed tree services. Most of the metro Statistics as one of the top 10 most dangercities have tests the companies must pass ous professions, a little regulation helps before being allowed to work within city guide contractors to adhere to safety stanlimits. dards. But Boulder is an exception, with no reOnce you have your city’s list, narrow quirement for tree services to be licensed. down your search by looking for companies City staff are working to put an ordinance that have certified arborists on staff – it

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November 13, 2010

Times-Call / Home & Real Estate Weekly

High Designs Decorators find inspiration in ceilings By Stacy Downs McClatchy Newspapers

Things are finally looking up for ceilings. As we’re staying put in our homes, the fifth wall is getting attention. For decades, ceilings have been ignored blank canvases and missed opportunities. But that’s never been the case in Sally Hilkene’s Mission Hills, Kan., home. The interior designer’s music room already had ceiling details, but Hilkene darkened and distressed the corbels to play them up. And then there’s her dining room, inspired by an Italian monastery’s version of the heavens, with hand-painted Latin terms for sunsets and her three sons’ birthdates. But the piece de resistance is the family room Hilkene added to the home. Wooden beams accentuate the cathedral ceiling. The focal point of the room is a salvaged 15th century Italian ceiling as wall art with eyebrow windows to let in light. “Don’t we spend most of our lives sitting or lying down?” asks Hilkene, owner of Churchill clothing and home fashion stores in the Kansas City area. “So why shouldn’t ceilings be interesting? They can tell our personal stories, our family histories and even our fantasies, taking us away and bringing us peace.” Hilkene’s story is clearly about her love of Europe. With clients, she plays therapist to project their interests and dreams through design. And that isn’t limited to the walls, furniture and decor. Using

A ceiling crafted from boards of varying widths is featured in a bedroom at a home in Kansas City, Mo. (David Eulitt/Kansas City Star)

Kristi Ritter Summer Stair

overhead space, one client’s ceiling creates the feeling of sitting under a cherry blossom tree. “Maybe my need to make the ceilings pretty comes from growing up in a four-poster tester bed with draperies, and I’d stare at the fabrics and folds above me,” she says. “I use thick crown molding to play ceilings up. It doesn’t have to be super expensive; you can put together two trim pieces.” Interior designer Becky Mosby of Edgevale Interiors also appreciates ceilings with charm and character. Her store’s powder room ceiling is papered with a red Jaima Brown wallpaper, adding a rich layer to an already opulent room with gold-and-silver cabinetry and black draperies. Mosby, an architectural history buff, has worked on homes that were among some of Kansas City’s first showpieces, including Janssen Place in Hyde Park. She loves the fish-scale plaster ceilings made by master craftsmen in the late 1800s. Artist Devon Himes of Kansas City, who works with paint and plaster, creates interesting ceilings using old and new methods. One coffered ceiling in a Colorado project featured rosettes made of barn wood accented with lichen, silvering and baked-off paint. Another ceiling project featured a tortoiseshell pattern. Modern furniture maker Jason Milford of S(Lab) in Kansas City wanted the interior character of his Midtown brick over-under duplex, built in 1905, to live up to its interesting exterior, featuring a terracotta roof. He started with the ceilings. In the dining room, Milford used Lincrusta, a British wall covering invented in 1877, heralded as

A textured wall covering gives texture to the dining room ceiling in Kansas City, Mo. (David Eulitt/Kansas City Star) Above: This is the family room at the home of interior designer Silly Hilkene in Mission Hills, Kansas. (Jim Barcus/Kansas City Star)

the first washable wall covering. It appealed to Victorians who liked its durability and ornate effects. The name comes from Lin for linum (flax, from which linseed oil is made) and Crusta (relief). Before choosing Lincrusta, Milford also considered Anaglypta, invented in the 1880s as a flexible alternative to Lincrusta. Anaglypta is made of wood pulp and cotton, and like Lincrusta, the textured pattern can be painted. Working with the deeply embossed Lincrusta was challenging. Each of the four rolls weighed 40 pounds. It also required more trimming and cutting than he expected. “Next time, I’d definitely hire a professional wallpaper hanger,” says Milford, who estimates he spent $800 in materials. Milfrord’s bedroom ceiling, which he installed with his wife, Amy Bhesania, uses wooden ship lap in random widths. The effect is modern. “I like the idea of living in a space,” Milford says. “Not a box.”

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News and Press Releases

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Home & Real Estate Weekly welcomes news on hirings, advancements, awards, classes and other information of interest to the real estate and home community. Please submit information to the editor by e-mail, fax 303-774-8088 or mail to 350 Terry St., Longmont, CO 80501. The deadline is Monday at 5 p.m. the week of publication.

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On the Cover This is a detail of the music room ceiling at the home of interior designer Silly Hilkene in Mission Hills, Kansas. (Jim Barcus/Kansas City Star)

Times-Call / Home & Real Estate Weekly

November 13, 2010

Lower interest rates doesn’t mean better housing market

Winter-proof your home this fall for year-round benefits Article Resource Association

After a summer of record-breaking temperatures nationwide, you may be wondering if the impending winter weather will be just as extreme. While harsh weather puts a strain on wallets with increased energy bills, it can also be damaging to the home. Before the ice and snow hit, consider winterizing your home to help increase efficiency and minimize maintenance. “From minor improvements to extensive renovations, homeowners can do several things to create a more comfortable environment, and at the same time, enhance the aesthetics and performance of the home,” says Jerry Blais, vice president of marketing for Ply Gem, a leading manufacturer of home remodeling and building products. Adding gutter protection is one small improvement that can make a big difference on a home during the fall and winter months. Gutter protection helps keep debris such as leaves, twigs and pine needles from clogging gutters, allowing water to flow freely and reducing the possibilities of ice damming. If melting ice is unable to drain, it could seep into the walls and ceilings of your home. Certain gutter protection products also add strength to the gutter and create a strong resistance to high winds, heavy amounts of snow, ice, ladder damage and pest invasion. For an effective, low maintenance solution, ask your contractor for gutter protection with solid aluminum construction, such as Leaf Relief by Ply Gem. For a more extensive winterizing project, consider renovating your home with insulated siding. Insulated siding is backed with a polystyrene foam insulation that can increase a wall system’s R-value and boost the thermal performance of your side walls by up to 25 percent by providing a blanket of insulation. This helps reduce the impact of thermal bridging between your wall studs to minimize air leakage, significantly cutting down on the energy needed to heat or cool a home, and even reducing the effects of

outside noise. According to Pat Culpepper, president of Progressive Foam Technologies Inc., a foam manufacturing company that helps leading vinyl siding manufacturers produce insulated-backed siding, the product has multiple benefits in addition to energy efficiency. “Homeowners don’t just want energy efficiency, they want their home to look better and they also want to minimize maintenance,” Culpepper says. “With wider profiles than regular vinyl siding, insulated siding provides a true wood look, without the maintenance of real wood.” According to Culpepper, insulated siding is the only cladding product on the market that can actually save homeowners energy and offer payback down the road. Additionally, the foam backing makes it extremely durable, helping to prevent damage and denting from hail, high winds and even the accidental hit from baseballs or golf balls. Beyond energy efficiency and durability, insulated siding is an exceptionally dry wall system, making it resistant to mold growth and deterioration due to moisture absorption. “In the 20 years that we have been manufacturing insulated-backing for siding, we have had zero water damage claims,” Culpepper says. Today’s vinyl siding manufacturers offer insulated siding options at various price points and in an assortment of colors. For superior performance and a wide selection of coordinating design accents, Blais recommends Mastic Home Exteriors by Ply Gem Structure EPS. Options such as Napco by Ply Gem American Essence or Variform by Ply Gem CSL 600 also offer classic styling in up to 14 colors. Visit www.plygem.com for more information on gutter protection, insulated siding and other home improvement products – including windows – that can help increase comfort and efficiency, minimize maintenance and add beauty this winter and yearround.

The average quote for a 30-year fixed rate mortgage on Zillow’s mortgage marketplace last week was 4.14 percent. The average rate quoted for a 15-year loan was 3.6 percent. And for those willing to take a flier on a 5/1 adjustable rate mortgage (ARM), the average quote was 2.96 percent. Imagine getting a loan fixed for 5 years at under 3 percent. It’s hard to believe. What’s even harder to believe is that the Federal Reserve Bank has decided to spend $600 billion buying bonds, a program known as “QE2,” short for the second round of quantitative easing. The goal of the program is to lower long-term interest rates. The economic reasoning behind the purchases is that if longterm interest rates go down, economic activity will pick up, jobs will be created and the economic recovery will begin in earnest. And when that happens, those lower rates will spur the housing market to recover. Will it work? It might, if everyone acts on those super-low interest rates. But will businesses hire more workers and make additional investments simply because the cost of borrowing drops another onehalf of a percent? Is there a really big difIlyce Glink ference between borrowing money at 4 Tribune Media Services percent versus 3.5 percent? Lower interest rates seem less likely to spur a business to act than landing a new client or an additional piece of business. When it comes to mortgage refinancing, the same principal applies. There is a finite number of homeowners who can refinance to take advantage of the super-low interest rates, because most don’t have enough equity in their homes, or their credit scores are shot, or they don’t have enough cash on hand to pay the closing costs or fees. Many of those who do have the cash, credit and equity necessary have already refinanced at recordlow interest rates. Some have already refinanced a couple of times as interest rates dropped. Is it worthwhile to refinance again if you’ll only save $50 or $60 per month, but it will take two to four years to pay back the costs of the refinance with the savings the new lower rate will generate? And what about the costs you paid to refinance the last time? At some point, the potential savings isn’t worth the effort. There’s also some question about whether lower interest rates will spur home buyers to jump off the fence and make an offer. Mortgage interest rates are nearly at 4 percent for a 30-year fixed-rate loan. But buying a home is a bigger decision than simply looking at how low interest rates are. You also have to have great credit and plenty of cash for closing costs and reserves. Many home buyers don’t have all those ducks in a row. You also have to have a reason for moving. You desire a bigger house or a better school district; you want to take a new job; or, perhaps you’re ready to downsize and retire. Will lowering interest rates overcome all of these other hurdles home buyers are facing? It’s tough to know. One thing is for sure: Mortgage interest rates have never been this low. And if you do qualify to refinance, and your current interest rate is ore than 5 percent on your 30-year or 15-year loan, you should run the numbers and figure out whether it makes sense for you to refinance your property. 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.

November 13, 2010

By Helaine Fendelman and Joe Rosson Scripps Howard News Service

45-157342

Dear Helaine and Joe: I am enclosing a picture of a cookie jar, cream pitcher and salt and pepper shakers. I know them as “Puss ’n Boots.” The shakers are missing their corks, but the pieces are in good condition otherwise. Can you tell me the value? – K.C. Dear K.C.: Cookie jars are such a symbol of the “Leave it to Beaver” era that has now all but disappeared into oblivion. This was a time when apron-clad mothers (and grandmothers) made cookies from scratch and stored them away in cookie jars so that Sally and Johnny could have a sweet treat when they came home from school or after they had their nutritious dinner. In their heyday, cookie jars came in an amazing variety of shapes, and a few of the more interesting ones were made by the Shawnee Pottery Co. of Zanesville, Ohio. This company went into business in 1937 in the old American Encaustic Tile Company facility. It made a variety of wares, and it is reported that many of the designs were actually originated by such companies as F.W. Woolworth, McCrory Stores and the S.S. Kresge Company. These massmarketers told Shawnee what they wanted, Shawnee had the molds created and then made the product. In the cookie-jar line, Shawnee’s most famous design was probably Smiley Pig, which was patented in 1942. Other designs

include Winnie, who is often associated with Smiley Pig and wears a fetching little hat; Jack and Jill; Muggsy the toothache dog; Jumbo the elephant; Jack Tar the sailor; JoJo the Clown; and, of course, Puss ’n Boots. One of the most valuable Shawnee cookie jars, however, is just called “Cottage.” It is simply marked “USA 6” and is just 6.75 inches tall. It is shaped like a simple cottage, but these pieces are rather hard to find and have been valuable in the past (up to $1,500), but are now less pricey. The patent for the Puss ’n Boots pieces was applied for in 1945, so the set belonging to K.C. is not technically an antique. There was a time – not so long ago – when this set was worth close to $400 for insurance purposes, but now the market has fallen dramatically, and current values are closer to $150 to $200.

By Mimi Andelman St. Petersburg Times

Maybe it takes week. More likely it takes months. Eventually, a seller needs to accept reality: If a house isn’t selling, then the asking price needs to be cut. “A healthy reduction should be at least 10 percent of the purchase price,” says Matt Fishel, a Realtor in Palm Harbor, Fla. But folks are hard-pressed to be flexible on asking prices when their equity has disappeared or when competitors make their asking prices look sky-high. Enter the Realtor, whose job it is to make sure the price is right in an exceedingly complex market. “If it’s showing, it’s going. If not, we’ve got to drop it,” says Greg Armstrong, who owns

F.I. Grey & Son Residential Inc. in New Port Richey, Fla. When the seller and Realtor first meet, the seller may have a number in mind, based on information gathered from the Internet and neighborhood contacts. An agent will compare comparable sales in the seller’s immediate and surrounding neighborhoods, then make adjustments, says Walter Molony, a spokesman for NAR, the National Association of Realtors, in Washington, D.C. When a seller won’t budge, Molony says, the waiting begins. The motivated seller must do his or her research and sit down with an experienced sales agent to review all the data. Working together, they can come up with that magic number. NAR’s Profile of Homebuyers and Sellers includes interesting data: • A typical seller today has been in the house for seven years. • A typical buyer is planning to stay for 10 years.

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Cookie jar symbols a thing of the past

Be realistic when setting house price

Times-Call / Home & Real Estate Weekly

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Times-Call / Home & Real Estate Weekly

November 13, 2010

Before taking leap to refinance, ask questions By Michele Lerner bankrate.com

Home mortgage refinancing may sound like a good idea in theory, but it’s not always possible or desirable. For starters, lenders have tightened up the approval process, making it more difficult to get loans. “Homeowners today need to be triathletes to qualify for a loan, with great income, great credit and great value in their home,” says Anthony Hsieh, founder and CEO of loandepot.com. In addition, a refinance may not make sense financially, particularly for borrowers who plan to sell their homes in the next few years. Before taking the leap and opting to refinance, homeowners should ask themselves six questions. Homeowners need to have at least 80 percent equity in their home to qualify for a new loan without paying private mortgage insurance. Adding PMI to the cost of a new loan could negate the benefit of a refinance. Today, many homeowners are underwater – meaning they owe more on their mortgages than the house is worth. However, being underwater or having little equity

does not necessarily rule out a refi. “Homeowners should still apply for a refinance even if they have low equity, because there are some Fannie Mae and Freddie Mac programs and FHA loans that may accept them,” Hsieh says. Roy Meshel, district vice president for W.J. Bradley Mortgage in Phoenix, recommends homeowners refinance quickly in case the housing slump deepens, causing values to depreciate even more. Patrick Cunningham, vice president of Home Savings and Trust Mortgage based in Fairfax, Va., recommends an increasingly popular approach – the so-called “cash-in” refinance. Borrower credit scores play a big role in securing a good mortgage rate. In fact, you’ll need a good credit score to qualify for any type of mortgage. Mortgage rates operate on a sliding scale, with the lowest rates going to applicants with the highest credit scores of 720 or higher. Borrowers with scores below 620 will have trouble qualifying for any mortgage. Many homeowners refinance to lower their monthly payments. Others choose a shorter-term loan with higher monthly payments so they can reduce overall interest payments and own their homes faster.

“Some people are restructuring their loans to a 20-, 15- or 10-year mortgage, which works well for people with plenty of disposable income,” Cunningham says. “But I worry that people are too focused on paying off their mortgage and not integrating this decision with their overall financial plan.” Cunningham urges borrowers to make sure they contribute to retirement savings and college savings, pay off high-interest debt and save six to 12 months of expenses “before opting for a shorter, more expensive mortgage.” Meshel says people should consider whether they want to retire without a mortgage before opting for a new 30-year loan. Those who have employment concerns may want to refinance into the lowest possible payment in case of a job loss. Mortgage professionals generally tell borrowers to expect a home refinance to cost 3 to 6 percent of the loan amount. A simple calculation shows how long it will take to reach the break-even point when the savings outweigh the costs. “If the break-even is at 15 months and you plan to stay in the home for five years or longer, it is probably worth it to refinance,” Cunningham says. “But if you plan to move in two years, it may not make

sense.” Meshel says long-term homeowners who are close to paying off their mortgages might not want to refinance because of the costs incurred. Borrowers with adjustable-rate mortgages or interest-only loans should consider the potential benefit of switching to a fixed-rate loan. Hsieh says all borrowers with ARMs should switch to a fixed-rate loan unless they intend to move within one year. However, Cunningham says some borrowers can benefit by sticking with their current ARM. “Consumers with a subprime ARM should definitely switch to a new loan,” Cunningham says. “But some with conventional ARMs may find that they are in a good loan and that their rates are actually dropping.” While new loans today rarely have a prepayment penalty, many homeowners still have loans with that restriction, which could reduce the financial gain of a refinance, Meshel says. Borrowers with adjustable-rate mortgages or interest-only loans should consider the potential benefit of switching to a fixed-rate loan. Hsieh says all borrowers with ARMs should switch to a fixed-rate.

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November 13, 2010

Hover Manor Senior Apartment Residence

Washer/Dryer Hook-ups

line McConnell, Lender: Citimortgage Inc, Amount: $283,499, Property: 9350 County Road 13, Longmont, Filed: 10/20/10 • Borrower: Rex & Shelly Brandt, Lender: Aurora Loan Services LLC, Amount: $356,725, Property: 11830 N Beasly Rd,

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$580-$945

Yes

1, 2, 3

1, 2

Yes

$789-$1239

$200

1, 2, 3

1, 2

Short Term Available

Yes

$1235$1625

1, 2

Yes

Some

Yes

1,2,3

Yes

65 lbs limit Pets Neg.

Yes No

& rental available

Convenient location, pet friendly, garages available, 24-hour maintenance

Yes

In historic Longmont, large trees, quiet neighborhood on-site parking & storage. Close to RTD. Heat included.

Yes

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

Full size in each condo

W/D provided in each Condo

All utilities & cable paid, sec. bldg., elevator, W/D in every unit, transportation, social events. HUGE amenities package, quiet 55+ community. Call for incentives!

Yes

$50+ mo.

Other Amenities

Yes

Pets

Allow Smoking?

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

# of Baths Lease Required

$835-$840

# of Bedrooms

$885-$890

1401 Elmhurst Dr. • 303-772-9292 2400 17th Ave. • 303-772-4667

Longmont, Filed: 10/20/10

Deposit

Address Phone

Complex Name

• Borrower: Jared Fishman, Lender: BAC Home Loans Servicing LP, Amount: $166,912, Property: 10704 Butte Dr, Longmont, Filed: 10/11/10

• Borrower: Maria Mendoza, Lender: US Bank National Association, Amount: $139,750, Property: 405 E 4th Ave, Longmont, Filed: 10/20/10 • Borrower: Christine Young, Lender: JPMorgan Chase Bank National Association, Amount:

Price Range

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

Times-Call / Home & Real Estate Weekly

Reach over 44,000 Readers Each Week With Your Advertising Message. Call Your Classified Advertising Executive Today 303-776-7440

Times-Call / Home & Real Estate Weekly

November 13, 2010

Saving a dime on hot-water usage By Dwight Barnett Scripps Howard News Service

Q: I was gone a lot this summer, so I used the vacation setting on my hot-water heater. Because I use so little hot water (one shower a day, two loads of cold water and two dishwasher runs a week), I left it on the vacation setting until this past week. Is there any harm in this, and would the water be hot enough for the dishwasher? I use filtered cold water in the kitchen for any cooking, and the water is plenty hot for my showers. A: According to the Department of Energy website, the storage of hot water in a standard electric water heater accounts for about 12 percent of your utility costs. From a variety of online pages, I also found that during a typical shower, a person uses about 20 gallons of water, five of which are hot water (a four-to-one ratio). The ratio will vary depending on the temperature of the cold water and the temperature of the shower. It seems that most of us have different opinions on what is a hot or satisfying shower. Using this same ratio, the following represent the number of gallons required by the average residential user: shaving uses two; washing hands and face, 2.6; shampooing hair, four; clothes-washing, 25; and food preparation, five. With an average temperature setting of 120 F at the water heater, it is possible that the vacation setting will work well for a single person who showers at one time of day and does the laundry at another, giving the water heater time to recuperate. Try to maintain the temperature at 120 F to prevent bacteria. As the cost of heating water escalates, there are a few things you can do to save on these increasing energy costs. From the DOE website: • “If your storage water heater doesn’t have heat traps, you can save energy by adding them to your water heating system. They can save you around $15 to $30.” • “Heat trap – valves or loops of pipe – allow water to flow into the water heater tank but prevent unwanted hot-water flow out of the tank. The valves have balls inside that either float or sink into a seat, which stops convection. These specially designed valves come in pairs. The valves are designed differently for use in either the hot- or cold-water line. A pair of heat traps costs only around $30. However, unless you can properly solder a pipe joint, heat traps require professional installation by a qualified plumbing and heating contractor. Therefore, heat traps are most cost-effective if they’re installed at the same time as the water heater.” • “Today, many new storage water heaters have factory-installed heat traps or have them available as an option.” Other energy-saving ideas would be to insulate the hot-water pipes with prefabricated foam rods purchased at local home stores and you can also insulate the tank if the water heater is outside the conditioned area of the home. A water heater in an unheated garage, closet or basement needs an extra layer of insulation. Just make sure that the insulation does not cover the heating element, burner opening or the temperature/pressure relief valve. For more information, visit www.energysavers.gov/your_home /water_heating.

The vibrant colors and soft textiles of bedding make the perfect refuge from chilly nights. (SHNS/Courtesy Nell Hill’s)

Love your bed this fall By Mary Carol Garrity This fall, don’t just dream about making your bed into an oasis, take steps to make it a snuggly retreat that’s also a feast for the eyes. It’s fun and easy to freshen up your bedding ensemble, whether you want to add just a few small touches or create a whole new look. I’ve asked Marla, Kathy and Macy, the Three Queens of Custom Bedding at Nell Hill’s Briarcliff, to offer some makeover ideas. Marla loves timeless bedding that transcends trends and withstands the test of time. So when she went to our fabric room at Nell Hill’s Briarcliff to pick the fabric for her bed, she couldn’t resist a brand-new toile we just got in that features images of deer. The toile became her inspiration fabric, which drove the look and feel of the entire bedding treatment. If you don’t know where to start when creating a bedding ensemble, follow Marla’s lead and pick one fabric that steals your heart and use it as the guide when picking out every other piece for your grouping. When she works with toile, Marla likes to combine it with menswear fabrics so the bed doesn’t look too feminine. Her pick here? A tartan plaid, a windowpane plaid, a pinstripe, a paisley and some chocolate-brown velvet tossed in for added richness. Marla starts her dream bed with a back row of two Euro shams made out of a menswear plaid in browns and reds. For a second layer of pillows, Marla again picks Euro shams, this time cov-

ering one side in her inspiration fabric, the toile. She uses a wool windowpane check in camel and brown on the back of the pillow, then cords the whole thing in brown velvet because she likes the formality and elegance it gives the toile. For the 20- by 26-inch accent pillows that make up the front layer of pillows, Marla brings in one of my favorite “splurge” fabrics – a yummy paisley crewel. She also makes these pillows reversible, covering the back with a wool pinstripe in camel and cream, then finishes them off with a brown velvet cord. When you pull together your bedding ensemble, make sure the foundation piece makes your heart sing. Marla features her inspiration toile fabric on one side of a reversible duvet, then on the other, repeats the plaid from one of her Euro shams. To make your bed look more luxurious, add a second duvet to the bottom. Your second duvet should harmonize with the bedding, yet also bring some contrast. For her sample bed, Marla fashioned a second duvet that’s loaded with texture. One side features “raffia cream” and the other, “raffia natural” – identical fabrics in different colors. What’s the hottest look in bedding this fall? Marla votes for plaid. Her favorite colors for fall this year? Rust, brown and any color of green – the very colors you see in fall. Kathy, for her part, knew in an instant what fabric she wanted to use as her inspiration for a bedding ensemble: ikat. This ancient pattern is all the rage today, especially with younger

shoppers. She picked a classic ikat print in my favorite color – blue – to set the tone for a playful bed that’s for the young and young at heart. Kathy makes her custom bedding reversible so the bed can sport a number of different looks and work equally well in fall, winter, spring and summer. She starts her pillow layers with matching Euro shams made out of the blue ikat and a whimsical floral that’s so peppy, you can’t look at it without smiling. The pillow is finished off with a simple navy cord. She brings in a wonderful hound’stooth check into her next layer of pillows. But she backs it with a playful stripe in sea foam and periwinkle that’s anything but staid. She finished the pillow with a knife pleat in navy. Matching accent pillows in Kathy’s last layer tie together all the fabrics used in the bedding. If you want to freshen the look of your bedding for fall, but are on a tight budget, just add a set of custom accent pillows like Kathy does. One set of pillows will allow you to pull together several different fabrics that echo the colors and patterns in the rest of your bedding, giving your bed a fresh new look without much investment. A reversible duvet, which serves as the foundation for this bed, brings together the ikat and floral fabrics. Be sure to break up the plane of your bed by folding a duvet or quilt at the bottom. Kathy’s picks for fall? Anything and everything in blue! “Blue is great for every season,” Kathy says.

November 13, 2010

Times-Call / Home & Real Estate Weekly

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 Apartments/ Apartments/ Apartments/ Condos/ Garages/Storage Houses 4080 Unfurnished 4030 Unfurnished 4030 Unfurnished 4030 Townhouses 4050 Spaces 4070 ● 2213 COLLYER- 4 bdrm CLOVERBASIN VILLAGE (303)485-0512 630 Peck DriveLongmont West on Nelson/Airport Rd

Apartments/ Furnished 4010

FURN HOUSE- Old Twn Lgmt. 3 bdrm, 2 bath. Short term OK. 303-912-4663 NO lease, dep or credit chk Wkly/4-wk • 303-776-2185 • ALSO RV SITES AVAIL!

Apartments/ Unfurnished 4030

♣

1 BEDROOM, 1 BATH

AS LOW AS $690 ♣

2 BEDROOM, 2 BATH

AS LOW AS $799! ♣

3 BEDROOM, 2 BATH

Starting @ $799! ♣

3 BEDROOM TOWNHOUSES

Starting at $975! 0 APP FEE: Fall Special! 1 bdrm $550 On-site pkng/laundry. A/C. Water & heat pd. Se Habla Espanol. (303)774-0593

1 1/2 BDRM trailer, newly renovated, carport, storage, private, close to bus. N/P, lse, refs, Pratt & So Main, $550 inc utils. 303-507-3457 120 Pacific Ave, Ft Lupton Beautiful 725 sf 1 bdrm, inc utils *terms. N/S, N/P $675. 303-857-8777

LE DEAUVILLE APARTMENTS ROOMY & READY

45-157315

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

303.772.3737

QUAIL VILLAGE 303-485-0065 321 Quail Roadacross from Longmont Rec Center

•1 & 2 BDRM ✭ $550-$675 FREE Heat 1060 17th Ave, Habla Espanol 720-327-8918 1 & 2 BDRM Apt Homes Fox Ridge Apts Premier Gated Community. Pets OK! For Info & Specials Call (303)774-9944

2 BDRM APT´s-

Starting at $645, some with Move-in Specials! Call PMP, 303-776-RENT

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

● 917 SUNSET #205 2 bdrm, 1 ba , 2nd floor. Water/trash/ heat incl. ● 1431 STUART N/P. $695 ● 917 Sunset 2nd Floor, 1 bdrm, heat and #106- 2 bdrm, 1 ba, ground water included, small pet level, new carpet, water/ OK, $525/mo. RMG Realty trash/heat incl. N/P. $695 (303)772-4466 RMG Realty, (303)772-4466 1 BDRM APT in No Longmont. Senior housing, 62 or older or those w/ disabilites. Call for our move-in specials. Apartments, your choice! (303)485-5232 www.alertrealty.net ● 1 BDRM- nice, N/S ● A/C, lndry, off st pkng ● $625, 303-444-0501 2 Bdrm, 1 ba, large, comp. remodel- WD, A/C, deck, N/P/S 2041 Meadow Dr. $840 303-443-4308

EASTGLEN APTS 630 Lashley, Longmont

(303)682-2943 1, 2 & 3 BEDROOMS: Pool, air, laundry ✭Wtr, trash, sewer pd

LONGMONT Townhome/Condos 1 Bedroom- $545! • 1601 Great Western 2 Bedroom- $645! Call PMP, 303-776-RENT Secure bldg, swimming pool, A/C, on-site laundry. Call PMP, 303-776-RENT

Duplexes

● 3 BEDROOM, 2 BATH

Starting at $844! *LIMITED NUMBER AVAILABLE* **Income Guidelines May Apply** ✓ Full Size Washer & Dryer Hookups ✓ Close to Bus lines ✓ Pets Welcome

APARTMENTS

Rent Me! Rent Me!

1 bdrm Lafayette Beauty. Move-in Special $645 Call PMP Today, 303-776-RENT

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

New Extented Stay Hotel ● $179 * WEEKLY or ● $649 MONTHLY ✓ 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

Bring ad to qualify. *Expires 11/30/2010

2 ba, frpl, fncd yd, 2 car INDOOR GARAGE & gar, $1300/mo. Pet nego. Commercial Storage Call Pennant, (303)447-8988 20x40x16 w/ 14x14 doors start at $300. 3129 Lake Park Way, 20x50x16 w/ 30 amp elect, 2 bdrm, 1 ba, 2 car, fncd yd, man door & pwr door frpl, $1200 + 303-709-6402 opener start at $425. Garage Storage LLC, 4070 Camelot Cir, located I25 Business Park. I-25 & Hwy-66. 970-535- 6074 3 & 4 Bedroom Houses www.Longmont-storage.com www.alertrealty.net

Warehouse 2304-SF, 12´ O.H. dr. 634 Railroad. $700/ mo 970-667-9983 or 290-3876

Houses

4080

1819 ANTERO- 2 bdrm, 2 ba, gar, A/C, frplc, fncd yd, clean! $895. (303)204-7445

EQUAL HOUSING OPPORTUNITY 2 & 3 Bedroom Duplexes www.alertrealty.net

2 bedroom,1.5 bath, loft, attractive, mountain view, fireplace, fenced yard, NP/NS, 2033 Lincoln, $840/ month. 720-201-9197.

VALUE PLACE FIRESTONE

• FREE Washer/Dryer & 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

4060

Mtn Views! 1 BDRM APT Quiet area, lndry, nr 23rd & Main. Sorry no pets, $575 0 App Fee-$100 off 1st 2 mos Top Realty, (303)931-6423 Lg 3 bdrm, 2 ba, gar, water pd. No dogs. 303-682-2525

● 2 BEDROOM, 2 BATH

AS LOW AS $731

(2) 2 BDRM apts for rent, all appl, att gar, A/C, playground on premises. Landlord pays water, no dogs. $675-695 + dep. Avail 11/13. (303)210-5284

Horizon Place

COZY 1 bdrm, appl´s, W/D, central air, utils paid. N/P, N/S. $675/mo. 331 21st Ave. 720-280-8795 or 303-589-3186 after 5.

45-157232

Rentals

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

2 BDRM, 1 BA, $700/mo, only $250 deposit. First month FREE! Gas & Wtr paid. 1419 Emery St. Se Habla Espanol. 303-678-6221

A NICE LARGE 2100 sf, 2 bdrm, 2 ba, single car gar, DW, cooler, bsmt. No app fee, no pets. $925 + $925 dep. (303)776-4335

DUPLEXES 2 Bedrooms

• 1451 Lamplighter • 1410 Terry Street Call PMP, 303-776-RENT

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.

● 4 BDRM, 1203 SPRUCE2 bath, 2 story, NEWER Old Town. Fncd, 2 car & RV pkng. $1295/mo. One month FREE rent! Sits above 2 bdrm unit. RMG Realty, (303)772-4466 4 BDRM, 2.5 BA, lg fncd yd, garden, sprklr, AC, schls 1411 Deerfield. $1600, reduced to $1295 w/good refs. Avl 12/1. 303-776-7528 4 Bdrm, 3 ba, 3 car, SW schls, nice famly home. 664 Timothy. $1645 303-772-0442 4 BDRM, 3 BATH, 2 car, fncd yd, cul-de-sac, Lgmt, great cond! 2408 Scott Ct. $1350/mo. N/S, N/P. Avail Dec 1. (303)506-2266 5 BDRM, 3 ba, 2 car, 4290 sf, 1505 Red Mtn Dr, fncd bkyd. $1495+ 303-834-2526

Charming & cozy 2 bdrm, 2 ba in Lgmt, approx 1 mi from hospital. Wonderful remodeled kitchen & priv bkyd. View by appt only. ● 1018 SUMAC ST3 bdrm, 1.5 ba, $1100/mo. Avail immed. $1150 + $1150 303-775-0429 ask for Sean dep. Call Lisa 303-994-7248

Nice & clean, 3 bdrm, 10544 Sunburst, Firestone, 4 1.5 ba, close to park. Water paid. 1958 Meadow bdrm, 3 ba, 2 car, bsmt, Dr. $825/mo. (303)931-4926 fncd, frpl, A/C, loft, N/S. $1495/mo Jim 303-775-0163 SUNSET GOLF AREA, 2 BDRM, 1 BA, W/D, frpl, fncd yd, N/P/S, $715/mo. 1828 Spruce. 303-772-5233

4,500 SF in Prospect New Town, Lgmt. 6 bdrm, 5 baths, $2,900. Avail Jan 1. Access to community pool. This beautiful home with great views has all upgraded features. Also would consider lease with option to buy. Call Laura or Dave at 303-882-6159. Serious inquires only.

● 1701 ADKINSON 4 bdrm, 3 bath, 2 story, 2 car gar, Lgmt. $1495. RMG Realty, (303)772-4466

FIRESTONE- 4 bdrm, 3 ba, 3 car, new carpet, gour kit, lg mstr, huge redwd deck, lg fam rm w/FP. $1500. (303)651-6635. FIRESTONE HUGE 2700 sf, 3 bdrm, 2 ba, mstr suite, 3 car gar, $1395 N/S. 303-857-8777

Times-Call / Home & Real Estate Weekly

November 13, 2010

Houses

4080 Mobile Homes/ Spaces 4090 Frederick Home $1200/mo

New in 2003 Very nice 3 bdrm, 2 ba w/ gar, huge yd, MOBILE HOMES for Rent A/C, applcs. 720-201-9667 $650 to $750, 2 & 3 bdrms. River Valley Village, (303)772-3240 FREE RENT! 3/4 BDRM- enclosed atrium, laundry room, privacy fence, gar. $1300. 303-548-1091

Office Space 4100

HOUSES HOLIDAY SPECIALS 2500 to 5000 SF- great views from 2nd level, ample parking. 2432 Main. 303-875-1345

2- 4 Bedroom Homes • 163 Grant • 46 University • 536 St Andrews • 28 Reed • 1973 Carr Ct • 32 Forsyth • 1513 Green Pl • 132 Telluride • 2206 20th Ave • 1012 Pratt St • 1240 Meadow • 1517 24th Ave • 1249 Whitehall Dr Call PMP, 303-776-RENT LAFAYETTE HOME Centrally located & walking distance to downtown. 104 Cleveland. Call PMP Today! 303-776-RENT

NW Longmont, 3 BR, 2 ba, 1627 Calkins, $1,150/mo NP/NS 303-601-6946. VERY CLEAN! 3 bdrm, 2 bath, all appl´s, hrdwd floors, custom tile. $875 + dep. Firestone. No pets/smoking. Avail Nov 13th. (303)523-0733.

$250/MONTHGreat parking, quiet. Ground level. Four Seasons Realty, (303)875-1345

Farms, Ranches Longmont Acreages 5050

✭Garage Condo✭

WOW WHAT VIEWS!

Real Estate

“DISPLAY SPACE” Unique opportunity! Set up your Booth in retail store. Display, sell your items. Main St. display windows, inside spaces too. Limited area. (303)682-8985

PROFESSIONAL Offices N. Longmont. 150 to 825 SF. Single & 3 office suite. All ground level, 2 entr, great prkg. 303-956-1141

Rooms For Rent

Mobile/ 5130 Manufactured Homes/Spaces 3 BDRM, 1 BA, new carpet, W/D, carport, Lgmt adult park age 55+, 970-215-1819

✭ MOBILE HOMES ✭ 2 ACRE LOT, Berthoud BUYING/SELLING area, $40K price reduction, Local park needs used mob $125,000. Call Steve Conder homes. We´re buying! Big for details, 303-514-3706. Sale! Many single & dbl wides. Fin avl, auto ap2 ACRE LOTS WEST OF proval on owner fin homes. BERTHOUD. Great Views! Bad credit OK! Moves avl. $149,900. Fred @ Four 970-222-1473 Seasons Re, (720)494-2133. ✭ 690-2725 or 690-3283 ✭

Buy it... Sell it... Find it...

Classified

Sell, Advertise, Recruit

2880 sq ft Industrial Bldg. High traffic on 3rd Avenue Office/Warehouse/Shop $179,500

Ken Kanemoto

4130 303-772-2222

A picture is worth a thousand words Try a color classified picture ad! Call for details.

Longmont

5090

303-776-7440

1725 FOSTER DR. Move right into this ranch home on terrific cul-de-sac view lot! 3 BR, 2 BA, partially finished basement. A/C, Hardwood & nicely landscaped yard. $179,900

Retail Space 4135

1105 VIVIAN ST.

Economical all brick ranch on corner lot near schools, parks and shopping. 3 large bedrooms, 2 baths, 1 car garage, wood floors and alley access. Come discover this gem in the rough in a great location...$159,900

773 SQ FT- busy shopping center, 1116 Francis St, $825. Alert RE (303)776-5156

303-775-0710

46-157644

Office Space 4100 Retail Space 4135

228 EMERY ST. Handyman Special! Turn of the century bungalow ranch home in Old Town has lots of potential! Check out the many possibilities here. $69,900

46-158199

205 GRANVILLE AVE, FIRESTONE Two spaces available, close to Twin Peaks Mall, Home Depot, Pennys and more. 1,141 SF to 2,840 SF Ed & Keith Kanemoto

303-772-2222

A true fixer upper here! Build instant equity with this large corner lot, bungalow home with detached 2 car garage. $84,900

46-158190

255 WEAVER PARK CLASS “A” second floor office space for lease or sale. Common area, conference room, elevator, mountain views. 1 yr Free Rent!

303-772-2222

OPEN HOUSE Open House every Sat & Sun from 11-3:00 Ranch & 2-story new homes ready for quick Move In from $270K. Lennar Homes at Hover Crossing, 18th Ave. & Hover. 303-678-0100

LAKESIDE Custom Lots Only seven left! $125K-up. Invest now. Build later. Beautiful, quiet Victorian neighborhood. Rural livingcity services. www. lakemcintoshfarm.com

IND. BLDG FOR SALE

Dedicated to your best interest, Longmont´s Terri Hatch of People´s Mortgage & Devin O´Branagan ERA Tradewind

Don Rulle, CCIM

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

Check out the pet columns in classifieds for that special companion you’re looking for.

1314 S. Emery St, Lgmt Open Sat. 1-4, $174,900 3bd 2.5 ba condo. Joy Brooks, KWFRP 303-570-6402

$1000 down Do you qualify?

5090

46-158200

SEMI-FURN Rooms/Apts Wkly/mnthly from $100/wk Utils/micro/fridge inc (303)931-7108

Buy a home for

Longmont

GREAT MASSAGE OFFICE FOR RENT. (720)280-9047 OFFICE SPACE, 6 rooms avail, $155-$325, great prkg, utils pd. Lgmt (970)231-7871

L-cove storage condo 16´x 48´ & 16´x 27´ all in 1 unit #108. 2 OH doors (14´w x 14´h & 10´wx 14´h) & man door. Clubhouse, electric, h & c water, lift, heat & more. $114,500.

5090 Lots & Tracts 5100

Lots & Tracts 5100

Commercial Real Estate 5030

BSMT Rm w/prvt ba, acc to kit. & laund rm., NS $600 + dep w/util incl. 3-485-9730

Why rent?

2.8 acres, water tap in & paid. Electric close, septic needed & Ish res irrig wtr. $100K, just SE of Berthoud. Call Mark Sullivan at ERA Tradewind (303)684-6335

Business 5025 Commercial Real Estate 5030 Opportunities

500 to 2500 SF, can divide. On site prkg, Good traffic exposure. 303-523-3369 AFFORDABLE Office Space on Main Street. Only $250/Mo. 303-862-3232

5090 Longmont

LONGMONT 629303-772-7576 Terry St., Longmont ww REALTY www.longmont-realty.com

Self-Serve Classifieds Immediate access at your fingertips. www.timescall.com Click on “Submit An Ad” 303-776-7440

Classifieds 07423006

November 13, 2010 Real Estate Transactions are supplied by Prospects Unlimited Inc., www.prospectsunlimited.com.

Longmont • Gregory Glennie from Big Goose LLC, 6825 E County Line Rd, Longmont, $485,000, home • Katja & Michael Shutes from Fannie Mae, 1819 Ashford Cir, Longmont, $273,900, home • Frank & Iryna Dirkes from Fannie Mae, 6345 Ute Hwy, Longmont, $177,500, home • Jay & Lucinda Hormel from Guaranty Bank Trust Co, 1379 Charles Dr Unit B3, Longmont, $250,000, condo • Brandon Delozier from Gregory Haggquist, 668 Nelson Park Dr, Longmont, $285,000, home • Kevin & C Biehle from Michael Park, 1709 Montgomery Cir, Longmont, $542,500, home • Gregory & Amy Haggquist from David Richter, 837 Incorrigible Cir, Longmont, $527,500, home • Lanny & Rebecca Lad from Nancy Smith, 861 Snowberry St, Longmont, $199,500, home • Robert Taylor from Jamie Taylor, 3627 Boxelder Dr, Longmont, $285,000, home • Bikemore Inc from VA, 1511 Flemming Dr, Longmont, $138,000, home • Ronald & Zeina Gittlein from Wells Fargo Bank Southwest, 13175 E County Line Rd, Longmont, $328,800, home • Scott & Sharolyn Browder from Eugene R Brown Testamentary, 1540 Cushman Ct, Longmont, $231,900, home • Michael & Karen Tonks from Thomas Bennett, 13081 Woodridge Dr, Longmont, $975,000, home • Charles & Betty Bailey from Brandon Delozier, 32 Forsyth Dr, Longmont, $142,000, home • Michael & Martha Shernick from Marion Murphy, 345 Grant St, Longmont, $315,000, home • Donathon Palmer from Trans Western Management Group, 2333 Meadow St, Longmont, $144,900, home Berthoud • Debra Swanson from Ruth Martin, 720 Bruce Dr, Berthoud, $146,500, home • Charlie Rowley from Barry Eppler, 353 Indiana Ave, Berthoud, $189,900, home Dacono • Pleasant LLC from Fannie Mae, 400 Sterling Ln, Dacono, $68,300, home • Chantel Holderbaum from Fed Home Loan Mtg Corp, 1113

Sunrise Cir, Dacono, $139,900, home • Eric Fries from Fannie Mae, 503 Sundance Cir, Dacono, $113,000, home Erie • Derek & Melissa Allen from Fannie Mae, 2965 Hunt Ct, Erie, $335,000, home • Diane Brockman from Evelyn Castillo, 2800 Blue Sky Cir Unit 2-105, Erie, $119,900, condo • David & Ladawn Packard from Six Point Reh II LLC, 2000 Cedarwood Pl, Erie, $352,500, home • Bradley & Cathy Johnson from Remington Homes Co, 1736 Westin Cir, Erie, $376,500, home Firestone • David Bonday from US Bank, 10519 Falcon St, Firestone, $195,300, home Fort Lupton • Darrell Phillips from Morgan Stanley Loan Trust 2006, 13763 County Road 8, Fort Lupton, $68,000, home • Hand Inc from Lynda Stanek, 14459 County Road 181/2, Fort Lupton, $453,000, home • Lynda Stanek from Leah Strehlow, 11420 County Road 14 5, Fort Lupton, $380,000, home Lyons • Sandy Calvin from Patty Martillaro, 1740 Spring Gulch Rd, Lyons, $660,000, home Platteville • Jennifer Sanders from Fannie Mae, 471 Stevens Cir, Platteville, $97,100, home • Richard Borden from Rita Yeada, 16505 Essex Rd N, Platteville, $350,000, home Foreclosures – notice of election and demand • Borrower: Daniel & Susan Manson, Lender: GMAC Mortgage LLC, Amount: $211,067, Property: 852 Welch Ave, Berthoud, Filed: 11/03/10 • Borrower: Mountain Sky Group LLC, Lender: Liberty Savings Bank FSB, Amount: $308,000, Property: 1759 N County Road 23, Berthoud, Filed: 11/03/10 • Borrower: Lonnie & Cozan Latoski, Lender: Wells Fargo Bank NA, Amount: $80,104, Property: 1209 MacCormack Ct, Dacono, Filed: 10/28/10 • Borrower: William & Donna Dashiell, Lender: The Bank Of New York Mellon Trust Co, Amount: $220,407, Property: 3071 Meadowbrook Pl, Dacono, Filed: 10/28/10

• Borrower: T A Bragg, Lender: JPMorgan Chase Bank National Association, Amount: $902,736, Property: 11205 Isabelle Rd, Eire, Filed: 11/03/10 • Borrower: Claudia Harris, Lender: Citimortgage Inc, Amount: $254,871, Property: 1723 Holeman Dr, Erie, Filed: 11/01/10 • Borrower: Aaron Cardinale & Christina Sebock, Lender: PNC Bank National Association, Amount: $214,733, Property: 323 Tynan Dr, Erie, Filed: 11/03/10 • Borrower: Anthony Frischknecht, Lender: The Bank Of New York Mellon, Amount: $193,292, Property: 138 Bonanza Dr, Erie, Filed: 10/28/10 • Borrower: Chris & Clifford Van Patten, Lender: Colorado Housing And Finance, Amount: $161,755, Property: 1465 Blue Sky Cir 17-107, Erie, Filed: 10/29/10 • Borrower: Christopher & Lynette Fuller, Lender: Central Mortgage Company, Amount: $244,000, Property: 922 Petras St, Erie, Filed: 10/29/10 • Borrower: Sean McNamara, Lender: Wells Fargo Bank NA, Amount: $159,682, Property: 189 Montgomery Dr, Erie, Filed: 10/29/10 • Borrower: Stephen Cloyed & Susan Jordan, Lender: US Bank National Association, Amount: $67,004, Property: 5870 Sparrow Ave, Firestone, Filed: 10/28/10 • Borrower: Theron & Brenda Jackson, Lender: Flagstar Bank FSB, Amount: $261,756, Property: 5948 Thistle Ridge Ave, Firestone, Filed: 10/29/10 • Borrower: Scott & Debra Loptien, Lender: US Bank National Association, Amount: $235,167, Property: 6662 Sage Ave, Firestone, Filed: 11/02/10 • Borrower: John Coyle III, Lender: Wells Fargo Bank NA, Amount: $178,190, Property: 504 Beth Ave, Fort Lupton, Filed: 10/29/10 • Borrower: Jeffery & Sheryl Johnke, Lender: Everhome Mortgage Company, Amount: $213,932, Property: 4101 Falcon Dr, Fort Lupton, Filed: 11/02/10 • Borrower: Josef Geist Ii, Lender: Pennymac Loan Services LLC, Amount: $207,902, Property: 5393 Wolf Ct, Frederick, Filed: 10/28/10 • Borrower: Marx Properties Inc, Lender: Paragon Financial Investors LLC, Amount: $550,362, Property: 3762 Puritan Way, Frederick, Filed: 11/03/10 • Borrower: Laura Trusty,

Times-Call / Home & Real Estate Weekly

Lender: Chase Home Finance LLC, Amount: $182,320, Property: 1628 Harvard St, Longmont, Filed: 10/28/10 • Borrower: Dale Beaupre, Lender: US Bank National Association, Amount: $200,335, Property: 2185 Frontier St, Longmont, Filed: 10/29/10 • Borrower: Thomas & Karen Lopez, Lender: BAC Home Loans Servicing LP, Amount: $272,000, Property: 764 Brookside Dr, Longmont, Filed: 11/01/10 • Borrower: Laurence Kenyon, Lender: First National Bank Of Omaha, Amount: $781,475, Property: 5701 Prospect Rd, Longmont, Filed: 11/03/10 • Borrower: Robert R & Beth A Gaul, Lender: Citimortgage Inc, Amount: $207,709, Property: 2132 Gay St, Longmont, Filed: 11/01/10 • Borrower: Monrose & Monraaj Sahota, Lender: The Bank Of New York Mellon, Amount: $311,526, Property: 801 Allen Dr, Longmont, Filed: 11/01/10 • Borrower: Ronald Bauer, Lender: Chase Home Finance LLC, Amount: $110,403, Property: 512 E 16th Ave, Longmont, Filed: 11/01/10 • Borrower: Anthony & Catherine Najera, Lender: Deutsche Bank National Trust Company, Amount: $218,478, Property: 3102 Almeria Way, Longmont, Filed: 11/01/10 • Borrower: Michael & Suzanne Janssen, Lender: HSBC Mortgage Services Inc, Amount: $334,768, Property: 1758 Preston Dr, Longmont, Filed: 11/03/10 • Borrower: Scott Olson, Lender: Deutsche Bank National Trust Company, Amount: $263,174, Property: 1809 Signature Cir, Longmont, Filed: 11/03/10 • Borrower: Cynthia & Richard Ingram, Lender: The Bank Of New York Mellon, Amount: $131,392, Property: 420 3rd Ave, Longmont, Filed: 10/28/10 • Borrower: Simon Ryu, Lender: BAC Home Loans Servicing LP, Amount: $207,686, Property: 4969 County Road 24, Longmont, Filed: 11/02/10 • Borrower: Jose Chaparro, Lender: JPMorgan Chase Bank National Association, Amount: $584,055, Property: 15811 County Road 25, Platteville, Filed: 10/28/10 • Borrower: Donna Lhotak, Lender: BAC Home Loans Servicing LP, Amount: $268,157, Property: 407 N Garden Ct, Platteville, Filed: 10/29/10

• Borrower: Jonathan Korban, Lender: Chase Home Finance LLC, Amount: $143,465, Property: 501 Vivian St, Severance, Filed: 10/29/10 • Borrower: Terry Plummer, Lender: Deutsche Bank National Trust Company, Amount: $130,356, Property: 927 E 4th Ave, Longmont, Filed: 10/01/10 • Borrower: Timothy & Robyn Beber, Lender: Deutsche Bank National Trust Company, Amount: $297,230, Property: 4306 Bella Vista Dr, Longmont, Filed: 10/01/10 • Borrower: Carlos Saldana Mosqueda, Lender: Deutsche Bank Trust Company Americas, Amount: $199,600, Property: 1308 Garden Cir, Longmont, Filed: 10/04/10 • Borrower: Marius Timis, Lender: JPMorgan Chase Bank National Assoc, Amount: $180,633, Property: 166 Mount Massive Way, Longmont, Filed: 10/01/10 • Borrower: Gertrude & Mark Burnett, Lender: Aurora Loan Services LLC, Amount: $547,750, Property: 6730 Nelson Rd, Longmont, Filed: 10/01/10 • Borrower: Ofelia Luna Cuevas, Lender: American Home Mortgage Servicing Inc, Amount: $149,218, Property: 1127 17th Ave, Longmont, Filed: 10/01/10 • Borrower: Joann Culbertson, Lender: GMAC Mortgage LLC, Amount: $164,885, Property: 930 Gay St, Longmont, Filed: 10/06/10 • Borrower: Julie & Jack Kimmett, Lender: Wells Fargo Bank NA, Amount: $157,543, Property: 229 Sugarbin Ct, Longmont, Filed: 10/06/10 • Borrower: Linda Kahn, Lender: Suntrust Mortgage Inc, Amount: $143,445, Property: 1716 Gay St, Longmont, Filed: 10/01/10 • Borrower: Flora Robles, Lender: Bank Of America NA, Amount: $205,576, Property: 2060 Jck Pl, Longmont, Filed: 09/30/10 • Borrower: Jennifer Pollman, Lender: BAC Home Loans Servicing LP, Amount: $126,360, Property: 352 Collyer St, Longmont, Filed: 10/12/10 • Borrower: Ronald Gaitten, Lender: EMC Mortgage Corporation, Amount: $297,117, Property: 745 Tanager Cir, Longmont, Filed: 10/12/10

Times-Call / Home & Real Estate Weekly

November 13, 2010

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