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HOME April 3, 2010

Mortgage audit wonâ&#x20AC;&#x2122;t help loan modification

Create your own bird feeders

Basement makeover gets it ready for a party

& Real Estate Weekly

Times-Call / Home & Real Estate Weekly

April 3, 2010

Prepare the bed for wildflowers Site preparation is important for planting wildflowers and a little up-front effort can pay big dividends. Follow these steps: • Choose a sunny, well-drained location. Most wildflowers want six to eight hours of direct sunlight and few will tolerate “wet feet.” • Remove any sod and till to a depth of 1 or 2 inches. More will only bring additional weed seeds to the surface. • Weed control is crucial to get wildflowers off to a good start. Instead of using a strong, chemical pesticide to kill weeds, manage weeds naturally. Encourage weeds to grow with regular watering and then pull the weeds before sowing wildflowers, or use a low-toxicity herbicide. • Sow seeds according to directions – the maximum amount recommended will produce a dense patch, the minimum a more scattered look. • For easier sowing, mix seed with dry sand, which is more visible against the soil. Blend well, using a ratio of one part seed to one or two parts sand. • Good seed-to-soil contact encourages germination. A lawn roller is ideal, but stepping across the bed, compressing soil underfoot, will do the job. • No fertilizer is necessary, but the seedbed should be kept moist for about four weeks until seeds sprout. Then watering can taper off unless conditions are unusually dry.

Become wild about flowers Article Resource Association

At a time when “green” is the color of thoughtful lifestyles, gardening practices are going greener, too. Some gardens awash in the biggest, brightest, newest flowers are sadly without life, lacking the buzz of the bees, the fluttering of butterflies and the zip of hummingbirds. To make these creatures welcome, gardeners need to go a little wild themselves, setting aside their visions of gardens groomed and sprayed into submission. Gardeners need to re-imagine their gardens as an outdoor cafe, and build safe havens for birds, bees and butterflies. How? By setting the table with nectar and seeds that are on the menus of local wildlife. This spring, plan a patch of wildflowers and watch the garden come alive. Wildflowers and their dependents – insects and birds – work together in harmony with local climates. Naturally adapted to soil, sun and moisture conditions, wildflowers offer more than simple grace and unaffected charm. They represent an earthfriendly, attractive alternative, thriving

Kristi Ritter

without fertilizers, pesticides and constant irrigation. In nature, wildflowers mark the seasons with glorious bursts of color. Spring bluebells and columbines might give way to yarrows and rues, which in turn leave the

Specialty Publications Editor kkritter@times-call.com, 303-684-5275

Summer Stair

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

On the Cover With inspiration from Mexico, this basement is now ready for a party. See page 3. (SHNS/HGTV)

Nathalie Winch

Specialty Publications Assistant Editor nwinch@times-call.com, 303-684-5294

season’s last word to coneflowers and asters. The wildflower patch is typically an exuberant and everchanging continuous carpet of carefree blossoms. Since the look is more relaxed than that of formal garden beds, wildflowers can beautify areas that are difficult to maintain – hillsides, woodland edges, lake borders or that awkward strip between the driveway and the property line. While the aim is a casual, unstudied appearance, wildflower gardens do require some planning. One key is choosing a seed mix created for your region, taking into account the hardiness zone, elevation and typical soil, sun and moisture conditions. Once established, a wildflower garden requires little routine maintenance. A once-ayear mowing to 4 to 6 inches in late fall will keep tree seedlings from intruding and spread the season’s crop of seeds. Wild-flower-seed.com offers a variety of blends for nine areas of the country. The company also has specialty mixes specially designed to attract beneficial insects and butterflies.

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

The display advertising deadline is Tuesday at 3 p.m., and the classified line advertising deadline is Thursday at 3 p.m. – both the week of publication. For advertising information, call 720-494-5445.

April 3, 2010

Times-Call / Home & Real Estate Weekly

Spring cleaning made simple Left: After, with inspiration from Mexico, Eugenia and Maricela’s basement is now spiced up, spectacular and ready for a party. Below: Before, Eugenia and Maricela had a cold, bland basement that was being used for storage. (SHNS/HGTV)

Design diva takes boring basement to convivial cantina Eugenia and her daughter, Maricela, are the female half of a fun-loving Mexican-Canadian family. Maricela loves Mexican folk dancing and cooking traditional dishes with her mom, and when they entertain, it’s in the style of the parties back home, filled with music, food and dancing. Candice Olson HGTV They’ve had their hearts set on turning a room in their basement into party central – a perfect place for the fiestas they love – but when I met them, the room was unfinished and being used for storage. Eugenia and Maricela wanted a space with the energy, warmth and flavor of their favorite Mexican cantina – and they wanted it to reflect their heritage without an ounce of “cliche.” As soon as I heard “fiesta,” I knew I had to help them make it happen. To kick things off, I chose a superdurable porcelain tile for the floor that looks just like wide-plank hardwood. It not only looks great, it’s heated to keep

tired tootsies toasty when the dancing shoes come off. With all that dancing, guests are going to need refreshments, so we’ve created a satellite kitchen. Food prep will take place upstairs, but close to the action we now have a stylish and functional serving area with a funky entertainment sink and faucet, an under-cabinet microwave for reheating tasty treats and a sleek, black cook top that blends right in with the black-quartz countertop. A narrow paneled fridge column blends in with the cabinetry for a discreet presence, and there is ample storage for glasses and serving dishes. And highlighting this serving area is a cool, transparent globe light fixture. The big story throughout the whole space is color. I was inspired by the incredible colors of Mexican textiles, but I also wanted to add a contemporary flair. So in the clean, white kitchen area, a chili-pepper-red glass tile backsplash brings serious sizzle. On the opposite wall, rich red paint adds depth and makes the perfect backdrop for a vinyl graphic – funky feet for instructional dance steps. The brilliant colors continue with the fabrics. The true jumping-off point for the color palette was the accent fabric, a

new twist on a floral pattern in spicy red and guacamole green. The vibrant colors also make beautiful cushions for our huge sectional sofa. You see, when the dancing stops, family and friends can curl up on the rich, chocolate-brown sectional to relax, converse or watch TV. Across from the sofa, store-bought, ready-to-assemble cabinetry in espresso and fiery-red houses the TV and all the media gear as well as adding much-needed storage. Functional and fabulous, it makes a bold statement and ties in beautifully with the spicy red walls and backsplash tile. Often, tiny windows are common to basements. But there’s nothing common about our cantina. So to add a little more drama, I’ve covered the small window behind the sofa with a full, wall-sized, translucent blind. It gives the impression that the window is much larger than it is, and the washed linen adds a lovely finishing touch to the space. With inspiration from Mexico, we said “adios” to Eugenia and Maricela’s cold, bland basement. Now it’s spiced up, spectacular and ready for a party. How divine. Interior decorator Candice Olson is host of HGTV’s “Divine Design.” For more ideas, information and show times, visit www.HGTV.com or www.divinedesign.tv.

Follow our simple spring-cleaning checklist to get your home organized in no time. • Wash windows inside and out. Wipe down the sills. To clean window screens, rub them with kerosene on both sides, and then rinse with soap and water. Make sure to do this in a well-ventilated area, preferably outside. • To revive drab drapes, take them down, remove hooks and run them through an air-fluff cycle in the dryer with a damp towel (to attract the dust) for 15 minutes. Re-hang immediately. Wipe blinds with a damp cloth. • Dust your home thoroughly. Take everything off shelves, tabletops and dressers to dust. Now is also the time to get to all the places you’ve been neglecting throughout the year, including ceiling fans, above kitchen cabinets and baseboards and doorways. • Wash out trash cans. To really clean garbage cans, spray them with a hose and dump out the water. Next, spray the inside with a disinfectant spray, scrub with a handled brush and rinse. Leave them upside down to dry. • Move furniture away from walls and clean underneath. • Deep clean your flooring. Have your carpets professionally cleaned, and wax wooden floors. • Clean upholstered furniture. Vacuum pillows, as well as underneath the cushions. Look for stains, and clean according to the care label. • Warm weather means shutting down the heating system and turning on the air conditioning, so change all the filters. • Look for worn grout between floor tiles in the bathroom or kitchen. A small crack in the grout or caulk can lead to an expensive repair later. If necessary, re-seal as soon as possible. • Investigate all doors and windows for leaks and drafts, particularly near the corners. Look for peeling and chipping paint, which can signal water intrusion. Seal any open areas between the frame and the wall to keep out water, which can deteriorate building materials. – HGTV

Times-Call / Home & Real Estate Weekly

April 3, 2010

Refinancing a condo under new lending guidelines Metro Services

Welcoming neighborhood birds to the backyard can be a rewarding pastime. Homeowners can enjoy the color and the spectacle of nearby birds while learning about which native birds call the region home. There’s no need to purchase an expensive bird feeder to entice feathered friends to stop by. Homeowners can easily make a feeder from a host of common household supplies. This is a great craft project for children of any age under the supervision of an adult. Consider these ideas for getting started. • Rinse out an empty soda bottle, preferably a liter or 2-liter size. Punch holes on either side of the bottle and thread a twig all the way through. Make sure enough of the twig extends outward to serve as perches. Poke more holes for the birds to access seeds. Tie a string around the neck of the bottle and hang. • Use an empty aluminum pie tin to hold seeds. Punch holes in the perimeter to attach string. Punch small drainage holes in the center of the pie tin. Hang the feeder from a tree limb. • Find a large pinecone. Coat it with peanut butter and roll it in birdseed. Hang the pine cone for birds to enjoy. • Hummingbirds are amazing creatures to welcome to the neighborhood. They drink nectar as their primary source of nutrition. A hummingbird feeder can be made by boiling sugar with water to create a sugary syrup. Once cool, pour the syrup into an empty baby food jar or a small plastic bottle with a hole cut in the middle. Glue red faux flowers around to camouflage the container (hummingbirds prefer red flowers). Hang and watch the small aviators arrive.

• Some birds prefer suet, a mix of seeds and fats solidified into a block. Create a suet holder by using an old piece of wire mesh. Bend to form a pocket to hold the suet. Be sure to use gloves and needle-nose pliers to bend down any sharp edges of the wire so not to cut yourself or the birds. Use a string or wire hanger to hang the suet holder on a tree or fence. • Create bird “cookies” you can suspend in tree limbs by mixing 2 cups of biscuit mix with a few tablespoons of water to make a soft dough. Roll out the dough and use cookie cutters to cut cookies into desired shapes. Use a straw to punch a hole in each cookie. Melt 2 tablespoons of margarine and brush over the cookies. Sprinkle with sesame seeds and sunflower seeds. Bake at 425 degrees for 15 to 20 minutes, or until golden brown. Once cool, thread brightly colored ribbon through the cookies and hang for birds to enjoy.

Plant violas this season A burst of clear blue greets gardeners with Endurio Sky Blue Martien. This unique spreading/mounding viola may look delicate, but delivers tough-as-nails performance in the garden. In mild southern regions it flowers throughout the winter, laughing off wind, rain, cold temperatures and passing snowfalls. In northern temperate climates, it dazzles gardeners with two-season color – flowering well after first frost when planted in autumn and once again in spring after snow has melted and soil has warmed. It can also be planted in early spring, covering planters and landscapes with sky-blue blooms well into summer. Delicate 0.75-inch flowers cover plants in beautiful sky blue. Spreading/mounding plants grow to 6 inches tall and 10 to 12 inches wide, creating a bright spot in any garden. It is also perfectly suited to window boxes and hanging gardens, as well as balcony and patio planters. – Netherlands Flower Bulb Information Center

The approval process can be Q: I was reading your article about problems with refinancing a lengthy, but a mortgage lender that originates FHA loans should be able condo under the new lending to help your association obtain the guidelines. I am on the board of agency’s approval. directors of a condo association. I am wondering if you could help Q: I just made the last of three me figure out the specific lending trial modification payments. My guidelines of FHA, Freddie Mac loan servicer tells me it will take and Fannie Mae, particularly as 45 to 60 days before I they relate to insurknow if I am approved. ance and to cash reWhat should I do until serves. then? I don’t want to A: Before any borrowkeep paying and then er can get an FHA loan be told I’m not apto buy in a condo and proved. I don’t want to co-op building or comgive the lender a reason munity, the FHA must not to approve me. I approve the building or signed a document in community. Fannie Mae which I agreed to make and Freddie Mac also reIlyce Glink three trial payments. quire condominiums Tribune Media Services What is your advice? and co-ops to follow cerA: If you want the pertain guidelines before manent loan modification or even they green-light loans to prospective want to have a chance of getting the buyers. permanent loan modification, keep The rules for Fannie Mae and making your payments, and keep Freddie Mac can vary according to calling the lender – daily if you have the type of condominium building to. or the area in which it’s located. Some lenders are now requiring There are many variables. If a condohomeowners to make five to six minium building is located in an months of trial payments. But if you area where Fannie Mae and Freddie miss even one payment, you’ll get Mac deem real estate values to be debooted from the program and will clining, the guidelines may differ lose any chance of getting a permafrom a similar building in an area nent loan modification. with stable or increasing values. Your lender now needs time to If your building is in a declining verify all of your information – your area, Fannie Mae and Freddie Mac income, assets and so forth. The may require the condominium assoproblem is that many homeowners ciation to have greater reserves to won’t qualify for a loan modificaweather any real estate downturn. In tion. If you don’t think you’ll be apaddition, they may require the assoproved or you are pretty confident ciation to place at least 10 percent of that you will not be approved, then its annual budget into the reserve acyou can decide what your next move count for the association. should be. These are a few of the requireAlso, it may be helpful if you ments. For more information, visit write a letter to the executive team Fannie Mae’s or Freddie Mac’s Web of your lender, like the president or sites. There you’ll find information CEO, detailing your payments and relating to the review and approval asking if they can look into what the of condominiums. However, some of next step is for this loan modificathe information is written for people tion to be made permanent. who deal with these documents all You need to make sure your trial the time. You might find it useful to loan modification has not gotten lost get a mortgage lender or broker in the piles of paperwork that banks whom you know and are friendly have these days. Why not send a letwith to help you understand the ter to the bank and make sure that documentation. they are on track with your paperFHA rules are quite different, and work? you should talk to a lender in your Ilyce R. Glink’s latest book is “Buy, Close, area that specializes in FHA loans. Move In!” If you have questions, you can The agency might require condocall her radio show at 800-972-8255 any minium projects to be approved in Sunday, from 11 a.m. to 1 p.m. EST. advance before it will make any Contact Ilyce through her Web site at www.thinkglink.com. loans on those projects.

April 3, 2010

Times-Call / Home & Real Estate Weekly

Chair is a rococo reproduction

Front from left: Deb Sipfle, Claudia Archuleta, Diane Carnahan, Chris Freeman and Cher Matthews. Back from left: Steve Connett, James Plaster, Shelley Crews, Barb Bashor, Mark Sullivan, Pat Connett, Mike Dunn, Dave Wagner and Andria Allen. Not pictured: Jim and Linda Hess, Craig Cowley, Belinda Hanke and Tom Dunn. (Paul Litman)

By Helaine Fendelman and Joe Rosson Scripps Howard News Service

Dear Helaine and Joe: I have a chair that my father purchased from the Fairchild Mansion in Oneonta, N.Y. From the little I have learned, it is a walnut Louis XV-style piece that I hope is of the period because of the wealth of the family that originally owned it. What is its value? – J.C. Dear J.C.: Hope does indeed spring eternal, but unfortunately, when it comes to antiques, the spring often turns out to be sprung. There is no doubt this is a lovely, high-quality chair, and it is kind of, sort of in the rococo manner associated with King Louis XV of France. But we have serious doubts that it is “of the period.” Born in 1710, Louis XV reigned from 1715 to his death in 1774. In furniture, the Louis XV style is generally said to be “rococo,” which is derived from the French “rocaille,” meaning stone and “coquilles” meaning shell. Rococo in furniture is characterized by the use of the cabriole leg, an S-curve in which the upper portion curves outward (convex) and the lower curve curving inward (concave). The convex portion of a cabriole leg is called the “knee” and the concave portion the “ankle.” On the chair in today’s question, there are acanthus-type leaves on the cabriole legs, a number of scrolls with leaf tendrils and what could either be a flower or flower-shaped shell at the crest. We cannot see any of the construction details that would help us make a definitive judgment, but the shell/flower crest is, in our view, incorrectly made because it is not naturalistic enough to be recognizable as a specific and particular form. For insurance-replacement purposes, this circa-1925 chair should be valued in the $600 to $800 range.

ERA Tradewind Real Estate announces 2009 top producers ERA Tradewind Real Estate announced its top producers for 2009, which include Shelley Crews, Diane Carnahan, Barb Bashor, Andria Allen, Craig Cowley (not pictured), Belinda Hanke (not pictured, Chris Freeman, The Connett Team (Steve and Pat), The Dunn Team (Mike and Tom – not pictured), Mark Sullivan, Dave Wagner, Claudia Archuleta, The Hess Team (Jim and Linda – not pictured), Deb Sipfle and Cher Mathews.

Carnahan also won the ERA Preferred Choice Award, which is an agent that everyone respects and wants to emulate as a professional. “It’s great to work with such an outstanding team of professionals,” says James Plaster, owner/broker. “Their dedication to the real estate industry sets a wonderful example for us all.” For more information about any real estate needs and to reach any of the agents, call 303-772-9620.

Home sellers open their doors for open house weekend Realtors nationwide will be hosting open houses the weekend of April 10 and 11, during Realtor Nationwide Open House Weekend. Thousands of people who have listed their home for sale will open their doors for homebuyers to look around. These homes will be marked with blue Realtor balloons. Next weekend is a great oppor-

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 27540, Knoxville, TN 37927. E-mail them at treasures@knology.net.

tunity for consumers to shop for a new home while interest rates are still low, home prices are lower, a variety of home choices are available and the Expanded Homebuyer Federal Tax Credit and the First-time Homebuyer’s Federal Tax Credit are still available. Both must be contracted by April 30, 2010, for homes closing by June 30, 2010, to qualify.

The Longmont Association of Realtors has more than 400 members and affiliates who serve and volunteer both with the association and in the community. Not all individuals with a real estate license are Realtors, nor do they subscribe to the Realtors Code of Ethics. To learn more, stop by an open house with a Realtor balloon.

Happy Easter! 229 Sugarbin Court

Charming 2-story in popular Mill Village. Inviting front porch. 3 Beds, 3 Baths & 1894+/tot.sq.ft. Main flr w/spacious kitch. w/newer tile flr, lots of cntr space, smooth top elec. range/oven,bltin micro, newer dishwshr & disposer. Liv. rm w/ gas frplc & newer carpet, dining area w/newer hdwd flr. Mstr w/5 pc bath w/jetted tub, walkin closet & gas frplc. Oversized 2 car gar. Patio & Storage shed.

$154,500

Team

$230,000

9427 Memory Lane

Spectacular Lakefront Estate. Beautiful custom home on priv. 40+ acre private lake for swimming, fishing & boating. 4Beds, 7 Baths & 8457+/tot.sq.ft. Incredible Chef’s kitchen & expansive living spaces. Indoor & Outdoor entertain. areas w/lg. gamerm, 22X46 ft.inground pool, hot tub, sand volleyball pit, lg.patio, cov. boat dock, 318 ft. priv. beach & Exquisite Mtn Views. One of a kind property! $2,100,000

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The

726 Sunset Street

Charming W. Longmont Bungalow just a block from Sunset Golf Course, swimming pool & park! Nestled on its .14 acre lot this home feat. 2 beds, 1 bath & 946+/tot.sq.ft. This hm. has a BIG eatin kitch. cozy living rm, 2 bedrms (1 non-conforming) & a 3/4 bath on the main level. Bsmnt area has laundry hookups and stor. space. There is also an outdoor storage bldg. Must See! Great location!

Times-Call / Home & Real Estate Weekly

April 3, 2010

Hit list prepares homes for springtime By Ed Del Grande HGTVPro.com

It’s that time of year again when we start to enjoy the great outdoors in the newfound warm weather. However, we also need to give some extra TLC to our houses. Cold weather can take its toll on a house, plus there are some things we should do now in the spring to ensure that we’re ready for any big summer storms. Below is “Ed’s hit list” – a few spring things that we should take care of around the house. Please note that even if you live in a warm climate, many of these tips can be useful to you as well. • The big air-out – It’s not just an old tale. Most homes need a good airing-out on a dry spring day. I suggest turning on all exhaust fans in the bathrooms and kitchen, and opening a few windows, to help circulate as much air as possible. A day should do it, as long as you run all the fans. Also, now is the time to have your air-conditioning ducts professionally cleaned and all filters changed. • Critter control – Just as you’re ready to go outside, critters are making plans to move into your home, especially ants. I recommend that you use the ant “bait traps” over poisons. Most poisons will kill the ants on contact. A bait trap should allow the ants to ingest the bait and take it back to the nest, where it can kill off the colony. In my own home, I have found this method to work the best. • Drives and walks – The snowplowing and frost heaves of winter can do a num-

ber on driveways, walks and patios. Inspect for cracks and holes and use a quality “patching” concrete or driveway-crack sealer to make the repair. Repair the cracks as soon as the weather breaks, to head off the possibility of weeds and plants taking hold in the cracks and/or holes. Otherwise, your problems may grow. • Water control – Don’t forget that spring can be a wet time of year. Inspect to make sure sumps and sump pumps are in proper working order. Also, make sure your gutter downspouts drain at least 4 feet away from the foundation of your home to help prevent water from getting into your basement. Finally, if you live in the country, it’s a good time of year to have your well water tested and your sep-

tic tank pumped out. • Power things up – This is the time of year to look into installing a “hot trend” in homebuilding: a standby generator system. Standby generators run on natural or propane gas and are permanently installed in a home. They can provide your home with automatic backup electricity when power failures occur during storms or brownouts. In the winter months they can keep your heat going, and in the summer months they can even run your air conditioning. That’s literally a “cool” piece of equipment you can add to your home. Master Contractor/Plumber Ed Del Grande is known internationally as the author of the book “Ed Del Grande’s House Call” and for hosting TV shows on Scripps Networks and HGTVPro.com. For information visit eddelgrande.com or write eddelgrande@hgtvpro.com.

New rules prevent lead contamination Richard Lee, president of Mr. Handyman of the Western Main Line in Malvern, Pa., recently spent a day in class to be certified as a “lead renovator.” The reason, Lee says, is that beginning in April 2010, federal law will require contractors who “disturb lead-based paint in homes, child-care facilities and schools built before 1978 to be certified and follow specific work practices to prevent lead contamination.” A hazardous condition exists when lead-paint dust is present on a floor to the extent of 40 micrograms (one millionth of a gram) in a square-foot area. Another way of expressing it is if a square centimeter lead-based paint chip were ground into dust, it would (by EPA standards) contaminate 25 square feet of floor space. The feds require the “proper” containment and cleanup when 6 or more square feet of lead-based paint will be “disturbed” in a home, Lee says. The EPA suggests consumers ask to see certification before they sign the contract. Since the region has much pre-1978 construction, it is a big deal. Since December 2008, remodelers have been required by law to supply a brochure to customers outlining the dangers and rules. Fore more information, visit www.epa.gov/lead/pubs/renovation.htm – The Philadelphia Inquirer

Take steps now to keep aphids from posing big problems

Carol O’Meara Colorado State University Extension

After a season of quiet they lie in wait, and as the first shoots of spring unfurl, they emerge and attack. Though tiny, these creatures can cause big headaches, rolling up leaves and coating the plant in a sticky, sugary mess. Aphids are a nuisance, and once they settle on trees, controlling them can be a challenge. For those continually trying to wrest control of the garden back from these small insects, a change of strategy may help. Take steps now to eliminate most of the aphids while trees are still dormant. Eggs laid at the junction of bud and branch protect the young aphid on trees throughout winter, and as the tree breaks bud, the young hatch, moving to the soft young leaf to begin feeding. Teasing the leaf with a growth hormone in their saliva as aphids feed, many cause leaf curl on peaches, plums or ash. This curled foliage is perfect protection from many predators and only the smaller, wriggling beneficial insects can get

inside. Once curled, the leaf protects aphids from sprays also, so an important step early in the season is to attack aphid eggs on woody stems before bud break in the spring. Smothering sprays of horticultural oils may help reduce the numbers of hatching aphids, and reduce the damage they wreak on trees and shrubs. A few words of caution when applying dormant oils: Make certain the oil is labeled for use on the plant. Many woody plants are sensitive to oils and could be harmed, rather than helped. Apply oils during warmer, dry days of early spring – before bud break and not in freezing weather. Dormant oil is for use before active growth of the plant begins, not when shoots are growing. If applied too early, such as in the fall, plants may be prone to winter damage; those with chronic problems from aphids on their trees should mark their calendars for oiling up trees in spring. Some perennials and roses are

plagued by aphids as well, and spring cleanup can help keep these bugs down to a manageable level. On lupines and columbines, early removal of the old stems also moves over-wintering aphids from the area. Although mulch is a critical item to plant health throughout winter, cleanup of leaf litter on mulch in the spring, with fresh, clean mulch put down to replace it, reduces aphids. Aphids lay eggs at the junction of bud and cane on roses as they do on trees. Pruning and disposal of rose canes late in winter or early spring can remove these eggs. Planning Your Garden Novice vegetable gardeners looking for advice on planning and planting a garden should check out Vegetable Gardening for Beginners, May 1, 8 a.m. to noon, at the extension office in Longmont, 9595 Nelson Road. Offered by the Colorado Master Gardeners of Boulder County, this primer for growing food covers the basics of

choosing a location, preparing it, selection, troubleshooting and harvesting. $20 fee; pre-registration required. Call 303-678-6238 to sign up. Calling all Dahlia Lovers Dahlia lovers, rearrange your morning schedule to head out to the Colorado Dahlia Society’s spring tuber sale at Paulino’s Gardens, 6300 N. Broadway, Denver, today starting at 9 a.m. Several hundred varieties will be available including Dinner plate, Cactus, Pompom and Ball types. Society members will be on hand to answer questions and provide information on the proper growing techniques to insure a spectacular floral display this summer. Tubers are $3 each or two for $5. 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 303-6786238 or e-mailing comeara@co.boulder.co.us. For more gardening tips, check out her blog at gardeningafterfive.word press.com.

April 3, 2010

Times-Call / Home & Real Estate Weekly

Mortgage audit won’t help loan modification By Marilyn Bowden bankrate.com

Kitchens gadgets get hi-tech Article Resource Association

We turn to technology to make many aspects of our lives easier – from traveling with a GPS to staying connected with loved ones via social networking Web sites. It’s no surprise, then, that our kitchens, the most used room in the home, are becoming increasingly high tech. A study commissioned by a leading kitchen appliance manufacturer showed that a third of respondents spend three to four hours in the kitchen each day, and 20 percent spend five or more hours. The survey also showed that Americans are embracing technologies in this room, with nearly half of the respondents reporting they want a state-of-the-art kitchen. Responding to the demand for technology, manufacturers are offering new gadgets and products designed to make kitchen tasks easier, faster and more energy efficient.

• Touchscreen technology centers stationed in the kitchen allow users to access stored or online recipes and cooking tips. • Energy-efficient pots shorten cooking time and reduce energy usage by as much as 50 percent. • Water-powered garbage disposal units are operated by the water pressure in the kitchen and require zero electricity. • Automated pantry systems catalog contents and keep track of what ingredients are running low or need to be replenished. “The kitchen is the hub of the home, where we spend significant chunks of time preparing meals and participating in a host of other activities,” says Bob Rodenbeck, senior research and development director at Delta Faucet Co. “An often overlooked opportunity to incorporate technology lies in the faucet. On average, a family of four touches it 150 times a day – when cook-

Simplify your

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ing, cleaning the home, washing our hands or just getting a drink of water.” Delta’s intuitive, touch-activated kitchen faucet offers increased efficiency and helps save water. The Pilar pull-down kitchen faucet with Touch2O Technology can be turned on or off with a simple touch to the spout or handle. With this technology, you’ll no longer have to use messy hands to operate the faucet, and if your hands are full it’s easier to stop the flow of water in between tasks when it’s not needed. Another innovation that makes Delta pull-down kitchen faucets more convenient and user-friendly is MagnaTite docking, which uses a powerful magnet to keep the pulldown spray wand firmly in place for a cleaner look. Similar in functionality to magnetic closures found on totes and personal electronic cases, the spray head engages with little effort.

Most people facing foreclosure simply want to get reduced payments so they can afford to keep their homes. Mortgage audits, supporters contend, can help by uncovering mistakes or legal violations in loan documents, giving homeowners a bargaining chip in negotiations with lenders. Yet many others with experience in the field say that, in most cases, a mortgage audit is no bargain at all. “We find violations in 98 percent of the audits we perform,” says Sylvia Alayon, vice president of operations at the Consumer Mortgage Audit Center, a due-diligence and consulting company based in Fort Lauderdale, Fla. “The mere fact that we’re finding so many tells us that there were not a lot of standards in loan qualifications. People were put into loan programs they simply could not afford beyond the initial payments. If you could fog a mirror, you could get a loan.” Homeowners can then take their audits to an attorney or a consumer advocacy group, Alayon says, and “depending on the type of violation, there are remedies available to them. The audit serves as the negotiating tool in getting their loan modified.” Foreclosure, she points out, involves a lawsuit, “and that means going to court, which can become very expensive.” But consumer advocates say that people who pay for a mortgage audit will have to pursue any errors in court anyway – and few cases to date have been successful. “In my opinion, they’re a waste of money,” says Margot Saunders, an attorney with the National Consumer Law Center. “The ones I’ve seen are often wrong. “Second, even if they are correct, you need to hire an attorney who knows how to use them. Third, even if you’ve got a good claim, that doesn’t necessarily mean you’ll have a case. An audit of the numbers in a file omits the much more important story of what went on and why the consumer was wronged, if they were. They don’t tell the whole story, so they’re often unsuccessful.” In some instances, judges might deny foreclosure actions because the lenders are unable to produce the notes that prove legal ownership, says Barry Zigas, director of housing and credit policy at the Consumer Federation of America. A large portion of the loans now in trouble were securitized, he says, and shipped to a trustee to hold – “so when the judge asks the lender to produce the note, they don’t have it.” Another loophole be, according to Zigas, “if there were a deliberate attempt to qualify for more than the borrower could afford, and there’s no evidence that the borrower colluded.” But that would be extremely difficult to prove, and, he admits, “how often any of this is happening, I don’t know.”

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

Times-Call / Home & Real Estate Weekly

April 3, 2010

Green products can save money while saving the environment Metro Services

What could be “greener” than wood trim on your home? How about synthetic trim that resists termites, severe weather and rotting? These days, green products are defined more by their longevity on the home than their natural

origins. “The durability and long life span of many man-made products provide long-term savings for homeowners,” says Mark Clement, co-host of MyFixIt UpLife radio show. “There are DaVinci EcoBlend green roofing tiles guaranteed for

50 years that have been rated by the Cool Roof Rating Council to reflect sunlight and heat away from the home. Research shows that this type of roof will save homeowners between 7 and 15 percent annually on total cooling costs because the roof is actually helping reduce the temperature

fluctuations inside the home.” On his own home, Clement chose to match synthetic roofing tiles with energy efficient vinyl windows from Simonton Windows. The low maintenance Energy Star qualified windows have fusion welded vinyl frames that serve as a strong insulator.

According to the Vinyl Institute, vinyl products have no negative impact on indoor air quality and they’re often specified in green certified homes. The realistic-looking roofing tiles and attractive windows also add both beauty and comfort to the home.

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 #o

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APT/CONDO DIRECTORY

14-145217

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

$835$840

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

$675$795

$250

1, 2

1, 1¾

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

$805$1075

$125

1, 2

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

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

Yes

(65 lbs limit)

(& 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

Pets Neg.

Yes

$789$1239

$200

1, 2, 3

1, 2

(Short Term Avail.)

Yes

$1135$1500

Tanglewood Adult Rental Condominiums 100 21st Ave., Longmont, CO 80501 303-774-0300

Yes

1,2,3

1, 2

Yes

Some

Yes

N/A

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.

Yes

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

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

Yes

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

April 3, 2010

Call : 303-776-7440

FAX : 303-772-8339 Online : timescall.com Email : classifieds@times-call.com Deadline to place classifieds ad in Real Estate Liner Ads: Thursday 3pm Display Ads: Tuesday 3pm

Times-Call / Home & Real Estate Weekly

Monday-Friday - 8am to 5pm 350 Terry Street Longmont, CO 80501 Apartments, Condos & Townhouses, Duplexes, Houses, Commercial, Retail etc...

Local & Out of Town Real Estate, Farms, Ranches, Acreages etc...

We accept cash, checks &

Apartments/ Apartments/ Apartments/ Apartments/ Apartments/ Apartments/ Condos/ Unfurnished 4030 Unfurnished 4030 Unfurnished 4030 Unfurnished 4030 Unfurnished 4030 Unfurnished 4030 Townhouses 4050 0 APP FEE: SPRING SPECIAL! 1 bdrm $550 On-site pkng/laundry. A/C. Water & heat pd. Se Habla Espanol. (303)774-0593

Rentals

2 BDRM, 1.5 BA Twnhse, 1 BDRM @ $545 NW location $700 - $725, New carpet, A/C, coin 303-776-5416 lndry, heat/water paid. No smoke/pets, 303-775-7517 1 BDRM- off st pkng, heat & wtr pd. No smoke/ No pets. $500, 303-827-9904

2 BDRM, 1 BA, quiet, gar, coin-op W/D, A/C, D/W $700/mo (303)921-5678

Apartments/ Furnished 4010

1 & 2 BDRM Apt Homes 1 BDRM ON •2 BDRM ✭ $675 Fox Ridge Apts Premier COFFMAN Gated Community. Pets $525. On-site laundry, FREE Heat 1060 17th Ave, OK! For Info & Specials A/C, off-st pkng. N/S. Habla Espanol 720-327-8918 Avail now. (303)651-2881 Call (303)774-9944

1 & 2 BDRM DELUXE CORPORATE CONDOS, fully furnished. 303-588-0726

DACONO- Large 2 bdrm. $700/mo, incl sewer/wtr & trash. Lndry facilities avail. N/P. (970)420-1363

●1332 SUMNERGarden level, 2 bdrm, 1 bath, W/D hkups, close to schools & shopping, $675. RMG RE, (303)772-4466

● 1 BDRM- remod, N/S ● A/C, lndry, off st pkng ● $625-$675, 303-444-0501

1st FLOOR 1 bdrm apt 1 BDRM Main St Apt, Quiet area, lndry nr 23rd & 2 BDRM Trailer- by NAPA DW, coin-op lndry $600 inc Main. Sorry no pets, $550 S. Main St. N/P.ref. $500 wtr/ heat. 720-989-8384 1 BDRM APT avail after Top Realty, (303)931-6423 303-507-3457 5/1 in No Longmont. Senior housing, 62 or older or those w/ disabilites. Call 2 BDRM, 1000 SF, Avail ● 1 BDRM- short term. for our move-in specials. immed, $750/mo, $750/dep. Incl utils, TV, DSL, dishes. ● 619 Terry Pet OK(303)886-5039 (303)485-5232 No Smk/Pets. (303)570-0402 2nd floor, 1 bdrm, heat, wtr trash incl. $550 RMG RE, (303)772-4466 2 BDRM, 1.5 ba, $600/mo. BERTHOUD 1075 3rd St. NO lease, dep or credit chk A&G Property, 303-419-8552 Wkly/mnthly • 303-776-2185 ✭ BERTHOUD Downtown! • ALSO RV SITES AVAIL! 1 BDRM APT´s(2) 1 bdrm apts. 541 4th St. Starting at $450, some with $475 & $525 + utils. Move-in Specials! 303-931-1768 Call PMP, 303-776-RENT 1 BDRM, Coin-op lndry, off st pkng, pets ok $525. 303-431-0027 or 303-941-2158.

$760 17-145317

Excellent Move-In Specials Available!

303-684-6821

1100 East 17th Ave.

ROOMY & READY

1 Bedroom Loft Now $750 2400 17th Avenue, Longmont, Colorado 80503

303-772-4667

*www.victoriainnapts.com

♣1 Bedroom, 1 Bath Starting @ $626 ♣2 Bedroom, 2 Bath AS LOW AS $725 ♣3 Bedroom, 2 Bath AS LOW AS $774! ♣3 Bedroom Townhouses Starting at $866!

QUAIL VILLAGE 303-485-0065 321 Quail Roadacross from Longmont Rec Center •2 Bedroom, 2 Bath AS LOW AT $752 •3 Bedroom, 2 Bath Starting at $799! *LIMITED NUMBER AVAILABLE*

• Full Size Washer & Dryer Hookups • Close to Bus lines • Pets Welcome

LE DEAUVILLE APARTMENTS

14-145338

Rents starting at

• 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 $675! • Two bdr, 2 bath starting at $795!

630 Peck DriveLongmont West on Nelson/Airport Rd

**Income Guidelines May Apply**

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

APARTMENTS

Welcome Home! • Flexible Lease Options • Senior & Preferred Employer Discount • Free W/D in All Apts • Pet Friendly • Garages Available • Close to Shopping & Golf Course

Please call for details.

2 BDRM APT´s-

Starting at $550, some with Move-in Specials! Call PMP, 303-776-RENT

1 Bd From $565 2 Beds From $610 Great Location Large Units Park Like Setting Ample Parking A/C & Pool

14-145307

Apartments/ Unfurnished 4030

CLOVERBASIN VILLAGE 1-888-837-4912

303.772.3737

EASTGLEN APTS 630 Lashley, Longmont (303)682-2943 1, 2 & 3 BEDROOMS: SPRING SPECIALS Pool, air, laundry ✭Wtr, trash, sewer pd

LG 1 bdrm, NE Longmont, new decor, A/C, carport. $575/$575. 303-807-2925

2 BDRM, 1.75 bath, fin bsmt, 1300SF, 841 Crisman, $825. Alert RE 303-776-5156

NIWOT 1 BDRM Beauty 8060 Niwot Rd, starting at $625. Call PMP, 303-776-RENT.

2 BDRM, 1 ba, new carpet, No smk/pets. 225 E 8th Ave. $650/mo + $650/dep. App req´d. 303-678-8663

VALUE PLACE FIRESTONE Old Town Efficiency, storage, wood floors, 425 Terry, $490 1 BD´s, coin laundry, Your Choice, $460-$475 2 BD, 1 ba, cn lndry, 2X pkng, 2 Ash Ct #13, $575 2 BD, 1 ba, W/D hkup, 1106 17th Ave, FREE Flat TV, $595 2 BD, W/D hkp, new paint/carpet, wood flr, 1851 Emery #1, #2 $655 Alert Realty 303-776-5156

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

New Extented Stay Hotel

●ASK ABOUT OUR MONTHLY SPECIALS! ● $169 WEEKLY New building. Furn studios, full kitchens, free utils, no lease. ✓ Perfect for visiting friends & family! I-25 & Hwy 119, Longmont exit 240. 303-485-0040 *New guests only. Bring ad to qualify. *Expires 3/31/2010

Commercial/ Industrial 4040

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

WAREHOUSE/SHOP I-25 North, Exit 245, 50’ x 60’, 16’ ceiling, 2 OH doors, 3-phase elect. Rent nego. 303-546-6881

SM 1 bdrm trlr,222 S Main,Longmt.Refs, $375 303-507-3457

Condos/ Townhouses 4050

SMALL 2 bdrm, mobile 2415 Water Cress Court home in Erie, W/D, No pets. $585. 735 Kattell #108. 2 BDRM, Avail Immed. $1295. (303)440-8200 (303)722-3502, lve a msg.

Sunny lrg 2 BDRM, 1 ba, ● 2 BDRM, 1.5 ba, newly quiet, WD, A/C, balcony, remodeled, carport, patio. 1 Bedroom- $525! $795. 720-334-0695 strg! No pets. 2041 Meadow 2 Bedroom- $600! Dr. $725 303-443-4308 Secure bldg, swimming

Horizon Place

pool, A/C, on-site laundry. Call PMP, 303-776-RENT Lanyon Park Apartments 1 br/1 ba $545, 3 br/1.5 ba $695, range, refrig, D/W, laundry fac., near bus & stores. Call on-site mgr Dan 720-494-2955 or Mock 303-497-0668. www. mockpropertymanagement.com

Thistle Communities Longmont 1 Bdrm starting at $500 1 Bdrm w/ loft stng at $630 2 Bdrm starting at $645 $200 off at move-in on select units. No credit check. 15 3rd Ave 303-651-9496 Se habla Espanol.

2 BDRM, 1.5 BA Townhome Apt- NW Lgmnt, A/C, 2 car gar, Nice, clean, quiet Many Xtra´s! No Pets/Smk $900/mo. (303)618-5010 2 BDRM, 2.5 BA, 1668 sq ft, A/C, fplc, fam rm, study, all appls, W/D, patio, gar, off st pkng, pets nego, N/S, $1050/mo. 303-588-4182

SW Longmont TH- 2200 SF, 2 bdrm, main flr master, 2.5 ba, study, frpl, deck, $1400 (303)442-8693

TOWNHOMES FOR RENT • 1419 Red Mountain • 930 Buttonrock Call PMP, 303-776-RENT.

Duplexes

4060

0, 1 or 2 pets ok. Lg 3 bdrm, 2 ba, frplc, 1300 SF, fncd, culdesac, $850. 303-494-4115 0 App Fee-$100 off 1st 2 mos Lg 3 bdrm, 2 ba, gar, water pd. No dogs. 303-651-3216 253 BOWEN ST- walk-out bsmt, 2 bdrm/shower only, liv room, din room, W/D hkup. Heat/water pd. No pets. $675/mo/sec. Shelly or Bill (303)776-0684

2 BDRM, 1 bath, garage, 1232 Emery, $700 2 BDRM, 1 ba, gar, near park, 1358 Merl, $795 2 BDRM, 1.5 ba, gar, lg bdrm, 1844 Lincoln, $825 3 BDRM, 2 bath, garage, 328 Columbine, $845 3 BDRM, 1.75 bath, gar, 2000sf, 2224 Emery, $975 Alert Realty 303-776-5156

2BR Duplex. 1-1/2 baths W/D, A/C, garage w/ opener, fenced yard w/ sprinkler sys. Good credit and quiet lifestyle a must. No pets or smoking. 11 Martinez Pl. $725/mo for 1 person. $50/mo each add´l person, Max. 3 people Mike @ 303-588-8733 3 BDRM, 2 ba, garage, fenced backyard, new carpet, pets neg. $1150 month/$1200 sec dep. 2441 Scott Ct. Call John at BVRE, (303)591-1608

Times-Call / Home & Real Estate Weekly

Duplexes

4060 Houses

3 BDRM, 1.5 BA, fncd yd, 1 car gar, $810/mo. Sec dep $850.943 Atwood. 303-877-3687 3 BDRM, 2 BATH, Lg closets, nice! Hdwd flrs, 1 car gar. Old Town $975. Avail 3/29. (303)817-8776

April 3, 2010

4080 Mobile Homes/ Rooms Spaces 4090 For Rent 2 BDRM Trailer- by NAPA S. Main St. N/P.ref. $500 303-507-3457

3 BDRM, 1 bath, large yard, 739 Atwood, $875 3 BDRM, 1.75 ba, gar, wd flrs, 920 Gay, $950 3 BDRM, 1 bath, gar, wd flrs, 303 Sherman, $975 Alert Realty 303-776-5156

SM 1 bdrm trlr, by NAPA So Main St, Longmont. Refs, $375 303-507-3457

LONGMONT ESTATES Near lake, schools & prk, 3 bdrm, 1.75 ba, gar. Lg fncd yd & deck. $950 303-494-8562

Office Space 4100

Longmont 4130

5090 Lots & Tracts 5100 Rural

2 bdrm, 2 ba +loft, 1 car grg, fncd yd,pets neg. 2717 Denver Ave. $1000/mo. Call (303)775-8832

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

Real Estate

Retail Space 4135 773 SQ FT- busy shopping center, 1144 Francis St, $825. Alert RE (303)776-5156

Commercial Real Estate 5030

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

✭Owner Will Carry✭

To qualified buyer $250/MONTH3 bdrm, 2 ba, tri3 BDRM, 2 BA, clean, exc Great parking, quiet. level in better than area, fncd, 2 car, sprk sys. Ground level. Four Seasons new condition. $1095, N/S. 303-709-9380 Realty, (303)875-1345 Hot Tub! 3 BDRM, 2 bath, 1973 3 BDRM, 1 ba, 14´x70´ Call for details. big gar, lg fam & liv rm, nr W/attac room, needs some $219,000 hospital, 1409 SherriMar, HIGHLY VISIBLY work. U-haul. $3800. $1350. Alert RE 303-776-5156 Business/Professional Call (303)775-8717 3 BDRM, 2 ba, NW office space. Francis & Mtn Platteville, hdwd/carpet, View area. 5 rooms. INDOOR GARAGE & A/C. W/D hkup, bsmt, fncd 820 Sq Ft. (303)776-3150 Commercial Storage yd. No P/S. $1400. First 20x40, 20x50. Add a photo! Tree Property 303-772-5858 I-25 & Hwy-66. 970-535- 6074 50,000+ can Mountain Ave., Berthoud www.Longmont-storage.com see your stuff! Commercial/Retail $500/mo 970-532-2652. LET CLASSIFIEDS Spectacular Landscaping! 3 BDRM, 2 bath, Jacuzzi, WORK FOR YOU! 2413 Pennock Way, $259,900 large gar, frpl, Sec 8. Call 303-776-7440 4 bdrm, 3 ba, 2 car, frpl, OFFICE SPACE, 6 rooms Across from park, new A/C, sprk sys, wood floor. FORT LUPTON avail, $155-$325, great prkg, appl´s in Dacono. $900. Barnard Agency Realtors Need someone to take good utils pd. Lgmt (970)231-7871 3 BDRM, 2 BA on 1 acre, Sue Bridgeman 303-776-9438 1600sf RV gar, $1295 Call care of the house! Scott Sloane 303-349-5999 303-857-8777 720-480-2275 or 303-289-8799. OFFICE SPACE For Rent Holistic wellness center. (720)280-9047

Garages/Storage Spaces 4070

Rural Property

Houses

4140

4080

Income/ Investment 5070

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.

SUNNY OFFICE STUDIO 3 BEDROOM w/ priv bath, quiet on HOUSE BARGAINS! greenbelt, perfect retreat. • 1038 Venice Sharon 303-931-8529 • 1309 Hilltop Dr • 2261 Smith Dr • 801 Baker • 10694 Upper Ridge Rd Roommates Call TODAY! PMP, 303-776-RENT. Wanted 4120

CHARMING! 2 bdrm home in Old Town Erie with big garden, yd & W/D. $850/mo. N/S. (303)499-0679

● 108 E. 5TH AVE2 bdrm, 1 ba, hdwd flrs, fncd yard, off st pkng. $850 RMG RE, (303)772-4466

15-145231

✭ 2 BDRM, 1 BA, fncd yd, $875/mo pets nego, 435 Emery St , 303-931-6098.

$O Down! $8000 tax rebate! Do you qualify? Call Devin O´Branagan ERA Tradewind

303-775-0710

WAREHOUSE SALES, INC.

FEMALE- share TH $450 month to month rent 1/3 utils/dep. Refs. N/S/P. 303-579-9023 MATURE MALE 40+ share home all utils + w/d $425/mo. (303)833-6808 SHARE HM M/F $400/mo $200 dep. incl. util. Smk OK 303-875-4739 or 303-776-6677

5090

0% FINANCING! 4 BDRM, corner lot, fin bsmt & more: www. longmonthome.webs.com

Real Estate

Open House Sat. 1-3

2 ROOMS AVAIL in a 3 bdrm, 2 bath home in Longmont. $400-$450/month incl utils. No smokers, pets nego. 303-956-0326

ALL YOU NEED! Furn bdrm, W/D, utils pd. Male 40+ N/S. $475. 303-833-0841

Own a home for

Longmont

1108 N. 3rd St. • Johnstown • $250,000

Priced to sell! 5 bedrooms and 3 bathrooms with a finished walk-out basement! Fresh exterior paint, new carpet set this home apart from the others. The open floor plan boast a large eat-in kitchen, fabulous great room and plenty of room for entertaining. The backyard landscaping is complete, there is a large patio for BBQ and gatherings. RV parking allowed too. Swing by and take a look; you will want to stay. Hosted By Kendra Adams, Broker Associate, RE/MAX Alliance • 970-388-0456 • KendraAdams.com

Longmont

5090 Longmont

5090

160 FLORA COURT, FREDERICK Move right into this ranch home on a good sized corner lot. Squeaky clean with fresh paint and new carpet. 3 spacious bedrooms, 2 baths, and an East facing deck. $139,500

Visit our Showroom today.

• FREE Estimates • Cabinetry • Counter Tops • Experienced Designers • Installation Available 1575 Marshall Rd., BOULDER | 303-499-5811 Fax 303-499-5809 Showroom Open Tues.-Sat. 9am-4pm or call for appointment | www.warehousesalesinc.com

Mobile/ 5130 Manufactured Homes/Spaces • ADULT PARK 3 bedroom $13,900 • (303)946-0865 FINALLY a HOUSING alternative that is truly affordable! Brand new 3 bdrm mfg home w/all applc´s. Own it outright in 8 years w/only $2,000 down & ONLY $725/per month. Ask about our completely furnished options. Call (303)772-3240 NOW! Mobile Home Sale/Rent Platteville MH, 2 bdrm, 1 ba, new flooring. lot rent $377. Owner fin, low down, bad credit OK. 970-215-1819

Lots & Tracts 5100 Real Estate 5170 2 ACRE LOT, Berthoud Wanted

1031 EXC prop in COLO Tenats=Vision Wks, Cold Stone Cmr/Fantastic Sams area, $30K price reduction, 5yr leases- I-25, $1.9K $139,000. Call Steve Conder 970-225-4043 CC/PRMR for details, 303-514-3706.

14-145444

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.”

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

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

1 of a kind. Irrigated & Elevated Farm w/ Abundant Spring & Water Rights, stream, ponds, Spec Views of Pikes Peak & Longs, homestead house & barn on quiet 38 acres near Hygiene. $1.8 mil. 303-885-3469

Homebuyers are SOLD on the

Classifieds

Sell Your House Fast! Quick Sale - Fair Price 720-962-4688

SELF-SERVE CLASSIFIEDS ON YOUR SCHEDULE!

2179 STEELE ST.

Move right into this ranch home, a new makeover from head to toe has already been done. New carpet, vinyl, paint inside and out, and some appliances. Attached bonus room with skylights and huge, oversized lot. Hurry to see the additional incentives $159,900. 14-145323

EQUAL HOUSING OPPORTUNITY

3 BDRM, 3 ba, 3 car garage Nice house, vaulted ceiling, skylights, A/C, fridge, W/D. $1390, 303-834-9258

LAST 2 LOTS! Mill Village, Longmont Ready to Build! $53,000/ea. 970-367-5130

LONGMONT REALTY

303-772-7576

6629 Terry St., Longmont

www.longmont-realty.com www ww w.llong longmon

5180

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Longmont • Edward & Karlynn Spreder from Myra Aronson, 815 Snowberry St, Longmont, $248,000, home • Matthew Hilgers from Mary Bertrand, 810 Timothy Dr, Longmont, $245,000, home • Tricostal LLC from Fannie Mae, 225 E 1st Ave, Longmont, $36,500, home • Randy & Alicia Nelsen from Robert Hummer, 573 Mount Evans St, Longmont, $185,000, home • Celia & Jose Cabrera from Charles McKinney, 131 Empson Dr, Longmont, $165,500, home • William & Catherine Tsch from Edward Spreder, 4127 Hawthorne Pl, Longmont, $445,000, home • Nicole & Pamela Helmstetter from Julie Stevens, 1571 Cedarwood Dr, Longmont, $243,000, home • Sirono & Kathy Herrmann from Barbara Miller Revocable Trust, 1012 Sonoma Cir Unit B, Longmont, $190,000, condo • Celia Green from Elvera Archuletta, 1333 Charles Dr Unit 3, Longmont, $280,000, condo • Joseph & Louise Gee from Todd Baer, 2032 Alpine St, Longmont, $360,000, home • Steven Lim from David Burnett, 706 Ridge Creek Ct, Longmont, $365,000, home • Jes LLC from Colorado Oaks LLC, 2473 Santa Fe Dr Unit A, Longmont, $305,100, condo • Bert & Alexandra Downing from Daniel Cooper, 2112 Redfield Cir, Longmont, $254,000, home • John & Jeanne Heineman from Colette Dervan, 1035 Neon Forest Cir, Longmont, $515,000, home • Susan Bawn from John Dilday, 930 Button Rock Dr Unit C18, Longmont, $154,000, condo • Shadow LLC from Eastgate Development LLC, 1359 Armstrong Dr, Longmont, $60,000, home • Sara Smith from Ann Evans, 5845 Park Lane Rd, Longmont, $359,900, home • Jann Ertl from Federal Home Loan Mortgage, 355 Sunnyside Ln, Longmont, $50,500, home • Timothy & Carolee Preston from Mario Ficco & Lou Joseph, 111 Marshall Pl, Longmont, $135,500, home • Eduardo Morales from Jerry Loper, 1340 S Sherman St, Long-

April 3, 2010

mont, $185,000, home • O Co from Donald Orban, 650 2nd Ave, Longmont, $190,000, home • David Olson from Rali, 6724 McDall Dr, Longmont, $175,000, home • Aaron Gesieki from Carolyn Storz, 4530 Lucca Dr, Longmont, $270,000, home • Christopher & Karen Padwick from Jerry Tipton, 4560 Palmer Ct, Longmont, $530,000, home • Robert Mitchell from Glen True, 1263 Milner Ln, Longmont, $197,000, home • Peter Heilig from Vera Properties LLC, 719 Hilltop St, Longmont, $160,000, home • Frederick Day from Raymond Wright, 2342 Billings Ln, Longmont, $232,000, home Allenspark • Thomas & Emanuela Dearagonaise from Linda Pickus, 48 Arrowood Dr, Allenspark, $90,000, home Berthoud • Van & Falo Booth from Celia Green, 307 Columbine Cir, Berthoud, $242,500, home • Melissa Morin from Thomas Ainsworth, 4908 Glen Dr, Berthoud, $337,500, home • Gregory & Jan Loeffler from GMAC Mortgage LLC, 324 Lakritz Ave, Berthoud, $95,000, home Erie • William & Elizabeth Stevens from David Bellomo & Holly Wagstaf, 2440 Reserve St, Erie, $495,000, home • Aaron & Jaclyn Kirsch from Bank New York Mellon, 1483 Serene Dr, Erie, $367,000, home • Christopher Marsh from Colorado Homestead Co Inc, 1268 Brennan Ct, Erie, $575,000, home • Cheryl Devito from Linda Ibarra, 2647 Betts Cir, Erie, $311,500, home • Raquel Carvalho from Wayne Bennett, 1200 N Egrew Ct, Erie, $281,500, home • Micah & Danette Miller from Louise & Tomas Heung, 1586 Meachum Way, Erie, $237,000, home • Stephen & Lisa Loram from Richmond American Homes Colo, 721 Graham Cir, Erie, $256,500, home Firestone • Andrew & Michelle Eaton from George Jameson, 6529 Silverleaf Ct, Firestone, $232,000, home • Ingrid & Ernest Callard from

Fed Home Loan Mtg Corp, 11325 Columbine St, Firestone, $210,000, home • Melvin Dowdy from Matthew Schultz, 5809 Silverleaf Ave, Firestone, $219,000, home Fort Lupton • Enrique Faudoa from Soundview Home Loan Trust 2006, 436 Pacific Ave, Fort Lupton, $66,500, home • David & Judy Lohnes from Ramp, 16103 Weld County Road 6, Fort Lupton, $160,000, home • Stephen Reynolds from Michael Cardillo, 3867 County Road 19, Fort Lupton, $522,500, home • Leslie Smith from Stefan Oliver, 902 Elm Ct, Fort Lupton, $149,000, home • Margaret Trust from Preimer Members Fed Credit Union, 15724 Mary Ave, Fort Lupton, $118,400, home • Frank & Maija Vitek from George Hubbard, 1957 Trail Blazer Rd, Fort Lupton, $299,000, home Lyons • Deanna Williams from Eric Olden Trust, 1606 County Road 37E, Lyons, $412,000, home • Oskar Atkinson from Jeffery Reps, 231 Gray Mountain Dr, Lyons, $284,000, home • Alan & Anita Teague from Carrie Kass, 350 Hickory Dr, Lyons, $196,500, home Foreclosures – notice of election and demand • Borrower: Susan London, Lender: HSBC Bank USA National Association, Amount: $177,554, Property: 302 3rd St, Dacono, Filed: 03/19/10 • Borrower: Luis Marquez, Lender: BAC Home Loans Servicing LP, Amount: $125,600, Property: 1112 Glen Dale Cir, Dacono, Filed: 03/19/10 • Borrower: Raymond & Theresa Montez, Lender: Rahi Real Estate Holdings LLC, Amount: $89,036, Property: 844 Glen Barr St, Dacono, Filed: 03/23/10 • Borrower: L & T Properties Inc, Lender: Wells Fargo Bank NA, Amount: $280,000, Property: 659 Mathews Cir, Erie, Filed: 03/22/10 • Borrower: Tara Palmer, Lender: HSBC Bank USA National Association, Amount: $148,576, Property: 2875 Blue Sky Cir 4103, Erie, Filed: 03/18/10 • Borrower: Robert & Dana Van Der Hoeven, Lender: US Bank National Association, Amount: $368,000, Property: 6934 Saddle-

Times-Call / Home & Real Estate Weekly

back Ave, Firestone, Filed: 03/23/10 • Borrower: Andrew McKay, Lender: Suntrust Mortgage Inc, Amount: $287,814, Property: 5968 Stagecoach Ave, Firestone, Filed: 03/24/10 • Borrower: Manuel Adame, Lender: HSBC Bank USA National Association, Amount: $106,596, Property: 1114 Pacific Way, Fort Lupton, Filed: 03/18/10 • Borrower: Daniel Luke, Lender: Deutsche Bank National Trust Company, Amount: $171,998, Property: 311 Clubhouse Dr, Fort Lupton, Filed: 03/22/10 • Borrower: John Vindiola, Lender: Branch Banking And Trust Company, Amount: $136,098, Property: 894 S Denver Ave, Fort Lupton, Filed: 03/23/10 • Borrower: Manuel & Maria Orona, Lender: Wells Fargo Bank NA, Amount: $146,382, Property: 1610 Wagonwheel Dr, Fort Lupton, Filed: 03/23/10 • Borrower: Mark Zen & Melody Miller, Lender: Wells Fargo Bank NA, Amount: $170,247, Property: 1012 Shortline Dr, Fort Lupton, Filed: 03/24/10 • Borrower: Roberto Macias, Lender: Wells Fargo Bank NA, Amount: $197,156, Property: 9883 County Road 23, Fort Lupton, Filed: 03/19/10 • Borrower: Simon & Holly Holmes, Lender: The Bank Of New York Mellon Trust Co, Amount: $251,625, Property: 5486 Eldorado Dr, Frederick, Filed: 03/18/10 • Borrower: Michele & Michael Anderson, Lender: Chase Home Finance LLC, Amount: $368,324, Property: 807 Tempted Ways Dr, Longmont, Filed: 03/19/10 • Borrower: Jose & Francisca Rodriguez, Lender: Midfirst Bank, Amount: $211,404, Property: 2127 Wright Ct, Longmont, Filed: 03/19/10 • Borrower: Dean Godejohn, Lender: Chase Home Finance LLC, Amount: $148,242, Property: 837 Independence Dr, Longmont, Filed: 03/22/10 • Borrower: Roger Pearson, Lender: Bank Of America National Association, Amount: $330,993, Property: 9938 Plateau

Rd A, Longmont, Filed: 03/22/10 • Borrower: Tammy Hutsell, Lender: Flagstar Bank FSB, Amount: $159,628, Property: 308 Sugarbin Ct, Longmont, Filed: 03/22/10 • Borrower: Scot Stringer, Lender: Deutsche Bank National Trust Company, Amount: $144,323, Property: 726 8th Ave, Longmont, Filed: 03/23/10 • Borrower: Michael Connolly, Lender: Wells Fargo Bank National Association, Amount: $186,149, Property: 1333 S Bowen St, Longmont, Filed: 03/19/10 • Borrower: Michael Connolly, Lender: Wells Fargo Bank National Association, Amount: $283,123, Property: 429 Sierra Ave, Longmont, Filed: 03/19/10 • Borrower: David & Jamie Estell, Lender: BAC Home Loans Servicing LP, Amount: $177,744, Property: 108 Plowshare Ln, Platteville, Filed: 03/19/10 • Borrower: Ranulfo Arias-Lujan, Lender: Chase Home Finance LLC, Amount: $199,362, Property: 1563 Caroline Ave, Wattenburg, Filed: 03/18/10 • Borrower: Mario Medellin, Lender: Citimortgage Inc, Amount: $154,322, Property: 1204 Meadow St, Longmont, Filed: 03/03/10 • Borrower: Joseph Sommers, Lender: The Bank Of New York Mellon, Amount: $123,816, Property: 620 Baker St, Longmont, Filed: 03/03/10 • Borrower: Mary Gonzales, Lender: First Bank Mortgage, Amount: $71,489, Property: 3370 Black Hls 393, Longmont, Filed: 03/01/10 • Borrower: Pinewood Springs LLC, Lender: Citimortgage Inc, Amount: $267,392, Property: 78 Nez Perces Ct, Lyons, Filed: 02/25/10 • Borrower: Juan & Linda Quiroz, Lender: Citimortgage Inc, Amount: $337,220, Property: 16491 Fairbanks Dr S, Platteville, Filed: 03/01/10 • Borrower: Leticia Montoya, Lender: Chase Home Finance LLC, Amount: $55,853, Property: 410 Marion St, Platteville, Filed: 03/01/10

Look for your new home at www.YourFrontRangeHome.com

Times-Call / Home & Real Estate Weekly

April 3, 2010

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