Home and Real Estate Weekly

HOME & RealEstateWeekly

December 11, 2010

Longmont Times-Call www.HomeandRealEstateWeekly.com

Give yourgardenerknowledge

Trimming the

TREEAAApppppprrraaaiiisssaaalll WWWoooeeesssNot wise to orderyour own appraisalbefore refinance

2 Times-Call / Home & Real Estate Weekly December 11, 2010

News and Press ReleasesHome & Real Estate Weekly welcomes news

on hirings, advancements, awards, classes andother information of interest to the real estate andhome community. Please submit information tothe editor by e-mail, fax 303-774-8088 or mail to350 Terry St., Longmont, CO 80501. The dead-line is Monday at 5 p.m. the week of publication.

Specialty Publications [email protected], 303-684-5275

Specialty Publications Associate [email protected], 720-494-5429

On the CoverHoliday traditions include trimming the tree with all of your favorite ornaments. See story above. (Thinkstock)

Kristi Ritter

Summer Stair

AdvertisingThe display advertising deadlineis Tuesday at 3 p.m., and theclassified line advertising deadlineis Thursday at 3 p.m. – boththe week of publication. Foradvertising information, call720-494-5445.

O ChristmasTree!

By Mary Carol GarrityScripps Howard News Service

One of my favorite traditionsduring the holidays is to learnabout other people’s holiday tra-ditions. I enjoy hearing abouttheir childhood memories andhow they have woven their holi-day heritage into their own obser-vances as adults. As I listen to thetales of Christmases past and pre-sent, I am always amazed by howmany memories and traditions re-volve around the Christmas tree.This special symbol is near anddear to our hearts and the star ofthe show when it comes to holi-day decorating. This year, re-imagine your tree, blending oldtraditions with new ideas, tomake it a fresh and glorious trib-ute to your family and your home.Here are a few tips to get youstarted.I swore off traditional Christ-

mas-tree stands the year my treetoppled over onto my dining-room table – right in the middleof a dinner party. I needed a standthat could handle the weight of amillion ornaments with grace andbeauty. So now I always place mytree in a sturdy iron garden urn.Get creative and look about

your home for unusual containersthat will display your tree in style.How about a large and lovelyblue-and-white Asian cachepot? Afriend of mine placed her tabletoptree in a bright red metal icebucket emblazoned with an oldEnglish family crest.For a truly unusual presenta-

tion, get an evergreen tree sapling,

take it out of the pot and rinse thesoil off the roots. Then insert thetiny tree in a large glass vase, dis-playing it much as you wouldfresh flowers.If you opt for a traditional tree

stand, try covering it with some-thing besides a tree skirt. Table-cloths are a wonderful option be-cause they are easy to launder andthey frame the tree in soft, luxuri-ous folds of fabric.Before you hang one ball on

your tree, start with great lighting.In my opinion, the more sparkleand shine the better, so I load upmy tree with a lot of wattage. Planto use 100 lights for each foot ofyour tree’s height and make surethe strands of lights are evenlydistributed top to bottom. If youwant your tree to be even moreradiant, you can even run lightsup and down the trunk. Anothergreat solution if you’re short ontime is to purchase a pre-lit tree.Before you start hanging

baubles, think about what youwant your finished tree to looklike and communicate to yourguests. One approach is to makeyour Christmas tree a testamentto you and your family, filled withornaments that show guests whatyou hold dear. Festoon it with or-naments passed down throughthe years, framed family photos ora few small heirlooms hung fromribbons. A friend spiced up herChristmas tree with sprigs ofbroom corn harvested from hergrandparents’ farm. She and herchildren picked the corn, dried it,misted it with spray paint andtucked it in the branches of her

tree.Or, maybe your tree could

showcase some of your favoritecollectibles, like old postcards orcream pitchers. You could also fillyour tree with ornaments you’vebrought back from favorite vaca-tions. Let your imagination goand see what you come up with.Another fun approach is to do a

thematic tree that revolves arounda color palette or a particular sub-ject. In the past, I’ve decorated mytrees with a nod to nature, cover-ing them with huge pineconesand encircling them in honey-suckle vines. For a more opulentlook, you could jazz up your treewith gold, silver and crystal orna-ments. Or create a tree that’s dra-matic in its sheer simplicity. Pickone special ornament style or col-or and use it exclusively on yourtree. A friend created a stunninglook simply by hanging smallplate ornaments, which featuredvintage drawings of evergreens,all over her tree.If you have little ones in your

home, consider decorating a treejust for them, full of whimsicalornaments or ornaments theymade themselves. Several of myfriends decorate artificial tabletoptrees to put in their kids’ bed-rooms, where they serve as festivenightlights.If possible, it’s best to start with

a beautifully shaped and spacedartificial or natural tree. But ifyour tree isn’t perfect, no prob-lem. We’ve taken some ugly duck-lings and made them into beauti-ful swans at Nell Hill’s. The key totransforming a mediocre tree into

a showstopper is to supplementthe branches with a number ofpicks. Your picks can be plain ev-ergreen boughs; sprigs that sportberries or pinecones; or metallicsprays that will bring somesparkle and snap. Insert the picksthroughout the tree to fill in thebranches and add more color, tex-ture and interest.

When the tree is to yourliking, it’s time to adorn. Gail, avisual artist at Nell Hill’s, recom-mends starting at the top, thenworking your way down. Hangthe ornaments in diagonal linesthat encircle the tree, top to bot-tom, to keep the eye flowingdown and around. Start the pro-cess with your largest ornaments,burying some deep within thebranches of the tree to give itmore depth.

Gail likes to add strands of gar-land next, before she hangs themedium and small ornaments, soshe can fill in any big holes.When the garland is to her liking,she hangs the medium-sized or-naments, placing them midwayinside the branches, following thetop-to-bottom diagonal line start-ing with the largest ornaments.

At Nell Hill’s Atchison thisyear, we decorated our tree usingthis year’s hottest holiday look:metallics. This year, platinum,soft gold, copper and silver arebig, big, big.

The column has been adapted fromMary Carol Garrity’s blog at www.nellhills.com. She can be reached [email protected].

Embark on holiday traditions this season

Look for unusual containers tocreatively display your tree.(SHNS/Bob Greenspan)

December 11, 2010 Times-Call / Home & Real Estate Weekly 3

Author’s note trumps all elseBy Helaine Fendelman and JoeRossonScripps Howard News Service

Dear Helaine and Joe: A few yearsago, I went to a book sale at a libraryin a small Oklahoma town, and theitems were priced at 25 and 50 centseach. I found “The Robe” by Lloyd C.Douglas and bought it because it isone of my favorite books.I started to read it a few weeks lat-

er and discovered an inscriptionsigned “Lloyd.” It reads: “Here is thenew book. I hope you will like it in itspresent costume as you did when itwas still in script. Thank you, sweetgirl, for all the loyal interest you haveshown in The Robe.”The spine is off, but the book is in

fair shape otherwise. What is its val-ue? – J.P.

Dear J.P.: Collecting can be all aboutthe hunt for a rare find, a great bargainor both. Sometimes when we purchasesomething, we get an unlooked-for sur-prise – either pleasant or unpleasant. Inthis case, an entirely agreeable revelationprovided an interesting link to J.P.’s fa-vorite author.Lloyd Cassel Douglas entered the

world in Columbia City, Ind., on Aug.27, 1877. His father was a pastor, and af-ter getting his A.M. degree from Witten-berg College (now Wittenberg Universi-ty), the younger Douglas was ordainedas a Lutheran minister.He began writing novels, and his first

book, “Magnificent Obsession,” found apublisher in 1929. His work pursuedmoral and religious themes, and criticsof the day linked him with the authors of“Ben-Hur” (Lew Wallace) and “Quo

Vadis” (Henryk Sienkiewicz).Douglas is also known for “Doctor

Hudson’s Secret Journal” and “The BigFisherman,” but his best-known work is“The Robe.” First published in 1942,“The Robe” initially sold more than 2million copies. It became a movie star-ring Richard Burton in 1953 – two yearsafter Douglas’ death on Feb. 13, 1951.It is a pity that J.P. did not send us a

copy of the book’s title page, becausewithout that information, there is noway to tell whether it is a first edition.Normally, this would be an importantpiece of information, but in this particu-lar case, the author’s rather long hand-written note – and yes, that is his signa-ture – overshadows this lack of data.Even if it were a first edition, its value

would be rather modest because of thepoor condition. But then there is the au-thor’s note. We may never identify the“sweet girl,” but she was someone whohad seen the manuscript before its publi-cation and had given Douglas her input.For insurance purposes, we feel this

book should be valued in the $200 to$300 range.

Do not order your ownappraisal before refinanceQ: We’ve been waiting to refinance

because we felt like mortgage interestrates would go lower. But now it lookslike interest rates have bottomed outand so we’ve decided to move ahead.But at the same time, the value of

our neighborhood appears to be falling.With local home values having fallen sodramatically, it seems likewe’re right on the border-line of having 20 percent inequity. In fact, the amountwe owe on our mortgagemight be more than 80 per-cent of the home’s value. It’sborderline.Do we risk paying $400 or

so for an appraisal thatmight show us we can’t refi-nance?Also, everything I read

says not to refinance ifyou’re going to move within five years.We might move within five years. Infact, we talk about moving all the time.But one quote I got from a mortgagebroker showed us that even withrolling the closing costs into a new 25-year loan, we’d still come out with alower monthly payment than what wehave now.So does that conventional wisdom

still apply? Is there something I’m miss-ing or should we just go ahead and refi-nance even if we move in a year?Finally, where is the best place to

shop for loans? Should we go with amortgage broker or call around? I’mgetting nowhere with our current bigbox lender.A: You’ve asked some excellent ques-

tions that I am sure many of your fellowhomeowners are thinking about, as well.Let’s start at the top.While interest rates appear to have bot-

tomed out, they could stay at these near-historic low levels for quite some time. It’smy feeling that when 30-year fixed-ratemortgages are available at 4.5 percent orless, it’s a sign of how weak our nationaland world economies are.But you’re facing an even bigger prob-

lem, which is falling home values. The lat-est figures seem to show that home valuesare again declining after rising slightly thissummer. If you’re barely at 20 percent eq-uity in your property today, depending onwhere you live, it’s possible that your

home equity will shrink further before youcan close on your refinance.That brings up another issue: If you

don’t have at least 20 percent equity inyour home, you’ll have to pay a higherinterest rate for your loan or pay for pri-vate mortgage insurance (PMI), which isexpensive these days, and that additional

cost could easily wipe out anysavings you would garner fromrefinancing.Should you pay $400 for an

appraisal? Probably not.You’re better off starting the

refinance process and havingthe lender order the appraisal.If you order an appraisal sepa-rately, there is no assurancethat the lender you choose willarrive at the same appraisedvalue. The lender will not useyour appraisal, and you’ll be

out the money for the appraisal. If yourbank sends out an appraiser and the prop-erty fails to appraise at a high enoughprice for you to refinance, you shouldmake sure that you only lose the cost ofthe appraisal if you decide not to moveforward with the refinance.As for refinancing even if you’re con-

templating a move, I think if you can savemoney from the get-go and pay off thecosts of refinance within a relatively shortperiod of time (say, six to eight months),there’s no reason not to refinance.Having said that, if you are paying clos-

ing costs and those costs are rolled intothe amount you will owe on the mortgage,you may not be getting a great deal even ifyour monthly payment to the lender goesdown. If you sell within one year of refi-nancing, you’ll have to repay all of thoseclosing costs. So, you need to make surethe savings on your monthly payment aresufficiently high to counter any closingcosts.Finally, you should shop for loans at a

variety of different lenders, including a bigbox lender (not yours, but another one), acredit union (if you belong to one or canjoin one), a mortgage broker, a small localbank and perhaps online. You can get asense of interest rates and where theystand locally at BankRate.com.

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

Ilyce GlinkTribune Media Services

For more real estate information, visitHomeandRealEstateWeekly.com

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Entertain successfullyduring the holidaysHoliday entertaining doesn’t have to bestressful. Follow these simple tips to host agala while still enjoying the season.1. Forgo a traditional floral centerpiece onthe dining table and instead create acharming scene featuring gingerbreadhouses or Christmas-village miniatures.2. Rather than rushing out to buyexpensive new china, glasses and silverwarefor a holiday get-together, consider renting.3. A simple way to give holidaydecorations a professionally decorated lookis to stick to just two or three colors.4. Flickering candlelight is beautiful, but ifsmall children or pets will be part of thecelebration, substitute battery-poweredvotive and pillar candles.5. For a custom look that’s easy toachieve, add ornaments, wrapped candiesor glittered greenery to a plain wreath.6. Adding a vintage element such ashomemade gingerbread men, hand-strungpopcorn or a cranberry garland to holidaydecorations lends a sentimental, old-fashioned feel.7. Always test Christmas lights beforeadding them to the tree.8. Give your chandelier a simple holidayupdate by draping the arms with anevergreen garland and embellishing plainpaper shades with an assortment of ribbonattached with hot glue.9. To cover an unusually shaped or extra-long table, simply drape it with fabric fromthe bolt.10. Add fragrance and an unexpectedtouch to evergreen garlands and theChristmas tree by placing fresh flowersamong the greenery.11. To get the look of a lit fireplacewithout the warmth fill the hearth with litpillar candles.12. Make your decorations shine byworking strands of twinkling mini-lights intogarlands, topiaries and table scapes.

– Courtesy Sandra Lee on hgtv.com

Blooming GiftsKeep plantsthriving withthese tipsFamily Features

Poinsettias, African violets, cyclamen,azaleas, holiday cacti and kalanchoe – allare popular holiday gifts to give and re-ceive. But once they are settled in theirnew homes, how do we keep themhealthy and thriving? Here are some tipsto keep in mind. Include the key pointson a care tag with the plants you give asgifts.

Keep Soil Moist, Not WetSaturate the soil with room-tempera-

ture water in the morning so foliagecan dry before nighttime. If water drainsout immediately, the plant is rootboundand needs to be repotted with fast-drain-ing soilless potting mix. Water cyclamenand African violets from the bottom bysetting them in a tray of water for a fewminutes and letting the soil soak upwater.

Turn On the LightsFlowering houseplants often don’t

rebloom because of insufficient light.Place plants in a south-facing windowor set them under full-spectrum growlights.

Provide Optimum TemperaturesIndoor temperatures of 55 to 70 de-

grees are usually adequate for most flow-ering houseplants, although tropicalssuch as holiday cacti and gardenias needcooler temperatures of 60 to 65 degrees to

set buds.

FertilizeUse a dilute soluble fertilizer according

to label directions when plants are in ac-tive growth and flowering. When plantstake a rest, stop fertilizing. Once a month,flush the pots for a few minutes until wa-ter drains from the holes to remove anybuilt-up fertilizer salts.

Raise HumidityMany flowering houseplant species are

accustomed to high year-round humidity.Run a humidifier near the plants, orgroup the plants together on a 2-inch lay-er of pebbles in a tray of water. The water

should not touch the pots.

Control PestsOftentimes you can control spider

mites by dunking plants upside down in asink full of soapy water. Sprays of insecti-cidal soap or horticultural oil will controlmany pests.For more tips and garden information

visit www.garden.org.

A former floral designer and interior plantscaper,Kathy Bond-Borie has spent 20 years as a gardenwriter/editor, including her current role as Horti-cultural Editor for the National Gardening Associa-tion. She loves designing with plants, and spendsmore time playing in the garden – planting andtrying new combinations – than sitting and appre-ciating it.

Poinsettia (Euphorbia pulcherrima ) can make a display of red and green. (Margo Harrison/Fotolia)

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Longmont &Surrounding AreasResidential Statistics

November 2010

Courtesy the Longmont Association of Realtors

Make your home more energy-efficientArticle Resource Association

Old Man Winter brings a variety ofgifts for us each year – cold winds, snowand, of course, higher energy bills. Youcan’t control the cold and snow, but youdo have a little control over how muchenergy you will use this winter.With today’s technological advances,

it has never been easier to lessen yourimpact on the power grid and reduceyour heating bills. An energy audit is agood place to start to find out areaswhere heat is escaping from your home.After you’ve identified those areas, youmay also want to think about outfittingyour home with devices or systems thatwill make it more energy efficient.Here are five innovations that can

help you conserve energy this winter.• Freewatt home energy system. This

eco-friendly heating system features mi-cro-CHP technology that is integratedwith a high-efficiency natural gas orpropane furnace or boiler and generatesboth heat and electricity for your home.Such a system has the potential to gen-erate half of a typical home’s annualelectrical needs, according to ECR, mak-ers of the freewatt and freewatt plushome energy systems. Additionally, awater heater may be added to the systemto produce even more electricity. If yourstate and utility company have net me-tering programs, you can also sell backadditional electricity generated by yoursystem to be used elsewhere. The free-watt plus system also acts as a back-upgenerator should your home lose power.• Rooftop solar water heaters. Why

pay for energy to heat water when thesun will do it for you at no cost? While asolar water heater may cost more upfront, the U.S. Department of Energy es-

timates that you can save 50 to 80 per-cent on your water heating bill. It’s pos-sible that you may also be able to receivea tax deduction if you roll the cost of theheater into your mortgage. If you are in-terested, it may also be wise to checkwith the Department of Energy or retail-ers to see if there are any other tax bene-fits available for any efficiency upgradeyou are thinking about making.

• Solar light tubes. Adding these toyour house can add fresh and naturallight to a space that might otherwiseneed electric light, thus reducing theelectricity you’ll use.

• Radiant barriers. This strategy, usingreflective barriers, often in the attic, canreduce the amount of heat that is lostthrough the roof of your home. It alsocan reduce the amount of heat comingin from the attic in the warmer months.

• If you determine you are losing a lotof heat through your windows, it mightmake good financial sense to replacethem with more energy-efficient ones. Itmight be helpful to work with your en-ergy auditor or window company to de-termine the best option, as it can oftenbe dependent on what kind of windowsyou have and where they are located.

The Longmont Association of Realtors is located at 420 Kimbark St. in Longmont.For more information, contact them by calling 303-772-0640 or visitingwww.longmontrealtors.com/.

49-160318


Give your gardenerknowledge to useAsk a gardener what they’d

love for a gift, and they mightlook uncomfortable before re-sponding vaguely “oh, I don’tknow, anything’s wonderful.”Don’t be frustrated.It’s not that wedon’t want to an-swer you; it’s justhard to explain thatthe things we cher-ish are likely tomake you avoid us.Even gardener to

gardener, we don’talways know howour gifts will goover. One, regalingme with the tale ofhow she first gother green thumb, hesitatedwhen it came to describing herdirt-loving mother’s gift for herfirst garden. “Guess what momsent,” she said, a little self con-sciously. “Manure – she maileda big box of chicken manure!”Now there’s a memorable

gift. Such treasure is whatmany gardening moms havegiven, and will continue to givefor generations. But the gift ofdung isn’t covered by the dic-tionary of etiquette, so if you’researching for something differ-ent to wrap up this year, givethe next best thing: knowledge.Sign up your loved one for

Your Edible Garden Workshop,a one-day immersion into foodgardening offered by ColoradoState University Extension of-fices in Larimer, Boulder, Weldand Adams counties. This all-day workshop is Jan. 22, 9 a.m.to 4 p.m. at the Ranch in Love-land, and costs only $65.The event, features a variety

of seminars to suit everyone,from beginners to seasonedgardeners. Here’s a sampling ofwhat’s in store for your garden-er.Successful gardens start from

the ground up, and Dr. JeanReeder will take participantson an exploration how to buildgreat garden soil. “Soil is a liv-ing system, providing the fun-damental support for all terres-trial life,” says the retired soilscientist. “We need to feed andnurture our soils so they canfeed and nurture the plants, an-imals and us.”Other basics to help the

novice gardener include de-mystifying irrigation, with ex-tension agent Joel Reich, whowill help participants save wa-ter while getting tender, sweet

vegetables.Tips for growing

vegetables in Col-orado will fill oneseminar, but if yourgardener wants todelve into specialtytopics, they canchoose from toma-to selection, veg-etable disease con-trol, strawberrytips, how to growraspberries andblackberries, or

starting vegetables from seed.If developing skills tops the

list for your gardener, enrollthem in Fruit Tree Pruningwith David Whiting, Professorwith Colorado State University.For high yields of quality fruit,fruit trees need care whileyoung and annual pruning tokeep them producing for years.Whiting will review the uniqueneeds of each tree type, includ-ing apples, peaches and othertree fruits.Anyone feeling the pull of

the earth while living without aplace to garden will love AlisonO’Connor’s workshop on veg-etable container gardening. Pa-tios, porches, balconies – anyplace with sun can be convert-ed into an oasis of edibles.January, O’Connor says, the

CSU Horticulture ExtensionAgent in Larimer County, is theideal time for this kind ofevent. With March around thecorner, gardeners start plan-ning early. Wrap their registra-tion form with a pair of garden-ing gloves, trowel and seedpackets to make a gift they’llremember almost as long as abox of manure.For more information and to

register, contact Weld CountyExtension at 970-304-6535.

Carol O’Meara is a horticulture ento-mologist with the Colorado StateUniversity Extension office at theBoulder County Fairgrounds in Long-mont. Contact her by calling 303-678-6238 or e-mailing [email protected]. For more garden-ing tips, check out her blog atgardeningafterfive.wordpress.com.

Carol O’MearaColorado State

University Extension

Reuse Paper and CardboardGifts wrapped in reused paper can look stylish

if you wrap them with care. Collect brownpaper, out-of-date maps and atlases, old wallcharts, calendars and unused rolls of wallpaper tobuild up a collection of instant Christmaswrapping. Pages from newspapers or magazinesalso make attractively wrapped gifts – use the

sports section of a newspaper to wrap a gift for asports fan, for example, or colorful comics towrap gifts for children and teenagers. If your giftis an unusual shape, put it in a decorated orcovered shoe box or shirt box, or use recycledpaper sandwich bags decorated with driedleaves, pressed home-grown flowers or feathers.

49-160598


Low credit score canimpact your mortgage

Clean up kid clutter

By Michele Lernerbankrate.com

Since 2007, when Freddie Macand Fannie Mae introduced “risk-based pricing,” consumer creditscores have played an increasinglypivotal role in the mortgage appli-cation process.“Fannie Mae and Freddie Mac

looked at credit scores and loanperformance and realized that bor-rowers with lower credit scores arefar more likely to default on theirloan than borrowers with higherscores,” says Douglas Benner, asenior loan officer with EmbraceHome Loans in Rockville, Md.As a result, credit score require-

ments are now stricter. Consumersneed high scores to qualify for thelowest mortgage rates, says GibranNicholas, chairman of The CMPSInstitute, an organization in AnnArbor, Mich., that trains and certi-fies mortgage bankers and brokers.“Consumers with a score as low

as 620 can sometimes qualify forconventional financing, but theywill pay a higher interest rate andpoints,” Nicholas says.The Fair Isaac Corp., or FICO,

generates the most widely usedcredit scores, which are based oncredit reports from three credit re-porting agencies: TransUnion,Equifax and Experian.“FICO scores rank-order con-

sumers by how likely they are topay their credit obligations asagreed,” says public affairs officerCraig Watts.A credit score of 740 is the

threshold for qualifying for thebest interest rates from conven-tional mortgage lenders, Nicholassays. “Typically, risk-based pricingtiers shift about every 20 points. So

if your score is 680, you may needto pay 1.5 points at the closing or ahigher interest rate.“If your score is 640, you will

need to pay 3 points at the closing.On a $400,000 loan, that meansyou could need $6,000 or $12,000extra.”Consumers can choose to pay

points or a higher interest rate.Benner says borrowers with a

score in the mid-600s will likelypay 0.75 percent higher interestthan the lowest current rates.Conventional loan borrowers

who make a down payment of lessthan 20 percent also need to meetprivate mortgage insurance guide-lines in addition to qualifying withthe lender.Here again, credit scores make a

big difference in a borrower’s abili-ty to secure a mortgage.“Most PMI companies will not

approve a loan for anyone with acredit score below 680,” Bennersays. “In addition, the amount ofthe loan they will insure changesbased on the credit score. On someproperties, such as a cash-out refi-nance or a second home, the PMIcompanies insist on a credit scoreof 720 or higher.”Nicholas says in a declining

market where home prices are stilldropping, PMI companies require acredit score of 720 or higher.Benner says borrowers with

credit challenges should apply forFHA-insured loans.“While FHA has not yet set a

minimum credit score, mostlenders will only qualify borrowerswith a score above 620 and somehave even set the minimum forFHA loans at 660,” Benner says.“My company is one of the fewthat goes down to 540, but this de-

pends on the consumer meetingother guidelines such as a reason-able debt-to-income ratio and sav-ings.”The FHA has proposed limiting

loan approvals to borrowers withcredit scores of 500 and above andto require a 10 percent down pay-ment from borrowers with creditscores between 500 and 579.Another proposal would require

borrowers with a credit score be-low 620 to have cash reserves of atleast one month’s mortgage pay-ment available following the clos-ing. Nicholas anticipates thesechanges to be in place in early2011.Borrowers who are turned down

for an FHA loan through their au-tomated system can request manu-al underwriting so that a live per-son reviews their loan application,Nicholas says.“Be prepared with a letter of ex-

planation for your low credit score,such as a one-time event or illnessrather than a pattern of not payingyour bills,” Nicholas says. If onelender won’t do manual underwrit-ing, another might.Other compensating factors that

can help a borrower overcome alow credit score include a lowdebt-to-income ratio, stable em-ployment and substantial savings.Benner says that FHA loans are

available to all borrowers regard-less of income or whether they arefirst-time homebuyers, as long asthe home price meets area loanlimits.Another way to qualify for a

mortgage when you have poorcredit is to make a larger downpayment.

Reach Michele Lerner at [email protected].

By Debbie ArringtonSacramento Bee

Is kid clutter making youcrazy? Your children can cleanup their messy rooms andkeep them clean – or at leastpassable. The trick is makingorganization less of a choreand more fun. Here are sometips to get youngsters hookedon clean surroundings.• A place for everything andeverything in its place. Take afew minutes each evening tohelp your children tuck in

their little toy friends. Makesure the kids help.• Hang it up. Baskets andhammocks can be creativeplaces to store stuffed animalsand dolls. It keeps them offthe floor and the bed. Also,hooks and baskets are a greatway to store sports gear.• Closet vs. drawers.Clothes for children fit betterin drawers than on hangers.Put a set of see-throughdrawers inside the closet andspare the rod. Also, give eachchild their own hamper.

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Wrap gifts creatively and ‘green’It may be tempting to buy rolls of cheap, shinypaper to wrap your gifts, but this easy option won’treflect the care you’ve put into choosing the giftsthemselves – and it doesn’t benefit the planet.

Paper-Free WrappingA fun, quirky way to wrap a few ofyour favorite bulbs for an aspiring gar-dener is to place them inside one ter-ra-cotta pot, place an identical upturnedpot on top of it and decorate the joinedrims with a length of trailing ivy.It’s the ultimate in eco-friendly wrap-

ping, as the bulbs can be planted in thepots, and then the pots recycled indefi-nitely. You could also use vintage fabricor old, unwanted garments to wrapgifts: a length of velvet, an old scarf,cloth napkin, handkerchief or dishtowelcan all be transformed into stylishgift-wrap.

Waste-Paper FactsIf every American family wrapped justthree presents in reused or repurposedmaterials, it has been estimated thatenough paper would be saved to cover45,000 football fields.

– Courtesy Dorling Kindersley onhgtv.com

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

Hover Manor Senior ApartmentResidence

1401 Elmhurst Dr. • 303-772-9292$885-$890 $835-$840 1 1 Yes No Yes Yes

Secure building, quiet neighborhood, meal program,transportation, utilities paid, appliances & cable

TV included,62 yrs & older; vouchers accepted.

Victoria Inn2400 17th Ave. • 303-772-4667

$725-$875 $250 1, 2 1,1¾ Yes Yes Yes

In eachapartment

A/C, D/W, cable ready, balcony or deck, carport,outdoor pool, close to shopping & bus stop.

Ute Creek Apartments1100 E 17th Ave. • 303-684-6821

Starting at$799 $125 1, 2 1, 2 Yes Yes Yes

Full SIzein each

apartmentYes

Move-In Specials, senior and other discounts.Fireplace,

pool & spa, 24-hour fitness, garages. Close toshopping.

The Shores2450 Airport Rd. • 303-774-8000

*$705-$1200

$100$200$300

1,2,& 3Studios 1,2

YesShort TermAvailable

Yes Yes Yes YesGas fireplaces, 24 hr. fitness center, heated pool & hottub, A/C, business center, gourmet kitchens, detached

garages.*On selected apartments.

Cloverbasin Village630 Peck Dr. • 888-837-4912

$690-$1100 $1491,2,33-bdrm.

townhomes2 Yes Yes

Yes65 lbs limit

NoYes

& rentalavailable

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

Elliott Apartments418 Emery St. Longmont, CO 80501 • 303-772-6452

$580-$945 Yes 1, 2, 3 1, 2 Yes Yes PetsNeg. Yes

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

included.

Fox Ridge Apartments3800 Pike Rd., Longmont, CO 80503 • 303-774-9944

$789-$1239 $200 1, 2, 3 1, 2Yes

Short TermAvailable

Yes Yes Yes YesIsland kitchens, garden tubs, gas fireplaces,double balconies, two tone paint, gated com-

munity. Close to schools & newest community inLongmont.

Tanglewood CondominiumsSenior Community

100 21st Ave., Longmont, CO 80501 • 303-774-0300

$1235-$1625

$1235-$1625 1, 2 1, 2 Yes Some Yes

$50+ mo.

Full sizein eachcondo

W/Dprovided ineach Condo

All utilities & cable paid, sec. bldg., elevator, W/Din every unit, transportation, social events. HUGE

amenities package, quiet 55+ community. Call forincentives!

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APARTMENTS

2400 17th Avenue, Longmont, Colorado 80503

303-772-4667303-772-4667*www.victoriainnapts.com

01-1

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• FREE Washer/Dryer& Carport

• Wood-burning fireplace• Large balconies/patios• Approved pets accepted• MTM leases available• Within walkingdistance of shopping,restaurants & RTD

• On line leasing available• One bdr, 1 bath starting at $740• Two bdr, 2 bath starting at $890

0 APP FEE: WinterSpecial! 1 bdrm $550

2 bdrm, $650On-site pkng/laundry.A/C. Water & heat pd.Se Habla Espanol.

(303)774-0593

Apartments/Unfurnished 4030

NO lease, dep or credit chkWkly/4-wk • 303-776-2185• ALSO RV SITES AVAIL!

Apartments/Furnished 4010

Rentals

To place an ad, call 303-776-7440 or go to www.TimesCall.com/classifieds and place yourad any time of the day or night. Fax: 303-772-8339…email: [email protected]

•1809 EMERY ST-2 bdrm in 4-Plex, off stpkng, pet nego. Availnow, $650. (303)447-8988

2 BDRM APT´s-Starting at $625, some with

Move-in Specials!Call PMP, 303-776-RENT

1 BDRM, $550 H/W furn,No Smk/Pets. Refs

303-775-7517

1 & 2 BDRMApt HomesFox Ridge Apts PremierGated Community. PetsOK!For Info & SpecialsCall (303)774-9944

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

✭✭✭✭✭✭✭✭✭✭✭✭✭1, 2 & 3 BDRM

Apartment HomesThe ShoresApartments,

Hwy 66 & Airport Rd(303)774-8000

✭✭✭✭✭✭✭✭✭✭✭


CLOVERBASINVILLAGE(303)485-0512630 Peck Drive-Longmont West onNelson/Airport Rd

1 Bedroom 1 Bathas LOW as $6902 Bedroom, 2 Bathas LOW as $7993 Bedroom 2 Bathstarting at $7993 Bdrm TownhousesStarting at $1000

QUAILVILLAGE303-485-0065321 Quail Road-across fromLongmont Rec

Center

2 Bedroom 2 Bathas LOW as $7313 Bedroom 2 Bathas LOW as $844!

*LIMITEDNUMBER

AVAILABLE*

**Income GuidelinesMay Apply**

✓ Full Size Washer& Dryer Hookups

✓ Close to Bus lines

✓ Pets Welcome

EASTGLEN APTS630 Lashley, Longmont

(303)682-29431, 2 & 3 BEDROOMS:Pool, air, laundry

✭Wtr, trash, sewer pd

2036 ESTES LANE -2 bdrm, newly remod, offst pkng, $595. 303-485-0272.

Se habla español.


805 Summerhawk # J56$975, Beautiful double mas-ter townhouse, 1700 sq ft,1car detached garage +parking space, incl applcsavail NOW, (303)668-9832

Condos/Townhouses 4050

VALUE PLACEFIRESTONE

New ExtentedStay Hotel

● $179* WEEKLY

or● $599

MONTHLY✓ Perfect for visitingfriends & family!

I-25 & Hwy 119,Longmont exit 240.

303-485-0040

Bring ad to qualify.*Expires 12/31/2010*New Guests Only*

ROOMS & ApartmentsWeekly/Monthly, from$100/week. Utililtiesincluded. (303)931-7108

Horizon Place1 Bedroom- $545!2 Bedroom- $645!

Secure bldg, swimmingpool, A/C, on-site laundry.Call PMP, 303-776-RENT


SELF-SERVESELF-SERVECLASSIFIEDSCLASSIFIEDS

Log on to www.timescall.comClick on “Submit An Ad“

ONONYOURYOUR

SCHEDULE!SCHEDULE!

0 App Fee-$100 off 1st 2 mosLg 3 bdrm, 2 ba, gar, waterpd. No dogs. 303-682-2525

Duplexes 4060

FORMER MODELBeautiful 2 bdrm, 2 ba +study near Hwy 66 & Pace.Frpl, jetted tub, granitec - t o p s , A / C , W / D ,tandem gar w/ storage, pa-tios. $1,200/mo, credit chkreq´d. Avail 2/1, call forshowing appt. 303-990-4661

Condos/Townhouses 4050

● 2030 COLLYER STREET2 bdrm, 1 ba, W/D hkups,near bus stop. Newlyremodeled, No/smoke/pet.$650. Call (303)588-8115

Duplexes 4060

Check out the pet columns inclassifieds for that special

companion you’re looking for.

4 BDRM (conforming in finbsmt) 617 5th St, Berthoud,pets nego. Call 970-669-0842

www.rmpm.com

3 BDRM, 1.5 ba, off st pkng,N/P, W/D hkup, storage,

$835/mo.Water paid.Gerald, 303-775-1598.

2 BDRM W/D, DW, A/C,& garage. NE LongmontNo pets. $625/mo & deposit720-938-1559; 303-666-5546

Duplexes 4060

● 1018 SUMAC ST-3 bdrm, 1.5 ba, $1100/mo.303-775-0429 ask for Sean

EQUAL HOUSINGOPPORTUNITYAll real estate

advertised in thispaper is subject to thefederal and state FairHousing Act whichmakes it illegal toadvertise “any

preference, limitationor discrimination

based on race, color,religion, sex, handicap,familial status or

national origin, or anintention to make anysuch preference,limitation, ordiscrimination.”

The newspaper willnot knowingly acceptany advertising for

real estate which is inviolation of the law.All persons are herebyinformed that all

dwellings advertisedare available on anequal opportunity

basis.

Houses 4080

INDOOR GARAGE &Commercial Storage

20x40x16 w/ 14x14 doorsstart at $300.

20x50x16 w/ 30 amp elect,man door & pwr dooropener start at $425.Garage Storage LLC,

4070 Camelot Cir, locatedI25 Business Park.

I-25 & Hwy-66. 970-535- 6074www.Longmont-storage.com

Garages/StorageSpaces 4070

DUPLEX2 Bedrooms• 1412 Terry St

Call PMP, 303-776-RENT

Duplexes 4060


click on Submit an Ad

I can place myad when I want to.

303-776-7440

Convenience!

06470344 2x8c

www.TimesCall.com

3 BDRM, 2 BA, total re-model, 2476 Sunset Dr, N/S,no cats, $1425. 720-273-5924

3 BDRM, 2.5 BA in Fred-erick, $1200/mo, no pets/smoke. 303-709-0051

2 BDRM, 1 BA, beautiful,Old Town. Gar, fncd yd,w/d, n/s/p $950 303-682-5985

● 2213 COLLYER- 4 bdrm2 ba, frpl, fncd yd, 2 cargar, $1300/mo. Pet nego.Call Pennant, (303)447-8988

2100 SF- Clean inside & out,Move-in ready. 4 bdrm,

enclosed atrium, quiet cul-de-sac. $1300. 303-548-1091

1 RENT TO OWN3 bdrm, 2.5 ba, 2 car, W/D,$1295. 4 hr free rec msg.866-810-1446 ext 1011

● 1701 ADKINSON4 bdrm, 3 bath, 2 story,2 car gar, Lgmt. $1375.RMG Realty, 303-772-4466

1424 TWIN SISTERS DR,5 bdrm, 2 ba, fncd bkyd, 2car gar, sprklr sys, $1495/mo + dep. No cats. Refsreq´d, avail 1/1. 303-810-6975

10544 Sunburst, Firestone, 4bdrm, 3 ba, 2 car, bsmt,

fncd, frpl, loft, N/S.$1495/mo Jim 303-775-0163

Houses 4080

HOUSE- 3 BDRM, 3 bath,office, loft, family, living,dining rm, frpl, 3 car,backs to park, N/smk.

$1550/mo. Dave 303-929-2346

Big Thompson WaltoniaLandscaped 2 bdrm/2 ba,W/D, Hottub, N/S, 2-carheated gar. Min 6-mo lease$1500/mo. Dep reguired.

Msg #435-619-0971

● 939 KIMBARKCentral location, 2 bdrm,1 ba, not fenced, workshop,

single garage, $875.Pet OK. RMG Realty,

(303)772-4466

● 547 MARTIN2 bdrm, 1 ba, fencedyard, storage shed, pets

OK, $850/monthRMG Realty, 303-772-4466

4 BDRM, 3 BATH, 2 car,fncd yd, cul-de-sac, Lgmt,great cond! 2408 Scott Ct.

$1350/mo + depositN/S, N/P. 303-506-2266

4,500 SF in Prospect NewTown, Lgmt. 6 bdrm,

5 baths, $2,900. Avail Jan 1.Access to community pool.This beautiful home withgreat views has all

upgraded features. Alsowould consider lease withoption to buy. Call Laura or

Dave at 303-882-6159.Serious inquires only.

Houses 4080

NW Longmont, 2 bedroom,1 bath, garage, 1619 Ervine

Ave. $900/month +damage deposit. NS/NP,

720-352-0993

NW Lgmt, 3 bdrm, 2 bath,1627 Calkins, $1125/mo.NP/NS, (303)601-6946

New Home for Rent6300 Clayton St in Fred-erick. 3 bdrm, 2.5bath,unfin. bsmt, large deck.$ 1 4 0 0 / m o S e a n

303-775-0429

Newer 3 bdrm, 3 ba home,2 car gar, NW loc. No pets.$1450 303-514-3706.

Longmont 4 bdrm,2 ba, fncd yd. 2 car gar.$1350. (303)652-7884

Houses 4080

$250/MONTH-Great parking, quiet.

Ground level. Four SeasonsRealty, (303)875-1345

2500 to 5000 SF- great viewsfrom 2nd level, ample park-ing. 2432 Main. 303-875-1345

Office Space 4100

MOBILE HOMES for Rent$650 to $750, 2 & 3 bdrms.River Valley Village,

(303)772-3240

Mobile Homes/Spaces 4090

Why rent?Buy a home for

$0 DOWNDo you qualify?

Dedicated to your bestinterest, Longmont´s

Terri Hatch ofPeople´s Mortgage& Devin O´BranaganERA Tradewind

303-775-0710

Houses 4080

Share 4 br & 1 pvt.ba,W/D,hi-spd.int/cable/phone,N/S, M/F,$375,214-293-3590.

Responsible, clean M/F,W. side, great area, golfcourse, W/D, kit. $400+1/3utils. 3-775-1144/3-772-8466.

RoommatesWanted 4120

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

Professional garden leveloffice space. 12 X 13 office,w/additional private workspace including smallkitchen & bathroom,14 X 10Conference room, total 600sq. ft., $550/mo. 1714 Duch-ess Dr. 303-651-0304, X 0.

GREAT MASSAGEOFFICE FOR RENT.

(720)280-9047

500 to 2500 SF, can divide.On site prkg, Good trafficexposure. 303-523-3369

Office Space 4100

WOW WHAT VIEWS!2.8 acres, water tap in &paid. Electric close, septicneeded & Ish res irrig wtr.$100K, just SE of Berthoud.Call Mark Sullivan at ERATradewind (303)684-6335

Farms, RanchesAcreages 5050

Real Estate

773 SQ FT- busy shoppingcenter, 1116 Francis St,

$825. Alert RE (303)776-5156

Retail Space 4135

SEMI-FURN Rooms/AptsWkly/mnthly from $100/wkUtils/micro/fridge inc

(303)931-7108

RoomsFor Rent 4130

Real Estate AuctionNominal Opening Bid Starts at $10,000

• 28 Meadowlark Cir, Lochbuie4BR 2BA 1,686sf+/-

• 6145 Benton St, Arvada3BR 2BA 1,620sf+/-

All properties sell: 8:00AMWed., Dec. 15 at28 Meadowlark Cir, Lochbuie

Open to the PublicOpen this weekend, please go to

williamsauction.com or call 800-801-8003for details. Many properties now available

for online bidding!Williams & Williams

CO RE LIC#ER01319859DEAN C. WILLIAMS BROKER

Misc. 5127

LAKESIDE Custom LotsOnly seven left! $125K-up.Invest now. Build later.Beautiful, quiet Victorianneighborhood. Rural living-

city services. www.lakemcintoshfarm.comHugh Fowler 303-986-1606

Lots & Tracts 5100

WE BUY HOUSES!CASH or TERMS

Close fast - any condition303-817-6168 Let´s Talk

✭Opportunity For You✭4 Bdrm, 3 ba, 2 car bi-levelin Melody Valley. W/someTLC it will be a gem!

Mostly hrdwd flrs on mainlevel under some carpets.Lg kitch, din room. $179,000

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

FSBO 3 BDRM, 1.75 bath,1 car gar. 108 Forsyth Dr.$170,000. (303)435-3077

A pictureis worth a

thousand wordsTry a color

classified picturead today!

Call for details.303-776-7440

Longmont 5090

303 Maestes St, Johnstown.3 bdrm, 2 ba, complete re-model, ready to move in byXmas! $129,900 970-690-7856

Johnstown 5087

Misc. 5127

WOW!!!Beautiful 3 bdrm/2 bathJUST REDUCED!

✓ FREE LOT RENTUntil 2/1/2011

• Swimming pool• Clubhouse• Playground• New Fitness Center

Financing AvailablePet Friendly

Sun Homes atEagle Crest1-888-649-5616

4eaglecrest.com

SUN HOMES @EAGLE CREST

888-649-5616www.4eaglecrest.com

✭ MOBILE HOMES ✭BUYING/SELLING

Local park needs used mobhomes. We´re buying! BigSale! Many single & dblwides. Fin avl, auto ap-proval on owner fin homes.Bad credit OK! Moves avl.

970-222-1473✭ 690-2725 or 690-3283 ✭

MOBILE HOME3 bdrm, 1.5 bath, new

appl´s & carpet. Attachedgar, air, patio, W/D incl.

$18,000, 720-620-4276

3 BDRM, 1 BA, new carpet,W/D, carport, Lgmt adultpark age 55+, 970-215-1819

Mobile/ 5130ManufacturedHomes/Spaces


Sustainable bath saves water

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

Longmont• 601 LLC from 601 S Bowen Street Part-

nership, 601 S Bowen St, Longmont,$1,350,000, home• Priscilla Kraak from Margaret Dowling,

37 Empire Pl, Longmont, $180,000, home• Brandon & Christine Glaze from

Patrick Kusbel, 1552 Drake St, Longmont,$214,900, home• Francisco Romo from Brendan

Matthew, 244 Cattail Ct, Longmont,$221,900, home• Resident from Boulder Creek Kings-

bridge LLC, 1691 Venice Ln, Longmont,$241,000, home• Kienan Clark from Jeffrey Clark, 1021

Sunset St, Longmont, $164,000, home• WNW LLC from Manhattan Properties

LLC, 6422 Prospect Rd, Longmont,$262,500, home

Berthoud• Kenneth & Pamela Enneking from

Federal Home Ln Mortgage Corp, 2716Lake Hollow Rd, Berthoud, $189,900,home• Virginia Rifkin from Arron Hocking,

3850 Arleigh Dr, Berthoud, $349,000,home• Mark & Debra Heller from Michael Pe-

terson, 87 Sioux Dr, Berthoud, $243,000,home

Lyons• Clayton & Mary Cavend from Markel

Homes Construction Co, 417 Raymond Ct,Lyons, $610,500, home

Niwot• Jeffrey & Margaret Wynne from Harold

Wyatt, 6861 Walker Dr, Niwot, $321,800,home

Foreclosures – notice of election and de-mand• Borrower: Roberta Hansen, Lender:

Chase Home Finance LLC, Amount:$184,514, Property: 304 E Michigan Ave,Berthoud, Filed: 12/01/10• Borrower: John Wilson Jr, Lender: JP-

Morgan Chase Bank National Association,Amount: $234,863, Property: 3112 Cotton-wood Ln, Berthoud, Filed: 12/01/10• Borrower: Scott Wilson, Lender: US

Bank National Association, Amount:$222,287, Property: 727 Starkey Ct, Erie,Filed: 12/01/10

• Borrower: Glen Stearns, Lender: JP-Morgan Chase Bank National Association,Amount: $244,956, Property: 5510 AspenAve, Erie, Filed: 11/29/10• Borrower: Lisa Justice, Lender: The

Bank Of New York Mellon Trust Co,Amount: $201,467, Property: 10477 TaylorAve, Firestone, Filed: 11/29/10• Borrower: Steven & Marcia Modrell,

Lender: Citimortgage Inc, Amount:$179,335, Property: 313 Wooster Ave, Fire-stone, Filed: 11/29/10• Borrower: Christine & Jeffrey Lewis,

Lender: Wells Fargo Bank NA, Amount:$248,023, Property: 10256 Dresden St,Firestone, Filed: 12/01/10• Borrower: Scott & Debra Loptien,

Lender: JPMorgan Chase Bank National As-sociation, Amount: $238,975, Property:6582 Sage Ave, Firestone, Filed: 12/01/10• Borrower: Chad Weins, Lender: Col-

orado Community Bank, Amount:$419,797, Property: Firestone, Filed:12/01/10• Borrower: Seven Properties LLC,

Lender: JPMorgan Chase Bank National As-soc, Amount: $273,926, Property: 312-316Emery Dr, Longmont, Filed: 11/29/10

• Borrower: Betty Salyer, Lender: USBank National Association, Amount:$140,846, Property: 1619 Ervine Ave,Longmont, Filed: 11/29/10• Borrower: Joshua Gallant, Lender: Citi-

mortgage Inc, Amount: $131,411, Proper-ty: 741 Grant St, Longmont, Filed:11/30/10• Borrower: Paul Mchugh, Lender:

Onewest Bank FSB, Amount: $231,000,Property: 1420 Cinnamon St, Longmont,Filed: 11/30/10• Borrower: Armando Cabrera, Lender:

Aurora Loan Services LLC, Amount:$170,877, Property: 1159 Fall River Cir,Longmont, Filed: 11/29/10• Borrower: David & Lael Bartels,

Lender: Wells Fargo Bank NA, Amount:$374,315, Property: 1507 Cannon Moun-tain Dr, Longmont, Filed: 12/01/10• Borrower: Kamal & Sana Hassan,

Lender: US Bank National Association,Amount: $549,666, Property: 1922 KristyCt, Longmont, Filed: 11/29/10• Borrower: Craig & Ladonna Bast,

Lender: Wells Fargo Bank National Associ-ation, Amount: $128,000, Property: 21760Highway 60, Platteville, Filed: 11/29/10

Article Resource Association

With so many products claim-ing to be green these days, it’shard to know which ones are thereal deal. A great indicator forcertified sustainability in thebathroom is the WaterSense la-bel, which is granted by the En-vironmental Protection Agency.

“WaterSense-labeled productshelp you save water in yourhome and protect the environ-ment,” says Stephanie Thornton,a representative of the Wa-terSense Program at the EPA.“Since it was first launched in2006, the WaterSense programhas helped consumers identifywater-efficient products that not

only meet specific water-savingscriteria, but performance criteriaas well.”WaterSense aims to decrease

indoor and outdoor water usethrough water-efficient productsand simple, water-saving prac-tices. The program encouragescustomers to look for Wa-terSense-labeled products,which have been independentlycertified for efficiency and per-formance, and promotes water-saving techniques that reducestress on water systems and theenvironment.A number of product cate-

gories carry the WaterSenselabel, making it easier to reducethe water usage in yourhome.• Toilets. According to the

EPA, you will likely flush thetoilet nearly 140,000 times overthe course of your lifetime.Switching to a WaterSense-la-beled model will help you saveup to 4,000 gallons per year andan average of $90 on your bill.• Bathroom faucets. Faucets

account for approximately 15percent of indoor household wa-ter use – more than 1 trilliongallons across the U.S. each year.

You can save water – even whenthe faucet is running – by in-stalling a model that’s certifiedto meet WaterSense criteria.With countless options avail-

able in nearly every style andfinish, it’s easy to reduce waterusage and be stylish at the sink.Plumbing manufacturers contin-ue to transition their products tomeet WaterSense guidelines, andin 2009, Moen Inc. received Wa-terSense certifications on all itslavatory faucets.Designed to help environmen-

tally-conscious consumers opti-mize water flow without sacrific-ing performance, the faucets fea-ture a 1.5 gallon per minute(gpm) flow rate versus the in-dustry standard of 2.2 gpm, re-sulting in water conservation ofup to 32 percent.• Showerheads. As the newest

category to earn WaterSense la-beling, traditional showerheadscan use up to 30 gallons of waterper household, per day. In-stalling a Watersense-labeledshowerhead could make a bigdifference, saving more than2,300 gallons per year.Moen was one of the first

manufacturers to receive this

certification for showerheads,with 17 models currently certi-fied to meet WaterSense criteria.The newly certified water-effi-cient showerheads represent ev-ery category in Moen’s shower-ing portfolio – including wall-mount, rainshower and handshower showerheads – and fea-ture flow rates ranging from 1.75gallons per minute (gpm) to 2.0gpm, versus the industry stan-dard of 2.5 gpm. The result is

water conservation of up to 30percent.“Best of all, the showerheads

still provide a great experiencewithout sacrificing perfor-mance,” says Mike Reffner,group product manager, Moen.“Moen isn’t just using a restric-tor to reduce flow – it has re-designed its showerheads to de-liver the same level of showeringconsumers expect from Moen,but with less water.”


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Visit www.YourFrontRangeHOME.com to map your home tourVisit www.YourFrontRangeHOME.com to map your home tour

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$150,000 Longmont 1216 Atwood St 11-1 ERA Tradewind/Yale 303-588-3666

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ONLY $49! CALL 303-776-2244

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