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HOME & RealEstateWeekly
February 19, 2011
Longmont Times-Call www.HomeandRealEstateWeekly.com
Add luxurioustouches to your home
MajorImpact
Grab theClippersNow is the timeto prune your plants
Home loan programsare changing
2 Times-Call / Home & Real Estate Weekly February 19, 2011
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 CoverLuxury touches such as new linens and updated accessories add unique design details to a room. See storyabove. (Courtesy Beautiful Habitat Interior Design and Decoration)
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.
InstantUpgradesMinor adjustments, additionsmake major impact at home
By Laurel ToneyLongmont Times-Call
Whether you’re happy with your home or you’restuck until the market changes, there are simple adjust-ments you can make to your interiors to add luxury andglamour to any room. Easy upgrades and accessoriescan turn an average design into one that will inspireenvy.Barbee Jones, owner and designer at Details Design
Studio in Boulder, says paint is an easy and inexpensiveway to change the look of a room. “The biggest thing inthis economy is paint, and it’s the least expensive wayto make a big, ‘wow’ change,” she says. She recom-mends Modern Masters metallic paints. When added tothe ceiling of a dining room or powder room, this met-al-mimicking paint adds light and dramatic impact for afraction of the cost of a faux finish.Painting existing furniture is also a great way to alter
design and make a big impact, says Tennille Wood ofBeautiful Habitat Interior Design and Decoration serv-ing Denver and Boulder. Using metallic paint on an oldpiece of furniture is inexpensive, easy and effective.Wood also suggests breaking up sets of furniture as a
way to change a room. Don’t be afraid to mix up thefurniture in your home for a different look, she says. “It
will feel more put together overtime and more interesting.”Changing a room’s lighting is
another effective way to raiseyour luxury quotient. “Think oflamps as sculpture,” Jones says.“You need to have them.” Youmay already own an item thatcan be turned into a fabulouslamp, like a brass tea urn or aglass vase. Unique lamps serveas beautiful design elementswhile creating warm lightingand ambiance. Wood suggestsrepainting lamps or changinglamp shades to a different shape
or color for extra glamour.
If you want to update a room but lack the budget tomake big changes, window treatments might be the so-lution. A valance is an easy do-it-yourself project thatcan transform and change your house, Jones says. Ifyou want a more finished look, panels on each side of awindow have the same impact as full drapes but cutdown on costs.
For unique details in your design, scour garage salesand thrift stores for inexpensive accessories that havegreat shapes, Wood says. They can be spray-painted thesame color for a dramatic and beautiful display thatmakes a statement on bookshelves or countertops.
A glass or metal tray on your coffee table is anothereasy and elegant way to accessorize your home. Jonessuggests searching at second-hand stores for a tray thatwill add “fun glitz” to your table and help organize your
other accessories.
If you have a table that feels more shabby than chic,Jones suggests replacing or covering old tabletops witha granite or marble remnant. “Marble creates added val-ue,” Jones says. Remnants can be purchased at stoneyards and finished with a beveled edge for a clean andglamorous appearance.
Kitchens and bathrooms can often feel sterile becauseof their hard surfaces, Wood says. To add softness andluxury to these spaces, she suggests investing in nicetowels and incorporating fresh flowers. Even a smallbud vase can make a big impact.
Upgraded accessories and design will make yourspace feel fresh and new, but these tips are also usefulfor those who are trying to sell their homes. Adding abit of luxury in your finishes can make your home moreappealing without driving up expenses.
Courtesy Beautiful Habitat Interior Design and Decoration
Courtesy Beautiful HabitatInterior Design and Decoration
Courtesy Beautiful HabitatInterior Design and Decoration
Courtesy Details Design Studio
Courtesy Details Design Studio
February 19, 2011 Times-Call / Home & Real Estate Weekly 3
Bruder joins ERA TradewindReal EstateERA Tradewind Real Estate
welcomes Patti Bruder to its teamof professionals. Bruder moved tothe Denver area with the anticipa-tion of the opening of DIA. Shewas an International Flight Atten-dant for United Airlines until sheretired in 2003. At that time, shegot her real estate license andstarted selling real estate with amajor company. After a few years,she decided to change to on-sitesales with two different developers and worked for one ofthe nation’s top auction companies.To contact Bruder, stop by the office at 601 S. Bowen
St., Longmont, or call 303-772-9620.
Montgomery named toInternational Diamond SocietyColdwell Banker Residential Brokerage announced
that Cindy Montgomery, broker associate in the compa-ny’s Longmont office, has earned membership in thecompany’s International DiamondSociety, a level achieved by onlythe top 7 percent of sales associ-ates worldwide in the ColdwellBanker system.Montgomery has been a lead-
ing real estate professional withColdwell Banker Residential Bro-kerage for more than seven yearsand has garnered awards in threeof the past four years. She was thetop-producing agent in total salesvolume in the Longmont officefor 2010.The Coldwell Banker Residential Brokerage office in
Longmont is located at 1707 Main St. Suite 500, and canbe reached at 303-772-7478. Montgomery can bereached at 720-373-9235 or at [email protected].
Bruder
Montgomery
Getting rid of a timeshare no easy taskQ: My 86-year-old mother can-
not get rid of her (paid-in-full)timeshare. The maintenance feesare hurting her financially. She hastried to sell and/or do-nate it to a charity with-out any luck. How canshe dispose of it? If noone will accept it, dowe, her beneficiaries,have to take it over?Can she just stop payingthe maintenance fees?A: Your mother is not
alone. Many owners havediscovered that time-shares can be impossibleto unload. And in the cur-rent economic malaise, more time-share owners than ever are havingtrouble making their payments.While you didn’t indicate where
your mother’s timeshare is located,they are usually located in destinationresorts such as Orlando, Fla., or nearski areas.When selling a timeshare, you
should first contact the company thatmanages your property. Some of thelarger management companies offer aservice to help sellers sell their time-shares.If your timeshare is not part of a
national timeshare company or hotelmanagement company, you can try toadvertise it for sale on many websitesset up for that purpose. You can eventry to sell it through Craigslist oreBay.Another option, especially if your
timeshare is in a desirable location, isto rent it out. You can list your time-
share for rent on sites such asVBRO.com. If you are able to rent itout, the money you receive can offsetthe fees that your mother is incurring
in owning the timeshare.One last option avail-
able to some owners it totrade their timeshare timefor another location thatmay be more desirable tothe family. For example, ifyour mother’s timeshare islocated in California butshe and most of her familylive on the East Coast,you may be able to ex-change it for somethingcloser to home.
As you’ve discovered, you can’t justgive the timeshare to a charity. An or-ganization has to accept it and agreeto take it out of your mom’s name.Basically that holds true for giving
it away to anybody. In order for youto give it away, the recipient must bea willing party to the transaction –meaning that they are willing toassume the obligations of thetimeshare.If you’re wondering whether your
mother could simply stop paying herannual fees, you should know thatthe timeshare company may have theright to sue your mother for pay-ments she has failed to make.If your mother lived in a condo-
minium development and stoppedpaying her monthly dues, the associa-tion could sue her for nonpayment.In the end, if she did not pay, couldnot pay or didn’t have funds to pay,the condominium development could
sell off her condominium unit to sat-isfy the debt (assuming the condowasn’t underwater on the mortgage.)
In your mother’s case, if the time-share does not have much value butthe annual fees are high relative tothe value, if she stops paying thosefees, the late fees and other chargesmay quickly rise to be above the val-ue of the timeshare. At some pointthe timeshare management companywill have to take action against yourmother.
The timeshare company couldseize the timeshare to satisfy the debt,or it could also sue your mom for herfailure to pay the expenses she oweson the timeshare. If they sued yourmom, she would have to defend theaction in court and incur those ex-penses. If she lost, her other assetswould be at risk.
While the timeshare managementcompany may decide to simply takethe timeshare interest for the amountthat’s owed, your mom might want totalk to an attorney before she simplydecides to stop making payments tothe timeshare company. Even if thetimeshare company decided not tosue your mom, they could simplytransfer the file to a collection com-pany to collect what it could fromyour mother. Your best option is tosee what you can get for the time-share now while you still control it.
Ilyce R. Glink’s latest book is “Buy, Close,Move In!” If you have questions, you can callher radio show at 800-972-8255 anySunday, from 11 a.m. to 1 p.m. EST.Contact Ilyce through her website atwww.thinkglink.com.
Ilyce GlinkTribune Media Services
www.LiveKingsbridge.com
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4 Times-Call / Home & Real Estate Weekly February 19, 2011
Remodeling today means less down the drainArticle Resource Association
You’re ready for a new bathroom, something withstyle and comfort. You want the room to refresh you inthe mornings, and provide you with the opportunity torelax and unwind in the evenings.As you start to design your bathroom remodel, you
immediately put comfort at the top of your prioritylist. You want a beautiful shower with superb waterpressure that feels oh-so-good in the mornings or asink that allows you to quickly and efficiently washyour hands and face so you can wake up and get start-ed for the day.Another notion to put at the top of your list is water
efficiency. High-efficiency is now the standard forbathroom showers, sinks and toilets. In the UnitedStates, products with the Environmental ProtectionAgency’s WaterSense label are high-performing, water-efficient and tested by a third, independent party to becertified.It’s a misconception that high-efficiency products
don’t perform well. Technology is so improved thatyou can get the same invigorating stream of water inyour morning shower while using less water. Anothermistaken belief is that high-efficiency products are ex-pensive. Most green products don’t cost any more thanregular showers, sinks or toilets.Toilets are the biggest source of water usage in your
home, representing almost a third of your family’s totalindoor water consumption. High-efficiency toilets,such as TOTO’s high-efficiency Double Cyclone toi-lets, use only 1.28 gallons of water per flush, which
could save a family of four more than $2,000 through-out the lifetime of the toilet.Of course, as you redesign your bath, you get to
choose the style and look. Your taste might be a large,claw-foot tub that allows you to immerse yourself in afroth of bath bubbles, or you might go for a more mod-ern design with glass shower walls and bold tile colors.Either way, make sure you upgrade your faucet andshowerhead. TOTO’s Guinevere high-efficiencyfaucets and showerheads offer stylish, high perfor-mance that can cut water usage by more than 32percent compared to standard models.Conserving water in your newly redesigned bath-
room allows you to be green, save money, save timeand be conscientious about the environment withoutlosing the advantage of that great performance youhave come to expect.
RESIDENTIAL • COMMERCIALINTERIOR • EXTERIOR
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Prices subject to change without notice. Stated square footages are approximate and should not be used as representation of the home’s precise or actual size. Copyright© 2011 Lennar Corporation. Lennar and the Lennar logo are registered service marks of Lennar Corporation and/or its subsidiaries. 2/11
MONROE | 1735 Trevor CourtRanch, 3 bedrooms, 2 baths, 2-car garage,1,540 sq. ft. plus full unfinished basement$254,900
LINCOLN | 1727 Trevor Court2 stories, 4 bedrooms, 3.5 baths,2-car garage, mud room, 2,047 sq. ft.plus full unfinished basement$279,900
JEFFERSON | 1731 Trevor Court2 stories, 3 bedrooms, 3 baths, 2-cargarage, upstairs laundry, 1,849 sq. ft.plus full unfinished basement$264,900
ROOSEVELT | 1736 Trevor Court2 stories, 4 bedrooms, 3.5 baths, 2-cargarage, formal dining, upstairs laundry,2,214 sq. ft. plus full unfinished basement$289,900
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February 19, 2011 Times-Call / Home & Real Estate Weekly 5
Paulding’s polemic on slavery a difficult sellRefis expected to fall,along with home prices
Your
Source
to all
things
Home
& Real
Estate!
www.HomeandRealEstateW
eekly.com
By Marcie Geffnerbankrate.com
If you own a home or want to buy or sellone in the next few months here are indus-try trends worth watching.Mortgage refinancing is expected to ex-
perience a “very steep drop” in 2011 com-pared with 2010, according to MichaelFratantoni, vice president of research andeconomics at the Mortgage Bankers Associ-ation in Washington, D.C.The prospect of higher interest rates on
home loans is one reason for that outlook,but not the only one.Homeowners who have ample equity,
sterling credit and steady employmentprobably refinanced at least once in 2009or 2010, locking in low fixed rates andconsequently, have little or no incentive torefinance again in 2011, Fratantoni says.Those who didn’t refinance in the last
two years due to inadequate equity, unsta-ble employment or impaired credit proba-bly won’t do so this year either because,while still-low interest rates may create anincentive, those challenges will remain.“Trillions of dollars’ of mortgages that
on paper, look like they would be candi-dates, haven’t (refinanced) yet, and wedon’t see them as a large factor in the yearahead,” Fratantoni says.It’s no secret that it’s more difficult to
qualify for a home loan today than it wasin the past. That’s unlikely to change anytime soon, Fratantoni says.The tight lending guidelines are the re-
sult of lenders’ new conservative attitudetoward the risk of bad loans and the realpossibility that Fannie Mae or Freddie Macwill force them to repurchase sold-offloans, sometimes due to technicalities.When lenders are forced to buy back loans,
they lose money.Lenders are being “extremely cautious”
and asking for “voluminous documenta-tion,” Fratantoni says.For borrowers, that can mean multiple
credit checks, income verifications and ap-praisals.Borrowers seeking a low down payment
loan insured by the Federal Housing Ad-ministration, or FHA, will be subjected tohigher standards in 2011, due in part tolenders’ added-on requirements, known as“overlays.”Now is supposed to be a great time to
buy a home. Mortgage rates are low andprices have fallen. The combination makesdwellings relatively more affordable. Plentyof homes are on the market, and inflationpresumed to be on the horizon, couldboost home values over the long term.Yet many would-be buyers remain on
the sidelines. A third-quarter survey byFannie Mae found that 33 percent of thoseasked said they were more likely to rentthan to buy their next residence.The recent rise in mortgage interest rates
should be “an alarming event” for anyonewho wants to buy in the next few years,says Sean O’Toole, CEO of Foreclosur-eRadar.com in Discovery Bay, Calif. “Thatshould have them thinking about buyingsooner rather than later,” he says. “If ratesdo go up, prices will come down, so it’sprobably a wash, but it will still be a bitterpill if you locked in at 8 percent and yourneighbor has a 3.8 percent loan.”Selling a home will be a challenge due in
part to a dearth of qualified buyers and thehuge “shadow inventory” of homes thatare stuck in the foreclosure process, but arenot yet on the market.
By Helaine Fendelman and JoeRossonScripps Howard News Service
Dear Helaine and Joe: I have abook titled “Slavery in the UnitedStates.” It is in fair condition andmeasures 6.5 by 4 inches; the authoris J.K. Paulding. How much it isworth? Thank you. – D.D.
Dear D.D.: This is an interestingbook, but in today’s world, it is abhor-rent because it is a vigorous defense ofslavery.Novelist James Kirke Paulding, a na-
tive New Yorker, entered the world onAug. 22, 1778, and, along with hisfriend Washington Irving, produced aperiodical titled “Salmagundi; or theWhim-whams and Opinions ofLauncelot Langstaff, Esq. & Others.”Paulding produced a number of im-
portant works during his literary career,
including “The Diverting History ofJohn Bull and Brother Jonathan,” “TheDutchman’s Fireside” and “Lion of theWest,” a theatrical spoof of Davy Crock-ett and one of the most performed playson the American stage before “UncleTom’s Cabin.” He was also a governmentofficial, and his political career includeda stint as secretary of the Navy underPresident Martin Van Buren from 1838to 1841.Most important is the condition, and
because we cannot see the binding, weare not sure that it is still present. Whatwe do see is that the pages are extensive-ly foxed, a term that refers to ugly spot-ting.If the book belonging to D.D. has all
its pages (important) and still has itscloth cover, its insurance-replacementvalue appears to be in the range of $275to $375. A lesser condition would meana somewhat lower value.
Diane Stow,ABR, CRS, GRI,SRES, CDPE
BROKER ASSOCIATEDiane’s Direct Line:
303-827-7046Re/Max Traditions, Inc.2204 18th Avenue(303) 772-3800
VISIT:
TO SEE ALL OF DIANE’S LISTINGSWith Detailed Information, Multiple Photos & Virtual Tours,
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51 21st Ave.-#3551 21st Ave.-#35Very nice townhome stylecondo. 3 Bed, 2 Bath, w/1120+/-tot.sq.ft. SpaciousMain floor master with lg.walkin closet. Main flr laun.Newer carpet. & 50 gallon H20heater. All appl. included.LivingRoom with gas fireplace.Newer interior paint. LIGHT& BRIGHT unit. No Snow toshovel or grass to mow!
Singlecargarage$137,500$137,500
2031 Diamond Dr.2031 Diamond Dr.CHANGES JUST MADE
to this Custom 2 Story!1/3+ acre. 4 Bed, 3 Bathw/4675+/-Tot.Sq.Ft. Main flrstudy/5th bedrm, 3/4 bathw/ NEW vessel sink, granitecounter & tile flr there &in laun. New slab granitecounters & undermountsink in spacious eatin kitch.w/cherry cabinetry. Lg. formaldin. Lg. bedrms up & unfin.bsmt. Inviting Screened patio
& Much More!$495,000$495,000
836 Wade Road836 Wade RoadWonderful Ranch style hm.W. Longmont! Close toGolf Course! 2 Bed, 2 Bathw/1091+/-tot.sq.ft. Great Rmw/ vaulted ceiling, ceiling fan& frplc. Kitch. appli. incl. Masterw/ ceiling fan & priv. full bath.2nd bedrm shares Jack-n-jill 3/4 bath w/ att. laun.rm. Att.2-cargar. w/ workbench & cabinets.Priv. fenced bkyd. with lg. patio& auto spr. Syst. on E. sideof home for shady evening
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• Approximately 2, 492 Finished Sq. Ft. + Bsmt• 4 Bdrms, 3 Baths, 3 Car Garage• Wired for WiFi, Close to schools• Great Commuting Location• 15’x 9’ Loft, Open Floor Plan
350 TERRA VISTA ST, BRIGHTON$255,000 VONNIE FALCE
• Ready to move in, 3 Bedrooms, 3 Baths• 42”Cabinets, Island, Wood Floors Kit• Main Floor Study, Upstairs Loft• Main Floor Laundry, Formal Dining Rm• Beautiful Back Yard, Large Patio
6583 UTE HWY, LONGMONT$499,500 KYONG BRONDT
• RARE OPPORTUNITY!• 2.1 Acres With Water Rights• 2400 SF Heated Workshop With Office• 3 Bedroom, 2 Bath Brick Ranch• NEW SEPTIC SYSTEM
3812 SETTLER RIDGE DR, MEAD$172,900 VONNIE FALCE
• 3 Bedrooms 1 Full Bath• Large Eat-In Kitchen• Oak Cabinets & New Hardwood Floors• 2 Car Garage• Call Vonnie Falce 303-589-9821
8 PRINCETON CIRCLE, LONGMONT$325,000 JAN KANEMOTO
• 4 Bedrooms, 3 Baths• Large 1/3 Acre Lot• Large Living and Family Rooms• Eat-In Kitchen• 2 Car Garage
2236 20TH ST, LONGMONT$299,500 JAN KANEMOTO
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6 Times-Call / Home & Real Estate Weekly February 19, 2011
It’s time to pruneIt’s nearing time for bud swell on many
of our woody plants, which is a welcomesign for gardeners in spring. After the colddescends and frosts the breathin our lungs, the warm up thatfollows gets our sap rising aswe head out to the landscape.We pretend that we’re just
out to get some fresh air, butwe’re only fooling ourselves;we can’t walk the yard withoutwanting to do something to it.Now that we’re out of the deepfreeze for a few days, this is theperfect time to prune.Woody plants suffering
snow damage, needing acanopy thinning or renewalfrom old age will benefit from a nice hair-cut, but clipping a plant that needs prun-ing can be a little daunting. Betweenbranches going everywhere and a desire tokeep the plant looking nice, many garden-ers freeze at the brink of making the cuts.What stays and what goes? Will the plantlook nice after the pruning or will it cryout for a giant hat to cover the blunder?Pruning need not be a reason for panic.
Start simply by removing any broken orcompeting branches; often this thinningreveals other places that need a trim. Com-peting branches are those that rub againstone another or block other shoots. Thisrubbing causes wounds in the bark that al-lows disease to enter.Once this is completed, stand back and
look over the plant to see if the pruning forhealth has left the plant misshapen, andconsider what other cuts will help theplant maintain its form. Pruning is not arace, and gardeners who flail about with asharp tool and no plan can expect to havestartlingly awful plant shape. Considera-tion of the plant’s form is as important asthe cuts themselves.Removal of up to one-third of the plant
will be fine, provided the tree is young.Should it be more mature, removal of up toone-quarter of the overall plant is the limit.
Truly ancient trees should begiven even greater care; don’ttake off more than 10 percent inone season.If you choose to partially
prune a branch, and not take thewhole thing off at the trunk,make the cut (called a headingcut) one-quarter inch in front ofa growing bud. Choose a budthat will grow in a direction thatis outward from the plant andwill not cross other branches.Should the entire branch
need to be removed, make thecut one-quarter inch in front of the branchcollar. The collar is a ridge of slightlythickened wood surrounding the junctionof branch to trunk. If care is taken not tonick this collar, the wound will seal overand the tree will remain healthy. Longerstubs of more than a quarter inch will notallow the tree to seal the pruning cut, andlook nubby and unsightly on the tree.Cut out water sprouts and basal suckers
(the vigorous upright growth shooting upfrom branches or from the base of thetree). This type of growth is usually weak,doesn’t attach to the branch strongly andcan be pruned completely off.There’s no need for wound paint or
sealants; the tree will seal off the wound it-self. Remember to go slow. There are morewarm days ahead of us and you can clip afew branches here and there as spring ap-proaches.
Carol O’Meara is a horticulture entomologist withthe Colorado State University Extension office atthe Boulder County Fairgrounds in Longmont.Contact her by calling 303-678-6238 or [email protected]. For more gardeningtips, check out her blog at gardeningafterfive.word-press.com.
Carol O’MearaColorado State
University Extension
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1-3 Anchorage Court, LongmontThis is the perfect investment property!www.1.wkre.com $225,000Barb Bashor 303-775-2994
2025 Braeburn Court, LongmontHighest quality on 1/2 ac. w/views!www.2025.wkre.com $900,000Elaine Collins 303-947-6129
1608 Flemming Drive, LongmontUnbelievable pristine home-quiet area!www.1608.wkre.com $179,900Dene Yarwood 303-808-0076
1559 Centennial Drive, LongmontAffordable brick ranch style home!www.1559.wkre.com $143,500Craig Cowley 303-589-4009
930 Button Rock Dr., Q-102, LongmontTownhome shows like a model home!www.930.wkre.com $158,000Craig Cowley 303-589-4009
2435 Boxwood Court, LafayetteHuge culdesac corner lot w/4/3/2!www.2435.wkre.com $437,000Dene Yarwood 303-808-0076
1238 Lincoln Street, LongmontRare find-lots of room-brick ranch!www.1238.wkre.com $215,000Cathy Bickell 303-541-1921
1642 Harvard Street, LongmontGreat NW home near McIntosh Lake!www.1642.wkre.com $132,500Craig Cowley 303-589-4009
LONGMONT & SURROUNDING AREAS
OPEN SUN 1-4
303-709-6990 CELL303-774-6531 OFFICE
CRS, GRI, SRES, ABR, CLHMS
5280 Magazine2010 Five Star Real Estate Agent
Mimi MillerRealty
MIMIMILLER.NET
GO TO MIMIMILLER.NET TO VIEWGO TO MIMIMILLER.NET TO VIEW THE PROPERTY.THE PROPERTY.
4206 Arezzo Drive$282,500
Desirable SouthwestRenaissance locationlocated within walkingdistance to schools andparks. This 3 Bedroom,3 bath pristine cleanhome is beautifullylandscaped. Openfloor plan with vaulted
ceilings. Kitchen features 42” cherry cabinets withgas stove. Lots of extras including ceiling fans, AC,fireplace/entertainment center. Magnificent views fromupstairs. Beautiful Master Bedroom/Bath. This Hamletmodel includes 1527 finished sq. feet and a 686unfinished basement with rough- in plumbing.
07-1
6295
1
NEW LISTINGNEW LISTINGOpen House Saturday 1-3Open House Saturday 1-3
February 19, 2011 Times-Call / Home & Real Estate Weekly 7
Home loan programs are changingRecently, someone stated that they
thought the banks still didn’t get it, with100 percent loans continuing to be adver-tised. After all, they said that is why every-one is in trouble.The truth is, a 96.5 percent FHA loan up
to 100 percent loan in itself is not the prob-lem. The problem lies in the rules used toimplement such a loan.In the past, the guidelines
state that a borrower could havea front-end ratio of about 28percent and a back-end ratio of36 percent. But in the early2000s lenders were allowing ra-tios up to 70 percent, whichdidn’t leave much room to payfor food, gas or even taxes.The front end ratio was the
monthly house payment dividedby gross monthly income, andthe backend ratio was themonthly payments includingthe house, car, school loans, credit card, al-imony and whatever was a fixed monthlyobligation added together and divided bythe gross monthly income.Today, contingent somewhat on the
amount of money down, people find thetop end to be closer to a 47 percent backend debt-to-income as they try to qualifyfor a loan. That might mean debts need tobe paid off before people can buy a house,to get the debt to income ratios in order toqualify, and in order to qualify for anamount affordable for a buyer. However, itis important before a person goes guessingto consult a local mortgage professionalwho can help guide people with payingdown debts versus saving for a down pay-ment.With 30 year mortgage rates recently
surging up above 5 percent again, it may bebetter to buy sooner than later, before inter-est rates and housing prices go up and edgepeople out of the market completely.Let’s get back to the 96 percent or more
loan. Some of the problems came when theratio was being figured with “stated in-come” and non-verified assets. The ruleshave definitely changed. Finding a statedincome loan and/or non-verified assets loanis virtually impossible. In fact, mortgagelenders are now required to determine thatborrowers have adequate income to supportthe monthly payments. Lenders are also re-quired to document where the down pay-ment is coming from. It has been proventhat if homebuyers have put their ownmoney into the purchase of their home,they are far less likely to walk away fromthe home.In Colorado, mortgage lending is now
regulated by the Department of RegulatoryAgency and part of their requirements in-clude 40 hours of training, and that lendersare licensed, tested, bonded and insured.This has resulted in more than 5,000
lenders no longer doing business in Col-orado, which has led to not only havingguidelines, but having to operate to them,lest an unwary consumer get upside downbefore they are even right side up.If loans continue to originate within the
intended ratios, new buyers will be able toafford their homes. The most critical thing
will be maintaining employ-ment, and not using home equi-ty to continue to draw value outof a person’s home for deprecia-ble purchases, such as cars andtoys. Has this slowed down themarket? Yes. But fundamentally,it will lead to a stronger finan-cial base for homeowners.Schools could be teaching
earlier in life (high school) thatreal leverage is paying cash fordepreciable assets and financingappreciating assets like homes.The point is, paying cash for a
car should not come at the expense of adeeper loan on a person’s house. If a personis financing a depreciable asset, it is best tohave a short term strategy for early payoff,to be prepared for the other surprises lifemay serve in the near future.So far, the mortgage interest deduction is
still safe as one of the few tax breaks given,and the IRS is now monitoring increasedloan interest above the initial amount bor-rowed for a purchase. It is not such a goodplan anymore to keep using the house as acredit card. Rather, consider holding it as agood long term investment where a personcan lay their head at night and decorate totaste.Homeownership matters. According to
the National Association of Realtors re-search release on Feb. 7, the apartmentmarket is coming into 2011 with strength-ening fundamentals with lower vacanciesand rising rents. Data from CBRE Econo-metric Advisors projects rents to increase1.4 percent during 2011. That is one thing ahomeowner has more control over oncethey lock their purchase and payments.
Dave Wagner is the president of the Longmont As-sociation of Realtors. Contact him by calling 303-684-6356, e-mailing [email protected] visit the association’s website at www.longmontrealtors.com.
Dave WagnerLongmont Association
of Realtors
970-532-5096www.berthoudrealestate.com
Historic Downtown Berthoud 9,350sf commercial bldgw/ 65’ of Mountain Ave frontage! Private office, remod-eled BA & kitchenette. Many possibilities! $350,000.For more info call, Gary Maggi, 970-692-2002.
321MountainAve.
Berthoud
07-1
5855
4
www.coloradohomes.com/Longmont
Featured Listings
Sunday 02/20 2:00pm – 4:00pmBERTHOUD $170,000
Christine Torres 720-320-1405
925 Franklin Ave.
Saturday 02/19 11:00am – 1:00pm
FIRESTONE $285,000
Ann Napier 303-775-5234
10163 Sandy Ridge Ct.
Saturday 02/19 1:00pm – 3:00pm
LONGMONT $199,900
Janie Larson 720-937-2676
950 Granite
Sunday 02/20 11:00am – 2:00pmMonday 02/21 11:00am – 3:00pm
LOVELAND $219,900
HOSTED by Janie Larson 720-937-2676
3644 Sheridan Ave.
PLATTEVILLE $186,0003 Bed/2 Bath/ 3 Car Garage
Gorgeous Ranch! Full Bsmt! EZ Commute!
Sherry Ankrum 303-588-4228
726 Rodgers Circle
Saturday 02/19 11:00am – 1:00pm
LONGMONT $180,000
Lorrie Cragg 720-839-4106
1404 Whitehall Dr. Unit E
ERIE $264,0004 Bed/3.5 Bath/ 2 Car GarageMulit-level home on huge lot!
Sally Grenier 303-475-4508
193 Maplewood Dr.
BERTHOUD $389,0004 Bed/3.5 Bath/ 2 Car Garage
5 acres horse set up, Move in ready Home
Lynn Stevenson 303-324-1891
1616 N. CO RD 23
LONGMONT $181,0004 Bed/3 Bath/ 2 Car Garage
MUST SEE
Christian Anderson 303-817-5934
2127 Wright Ct.
Saturday 02/19 11:00am – 3:00pm
FIRESTONE $265,000
Yvette Pereira 303-834-5018
6754 Silverleaf Ave.
Saturday 02/19 11:30am – 1:30pm
LONGMONT $442,500
Judy Whitaker 303-829-0484
1982 Lochmore Dr.
Sunday 02/20 3:00pm – 5:00pm
LONGMONT $299,900
HOSTED By Janie Larson 720-937-2676
1738 Judson Dr.
LONGMONT $263,9004 Bed/3 Bath/ 2+ Car Garage
AWESOME 2670 Sq. ft. MUST SEE
Michelle King 303-591-3941
1620 23rd Ave.
LONGMONT $180,0003 Bed/2 Bath/ 1 Car Garage
Short Sale Approved – close quick!
Cindy Montgomery 720-373-9235
1043 Gay St.
BOULDER $749,0004 Bed/3 Bath/ 2 Car Garage
Top of the world views!
Jeff Jorissen 720-358-2833
181 Chapman Rd.
PLATTEVILLE $204,9004 Bed/4 Bath/ 3 Car Garage
Cute House on Old Homestead Farm
Kirsten Davis 720-363-1783
458 Soar Ln.
OPEN HOUSE
OPEN HOUSE
OPEN HOUSE
OPEN HOUSE
OPEN HOUSE
OPEN HOUSE
OPEN HOUSE
OPEN HOUSE
950 Granite
1738 Judson
1982 Lochmore Dr
1404 Whitehall Dr
8 Times-Call / Home & Real Estate Weekly February 19, 2011
www.HomeandRealEstateWeekly.comYour source for local home and real estate news, as well as a comprehensive
home search function powered by ColoProperty.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
$749-$899 $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
www.utecreekapts.com
Starting at$825 $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 Shores at McIntosh Lake2450 Airport Rd. • 303-774-8000
$729-$1200$100$200$300
1,2,& 3 1,2Yes
Short 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
$610-$990 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. HUGEamenities package, quiet 55+ community. Call for
incentives!
Com
plex
Nam
e
Add
ress
Pho
ne
Long
mon
t,CO
February 19, 2011 Times-Call / Home & Real Estate Weekly 9
2 BDRM APT´s-Starting at $645, some with
Move-in Specials!Call PMP, 303-776-RENT
2 Bdrm, 1 ba, lge, completeremodel- W/D, A/C, deck,N/P/S. 2041 Meadow Dr.
$840 303-443-4308
1 & 2 BDRMApt HomesFox Ridge Apts PremierGated Community. PetsOK!For Info & SpecialsCall (303)774-9944
✭✭✭✭✭✭✭✭✭✭✭✭✭1, 2 & 3 BDRM
Apartment HomesThe ShoresApartments,
Hwy 66 & Airport Rd(303)774-8000
✭✭✭✭✭✭✭✭✭✭✭
1 1/2 BDRM trailer, newlyrenovated, carport, stor-age, private, close to bus.N/P, lse, refs, Pratt &So Main, $550 inc utils.
303-507-3457
Apartments/Unfurnished 4030
NO lease, dep or credit chkWkly/4-wk • 303-776-2185• ALSO RV SITES AVAIL!
Apartments/Furnished 4010
Needs 1 bedroom, all util.incl, W/D hook up, 1st fl,$750-$875 max. 720-252-1805
WantedTo Rent 4170
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]
CLOVERBASINVILLAGE(303)485-0512630 Peck Drive-Longmont West onNelson/Airport Rd
1 Bedroom 1 Bathas LOW as $7102 Bedroom, 2 Bathas LOW as $8003 Bedroom 2 Bathstarting at $8503 Bdrm TownhousesStarting at $999
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
APTS YOUR CHOICE!www.alertrealty.net
● 2 BDRM, $6852011 Terry, partly furn.,
NP/NS- 303-570-0402.
Apartments/Unfurnished 4030
LE DEAUVILLEAPARTMENTSROOMY & READY1 Bd From $5752 Beds From $610Great LocationLarge Units
Park Like SettingAmple ParkingA/C & Pool
303.772.3737
05-1
5978
7
SMALL 2 bdrm, mobilehome in Erie, W/D, Nopets. $585. 735 Kattell #107.303-828-4803 or 303-722-3502
leave message
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
EASTGLEN APTS630 Lashley, Longmont
(303)682-29431, 2 & 3 BEDROOMS:
laundry.✭Wtr, trash, sewer pd
Apartments/Unfurnished 4030
APARTMENTS
2400 17th Avenue, Longmont, Colorado 80503
303-772-4667303-772-4667*www.victoriainnapts.com
05-1
6201
6
• 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 $749• Two bdr, 2 bath starting at $899
VALUE PLACEFIRESTONE
New ExtentedStay Hotel
● $179* WEEKLY
or● $549
1st MONTHSPECIAL!
✓ Perfect for visitingfriends & family!
I-25 & Hwy 119,Longmont exit 240.
303-485-0040
Bring ad to qualify.*Expires 1/31/2011*New Guests Only*
Apartments/Unfurnished 4030
Apartments/Unfurnished 4030
Duplexes 4060
Cutest TH! End unit,3 bdrm, 2.5 ba, part finbsmt, walk to sprmrkt &rec ctr. $1195. 303-776-6715
3 bdrm, 2 ba, W/D hkup,A/C, $900/mo + dep, petsnego. Frdrk. (303)833-1723
2 BDRM, 1 ba, No smk/pets. 225 E. 8th Ave. $695/mo + $695/dep. 303-678-8663
Condos/Townhouses 4050
WAREHOUSE/SHOPI-25 North, Exit 245,50’ x 60’, 16’ ceiling,
2 OH doors, 3-phase elect.Rent nego. 303-546-6881
Commercial/Industrial 4040
WHY RENT?Own a home for$O Down!
Do you qualify?Call Devin O´Branagan
ERA Tradewind
303-775-0710
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
Duplex/Condo2 Bedroom• 50 19th Ave
Call PMP, 303-776-RENT
2 BDRM, 2 BA, A/C, gar,lrg fncd yd, Dog OK.
On cul-de-sac. 5 MartinezPlace, $960. 303-443-4308
1 BDRM, W/D hkup,utils pd. $725/mo, no pets.(303)772-9650 after 5pm
0 App Fee-$100 off 1st 2 mosLg 3 bdrm, 2 ba, gar, waterpaid. No dogs. 303-682-2525
Duplexes 4060
3 bdrm, 2 ba, gar, fncd yd.Sm dog only. 420 Tungsten$1190/$1190. (303)775-1495
2 BDRM, 1 ba, gar, woodflrs, 1034 Aspen, No smk/pets/ $925/mo + $925/dep.(303)678-8663
2- 4 Bedroom Homes• 19 Reed • 230 Terry St
• 14567 N. 107th St• 2981 Bellmeade Way• 655 Rider RidgeCall PMP,
303-776-RENT
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
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
OFFICE/WAREHOUSE SPACE3.860 sq ft with 50% beautifuloffice Area. All a/c, overhead
door, near I-25$4.40/sq ft NNN
76 Industrial Spaces for LeaseCan be Viewed at
www.longmontcommercial.com
07-162979
Ken Kanemoto303-772-2222
500 to 2500 SF, can divide.On site prkg, Good trafficexposure. 303-523-3369
$250/month, 110-5000 sq. ft.,2432 Main, Four SeasonsRealty. 303-875-1345.
Office Space 4100
2 BDRM, mobile home inErie, $600/mo + dep, mo tomo only. (303)828-4031
1 1/2 BDRM trailer, newlyrenovated, carport, stor-age, private, close to bus.N/P, lse, refs, Pratt &So Main, $550 inc utils.
303-507-3457
Mobile Homes/Spaces 4090
WESTLAKE- Avail Immed5 bdrm, 4 ba, N/S/P,
Hygiene Elem. $1700 + +Niwot RE, Barb Ponesse
(303)419-3551
NEWER 3 bdrm, 3 bathhome, 2 car gar, NW loc.
$1450, (303)514-3706.
Houses 4080
10 Times-Call / Home & Real Estate Weekly February 19, 2011
303-772-7576629 Terry St., Longmont
www.longmont-realty.comwww
LONGMONTREALTY
07-162948
24 EMPSON DRIVELots of finished square feet!2 bedrooms, 2 baths on largeSouth facing lot. Add yourcarpet and paint and call thisone home ... $154,900
807 TEMPTEDWAYS DR.Lovely condo in Prospect NewTown. 3 Finished levels with 3bedrooms, 3 baths, 2 car garage.High vaulted ceilings, brazillianredwood floors and great outdoordeck. All this for just $274,900
3918 CENTRAL ST,EVANSUnbelievable value for thisterrific 1/2 duplex unit inmove-in condition completewith 2 car garage. Great price,Great location for just $56,000
303-772-7576629 Terry St., Longmont
www.longmont-realty.comwww
LONGMONTREALTY05
-162
556
10571 FOURMILECANYON DR, BOULDERSuper mountain property forthe relaxed lifestyle. 2+ acresof beauty, bubbling stream andwildlife. Lots of open room toexpand this 2 bedroom, 1 bathcharmer... $224,900
1718 LASHLEY ST.Great views, lots of potential!Ranch home with finishedbasement, large back yard, Southfacing for easy shoveling! 3bedrooms, 2 baths, 2 car garagefor just $154,900
Longmont 5090
Male, looking for aninexpensive roof over your
head? 720-203-6969
RoommatesWanted 4120
PROFESSIONAL OfficesN. Longmont. 150 to 825 SF.Single & 3 office suite.All ground level, 2 entr,great prkg. 303-956-1141
OFFICE SPACE For RentHolistic Wellness Center.
(720)280-9047
255 WEAVER PARKCLASS “A” second
floor office space forlease or sale. Common
area, conferenceroom, elevator,mountain views.1 yr Free Rent!
Don Rulle, CCIM303-772-2222
07-1
6297
7
Office Space 4100
Check out the pet columns inclassifieds for that special
companion you’re looking for.
Longmont 5090
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
Private- 2bdrms, 1ba,Newer Home $750/mo utilinc, w/d, wi-fi, 720-272-2645
Non-smoker/drinker $450/mo w/util + Dep. Furnbdrm &ba. 303-776-4369
RoommatesWanted 4120
click on Submit an Ad
I can place myad when I want to.
303-776-7440
Convenience!
06470344 2x8c
www.TimesCall.com
Open House- SAT 2/19 2-4Below Market @ $257,9003 bdrm, 1 ba, 2 car, biketrails & parks. 155 S. Tyler303-459-2711 or 303-725-8388
Louisville 5106
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
PRIME Real Estate, 6800+Sq Ft bldg on busy Hwy 36to Estes Park. Corner lot indowntown historic district.
Lyons, (303)709-6162
Business 5025Opportunities
Real Estate
CommercialReal Estate 5030
LYONS 2 bdrm 1ba mobilehome, shed. No dogs. $420/mon lot rent. $12,000 noowner finance. 303-827-9185.
Lyons 5120
IND. BLDG FOR SALEGreat Owner Financing Terms12,065 sq ft with dock - Divisible
$795,00039 Industrial Properties
for Sale can be viewed atwww.longmontcommercial.com
07-162978
Ken Kanemoto303-772-2222
CommercialReal Estate 5030
2 ACRE LOTS WEST OFBERTHOUD. Great Views!$149,900. Fred @ Four
Seasons Re, (720)494-2133.
Lots & Tracts 5100
✭Opportunity Time✭4 Bedroom, 3 bath,2 car garage bi-levelin south Longmont.
Call for details. $179,000
Heidi & Helena buy houses!$ SAVE YOUR CREDIT $303-725-8388 / 303-459-2711
A pictureis worth a
thousand wordsTry a color
classified picturead today!
Call for details.303-776-7440
Longmont 5090
Comfy Mobile HomeSunny 12 x 60 mobile homein quiet, central Lgmt. 2bdrm, 1 ba, carport, coverdporch Adult park, age 55+.
303-604-5235
Brand NewHome!!$69,900
Beautiful 3 bed 2 bathlot rent special!
● Swimming pool● Clubhouse● Playground● New fitness room
Financing availablePet Friendly
Sun Homes atEagle Crest1-888-649-5616
4eaglecrest.com
3 BDRM, 1 BA, new carpet,W/D, carport, Lgmt adultpark age 55+, 970-215-1819
1993 BERTHOUD mobilhome, rent to own. 2 bdrm,1 ba. (970)215-1819
Mobile/ 5130ManufacturedHomes/Spaces
Wanted: CBT units(720)204-7900
Water Rights 5200
Own this homefor $599.00*
Beautiful 3 bdrm/2 baJUST REDUCED!
$18,900!• Swimming pool• Clubhouse• Playground• New Fitness Center
Financing AvailablePet Friendly
Sun Homes atEagle Crest1-888-649-5616
4eaglecrest.com✓ Expires 2/28/2011
*WAC 10% down payment10.5% interest 180 monthsincludes $379.00 site rent for36 months w/$25.00 increases
Mobile/ 5130ManufacturedHomes/Spaces
Are YouHome
Shopping?
Homeand Real
EstateWeekly
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Every Saturday
in the
February 19, 2011 Times-Call / Home & Real Estate Weekly 11
Real Estate Transactions are suppliedby Prospects Unlimited Inc., 1151Eagle Drive Ste. 467, Loveland, CO80537.
Longmont• Sudhir & Trupti Shah from
Fannie Mae, 2049 Estes Ln Unit2, Longmont, $64,500, condo• Jessica Risager from Ramp
2005RZ2, 235 River View Ct,Longmont, $201,000, home• ABC LLC from Maria Cer-
vantes, 215 Main St, Longmont,$569,000, home• Arturo Barrios from Citifi-
nancial Inc, 1160 Longdon St,Longmont, $95,000, home• TLD Inc from Deutsche
Bank National Trust, 1064 Town-ley Cir, Longmont, $94,200,home• Martha Edelstein from
Thomas Souvignier, 1117 Chest-nut Dr, Longmont, $370,000,home• Joyce Knijff from Fed Home
Loan Mtg Corp, 1816 StratfordLn, Longmont, $180,500, home• David Mahan from Deidra
Gilbert, 2019 Terry St Unit 2,Longmont, $110,000, condo• Carolee & Timothy Preston
from US Bank National Trustee,725 Francis St, Longmont,$133,300, home• Shadi & Christopher Ramey
from Joan Weatherly, 6521 SaintVrain Rd, Longmont, $325,000,home
Allenspark• Denise Motta from Wilma G
Bryson Living Trust, 129 CountyRoad 90, Allenspark, $95,000,home
Berthoud• Janelle French from Tyler
Marr, 604 Bristlecone Ct,Berthoud, $242,000, home
Erie• Susan Mueller from Caren
Craig, 1683 Bain Dr, Erie,$241,000, home• Eric & Amanda Koperski
from Kenneth Harms, 2063 Am-ber Ct, Erie, $249,000, home
Firestone• Deborah & Daniel Tietze
from Fannie Mae, 10132 FalconSt, Firestone, $182,000, home
Fort Lupton• Richard Hein from Mile Hi
Invest LLC, 10321 Highway 52,Fort Lupton, $440,000, home
Niwot• Pancal LLC from Panattoni
Dry Creek LLC, 6303 Dry CreekPkwy, Niwot, $10006,800, home
Foreclosures – notice of electionand demand• Borrower: Sarah Phelan,
Lender: Wells Fargo Bank NA,Amount: $9,425, Property: 8060Niwot Rd 21E, Batesburg, Filed:02/04/11• Borrower: Jon & Erica Eg-
gers, Lender: Aurora Loan Ser-vices LLC, Amount: $1,010,774,Property: 2836 Center Ridge Dr,Berthoud, Filed: 02/08/11• Borrower: Jamey & Jonathan
Sander, Lender: PHH MortgageCorporation, Amount: $160,681,Property: 512 Redwood Cir,Berthoud, Filed: 02/09/11• Borrower: George Ramsey,
Lender: BAC Home Loans Ser-vicing LP, Amount: $27,015,Property: 1214 Mac James, Da-cono, Filed: 02/07/11• Borrower: Alfredo &
Guillermina Nevarez, Lender:Provident Funding AssociatesLP, Amount: $170,684, Property:1409 Lombardi St, Erie, Filed:02/04/11• Borrower: Virginia Koller &
Kimberly Mullet, Lender: Feder-al National Mortgage Associa-tion, Amount: $267,950, Proper-ty: 3155 Blue Sky Cir 16-202,Erie, Filed: 02/03/11• Borrower: Christopher &
Carrie Mccandless, Lender:Wells Fargo Bank NA, Amount:$262,146, Property: 2082 IndianPaintbrush Way, Erie, Filed:02/04/11• Borrower: John & Jacqueline
Palmer, Lender: Wells FargoBank NA, Amount: $377,635,
Property: 2910 Steeple Rock Dr,Erie, Filed: 02/07/11• Borrower: Larry & Vicki
Alderson, Lender: BAC HomeLoans Servicing LP, Amount:$332,069, Property: 1841 Park-dale Cir N, Erie, Filed: 02/07/11• Borrower: John Stodola,
Lender: Bank Of America NAAmount: $224,232, Property:10498 Foxfire St, Firestone,Filed: 02/03/11• Borrower: Mark & Julie
Todd, Lender: US Bank NationalAssociation, Amount: $280,948,Property: 5973 Tenderfoot Ave,Firestone, Filed: 02/04/11• Borrower: Jean Haskovec,
Lender: Wells Fargo Bank NA,Amount: $132,428, Property:251 Ponderosa Pl, Fort Lupton,Filed: 02/04/11• Borrower: Lattimer & Nancy
Bohling, Lender: Bank OfChoice, Amount: $443,997,Property: 10501 County Road 251/2, Fort Lupton, Filed: 02/07/11• Borrower: Kelly Musick,
Lender: Wells Fargo Bank NA,Amount: $167,494, Property:640 Gooseberry Dr 1007, Long-mont, Filed: 02/03/11• Borrower: Kevin Schrantz,
Lender: JPMorgan Chase BankNational Association, Amount:$891,139, Property: 8939 NelsonRd, Longmont, Filed: 02/04/11• Borrower: Read Otto,
Lender: Chase Home FinanceLLC, Amount: $196,836, Proper-ty: 7180 Mount Sherman Rd,Longmont, Filed: 02/04/11• Borrower: Dennis & Rox-
anne Smith, Lender: US BankNational Association, Amount:$181,497, Property: 843 E 4thAve, Longmont, Filed: 02/04/11• Borrower: Eric & Nadine
Goranson, Lender: Wells FargoBank NA, Amount: $147,957,Property: 1840 Juniper St, Long-mont, Filed: 02/07/11• Borrower: David & Linda
Clayburn, Lender: US Bank Na-tional Association, Amount:$247,039, Property: 1353 Gar-
den Cir, Longmont, Filed:02/04/11• Borrower: Noe Marquez,
Lender: TCF National Bank,Amount: $169,195, Property:1248 Atwood Ct, Longmont,Filed: 02/03/11• Borrower: Pamela & John
Vancil, Lender: JPMorgan ChaseBank National Association,Amount: $143,045, Property:713 Kimbark St, Longmont,Filed: 02/08/11• Borrower: Kimberley Kline,
Lender: Premier Members Feder-al Credit Union, Amount:$680,483, Property: 2955 Break-water Dr, Longmont, Filed:02/07/11• Borrower: Alex & Rebecca
Feldman, Lender: Citibank NAAs Trustee, Amount: $640,000,Property: 6476 Eagle Ct, Long-mont, Filed: 02/07/11• Borrower: Sara Coman,
Lender: Citimortgage Inc,Amount: $104,746, Property:6877 Countryside Ln 271, Long-mont, Filed: 02/09/11• Borrower: Jennifer Bakula,
Lender: Citimortgage Inc,Amount: $219,766, Property:10655 Durango Pl, Longmont,Filed: 02/03/11• Borrower: Greg & Sheri
Farmer, Lender: Chase Home Fi-nance LLC, Amount: $166,383,Property: 10810 County Road15, Longmont, Filed: 02/04/11• Borrower: Chipper & Brissa
Valdez, Lender: Wells FargoBank NA, Amount: $176,522,Property: 10656 Butte Dr, Long-mont, Filed: 02/08/11• Borrower: Cynthia & Kevin
Floerchinger, Lender: CitigroupGlobal Markets Realty Corp,Amount: $449,600, Property:2009 Blue Mountain Rd, Long-mont, Filed: 02/08/11• Borrower: Steven Martin,
Lender: Commonwealth UnitedMortgage Company, Amount:$87,235, Property: 1517 BellaVista Dr, Platteville, Filed:02/03/11
Serving up anew dining tableBy Mary Carol GarrityScripps Howard NewsService
At Nell Hill’s, we’re seeing adefinite uptick in the number ofpeople who prefer a more casuallook in the dining room. Andfurniture makers are responding,offering an array of wonderfulchoices.We found a great selection ofdining tables at market this yearthat combine the best of bothworlds. They feature classic linesand quality workmanship, yethave a newer and fresher look.Some sport a weathered finish.Others use a stain technique thatbrings out the contrast in thewood grain.In the market for a new dining-room table? Allow me to serveup some suggestions to help youin your search.There are a number of things toconsider. Many people, as Imentioned, are going morecasual. One thing to consider ishow the table might fit in withthe rest of your home.Another key factor is space – interms of the number of peopleyou want to seat at the table andhaving suitable room for dishes.A long, narrow room – or alarge, open-hearth roomadjoining the kitchen – might callfor a table with a rectangle topand several leaves. You can“shrink” the table for times whenit’s just family and expand it toaccommodate company for aholiday or other special gathering.Pedestal tables remain popular.With such pieces, the tabletop issupported by pedestals fixed tothe center of the table.
Adapted from nellhillsblog.com, whichcan be linked from the nellhills.comhome page.
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$379,000 Longmont 503 Collyer St Appt Old Town Real Estate/Dudley 303-776-4004
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