1029 Real Estate
6
www.HomeStateBank.com 970-203-6100 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm An FHA 203(k) mortgage allows you to finance both your home purchase and renovation with a single loan. Call now to learn more. Loans and rates subject to credit approval. Owner-occupied residences only. FHA conditions and restrictions apply. Vivian DeVoe, VP Mortgage Banker, NMLS#269876, 970-227-4702 Buying a home that needs work? Call the experts in FHA 203(k) renovation financing. Think big Bank small www.reporterherald.com Saturday, October 29, 2011 Reporter-Herald Real Estate Matters • • ■ See GLINK/Page C6 P Pa ag ge e C C4 4 Inside this week’s Fall Home edition of Home & Real Estate Go green and save green with tips for your home P Pa ag ge e C C5 5 Winter Home Tips An Energy Star home is a better built home P AID ADVERTORIAL W hen buying a home you may not think about durability, comfort and energy savings as your first priority. You may think about the kitchen counters, the appliances, the master suite and the overall visual features of the home. These are all important and when those features meet your needs, you need to look at what is behind the walls. IT IS IMPORTANT TO HAVE DUCTS THAT DON’T LEAK Your home’s ducts move heated and cooled air to the living areas to make you feel comfortable. Common problems can include: • Leaky duct connections • Leaky return ducts • Furniture blocking registers • Leaks at furnace and duct tape failure • Leaky supply ducts Tight ducts ensure that the air that moves through the ducts is not lost due to leaks. This makes your home more comfortable and increases its energy efficiency. Sealing also helps improve indoor air quality by reducing the risk of dust, moisture, pollen and pests from entering the ducts and circulating throughout the house. It is just as important to properly size your heating and cooling system’s Energy Star qualified equipment to ensure that the system operates at peak efficiency. DON’T PAY TO HEAT AND COOL THE OUTDOORS Tight air sealing and comprehen- sive insulation will keep your home from leaking. Sealing your Energy Star home helps reduce drafts and noise. Insulation works when installed properly without gaps, voids or com- pressed areas. It’s like a blanket for your home, keeping you warm in the winter and cooler in the summer. Improperly installed insula- tion can waste 20 percent or more of the energy you pay to heat and cool your home. Windows are an important part of your home’s beauty. But energy- efficient windows also play a vital role in your Energy Star home. Energy Star qualified windows feature advanced technologies such as invisible glass coatings, vacuum- sealed spaces filled with gas between the panes, improved framing mate- rials, better weather stripping and warm edge spacers. Energy Star windows can block 70 percent more of the solar heat gain in the summer and reflect radiant heat indoors during winter. An Energy Star home is verified by an independent third party. The rater verifies that the insulation has Let children repair credit ILYCE GLINK TRIBUNE MEDIA SERVICES Q uestion: A few months ago, I purchased a Fannie Mae HomePath home at a great value, which I am renting to my daughter and her husband. I am able to rent to them at a price that helps their cash flow and credit re- pair process as they pay down other debt. And I make a little more in- terest on my investment (I paid cash for the home) than today’s money market rates. I want to sell my daughter and her husband the house at a very modest profit. But they are proba- bly a good year away from getting their credit score up to an accept- able level. I am not opposed to acting as the bank and doing an owner-financing contract. I am wondering if there is a company that can handle pay- ment receipts, manage the escrow accounts and disburse tax pay- ments, HOA fees and so forth, and report their progress to the credit bureaus. I’d prefer not to deal with that. Answer: There are two parts to your question. First, you have to decide whether you are better off as the owner of the home, or as a contract seller, or as a lender. Those are your three options. Whatever you choose, you can make arrangements for your daughter to take care of all of the payments relating to the home. If your daughter and her husband aren’t very good at handling their finances, owning the home may not right for them now. You might want to continue to lease the home to them until they get their act in or- der. However, if they are savvy about credit and think they can handle the expenses of owning a home, perhaps now is the time to see if they can. You might reduce the rent but put them in charge of pay- ing real estate taxes, homeowner association dues, and other expens- es such as repairs. It would be up to them to make sure those pay- ments got made on time, and that might help build up their credit history. On a separate note, there are companies out there that would al- low your daughter and her husband to keep track of all payments that go under the radar screen of most credit reporting bureaus. Since homeowner association dues, some utility company payments and rent payments aren’t ordinarily reported to the credit reporting bureaus, people like your daughter and son and law might have a hard time building their credit. Recent changes to the federal law now require lenders to consider alternative forms of credit in addi- tion to a full credit reporting pro- duced by Equifax, Experian or Tran- sUnion. Consumers can build an al- ternative credit history consisting of information on how regularly they pay their rent or car payments or auto insurance. (Full disclosure: been properly installed, the heating equipment is sized and installed properly and the ducts are tightly sealed and well insulated. This process starts with your builder working with the rater to select appropriate energy efficient features. With the energy efficient features selected, the builder then proceeds with construction of the home. Throughout the construction process, the rater performs a number of inspections. After the rater completes the final inspection and determines that all the require- ments are met, the rater will provide the builder with an Energy Star certificate of the home energy rating report. All of this adds up to lower homeownership costs, greater durability and better comfort when you have an Energy Star home. You do not have to know all of details. Instead, look for the govern- ment backed Energy Star label. Find your Energy Star builder at www.NoCOEnergyStarHomes.org . Carol O’Meara keeps an unlikely house pet Front Range Gardening P Pa ag ge e C C6 6 Decorate your home with a variety of wallpaper Wall to Wall
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Home and Real Estate section produced by the Loveland Reporter-Herald
Transcript of 1029 Real Estate
www.HomeStateBank.com970-203-6100
Check the license status of yourmortgage loan originator at
http://www.dora.state.co.us/real-estate/index.htm
An FHA 203(k) mortgage allows you to finance both your homepurchase and renovation with a single loan. Call now to learn more.
Loans and rates subject to credit approval. Owner-occupied residences only. FHA conditions and restrictions apply.
Vivian DeVoe, VP Mortgage Banker, NMLS#269876, 970-227-4702
Buying a home that needs work?Call the experts in FHA 203(k)renovation financing.
Think big Bank small
www.reporterherald.com Saturday, October 29, 2011 Reporter-Herald
Real EstateMatters
• •
� See GLINK/Page C6PPPaaagggeee CCC444
Inside this week’s Fall Home edition of Home & Real Estate
Go green andsave green with
tips for your home
PPPaaagggeee CCC555
Winter Home Tips
AnEnergy Star homeis a better built home
PAID A D V E RT O R I A L
When buying a home youmay not think aboutdurability, comfort and
energy savings as your first priority.You may think about the kitchencounters, the appliances, the mastersuite and the overall visual featuresof the home.
These are all important and whenthose features meet your needs, youneed to look at what is behind thewalls.
IT IS IMPORTANT TO HAVE DUCTSTHAT DON’T LEAK
Your home’s ducts move heatedand cooled air to the living areas tomake you feel comfortable.
Common problems can include:• Leaky duct connections• Leaky return ducts• Furniture blocking registers• Leaks at furnace and duct tapefailure• Leaky supply ducts
Tight ducts ensure that the airthat moves through the ducts is notlost due to leaks. This makes yourhome more comfortable andincreases its energy efficiency.
Sealing also helps improve indoorair quality by reducing the risk ofdust, moisture, pollen and pestsfrom entering the ducts andcirculating throughout the house.
It is just as important to properlysize your heating and coolingsystem’s Energy Star qualifiedequipment to ensure that thesystem operates at peak efficiency.
DON’T PAY TO HEAT AND COOLTHE OUTDOORS
Tight air sealing and comprehen-sive insulation will keep your homefrom leaking. Sealing your EnergyStar home helps reduce drafts andnoise.
Insulation works when installedproperly without gaps, voids or com-pressed areas. It’s like a blanket for
your home, keepingyou warm in the winterand cooler in the summer.
Improperly installed insula-tion can waste 20 percent ormore of the energy you pay to heatand cool your home.
Windows are an important part ofyour home’s beauty. But energy-efficient windows also play a vitalrole in your Energy Star home.
Energy Star qualified windowsfeature advanced technologies suchas invisible glass coatings, vacuum-sealed spaces filled with gas betweenthe panes, improved framing mate-rials, better weather stripping andwarm edge spacers. Energy Star
windows can block 70 percent moreof the solar heat gain in the summerand reflect radiant heat indoorsduring winter.
An Energy Star home is verifiedby an independent third party. Therater verifies that the insulation has
Let childrenrepair creditILY C E GLINKTRIBUNE MEDIA SE RV I C E S
Question: A few months ago,I purchased a Fannie MaeHomePath home at a great
value, which I am renting to mydaughter and her husband. I amable to rent to them at a price thathelps their cash flow and credit re-pair process as they pay down otherdebt. And I make a little more in-terest on my investment (I paidcash for the home) than today’smoney market rates.
I want to sell my daughter andher husband the house at a verymodest profit. But they are proba-bly a good year away from gettingtheir credit score up to an accept-able level.
I am not opposed to acting as thebank and doing an owner-financingcontract. I am wondering if there isa company that can handle pay-ment receipts, manage the escrowaccounts and disburse tax pay-ments, HOA fees and so forth, andreport their progress to the creditbureaus. I’d prefer not to deal withthat.
Answer: There are two parts toyour question. First, you have todecide whether you are better offas the owner of the home, or as acontract seller, or as a lender.
Those are your three options.Whatever you choose, you canmake arrangements for yourdaughter to take care of all of thepayments relating to the home.
If your daughter and her husbandaren’t very good at handling theirfinances, owning the home may notright for them now. You might wantto continue to lease the home tothem until they get their act in or-d e r.
However, if they are savvy aboutcredit and think they can handlethe expenses of owning a home,perhaps now is the time to see ifthey can. You might reduce therent but put them in charge of pay-ing real estate taxes, homeownerassociation dues, and other expens-es such as repairs. It would be upto them to make sure those pay-ments got made on time, and thatmight help build up their credithistor y.
On a separate note, there arecompanies out there that would al-low your daughter and her husbandto keep track of all payments thatgo under the radar screen of mostcredit reporting bureaus. Sincehomeowner association dues, someutility company payments and rentpayments aren’t ordinarily reportedto the credit reporting bureaus,people like your daughter and sonand law might have a hard timebuilding their credit.
Recent changes to the federallaw now require lenders to consideralternative forms of credit in addi-tion to a full credit reporting pro-duced by Equifax, Experian or Tran-sUnion. Consumers can build an al-ternative credit history consistingof information on how regularlythey pay their rent or car paymentsor auto insurance. (Full disclosure:
been properly installed, the heatingequipment is sized and installedproperly and the ducts are tightlysealed and well insulated.
This process starts with yourbuilder working with the rater toselect appropriate energy efficientfeatures. With the energy efficientfeatures selected, the builder thenproceeds with construction of thehome.
Throughout the constructionprocess, the rater performs anumber of inspections. After therater completes the final inspectionand determines that all the require-ments are met, the rater will providethe builder with an Energy Starcertificate of the home energyrating report.
All of this adds up to lowerhomeownership costs, greaterdurabilityand bettercomfortwhen youhave anEnergy Starhome.
You do not have to know all ofdetails. Instead, look for the govern-ment backed Energy Star label.
Find your Energy Star builder atw w w. N o C O E n e rg y S t a r H o m e s . o rg .
Carol O’Mearakeeps an unlikely
house pet
Front RangeGar dening
PPPaaagggeee CCC666
Decorate your homewith a variety of
wallpaper
Wall to Wall
E2 Saturday Reporter-Herald Oc tober 29, 2 0 1 1C
Peakview Meadows Sales office openThursday thru Monday from 1-4 Prices startingat $195,900. 5 Models to choose from
Peakview Meadows, Berthoud
SALES OFFICE OPEN
Kurt AlbersCentury 21 Humpal, Inc.970-231-1224kurtd57@msn.comwww.warbergfarmatchapmanreservoir.com
Maintenance FREE* Patio Home-Great openfloor plan-Split 3 bdrms - Upgrades anddesigner tile! Alder doors, trim & cabinets,5 pc. master bath. Stone fireplace. 2 1/2 cargarage. MLS#666495. $339,900
3480 Peruvian Torch Drive, Loveland
BUILDERS MODEL - DAKOTA GLENOPEN HOUSE 12 TO 4 THURS.-MON.
Venna HillmanERA Herman Group/Glen [email protected]
Original show home. Lot’s of upgrades,wood floors, tile back splashes, two pantry’s,gas fire place, window coverings, over sizegarage, New pella windows, upgraded AC,new exterior paint. $269,900.
180 E Turner Ave, Berthoud
OPEN SAT 12-3 / 4 BED 3 BATH
Chris RamponeCentury 21 Humpal, Inc.970-430-0845
Shows like a model home! Open floorplan,vaulted ceilings, private low maintenanceyard. New paint and flooring throughoutthe main level. New hardwood, carpet, tileand upgraded lighting provide a warm andcomfortable atmosphere. New counter topsand tiled baths. Upgraded appliance pkgstays. Huge 30x12 patio, private fully fencedback yard. Central AC, sprinkler system andmature landscaping. Truly Move in ready!
1303 Lavender Court
TRULY A MUST SEE, BRAND NEW EVERYTHING!!!
Michelle WilsonWestern Plains Realty
Looking for Maintenance-FREE* lifestyle?Open floor plan, patio home w/3 bdrms/3baths, granite kitchen island, backs togreen belt with mountain views! Convenientlocation. MLS#622329. $342,000
3464 Peruvian Torch Drive, Loveland, CO
BUILDERS MODEL-DAKOTA GLENOPEN HOUSE 12 TO 4 THURS.-MON.
Venna HillmanERA Herman Group/Glen [email protected]
OPEN Saturday 12-3 2+Acre Lake front&horse lots starting $225,000 water tapincluded. Surface rights,walk paths, parks,boat docks, fishing and peace garden.
Warberg Farm at Chapman Reservoir
OPEN SAT 12-3 PM
Kurt AlbersCentury 21 Humpal, Inc.970-231-1224kurtd57@msn.comwww.warbergfarmatchapmanreservoir.com
Spectacular ranch-style home offeringpremium finishes throughout. Open floor planw/10 ft ceilings, designer kitchen, finishedbasement, slab granite, wood floors, front &back landscaping. $499,900
1187 Coral Burst Dr. - Crescendo Village in Alford Meadows
OPEN SATURDAY 12 - 4
Ron McCrimmonFuller Sotheby’s International Realty970.214.2763AlfordMeadows.comwww.RonMcCrimmon.com
2bedroom plus den, 2bath ranch in lovelysenior community. Model home with manyextras! $295K. New Construction startedfor 2 Pagosa units priced at $249K Move inready by Dec. 2011
Mirasol Senior Community1286 Inca Dove Cir. Loveland
OPEN HOUSE SAT. 10 - 1 SUN. 1-4
Mirasol Senior CommunityMirasol Sales Team • 970-635-5931
UP TO $199,999 $200,000 - $299,999
$200,000 - $299,999$200,000 - $299,999 $300,000 - $399,999$300,000 - $399,999
UP TO $199 999UP TO $199 999 $200 000 $299 999
Featured Properties
FOR SALE
Time to GetYour Own Place?
Begin your search atreporterherald.com/classi-fieds/homeandrealtyguideyour online and print real
estate source.
3 BD, 2 BA Ranch, new kitcab and hardwood flrs. Unfinbsmt, big back yard, spklrs,privacy fence.
Enjoy & relax on 2 large decks-great forentertaining-quick drive to Estes Park yetstill just a short drive East to Loveland. Plentyof space for RV/Boat parking. Walk- outbasement! MLS#667570.
1900 Morning Dr, Loveland
OPEN SAT & SUN 1:00-3:00 PM
Maurine GarretsonColdwell BankerPlains Real Estate, Inc.970-396-9597 [email protected]
$500,000 - $599,999$500,000 - $599,999
WWW.HOMEANDREALTYGUIDE.COM•CLICK ON OPEN HOUSE MAPS
For information on how a Realtor may add a listing, call Dan Grassmeyerat the Loveland Reporter-Herald at 970-635-3615 or
email: [email protected] can join our on-line realtor community at:
colonews.com/FeaturedProperties_RH/featured_newclient.phpFor details about these open houses, see the ads in this section.For additional open house listings, please check the “Real Estate
Classifieds” section of this publication or on line at, reporterherald.comwhere you can find all of the information in todays Real Estate Weekly.
This guide is brought to you by the Daily Reporter-Herald, local realestate agents and area builders.
saturday sunday$135,840 NE
Loveland4905 Hahns Peak Dr#101
11 AM-3 PM RE/MAX Alliance-FTCDowntown, Jeremy Johnson
970-313-6166
From the$140’s*
Loveland 43rd St & Wilson AveThe Cottages atEnchantment Ridge
12 Noon-5 PM Cottage Realty 970-215-0515
Starting inthe $150’s
Milliken 110 Traders Lane 12 Noon-3 PM The Group Inc., Real Estate,Tracy Wilson
970-567-0907
From$159,900
Loveland 1899 East 11th St. 10 AM-6 PM Midtown Homes, BoiseVillage North, Wayne Lewis
970-456-4600
$167,500 Loveland 1303 Lavender Court 11 AM-1 PM Western Plains Realty,Michelle Wilson
970-518-6640
$169,900 Loveland 4403 Elliot Pl 12 Noon-5 PM Cottage Realty 970-215-0515
Starting at$195,900
Berthoud Peakview Meadows 1-4 PM Century 21 Humpal, Inc., KurtAlbers & Chris Rampone
970-231-1224, 970-430-0845
In the$200,000’s
Loveland 1900 Morning Drive 1-3 PM Coldwell Banker Plains,Maurine Garretson
970-396-9597
In the$200,000’s
Windsor 292 Saratoga Drive 1-4 PM The Group Inc., Real Estate,Jim Watson
970-219-5219
$207,315 Loveland 3441 Foster Pl 12 Noon-5 PM Cottage Realty 970-215-0515
$219,900 Loveland 4478 Hayler Ave 12 Noon-5 PM Cottage Realty 970-532-5900
Starting at$225,000
Berthoud Warberg Farm AtChapman Reservoir
1-3 PM Century 21 Humpal, Inc., KurtAlbers
970-430-0845
$229,900 SWLoveland
353 Johnson Dr 1:30-3:30 PM RE/MAX Alliance-Loveland,Don Riedel
970-679-8265
$239,000 Loveland 4496 Hayler Ave 12 Noon-5 PM Cottage Realty 970-532-5900
$249,900 Berthoud Collins Park Subdivision 1-3 PM RE/MAX Alliance-Loveland,Kathy Beadell
970-290-1798
$255,000 Loveland 3518 Akron Court 1-3 PM The Group Inc., Real Estate,Rich Gardiner
970-227-0964
$269,900 Berthoud 180 East Turner Ave. 12 Noon-3 PM Century 21 Humpal, Inc.,Chris Rampone
970-430-0845
$295,000 Loveland Mirasol SeniorCommunity, 1286 IncaDrive
10 AM-1 PM Mirasol Senior Community 970-635-5931
$298,664 Loveland 4355 Ridgway Dr 12 Noon-5 PM Cottage Realty 970-227-3893
$299,000 Loveland 2892 Ariel Drive 1-3 PM The Group Inc., Real Estate,Georgena Arnett
970-481-9801
$299,900 Loveland 1920 New Hampshire St 12 Noon-5 PM Cottage Realty 970-227-3893
$299,900 Loveland 4454 Stump Ave 12 Noon-5 PM Cottage Realty 970-532-5900
$325,000 Loveland 3004 Duffield Ave. 2-4 PM The Group Inc., Real Estate,Nicole Huntsman
970-402-0221
$335,000 Loveland 2890 Carina Circle 1-3 PM The Group Inc., RealEstate,Georgena Arnett
970-481-9801
$339,900 NWLoveland
3480 Peruvian Torch 12 Noon-4 PM ERA Herman Group NoCo/Glen Marketing
970-663-4522
$342,000 NWLoveland
3464 Peruvian torchDrive. 1/4 mile west ofWilson on 14th Street/SW/HWY 402 to theDakota Glen Subdivision
12 Noon-4 PM ERA Herman Group NoCo/Glen Marketing
970-663-4522
$345,000 Loveland 4701 Mountain VistaCourt
1-3 PM The Group Inc., Real Estate,Kim Summitt
970-689-6950
$349,900 Berthoud 103 Common Drive 1-3 PM The Group Inc., Real Estate,Miki Roth
970-690-9459
$499,900 Loveland 1187 Coral Burst Drive,Creshendo Village AtAlford Meadows
12 Noon - 4PM
Fuller Sotheby’s InternationalRealty, Ron McCrimmon
970-214-2763
$525,000 NELoveland
2951 Culebra Peak 1:30-3:30 PM RE/MAX Alliance-Loveland,Don Riedel
970-679-8265
$135,840 3, NELoveland
4905 Hahns Peak Dr#101
11 AM-3 PM RE/MAX Alliance-FTCDowntown, Jeremy Johnson
970-313-6166
From the$140’s*
Loveland 43rd St & WilsonAve TheCottages at EnchantmentRidge
12 Noon-5 PM Cottage Realty 970-215-0515
Starting inthe $150’s
Milliken 110 Traders Lane 12 Noon-3 PM The Group Inc., Real Estate,Tracy Wilson
970-567-0907
From$159,900
Loveland 1899 East 11th St. 10 AM-6 PM Midtown Homes, BoiseVillage North, Wayne Lewis
970-456-4600
$167,500 Loveland 1303 Lavender Court 11 AM-1 PM Western Plains Realty,Michelle Wilson
970-518-6640
$169,900 Loveland 4403 Elliot Pl 12 Noon-5 PM Cottage Realty 970-215-0515
Starting at$195,900
Berthoud Peakview Meadows 1-4 PM Century 21 Humpal, Inc., KurtAlbers & Chris Rampone
970-231-1224, 970-430-0845
In the$200,000’s
Loveland 1900 Morning Drive 1-3 PM Coldwell Banker Plains,Maurine Garretson
970-396-9597
In the$200,000’s
Windsor 292 Saratoga Drive 1-4 PM The Group Inc., Real Estate,Jim Watson
970-219-5219
$207,315 Loveland 3441 Foster Pl 12 Noon-5 PM Cottage Realty 970-215-0515
$219,900 Loveland 4478 Hayler Ave 12-4 PM Cottage Realty 970-215-0515
$220,000 Berthoud 660 Mt. Massive Street 12 Noon-2 PM The Group Inc., Real Estate,Cindy Kurtz
970-962-6832
$239,000 Loveland 4496 Hayler Ave 12 Noon-5 PM Cottage Realty 970-215-0515
$249,900 5,Berthoud
Collins Park Subdivision 1-3 PM RE/MAX Alliance-Loveland,Kathy Beadell
970-290-1798
$255,000 Loveland 3518 Akron Court 1-3 PM The Group Inc., Real Estate,Rich Gardiner
970-227-0964
$295,000 Loveland Mirasol SeniorCommunity, 1286 IncaDrive
1-4 PM Mirasol Senior Community 970-635-5931
$295,000 Loveland 2821 Logan Drive 1-3 PM The Group Inc., Real Estate,Sally Lee
970-227-7742
$298,664 Loveland 4355 Ridgway Dr 12 Noon-5 PM Cottage Realty 970-215-0515
$299,900 Loveland 1920 New Hampshire St 12 Noon-5 PM Cottage Realty 970-215-0515
$299,900 Loveland 4454 Stump Ave 12 Noon-5 PM Cottage Realty 970-215-0515
$339,900 NWLoveland
3480 Peruvian Torch 12 Noon-4 PM ERA Herman Group NoCo/Glen Marketing
970-663-4522
$342,000 NWLoveland
3464 Peruvian torchDrive. 1/4 mile west ofWilson on 14th Street/SW/HWY 402 to theDakota Glen Subdivision
12 Noon-4 PM ERA Herman Group NoCo/Glen Marketing
970-663-4522
$431,900 Loveland 2009 Morning Drive 12 Noon-2 PM The Group Inc., Real Estate,Jesse Laner
970-672-7212
Saturday Reporter-Herald Oc tober 29, 2011 E3
Mortgage rate update
30-year fixed
15-year fixed
5/1 ARM
This week Last week Tre n d
4.22%
3.47%
3.01%
4.18%
3.47%
3.03%
Home & Real Estate is producedevery Saturday by the
Loveland Reporter-Herald.
Regional Snapshot for Loveland/Berthoud Residential
Ju n e Ju ly Au g u s t
Active Listings 973 938 860Previous Year Active Listings 1101 1092 1054
Sold Listings 155 134 154
Median Sales Price $220,000 $208,958 $223,700Previous Year Median $234,000 $238,000 $192,000
Average Days on the Market 121 103 107Previous Year ADOM 121 122 121
Year to Date Listings Sold 676 810 964Previous Year YTD Listing Sold 728 839 941
News and Press Releases: TheReporter-Herald welcomes news onhirings, advancements, awards,classes and other information ofinterest to the real estate and homecommunity. Submit information toj c o d y @ r e p o r t e r- h e r a l d . c o m .
Advertising: For advertisinginformation, call Dan Grassmeyer.
Office: 970-635-3615Cell: 970-214-6297E-mail:
d g r a s s m e y e r @ r e p o r t e r- h e r a l d . c o m
no change
H& Real Estate TransactionsREReal Estate Transactions are
supplied by Prospects UnlimitedInc., 1151 Eagle Drive No. 467,Loveland, CO 80537, 667-1537.
L oveland• Patricia & Richard Bar-
tolucci from Timothy DorothyMonsma Trust, 2474 Boise Ave,Loveland, $210,000, home
• Randall & Alicia Lofquistfrom 1725 Garfield LLC, 1725N Garfield Ave, Loveland,$950,000, home
• Randall & Alicia Lofquistfrom 1735 Garfield LLC, 1735N Garfield Ave, Loveland,$600,000, home
• Cranewood LLC from 210Properties Inc, 210 E 29th St,Loveland, $875,000, home
• Dennis & Linda Shaferfrom David Ball, 4790 Wiscon-sin Ave, Loveland, $373,500,home
• Jesse Hansen from BankNew York Mellon Trust Co,4332 Page Pl, Loveland,$100,500, home
• David & Laura Petersonfrom Sherman Broyles, 549 W3rd St, Loveland, $205,000,home
• Charles Zitting from Col-orado Housing Finance Autho,1318 6th St Se, Loveland,$161,000, home
• Joshua Lopez fromDeutsche Bank Trust Co Amer-ica, 4836 Valley Oak Dr, Love-land, $279,000, home
• Kristin & Nick Kollmannfrom Charles Dyer, 1208 Ul-mus Dr, Loveland, $205,000,home
• Nichole Mulder from Fan-nie Mae, 1714 3rd St Sw, Love-land, $142,900, home
• Daniel & Patricia Swigerfrom Fannie Mae, 1142 Juliana
Dr, Loveland, $122,000, home• Benjamin Zastrow from
Federal Home Ln MortgageCorp, 2938 8th St Sw, Love-land, $139,000, home
• Timothy Debord from Jere-my Heesacker, 3119 HiawathaDr, Loveland, $221,000, home
• John & Bobby Dye fromRonald Karabensh, 16900 NCounty Road 25 E, Loveland,$420,000, home
• George Heinz fromPaddington Properties LLC,1416 Zoe Ct, Loveland,$142,000, home
• Amanda & Paul Hardingfrom Precision Home BuildingsLLC, 4449 Thompson Pkwy,Loveland, $517,000, home
• George & Elizabeth Forthfrom Dennis Shafer, 4253Promontory Ct, Loveland,$400,000, home
• Dennis Lebsack from Deb-
bie Swallow, 397 Lilac Pl, Love-land, $197,500, home
• Robert & Brianne Lovettfrom Daniel Swiger, 1805 10thSt Sw, Loveland, $180,000,home
• Nicholas Peterson fromNatasha Winberg, 822 E 5thSt, Loveland, $157,300, home
• James Mcneely fromHarold Friesen RevocableTrust, 1504 Arthur Ave, Love-land, $155,000, home
• Joseph Hartman fromAaron Baird, 2553 Glen Isle Dr,Loveland, $256,000, home
• Kayla Fauver from BankNew York Mellon, 4530 MeadPl, Loveland, $160,000, home
• Joesph & Christiana Heinfrom Douglas Benson, 4701Date Ct, Loveland, $242,000,home
• Diane Ward from MaryClark, 749 W 11th St, Love-
land, $145,000, home• Kristine Edland from
Josephine Cooley, 2139 IllinoisCt, Loveland, $168,000, home
• Louis & Lindsay Burrowsfrom Paul Decker, 1149 Roo-sevelt Ave, Loveland,$205,000, home
• Jason & Jessica Scritch-field from Deutsche Bank Na-tional Trust C, 934 PeriwinklePl, Loveland, $180,200, home
• Pamela & John Librettifrom Arlene Fitch, 5848 AspenView Ct, Loveland, $185,000,home
• Ronald & Susan Karabenshfrom John Hennessey, 2730Hartsel Ct, Loveland,$199,900, home
• Thomas & Jan Mcintoshfrom Alert Hoak, 4969 Clear-water Dr, Loveland, $255,000,home
• Daniel Spoon from PaulaKeen, 5852 Gitalong Rd, Love-land, $775,000, home
• Theresa Oleary from RonLinville, 14435 W County Road18 E, Loveland, $360,000,home
• Donald & Robert Nuttingfrom Loveland Midtown Devel-opment I, 1919 E 11th St,Loveland, $187,800, home
• Lauren Sattler from Love-land Midtown Development I,1188 Caelum Ct, Loveland,$230,000, home
• Judith Hill from LovelandMidtown Development I, 2132Virgo Cir, Loveland, $219,400,home
• Marshall Spring from Love-land Midtown Development I,2135 Virgo Cir, Loveland,$211,400, home
• Gerald & Patricia Taylerfrom Randall Nace, 2916 Pur-gatory Creek Dr, Loveland,$358,000, home
• Ron & Caroline Linvillefrom Susan Osborn, 3375 Wes-terdoll Ave, Loveland,$310,000, home
• Sean Mcgarry from EricParrish, 2049 Basalt Ct, Love-land, $186,000, home
• Craig & Mary Oldenburgfrom Donald Perry, 2109James Dr, Loveland, $195,000,home
• Melvin & Roberta Saltzfrom Rheubottom PropertiesLLC, 905 Douglas Ave, Love-land, $345,000, home
• William Farner from Sher-man Shelby IRA, 1538 W 15thSt, Loveland, $145,000, home
Berthoud• Eric & Jennifer Sigler from
Robert Buchanan, 5943 SandiaLn, Berthoud, $455,000, home
• David Fenton from Jen-nifer Burgess, 316 Bimson Ave,Berthoud, $146,500, home
• Julius Pratt from TerryField, 1907 1st St, Berthoud,$195,000, home
• Matthew & Ashlee Taylorfrom Renay Martinez, 2164Burbank St, Berthoud,$292,500, home
• Leonard & Renee Gattusofrom Michele Verona, 525 5thSt, Berthoud, $180,000, home
Estes Park• Darlene & Darlene Amen
from Estes Park Real Estate,970 Comanche St, Estes Park,$224,100, home
• Annette Harris fromSamuel Jonathan SchreinerTrust, 3100 Rainbow Dr, EstesPark, $320,000, home
• Karriet LLC from ToddSchulte, 341 Overlook, EstesPark, $245,000, home
• Howard & Leanne Laurenfrom Cindy Carlson, 240 BigHorn Dr, Estes Park, $167,000,home
• Js LLC from Venkata Gol-la, 741 Big Horn Dr, EstesPark, $230,000, home
• Robert & Carole Fixterfrom Bradley Witt, 910 WElkhorn Ave, Estes Park,$125,000, home
Johnstown• Richard & Cleora Conner
from Stein Living Trust, 1218N 3rd St, Johnstown,$215,000, home
• Marilyn Sexson from ElaineZadel, 899 N 3rd St, John-stown, $155,000, home
• Joel Steele from JJ ConstrNorthern Colo LLC, 239 AlderAve, Johnstown, $175,500,home
• Warren & Opal Yule fromJJ Constr Northern Colo LLC,251 Alder Ave, Johnstown,$183,400, home
• Lisa Hyatt from OakwoodHomes LLC, 3800 BeechwoodLn, Johnstown, $169,600,home
• Joshua & Amber Boddyfrom Oakwood Homes LLC,3918 Kenwood Cir, Johnstown,$224,900, home
• Patricia Mcginness fromRyland Group Inc, 2755 Ayles-bury Wy, Johnstown,$251,600, home
• Randy Helmberger fromJames Baker, 210 MuscoveyLn, Johnstown, $287,900,home
M i l l i ke n• Stonehouse LLC from En-
hakkore Reliance LLC, 107Aragon Ct, Milliken, $90,900,home
• Tyler & Andrea Trostelfrom David Hollema, 11576County Road 52, Milliken,$280,000, home
• Kathy Corral from JanetHines, 140 E Juneberry St, Mil-liken, $155,000, home
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E4 Saturday Reporter-Herald Oc tober 29, 2 0 1 1
DO M I N I QU E DEL GRO S S ORE P O RT E R -HERALD
What’s the first thing that pops in yourmind when you think about spicing upa room in your house? Wallpaper or
stenciling a design on the wall is probably notwhat comes first. But sometimes a new decora-tive piece or rearranging a room’s furnituresetup just doesn’t feel like enough of a changeto satisfy.
Wallpaper and stencil trends are making acomeback with fresh patterns and wide-rangingcolor schemes, making redecorating more ver-satile than ever. Showcasing your personalitythrough wallpaper or stenciling can give anyroom that extra punch of memorable, decora-tive flavor.
PATIENCE, PRACTICE, PERFECT
Kirsten Pellicer, vice president at Ace Hard-ware in Longmont, said wallpapering and sten-ciling are tasks that require a great deal of pa-tience. In fact, she said it’s best to evaluateyour personality and tolerance level for this de-tailed task before you get started.
The next step is to determine what wallpaperpattern, stencil design or color suits the roomin need. Lisa Darrah, owner of Design It! inLongmont, said researching what overall lookyou’re after can be a helpful place to start.Sometimes designing a room around the wall-paper’s paisley pattern or the stencils asym-metrical motif is an easy way to vamp up thelook of any room.
“The style of wallpaper depends on what thegoal is for the room,” Darrah said. “It dependson the level of elegance the homeowner wantsto achieve.”
Once you determine a design, color schemeor stencil pattern, it’s easy to get overwhelmedwith the size of the project and worry abouthow the finished product will look, but practicemakes perfect.
Starting with a small project first will giveyou the chance to perfect the process and alsobuild the necessary confidence to see itthrough to the end. “You can get as creative asyou want,” Pellicer said. “You can start out in aroom and do something simple. You don’t haveto think in terms of covering the whole wall.Start small.”
Possessing the patience to lay wallpaper orperfect the intricate stencil design yourself maynot be easy, but it is less expensive than hiringa company to complete the project for you.
CAUTIONARY TALE
With the convenience of online shopping,many people don’t visit their local store insearch of the perfect pattern. Pellicer cautionspeople to have samples of wallpaper sent tothem prior to purchasing rolls of the design.
“Don’t shop online for wallpaper unless youcan get samples from the company to makesure you like what you’re going to buy,” shesaid. “Computer screens can distort the colorand overall look.”
However, browsing the web is a great re-source for learning the steps of how to com-plete the project through videos and audio tu-torials. Pellicer recommends visiting www.shel-terpop.com, which offers a lot of helpful tipsand the latest trends in “do it yourself” pro -jects.
TIPS, TRENDS, TOTAL KNOCKOUT
Whether it’s this season’s bold stripes, adainty paisley pattern or wispy swirls of perfect-ly stenciled colors, a homeowner needs to besure of the design prior to
application. “You have got to be really
concrete on the pattern and that it matchesthe room,” Darrah said. ”It’s not as easy to takeit down as it is to apply, so you want to makesure the look is cohesive throughout the entirehouse.”
Wallpaper and stencil styles, colors and tex-ture options are endless. Research first, relaxand have fun with it.
Completing a “Do It Yourself” task takes pa-tience, but the work is worth the reward. Theend result will no doubt be a total knockout.
Wa l lH& Fall Home ImprovementRE
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Saturday Reporter-Herald Oc tober 29, 2011 E5
METRO CR E AT I V E SE RV I C E S
There are numerous, simple projects athomeowners’ fingertips that can conserveenergy in a home and keep money in the
bank. Although windows, doors and siding arethe biggest opportunities to conserve energyand reduce costs, not every project has to be amajor one. When it comes to improving energyefficiency, every little bit helps. Using the rightproducts helps to ensure that projects are donecorrectly and withstand the test of time. Beloware a few easy weekend projects to get anyhouse ready for the winter.
THE GARAGE
Garage doors are usually the single largestentry point into a home and are rarely insulat-ed, leaving a large area where air can seep in.Rubber thresholds, found at any hardware store,can be easily and quickly installed underneaththe garage door to help keep the cold at bay.Since most garage doors are aluminum, it isbest to use a two-part epoxy to secure these twodifferent materials together. Epoxy fills any sur-face gaps, creating a lasting, water-resistantbond. The pressure and weight of the door thenhelps seal the garage when the door is closed. Asimilar type of seal can be made with a rubbergasket on exterior doors as well. By creating atighter seal on this entry door, cold air is pre-vented from getting in and the warm air fromgetting out.
THE PIPES
When the weather dips below freezing, there
is a good chance that copper pipes will freeze.This is a potentially messy and costly issue thatcan be easily prevented. While it might be hard-er to get to the pipes behind the walls, exposedpipes in the basement can be wrapped withoutdifficulty. Flexible foam with a split-sleeve, pur-chased from any hardware store, will slip rightover the pipes and can be easily secured withGorilla Tape. This heavy duty tape containstwice the adhesive as most duct tapes and out-performs standard duct tape in these tough sit-uations. Either wrap tape around the insulatingfoam or run the entire length to seal the seam.Even areas where freezing does not pose athreat can benefit by keeping the pipes a moreconsistent temperature, and preventing costlydrywall leaks caused by pipe condensation.
THE ATTIC
Attics, even when insulated, are a majorsource of lost heat. However, most homeownersforget to complete their insulation project byinsulating the access door to the attic. For thisproject, it is best to use rigid foam insulationwith a radiant barrier. Cut the insulation boardto the door’s dimensions. (It is best to cut thepiece a tad smaller than the door’s exact size toensure that it does not interfere with hinges orwhere the door seats into place.)
Once cut, affix the insulation board usingpolyurethane glue. Also, remember to wet onesurface prior to gluing and clamp the project byweighting it down with some heavy items. Thispolyurethane glue expands into the surface ofthe insulation and creates a tight bond ensuringthe insulation will stay in place for the life of thehome.
All of these winterizing projects are easy,quick, and can be completed within a weekend.Armed with a few supplies from the local hard-ware store, energy and heat savings are just afew moments away.
H& Fall Home ImprovementRE
Saving Green byBeing Green
Three simple fixes tosave money andwinterize the house
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SATURDAY 2:00-4:003004 Duffield Ave., Loveland All brick construction,$24,000 newer 50 yr metal/ceramic composition roof,copper downspout/rain gutter system, hot water heat, centralA/C, granite counters in kitchen, new carpet, fully finishedbasement, RV parking, & sprinkler system.
$325,000MLS# 662131
Call Nicole Huntsman970-402-0221
FRIDAY - SUNDAY 1:00-4:00292 Saratoga Drive, Windsor Greenspire at Windsor Lake. It’smore than just a home… IT’S A QUALITY OF LIFE! Miles of biketrails, open space & parks. Personalize your home from framingto finish! Extraordinary floor plans – Ranch & 2-Story. Lotsavailable on Windsor Lake! Visit our Sales Center at 690Moonglow Drive or call for a showing!
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$345,000MLS# 667548
Call Kim Summitt689-6950
Saturday - Sunday 1:00-3:003518 Akron Court, Loveland Unique 4-level on a ¼ lot. 4bedrooms, 3 baths, large kitchen, living room and family room.Master suite w/jetted tub and large shower with 4 heads.Sun roomw/tile floor & hot tub looks out to a mature, park-like backyard &multi-level deck. Newer carpet & paint. Low maintenance vinyl &brick siding. Close to schools & sculpture park.
$255,000MLS# 666526
Call Rich Gardiner227-0964
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SUNDAY 1:00-3:002821 Logan Drive, Loveland Professionally remodeled 4bd +study, 3ba, 3070 sf. home. The kitchen has travertine tile, stainlesssteel appliances. Wood floors throughout the main floor. Lots ofspecial touches are found everywhere. It feels like home theminute you enter.
$295,000MLS# 660462
Call Sally Lee227-7742
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FRIDAY & SATURDAY 1:00-3:002890 Carina Circle, Loveland Colorado Craftsman style home.Finishes include hardwood floors, designer tile, slab granite,alder trim & doors and shaker style alder cabinetry. 12’ ceilingsin great room w/wood beams. SS appliances, gas fireplace andcustom built-ins. Fully landscaped. Close to I-25, Centerra andthe Medical Center of the Rockies.
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FRIDAY & SATURDAY 1:00-3:002892 Ariel Drive, Loveland Colorado Craftsman style homequality built by Oak Valley Homes. Kitchen features a largeisland and shaker style alder cabinetry. Ranch style home withopen floor plan backs to open space. Beautiful finishes includehardwood floors, designer tile & slab granite. Full, unfinishedbasement. Fully landscaped yard.
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SUNDAY 12:00-2:00660 Mt Massive Street, Berthoud Beautiful home in a quietneighborhood. 3 bedrooms, 2 baths with builder finishes.Hardwood floors in kitchen, panel oak cabinets and coveredporch. Unfinished basement offering room to grow. Spaciousback yard with excellent views.
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E6 Saturday Reporter-Herald Oc tober 29, 2 0 1 1
H& Front Range GardeningRE
CA RO L O'MEARACSU EXTENSION
Attending the LarimerCounty Humane Soci-ety’s Top Cat and Tales
gala, I was impressed by the de-votion humans feel toward ani-mals and their creative ways toraise money to care for them.The live auction had manyitems of interest, fromCaribbean condo stays to bas-kets of wine, but what capturedmy fancy was the offer of hav-ing your pets’ photo plasteredto a billboard. For the rightprice, Fluffy will be the spokes-animal of an adoption ad forthree months on the highway.
Several of my dinner com-panions were already shakingtheir heads before I got thewords out, knowing the type ofpets I keep. “A tarantula wouldbe perfect for that billboard,” Isaid, musing on the possibili-ties. “But right now the onlypet I have is a praying mantid. Iwonder if that would help themraise pet adoption awareness?”Those at the table who didn’tknow me stopped chewing,looking mildly horrified.
“She’d be easy to photo-graph; her wing is damagedand she can’t fly. That’s whythe humans rescued her beforegiving her to me — they didn’tthink she’d survive,” I said, ply-ing their sympathy for awounded creature. But goodintentions took me too far; en-thusing about her laying anegg case didn’t elicit maternal
ooohs and ahhhs I’d bankedon.
“How many eggs are in thategg case?” asked one guest,staring at me as if he were seat-ed with a member of the Ad-dams Family. “About 200,” Isaid, “but they’re hungry whenthey hatch and go after eachother, so you really end up withabout six fat, happy young-sters.” Discussing insects andcannibalism over dinner is onereason why I’m not invited tomany formal events.
The insect in question is aEuropean mantid (Mantis reli-giosa), picked up by well-mean-ing people who feared for hersafety in winter. In this, thegood Samaritans are right;these insects, imported for bio-logical control, only survive ourwinters when it’s mild, al-though a few of the toughestmanage to get through tospring. Thus, the Europeanmantid is found throughoutmuch of Colorado.
It’s a big bug, measuringthree-and-a-half inches long,green with a “bull’s-eye” mark -ing under the front legs. Theseforelegs are spectacular: long,broad, edged in spikes andtipped with claws to hold preyclose to feed. “I’ve had mantidsI can hear eating, crunchingtheir grasshop-pers as they chewthrough the ex-o s ke l e t o n , ” Isaid. Oddly, thistidbit of informa-tion had thetable guests look-ing for vacantseats elsewhere,and my spousestarted pressinghis knee against
my leg in a subtle warning thatI was scaring people.
The eggs she laid are en-cased in an insulated, foamymaterial that hardens and givesthem the appearance of a Sty-rofoam peanut. Mantids laythese most often on hard sur-faces such as rocks, pipes,fences, and plant stalks. Inspring, they hatch, and hun-dreds of mantid nymphsemerge, feeding on soft insectsat first, then as they grow, mov-ing on to larger prey.
Should you try rearing man-tids at home, keep them in sep-arate terrariums. If you have anadult female, give her a stickon which to lay the egg case,then move her into anothercage; egg cases need a cold pe-riod and are best stored for afew weeks in an unheated placesuch as a shed or on the northside of homes. Bring the eggcases indoors to warm them toroom temperature and encour-age hatching.
Feed the nymphs small in-sects, such as fruit flies, midgesand small flies. As they grow,feeder crickets from pet storeswork well. Mantids need water,so mist the interior surface oftheir container once per week.
Release your mantids intothe garden once days arewarm. But take my advice, andkeep your pet information toyourself. Non-gardeners justdon’t understand.
Carol O’Meara is withCSU Extension inBoulder County.Contact her at303-678-6238 orcomeara@co. b o u l d e r. c o . u s .
Front Range Gardening
Pet RescueO’Meara keepsan unlikely pet
Water is needed during winterBETH THIRETCSU EXTENSION
Question: Why do I need to water myplants in the winter?
Answer: Colorado is known for dry air andfluctuating winter temperatures. This cancause damage to a plant’s root system. Theend result is plants more susceptible to in-sect and disease problems or dieback. Wateryour plants when the temperatures are about40 degrees and there is no snow cover. Whenwater is applied at mid-day there will be am-ple time for it to soak in before freezing atnight. For more information on winter water-ing refer to the CSU Extension website atwww.ext.colostate.edu and read Fact Sheet#7.211.
Question: Why are some tree trunkswrapped in paper during the winter?
Answer: The intention of winter tree wrapis to protect the trunks of younger/newlyplanted trees from the temperature fluctua-tions throughout fall and winter months.
Warm winter days, followed by freezing nighttemperatures and winter drought, can resultin sunscald and frost cracks. However, re-search has shown that wrapping the trunksand leaving the wrap on too long can alsocause harm to trees by allowing excess mois-ture to remain in contact with the tree, en-couraging fungal and bacterial growth. Treesplanted in locations receiving a lot of reflec-tive light may still benefit from its use.Around the end of November, using a lightcrepe paper wrap, wrap the trunk up to itslowest branch, check the tree frequentlythroughout the winter and remove the paperwrap in the spring in late March or earlyApril. A good rule of thumb to rememberwhen to put the wrap on and take it off is: onat Thanksgiving; off on Tax Day.
Beth Thiret has received training throughColorado State University Extension's MasterGardener program and is a Master Gardenervolunteer for Larimer County. For more infor-mation about CSU Extension, Larimer Coun-ty, call 970-498-6000 or visitw w w. l a r i m e r. o r g / e x t .
MITZI DAV I SCSU EXTENSION
• Fall is an excellent time for taking soilsamples from your lawn and garden. Soil testswill measure the pH of the soil, organic mat-ter content, and salinity. The test will alsomeasure plant available nutrients such as ni-trogen, phosphorus, potassium, iron, zinc,manganese and copper and give suggestionsto improve your soil. Testing kits for the CSUPlant, Soil and Water testing laboratory areavailable at local nurseries, Jax Farm andRanch or the Larimer County Extension of-fice, 1525 Blue Spruce Drive in Fort Collins.You can also call the Extension Office at970-498-6000 for more information.
• Overwinter your geraniums inside to geta head start next spring. You can cut themback to half the original size and repot themin potting mix rather than garden soil. Checkfor insects or disease. Grow in a cool room
with plenty of bright, direct sunlight. You canalso take cuttings from your plants. Make 3-to 4-inch-long stem cuttings that include agrowing tip. Remove the lower leaves, dip thecut end in rooting hormone and stick intomoist, porous, rooting medium. It will takesix to eight weeks to root. After rooting, plantgeraniums in a 4-inch pot in a sunny window.
• You should wait until spring to pruneyour roses, but keep some soil or mulchhandy to mound around your roses for winterprotection. Wait until the leaves drop and theground is near freezing, usually late Novem-ber or early December before covering thebase of the plant.
• Strawberries need protection from ourdrying winds, intense sunlight and lack ofmoisture during winter. Apply mulch afterthe plants are dormant, but before nighttimetemperatures drop to 20 degrees. You can useorganic mulch, like straw, or you can coverthe bed with a heavy weight “floating” ro wc o v e r.
Ilyce Glink recently became a member ofadvisory board of one of these companies,eCredable.com.)
These companies in the alternative creditreporting space are trying to give con-sumers an alternative method of buildingtheir credit during these economic hardtimes. People who have lost their creditcards and homes, as well as young peoplewho have just entered into the credit world,are finding fewer opportunities to build orrebuild their credit with the traditionalcredit reporting companies.
Newer credit reporting companies recordrecurring monthly payments to utility com-panies, phone and internet companies,landlords and other entities, even if thosepayments go to family members, in order tocreate a picture of a consumer that might
be missed by traditional methods of creditanalysis.
If your daughter and her husband are try-ing to improve their credit history, it will beup to them to take the steps necessary tomake the payments from their own ac-counts. You won’t and shouldn’t be able todo it for them. If they are to repair theircredit history, they have to do it themselves.
Should you lease or sell the home tothem? From their perspective, it may notmatter if they buy or rent the home fromyou as long as they handle the financial af-fairs relating to the home.
If you want to simplify your role, you canhave them set up direct-deposit paymentsto you from their checking account on amonthly basis, which will make it easy foryou to keep track of those payments in caseyou are asked to verify their payment histo-r y.
If you don’t want to deal with the paper-work, you can set it up so that they pay a ti-tle company. There are other companiesthat will handle the payments as well.
GLINKFrom Page C1
Use soil samples for lawn, garden
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