Real Estate Guide
6
Saturday E1 www.homeandrealtyguide.com Saturday, August 14, 2010 Reporter-Herald • • ■ See GLINK/Page E4 Home purchases in the Northern Colorado area P Pa ag ge e E E2 2 Real Estate Transactions Director y P Pa ag ge e E E4 4 Inside this week’s Home & Real Estate Real Estate Matters Carol O’Meara delves into this musical insect P Pa ag ge e E E6 6 Cicadas’ Summer Song Instant Playground Stalled downtown project seeks investors P Pa ag ge e E E3 3 Downtown Project Craftsman features adorn the spacious Ethridge P Pa ag ge e E E5 5 Featured Home Plan Adjustable loan may be risky ILYCE GLINK TRIBUNE MEDIA SERVICES Q uestion: We are being of- fered an FHA Streamline loan. We currently have a 5 percent fixed rate loan. We’re thinking about taking a 3.875 percent 5-year FHA ad- justable rate mortgage. Is this a viable idea? We are be- ing told that in the worst-case scenario, if interest rates were to rise, the rate could only go up 1 percent per year, so it would be 5.875 percent in the 7th year. Is this truly the worst-case sce- nario? Answer: An adjustable rate loan (ARM) generally will have certain yearly caps and will have a lifetime cap. In your case, your FHA loan would become a new loan with a starting interest rate of 3.875 percent. That’s a great rate by historical standards. However, the interest rate would only be good for five years. At the end of the five-year period, the interest rate on that loan would fluctuate depending on where interest rates are in the market. If interest rates have gone up, the interest rate on your loan will go up. However, the loan may have a maximum increase of 1 percent per year. So your interest rate for the sixth year could go up to 4.875 percent, and the same could be true the following year, with an increase to 5.875 percent. These loans usually cap the in- terest rate increase over the life- time of the loan to five percent- age points, so the maximum in- terest rate for your loan would be 8.875 percent. If you plan to live in the home only for the next three to five years, this loan might be a good option for you. But keep in mind that you need to make sure that you aren’t paying too much in fees on the loan being offered to you. Even your current 5 percent loan is a pretty good rate. Interest rates might fall fur- ther. This week, the 30-year fixed rate loan reached about 4.25 per- cent from many lenders (Freddie Mac reported the average 30-year rate as 4.49 percent, a new record low). Interest rates on a 15-year loan were available as low as 3.75 percent. While all this sounds like nearly free money, make sure you’re changing your loan terms for the right reasons. If you plan to be in your home for the next 20 years, you might want to consider a longer lock on your interest rate. If you’re having trouble paying your bills, or expect to lose your job or income soon, and have ap- plied for the loan change to re- duce your monthly expense, you JADE CODY SPECIAL SECTIONS EDITOR A fter exhausting day-long construction, 68 families and nearly 100 children have a new place to play. Neigh- bor to Neighbor, The Home De- pot and Kaboom partnered to build a new 2,500 square foot playground at Coachlight Plaza Apartments in Fort Collins. “We’re pretty thrilled to be able to offer it to our communi- ty and residents,” said Wendie Robinson, executive director for Neighbor to Neighbor. She said the project will serve its largest low-income apartment commu- nity. Since 1970, Neighbor to Neighbor has provided housing options, support and counseling for low-income residents in Larimer County. The playground was construct- ed in one day, though plans for it started last year with a grant application. Neighbor to Neigh- bor contributed $7,500 for the project, and received major sponsorship via a $65,000 grant from The Home Depot Founda- tion. Representatives from The Home Depot and Kaboom were also on hand in construction ef- forts. The Home Depot is a founding partner of Kaboom, a national nonprofit organization that builds playgrounds. To date, Ka- boom has built over 1,800 play- grounds and 3.5 million chil- dren. Kaboom’s mission is to create a place to play within walking distance of every child in America. The previous playground at Coachlight Plaza Apartments, which was constructed in 1982, was old, dilapidated and unsafe for the children, Robinson said. The trio of organizations first re- moved and recycled the older playground equipment, then went to work on installing the new playground. It features picnic tables, tree benches, a shed, a fence around the community garden and a pergola for parents keeping an eye on children at play. “We’ve been thrilled,” Robin- son said. “Many of the residents got involved with the planning and construction.” Children will be able to play on the play- ground starting Sunday, after the cement has dried. More than 220 volunteers from the community, local The Home Depot stores, Neighbor to Neighbor, and organizers from the nonprofit organization Ka- boom helped with the play- ground construction. The Home Depot Foundation was created in 2002, and has built or refur- bished more than 1,875 play- grounds, parks and green spaces. The organization has granted $190 million to non- profit organizations. The Loveland Housing Author- ity worked with Kaboom in June for a new playground at Orchard Place Apartment Community in Loveland. ABOUT NEIGHBOR TO NEIGHBOR Neighbor to Neighbor serves Larimer County residents in three key client service areas: • Renter Program, which as- sists the homeless and renters to identify, secure, and maintain affordable, sustainable housing and work toward self-sufficiency. Neighbor to Neighbor provides up to $300 per household in emergency rent assistance to prevent homelessness. • Affordable Housing Pro- gram, which provides 126 units of safe, decent multi-family housing to low-income renters in 10 properties in Fort Collins and Loveland. • Home Ownership Program, which helps renters work toward successful home ownership, counsels homeowners in crisis to help prevent foreclosure and provides guidance to seniors considering a reverse mortgage. For more information, visit www.n2n.org, www.homedepotfoundation.org and www.kaboom.org. Neighbor to Neighbor, Home Depot collaborate on Fort Collins playground HUD offers grants for counseling COLORADO ASSOCIATION OF REALTORS The U.S. Department of Housing and Urban Development announced that $79 million is available for housing counseling programs to help families find and preserve housing. These grants will be awarded competitively to HUD- approved counseling agencies and State Housing Finance Agencies. National and regional agencies dis- tribute much of HUD’s grant funding to HUD approved community-based hous- ing counseling organizations that pro- vide advice and guidance to low- and moderate-income families seeking to improve their housing conditions. COLORADO ASSOCIATION OF REALTORS F annie Mae has announced the launch of www.knowyouroptions.com, a new con- sumer education website that outlines the choices available to homeowners who are struggling with their mortgage payments, and provides guidance on how they can con- tact and work with their mortgage company to find solutions. The online resource, which offers reliable and easy-to-understand information in both English and Spanish, expands on Fannie Mae's ongoing efforts to help struggling bor- rowers find alternatives to foreclosure. Key features of KnowYourOptions.com in- clude: • Interactive Options Finder to help home- owners identify options that might be right for their situation; • Calculators to help borrowers understand how many of the options work, including refi- nance, repayment, forbearance, and modifi- cation; • Videos featuring real homeowners dis- cussing how they received help and housing counselors providing advice; • Next steps and helpful forms, including a financial checklist and contact log to help borrowers be prepared when contacting their mortgage company or housing counselor. Fannie Mae launches online resource to educate struggling homeowners Photos courtesy Neighbor to Neighbor Volunteers construct a playground for Coachlight Plaza Apartments in Fort Collins on Aug. 12.
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Homes and Land in Loveland Colorado
Transcript of Real Estate Guide
Saturday Reporter-Herald Au g u s t 14, 2010 E1
www.homeandrealtyguide.com Saturday, August 14, 2010 Reporter-Herald• •
� See GLINK/Page E4
Home purchases in theNorthern Colorado area
PPPaaagggeee EEE222
Real EstateTr a n s a c t i o n s
Director yPPPaaagggeee EEE444
Inside this week’s Home & Real Estate
Real EstateMatters
Carol O’Meara delvesinto this musical insect
PPPaaagggeee EEE666
Cicadas’Summer Song
Instant Playground
Stalled downtown projectseeks investors
PPPaaagggeee EEE333
DowntownPr oject
Craftsman features adornthe spacious Ethridge
PPPaaagggeee EEE555
Featur edHome Plan
Adjustableloan maybe risky
ILY C E GLINKTRIBUNE MEDIA SE RV I C E S
Question: We are being of-fered an FHA Streamlineloan. We currently have a5 percent fixed rate loan.
We ’re thinking about taking a3.875 percent 5-year FHA ad-justable rate mortgage.
Is this a viable idea? We are be-ing told that in the worst-casescenario, if interest rates were torise, the rate could only go up 1percent per year, so it would be5.875 percent in the 7th year.
Is this truly the worst-case sce-nario?
Answer: An adjustable rateloan (ARM) generally will havecertain yearly caps and will have alifetime cap. In your case, yourFHA loan would become a newloan with a starting interest rateof 3.875 percent. That’s a greatrate by historical standards.
However, the interest ratewould only be good for five years.At the end of the five-year period,the interest rate on that loanwould fluctuate depending onwhere interest rates are in them a r ke t .
If interest rates have gone up,the interest rate on your loan willgo up. However, the loan mayhave a maximum increase of 1percent per year. So your interestrate for the sixth year could goup to 4.875 percent, and thesame could be true the followingyear, with an increase to 5.875p e rc e n t .
These loans usually cap the in-terest rate increase over the life-time of the loan to five percent-age points, so the maximum in-terest rate for your loan would be8.875 percent.
If you plan to live in the homeonly for the next three to fiveyears, this loan might be a goodoption for you. But keep in mindthat you need to make sure thatyou aren’t paying too much infees on the loan being offered toyou. Even your current 5 percentloan is a pretty good rate.
Interest rates might fall fur-ther. This week, the 30-year fixedrate loan reached about 4.25 per-cent from many lenders (FreddieMac reported the average 30-yearrate as 4.49 percent, a newrecord low). Interest rates on a15-year loan were available as lowas 3.75 percent.
While all this sounds like nearlyfree money, make sure you’rechanging your loan terms for theright reasons. If you plan to be inyour home for the next 20 years,you might want to consider alonger lock on your interest rate.If you’re having trouble payingyour bills, or expect to lose yourjob or income soon, and have ap-plied for the loan change to re-duce your monthly expense, you
JADE CO DYSPECIAL SECTIONS EDITOR
After exhausting day-longconstruction, 68 familiesand nearly 100 children
have a new place to play. Neigh-bor to Neighbor, The Home De-pot and Kaboom partnered tobuild a new 2,500 square footplayground at Coachlight PlazaApartments in Fort Collins.
“We ’re pretty thrilled to beable to offer it to our communi-ty and residents,” said WendieRobinson, executive director forNeighbor to Neighbor. She saidthe project will serve its largestlow-income apartment commu-nity. Since 1970, Neighbor toNeighbor has provided housingoptions, support and counselingfor low-income residents inLarimer County.
The playground was construct-ed in one day, though plans forit started last year with a grantapplication. Neighbor to Neigh-bor contributed $7,500 for theproject, and received majorsponsorship via a $65,000 grantfrom The Home Depot Founda-tion. Representatives from TheHome Depot and Kaboom werealso on hand in construction ef-forts.
The Home Depot is a foundingpartner of Kaboom, a nationalnonprofit organization thatbuilds playgrounds. To date, Ka-boom has built over 1,800 play-grounds and 3.5 million chil-dren. Kaboom’s mission is to
create a place to play withinwalking distance of every childin America.
The previous playground atCoachlight Plaza Apartments,which was constructed in 1982,was old, dilapidated and unsafefor the children, Robinson said.The trio of organizations first re-moved and recycled the olderplayground equipment, thenwent to work on installing thenew playground.
It features picnic tables, treebenches, a shed, a fence aroundthe community garden and apergola for parents keeping aneye on children at play.
“We ’ve been thrilled,” Robin -son said. “Many of the residentsgot involved with the planningand construction.” Children willbe able to play on the play-ground starting Sunday, afterthe cement has dried.
More than 220 volunteersfrom the community, local TheHome Depot stores, Neighbor toNeighbor, and organizers fromthe nonprofit organization Ka-boom helped with the play-ground construction. The HomeDepot Foundation was createdin 2002, and has built or refur-bished more than 1,875 play-grounds, parks and greenspaces. The organization hasgranted $190 million to non-profit organizations.
The Loveland Housing Author-ity worked with Kaboom in Junefor a new playground at OrchardPlace Apartment Community inL oveland.
ABOUT NEIGHBOR TONEIGHBOR
Neighbor to Neighbor servesLarimer County residents inthree key client service areas:
• Renter Program, which as-
sists the homeless and rentersto identify, secure, and maintainaffordable, sustainable housingand work toward self-sufficiency.Neighbor to Neighbor providesup to $300 per household inemergency rent assistance toprevent homelessness.
• Affordable Housing Pro-gram, which provides 126 unitsof safe, decent multi-familyhousing to low-income rentersin 10 properties in Fort Collinsand Loveland.
• Home Ownership Program,which helps renters work towardsuccessful home ownership,counsels homeowners in crisisto help prevent foreclosure andprovides guidance to seniorsconsidering a reverse mortgage.
For more information,visit www.n2n.org,w w w. h o m e d e p o t f o u n d a t i o n . o r gand www.kaboom.org.
Neighbor toNeighbor, Home
Depot collaborateon Fort Collins
p l a y g ro u n d
HUD offers grantsfor counselingCOLORADO AS S O C I AT I O N OF RE A LT O R S
The U.S. Department of Housing andUrban Development announced that$79 million is available for housingcounseling programs to help familiesfind and preserve housing. These grantswill be awarded competitively to HUD-approved counseling agencies and StateHousing Finance Agencies.
National and regional agencies dis-tribute much of HUD’s grant funding toHUD approved community-based hous-ing counseling organizations that pro-vide advice and guidance to low- andmoderate-income families seeking toimprove their housing conditions.
COLORADO AS S O C I AT I O N OF RE A LT O R S
Fannie Mae has announced the launch ofwww.knowyouroptions.com, a new con-sumer education website that outlines
the choices available to homeowners who arestruggling with their mortgage payments,and provides guidance on how they can con-tact and work with their mortgage companyto find solutions.
The online resource, which offers reliableand easy-to-understand information in bothEnglish and Spanish, expands on FannieMae's ongoing efforts to help struggling bor-rowers find alternatives to foreclosure.
Key features of KnowYourOptions.com in-clude:
• Interactive Options Finder to help home-owners identify options that might be rightfor their situation;
• Calculators to help borrowers understandhow many of the options work, including refi-nance, repayment, forbearance, and modifi-cation;
• Videos featuring real homeowners dis-cussing how they received help and housingcounselors providing advice;
• Next steps and helpful forms, including afinancial checklist and contact log to helpborrowers be prepared when contacting theirmortgage company or housing counselor.
Fannie Mae launches online resource toeducate struggling homeowners
Photos courtesy Neighbor to NeighborVolunteers construct a playground for Coachlight Plaza Apartments in Fort Collins on Aug. 12.
Saturday Reporter-Herald Au g u s t 14, 2010 E2
Mortgage rate update
30-year fixed
15-year fixed
5/1 ARM
This week Last week Tre n d
4.52%
3.95%
3.51%
4.57%
4.03%
3.60%
Home & Real Estate isproduced every Saturday
by the Loveland DailyReporter-Herald.
EDITORIAL INFORMATION635-3656
DISPLAY ADVERTISING669-5050
CLASSIFIED ADVERTISING635-3650
Regional Snapshot for Loveland/Berthoud Residential
April 2010 May 2010 June 2010
Active Listings 1126 1117 1101Previous Year Active Listings 1069 1080 1095
Sold Listings 138 158 169
Median Sales Price $199,900 $214,500 $234,000Previous Year Median $183,500 $198,000 $207,500
Average Days on the Market 105 117 132Previous Year ADOM 127 125 121
Year to Date Listings Sold 401 559 728Previous Year YTD Listing Sold 334 440 579
Monthly Volume $34,199,536 $39,407,269 $47,395,158Previous Year Monthly Volume $23,882,898 $24,919,043 $34,313,560
For home and real estateadvice, features and
information, visitwww.homeandrealtyguide .com
Real Estate Transactionsare supplied by Prospects Un-limited Inc., 1151 EagleDrive No. 467, Loveland, CO80537, 667-1537.
L oveland• Justin & Brandy Cook
from Gardner ChristopherC & Elizabeth T, 412 Na-maqua Rd, Loveland,$223,000, home
• Judith Nesbit from Gon-zales Kenneth J, 3850 Car-bondale St, Loveland,$200,600, home
• Thomas Roush fromHess Irene E, 2721 AbarrDr, Loveland, $230,000,home
• Judith Bryant from Huf-faker Ray E Jr & Dawn R,221 E 50th St, Loveland,$180,000, home
• William & Marlene Mer-sch from Hunt L Charline,4771 Dillon Ave, Loveland,$173,000, home
• Neil Piper from HuteErik J & Dawn K, 2636 Su-san Dr, Loveland, $150,000,home
• Mona Oliverius fromOesterle Aaron, 414 Radi-ant Dr, Loveland, $170,000,home
• Jean Wilson from RayDelores Klein Living Trust,2401 W 29th St, Loveland,$265,000, home
• Roger & Janet Williamsfrom Schwerdtfeger Paul &Marci, 4615 Twin Peaks Ct,Loveland, $323,500, home
• Benjamin Darcey fromSowder Jeremy A & Car-men, 365 E 48th St, Love-land, $159,900, home
• Laura Henson fromTartaglia Michael L & Sun-ny C, 3775 Drake Dr, Love-land, $248,000, home
• Ttt Llc from BanksKevin D, 389 BlackstoneCir, Loveland, $232,000,home
• Charles Jack from Mar-shall Steven G & Brenda A,3942 Crestone Dr, Love-land, $217,500, home
• Andrew & ChristineMoore from Eckert MichaelJ, 1250 E 4th St, Loveland,$115,000, home
• Walter & Denise Broed-ner from Helms Sheldon H& Norma J, 1627 E 16th St,Loveland, $325,000, home
• Charles & JudithCegielski from Karnes Nan-cy Helen, 2102 Van BurenAve, Loveland, $185,000,home
• Martin Palmer fromObendorf Kevin A, 1236 NJefferson Ave, Loveland,$135,100, home
• Crop Inc fromRangeview Four Llc, 3005Rocky Mountain Ave, Love-
land, $15115,500, home• Mark & Linda Anderson
from Calato Katharina J,895 Owl Grove Pl, Loveland,$569,000, home
• Daniel & ChristineBurseth from GarnerRobert N Jr & Patricia L,412 Mustang Dr, Loveland,$385,000, home
• Holly Simpson fromHoffman Derrick E, 3282Coal Creek St, Loveland,$179,000, home
• Brent Irwin from Hous-er Patrick, 4433 SweetgrassDr, Loveland, $349,000,home
• Cortina Llc from JRoberts Constr Llc, 524 W69th St, Loveland,$250,000, home
• David & Ellen Shepherdfrom Jold Inc, 5979 Gita-long Rd, Loveland,$197,000, home
• John Hostetler fromMartinez Beatrice M, 844Black Maple Dr, Loveland,$150,000, home
• Nancy Ballard fromMorey Daniel P & Gina L,4868 Harrison Ave, Love-land, $159,900, home
• John & Catherine Lehn-er from Williams Robert A& Janice H, 1489 ScenicValley Dr, Loveland,$412,500, home
• Joseph & Jaclyn Henry
from Hsbc Bank Usa, 4275Hawg Wild Rd, Loveland,$104,000, home
• Loveland C from Love-land City Housing Authorit,1238 Garfield Ave, Love-land, $180,000, home
Berthoud• Edward Davis from Ken-
neth Virginia Schleiger Liv,414 Indiana Ave, Berthoud,$110,000, home
• Michael & Sunny Tartfrom Hillam Blake & BeckieK, 1727 Wales Dr,Berthoud, $395,000, home
• Manuel & Lynne Des-ousa from Fannie Mae, 815Green Wood Dr, Berthoud,$235,000, home
• Ching Wu from GarciaCandelario, 110 E TurnerAve, Berthoud, $215,000,home
• Andrew & Sandra New-comb from Dennis RobbinsCarpentry Inc, 1731 WalesDr, Berthoud, $322,000,home
• Maurice & Carol Mizerfrom Sterkel Marvin E &Harvey W, 209 Hubbell St,Berthoud, $238,000, home
• Joanmarie Bernardfrom Hershman Daniel L,3190 Rotor Wy, Berthoud,$145,000, home
• Haiko & Monika Eichlerfrom Tarkington Kathryn P,
980 Welch Ave, Berthoud,$157,000, home
Estes Park• Wulin Lee from Bartram
Roger A & Cheryl L, 1825Ranch Cir, Estes Park,$280,000, home
• Howard & HelenSchroeder from Richard HWille Trust, 1610 Raven Cir,Estes Park, $392,500, home
• Terry & Janet Larsenfrom Tall Henry C & JoanM, 2230 Larkspur Ave,Estes Park, $335,000, home
• Margaret & MargaretRiedesel from WhiteBernard A & Carol Lou, 732Par Ln, Estes Park,$325,000, home
Johnstown• John Ramirez from
Bright William T, 518 Peb-ble Beach Ave, Johnstown,$159,500, home
• Lowell & Sally Harrisfrom Hartford Homes Inc,4384 Thompson Pkwy,Johnstown, $410,000,home
• Michael & Della Allenfrom Kottler Mitchell, 313Graham Ln, Johnstown,$280,000, home
• Randolph & Heidi Hillfrom Estergard Michael &Amy Jordan, 325
Hawthorne Ave, Johnstown,$181,000, home
• Beverly Joberg fromHouston Derrald H & Mar-sha K, 1746 Canvasback Dr,Johnstown, $275,000,home
Windsor• Tambor Williams from
Hibbert E G, 6403 HalfMoon Bay Dr, Windsor,$365,000, home
• Jonathan & MichelleKary from Yost Paige S, 305Habitat Cv, Windsor,$535,000, home
• Bryan & Pamela Hard-man from Melody HomesInc, 1563 Windshire Dr,Windsor, $278,500, home
• James & Joy Fergusonfrom Valenti Michael &Mary, 2043 River West Dr,Windsor, $370,000, home
• Charles & PatriciaSmith from WestmarkHomes Inc, 7366 SpanishBay Dr, Windsor, $343,900,home
• Jonathan & WilliamAinslie from Fannie Mae,6543 Pumpkin Ridge Dr,Windsor, $346,900, home
• Todd Stanton from Fed-eral Home Ln MortgageCorp, 6742 Crooked StickDr, Windsor, $476,000,home
H& Real Estate TransactionsRE
Open Houses This Weekend - www.thegroupinc.com
SATURDAY 11:00 - 1:00 SATURDAY 2:00 - 4:003133 Blue Mountain Court, Loveland - Recent remodel. New slab granite kitchen counters & range/cooktop & dishwasher.Two �er walk out porch on this gorgeous colonial style home. Two car a�ached garage & an oversized detached garage/workshop Trex deck w/built-in hot tub & retractable awnings. Hosted by: Mark Moran 218-1891.
739 N Co Rd 23H, Loveland - Amazing close to town acreage-No HOA-No covs- 3 car garage + 48x36 shop w/ RV storage & workshop. Fabulous ranch style home w/an open floor plan. 4 beds + an office & bright, finished walkout basement. 14mnth Home Warranty.
Call Cindy Kurtz962-6832
Call Kathy Boeding231-9073
$495,000MLS#634211
$525,000MLS#635745
SATURDAY 1:00 - 3:00SATURDAY 2:00 - 4:004111 Marble Drive, Loveland - Immaculate pa�o home in desirable Emerald Glen. Spacious dining & living rooms w/gas FP, master bdrm w/ 5-piece bath w/lgsoaking tub & walk-in closet. Grab bars at doors and showers to provide addi�onal safety. Hosted by: Bob Skillman 631-2257.
2102 Farisita Drive, Loveland - All brick custom home. Over 2,000 SF on 1 level. New carpet thru-out. Solid wood 6 panel doors, Pella windows, Jenn-aire range, oversized garage, clean hot water heat. Spacious corner lot. Southern exposure w/views of Rist Benson Lake. Hosted by: Mark Moran 631-2257.
Call Cindy Kurtz962-6832
Call Cindy Kurtz962-6832
$245,000MLS#632869
$241,500MLS#634231
SATURDAY/SUNDAY 1:00 - 5:00
Call John Simmons481-1250
$179,000MLS#631317
SATURDAY 12:00 - 2:001742 Manchester Court, Loveland - Immaculate 4-level on corner lot w/ new carpet & �le, vaulted ceilings, master bed w/ walk-in closet, new kitchen Formica on counters & island, �le backsplash, oak floors in dining, family & ea�ng area & gas fireplace in family room.
Call Mary Laing690-7288
$210,000MLS#632731
SATURDAY/SUNDAY 1:00 - 3:00 SATURDAY 1:00 - 3:004501 Lucerne Avenue, Loveland - Be�er than new townhome w/decorator paint colors, black appl, A/C & garage door opener. Open flr plan w/cathedral ceilings, 2 bdrms, 3 bths, lo� area & a�ached 2-car garage. Low HOA. Hosted By: Diana Luthi (Sat) 461-2692 and Jesse Laner (Sun) 672-7212.
1210 W 15th Street, Loveland - Immaculate ranch home. Me�culously maintained home that is true to its era. New garage doors & openers in 2009, replaced driveway in 2005, roof in 2004. 1” solid cedar wood siding painted in 2008. Water heater in 2008. Vinyl windows, sprinkler system & AC.
Call Diana Luthi481-2692
Call Jesse Laner672-7212
$153,000MLS#634552
$175,000MLS#636507
10818 Cimarron Street #204, Firestone - Fully upgraded, wrap around covered porch + outside storage, hardwood floors, fireplace, breakfast bar, full 2nd bath w/�le floor, a�ached gar w/storage access, AC, Master Suite & 5-pc bath, walk in closet, Flat screen TV included.
ONLY 4 UNITS LEFTSELLERS OFFERING $5,000 ALLOWANCE
SUNDAY 1:00 - 3:00353 Indiana Avenue, Berthoud - Brand new carpet & kitchen flooring! Warm wood finishes adorn this spacious home w/3 bdrms + add’l office space, 3 bths, oversized 2 car garage & detached shop/studio w/220 electric. Huge deck overlooks lg mature backyard. Hosted by: Bob Skillman 631-2257.
Call Cindy Kurtz962-6832
$200,000MLS#615783
SUNDAY 11:00 - 1:001625 Tiger Avenue, Loveland - 2 story home in SW Loveland. 4 bd+lo� , 3 bth w/a family room, formal living & dining. New carpet, paint, lights & more. Corner lot w/beau�ful landscaping. Gardens, sprinklers, pa�o, fenced yard, central A.C., RV/Boat Parking.
Call John Simmons481-1250
$237,500MLS#633686
www.thegroupinc.com/1625
SATURDAY/SUNDAY 12:00 - 5:001020 Burrowing Owl Drive, Ft. Collins - Choose from 4 ranch & 5 two-story floor plans. 1,625 to 2,535 finished sf. Base prices from $259,000 to $320,000. Generous list of included features in every home! Energy efficiency built into every home.
Call Dianne Breneman222-8549
$299,000MLS#621175
NEW HOMES IN SE FORT COLLINS
SUNDAY 1:00 - 3:001016 Janna Drive, Loveland - This home boasts of an updated kitchen w/slab granite countertops & upgraded appliances. Dining area opens to deck overlooking a private back yard featuring a large lower deck. Master suite w/5-piece bath.
Call Tracy Wilson567-0907
$309,500MLS#633055
SIMPLY IRRESISTIBLE
SUNDAY 2:00 - 4:001230 Inca Dove Circle, Berthoud - 2 beds + den & oversized garage give you all the space you need. With the maintenance free lifestyle you have earned there will be �me to join in ac�vi�es at the clubhouse or enjoy the serenity of the views. No neighbors behind-just open space.
Call Kathy Boeding231-9073
$310,000MLS#622460
TUESDAY - SUNDAY 1:00 - 4:004635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model home at The Pa�os in Thompson Crossing. 6 ranch plans, 3 car gar op�ons, garden level lots, views, low HOA dues. Convenient loca�on, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low maintanence living at it’s best!
Call Val Schlageter217-3464
Priced From $324,000MLS#607818
SUNDAY 1:00 - 3:00402 Mariana Pointe Court, Loveland - 3 bedroom, 3 1/2 bath Pa�o home in the gorgeous, quite Mariana Bu�e. Country Club living without the Country Club fees. 12x13 lo� in the upper level. Alder cabinets, Brazilian cherry hardwood, granite, huge deck for entertaining with mountain and water views. Hidden wine room. So many upgrades.
Call Denise Kloster402-9100
$485,000MLS#632555
SATURDAY 11:00 - 3:004785 Ignacio Court, Loveland - Huge vaulted ceilings, hand-distressed hardwood flooring, 8’ solid wood doors & custom blinds. Granite countertops, auto-lighted pantry, pasta pot filler, ss apps & alder cityscape cabinets. 2 flat screen TVs. 2 fireplaces.Whole-house surround system. 4 car heated garage.
Call Tracy Wilson567-0907
$530,000MLS#630305
BACKS TO OPEN SPACE
SATURDAY/SUNDAY 12:00 - 5:00939 Snowy Plain Road, Fort Collins - 2-story offers approx 2,496 finished sq � + a full unfinished bsmt. 3 beds + a lo�, 3 car tandem garage, Upgrades galore including all appliances, front yard landscaping & rear yard fencing! Views of Pelican Marsh open space from backyard.
Call Ma� Thompson443-9910
$335,000MLS#626295
SATURDAY 1:00 - 3:00810 Village Drive, Milliken - Model home for sale! Ranch and 2 story plans to chose from, with 3 bedrooms & 2 baths. Front yard landscaping with sprinkler included. Visit the model home at 810 Village Dr or call for a personalized showing!
Call Kelli Couch310-8804
$169,900MLS#624598
NEW HOME!
Northern Colorado
Real Estate Sourcew w w . t h e g r o u p i n c . c o m
Online version of publication at www.thegroupinc.comcontaining links to detail pages for most listings.
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Saturday Reporter-Herald Au g u s t 14, 2010 E3
H& Real EstateRE
JENNIFER LEHMANSPECIAL SECTIONS RE P O RT E R
Kevin Bunnell and Rod Smith, of Dis-covery Homes, LLC in Greeley, areseeking an investor for Park Place
Plaza, their project at Railroad and 1st inL oveland.
The partially completed Park Place Plazawas designed to include 16 condominiumunits and 5,500 square feet of commercialspace. Designs included eight two bed-room, two-bath units, four of which arehandicap accessible, and eight three bed-room, three-bath units.
Bennell hoped to market it to currentrenters downtown who he believes wouldget a better deal by buying a condo unit athis property rather than continuing to rentat their current rate.
“These are the only new residential andnew commercial units available in the olddowntown area.” After talking with poten-tial commercial customers, they found “itwas actually less expensive for (businesses)to buy our units than to rehab old unitsthey were looking at in downtown Love-land,” he said.
But the property, and all original plansand intentions, have been at a stand stillfor more than a year.
The project fell into a perfect storm whenthe completion of a two year City of Love-land Building Division approval process setback the estimated time line, putting theproject at about a halfway point whenbanks nationwide began collapsing as a re-sult of the mortgage crisis.
New Frontier Bank of Greeley, whereBunnell and his partner got a constructionloan for about $2.3 million, went under inApril of 2009 leaving their loan in thehands of the FDIC.
In meetings with the FDIC they were toldto find more financing so they could gettheir loan back.
“Basically we went to a dozen differentbanks, we knew what the response was go-ing to be.” While some of the bankers wereenthusiastic about the project, Bunnellsaid, they were turned down every time.
“That's the problem. We're half way done.FDIC is saying go out and get good financ-ing. Easier said than done,” he said.
Bunnell and Smith moved on to privateinvestors, looking for someone who wouldbuy the loan from the FDIC, but negotia-tions with the FDIC didn't bring down thecost of the loan enough for investors hop-ing to get a return on the project, Bunnellsaid.
“It took them a really long time and theycame back at ridiculous amounts thatweren't going to work. They keep chargingus interest on the loan, of course and in thecourse of the last year the loan has gottenbigger because of the interest.”
“The whole thing is, it's not our fault. It’snot our fault the bank went out of busi-ness.”
After negotiations on the loan ratestalled and waiting two months to hearback from them, the FDIC offered to bun-dle their loan with several others and drawthe attention of larger investors, Bunnellsaid. Bunnell and Smith agreed and arenow waiting to find out which investor gotthe bundle with their loan in it, somethingthey expect to find out any day now.
Meanwhile, with no project funds to con-tinue construction, the partners are usingpersonal funds to maintain the property in-cluding keeping grass and weeds cut to citystandards, removing trash people dump onthe property and boarding up doorways tokeep trespassers away.
They also haven't been able to pay theirexisting debtors from the project. “We've al-ways been really good about paying oursubcontractors but our hands our tied.”
Bunnell said most of the contractors havebeen pretty understanding but do call tofind out the status of things.
Bunnell has had interest in the condosbut his financial situation prevented himfrom moving forward.
“We had three parties that were ready tobuy the condos, but we didn't want to takethe money because we don't know whenwe're going to get financing to get goingagain,” he said.
Bunnell said he is weary that he does notknow who the new FDIC lender is or howcooperative they will be and hopes to findanother investor to buy it from them so hehas more knowledge of who he is dealingwith.
“If there's investors out there, we're morethan happy to talk to them about the pro-ject. We're trying to be a little proactiveabout it and have someone waiting in thewings if we can, to buy out the new lenderwhen the time comes.”
The team is looking for an investor who iswilling to buy off the FDIC lender and payoff existing contractors who are owed fromthe project. “Basically, they will be newowners and we are happy to finish it for
them or they can do it themselves. We canmarket it for them. We have a marketingplan already in mind, we just don't have thefinancial capability to do it anymore.”
At this point, Bunnell and his partnerwant to get out from under the project andfind and investor with financial means tofinish it. They are interested in helpingcomplete the project or the investors couldfind another contractor.
“We spent four years of our lives in thisproject, just don't have the financial capa-bility to continue so we just need to findsomebody that does.”
Bennell and his partner planned to sellthe commerical and residential units be-cause they are not in the business of prop-erty management, but they have receivedmany calls from people interested in rent-ing an apartment or office space there.
“The condo units haven't been subdividedyet so if an investor wanted to, they couldcome in and create apartments instead andrent them out,” Bennell said.
“There is probably well over a million dol-lars to be made by somebody. Unfortunate-ly, it won't be us.”
D ow n t ow np ro j e c tseeks
i nv e s t o rs
Photos Special to the RHOwners of Park Place Plaza at Railroad and 1st are seeking investors to help completethe project.
33-314552
$142,600 Priced Reduced $9K! Main Floor Ranch, 3BD, 2BA Condo. 1234 sq. ft & 1 car garage, private patio & separate courtyard, corner location faces large greenbelt, kitchen appliances, ready to occupy!
1935 Grays Peak Dr. #5-103, Loveland
OPEN HOUSE SUNDAY 1-3 P.M.
Sharianne DailyRE/MAX Alliance(970) [email protected]
Use Redwing to access this home due to construction on Maddison Ave. Nicely updated 3 Bedroom, 1 bath home with new carpet, paint, windows, and bath. Seller Motivated!!
1119 E. 15th Street, Loveland
OPEN HOUSE SUNDAY 1-3 PM
Gayle SchinkPrudential Rocky Mountain, [email protected] www.prudentialrmr.com
Great 4 bed/2 bath home! Like new inside: repainted, new carpet & new kitchen countertops. Garden level offers a fi nished family room w/fp. Home is on LARGE corner lot! MLS#633897 $199,900
4305 Grant
OPEN SATURDAY, AUG 14TH, 10-11:30AM
Ryan AndreSears Real Estate970-381-1081 / 330-7700www.andrerealestate.com
Covered front porch welcomes you to this well cared for 3 bdrm, 2 bath ranch, basement. Kitchen with walk-in pantry, upgraded appliances. Fenced spacious yard & more. Priced at only $ 215,950
2054 Blue Duck, Loveland CO
OPEN HOUSE SATURDAY 11 - 2
Lucinda MathesonPremier Lifestyle Realty970-290-9824plrealty@qwestoffi ce.net
Boedecker Lake Rights! Pristine 4BR home w/unobstructed views & convenient access to lake. Hickory cabinets, slab granite counters, crown molding, new carpet & deco paints. Unfi nished bsmt. MLS#631711
513 Cape Dory Drive
OPEN SUNDAY 1-3PM
Barbara GieseyColdwell Banker Residential [email protected]
Walkout bsmt., open fl oor plan, panoramic views. In select group of lots. Pittington Ranch. Many upgrades. Must see. W. on Hwy 34, S. on CR 29 to 18E. 2.3 miles to Flat Iron Rd., right to Reservoir.
NEW CUSTOM RANCH - 288 RESERVOIR
OPEN HOUSE SAT. & SUN. 1-4 TRADES CONSIDERED
John MatheyPremier Lifestyle(970) 613-4400(970) 481-5512
Fantastic 1.80 ac property at Carter Lake. Mobile home on property could be used temporarily until home is built. Less than 1/2 mile to boat ramp and store. Owner fi nancing available. $199,900 #619789
9500 Prairie Way, Loveland
OPEN HOUSE SATURDAY 11AM-1PM
Ursula Albers Century 21 Humpal, [email protected]
OPEN WED 11AM-1:30PM • FRIDAY 8AM-1:30PM • EVERY SUN 12PM-2PM. 2+Acre Lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boat docks, fi shing and peace garden.
Warberg Farm at Chapman Reservoir
OPEN - SATURDAY 11AM-2PM
Kurt Albers Century 21 Humpal, [email protected]
Vintage 2-story Victorian built in 1906! 4BD, 2BA, 3284sf plus 1115sf attic w/ high ceilings & turret for extra living space. House & old barn sit on 1.56 acres. Excellent commercial potential!
500 1st St - Berthoud - $425,000
OPEN HOUSE SUNDAY, 8/15 FROM 12-3PM
Marian Maggi970-290-0908marian@berthoudrealestate.comwww.berthoudrealestate.com
Beautiful 4000+ sq ft home on almost 1 acre lot. 2 story, 4 BR, 5 Baths. New carpet, paint, master BR, tile, stainless appliances, hardwood fl oors, 3 car garage. Outdoor kitchen area.
503 Eagle Crest Ct. - Loveland
OPEN HOUSE SATURDAY 1-3
Kim Schulz Prudential Rocky Mountain [email protected]
FEATURED PROPERTIES UP TO $199,999FEATURED PROPERTIES UP TO $199,999
LAND FOR SALELAND FOR SALE
$200,000 - $299,999$200,000 - $299,999 $300,000 - $399,999$300,000 - $399,999
$400,000 - $499,000$400,000 - $499,000 $500,000 +$500,000 +
287
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New Homes Priced in the Mid 200’s in Desirable Seven Lakes Area5 Piece Master Baths, Walk-in Closets, Air Conditioning, 3 Car Garages,
Unfi nished Basement, Lake Rights4 Ranch Plans and a 2 Story with Main Floor Master to choose from
E 29th St.
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Seven Lakes Dr.
35-3
1407
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D.E. BURNS CONSTRUCTIONQuality • Integrity • Experience • Reputation
970.669.8386
OPEN HOUSE SAT. & SUN. 1PM-4PM
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at The CottagesOnly two available
4496 Hayler Avenue, Loveland4403 Elliot Place, Loveland
970-532-5900WWW.TEAMCOOK.BIZ
(*w/ qualifying special financing)
STARTING IN THE $140’S*
Enchantment Ridge
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Saturday Reporter-Herald Au g u s t 14, 2010 E4
should also consider cutting other expensesout of your life to give yourself a greatercushion.
While most people usually focus on theirloan interest rate, they forget that real estatetaxes seem to still be going up along with in-surance expenses and other costs. If you arehaving trouble affording your payments, thenew loan might help for a while, but youneed to understand where you are spendingyour money to keep your expenses underc o n t ro l .
Question: I have a home mortgage forabout $110,000. I wasn’t aware of this, butapparently four liens have been filed againstour home. The total amount of the liens is$19,000.
I have a 401(k) with about $100,000 in it. Iwant to pay off these liens. Please suggestthe best way for me to do this.
Answer: Do you actually owe the money onthese liens? How did they come to be at-tached to your property without your knowl-edge? What are the liens for?
You should speak with a real estate attor-ney to find out why liens have been attachedto the property, whether you owe this moneyand actually should pay them off, and how.
If you don’t know a good real estate attor-ney, please contact your local bar associationand ask for the head of the real estate com-mittee. Ask that attorney to help you find anattorney who would be knowledgeable in thearea of liens. Once you sit down with theright attorney, you’ll be able to figure out away to make sure the money you owe is paid.
If you do owe the money, you might wantto consider the tax effects of a withdrawalfrom your 401(k). If you are under the age of59 1/2, you will pay a penalty on the earlywithdrawal and the money you take out willalso be taxed. In plain words, a withdrawal of$19,000 might cost you an additional$7,000, depending on several factors.
There may be less expensive ways foryou to pay what you owe. Please considerall of the options.
Question: I decided to take a risk andmake an offer on a short sale. The offerwas accepted by the seller, and the agentcalled me today to say he just learnedthe property was set to be foreclosed on
next Tuesday.He called the listing agent, and she said
she was pretty sure that the lender wouldpull it off the auction list as we have made agood offer.
I’m wondering if it would it be better forme to go ahead and withdraw my offer andthen bid again once the property goes up forauction? We’re cash buyers, so we don’t haveto worry about financing the purchase.Thank you.
Answer: I’m not sure you’d be better offwaiting to purchase this property. You mightwind up paying the same price, or more, oryou might lose the property to another in-v e s t o r.
The real question is will the lender acceptyour offer with the property about to go intoforeclosure. It’s great that the seller accept-ed your offer, but the seller doesn’t get tomake the final decision. If the lender has al-ready decided to foreclose, and that processis in motion, the lender might have alreadydecided not to accept your offer and moveon.
If you’re already rethinking the offer, andwondering if you made a good move, thenmaybe you’re not really ready to buy thisproperty. But if you felt confident that theprice you offered for the short sale was fair,you should move forward and see if thelender will accept it, and allow you to closeon it quickly.
One advantage of a foreclosure over a shortsale is that you might get good title to thehome through a foreclosure and have all ex-penses that are owed by the seller paid off atthe settlement or closing of the property.With a short sale, you may be assuming pay-ment of some items.
Please research the method in which fore-closures work in your state and determinewhat risks you take when you buy a foreclo-sure over a short sale.
Good luck.
For more information, callGlink’s radio show at800-972-8255 on Sundaysfrom 9 to 10 a.m., write to RealEstate Matters Syndicate, P.O.Box 366, Glencoe, IL 60022 orvisit www.thinkglink.com.
Real Estate Matters
GLINKFrom Page E1
SHORT SALE OPPORTUNITY
OPEN HOUSE - AUGUST 21ST & 22NDOPEN 1-4 PM SATURDAY & SUNDAY NEXT WEEKEND
Awaken your senses and rejuvenate your soul amidst the lavish comforts of this elegantly rustic Colorado estate. Enveloped by acres of open space and strategically built on a ridgeline to capture panoramic views of rock outcroppings and lush mountain meadows, this distinctive property is sited at 4466 Howling Pines Way in Loveland’s northwest foothills. Its gently sloping, privately maintained gravel road is just 10 minutes from the major intersection of Wilson and Eisenhower (Hwy 34) in the heart of Loveland.
Resting on 18.7 private acres overlooking the city to the east and snow-capped mountain peaks to the west, this 5-bedroom home boasts 4,800 square feet of carefully planned and impeccably finished living space. Its thoughtful floor plan artfully balances personal space with common areas making it as functional for everyday living as it is for flawless entertaining. $795,000For more information about the estate’s features & driving directions please visit wwwRonMcCrimmon.com
Ron McCrimmonc: 970.214.2763 e: [email protected]
33-3
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To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050
For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifi eds” section of this publication. This guide is brought to you
by the Daily Reporter-Herald, local real estate agents and area builders.
WWW.HOMEANDREALTYGUIDE.COM•CLICK ON OPEN HOUSE MAPS
33-3
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saturday sundayPRICE LOCATION ADDRESS HRS OFFICE PHONE
$149,900* NW LOVELAND 43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 970-532-5900
$153,000 NW LOVELAND 4501 LUCERNE AVE 1-3 THE GROUP, INC. 970-481-2692
$169,900 JOHNSTOWN-MILLIKEN 810 VILLAGE DR 1-3 THE GROUP, INC. 970-310-8804
$169,900* NW LOVELAND 4403 ELLIOT PLACE 12-5 THE COTTAGE REALTY 970-532-5900
$175,000 NW LOVELAND 1210 W. 15TH ST 1-3 THE GROUP, INC. 970-672-7212
$179,000 FIRESTONE 10818 CIMMARRON STREET #204 1-5 THE GROUP, INC. 970-481-1250
$190,565* NW LOVELAND 3399 FOSTER PLACE 12-5 THE COTTAGE REALTY 970-532-5900
$210,000 NE LOVELAND 1742 MANCHESTER CT 12-2 THE GROUP, INC. 970-690-7288
$227,900 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 532-5900
$241,500 NW LOVELAND 2102 FARISITA DR 2-4 THE GROUP, INC. 970-631-2257
$245,000 NW LOVELAND 4111 MARBLE DR 1-3 THE GROUP, INC. 970-631-2257
$279,685 NW LOVELAND 4475 HAYLER AVE 12-5 THE COTTAGE REALTY 970-532-5900
$299,000 FORT COLLINS 1020 BURROWING OWL DR 12-5 THE GROUP, INC. 970-222-8549
$324,000 SE LOVELAND 4635 TARRAGON DR 1-4 THE GROUP, INC. 970-217-3464
$335,000 FORT COLLINS 939 SNOWY PLAIN ROAD 12-5 THE GROUP, INC. 970-443-9910
$385,400 SW LOVELAND1/4 MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
12-4 GLEN MARKETING TEAM, ERA 970-663-4522
$399,750 SW LOVELAND 975 PRISM CACTUS CIR 12-4 GLEN MARKETING TEAM, ERA 970-663-4522
$439,000 SE LOVELAND 503 EAGLE CREST CT 1-3 PRUDENTIAL ROCKY MTN 970-481-1544
$495,000 SW LOVELAND 3133 BLUE MOUNTAIN CT 11-1 THE GROUP, INC. 970-218-1891
$525,000 SW LOVELAND 739 N CO RD 23H 2-4 THE GROUP, INC. 970-231-9073
$530,000 NW LOVELAND 4785 IGNACIO CT 11-3 THE GROUP, INC. 970-567-0907
$895,000 SW LOVELAND 288 RESERVOIR DR 1-4 PREMIER LIFESTYLE 970-481-5512
PRICE LOCATION ADDRESS HRS OFFICE PHONE
$142,600 NE LOVELAND 1935 GRAYS PEAK DR #5-103 1-3 RE/MAX ALLIANCE 970-215-8844
$143,000 NE LOVELAND 1119 E 15TH ST 1-3 PRUDENTIAL ROCKY MTN 970-215-4791
$149,900* NW LOVELAND 43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 970-532-5900
$153,000 NW LOVELAND 4501 LUCERNE AVE 1-3 THE GROUP, INC. 970-672-7212
$169,900* NW LOVELAND 4403 ELLIOT PLACE 12-5 THE COTTAGE REALTY 970-532-5900
$179,000 FIRESTONE 10818 CIMMARRON STREET #204 1-5 THE GROUP, INC. 970-481-1250
$190,565* NW LOVELAND 3399 FOSTER PLACE 12-5 THE COTTAGE REALTY 970-532-5900
$200,000 BERTHOUD 353 INDIANA AVE 1-3 THE GROUP, INC. 970-631-2257
$215,000 SW LOVELAND 2420 DERBY HILL DR 11-1 PREMIER LIFESTYLE 970-214-4173
$227,900 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 970-532-5900
$237,500 SW LOVELAND 1625 TIGER AVE 11-1 THE GROUP, INC. 970-481-1250
$279,685 NW LOVELAND 4475 HAYLER AVE 12-5 THE COTTAGE REALTY 970-532-5900
$299,000 FORT COLLINS 1020 BURROWING OWL DR 12-5 THE GROUP, INC. 970-222-8549
$309,500 NE LOVELAND 1016 JANNA DR 1-3 THE GROUP, INC. 970-567-0907
$310,000 SE LOVELAND 1230 INCA DOVE DR 2-4 THE GROUP, INC. 970-231-9073
$324,000 SE LOVELAND 4635 TARRAGON DR 1-4 THE GROUP, INC. 970-217-3464
$335,000 FORT COLLINS 939 SNOWY PLAIN ROAD 12-5 THE GROUP, INC. 970-443-9910
$385,000 SW LOVELAND 513 CAPE DORY 1-3 COLDWELL BANKER 970-222-4035
$385,400 SW LOVELAND1/4 MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
12-4 GLEN MARKETING TEAM, ERA 970-663-4522
$399,750 SW LOVELAND 975 PRISM CACTUS CIR 12-4 GLEN MARKETING TEAM, ERA 970-663-4522
$425,000 BERTHOUD 500 1ST ST 12-3 RE/MAX TOWN & COUNTRY 970-290-0908
$485,000 SW LOVELAND 402 MARIANA POINTE CT 1-3 THE GROUP, INC. 970-402-9100
$895,000 SW LOVELAND 288 RESERVOIR DR 1-4 PREMIER LIFESTYLE 970-481-5512
Saturday Reporter-Herald Au g u s t 14, 2010 E5
NAT I O N A L AS S O C I AT I O N OF RE A LT O R S
The National Association of Realtors and the Na-tional Housing Conference partnered to host a re-gional forum in Austin, Texas, last week to discuss
workforce housing issues and help create more afford-able housing opportunities for public and private sectorworkers in the south central region.
During the day-long Bring Workers Home forum, Real-tors and local and state housing leaders examined theregion’s workforce housing challenges, highlighted re-gional best practices to address those challenges, andshared and discussed strategies for how workforce hous-ing programs can help more working families find af-fordable, decent housing near their workplace.
For many low- to moderate-income workers like teach-ers, hospitality staff, retail clerks, office employees andemergency personnel, having a full-time job doesn’tguarantee their family a decent, affordable place to live.It’s especially difficult for those who live in high-cost ar-eas and whose salaries have not kept pace with localhome prices.
Not having affordable housing in close proximity tojobs can lead to longer commutes, sprawl, and trafficcongestion; this can degrade the quality of life for allresidents. Increasingly, communities have come to rec-ognize that affordable housing impacts the economicand social well-being of the entire community, and thatcreating more affordable housing options is essential.
The forum attracted more than 100 attendees, includ-ing Realtor associations and their members, businessleaders, housing and community development profes-sionals, city council members and other elected and ap-pointed officials, and human resource and employeebenefit professionals from Colorado, Nevada, Oklahomaand Texas.
The forum began with a morning panel discussion,where experts discussed the region’s growing “cost ofplace” — the combined costs of housing and transporta-tion — and how workforce housing strategies can helpcommunities address the issue.
Two afternoon panels highlighted case studies of suc-cessful workforce housing programs and discussedstrategies for advancing workforce housing throughcommunity partnerships.
Realtors had the opportunity to participate in NAR’sEmployer-Assisted Housing class to better understandemployer-assisted housing benefits and to learn how tobetter work with local businesses and organizations toimplement employee housing benefits.
The nonprofit National Housing Conference is dedicat-ed to helping ensure safe, decent and affordable housingfor all Americans. To learn more about the NHC and itsresearch affiliate, the Center for Housing Policy, pleasego to www.nhc.org.
Regional forumdiscusses workforce
housing issuesCraftsman features adorn Ethridge
H& Featured Home PlanRE
AS S O C I AT E D DESIGNS
Admiring glances area given with theEtheridge. The
home’s full spectrum ofCraftsman detailing guar-antees it.
Each of the numerouswindows has Craftsman-style multi-paned windowuppers, and a slender rowof them caps each garagedoor. Shake-textured sidingfills the gable fronts, whiletapered columns supportand highlight the frontporch as well as the cov-ered patio at the rear. Kingposts crown the porch en-tr y.
Entering via the vaulted
porch, you step into a high-ceilinged foyer. A wideopening on the right leadsinto a living room with afireplace, shelving and acomputer desk. The small-er opening on the leftbrings you into an alcovewith two doors. One opensa coat closet and the othergoes to a powder room.
Large and naturallybright, the family room isat the heart of this home.Decorative drop beams runfront to back, drawing eyesto the stone-lined wood-stove alcove at the rear,and the transom-crownedatrium doors that flank it.This spacious area thenflows into the nook andkitchen. Built-in seating
lines the nook’s rectangu-lar window bay.
Cabinets and built-in ap-pliances line the kitchen onthree sides, while countersrun along two. A raisedconversation bar rims awork island with a prepsink, and a roomy walk-inpantry fills one corner.Laundry appliances arenearby, in a spacious, well-appointed utility room withlinks to both the garageand a pass-through mud-
room with backyard access.The Etheridge’s vaulted
owners’ suite is a secludedretreat. It boasts a fire-place, a luxurious bath-room, and two deep walk-inclosets. Two more bed-rooms and bathrooms areupstairs, along with a skylitbonus room and an attic-style storage room.
For more information,call (800) 634-0123, orvisit www.AssociatedDesigns.com.
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505 E. 4th St Loveland 970.203.0284
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33-3143
Nanci Garnand227-1327622-1810
www.4568Mead.com • www.LivingInLoveland.comGreen Built home with 2-car garage, wood floors in kitchen, dining area, and hallway. Master bedroom has private bath. Brick patio perfect for gas grill. Fenced backyard. $195,000
Nanci Garnand227-1327622-1810
www.604W33rd.com • www.LivingInLoveland.com3 Bed, 1 Bath Ranch Style Home. Updated Bathroom, fresh paint, new applianes and laminate floors, hardwood in all 3 bedrooms, utility shed. Oversized Family Room. $165,000
Julie Stinson622-1809
1609 Melissa Dr., LovelandAre you looking for a unique floor plan? This maybe it!! Updated multi-level on a large lot in SW Loveland. Immaculate! 4 bedrooms and 2.5 baths, hardwood floors, covered patio, garden shed and RV parking. MLS #621087. $212,000
Julie Stinson622-1809
187 Cobalt, LovelandGreat Price! Super modern design, custom upgrades, energy efficient, two master suites, full unfinished basement, bamboo flooring, tank-less water heater, two balconies & European cabinets. MLS #628847. $193,900
Julie Stinson622-1809
2516 Estrella Ave., LovelandLocation! Location! Location! This property is located in the very desirable Park Hill Subdivision. Almost 3000 sq ft of finished area. 4 bedrooms, 3 baths, fireplace, wood stove, covered patio, master bedroom suite, spacious living room and two family rooms! Stop by and take a look!! MLS #630168. $250,000
Julie Stinson622-1809
2165 Westbourne Dr., LovelandClose to hospital, bike trail, Boyd Lake and shoppping. Ranch with vaulted ceilings, kitchen island, fireplace, central air, finished basement and a nicely landscaped yard. MLS #636465. $183,500
Kendra Adams388-0456
1693 Stove Prairie Cir., LovelandWow Factor is here w/ 5 brms, 4 ba & 3 car. This home offers main floor master suite, kitchen with hearth, granite counter tops, formal dining rm, finished bsmt and more. MLS #634024. $349,900
De Shunn222-7001
1680 Tabeguache Mountain Dr., LovelandMt. views from the covered patio, living, dining & master. Spacious open floor plan, 2 fireplaces, beautiful Wormy Maple cabinets, wood floors, E-glass, 9 ft. basement ceilings. Large corner lot, professionally landscaped, oversized 3 car (900 sq ft). MLS #634132 $375,000
1680 T b h M tt i
PRICE REDUCED OPEN Sunday 2pm sharp
New Listing
OPEN Saturday 2pm sharp OPEN Sunday 1-3
OPEN Saturday & Sunday 2-4pm
Custom Home!
Saturday Reporter-Herald Au g u s t 14, 2010 E6
CA RO L O'MEARACSU EXTENSION
When it comes to the music every-one’s talking about from Denverto the Wyoming line, the sum-
mer’s hottest concert is creating quite abuzz. Rich with chirps enhanced by reverb,the songs of summer are in full concert.
Cicadas are out in force this year, singinga chorus of shrill sound as the day turns todusk. Reminiscent of a Midwestern sum-mer, the trills and hums from tree andshrub are thrilling, if you’re a fan of insectromance. Though 26 species call Coloradohome, two are headlining the stage in ourarea right now, calling out for ladies andlove.
Dog Day cicada (Tibicen spp.) males arewell known rock stars advertising their ap-peal. Resting on branches, occasionallysucking sap from twigs, the males sing byvibrating drum-like organs, called tymbals.
Because no concert is superb without ear-splitting volume, cicadas come equippedwith their very own echo chambers madefrom a membrane covered, air filled pouchin their abdomens. Amplifying the thrum-ming of tymbals, these pouches ensure thebuzz-saw love songs carry over long dis-tances.
Other cicadas take an acoustic approach.Pu t n a m ’s cicada (Platypedia putnami)croon by clicking their wings together,making a sound much like the tapping ofcoins (not that I’m advocating luring loveby offering money. That’s wrong and illegalin many states).
Sing along with the Putnam’s song bytaking a pair of dimes into the evening,clicking in time to their beat. Softly allur-ing, the call wins ladies’ hearts, so if a fewenthusiastic females follow you about, at-tempting to cling to your clothes with theirtiny claws, treat them gently. The femalesaren’t so easily fooled that larger coins im-press them; dimes are the right size for
mimicking this insect.The females pass judgment on males by
the quality of their song; if one bug has atune that’s just right, other males sing insynchrony with it. Dancing in place, themales rarely move their feet; instead theybop along to the tune with their ab-domens. Buzzing in concert with each oth-er, cicada song can be loud, occasionallyrising to shrieking pitch before quietingdown.
The female is left to find the one that’sright for her. Once she does, love blooms,after which the females lay their eggs intwigs and small branches of trees. Theyoung that come from this union — paleand hunch-backed, with stout forelegs fordigging (in short, every parent’s dream) —drop to the ground upon hatching. Burrow-ing into the soil, they spend two to fiveyears underground, feeding on roots of var-ious trees and shrubs.
Grown up and ready for adulthood, thenymphs emerge from their underground
lair. Crawling up a nearby plant, they molt,splitting the nymphal skin down their backand pulling free. They spend the next fourto six weeks singing their own music oflove.
Cicadas are often confused with locusts,but have a squat body with wide-set eyesand large, clear wings. But though they’rebig and noisy — up to two-inches long —they don’t cause much damage to plantsin the landscape. You’ll find them gatheredon trunks and tree branches late in sum-m e r.
H& Front Range GardeningRE
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
Cicadas bring summer concert of love
ANNE WUERSLINCSU EXTENSION
Consider shopping end-of-summer salesat nurseries and greenhouses forhealthy perennials and woody plants. If
planted by mid-September, these plants willestablish a root system and be advanced comespring. Be sure to water in winter.
Take clippings of geraniums, coleus, bego-nias and other tender annuals that can begrown indoors as houseplants. Use rootinghormone on the cuttings and plant in a soil-less potting mix that includes vermiculite.Wait until plants develop two healthy sets ofnew leaves before transplanting.
As pumpkin, squash and gourd vines ma-ture, pinch off emerging blossoms and cutback on watering. This will put more energyinto set fruit.
Anne Wuerslin has received training throughColorado State University Extension's MasterGardener program and is a Master Gardenervolunteer for Larimer County.
TRU D I MANUELCSU EXTENSION
Question: My honeysuckle iscovered in aphids. Could I usea horticultural oil to
control these insects?Answer: Oils affect insects different-
ly, but their main advantage is coatingthe body of the insect, which results insuffocation since insects “breathe”through their body. Horticultural oilsare refined petroleum products andcan be found under names such asSunspray, Scalecide, Trilogy and Volck,among others. Using summer oiltreatments on foliage to controlaphids, whiteflies and mites is an ac-ceptable practice. Spider mites andyoung stages of scale can be also becontrolled by applying oils duringgrowing season. During the dormantseason, horticultural oils can be usedto control aphids that cause leaf curl.Oils can also be useful against pow-dery mildew. A big benefit of using oilsis that they have few risks for peopleand beneficial insects, however, alwaysread the label carefully and only applyas directed. For more information, vis-it www.ext.colostate.edu and read CSUExtension Fact Sheet #5.569, “InsectControl: Horticultural Oils.”
Trudi Manuel has received trainingthrough Colorado State University Ex-tension's Master Gardener programand is a Master Gardener volunteer forLarimer County. For more informationabout 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 .
Gardening tipsfrom CSU: shopsummer sales
Deal withpesky aphidsby using oils
2 bdrm, 1 ba, 2 story, gar,1401 E 16th St #1 $725
Faith Property 970-377-1626
2 Bdrm, 1 ba, large living,bsmt level, lndry on site.1717 Cheyenne #19, $595Faith Property 970-377-1626
3 BD or 2 BD- Free rent!Pets nego. Quiet & spac.$625-$695. 970-223-1349
2 BDRM, $625 + elec,free heat & basic cable,clean, pool, No pets.A/C, coin-op, pantry.
970-663-6787 or970-430-0859
2 BDRM, 1 BATH-Big & Bright! $665
ALL utilities included!Ground level, end unit,
coin-op laundry.Call (970)669-1375
2 BDRM, 1.5 bath. Largeunit! $700/mo. + utilities.Avail immed. 970-4816418
2 BDRM Mobile home,$550, rent includes utils.Estate Builder 970-667-3400
1 BDRM, lg, in Loveland-Special 1st mo - $350. $645+dep. Heat, wtr, trash pd.970-214-2057 or 970-266-0206
1 Bdrm, 713 Garfield $440/mo, Wall AC, main levelCall rmpm.com 669-0842
1 BDRM, $550/mo.Clean, quiet, friendlycomplex, No pets.Walk-in closet, stor-age. HT & WTR PD.
970-667-8370.
1 rm, Studio+ Vintage apts0 utils! On-site mgmt. W/D,DirTV $333-590 970-219-8162
Apartments/Unfurnished 4030
ALL BILLS PAID!!!1 BDRM/studio, DowntownLoveland. $500-$550/mo.
Call 970-391-0834
Apartments/Furnished 4010
To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place yourad any time of the day or night. Fax: 970-635-3677…email: [email protected]
3 Bdrm, 2354 SW 10th, $625/mo. Garden level.
Call rmpm.com 669-0842
1015 3RD ST- BERTHOUD3 bdrm, 1 car gar, fncd yd.$795/water pd. 720-296-1337
3 BDRM, 1303 Nickel, $675.Finished bsmt, patio.Call rmpm.com 669-0842
2 Bdrm, 1315 East 21ST,$825/mo, 1 car, pets negoCall rmpm.com 669-0842
Duplexes 4060
3 BDRM, 2 Ba BeautifulTownhome - Centerra!
Amazing views, W/D, A/C,garage, trails! $1250drakemanor.com(970)493-4052
Condos/Townhouses 4050
Best location in Berthoud,350 SF commercial/officespace, 345 Mt Avenue,
$500/mo + dep 970-532-2652
Approx 800 SF 1st floorcommercial/office space,Mt Avenue, Berthoud,
$700/mo + dep 970-532-2652
Approx 700 SF 2nd floorstorage/office, NW cornerof Bunyan & 1st, Berthoud,$575/mo + dep 970-532-2652
6000 SF Retail/Warehouseon Hwy 287. Overhead door.970-593-2401 or 970-227-7447.
2000 Sq Ft Beauty Shop/Retail on 4th St. Off streetprkg. Call 970-593-2401
1147 SF Shop + Loft, OHD,3/4 bath + office. $795/mo.136-1/2 South Lincoln.970-663-3493, weekdaysbefore 5pm. 970-663-3228
CommercialIndustrial 4040
PROF´L WANTED-Extremely nice 800 SF-
1 bdrm, new carpet, air &W/D. $650/incl utils. Nopets/smk. 663-0220 lv msg
Large 1, 2 & 3 Bdrm. Apts.Central Air, Pool, greatlocation! Pre-Lease Now!
(970)667-1644
Apartments/Unfurnished 4030
3 BDRM Ranch, fncd bkyd,1 ba, frpl, 2 car, N/S, N/Pcredit chk req. Avail 9/1.$995/mo + dep. 2252 AustinCt, Lvld. (970)472-4155
3 BDRM 2 bath, $1100+ util, deck, freshpaint, new carpet, SWLvld, 1 block from midsch, 3 blocks fromelem. 970-663-6787 or
970-430-0859
3 BDRM, 222 SW 42nd,$870/mo, new carpet/paint.Call rmpm.com 669-0842
2 bdrm, 129A S Monroe,Lvld; Pet neg, no gar, smyd $700/$700 303-659-7471
3 bdrm, 1221 BARRETTA-$1095/mo, pets neg, 2 carCall rmpm.com 669-0842
3 bd, 1.5 ba, lg fncd yd, 2car $1095+dep 2330 W 22ndSt LVLD N/P 303-549-5715
2 Bdrm, 2128 Taft, $995/moClassic! New carpet.
Call rmpm.com 669-0842
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
WANTED: Storage SpaceWant clean storage spacein Love land for twovehicles and two trailers.30X50 steel barn would beideal. 970-222-7043
Garages/StorageSpaces 4070
✭ 3 BDRM, 2 BATH ✭Remodeled home. West
Hwy 34. $700/mo.Pets nego. 970-685-8573
Mobile Homes/Spaces 4090
✔✔✔✔To ensure you receive
the best response to youradvertisement, pleasecheck your ad the first
day of publication.We regret we cannot be
responsible for morethan one day´s incorrect
insertion. Billinginquiries can be
initiated within 30 daysof ad expiration.
Ranch House Loveland3 BDRM, 2 ba, A/C, W/D,gar, pets ok Denver/1st$725+util 970-556-7284
OWN your own home forwhat you pay in Rent!
Lowest rates,$0 - $1000 Down
Free Prequalification.Western Plains Realty
Ken or Tammy970-663-5008
CHARMINGMOUNTAIN CABIN
1 bedroom, fully furnished(includes kitchenware),knotty pine decor, DirectTV, queen bed, doublefuton couch, new appli-ances. Located in rusticbeautiful Big Elk Mead-ows, 5 miles off Hwy.36halfway between Estes andLyons. Amenities includepool, hiking in RooseveltForest, fishing in 7 lakesand ponds, softball and bas-ketball courts--all in a sce-nic rustic friendly moun-t a i n c o m m u n i t y .$ 8 2 5 / m o n t h . C a l l303-772-6267 evenings.
4 BDRM + office, 2 ba,1 car, 2000+ SF. Remod lrgmaster ba w/jetted tub,lrg corner fenced lot.$1275/mo + dep. Lvld.
No smoking. (970)213-6498
3 Bdrm, 4307 Filbert, $1295Sunroom & pets nego.Call rmpm.com 669-0842
3 BDRM, 4201 Rocky Ford,$1175/mo, Unfin bsmt, A/CCall rmpm.com 669-0842
3 bdrm, 2902 Katie, $1050/mo, new carpet, fncd yd,rmpm.com. 970-669-0842
3 BDRM, 2.5 BA, 2 car,backs to open space, N/P,N/S, $1180. (303)834-9940
Houses 4080
OWNER FINANCINGOlde Golf Course Home
$500,0004000 SF, clean & bright,5 bdrm/4 bath/3 car,
lovely, quietneighborhood. Reason-able financing terms.
970-215-1776.Betsy Burns/
Coldwell Banker
BANK OWNED- 3 bdrm,3 bath, 2-story, 1/2 duplex,main floor master, A/C,frplc. $227,900. Re/MaxAlliance, Wanda Quaid,
970-481-3033
Loveland 5110
2 ACRE LOT, Berthoudarea, $40K price reduction,$125,000. Call Steve Conderfor details, 303-514-3706.
Lots &Tracts 5100
Fully Furnished Hair Salon& office spaces, utilities
included. 970-744-8763
Retail Space 4135
Office Suite, 850 sq. ft., first3 months free, $7 sq. ft. +NNN, 970-290-9040.
Office Space 4100
NEW HOMES REDUCED!Don´t miss out on this
SAVINGS EVENT! Easyapproval, quick closings &affordable payments.
Tax ID´s welcome. Limitedavailability ACT NOW!!Call 970-420-8488 *wac
NEW 4 BD Double widesEasy approval
● Harmony Rd MHC2500 E. Harmony RoadFt. C 80528. 970-420-8488
✭ 2 BEDROOM Home ✭$575+dep. West Hwy 34.
970-685-8573
Mobile Homes/Spaces 4090
~ HORSE PROPERTY ~5 bdrm, 4 ba ~ 5000 sq fton 1.5 acre ~ Johnstown.
$275K SSWestern Plains Realty
Ken or Tammy(970)663-5008
Rural 5180
Mature responsible malelooking to rent w/ option tobuy 2 or 3 bdrm single fam-ily home. Willing to dorepair/improve/maint.970-692-1792
Real EstateWanted 5170
´03 Mobile home, 16x80,3 bd, 2 ba, Berthoud, A/Capplc & shed incl. Exccond. $30,000 ✭ 303-772-4324
MOBILE home in Lovelandin over 55 park, desirablearea, lot rent $315. Exc
cond, carport, patio, cen-tral AC & heat. 337-302-9192
✭ MOBILE HOMES ✭BUYING/SELLING
Local park needs used mobhomes. We´re buying! BigSale! Many single & dblwides. Fin avl, auto ap-proval on owner fin homes.Bad credit OK! Moves avl.
970-222-1473✭ 690-2725 or 690-3283 ✭
Mobile/ManufacturedHomes/Spaces 5130
DOWN PAYMENTASSISTANCEAVAILABLE
* 4 bdrm~ 2 ba ~ 2 storywith Bsmnt $198,000
* 2 bdrm ~ 1 ba ~ RanchOld Town $165,000
Qualify Quick and EasyKen or Tammy 970-663-5008Western Plains Realty
A picture is wortha thousand wordsTry a classified picture
ad! Call for details970-635-3650
Loveland 5110
Pinch off flower growth toward end of AugustSUSAN PE R RYCSU EXTENSION
Now is the time to enjoy yourtomato harvest. To enable still-green tomatoes to fully ripen
before cold weather, gently pinch offall new flower growth. This will allowthe plant to expend its energy onripening any already-formed tomatoes.Unless you want to harvest greentomatoes, toward the end of August,begin pinching the smallest greentomatoes off — they will not havetime to fully form and ripen. Remov-ing them will allow remaining mid-sized tomatoes to fully ripen.
• If you want a fall vegetable crop,
there’s still time to plant. Kale, turnipgreens, and beets should be plantedby early August. Lettuce, spinach,and Swiss chard can be planted untilmid-August. Radishes can be planteduntil Labor Day.
• Make a list of overgrown or poor-ly-performing perennials to considerdividing. Often, division helps reinvig-orate the plant. Daylilies, iris, shastadaisies, and oriental poppies will allbenefit from division. For perennialsthat bloom in spring and early sum-mer, fall division and transplanting isbest because it gives them time toform new roots before cold weather.Transplant oriental poppies afterleaves have dried out and died back,
and new growth is visible. For perenni-als that bloom in the heat of summeror in fall, divide and transplant in earlyspring. Many ornamental grasses ben-efit from division every few years butshould always be divided and trans-planted in spring.
• Deadhead perennials now to en-courage re-flowering. Perennials thatbenefit from deadheading includecoreopsis, Jupiter’s beard, hollyhock,catmint, and campanula.
Susan Perry has received trainingthrough CSU Extension's Master Gar-dener program and is a Master Gar-dener volunteer for Larimer County.For more information about CSU Ex-tension, Larimer County, call 970-498-6000 or visit www.larimer.org/ext.
