The Oklahoman Real Estate

FREAL ESTATESATURDAY, FEBRUARY 26, 2011 THE OKLAHOMAN | NEWSOK.COM

INDEX

Handy@Home 4FStone 5FSmart Moves 6FPermits 10F

LISTING OF THE WEEK

Nichols HillslivingThe Listing of the Week is atraditional home with pool andhot tub complemented by a newoutdoor kitchen in Nichols Hills.PAGE 3F

HOUSE PLAN

Like the looksVaried roof lines and acharming wraparound porchgive the Elsberry such anintriguing appearance thatyou can’t help but take asecond look.

PAGE 6F

COLUMNCOMING TO ENDToday is Mi-LingStone Poole’s lastcolumn in The Okla-homan. She takesinspiration from thelate singer-songwrit-er Nina Simone: “It’sa new dawn, it’s anew day, and I’mfeeling good.”PAGE 3F

IN BRIEF

GET FURNACESINSPECTEDQ: I’m constantlytelling my daughtershe needs to haveher gas furnaceserviced every year.She disagrees withme. Who’s right?A: Most heatingcontractors recom-mend yearly in-spections and main-tenance, particularlywith newer furnaces.They’re more sensi-tive than older mod-els and are designedto shut down whencertain problemsarise so the furnacewon’t be damaged.The nonprofit Amer-ican Council for anEnergy EfficientEconomy, however,says servicing everyother year is suffi-cient for natural-gasfurnaces. Don’t waitlonger than twoyears between gasfurnace inspections,however. Techni-cians can spot andcorrect problemsthat cause yourfurnace to run lessefficiently or wearout faster, both ofwhich will cost youmoney. They alsocan discover com-bustion and ventingproblems that canlead to the produc-tion of carbon mon-oxide, which cancost you your life.

STAR LIGHT,STAR BRIGHTBlissLights let youcreate an illusion ofstarlight in yourhome or yard. Bliss-Lights are projectorsthat create eithermoving or staticpinpoints of laserlight in a room or anoutdoor space. Justplug in the projectorand point it whereyou want the starsto appear. The lightis safe enough evenfor use in children’sbedrooms, the com-pany says. The pro-jectors can be or-dered at www.blisslights.com. Pricesstart at $199.

MCCLATCHY-TRIBUNEINFORMATION SERVICES

Mi-LingStonePoole

ASKMI-LING

WASHINGTON, D.C. —Fixed 30-year mortgagerates at 5 percent? Mini-mum down paymentsbelow 5 percent? Jumbo-size home loans for high-cost markets at regularinterest rates?

Kiss them goodbye —possibly sooner than youmight guess.

Take a snapshot oftoday’s mortgage marketconditions and frame it.It’s highly likely you’llnever see anything likethese favorable combina-tions of rates and termsagain.

That’s the inescapableconclusion emerging fromthe Obama administra-tion’s “white paper” onoptional remedies for thetwo ailing giants of housingfinance — Fannie Mae andFreddie Mac — along withevents already under wayin the national economy.

The administration’slong-delayed housingreport, released Feb. 11,drew a mix of catcalls andmild applause. Apartment

developers praised thereport’s emphasis on ex-panding opportunities forpeople to rent their hous-ing as opposed to the ideathat homeownership issomething for everybody.

Big banks and theirallies in Congress wel-comed the prospect thatFannie Mae and FreddieMac — which togetheraccount for about 60percent of the mortgagemarket but have costtaxpayers a net $150 bil-lion in bailout money inthe past three years —will be heading intooblivion.

Consumer and realestate industry groupslamented the phaseout ofFannie and Freddie, both

of which — despite theirrecent crashes — suppliedsteady streams of mort-gage money for decades.

The report offered notonly options for Congressto consider in windingdown the two companiesbut also recommenda-tions on “transition”measures to achieve asmaller federal footprintin the mortgage market.Some of the transitionalsteps require no congres-sional approval and thusare likely to affect bor-rowers and homebuyers inthe months immediatelyahead.

Factor these changesinto your timing for anyloan application or pur-chase you’re contemplat-ing this year:

› Higher insurance feeson Federal Housing Ad-ministration-backedmortgages — anotherquarter of a percentagepoint on annual premi-ums. That’s vitally impor-tant to consumers withmoderate incomes and

assets, especially in mi-nority communitieswhere FHA loans are thedominant route to home-ownership. The reportalso hints at a possibleincrease in minimumdown payments for FHA— currently just 3.5 per-cent — but provided nospecifics. Congressionalapproval would be re-quired for any change.

› Significant reductionsin maximum loanamounts later this yearfor FHA and conventionalloans eligible for purchaseby Fannie or Freddie,unless Congress votes toretain the current statu-tory $729,750 limit forhigh-cost areas before itsexpiration Oct. 1. Loansabove each local market’slimit — whatever thereduced ceiling turns outto be — will be consideredjumbos and come withhigher interest rates fromprivate lenders.

› Raising the fees Fan-nie Mae and Freddie Maccharge lenders to guaran-

tee pools of their mort-gages for resale to bondinvestors. Lenders willautomatically pass thoseon to borrowers as a costof doing business. Thereport also calls for rais-ing down payment re-quirements at Fannie Maeand Freddie Mac to 10percent.

› Retaining the contro-versial and costly add-onfees now charged by Fan-nie Mae and Freddie Macthat can increase theexpense of obtaining evena moderate-size mortgageby thousands of dollars.These add-ons now ex-tend to applicants withFICO credit scores of 800and above who are mak-ing substantial downpayments. The whitepaper actually applaudedthe imposition of thesefees, calling them one ofseveral “first steps” onthe path to weaning con-sumers off reliance onFannie and Freddie for

Get ready to pay more for mortgagesKennethHarney

THE NATION’S HOUSING

SEE HOUSING, PAGE 2F

MOORE — In a careerthat’s seen the highesthighs and the lowest lowsin Oklahoma’s real estatescene, Steve Mann has of-ten put his head down andsimply marched on.

“There was some timethere in the early ’70swhere we had a little re-cession,” he recalled, “andI was telling Dad, ‘I’m notmaking the sales that I was

making.’ And he said, ‘Son,we’re in a recession.’ ”

Now, standing in thekitchen of an airy southMoore home near SW 34and Broadway, its backwindows overlookingwhere pasture meets sky,Mann shrugged.

“I didn’t really under-stand what a recessionwas, so I just kept working,and good things kept hap-pening,” he said. “Andthat’s what the real estate

Steve Mann, auctioneer, 2011 president of the Oklahoma City Metro Association of Realtors and associate with Paradigm AdvantEdge RealEstate, shows the dining area of a home he has listed at 4212 Old Copper Creek Road in Moore. PHOTOS BY STEVE SISNEY, THE OKLAHOMAN

Realtors leader is workingto help all in the businessBY DYRINDA TYSONSpecial [email protected]

Steve Mann has this home listed at 4212 Old Copper Creek Road in Moore. SEE PRESIDENT, PAGE 2F

2F SATURDAY, FEBRUARY 26, 2011 THE OKLAHOMAN | NEWSOK.COMTHE OKLAHOMAN

mortgage money. The administration not only

wants to wind down the two com-panies over the next several yearsbut also to severely reduce the sizeof FHA’s role — cutting its marketshare from around 30 percent todayto as low as 10 percent.

Where will the buyers who de-pend upon FHA today for afford-able financing turn when that sharpcut has been accomplished? That’snot clear.

The white paper makes anoblique reference to a major issuebubbling on the back burner thatalso could push rates up: Regulatorsare debating what should andshouldn’t be a “qualified residentialmortgage” under the terms of lastyear’s financial reform legislation.Loans that are not “qualified” — interms of down payment size andother criteria — will require extrainvestments by lenders when theypool them into bonds; that in turncould raise rates for nonqualifiedmortgages by as much as 2 to 3

percentage points.Among the proposals: Make 20

percent to 30 percent down pay-ments the minimum to meet the“qualified” test. The worst-casescenario: If you only have moneyfor a small down payment, you’ll becharged significantly higher rates.

Bottom line: Get ready to paymore for mortgages, no matterwhat ultimately happens to Fannieand Freddie.

E-mail Ken Harney at [email protected].

WASHINGTON POST WRITERS GROUP

Housing: Mortgage criteria in fluxFROM PAGE 1F

in the auction method ofmarketing and pursued itover the next decade,though he didn’t getaround to becoming anauctioneer until 1996.

Whether to auction orlist a property, he said, re-ally comes down to whatthe seller needs.

“If the seller says, ‘I’vegot to be out of here in 60days, I need a cash buyer atsome price to relinquishmy debt’ or whatever thereason is, it can be donequicker with the auctionmethod generally,” Mannsaid.

Ever-changing technol-ogy, though, is rewritingmany of the rules in realestate.

“The first thing we do isput that property in MLS(Multiple Listing Service)with a specific marketingplan for that individualpiece of property,” Mannsaid.

“What it takes to sellthis house may not be thesame thing that it takes todraw the right buyer to the1,000-(square)-foot housein town. So, within 48

business has always beenabout: It is what you makeof it.”

Mann, newly mintedpresident of the OklahomaCity Metro Association ofRealtors, is overseeing ef-forts to help all real estateprofessionals make thebest of it as well. Associ-ation employees are mak-ing a concerted effort toreach out to Realtors largeand small, both in personand on the phone, he said.

“In fact, we’ve alreadyhad a breakfast for some ofour small brokers, and itwas really interesting be-cause they felt like theywere getting good contactfrom us, good productsfrom us,” said Mann, whoalso is a sales associatewith Paradigm Advan-tEdge Real Estate.

Leapfrogging technolo-gy doesn’t make it easy, hesaid, “so we’re really hav-ing to stay on top of whatthe association membersneed, what they’re usingof the technology andwhat they’re not using. It’san interesting challenge.”

Mann, who has kept hisfooting in an ever-shiftingmarketplace, could be un-usually qualified for thetask.

He started young, sell-ing lots on salary. Then hewent on to get his real es-tate license and opened hisown small agency in the1970s. In the late ’70s,though, as the franchisesmoved in — “They came allat once,” as Mann put it —he saw the writing on thewall and made the leaphimself, buying into thefirst Realty World fran-chise in Oklahoma.

Then in the mid-1980s,as the federal governmentbegan selling off theproperties of insolventlenders amid the savings-and-loan crisis, he had anepiphany.

Oklahoma law man-dates everyone involved inauctioning properties holdreal estate licenses, andMann was pressed intoservice. He said his firstnight in an Oklahoma Cityhotel ballroom, observingthe assembly line of pro-fessions moving alongcontracts, was an eye-opening one.

“We sold 75 houses (thatnight), and our whole of-fice hadn’t seen 75 sales inthe last 12 months,” he re-called. “So I thought, ‘Ineed to see what’s going onhere.’ ”

He took a keen interest

hours, we’re hitting 50-plus websites.”

And that kind of expo-sure, he said, will continueto drive marketing effortsin the future. The Realtorsassociation is working tooffer that kind of help to itsmembers.

“The majority of theseyoung people getting intoreal estate business todayare very well-educated,have good degrees,” hesaid. “They’re very, veryinto the technology andunderstand it. That’s a realadvantage for them.”

Built-inshelvesand cabi-nets addstoragespace toan al-readyspaciousmastercloset inthehome at4212 OldCopperCreekRoad.

President: Technology is rewriting the real estate rulesFROM PAGE 1F

The study at 4212 Old Copper Creek Road features a hardwood floor and a dis-tressed desk and cabinetry. PHOTOS BY STEVE SISNEY, THE OKLAHOMAN

A stone-and-brick fireplace and hefty mantel anchorthe living area in the Moore home.

Why become anauctioneer?

For Steve Mann, it wassimple: “I had alwayswanted to.”

But the only option fortraining, he said, was go-ing to a school in Missourifor a week.

“Well, I hadn’t beenanywhere for a week,” hesaid. “So a bunch of guysgot together and put up$1,000 apiece, and allthese trainers and auctio-neers came to OklahomaCity, and we had our ownschool here.”

It drew people from allacross the country, he said.

Becoming his own auc-tioneer added a new layerto Mann’s real estatebusiness, but it alsobrought him new brag-ging rights.

Concerned about the

dearth of younger faces intheir ranks, he and his fel-low auctioneers decided toget into the OklahomaState Auctioneers Associ-ation competition. Manncame in as runner-up.

In 2004, he was game totry again, and this time hewon.

“I didn’t have any idea Iwould. I was trying to do itto encourage these youngguys,” he said. Then helaughed. “In fact, I wasmentoring a young guy Ithought was doing realwell, and I beat him.”

So it was on to the Na-tional Auctioneers Associ-ation competition, wherehe placed in the top 50.

“And the great thingabout it is it’s not like play-ing in the Big 12 Cham-pionship,” Mann said of hisstate honor. “Once youwin, you can’t enter again.So I’m done. And I’ve got abig, gold ring to prove thatI’m the champion.”

Realtor also a champion auctioneerBY DYRINDA TYSONSpecial [email protected]

Steve Mann auctions items at a fundraiser. PHOTO PROVIDED

THE OKLAHOMAN | NEWSOK.COM SATURDAY, FEBRUARY 26, 2011 3FREAL ESTATE

With every seasoncomes change, and withthis column I have chosento close the chapter onmy weekly design columnin The Oklahoman.

For more than sevenyears, I have been an-swering design questionsand giving cost-savingdecorating advice to myreaders in Oklahoma andacross the country.

Writing this columnhas given me the oppor-tunity to inspire many ofyou to take on new pro-jects and to pull designinspiration from yourdaily lives while savingmoney.

Through my columns, Ihave shown that inspira-tion for your next designproject can be found al-most anywhere. A beauti-ful rainbow, a colorful tie,your favorite painting orceramic vase are all itemsthat can give your nextproject a kick start.

When you open your

mind to the beauty thatsurrounds you, designinspiration will follow.

During this journey I’vediscovered divine designwhile on family vacations,eating at a restaurant orin the intricate carving ofa door while waiting for ataxi in New York City.

My mission has been togive you the tools to cre-ate a comfortable space inyour home that will bringyou and your family com-fort without having tospend a fortune. And afterwriting hundreds of co-lumns, and interviewingcelebrities and othersabout creating their

unique spaces, I knowthat comfort is essentialin creating a harmoniousfamily life. A well-de-signed space can affectyou physically, mentallyand spiritually.

Many of these ideasand your questions havebeen featured in my book,

“Ask Mi-Ling: When YouWant the Truth AboutDecorating,” on my radioshow and in my televisiontips as well as online atwww.mi-ling.com.

As I move on to thenext item on my bucketlist, I take inspirationfrom the late singer-

songwriter Nina Simone:“It’s a new dawn, it’s a

new day, and I’m feelinggood.”

Thanks for all yoursupport and encourage-ment through the years.

Now go out and createyour own unique comfortzone!

End to column points to new beginningMi-LingStonePoole

ASKMI-LING

The Listing of the Week is a traditionalhouse with pool and hot tub comple-mented by a new outdoor kitchen.

The 2,618-square-foot house at 1709Drakestone in Nichols Hills has threebedrooms, 2½ baths, two living rooms,two dining areas and an attached two-cargarage.

The main living room has a fireplace,ceiling fan and bookcase. The remodeledkitchen has a pantry, large granite workisland and a tankless hot water system.The home has oversized bedrooms, two

with ceiling fans. The master bedroomhas a full bath. The house has upgradedwindows and doors, a concrete circledrive, security system, undergroundsprinkler system, a covered patio and cov-ered porch.

Built in 1951, it is listed for $489,000with Laura Terlip of The Covington Co.For more information, call 834-0805.

Nominations for Listing of the Week are welcome. Sendinformation on single-family homes to The Oklahoman,Richard Mize, P.O. Box 25125, Oklahoma City, OK 73125.Nominations may be faxed to 475-3996.

LISTING OF THE WEEK

The Listing of the Week is at 1709 Drakestone in Nichols Hills. PHOTO PROVIDED

Home ready for goodweather, outdoor living

EDMOND — Dave Moell-er, owner and managingbroker of Redbud Realty &Associates in Edmond, hasearned the Certified Dis-tressed Property Expertfrom the Distressed Prop-erty Institute in Austin,Texas, having completedtraining in foreclosureavoidance with an empha-sis on short sales.

A short sale, negotiatedwith a lender, allows ahomeowner to repay amortgage at the price that

a home sells for, even if it islower than what is owed.With fluctuating propertyvalues, a short sale cansave some people from

foreclosure and bankrupt-cy, said Moeller, who ispast president of the Okla-homa City Metro Associ-ation of Realtors.

More and more lendersare willing to considershort sales because theyare less costly than fore-closures, Moeller said.

The designation “hasbeen invaluable as I workwith homeowners andlenders on complicatedshort sales,” he said. “It isso rewarding to be able tohelp families save theirhomes from foreclosure.”

Local broker’s training helpssave homes from foreclosureFROM STAFF REPORTS

Dave Moeller

WASHINGTON — With de-mand rising for reversemortgages, seniors areparticularly at risk of beingmisled and should be pro-tected by greater govern-ment oversight of the in-dustry, according to a re-port by Consumers Unionand two California advo-cacy groups.

In a struggling econo-my, older homeowners areturning to reverse mort-gages as a way to pullmoney out of their homes,with the loan not comingdue until the borrowerdies. But the loans cancome with hefty charges,including origination fees,closing costs and com-pounding interest on loanprincipal.

“Reverse mortgages area very risky deal for bor-rowers who don’t under-stand the complicatedterms of the loan and howquickly fees and interestcharges can add up,” saidNorma Garcia, senior staff

attorney for ConsumersUnion. “Reverse mortgag-es should only be a last re-sort for seniors who wantto stay in their homes andhave no other alternativesto supplement their in-come.”

The report was releasedby Consumers Union, thenonprofit publisher ofConsumer Reports maga-zine, along with CaliforniaAdvocates for NursingHome Reform and theCouncil on Aging SiliconValley. It warned that se-niors taking out reversemortgages risk losing theirhomes while they’re stillalive.

The groups called forstrong oversight from thenew federal Consumer Fi-nancial Protection Bureau,which is being launched byObama administration ap-pointee Elizabeth Warrenas part of financial reformlegislation passed thisyear.

Consumers Union offerstips about reverse mort-gages at www.consumersunion.org.

Study warns of dangers in reverse mortgagesBY MCCLATCHY-TRIBUNEINFORMATION SERVICES

4F SATURDAY, FEBRUARY 26, 2011 THE OKLAHOMAN | NEWSOK.COMREAL ESTATE

From mildew in the cor-ners to mists on the mirrors— not to mention thoseless-than-pleasant odors— it’s not tough to figureout when a bathroomdoesn’t have adequate ven-tilation. Sizing and install-ing the right bathroomventilation fan can make abig difference, and it’s not atough undertaking.

How big a fan?Ventilation fans are re-

quired by code in any bath-room that doesn’t have anoperable window. But real-istically, how often do youopen the window whileyou’re showering — espe-cially in the winter? So as apractical matter, requiredor not, your bathroom real-ly needs to have a fan in it.

The first step in theprocess is to determine thefan’s size. You could installthe typical small, noisy andgenerally ineffective“builder’s grade” fan, butwhat you really want to dois take the time to size thefan properly to the room.

The fan should be able tochange the air in the roomabout 10 times per hour, sofirst you need to know thevolume of air that the bath-room contains. To do that,measure the length, widthand height of the room, andmultiply the three num-bers.

For example, if the bath-room is 8 feet by 10 feetwith an 8-foot ceiling, itwould contain 640 cubicfeet of air (8 times 10 times8). If you want a fan thatwill change that air 10 timesin one hour, you wouldneed a fan that will move6,400 cubic feet per hour(640 cubic feet of air times10 air changes).

However, ventilationfans are actually rated incubic feet per minute(CFM). To make the con-version, divide your 6,400cubic feet per hour by 60,and you’ll arrive at 106.67CFM. You won’t find onewith that exact rating, soyou’ll probably end upshopping for one in the

100-to-110-CFM range.

Quiet downThere are two general

rules of thumb when itcomes to fans: Cheap fansare noisy, and noisy fansdon’t get used as often. Sowhen you’re shopping for anew ventilation fan, planon spending a little bitmore and get one that’squiet.

In addition to the CFMrating, the other importantventilation fan rating isnoise level. This will belisted as a “sone” rating,which is a universally ac-cepted measurement ofhow we recognize and per-ceive sound. The lower thesone rating a fan has, thequieter it is. Ideally, look forone with a rating of 1or less.Larger fans for large roomsmay have sone ratings clos-er to 1.5, but don’t get abovethat.

The final thing you’ll belooking at on your fanshopping trip is the overallappearance of the fan,which is actually just theouter trim piece. This isobviously an importantconsideration, but itshould come second afterselecting the proper sizeand noise levels.

Install it rightNow that you’ve gone

through the trouble andexpense to select the bestfan for your application,you want to be sure it’s in-stalled correctly. Ventila-tion fans are not difficult toinstall, but there are defi-nitely some things to payattention to if you want todo the job right.

First of all, be sure thefan housing is attached se-curely to the ceiling joists,using screws. If you don’tinstall the housing correct-ly, or if you rely on nails forfastening, the housing caneventually work loose andbegin to vibrate against thejoist, adding unnecessarynoise. Some larger fanscome with braces that aredesigned to extend be-tween two adjacent joists

for additional support. Ifyours has those, be sure touse them. Also, fill up allthe mounting holes as rec-ommended by the manu-facturer.

The fan housing willhave a damper control in it,right where the exhaustduct attaches to the hous-ing. The damper is de-signed to swing open whenthe fan’s in use, and aspring pulls it closed whenthe fan’s off to prevent coldair from coming back downthe duct and into the room.

Be sure that the damper isinstalled correctly, and thatthe flaps are opening andclosing properly, withoutany interference. Betterfans have a gasket to mini-mize air leaks and to quietdown the closing of thedamper, so be sure that’s inplace as well.

Finally, there’s the duct-ing itself. First and fore-most, be sure you duct thefan all the way to the out-side of the house, not justinto the attic. Remember,the primary job of the ven-tilation fan is to removemoisture, not odors, so ifyou don’t duct it outside,you’ll be taking all thatwarm, moist air andpumping it into the atticwhere it can severely dam-age framing and insulation.

Use the proper type of

ducting as recommendedby the manufacturer, and incompliance with localbuilding codes. For mostinstallations, the bestchoice is smooth-wall, 4-inch sheet metal ducting,which allows for quiet pas-sage of the air through itwith little or no buildup ofmoisture inside. To keepthe fan moving as much airas possible, and to mini-

mize both noise and poten-tial moisture traps, keepthe duct run as straight aspossible. Where turns arenecessary, use adjustableelbows, and make the turnsas gradual as you can.

Remodeling and repair questions?E-mail Paul at [email protected]. All product reviews arebased on the author’s actual testing offree review samples provided by themanufacturers.

INMAN NEWS

Installing a new bathroom fan is a breezePaulBianchina

HANDY @ HOME

MINNEAPOLIS — Manypeople who sought helpunder a federal programcreated to keep them fromlosing their homes are in-stead getting saddled withhuge, unexpected bills.

Thousands now face astark choice: Go deeper in-to debt or foreclosure.

Lenders routinely ap-proved short-term “trial”loan modifications that re-duced payments for des-perate borrowers under theumbrella of the Obama ad-ministration’s Home Af-fordable Modification Pro-gram. But lenders contin-ued to count the mortgagesas delinquent or in default.

Now instead of grantingpermanent modifications,lenders often are reinstat-ing the original loan termsand demanding big backpayments.

Through November na-tionwide, lenders canceled729,109 trial modifica-tions. Carl Christensen, aMinneapolis real estate at-torney, said he is getting 15telephone calls a week fromshocked borrowers.

Patti, 51, and Scott Wed-dle, 57, of Harris, Minn.,were ecstatic when JPMor-gan Chase offered in No-vember 2009 to cut theirmonthly mortgage pay-ments by about 20 percentunder a trial modification.Patti was out of work withan injury, and the Weddleswere having difficultymaking ends meet.

Nearly a year later, theWeddles were told thattheir application for a per-manent modification wasdenied and that they wouldhave to pay $24,228 tobring their mortgage cur-rent and avoid foreclosure.

The Weddles insist thedemand came as a shock,because they had made alltheir payments on time un-

der the trial modification. JPMorgan Chase and

other lenders argue that therisks are clearly disclosed toborrowers when they signup for temporary loanmodifications. Even so,many homeowners arecaught by surprise.

Critics contend the loanmodification program,known as HAMP, may bedoing more harm thangood. Many homeownersare draining their savingsand incurring new loans tomake the temporary pay-ments only to end up inforeclosure anyway whenthey can’t afford the large,lump-sum payments de-manded at the end of theprocess.

The trial modificationsalso can ruin borrowers’credit. The reason: Manylenders classify modifiedmortgages as technically indefault, even if borrowersmake all their reduced pay-ments on time under thetrial plans. Each monththese borrowers make re-duced payments, they arereported as delinquent tocredit bureaus.

“We’re seeing a lot of re-ally sad stories of familieswho thought they weregetting help only to discov-er they’re $20,000 or$30,000 behind and aboutto lose their house,” saidThomas Bloomquist,housing supervisor for LSSFinancial Counseling Ser-vices in Duluth, Minn.

A spokesman for JPMor-gan Chase said the riskswere disclosed to the Wed-dles. Under the trial mod-ification signed by the cou-ple, JPMorgan reserved theright to terminate the planat any point and beginforeclosure. The bank alsoreserved the right to deter-mine the final amounts ofunpaid interest and anyother delinquent amounts.

MCCLATCHY-TRIBUNEINFORMATION SERVICES

Mortgage modificationcan turn into disasterBY CHRIS SERRESStar Tribune

THE OKLAHOMAN 5FREAL ESTATE

DEAR BARRY: Wehave begun shopping for ahome, and all the ones wesee have gas appliances.Our current home useselectricity for the stove,forced-air heat, clothesdryer and water heater.My contractor says thatgas is safe, but my wife isafraid we might blowourselves up.

WilliamDEAR WILLIAM:

Blowing yourselves up in ahome with gas fixtures isas rare as electrocutingyourself in a home that isall-electric. Either one cantake place, but the likeli-hood is too slim to war-rant fear or concern.However, when buying ahome with gas fixtures,there are two ways toprotect yourself frompotentially hazardousconditions.

› 1. Be sure to hire aqualified home inspectorto evaluate the generalcondition and operabilityof the water heater, thefurnace, the kitchen range,the fireplace and so on. Acompetent inspector willconsider numerous safetyrelated aspects of thesefixtures, including fireclearances, combustion airsupply, exhaust venting,gas connections, flamepatterns, fixture damage,and much more.

› 2. Have the gas com-pany perform a routine

safety evaluation of allgas-burning fixtures be-fore you complete thepurchase of the home. Thegas company technicianwill ensure proper ad-justment of the burnersand will test for leaks andfor carbon monoxide. Agas company inspection isadvised not only when youpurchase a home, but asan annual checkup proce-dure for ongoing homesafety assurance.

Finally, be sure to placeone or more carbon mon-oxide detectors in yournew home. Unlike smokealarms, they are not yetrequired in most areas butare strongly recommend-ed. Carbon monoxide is anodorless but deadly gas.Fortunately, it is an avoid-able hazard if your home isequipped with an ap-proved device.

The majority of homesin North America areheated by gas, rather thanelectricity, because gas isfar more economical touse. When gas fixtures areproperly installed androutinely maintained, they

are safe and trouble-free.DEAR BARRY: My

heating system is a gasforced-air furnace, in-stalled in the attic. Itworks but one thing aboutit is annoying. When Iturn off the thermostat, Iwant the thing to turn off.But it keeps on blowingfor several minutes. Whoshould I call to fix this, thegas company or a heatingcontractor?

MatildaDEAR MATILDA: Your

furnace operates as itshould. From what youdescribe, no repairs areneeded. If the blowerturned off immediately,you would definitely havea problem. Here’s the waythe system works:

When you turn on yourthermostat, the burner inyour furnace ignites, butthe blower remains offuntil the interior of thefurnace becomes suffi-ciently heated — usuallyabout 150 degrees. Theburner remains on untilyour home is sufficientlyheated or until you turndown the thermostat.However, when the flamegoes out, the blower re-mains on until the insideof the furnace is suffi-ciently cooled. This helpsto prolong the longevity ofinternal components.

To write to Barry Stone, go towww.housedetective.com.

ACTION COAST PUBLISHING

Homebuyers wary of gas appliances

BarryStone

INSPECTOR’S IN THEHOUSE

There’s a note of opti-mism in the air about theU.S. mortgage delinquen-cy rate.

The number of mort-gages that were past due inthe fourth quarter was atits lowest level since theend of 2008 — excludinghomes that are already inforeclosure. Meanwhile,the number of mortgagesthat were one month latelast quarter fell to its low-est level since the end of2007, the Mortgage Bank-ers Association said.

The number of homes inforeclosure, however, rose,thanks to processing de-lays tied to investigationsof servicers’ back-officeprocedures.

The percentage of totaldelinquencies on one- tofour-unit properties was8.22 percent in the fourthquarter, compared with9.13 percent in the thirdquarter and 9.47 percentin the final quarter of2009.

In an even better sign,the percentage of loans atleast 90 days past due andin the process of foreclo-sure fell to 8.57 percent na-tionally, down from 8.7

percent in the third quarterand 9.67 percent a yearago.

“This is really a signifi-cant improvement in theunderlying situation,” saidMichael Fratantoni, theassociation’s vice presi-dent for single-family re-search. “We’re definitelyheaded in the right direc-tion.”

In part, the improve-ment may be tied to thetighter loan underwritingthat has become a main-stay of the housing marketsince 2008. Most mort-gages that fall into delin-quency do so within thefirst three years.

“We simply have a bet-ter set of loans entering thepeak of the natural defaultcycle, and for that reason Ithink we’re going to con-tinue to see a decline in thedelinquency rates,” saidJay Brinkman, the Mort-gage Bankers Association’schief economist.

Also key in the unem-ployment rate and job cre-ation.

“The mortgage marketis going to reflect how thejobs market improves,”Brinkman said.

The trade group’s surveytracks about 88 percent ofall first mortgages.

Late mortgagepayments fall in fourth quarterBY MCCLATCHY-TRIBUNEINFORMATION SERVICES

The National Associ-ation of Home Builders’Professional Women inBuilding Council recentlynamed Vanessa Shadix,agency account managerfor Old Republic Title Co.of Oklahoma, as its Mem-ber of the Year at the In-ternational Builders Showin Orlando, Fla.

She was given the awardfor leadership in her pro-fession, in her local counciland the community. Shad-ix has been involved inseveral industry organiza-tions including the Okla-homa State Home BuildersAssociation and the Cen-tral Oklahoma Home

Builders Association. She has received several

awards, including the localbuilders’ Affiliate of theYear and state builders’Woman of the Year. She al-so is a member of theOklahoma Land Title As-sociation and the Okla-homa Mortgage BankersAssociation.

Local woman receivesnational recognition FROM STAFF REPORTS

Vanessa Shadix


Varied roof lines and a charming wrap-around porch give the Elsberry such anintriguing appearance that you can’t helpbut take a second look.

Most interesting, perhaps, is the hid-den sun deck, recessed into the roof of thecovered front porch. A French door linksthis sunny space to the vaulted owners’suite on the second floor.

This small home is particularly wellsuited to the needs of a couple, single,empty nesters, or a small family. It alsolends itself to construction as a vacationgetaway. The wide rear deck and frontporch provide plenty of space for appre-ciating the outdoors.

Entering, you step directly into theheart of the home. It’s mere steps to thekitchen, and your panoramic view en-compasses the living room, dining roomand deck. Standing in the kitchen, you’vegot that same great view, though a flusheating and conversation bar does providesome separation.

Ceilings are high and vaulted in the liv-ing room and dining room. Sunlightwashes in through wide rear windows,and a circular fireplace radiates warmthand color on gray days. Sliders in the din-ing area access the rear deck, and doubledoors open into the den.

The main bathroom has two entries.You can get there from the den, or from ahallway on the other side that runs past abedroom (or study), and a utility roomwith a handy exterior access. This featureenables it to double as a mud room, whenneeded.

Another vaulted ceiling adds volume tothe Elsberry’s owners’ suite upstairs. Inaddition to its concealed deck, this largespace has a roomy walk-in closet, over-sized shower with seat, double vanity andprivate toilet.

For a review plan, including scaled floor plans, elevations,section and artist’s conception, send $25 to AssociatedDesigns, 1100 Jacobs Drive, Eugene, OR, 97402. Please specifythe Elsberry 30-265 and include a return address whenordering. For more information, call (800) 634-0123.

HOUSE PLAN

Elsberry perfect homefor smaller families

Are you in a second marriage that in-volves two sets of children? And are youplanning to buy a home with your presentspouse? If so, even before buying theproperty, you may wish to develop a legallyviable plan to ensure that all the offspringreceive their fair share of the real estate(and other assets) after you die.

“If you don’t have a willin place, the courts get todecide what happens to allyour stuff. In that situa-tion, the division of yourassets can turn out to bevery different from whatyou had in mind,” said EricTyson, a personal financeexpert and author of “Let’sGet Real About Money.”

Many people assume that estate plan-ning is just for the wealthy. But even thosewith limited assets should get their inten-tions down on paper before making a ma-jor financial move, such as buying a home,said Lynn Meyers, a longtime estate plan-ning attorney.

“It’s very, very important to have an es-tate adviser, particularly if you’re in ablended family,” said Meyers, who’s affil-iated with the American College of Trustand Estate Counsel (www.actec.org.), anorganization of lawyers who specialize inestate planning.

Before you buy a home with your sec-ond spouse, Meyers said you’ll want todiscuss your intentions on how equity inthat property will be divided upon yourdeath. For instance, the two of you shoulddecide whether you want your spouse toinherit the property in its entirety orwhether you want it to pass on to yourchildren.

Denis Clifford, an attorney specializingin estate planning, said the key goal of agood estate plan is to ensure that yourwishes are carried out after your death andin accord with state law.

“After you die, you don’t want yourchildren to miss getting the equity fromyour home just because your plan wasdone wrong,” said Clifford, the author of“Plan Your Estate.”

Although a relatively simple will is suf-ficient for many couples, Clifford saidthose with children from a previous mar-riage may wish to establish a “living trust”to help ensure that their estate is settledsmoothly and fairly after they die.

Here are pointers for couples in blendedfamilies who want to create an estate planbefore a joint property purchase:

› Recognize the need for expert ad-vice.

Jordan Simon, an investment managerand the co-author of “Estate Planning forDummies,” strongly advises people whowant an estate plan to hire an attorney tohelp ensure they get solid advice. This isparticularly important if they have chil-dren from a previous marriage and plan tobuy real estate with their new partner.

Although several books and websitesencourage consumers to create their ownwills and trusts, Simon said that thosewho do so risk making mistakes their sur-vivors could live to regret.

Charles Abell, an estate-planning at-torney affiliated with the American Col-lege of Trust and Estate Counsel, said

there’s no such thing as a“one size fits all” estateplan, even for moderate- tomiddle-income people.And because the laws gov-erning probate differ fromstate to state, he said it’scritical you choose an at-torney licensed to practicein your state.

› Find a lawyer through personal rec-ommendations.

Obviously, anyone can find an attorneythrough the local bar association. Butyou’re usually better off asking for recom-mendations from friends, relatives or pro-fessional contacts such as your account-ant, said Patricia Annino, an attorney inthe field and author of “Women and Mon-ey: A Practical Guide to Estate Planning.”

Tyson cautions consumers againstchoosing an estate-planning specialistbased solely on advertising. He also urgespeople to avoid picking a lawyer who of-fers them “free food or other freebies” toparticipate in an estate-planning seminar.

“Although they don’t say so, manytimes these lawyers are really trying to sellyou high-priced annuities or insuranceproducts,” Tyson said.

› Contain your legal fees by educat-ing yourself.

Tyson said there are several ways to lim-it your legal fees and still get a good estateplan that will safeguard your intentionsrelative to the inheritance of your assets.One way is to find a lawyer who will giveyou a firm, upfront estimate on the cost ofdoing your plan. He also suggests “youbuy a good book or two on the topic.”

Before your first visit to the lawyer’s of-fice, assemble a list of all the assets youown — or soon expect to own — individu-ally or in combination with your spouse,he advised. Also, discuss with your spousehow you want your estate to be handled.

› Don’t put off estate planning.Many Americans lack even simple wills,

which can put a burden on their survivorsand allow court administrators — ratherthan their families — to make decisions onthe disposition of their assets, includingreal estate. The absence of a will also canspark disputes among survivors.

Annino urges people to watch out foremotions that could cause them to avoidmoving forward with at least a simple will.

“Don’t let your fears about mortalitykeep you from completing this importantstep,” she said.

To contact Ellen James Martin, e-mail her at [email protected].

UNIVERSAL UCLICK

Don’t buy until youhave a will in place

EllenJamesMartin

SMARTMOVES

YUKON — Russell Jones has joined RE/MAX TwinRivers, 520 Pointe Parkway Blvd., as a residential realestate sales associate.

He has more than 10 years of experience in marketingand sales management. He graduated from MustangHigh School in 1990 and attended the University of Okla-homa.

He lived and worked in California before moving backto Oklahoma in 2009 with his family.

Russell Jones named salesassociate for RE/MAX

Russell Jones

7FSATURDAY, FEBRUARY 26, 2011THE OKLAHOMAN NEWSOK.COM


JPMorgan Chase & Co. has announcednew programs geared toward militarycustomers and veterans and apologizedfor overcharging thousands of active-du-ty service members on mortgages and im-properly foreclosing on more than a doz-en.

The steps include a program makingcertain military personnel eligible for re-duced-rate mortgages; enhancing a mort-gage modification program for personnelwho are having trouble making payments;and a pledge not to foreclose on any activepersonnel while they’re deployed.

JPMorgan Chase Chairman and CEOJamie Dimon said those programs andother initiatives “are a start, but in no waya finish” to address the bank’s recent mis-steps involving military clients.

“This company has a great history ofhonoring military and veterans, and themistakes we made on military foreclo-sures are a painful aberration on that trackrecord,” Dimon said in a news release.“We deeply apologize to our military cus-tomers and their families for these mis-takes. We cannot undo them, but we cantake accountability for them, fix them andlearn from them.”

The New York-based company admit-

ted the mistakes last month, includingbreaking a law that limits fees and interestcharged to active-duty service members.Service members on active duty can’t becharged more than 6 percent for mostdebts that they incur before they are de-

ployed. Their homes can’t be foreclosedon until after they return from active duty.

On Feb. 1, the head of a new govern-ment office charged with protecting mil-itary personnel from financial tricks andtraps wrote CEOs of the 25 biggest mort-gage banks. In the letters, Holly Petraeussaid the CEOs needed to make sure theiremployees understand military legal pro-tections. Petraeus heads the Office of Ser-vicemember Affairs within the govern-ment’s new Consumer Financial Protec-tion Bureau.

Her letter came after the violations in-volving mortgage rates and foreclosureswere reported by NBC News.

Here’s a look at some of the stepsJPMorgan announced:

› Mortgage rate reductions. Begin-ning April 1, Chase Home Lending, thebank’s mortgage business, will implementa rebate or similar program for militarypersonnel protected by pricing caps underthe Servicemembers Civil Relief Act. Eli-gible borrowers may have their mortgagerate reduced to 4 percent while on activeduty, and for a year afterward. That maxi-mum rate is 2 percentage points lowerthan the 6 percent rate current requiredunder the act.

› Loan modifications. In April, Chasewill enhance a program to modify mort-

gage terms for military borrowers who aredelinquent or having trouble making pay-ments. The program is open to all mem-bers of the military who have served onactive duty as far back as Sept. 11, 2001.The program will go beyond the require-ments of the government’s current mort-gage modification initiative, the HomeAffordable Modification Program.

› Home ownership assistance. Thebank said Chase will not foreclose on anycurrently deployed active military per-sonnel. The change goes beyond currentrequirements of the ServicemembersCivil Relief Act. Those requirements pro-tect military borrowers against foreclo-sure only if they took out their loans be-fore going on active duty. Chase also willdonate 1,000 homes to military and veter-ans over the next five years through non-profit partners. By the end of this year,Chase will open five new homeownershipservice centers in cities near the followingmilitary bases: Fort Hood, in Texas; NavalStation Norfolk, in Virginia; Fort Bragg/Pope Air Force Base, in North Carolina;Camp Lejeune, in North Carolina; andFort Campbell, in Kentucky.

› Veterans jobs. JPMorgan will forman alliance with other corporations tocommit to hiring 100,000 military andveterans over the next 10 years.

JPMorgan to make amends with military clients

Pedestrians are reflected in the granitesign wall at the JP Morgan Chase build-ing in New York. JPMorgan Chase & Co.announced new programs geared to-ward military customers and veterans,and apologized for overcharging thou-sands of active-duty service memberson mortgages and improperly fore-closing on more than a dozen. AP PHOTO

BY THE ASSOCIATED PRESS

Actress Winona Ryderhas sold her Sunset Strip-area home for $3,725,000,the Multiple Listing Ser-vice shows.

The Spanish-stylehouse, built in 1936, sitsbehind a thick hedge of fi-cus trees on a third of anacre. Bougainvillea andwisteria cover the entranceand balconies of the 3,765-square-foot villa.

Original features in-clude the Malibu tiles, thecurved staircase and theart deco bathrooms.

The kitchen and break-

fast room open to a patioarea and the swimmingpool. The living room pic-ture windows and pub

overlook the front yard.There are four bedroomsand four bathrooms.

After starring in “Ed-ward Scissorhands”(1990), “Little Women”(1994) and “Girl, Inter-rupted” (1999), Ryder, 39,returned to the spotlight inlast year’s “Black Swan”and the TV movie “WhenLove Is Not Enough: TheLois Wilson Story” and“Star Trek” (2009).

She bought the propertyin 1998 for $2.6 million,public records show.

Gore VidalProlific author and play-

wright Gore Vidal has list-

ed his Sunset Strip-areahome for $3,495,000.

The 1929 Mediterraneanvilla has 4,782 square feetand features a living roomwith an oversize fireplace,a meditation room, a mu-sic room and an office.

The main house has twoen suite bedrooms and twostaff or guest rooms. In-cluding a separate gues-thouse, the property has atotal of five bedrooms andfive bathrooms.

The nearly half-acre oflandscaped grounds con-tain a swimming pool,multiple patios and a koifountain.

Vidal, 85, wrote “The

City and the Pillar” (1948),“Julian” (1964) and “Lin-coln” (1984). His Broad-way hits include “The BestMan” and “Visit to a SmallPlanet.”

He bought the house in1977 for $149,500, accord-ing to public records.

Ken Norton Jr.Former NFL linebacker

Ken Norton Jr. and hiswife, Angela, have soldtheir Marina del Rey homefor $1,999,000.

The four-level contem-porary home was built in2000 and features an ele-vator, a media room and atop-floor gym. Five bed-

rooms and six bathroomsare contained in 5,800square feet of living space.

Norton, 44, played forthe Dallas Cowboys (1988-1993) and the San Francis-co 49ers (1994-2000). Hisfather is a former heavy-weight boxing champion.

The couple sold becauseNorton, who coached atthe University of SouthernCalifornia, is now the line-backers coach for the Seat-tle Seahawks.

The house previouslysold in 2001 for $1.55 mil-lion, according to Trulia.com.

MCCLATCHY-TRIBUNE INFORMATION SERVICES

Big names sell big homes in Los-Angeles areaBY LAUREN BEALELos Angeles Times

Actress Winona Ryderhas sold her Los Angeleshome near the SunsetStrip for $3,725,000.

MCCLATCHY-TRIBUNE PHOTO

THE OKLAHOMAN | NEWSOK.COM SATURDAY, FEBRUARY 26, 2011 9FREAL ESTATE

Thank you, ThomasEdison, for inventing thelightbulb.

We all benefit daily fromthem. This brilliant inven-tion has changed our lives.We can read through thenight, perform tasks, safe-ly travel the streets, see us-ing vehicle headlights, en-joy movies with projectionlamps and enhance ourartwork.

The two most commontypes of bulbs are incan-descent and fluorescent.Incandescent bulbs glowwhen electric current pas-ses through a filament. Alllamps with a filament areconsidered incandescenteven when they are mod-ified with gasses such ashalogen, krypton and xe-non.

Fluorescent bulbs pro-duce light when an electricarc passes between cath-odes, exciting mercury andother gasses and produc-ing radiant energy. Phos-phor coatings convert en-ergy into visible light. Thecompact fluorescent hasbeen promoted as energy-saving, low heat and long-lasting. The ballast for thecompact fluorescent is be-low the lamp and above thethreaded base, increasingheat, which shortens thelamp life. Remember thatfluorescent bulbs cannotstart in cold weather.

All fluorescent lampscontain mercury and needto be thoughtfully dis-carded. If they break, openthe windows and pick upthe residue with tape. Donot contaminate your vac-uum cleaner.

Lighting color is de-scribed using the Kelvin

rating. This is based on ourperception of how cool orwarm the light appears.

Use 2700 kelvins, orwarm white, in homes,counseling offices and res-taurants.

Use 3000 kelvins, orsoft white, a peachy sourcealmost like incandescentin home furnishing stores,houses and waiting rooms.

Use 3500 kelvins in themidlevel of warm to cool incommercial, retail storesand offices. This colortemperature is terrific, es-pecially when used with asilver parabolic lens thatbrightens the flatness offluorescent light.

Use 4100 kelvins, or coolwhite, only if you want thefeeling of an ice palace.This is the color temper-ature that is duplicated onan overcast day in the win-ter.

Use 5000 kelvins inhospitals, laboratories anddoctors offices where acrisp light is needed.

Use 6500 kelvins, thebluest, in jewelry and ac-cessory stores.

For accent lighting, tor-cheres and task lighting,use halogen bulbs thatprovide high contrast, abrilliant color that dupli-cates sunlight. They pro-vide more light than a typ-ical incandescent. To pre-serve their longer life, pro-tect the quartz casing fromthe skin oil on your hands,which will change the ten-sion and cause a shorterlamp life. During installa-tion, use a glove or a thinfoam pad.

The tungsten redepositsonto the filament and isconsidered a self-cleaningbulb when the bulb isburned at full power. If the

bulb is dimmed often, op-erate at full power occa-sionally to extend lamplife.

Halogen bulbs usuallycost more but give morelight per watt of energyused, last longer and en-hance color. They are abargain.

But I do not use halogenreflectors in walkways;they seem like interroga-tion lights and cast shad-ows on your face. Halogenbulbs are wonderful overwork surfaces, coffee ta-bles, dining tables and todirectionally light artwork.

Xenon gas lamps burncooler than halogen butthe light they producetends to be blue. The blue-tinted headlights you seeat night are xenon. Theyhave an average lamp life of2,000 hours like halogen.

Make sure you use the

recommended wattage.But if you always dim alamp, start with a lowerwattage. The more youdim a bulb, the more yel-low the light becomes.

We use bulbs designedfor traffic signals in exte-rior fixtures. They arerated for 9,000 hours ofservice. A typical grocerystore “A” lamp is rated at750 hours.

Know that 120-volt and12-volt bulbs are not inter-

changeable. They can looksimilar so check the labelon the fixture for specifi-cations. Using the wrongvoltage can cause a dra-matic bulb failure and of-ten the small bulbs are notlabeled.

A lighting designer canhelp select the color, thelevel and amount of light,and the focus to enhanceyour rooms. Rememberlighting is as much aboutperception as it is science.

Flip the switch on your lighting knowledge BY SHIRLEY ALLENMcClatchy News Services DID YOU KNOW?

Lightbulb lettersBulbs have a letter designation for each shape

and a number that indicates the diameter of thelamp in the largest part.› A — typical-shape Edison, or standard screw

base.› B — candelabra torpedo shape.› CFL — compact fluorescent often coiled with a

standard screw base.› R — reflector.› MR — satellite-dish shape with a variety of

base designs.› PAR — reflector-shaped with Pyrex lens, usu-

ally halogen.› T, without a number — typically Halogen dou-

ble-ended 79 mm or 118 mm long.› T, with a number — tube-shaped with a variety

of base sizes.

A 100-watt incandescent lightbulb is shown at Royal Lighting in Los Angeles. In-candescent bulbs glow when electric current passes through a filament.

AP FILE PHOTO

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18117EngOakLn3/2/2$1225501 NW 174 3/2/2 $1095604 Mary Lee Ln 3/2/2 $8151321 Pennington 2/1/1$695Express Realty 844-6101www.expressrealtyok.com

6200 SE 11th extra sharp3bd brick 2ba, oversized1 car garage, ch/a, mintcondition $875 FidelityRE 410-4200, 692-1661

1002 Bell Dr. Immac 2/1/1,no pets/smoker $650 + dep.705 Holoway Dr. updatedfor sale. 3/1.5/1 787-8099

Nice 2 bed, 1 bath,garage carport, W/D,

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1002 Bell Dr. Immac 2/1/1,no pets/smoker $650 + dep.705 Holoway Dr. updated

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1300 McDonald Dr 3bd1ba 1car $550mo $400dep

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Rent to Own: Nice 2&3bdMWC $350&up 390-9777

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913 NW 34th, small 2bed, 1 bath, 1 car, newch&a, $500 month + de-posit, no pets, 794-8056.

1212 N. Norman 3bd 1ba1car 900sf $675+depHome&RanchRlty794-7777

Beautiful Home!!3BD/2BA/2Car Excellentnghbhood.$980.593.1432

220 S. Norman, 3bd, 1 bath1 car gar $695/mo 408-5836

2B on 1N A, rent $450non smkr $55K carry, $5Kdwn/barter 386-5278

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3bd 1ba, $625/mo, Sec 8ok, 1219 NE 18th. Other3,2,1 beds avail.923-7777

2301 N. Hood 3bd, 1 bath$525/month 408-5836

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3347 NW 12 3bd 1bath1239sf, fridge, stove,wood & carpet floors

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Elegant 3BR ExecutiveHome. Marble, granite.Rare, never rented,2300sf $1645 255-4300

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723 NW 25th, 5 bd, 2 ba,ch&a, w/d hu, $985 mo,$600 dep, 850-9795.

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3 bd, 1 ba, ch&a, W/Dhook-up, 504 NW 92nd,$525+$400dep 478-3910.

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1033 Hoyt 3/1/1 $575681-7272


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3/1.5/2, 4825 FairmontAve. $695 mo, $350 dep,sec. 8 ok, 324-2611

3/4Bd in West & SE OKC,$600-$700/mo, Sec. 8, $0 dep.1-800-529-0307 code 37


Nice 3 bd, 1 ba, 1 car, lrgfncd yd w/ deck No petsNo Sec 8. $700 +$700dep222-7101 2534 SW 57 St

2625 SW 45th Sharp3bd, with 1 car garage,clean, fenced $650Fidelity410-4200, 692-1661

3009 SW 20th 2/1 $450633 SW 33rd 2/1 $3501424 SW 24 1bd dplx $350

681-7272

4605 S. Santa Fe4 bed, 2 bath, CH&A

w/d hookups, w/appli-ances, 405-501-6570

4044 SW 26th 2bd $4005709 Empire 2bd $325

FLESHMANS INC235-5473 or 314-3551

3/1/1.5 New ch&a, car-pet, no section 8 or pets

$750mo $1000dep2721 SW 61st. 636-1911

Nice 2b 2b 1c ch&afp w/d hkup fncd bkyd

$595mo 1yr lse 503-5742

2 bed, W/D hookup,fenced yard, $475 mo,

$250 deposit, 631-8039.

Very Nice 2604 SW 553/1.5/2, No Sec 8/Pets$700 + $600dep 410-9777

2bd/1ba, ch&a, fncd, w/dhkup, 4508 S. Robinson,

$450, no sec. 8, 503-5742

$ FREE RENT 1ST MO $» FOR SALE OR RENT»2BR $350+, 3BR $450+,

MWC NO PETS 427-0627

2 & 3 bd, Mbl Home onacreage, Newalla. Ready$495, $300dep 386-4455

PROFESSIONAL REALESTATE SERVICES

Mgmt » Leasing » Sales

Spectrum Management848-9400

usespectrum.com

Mature single person,smoking okay, $450

month, utilities included,»»» 326-9114 »»»

Moore-Room for RentFor details call405-799-0071

Lake Texoma, SoldierCreek, lake view, 973 sqft living, 974 sq ft deck,carport, 1 living, 2 bed, 1bath, fully furnished,paid landscaping andyard maintenance, passthrough utilities, $1000per month, year lease re-quired, 580-565-9500.

1N to 10A, E. of OKC,pay out dn. before 1st pmt.starts, many are M/H readyover 400 choices, lg trees,some with ponds, TERMS

Milburn o/a 275-1695paulmilburnacreages.com

Land For SaleLogan County HWY 77Frontage. Pond andwildlife for great hunt-ing. M-O schools. 31.6ac., $83,000 Call Tom@ 405-417-1042

OWNER FINANCING1-28 Acres

Many LocationsCall for maps405-273-5777

www.property4sale.com

Payout dn pmt before 1stpmt starts. Your opportuni-ty to own land, 40 areas,E, NE, SE of OKC 1N A.Milburn o/a 275-1695 terms

PRIME BUILDING SITES-PIEDMONT EastwindEstates II, 3/4 and 1

Acre lots, Leon 373-4820OVERLAND EX REALTY

PIEDMONT -1 AC cornerlot Eastwind Estateschoose blder $42,000

Marian 850-7654Cleaton & Assoc 373-2494

2.5 acres Bridge Creekarea, rural water, owner

finance, low down.899-4220

Call for Maps! See whywe sell more acreagesthan anyone in Okla.

E of OKC. o/a 275-1695

BANK OWNED updated 3/22 liv, 1812sf, brk, 28 acres$89.9KArleneCB 414-8753

Sharp 1500+ sf 3bd 1O ba2 living, ch/a, corner lot,excellent cond $104,900Fidelity 692-1661 410-4300

OWNER FINANCING$2000 down No Credit Ck522 E Douglas Dr 2/1, $49k¡ 596-4599, 410-8840 ¡

OWNER CARRY,3 bd, 1 ba, 1 car, ch&a,remodeled, 1301 McGre-gor, $3K down, 348-2108.

Spacious completely re-modeled 3bd 2ba 2car oncul-de-sac lot, new roof &carpet, new light fixtures,fp, Greenbriar Eastlake,Westmoore Schls, only$129,900. Fidelity RE410-4200, 692-1661

504 Pinewood DriveBeautiful remodeled 3bd2ba; $115,000 OpenHouse Sunday 2-4pm

BANK OWNED 3/2/2, 2 liv,1600sf, corner lot, brick

$99,900 ArleneCB 414-8753

Investor/Handyman Special3 bd, 1 ba ¡ $23,500 OBO

826-5129 or 799-7508

NEW LISTING7216 Walnut Creek

3bd 2ba some updates$129,000

Marian 850-7654Cleaton & Assoc 373-2494

3/2/2, fp, office/mediaroom, PC Schools, must

see! 5929 NW 71st,$129,900, $3K closingassistance, 330-1880.

3/2/2, PC Schools, newcarpet & paint, 8429 NW91st, $89,900, $3K clos-ing assistance, 330-1880.

Open Sat / Sun 2-48212 NW 68th PlaceRiver Bend Lake Home

2-4 Sun 5017 Quapah AveNear Deac., 2/1 + Conv. rm1267 sf, $85,500 408-1792

4bed Executive home,Westmoore schls, cornerlot, 2.5ba 2car garage, 2dining areas, excellentcondition. Great area!$175,000 Fidelity RE410-4200, 692-1661

OWNER FINANCING$2000 down No Credit Ck3817 SW 38 3/1, $48,0003260 SW 47, $500 down524 SW 26 $500 down¡ 596-4599, 410-8840 ¡

SALE/RENT TO OWN$145K, 1939sf, 3/2/2. 1/4AC. 16 SW 102. West-Moore Schools 401-0139

Sharp 3bd, 2 living areas,2ba, nice area, great condOnly $85,000 Fidelity RE410-4200, 692-1661

PIEDMONT OPEN SAT2-4 & SUN 2-5. Model

home. New hms on 1/2ac lots. Info also

available for new hms inother additions. From

NW Expwy & Sara Rd go4.5 mi N Cleaton &Assoc 373-2494.

PIEDMONT OPEN SUN2-4 Northwood Lake

14401 Westlake Dr 3/2/2ON 1.25 AC mol approx2132' access to privatelake. $195,000 Carmen

833-0106 Cleaton &Assoc 373-2494

5215 HART DR NE 5Ac5Bd, 3K Ba, 2 Lg Liv

areas. 3900 Sqft + ManyUpdates. Pipe & Cable

fence $375K Leon 373-4820Overland Ex Realty, Inc

NEW HOME 1 ac 4/3/3approx 2500' $265,000

call Marian for more de-tails 850-7654 Cleaton &

Assoc 373-2494

NEW HOME 1/2 ac3/2.5/3 open flr plan

$216,800 call Marian formore details 850-7654

Cleaton & Assoc 373-2494

Priced for quick sell 3/2/21577sf, blt '95, .26 acres$114K Arlene CB 414-8753

PIEDMONT OPEN SAT2-4 & SUN 2-5. Model

home. New hms on 1/2ac lots. Info also

available for new hms inother additions. From

NW Expwy & Sara Rd go4.5 mi N Cleaton &Assoc 373-2494.

PIEDMONT OPEN SUN2-4 Northwood Lake

14401 Westlake Dr 3/2/2ON 1.25 AC mol approx2132' access to privatelake. $195,000 Carmen

833-0106 Cleaton &Assoc 373-2494

Moore: Open Sun. 2-4,1617 NE 6th Terrace. 3

bd, 1.5 ba, 2 living areas,1296 sf, $97,500. Remod-

eled & move in ready.405-206-2055, KOGRE.

2 Lots of Land + Ext Gar/Ovrsizd Shed Zoned Res-idential, $9995, 230-7343

Move Your Mobile HmFREE. 9 OKC propertiesto choose from, Movebefore 2/28 & receive$100 lot rent for 6 mo.Some Conditions ApplyCall Today 405.326.5728

Huge clearance sale!!Special Program. OwnLand/Family Land ZEROdown. Financing avail.for most everyone. Turnkey,we do it all. 1000 Furniturepackage w/purchase.Free Phone Application/EASY.WAC 888-878-2971405-204-4163

2X YOUR TAX REFUNDUse your refund as yourdown & we will DOUBLE

IT (SEE RULES)Bring us your w-2’s and

we'll do your taxes405-787-5004 thcok.com

$5000 Towards YourDREAM HOME!

+ $100 lot rent for 6months, expires 2/28Call for Details, Some

Conditions ApplyNo App Fee~405.326.5728

$$$ Do you think youcannot qualify for a new

mobile home? Thinkagain!! Free phone

application YES YOUCAN! 405-631-7600

’ $281mo. ’Refurbed doublewide

ready NOW! 3 bd/Island/Decks/Shop/Fence

405-470-1330

REPO! REPO! REPO!3bd Vinyl Sided/Shingle/2x6 walls. Free del/set,

Financing available@$335mo. 405-787-4035

First Time Homebuyer!!3/2 bath set up in quietpark. Ready to move in.Free Phone Application/EASY. WAC 405-631-7600

As low as $1250 DownBuys a New 2bd/2bthMobile Hm $550/mo.

payment in Quiet ParkNo App Fee~405.326.5728

Abandoned D/W set up w/4.5 acres. Brick foundation,driveway &all improvementsRead to move in. WAC405-631-7600 405-635-4338

2 Bd 2 Ba MH$1500. You Move.

405-243-3657

We Buy Used Homes!405-476-5599 Leave msg

w/details about home

**NEW** 1216 sq ft$25,995 - 1 only

Maxeys Homes 631-3600

Repo 16x80 3bd 2ba301-2454 517-5000

Doublewide 3x2 $19,900301-2454 517-5000

10 acres 2200sf Repo301-2454 517-5000

Rent to Own: Nice 2&3bdMWC $350&up 390-9777

Angel Fire: Sell or possi-ble exchange for house

and/or acreage in N. Okcarea. A.F. property is3100sf, 3 garages, 2.5baths, hot tub, 3 red-

wood decks, 1 ac +,$450,000 405-285-1366

Trade your place in Moore/Norman area for mine, 3blks f/ beach in [email protected]

SHERIFF'S SALE11800 Barton Drive

3 bedroom, 2 baths, niceneighborhood, sells

3/10/11, 2PM, room 503,Oklahoma County CourtHouse Annex. Appraisal

$83,400. Contact Frank WDavis, Attorney, 282-1420.

I BUY HOUSESAny condition. No cost

to U 495-5100

Nice Homes Metro. SomeOwner Carry 417-2176www.homesofokcinc.com

I BUY & SELL HOUSES27 YRS EXP 650-7667

HOMESOFOKCINC.COM

Feed/Grain Mill For SaleHarrah OK Family ownedgrain and feed company.Retail - Wholesale, good

revenue. $370,000Tom 405-417-1042

DRY CLEANING BUSINESS4 Locations in business

20 years $165,000CARY 405-642-5226

Bank owned 18 units$350K, 4 plex near OCU$169K - 6 units hrdwd flr$225K, Income Property$200K 12% CAP, $1 MMearns $10,000 per month,Seabrooke Rlty 409-7779

INVESTOR BLOWOUT!1224 NE 19th $26,9002118 N Prospect $26,9005021 Fairmont $59,900

Prices Neg. Kruger Inv.Jim, 235-9332 / 812-1657

Small Business/Storage1250sqft, 28Wx50L,

14x14 O/H door,$500 month. 89th St.

& I-35 S. OKC, 631-4447

New I-35 frontage bldgfor rent: ofc/shop/whse,1900sf $800mo 793-7877

Attention: TimberbrookeProfessional Center925 NW 164th Street,

Suite B. Business spacefor lease. 2500 sq. foot.

$2,250.00 per month.Contact Marci Acosta,M-F, 8 a.m. to 5 p.m.

405-330-5544

ForLease-NEW BEAUTIFUL1 room office with

Reception-Showroomarea and rear storageroom. Pole mounted

sign included.2429 N. Council.

$300 month. 370-0759

GREAT SpaceOFFICE

Various NW locationsMOVE IN SPECIALS

300-6000sf 946-2516

4801 CLASSEN BLVD4 Room Suite $700 mo6 Room Suite $900 mo

SPECTRUM MGMT848-9400

1, 2 & 3-Room Offices$175 & up ‘ 50th &

N Lincoln area 235-8080

K Office, K Warehousefor lease. Various sizes.

221 W Wilshire 842-7300

TOP LOCATION!Pd. wtr/garb. Near malls.Try Plaza East 341-4813

1 & 2 BEDROOMS,QUIET! Covered ParkingGreat Schools! 732-1122

$200 OFF RENT1&2bedrooms. Spring TreeApartments. 405-737-8172.

$99 move in special Lg 1bdquiet, clean, coin lndry onsite, pool $365mo 794-5595

4304 NW 11th St. 3bd1.5 ba 2c garage. W/Dhookup. ch&a, fenced

back yard. $725mo $725dep no pets 519-2845

3928 NW 25th St, nice 2bed, 1 bath, 1 car, ch&a,

stove, $575 mo,755-1316

Warehouse Space For Rent

Offi ce Space For Rent

Business Property For Rent

Investment Property For Sale

Established Business For Sale

Business PropertyFor Sale

Commercial RE

Houses for rent

HomesFor Sale 309.9

Condominiums,TownhousesFor Rent 441

Yukon 438


Oklahoma CitySocrates Lazaridis,

5904 N Villa Ave., school,add-on, $3,125,195.

Steve Hays, 7777 S MayAve., school, erect,$1,900,000.

Allenton Homes &Development LLC, 3509NW 173 Circle, residence,erect, $1,200,000.

Winters Contracting,11301 Northwest Express-way, storage, erect,$950,000.



Aaron Winters, 11301Northwest Expressway,storage, erect, $950,000.



Ron Davis, 10830 SE29, automotive repair-wash, erect, $450,000.

David Meier, 2944 NW156, office, erect,$300,000.

4 Corners ConstructionLLC, 10001 Goodman,residence, erect,$280,000.

Remington BuildersInc., 9301 NW 133 Court,residence, erect,$249,000.

Rice Custom HomesLLC, 917 NW 195 Place,residence, erect,$210,000.

Dimensional Construc-tion Inc., 1600 W In-terstate 240 Service Road,retail sales, add-on,$200,000.

Taber Built HomesLLC, 3232 Orchard Ave.,residence, erect,$200,000.

Taber Built HomesLLC, 15400 HomecomingDrive, residence, erect,$200,000.

Taber Built HomesLLC, 2417 NW 154, resi-dence, erect, $200,000.

Willis (Don) CustomHomes Inc., 11201 SW 37Court, residence, erect,$200,000.

Sunny Pulipra, 5000Horizon Blvd., residence,erect, $200,000.

Taber Built HomesLLC, 2413 NW 154, resi-dence, erect, $195,000.

David Meier, 2946 NW156, business, erect,$195,000.

Randy K. Valdez, 6404NE 105, residence, erect,$190,000.

Abel Homes, 14108Canterbury Drive, resi-dence, erect, $185,000.

J&R Custom HomesLLC, 12828 NW 6, resi-dence, erect, $173,000.

Terry Building Co.,11500 SW 15, church, add-on, $147,000.

Ideal Homes of Nor-man LP, 2412 SW 138,residence, erect,$125,000.

Ideal Homes of Nor-man LP, 2409 SW 138,residence, erect,$123,000.

Brad Jones, 17900 NWestern Ave., medicalclinic-office, remodel,$114,856.

Rausch ColemanHomes LLC, 4800 Caleb,residence, erect,$100,000.

Sooner Traditions LLC,19409 Vista Ave., resi-dence, erect, $100,000.

United-Bilt HomesLLC, 13100 SE 89, resi-dence, erect, $92,000.

George Schott, doingbusiness as Two TurtlesProperty Management,3213 Tenkiller Court, resi-dence, erect, $90,000.

Ideal Homes of Nor-man LP, 2632 NW 185,residence, erect, $82,000.

Ideal Homes of Nor-man LP, 18301 Cola Drive,residence, erect, $80,000.

Rausch ColemanHomes LLC, 6149 CieloTerrace, residence, erect,$80,000.

Rausch ColemanHomes LLC, 4701 SE 81,residence, erect, $80,000.

Rausch ColemanHomes LLC, 7912 SunnyPointe Lane, residence,erect, $80,000.

Rausch ColemanHomes LLC, 4700 SE 81,residence, erect, $80,000.

Mark Kesner, 3259 SChoctaw Road, tower-antenna, install, $80,000.

Chris Webber, 7120 NW63, office, remodel,$75,000.

Ideal Homes of Nor-man LP, 1825 NW 143,residence, erect, $73,000.

Dick Cooper, 3420Treadwell Drive, resi-dence, add-on, $70,000.

Sam Gresham, 7503 NMay Ave., retail sales,

remodel, $60,000.KRD Contracting, 3916

N Harvey Parkway, resi-dence, add-on, $50,000.

Mendez Construction,1840 NW 56, residence,remodel, $50,000.

Castle Custom HomesLLC, doing business asCastle Creek Homes,10105 Samantha Court,residence, add-on,$40,000.

Oklahoma Gas andElectric Co., 500 SBroadway Ave., storage,install, $40,000.

Keena Oden, 1005 NW17, residence, add-on,$40,000.

SJS Properties/MattJones, 1512 NW 42, resi-dence, remodel, $30,000.

Grant Sanders, 4243Will Rogers Parkway,office-warehouse, re-model, $30,000.

TNH Holdings, 16401 NRockwell Ave., add-on,add-on, $29,000.

Loy Sawicki, 2817 Mi-rage, storage, erect,$25,000.

Jason Priest, 6525 SE163 Court, storage, add-on, $21,000.

Mark Kesner, 3259 SChoctaw Road, tower-antenna, move-on,$20,000.

Wendy Housley, 9009NW 10, manufacturedhome, move-on-mobilehome park, $16,000.

Grant Sanders, 4100Will Rogers Parkway,office-warehouse, re-model, $15,000.

Mark Stephens, 1349Lowrie Lane, residence,add-on, $11,000.

Archer Western, 15924S May Ave., equipment,install, $10,000.

Gary Kelly, 1117 NW 105,accessory, erect, $8,000.

W. Moffatt Construc-tion LLC, 5808 LenoxAve., residence, remodel,$8,000.

Jed Green, 3525 NW 23,retail sales, remodel,$7,500.

Archer Western, 15924S May Ave., canopy-carport, erect, $5,000.

Jesus Martinez, 24 SE38, residence, add-on,$5,000.

Ground Zero, 9300 SW23, storm shelter, install-storm shelter, $3,995.

Flatsafe Tornado Shel-ters, 11913 Glenhurst Blvd.,storm shelter, install,$3,650.

Smartsafe Enterprises,2516 Warwick Drive,storm shelter, install,$3,195.

Josh L. Fisher, 7902Harvest Moon Road,storm shelter, install,$3,000.

Michael Smith, 4017Bar Harbor Circle, stormshelter, install-stormshelter, $2,700.

Johnny B. Taylor, 6308

NE 105, storm shelter,install-storm shelter,$2,700.

Dianna Taylor, 5316 NW122 Terrace, storm shelter,install-storm shelter,$2,650.

Kayode Adebiyi, 10908N McKinley Ave., cano-py-carport, add-on,$2,300.

Edwin Charra, 4200NW 19, accessory, erect,

$1,500.

DemolitionsK&M Dirt Services

LLC, 3312 S Dumas Ave.,residence.

K&M Dirt ServicesLLC, 1406 NE 24, resi-dence.

Bill Walker, 5916 SW 21,porch.

Eustaquio Salazar, 105SE 31, residence.

Building permits

MOORE — Cheryl Cuppsand J.T. Brown of Century21-Clinkenbeard will pre-sent a free Home Sellers’Showcase at 6 p.m.March 31 at Moore PublicLibrary, 225 S HowardAve.

The aim is to give any-one thinking about sellinga home an opportunity tofind out how to prepare ahome for the market.

Speakers will include ahome inspector, appraiser,landscape specialist andRealtors. Topics will in-clude:

› Inspections and whatan inspector looks for.

› Disclosures, and whatneeds to be operable.

› What really addsvalue to your property.

› Home staging anddecluttering.

› “The $5,000 gallon ofpaint.”

› Lighting, lighting,lighting.

› Home warranties.› Closing costs.› What to expect of

your Realtor.› How to price your

home.› Realtor vs. For Sale By

Owner.Refreshments will be

served. Seating is limited. To

reserve a spot, call Cuppsat 365-4314 or [email protected], or call Brown at604-7363 or [email protected].

Showcaseoffers freeadvice forhome sellersFROM STAFF REPORTS

The Oklahoman Real Estate

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