WIN

TER

2007

TheDenverTeam.com

Neighborhood NewsNeighborhood News

Selling Your Home This Winter

Are You Living inYour Dream Home?

This edition’s

Special ClientOur special client for this edition is Julie Bender!

If she calls Kelli at (303) 322-2210 she will receive a gift certificate for $50 from Kona Grill in Cherry Creek.

Watch for your name here in coming months.2 KELLI LANPHERE . TheDenverTeam.com . 303-322-2210

Home Design – Hot vs. Not in the New YearHere are some tips on what’s hot — and what’s not — in home design, according to Rosemary Sadez Friedmann, author of “Mystery of Color.”

HOT NOTAccent walls with bright, cheerful color Plain vanilla wallsShutters Heavy draperiesFootprint-less carpet Sculptured carpetShaggy area rugs Shaggy wall-to-wall rugsMedia rooms Theater roomsHighly functional appliances Simple appliances

Welcome to Kelli Lanphere’s Neighborhood News

COLOR TRENDS ‘07Leatrice Eiseman, executive director of Pantone Color Institute, says this year’s color trends for the home are based on museum collections from around the globe, the entertain-ment world, social issues, and the diet and health industry. Here are some of her favorites for 2007:• Greens in lime, meadow, mint and other natural

hues are popular thanks to society’s interest in the environment and the rising popularity of green tea.

• Browns in hip, coffee-shop tones like espresso, café au lait and latte.

• Soft, nurturing yellows inspired by the fashion industry.

FRESH AIR

GRASS ROOTS

LUMENS

Color unleashes our emotions, it has the power to calm, to excite, to inspire.

This day and for many more to come,

color is most definitely in!

Hang Artwork at Optimum Height

So you purchased a dazzling new painting at one of Denver’s many exciting art walks…butnow you’re wondering exactly where to hang it?Interior design experts say the bottom of the art-work should be 8 to 10 inches above the top ofa piece of furniture such as a headboard, sofa orcredenza. If the artwork is large, start 4 to 6 inch-es above the top of a piece of furniture. Artworkhung in a hallway or stairwell should be hung sothe middle of the art is 66 inches off the floor.

Happy New Year! It's the time of year for fresh starts, revitalized energy andoptimism - and that applies to the metro Denver real estate market as well.A strengthening National economy is finally beginning to positively affectColorado's economy - as well as our local Denver real estate market. That

being said, our future looks bright! With Spring just around the corner, our real estatemarket is already off and running! I'm happy to report that activity and interest from both Buyers and Sellers beganheating up more quickly than usual this year - a strong signal that there is more comfort with the Denver Real Estatemarket and, that now is the time get back in the game! Favorable market conditions (low interest rates, reasonableproperty prices, ample supply etc.) should continue to attract serious buyers to our marketplace … Perhaps now isthe perfect time to buy that special home you’ve always dreamed of owning?

A home represents so many different things to each one of us. For some, a home may simply be an investment. Forothers, it may represent a sense of security or perhaps even success. For most, "home" is that special place where weraise our families, develop our dreams and nurture our souls. The types of homes that we love vary from TraditionalTudors to Townhomes to Contemporary Ranches and everything in between! Some of us want big backyards withgorgeous gardens while others want cozy patios with little or no maintenance. Take a few minutes to think aboutyour perfect "dream home" … What do you see? A new Gourmet Kitchen? How about a state-of-the-art HomeTheater? Or maybe a Private Workshop? Do you long for a larger home (with more room to breathe) or do youdesire a "not so big home" (with less maintenance).

Are you living in your dream home today? If your answer is "no", then ask yourself this important question "Whynot"? With incredibly favorable mortgage rates still available, the time couldn't be better to follow your heart andpursue your dream home.

Currently, the average rate for a 30 year fixed mortgage is 6.5%. A year ago the average rate was around 6.75%.Although we still expect the 30 year fixed mortgage rate to average under 7% for the balance of 2007, there is strongspeculation that the Federal Reserve Board may begin to raise interest rates sooner rather than later - especially givencurrent economic conditions.

Based on historical trends, there's compelling reason to believe that we won't likely see rates at this level again in ourlifetime. Did you know that a 1% increase in rates decreases your purchasing power by 10%? Wait a few more yearsand interest rates could easily climb to 10% (or more) which likely means significantly less purchasing power andless house for the same mortgage money. Waiting could actually cost you the chance to buy your dream home!

When you think about the house that you live in now, do you believe that it has been a good investment for you?If so, why not allow yourself to consider the possibility of a new home - your dream home - as a sound investmentfor the future? There is an ample inventory of wonderful homes for sale - right now; however, the real estate marketis rapidly changing as savvy buyers move into the marketplace to take advantage of today's incredibly low interestrates. So, if you're thinking of moving, now is the time to get serious about finding your perfect home. That beingsaid, we would love the opportunity to help you discover, live in and enjoy the home of your dreams.

As Eleanor Roosevelt said, "The future belongs to those who believe in the beauty of their dreams." Truly, the timecouldn't be better to follow your heart and reach for your dreams. I wish you a year in which your hopes and dreamscome true - and, if those dreams include buying or selling a home, please remember to contact me - I'd love theopportunity to be of service to you!

Winter 2007 3

London TakesPrize for PriciestSquare FootageBuyers from Asia, Eastern Europeand the Middle East have helpedpush London past New York asthe most expensive luxury homemarket in the world. Prime resi-dential property in London nowcosts around $2,300 per squarefoot compared with $1,900 inNew York. Here in CentralDenver, the average square-foothome price is approximately$320 – a real bargain by comparison!

Denver Ranks 6thin Adventure andTravelDenver placed number six in aranking of Most AdventurousU.S. Cities sponsored bySperling’s Best Places and ZestBody Wash. Rankings were basedon accessibility to outdoor sportsand residents’ consumption ofmedia and products associatedwith an adventurous lifestyle.The #1 pick? San Francisco.

Denver also was named the 6thmost popular U.S. travel destina-tion in 2006, according to theOrbitz Insider Index. The topfive were Chicago, Las Vegas,New York, Orlando and LosAngeles.

A N O T E F R O M

Are You Living In Your Dream Home?

4 KELLI LANPHERE . TheDenverTeam.com . 303-322-2210

Old Stuff Needa New Home?If you have a garage full ofold kitchen cabinets, lum-ber, paint, shower doors,sinks or other used home-related items, they canenjoy a second life at theselocal home-improvementthrift stores. Call first toask about their policies ontaking used items.

• BUDS, 4455 E. 46thAve., 303-296-3990

• Habitat for Humanity,780 S. Santa Fe Dr.,303-722-5863 or 10625I-70 West Frontage Rd.,303-421-5300

Good used furniture canalso find a second homewith families in needthrough the followingcharities:

• Ecumenical RefugeeService, 303-860-0128

• Catholic Charities, Sister Michael Mary, 303-360-9686

• Sacred Heart House,303-296-6686

Rather Talk to aHuman? Here’sHow

If you want tospeak with areal personwhen callingc u s t o m e rservice, visit

http://gethuman.com/us/for shortcuts on how tobypass automated opera-tors at call centers forscores of companies. Thesite, which is staffed byvolunteers, gives specificphone numbers andinstructions on how toreach real, live customersupport workers.

Hilltop-Crestmoor Featured Homes165 FOREST STREET $2,295,000 HILLTOP

New Custom Home!

WWOW! Location, Location, Location! This magnificent new custom home by Devencor is located on a highly desir-able block in the Heart of Hilltop - only steps from Robinson Park! Special features include: Amazing Floorplanboasting Unsurpassed Style & Elegance, Stunning Appointments, Gorgeous Woodwork, Extraordinary Details andGlorious Outdoor Spaces; Exquisite Formal Living Room with French doors opening to a beautiful Stone Terrace;Elegant Formal Dining Room; Gourmet Irpinia Kitchen (with center island, top-of-the-line appliances, large break-fast nook, walk-in pantry and butler's pantry) adjacent to a Welcoming Family room with gas fireplace, extensivebuilt-ins, wet bar and French doors opening to anoversized patio and backyard (perfect for enter-taining or simply relaxing); Luxurious MasterSuite (with gas fireplace, built-ins, 5 piece bathand huge walk-in closet) plus Three 2nd floorSecondary bedrooms (each with a private bath &walk-in closet); Fabulous Finished Basement(with Enormous Recreation room, Private GuestSuite; Theater/Workout room and Wine Cellar);Hardwood floors; Crown Molding, Wood Beams;Art Niche; Elevator; 2 main floor Powder rooms;10 foot ceilings Convenient 2nd floor laundryroom; 3 car attached garage with storage/work-shop area and much, much more!

Featured Homes Hilltop-Crestmoor

CClassic Touches & extraordinary finishes combine to create this beautiful Tuscan style home! Special featuresinclude: Fabulous location in the Heart of Hilltop (mere blocks from neighborhood parks & The Cherry CreekShopping District); Dramatic 2-story foyer with magnificent spiral staircase; Elegant Living & Dining rooms withcoffered ceilings; Gourmet kitchen with top-of-the line appliances (Thermador, Sub Zero, Bosch, etc.), centerisland, breakfast bar, breakfast nook, butler's pantry & under counter wine refrigerator) adjacent to a welcomingFamily room (featuring vaulted ceiling & gas fireplace opening to a private covered patio with fire pit and built-inbarbeque perfect for entertaining or simply relaxing); Main floor study; Amazing Master suite boasting gas fireplace,enormous walk-in closets, 5 piece luxury bath & private covered balcony; 3 unique Secondary bedrooms (each withfull bath and private walk-in closet); Gorgeous Finished Basement (with enormous Recreation room, wet bar, 2 spa-cious guest suites, 4 piece bath, large storage room & mechanical room; Convenient 2nd floor laundry room; 2 carattached garage with mud room; Stunning appointments; Award winning architect and much, much more!

121 ELM STREET $1,749,000 HILLTOP

Winter 2007 5

Classic Touches!

FabulousLocation

in the Heartof Hilltop

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A

6 KELLI LANPHERE . TheDenverTeam.com . 303-322-2210

Hilltop-Crestmoor Featured Homes

Amazing balance of old and new in this stately two-story Tudor! Boasting traditional design and a flexible floorplan,this gorgeous home has many special features: Light & bright entry way with slate tile; Beautiful formal living &dining rooms (both featuring classic touches such as bay windows & crown molding); Wet bar; Half bath with gran-ite countertop; Wonderful kitchen with all appliances (including 6 burner + grill Thermador gas cooktop), break-fast bar & breakfast nook, Corian countertops & gorgeous Terracotta tile floors; Stunning two-story "Great room"featuring dramatic wood beamed vaulted ceilings, gas fireplace surrounded by built-in entertainment area and dis-

play shelves, dramatic custom windows,breakfast nook & access to the back yard; 2main floor bedrooms (one currently beingused as a study with built-in bookshelves &desk); Full bath; Wonderful Master suite withsitting area, bay window, ceiling fan, luxury 6piece bath, large walk-in closet & privateMaster retreat; 2 generous size secondary bed-rooms (both with ceiling fans & bay win-

dows); 4 piece "Jack & Jill" bath with custom mural;Huge back yard with patio (perfect for entertaining orsimply relaxing); Other special features include:Central A/C; Attached 3 car garage; Wood floors;Convenient upstairs laundry room; Unfinished base-ment with plenty of storage and much, much more!

501 ELM STREET $1,750,000 HILLTOP

Stately Two-Story Tudor

Clear YourMedicineChest of OldPrescriptionsWondering what to dowith expired or unusedmedications? Flushingthem can do harm to ourwater system, so here aresome suggestions for moresafely disposing of leftoverprescriptions:

1. Ask your local pharmacyif it takes back medica-tions.

2. If not, keep the medica-tion in its original con-tainer, but scratch outyour name for securitypurposes.

3. Add a small amount ofwater to pills or anabsorbent material likeflour to liquids to dis-courage their use.

4. Put the containers in apaper bag or yogurtcontainer to concealthem, then toss as closeto your trash pickuptime as possible.

Featured Homes Hilltop-Crestmoor

WWOW! Sensational design with grand finishes and timeless style combine to create a rare"one-of-a-kind" masterpiece! This stunning urban "villa" is dramatic & contemporary yetalso works comfortably as a family sanctuary complete with fun floorplan and fabulous out-door spaces … Plus, Location, Location, Location (seldom available on Crestmoor Park andonly minutes to the Lowry Town Center, Cherry Creek Shopping District and Downtown Denver). Special featuresinclude: Stunning entry with elegant circular staircase; Formal living room with fireplace adjacent to formal diningroom; Amazing gourmet kitchen with stainless appliances (Viking microwave, 6 burner cooktop & hood, 2 Boschdishwashers & Thermador double oven), slab granite, large center island with breakfast bar & food prep secondarysink, large breakfast nook & butlers pantry; Family room (adjacent to the kitchen) with gas fireplace & access to thebackyard; 2 powder rooms, Main floor study with built-in desk & cabinets & French doors to front patio; LovelyMaster suite boasting double doorentry to sitting room with Frenchdoors to private balcony, 3 sidedfireplace, 6 piece luxury bath &giant "his" and "hers" walk-in clos-ets; 3 secondary bedrooms (eachwith a private bath & walk-in clos-et); Convenient upstairs laundryroom; Finished basement completewith Rec room, wet bar (with winestorage, under counter refrigerator& dishwasher), Theatre room, halfbath; bedroom 5 (with private fullbath & walk-in closet) & storageroom. Other special featuresinclude: 3 car attached garage;Brazilian Cherry wood floors;Arched doorways; Mud room andmuch, much more!!

145 SOUTHMOOR DRIVE $1,895,000 CRESTMOOR PARK Feeling a Draft?If you can see daylightthrough the edges of yourdoors, that means they leak— which can be both cost-ly and uncomfortable. Anew storm door will solvethe problem and probablypay for itself in a few sea-sons in terms of heat sav-ings. If you want to go theless-expensive route, youcan purchase an inexpen-sive insulation kit for doorsthat has foam, magnets orfleece to seal the edges andweather stripping to putalong the bottom.

GatherHazardousWaste for FreePick-upIf you live in Denver, getyour neighbors togetherand pool your auto batter-ies and fluids, oil-basedpaint, garden chemicals,toxic liquids, etc., then callthe Household HazardousWaste Hotline at 1-800-449-7587. They’ll pick up25 pounds or more of hazardous materials once ayear per household for free.For details on the program,visit www.denvergov.org/recycle and click on “Schedule an HHW Pick-up”

Timeless Style

Winter 2007 7

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8 KELLI LANPHERE . TheDenverTeam.com . 303-322-2210

Unlike balmy spring days when the light is get-ting longer and lawns are getting greener, winterbrings bare trees, brown lawns (or dirty snow banks)and a dearth of sunlight. All in all, listing a homeduring the winter months calls for creativity and abit more effort than prime selling season.

On the bright side, sellers typically have lesscompetition during the winter from other sellers,and buyers may be highly motivated if they’re outbraving the elements to look for a home.

If you can’t wait until spring to put out a “ForSale” sign, here are some suggestions for makingyour home more appealing to buyers during thewinter season.

1. Banish snow and ice. If buyers can't get toyour home without risking life and limb, it simplywon't sell. Keep your walkways and driveways free ofthe frozen stuff so your home looks like it's beingmaintained. If you are frequently out of town, con-sider hiring a service to regularly plow the drivewayand shovel the sidewalks.

2. Set timers inside and out. Put your indoorand outdoor lights on automatic timers so yourhome looks bright and welcoming when prospectivebuyers drive past, even if you’re not there. Make sureyour outside lighting around the front door looksparticularly inviting.

3. Watch for wet feet. Consider asking buyersto either remove their shoes or slip on paper“booties” over their footwear before touring thehouse. This not only shows pride of ownership onyour part, but also protects your newly cleaned car-pets and floors.

4. Think warm and cozy. Adjust your thermo-stat to a warm, welcoming temperature before show-ings. While it may be tempting to turn the heatdown to save on energy costs, buyers who come inand aren’t comfortable won’t linger. Gas fireplacescan be turned on to add a little ambiance, but don’tleave a wood-burning fireplace going without super-vision.

SavvSelling a home during the long, cold days ofwinter always presents a challenge, and thisyear’s never-ending series of snowstorms hasmade it even more difficult than normal forsellers to showcase their homes and buyersto navigate the city to view them.

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Winter 2007 9

5. Wash your windows. Windows can be eas-ily overlooked by sellers when preparing a home, butwinter’s strong southern light can reveal grime andmake it look like the home hasn't been well main-tained.

6. Make the most of natural light.Encourage showings during high-daylight hours,and have your curtains and blinds cleaned andopened as wide as possible. Dust lamps and shades,and use the highest wattage bulbs your lamps willsafely accommodate. If you must show your homeafter dark, turn on all the lights.

7. Go for the festive feel. Greet buyers as ifyou’re expecting them as guests at a very specialparty. Set the dining room table for a lovely dinnerwith friends, and have a plate of cookies and warmcider waiting.

8. Play soft background music. To create asoothing atmosphere, tune the radio to a classicalmusic station so it can be heard quietly in the back-ground. Buyers may stay around to look a littlelonger.

9. Give the home a nice aroma. Buyers lovethe scent of chocolate-chip cookies, cinnamon rolls,freshly baked bread or apple pie, but too much scent(from air fresheners in every room, for example) canmake buyers question what you’re trying to hide. Ifpet odors are a concern, air out your home andreplace drapes, carpets or rugs before showing it.

10. Focus on the comfort factor. Helpprospective buyers envision themselves living happi-ly in your house by setting an inviting scene. Puttinga warm throw on the sofa or folding back the thickcomforter on the bed can help people feel like they’reat home.

Of course, every successful home sale alsodepends on appropriate pricing and professionalmarketing…at any time of year. Please give us a callfor expert advice and assistance in helping yourhome make its very best showing this winter, spring,summer or fall.

Tips for Selling Your Home This Winter

10 KELLI LANPHERE . TheDenverTeam.com . 303-322-2210

Cherry Creek Featured Homes395 MONROE STREET $2,250,000 CHERRY CREEKStreet-

SweepingReminderAlthough it seems like forever, street-sweepingseason is only halfway over(it runs throughNovember). If you’re aDenver resident, you canhelp ensure crews get aclean sweep of your street— and avoid a ticket — bynot parking on the streetbetween the hours of 8a.m. and 5 p.m. on yourspecified sweeping day(posted on the red-and-white sign on yourblock.) To help youremember your street-sweeping day, DenverParking Management willprovide you with reminderstickers for your calendaror day planner. Call andrequest yours at (720) 913-1720.

WWOW - Location, Location, Location! Sensational design with stunning finishes and timeless style combine to cre-ate a rare "one-of-a-kind" masterpiece. Boasting a quiet, peaceful setting (mere blocks to - but away from - the "hus-tle & bustle" of prestigious Cherry Creek North), this breathtaking home provides the Perfect Retreat! Special fea-tures include: Fabulous floorplan with dramatic and spacious (yet warm and comfortable) rooms throughout; Grandtwo-story Foyer with striking wrought iron & brass split staircase; Beautiful Formal Living room with Gas fireplaceopening to a serene courtyard; Elegant Formal Dining room with coved ceilings; Amazing Gourmet Kitchen (withJenn-Air, Asko, Subzero & Thermador appliances, slab granite, large center island, breakfast bar and breakfast nook)opening to a private back patio and adjacent to a warm and welcoming Family Room (boasting gorgeous built-is,custom Media area and gas fireplace with granite surround); Magnificent main floor Study with built-in book cases& gas fireplace; Luxurious Master Suite (with vaulted ceilings, gas fireplace, coffee bar, huge custom walk-in closet& luxury 5 piece bath); Cozy 2nd floor retreat/library; Gorgeous Secondary Bedroom Suite with private Balcony;Convenient 2nd floor laundry room; Incredible Finished basement (with 10 foot ceilings, Guest Suite, Rec. Room,

Workout room with Full Bath ( including SteamShower); Custom Wine cellar and Storage/mechanicalroom); Extensive Cherry woodwork; Intricate mold-ings; Gorgeous built-ins; Secluded outdoor spaces (with6' brick walls and extensive landscaping); Plantationshutters; Attached 3 car garage and much, much more!

Featured Homes Hilltop

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Winter 2007 11

Excellent opportunity to buy an entry level home/lot in Hilltop! Priced primarily at land value, this property offerslots of possibilities ... "scrape" and build new custom home, move-in and enjoy as-is or "update" to personal taste!Special features include: Large living room with plenty of light; Dining room; Kitchen with all appliances, lots ofcabinet and counter space and a large breakfast nook with a built in desk area and view of the backyard; Master bed-room; 2 secondary bedrooms; 4 piece vintage bath; Basement boasting a nice size family room (currently being usedas a bedroom), 4th bedroom, _ bath and laundry room; Large covered patio and generous size back yard. Other special features include: Wood floors; Fabulous block (surrounded by multi-million dollar estates) and much, much more!

369 ELM STREET $515,000 HILLTOP Women AreHead Honchosof HeatWomen get the last wordwhen it comes to control-ling the thermostat,according to a poll byServiceMagic.com inGolden. Of 1,500 con-sumers polled nationwide,40 percent said the mancontrols the temperature,55 percent said it’s thewoman, and pets get moreconsideration than chil-dren in terms of housetemperature.

2007 Free Days at Denver Botanic GardensMonday, February 19Saturday, March 24Sunday, April 22Monday, May 21Monday, June 18Monday, July 16Monday, August 13Monday, September 17Monday, October 22

2007 Free Days at Denver ZooThursday, February 1 Wednesday, February 14 Tuesday, October 9 Saturday, October 20 Sunday, November 4 Sunday, November 11

2007 Free Days at DenverMuseum of Nature & ScienceSunday, February 11Sunday, April 22Wednesday, June 6Wednesday, July 25Sunday, September 9Wednesday, October 10Sunday, December 2

12 KELLI LANPHERE . TheDenverTeam.com . 303-322-2210

Mayfair/Lowry Featured Homes908 SYRACUSE STREET $739,000 LOWRY

LLight and bright, yet modern and comfortable, this fabulous home provides the perfect retreat! Special featuresinclude: Convenient main floor study with French door entrance; Gorgeous formal dining room; Gourmet kitchenwill stainless appliances, slab granite, breakfast bar, center island with cooktop and a large breakfast nook; Spaciousfamily room (open to the kitchen) boasting a flat screenTV (with wall mount bracket), gas fireplace, built-inentertainment area, display niches and great view of thebackyard; Half bath with pedestal sink; Wonderful Mastersuite with double door entry, dual walk-in closets, sittingarea and a luxury 5 piece bath; Bedroom 2 with a privatefull bath; Bedrooms 3 & 4, 4 piece bath; Large, open base-ment; Large brick paver patio (perfect for entertaining).Other special features include: Wood floors; Designerpaint; Ceiling fans, Main floor laundry; Attached 2 cargarage with alley access and much, much more

Completely renovated from top to bottom, this beautiful home provides awonderful opportunity to live on a great block in the heart of Mayfair!Special features include: Wonderful "Open" floorplan; Welcoming Doubledoor entry; Large "Great Room" with gas fireplace and French doors to largepatio & backyard; Dining room with bay window; Kitchen (with stainlessappliances, breakfast bar, slab granite, wine cooler, ice maker & 5 burner gascooktop); ½ bath; Beautiful Master suite with double door entry, walk-incloset + 2 additional closets, 5 piece luxury bath (with custom shower, jet-ted tub, granite counters & travertine tiles), 2 nice size secondary bedroomswith full bath; Study; Convenient upstairs laundry, Finished basement(complete with large Family room, Rec. room, ¾ bath & mechanical roomwith 2nd laundry). Other special features include: Professional landscaping,2 Car detached garage; Custom patio; Nice size yard with sprinkler system;New fence; Central A/C & much more!

906 FOREST STREET $625,000 MAYFAIR C

Street-SweepingReminderAlthough it seems like forever, street-sweepingseason is only halfway over(it runs throughNovember). If you’re aDenver resident, you canhelp ensure crews get aclean sweep of your street— and avoid a ticket — bynot parking on the streetbetween the hours of 8a.m. and 5 p.m. on yourspecified sweeping day(posted on the red-and-white sign on yourblock.) To help youremember your street-sweeping day, DenverParking Management willprovide you with reminderstickers for your calendaror day planner. Call andrequest yours at (720) 913-1720.

Winter 2007 13

Information provided by Carolyn Carnie, Vice President, CTX Mortgage, (303) 741-1241, email:carolyn.carnie@ctxmort.com

Financing rates and terms change daily-call for a quote. It is always a good suggestion, whenbuying a home, to call and get pre-qualified for that home. Carolyn offers this service free ofcharge and would like to talk with you about your home prospects and your loan options.

Many times people prefer not to sell their current home prior to closing on the purchase of a new home.In order to use the equity in your current home, you might want to consider the following:

The first and usually the easiest means of bridge financing, is a Home Equity Line of Credit or HELOC as it isknown in out industry. As long as you are qualified, and your home is not yet listed for sale, there is equity in theproperty that nearly every bank in the land will be more than happy to give you a HELOC with few or no clos-ing costs. This money can then be used as a down payment for your new home.

Most banks will charge a fee of $300 - $500 for an early payoff on the HELOC. This is a relative bargain com-pared to the high costs of a true bridge loan, saving you hundreds if not thousands of dollars. In fact, your realestate professional may advise you to obtain a HELOC prior to listing your residence for exactly that reason. Inaddition, the HELOC gives you, the seller, an ability to draw needed cash for such things as repairs to prepareyour property for marketing, earnest money on your new home and emergency cash for any other unforeseenneed.

This can be a winning strategy and one I would love to discuss with you. Whether you need to have a HELOCon your current home or the one you want to purchase, I will look at what makes the most financial sense foryour individual needs. If you, your family, co-workers or friends would like more information, please call me at 303-741-1241. I welcome the opportunity to speak with you and strategize for your future mortgage needs.

CTX Mortgage CompanyPositioning Yourself for a Cash Offer

By Carolyn Carnie

Cabin Fever Got YouDown ... How toBanish the WinterBlues

Between the post holiday letdown, cold weather, and midafternoon sunsets, you'reaching for a tropical beachsomewhere (or at least asunny day). Here are a fewways to break out of yourmidwinter rut.

Get moving. Drab weatherseems like a good excuse toabandon your workout rou-tine. But even simple exercis-es, like doing push-ups offyour kitchen counter or chairsquats during Grey'sAnatomy, release the endor-phins that reduce stress andhelp you feel happier. Withjust 20 minutes to exercise,you're going to feel a lot bet-ter and because exercise raisesyour body temperature, youmay actually find taking abrisk walk outside invigorat-ing instead of chilling.

Simplify your space. It'stoo early for spring cleaning,but sorting through piled-uppaperwork and donatingunwanted holiday gifts makeyour home feel airier.Getting organized lifts yourspirits by helping you feelcentered and more in controlof you life.

Bundle up and hunkerdown. The shorter colderdays of winter are nature'sway of getting us to unwind.So ease into the naturalrhythms of the season - andyour own body - by movingbedtime up an hour. Needhelp relaxing? Brew a mug ofhot chocolate of chamomiletea.

Embrace this time and enjoythe slower pace . continue tochange the things you can!

How Tidy Are Americans?34 percent of Americans admit to tidying up before the maid comes, and 38 percent think

Martha Stewart would be impressed by their housekeeping. On the other hand, 72 percent would prefer a romantic partner to a clean one.

(From a survey conducted in 2006 by USA Weekend and SC Johnson)

THROUGHOUT THE PAST YEAR

I HAVE BEEN EXPERIMENTING ON MY TRUSTING FRIENDS TO FIND THE PERFECT

BALANCE OF SPICES/MARINADES IN SEVERAL MAIN DISHES. BELOW ARE A FEW OF MY FAVORITES THAT I HOPE YOU ENJOY.

14 KELLI LANPHERE . TheDenverTeam.com . 303-322-2210

Paula Williams PA U L A’ S P L A C EF

ROAST LEMON/GARLIC CHICKEN

It is hard to make chicken special but this isan amazing way to have chicken be flavorful,moist and easy! Prepare this for a specialmeal (I made it for Christmas) or for thestandard once a week regular. – Serves 1 …OK 4

Preheat oven to 425 degrees

1 roasting chicken – (the larger the better, left-overs are great on a salad)3 lemons – 1/4 cut3 heads of garlic – cut in half (leave on exteri-or skin)Bunch of fresh thyme whole and on the stem2 tablespoons melted butter3 strips of bacon1 cup white wineKosher salt and pepper to taste

1) Wash chicken and discard the giblets ofteninside the, place the chicken on an elevatedgrate in roasting pan.

2) Salt-pepper inside of Chicken, stuff the cav-ity with thyme, 1 lemon and 2 garlic; tie legs

3) Baste Chicken with butter, salt and pepper;lay bacon over chicken; put remaining lemonand garlic in bottom of pan and bake for 1hour.

4) Remove bacon from the top of the chickenand add white wine to the bottom of the pan;bake for 30 more minutes to finish and brownchicken.

5) VERY IMPORTANT STEP-Remove andcover with foil for 10-15 minutes, this timeseals all the delicious juices into the meat!

6) Cut and serve … the bottom of the pan hasfabulous flavors if you want to deglaze and pre-pare a gravy … you won’t need it with thischicken it is so moist! Yum

GRILLED RACK OF LAMB

If you are a Lamb lover – and even if you aren’tthis is a true 100% fabulous every time Lambmarinade I always look forward to. Serves 4

2 Frenched racks of lamb (“Frenched” is a termused to describe a rack that has been trimmedto expose the rib bones)

Marinade Ingredients:4 tablespoons extra virgin olive oil2 tablespoons Dijon Mustard1 tablespoon Soy sauce2 tablespoons fresh lemon juice

1 tablespoon fresh thyme de-stemmed andchopped2 tablespoons fresh rosemary de-stemmed andchopped2 cloves garlic minced_ teaspoon salt

1) The morning of dinner mix all of the mari-nade ingredients in a small bowl, be sure all theolive oil is thoroughly mixed with the remain-ing ingredients; Place the 2 rack of lamb in alarge zip lock baggie, I have found this to be amore effective way to marinade because it pro-vides you the ability to ensure the marinade iscovering all the meat, pour all of the marinadeinto the baggie and thoroughly cover all of thelamb.

2) 1 hour prior to grilling remove the lamb andset on counter. Meat that is prepared rareshould start at room temperature to avoidundercooking.

3) Fire-up the grill to medium-medium high(375-400 degrees if you have an external ther-mometer)

4) Remove the lamb from the marinade bagand place on platter, wrap bones tightly withfoil to prevent burning; Grill 8-10 minutesper side for a perfect medium rare 140 degrees.

5) VERY IMPORTANT – Remove from grillcover with foil and let rest for 10-15 minutes,this will seal in the juices and continue to cookanother ~ 5 degrees.

ASIA GRILLED HALIBUT

When Halibut is in season (out of seasonHalibut taste the same, the texture is not asfirm) I prepare this dish sometimes twice aweek. If you haven’t cook any Asian meals, thefirst trip to the grocery store (Safeway by I25and the Lowry Albertsons have the best selec-tion) will seem overwhelming, trust me, onceyou try this you will venture out with these sta-ple Asian ingredients on many dishes and saladdressings. Serves 4

2 pounds fresh halibut filetMarinade Ingredients:1 tablespoon lemon zest1/3 cup freshly squeezed lemon juice1/4 cup dry white wine3 tablespoons cooking oil2 tablespoons soy sauce

1 tablespoon oyster sauce1/2 teaspoon Asian chili sauce3 scallions – minced1 tablespoon finely minced ginger2 cloves finely minced garlic

1) Combine all marinade ingredients (this canbe done up to 8 hours before beginning finalsteps

2) Fire up the grill to a medium heat (350degrees if you have an external thermometer)

3) Spoon marinade over Halibut 10 minutesprior to grilling, any longer and the lemonjuice will begin breaking down the fish firm-ness

4) Brush grill with oil to prevent sticking, cook10-12 minutes without turning; turn up theheat on the grill to high for 3 minutes tobrown the top. Remove from grill, prior toserving separate the fish from the skin.

All cereal grains-like wheat, riceor oats- are real-ly seeds. Each ismade up ofthree parts: thebran, or outer"shell"; thegerm, which is

the nutrient-rich embryo of the plant, in themiddle of the grain; and the endosperm (thestarchy food supply surrounding the germ).Refined grains are milled to remove the branand the germ, producing, for instance, whiteflour, whereas whole grains are left intact. Youcan boil them, steam them, or grind them intoflour for breads or pastas. As long as a grain'sthree natural components remain in their orig-inal proportions, the product is defined as"whole grain".

WholeGrainsDefined

Winter 2007 15

4101 E. 2nd5335 E. 2nd4001 E. 3rd7111 E. 4th7015 E. 5th5030 E. 6th4005 E. 6th7544 E. 7th6375 E. 6th7861 E. 8th*7703 E. 8th Pl.7777 E. 23rd #9057405 E. 9th Ave*327 Albion7821 E. Archer Pl.7842 E. Archer Pl.*34 Ash369 Ash*5635 E. Bayaud374 Bellaire730 Bellaire265 S. Birch4500 E. Cedar*28 CrestmoorDr.314 Cherry*366 Cherry*675 Cherry111 S. Cherry230 S. Cherry5018 Ch. Creek S. Dr.338 Clayton #5 (2x)2448 S. Clayton96 S. Clermont130 S. Clermont270 S. Clermont30 Colorado Blvd1 Dahlia*309 Dahlia51 S. Dahlia*239 S. Dahlia255 S. Dahlia250 S. Dahlia*343 Dexter401 Dexter265 Dexter1369 Downing #33745 E. Ellsworth #A7800 E. Ellsworth100 S. Elm*141 Elm235 Elm265 Elm210 Elm300 Elm309 Elm378 Elm444 Elm100 S. Elm262 S. Elm328 Eudora245 Eudora333 Eudora345 Eudora371 Eudora374 Eudora380 Eudora385 Eudora650 Eudora*422 Fairfax8104 E. Fairmount Dr.*8118 E. Fairmount Dr.*529 Fillmore*300 Forest301 Forest321 Forest720 Forest727 Forest35 S. Forest70 S. Forest2 Garfield #B281 Garfield*334 Garfield*180 Glencoe*230 Glencoe246 Glencoe347 Glencoe380 Glencoe*1350 Glencoe151 S. Glencoe161 S. Glencoe250 S. Glencoe351 S. Glencoe375 S. Glencoe

590 Glencoe500 Glencoe245 Grape*300 Grape322 Grape350 Grape401 Grape510 Grape520 Grape111 S. Hudson150 Hudson271 Hudson350 Hudson352 Hudson356 Hudson358 Hudson366 Hudson390 Hudson414 Hudson*420 Hudson421 Hudson347 Holly351 Holly355 Holly359 Holly380 Holly400 Holly287 S. Holly309 Ivanhoe*5 Ivy130 S. Ivy245 Ivy745 Ivy152 S. Ivy160 S. Ivy620 Ivy453 Jackson*155 S. Jackson #E*205 S. Jackson*2 Jasmine27 Jasmine125 Jasmine231 S. Jasmine275 Jasmine20 Jersey60 Jersey155 S. Jersey254 S. Jersey266 S. Jersey115 Krameria125 Krameria435 Krameria215 S. Krameria400 Krameria405 Krameria265 Kearney450 Kearney21 S. Kearney200 S. Kearney215 S. Kearney265 S. Kearney305 Leyden452 Leyden714 Leyden830 Leyden231 S. Leyden225 Locust Lane250 Locust40 Madison #206291 Magnolia425 Monaco525 Monaco701 Monaco515 Monroe224 Newport*300 Oneida495 Oneida210 S. Oneida184 S. Pontiac44 Quebec156 S. Rosemary*7826 Severn Pl.*440 Steele*917 Syracuse*957 Syracuse*49 S. Syracuse (2x)1029 Syracuse Court25 Southmoor184 S. Ulster*

The asterisked (*) properties were listed by other companies"

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