realestate guide

Saturday Reporter-Herald D ecember 11, 2010 E1

• •

Real EstateMatters

www.homeandrealtyguide.com Saturday, December 11, 2010 Reporter-Herald

930 Harrison Ave.

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Property ofthe Week

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Inside this week’s Home & Real Estate

� See Glink /Page E3

Featur edHome Plan

Snowberry isa Cape Cod-style beach

cottage

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Front RangeGar dening

Carol O’Meara ongiving the gift of

knowledge to yourfavorite gardener

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Jobs andreal estate

tethered, forbetter orworse

ILY C E GLINKTRIBUNE MEDIA SE RV I C E S

When President Obama re-cently proposed a two-yearfederal employee pay

freeze, you could almost feel the realestate industry shudder.

That’s because jobs and real estatecontinue to be tethered together. Ifsalaries are frozen, or if more Ameri-cans’ annual income doesn’t keeppace with inflation, it might makethem nervous about their future joband income prospects.

And Realtors know that if youaren’t confident about your futurejob and income prospects, it’s un-likely you’ll want to purchase ahome. (In a recent speech to thebusiness community, Federal Re-serve Chairman Ben Bernanke ac-knowledged that continued high un-employment is increasing economicu n c e r t a i n t y. )

The salary freeze prospect also hasan impact on housing prices. Whenfamily incomes are flat, it’s very diffi-cult for local home values to appre-ciate. That’s because lenders tradi-tionally allowed borrowers to pur-chase homes that cost 2 to 2.5 timesfamily income. In years where the30-year mortgage interest rate fellto 6 percent or below and lenderswere more flexible in what they werewilling to do for borrowers, thatlending ratio might be stretched to3 or 3.5 times family income.

What happened during the hous-ing boom is that lenders developedcreative financing techniques, whichstretched tried-and-true lending ra-tios — with disastrous results. Homebuyers who earned $50,000 per yearbought $500,000 homes with noth-ing down.

In areas like Nevada, Arizona,South Florida and Southern Califor-nia, where more home buyersstretched affordability with exoticloans, home prices have fallen fasterand farther.

But as the unemployment rate re-mains near 10 percent (officially,and near 20 percent if you countthose underemployed), it’s easy toconnect areas that have high levelsof unemployment with those thathave high levels of mortgage delin-quency and foreclosure.

“The most rapid increases in mort-gage delinquency occurred in metroareas where home prices are muchhigher than local incomes can af-f o rd ” observed Tom Kingsley, seniorfellow at the Urban Institute.

According to Foreclosure-Response.org, a website that pro-vides local and national foreclosuredata, as well as information on poli-cies aimed at preventing foreclosureand stabilizing neighborhoods, Flori-da and Las Vegas have seriously high

Visit Northern Colorado’s best kept secret

Homes ready formove-in before the

New Year, orcustomize your own

for June 2011

Photos courtesy of Oakwood Homes

PAID AD V E RT O R I A L

Even though you cansee the communityfrom I-25 just

south of Hwy 34, Thomp-son River Ranch remainsNorthern Colorado’s bestkept secret – being one ofthe fastest growing com-munities. Oakwood hashomes ready for immedi-ate move-in or start build-ing your own customizedhome today and be in byJune 2011 – just in timefor summer. The afford-able pricing and well-maintained communityprove to be the best valuein the area with nearly 80sales this year. OakwoodHomes takes pride in itscommunities, being aColorado hometownbuilder for 20 years, andthe dedication shows. Ifyou haven’t seen Thomp-son River Ranch yet, stopby this week and speakwith Oakwood’s newhome counselors to see ifit’s a perfect fit for you.

If you’re a homebuyer

looking to be in for theNew Year, OakwoodHomes has quick move-inhomes available for everytype of family, be it a firststarter home or some-thing for a larger, growingfamily. Homes ready im-mediately start in the low$200s with payments at$1,400 per month. Whynot own your home in-stead of renting it whenyour payments are com-parable? Oakwood’s lowpayments give most peo-ple currently renting thechoice to break away andbecome homeowners forthe same amount theyhave been paying eachmonth to rent. They aimto be the smart choice forhomebuyers – making ev-erything simple and easyon each family.

Homebuyers received abreak in November whenOakwood Homes extend-ed their Dream Loan pro-motion, but that won’thappen this month. De-cember 15th is the lastday the promotion will beavailable; so if you were

looking for some morehelp in your monthly pay-ments, you should checkwith one of their salescounselors as to howmuch it could help you ina new home. It works forquick move-in homes aswell as customized build-ing, so you can take ad-vantage of it either way.

For those that don’tneed to be moved in rightaway, building your ownhome from the ground upis the option of choice formost Oakwood homebuy-ers. Homes as low as$999 per month with theability to personalize eachaspect of your new homemake Thompson RiverRanch a popular choicewith homebuyers. Speakwith a new home coun-selor to see how you canstart your home today –

Oakwood wants yourhome to be exactly howyou want it and puts allthe choices in yourhands. Maybe you’re look-ing at a two-story home…prefer stone exterior? Noproblem. Need a 4th bed-room? Switch that bonusroom into a bedroom andyou got it. Want morespace for the kids? Finishthe basement and you’reset. Take a look at Oak-wood’s floorplan cus-tomizer online to seechoices available to youin every home.

Concerned if homeown-ership is really for you orif you’d be qualified?Don’t worry; buying ahome can be a dauntingprocess for anyone whichis why Oakwood Homeshas their Home BuyersClub to help. It is a com-

pletely free service withno requirement to pur-chase; they will helpguide you through any is-sues from bankruptciesor foreclosures, to build-ing or repairing credit, toreducing debt. Oak-wood’s sales counselorscan help you schedule anappointment with thespecialists at Home Buy-ers Club.

Stop by to find outmore about Oakwood’squick move-in homes orhow to get started build-ing your own home today.Contact Mike Welty at970-663-6428 with anyquestions. You can tourThompson River Ranchthis weekend from 10-6p.m. Visit www.OakwoodHomesCO.com for addi-tional information.


Mortgage rate update

30-year fixed

15-year fixed

5/1 ARM

This week Last week Tre n d

4.71%

4.07%

3.46%

4.87%

4.24%

3.53%

Regional Snapshot for Loveland/Berthoud Residential

Au g u s t September October

Active Listings 1,054 1,027 969Previous Year Active Listings 1,074 1,031 963

Sold Listings 102 114 105

Median Sales Price $192,000 $196,000 $211,000Previous Year Median $222,500 $187,500 $201,500

Average Days on the Market 113 133 121Previous Year ADOM 125 126 127

Year to Date Listings Sold 941 1,055 1,160Previous Year YTD Listing Sold 887 984 1,110

Monthly Volume $25,128,272 $29,834,886 $27,400,541Previous Year Monthly Volume $32,956,535 $22,669,842 $32,560,029

Home & Real Estate isproduced every Saturday

by the Loveland DailyReporter-Herald.

EDITORIAL INFORMATION635-3656

DISPLAY ADVERTISING669-5050

CLASSIFIED ADVERTISING635-3650

For home and real estateadvice, features and

information, visitwww.homeandrealtyguide .com

H& Real Estate TransactionsRE

Real Estate Transac-tions are supplied byProspects UnlimitedInc., 1151 Eagle DriveNo. 467, Loveland,CO 80537, 667-1537.

L oveland• Kevin & Alice

Hill from JeffreyBerg, 2420 AbeytaCt, Loveland,$177,000, home

• Matthew &Tiffani Sanfordfrom Allen Gabris,306 W 45th St,L oveland,$179,000, home

• Jeffrey & KariBerg from AliceHill, 2210 JamesDr, Loveland,$262,000, home

• Food Countyfrom Lincoln RealEstate LLC, 2600 NLincoln Ave, Love-land, $900,000,home

• Bruce &

Rachael Koole fromShannon Mclaugh-lin, 5712 MossycupCt, Loveland,$190,000, home

• Blue LLC fromMile High Banks,303 S Saint LouisAve, Loveland,$148,500, home

• Patricia Leblancfrom MatthewAtkins, 834 E 5thSt, Loveland,$135,000, home

• Jerry & DanielWerner fromDeutsche Bank Na-tional Trust C,1044 Blue SpruceDr, Loveland,$174,900, home

• Justin Seareyfrom Fannie Mae,3097 Ivy Dr, Love-land, $232,900,home

• Rocky Groufrom Fannie Mae,2754 N CountyRoad 29, Loveland,

$170,100, home• Stanley Wright

from John Nettle-ship, 2521 MaryBeth Dr, Loveland,$218,500, home

• Daniel Oster-miller from OakValley Homes LLC,315 Carina Cir Unit101, Loveland,$184,700, condo

• Lisa & AnnieLin from AubreyThompson, 1869Grays Peak Dr Unit203, Loveland,$134,000, condo

• Richard &Shawn Dowlingfrom Fannie Mae,4924 W EisenhowerBlvd, Loveland,$126,000, home

• Lila May fromFederal Home LnMortgage Corp,4267 Peach TreeCt, Loveland,$158,000, home

• Robert & Vir-

ginia Angelovicfrom GaryKuhlmann, 1315Audubon Pl, Love-land, $180,000,home

• Travis & JanaRowland from Love-land Midtown De-velopment I, 1803E 11th St, Love-land, $207,900,home

• William Grubbfrom Mcwethy Fam-ily Trust, 6 GreggDr, Loveland,$201,500, home

• Amarylis Lugofrom David Wenig,4049 Trinidad Dr,L oveland,$188,000, home

Berthoud• Kenneth &

Pamela Ennekingfrom Federal HomeLn Mortgage Corp,2716 Lake HollowRd, Berthoud,

$189,900, home• Virginia Rifkin

from Arron Hock-ing, 3850 ArleighDr, Berthoud,$349,000, home

• Mark & DebraHeller from MichaelPeterson, 87 SiouxDr, Berthoud,$243,000, home

Estes Park• Daniel &

Sharon Shann fromJames Blackburn,1820 Ranch Cir,Estes Park,$315,000, home

• Kent Bensonfrom Joseph Ger-ard, 519 SaintVrain Ln Unit I,Estes Park,$162,000, condo

• Ronald & MaryStevens from RodMorten, 1360Raven Cir Unit E,Estes Park,$248,000, condo

• Steven & Cyn-thia Deats fromDonna Kelso, 1400Cedar Ln, EstesPark, $175,000,home

• Kingswood Incfrom Robert Par-rish, 520 Promonto-ry Dr, Estes Park,$125,000, home

• Garth &Catherine Lewisfrom Randolf Repo-la, 1020 Scott Ave,Estes Park,$383,000, home

• Karen & ManuelFuentes from Stan-ley Avenue Condo-miniums Ll, 450Stanley Ave Unit B,Estes Park,$176,000, condo

Johnstown• Travis Henning

from OakwoodHomes LLC, 3825Arrowwood Ln,Johnstown,

$201,900, home• Kara Dietz from

Oakwood HomesLLC, 3831 Arrow-wood Ln, John-stown, $194,100,home

Windsor• Adolph &

Sharon Duran fromAnastasios BetterBuilding Co, 6584Royal CountryDown Dr, Windsor,$286,100, home

• Daniel Piszczekfrom MountainHigh HomeBuilders In, 8473Cherry Blossom Dr,Windsor, $376,200,home

• Andrew & JillJohnson fromWestmark HomesLLC, 6502 RoyalCountry Down Dr,Windsor, $336,800,home

Open Houses This Weekend - www.thegroupinc.com

SATURDAY 1:00 - 3:00 FRI 1:00 - 3:00 SAT 10:00 - 12:00428 Newman Circle, Longmont - Charming 3 bedrooms ranch features formal living/dining & large family room. Kitchen with newer range/oven, sink, hood & disposal. Covered pa�o & screened-in for your enjoyment. Blue Ribbon Home Warranty!

3412 Apple Avenue, Loveland - Doors, windows, roof, furnace, A/C have all been replaced. You will be impressed! Large fenced yard with fantas�c covered pa�o, pond, garden area, hot tub and 2 sheds for storage PLUS RV parking. Ideal loca�on! Close to Benson Sculpture Park and schools.

SUNDAY 1:00 - 3:00190 Carina Circle #101, Loveland - Loveland-Be�er than new townhome in desirable Stone Creek. Former model with stylish colors and finishes. Finished bsmt with media room, bedroom and full bath. All appliances stay. Close to everything with pool, hot tub and clubhouse.

THURSDAY - SUNDAY 1:00 - 4:00

SATURDAY/SUNDAY 11:00 - 2:00

610 Moonglow Drive, Windsor - NEW HOMES star�ng in $190,000s! 3bd/3ba 2670 sq. �. Personalize your home from framing to finish, pick your own fixtures and upgrades! DIRECTIONS: Co Rd 392 east of Windsor, (N) on 257, (W) on Saratoga, on Moonglow to Sales Center. Sales trailer on the SW corner of Moonglow and Saratoga.

1102 Woods Landing Drive, Fort Collins - Sprawling ranch with 5 LARGE beds, 3 baths, on .5 acres. Stamped concrete, water feature, shed, walk ways, sprinklers, drip system, & fenced yard. Gourmet kitchen. Large laundry room, main floor office w/French doors, professionally finished basement. Call John Simmons 481-1250 or Jesse Laner 672-7212.

Call Kelli Couch310-8804

Call Jesse Laner672-7212

$220,000MLS#643941

$609,000MLS#643343

Call Jennifer Carpenter231-1407

$162,500MLS#636679

Call Kelli Couch310-8804

$205,000MLS#639299

Call Becky Vasos217-9874

$205,000MLS#643790

SUNDAY 1:00 - 3:00116 50th Avenue Court, Greeley - Cute fully remodeled ranch home. 3bds, 2bths. West facing with low maintenance vinyl siding & dbl pn vinyl windows. Oversized 2 car gar. New appliances included. Vaulted ceilings, new wood floors, new �le in baths & laundry, fenced yard, sprinklers, Master with full bth & his & her closets. Must see!

Call Mike Smith518-0645

$154,900MLS#643151

SUNDAY 12:00 - 2:00875 Ouray Drive, Loveland - 4+ bd, 2 bath ranch w/ beau�ful hard-wood floors in living area, marble �le in kitchen, double pane vinyl windows, sky-lights, moon tubes and cathedral ceilings. Hot-tub & shed included. Lots of RV space & heated garage w/ an engine hoist already built in,perfect for the hobbyist. Home is Energy Rated!

Call Rhonda Heth566-3516

$175,000MLS#643753

SATURDAY 1:00 - 3:002914 Sunstone Drive, Fort Collins - Beau�fully kept 2 story home with finished basement. Wood floors in kitchen, dining and entry areas, updated kitchen appliances. The basement features include 4th bedroom, 3/4 bath, spacious family room w/automated theatre screen & home theatre system.

Call Cindy Kurtz962-6832

$285,000MLS#643299

SATURDAY 1:00 - 3:004174 Indepedence Drive, Loveland - Terrific ranch plan offers approx 1890 fin sf plus unfinished bsmt w/9’ ceilings. 2 bdrms plus den, 2 baths, 4 car tandem gar! Open floor plan w/drama�c high ceilings. Spacious kitchen w/large island, hardwood flrs, 42 kitchen cabinets, gas fireplace. All appliances included! Front & backyard landscape.

Call Dianne Breneman222-8549

$305,752MLS#642275

SATURDAY/SUNDAY 12:00 - 3:0010818 Cimarron Street Units, Firestone - MAINTENANCE FREE LUXURY LIVING. Only 4 units le�. 2 beds, 2 baths, 2 car garages. 1200-1600 square foot homes. Main level units and 2 story units available. Many luxury features and in a prime loca�on. Come visit us. Call John Simmons 481-1250 or Rhonda Heth 556-3516.

Call John Simmons481-1250

$179,500MLS#629251

SATURDAY/SUNDAY 12:00 - 3:001849 Chesapeake Circle A,B,C, Johnstown - 3 units completed & 1 under construc�on. Maintenance free townhomes w/open floor plans. Features many upgrades: central A/C, fireplace, �le entry, decora�ve light fixtures w/fans, walk out basements, breakfast bar & more. Call Tracy Wilson 567-0907 or John Simmons 481-1250.

Call John Simmons481-1250

$179,900MLS#642473

SATURDAY/SUNDAY 12:00 - 5:007405 Pimlico Drive, Windsor - Brand new 3 bedroom, 3 bath, 2 car garage, hardwood floors, 8000 square foot open space lot, 2014 finished square feet. $ 287,000. Ask about our great builder incen�ves!

Call Kristen Specketer290-8097

$287,000MLS#640398

TUESDAY - SUNDAY 1:00 - 4:004635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model home at The Pa�os in Thompson Crossing. 6 ranch plans, 3 car gar op�ons, garden level lots, views, low HOA dues. Convenient loca�on, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low maintanence living at it’s best!

Call Val Schlageter217-3464

Priced From $329,000MLS#607818

NEW HOMES

PRICED FROM $160S - $170S

PRICED FROM $170S - $190S

SATURDAY/SUNDAY 12:00 - 5:007409 Pimlico Drive, Windsor - Grand Opening in Belmont Ridge! Beau�ful new decorated model and four single story and two-story plans from 1700 to 2500 finished sq. feet with lots from 8000 to 25,000 sq. feet. Star�ng in the mid- 200’s. Ask about our great builder incen�ves! Priced from $255k.

Call Carole Newberry443-4047

$308,500MLS#640496

GRAND OPENING!

AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE

Northern Colorado Real Estate SourceThe Real Estate Source is a magazine produced by The Group featuring

homes for sale and new home neighborhoods throughout Northern Colorado.��

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Real Estate Sourcew w w . t h e g r o u p i n c . c o m

50-3

1984

9


mortgage delinquency rates already, andthey’re rising.

Compare those states with North Dako-ta, which has one of the lowest unemploy-ment rates in the country. Just 1.8 per-cent of homeowners in the Bismark metroarea are delinquent on their mortgages.

The biggest question is whether 2011 isthe year when the lack of jobs coupledwith forced furloughs and declining in-come will finally overcome whatever sav-ings those families are using to pay theirbills.

“Serious delinquency rates are also ris-ing rapidly in metro areas within Col-orado, Washington and Utah, where delin-quency problems have been moderate sof a r, ” Kingsley noted.

If you lose your job, you’ll use everyavailable financial resource to avoid pay-ing bills late and then to stay out of fore-closure and bankruptcy. But when thoseresources run out, many homeowners willrun to bankruptcy court.

Bankruptcy filings are up 150 percent,as homeowners attempt to stave off fore-closure. The next wave could be the 2 mil-lion Americans who are classified as “long-term unemployed,” and whose last unem-ployment benefits check has just beenmailed out.

Congress doesn’t look like it’s passingan extension of unemployment benefitsbefore the winter holiday break. For manymortgage lenders, that political logjamcould mean a rising tide of foreclosures allthe way through the spring home buyingseason.

Question: We've been waiting to refi-nance because we felt like mortgage inter-est rates would go lower. But now it lookslike interest rates have bottomed out andso we've decided to move ahead.

But at the same time, the value of ourneighborhood appears to be falling. Withlocal home values having fallen so dramat-ically, it seems like we're right on the bor-derline of having 20 percent in equity. Infact, the amount we owe on our mortgagemight be more than 80 percent of thehome's value. It's borderline.

Do we risk paying $400 or so for an ap-praisal that might show us we can't refi-nance?

Also, everything I read says not to refi-nance if you're going to move within fiveyears. We might move within five years. Infact, we talk about moving all the time.But one quote I got from a mortgage bro-ker showed us that even with rolling theclosing costs into a new 25-year loan, we'dstill come out with a lower monthly pay-ment than what we have now.

So does that conventional wisdom stillapply? Is there something I'm missing or

should we just go ahead and refinanceeven if we move in a year?

Finally, where is the best place to shopfor loans? Should we go with a mortgagebroker or call around? I'm gettingnowhere with our current big box lender.

Answer: You've asked some excellentquestions that I am sure many of your fel-low homeowners are thinking about aswell. Let's start at the top.

While interest rates appear to have bot-tomed out, they could stay at these near-historic low levels for quite some time.(It's my feeling that when 30-year fixed-rate mortgages are available at 4.5 per-cent or less, it's a sign of how weak our na-tional and world economies are.)

But you're facing an even bigger prob-lem, which is falling home values. The lat-est figures seem to show that home valuesare again declining after rising slightlythis summer. If you're barely at 20 percentequity in your property today, dependingon where you live, it's possible that yourhome equity will shrink further before youcan close on your refinance.

That brings up another issue: If youdon't have at least 20 percent equity inyour home, you'll have to pay a higher in-terest rate for your loan or pay for privatemortgage insurance (PMI), which is ex-pensive these days, and that additionalcost could easily wipe out any savings youwould garner from refinancing.

Should you pay $400 for an appraisal?Probably not.

You're better off starting the refinanceprocess and having the lender order theappraisal. If you order an appraisal sepa-rately, there is no assurance that thelender you choose will arrive at the sameappraised value. The lender will not useyour appraisal, and you'll be out the mon-ey for the appraisal. If your bank sends outan appraiser and the property fails to ap-praise at a high enough price for you torefinance, you should make sure that youonly lose the cost of the appraisal if youdecide not to move forward with the refi-nance.

As for refinancing even if you're contem-plating a move, I think if you can savemoney from the get-go and pay off thecosts of refinance within a relatively shortperiod of time (say, six to eight months),there's no reason not to refinance.

Having said that, if you are paying clos-ing costs and those costs are rolled intothe amount you will owe on the mortgage,you may not be getting a great deal even ifyour monthly payment to the lender goesdown. If you sell within one year of refi-nancing, you'll have to repay all of thoseclosing costs. So, you need to make surethe savings on your monthly payment aresufficiently high to counter any closingcosts.

GLINKFrom Page E1

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50-3

1994

1

AS S O C I AT E D DESIGNS

In this Cape Cod-style beach cottage,the main floor is one flight up fromground level. A double garage with

plenty of storage space fills the Snowber-ry's lower level, along with a deep familyroom. Additional storage space is also lo-cated here, and the area is plumbed tosimplify the later inclusion of a wet barand compact bathroom.

The vaulted entry porch is a half flightup from the ground. Inside, at the top ofanother half flight, are three linked interi-or gathering spaces and one exterior. Thevaulted living room is open to the diningroom on the right,where glasssparkles acrossmost of the rearwall. The stunningtrio of windows inthe living roomhave the character-istic Craftsmangridded uppers. Asmaller transomwindow crowns thethreesome at thevault's apex. Widesliding glass doorsin the dining areaopen onto a partial-ly vaulted deck,which could bescreened.

An eatingcounter is all that

stands between the dining room andkitchen. Its location near the range makesit a breeze to serve up steaming soups andsnacks. Counters wrap around sections ofall four sides of the kitchen, and the as-sortment of cabinets on three of the sidesinclude a roomy pantry.

Rooms to the left of the Snowberry'sstairs are more private, though the dencould function as a shared space as well. Itcould also be a study, library, or home of-fice, if not needed as a third bedroom. Theowners' suite is vaulted and boasts a largebathroom with a walk-in closet. A pocketdoor seals the closet off from a bathroomwith a deep soaking tub. Another pocketdoor slides closed to offer toilet privacyand shower steam containment.

For more information, call (800) 634-0123, or visit www.AssociatedDesigns.com.

Plenty of windows inSnowberry beach

cottage


H& Real Estate BriefsRE

Infinity Group Realty ExpandsWith ERA Herman Group

Infinity Group Realty is pleased toannounce its merger with ERA Her-man Group Real Estate.

Police officer of 13 years Eric Sachsand auto mechanic Nathan Froelichwere an unlikely duo to open a real es-tate company in 2006. Nearly fiveyears later, Infinity Group Realty wasthe fastest growing locally owned realestate company in Fort Collins, with35 associates and a loyal, active clientbase. This month, the company gradu-ates to the next level by partneringwith ERA Herman Group Real Estate.The new, Fort Collins-based companyis called ERA Herman Group NorthernColorado and serves Larimer, Boulderand Weld counties.

“It’s undeniable that the real estatemarket has changed. Brokerage has tochange with it,” said Froelich, Manag-ing Broker and Co-Director of ERAHerman Group Northern Coloradowith Sachs. “We felt our agents de-served the systems and tools that wecouldn’t provide as a small indepen-dent company.”

Because ERA is part of Realogy, thelargest real estate conglomerate inthe world, its brokers are equippedwith the best resources available – in -

novative technology, full-time support,extensive marketing opportunities, in-house services and comprehensivetraining. As a result, its clients benefitfrom working with the most produc-tive, motivated agents in the business.

Froelich is quick to point out thatthe essence of the company hasn’tchanged with the merger. “This isgreat group of people – knowledge -able, community- and family-oriented,and very invested in the process ofteamwork,” he said. “Eric and I werelooking for a business model thatwould amplify the many talents of ouragents, and we found it in ERA Her-man Group.”

ERA Herman Group Northern Col-orado is a smarter community of asso-ciates that specializes in residentialand commercial real estate sales andREO property listings. With localknowledge and a global outlook, thecompany delivers value in every step ofthe home buying and selling process.ERA Herman Group Northern Col-orado is tomorrow’s real estate com-pany – grounded in collaboration andinspired by innovation. For more infor-mation, visit www.hermangroup.net orcall 970-224-9336.

Home & Realty Guide isproduced every Saturday by

the Loveland DailyReporter-Herald.

EDITOR, Jade Codyj c o d y @ re p o r t e r- h e r a l d . c o m

635-3656

REPORTER, Rhema Muncyr [email protected]

635-3684

DISPLAY ADVERTISING669-5050

CLASSIFIED ADVERTISING635-3650

LastWe e kTo d ay

This Week’s Rates

30-Year Fixed:

Tr e n d

15-Year Fixed:

5/1 ARM:

* Rates provided by Bankrate.com. All rates are subject to change.

*

5.14%

4.48%

3.88%

5.14%

4.38%

3.77%

no change

Pr i c e : $161,000Built in: 1951Square feet: 1,035Bedrooms: 2Bathrooms: 1

This updatedbungalow is lo-cated in the

heart of downtownnear Lake Loveland.It features a fully re-modeled kitchen,maple cabinetry,hardwood flooring, anopen dining and fam-ily room, a large mas-ter bedroom withdouble closets, a large patio, RV parking and an oversized detached two-car garage witha new roof. Check it out for yourself Saturday, Dec. 11 from Noon-2 p.m.

Contact: Sharianne Daily at 970-215-8844 or [email protected]

930 Harrison Ave., LovelandH& Property of the WeekRE

50-321541

Updated Bungalow in the Heart of Downtown Loveland, Remodeled kitchen SS appliances, maple cabinetry, hardwood fl oor, large master w/ double closets, oversize 2-car garage. MLS #638524 $161,000

930 Harrison Avenue, Loveland

OPEN SATURDAY NOON - 2 P.M.

Sharianne Daily (970) 215-8844RE/MAX Alliance [email protected]

Julie Stinson 970-622-1809RE/MAX Alliance 970-669-1234750 W. Eisenhower Blvd.Loveland, CO [email protected]

Stop by and take a look at this BRAND NEW LISTING! Ranch with 3 bed/1 bath and oversized 2-car garage. Central air, new hardwood fl oors, roof & ext. paint. Large fenced yard. $157,500 MLS #643336

604 S. Gilpin Ave., Loveland

OPEN HOUSE SUNDAY 12 - 2 PM

3 Bedroom 3 Bath, kitchen has granite countertops, tile fl ooring in kitchen and bathroom, enclosed back porch and extra outside storage. Well-kept home ready to view. MLS#642302 $128,000

2967 W 81st Ave L, Westminster

OPEN HOUSE SATURDAY 12-2PM

Marta LoachaminCentury 21 Humpal, [email protected]

Spectacular equestrian property, custom 2 story, 4/5 Bdrm home on 3.8 acres w/majestic mountain views. 3 stall, heated tack room, RV prkg w/hookups. MLS# 643768 $725,000

3714 Coyote Trail, Berthoud

OPEN HOUSE SATURDAY 11AM-2PM

Ursula Albers Century 21 Humpal, [email protected]

Kurt Albers Century 21 Humpal, [email protected]

OPEN Saturday 11AM-2PM. 2+ Acre Lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boat docks, fi shing and peace garden.

Warberg Farm at Chapman Reservoir

OPEN - SATURDAY 11AM-2PM

Move-in Ready Ranch on 3.1 Acres. Meticulous home w/formal LR & DR, Great Room, Amazing Master Suite w/ French Doors & Sitting Area. Lush Landscaping. Unf. Bsmt. 30’x64’ Shop/Barn w/ 1/2 BA & PlayRm.

4662 Meadowlark Dr-Windsor

OPEN HOUSE SUNDAY 1-4

Renee SalzaKeller Williams Northern Colorado(970) [email protected]

FEATURED PROPERTIES - UP TO $199,999FEATURED PROPERTIES - UP TO $199,999

$500,000 +$500,000 + LAND FOR SALELAND FOR SALEVisit our website at

homeandrealtyguide.com

Your online and print resource for residential, commercial

and land for sale

253

New Homes Priced in the Mid 200’s in Desirable Seven Lakes Area5 Piece Master Baths, Walk-in Closets, Air Conditioning, 3 Car Garages,

Unfi nished Basement, Lake Rights4 Ranch Plans and a 2 Story with Main Floor Master to choose from

E 29th St.

N. M

adis

on A

v.

US

287

E 37th St.

Seven Lakes Dr.

53-3

2188

6

D.E. BURNS CONSTRUCTIONQuality • Integrity • Experience • Reputation

970.669.8386

OPEN HOUSE SAT. & SUN. 1PM-4PM

3

NEW NORTHERNNEW NORTHERNCOLORADO HOMESCOLORADO HOMES

N

S

W E

Open Sun. 1-31435 Massadona Place,

Loveland, 80538 • $339,000Unique Homes with Quality you Deserve

Starting in the Mid 200’s

MeganWachtman

MeganW h

Open Floor Plan. 3.25 oak fl oors in Kitchen, dining and great room. 42 inch Knotty Hickory Cabinets. Full tile back splash. Granite in kitchen, master bathroom, 2nd bath and laundry

970-217-7977www.MeganWachtman.8z.comwww.COhomefi nder.com

50-319900

2

2

$$3,000 Buyer Credit3,000 Buyer Credit

970-456-46001/4 mi. So. of Hwy 34 on Boise Ave. - 1899 East 11th Street

www.newmidtownhomes.com

Homes priced from the

$140’s - $220’s

ModelsOpen Daily 10am-6pm

HWY 34

E 11TH ST

BOIS

E AV

E

DENV

ER A

VE

50-3

2195

4

$$174,900

174,900

$$188,900

188,900

2,406 SF 2 Bd, 2 Ba Ranch

2,072 SF 3 Bd, 2 Ba Ranch

1

1


DAW N KLINGNSMITHCTW FE AT U R E S

If you do not own a home, youmight as well buy one becauseyou’re already contributing to a

mortgage — your landlord’s.That’s one case for homeowner-

ship Seattle-based broker CarolynWarren makes on her website,mortgage-helper.com. Although it’seasy to understand the benefits ofowning a home — especially nowthat house prices and interest ratesare so low — the buying process isdaunting.

“I think everyone should have totake a little class so they know whatthey’re getting themselves into,”said mortgage banker Mary AnnMcGarry, adding that such classesare widely available free throughvarious organizations.

Here, we offer a sort of CliffsNotesstudy guide in homebuying, fromsetting a budget to signing on thedotted line.

KNOW YOUR CREDIT HISTORYAND SCORE

Check your credit report, resolveany inaccuracies and bone up onways to boost your score if neces-sary. A FICO score of 620 used tobe the benchmark for getting aloan, but lenders now may look forscores in the 740 to 760 range.

Track your fixed living expenses,discretionary expenses and miscel-

laneous purchases for 60 days to es-tablish a target monthly mortgagepayment based on your income rel-ative to your expenses. At the sametime, look into programs that offerdown payment assistance to first-time buyers.

On top of a down payment, a buy-er should have a “home expensefund” totaling 2 percent of the pro-jected purchase price. So if you’relooking at homes in the $200,000range, you should have $6,000squirreled away for the ongoingcosts of home ownership, includingupkeep, emergency repairs andhousehold purchases, such as alawn mower and window blinds, saidpersonal finance expert LynnetteKhalfani-Cox, Mountainside, N.J.,author or “Your First Home: TheSmart Way to Get It and Keep It”(Advantage World Press, 2008).

MAKE A PROPERTY WISH LIST

Decide on features you want, andthen prioritize them, suggests realestate broker Gea Elika of Elika As-sociates, New York, N.Y. For exam-ple, how close do you need to be topublic transportation, an express-way, an airport or a playground?How many bedrooms do you need?

GET A GOOD FAITH ESTIMATE

Request up to three Good FaithEstimates as a means of choosingyour loan officer. A GFE shows theloan amount, interest rate, monthlypayment and fees and costs. Warrenoffers the following sample script inher book, “Homebuyers Beware”(FT Press, 2009):

“I am in the market to buy ahouse. I’m looking in the $250,000price range and I have 10 percentto put down. My credit score is 805.Will you please e-mail a Good FaithEstimate so I can see what my loanwould look like?“

New rules on HUD-1 forms limithow much a lender can change fig-ures given in a Good Faith Esti-mate, so expect lenders to pull yourcredit before providing you with aGFE.

GET PRE-APPROVED AND GETHUNTING

Organize the documentation alender will need to pre-approve aloan, including bank statements,pay stubs, personal identificationand tax forms. Get pre-approved fora loan before you start house hunt-ing, and then select a buyer’s agent.“An agent can pre-screen homes foryou so you don’t waste time lookingat houses that don’t fit your re-quirements,” Khalfani-Cox said.

When house hunting, resist call-ing the agent on the for-sale sign.“When you go directly to a listingagent, you’re not fully protected,”said Sang Oh, of the Wall Street-based brokerage Platinum Proper-ties. “The listing agent’s position isto represent the seller and protecttheir interests by trying to get themthe highest price.”

Bring along a notepad and digitalcamera when visiting properties,Khalfani-Cox suggests. After look-ing at several homes, it’s difficult toremember which one had theViking oven range and which hadthe koi pond.

Your buyer’s agent will prepareand submit an offer when you findwhat you hope will be “Home Sweet

Home.” Once price and other de-tails have been negotiated, ask yourbuyer’s agent to forward a copy toyour loan officer, and lock in yourinterest rate.

GET INSPECTED

Get a home inspection even ifyou’re buying new construction.You will receive a detailed report ofany code violations and repairs thatmight need to be made, which willbe your basis for further negotia-tions, Warren said. You then willneed to pay for an appraisal report,which your loan officer will order.

At the closing, you will be pre-sented with a breakdown of yourloan costs called a HUD-1 state-ment, which Warren describes as“the final draft of the Good FaithEstimate.” You should compare thetwo because GFEs are “notoriouslyinaccurate,” Khalfani-Cox said.Yo u ’re entitled to request a copy ofthe HUD-1 statement 24 hours pri-or to the closing, and she recom-mends you do so because you’ll bemore likely to overlook errors and“junk fees” under pressure. Keep inmind, though, that certain discrep-ancies and add-ons, such as third-party fees, are inevitable.

The dos and don’ts of sizing up a prospective homeCTW FE AT U R E S

Sometimes when sizing up a house, peopleare so charmed by features or get so caughtup picturing themselves decorating and en-tertaining that they don’t notice flaws bothlarge and small, like a lack of closet space.Other times, they focus on things that don’tmatter in the grand scheme. To avoid buyer’sremorse, heed these do’s and don’ts.

DO

• “Visit the house at different times of day.Traffic, noise level and neighbor behavior mayvar y,” said real estate broker Diane Saatchi ofthe Corcoran Group, East Hampton, N.Y.

• Take a measuring tape to make sure yourfurniture and other items fit in the newspace.

• See to it that utility costs are verified and

adjusted for your use. For example, the sell-ers’ heating costs may be low because theystay down south all winter.

• Compromise, when necessary, on thingsthat can be switched out, updated or fixedmost easily. For example, if both a basementand a garage are on your wish list, “it’s bestto go with the basement, knowing a garagecan be added later,” Saatchi said.

• “Avoid buying homes in areas that areeconomically depressed, crime-ridden orpoorly situated. Think about the prospect ofselling the home down the road,” finance ex-pert Khalfani-Cox said. You might not bebothered living by train tracks or a busy road,but a poor location is a turnoff for prospec-tive buyers.

DON’T

• Be so concerned about resale that youforget your needs.

• Be seduced by trims and trappings;you’re not buying the dcor. “Don’t let emo-tions cause you to pay for what you will notbe getting. Sellers stage because buyers paymore for well-dressed homes,” Saatchi said.

• Quibble over little things like mis-matched switch plates — especially if it’s aploy to downplay your interest. Some sellers’agents say they love it when you fuss over de-tails because it means you are picturing your-self there, Khalfani-Cox said.

• Allow the home inspector’s report toshatter your confidence and resolve if no ma-jor defects turn up. The document will belong and detailed, including such minor flawsas a missing cabinet knob.

• Overlook the quality of the school dis-trict — even if you don’t have kids. “It’s oftena big selling point for a home,” said brokerElika, “so it’s a factor to consider, as it mayimpact your home’s resale value.”

G re a tExpectations

Buying a homedoesn’t have tobe hard —h e re ’s a guide tothe ins and outsof the process

To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050

For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifi eds” section of this publication. This guide is brought to you

by the Daily Reporter-Herald, local real estate agents and area builders.

WWW.HOMEANDREALTYGUIDE.COM•CLICK ON OPEN HOUSE MAPS

saturday sunday

50-320331

PRICE LOCATION ADDRESS HRS OFFICE PHONE

FROM THE $140’S NW LOVELAND 43RD & WILSON AVE. THE COTTAGES AT

ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 970-532-5900

140’S-220’S SE LOVELAND BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 ON N BOISE AVE., 1899 E. 11TH 10-6 MIDTOWN HOMES 970-456-4600

$169,900* NW LOVELAND 4403 ELLIOT PL 12-5 THE COTTAGE REALTY 970-532-5900

$170,000 BERTHOUD 10818 CIMARRON ST #204 12-3 THE GROUP INC 970-556-3516

$179,900 JOHNSTOWN/ MILLIKEN 1849 CHESAPEAKE CIRCLE A, B, C 12-3 THE GROUP INC 970-567-0907

$205,000 NW LOVELAND 3412 APPLE AVE 10-12 THE GROUP INC 970-217-9874

$205,000 BERTHOUD 428 NEWMAN CIRCLE 1-3 THE GROUP INC 970-310-8804

$220,000 WINDSOR 610 MOONGLOW DR 1-4 THE GROUP INC 970-310-8804

$232,000 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 970-532-5900

STARTING @ $250’S NE LOVELAND 1563 LA JARA ST/LAKES POINT 1-4 BURNS

CONSTRUCTION 970-669-8386

$279,900 FORT COLLINS 5457 WISHING WELL DRIVE 1-4 THE COTTAGE REALTY 970-227-3893

$285,000 FORT COLLINS 2914 SUNSTONE DR 1-3 THE GROUP INC 970-962-6232

$287,000 WINDSOR 7405 PIMLICO DR 12-5 THE GROUP INC 970-290-8097

$298,664 NW LOVELAND 4355 RIDGWAY DR 1-4 THE COTTAGE REALTY 970-532-5900

$305,752 NE LOVELAND 4174 INDEPENDENCE DR 1-3 THE GROUP INC 970-222-8549


$323,400 SW LOVELAND¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4 GLEN MARKETING TEAM, ERA 970-663-4522

$329,000 SE LOVELAND 4635 TARRAGON DR 1-4 THE GROUP INC 970-217-3464

$389,750 SW LOVELAND 975 PRISM CACTUS CIRCLE 12-4 GLEN MARKETING TEAM, ERA 970-663-4522

$609,000 FORT COLLINS 1102 WOODS LANDING DR 11-2 THE GROUP INC 970-672-7212

PRICE LOCATION ADDRESS HRS OFFICE PHONE

FROM THE $140’S NW LOVELAND 43RD & WILSON AVE. THE COTTAGES AT

ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 970-532-5900

140’S-220’S SE LOVELAND BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 ON N BOISE AVE., 1899 E. 11TH 10-6 MIDTOWN HOMES 970-456-4600

$154,900 GREELEY 116 50TH AVENUE CT 1-3 THE GROUP INC 970-518-0645

$157,500 SW LOVELAND 604 S GILPIN AVE 12-2 RE/MAX ALLIANCE 970-622-1809

$161,000 SW LOVELAND 930 HARRISON AVE 12-2 RE/MAX ALLIANCE 970-215-8844

$162,500 SE LOVELAND 190 CARINA CIRCLE #101 1-3 THE GROUP INC 970-231-1407

$169,900* NW LOVELAND 4403 ELLIOT PLACE 12-5 THE COTTAGE REALTY 970-532-5900

$170,000 BERTHOUD 10818 CIMARRON ST #204 12-3 THE GROUP INC 970-556-3516

$175,000 SW LOVELAND 875 OURAY DR 12-2 THE GROUP INC 970-566-3516

$179,900 JOHNSTOWN/ MILLIKEN 1849 CHESAPEAKE CIRCLE A, B, C 12-3 THE GROUP INC 970-567-0907

$220,000 WINDSOR 610 MOONGLOW DR 1-4 THE GROUP INC 970-310-8804

$232,000 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 970-532-5900

STARTING @ $250’S NE LOVELAND 1563 LA JARA ST/LAKES POINT 1-4 BURNS CONSTRUCTION970-669-8386

$279,900 FORT COLLINS 5457 WISHING WELL DRIVE 1-4 THE COTTAGE REALTY 970-227-3893


$298,664 NW LOVELAND 4355 RIDGWAY DR 1-4 THE COTTAGE REALTY 970-532-5900


$323,400 SW LOVELAND¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4 GLEN MARKETING TEAM, ERA 970-663-4522

$329,000 SE LOVELAND 4635 TARRAGON DR 1-4 THE GROUP INC 970-217-3464

$339,000 NW LOVELAND 1435 MASSADONA PLACE 1-3 8Z REAL ESTATE 970-217-7977

$389,750 SW LOVELAND 975 PRISM CACTUS CIRCLE 12-4 GLEN MARKETING TEAM, ERA 970-663-4522

$599,000 WINDSOR 4662 MEADOWLARK DR 1-4 KELLER WILLIAMS 970-231-5082

$609,000 FORT COLLINS 1102 WOODS LANDING DR 11-2 THE GROUP INC 970-672-7212


Carol O’Meara is withCSU Extension inBoulder County.Contact her at303-678-6238 orcomeara@co. b o u l d e r. c o . u s .

Front Range Gardening

H& Front Range GardeningRE

Expand your favorite gardener’s knowledge

Bring natureindoors for the

holidays

Tucking your garden in for the winter doesn’t have toput an end to enjoying the beauty of your landscape.Freshen up this holiday season with touches of na-

ture to enhance your home and spirit.Follow these five easy steps to bring nature inside your

home this holiday season:

1. SOOTHE THE SENSES: Make a special potpourri incor-porating some garden favorites and traditional ingredientsof the season. Look outdoors for items that stand out:pinecones, acorns, seed pods, dried flowers, small leaves,bits of evergreen. You can also look to the kitchen cabinetfor familiar scents and flavors of the holiday: cinnamonsticks, whole cloves, whole nutmeg, star anise, orangepeel, dried apple slices, cranberries and lemon peel.

Once the ingredients have been collected, be sure theyare dry. If necessary, bake at 150 degrees for five to sixhours to dry thoroughly (especially recommended foritems like apple slices, cranberries, orange and lemonpeels), or use a food dehydrator. Then, combine ingredi-ents together and add essential oils (available online, incraft stores and organic markets). Place in a glass bowl ora sachet to give a room or drawer a fresh new scent. Pack-age a cup of potpourri in a mesh bag to give as a gift, andtie with a colorful ribbon. You may also use your potpourriin a simmering pot by placing 1 cup potpourri in 1 cupwater in a small saucepan on the back burner of yourstove. Simmer for 20-30 minutes to fill your home withthe festive scents of the holidays.

2. PERK UP THOSE POTTED PLANTS: Give indoor plants aholiday makeover this year. Re-pot plants that are tired orroot-bound into festive, colored pots filled with pottingmix. Once potted, remember to water and use plant food.Bring the outside in this holiday and incorporate liveplants into your tablescape.

3. GIVE THE GIFT THAT KEEPS ON GROWING: Now thatyou’ve spruced up this holiday season with indoor plants,help others do the same. Plants improve indoor air qualityand can also lift spirits. A live plant can bring the warmthof nature to someone’s home for years to come. Festive fa-vorites for this time of year include: poinsettias, amaryllis,Christmas cactus, Norfolk pines and topiaries made ofherbs and ivy. Simply place these plants into a colorfulpot, basket, or gift bag and tie with a ribbon. If gifting alive plant to someone inexperienced with indoor plants,include simple care instructions on a gift tag along with acontainer of plant food.

4. DECK THE HALLS: Your garden may be in hibernationfor the winter, but it can still bring plenty of holiday joy.Evergreen boughs, magnolia leaves, poppy pods, dried hy-drangeas, acorns, pinecones and oak leaves are just a fewof the interesting things found in your garden that couldbe used to make a wreath or centerpiece. Start with afoam frame or base and layer on the different textureswhile paying attention to the varying colors. Paint someitems, such as leaves or pinecones, in gold or silver. Add agarland made of cranberries, popcorn and orange peel foradditional color. A live tree is another great way to bringnature inside for the holidays. Potted or balled evergreensare available at most nurseries this time of year in varyingsizes and shapes. Ask at the nursery for proper care in-structions so that it may be transplanted into the gardento increase greenscapes rather than adding to a landfill.

5. SPICE THINGS UP: Enhance holiday fare and start anherb garden on a warm, sunny window ledge. Grow freshrosemary and sage to perk up the holiday turkey. Givesprigs of flavorful herbs or bouquet of garnish to the food-ies in your life. Use twine to attach snips of rosemary,thyme, sage and bay leaves together for a flavorful combi-nation that is sure to seduce their senses.

2 BDRM, 1 BA, spaciousliving & dining, A/C closeto shops! 1707 CheyenneAve #7. R/D $550, H20,

Sewer & gas pd,Faith Property 970-377-1626

2 BDRM, 1 BA, lndry onsite. Great loc! 1654 16th St$625, wtr/swr/gas pd. N/PFaith Property 970-377-1626

2 BDRM, 1 BA corner aptavailable for MI 12/23!Quiet area overlookingpark, new carpet! ALLUTILITIES INCLUDED!Low Deposit, small pet ok.$665/mo, Call for details

970-669-1375

2 BDRM, 1 BA, bsmt apt,hkups, 1705 1/2 E 8th St,$725/mo Faith Property

970-377-1626

2 BDRM, 1 BA, $650/mo.WTR. PD! 2346 S Colorado,

Quiet. No smk/pets.970-218-0510

2 bdrm 1 ba, 311 N. 1st St,Johnstown H20, sewer,trash pd, spacious living

areas, great location!$510/mo Must see!

Faith Property 970-377-1626

2 BDRM, 1.5 ba, remod-eled! Hkups, $800/mo, wtr/sewer pd. 1842 E 17th St,

Faith Property 970-377-1626

✭ 1 BDRM apt, $500,Mobile Home $550,

rent includes utilities.430 E Eisenhower.

Estate Builder 970-667-3400

1 BDRM- 713 Garfield$425/mo. Main level

Call rmpm.com 669-0842

1 BDRM, 1 ba, very large,Avail now. Rent $685/mo

incl utils. 1 month sec depreq. Avail 2/1. 970-532-2901

1 BDRM/1 BA ground levelend unit w/ coin-op laun-

dry, no pets, 558 10th StArmadillo 970-416-RENT.

rentfortcollins.com

1 Bath Studio, $410/mo20 E. 2nd, full kitchenCall rmpm.com 669-0842

”0“ UTILS! 1 or 2 roomstudios, vintage apts. On-site mgmt. W/D, WiFi,DirTV $335-$630 970-219-6353

Apartments/Unfurnished 4030

Kitchenettes. Weekly,monthly rates. Util. pd.Satellite TV, laundry rm.

970-663-0400

Apartments/Furnished 4010

To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place yourad any time of the day or night. Fax: 970-635-3677…email: [email protected]

2 BDRM, 1 ba, W/D hkups,avail now. 1570 E. 8th St,Loveland. $600/mo. + $600/dep. Tennant pays electric.No pets. (303)564-2360 orsee Miriam at 1562 E. 8th.

2 Bdrm- 141 Glenda, $795NICE! Big Kitchen


Duplexes 4060

3 BDRM- 2212 SW 3rd$925- Fin bsmt, 1 car garCall rmpm.com 669-0842

2 BDRM 1.5 ba, W/D hkup,wtr/ht incl, $600/mo, 1721 E16th. No dogs. 970-420-2227

Condos/Townhouses 4050

6000 SF Retail/Warehouseon Hwy 287. Overhead door.970-593-2401 or 970-227-7447.

1900 sq ft Warehouse/retailin Loveland. 2105 E 11th St,Unit 140. 970-396-1165.

CommercialIndustrial 4040

BDRM, 1 BA, hw flrs, $495211 W. 8th St, Avail now!Faith Property 970-377-1626

LUXURIOUS UPSCALEAPARTMENTS

STUDIO, 1, 2, & 3BEDROOMS- Pool, hot tub,

24 hr. fitness center,business center, coffee

shop, salon, pizza & deli.OPEN HOUSE, Mon-Fri9am-6pm, Sat. 10am-5pm.325 E. 5th St., Loveland.

1-888-822-9346

3 BD or 2 BD- Free rent!Pets nego. Quiet & spac.

$625-$795. 970-223-1349

2 BDRM in LOVELAND$715 + deposit. Heat,

water, trash paid.970-214-2057 or 970-266-0206

2 BDRM apt in SW Lvld isbright & cozy warm. Newcarpet, W/D hkkups, offstreet prkg, low utils. Privo w n e r / q u i e t 4 - p l e x .

Avail NOW. $625Wil 970-690-5261

2 BDRM, $695/mo +elec, free heat & basiccable. New carpet &vinyl, fresh paint,newly remodeled ba.No pets. 970-663-6787 or

970-430-0859

2 BDRM, 1 BA,top level,corner unit, new carpet.lndry on site. 1155 E 5th St.$575, wtr/swr/gas pd. N/P

$250 move-in special!Faith Property 970-377-1626

2 BDRM, 1 BA, gardenlevel, lg LR/DR, close todowntown, lndry on site.

1145 E 5th St.$550, wtr/swr/gas pd. N/P

$250 move-in special!Faith Property 970-377-1626

Apartments/Unfurnished 4030

2 BDRM, 3 bath, 1835 BlueRiver- lake view, $1295.Call rmpm.com 669-0842

EQUAL HOUSINGOPPORTUNITY

All real estateadvertised in this

paper is subject to thefederal and state Fair

Housing Act whichmakes it illegal to

advertise “anypreference, limitation

or discriminationbased on race, color,

religion, sex, handicap,familial status or

national origin, or anintention to make any

such preference,limitation, or

discrimination.”

The newspaper willnot knowingly acceptany advertising for

real estate which is inviolation of the law.

All persons are herebyinformed that all

dwellings advertisedare available on anequal opportunity

basis.

Houses 4080

STORAGE 20 x 40with 14´ overhead door.

$325/mo. Call (970)481-5899

1 CAR GARAGE- $75/mo.Great for storage.

rmpm.com. 970-669-0842

Garages/StorageSpaces 4070

AVAIL IMMED! 1200 SF- 3bdrm, 1.5 ba, fncd bkyd &carport. $850 + $850 dep +

utils. Lvld, (303)772-7390

3 BDRM- 3407 Ash, $8251 car gar, fncd yard.


3 BDRM, 2 ba, gar, W/Dhkps, $700. No pets/smk. 8Birkley Ct Lvld 970-667-3353

3 BDRM, 1 bath 502-504Jocelyn, Lvld, 2 car gar,fncd, N/P, N/S $775/mo +

dep. 1 Avail 12/10 &1 Avail 1/1. 970-586-1669

3 BDRM- 1416 W. 25th, $895Deck, fncd yd, 1 car garCall rmpm.com 669-0842

2 BDRM- 2343 SW 10th,$795/mo. Frplc, 1 car garCall rmpm.com 669-0842

2 BDRM, 1 ba, 703 36th St,Evans, wtr/swr/trsh pd,

pets neg $650/moFaith Property 970-377-1626

2 BDRM- 1624 E. 17th, $625.Patio, shared garage.Call rmpm.com 669-0842

Duplexes 4060

SSEELLLLIINNGG YYOOUURRUUSSEEDD CCAARR

is easier than you thinkwhen you let classifiedshelp. Hundreds of usedcar shoppers turn to theclassifieds everyday. Thecar you no longer want

may be just whatsomeone else is

dreaming of. To sell yourcar, try a classified ad

and get resultsFast, Very FastCCaallll 663355--33665500..

✔✔✔✔To ensure you receive

the best response to youradvertisement, pleasecheck your ad the first

day of publication.We regret we cannot be

responsible for morethan one day´s incorrect

insertion. Billinginquiries can be

initiated within 30 daysof ad expiration.

OWN your own home forwhat you pay in Rent!

Lowest rates,$0 - $1000 Down

Free Prequalification.Western Plains Realty

Ken or Tammy970-663-5008

Big Thompson WaltoniaLandscaped 2 bdrm/2 ba,W/D, Hottub, N/S, 2-car

heated gar. Min 6-mo lease$1500/mo. Dep reguired.

Msg #435-619-0971

$99 MOVE IN SPECIAL3 bdrm, 1.5 ba, located inMilliken. $995, 970-310-3855

4 BDRM- 568 Mesa Dr,$1350/mo. Fin bsmt, deckCall rmpm.com 669-0842

4 BDRM, 4 ba, gorgeoushome w/ deck, fncd yd,

frpl, 3 car gar W/D.$1250, pets neg. Avail now!Faith Property 970-377-1626

3 BDRM, w/bsmt, A/C,DW, new carpet in WestLvld. $950/mo. w/12 monthlease & sec dep. Pets on

appr. (970)685-8573

3 BDRM- 517 E. 50th, $1175Pets nego, firelplace


3 BDRM, 2 ba, Tri-level,frpl, gar, 766 21st St SW,

$1250/moFaith Property 970-377-1626

3 BDRM, 2 BA, 2 CAR, SoFt Collins area, 1450 sf, fullunfin bsmt, A/C, gas frpl,W/D, no smoke/pets. 6´fence, 2 level deck,sprinkler sys. $1250/mo incwtr/swr/trash. 970-214-6451

3 BDRM, 2.5 BA home,2 car gar, off of I25 & Hwy34. Avail 1/1. $1050/mo +$800 dep, pets nego.

970-587-4319 (Eves)970-215-1787 (Days)

3 BDRM- 222 SW 42nd, $850Newer carpet, BIG!


2 BDRM- 925 Lincoln,$995. Old Town, GREAT!Call rmpm.com 669-0842

Houses 4080

4 BDRM, 3 BA, formalliving/dining, fam room w/frpl, sunroom & office, mtn

views, grt price.Sanner Realty 970-980-1519

BANK OWNED-Tri-Lvl, 3 bdrm, 3 bath w/bsmt. New floor coverings,int paint & appliances.$174,900. Re/Max Alliance,Wanda Quaid, 970-481-3033

Loveland 5110

303 Maestes St, Johnstown.3 bdrm, 2 ba, complete re-model, ready to move in byXmas! $129,900 970-690-7856

Johnstown 5087

WOW WHAT VIEWS!2.8 acres, water tap in &paid. Electric close, septicneeded & Ish res irrig wtr.$100K, just SE of Berthoud.Call Mark Sullivan at ERATradewind (303)684-6335

Farms, Ranches,Acreages 5050

LEASE 2400 SF Shop with300 SF Office, $980/mo

Also avail, 3 bdrm house w/3 car gar, additional $900/

mo. Call (719)433-5095

Commercial 5030

ROOM FOR RENT(970)612-0133

1 ROOM AVAIL in Jan.Quiet 5 bdrm home. Shareba, lndry. No smoke. Clean& responsible. Need creditreport. $225. (970)622-0288

RoommatesWanted 4120

OFFICE SPACES-Utilities included.

970-613-1477

Downtown corner loc, bldgw/ 3 ofcs/recept area. 4 carprkg. $1000/mo 970-667-5145

Office Space 4100

✭ 2 BEDROOM HOMES ✭$575 to $650 + dep.

West Hwy 34. Pets nego.Se Habla Espanol

970-685-8573

2 Bdrm- 2704 Mallow, $630Pets nego, 1 car garageCall rmpm.com 669-0842

Mobile Homes/Spaces 4090

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14´X70´ in Adult Park ●Very well kept in greatcondition! 3 bedroom, 2ba, all appliances.

Asking $33,500. 1351 SylmarPark. (970)667-5868, lv msg.

✭ MOBILE HOMES ✭BUYING/SELLING

Beautiful Home in LvldSunset Retirement Park,only $14,900. We´re buyingtoo! Big Sale! Many single& dbl wides. Fin avl, autoapproval on owner fi-nanced homes. 970-222-1473✭ 690-2725 or 690-3283 ✭

Mobile/ManufacturedHomes/Spaces 5130

OPEN SAT ✭ 1-3338 E 40th St

HANDICAP FRIENDLY,newer 2 bdrm, 2 ba, A/C,

sprklr, $159,900 LloydRealty 970-689-9280

NEW At Foreclosed PricesBoise Village NorthHomes $149k-$219k

(970) 456-46001899 E 11th St, Loveland

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Loveland 5110

CA RO L O'MEARACSU EXTENSION

Ask a gardener what they’d lovefor a gift, and they might lookuncomfortable before respond-

ing vaguely “Oh, I don’t know, any-thing’s wonderful.” Don’t be frustrat-ed. It’s not that we don’t want to an-swer you; it’s just hard to explain thatthe things we cherish are likely tomake you avoid us.

Even gardener to gardener, we don’talways know how our gifts will go over.One, regaling me with the tale of howshe first got her green thumb, hesitat-ed when it came to describing her dirt-loving mother’s gift for her first gar-den. “Guess what mom sent,” she said,a little self consciously. “Manure – shemailed a big box of chicken manure!”

Now there’s a memorable gift. Suchtreasure is what many gardening momshave given, and will continue to givefor generations. But the gift of dungisn’t covered by the Dictionary of Eti-quette, so if you’re searching for some-thing different to wrap up this year,give the next best thing: knowledge.

Sign up your loved one for Your Edi-ble Garden Workshop, a one-day im-mersion into food gardening offered byColorado State University Extension of-fices in Larimer, Boulder, Weld, andAdams counties. This all-day workshopis Saturday, January 22, 9 a.m. to 4p.m. at the Ranch in Loveland, andcosts only $65.

The event, held at the Ranch in Love-

land just off I-25, features a variety ofseminars to suit everyone, from begin-ners to seasoned gardeners. Here’s asampling of what’s in store for yourg a rd e n e r:

Successful gardens start from theground up, and Dr. Jean Reeder willtake participants on an explorationhow to build great garden soil. “Soil isa living system, providing the funda-mental support for all terrestrial life,”said the retired soil scientist, “we needto feed and nurture our soils so theycan feed and nurture the plants, ani-mals, and us.”

Other basics to help the novice gar-dener include demystifying irrigation,with Extension Agent Joel Reich, whowill help participants save water whilegetting tender, sweet vegetables.

Tips for growing vegetables in Col-orado will fill one seminar, but if yourgardener wants to delve into specialtytopics, they can choose from tomatoselection, vegetable disease control,strawberries tips, how to grow raspber-ries and blackberries, or starting veg-etables from seed.

If developing skills tops the list foryour gardener, enroll them in FruitTree Pruning with David Whiting, Pro-fessor with Colorado State University.For high yields of quality fruit, fruittrees need care while young, and annu-al pruning to keep them producing foryears. Whiting will review the uniqueneeds of each tree type, including ap-ples, peaches, and other tree fruits.

Anyone feeling the pull of the earthwhile living without a place to garden

will love Alison O’Connor’s workshopon vegetable container gardening. Pa-tios, porches, balconies – any placewith sun can be converted into an oasisof edibles. The seminar covers space re-quirements, plant needs, and recom-mended varieties.

January, said O’Connor, the CSUHorticulture Extension Agent inLarimer County, is the ideal time forthis kind of event. With March aroundthe corner, gardeners start planningearly. Wrap their registration form witha pair of gardening gloves, trowel, andseed packets to make a gift they’ll re-member almost as long as a box of ma-nure.

IF YOU GO:

What: Your Edible Garden WorkshopWhen: 9 a.m.-4 p.m., Saturday, Jan.

22; registration from 8-8:45 a.m.W h e re : The Ranch, Larimer County

Fairgrounds and Events Complex, 5280Arena Circle, Loveland.

Cost: $65 early bird, $75 after Jan.14

Contact: For information and regis-tration contact Weld County Extensionat 970-304-6535.

Carol O’Meara is with ColoradoState University Extension in BoulderCounty. Colorado State University Ex-tension provides unbiased, research-based information about consumer andfamily issues, horticulture, natural re-sources, agriculture and 4-H youth de-velopment.

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