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Home and Real Estate section published by the Loveland Reporter-Herald
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Saturday Reporter-Herald Oc tober 22, 2011 D1
www.HomeStateBank.com970-203-6100
Check the license status of yourmortgage loan originator at
http://www.dora.state.co.us/real-estate/index.htm
An FHA 203(k) mortgage allows you to finance both your homepurchase and renovation with a single loan. Call now to learn more.
Loans and rates subject to credit approval. Owner-occupied residences only. FHA conditions and restrictions apply.
Vivian DeVoe, VP Mortgage Banker, NMLS#269876, 970-227-4702
Buying a home that needs work?Call the experts in FHA 203(k)renovation financing.
Think big Bank small
www.reporterherald.com Saturday, October 22, 2011 Reporter-Herald
Real EstateMatters
• •
� See GLINK/Page E3
VISIT MIDTOWN HOMES
Take time to come visit theMidtown Homes sales office tofind out more about the Midtown-Green programs and the benefitsof purchasing a Midtown Home.Hours: 10 a.m.-6 p.m. dailyAd d re s s : 1899 E. 11th St.,L ovelandFor more information:Call 970-456-4600, [email protected]
w w w. n e w m i d t o w n h o m e s . c o m
$7,500in builder and lender incentivestoward home options, upgradesand closing costs with the useof Mike Turner with AcademyMortgage Corporation in Loveland.
Bring in this voucher to receive
For more information,contact Mike Turner, Mort-gage Loan Officer at Acade-my Mortgage Corporation, at970-776-4378. Offer goodthrough Oct. 31, 2011.
Telluride by Midtown Homes
THE
www.thetellur idemodel.com
$7,500 in builderincentives throughOctober 31stPAID A D V E RT O R I A L
Midtown Homes is setting thestage for some amazing values onselect homes, including the top-selling Telluride, at Boise VillageNorth. Prices range from $179,900 to$195,350 on seven move-in readyTellurides by the end of the year.Homes are available in cul-de-saclocations, along with corner lotswith large backyards or on smallerlow-maintenance lots.
Midtown is sweetening the potwith a builder special of $7,500through Oct. 31 for contracts thatclose by the end of the year. There isa $3,000 lender incentive towardclosing costs with the use of MikeTurner, of Academy MortgageCorporation in Loveland. Buyers canapply the rest of the credit againstthe price of a move-in ready homeor on options and upgrades. Home
options and upgrades include itemssuch as granite countertops, tilebacksplashes, wood flooring, airconditioning, landscaping, tanklesswater heater, a stainless steelappliance upgrade, refrigerators,washer/dryers and more.
THE TELLURIDE
The Telluride model, a three-bedroom, two-bathroom tri-levelhome, features a den, two-car garageand 1,775 total square feet. Itincludes a 400 square-foot unfinishedbasement.
Telluride models have 42-inchkitchen cabinets, vaulted ceilings inthe kitchen and living room and abonus fourth bedroom or study. Thehome also has a large wood deck offthe backside of the home, a spaciouswalk-in closet in the master bedroomand the convenience of having thelaundry room on the same floor asthe master bedroom.
In addition, as with all Midtownhomes, Telluride models are designedand built to provide energy efficiency,lower energy bills and a healthy andcomfortable environment. Midtownhomes leverage smartly designed
features including double panewindows, more efficient centralheating systems and higher densityinsulation products.
A few of the Telluride models atBoise Village North in Loveland in-clude the following locations:• 902 Delphinus, Loveland: Largesingle family lot with deck accessonto the lawn, front yard landscapingand a side fence, $195,350• 1832 Gemini Court, Loveland:Cul-de-sac location, full-yard land-scaping, $185,600• 1827 E 11th St., Loveland:Full-yard landscaping, $184,300
Rent paymentremains when
landlord isbankr upt
ILY C E GLINKTRIBUNE MEDIA SE RV I C E S
Question: I have a com-mercial lease for a por-tion of a strip building
and just found out the buildingowner filed for bankruptcy lastFebruary. His loan holder is cur-rently trying to sell the building.The building is in Milton, Ga. Icouldn’t find anything in mylease about any of these follow-ing questions.
Am I obligated to pay the own-er his rent during his bankrupt-cy? I have been paying my rentso far because I just found outabout this. Should I pay hisbankruptcy servicer instead? Ordo I get “free rent” during theforeclosure process, as I havebeen told? Will the building pur-chaser have to honor my lease?What happens to my security de-posit?
I just want to be informed ofthe law on these items, but amnot asking for legal advice.
Answer: Even though yourlandlord is in bankruptcy, youstill have to make your monthlyrent payments. But you’re smartto think about who should getthat check. In most cases involv-ing bankruptcy proceedings, youwill get a notice from the courtindicating whether a receiver orother person has been put inplace to manage the propertyand telling you who gets yourrent check.
You never have a “free” rentperiod when you rent property.Your lease obligates you to payrent on a monthly basis, and ifyou fail to pay rent, your landlordhas the right to give you noticeand evict you from your space.
You should talk to a real estateattorney about the specifics ofyour situation and go over anydocumentation you have re-ceived from the bankruptcycourt.
The good news is that any pur-chaser of the building is usuallyhappy to keep current tenants inplace. A fully leased and occu-pied building is better than abuilding that is vacant. However,the bankruptcy court has widelatitude in deciding whether tokeep leases in place, and it ispossible that the bankruptcycourt would terminate leases atthe property to allow a differentuse or a sale of the building.
If the building is sold with theleases in place, the subsequentbuyer is generally required tohonor the leases in place fortheir term. But if the bankruptcyresults in the lender taking overthe building, a tenant may be re-moved unless the parties have anagreement to honor the leaseterms and the tenant is not indefault.
D2 Saturday Reporter-Herald Oc tober 22, 2 0 1 1
4BD, 2BA remodeled bi-level w/ artsy fi nishes. Over 1/3 acre, private lot; abuts canal w/ walking path. 2 decks, built-in hot tub; room for RV/Boat or workshop. No HOA. MLS#665209. $198,400
2599 FLEMING DR, LOVELAND
ORGANIC GARDEN & GREENHOUSE!
Sharon CookNoCo Realty Inc.(970) [email protected]
OPEN Saturday 1-3 PM 2+Acre Lake front & horse lots starting $225,000 water tap included. Surface rights, walk paths, parks, boat docks, fi shing and peace garden.
Warberg Farm at Chapman Reservoir
OPEN SATURDAY 1-3 PM
Kurt Albers Century 21 Humpal, Inc.970-231-1224kurtd57@msn.comwww.warbergfarmatchapmanreservoir.com
Peakview Meadows Sales offi ce open Thursday thru Monday 1-4. Prices starting at $195,900. 5 Models to choose from.
Peakview Meadows, Berthoud
SALES OFFICE OPEN
Kurt Albers Century 21 Humpal, Inc.970-231-1224kurtd57@msn.comwww.warbergfarmatchapmanreservoir.com
Looking for Maintenance-FREE* lifestyle? Open fl oor plan, patio home w/3 bdrms/3 baths, granite kitchen island, backs to green belt with mountain views! Convenient location. MLS#622329. $342,000
3464 Peruvian Torch Drive, Loveland, CO
BUILDERS MODEL-DAKOTA GLENOPEN HOUSE 12 TO 4 THURS.-MON.
Venna HillmanERA Herman Group/Glen Marketing970-663-4522 [email protected]
Perfect Home, Perfect Neighborhood! This beautifully maintained Ranch in quiet south Loveland features off Street RV parking, beautiful yard with mature trees, and all on a large corner lot.
3029 Sally Ann Drive, LOVELAND
SATURDAY 1:00 - 3:30 PM
Betsy HayesColdwell Banker - Loveland719-250-5916 [email protected]
Beautifully remodeled, 6 Bdrm/ 4 Bath home.Custom kitchen w/Granite counter tops, tile & hardwood fl oors. 3-Car Garage. Huge backyard, next to walking trails. MLS#666796. Open House 23rd 12-3.
375 Cove Drive, Loveland
DISCOVER ALL THE SPACE YOU CAN HAVE
Cathy HeckmanResident Realty303-638-7814
This cute one level home offers new roof, new furnace, new carpet, remodeled bathroom w/tile. Open kitchen w/eating bar. Large lot with mature landscaping. Great location. Offered at 169,900.
2265 Arikaree Ct., Loveland
OPEN HOUSE SATURDAY 1-3 PM
We never stop moving:Janelle ThomasColdwell Banker970-290-8066Janelle.thomas@coloradohomes.comwww.coloradohomes.com
Maintenance FREE* Patio Home-Great open fl oor plan-Split 3 bdrms - Upgrades and designer tile! Alder doors, trim & cabinets, 5 pc. master bath. Stone fi replace.. 2 1/2 car garage. MLS#666495. $339,900
3480 Peruvian Torch Drive, Loveland
BUILDERS MODEL - DAKOTA GLENOPEN HOUSE 12 TO 4 THURS.-MON.
Venna HillmanERA Herman Group/Glen Marketing970-663-4522 [email protected]
2bedroom plus den, 2bath ranch in lovely senior community. Model home with many extras! $295K. New Construction started for 2 Pagosa units priced at $249K Move in ready by Dec. 2011
Mirasol Senior Community 1286 Inca Dove Cir. Loveland
OPEN HOUSE SAT. 10 AM - 1PM; SUN. 1 - 4 PM
Mirasol Senior CommunityMirasol Sales Team • 970-635-5931
3BR, 3BR ranch on .96 acres w/Mtn Views & RV pkg! Large LR, formal DR, Eat-in Kitchen. Full fi nished daylight basement w/Rec RM, Shop, Craft RM & more. +3,500 sq.ft. of living space. Just $365,000
6600 Lakota Court, Loveland
OPEN SUNDAY, 3-5 PM
Renee SalzaKeller Williams(970) 231-5082
UP TO $199,999 $200,000 - $299,999
$200,000 - $299,999$200,000 - $299,999 $300,000 - $399,999$300,000 - $399,999
UP TO $199 999UP TO $199 999 $200 000 $299 9$200 000 $299 9
Featured Properties
Spectacular ranch-style home offering premium fi nishes throughout. Open fl oor plan w/10 ft ceilings, designer kitchen, fi nished basement, slab granite, wood fl oors, front & back landscaping. $499,900
1187 Coral Burst Dr. - Crescendo Village in Alford Meadows
OPEN THIS WEEKEND 12-4
Ron McCrimmonFuller Sotheby’s International Realty970.214.2763AlfordMeadows.comwww.RonMcCrimmon.com
$400,000-$499,000$400,000-$499,000
WWW.HOMEANDREALTYGUIDE.COM•CLICK ON OPEN HOUSE MAPS
saturday sunday
For information on how a Realtor may add a listing, call Dan Grassmeyer at the Loveland Reporter-Herald at 970-635-3615 or
email: [email protected]. Realtors can join our on-line realtor community at:
colonews.com/FeaturedProperties_RH/featured_newclient.phpFor details about these open houses, see the ads in this section. For
additional open house listings, please check the“Real Estate Classifi eds” section of this publication or on line at,
reporterherald.com where you can fi nd all of the information in todays Real Estate Weekly.
This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.
From the $140’s
Loveland 43rd St & Wilson Ave The Cottages at Enchantment Ridge
12-5 PM Cottage Realty 970-215-0515
Starting in the $150’s
Milliken 110 Traders Lane 12-3 PM The Group Inc., Real Estate, Tracy Wilson
970-567-0907
From $159,900
Loveland 1899 East 11th St. 10 AM-6 PM Midtown Homes, Boise Village North, Wayne Lewis
970-456-4600
$167,500 Loveland 1303 Lavender Court 11 AM-1 PM Western Plains Realty, Michelle Wilson
970-518-6640
$169,900 Loveland 2265 Arikaree Ct. 1-3 PM Coldwell Banker, Janelle Thomas
970-290-8066
$169,900 Loveland 4403 Elliot Pl 12-5 PM Cottage Realty 970-215-0515
$189,900 Loveland 2016 Dotsero Ave. 1-3 PM The Group Inc., Real Estate, Nancy Walkowicz
970-461-7136
$192,500 Loveland 560 Sunwood Drive 1-4 PM The Group Inc., Real Estate, Diane Iwanicki
970-412-7082
Starting at $195,900
Berthoud Peakview Meadows 1-4 PM Century 21 Humpal, Inc., Kurt Albers & Chris Rampone
970-231-1224, 970-430-0845
$198,400 Loveland 2599 Fleming Drive Time NoCo Realty, Inc., Sharon Cook
970-679-9900
Up to $199,000
Loveland 3029 Sally Ann Drive 1-3:30 PM Coldwell Banker, Besty Hayes
719-250-5316
Starting in the 200’s
Windsor 117 Veronica Drive 1-4 PM The Group Inc., Real Estate, Kelli Couch
970-310-8804
$207,315 Loveland 3441 Foster Pl 12-5 PM Cottage Realty 970-215-0515
$219,900 Loveland 4478 Hayler Ave 12-5 PM Cottage Realty 970-532-5900
$220,000 SW Loveland
4228 Foothills Drive 1-3 PM RE/MAX Alliance-Loveland, Franci Wunderlich
970-667-1828
Starting at $225,000
Berthoud Warberg Farm At Chapman Reservoir
1-3 PM Century 21 Humpal, Inc., Kurt Albers
970-430-0845
$239,000 Loveland 4496 Hayler Ave 12-5 PM Cottage Realty 970-532-5900
$249,900 Berthoud Collins Park Subdivision
1-3 PM RE/MAX Alliance-Loveland, Kathy Beadell
970-290-1798
$259,000 Loveland 357 Cholla Drive 1-3 PM The Group Inc., Real Estate, Cathy Vance
970-231-0234
$259,900 Loveland 1658 Stove Prairie Circle
1-3 PM The Group Inc., Real Estate, Maribeth Bergan
970-690-1735
$259,900 Loveland 3518 Akron Court 1-3 PM The Group Inc., Real Estate, Rich Gardiner
970-227-0964
$287,296 Windsor 4607 Pompano Drive 12 Noon-5 PM
The Group Inc., Real Estate, Kristen Specketer
970-290-8097
$295,000 Loveland Mirasol Senior Community, 1286 Inca Drive
10 AM-1 PM Mirasol Senior Community 970-635-5931
$298,664 Loveland 4355 Ridgway Dr 12-5 PM Cottage Realty 970-227-3893
$299,000 Loveland 2892 Ariel Drive 1-3 PM The Group Inc., Real Estate, Georgena Arnett
970-481-9801
$299,900 Loveland 1920 New Hampshire St
12-5 PM Cottage Realty 970-227-3893
$299,900 Loveland 4454 Stump Ave 12-5 PM Cottage Realty 970-532-5900
$299,900 NW Loveland
2782 Glendale Drive 2-4 PM RE/MAX Alliance-Loveland, Jean Mackey
970-290-8308
$301,750 Johnstown-Milliken
3627 Maplewood Lane
1-3 PM RE/MAX Alliance-Loveland, Nanci Garnand
970-227-1327
$335,000 Loveland 2890 Carina Circle 1-3 PM The Group Inc., Real Estate,Georgena Arnett
970-481-9801
$339,900 NW Loveland
3480 Peruvian Torch 12 Noon-4 PM
ERA Herman Group NoCo/Glen Marketing
970-663-4522
$342,000 NW Loveland
3464 Peruvian torch Drive. 1/4 mile west of Wilson on 14th Street/SW/HWY 402 to the Dakota Glen Subdivision
12 Noon-4 PM
ERA Herman Group NoCo/Glen Marketing
970-663-4522
$499,900 Loveland Creshendo Village At Alford Meadows
11 AM-5 PM Fuller Sotheby’s International Realty, Ron McCrimmon
970-214-2763
$665,000 Loveland 3169 Blue Mountain Court
12-2 PM The Group Inc., Real Estate, Cindy Kutin
970-391-4735
From the $140’s
Loveland 43rd St & Wilson Ave The Cottages at Enchantment Ridge
12-5 PM Cottage Realty 970-215-0515
Starting in the $150’s
Milliken 110 Traders Lane 12-3 PM The Group Inc., Real Estate, Tracy Wilson
970-567-0907
From $159,900
Loveland 1899 East 11th St. 10 AM-6 PM Midtown Homes, Boise Village North, Wayne Lewis
970-456-4600
$167,500 Loveland 1303 Lavender Court 11 AM-1 PM Western Plains Realty, Michelle Wilson
970-518-6640
$169,900 Loveland 4403 Elliot Pl 12-5 PM Cottage Realty 970-215-0515
$179,000 Loveland 1578 Dotsero Ave. 2-4 PM The Group Inc., Real Estate, Karen Rowan
970-310-5797
Starting at $195,900
Berthoud Peakview Meadows 1-4 PM Century 21 Humpal, Inc., Kurt Albers & Chris Rampone
970-231-1224, 970-430-0845
$198,400 Loveland 2599 Fleming Drive Time NoCo Realty, Inc., Sharon Cook
970-679-9900
Starting in the 200’s
Windsor 117 Veronica Drive 1-4 PM The Group Inc., Real Estate, Kelli Couch
970-310-8804
$207,315 Loveland 3441 Foster Pl 12-5 PM Cottage Realty 970-215-0515
$219,900 Loveland 4478 Hayler Ave 12-4 PM Cottage Realty 970-532-5900
$239,000 Loveland 4496 Hayler Ave 12-5 PM Cottage Realty 970-532-5900
$249,900 Berthoud Collins Park Subdivision
1-3 PM RE/MAX Alliance-Loveland, Kathy Beadell
970-290-1798
$287,296 Windsor 4607 Pompano Drive 12 Noon-5 PM
The Group Inc., Real Estate, Kristen Specketer
970-290-8097
$289,500 Loveland-Boyd Lake Area
3847 Calle Del Sol Court
1-4 PM Assist 2 Sell, Jennifer Usher 970-372-9541
$295,000 Loveland Mirasol Senior Community, 1286 Inca Drive
1-4 PM Mirasol Senior Community 970-635-5931
$298,664 Loveland 4355 Ridgway Dr 12-5 PM Cottage Realty 970-227-3893
$299,900 Loveland 1920 New Hampshire St
12-5 PM Cottage Realty 970-227-3893
$299,900 Loveland 4454 Stump Ave 12-5 PM Cottage Realty 970-532-5900
$300-$399,000
Loveland 375 Cove Drive 12-3 PM Resident Realty, Cathy Heckman
303-638-7814
$339,900 NW Loveland
3480 Peruvian Torch 12 Noon-4 PM
ERA Herman Group NoCo/Glen Marketing
970-663-4522
$342,000 NW Loveland
3464 Peruvian torch Drive. 1/4 mile west of Wilson on 14th Street/SW/HWY 402 to the Dakota Glen Subdivision
12 Noon-4 PM
ERA Herman Group NoCo/Glen Marketing
970-663-4522
$365,000 Loveland 6600 Lakota Court 3-5 PM Keller Williams, Renee Salza
970-231-5082
$429,999 Windsor 6787 Spanish Bay Drive
12-2 PM The Group Inc., Real Estate, Nancy Maus
970-213-0554
$499,900 Loveland Creshendo Village At Alford Meadows
11 AM-5 PM Fuller Sotheby’s International Realty, Ron McCrimmon
970-214-2763
Saturday Reporter-Herald Oc tober 22, 2011 D3
GLINKFrom Page E1
The bad news is that your security depositmight be lost. In many cases, commercialleases provide for the security deposit to begiven to the building owner and the buildingowner has the ability to commingle the mon-ey with other money used for the operation ofthe building. When money is commingled andthe owner files for bankruptcy, you, as a ten-ant in the building, may become a creditor ofthe landlord. If there are no funds to pay offunsecured creditors, you may lose that securi-ty deposit.
If you wind up with a subsequent landlord inthe building, that landlord may decide (forgoodwill purposes) to honor the security de-posit you had under your lease. The new land-lord may not have a legal obligation to honorthat amount owed unless the laws in yourstate provide that a security deposit paymentmust be honored by a subsequent landlord inyour circumstances.
There may be more than one scenario foraddressing your circumstances, so you mightwant to consult a real estate attorney, particu-larly if the security deposit you gave the land-lord is a substantial amount.
Question: My friend and I are in the finalstages of buying a house. The prop-erty is going to be in her name only,but some things have changed andwe no longer can afford to buy thehome.
What are the penalties if we don’tgo to the closing and renege on thedeal? We both own homes about 75miles apart and are already payingon our mortgages. She made up arental contract on her property inorder to qualify for this one.
How should we handle this?Answer: It’s far better to back out now —
it’s kinder to the seller and the agents whohave spent time trying to get this deal done.As far as penalties go, you might lose the de-posit you put down to purchase the home andyou might get sued down the line if the sellerscan prove damages.
The extent of your liability to the sellershould be detailed in your purchase and saleagreement. In some cases, you might onlylose the money you put down on the contract.In other cases, a seller can sue you for anydamages they sustain. And in other cases, youmight not have any liability if you are earlyenough in the transaction and have a validreason to terminate the deal.
If circumstances have changed in your livesthat will prevent you from obtaining financ-ing, your contract might provide that if youare denied financing within a certain time pe-riod, you can notify the seller and cancel thedeal.
Contact a real estate attorney who can helpexplain your legal liabilities and help you un-wind this. If you don’t know an attorney, callyour local bar association and ask for thehead of the real estate committee. Then askfor a referral.
For more information, callGlink’s radio show at800-972-8255 on Sundaysfrom 9 to 10 a.m., write to RealEstate Matters Syndicate, P.O.Box 366, Glencoe, IL 60022 orvisit www.thinkglink.com.
Real Estate Matters
Mortgage rate update
30-year fixed
15-year fixed
5/1 ARM
This week Last week Tre n d
4.18%
3.47%
3.03%
4.17%
3.47%
3.06%
Home & Real Estate is producedevery Saturday by the
Loveland Reporter-Herald.
Regional Snapshot for Loveland/Berthoud Residential
Ju n e Ju ly Au g u s t
Active Listings 973 938 860Previous Year Active Listings 1101 1092 1054
Sold Listings 155 134 154
Median Sales Price $220,000 $208,958 $223,700Previous Year Median $234,000 $238,000 $192,000
Average Days on the Market 121 103 107Previous Year ADOM 121 122 121
Year to Date Listings Sold 676 810 964Previous Year YTD Listing Sold 728 839 941
News and Press Releases: TheReporter-Herald welcomes news onhirings, advancements, awards,classes and other information ofinterest to the real estate and homecommunity. Submit information toj c o d y @ r e p o r t e r- h e r a l d . c o m .
Advertising: For advertisinginformation, call Dan Grassmeyer.
Office: 970-635-3615Cell: 970-214-6297E-mail:
d g r a s s m e y e r @ r e p o r t e r- h e r a l d . c o m
E
Watch forWatch for
in the the 3rd Thursday of each month.
no change
Northern ColoradoENERGY STAR® Homes
NoCOEnergyStarHomes.org
An ENERGY STAR® home provides you the home owner:• Better Comfort
• Healthier Indoor Air • Enhanced Durability • Lower Energy Bills
Homes built to ENERGY STAR®
standards are verifi ed by an independent third party to ensure they meet required above code performance levels.
As a home buyer we know you will feel and experience the difference.
An ENERGY STAR® homeis a better built home
Learn more at NoCOEnergyStarHomes.org
NEWNEWNORTHERNNORTHERNCOLORADOCOLORADO
HOMESHOMESMegan Wachtman
8z Real EstateBroker/Owner
970-217-7977www.MeganWachtman.8z.com
www.cohomefinder.comA better way to buy and sell a home in Colorado!
Priced from $270K
www.CosBuilders.com
Priced from $210K
New Construction
17-326536
• $3,000 BUYER CREDIT
MONTHLY PAYMENTS
• STARTING AT $999• OVER 10 MODELS
• CONNECTED TO CITY TRAIL
GREAT VALUE
GREAT COMMUNITY
GREAT LOCATION
NEW HOMES
FROM
$159,900 - $229,900
Sales Offi ce Open 10-6 Daily1899 East 11th Street, Loveland, CO 80537
Phone: (970) [email protected]
FHA Approved Community
Loveland, Colorado
D4 Saturday Reporter-Herald Oc tober 22, 2 0 1 1
Real Estate Transactionsare supplied by ProspectsUnlimited Inc., 1151 Ea-gle Drive No. 467, Love-land, CO 80537, 667-1537.
L oveland• Neva Taylor from
Pamela Blackburn, 268Dean Cir, Loveland,$135,900, home
• Kelly Koson from Jer-ry Curtis, 4430 Fruita Dr,Loveland, $388,500,home
• Benjamin Schmacht-enberge from FederalHome Ln Mortgage Corp,1113 Redwood Dr, Love-land, $131,000, home
• Robin & Vicki Smithfrom Home State Bank,4742 Soaring Peaks Dr,Loveland, $90,000, home
• Ryan Mccartney fromPNC Bank, 4252 RockyFord Dr, Loveland,$180,000, home
• William Horne fromDeidra Presley, 2000Cheyenne Ave, Loveland,$169,000, home
• Kenneth & DebraSmith from Wells FargoBank, 767 S EdinburghDr, Loveland, $145,000,home
• Justin Moyer fromEric Clarke, 546 8th StSe Ste D1 4 D13 16,Loveland, $811,400,home
• Sharon Hartley fromLakes Point Constr IiLLC, 1581 La Jara St,Loveland, $262,800,home
• Alexander Tsariounovfrom Lakeshore Condo-miniums LLC, 4905Hahns Peak Dr Unit 201,Loveland, $145,000, con-do
• Barry & Dona Atkin-son from Loveland Mid-
town Development I,1894 Gemini Ct, Love-land, $190,900, home
• Steffen & Joselyn Es-sen from Bevan Olesky,2217 Hoffman Dr, Love-land, $229,900, home
• Kathleen Connollyfrom Seth Samsell, 4141Swan Mountain Dr, Love-land, $223,000, home
• Richard & DorisWeaver from RonaldSmith, 342 Knotty Pl,Loveland, $150,000,home
• Jennifer Murphyfrom Cyr Properties LLC,836 S Edinburgh Dr,Loveland, $159,000,home
• Patrick & Sarah Maesfrom Federal Home LnMortgage Corp, 4592Hayler Ave, Loveland,$200,000, home
• Richard & SusanReznik from LeroyGabriel, 1998 Park Dr,Loveland, $150,000,home
• Mary Vandercreekfrom Roger Kampf, 2551Fraser Dr, Loveland,$185,000, home
• Resident fromLakeshore Condo LLC,4905 Hahns Peak Dr Unit104, Loveland, $153,000,condo
• Sara Smith fromRene Macias, 332 Black-stone Cir, Loveland,$260,000, home
• Sarah & KennaVenekamp from USBank, 9680 W CountyRoad 38 E, Loveland,$429,900, home
• Nathan & AlexisWebb from Aspen HomesColorado Inc, 4435 ElliotPl, Loveland, $175,500,home
• Mariah LLC fromFirstbank, 908 Garfield
Ave, Loveland, $145,000,home
• Alexander & RoseSchlosser from Chad Fis-cus, 730 S Edinburgh Dr,Loveland, $150,000,home
• Tyler & Miranda Ban-demer from MichaelGebo, 2742 EldoradoSprings Dr, Loveland,$369,000, home
• Fred & Irene Greenefrom Kimberlee Hayes,2755 Anchorage Ct,Loveland, $460,000,home
• Michael Eckert fromVirginia Pettus, 924Cleveland Ave, Loveland,$100,000, home
• Cody Wilkes fromRobert Redepenning,2597 W 46th St, Love-land, $186,500, home
• Leo & Penelope Mul-holland from Bonni Trim-ble, 2208 Ponderosa Dr,Loveland, $330,000,home
BerthoudRobert & Eliz Davis
from Bruce Johnstone,22327 County Road 3,Berthoud, $415,000,home
• Steven & GladysCoseo from PeakviewHomes Inc, 105Quandary Ave, Berthoud,$210,000, home
• Bobby Honebeinfrom Fannie Mae, 108Keep Cir, Berthoud,$158,500, home
• Barbara Donnellyfrom Robert Green, 2105Blue Mountain Ave,Berthoud, $480,000,home
• Jason Cell fromThomas Rottinghaus,1620 S Green Ridge Rd,Berthoud, $256,500,home
• Dan & Shireen Hock-ensmith from William Ju-lia Hielscher Loving, 104N County Road 23,Berthoud, $225,000,home
Estes Park• April Perugini from
Habitat For HumaityEstes Vall, 829 KundtzLn, Estes Park, $229,000,home
• Charles Hautamakifrom Edward Dubois, 255Virginia Dr, Estes Park,$70,000, home
• Charles & DarlaStarr from DonaldAdams, 457 Skyline Dr,Estes Park, $275,000,home
Johnstown• Michael Holz from
Baessler Constr Co Inc,482 Frontier Ln, John-stown, $195,000, home
• Erich & MichelleZwaagstra from RobertWells, 1009 N 6th St,Johnstown, $280,000,home
M i l l i ke n• Mark Himberger
from Samuel Adams,2005 Settlers Dr, Mil-liken, $144,000, home
• Capwest LLC fromUS Bk, 974 S Lilac Ct,Milliken, $99,400, home
• Rocky LLC from FedHome Loan Mtg Corp,201 N Olive Ave, Milliken,$71,000, home
• Dustin & Tracy Davisfrom Kenneth Robinson,714 School House Dr,Milliken, $153,100,home
Severance• Subramonium &
Santh Das from Edwards
Family Trust, 39231Rangeview Dr, Severance,$518,700, home
• Michael Webb fromJamestown Bldrs LLC,509 Prairie Clover Way,Severance, $211,200,home
• Steven Heise fromNicholas Zmiewsky, 644Foxtail Way, Severance,$160,000, home
• Scott & Kristin Bun-day from Fannie Mae, 525Prairie Clover Way, Sever-ance, $200,000, home
• Bradley & NancyBreckenridge fromJamestown Bldrs LLC,521 Prairie Clover Way,Severance, $190,100,home
Windsor• Wray Bank from
1130 Vault LLC, 1130Main St, Windsor,$1,540,000, home
• William Bent fromJoseph Dennis, 208 Peli-can Cv, Windsor,$275,000, home
• Matthew & Cassan-dra Musick from MelodyHomes Inc, 635 Camber-ly Ct, Windsor, $304,400,home
• Raymond Lameirofrom Melody Homes Inc,1659 Merton Ct, Wind-sor, $215,000, home
• Coy & Suzanne Whit-tier from Morgan StanleyMtg Capital Hol, 2 DaisyCt, Windsor, $137,000,home
• Michael & KathleenOleary from Fannie Mae,2178 Cape Hatteras DrUnit 6, Windsor,$140,000, condo
• Devon Vaughn fromMelody Homes Inc, 1662Merton Ct, Windsor,$287,300, home
• Joseph & Kelly Ja-
cobini from MelodyHomes Inc, 1650 MertonCt, Windsor, $235,000,home
• Mark & Mona Garri-son from Oak ValleyHomes LLC, 4608 Hori-zon Ridge Dr, Windsor,$391,600, home
• Oak LLC from PreoBelmont Ridge LLC,4610 Horizon Ridge Dr,Windsor, $80,000, home
• Len LLC fromMelody Homes Inc, 1651Merton Ct, Windsor,$193,000, home
• Teresa Barker fromJohn Munnelly, 291Columbus St, Windsor,$220,500, home
FORE-CLOSURES• Borrower: ChristinaHill, Lender: DeutscheBank National TrustCompany, Amount:$167,316, Property: 405Indiana Ave, Berthoud,Filed: 10/10/11• Borrower: Karen Lynch,Lender: The Bank Of NewYork Mellon, Amount:$306,050, Property: 582Meadowview Dr, EstesPark, Filed: 10/12/11• Borrower: Gerardo &Shelly Benzor, Lender:The Bank Of New YorkMellon, Amount:$266,909, Property: 520N Harding Ave, John-stown, Filed: 10/10/11• Borrower: AndreaDixon, Lender: Citimort-gage Inc, Amount:$126,370, Property: 1006N 1st St, Johnstown,Filed: 10/12/11• Borrower: Carol Sitling-ton, Lender: Us Bank Na-tional Association,Amount: $250,173, Prop-erty: 625 W 11th St,Loveland, Filed:10/10/11
• Borrower: RichardWilliams & Joy Overturf,Lender: Us Bank Nation-al Association, Amount:$126,236, Property: 3118Birch Dr, Loveland, Filed:10/10/11• Borrower: Terry Mcmil-lan, Lender: Citimort-gage Inc, Amount:$40,685, Property: 1640Jackson Ave, Loveland,Filed: 10/12/11• Borrower: Randy & Di-ane Padilla, Lender: TheBank Of New York Mel-lon, Amount: $124,366,Property: 408 ChestnutDr, Loveland, Filed:10/12/11• Borrower: ConnieJones, Lender: Bank OfAmerica Na Successor,Amount: $119,419, Prop-erty: 2319 Nyssa Dr,Loveland, Filed:10/12/11• Borrower: Trinidad &Lilia Miramontes,Lender: The Bank Of NewYork Mellon, Amount:$109,972, Property: 233N Cora Ave, Milliken,Filed: 10/07/11• Borrower: Robert & De-bra Temple, Lender: Au-rora Bank Fsb, Amount:$228,349, Property: 2200Birdie Way, Milliken,Filed: 10/07/11• Borrower: Leyann & Fe-lix Gomez, Lender: Citi-mortgage Inc, Amount:$77,598, Property: 101 NPauline Ave, Milliken,Filed: 10/12/11• Borrower: Thane &Kathrine Destigter,Lender: Jpmorgan ChaseBank National Assoc,Amount: $151,966, Prop-erty: 1113 CottonwoodDr, Windsor, Filed:10/12/11
H& Real Estate TransactionsRE
ANGIE HICKSMCCL AT C H Y-TRIBUNE
Dear Angie: What can you tell me about the HARP re-finance program? Is it true that the mortgage holderwould initiate the refinancing and the homeowner
would not have to pay any closing costs, as those are paidfrom the mortgage servicer company?
— Chuck J., Cedar Rapids, IowaDear Chuck:Yo u ’re referring to the federal Home Affordable Refinance
Program, which is designed to help homeowners refinancetheir mortgage even if they owe more on their home thanit’s worth.
As explained by the U.S. Departments of the Treasury andHousing & Urban Development, the program enables home-owners to refinance their homes at a lower interest rate,thereby reducing their monthly mortgage payment and,possibly, mortgage terms. The program offers assistance toconsumers with loans that are guaranteed or owned by ei-ther Fannie Mae or Freddie Mac and who are not more than30 days late in paying their mortgage in the past 12 monthsand who do not owe more than 125 percent of their home’scurrent market value.
You can initiate this process on your own. Go tow w w. m a k i n g h o m e s a f f o rd a b l e . o rg / h o m e - a f f o rd a b l e -refinance-program.html to learn more. You can also contactyour mortgage lender to find out if they participate in theHARP program. To qualify for participation in the program,lenders must do business with Fannie Mae or Freddie Mac.Be prepared to have and share information related to yourincome, income taxes, mortgage and other debt.
If you want to participate in this program with a lender, Irecommend working with a local mortgage lender who, inaddition to qualifying to participate, has a good reputationand with whom you feel comfortable. Whether you workwith the program on your own or with a lender, you will bestill be responsible for closing costs. You can, however, fi-nance those costs into your new loan.
The HARP program has been extended before and couldbe extended again, but it is currently set to expire June 30,2012.
Understand thehome affordablerefinance program
H& Ask AngieRE
Find out what to do in Loveland. Every day on page B2.
750W.Eisenhower Blvd., Loveland669-1234 viewmore properties at:
www.HomesInColorado.com
Each office independently owned &operated
www.3627Maplewood.comA harvest of features: gourmetkitchen, large utility room, walk-inclosets in ALL bedrooms & more.Community pool, frisbee golf course
& walking trails.$301,750 | MLS #666187
Call Nanci Garnand622-1846 | 227-1327www.LivingInJohnstown.com
OPEN SATURDAY 1–3 P.M.2782 Glendale, Loveland
Immaculate,upgraded home in NWLoveland’s Emerald Glen. 4 bed, 4bath, granite, newly fin. bsmt with wetbar. Backs to open space. Huge price
reduction! Call to seeinside!$299,900 | MLS #665082Call Jean [email protected]
OPEN SUNDAY 2–4 P.M.4228 Foothills Dr, Loveland
Corner Lot in Mariana Butte backingto Greenbelt! 4BR 3BA 2Car, FP, A/C,Sprinklers, Dining Rm & Eat-in Kitchen.Basement set up for Theatre Room.
Upstairs Laundry. Close toGolf Course, Park & ACE!$220,000 | MLS #663578Call FranciWunderlich970-667-1828YourHouseInColorado.com
OPEN SATURDAY 1-3 P.M.
www.1432SevenLakes.comCozy 2 story with main floor living. 2decks! Enjoy the warmth from the fireplacewhile looking at the water. Part of SevenLakes North HOA. 3 additional bedrooms
upstairs! Oversized side loadgarage.$390,000 | MLS #661627Call Nanci Garnand622-1846 | 227-1327www.LivingInLoveland.com
3377 Crowley Circle, LovelandStunning home backing to open space!Wonderful views of the foothills withgreenbelt, walking/biking trails, and pri-vacy. This lovely 4 bed/4 bath home has
a main-floor office/studyand hardwood floors.$350,000 | MLS #665906Call Susan [email protected]
2945 Laguna Ct, LovelandStunning 5 bed, 5 bath 2-story home inWaterfront. Fully finished walk-out base-ment,media room, formal dining, and mainfloor study. Kitchen features granite coun-
ters, SS appliances, cherrycabinets & wood floors.$617,000 | MLS #650798Call Dennis Schick970-567-3942www.dennisschick.com
227 Johnson Drive, LovelandSW Loveland - Awesome 2 story in Mead-owbrook Heights! 4 bedrooms, 3.5 bathsfinished basement, master bedroom 5 piecesuite, master bedroom deck, gas fireplace,
central air & a 3 car attachedgarage all on a quiet street.$229,500 | MLS #638800Call Julie [email protected]
PRICE REDUCED2503 Logan Dr, Loveland
Location! Updated two story across from LakeLoveland, 4 beds, 2.5 baths, office w/ separateentrance, private backyard w/ decks, pond &mature landscaping, granite counters, mas-
ter bath w/ jetted tub, craftrooms & more! Call for yourappointment today!$350,000 | MLS #665751Call Julie [email protected]
0 Rossum Dr, LovelandWOW!The last lot with deeded recreationrights on Buckingham Reservoir in Mari-ana Butte Golf Course reduced $40,000!Lake allows fishing/non-motorized water
craft. Panoramic views ofwater/mountains.$310,000 | MLS #652947Call Coleen [email protected]
Saturday Reporter-Herald Oc tober 22, 2011 D5
DAN DR AT C HBA N K R AT E .COM
That golden window rightbefore you sign for amortgage is one of the
times when your credit is themost vulnerable. You’re sub-mitting applications for loans,putting personal data on formsfor real estate agents andmortgage brokers and, ifyou’re also selling a home,inviting in strangers.
The last thing you want to dois sink a good credit score now,when you really need it. Hereare four ways to protect it rightbefore you buy.
“The biggest thing peoplehave to worry about is gettingtoo many hits on their creditreports,” said Ed Mierzwinski,consumer program directorwith the U.S. Public InterestResearch Group.
A lot of experts advise sub-mitting all mortgage applica-tions within 30 or even 45 daysbecause, if submitted duringthis window, they count as oneon your credit report.
Not always.While the latest versions of
the FICO software allow awider window, a lot of lendersstill use older versions, saidJohn Ulzheimer, president ofconsumer education forSmartCredit.com. That meansyou should play it safe and sub-mit all mortgage applicationswithin a 14-day period, he said.
While you’re shopping mort-gages, lenders may be shop-ping you, Mierzwinski said. Headvises applying only to com-panies you seek out, not thosethat contact you first.
Keep low credit card bal-ances. To get the highest cred-it score, keep your card debt to10 percent or less of the limit,
and use only one or two cards,Ulzheimer said. Pay bills in full.
If you’re selling a home,you’ll probably have strangerswalking through — so get or-ganized.
• Put bills and financial pa-pers — anything with namesand account numbers — inone box, preferably with a lock.Put it on a high shelf in a clos-et, marked “family photos” orsomething bland.
• Pack up decorative itemswith personal information suchas marriage certificates, diplo-mas and family trees, said RonPhipps, National Association ofRealtors president. Don’t leavecomputer passwords taped toyour desk.
• Remove or hide any pre-scription drugs. “Thereshouldn’t be any on thepremises,” said Pat VredevoogdCombs, former president ofthe National Association of Re-altors.
• Discuss what strategiesyour agent will use to safe-guard your privacy. Decidewhat personal informationyour agent can and can’tshare.
Select an agent licensed bythe state and registered withyour local board, Combs said.And be realistic: No one cancompletely control everyone’smovements during an openhouse, she said.
When you’re buying a home,the only people who need yourpersonal information are po-tential mortgage lenders. Realestate agents and sellers needonly know that you can affordto buy. So get pre-approved be-fore shopping. When you ap-proach an agent, all you needis the letter from your bank.
Negotiating with a lender?Gabby Beltran, spokeswoman
for the Identity Theft ResourceCenter, suggests you:
• Deal with one person atthe lending company. You’llminimize the number of peo-ple with access to your paper-work.
• Send papers by fax or snail-mail. Ask that nothing withyour Social Security number orother vital data be sent viaemail.
• Ask to see where and howyour information will be se-cured. “On a desk is not a safeplace,” Beltran said.
When you make an offer,consider a cashier’s check forthe earnest money deposit,said Michael Gilbert, detectivewith the Montgomery County,Pa., Detective Bureau. Thatway, you’re not sharing yourbank account numbers, hesaid.
Be more proactive with yourfinances. Instead of checkingyour credit-card statementmonthly while paying bills, youmight want to do it weekly on-line — to make sure all thecharges are yours.
“Almost every credit cardcompany has a program to al-low you to have any unusualcharges noted,” Phipps said.
Credit bureaus offer credit-watch services aimed at alert-ing you if someone obtainscredit in your name. Whileyour request to “lock” or“freeze” your credit wouldmake it tough for thieves toopen accounts in your name, itcould interfere with your loan’sfinal approval, Ulzheimer said.
And while your home is onthe market, be careful with dis-closures on social media,Combs said. “It’s probably nota good time to announceyou’re going on a two-weekcruise.”
Homebuyers: Protectcredit with 4 steps
AS S O C I AT E D DESIGNS
Built in the right setting, the brightand spacious hexagonal great room atthe center of the Blue Creek serves up
a panorama of stunning views. And the vistasfrom inside this lodge are yoursto enjoy from the moment you step inside.
The main floor has a ground level en-trance, but is one story above the ground atthe rear. Hefty log posts highlight the entry.A king post and struts highlight its loftyvaulted porch. Double doors open into theexpansive great room, which is richly glassedin the three back wall sections. Tall windowsflank the fireplace centered in the section tothe right.
Across the room from the entry, twin setsof sliding glass doors open onto a vaultedand covered deck that is a near reflection ofthe front porch. A log handrail rims the widedeck that wraps around the rear, creating anextensive outdoor living area.
Wings extend out to the left and right ofthe great room. On the left, a peninsular eat-
ing bar bounds a roomy kitchen with plentyof cupboard and counter space, including acentral work island. The owners' suite, withits twin lavs and large walk-in closet, is justdown the hall. A second bedroom and bath-room fill the opposite wing.
Outside, on the basement level at the rearof the Blue Creek, hefty posts support themain floor deck above, creating a coveredcolonnade below. A hexagonal two-cargarage with plenty of extra work and storagespace sits below the great room. Basementrooms, which could initially be finished orunfinished, extend off of the hexagon in thesame configuration as above.
Visit AssociatedDesigns.com for more in-formation or to search our home plans. A re-view plan of the Blue Creek 10-564, includingfloor plans, elevations, section, and artist'sconception, can be purchased for $25. OurHome Plan Collection, featuring more than550 home plans, costs $15. Both are avail-able online, by mail or phone. Add $5 s/h. As-sociated Designs, 1100 Jacobs Dr., Eugene,OR 97402, (800) 634-0123.
H& featured Home PlanRE
Blue Creek offers stunning views
Open Houses This Weekend - www.thegroupinc.com
SATURDAY 1:00-3:002016 Dotsero Avenue, Loveland Original owner! 4 bedroom, 3 bath (2 on main), all brick ranch. Quiet area, mature trees, partially fenced yard, sprinkler system and patio. Newer garage doors (3 years) and roof (3 years). No HOA! Co-listed with Robert Walkowicz 481-6077.
$189,900MLS# 665745
Call Nancy Walkowicz461-7136
FRIDAY - SUNDAY 12:00-3:00110 Traders Lane, Milliken Pick your own fixtures, carpet & colors. Wonderful ranch style & 2-story home plans to choose from. Your choice of 3 great subdivision to live in – Settlers Village – Colony Point or Centennial Farms. VALUE YOU CAN SEE… QUALITY YOU CAN COUNT ON with a WINDMILLS HOME. Visit us at 110 Traders Lane in Settlers Village. 100% FINANCING! NO MONEY DOWN!!!
Prices starting in the $150’sMLS#
Call Tracy Wilson567-0907
NEW CONSTRUCTION
SATURDAY 1:00-4:00560 Sunwood Drive, Loveland Immaculate home with extraordinary yard. Super kitchen with extra elbow room, large living room and family room and spacious bedrooms. Vaulted ceilings. Central air. Gorgeous fenced backyard with covered patio and perennials. Sprinkler system, shed and fenced-in parking pad for RV.
$192,500MLS# 667186
Call Diane Iwanicki412-7082
INVESTMENT PROPERTY
SATURDAY 1:00-3:00357 Cholla Drive, Loveland Beautiful ranch with walk-out basement, decorator colors, wood blinds and upgraded features. Open floor plan has easy-care laminate in the kitchen & dining room. Pantry, breakfast bar, main floor laundry. Basement features a huge family room, 4th bedroom & full bath. Shows Like a Model Home!
$259,000MLS# 664315
Call Cathy Vance231-0234
SUNDAY 2:00-4:001578 S. Dotsero Avenue, Loveland 3bd, 2ba, 1618 sq ft, Bi-Level, slate entry & stairs. Upper level offers a nice open flr plan w/ laminate hardwood floors, beautifully updated bath & nice interior paint. Newer windows throughout. Lower level has nice family rm w/ brick fireplace, bdrm & bath. New light fixtures throughout. Great backyard w/ deck & fire-pit.
$179,000MLS# 666365
Call Karen Rowan970-310-5797
WONDERFUL HOME IN SOUTH LOVELAND!
FRIDAY - SUNDAY 1:00-4:00117 Veronica Drive, Windsor LAKE FRONT with wonderful views! Greenspire at Windsor Lake. It’s more than just a home… IT’S A QUALITY OF LIFE! Miles of bike trails, open space & parks. Personalize your home from framing to finish! Extraordinary floor plans – Ranch & 2-Story. Visit our Sales Center at 690 Moonglow Drive or call for a personalized showing!
Homes Starting in the $200,000s!MLS# 663403
Call Kelli Couch970-310-8804
NEW HOMES BUILT BY WINDMILLS, LLC
SATURDAY & SUNDAY 12:00-5:004607 Pompano Drive, Windsor 3 bedroom, 3 bath ranch with 3-car garage. Loads of upgrades, backs to open space! All of our homes are energy-efficient on oversized lots! Visit our models for other plans available starting at $239,900.
$287,296MLS# 661199
Call Kristen Specketer290-8097
NEW CONSTRUCTION
SATURDAY 12:00-2:003169 Blue Mountain Court, Loveland Solid brick traditional home with European influence. Private park-like .86 acre backs to foothills & open space. Spacious rooms & flowing floor plan. Kitchen features custom cherry cabinets, Italian tile, slab granite & cozy hearthroom. Carved limestone fireplace & gorgeous windows in the Great room. Wonderful outdoor spaces. Neighborhood pool & tennis.
$665,000MLS# 645353
Call Cindy Kutin391-4735
SATURDAY 1:00-3:003518 Akron Court, Loveland Unique 4-level on a ¼ lot. 4 bedrooms, 3 baths, large kitchen, living room and family room. Master suite w/jetted tub and large shower with 4 heads. Sun room w/tile floor & hot tub looks out to a mature, park-like backyard & multi-level deck. Newer carpet & paint. Low maintenance vinyl & brick siding. Close to schools & sculpture park.
$259,900MLS# 666526
Call Rich Gardiner227-0964
PRICE REDUCED!
SATURDAY 1:00-3:001658 Stove Prairie Circle, Loveland Stucco ranch style home with an inviting tile entry. Great room w/gas fireplace opens to kitchen & breakfast nook. Tharp cabinetry, slab granite counters w/full tile backsplash & hardwood floors. Master w/5-pc bath & large walk-in closet opposite 2 guest bedrooms. Formal dining room. Central air. Unfinished bsmt. Private patio.
$259,900MLS# 663127
Call Maribeth Bergan690-1735
PRICE REDUCED
$429,999MLS# 660692
Call Nancy Maus213-0554
SUNDAY 12:00-2:006787 Spanish Bay Drive, Windsor Classy patio home has 2 master suites. Main floor office. Formal dining room. Concrete countertops, SS appliances & huge walk-in pantry. 3rd bdrm, bath, family room & lots of unfinished area in basement. Entertainment center is included. Enjoy the view across Highland Meadows Golf Course!
Northern Colorado
Real Estate Sourcew w w . t h e g r o u p i n c . c o m
Online version of publication at www.thegroupinc.comcontaining links to detail pages for most listings.
FRIDAY & SATURDAY 1:00-3:002890 Carina Circle, Loveland Colorado Craftsman style home. Finishes include hardwood floors, designer tile, slab granite, alder trim & doors and shaker style alder cabinetry. 12’ ceilings in great room w/wood beams. SS appliances, gas fireplace and custom built-ins. Fully landscaped. Close to I-25, Centerra and the Medical Center of the Rockies.
$335,000MLS# 662119
Call Georgena Arnett481-9801
NEW CONSTRUCTION
FRIDAY & SATURDAY 1:00-3:002892 Ariel Drive, Loveland Colorado Craftsman style home quality built by Oak Valley Homes. Kitchen features a large island and shaker style alder cabinetry. Ranch style home with open floor plan backs to open space. Beautiful finishes include hardwood floors, designer tile & slab granite. Full, unfinished basement. Fully landscaped yard.
$299,000MLS# 662114
Call Georgena Arnett481-9801
NEW CONSTRUCTION
D6 Saturday Reporter-Herald Oc tober 22, 2 0 1 1
H& Front Range GardeningRE
H a l l owe e nMythconceptions
CA RO L O'MEARACSU EXTENSION
Halloween horrors aren’t al-ways connected to the spiritsof the dead, even though the
ancient holiday is. Some of thespookiest creatures on the planetare products of human imaginationtrying to explain the workings ofMother Nature, or using Mother Na-ture to nefarious ends. A quick lookat the history of some myths andmisconceptions shines a light onfrightful tales.
The legendary witch hunts ofSalem in 1692 may have root in afungus, Ergot (Claviceps purpura),which invades rye and other grains.Colonizing the flower and growing inplace of kernels, the fungus can getmixed into the grain before millingand end up in food. It is here that achemical found in the fungus – lyser -gic acid, from which LSD can be ex-tracted – causes problems.
In the winter of 1692, twoyoung girls in the home ofReverend Samuel Parris be-gan acting strangely, withcontorted postures, “foolish,ridiculous speeches,” throw -ing items, and “blasphemousscreaming.” While we consid-er this normal, reality-TVshow behavior, Salem andsurrounding communitiesfound no other explanationother than witchcraft, andthree women were accused and im-prisoned.
Over the spring and summer of1693, 200 people were accused; ulti-mately, 20 were executed and othersdied in jail. Eventually reason pre-vailed and wise leaders released theaccused, offering apologies andfunds to help the affected families.
Witches weren’t the only ones tosuffer from bad public relations; wolfspiders also have a bad rap. In theMiddle Ages around Italy and theMediterranean, the belief held that abite from the wolf spider causedTarantism, a listless, fainting condi-tion that could only be cured by mu-sic.
Victims described by eyewitness inthe early 1500s seemed to be insane,singing absentmindedly to the beatof a drum, with arms, legs and theentire body moving in beat with themusic. The same could be said of meas I gyrate around the garden intime to the music on my iPod, so I
hope the neighbors don’t call anarachnologist. Having one of my col-leagues see me dance could be em-barrassing.
Arguments abound on the realcause of the myth: superstition,mass hysteria or sun stroke havebeen suggested. Some hold that itwas a ruse to get money from sympa-thizers of the afflicted, others that itwas a means for peasants to dance inpublic and skirt the ban of thechurch. Either way the innocent vic-tim of this myth is the spider.
The iconic symbol of Halloween,the Jack O’ Lantern, hasn’t alwaysbeen the cheerful orange pumpkinwe use today. The original Irishmyth, in which a man named Jacktricked the Devil not once, buttwice, into promising not to take hissoul when he died, led to a comeup-pance for the Irish rogue when heexpired and neither heaven nor hellwould take him.
The Devil, in a fit of temper at hav-ing been tricked twice, banishedJack to wander the dark night, hurl-ing a burning coal from hell afterhim. Jack put the coal into a carvedout turnip and has been using it tolight his way as he roams the Earthever since, becoming known as“Jack O’ L antern.”
In Ireland and Scotland, peoplemade their Jack O’ Lanterns fromturnips or potatoes; the Englishused beets. Immigrants from thesecountries brought the tradition withthem when they came to the UnitedStates, where they discovered thatpumpkins are perfect for carving theghostly decorations.
Placed in front of the home, theJack O’ Lantern protects against evilspirits and witches, which reputedlyfear fire. Jazz up yours with a sprin-kling of cinnamon and nutmeg in-side the top of the gourd; the heatfrom the flame will have your goblinguard double as a delectable airfreshener that smells of pumpkinpie.
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
O’Meara takesa stroll thoughthe dark sideof Halloweent ra d i t i o n s
Gardening productscan expire, tooBETH THIRETCSU EXTENSION
Question: I’ve been cleaningmy garage shelves and no-ticed several partially used
containers of weed killers, pesti-cides and fertilizers. They don’thave any expiration dates on them.Are they still good?
Answer: Unlike food and medicalproducts, most garden productsdon’t have an expiration date on thecontainer. While some powderedfertilizers can virtually last forever, agood rule of green-thumb for weedkillers and pesticides is to use theproduct within two years of pur-chase.
You can also check with manufac-turers for specifics. It’s best, when-ever possible, to buy only the quan-tities you expect to use within oneseason. In the long run, this willsave money and avoid waste. Writethe purchase date on the containerand store in a cool, dry area awayfrom direct sunlight. Liquid prod-ucts will break down more quickly ifexposed to temperature extremes.
Remember to properly dispose ofall unused products by followingyour county’s hazardous waste dis-posal requirements and always storeyour lawn and garden products outof the reach of pets and children.
Question: When do I start bulbsto for indoor blooming this winter?
Answer: There’s no time like thepresent to pot bulbs for winterbloom. Ask at your local nursery fortop quality, good-sized bulbs forforced blooming indoors. Daffodils,crocus, and hyacinths are amongthe varieties of bulbs that can beforced indoors. Since they all have
differing bloom times, use only onevariety per container.
Place the bulbs pointed side up ina pot with a couple of inches of pot-ting soil in the bottom. Cover withmore potting soil, but leave the tipsexposed. The chilling time will varydepending on which bulbs you areusing. Most will require a minimumof ten weeks.
To properly chill and begin rootdevelopment, bulbs require a tem-perature of 40-50 degrees. If utiliz-ing a refrigerator for cold storage,keep the bulbs away from freshfruits and vegetables as the ethy-lene they give off will cause bud de-velopment to fail. When bulbs areremoved from cold storage, checkfor root development and yellowshoots emerging from the bulbs.The soil should be moist to thetouch. Keep pots in a cool area(60-65 degrees) away from directsunlight and heat sources until theshoots turn green. This may take afew weeks. Gradually move them in-to warmer temperatures with directsunlight.
When the bulbs are blooming,move them to a cool location in theevening to extend the life of theflower. Unlike bulbs in the garden,forced bulbs are not likely to floweragain at a satisfactory level andshould be discarded after bloom,but you can plant in the garden ifyou wish.
Beth Thiret has received trainingthrough Colorado State UniversityExtension's Master Gardener pro-gram and is a Master Gardener vol-unteer for Larimer County. For moreinformation about CSU Extension,Larimer County, call 970-498-6000or visit www.larimer.org/ext.
MITZI DAV I SCSU EXTENSION
• Many of the spring bulbs are fra-grant as well as beautiful. Look fortulip varieties Angelique, ApricotParrot, Daydream, Ballerina orMonte Carlo. Many daffodils are fra-grant, so add some of these to yourgarden: Thalia, Tete a Tete, Crag-ford, Stratosphere and Pipit. BabyMoon, Fragrant Rose, Bridal Crown,Cheerfulness and Erlicheer are bothdoubles and fragrant daffodils.
• Weather data gathered in FortCollins from 1970 — 1999 showsthat the normal daily high tempera-ture in October is 64 degrees andthe normal daily low is 36 degrees.Normal total precipitation for
October averages one inch — usual -ly from snowfall, as this area re-ceives an average of 3.9 inches ofsnow in October.
• Drain gas and oil from lawnmowers and other gasoline-poweredyard equipment. Blow out all sprin-kler systems. Drain and store hoses,but keep them handy for winter wa-tering of trees and shrubs if we havea dry winter.
• With a bountiful harvest of ap-ples this fall, consider making juiceor cider from the windfalls. To killbacteria on the apples, includingE.coli 0157:H7, heat the juice to160 degrees. The juice can then berefrigerated, frozen or canned usinga pressure canner and following thehigh altitude directions for your ele-vation.
Choose fragrant bulbs
