Home and Real Estate Weekly

LONGMONT TIMES-CALL | ARTS & ENTERTAINMENT MAGAZINE | SATURDAY, NOVEMBER 19, 2011

HOME & RealEstateWeekly

November 19, 2011

Longmont Times-Call www.TimesCall.com

A simple upgrade or remodelcan add value, enjoyment

HomeRenovation

2 Times-Call / Home & Real Estate Weekly November 19, 2011

Is your home-renovationproject really worth doing?Article Resource Association

Maybe you’ve watched one too manyhome improvement shows. Perhapsyou’re still stinging from that guest’scomment about how your kitchen coun-tertop has seen better days. Or maybeyou’re just really tired of the same old,same old every day.Whatever the reason the remodeling

itch has settled into your brain, beforeyou bring in a contractor – or pick up ahammer – you should consider two im-portant questions: How will you fundyour project? And will it be worth it inthe end?A little research and credit self-assess-

ment can answer both questions. In ad-dition to pulling your credit report tosee how likely you are to qualify forgood loan terms, you should considerthe potential resale value of the im-provement, how it will improve your lifeand if it will enhance your enjoyment ofyour home.

Fortunately, it’s not difficult to evalu-ate the potential resale value. Kitchenand bathroom remodels, adding a deck,or finishing a basement or attic are allpopular renovations because they up-grade the most-used rooms in the houseor add living space.In terms of resale value, here are some

popular projects with high paybacks, ac-cording to Remodeling Magazine’s2009-2010 Cost versus Value Report:• Adding an attic bedroom – 83.1 per-

cent• Adding a wooden deck – 80.6 per-

cent• Minor kitchen remodel – 78.3 per-

cent• Major kitchen remodel – 72.1 per-

cent• Basement remodel – 75.4 percent• Bathroom remodel – 71 percentKeep in mind that smaller remodels,

while costing less than major jobs, canstill have a major impact on how your

home looks and feels. For example, sim-ply replacing that old front door with asteel version can cost around $1,000 butoffers a return on investment of nearly129 percent, according to the report.Another factor to consider when

weighing the value of any remodelingproject is how it will affect your qualityof life in terms of financial security. It’simportant to be sure the cost of the pro-ject won’t be a financial burden that de-

tracts from your enjoyment of the re-sults.Remodeling projects will likely re-

main popular as homeowners continueto stay put in a still-sluggish real estatemarket, experts agree. With some care-ful planning, budgeting, research andcredit insight, you can ensure you reapthe most financial and personal valuefor whatever renovation you decide toundertake.

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November 19, 2011 Times-Call / Home & Real Estate Weekly 3

Gift Books for Gardeners

Carol O’MearaColorado State

University Extension

From simple pleasures to outright splurges,the season for giving is upon us. As you rush tobuy gifts for your gardeners, consider givingthem a gift they’ll treasure for years: books. Asold fashioned as that may sound, having a cou-ple of hard copy resources you can reach forwhen your hands are covered in dirt is price-less. Here are three can’t miss options:“Urban Homesteading: Heirloom Skills For

Sustainable Living” byRachel Kaplan and K.Ruby Blume (SkyhorsePublishing, $16.95).Now in its secondprinting, this is a must-have resource for gar-deners interested inmaking the most of thegarden’s bounty. “Formyself, I started gettingconcerned with thecountry’s direction about 10 years ago,” saysKaplan from her home in Petaluma, California,“I started growing food, doing food preserva-tion. Homesteading kept arising as a good wayto live; there’s so much joy in in unhookingfrom the machine. When you get into a repur-posing lifestyle (using objects differently in-stead of throwing them away), you lower ex-pectations and relax.”Novices and experienced gardeners can find

advice to suit their skills and needs, and youdon’t need to overhaul your life to get started,says Kaplan. Though she puts up 100 quarts offood from her 600-square-foot garden, yearly,her advice is to start small. “It’s not like the De-

pression era, where we have nothing so need toconvert everything. It’s little changes. Followyour appetite, follow your love; if you likefood, start there, if your interest is water, startthere. You can do this within your opportuni-ties and lifestyle.”Urban Homesteading is filled with hundreds

of project ideas for how you can make the mostof your property, from composting or wormbins to food preservation. Find it at urban-homesteading.org.“The Heirloom Life Gardener: The Baker

Creek Way of GrowingYour Own Food Easilyand Naturally” by Jereand Emilee Gettle (Hy-perion books, $18.83).“People kept asking usfor a book that had ev-erything in it,” saidJere, who, with wifeEmilee owns the BakerCreek Heirloom Seedcompany in Mansfield,Missouri. “There are a lot of books dedicated tojust melons or squash, but people wanted abook that had a lot of elements within it, notjust growing, but seed saving or harvesting,and varieties.”The Gettles know first-hand the surging in-

terest in food gardening; sales at their seedcompany have been increasing by at least 20-percent per year over the past five years. “Peo-ple have an interest in good food, and in grow-ing food.” The varieties section is sure to pleasewith its tips on growing and seed saving for

each plant type, he said, but the travel chaptercaptured his heart. “It brings back so manymemories for me; I find it interesting to traveland find seeds, to keep them going.” Find it atrareseeds.com/HG_Gardener .

“Slow Gardening: A No-Stress Philosophyfor all Senses andSeasons” by FelderRushing (ChelseaGreen Publishing,$29.95). For sheerreading fun and plentyof wisdom, Slow Gar-dening is a joy fromcover to cover. Rush-ing’s approach to gar-dening won’t appeal toeveryone, especially ifyou’re hung up on in-sisting all gardens are meticulously groomedand planted to conform. Instead, Rushing cele-brates the diversity of gardens and gardenerswhile giving practical tips on how to get thechores done without senseless repetition.

Easy to read, it’s perfect for winter perusalwhen most gardeners are making vows to makethe upcoming season the “very best, ever.” Andaccording to Rushing, the very best garden youcan grow is the one that pleases you. Find it atlocal bookstores or at felderrushing.net/.

Carol O’Meara is a horticulture entomologist with theColorado State University Extension office at the Boul-der County Fairgrounds in Longmont. Contact her bycalling 303-678-6238 or emailing [email protected]. For more gardening tips, check out her blog atgardeningafterfive.wordpress.com.

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How to help yourkids buy a homeBy Michele Lernerbankrate.com

Traditionally — and when they could afford to — parents haveprovided cash to their offspring for down payments on homes. Butin these days of tightened credit guidelines, some parents take big-ger steps to help their kids become homeowners at today’s low in-terest rates.Three factors determine whether it’s financially smart for parents

to help adult children buy homes: the parents’ finances, the kids’ fi-nances and the real-estate deal itself.“The first rule of thumb is that parents should never get finan-

cially involved with their adult offspring unless they are adequatelyprepared to address their own needs and pending retirement, whichmay not be far down the road,” says Guy Penn, principal andfounder of G.M. Penn Wealth Management in O’Fallon, Mo.Penn says while there’s no one-size-fits-all answer to whether

parents should help their offspring buy a home, it definitely is a badidea to pull money from a retirement account to give assistance.Jeffrey Ivory, a partner with Stonebridge Financial Partners in

Bingham Farms, Mich., says, “If parents are giving their kids down-payment money, they should be willing to lose that money and notget it back. If they are helping their kids by buying a home and rent-ing it to them or by co-signing their loan, they need to have not on-ly the liquidity for the down payment, but they also need to be cer-tain they can pick up the mortgage payments if the kids cannot paythem.”Parents should make sure they are helping their kids for the right

reasons, Ivory says.“If the kids can’t get a loan on their own, the parents really need

to know why not,” says Ivory. “If the scenario is that your kids aregoing through a divorce or a job loss and you want to help them, ty-ing them to a permanent location may not help. If they are dealingwith the financial consequences of credit problems, helping thempay off their credit-card debt may be more important than buying ahome. But if you are helping a young couple with stable jobs whojust haven’t had time to save for a down payment, and you can easi-ly afford to help, this could make sense.”Ivory says parents should ask their kids to pull their credit scores

and show it to them, and ask to see their paychecks and credit-carddebt.Ivory says parents should talk to their kids about the rules of

thumb of homeownership, including keeping all total debt, includ-ing housing costs, to less than 38 percent of monthly income beforetaxes. Housing costs, including taxes, homeowner’s insurance,homeowner’s association dues, and principal and interest on themortgage, should be less than 28 percent of gross monthly income.Penn notes: “Parents rarely have serious money discussions with

their children, and throwing money in their direction now may bedoing more harm than good. Parents should be talking to their kidsrealistically about the hidden costs of homeownership like utilitypayments, maintenance and repairs.”The simplest way parents can help their kids financially is with

down-payment money.Individuals can give $13,000 tax-free to another individual each

year, Ivory says, so if two parents each give their offspring and theiroffspring’s spouse the maximum, they can give a total of $52,000tax-free.Most financial planners view co-signing a loan as the worst op-

tion because of potential damage to the parents’ credit and cashflow if the kids cannot make the payments.

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Brother should be cautious of helping with short saleQ: My brother is in foreclo-

sure on his house. He is try-ing to get someone to buy itin a short saleand then quit-claim the homeback to him. Ithink this is ille-gal, but he’s beentold the processis not beingchecked out verythoroughly.My problem is

that I agreed tofinance his pur-chase of a newhome and he’s planning touse my funding in this shortsale situation. What is my lia-

bility if he goes through withthis?I am seeking information

that will help himsee the danger, ifany, to him and mein pursuing this.

A: You are right tobe cautious. A validshort sale is when athird party comes toa homeowner andagrees to buy thehome from that own-er for a price that isinsufficient to cover

the costs of the sale and thepayment to the lender.

The lender will not allow the

short sale to go forward if itknows that the sale is a ruse forthe borrower to remain in thehome. Most lenders will requirethe homeowner to sign variousdocuments throughout theshort sale process, and some ofthese documents address whatyour brother is trying to do. Hewould have to lie to the lenderto get the short sale completedunder these circumstances.Whether lenders are “check-

ing” these situations out or notshouldn’t be the question. Cur-rently, the short sale process isone that allows a seller to getrid of his home and move on.It might be wise for banks to

consider a new option thatwould allow existing home-owners to remain in theirhomes at reduced payments, ei-ther by making the borrowerstenants or by modifying theloans to allow borrowers to re-main in their homes.However, in your brother’s

situation, he’s better off sellingthe home, making sure thelender waives any deficiencyjudgment against him and rent-ing a home nearby.However, you shouldn’t be-

come involved in a situationwhere you know that a fraud orwrong is being committed, es-pecially by funding the fraudu-lent transaction. If you providethe funding for the purchaseand it becomes a mess, youmight not like where you end

up. You could lose all of yourmone — or worse, be accusedof perpetrating a fraud.If you decide to proceed,

make sure you do so with theaid of a real estate attorney.Q: We’re right at the end

of the time period for our re-finance on our new 15-yearmortgage application. Theprocess has taken too long,but we got a good rate withno closing costs.My husband and I have ex-

cellent credit scores, but he’sself-employed. Interest rateshave gone down since we ap-plied and we are supposed toclose today. Can our brokershift us to a lower rate mort-gage and not lose any mon-ey? We paid for the appraisaland credit check and wemight be out that. Whatwould a fair interest rate befor a no cost refinance?

A: Interest rates fluctuatedaily. These days a 15-year refi-nance interest rate might be be-tween 3.25 percent and 3.75percent. And, if you don’t wantto pay closing costs, it mightcost you 1/8 of a percentagepoint more to go that route.Once you’ve applied with a

mortgage broker, that mortgagebroker should have locked youin with a specific lender, andthe mortgage broker is (orshould be) committed to givingyou the loan at the promisedrate.

You can always ask the mort-gage broker if he has optionsavailable for you. Usually, how-ever, mortgage brokers can’trenegotiate the rate once it’sbeen locked. Your only optionswould be not to close, and losewhatever money you mighthave paid, or refinance withthis lender now and then startthe process over to get a lowerrate.It’s your decision to make,

but it is worthwhile talking toyour mortgage broker first andseeing if he or she has any sug-gestions or options for you.Depending on the state in

which you live, refinancing canbe cheaper or more expensive.Some states’ closing costs arerather high. In those states,your interest rate might have togo up substantially to coverrecording, title and other ex-penses. In low-fee states, youmight find that the difference issmall between a no-cost refi-nance and the interest rate youotherwise could get.You can look up interest

rates in your area by going tothe websites for some of themajor banks or atwww.BankRate.com.

Ilyce R. Glink’s latest book is “Buy,Close, Move In!” Samuel J. Tamkin isa Chicago-based real estate attorney.If you have questions, you can callIlyce’s radio show toll-free (800-972-8255) any Sunday, from 11a.m-1p.m.EST. Contact Ilyce and Sam throughher website, www.thinkglink.com.

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A ‘spring cleaning’ aspart of ThanksgivingpreparationsBy Rosemary Sadez FriedmannScripps Howard News Service

Thanksgiving is coming — and coming fast. It is certainlya nice holiday to look forward to, but if you are the host orhostess of the big Thanksgiving dinner, you might want tostart getting the house clean and in good order for the guests.

Let’s explore some ideas on how to “spring clean” in thefall.

When guests come for dinner, chances are they won’t begoing through the closets doing an inspection of your neat-ness, so don’t worry about the closets — at least for this sea-son. If you have overnight guests, consider clearing andcleaning the closet in the bedroom they’ll be using, but onlythat closet.

The spaces to concentrate on are all the visible areas. Ifyou have time, you can vacuum under the furniture, but onlyif time permits.

Shelves, on the other hand, will be visible to all, so it istime to take all things off the shelves and dust. When puttingthings back, consider eliminating extra, unnecessary thingsso the shelves don’t appear cluttered.

Thoroughly clean the floors where the guests will travel.This is important. Have you ever gone to a restaurant wherethe carpet is dirty? Do you feel like the place isn’t all that san-itary? Not a very appetizing atmosphere, is it?

Ah, the bathrooms. Here again, picture a restaurant. Fancyrestaurant have fancy and clean bathrooms. Even not-too-fancy restaurants that have clean bathrooms make you feel alittle more comfortable eating in that establishment. Be surethere is a fresh roll of toilet paper and an extra roll or two onhand as well.

A fresh bar of soap or a full container of liquid soap letsguests know you want to make it all perfect for them. Clean,fresh hand towels are a must. Clean the grout in the shower.If the shower curtain needs to be replaced, do it.

What about the kitchen? Try to keep everything wipedclean — a challenge, of course, considering all the cookingthat will be going on. Organize shelves.

Empty the garbage just before guests arrive. Spray thegarbage container with odor remover to remove any garbagesmell. Don’t use anything with too much scent — the smellof the cooking food should be the allure. And be sure to havean empty dishwasher, because you’ll need all available spaceafter the big dinner. Have extra dishtowels out and availablefor anyone who might want to help with cleanup.

If you run out of time and don’t get to all the bedrooms be-fore the big day, simply close those bedroom doors.

Done. Now enjoy your guests.

Rosemary Sadez Friedmann, an interior designer in Naples, Fla., isauthor of “Mystery of Color.” For design inquiries, write to Rosemaryat [email protected].

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YourSource toall thingsHome &Real Estate!

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Bankruptcy, foreclosure raise hurdles for new loanBy Marcie Geffnerbankrate.com

Buying a home is a challenging goalfor most hopeful homeowners. But forthose who have experienced a bankrupt-cy, foreclosure or short sale, the hurdlesare even higher.Still, it’s not impossible to buy a home

after an adverse financial event, saysDan Keller, a mortgage banker withHometown Lending in Everett, Wash.In fact, Keller says, people who havecleaned up their credit and areotherwise qualified to get a mortgagecan buy a home as soon as they haveoutlasted a prescribed waiting periodafter the bankruptcy, foreclosure orshort sale.

The waiting period can last one toseven years, says Kirk Chivas, chief op-erating officer at First Commerce Finan-cial in Wixom, Mich. The one-year re-quirement applies to buyers who com-pleted a Chapter 13 bankruptcy, have aspotless subsequent credit history andwant to get a new loan insured by theFederal Housing Administration,or FHA, or guaranteed by the U.S.Department of Veterans Affairs. Theseven-year requirement applies tobuyers who experienced a foreclosureand want to get a new conventionalloan that can be sold to Fannie Mae orFreddie Mac.

In between are a number of two-,three- and four-year timelines based on

similar criteria and such other factors aswhether the buyer’s previous mortgagewas current at the time of a short sale orthe size of the buyer’s new down pay-ment as a percentage of the home’s pur-chase price.Generally speaking, the waiting peri-

ods after a bankruptcy tend to be moreblack and white while those after a fore-closure or short sale have more gray ar-eas, Keller says. A waiting period some-times can be waived or shortened if thebuyer’s bankruptcy, foreclosure or shortsale stems from extenuating circum-stances or a hardship beyond his or hercontrol.Technically, it is possible for a buyer

whose prior loan wasn’t in default at the

time of a short sale to get a new FHA-in-sured loan with no waiting period,Chivas says. But he’s never encounteredanyone in that situation.

Buyers must have very clean or per-fect credit histories before they can buyhomes after bankruptcy, foreclosure orshort sale. A slip-up as small as one latecredit card payment could disqualify apost-bankruptcy buyer from some loanprograms, even if the waiting period hasbeen completed, Keller says.

“Bankruptcy is a serious word,” hesays. “If you do it, it’s a get-out-jail-freecard. But once you get out of bankrupt-cy, you need to be flawless in your

Continued on 8

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TO SEE ALL OF DIANE’S LISTINGSWith Detailed Information, Multiple Photos & Virtual Tours,

For Further Details Of These Listings And:

www . d i a n e s t ow . c omwww . d i a n e s t ow . c omEmail: [email protected]

Experience Isn’t Expensive...It’s Priceless

The

Team

HappHappy Ty ThanksgivinghanksgivingTo You & YoursTo You & Yours

2076 Skylark Court2076 Skylark CourtFantastic 2 Story near McIntosh Lake.4 Bed, 4 Bath w/3622+/-tot.sq.ft.Vaulted ceilings in liv/din area, Eatinkit. opens to fam. rm w/gas frplc. Lgmstr w/5 pc bath updated w/marble& granite touches, dbl sinks & jettub. Bsmt prof. fin. w/rec rm, 3/4 bath,study & conf. bedrm. Kitchen w/raisedpanel cabinets, hdwd flr & pantry.East side cov.patio in tree-lined bkyd.Great schools, near shopping, tennis,

walking trails & canoeing.$350,000$350,000

1683 Radcliffe Place1683 Radcliffe PlaceAMAZING 1534 sq. ft. IN-LAW UNITW/MTN VIEWS, Kit., Din area, 2bedrms,2 baths,Gas Frplc, Cov Patio,2 Car attgar, fenced yard w/water feat.,Priv drive,entry & laun, all on the walkout level ofthis FABULOUS 2 story w/3 bedrms,3baths & 5454+/-tot.sq.ft. Grand livingspaces incl. BIG remodeled gourmeteatin kit., BIG mster w/lux bath, & privbalcony. 3 car att. gar. Near lake,golf,

park,schools & trail.$625,000$625,000

9455 Crystal Lane9455 Crystal LaneINCREDIBLE HOME W/AWEINSPIRING MTN VIEWS on pastoral 10(+/-) acre lot gated subdiv. 4 Bed, 7 Bathw/ 8814+/-tot.sq.ft. Flawless attention todetail, Mstr w/Morning Bar,19x18 retreatw/see-thrufrplc,Library/Study. Gourmetkit. w/Butler’s Pantry, PotFiller Sink atGas Cktp,Alder Cabinetry, Walkin Pantry.Elevator to Wlkout Bsmt w/In-law suite,Lg. Rec.Rrm w/frplc, wine cellar, Multi-Purposerm(5thBedrm).Wraparound

Deck & More!$2,500,000$2,500,000

New Construction. 2 story, 3 beds, 3baths, 3 car tandem garage, A/C, fire-place, hardwood floors, loft area, studyon main, 5 piece bath, & much more.

$232,000

[email protected]

3 bb dd 3

$232,,000OPEN SUN 11-2

oonn mmaainn,,, 55 pppppiieecee bbaatthh,,,, &&Drawing for gift card to allvisitors who register!


Continued from 7

credit. Don’t even drop a gumwrapper.”

Credit dings can be difficult to sortout for buyers who experienced a loan

modification or short sale, in partbecause, as Chivas says, there’s “noconsistency” in how lenders reportthose events to the credit bureaus.Buyers should review their creditreports and correct any errors orclarify the circumstances of adverse

items.Stable employment can be a plus,

Keller says, noting that some loan pro-grams are more lenient than others. “Ifthere was a gap, it needs to be ex-plained.”Given these complexities, buyers are

advised to consult a loan officer or mort-gage broker early for advice.“You want to speak to someone as

soon as you start dreaming it up in yourhead” that you want to buy a home aftera bankruptcy, foreclosure or short sale,Chivas says.

Allow

Smoking?

Lease

Required

#of

Baths

#of

Bedrooms

Deposit

PriceRange

Pets

Washer/Dryer

Facilities

Washer/Dryer

Hook-ups

Other

Amenities

Reach over 44,000 Readers Each Week With Your Advertising Message.Call Your Classified Advertising Executive Today 303-776-7440

Hover Manor Senior ApartmentResidence

1401 Elmhurst Dr. • 303-772-9292

$885-$890

$835-$840 1 1 Yes No Yes Yes

Secure building, quietneighborhood, meal program,

transportation, utilitiespaid, appliances & cable TV

included,62 yrs & older; vouchers

accepted.

Victoria Inn2400 17th Ave. • 303-772-4667

$749-$899 $250 1, 2 1, 1¾ Yes Yes Yes

In eachapart-ment

A/C, D/W, cable ready, balconyor deck, carport,

outdoor pool, close toshopping & bus stop.

The Shores at McIntosh Lake2450 Airport Rd. • 303-774-8000

$729-$1200

$100$200$300

1,2,& 3 1,2

YesShortTermAvail-able

Yes Yes Yes Yes

Gas fireplaces, 24 hr. fitnesscenter, heated pool & hot tub,A/C, business center, gourmetkitchens, detached garages.*On selected apartments.

Elliott Apartments418 Emery St. Longmont, CO

80501 • 303-772-6452www.elliottapartments.com

$610-$990 Yes 1, 2, 3 1, 2 Yes Yes Pets

Neg. YesIn historic Longmont, largetrees, quiet neighborhoodon-site parking & storage.Close to RTD. Heat included.

Fox Ridge Apartments3800 Pike Rd., Longmont, CO

80503 • 303-774-9944

$789-$1239 $200 1, 2, 3 1, 2

YesShortTermAvail-able

Yes Yes Yes Yes

Island kitchens, gardentubs, gas fireplaces, doublebalconies, two tone paint,gated community. Close toschools & newest community

in Longmont.

Tanglewood CondominiumsSenior Community

100 21st Ave., Longmont, CO80501 • 303-774-0300

$1240-1625

$1240-1625 1, 2 1, 2 Yes Some

Yes$50+mo.

Fullsize

in eachcondo

W/Dpro-videdin eachCondo

All utilities & cable paid, sec.bldg., elevator, W/D in everyunit, transportation, socialevents. HUGE amenities

package, quiet 55+ community.Call for incentives! Parkinggarage & storage units

Complex

Name

Address

Phone

Longmont,CO


place your ad 303.466.3636 Boulder/Broomfield/longmont or 970.635.3650 loveland or frontrangeclassifieds.com

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Broomfield Enterprise

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RH Weekly

With FrontRangeClassifieds.com, you’ll reach 368,000 local consumers ready, willing and able to buy in 3 regions:

reach your

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Real EstatePLACE YOUR AD: 303.466.3636 BOULDER/BROOMFIELD/LONGMONT OR 970.635.3650 LOVELAND OR FRONTRANGECLASSIFIEDS.COM

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PLACE YOUR AD.Call 303.466.3636or 970-635-3650

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Tri-level withnewer kitchen,baths, interiorpaint, hardwoodunder LR, DR, 3bedrooms.

Fenced yard, 2car, $202,500call for details.

Classified Ads getResults very, very fast!

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WOW! Downtown Louis-ville. Get your dreamhome! Will consider

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EMPTY YOURGARAGE

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5000 Homesfor Sale

BrandNew

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Beautiful 3 bed2 bath lot rent

special!Swimming poolClubhousePlaygroundNew fitness roomHuge Deck w/ GreatMtn Views

Financing availablePet Friendly

Sun Homes atEagle Crest

1-888-649-5616

4eaglecrest.com

*Expires 11/30/11[]

5007 Mobile HomeFor Sale

1970 14x65 2BR, 1BALarge living room &

dining room.Swamp cooler &

new hot water tank.Over 55 Community.

Asking $10,000303-776-7630

5007 Mobile HomeFor Sale

For Sale or Lease3 BDRM single &

double wides- familypark. 303-772-3240

LONGMONT 3 br 2ba Central A/C,

fenced yard, Likenew, Remodeled,Located in over 55Mobile Home Park

(303) 377-1668.

Mobile Home 1971Magnolia $6000

needs work.720-254-7763

OPEN HOUSE Sat11/26 1-3pm 3BR, 2BAEagle Crest 10901 Au-

tumn St., Firestone$37,500 Seller financ-

ing avail.Call303-725-8388 or

303-459-2711

6000 Homesfor Rent

1BR Apt in N Long-mont 62 or older or

persons w/disabilitiesCall for move-in Spe-cials 303-485-5232

2 BDRM, 1 BA ranch,N/S, N/P, 2 car gar,

A/C, frpl, $985+ dep,Sr disc. 303-746-9395

2 BDRM APTS,Starting at $650 Availnow! Sorry no pets.PWP (720)233-1180

(303)447-1502

38 Dartmouth Cirspacious ranch 3-4BR,

3BA, hw flrs, frplc,W/D, 2 car $1450/mo

303-530-7149

3 BDRM, 6 YRS OLD,3BA, A/C, frplc, 2car gar, 2 sty, Lg

mstr suite. 1900 sfUnfin bsmt. $1350.,

Longmont303-905-6600

643 Terry 3BR 1.5BAGarage. $1000/mo.

RMG Realty303-772-4466

6000 Homesfor Rent

3BR 1.75BA 1400 Sq Ft,2-Car Garage, LargeDeck, Fenced BackYard. New Carpet &Paint. Close to Park.1200/mo, $1400 dep.

303-877-3687.

6 Individual privatesuites in spacious

beautifully appointed,fully furnished Mtn

Chalet. avail. Jan 10to April 28, 2012. Per-fect for faculty/gradstudent on sabbati-

cal/scholarship study.Chef’s kitchen, li-

brary, indoor pool,exercise room. Locat-

ed approx. 50 min.from the CU campusin Allenspark w/ easy

access to Hwy 7.$1500/mo: shorter

stays negs.Call 303-747-0887

SELL YOUR STUFFList your stuff

and get it done.Items less than

$500: FREE3 lines, 7 days.

Items $500 or more:$10, 5 lines, 30 days.

Place your ad.Call

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Available Now!3br, 2ba home w/

great park & schoolsnearby. W/D hook-ups, fireplace, 2 car

garage,1600sf, N/P/S$1200, 2021 Spencer

St. 303-591-2351

Frederick 3BR, 1BA indwtn fncd yard, newlyremodeled $945/mo

516-984-8922

Longmont 3BR, 2+BA,spacious, 2 car gar,A/C, W/D hookups,2000sf, great cond.$1600 303-483-1724

5000 Homesfor Sale 5000 Homes

for Sale

LONGMONTREALTY

303-772-7576629 Terry St., Longmont

www.longmont-realty.com

8707WILD HORSEWAY,FREDERICKBeautiful 4BR/3BA/3Car isready for the moving truck.Fresh paint and carpet, masterbath suite with sitting room,tons of upgrades. $334,900

24-26 CEDAR CT.,Discover the terrific incomepotential here. Duplex ingreat central location needssome TLC, has plenty ofoff street parking available.$168,500

2219 SHERMAN ST,Tri-level is ready for yourfinishing touches. 3bedroom, 2 bath needssome TLC, then you canreap the rewards of homeownership. $144,900

LONGMONTREALTY

303-772-7576629 Terry St., Longmont

www.longmont-realty.com

106 DAWSON PL.,DUPLEXperfect for the owneroccupant to live on one sideand rent the other! TLCwill turn this into a greatproperty. $149,900

384 CONRAD DR.Move right into this 3 BR,3 BA home with beautifulflagstone patio. Newlyupdated and ready to beenjoyed! $218,900

1971 AMETHYST DR.Gourmet kitchen, newappliances, fresh paint, newcarpet and vinyl. All youneed to do is move in andenjoy! 5 BR / 3 BA / 3 CarGaragewith partially finishedbasement. $494,900

Private party and general merchandise only. No refund for early cancellation.

drive your

wheelsList your car and get ready to roll.

$10, 3 lines, 30 days


Real EstatePLACE YOUR AD: 303.466.3636 BOULDER/BROOMFIELD/LONGMONT OR 970.635.3650 LOVELAND OR FRONTRANGECLASSIFIEDS.COM

FINDIT.

SELLIT.

FAST.6000 Homes

for Rent

FALLSPECIALS!FREE RENT& reduceddeposits!!Brand NewHomes to

RentStarting at

$829/Month!3 to 4

bedroomsand 2 baths

Fitness roomClub HousePlayground

PoolPet Friendly

Expires11/30/2011

Sun Homes At

Eagle Crest888-246-5232www.4eaglecrest.com


6001 Apartmentsfor Rent

1, 2 & 3 BDRMApartment Homes

The ShoresApartments,

Hwy 66 & Airport Rd(303)774-8000

1 & 2 BDRM Apt HomesFox Ridge Apts PremierGated Community. PetsOK! For Info & Specials

Call (303)774-9944.


1 & 2 BedroomApartment Homes

Ute Creek AptsE 17th & Pace(303) 684-6821

utecreekapts.com

1 & 2 BR Apt. HomesVictoria Inn Apts.2400 17th Ave.

For info & specials,call 303-772-4667.

TURN USED ITEMS intoQuick cash with Classi-

fieds!

2 BDRM APTSStarting at $645/monthCall PMP, 303-776-RENT

APTS YOUR CHOICE!www.alertrealty.net

Large bright 2 Bdrm,1 ba, W/D, A/C, Deck,

parking, N/P/S2041 Meadow Dr.

$740-$780 303-443-4308

Newly Remodeled2BR, 1BA. LongmontHousing accepted.

303-530-0991


Nice 2BR mobilehome in Erie, W/D,

no pets, $650735 Kattell #115

303-980-1204


ROOMS & ApartmentsWeekly/Monthly, from$100/week. Utililties in-cluded. (303)931-7108


VALUEPLACE

FIRESTONE

ExtendedStay Hotel

$179.99/wkfor SingleStudios.

Perfect forvisiting

friends &family!

I-25 & Hwy119,

Longmontexit 240.

303-485-0040

Limited AvailMust bring ad

at check-into qualify.*Expires11/30/11

*New GuestsOnly*


6002 Townhomes/Condos for Rent

2 BDRM, 1.5 BA, carpet,drapes, refrig, D/W,self cleaning stove,

central A/C, gas heat,W/D hkup, fncd backyard, 2 car gar. Nopets. $850 + dep.

1424 Kay St., Long-mont 303-776-1287 or

303-747-2219.

2 BDRM, 1.5 ba,washer/dryer hook

up, car port, storage,patio. $825. Refs &deposit required.

720-334-0695

2BR, 1.5BA TownhomeW/D, 2 car gar., AC$935/mo No pets. CallMark 303-417-0668

Heritage TownhomeImmaculate! 2200sf,2BR, 2 living areas,

2.5BA, study, fp, deck$1450 303-442-8693

6005 Apts. forRent Furnished

NO lse,dep or credit chkWkly/4-wk, 303-776-2185ALSO RV SITES AVAIL!


SEMI-FURN Rooms/AptsWkly/mnthly from $100/wkUtils/micro/fridge incl

(303) 931-7108

WHEATON DRIVE,FORT COLLINS CO -$575,

1 br, 1ba, 1 CarAttached gar. ,heat,water, Elec, DW, NrPub Transp, New-

lyRen, WD, Hw Flrs,AC,Eat-in-Kitchen,

large /smalldogs al-lowed, garbage, stor-age space, parking,

[email protected] forarrangements.

6007 Duplexes

Lg 1BR 1BA: NewCarpet. Gas & H20 pd

N/P. 431 Main St$600. 303-931-4926.

6009 Housemates/Roommates

1BR in c lean 2BRhome, storage, W/D,yard. Refs. req’d $575/mo 303-702-0643

Male/Fem to sharehome. $400/mo

$200/dep. Inc utils.303-776-6677

Share small house inOld Town Lgmt. Pets

OK, mo-to-mo or 6 molse. $375/mo + 1/2utils 303-772-1967


fieds!

6015 Retail Spacefor Lease

2773 SQ FT- Busyshopping center,

1116 Francis St, $825.Alert RE 303-776-5156

6016 Office Spacefor Lease

255 WEAVER PARKCLASS “A” secondfloor office space for

lease or sale. Commonarea, conference room,elevator, mountain views.

1 yr Free Rent!

Don Rulle, CCIM303-772-22222036 ESTES LANE -

2 Bdrm, 1 Bath,off st pkng & laundry,$595. 303-960-5851.Se habla español.

2700 sq ft $1250/moCentral location.

303-652-3762

Qualty Single Offices$350 to $500, free

utils. (720)280-9047

6016 Office Spacefor Lease

3 DowntownBoulder offices for

lease

1007 Pearl Street,553 sf, 1,033 sf,

1,812 sf$20 / sf NNN,

Call Doug or Bo at303-443-8850

PROFESSIONAL OfficesN Lgmt 1400 sf suitew/ 8 offcs. Also 150to 825 sf single ofcs& 3 office suite. Allgrnd level, 2 entr, grtprkg. 303-956-1141

6017 Indust./Comm’lfor Lease

Dry Storage Start-ing at 8000sf,

$1200 in S. Lngmtoff Ken Pratt Blvd

303-472-4542

Place your ad.Call 303-466-3636or 970-635-3650


fieds!


6018 Storage Spacefor Lease

INDOOR GARAGE &Commercial Storage20x40x16 w/14x14doors start at $325.20x50x16 w/ 30 amp

elect, man door &pwr door opener

start at $425.Garage Storage LLC,

4070 Camelot Cir,located I25 BusinessPark. I-25 & Hwy-66.970-535- 6074 www.Longmont-storage.

com

JOBS. WHEELS. HOMES. STUFF.

FIND IT. SELL IT. FAST.


Real Estate Transactions are supplied byProspects Unlimited Inc.,www.prospectsunlimited.com, 303-979-9536.

Longmont• Marina Sicaras from Carolyn S Pem-

berton Trust, 1238 Collyer St, Long-mont, $195,000, home• Pamela Pierre from Kurt Brady, 2101

Bowen St, Longmont, $157,500, home• Stephen & Velia Wilder from Don

Chandler, 945 Hover Ridge Cir, Long-mont, $216,500, home• Eliza & Eric Klinger from Fannie

Mae, 1690 Judson Dr, Longmont,$209,700, home• Jason Jolly from Brian Hansen, 3389

Larkspur Dr, Longmont, $264,300,home• John & Karin Higgins from Jeremy

Martin, 156 Sunset St, Longmont,$115,000, home• Steven & Lori Miller from Maurice

S Helen M Closs Trust, 1439 Beatrice Ct,Longmont, $215,000, home• Walid & Hend Seif from Athena Na-

gi, 5244 Bella Vista Dr, Longmont,$375,000, home• Erich & Sara Dipert from James

Nicolaus, 128 Bowen St, Longmont,$182,600, home• Joanne & James Robinson from

Hans Ruhnke, 1411 Pinewood Ct, Long-mont, $225,000, home• Christopher Brown from Michael

Settles, 2209 Smith Dr, Longmont,$249,900, home• Karen Rank from Brian Artzer, 723

Ridge Creek Ct, Longmont, $410,000,home• David Starnes from BAC Home

Loans Servicing, 929 Tenacity Dr, Long-mont, $327,600, home• Kristin Baird from Michael Lewis,

8625 Portico Ln, Longmont,$1,175,000, home• Steaven & Beth Landon from Jeffrey

McBride, 1346 McClure Dr, Longmont,$189,900, home• Lawrence Birdsall from Joaquin Me-

lendez, 3331 Mountain View Ave, Long-mont, $202,800, home• Dennis & Deborah Precht from

Constance Moehle, 9189 FleetwoodAve, Longmont, $232,000, home• Helen Landers from Jerome Robin-

son, 1419 Red Mountain Dr Unit 63,

Longmont, $130,000, condo• Anthony & Gillian Bozanic from So-

lar Village One LLC, 2010 Ionosphere StUnit 10, Longmont, $99,000, condo• Sarah Bonsall from Tim Starr, 927

Grant St, Longmont, $130,000, home• Tonia Niforos from Charlene Trep-

ke, 6691 Saint Vrain Rd, Longmont,$320,000, home• David & Lisa Hambly from Robert

Winnicki, 2118 Seaway Ct, Longmont,$435,000, home• Ann Bail from Aurora Loan Services

LLC, 180 Mount Massive Way, Long-mont, $165,100, home• Marilyn Ewing from Colorado Oaks

LLC, 2445 Santa Fe Dr Unit D, Long-mont, $282,700, condo• Kyle & Erica Murphy from Lennar

Colorado LLC, 1728 Trevor Ct, Long-mont, $265,900, home• Matthew & Anna Carter from

Michael Mutmansky, 1512 Ashcroft Dr,Longmont, $238,500, home• Christopher & Melissa Portillo from

Shawna Callaghan, 607 Folklore Ave,Longmont, $274,000, home• Lavern & Loretta Johnson from

Douglas Dutton, 1512 Aspenwood Ln,Longmont, $255,000, home

Berthoud• Brad Hunting from Jennifer Mc-

Neill, 5614 W County Road 8E,Berthoud, $420,000, home• Thomas & Denise Londrigan from

Mountain High Home Builders In, 905Wilshire Dr, Berthoud, $285,900, home• Zachariah & Shara Larson from Dee

Sherrill, 500 Mayo Ct, Berthoud,$299,900, home• Jon & Erica Eggers from Fannie

Mae, 480 Capitol Ave, Berthoud,$230,000, home• John & Kerri Atkinson from George

Krem, 1121 Jefferson Dr, Berthoud,$244,500, home• Jacob Hains from Neil Swedbergh,

1405 N 4th St, Berthoud, $169,500,home

Dacono• Miller LLC from Sanchez Invest

LLC, 730 Glen Creighton Dr, Dacono,$226,000, home• Dennis & Kathy Cooper from Eagle

Meadow Llc, 3902 Kestrel Rd, Dacono,

$71,200, home• Cristal Zamora from Fed Home

Loan Mtg Corp, 220 7th St, Dacono,$120,000, home• Peter & Susan Day from Unitz LLC,

151 Mt Elbert Ave Unit D6, Dacono,$101,600, condo

Erie• Matt & Mandy Palmer from Judson

Standard, 2202 Bayberry Way, Erie,$292,000, home• Robert Watson from Todd Kannegi-

eter, 782 Pope Dr, Erie, $445,000, home• Timothy & Stacy Potten from Stuart

Morigeau, 2894 Hughs Dr, Erie,$350,000, home• Bradley & Tara Lewis from Travis

Declerck, 2168 Pinon Cir, Erie,$415,000, home

Firestone• Jason & Jill Larson from Michael

Childers, 6984 Sunburst Ave, Firestone,$275,000, home• Barry & Michelle Zitting from DFS

Invest LLC, 5973 Tenderfoot Ave, Fire-stone, $272,500, home• Raymond & Giuliana Cundiff from

Dion Eads, 5785 Silverleaf Ave, Fire-stone, $237,000, home• Tonya Murray from Fannie Mae,

167 Buchanan Ave, Firestone, $169,000,home• Shawn Dunkin from Journey Homes

LLC, 5175 Remington Ave, Firestone,$213,000, home• Scott & Traci Morrison from Harold

Teller, 5930 Shenandoah Ave, Firestone,$175,000, home• Barry Lasalle from Wendell Ito,

5392 Remington Ave, Firestone,$214,000, home• Jonathan & Angela Dykhuis from

Debbie Schenkelberg, 10241 Echo Cir,Firestone, $205,000, home

Fort Lupton• Mayra Zamora from Thomas Allen,

16245 Good Ave, Fort Lupton, $98,000,home• Vianey Carreon from Jason Larson,

285 Wagonwheel Dr, Fort Lupton,$169,000, home• Wayne & Karen Phillips from Iris

Matney, 10967 Blue Sky Dr, Fort Lup-ton, $296,000, home• Leonard & Sherri Toews from Bev-

erly Lambrecht, 5535 County Road 23,Fort Lupton, $400,000, home

Frederick• Anthony & Marva Defalco from An-

thony Defalco, 5009 Mt Osage St, Fred-erick, $220,000, home• Michael Ciembronowicz from Todd

Marriott, 9000 Eldorado Ave, Frederick,$232,000, home• David & Sarah Maples from Gary

Knight, 5546 Drake Way, Frederick,$259,200, home• Travis & Heather Ledgerwood from

Saint Aubyn Homes LLC, 9067 Sand-piper Dr, Frederick, $257,500, home• Ching Lor from Melody Homes Inc,

4473 Bramble Rd, Frederick, $229,900,home

Lyons• Julia Rider from Mary E Essex Liv-

ing Trust, 87 Riverside Dr, Lyons,$125,000, home• Richard Johnston from Andrew Kir-

uluta, 637 1st Ave, Lyons, $440,000,home

Niwot• Andrew Robertson from Eileen John

Josey Living Trust, 7173 Burgundy Dr,Niwot, $470,800, home• Michael Huffman from Mike Hil-

dreth, 7522 Monarch Rd, Niwot,$418,000, home

Platteville• Belle Buchholz from Highland Prop-

erties 511 LLC, 4830 County Road 34,Platteville, $350,000, home• Ryan & Elisha Mcwilliams from

Plumb Constr Inc, 313 Disc Ln, Plat-teville, $257,900, home

Foreclosures – notice of election anddemand• Borrower: Michael & Marnita Kau-

mans, Lender: The Bank Of New YorkMellon, Amount: $1,000,000, Property:6565 Legend Ridge Trl, Batesburg, Filed:11/04/11• Borrower: Thomas Blair, Lender: JP-

Morgan Chase Bank National Associa-tion, Amount: $151,663, Property: 744Bunyan Ct, Berthoud, Filed: 11/03/11• Borrower: Lori Langerak, Lender:

Onewest Bank FSB, Amount: $126,888,Property: 316 E Iowa Ave, Berthoud,Filed: 11/09/11

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OPEN HOUSEDIRECTORY

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Get a full color picture of your open house, the open house hours, address, price and yourname and phone number featured at the top of our popular Open House Grid!

- Limited spots available per week on a first-come basis -

Call Thais Hafer 303.473.1456 [email protected] Mark Webber 303-473-1452 [email protected]

ONLY $49!ONLY $49!

Day Price Location Address Hours Office Phone

Friday-Sunday $150,000+ Milliken 110 Traders Lane Fri-Sun 12-3 The Group, Inc/Wilson 970-567-0907

Saturday $350,000 Longmont 620 Gay Street 12-3pm The Group, Inc/Wilson 970-567-0907

Saturday $255,000 Longmont 1608 Oak Ridge Lane 10:00am -12:00pm Coldwell Banker Res Brokerage - Torres 720-320-1405

Saturday $328,000 Longmont 2136 Springs Place 1PM-3PM Wright Kingdom/Mary Colwell 303-775-7135

Saturday $359,900 Longmont 621 Glenarbor Circle 1:00pm - 3:00pm Coldwell Banker Res Brokerage - Torres 720-320-1405

Saturday and Sunday $189,000 Longmont 2405 Calais Drive, Unit F 11-3pm Ajax Real Estate, LLC/Sample 303-678-8830

Saturday and Sunday $233,000 Longmont 1637 Venice Lane 11am - 4pm Boulder Creek Builders 303-309-0088

Sunday $232,000 Johnstown 2121 Blue Wing Drive 11-2 pm Re/Max Alliance/Spotanski 970-213-3603

Open Sat & Sun 11-4pm1637 Venice Ln

Longmont$233,0001,400 Sq.Ft. Dual Masters, 2.5 Bath

Oak Hardwood, Alder Cabs, Tile Counters

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www.livebouldercreek.com • 303-502-5338

Open Sat & Sun 11am-3pm2405 Calais Drive, Unit FLongmont $189,000Price Reduced Over 20k! LuxuryRanch 2bd/2ba Condo. BRANDNEW CONSTRUCTION!

Attached garage.

Ajax Real Estate, LLC • Cheryl Sample 303-678-8830

Tracy Wilson/The Group Inc. • 970-567-0907

Open Fri-Sun 12-3110 Traders Lane

MillikenPrices starting in the $150’s

NEW CONSTRUCTIONPick your own fixtures, carpet & colors. Wonderful ranch style &2-story home plans to choose from. Your choice of 3 great subdi-visions to live in – Settlers Village – Colony Point or CentennialFarms. VALUE YOU CAN SEE…QUALITY YOU CAN COUNTON with a WINDMILLS HOME. Visit us at 110 Traders Lane inSettlers Village. 100% FINANCING! NO MONEY DOWN!

Tracy Wilson/The Group Inc. • 970-567-0907

Open Sat 12-3620 Gay Street

Longmont$350,000

LOCATION! LOCATION! LOCATION! Cottagebungalow in Old Town. Feels like home the minuteyou step inside. Beautiful updating throughout.Gorgeous mature landscaping with court yards,ponds, secret garden walkways and an adorablefront porch. Close to parks and restaurants. Make

your private showing appointment today!

Documents

Home and Real Estate Weekly