Real Estate Guide

Saturday Reporter-Herald Au g u s t 7, 2010 E1

www.homeandrealtyguide.com Saturday, August 7, 2010 Reporter-Herald• •

Lending Myths

RH PA I D A D V E RT O R I A L

You have most likely readand seen the news storiesall over the media: “Yo u

need 20 percent down to get aloan,” or, “if you don’t have per-fect credit you cannot get aloan,” then, “only the peoplethat don’t need a loan can getone,” and, “it’s a great time tobuy but nobody can qualify.”

There are too many scenariosto list. Ask the average personon the street, and they will prob-ably tell you the same thing. Af-ter getting the constant nega-tive drum beat of the media, it ishard not to think this.

None of this is true. It is truethat investors like Fannie Mae,Freddie Mac, FHA and VA havestricter standards than in yearspast. The industry is close tohaving the same guideline re-strictions that it did in the early90s. The difference betweenthen and now is homebuyershave been spoiled with the easeof lending from 2001 to 2008.The transition has been a veryhard one for most people to ex-perience, although most willagree consumers needed stricter

standards for lending after thehousing bust.

Extending credit has alwaysbeen about three things — cred -it, collateral and capacity. Collat-eral is the easiest. The houseneeds to appraise for what thepurchase price is. Credit is next;if you have paid your bills ontime, getting a loan should beeasy. If you have had some creditissues, there are still many re-sources available for loans tofit you. Capacity is where theproblems come up. It is hard

sometimes toverify a steadystream of in-come, especiallyfor self-employedbuyers.

The bottomline is do not leta media storystop you from try-ing to buy a home. Talk to a rep-utable lender and get your ap-proval. If credit, collateral or ca-pacity is stopping you today,lenders can get you on the path

to buy in six months to a year.The climate for affordability inhomes, along with the lowestrates in history are just too goodto pass up.

RH photo

Can you reallyget a mortgagethese days?

Mortgage rate update

30-year fixed

15-year fixed

5/1 ARM

This week Last week Tre n d

4.57%

4.03%

3.60%

4.59%

4.05%

3.64%

Sell withSpace

Use the value ofspace when sellingJILL SCHUETTSPECIAL TO THE RH

Home buyers are searchingfor square footage and spa-ciousness. So why not give

it to them? Even though a house issmall, a seller can still earn top dol-lar on its sale by taking the time toplay up its positive features andsize. That is what home staging isall about. Setting the stage to sell asmaller house on the market canhelp the 90 percent of buyers whoare unable to see all it has to offer.That’s right — home staging statis-tics show that only about 10 per-cent of buyers can actually visualizethe potential of a home. So hereare a few simple solutions to helpbuyers see and feel the space theycrave, and put in an offer:

PARE IT DOWN

• In a space-challenged livingroom or family room, start by edit-ing furniture. Pare it down to onesofa and coffee table if necessary.Bring in a dining room chair witharms if there is room. Dress it upwith a small decorative pillow or athrow over the side. The smallerthe furniture and the less there isof it is best to really make thatsquare footage shine.

• Eliminate small pieces of artand plaques on walls as well as per-sonal family photo galleries. Toomany small items on walls tend todistract the eye and enclose thespace.

• Remove area rugs on carpetedfloors as they tend to make roomsappear smaller.

• Clear any excess clutter on thefloors, on shelves and in corners ofrooms. Pack up collections of smallpieces like figurines.

• Remove and store large screenTV’s, stereos and equipment thatcan often overpower a room.

PLAY IT UP

• A simple trick to make a livingarea appear larger is to pull sofasand other furniture off of the wallabout six inches. By doing this, itcreates instant depth and a feelingof spaciousness.

• Place a larger mirror with apretty frame across from a picturewindow, say, over a sofa to reflectthe natural beauty outdoors. A mir-ror acts as an art piece while visual-ly enhancing the size of the room(this works great in entryways too).

• Use a fitted slipcover in awhite, tan or cream adorned withpretty throw pillows to update aheavy dark colored sofa. This willinstantly brighten and visually ex-pand the space.

• A glass-top coffee table is theperfect choice to allow the poten-tial buyer to see more of the floorunderneath, which translates into amore spacious feel.

• Keeping interior wall paint col-ors neutral, light and fresh andchoosing updated, simple windowtreatments that match the wallcolor, are a sure way to make aroom appear larger.

GET IT SOLD

By putting in the work to showoff square footage by setting thestage to sell a smaller home, it issure to stand tall against the com-petition and earn big rewards.

Jill is a Home Staging Expert(HSE) certified stager and redesignspecialist serving the Northern Col-orado area. For questions or moreinformation, e-mail Jill Schuett ofApplause Home Staging, LLC, [email protected], or go tow w w. a p p l a u s e h o m e s t a g i n g . c o m .

We’re ready to GO!Please visit our new location at

2809 East Harmony Road, Suite 200Fort Collins, Colorado

(Southeast corner of Harmony and Corbett)

970.206.HOME (4663) | www.Colorado-Cornerstone.comCheck the license status of your mortgage loan originator at www.dora.state.co.us/real-estate/index.htm.

Gene Humphries • NMLS 247425 | Jim Hunter • NMLS 266865

WHO YOU DO BUSINESS WITH.

Providing Service with Integrity

26-313725

34-314988


Home & Real Estate isproduced every Saturday

by the Loveland DailyReporter-Herald.

EDITORIAL INFORMATION635-3656

DISPLAY ADVERTISING669-5050

CLASSIFIED ADVERTISING635-3650

Regional Snapshot for Loveland/Berthoud Residential

April 2010 May 2010 June 2010

Active Listings 1126 1117 1101Previous Year Active Listings 1069 1080 1095

Sold Listings 138 158 169

Median Sales Price $199,900 $214,500 $234,000Previous Year Median $183,500 $198,000 $207,500

Average Days on the Market 105 117 132Previous Year ADOM 127 125 121

Year to Date Listings Sold 401 559 728Previous Year YTD Listing Sold 334 440 579

Monthly Volume $34,199,536 $39,407,269 $47,395,158Previous Year Monthly Volume $23,882,898 $24,919,043 $34,313,560

Pr i c e : $327,000Built in: 1999Square feet: 3,479Bedrooms: Four plus denBathrooms: 2.5

This two story home is located inthe Villages at Mariana Butte,overlooking an expanded green

belt area with views of lakes and moun-tains. It features granite countertops,newer flooring, an open two story en-try and great room and a bonus loft.Open house Sunday 1-4 p.m.

Contact:For more information,contact Rick Kelleher of ColdwellBanker at 970-980-7218 or e-mailr i c k l ke l l e h e r @ m s n . c o m .

4688 Twin Peaks Ct.,L ov e l a n d

H& Property of the WeekREH&

Real Estate

Tr a n s a c t i o n sRE

Real Estate Transac-tions are supplied byProspects Unlimited Inc.,1151 Eagle Drive No.467, Loveland, CO80537, 667-1537.

L oveland• Christopher & Suzet

Gebhardt from WilliamE Linda F AndersonTru, 2005 Frances Dr,Loveland, $390,000,home

• Barbara Busby fromCain Roger L & Alice M,208 S Jefferson Ave,Loveland, $261,000,home

• Christina Pedersonfrom Alsum Patrick J& Margaret A, 3535Donath Ave, Loveland,$257,000, home

• Joseph Ewing fromBuehler Beverly L, 2730Farisita Dr, Loveland,$344,900, home

• Robert & Linda Mc-daniel from GardnerJohn W C & Jesse L,421 W 6th St, Loveland,$164,000, home

• Michael & Amy Es-tergard from LheureuxMark J & KathyrineR, 3406 Banyan Ave,Loveland, $272,900,home

• Jonathan Griffithfrom Loveland MidtownDevelopment I, 950 An-dromeda Dr, Loveland,$203,900, home

• Robert & PatriciaGarner from MerrellJoshua Arthur &Heather A, 3875 BuenaVista Dr, Loveland,$188,000, home

• Clay & Carolyn Ash-ton from ShanahanBrendan M, 4208 SilenePl, Loveland, $260,000,home

• James & JuanitaWoods from SweattCaprice, 579 E 9th St,

Loveland, $164,000,home

Berthoud• Thomas Pszenny

from Berthoud Develop-ment LLC, 1620 Holly-berry St, Berthoud,$247,900, home

• Patricia Hill from En-derle Dwayne J Jr & Car-la S, 407 Colorado Ave,Berthoud, $168,700,home

Estes Park• Carl & Carol Orser

from Barber James W &Betty Jo, 1360 MatthewCir, Estes Park,$349,000, home

• Eugene & DoloresHayes from StappRobert A, 630 HighlandLn, Estes Park,$268,000, home

• Lee & MichelleClaymore from LarsonJohn, 329 Turquoise Trl,Estes Park, $195,000,home

Windsor• Frances Sealy from

Blum Jack F & BarbaraR, 2094 River West Dr,Windsor, $365,000,home

• Jesse & Dione Kelmfrom Winner R Scott &C Joy, 201 Pelican Cv,Windsor, $340,000,home

• Mitchell & ShannonLarson from EschinoRobert P Jr & Anne L,6527 Aberdour Cir,Windsor, $398,000,home

• Devin & WendyJones from RichardsScott & Jill, 129Rock Bridge Ct,Windsor, $300,000,home

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750 W. EisenhowerLoveland Loveland

669-1234669-1234

www.HomesInColorado.comwww.HomesInColorado.com

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view more view more propertiesproperties at: at:

32-314962

Julie Stinson622-1809

1949 Hyde Drive, LovelandCute and cozy describes this immaculate tri-level located close to the hospital! 3 beds, 1 & 3/4 baths, central air, nicely landscaped yard with a great deck. Call today to see! MLS #628792 $186,000


2540 Mary Beth Drive, LovelandSW Loveland “Santa Fe” model, 3 beds, 2.5 baths, master with a 5 piece bath, plant ledges, central air, gas fp, full unfinished basement, deck, sprinkler system all at a great price! MLS #618313 $218,500


3070 Tabernash, LovelandImmaculate townhome featuring 2 bedrooms, 2.5 baths, loft, fireplace, 5 piece master bedroom, Sunsetter awning, oversized garage, community pool and clubhouse. MLS #597231 $196,800


2103 Arron Drive, LovelandHUGE LOT!!! Derby Hill ranch with a full finished basement. Needs some updating, but has tons of potential! Hot tub, potting shed, oversized two car garage, mature landscaping, enclosed porch, craft room and much more! MLS #628848 $198,000

2087 Manitou Court #103, LovelandGreat end unit townhome featuring 2 bedrooms, 2.5 bathrooms, 1 car garage with open kitchen, gas fireplace, large master suite w/vaulted ceilings and an unfinished basement for expansion. MLS #633729 $159,900

Brad Rowe461-4241

361 E. 42nd Street, LovelandWell Maintained 4 bed/4 bath home with open floor plan. This home has a master with 5-piece bath and walk-in closet, laminate wood floors, central air and gas fireplace. Call to see today! MLS #629967 $192,000

Nanci Garnand227-1327622-1810

www.4568Mead.com • www.LivingInLoveland.comGreen Built home with 2-car garage, wood floors in kitchen, dining area, and hallway. Master has private bath. Large brick patio with gas line for outdoor grill. Fenced backyard. Full basement. $199,000

De Shunn222-7001

1911 Park Drive, LovelandCustom home, prized neighborhood, 3,080 of nice & newer. Formal & informal living and dining, 2 masters and 5 piece baths. NO HOA, RV/boat parking, oversized garage, awesome location & much more. MLS #633522 $275,000

361 E 42 d St tt L

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1911 P k D i L

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Loveland companygives homes new life

H& Real EstateRE

LINZY NOVOT N YFOR THE RE P O RT E R -HERALD

Freddy Nelson and hiswife, Kari, take neglectedLoveland homes and re-

store them to their formerlives and beauty. The coupleare real estate investors whohave lived in Loveland for sixyears. Their business, Kio-DamKee Properties, is involvedin fixing and flipping homes,but has rental properties aswell.

Fix and flips are propertiesbought, renovated and thensold for profit. Freddy has beenfixing and flipping homes forthe past 15 years, two of thoseyears while in Colorado.

The Nelsons fixed andflipped their first home inSheridan, Wyo., near the bor-der of Montana, 15 years ago.The home was a 1910 Victori-an that Freddy said was in hor-

rid condition. The home hadbeen turned into multipleapartments, so it took sometime for the Nelsons to restoreit to the single-family homethat it once was. Doing therenovations themselves, thecouple made learning mis-takes, but corrected them asthey went, Freddy said. Aftertwo years, and $50,000 later,the home sold for $165,000.The Nelsons purchased thehome for $35,000.

The Nelsons are in the busi-ness of finding homes that arethe worst of the worst in themarket and bringing themback to life, Freddy said.

Some of the homes they buyare dingy with windows thatneed replacing or have over-grown backyards. Other homesonly need a fresh coat of paintand new carpet. More oftenthan not,l the homes thatFreddy and Kari purchase arein need of some serious love.

Purchased homes are eitherbank-owned or from peoplewho are facing foreclosure.The properties are analyzed todetermine profit as well as po-tential renovations. The homesFreddy and Kari purchase aretypically not bought by thegeneral public. These homesare not up to code and becauseof this, people do not qualifyfor FHA loans on them, Freddysaid. He will bring the home upto code to meet FHA standardsso a person can get a loan andpurchase the home.

When closing on a homethey plan to fix, Freddy and histeam go to work immediately.Kitchen and bathrooms are re-modeled, and new appliancesare added to the kitchen. Newhardware is added to fixturesand new fans are put in thebathrooms. Smoke and carbonmonoxide detectors are in-

BEFORE AND AFTER

Left: Loveland home that theNelson’s fixed and flipped.

Photo courtesyRayshell Beaumont

Below: The same home inLoveland after being flippedby KioDamKee Properties.

RH Photo/Linzy Novotny

� See Fix & Flip/Page 4

287

56

2521

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Fantastic open & spacious 2 story home, kitchen, living rm have vaulted ceilings. Tile countertops, main fl oor bath, fenced yard, sprinklers, A/C. Great neighborhood. $150,000 #624872

2155 Settlers Drive, Milliken

OPEN HOUSE SATURDAY 1PM-3PM

Kurt AlbersCentury 21 Humpal, [email protected]

3bdrm, 3ba in Anderson Farm has new int paint & large deck overlooking a well maintained bkyd. Unfn bsmt leaves room for imagination. 2 year Home Warranty & closing cost assist may be available. $189,000

1678 Rhyolite Street, Loveland

LOVELY HOME JUST MADE LOVELIER

Maura OlearyCentury 21 Humpal, Inc.

[email protected] www.century21humpal.com

Convenient 2-bdrm, 2-bath ranch in excellent condition. Spacious great room, skylight in foyer, open fl oor plan, beautiful solid oak 6-panel doors, 2-car garage, and covered patio. $179,900

685 Radiant Drive

OPEN SUNDAY 1 TO 4 PM

Carolyn WadeRE/MAX Advanced, [email protected]

In central Loveland. Oversized living room, formal dining, enclosed sunporch. 2 year old appliances! $25K in upgrades, roof, humidifi er, carpet, awning.

1303 Arikaree Drive

WELL CARED FOR RANCH ON 1/3 AC!

Alicia StewartKeller Williams Realty(970) 222-8871www.kwalicia.com

Updated 3 bedroom, 1 bath home in Longmont. Oversized 1 car garage w/work bench. Fantastic backyard w/shed and cement patio, extra cement pad for parking. No HOA. $161,900 #635241

466 Elliott Street, Longmont

OPEN HOUSE SATURDAY 11AM-1PM

Marta LoachaminCentury 21 Humpal, [email protected]

A must-see, 4bdrm, 3ba, 3479 sq ft open 2-story on green belt, cul-de-sac lot. Granite tops, newer fl oors, custom paint, formal living and dining, main fl oor den, bonus loft. Mountain & lake views.

4688 Twin Peaks Court

THE VILLAGES AT MARIANA BUTTE - MUST SEE -4BDRM----OPEN HOUSE SUN. 1-4PM

Rick L. KelleherColdwell Banker Residential [email protected]

Boedecker Lake Rights! Pristine 4BR home w/unobstructed views & convenient access to lake. Hickory cabinets, slab granite counters, crown molding, new carpet & deco paints. Unfi nished bsmt. MLS#631711

513 Cape Dory Drive

OPEN HOUSE SATURDAY 2-4PM

Barbara GieseyColdwell Banker Residential [email protected]

Outstanding Townhome in Stone Creek. 2 bed 3 Baths, Single car garage. Huge Master with walk-in closet and full bath. Large kitchen with lots of storage. Unfi nshed basement. New fl ooring and paint.

320 Carina Circle #103

OPEN HOUSE 11-1PM

Barb EthertonPrudential Rocky Mountain, [email protected]

3bdrm, 3ba ranch w/open fl r plan w/vaulted ceilings, full master bath. Fn bsmt with HUGE family room. 2 year Home Warranty and closing cost assistance may be available, call for more info. $209,900 #628532

433 Amelia Court, Loveland

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Maura O’Leary,Century 21 Humpal, Inc.970-224-1800maura.oleary@century21.comwww.century21humpal.com

Beautiful 4bed/3bath brick ranch backs to open space & trail. Builder upgrades include hickory fl oors, granite, custom tile, full fi nished bsmt, 3 sided fi replace, landscaping & more! $369,900

4360 Fruita Drive

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Michelle WilliamsPrudential Rocky Mtn. [email protected] www.circlepix.com/7AA4ME

OPEN WED 11AM-1:30PM • FRIDAY 8AM-1:30PM • EVERY SUN 12PM-2PM. 2+Acre Lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boat docks, fi shing and peace garden.

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Top: After photo of refinished bath-room in Loveland home.Below: After photo of living room andside view of kitchen.

RH Photos/Linzy Novotny

Bottom left: Before photo of bathroom.Bottom Right: Before photo of bath-room.

Photos courtesy of Rayshell Beaumont

Fix & FlipFrom Page 3

stalled in each home. All exterior doors arereplaced.

The character of the home will never bechanged. If hardwood floors are present,those are refinished even though it is moreaffordable to lay down carpets, Freddy said.

What does change with the homes Kio-DamKee Properties fixes and flips is the re-quired repairs, which may be a new roof, re-pairs to a cracked foundation or a foundationthat needs to be re-secured. “Every newhome is a new puzzle,” Freddy said.

Also, home inspectors for the City of Love-land walk through each home even if no per-mits are needed.

Freddy is a general contractor who workswith a seven man crew. He has employedmost of the men for 10 years. The crew doesmost of the renovations, but electrical andplumbing improvements require those pro-fessionals to come in. Freddy always makesthe final call on renovations, but he is opento his crew making judgment calls and voic-ing their opinions. Fix and flips are a collabo-rative effort. In fact, fix and flip investorswork together. Freddy’s crew is very good atdrywall, so his crew goes to the homes otherinvestors are flipping to help them out. In-vestors know each other and are friends,Freddy said.

Homes are generally fixed and flipped inthree to six weeks. Sixty percent of thesehomes are sold, but sometimes they are keptas rental properties or investments. This maybe in anticipation for the chance that thehome’s value will sharply increase. Thehomes usually sell within three weeks of go-ing on the market. Freddy and Kari partnerwith Realtor Rayshell Beaumont. Freddy alsopays a portion of the closing costs.

Even though a home is finished, Freddymakes continual walk-throughs to ensure ev-erything is complete and as good as it can be,he said. Freddy contacts purchasers of thesehomes to get their feedback. If there is ever aneed to fix something Freddy and his crewdid incorrectly, the team goes back in, butthat has not happened.

Freddy partners with the neighbors of prop-erties he works on. “[We] make it a pointthat people know who we are,” Freddy said.

Neighbors are always curious, so he tellsthem upfront about his business. He invites

the neighbors to come see the house and theimprovements being made. Recently, Freddyand Kari completed renovations of a home at1020 W. 8th St. in Loveland. Neighbors werepositive about this fix and flip and were gen-erous, bringing over lunch a couple of times,Freddy said. Neighbors are also asked fortheir opinions on colors for the exterior ofthe homes. Freddy and Kari want the homesto fit into the neighborhood and want tobring the homes up to the standards ofneighborhood residents. Unique to thishome, the original builder, who lives in Love-land near the home, was able to come by. Hereally enjoyed seeing the process and wasvery positive, Freddy said. He came by at leastonce a week.

Fr e d d y ’s advice for anyone who would liketo fix and flip homes is to budget for the un-foreseen. “What you can’t see will get you,”he said. As walls are torn down, a personmight come across rotten beams or otherproblems. Also, keep in mind there are carry-ing costs and Realtor commissions that peo-ple don’t take into account when fixing andflipping homes, Freddy said. These costs di-minish potential profit. Prior to purchasing ahome to flip, a person should do their home-work and find mentors. Freddy’s mentor ishis cousin, who flips on average 100 homes ayear. Flipping is stressful and is a field youhave to enjoy, Freddy said. He likes to helpup-and-coming, fix and flip investors as well.

KioDamKee Properties is getting prettybusy. They have five homes currently undercontract in Loveland. Loveland is a primemarket for fix and flips, Freddy said. Investingis on an uphill climb and so is the redevelop-ment of downtown Loveland. With nearly 50homes worked on and either sold or kept as arental, KioDamKee Properties is on their wayto restoring older homes in Loveland and re-moving eyesores from the community.

BEFORE AND AFTER

Open Houses This Weekend - www.thegroupinc.com

SATURDAY 1:00 - 3:00SATURDAY 12:00 - 2:005454 Wild Lane, Loveland - Absolutely Adorable! Historic ranch home last updated in 2005. Gorgeous hdwd flrs, re-done kitchen & bath & wonderful great room. Home is on almost 1/3 acre yard w/mature trees, huge deck & pa�o w/gorgeous mtn in views.

1234 E 3rd Street, Loveland - Enclosed porch, nicely maintained landscaping, newer concrete sidewalks, roof & exterior paint. A fenced bckyrd w/large deck, 1.5 car detached garage&alley access. Fin bsmt w/possible 2nd bdrm, upper lo� area & lots of storage.

SATURDAY 1:00 - 3:002102 Farisita Drive, Loveland - Classy all brick custom home. Over 2,000 SF on one level. New carpet throughout. Oversized garage. Spacious corner lot. Full rock fireplace. Southern exposure w/views of Rist Benson Lake. Hosted by: Bob Skillman 631-2257

Call Cindy Kurtz962-6832

$241,500MLS#634231

SUNDAY 1:00 - 3:00353 Indiana Avenue, Berthoud - There are 3 bdrms + add’l office space, 3 bths , oversized 2 car garage & detached shop/studio w/220 electric. Brand new carpet and kitchen flooring. A huge deck overlooks lg mature backyard. Only 1 block from Ivy Stockwell.


$200,000MLS#615783

SATURDAY 1:00 - 3:00130 Grant Avenue, Loveland - Victorian home in the heart of downtown. Totally updated w/historical charm. New windows, newer furnace, carpet, appl, cabinetry. Mstr bdrm has a 1/2 bath + adjoining office. Well-kept, spacious backyard. Hosted by: Amy Lane 567-0816.


Call Rhonda Heth566-3516

Call Mark Koentopp218-5183

$169,900MLS#634492

$163,000MLS#634467

$139,900MLS#634814

SUNDAY 1:30 - 3:302528 Mary Beth Drive, Loveland - 2 story in great neighborhood. Vaulted living room w/ gas fireplace. Dining room w/ slider accessing pa�o & fenced backyard. Kitchen w/ breakfast bar, all appliances included. Vaulted master w/ private 3/4 bath, walk-in closet. 2 car garage w’ workbench.

Call Don A. Riedel679-8265

$206,900MLS#625336

SUNDAY 11:00 - 1:001586 Persian Avenue, Loveland - 2 Story w/ mtn & foothills views! Bay window in dining rm. Gas log fireplace, 42” cherry cabinets, pullouts in all cabinets & SS appliances. Custom redwood deck, raised garden & shed in fenced backyard. Master suite w/ si�ng room/study + 5pc bath. 2 car garage.

Call Don A. Riedel679-8265

$259,000MLS#624153

SUNDAY 1:00 - 3:00 TUESDAY - SUNDAY 1:00 - 4:001016 Janna Drive, Loveland - This home boasts of an updated kitchen w/slab granite countertops & upgraded appliances. Dining area opens to deck overlooking a private back yard featuring a large lower deck. Master suite w/5-piece bath.

4635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model home at The Pa�os in Thompson Crossing. 6 ranch plans, 3 car gar op�ons, garden level lots, views, low HOA dues. Convenient loca�on, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low maintanence living at it’s best!

Call Tracy Wilson567-0907

Call Val Schlageter217-3464

$309,500MLS#633055

Priced From $324,000MLS#607818

SUNDAY 1:00 - 3:001939 Rivers Edge Road, Windsor - Well kept home w/�le flr, new carpet, granite island, formal dining & private office. Mstr suite has a si�ng area, closet that will WOW you and a fully fenced backyard w/a lg pa�o. 3-car garage & unfinished bsmt.

Call Mark Koentopp218-5183

$389,500MLS#631002

SATURDAY 1:00 - 3:00810 Village Drive, Milliken - Model home for sale! Ranch and 2 story plans to chose from, with 3 bedrooms & 2 baths. Front yard landscaping with sprinkler included. Visit the model home at 810 Village Dr or call for a personalized showing!

Call Kelli Couch310-8804

$169,900MLS#624598

SATURDAY/SUNDAY 1:00 - 5:0010818 Cimarron Street #204, Firestone - Fully upgraded, wrap around covered porch + outside storage, hardwood floors, fireplace, breakfast bar, full 2nd bath w/�le floor, a�ached gar w/storage access, AC, Master Suite & 5-pc bath, walk in closet, Flat screen TV included.

Call John Simmons481-1250

$179,000MLS#631317

ONLY 4 UNITS LEFT

PRICE REDUCED! NEW HOME!

SATURDAY/SUNDAY 12:00 - 5:001020 Burrowing Owl Drive, Ft. Collins - Choose from 4 ranch & 5 two-story floor plans. 1,625 to 2,535 finished sf. Base prices from $259,000 to $320,000. Generous list of included features in every home! Energy efficiency built into every home.

Call Dianne Breneman222-8549

$279,000MLS#621175

SUN 12:00 - 3:30 & WED 3:00 - 6:00130 E Turner Avenue, Berthoud - Wow! 700 sq � of hardwoods on the main level & the en�re basement is done in gorgeous �le! Main floor master. Open floor plan, vaulted ceilings & lots of light throughout. Fireplace, central air, sprinkler, office & an oversized concrete pa�o.

Call Linda Sioux Stenson215-9044

$280,000MLS#633420

ALL THE BELLS AND WHISTLES SIMPLY IRRESISTIBLENEW HOMES IN SE FORT COLLINS

SATURDAY/SUNDAY 12:00 - 5:00

SATURDAY 1:00 - 3:00

1014 Burrowing Owl Drive, Ft. Collins - Welcome to Waterleaf! Smartly Designed Homes for Northern Colorado Living. Choose from 4 ranch & 5 two-story floor plans. All appliances included. Amazing list of included features! Pricing from upper $200’s to low $400’s.

2105 Buffalo Mountain Place, Loveland - 2-story in High Plains! Main floor master suite, main floor study/office, lo� and finished a�c space, 2 addi�onal bedrooms and an unfinished basement! Home has a decorator touch, pa�o and beau�ful professionally landscaped fenced yard.

Call Ma� Thompson443-9910

Call Ryan Spencer214-0263

$325,000MLS#621243

$282,000MLS#628774

SATURDAY 11:00 - 3:004785 Ignacio Court, Loveland - Huge vaulted ceilings, hand-distressed hardwood flooring, 8’ solid wood doors & custom blinds. Granite countertops, auto-lighted pantry, pasta pot filler, ss apps & alder cityscape cabinets. 2 flat screen TVs. 2 fireplaces.Whole-house surround system. 4 car heated garage.

Call Tracy Wilson567-0907

$530,000MLS#630305

Northern Colorado

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

AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE

Northern Colorado Real Estate SourceThe Real Estate Source is a magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado.

Online version of publication at www.thegroupinc.comcontaining links to detail pages for most listings.

BACKS TO OPEN SPACE

32-316025


held around 4:30 p.m., aftershow winners are awarded.

The Loveland Rose Societycurrently meets once amonth except for Decemberand January and has about25 members. The society hasspeakers for its members anddiscussions on how to carefor roses year round.

“The purpose of our club iscamaraderie. We're all to-gether for the love of roses,for the love of each other, forfriendships,” Baird said.

If you go

What: Loveland Rose Soci-ety’s 45th Annual RoseShowWhen: 7-9:30 a.m. entriesreceived; 12:30 to 5 p.m.,open to public. 2 p.m.,class on “How to grow ros-es in Colorado” with Qand A session. From 12:30to 4:30 p.m., sale of budvases, rose photography,and crafts. Award ceremo-ny, 4 p.m., followed by saleof entries.W h e re : Mountain ViewPresbyterian Church,2500 N. Garfield Ave.,L oveland.Cost: Fr e eMore information:970-482-8154, www.l o v e l a n d ro s es o c i e t y. w o rd p r e s s . c o m

H& Front range gardeningRE

Loveland RoseSociety hostsannual rose

showJENNIFER LEHMANSPECIAL SECTIONS RE P O RT E R

The 45th annual Love-land Rose Society'sRose Show will be held

next Saturday, Aug. 14 atMountain View PresbyterianChurch in Loveland.

Anyone can exhibit theirentries in the show at nocost, and admission to theevent is free.

At past shows the LovelandRose Society has hosted 125entries from 25-30 exhibitorsand a public attendance ofover a hundred people, saidCarol Bergersen, Rose ShowChair and the society's 2ndVice President. The societyhas publicized the showmore this year and expects alarger turnout, she said.

The show's judged competi-tion includes entry possibili-ties for different varieties ofroses, photography and flow-er arrangement.

The society is currentlyworking on new member out-reach and has given fliers tohomes with rose gardensaround town, trying to getthe word out.

“It's been quite successful,it's so exciting,” said PollyannBaird, the society's president.

Baird hopes the rose showwill draw in additional newmembers and people inter-ested in learning more about

ro s e s .“What better way to learn

than to come to the show, orbetter, enter,” Baird said.

“Just pick a basketful ofroses and bring them in andwe'll help you. It's fun.”

Novices should make sureroses have long stems.

“It's quite technical, but itdoesn't necessarily have to bethat way for beginners. Youlearn. I've been in it for fiveyears, and you learn a lot,”Baird said.

Baird inherited her rosegarden from her mother andfather located at the samedowntown Loveland homeshe's lived in since highschool. The garden was start-ed in 1920 and the crafts-man home is a Loveland His-torical Landmark.

Baird joined the rose soci-ety after retiring from profes-sional ballroom dancing.

“I realized, I need to be se-rious, learning the names,how to take care of them,”she said.

Each year, the show’stheme is reflected in theflower arranging competi-tion. For this year’s theme,Loveland: The SweetheartCity, the society reviewed oldsongs about Loveland andpulled specific lyrics to in-spire exhibitors in each cate-gor y.

One lyric excerpt is:

I’d love to live in Lovelandwith a girl like you

And ev’ry day a holidaywith skies of blue

The Loveland Rose Societywas established in 1963 andmember Paula Boyle, Love-land resident since 1945, waspart of the original organiz-ing group. She is the club'scharter member and hasheld about every office in thes o c i e t y.

“We have a lot of ex-hibitors, so we're always en-thusiastic about it,” Boylesaid.

“We have judges from Col-orado Springs, Pueblo, Den-ver, Longmont, it is a realwell-judged show,” she said.

“We just think everybodyloves roses, and this is thetime to see all the beautifulroses that are out at the roses h o w. ”

This year's rose show isdedicated to Melvin F.Greene, who was a past presi-dent of the society morethan once and “very, very ac-tive,” Boyle said. “He was areal good rose grower, he hadbeautiful roses.” He broughtnew members to visit his rosegarden and showed themwhat to do and what not todo. He was “very instrumen-tal in getting everybody in-volved.” Boyle said.

A ceremony for Greenewith Greene's family will be

RH Photos / Jennifer LehmanThe garden of Pollyann Baird, president of theLoveland Rose Society, has a variety of roses.Above right: Baird cuts rose blooms from her gar-den. Anyone can cut roses from their garden andenter them in the society’s rose show next week.

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

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

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

WWW.HOMEANDREALTYGUIDE.COM•CLICK ON OPEN HOUSE MAPS

32-3

1610

0

saturday sundayPRICE LOCATION ADDRESS HRS OFFICE PHONE

$139,000 NW LOVELAND 325 WALTONIA RD 2-4 1ST COLORADO REALTY 586-0421

$139,900 SW LOVELAND 1234 E 3RD ST 12-2 THE GROUP, INC. 218-5283

$148,000 NE LOVELAND 4737 SUN VALLEY 1-3 KELLER WILLIAMS 690-4470

$149,900* NW LOVELAND 43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 532-5900

$163,000 SW LOVELAND 5454 WILD LANE 1-3 THE GROUP, INC. 566-3516

$169,900 SW LOVELAND 130 GRANT AVE 1-3 THE GROUP, INC. 567-0816

$169,900 JOHNSTOWN-MILLIKEN 810 VILLAGE DR 1-3 THE GROUP, INC. 310-8804

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

$179,000 BERTHOUD 10818 CIMARRON STREET #204 1-5 THE GROUP, INC. 481-1250

$190,565* NW LOVELAND 3399 FOSTER PLACE 12-5 THE COTTAGE REALTY 532-5900

$227,900 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 532-5900

$241,500 NW LOVELAND 2102 FARISITA DR 1-3 THE GROUP, INC. 631-2257

$279,000 FORT COLLINS 1020 BURROWING OWL DR 12-5 THE GROUP, INC. 222-8549


$282,000 NE LOVELAND 2105 BUFFALO MOUNTAIN PLACE 1-3 THE GROUP, INC. 214-0263

$324,000 SE LOVELAND 4635 TARRAGON DR 1-4 THE GROUP, INC. 217-3464


$385,000 SW LOVELAND 513 CAPE DORY 2-4 COLDWELL BANKER 222-4035

$385,400 SW LOVELAND ¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 11-4 GLEN MARKETING

TEAM, ERA 663-4522

$399,750 SW LOVELAND 975 PRISM CACTUS CIR 11-4 GLEN MARKETING TEAM, ERA 663-4522

$530,000 NW LOVELAND 4785 IGNACIO CT 11-3 THE GROUP, INC. 567-0907

$895,000 SW LOVELAND 288 RESERVOIR DR 1-4 PREMIER LIFESTYLE 481-5512

PRICE LOCATION ADDRESS HRS OFFICE PHONE

$148,500 SW LOVELAND 320 CARINA CIR #103 11-1 PRUDENTIAL ROCKY MTN 690-9279

$149,900* NW LOVELAND 43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 532-5900

$164,900 NW LOVELAND 3122 BIRCH DR 11-1 RE/MAX TOWN & COUNTRY 290-3393

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

$179,000 BERTHOUD 10818 CIMARRON STREET #204 1-5 THE GROUP, INC. 481-1250

$179,900 NE LOVELAND 685 RADIANT DR 1-4 RE/MAX ADVNCED 217—9178

$190,565* NW LOVELAND 3399 FOSTER PLACE 12-5 THE COTTAGE REALTY 532-5900

$200,000 BERTHOUD 353 INDIANA AVE 1-3 THE GROUP, INC. 962-6832

$206,900 SW LOVELAND 2528 MARY BETH DR 1:30-3:30 THE GROUP, INC. 679-8265


$259,000 SW LOVELAND 1586 PERSIAN AVE 11-1 THE GROUP, INC. 679-8265



$280,000 BERTHOUD 130 E TURNER AVE 12-3:30 THE GROUP, INC. 215-9044

$309,500 NE LOVELAND 1016 JANNA DR 1-3 THE GROUP, INC. 567-0907

$324,000 SE LOVELAND 4635 TARRAGON DR 1-4 THE GROUP, INC. 217-3464


$327,000 SW LOVELAND 4688 TWIN PEAKS CT 1-4 COLDWELL BANKER 980-7218

$385,400 SW LOVELAND ¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 11-4 GLEN MARKETING

TEAM, ERA 663-4522

$389,500 WINDSOR 1939 RIVERS EDGE RD 1-3 THE GROUP, INC. 218-5183

$399,750 SW LOVELAND 975 PRISM CACTUS CIR 11-4 GLEN MARKETING TEAM, ERA 663-4522

$429,000 SE LOVELAND 2935 CHALLENGER POINT 1-4 RE/MAX ADVNCED 566-0313

$895,000 SW LOVELAND 288 RESERVOIR DR 1-4 PREMIER LIFESTYLE 481-5512


H& Front range gardeningRE

Humming birds andmoths fun for garden

CA RO L O'MEARACSU EXTENSION

Several years ago, an invaderentered my yard and wipedout every caterpillar from

the garden. Where once wereparsleyworms and painted ladies,there was only the European pa-per wasp; nothing flitted anddanced across the tops of plantsanymore. It hunted down everycaterpillar, and I mourned the lossof butterflies from the yard —even those that dined on my veg-etables.

But last summer, after seasonsof absence, a single tomato horn-worm lived in my garden. Discov-ering it as I harvested cherrytomatoes, I nearly picked it up tocuddle it in joy, until I remem-bered that when you do that, they

spit on you. Instead I patted itsback, encouraged it to eat its fill,and left it alone.

This wasn’t the move of a nor-mal gardener, who usually viewhornworms with loathing. Afterall, the gigantic green caterpillarseat tomato plants down to a nub,and the pointed, red spike ontheir tail looks threatening. Theirdroppings are elephantine in size;they’re usually the first thing agardener notices when they’ren e a r.

So why welcome this creature tothe tomato patch? Because as anadult, the hornworm is a hum-mingbird moth (Manduca quin-quemaculata). Big, mottledbrown, white, and tan, the hum-mingbird moth visits plants afterdark, hovering over them to sipnectar, much as hummingbirds

do. For someone who lives on theplains instead of the mountains, afaux hummingbird is welcome.

That is, until the real deal showsup. If you’re hearing hummerszipping overhead, it’s not yourimagination — we’re into the sea-son of migration for humming-b i rd s .

“Actually, they pass throughhere twice each year,” said MariHawk, salesperson with WildBirds Unlimited, 3636 SouthCollege Avenue in Fort Collins(fortcollins.wbu.com/). “Theyhead up to the mountains frommid-April to mid-May but don’tstop in yards much because wedon’t have many flowers for themto feed from. They stay in themountains, nest, then head backdown in stages beginning in earlyJ u l y, ” she said, recommendingputting out hummingbird feedersevery year on the fourth of July.

Males are the first to headsouth, leaving the females and ju-veniles to linger in the mountains.After spending time alone withthe youngsters, females are thenext to migrate through, with ju-

veniles trailing behind. In thisleisurely migration, broadtails, ru-fus, black chinned and calliopehummingbirds will visit our yardsthrough September.

“The fun part is that humming-birds remember where they’ve fed.So if you have feeders out or flow-ers they love, you’ll see the samebird next year. It will visit again —they’re very, very scheduled; theyremember every one of theirstops.”

Attract hummingbirds to youryard by adding the color that callsto them as they wing past. “Whatthey’re looking for is reds, pinks,and purples. These are the colorsof flowers that produce the mostnectar. If you don’t haveflowers, put up red ribbon,fake garlands or flags,” saidHawk, who has been help-ing people understand birdbehavior for over threeyears at the store.

Then keep a smallamount of sugar water inyour feeder, replacing it ev-ery three to four days.“Down here there’s not a

ton of hummingbirds at any giventime, and they only stop, take adrink, then keep migrating. Uselittle feeders, one-quarter full,and change the sugar water oftenor it ferments. You don’t want toget the little guys drunk —they’d be easy prey for predatorsif disoriented.”

Mix your own with four partswater to one part sugar, and skipthe food coloring, which is harm-ful to hummingbirds. Bring it toa boil to dissolve sugar and getrid of impurities, then refrigerateit until your feeders need a refill.Between the hummingbirds andmoths, your yard will be full offun.

Carol O’Meara iswith CSU Extensionin Boulder County.Contact her at303-678-6238 orcomeara@co. b o u l d e r. c o . u s .

Front Range Gardening

LEE ST E WA RTCSU EXTENSION, LARIMER COUNTY

Question: My radishes havelush green tops with thinroots. Can you advise me onwhat might be the problem?

Answer: There are several reasonsfor bountiful top growth withoutgood roots. If you sow radishes tooclose together and don’t thin themsoon after emergence, they won’tform good roots. Radishes shouldhave two inches of space betweenplants. A lot of energy will go intopushing top growth, flowers andseeds. Radishes grow best when soiltemperatures and air are still cool.

Plentiful top growth may also becaused by excess nitrogen.

Question: I planted rosemary lastyear in my garden. This year it’sweak and appears to be dying.

Answer: Rosemary is a perennialthat may not survive in areas withhard winters. Plant this fragrantherb in well-drained soil in a sunny,sheltered area. Over-watering couldalso be a problem. If a plant experi-ences prolonged drought stress, itmay not recover. Rosemary needsconsistent moisture to help with sur-vival. If you’ve tried growing it forseveral seasons, it may be best totreat it as an annual.

Question: My beautiful flowers onmy hanging basket of annuals have

stopped blooming and plants looksickly and yellow. What should I do?

Answer: Hanging baskets and con-tainer grown plants have their vitalnutrients continually leached fromsoil by frequent watering. Plantsneed to be fertilized with a goodquality soluble or slow-release fertil-izer to bloom and stay healthy allseason.

Lee Stewart 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.

Thin out radishes to ensure healthy roots Set terms forshort sale offerILY C E GLINKTRIBUNE MEDIA SE RV I C E S

Question: I’m trying to refinance myloan with a big box lender. I have a 7/1adjustable rate mortgage that justadjusted to 3.12 percent, which I love.

Unfortunately, I think I’ll only have this rate forone year.

My spouse has insisted that we refinance to a20-year fixed-rate mortgage. It is taking forever,but we’ve been approved with just her income(I’m not earning an income now that I’m goingback to school to get my MBA).

The problem is that we started the processover three months ago and the interestrates are considerably lower than when westarted.

Do we tell the lender to restart the processand lower our interest rate to the rates avail-able today? Do we tell them to restart the pro-cess and lower our rate, or simply say we don’twant the 5 percent loan they’re offering andstart shopping around?

Thanks.Answer: You certainly can start the conversa-

tion with your lender about the interest rate onyour loan and see what options are available toyou. If you signed a document that commitsyou to this loan or to pay a fee if you don’t closeon the loan, you might have to stick with theloan you applied for.

However, if you aren’t legally committed tothis lender and you don’t want to move forwardwith them, I’d start the process all over againand see if you can qualify on her income for a15-year fixed-rate mortgage at about 4 percent(some lenders are quoting 15-year mortgagesat 3.875 percent as we went to press, a recordlow).

Just remember, if you start over, you mighthave to wait the same amount of time to pro-vide them with the same or even more paper-work to get the loan done.

Call the lender and ask what it would take foryou to start the ball rolling on a different loanproduct. Find out if they will charge you morein fees (if you have to do another appraisal onyour property, for example, or pull additionalcredit reports and scores).

If they will charge you all over again, then youshould take the opportunity to shop aroundwith other lenders to make sure you’re gettingthe best deal possible. And if you are in doubtas to what your obligations are to your currentlender, talk to a real estate attorney and haveher review all of your loan application docu-ments.

I really like the idea of a 4 percent 15-yearloan for you, or something close to that. Youwould save a huge amount in interest over theterm of the loan, since a 15-year loan is tied toa lower interest rate than a 20-year loan, whichis tied to the 30-year rate.

Go for it. As hard as it is to give up a 3 per-cent mortgage, that interest rate won’t bearound for much longer. It’s possible that a yearfrom now you would get another year of low in-terest on your current loan, but a couple ofyears down the line it’s likely the rate will in-crease. So unless you plan to sell and move inthe next three years, I’d try to lock in at theseonce-in-a-century low rates.

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

2 BDRM, $625 + elec,free heat & basic cable,clean, pool, No pets.A/C, coin-op, pantry.

970-663-6787 or970-430-0859

2 BDRM, 1 bath- $665ALL utilities included!Clean and quiet end unit.On-site laundry, close torec center! 970-669-1375

2 BDRM, 1.5 bath. Largeunit! $700/mo. + utilities.Avail immed. 970-4816418

2 BDRM Mobile home,$600, rent includes utils.Estate Builder 970-667-3400

2 BDRM Mobile home,$600, rent includes utils.Estate Builder 970-667-3400

✭1 BDRM. Gar w/opener,W/D, DW. No smk/pets.$600 incl. Ht, wtr, trash.970-667-6199 or 231-2566

✭ No Fri Eve/Sat calls ✭

1 BDRM APARTMENT-new paint/flooring, W/Dhookup, no-smoke, utils pd.$595/mo. (970)669-2645

1 Bdrm, 713 Garfield $440/mo, Wall AC, main levelCall rmpm.com 669-0842

1 BDRM, $550/mo.Clean, quiet, friendlycomplex, No pets.Walk-in closet, stor-age. HT & WTR PD.

970-667-8370.

1 bdrm, 518 E. 1st, $440/mo,no stairs, NICE! Callrmpm.com 970-669-0842

1 rm, Studio+ Vintage apts0 utils! On-site mgmt. W/D,DirTV $333-590 970-219-8162

Apartments/Unfurnished 4030

ALL BILLS PAID!!!1 BDRM/studio, DowntownLoveland. $500-$550/mo.

Call 970-391-0834

Apartments/Furnished 4010

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

1015 3RD ST- BERTHOUD3 bdrm, 1 car gar, fncd yd.$795/water pd. 720-296-1337

2 Bdrm, 347 RAMSAY,$995/mo, many upgrades!Call rmpm.com 669-0842

2 BDRM 1 ba, pets neg.1344 Arthur Ave. 1st & lastmos rent & dep. $600/mo +$650 dep. Call, 307-421-0463

2 BDRM, 1 ba, A/C, 1 car,w/d hkup. No pets/smk.$795/mo+dep 970-532-5023

2 Bdrm, 1315 East 21ST,$850/mo, 1 car gar, Nice!Call rmpm.com 669-0842

Duplexes 4060

3 BDRM, 2 Ba BeautifulTownhome - Centerra!

Amazing views, W/D, A/C,garage, trails! $1250drakemanor.com(970)493-4052

Condos/Townhouses 4050

Best location in Berthoud,350 SF commercial/officespace, 345 Mt Avenue,

$500/mo + dep 970-532-2652

Approx 800 SF 1st floorcommercial/office space,Mt Avenue, Berthoud,

$700/mo + dep 970-532-2652

Approx 700 SF 2nd floorstorage/office, NW cornerof Bunyan & 1st, Berthoud,$575/mo + dep 970-532-2652

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

2000 Sq Ft Beauty Shop/Retail on 4th St. Off streetprkg. Call 970-593-2401

1147 SF Shop + Loft, OHD,3/4 bath + office. $795/mo.136-1/2 South Lincoln.970-663-3493, weekdaysbefore 5pm. 970-663-3228

CommercialIndustrial 4040

Spacious 2 bdrm, 1.5 bath945 sq ft. Central Air!Nice area!Call Today!

970-667-1644

LARGE 3 bdrm, 2 bath1312 sq ft. Lots of storage/amenities Great Location,won´t last! 970-667-1644

3 BD or 2 BD- Free rent!Pets nego. Quiet & spac.$625-$695. 970-223-1349

Apartments/Unfurnished 4030

3 BDRM 2 bath, $1100+ util, deck, freshpaint, new carpet, SWLvld, 1 block from midsch, 3 blocks fromelem. 970-663-6787 or

970-430-0859

3 bdrm, 2902 Katie, $1050/mo, pets neg, fncd yd, Callrmpm.com 970-669-0842

3 BDRM, 2.5 BA,newly remodeledincluding paint,

carpet & appliances.Avail immediately.$995/mo, 970-667-0860

3 BDRM, 222 SW 42nd,$870/mo, new carpet/paint.Call rmpm.com 669-0842

2 bdrm, 129A S Monroe,Lvld; Pet neg, no gar, smyd $700/$700 303-659-7471

3 bdrm, 1221 BARRETTA-$1095/mo, pets neg, 2 carCall rmpm.com 669-0842

3 bd, 1.5 ba, lg fncd yd, 2car $1095+dep 2330 W 22ndSt LVLD N/P 303-549-5715

EQUAL HOUSINGOPPORTUNITYAll real estate

advertised in thispaper is subject to thefederal and state FairHousing Act whichmakes it illegal toadvertise “any

preference, limitationor discrimination

based on race, color,religion, sex, handicap,familial status or

national origin, or anintention to make anysuch preference,limitation, ordiscrimination.”

The newspaper willnot knowingly acceptany advertising for

real estate which is inviolation of the law.All persons are herebyinformed that all

dwellings advertisedare available on anequal opportunity

basis.

Houses 4080

3 BDRM, 1303 Nickel, $675.Finished bsmt, patio.Call rmpm.com 669-0842

Duplexes 4060

OFFICES, RETAIL,INDUSTRIAL. UTIL´SINCLUDED. 970-744-8763

Retail Space 4135

Office Suite, 850 sq. ft., first3 months free, $7 sq. ft. +NNN, 970-290-9040.

HIGH TRAFFIC area &competitive rates. New

mgmt ● Special 1/2 off 1stmonth´s rent. Eisenhower& Monroe. (970)545-2444

Office Space 4100

NEW HOMES REDUCED!Don´t miss out on this

SAVINGS EVENT! Easyapproval, quick closings &affordable payments.

Tax ID´s welcome. Limitedavailability ACT NOW!!Call 970-420-8488 *wac

Move in August for $1!!!!NO JOKE

Only 3 homes available,Quick & Easy Approval

Look today, MOVE TODAYCall 970-420-8488 wac

✭ 3 BDRM, 2 BATH ✭Remodeled home. West

Hwy 34. $700/mo.Pets nego. 970-690-9049

✭ 2 BEDROOM Home ✭$575+dep. West Hwy 34.

970-690-9049

Mobile Homes/Spaces 4090

✔✔✔✔To ensure you receive

the best response to youradvertisement, pleasecheck your ad the first

day of publication.We regret we cannot be

responsible for morethan one day´s incorrect

insertion. Billinginquiries can be

initiated within 30 daysof ad expiration.

OWN your own home forwhat you pay in Rent!

Lowest rates,$0 - $1000 Down

Free Prequalification.Western Plains Realty

Ken or Tammy970-663-5008

3 Bdrm, 4307 Filbert, $1295Sunroom & pets nego.Call rmpm.com 669-0842

3 BDRM, 4201 Rocky Ford,$1175/mo, Unfin bsmt, A/CCall rmpm.com 669-0842

Houses 4080

SCULPTOR´S PARADISE!This lovely home has it all!3 car gar on main level,another 3 car gar below it,another gar 12´x36´...plentyof room for lg sculptures!Easy access for loading,large rooms, beautifulcherry kitchen, huge

master bdrm, extremelylarge family room.

Call John (970)669-9142

BANK OWNED, HUD & VAwww.ForeclosuresInLoveland.com

to request a copy of the list!Julie Stinson RE/MAX

Alliance 970-622-1809

A picture is wortha thousand wordsTry a classified picture

ad! Call for details970-635-3650

BANK OWNED- 3 bdrm,3 bath, 2-story, 1/2 duplex,main floor master, A/C,frplc. $227,900. Re/MaxAlliance, Wanda Quaid,

970-481-3033

Loveland 5110

2 ACRE LOT, Berthoudarea, $40K price reduction,$125,000. Call Steve Conderfor details, 303-514-3706.

Lots &Tracts 5100

Oil & Gas Opportunities15% to 30% Annual Return

Direct Participation/Tax Benefits

Gary 970-927-2764/309-1535

BusinessesEstablished 5025

Eagles ExtraOnline

reporterherald.com

~ HORSE PROPERTY ~5 bdrm, 4 ba ~ 5000 sq fton 1.5 acre ~ Johnstown.

$275K SSWestern Plains Realty

Ken or Tammy(970)663-5008

“Artists Dream ComeTrue” 2 houses in 1, plus aSCULPTURE STUDIO outyour back door, & pole barnw/15x52 covered car port.All this on almost 3 acres &only 15 mi. from town.

$625,000. 970-669-3404.

Rural 5180

325 Waltonia Rd, only $139KOPEN SAT 8/7, 2-4pm

Fabulous 2 bdrm, 1 bacabin, off Hwy 34 just W ofDrake. 1st Co Realty,Robin Serafini 970-586-0421

Mountain 5140

´03 Mobile home, 16x80,3 bd, 2 ba, Berthoud, A/Capplc & shed incl. Exccond. $30,000 ✭ 303-772-4324

❦❦❦❦❦❦❦❦❦❦❦2 bedroom, 2 bath, 1995,14x70, all appl inc, fencedyard, pets ok, shed inc,lots of extras $17,500

303-746-3143❦❦❦❦❦❦❦❦❦❦❦

✭ MOBILE HOMES ✭BUYING/SELLING

Local park needs used mobhomes. We´re buying! BigSale! Many single & dblwides. Fin avl, auto ap-proval on owner fin homes.Bad credit OK! Moves avl.

970-222-1473✭ 690-2725 or 690-3283 ✭

Mobile/ManufacturedHomes/Spaces 5130

Documents

Real Estate Guide