Real Estate Weekly

HOME& RealEstateWe e k l y

September 25, 2010

Longmont Times-Call w w w. H o m e a n d R e a l E s t a t e We e k l y. c o m

Local Realtors honored,officers installed

BrightIdeas

Lighting key to room style

Finish out the season with fall squashRetiring with a mortgage

2 Times-Call / Home & Real Estate Weekly September 25, 2010

News and Press ReleasesHome & Real Estate Weekly welcomes news

on hirings, advancements, awards, classes andother information of interest to the real estate andhome community. Please submit information tothe editor by e-mail, fax 303-774-8088 or mail to350 Terry St., Longmont, CO 80501. The dead-line is Monday at 5 p.m. the week of publication.

Specialty Publications [email protected], 303-684-5275

Specialty Publications Associate [email protected], 720-494-5429

On the CoverThe right lighting can give any room the perfect ambiance. See story on page 4. (Family Features)

Kristi Ritter

Summer Stair

AdvertisingThe display advertising deadlineis Tuesday at 3 p.m., and theclassified line advertising deadlineis Thursday at 3 p.m. – boththe week of publication. Foradvertising information, call720-494-5445.

Realtors welcome 2011 officers

2010 LongmontAssociation ofRealtors Awards• Affiliate of the Year: Lukeand Shelley Kunselman• Rookie of the Year: JillWood and Mandy Wormke• Wade GaddisDistinguished ServiceAward: Wendy Conder• Carl Turner Citizen of theYear: Stacy Cornay• Realtor of the Year:Claudia Archuleta

New 2011 Officers• President Dave Wagner• Immediate past presidentDeanna Dyer• President-elect BobDanos• Secretary Joshua Landers• Treasurer Tara Boston• Directors ClaudiaArchuleta, Regina Cheyney,Wendy Conder, VickyMarchino, Kim Ranes andSarah Ray• Colorado Association ofRealtors directors BobDanos, Terry Lee and ReidWilliams• Brokers forum represen-tative Wanda Ferguson

25 years of LARmembership• Pat Kahler• David Macy• Amy O’Donnell• Richard Yale

CARHOF GrantRe c i p i e n t s• The OUR Center• The Inn Between ofLongmont• Habitat for Humanity ofthe St. Vrain Valley

2010 NationalAssociation ofRealtors Ira GribinWorkforce HousingGrantCity of Longmont’s BoulderCounty Down PaymentAssistance Program

By Kristi Ritter

Longmont Times-Call

Dave Wagner, the new president of theLongmont Association of Realtors, talkedon Sept. 17 about claiming championshipsin his acceptance speech during theassociation’s annual installation banquet atFox Hill Country Club.

“Our goal is to keep our membershipinformed to be champions for theirclients,” he said. “We help to buildneighborhoods and communities throughhomeownership.”

While the real estate market faceschallenges, Wagner said, the LAR is focusedon helping to provide the power andresources behind making real estatetransactions happen, while continuing tobe a voice for real estate in Longmont.

Keynote speaker Reggie Rivers, a formerrunning back for the NFL’s Denver Bron-cos, echoed Wagner’s championship goalsin a motivating speech on overcoming ob-stacles. His advice for success is that youhave to figure out what is in your control to

change and then move in that direction tomake it happen.

The banquet offered an opportunity forlocal real estate professionals and affiliatesto gather for an evening of conversationamong friends, celebrations of success andthe installation of new officers for the localassociation.

Immediate past president Deanna Dyerrecognized four individuals – Pat Kahler,David Macy, Amy O’Donnell and RichardYale – who were honored for 25 years ofmembership with the LAR.

She also honored nonprofit organizationsthe OUR Center, The Inn Between ofLongmont and Habitat for Humanity of theSt. Vrain Valley as 2010 Colorado Associa-tion of Realtors Housing OpportunityFoundation grant recipients.

CARHOF collects interest on real estatetrust accounts and contributions fromRealtors and affiliates. The funds are thendonated to organizations that providehousing and related services to help

Individuals, organizationsrecognized for efforts

2010 president Deanna Dyer passes the gavel to 2011president Dave Wagner during the Longmont Association ofRealtors installation banquet on Sept. 17 at Fox Hill CountryClub. (Lewis Geyer/Times-Call)

Jamie Plaster,right, installs the2011 officers anddirectors of theLo n g m o n tRe a l t o r sAssociationduring theLo n g m o n tAssociation ofRe a l t o r sinstallationbanquet Sept.17, at Fox HillCountry Club.Included are2011 presidentDave Wagner,second fromright, andpresident-electBob Danos, thirdfrom right.(Lewis Geyer/Times- Call)

Continued on page 3

September 25, 2010 Times-Call / Home & Real Estate Weekly 3

residents achieve homeownership.Dyer also presented a special grant that

helps provide Realtor foundations and as-sociations with the resources and supportto take the initiative to address work forcehousing issues in their state. LAR present-ed this $10,000 grant to the city of Long-mont’s Boulder County Down Payment As-sistance Program.

During the banquet, several communityand association members were honoredfor their contributions to Longmont andtheir achievements within the real estates p h e re .

Stacy Cornay was given the Carl TurnerCitizen of the Year award for her “e x t re m epassion for the Longmont community.” Asa resident of Longmont for more than 25years, Cornay has served with numerousorganizations while giving back to thecommunity to help it thrive.

Mother-and-son duo Luke and ShelleyKunselman of The Kunselman Team wereawarded the Affiliate of the Year award.

Two local real estate professionals – JillWood and Mandy Wormke – shared Rook-ie of the Year honors.

Wendy Conder was given the WadeGaddis Distinguished Service Award,which is presented to a Realtor who givesextensive service to both the local and realestate communities, and continuously andgenerously gives time to both Longmontand the real estate industry.

Conder has been an LAR member formore than 25 years, giving many hours tonumerous committees and volunteero rg a n i z a t i o n s .

Realtor of the Year Claudia Archuletajoined the LAR 12 years ago and wrote onher application that the American dream is

to own a home and that she wanted to helpturn that into a reality for people. “I lovewhat I do,” Archuleta said as she was over-come with emotion during her acceptancespeech.

New officers were installed to lead theLongmont Association of Realtors into anew year. They include president Wagner,Dyer, president-elect Bob Danos,secretary Joshua Landers and treasurerTara Boston.

New directors included Archuleta,Regina Cheyney, Conder, Vicky Marchino,Kim Ranes and Sarah Ray. ColoradoAssociation of Realtors directors for theyear will include Danos, Terry Lee andReid Williams. The brokers forumrepresentative will be Wanda Ferguson.

Longmont Housing Program specialist Molly McElroy, left, receives the 2010 National Association ofRealtors Ira Gribin Workforce Housing Grant for $10,000 from 2010 Longmont Re a l t o r sAssociation president Deanna Dyer during the Longmont Association of Realtors installation banqueton Sept. 17, at Fox Hill Country Club. (Lewis Geyer/Times-Call)

Continued from 2

Claudia Archuleta receives a hug from TerryLee after Archuleta was named the 2010Realtor of the Year. (Lewis Geyer/Times-Call)

Home inspections help you sellArticle Resource Association

When you’re ready to sell your homein the current market, you need to takeevery step you can to ensure a timelysale at the price you want. A surplus ofhomes for sale means that yours needsto stand out in style, amenities and qual-ity to make an impression on potentialbuyers. The more steps you take tomake your house sale-ready, the betterresults you’ll get.

Currently, home sales are at a historiclow – so what do you need to do to buckthat trend? Updated decor and properstaging certainly help present yourhome well, but don’t think that cosmeticfixes are all you need.

Buyers want to know the homethey’re considering is safe and sound,and the best way to establish that is tohire a home inspector.

Twenty years ago, it seemed extrava-gant to hire a home inspector, but todayit’s standard practice. Buyers will oftenbring their own inspectors to the table,so you need to start by hiring one your-self. Hiring a professional will give you arealistic perspective on what’s going onin the bones of your home.

“In a down market, a pre-sale inspec-tion can make a home stand out,” saysDavid Tamny, president of the AmericanSociety of Home Inspectors. “More andmore, sellers are obtaining pre-sale in-spections to help uncover and addresspotential issues before the first prospec-tive buyer walks through the door. Thissimple step allows for better planningand lowers repair costs, adds value tothe home, and it could increase the like-lihood of an offer.”

Buyers can use problems as bargain-ing chips, causing previously agreed up-

on prices to be lowered or even the can-cellation of a deal. Inspections help un-cover imperfections that often can befixed easily and inexpensively, so it’sworth it to get your home inspected be-fore you list it.

In addition, a good inspection canraise the likelihood of an offer beingplaced on your home. Buyers are look-ing for security. If you can show themyour home has been inspected, they’llfeel more comfortable with it. Thatconfidence often equates to more dollarsin your pocket when you agree to thesale.

The areas covered in home inspec-tions are: the major systems andcomponents such as the foundation,exterior siding, flashing and trim, theroof, plumbing, electrical and heatingand cooling units. In addition, somehome inspectors offer additionalservices including radon testing,energy assessments and pool and spainspections.

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Create ambiance with the right lightingFamily Features

Furniture, fabric and accessories aren’tthe only things to think about when deco-rating.

Lighting makes a big difference in thehome. It adds beauty and drama, as well asfunctionality. It can make a small roomlook bigger and a large room more inti-mate. Done right, it can have a significantimpact – and for far less money then otherdecoration options.

• Recessed fixtures: A basic recessed fix-ture, typically housing a reflector flood-light, throws light downward in a coneshape. Placing recessed fixtures in an even-ly spaced grid pattern lets those pools oflight overlap and provide even lighting. Ina room with 8-foot ceilings, place the fix-tures in a grid from 4 to 6 feet apart.

• Chandeliers: A chandelier that’s too bigwill overpower a room. One that’s too smallwill seem out of proportion. One trick tocalculating a chandelier’s size is to measurethe width of the room in feet. Double thatnumber and you’ll get the diameter of theideal chandelier in inches. For example, aroom that’s 12 feet wide should have achandelier no wider than 24 inches in di-a m e t e r.

• Surface mounted fixtures: Surfacemounted fixtures can be functional fluores-cent types with white diffusing plastic cov-ers or decorative crystal designs that canadd sparkle and drama to foyers and hall-ways. Like chandeliers, they tend to dis-tribute light more broadly than downlights,and are useful in delivering light to walls u rf a c e s .

Tips and Tricks• The bottom of a hanging fixture should

generally be 7 feet above the floor. If a fix-ture hangs above a dining table in a roomwith an 8-foot ceiling, the bottom of thefixture should hang about 30 inches above

the table.• The minimum chandelier diameter for

most dining rooms should be 20 inches. Itshould be no greater than the length of thetable minus 12 inches.

• For higher ceiling applications, consid-er using spotlights to add more “punch” toobjects below.

Task LightingTask lighting focuses on a specific area of

the room where activities like reading,cooking or sewing require additional light.It can be as simple as a pendant light abovea kitchen counter, undercabinet lighting,mirror lighting or a reading lamp by ac h a i r.

To achieve multiple task lighting levelsthat accommodate simple to more difficultactivities, try using GE Reveal 3-way bulbs,which provide clean, white light at threedifferent levels.

Tips and Tricks• As a general rule, task lighting should

be no more than three times as bright as theambient light.

• Fluorescents under a kitchen cabinetprovide energy-efficient light for foodp re p a r a t i o n .

• For floor lamps next to a reading chair,the base of the lamp shade should be 40 to42 inches off the floor.

• Lighting fixtures at least 16 incheslong, placed on both sides of a mirror, canwork best for grooming activities.

Accent LightingAccent lighting creates drama in a room

by revealing pleasing architectural featuresin a room and highlighting artwork, plantsand other decorative items.

Track lighting and recessed adjustablefixtures are typically used for accent light-ing. Downlights over tables and counterscan provide visual interest and highlight

decorative items. For paintings and otherdecorative items displayed on walls, light-ing fixtures are usually 2 to 3 feet from thewall (for ceiling heights of 8 to 9 feet).

Tips and Tricks• Accent light should typically cast about

five times more light on a target than thegeneral light of the room. It should beaimed carefully to prevent glare or unwant-ed reflections.

• To highlight the texture of wall sur-faces like stone or brick, graze the wallwith light.

• Three dimensional objects like sculp-ture are often better revealed with morethan one light source.

Bulb BasicsNot all light bulbs are the same – how do

you know which bulb is right for your fix-ture? Mary Beth Gotti, a lighting expertwith GE Consumer & Industrial, has these

tips to help.

• Some bulbs, such as GE Reveal incan-descent and halogen bulbs, have neodymi-um in the glass. This rare earth element fil-ters out dull yellow rays, making colors inartwork, wallpaper and fabric stand out.

• Halogen produces bright, crisp whitelight, and is often used by designers.

• Compact fluorescent bulbs use up to75 percent less energy than standard incan-descent bulbs, and last up to 10 timesl o n g e r.

Find the Right Shape• Use general purpose bulbs in table and

floor lamps as well as enclosed fixtures.

• Decorative bulbs should be used inchandeliers, sconces or anywhere the lightsource is visible.

• Spotlights and floodlights are best fortrack and recessed fixtures.

Task lighting focuses light on a specific area in which an activity takes place. In a kitchen, for example,undercabinet lighting makes it easier to do food prep on the counters. (Bruce Wolf/Family Features)

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Use your kitchen towhip up a fabulous mealBy Lauren Feighery

Longmont Times-Call

Walking into the kitchen, your fridgeseems to glare at you in anger. Slowly open-ing the squeaky door, the leftover pizzaboxes and Chinese food reek from decay.Instead of dialing the phone for anothertake-out option, try cooking.

You can cook just about anything if youown the basic materials. Start your cookingjourney with a trip to the kitchen supplystore or even the dollar store.

It can be overwhelming in a kitchen sup-ply store. Suddenly the spring-form pans,food processors, frothers and zesters lookas important as a warm coat in the middleof winter.

But don’t be fooled, stick to the basics.Sharon Halkovics, director of home cookand corporate kitchen at the CulinarySchool of the Rockies in Boulder, suggestsowning these basic kitchen supplies.

• caster skillet• mixing bowls• sauce pan• knives: one good chef knife and one

paring knife• sheet Pans• cutting Board• can opener• spatula• immersion blenderThese simple tools can get you started to

innovative cooking. Here’s how.With a caster skillet you might be sur-

prised at what it can do. Cheesecake, corn-bread, brownies, gingerbread, pies,clafoutis and pizza are some baked goods

you can create in a caster skillet, accordingto Halkovics. To bake a cheesecake success-fully in your caster skillet, line the skilletwith parchment paper and expect the dishto look more rustic, Halkovics says. “Anycornbread recipe can be baked in a pre-heated cast iron skillet. Just butter orgrease the skillet and pour the batter in andbake,” Halkovics advises.

The mixing bowls will come in handy formixing and acting as a double boiler. Pair astainless steel bowl on top of a boiling-wa-ter-filled sauce pan, in place of a doubleb o i l e r.

Making homemade chocolate doesn’thave to break the bank with your new in-novative boiler. “I don’t own a double boil-er, but remember to watch for steam be-cause you could have incidents,” Halkovicswarns.

Terry Nicholas, co-owner of CayenneKitchen in Longmont, says, “You have tohave a good paring knife and chef knife.”Cutting meats, fish and poultry withoutthese knives will only stress you out. Also,the knives can be used for vegetables,breads and other foods you might have tocut.

Don’t limit your sheet pans to cookies.You can easily make pizza, chicken andmeats, rolls and tortilla strips on a sheetpan. Bill Nichols, co-owner of CayenneKitchen, says a helpful tip if buying sheetpans is to buy the ones with ridges. “Cook-ie sheets with ridges let air in at the bottomand your cookies or baked goods are lesslikely to burn,” he says.

Cutting boards will save your counter.Although it’s easy and convenient to chop

away, your counters will look like a scenefrom a horror movie if you abuse them.Cutting boards can range anywhere from$2 to $200 depending on quality.

“You need a can opener, unfortunately,because you can’t use anything else,”Halkovics says. Can openers are just one ofthe tools you have to buy and won’t domuch more than opening cans. Bill andTerry Nichols suggest buying the MasterOpener, which is able to open bottles, jars,cans and flip top cans.

Spatulas are helpful mixing tools. Theycan work as spoons, stirring devices, flip-

pers and mashers.

Instead of buying expensive blendersand food processors, stick to the handblender, also known as an immersionblender. Hand blenders can be used forsoups, salsas, smoothies, dips and purees.Immersion blenders run between $10 to$15, Halkovics says.

“Keep to the basics. Get as thrifty as pos-sible,” Halkovics advises. Your fridgedoesn’t have to smell of old take-out foodanymore. You can cook without fancykitchen supplies and still impress yourfriends, family and maybe even yourself.

Common kitchen supplies and multi-purpose tools for the kitchen from Cayenne Kitchen inLongmont will help you prepare a great meal. (Paul Litman/Times-Call)

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Table value has decreasedThe costs of retiring

with a mortgageA mortgage is a mortgage, even if

you’re only paying 4 percent on a 30-year fixed-rate mortgage.

The trouble with mortgages is thatthey tend to last up to 30 years, unlessyou move, get a 15-yearmortgage or figure out away to pay down your debton a monthly or yearly ba-sis. If you don’t pay downyour debt or sell your home,you’ll be paying your lendera monthly payment for thenext 360 months in a row.

That’s not such a big dealif you’re 30. If you get a 30-year mortgage you’ll pay itoff by age 60, well beforeyou hit full retirement age.

Except that most people don’t live inthe same place for 30 years. And if theydo, odds are they don’t have the origi-nal mortgage they used to buy theirproperty. Let me explain: While babyboomers and their parents tend to livein the same place for decades, they’verefinanced their mortgage repeatedly.

As you may have heard, while prop-erty values were seemingly skyrocket-ing throughout the past decade, mil-lions of Americans tapped into thosepaper values, doing cash-out refinanc-ing in order to pay for everything fromnew cars to fancy vacations to high-endkitchen renovations and additions tocollege tuition bills.

But when the housing boom turnedinto a bust, and property values beganto collapse, it became clear that mil-lions of Americans had over-extendedthemselves and are now trapped inhomes that were less than the amountowed on the property.

But even though those homeownersstill have equity in their properties,they’re saddled with 15- and 30-yearmortgages that are set to run for at leastanother decade or two.

Many baby boomers, the first wave ofwhom were born in 1946 and will startturning 65 next year, are having troublemaking monthly mortgage paymentsthat seemed easy when priced on inter-est-only loans featuring below-marketteaser rates. The Pew Research Centerrecently found that 55 percent of allAmericans are earning reduced income,thanks to layoffs, forced furloughs andlimited bonuses.

And it doesn’t help that real estateproperty taxes are rising even as hous-ing prices are falling. Higher property

taxes, insurance premiums and mainte-nance costs are squeezing homeownerswho can hardly make their payments asit is.

In fact, baby boomers are havingtrouble paying many oftheir living expenses, in-cluding their mortgage.

According to a new sur-vey by Generation Mort-gage and Zogby Interna-tional, 64 percent of babyboomers who are support-ing parents and children(often known as the “Sand-wich Generation”) describetheir financial situation asnegative. Twenty-three per-cent of those polled have

lost a job recently and 24 percent havetaken a cut in pay of benefits.

Most notably, 78 percent of thosepolled are worried about havingenough money to retire comfortably.

“The Sandwich Generation is proba-bly the most financially vulnerable de-mographic to result from the reces-sion,” says Jeff Lewis, chairman, Gener-ation Mortgage Co., a large reversemortgage lender. “They are unem-ployed or underemployed, financiallysupporting two generations in theirfamily and are saddled with debt frombills and a mortgage. As this grouplooks to retire, their financial situation,coupled with the state of the economy,is not leaving them with many op-tions.”

The costs of retiring with a mortgageare steep: Making that monthly mort-gage payment, even if your interest rateis priced at 4 percent, can take a hugebite out of your retirement income.

If you’re refinancing your mortgagenow to take advantage of new lower in-terest rates, you may want to try to cutthe term of your loan. Every year youshave off the term will save you thou-sands of dollars throughout the life ofthat mortgage.

For some in the Sandwich Genera-tion, taking out a 15-year mortgage andbeing done with the mortgage before re-tirement may make the most financialsense – as long as they can afford thehigher monthly mortgage payments.

Ilyce R. Glink’s latest book is “Buy, Close, MoveIn!” If you have questions, you can call her radioshow at 800-972-8255 any Sunday, from 11a.m. to 1 p.m. EST. Contact Ilyce through herwebsite at www.thinkglink.com.

Ilyce Glink

Tribune Media Services

By Helaine Fendelman and Joe

R o ss o n

Scripps Howard News Service

Dear Helaine and Joe: I inherited a 24-inch tilt-top table with the burned-inname “Stickley Fayetteville Syracuse.”My preliminary research tells me thatseveral Stickley companies existed in the1800s. Please help me identify the exactmaker and the insurance value. – J.D.

Dear J.D.: Of the five Stickley brotherswho entered the furniture business, Gustav(1858-1942) turned out to be the most fa-mous; he is a virtual icon in the history ofthe American Arts & Crafts movement(called “mission” or “Craftsman” furni-ture), which, in a real sense, he invented.

His brothers – Charles (1860-1927), Al-bert (1862-1928), Leopold (1869-1957)and John George (1871-1921) – all joinedthe furniture-making trade at one time oranother. Gustav Stickley entered the worldin Osceola, Wis., as did his brothers, andthey began Stickley Brothers in Bingham-ton, N.Y., in the 1880s. They crafted thetype of traditional walnut furniture associ-ated with the late 19th century.

Leopold and John George worked withGustav at first, but shortly after the turn ofthe century split off to form L.&J.G. Stick-ley in Fayetteville, N.Y. They began makingArts & Crafts-style furniture after the firm’sincorporation in 1904 (Stickley is still in

business today, based in Manlius, N.Y.), andtheir Arts & Crafts items are the most de-sired pieces of Stickley furniture – after theones made by Gustav.

Collectors are currently interested inL.&J.G.’s Arts & Crafts-style furniture, butthe more traditional line does not thrillthem. In our research, we found that the ex-act mate for the table in today’s questionsold at auction for a mere $60 late in 2008,and $140 two years earlier. The value ofthis type of furniture has fallen dramaticallyin the past two years, but we feel the insur-ance-replacement value for this item runsbetween $150 and $200.

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Winter squash is a

Fall DelightWe ’ve all been there. After all, we were

rookies once and planted a few extra seedsbecause they look so small in that cute lit-tle hill. Then they grew. And grew. Thenthey set fruit and the circus began.

Squash for dinner, squash for lunch.Squash in breads, muffins, pies, relishes,soups, ratatouille and casseroles. Year afteryear, memories of the “zucchini incident”are shared at family gatherings.

Were it only the zucchinis and crook-necks you might be OK, riding out the sea-son of plenty until frost kills the plant. Butno, the cucurbit family is large, and whenyou’re a gardener you eventually expand your horizons, and plantwinter squash. Perhaps it starts with a pumpkin, the orange globethat brings a smile each fall. Then it could be an acorn or two, orpossibly a buttercup, to go with a savory pork roast. Eventuallyyou try spaghetti squash, delightful with a bit of pesto (If you trynothing else this fall, try that). Finally, you branch out into thebutternuts and delicatas, with sweet potato flavor that’s perfectmashed with a dab of butter, brown sugar and nutmeg.

Then you’re hooked, and growing the mammoths: Hubbardsand banana squash that top out at 25 to 30 pounds. These don’tgrace your counter; they beach themselves on it. Try choppingthem with a cleaver, and you’ll soon discover that the best way toopen a hubbard is to climb a ladder and hurl it to the ground.Once roasted their flesh can be frozen into recipe-sized amountsand feed you until spring.

If you’re growing winter squash, fall is the time to gather yourharvest. Speed ripening by cutting back the water to the plant, butdo this slowly over a few weeks so you don’t interrupt growth ofyoung squash. Harvest your winter squash when the skin tough-ens and isn’t dented by pressure from a fingernail. But before thishappens the skin is tender, so avoid wounding your fruit with aclumsy nail slash by watching for other signs of maturity.

Cut the squash from the vine carefully, leaving at least two-and-a-half inches of stem attached to the fruit. If you’re growing petite

squash and don’t have that much stem, do the bestyou can and don’t worry. The important part is tokeep from snapping the stem from the squash orbruising the fruit in harvest.

When first picked, winter squash is a creamy,starchy vegetable, but if allowed to stand for amonth or two, the starches convert into sugars,making squash more delectable at thanksgivingthan at harvest. But if you’re growing pie pump-kins, the reverse is true: use it within a month, orthe sugars convert into starch. Store squash in

dry, cool conditions and depending onthe variety, winter squash will keep

one to six months.

Carol O’Meara is a horticultureentomologist with the Col-

orado State University Exten-sion office at the BoulderCounty Fairgrounds inLongmont. Contact her bycalling 303-678-6238 or [email protected]. For moregardening tips, check out

her blog at gardeningafterfive.wordpress.com.

Carol O’Meara

Colorado StateUniversity Extension

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Uncertain future keepshome sales sluggishBy Chris Kissell

b a n k r at e . c o m

Low mortgage rates continue to luresome people into applying for mortgages,but enthusiasm remains tepid at best. Thefour-week moving average for mortgagepurchase applications is up just 2 percenton a seasonally adjusted basis, accordingto the Mortgage Bankers Association

Meanwhile, refinance mortgage applica-tions have actually fallen 1.4 percent inthe past four weeks despite near-record-low rates.

Chris Sipe, senior loan officer at Em-brace Home Loans in Frederick, Md., saysactivity in his market is “not great, notterrible.”

He has a theory about why borrowersa re n ’t more enthusiastic right now. “I haveasked many people in and out of the in-dustry why they think more people aren’tbuying with rates this low,” he says. “Mostof the answers point back to one thing: alack of confidence.”

Fear appears to be keeping some poten-tial homebuyers on the sidelines, Sipesays. “People are afraid of what the futureholds and are reluctant to make big or un-necessary changes in the face of that un-c e rt a i n t y, ” he says.

Dick Lepre, senior loan officer at RPMMortgage in San Francisco, agrees that“fear, uncertainty and doubt” fill theminds of today’s consumers.

Refinancing activity is up in the Bayarea, says Lepre. But many borrowers can’tget new loans because they’ve lost a job orhave seen their home’s market value de-cline sharply.

In addition, lenders now are demandingmore extensive income documentationfrom mortgage applicants, causing somehomeowners to decide “it’s not worth thet ro u b l e ” to refinance.

“There is no longer that 2005 feeling

that ‘If I don’t buy now, I will never beable to afford a home with prices rising 15percent each year,’” Lepre says. Flat orfalling home values and concerns aboutemployment mean consumers “are, right-fully, cautious,” he says.

On the other hand, Dan Green saysmortgage activity has picked up steam inCincinnati, where he is a loan officer forWaterstone Mortgage.

“The market is good, and getting bet-t e r, ” says Green, who is also the author ofT h e M o rt g a g e R e p o rt s . c o m .

In particular, Green says refinance ac-tivity has boomed for several months. Infact, lenders are so busy that new mort-gages are likely to languish in the pipelinebefore they are approved, he says.

“Underwriters are backed up like Lucyand Ethel in the chocolate factory,” G re e nsays. He credits government incentives –such as the Home Affordable RefinanceProgram (HARP) – for helping spur activi-ty, saying “not every program works asplanned, but they still work.” Stabilizationof mortgage guidelines also has given bor-rowers “a clear target” and helped removeu n c e rt a i n t y.

“It makes the mortgage experience a lotless stressful,” he says.

Looking forward, Lepre believes theoverall health of the mortgage marketlargely will depend on whether the widereconomy improves or stumbles again.

“The underlying problem is the unem-ployment rate,” Lepre says. “The con-sumer reacts to that.”

Sipe worries the so-called “shadow in-ventor y” of distressed properties onlenders’ books could eventually lead to a“further saturation of an already oversatu-rated market” that will send today’s fallingprices even lower. “I would hope for sta-bility more than anything, but would notbe surprised if we continued to see deteri-oration,” he says.

Creating a modern nurseryCreating a vibrant and

safe space for youroffspring doesn’t have tobe complicated. Get aload of these simple waysto welcome the newestaddition.

1. Strive for simplicity.Start with a pared-downlook and use subduedcolors for the walls, floorand major furniture

pieces.2. Add in pops of bright

c o l o r.3. Keep it gender-

neutral. Stereotypes (pinkand blue) are quite old-fashioned, and the moreneutral a nursery’scontents, the more likelyyou’ll be able to make useof it.

4. Aim for adaptability.

In the nursery, “modern”often means“multifunctional” and“multistage.” So look forpieces that serve morethan one purpose.

5. Be space-savvy. Ifsquare footage is at apremium in your home,look for streamlinedpieces with compactfootprints and cleverbuilt-in storage.

– Courtesy Leah

Hennen on hgtv.com

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Dene Yarwood 303-808-0076

1767 WCR 20.5Vacation at home. 4 acre stocked lake!www.1767.wkre.com $969,000Jim Green 303-775-2553

FREDERICK/FIRESTONE5461 Bobcat StreetGorgeous ranch style home!www.5461.wkre.com $232,000Janet Borchert 303-263-3215

10322 Eastview AvenueGreat backyard and landscaping!www.10322.wkre.com $235,000MaryBeth Friesz 720-480-6145

311 WarwickThrow the lawn mower away!www.5461.wkre.com $219,950Bruce Beresford 303-541-1923

ERIE196 Meadowview ParkwayExceptional Candlelight Ridge Home! www.196.wkre.com $699,900Dan Kingdom 303-588-1717

2469 Vale WayStunning Ranch-shows like a model!www.2469.wkre.com $469,000Donna Jensen 720-564-6065

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Attracting birds to your yardArticle Resource Association

It’s a myth that continues to per-sist: Feeding birds in warmmonths will spoil them. But birdsare like babies – it’s impossible tospoil them. Contrary to the myth,well-fed birds won’t get too lazy tosearch for food; they’ll just gethealthy and happy. And the betterthe food is you feed them, themore likely they’ll continue tocome back bringing their colorfulplumage and welcome song toyour backyard.

Myths aside, wooing beautifulbackyard birds to your outdoor en-vironment can be as simple as of-fering them a reliable, high-qualityfood source. Birds, like most wildanimals, are survivalists and they’lltake advantage of any food sourcethey find – whether it’s in youryard or your neighbor’s. To enticethem to your yard and garden, setout these preferred foods recom-mended by the bird-feeding ex-perts at Cole’s Wild Bird Products:

• Suet – Made from the fat ofcattle, sheep or even vegetables,suet may sound icky to us, but forbirds it’s a gourmet delight thathelps them stay healthy and buildvital fat reserves. Served in a cageor log, suet has the consistency ofsoft wax and can be kept for a longtime. Chickadees, titmice, catbirds,bluebirds, robins, jays, warblers,thrashers, nuthatches and allspecies of woodpeckers relish suetand will feed on it all year-round,even in warm months.

If your suet gets too soft in thewarm summer months, switch to ano-melt, cornmeal-based suet.Suets offer a variety of enhance-ments including seeds, pecans andpeanut butter. To keep squirrelsfrom stealing your suet, try Cole’s

Hot Meats suet cakes that containchili-infused sunflower meats.Birds can’t taste the hot spice andsquirrels will high-tail it out ofyour feeder once they try it.

• Seed – Not all birdseed is cre-ated equal. Look for blends with-out cheap filler seeds that are allnatural, that way, the birds getmore nutrition and you keep acleaner feeder; the less filler, theless leftovers birds will kick outand leave behind. All-natural feedsare more appealing to birds, whoknow that natural just tastes bet-t e r.

It’s important to remember thatall birdseed is perishable. Be sureand store any open product in acool, dry place away from directsunlight to prevent the seed fromdrying out and little critters fromfinding it. Cole’s seed is offered innitrogen-purged barrier packagingto ensure seed freshness. They usethe same packaging technologyemployed by potato chip makersand fresh vegetable farmers tokeep their products fresher longer.

If unwelcome squirrels raid yourbird feeder, opt for a seed blendlike Cole’s Blazing Hot Blend, newthis spring. By combining a patent-

ed habanero chili oil formula withthe most preferred seeds of back-yard birds you can protect yourfeeder from squirrels while attract-ing woodpeckers, grosbeaks,buntings, cardinals, chickadees,bluebirds, goldfinches and more.Squirrels don’t like the hot, spicyflavor, but birds won’t be able todetect it.

• Insects and worms – A healthy,lush lawn is one of the best waysto feed birds who prefer insectsand worms. A good lawn will at-tract the species of insects thatbirds enjoy. You can also supple-ment their diet by serving DriedMealworms in a packaged varietythat’s easier to feed and less messythan live mealworms, and birdslove them. These energy-packedmorsels are Mother Nature’s per-fect treat for all your insect-lovings o n g b i rd s .

• Garden favorites – Feedingbirds doesn’t just have to happenat the feeder. Thoughtful plantingin your garden can help enticewild birds to forage there. Offer abirdbath for water and berry-pro-ducing trees and shrubs. Plant an-nuals and perennials that birdslike, such as sunflowers,marigolds, petunias, SweetWilliam, nasturtium and blueber-ries. Climbing vines like morningglories, coral honeysuckle, musca-dine and trumpet creeper are alsofavorites.

By serving wild birds their fa-vorite foods throughout the sum-mer, you can boost and build theirstamina and reserves for the longwinter ahead – and all the whileyou’ll enjoy a birds-eye view of amultitude of species bringingbright color and cheerful song toyou throughout the warm months.

By Al Heavens

The Philadelphia Inquirer

Q: Years ago, we were given a large window fan by myhusband’s grandparents. It is screwed onto the windowframe in our attic, and in the summer, all we need to doat night is open our bedroom window, turn the fan on ex-haust and enjoy the cool night air.

Is there anything we need to do in order to make surethat this fan continues to function well, such as cleaningthe motor, oiling it and other things? We are on our sec-ond motor with this fan, and would like to keep it going.

A: You seem to have done fine already without my counsel,but I would make sure the blades are clean and there are noobstructions that prevent them from operating efficiently.Dust and grime weigh on the blades, causing the motor towork harder, thus reducing its life.

As far as oiling the motor is concerned, it depends on themake and model. If the motor is newer than the fan, it will beeasier to punch in the available information online to get thecorrect recommendation.

One thing I would check on regularly is the condition ofthe plug. Sometimes rodents appear in the most secure placesand like to chew things. I’d just check it to see that it and therest of the wiring are in good order.

Keep fan bladesworking smoothly

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Get your lawn, gardenready for cold weather

Old man winter’s approaching, whichmeans it’s time to protect your lawn andgarden from his hoary breath. Here aresome tips to keep things warm and snug-g l y.

Move terracotta and ceramic containersto a protected location like a garden shedor garage. Clean clay pots to remove ex-cess salt or algae buildup, and repair dam-aged ones.

Bring tender plants, such as tropicalsand containerized plants, inside for over-wintering. Replant in pots if necessary andplace them in a garage, heated gardenshed or indoor room. Take cuttings of an-nuals and begin propagating new plantsfor next season.

Dig and store tender summer- and fall-flowering bulbs, such as dahlias. Plantspring-flowering bulbs like daffodils andtulips. Plant bulbs with their roots down –if the bulb has a sprout at the top, it canstill be planted.

Avoid heavy pruning of trees andshrubs going into the winter months, butdo prune away broken branches. Touchup mulch at the base of plants once tem-peratures are consistently cold.

In the perennial border, touch upmulch around plants for added winterprotection. A layer of mulch about 2 to 4inches deep is ideal. Unless you preferotherwise, it is fine to leave foliage thathas died, as it will help provide additionalprotection at the crown of plants. Leaveornamental grasses intact without cuttingthem back to discourage new growth dur-ing warm spells and encourage birds tovisit.

Extend the harvest of cool-season veg-gies like lettuce and spinach by construct-ing a cold frame around them.

Remove spent plants from the vegetablegarden and add them to the compost pile.Discard diseased plants in the trash. Turnover the soil with a garden fork (or till) toexpose underground pests to cold temper-a t u re s .

– Courtesy Susan Morgan on hgtv.com

Improve your home’s curb appealArticle Resource Association

If you think having great curb appeal isonly important if you’re trying to sellyour home, think again. Your house isone of your biggest investments andmaking a great first impression will leaveeveryone – not just potential buyers –wanting to see what’s inside. With 10simple improvements, you can easilytransform your home into the best look-ing house on the block.

In a DayThere are a number of quick fixes you

can complete in just one day that willmake a big impact on your exterior.

• Replace old hardware. It’s the littlethings that make a big difference. Updateyour dated or dingy house numbers, en-try door lockset and overhead light fix-ture. Each of these elements can add styleand interest to your home’s exterior, es-pecially if you incorporate a great finishoption like oil-rubbed bronze or brushednickel.

• Make over your mailbox. Your mail-box should complement the style andcolor of your house. Restore your exist-ing mailbox with a fresh coat of paint orstain that matches the trim, color andwoodwork of your house.

• Tame planter beds and landscaping.If your beds are overrun with weeds andunsightly growth, you’ll need to get themunder control to give your home a well-manicured look. Prune, pull weeds andplant flowers to add color. Add a freshlayer of mulch and your yard will look asgood as new.

• Illuminate your walkway. Addinglow-voltage solar lighting to your frontwalkway can have a big impact on yourhome’s curb appeal. It also providesadded safety and security. If you don’thave a walkway, string accent lighting inthe trees for a whimsical-looking effect.

• Freshen up the front door. The frontentry is the focal point of your home’scurb appeal. To keep it looking free ofabuse from the elements and use, cleanoff any dirty spots and remove any loosepaint. If your door is beyond repair,

install a new version that reflects the de-sign of your house. Once you’re all set, besure to add a piece of decorative flair, likea wreath or door knocker that showcasesyour personality to the outside world.

In a WeekendIn just a couple of days, you can boost

the beauty of your home with easy up-grades.

• Renew paint and trim. Give yourhome an exterior facelift by adding a newcoat of paint or stain. You’ll automaticallyupdate the look of your home by fixingany obvious defects, like loose paint, fad-ing colors or cracks in your trim andfence. Be sure to use high-quality paint-ing tools to get a professional-lookingfinish, such as the Pro-Extra brush fromPurdy. The extra length and thickness ofthe filaments on these paintbrushes pro-vide superior paint-holding capacity andare specially designed for all exteriorpaints and stains.

• Replace gutters and downspouts. Ifyour gutters are loose and worn out, notonly do they look neglected, but they’realso a danger to guests. To prevent anyinjuries, as well as improve the overallappearance, install a new, snap-fit guttersystem that go together with a few toolsfor an easy and important upgrade.

• Add shutters or accent trim. Every-thing on the exterior of your homeshould be a reflection of what’s inside. Tomirror the pulled-together appearance ofyour indoor rooms, install shutters andtrim to provide an extra layer of intereston the exterior. Not only do shutters helpcontrol light and ventilation, but newmaterials such as PVC resins orpolyurethane make them durable andlow maintenance.

In a MonthUsing a little elbow grease and taking

extra time on some projects can reaphuge rewards for your home in the longrun.

• Upgrade railings. Porch and stooprailings deteriorate throughout time andcan become loose. If yours are past theirprime, look for quality wood or metal re-placements. Make sure the color, scale,design and details coordinate with therest of your home’s main features.

• Dress up the drive. If your drivewayis cracked, stained or has weeds sprout-ing up from it, now may be time to showit some TLC. Upgrade it without com-pletely starting over. Repair any cracks orstains and be sure to kill the weeds andthen add some extra character by stainingthe concrete or affixing flagstone.

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Make ityour spacewhen renting

Metro Services

Renters may feel they havelimited options when it comes tomaking changes around theirapartment. In many cases, modifi-cations to the space are governedby what the landlord will allowand what is stated in the tenant’slease.

Renters may be able to make mi-

nor renovations and changes tothe space. This can include patch-ing and painting walls in a neutralcolor, or white if the landlordp re f e r s .

If the carpeting is in bad shape,it may be able to be steam-cleanedor replaced. The renter may do soat his or her expense, or a portionof the renovation may be covered

by the landlord.It is always advisable to consult

with the landlord before beginningany project. He or she may handlethe repair or change or set theground rules for modifications tothe space. The landlord may alsohave a set list of contractors or re-pair persons contracted to providethe work.

The changing of light fixturesmay be allowed, while removal ofwalls, changing countertops orcabinets, or other large-scale reno-vations are likely off limits. Acces-sorizing the space with bold colorsin draperies, furniture and throwrugs can help personalize an apart-ment where renovations are limit-ed.

Hover Manor Senior Apartment Residence

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

$725-$875 $250 1, 2 1,

1¾ Yes Yes Yes(in each apart-ment)

A/C, D/W, cable ready, balcony or deck, carport, outdoor pool, close to

shopping & bus stop.

Ute Creek Apartments1100 E 17th Ave. • 303-684-6821

Starting at $799 $125 1, 2 1, 2 Yes Yes Yes

Full SIzein each apart-ment

YesMove-In Specials, senior and other discounts. Fireplace, pool & spa,

24-hour fitness, garages. Close to shopping.

The Shores2450 Airport Rd. • 303-774-8000

*$705- $1200

$100$200$300

1,2,& 3 Studios

1,2

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

Cloverbasin Village630 Peck Dr. • 888-837-4912

$690-$1100 $149

1,2,33-bdrm.town-homes

2 Yes YesYes

(65 lbs limit)

NoYes

(& rental avail-able)

Convenient location, pet friendly, garages available, 24-hour mainte-

nance

Elliott Apartments418 Emery St. Longmont, CO 80501

303-772-6452

$580-$945 Yes 1, 2, 3 1, 2 Yes Yes Pets

Neg. YesIn historic Longmont, large trees,

quiet neighborhood on-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

Yes(Short Term

Avail.)Yes Yes Yes Yes

Island kitchens, garden tubs, gas fireplaces, double balconies, two tone paint, gated community. Close

to schools & newest community in Longmont.

Tanglewood CondominiumsSenior Community

100 21st Ave., Longmont, CO 80501 303-774-0300

$1235-$1625

$1235-$1625 1, 2 1, 2 Yes Some

Yes$50+ mo.

Utility Room w/ Full

size W/D in each condo

W/D provided

in ea. Condo

All utilities & cable paid, sec. bldg., elevator, W/D in every unit, transpor-tation, social events. HUGE amenities package, quiet 55+ community. Call

for incentives!

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Reach over 44,000 readers each week with your ad in the Times-Call Apartment/Condo Directory. Call Lisa or Sue in

Classifieds today at 303-776-7440

36-146523


Price Location Address Hours Offi ce Phone

$90,000 Mead 5425 Weld County Rd 32 12-4 Coldwell Banker Residential/Smith 303-772-7478

$129,900 Longmont 804 Summer Hawk #4102 10:30-11:30 Coldwell Banker Residential/Henry 303-772-7478

$134,900 Longmont 804 Summer Hawk #4103 11-12 Coldwell Banker Residential/Henry 303-772-7478

$159,900 Longmont 1212 Atwood St. 11-1 Coldwell Banker Residential/Grenier 303-772-7478

$162,900 Longmont 804 Summer Hawk #3204 12-1 Coldwell Banker Residential/Henry 303-772-7478

$169,000 Longmont 637 Elliott St. 1:15-2:30 Coldwell Banker Residential/Henry 303-772-7478

$179,000 Longmont 3129 Lake Park Way 11-2 United Country/Foothills 970-344-1500

$180,000 Longmont 4501 Nelson Rd #2407 10-12 Coldwell Banker Residential/Tucker 303-902-6250

$192,000 Mead 3602 Whetstone Way 10-12 Coldwell Banker Residential/Ankrum 303-772-7478

$199,900 Longmont 1666 Lashley St. 10-12 Remax Traditions/Landers 303-819-1638

$200,000 Longmont 909 Terry St. 12-3 Coldwell Banker Residential/Massey 720-371-1511

$205,000 Longmont 3875 Oakwood Dr. 1-4 Remax Alliance/Marose 303-817-9675

$209,400 Longmont 241 Mill Village Blvd 11-1 Coldwell Banker Residential/Davis 303-772-7478

$215,000 Longmont 2310 Jewel St. 12:30-2:30 ERA Tradewind/Wagner 303-772-9620

$245,831 Longmont 1538 Venice Ln 11-5 Boulder Creek Builders 303-502-5338

$259,900 Longmont 1117 5th St. 12-2 Colorado 1st Realty/Sharp 303-931-6098

OPEN HOUSEDIRECTORY

FEATURED HOMES

Visit www.YourFrontRangeHOME.com to map your home tourVisit www.YourFrontRangeHOME.com to map your home tour

Open Sat 12-32223 Harvard CtNW Longmont$599,500

Cape Cod Style hm on 1 acre cul-de-sac lot. Main fl oor Master, 2 upper level beds, study & bonus rm. Updated baths w/ceramic

tile fl oor & counters. Eat-in kit., formal dining. Screened in porch, huge yard, garden areas, outbuilding & amazing location!

Jim Danzl • Re/Max Traditions • (303)775-0163

39-1

5535

4

30-148713

Open Sat & Sun 11-23129 Lake Park Way

Longmont$179,000

Patio Home. 2 Bedroom, 1 Bath, Full unfi nished basement. Pool,

Tennis, Parks & More.

United Country/ Foothills • (970)344-1500

39-1

5535

6

Open Sat. 12-3635 Pratt St.Longmont

$310,000Old Town Charmer3 Bd, 2 bth + offi ce

Beautifully Landscaped

Stan Meade - Summit RE - 303-817-7777

39-1

5536

1

Open Sat 12-21117 5th StLongmont

$259,9003 bed, 1 bath, 1 car

Close to Central SchoolBill Sharp/Colorado 1st Realty • (303) 931-6098

39-153914

Open Sat & Sun. 11-61538 Venice LnSW Longnont$245,831

Low-Maintenance Townhome, 1,559 sq.ft. 2 Bed + Lofted Study, 3 Bath, 2 Car Attached

Garage. Built Green, Energy Star Rated

www.LiveBoulderCreek.com • 303-502-5338

39-155352

SATURDAY OPEN HOUSESSATURDAY OPEN HOUSES

Open Sat 11-1503 Collyer Street

Historic Old Town Longmont$379,000

The Ultimate Historically Designated 1883 Edwardian.

3 Bd/2ba, 2,713sqft. See Details at: www.OldTownRealEstateCo.com

Cory Dudley • Old Town Real Estate Co • (303) 776-4004

37-1

5454

3

OLD TOWN


$260,590 Longmont 311 River View Ct. 11-1 Coldwell Banker Residential/Bruce 303-772-7478

$269,000 Longmont 816 Gay St 12-3 Wright Kingdom/Spano 303-885-0876

$289,900 Firestone 6641 Sage Ave. 11-2 Coldwell Banker Residential/King 303-772-7478

$309,900 Longmont 2429 Winding Dr. 2:45-3:45 Coldwell Banker Residential/Henry 303-772-7478

$310,000 Longmont 635 Pratt St. 12-3 Summit Real Estate/Meade 303-817-7777

$312,000 Longmont 580 Sugar Mill Pl. 3-5 ERA Tradewind/Wagner 303-772-9620

$379,000 Longmont 1755 Sunlight Dr. 2-4 Coldwell Banker Residential/Grenier 303-772-7478

$379,000 Longmont 503 Collyer St. Appt. Old Town Real Estate/Dudley 303-776-4004

$390,000 Longmont 1856 Lochmore Dr. 12-4 Summit Real Estate/Johnston 970-581-5289

$399,900 Longmont 1255 3rd Ave 12-3 Wright Kingdom/Fox 303-541-1931

$417,500 Lafayette 1833 Cheyenne Ct. 11-3 ERA Tradewind/Freeman 303-772-9620

$589,999 Longmont 1018 Wilow Ct. 1-3 Remax Alliance/Lane 970-669-1234

$599,500 Longmont 2223 Harvard Ct 12-3 Remax Traditions/Danzl 303-775-0163

$999,000 Erie 165 Commander Circle 12-3 Wright Kingdom/Sugg 303-588-9441


•1 & 2 BDRM ✭ $550-$675FREE Heat 1060 17th Ave,Habla Espanol 720-327-8918

✭✭✭✭✭✭✭✭✭✭✭✭✭1, 2 & 3 BDRM

Apartment HomesThe ShoresApartments,

Hwy 66 & Airport Rd(303)774-8000

✭✭✭✭✭✭✭✭✭✭✭

Apartments/Unfurnished 4030

NO lease, dep or credit chkWkly/mnthly • 303-776-2185• ALSO RV SITES AVAIL!

● 1 BDRM $865 includes:TV, DSL, utils. Short termN. area. N/S/P 303-570-0402

Apartments/Furnished 4010

Very quiet, sm housecntry/Carter Lk for 1 per-son. N/S/D/P. 720-308-7902

Farmers/Ranchers,Colo Caregivers Wanted

Legal MMJCaregiver Services

needs to lease your old out-buildings. Top dollar leases

per square foot paid.• Legal Services• Patients• Technical Support• Plants & Equipment• Modular units also avail.Confidentiality, safety &security. Call the Law

Office of Stephanie Nelson303-440-4420

WantedTo Rent 4170

Rentals

To place an ad, call 303-776-7440 or go to www.TimesCall.com/classifieds and place yourad any time of the day or night. Fax: 303-772-8339…email: [email protected]

CLOVERBASINVILLAGE1-888-837-4912630 Peck Drive-Longmont West onNelson/Airport Rd

♣ 1 BEDROOM,1 BATH

AS LOW AS $665


AS LOW AS $750!


Starting @ $799!

♣ 3 BEDROOMTOWNHOUSES

Starting at $1000!

QUAILVILLAGE303-485-0065321 Quail Road-across fromLongmont Rec

Center

● 2 BEDROOM,2 BATH

AS LOW AS$750

● 3 BEDROOM,2 BATH

Starting at$750!*LIMITEDNUMBER

AVAILABLE*

**Income GuidelinesMay Apply**

✓ Full Size Washer& Dryer Hookups

✓ Close to Bus lines

✓ Pets Welcome

Welcome Home!• FREE Washer/Dryer & Carport

• Wood-burning fireplace• Large balconies/patios• Approved pets accepted • MTM leases available• Within walking

distance of shopping, restaurants & RTD• On line leasing available• One bdr, 1 bath starting at $725• Two bdr, 2 bath starting at $875

APARTMENTS

2400 17th Avenue, Longmont, Colorado 80503

303-772-4667303-772-4667*www.victoriainnapts.com

40-1

5385

8

LE DEAUVILLEAPARTMENTSROOMY & READY1 Bd From $575

2 Beds From $610Great Location

Large UnitsPark Like SettingAmple Parking

A/C & Pool

303.772.3737

36-1

5365

6

1 BDRM APT´s-Starting at $525, some with

Move-in Specials!Call PMP, 303-776-RENT

● 1438 STUART1 bdrm, 1 bath, 2nd flr,water pd, carport. $500/mo.RMG Realty (303)772-4466

● 1-2 BDRM- remod, N/S● A/C, lndry, off st pkng● $625 - $775, 303-444-0501

1 & 2 BDRMApt HomesFox Ridge Apts PremierGated Community. PetsOK!For Info & SpecialsCall (303)774-9944


2 BDRM APT´s-Starting at $645, some with

Move-in Specials!Call PMP, 303-776-RENT

1 BDRM trailer, 222 SoMain St. Storage, refs, lse,no pets. $375 303-507-3457

1 BDRM COTTAGE, 222 SoMain St, cute! Refs, lease.No pets. Storage. $460/mo(303)507-3457

1 BDRM, 1 car gar, gasheat, A/C, W/D hkup. $600+ dep. No pets. 1321 EmerySt Apt C. (303)776-1287 or

(303)747-2219

1 BD, off st pkng, nearshopping, 1637 Kimbark,$4752 BD, 1.5 bath, off stpkng beh i nd , 2 1 3 7Dexter, $6852 BD, 1 bath, carport,1611 Warren, $6952 BD, 1 bath, garage,800SF, 2330 Wedgewood,$650 & $695Alert Realty 303-776-5156


Ken Kanemoto303-772-2222

FOR LEASE2,040 sq ft Industrial Offi ce/

Warehouse Flex condo at Skyway Commercial Center

3 phase, 200 amps, O/H 12’ x 12’ Door $935/month

+ NNN

39-1

5488

3

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

Mtn Views! 1 BDRMAPTQuiet area, lndry, nr 23rd&Main. Sorry no pets, $575Top Realty, (303)931-6423

Horizon Place1 Bedroom- $545!2 Bedroom- $645!

Secure bldg, swimmingpool, A/C, on-site laundry.Call PMP, 303-776-RENT

Great Value! 5 bdrm, 2 ba,lge yd, w/d hkups, gar, smpet OK. $1195 (303)581-9239

Great value! 1 & 2 bdrms,$495 & $595. W/D hkp, off stpkg, avail now. 970-310-6321

Frederick- Avail Now!Very nice 800 Sq Ft apt, 1bdrm, 1 ba, N/P, N/S, allutils incl. $750/month,$750/dep. (303)833-3078

EASTGLEN APTS630 Lashley, Longmont

(303)682-29431, 2 & 3 BEDROOMS:Pool, air, laundry

✭Wtr, trash, sewer pd

62+ INCOME-BASED APTIndependent, Senior 1 bdrmapt in great area close tostores/ busline. Rent basedon income. 303-651-3601

2 Bdrm, 1 ba, large, comp.remodel-all new, WD, A/C,patio, N/P/S 2041 Meadow

Dr. $835 303-443-4308


1 BDRM giant lower half ofhouse in Old Town. $650/mo. incl utils. 303-653-5546

0 App Fee-$100 off 1st 2 mosLg 3 bdrm, 2 ba, gar, waterpd. No dogs. 303-682-2525

Duplexes 4060

LONGMONT/BOULDER CONDOS• 1601 Great Western• 3250 O´Neal Circle• 804 Summerhawk

Call PMP, 303-776-RENT

Condos/Townhouses 4050

VALUE PLACEFIRESTONE

New ExtentedStay Hotel

● $179* WEEKLY

or● $649

MONTHLY✓ Perfect for visitingfriends & family!

I-25 & Hwy 119,Longmont exit 240.

303-485-0040

Bring ad to qualify.*Expires 9/15/2010

SMALL 2 bdrm, mobilehome in Erie, W/D, Nopets. $585. 735 Kattell #107.

(303)980-1204


Buy it...Sell it...Find it...

Classified

Storage wanted for severalcars. Pay $100 per month

303-709-1056

CLEAN, secure, 10x20´ drystorage close to HWY 287$100. Stella 303-775-2881.

Garages/StorageSpaces 4070

DUPLEXES2 Bedrooms• 1459 Lamplighter• 1602 Donovan

Call PMP, 303-776-RENT

2 bdrm, fncd yd, off st prkg,bal of Sept FREE. 1973Meadow. $725 303-651-2277

✭2 and 3✭BedroomDuplexes.Visit www.

alertrealty.net

Duplexes 4060

✭3 and 4✭BedroomHouses.

Visit www.alertrealty.net

2 BDRM+ den, very clean,W/D hkups, large kit, largefncd bkyd w/stor. $850/mo.33 Reed Pl. Lgmt. AvailNov 1st. (720)371-4624

2+BDRM, 1 ba, gar, w/d.Newer kitch & ba. $1200/mo+ utils & dep. 610-457-7749

● 1341 GARDEN PL-4 bdrm, 3 bath, fam room,lg fncd yard, frpl, swampcooler. $1400. Avail Now.Pennant Inv. 303-447-8988

1328 S. LINCOLN- 4 bdrm,2 bath, 2 car, $1195 + dep.Pets neg. Dave 303-678-9544

1142 Frontier Dr- Nr hosp,clean 3 bdrm, 1.5 ba, FR,1 car. $1150. 303-859-3815

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


255 WEAVER PARKCLASS “A” second

floor office space for lease or sale. Common

area, conference room, elevator, mountain views.

1 yr Free Rent!

Don Rulle, CCIM303-772-2222

39-1

5488

0

Office Space 4100

Own a home for$O Down!Do youqualify?

Call Devin O´BranaganERA Tradewind

303-775-0710

LAFAYETTE HOMECentrally located &walking distance to

downtown. 104 Cleveland.Call TODAY!

PMP, 303-776-RENT

HOUSES2- 4 Bedroom Homes

• 163 Grant• 46 University• 1247 Juniper• 2312 Stuart

• 1327 S Sherman• 2631 Stratford• 536 St Andrews

• 820 9th Ave• 28 ReedCall PMP,

303-776-RENT

GRANDOPENING @EAGLE CREST

Phase 3 NOW open!!Brand new homes forrent. Includes all

applicances starting

@ $849.00with option to buy:

• Swimming Pool• Clubhouse• Playground• New Fitness Center

✓ Now Open on Sundaysfrom 10-4

SUN HOMES ATEAGLE CREST

888-246-5232www.4eaglecrest.com

4 bdrm, 3 ba, 3 car, patio,fncd yd, SW Longmont- 664Timothy $1795. 303-772-0442

4 Bdrm, 3 Ba 10 acres, BldrCty, all appl, fp, grt views,horse neg. $1790, 303-678-1991

Houses 4080

Ed & Keith Kanemoto303-772-2222

39-1

5488

2

1,141 SF to 2,393 SF Available on

S. Hover, adjacent to Party America, Wal-Mart and Hobby Lobby. Great exposure, call for details.

Unique retail on N Main in attractive building. 1,593 SF to 2,207 SF available. Glass fronts for light, open space.

Retail Space 4135

Sleep in Paris every night.Small bdrm in lovely homefor rent. $425 303-809-0022

ROOMMATE WANTEDBoulder - 4 women needroommate to share nicehouse on the Hill; ownroom avail immed; easywalk to campus; $690 inclutil; Sam 240-678-2033

MATURE MALE 40+share home all utils + w/d$425/mo. (303)833-6808

RoommatesWanted 4120

PROFESSIONAL OfficesN. Longmont. 150 to 825 SF.Single & 3 office suite.All ground level, 2 entr,great prkg. 303-956-1141

OFFICE SPACE, 6 roomsavail, $155-$325, great prkg,utils pd. Lgmt (970)231-7871

HEALING ART CENTER-Lg therapy room w/off, pvtentr. $550/mo. (303)772-6655

GREAT MASSAGEOFFICE FOR RENT.

(720)280-9047

500 to 2500 SF, can divide.On site prkg, Good trafficexposure. 303-523-3369

$250/MONTH-Great parking, quiet.

Ground level. Four SeasonsRealty, (303)875-1345

2500 to 5000 SF- great viewsfrom 2nd level, ample park-ing. 2432 Main. 303-875-1345

Office Space 4100

W. LONGMONT, 3 bdrm,1.75 ba, 2 car garage.

$1075 + dep (303)499-9380

Houses 4080

303-772-7576 629 Terry St., Longmont

www.longmont-realty.comww

LONGMONTREALTY

39-155313

7 MARSHALL PLACELoads of Potential Here, sweat equity for the Handyperson! Spacious ranch home with 1,633 fi n. sq. ft. and access to unfi nished basement. Rear 2 car detached garage with spacious loft area. Check out the endless possibilities... $115,000

1725 FOSTER DR.Move right into this ranch home on terrifi c cul-de-sac view lot! 3 BR, 2 BA, partially fi nishedbasement. A/C, Hardwood & nicely landscaped yard. $199,900

2125 COLLYER ST.Lots of house for the money here! Charming 3 bedroom with oversized 2 car garage and neat, well kept lot. Great location for easy morning commutes. All this for only $139,900

102 BOWEN ST.Huge, oversized lot! Fix it up and build instant sweat equity, perfect for the handyman. 3 bedrooms, 2 baths for just $135,900

AFFORDABLE AND ECONOMICALAFFORDABLE AND ECONOMICAL

1109 Yeager Dr., 3 bdrm,1 ba, ranch,N-central loc,new paint/crpt, $162,900.Owner carry, $140K.303-517-0061 No agents

Longmont 5090

Turn of the Century Farm-house on 80 acres, just eastof Longmont. Includes 40units Big T water. $1.1MJim Green (303)775-2553www.15182.wkre.com

Farms, RanchesAcreages 5050

Real Estate

773 SQ FT- busy shoppingcenter, 1116 Francis St,

$825. Alert RE (303)776-5156

Retail Space 4135

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

(303)931-7108

RoomsFor Rent 4130

Check out the pet columns inclassifieds for that special

companion you’re looking for.

3875 Oakwood Dr • $205KOpen Saturday 1-4 pm

Newer 2 bdrm SW Lgmt,wd flrs, a/c, lg fncd yd, newdeck, mtn views. FromDiag Hwy, N on Airport, EStaghorn, left Oakwood.Jan, ReMax 303-817-9675

3113 Mountain View AveYou had your 1st maybeyour 2nd. Now come andsee your LAST HOME.OPEN SUN 9/26, Sat 10/2& Sun 10/3 ✭ 11 till 4.Let´s talk 303-775-7992.

Mike Kirby, FSBO owner.Buyer Brokers welcome.

3113 Mountain View AveYou had your 1st maybeyour 2nd. Now come andsee your LAST HOME.OPEN SUN 11 till 4.Let´s talk 303-775-7992.

Mike Kirby, FSBO owner.Buyer Brokers welcome.

Longmont 5090

Self-Serve ClassifiedsImmediate access at your fingertips.

www.timescall.comClick on “Submit An Ad”

303-776-7440Classifieds

07423006

Sell, Advertise, Recruit

Check out the pet columns inclassifieds for that special

companion you’re looking for.

Heidi & Helena buy houses!$ SAVE YOUR CREDIT $303-725-8388 / 303-459-2711

A picture is wortha thousand wordsTry a color classified

picture ad!Call for details.303-776-7440

Longmont 5090

HORSE PROPERTY11451 Lookout Rd, Lgmt,5 acres, ditch water, 3 stallbarn, 3 BR 2.5 BA updatedBrick Ranch, 1500 SF Shopw/ o-sized door, 3 car gar+ shop, deck, hot tub.

Vesta Real Estate303-514-8788

Longmont 5090

2 ACRE LOTS WEST OFBERTHOUD. Great Views!$149,900. Fred @ Four

Seasons Re, (720)494-2133.

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

Lots & Tracts 5100

✭Like New Home✭Call for 3 page list of

improvements! Located onCircle Dr in S. Longmont.Fenced backyard. $194,950

Longmont 5090

✭ 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 ✭

3 BDRM, 1 BA, new carpet,W/D, carport, Lgmt adultpark age 55+, 970-215-1819

Mobile/ 5130ManufacturedHomes/Spaces


Real Estate Transactions are supplied byProspects Unlimited Inc., 1151 EagleDrive Ste. 467, Loveland, CO 80537.

Longmont• Kathleen Mercier from Capi-

tal Advantage Investments, 1127Judson St, Longmont, $166,000,home

• Charles Millen from CharlesCraychee, 1148 Gay St, Long-mont, $163,000, home

• Joan & Bruce Myers fromCreative Estates LLC, 421 Sunny-side Ln, Longmont, $89,500,home

• Steven Calhoun from DavidGoldhammer, 533 Emery St,Longmont, $192,300, home

• Catherine Maxwell fromHamilton Helen Marion Estate,821 Collyer St, Longmont,$215,000, home

• Alfred Je from Shirley Lem-mex, 3101 Almeria Way, Long-mont, $245,000, home

• Brandon & Amanda Stropefrom Elizabeth Olson, 332 JudsonSt, Longmont, $245,000, home

• Daniel & Rosalie Pontillofrom Yvette Reyes, 703 SandpointDr, Longmont, $248,000, home

• Jason Albrecht from Silver-creek Capital LLC, 734 TenacityDr Unit B, Longmont, $285,000,condo

• D Evans from Douglas Sut-ton, 1225 Baker St, Longmont,$157,000, home

• Geoffrey Knutson from WellsFargo Bank Trustee, 1913 Foun-tain Ct, Longmont, $210,000,home

• Gajendra & Priyanka Girifrom James Brittenham, 10591Durango Pl, Longmont,$163,000, home

• Kevin MaGuire from Ray-mond Pecharich Living Trust,7381 Rozena Dr, Longmont,$1,050,000, home

• David & Jennifer Dusza fromSuntrust Mtg Inc, 5306 GoddingHollow Pkwy, Longmont,$600,000, home

• Ernest & Y Hafersat from De-van Balachari, 730 Arrowood St,Longmont, $180,000, home

• Steve Sep from JonathanBennstrom, 2003 Terry St Unit105, Longmont, $57,700, condo

• Douglas & Lois Davis fromKevin Beyer, 1283 CumberlandDr, Longmont, $209,900, home

• L Keast from Boulder CreekKingsbridge LLC, 1536 VeniceLn, Longmont, $221,800, home

• James & Arlene Rowand fromJona Dunlap, 1311 S Lincoln St,Longmont, $206,700, home

• Divine Inc from Dennis Fey,625 9th Ave, Longmont,$210,000, home

• Elizabeth & Marek Maraschfrom Bonnie Gutierrez, 2301Frontier St, Longmont, $248,000,home

• Jodette Reynolds from JohnHindman, 3705 Chestnut Pl,Longmont, $332,500, home

• Gerardo Delacruz from Fer-nando Martinez, 465 Elliott St,Longmont, $133,000, home

• Michael Harrington fromDavid McFarland, 1518 SpruceAve, Longmont, $105,000, home

• James Revocab from RefugioNunez, 2232 Judson St, Long-mont, $146,000, home

• Rudy Ambriz from DouglasRoberts, 1319 Carnation Cir,Longmont, $237,000, home

• JZ LLC from Clifford Rufe-nach, 425 Terry St, Longmont,$380,000, home

• Jason & Katherine Kaminskifrom Richard Runkles, 2650 Fal-con Dr, Longmont, $385,000,home

• Yvonne & Michael Settlesfrom Linda Spurlock, 2251Aegean Way, Longmont,$290,000, home

• Gertrude & Oliver Brandtfrom Philip Stephan, 1024 Sono-ma Cir Unit D, Longmont,$195,000, condo

• Ananda & Tamara Laymanfrom Abby Thomas, 10255 N65th St, Longmont, $453,000,home

Berthoud• Patrick & June MaCarelli

from Federal Home Ln MortgageCorp, 420 Franklin Ave,Berthoud, $130,000, home

• Clay & Rebecca Sherrill fromMountain River Ranch Estates L,2251 Mountain River Rd,Berthoud, $427,000, home

Dacono• Laureen Oday from Aaron

McNally, 410 Andrew Dr, Dacono,$190,000, home

• Gregory & Teresa Doty fromWayne Reeves, 4581 Sedona Ln,Dacono, $205,000, home

• Leonard & Maria Kaufmanfrom Richmond American HomesColo Inc, 3235 Sweetgrass Pkwy,Dacono, $239,100, home

Erie• Mark Rasmussen from Wil-

helm Estes, 1189 Cooke Ct, Erie,$255,000, home

• Yueping Fu from HSBC BankUSA National Trustee, 1591 Brim-ble Dr, Erie, $201,000, home

• Donna Harris from JohnElaine Meyer Living Trust, 366Simmons St, Erie, $273,000,home

• Douglas & Diana Superka

from Patrick Olsen, 912 WestinCir, Erie, $670,000, home

• Scott & Holly Charles fromPrudential Relocation Inc, 1408Leyner Dr, Erie, $244,000, home

• Garth Dattilo from SiggStaver Construction LLC, 2066Marfell Ct, Erie, $530,000, home

• Kenneth & Jean Mason fromSix Point Erie Village LLC, 1122Village Cir, Erie, $311,700, home

• Lisa & Peter Correia fromSteve Visconti, 1553 Winslow Ct,Erie, $332,000, home

• Jun Guo from HSBC BankUSA, 2900 Blue Sky Cir Bldg 5105, Erie, $96,500, home

• Jacqulyn Alcalacasica fromVista Ridge Devl LLC, 1980 Fair-way Pointe Dr, Erie, $234,800,home

• Christian Schupbach fromFed Home Loan Mtg Corp, 2955Blue Sky Cir Unit 6-102, Erie,$115,000, condo

• Ernest Borders from JeffreyFlannery, 1838 Pine St, Erie,$443,000, home

• Devin & Angela Beck fromRocky Henson, 6295 CountyRoad 5, Erie, $269,000, home

• Elizabeth & Kevin McMillonfrom Marwan Sawaked, 1233Columbine Way, Erie, $364,500,home

• Ross & Stephanie Wilsonfrom Taylor Morrison Colo Inc,1143 Petras St, Erie, $334,600,home

• Vishwanath Mantha fromTaylor Morrison Colo Inc, 1131Koss St, Erie, $328,900, home

• Brian Siu from Taylor Morri-son Colo Inc, 428 Mazzini St,Erie, $285,500, home

• David & Bonnie Bishop fromTaylor Morrison Colo Inc, 1113Koss St, Erie, $277,500, home

• George Guszcza from VRCDevl LLC, 1425 Blue Sky Cir Unit15-206, Erie, $128,000, condo

Firestone• Kimberly Holzem from Mi

Bk, 6619 Sunburst Ave, Firestone,$225,000, home

• Robert Trust from RichmondAmerican Homes Colo Inc, 4702Monarch Dr, Firestone, $276,300,home

• James & Kale Brentlingerfrom Martine Bonhoure, 6904 StVrain Ranch Blvd, Firestone,$184,000, home

• Robert & Jenifer Kimbrielfrom JJ Construction NorthernColo, 5388 Rosewood Ave, Fire-stone, $232,900, home

• Jesse Hansel from JJ ConstrNorthern Colo LLC, 5380 Rem-ington Ave, Firestone, $218,100,home

• 2401 LLC from Ken Pearson,125 Jackson Dr, Firestone,$42,000, home

• Thomas & Doreen Strotherfrom Larry Silver, 10499 Devon-shire St, Firestone, $222,200,home

Fort Lupton• Brenda Willis from Carmelo

Floresmendoza, 410 Beth Ave,Fort Lupton, $138,000, home

• Joshua Martin from MorgantiProperties LLC, 639 MckinleyAve, Fort Lupton, $113,200,home

• Elizabeth Paul from JohnnyJohnson, 1920 Aspen St, FortLupton, $133,000, home

• Angelina Alarcon from GaySwingle, 15649 Nancy Ave, FortLupton, $55,000, home

• Eduardo Barron from CharlesWahlen, 241 Corvette Cir, FortLupton, $280,000, home

• Roberto Martinez from WellsFargo Bank, 1437 3rd St, FortLupton, $124,900, home

Fr e d e r i c k• Charles & Orph Schobourg

from ALR Invest LLC, 8711 WildHorse Way, Frederick, $385,000,home

Ly o n s• Jenna Olschlager from Feder-

al Home Loan Mortgage Cor, 5232nd Ave, Lyons, $177,500, home

Niwot• Colorado LLC from Paradise

Properties II LLC, 6716 NiwotHills Dr, Niwot, $2,495,000,home

• Rosa Storm from Aurora LoanServices LLC, 11279 5 1/2 CountyRoad, Weld County, $167,000,home

Foreclosures – notice of electionand demand

• Borrower: Frances & NickParra, Lender: US Bank NationalAssociation, Amount: $355,749,Property: 1933 S Us Highway287, Berthoud, Filed: 09/10/10

• Borrower: Brent Bowman &Tricia Kelley, Lender: The Bank OfNew York Mellon, Amount:$207,505, Property: 435 Short Dr,Dacono, Filed: 09/13/10

• Borrower: Patrick Terry &Vernetta Dorroh, Lender: US BankNational Association, Amount:$182,894, Property: 1215 Mac-Cormack Ct, Dacono, Filed:09/15/10

• Borrower: Vivienne Uebbing,Lender: BAC Home Loans Servic-ing LP, Amount: $198,189, Prop-erty: 1353 Avgare Way, Erie,Filed: 09/09/10

• Borrower: William & Tracy

Begano, Lender: BAC HomeLoans Servicing LP, Amount:$225,897, Property: 317 SimmonsSt, Erie, Filed: 09/14/10

• Borrower: Nathaniel &Mindy Jamiel, Lender: ChaseHome Finance LLC, Amount:$175,621, Property: 599 HendeeCt, Erie, Filed: 09/10/10

• Borrower: Laura Langley,Lender: Wells Fargo Bank NA,Amount: $179,514, Property:2875 Blue Sky Cir 4-207, Erie,Filed: 09/10/10

• Borrower: Vista Ridge Proper-ties One LLC, Lender: LibertySavings Bank FSB, Amount:$1,584,058, Property: 3160 Vil-lage Vista Dr, Erie, Filed: 09/10/10

• Borrower: Vista Ridge Proper-ties One LLC, Lender: LibertySavings Bank FSB, Amount:$2,272,865, Property: 3140 Vil-lage Vista Dr, Erie, Filed: 09/10/10

• Borrower: Ralph & RhondaOrona, Lender: BAC Home LoansServicing LP, Amount: $270,306,Property: 2039 Tundra Cir, Erie,Filed: 09/15/10

• Borrower: Floyd Nolte,Lender: The Bank Of New YorkMellon, Amount: $326,511, Prop-erty: 1777 Longs Peak St, Erie,Filed: 09/14/10

• Borrower: Dale & ConnieSorensen, Lender: US Bank Na-tional Association, Amount:$226,567, Property: 9908 BuffaloSt, Firestone, Filed: 09/09/10

• Borrower: Patricia & BrianBillings, Lender: BAC HomeLoans Servicing LP, Amount:$178,678, Property: 10184 FalconSt, Firestone, Filed: 09/10/10

• Borrower: Val & WendyKraus, Lender: Chase Home Fi-nance LLC, Amount: $248,218,Property: 9759 Cascade St, Fire-stone, Filed: 09/13/10

• Borrower: Tamara Moore,Lender: BAC Home Loans Servic-ing LP, Amount: $64,573, Proper-ty: 101 Wooster Dr, Firestone,Filed: 09/15/10

• Borrower: Joseph & Jacque-line Martinez, Lender: BAC HomeLoans Servicing LP, Amount:$195,539, Property: 147 S DenverAve, Fort Lupton, Filed: 09/09/10

• Borrower: Juan & FernandoMoncada, Lender: PNC MortgageA Division Of PNC Bank,Amount: $151,518, Property: 906Birch Ct, Fort Lupton, Filed:09/09/10

• Borrower: Jasynda Keys,Lender: Wells Fargo Bank NA,Amount: $174,879, Property:1403 Sanborn Pl, Longmont,Filed: 09/09/10


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