www.reporterherald.com Saturday, October 15, 2011 Reporter-Herald

Real EstateMatters

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� See GLINK/Page D4

ILY C E GLINKTRIBUNE MEDIA SE RV I C E S

Question: My wife boughtthe home we currently livein back in 2003. We find we

can no longer pay for the house. Isit possible, instead of a nasty fore-closure, to give the house back tothe mortgage company?

Also, if we do give it back and va-cate the home, what are the conse-quences? Ultimately, if a loan modi-fication or mortgage restructure isnot possible and we know ahead oftime that we cannot keep thehouse, we want to honorably give itback. Do we have any options?

Answer: First of all, you shouldknow that you own the house. It isyour home and not the lender’s.You can’t “give back” the house toa lender because, for business andlegal purposes, the home is yoursto keep, maintain, and to make aprofit or loss from.

At issue in your circumstances iswhether the lender would be willingto accept the home in lieu of youand the bank becoming involved inlitigation involving the foreclosureof your home.

When you purchased the home,you signed documents with yourlender under which the lenderagreed to give you the loan and youagreed to repay it under the termsset forth.

You weren’t specific in your emailabout why you are no longer able topay the expenses associated withyour house. You might have lostyour job, become ill or had a deathin the family. Or you may have de-cided that the home’s value is nowless than what you owe and youcan’t or won’t continue to makethe payments.

Each of these situations mayevoke different sympathies fromlenders, your neighbors and peoplein your community.

However, the contract you en-tered with your lender does notprovide for exceptions or distinc-tions. In other words, the fact thatyou, say, lost your job doesn’t mat-ter legally to the lender.

If you fail to make your loan pay-ments, the lender has the right toinitiate legal proceedings againstyou to recover what is owed. Thoselegal proceedings are generallyforeclosure proceedings leading toa sheriff sale, auction or other saleof your home.

When you miss payments, it getsreported to the credit reporting bu-reaus. You can expect the foreclo-sure process to result in a fairly bigdrop in your credit score — whichis used not just by lenders but alsoby employers, insurance companiesand other companies that seek toevaluate your credit before offeringa job or pricing a product or ser-vice.

If you go through the process offoreclosure or other transactionwith your lender that results inyour credit history showing obliga-tions not having been paid in full or

Giving backthe keys

EMMA CA S T L E B E R RYRE P O RT E R -HERALD

Whether it’s a souvenir fromlast year’s vacation, a funkygarage-sale find or an exotic

gift a cousin brought back from herhoneymoon, many people have apiece (or several pieces) of a differ-ent culture they want to display intheir home. Though this can be in-timidating, interior designer and co-owner of Longmont boutique En-core! Dena Blackburn said it’s a riskworth taking.

“What we find more often than notis that people are afraid because theyfeel like they don’t know how to doit, so they just don’t do anything,”Blackburn said. “People shouldn’t beafraid. If they really fall in love withsomething, go with it. Make a state-ment with it.”

Blackburn co-owns Encore! withher mother and fellow designer,Judi Supplee. She advises paying at-tention to color schemes and stylewhen trying to incorporate an exoticpiece.

“Stick with the same color tones,”Supplee said. “A lot of Asian and In-dian art looks really good with a con-temporary or modern aesthetic,whereas, with a country aesthetic,not so much.”

In their experience as interior de-signers, Supplee and Blackburn haveseen decorations from many cul-tures, from Indian Buddha heads toAfrican tribal masks. Supplee urgessouvenir shoppers to spend theirmoney wisely if they want to incorpo-rate a piece into their home design.

“If people are actually going to beon vacation thinking about buying asouvenir, don’t buy a small one, be-cause it’s going to look like clutter,”Supplee said. “Buy something sub-stantial. Spend a lot of money on onepiece as opposed to a lot of money ona whole bunch of little pieces. Thatwill usually be more easy to incorpo-rate into every design situation thatyou have.”

Christine Costigan of Alabaster De-sign in Longmont, said it’s importantthat you can appreciate whateveritem you’re displaying.

“Put it somewhere where you cansee it and enjoy it,” Costigan said.“That could be your kitchen, your liv-ing room, on your coffee table. Put it

somewhere prominent in an unob-trusive way.”

In addition to these tips, it is im-portant to know the background andmeaning of the item being displayed.Discoveries Egyptian Imports, aLongmont store specializing in Egyp-tian handcrafts, offers providence

cards informingthe buyer oftheir purchase’ssignificance.Marlene Collins,who co-owns thestore with herhusband, SteveCollins, saidthere are fewconcerns whendisplaying Egyp-tian items, butthat isn’t alwaysthe case.

“I know I’ve looked at Tibetan andBuddhist things and there is a sensi-tivity around displaying things thatare sacred and symbolic,” Collinssaid. “But as far as our merchandise,I haven’t come across any kind ofsensitivity to displaying it.”

Most people will display their exot-ic items respectfully by default,Collins said.

“Usually people that are buyingsomething have a connection withthat ancient culture,” Collins said.“There is almost sort of a reverencearound what they take home.”

Supplee said she thinks people willbe naturally inclined to display their

exotic items tastefully, as well as re-s p e c t f u l l y.

“Typically people are going to buywhat appeals to them and its all go-ing to be cohesive anyway becausethey’re not going to step outsidetheir box too much,” Supplee said.

While cohesion often comes natu-rally, Supplee said the best rule ofthumb is to consider room design be-fore purchasing an exotic item.

“I’d rather see people really spendtheir money wisely when they do gocultural,” Supplee said. “It’s good tobuy something that they’re going tobe able to display, that’s going to bean important piece in their home.”

Cultureon

D i s p l ayMake a statementwith cultural pieces

“People shouldn’t be afraid.If they really fall in love with something,

go with it.

Make a statementwith it.”

— Dena Blackburn, Encore!

www.HomeStateBank.com970-203-6100

Check the license status of yourmortgage loan originator at

http://www.dora.state.co.us/real-estate/index.htm

An FHA 203(k) mortgage allows you to finance both your homepurchase and renovation with a single loan. Call now to learn more.

Loans and rates subject to credit approval. Owner-occupied residences only. FHA conditions and restrictions apply.

Vivian DeVoe, VP Mortgage Banker, NMLS#269876, 970-227-4702

Buying a home that needs work?Call the experts in FHA 203(k)renovation financing.

Think big Bank small

D2 Saturday Reporter-Herald Oc tober 15, 2 0 1 1E

To add a listing or speak to an advertising representative, call Dan Grassmeyer at 970-635-3615 or email:dgrassmeyer@reporter-herald.com. Realtors can join our on-line realtor community at:

http://www.reporterherald2.com/YourNorthernColoradoHome/_featured/featured_newclient.aspFor details about these open houses, see the ads in this section. For additional open house listings,

please check the “Real Estate Classifieds” section of this publication. This guide is brought to you bythe Daily Reporter-Herald, local real estate agents and area builders.

WWW.HOMEANDREALTYGUIDE.COM•CLICK ON OPEN HOUSE MAPS

saturday sunday

Peakview Meadows Sales office openThursday thru Monday from 1-4 Pricesstarting at $195,900. 5 Models to choosefrom.

Peakview Meadows, Berthoud

SALES OFFICE OPEN

Kurt Albers & Chris RamponeCentury 21 Humpal, Inc970-231-1224 Kurt970-430-0845 Chriswww.berthoud.org

Located on quiet cul-de-sac, beautifullandscaping and mature trees. This houseincludes 4/BD and 2/BA. Lg family room w/wood stove. Central A/C, lots of storage. MLS#665607 $205,900

820 Jay Pl., Berthoud

OPEN HOUSE SATURDAY 1-3 PM

Gary MaggiRE/MAX Town & County970-692-2002gary@berthoudrealestate.comwww.berthoudrealestate.com

$2,500 IN FREE OPTIONS!* 3 BR, 2 BA, 2 CAR,ranch style home. Front yard landscaping includedw/ sprinkler system. $169,900 w/qualifying specialfinancing or $181,400 w/o special financing. *w/purchase & closing of home - Offer Expires 10/31/11

4403 Elliot Place, Loveland

OPEN HOUSE SATURDAY AND SUNDAY 12-5 PM

Rose LawrenceCottage Realty970-215-0515www.lovelandcorealestate.com

Just Completed! Large covered porch, mainfloor laundry,open kitchen w/dbl pantries andeating nook, upgrades include wood floors,granite, tile, stone fireplace, 3 car garage.Neighborhood pool.

930 Crabapple

ALFORD MEADOWS OPEN HOUSE SATURDAY & SUNDAY 12-3

Dominic EastColdwell Banker970-412-7743dominic@dominiceast.com

2174 Sq ft, 3BR 3BA, open flr plan, new carpet& paint, A/C, ALL kitch appl, mstr w- 3/4 bath,lg. walk-in closet. 2 car gar, cov. front porch,lg back porch, storage shed, sprinklers, trees!$196,500

3730 Jefferson Drive--Loveland

OPEN SUNDAY 11 AM-3 PM

Rick & Sharon Nealeigh(970) 988-1205New Washer & Dryer For Buyers!www.homefinder.com/CO/loveland

2bedroom plus den, 2bath ranch in lovelysenior community. Model home with manyextras! $295K. New Construction startedfor 2 Pagosa units priced at $249K Move inready by Dec. 2011

Mirasol Senior Community1286 Inca Dove Cir. Loveland

OPEN HOUSE SAT. 10 - 1 SUN. 1-4

Mirasol Senior CommunityMirasol Sales Team • 970-635-5931

airwi@lovelandhsg.orgwww.mirasolseniorcommunity.com

Move in Ready! 3 bdrms up, main floor bdrmw/3/4 bath, vaulted ceilings, SS appliances,gas stove, main floor laundry. Finished bsmthas bdrm/bath, rec room & Theatre room.Hosted by John 222-9616.

4453 Pika Dr. - Loveland

OPEN HOUSE 1-4 PM SATURDAY

Barbara GieseyColdwell Banker Residential Brokerage970-222-4035barbaragiesey@msn.comwww.BarbaraGiesey.com

UP TO $199,999

$400,000 - $499,999$400,000 - $499,999

$200,000 - $299,999

$300,000 - $399,999$300,000 - $399,999

UP TO $199 999UP TO $199 999 $200 000 $299 999$200 000 $299 999

Featured Properties

FOR SALE

Time to GetYour Own Place?

Begin your search atreporterherald.com/classi-fieds/homeandrealtyguideyour online and print real

estate source.

3 BD, 2 BA Ranch, new kitcab and hardwood flrs. Unfinbsmt, big back yard, spklrs,privacy fence.

3-car, walkout basement, great views from deck, 3bedrooms, 2 baths including 5 piece master bath,gourmet kitchen w/ island. Unfinished basement.$277,800.

4355 Ridgway Drive, Loveland

OPEN HOUSE SATURDAY 2-5 PM & SUNDAY 12-5 PM - 3 CAR

Kevin CookCottage Realty970-532-5900www.lovelandcorealestate.com

3BR, 3BR ranch on .96 acres w/Mtn Views & RV pkg!Large LR, formal DR, Eat-in Kitchen. Full finisheddaylight basement w/Rec RM, Shop, Craft RM &more. +3,500 sq.ft. of living space. Just $365,000

6600 Lakota Court--Loveland

OPEN SATURDAY 11 AM - 3 PM

Renee SalzaKeller Williams(970) 231-5082 rsalza@msn.comwww.rsalza.com

BUILDERS MODEL-DAKOTA GLEN OPEN HOUSE 12 TO 4 THURS.-MON.

Looking for Maintenance-FREE* lifestyle? Open floorplan, patio home w/3 bdrms/3 baths, granite kitchenisland, backs to green belt with mountain views!Convenient location. MLS#622329. $342,000

3464 Peruvian Torch Drive, Loveland

Venna HillmanERA Herman Group/Glen Marketing970-663-4522 venna@glencompanies.comwww.DakotaGlen.com

BUILDERS MODEL - DAKOTA GLENOPEN HOUSE 12 TO 4 THURS.-MON.

Maintenance FREE* Patio Home-Great open floorplan-Split 3 bdrms - Upgrades and designer tile!Alder doors, trim & cabinets, 5 pc. master bath. Stonefireplace.. 2 1/2 car garage. MLS#666495. $339,900

3480 Peruvian Torch Drive, Loveland

Venna HillmanERA Herman Group/Glen Marketing970-663-4522 venna@glencompanies.comwww.DakotaGlen.com

Great 1 acre property in Indianhead Estates oncorner lot w/3 car attached garage PLUS separate 2car/shop! Room for your RV’s & room to expand foradditional garages!

27847 Arikaree Rd

OPEN SUN 1:30-3:00 PM

Maurine GarretsonColdwell Banker Plains Real Estate, Inc.970-396-9597 maurinegar@aol.comwww.coldwellbanker.com/local/plains

Built Green Certified Home! Better than new in thisbeautiful custom home within walking distance toEaton Golf Course. Awesome kitchen - lots of extras- 1 year HOA paid for buyer. MLS#651913.

1587 Red Tail Rd, Eaton

OPEN SAT & SUN 1:30-3:00 PM

Maurine GarretsonColdwell Banker Plains Real Estate, Inc.970-396-9597 maurinegar@aol.comwww.coldwellbanker.com/local/plains

Introducing Pittington Ranch! Panoramic views, openfloor plans, room for your horses! 90 plus acres ofriding space. Model home open! 13 homesites tochoose from, starting in mid $400’s

Just West of Loveland 288 Reservoir Drive!

OPEN SAT 1-4PM

Marleen TwitoPremier Lifestyle(970) 613-4400www.pittingtonranch.com

$200,000 - $299,999$200,000 - $299,999

$300,000 - $399,999$300,000 - $399,999

$139,840 Loveland 4905 Hahns Peak #101 1-3 PM RE/MAX Alliance, Jill Leichliter 970-443-7789

From the$140’s

Loveland 43rd St & Wilson AveThe Cottages at Enchantment Ridge

12-5 PM Cottage Realty 970-532-5900

Starting inthe $150’s

Milliken 110 Traders Lane 12-3 PM The Group Inc., Real Estate, Tracy Wilson 970-567-0907

From$159,900

Loveland 1899 East 11th St. 10 AM-6 PM Midtown Homes, Boise Village North,Wayne Lewis

970-456-4600

$162,500 NELoveland

1009 Shortleaf Ct 1 PM Sharp! RE/MAX Alliance-Loveland, KathyStandiford

970-679-1686

$163,000 Loveland 1126 S. Tyler Ave. 2-4 PM The Group Inc., Real Estate, Mary AnnMichels

970-310-7944

$169,900 Loveland 4403 Elliot Pl 12-5 PM Cottage Realty 970-215-0515

$174,900 Loveland 1450 Cattail Drive 11 AM-1 PM The Group Inc., Real Estate, Debbie Guinn 970-566-4626

Starting at$195,900

Berthoud Peakview Meadows 1-4 PM Century 21 Humpal, Inc., Kurt Albers &Chris Rampone

970-231-1224, 970-430-0845

Starting inthe $200’s

Loveland 930 Crabapple 12 Noon-3PM

Coldwell Banker, Dominic East 970-412-7743

Starting inthe $200’s

Windsor 292 Saratoga Drive 1-4 PM The Group Inc., Real Estate, Kelli Couch 970-310-8804

$205,900 Berthoud 820 Jay Place 1-3 PM RE/MAX Town & Country, Gary Maggi 970-692-2002

$207,315 Loveland 3441 Foster Pl 12-5 PM Cottage Realty 970-215-0515

$239,000 Loveland 4496 Hayler Ave 12-5 PM Cottage Realty 970-532-5900

$239,900 Loveland 1506 Gloria Ct. 1-3 pm ERA Tradewind, Rod Carlson 303-684-6321

$249,900 Berthoud Collins Park Subdivision 1-3 PM RE/MAX Alliance-Loveland, Kathy Beadell 970-290-1798

$259,900 Loveland 3518 Akron Court 1-3 PM The Group Inc., Real Estate, Rich Gardiner 970-227-0964

$287,296 Windsor 4607 Pompano Drive 12 Noon-5PM

The Group Inc., Real Estate, KristenSpecketer

970-290-8097

$295,000 Loveland Mirasol Senior Community, 1286Inca Drive

10 AM-1 PM Mirasol Senior Community 970-635-5931

$295,065 Windsor 4604 Free Hold Drive 1-4 PM The Group Inc., Real Estate, CaroleNewberry

970-443-4047

$298,000 SWLoveland

4453 Pika Drive, Loveland 1-4pm Coldwell Banker, Barbara Giesey 970-222-4035

$279,800 Loveland 4355 Ridgway Dr 2-5 PM Cottage Realty 970-532-5900

$299,000 Loveland 2892 Ariel Drive 1-3 PM The Group Inc., Real Estate, GeorgenaArnett

970-481-9801

$299,500 Loveland 1759 Horseshoe Drive 1-3 PM The Group Inc., Real Estate, LauraThomas

970-290-7544

$299,900 Loveland 1920 New Hampshire St 2-5 PM Cottage Realty 970-532-5900

$299,900 Loveland 4454 Stump Ave 12-5 PM Cottage Realty 970-532-5900

$335,000 Loveland 2890 Carina Circle 1-3 PM The Group Inc., Real Estate,GeorgenaArnett

970-481-9801

$339,800 Berthoud 1723 Wales Dr 1-3 PM RE/MAX Alliance-Loveland, Lisa Moore 970-566-4627

$339,900 NWLoveland

3480 Peruvian Torch 12 Noon-4PM

ERA Herman Group NoCo/Glen Marketing 970-663-4522

$342,000 NWLoveland

1/4 mile west of Wilson on 14thStreet/SW/HWY 402 to the DakotaGlen Subdivision

12 Noon-4PM

ERA Herman Group NoCo/Glen Marketing 970-663-4522

$365,000 Loveland 6600 Lakota Court 11 AM-4 PM Keller Williams, Renee Salza 970-231-5082

$369,000 Windsor 1587 Red Tail Road 1:30-3 PM Coldwell Banker Plains, MaurineGarretson

970-396-9597

Startingin the mid$400’s

Loveland 288 Reservoir Drive 1-4 PM Marleen Twito, Premier Lifestyle Realty 970-613-4400

$499,900 Loveland 1187 Coral Burst Drive, AlfordMeadows

12 Noon-4PM

Fuller Sotheby’s International Realty, RonMcCrimmon

970-214-2763

$785,000 Loveland 2078 Park Drive 1-3 PM The Group Inc., Real Estate, Cindy Kurtz 970-962-6832

From the$140’s

Loveland 43rd St & Wilson AveThe Cottages at Enchantment Ridge

12-5 PM Cottage Realty 970-532-5900

Starting inthe $150’s

Milliken 110 Traders Lane 12-3 PM The Group Inc., Real Estate, Tracy Wilson 970-567-0907

From$159,900

Loveland 1899 East 11th St. 10 AM-6 PM Midtown Homes, Boise Village North,Wayne Lewis

970-456-4600

$162,500 Johnstown/Milliken

1101 North Park Ave. 1-3 PM RE/MAX Alliance, Julie Stinson 970-622-1809

$169,900 Loveland 4403 Elliot Pl 12-5 PM Cottage Realty 970-215-0515

$189,900 Loveland 2016 Dotsero Ave. 1-3 PM The Group Inc., Real Estate, NancyWalkowicz

970-461-7136

Starting at$195,900

Berthoud Peakview Meadows 1-4 PM Century 21 Humpal, Inc., Kurt Albers &Chris Rampone

970-231-1224, 970-430-0845

$196,500 Loveland 3730 Jefferson Drive 11 AM-3 PM Homefinder.com, Rick & Sharon Nealeigh 970-988-1205

Starting inthe $200’s

Loveland 930 Crabapple 12 Noon-3PM

Coldwell Banker, Dominic East 970-412-7743

Starting inthe $200’s

Windsor 292 Saratoga Drive 1-4 PM The Group Inc., Real Estate, Kelli Couch 970-310-8804

$207,315 Loveland 3441 Foster Pl 12-5 PM Cottage Realty 970-215-0515

$220,000 Berthoud 660 Mt. Massive St. 1-3 PM The Group Inc., Real Estate, Cindy Kurtz 970-962-6832

$239,000 Loveland 4496 Hayler Ave 12-5 PM Cottage Realty 970-532-5900

$239,900 Loveland 1506 Gloria Ct. 1-3 pm ERA Tradewind, Rod Carlson 303-684-6321

$249,900 Berthoud Collins Park Subdivision 1-3 PM RE/MAX Alliance-Loveland, Kathy Beadell 970-290-1798

$269,000 Fort Collins 1215 Saint John 11 AM – 1PM

RE/MAX Alliance-Fort Collins South,Jennifer Kelly

970-581-9005

$275,000 Loveland 4253 Lookout Drive 1-3 PM The Group Inc., Real Estate, ValerieSchlageter

970-217-3464

$287,296 Windsor 4607 Pompano Drive 12 Noon-5PM

The Group Inc., Real Estate, KristenSpecketer

970-290-8097

$295,000 Loveland Mirasol Senior Community, 1286Inca Drive

1-4 PM Mirasol Senior Community 970-635-5931

$295,065 Windsor 4604 Free Hold Drive 1-4 PM The Group Inc., Real Estate, CaroleNewberry

970-443-4047

$279,800 Loveland 4355 Ridgway Dr 12-5 PM Cottage Realty 970-532-5900

$299,900 Loveland 1920 New Hampshire St 12-5 PM Cottage Realty 970-532-5900

$299,900 Loveland 4454 Stump Ave 12-5 PM Cottage Realty 970-532-5900

$339,800 Berthoud 1723 Wales Dr 1-3 PM RE/MAX Alliance-Loveland, Lisa Moore 970-566-4627

$339,900 NWLoveland

3480 Peruvian Torch 12 Noon-4PM

ERA Herman Group NoCo/Glen Marketing 970-663-4522

$342,000 NWLoveland

1/4 mile west of Wilson on 14thStreet/SW/HWY 402 to the DakotaGlen Subdivision

12 Noon-4PM

ERA Herman Group NoCo/Glen Marketing 970-663-4522

$347,900 Loveland 920 Norway Maple 1-3 PM The Group Inc., Real Estate, Rich Gardiner 970-227-0964

$364,900 Johnstown/Milliken

27847 Arikaree Road 1:30-3:00 Coldwell Banker Plains, MaurineGarretson

970-396-9597

$369,000 Windsor 1587 Red Tail Road 1:30-3:00 Coldwell Banker Plains, MaurineGarretson

970-396-9597

$369,963 Fort Collins 1031 Hinsdale Drive 1-4 PM The Group Inc., Real Estate, KeithHuntsman

970-227-2779

$374,900 Fort Collins 8039 Allot Ave. 1-3 PM RE/MAX Alliance, Jan Thayer 970-215-0880

$380,000 Loveland 629 Green Mountain Drive 1-3 PM The Group Inc., Real Estate, StephanieSoule

970-214-2452

$395,000 Fort Collins 1230 Twin Oak Ct 11 AM – 1PM

RE/MAX Alliance-Fort Collins South,Jennifer Kelly

970-581-9005

$398,500 Loveland 1915 Massachusetts St. 1-3 PM The Group Inc., Real Estate,DebbieHansen

970-222-9618

$419,900 Loveland 535 Marcellina Drive 1:30-3 PM RE/MAX Alliance, Don Riedel 970-669-1234

$431,900 Loveland 2009 Morning Drive 12 Noon-3PM

The Group Inc., Real Estate,JohnSimmons

970-481-1250

$499,900 Loveland 1187 Coral Burst Drive, AlfordMeadows

12 Noon-4PM

Fuller Sotheby’s International Realty, RonMcCrimmon

970-214-2763

$625,000 NELoveland

3015 Challenger Point Dr 11 AM – 1PM

RE/MAX Alliance-Fort Collins South,Jennifer Kelly

970-581-9005

$650,000 Fort Collins 627 Roma Valley Drive 12 Noon - 2PM

The Group Inc., Real Estate,KeithHuntsman

970-227-2779

Saturday Reporter-Herald Oc tober 15, 2011 D3

Mortgage rate update

30-year fixed

15-year fixed

5/1 ARM

This week Last week Tre n d

4.17%

3.47%

3.06%

4.03%

3.38%

3.00%

Home & Real Estate is producedevery Saturday by the

Loveland Reporter-Herald.

Regional Snapshot for Loveland/Berthoud Residential

Ju n e Ju ly Au g u s t

Active Listings 973 938 860Previous Year Active Listings 1101 1092 1054

Sold Listings 155 134 154

Median Sales Price $220,000 $208,958 $223,700Previous Year Median $234,000 $238,000 $192,000

Average Days on the Market 121 103 107Previous Year ADOM 121 122 121

Year to Date Listings Sold 676 810 964Previous Year YTD Listing Sold 728 839 941

News and Press Releases: TheReporter-Herald welcomes news onhirings, advancements, awards,classes and other information ofinterest to the real estate and homecommunity. Submit information toj c o d y @ r e p o r t e r- h e r a l d . c o m .

Advertising: For advertisinginformation, call Dan Grassmeyer.

Office: 970-635-3615Cell: 970-214-6297E-mail:

d g r a s s m e y e r @ r e p o r t e r- h e r a l d . c o m

H& Real Estate TransactionsRE

Real Estate Transac-tions are supplied byProspects UnlimitedInc., 1151 Eagle DriveNo. 467, Loveland, CO80537, 667-1537.

L oveland• Ryan & Angela

Padalecki fromMichelle Frazier, 2502W 46th St, Loveland,$194,000, home

• Mark & LorisOsier from Amy Simp-son, 3060 SedgwickCir, Loveland,$269,500, home

• Charles Klijewskifrom Teri J SysumTrust, 1029 FergusonCt, Loveland,$144,500, home

• Larry & VirginiaDixon from Bruce We-ber, 951 Claremont Pl,Loveland, $230,000,home

• Gregory & TinaMaki from WesternStates Bank, 811 Skin-ner Gulch Rd, Love-land, $400,000, home

• Peter & MarilynRoming from DonaldEdwards, 5125Brandywine Dr, Love-land, $309,000, home

• Wayne Sauvageaufrom Fannie Mae,23574 County Road 1,Loveland, $170,000,home

• Steven Arnoldfrom Federal Home LnMortgage Corp, 2551Fleming Dr, Loveland,$130,100, home

• Bruce Campbellfrom Rachel Hein,1350 22nd St Sw,Loveland, $110,000,home

• Lauren & DavidAllen from WilliamHull, 7554 Bison BluffSt, Loveland,$155,000, home

• Robert & PamelaPayne from Steve Sum-ner, 4057 Don Fox Cir,Loveland, $237,500,home

• Abelin Weagrafffrom US Bank, 1717Cameo Ave, Loveland,$166,000, home

• Martha & JohnMiller from Paul An-dreason, 1003 W 32ndSt, Loveland,$290,000, home

• Cody Winbergfrom Fannie Mae,1416 W 40th St, Love-land, $152,000, home

• Chad Fiscus fromFannie Mae, 1961Pikes Peak Dr, Love-land, $265,000, home

• Janet & JanetBurton from MatthewFarwell, 6064 Clearwa-ter Dr, Loveland,$480,000, home

• Kaylyn Waller fromLoveland Midtown De-velopment I, 848 LibraCt, Loveland,$219,900, home

• David & Kelly Riesfrom Laurie Mcphee,1314 Audubon Pl,Loveland, $215,000,home

• Weston &Stephanie Stobbefrom Stanley Brader,1109 W 7th St, Love-land, $225,500, home

Berthoud• James & Hannah

Zimm from BelleBuchholz, 808 GreenWood Dr, Berthoud,$181,900, home

• DianeBrotemarkle from Fed-eral Home Ln Mort-gage Corp, 101 EWelch Ave, Berthoud,$145,800, home

• Maria Hegan fromUS Bank, 680 Mt Mas-sive St, Berthoud,$185,900, home

• Jose & JohannaCabrera from MatthewAnderson, 1717 WalesDr, Berthoud,$355,000, home

• Orchard LLC fromUS Bank Na Nd, 10756th St, Berthoud,$82,000, home

Estes Park• William & Leola

Mackie from DanielCuneo, 1280 StrongAve, Estes Park,$149,500, home

• Jacquelyn &Jacquelyn Dodds fromRams Horn VillageOwners Assn, 1565State Highway 66 Unit13, Estes Park,$48,000, condo

• Michael & BonnieHaughey from SandraL Wilson RevocableTrust, 2031 MonidaCt, Estes Park,$325,000, home

• Andrew & LauraSlusher from NancyButterworth, 2825Dorsey Dr, Estes Park,$370,000, home

• Jill Zerhan from

Estes Investors LLC,1905 Wildfire Rd,Estes Park, $209,900,home

Johnstown• Gerardo Fremaint

from Alternative InvestLLC, 1849 Chesa-peake Cir Unit B,Johnstown, $164,900,condo

• James & CarolKeeling from Alterna-tive Invest LLC, 1849Chesapeake Cir UnitA, Johnstown,$215,700, condo

• Janelle Wadasfrom Mark Avery, 2676Pochard Ct, John-stown, $318,000,home

• Gary & KayLacrosse from JourneyHomes LLC, 245 AlderAve, Johnstown,$173,200, home

• Becky Morfordfrom Journey HomesLLC, 165 Alder Ave,Johnstown, $187,200,home

• Salomea & Kaz-imierz Gutaj from Ry-land Group Inc, 2809White Wing Rd, John-stown, $228,800,home

• John & SarahQuist from OakwoodHomes LLC, 3813Beechwood Ln, John-stown, $199,000,home

• Devin Pier fromOakwood Homes LLC,3837 Blackwood Ln,Johnstown, $200,800,home

• Matthew &Chelsea Allen fromOakwood Homes LLC,3852 Kenwood Cir,Johnstown, $197,300,home

• Timothy Marshallfrom Fed Home LoanMtg Corp, 311 Boul-der Ln, Johnstown,$182,500, home

• Casey & LindsayFencl from RylandGroup Inc, 2769 BlueAcona Wy, Johnstown,$303,000, home

M i l l i ke n• Joseph & Barbara

Defranco fromNicholas Troupe, 1473S Harvester Dr, Mil-liken, $139,000, home

• Craig & SarahGutierrez from FannieMae, 503 S Savannah

Cir, Milliken,$130,500, home

• William Shepherdfrom Hsbc Bk Usa,321 E Holly St, Mil-liken, $116,100, home

• Joseph Fantasiafrom Thomas Kapaun,722 Carriage Dr, Mil-liken, $175,000, home

Windsor• Philip Cook from

Timothy Adams, 1190Osprey Ct, Windsor,$485,000, home

• Mary Chochonfrom James Anderson,845 Durum St, Wind-sor, $219,500, home

• Tad & Nissa Chad-wick from MelodyHomes Inc, 623 Cam-berly Ct, Windsor,$314,400, home

• Douglas & JudithWilliams from MichaelShannon, 1987 Sead-rift Dr, Windsor,$400,000, home

• Ross Hartmannfrom Tc Invest LLC,757 Bluegrass Way,Windsor, $211,000,home

• Timothy & KendraAdams from DavidVohs, 1010 MedicineMan Ct, Windsor,$267,500, home

• Candice Monahanfrom Saint AubynHomes LLC, 641 WindRiver Ct, Windsor,$231,200, home

• Charles & Li Kintzfrom Cynthia Witt,1119 Valley Pl, Wind-sor, $218,900, home

• Kaitlyn Hagerfrom Reo BelmontRidge LLC, 7409 Pim-lico Dr, Windsor,$278,500, home

• John & KristinHamilton from Wind-mills LLC, 540 Moon-glow Dr, Windsor,$243,800, home

• Catherine Mearsfrom Windmills LLC,600 Moonglow Dr,Windsor, $232,300,home

F O R E C LO S U R E S

L oveland• Borrower: SorrelVentures LLC Dba,Lender: Farmers Bank,Amount: $906,115,Property: 1336 E 1stSt, Loveland, Filed:09/29/11• Borrower: Frank &

Jennifer Catalano,Lender: The Bank OfNew York Mellon,Amount: $225,566,Property: 3338 WrayCt, Loveland, Filed:09/30/11• Borrower: Patrick &Melissa O’briant,Lender: Bank OfAmerica Na Successor,Amount: $110,046,Property: 128 S Mon-roe Ave, Loveland,Filed: 09/30/11• Borrower: Patrick &Jacqlyn Jennings,Lender: ColoradoHousing And Finance,Amount: $158,414,Property: 1787 6th StSw, Loveland, Filed:10/04/11• Borrower: Tyler Arm-strong, Lender: HomeState Bank, Amount:$124,051, Property:546 8th St Se C-3,Loveland, Filed:10/04/11• Borrower: Frank &Anne Azaltovic,Lender: The Bank OfNew York Mellon,Amount: $146,033,

Property: 1829 10th StSw, Loveland, Filed:10/04/11• Borrower: Glenn &Ronda Whitmer,Lender: Home StateBank, Amount:$50,000, Property:2671 W EisenhowerBlvd 100, Loveland,Filed: 10/05/11• Borrower: David Fay,Lender: The Bank OfNew York Mellon,Amount: $197,953,Property: 1330 N Jef-ferson Ave, Loveland,Filed: 10/05/11• Borrower: TroyYoung, Lender: UsBank National Associa-tion, Amount:$197,134, Property:3347 Duffield Ave,Loveland, Filed:09/30/11

Berthoud• Borrower: Darren &Sarah Schnedecker,Lender: Us Bank Na-tional Association,Amount: $281,591,Property: 3301 Cot-tonwood Ln,

Berthoud, Filed:09/29/11• Borrower: CraigSiems, Lender: BankOf America Na Succes-sor, Amount:$138,215, Property:830 Jay Pl, Berthoud,Filed: 09/30/11

Johnstown• Borrower: Eric &Kimberley Potter,Lender: The Bank OfNew York Mellon F,Amount: $310,320,Property: 307 HoldenLn, Johnstown, Filed:09/30/11• Borrower: Joel &Elizabeth Valdez,Lender: DeutscheBank National TrustCompany, Amount:$195,463, Property:1835 Canvasback Dr,Johnstown, Filed:09/30/11

M i l l i ke n• Borrower: VirginiaMares, Lender: BankOf America Na Succes-sor, Amount:$236,224, Property:

109 Birdie Dr, Mil-liken, Filed: 10/03/11

Windsor• Borrower: Carl &Mary Lecroy, Lender:Bank Of AmericaNa Successor,Amount: $169,743,Property: 560 10th St,Windsor, Filed:09/30/11• Borrower: Larry &Mary Forrest, Lender:Aurora Bank Fsb,Amount: $192,313,Property: 1044 CanalDr, Windsor, Filed:09/30/11• Borrower: Glenn &Jacquelyn Wiggins,Lender: The Bank OfNew York Mellon,Amount: $149,629,Property: 103 Elm St,Windsor, Filed:10/03/11• Borrower: John En-gel, Lender: Wells Far-go Bank Na TrusteePooling, Amount:$186,337, Property:302 Granite Ct,Windsor, Filed:10/03/11)

www.reporterherald.com/e-edition

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D4 Saturday Reporter-Herald Oc tober 15, 2 0 1 1

H&Real Estate

B r i e fsRE

RE/MAX ALLIANCE TOUTS HIGH INVOLVEMENT INLOCAL REALTOR ASSOCIATIONS

Each year, many local Realtors are elected to their localBoard of Realtor associations. These positions reflect a cer-tain level of commitment of time and expertise to their com-munities and industry. The local Realtor associations are in-volved in many things — from taking a stance in political is-sues involving homeowners or real estate professionals, toraising money for local charities, or supporting the localhousing authorities, and more.

RE/MAX Alliance is proud to announce this year’s involve-ment on the local board associations in Fort Collins (FCBR),Loveland-Berthoud (LBAR), and Greeley (GARA) are as fol-lows:

• Sean Dougherty, FCBR Outgoing President• Ken Anderson, FCBR Incoming President• Amanda Weaver, FCBR Treasurer• Jennifer Kelly, FCBR Director• Francie Martinez, FCBR Director• Billie Jo Downing, LBAR Outgoing President• David Powell, LBAR Incoming President• Debb Manderscheid, LBAR Secretary• Abby Renner, LBAR Director• John DeWitt, GARA President Elect• Kevin Schumacher, GARA Director• Joanne Eskildsen, GARA Director• Mary Bengford, GARA Distinguished Service AwardIndividuals elected to positions within their local Realtor

association are elected among their fellow Realtors (NAR)each year at the end of the summer.

Gene Vaughan, broker/owner of RE/MAX Alliance said itis a great honor to have associates in his company take partin these leadership positions.

“I’m very pleased that we have such a strong presence inour local boards,” Vaughan said. “It says something very spe-cial about these individuals who have taken on this commit-ment to their community.”

Real estate associates who are Realtors are a part of theNational Association of Realtors and join by paying dues totheir local board associations. To become a Realtor, a real es-tate licensee must agree to the NAR’s Code of Ethics.

NAR’s Code of Ethics includes principles such as loyaltyand fiduciary duty to clients, cooperation with competitors,truthfulness in advertisements and more. Many of the prac-tices in the Realtor Code of Ethics go beyond the scope ofwhat is legal or illegal in the real estate industry. Not all realestate associates are Realtors.

GARA president-elect, John DeWitt, said it’s importantthat real estate professionals join their local Realtor associa-tion for many reasons.

“Realtors are held to a higher standard than other real es-tate professionals,” DeWitt said. “It’s not just about what isright or wrong in terms of the law, it’s about what is best fortheir clients, communities and industry.”

Vaughan adds that, “it’s important that our associates arenot only making a commitment to represent themselves andtheir company well, but also supporting their communities.”

Each local board in Northern Colorado devotes its re-sources to many local causes and charities. Habitat for Hu-manity, Larimer & Weld County Food Banks, Neighbor-to-Neighbor, Susan G. Komen Race for the Cure, along withgrants for many other local non-profits and scholarshipsthrough the Colorado Association of Realtors Housing Op-portunity Foundation, are a few of the main organizationsthat FCBR, LBAR and GARA all contribute to.

LBAR incoming president, David Powell said this type ofcommunity involvement is important to the real estate in-dustry on the local, as well as national levels.

“Housing affects everyone in the community, not just buy-ers or sellers, and it’s paramount that our Realtors are ac-tively involved in bettering our communities,” Powell said.

RE/MAX Alliance is the largest RE/MAX franchise in theworld, with 19 offices of over 650 real estate agents, span-ning from Fort Collins to Castlerock. For more information,please contact Laura Carper at 970-482-1781 or e-mail atl c a r p e r @ h o m e s i n c o l o r a d o. c o m .

settled for less than the full amount owed, you may find thatno lender for will give you a loan for up to five years.

Unfortunately, your lender may also have the ability to sueyou for any amount of money that is owed above and beyondwhat is collected from the foreclosure sale. So watch out inyears to come because many lenders are selling these defi-ciencies to collection agencies.

Under the documents you signed with the lender, you mayhave the contractual right to take any of these actions andbear the consequences.

On the question of how to act honorably, you will have todecide that for yourself. We’ve written extensively about thisissue in the past. When a home is foreclosed, the price itcommands in the market is generally far below what it mighthave gotten if it had been sold to a buyer in an ordinary realestate transaction. Your neighbors may feel that your actionsare not moral or honorable.

For this reason, some communities now regard short salesas bad but not as “morally” bad as when homeowners “walkaway” from their homes, leaving lenders to sell the homes atrock bottom prices.

One last side note, you can certainly try to see if yourlender is willing to modify the terms of your loan. Call aHUD-certified housing counselor to evaluate your options(the toll-free number is 888-995-HOPE).

You should contact your lender sooner rather than later.But if the reason you are unable to pay your bills is becauseyou’ve lost your job, you may find it impossible to get a loanmodification.

GLINKFrom Page D1

MICHELE LERNERBA N K R AT E .COM

Home sellers around the coun-try are sometimes eagerenough to sell their property

that they will offer buyers a car, a per-sonal watercraft or even a pet tosweeten the deal. Realtors say thatwhile these enticements create buzz,buyers are more attracted by theright asking price than a gimmick.

“We ’re in a price war and a beauty

contest,” said Tony Vehon, broker andowner of Weichert Realtors — L akeRealty in Gold Canyon, Ariz. “Ever yhome has to be priced right and lookperfect. After that, a special incentivemight drive traffic, especially if youoffer something that grabs atten-tion.”

Vehon mentioned a client whomade the home “move-in ready, sell-ing it with brand-new furniture, linensand kitchen gadgets and even a car inthe garage. The house sold, but the

people who bought it didn’t actuallywant the car. They asked for a crediton the price instead.”

Orhan Tolu, broker for Century 21Realty Alliance in San Francisco, saidbuying new furniture for high-end list-ings or giving buyers a $2,000 giftcard at an interior design studio canattract attention.

“To create some news, the sellerssometimes throw in a Mercedes or aboat if the home sits on waterfrontp ro p e r t y, ” Tolu said.

Martha Thorn, a sales agent withThe Thorn Collection at ColdwellBanker Residential Brokerage nearTampa, Fla., said sellers in her areahave offered personal watercraftalong with a property, and one offereda custom-made fishing cart to buyers.

“The house was a $4.9 million man-sion on a bluff overlooking the water,and the homeowner had someonemake an electric cart” for transport-ing equipment, Thorn said.

Not all incentives are for high-end

property. Thorn said one seller includ-ed season tickets to the Tampa BayBuccaneers’ football games on ahome priced at less than $200,000.

“The buyers were thrilled with thet i c ke t s , ” Thorn said, but “the mostimportant thing is always the price.”

Linda O’Koniewski, broker/ownerof Re/Max Heritage in Melrose, Mass.,said she has heard of sellers offering acat or a dog along with their home.

Home-sale incentives work only if price is right

� See INCENTIVES/Page E5

E

Saturday Reporter-Herald Oc tober 15, 2011 D5

“The sellers see it as an en-ticement, but I’ve never actual-ly seen someone successfullypass on their pet to a buyer,”said O’Ko n i e w s k i .

Besides having a homepriced to sell and perfectlystaged, cash is usually themost effective seller incentive,she said.

“An offer to pay condo feesfor a year or so will definitely

create some buzz, and at leastget a buyer to take a secondlook at a property,” O’Koniews -ki said.

Tolu said offering a bonus,such as an additional 1 percentor 2 percent commission, willencourage real estate agentsto show a property, which canhelp it stand out in a crowdedm a r ke t .

“Another option is for the

sellers to offer their own fi-nancing,” Tolu said. “...Some -times someone who is retiringand has a lot of equity in theirhome will be willing to offerfinancing because they geta decent return on theirm o n e y. ”

Thorn said the most effec-tive incentives bring trafficto the home, even if theincentive is given to a charityrather than directly to theb u y e r.

“We ’ve organized charityevents at a home that’s on themarket, with the sellers donat-ing money to the local chari-

t y, ” Thorn said. “The eventgets people into the home,which increases the chancethat someone will see it andwant to buy it.”

O’Koniewski said sellersneed to realize that “noamount of marketing willmake a dent if the price is notright.”

Beyond price, O’Ko n i e w s k isaid sellers should havegreat photos online and atruthful description of thep ro p e r t y.

Vehon said sellers should fo-cus on identifying the appro-priate price for the property

first, and then work on curbappeal and staging.

“Sometimes clients won’teven get out of the car if thehouse doesn’t look good fromthe outside,” Vehon said. “Buy -ers need a reason to take thenext step and go inside thehouse.”

Once inside, buyers expectto see a home in excellent con-dition that has been staged toshow off its advantages, Vehonsaid.

“The most importantthing to remember is that ifa house is priced correctly, itcan even get multiple offers,”

Thorn said.Mortgage rates bounced back

big-time from all-time lows thisweek.

The 30-year fixed-rate mort-gage added 16 basis points to4.17 percent. A basis point isone-hundredth of 1 percentagepoint.

Rates for 15-year fixed-ratemortgages followed suit, jump-ing 13 basis points to 3.59 per-cent. The average rate for 30-year jumbo mortgages, or gen-erally for those of more than$417,000, was 4.9 percent,climbing 8 basis points fromlast week’s rate.

IncentivesFrom Page D4

m.reporterherald.com

E

Open Houses This Weekend - www.thegroupinc.com

SUNDAY 1:00-3:002016 Dotsero Avenue, Loveland Original owner! 4 bedroom,3 bath (2 on main), all brick ranch. Quiet area, mature trees,partially fenced yard, sprinkler system and patio. Newergarage doors (3 years) and roof (3 years). No HOA! Co-listedwith Robert Walkowicz 481-6077.

$189,900MLS# 665745

Call Nancy Walkowicz461-7136

SATURDAY & SUNDAY 1:00-4:004604 Free Hold Drive, Windsor Brand new, beautiful 3bedroom, 3 bathroom w/loft & main floor master. Gardenlevel, full basement w/deck & 3-car garage. Granite kitchen,stainless steel appliances & much more! See model at 4613Pompano Dr. Other plans starting at $239,900”

$295,065MLS# 660768

Call Carole Newberry443-4047

SUNDAY 1:00-3:00629 Green Mountain Drive, Loveland Custom built home.NEW carpet, granite countertops, kitchen hardware, missionstyle light & interior paint. Wrap-around deck for spectacularviews of Pinewood Lake, Longs Peak, Meeker & IndianPeaks. Enjoy hiking, biking & fishing. Minutes from Loveland,Longmont, Boulder & DIA.

$380,000MLS# 638355

Call Stephanie Soule214-2452

SUNDAY 1:00-3:001915 Massachusetts Street, Loveland Beautifully appointedsouth-facing ranch style home. Open floor plan features anamazing kitchen, wood trim & doors, hardwood floors, fine tileaccents and much more. Finished basement has a rec roomw/wet bar, 2 bedrooms & office. Enjoy the patio and views ofthe foothills. Huge 4-car garage.

$398,500MLS# 665441

Call Debbie Hansen222-9618

SUNDAY 1:00-3:00660 Mt Massive Street, Berthoud Beautiful home in a quietneighborhood. 3 bedrooms, 2 baths with builder finishes.Hardwood floors in kitchen, panel oak cabinets and coveredporch. Unfinished basement offering room to grow. Spaciousback yard with excellent views.

$220,000MLS# 664809

Call Cindy Kurtz962-6832

SATURDAY 1:00-3:001759 Horseshoe Drive, Loveland Well-cared for homein Seven Lakes. 3 bedrooms plus study. Engineered woodfloors, formal & informal dining, gas log fireplace in familyroom, newer kitchen appliances, security system. Finished &insulated 3 car garage. Beautiful yard. Close to Boyd Lakeand bike trail.

$299,500MLS# 665354

Call Laura Thomas290-7544

FRIDAY - SUNDAY 12:00-3:00110 Traders Lane, Milliken Pick your own fixtures, carpet & colors.Wonderful ranch style & 2-story home plans to choose from. Yourchoice of 3 great subdivision to live in – Settlers Village – ColonyPoint or Centennial Farms. VALUE YOU CAN SEE… QUALITY YOUCAN COUNT ON with a WINDMILLS HOME. Visit us at 110 TradersLane in Settlers Village. 100% FINANCING! NO MONEY DOWN!!!

Prices starting in the $150’sMLS#

Call Tracy Wilson567-0907

NEW CONSTRUCTION

SUNDAY 1:00-3:004253 Lookout Drive, Loveland Thinking of downsizing? Notquite ready for a patio home? Come see this open great rmranch w/ 3bd, 2ba, 1700 fin sq ft + unfin garden lvl bsmt,3-car, in Mariana Butte. Cherry cabs, wood flrs & more! Guestsuite, mstr w/ 5pc bath & lrg walk-in closet. Low HOA dues!

$275,000MLS# 666537

Call Valerie Schlageter970-217-3464

NEW ON THE MARKET!

SUNDAY 1:00-4:001031 Hinsdale Drive, Fort Collins 6 Bdrm, 4 Bath 2-storyw/4021 total sf. Loaded w/upgrades and features. Open floorplan, granite counters, new carpet & hardwood flooring.5-Piecemaster bath, 2 water heaters, full finished basement & more!

$369,963MLS# 663036

Call Keith Huntsman227-2779

PRICE REDUCED!

SATURDAY 11:00-1:001459 Cattail Drive, Loveland Great home for 1st time buyeror investor. Located in Southwest Loveland, convenient toshopping and schools. 3 bedrooms, 2 baths and a 3-car garage.Nice landscaping. Lots of storage in the heated/air-conditionedgarage. 8x10 shed in back.

$174,900MLS# 662262

Call Debbie Guinn566-4626

SATURDAY 2:00-4:001126 S. Tyler Ave., Loveland Well maintained 3 bd., 2 ba. homein S.W. Loveland. Close to schools, shopping & the new A.C.E!Open floor plan, central air & 2-car garage. Fully fenced yard w/sprinkler system, patio, storage shed & extra parking. Vaultedfamily room & open floor plan make this an easy home to livein!

$163,000MLS# 666599

Call Mary Ann Michels310-7944

NEW ON THE MARKET!

FRIDAY - SUNDAY 1:00-4:00292 Saratoga Drive, Windsor Greenspire at Windsor Lake. It’smore than just a home… IT’S A QUALITY OF LIFE! Miles of biketrails, open space & parks. Personalize your home from framingto finish! Extraordinary floor plans – Ranch & 2-Story. Lotsavailable on Windsor Lake! Visit our Sales Center at 690Moonglow Drive or call for a personalized showing!

Homes Starting in the $200,000s!MLS# 643842

Call Kelli Couch970-310-8804

NEW HOMES BUILT BY WINDMILLS LLC!

SATURDAY 1:00-3:003518 Akron Court, Loveland Unique 4-level on a ¼ lot. 4bedrooms, 3 baths, large kitchen, living room and family room.Master suite w/jetted tub and large shower with 4 heads.Sun roomw/tile floor & hot tub looks out to a mature, park-like backyard &multi-level deck. Newer carpet & paint. Low maintenance vinyl &brick siding. Close to schools & sculpture park.

$259,900MLS# 666526

Call Rich Gardiner227-0964

SATURDAY & SUNDAY 12:00-5:004607 Pompano Drive, Windsor 3 bedroom, 3 bath ranch with3-car garage. Loads of upgrades, backs to open space! Allof our homes are energy-efficient on oversized lots! Visit ourmodels for other plans available starting at $239,900.

$287,296MLS# 661199

Call Kristen Specketer290-8097

NEW CONSTRUCTION

FRIDAY & SATURDAY 1:00-3:002892 Ariel Drive, Loveland Colorado Craftsman style homequality built by Oak Valley Homes. Kitchen features a largeisland and shaker style alder cabinetry. Ranch style home withopen floor plan backs to open space. Beautiful finishes includehardwood floors, designer tile & slab granite. Full, unfinishedbasement. Fully landscaped yard.

$299,000MLS# 662114

Call Georgena Arnett481-9801

NEW CONSTRUCTION

FRIDAY & SATURDAY 1:00-3:002890 Carina Circle, Loveland Colorado Craftsman style home.Finishes include hardwood floors, designer tile, slab granite,alder trim & doors and shaker style alder cabinetry. 12’ ceilingsin great room w/wood beams. SS appliances, gas fireplace andcustom built-ins. Fully landscaped. Close to I-25, Centerra andthe Medical Center of the Rockies.

$335,000MLS# 662119

Call Georgena Arnett481-9801

NEW CONSTRUCTION

SATURDAY & SUNDAY 1:00-3:00920 Norway Maple, Loveland New custom home by TroendlyConstruction. Ranch w/2 bedrooms & den on main level. Bdrm,bath & family room finished in basement. Tandem 3 car garage.Nice finishes included granite, Alder cabinets & stainless steelappliances. Fully landscaped w/auto sprinklers. Move in ready -see this lovely home today.

$347,900MLS# 654230

Call Rich Gardiner227-0964

MOVE-IN READY

SUNDAY 12:00-3:002009 Morning Drive, Loveland Spectacular Views –COMPLETELY Remodeled on 1.48 acres. Private, peaceful &serene mountain feeling, yet the convenience of paved roads,natural gas, city water & public sewer. All-season sunroom w/radiant heat. Upgrades include iron railing, wood floors, high-end finishes, granite counters, SS appliances....

$431,900MLS# 661575

Call John Simmons481-1250

PRICE REDUCED!

SATURDAY 1:00-3:002078 Park Drive, Loveland Lake home offering spectacularviews. Exclusive use of lower Hoffman Lake w/potential for aprivate dock. Relax on your deck & take in the breathtakingviews of the Rocky Mountains. Slab granite countertops, tile &custom hickory cabinets, doors & floors. Outdoor shed & 3 cargarage. Across from park w/biking & hiking trails.

$785,000MLS# 666280

Call Cindy Kurtz962-6832

SUNDAY 12:00-2:00627 Roma Valley Dr, Fort Collins 5 Bdrm, 5 bath 2-story w/5461total sf. Open floor plan, gourmet kitchen, all bedrooms haveprivate bath, main floor study, full finished walkout basementand backs to Fossil Creek open space.

$650,000MLS# 656565

Call Keith Huntsman227-2779

AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE

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

homes for sale and new home neighborhoods throughout Northern Colorado.

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PRICE REDUCED!

PRICE REDUCED!

SUNDAY 1:00-3:00

D6 Saturday Reporter-Herald Oc tober 15, 2 0 1 1

H& Front Range GardeningRE

CA RO L O'MEARACSU EXTENSION

Finally, frost is threatening thegarden, and we can turn ourthoughts to putting it to bed

for winter. But like an overactive tod-dler, getting the landscape ready forbed involves more than a few minutesof your time.

The last half of October is a crucialtime to do a few chores, prepping theplants and sprinkler systems forchilly, dry days. Here is a short list ofa few tasks for you to put on themust-do list before the ground freezesand winter arrives.

• Mulch your trees and perennials.To keep moisture in the soil and

prevent frost heaving, a bit of mulchgoes a long way. Use organic mulchsuch as shredded bark or wood chips,spreading it in a three- to four-inchlayer in a two-foot area around theplant. More is not better; avoid pilingit up by the mound against treetrunks. Such “mulch volcanoes” en -courage varmints to nest against thetrunk, where they gnaw the bark, or itholds water against the tree and en-courages disease. Keep a two-inchbuffer between the mulch and thetree to thwart pests.

• Clean up the vegetable garden.Just as proper hygiene helps ward offcolds and flu, a good cleaning willkeep gardens healthy. Many pestsspend winter in old plant debris,ready to attack in spring. Thwartthese unwanted guests by getting ridof garden debris, whisking away hid-ing places that protect them from thecold.

• Some fungi survive on diseasedplants or weeds through the winter,especially viruses. Remove as manyweeds as possible, clean out the deadplants, and pick up fallen leaves.

• Blow out sprinkler lines. To keepyour system safe, follow these tipsfrom the Associated Landscape Con-tractors of Colorado (alcc.com):

• Wrap your backflow preventer foras long as you keep your system oper-ational. If you haven’t winterized yoursystem when temperatures are due todip, swaddle the backflow device withR13 building insulation or towels,three to four inches thick, wrappingthe pipe all the way to the ground.Cover it all with plastic, then secure itwith duct tape.

• Once you put the landscape tobed, winterize the system by shuttingoff the water and draining the lines.Most systems in Colorado requireblowout, but a few have manual or

auto drains to remove water. Shouldyou have one of these, consider blow-ing out the system anyway, since linessettle over time and low spots oftendevelop that hold water.

• Have your system blown out byprofessionals with an air compressor;most home compressors don’t getenough pressure, leaving lines filledwith water. Make your appointmentsoon; as the month wears on, compa-nies get busy, especially when thetemperatures start dropping. The $50to $100 service can save you prob-lems during the deep freezes of Jan-uary and February.

• Winterize the lawn. Disease-caus-ing fungi invade the turf early in the

season, living off food made by thegrass. Colonizing the soft new growthof lawns in spring, late summer prob-lems actually begin just when theplant starts actively growing.

Research at Colorado State Univer-sity has shown that early sea-son fertilization of lawns en-courages both diseases bypushing growth of youngleaves. Before you can worryover your first mowing, thefungi have invaded the plant.

One way to cheat the dis-eases is to change how youmanage the lawn by giving it ashot of late season fertilizer inearly November. Because it

slowly feeds the grass and laststhrough spring, a winterizer shouldbe used now. Then go with your regu-lar-strength balanced fertilizer oncein early May, once in June, and againin early September.

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

Front Range Gardening

WinterisNear

Prepare forwinter withthese must-dofall chores

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