home and real estate weekly

HOME & RealEstateWeekly

April 23, 2011

Longmont Times-Call www.HomeandRealEstateWeekly.com

Water features add interest

SereneBeauty

HUD drops harsh ruleon reverse mortgages

Garden-in-a-boxperfect for Coloradolandscapes

2 Times-Call / Home & Real Estate Weekly April 23, 2011

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 CoverWater features add serene beauty and interest to any yard. See story above.(Courtesy Rocky Mountain Waterscapes)

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.

Just AddWater

By Kendra WalkerLongmont Times-Call

We often attempt to imitate the naturalbeauty of the environment we love on asmaller scale in our own backyards. Manyof our ideal images of mountain natureinclude water: a babbling brook, a peacefulstream or lake, a rushing waterfall.

“People want to include those naturalfeatures they see in Colorado and enjoy

them in their everyday life,” says JasonWagner of Napp Landscape Services inLongmont. “They affect your five senses.”Adding water features to your yard’s

landscape allows this connection with na-ture to occur right outside your door. Youcan build a water feature to complement al-ready existing components in your yard, orbuild a feature that allows you to add ele-ments in the future. Ideally, water featuresshould be placed facing your home so youcan visually enjoy them both inside andoutside.There are generally two different types of

water features you can build in your yard –a pond or pondless waterfall. Materials forthe foundation can range from natural

rock, stone, block materialor stucco. Both ponds andpondless waterfalls canrange in appearance, from anatural habitat look to

modern and architectural.Ponds are a feature that will likely in-

clude more vegetation, and will attractmore natural wildlife into your yard.“The typical koi pond allows people to

have a natural ecosystem with fish in it,”says Mark Russo of Rocky Mountain Wa-terscape in Erie. “They’re the bread andbutter of water features.” A pond with koifish or goldfish will usually need to be atleast 3 feet deep, Wagner recommends.Whether you include fish or not, ponds ac-cumulate algae and the buildup will needto be cleaned on a regular basis.Pondless waterfall features are another

option for your yard, they give the visualeffect of falling water that disappears into abasin. “They add a sense of mystery,” Russosays. Pondless waterfalls typically use lesswater than a pond and don’t require asmuch attention. These features can alsoeasily fit into smaller yard spaces where

making additions is limit-ed.Wagner also suggests

incorporating fire ele-ments with the pondlesswaterfalls for an addition-al touch. “You have thefire element at night withthe calming sound of thewater,” he says.As with many backyard

elements, water features

will need ongoing maintenance and atten-tion. “The upkeep with any water feature issimilar to a spa or pool,” Wagner says. Aswith a pool, water features contain a skim-mer that will keep large debris from gettingstuck in the pump.With the concern of summer drought

and water restrictions in Colorado, it’s im-portant to monitor how much water will beused in water feature. In water conserva-tion and sustainability, water features fall inthe middle for water efficiency, says Wagn-er. “You may use one-third of the water thata lawn uses for watering.”Water features can be run year-round

and are not negatively affected by Col-orado’s snowy winters. “You may see a littleice forming, but if it’s built correctly, thewater will still be running,” Russo says,adding that many people choose to shut offtheir pondless waterfalls during the coldmonths.Most parts for water features are com-

monly found at home and garden stores ornurseries. Consider hiring a landscaper tohelp execute your vision for your water fea-ture.No matter which water feature suits you,

including water into your home’s landscapeprovides a calming and restful experience.“Water features create a backyard oasis forpeople,” Russo says. “It’s something theycan come home to and enjoy while windingdown from the day.”

Water features addserene beauty toyour yard

Above courtesy Rocky Mountain Waterscape,right Napp Landscape Services

Above courtesy Napp Landscape Services,right Rocky Mountain Waterscape

April 23, 2011 Times-Call / Home & Real Estate Weekly 3

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HUD drops harsh ruleon reverse mortgages

Plant now forsummer bulbs

The Department of Housing and UrbanDevelopment (HUD) has thrown out a ruleit put in effect in 2008 for reverse mort-gages that was causing grief for somehomeowners and heirs.The rule reversal came about

in response to litigation by theAARP Foundation, which suedHUD on behalf of three surviv-ing spouses of deceased reversemortgage borrowers, who wereput in danger of foreclosure be-cause of the rule.Reverse mortgages are loans

available to seniors aged 62 orolder who have equity in theirhomes. The loan typicallymakes cash or a line of creditavailable to the homeowner based on theequity in the property and homeowner’sage. Seniors have been warming to reversemortgages because their obligation to repaythe loan is deferred until they die, sell thehome or move out. Prior to the 2008 rulechange, the general practice stipulated thatsurviving spouses, who may have been re-moved from the title in order for the elderpartner to qualify for the reverse mortgage,could purchase the home for 95 percent ofthe property’s true market value.At the close of 2008 – which Jean Con-

stantine-Davis, a senior attorney with theAARP Foundation, characterizes as“uniquely bad timing because the real es-tate market had plummeted and was con-tinuing to plummet” – HUD issued a letterthat changed the game. In it, policy wasamended to require that an heir pay the fullmortgage balance to remain in the home,even if it exceeded the property’s value AsConstantine-Davis notes, “It put most ofthe (reverse) mortgages underwater imme-diately.”In March, the AARP Foundation filed a

formal challenge to the rule. Of the manyreasons behind the suit, Constantine-Davishighlights the lack of due process behindHUD’s sudden reversal in policy.

Last week, HUD, perhaps realizing thatthe increased attention garnered by reportsof widespread foreclosures on seniors wasbad public relations, proactively rescindedthe 2008 letter, heading off foreclosure pro-

ceedings against the plaintiffs.Constantine-Davis asserts

that the AARP will do its part tohelp HUD spread the word.“These foreclosures should bestopped,” she says. “HUD is-sued a letter to the servicers,and the onus is on them tocommunicate with the home-owners. We’re still workingwith HUD to ensure the wordgets out. There’s no questionthat people who are being fore-

closed on now, and about to be evicted,will be helped by this.”The reversal of the 2008 rule only ad-

dresses part of the original lawsuit, but theAARP Foundation’s legal team has reasonfor optimism. The other half of the equa-tion is a Home Equity Conversion Mort-gage (HECM) program statute that speci-fies that if the borrower (or estate) doesnot pay the balance when due, the mort-gagee’s remedy is limited to foreclosure.However, in light of last week’s capitula-

tion, Constantine-Davis believes momen-tum is on the people’s side. “I don’t knowwhat steps HUD is going to take fromhere,” she says. “They have filed a motionto dismiss the case. HUD may issue a newrule altogether. We would then have tolook at that rule to see if it offers enoughprotection for people. This could be goodnews for heirs.”HUD has indicated that prior rule

changes were intended to make certainthat all sales of properties were legitimate,market-driven sales and based on eachproperty’s real value.

Ilyce R. Glink’s latest book is “Buy, Close, Move In!”If you have questions, you can call her radio showat 800-972-8255 any Sunday, from 11 a.m. to 1p.m. EST. Contact Ilyce through her website atwww.thinkglink.com.

Ilyce GlinkTribune Media Services

By Sean ConwayTribune Media Services

Many gardeners remember to plantspring-blooming bulbs such as daffodils,tulips and crocus in the fall but often forgetto plant summer-blooming bulbs, cormsand tubers when spring arrives.Summer bloomers such as fragrantoriental lilies, colorful gladiolas or late-season dahlias are some of the mostreliable plants for the garden. Mail-ordersuppliers provide the best selections, andearly spring is the time to start thinkingabout placing orders.Summer blooming bulbs can be added toa mixed border as a way to extend theblooming season once the flush of springperennials passes, or they can be plantedin groups away from other plants.As is the case with their spring bloomingbrethren, there are many different typesof summer blooming bulbs. Some begintheir floral display early in the season,others in midsummer, and still others suchas dahlias, which are tubers, will continueblooming right up until they are knockeddown by frost.Lilies, the queen of bulbs, are by far themost popular of the summer bulbs and forgood reason. They are available in avariety of sizes, shapes and colors. Somehave outfacing flowers, some pendant andothers upward-facing.Oriental lilies are the type most of us arefamiliar with thanks to their large flowers,intoxicating fragrance and sturdy stems.

The variety Casa Blanca, with its purewhite flowers and green stamens, is ahardy bulb that when planted in full sunand well-drained soil will return year afteryear, improving with age.Well-established Casa Blanca lilies canproduce flower stalks reaching upwards of6 feet with multiple blooms that openthroughout the course of two or moreweeks.I grow them in a bed by themselves, butthey also can be planted in a mixedborder. Blooming in August when otherplants in the garden are gasping from thesummer heat, their sweet perfume seemsto hang in the air, especially during thosewarm summer evenings when we allspend more time outside.Asiatic lilies, while not fragrant, canprovide your garden with a vibrancy thatfew flowers can match. Bright star-shapedblooms in shades of orange, peach, yellow,red, white and pink begin blooming inearly summer, and help the gardentransition from the cool pastel colors ofspring into the warm colors of summer.Other summer bulbs may be less wellknown than lilies, but no less deserving ofspace in the summer garden. Considerplanting the beautiful star-shapedCamassia, which comes in a variety ofshades ranging from creamy white to lightblue to a deep violet.After you have finished browsing, don’tforget to peruse a bulb catalog or two.When the days of summer arrive yourgarden will be awash in color.

A summer-bloomingoriental lily hybrid.

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CANDICE TELLS ALL

Design that FlowsAt some point, we’ve all been told to ’’go with the

flow.’’ When it comes to great design, it’s definitelysage advice.This hit home for me during a recent redesign

for my clients, Lisa and Randy. The couple recentlyrenovated their kitchen into a sleek, contemporarygem, full of clean lines and beautiful finishes. Butthey had an adjacent family room that was a totaldisconnect. With its parquet flooring and clunkyfurniture – not to mention a giant giraffe statue –the family room looked like it belonged to anotherhouse.The couple wanted harmony between the two

rooms, but didn’t know where to start. So, puttinginto play the principle of design flow, I set out tomake the uninspiring family room visually relate tothe gorgeous kitchen.The key to this type of design is getting the two

rooms to speak the same language, and this is donewith material, form, shape and color. To make thishappen, I got rid of everything in the family roomand started from scratch.I selected a color palette of the grays, charcoals,

tans and browns used in the kitchen, and decidedon the best ways to extend those shades into thefamily room. I painted the family room a light grayand installed new walnut hardwood flooring thatpicks up on the color of the kitchen island.The family room consisted of three walls that I

made use of in different ways. On the back wall, Icreated a dark gray accent wall and installed a mod-ern gas fireplace. I then flanked the fireplace withlarge white cabinets that include mirrors and wood-en display shelves.I fashioned a sitting area along the second wall,

complete with two tan faux-hide chairs that relateto the golden color of the kitchen tiles and twographical ottomans. On the window, I installedsimple blinds and flanked them with panels of nat-ural-colored drapes accented with gray banding.

I gave the third wall a dash of the unexpected.On half of the wall, I installed a large-scale floralmural that relates to the kitchen’s flowery chairs.On the other half, I hung a huge custom-madewooden door with exposed hardware, which injectsa bit of rustic character into the space.

One way to create flow is to ensure that yourspace has effective traffic patterns from one zone tothe next. Lisa and Randy’s old sofa was bulky andobstructed the flow. In its place, I put a contempo-rary sectional with a low back that divides thespace without stopping the flow. Upholstered in adark charcoal fabric with a slight heather look, the

sectional speaks to the charcoal that runs throughthe kitchen’s backsplash.

For me, finishing a design means concentratingon the details. And in this project, details were abig part of establishing the flow. So, I brought inside tables, throw pillows, artwork and accessoriesin colors and styles that helped pull the rooms to-gether.

It’s one thing to create a beautiful space on itsown, but in design, no room is an island. By usingcolors, materials and even a bit of the unexpected, Icreated visual flow between Lisa and Randy’skitchen and family room. The rooms now speak acommon language – and will be happily chitchat-ting for years to come.

Interior decorator Candice Olson is host of HGTV’s ’’Can-dice Tells All.’’ For more ideas, information and show times,visit http://www.hgtv.com/candice-tells-all/show/index.html.

Candice OlsonHGTV

By using complementary colors and materials, Lisa and Randy's kitchen and family room now speak a commonlanguage. (SHNS/Courtesy HGTV)

www.LiveKingsbridge.com

Townhomes

13-164351


Garden-in-a-box perfect for Colorado landscapes

Decorating tips help you add warmth to your home

A prepackaged garden reminds me of thefamous Forrest Gump line “you neverknow what you’re going toget.” The lush photographs andcheerful ads all but promiseyour yard will become paradiseif only you’d orderthe deluxe combinations,personally picked for you and100,000 other special shop-pers.The trouble is, those kits

might be nice in gentler areaslike Ohio, but Colorado condi-tions smacks those plants withheat, drought, heavy soil andenough wind to blow Dorothyback to Kansas.Only the toughest survive and too often,

you’re left with gaps in the design that getfilled in by bindweed, dandelions orpurslane. You never see this in the advertis-ing.Fortunately for us, the Center for Re-

Source Conservation, in partnership withthe cities of Boulder, Loveland, Longmont,Westminster and Golden, offer a watersmart solution: their annual sale ofGarden-In-A-Box kits, professionally de-signed to provide eye popping beauty on athin water diet. These plant-by-numbers

xeriscape gardens are an easy, convenientway to jump into having a garden filled

with plants tough enough forthe wild, dry west.In keeping with the CRC’s

water division’s mission to helpColorado residents conserve wa-ter, the gardens are custommade by talented designers wholive locally. Hand-picked for ourregion’s dry conditions, the de-signs are filled with bold colorand eye-pleasing textures. Theyrequire less than half the waterof bluegrass lawns and, accord-ing to Colorado WaterWise, canincrease property values by up

to 15 percent.“It’s important to recognize that

xeriscaping does not mean covering yourlandscape with rocks and cactus, or thatyou can’t have any bluegrass,” says JeffWoodward, CRC’s Water Division Director,in a press release. “The key is to come upwith a landscape design that will suit yourneeds while still conserving water. Garden-In-A–Box does just that.”Interested shoppers can choose from

three designs: the Sunset Garden, CoolConnections and Garden of Gold. From de-signer Julie Hauser of Indigo Landscape

Design, the Sunset Garden ($125) is perfectfor sunny spots, featuring tough plants thatglow with color. Silver Powis CastleArtemesia is beautifully set off by brilliantorange blossoms of Orange Globe Mallow(Sphaeralcea munroana), orange sunrose(Helianthemum orange) and cheerful, flut-ed yellow blossoms of mouse-ear coreopsis(Coreopsis auriculata ‘Zamphir’), plus coolblue spires of six hills giant catmint (Nepe-ta x. faassenii ‘Six Hills Giant’). Underscor-ing this garden is a groundcover combina-tion that will bring on a show in the fallwith Himalayan border jewel (Persicariaaffinis) and plumbago (Ceratostigmaplumbaginoides).If pinwheels of orange and gold are

what you desire, check out the Garden ofGold collection ($80). Designed by CurtisManning of the Arcadia Design Group, thisgarden pops with color in summer, thencontinues the show in fall with seed headsof Echinacea, yarrow and blue grammagrass. Yellows and golds of coreopsis, Co-manche campfire primrose (Oenotheramacrocarpa, blanket flower (Gaillardia aris-tata) and California poppy (Artemesia stel-leriana) are gorgeously paired with thedeep purple Herrenhausen oregano, babyblue showy fleabane (Erigeron speciosus)and purple native verbena (Verbena bipin-

natifida).

Soothing tones of blues, silver and pur-ple are showcased in the Cool Connectionsgarden ($125), designed by Julie Palmer ofthe City of Boulder’s Parks and Recreation.Hummingbirds and butterflies will be fre-quent visitors to your yard with this combi-nation of Mojave sage (Salvia pachyphylla),Double Bubblemint Hyssop (Agastachecana), Firewitch Dianthus (Dianthus gra-tianopolitanus) and Sun daisy LavenderMist (Osteospermum spp.).

The Garden-In-A-Box includes plantsand easy-to-follow planting and care in-structions. To make your move to xeriscapecomplete, the CRC offers drip irrigationkits with individual plant emitters and wa-ter control clocks to turn irrigation on andoff automatically.

Gardens can be ordered online at Con-servationCenter.org or by calling 303-999-3820 ext. 217. Days for pickup vary by lo-cation; visit the website for details.

Carol O’Meara is a horticulture entomologist withthe Colorado State University Extension office atthe Boulder County Fairgrounds in Longmont.Contact her by calling 303-678-6238 or [email protected]. For more gardeningtips, check out her blog at gardeningafterfive.wordpress.com.

Carol O’MearaColorado State

University Extension

Article Resource Association

No matter where it is or how it’s decorated, a homeshould always provide a sense of warmth and welcomefor family and friends. Adding homey touchesthroughout your home can help guests feel comfort-able and relaxed. The design experts at Through theCountry Door, a lifestyle and home decor store, offeradvice on how to create a feeling of warmth and wel-come in your home throughout the year.

Guest BathroomsExpecting overnight guests? Unless your home has

a guest bedroom with an attached bath, your guestswill need a place to stow their toiletries during theirstay – and a shared bathroom can run out of storagespace quickly. A freestanding towel cabinet, such asthe Ridgeway cabinet, provides storage space for tow-els and other items, so you can keep vanities andcounter spaces free for guest use. Or, if your space isreally limited, the Ridgeway Space Saver adds eleganceto practical over-the-commode storage.

Dining Rooms and KitchensGuests often gather where the food is being served,

which means your kitchen and dining room are sure tosee plenty of action. If the kitchen is the heart of thehome, the dining room is not far behind it in terms ofcreating a welcoming environment.Both rooms can benefit from an infusion of seasonal

colors. Vibrant red, forest green and rich gold can helpcreate a warm feeling. Even if your day-to-day colorscheme is cooler, it’s easy to add these festive colors forspecial occasions.

Living Room

The living room is another area where guests willstay to chat, watch a movie together or play games.Adding homespun warmth to this room can be as easyas providing guests with comfy seating, cozy throws towrap up in and plush pillows for floor seating.

Don’t forget to give guests somewhere to park theirbeverages and play board games. A coffee table can bean essential entertaining piece, as well as a great wayto continue your decorating theme of comfort andclass. For example, the Leeds Coffee Table fromThrough the Country Door evokes the appearance of a19th-century baggage cart with its metal undercar-riage, handles and stationary wheels and a well-worn,“aged” finish that makes it look like a piece right outof past.

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Condo loans challengebuyer and associationBy Michele Lernerbankrate.com

Borrowers run into two problems whengetting a mortgage on a condominium:high costs and strict standards that make ithard to qualify for a loan.These issues beset condo buyers who

want to get mortgages, as well as peoplewho already own condos and want to refi-nance.“Condos are like the ca-

nary in the coal mine, aleading indicator of thehealth of the real estatemarket,” says John Mc-Clellan, a branch managerwith Supreme Lending inAustin, Texas. “Recently,lenders’ biggest lossescame from condos, so theyare viewed as risky.”Some lenders reject con-

do loans altogether.Condo loans face two obstacles. First

the borrower has to qualify, then the condoassociation has to qualify. The borrowerhas little or no control over the latter.“Condo financing is very situational be-

cause it depends not only on the borrower,but also on the project itself,” says MattOstrander, CEO of Parkside Lending LLCin San Francisco. “The guidelines havetightened because lenders want to see a fi-nancially healthy condo development.They want to see a higher concentration ofowner-occupants and they want to see thatdelinquency rates on condo fees are low.”Lenders follow condo-mortgage guide-

lines from the Federal Housing Adminis-tration, Fannie Mae and Freddie Mac.Among Fannie Mae’s requirements:• More than half of the condo units

must be owner-occupied.• No owner may own more than 10 per-

cent of the units.• No more than 15 percent of owners

can be delinquent on condo dues.• All amenities must be completed if the

development is more than 12 months old.• Buyers who make a down payment of

less than 25 percent will pay an additional0.75 percent of the loan amount at theclosing or a higher interest rate of about0.25 percent.The FHA has much friendlier down pay-

ment requirements, but strict guidelinesfor condo associations.“It’s a misconception on the part of the

public that you can’t buy a condo withouta big down payment,” says Ed Wilburn, amortgage banker with FEMBi Mortgage inMiami. “The rules are stricter now, but ifyou find a building that has already earnedan FHA approval, you can get in with a

down payment of 3.5 percent. FHA ap-proval depends on the financial health ofthe condo, so the condo association needsto prove that (it has) adequate insurance, abudget with reserves, no pending lawsuitsand no anticipated special assessments.”Wilburn says condo buyers should

check whether a building is approved forFHA loans. If not, they can ask the lender

to see if it meets FannieMae and Freddie Macguidelines. Buyers can askcondominium managers ifthey have recently com-pleted a homeowners’ as-sociation certification orquestionnaire, which pro-vides information on con-do fee delinquencies, in-surance and other factorsthat affect loan eligibility.“Even if the condo

meets the Fannie Maeguidelines, buyers may

find that they must make a down paymentof 20 percent or more because mortgageinsurance companies are less willing toprovide mortgage insurance on condoloans, since they are considered riskier,”Wilburn says. “In fact, most mortgage in-surance companies won’t insure a Floridacondo. It may be easier in other markets.”McClellan says a local lender will know

which local complexes have FHA or Fan-nie Mae approvals. “Have a list of placesyou like and check the status of their ap-proval” with the lender, he says.Condos not approved for FHA or Fannie

Mae financing are known as “nonwar-rantable” and offer few options for buyersor refinancers.“Buyers can either pay cash or they can

look for a local bank that is willing to lend,but they should be prepared with a heftydown payment of 50 percent or more, haveexcellent credit and still be prepared to paya higher interest rate,” McClellan says.“They should expect to pay as much as 7.5percent when rates are 4.5 percent for oth-er loans.”Homeowners interested in refinancing

first will need to face the potential problemof a lack of equity, since condo values havedropped in many areas.“Condo owners can ask their manage-

ment company if their complex is FHA- orFannie Mae-approved, and if not, they maywant to contact a local lender to see if theystart the process for obtaining an ap-proval,” McClellan says. “It’s in the bestinterest of all the owners to do what theycan to meet FHA guidelines, since that ap-proval can increase the value of all thehomes in the development.”

Condo loans facetwo obstacles. Firstthe borrower hasto qualify, then thecondo associationhas to qualify. Theborrower has littleor no control over

the latter.



Explore energy-efficientwindow coveringsThe ultimate goal of homeowners may be toinstall new energy-efficient windows on theirhomes. However, the reality is that new win-dows can be a costly endeavor, one that’s notnecessarily affordable for homeowners whocontinue to tighten their purse strings in astruggling economy.There are alternatives to installing new win-dows, including exploring options in ener-gy-saving window coverings and draperies thatcan help prevent the exchange of air from in-side and outside the home.Because they can be considerably less expen-sive than replacement windows, energy-savingwindow coverings are a viable option for thoselooking to eliminate drafts or prevent summer’sheat from entering the home via windows thataren’t up to snuff. There are several differentstyles from which to choose that make good al-ternatives for homeowners.Homeowners can convert traditional drapesinto energy-saving options by making them fitmore snugly. By securing the sides and the bot-toms of the drapery to the walls with dou-ble-sided tape or Velcro, the curtains will con-tain the air that flows from the drafty window.Options also abound for homeowners whoprefer blinds or drapes that are energy-effi-cient. Honeycomb blinds are a new alternativeto mini blinds or verticals. They are made fromaccordion pleated fabric that forms a honey-comb pattern when the blinds are lowered.The double-layer blinds insulate the windowsand can prevent heat or cool air loss. Some ac-cordion blinds are even rated for their efficien-cy.Black-out drapes can do more than darken aroom for those who want to sleep longer in themorning. These drapes can keep hot sunlightout during the summer months, which can leadto a cooler home and less money spent on airconditioning. The same drapes can block draftsin cooler months because of the thickness ofthis type of curtain.There are also energy-saving window filmsthat can be applied to insulate windows and/orreflect sunlight. An added barrier between theglass of the window and the interior of thehome may be all that’s needed to make tem-peratures more comfortable.

– Metro Services

Simple tricks to amp up a roomBy Mary Carol GarrityScripps Howard News Service

Upgrading the look of a room doesn’tmean you have to completely redecorate.In fact, it’s surprisingly easy when youuse these six simple tricks.

Rearrange Your FurnitureSometimes all your room needs is a lit-

tle reimagining. Start by rethinking thecurrent arrangement of your furniture.Some of my friends move their furniturearound all the time because it gives theroom a fresh look over and again, andthey don’t have to spend a penny. In con-trast, once I have my furniture where Ilike it, I almost never rearrange it. I havea theory that there is one best arrange-ment for every room, and once you’veachieved it, let it be.

Freshen the PaintA coat of fresh paint is the least expen-

sive and most dramatic way to redecoratea room. Pop open a can and go to town.Dare to experiment, because what’s theworst thing that can happen? You hate it.Easy enough. Just open a different can ofpaint and cover up the offending colorwith something new.When repainting, don’t forget your

ceilings. Gone are the days when our ceil-ings had to be painted white. Now, yourceiling is another spot where you can ex-press yourself with color. When we wererepainting Nell Hill’s Briarcliff this winter,I painted the front gallery our bright,clean Farm House White. Then, Iwarmed up the ceiling a bit by painting itour soft taupe color, Winter Wheat.

Amp Up Your ArtI often see people pick out beautiful

furnishings for a room, then style the

space impeccably, yet still feel like some-thing’s missing. Almost always, all theirspace needs is great art. Take a criticallook at the wall space in your room. Isyour existing art dwarfed by big, openwalls? Are pieces faded and outdated? Doyou have blank walls with nothing onthem? If so, my advice is to start here,with art.Instead of spending your decorating

dollars on accessories, start investing inart. Get a mix of large and small pieces,an array of mediums and subject matters.A note to parents of young children: If

you are at the stage where your little onesare exploring their surroundings andtabletop accessories just aren’t practical,it’s your season to invest in art. Brightenup your walls, and no one will noticethose empty side tables.

Update Your LampsTired-out lamps completely date the

look of a room. If your lamps are from anera gone by, let them go and get somenew. Or, update them with new lamp-shades. Sometimes just changing out theshade can work magic.One thing we notice when we work

with customers at Nell Hill’s is that peo-ple often don’t get lamps that are beefyenough for their room. Too often, we seeskinny buffet lamps used on end tables.It’s not that these lamps aren’t lovely, it’sjust that they don’t match the scale of theother pieces in the room. Instead, pickout a hefty lamp that has a sizable base soit can hold its own in a room filled withlarge pieces, like sofas and bookcases.

Invest in a ChestIf your room currently feels busy and

cluttered, you may need to bring in onelarger piece of furniture, like a tall book-

case or hutch, to ground the space. You’llbe amazed by how adding a big chestagainst a wall gives the room oomph.Believe it or not, the same principle ap-

plies to smaller rooms. Sometimes wethink we need to furnish smaller spaceswith small furnishings. The result can bea visually cluttered room. Instead, pickfewer but larger-scaled pieces for thespace. That’s what I’ve done in my smallguest bedroom. At first, I struggled withthe layout, filling it full of little pieces Ithought were essentials. It didn’t work.So I cleared the room and brought in alarge antique armoire, a double bed and adesk that doubled as a nightstand. Suc-cess at last.

Rethink Area RugsArea rugs do a lot to lend character to a

room. And, because they can be expen-sive, it’s important to make sure you pickthe right ones so you can keep them for-ever. One detail to pay attention to is thesize of the rug. A common mistake peoplemake is to pick a rug that is too small forthe space, and it ends up looking like apostage stamp. The challenge is, big rugscan cost big bucks. So we’ve found a wayto get around this at Nell Hill’s. We’re bigfans of layering rugs. We place a larger,less expensive neutral rug on the bottom,like a sisal, the top it with a smaller, high-er-quality rug, turned at an angle so it ap-pears to be larger than it is. In my livingroom, I have a huge sisal rug that spansthe room. Then, to define conversationareas, I’ve layered nicer, smaller Kalatyrugs on top.If you’re in the market for a new rug,

consider one that features a fun geometricpattern. These peppy rugs are all the rageright now in the design world.

You can upgradeyour room with a fewsimple changes.(SHNS/CourtesyNell Hill’s)


Real Estate Transactions are supplied by ProspectsUnlimited Inc., www.prospectsunlimited.com,303-979-9536.

• Borrower: Marty Rowe, Lender: WellsFargo Bank NA, Amount: $168,622, Prop-erty: 101 Balcom St, Erie, Filed: 04/08/11• Borrower: Samuel & Carol Hepp,

Lender: Firstbank, Amount: $143,917,

Property: 226 Florence Ave, Firestone,Filed: 04/07/11• Borrower: Thomas & Kathryn Mallot,

Lender: JPMorgan Chase Bank National As-sociation, Amount: $394,191, Property:6674 Saddleback Ave, Firestone, Filed:04/07/11• Borrower: Juan Reyes Lopez, Lender:

Nationstar Mortgage LLC, Amount:$167,634, Property: 5753 Canyon Cir,Frederick, Filed: 04/08/11• Borrower: Laurie Seville, Lender: PNC

Bank National Association, Amount:$207,059, Property: 5440 Bobcat Ct, Fred-erick, Filed: 04/11/11• Borrower: Bryan Dirkes, Lender: US

Bank National Association, Amount:$282,816, Property: 1418 Red MountainDr, Longmont, Filed: 04/07/11

• Borrower: Larry Rand, Lender: BACHome Loans Servicing LP, Amount:$119,161, Property: 1632 Feltham Pl,Longmont, Filed: 04/11/11

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

Hover Manor Senior ApartmentResidence

1401 Elmhurst Dr. • 303-772-9292$885-$890 $835-$840 1 1 Yes No Yes Yes

Secure building, quiet neighborhood, meal program,transportation, utilities paid, appliances & cable

TV included,62 yrs & older; vouchers accepted.

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

$749-$899 $250 1, 2 1,1¾ Yes Yes Yes

In eachapartment

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

www.utecreekapts.com

Starting at$825 $125 1, 2 1, 2 Yes Yes Yes

Full SIzein each

apartmentYes

Move-In Specials, senior and other discounts.Fireplace,

pool & spa, 24-hour fitness, garages. Close toshopping.

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

$729-$1200$100$200$300

1,2,& 3 1,2Yes

Short TermAvailable

Yes Yes Yes YesGas fireplaces, 24 hr. fitness center, heated pool & hottub, A/C, business center, gourmet kitchens, detached

garages.*On selected apartments.

Cloverbasin Village630 Peck Dr. • 888-837-4912

$690-$1100 $1491,2,33-bdrm.

townhomes2 Yes Yes

Yes65 lbs limit

NoYes

& rentalavailable

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

Elliott Apartments418 Emery St. Longmont, CO 80501 • 303-772-6452

$610-$990 Yes 1, 2, 3 1, 2 Yes Yes PetsNeg. Yes

In historic Longmont, large trees, quiet neighborhoodon-site parking & storage. Close to RTD. Heat

included.

Fox Ridge Apartments3800 Pike Rd., Longmont, CO 80503 • 303-774-9944

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

Short TermAvailable

Yes Yes Yes YesIsland kitchens, garden tubs, gas fireplaces,double balconies, two tone paint, gated com-

munity. Close to schools & newest community inLongmont.

Tanglewood CondominiumsSenior Community

100 21st Ave., Longmont, CO 80501 • 303-774-0300$1240-1625 $1240-1625 1, 2 1, 2 Yes Some Yes

$50+ mo.

Full sizein eachcondo

W/Dprovided ineach Condo

All utilities & cable paid, sec. bldg., elevator, W/Din every unit, transportation, social events. HUGE

amenities package, quiet 55+ community. Call forincentives! Parking garage & storage units

Com

plex

Nam

e

Add

ress

Pho

ne

Long

mon

t,CO

13-146280


2 BDRM APTSStarting at $675/monthCall PMP, 303-776-RENT

2 BDRM apt for rent $200w/ full time employment.Apply Cinnamon Park ALF

1335 Cinnamon St

2 Bdrm, 1 ba, lge, completeremodel- W/D, A/C, deck,N/P/S. 2041 Meadow Dr.

$840 303-443-4308

1 BDRM, lg, sunny, quietbldg. $600/mo, heat inc. NoPets. Don 303-881-1960

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

•1 & 2 BDRM ✭ $550-$695FREE 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/4-wk • 303-776-2185• ALSO RV SITES AVAIL!

Apartments/Furnished 4010

Responsible older maleneeds small farmhouse/aptto rent w/space for 2 mini.

donkeys. 303-746-7028

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]

Check out the pet columns inclassifieds for that special

companion you’re looking for.

VALUE PLACEFIRESTONE

New ExtendedStay Hotel

● $699.991st MONTHSPECIAL!

✓ Perfect for visitingfriends & family!

I-25 & Hwy 119,Longmont exit 240.

303-485-0040

Bring ad to qualify.*Expires 4/30/2011*New Guests Only*

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

EASTGLEN APTS630 Lashley, Longmont

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

laundry.✭Wtr, trash, sewer pd

APTS YOUR CHOICE!www.alertrealty.net

● 917 SUNSET2nd floor, 2 Bdrm, 1 bath,includes heat, wtr & trash.New carpet. $675 No pets.RMG Realty, 303-772-4466


INDOOR GARAGE &Commercial Storage

20x40x16 w/ 14x14 doorsstart at $300.

20x50x16 w/ 30 amp elect,man door & pwr dooropener start at $450.Garage Storage LLC,

4070 Camelot Cir, locatedI25 Business Park.

I-25 & Hwy-66. 970-535- 6074www.Longmont-storage.com

CLEAN, secure, 10x20´ drystorage close to HWY 287$100. Forrest (303)444-9555

Garages/StorageSpaces 4070

LARGE 2 bdrm, fin bsmt,2 car gar, no pets, no smok-ers, $1150/mo + utils.App fee $25. 303-776-8303

Duplex/Condo2-3 Bedroom• 1419 Red Mountain• 314 So Ridge Place

Call PMP, 303-776-RENT

2 BDRM W/D, DW, A/C,& garage. NE LongmontNo pets. $675/mo & deposit720-938-1559; 303-666-5546

2 BDRM, 1 BA, LARGE livrm & kitch. W/D hkup, attgar, NW, no pets, ideal forsr couple, $725 (303)678-7314

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

Duplexes 4060

WAREHOUSE/SHOPI-25 North, Exit 245,50’ x 60’, 16’ ceiling,

2 OH doors, 3-phase elect.Rent nego. 303-546-6881

FOR LEASE on HWY 66,10,000 sq ft w/ building,26´ x 60´. $900 970-402-3381

Commercial/Industrial 4040

LE DEAUVILLEAPARTMENTS

1, 2 AND 3BEDROOMSGreat Location

Large UnitsPark Like SettingAmple Parking

A/C & Pool

303.772.3737

14-1

6435

2


1 YEAR LEASE. 2 bdrm, 1car att heated gar, fncd yd,hosp area. $900 + dep.Avail 5/1 303-776-9374. msg

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

$250/month, 110-5000 sq. ft.2432 Main, Four SeasonsRealty. 303-875-1345.

2400 SF. professional officesuites, 8 offices, waitingroom, reception area, stor-age, all ground floor, plentyof parking. (303)956-1141

Office Space 4100

Dacono- 3 bdrm, 2 full ba,new crpt, 950SF, 1/3 ac,fncd, W/D. $775 303-909-2404

Brand NewHomes to RentStarting at$849/Month!3 to 4 bedroomsand 2 baths

● Fitness room● Club House● Playground● Swimming pool● Pet Friendly● Some homes withGarages

Expires 4/30/2011

Sun Homes AtEagle Crest888-246-5232

www.4eaglecrest.com

723 Kimbark St 2 bdrm, 1ba, fenced yard, pets nego.$1000/mo Bill 303-776-0684

5 BDRM, 3 ba, 2 car, 4290sf, 1505 Red Mtn Dr, fncdbkyd. $1695, 720-891-6936

3 Bedroom Homes• 10436 Durango Pl• 639 IndependenceCall PMP,

303-776-RENT

3 BDRM, 2 BA in Berthoud2 car gar, fncd bkyd, A/C,avail 5/1, $1300. 303-589-0211

2 BDRM, 1 bath, fncd yard,gar, all amenities, nearSunset golf course. $975.Pet nego. 303-828-4936.

● 23 TELLURIDE PL5 bdrm, 2 ba, frpl, 2 car,large fncd yd. $1500. Petsnego. Avail June 1st.

Pennant Inv. (303)447-8988

Houses 4080

Kelli CouchMobile 970.310.8804Office 970.223.0700

[email protected]

www.428newman.thegroupinc.com

428 Newman Circle, Longmont, $162,500This charming ranch style homefeatures a formal living/dining area andlarge family room off of kitchen. Thelaundry room is conveniently locatedoff of kitchen. Newer paint, carpet,countertops, light fixtures & vinyl in2006. The kitchen has a newer range/oven, sink, hood & disposal. Maturelandscaping with fenced yard & sprin-kler system. Covered patio & screened-in for your enjoyment. 2 car attachedheated garage. MLS# 624598

16-167772

Longmont 5090

APARTMENTS

• FREE Washer/Dryer& Carport

• Wood-burning fireplace• Large balconies/patios• Approved pets accepted• MTM leases available• Within walkingdistance of shopping,restaurants & RTD

• On line leasing available• One bdr, 1 bath starting at $749

2400 17th Avenue, Longmont, Colorado 80503

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

14-1

6435

8


255 WEAVER PARKCLASS “A” second

floor office space forlease or sale. Common

area, conferenceroom, elevator,mountain views.1 yr Free Rent!

Don Rulle, CCIM303-772-2222

16-1

6721

9

Longmont 5090


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

OFFICE SPACE For RentHolistic Wellness Center.

(720)280-9047

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

Office Space 4100

Longmont 5090

773 SQ FT- busy shoppingcenter, 1116 Francis St,

$825. Alert RE (303)776-5156

Retail Space 4135

UNATTACHED ROOMfor rent, $350/mo. + dep.

Call (303)651-6291

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

(303)931-7108

RoomsFor Rent 4130

MALE looking for same toshare house. Large

room. Don 720-203-6969

$400 ROOM for Rentincludes utils, in Firestonearea, N/P/S. (303)772-9040

1 BDRM $450/mo util inc.Share quiet house w/3, newcarpet W/D 303-719-2197.

RoommatesWanted 4120


Brick Ranch Home5 Bedrooms and 3 Baths.

Great NW location$384,000

303-589-4509

1193 Twin Peaks CircleLongmont

167540

Southmoor Park, 2500+ Sq.ft., 3 bed, 2 ba., ranch,recently updated,

MLS#650283, 1502 MayfieldLane, $209,900 303-652-8183.

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

✭ ✭Garage Town✭ ✭1200 sq. ft of space to useas light business, storage ofRVs, boats, cars, detailvehicles, 2 over head drs &people door, HOT & COLDwtr, elect, phone, int, etc.Call for details, $99,500

AUCTION! 4/30/11 @ 10am46ac Ranch w/water rights,Residences, 2 Parcels

+ machinery!3192 Woodland Rd.LongmontProperty

Auction.com WW-Auctions(970)221-4300 WWsells.com

A pictureis worth a

thousand wordsTry a color

classified picturead today!

Call for details.303-776-7440

Longmont 5090

Dacono- 3 bdrm, 2 full ba,new kitchen, new carpet,950SF, 1/3 ac, fncd yard,W/D. $85K (303)909-2404

Frederick 5079Firestone/Dacono

Real Estate

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

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very, veryfast!

Call303-776-7440

Classifieds

Brand NewHome!!$69,900

Beautiful 3 bed 2 bathlot rent special!

● Swimming pool● Clubhouse● Playground● New fitness room

Financing availablePet Friendly

Sun Homes atEagle Crest1-888-649-5616

4eaglecrest.com

* Expires 4/30/11

2 HOMES in Adult Park,under $15K, 303-682-9141.Roseaffordableliving.com

2 bdrm, new carpet/ gasfurnace/hot water heater55+ park $12K 720-340-6112

Mobile/ 5130ManufacturedHomes/Spaces

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

Seasons RE, (720)494-2133.

2 ACRE Building Site inRainbow Lake Estates,Berthoud. HUGE price

reduction! $89,000Steve Conder, 303-514-3706

1/2 AC bldg sites. Views,RV friendly. $65K. Finanavail. BGSW 303-435-4264

Lots & Tracts 5100

Four simple rulesfor perfect exterior painting

Metro Services

If you want professional-looking resultswhen painting exterior wood, approach theproject as if you were a professional paint-ing contractor. That means following foursimple rules that come second nature toexperienced painters, says Debbie Zimmer,spokesperson for the Paint Quality Insti-tute.For the uninitiated, here are the four

rules that great painters swear by.

Prepare the Surface ProperlyAccording to Zimmer, this is where a lot

of inexperienced painters go wrong.“It’s important to fight the urge to start

painting as soon as possible,” Zimmer says.“Even the best paints can fail if they’re ap-plied to a poorly prepared surface.”Before beginning to paint, clean the sur-

face thoroughly. This can be done withrented power-washing equipment or byscrubbing with a long-handled brush usingplain soap and water.Afterward, remove any remaining loose,

flaking, or peeling paint by scraping orwire-brushing. Next, sand down roughedges on the old paint, as well as areaswhere the paint is glossy.Finally, brush off the dust and particles

left from the sanding and scraping. Thensand and prime any areas where the woodis bare.

Buy Top Quality Paint“To get the best-looking and longest-

lasting paint job, it’s important to use thehighest grade of paint,” advises Zimmer.“On wood and many other exterior sur-faces, top quality 100 percent acrylic latexpaint is the best choice.”Because these paints contain more solids

than run-of-the-mill paints, they form a

thicker, more durable paint film. What’smore, they hide better, so they’ll often con-ceal the old paint color in fewer coats, sav-ing a lot of extra work ... and saving mon-ey, too.“Top quality 100 percent acrylic latex

paints also have better adhesion, so theyget a better grip on a properly preparedsurface,” Zimmer says. “And they remainflexible, so they can expand and contractwith changing temperatures. These at-tributes help top quality paints resist peel-ing and flaking, which adds to the life ex-pectancy of the paint job.”Top quality 100 percent acrylic latex

paints typically last 10 years or more, com-pared to three or four years for lower quali-ty coatings, according to Zimmer. So, theyare a much better value in terms of cost peryear of service – no small consideration inthese trying economic times.

Use Quality Brushes and EquipmentFor the best results when applying top

quality paint, use quality brushes and ac-cessories, says Zimmer. “Better qualityequipment makes the work easier andhelps apply the paint in a thicker, moreuniform coat for a better-looking paintjob.”She advises homeowners to choose

brushes that are well-balanced and springy,with multiple lengths of split bristles

packed tightly in a – to 1-inch thickness ona standard 4-inch brush.When working with latex paints, it’s im-

portant to use brushes with synthetic bris-tles – ideally, polyester. According to Zim-mer, polyester bristles will hold their shapeand maintain the proper stiffness regard-less of the amount of water they encounter.

Paint In the Right Weather ConditionsAfter you have your quality paint and

tools in hand, choose the right type of dayto apply the paint. Doing so will enable thepaint to form a tough, durable, protectivefilm.Zimmer says it’s best to do exterior

painting in mild weather, ideally whentemperatures are above 50 degrees F, andwhen the wind isn’t strong.On very hot days, try to avoid painting

in direct sunshine, since surfaces sitting indirect sun can be 10 to 20 degrees hotterthan the air temperature. One way to copewith this and still keep the job moving is topaint on the shady side of the house.The four rules for perfect painting in-

volve a lot of common sense and take a lit-tle self-discipline. But you’ll be rewardedwith a beautiful, professional-looking paintjob that will last for years.

For more advice on paints and painting, visit theWeb site of the Paint Quality Institute atwww.paintquality.com.


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

Longmont• Tim & Sara Betsch from Bank

New York Mellon Trust, 1416Whitehall Dr Unit 14h, Long-mont, $152,000, condo• Rodney & Judith Vincent

from William Brennan, 2201Frontier St, Longmont, $235,500,home• Prudential Inc from Christian

Buckley, 1442 Spencer St, Long-mont, $200,000, home• Jean Meneu from Brian Chil-

dress, 4215 San Marco Dr, Long-mont, $340,000, home• Jason Held from Benjamin

Craft, 640 Gooseberry Dr Unit507, Longmont, $171,000, condo• Clint Richards from Andrew

Dalby, 313 Sumner St, Longmont,$207,000, home• Patrick & Kelly Dowlin from

Deutsche Bank National Trust C,1946 Chadwyck Ct, Longmont,$425,000, home• James & Natalie Knapp from

Stephen Dratch, 5680 BoulderHills Dr, Longmont, $400,000,home• Eric Wagner from Fannie

Mae, 1718 Lashley St, Longmont,$147,000, home• Rachel Benson from Federal

Home Loan Mortgage Cor, 1694Judson Dr, Longmont, $198,000,home• Peter Dobelis from Thorsten

Hauber, 930 Button Rock Dr Unit102, Longmont, $155,000, condo• Ana Zavala from Hsbc Mort-

gage Services Inc, 706 CameronLn, Longmont, $149,900, home• Brian Drake from Ruth Little-

field, 903 Snowberry St, Long-mont, $227,000, home• Sharon Gwin from Leanne

Manchester, 1012 Sonoma CirUnit F, Longmont, $188,500, con-do• Matthew & Guillermina

Massey from Shelly Martinez,1652 Amherst Dr, Longmont,

$189,000, home• George Pittman from Colin

Moore, 1903 Sundance Dr, Long-mont, $470,000, home• Craig & Barbara Maccam-

bridge from Daniel Najera, 1057Townley Cir, Longmont,$115,000, home• Douglas Drumwright from

Brooke Ollech, 2030 AmethystDr, Longmont, $577,000, home• John Siegel from Stephen Ray,

1758 Sumac St, Longmont,$198,500, home• Daniel Harthan from Aaron

Rodriguez, 2184 Hackberry Cir,Longmont, $172,000, home• B D Borgmann from Shadow

Creek Homes Llc, 1369 Arm-strong Dr, Longmont, $328,000,home• Nelson & Mireya Abrego

from Martha Sheperek, 617 ElliottSt, Longmont, $169,900, home• David & Linda Benner from

Mary Smith, 1433 Sherri Mar St,Longmont, $218,000, home• John & Juliene Vaughan from

Karen Ward, 1916 Ute Creek Dr,Longmont, $240,000, home• Jeffrey & Diana Wilson from

Wells Fargo Bank, 2030 SunlightDr, Longmont, $174,000, home• Berg LLC from 1400 Nelson

LLC, 1400 Nelson Rd, Longmont,$500,000, home• Ashok & Aparna Pukale from

Talal Aljader, 4622 Bella Vista Dr,Longmont, $335,000, home• Jennifer Condon from Ander-

son Family Trust, 1848 StratfordLn, Longmont, $183,300, home• Robert & Tana Ewers from

James Ball, 1002 Lee Way, Long-mont, $175,000, home• Matthew Awsumb from Ann

Whitehill, 7360 Mount MeekerRd, Longmont, $319,500, home• Shirley Dodge from Sean Bell,

2980 Bellmeade Way, Longmont,$345,000, home• Sumana & Prachanda

Shrestha from Boulder CreekKingsbridge LLC, 1679 VeniceLn, Longmont, $201,900, home• Chris & Linda Cain from

Donald H Hernor Family Trust,1805 County Road 26, Long-mont, $300,000, home

Berthoud• Isaiah & Rainia Anderson

from Aspen Leaf ConstructionLLC, 1410 Mount Meeker Ave,Berthoud, $179,000, home• Joanna Kelly from Loretta

Ann Holland Trust, 1214 Elm Dr,Berthoud, $150,000, home• Karen Heidelmeyer from

David Shumpert, 6120 W CountyRoad 4, Berthoud, $315,000,home• Gregory & Glenna Alexander

from James White, 115 E IndianaAve, Berthoud, $400,000, home• Brian & Isabelle Laak from

Robert Bertolini, 706 7th St,Berthoud, $200,000, home• Louis & Carol Wasserman

from Norma Boda, 836 WelchAve, Berthoud, $139,500, home• Ruth Andersen from FRB

Properties LLC, 205 Se 2nd St,Berthoud, $54,000, home• Resident & Courtney from

Davin Helden, 1223 Aspen Dr,Berthoud, $184,000, home• Ryan Northington from

Charles Finch, 920 E CountyRoad 8, Berthoud, $300,000,home

Dacono• Kelsey Stockton from Rich-

mond American Homes Colo Inc,3141 Meadowbrook Pl, Dacono,$236,900, home• Addie Combs from Mark

Schwarz, 108 Glen Heather St,Dacono, $100,000, home• Bonnie Reed from James Von-

derwahl, 1147 MacLean St, Da-cono, $35,000, home

Erie• Benjamin & Jillian Craft from

Thomas Humble, 455 Hunter Ct,Erie, $235,000, home• Jasmin & Sadeta Mahic from

Xu Wang, 412 Woodson Dr, Erie,$229,000, home• Boon Yeap from Gisele Luci,

1939 Windemere Ln, Erie,$222,000, home

• Sally Lopez from Taylor Mor-rison Colo Inc, 1134 Zodo Ave,Erie, $356,000, home• Kevin Blankenburg from Tay-

lor Morrison Colo Inc, 501 Pow-ers St, Erie, $344,000, home• Robert Kalinowski from Tay-

lor Morrison Colo Inc, 1138 Las-nik St, Erie, $355,000, home• Terry & Karen Miller from

Taylor Morrison Colo Inc, 1149Koss St, Erie, $313,500, home• Richard & Barbara Grant

from Taylor Morrison Colo Inc,1133 Zodo Ave, Erie, $310,700,home• Gena & Matthew Carpenter

from Taylor Morrison HomeFunding, 1137 Koss St, Erie,$272,000, home• Squirrel LLC from Highview

Devl LLC, 5628 Highview Dr,Erie, $700,000, home• Thomas Humble from Eric

Johanson, 1870 Alpine Dr, Erie,$415,000, home

Firestone• Brian Madsen from Michael

Packo, 5862 Mt Shadows Blvd,Firestone, $278,000, home• Brian & Crystal Aragon from

Richmond American Homes ColoInc, 4737 Sandy Ridge Ave, Fire-stone, $259,800, home• Actarus LLC from Rali 2006,

6140 Ulysses Ave, Firestone,$145,000, home• Wendell & Judy Ito from JJ

Construction Northern ColoLLC, 5392 Remington Ave, Fire-stone, $216,500, home

Fort Lupton• Affordable Inc from Deutsche

Bank Natl Trust Co, 7303Woodruff St, Fort Lupton,$44,100, home• Carlos Vidal from Fed Natl

Mtg Association, 1638 ConestogaTrl, Fort Lupton, $147,000, home• Amando & Sadie Escarcega

from Fed Natl Mtg Association,609 Reynolds St, Fort Lupton,$51,000, home• Susan Lyons from Zachary

Curtis, 908 Trapper Dr, Fort Lup-

ton, $79,900, home• Sure LLC from Fannie Mae,

1610 Conestoga Trl, Fort Lupton,$107,600, home

Frederick• Todd & Eriko Musselman

from Hunter Homes Corp, 8803Welsh Ln, Frederick, $320,000,home• James Mint from Wells Fargo

Bank, 5132 Mt Buchanan Ave,Frederick, $222,000, home• Francis & Penny Bean from

Jason Dunnahoe, 7489 HickoryCir, Frederick, $194,000, home• Marie Gonzales from Nancy

Jones, 5326 Bobcat St, Frederick,$190,000, home• Bret Burke from Melody

Homes Inc, 8156 Morning Har-vest Dr, Frederick, $258,000,home• Fresco LLC from HSH Prop-

erties LLC, 7100 Miller Pl BldgUnit 9-C, Fredreick, $75,000,condo

Niwot• Paul & Marjorie Lipton from

James Knapp, 8016 Dry CreekCir, Niwot, $299,000, home• Alison Kuusisto from Mered-

ith Russell, 9084 Niwot Rd, Ni-wot, $415,000, home

Foreclosures – notice of electionand demand• Borrower: Sopheap & Luon

Somkhit, Lender: Chase Home Fi-nance LLC, Amount: $90,934,Property: 1101 Sunrise Cir, Da-cono, Filed: 04/11/11• Borrower: Jorge & Lilian Mis-

ola, Lender: Citimortgage Inc,Amount: $114,101, Property: 3147th St, Dacono, Filed: 04/11/11• Borrower: Henry & Melinda

Harris, Lender: The Bank Of NewYork Mellon, Amount: $323,091,Property: 1212 C W Bixler Blvd,Erie, Filed: 04/13/11• Borrower: Alfred & Susan

Gonzales, Lender: Wells Fargo Fi-nancial Colorado Inc, Amount:$292549,390, Property: 1982Clark Ct, Erie, Filed: 04/13/11

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