home and real estate weekly

LONGMONT TIMES-CALL | ARTS & ENTERTAINMENT MAGAZINE | SATURDAY, SEPTEMBER 17, 2011

HOME & RealEstateWeekly

September 17, 2011

Longmont Times-Call www.HomeandRealEstateWeekly.com

Yellow jackets meanaphids and scale

FallPrep

Mortgage default willhurt credit score

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2 Times-Call / Home & Real Estate Weekly September 17, 2011

News and Press ReleasesHome & Real Estate Weekly welcomes news on hirings, advance-ments, awards, classes and other information of interest to the realestate and home community. Please submit information to the editorby email, fax 303-774-8088 or mail to 350 Terry St., Longmont, CO80501. The deadline is Monday at 5 p.m. the week of publication.

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

On the CoverPrepare your home for thefall season and coolerweather. (ShutterStock)

Summer Stair

AdvertisingThe display advertising deadline is Tuesday at 3 p.m., and theclassified line advertising deadline is Thursday at 3 p.m. – both theweek of publication. For advertising information, call 720-494-5445.

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

Jade Cody

Time to prepare for fallFall is just around the corner. Use our smart tips to prepare your

house for the end of one season and the beginning of the next.• Create a gallery wall with four to eight simple black frames,

where you can switch out the artwork depending on the season.Try using orange and red leaves in the fall.• With long warm days, late summer is the right time to spruce

up the outside of your home. By updating external paint colors,fresh landscaping along pathways and porch accessories, you canincrease the value and appeal of your home.• Walk through the house inspecting all doors, windows, hinges

and locks. Replace any damaged hardware and don’t hesitate to calla pro to help with updating locks.• Clean your shiny surfaces. To clean chrome, glass or stainless-

steel appliances, fill a spray bottle with a mixture of 50 percentrubbing alcohol and 50 percent water.• Change air filters. It’s a simple but important step to take –

every month, in fact; replace all air filters in your home for cleanerair and better circulation. Make a note on your calendar to remindyourself.• When vacuuming the car, use the duster-brush attachment to

get in all the nooks and crannies of the dashboard, center consoleand door panels. If you don’t have an attachment, use a paintbrushto dislodge the dust.• Instead of pitching a vinyl shower curtain that looks past its

peak, give it a thorough cleaning instead. Throw the shower curtainin the washing machine with a few towels, a cup of white vinegarand your detergent, then air dry.• Take a good look at your garage door to determine whether you

need to make any repairs before cool weather returns. Inspect thepaint and exterior panels plus the automatic door wheels if youhave them.• When it comes to dusting, let gravity help: Do the plants first,

followed by tables and finish with the floor. Invest in an ostrich-down duster and dust in straight lines so dust falls directly onto thefloor. Always vacuum last.• To revive droopy and dusty drapes, take them down, remove

hooks and run them through an air-fluff cycle in the dryer alongwith a damp towel (to attract the dust) for 15 minutes. Re-hangimmediately. Wipe blinds with a damp cloth.

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September 17, 2011 Times-Call / Home & Real Estate Weekly 3

SEPTEMBER 17&18, 24&25

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Mortgage default hurts thosewith a high credit report moreQ: I was recently divorced and bought a

home. However, I have a rental property in anarea that is quite depressed and where crimehas increased. Homes in that area are nowselling for about $15,000 and there are fewrenters moving in.I need to sell the rental

property, as it has nowdrained me financially. Imissed one payment. Idon’t think my bank is like-ly to accept a short sale.My bank said that theywould only consider a deedin lieu of foreclosure if I putthe home up for sale and itdoesn’t sell in threemonths.I have a tenant in the

property, but he only payssporadically, and I don’t have the funds toevict him. My credit score is 790 and I live inGeorgia.Do you know how much my score would

drop if I did a foreclosure or short sale? I amliving hand-to-mouth, and at this point I amthinking to go the route of the foreclosure. Ican’t live like this anymore.

A: Earlier this year, a blog post on FICO.comgave some insight into how certain mortgage-re-lated problems would impact a person’s FICOcredit score. The blog post had a chart thatshowed the decline in a person’s credit score dueto four events: a late mortgage payment, a shortsale, a foreclosure and bankruptcy.It was interesting to note that a person with a

higher credit score gets hit harder with one ofthese events than a person with a lower credit

score. In your case, their chart indicated that aperson with a 780 credit score would lose about100 points if they were 30 days late on a mort-gage payment and would lose about 130 points ifthere were more than 90 days late on a mortgagepayment. If a borrower undertook a short sale,

deed in lieu of foreclosure or asettlement with a bank wherethere was no deficiency still ow-ing the bank, the credit scorehit would be about 125 points.Finally, a short sale with a defi-ciency reported or a foreclosurewould negatively affect a per-son’s credit score by about 160points.The worst thing for a credit

score for a person in your situa-tion would be bankruptcy. Itwould cause a drop of about

230 points.While these numbers are a guide to what might

happen to a person in your situation, you need tokeep in mind that your credit issues can have acumulative effect on your credit score. If you arelate on your mortgage payments and then under-take a short sale, your credit score might fall 170points.You can see the blog post and the charts for

various starting credit scores at http://bankinganalyticsblog.fico.com/2011/03/research-looks-at-how-mortgage-delinquencies-affect-scores.html.You can also see a chart there on the number ofyears it may take for your credit score to return toits current level.However, at this point, credit shouldn’t be your

primary concern. . What you need to do is con-sider stopping all payments, and shoring up yourcash reserve. You’ll need it.

Ilyce Glink & Sam TamkinTribune Media Services

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Mortgages can pay for home renovationBy Polyana Da Costabankrate.com

Two little-known home renovationmortgage programs offer solutions forbuyers and homeowners who want torenovate.Fannie Mae and the Federal Housing

Administration have home renovationmortgage programs that allow buyers toborrow based on what the house is ex-pected to be worth after the home rehabis completed. Homeowners can also useboth programs to refinance their exist-ing mortgage, plus the renovation costs,into one loan.FHA’s 203(k) program and Fannie’s

HomeStyle Renovation Mortgage havebeen around for years.“A couple years ago there wasn’t as

much demand for these loans,” says

Leesa Sandoval, a loan officer withPrimeLending in Dallas who specializesin renovation mortgages. “But now theyare great to get some of this (housing)inventory sold and get these foreclo-sures out of the market.”

The FHA insured 22,491 home reno-vation mortgages in the 2010 fiscal year– more than six times the number it in-sured in 2007, according to the agency’slatest report on 203(k) loans.

Dustan Shepherd, a loan officer and203(k) specialist with BNC NationalBank in Overland Park, Kan., says whiledemand for the rehab loans is up, manyborrowers are not aware of the programsor think they are too complicated.

Unlike credit lines, these renovationloans require borrowers to show themoney was spent on the house. In the

standard FHA 203(k) program, the bor-rower hires a consultant to assess theconstruction plan and to perform an in-spection before a “draw” – when a por-tion of the money is disbursed to thecontractor. Borrowers have up to sixmonths and five draws to finish a pro-ject. The HomeStyle program does notrequire a consultant to monitor thework, only an initial and final inspec-tion.

While rehab loans involve more workthan traditional mortgages, they canhelp those who want to buy discountedhomes that need repair.

Shepherd says he recently helped acouple that bought a foreclosed house inKansas City, Mo., for $26,000 and bor-rowed $136,000 to renovate the proper-ty. An appraisal estimated the home

would be worth about $135,000 afterthe work is completed. The couple wasable to take out an FHA 203(k) mort-gage totaling $144,000, which coveredthe price of the house, renovations, andloan costs, minus a down payment. “It’sa great way to buy low and renovate tothe buyer’s specific style and taste,” saysSandoval.But how do you know which loan is

better? It depends on the situation.Those who don’t have great credit

should probably opt for an FHA 203(k).Most HomeStyle lenders require a creditscore above 680. To get the best rate ona HomeStyle mortgage, borrowers needto have a minimum 740 credit score,Sandoval says.For borrowers with credit scores

Continued on 7

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Yellow jackets meanaphids and scaleThe big buzz in the garden right now is centered around the burr

oak growing in our front yard. The deeply lobed leaves are swarm-ing with activity; so many insects are swooping and diving, it looksmore like a space station out of Star Wars than a tree.A closer look shows the busy bugs to be yellow jackets, gleaning

the tree for honeydew. The sugary waste excreted by sap-suckingbugs is what the wasps are after, which shows you just how far thesugar addicted will go to satisfy a sweet tooth. The wasps aren’t aproblem for the tree, but they can get aggressive in their search forsugar.What can be a problem for the tree are the

insects making the honeydew, bugs such asaphids or scale. Aphids – soft bodied, pear-shaped insects that suck sap – continue to bea problem for plants this year. Their late-sea-son boom in population doesn’t harm thetree, but it can set the plant up for the prob-lems next spring as eggs are laid near budsand in bark crevasses.Scale insects are also sap feeders, but be-

cause they’re small and immobile for most oftheir life, most people never notice themquietly pulling the life from the tree.Cousins to aphids, they sport an armoredshell that protects them from predators andpeople. Aspen, ash, lilac, cotoneaster, willow and poplars are fa-vorite targets of Oystershell scale, while pines and spruce fall victimto pine needle or pine tortoise scales. Most trees have scale that canattack them.For those who are continually trying to wrest control of the gar-

den back from these small insects, a change of strategy may help. Tokeep aphids and scale under control, plan ahead for next season,taking steps during the dormant time to eliminate most of them. Al-though mulch is a critical item to plant health over winter, clean-upof leaf litter on the mulch surface in the fall is a crucial step to re-ducing numbers of over wintering aphids seeking shelter.To remove oystershell scale a gentle scrubbing of the trunk will

exfoliate the bugs from the plant. Use a soft, soap-free plastic scrub-ber, bearing down lightly to remove the scale, not the bark.If the tree is heavily infested with aphids or scale a stronger ap-

proach is needed, such as applications of dormant oil during latewinter. These oils are refined for use on plants as a way to smotherthe insect or eggs and kill it. But a few words of caution when ap-plying dormant oils: make certain that the oil is labeled for use onthe plant. Many woody plants are sensitive to oils and could beharmed, rather than helped.Apply oils during warmer, dry days of early spring – before bud

break and not in freezing weather. Dormant oil is for use before ac-tive growth of the plant begins, not when shoots are growing, sowait until late winter. If applied too early, such as in the fall, plantsmay be prone to winter damage.But back to the wasps, which are a problem with their aggressive

foraging in fall. The best way to fix it is to find the nest and destroyit. This is not for the faint of heart; yellow jackets are a grounddwelling wasp, and post ill-tempered sentries at the entrance totheir nest.Lure them to a trap baited with heptyl butyrate, which is similar

to sugar water. These brightly colored plastic tubes entice yellowjackets, but not honey bees, with the sweet drink they crave.

Carol O’Meara is a horticulture entomologist with the Colorado State UniversityExtension office at the Boulder County Fairgrounds in Longmont. Contact her bycalling 303-678-6238 or emailing [email protected]. For more garden-ing tips, check out her blog at gardeningafterfive.wordpress.com.

Carol O’MearaColorado State

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lower than 740, it’s best to compare esti-mates, Sandoval says.

FHA does not set a minimum scorerequirement for 203(k) loans, but manylenders require a score of 640 or greater.

There are a few exceptions and somelenders accept scores as low as 600,Shepherd says.

Under the FHA’s 203(k) program,borrowers can get a mortgage with adown payment as little as 3.5 percent.HomeStyle requires a minimum 5 per-cent down payment.

The FHA 203(k) program is availableonly for owner-occupants. The Home-Style program allows investors.

The 203(k) rehab mortgage mustcomply with FHA loan limits. The limitvaries by county but is $271,050 in mostplaces. In high-cost areas, the limit is asa high as $625,500 starting Oct. 1. The

upper limit in highest-cost areas is$729,750 through September.

With a 203(k) loan, borrowers can getup to 110 percent of the home’s ap-praised value, compared to 95 percentwith a HomeStyle loan. Both appraisalsare based on what the house is expectedto be worth after repairs.

Continued from 5

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3 bedrooms, 2 baths,2 car garage.Call for details

$207,600

5004 Open Houses

Niwot By Owner,4 bdrm, 3.25 ba,

ponds, high end fin-ishes. Home worth$700k Starting bidsat $349,500. Open

Sat-Sun 10-5. Sellingdecision made Sunnight. 720-325-9895

5007 Mobile HomeFor Sale

BUYING & SELLINGAll types & sizes ofmobile homes!

Judy 970-690-3283Eagle Crest $48,000Lg dbl wide in fine

cond., 2 car gar, own-er will finance303-570-6257

End Unit,Pasture View

Weston Manor #2817th & Main, LNGMT55+,14x60 Magnolia,

2BR, new carpet,appliances & paint.Carport & 2 storage

sheds, $12,900303-946-0865Loveland Very nice14x70 2BR, 2BA, lgcovered deck, shed.

$24,500 970-980-4871Adult Community

5007 Mobile HomeFor Sale

BrandNew

Home!!$69,900

Beautiful 3 bed2 bath lot rent

special!Swimming poolClubhousePlaygroundNew fitness roomHuge Deck w/ GreatMtn Views

Financing availablePet Friendly

Sun Homes atEagle Crest

1-888-649-5616

4eaglecrest.com

*Expires 9/30/11

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

I WILL MOVE YOURHOME FOR FREE!

LOT RENTSTARTING@ $199250+ communities to

choose from.Offer expires 10/15/11

970-377-0990

NEW MOBILE HOMESAROUND $799 MONTHPayment incl. lot rentUsed singles/doubles

starting @$595Great locations!

Quick Easy Credit970-420-8488

6000 Homesfor Rent

1008 Terry, 3 bdrm,3/4 ba, unfin bsmt,2 car gar, $950/mo

RMG Realty,303-772-4466

1328 S Lincoln 4BR, 2BA, 2 car, frplc, fncdyd $1195/mo +dep

303-678-9544

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

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

2, 3, 4 Bedroom Homes1248 Grant St,

10694 Upper Ridge,2628 Danbury Dr,

1021 Alta,2401 Atwood303 Mumford

695 Glenarbor Cir1250 Linden St48 Placer Ave

37 Meredith Lane1965 Carr Ct

Call PMP303-776-RENT

2 BDRM, 1 BA, OldTown, oversize 1 cargar. Low maint backyard, w/d. Pet Neg.

$895/mo+dep.303-818-3522

3BR, 2BA Close toGreat Schools & Park.

Sprinkler sys, fire-place, 2 car gar,

1600sf, N/P/S $1300Available Now!

2021 Spencer Street303-775-0108

3+ BR on Golf Course733 Glenarbor Circle2 bath - big spaces

nice finishes 3,500sf$2150/mo+util, petsneg. 970.231.9921

4BR, 3BA, 3 car gar @1232 Button Rock,

near schools & parks,upgrades, no pets,

$1700, 720-935-7859

$625, bsmt apt Lgmt,incl all utils/ cbl/int.Avl 10/6 303-668 5687

6000 Homesfor Rent

55+ COMMUNITY!2BD, 2BA, Study, 2Car

Includes yard care,snow moved, accessto Hover AT-HOME

services, i.e. house-keep-ing, errands, etc.

No smoking, no pets.Avail 10/1, $1295/moCALL 720 244-0980

Cabin 2BR + office +loft. Huge covered

deck near Bldr/ Lgmt$1150/mo. 1 yr lease.

303-522-8312Owner/Broker

RENT to OWN3BR 2.5BA $1495/mo866-810-1446 ex102124 hr free rec msg

WHY RENT?Own a home for$O Down!

Do you qualify? CallDevin O’BranaganReferral Only Realty

303-772-7343

6001 Apartmentsfor Rent

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

Call (303)774-9944


1, 2 & 3 BDRMApartment Homes

The ShoresApartments,

Hwy 66 & Airport Rd(303)774-8000

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

1 & 2 BR Apt. HomesVictoria Inn Apts.2400 17th Ave.303-772-4667

1431 Stuart 1BR, 1BA,ground level, heat &water incl. $550/mo

RMG Realty,303-772-4466

2BD, 1.5BA, CarportWD hkup N/S/P $825303-444-0501

2 BDRM APTSStarting at $675/monthCall PMP, 303-776-RENT917 SUNSET, #3022 Bdrm, 1 ba, inclheat, wtr & trash.$700 RMG Realty,

303-772-4466

APTS YOUR CHOICE!www.alertrealty.net

EASTGLEN APTS630 Lashley, Longmont

(303)682-2943

1, 2 & 3 BEDROOMS:laundry.

Wtr, trash, sewer pd

Newly Remodeled2BR, 1BA. LongmontHousing accepted.

303-530-0991

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

LONGMONTREALTY

303-772-7576629 Terry St., Longmont

www.longmont-realty.com

720 HAYDEN CT.Tri-level located near TwinPeaks Golf has new paint,carpet, vinyl and appliances.Get this 3 bedroom, 3 bath,2 car garage all for just$184,900

3 SHARPE CT.Discover home ownershiphere on a Large cornerlot, new paint, carpet andappliances. Great locationfor the morning commuteor the evening stroll! NewPrice! $197,500

167 BUCHANANAVE, FIRESTONEMove in ready! New updateshere mean you just have tobring the moving truck. Fullunfinished basement foreven more room to roam.$174,900

9152 COUNTYROAD 15, LONGMONT4.75 Acres means lots ofpossibilities! Sheds, barnand a 4 car garage. Someelbow grease will make thisproperty shine! $254,900



VALUEPLACE

FIRESTONE

NewExtendedStay Hotel

$189.99/wkfor Studio1st 2 weeks

ONLY

Perfect forvisiting

friends &family!

I-25 & Hwy119,

Longmontexit 240.

303-485-0040

Must bring adat check-into qualify.*Expires9/30/11

*New GuestsOnly*

6002 Townhomes/Condos for Rent

2006 McCall2BR, 1100 sqft, Avail

Immed $795303-440-8200

2 bdrm $7252 bdrm, 1.5 ba,

crprt, storage $8252 bdrm + gar $925Ref & dep required.

720-334-0695

2 BR 3.5 Ba BeautifulTH- 930 Button Rock

$1195. 1 car gar970-669-0842 or

RMPM.com

3BR, 2BA 1200 sq ftCondo in Summerhawk

w/42“ HDTV, commu-nity pool, A/C & all

appliances incl w/d.$1170+dep includestrash, basic cable &

H2O No Pets/No Smoke720-272-3028

3 BR Semi-furn.3.5 ba, 1800+ sf. Likenew * nice Longmontlocation! $1300/mo.

720 771-7632.

50 19th AveUnit 76: 2BR,997sq.ft

Avail Immed,$895303-440-8200

Powderhorn Condo2BR, 2BA, $1000/moinclds all fees & utls.

303-530-7490

6005 Apts. forRent Furnished

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

6005 Apts. forRent Furnished

Beautiful, quiet 2BRapt. in historic home,W/D, N/P/S $1050/moinclds utils, cable &wifi 303-809-4287

SEMI-FURN Rooms/AptsWkly/mnthly from $100/wk

Utils/micro/fridge inc(303)931-7108

6007 Duplexes

2 BD, DW, gar. N/S/P$795, 303-776-8038

720-442-3443Avail Oct. 1st, 2BR, 2 BA1 car, W/D hk. fencedbk yd, no pets. $875/mo +dep 303-651-2573

Duplex/Condo2-3 Bedroom

344 Colony Pl.50 19th Ave.

Call PMP,303-776-RENT

Frederick 1 bdrmduplex, 537 5th St.

$595 Call PMP,303-776-RENT

Lg 3BR, 2BA, vaultedceilings, frplc, bsmnt,AC, NO PETS $850

303-499-7997

6009 Housemates/Roommates

Nice Home in GoodNeighborhood

M/F to share clean,3BR, 2BA home inErie. $465rent +

$350dep.www.dottedi.biz/rentalBob 303-926-0167

N/S Roommates wantedfirst come first serve,

lg rooms avail. 9/1$500 inclds utls.

720-327-5749

Roommate Wanted,Large bdrm, collegestudent or must havestable job. $400+ util&dep. 303-709-3841

6010 Roomsfor Rent

1 Room in clean non-smoking home in SWLongmont near openspace & mall. $420 +deposit 720-495-5053

6015 Retail Spacefor Lease

2773 SQ FT- Busyshopping center,

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

6016 Office Spacefor Lease

255 WEAVER PARKCLASS “A” secondfloor office space for

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

1 yr Free Rent!

Don Rulle, CCIM303-772-2222$250/mo, 110 to 5000 SF

2432 Main,Four Seasons Realty.

303-875-1345.

500 to 2500 sf, candivide. On site prkg,

303-523-3369

6016 Office Spacefor Lease

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

DRIVE YOURWHEELS

List your car andget ready to roll.

$10, 3 lines, 30 daysPlace your ad.

Call303-466-3636 or970-635-3650

Or visitFrontRangeClassifieds.com

Qualty Single Offices$350 to $500, free

utils. (720)280-9047

6017 Indust./Comm’lfor Lease

788 Sq Ft, DowntownLouisville.

303-664-9632

For Lease Approx 695sq ft, Main St, Louis-ville. 303-664-9632

6018 Storage Spacefor Lease

COMMERCIAL STORAGE1 blk off Main & E. 17th

2-650sf units, w/ 3’door, 9’x9’ gar.dr.,

$390/mo1-1300sf unit w/ 2-3’

doors, 2-9’x9’ gar.drs.,$700/mo

Call 303-775-0391

INDOOR GARAGE &Commercial Storage20x40x16 w/14x14doors start at $300.20x50x16 w/ 30 amp

elect, man door &pwr door opener

start at $425.Garage Storage LLC,

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

com

6020 Mobile HomeFor Rent

FALLSPECIALS!FREE RENT& reduceddeposits!!Brand NewHomes to

RentStarting at

$899/Month!

3 to 4bedrooms

and 2 baths

Fitness roomClub HousePlayground

PoolPet Friendly

Expires

9/30/2011Sun Homes At

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

FIND IT. OWN IT. WORK IT. SELL IT.

303.466.3636 Boulder/Broomfield/longmont 970.635.3650 loveland

GET IT DONE.


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

Longmont• Jennifer Ryan from Josef Bencsik,

1529 Prairie Hawk Dr, Longmont,$259,900, home• Nathan & Rebecca Doyle from Steve

Catalano, 510 Collyer St, Longmont,$235,500, home• Tory Wunder from Donald Nicoll,

1400 E 9th Ave, Longmont, $230,000,home• Bruce & Sandra Shibles from San-

dor Demosthenes, 11773 Pleasant ViewRdg, Longmont, $365,000, home• Jessica Graziano from Patricia Dick-

son, 4517 Bella Vista Dr, Longmont,$337,000, home• Jeremy Dolloff from Discovery In-

vestments LLC, 2120 Hackberry Cir,Longmont, $158,000, home• Susan Kitchen from Grover Enny,

1515 Linden St, Longmont, $277,000,home• Eric Scamehorn from Federal Home

Loan Mortgage Corp, 358 Sunnyside Ln,Longmont, $80,000, home• Irma & Adan Vazquez from Federal

Home Loan Mortgage Corp, 1294 FallRiver Cir, Longmont, $189,000, home• John & Shelly Cox from Michael

Hoog, 1309 Monarch Ave, Longmont,$200,000, home• Jonathan & Raeanna Roylance from

David Kihm, 823 Bluefield Ct, Long-mont, $385,000, home• Mark Rayman from Lois P Rayman

Living Trust, 3118 Lakeview Cir, Long-mont, $215,000, home• Krista Borger from Gregory Payne,

633 Hilltop St, Longmont, $164,000,home• Valentin Isais from Donald Reback,

1284 Cumberland Dr, Longmont,$190,000, home• Robert & Susan Lock from Judith

Weinacht, 1216 Cornell Dr, Longmont,$220,000, home• Sherry McIntosh from Keith Woj-

ciechowski, 1725 Spencer St, Longmont,$179,000, home• Patrick Kilfoile from Tory Wunder,

521 Sandpoint Dr, Longmont, $239,000,home• Patrick & Jacqueline Arias from Au-

rora Loan Services LLC, 9771 Niwot Rd,Longmont, $710,000, home• Timothy Bennett from David Dene-

sha, 1427 Lincoln Cir, Longmont,$190,000, home• Scott & Mellisa Fischer from Fannie

Mae, 2236 Smith Dr, Longmont,$158,500, home• Melissa & Philip Donela from JP-

Morgan Chase Bank, 136 Grant St,Longmont, $135,000, home

Berthoud• Michelle Normoyledietz from

Berthoud Investments LLP, 835 Gen-tlewind Way, Berthoud, $157,500, home• Derek & Emmy Ingham from Jer-

rold Judd, 215 E Michigan Ave,Berthoud, $238,000, home• Resident from Timberline Church,

348 5th St, Berthoud, $98,000, home• Daniel & Marsha OConnell from

Homesales Inc, 408 Wark Ave,Berthoud, $105,000, home

Erie• Christopher & Tabitha Aaron from

Richard Johnston, 1333 Banner Cir,Erie, $318,000, home• Robert & Megha Coy from Graham

Stewart, 2108 Pinon Dr, Erie, $310,000,home

Firestone• Traci & Jarom Paice from Leslie

Meyer, 6869 Sage Ave, Firestone,$340,000, home

Frederick• Gregory & Karen Young from Hai

Chau, 5315 Coyote Dr, Frederick,$205,000, home• Tricia Nickson from Stephen

Desmond, 4849 Barn Owl Dr, Frederick,$277,300, home• Jeremy Felix from Jeremy Felix,

3120 Comanche Ct, Frederick,$110,500, home• Charles Folden from Melody Homes

Inc, 8344 Brandywine Ave, Frederick,$263,200, home• Kenneth & Carolyn Jones from Rali,

5725 Skyline Ave, Frederick, $180,000,home

Lyons• Daniel Hoy from Alison Schneider,

900 Kiowa Rd, Lyons, $368,200, home• Little LLC from Marguerite Peoples,

436 High St, Lyons, $129,000, home

Niwot• Jonathan Jargon from Adam Ar-

mold, 8934 Walker Rd, Niwot,$455,000, home

Platteville• Mariano Velasco from George Bar-

rett, 16492 Fairbanks Dr S, Platteville,$44,000, home•Francisco & Patrici Barron from

Smith Gib, 10508 Weld County Road225, Platteville, $550,000, home

Foreclosures – Notice of election anddemand• Borrower: Thomas & Brigit Hauck,

Lender: The Bank Of New York Mellon,Amount: $1,341,517, Property: 6373Snowberry Ln, Batesburg, Filed:09/02/11• Borrower: Joyce Stoner, Lender:

Adams Bank & Trust, Amount:$208,760, Property: 307 Welch Ave,Berthoud, Filed: 09/02/11• Borrower: Diana & David Patrick,

Lender: Wells Fargo Bank NA, Amount:$235,301, Property: 1960 Clark Ct, Erie,Filed: 09/01/11• Borrower: Patsy Stephens, Lender:

Wells Fargo Bank NA, Amount:$80,536, Property: 14627 County Road22, Fort Lupton, Filed: 09/07/11• Borrower: Bernard & Jenny Goetze,

Lender: The Bank Of New York Mellon,Amount: $173,055, Property: 5406 WolfSt, Frederick, Filed: 09/06/11• Borrower: Charles Gossage, Lender:

Onewest Bank FSB, Amount: $264,380,Property: 1813 Crestone Ct, Longmont,Filed: 09/01/11• Borrower: Michael & Lois Moger,

Lender: Elevations Credit Union,Amount: $371,976, Property: 11022 N66th St, Longmont, Filed: 09/02/11• Borrower: Daniel & Little Dove

Rios, Lender: Wells Fargo Bank NA,Amount: $207,328, Property: 1437 STerry St, Longmont, Filed: 09/02/11• Borrower: Theodore Martinez,

Lender: Wells Fargo Bank NA, Amount:$152,569, Property: 1039 Gay St, Long-mont, Filed: 09/02/11• Borrower: Brett & Jeanne Crall,

Lender: Bank Of America as Successor,Amount: $259,843, Property: 729 Tan-ager Cir, Longmont, Filed: 09/06/11

• Borrower: Cynthia Gutierrez & Pe-ter Valle, Lender: Bank Of America NAAs Successor, Amount: $139,109, Prop-erty: 721 Martin St, Longmont, Filed:09/06/11• Borrower: Gerry Withers, Lender:

Aurora Bank, Amount: $132,800, Prop-erty: 933 Quartz Ct, Longmont, Filed:09/06/11• Borrower: Twin Peaks Pl LLC,

Lender: Bank Of America NA Successor,Amount: $26,479,674, Property: 2000Ken Pratt Blvd, Longmont, Filed:09/06/11• Borrower: Ofelia Treto, Lender: The

Bank Of New York Mellon, Amount:$169,872, Property: 2025 Mount Snef-fels St, Longmont, Filed: 09/07/11• Borrower: Christian Debaun,

Lender: US Bank National Association,Amount: $116,443, Property: 1601Great Western Dr I1, Longmont, Filed:09/07/11• Borrower: Gregory & Tamara Nott,

Lender: Wells Fargo Bank NA, Amount:$291,041, Property: 1104 Chestnut Dr,Longmont, Filed: 09/07/11• Borrower: Jose & Norma Rios,

Lender: Aurora Bank FSB, Amount:$131,552, Property: 125 Empson Dr,Longmont, Filed: 09/07/11• Borrower: Kim & Robert Cinea,

Lender: S & A Capital Partners Inc,Amount: $23,139, Property: 2632 Dan-bury Dr, Longmont, Filed: 09/07/11• Borrower: Thomas & Marcia

Provost, Lender: Adams Bank & Trust,Amount: $40,000, Property: 811 E 5thAve, Lyons, Filed: 09/02/11• Borrower: David Sennewald,

Lender: Wells Fargo Bank NA AsTrustee, Amount: $262,175, Property:1051 E 5th Ave, Lyons, Filed: 09/02/11• Borrower: Shane & Tina Hill,

Lender: The Bank Of New York Mellon,Amount: $287,950, Property: 1829 1stSt, Berthoud, Filed: 07/06/11• Borrower: Catherine Floyd, Lender:

Wells Fargo Bank NA, Amount:$317,607, Property: 5121 Foothills Dr,Berthoud, Filed: 07/06/11• Borrower: Kay & Paul Thomson,

Lender: JPMorgan Chase Bank NationalAssociation, Amount: $293,963, Proper-ty: 2563 County Road 42, Berthoud,Filed: 07/01/11

Simplifyyour

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

Foreclosures – Notice of election anddemand• Borrower: Susan London, Lender:

HSBC Bank USA National Association,Amount: $177,554, Property: 302 3rdSt, Dacono, Filed: 07/06/11• Borrower: Rene & Kelly Rivera,

Lender: Wells Fargo Bank NA, Amount:$199,059, Property: 1105 Sunrise Cir,Dacono, Filed: 07/06/11• Borrower: Ralph Nations, Lender:

BAC Home Loans Servicing LP, Amount:$349,969, Property: 1420 Rue De Trust,Erie, Filed: 07/01/11• Borrower: Kathleen Denzer, Lender:

BAC Home Loans Servicing LP, Amount:$148,949, Property: 2855 Blue Sky Cir3-303, Erie, Filed: 07/01/11• Borrower: Timothy & Barbara

Tomasso, Lender: The Bank Of NewYork Mellon, Amount: $343,591, Prop-erty: 944 Reliance Dr, Erie, Filed:07/06/11• Borrower: Geoffrey & Laurie Miller,

Lender: Citimortgage Inc, Amount:$268,867, Property: 6055 Ulysses Ave,Firestone, Filed: 07/01/11• Borrower: Morganti Properties LLC,

Lender: Wells Fargo Bank NA DBAAmericas, Amount: $94,720, Property:366 Wooster Ave, Firestone, Filed:

07/01/11• Borrower: Gwen Lavoie, Lender:

Branch Banking And Trust Company,Amount: $135,006, Property: 10818Cimmarron St 301, Firestone, Filed:07/06/11• Borrower: Ray Brown, Lender: The

Bank Of New York Mellon, Amount:$164,416, Property: 6914 SummersetAve, Firestone, Filed: 07/06/11• Borrower: David Hollenbeck,

Lender: Everbank, Amount: $301,412,Property: 5547 Wetlands Dr, Frederick,Filed: 07/06/11• Borrower: Arman & Amy Nolledo,

Lender: Wells Fargo Bank NA, Amount:$405,000, Property: 4120 Portofino Dr,Longmont, Filed: 07/01/11• Borrower: Mario Medellin, Lender:

Citimortgage Inc, Amount: $164,305,Property: 1204 Meadow St, Longmont,Filed: 07/01/11• Borrower: Maria Coria, Lender: BAC

Home Loans Servicing LP, Amount:$217,025, Property: 1337 Garden Pl,Longmont, Filed: 07/01/11• Borrower: Darryl & Nina Johnson,

Lender: Wells Fargo Bank NA, Amount:$201,168, Property: 438 Highland Dr,Longmont, Filed: 07/01/11• Borrower: Holly Bornschlegel,

Lender: Wells Fargo Bank NA, Amount:$130,702, Property: 800 Lincoln St D,Longmont, Filed: 06/30/11

• Borrower: Frank Paniagua, Lender:The Bank Of New York Mellon, Amount:$122,652, Property: 841 Bross St, Long-mont, Filed: 07/05/11• Borrower: Frank Paniagua, Lender:

The Bank Of New York Mellon, Amount:$122,652, Property: 841 Bross St, Long-mont, Filed: 07/06/11• Borrower: Willard & Tanya Kenyon,

Lender: Messner & Reeves LLC,Amount: $152,435, Property: 603 Coun-ty Road 18, Longmont, Filed: 07/01/11• Borrower: Marie Snyder, Lender:

Deutsche Bank National Trust Company,Amount: $398,930, Property: 11823 NBeasley Rd, Longmont, Filed: 07/06/11• Borrower: Greg Johnson, Lender:

Provident Funding Associates LP,Amount: $367,372, Property: 128 Fal-con Ln, Lyons, Filed: 07/01/11• Borrower: Thomas Hermosillo,

Lender: GMAC Mortgage LLC, Amount:$137,304, Property: 506 Olive Ln, Plat-teville, Filed: 07/06/11

Frederick• Todd & Jeannie Rentmeester from

Dwight Hull, 5516 Palomino Way, Fred-erick, $365,000, home• Steven & Judy Sinkule from KBD

Homes Inc, 6511 Black Mesa Rd, Freder-ick, $421,800, home• Borrower: Duncan & Jennifer Shaw,

Lender: US Bank National Association,Amount: $208,993, Property: 640 Pyra-

mid Peak St, Berthoud, Filed: 07/13/11• Borrower: Jared & Anya Crace,

Lender: Nationstar Mortgage LLC,Amount: $180,027, Property: 115 Brit-tany Ct, Dacono, Filed: 07/07/11• Borrower: Marie Gabriella, Lender:

US Bank National Association, Amount:$359,991, Property: 4415 Ne CountyLine Rd, Erie, Filed: 07/08/11• Borrower: Bruce Hunt, Lender: Citi-

mortgage Inc, Amount: $293,222, Prop-erty: 1942 Windemere Ln, Erie, Filed:07/07/11• Borrower: John & Janice Shattuck,

Lender: JPMorgan Chase Bank NationalAssociation, Amount: $777,775, Proper-ty: 115 Beech Ct, Erie, Filed: 07/08/11• Borrower: Scott Lang, Lender: JP-

Morgan Chase Bank Na Successor,Amount: $169,960, Property: 105 BriggsSt, Erie, Filed: 07/11/11• Borrower: Torry & Kiley Avery,

Lender: Deutsche Bank National TrustCompany, Amount: $180,965, Property:10481 Taylor Ave, Firestone, Filed:07/08/11• Borrower: Louis Goldsby, Lender:

Public Service Credit Union, Amount:$234,940, Property: 13831 County Road22, Fort Lupton, Filed: 07/08/11• Borrower: Yun & John Park, Lender:

Wells Fargo Bank NA, Amount:$202,844, Property: 4834 Eagle Blvd,Frederick, Filed: 07/11/11

QUAIL CROSSING OPEN HOUSES

• 2 bdrm/2 baths• Hardwood flrs throughout• New S.S. kit. appl./new W/D• Framed basement withradon mitigation

930 Button Rock, Q-97 Longmont, 80504$151,000

Open Saturday 1-3pm

Sybil Zikmund, Re/Max of Boulder • 303-717-0448R E A L E S T A T E

WRIGHTKINGDOM

• 2 bdrm/3 baths• Impeccable townhome• Unfinished basement• Detached, single garage+ parking space

930 Button Rock Drive, C-14 Longmont, 80504$155,000

Open Saturday 1-3pm

Debbie Haubert-Halsey, Wright Kingdom Real Estate • 303-588-2128

• 2 bdrm/2 baths/1764 total sq. ft.• Impeccable end unit townhome• Basement may be finished-ask how• Detached, single garage+ parking space

930 Button Rock Drive #4 Longmont, 80504$157,000

Open Saturday 1-3pm

Jill Allington, ReMax Traditions • 720-323-4214

• 2 bdrm/2 baths/1764 total sq. ft.• Impeccable end unit townhome• Unfinished basement• Detached, single garage+ parking space

930 Button Rock Drive, M-75 Longmont, 80504$155,950

Open Saturday 1-3pm

Ron Cooper, ReMax Alliance-Bldr • 720-323-4214


OPEN HOUSEDIRECTORYFEATURED HOMES

Day Price Location Address Hours Office PhoneSaturday $168,000 Longmont 1703 Whitehall Dr 9A 11-2PM Re/MAX Traditions/Graham 720-272-0183

Saturday $169,900 Longmont 640 Gooseberry Dr. #303 1-3PM Niwot Real Estate Inc/Mills 303-875-7071

Saturday $179,500 Longmont 1011Sonoma Cir 3-E 12-3 PM ERA Tradewind/Seeley 303-589-4719

Saturday $208,000 Longmont 907 E. 5th Avenue 11AM-1PM Wright Kingdom/Dene Yarwood 303-808-0076

Saturday $215,000 Longmont 1439 Beatrice Court 11-1 PM Dyer Realty, Inc./Dyer 303-772-3200

Saturday $475,000 Dacono 3814 Jay Hawk Ct. 11-1PM Legacy Real Estate Group/Callis 303-257-4725

Saturday $529,000 Longmont 1720 Twilight Court 11-1PM RE/MAX Traditions/Kokenzie 303-775-1084

Saturday $184,900 Longmont 1514 S. Vivian St. 2-4 PM Coldwell Banker Residential Brokerage/Napier 303-775-5234

Saturday &Sunday

$249,000 Longmont 15th & Francis 11-6 PM Markel Homes 303-589-5752

Sunday $149,900 Longmont 1551 Centennial Drive 12PM-2PM Wright Kingdom/Diane MacInness 303-818-6400

Sunday $159,900 Longmont 1232 Atwood 1 to 3 PM Coldwell Banker Residential Brokerage/Torres 720-320-1405

Sunday $203,900 Longmont 1212 Trout Creek Circle 1-3 PM Colorado Gold Real Estate/Renken 303-717-8991

Sunday $260,000 Longmont 1608 Oak Ridge Lane 10-12 PM Coldwell Banker Residential Brokerage/Napier 720-320-1405

Sunday $295,000 Lyons 314 Main St. 11-2 PM Coldwell Bank Residential/Jonelle Tucker 303-902-6250

Sunday $334,900 Boulder 1299 Yellow Pine Avenue 11AM-1PM Wright Kingdom/Rachel Weinberg 303-541-1913

Sunday $499,900 Lafayette 2840 Antelope Court 1PM-3PM Wright Kingdom/Rob Justis 303-817-0906

Sunday $579,000 Superior 2905 Jade Court 12PM-2PM Wright Kingdom/Jill Muller 303-941-6927

Sunday $599,000 Boulder 542 Seven Hills Drive 1PM-4PM Wright Kingdom/Debbie Halsey 303-588-2128

Sunday $625,000 Lafayette 2214 Eagles Nest Drive 1PM-3PM Wright Kingdom/Donna Jensen 720-564-6065

Sunday $1,140,000 Lafayette 2078 Navajo Trail 1PM-4PM Wright Kingdom/John Boteler 303-541-1944

Sunday $1,145,000 Lafayette 1276 Hawk Ridge 11AM-2PM Wright Kingdom/Mike Moger 303-541-1920

Saturday 11-1pm3814 Jay Hawk Ct., DaconoEagle Meadow Community

$475,000Sprawling 4 bed/4 ba Ranch on .64acres, mtn views , 3 car garage, RVpad, Gourmet Kit, formal din rm,luxury master suite, must see!

Garry Callis • Legacy Real Estate Group • 303-257-4725

Open Sat 11-1pm1720 Twilight Court, 80504

Longmont$529,000

Semi-Custom, Stone and Stucco 3 bed,4 baths. Fabulous Sundance Subdivi-

sion. Backs To Open Space-UnionRes & Mountain Views. UpgradesThroughout-Elegance Abounds.

John Kokenzie • RE/MAX • 303-775-1084

Open Saturday 1-3pm640 Gooseberry Dr. #303

Longmont$169,900Beautiful 2 BR Condo

New Carpets, Great Paint,New Water Heater

Ann Mills • Niwot Real Estate Inc. • 303-875-7071 • [email protected]

Open Sat 11-11439 Beatrice Court

LongmontNOW ONLY$215,000!

Price reduced on this updatedranch duplex in Longmont Vil-

lage. Wood floors in BR andliving areas, newer appliances inkitchen, 2 car attached garage.

Deanna Dyer • Dyer Realty, Inc. • 303-772-3200

Open Sun 11-2314 Main St.

Lyons$295,000

Rare opportunity to own one ofLyons’ quaint craftsman-style

bungalows zoned commercial withoptional residential use.

Jonelle Tucker • Coldwell Banker Residential • 303-902-6250

Open Sat 11-21703 Whitehall Dr 9A

Longmont$168,000

2 Beds, 2 Baths, 1414 sq. ft. CondoMain Flr is 2+ Car Tandem GarageBeautiful Upgraded Open Flr Plan

New Carpet, Paint, Appliances & More!

Tracy Graham/Remax Traditions • 720-272-0183

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