Saturday Reporter-Herald Oc tober 23, 2010 E1

• •

Real EstateMatters

Appraisalproblems killchance at lowinterest rate

ILY C E GLINKREAL ES TAT E MAT T E R S

Home buyers and ownersacross the country are hav-ing appraisal problems.

Some buyers are denied mortgagesbecause the properties they want topurchase have been appraised forless than the agreed upon price.Many owners trying to refinance arebeing rejected because lower ap-praisals are eliminating the equitythey need to qualify for new loans.

I recently received a letter from ahomeowner whose house appraisedat $187,000 two years ago. Threeweeks ago, the same property ap-praised for just $127,000. Thehomeowner wanted to refinance afirst and second mortgage into asingle primary loan. The owner isseven years into his first mortgage(a 15-year fixed rate mortgage at5.375 percent), and four years intothe second mortgage (a 15-yearfixed rate loan at 7.84 percent)

The homeowner still has enoughequity to qualify, but the new loan-to-value ratio is 81 percent, and thelender has offered a 30-year loan at4.78 percent and wants to chargethe borrower private mortgage in-surance (PMI).

Whether you're moving into a newly constructed home or buying pre-owned, there aresome things you should know about your heating and cooling system. How do youknow if you have a viable, economic heating or cooling system, or an energy hog that

will eat a hole in your budget? Look at the upgrades in HVAC equipment that you can pur-chase at time of design.

NEW HOME HVAC INSTALLATION TIPS

• Where will the thermostat be located? On an inside wall with plenty of air circulation is best.• Is there plenty of access space around your heater or air-conditioner? If they are behind adoor, is there adequate ventilation? Can they draw air easily, or is their air intake impeded?• Are the systems equipped with insulated pipes? If not, is there easy access to drainage pansto avoid condensation build up that can lead to household mold and mildew affecting your in-door air quality?• Are your heating and cooling systems equipped with easy to locate filters that you canchange? Dirty filters diminish your system's effectiveness and energy efficiency — and increaseenergy costs.• Make sure the heating and cooling systems you install are adequate for your home. Onethat's too small will strain and not heat or cool. One that’s too large won’t effectively removemoisture from “clammy air," even though it may cool faster. An oversized unit will just run upyour energy bill.

OLDER HOME HVAC SYSTEM TIPS

• Ask to see maintenance bills.• Talk to contractors who worked on the system and ask them about its reliabilit y.• Pay for a heating or cooling NATE Certified HVAC contractor to do a thorough check up of

your entire system — just as you would if buying a used car. Have them evaluate the efficiencyof the system, and you might save bigger bucks down the road.

Cash for Clunkers a huge successwww.homeandrealtyguide.com Saturday, October 23, 2010 Reporter-Herald

The second Cash forClunkers programthrough Northern Col-

orado Air is currently takingplace after the great success oflast year’s contest. ThroughJan. 14, 2011, customers re-placing their furnace will be el-igible to win $750 cash if theirfurnace is the oldest the com-pany replaces during the con-test dates (Sept. 13, 2010-Jan.14, 2011).

The oldest furnace replacedduring last year’s contest wasbuilt in 1956 and came fromEmmanuel Baptist Church inL oveland.

This is a great time to re-place that old furnace. Thecombination of a $1,200 re-bate on selected Lennox prod-ucts, the federal tax credits ofup to $1,500 and additional re-bates through Excel Energyand the state of Colorado, cus-tomers have the opportunityto save up to $3,520 with theinstallation of a new heating orcooling system.

Customers can further lowerthe cost of heating bills withthe installation of a high effi-ciency home comfort system.But act soon; the Lennox re-bate ends November 30, 2010.

Ensure that existing heatingand cooling systems are run-ning at peak efficiency by sign-ing up for Northern ColoradoAir’s Planned MaintenancePro g r a m .

Heating and cooling equip-

ment needs regular mainte-nance just like a car. ThePlanned Maintenance Programhelps schedule same-day prior-ity service so you have one lessthing to worry about.

The program includes acheck and service of the cool-ing system in the spring, andheating system in the fall byNATE certified professionals.

The Planned MaintenanceProgram means access to spe-cial products and a 10 percentdiscount on parts and labor,lower utility bills by achievingpeak efficiency, extension ofequipment life — overall peaceof mind.

Northern Colorado Air is afamily owned and operatedbusiness established in 1992.The company has a BetterBusiness Bureau A+ ratingand is actively involved in thecommunity, participating inCity of Loveland’s Corn RoastFestival for the past five years.Celebrating and supportingthe local community meanstaking care of customers. Aloyal Northern Colorado net-work has kept business boom-ing for Northern Colorado Air.

To learn more about North-ern Colorado Air’s PlannedMaintenance Program, Cashfor Clunkers program or an-swers to any of your heatingand cooling questions, call970-669-2055 or visitw w w. n c a g r i f f. c o m .

RH Photo/Chuck WilletJeff Richard, General Manager of Northern Colorado Air, presentsPastor Bob Garner from Emmanuel Baptist Church of Lovelandwith a check for $750 as part of the company’s Cash for Clunkersprogram. The church won last year’s contest. The church’s furnace,built in 1956, was the oldest replaced during the contest.

Mark KoentoppBr oker/AssociateRE/MAX Alliance

PPPaaagggeee EEE333

Realtor ofthe Week

Director yPPPaaagggeee EEE555

Inside thisweek’s Home &

Real Estate

PPPaaagggeee EEE222

Real EstateTr a n s a c t i o n s

Listings from FrontRange properties

recently sold

� See Glink /Page E4

RH Photo/Rhema ZlatenNorthern Colorado Air generalmanager Jeff Richard cleans andinspects a furnace for the fall.

NoCo Air gives customersthe chance to win

$750 cash

A+

“For Quality Service and Repair, Call Northern Colorado Air.”

$1,200+$1,500+$ 820

$3,520

TaxCredit

Utility Rebate

Rebate

Total Savings*

It’s impossible to save too much money...

on a heating or cooling system,but this is pretty close.

Act Now!

*Offer expires 11/30/2010. Conditions apply 669-2055we pay you

Furnacee

Check & Service

**Valid with installation of a new furnace from NCAbetween 09/13/2010 and 01/14/2011

**

We service all brands24/7

ends soon

Federal Tax Credit

Find us the Oldest Furnace

$750Cash for the Oldest Clunker

Save up to 20% on utility bill

$89 www.ncaGriff.com

43-317294

Saturday Reporter-Herald Oc tober 23, 2010 E2

Property of the Week

Call David Powell, Realtor with RE/MAX Alliance, at 970-481-5015 or 970-669-1234

p yy f

2028 Rodgers Court, Love2028 Rodgers Court, Lovelandland

Bedrooms: 4Bathrooms: 2.5Square Feet: 2,635 Price: $237,500MLS #637332On the Web: Visit www.2028Rodgers.com for a virtual tour

This immaculate two-story home is lo-cated in Southwest Loveland. Main fl oor living with master and laundry on the main level. The home includes a three-car garage, a covered front porch, tiled entry and fenced yard. It backs to walk-ing trails and a greenbelt. Also included are an unfi nished basement for future expansion, a three-sided fi replace and a master suite with four-piece bath.

lo

David Powell

Real Estate Trans-actions are suppliedby Prospects Unlimit-ed Inc., 1151 EagleDrive No. 467, Love-land, CO 80537,667-1537.

L oveland• Larry & Kerry

Erickson from Bach-li Virginia M, 1560Pennsylvania St,Loveland, $213,000,home

• Adam Fleenerfrom Beyer Jennifer,1015 E 4th St,Loveland, $137,500,home

• Stephanie Wel-ter from Cathy J Do-ran Living Trust,2114 Buffalo Moun-tain Pl, Loveland,$252,000, home

• M a n d a ko l o t o rGanesh from Colly-er Paul A & Jan L,1331 Crabapple Dr,Loveland, $310,000,home

• Randall Duncanfrom ConnerWilliam L & LauraM, 1567 E 5th St,Loveland, $161,000,home

• Lars & Kather-ine Kemp from Cus-tom Onsite Inc,2903 PurgatoryCreek Dr, Loveland,$453,600, home

• Jesse & JudithEngel from FannieMae, 2034Chancery Dr, Love-

land, $146,000,home

• Kurt & KristinaKuskie from Fleis-chli Kris, 6756 NCounty Road 13,Loveland, $275,000,home

• John & RobinLabarbera from GileTimothy J & DebraC, 1609 Melissa Dr,Loveland, $202,000,home

• Patricia Robertsfrom Glen HomesLlc, 3448 PeruvianTorch Dr, Loveland,$374,000, home

• Jack & PatsySullivan from Gon-zales Andrew N &Dorothy J, 2339Lawson Dr, Love-land, $237,500,home

• John & SharonSorensen from Grif-fin Alvin R & Mar-garet Colleen, 4737Sunvalley Dr, Love-land, $146,000,home

• Bearly Llc fromHighland Properties3908 Llc, 5878 PoleHill Rd, Loveland,$741,100, home

• Salomon & Pat-ty Tapia fromKe e n a n h a r t eMichelle M &Michael W, 915Daphne Dr, Love-land, $164,000,home

• James & DianaStoll from Labar-bera John J & Robin

D, 4543 Cole Dr,Loveland, $237,500,home

• Teresa Mysykfrom Lange James J& Jodi J, 1271Haffner Ct, Love-land, $155,000,home

• Kenneth & KayMjelde from LintonLavonne E, 1100Taft Ave Unit 25,Loveland, $164,000,condo

• James &Catherine Lutz fromMorey Kenneth L &Frederick L, 435Clubhouse Ct, Love-land, $270,000,home

• Connie Logsdonfrom Mullins JasonE, 1234 E 3rd St,Loveland, $139,000,home

• Bruce Campbellfrom Reiber WendyS & Ben J, 86822nd St Sw, Love-land, $107,000,home

• Margaret Spearsfrom Schmidt KentJ, 510 Sundisk Dr,Loveland, $168,000,home

• Kelly Scovillefrom Warner KellyA, 2208 Arron Dr,Loveland, $187,000,home

• John & Chris-tine Dildine fromBurgess Amy, 6018N County Road Unit27, Loveland,$325,000, condo

• Donald &Sharon Cox fromEvans Nancy R,1935 Halfmoon Cir,Loveland, $210,000,home

• Ramona Perkinsfrom Field GregoryW & Kimberlie S,1510 Box PrairieCir, Loveland,$194,000, home

• Richard & Bren-da Holder fromGillespie Daniel W& Janet A, 3225Tabernash Dr, Love-land, $335,000,home

• Heather Jensenfrom KlingerDanielle M, 737Adams Ave, Love-land, $159,000,home

• Matthew Wardenfrom LechtenbergLawrence C, 1739Ellen Ct, Loveland,$150,000, home

• Harry &Stephanie Fulcherfrom Mcgill Anne K,1835 Twin LakesCir, Loveland,$172,000, home

• Peter & LindaSchoon from Advan-tage Bank, 4009 ViaDel Oro Dr, Love-land, $110,000,home

• Jonni Shawfrom Bland TimothyAlan & Cheryl Lynn,1644 Elizabeth Ct,Loveland, $125,000,home

• Timothy Wallis

from Conroy MargieL, 1312 Walnut St,Loveland, $149,000,home

• Laura Barnesfrom Fannie Mae,892 Alexandria Dr,Loveland, $224,900,home

• Robert Kittlefrom Gsaa HomeEquity Trust 2006 2,1716 Denver Ave,Loveland, $124,000,home

• Everett & Mari-an Hoff from MillerHeather, 714 Lavas-tone Ave, Loveland,$193,000, home

• Caleb & LindaHolcomb fromMiller Tim L, 1312Edwina Pl, Love-land, $140,000,home

• Lois & ThomasMeitzler from Wack-er Wilma & WilmaM, 5892 W CountyRoad 12, Loveland,$497,000, home

Berthoud• Kenneth Law-

less from ZakRaphael A & SusanC, 1090 7th St,Berthoud,$188,000, home

Estes Park• Dp Lllp from

Smith Donald S &Janet E, 800 Mac-gregor Ave UnitA56, Estes Park,$309,000, condo

• Craig Seaverfrom Balinski TerryM, 1655 Gray HawkCt, Estes Park,$272,000, home

• Rmp LLC fromBenz John, 2855Eaglecliff Dr, EstesPark, $265,000,home

• Cabin Llc fromCynthia A ForwardTrust, 2201 High Dr,Estes Park,$250,000, home

• Harold & KarenIrvine from PawneeMeadows LLC, 1780Gray Hawk Ct, EstesPark, $237,600,home

• Willy & MarilynHammon fromSchofer Karna KKruckenberg, 1070Camelot Ct, EstesPark, $275,000,home

• Greg & RoxanneVanskiver from StarrRevocable Trust,271 Steamer Ct,Estes Park,$400,000, home

• Francois Revoca-bl from Curtis DPamela L SchockRevoc, 100 Ute Ln,Estes Park,$1,062,500, home

• Gary & JanetTrunnell from Evans

Family Trust, 1600Wapiti Cir Unit 53,Estes Park,$425,000, condo

• Rebecca & PaulBeckingham fromTrunnell Gary T,2303 Aspen BrookDr, Estes Park,$590,000, home

• MelanieHuibregtse fromFannie Mae, 909Riverside Dr, EstesPark, $118,000,home

• Lori Greeningfrom Us Bank, 974Sutton Ln, EstesPark, $120,000,home

H& Real Estate TransactionsRE

Mortgage rate update

30-year fixed

15-year fixed

5/1 ARM

This week Last week Tre n d

4.23%

3.62%

3.17%

4.25%

3.67%

3.18%

For home and real estateadvice, features and

information, visitwww.homeandrealtyguide .com

Regional Snapshot for Loveland/Berthoud Residential

June 2010 July 2010 August 2010

Active Listings 1101 1092 1054Previous Year Active Listings 1095 1086 1074

Sold Listings 169 111 102

Median Sales Price $234,000 $238,000 $192,000Previous Year Median $207,500 $208,000 $222,500

Average Days on the Market 132 130 113Previous Year ADOM 121 122 121

Year to Date Listings Sold 728 839 941Previous Year YTD Listing Sold 579 760 887

Monthly Volume $47,395,158 $32,486,983 $25,128,272Previous Year Monthly Volume $34,313,560 $44,166,425 $32,956,535

Home & Real Estateis produced everySaturday by theLoveland Daily

Reporter-Herald.

EDITORIALI N F O R M AT I O N

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43-320660

sfuller@amfam.com • 593-5620

Stacia A. Fuller Agency10th & Lincoln, Loveland

Haven’t talked to your agent in a while? We can change that!

43-3

2098

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4332

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43-3

2098

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ABSOLUTE AUCTION(by order of Bankruptcy Court)

Friday, Nov. 12, 2010 • 11 A.M.Building Contents Auction will follow at 11:30 A.M.

5.03 Acre Site • Improvements consist of 7 Stucco Buildings with a total of 85,357 sq. ft. including: 179 Dorm Rooms 3 Dining Halls Central Kitchen 4 Conference Rooms 5 Day Rooms, 22 Offices Shop Facilities

1750 6th Avenue, Greeley, CO

Mineral rights now owned with this property will be sold separately. High bidder will be required to submit a $5,000.00 earnest money deposit with signed contract and close prior to December 13, 2010.Building Contents Auction at 11:30 a.m. – Desks, Credenzas, Bookcases, File Cabinets, Office Equipment, Tables, Lockers, Wooden Pews, 100’s of Steel Beds, Cafeteria Tables, Kitchen Appliances and Much More! See our website for listing or call for brochure.

Auctioneers & Real Estate

970-356-3943 www.K-Wauctions.com

OPEN HOUSE: Friday, Oct. 29th from 1 to 3Friday, Nov. 5th – 2 to 4 p.m.

Opportunities for this property are as endless as your imagination! Formerly The Villa Assisted Living and

adjacent to the UNC athletic fields.Terms & Conditions: Sells ABSOLUTE to the Highest bidder for Cash with no contingencies for financing. Earnest money of $25,000.00 due auction day, balance upon date of closing no later than December 13, 2010. Packets with disclosures, maps and other pertinent information may be obtained from Kreps-Wiedeman (970) 356-3943 or Wheeler Management Group (970) 352-5860. See our web site for photos @ www.K-Wauctions.com.

43-318574

505 E. 4th St Loveland 970.203.0284

www.familymtgco.comwww.familymtgco.comA+ Rating+ Rating+ Ratingg

Rates near all time lows

Call Today!

LMB100008492LMB100008492Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htmCheck the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm

John John “Nose”“Nose”Mortgages!Mortgages!

Your Local Family Mortgage Company.Here yesterday, today and tomorrow.

44-3

2048

2

Saturday Reporter-Herald Oc tober 23, 2010 E3

Mark KoentoppMeet

H& Realtor of the WeekRE

BROKER ASSOCIATE, RE/MAX ALLIANCE

L ocation: 705 W. Eisenhower Blvd., Loveland

Contact: 970-218-5183, mkoentopp@re-max.net or www.homesincolorado.com

Designations, Affiliations & Accolades:LBAR Rookie of the Year 2004, LBAR member,Colorado Association of Realtors member, an-nual contributor to Realtor for Kids, UnitedWay and PSF.

Years of experience: 7

Mark Koentopp has been in the real es-tate business since 2003 and has re-cently joined RE/MAX Alliance in

Loveland. Koentopp is excited to be workingwith a group that has over 20 offices up anddown the Front Range. Koentopp feels that byjoining RE/MAX, as a top franchise in thecountry, he is given the opportunity to joinforces with some of the top Realtors through-out the United States. Koentopp is also lookingforward to having access to a large referral net-work for buyers moving into the area, and the

many programsand marketingmaterials avail-able to assisthim in helpinghis clients in selltheir home.

Koentopp hasbeen a resident of the Loveland area for almost40 years and feels that this helps him serve hisclients in a multitude of ways. Koentopp’s will-ingness to listen to his clients’ needs in bothselling and buying, he feels, helps his clientsachieve the best possible end results. Koen-topp’s overall mission for his business is tohave fun helping people follow their real estatedreams.

Koentopp is married to his best friend,Alana. They have a miniature Schnauzer,named Shelby, that goes everywhere withthem. Koentopp and his wife enjoy spendingtime with family, camping and all forms of mo-tor sports. Their favorite travel destinations in-clude Mexico and the Caribbean.

Albers electedCAR vice president

H& Real EstateRE

RE P O RT E R -HERALD

Kurt Albers, a broker associ-ate with Century 21,Humpal, Inc. in Loveland,

was recently elected the North-east District Vice President forthe Colorado Association of Real-tors. CAR is an organization ofRealtors that is focused on pro-viding support to the real estateindustr y.

Albers will serve a one-yearterm, his first with the CAR orga-nization, and said his efforts willbe spent on supporting afford-able housing, maintaining mem-bership within CAR, helping withbudgeting amid decreasing mem-bership rates and providing CARRealtors with support.

“We protect the rights of theRealtors that we have and makesure that we allow them to con-

tinue doingbusiness,”he said.

“As Real-tors, wehave a codeof ethicsand weabide by it,” he said. “That is veryimportant to us.”

One entity of CAR that Alberswill be working toward is calledthe Housing Opportunity Foun-dation (CARHOF), which pro-vides funds toward safe, afford-able housing to the citizens ofColorado. CARHOF funding hasrecently been given to localorganizations such as the Hous-ing Authority of the City of Love-land.

For more information, contactAlbers at 970-231-1224 or e-mailku r t d 5 7 @ m s n . c o m .

Kurt Albers

287

56

2521

New Homes Priced in the Mid 200’s in Desirable Seven Lakes Area5 Piece Master Baths, Walk-in Closets, Air Conditioning, 3 Car Garages,

Unfi nished Basement, Lake Rights4 Ranch Plans and a 2 Story with Main Floor Master to choose from

le Seven Lakes Areationing 3 Car Garages

E 29th St.

N. M

adis

on A

v.

US

287

E 37th St.

Seven Lakes Dr.

43-3

2058

0

D.E. BURNS CONSTRUCTIONQuality • Integrity • Experience • Reputation

970.669.8386

OPEN HOUSE SAT. & SUN. 1PM-4PM

2

NEW NORTHERNNEW NORTHERNCOLORADO HOMESCOLORADO HOMES

OPEN SAT & SUN 12-5

4496 Hayler Avenue, Loveland4403 Elliot Place, Loveland

970-532-5900(*w/ qualifying special financing)

FROM THE $140’S* TO $350’SEnchantment Ridge

43-3

1867

4

• 5 piece baths• 4 car garages

• Privacy fencing• Ranch / 2-Stories

• Energy Savings Guaranteed

NW Corner of Wilson & 43rd St.

1

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FROM THE $200’s TO THE $500’s

OPEN SATURDAY 10-5AVAILABLE NOW!The look of a $400,000

home in the $200’sFantastic views of Longs Peak & Mt.

Meeker from the 24 x 12 covered back patio, granite countertops, wood &

tile fl oors, A/C, gas fi replace, 2 baths including 5 piece master, 3 bedrooms and unfi nished basement - $298,6644355 Ridgway Drive, Loveland

970-227-3893

43-3186613

3

Open Houses This Weekend - www.thegroupinc.com

SATURDAY/SUNDAY 12:00 - 5:00 SATURDAY/SUNDAY 1:00 - 3:00811 Brookedge Drive, Fort Collins - New pa�o home floorplan! This home has 2 bedrooms plus a den and 2 full baths. 3-car garage, a/c, fp, large kitchen island, all appliances incl’d. Front & rear landscaping, rear yard fencing and covered back pa�o. HOA includes lawn maint, snow & trash removal.

1529 Dryland Street, Loveland - Brand new ranch style floor plan being built at Ta� Farms by Keirns Construc�on! Buyer can choose their own colors and finishes!. Several other plans and lots to choose from! Call for details.

SATURDAY 1:00 - 3:001049 Grant Avenue, Loveland - Wonderful old town ranch w/ 4 bd, 2 ba, & patrial basement. Oversized double garage on a beau�ful corner 1/3 acre lot with 1,000 SF deck between house & garage. New carpet, paint & vinyl. Only a blk from park & lake Loveland. See this charmer today!

SATURDAY 1:00 - 3:00672 Split Rock Drive, Loveland - Spectacular lake views and private lake rights. Home features an open floor plan with a large main floor master suite and spa like bathroom. Finished walk out basement is gorgeous with a large rec room and spacious bedroom and bathroom. Home Owners Associa�on manages all yard work and snow removal.

Call The Brent Team556-5305

$380,000MLS#613863

SUNDAY 1:00 - 3:00475 Lyra Place, Loveland - Luxurious owners’ suite with 5-piece bath & large walk-in closet. 2 a/c units. Vaulted ceilings, transom windows & decora�ve pillars in this sharp 2 story. Alder cabinets in the spacious kitchen. Large yard has sprinkler system. Unfinished basement. Oversized 2 car garage. Enjoy the neighborhood pool, trails & clubhouse.

Call Jo Carney310-1836

$229,900MLS#632261

Call Rich Gardiner227-0964

$180,000MLS#641581

Call Ma� Thompson443-9910

$291,227MLS#639144

Call Stephanie Kirkland679-8084

$299,900MLS#624979

SATURDAY/SUNDAY 1:00 - 3:002472 Anemonie Court, Loveland - You’ll love this contemporary open flr plan on a cul-de-sac. 4bdrm, 3bth & 2-c garage. New carpet, front porch, covered pa�o, �le entry & gas log FP. Master bdrm offers 3/4 bth, walk-in closet & sliding door to the pa�o. A/C, sprinkler system. Quiet neighborhood incl a park, walking path & a low HOA fee.

Call Diana Luthi481-2692

$211,000MLS#632438

SATURDAY 12:00 - 2:00459 Cape Dory Drive, Loveland - Overlooks Boedecker Lake. 2 covered decks. Hickory floors on the main level, hickory cabinets, new SS appliances, slab granite counter tops, formal dining room & the kitchen opens to the vaulted family room w/numerous windows & atrium door. Lo� makes an ideal office/play room. Daylight basement w/a full bath in progress.

Call Cindy Ku�n391-4735

$419,900MLS#634847

SATURDAY 1:00 - 3:00530 Deer Meadow Drive, Loveland - Quality custom from Aus�n Signature Homes. Enjoy the final opportunity for a lifestyle on Mariana Bu�e Golf Course! Golf course lifestyle with no membership fees. Peaceful, quiet se�ng with tranquil views that overlook golf course, water and the front range. Robert Walkowicz 377-4945.

Call Nancy Walkowicz461-7136

$899,000MLS#586010

MARIANA BUTTE GOLF COURSE

FRIDAY-SUNDAY 1:00 - 4:00255 Carina Circle #104, Loveland - Granite counters, SS appl, wood flrs, vaulted ceilings, fireplace & full bsmnts. They are going fast! HOA covers water, sewer, trash, exterior maintenance & insurance, landscape & snow removal, cable, clubhouse, pool & hot tub.

Call Georgena Arne�481-9801

Priced From $151,000MLS#624039

THESE UNITS ARE LOADED! LARGE CORNER LOT

43-320602

Saturday Reporter-Herald Oc tober 23, 2010 E4

GlinkFrom Page E-1

Fort Collins holdsLandlord Education

Series

But his appraisal problems are about toget worse. As he explained: “My neighbor,who bought his home in 2006 for$170,000 has decided to stop paying hismortgage because his house is now a liabil-ity instead of an investment. His house isnow appraised for $104,000. If the bankforecloses on him, that will make my prop-erty value go down even more.”

My reader wants to move, but he can’tget any equity out of his property becausethe appraisal is so low and local propertyvalues keep dropping. He earns a good liv-ing and has a credit score of 780. He want-ed to know what he could do to improvehis refinancing odds and beat the appraisala l b a t ro s s .

The problem is that you usually can’t

beat a bad appraisal. You can ask thelender to reappraise your property, but ifyou live in a neighborhood full of foreclo-sures and strategic defaults, it is going todrive down the value of your home — andof all of the homes in the neighborhood.

The loan deal my correspondent was of-fered is a bad one all around: The lender isoffering to replace two 15-year loans with anew 30-year loan. The interest rate, while abit lower than what the homeowner is cur-rently paying, is significantly higher thanthe 4.2 percent many homeowners withhigh credit scores and ample equity aregetting.

The only reason to take this deal is be-cause you simply can’t afford the two loanpayments you have. But over the term of anew 30-year loan, you’ll pay tens of thou-sands of dollars in additional interest overkeeping the two loans that you have. Pay-ing private mortgage insurance might evenmitigate any savings you’d have, so thisnew loan could be all pain and no gain.

Unfortunately, there’s not much I can sayin a situation where a neighbor is consider-ing strategic default. For all the grumblingabout how we’re “bailing out homeown-ers,” I’d think that every homeowner whodoesn’t want to see his or her equity disap-pear should welcome every opportunity tokeep homeowners in their properties, pay-ing their mortgages.

The appraisal problem will continue forsome time to come. The Home ValuationCode of Conduct (HVCC) rules, which gov-ern what appraisers can and cannot dowhen appraising property, have recentlybeen rewritten. Many of the details are yetto be known, but hopefully the new ruleswill make appraisals friendlier to homeown-ers located in communities with a largenumber of foreclosures or strategic de-faults.

If this is happening in your community,you can help out by being neighborly andencouraging homeowners to feel that theneighborhood still brings value to every

family that lives there. Maybe you can helpyour neighbor try for a loan modification,or perhaps the homeowner will be able toarrange a short sale. Either option is betterfor the rest of the neighborhood than an-other strategic default or foreclosure.

As values decline, more borrowers thatcan walk from their mortgages may do so.We can only hope that lenders see this situ-ation as a downward spiral and work withas many borrowers as possible to keepthem in their homes and keep neighbor-hoods vibrant with at least stable pricing.

That will certainly help the so-called ap-praisal problem.

Unfortunately, it seems that lendersthese days aren’t very willing to work withborrowers on their home loan modifica-tions. Some lenders are making short salesdifficult for their borrowers. And lenders asa group appear willing to continue with await and see attitude while the housingmarket continues to slide or bounce alongthe bottom.

JENNIFER LEHMANSPECIAL SECTIONS RE P O RT E R

The City of Fort CollinsNeighborhood Serviceswill be holding a Land-

lord Education Series thisNovember. The two-day eight-hour class is designed to helplandlords operate successfullywithin the complex and ever-changing Northern Coloradorental market, said the city ina press release.

The City of Fort Collins be-gan offering the series twice ayear beginning in Novemberof 2006 after the city saw aneed for it and landownerswere consistently interestedand available, said GinnySawyer, Neighborhood Ad-m i n i s t r a t o r.

Topics covered in the up-coming series include presen-tations from a property man-ager, various attorneys dis-cussing fair housing, the evic-tion process, leasing prac-tices; city staff on buildingcodes and a brief section oncrime prevention and safeproperties, Sawyer said.

The series is a good placefor landlords to share storiesand ideas on dealing with dif-ferent issues that come up inthe industry.

Participants can earn eightReal Estate Continuing Edu-cation credits.

H& Real EstateRE

Small projects add up to big appealMETRO CR E AT I V E SE RV I C E S

In this economy, homeowners are watching ev-ery penny. Just because money is tight doesn'tmean every renovation plan has to be cast

aside. Smaller projects can revitalize a room with-out a big investment.

Homeowners who don't have much to spend stilldon't want to compromise quality with smaller im-provements. Therefore, they're often thinking ofbig appeal, albeit on a smaller scale.

To get started, homeowners should look at therooms they use the most and begin there. What'sthe point of starting in a guest room or renovatingthe basement if it's rarely used? Put available fundsto work on the rooms that get seen.

For example, the kitchen is a popular room inmany homes. If budget doesn't allow for a rehaul ofappliances or cabinetry, think about less expensiveways to modify the space. A new faucet can give theroom a different look, as can replacing cabinethardware and hinges. Revitalize the appearance ofthe room with new flooring, such as laminate thatmimics the look of stone, wood or other naturalsurfaces. Change the accessories in a china hutchor hang some different artwork for an instantchange.

Bathroom makeovers are often high on the list ofimprovements. But many improvements can bebudget-busters. Think about improvements thatchange what is disliked. Maybe outdated wallpapercan be removed and replaced with paint. Clean upthe grout around a bathtub by redoing to freshenthe room. Go with a new color scheme achieved byreplacing the old linens, bath mat and shower cur-tain.

Living room re-dos can be achieved with some ac-cessory changes and perhaps a new piece of furni-ture. Change a glass coffee table for an earthyleather ottoman that can also store toys or throwpillows. A simple swap of window treatments candramatically change the look of the room. If seat-

ing has seen better days -— but a new set is not anoption -— form-fitted slipcovers are a quick, andgenerally low-cost, fix.

Kids' rooms often can be improved with somemuch-needed storage space. Clear up clutter fromthe floor by installing a closet organizing system,which can hang clothes within reach for children.Older children may appreciate a room that reflectstheir maturity. Now is the time to change princessprints for bolder graphics or dump trucks for so-phistication. All it often takes is a little paint andsome new bed linens to achieve the look.

For a dramatic change in a home with hardwoodfloors being hidden by carpeting, take the weekendto pull up the carpeting and reveal the floors be-neath. A little sanding and resealing is often all ittakes to bring out the beauty of the wood. And thatwill instantly provide value while increasing aes-thetic appeal.

Another simple and very inexpensive way to reno-vate a home is to reduce. By removing clutter anditems that are simply collecting dust, homeownerscan breathe new life into spaces. Rearranging fur-niture is also another option.

ThinkStock Photo

IF YOU GO

What: Landlord EducationSeries

When: The class will takeplace on Friday, November 5,8:30 a.m.– 12:30 p.m. andFriday, November 12, 8:30a.m.– 12:30 p.m. This is atwo-part training. Attendeesshould plan to attend bothdays.

W h e re : 281 North CollegeAve., Fort Collins

Cost: $20, confirmationwill be sent after paymenthas been received.

For more information:www.fcgov.com/neighbor -hoodservices/ or reach GinnySawyer at 970-224-6070

43-318366

Lots of square footage in this 4Bd, 2Ba home. 2 car garage. Needs a little TLC, near schools, park and bus line. Great backyard patio. Playhouse and shed stay.MLS# 641407 $179,900

927 Buffalo Ct, Longmont

OPEN HOUSE SUN 11AM-1PM

Marta LoachaminCentury 21 Humpal, Inc.marta@century21.com720-323-5089

Kurt Albers Century 21 Humpal, Inc.970-231-1224kurtd57@msn.comwww.allcoloradohomes.com

Mountain Range Shadows. Move-in ready, 4 bed, 3 ba, tri-level with walk-out basement. Newly painted and cleaned for quick close. MLS# 637552 $164,000

8313 Peakview Street, Fort Collins

OPEN HOUSE SAT & SUN 11AM-2PM

Vintage 2-story Victorian built in 1906! 4BD, 2BA, 3284sf plus 1115sf attic w/ high ceilings & turret for extra living space. House sits on .57acres. Excellent commercial potential!

500 1st St-Berthoud

PRICE REDUCED TO $277,500

Marian Maggi970-290-0908marian@berthoudrealestate.com www.berthoudrealestate.com

Jim ChanceThe Group, Inc. Real Estate970-388-4261jchance@thegroupinc.com www.thegroupinc.com/3402

Updated Ranch w/attached 3-car garage! 3bd, 2ba, new tile, carpet, paint & fresh new feel. Master bdrm has 3/4 bath. Covered east side patio. RV/boat parking. No HOA dues! MLS #640718. $195,000.

3402 Red Maple Court

LARGE CORNER LOT ON CUL-DE-SAC!

3 bed/3 bath home on a beautifully landscaped corner lot! Newer stainless steel appl., roof & paint. Hot tub room & sunroom. Large family room and oversized garage. MLS#634133 $214,900

4629 N Franklin Avenue

PRICE REDUCED!

Steve BakerSears Real Estate970-302-0879/970-330-7700stevebakerrealestate.com

2 bedroom, 2 bath ranch in lovely senior community. Model home with many extras! All stainless steel appliances included. $280K Madison & Finch St., look for fl ags! Offi ce open wkdays 8-5.

Mirasol Senior Community1294 Inca Dove Cir. - Loveland

OPEN HOUSE SAT. 2 TO 5

Mirasol Senior CommunityMirasol Sales Team970-635-5931airwi@lovelandhsg.orgwww.mirasolseniorcommunity.com

Custom-built 3410sf, 3BD, 3BA stone & cedar 2-story home on a .24 acre landscaped lot that backs to Roberts Lake! Huge master suite w/sitting area & bath! Views of the lake from the huge sunroom!

920 Bunyan Ave-Berthoud

PRICE REDUCED-$289,000

Marian Maggi970-290-0908marian@berthoudrealestate.com www.berthoudrealestate.com

Kurt Albers Century 21 Humpal, Inc.970-231-1224kurtd57@msn.comwww.allcoloradohomes.com

OPEN Saturday and Sunday 11AM-2PM.2+Acre Lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boatdocks, fi shing and peace garden.

Warberg Farm at Chapman Reservoir

OPEN - SAT & SUN 11AM-2PM

Dominic EastTimberline Partners, Inc970-412-7743DominicE@TimberlinePartnersInc.comwww.TimberlinePartnersInc.com

Location, Location, Location! All brick ranch, fi replace, 4 bed/3 bath, great fenced yard, oversized garage. RV/Boat parking, quick closing ok. Visit www.1813delnorte.com

1813 Del Norte

OPEN SATURDAY 1-3

Dominic EastTimberline Partners, Inc970-412-7743DominicE@TimberlinePartnersInc.comwww.TimberlinePartnersInc.com

Enjoy 4 bedrooms + den/5th bedroom, open living room, formal dining, kitchen with pantry and breakfast area. Finished basement w/large 4th bedroom, great landscaping, patio, 3-car garage.

1125 Sandra

OPEN SATURDAY 1-3

Stunning 5836sf, 4BD, 5BA 2-story home on 4.42 acres. Finest fi nishes throughout, gourmet kitchen, walk-out bsmt, private guest suite & much more! Beautiful patios, balconies & decks w/gorgeous views.

1610 Celeste Ln.-Loveland

PRICE REDUCED-$529,000

Gary Maggi970-692-2002gary@berthoudrealestate.com www.berthoudrealestate.com

Immaculate ranch w/fi nished walkout to Boedecker Lake. Gourmet kitchen w/Thermador appl & Sub-Zero fridge, lg granite slab island. Main fl oor living, 3-car garage, new Trex deck. MLS#6406

604 Cove Drive

OPEN SUNDAY 1:00-4:00 PM

Nancy BaxterPrudential Rocky Mountain, REALTORS970-231-7700,Nancy@NancyBaxter.com www.nancybaxter.com

Lake views! 4Bd, 4Ba Remodeled kitchen.Appliances included. Oak Floors on main level. Lake access, pool and tennis courts included in HOA. MLS#639575 $327,000

531 Spindrift Ct, Fort Collins

OPEN HOUSE SATURDAY 1PM-3PM

Marta LoachaminCentury 21 Humpal, Inc.marta@century21.com720-323-5089

FEATURED PROPERTIES - UP TO $199,999FEATURED PROPERTIES - UP TO $199,999

LAND FOR SALELAND FOR SALE$300,000 - $399,000$300,000 - $399,000 $400,000 - $499,000$400,000 - $499,000 $500,000 +$500,000 +

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

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

FOR SALE

Time to GetYour Own Place?

Begin your search athomeandrealtyguide.com - your online and print real

estate source.

3 BD, 2 BA Ranch, new kit cab and hardwood fl rs. Unfi n bsmt, big bach yard, spklrs, privacy fence.$210,000

Visit ourwebsite at

Online + Print =a Powerful

Combination!

homeandrealtyguide.com

Saturday Reporter-Herald Oc tober 23, 2010 E5

The Lander is a midsizecontemporary home witha window-bright cluster of

large, open gathering spaces fill-ing the entire left side. Designedfor construction on land thatslopes to the rear, this single-lev-el plan can easily be adapted forconstruction on a flat lot as well.

Entering, you step into a vault-ed entry which opens into avaulted dining room and livingroom. A wide bay window ex-pands the sense of spaciousnessin the dining room, while morewindows and a glass door offerviews of the landscape behindthe house.

No matter where you are inthe kitchen, you can keep tabson activities inside and out. Cor-ner windows in front of the sinkallow you to look out over thestreet. Working at the countersor range, you can observe andinteract with family or friends inthe dining room or living room.The eating bar also serves tokeep folks who just want to chatout of the way of the cooks.

The Lander's dining room hasa built-in hutch and buffet.

In the living room, a direct-ventgas fireplace provides warmthand color. Alternately, the homecould be built with a fireplacethat burns wood and has achimney. Bookcases are on oneside and a home entertainmentcenter is on the other. If a homeoffice is needed, the front bed-room is an excellent location.

Owners' suite amenities in-clude a deep walk-in closet and aprivate bathroom with a doublevanity. Laundry appliances arenearby in a utility room outfittedwith plenty of cupboard space,shelves and a handy counter forfolding clothes and linens.

For a review plan, includingscaled floor plans, elevations,section and artist's conception,send $25 to Associated Designs,1100 Jacobs Dr., Eugene, OR97402. Please specify the Lander30-225 and include a return ad-dress when ordering. A catalogfeaturing more than 550 homeplans is available for $15. Formore information call (800) 634-0123, or visit our website atw w w. A s s o c i a t e d D e s i g n s . c o m .

The Lander offers gatheringspaces and lots of light

H& Featured Home PlanRE

Midsizecontemporar y

home

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

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

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

WWW.HOMEANDREALTYGUIDE.COM•CLICK ON OPEN HOUSE MAPS

43-3

2076

4

saturday sundayPRICE LOCATION ADDRESS HRS OFFICE PHONE

140’S-220’S SE LOVELAND BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 ON N BOISE AVE., 1899 E. 11TH 10-6 MIDTOWN HOMES 970-456-4600

$149,900* NW LOVELAND 43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 970-532-5900

$151,000 SE LOVELAND 255 CARINA CIRCLE #104 1-4 THE GROUP, INC. 970-481-9801

$169,900* NW LOVELAND 4403 ELLIOT PL 12-5 THE COTTAGE REALTY 970-532-5900

$180,000 SW LOVELAND 1049 GRANT AVE 1-3 THE GROUP, INC. 970-227-0964

$209,900 NW LOVELAND 1813 DEL NORTE 1-3 TIMBERLINE PARTNERS, INC 970-412-7743

$211,000 SW LOVELAND 2472 ANEMONIE CT 1-3 THE GROUP, INC. 970-481-2692

$227,900 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 970-532-5900

$240,000 JOHNSTOWN-MILLIKEN 1125 SANDRA DR 1-3 TIMBERLINE

PARTNERS, INC 970-412-7743

STARTING AT THE $250’S NE LOVELAND 1563 LA JARA ST./LAKES POINT 1-4 BURNS

CONSTRUCTION 970-669-8386

$280,000 SE LOVELAND 1294 INCA DOVE CIR 2-5 MIRASOL MARKETING GROUP 970-635-5931

$291,227 FORT COLLINS 811 BROOKEDGE DR 12-5 THE GROUP, INC. 970-443-9910

$298,664 NW LOVELAND 4355 RIDGWAY DR 2-5 THE COTTAGE REALTY 970-532-5900

$299,900 NW LOVELAND 1529 DRYLAND ST 1-3 THE GROUP, INC. 970-679-8084

$342,500 SW LOVELAND¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4 GLEN MARKETING TEAM, ERA 970-663-4522

$379,000 BERTHOUD 1705 EXETER 1-4 COLDWELL BANKER 970-667-2707

$389,750 SW LOVELAND 975 PRISM CACTUS CIRCLE 12-4 GLEN MARKETING TEAM, ERA 970-663-4522

$409,900 NW LOVELAND 1580 TENNESSEE ST 1-4 RE/MAX ALLIANCE 970-217-4112

$410,000 SW LOVELAND 672 SPLIT ROCK DR 1-3 THE GROUP, INC. 970-556-5305

$419,900 SW LOVELAND 459 CAPE DORY DR 12-2 THE GROUP, INC. 970-391-4735

$899,000 SW LOVELAND 530 DEER MEADOW DR 1-3 THE GROUP, INC. 970-461-7136

PRICE LOCATION ADDRESS HRS OFFICE PHONE

140’S-220’S SE LOVELAND BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 ON N BOISE AVE., 1899 E. 11TH 10-6 MIDTOWN HOMES 970-456-4600

$149,900* NW LOVELAND 43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 970-532-5900

$151,000 SE LOVELAND 255 CARINA CIRCLE #104 1-4 THE GROUP, INC. 970-481-9801

$169,900* NW LOVELAND 4403 ELLIOT PLACE 12-5 THE COTTAGE REALTY 970-532-5900

$211,000 SW LOVELAND 2472 ANEMONIE CT 1-3 THE GROUP, INC. 970-481-2692

$227,900 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 970-532-5900

$229,900 SE LOVELAND 475 LYRA PLACE 1-3 THE GROUP, INC. 970-310-1836

$239,900 SE LOVELAND 1212 E 7TH ST 12-2 THE GROUP, INC. 970-481-9340

STARTING AT THE $250’S NE LOVELAND 1563 LA JARA ST./LAKES POINT 1-4 BURNS CONSTRUCTION970-669-8386

$291,227 FORT COLLINS 811 BROOKEDGE DR 12-5 THE GROUP, INC. 970-443-9910

$299,900 NW LOVELAND 1529 DRYLAND ST 1-3 THE GROUP, INC. 970-679-8084

$342,500 SW LOVELAND¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4 GLEN MARKETING 970-663-4522

$389,750 SW LOVELAND 975 PRISM CACTUS CIRCLE 12-4 GLEN MARKETING TEAM, ERA 970-663-4522

Saturday Reporter-Herald Oc tober 23, 2010 E6

H& Front Range GardeningRE

Ghoulish

✭ 2 BDRM Mobile home,$550, rent includes utils.Estate Builder 970-667-3400

3 BED IN North LovelandUpstairs unit in 4-plex 1.5baths Washer/Dryer hook-ups, off street parking. $675+ deposit. No pets. CallGeorgia - Kosmos R.E.

970-667-8347

2 BDRM, 909 W 5th, gar$630/mo + dep.No pets/smoke.

RENTED IN ONE DAY!

2 BDRM, $650 + elec,free heat & basic cable,clean, pantry. No pets.Coin-op. 970-663-6787 or

970-430-0859

2 BDRM- 2288 Colorado$595. New carpet/paint.Call rmpm.com 669-0842

2 BDRM 1 BATH, new win-dows, D/W, ONLY $595.

Call 970-226-5600FTCRENT.com

2 BDRM, 1 bath, heat,water & sewer paid. Newcarpet. No smoke/pets.$600, (970)667-0365

2 BDRM, 1 BA, lg kitchen,lndry on site, water/sewer/ trash paid.

1125 Gard Pl #1 $575/mo,Faith Property 970-377-1626

2 BDRM, 1 BA, bsmt apt,hkups, 1705 1/2 E 8th St,$725/mo Faith Property

970-377-1626

2 BDRM- 1716 E. 16th, $525/mo. 2-story, large rooms.Call rmpm.com 669-0842

2 BDRM, 1.5 ba, hkups,$800/mo, wtr/sewer pd.

1842 E 17th St,Faith Property 970-377-1626

1 BDRM @ 755 N. Monroe-$495/mo, utils pd. No smk/pets. $475/dep. 970-667-3353

1 BDRM, 558 W. 10th,$495/mo. end unit, NICE!Call rmpm.com 669-0842

Apartments/Unfurnished 4030

Kitchenettes. Weekly,monthly rates. Util. pd.Satellite TV, laundry rm.

970-663-0400

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

Call 970-391-0834

Apartments/Furnished 4010

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

3 BDRM, 2 ba, gar,W/Dhkps, $700. No pets/smk. 2Birkley Ct Lvld 970-667-3353

2 BDRM- 410 22nd, $795.Unf bsmt, 1 car, newer crptCall rmpm.com 669-0842

2 BDRM, 1 ba, frplc, A/C,w/1 car attached garage.$700/mo + dep. Availableimmed. (970)231-4585

2 BDRM/1 ba, DW, air,W/D hookups. Incl lawncare, water, sewer. NearMcKee. VERY NICE!N/Pets. $800, 970-461-0075

2 BDRM- 1305.5 E. 16th$795/mo, fin bsmt, 1 carCall rmpm.com 669-0842

Duplexes 4060

Luxury 2 bdrm, 2 bath,A/C, gar, den, W/D avail,greenbelt view. $895/mo.

970-686-2728

2 BDRM- 4715 Hahns Peak,$895/mo. NICE!

Call rmpm.com 669-0842

Condos/Townhouses 4050

3000 SF SHOP, office, 2 ba,3 lg doors, 2 hoists, lots ofprkg, $1750/mo, 339 8th SE,Loveland . 970-308-1775

CommercialIndustrial 4040

Lrg 2 BDRM, no pets. $575/mo, wtr/sewer pd. 1717 NCheyenne Ave. #19 & #12.Faith Property 970-377-1626

$595- 2306 S. Colorado #D.2 bdrm,1.5 bath 4-plex,W/Dhkups,quiet. 720-936-1854.

LUXURIOUS UPSCALEAPARTMENTSSTUDIO, 1, 2, & 3

BEDROOMS- Pool, hot tub,24 hr. fitness center,business center, coffeeshop, salon, pizza & deli.OPEN HOUSE, Mon-Fri9am-6pm, Sat. 10am-5pm.325 E. 5th St., Loveland.

1-888-822-9346

3 BD or 2 BD- Free rent!Pets nego. Quiet & spac.$645-$795. 970-223-1349

Foothills AptsFALL MOVE-INSPECIALS

2 Bdrm Apartment Homes● Includes Washer & Dryer

● Park-Like Setting● Garages Available

1913 W. 15th St.970-669-7850 - Sorry no pets

Apartments/Unfurnished 4030

3 BDRM, w/bsmt, A/C,new carpet in West Lvld.$1000/mo. w/12 monthlease & sec dep. Pets on

appr. (970)685-8573

3 BDRM, 2 BA, 2 car gar,hot tub, unfin bsmt, newer

home, SW Loveland.$1350+dep. 970-987-2632

3 BDRM- 1143 SE 2nd, $895.✓ 1/2 MONTH FREECall rmpm.com 669-0842

2 BDRM with bsmt, 2 cargar, W/D hookup.

5 Namaqua Ct. $1000/mo.No cat/smoker. 970-667-3353

2 BDRM Farm House,1 BA, ofc, fncd. $850/mo +utils/dep. Lvld, 720-641-9775

1111 Taft AveLarge home 1.75 ba, full fin

bsmt, 1 car gar. $975Estate Builder 970-667-3400

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

Warehouse 2304 sf, 12´ o-head dr. 634 Railroad. $700/mo 970-667-9983 or 290-3876

STORAGE 20 x 40with 14´ overhead door.

$325/mo. Call (970)481-5899

COMMERCIAL SHOP-$795/mo. 1600 Sq Ft.

rmpm.com. 970-669-0842

1 CAR GARAGE- $95/mo.Great for storage.

rmpm.com. 970-669-0842

Garages/StorageSpaces 4070

COUNTRY duplex, 2bdrm, 1 ba, animalsOK, on CR 13. $850 incutils.RENTED IN 2 DAYS!

Duplexes 4060

Share house in Loveland.M/F 30 yrs+, $700 inc utils.N/P, smk OK. (970)461-1405

OWN bdrm & bath, sharehouse, smoking & pet OK.$400/mo. (970)635-2703

RoommatesWanted 4120

Downtown corner loc, bldgw/ 3 ofcs/recept area. 4 carprkg. $1000/mo 970-667-5145

Office Space 4100

NEW HOMES REDUCED!Don´t miss out on this

SAVINGS EVENT! Easyapproval, quick closings &affordable payments.

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

✭ 2 BEDROOM HOMES ✭$575 to $650 + dep.

West Hwy 34. Pets nego.Se Habla Espanol

970-685-8573

Mobile Homes/Spaces 4090

✔✔✔✔To ensure you receive

the best response to youradvertisement, pleasecheck your ad the first

day of publication.We regret we cannot be

responsible for morethan one day´s incorrect

insertion. Billinginquiries can be

initiated within 30 daysof ad expiration.

OWN your own home forwhat you pay in Rent!

Lowest rates,$0 - $1000 Down

Free Prequalification.Western Plains Realty

Ken or Tammy970-663-5008

N.W. Loveland-Patio Homein Harvest Gold subdivision

3 bedrooms, 2 baths,central air, fireplace& 2 car garage.

Clean & in excellentcondition. Quiet location,full unfinished basementfor storage. Snow shovelingand mowing included inHOA dues paid by owner.No pets/ smoking. $1,300per month. Available now.970-667-7224 or 307-262-7235

Berthoud Patio Home withupgrades, fully furnished, 2bdrm, 2 1/2 ba, 2 car gar,W/D, A/C, N/P, N/S,$1,100/mo + $1,100 deposit.Call 303-776-0333 or e-mailto ttherapyctr@aol.com.

$99 MOVE IN SPECIAL3 bdrm, 1.5 ba, located inMilliken. $995, 970-310-3855

$950/mo + dep & HOA fee2 bdrm/2 ba patio home, 2car gar, no pets, 311 Vic-toria, Berthoud 970-532-2652

Houses 4080

411 E 12 ST ✭ MLS 637797$124,900, ranch 3 bed,2 bath, 1067sqft,

24x16 workshop. Call Rob(970) 481-2133

At Home Real Estate Co

NEW 4 car ranch, 5 pcbath, 3 bdrm, 2 ba, A/C,frpl, stone ext. $268,450

Cottage Realty 970-532-5900

BANK OWNED-Tri-Lvl, 3 bdrm, 3 bath w/bsmt. New floor coverings,int paint & appliances.$174,900. Re/Max Alliance,Wanda Quaid, 970-481-3033

Loveland 5110

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

Lots &Tracts 5100

Exceptional property forliving, business or both.1268 N. Cleveland Ave.Call (970)420-3495

Commercial 5030

Responsible older maleneeds small farmhouse torent w/ facilities for 2 mini.donkeys. Mike 303-746-7028

WantedTo Rent 4170

Hair Salon Booth Rentals& office spaces, utilitiesincluded. 970-613-1477

Fully Furnished Hair Salon& office spaces, utilities

included. 970-613-1477

Retail Space 4135

Large furn room inc utils,phone, cable TV, kitchen,lndry. $380/mo. 970-622-0077

Fully furnished largerooms in Lvld. Laundry,A/C, cable, all util. incl.$325/mo. (970)227-1585

RoomsFor Rent 4130

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Eagles ExtraOnline

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

$275K SSWestern Plains Realty

Ken or Tammy(970)663-5008

Rural 5180

3 Bedroom, 1 3/4 baths,55+, carport, 2 storagesheds, immaculate inside &out, drive by 221 W. 57th,Lot A-9. 303-682-1919.

14´X70´ in adult park,very good condition, 3bedroom, 2 bath, hottub, appliances. Asking$33,500. 1351 SylmarPark. 970-667-5868.

✭ MOBILE HOMES ✭BUYING/SELLING

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

970-222-1473✭ 690-2725 or 690-3283 ✭

Mobile/ManufacturedHomes/Spaces 5130

NEWAt Foreclosed PricesBoise Village NorthHomes $149k-$219k(970) 456-4600

1899 E 11th St, Loveland

BANK OWNED, HUD & VAwww.ForeclosuresInLoveland.com

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

Alliance 970-622-1809

A picture is wortha thousand wordsTry a classified picture

ad! Call for details970-635-3650

Loveland 5110

CA RO L O'MEARACSU EXTENSION, LARIMERCOUNTY

They’re everywhere,filling books, air-waves, and cable

shows with their tooth-some tales. Seductive,beautiful and irresistible,they’re a perfect exampleof how good public rela-tions can take the deadand turn them into super-stars. If you’ve been any-where near pop culture re-cently, you know the na-tion’s been bitten withvampire fever.

And if you’re anythinglike my monster-puristson, you’re probably wish-ing these sparkling, soft-hearted, new-age-fiendwannabes would grow apair of fangs and start act-ing like the archfiendsthey’re supposed to be.Yet if they do return totheir bad boy roots, gar-deners will be ready for

defense, planting bulbsthat give these ghoulsnightmares.

The one, sure way tokeep a bloodsucker at bayis with garlic, a belief thatmight have sprung fromthe Romanian tradition ofcrushing and smearinggarlic on everything fromdoors and windows to live-stock horns to repel dis-ease. A known antibacteri-al, garlic is also shown tohelp prevent blood clots,some cancers, and reducec h o l e s t e ro l .

While wearing braidedbulbs is certainly a fashionstatement, the Romaniansknew that to get the mostfrom garlic, you have tobreak the clove. Garlicholds two compounds, al-liin and alliinase, in differ-ent cells and you don’t getthe pungent, sulfurous fla-vor of garlic until the cellsare damaged, allowing thetwo to mingle. The prod-uct they create is allicin,

which researchers creditwith the most health ben-efits.

Leave the clove whole,and allicin isn’t created;the garlic is mild, nutty,and well behaved. Chop orcrush it, and the allicinactivates, imbuing the airwith the odiferous tangthat vampires, and lovers,find offensive.

Garlic thrives in Col-orado, and if you want togrow your own protectionfrom vampires, there’sstill time to pop some inthe ground if you actquickly. Because grocerystore garlic might betreated with a growth in-hibitor, purchase garlic forplanting from garden cen-ters or on-line suppliers.

Softneck garlic (Alliumsativum var sativum) has asoft, flexible stem at thetop of the bulb that makesit THE choice for braidinginto ropes and necklacesfor warding off vampires.Commonly sold in grocerystores, they grow readily.

Hardneck garlic(Allium sativum varophioscorodon) producesa curled, flowering stem,called a scape, whicheventually turns woody.Rich with flavor, they havefewer, but larger, easy-to-peel cloves. Use hardnecksearly; they don’t store aslong.

Elephant garlic (Alliumampeloprasum) won’thelp protectyou fromDracula andhis fiends be-cause it’smore of aleek than gar-lic. But thebig clovesand subtleflavor make

this giant a cook’s gardenfavorite. For best size,plant these three inchesdeep.

Plant now, while we stillhave four to six weeks be-fore the ground freezes, ina sunny spot with welldrained soil. Plant onlythe largest cloves, savingthe smaller ones for eat-ing. Push cloves root enddown, one to two inchesinto the soil, about sixinches apart.

Mulch to keep the soilmoist and prevent heavingduring winter. Water thegarlic if we’re having a dryspell in winter, then planto harvest in mid-summer,after foliage browns anddies back. Cure in a dry,warm, dark, airy place fora few weeks, then cutstalks one inch above thebulb for storage.

If you didn’t grow garlicand still want to keep thevampires off your neck,don’t worry. According tolegend, they’re also com-pulsive counters, stoppingto tally anything in theirway. An old trick is tostrew millet or poppyseeds around, so that thevampire spends the nightcounting until dawn ar-rives and it’s forced to re-turn to the grave.

Read more gardeningtips on my blog at gar-d e n i n g a f t e r f i v e . w o rd p r e s s.com.

GarlicT h e re ’s still time to

plant garlic inColorado

ThinkStock photos

Photos courtesy Carol O'Meara

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

Front Range Gardening