the oklahoman real estate

FREAL ESTATESATURDAY, JANUARY 8, 2011 THE OKLAHOMAN | NEWSOK.COM

INDEX

Handy 5FStone 6FPermits 10F

HOUSE PLAN

Estate sizeA rhapsody of shapes andtextures makes the Barrett,an estate-sizecontemporary chalet, atreat for the eye.PAGE 4F

LISTING OF THE WEEK

Two-storytraditionalThe Listing of the Week is alarge, traditional two-story homeon a 0.36-acre corner lot in theRose Creek addition of northwestOklahoma City.

PAGE 4F

DecorrefinesdiningWhen eating out,take note of not onlythe delicious foodbeing served but theambiance and decorof the establish-ment. Often, it’s thebackdrop that addsto your dining expe-rience.

PAGE 3F

Mi-LingStonePoole

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IN BRIEF

HOMEBUILDERSPERSEVERINGSmall homebuildersare the mainstay ofthe nation’s housingindustry, including asizable number ofself-employed mom-and-pop operations,according to a newstudy by economistsat the National As-sociation of HomeBuilders. A much higher shareof small businessesboth enter and fail inthe residential con-struction industrywhen compared toall U.S. firms, accord-ing to the report.“We are seeing mar-ket conditions re-turning to normal inmany parts of thecountry after a long,hard downturn, andthese companieshave the agility tomove quickly andstart leading theeconomy forward,”said Bob Jones,association chair-man and a builderfrom BloomfieldHills, Mich.

DE-ICER HASFRUITY SMELLFruits & Passion, acompany thatmakes productswith fruit-basedfragrances, has add-ed de-icer to itsofferings.It comes packagedin a metal pail with awood scoop. A 35-ounce pail ofde-icer is priced at$16.50 at www.fruits-passion.com.Shipping is extra.

GROUP INVESTSIN IFBYPHONEThe National Associ-ation of Realtors hasinvested in Ifby-phone, provider ofvoice applicationsfor customer inter-actions. Ifbyphone is devel-oping enhancedvoice interactions forits Realtor members.

FROM WIRE REPORTS

With three tours in Af-ghanistan under her belt,an Army officer in her late20s wanted to buy her firsthome — a property with afenced yard where herGerman shepherd and col-lie could run.

Her home search endedrecently when she tookownership of a contempo-rary, four-bedroom ranch-style house with a largeyard for her pets. It alsohas a family room withvaulted ceilings and a two-car garage. Best of all, shebought the home for wellunder its appraised value.

“She was elated with thedeal she got on the houseof her dreams, where sheplans to stay for at leastthree years,” said Mary T.McCall, the longtime realestate broker who repre-sented the Army officer onher purchase.

Despite recent datashowing that property val-ues remain soft in the na-tion as a whole, McCall

said she thinks that pricesin a number of prime areaswill soon start headingnorth. She’s bullish on“master planned” com-munities that offer theirresidents an array ofamenities and stronglong-term value.

“Neighborhoods withexcellent built-in features,like fitness centers, play-grounds and their ownschools, give buyers a lotfor their money. Theyshould gradually appre-ciate over time, so long asyou don’t plan to move toosoon,” said McCall, firstvice president of theCouncil of ResidentialSpecialists, a professional

organization for agents(www.crs.com).

In fact, the Army officerobtained her property in apopular master-plannedcommunity for $30,000less than its original listprice and well under whatthe first owners paid whenthe house was built fiveyears ago.

However, McCall saidthose trying to take advan-tage of the market mayhave to be prepared to slogthrough a longer mortgageprocessing period thanwas customary before therecession began — espe-cially if, like the Army offi-cer, they fall in love with aproperty that’s offered as a“short sale.”

“Sometimes a short salecan take up to nine monthsor even longer to gothrough. Even when you’redoing a traditional real es-tate purchase, it can nowtake more time than you’dlike to get your loan proc-essing through,” she said.

Here are some pointersfor homebuyers who aredetermined to realize theirpurchase plans in 2011:

› Move forward as earlyas possible if you’re sureyou want to buy.

Tom Early, a veteran realestate broker and formerpresident of the NationalAssociation of ExclusiveBuyer Agents (www.nae-ba.org), said first-timebuyers are well positionedto benefit from potentialdiscounts now available onhousing. Unless you have along-term lease on yourrental unit, you can typi-cally move quickly withouthaving to sell a home be-fore you commit to a pur-chase.

› Take note of how themath of moving up favorsyou in this market.

Among the homeown-ers who are holding off ona trade-up purchase arethose waiting for a pickupin the value of their pre-sent place.

“Essentially, these peo-ple are boycotting thebuyers’ market until theycan maximize the sale oftheir current property,”Early said.

But he said those whothink it’s wise to wait oftenfail to take note of thenumbers. Granted, theymay not get as much asthey’d hoped when theyliquidate their presenthome. Yet they’re likely toget a proportionatelylarger discount on a moreupscale place they pur-chase soon.

› Consider buying di-rectly from a builder.

“Look for builders whostill have spec houses intheir developments. Theyneed to sell these homes topay off the bank for theirconstruction loans. Theirurgency could result in aterrific deal for you,” Earlysaid.To contact Ellen James Martin, e-mailher at [email protected].

UNIVERSAL UCLICK

Bargain-hunting homebuyers get tips for searchEllenJamesMartin

SMARTMOVES

EDMOND — In mid-1960s Co-vington — before “Halo” and“Call of Duty” and text messagesand Xboxes and iPods — a 13-year-old boy might have collectedcoins, worked alongside his dad inthe local grocery store and still hadtime left over to dream.

Dennis Nevius, Oklahoma 2010Realtor of the Year and a brokerassociate with Keller Williams Re-alty in Edmond, was one such kid.

With the grocery business wellunder his skin by the time he lefthome for what was then CentralState University in Edmond, hecontinued to work as an assistantmanager at an Edmond store whileearning his degree in business andfinance.

After graduating, though, hisdream of managing his own store

was dashed, Nevius recalled,when “my district manager gaveme some bad news.”

Nevius wouldn’t be getting hisown store for at least five years.

It left him “extremely disap-pointed,” he said. It was time forNevius to reassess his dreams.

Banking popped up as a possi-bility, then an offer from Xerox,but it was a friend’s stories aboutreal estate that captured Nevius’fascination.

So he made the leap.First-year agents don’t count

on making a lot of money — Nevi-us admits he was no exception —but in his second year things tookoff.

“I had a bet with a grocery storemanager friend,” he recalled abouthis first year on his own as anagent, “that I’d do better in realestate sales. And I did. I won thebet.”

Real estate was a natural fit

from the beginning for Nevius. “Ijust always thought it was fun tofind the right house for some-body,” he said.

Nevius, with his background infinance, said he has always loved“working the numbers.” Over theyears, he said, “I’ve been able togive good advice that has reallypaid off for my customers.”

Judy Nevius, his wife of 39years, was always involved in hisreal estate career, but when salesmounted into the millions, hermarketing and database expertisebecame invaluable to the familybusiness, known as The NeviusTeam at Keller Williams. Partthree of the team is son Matt, whojoined his parents as a Realtor justbefore the Sept. 11, 2001, terroristattacks.

“His first few weeks were thebiggest lull the market has seen inmy lifetime,” Dennis Nevius said,“but it was back up again when

everybody was sure the worldwasn’t ending.”

With father and son assistingcustomers and Mom creatingmarketing materials, the teamsounds complete. But Nevius didadd one more element about 10years ago: a 22-foot moving truck,complete with ramps and pads.It’s a perk, free to any Nevius Teamclient who needs it.

What does Nevius see on thehorizon for buyers and sellers inthe year ahead?

Nevius said there are buyers, al-beit cautious ones, for “the rightproperties” — homes that are in“the best condition” and “pricedright for the current market.”

Nevius mentioned a home he’slisted at 4885 Turtle Point, inGuthrie’s gated SweetwaterSprings addition, as an example.The traditional-style, three-bed-

REALTOR OF THE YEAR DISCOVEREDHIS CALLING IN THE SUPERMARKET

Dennis Nevius, Oklahoma Realtor of the Year for 2010 and an associate of Keller Williams Realty in Edmond, walks through a house he haslisted at 4885 Turtle Point in Guthrie. PHOTO BY PAUL HELLSTERN, THE OKLAHOMAN

BY TIM FALLSpecial [email protected]

SEE REALTOR, PAGE 2F

2F SATURDAY, JANUARY 8, 2011 THE OKLAHOMAN | NEWSOK.COMREAL ESTATE

room, 1,800-square-foothome is on a ¾-acre lotand is for sale with the ad-jacent 1-acre lot for$167,700.

“We’re seeing great in-terest rates,” Nevius point-ed out, “and inflationarypressures like we saw inthe late ’70s and early ’80s.Those factors make home-ownership attractive.”

The flip side of the coin,though, is tight under-writing. “Even buyers with20 percent cash downneed higher credit scoresthan a couple of years ago,”Nevius said.

Nevius is “sure” themetro area will see im-proved sales for 2011, “justno big spikes in business”until concerns, both indi-vidual and institutional,subside.

“I want to see long-termeconomic fundamentalsaddressed,” he said in thefinal days of 2010. “Be-cause short-term fixes likethe first-time buyer creditaren’t doing anybody anygood.”

FROM PAGE 1F

Realtor: Better home sales expected

Left: Dennis Nevius of Keller Williams Realty, Okla-homa Realtor of the Year for 2010, shows a house hehas listed at 4885 Turtle Point in the SweetwaterSprings addition in Guthrie.

PHOTO BY PAUL HELLSTERN, THE OKLAHOMAN

Left: The masterbath of the home at4885 Turtle Point inGuthrie.

PHOTO BY PAUL HELLSTERN,THE OKLAHOMAN

The Guthrie home has an open floor plan, as seen in this view of the kitchen-dining and living area.PHOTO BY PAUL HELLSTERN, THE OKLAHOMAN

Realtor of the Year Dennis Nevius has this house listed at 4885 Turtle Point in the Sweetwater Springs addi-tion in Guthrie. PHOTO BY PAUL HELLSTERN, THE OKLAHOMAN

THE OKLAHOMAN | NEWSOK.COM SATURDAY, JANUARY 8, 2011 3FREAL ESTATE

When I’m samplingeateries in the OklahomaCity area, I always takenote of not only the deli-cious food being servedbut the ambience anddecor of the establish-ment. Oftentimes it’s thebackdrop that adds toyour dining experience.

Two of my recent fa-vorites are the Bayou Grill& Bakery in Edmond andthe Cafe do Brasil inOklahoma City.

Cafe do Brasil, 440 NW11, proved to be a memo-rable dining experience.The food was deliciousand the servings wereplentiful.

The moment youstepped into the restau-rant you felt as if you weretruly in the heart of Bra-zil.

The live music, thearoma of the Brazilianspices and the large muralof the Christ the Re-deemer statue in Rio deJaneiro transport you toBrazil. The color of thewalls represent the yellowand green found in theBrazilian flag.

It was a wonderfulevening and I went awayfrom the cafe thinkingabout how much thedecor influenced my din-ing experience.

Next on my list isBayou Grill & Bakery, 1315E Danforth Road in Ed-mond. My girlfriend Jeriand I stopped in for a biteto eat and the first thing Inoticed was the colorfulmural on the wall withthe traditional light postand a jazz musician lean-ing on the post in thebackground.

The bright colors ofgreen, blue, orange andpink reminded me of mymany visits to the FrenchQuarter. And if you’vebeen to New Orleans youknow the down-homefeeling you get whenchatting with the cooks or

having a beer at the barwith the owner. And onany given night, localmusicians grace the smallstage situated in the cor-ner for the full Cajunexperience.

I enjoyed the gumboand the cornbread. Butmy favorite was the won-derful peach cobbler. Itreminded me of mymother’s recipe, one thatI make quite often.

The cobbler was sogood in fact that oneevening after my husbandand I ate at the Cafe doBrasil, I asked him to stopby the Bayou Grill so Icould grab a few slices totake home for dessert.

Whatever your tastebuds, I’m sure you willenjoy eating at one ofthese eateries, and whiletaking in the cuisine youcan find inspiration foryour next decoratingproject.

Now go out and createyour own unique comfortzone!

If you have a decorating dilemma,contact Mi-Ling Stone Poole throughher website, www.mi-ling.com.

A mural of the French Quarter graces a wall at the Bayou Grill & Bakery inEdmond. PHOTO BY BY MILING STONE-POOLE, FOR THE OKLAHOMAN

Mi-LingStonePoole

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WASHINGTON — Abehind-the-scenes battleis forming over a provisionto the sweeping bank re-form law that will affectmortgage availability.

At issue is a provision inthe Dodd-Frank Act thatrequires banks to have“skin in the game” by re-taining some of the risk ofloans they package and sell.

The goal is to eliminate aproblem leading to the fi-nancial crisis where lend-ers packaged and sold sub-prime mortgages theyknew would fail. Lawmak-ers also included a mea-sure that would exemptcertain mortgages from therisk retention rule if theirloans met certain high un-derwriting standards.

But reaching an agree-ment on what the criteriawill be for these high-standard loans dubbed“qualified residentialmortgages” — QRM — isexpected to be difficultand, depending on howregulators rule, a huge sliceof the mortgage marketcould be exempted fromrisk retention, or only asmall piece of the market.

That could have a majorimpact on what kinds ofmortgages are available,and for what price. Mort-gage rates have remainednear historic lows butmortgage activity is neardecade depths.

Reuters reported recent-ly that a group of promi-nent investors and aca-demics urged top U.S. offi-cials to move quickly to en-act the provision.

Bank regulators and theTreasury Department arerequired to work togetherto draft rules under thewatchful eye of a newlyformed Financial StabilityOversight Council madeup of the heads of bank andsecurities regulators. Asoon-to-be-formed Con-sumer Financial Protec-

tion Bureau, which willwrite rules for mortgagesand other consumer-credit products, will wantto be involved as well. Reg-ulators are expected to in-troduce a proposal for thismeasure in January.

Washington observerssay that regulators, con-sumer groups and bankersgenerally already agree toprohibit more exotic orproblematic loans fromqualifying for the risk re-tention provision. Specifi-cally, those with negativeamortization loans, pre-payment penalties or bal-loon payments — many ofthe problematic structuresthat helped drive the fi-nancial crisis — won’t bepermitted. Strong creditscores will also be a mustas well as effective verifica-tion of borrower income.

However, squabbles al-ready are taking placeamong banks, investorsand consumer groups overwhether the loans ap-proved under the exemp-tion should have downpayments, and if so, howmuch money down is nec-essary. Other points of dis-pute: How many months ofverification should be re-quired for a borrower’s in-come and how much debtcan a borrower handle. TheMortgage Bankers Associ-ation is seeking to includeinterest-only loans in thedefinition but consumergroups are opposed.

Big banks are seekingsome sort of significantdown payment, perhaps asmuch as a 30 percent stakeby borrowers, arguing thatit means homeownerswould be less likely toabandon the mortgage.

Alternatively, consumergroups are either opposedto having any down-payment requirement orprefer a small down-payment condition.

Finally, smaller bankswould like to see a 5 per-cent or similarly smalldown-payment condition

if borrowers obtain privatemortgage insurance andhave high credit scores.

Kathleen Day, spokes-woman at the Center forResponsible Lending inWashington, said having ahigh down-payment re-quirement for qualifiedresidential mortgageswould limit a lot of re-sponsible lending.

“Nonstandard, nontra-ditional and predatoryproducts would becomepart of the universe of thecommon loan, and itwould mean we have thestatus quo where bad loansare sold as legitimateproducts,” Day said.

MCCLATCHY-TRIBUNE INFORMATION SERVICES

Clash looms over loan availabilityBY RONALD D. OROLMarketWatch

EDMOND — John PaulBuie has joined ChurchillBrown & Associates Real-tors as a residential real es-tate sales associate in the201 N Bryant office.

Buie has lived in themetro area 23 years. He hasa bachelor’s degree in ani-mal husbandry from Okla-homa State University andattended Abilene Chris-

tian College in Abilene,Texas. He worked for morethan 30 years with UpjohnPharmaceuticals’ animalhealth division. He is vicepresident of his family’sranch corporation and is amember of the Texas &Southwestern Cattle Rais-ers Association and pastmember of the OklahomaCattlemen’s Association.

Churchill Brown adds sales associate

John Paul Buie

Local eateries provideinspiration for design


The Listing of the Weekis a large, traditional two-story house on a third of anacre corner lot in the RoseCreek addition of north-west Oklahoma City.

The 4,553-square-foothouse at 17200 Fox Prowlhas four bedrooms, 3½baths, three living rooms,two dining areas and an at-tached three-car garage.

The family room has afireplace and built-in en-tertainment center. Theliving room has a cathedralceiling. The upstairs gameroom has a wet bar andceiling fan. The kitchenhas a work island, break-fast bar and eating area.

The home has extensivewoodwork, a storm cellar,wine cellar, covered patioand outdoor eating areawith built-in grill, fire-place and seating, a secu-rity system and under-

ground sprinkler system.Built in 2003, it is listed

for $699,000 with LauraTerlip of The CovingtonCo. For more information,call 840-4151.

Nominations for Listing of the Weekare welcome. Send information aboutsingle-family homes to The Oklahoman,Richard Mize, P.O. Box 25125, OklahomaCity, OK 73125. Nominations may befaxed to 475-3996.

LISTING OF THE WEEK

The Listing of the Week is at 17200 Fox Prowl. PHOTO PROVIDED

House has wine cellarplus outdoor amenities

A rhapsody of shapesand textures makes thisestate-size contemporarychalet a treat for the eye.King posts and gentlycurved struts highlightthe Barrett’s four front-facing gables, while shin-gles and stone veneerwrap around the entireexterior.

Diamond-shaped andCraftsman windows addsparkle outside and admitabundant light inside.

Arrays of slender postsflank the lofty entry por-tico. Sidelights and a widetransom wrap around theCraftsman door.

Inside, closets line thevaulted entry that leadsdirectly into an expansivehexagonal great room.

Drop beams outline thesix pie-shaped ceilingpanels that meet at a

central peak. The three rear walls are

loaded with glass, and thecenter section there isalmost entirely glass. Itslower windows arecrowned by two morelevels of gridded glass thathighlight the triangularapex.

A fireplace graces theright rear section, desig-nated as a living room;the dining area is in theleft section. Both offeraccess to wide decks. Along conversation barrims the work island in akitchen that is partly opento the dining area. Itsroomy pantry fills onecorner.

Bedroom suites fitneatly into wings on bothsides of the central hexa-gon. A powder roomalong the hallway to the

guest suite is available forgeneral use.

The large utility roomfarther along that hallwayalso serves as a pass-through to the three-cargarage. Luxury featuresabound in the spaciousowners’ suite that fills theleft wing.

A bunk room and yetanother bedroom are inthe Barrett’s daylightbasement below, to theleft of a huge recreationroom that accesses cov-ered patios on three sides.

The roomy workshopon this level also has dou-ble-door access to theexterior.

For a review plan, including scaled floorplans, elevations, section and artist’sconception, send $25 to AssociatedDesigns, 1100 Jacobs Drive, Eugene, OR,97402. Specify the Barrett 30-773 andinclude a return address when ordering.For more information, call (800)634-0123.

HOUSE PLAN

Contemporary chalet eye candy


NEW YORK — The num-ber of people who signedcontracts to buy homesrose in November, thefourth increase since con-tract signings hit a low inJune.

The National Associ-ation of Realtors said itsindex of sales agreementsfor previously occupiedhomes increased 3.5 per-cent from a downwardlyrevised reading in October.Contract signings were upin the West and Northeast,but down in the South andMidwest.

Signings were 22.1 per-cent above June’s indexreading, which was thelowest level since the Real-tors started tracking thedata in 2001. Signings were5 percent lower than No-vember 2009 when buyerswere scrambling to closepurchases to qualify for thefirst federal tax credit.

Still, 2010 is shaping upto be the worst for homesales since 1997.

Contractsto buyhomesincrease BY THE ASSOCIATED PRESS

WASHINGTON — Fifteen yearsago, Carol Nietmann and herhusband bought a spacioushouse in Maryland near Chesa-peake Bay. And thanks to thetime-honored tax deduction formortgage interest, she said, theirnew place was a little bigger anda little nicer than they wouldotherwise have thought theycould afford.

Much the same has been truefor millions of Americans up anddown the income scale. Perhapsthe most sacred of all the sacredcows in the tax code, the homemortgage deduction has longbeen seen as crucial to a majorelement of the American dream— owning your own home.

It also has been a boon to

homebuilders, constructionworkers, the financial servicesindustry and local governmentsthat benefited from fatter realestate tax revenue.

But nearly a century aftercoming into existence, the mort-gage deduction may face a day ofreckoning.

Although out of the spotlightwhile the lame-duck Congressthrashed to an end, the mortgagededuction issue is likely to resur-face this as the new Congress —including a lot more deficit-hawk Republicans — takes over.

In part, the hoary deductionhas a target on its back as a resultof policymakers rethinking thewhole issue of homeownership.

In the wake of the havoc thatfollowed the latest housing bust— a calamity that still shadowsthe U.S. economy and will for

years to come — it’s no longer soclear that near-universal home-ownership should be a para-mount goal.

The National Association ofRealtors already is running adswarning that tampering with thededuction would hurt “hard-working American families.”

The ads point out that 65 per-cent of the taxpayers who took thededuction made less than$100,000.

What the group doesn’t say isthat about 75 percent of the en-tire $85.5 billion that peoplesaved in taxes from the mortgageinterest deduction in 2008 wentto individuals or couples making$100,000 or more, according toan analysis by the congressionalJoint Committee on Taxation ofthe latest data available.

Based on the committee’s

numbers, taxpayers who tookthe mortgage deduction saved,on average, $2,330 in 2008. Butfor those reporting incomes of$200,000 and more, the averagesavings nearly tripled.

About half of all homeownersin the U.S. — and just a quarter ofall taxpayers — benefit from themortgage interest deduction atall. That’s because most peopledon’t have home loans or don’tpay enough in mortgage interestto take advantage of the benefit.

Also left out are many home-owners in cheaper housing mar-kets, though people with pricierhomes and larger mortgages —many of them affluent youngerAmericans in coastal cities inCalifornia and on the East Coast— reap a disproportionately largeshare of the tax savings.

Last year, couples filing joint

federal returns needed mortgageinterest and other deductionsexceeding $11,400 to make itworthwhile to file itemized taxreturns and take advantage ofthis tax preference.

The deficit commission’s planwould do away with itemized de-ductions altogether and allow ev-ery homeowner to get a tax creditequal to 12 percent of interest paidon mortgages up to $500,000.

Replacing the mortgage de-duction with a tax credit “wouldreduce the tax subsidy by a de-cent amount for a small fractionof the population and increase itby a small amount for a largenumber of lower-income house-holds,” said Todd Sinai, a real es-tate and taxation specialist atUniversity of Pennsylvania’sWharton School.


Mortgage tax break’s future in doubtBY DON LEETribune Washington Bureau

For most people, some-times even experienceddesigners and contractors,the toughest part of aremodeling project is vi-sualizing what the space isgoing to look like after-ward. A set of plans is agreat first step, of course,but they often don’t giveyou the three-dimensionalperspective you need toreally see the room andexperience perspectives,traffic patterns, light, andall the rest.

So, once the demolitionis complete and the roomis bare, do some simpleexperimenting. Thisshould occur before any-thing goes back in, in-cluding wiring, plumbingand drywall, since this isyour one opportunity tomake changes in the orig-inal plans if you catchsomething you don’t like.

Get it on tapeThe easiest place to

start is on the floor, withmasking tape. Refer toyour plans and tape outthe major immovablecomponents of the re-model, such as walls andcabinets. By doing thisfull-scale right on thefloor, you’ll see firsthandhow the room begins toclose in certain areas andhow traffic patterns beginto emerge. If you’re add-ing new windows ordoors, use newspaper andtape to create them fullsize on the walls, in theirexact locations. Again,this will give you a muchbetter visualization ofhow they interact withthe flow of the room.

Get some cardboardNow it’s time to get

even more creative and dosome three-dimensional

building with cardboard.It’s an extra step, espe-cially at a time whenyou’re anxious to get thereal wood and nails flying,but a little time spenthere can save you somecritical mistakes.

Using cardboard, tape,light wood such as 1-by-1-inch or 2-by-2-inch, anda staple gun, build somefull-scale models of someof the major componentsof the room. Large, usedcardboard boxes are oftenavailable from applianceand furniture stores, andyou can cut them up andpiece them together asneeded. They don’t needto be pretty, just the cor-rect size.

For example, for akitchen remodel, youmight want to lay outcardboard counters at thecorrect height, supportedby cardboard legs, thenbuild a three-dimensionalcardboard island. Thiswill really let you seefirsthand if you haveenough room for all that.On the floor, tape out thedimensions of the opendishwasher door, or theswing of the refrigeratordoor, and verify firsthandthat you’re comfortablewith all the clearances.

Another good use of allthis cardboard and news-paper is to help you see

what’s going to happen tothe light in a room. Whenyou first strip everythingout, there’s nothing toblock all the light stream-ing in from the windows.But what happens whenthose wall cabinets go upin the kitchen, or whenthat tall linen storagecabinet gets set in thebathroom?

You can either build acardboard cabinet of theproper size, or simplytape newspaper to somestrings and then pin thestrings to the ceiling inthe proper locations —anything that will blockthe light from the win-dows in the same way thenew cabinets will. Thenyou can assess how muchof an impact they’ll have,and perhaps move themor alter them if needed.

Make fake furnitureFurniture is another

thing that dramaticallyimpacts traffic flow, butoften doesn’t get takeninto consideration untilafter the remodeling iscomplete. Here’s youropportunity to do it be-forehand, and perhapsmake a critical change ortwo.

With all that tape onthe floor, you have a goodlayout of where all thewalls, cabinets and other

main components aregoing to be located. Usingsome cardboard, makefull-scale, two-dimensional models ofany large pieces of furni-ture, such as a couch,dining room table or bed.These don’t need to bethree-dimensional, sinceyou’re concerned onlyabout how the footprintwill affect traffic patterns,so just tape together sev-eral pieces of cardboardand then cut them to the

correct final dimension.Label your creation so

you remember which pieceof furniture it is, then youcan move it into differentlocations to try differentroom layouts. Once again,this full-scale playroomwill let you make any nec-essary changes to youroriginal plan.

Once you’re happy witheverything, leave the tapein place on the floor forthe time being. As long asyou’ve placed it accurate-

ly, it’s a great help to theelectrician for takingmeasurements whenplacing can lights andceiling boxes!

Remodeling and repair questions?E-mail Paul at [email protected]. All product reviews arebased on the author’s actual testing offree review samples provided by themanufacturers.

INMAN NEWS

3-D model aids in remodeling project PaulBianchina

HANDY @ HOME


DEAR BARRY: I readan article in which yourecommend pre-salehome inspections. Youexplained that sellers canhire their own inspectorbefore they put theirproperty on the market,rather than waiting for areport from the buyers’inspector. The advantagesyou listed make sense forsellers, but I think buyerswould be better served byhiring their own inspec-tor, someone who wouldserve their interests ex-clusively. What are yourthoughts on this?

Wayne

DEAR WAYNE: Yourpoint is an important one.Sellers benefit from a

pre-sale home inspectionin three essential ways:

› They earn the trust ofbuyers by demonstratingthat they have nothing tohide in the transaction.

› They reduce theirchances of liability forundisclosed defects afterthe sale.

› A presale inspectionreport affords them aposition from which tonegotiate an “as-is” sale.

The sellers’ inspectionreport, however, shouldnot be the buyers’ finalsource of disclosure.Buyers, in fact, would be foolish to rely on apre-sale report as theirsole avenue of informa-tion. Homebuyers shouldhave a direct relationship

with their own homeinspector for reasons ofaccountability and to gaina clearer understanding ofthe property’s conditionfrom someone who ispaid to represent theirexclusive interests.

When buyers hire theirown inspector, they canattend the inspection.

They can walk andtalk with the inspector,ask questions, expressconcerns, see the condi-tions that will appear intheir report, and build arapport with the inspectorthey hire to familiarizethem with their newhome.

Besides this, homeinspectors are not equallyqualified or uniformly

thorough in their profes-sional duties.

The sellers’ inspectionmay or may not havebeen done in a detailedand competent manner.

To rely on a report froman unknown inspector,without a one-on-one,face-to-face relationshipcould be described as apig-in-a-poke reliance.

Sellers and buyers ben-efit in important andindividual ways whenthey hire their own homeinspectors. Both types of inspections are recommended.

To write to Barry Stone, please visit himon the web at www.housedetective.com.

ACCESS MEDIA GROUPS

Sellers, buyers shouldhave separate inspectors

WASHINGTON — Thenumber of foreclosedhomes rose over the sum-mer after fewer people atrisk received assistancelowering their monthlymortgage payments, a newreport shows.

About 470,000 home-owners received help ei-ther directly from banks orthrough government pro-grams in the July to Sep-tember quarter, accordingto a report by the Office ofthe Comptroller of theCurrency and Office ofThrift Supervision. That’sa 17 percent drop from theprevious quarter and a de-cline of 32 percent fromthe same period last year.

At the same time, thenumber of completedforeclosures rose to nearly245,000 in the third quar-ter, an 11.2 percent increasefrom the previous threemonths, the report said.

The report only coversthe 64 percent of mortgag-es that are held by nationalbanks and thrifts.

Mark Zandi, chief econ-omist at Moody’s Analyt-ics, estimates that therewill have been 1.8 millionforeclosed homes in theUnited States in 2010 andthat the numbers will be

even higher this year.Moody’s estimates thatforeclosures should peakin 2011 at 2.1 million, Zandisaid.

A spike in foreclosures isa major reason why homeprices fell in 20 of thelargest U.S. metropolitanareas in October from Sep-tember — the first timethat has happened sinceFebruary 2009.

Banks already have sort-ed through most delin-quent borrowers and de-cided whether to modifytheir mortgages, federalofficials say.

“The universe of eligibleborrowers who have notalready been evaluated isbeing exhausted,” saidBryan Hubbard, a spokes-man for the Office of theComptroller of the Cur-rency.

Many troubled borrow-ers owe more on theirhomes than the mortgagesare worth, a situationknown as being “under-water.”

Many banks don’t wantto modify those mortgag-es, analysts said, becausethat would require them towrite off a portion of theloan.

The Obama administra-tion’s central effort to pre-vent foreclosures, the

Home Affordable Modifi-cation Program, saw aneven steeper drop in thethird quarter. Only 59,000loans were modified underthe program, down nearly46 percent from the previ-ous quarter. Another44,000 loans are in athree-month trial period.If borrowers make pay-

ments for three monthsunder the trial period, themodification becomespermanent. The modifiedloans usually have lowerinterest rates or longerpayment terms.

The federal program hasfallen far short of its goals.Administration officialsinitially said it would help

3 million to 4 million peo-ple avoid foreclosure. But acongressional panel esti-mated earlier this monththat it would likely end upmodifying only about700,000 to 800,000mortgages.

Zandi said the majorityof those at risk of foreclo-sure are already in the

pipeline. As the economy slowly

improves and job lossesdecline, fewer homeown-ers are falling seriously be-hind on their loans, hesaid.

That should reduce thenumber of newly initiatedforeclosures going for-ward.

Foreclosures rise in third quarter as fewer people get helpBY THE ASSOCIATED PRESS

BarryStone

INSPECTOR’S IN THEHOUSE

Susan ForsytheSusan Forsythe has joined Paradi-

gm AdvantEdge Real Estate’s southoffice, 1530 SW 119, as a residentialreal estate sales associate.

She grew up in the Santa ClaritaValley in California and studied ac-counting and business managementat the College of the Canyons in Va-lencia, Calif. The military moved herfamily several times, and the lastmove was to Oklahoma City 13 yearsago. Previously, she worked in retailsales and retail sales management.

Paradigm AdvantEdgeadds two sales associates

Jeremy BartonJeremy Barton has joined Paradi-

gm AdvantEdge’s south office, 1530SW 119, as a residential real estatesales associate.

The Yukon native, after graduat-ing from Yukon High School, movedto Daytona Beach, Fla., and opened abeach accessory business. When hereturned to Oklahoma, he worked asan account manager for a nationalfood company.


FORT WORTH, Texas — A former titlecloser has been sentenced to six years inprison for her role in an elaborate mort-gage fraud scheme involving loans worth$13 million, many in Tarrant County.

Deborah Fernie, one of 10 participantsindicted in the scheme, pleaded guilty totwo charges of making a false or mislead-ing written statement with the intent ofobtaining property or money for herself orother participants.

State District Judge George Gallaghersentenced Fernie, 49, to six years on afirst-degree felony that involved morethan $200,000. He sentenced her to twoyears on a state jail felony involving lessthan $200,000.

Under terms of her plea bargain, Fernie,who worked in Mansfield, Texas, about 20miles southeast of Fort Worth, will servethose sentences concurrently with a 78-month federal mortgage fraud schemesentence. She has been ordered to reportto federal prison in February to begin serv-ing all three sentences.

Fernie is the eighth of 10 defendantssentenced in the scheme that spannedabout six years. It came to light about threeyears ago when prosecutors received ananonymous letter asking why so manyhouses in Mansfield’s Twin Creek subdivi-sion were vacant, for sale or in foreclosure.

An investigation uncovered a scheme touse false information from “straw buyers”to buy homes at inflated prices and pocketthe proceeds. Five of those “straw buyers”received probation in September after ad-mitting that they allowed their personalinformation to be used in the scheme.

Of the five principals, two have received10 years’ probation and 180 days in jail fortheir roles. One admitted that he used hisreal estate company to file fake mechanic’sliens on homes. The other admitted thathe inflated his income and provided otherfalse information to buy a $408,000home. Fernie pleaded guilty to paying her-self $5,000 from one fraudulent sale andclosing a sale that she knew involved afraudulent loan.

Two defendants have not been tried.

Ex-title closerto serve 6 yearsin fraud schemeBY MCCLATCHY-TRIBUNEINFORMATION SERVICES

CHICAGO — Every night be-fore he goes to sleep, TedBachrach sets out four rattraps along a construction sitenext to his well-tended yard.

In the morning, he gets up,makes coffee and removes thetraps — usually finding one rat— before he goes on with hisday.

The 36-year-old invest-ment manager’s charmingwood-frame home sits next totwo unfinished single-familyhomes on a quiet residentialstreet in Chicago’s LincolnPark. For a while, he said,three homeless people wereliving in one house.

The construction projectstarted two years ago, but justmonths into the work, thebank cut off funding, propertyowner Robert Chavin said. Sonow a boarded-up, two-storyconcrete block building has satuntouched for more than ayear. Construction on the oth-er home was begun too, butdidn’t even make it that far.

Half-built homes havepopped up all over Chicagoand its suburbs, a jarring left-over from the real estate mar-ket meltdown and ongoingforeclosures. Many were tear-downs of existing homes, re-placed by skeletal structuresthat neighbors fear will lowertheir property values.

The languishing construc-tion site on the city’s North Sideis a glaring case study of the dif-ficulties that frustrated resi-dents, communities and lend-ers face in grappling with aban-doned, half-finished homes.Though numbers are hard tomeasure — no one seems to

track them — experts say thereare plenty of examples.

And there is little, they say,that can be done to remedy thedilemma other than put pres-sure on the owners, which of-ten are banks.

“It is a national problem,especially in the Midwest andparticularly in Chicago and thesuburbs,” said Eli Lehrer, se-nior fellow at The HeartlandInstitute, a nonprofit researchorganization in Chicago.

Solutions are elusiveUnfinished houses pose a

new challenge for many com-munities because they havefew options for how to bestdeal with them.

“There is a well-developedprogram within the city to teardown houses that are aban-doned,” Lehrer said of Chica-

go. “There is very little publicpolicy for houses that have notbeen completed.”

The lack of a clear-cut ac-tion plan frustrates suburbanresidents as well. On a cozytree-lined street in Skokie, Ill.,Eddie D’Avis spent nightsawake in bed, listening to looseinsulation whip in the wind onthe unfinished house nextdoor. Many a time he thoughtabout going out and ripping itdown himself.

Instead, he waited for theowner to do something. He’sbeen waiting three years sinceconstruction was halted.

The two-story house stillsits empty, with plywoodwalls and exposed eaves. Chil-dren wander onto the proper-ty, and squirrels and raccoonshave climbed inside the shell.

Lenders can maintain a

property, Zenkevicius said,but can’t improve it until theyget ownership. Banks couldsell such properties sooner ifowners would deed the prop-erty to them rather than justwalking away, he said.

Even when such houses areon the market, they are diffi-cult to sell because they oftenrequire full cash payment andface a host of construction is-sues that only certain buildersand lenders are willing totackle, brokers said.

Some owners and banks areletting unfinished propertiessit until prices improve, saidJohn Wozniak, incoming pres-ident of the Homebuilders As-sociation of Greater Chicago.And financing is very difficultto get for such projects.


Unfinished homes tarnishneighborhoods of ChicagoBY BECKY SCHLIKERMAN,ROBERT MCCOPPIN,AND LISA BLACKChicago Tribune

A letter carrier walks past the unfinished house that neighbors complain about at 510 N ClaySt., which has stood fenced in and abandoned for about three years, in Hinsdale, Ill.

PHOTO BY MCCLATCHY-TRIBUNE


DALLAS — Roadside ads offering thepossibility of a $10,000-per-night paydaywere among the earliest and most plenti-ful signs that the Super Bowl was ap-proaching.

Hundreds of garage sale-style signs —many placed illegally in medians andrights-of-way — have people intrigued bythe profit potential in renting their homesfor the Super Bowl on Feb. 6 in Arlington,Texas. But with just weeks left beforekickoff, it’s still not clear what kind ofmarket there is for home rentals.

One vacation rental website shows athree-bedroom house about seven milesfrom Cowboys Stadium for $250 pernight. Another website, specializing inSuper Bowl rentals, offered comparablehouses for $3,500 per night.

Mark Kreditor, a Dallas resident and

past president of the National Associationof Residential Property Managers, said it’stough to figure out what properties areworth for that brief time.

“When you see that kind of disparity inprice, obviously there is no market that’sbeen established by the demand,” saidKreditor, who owns Get There First Real-ty. “There are just a lot of people withsupply.”

Super Bowl XLV host committee offi-cials have said there are plenty of hotelrooms in this region and that home rent-als aren’t crucial to housing fans. The ar-ea’s top luxury hotels are sold out, butrooms still are available in budget motelscharging less than $100 to midrange ho-tels with rooms for $300 to $400 a night.

But that hasn’t stopped people fromoffering everything from one-bedroomapartments to mansions to football fanswith enough money.

Donnie Payne has had her aunt’s house

in Dallas rented for Super Bowl weekendsince March. But at $300 per day, it’s no-where near the windfall many expect.

“I don’t know why people would fall forit,” she said about the promise of hugepayouts. “There are still enough hotels inDallas. I don’t know why someone wouldthink that’s even real.”

For many who live in the home they in-tend to rent, the Super Bowl is a one-timebonus. Payne looks at the rental marketlong-term since her aunt’s house is vacantand always available for lease. She said itmostly goes to business people in town forextended stays, but there have been somepeople here for Cowboys games.

Keith Johnson, who owns Phoenix-based Majoreventrentalz.com, said a cou-ple of properties listed on his site havebeen rented for Super Bowl XLV at a priceof $250 and $750 per day. The $750-per-day home was originally listed for $3,500per day, but the price was negotiated

down.Johnson said many customers find bar-

gains by renting a house rather than twoor three hotel rooms. He said he’s had atotal of a dozen listings this year, far fewerthan at previous Super Bowls.

In Arlington, Denise Langley has ahouse on the market just a couple of milesfrom Cowboys Stadium but has also hadno luck yet on a Super Bowl week rental.That’s despite a price of $2,500 per week,less than what some homeowners areasking per night for similar houses.

Langley said she tried to make the ask-ing price competitive with the combinedcost of a couple of hotel rooms since thethree-bedroom house could sleep eightpeople. She said she’d like to have it rent-ed for Super Bowl week, but she’s notnecessarily counting on that income.

“It’s extra money. It’s not needed mon-ey,” she said.


Big score may elude Dallas-area homeowners MARKET | AS SUPER BOWL APPROACHES, RESIDENTS HOPE TO CASH IN BY RENTING HOMES TO FOOTBALL FANS COMING FOR GAME

BY JEFF MOSIERThe Dallas Morning News

HARTFORD, Conn. — In the1990s, towns across Con-necticut enthusiasticallyapproved plans to buildhousing developments re-stricted to adults 55 and ol-der, attracted by the idea ofsolid buyers who wouldpay their taxes and be ac-tive in civic affairs but notadd children to school sys-tems.

For retirees, it was achance to stay in the sametowns where they hadlived for years.

The number of these“active adult” communi-ties in the state mush-roomed — now at 200, byone estimate, representingthousands of single-fam-ily houses and condomini-

ums. It worked well formany: Developmentsflourished and sold out.

But as the housing re-cession deepened, a grow-ing number of the devel-opments were left unfin-ished. Some developershave fallen into bankrupt-cy; others are strugglingand looking for a way out.

Now, they’ve found one.Following a trend that

has unfolded in the pastyear elsewhere in thecountry, at least threepartly completed “activeadult” projects in GreaterHartford — two in Elling-ton and one in Tolland —have won local approval todrop the age restriction.

In Tolland, BelvedereRidge provides the moststriking example of theslowdown: Envisioned as acommunity of 66 homes,

just two have sold since2006.

Each of the three devel-opers, including a bankthat aims to sell the prop-erty to a new builder, arehoping the change willspur sales in a still-weakhousing market.

While the conversionsare likely to ease financialpressures on developers,they have the potential tospark controversy becausethe homes were speciallyapproved under the condi-tion that they be only forpeople older than 55. So far,there hasn’t been any or-ganized opposition to thechange, but some peopleare raising concerns aboutwhat the conversions meanfor the future of housingfor a fast-growing segmentof the population.

Colin Milner, founder of

the International Councilon Active Aging, said aspate of conversions couldreduce the backlog ofhousing for 55 and older —making it tougher for peo-ple that age to find housingin the future. It also couldpush up the prices buyersmay have to pay, he said.

“Will older adults havethe adequate number ofcommunities that theywill need?” asked Milner,who has been consulted bythe White House on issuesinvolving aging. “It’s stillup in the air.”

Among the three devel-opments in Tolland andEllington, 243 housingunits — a mix of single-family houses and town-houses — were envisioned.So far, just 17 have beensold.

There are early signs,

however, that the conver-sions are likely to jump-start stalled projects.

At Windermere Villagein Ellington, the developer,who broke ground in early2008, went 18 monthswithout a single offer. Atmost there might be threepeople a week coming totake a peek at a develop-ment, where eight unitshave been sold out of 123that were planned.

“I felt like I was one ofthose stores in New Yorkand people were just win-dow shopping,” said Wil-liam H. Coons Jr., the pro-ject’s developer.

Since the age restrictionwas dropped, as of Sept. 1,two buyers — a couple intheir 40s and one in their20s with a young child —have placed deposits onsingle-family houses,

Coons said.Coons and other devel-

opers say the nature of thedevelopments, while nowallowing children, won’tchange radically becausethe homes remain modest,typically under 2,500square feet with two orthree bedrooms and smallyards. Nevertheless, theconversions are rufflingsome neighbors whothought the developmentswould remain age-re-stricted.

MCCLATCHY-TRIBUNEINFORMATION SERVICES

‘Active adult’ developments drop age restrictionsBY KENNETH R.GOSSELINThe Hartford Courant


Christopher Marconi was in theshower when he heard a loud bang-ing on his door.

By the time he grabbed a towel andhustled to his front step, a U.S. mar-shal’s sedan was peeling out of hisdriveway. Nailed to Marconi’s frontdoor was a foreclosure summonsfrom Wells Fargo, naming him as adefendant. But the notice was for ahouse Marconi had never seen — on amortgage he never had.

Tom Williams was in his kitchenthumbing through the mail when heopened a letter from GMAC. It in-formed him that the bank wouldconfiscate his house unless he im-mediately paid off his mortgage bal-ance of $276,000.

But Williams had never missed amortgage payment. And his loanwasn’t due to mature until 2032.

By now, you may have heard thestories of bank robo-signers power-ing through hundreds of foreclosureaffidavits a day without verifying asingle fact. But most of those in-volved homeowners who had stop-ped paying their mortgage. Theywere genuine defaulters. Now a newspecies of homeowner is gettingpushed into foreclosure hell.

People have always loved to com-plain about their banks. The push-button circus that passes for cus-tomer service. The larding on of fees.But the false foreclosure cases arehardly the usual complaints. Thesehomeowners paid their mortgages —or loan modifications — on time.Some even paid off their loans.

Many have to resort to paying alawyer, even after presenting docu-mentation. They say they have to suenot only to stop the wrongful fore-closure but also to attempt to winback their costs.

There are no official statistics for

these homeowners, but lawyers, realestate agents and consumer advo-cates say their ranks are growing.

In November, during foreclosurehearings on Capitol Hill, senator af-ter senator scolded the banks aboutwrongful foreclosures.

“This is the worst I’ve ever seenit,” said Ira Rheingold, an attorneyand executive director of the Nation-al Association of Consumer Advo-cates.

Homeowners in Florida, Nevada,Texas and Pennsylvania have filedlawsuits alleging that they were vic-tims of mistaken foreclosure. Inmany of those cases, the bank wentso far as to haul away belongings andchange the locks on the wronghomes.

One such suit was filed in Marchby Pennsylvania homeowner AngelaIannelli. She was up to date on herpayments when, she said, she ar-rived home in October 2009 to findthat Bank of America had ransacked

her belongings, cut off her utilities,poured antifreeze down her drains,padlocked her doors and confiscatedLuke, her pet parrot of 10 years. Ittook her six weeks to get the bank toclean up the house.

Iannelli’s lawyer said the partiesare in the process of “mutually re-solving the issues,” and the lawsuit is“in the process of being discontin-ued.” Bank of America did not im-mediately respond to a request forcomment on her case.

In Kentucky and California, class-action lawsuits have been filedagainst major lenders on behalf ofhomeowners. “It is mind-bogglingthat these large banks accepted bil-lions and billions of TARP moneyfrom the government, and they arejust committing a fraud on theAmerican people,” said Jack Gaitlin,who filed the Kentucky suit Oct. 4.He was referring to the 2008 govern-ment bailout of the banks, the Trou-bled Asset Relief Program.

Homeowners are caughtin foreclosure problemsBY MICHELLE CONLINThe Associated Press

Christopher Marconi stands outside his home in Garrison, N.Y. Marconiwas in the shower when he heard a loud banging on his door. Nailed tohis front door was a foreclosure summons from Wells Fargo, naming himas a defendant. AP PHOTO

To understand banks’back-office dysfunction,you have to travel back tothe credit bubble of theearly 2000s.

Rising home prices wereturning real estate into thenew national casino. Lend-ing standards evaporated.No job or down paymentnecessary! Banks, mean-while, stopped holding onto mortgage loans andpooled them into securitiesthat were sold to investors.

The banks charged feesfor servicing the mortgages— tasks such as collectingmonthly payments. Thebanks slap on the biggestfees when a borrower can’tmake payments and thebank forecloses.

Now it’s becoming clearjust how chaotic the wholesystem became.

Depositions from em-ployees working for thebanks or their law firmsdepict a foreclosure proc-ess in which it was stan-dard practice for employeeswith virtually no training tomasquerade as vice presi-dents, sometimes signingdocuments on behalf of asmany as 15 different banks.

Together, the banks andtheir law firms created aquick-and-dirty foreclo-sure machine that was de-signed to rush throughforeclosures as fast as pos-sible.

Former employees atbanks and foreclosure lawfirms have testified thatthey also knowingly pushedthrough foreclosures on thewrong people.

The banks say they arereviewing their mortgage

and foreclosure proce-dures, and most of the peo-ple involved in foreclosuredeals were behind on theirpayments. As for peoplewrongly caught in the fore-closure net, they say theyare reviewing those cases,too.

But what emerges fromcourt filings, depositionsand interviews is that oncethe bank places you on itsforeclosure assembly line,it becomes nearly impossi-ble to get off.

The minute ChristopherMarconi ripped the fore-closure notice from thedoor of his house in Garri-son, N.Y., on Oct. 20, hesaw he was named as a de-fendant along with a wom-an who had run a red lightand smashed into Marco-ni’s car four years earlier.Marconi had received apayment from her insur-ance company. It was herhouse, in Rye, N.Y., thatWells Fargo was foreclosingon.

Marconi explained thebizarre mix-up to WellsFargo’s customer servicedepartment, its ethicscomplaint department, itslaw firm and the office ofthe chief executive officer,John Stumpf. Marconi saidthey all told him that theycould not help him and thathe needed to get a lawyer.

Wells Fargo spokeswo-man Vickee J. Adams saidMarconi was named in theforeclosure suit because hefiled a judgment againstthe woman in the car acci-dent. It is common for lienholders to be mentioned inforeclosure documents.But Marconi said the judg-ment against the womanwas satisfied in 2009.

Credit bubble is citedin foreclosure woes BY MICHELLE CONLINThe Associated Press

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$100 OFFWasher/Dryers, FireplacesPC Schools-Townhouses

PARKLANE8100 N. MacArthur Blvd.»»» 721-5455 »»»

Florence Apts-Midtown-1bd 1 ba Studio 600sf,Granite Counter tops,wood floors, CH/A, AllElect, Free laundry $600-650 mo, Downtown view,$400 dep. 409-7989

Plaza Apts-1740 NW 17Art Deco, K Off Move inSpecial! 800ft 1bd 1ba,

cha, all elec, wood or tilefloor, $450mo $200dp.

No sec 8 409-7989

CANTERBURY GARDENMOVE IN SPECIAL

Big 2 Bedroom w/amplestorage, ch&a, Sec. 8 Ok.

Broker 677-9116www.hoppishomes.com

$1 FIRST MONTHYour choice of 1 Beds

ALL BILLS PAID2 Beds also 293-3693

DREXEL ON THE PARK

Mesta Park 804 NW 21K Off Special

2bd 1ba 1000sf wood flrs,ch/a Free Laundry $600mo$300dp 409-7989 no sec8

Oakwood 5824 NW 341bd 1ba $325mo $175dp

800sf K off special409-7989 no sec 8

1 Bedroom Furn/Unfurnstarting at $450 peacefulnr NW 23rd & MacArthur,No Section 8. 370-0278

Furnished/UnfurnishedBills Paid» Wkly/MonthlyWes Chase Apts, Elk HornApts, Hillcrest 943-1818

Putnam Heights Plaza1 bed, ch/a, Dishwasher

1830 NW 39th 524-5907

800 N. Meridian: 1bd, allbills paid & weekly ratesavailable. 946-9506

1417 NW 17th2bd 1ba, 1000sf, $500rent, $300 dep 409-7989

MAYFAIR 1 & 2 bds, shopssecure nghbrhd livg. washdryr hrdwd flrs 947-5665

’ $300 Deposit & 1stMonth FREE - 1 & 2bds

Sunrise Cove 943-0907

» MOVE IN SPECIAL »LARGE 1, 2 & 3 BEDS

Rockwell Arms, 787-1423

Quiet Casady!2 BD$525 751-8088

•ABC• Affordable, Bugfree, Clean » 787-7212»

1 & 2 beds, D&S Apts,6101 S Klein Ave. ch&a,

No Sec 8. No Pets.631-2383

$99 SPECIALLg 1bdr, stove, refrig.,clean, walk to shops.$325 mo. 632-9849


$99 Move In Special!!!Lg 1 and 2 Bdr, $325 to

$395 mo. 632-9849

$285&up FurnishedEfficiency2820 S Robinson 232-1549

»»»»»»»»»»»»»» Yukon All Bills Paid »» 1 bd From $495 Move»» 2 bd From $595 In»» 3 bd From $695 Today»» Open7days/wk354-5855»»»»»»»»»»»»»

Gated NANTUCKET CondosAll appliances, 2bd, 2ba,$700 mo» 488-4951

1 bed, 1 bath NantucketCottage, no pets/smok-ing, $675, 405-850-7777

PC Schools, 1600', 2/2/27115 NW 30 & RockwellAppt only $750 843-5853

OLDETOWNE2 bed, 2 bath, 2 miles to

Tinker, 769-7177.

2 bed, sec 8 ok, $500 mo$25 Move In Special.

704 NE 25th, 204-4308

2 bed, ch&a, $500 mo sec8 ok, $25 Move in Special1537 NE 42nd, 204-4308

Model Open 10-4New Luxury Duplex

13516 Brandon Place3/2/2, fp, Deer Creek

Schls, near Mercy842-7300

1808 N Robinson, upstairs2bd 1ba 1car, 1200sf,

washer, dryer, $725 rent,$400 dep 409-7989

K Off Special2317 Woodward, 1bd 1ba1car 1000sf, $550 mo,$400 dep, 409-7989

1 bd brick, ch&a, W/Dhkup, appls $450/$250dep4714 N Harvard 943-4303

1 bed, appliances,1310 NW 15th, $350 moplus deposit. 812-3348

K Off Special6527K Avondale 2/1/1

1100sf $950mo $800dep or6523Avondale 3bd 3.5ba2car 2300sf $1200/mo

$1200dp 409-7989 no sec8

Duplexes, 3 bed, 2 bath, 2car, some new, some gat-ed, call Rick, 405-830-3789.


2-4 Bed Houses• 4216 SE 25, $700• 3912 SE 11, $495

hoppishomes.com677-9116, broker

1321 Beachwood Drive3/1.5/2 $675

681-7272

Park Lane Estates912 Blue Ridge DriveGreat location, great

school, and ready for youto move in! Small pets

allowed. 3bed, 2ba, 2 CarGarage, 1FP, Ranch

Home, $1100 per monthConnie at

405-826-2226

Coffee Creek!3 bed, 2 bath + office,community pool/club

house, $1295. 245-3166

3 BR, 1.5 BA, 2 car gar,NW 164th and Westernarea. 550-4287

3 bed, 1K bath, familyroom, fp, large kitchen,

large storage, $695 mo +dep, 621 Royal, 412-7013

408 Babb, 1 bed, 1ba,central heat/air, ceilingfans, fenced back yard,$475/mo., 405-413-1830.

500 sf, 10th & MidwestBlvd. no yard, no garage,$350 dep. $500 mo allbills paid. 550-2970

214 W Michael. Sharp 2bdbrick home ch/a, fenced,clean, $550 Fidelity RE410-4200, 692-1661

1002 Bell Dr. Immac 2/1/1,no pets/smoker $650 + dep.705 Holoway Dr. updated

sale. 3/1.5/1 787-8099

3504 Woodside 3bd $5003709Woodsde3bd sec8$600

FLESHMANS INC235-5473 or 314-3551

321 Ercoupe Drive, 2 bd,1 ba, ch&a, fenced, $599rent, $500 dep, 413-4252.

3 bed, 1 bath, W/Dhookup, dishwasher,

405-246-9378

1916 Turner, 3 bd, 1 ba,ch&a, W/D hkup $700mo

$525dep. 701-1722

3 bed, 1 bath 2 cargarage, sec 8 only,no pets, 672-0877

Nice 1bed 1bath on largelot. washer & dryer incl.

$475mo 837-2223

933CrabtreeCove3/1/1 $5951041SycamoreDr3/1/1 $475

681-7272

3 bedroom 1.5 ba, 2 cargarage, nice! Section 8ok! $650 » 476-5011

13125 Moccassin 3bd 2ba2car Eastlake Estates,fireplace, ch/a, largeyard, Westmoore Schls$995 mo. Fidelity RE410-4200, 692-1661

3 bed, 1 bath, no garage,ch&a, fenced bkyd, rent orlease purchase; $650 mo,$500 dep; $2000 down onlease purchase, ownercarries note; 326-6081.

Rent, Rent to Own605-54772bd from $395-5953bd from $450-8954bd from $595-995housesforrentofokc.com

Nice 3 BR, 1.5BA, 2 cargar, aprx 1150sf $800mo,$800 deposit. 833-5510

3 bed, 1.5 bath, gar, newch&a, 522 Carson, $735.Available Now. 376-5846

Several houses for rent,OKC area, 2, 3 & 4 bed,sec 8 welcome, 412-8083

1236 NE 48th 3bed 1bath2 living 2car $725

681-7272

ABSOLUTELY GORGEOUS3bd 2ba wood floors,

slate tile. Too much to list!6008 SMITH BLVD

$1175mo ¡¡¡ 401-9146

1514 NW 17th ColonialHome 4bd 2ba 2car 2000sfwood floors large kitch,mature trees $1150/mo$1000dp 409-7989 no sec8

1513 NW 47th 2bd $450312 NW 90 3bd Sec8 $475220 NW 90th 3bd $600

FLESHMANS INC235-5473 or 314-3551

K Off First Month Rent2100 NW 114th Amazing3bd 2ba 2 car plus study$1095mo $1095dp 1600sf

409-7989 no sec 8


2 bedroom, 1 car at-tached garage, appli-ances, large yard, May-fair area, $500, 810-2951

2 story 3bed 2.5 bath 2car garage. PCN schools.Large fenced back yard

$1000mo 414-2358

Elegant 3BR ExecutiveHome. Marble, granite.Rare, never rented,2300sf $1645 255-4300

2141 W. Eubanks,4 bed 2 bath, fenced

yard, pets ok, no sec. 8,$600+$400 dep 525-4374

Nice 1 & 2 bed homesavailable, ready forimmediate move in,

Please Call 405-831-4183

2 bed, 314 N McKinley,fenced yard, $375 mo,$150 dep, 639-0556.

Very nice 3 bed, 1 bath,den, fenced, ch&a, sec 8

ok, no pets, 680-9299

1609 NW 15th 3bd 1bawood flrs, 1400sf, ch/a$700mo $500dp 409-7989

231 NW 81st St.$775. 4 bed, 2 bath,

229-7437

For 3bd or 4bd homes& apartments, go tokatpropertiesllc.com

1033 Hoyt 3/1/1 $5753232 NW 28th 2/1 $475

681-7272

7409 NW 30th Terrace3/2/2 $1200 mo

TMS Prop 348-0720

343 SE 49th spacious2bd home, ch/a, largecorner lot, completelyfenced $550 mo FidelityRE 410-4200, 692-1661


529 SE 72nd 3/1.5 $5502525 SE 45th 3bd 1bagar converted to liv $550

681-7272

2414 SE 45th 3bd 2ba2car, brick, ch/a, Sec 8ok, corner lot $695 moFidelity 410-4200 692-1661

701 SE 61st, 3/1/1, nice,must see, ch&a, w/dhookups, 405-436-4648.

LG 2 bd, 1 ba, $400+$300dep. SW Lg. 1bd 1 bath

$350+$300 dep, 631-8220

5209 Bodine, Nice 3bd 1ba1 car $550 • 732-3411

1616 SW 68th 3/1/1$695600 SW 49th 2/1/1 $5751217 SW 50 2/1/1 $5501100 SW 38 2/1/1 $4753133 SW 28th 3/1 $4503009 SW 20th 2/1 $4502401 SW 43rd #7 1bdapt, total elect, waterpaid $325

681-7272

New Rivendell ExecHome 408-4168

Luxury indoor pool & spaFully equip'd media &wrkout rooms $5100/moOpenhouseok.com

605K SW 34th1bd home, ch/a, fridge,stove, washer/dryer hkp,water & garbage paid$375 mo. Fidelity RE410-4200, 692-1661

1160 SW 77th Terracesharp 2bd duplex, ch/a,fireplace, fenced yard,only $695 Fidelity RE410-4200, 692-1661


K Off Special5215 S Land 3bd ba 1car1000sf $725/mo $400/dp

409-7989 no sec 8

3 bed, 1 bath, 1 car541 SW 61st Terr. Nopets. $600/mo $300 dep.No section 8. 799-4229

4bed, 1 bath, $695 mo,$550 deposit, 2530 SW51st. sec. 8 ok, 314-8541

2bd, 1ba, stove, fncdback yard $425mo + dep.

no pets. 410-7025

517 SW 47th, nice 3 bed,1 bath, ch&a, $675 mo,$350 dep, 408-9258.

2bd/1ba, ch&a, fncd, w/dhkup, 4508 S. Robinson,

$450, no sec. 8, 503-5742

1427 Rancho, 3 bd, 1 ba,ch&a, W/D hkup $600mo

$450/dep. 701-1722

3/2/2 Totally remodeled,1200 sf. $850+ $700dep.

NO PETS 2529Manchester Dr. 340-3058

Elegant 3BR Exec HomePark-like yard on creek,cul-de-sac, never rented,1900sf, $1375 255-4300

For sale or lease, 3 bed,2 bath, ch&a 5907 S. Bill.Please call if interested,948-6388.

Russell's Mobile Home Park405-677-5219 2or3bd Spe-

cial 1st moK price + dep. Or6 mo lease, get 7th mo Free

3B2B 16x80SW OKC $695 includesLot Rent $300 Deposit

388-2882

For rent or sale in Nor-man, nice 3 bed, 2 bath,all appliances, call for in-formation, 408-9258.

$ FREE RENT 1ST MO $2BR $350+, 3BR $450+,

MWC NO PETS 427-0627

Commercial RE

Established Business For Sale

Farms, RanchesFor Sale, Okla. 308

Farms, RanchesFor Sale, Okla. 308

Acreage For Sale 302

Del City 313

Bethany/Warr Acres 311

RE for sale

Moore 318

Norman 322

Yukon 330

Piedmont 327

Open Houses 334.2

Mobile Home Parks Community/Acreages 338

Mobile Homes, Manufactured Houses 339

Real EstateAuctions 342

Real EstateWanted 346

Real EstateNotices 345

Yukon 438

MWC 446

Moore 425

Edmond 422

MWC 424

Condominiums,TownhousesFor Rent 441

OKCSouthwest 433

Bethany/Warr Acres 442.5

OKCNorthwest 431

OKCNorthwest 431

Duplexes

Apartments

OKCNorthwest 453

OKCNortheast 452

Village/Nichols Hills 459.5

Hotels/Motels 462

Yukon 460

Garage Apartments 461

RE for rent

MWC 468

Edmond 466

Edmond 466

Del City 465.5

Mustang 470

Moore 469

Norman 473

OKCNorthwest 475

OKCNortheast 474

Mobile HomeRentals 483

OKCSouthwest 477

OKCSoutheast 476

Business Property For Sale 351

IndustrialProperty 336

Offi ce SpaceFor Rent 363

Business Property For Rent 360

Investment Property For Sale 355

Village/Nichols Hills 481.5Suburban, NE

(Luther, McLoud, Meeker, Wellston, etc.) 331


Oklahoma CityRoyal Oaks Develop-

ment, 6509 W Reno Ave.,office-warehouse, erect,$3,500,000.

Case DevelopmentCorp., 501 Pointe ParkwayBlvd., apartment, erect,$1,329,600.







Case DevelopmentCorp., 501 Pointe ParkwayBlvd., apartment, erect,$946,800.

Case DevelopmentCorp., 501 Pointe Parkway

Blvd., apartment, erect,$946,800.


Dell Inc., 3501 SW 15,business, remodel,$920,000.

Don Chesser HomesInc., 8101 E MemorialRoad, residence, erect,$345,000.

Willco Homes LLC,16716 Little Leaf Lane, res-idence, erect, $320,000.

Don Chesser HomesInc., 19804 Crest RidgeDrive, residence, erect,$300,000.

Don Chesser HomesInc., 19800 Crest RidgeDrive, residence, erect,$290,000.

Seagull Fine HomesInc., 5604 NW 130, resi-dence, erect, $275,000.

Seagull Homes, 5608NW 130, residence, erect,$250,000.

Baer Hall Homes, 15001Bay Ridge Drive, resi-dence, erect, $230,000.

Jason Powers Homes,8604 NW 113 Court, resi-dence, erect, $230,000.

Timothy Sikes, 4800Cedar Mill Road, resi-dence, erect, $225,000.

Dell Inc., 3501 SW 15,

business, remodel,$220,000.

308 Design Build LLC,1133 NW 56, residence,erect, $220,000.



Olde Towne HomesLLC, 1037 SW 108 Terrace,residence, erect,$220,000.


Olde Towne HomesLLC, 1033 SW 108 Terrace,residence, erect, $215,000.







Case DevelopmentCorp., 501 Pointe ParkwayBlvd., apartment, erect,

$207,100.Case Development

Corp., 501 Pointe ParkwayBlvd., apartment, erect,$207,100.


R&R Homes LLC, 3201Sahoma Trail, residence,erect, $189,500.

MHU LLC, 4811 Gaillar-dia Parkway, office, re-model, $178,000.

Vesta Homes Inc., 5009SW 124, residence, erect,$171,000.

Mashburn Faires HomesLLC, 3137 SW 139, resi-dence, erect, $165,920.

Tom Vonderlandwehr,9104 Scarlet Blvd., resi-dence, erect, $147,000.

Sooner Traditions LLC,2412 NW 194 Terrace, resi-dence, erect, $100,000.

Central Oklahoma Hab-itat For Humanity, 8516 NPhillips Ave., residence,erect, $80,000.

Central Oklahoma Hab-itat For Humanity, 633 NE85, residence, erect,$80,000.

Central Oklahoma Hab-itat For Humanity, 528 SE26, residence, erect,$80,000.

Central Oklahoma Hab-

itat For Humanity, 2921NW 13, residence, erect,$80,000.

Cornerstone GroupLLC, 10612 SW 32, resi-dence, erect, $70,000.

Cornerstone GroupLLC, 10709 SW 31 Court,residence, erect, $60,000.

Case DevelopmentCorp., 501 Pointe ParkwayBlvd., clubhouse, erect,$57,900.

No name provided, 2728W Reno Ave., manufac-turing, remodel, $40,000.

No name provided, 2732W Reno Ave., office, re-model, $40,000.

Morrison, 4400 SShields Blvd., parking, in-stall, $40,000.

Florida Construction,3216 Sahoma Trail, resi-dence, erect, $40,000.

Florida Construction,10721 SW 31 Court, resi-dence, erect, $40,000.

Florida Construction,3236 Tenkiller Court, resi-dence, erect, $40,000.

Jose Guzman, 3028 SW25, residence, fire restora-tion, $28,000.

Jim Bowers, 17409Hawks View Court, resi-dence, add-on, $25,000.

Morton Buildings Inc.,13800 N Richland Road,storage, erect, $25,000.

No name provided,4045 NW 64, office, re-model, $20,000.

Callahan Steel Buildings(Curt), 12525 N MorganRoad, storage, erect,$20,000.

Keith Darrow, 11800 SW119, manufactured home,move-on, $18,000.

Harper Construction,12341 Spring MeadowsRoad, storage, erect,$17,500.

Emmanuela Guerrero,5421S McKinley Ave., resi-dence, remodel, $15,000.

A&L Royalty HoldingsLLC, 3916 NW 25, resi-dence, add-on, $5,000.

Architects Collective,501 Pointe Parkway Blvd.,apartment, erect, $3,900.

Al Bruning, 1205 NW 34,canopy-carport, add-on,$3,750.

Renato Puentes, 40 SW55, accessory, add-on,$3,500.

Biggs Backhoe & Truck-ing, 12301 S Peebly Road,storm shelter, install-storm shelter, $2,500.

DemolitionsCrosby Construction,

17117 SE 59, house.Crosby Construction,

5600 Sunset Ridge Road,house.

Oklahoma Citybuilding permits

EDMOND — Joe Pryor,sales associate with Red-bud Realty & Associates,was installed as 2011 presi-dent of the Edmond Boardof Realtors.

Other officers installedare: Ryan Litz of KellerWilliams Realty, presi-dent-elect; Toni CoxSchuster of RE/MAX As-sociates, vice president;Chip Chipman, Century 21Goodyear Green, treasur-er; and Karen Blevins ofChurchill Brown & Associ-ates, secretary.

Newly elected directorsinstalled are: VictoriaCaldwell of RE/MAX As-sociates; and Phil Kalivodaof Keller Williams Realty.They will serve with con-tinuing directors PatriciaAyling of Keller Williams

Northwest; Connie Ha-milton of RE/MAX Asso-ciates; Robin Harris ofKeller Williams Realty;Kathy Sparger of Century21 Goodyear Green; andCarol Stephens of Pruden-tial Alliance.

Jerry Payne of KellerWilliams Realty wasnamed Realtor of the Yearfor 2010. Joseph “Chip”Chipman of Century 21Goodyear Green was

named Most CooperativeRealtor of the Year. HelenSyler of with AHS/Pres-tige Home Warranty wasnamed 2010 Affiliate of theYear.

Lifetime AchievementAwards were presented toRobin Harris of KellerWilliams Realty; JerryPayne of Keller WilliamsRealty; and Joe Pryor ofRedbud Realty &Associates.

FROM STAFF REPORTS

Joe Pryor Jerry Payne Chip Chipman

Board of Realtors installs new officers

the oklahoman real estate

Documents

army officer onher purchase

property values

appraised value

ed deicer

metal pail

home search

stronglongterm value

asizable number ofself