1112 Home and Real Estate

Saturday Reporter-Herald N ove m b e r 12, 2011 E1

www.reporterherald.com Saturday, November 12, 2011 Reporter-Herald

Real EstateMatters

• •

� See GLINK/Page E4PPPaaagggeee EEE222

Inside this week’s edition of Home & Real Estate

Home purchasesand foreclosures inNorthern Colorado

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

View listings ofr entals,

homes for sale

Real EstateClassifieds

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1950, average fridge size: 9 cubic feet and 360 kWh/year1070, average fridge size: 15 cubic feet and 1,700 kWh/year2004, average fridge size: 29 cubic feet and 420 kWh/year

19502004

Consideroptions withu n d e r wa t e rhome

w w w. n o c o e n e r g y s t a r h o m e s. o r g

Building a homeis a

SYNERGISTprocess

Bringing materials together toachieve something they couldnot on the own.PAID A D V E RT O R I A L

Building Science looksat how all the systemsin a home work to-

g e t h e r.The EPA (Environmental

Protection Agency) and DOE(Department of Energy),through the Energy Star pro-gram set out 15 years ago,began the mission to developa Building Science base pro-gram that creates homesthat perform and aredurable, comfortable, healthy

and efficient.This is achieved through

delivering homes that arehigh-quality and meaningful-ly more efficient than homesbuilt to standard codes.

Energy Star achieves thiswith rigorous specificationswith consistency anddeliberately increasingrequirements.

With the continuedadvancement in the buildingscience, material and prod-uct design, Energy Star hasincorporated these new tech-

nologies into the design stan-d a rd s .

Appliances are a good ex-ample of increased standardsand performance.

As standard building codeshave increased, Energy Starhas started implementingnew standards with their Ver-sion 3 Energy Star program.All Energy Star builders mustmeet all of the new require-ments by 2012. In 2010, theEPA started looking at thestandards and making revi-sion giving builders time toimplement these revisions.

The Energy Star programin the design standards hasalways looked at:

• Air flow• Thermal flow• Moisture flow• Additional features• HVAC efficiency• Third-party verificationsVersion 3 requirements

look closer at:• Air flow and pressure

balancing• Thermal Flow and the

types of insulation available,with emphasis on properinstallation per the manufac-tures recommendations.

• Moisture flow and the re-lationship to the ventilationin the home. Water manage-ment and ensuring drainage

away from the home.• Additional features that

included lights and appli-ances that have Energy Starlabel.

• HVAC quality installa-tions with required thirdparty verification continue toprovide home owners withhomes that are above codeand at least 15 percent moreefficient.

Visit the Northern Col-orado Energy Star websiteand find your Energy Starhomes builder in NorthernColorado today.

ILY C E GLINKTRIBUNE MEDIA SE RV I C E S

Question: I need guidance onwhat to do with my house.My wife, my preschooler, my

infant and I are living in a housethat we owe $90,000 on and that webought eight years ago for about$100,000. Comps in our neighbor-hood put the current value of ourhouse at about $50,000.

Three foreclosures recently resoldfor about $40,000 to $50,000 in myneighborhood in the last year. Thosehouses were very much like mine insize, age, condition and lot dimen-sions. We have an adjustable ratemortgage with a current interestrate of 3.7 percent. The “m a rg i n ” onour loan is 3.5 percent, which is fan-tastic, and the loan is tied to theone-year Treasury Note.

This is not our forever house. Welive about 45 minutes from wherewe want to establish long-term roots(different county, resources and op-portunities for the kids). We boughtthis house as our first home andplanned on living here five to sevenyears.

We can afford the house without aproblem. There is no issue there.What concerns me is being tied tothe house until such a time that wecan sell it and at least break even. Ata yearly appreciation of 3 percent,that would take 25 years. I don’tknow how this is going to shake out,but I am certain of where I am cur-rently. I can buy houses in my area,right now, just like mine, for half ofwhat I currently owe.

I can’t see paying for a house thatis worth half of what I owe and willtake so long to recoup to get backto where I started eight years ago.What questions should I be askingmyself to help me make a decisionabout what to do? What are mymost responsible options?

Answer: Yo u ’re already asking theright questions. Now you have toconsider the consequences of theanswers.

Yo u ’re right: it may be years beforethe value of your home recovers towhere it was when you bought it.Fortunately, you have the ability andthe means to pay your debts andkeep your home. You even have oth-er options available to you.

When property values were in-creasing rapidly, people never ques-tioned selling their current homeand buying another one for quite abit more money. It was not uncom-mon to see a person sell a home for$200,000 and buy a new one for$400,000.

The current market may have sim-ilarities but with different emotions.That home that was worth $200,000may be worth $100,000, and the$400,000 house may be worth$200,000. If you purchased thehome for $200,000, you may feelterrible that the home is now worthhalf of what it was worth, but if youare planning to trade up to another

www.HomeStateBank.com970-203-6100

Check the license status of yourmortgage loan originator at

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

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

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

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

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

Think big Bank small

UP TO $199,999

$400,000 - $499,999

$200,000 - $299,999

$300,000 - $399,999

E2 Saturday Reporter-Herald N ove m b e r 12, 2 0 1 1

Mortgage rate update

30-year fixed

15-year fixed

5/1 ARM

This week Last week Tre n d

4.09%

3.40%

3.01%

4.08%

3.38%

3.02%

Home & Real Estate is producedevery Saturday by the

Loveland Reporter-Herald.

Regional Snapshot for Loveland/Berthoud Residential

Ju ly Au g u s t September

Active Listings 978 860 842Previous Year Active Listings 1092 1054 1027

Sold Listings 134 154 115Previous Year Sold Listings 111 102 114

Median Sales Price $208,958 $223,700 $209,275Previous Year Median $238,000 $192,000 $196,000

Average Days on the Market 103 107 136Previous Year ADOM 122 121 122

Year to Date Listings Sold 810 964 1079Previous Year YTD Listing Sold 839 941 1055

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

Advertising: For advertisinginformation, call Dan Grassmeyer.

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

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

This cute one level home offers new roof, newfurnace, new carpet, remodeled bathroom w/tile. Open kitchen w/eating bar. Large lot withmature landscaping. Great location. Offeredat 169,900.

2265 Arikaree Ct., Loveland

QUICK CLOSING PREFERED!

Dominic EastColdwell Banker970-412-7743

[email protected]

OPEN Saturday 9-11 2+Acre Lake front& horse lots starting $225,000 water tapincluded. Surface rights, walk paths, parks,boat docks, fishing and peace garden.

Warberg Farm at Chapman Reservoir

OPEN SAT 9-11 PM

Kurt AlbersCentury 21 Humpal, Inc.970-231-1224kurtd57@msn.comwww.warbergfarmatchapmanreservoir.com

Maintenance FREE* Patio Home-Great openfloor plan-Split 3 bdrms - Upgrades anddesigner tile! Alder doors, trim & cabinets,5 pc. master bath. Stone fireplace. 2 1/2 cargarage. MLS#666495. $339,900

3480 Peruvian Torch Drive, Loveland

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

Venna HillmanERA Herman Group/Glen [email protected]

Peakview Meadows Sales office openThursday thru Monday from 1-4 Prices startingat $195,900. 5 Models to choose from.

Peakview Meadows, Berthoud

SALES OFFICE OPEN

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

Energy Star - Built Green/Built Better! SAVE$35,000 this weekend! 3 BR, 3 BA, large 24’deep 2-car garage, sprinkler system, fullbasement, A/C, backs to greenbelt. Pastbuilders showhome. $219,900

4478 Hayler Avenue, Loveland

OPEN HOUSE SAT & SUN 1-4 PM

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

Upscale Patio Home - Just completed, 2bedrooms plus office. Slab Granite island,Solid wood doors, Knotty Alder cabinets,plus more! Amazing mountain views fromyour deck. MLS# 661675 - $383,000

3489 Peruvian Torch, Loveland

JUST COMPLETED! NEW PATIO HOMEOPEN HOUSE 12 TO 4 THURS.-MON.

Venna HillmanERA Herman Group/Glen [email protected]

Spectacular ranch-style home offeringpremium finishes throughout. Open floor planw/10 ft ceilings, designer kitchen, finishedbasement, slab granite, wood floors, front &back landscaping. $499,900

1187 Coral Burst Dr. - Crescendo Village in Alford Meadows

OPEN SATURDAY & SUNDAY 12-4

Ron McCrimmonFuller Sotheby’s International Realty970.214.2763AlfordMeadows.comwww.RonMcCrimmon.com

2 Story, 4 Bedroom, 2 1/2 bath, Open Floor Plan, CornerLot, built in 2007, brand new roof, gutters, and carpet,fenced yard, across the street from a park. 3 car garage, airconditioning, sprinkler system, full unfinished basement. AMust See in Kendall Brook Subdivision. $325,000

1965 Alabama St., Loveland

OPEN SUNDAY 1-4 PM

Dee Nail970-391-9669

UP TO $199,999UP TO $199,999

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

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

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

Featured Properties

WWW.HOMEANDREALTYGUIDE.COM

CLICK ON OPEN HOUSE MAPS

For information on how a Realtor may add a listing, call Dan Grassmeyer at the LovelandReporter-Herald at 970-635-3615 or

email: [email protected] can join our on-line realtor community at:

colonews.com/FeaturedProperties_RH/featured_newclient.phpFor details about these open houses, see the ads in this section.

For additional open house listings, please check the “Real Estate Classifieds” section of thispublication or on line at, reporterherald.com where you can find all of the information in todays

Real Estate Weekly.This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.

saturday sundayPrice: Location: Address: Time: Office/Contact: Phone:

From the $140’s* Loveland 43rd St & Wilson AveThe Cottages at Enchantment Ridge

12-5 PM Cottage Realty 970-215-0515

$150,840 NE Loveland 4905 Hahns Peak #103 11 AM-3 PM RE/MAX Alliance-FTC Downtown, Jeremy Johnson 970-313-6166

$169,900 Loveland 2265 Arikaree Court Call for Appointment Coldwell Banker, Dominic East 970-412-7743

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

From $169,900 Loveland 1899 East 11th St. 10 AM-6 PM Midtown Homes, Boise Village North, Wayne Lewis 970-456-4600

Starting at $195,900 Berthoud Peakview Meadows 1-4 PM Century 21 Humpal, Inc., Kurt Albers & ChrisRampone

970-231-1224,970-430-0845

Starting in the $200’s Windsor 292 Saratoga Drive 1-4 PM The Group Inc., Real Estate, Jim Watson 970-219-5219

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

$210,000 NW Loveland 1015 W 32nd 1 PM Sharp! RE/MAX Alliance-Loveland, Kathy Standiford 970-679-1686

$215,000 Loveland 273 Harding Court 1-3 PM The Group Inc., Real Estate, Kim Summit 970-689-6950

$219,900 Loveland 4478 Hayler Avenue 1-4 PM Cottage Realty 970-532-5900

Starting at $225,000 Berthoud Warberg Farm At Chapman Reservoir 9 AM-11 AM Century 21 Humpal, Inc., Kurt Albers 970-430-0845

$235,000 Loveland 1506 Gloria Ct. 1 to 4pm ERA Tradewind, Rod Carlson 303 517 4713

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

$249,900 Berthoud 1621 Hollyberry 1-3 PM RE/MAX Alliance-Loveland, Kathy Beadell 970-290-1798

$298,664 Loveland 4355 Ridgway Dr 12-5 PM Cottage Realty 970-227-3893

$299,000 Loveland 2892 Ariel Drive 1-3 PM The Group Inc., Real Estate, Georgena Arnett 970-481-9801

$299,900 Loveland 1920 New Hampshire St 12-5 PM Cottage Realty 970-227-3893

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

$329,900 Windsor 4613 Free Hold Drive 12 Noon-5 PM The Group Inc., Real Estate, Kristen Specketer 970-290-8097

$335,000 Loveland 2890 Carina Circle 1-3 PM The Group Inc., Real Estate,Georgena Arnett 970-481-9801

$339,900 NW Loveland 3480 Peruvian Torch 12:00-4:00 PM ERA Herman Group NoCo/Glen Marketing 970-663-4522

$342,000 NW Loveland 1/4 mile west of Wilson on 14thStreet/SW/HWY 402 to the DakotaGlen Subdivision

12:00-4:00 PM ERA Herman Group NoCo/Glen Marketing 970-663-4522

$350,000 Loveland 4554 Cushing Drive 1-3 PM The Group Inc., Real Estate, Cindy Kurtz 970-962-6832


$499,900 Loveland 1187 Coral Burst Drive, CreshendoVillage At Alford Meadows

12 Noon - 4 PM Fuller Sotheby’s International Realty, Ron McCrimmon 970-214-2763

Price: Location: Address: Time: Office/Contact: Phone:

From the $140’s* Loveland 43rd St & Wilson AveThe Cottages at Enchantment Ridge

12-5 PM Cottage Realty 970-215-0515

$150,840 NE Loveland 4905 Hahns Peak #103 11 AM-3 PM RE/MAX Alliance-FTC Downtown, Jeremy Johnson 970-313-6166

$169,900 Loveland 2265 Arikaree Court Call for Appointment Coldwell Banker, Dominic East 970-412-7743

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

From $169,900 Loveland 1899 East 11th St. 10 AM-6 PM Midtown Homes, Boise Village North, Wayne Lewis 970-456-4600

Starting at $195,900 Berthoud Peakview Meadows 1-4 PM Century 21 Humpal, Inc., Kurt Albers & ChrisRampone

970-231-1224,970-430-0845

Starting in the $200’s Windsor 292 Saratoga Drive 1-4 PM The Group Inc., Real Estate, Jim Watson 970-219-5219

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

$219,900 Loveland 4478 Hayler Avenue 1-4 PM Cottage Realty 970-532-5900

$220,000 Berthoud 660 Mt. Massive Street 12 Noon-2 PM The Group Inc., Real Estate, Cindy Kurtz 970-962-6832

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

$249,900 Berthoud 1621 Hollyberry 1-3 PM RE/MAX Alliance-Loveland, Kathy Beadell 970-290-1798

$298,664 Loveland 4355 Ridgway Dr 12-5 PM Cottage Realty 970-227-3893

$299,900 Loveland 1920 New Hampshire St 12-5 PM Cottage Realty 970-227-3893

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

$325,000 Loveland 1965 Alabama St. 1-4 PM Assist2Sell, Dee Nail 970-391-9669

$329,900 Windsor 4613 Free Hold Drive 12 Noon-5 PM The Group Inc., Real Estate, Kristen Specketer 970-290-8097


$342,000 NW Loveland 1/4 mile west of Wilson on 14thStreet/SW/HWY 402 to the DakotaGlen Subdivision

12:00-4:00 PM ERA Herman Group NoCo/Glen Marketing 970-663-4522

$350,000 Loveland 3555 Capitol Peak Drive 1-3 PM The Group Inc., Real Estate, Emily Waller 720-231-7183

$350,000 Loveland 3508 Moffat Avenue 2-4 PM The Group Inc., Real Estate, Stephanie Soule 970-214-2452


$499,900 Loveland 1187 Coral Burst Drive, CreshendoVillage At Alford Meadows

12 Noon - 4 PM Fuller Sotheby’s International Realty, Ron McCrimmon 970-214-2763

reporterherald.com e-Edition

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Saturday Reporter-Herald N ove m b e r 12, 2011 E3

H& Real Estate TransactionsRE

viewmore properties at:

Each office independently owned &operated

vvvviiiiieeewwwwmmmmmmoooo

750W.Eisenhower Blvd., Loveland669-1234www.HomesInColorado.com

134 Sweet Clover Ct, LovelandBeautifully remodeled Custom On Site

semi-custom home in Mariana Butte Golf

Course. Lake/Mountain view.Wrap around

deck.Gourment kitchen, granite, hardwood,

NEW everywhere. 9’ ceiling

in finished basement.$399,900 | MLS #654498

Call Coleen [email protected]

OPEN SUNDAY 1-3 P.M.0 Rossum Dr, Loveland

WOW!The last lot with deeded recreationrights on Buckingham Reservoir in Mari-ana Butte Golf Course reduced $40,000!Lake allows fishing/non-motorized water

craft. Panoramic views ofwater/mountains.$310,000 | MLS #652947

Call Coleen [email protected]

3539 Pinewood Ct, JohnstownLoveland schools, just south of Centerra indesirableThompson River Ranch.True luxury!This original owner put in all the upgrades. 4Bedrooms/4 Baths. Gourmet eat-in kitchen:

Granite island, stainlessappliances and gas stove. Gas

fireplace. Huge loft.$309,000 | MLS #668137

Call Jeanette [email protected]

JUST LISTED

www.114Southside.com Ft. CollinsThis home has pleasing featuresthroughout. Gourmet kitchen/walk-inpantry, wood floors, main floor laundry& garden level basement. Landscaping

feels like a private park inthis quiet cul-de-sac.$387,500 | MLS #653446

Call Nanci Garnand622-1846 | 227-1327www.LivingInFtCollins.com

www.1432SevenLakes.comLovely 2-story with cozy main floorliving and two decks! Kitchen featuresgranite counters, maple cabinets andpantry. Fireplace warmth with framed

view of water. Part ofSeven Lakes North HOA.$377,500| MLS #661627

Call Nanci Garnand622-1846 | 227-1327www.LivingInLoveland.com

369W. 9th Street, LovelandAbsolutely charming 4 bdrm, 2 ba home!Spectacular kitchen remodel. Lots ofupdating, care & character. Corner lot.Updated baths. Must see! Hwy 34, S on

Garfield, W on 8th, N onGrant,W on 9th.$199,750 | MLS #667941

Call Amber [email protected]

NEW NORTHERN COLORADO HOMES

Megan Wachtman8z Real Estate

Broker/Owner970-217-7977

www.MeganWachtman.8z.comwww.cohomefinder.com

A better way to buy and sell a home in Colorado!

Priced from $270K

www.CosBuilders.com

Priced from $210K

New Construction

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

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""# $ %% �� &� '��+ ,� �� - �� .�� 0�� 11�2%�11

NW Corner of Wilson & 43rd St.

$6,000 BUILDER INCENTIVETHIS MONTH**

Imagine the warmth of sunlit rooms. Become agourmet chef in a state of the art kitchen. Openfloor plans, 3-4 bedrooms, 5 piece baths, 3-4 car

garages. (12 models & 50 lots to choose from)

43RD ST.

TAFT

GEOR

GETO

WN

Sales Center4355 Ridgway Drive, Loveland

OPEN SAT & SUN 12-5 PMSTARTING IN THE MID $200’S

4 MODELS TO TOUR!STARTING IN THE MID 200’s

970-227-3893

� $3,000 BUYER CREDIT

MONTHLY PAYMENTS

� STARTING AT $999� OVER �� MODELS

� CONNECTED TO CITY TRAIL

GREAT VALUE

GREAT COMMUNITY

GREAT LOCATION

NEW HOMES

FROM

$169,900 - $229,900

Sales Office Open 10-6 Daily1899 East 11th Street, Loveland, CO 80537

Phone: (970) [email protected]

FHAApproved Community

��

Real Estate Transactions aresupplied by Prospects UnlimitedInc., 1151 Eagle Drive No. 467,Loveland, CO 80537, 667-1537.

L oveland• Karen Thurman from Allen

Glenna Eddy Living Trust, 212Mustang Dr, Loveland,$400,000, home

• John Beerman from Her-bert Becker, 422 W 13th St,Loveland, $284,000, home

• Donna Gillmore from Fan-nie Mae, 962 Caroline Ct,Loveland, $58,000, home

• Highlands LLC fromGallery Homes Inc, 470 Mag-gie Ct, Loveland, $66,000,home

• Kent & Jennifer Solt fromBill Hay, 192 Scenic Dr, Love-land, $275,000, home

• Virginia & John Millerfrom Joshua Skelton, 1302Audubon Pl, Loveland,$200,000, home

• Vicki & Courtney Chris-tensen from Kent Solt, 1510Tori Dr, Loveland, $195,000,home

• Sm76 LLC from John Go-ings, 7955 Stag Hollow Rd,Loveland, $165,000, home

• Joyce Trust from MaryGrandia, 2384 Lawson Dr,Loveland, $265,000, home

• Briski Trust from Grant

Hatfield, 2747 Kyle Cir, Love-land, $355,000, home)Douglas& Denise Nagle from VirginiaMiller, 3502 Taft Ave, Loveland,$252,000, home

• Jack & Dawn Harbisonfrom Oak Valley Homes LLC,302 Lyra Pl, Loveland,$383,000, home

• Cynthia & NicholasKramer from Elizabeth Purcell,1863 Twin Lakes Cir, Loveland,$184,500, home

• Brian & Janet Moweryfrom Evelyn Shrader, 267 NCounty Road 23 E, Loveland,$779,000, home

• Ronald & Sylvia Seatonfrom Twin Lakes DevelopmentLLC, 2778 Crooked Wash Ct,Loveland, $60,000, home

• Jennifer Smith from Jef-frey Wikre, 2412 Van BurenAve, Loveland, $162,500,home

• Paul Sperry from John Bal-lenski, 2354 Augusta Ave,Loveland, $159,000, home

• Corey Bledsoe from KristieBarter, 2046 S Colorado Ave,Loveland, $105,500, home

• Wilfred Schuemann fromDonald Clarke, 16346Goldfinch Rd, Loveland,$190,000, home

• Lisa & Kyle Melby fromTrent Gable, 1125 FloweringAlmond Dr, Loveland,$330,000, home

• David Banford from KeirnsConstruction Co, 2197 Vanco-rum Cir, Loveland, $276,900,home

• Susan Osborn from DuaneRumbaugh, 2477 Waverly Dr,Loveland, $185,000, home

• Eugen & Becky Kleinerfrom Jace Thorpe, 1811Heather Dr, Loveland,$160,000, home

• John & Ana Simmons fromTrust Between Natl Equity Inc,4128 Lost Canyon Dr, Love-land, $260,000, home

• Mark & Judith Bonaventu-ra from Vance ConstructionInc, 910 Norway Maple Dr,Loveland, $338,800, home

• Laurene Nicholl from Vir-ginia Willard, 1100 Taft AveUnit 10, Loveland, $164,000,condo

Berthoud• Jason & Emily Menegatti

from Gale Medlin, 645 S Coun-ty Road 31, Berthoud,$352,500, home

• Douglas Brown from Clif-ford Rufenach, 1503 Oak Dr,Berthoud, $191,400, home

• Josiah & Raluca Mcrobertsfrom Bruce Whitley, 1870Sherlyn Ct, Berthoud,$310,000, home

• Brian & Shelby Campbellfrom Douglas Harris Living

Trust, 3109 Meining Rd,Berthoud, $384,500, home

• Gail & Dean Saul fromPrestige Homes LLC, 1413Mount Meeker Ave, Berthoud,$199,900, home

• Brenda Martinez from Ker-ry Sewczak, 614 Munson Ct,Berthoud, $226,000, home

Estes Park• Robert & Sandra Fraser

from Christina Benight, 507Fall River Ln Unit A, EstesPark, $157,000, condo

• John Thorne from SpringFamily Trust, 600 PonderosaAve, Estes Park, $360,000,home

• Neal & Virginia Wisemanfrom Tamara Jarolimek, 1455S Saint Vrain Ave Unit 3, EstesPark, $325,000, condo

• Lon Kinnie from JeanetteVillers, 1720 Avalon Dr, EstesPark, $140,000, home

• Wynne & Phillip Wilburfrom Jennifer Appelt, 2625Marys Lake Rd Unit 100, EstesPark, $195,000, condo

• Greg & Leslie Petersonfrom Diane Conner, 2071Sharon Ct S, Estes Park,$375,000, home

• Doyle & Katherine Bakefrom Paul Ressue, 1755 MossRock Dr, Estes Park, $490,000,home

Johnstown• Linda Gomez from Fannie

Mae, 19 Lindenwood Cir, John-stown, $129,900, home

• Richard & Mary Faulmannfrom JJ Constr Northern ColoLLC, 153 Alder Ave, John-stown, $182,000, home

• Shane & Margo Hasertfrom Greg Locke, 2523 BlackDuck Ave, Johnstown,$288,000, home

• Jessica Fudge from BrendaPister, 31 N Estes Ave, John-stown, $99,000, home

• Ian & Melissa Geddis fromSt Aubyn Homes LLC, 320 Tar-tan Dr, Johnstown, $232,000,home

• Gerald Beers from Oak-wood Homes LLC, 3806Hunterwood Ln, Johnstown,$199,900, home

• Karch & Rachel Hickmanfrom Oakwood Homes LLC,3813 Blackwood Ln, John-stown, $181,300, home

• Sarah & Joshua Pape fromCarl Huber, 3658 Wittaker Cir,Johnstown, $255,000, home

• Michael Williford fromJourney Homes LLC, 166Alder Ave, Johnstown,$202,100, home

• Jeremy & Jennifer Wentzfrom Clayton Logan, 180 Mus-covey Ln, Johnstown,$257,000, home

• Sierra Alexander fromSaint Aubyn Homes LLC, 168Tartan Dr, Johnstown,$224,600, home

• James & Belinda Sternerfrom Sam Swoape, 1221Mountview Dr, Johnstown,$250,000, home

• Andrew Christensen fromBk New York Mellon, 2284Black Duck Ave, Johnstown,$198,000, home

• Johnstown District fromRichard Wendy Wynkoop Trust,372 Mountain View Rd Unit11, Johnstown, $85,000, con-do

• Justin & Erin Moomeyfrom Ryland Group Inc, 2737Aylesbury Wy, Johnstown,$291,800, home

M i l l i ke n• Troy & Kelly Ostermiller

from Herbies Homes LLC, 211S Pauline Ave, Milliken,$160,000, home

• Joshua Pushchak fromSean Tafaro, 520 S Rachel Ave,Milliken, $142,000, home

Windsor• Ronald Lester from Robert

Bertram, 705 Shipman Moun-tain Ct, Windsor, $160,000,home

• Barerose LLC from First-bank, 1525 Main St, Windsor,$2,000,000, home

• Brent & Kim Thompsonfrom Terry Parks, 1989 Barba-dos Ct, Windsor, $56,300,home

• Marc Mackie from RobertSmith Constr Inc, 37050 Soar-ing Eagle Cir, Windsor,$462,000, home

• Saint LLC from WinterFarm Windsor LLC, 591 Dako-ta Ct, Windsor, $35,000, home

• Bill & Rachael Hay fromDonna Clark, 8816 Longs PeakCir, Windsor, $475,000, home

• Robert & Laura Mcclellandfrom Warren Churich, 6832Spanish Bay Dr, Windsor,$405,000, home

• Andrew & Juliet Higa fromSavant Homes Inc, 8361 Wyn-

stone Ct, Windsor, $445,800,home

• Extended Inc from FedHome Loan Mtg Corp, 100Beacon Way Unit A, Windsor,$95,400, condo

• Jon & Susan Franklin fromGsr 2007 3f, 4972 Shavano Dr,Windsor, $425,000, home

• Theodore & Christin John-son from Gregory Ingram, 302Habitat Cv, Windsor, $480,000,home

• Justin Scharton from Pres-tige Homes LLC, 661 YukonCt, Windsor, $217,000, home

• Kelly Jensen from SaintAubyn Homes LLC, 392Saratoga Way, Windsor,$244,100, home

• Cole & Jennifer Bartlettfrom Saint Aubyn Homes LLC,677 Shoshone Ct, Windsor,$268,200, home

• David & Tina Baker fromSharon Veillon, 35284 Corner-stone Way, Windsor, $618,000,home

• Jarrod & Paula Bessirefrom Fed Home Loan MtgCorp, 9909 State Highway 392,Windsor, $245,000, home

FORECL OSURE• Borrower: James & Peggy

Frampton Trustees, Lender:Wells Fargo Bank Na, Amount:$222,416, Property: 300 FarView Dr 9, Estes Park, Filed:10/27/11

• Borrower: Craig & ShaunaDuell, Lender: Wells FargoBank Na Trustee Pooling,Amount: $285,088, Property:496 Valley Rd, Estes Park,Filed: 10/27/11

• Borrower: Suzanne Maki,Lender: Jpmorgan Chase BankNational Assoc, Amount:$184,895, Property: 514 GrandEstates Dr A4, Estes Park,Filed: 10/28/11

• Borrower: Marcus Collins,Lender: Wells Fargo Bank Na,Amount: $177,294, Property:3843 Kenwood Cir, Johnstown,Filed: 11/01/11

• Borrower: Allan & PatriciaTaylor, Lender: CitimortgageInc, Amount: $141,792, Prop-erty: 107 E 12th St, Loveland,Filed: 10/27/11

• Borrower: Robert Gabriel-son, Lender: Wells Fargo BankNa, Amount: $187,251, Prop-erty: 1404 Gloria Ct, Loveland,Filed: 10/27/11

• Borrower: Carl & MaryBetts, Lender: Hsbc Bank UsaNa As Trustee, Amount:$201,377, Property: 4150 JoniLn, Loveland, Filed: 10/27/11

• Borrower: Valentino &Robyn Vasquez, Lender: Col-orado Housing And Finance,Amount: $200,584, Property:2390 W 45th St, Loveland,Filed: 10/27/11

• Borrower: Carolyn Baldas-sare, Lender: Bank Of AmericaN A Successor, Amount:$156,601, Property: 2471Cinnabar Ct, Loveland, Filed:10/27/11

• Borrower: Allan & GloriaLittrell, Lender: Us Bank Na-tional Association, Amount:$97,073, Property: 4514 Sun-shine Cir, Loveland, Filed:10/28/11

• Borrower: Richard & Nan-cy Kopcho, Lender: Wells FargoBank Na, Amount: $92,015,Property: 1617 Cleveland Ave,Loveland, Filed: 10/28/11

E4 Saturday Reporter-Herald N ove m b e r 12, 2 0 1 1

Open Houses This Weekend - www.thegroupinc.com

FRIDAY - SUNDAY 1:00-4:00292 Saratoga Drive, Windsor Greenspire at WindsorLake. It’s more than just a home… IT’S A QUALITY OF LIFE!Miles of bike trails, open space & parks. Personalize yourhome from framing to finish! Extraordinary floor plans –Ranch & 2-Story. Lots available on Windsor Lake! Visit ourSales Center at 690 Moonglow Drive or call for a showing!

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

Call Jim Watson970-219-5219

NEW HOMES BUILT BY WINDMILLS, LLC

SATURDAY 1:00-3:00273 Harding Court, Loveland Move-in ready 2-story home inShadow Hills Subdivision. Upgraded carpet and tile. Open floorplan. Unfinished basement for future expansion. Main levellaundry and very private back yard, all on a cul-de-sac.today!

$215,000MLS# 667820

Call Kim Summit689-6950

SUNDAY 12:00-2:00660 Mt Massive Street, Berthoud Beautiful home in a quietneighborhood. 3 bedrooms, 2 baths with builder finishes.Hardwood floors in kitchen, panel oak cabinets and coveredporch. Unfinished basement offering room to grow. Spaciousback yard with excellent views.

$220,000MLS# 664809

Call Cindy Kurtz962-6832

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

$299,000MLS# 662114

Call Georgena Arnett481-9801

NEW CONSTRUCTION

SATURDAY & SUNDAY 12:00-5:004613 Free Hold Drive, Windsor Must see ranch plan with walk-out on oversized, elevated lot. Very upgraded! Trex patio, 3-cargarage, slab granite and stainless kitchen, full basement andmuch more! Stucco with stone exterior. See our model at 4613Pompano Drive for more information. Other completed homesavailable.

$329,900MLS# 647804

Call Kristen Specketer290-8097

NEW CONSTRUCTION

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

$335,000MLS# 662119

Call Georgena Arnett481-9801

NEW CONSTRUCTION

SUNDAY 1:00-3:003555 Capitol Peak Drive, Loveland Gorgeous ranch. Wood floorsin entry, kitchen & eating area. Alder cabinets. Butler pantry.Private master bedroom with walk-in closet & 5-piece bath.Unfinished garden level basement. Outdoor living includes largedeck, stamped concrete patio and gas line for BBQ.

$350,000MLS# 659371

Call Emily Waller720-231-7183

SATURDAY 1:00-3:004554 Cushing Drive, Loveland Spacious ranch with partiallyfinished basement. 4 bedrooms plus study that can be usedas a 5th conforming bedroom. Crown molding and brushednickel throughout. Large lot is meticulously landscaped andfully fenced. Oversized 2 car garage has plenty of room fortoys or workspace.

$350,000MLS# 664809

Call Cindy Kurtz962-6832

SUNDAY 2:00-4:003508 Moffat Avenue, Loveland Located West of DevilsBackbone. Remodeled ranch on .91 acre. Main floor masterw/dressing room & bath in private wing. 2 guest rooms & bathin separate wing. Brick FP, pine ceilings, eat-in kitchen, diningroom & study. Family room w/2nd FP. Horses welcome

$350,000MLS# 668301

Call Stephanie Soule214-2452

Experience Counts, Especially Now!ExE

Don A.Riedel

970.679.8265cell

970.669.1234office

[email protected]

www.RiedelGroup.com

Featured Property

(Mariana Cove) Spacious, pristine homein Southwest Loveland, near lakes, moun-tains and the Mariana Butte Golf Coursebut close to all the west side Lovelandshops & grocery stores. The 1/3rd acre lotbacks to open space and a beautiful neigh-borhood granite walking trail system thatmeanders down to and along the lake.The walkout basement of this home givesaccess to a private patio and a backyardwith multiple trees and flowers. The mainlevel has its own“glassed in” tiled sunroomwith southeast exposure. Hardwood entry,curved staircase, formal dining room plusbreakfast room and warm “sun captur-ing” south windows. The upper level hasa large 18 x 16 master suite with its own3 sided fireplace plus luxury bath. 3 otherbedrooms and baths complete the upperlevel. MLS #659284 $450,000

5548 STONE CHURCH COURT, LOVELAND

BUYING OR SELLING?Ron McCrimmon Is YourLocal Real Estate Expert.

view more listings at…

RonMcCrimmon.com970.214.2763

Call today for a personal tour!

Saddle Notch Road - LovelandOffered at $10,000,000

Indian Creek Ranch - LovelandOffered at $2,000,000

Crescendo Village - LovelandOffered at $499,900

NEW CONSTRUCTION!

27 ESTATE LOTS

GLINKFrom Page E1

that may be your long-term home, this may be the time to takethe loss but see it as a gain.

While losing $50,000 on the sale of your current home willfeel terrible, you might be able to afford your next home at to-day’s historically low interest rates and purchase a home that isnow within your budget that can meet your needs as your familygrows up.

Yo u ’ve done the math correctly. But it doesn’t seem that youwill want or be in a position to remain in this home for morethan a couple of years. If you otherwise would be thinking ofbuying in this market and moving to a home that suits yourneeds, it may be time to bite the bullet, get what you can fromyour current home and move on.

However, if you make that leap, you’ll owe money when yousell your current home. Some home sellers have savings theycan use to pay off the bank and can use what’s left for a downpayment on the new home.

Your current adjustable rate is great. With the one-year trea-sury rate at about 0.02 percent and your margin of about 3.5percent, those two numbers combined result in your new inter-est rate. You will probably see that low interest rate for at leastanother year or two.

Nevertheless, interest rates will rise at some point and so willyour home mortgage interest rate. If you planned to stay in yourcurrent home for 20 years or so, this would be the time for youto refinance. But your home is underwater. You owe more onyour loan that what your home is worth. It will be difficult foryou to refinance now unless you get lucky and somehow qualifyfor the new Home Affordable Refinance Program (HARP). How-ever, don’t count on it.

Everything comes down to whether you have extra cash thatwould enable you to move on. If you sell the property in a shortsale (where the lender accepts less than what you owe), youwon’t be able to buy a home for three to five years. And you maybe required to agree to pay back the missing money to thelender (known as the deficiency) over the years. Moreover, if youdon’t pay the loan in full, you should be aware that the shortsale will hurt your credit score and credit history.

A final option is to purchase a new property and rent your ex-isting home. If you can do that, you may be able to take advan-tage of lower prices in your neighborhood of choice and holdout while the foreclosure market in your existing home settles.

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1112 Home and Real Estate

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