Home and Real Estate Weekly

HOME& RealEstateWe e k l y

November 27, 2010

Longmont Times-Call w w w. H o m e a n d R e a l E s t a t e We e k l y. c o m

Prepare in advance withsimple party basics

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GGGaaarrrdddeeennn GGGiiiffftttsssGive a present you grew

Seller financingmay help you

sell your home

2 Times-Call / Home & Real Estate Weekly November 27, 2010

Getting rid of your home with seller financingBy Michele Lerner

b a n k r at e . c o m

Can seller financing be the incentive youneed to get your house sold?

In seller financing, the seller functions asa direct lender, with the buyer makingmonthly mortgage payments to the sellerinstead of a bank.

Buyers who accept seller financing usu-ally cannot qualify for a traditional mort-gage loan, often because they have a lowcredit score.

“For sellers, the biggest benefit is toincrease the pool of potential buyers toinclude those who might not qualify for aloan,” says Ardina Franssen, RealEstate.com agent for the Atlanta and Lake Lanierregion in Georgia.

Because borrowers with this profile areconsidered riskier, sellers often can chargeas much as 8 or 9 percent in interest,which is more than many other invest-ments earn.

In addition, taxes are owed only on theamount received each year rather than onthe entire sale price. This reduces any taxesthat might be owed. Sellers often are able tonegotiate a higher price for the home whenthey offer financing.

“Seller financing can be a good invest-ment because sellers will often be able tosell at full price and will earn a high inter-est rate on their funds,” Franssen says.“Both sides benefit because there are re-duced closing costs when no lender is in-volved in the transaction.”

Seller financing is easier to arrange whenhomeowners own their property without amortgage. In 2008, about 32 percent of allAmerican homeowners owned their homesfree and clear, according to a U.S. CensusAmerican Community Survey.

Homeowners with a small mortgage maybe able to pay off that mortgage with thedown payment from a buyer or other fundsin order to offer seller financing.

In most cases, seller financing covers theentire purchase other than the downpayment because institutional lendersrarely approve financing for a partial loan,says Brandon Coppock, program directorfor Owner Finance Buyers in Dallas, a com-pany that assists owners with seller financ-ing.

“Most of the buyers we work with are us-ing seller financing as bridge financing fora few years until they can qualify for a refi-nance,” Coppock says. “In many cases, thebuyers have had a short sale or some other

singular event that damaged their creditrather than a pattern of not paying bills.”

Most sellers prefer a loan of three to fiveyears, though some will agree to a 10-yearloan.

At the end of the loan period, it is as-sumed the buyers will refinance with a tra-ditional lender to cover the balloon pay-ment owed to the seller. The higher interestrate sellers charge is an incentive to thebuyer to refinance as soon as possible.

While seller financing can be a good op-tion for some sellers, it’s important to takesteps to mitigate risk.

Sellers who use seller financing continueto hold the title until the loan is paid infull. Buyers must sign a promissory notethat includes all the terms of the loana g re e m e n t .

Renee Mayhall, RealEstate.com vicepresident and general manager of its Geor-gia and Carolinas region, says sellersshould reduce risk by working with a Real-tor who can provide protections in a writ-ten contract and assist the seller by check-ing the buyer’s credit, income and assets,and by verfiying employment.

“Often the buyers are self-employed orsomeone who has a single instance that hasdamaged their credit, or even international

buyers who have not built up the right kindof credit in the U.S. to qualify for a tradi-tional loan approval,” Mayhall says.

Requiring a bigger down payment alsocan help protect sellers.

“Sellers usually require a down paymentof at least 3 percent to 5 percent, but some-times they can negotiate a bigger downpayment to protect themselves,” Mayhallsays.

Lance Churchill, an attorney and presi-dent of Frontline Real Estate EducationGroup in Boise, Idaho, says all sellers alsoshould come up with a contingency plan incase the buyers do not make their pay-ments. Review state laws concerning fore-closure that could impact the seller’s abilityto evict nonpaying buyers, he says.

While not required, both sides can con-sult with an attorney to make sure they areprotected by the contract.

“The seller takes on more risks in sellerfinancing than the buyer, but they have theoption of foreclosing on the buyer and tak-ing the property back if necessary,” Cop-pock says. “I always recommend that thesellers keep the down payment money as acushion in case the buyers pay late or de-fault on the loan.”

Family heirloom is not an antiqueBy Helaine Fendelman and

Joe Rosson

Scripps Howard News Service

Dear Helaine and Joe: I havean old candy dish that belongedto my mother, who passed awayin 1992. My grandfather wasborn in 1863, and my mother in1913. I am sending you severalphotographs, hoping that youcan tell me about its origins, ageand value. – L.M.

Dear L.M.: “Old” is such a slip-pery term; it can mean any numberof things.

To us, “old” is generally appliedto objects that were made in theearly 20th century or before, but aswe talk to younger collectors, wefind that they often feel that thedesignation “old” can be used todescribe any object that predatestheir birth.

We are often told that objectsfrom the 1960s or, in extreme cas-es, the 1970s are “very old.”

As we read between the lines ofthis letter, we feel that this dish’spresent owner may believe thisitem is older than it is. Her grand-

father had been long dead beforethis piece could possibly have beenmade, and her mother was proba-bly into her middle years.

We can understand how agreater age might be supposed be-cause the children who are holdingup the leaf-shaped bowl aredressed in 18th-century-style cos-tumes, but this circumstance is de-ceptive. Confusion may also arisefrom the mark found on the bot-tom, which is the letter “N” insidethe letter “C.”

Cursory research may leadsomeone to believe that this is ei-

ther the mark of the NewcombCollege Pottery in New Orleans, orperhaps of Camille Naudot, whichworked in porcelain from about1900 to 1919. Unfortunately, nei-ther of these firms made this cov-ered candy dish.

Instead, a company namedArdalt Inc., which had offices at 95Madison Ave. in New York City,imported this piece to the UnitedStates from Japan.

The retail price should be in the$45 to $60 range. Any damagewhatsoever would reduce the valueby as much as 90 percent.

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November 27, 2010 Times-Call / Home & Real Estate Weekly 3

News and Press ReleasesHome & Real Estate Weekly welcomes news

on hirings, advancements, awards, classes andother information of interest to the real estate andhome community. Please submit information tothe editor by e-mail, fax 303-774-8088 or mail to350 Terry St., Longmont, CO 80501. The dead-line is Monday at 5 p.m. the week of publication.

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

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

On the CoverPlan for your holiday parties by pulling out all the dinnerware, flatware, linens and decor. See story on page 6.(thinkstock)

Kristi Ritter

Summer Stair

AdvertisingThe display advertising deadlineis Tuesday at 3 p.m., and theclassified line advertising deadlineis Thursday at 3 p.m. – boththe week of publication. Foradvertising information, call720-494-5445.

Perk up your bathroom with chic ideas

Convertingthat empty nestMetro Services

Homeowners who have spent manyyears in one home likely raised a familyand shared many memories inside ofthose walls. When the kids grow andmove on it can be somewhat bitter-sweet. Being left with vacated rooms –especially ones still decked out in chil-d re n ’s decor – can cause the house tofeel more empty than it has to be. Nowis the time to turn those empty roomsinto adult spaces.

Homeowners shouldn’t feel guiltyabout taking down band posters andpacking away Little League baseballcaps. Chances are the children madegood use of their rooms and now it’stime for the adults to reclaim the spacesfor their own.

There are easy ways to turn chil-d re n ’s bedrooms into spaces adults canenjoy. With a few fixes, the room can bea man’s space, a woman’s retreat or aroom both can enjoy.

Because the room will reflect theadult homeowners’ interests, it shouldbe designed with their needs in mind.Comfortable furniture and items thatplease the residents should be incorpo-rated.

Lighting should be used to set themood. If the room will be used fortelevision watching, have dimmerswitches so the brightness can be tuneddown. For reading or office work, haveoverhead lights and task lighting, suchas a desk lamp.

For the “man cave,” the room canreflect interests such as sports or fish-ing, but be decorated in a subtle way tocomplement the rest of the home’sdecor. For example, if a guy likes asports team, he can paint the walls in asubdued shade of the team colorsinstead of hanging pennants or playerjerseys on the walls.

Homeowners should remember toinclude extra seating and space so theycan entertain friends or family in theirnewly adapted specialized rooms. Atable for snacks or even a small refriger-ator hidden within a decorative piece offurniture can keep snacks and bever-ages available.

Article Resource Association

Want a new bathroom, but think theprice tag might be out of your budget?Don’t give up so easily. Many simple up-dates and unique products can give you acustom-designed look on a bare-mini-mum budget.

“Consumers today are looking to ‘re -model lite’- that is, refresh a room withonly a few items and with a minimal in-vestment,” says Jack Suvak, director ofmarket research and insights at Moen.“But at the same time, they want theirhome improvement project to make a sig-nificant impact on their home, in termsof both style and functionality.”

To avoid becoming overwhelmed,break your bathroom up into smallersections and projects.

Storage and SpaceWhile you can’t easily add more square

footage to your bathroom for extra stor-age, little things can make a difference.Adding new accessories, such as a towelbar, towel bar hooks, a towel ring, shelvesand robe hooks can easily and inexpen-sively provide additional space and stor-age for your necessities and add a bit ofstyle.

“You can change the look and func-tionality of your bath for less than $100just by adding accessories,” says TimBitterman, group marketing manager ofCreative Specialties International, theaccessories division of Moen Inc. “Wi t hdesigner finishes, such as brushed nickeland oil-rubbed bronze – and uniqueaccessories, such as hotel shelves or newtowel bar hooks – your bath can be morebeautiful with more useful storage in notime.”

Moen recently introduced several newaccessory collections, such as the modernMethod collection and the more transi-tional Sage collection in an oil-rubbedbronze finish. But no matter what yourstyle – bath accessories will add a beauti-ful and functional update.

ColorAfter focusing on new finishes for your

accessories, take your bathroom fromblah to beautiful with a splash of color.Cool colors can create a calm, serene en-vironment, while darker colors can bewarm and inviting. And once you’ve up-dated the walls, consider perking up thecabinets, trim and hardware with a touchof spray paint for a final finished look.

Sensational ShowersYour shower can be many things – re -

juvenating, cleansing, soothing – but itshould always be enjoyable. Add morespace in the shower with a curved showerrod. Switching from a straight rod to onethat curves outward can add up to 7inches of elbow room – not to mentionimmeasurable style. Next, finish off yourshower with a multi-function shower-head, such as Moen’s Inspire or HomeCare by Moen’s hand-held shower withinnovative palm grip.

Soft and Subtle TouchesThe bathroom is filled with hard, slick

surfaces – so be sure to add a variety ofplush, soft accents. Fabric shower cur-tains, window valances, rugs and towelsin coordinating colors will be the finalfinishing touches for a chic and appealinglook in your newly “re m o d e l e d - l i t e ”bath.

Simpletouches,such asaccessoriesand softaccents canturn yourbathroomfrom blah tobeautiful.Below:Towel barsand towelbar hooksareinexpensiveand easy toinstall – andmaximizeuseful spacein the bath.(ARA)


Refinancing family member’smortgage could be tricky

Q: My brother-in-law isgoing to refinance his homeat a lower interest rate, andwe are considering carryingthe loan.

The loan would be$150,000 for 30 years at 4percent. The payback forthe $150,000 would be in17.5 years.

I am 66 years old and mywife is 63. We are estimatinga life span of 86 years, whichwill be 20 more years for me. If thatwere the case, there would be 10 yearsleft on the balance of the loan that Iwould never see.

We believe that 20 years would be amuch better term length for us, but mybrother-in-law wants the 30-year loan.If we decide to carry the loan, would ithave any negative impact on our credit?It would be a non-issue as far as ourbudget goes.

We are not sure what we should do.Any advice or suggestions would beappreciated.

A: You’ve asked several good questions.Let me see if I can answer them.

First, your investment in your brother’smortgage is akin to you being the bank. In-vestments are generally never listed on acredit history (have you pulled yours late-ly?).

The choice on how to invest your mon-ey – be it in the stock market or by becom-ing his lender – is yours. But you mustmake sure you are comfortable with yourchoice. If you invest in the stock market orput your money in a CD at a bank, youhave some control over when and how toget your money back. When you become alender on a residential piece of property,you may have to hold on to that loan forthe full term.

Given current interest rates, you mayprefer to give your brother-in-law themoney and receive 4 percent back in inter-est. If a 30-year loan term does not appealto you, you might want to insist on ashorter term. Or, if you decide to go for-ward on a 30-year mortgage, you couldagree on a higher rate of interest at 10-yearor 15-year intervals.

You are operating from a position ofstrength. If your brother-in-law is unwill-ing to do a 20-year amortization schedulethat suits your needs, then you might sug-gest that he find another lender willing togive him the loan he needs.

The real issue for you is to be comfort-able with the structure of the deal.

Generally, lenders charge fees to give aloan to a borrower. Your brother-in-law

may be saving money by ob-taining a loan from you. Ifthat’s the case, you may wish toobtain a slightly higher interestrate on the loan.

Your age is a factor in this fi-nancial decision. While you arefiguring that you will live untilage 86, you might well live tobe 96 or 106, and having thatextra income might come inh a n d y.

But there are some otherquestions you must answer before goingthrough with this. First, what happens ifyour brother-in-law doesn’t live another 30years? How will the loan be paid off? Willyou require that he escrow the propertytaxes and insurance so you know the homealways has insurance and property taxeswill be paid? How will you check on theseitems? Will the property be sold, or will hebuy an insurance policy to cover theamount of the mortgage? What if he goesinto bankruptcy? What happens if he de-cides to sell the house and it is worth lessthan the mortgage amount? Will you fore-close on the house? Will you sue him forthe difference? What will happen if youand he no longer get along?

Finally, all this needs to be in writing,and then the loan documents must berecorded in the local recorder of deeds of-fice or other office that is used in your areato record documents so the world is on no-tice that you have a lien against the prop-erty. If you don’t record the mortgage, yourbrother-in-law could easily get anotherloan on the property or sell the home with-out paying you off.

You and your brother-in-law might beclose now, but if he stops making pay-ments, this whole scenario won’t havesuch a rosy ending.

You had better understand exactly whatyou’re getting into with this loan. To thatend, consider pulling a copy of his credithistory and score from each of the threecredit reporting bureaus to get a sense ofwhere your brother-in-law is financiallyand to confirm any information he has giv-en you. I’m not suggesting that youshouldn’t give him a loan if he has a terri-ble credit score. It’s just that you want togo into this with your eyes wide open.

In short, your own credit history andscore shouldn’t be affected. But hire a goodreal estate attorney to draw up the docu-ments and make sure all the t’s are crossed.

Ilyce R. Glink’s latest book is “Buy, Close, Move In!”If you have questions, you can call her radio showat 800-972-8255 any Sunday, from 11 a.m. to 1p.m. EST. Contact Ilyce through her website atw w w. t h i n k g l i n k . c o m .

Ilyce Glink

Tribune Media Services

JOIN US… FOR THE ANNUAL

SATURDAY, DECEMBER 4, 2010

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©2010 Coldwell Banker Real Estate LLC. All Rights Reserved. Coldwell Banker® is a registered trademark licensed to Coldwell Banker Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each Coldwell Banker Residential Brokerage Office Is Owned And Operated by NRT LLC. If your property is listed with a real estate broker, please disregard. It is not our intention to solicit the offerings of other real estate brokers. We are happy to work with them and cooperate fully.

COLDWELL BANKER LONGMONT OFFICE1707 N. Main Street, Suite 500

Longmont, Colorado 80501303.772.7478

We look forward to seeing you on Saturday, December 4, 2010 to kick off the holiday season.

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Savem o n e y,energy

thiswinter

Remington Homesopens new Erieneighborhood calledCandlelight Ridge

Remington Homes of Colorado hasnow opened Candlelight Ridge, a newneighborhood in Erie offering ranchand two-story homes.

Home sites at Candlelight Ridge aregenerously sized, which affords plentyof space for landscaping, letting thekids roam or kicking back and enjoy-ing the views. Building sites average16,000 to 18,000 square feet in size,with several of the lots having walk-out basements.

The community provides a neigh-borhood park, biking and joggingtrails. A new Community Center, li-brary and recreational facility are lo-cated approximately one mile east ofthe subdivision.

Remington Homes of Coloradoat Candlelight Ridge will feature avariety of ranch-style designs, with2,400 to 3,000 square feet finishedon the main level plus unfinishedbasements.

Two-story layouts will have 3,000 to4,000 finished square feet and unfin-ished basements. Home values arefrom the high $400s and more.

For more information, contactDan Johnson at Re/Max Alliance at720-313-5370 or [email protected].

Article Resource Association

As winter approaches and you reach forthe thermostat, you might be thinking ofways to save money and energy. Installingan environmentally friendly vent-free gasproduct could do both.

Vent-free gas appliances – such as wallheaters, logs, stoves, inserts and fireplaces– are modern, cost-effective and easy to in-stall. Because they require no chimney orvent, vent-free gas systems are less expen-sive, and quicker and easier to install thanother types of gas zone heating systems.

These products provide supplementalheat to complement your home’s existingcentral furnace or heat pump, improvingenergy efficiency and providing tremen-dous comfort and ambiance.

A great way to use a vent-free gas prod-uct is for zone heating, which allows youto turn down your home’s central heat sys-tem and focus the heat from a vent-free gasunit in the rooms your family uses most of-ten. This can save precious energy dollars– more than 20 percent, according to theU.S. Department of Energy – compared tomaximizing the heat in both occupied andvacant rooms in your home.

In addition to zone heating to reduceenergy costs, vent-free gas appliances are

economical. They operate at 99 percent ef-ficiency – delivering 99 cents worth of heatfor every dollar of energy cost.

Environmentally friendly vent-free ap-pliances are fueled with natural gas orpropane, among the cleanest of all fossilfuels, according to the U.S. EnvironmentalProtection Agency. Both gases are domesti-cally abundant and are secure sources ofenergy. In addition to a clean, green out-put, vent-free gas products don’t generatehazardous waste when they’re manufac-t u re d .

When winter weather hits your neigh-borhood and puts your power supply atrisk, you can be assured of having a reli-able, efficient heat source with a vent-freegas product. That’s because these systemsrequire no electricity, so they will continueto provide reliable heat even when theelectricity is interrupted.

In addition to saving money and energy,vent-free gas products have a remarkablesafety record. These products have beenavailable to consumers for more than 30years, with more than 20 million unitssold. As with any gas appliance, proper in-stallation, basic care and regular mainte-nance are required.

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Party BasicsPrep yourcupboardsfor a socialseason

By Heidi Stevens

Chicago Tribune

Of course your warm hospitality and sumptu-ous fare are what bring folks to your home for theholidays. But is it wrong to hope they’re a little bitwowed by your killer table settings as well?

Of course not. Which is why we sought someexpert advice on hosting holiday festivities thatleave your guests sated, spirited and slightlyamazed at your all-around fabulousness.

The Basics• Plates – Stock up on at least a dozen white

dinner plates and a dozen white salad plates, saysKevin Sharkey, Martha Stewart Living’s executiveeditorial director for decorating. Two dozen if youcan swing it. “That way no one will feel like the13th person with the odd plate who probablyshouldn’t be here.”

If you’re on a budget or short on storage, worryless about the number and size of the plates andfocus on the color, which should be, unequivocal-ly, white. “It’s completely versatile, it’s seasonlessand it mixes and matches with everything,”Sharkey says.

“Nothing shows off food like a white plate,”adds Jeanne Benedict, host of DIY Network’s“Weekend Entertaining.” “And we all know thebetter it looks, the better it tastes.”

Dessert plates are a good place to toy with col-or, say our experts, if you’re hue-inclined.

• Flatware – “Flatware is more fun when itdoesn’t match,” Sharkey says. Unearth your vari-ous inherited sets, bring on the fancy weddinggift sets and pair it all with a few sale sets from adiscount store. (It doesn’t have to hold up to ev-eryday wear and tear, so don’t fret too much overthe quality of your add-on sets.)

• Glasses – “Find a glass that’s all-purpose andinexpensive that you can use over and over ando v e r, ” says Jen Aaronson, Martha Stewart Living’seditorial director of food and entertaining. “I likea basic glass that doesn’t have a stem for wine,cocktails, water. I have dozens that I bought at a

restaurant supply store that I just keep in mybasement and bring out when I’m entertaining.”

If your soirees tend to revolve around drinks asmuch as (or more than) food, you may want tokeep a dozen extra wine glasses on hand. “I like awater, a red wine and a white wine,” Sharkeysays. “But you have to be sensible about yournumbers and how much space you have in yourcabinets.”

If you’re hosting a larger-than-usual shindig,consider renting glassware. “I tend to rent minewhen I’m having large cocktail parties,” Sharkeysays.

Likewise for Benedict. “Yo u ’re usually able torent stemmed glasses for about 35 cents each, andthey’re easily transportable by car,” she adds.

• Linens – Keep at least two dozen cloth nap-kins on hand, says Sharkey, who is partial tolinen. “For me it’s a luxury.”

Napkins are a natural place to play with colorand various prints, but Aaronson extols the virtueof white here as well. “White’s going to go withany tablecloth or place mats, and even if you havedifferent kinds – some cotton, some linen, someembroidered – all white lets you mix and matchthem.”

If you’re hosting more than two dozen guests,Sharkey recommends paper napkins. “Especiallyif it’s a cocktail or buffet-style party,” he says.

As for place mats versus tablecloths, it’s a per-sonal call. “Tablecloths are much more flexiblebecause you’re not boxed in by place mats, whichdon’t give you a lot of wiggle room to decorate,”Sharkey says.

Then again, beautiful place mats can serve asdecor all their own. Your call.

Take it up a NotchYo u ’ve covered the basics, so mind the small

details that make a big difference.• Serve it – “Have a lot of platters on hand,”

Aaronson says. “The easiest way to entertain is todo things family style, where you put everythingout on the table for people to serve themselves.

That means lots of platters and lots of bowls.”

• Shake it – “Everyone has that big ol’ clunkypepper grinder,” Benedict says. “But you can findreally affordable, nice salt and pepper shakersthat look great on a dining table.” Pick up two orthree sets so your guests don’t have to keep reach-ing across each other.

• Pour it – “A simple glass water pitcher – itcould be your margarita pitcher, but you’ve filledit with water – is always nice on a table,” Benedictsays. As is a gravy boat – and not just for gravy.“They’re really nice for salad dressings.”

Icing on the Cake

Now it’s time to knock it out of the park.

• Flowers – “Take your plates and linens to aflorist and say, ‘H e re ’s what I’m looking for, I’dlove your pro advice,’” Benedict suggests.

• Candles – “Everything looks better candle-lit,” says Sharkey. “But I do not like scented can-dles. It totally interferes with the food.”

• Seasonal touches – “Maybe you put a minipumpkin on each plate and tie a cranberry bowon the stems,” Benedict says. “Or roll your silver-ware in red napkins and tie a beautiful white bowaround them.”

Offseason Storage

A few tricks will keep your tableware in tiptopshape during the offseason.

Find a designated spot for storing your wares.“In the way you would think of a seasonalwardrobe, you should feel the same way aboutyour dishes,” Sharkey says.

“Felt rounds are a really good thing for protect-ing dishes,” he says. “If you don’t have feltrounds, get some paper plates and put them be-tween your dishes.

“Lining your shelves makes a big difference. Itkeeps things from being chipped, and it’s just theright way to take care of your glasses and dishes.”

A few tricks will keepyour tableware in

tiptop shape during theoffseason. Keep at least

two dozen clothnapkins on hand. Far

right: Find a designatedspot for storing your

wares. (BillHogan/CourtesyChicago Tribune)


Gather giftsfrom green

thumbs

Spruce up yourhome with paint

Given the sluggish economy, now is not thetime most of us want to spring for a costly re-modeling project. But you don’t have to spend alot of money to spruce up your home with paint.

The nation’s No. 1 do-it-yourself project holdsthat title for a reason (two reasons, actually):Painting is easy and it’s inexpensive, making it justright for budget-minded consumers.

What’s more, even small paint projects cangreatly enhance the appearance of your home.Here are some quick ways to get a lot of mileageout of a little paint, according to Debbie Zimmer,spokesperson for the Paint Quality Institute.

• Paint just an interior accent wall. Don’t havethe time or energy to paint an entire room? Givethe space an exciting new look by painting justone wall in a different color. A so-called accentwall can add visual interest to a room and intro-duce another hue into your color scheme.

• Paint the area above (or below) a chair rail.According to Zimmer, if your home is blessedwith chair rails, you don’t have to paint the entirewall. “You can choose to repaint only the wallarea above the rail, or the area below it,” Zim-mer says. “It’s a simple project that can dramati-cally change the appearance of the room.”

• Paint the interior windows and trim. Loveyour wall color, but still yearn for a new look?Give the room a makeover by painting your win-dows, molding, and trim. You’ll be surprised howdifferent a room can look when you change theintensity of color there.

• Paint a room’s standout feature. Play upwhat’s special about a room by painting it a dif-ferent color. This could be a fireplace surround, acurved archway, the backs of built-in book-shelves or cabinets, or something else. Using astrong “punch” color will draw immediate atten-tion to your standout feature.

• Paint the front door. Studies have shown thatvisitors get their first impression about a homefrom the condition of the front entrance, accord-ing to Zimmer. A freshly painted door helps en-sure that first impression will be favorable.

Whether you try one of these quick and easydo-it-yourself projects, or take on more ambi-tious home painting, Zimmer advises that you al-ways use a top quality 100 percent acrylic latexpaint. These paints have superior “hiding” capa-bility when painting over dark colors, they arestain- and mildew-resistant, many function asboth primer and paint, and best of all ... they of-fer tremendous durability, so your paint job willcontinue to look great for years to come.

– Metro Services

Early this season, I planted cucumberseeds, eager to grow crisp summer salads.But the soil was cool and when theydidn’t germinate, I panicked, rushing tobuy sprouted vinesto ensure I had acrop. Predictably,once the soilwarmed my seedssprang up, dou-bling my plantsand their crunchygreen fruit.

Thus began theYear of the Cu-cumber. Facedwith overwhelm-ing bounty, I pick-led. I relished.Then I pickled and relished some more,weekend after weekend until the housesmelled of vinegar and the shelvesgroaned under the weight.

Just when I thought my marathon offood preservation was over, the peachesripened, giving me six bushels to eat, pre-serve or give away. I did all three in a sev-en-day forced march of jellies, syrups,pies, cobblers and canning; CommunityFood Share enthusiastically took the rest.

After hours of toil and a few exhaustioninduced temper tantrums, I ended upwith all of my Christmas presents, ready

to go early this year, because everyone isgetting a taste of the garden. For garden-ers, homegrown is an A-list gift.

The bounty we take for granted is aperfect for those less fortunate than us,and by “less fortunate” I mean those with-out a green thumb. You know who be-longs on that list – they’re the ones whodrop by a few times each season, stare atthe garden, then tell us they don’t knowhow we do it year after year. A quick noteaccompanying a jar of mouthwateringstrawberry jam tells them that this is ahobby that keeps you dreaming of spring.

“After putting all that time, effort andlove into the garden, it’s hard to see any-thing go to waste,” says Charlotte Allen, aBoulder gardener who has made a tradi-tion of making seed sachets to give as giftseach year. “Everybody thinks it’s lovely toget flowers, and lots of people ask ifthey’ll be getting some each year.”

With bucket in hand, Allen winnowsseed heads from her garden in fall, col-lecting them once they’ve dried and ma-tured on the plant. Cleaning the seedfrom husks and other debris as she sits infront of a fire in the evening, she separatesthe seed into small, zip-lock baggies, at-tached a photo of the flower and growinginstructions, then places a collection ofseeds into small cloth bags.

“If you have a little patch of flowers, goout and deadhead them, putting them in-to a container or bucket. In an hour you’ll

have enough to make four or five gifts,”says the 30-year gardener. “Some seedheads are easier to disassemble than oth-ers. Pick off the husks, but leave some ofthe dried petals in the seeds to add color.”

For others, a gesture they’ll love is of-ten labor. My son regularly gives me thegift of rototilling my vegetable plot eachMother’s Day, wrestling the big machinearound until the garden is smooth andready for planting. That he works up anappetite that clears my refrigerator of left-overs is a bonus.

Take note of those dear to you whomight welcome a window box of flowersor a porch pot of pansies to welcomeguests, given now for delivery once theweather warms. This spring, shop togeth-er for the flowers that they want, sittingwith them to fill the window box just theway they like it.

Your gift could be as simple as a packetof heirloom seeds saved from your plants,or as complex as a new landscape plan fortheir yard. It’s not so much the gift as it isthe time you give creating it; in a fast-paced world that’s something to be cher-ished.

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

Carol O’Meara

Colorado StateUniversity Extension

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Real Estate Transactions are supplied by ProspectsUnlimited Inc., 1151 Eagle Drive Ste. 467, Love-land, CO 80537.

• Borrower: Leroy & Corby Layer,Lender: US Bank National Association,Amount: $141,591, Property: 2344 BowenSt, Longmont, Filed: 11/08/10

• Borrower: Lynn & Miguel Viejobueno,

Lender: Deutsche Bank National TrustCompany, Amount: $201,782, Property:1180 Fall River Cir, Longmont, Filed:11/08/10

• Borrower: Gavin Creer & Ali Oldfield,Lender: Midfirst Bank, Amount: $156,980,Property: 1253 Linden St, Longmont, Filed:

11/08/10

• Borrower: Brad Landers, Lender: WellsFargo Bank NA, Amount: $228,380, Prop-erty: 7060 N 63rd St, Longmont, Filed:11/09/10

• Borrower: Gabriel Mohedano & LanKim, Lender: Wells Fargo Bank NA,

Amount: $174,613, Property: 2408 SunsetDr, Longmont, Filed: 11/09/10

• Borrower: Terry Lund, Lender: WellsFargo Bank NA, Amount: $143,185, Prop-erty: 1744 Corey St, Longmont, Filed:11/09/10

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

Hover Manor Senior Apartment Residence

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

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

TV included, 62 yrs & older; vouchers accepted.

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

$725-$875 $250 1, 2 1, 1¾ Yes Yes Yes

In each apartment

A/C, D/W, cable ready, balcony or deck, carport, outdoor pool, close to shopping & bus stop.

Ute Creek Apartments1100 E 17th Ave. • 303-684-6821

Starting at $799 $125 1, 2 1, 2 Yes Yes Yes

Full SIzein each

apartmentYes

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

pool & spa, 24-hour fitness, garages. Close to shopping.

The Shores2450 Airport Rd. • 303-774-8000

*$705- $1200

$100$200$300

1,2,& 3 Studios 1,2

YesShort Term Available

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

garages. *On selected apartments.

Cloverbasin Village630 Peck Dr. • 888-837-4912

$690-$1100 $1491,2,3

3-bdrm.townhomes

2 Yes YesYes

65 lbs limitNo

Yes& rental available

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

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

$580-$945 Yes 1, 2, 3 1, 2 Yes Yes Pets Neg. Yes

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

included.

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

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

Short Term Available

Yes Yes Yes YesIsland kitchens, garden tubs, gas fireplaces,

double balconies, two tone paint, gated com-munity. Close to schools & newest community in

Longmont.

Tanglewood CondominiumsSenior Community

100 21st Ave., Longmont, CO 80501 • 303-774-0300

$1235-$1625

$1235-$1625 1, 2 1, 2 Yes Some Yes

$50+ mo.

Full size in each condo

W/D provided in each Condo

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

amenities package, quiet 55+ community. Call for incentives!

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APARTMENTS

2400 17th Avenue, Longmont, Colorado 80503

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

45-1

5723

2

• FREE Washer/Dryer & Carport

• Wood-burning fireplace• Large balconies/patios• Approved pets accepted • MTM leases available• Within walking

distance of shopping,restaurants & RTD

• On line leasing available• One bdr, 1 bath starting at $725• Two bdr, 2 bath starting at $875

0 APP FEE: WinterSpecial! 1 bdrm $550

2 bdrm, $650On-site pkng/laundry.A/C. Water & heat pd.Se Habla Espanol.

(303)774-0593

0 App Fee,1 bdrm, quiet,$545 Heat furn, A/C. NoSmk/Pets. 303-775-7517

Apartments/Unfurnished 4030

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

Apartments/Furnished 4010

Rentals

To place an ad, call 303-776-7440 or go to www.TimesCall.com/classifieds and place yourad any time of the day or night. Fax: 303-772-8339…email: [email protected]

● 1 BDRM- nice, N/S● A/C, lndry, off st pkng● $625, 303-444-0501

1 BDRM APT in NoLongmont. Senior housing,62 or older or those w/disabilites. Call for our

move-in specials.(303)485-5232

1 BDRM APT - $485Quiet, cozy, clean.

801 Bowen. 303.931.5211

● 1431 STUART2nd Floor, 1 bdrm, heat andwater included, small petOK, $525/mo. RMG Realty

(303)772-4466

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

•1 & 2 BDRM ✭ $550-$675FREE Heat 1060 17th Ave,Habla Espanol 720-327-8918

✭✭✭✭✭✭✭✭✭✭✭✭✭1, 2 & 3 BDRM

Apartment HomesThe ShoresApartments,

Hwy 66 & Airport Rd(303)774-8000

✭✭✭✭✭✭✭✭✭✭✭


CLOVERBASINVILLAGE(303)485-0512630 Peck Drive-Longmont West onNelson/Airport Rd

1 Bedroom 1 Bathas LOW as $6902 Bedroom, 2 Bathas LOW as $7993 Bedroom 2 Bathstarting at $7993 Bdrm TownhousesStarting at $1000

QUAILVILLAGE303-485-0065321 Quail Road-across fromLongmont Rec

Center

2 Bedroom 2 Bathas LOW as $7313 Bedroom 2 Bathas LOW as $844!

*LIMITEDNUMBER

AVAILABLE*

**Income GuidelinesMay Apply**

✓ Full Size Washer& Dryer Hookups

✓ Close to Bus lines

✓ Pets Welcome

•1809 EMERY ST-2 bdrm in 4-Plex, off stpkng, pet nego. Availnow, $650. (303)447-8988

2 BDRM APT´s-Starting at $645, some with

Move-in Specials!Call PMP, 303-776-RENT

2 Bdrm, 1 ba, large, comp.remodel- WD, A/C, deck,N/P/S 2041 Meadow Dr.

$840 303-443-4308


LE DEAUVILLEAPARTMENTSROOMY & READY1 Bd From $575

2 Beds From $610Great Location

Large UnitsPark Like SettingAmple Parking

A/C & Pool

303.772.3737

45-1

5731

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Rent Me!Rent Me!

1 bdrm Lafayette Beauty.Move-in Special $645Call PMP Today,303-776-RENT

QUIET LIVING!Ground level, Clean,2 bdrm, 1 bath, W/Dhkup, A/C, storage,

patio. Water/Sewer pd.N/S/P. Located nearSt. Vrain Greenbelt.Starting at $635/mo +sec dep. 1 year lease.Call (303)776-0386

Mtn Views! 1 BDRMAPTQuiet area, lndry, nr 23rd&Main. Sorry no pets, $575Top Realty, (303)931-6423

Horizon Place1 Bedroom- $545!2 Bedroom- $645!

Secure bldg, swimmingpool, A/C, on-site laundry.Call PMP, 303-776-RENT

EASTGLEN APTS630 Lashley, Longmont

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

✭Wtr, trash, sewer pd

Apartments, your choice!www.alertrealty.net


● 2030 COLLYER STREET2 bdrm, 1 ba, W/D hkups,near bus stop. Newlyremodeled, No/smoke/pet.$650. Call (303)588-8115

2022 YEAGER DR- 950 SF,3 bdrm, 1 ba, fncd yd. Nopets. $800+dep. 303-774-8239

0 or 1 pet ok. Lg 1300 SF, 3bdrm, 2 ba, frpl, DW, storshed, fncd $860. 303-494-4115

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

Duplexes 4060

VALUE PLACEFIRESTONE

New ExtentedStay Hotel

● $179* WEEKLY

or● $649

MONTHLY✓ Perfect for visitingfriends & family!

I-25 & Hwy 119,Longmont exit 240.

303-485-0040

Bring ad to qualify.*Expires 11/30/2010*New Guests Only*

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


INDOOR GARAGE &Commercial Storage

20x40x16 w/ 14x14 doorsstart at $300.

20x50x16 w/ 30 amp elect,man door & pwr dooropener start at $425.Garage Storage LLC,

4070 Camelot Cir, locatedI25 Business Park.

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

Garages/StorageSpaces 4070

SUNSET GOLF AREA,2 BDRM, 1 BA, W/D, frpl,fncd yd, N/P/S, $715/mo.1828 Spruce. 303-772-5233

DUPLEXES2 Bedrooms• 1451 Lamplighter

Call PMP, 303-776-RENT

Duplex, 2 bdrm, 1 ba,fenced yd, patio, new kit,rfr, stove, D/W, CLEAN!No Pets, $695/mo. 1 mo.Dep, S. Bowen, 303-772-5734

4 BDRM (conforming in finbsmt) 617 5th St, Berthoud,pets nego. Call 970-669-0842

www.rmpm.com

3 BDRM, 1.5 ba, off st pkng,N/P. Storage, $835/mo.Water paid. Gerald,303-775-1598. Se Habla

Espanol Chris, 303-682-3005.

2 BEDROOM, GAR,Fncd yd, D/W, W/Dhkup, water paid.472 Lashley. $750 +$750/dep. (303)638-9738

2 BDRM W/D, DW, A/C,& garage. NE LongmontNo pets. $625/mo & deposit720-938-1559; 303-666-5546

2 & 3 Bedroom Duplexeswww.alertrealty.net

Duplexes 4060

● 2 HOMES- 2 bdrm, 2 bathranch & 3 bdrm, 3 bath2-story. Each w/2 car gar& unfin bsmt. $1000/each.

(303)588-0703

Berthoud 3 bdrm, 2 ba, gar,A/C, fncd yd, N/P N/S $995Cottage Realty 970-532-2695

BERTHOUD- 2 BDRM, 1bath, 1 car gar, $800/mo +sec dep. N/P (970)532-2470

● 2213 COLLYER- 4 bdrm2 ba, frpl, fncd yd, 2 cargar, $1300/mo. Pet nego.Call Pennant, (303)447-8988

1 FURN EXEC HOME OldTown Lgmt. 3 bdrm, 2 ba.$2000 incl utils w/ cable &

internet. 303-912-4663

● 1701 ADKINSON4 bdrm, 3 bath, 2 story,2 car gar, Lgmt. $1495.RMG Realty, 303-772-4466

10544 Sunburst, Firestone, 4bdrm, 3 ba, 2 car, bsmt,fncd, frpl, A/C, loft, N/S.$1495/mo Jim 303-775-0163

● 1018 SUMAC ST-3 bdrm, 1.5 ba, $1100/mo.303-775-0429 ask for Sean

EQUAL HOUSINGOPPORTUNITYAll real estate

advertised in thispaper is subject to thefederal and state FairHousing Act whichmakes it illegal toadvertise “any

preference, limitationor discrimination

based on race, color,religion, sex, handicap,familial status or

national origin, or anintention to make anysuch preference,limitation, ordiscrimination.”

The newspaper willnot knowingly acceptany advertising for

real estate which is inviolation of the law.All persons are herebyinformed that all

dwellings advertisedare available on anequal opportunity

basis.

Houses 4080

FIRESTONEHUGE 2700 sf, 3 bdrm, 2 ba,mstr suite, 3 car gar, $1395

RENTED!!

● 939 KIMBARKCentral location, 2 bdrm,1 ba, not fenced, workshop,

single garage, $875.Pet OK. RMG Realty,

(303)772-4466

5 BDRM, 3 ba, 2 car, 4290sf, 1505 Red Mtn Dr, fncdbkyd. $1495+ 720-891-6936

4 BDRM, 3 BATH, 2 car,fncd yd, cul-de-sac, Lgmt,great cond! 2408 Scott Ct.$1350/mo. N/S, N/P.

Avail Dec 1. (303)506-2266

4 BDRM, 2.5 BA, lg fncd yd,garden, sprklr, AC, schls1411 Deerfield. $1600,

reduced to $1295 w/goodrefs. Avl 12/1. 303-776-7528

● 4 BDRM, 1203 SPRUCE-2 bath, 2 story, NEWEROld Town. Fncd, 2 car &

RV pkng. $1195/mo.One month FREE rent!Sits above 2 bdrm unit.

RMG Realty, (303)772-4466

4,500 SF in Prospect NewTown, Lgmt. 6 bdrm,

5 baths, $2,900. Avail Jan 1.Access to community pool.This beautiful home withgreat views has all

upgraded features. Alsowould consider lease withoption to buy. Call Laura or

Dave at 303-882-6159.Serious inquires only.

3 BEDROOM, 1 bath,1 car gar. 108 Forsyth Dr.$950 + dep. (303)435-3077

3 BDRM, 2 ba, patio, gar,spectacular country

setting! $1200/mo. Sm petOk. Avail 12-1. 720-233-3708

3 & 4 Bedroom Houseswww.alertrealty.net

3129 Lake Park Way,2 bdrm, 1 ba, 2 car, fncd yd,frpl, $1200 + 303-709-6402

Houses 4080


Real Estate AuctionNominal Opening Bid Starts at $10,000

4650 Holiday Dr Unit 202, Boulder-1 BDRM, 1 BA 766sf+/- condo.3526 E 141ST Place, Brighton3 BDRM 2.5 BA 1,832sf+/-205 Granville Avenue, Firestone2 BDRM, 1 BA 896sf+/-

All properties sell: 8:00AM Fri., Dec. 3 at3526 E 141ST Place, Brighton

Open to the PublicOpen this weekend, please go to

williamsauction.com or call 800-801-8003for details. Many properties now available

for online bidding!A Buyer´s Premium may apply.

Williams & WilliamsCO RE LIC#ER01319859

DEAN C. WILLIAMS BROKER

Misc. 5127

Why rent?Buy a home for

$0 DOWNDo you qualify?

Dedicated to your bestinterest, Longmont´s

Terri Hatch ofPeople´s Mortgage& Devin O´BranaganERA Tradewind

303-775-0710

VERY CLEAN!3 bdrm, 2 bath, all appl´s,hrdwd floors, custom tile.$875 + dep. Firestone.No pets/smoking. Avail.

(303)523-0733.

NW Longmont, 3 BR, 2 ba,1627 Calkins, $1,150/moNP/NS 303-601-6946.

Newer 3 bdrm, 3 ba home,2 car gar, NW loc. No pets.$1450 303-514-3706.

Longmont 4 bdrm,2 ba, fncd yd. 2 car gar.$1350. (303)652-7884

HOUSESHOLIDAY SPECIALS

2- 4 Bedroom Homes• 163 Grant • 19 Reed• 28 Reed • 1973 Carr Ct

• 1513 Green Pl• 132 Telluride• 1012 Pratt St• 1240 Meadow• 1517 24th Ave

• 1249 Whitehall DrCall PMP,

303-776-RENT

FREE RENT!3/4 BDRM- enclosedatrium, laundry room,

privacy fence, gar. $1300.303-548-1091

Houses 4080

Misc. 5127

Responsible, clean M/F,W. side, great area, golfcourse, W/D, kit. $400+1/3utils. 3-775-1144/3-772-8466.

Non-smoker/drinker $450/mo w/util + Dep. Furnbdrm &ba. 303-776-4369

RoommatesWanted 4120

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

Professional garden leveloffice space. 12 X 13 office,w/additional private workspace including smallkitchen & bathroom,14 X 10Conference room, total 600sq. ft., $550/mo. 1714 Duch-ess Dr. 303-651-0304, X 0.

GREAT MASSAGEOFFICE FOR RENT.

(720)280-9047

AFFORDABLE OfficeSpace on Main Street.

Only $250/Mo. 303-862-3232

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

$250/MONTH-Great parking, quiet.

Ground level. Four SeasonsRealty, (303)875-1345

2500 to 5000 SF- great viewsfrom 2nd level, ample park-ing. 2432 Main. 303-875-1345

Office Space 4100

MOBILE HOMES for Rent$650 to $750, 2 & 3 bdrms.River Valley Village,

(303)772-3240

Mobile Homes/Spaces 4090

303-772-7576 629 Terry St., Longmont

www.longmont-realty.comww

LONGMONTREALTY48

-158

804

815 GABRIEL CT., Dacono. Discover the benefi ts of small town living and easy maintenance in this 2 story, 2 bedroom, 2 bath, 1 car garage townhome. Move right in and relax in your new home... $79,900

7 MARSHALL PLACELoads of Potential Here, sweat equity for the Handyperson! Spacious ranch home with 1,633 fi n. sq. ft. and access to unfi nished basement. Rear 2 car detached garage with spacious loft area. Check out the endless possibilities... $99,900

628 4TH ST., FREDERICKHandypersons take note... Perfect opportunity to gain sweat equity for your talents! Put your fi nishing touches on this 3 bedroom, 3 bath with partially fi nished basement. $132,950

50 19TH AVE, #31 LONGMONTCute ranch style condo is move in ready now. 2 spacious bedrooms, 2 baths, enclosed porch, W/D hookups and detached garage. See this neat and clean unit today. Only $79,900!

Longmont 5090

WOW WHAT VIEWS!2.8 acres, water tap in &paid. Electric close, septicneeded & Ish res irrig wtr.$100K, just SE of Berthoud.Call Mark Sullivan at ERATradewind (303)684-6335

Farms, RanchesAcreages 5050

Real Estate

773 SQ FT- busy shoppingcenter, 1116 Francis St,

$825. Alert RE (303)776-5156

Retail Space 4135

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

(303)931-7108

BSMT Rm w/prvt ba, accto kit. & laund rm., NS $600+ dep w/util incl. 3-485-9730

RoomsFor Rent 4130

WE BUY HOUSES!CASH or TERMS

Close fast - any condition303-817-6168 Let´s Talk

✭Opportunity For You✭4 Bdrm, 3 ba, 2 car bi-levelin Melody Valley. W/someTLC it will be a gem!

Mostly hrdwd flrs on mainlevel under some carpets.Lg kitch, din room. $179,000

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

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1314 S. Emery St, LgmtOpen Sat. 1-4, $174,9003bd 2.5 ba condo.

Joy Brooks, KWFRP303-570-6402

Longmont 5090

Self-Serve ClassifiedsImmediate access at your fingertips.

www.timescall.comClick on “Submit An Ad”

303-776-7440Classifieds

07423006

Sell, Advertise, Recruit

3 BDRM, 1 BA, new carpet,W/D, carport, Lgmt adultpark age 55+, 970-215-1819

Mobile/ 5130ManufacturedHomes/Spaces

LAKESIDE Custom LotsOnly seven left! $125K-up.Invest now. Build later.Beautiful, quiet Victorianneighborhood. Rural living-

city services. www.lakemcintoshfarm.comHugh Fowler 303-986-1606

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

Seasons Re, (720)494-2133.

Lots & Tracts 5100

✭ MOBILE HOMES ✭BUYING/SELLING

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

970-222-1473✭ 690-2725 or 690-3283 ✭

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WOW!!!Beautiful 3 bdrm/2 bathHome for only $49,900.With lot rent specials

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very, very fast!

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Classifieds


Real Estate Transactions are supplied byProspects Unlimited Inc., 1151 EagleDrive Ste. 467, Loveland, CO 80537.

Longmont• Donald & Mary Begalle from

Howard Willis, 1232 Cornell Dr,Longmont, $227,000, home

• Matthew & Amy Miller fromSteve Conder, 837 Glenarbor Cir,Longmont, $380,000, home

• Randy & Linda Heil fromFederal Home Loan Mortgage,677 Penhurst Cir, Longmont,$259,000, home

• Steve Troyer from MargaretFleming, 1006 Red Oak Dr, Long-mont, $180,000, home

• John McGarity from FrancisGilmore, 435 Emery Dr, Long-mont, $230,000, home

• John McGarity from FrancisGilmore, 429 Emery Dr, Long-mont, $230,000, home

• Scott Cobb from ThereseJohnson, 1234 Carolina Ave,Longmont, $224,000, home

• Greg & Stacie Fieth fromMegan Rossman, 803 Grant St,Longmont, $225,000, home

• Maryann Martinez from PaulRoundy, 2441 Meadow St, Long-mont, $187,000, home

• Amelia Froy from AnthonySarto 2010 Family Trust, 823Sumner St, Longmont, $223,000,home

• Donald & Donna Vermeerfrom Bank New York Mellon, 804Summer Hawk Dr Unit 1303,Longmont, $111,900, condo

• Lawrence & Margaret Stonesfrom Thomas Charles, 1379Clemson Dr, Longmont,$357,000, home

• Greg & Amy Payne fromFederal Home Loan Mortgage, 32E Mountain View Ave, Longmont,$93,000, home

• Eric & Katie Conner fromBrett Hardtle, 566 E 16th Ave,Longmont, $262,000, home

• Resident from Markel HomesConstruction Co, 1530 LincolnSt, Longmont, $327,500, home

• Robert Thayer from GregoryPayne, 1609 Redfern Pl, Long-mont, $189,000, home

• Jesse Bond from DavidDeuitch, 10671 Upper Ridge Rd,Longmont, $139,500, home

Berthoud• Michael & Kelli Peterson

from Mountain High HomeBuilders Inc, 1731 Exeter St,Berthoud, $391,000, home

• Aaron & Carla Gustafsonfrom Berthoud Lake LLC, 2044Burbank St, Berthoud, $310,000,home

• Brandy Queen from StevenRomans, 144 Welch Ave,

Berthoud, $147,500, home• Karen Bishopstone from Don-

na Siefert, 840 10th St, Berthoud,$181,500, home

• Regina Sanders from WilliamUnruh, 533 S 9th St, Berthoud,$335,000, home

Dacono• Meredith & Elia Folley from

Fannie Mae, 420 Short Dr, Da-cono, $198,000, home

• Robert & Mona Beach fromNicole O’Brien, 207 SundancePkwy, Dacono, $150,000, home

Erie• Jonathan & Angela Lampros

from Fannie Mae, 860 QuintanaLn, Erie, $407,000, home

• Mark & Joanne Pastor fromTaylor Morrison Colo Inc, 1144Lasnik St, Erie, $324,600, home

• Gabriel & Megan Colbethfrom Taylor Morrison Colo Inc,1156 Mircos St, Erie, $280,600,home

• Eric & Rebecca Middletonfrom Taylor Morrison Colo Inc,1127 Zodo Ave, Erie, $385,600,home

• David & Jennif Moore fromDouglas Clark, 913 Eichhorn Dr,Erie, $260,000, home

• Linda Hance from FannieMae, 392 Montgomery Dr, Erie,$155,000, home

• Janice Ferwerda from TaylorMorrison Colo Inc, 525 PowersSt, Erie, $346,000, home

• Devon Hopkins from TaylorMorrison Colo Inc, 410 MazziniSt, Erie, $290,000, home

• Scott & Melissa Kozub fromAdriane Wack, 1804 Alpine Dr,Erie, $389,200, home

• Thomas & Lisa Heather fromTodd Bearup, 1188 Conway St,Erie, $455,000, home

• Shirely Henly from Six PointErie Village, 1008 Village Cir,Erie, $321,800, home

• Andria & Neal Elder fromNancy Engle, 1772 Clark Dr, Erie,$220,000, home

• Shirley Henly from Six PointErie Village LLC, 1002 VillageCir, Erie, $309,400, home

• Alvina Living from DennisArnold, 1693 Alpine Dr, Erie,$312,000, home

• Virginia Fonte from BruceCohen, 315 Moffat St, Erie,$157,500, home

• John & Heather Shea fromEvelyn Goei, 1860 Alpine Dr,Erie, $420,000, home

• Joseph Bowen from VRC De-vl LLC, 1425 Blue Sky Cir Unit15-103, Erie, $115,900, condo

Firestone• Timothy Thornton from Erin

Brueggeman, 6178 Valley VistaAve, Firestone, $254,000, home

• Joshua Strange from CaseyDetorie, 5951 Shenandoah Ave,Firestone, $264,000, home

• Art Martin from Scott Maier,6435 Shenandoah Ave, Firestone,$285,000, home

• Mitchell & Bobbee Templefrom Douglas Yanker, 6732 Sun-burst Ave, Firestone, $259,900,home

Fort Lupton• Jacob & Betty Dawson from

James Terry, 10701 Highway 52,Fort Lupton, $329,000, home

• Michael Rethke from FannieMae, 10321 Weld County Road23, Fort Lupton, $150,000, home

• Kenneth & Sharon Swannerfrom Vu Lam, 875 McKinley Ave,Fort Lupton, $148,000, home

Fr e d e r i c k• Austin & Susan Williams

from Bank New York MellonTrust Co, 5486 Eldorado Dr,Frederick, $220,000, home

• Nome LLC from Fannie Mae,5758 Canyon Cir, Frederick,$192,500, home

• Elke Willis from MelodyHomes Inc, 8157 Morning Har-vest Dr, Frederick, $219,500,home

Ly o n s• James McCain from Frank

Judish, 3358 Riverside Dr, Lyons,$155,000, home

• Mark Franzen from RogerPeirce, 2585 Riverside Dr, Lyons,$342,500, home

Niwot• Andrew & Shelley Allen from

Catherine L Clement Revocable,8075 Meadowdale Sq, Niwot,$330,000, home

Platteville• James Plumb from Fannie

Mae, 440 Stevens Cir, Platteville,$130,000, home

Foreclosures – notice of electionand demand

• Borrower: Kyler & AshleyMilligan, Lender: GMAC Mort-gage LLC, Amount: $140,963,Property: 1401 Willow Dr,Berthoud, Filed: 11/16/10

• Borrower: Melisa & MarkO’Leary, Lender: First HorizonHome Loans, Amount: $268,409,Property: 130 Bein St, Berthoud,Filed: 11/17/10

• Borrower: William & JanaHemion, Lender: Chase Home Fi-nance LLC, Amount: $194,124,Property: 440 Elizabeth St, Da-cono, Filed: 11/17/10

• Borrower: Debora Turner,Lender: GMAC Mortgage LLC,

Amount: $175,173, Property: 500Elizabeth St, Dacono, Filed:11/12/10

• Borrower: Marie Gabriella,Lender: US Bank National Associ-ation, Amount: $359,991, Proper-ty: 4415 NE County Line Rd,Erie, Filed: 11/17/10

• Borrower: Kerstin Stanford-Dorren, Lender: Sabr MortgageLoan 2008-1 Reo, Amount:$591,195, Property: 2701 Iron-wood Pl, Erie, Filed: 11/15/10

• Borrower: Brett & NoniShull, Lender: US Bank NationalAssociation, Amount: $192,367,Property: 10238 Dover St, Fire-stone, Filed: 11/15/10

• Borrower: Bryan & VickiO’Leary, Lender: BAC HomeLoans Servicing LP, Amount:$301,806, Property: 5861 Moun-tain Shadows Blvd, Firestone,Filed: 11/16/10

• Borrower: Judith Madrid,Lender: Fifth Third MortgageCompany, Amount: $154,766,Property: 714 Florence Ave, Fire-stone, Filed: 11/16/10

• Borrower: Jeffrey Dolph,Lender: Chase Home FinanceLLC, Amount: $157,986, Proper-ty: 314 Wooster Ave, Firestone,Filed: 11/15/10

• Borrower: Zachary & LoriJones, Lender: Wells Fargo BankNA, Amount: $179,201, Property:11291 Coal Ridge St, Firestone,Filed: 11/17/10

• Borrower: Michael & JanicaJohnston, Lender: Deutsche BankNational Trust Company,Amount: $247,396, Property:5864 Pintail Way, Frederick,Filed: 11/15/10

• Borrower: Cheryl Detwiler,Lender: Citimortgage Inc,Amount: $164,576, Property:5846 Canyon Way, Frederick,Filed: 11/17/10

• Borrower: Peggy Deese,Lender: Chase Home FinanceLLC, Amount: $259,197, Proper-ty: 1440 Whitehall Dr, Longmont,Filed: 11/12/10

• Borrower: Teresa Gonzales,Lender: BAC Home Loans Servic-ing LP, Amount: $142,661, Prop-erty: 1601 Great Western Dr A3,Longmont, Filed: 11/15/10

• Borrower: Donald Polder &Robert Morrison, Lender: AuroraLoan Services LLC, Amount:$160,600, Property: 2236 SmithDr, Longmont, Filed: 11/15/10

• Borrower: Deanna Capaldi,Lender: Deutsche Bank NationalTrust Company, Amount:$224,978, Property: 921 6th Ave,Longmont, Filed: 11/17/10

• Borrower: Avis Burnett,Lender: US Bank National Associ-

ation, Amount: $264,051, Proper-ty: 56 Eagle Feather Way, Lyons,Filed: 11/17/10

• Borrower: Linda Feola-Jung,Lender: Liquid Holdings LLC,Amount: $34,241, Property:18230 County Road 35, Plat-teville, Filed: 11/17/10

• Borrower: Steven Bush,Lender: Federal National Mort-gage Association, Amount:$211,129, Property: 10536 Sun-burst Ave, Firestone, Filed:11/08/10

• Borrower: Emily & JasonBenton, Lender: EMC MortgageCorporation, Amount: $195,166,Property: 9747 Cascade St, Fire-stone, Filed: 11/04/10

• Borrower: Lino Meraz Olivas,Lender: JPMorgan Chase BankNational Assoc, Amount:$140,981, Property: 105 6th St,Fort Lupton, Filed: 11/04/10

• Borrower: Gunnybuck Inc,Lender: Aurora Loan ServicesLLC, Amount: $166,460, Proper-ty: 1813 Chestnut St, Fort Lup-ton, Filed: 11/05/10

• Borrower: Rosemary Borders,Lender: BAC Home Loans Servic-ing LP, Amount: $171,614, Prop-erty: 7169 Henry St, Fort Lupton,Filed: 11/05/10

• Borrower: Christy Vegwert,Lender: BAC Home Loans Servic-ing LP, Amount: $83,565, Proper-ty: 211 5th St, Fort Lupton, Filed:11/10/10

• Borrower: Jim & ReginaField, Lender: Bank Of AmericaNational Association, Amount:$346,888, Property: 14875 Coun-ty Road 6, Fort Lupton, Filed:11/10/10

• Borrower: Eric Johnson,Lender: Chase Home FinanceLLC, Amount: $176,404, Proper-ty: 2311 Collyer St, Longmont,Filed: 11/04/10

• Borrower: Harvey & BarbaraMathewes, Lender: The Bank OfNew York Mellon, Amount:$138,390, Property: 453 NewmanCir, Longmont, Filed: 11/05/10

• Borrower: Christine & PhillipLittle, Lender: Bank Of AmericaNational Association, Amount:$1,200,000, Property: 8630 Crim-son Clover Ln, Longmont, Filed:11/04/10

• Borrower: KennethHartzheim, Lender: ColoradoHousing And Finance, Amount:$115,458, Property: 1606 EmerySt, Longmont, Filed: 11/04/10

• Borrower: Enrique Chacon,Lender: BAC Home Loans Servic-ing LP, Amount: $187,522, Prop-erty: 1513 Kimbark St, Long-mont, Filed: 11/08/10


SATURDAY OPEN HOUSESSATURDAY OPEN HOUSESPrice Location Address Hours Offi ce Phone

$174,900 Longmont 1314 S. Emery St 1-4 keller Williams/Brooks 303-570-6402

$239,000 Longmont 1538 Venice Ln 11-4 Boulder Creek Builders 303-502-5338

$239,900 Longmont 926 Hover Cir 1-4 Keller Williams/Taylor 303-776-3200

$259,900 Longmont 1243 Hummingbird 12-4 Blue Vista Sales/Biggs 303-652-7949

$338,458 Longmont 1345 Bluemoon Dr 12-4 Shadow Grass Park 303-776-3331

$359,900 Longmont 4215 San Marco Dr 1-3 Windemere Realty/Lee 303-589-4712

$379,000 Longmont 503 Collyer St Appt Old Town Real Estate/Dudley 303-776-4004

SUNDAY OPEN HOUSESSUNDAY OPEN HOUSESPrice Location Address Hours Offi ce Phone

$239,000 Longmont 1538 Venice Ln 11-5 Boulder Creek Builders 303-502-5338

$338,458 Longmont 1345 Bluemoon Dr 12-4 Shadow Grass Park 303-776-3331

$379,000 Longmont 503 Collyer St Appt Old Town Real Estate/Dudley 303-776-4004

Get a full color picture of your open house, the open house hours, address, price and your nameand phone number featured at the top of our popular Open House Grid!

- Only 4 spots available per week on a fi rst-come basis -

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Longmont

$239,900This lovely town home backs onto

common area park. 3BRs, including expanded MBR, 3 baths, double garage, reasonable HOA fees. Don’t miss seeing this home.

Sandy Taylor/Keller Williams • 303-776-3200

48-1

5880

7

Open Sat & Sun 12-41345 Bluemoon Dr.

Longmont

$338,4581756 SF 2BR + Study 2BA. Partial

Basement, Corner Lot. 2 ½ Car Garage. Low Maintenance Community!

Shadow Grass Park • www.shadowgrasspark.com • 303-776-3331

47-158167

$ 7,500 SAVINGS NOW!

Open Sat. 1-3pm4215 San Marco Dr.

Longmont$359,900

4 Bdrms, 4 Bths, 2 Frplcs, Finished basement & a Gourmet’s Dream Kitchen! Huge Master Suite w/5

piece Bath. Granite countertops and lots of extras.

Terry Lee • Windemere Realty • 303-589-4712

48-158821

Open Sat & Sun. 11-51538 Venice LnSW Longmont$239,000

Low-Maintenance Townhome, 1,559 sq.ft.2 Bed + Lofted Study, 3 Bath, 2 Car Attached

Garage. Built Green, Energy Star Rated

www.LiveBoulderCreek.com • 303-502-5338

47-158778

Open Sat. 12-41243 Hummingbird Cir.

Longmont$259,900

SELLER WILL PAY UP TO 3% OF CLOSING COSTS!3 bed, 3 bath, 2200 sq. ft.

See www.MyBlueVista.com

Natasha Biggs - Blue Vista Sales - 303-652-7949

48-160010

NEW PRICE

By Appointment Only

503 Collyer StreetHistoric Old Town Longmont

$379,000Beautiful Historical Old Town

Property is a must see! 3 Bd/2ba, 2,713 sqft. See Details at:

www.OldTownRealEstateCo.com

Cory Dudley • Old Town Real Estate Co • (303) 776-4004

45-1

5790

2

OLD TOWN

Home and Real Estate Weekly

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