Home & Real Estate Weekly

HOME & RealEstateWeekly

May 28, 2011

Longmont Times-Call www.HomeandRealEstateWeekly.com

Keeping the weedsdown in your yard

WWWeeeeeedddFFFrrreeeeeeRRReeefffiiinnnaaannnccciiinnnggg OOOppptttiiiooonnnsss

Getting rid of debtbefore retiring

Side tablesthat inspirea room

2 Times-Call / Home & Real Estate Weekly May 28, 2011

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.

Kristi RitterSpecialty Publications [email protected]

303-684-5275Summer Stair

Specialty Publications Associate [email protected]

On the CoverUse Preen to help control weeds at home. Seestory above. (Special to the Times-Call)

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.

Stay six stepsahead of weedsSpecial to the Times-Call

Every garden is filled with millions ofweeds, even if they can’t be seen. Youcan pull, chop, spray and dig weeds out,but they remain. That’s because gardensoil is well-stocked with millions of fu-ture weeds in the form of seeds.Nature gives weeds survival skills that

make it easy for them to procreate anddifficult for us to eradicate them. With astrategic approach, however, it’s possibleto beat weeds at their own game, bystopping weed seeds from sprouting.Here are six simple steps that can rad-

ically reduce time and energy wasted onweeds, resulting in nearly weed-free gar-dening throughout time.

Get Rid of Existing WeedsNew weeds come from mature weeds

gone to seed. Eliminating those weeds isthe first step. You can pull them, digthem, or spray and kill them. Whateveryou do, be sure to get them, roots andall.Of course dead weeds still need to be

removed. So in many cases it may befaster, cheaper and just as easy to simplydig out existing weeds by hand. The ex-ceptions, of course, are invasive weedssuch as bindweed, poison ivy andknotweed, which need to be both killedand then removed and disposed ofcarefully.

Add Mulch as a First Line of DefenseWeed seeds beneath the soil surface

are dormant. It’s only when exposed tolight that those seeds sprout. Adding a2- to 3-inch layer of mulch helps keepthe seeds in soil in the dark.

Prevent New Weeds from StartingA pre-emergent weed preventer such

as Preen used in combination withmulch provides a double whammy ofweed control, stopping seeds fromsprouting for up to 3 to 4 months. Thisworks whether the seeds are already inthe top layer of soil or mulch, or carriedin by the wind, birds or animals duringthat time. Early spring, when forsythia isin bud locally, is the optimal time tostart a weed prevention program. Thatsaid, Preen is effective spring, summerand fall, so any time is a good time toapply it.Just sprinkle the granules directly on

the soil surface or on top of the mulch.If mulch is deep (3 inches or more),Preen should be applied over the mulch.Follow the directions on the package forcorrect application and best results.Preen also offers a completely organicoption for vegetable gardens that’s madeof granulated corn gluten.

Activate the Weed-Control BarrierAfter applying Preen weed preventer,

it must be watered in to activate it. Onceactivated, Preen bonds with soil parti-cles, creating an invisible weed-controlbarrier that prevents weed seeds fromforming roots for up to three to four

months. No roots, no weeds. Preen’s all-organic formula works in a similar man-ner, though its effects last only four tosix weeks. There’s also a special baggedweed-suppressing mulch, Preen MulchPlus, with powerful weed preventers al-ready mixed in, that protects againstweeds for up to six months. Note thatPreen should not be used near aquaticeco-systems or near rivers, streams,ponds, water gardens or pools, drains orsewers that flow into bodies of water.

Eject any Weedy VolunteersSometimes unseen weeds will have al-

ready sprouted before you lay downmulch and weed preventer. As you seethem, pull them out. Remember thatweed seeds already in the soil are onlypart of the problem. Other weed seedscontinue to arrive in the garden, day af-ter day, borne on the wind or by birdsand animals. Preen will stop most fromsprouting, but a watchful eye and peri-odic spot action can help you stay aheadof any weedy interlopers.

The Campaign ContinuesIn mid-summer, a second application

of Preen helps squelch windborne seedsfrom weeds that set seed in late summeror fall.Each spring begin the campaign anew.

Refresh mulch as needed and reapplyweed preventer. As you start the processagain, each year, you’ll find fewer weedsto deal with.

Preen weed preventers won’t build upin the soil, or leach into ground water.Within six months to a year or so the ac-tive ingredient in Preen is broken downby soil microbes and is no longer active.As with all garden products it’s impor-tant to read and follow the directions onthe label.By following simple anti-weed rou-

tines it’s possible to stop most gardenweeds in their tracks. A weed-free gar-den is better for your plants and betterfor you, leaving more time to enjoy yourgarden. Which is as it should be.

May 28, 2011 Times-Call / Home & Real Estate Weekly 3

Coral Bellsburstingwith color

A guide to good bugsIs there really such a thing as a good bug? A nice bug does noharm, meaning it’s garden-friendly and doesn’t eat any of yourplants or crops. A really good bug eats those insects that makemincemeat of your plants or crops. But understand, a lot ofgood-bug behavior is hard to find. That’s because much of it isout of sight. The stealth stage of most of these insects is thelarvae, and that’s why life cycles are key.

LadybugBoth larvae and adults feed on aphids, the former devouringhundreds during development and the latter consuming thou-sands. Also favored are thrips, spider mites, mealy bugs, softscales, whitefly and a variety of other soft-bodied, plant-eatinginsects. By summer’s end, they may eat pollen.

Braconid WaspBraconid wasps have such a strong reputation as killers of peststhat they are widely used in agriculture. A few adults prey onother adult insects, but most feed on pollen. It’s the larvae thatare extremely valuable controls of garden, farm and forest pests.

Ground BeetleWhy they’re good: A pest killer in two stages of its life cycle,this beetle enjoys snails, slugs, cutworms, gypsy-moth larvae,root maggots, tent caterpillars, Colorado potato beetle larvaeand other pests that spend a stage of their life cycle in the soil.

Spined Soldier BugAnother two-stage pest killer, the spined soldier bug effectivelytargets more than 100 insect pests, including caterpillars andgrubs of gypsy and night-flying moths, Mexican bean and Col-orado potato beetles and sawflies. It, too, has earned a place inthe ranks of commercially available pest controllers, especially inthe control of tent caterpillars.

– Michele MacDonald, hgtv.com

A co-worker whispered in my ear the otherday, extolling the amazing charms of the newCoral Bells (Heuchera spp.) coming onto themarket. These plants, she insisted, will take yourbreath away with colors sorich, so brilliant, you’llwant to plant them all. Toprove her point, she sentme to the website of TerraNova, (terranovanurs-eries.com/gardeners/) aleader in specialty plantdevelopment.I clicked on the link to

the Heuchera collection,and was instantly sweptaway by the gorgeous pal-let of plants. The crimson,maroon, chartreuse andpurple leaves captivated my eye; variegated andsilver-frosted leaves added elegance. I believe Imoaned out loud.Heucheras are easy to grow perennials that do

best in part shade, but breeding improvementshave given some of the Heucheras tolerance forfull sun. They’re in their glory in shade gardens,where their dazzling colors appear to glow.Formal, whimsical, in borders or beds, you can

find a Heuchera to fit your style. Here are a fewnew varieties to put in your garden.• Cherry Cola is an outstanding, 6-inch tall

mounding Heuchera that gives big impact at thefront of the bed. One of Terra Nova’s “Soda” se-ries (with Root Beer and Ginger Ale), the rich redleaves look stunning against nearby green leafedplants. Flower spires are cherry red, held on

stalks up to 18 inches tall. Though a rapid grow-er, Cherry Cola doesn’t drink a lot of water.

• Peach Crisp, with ruffled, amber and peachleaves, is incandescent in any garden or contain-er. Use to add texture and eye-popping color toborders or pots – this is a blazing glory to behold.Petite white flowers held on stalks above the fo-liage add a bit of jazz.

• Double your fun with Shanghai, whose deeppurple leaves are lightly frosted in silver. Perfectfor anchoring the front and center of your gar-den, Shanghai stands tall at 10-inches high, withwhite flower spikes up to 18 inches. Toughthroughout winter, this Heuchera blooms fromMay through September.

• Mint Julep adds green and silver to darkercorners of the garden. Young leaves emergelemon-lime in color, then mature into mint green.Ideal for blending into perennial gardens thatstruggle for zing, Mint Julep is a favorite of but-terflies and looks stunning planted in masses.

• Autumn Leaves took my breath away withthe promise of four season glory. If you’re piningfor color and love showy plants spring, summerand fall, pop Autumn Leaves into the garden.Early season leaves emerge bright red, while sum-mer foliage is taupe. Once fall arrives, the plantheats up, blazing into ruby tones. Mass this in thegarden, plant it into containers for fall or use it toaccent perennial beds.

• Spice up your garden with Electra, a showstopping Heuchera with gold toned leaves veinedin blood red. Follow the seasons with changes inleaf tones, with bright yellow leaves in spring,chartreuse foliage in summer, and amber-tanleaves in fall. White flowers are compact; thisplant is all about the leaf colors.

• Though the silver-green leaves of Lipstick areunderstated, the flowers make a stunning show.Flashy lipstick red spires soar over the plant, cov-ering it in masses of brilliant red. In mass, thisHeuchera really struts its stuff.

• Blackout, a top performer at CSU Perennialtrials in 2009, is a glossy-leafed Heuchera that istough enough to take our intense sun. Black fo-liage adds elegance to formal gardens, while themasses of white flowers cover the plant.

Shop now to add these Heucheras into yourgarden; they’ll reward you year after year withcolorful counterpoints in the garden.

Carol O’Meara is a horticulture entomologist with theColorado State University Extension office at the BoulderCounty Fairgrounds in Longmont. Contact her by calling303-678-6238 or emailing [email protected] more gardening tips, check out her blog atgardeningafterfive.wordpress.com.

Carol O’MearaColorado State

University Extension

Heuchera Cherry Cola, top, Huechera Peach Crisp.(Courtesy Terra Nova)

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Side tables thatinspire a room

Think outside the boxto improve home valueArticle Resource Association

For years, the conversation about strengthen-ing your home’s value has revolved around inte-rior projects. However, by keeping the focus in-side, you might be ignoring one of the most ef-fective ways to bring your property value up: thegarden.

When discussing home value, “garden” meansmore than just flower beds. It includes yourlawn, gathering spaces on your property, pathsand walkways, in addition to the trees, shrubsand flowers that decorate the space. In a housingmarket where it’s still difficult to stand out, turn-ing your attention and efforts to these areasmight be just the thing that will attract buyers.

It’s a simple concept: A more attractive houseis a more valuable house. And since your yardand garden are often what buyers see first, it’syour best opportunity to set the tone as they con-sider your property and what they’re willing topay for it. In fact, well-designed landscaping wasshown to raise perceived residential property val-ue by as much as 18 percent, in a study recentlyreleased by Swedish power tool maker Husqvar-na.

In terms of return on investment, maintainingan attractive lawn and garden was shown to re-turn $1.80 per dollar spent. For those who wantto improve their home’s value, but can’t afford tohire contractors for major interior repairs, gardenimprovements can be an affordable alternative.

Those not sure where to start can look to thewide variety of gardening websites, televisionprograms and magazines for inspiration andpractical tips. Some of the top-ranked garden at-tributes for improving home value included: awell-maintained lawn; an inviting social area;stone paths and walkways; decorative trees,bushes and shrubs; well-kept hedges; and nicelydesigned flower beds.

By Mary Carol GarrityScripps Howard News Service

Whether proudly flanking a sofa or tucked up next toa chair in a corner, side tables are a key component of asensational seating arrangement. There are a lot of fac-tors to consider when picking side tables. Here are sometips to aid your search.When I select side tables for my home or those of

friends and customers, I always look for pieces that havebeautiful lines, a lot of character and a top that’s broadenough to hold a few treasures. But the most importantfactor is the scale. It’s essential that the table match thescale of the furniture it will stand by.Pair a sofa or chair that is large and beefy with side ta-

bles that have some visual weight, as well. If you have aside table that is petite and leggy, you can give it morevisual weight by placing something underneath it, like alarge trunk basket or a garden stool.When figuring the dimensions for the table, make

sure the tabletop is about 5 inches above or below thearm of the chair or sofa it will stand next to so you caneasily reach the tabletop when you’re seated.My favorite rooms are those that appear to have

evolved slowly through time, becoming more beautifulas the homeowner adds new items. An easy way to giveyour room this layered look is by using different-styledside tables. Once you make sure the scale of the tablesmatch, the sky is the limit on what they look like.Don’t be afraid to put a traditional table on one end of

a sofa and a more contemporary table on the other. Ifyou don’t feel comfortable crossing design classifica-tions, pick dissimilar-looking pieces from the same cate-gories, such as two traditional tables that look complete-ly different, like a small chest of drawers and a drop-leaftable.While I love end tables in all styles and finishes, from

painted wood to bamboo and wrought iron, my favoriteis the Pembroke table that’s in my study right now. The

Pembroke is a traditional wooden table that features twodrop leaves, which means it’s amazingly versatile.Right now, I can’t get enough of smaller-scaled tables

that remind me of something you’d find in your grand-mother’s home. They give a room a timeless feel.It’s little details that make each side table unique and

a wonderful addition to your well-furnished room.When you shop for side tables, look for interesting fea-tures that steal your heart. I fell for one table, for in-stance, because each shelf was topped with a mirror.Sometimes I like to swim upstream when furnishing

my home, using new pieces in unusual ways that rethinkinterior-design rules. A great way to push the boundsand achieve dramatic results is to use something uncon-ventional as a side table.

When selecting a side table, look for strong character, beautifullines and a top broad enough to hold a few treasures. (SHNSphoto by Landis Collis/Nell Hill’s)

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Great Outdoors

Article Resource Association

If you’re looking for something tomake things seem a little less dreary thisspring, there’s no better place to startthan with your home’s interior.“Brightening up your living space is

one of the best ways to embrace thechange of seasons after a seemingly end-less winter,” says Rachel Skafidas, colorand design specialist for Dutch BoyPaints. “In particular, the introductionof crisp, new paint color throughoutyour home can usher in an almost in-stantaneous feeling of renewal to yoursurroundings.”What’s best, adding revitalizing color

doesn’t have to be expensive or compli-cated.“One of the easiest and most cost ef-

fective ways to give a room an entirelynew appearance is with paint,” Skafidassays. “For a few dollars and within a fewhours, any space can take on a com-pletely updated look and feel. This year,Dutch Boy has made it even easier bycreating a special palette of four spring-inspired colors to help simplify yourseasonal design projects.”From the blue hues of early spring

skies to the vibrant greens bursting out-side your windows, you can effortlesslyincorporate springtime nature into yourhome, whether you’re painting walls,trim or looking for accent colors thatpop. This year’s spring color paletteincludes: Pursuit of Happiness, FreshLinen, Weathered Wicker and

Aubusson Vine.

Capture it with ColorAfter enduring months of gray, dull

weather, nothing revives a room morethan a paint color named Pursuit ofHappiness. This neutral, grayed blue of-fers a cool, refreshing feel to any spacewhen combined with a warm, welcom-ing neutral, such as Fresh Linen.Together the pairing creates a perfectlybalanced blend that can uplift anyinterior.“Spring rejuvenation reaches beyond

painting walls,” Skafidas says. “Just likethe blooming flowers and greenery inyour yard, brilliant accent colors can in-ject energy into every aspect of yourhome. For example, consider usingpaint to showcase unique architecturaldetailing, such as intricate trim andmolding, built-in bookcases and shelves,as well as door panels.”Skafidas suggests two Dutch Boy hues

as ideal decorating accents, the warmgold-infused brown of Weathered Wick-er and the rich green of Aubusson Vine.Both colors echo the growth occurringoutside.

Explore Other SensesBeyond paint color, take into consid-

eration other design elements found innature that can also have a significantimpact on an interior space, one ofwhich is texture. If your budget allows afew small changes beyond painting, con-sider removing heavy, winter-warming

materials, such as damask or velvet,from the room and look to lighter, airiertextiles. Heavy draperies can be replacedwith sheerer window coverings that al-low sunshine to filter through. Cover adark sofa with a slipcover made fromlinen or lightweight cotton. Even small-er items such as candle holders, pictureframes and lampshades can be inter-changed as the new season approachesand then easily and quickly replacedwhen the weather once again turnscolder.In addition to color and texture,

springtime is filled with lively,invigorating aromas. Rather than usingan artificial fragrance in your home,bring an actual piece of the season’sessence inside by investing in bunchesof fresh daffodils, hyacinths and tulips –or cut them from your own flowerbeds.Place vases of them around your houseand you’ll quickly discover the instanta-neous and mood-lifting effect fresh flow-ers can have on any room.

Turn to nature for inspirationwhen revitalizing tired interiors

Crisp, new paint color can usher in analmost instantaneous feeling of renewalthroughout your home. (ARA)

Diane Stow,ABR, CRS, GRI,SRES, CDPE

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715 Sandpoint Drive715 Sandpoint DriveWOW! Immaculate quad level!Newer paint in and out, newer8x10 storage shed in bkyd,newer mstr bath vanity & tileflr. 3 Bed, 3 Bath w/2027+/-tot.sq.ft.New H2O htr. in 2010.Study/loft areaoverlooks liv.Rm.Spacious eatin kitchen w/newerrefrig overlooks fam rm w/gasfrplc. Lg. patio in priv. fencedbkyd.Spr.Syst.SunnySouthern

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1529 Lark Bunting Pl.1529 Lark Bunting Pl.This home is TRULY in LIKE-NEWCONDITION. Immacuatelykept inside, beautifullylandscaped & maint. outside. 4Bed, 3 Bath w/4110+/-tot.sq.ft.On very low traffic st. nearpark. elem. school,shopping &dining. New 50 gal H2O htrin ‘11.Full unfin bsmt. Lg mstrw/vaulted ceiling, 5 pc bath &spacious walkin closet. Kit.w/42” cabinetry, island & pulloutshelving.Upgraded light &plumbing fxtrs. Covered patio.

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Mortgage market showssome improvementThe Mortgage Bankers Association announced

this week that the number of delinquent home-owners rose in the first quarter of 2011, butthroughout the course of a year the number hasdropped substantially.According to the MBA delinquency

survey, the delinquency rate for mort-gage loans on one-to-four-unit resi-dential properties increased to a sea-sonally adjusted rate of 8.32 percentof all loans outstanding as of the endof the first quarter of 2011, an in-crease of seven basis points (0.07 per-cent) from the fourth quarter of 2010.The better news is that the number

of homeowners who are delinquenton their mortgage decreased 174 basispoints (1.74 percent) from one year ago. Thenon-seasonally adjusted delinquency rate de-creased 117 basis points to 7.79 percent thisquarter from 8.96 percent last quarter.According to the report, the combined percent-

age of loans in foreclosure or at least one paymentpast due was 12.31 percent on a non-seasonallyadjusted basis, a 129 basis point decline from13.60 percent last quarter.While this doesn’t sound like a huge decrease,

MBA chief economist Jay Brinkmann says it’s asign that the “mortgage market is on the mend.”The rate of borrowers who are less than 90

days late on their mortgage (known in street par-lance as a “short-term” delinquency) remain atpre-recession levels, Brinkmann says. Moreover:• The number of borrowers who are 90 days or

more delinquent on their mortgage payments hasdropped for five straight quarters and is at thelowest level since the beginning of 2009.• Foreclosure starts are at the lowest level since

the end of 2008 and had the second largest dropever.• The percentage of loans somewhere in fore-

closure is down from last quarter’s record highand also had one of the largest drops we have ev-er seen, although the reasons for the drop willdiffer from market to market.

Brinkmann notes that loans originated be-tween 2005 and 2007, at the height of the realestate market, showed particular improvement.“These are the loans that drove the mortgage

market collapse and now representabout 31 percent of loans outstand-ing, but 65 percent of the loans seri-ously delinquent. Given that loansoriginated during this period are nowpast the point where loans normallydefault, and that loans originatedsince then generally have better creditquality, mortgage performance shouldcontinue to improve,” he says.While it’s interesting to look at the

national statistics, real estate is drivenentirely by local business and market

conditions. Local economies drive home value,since it’s tough to pay the mortgage if you don’thave a regular paycheck coming in. But beyondhaving dollars in their pockets, whether home-buyers or someone they know have been hurt bythe Great Recession “determines values and peo-ples’ perception of values,” Brinkmann adds.According to the survey, some states are still in

trouble.• Twenty-four percent of all mortgages in the

country that are in foreclosure are in Florida, and23 percent of the loans in Florida are anywherefrom one payment past due to in foreclosure.• In Nevada, foreclosure actions are being initi-

ated at an annualized rate of more than 9 percent.• In Arizona the annualized rate of foreclosures

started is more than 7 percent, and more thanhalf of all of the loans in foreclosure in this coun-try are in just five states.Yet Brinkmann notes that 38 states have fore-

closure rates that are below the national average.“We have areas of recovery but those numbers areoften overwhelmed by the bad numbers still com-ing out of a few large states,” he says.

Ilyce R. Glink’s latest book is “Buy, Close, Move In!” If youhave questions, you can call her radio show at 800-972-8255 any Sunday, from 11 a.m. to 1 p.m. EST. ContactIlyce through her website at www.thinkglink.com.

Ilyce GlinkTribune Media Services

Realtors open doors to buyers across the nationAs the spring home buying season kicks off,

Realtors across the nation will host thousandsof open houses in neighborhoods across thecountry by participating in the 2011 RealtorNationwide Open House Weekend on June 4and 5.Realtors in Longmont invite buyers to visit

some of the many open homes throughout thearea where they can learn more about homeownership. As the country continues to feelthe effects of the recession and unemploymentrates, many have pointed to housing as a keyeconomic driver. It is estimated that for everytwo homes sold, one private-sector jobs are

created. In addition, each home sale at themedian price pumps a total of $60,000 intothe economy throughout time.

According to a survey by the National Asso-ciation of Realtors, nearly eight out of 10Americans believe buying a home is a good fi-nancial decision. Two-thirds of survey respon-dents said they believe now is still a good timeto buy. A majority of renters also said thatowning a home is a priority in their future.

For more information, contact the Long-mont Association of Realtors at 303-772-5555.

Jonelle Tucker, [email protected] Canyon Blvd Ste 200 Boulder CO 80302

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Create an outdoor party planHave a backyard soiree planned this summer? Make sure

you’re prepared with this expert advice.• Get your yard clean and in order. Make sure the grass is

mowed, raked and free of debris, tools and toys.• Don’t overlook spaces inside the house where guests

may be, particularly the entryway, kitchen and bathrooms.• Decorate with cuttings from your yard.• Have plenty of seating for guests. If you’re short on

chairs, spread blankets on the grass.• Choose music that will be entertaining and pleasant, not

too loud or overwhelming.• Think of your guests when choosing the menu. When

extending invitations, you may want to ask whether anyonehas food allergies or dietary preferences.• Be open to the idea of a potluck party.• Ask a couple of guests whether they would arrive early

to help with pre-party preparations.• Prepare as many foods in advance as possible.• Have at least two large trash cans emptied and placed in

convenient locations.• Create a special atmosphere with lights. Consider adding

lanterns and strings of holiday lights.• If you are grilling, make sure the grill is clean and ready

to fire up with enough charcoal or gas.• Have a working meat thermometer on hand.• Keep aluminum foil and plenty of clean plates handy

grill-side. When the meat is ready, place it on the plates andcreate a foil tent to keep it hot.• Consider grilled vegetables as a great side to accompany

the main dish. Skewering is a ideal method.• Don’t let mosquitoes ruin your party. Include decorative

citronella candles with the rest of the lighting scheme.• Set out a couple of yard games to play.• Relax and allow your guests the same privilege.• Especially if alcohol has been served, make sure every-

one is able to get home safely.

– HGTV

Retirees should notcarry high-interest debtBy Michele Lernerbankrate.com

For some homeowners, opting for a mortgagerefinance requires a simple math equation to de-termine how much they can save with a lowerinterest rate. Homeowners within a decade of re-tirement, though, need to take a broader look attheir overall financial plan before determininghow a refinance fits into their retirement sce-nario.The first consideration is whether to retire

with debt.“Many people believe they should not have

any debt in retirement, but it may not be a prob-lem as long as the retirees have the capacity tomake the mortgage payments,” says Rich Arzaga,founder and CEO of Cornerstone Wealth Man-agement Inc., in San Ramon, Calif. “If their cashflow is healthy and their investments are growingenough to beat inflation, having a mortgage isnot really a risk.”Jeff Bogue, owner of Bogue Asset Management

LLC in Wells, Maine, says retirees carrying amortgage need to be certain of a sustainable cashflow.“I would not recommend retiring with debt

unless you have a long-term stream of steady in-come such as a pension or a large Social Securitybenefit,” Bogue says. “If you are relying solely onthe market to provide your retirement income,you may run into more trouble.”He advises eliminating debt before retiring.Arzaga says homeowners should methodically

evaluate scenarios for retiring with and withoutmortgage debt before choosing whether to refi-nance.“Homeowners should look at the possibility of

a mortgage with lower payments for 30 years andalso see if they can afford a 15-year loan to payoff the loan faster,” Arzaga says.A 15-year loan will have higher monthly pay-

ments than a 30-year loan, but the long-termcost is significantly lower.Arzaga says, “Refinancing makes sense

as long as the homeowners will stay in theproperty for at least 10 years, qualify for alower interest rate and will use the savings forretirement.”Steve Foldes, CEO of Foldes Financial Man-

agement Inc. in Miami, suggests evaluating refi-nancing based on the two biggest retirementchallenges: longevity and inflation.“Retirees need ... a well-balanced, diversified

portfolio, and if a refinance can generate addi-tional cash to invest, it can make sense,” Foldessays. But after retiring, homeowners “will needto make their mortgage payments from their in-vestments. Increasing the amount of your portfo-lio to make sure you will be able to generategrowth even after retirement is essential to avoidrunning out of money.”Foldes advocates cash-out refinancing in some

cases so homeowners can invest their cash for re-

tirement.

Arzaga says refinancing to get out of an ad-justable-rate mortgage, or ARM, makes sense forpre-retirees who benefit from a fixed payment.

“Even if you refinance into a 30-year loan, youcan always make accelerated payments on themortgage after you have paid down other high-interest debt and funded your retirement ac-count,” Arzaga says.

Bogue says many homeowners calculaterefinancing costs and monthly savings to deter-mine how quickly they can recoup theirexpenses.

“If they are refinancing from a mortgage onwhich they have 25 years left to pay into a new30-year loan, they will be making five extra yearsof mortgage payments,” Bogue says. “It makesmore sense to look at the current mortgage, thenew mortgage and the cost to refinance alongwith those back-end extra payments.”

For some homeowners, particularly those nearthe end of their mortgage, Bogue recommendspaying down the principal with extra paymentsrather than refinancing.

While some homeowners want to keep amortgage for the tax deduction on interest,Bogue points out that retirees usually are in alower tax bracket, reducing that deduction’svalue. Also, near a mortgage’s end, most of themonthly payment goes to principal rather thaninterest.

For some pre-retirees, paying off their mort-gage with their current loan or by refinancing in-to a shorter loan term means more than the num-bers. As Bogue puts it, “some people just sleepbetter at night if they know they will retire with-out any debt.”

“Even if you refinanceinto a 30-year loan,you can always makeaccelerated paymentson the mortgage afteryou have paid downother high-interestdebt and funded yourretirement account.”Rich Arzaga, founder and CEO ofCornerstone Wealth Management

Inc., in San Ramon, Calif.

1007 3rd AveLONGMONT

$430,000Old Town Longmont

architectural gem.Thisstone and brick with fish-

scale wood shingle styleDutch Colonial Revival house is restored with an eye to detailand generous amounts of light and space. 3 bedroom/2 bath.

934 Sumac StLONGMONT

$212,500Move in and enjoy this

large semi-custom brickranch with updated

kitchen and great curbappeal. Spacious family room with fireplace, sparkling woodfloors on most of the maim level, six panel doors throughout.

5 bedroom/3bath.

1571

664TomPrecella

[email protected]


By Sean ConwayTribune Media Services

The secret to good gardening is tim-ing. My advice to those who feel over-whelmed by the work that needs to bedone in their gardens is to start by mak-ing a list. The trick to keeping your gar-den looking good is to get a jump on themaintenance early in the season ratherthan trying to catch up later on. Here area few tips to help you get ahead ofthings this spring.1. Weed all your beds early. Weeds in

general can be divided into two groups:cool season weeds and warm seasonweeds. Cool season weeds are already infull swing.2. After beds are weeded either keep

the soil cultivated on a regular basis toprevent new seed from germinating (afew minutes of cultivating the soil eachweek will save hours of weed pulling lat-er on) or apply 2 to 3 inches of mulch assoon as the weeding is done.3. Cut a 3- to 4-inch edge into garden

beds surrounded by lawn. Providing asharp, deep edge will keep grass frominfiltrating into your beds and save youhours of weeding later in the season. Italso makes your gardens look neater.4. Apply fertilizer now to perennials

while plants are still emerging but notyet fully grown. Place the fertilizeraround the base of each plant where it isneeded. Applying it early makes the jobeasier and more efficient.5. Weed your vegetable garden early

in the season before turning the soilover. This will keep weed seed from be-ing dispersed into the soil. This is espe-cially helpful for cool season weeds thatset seed early.6. Apply aged manure or compost to

your vegetable garden before turning thesoil over. This makes it easier to see howmuch you have applied.7. When buying plants from the gar-

den center, bigger is not always better.Look for sturdy young plants that arenot pot bound. Avoid buying annualsthat already have flowers. They will takelonger to get established.9. In beds with stubborn weeds, put a

layer of newspaper down then mulchover the top. The newspaper will helpsmother the weeds, preventing themfrom growing up through the mulch.Throughout time the newspaper will rotaway.10. Repair dead spots in lawns early

by removing debris, scratching soil andapplying seed while temperatures arestill cool and there is adequate moisturein the ground. Grass seed will establishfaster before hot weather arrives.

Get to workon garden tasks

Make your deck anoutdoor living room

Article Resource Association

Nothing beats relaxing in the shade or entertaining agroup of guests on your own private deck. When you takethe time to plan your deck for the way you live, the resultcan be a versatile living space and a value-boosting additionto your home.Trent Boozer, publisher of Extreme How-To magazine,

notes his readers have made it clear that decks are one of thetop projects they love to design and build. The Internet isfull of deck plans and planning tools – and with the range ofdecking products and accessories on the market, every deckcan take on a personality of its own, he says.Personalization is what makes the deck an extension of

the home, says Rick Preble of Deckorators, the leading deckaccessory brand that embraces the concept of deck personal-ization.“The idea of an outdoor living room has really material-

ized as people have reattached to their existing homes,” Pre-ble says. A cost-effective way to add square footage and up-grade your lifestyle without moving is with a deck. With allthe deck products and accessories available today, homeown-ers can customize their outdoor rooms.”Deckorators has made the process of mixing and matching

different deck accessories and building materials easy with anew, easy-to-use online design program: the Deckorators’

Deck Visualizer. The online tool is free and provides home-owners a way to visually discover the different design op-tions they like best for personalizing a deck.The Deck Visualizer allows the user to set the virtual deck

environment to a lake or backyard view and then change thedeck accessories for limitless combinations. Users can selectthe color or grain of composite or wood decking, select thestyle of metal or even glass balusters, add baluster infill cen-terpieces, change railing colors, and add post caps, lightingoptions and even stone.“This deck design program is fun for homeowners to use

and is a great tool for deck planning,” Preble says. “We workwith hundreds of deck builders, and they appreciate havingthis when working with clients. It allows both consumersand deck builders to visualize different options and choosedeck products prior to constructing a deck.”The North American Deck and Railing Association web-

site (nadra.org) is another good place for consumers to startwhen gathering information for a deck build. The organiza-tion has a large gallery of photographs of decks that have re-ceived national awards for design or construction.Michael Beaudry, executive vice president of NADRA, says

consumers are definitely hungry for deck design ideas andinformation on new products. NADRA offers resources tohelp consumers with deck and rail design and deck safety.The organization’s website also provides access to more than1,750 different building products companies.Homeowners who want to build or who are renovating an

existing deck will find new trends for 2011. One materialmaking its move onto decks is stone.Deckorators cast stone Postcovers, which install over rail

posts, are one new product in high demand. The postcoversprovide the same look and feel as natural stone columns, butare designed to install over basic wood posts. Postcovers arehand-painted to look like cobblestone, fieldstone or stackedstone. The simulated product costs far less than real masonrywork and makes it possible for do-it-yourselfers or contrac-tors to add simulated stone columns to a deck.Experts agree that putting the time into planning your

deck up front and knowing what your product options are isthe best way to ensure you end up with a space your familywill embrace as a true outdoor living room.


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

• Borrower: Lori & Mark Vise,Lender: HSBC Bank USA National Asso-ciation, Amount: $223,236, Property:170 Lawley Dr, Erie, Filed: 05/13/11

• Borrower: Angela Thomas, Lender:

Citimortgage Inc, Amount: $190,250,Property: 11440 Deerfield Dr, Firestone,Filed: 05/12/11• Borrower: Kirk McCurdy & Juanita

Lucero, Lender: BAC Home Loans Ser-vicing LP, Amount: $174,596, Property:11469 Ebony St, Firestone, Filed:05/12/11

• Borrower: Dennis & Cheryl Yost,Lender: US Bank National Association,Amount: $305,303, Property: 5940 Ten-derfoot Ave, Firestone, Filed: 05/13/11• Borrower: Darrin & Marnie Dill,

Lender: Colorado Housing And Finance,Amount: $195,954, Property: 6860Quincy Ave, Firestone, Filed: 05/13/11

• Borrower: Jerry & Jena Andrews,Lender: US Bank National Association,Amount: $210,313, Property: 380 Club-house Dr, Fort Lupton, Filed: 05/13/11• Borrower: Greg Mocelin & Danika

Reuterskiold, Lender: Wells Fargo BankNA, Amount: $199,649, Property: 7150Orchard Ave, Frederick, Filed: 05/13/11

Allow

Smoking?

Lease

Required

#o f

Baths

#of

Bedr ooms

Deposit

PriceRange

Pets

Washer/Dryer

Facilities

Washer/Dryer

Hook-ups

Other

Amenities

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

Hover Manor Senior ApartmentResidence

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

$749-$899 $250 1, 2 1,1¾ Yes Yes Yes

In eachapartment

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

www.utecreekapts.com

Starting at$825 $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 toshopping.

The Shores at McIntosh Lake2450 Airport Rd. • 303-774-8000

$729-$1200$100$200$300

1,2,& 3 1,2Yes

Short TermAvailable

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& rentalavailable

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

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

$610-$990 Yes 1, 2, 3 1, 2 Yes Yes PetsNeg. Yes

In historic Longmont, large trees, quiet neighborhoodon-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 TermAvailable

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$1240-1625 $1240-1625 1, 2 1, 2 Yes Some Yes

$50+ mo.

Full sizein eachcondo

W/Dprovidedin eachCondo

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

amenities package, quiet 55+ community. Call forincentives! Parking garage & storage units

Complex

Name

Address

Phone

Longmont,CO

1566894


Real Estateplace yoUr ad: 303.466.3636 BoUlder/Broomfield/longmont or 970.635.3650 loveland or frontrangeclassifieds.com

4750 BusinessOpportunities

Executive Opportunity toCreate Wealth. Visit

www.CoachBartko.com303-539-0185

5000 Homesfor Sale

Brick Ranch Home5 Bedrooms and 3 Baths.

Remodeled kitchen and bathsGreat NW location

$384,000303-589-4509

1193 Twin Peaks CircleLongmont

$268K 3 Bed/3 Bath w/Mother-in-Law SuiteOPEN HOUSESundays 2-4/5232 Mt.Arapahoe Cr, Frederick,CO Call 720-652-0934

Exquisite CrestoneRetreat!

2-story Deltec home,2.08 acres borderinggreenbelt and creek.Full views of SanLuis Valley andSangre de Cristo

Mountains.Bathed in sun

light/custom woodwork, large deck.Peaceful, finished1,400 sf home forweekends or full-time. $339,000.Contact Darlene719-256-4198.

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

South Longmont

Park Your RV in thebackyard at this niceTri-level with 3 bed-rooms and 3 bath-rooms. 2 car garage,Storage shed, call fordetails. $206,000

Work where you live!40x60 shop insulated &heated + 325sf office +3 B R h o u s e o n l y$250,000 Poss OC719-433-5095

5006 RuralReal Estate

10 acres, SW Berthoud, 3bdrm ranch w/ dbl gar, lgshop & barn, wtr rights,zoned agri, $437K.970-532-2768

5007 Mobile HomeFor Sale

3 BDRM, 2 BA double wide,$45K, end lot in family park.

303-772-3240

BrandNew

Home!!$69,900

Beautiful 3 bed2 bath lot rent

special!Swimming poolClubhousePlaygroundNew fitness room

Financing availablePet Friendly

Sun Homes atEagle Crest

1-888-649-56164eaglecrest.com

*Expires 6/30/11

BUYING & SELLINGAll types of mobile

homes! (970)962-9860

I WILL MOVE YOURHOME FOR FREE!

LOT RENTSTARTING@ $199250+ communities to

choose from.Offer expires 6/25/2011

970-377-0990

NEW MOBILE HOMESAROUND $799 MONTH

Payment incl. lot rent Usedsingles/doubles starting

@$595Great locations!Quick Easy Credit970-420-8488

5015 Lots& Tracts

2 ACRE Building Site inRainbow Lake Estates,Berthoud. HUGE pricereduction! $79,000

Steve Conder303-514-3706

6000 Homesfor Rent

1217 Lincoln St. Immacu-late 3BR, 2BA, spaciousranch home, beautifulhw flrs & tile upgradedappls in kit., w/d hk-up,frplc in fam rm, 3 car,3rd bay could be officew/ skylight sorry NP$1500/mo 303-530-7149

124 Anniversary Ln,Lgmt. 3 bdrm, 2 ba

ranch, 2100 SF, hdwdflrs, fin bsmt, 1 cargar + wkshop, privfncd yd, sm pets neg.N/S, Avail now, $1175Jan 303-775-6668

2 BDRM, 1 BA, beautifulold Town Longmont.

Gar, fncd yd, w/d, n/s/p$895. 303-682-5985

6000 Homesfor Rent

1 BDRM IN OLD TOWNRoom for garden,extra storage/shop.Avail 7/1. Pet? $725.

(303)678-7384

1 -RENT TO OWN!3 bdrm, 2 ba, A/C,W/D, $1395/mo.

866-810-1446 x1032(24/hr free rec msg)

2, 3, 4 Bedroom Homes1624 19th Ave.2245 Whistler Dr.154 Grant St.1309 Hilltop Dr.411 VerdantCall PMP

303-776-RENT

23 TELLURIDE PL5 bdrm, 2 ba, frpl, 2car, large fncd yd.$1350. Pets nego.Avail June 1st.Pennant Inv.(303)447-8988

2640 W MTN VIEW.1590 sq ft brick

ranch, backs to park,3 bdrm, 1.5 ba, hdwdflrs, fncd bk yd, attgar, smpets neg.N/S $1200/mo.(303)775-6668.

3 BDRM, 2 ba, 1230 sqft, 2car, 10x20 deck w/ awning,8x8 shed, A/C. Mtn view11153 Longview Blvd,

$1050 Lgmt (303)776-9147(303)746-0948

3 bdrm, 2 ba, 2 car gar,N/S, pets? No Sec 8In Firestone $1100 +dep. 303-833-3200

3 bdrm, $965, charm-ing old town remodel,huge fncd yd, DW, AC,WD hkups, pets OK,846 Collyer #A, Lgmt

303-319-1341

3BR, 1.75BA, 2 carga r , AC , Exce l l en tcond. 2137 Sherri Mar1 yr lease $1100/mo+ dep. 303-319-5794

6000 Homesfor Rent

3BR, 1BA, Gar. fncd yard1100 frontier dr. $990 +$990 dep 303-775-1495

3BR, 2.5BA, SS appli-ances, 3 car tandemgar, main floor master,gas fp, available 8/1.2231 Creekside Dr,$1800. 303-776-6664

3BR, 2BA Air Condi-tioned, Fenced, DogRun, $1150/mo+deposit303-772-0719

3BR, 2BA Ranch, woodflrs, AC, gardener, Avail7/1, $1350 + dep, N/P/S303-485-7475

4128 Frederick Circle5BR, 4BA 3840sq ft

3 Car Garage, No Pets$2600/monthRMG Realty303-772-4466

4BR, 2.5BA - CarpetedLR & DR, fam rm & eat-inkitch w/ wood flrs,gas fp, A/C, mastersuite w/ 5piece bath &walk-in closet, unfin-ished bsmt, backs toUte Creek Golf Course,$1695/mo. 303-981-7031 or303-567-4797

5 bdrm, 2 ba, large cor-ner lot, fncd bkyd, near

schools, A/C, frpl,N Lvld. $1350/mo Call970-214-3522 for info.

Homes for Rentw/ Option to Buy

4BR, 2BA Brick Bi-Levelclose to Clark Centen-nial Park. Large kitch-en, sprinkler system &fenced yard. $1495OR $1195 w/ good

references. Avail. 6/1032 Nome Court

4BR, 2BA Chalet StyleHouse, 2 car garage,schools, fenced yard,sprinklers, $1495 OR$1195 w/ good refer-ences. Avail. 6/151334 Nineteenth Avenue

Call 303-776-7528

6000 Homesfor Rent

SW Lgmt, 3 bdrm, 2.5 ba,fpl, gar, sm fncd yd,N/P, N/S. 303-263-3410

6001 Apartmentsfor Rent

1, 2 & 3 BDRMApartment Homes

The ShoresApartments,

Hwy 66 & Airport Rd(303)774-8000

1 & 2 BDRM Apt HomesFox Ridge Apts PremierGated Community. Pets

OK! For Info & Specials Call(303)774-9944

2bdrm, 2ba, ex lg kit,gas FP LV rm, all utlinc, int acc, cable, W/D,720-327-6336

2 BDRM APTSStarting at $675/monthCall PMP, 303-776-RENT

2 bed,1 ba. ,in 8-plex,laundry, offstreet parking,$620/mo, 970-310-6321917 Sunset 2BR, 1BA,2nd flr, inclds heat, wa-ter, trash. New carpet,N/P, off street parking$675/mo RMG Realty

303-772-4466917 SUNSET,

2nd floor, 2 Bdrm, 1bath, includes heat,wtr & trash. New

carpet. $675 No pets.RMG Realty,303-772-4466

EASTGLEN APTS630 Lashley, Longmont

(303)682-2943

1, 2 & 3 BEDROOMS:laundry.

Wtr, trash, sewer pd

LSVL Very Nice TopFloor 2 BR, 2 BA Condoin Copper Crest. QuietArea, Nice Amenities &P o o l . $ 1 2 0 0 + d e p .303-666-5546; 720-938-1559

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

6002 Townhomes/Condos for Rent

Cutest TH! End unit,3 bdrm, 2.5 ba, partfin bsmt, walk to

supermrkt & rec ctr.$1195. 303-776-6715

Large 2 BR, 1 BA in Niwot.DW, heat, hot water in-cluded $850+ deposit303-652-2210

NICE! 2 bdrm, 1 ba,remodeled, new ssappls, new carpet, lgliv rm. N Lgmt. Nosmoke. Close toamenities. $700 +utils. 303-807-6822

6005 Apts. forRent Furnished

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

6005 Apts. forRent Furnished

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

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

6006 Twnhms./Condosfor Rent Furnished

Mead Area-55+,2 bdrm, 2 ba, centralair, carport. $500 dep,

$950/mo + utils.303-319-4406/438-5707

6007 Duplexes

2 bdrm apt, just paint-ed, in quiet, no-smkgbldg. Bkgrd chk req.$675/mo 303-682-9273

3BR, 2.5BA, 1 car ga-rage, fenced yard, petsnego, $1125 + dep,c l o s e t o L a f a y e t t eschools 303-548-8434

Duplex/Condo2-3 Bedroom

1419 Red Mountain1703 Whitehall Dr805 Summerhawk1000 Harmon Place

Call PMP,303-776-RENT

6009 Housemates/Roommates

1 BDRM $450/mo utilinc. Share quiethouse w/3,

new paint & carpet,WD, 303-719-2197.Lyons Mountain Home

Room for rent$450/mo+ utils775-287-9993

MALE looking for sameto share house. Lge rm.

Don 720-203-6969

Mature lady to sharehome w/ same. Yourown bdrm & ba.

$450/mo + 1/2 utils.N/S 303-776-1081

Rent 750 sq ft of love-ly, large Louisvillehome. Private bed-room, living room &bath. Garage, AC, WD,pool. NP/NS. Must beclean, quiet, respon-sible. Credit/criminalcheck $690 + utilities303-817-3389

* Room $450 w/ utils *Longmont, semi-furn,W/D. Must have job,not 420 friendly.Call 720-340-4126

6010 Roomsfor Rent

Room in clean 2 bd.home, W/D, phone-/ cab le / i n t . , s to rageyard, $575 inc. al lutil, 303-702-0643.Sub t e r r anean 3Roomspace + private bath,shared laundry/kitch-en $600/month, Sheryl720-253-6097

6014 Wantedto Rent

1BR Apt by retiredhandyman w/ b ldgmngmt exp. Willing totrade off. N/S/P Bkgrdcheck welcomed.303-828-3145 Pete

6014 Wantedto Rent

Responsible older maleneeds rural house orapt to rent w/ space for

2 mini donkeys.303-772-8425

Wanted to RentCarriage house or

1 bdrm apt for collegecouple with two cats.Needs affordable rent.

303-772-7715.

6016 Office Spacefor Lease

255 WEAVER PARKCLASS “A” secondfloor office space for

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

1 yr Free Rent!

Don Rulle, CCIM303-772-2222

1567061

1400 SF. professional of-fice suites, 8 offices, waitingroom, reception area, stor-age, all ground floor, plentyof parking. (303)956-1141

500 to 2500 SF, can di-vide. On site prkg, Goodexposure. 303-523-3369

PROFESSIONAL OfficesN. Longmont. 150 to

825 SF Single & 3 officesuite. All ground level,2 entr, great prkg.303-956-1141

DRIVE YOURWHEELS

List your car andget ready to roll.

$10, 3 lines, 30 daysPlace your ad.

Call303-466-3636 or970-635-3650

Or visitFrontRangeClassifieds.com

6017 Indust./Comm’lfor Lease

2500 sq ft office,lobby, warehouse.Avail now, lease

nego, 720-684-4200ask for Terry

912 Second StreetUnits A, B Berthoud6120 sq ft $3550/mo.or 4080 sq ft $2375/mo.or 2040 sq ft $1190/mo.

Plus Utilities3 Phase Electric

2367 W. 8th, faces WilsonLoveland

1200 sq ft $950/moPlus Utilities

Light Industrial,Office or Retail

Contact Shelley970-430-4235

WAREHOUSE / SHOPI-25 North, Exit 245,50’ x 60’, 16’ ceiling, 2OH doors, 3-phaseelect. Rent nego.303-546-6881

6001 Apartmentsfor Rent 6001 Apartments

for Rent

APARTMENTS

• FREE Washer/Dryer& Carport

• Wood-burning fireplace• Large balconies/patios• Approved pets accepted• MTM leases available• Within walkingdistance of shopping,restaurants & RTD

• On line leasing available• One bdr, 1 bath starting at $749

2400 17th Avenue, Longmont, Colorado 80503

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


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

Longmont• Eric Scamehorn from Kyle Bygott,

2141 Tulip St, Longmont, $187,500,home• Randi Gipson from Maddren Daw-

son, 801 E 4th Ave, Longmont,$156,500, home• Diane & Timothy Mester from Car-

ol England, 216 Grant St, Longmont,$257,000, home• Guenlen Simons from Fannie Mae,

547 Baker St, Longmont, $102,200,home• Katherine Fuller from Fannie Mae,

24 Empson Dr, Longmont, $128,000,home• Paul Parker from Federal Home

Loan Mortgage Corp, 1114 Neon ForestCir Unit 4, Longmont, $193,500, condo• Andrew & Theresa MacFarland

from Marla Fields, 252 Lincoln St, Long-mont, $280,000, home• Alejandro & Janet Ruiz from Gor-

don Bruce Maxwell Living Trust, 2407Skysail Ct, Longmont, $265,000, home• Elizabeth Lombardo from Jack

Hamill, 1030 Sumac St, Longmont,$191,500, home• Snel Lamas from Zachariah Hicks,

1801 Donovan Dr, Longmont, $169,000,home• Dirty LLC from Vicki Hopp, 2026

Yeager Dr, Longmont, $210,000, home• Habitat Vrain from Gregg

Kalbfleisch, 1445 Baker St, Longmont,$200,000, home• James Fox from Alejandro Maldona-

do, 500 Lashley St Unit 25, Longmont,$120,000, condo• Constance Holland from Thomas

Marchitto, 1309 8th Ave, Longmont,$223,000, home• Georgene Andeway from Alan Mid-

dendorf, 1602 Geneva Cir, Longmont,$151,500, home• Carolee & Timothy Preston from

Nationstar Mortgage LLC, 1142 VeniceSt, Longmont, $140,000, home• Amy Saucier from US Bank National

Association Trust, 142 Stone CanyonRd, Longmont, $251,300, home• Andrew & Elizabeth Cuffel from

Julio Zuniga, 1341 S Grant St, Long-mont, $145,500, home• Gregory & Linda Riddoch from

Robert Young, 3656 Stagecoach Rd,Longmont, $98,000, home• Patricia Watson from Lawrence

Bearly, 2426 Santa Fe Dr Unit A, Long-mont, $242,500, condo• Paula Peacock from Ruth Moore,

2702 Denver Ave, Longmont, $145,000,home• Susan Palmquist from Jeff Adams,

1608 Redfern Pl, Longmont, $195,000,home• Jon Ackerman from Boulder Creek

Shadowgrass LLC, 1403 Bluemoon Dr,Longmont, $257,500, home• Cara & Cara Owen from CAS In-

vestments LLC, 468 Greenwood Ln,Longmont, $360,000, home• Sundararajan Sankaranarayana from

Steven Castaneda, 4201 Ravenna Pl,Longmont, $315,000, home• Adam Keiswetter from Fannie Mae,

1924 Lincoln St, Longmont, $147,500,home• Mike & Theresa Seader from Fannie

Mae, 2010 Diamond Dr, Longmont,$425,000, home• Todd Schroeder from Kip

Farnsworth, 931 Granite Ct, Longmont,$186,000, home• Luidmilla Hanks from John Fors-

gren, 2522 Wedgewood Ave, Longmont,$193,500, home• Michael & Michele Wooten from

Jeffrey Kirkpatrick, 2320 Steppe Dr,Longmont, $280,000, home• Jessica Henley from Geralyn Kjos-

ness, 1824 Logan St, Longmont,$174,500, home• Jonathan & Robin Haywood from

Lennar Colorado LLC, 1732 Trevor Ct,Longmont, $252,000, home• Tim & Linda Trumble from Gregory

Marshall, 4424 Nicklaus Ct, Longmont,$1,188,000, home• Prabhu & Mira Khatri from Christo-

pher Martin, 1747 Sumac St, Longmont,$203,000, home• Gail Bruntjen from Mediterranean

Avenue Properties, 235 Bowen St, Long-mont, $139,200, home• BC LLC from Six Point Capital LLC,

1893 Caleta Trl, Longmont, $180,000,home

Berthoud• Mark Moore from Aspen Leaf Con-

struction LLC, 1408 Mount Meeker Ave,Berthoud, $174,500, home

• Charles Saunderswhite from MokaInvestments LLC, 1029 N 2nd St,Berthoud, $175,000, home• John Hager from James Golden,

2090 Luvesta Ct, Berthoud, $757,500,home• Cody & Lisa Farmer from HSBC

Bank USA, 2017 S US Highway 287,Berthoud, $195,000, home• Robert & Denise Blegen from Den-

nis Robbins Carpentry Inc, 1729 WalesDr, Berthoud, $366,000, home

Dacono• Diane & Glenn Wilson from Daniel

West, 450 Short Dr, Dacono, $187,000,home

Erie• Jerald & Elizabeth Boseman from

Siddhartha Datta, 2821 Prince Cir, Erie,$408,800, home• Edward & Heather Hocki from Tim

Marco, 1403 Banner Cir, Erie, $269,000,home• Tonya Mueller from Tanya Pierson,

3159 Stevens Cir N, Erie, $480,000,home• Rajeev Sobhitha from Nathan Bogg,

2452 Ivy Way, Erie, $286,000, home• Dwight McNaughton from Taylor

Morrison Colo Inc, 1168 Mircos St, Erie,$290,000, home• Diane Sullivan from VRC Devl LLC,

3035 Blue Sky Cir Unit 10-105, Erie,$110,000, condo• Greg & Linda Neighbors from Bran-

don Wilson, 1496 Hickory Dr, Erie,$283,500, home• Donald Waller from Cartus Corp,

1365 Avgare Way, Erie, $249,000, home• Steven & Racole Nguyen from

David Kenny, 2043 Tundra Cir, Erie,$273,000, home• Millicent & H Montgomery from

Charles Miller, 173 Garfield Ln, Erie,$366,500, home• Lauren & Christophe Martin from

Ben Ringle, 1461 Hickory Ct, Erie,$263,000, home

Fort Lupton• Michael & Lauren Claypool from

Robert Anderson, 1008 Pacific Way, FortLupton, $105,000, home• Zachary Bruns from Bell Bros LLC,

1006 Pacific Way, Fort Lupton,$105,500, home• Jorge & Aurora Longoria from Troy

Hernandez, 640 S Grand Ave, Fort Lup-ton, $165,000, home• Michael Mull from Guillermo

Banuelos, 903 Greenwood Ct, Fort Lup-ton, $90,000, home

Firestone• Ronald & Patrici Rogers from Rich-

mond American Homes Colo Inc, 4714Scenic Ave, Firestone, $260,000, home• Andrew & Karis Gathje from Wells

Fargo Bank, 10367 Cherryvale St, Fire-stone, $196,500, home

Frederick• Patrick Evanoski from KBD Homes

Inc, 6516 Steeple Rock Dr, Frederick,$339,000, home• Richard & Angela Bates from KBD

Homes Inc, 6309 Spring Gulch St, Fred-erick, $255,000, home• Nathan & Kellie Dutcher from

Hunter Homes Corp, 5508 Mustang Dr,Frederick, $390,000, home• David & Zulema Castillo from

Wayne Delaronde, 5112 Mt BuchananAve, Frederick, $200,300, home

Lyons• Ed & Sharon Cole from Steve

Fankhouser, 2186 Blue Mountain Trl,Lyons, $389,000, home• Marcus Richardson from Fannie

Mae, 113 Choctaw Rd, Lyons, $175,100,home

Niwot• Scott Palo from Aurora Loan Ser-

vices LLC, 8542 Waterford Way, Niwot,$630,000, home• Hugh &Wendy Crawford from

Todd Elmers, 7614 Crestview Dr, Niwot,$750,000, home• William Crisco from Roger Hume,

6900 Peppertree Dr, Niwot, $436,000,home• Merion & Paul Gibb from Margaret

Wilson, 8091 Meadowdale Sq, Niwot,$292,000, home

Foreclosures – notice of election anddemand• Borrower: Mary Alverson, Lender:

Deutsche Bank National Trust Company,Amount: $439,510, Property: 6346 Mar-ron Dr, Berthoud, Filed: 05/18/11• Borrower: JMPS Corp LLC, Lender:

BAC Home Loans Servicing LP, Amount:$86,638, Property: 1400 Stockton Dr,Erie, Filed: 05/12/11

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