Home & Real Estate Weekly

HOME & RealEstateWeekly

December 18, 2010

Longmont Times-Call www.HomeandRealEstateWeekly.com

Green up yourholiday season

HolidayBouquets

Mortgage interestdeduction a big deal

for homeowners

Flower displaysbring natural cheer

2 Times-Call / Home & Real Estate Weekly December 18, 2010

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 CoverSimple touches, such as fresh flower displays around the home, bring natural cheer to guests. See story onpage 3. (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.

Holiday

By Joe Lamp’lScripps Howard News Service

For those of us trying to live a more sus-tainable lifestyle, this time of year poses yetanother green dilemma. Which is moreeco-friendly – a real or artificial Christmastree? One of the most common reasons forbuying an artificial tree is longevity. Al-though artificial trees do last for years,eventually they are discarded and remain ina landfill forevermore. Fake trees are non-biodegradable; they never break down.Part of what makes artificial trees so

sturdy are the components used in theirconstruction. PVC plastics are made frompetroleum byproducts, heavy metals areused to stabilize the plastics and the metalbranches are mined from the earth. In Cali-fornia, warning labels are even required onartificial trees to alert users of the potentialrisk of hazardous materials, including lead.The idea of buying local and supporting

area businesses doesn’t apply to artificialtrees. Most are made in China, shippedacross the Pacific and then travel manymore miles to reach their final destination.Now, having pretty much bashed the ar-

gument in favor of artificial trees as betterfor the environment, I certainly respect thatthere are circumstances in which they aremore appropriate for certain users. More-over, if you already have one, discarding itprematurely is not environmentally respon-sible, either. However, when the opportuni-ty presents itself, think twice before optingfor artificial Christmas trees as the greeneroption, because they’re not.

Contrary to a common misconception,live trees are a better environmental choice.While growing, they’re absorbing carbondioxide and releasing oxygen, stabilizingsoil and providing habitats for wildlife.As trees are harvested, new ones are

planted to take their place. And unlike arti-ficial trees, real trees can often be pur-chased from local farms. After they haveserved their purpose, they can be utilizedas a mini-habitat for wildlife or hauled offand shredded for compost.But the best option is a live Christmas

tree you can plant in your yard. Through-out the last several years, the popularity ofliving Christmas trees has been on the rise.But many of these trees don’t survive theholiday season. Knowing how to choose,plant and care for a live Christmas tree willmake for a happier holiday and a valuableaddition to your landscape.When purchasing your tree, select a vari-

ety known to grow well in your area. Con-sider the mature height and width of thetree, and know where you will plant it inyour landscape. Particularly in areas wherethe ground freezes, consider preparing theplanting hole in advance of freezing weath-er.Once home, your tree needs to stay out-

side, in a protected area, until a few daysbefore Christmas. Water the tree immedi-ately and make sure the soil is kept moist,but not wet. It also needs to be shelteredfrom high winds and full sun. The objec-tive is to acclimate your tree to warmertemperatures over a period of three to fourdays.

Avoid the temptation to bring your treeindoors too early. In fact, the less time in-doors, the better. One or two days beforeChristmas is best, but no more than aweek.

Move your tree back outdoors as soon aspossible after Christmas. However, don’timmediately plant it. The tree will need toreadjust to outdoor conditions in a protect-ed area for several days.

Plant this tree as you would any other,following sound planting practices. Thehole should be at least twice as wide as theroot ball, but no deeper – even slightlyshallower is better. Contrary to conven-tional information, it is not advisable toamend your planting hole with organicmatter. Rather, backfill with the original,

well-pulverized soil.Finally, be sure to water and mulch your

tree to retain moisture. Continue to moni-tor soil moisture. Winter conditions can bedry, and your plants and trees need waternow as well, especially newly planted ones.So if you’ve made the choice to go with a

live tree instead of an artificial one, theproper care and planning, before and afterthe holidays, will help ensure that your treesurvives for years to come.

Joe Lamp’l, host of “Growing a Greener World” onPBS, is a Master Gardener and author. For more in-formation, visit www.joegardener.com.

Make your Christmasa sustainable event

Learn how to choose and care for a liveChristmas tree. It will make your holidayshappier and eventually will add to yourlandscape. (SHNS/Courtesy Joe Lamp’l)

Green Up

December 18, 2010 Times-Call / Home & Real Estate Weekly 3

If the guests you’re expecting bring morestress than happiness, consider using yourdecor to keep them in line. Through thehelp of modern psychology and strategicarrangements, your gathering can be a civi-lized affair. But it’s not the seat-ing charts or furniture that willsave you; it’s your bouquets.Two studies, one conducted

by Nancy Etcoff, Ph.D., of Mas-sachusetts General Hospital andHarvard Medical School, theother by Dr. Jeannette Havi-land-Jones, professor of psy-chology at Rutgers, show thatthere really is power in flowers.Looking at the links betweenhumans and blossoms, bothstudies suggest that human be-havior can be improved by thepresence of flowers. Here are a few of theirfindings to help you keep the holidayscheerful.Place flowers in rooms where they’ll

have the most impact: kitchens, diningrooms and living rooms. Their presence isenough to soothe the savage beast, or atleast make them tolerable for an hour ortwo. By triggering the feeling of happiness,flowers increase connection between peo-ple, bringing them together in a positivemanner.In both studies, people felt less negative

after being around flowers, and Etcoff’sstudy found that flowers improve compas-sion and kindness for others, somethingthat should come in handy with judgmen-tal visitors. Seat the pessimists near a dis-play of brightly colored posies; perhapsthey’ll overlook their feelings on yourcooking this year.Have someone who loves to argue in the

group? Hand them a flower whenever theywarm up to a topic; it will bring a smileand better behavior. According to Havi-land-Jones, people entering an elevator – aplace of social awkwardness – acted in amore socially positive way when handed aflower, as opposed to another gift or noth-ing at all.At the very least, handing them flowers

one by one throughout the event will keeptheir mind on your mental stability and offof debates.Want to show off your antique end table

without running the risk of careless water

rings left by the drinks of distractedguests? Let a floral arrangement of hollyprovide protection for the table. The deepgreen, glossy leaves bedecked in berrieslook glorious in a winter bouquet, but a

few nips from their razor-sharpspines will have your guestslooking elsewhere to set theirglasses (this advice is not partof the studies. It’s a trick I’vepicked up throughout theyears).For best effect, spread the

holly along the lower and mid-dle section of the display, keep-ing the size of the arrangementwide enough to discouragedrinks but show off the table.If you’d like to tamp down

your guests’ baser instincts,whip up a few floral arrangements. Oasisblocks, found at local hobby stores, holdwater and fresh flowers or branches whenyou’re not using a vase. Soak the oasis inwater for a half hour before use, then placein a shallow bowl or tray.Choose a variety of material from your

garden and the local florists’ shop. If usingfresh evergreens, snip the ends before in-serting them into the oasis, cut stems atdiffering lengths to keep the arrangementinteresting. Strip off leaves or needles fromany part of the stem that will be insertedinto the oasis.When inserting anything into the oasis,

take care to push the stem only once; avoidpulling it back out to reseat it. This causesan air pocket between the stem end and thefoam, and the plant won’t get water fromthe oasis.Begin at the bottom of the display, layer-

ing greenery in a circle as a foundation forthe design. Work around the arrangementin an upward circle to place material intothe foam. If arranging for the center of atable, keep the design low to avoid ob-structions to conversations with those onthe other side of the table. Mist your ar-rangement daily.

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.

Flowers keep theholidays cheerful

Carol O’MearaColorado State

University Extension

For more real estate information, visitwww.HomeandRealEstateWeekly.com

Spelter, bronze lamps offers little valueBy Helaine Fendelman and JoeRossonScripps Howard News Service

Dear Helaine and Joe: I am enclos-ing photographs of two lamps, whichI purchased about 10 years ago at anestate sale. They are both signed“L&F Moreau” and have the originalshades. They are 39 inches tall, in-cluding the shades. The lamp withthe boy has slight damage at thebase, and on the other, the man andthe woman have damage on theirfaces, arms and legs. I would like toknow their value. Thank you. – A.E.B.

Dear A.E.B.: There is more than mus-tard coming out of Dijon, France. Thereis also the Moreau family of artists, andwe have actually seen charts listingwho’s who and the various relationshipsin this artistic clan.The particular Moreau family mem-

bers who concern us today are LouisAuguste Moreau (1855-1919) and Hip-polyte Francois Moreau (1857-1930).They are perhaps best-known for theirornate clocks and mantel garniturescased in either bronze or spelter.Both Moreau brothers in this partner-

ship were artists who sculpted and pro-duced bronze statuary, and their originalbronze pieces can bring considerableamounts of money. But they also set upa studio to make spelter copies of theirworks in quantity, and these are far lesshighly regarded by collectors.Spelter is sometimes synonymous

with the element zinc, but in antique orvintage statuary, it is usually an alloy ofzinc that is sometimes called “whitemetal” or “pot metal.” Often, spelter isgiven a thin coating of bronze to make it

look like the more expensive alloy ofcopper, but telling the difference be-tween bronze-coated spelter and solidbronze is not difficult.

The metal used to make these lampbases is definitely spelter, which hasbeen painted off-white with gilded de-tails such as clothing. From the pho-tographs, we feel that the damage towhich A.E.B. refers is damage to thecream-colored paint.

For the most part, we see L&F More-au lamps of this type (cream-coloredpaint and gilded clothing) with somepaint loss retailing in the $500 to $600range for the pair.

Helaine Fendelman and Joe Rosson are theauthors of “Price It Yourself” (HarperResource,$19.95). Contact them at Treasures in YourAttic, P.O. Box 18350, Knoxville, TN 37928.

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Recently, this column discussed how theNational Association of Realtors does morethan sell real estate. Preserving homeowner-ship, and homeowner value is atthe top of the list right now.Ron Phipps, 2011 president of

the National Association of Real-tors, shared on Dec. 7 that if themortgage interest deduction waslost, it would cause the averagehome price to drop by 15 percent,which he claimed would be thewrong direction for this countryand unfair.At present, more than 91 percent

of the people who benefit from theMID make less than $200,000 ayear. Secondly, it can only be usedon mortgages up to $1 million, and hence it’snot so much for the rich as for entry and mid-dle income level tax payers. If MID were to goaway, it would not only affect the 47 millionpeople with mortgages, but also 75 millionhomeowners. This would affect Americansacross the board. Phipps went on to say thatNAR is absolutely committed to this fight.Years ago, Thomas Jefferson in the Declara-

tion of Independence, penned that we were allcreated equal, and that each of us had rights tolife, liberty and the pursuit of happiness. Thisconcept was first modeled in England as life,

liberty and property.Nothing will give a person more resolve

than to defend all three. “When the govern-ment looks to try to change therules on MID after being part ofthe tax code for over 97 years, itwould be like trying to change allthe rules to baseball: you don’t doit. From the first breath of our re-public, The notion of property andhomeownership has always been acornerstone,” Phipps says.MID would obviously have a

more serious consequence. Yes, Re-altors across the country are call-ing all their representatives incongress and every citizen has thesame voice. One must just decide if

saving the MID is important enough to make aphone call to their representative.The government is trying to step away from

using the on/off switch of stimulus packages.However, taxes, interest rates, bond purchas-ing (pouring money into the economy) andjob creation will still play the role it always hasin moving sales and values of homes.When one sees Longmont down 21.5 per-

cent in houses sold in the month of November,compared to November last year, and Fire-stone, Frederick and Dacono down 44.1 per-cent, they might conclude at face value that

the sky is still falling. But without a referenceto the on/off switches thrown by stimulusplans as in the one that ended last October,and the other one that ended April 30 to closeby June 30, one really is not getting the fullyear picture. The year ahead will bear similarstories as we find wild swings in month-to-month comparisons. For example, though thenumber of single family home sales in Novem-ber in Longmont were down 21.5 percent, onthe year to date basis, we are only down 8.5percent and will end the year down about 10percent in units, but only down about 3.5 per-cent in dollars transacted. That is good newsfor the median value of Longmont home sales.

NAR economist Dr. Lawrence Yun sees abrighter future, and by the third quarter of2011, a steady climb out of the housing dol-drums as inventories start getting used upfrom the pent-up demand of new householdsbeing formed, and not nearly enough newhomes presently being built to meet the de-mand.

Supply and demand will drive the market.We are in recovery, and home demand andjobs will drive us back.

Dave Wagner is the president of the Longmont Associa-tion of Realtors. Contact him by calling 303-684-6356,e-mailing [email protected] or visit the asso-ciation’s Web site at www.longmontrealtors.com.

Your

Source

to all

things

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eekly.com

Mortgage interest deduction is a big deal

Dave WagnerLongmont Association

of Realtors

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Mortgage rates are low, but they fluctuateQ: I am struggling to find

some of the rates you have dis-cussed for refinance. Do youmind passing me a couple ofsites?A: All of the major

lenders are now offer-ing similarly greatrates, although theyjumped up quite re-cently. But to get thebest information,you’ll need to call sev-eral different types oflenders in your area, aswell as searching on-line.Call your real estate

agent and ask for somereferrals to great mortgage brokers.Talk to at least four or five differenttypes of lenders, including a creditunion (if you belong to one or canjoin one), a big box lender and asmall local bank, and then compareloans, costs, fees and interest rates.If you’re searching the Internet

for rates on home mortgages, youcan take a look at the big boxlender sites, along with aggregatorsor mortgage portals likeBankRate.com or Zillow.com orQuickenLoans.com. These sitescan be a guide for you, but remem-ber the rates on these sites mightbe stale by the time you call a locallender, mortgage broker or creditunion, or you may not qualify forthe best loan programs.Finally, watch out for lenders

that advertise mortgage interestrates that seem way below ratesquoted elsewhere; it’s possible that

their rates are that low because youpay tons of other fees to get theloan. In effect, you get the lowerrate, but you’re paying up front forthe privilege of getting that low

rate. Make sure youshop, compare and be-come knowledgeableabout the mortgage pro-cess.Homeowners interest-

ed in refinancing needto understand that inter-est rates on home loanscan fluctuate from dayto day, and even severaltimes in a day. On a re-cent Wednesday, thebond market experi-

enced a massive selloff and mort-gage interest rates jumped morethan a quarter of a percent in a sin-gle day.In general, if you have a great

credit history and a high creditscore, you’ll get a lower interestrate than if your credit history andcredit score are worse. When Iquote an interest rate, it’s generallythe interest rate for those with thebest credit history, sufficient cashand income, and a property with atleast 20 percent in equity.

Q: My friend just passed awayand left his wife in a difficult fi-nancial situation. Her name isnot on the house mortgage andnone of the cars. My question is,will she be responsible for themortgage payments? She is up-side down and will lose thehouse.

A: My condolences on your loss.Is your friend’s wife named on themortgage note even if she is not onthe title to the property? Did yourfriend leave a will? Is his widowprepared to move? She probablyneeds to speak with an estate attor-ney soon in order to figure outwhat’s going on.If the widow is not on the mort-

gage note, then she should not beheld responsible for the mortgagepayments. She can move out of thehouse and let it go back to thebank. However, if she decides towalk away from the house andthere are other assets in yourfriend’s estate, then the bank maytry to lay claim to those assets.While she may not be liable to

the lender for the loan, your de-ceased friend’s estate may have anobligation to pay off the lender. Be-fore assets from the estate can bedistributed, the debts of the estatemust be paid off.Having said that, if some of the

assets are in joint accounts or intrusts, upon your friend’s death,those assets would have transferredautomatically to the designatedbeneficiaries. But in the case of thehouse, your friend incurred thatdebt personally and in that caseany assets that were in his name atthe time of his debt might have tobe used to pay off the lender undersome circumstances.

Ilyce R. Glink’s latest book is “Buy, Close,Move In!” If you have questions, you cancall her radio show at 800-972-8255 anySunday, from 11 a.m. to 1 p.m. EST. Con-tact Ilyce through her website atwww.thinkglink.com.

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Cut home heatingcosts this winterArticle ResourceAssociation

Some savvy homeownersare having their cake and eat-ing it too when it comes toenergy-efficient home heat-ing. Imagine cutting yourheating bills, while boostingyour home’s comfort. Soundtoo good to be true? Not forthe thousands of homeown-ers who are using radiantfloor heating, one of the old-est and most efficient meansof heating a home.The technology, dating

back to the ancient Romans,uses warm water to heat thefloor, instead of a furnace toheat the air. Modern radiantsystems pump warm waterthrough an in-floor network of PEX tubing(crosslinked polyethylene), which, inessence, turns a home’s entire floor into amassive whole-room radiator.Many families actually feel warmer at a

lower thermostat setting with radiant floorheating than at a higher temperature re-quired with conventional forced-air heat-ing systems. Studies conducted by theAmerican Society of Heating, Refrigeratingand Air-Conditioning Engineers indicatethat people with radiant heating systemscan be comfortable at temperatures 6 to 8degrees lower than with forced-air sys-tems. The lower thermostat setting meansusing less energy and saving more money.

Feel Warmer at a Lower TemperaturePicture a beautiful sunny day. It’s 65 de-

grees outdoors, and you are standing un-der a large tree. You may feel a bit chilly ifthere’s a breeze; but as soon as you step in-to the sunlight, you’re comfortable again.The air temperature is roughly the same inboth sun and shade, but you feel OK be-cause the sun’s radiant heat waves warmyou directly.The same concept applies to a home

with radiant floor heating. As the invisiblewaves of thermal radiation rise from thefloor, they warm you and all the surround-ing furnishings, which radiate that cap-tured heat.Contrast that with what happens in a

conventional forced-air heating system,the kind found in most American homes.Hot air blows out of the registers and risesto the top of the room where it quicklysheds heat and then drops back down as itcools.In a radiant home, all that warmth stays

at the floor level where the people and,

most importantly, their feet live. And ifyour feet are warm and comfortable,chances are, so are you.Moreover, because the distribution of

heat is more evenly circulated, there is lessneed to “overheat” a home in order tocompensate for spaces that seem too coolbecause of drafts or poor insulation.

New and Existing HomesA radiant heating system can be in-

stalled during new-home construction oradded to an existing home. Even if youchoose not to opt for radiant heat through-out your new home, the builder can stillinstall the PEX tubing in the basementfloor or – if you don’t have a basement – inthe home’s concrete slab. Radiant technol-ogy is also perfect for heating a singlebathroom or a kitchen.Other benefits of radiant heating in-

clude:• Healthy atmosphere: Since a radiant

system needs no fans or blowers to moveits heat, family members with allergies arenot subjected to the circulation of dust,mold, bacteria, viruses and pet danderthroughout the home.• Quiet operation: No fans and blowers

also means no noise.• Interior design options: Radiant heat-

ing allows you to place furniture whereveryou want with no concern about blockingair vents.• Fuel flexibility: Radiant floor heating

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LONGMONT

791 Thornwood CircleEnergy efficient home w/views!

www.791.wkre.com $208,000Mike Moger 303-541-1920

LONGMONT

1601 Great Western Dr., A-5Completely finished, lite & brite unit!www.1601.wkre.com $149,900

Mary Colwell 303-775-7135

2522 Wedgewood AvenueRanch home near McIntosh Lake!www.2522.wkre.com $185,000


LONGMONT

New Listing

Reduced price

Reduced price

New Listing

New Listing

LONGMONT13497 Darby LaneMagnificent 8 acre property!!!www.13497.wkre.com $2,450,000Lois Purtell 303-541-1915

4632 Portofino DriveBeautifully maintained both inside andout! www.4632.wkre.com $274,900JW “Buck” Buchanan 303-541-1909

15182 CO RD 1Circa 1900 2-story farm house!www.15182.wkre.com $1,100,000Jim Green 303-775-2553

633 Glenarbor CircleOn golf course, main lvl master!www.633.wkre.com $378,000Aggie Sobol 303-885-9806

7915 Plateau RoadSoaring spaces in 5,000+SF home!www.7915.wkre.com $750,000Mike Moger 303-541-1920

1767 WCR 20.5Vacation at home. 4 acre stocked lake!www.1767.wkre.com $969,000Jim Green 303-775-2553

1603 Sicily DriveHome has everything you are looking for!www.1603.wkre.com $375,000Sibyl Liedtke 720-564-6046

2114 Mallard PlacePristine 4BR,4BA home.3car. Kitchenupdate! www.2114.wkre.com $417,000Jerry Curry 303-541-1936

ERIE2469 Vale WayStunning Ranch-shows like a model!www.2469.wkre.com $449,900Donna Jensen 720-564-6065

2398 Links PlaceParade of Homes 1st Place Winner!www.2398.wkre.com $1,575,000Janet Raymer 720-564-6058

196 Meadowview ParkwayExceptional Candlelight Ridge Home!www.196.wkre.com $699,900Dan Kingdom 303-541-1924

3927 Beasley DriveFabulous 2 story in Arapahoe Ridge!www.3927.wkre.com $280,000Janet Borchert 303-263-3215


To improve credit score, makehabit of saving and paying off debt

Widholm earns 5-Star Institute designation

Widholm

Lola Jean Widholm of Re/Max Traditions recently received a 5-Star Institute designation. The designation will aid her in assistingclients in foreclosure, short payoffs or other distress situations. Onlya minimal number of Realtors have obtained this designation andthis certification will add to Widholm’s expertise and dedication inhelping her clients.

Widholm has been a licensed Realtor for 27 years and is a mem-ber of the Longmont Association of Realtors, working in Boulder,Larimer and Weld Counties. She can be reached at her office at 303-684-6301 or cell 303-588-3643.

By Michele Lernerbankrate.com

Living from one paycheck to the nextmay be the norm for many people. Buthomebuyers need a better strategy.“If buying a home is your goal, then it

needs to be your priority,” says Tim Kirchn-er, vice president of MetLife Bank in Irving,Texas. “Most people need to sacrifice a lit-tle and stick to a budget in order to save fora home.”A good budget plan begins one or two

years before the buyer makes an offer.When it comes to securing a loan at thebest mortgage rate, credit is king.“The most important focus for all poten-

tial buyers should be improving their creditscore,” says Jean Badciong, chief operatingofficer of Inlanta Mortgage in Waukesha,Wis. “A low score can prevent someonefrom buying a home or at least from quali-fying for an affordable mortgage rate.”Greg Holmes, national director of sales

and marketing for Credit Plus, says poten-tial buyers should request their free creditreport at AnnualCreditReport.com.“Some people who think they have good

credit don’t, while people who think theircredit is bad may be surprised that it is ac-tually OK,” Holmes says. “Everyone shouldcheck their report for accuracy and fix anymistakes. It can take months to correct er-rors.”To improve their credit scores, Holmes

says buyers should pay off past-due bills,pay every bill on time and reduce their bal-ances to less than 30 percent of the creditlimit on every account. Also, it is best tohave three to five credit accounts, such as acar loan, student loan or credit card, forone year or longer.Holmes recommends against frequently

switching credit cards to get the best rate.Kirchner says people often do not realize

the consequences of paying bills late ormissing a payment, which can stay on acredit report for a long time.Some young people assume they can im-

prove their credit scores as an authorizeduser on a parent’ s card. But Badciong saysthis will have no impact on their score.“Every consumer should establish three

lines of credit such as an installment loanand a credit card or two, keeping the bal-ance low and paying them on time, in orderto generate a strong credit report,” saysChristine Howard, a senior loan officerwith Inlanta Mortgage.Howard urges future homebuyers to

make “virtual” mortgage payments today asa way to build up savings and learn to bud-get for actual mortgage payments down theroad.“Renters can estimate a mortgage pay-

ment and set aside the difference betweenthat payment and their rent each month,”Howard says. “If they are paying $800 inrent and estimate their mortgage will be$1,100, they can put $300 per month in aspecial savings account.“Not only does this help them save for a

down payment, but it demonstrates to alender their ability to afford that higherhousing payment.”Kirchner recommends that future buyers

create a simple budget and set a savingsgoal.“If they find they can save $300 a month,

then they will have $3,600 at the end of theyear,” Kirchner says. “Lenders want to seethat pattern of savings, and buyers willneed at least 3.5 percent for a down pay-ment on an FHA loan or at least 10 percentfor a conventional loan.”Kirchner recommends setting up an au-

tomatic transfer of funds into savingthrough your employer or your bank.While buyers increase their savings, they

should also reduce their debt.“If your debt-to-income ratio is over 50

percent, you need to pay off your debt be-fore even thinking of buying a home,”Howard says. “Some companies will relaxtheir standards for borrowers with a strongcredit score or substantial cash reserves,but in general, FHA will only go up to 43percent and conventional lenders will onlygo to 41 percent for the overall debt-to-in-come ratio.”While it might be premature to visit a

lender two years before a home purchase, itcan be valuable for consumers to know ifthey qualify for a mortgage, Kirchner says.He also recommends visiting open houses.

www.coloradohomes.com/Longmont

Featured Listings

Longmont $209,400Adorable Townhome over 2,300 sq ft.

3Bed/3Bath/1Car Garage

Maryann Ellis 720-300-4909

241 Mill Village Blvd.

Longmont $185,000Luxury Condo w/mtn. view patio


Lorrie Cragg 720-839-4106

1404 Whitehall Dr. Unit E

Berthoud $379,950Great House Horses Welcome 5 acres

4 Bed/3 Bath/ 2 Car Garage

Lynn Stevenson 303-324-1891

1616 N CO RD 23

Lafayette $189,000FP, Eat in Kit, wet bar, RV parking


Cher Smith 303-809-9628

765 Shallot

Longmont $199,900A Must See! Gorgeous Backyard4 Bed/3Baths/ 2 Car Garage

Yvette Pereira 303-834-5018

950 Granite Dr.

Berthoud $170,000Brick Ranch Large Lot NO HOA3 Bed/2 Bath/ 2 Car Garage

Christine Torres 720-320-1405

925 Franklin Ave.

Longmont $329,900Finished basement close to school & park


Christian Anderson 303-817-5934

1087 Button Rock Dr.

Frederick $259,900Brand New Semi-custom home3 Bed/2 Bath/ 2 Car Garage

Cheryl Melichar 303-817-6163

5548 Drake Way

Longmont $165,0002200 Square Ft. Remodeled Updated

4 Bed/2 Bath / 1 Car Garage

Janie Larson 720-937-2676

637 Elliot St.

Longmont $244,000Adorable home with gorgeous finishes


Kirsten Davis 720-363-1783

311 Riverview Ct.

Longmont $450,000Spectacular Home with Upgrades Throughout!


Judy Whitaker 303-829-0484

1982 Lochmore Dr.

Berthoud $799,000Gorgeous Country Home


Jeff Jorissen 720-352-2833

1324 Shelby Dr.

Longmont $269,000Awesome 2670 Sq.Ft. MUST SEE4 Bed/3 Bath/ 2+ Car Garage

Ann Napier 303-775-5234

1620 23rd Ave

Dacono $219,900IMMACULATE Ranch w/Abundant Upgrades


Sherry Ankrum 303-588-4228

525 Short Dr.

Erie $269,000Bright, open multi-level home on large lot

4 Bed/4 Bath / 2 Car Garage

Sally Grenier 303-475-4508

193 Maplewood Dr.

Longmont $299,900Ranch w/finished basement3 Bed/3 Bath/ 2 Car Garage

Michelle King 303-591-3941

2429 Winding Dr.

Longmont $180,000Old Town Longmont Short Sale4 Bed/2 Bath/ 1 Car Garage

Cindy Montgomery 720-373-9235

1043 Gay St.


Plan yourparty withhosting tips

What’s the secret to pulling off a savory andscintillating soiree? Here are some tasty tips thatwill help you get started.

Keep It SimpleForgo the formal dinner and go for appetizers.

Shop for delicious pre-made appetizers at fancygrocery stores or even warehouse stores.

Let guests help themselves. A dinner party ismore fun to throw and attend when it’s buffet-style.

Get Guests TalkingPick a theme. For a party that mixes different

groups of friends, use nametags, but make themfun.

Give guests an assignment. One surefire way toget people mingling is to give them assignments,like having one person check on everybody’sdrink or having someone hand-pass hors d’oeu-vres.

– Courtesy Jennifer and Kitty O’Neil onhgtv.com

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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 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

$740-$890 $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

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 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 & hottub, A/C, business center, gourmet kitchens, detached

garages.*On selected apartments.

Cloverbasin Village630 Peck Dr. • 888-837-4912

$690-$1100 $1491,2,33-bdrm.

townhomes2 Yes Yes

Yes65 lbs limit

NoYes

& rentalavailable

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 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 inLongmont.

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 sizein eachcondo

W/Dprovided ineach Condo

All utilities & cable paid, sec. bldg., elevator, W/Din every unit, transportation, social events. HUGEamenities package, quiet 55+ community. Call for

incentives!

Com

plex

Nam

e

Add

ress

Pho

ne

Long

mon

t,CO


APARTMENTS

2400 17th Avenue, Longmont, Colorado 80503

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

01-1

6082

7

• 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 $740• Two bdr, 2 bath starting at $890

0 APP FEE: WinterSpecial! 1 bdrm $550

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

(303)774-0593

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]

LE DEAUVILLEAPARTMENTSROOMY & READY1 Bd From $5752 Beds From $610Great LocationLarge Units

Park Like SettingAmple ParkingA/C & Pool

303.772.3737

01-1

6031

7

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

✭✭✭✭✭✭✭✭✭✭✭✭✭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

2 BDRM APT´s-Starting at $625, some with

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

1 BDRM, $550 H/W furn,No Smk/Pets. Refs

303-775-7517

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


Buy it ...Sell it ...Find it ...

C l a s s i f i e d s

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

Apts Your CHOICE!www.alertrealty.net

● 917 Sunset #106-2 bdrm, 1 ba, ground

level, new carpet, water/trash/heat incl. N/P. $695RMGRealty, (303)772-4466

2036 ESTES LANE -2 bdrm, newly remod, offst pkng, $595. 303-485-0272.

Se habla español.

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

$840 303-443-4308


Check out the pet columns inclassifieds for that special

companion you’re looking for.

WOW!$248.00

Moves youin!!!!!

WITH NO RENTUNTIL 2/1/20113 to 4 bedroomsand 2 baths

● Fitness room● Club House● Playground● Swimming pool

Expires 12/27/2010

Sun Homes AtEagle Crest888-246-5232

www.4eaglecrest.com

VALUE PLACEFIRESTONE

New ExtentedStay Hotel

● $179* WEEKLY

or● $599

MONTHLY✓ Perfect for visitingfriends & family!

I-25 & Hwy 119,Longmont exit 240.

303-485-0040

Bring ad to qualify.*Expires 12/31/2010*New Guests Only*


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

DUPLEX2 Bedrooms• 1412 Terry St

Call PMP, 303-776-RENT

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, W/D hkup, storage,

$835/mo.Water paid.Gerald, 303-775-1598.

2 & 3 Bdrm Duplexeswww.alertrealty.net

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

Duplexes 4060

805 Summerhawk # J56$975, Beautiful double mas-ter townhouse, 1700 sq ft,1car detached garage +parking space, incl applcsavail NOW, 720-352-0904

Condos/Townhouses 4050

1 RENT TO OWN3 bdrm, 2.5 ba, 2 car, W/D,$1295. 4 hr free rec msg.866-810-1446 ext 1011

● 1701 ADKINSON4 bdrm, 3 bath, 2 story,2 car gar, Lgmt. $1375.RMG Realty, 303-772-4466

1424 TWIN SISTERS DR,5 bdrm, 2 ba, fncd bkyd, 2car gar, sprklr sys, $1495/mo + dep. No cats. Refsreq´d, avail 1/1. 303-810-6975

10544 Sunburst, Firestone, 4bdrm, 3 ba, 2 car, bsmt,

fncd, frpl, 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

● 1012 BRAGG2 story, 3 bdrm w/ den, newcarpet, 2 car garage,fenced yard, $1195/mo1 MONTH FREE RENT.RMGRealty, (303)772-4466

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

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

HOUSESHOLIDAY SPECIALS

2- 4 Bedroom Homes• 163 Grant • 19 Reed

• 1973 Carr Ct • 1025 Gay St• 132 Telluride

• 60 Empire • 234 Lapaz• 2206 20th • 1240 Meadow

• 1517 24th Ave• 1249 Whitehall DrCall PMP,

303-776-RENT

House for rent1BR East Side Home$775 call 303-776-7674

HOUSE- 3 BDRM, 3 bath,office, loft, family, living,dining rm, frpl, 3 car,backs to park, N/smk.

$1550/mo. Dave 303-929-2346

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

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

(303)772-4466

● 547 MARTIN2 bdrm, 1 bath, fencedyard, storage shed,pets OK, $850/month

RMG Realty, 303-772-4466

3 BDRM, 2.5 BA in Fred-erick, $1200/mo, no pets/smoke. 303-709-0051

3 & 4 Bedroom Houseswww.alertrealty.net

2 BDRM, 1 BA, culdesac,near Skyline HS, wd stove,2 car gar, lg patio. N/P/S.1 yr lse, $980/mo ✓Sr Dis.303-772-7916 Leave message

2 BDRM, 1 BA, beautiful,Old Town. Gar, fncd yd,w/d, n/s/p $950 303-682-5985

2100 SF- Clean inside & out,Move-in ready. 4 bdrm,

enclosed atrium, quiet cul-de-sac. $1300. 303-548-1091

Houses 4080


Self-Serve ClassifiedsImmediate access at your fingertips.

www.timescall.comClick on “Submit An Ad”

303-776-7440Classifieds

07423006

Sell, Advertise, Recruit

NW Longmont, 2 bedroom,1 bath, garage, 1619 Ervine

Ave. $900/month +damage deposit. NS/NP,

720-352-0993

NW Lgmt, 3 bdrm, 2 bath,1627 Calkins, $1125/mo.NP/NS, (303)601-6946

New Home for Rent6300 Clayton St in Fred-erick. 3 bdrm, 2.5bath,unfin. bsmt, large deck.$ 1 4 0 0 / m o S e a n

303-775-0429

Houses 4080

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

Houses 4080

WOW!$248.00

Moves youin!!!!!

WITH NO RENTUNTIL 2/1/20113 to 4 bedroomsand 2 baths

● Fitness room● Club House● Playground● Swimming pool

Expires 12/27/2010

Sun Homes AtEagle Crest888-246-5232

www.4eaglecrest.com

Houses 4080

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

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

ERIE, mobile home forrent, 2 bdrm, 1 ba $595 in-cludes water & trash.RENTED! RENTED!

Mobile Homes/Spaces 4090

303-772-7576629 Terry St., Longmont

www.longmont-realty.comwww

LONGMONTREALTY51

-160

919

807 TEMPTEDWAYS DR.Lovely condo in Prospect NewTown. 3 Finished levels with 3bedrooms, 3 baths, 2 car garage.High vaulted ceilings, brazillianredwood floors and great outdoordeck. All this for just $314,900

121 EMILIO CT.,FREDERICKBeautiful cul-de-sac home with fresh paintin and out, new vinyl, furnace, hot waterheater and carpet. Move right in now andyou can finish the walkout basement later!Price to go fast at $125,900

1908 CARR DR.Discovercomfortable,easymaintenancein this ranch home featuring anupdated kitchen, pergo flooring, andupgraded carpet. This 2 bedroom, 1bath features 1,127 finished squarefeet. All this for just $136,900

Longmont 5090

255 WEAVER PARKCLASS “A” second

floor office space forlease or sale. Common

area, conferenceroom, elevator,mountain views.1 yr Free Rent!

Don Rulle, CCIM303-772-2222

51-161

017

Office Space 4100

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

RoomsFor Rent 4130

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

RoommatesWanted 4120

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

OFFICE SPACE For RentHolistic Wellness Center.

(720)280-9047

Office Space 4100

✭South Longmont✭Ranch with fireplace oncul-de-sac, 3/1/2, $185,000AND Bilevel with fireplace,4/3/2 $179,000. Call formore information.

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

A pictureis worth a

thousand wordsTry a color

classified picturead today!

Call for details.303-776-7440

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

303-772-7576629 Terry St., Longmont

www.longmont-realty.comww

LONGMONTREALTY51

-160

918

815 GABRIEL CT.,Dacono. Discover the benefitsof small town living and easymaintenance in this 2 story, 2bedroom, 2 bath, 1 car garagetownhome. Move right in and relaxin your new home... $68,900

7 MARSHALL PLACELoads of Potential Here, sweat equityfor the Handyperson! Spacious ranchhome with 1,633 fin. sq. ft. and access tounfinished basement. Rear 2 car detachedgarage with spacious loft area. Check outthe endless possibilities... $99,900

50 19THAVE, #31LONGMONTCute ranch style condo ismove inready now. 2 spacious bedrooms,2 baths, enclosed porch, W/Dhookups and detached garage.See this neat and clean unittoday. Only $79,900!

Longmont 5090

✭ 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 ✭

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

2 Car GarageInclude!!!Over 1700 Sq Ft.

Pre-construction prices

$79,900.00✭ Financing Available✭ Pet Friendly✭ Fitness Center✭ Clubhouse✭ Swimming Pool

Sun Homes atEagle Crest1-888-649-56164eaglecrest.com

*Expires 12/30/2010

Mobile/ 5130ManufacturedHomes/Spaces

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

Seasons Re, (720)494-2133.

Lots & Tracts 5100

WE BUY HOUSES!CASH or TERMS

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

Longmont 5090

Buy it...Sell it...Find it...

Classified

Longmont 5090

Own this homefor $599.00*

Beautiful 3 bdrm/2 baJUST REDUCED!

$18,900!• Swimming pool• Clubhouse• Playground• New Fitness Center

Financing AvailablePet Friendly

Sun Homes atEagle Crest1-888-649-5616

4eaglecrest.com✓ Expires 12/30/2010

*WAC 10% down payment10.5% interest 180 monthsincludes $305.00 site rent for36 months w/$25,00 increases

Mobile/ 5130ManufacturedHomes/Spaces


Real Estate Transactions are supplied byProspects Unlimited Inc.,www.prospectsunlimited.com.

Longmont• Jennifer Shepherd from Mar-

jorie Atkinson, 640 GooseberryDr Unit 704, Longmont,$139,500, condo• Gita Bimali from Boulder

Creek Kingsbridge LLC, 1693Venice Ln, Longmont, $151,000,home• Patrick & Charity Vigil from

Habitat For Humanity St Vrain,304 Sweet Valley Ct, Longmont,$200,000, home• Robert & Mary Camp from

William Halsey, 1069 PonderosaCir, Longmont, $172,500, home• Louis & Catherine Tyon from

Jennifer Johnston, 930 ButtonRock Dr Unit 97, Longmont,$160,000, condo• William Halsey from Dewight

Mellecker, 1239 Baker St, Long-mont, $142,500, home• William & Catherine Limon

from James Nigh, 1201 SpruceAve, Longmont, $253,400, home• Charles & Jeannette Burke

from Boulder Creek KingsbridgeLLC, 1697 Venice Ln, Longmont,$259,500, home• Frederick & Nancy Bivens

from Charles L Norma J PressleyTrust, 1601 Metropolitan Dr,Longmont, $194,000, home• Resident from Lori Hines,

3455 Larkspur Dr, Longmont,$263,000, home• Charles Hickman from MHE

Enterprises Inc, 1432 Pratt St,Longmont, $175,000, home• Christine & Thomas Roling

from RMA Holdings Inc, 3143Nelson Rd, Longmont, $569,000,home• Sheryl Bellinger from Ryan

Castor Alexander Inc, 7973 Diag-onal Hwy, Longmont, $285,000,home• Rolando Pichardo from Tri

State Properties Inc, 2401 Key Ct,Longmont, $203,500, home• Melinda Vole from Marilyn

Weston, 1245 Vail Ln, Longmont,$183,000, home• Sandra Ogrady from Charles

Adam, 1754 Sunlight Dr, Long-mont, $329,000, home• Joseph Lebeck from Cleo

Bennett, 1221 Sunset St, Long-mont, $157,000, home• Lawrence Moore from Bike-

more Real Estate Investment,1527 Pratt St, Longmont,$225,000, home• William Chrisman from

Ronald Burke, 312 Mill VillageBlvd, Longmont, $240,000, home• Ten LLC from Ryan Butler,

1036 Morning Dove Dr, Long-mont, $262,500, home• Bonnie & Jay Cushman from

Steve Conder, 2003 Terry St Unit105, Longmont, $83,000, condo• Ken Storm from Brian, 924

Corey St, Longmont, $140,000,home• Brett Lockhart from Erin Re-

nae Popino Trust, 2027 SunlightDr, Longmont, $224,000, home• Matthew & Heather Gerber

from Firstier Bank, 910 PlateauRd, Longmont, $520,000, home• Heather Archerbaker from

Mathew Gerber, 131 Elk Pl, Long-mont, $165,000, home• Otis & Lynn Dillow from

GMAC Mortgage LLC, 3119 LakePark Way, Longmont, $209,000,home• Thomas & Hadley Corson

from Pamela Goetsch, 2007 Prest-wick Ct, Longmont, $475,000,home• Terrence & Debra Shockley

from John Howe, 1630 SundancePl, Longmont, $600,000, home• Christian & Monica Black

from Elizabeth Lane, 1697 Gene-va Cir, Longmont, $190,000,home• Maria & Maria Vargas from M

E LLC, 805 Summer Hawk Dr,Longmont, $139,400, home• M LLC from Robert Phillips,

1139 Pratt St, Longmont,$100,000, home• Resident Trust from Dennis

Rubsam, 824 Half Measures Dr,Longmont, $585,000, home• Bruce Ide from Janet Soren-

son, 1018 S Pratt Pkwy, Long-mont, $198,500, home• Julie King from Joseph Terra-

nova, 1312 Monarch Ct, Long-mont, $205,000, home• Joel Danforth from Daniel

Yegge, 1502 Chukar Dr, Long-mont, $308,000, home• Anthony Nguyen from Anna

Youngs, 1856 Lochmore Dr,Longmont, $342,000, home• Katherine Schall from Kory

Mossoni, 11819 N Beasly Rd,Longmont, $375,000, home

Berthoud• I Wetzler from WAMU, 1801

N County Road 15c, Berthoud,$382,400, home• Epic LLC from Foothills Self

Storage Inc, 372 Mountain ViewRd Unit 15, Berthoud, $162,000,condo• David Steffen from Shirley

Kardok, 1716 Riverview Dr,Berthoud, $305,000, home• Travis & Amy Schluessler

from Chester Saul, 3719 CoyoteTrl, Berthoud, $159,500, home

Dacono• Sherri Kramer from Susan

May, 2020 Skyview Pl, Dacono,$163,000, home• Dean Gallardo from Unitz

LLC, 151 Mt Elbert Ave Unit B 8,Dacono, $90,000, condo• Petlo Corp from BAC Home

Loan Servicing LP, 1025 Mac-Davidson Cir, Dacono, $58,000,home• David & Debra Severini from

Garage Properties LLC, 151 MtElbert Ave Unit B 4, Dacono,$100,500, condo• Garage LLC from Unitz LLC,

151 Mt Elbert Ave Unit D 3, Da-cono, $101,300, condo

Erie• Peggy Martella from Kurt An-

derson, 858 Turpin Way, Erie,$207,400, home• Timothy & Monica Zimmer

from Scott Bundy, 2347 Pon-derosa Pl, Erie, $284,000, home• Resident from Robin Foster,

2053 Tundra Cir, Erie, $282,000,home• Dixie Bliley from Taymor

Morrison Colo Inc, 1136 Koss St,Erie, $305,000, home• Kim &Michael Opel from

Nicholas Winfrey, 292 Smith Cir,Erie, $153,000, home• Chad & Heather Stoffel from

Karen MacDonald, 846 BrimbleCt, Erie, $325,000, home• Brandon & Jaclyn Uttley

from Richmond American HomesColora, 1351 Mathews Way, Erie,$338,000, home• Jerry & Janis Gillespie from

Michael Russo, 2272 DogwoodDr, Erie, $360,000, home• Sandra Schnitzer from Six

Point Reh Ii LLC, 1942 Cedar-wood Pl, Erie, $348,500, home

Firestone• Frank & Renee Svejda from

Philip MacDougall, 6188 Saddle-back Ave, Firestone, $392,500,home• John & Beverly Rose from

Gregorio Martinez, 6868 Silver-leaf Ave, Firestone, $227,000,home• Randall & Janell Fischer from

Rachelle Rowberry, 5084 Rose-wood Ave, Firestone, $324,900,home• Paul Floresgil from Urban So-

lutions LLC, 6206 Sage Ave, Fire-stone, $321,800, home• Robert & Jennifer Fisher

from Richmond American HomesColo Inc, 6276 Union Ave, Fire-stone, $257,500, home

Fort Lupton• Alfonso Riquelme from Fan-

nie Mae, 724 Beth Ave, Fort Lup-

ton, $139,400, home• Stacey & John Elder from

Neil Coyle, 340 3rd St, Fort Lup-ton, $109,200, home

Frederick• John Engdahl from Fed

Home Loan Mtg Corp, 9036 Eldo-rado Ave, Frederick, $289,900,home• Hunter Corp from Msp Corp,

5513 Mustang Dr, Frederick,$79,000, home

Lyons• David & Brynn Manzella

from Charles Burks, 414 StickneySt, Lyons, $228,000, home• Edgar & Susan Bristow from

Markel Homes Construction Co,419 Raymond Ct, Lyons,$467,300, home

Foreclosures – notice of electionand demand• Borrower: Steven Dawe,

Lender: Remo Enterprises LLC,Amount: $40,000, Property: 817Green Wood Dr, Berthoud, Filed:12/07/10• Borrower: James & Kerry

Streck, Lender: BAC Home LoansServicing Lp, Amount: $188,126,Property: 5351 Rustic Ave, Fire-stone, Filed: 12/07/10• Borrower: Kent & Stephanie

Bogrett, Lender: Onewest BankFSB, Amount: $185,411, Proper-ty: 10385 Falcon Ct, Firestone,Filed: 12/08/10• Borrower: Sandy Fiege,

Lender: BAC Home Loans Servic-ing LP, Amount: $141,147, Prop-erty: 4440 County Road 37, FortLupton, Filed: 12/03/10• Borrower: Donald & Alberta

Thielen, Lender: US Bank NA,Amount: $123,310, Property:1109 Ash Ct, Fort Lupton, Filed:12/03/10• Borrower: Carlos Rodriguez,

Lender: The Bank Of New YorkMellon, Amount: $337,406, Prop-erty: 3530 Willow Rd, Frederick,Filed: 12/02/10• Borrower: Mensur & Guine-

vere Husic, Lender: BAC HomeLoans Servicing LP, Amount:$142,795, Property: 1820 18thAve, Longmont, Filed: 12/06/10• Borrower: Michelle Causley,

Lender: US Bank National Associ-ation, Amount: $162,592, Proper-ty: 1905 Carr Dr, Longmont,Filed: 12/06/10• Borrower: Gregory & Kath-

leen Bausch, Lender: US Bank Na-tional Association, Amount:$133,046, Property: 816 S BrossSt, Longmont, Filed: 12/07/10• Borrower: Jeffrey McBride,

Lender: JPMorgan Chase BankNational Assoc, Amount:

$278,085, Property: 1346 McD-lure Dr, Longmont, Filed:12/07/10

• Borrower: Rod & MichelleGlasser, Lender: Citimortgage Inc,Amount: $156,818, Property:1320 Torreys Peak Dr, Longmont,Filed: 12/02/10

• Borrower: William Rittner,Lender: Flagstar Bank FSB,Amount: $203,163, Property:1820 Princess Dr, Longmont,Filed: 12/08/10

• Borrower: Charlene Thomas,Lender: The Bank Of New YorkMellon, Amount: $237,615, Prop-erty: 4218 Arezzo Dr, Longmont,Filed: 12/03/10

• Borrower: Tyler & JustinCrow, Lender: MSBC MortgageCorporation USA, Amount:$103,473, Property: 1525 GreenPl, Longmont, Filed: 12/07/10

• Borrower: Jeannie Westfall,Lender: HSBC Mortgage ServicesInc, Amount: $193,698, Property:2210 Bowen St, Longmont, Filed:12/07/10

• Borrower: Mary Golden,Lender: US Bank National Associ-ation, Amount: $146,456, Proper-ty: 1130 Venice St, Longmont,Filed: 12/08/10

• Borrower: David Vara,Lender: PHH Mortgage Corpora-tion, Amount: $117,454, Proper-ty: 1248 Meadow St, Longmont,Filed: 12/08/10

• Borrower: Jeffrey & KellyJohnson, Lender: Deutsche BankNational Trust Company,Amount: $231,943, Property:2856 County Road 20.5, Long-mont, Filed: 12/03/10

• Borrower: Michael Noble,Lender: JPMorgan Chase NationalAssociation, Amount: $165,173,Property: 10685 Durango Pl,Longmont, Filed: 12/03/10

• Borrower: Laurie Kennedy,Lender: Wells Fargo Bank NA,Amount: $196,158, Property: 209Ewald Ave, Lyons, Filed: 12/08/10

• Borrower: Elk LLC, Lender:Wells Fargo Bank NA, Amount:$138,760, Property: 309Goodrich Ave, Platteville, Filed:12/06/10

• Borrower: Janelle Severson,Lender: BAC Home Loans Servic-ing LP, Amount: $412,781, Prop-erty: 16479 Burghley Ct, Plat-teville, Filed: 12/08/10


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