Sept. 17 Home and Real Estate section
4
www.reporterherald.com Saturday, September 17, 2011 Reporter-Herald Real Estate Matters • • Determine foreclosure’s, short sale’s impact on credit score ILYCE GLINK TRIBUNE MEDIA SERVICES Q uestion: I was recently divorced and bought a home. However, I have a rental property in an area that is quite depressed and where crime has increased. Homes in that area are now selling for about $15,000, and there are few renters moving in. I need to sell the rental prop- erty, as it has now drained me fi- nancially. I missed one payment. I don’t think my bank is likely to accept a short sale. My bank said that they would only consider a deed in lieu of foreclosure if I put the home up for sale and it doesn’t sell in three months. I have a tenant in the property, but he only pays sporadically, and I don’t have the funds to evict him. My credit score is 790, and I live in Georgia. Do you know how much my score would drop if I did a fore- closure or short sale? I am living hand-to-mouth, and at this point I am thinking to go the route of the foreclosure. I can’t live like this anymore. Answer: Earlier this year, a blog post on FICO.com gave some insight into how certain mortgage-related problems would impact a person’s FICO credit score. The blog post had a chart that showed the decline in a person’s credit score due to four events: a late mortgage pay- ment, a short sale, a foreclosure and bankruptcy. It was interesting to note that a person with a higher credit score gets hit harder with one of these events than a person with a lower credit score. In your case, their chart indicated that a person with a 780 credit score would lose about 100 points if they were 30 days late on a mort- gage payment and would lose about 130 points if they were more than 90 days late on a mortgage payment. If a borrower undertook a short sale, deed in lieu of foreclosure or a settle- ment with a bank where there was no deficiency still owing the bank, the credit score hit would be about 125 points. Finally, a short sale with a deficiency re- ported or a foreclosure would negatively affect a person’s cred- it score by about 160 points. The worst thing for a credit score for a person in your situa- tion would be bankruptcy. It would cause a drop of about 230 points. While these numbers are a guide to what might happen to a person in your situation, you need to keep in mind that your Renovation POLYANA DA COSTA BANKRATE .COM T wo little-known home renovation mortgage programs offer solutions for buyers and homeowners who want to renovate. Fannie Mae and the Federal Housing Administration have home renovation mortgage programs that allow buyers to borrow based on what the house is expected to be worth after the home rehab is completed. Homeowners can also use both programs to refinance their existing mortgage, plus the renova- tion costs, into one loan. FHA’s 203(k) program and Fannie’s HomeStyle Renova- tion Mortgage have been around for years. “A couple years ago there wasn’t as much demand for these loans,” said Leesa San- doval, a loan officer with PrimeLending in Dallas who specializes in renovation mortgages. “But now they are great to get some of this (housing) inventory sold and get these foreclosures out of the market.” The FHA insured 22,491 home renovation mortgages in the 2010 fiscal year — more than six times the number it insured in 2007, according to the agency’s lat- est report on 203(k) loans. Dustan Shepherd, a loan officer and 203(k) specialist with BNC National Bank in Overland Park, Kan., said while demand for the rehab loans is up, many borrowers are not aware of the pro- grams or think they are too complicated. Unlike credit lines, these renovation loans require bor- rowers to show the money was spent on the house. In the standard FHA 203(k) program, the borrower hires a consultant to assess the construction plan and to per- form an inspection before a “draw” — when a portion of the money is disbursed to the contractor. Borrowers have up to six months and five draws to finish a project. The HomeStyle program does not require a consultant to monitor the work, only an initial and final inspection. While rehab loans involve more work than traditional mortgages, they can help those who want to buy discounted homes that need repair. Shepherd said he recently helped a couple that bought a foreclosed house in Kansas City, Mo., for $26,000 and borrowed $136,000 to reno- vate the property. An ap- praisal estimated the home would be worth about $135,000 after the work is completed. The couple was able to take out an FHA 203(k) mortgage totaling $144,000, which covered the price of the house, renova- tions, and loan costs, minus a down payment. “It’s a great way to buy low and renovate to the buyer’s specific style and taste,” Sandoval said. But how do you know which loan is better? It de- pends on the situation. Those who don’t have great credit should probably opt for an FHA 203(k). Most HomeStyle lenders require a credit score above 680. To get the best rate on a Home- Style mortgage, borrowers need to have a minimum 740 credit score, Sandoval says. For borrowers with credit scores lower than 740, it’s best to compare estimates, Sandoval said. FHA does not set a mini- mum score requirement for 203(k) loans, but many lenders require a score of 640 or greater. There are a few exceptions and some lenders accept scores as low as 600, Shepherd said. Under the FHA’s 203(k) program, borrowers can get a mortgage with a down payment as little as 3.5 percent. HomeStyle re- quires a minimum 5 percent down payment. The FHA 203(k) program is available only for owner- occupants. The HomeStyle program allows investors. The 203(k) rehab mort- gage must comply with FHA loan limits. The limit varies by county but is $271,050 in most places. In high-cost areas, the limit is as a high as $625,500 starting Oct. 1. The upper limit in highest- cost areas is $729,750 through September. With a 203(k) loan, bor- rowers can get up to 110 per- cent of the home’s appraised value, compared to 95 per- cent with a HomeStyle loan. Both appraisals are based on what the house is expected to be worth after repairs. Loan Mortgages can pay for home renovation H& Front Range Gardening RE Signs of Aphids Yellow jackets mean aphids and scale CAROL O'MEARA CSU EXTENSION T he big buzz in the garden right now is centered around the burr oak growing in our front yard. The deeply lobed leaves are swarming with activity; so many in- sects are swooping and diving, it looks more like a space station out of Star Wars than a tree. A closer look shows the busy bugs to be yellow jackets, gleaning the tree for honeydew. The sugary waste excreted by sap-sucking bugs is what the wasps are after, which shows you just how far the sugar addicted will go to satisfy a sweet tooth. The wasps aren’t a problem for the tree, but they can get aggressive in their search for sugar. What can be a problem for the tree are the insects making the hon- eydew, bugs such as aphids or scale. Aphids — soft bodied, pear-shaped insects that suck sap — continue to be a problem for plants this year. Their late-season boom in popula- tion doesn’t really harm the tree, but it can set the plant up for the problem next spring as eggs are laid near buds and in bark crevasses. Scale insects are also sap feeders, but because they’re small and immo- bile for most of their life, most peo- ple never notice them quietly pulling the life from the tree. Cousins to aphids, they sport an armored shell that protects them from predators and people. Aspen, ash, lilac, co- toneaster, willow and poplars are fa- vorite targets of Oystershell scale, while pines and spruce fall victim to pine needle or pine tortoise scales. Most trees have scale that can attack them. For those who are continually try- ing to wrest control of the garden back from these small insects, a change of strategy may help. To keep aphids and scale under control, plan ahead for next season, taking steps during the dormant time to elimi- nate most of them. Although mulch is a critical item to plant health over winter, clean-up of leaf litter on the mulch surface in the fall is a crucial step to reducing numbers of over wintering aphids seeking shelter. To remove oystershell scale a gen- tle scrubbing of the trunk will exfoli- ate the bugs from the plant. Use a soft, soap-free plastic scrubber, bearing down light- ly to remove the scale, not the bark. If the tree is heavily infest- ed with aphids or scale a stronger approach is needed, such as applications of dor- mant oil during late winter. These oils are refined for use on plants as a way to smoth- er the insect or eggs and kill it. But a few words of caution when applying dormant oils: make certain that the oil is labeled for use on the plant. Many woody plants are sensitive to oils and could be harmed, rather than helped. Apply oils during warmer, dry days of early spring — before bud break and not in freezing weather. Dor- mant oil is for use before active growth of the plant begins, not when shoots are growing, so wait until late winter. If applied too early, such as in the fall, plants may be prone to win- ter damage. But back to the wasps, which are a problem with their aggressive forag- ing in fall. The best way to fix it is to find the nest and destroy it. This is not for the faint of heart: yellow jackets are a ground dwelling wasp, and post ill-tempered sentries at the entrance to their nest. Lure them to a trap baited with heptyl butyrate, which is similar to sugar water. These brightly colored plastic tubes entice yellow jackets, but not honey bees, with the sweet drink they crave. Carol O’Meara is with CSU Extension in Boulder County. Contact her at 303-678-6238 or comeara@co .boulder.co.us. Front Range Gardening ■ See GLINK/Page E3 www.HomeStateBank.com (970) 203-6100 An FHA 203(k) mortgage allows you to finance both your home purchase and renovation with a single loan. Call now to learn more. Loans and rates subject to credit approval. FHA conditions and restrictions apply. Vivian DeVoe, VP Mortgage Banker, 970-227-4702 Buying a home that needs work? Call the experts in FHA 203(k) renovation financing. Think big Bank small
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Weekly real estate section for the Loveland Reporter-Herald
Transcript of Sept. 17 Home and Real Estate section
www.reporterherald.com Saturday, September 17, 2011 Reporter-Herald
Real EstateMatters
• •
Deter minefo r e c l o s u r e ’s,short sale’simpact oncredit scoreILY C E GLINKTRIBUNE MEDIA SE RV I C E S
Question: I was recentlydivorced and bought ahome. However, I have a
rental property in an area that isquite depressed and where crimehas increased. Homes in thatarea are now selling for about$15,000, and there are fewrenters moving in.
I need to sell the rental prop-erty, as it has now drained me fi-nancially. I missed one payment.I don’t think my bank is likely toaccept a short sale. My bank saidthat they would only consider adeed in lieu of foreclosure if I putthe home up for sale and itdoesn’t sell in three months.
I have a tenant in the property,but he only pays sporadically,and I don’t have the funds toevict him. My credit score is 790,and I live in Georgia.
Do you know how much myscore would drop if I did a fore-closure or short sale? I am livinghand-to-mouth, and at this pointI am thinking to go the route ofthe foreclosure. I can’t live likethis anymore.
Answer: Earlier this year, ablog post on FICO.com gavesome insight into how certainmortgage-related problemswould impact a person’s FICOcredit score. The blog post had achart that showed the decline ina person’s credit score due tofour events: a late mortgage pay-ment, a short sale, a foreclosureand bankruptcy.
It was interesting to note thata person with a higher creditscore gets hit harder with one ofthese events than a person witha lower credit score. In yourcase, their chart indicated that aperson with a 780 credit scorewould lose about 100 points ifthey were 30 days late on a mort-gage payment and would loseabout 130 points if they weremore than 90 days late on amortgage payment. If a borrowerundertook a short sale, deed inlieu of foreclosure or a settle-ment with a bank where therewas no deficiency still owing thebank, the credit score hit wouldbe about 125 points. Finally, ashort sale with a deficiency re-ported or a foreclosure wouldnegatively affect a person’s cred-it score by about 160 points.
The worst thing for a creditscore for a person in your situa-tion would be bankruptcy. Itwould cause a drop of about 230points.
While these numbers are aguide to what might happen to aperson in your situation, youneed to keep in mind that your
R e n ova t i o n
PO LYA N A DA CO S TABA N K R AT E .COM
Two little-known homerenovation mortgageprograms offer
solutions for buyers andhomeowners who want torenovate.
Fannie Mae and the FederalHousing Administration havehome renovation mortgageprograms that allow buyersto borrow based on what thehouse is expected to beworth after the home rehabis completed. Homeownerscan also use both programsto refinance their existingmortgage, plus the renova-tion costs, into one loan.
FHA’s 203(k) program andFa n n i e ’s HomeStyle Renova-tion Mortgage have beenaround for years.
“A couple years ago therewasn’t as much demand forthese loans,” said Leesa San-doval, a loan officer withPrimeLending in Dallas whospecializes in renovationmortgages. “But now theyare great to get some of this(housing) inventory sold andget these foreclosures out of
the market.”The FHA insured 22,491
home renovation mortgagesin the 2010 fiscal year —more than six times thenumber it insured in 2007,according to the agency’s lat-est report on 203(k) loans.
Dustan Shepherd, a loanofficer and 203(k) specialistwith BNC National Bank inOverland Park, Kan., saidwhile demand for the rehabloans is up, many borrowersare not aware of the pro-grams or think they are toocomplicated.
Unlike credit lines, theserenovation loans require bor-rowers to show the moneywas spent on the house. Inthe standard FHA 203(k)program, the borrower hiresa consultant to assess theconstruction plan and to per-form an inspection before a“draw” — when a portion ofthe money is disbursed tothe contractor. Borrowershave up to six months andfive draws to finish a project.The HomeStyle programdoes not require a consultantto monitor the work, only aninitial and final inspection.
While rehab loans involvemore work than traditionalmortgages, they can helpthose who want to buydiscounted homes that needr e p a i r.
Shepherd said he recently
helped a couple that boughta foreclosed house in KansasCity, Mo., for $26,000 andborrowed $136,000 to reno-vate the property. An ap-praisal estimated the homewould be worth about$135,000 after the work iscompleted. The couple wasable to take out an FHA203(k) mortgage totaling$144,000, which covered theprice of the house, renova-tions, and loan costs, minusa down payment. “It’s a greatway to buy low and renovateto the buyer’s specific styleand taste,” Sandoval said.
But how do you knowwhich loan is better? It de-pends on the situation.
Those who don’t havegreat credit should probablyopt for an FHA 203(k). Most
HomeStyle lenders require acredit score above 680. Toget the best rate on a Home-Style mortgage, borrowersneed to have a minimum 740credit score, Sandoval says.
For borrowers with creditscores lower than 740, it’sbest to compare estimates,Sandoval said.
FHA does not set a mini-mum score requirement for203(k) loans, but manylenders require a score of640 or greater. There are afew exceptions and somelenders accept scores as lowas 600, Shepherd said.
Under the FHA’s 203(k)program, borrowers canget a mortgage with adown payment as little as3.5 percent. HomeStyle re-quires a minimum 5 percent
down payment.The FHA 203(k) program
is available only for owner-occupants. The HomeStyleprogram allows investors.
The 203(k) rehab mort-gage must comply with FHAloan limits. The limit variesby county but is $271,050 inmost places. In high-costareas, the limit is as a high as$625,500 starting Oct. 1.The upper limit in highest-cost areas is $729,750through September.
With a 203(k) loan, bor-rowers can get up to 110 per-cent of the home’s appraisedvalue, compared to 95 per-cent with a HomeStyle loan.Both appraisals are based onwhat the house is expectedto be worth after repairs.
LoanMortgages canpay for homer e n ova t i o n
H& Front Range GardeningRE
Signsof Aphids
Yellow jacketsmean aphids
and scaleCA RO L O'MEARACSU EXTENSION
The big buzz in the garden rightnow is centered around theburr oak growing in our front
yard. The deeply lobed leaves areswarming with activity; so many in-sects are swooping and diving, itlooks more like a space station outof Star Wars than a tree.
A closer look shows the busy bugsto be yellow jackets, gleaning thetree for honeydew. The sugary wasteexcreted by sap-sucking bugs is whatthe wasps are after, which shows youjust how far the sugar addicted willgo to satisfy a sweet tooth. Thewasps aren’t a problem for the tree,but they can get aggressive in theirsearch for sugar.
What can be a problem for the
tree are the insects making the hon-eydew, bugs such as aphids or scale.Aphids — soft bodied, pear-shapedinsects that suck sap — continue tobe a problem for plants this year.Their late-season boom in popula-tion doesn’t really harm the tree,but it can set the plant up for theproblem next spring as eggs are laid
near buds and in bark crevasses.Scale insects are also sap feeders,
but because they’re small and immo-bile for most of their life, most peo-ple never notice them quietly pullingthe life from the tree. Cousins toaphids, they sport an armored shellthat protects them from predatorsand people. Aspen, ash, lilac, co-toneaster, willow and poplars are fa-vorite targets of Oystershell scale,while pines and spruce fall victim topine needle or pine tortoise scales.Most trees have scale that can attackthem.
For those who are continually try-ing to wrest control of the gardenback from these small insects, achange of strategy may help. To keepaphids and scale under control, planahead for next season, taking stepsduring the dormant time to elimi-nate most of them. Although mulchis a critical item to plant health overwinter, clean-up of leaf litter on themulch surface in the fall is a crucialstep to reducing numbers of overwintering aphids seeking shelter.
To remove oystershell scale a gen-tle scrubbing of the trunk will exfoli-ate the bugs from the plant.Use a soft, soap-free plasticscrubber, bearing down light-ly to remove the scale, notthe bark.
If the tree is heavily infest-ed with aphids or scale astronger approach is needed,such as applications of dor-mant oil during late winter.These oils are refined for useon plants as a way to smoth-
er the insect or eggs and kill it. Buta few words of caution when applyingdormant oils: make certain that theoil is labeled for use on the plant.Many woody plants are sensitive tooils and could be harmed, ratherthan helped.
Apply oils during warmer, dry daysof early spring — before bud breakand not in freezing weather. Dor-mant oil is for use before activegrowth of the plant begins, not whenshoots are growing, so wait until latewinter. If applied too early, such as inthe fall, plants may be prone to win-ter damage.
But back to the wasps, which are aproblem with their aggressive forag-ing in fall. The best way to fix it is tofind the nest and destroy it. This isnot for the faint of heart: yellowjackets are a ground dwelling wasp,and post ill-tempered sentries at theentrance to their nest.
Lure them to a trap baited withheptyl butyrate, which is similar tosugar water. These brightly coloredplastic tubes entice yellow jackets,but not honey bees, with the sweetdrink they crave.
Carol O’Meara is withCSU Extension inBoulder County.Contact her at303-678-6238 orcomeara@co. b o u l d e r. c o . u s .
Front Range Gardening� See GLINK/Page E3
www.HomeStateBank.com(970) 203-6100
An FHA 203(k) mortgage allows you to finance both your homepurchase and renovation with a single loan. Call now to learn more.
Loans and rates subject to credit approval. FHA conditions and restrictions apply.
Vivian DeVoe, VP Mortgage Banker, 970-227-4702
Buying a home that needs work?Call the experts in FHA 203(k)renovation financing.
Think big Bank small
E2 Saturday Reporter-Herald S eptember 17, 2 0 1 1
To add a listing or speak to an advertising representative, call Dan Grassmeyer at 970-635-3615
For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifi eds” section of this publication. This guide is
brought to you by the Daily Reporter-Herald, local real estate agents and area builders.
WWW.HOMEANDREALTYGUIDE.COM•CLICK ON OPEN HOUSE MAPS
saturday sunday
Just Completed! Large covered porch, main fl oor laundry, open kitchen w/dbl pantries and eating nook, upgrades include wood fl oors, granite, tile, stone fi replace, 3 car garage. Neighborhood pool.
930 Crabapple, Loveland
ALFORD MEADOWS OPEN HOUSESATURDAY & SUNDAY 12-3
Dominic EastColdwell Banker(97) 667-4540 [email protected]
We never stop moving:
Introducing Pittington Ranch! Panoramic views, open fl oor plans, room for your horses! 90 plus acres of riding space. Model home open! 13 homesites to choose from, starting in mid $400’s.
Just West of Loveland 288 Reservoir Drive!
OPEN HOUSE SAT. & SUN. 1-4 PM
John MatheyPremier Lifestyle(970) 481-5512
Immaculate and beautiful 2bd/3ba 2000 sf townhome in one of the best locations in the complex. Your patio and windows look out to an expansive, private park. $148,000
260 Carina Circle #106, Loveland
SPACIOUS AND PRIVATE!
Jennifer CarpenterThe Group Real Estate(970) 231-1407
Peakview Meadows Sales offi ce open Friday & Monday from 1-4, Sat 1-5 and Sunday 11-3 Prices starting at $195,900. 5 Models to choose from.
Peakview Meadows, Berthoud
OPEN SAT. 1-5 PM & SUN. 11-3 PM
Kurt Albers & Chris RamponeCentury 21 Humpal, Inc970-231-1224 Kurt 970-430-0845 Chriswww.berthoud.org
4BD, 2BA split-level remodeled w/ artsy fi nishes. Over 1/3 acre, organic garden, fruit & nut trees, greenhouse. Abuts canal w/ walking path. Very private, no HOA...live YOUR way! MLS#665209. $198,400
2599 FLEMING DR., LOVELAND
NEW LISTING!
Sharon CookNoCo Realty, Inc. (970) 679-9900 [email protected] eming.com
Great 1 acre property in Indianhead Estates on corner lot with 3 car attached garage PLUS separate 2 car/shop! Room for your RV’s & room to expand for additional garages!
27847 Arikaree Rd, Loveland
JOHNSTOWN SCHOOL DISTRICT!
Maurine GarretsonColdwell Banker Plains Real Estate, Inc.970-396-9597 [email protected]/local/plains
OPEN Saturday 1-3 PM 2+Acre Lake front & horse lots starting $225,000 water tap included. Surface rights, walk paths, parks, boat docks, fi shing and peace garden.
Warberg Farm at Chapman Reservoir
OPEN SATURDAY 1-3 PM
Ursula Albers Century 21 Humpal, [email protected]
A spacious new ranch w/a WALKOUT bsmt. Inviting open kit/dng/great room area, main lvl laundry. Blt for energy savings, 2x6 const, UPGRADES thru out. Quality built by Weinland Homes in Quail Run.
3402 Creede Court, Loveland
OPEN HOUSE SAT & SUN 1:00-3:00 PM
Cory Roberts Premier Lifestyle Realty(970) 215-9913 plrealty@qwestoffi ce.net
UP TO $199,999UP TO $199,999 $200,000 - $299,999$200,000 - $299,999
$300,000 - $399,999$300,000 - $399,999 $400,000 - $499,999$400,000 - $499,999
Featured Properties
FOR SALE
Time to GetYour Own Place?
Begin your search atreporterherald.com/classi-fi eds/homeandrealtyguideyour online and print real
estate source.
3 BD, 2 BA Ranch, new kit cab and hardwood fl rs. Unfi n bsmt, big back yard, spklrs, privacy fence.
Price Location Address Hours Offi ce Phone
From the $140’s Loveland 43rd St & Wilson Ave The Cottages at Enchantment Ridge
12-5 PM Cottage Realty 970-532-5900
From the $150’s Milliken 110 Traders Lane 12-3 PM The Group Inc., Real Estate, Tracy Wilson
970-567-0907
From $159,900-$229,000
Loveland 1899 East 11th Street 10 AM-6 PM Midtown Homes, Wayne Lewis
970-456-4600
$169,900 Loveland 4403 Elliot Pl 12-5 PM Cottage Realty 970-215-0515
$175,000 Loveland 466 West 5th Street 1:30-3:30 PM The Group Inc., Real Estate, John Simmons
970-481-1250
See information in our ad about 466 West 5th Street
Loveland 468 West 5th Street 1:30-3:30 PM The Group Inc., Real Estate, John Simmons
970-481-1250
$178,000 NE Loveland 2445 Oleander 2-4 PM RE/MAX Town & Country, Gary Maggi
970-532-5096
$180,000 Loveland 409 Ash 10 AM-1PM Michelle Wilson, Western Plains Realty
970-663-5008, 970-685-2992
Starting at $195,900 Berthoud Peakview Meadows 1-5 PM Century 21 Humpal, Kurt Albers, Chris Rampone
970-231-1224, 970-430-0845
$199,000 Loveland 260 Carina Circle #106 Contact our realtor for more information
The Group Inc., Real Estate, Jennifer Carpenter
970-231-1407
From the $200’s Loveland 930 Crabapple 12-3 PM Coldwell Banker, Dominic East
970-667-4540
From the 200’s Windsor 241 Saratoga Drive 1-4 PM The Group Inc., Real Estate, Kelli Couch
970-310-8804
$207,315 Loveland 3441 Foster Pl 12-5 PM Cottage Realty 970-215-0515
From $225,000 Loveland Warberg Farm At Chapman Reservoir
1-3 PM Century 21 Humpal, Ursula Albers
970-231-0548
$235,000 4022 Don Fox Circle 12-2 PM RE/MAX Alliance, Rhonda Heth
970-566-3516
$239,000 Loveland 4496 Hayler Ave 12-5 PM Cottage Realty 970-532-5900
$269,000 Loveland 1506 Farmland Street 11 AM-1PM The Group Inc., Real Estate, John Simmons
970-481-1250
$287,296 Windsor 4607 Pompano Drive 12-5 PM The Group Inc., Real Estate, Kristen Specketer
970-290-8097
$298,664 Loveland 4355 Ridgway Dr 12-5 PM Cottage Realty 970-532-5900
$299,000 Loveland 2892 Ariel Drive 1-3 PM The Group Inc., Real Estate, Georgena Arnett
970-481-9801
$299,900 Loveland 1920 New Hampshire St 12-5 PM Cottage Realty 970-532-5900
$299,900 Loveland 4454 Stump Ave 12-5 PM Cottage Realty 970-532-5900
From the $300’s Loveland 3402 Creede Court 1-3 PM Premier Lifestyle Realty, Cory Roberts
970-215-9913
From the $300’s Loveland 27847 Arikaree Road Contact our realtor for more information
The Group Inc., Real Estate, Jennifer Carpenter
970-231-1407
$335,000 Loveland 2890 Carina Circle 1-3 PM The Group Inc., Real Estate, Georgena Arnett
970-481-9801
$347,900 Loveland 920 Norway Maple 1-3 PM The Group Inc., Real Estate, Rich Gardiner
970-227-0964
From the $400’s Loveland 288 Reservoir Drive, Pittington Ranch
1-4 PM Premier Lifestyle Realty, John Mathey
970-613-4400
Price Location Address Hours Offi ce Phone
$139,900 Loveland 229 Blossom Drive 1-3 PM The Group Inc., Real Estate, Laura Thomas
970-290-7544
From the $140’s Loveland 43rd St & Wilson Ave The Cottages at Enchantment Ridge
12-5 PM Cottage Realty 970-532-5900
From the $150’s Milliken 110 Traders Lane 12-3 PM The Group Inc., Real Estate, Tracy Wilson
970-567-0907
$169,900 Loveland 4403 Elliot Pl. 12-5 PM Cottage Realty 970-215-0515
$178,000 NE Loveland 2445 Oleander 2-4 PM RE/MAX Town & Country, Gary Maggi
970-532-5096
Starting at $195,900 Berthoud Peakview Meadows 11 AM-3 PM Century 21 Humpal, Kurt Albers, Chris Rampone
970-231-1224, 970-430-0845
$199,000 Loveland 260 Carina Circle #106 Contact our realtor for more information
The Group Inc., Real Estate, Jennifer Carpenter
970-231-1407
From the $200’s Loveland 930 Crabapple 12-3 PM Coldwell Banker, Dominic East
970-667-4540
From the 200’s Windsor 241 Saratoga Drive 1-4 PM The Group Inc., Real Estate, Kelli Couch
970-310-8804
$207,315 Loveland 3441 Foster Pl. 12-5 PM Cottage Realty 970-215-0515
$220,000 Loveland 2989 8th St. Southwest 1-3 PM The Group Inc., Real Estate, Cindy Kurtz
970-962-6832
$224,900 Loveland 503 Kathryn Court 1-3 PM The Group Inc., Real Estate, Diana Luthi
970-481-2692
$239,000 Loveland 4496 Hayler Ave. 12-5 PM Cottage Realty 970-532-5900
$287,296 Windsor 4607 Pompano Drive 12-5 PM The Group Inc., Real Estate, Kristen Specketer
970-290-8097
$298,664 Loveland 4355 Ridgway Dr. 12-5 PM Cottage Realty 970-532-5900
$299,000 Loveland 2892 Ariel Drive 1-3 PM The Group Inc., Real Estate, Georgena Arnett
970-481-9801
$299,900 Loveland 1920 New Hampshire St. 12-5 PM Cottage Realty 970-532-5900
$299,900 Loveland 4454 Stump Ave. 12-5 PM Cottage Realty 970-532-5900
From the $300’s Loveland 3402 Creede Court 1-3 PM Premier Lifestyle Realty, Cory Roberts
970-215-9913
From the $300’s Loveland 27847 Arikaree Road Contact our realtor for more information
Maurine Garretson, Coldwell Banker Plains Real Estate
970-396-9577
$335,000 Loveland 2890 Carina Circle 1-3 PM The Group Inc., Real Estate, Georgena Arnett
970-481-9801
$347,900 Loveland 920 Norway Maple 1-3 PM The Group Inc., Real Estate, Rich Gardiner
970-227-0964
$355,000 Loveland 1845 Monarch Circle 1-3 PM The Group Inc., Real Estate, Sally Brent
970-481-2037
$369,963 Fort Collins 1031 Hinsdale Drive 1-4 PM The Group Inc., Real Estate, Keith Huntsman
970-227-2779
From the $400’s Loveland 288 Reservoir Drive, Pittington Ranch
1-4 PM Premier Lifestyle Realty, John Mathey
970-613-4400
$435,900 Windsor 6787 Spanish Bay Drive 1-3 PM The Group Inc., Real Estate, Nancy Maus
970-213-0554
$520,000 Loveland 836 Green Mountain Drive
1-3 PM The Group Inc., Real Estate, Stephanie Soule
970-214-2452
$650,000 Fort Collins 627 Roma Valley Drive 12-3 PM The Group Inc., Real Estate, Keith Huntsman
970-227-2779
From $159,900-$229,000
Loveland 1899 East 11th Street 10 AM-6 PM Midtown Homes, Wayne Lewis
970-456-4600
Saturday Reporter-Herald S eptember 17, 2011 E3
Mortgage rate update
30-year fixed
15-year fixed
5/1 ARM
This week Last week Tre n d
4.18%
3.38%
3.00%
4.18%
3.38%
2.99%
Home & Real Estate isproduced every Saturday by
the Loveland Reporter-Herald.
DISPLAY ADVERTISING970-635-3615
CLASSIFIED ADVERTISING970-635-3650
Regional Snapshot for Loveland/Berthoud Residential
M ay Ju n e Ju ly
Active Listings 1004 973 938Previous Year Active Listings 1117 1101 1092
Sold Listings 126 155 134
Median Sales Price $200,000 $220,000 $208,958Previous Year Median $214,500 $234,000 $238,000
Average Days on the Market 107 121 103Previous Year ADOM 118 121 122
Year to Date Listings Sold 521 676 810Previous Year YTD Listing Sold 559 728 839
no change
credit issues can have a cumulative ef-fect on your credit score. If you are lateon your mortgage payments and thenundertake a short sale, your creditscore might fall 170 points.
You can see the blog post and thecharts for various starting credit scoresat http://bankinganalyticsblog.fico.com/2011/03/r e s e a rc h - l o o k s - a t - h o w -mortgage-delinquen -cies-affect-scores.html.You can also see a chartthere on the number ofyears it may take foryour credit score to re-turn to its current lev-el.
However, at thispoint, credit shouldn’t
be your primary concern. If you’re liv-ing hand-to-mouth, you’re in deeptrouble financially. If you’ve missed onepayment on your loan, your credit his-tory will shortly start to decline. Whatyou need to do is consider stopping allpayments, and shoring up your cash re-serve. You’ll need it.
Please find a good real estate attor-ney who can walk you through this pro-cess and help protect you if you windup in foreclosure.
For more information, callGlink’s radio show at800-972-8255 on Sundaysfrom 9 to 10 a.m., write to RealEstate Matters Syndicate, P.O.Box 366, Glencoe, IL 60022 orvisit www.thinkglink.com.
Real Estate Matters
GLINKFrom Page E1
no change
Open Houses This Weekend - www.thegroupinc.com
FRIDAY - SUNDAY 1:00-4:00241 Saratoga Drive, Windsor Greenspire at Windsor Lake. It’smore than just a home… IT’S A QUALITY OF LIFE! Miles ofbike trails, open space & parks. Personalize your homefrom framing to finish! Extraordinary floor plans – Ranch &2-Story. Lots available on Windsor Lake! Visit our Sales Centerat 690 Moonglow Dr or call for a personalized showing today!
Homes Starting in the $200,000s!MLS# 647386
Call Kelli Couch970-310-8804
SUNDAY 1:00-3:00229 Blossom Drive, Loveland Nice ranch style home with 2bedrooms, living room and family room with wood-burningstove. 2 room air conditioners. 2 car garage. Covered patio. Nearschools and parks.
$139,900MLS# 661254
Call Laura Thomas290-7544
SATURDAY 1:30-3:30466 and 468 W 5th Street, Loveland Unique property with 2dwellings in downtown Loveland. Main home has 3 bdrms, 1.5baths, re-circulating FP & hardwood floors in living room, hall& 1 bdrm. Cheerful country kitchen. Main floor laundry. Somenew windows, newer roof & vinyl siding. Detached rental w/1bdrm, living room, kitchen, bath & separate parking.
$175,000MLS# 665337
Call John Simmons481-1250
FRIDAY - SUNDAY 1:00-3:002890 Carina Circle, Loveland Colorado Craftsman style home.Finishes include hardwood floors, designer tile, slab granite,alder trim & doors and shaker style alder cabinetry. 12’ ceilingsin great room w/wood beams. SS appliances, gas fireplace andcustom built-ins. Fully landscaped. Close to I-25, Centerra andthe Medical Center of the Rockies.
$335,000MLS# 662119
Call Georgena Arnett481-9801
NEW HOMES BUILT BY WINDMILLS, LLC
FRIDAY - SUNDAY 1:00-3:002892 Ariel Drive, Loveland Colorado Craftsman style homequality built by Oak Valley Homes. Kitchen features a largeisland and shaker style alder cabinetry. Ranch style home withopen floor plan backs to open space. Beautiful finishes includehardwood floors, designer tile & slab granite. Full, unfinishedbasement. Fully landscaped yard.
$299,000MLS# 662114
Call Georgena Arnett481-9801
SUNDAY 1:00-4:001031 Hinsdale Drive, Fort Collins 6 Bdrm, 4 Bath 2-storyw/4021 total sf. Loaded w/upgrades and features. Open floorplan, granite counters, new carpet & hardwood flooring.5-Piecemaster bath, 2 water heaters, full finished basement & more!
$369,963MLS# 663036
Call Keith Huntsman227-2779
NEW CONSTRUCTION
PRICE REDUCED!
SUNDAY 1:00-3:00836 Green Mountain Drive, Loveland New carpet and stainlessrefrigerator. New exterior paint. Andersen windows, doublewrap-around decks. Master suite with in-floor hot tub. Rec roomlarge enough for pool table or 5th bedroom. Spectacular views ofPinewood Lake, snow-capped mountains and the evening lightsof the plains. Close to hiking, biking & fishing.
$520,000MLS# 635935
Call Stephanie Soule214-2452
SUNDAY 1:00-3:001845 Monarch Circle, Loveland The “Discovery House”.Highest energy ranking ever given by Built Green Colorado.Radiant floor heating in basement, awnings and metal roof withsolar water heating panels. New SS appliances, custom concretecounter tops, indoor and outdoor fireplaces and “living” fence oncorner lot. Pre-inspected. 1 Year Home Warranty.
$355,000MLS# 656830
Call Sally Brent481-2037
SUNDAY 12:00-3:00627 Roma Valley Dr, Fort Collins 5 Bdrm, 5 bath 2-story w/5461total sf. Open floor plan, gourmet kitchen, all bedrooms haveprivate bath, main floor study, full finished walkout basementand backs to Fossil Creek open space.
$650,000MLS# 656565
Call Keith Huntsman227-2779
SATURDAY & SUNDAY 12:00-3:00110 Traders Lane, Milliken Pick your own fixtures, carpet &colors. Wonderful ranch style & 2-story home plans to choosefrom. Your choice of 3 great subdivision to live in – SettlersVillage – Colony Point or Centennial Farms. VALUE YOU CANSEE… QUALITY YOU CAN COUNT ON with a WINDMILLS HOME.Visit us at 110 Traders Lane in Settlers Village.
Prices starting in the $150’sMLS#
Call Tracy Wilson567-0907
NEW CONSTRUCTION
SUNDAY 1:00-3:00503 Kathryn Court, Loveland Nice-sized corner lot. Well-maintained tri-level has 3 bedrooms + study & 3 baths. Kitchenw/oak cabinets & pantry. Gas fireplace in rec room. Masterbedroom offers it’s own bath & walk-in closet. Private fencedbackyard, shaded patio, sprinkler system, RV parking & storageshed. Blue Ribbon Warranty included!
$224,900MLS# 660849
Call Diana Luthi481-2692
SATURDAY 11:00-1:001506 Farmland Street, Loveland Beautiful universal ranchstyle home in Taft Farms. Open floor plan with great room,breakfast bar, and large kitchen. 36” doorways & hallways, ADAcompliant baths (can convert to normal bath), low rise showerstall, high rise toilets, roll-under sinks. Basement level withcaregiver/guest suite. Covered deck & entry.
$269,000MLS# 644880
Call John Simmons481-1250
SATURDAY & SUNDAY 12:00-5:004607 Pompano Drive, Windsor 3 bedroom, 3 bath ranch with3-car garage. Loads of upgrades, backs to open space! Allof our homes are energy-efficient on oversized lots! Visit ourmodels for other plans available starting at $239,900.
$287,296MLS# 661199
Call Kristen Specketer290-8097
NEW CONSTRUCTION
NEW CONSTRUCTION
SATURDAY & SUNDAY 1:00-3:00920 Norway Maple, Loveland New custom home by TroendlyConstruction. Ranch w/2 bedrooms & den on main level. Bdrm,bath & family room finished in basement. Tandem 3 car garage.Nice finishes included granite, Alder cabinets & stainless steelappliances. Fully landscaped w/auto sprinklers. Move in ready -see this lovely home today.
$347,900MLS# 654230
Call Rich Gardiner227-0964
MOVE-IN READY
$435,900MLS# 660692
Call Nancy Maus213-0554
SUNDAY 1:00-3:006787 Spanish Bay Drive, Windsor Classy patio home has 2master suites. Main floor office. Formal dining room. Concretecountertops, SS appliances & huge walk-in pantry. 3rd bdrm,bath, family room & lots of unfinished area in basement.Entertainment center is included. Enjoy the view across HighlandMeadows Golf Course!
AN EXCLUSIVE SERVICE OFTHE GROUP, INC. REAL ESTATE
Northern ColoradoReal Estate Source
The Real Estate Source is a magazine produced byThe Group featuring homes for sale and new home
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Northern Colorado
Real Estate Sourcew w w . t h e g r o u p i n c . c o m
NEW LISTING
SUNDAY 1:00-3:002989 8th Street SW, Loveland Large master on the main level.Large upper level bedrooms and loft as well. Cozy main levelfamily room and living room. Vaulted ceilings. Fireplace in livingroom. Private yard with relaxing deck and mature landscaping.New roof in 2011. Potential for RV/boat parking.
$220,000MLS# 660250
Call Cindy Kurtz962-6832
PRICE REDUCED
NEWNEWNORTHERNNORTHERNCOLORADOCOLORADO
HOMESHOMESMegan Wachtman
8z Real EstateBroker/Owner
970-217-7977www.MeganWachtman.8z.com
www.cohomefinder.comA better way to buy and sell a home in Colorado!
Priced from $270K
www.CosBuilders.com
Priced from $210K
New Construction
17-326536
• $3,000 BUYER CREDIT
MONTHLY PAYMENTS
• STARTING AT $999• OVER 10 MODELS
• CONNECTED TO CITY TRAIL
GREAT VALUE
GREAT COMMUNITY
GREAT LOCATION
NEW HOMES
FROM
$159,900 - $229,900
Sales Office Open 10-6 Daily1899 East 11th Street, Loveland, CO 80537
Phone: (970) [email protected]
FHAApproved Community
Loveland, Colorado
E4 Saturday Reporter-Herald S eptember 17, 2 0 1 1
Real Estate Transactions aresupplied by Prospects UnlimitedInc., 1151 Eagle Drive No. 467,Loveland, CO 80537, 667-1537.
L oveland• Scott & Phyllis Laidig
from Bobby Brake, 1440 Glo-ria Ct, Loveland, $203,500,home
• Brian Steckelberg fromBrian Johnson, 2202 CameoAve, Loveland, $225,000,home
• Jerry & Catherine Hofrom David Richert, 3110Birch Dr, Loveland, $185,000,home
• Jeremiah & JenniferWarner from WDA HoldingsLLC, 628 W 1st St, Loveland,$140,000, home
• William & Joni Myers fromSheri Armendariz, 1040 Wiste-ria Dr, Loveland, $268,000,home
• Steven Swayze from DavidBall, 4730 Georgetown Dr,Loveland, $376,300, home
• Kent & Shirley Eubanksfrom Custom Onsite Inc, 3405Peruvian Torch Dr, Loveland,$332,200, home
• Charles & Donna Johnsonfrom Fannie Mae, 3518 Ca-pulin Dr, Loveland, $188,500,home
• Dana Steiner from Con-stance Gibson, 2002 JamesDr, Loveland, $195,000, home
• Jessica & Robin Katzerfrom James Hawley, 5105Edgewood Ct, Loveland,$171,000, home
• Sandra Minks from AnneLehndorf, 913 21st St Sw,Loveland, $128,500, home
• Stephanie Schilling fromLoveland Habitat For Humani-ty, 2086 E 11th St, Loveland,$165,000, home
• Barry & Laurie Bosleyfrom Gerilyn Mitchell, 13144th St Se, Loveland, $168,000,home
• John & Pilar Bakovichfrom Mountain High HomeBuilder Inc, 835 Norway MapleDr, Loveland, $407,500, home
• Laisvidas Kisielius fromMark Osier, 1119 S Del NorteDr, Loveland, $166,000, home
• Scott & Lisa Whittakerfrom Jennifer Quade, 4054Cripple Creek Dr, Loveland,$220,000, home
• Nina & Gilbert Johnsonfrom Clifford Robson, 4480Walden Ave, Loveland,$248,000, home
• Kara Gan from WayneScarbrough, 3083 Ivy Dr, Love-land, $244,900, home
• Shane & Mercedes Wind-sheimer from Wade Tabor, 337W 9th St, Loveland, $145,000,home
• Dean & Crystal Dekreyfrom Windmill Properties # 2LLC, 4749 Lucille Ct, Love-land, $279,000, home
• Noah Roberts from MarieBrehm-Campbell, 469 W 9thSt, Loveland, $205,000, home
• Jack & Deborah Doyelfrom Michael Burke, 1230Flowering Almond Dr, Love-land, $312,000, home
• Troy White from DonaldHahn, 405 Edgewood Dr, Love-
land, $159,500, home• Stephen & Mary Baran
from Hershman Living Trust,2875 Sw Bridalwreath Pl,Loveland, $155,000, home
• Resident from BarbaraJohnson, 3585 Leopard St,Loveland, $218,200, home
• Dean & Sherry Warrenfrom Bart Overturf, 5717Snow Mesa Ct, Loveland,$215,900, home
• Catherine Stover fromMichael Perkins, 415 W 3rd St,Loveland, $110,000, home
• Lora Elkins from ChrisPoore, 1245 Baretta Dr, Love-land, $177,000, home
• Melvin & Ann Cook fromJanet Rittenhouse, 659 Radi-ant Dr, Loveland, $172,500,home
• Christopher Ricciardifrom Billi Sorensen, 1984Dove Creek Cir, Loveland,$156,000, home
• Thomas Dimauro fromJesse Southard, 4745 HahnsPeak Dr Unit 204, Loveland,$128,700, condo
• Wade & Christine Taborfrom David Sullivan, 1946White Ibis Ct, Loveland,$240,000, home
• Daniel & Terri Pecora fromFernando Zayas, 1943 SedonaHills Dr, Loveland, $490,000,home
Berthoud• Michelle Normoyledietz
from Berthoud InvestmentsLllp, 835 Gentlewind Way,Berthoud, $157,500, home
• Derek & Emmy Inghamfrom Jerrold Judd, 215 EMichigan Ave, Berthoud,$238,000, home
• Daniel & Marsha Oconnellfrom Homesales Inc, 408 WarkAve, Berthoud, $105,000,home
Estes Park• Michael & Patricia
Aldridge from Phil Mclain, 228Pinyon Trl, Estes Park,$529,000, home
• Stephen Tyman from WellsFargo Bank, 2421 Arapaho Rd,Estes Park, $298,000, home
• Carolyn Mcendaffer fromTomOrtmeier, 1861 Raven AveUnit F3, Estes Park, $225,000,condo
• Ronald & Lori Willis fromRobert Sheldon, 252 MountainView Ln, Estes Park, $340,000,home
Johnstown• Shane & Hillary Kluge
from BK New York Mellon,2519 Rouen Ln, Johnstown,$205,000, home
• Brett Fruehan from LincoEnterprises LLC, 462 CastlePines Ave, Johnstown,$194,000, home
• John Putnam from RylandGroup Inc, 2732 AylesburyWay, Johnstown, $276,400,home
• David & Cynthia Krugerfrom Ryland Group Inc, 2736White Wing Rd, Johnstown,$271,000, home
• Marsha Post from JohnBurrow, 2007 Crestview Dr,Johnstown, $320,000, home
• John & Andrea Burrowfrom Daryl Land, 38 SaxonyRd, Johnstown, $238,500,home
M i l l i ke n• Scott & Kristina Knock
from Ralph Bier, 403 MeganLn, Milliken, $189,700, home
• Brian Swanson from Fan-nie Mae, 2175 Settlers Dr, Mil-liken, $134,000, home
• Fred Ohrn from DanielGrossman, 2363 Carriage Dr,Milliken, $145,700, home
• Anna Kicera from WellsFargo Bk, 2791 Prairie Dr, Mil-liken, $150,200, home
Windsor• Charles Kurtz from Steffen
Essen, 520 Elm St, Windsor,$158,000, home
• James & Mary Roppo fromHartford Homes Inc, 7131Crystal Downs Dr, Windsor,$405,000, home
• Brianna Lafferty fromHomesales Inc, 617 BlueMountain Ct, Windsor,$195,000, home
H& Real Estate TransactionsRE Welcome HomeCindy Kurtz Broker Associate/Partner970.962.6832 m [email protected] www.Cindy-Kurtz.com
5401 Stone Creek Circle, Loveland, CO 80538970.613.0700 www.thegroupinc.com
660 Mt Massive, Berthoud, CO 80513Beautiful home located in a quiet desirable neighborhood. Threebedroom, two bath, with builder finishes. Hardwood floors in kitchen,panel oak cabinets, and covered porch. Unfinished basement offeringroom to grow. Spacious back yard with excellent views. This is a mustsee! $220,000 MLS#664809
1351 E. 19th Street, Loveland, CO 80538Ranch style home with no HOA. Immaculate, open floor plan with fullfinished basement. Vaulted ceilings on main level and 9’ ceilings inbasement. Antique clawfoot tub, walk-in pantry, trex deck, RV parking,vinyl fencing, wet bar, pool table and a 1,086 sqft garage. Only blocksfrom McKee Medical Center, parks and bike trails. $350,000 MLS#665091
935-937 Douglas Avenue, Loveland, CO 80537All brick duplex that backs to park. Open floor plan with 2 largebedrooms, updated baths and a large eat-in kitchen. Both sides arecurrently rented and have good rental histories. Each side has separateback yards. $179,500 MLS#652253
5008 Saint Andrews Drive, Loveland, CO 80537Don’t miss your chance at one of the last lots on Loveland’s prestigiousMariana Butte Golf Course. This lot backs to the 9th fairway. Enjoy greatmountain views as well as abundant wildlife. Bring your own builder.$119,900 MLS# 653295
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viewmore properties at:
Each office independently owned &operated
vvvviiiiieeeeeewwwwwmmmmmmmoooo
750W.Eisenhower Blvd., Loveland669-1234www.HomesInColorado.com
www.1009Shortleaf.comPRICE REDUCED! Step saving ranchin quiet cul-de-sac. Living room fireplaceto stay cozy in the winter. Recreation roomin basement. Walk out onto wooden deck
to enjoy amazing yard withmature trees.$162,500 | MLS #658789Call Nanci Garnand622-1846 | 227-1327www.LivingInLoveland.com
PRICE REDUCEDwww.1432SevenLakes.com
Space and sunshine!! And only steps awayfrom your back door to water. A lot of livin’to do and lots of room for it in this lovely2-story home. Kitchen highlights granite
counters/maple cabinets.$390,000 | MLS #661627Call Nanci Garnand622-1846 | 227-1327www.LivingInLoveland.com
www.505-5thSt.com, BerthoudRoomy updated ranch in Berthoud.Experience the joy of cooking in kitchenwith a large pantry and then relax inthe basement with great home theater.
Amazing shaded patio.$225,000 | MLS #661764Call Nanci Garnand622-1846 | 227-1327www.LivingInBerthoud.com
1866 Monarch Circle, LovelandFantastic opportunity to own a beautifulhome with a separate studio/carriage house!!Studio is currently rented for $565 a month!4 bd/4bath, custom stained patio, tons of
fruit trees. Walking dist toCenterra, easy access to1-25, new hospital.$299,900| MLS #663657Call Rita [email protected]
PRICE REDUCED2629 N Gilpin Ave, Loveland
Like a patio home without HOA.New de-cor paint. 1/2 duplex, 3BR,Master oversizeshower, kitchen door to covered privatepatio. Large backyard, ample storage in
garage. You’ll feel right athome! Newer furnace.$159,900 | MLS #664129Call Jan [email protected]
JUST LISTED4022 Don Fox Circle, LovelandEnjoy maintenance free living near the golfcourse in this 2 bed Patio Home in desirableMariana Butte. Light & bright open floorplan, freshly painted, all appliances remain.From Hwy 34, South on Namaqua, West on
Crestone,West on Golf Vista,North on Don Fox Circle.$235,000Call Rhonda [email protected]
OPEN SATURDAY 12-2
