LONGMONT TIMES-CALL | ARTS & ENTERTAINMENT MAGAZINE | SATURDAY, NOVEMBER 26, 2011 HOME & Real Estate Weekly November 26, 2011 Longmont Times-Call www.TimesCall.com A A U U p p d d a a t t e e M M o o d d e e r r n n Element of contrast transforms living room
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LONGMONT TIMES-CALL | ARTS & ENTERTAINMENT MAGAZINE | SATURDAY, NOVEMBER 26, 2011
HOME & RealEstateWeekly
November 26, 2011
Longmont Times-Call www.TimesCall.com
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Element of contrasttransforms living room
2 Times-Call / Home & Real Estate Weekly November 26, 2011
CANDICE TELLS ALL
Playing with Contrast
Candice OlsonHGTV
One of the best things about living in a big,dynamic city is the amazing architectural diver-sity. In one short block it’s not unusual to see200-year-old Georgian houses sitting besidecontemporary glass-and-steel masterpieces: oldand new contrasting against one another.Contrast is essential to good design, and it is
just as striking indoors as it is outdoors. It’s al-so the principle I chose to transform a coldbasement into a modern space for my clients,Sandra and Bob.The young couple have a lovely 1970s-style
home, but their basement was stuck in a timewarp, dating back to the year ’’ugly.’’ I generallydig retro, but the large room was just passe,complete with a popcorn stucco ceiling, an oldwooden bar and a drafty fireplace. Sandra andBob wanted a contemporary room with cleanlines, but didn’t want it to feel sterile. So I as-sembled my crew and geared up to give themthe ultimate modern — and warm— basementspace.Before I could start designing, there was a lot
of stucco to get rid of, walls to paint in a lightfawn and beautiful dark gray broadloom to in-stall. Dark shades on the floor serve to reallymake light walls seem brighter, in much thesame way that a nice tan can make your teethappear whiter.The couple wanted the room to work as the
ultimate entertainment space, so I mapped outtwo main zones: a lounge/media area and abar/games area. In the lounge area, the fireplace
became my focal point. My contractor did somecreative construction, and built out in front ofthe existing fireplace, concealing everythingunderneath. I then installed a super-stream-lined gas insert, clad it in gray and white stonetiles from floor to ceiling and flanked it withcustom cabinetry.
I then fashioned a sitting area with abisectional sofa in a warm sandy color and acool mirrored coffee table. I decided to usepre-antiqued wood flooring planks on thewall behind the sofa. I then added two amazingpolished chrome sconces for an additional
Contrasting styles, colors and materials energize this entertainment room. (SHNS/Courtesy HGTV)
Continued on 3
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November 26, 2011 Times-Call / Home & Real Estate Weekly 3
touch of contrast.Across from the sectional, I put in two un-
conventional modern wicker chairs and hung astunning chrome-and-crystal chandelier be-tween them for drama. The great thing aboutcontrast is that it doesn’t have to be limited tocolors and patterns. One of the most importanttypes of contrast in modern design is the juxta-position of different materials. Mixing naturalmaterials like wood and stone with manmadeelements like steel and glass helps to create aspace that is modern, but still has warmth.Against the wall opposite to the fireplace, I
put in a big mirror that is flanked with whitebookcases to which I added silver grass clothwallpaper detailing. On one side of this space Icreated a modern bar/games area by ripping outthe room’s old wooden bar and replacing it witha long, plastic laminate counter in light gray,and adding two stainless-steel and black-leather-upholstered barstools. Across from thebar, I put in a gorgeous round games table
sporting a rustic wood top with a contrastingchrome base. French chairs upholstered inblack linen, a wood side table, a metal cabinetand a modern pendant light finished the lookand voila! — instant modernity.
With a few more final accents, the room wasready. By contrasting styles, colors and materialsI created a fabulous entertainment room forSandra and Bob that is contemporary and warm.
Continued from 2
Contrast is the principal choice in transforming a coldbasement into a modern contemporary space.(SHNS/Courtesy HGTV)
FHA streamline refinance willgive borrow a new loan termQ: I read your column re-
garding FHA streamline refi-nancing. There is one glaringmistake. You wrote, “if youhave 25 years left to repayyour loan, you’ll still have 25years — you’ll just pay inter-est at a lower ratefor those years.”This is totally
false; when a per-son does astreamline refi,the new loan is forwhatever the newloan term is,which in most cas-es is a 30-yearmortgage.Speaking of the
FHA streamlinerefinance, did you know thatFHA requires that there mustbe a savings of 5 percent be-tween the old and new loan?They not only count principaland interest but also mort-gage insurance into the equa-tion.Did you know the FHA
changed the mortgage insur-ance requirements and nowthe annual insurance fee is1.15 percent whereas beforethe annual fee was 0.55 per-cent for a long time? Con-sumers who are paying at the0.55 percent rate would needto lower their interest ratesubstantially (2 to 3 percent)
for the new loan to makesense.When FHA changed the
mortgage insurance struc-ture, they hurt many existingborrowers in their ability tostreamline refinance.
A: Thank you foryour comment andfor clarifying the is-sue. You are correctthat a streamline refi-nancing of an FHAwould effectivelygive a borrower anew loan term. Theborrower couldchoose a shorterterm for his or herloan, but the month-ly loan payment
could not go up by much. Thereare various other rules that gointo a streamline refinancing,and for that reason we alwaysrecommend that a borrowertalk to a qualified mortgage bro-ker or mortgage lender.In the specific article that you
commented on, the borrowerhad an interest rate over 5 per-cent. He didn’t indicate howlarge of a loan he had, but, giv-en the information you havesupplied, he might not get a lowenough rate to benefit from refi-nancing his FHA loan. It wouldbe prudent for this borrower toseek the assistance of a qualifiedFHA lender.
Ilyce GlinkTribune Media Services
www.LiveKingsbridge.com
Townhomes
3 bd, 1 bath, 1176 squarefeet. Updated throughout, all
enclosed sun room. Near schools,medical offices, hospital, Sunset
golf course and Sunsetpool. $240,000.
4 bd, 4 baths, built in 2006.Upgraded features, great shopin back for serious carpenter/builder. Quiet street, backsto private open space and
trail. Mead schools, $395,000.Adjacent vacant lot available for
$58,000.
Call Dyer Realty, Inc. • 303-772-3200 • Marvin Dyer
2208 3rd Ave. 916 Spencer St. 220 Eagle Ave, Mead
4 Times-Call / Home & Real Estate Weekly November 26, 2011
YourSource toall thingsHome &Real Estate!
www.TimesCall.com
Gifts for GardenersDespite the old-fashioned
idea that each season shouldmove along at its own pace, un-hurried by the forces of market-ing, my mailbox gets filled withgarden catalogs earlier and ear-lier each year. Following tradi-tion, I rant abouthow the world issurely doomed,and rave that thetilt of the earth’saxis is thrown off,all because thecatalogs arrived inNovember, insteadof January.But there’s
method in theirmadness and aquick glance at theslick, glossy pages had mewhipping up my Christmaswish list in a hurry. If you’reshopping for a gardener thisseason, here are a few sugges-tions for filling them with joy.
Mushroom Garden from Back tothe Roots.Why it’s cool: Turning used
coffee grounds from local coffeeshops into a kit for savory, deli-cious oyster mushrooms, thiskit is for the gardener whowants to stay green year-round.“They’re fun kits, and it onlytakes 10 days to grow them, soit’s instant gratification almost,”says Nikhil Arora who, withAlex Velez, co-founded theOakland, California company.“You don’t need a green thumb,and it’s perfect for growing withkids.” The kit lasts in the box
for months until the gardener isready to grow them, and they’llproduce several crops of fungi.Cost: $19.95Get it: Locally at Whole
Foods, or receive a 10-percentdiscount by ordering online at
If you’re growing veg-etables, chances areyou’ll understandwhy a kitchen gadgetis on a gardener’swish list. For sauces,soups, and pureedperfection, this
strainer pushes vegetablesthrough a stainless steel screen,separating juice and pulp fromseeds, skins, and stems. A musthave for those who spend asmuch time in the kitchen as inthe garden.Cost: $56.95Get it: Cook’s Garden,
cooksgarden.com.
Gift CertificatesWhy it’s cool: Supporting lo-
cal garden centers by givingyour gardener a shopping spreeis always a classic call.
Quick Connect Brass Hose Fit-tingWhy it’s cool: This small gift
will delight anyone who strug-gles with hoses and sprayers.Attach it to the faucet andhooking up hoses is a snap, put
it on the outlet end and swap-ping nozzles for sprinkler headsis a breeze.Cost: $6.99 for set of male
and female.Get it: Hardware stores and
garden centers.
West County Landscape GlovesWhy they’re cool: These
earth-friendly, breathable glovesare a composite of terry clothand spandex made, in part,from recycled plastic water bot-tles. Every pair of gloves con-tains two large plastic waterbottles, recycled into a durablefabric. Kevlar reinforced, sure-grip fingers and pads makethese gloves a perfect fit for gar-
deners tackling tough jobs.Cost: $32Get it: Visit the store locator
at westcountygardener.com/ tofind the store nearest you thatcarries these gloves.
Felco Fruit and Vegetable Har-vesting Shear (F310).Why they’re cool: Italian-
made Felco pruners are a topquality tool for serious garden-ers, even when the task is small:harvesting tender herbs or fruit.These lightweight snips aresmall enough to maneuveraround snarled grapevines toget at the clusters, and fit com-fortably in the hand.Cost: $19.75
Get it: felcostore.com.
Manure Medley
Why it’s cool: If you trulylove your gardener, give thema big bucket of poo. Disturbingas it sounds, a gardener willtreasure this collection of batguano, wormcastings, and fos-silized sea bird droppings. Thethoughtful touch of a bar ofsoap rounds out this unusualassortment, which comes in aone-and-a-half gallon-sizedcanvas bucket. Doubles as agreat gift for bosses, too.
Cost: $22.95
Get it: Pinetree GardenSeeds, superseeds.com.
Carol O’MearaColorado State
University Extension
Diane Stow,ABR, CRS, GRI,SRES, CDPE
BROKER ASSOCIATEDiane’s Direct Line:
303-827-7046Re/Max Traditions, Inc.
2204 18th Avenue(303) 772-3800
VISIT:
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2115 Rangeview Lane2115 Rangeview LaneLight & Bright Custom RanchStyle hm. in the heart of Longmonton a very priv. & low traffic lane.Irrig. water shares make the waterbills for this .46 acre lot veryaffordable. 5 Bed, 3 Bath w/2844+/- tot.sq.ft. Walkout bsmt. Encl.patio. L-shaped Fam/Rec Roomarea w/frplc. Liv/Din Area w/2ndfrplc. eatin kitchen area. Mainflr Master & laun. Impeccably
Maintained.$325,000$325,000
1687 Radcliffe Place1687 Radcliffe PlaceCustom 2 story Hm. w/GREATMTN VIEWS & only one block fromMcIntosh Lake, Parks & Recreation,& popular schools! 5 Bed, 4 Bath& 4889+/-tot.sq.ft. Sought after NWLgmt location close to golf, hospital,shopping & dining! Granite Cntrs in Kit.w/gas cktop & dbl ovens.New int. paint.Marble entry, Spacious mstr w/ lux 5pcbath & Frplc.Walkout bsmt w/ L shaped
Rec Rm. Overszd 3 car garage.$509,000$509,000
2009 W. 3rd Avenue2009 W. 3rd AvenueUnique nd in Longmont! Property isclose in and yet is in the County not theCity. 2 Bed, 1 Bath w/1040+/-tot.sq.ft.cozy small home with a 2-car detachedgarage with an attached shop. Theback parcel is near the walking path.Kitchen appliances and the washerand dryer are included. Easy commuteto Boulder and very near Sunset GolfCourse. Includes one share of Denio
Taylor Old Mill Ditch stock.$264,900$264,900
November 26, 2011 Times-Call / Home & Real Estate Weekly 5
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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, quietneighborhood, meal program,
transportation, utilitiespaid, appliances & cable TV
included,62 yrs & older; vouchers
accepted.
Victoria Inn2400 17th Ave. • 303-772-4667
$749-$899 $250 1, 2 1, 1¾ Yes Yes Yes
In eachapart-ment
A/C, D/W, cable ready, balconyor deck, carport,
outdoor pool, close toshopping & bus stop.
The Shores at McIntosh Lake2450 Airport Rd. • 303-774-8000
$729-$1200
$100$200$300
1,2,& 3 1,2
YesShortTermAvail-able
Yes Yes Yes Yes
Gas fireplaces, 24 hr. fitnesscenter, heated pool & hot tub,A/C, business center, gourmetkitchens, detached garages.
fordable Homes Denver Inc, 7303Woodruff St, Fort Lupton, $165,000,home• Kristen Malek from James Edens,
1252 Denver Ave, Fort Lupton,$118,500, home
Frederick• Michael & Amy Bosica from
Christopher Sutton, 5767 E WetlandsDr, Frederick, $246,300, home
Lyons• Linda & Randy Adler from Home
State Bank, 500 Aspen Dr, Lyons,$320,000, home• Jonathan & Yokaira Lacrosse from
Kristi Brent, 120 Osprey Ln, Lyons,$497,000, home• Craig Ferguson from Federal Home
Loan Mortgage Corp, 1101 5th Ave,Lyons, $345,000, home• Kristi & Stephen Brent from Jason
McGibbon, 115 Eagle Valley Dr, Lyons,$453,000, home
Niwot• Todd & Shelley Kannegieter from
Michael Martinez, 7136 Stable Dr, Ni-wot, $670,000, home
Platteville• Mary Tamez from Thomas Her-
mosillo, 506 Olive Ln, Platteville,$95,000, home
Foreclosures – notice of election anddemand• Borrower: Lebeth Bernal, Lender:
US Bank National Association, Amount:$151,459, Property: 1059 Glen Dale Cir,Dacono, Filed: 11/10/11• Borrower: Patricia Charles, Lender:
Wells Fargo Bank NA, Amount:$80,617, Property: 1072 Glen Dale Cir,Dacono, Filed: 11/15/11• Borrower: Edward & Valerie Mar-
tinez, Lender: Pnc Bank National Asso-ciation, Amount: $245,664, Property:847 Brimble Ct, Erie, Filed: 11/14/11• Borrower: Inez Engelhardt, Lender:
JPMorgan Chase Bank National Associa-tion, Amount: $139,918, Property: 3000Blue Sky Cir 11-303, Erie, Filed:11/14/11• Borrower: Don Huntress Iii & Hele-
na Andersson, Lender: Bank Of AmericaNA, Amount: $752,420, Property: 110Stearman Ct, Erie, Filed: 11/16/11• Borrower: John & Jacqueline
Palmer, Lender: Wells Fargo Bank NA,Amount: $377,635, Property: 2910Steeple Rock Dr, Erie, Filed: 11/16/11• Borrower: Randy & Karie Ficklin,
Lender: Aurora Bank FSB, Amount:$179,998, Property: 573 Berwick Ave,Firestone, Filed: 11/15/11• Borrower: Michael & Shirley Geiss,
Lender: JPMorgan Chase Bank NationalAssociation, Amount: $216,273, Proper-
ty: 5733 Skyline Ave, Frederick, Filed:11/10/11• Borrower: Larry & Mary Forrest,
3129 LAKE PARKWAYCome home and relax inthis cozy patio home in TheShores. Freshly updated!Community pool and tennis.$183,900
1800 IONIC DR. #D,LAFAYETTE2nd floor condo features freshpaint, new carpet & appliances.Perfect starter home,retirement home or investmentproperty. Save money with thisgem! $93,900
142 JACKSONAVE,FIRESTONEGreat bi-level on Old Townneeds some TLC. Discoverthe potential in this homeconveniently located forthe morning commutes.$114,9003750 OAKWOOD DR.Bring the moving trucktoday! New paint and carpetwelcomes you home. Lotsof room to spread out inthis 3BR/3BA townhome inMeadowview. 2 Car attachedgarage. $219,900
8 Times-Call / Home & Real Estate Weekly November 26, 2011
NO lse,dep or credit chkWkly/4-wk, 303-776-2185ALSO RV SITES AVAIL!
TURN USED ITEMS intoQuick cash with Classi-
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SEMI-FURN Rooms/AptsWkly/mnthly from $100/wkUtils/micro/fridge incl(303) 931-7108
6009 Housemates/Roommates
1BR in Clean 2BR HomeStorage, W/D, Yard.Refs Req’d. $575/mo.Call 303-702-0643.
6014 Wantedto Rent
Wanted to Rent inLongmont Area:Parking Space for21 foot Live-in Trailerw/ or w/o Electricity.720-564-0388
6015 Retail Spacefor Lease
2773 SQ FT- Busyshopping center,
1116 Francis St, $825.Alert RE 303-776-5156
6016 Office Spacefor Lease
255 WEAVER PARKCLASS “A” secondfloor office space for
lease or sale. Commonarea, conference room,elevator, mountain views.
1 yr Free Rent!
Don Rulle, CCIM303-772-22221,540 SF Prime 2ndfloor office spacewith great mountainviews in Lafayette.$10/SF + NNN(303)472-2222Keith Kanemoto -Prudential RockyMountain Realtors
2700 sq ft $1250/moCentral location.303-652-3762
3 DowntownBoulder offices for
lease
1007 Pearl Street,553 sf, 1,033 sf,1,812 sf
$20 / sf NNN,Call Doug or Bo at303-443-8850
Qualty Single Offices$350 to $500, freeutils. (720)280-9047
6016 Office Spacefor Lease
PROFESSIONAL OfficesN Lgmt 1400 sf suitew/ 8 offcs. Also 150to 825 sf single ofcs& 3 office suite. Allgrnd level, 2 entr, grtprkg. 303-956-1141
EMPTY YOURGARAGEList your saleand prepareto purge.
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Call303-466-3636 or970-635-3650Or visit
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6017 Indust./Comm’lfor Lease
Dry Storage Start-ing at 8000sf,
$1200 in S. Lngmtoff Ken Pratt Blvd303-472-4542
6018 Storage Spacefor LeaseINDOOR GARAGE &Commercial Storage20x40x16 w/14x14doors start at $325.20x50x16 w/ 30 ampelect, man door &pwr door openerstart at $425.