Home and Real Estate Weekly

HOME & RealEstateWeekly

June 18, 2011

Longmont Times-Call www.HomeandRealEstateWeekly.com

Compare FHA and PMIto find any savings

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StyleDiscover new ways todecorate with old stuff

Protect your turfwith vegetables

2 Times-Call / Home & Real Estate Weekly June 18, 2011

Vegetable gardens can guard turfOn the outskirts of Minneapolis, in a

town called Eden Prairie, a vegetablepatch is growing. This is not an averagekitchen garden; the corn, beans, melonsand tomatoes have a missiongreater than feeding theirgardener. Instead of fillingplates with salad and sidedishes, the plants here serveas canaries in a coal mine,providing early warning forproblems cropping up onnearby grass.

Known as indicatorplants, the vegetables arepart of a holistic approach toturfgrass management on theprofessional practice fields ofthe Minnesota Vikings foot-ball team.

“The public thinks we practice at theMetrodome (in Minneapolis); they don’tknow we have fields,” says Grant Davis-son, Head Sports Turf Manager for theVikings, who play in an indoor stadium.“But we have a lot of activity all year onthis turf, from the end of March throughthe end of the season.”

With higher humidity and rainfall –they receive 30 inches per year – diseaseposes a challenge for managing the210,000 square feet of turfgrass the

Vikings practice on. Leafspot, pythium, pink snowmold and brown patch arechronic problems.

Many high-use sportsfields rely on a combinationof play rotation and pesti-cides, but this facility is nextto a riparian area protectedby law. Because all of therunoff dumps into the wet-land, Davisson is conserva-tive in his turf treatmentsand prefers alternativemeans to controlling prob-

lems. “We don’t want any runoff, and wewant as few applications as possible.”

That’s where the vegetables come in.In a 10-foot wide swath, watermelons,corn, tomatoes and soybeans act as sen-tinels for conditions that spur disease,succumbing to sickness a few days be-fore the problems show up on the turf.

Rooted in the knowledge that disease

outbreaks require the right environmen-tal conditions to thrive, Davisson watch-es his vegetables for signs of oncomingturf problems. “Watermelons get hit bypythium, and though it’s not the samepythium that affects turf, they both needthe exact same conditions,” he says,speaking of the disease that sends chillsthrough turf managers’ spines due to itsrapid destruction.

“It’ll hit the watermelons on the thirdhot, humid day and they’ll get killed, of-ten by July 1. But once it shows up onthe watermelons, I have a day or twolead time to spray the turf.” That’s allthe time he needs to target his controls,knocking the dreaded fungus back be-hind scrimmage lines, keeping it in check.

“Then we get cloudy days and thetomatoes get leaf spot. I’ve tracked it –three to four days later the turf gets leafspot.” Affecting crown, rhizomes androots in addition to leaves, in the heat ofsummer it kills the turf, leaving barespots. “I hate leaf spot. It’s a bigger prob-lem on rye than bluegrass.”

Replicating his plots in full sun andpart shade, Davisson mimics the variable

conditions on his fields, which receivediffering amounts of sunlight. Applica-tions of fertilizer are made at the sametime to keep turf and vegetables even.In addition to watermelon and toma-

toes to watch for pythium and leaf spot,Davisson has corn and soybeans for rust.The peppers and peas are “because I liketo eat them.” Harvested produce goes tocoaches and staff.Following a set schedule for fungi-

cides calls for applications to be madeevery 90 days, and on fields this size,every application can cost $35,000 to$40,000. Through this vegetable system,Davisson has been able to stretch out ap-plications to 142 days between applica-tions, saving money and lowering theimpact on the environment. “It’s easyand most successful to gauge disease,”he says. “And I save two applications peryear. That’s a lot of money.”

Carol O’Meara is a horticulture entomologistwith the Colorado State University Extension of-fice at the Boulder County Fairgrounds in Long-mont. Contact her by calling 303-678-6238 oremailing [email protected]. For moregardening tips, check out her blog at gardeningafterfive.wordpress.com.

Carol O’MearaColorado State

University Extension

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June 18, 2011 Times-Call / Home & Real Estate Weekly 3

News and Press ReleasesHome & Real Estate Weekly welcomes news

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

Summer StairSpecialty Publications Associate Editor

[email protected]

On the CoverFind new ways to decorate with oldaccessories. (Shutterstock)

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.

When you can’t take it with you

By Aliese WillardLongmont Times-Call

Do you have a stash of something?Perhaps it’s a stockpile, or a cache, a col-lection of paraphernalia you can’t bearto part with. Whatever it may be, oftenthe items we can’t be rid of occupy pre-cious space we could use in our homes.Brandon Toohey, manager of Tables to

Teacups in Longmont, says he hasn’tseen the inside of his garage in eightyears.“There’s a little hoarding in all of us,”

he laughs. “It’s the inability to let thingsgo. Everything has a purpose.” A formeraudio engineer, Toohey prefers a cleanand organized home, but says his lovefor antiques has materialized into amountain in his garage. As a flea marketmanager, Toohey’s vast collection is vi-able. But as for the rest of us, it’s neces-sary to find a function for the things wehold onto.Luckily, there are plenty of creative

options for dealing with keepsakes thathave turned into clutter.While items can be given away (see

breakout), the fun and pain-free alterna-tive is to use your beloved belongings aspart of your decorating.

Make a MoveIf you want to keep your cherished

collectibles, professionals agree that ro-tating is key.“If (the things) are super important,

have them spread and displayed aroundthe house for conversation purposes,”says Longmont professional organizerTonya Nauman. “Have the things thatreally matter displayed, so guests willask. Or, rotate. Rearranging is calmingand energizing. You still have all of it,and none of it went away.”MaryAnn Leslie, a professional orga-

nizer and owner of Creative Organizingin Longmont, recommends people puteverything they are not using into orga-nized storage.“If a person has an excess that they

can use, they need to put all of whatthey’re not using at the time in a con-tainer, (sorted) by a certain class or sea-son,” Leslie says. Then, she says, pullout whatever you like later to switch upyour decor.

Multiple Personality PiecesLeslie recommends keeping (or look-

ing) for items that have several func-tions. “Look for containers that aren’tmeant for what they are,” she says.Some of her ideas:• Put pieces of glass on antique

trunks and use them as coffee tables. Si-multaneously, store household necessi-ties, like bedding, inside of them.• Picnic baskets can hold craft items,

or even organize your papers. The bas-kets can be moved easily and for usearound the house.Vicky Boone, owner of the Longmont

store Serendipity, is the queen of multi-ple-use decor. Some of her ideas:• In general, have a theme, and group

together objects and furniture so it’s in-teresting and tells a story.• Store shoes, hats, gloves, keys and

other things you’ll need before you leavethe house in some sort of container byyour front door. She suggests trunks,stacks of vintage suitcases and vintageproduce crates, old flowerpots and evenhatboxes.• Sew squares from old T-shirts and

clothing into quilts.• Similar to Leslie, Boone is a fan of

putting glass on flat objects to turnthem into coffee tables. Arrange oldmagazines, photographs, cards and let-ters (anything flat) into a collage underthe glass.• Attach old plates to candleholders

to create tiered cake stands, which candisplay a variety of items.• An old wine rack holds scarves in

Boone’s store. An accordian wine rack ishandy as a coat rack when nailed to awall.• Old wooden ladders can also lean

on walls and serve as a racks for blan-kets, flowers pots and rugs.• Don’t drop your drawers; instead,

mount wood drawers from a bureau ver-tically on walls as shadowboxes, orstack in corners to hold things.• Make light of small personal effects

by placing them in the candleholders ofchandeliers.• Toohey says he has seen people

grow mini herb gardens in old tea sets.They grow a different herb in each cup,and place the cups on their windowsills.In his own decor, Toohey likes to use

random odds and ends to add variety.“People want things with a personality.They’re tired of having the same thingeveryone else has.”Some of his suggestions:• Decoupage any paper items (use a

Decorating to appeaseyour inner hoarder

Chandelier with antique teacups as candle holders from Serendipity. (Paul Litman/Times-Call)

Rolling pins adorn an old accordionwine rack. Stack of vintage suitcasesthat may be used as shelves orcoffee tables. Antique trunks workgreat as a coffee table. Pictures andmementos store in an old suitcase.(Paul Litman/Times-Call)


Strategies for Structure• Sort and organize items into stacks of similar possessions,then decide what needs to go.• Be realistic about projects. Get rid of materials you won’thave the time or motivation to use.• Every object needs a home. “People don’t know how to storethings, and don’t have good systems in place for finding thingsagain,” says Tonya Nauman, a professional organizer inLongmont. “Create a home for everything and every type ofthing that you have.”• Scrapbook. If you’re not using an item anymore, but want toremember it, both Nauman and MaryAnn Leslie, anotherLongmont professional organizer, recommend taking picturesof it, getting rid of it, then putting the pictures in a scrapbook.“It’s all about simplicity in the home,” Nauman says. “Put(pictures) in a scrapbook, and put the scrapbook on the coffeetable.” That way, it is still easy to see, and a good conversationpiece for guests.• Give things away to help others. Leslie recommendsdonating items to the OUR Center, the Inn Between, the ARCand Disabled American Veterans.• If you’d like compensation, resell your belongings in a yardsale, or to a flea market or antique shop.• Finally, if you’re having a hard time giving something away,tell a friend for moral support. They can also hold youaccountable and make sure you let go of the item(s).

Tips courtesy of MaryAnn Leslie, Tonya Nauman, and Brandon Toohey.

Catherine Wood of Re/Max AllianceEarns Hall of Fame AwardCatherine Wood, with Re/Max Alliance,

has recently been presented with theRe/Max Hall of Fame Award, which honorssuccessful agents who have earned morethan $1 million in commissions during theircareers with the company. In 2010, only 20percent of all Re/Max Affiliates earned thisprestigious award.Wood has been working in the real estate

industry for more than 22 years and has ex-tensive experience in selling homes alongthe Front Range. Among Wood’s achieve-ments are “Most Referred Realtor,” whichshe has won seven times out of the last 15 years.Catherine Wood can be reached at 900 South Main St. Suite 100

in Longmont or by calling 303-651-3939.

Wood

special glue to adhere them to surfaces in an artistic manner).• If your library of literature is too large, make two stacks from

several books, place a slab of finished wood or glass on top, andvoilá, you have a coffee table or shelf.• To enliven furniture without spending money, change it up by

drilling holes in unusual things and attaching them as knobs andhandles. Toohey used two antique revolvers as door knobs.• Boring bathroom? Toohey says a sink basin can be attached to

just about any flat piece of furniture. The piece just needs a holefor plumbing to go through.However, Toohey cautions against sanding down and refinishing

wood furniture. He says it takes the “patina” off – the wood’schemical response to the original stain. “Never take the patina off,”Toohey says. “It takes the character and the story away from thepiece. I’ve had so many people refurbish pieces and lose the coollines and rings in the wood.” Instead, he recommends using a fur-niture restorer on wood, and not stripping it.No matter what you do, be creative, and have fun using what

you have to make your home unique.

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Know risks beforeinvesting in propertyQ: About three years ago, my neighbor moved out and

abandoned her home. Now I find that the house will be auc-tioned off for tax delinquency. The starting bid is very low.I would like to bid on and try to buy this home, and then use

it as a rental property. I know about the laws requiring me towait one year before foreclosing on the owner, but I am un-sure if the house was paid for, or the lender has just decided itwon’t get its money back. (You would think that after threeyears with the house abandoned, the bank would have fore-closed already.)I am real nervous about the whole idea because I have nev-

er invested in real estate before.Do you have any advice or pros and cons I should be think-

ing about? I am planning on purchasing the property and thendoing some repairs to make the house habitable.I have a set amount I put aside to pay for the property and

for repairs, so I’m set financially. I am just worried aboutthings that I don’t know legally that might come back and biteme. Buying and renting this property seems like a win-winproposition, but is there any way someone can come take theproperty and I will lose my money?A: Here’s what happens when you bid on property at a tax sale:

You can purchase the tax delinquency, but you will probably havesome competition. If the bank finds out that the property is beingsold for back taxes, it might jump into the fray and pay the taxesthat are owed.In some parts of the country, when you buy a home for the real

estate taxes that are owed, you don’t get ti-tle to the home. You get the right to startthe process of owning the home, but thecurrent owner of the home has the right toredeem herself and come current with thetaxes. That’s the one-year period you werereferring to. If you somehow made im-provements to the home, you might not getthat money back.Depending on the process in your juris-

diction, the homeowner or the lender cansimply repay the real estate taxes that areowed, with penalties, fines and other costs,and the tax sale would be cancelled.

On the other hand, if the homeowner doesn’t pay and the lenderdecides not to pay either, you, as the tax buyer, have the right towipe the slate clean and become the owner of the home. There arecertain steps you may have to take to make sure that the slate isclean when the final tax deed is issued to you, and for that reasonyou’d better make sure you know the rules in your jurisdiction andknow what you are doing.Why don’t you hire a real estate attorney or an attorney that has

experience in tax sales to walk you through the process for the firsttime?I often recommend that wannabe investors hire a team of people

who can help them achieve their real estate investing goals. You’llwant to chat with a tax preparer (accountant or enrolled agent), acontractor (who can advise you on how much money you’ll haveto spend to get the property into habitable condition), a mortgagelender (if you decide to finance part of the purchase), and a real es-tate attorney to draft up the paperwork and make sure you’re pro-tected. You’ll pay a little bit of money, but will have peace of mindthat you understand what your risks are.

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eekly.com

5 bedroom storage ideasThere may be several square feet of potential bedroom storage

hidden under your nose and your furniture. These five tips willhelp you find space to stylishly store clutter big and small:

1. Stick it under the bedA king-size bed eats up 42 square feet of space. Why should

the dust bunnies have it all to themselves? Store your out-of-sea-son clothes there. Ikea sells sliding-drawer units that fit underbeds, or you can buy storage bins that roll in and out.

2. Maximize your closetBefore you start drawing up plans for your bedroom storage

closet, analyze what you plan to keep there. To figure out whereto install rods, for example, estimate how much space dressesand suits take up versus shirts and jackets.

3. Make it kid-friendlyStashing the bed itself can make a tiny bedroom double as a

nursery by day. It’s in your best interest to make storage fun, at-tractive and easily accessible for your kids.

4. Think verticallyTo avoid extending shelves into the room itself, consider re-

moving some drywall and creating recessed spaces between thestuds. You can add doors to enclose them or install shallow shelfinserts.

5. Create storage accessIf your attic is difficult to access, consider adding another attic

door in one of the bedrooms. Installing a hinged door with adrop-down ladder in a large closet will allow you to tap hiddenbedroom storage as you need it.

– Courtesy Cathleen McCarthy on hgtv.com

Divide alarge yard

By Maureen GilmerScripps Howard News Service

New homeowners can feel lost when confront-ed with a large yard. If money were no problem,you’d hire a designer to create a basic site plan.But if you plan to do it yourself, just think divideand conquer. The design process is simply divid-ing that large space into a number of smallerones that you can more easily understand.Start by thinking conceptually about space –

not plants or even materials. View the space likethe floor plan of your house. It resulted when thearchitect divided the interior space into rooms ofdifferent sizes based on their use. Now look atyour yard and imagine what kind of smaller out-door rooms or spaces you’ll need to spend quali-ty time there with family and friends.Begin by imagining a patio serving as the

kitchen.Indoors, the kitchen is the center of a home’s

activity. The outside version is linked to the backdoor or slider for convenient access. You cansketch this patio space on paper or do it outsideby laying out garden hose or try white flour tomark it on the ground. Make your main patioroomy enough to accommodate the barbecueand a dining table large enough for the entirefamily.The second space is your lawn, which is much

like the family room. Indoors, this room is oftenlocated adjacent to the kitchen. Outdoors, thelawn provides overflow when you have lots ofpeople over. It also lets you keep an eye on thekids while you’re entertaining.

A third space could be like a study or den, on-ly outside it’s a smaller patio that’s private fortime alone or an intimate afternoon with afriend. It should be sheltered and comfortable,sized to allow a chaise lounge or table and atleast two chairs. Separate this space from thelawn so that it remains peaceful when the kidsare outdoors.If space allows, add more practical “rooms”

like a vegetable garden, clothes-drying area, bicy-cle storage, trashcans, play structure or a craftarea. This might include recreational amenitiessuch as a koi pond, spa, home orchard, gazebo orbasketball court.The final step is to connect the spaces. Make

these linking walks as direct as possible. If not,your kids and pets will insist you change it bytrampling their own more convenient route.The best feature of a large yard is more space

for trees. They take time to mature, so plan themfor day one of your project even if you build it inphases.Any other spaces – such as along fence lines

and house walls, or in corners, nooks and cran-nies – are where you can use plants to make abackyard beautiful.Trees and other plants do a lot more than just

look good. They absorb city noise and offershade, shelter and color. All that greenery releas-es oxygen into the air.Lack money for a designer? Use what you

know about the way your house is divided insideto get started outside. Apply these same conceptsto divide and conquer that large yard.

A designer helps homeowners carve outoutdoor living space and overcome thetendency to fill space with a lawn.(SHNS/Courtesy Maureen Gilmer)

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303-827-7046Re/Max Traditions, Inc.2204 18th Avenue(303) 772-3800

VISIT:

TO SEE ALL OF DIANE’S LISTINGSWith Detailed Information, Multiple Photos & Virtual Tours,

For Further Details Of These Listings And:

www . d i a n e s t ow . c omwww . d i a n e s t ow . c omEmail: [email protected]

Experience Isn’t Expensive...It’s Priceless

The

Team

9427 Memory Lane9427 Memory LaneSPECTACULARLAKEFRONTESTATEw/ MTN VIEWS! Truly a one-of-a-kindBoulder County retreat. 8457+/- tot.sq.ft.New Main flr. carpet in 2011. 4Bedrms/7Baths. Gorgeous custom home.Incredible Chef’s kitchen & expansiveliving spaces. Indoor &Outdoor entertain.areas , 22X46 ft. inground pool, hot tub,lg.patio,covered boat dock, 318 ft. beachfront. 6+ car att. & 6 car det. garages.

w/RV parking. On 2.2 acres.

$2,250,000$2,250,000

260 3rd Avenue260 3rd AvenueLovely ranch style Bungalow in theheart of Old Town Niwot. This hm.nicely updated & features newerkitchen cabinetry, appliances, flooringthroughout home, lighting fixtures,paint, extensive bathroom updatesincluding jetted tub & separate showerin mstr. bathrm, ceiling fans, centralA/C. Vinyl clad windows. Lovely deckw/retractable remote controlled awning.,low maint. yard, vinyl siding. Oversized

garage w/opener. Storage bldgs.$392,500$392,500

3425 Lakeview Circle3425 Lakeview CirclePride of ownership abounds in thisone-owner quad level home with lakeviews in NW Longmont. Less than ablock from McIntosh Lake & its over 3miles of walking trails.Near Twin PeaksGolf Course, lighted tennis courts, Cityparks & playgrounds. Features includenewer carpeting, tile, roof, furnace, CentA/C, appliances &more. Enjoy Beautifulbkyd. w/mature trees from the pleasantscreened in patio.Very open floor plan

from eatin kitchen to fam rm.$285,000$285,000


www.HomeandRealEstateWeekly.com

Check out theTimes-Call’s completehome search online

Compare FHA to PMIto find any savingsBy Polyana Da Costabankrate.com

You may have heard that FHA loans can be agreat mortgage option because they offer lowerinterest rates and are easier to qualify for.But easiest doesn’t always equal cheaper or

better.Because they are insured by the Federal Hous-

ing Administration, FHA mortgages allow downpayments as low as 3.5 percent and have lessstringent underwriting guidelines than conven-tional loans.But they come at a price sometimes signifi-

cantly higher than that of a conventional loan.“It seems like FHA is really close to a sub-

prime loan,” says Kristen Martinez, president ofAssai Funding in La Quinta, Calif.That doesn’t mean you should stay away from

them, Martinez says. They can be a great oppor-tunity for many potential homebuyers, but youhave to make an informed decision.If you don’t have at least 5 percent for a down

payment or if your credit score is not highenough to qualify for a conventional loan, anFHA loan may work for you.Unlike with conventional loans, FHA allows

you to receive your down payment money as agift from a relative. In conventional loans, youmust demonstrate that at least 5 percent camefrom your own savings.Those who went through bankruptcy or fore-

closure between two and five years ago may ben-efit from an FHA loan, says Jack Guttentag, a fi-nance professor emeritus at the University ofPennsylvania’s Wharton School. Conventionalloans require a five-year wait, he says.In general, you should stick with a conven-

tional loan if you have a credit score above 720and can put down 20 percent on a home, saysMatt Hackett, underwriting manager at EquityNow, a direct mortgage lender in New York City.To decide whether an FHA or conventional

loan is better, compare the numbers, saysMichael Moskowitz, Equity Now’s president.Your mortgage broker or loan officer should

be able to give you a detailed comparison of anFHA loan versus a conventional loan, includingupfront fees, mortgage insurance costs andmonthly payment estimates.On the surface, FHA interest rates may seem

slightly lower than those of conventional loans,but they can end up being more expensive.That’s because mortgage insurance costs are in-cluded in the borrower’s monthly mortgage pay-ments. Loans with less than 20 percent downgenerally have to carry mortgage insurance, butthe insurance on FHA loans is more expensivethan on conventional loans. In addition, FHAborrowers are charged an upfront fee of 1 per-cent of the total loan amount, often added to thetotal amount borrowed.For instance, say you found a $220,000 house,

could make a 10 percent down payment andwanted a $198,000, 30-year fixed mortgage. Thefollowing calculation was based on May interestrates of about 4.5 percent with an FHA loan and4.875 percent with a conventional loan.

The FindingsAn FHA-insured loan, with a 1 percent up-

front premium, would total $199,980. Monthlyprincipal and interest would cost $1,013 andmonthly mortgage insurance would run another$182, for a total of $1,195. – A conventional loanwith PMI would total $198,000. Monthly princi-pal and interest would cost $1,048 and monthlymortgage insurance would run another $102, fora total of $1,150.Some brokers or lenders have promoted FHA

loans for different reasons.“There was a concern that people were steer-

ing borrowers into FHA loans because they weremaking more on them— but in many cases FHAwas the wrong way to go for the borrower. Butthat shouldn’t be happening anymore,”Moskowitz says, noting that new regulations onhow brokers get paid went into effect in April.Some brokers may try to persuade a borrower

to opt for an FHA loan simply out of ignorance,Moskowitz says.“If you go to an FHA shop and that’s all they

do, most likely that’s what they’ll offer you be-cause that’s what they know.”Since subprime loans evaporated and the

housing market crashed, more lenders have beenapproved to offer FHA loans. FHA’s market sharehas increased from about 5 percent before thecrisis in 2006 to about 30 percent.“Everyone is doing FHA these days,”

Moskowitz says. “But that doesn’t mean they arefor everyone.”

Decorating with geometricsStart SmallLittle flourishes go a long way when it comesto geometric shapes. Use bold prints in smalldoses, such as throw pillows for your sofa, a ge-ometric carpet or on the cushion of a side chair.

Keep Your BalanceA common trick of the trade is to juxtaposemodern shapes with more classic ones.

Color-CoordinateDesigners agree that color is critical when in-corporating geometric prints into your decor.Their best advice: choose one that weavesthrough all of the patterns in a room.

Show Your Soft SideTo ensure your patterns don’t become tooharsh or rigid, remember to add patterns withcurves, such as concentric circles or waves.

– Courtesy hgtv.com

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Design witha focus

I just adore jewelry – and it’s notabout the bling.OK, it’s a little bit about the bling, but

what I love most is how a gorgeouspiece of jewelry brings focus to an entireensemble. And good design does thesame thing. When a room has the rightfocal point, it draws you in. Whenit’s missing, the whole room lacks pres-ence.My clients, Orla and Brian, had exact-

ly that problem. The young couple hadrecently moved into their first home to-gether and their open-concept liv-ing/dining room lacked any suitable fo-cus. With plain white walls and an awk-ward blend of “his and hers” furniture,the space had no real character.The couple really wanted a place

where they could feel at home and en-tertain family and friends. So I geared upand, using focal-point design, took theirliving/dining room from blank slate tobold space.My big challenges were to create

zones in their open-concept space, addmore seating and find a way to blend thecouple’s styles. When designing a multi-purpose space, each zone should haveone main focal point to anchor it. In theliving room, I built a beautiful framed-inbanquette against the sidewall that notonly provides some much-needed seat-ing, but also visually grounds the space.To create the banquette, I designed a

full wall frame, flanked it with low,white bookcases and installed a warmcharcoal upholstered bench cushion.But what really makes the focal state-ment here is the banquette’scustom black-leather quiltedbackrest that soars frombench to ceiling. Suspendedfrom the ceiling, at the top ofthe backrest is the new tele-vision screen, which visuallyblends in against the blackbackground of the seatingniche and doesn’t deter fromthe focus.

This banquette also servesto ground a new seating areaconsisting of a warm beigesofa, two teal armchairs, two mirroredcube tables and a creamy area rug. Andsince the room has no closet, I intro-duced a stunning piece of reclaimedwood cabinetry to help hide and orga-nize any clutter.

In the dining room, I chose the backwall as my focal point. As with theblack-leather banquette, a great way tocreate focus is with color, so I painted

this wall black, which uni-fies the two zones and makesa verydramatic statement. I alsoincluded an elevated electricfireplace in my designfor added visual interest.

I then took the couple’sexisting dark wood dining-room table and had it paint-ed a crisp, fresh white andadded six armless chairs thatI had upholstered in a coolslate color. Over the table I

positioned a stunning pendant chande-lier. I also placed mirrored sconces oneither side of the dining-room windowsand two dramatic torch lights flankingthe banquette in the living room – all inthe same nickel finish.

To unify the two spaces even more, Iused similar window treatments in bothrooms: drapes in a floral fabric of gray,tan, brown and teal. I then added a rus-tic woven wooden blind in the livingroom and a lattice roller blind in thedining room.

Using focal-point design, I was able toturn a bland open space into two excit-ing and harmonious living and diningareas. The focal points now draw you inand take you on an exciting journey asyou move through the now-elegant and-comfortable zones. This once-blandspace is now defined, grounded and theideal place for Orla and Brian to focuson building a life together.

Interior decorator Candice Olson is host ofHGTV’s “Candice Tells All.” For more ideas, in-formation and show times visit http://www.hgtv.com/candice-tells-all/show/index.html.

Candice OlsonHGTV

A banquette's quilted black-leather backrestgives a focal point to an open design.

(SHNS/HGTV)

www.LiveKingsbridge.com

Townhomes


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

Foreclosures – notice of election anddemand

• Borrower: Carol & John Lijoi,Lender: Guild Mortgage Company,

Amount: $295,517, Property: 2152Alpine Dr, Erie, Filed: 05/10/11

• Borrower: Wade Heussmann,Lender: Deutsche Bank National TrustCompany, Amount: $262,767, Property:525 McClure Ave, Firestone, Filed:05/05/11

• Borrower: George & Melody Kane-ta, Lender: HSBC Bank USA NationalAssociation, Amount: $219,984, Proper-ty: 10288 Dover St, Firestone, Filed:05/10/11

• Borrower: James & Juanita Silva,Lender: BAC Home Loans Servicing LP,

Amount: $193,163, Property: 6177 Uti-ca Ct, Firestone, Filed: 05/10/11

• Borrower: Charles & Nina Pecoraro,Lender: BAC Home Loans Servicing LP,Amount: $270,471, Property: 10377Booth Dr, Firestone, Filed: 05/09/11

AllowSmoking?

Lease

Required

#of

Baths

#of

Bedroom

s

Deposit

PriceRange

Pets

Washer/Dryer

Facilities

Wa sher/Dr yer

Hook-ups

Other

Amenities

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

Hover Manor Senior Apartment Resi-dence

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

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

TV included,62 yrs & older; vouchers accepted.

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

$749-$899 $250 1, 2 1, 1¾ Yes Yes YesIn each

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

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

www.utecreekapts.com

Starting at$825 $125 1, 2 1, 2 Yes Yes Yes

Full SIzein each

apartmentYes

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

pool & spa, 24-hour fitness, garages. Close toshopping.

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

$729-$1200$100$200$300

1,2,& 3 1,2Yes

Short TermAvailable

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

detached garages.*On selected apartments.

Cloverbasin Village630 Peck Dr. • 888-837-4912

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

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

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

included.

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

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

Short TermAvailable

Yes Yes Yes YesIsland kitchens, garden tubs, gas fireplaces,double balconies, two tone paint, gated com-munity. Close to schools & newest community in

Longmont.

Tanglewood CondominiumsSenior Community

100 21st Ave., Longmont, CO 80501 • 303-774-0300$1240-1625 $1240-1625 1, 2 1, 2 Yes Some Yes

$50+ mo.

Full sizein eachcondo

W/Dprovidedin eachCondo

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

incentives! Parking garage & storage units

Com

plex

Nam

e

Address

Phone

Longmont,CO

1566894


5000 Homesfor Sale 5000 Homes

for Sale

4770 BusinessesFor Sale

Curves for SaleEstablished franchise(7+ years) in Old TownErie, $25K/offer303-828-3270

5000 Homesfor Sale

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

Classified Ads getResults very, very fast!

$393,000 SingleFamily Home in NW

Bldr, walk to Wonder-land Lake! Built in ’96,3BR, 2.5BA, newly re-

modeled, bamboofloors, granite coun-ters, SS appliances,foothills views, nice

deck & patio.Owner: 303-444-8405

See pics @MLS #641977

Handyman’s 4 bdrm,2 ba, grt area. was$209K now $169K,

Berthoud.701-729-7772

Work where you live!40x60 shop (heated &insulated)+325sf of-fice +3BR house only$250,000K LovelandPoss OC 719-433-5095

5000 Homesfor Sale

Ranch/ 2 CarGarage

New kitchencabinets, counters,appliances, W/D.

Large master bdrm.with walk-in closet.

Great yard, nearClark CentennialPark. $144,271.CAll for Details

PLACE YOUR AD.Call 303.466.3636or 970-635-3650

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

5007 Mobile HomeFor Sale

’03 16x80 Mobile Home,All appli., a/c, lg shed,exc cond, in Berthoud,

lot rent $300 incl.water & garbage.

$28,500 Call303-772-4324 or

970-231-4289

BUYING & SELLINGAll types & sizes ofmobile homes!

Judy 970-690-3283For Sale or Lease

3 BDRM, 2 BA doublewide, Buy for $45K, ,

rent for $1000/mo,end lot in family park.

303-772-3240

5007 Mobile HomeFor Sale

BrandNew

Home!!$69,900

Beautiful 3 bed2 bath lot rent

special!Swimming poolClubhousePlaygroundNew fitness room

Financing availablePet Friendly

Sun Homes atEagle Crest

1-888-649-56164eaglecrest.com

*Expires 7/31/11

I WILL MOVE YOURHOME FOR FREE!

LOT RENTSTARTING@ $199250+ communities to

choose from.Offer expires 6/25/2011

970-377-0990

NEW MOBILE HOMESAROUND $799 MONTHPayment incl. lot rentUsed singles/doubles

starting @$595Great locations!

Quick Easy Credit970-420-8488

5015 Lots& Tracts

2 ACRE Building Site inRainbow Lake

Estates, Berthoud.HUGE price

reduction! $79,000Steve Conder303-514-3706

Build Your Home on1/2 acre lot, W. Fred-

erick. RV friendly,$63K/best offer.303-257-3586

5201 WaterRights

1/2 share Palmertonwater for sale.541-856-3779

6000 Homesfor Rent

1217 Lincoln St. Immacu-late 3BR, 2BA, spaciousranch home, beautifulhw flrs & tile upgradedappls in kit., w/d hk-up,frplc in fam rm, 3 car,3rd bay could be officew/ skylight sorry NP$1195/mo 303-530-7149

1 5 2 5 P e t e r s o n P l .(NW Longmont) Spar-k l i n g c l e a n b r i c kr a n c h 3 B R , 2 B A ,2200sqft, quiet cul-de-sac,l i v i n g r o o m w /bay window, gas frplcin family room , sunroom, off ice/play/ex-ercise room & stor-age in basement, pri-vate shady deck inback ya rd , 2 ca r ,fenced, pet consid-ered. $1750/mo Show-ings & available 6/18.303-776-1000

6000 Homesfor Rent

1 BDRM IN OLD TOWNRoom for garden,

extra storage/shop.Avail 7/1. Pet? $725.

(303)678-73841 -RENT TO OWN!3 bdrm, 2 ba, A/C,W/D, $1395/mo.

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

2, 3, 4 Bedroom Homes2245 Whistler Dr,

154 Grant St,1617 Alpine St,453 Verdant Cir,504 St Andrews,

1100 KansasCall PMP

303-776-RENT

23 TELLURIDE PL5 bdrm, 2 ba, frpl, 2car, large fncd yd.$1350. Pets nego.

Avail June 1st.Pennant Inv.

(303)447-89884128 Frederick Circle5BR, 4BA 3840sq ft

3 Car Garage, No Pets$2600/monthRMG Realty

303-772-4466

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

$99 Move-in Special4BR, 3BA, located inC e n t r a l F i r e s t o n e .Call 970-310-3855

Gunbarrel 3BR.,2.5BA, 1901SF, 2cargar. fncd, AC, W/D,

pets neg. N/S. $1910.303-818-0709

6001 Apartmentsfor Rent

1, 2 & 3 BDRMApartment Homes

The ShoresApartments,

Hwy 66 & Airport Rd(303)774-8000

Classified Ads getResults very, very fast!

1-2 BD $700-825A/C DW Lndy N/S/P303-444-05011 & 2 BDRM Apt HomesFox Ridge Apts PremierGated Community. PetsOK! For Info & Specials

Call (303)774-9944

1 BDRM, 1 BA, quiet,downtown, garden lvl,

coin-op W/D, N/P,Avail NOW $525/mo

303-859-9973

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

Country living instudio loft apt, full

kitch, W/D, pets ok w/approval, E. of Long-mont 303-833-2016 or

720-224-3083

EASTGLEN APTS630 Lashley, Longmont(303)682-2943

1, 2 & 3 BEDROOMS:laundry.

Wtr, trash, sewer pd

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

6001 Apartmentsfor Rent

VALUEPLACE

FIRESTONE

NewExtendedStay Hotel

$189/Week*1st 2 weeks

ONLY

Perfect forvisiting

friends &family!

I-25 & Hwy119,

Longmontexit 240.

303-485-0040

Bring ad toqualify.

*Expires6/30/11

*New GuestsOnly*

6002 Townhomes/Condos for Rent

1 bedroom, 1 bath,N/S/P, 225. E. 8th Ave-nue, $600/mo+ $600dep., 303-678-8663

2 BDRM, 1.5 BA, carpet,drapes, refrig, D/W, selfcleaning stove, centralA /C , gas hea t , W/Dhkup, fncd back yard, 2car gar. No pets. $850+ dep. 1424 Kay St.,Longmont 303-776-1287or 303-747-2219.

2BR, 2BA Condo 1 cargar, W/D, 1000sq ft, gasfrpl, AC, wtr/swr incl-$1000/mo 303-859-0093

Longmont Town-house 2 BR, 2 BA, 2car attached garage,basement. Available

7/11. $1,200/mo,1 year lease, 1,200

deposit. 500 LashleyStreet. Call if inter-ested. 303-345-8087

6005 Apts. forRent Furnished

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

PLACE YOUR AD.Call 303.466.3636or 970-635-3650

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

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

6006 Twnhms./Condosfor Rent Furnished

Mead Area-55+,2 bdrm, 2 ba, central

air, carport. $500 dep,$950/mo + utils.

303-319-4406/438-5707

6007 Duplexes

2BR, 1.5BA, loft, Mtnv iew, f rp lc , fencedyard, N/P/S. 2031 Lin-coln St. $850/mo +dep. 720-201-9197

2BR, 1BA, W/D, appl,gar, Old Town Lgmt,N/S/P S D/Lease $795inc wtr 303-485-0711

2BR, 1BA w/ study,large country kitchen,

new carpet, W/Dhkup, fncd backyd,off-st parking for 2,

& storage shed.No pets. $800+dep.806 Meeker, LNGMT

Avail. now 303-709-6105or 970-532-0930

3 BDRM, 2.5 BA, 1 car ga-rage, fenced yard, pets

nego, $1125 + dep,close to Lafayette

schools 303-665-2767

Duplex/Condo2-3 Bedroom

1419 Red Mountain1703 Whitehall Dr805 Summerhawk1009 Harmon Pl930 Buttonrock

Call PMP,303-776-RENT

Nice 2 Bdrm, gar, smfncd yd, w/d hkup,N/P, N/S, NE loc.

1 yr lse, $720+ dep.303-772-8775

6009 Housemates/Roommates

Lyons Mountain HomeRoom for rent

$450/mo+ utils775-287-9993

Male/Fem to share home.$400/mo $200/dep. Inc

utils. 303-776-6677 /303-875-4739

Mature lady to sharehome w/ same. Your

own bdrm & ba.$450/mo + 1/2 utils.N/S 303-776-1081

* Room $450 w/ utils *Longmont, semi-furn,W/D. Must have job,

not 420 friendly.Call 720-340-4126

6010 Roomsfor Rent

Room in clean 2 bd.home, W/D, phone-/ cab le / i n t . , s to rageyard, $575 inc. al lutil, 303-702-0643.

6015 Retail Spacefor Lease

5200 SF, Primelocation, 208 S Main,Longmont , Avail 7/1.

$3000 triple net.Dave 303-859-0787

6016 Office Spacefor Lease

255 WEAVER PARKCLASS “A” secondfloor office space for

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

1 yr Free Rent!

Don Rulle, CCIM303-772-2222

1582533

6016 Office Spacefor Lease

1400 SF. professionaloffice suites, 8 of-fices, waiting room,reception area, stor-age, all ground floor,plenty of parking.(303)956-1141

$250/mo, 110 to 5000 SF2432 Main,

Four Seasons Realty.303-875-1345.

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

PROFESSIONAL OfficesN. Longmont. 150 to825 SF Single & 3 officesuite. All ground level,2 entr, great prkg.303-956-1141

EMPTY YOURGARAGE

List your saleand prepare

to purge.$25, 10 lines, 4 days

plus a FREEgarage sale kit!Place your ad.

Call303-466-3636 or970-635-3650

Or visitFrontRangeClassifieds.com

6017 Indust./Comm’lfor Lease

2 Units Avail, can besep or combined.WHS 1500 sf, lobby

& ofc 1060sf. Grosslse $1995/mo in Lgmt

facing 3rd Ave.Ofc/lobby/kitchen &

ba w/ shower, 900 sf+ warehouse 1200 sf.Gross lse $1640/mo.A/C, heat & sec cam-era incl. 720-684-4200

ask for Terry

6020 Mobile HomeFor Rent

$330MOVESYOU IN!!

Brand NewHomes to

RentStarting at

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3 to 4bedrooms

and 2 baths

Fitness roomClub HousePlaygroundSwimmingpoolPet Friendly

Expires6/30/2011

Sun Homes AtEagle Crest

888-246-5232

www.4eaglecrest.com

LONGMONTREALTY

303-772-7576629 Terry St., Longmont

www.longmont-realty.com

1234 EMERY #DSpacious 2 BR, 3 BA condowith single garage near reccenter, bus and all shopping.Freshly painted, new vinyl &appl. plus private patio andcozy fireplace! $159,900

1023 EICHHORN DR., ERIEFabulous 3 BR 2 story withmain floor master, 3 BAincluding a 5-pc. master bath.This 3693 total Sq. Ft. homefeatures formal dining, hugeeat-in kitchen and large loft,dbl. garage. $269,500

1130 VENICE ST.Must see this one! Beautifulranch with new paint, newcarpet, and vinyl. This is agardener’s delight with lovelypatio, 2 ponds and greatyard. $131,670

1583

677

1583

839

Monica Zweck303-772-2222

1911 Emerald $465,0001911 Emerald $465,000• Master suite retreat w/bath on separate level• Creek side subdivision• 5 Bedrooms, 4 Baths • Mountain Views• Open floor plan • Near neighborhood park


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

Longmont• David Chesnokov from Mark

Hilliard, 3656 Stagecoach Rd Unit 611,Longmont, $84,000, condo• James & Lisa Dunn from Susan E

Quagliata Testamentary, 8519 StirrupLn, Longmont, $497,000, home• Karen Hufnagl from Boulder Creek

Kingsbridge LLC, 1562 Venice Ln,Longmont, $212,500, home• Nan Stuart from Fannie Mae, 1010

Morning Dove Dr, Longmont, $240,000,home• Tristan Pyzel from Federal Home

Loan Mortgage Corp, 713 Clarendon Dr,Longmont, $254,900, home• Kristi Vonalt from Edgar Ibarra,

1051 Ponderosa Cir, Longmont,$120,000, home• Gavin & Moriah Sullivan from

Robert Keeley, 350 Lincoln St, Long-mont, $350,000, home• Christian & Diane Gruber from

Prestito LLC, 710 Tenacity Dr Unit 301,Longmont, $280,000, condo• Mark Page from Peter Tsou, 327 E

17th Ave, Longmont, $156,000, home• Gene Bircher from Canyon Falls In-

vestments LLC, 201 Pratt St, Longmont,$164,000, home• David & Janae Ross from Double B

Investments LLC, 708 Goss Dr, Long-mont, $132,000, home• Jared Kupcak from Mark Drouhard,

1554 Harlequin Dr, Longmont,$325,000, home• Barbara Ekx from GMZ Investments

LLC, 838 Bluefield Ct, Longmont,$297,000, home• Kimberly Brayman from Theresa

Grenda, 1320 6th Ave, Longmont,$154,900, home• Charles Warren from John Orourke,

1121 Chestnut Dr, Longmont, $300,000,home• Cheri Bahr from Alberto Real, 34

Gardner Dr, Longmont, $172,900, home• Binod & Meena Sharma from Wade

Simmons, 3643 Wildrose Pl, Longmont,$260,000, home• Bonnie Brady from Susan Steven,

3362 Larkspur Dr, Longmont, $313,500,home

• Charles Freedman from John Grego-ry Coleman Trust, 762 Windflower Dr,Longmont, $360,000, home• George Sager from Robert Lienert,

301 Sumner St, Longmont, $288,000,home• Donald Young from Glenn Sproul,

2251 Bluebird Dr, Longmont, $470,000,home• Caroline Vaughn from Lane Ver-

munt, 1415 Lincoln Cir, Longmont,$229,000, home

Ault• Dustin Coy from Jarett Guffy, 405

Cherry Ct, Ault, $148,500, home

Berthoud• Robert & Terrie Sweany from

Deutsche Bank National Trust Corp,3037 W County Road 8, Berthoud,$137,400, home• Robert & Verona Runyan from BAC

Home Loans Servicing LP, 1046 5th St,Berthoud, $234,900, home

Dacono• Garry Cowman from Fannie Mae,

535 Short Dr, Dacono, $210,000, home• Bibiana Batrez from Petlo Invest

LLC, 1025 Macdavidson Cir, Dacono,$105,000, home

Erie• Charles Wright from Susan Hyde,

3263 Lowell Ln, Erie, $290,000, home• Douglas & Kristin Alcouffe from

Meritage Homes Colo Inc, 1486 Eagle-view Pl, Erie, $410,000, home• Ray & Teresa Higdon from Brian

Giesbrecht, 906 Westin Cir, Erie,$675,000, home• Michael Clark from Taylor Morrison

Colo Inc, 1172 Koss St, Erie, $323,600,home• Misty & Jake Bragg from Taylor

Morrison Colo Inc, 1148 Koss St, Erie,$280,000, home• Kyle Senescu from Antony Bushell,

760 Lehigh Cir, Erie, $237,500, home• James Turner from Paul Hamilton,

1844 Gordon Dr, Erie, $244,900, home• Alberto Lovi from Mark Sleeper, 325

Holbrook St, Erie, $199,900, home• Yi Yan from Wilmington Trust Co

Trustee, 921 Marfell St, Erie, $380,000,home

Firestone• Pamela Obrien from Richard Slane,

6742 Silverleaf Ave, Firestone,$245,000, home• Kevin McMillan from David Debolt,

334 5th St, Firestone, $185,200, home• Daniel & Tiffany Gilbert from Colin

Graham, 11227 Dover St, Firestone,$219,000, home• Joshua & Michelle Little from

Homesales Inc, 6715 Owl Lake Dr, Fire-stone, $338,000, home• Jason & Erin Brueggeman from

Thomas McGrane, 9169 Ferncrest St,Firestone, $380,000, home

Fort Lupton• Fermin Munozmedina from Orlinda

Rivera, 1813 Ivywood St, Fort Lupton,$120,900, home

Frederick• Bernhard & Ja Weissbeck from KBD

Homes Inc, 6312 Spring Gulch St, Fred-erick, $301,600, home• Christopher Vitry from Home St

Bank, 3436 Red Hawk Ct, Frederick,$55,000, home• John & Rhonda Murray from KBD

Homes Inc, 6322 Steeple Rock Dr, Fred-erick, $305,200, home

Lyons• John & Toni Stjohn from Credit

Union Denver, 3443 Colard Ln, Lyons,$625,000, home• Bradford Hazen from Rcts Holdings

LLC, 40 Meadow Rd, Lyons, $125,000,home• Cynthia Spoerl from Markel Homes

Construction Co, 423 Raymond Ct,Lyons, $365,000, home

Niwot• John Tembrock from Maria Ed-

wards, 7113 Pine Cone Ct, Niwot,$455,400, home

Foreclosures – notice of election anddemand• Borrower: Jaos LLC, Lender: US

Bank National Association, Amount:$2,246,656, Property: 968 N CountyRoad 19, Berthoud, Filed: 06/07/11• Borrower: Danny Citron, Lender:

US Bank National Association Success,Amount: $188,508, Property: 849 7th St,Berthoud, Filed: 06/08/11

• Borrower: Terri Sobara, Lender:GMAC Mortgage LLC, Amount:$157,080, Property: 304 Sunset Ln, Da-cono, Filed: 06/08/11• Borrower: Patrick Hallacy & Araceli

Chavez, Lender: Colonial NationalMortgage, Amount: $180,242, Property:6822 Summerset Ave, Firestone, Filed:06/06/11• Borrower: Donna Honeycutt,

Lender: HSBC Bank USA National Asso-ciation, Amount: $204,965, Property:5461 Fox Run Blvd, Frederick, Filed:06/08/11• Borrower: Laurence Kenyon,

Lender: Bank Of America NA, Amount:$1,312,000, Property: 5701 Prospect Rd,Longmont, Filed: 06/07/11• Borrower: John Franchini, Lender:

Boulder Valley Credit Union, Amount:$146,623, Property: 2425 Lincoln St,Longmont, Filed: 06/08/11• Borrower: Forrest & Carolyn Flem-

ing, Lender: Wells Fargo Bank NA,Amount: $258,024, Property: 2208Meadow Vale Rd, Longmont, Filed:06/07/11• Borrower: Cynthia & Kevin Flo-

erchinger, Lender: Citigroup GlobalMarkets Realty Corp, Amount:$449,600, Property: 2009 Blue Moun-tain Rd, Longmont, Filed: 06/08/11• Borrower: Jordan Hyde, Lender:

Wells Fargo Bank NA, Amount:$150,330, Property: 558 Hickory Dr,Lyons, Filed: 06/07/11• Borrower: Diane Fiore, Lender:

Wells Fargo Bank NA, Amount:$154,134, Property: 413 Sterling Ln, Da-cono, Filed: 05/09/11• Borrower: Glenda Ramsey, Lender:

BAC Home Loans Servicing LP, Amount:$75,282, Property: 1423 MacPool St,Dacono, Filed: 05/09/11• Borrower: John & Donna Sisler,

Lender: BAC Home Loans Servicing LP,Amount: $254,872, Property: 300Garfield St, Dacono, Filed: 05/10/11• Borrower: Walter Morici & Judith

Savre, Lender: BAC Home Loans Servic-ing LP, Amount: $253,153, Property:1492 Serene Dr, Erie, Filed: 05/05/11• Borrower: James & Ernestine Oli-

vas, Lender: BAC Home Loans ServicingLP, Amount: $78,171, Property: 142Jackson Ave, Erie, Filed: 05/05/11

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Open Sat. 11-11621 Emery StLongmont$159,500Perfect Starter Home.

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Longmont$229,000

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Open Sat 1-413601 N. 115th St.

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