Real Estate Guide

Saturday Reporter-Herald D ecember 4, 2010 E1

• •

Real EstateMatters

www.homeandrealtyguide.com Saturday, December 4, 2010 Reporter-Herald

Listings ofNorthern Colorado

homes thathave recently sold

PPPaaagggeee EEE222

Real EstateTr a n s a c t i o n s

Director y

PPPaaagggeee EEE555

Inside this week’s Home & Real Estate

� See Glink /Page E4

RentsMay RiseVacancy rates fallacross state, spur

increase in rent prices

PPPaaagggeee EEE333

Front Range Gardening

Carol O’Mearaunveils new trendsin holiday lighting

PPPaaagggeee EEE666

Shopa ro u n dfor the

best loanILY C E GLINK AND SAMUEL J. TAMKINTRIBUNE MEDIA SE RV I C E S

Question: I have been fol-lowing your column in mylocal newspaper andnever imagined I would

have a question to ask one day.Two months ago, I applied for

refinancing with my currentlender and was offered 4.875 per-cent (90 day lock rate) comparedto my current 5.75 percent.

I was told I could back out any-time and the cost to me wouldonly the appraisal cost of $380and the cost of the survey. Both ofthese were charged to my creditcard and the appraisal was doneand was more than enough toqualify for the loan.

For the last four weeks, I havebeen e-mailing and leaving voice-mail asking if we can lower therates, given that these have comedown, and to get updates on theloan processing.

The loan officer responded thatclosings were averaging 75 daysand that we were only 50 days in-to the loan application. He didnot respond to my interest ratesquery. I read the fine print in myloan application, and there is noclause about penalties of can-celling, not pursuing or closingthe loan.

Yesterday, the loan officer e-mailed me requesting more infor-mation from me that the under-writer had requested to completethe loan application.

In the meantime, two weeksago, I checked with my regularbank and I verbally gave them mycredit score and the amount frommy recent appraisal. On that ba-sis, my regular bank offered me4.375 percent for a refinance.

What are the strategies and op-tions for me to salvage a betterrate given the above?

Do I ask my current bank tosend me the loan application andevaluate?

If my current bank offer of4.375 percent is credible, can Iaccept it? My crystal ball seems tosay that that interest will remainthe same for the next couple ofmonths.

Look forward to your advice.Answer: Can we borrow your

crystal ball?Seriously, if you want to walk

away from your application, thecost will probably be the $380you’ve already paid for the ap-praisal and any other costs thathave already been paid. Youshould check the paperwork to

Avalanche of Risks

Aw a rdP re s e n t a t i o n

At the Avalanche of Risks eventheld by CSU’s Everitt Real Es-tate Center, the organization’s

Hall of Fame and Entrepreneur of Yearawards were presented.

The Hall of Fame award was given toBill Bartran, a long-time home builderin Fort Collins who passed away in Au-gust of this year. His daughter,LeeAnn Mill, accepted the award onhis behalf.

Eric Holsapple, co-founder of Love-land Commercial, was named En-trepreneur of the Year and said he isproud of being a part of founding theEveritt Real Estate Center at CSU.

Event at CSU’s Everitt Real Estate Centerdiscusses risks in real estate market

RH Photos/Jennifer LehmanColorado Association of Realtors CEORobert Golden spoke at the CSU EverittReal Estate Center’s event, Avalanche ofRisks.

Eric Holsapple of Loveland Commercialaccepts the Entrepreneur of the Yeara w a rd .

LeeAnn Mill accepts the Hall of Fameaward on behalf of her father, BillBartran.

JENNIFER LEHMANSPECIAL SECTIONS RE P O RT E R

At the Avalanche of Risks event formembers CSU’s Everitt Real EstateCenter, panels and speakers discussed

risks they expected to affect the real estatemarket and greater economy in the comingy e a r.

Robert Golden, CEO of the Colorado As-sociation of Realtors, said Colorado’s econo-my has stayed relatively steady compared tomany other parts of the country, and whileit has experienced home value declines, it isalso recovering faster than other areas.

Golden said NAR membership is at22,000, down 6,000 over the last two years,but the ratio of active licenses to Realtorshas spiked.

Golden said the number one issue for NARis opposing caps on itemized deductions onmortgage interest, a potential part of theadministration’s tax reform plan.

The caps on mortgage deductions havebeen seen as a home buying incentive andwould lead to a reluctance to purchase,Golden said, and put a downward pressureon home prices further damaging the econ-o m y.

Golden quoted the NAR president, RonPhipps on the issue: “Any further downwardpressure on home prices will hamper theeconomic recovery, raise foreclosure, hurtbank’s abilities to lend and likely tip theeconomy into another recession. It very wellcould close the door on the Americandream.”

Golden said the group is urging it’s 1.2million members to contact their represen-tatives to oppose this portion of the admin-istration’s tax proposal.

NAR will begin a campaign after the firstof the year called Homeownership Mattersto highlight the importance of homeowner-ship. Golden said it is typical in a recessionor hard economic times that the mediahighlights the benefits of renting and dis-

courages home buying — something he de-scribed as having a very “damaging effect.”

Another CAR representative was RachelNance, the organization’s Vice President ofPolicy. She spoke on the new political layoutof the Colorado legislature. She said dealingwith the budget will be the number one is-sue for the Colorado Congress and that de-spite the new divisions she does not believethis will lead to gridlock. She said a splitCongress will lead to more thoughtful,strategic and less extreme legislation onboth sides.

PA N E L I S T S

Brent Coan of Otis Coan and Peters, a realestate, business and estate planning lawfirm, moderated a panel on local risks, fo-cusing on capital, taxation and floodplain is-sues.

C A P I TA L

Mark Driscoll, president of First NationalBank, based in Fort Collins, spoke on cur-rent risks in the financial system and theproblems community banks are facing withlending and new regulations requiringbanks to have more reserves and capital,causing some banks to shrink or consoli-date. There is a concern about who will fi-nance local housing if banks are forced toconsolidate because of new regulations.

100 YEAR FLOOD PLAIN

Steve Hanson, president of Oxbow, Incspoke on the 100 Year Flood Plain proposalin Fort Collins and the move toward in-creased regulations at the state and locallevel that could negatively impact residen-tial and commercial property owners.

Hanson added that the if Fort Collinsmoves forward with an upgrade in regula-tions, the state may follow in their foot-steps, and lose a competitive edge as manysmall communities in Colorado are built onrivers and would be impacted by the newregulations.

TA X AT I O N

Steve Soukup, President of Soukup, Bush& Associates, spoke on federal and state in-come tax risks and said that taxes have asignificant impact on real estate and real es-tate development. He said he expected theBush tax cuts to be gone in the next year ortwo leading to a 10 percent increase in tax-es and a potential increase in dividend rates.

Saturday Reporter-Herald D ecember 4, 2010 E2

Mortgage rate update

30-year fixed

15-year fixed

5/1 ARM

This week Last week Tre n d

4.55%

3.92%

3.43%

4.66%

4.03%

3.46%

Regional Snapshot for Loveland/Berthoud Residential

Au g u s t September October

Active Listings 1,054 1,027 969Previous Year Active Listings 1,074 1,031 963

Sold Listings 102 114 105

Median Sales Price $192,000 $196,000 $211,000Previous Year Median $222,500 $187,500 $201,500

Average Days on the Market 113 133 121Previous Year ADOM 125 126 127

Year to Date Listings Sold 941 1,055 1,160Previous Year YTD Listing Sold 887 984 1,110

Monthly Volume $25,128,272 $29,834,886 $27,400,541Previous Year Monthly Volume $32,956,535 $22,669,842 $32,560,029

Home & Real Estate isproduced every Saturday

by the Loveland DailyReporter-Herald.

EDITORIAL INFORMATION635-3656

DISPLAY ADVERTISING669-5050

CLASSIFIED ADVERTISING635-3650

For home and real estateadvice, features and

information, visitwww.homeandrealtyguide .com

Real Estate Transac-tions are supplied byProspects UnlimitedInc., 1151 Eagle DriveNo. 467, Loveland, CO80537, 667-1537.

L oveland• Raymond & Joy

Schwarz from Kali-noski Dominic, 2408Nyssa Dr, Loveland,$125,000, home

• Antonio Serpafrom LimaGuadalupe, 2915Katie Dr, Loveland,$130,000, home

• Rockywoods LLCfrom Waterford Cen-ter LLC, 418 8th StSe Unit A4, Love-land, $182,500, con-do

• Blake & LeahDavis from WeinlandHomes Inc, 1825Tincup Ct, Loveland,$382,300, home

• James & Kath-leen Hammond fromDiorio Jeanette L,1462 Cattail Dr,Loveland, $206,000,home

• Rachael Thomp-son from Engel JesseT, 4805 Hahns PeakDr Unit 103, Love-land, $123,000, con-

do• Jan Hodginhart-

love from Kloos LeeE & Susan D, 2059Grays Peak Dr Unit202, Loveland,$146,500, condo

• Michael Johnsonfrom Loveland Mid-town Development I,1813 Gemini Ct,Loveland, $176,200,home

• Wayne & Chris-tine Achziger fromOnewest Bk, 6650Lakota Ct, Loveland,$328,900, home

• Resident fromSimchuk Erik J,4466 Howling PinesWay, Loveland,$715,000, home

• Michael & LynnGreer from ViseeRobert T & Kim M,431 Lavastone Ave,Loveland, $205,000,home

• Jacob Thornbruefrom Wheeler KathyJ, 2480 Dawn Ct,Loveland, $155,000,home

• Suzan & MichaelVandemark fromYelek Mark Anthony,1251 Charlotte Ct,Loveland, $237,500,home

• Dennis Koschelfrom Bank New YorkMellon, 2408 Bis-marck Ave, Love-land, $161,000,home

• Donald & Kath-leen Mccoy fromRoad 60 Farm LLC,23974 County Road1, Loveland,$325,000, home

• Todd Brauchfrom AshcraftJoseph W & RebeccaB, 917 PtarmiganCir, Loveland,$189,900, home

• Reese Saxtonfrom Barberry LLC,263 Primrose Dr,Loveland, $162,000,home

• Resident fromBigby Edwin R Jr,855 Eagle Ridge Ct,Loveland, $375,000,home

• Terry Stangefrom ComancheCross Capital GroupL, 2318 Hidden Val-ley Dr, Loveland,$1,080,000, home

• Travis & KristalCrites from Co-manche Cross Capi-tal Group L, 2538Hidden Valley Dr,L oveland,

$1,150,000, home• Kimberly Way

from Fannie Mae,4138 Rockvale Dr,Loveland, $173,000,home

• Nasim Kchikfrom Highland Hold-ings LLC, 1405 W57th St, Loveland,$126,500, home

• Eric & VickieBufkin from HoffnerBenjamin S & Abi-gail M, 7519 BuffaloCt, Loveland,$665,000, home

• Matthew &Catherine Grassmanfrom Inman Brian R& Dana M, 1726 Sil-ver Leaf Dr, Love-land, $245,000,home

• Ray Morton fromPohlit Nicholas,6014 W US Highway34, Loveland,$135,000, home

• Christopher Hen-derek from StenzelMatthew G &Melanie D, 375Amethyst Ave, Love-land, $159,500,home

• Robert Feltyfrom Stroh Mickey L,1304 35th St Sw,Loveland, $107,500,

home• Lori & Dale Mc-

callum from TharpDaniel D & Karen J,4812 Patmore AshDr, Loveland,$310,000, home

Berthoud• Timmy Phillips

from Hull Tyson D &Suzanne E, 1737 Ex-eter St, Berthoud,$385,000, home

Estes Park• Emanuel &

Kathryn Rothe fromBrooks William W,155 Evergreen PointRd, Estes Park,$250,000, home

• Thomas & LoisGiordano from KunisMary Ellen, 1523Vista View Ln, EstesPark, $325,000,home

• Richard & LindyFortenberry fromPaul H Van HornTrust, 2751 CarriageDr, Estes Park,$281,000, home

• Andrew & Aman-da Donaldson fromStrong Jessica C &Jeremiah A, 260South Ct, EstesPark, $263,000,

home• Miles & Bonnie

Mewherter from Col-orado Capital Bank,2180 Uplands Cir,Estes Park,$530,000, home

• David Gainesfrom JacksonStephen S & AdeleM, 524 PromontoryDr, Estes Park,$450,000, home

• Cathleen Larsonfrom Rudds Inc, 3444th St, Estes Park,$122,500, home

Johnstown• Shauna Joaquin

from OakwoodHomes LLC, 3913Blackwood Ln, John-stown, $212,300,home

• William & LoriWatson from KaceInvest LLC, 23 NEstes Ave, John-stown, $125,000,home

• Blake Audettefrom OakwoodHomes LLC, 3837Arrowwood Ln,Johnstown,$167,900, home

• Richard Grimaudfrom Warner Neil T& Susan K, 1744

Goldenvue Dr, John-stown, $237,000,home

• Bulmaro Medinafrom Fed HomeLoan Mtg Corp,1104 N 2nd St,Johnstown,$123,000, home

Windsor• Elizabeth

Stafford from MelodyHomes Inc, 605 Bot-ley Dr, Windsor,$188,000, home

• Lanny Douglasfrom Nilsen Deanna& Stephen, 1223Brookwood Ct,Windsor, $240,000,home

• Robinson LLCfrom Platinum Prop-erties Lllp, 1318Fairfield Ave, Wind-sor, $162,000, home

• Resident fromWalberg Glenn W Jr,556 Lakewood Ct,Windsor, $435,000,home

• Michael & AlexLynch from Strath-more Homes I Inc,6664 Crooked StickDr, Windsor,$442,000, home

H& Real Estate TransactionsRE

(970) 663-2001Ankmar.com

50 Years of Garage Door and OpenerRepair and Replacement Expertise

Now Only

$33999Reg $399.99

Save $60.00

The Ultimate Performance1/2 HP Belt Drive

Garage Door OpenerNow Only

$29999Reg $339.99

Save $40.00

Rugged Reliable Performance1/2 HP Chain Drive

Garage Door Opener

Includes Installation

Includes Installation

World’s #1 Professionally Installed Garage Door Opener

Model 3255 with 2 Remotes, Multi-Function ControlPanel and Wireless Keypad

Expires 03/31/11 • Not valid with any other offers

Model 3280 with 2 Remotes, Multi-Function ControlPanel and Wireless Keypad

Expires 03/31/11 • Not valid with any other offers

50-3

1994

1

Saturday Reporter-Herald D ecember 4, 2010 E3

Open Houses This Weekend - www.thegroupinc.com

SATURDAY/SUNDAY 12:00 - 5:00 SATURDAY 11:00 - 2:007409 Pimlico Drive, Windsor - Grand Opening in Belmont Ridge! Beau�ful new decorated model and four single story and two-story plans from 1700 to 2500 finished sq. feet with lots from 8000 to 25,000 sq. feet. Star�ng in the mid- 200’s. Ask about our great builder incen�ves! Priced from $255k.

1600 Sunnyside Drive, Loveland - Spacious, unique retreat with 4 bedrooms, 4 baths and a 7 car garage! New carpet and wood flooring in this walk-out ranch style home!Huge walk-in pantry, huge garage plus extra parking for boats or motor home, addi�onal outbuilding, a�ached greenhouse and a large east side deck.

SATURDAY/SUNDAY 12:00 - 3:001849 Chesapeake Circle A,B,C, Johnstown - 3 units completed & 1 under construc�on. Maintenance free townhomes w/open floor plans. Features many upgrades: central A/C, fireplace, �le entry, decora�ve light fixtures w/fans, walk out basements, breakfast bar & more.

Call Carole Newberry443-4047

$308,500MLS#640496

SATURDAY 1:00 - 3:003402 Red Maple Court, Loveland - Ranch style house with an a�ached 3-car garage! 3 beds w/2 baths. New �le, carpet, paint, & a fresh new feel. Master bedroom has a 3/4 bath. Covered east side pa�o. RV/boat parking capability. Fenced back yard with a storage shed and double gate access. No HOA dues! Larger corner lot on a quiet cul-de-sac.

Call Jim Chance388-4261

$190,000MLS#640718

SATURDAY/SUNDAY 12:00 - 3:0010818 Cimarron Street Units, Firestone - MAINTENANCE FREE LUXURY LIVING. Only 4 units le�. 2 beds, 2 baths, 2 car garages. 1200-1600 square foot homes. Main level units and 2 story units available. Many luxury features and in a prime loca�on. Come visit us

Call Rhonda Heth556-3516

Call Tracy Wilson567-0907

$160’s - $180’sMLS#629251

$170’s - $190’sMLS#642473

Call Miki Roth690-9459

$440,000MLS#643286

SATURDAY 12:00 - 2:00

Call John Simmons481-1250

$123,500MLS#643476

4428 Fla�op Court, Fort Collins - New interior paint, countertops, �le backsplash, appliances, light fixtures, �le floors & more. Large back yard. Garage was professionally finished perfect for office, gym or rec area. Fireplace, ceiling fan, bay window & much more.

SUNDAY 1:00 - 3:001049 Grant Avenue, Loveland - Wonderful Old Town Ranch with 3 Bdrms, 2 Bath and par�al basement. Oversized double garage on a beau�ful corner 1/3 acre lot with 1000 sq�. of deck between the house and garage. new carpet, paint and vinyl. Only a few blocks from the park and lake Loveland. See this charmer today.

Call Rich Gardiner227-0964

$175,000MLS#641581

SATURDAY/SUNDAY 1:00 - 3:001529 Dryland Street, Loveland - Brand new ranch style home built in Ta� Farms by Keirns Construc�on! Several other plans and lots to choose from! Call for details.

Call Mark Moran218-1891

$299,900MLS#624979

SATURDAY/SUNDAY 11:00 - 2:00 SATURDAY 1:30 - 3:30558 Sundisk Drive, Loveland - Amazing home with huge yard, a 3 car garage, 3bedrooms, 2bathrooms, and a basement. COMPLETELY REMODELED! HUGE master bedroom with 3 closets upstairs. 2 bedrooms & a study downstairs. Basement is perfect for a workshop, or can finish for addi�onal sq �.

2766 27th Court SW, Loveland - Wonderful ranch style with 3,594 sq � (50% finished walk-out bsmt). Office w/hardwood & bay window, formal dining w/hutch space, lots of leaded glass touches, kitchen w/roll-out drawers, main floor laundry, private 5 piece bath in master suite. Come see this beauty!

Call John Simmons481-1250

Call Don A. Riedel679-8265

$200,000MLS#643579

$260,000MLS#633804

SATURDAY 1:00 - 3:002580 Lochbuie Circle, Loveland - Lovely ranch style pa�o home w/ 2 beds + office on the main level. Open kitchen. Living room w/ gas fireplace, vaulted ceilings & mul�ple windows. Large master suite w/ 5pc bath. Newer carpets & access to a large deck & pa�o. 1250sf garden level basement finished w/ a family room, 2 bedrooms & 3/4 bathroom.

Call Rich Gardiner227-0964

$289,500MLS#637005

SATURDAY 1:00 - 3:00FRIDAY-SUNDAY 1:00 - 4:003314 Williamsburg Street, Loveland - Well cared for ranch home with great mountain views! This home is move-in ready. Vaulted ceilings, a/c, pantry, HE furnace less than 1 yr old. All appliances included. Beau�ful yard complete with deck and sprinkler system.

255 Carina Circle #104, Loveland - Granite counters, SS appl, wood flrs, vaulted ceilings, fireplace & full bsmnts. They are going fast! HOA covers water, sewer, trash, exterior maintenance & insurance, landscape & snow removal, cable, clubhouse, pool & hot tub.

Call Julie Hart481-1443

Call Georgena Arne�481-9801

$190,000MLS#640936

Priced From $151,000MLS#624039

THESE UNITS ARE LOADED!

GRAND OPENING!

GREAT PRICE IN LAKESIDE

TUESDAY - SUNDAY 1:00 - 4:004635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model home at The Pa�os in Thompson Crossing. 6 ranch plans, 3 car gar op�ons, garden level lots, views, low HOA dues. Convenient loca�on, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low maintanence living at it’s best!

Call Val Schlageter217-3464

Priced From $329,000MLS#607818

JUST LISTED!

AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE

Northern Colorado Real Estate SourceThe Real Estate Source is a magazine produced by The Group featuring

homes for sale and new home neighborhoods throughout Northern Colorado.�� ���� ����� �� �� � ��� ����� ����� ����� ���������

�� � ��� ����� �� ����� ���� �� ��� ���� ���� �� ����������������� �� ���� ��� ������� !�������"#������

�� $�� ����� ��� � %"�� �� ���� &�� � ��� ��� �� �� ��� ���� �' ������'����� ������ ����������� ����� ����� ��� ����� ��� ���

�� (����)�� �� � ��'�� *�� �� �))�� �� ��� �� ��

�� (����)�� �� )��%�� ���� ��� �))�� �� ����)�� �� � ��� �����

�� ��� �� ���� �� �� ���� �� �� �� +++����'���� ���) ���� � �'� �%� �� ���� � ��'�� ��� )��� � �� �'��

Northern Colorado

Real Estate Sourcew w w . t h e g r o u p i n c . c o m

49-319848

49-321529

Great 4 bd, 3 bath bi-level home. New carpet, fi replace, 2 car garage. Quiet neighborhood. All kitchen appliances included. MLS#634939 $158,000

2729 W. 17th St Rd, Greeley

OPEN HOUSE SATURDAY 11-1PM

Julie CarpenterCentury 21 Humpal, [email protected]

FEATURED PROPERTIES -FEATURED PROPERTIES - VIEW PROPERTIES AT HOMEANDREALTYGUIDE.COMVIEW PROPERTIES AT HOMEANDREALTYGUIDE.COM

UP TO $199,999UP TO $199,999

3 bed/3 bath home on a beautifully landscaped corner lot! Newer stainless steel appl., roof & paint. Hot tub room & sunroom. Large family room and oversized garage. MLS#634133 $209,900

4629 N Franklin Avenue

NEW PRICE!

Steve BakerSears Real Estate970-302-0879/970-330-7700stevebakerrealestate.com

$200,000 TO $299,999$200,000 TO $299,999

$300,000 TO $399,999$300,000 TO $399,999

Magnifi cent 4 bd, 4 ba 2 story home with spectacular views. Wonderful 3.81 acre horse property with 3 stalls and heated tack room. Enjoy the views from the deck or relax by the fi replace. $725,000

3714 Coyote Trail, Berthoud

OPEN HOUSE SATURDAY 1-3PM

Todd Murray Century 21 Humpal, [email protected]

$500,999$500,999 +

Light, bright and beautiful home. Backs to greenbelt in Emerald Glen. 5 bedroom,4 bath, vaulted ceilings, family, living and rec room. Fireplace and 3 car garage all make this an exceptional value. Price $300.000

2536 Glendale Dr.

OPEN HOUSE SUNDAY 1 - 3PM

Ruth CarrothersNorthern Colorado Real Estate Brokers

970-213-0077 [email protected]

Wonderful 3 bd, 2 ba ranch style home with mtn views. 3 car garage. 5.43 acres could be used for horse facility or could be a great in-home commercial business. Water rights included. $325,000

2640 East Highway 402, Loveland

OPEN HOUSE SATURDAY 11-1PM

Ursula Albers Century 21 Humpal, [email protected]

Your online and print resource for residential,commercial and land for sale

homeandrealtyguide.com

One of Northern Colorado’s fi nest Golf Coarse Communities. 4 bed, 3 Bath, 3-Car, 2 Story. Features include custom interior paint, granite counter tops, newer fl ooring, fabulous living and dinning rooms, main fl oor den, 2 story great room, large master with bay window, fenced yard, all bordering a expanded green belt. This property is located on a cul-de-sac lot with island parking, plus lake and mountain views. A Must See Home at a Great Price! 4688 Twin Peaks

VILLAGES AT MARIANA BUTTE $319,000. OPEN HOUSE SUNDAY 1:30 - 4:30PM

Rick L. KelleherColdwell Banker Residential Brokeage970-980-7218 [email protected]

Apartment rents expected to rise; vacancies fall across stateJADE CO DYSPECIAL SECTIONS EDITOR

According to third quarter statistics re-leased by The Colorado Division of Hous-ing, apartment vacancy rates in Loveland

increased from 3.8 percent at the end of firstquarter to 5.5 percent at the third. Lovelandwas the only Front Range Metro area in Col-orado that had an increase in vacancy. However,as with the rest of the state, Loveland’s averagerent price increased. climbing from $835.41(first quarter) to $968.44 (third quarter).

Across Colorado, vacancy rates were almost

all under 10 percent. Fort Collins had the low-est vacancy rate in the state, tightening to 2.8percent, and Greeley came in at 3.9 percent.

“Generally speaking, rental markets are con-tinuing the trend toward tighter markets thatwe’ve seen in recent quarters,” said Gordon VonStroh, a professor of business at the Universityof Denver and the report’s author. “This isn’tthe case in every single market, but given howvacancies are declining significantly in FortCollins, Greeley, Colorado Springs and other ar-eas as well, it’s clear that empty units are nowrelatively scarce and that increases in rent levelsare likely to follow,” he said in the CDH report.

H& R e n ta l sRE

Saturday Reporter-Herald D ecember 4, 2010 E4

make sure there isn’t anything else that youwill be charged going forward (remember,they do have your credit card information). Ifnot, feel free to move forward with anotherl e n d e r.

You should also call your loan officer and tellhim that you’ve been given another quote for4.3 percent on a 30-year fixed-rate loan andare thinking about walking away from the ap-praisal fee unless they make you a better offer(or match it).

Yo u ’ve already done the shopping around.Now you just have to close the deal. It’s defi-nitely worth it for you to walk away from thishigher priced loan for one that is a half pointcheaper. The question is, could you shoparound more and find a 15-year loan for 3.75percent that would cost about what you’repaying now? If you can afford the monthly pay-ments, that’s really the deal to chase. You’dsave tens of thousands of dollars over the lifeof the loan.

Lastly, if the lender you have been workingwith gives you the green light to move for-ward, what are you going to do? If you go withthe second lender, you may find out that theywon’t give you the loan for one reason or an-other or may find yourself losing the first dealand finding out that the second lender won’tor can’t close on the deal for you.

If you can get the first lender to agree togive you a lower rate, you’ll have what youwant: a lender ready to close at a lower rate.But if you go with the other lender, you’ll bestarting from scratch.

You have to decide what you want to do. Wefrequently get letters from mortgage brokerswho tell us that homeowners should stick withtheir current loan application and see itthrough. Some loan applications do have apenalty involved, while others do not. If thereis no penalty, you have the legal right to con-tinue to shop around. It may not be nice oreven the right thing to do; nonetheless, youhave that right.

GlinkFrom Page E1

The Hillcrest offers striking exteriorfeatures and plenty of room

H& Featured Home PlanRE

AS S O C I AT E D DESIGNS

Families will find plen-ty of room for every-one and everything

in this grand contempo-rary chateau. With nearly4,000 square feet of livingspace, not counting patios,how could this not betrue? And having all of iton one level makes theHillcrest ideal for aging inplace as well.

Exterior textures are in-

triguing. Most of the wallsare an unusual split faceconcrete block, except forthe cultured stone veneerthat covers the chimneysand the entry porch frontgable.

Inside, classic hardwoodfloors are the norm, with afew practical exceptions. Alarge library/den is to theright of the high-ceilingedentry, and a vaulted livingroom is to the left, whereit is brightened and ex-

panded by a rectangularwindow bay. Near the win-dow, a freestanding wood-stove offers warmth whenthe weather turns chilly.

Arched openings at therear of the living roomopen onto a transversehallway. Matching archeson the opposite side feedinto an expansive vaulteddining room. Its windowbay makes an excellent lo-cation for a wide windowseat.

A kitchen with a gener-ously sized walk-in pantryis right around the corner.All appliances are built in.A raised and angled eatingbar bounds the kitchenand the comfortably largefamily room. The familyroom and eating nook arevaulted and richly glassed.Nestled into the back cor-ner is a fireplace with a TVniche above the mantel,but owners might prefer tolocate their main TV in thelarge media room on theright.

A third fireplace gracesthe owners’ suite. Thebathroom in this adult re-treat boasts a spa tub andan oversized shower, plus adeep walk-in closet. Dou-ble doors offer direct ac-cess to the Hillcrest’s widerambling patio.

For a review plan, in-cluding scaled floor plans,elevations, section andartist’s conception, send$25 to Associated Designs,1100 Jacobs Dr., Eugene,OR 97402. Please specifythe Hillcrest 10-557 and in-clude a return addresswhen ordering. A catalogfeaturing more than 550home plans is available for$15. For more information,call (800) 634-0123, orvisit www.AssociatedDesigns.com.

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

2541

New Homes Priced in the Mid 200’s in Desirable Seven Lakes Area5 Piece Master Baths, Walk-in Closets, Air Conditioning, 3 Car Garages,

Unfi nished Basement, Lake Rights4 Ranch Plans and a 2 Story with Main Floor Master to choose from

E 29th St.

N. M

adis

on A

v.

US

287

E 37th St.

Seven Lakes Dr.

53-3

2188

6

D.E. BURNS CONSTRUCTIONQuality • Integrity • Experience • Reputation

970.669.8386

OPEN HOUSE SAT. & SUN. 1PM-4PM

4

NEW NORTHERNNEW NORTHERNCOLORADO HOMESCOLORADO HOMESOPEN SAT & SUN 12-5

4496 Hayler Avenue, Loveland

970-532-5900(*w/ qualifying special financing)

FROM THE $140’S* TO $350’SEnchantment Ridge

49-3

2137

0

• 5 piece baths• 4 car garages

• Privacy fencing• Ranch / 2-Stories

NW Corner of Wilson & 43rd St.

FROM THE $140 S TO $350 S

$11,000* OFF SELECTED HOMES$11,000* OFF SELECTED HOMES$11,000* OFF SELECTED HOMES

1N

S

W E

Fantastic views of Longs Peak & Mt. Meeker from the 24 x 12 covered back

patio, granite countertops, wood & tile fl oors, A/C, gas fi replace, 2 baths

including 5 piece master, 3 bedrooms and unfi nished basement - $298,6644355 Ridgway Drive, Loveland

970-227-3893

Fanntassticc views of Longs Peaakk & MMt

OPEN SAT & SUN 1-4 PMSTARTING IN THE $200’S

43RD ST.

TAFT

GEOR

GETO

WN

89349-321369

3

3

$$3,000 Buyer Credit3,000 Buyer Credit

970-456-46001/4 mi. So. of Hwy 34 on Boise Ave. - 1899 East 11th Street

www.newmidtownhomes.com

Homes priced from the

$140’s - $220’s

ModelsOpen Daily 10am-6pm

HWY 34

E 11TH ST

BOIS

E AV

E

DENV

ER A

VE

49-3

2188

0

$$174,900

174,900

$$188,900

188,900

2,406 SF 2 Bd, 2 Ba Ranch

2,072 SF 3 Bd, 2 Ba Ranch

2

2

[email protected] • 593-5620

Stacia A. Fuller Agency10th & Lincoln, Loveland

Auto? Home? Life? Yes

49-321361

Saturday Reporter-Herald D ecember 4, 2010 E5

JEFF SC H N AU F E RCTW FE AT U R E S

With low interest rates and homeprices, the market remains primedfor new buyers. But alluring rates

and large inventory doesn’t mean the theprocess of buying a home for the first timehas gotten easier. The following steps willhelp you get an idea of the ride to come —plus a few tips for making the journey gos m o o t h l y.

ARRANGE FINANCING

If you want to buy a house, you need toknow what you can afford — and what thebank will loan you. Down payments canrange from 3.5 percent for an FHA loan to20 percent or higher, if buyers are looking toavoid potential mortgage insurance. The re-maining funds to purchase the house mustcome from a bank, credit union or otherlender. A mortgage broker may also helpcompare lenders. Interest may be paid at ei-ther a fixed year rate — usually 30 years —where the interest remains the same overthe life of the loan. Adjustable rates, whichmay start lower than the fixed rate but mayrise over the fixed rate within a few years,can create problems for those who do notplan for higher rates or loss of income.

“This is one of the problems that led tothe mortgage crisis,” said Peter Richmond,author of “The Complete Idiot’s Guide ToBuying A Home” (Alpha, 2010). “I tell peo-ple to sit down and take a realistic look atyour financial situation, including what yourpayment is on the loan and to look at theworst-case scenario: if you lost your job andthe adjustable rate hit the ceiling. If you canstill afford the payment, fine.

“Also, when you are doing your financing,no matter how much you want the house,don’t put yourself in a corner,” Richmondsaid. “You should own the house, not theother way around.”

FIND AN AGENT

Real estate agents work on commissionand are responsible for researching availablehomes, finding comps (comparable homesales in the area) to help you figure out anoffer and presenting your offer to the seller.

“You want an agent with many years’ expe -rience in the areas you’re searching, but youdon’t want an agent who may also be gettinga commission from the home seller to getyou to buy that home,” said Bruce Hahn,president of the American HomeownersFoundation, Arlington, Va.

“What you really want to do is interviewthe agent,” said Ron Phipps, 2010 presidentof the National Association of Realtors. “Ta l kto the person and see if you relate to them.Go online and get evaluations, talk to peoplewho have worked with the agent and look attheir professional experience.”

FIND THE RIGHT HOME

While “location, location, location” is im-portant, many people forget to look at thebig picture.

“Get an aerial view,” Phipps said. “Plug in-to Google search and see how close thehome is to waterways, open spaces ... If youfind there is a landfill a couple miles away,that may be something you want to know. Insome areas you have a freeway behind yourhome that may not be visible.”

Seek out sellers and neighbors to answerquestions about schools, property taxes,crime, parks and traffic.

When looking at townhomes and condos,Phipps suggests asking about condo feesand the history of special assessments forproject such as replacing the roof, whereunit owners share the costs. If the roof ap-pears to need repair, find out what reservesare in the repair fund.

George R. Moskoff, a licensed contractorin Sebastopol, Calif., warns against the“shroud of joy” that accompanies buyers,preventing them from looking at the housec r i t i c a l l y.

“The buyer is thinking ’How can I fit myfurniture in living room?,’ ’Where will the TVgo?’ and ’Where can we put our kitchentable?’ instead of ’Why does it feel so draftyin here?’ or ’How come there are brownstains on the ceiling over in that corner?’”Moskoff said.

Robert Irwin, author of “Tips and TrapsWhen Buying A Home” (McGraw Hill,2008), suggests buyers expand their hori-zons.

“The biggest mistake new buyers make isto limit themselves to one or two neighbor-

hoods or home styles,” Irwin said. “The big-ger an area you cover and more varied thetype of home you look for, the more likelyyou are to find something satisfactory. “

The most important question, Moskoffsaid, is to ask yourself: Will the house workfor us?

“It’s not a bad idea to list your or yourfamily’s needs on paper,” Moskoff said.

GET AN INSPECTION

Buyers are often expected to pay for a pro-fessional inspection of the home, usually be-tween $150 and $300. Some real estate ex-perts suggest inspecting the home beforemaking an offer (to see what you might begetting into), while others suggest inspect-ing it after the offer (to see what fixes youcan get the seller to pay for under pressureof losing the sale). Either way, experts sug-gest hiring your own inspector (not theagent’s preferred choice) and accompanyingthem during the inspection, asking ques-tions and listing your own concerns.

“Because of liability concerns, the writteninspection report is often bland and mayleave out many important concerns,” Ir winsaid. “But, speaking informally with you onthe inspection tour, the inspector may reveala host of potential problems that never getinto the written report.”

MAKE THE OFFER

Once you’ve decided upon a home, youmake the offer, which includes putting in“skin in the game” money, according toAlethea Smock, a broker with ZAPA Realty inthe Denver area. This shows the buyer youare serious about purchasing the home. Thissum may be applied toward your down pay-ment. The offer also includes other details— dates of inspection, closing and posses-sion, and may include requiring the seller tomake certain repairs on the property or ask-ing for some other property to be part of thedeal. You may also have to bid against otheroffers from other buyers. Most offers receivecounter-offers from the seller, resulting in aback and forth until the deal is struck — orlost. Some tips:

“Don’t fall in love with one property,” Ir -win warns. “Be willing to lowball the sellerand possibly lose the property, in the hopesof getting a bargain.”

Michael Schatzki, founder of NegotiationDynamics in Far Hills, N.J., said, “First-timehomebuyers tend to be younger and less ex-perienced as negotiators. As a result, theyoften pay more than they should.”

Don’t be afraid to start low, given theoversupply of houses on the market, Schatz-ki said. If the house is priced at $300,000and similar home have recently sold for$260,000, in a normal market you couldstart with a $245,000 offer.

But don’t expect the seller to agree rightaway, Schatzki said.

“What you are looking for is a counter-of-f e r, ” Schatzki explains. “If you don’t get acounter-offer, you can increase your offer ifyou want to. If you do get a counter-offer,then the game is on. Concede slowly, be pa-tient and take your time.”

Richmond said he likes to have his clientswrite a cover letter explaining to the sellerwhy the buyer loves this house along withother positive comments that reinforce theirinterest in the property.

“This is especially important if there aremultiple offers,” Richmond said. You are es-sentially trying to make them feel like youare a member of the family.”

Negotiating an offer may take weeks ormonths, but critical comments can sink asale fast, Phipps warns.

“I had a house several years ago,” Phippsrecalls. “The woman who owned it paintedthe house the same color of the 1956 Valiantshe had. She loved that car. One of the buy-ers I had said this was the worst color he hadever seen. Said it in front of the buyer. Thebuyer said she would not sell to this person.

“Don’t give the seller a reason to be of-fended,” Phipps said.

CLOSE THE DEAL

To get to this point, the seller must acceptthe offer. One of the most important tips isto humanize the deal whenever possible.Sellers take pride in their homes and wantto see a buyer who appreciates the home.

“The warmer and fuzzier you can make itfeel, the more likely you are to make some-thing work out with the seller,” Richmondsaid.

Step-by-step instructions for first-time homebuyersH& Real EstateRE

To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050

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

49-320330

PRICE LOCATION ADDRESS HRS OFFICE PHONE

$123,500 FORT COLLINS 4428 FLATTOP COURT 12-2 THE GROUP INC 970-481-1250

FROM THE $140’S NW LOVELAND 43RD & WILSON AVE. THE COTTAGES AT

ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 970-532-5900

140’S-220’S SE LOVELAND BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 ON N BOISE AVE., 1899 E. 11TH 10-6 MIDTOWN HOMES 970-456-4600

$151,000 SE LOVELAND 255 CARINA CIRCLE #104 1-4 THE GROUP INC 970-481-9801

$169,900* NW LOVELAND 4403 ELLIOT PL 12-5 THE COTTAGE REALTY 970-532-5900

$170,000 BERTHOUD 10818 CIMARRON ST #204 12-3 THE GROUP INC 970-556-3516

$179,900 JOHNSTOWN/ MILLIKEN 1849 CHESAPEAKE CIRCLE A, B, C 12-3 THE GROUP INC 970-567-0907

$190,000 NE LOVELAND 3402 RED MAPLE COURT 1-3 THE GROUP INC 970-388-4261

$190,000 NW LOVELAND 3314 WILLIAMSBURG ST 1-3 THE GROUP INC 970-481-1443

$200,000 NE LOVELAND 558 SUNDISK DR 11-2 THE GROUP INC 970-481-1250

$210,000 NW LOVELAND 2510 FAIRPLAY DRIVE 12-2 RE/MAX ALLIANCE 970-669-1234

$232,000 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 970-532-5900

STARTIN @ $250’S NE LOVELAND 1563 LA JARA ST/LAKES POINT 1-4 BURNS

CONSTRUCTION 970-669-8386

$260,000 SW LOVELAND 2766 27TH COURT SW 1:30-3:30 THE GROUP INC 970-679-8265

$279,900 FORT COLLINS 5457 WISHING WELL DRIVE 1-4 THE COTTAGE REALTY 970-227-3893

$289,500 NW LOVELAND 2580 LOCKBUIE CIRCLE 1-3 THE GROUP INC 970-227-0964

$298,664 NW LOVELAND 4355 RIDGWAY DR 1-4 THE COTTAGE REALTY 970-532-5900

$299,900 NW LOVELAND 1529 DRYLAND ST 1-3 THE GROUP INC 970-218-1891

$308,500 WINDSOR 7409 PIMLICO DR 12-5 THE GROUP INC 970-443-4047

$323,400 SW LOVELAND¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4 GLEN MARKETING TEAM, ERA 970-663-4522

$329,000 SE LOVELAND 4635 TARRAGON DR 1-4 THE GROUP INC 970-217-3464

$389,750 SW LOVELAND 975 PRISM CACTUS CIRCLE 12-4 GLEN MARKETING TEAM, ERA 970-663-4522

$440,000 NW LOVELAND 1600 SUNNYSIDE DRIVE 11-2 THE GROUP INC 970-690-9459

PRICE LOCATION ADDRESS HRS OFFICE PHONE

FROM THE $140’S NW LOVELAND 43RD & WILSON AVE. THE COTTAGES AT

ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 970-532-5900

140’S-220’S SE LOVELAND BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 ON N BOISE AVE., 1899 E. 11TH 10-6 MIDTOWN HOMES 970-456-4600

$151,000 SE LOVELAND 255 CARINA CIR #104 1-4 THE GROUP INC 970-481-9801

$169,900* NW LOVELAND 4403 ELLIOT PLACE 12-5 THE COTTAGE REALTY 970-532-5900

$170,000 BERTHOUD 10818 CIMARRON ST #204 12-3 THE GROUP INC 970-566-3516

$179,900 JOHNSTOWN/ MILLIKEN 1849 CHESAPEAKE CIRCLE A, B, C 12-3 THE GROUP INC 970-567-0907

$180,000 SW LOVELAND 1049 GRANT AVE 1-3 THE GROUP INC 970-227-0964

$200,000 NE LOVELAND 558 SUNDISK DRIVE 11-2 THE GROUP INC 970-481-1250

$232,000 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 970-532-5900

STARTIN @ $250’S NE LOVELAND 1563 LA JARA ST/LAKES POINT 1-4 BURNS CONSTRUCTION970-669-8386

$279,900 FORT COLLINS 5457 WISHING WELL DRIVE 1-4 THE COTTAGE REALTY 970-227-3893

$298,664 NW LOVELAND 4355 RIDGWAY DR 1-4 THE COTTAGE REALTY 970-532-5900

$299,900 NW LOVELAND 1529 DRYLAND ST 1-3 THE GROUP INC 970-218-1891

$300,000 NW LOVELAND 2536 GLENDALE DR 1-3 NO CO REAL ESTATE BROKERS 970-213-0077

$308,500 WINDSOR 7409 PIMLICO DR 12-5 THE GROUP INC 970-443-4047

$319,000 SW LOVELAND 4688 TWIN PEAKS CT 1-4 COLDWELL BANKER 970-980-7218

$323,400 SW LOVELAND¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4 GLEN MARKETING TEAM, ERA 970-663-4522

$329,000 SE LOVELAND 4635 TARRAGON DR 1-4 THE GROUP INC 970-217-3464

$389,750 SW LOVELAND 975 PRISM CACTUS CIRCLE 12-4 GLEN MARKETING TEAM, ERA 970-663-4522

Saturday Reporter-Herald D ecember 4, 2010 E6

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

H& Front Range GardeningRE

Light

CA RO L O'MEARACSU EXTENSION, BOULDER COUNTY

When the tip of the week hit mye-mail in-box, I knew the holi-days were arriving. Sent by the

Associated Landscape Contractors ofColorado, the subject line “What’s newin holiday lights?” was enough to kickstart my lagging spirit, which had beendampened by the long fall.

The e-tip spoke of trends for 2010, andoffered tips for how to make your yardlight up the neighborhood.

“Two things I’ve seen marketed thisyear are the LED and solar poweredlights,” said Chad Brunette, President ofThunderbird Designs in Denver. “LEDlights are growing in popularity; thoughthey’re expensive up front, you’ll savemoney down the road with them. Theydon’t get hot like incandescent lights, sothere’s less worry of hazard on trees andhouses.”

To get the most from your lights, gowith LED, said Brunette, an ALCC mem-

ber, and avoid the newer solar-poweredlights. “Solar powered Christmas lightsare pretty dim; I don’t see that the tech-nology is up to it yet. But it will be, if giv-en time. LEDs were like this when theyfirst came out; they weren’t as good asthey are now. At first, they were just thisdull white, but now the technology hascaught up and they’re brighter than in-candescents.”

LED lights take less energy to run —up to 80-percent — and last an averageof 50,000 hours, instead of the 25,000-hour lifespan of incandescent. And thenuisance of hunting for the one burnedout or loose bulb that keeps the wholestrand dark is a thing of the past withLEDs, which light up even if one bulb isshot. Made from epoxy resin, LED bulbsare harder to break than the glass incan-descents, said Brunette.

We ’re in transition at our place, caughtwith half of our lights LED and half in-candescent. The result is a hodgepodgeof sparkle; the tree and lawn ornamentsare blasted out by the blaze of light com-ing off the house. But each year we con-vert a few more strands, and our décor isslowly coming out of the dark ages.

When getting ready to string up yourhouse, keep a few tips from ALCC inmind. Multi-color lights are out; instead,single colors of white and one other col-or are in. “I read that this is because ofthe recession; we’re not supposed to bebright and festive,” said Brunette. “But Idon’t really buy that — I like multi col-ors.” And because I have multi-coloredlights for my house and don’t want tofeel hopelessly unhip, I agree with him.

But there’s beauty in single colorlights that capture the eye, if you knowhow to use them. The secret to gettingdrama with unvarying color is to mix

bulb sizes. Tricking the eye into thinkingthey’re twinkling, the combination oflarge bulbs (size C-7) with smaller lightsjazzes up icicle strands along gutters andbranch lights on trees. For the illusion tohave its best effect, match the colors.

Get your trees into the spirit by wrap-ping them up in lights. For a pro touch,wrap evergreens in a spiral, and if doingseveral evergreens, be sure to wrap in thesame direction in evenly spaced rows.Treat deciduous trees differently, sincetheir limbs are bare. Run the lightsalong the branches to highlight theiroutline, instead of trying to make them aspiral.

Think beyond the house by lightingfences, trellises, or pillars, suggests AL-

CC; add a touch of fun by stringingwheelbarrows with lights. Traditionalitems such as old children’s sleighs orwagons on the front porch sparkle with abit of light. Then sit back, and enjoy theshow. For more tips, check out the ALCCwebsite, at alcc.com.

up theHolidays

Photo courtesy Designs by Sundown

Trends include LED andsolar powered lights

KAT H Y VAN MULLEKMCCL AT C H Y-TRIBUNE

Don’t let the “grease Grinch” spoil your holidayhappiness.That’s the message from environmental and

public sewer experts — and plumbers.Instead of dumping turkey drippings and fryer oil

down your drain, think of ways to keep fats, oils andgrease out of the sewer system, even your septictank, if you have one.

“Fats, oils and grease rinsed down the plumbingsystem can congeal and block pipes, causing sewerbackups, not only in your home, but into the streets,ditches and gutters that flow into area waterways,”said Julia Hillegass with Hampton Roads PlanningDistrict Commission in southeastern Virginia.

“Pouring that same grease down a storm drain es-sentially pours it directly into a stream, river, lake,bay or ocean.”

Here’s what the commission’s turkey-frying tipssheet says about a plumber-free holiday:

WHAT CAN I DO WITH THAT OILY MESS?

Disposing of gallons of fryer oil is a little over-whelming. Pouring it down the kitchen sink or thestorm drain is likely to get you a clogged pipe. In-stead, use a container with a tight-fitting lid andchoose one of these options:

• Store the oil in the original container for reuse.Strain out any particles and freeze. Oil keeps up tosix months and can be reused for up to six hours offry time.

• Freeze it and then throw the hardened oil awayon trash day.

• Mix it with unscented kitty litter, sawdust orsand to solidify the oil. Dispose of it in the trash.Scented or disinfectant types of kitty litter can reactwith the oil and cause a fire.

• Recycle the oil at your community’s recyclingcenter

WHAT HAPPENS TO THE OIL AFTER I RECYCLE IT?

A recycler or grease-renderer turns the oil into rawmaterials which are then used to make fuel, pet food,poultry seed, soap, cosmetics, perfumes, antifreeze,glues, cement, and inks.

MORE DRAIN-SAVING TIPS

Grease often causes a majority of sewer blockageswherever you live. Typically, homeowners are respon-sible for maintaining the portion of the sanitary sew-er pipe that runs from their homes to the main sewerlines. Since the homeowner lines are smaller, theyclog more easily, so keep grease and food scraps outof your sink and toilet drains.

Scrape food scraps, oil and grease from kitchenutensils and equipment into the trash before wash-ing to help keep grease out of wash water.

Use a paper towel to wipe up small amounts ofcooking oil, such as meat drippings. Throw the papertowels in the trash.

Never pour oil and grease down the drain, andavoid using hot water to wash the grease away.

Don’t pour holidaycooking greasedown the drain

H& Home TipsRE

2 BDRM apt in SW Lvld isbright & cozy warm. Newcarpet, W/D hkkups, offstreet prkg, low utils. Privow n e r / q u i e t 4 - p l e x .

Avail NOW. $625Wil 970-690-5261

2 BDRM, $695/mo +elec, free heat & basiccable. New carpet &vinyl, fresh paint,newly remodeled ba.No pets. 970-663-6787 or

970-430-0859

2 BDRM $540 + elect,owner pays heat. $525 dep.

1414 E 7th St.Call 970-556-1558

2 BDRM 1 BATH, new win-dows, D/W, ONLY $575.

Call 970-226-5600FTCRENT.com

2 BDRM, 1 BA, lg kitchen,lndry on site, water/sewer/ trash paid.

1125 Gard Pl #1 $575/mo,Faith Property 970-377-1626

2 BDRM, 1 BA, gardenlevel, lg LR/DR, close todowntown, lndry on site.

1145 E 5th St.$550, wtr/swr/gas pd. N/P$200 move-in special!

Faith Property 970-377-1626

2 BDRM, 1 BA, bsmt apt,hkups, 1705 1/2 E 8th St,$725/mo Faith Property

970-377-1626

2 BDRM, 1 BA, $650/mo.WTR. PD! 2346 S Colorado,

Quiet. No smk/pets.970-218-0510

1 BDRM, no smoke/pets,near downtown, $475/mo,utilities paid. (970)663-3910

1 BDRM, 1 ba, very large,Avail now. Rent $685/moincl utils. 1 month sec depreq. Avail 2/1. 970-532-2901

1 BDRM/1 BA ground levelend unit w/ coin-op laun-dry, no pets, 558 10th StArmadillo 970-416-RENT.

rentfortcollins.com

1, 2 or 3 rooms StudioVintage apts. 0 utils! On-site mgmt. W/D, DirTV$335-$630. 970-219-6353.

Apartments/Unfurnished 4030

Kitchenettes. Weekly,monthly rates. Util. pd.Satellite TV, laundry rm.

970-663-0400

Apartments/Furnished 4010

To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place yourad any time of the day or night. Fax: 970-635-3677…email: [email protected]

3 BDRM- 1416 W. 25th, $895Deck, fncd yd, 1 car garCall rmpm.com 669-0842

2 BDRM- 410 22nd, $795.● 1/2 MONTH FREE!

Unf bsmt, 1 car, newer crptCall rmpm.com 669-0842

2 BDRM- 2343 SW 10th,$795/mo. Frplc, 1 car garCall rmpm.com 669-0842

2 BDRM, 1 ba, W/D hkups,avail now. 1570 E. 8th St,Loveland. $600/mo. + $600/dep. Tennant pays electric.No pets. (303)564-2360 orsee Miriam at 1562 E. 8th.

2 BDRM- 1624 E. 17th, $625.Patio, shared garage.Call rmpm.com 669-0842

1 BDRM- E. Eisenhower,$450/mo, new carpet.Call rmpm.com 669-0842

Duplexes 4060

3 BDRM- 2212 SW 3rd$975- Fin bsmt, 1 car garCall rmpm.com 669-0842

2 BDRM- 4715 Hahns Peak,$875/mo. Pets nego, frplcCall rmpm.com 669-0842

Condos/Townhouses 4050

6000 SF Retail/Warehouseon Hwy 287. Overhead door.970-593-2401 or 970-227-7447.

1900 sq ft Warehouse/retailin Loveland. 2105 E 11th St,Unit 140. 970-396-1165.

CommercialIndustrial 4040

BDRM, 1 BA, hw flrs, $495211 W. 8th St, Avail now!Faith Property 970-377-1626

LUXURIOUS UPSCALEAPARTMENTSSTUDIO, 1, 2, & 3

BEDROOMS- Pool, hot tub,24 hr. fitness center,business center, coffeeshop, salon, pizza & deli.OPEN HOUSE, Mon-Fri9am-6pm, Sat. 10am-5pm.325 E. 5th St., Loveland.

1-888-822-9346

3 BD or 2 BD- Free rent!Pets nego. Quiet & spac.$625-$795. 970-223-1349

Foothills AptsWINTER MOVE-IN

SPECIALS2 Bdrm Apartment Homes● Includes Washer & Dryer

● Park-Like Setting● Garages Available

1913 W. 15th St.970-669-7850 - Sorry no pets

Apartments/Unfurnished 4030

3 BDRM- 222 SW 42nd, $850Newer carpet, BIG!

Call rmpm.com 669-0842

3118 N. Lake, avail 12/15.Clean, 1.75 ba, A/C, gasheat, 3 bdrm, fncd yd, goodneighbors. Owner paysH2O, $1100/mo, $900 dep(970)222-9093

3117 BUTTERNUT DR3 bdrm, 1 ba, single cargar, frpl, no pets. $850/mo.970-667-8463 or 970-203-5381

Berthoud 3 bdrm, 2 ba, gar,A/C, fncd yd, N/P N/S $995Cottage Realty 970-532-2695

2 BDRM- 925 Lincoln,$995. Old Town, GREAT!Call rmpm.com 669-0842

EQUAL HOUSINGOPPORTUNITYAll real estate

advertised in thispaper is subject to thefederal and state FairHousing Act whichmakes it illegal toadvertise “any

preference, limitationor discrimination

based on race, color,religion, sex, handicap,familial status or

national origin, or anintention to make anysuch preference,limitation, ordiscrimination.”

The newspaper willnot knowingly acceptany advertising for

real estate which is inviolation of the law.All persons are herebyinformed that all

dwellings advertisedare available on anequal opportunity

basis.

Houses 4080

STORAGE 20 x 40with 14´ overhead door.

$325/mo. Call (970)481-5899

1 CAR GARAGE- $75/mo.Great for storage.

rmpm.com. 970-669-0842

Garages/StorageSpaces 4070

AVAIL IMMED! 1200 SF- 3bdrm, 1.5 ba, fncd bkyd &carport. $850 + $850 dep +utils. Lvld, (303)772-7390

3 BDRM- 3407 Ash, $8751 car gar, fncd yard.

Call rmpm.com 669-0842

3 BDRM, 2 ba, gar, W/Dhkps, $700. No pets/smk. 8Birkley Ct Lvld 970-667-3353

3 BDRM, 1 bath 502-504Jocelyn, Lvld, 2 car gar,fncd, N/P, N/S $775/mo +

dep. 1 Avail 12/10 &1 Avail 1/1. 970-586-1669

Duplexes 4060

✭ 2 BEDROOM HOMES ✭$575 to $650 + dep.

West Hwy 34. Pets nego.Se Habla Espanol

970-685-8573

Mobile Homes/Spaces 4090

✔✔✔✔To ensure you receive

the best response to youradvertisement, pleasecheck your ad the first

day of publication.We regret we cannot be

responsible for morethan one day´s incorrect

insertion. Billinginquiries can be

initiated within 30 daysof ad expiration.

OWN your own home forwhat you pay in Rent!

Lowest rates,$0 - $1000 Down

Free Prequalification.Western Plains Realty

Ken or Tammy970-663-5008

Horse Property- 3 bdrm,2 bath farmhouse. $1600/mo + dep, A/C, w/loafshedadditional monthly [email protected]

(912)222-9234

Big Thompson WaltoniaLandscaped 2 bdrm/2 ba,W/D, Hottub, N/S, 2-carheated gar. Min 6-mo lease$1500/mo. Dep reguired.

Msg #435-619-0971

BERTHOUD- 4 BDRM,2.5 ba, 2200 SF, gar, fncd,near HS. $1250. 303-775-3331

$99 MOVE IN SPECIAL3 bdrm, 1.5 ba, located inMilliken. $995, 970-310-3855

4 BDRM, 4460 Hayler$1250/mo, fin bsmt, N/P.Call rmpm.com 669-0842

3 BDRM, w/bsmt, A/C,DW, new carpet in WestLvld. $950/mo. w/12 monthlease & sec dep. Pets on

appr. (970)685-8573

NICE 3 bdrm w/ bsmt, 13⁄4ba, frplc, 2 car gar, A/C, 6ft. privacy fence. 1 yrlease. Ref´s req. No pets.$1,050/mo + dep. SW Lvld.970-593-0937, 970-290-7740

3 BDRM, 335 Lark Bunting-$1250/mo. Great Condition!Call rmpm.com 669-0842

3 BDRM, 2.5 bath in NWLoveland, 2 car gar, hottub.

No smoke/pets nego.$1200/mo. (970)420-7687

Houses 4080

NEW 4 car ranch, 5 pcbath, 3 bdrm, 2 ba, a/c,frpl, bsmt, stone ext $268,450Cottage Realty 970-532-5900

BANK OWNED-Tri-Lvl, 3 bdrm, 3 bath w/bsmt. New floor coverings,int paint & appliances.$174,900. Re/Max Alliance,Wanda Quaid, 970-481-3033

Loveland 5110

WOW WHAT VIEWS!2.8 acres, water tap in &paid. Electric close, septicneeded & Ish res irrig wtr.$100K, just SE of Berthoud.Call Mark Sullivan at ERATradewind (303)684-6335

Farms, Ranches,Acreages 5050

LEASE 2400 SF Shop with300 SF Office, $980/mo

Also avail, 3 bdrm house w/3 car gar, additional $900/mo. Call (719)433-5095

Exceptional property forliving, business or both.1268 N. Cleveland Ave.Call (970)420-3495

Commercial 5030

Share quiet 2 bdrm, 1 ba.Must see, inc Hi spd int, TV& phn. $375/mo + $100 dep+ half utils. 970-203-0263

1 ROOM AVAIL in Jan.Quiet 5 bdrm home. Shareba, lndry. No smoke. Clean& responsible. Need creditreport. $225. (970)622-0288

RoommatesWanted 4120

West Eisenhower Office4 room office suite.Eisenhower Frontage.Plently of off-street

parking. Elegant historicbuilding. $1250/per monthplus utilities for all or

will subdivide. 970-481-7580

OFFICE SPACES-Utilities included.

970-613-1477

Downtown corner loc, bldgw/ 3 ofcs/recept area. 4 carprkg. $1000/mo 970-667-5145

Office Space 4100

Eagles ExtraOnline

reporterherald.com

´03 Mobile Home- 16x80,3 bdrm, 2 bath, stor shed.$29,999. (303)772-4324

14´X70´ in Adult Park ●Very well kept in greatcondition! 3 bedroom, 2ba, all appliances.

Asking $33,500. 1351 SylmarPark. (970)667-5868, lv msg.

✭ MOBILE HOMES ✭BUYING/SELLING

Beautiful Home in LvldSunset Retirement Park,only $14,900. We´re buyingtoo! Big Sale! Many single& dbl wides. Fin avl, autoapproval on owner fi-nanced homes. 970-222-1473✭ 690-2725 or 690-3283 ✭

Mobile/ManufacturedHomes/Spaces 5130

Saturday Noon-2pm2510 Fairplay

5 bdrm, 3 ba., newer roof,furnace, A/C & carpet. 3living areas. Hugh garage.$210,000.Kathy 970-290-1798

ReMax Alliance

NEW At Foreclosed PricesBoise Village NorthHomes $149k-$219k(970) 456-4600

1899 E 11th St, Loveland

A picture is wortha thousand wordsTry a classified picture

ad! Call for details970-635-3650

Loveland 5110