Real Estate Weekly March 8, 2014

LISTINGSfort collins • loveland •windsor

wellington • timnath

3,208SATURDAY, MARCH 8, 2014

Model Homes OpenTuesday - Sunday

1 – 4 PM or By Appointment

The Patio Homesat WildWing

Nestled along the eastern shores of TimnathReservoir sitting on the highest ground in WildWing, ThePatio Homes at WildWing are designed to take in the spectacularpanoramic views of Timnath Reservoir and the Rocky Mountains.Built by Hartford Homes, Northern Colorado’s premier patio homebuilder, The Patio Homes at WildWing capture all the features thatmake WildWing and patio homes unique:

WildWing truly is an extraordinary place to call homethat will have you saying, “This is why I live in Colorado!”

Spectacular Views • Easy Living • Low Maintenance

Spectacular Lakefront Views

Sandpiper

Canvasback

Osprey

FC-0000384305

FLAT FEE LISTINGSSell Your Home for Less than $500!

BUYER REBATES!1% BACK to YOU!

Michael Nicholson:Broker/Owner

[email protected]

Don’t pay 6% to Sell YourHome! It is Your Money!

Home Savings Realtywww.HomeSavingsRealty.net

We Contribute 1% of Your Purchase Price Back to You at Closing!

It’s Time forReal Estate tobe About theConsumer!

FULL SERVICELISTINGS FOR 1%!

2109 Katahdin Drive • Decorated Model • Homes from the $300sThe Strater Plan is an up-to-date 2-story with 9 foot and vaulted ceilings; 4 bedrooms,4 baths and laundry upstairs; main-floor study; 3-car garage, and a full, unfinished lower level.The big open kitchen/eating area open’s to the great room. Lots of light and volume in this well-laid-out home. Price includes hickory hardwood flooring in kitchen and nook, and complete frontyard landscaping and financing incentives. Many floor plans to choose from!

TheBuckingHorseCommunity is a centrally located neighborhoodwithinwalkingdistance to the shops at Rigden Farms, a grocery store, churches and schools. Communityamenities include small parks, a neighborhood swimming pool community clubhouse and a 6acre city park. Community gardens, a working farm, and expansive trail system and a dog parkcreate a wonderful neighborhood for active families.

Joey Porter 481-4814 Todd Fields 218-3535Becky Vasos 217-9874 The Group Inc. 229-0700

OPEN HOUSE Friday - Monday 1-4pm

FC-0000386216

19943 CountyRoad 15

$499,900 Johnstown

Catherine RogersCatherine Rogers970-988-1030www.rogersrealty.net

[email protected]

• Completely Renovatedand UpdatedTurn-of-Century CountryFarmhouse!

• Gaze out at spectacularpanoramic views of theFront Range!

• Approximately 5Peaceful Acres!

• 4 Spacious Bedrooms/3Baths

• 3 car detached garagewith 3 outbuildings!

• 3,689 Total FinishedSquare Feet

MLS# 727154www.19943CountyRoad15.com

FC-0000390511

Look to us Saturdaysfor a successful home search.

FC-0000382105

Check outyour locallisting here

2 SATURDAY, MARCH 8, 2014 REAL ESTATEWEEKLY An advertising supplement serving Northern Colorado | www.coloradoan.com/homes

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NEWHOMEDEVELOPMENTS

Highland MeadowsHighland MeadowsGolf Course CoGolf Course Commmmunityunity

(970) 226-HOME (4663)www.abbcobuilders.com…the Difference is in the Detail…

ABBCO BUILDERSABBCO BUILDERS

You Pick the Home... We Have the View!You Pick the Home... We Have the View!

Eight Beautiful Models to Choose FromEight Beautiful Models to Choose FromHome Prices Starting in the low $400’sHome Prices Starting in the low $400’s

*Only 3 Lots Left in Phase 3 - Reserve Yours Today**Only 3 Lots Left in Phase 3 - Reserve Yours Today*Call for an appointment Today!Call for an appointment Today!

FC-0000385800

Highland Meadows Golf Course Community in Windsor, CO

Single Family and Patio HomesPrices starting in the $400sMany plans to choose from!to chchoooooosesese ffffror m!

Each office independently owned & operated | 970-226-3990

Many plans

Amber Baray970-213-0194

Call the Gene Vaughan Team

Laura Gippert970-222-8026

Single Family and Patio HomeG V h T

7243 Crystal Downs Dr. Open Thursday-Sunday 1-4

FC-0000385823

FC-0000388153

FC-0000389318

Low maintenance patio homes in TrailHead by Triton Communities. Severalmodels and options to choose from!Main level masters, ranch plan, open& spacious, perfect for entertaining,plus 9-foot ceilings throughout. Fullunfinished basements and attached2-car garages. All this and just 5 minutesfromOld Town 1mile east of 125 on VineDr.

Low Maintenance PatioLow Maintenance PatioHomes in Trail HeadHomes in Trail Head

SebrinaOsilka -Onsite Sales at Trail Head970.361.6786sebrina@tritoncommunities.comwww.TritonCommunities.com

E Vine Dr

OLD TOWN

E Mulberry St

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www.coloradoan.com/homes | An advertising supplement serving Northern Colorado REAL ESTATEWEEKLY SATURDAY, MARCH 8, 2014 3

www.thegroupinc.com

Harmony Office970.229.0700

Horsetooth Office970.223.0700

Mulberry Office970.221.0700

Centerra Office970.613.0700

Loveland Office970.663.0700

Open Houses This Weekend

SUNDAY 1-35018 Blackhawk Drive, Windsor-Just completed! New ranch plan on2.8 acres, open flr plan, slab granite,hickory flrs, den/study, master suite isseparate from other bdrms, oversized3 car garage, full unfinished bsmt,close to MCR & Centerra w/easy I-25access!

$500,000MLS#697132

Call Beth Phillips(970) 449-3345

SUNDAY 1-35024 Blackhawk Dr, Windsor-Justcompleted-move-in ready! New mainfloor master 2 story with dramatichigh ceilings, 3 generous guest roomsup, main flr den/study and fantasticmaster suite,oversized 3 car garage,all on 2 1/2 acre lot! Close to MCR &Centerra w/easy I-25 access!

$500,000MLS#697135


SATURDAY 2-47113 Silvermoon Ln, Fort Collins- 5bd/4ba exquisitely built andfinished custom home with wonderfulmountain views.HonoredasaKitchenKaper home, deluxe appliances, handplaned wide plank walnut flooring, 1acre lot, finished walkout basement.

$772,000MLS#728587

Call Nicole Huntsman(970) 402-0221

SAT & SUN 1-44301 Halleck Ln., Wellington - Newmodel home by Sage. Roaring Forkplan with 4 bedrooms up, 3 cargarage and options/upgrades. Baseprice $261,000. 10 plans to choosefrom starting at $213,000.

$246,000MLS#

Call Michael Hurd (970) 227-5932or Ray Henry (970) 215-0918

SUNDAY 1-35285 Blackhawk Dr. Windsor-Gorgeous home on over 2 acresin popular Steeplechase. Locatedon one of the few equestrians lotsallowing you to have your horses inyour own backyard! Very open floorplan, 3 beds & 4 baths. Plenty of roomto build a shop/barn.

$489,900MLS#723031

Call Patti Watkins(970) 776-0117

SAT & SUN 1-36676 Royal Country Down - A MustSee 4+ BD/ 3.5 BA /3 CAR customhome facing the Highland MeadowsGolf Course range. Open Floor Planw/hickory wood floors, alder cabinets& doors. Bsmnt rec room w fireplace& gourmet kitchen inc 5 burner gascook top & stainless appliances.

$569,900MLS#728689

Call Tiffany Luthi (970) 691-4838or Beth Bishop (970) 692-9600

SAT & SUN 1-46923 Winterpeak Ct., Timnath -Peaceful and serene. Lovely lowmaintenance patio home. Openfloorplanwithmain floor study.Granitecountertops throughout, Boschappliances, wood floors, coveredTrex deck with views of reservoir andmountains. Beautiful!

$550,000MLS#720688

Call Judy Bogaard (970) 227-1000or Brian Bogaard (970) 481-5376

SATURDAY 11:30-1:301448 Bison Run Drive, Windsor-Custom home with beautiful woodflrs, soaring windows, magnificentmountain views! Spacious room forentertaining both on the main leveland finished walk-out basement. Sunporch, trex deck and large patio! Trulya quality built custom home!

$840,000MLS#715740

Call Sheila Benshoof(970) 227-9802

SAT & SUN 1-35224 Horizon Ridge Dr.-Gorgeousranch style home built by AwardWinning Oak Valley Homes. 5bd, 3bahome backing to private open space.Customfinishes, openfloorplan,maplefloors, granite counters, luxuriousmaster suite. Finished basement withrec room. Move in ready!

$400,000MLS#728251

Call Pam Cass (970) 222-6025or Patti Watkins (970) 776-0117

SATURDAY 1-34720Dusty Sage Loop #2 FTC-Backsto access trail to Fromme Prairie.2bd, 3ba, walkout basement. Greatroom plan with Alder doors and trim.Quality throughout. Enjoy the lowmaintenance lifestyle.

$415,000MLS#


SAT & SUN 1-36408 Garrison Ct. FTC-Wonderful3bd, 3ba home backing to greenbeltin Westchase. Electric range, doubleoven, kitchen island, new windows, 2fireplaces and the hot tub is included!Unfinished basement for futureexpansion.

$425,000MLS#

Call Todd Fields 218-3535 orBarb Imes 581-8279

SAT & SUN 1-4Streamside-Come find new excitingdesigns and floor plans. Modernstyle homes with a comfortable feel.Ranches&2 story single family homesstarting in the 300’s. Open conceptliving & Old Town Charm! Stop at thesales trailer at Prospect & Ellis.www.streamsidefortcollins.com

From the $300’sMLS#

Call Paul Schnaitter(970) 222-8841

SATURDAY 2-47108 Housmer Park Drive, FortCollins-4 BD/4 BA 4,602 SF 2 StoryStonybrook’s popular Westfield plan.Lrg main floor office and formal diningroom. 4 beds upstairs. Fabulous openandspaciouskitchenw/walk-inpantry& butler’s pantry. Full landscaping &sprinkler system.

$635,000MLS#724934


SATURDAY 11-13715Copper SpringDr., Fort Collins- 6bd/5ba custom home loaded withextras including gourmet kitchen withsilestone counters & butler’s pantry.Finished daylight basement completewith wet bar, 2 laundry rooms.Wonderfully landscaped, backs toopen space & views!

$879,000MLS#720335

Call Nicole Huntsman(970) 402-0221

SAT & SUN 1-46913 Water View Ct., Timnath -Fabulous new patio homes beingbuilt in Wild Wing by Hartford Homes.Beautiful new ranch & 2-story plansw/some walkout basements. Pricedfrom $370,000-$670,000 base. Patiohomes w/some incredible viewsoverlooking Timnath Reservoir.

$370,000-$670,000

Call Judy Bogaard (970) 227-1000or Brian Bogaard (970) 481-5376

SATURDAY 2-47223 Laramie River Drive, FortCollins-4 BD/4 BA 4,893 SF 2 StoryOpen & spacious main flr mstr w/3addtl beds, 2 baths & lrg loft on2nd flr. Lrg kit w/adjacent nook &walk-in pantry opening to great rm.Welcoming entry opening to main flroffice & formal dining.

$620,000MLS#724936


SAT & SUN 11-55739 Coppervein Street, KechterCrossing-Meritage Homes is nowselling homes at Kechter Crossingfrom the low $400’s, 2 story andranch plans. Visit our model at 5739Coppervein Street or call DanaEdgerton at 970-980-6524.

$429,950MLS#719611

Call Chris McElroy(970) 227-5102

OPEN DAILY 10-66821 Rock River Rd, Timnath-Meritage Homes is now selling homesat Timnath Ranch from the low $300s,2 story and ranch plans. Homesback to open space, close to BethkeElementary. Visit our model at 6821Rock River Rd or call Russ Webber at720-341-3425.

$335,950MLS#715319

Call Chris McElroy(970) 227-5102


www.thegroupinc.com







SATURDAY 12-22802 Paddington Rd., Fort Collins- 4bd/4ba 2 story in English Ranch.Kitchen includes granite counters, tilefloor and stainless steel appliances.Finished basement with 4th bedroom,3/4 bath and rec room. Large fullyfenced yard with sprinkler system.

$295,000MLS#728920

Call Kim Doll445-8604

SATURDAY 1-34157BuffaloMtnDr-This is an energyefficient 3bd/3ba home with featuressuch as hdwd flrs, ss appliances,finished attic great for a 4th bdrm &main flr laundry. Kitchen is open tofamily rm w/cozy gas fireplace. Masterbdrm perks include wlkin closet, 5piece bath & a double sided gas fp.

$279,900MLS#728496

Call Mark Miles(970) 227-8887

SUNDAY 1-31345 Settlers Dr, Eaton - NewConstruction in Governors Ranch.Beautiful 3 bed 2 bath 3 car homehas Andersen windows, granite,tile, hardwood, stainless steel, lowmaintenance exterior, covered patio.

$290,000MLS#713944

Call Shawn Golding(970) 396-4043

SAT 12-2 & SUN 12-36136 Bay Meadows Dr.- 4 bd, 4ba, 3995 SF Patio home in HighlandMeadows, backs to open space. Openplan, loaded w/upgrades, study, formaldining. Finished walk-out bsmt, wet bar,rec rm, ample storage space. 2 coveredback patios. Oversized 2.5 car garagew/18’ wide door. All appliances included

$555,000MLS#728382

Call Jessica Tate(970) 305-2400

SUNDAY 1:30-3:30103 Poudre Bay-Mstr suite w/5 pieceba & wlkin shower. Countertops &showers refin. Mn lvl din rm, eat inkit & sun rm w ht tub. Vltd ceilingsin liv rm w flr to ceiling windows. Finbsemt w rec rm & wt bar. Fin storagein bsmnt & garage. Oversized lot, opspace & cul-de-sac.

$384,000MLS#724406

Call Mike Smith(970) 518-0645

SATURDAY 1-3302 Charles Ave. Severance-Thislittle home packs a big “WOW”when it comes to living space, bothinside and out. 5bd, 3 bath, 2-cargarage and finished basement. LowE windows and roof installed in 2012,new A/C in 2013. Aggressively priced!See it today!

$229,000MLS#728686

Call Amber Kahler(970) 310-4170

SUNDAY 1-36127 Carmichael St., Fort Collins- 4bd/3ba Great 2 story in popularWestchase. Main floor living, dining,kitchen/eating area, bedroom &3/4 bath. Master up with 5 pc bath,2 additional beds and Jack & Jillbath plus laundry. Large deck withmountain views.

$367,900MLS#728412

Call Greg Bever(970) 215-1722

SAT & SUN 12-5260 Boattail Drive, Fort Collins$435,000-$630,000 Coming soon!Gorgeous 2 story w/main flr mstr &study on 1/2 acrewalk-out lot backingto open space in exciting newsubdivision! Auburn Estates is FortCollins newest premium executiveestate subdivision

$619,720MLS#715443

Call Lisa O’Brien-Suchy(970) 566-0995

SAT & SUN 1-37861 Handy Ct. Ft. Collins. Beautiful5BD 3BA 3723 sf 2 story on over 1/3acre. Formal living & dining rooms,2 story family room, eat-in kitchenw/granite. 981 sf garage w/RV bayw/12’ door & workspace. Maturelandscaping, patio, BB court &playground. Unfinished basement.

$409,900MLS#727085

Call Jeffrey Martin(970) 599-4436

SATURDAY 1-36826 Nimitz Drive B101, Fort CollinsNew Construction Townhome StyleCondos! 4 plans available. Ranch& 2 Story w/main flr mstr. 2 car attgarages. Unfin bsmts. Vaulted ceilings.Courtyards & fenced patio areas. Lowmaintenance. Energy Efficient. Pricedfrom $234,900-$279,900.

From $234,900-$279,900

Call Dianne Breneman(970) 222-8549

SATURDAY 1-31039 W Mountain Ave, Fort Collins.3 bd/3ba 1,902 sf, ranch. Nostalgiccrafts-era bungalow on the outside,total remodel on the inside. New kitc &newbathsw/customcabinets, granite& gorgeous tile finishes! Great lighting,new windows, & new furnace. Woodfloors on the main flr.

$415,000MLS#725010

From $234,900-$279,900

Call Nancy Walker(970) 237-0585

Call Rachel Burhans310-7664

SAT 11-1 & SUN 1-31626 Beamreach Pl, Fort Collins.3 BD/ 2 BA 3,580 SF RANCH. Newplan by John Walz! Very open w/ splitmaster, great living spaces, lots ofhardwood flring, oversized garage &more! Lake Access. Enjoy quiet livingat Richard’s Lake! Ready in 60 days!1614 Beamreach is model home!

$392,900MLS#727394

Call Cary Irvin (970) 290-7698or Anita E. Pool (970) 412-9609

MON & FRI 1-4 SAT & SUN 1-42105 Nancy Gray Ave. Healthylifestyle living with expansive trailsystem, pool, community gardens,open space,working farm, and artisanvillage (all coming soon). 3 models tochoose from starting in the $220’s.Visit the sales office at TimberlineRoad and Sandbur Drive.

Starting at $230,000MLS#711422

Call Jason Billings(970) 581-6444

SATURDAY 11-13268 Wild West Ln, Wellington. 3bed/3bath2-storyhomew/upgrades!Wood floors, city scape cabinets,SS appliances, whole house waterfilter, and customized bath. Fantasticmaster suite w/ 5pc bath & walk-in.Hot tub & A/C included! Backyard w/strawberry & raspberry gardens!

$229,000MLS#728592

Call DR Phillips(303) 956-8134

SAT 2-4 & SUN 1-34618 Angelica Dr, Johnstown.MOTIVATEDSELLER!Custom 5,611SF ranch home by John Walz onthe bluff with incredible views! Veryopen floor plan, 3 bedrooms, study, 3baths, oversized 3 car garage, Tharpcabinets, stainless steel appliances,granite counters, & more.

$729,000MLS#707769

Call Cary Irvin(970) 290-7698

SATURDAY 11-12:303424 Sun Disk Ct, Fort Collins. 3 bd/2 ba, 1,700 SF, ranch. Totally updatedcream puff in West Fort Collins nearRocky Mountain High with new woodlaminate floors, new bathrooms, newbasement finish, new paint, newstainless appliances (to be installed)and so much more!

$245,000MLS#725106

Call Nancy Walker(970) 237-0585

SUNDAY 2-46750 Pumpkin Ridge Dr, Windsor. 6bd/5ba, 4,415 SF, 2-story. Solid wooddoors, stylish tile accents, granitecounters in kit & somuchmore! Luxurymaster suite complete w double sidedfp, 5 pc ba & huge closet. Entertain inthe finished basement complete wguest suite & wet bar.

$550,000MLS#722437

Call DR Phillips(303) 956-8134

SUNDAY 11-16826 Nimitz Drive B101, Fort CollinsNew Construction Townhome StyleCondos! 4 plans available. Ranch& 2 Story w/main flr mstr. 2 car attgarages. Unfin bsmts. Vaulted ceilings.Courtyards & fenced patio areas. Lowmaintenance. Energy Efficient. Pricedfrom $234,900-$279,900.

POSTPONED


www.thegroupinc.com







SAT & SUN 12-2502 Wayne St, Fort Collins-3BD/3BA 2,797 SF Ranch, completelyremodeled one of a kind all brickbungalow by Jamestown Builders.Just blocks away from City Park andOld Town Square with unique, hipstyling you have come to expect fromJamestown Builders.

$625,000MLS#722917

Call Tony Schnee (970) 412-0010 orBerin Wachsmann (970) 214-2277

DAILY 1-56424 Murano Drive, Windsor - Stop& visit our MODEL HOME, open daily1-5pm. This Castelllo ranch plan has 2beds, study, 2.5 baths, 3-car garage,covered deck & patio, entry courtyardbacks to golf course. Get informationon our 7 High Performance Homesstarting in the low $400s.

$750,000MLS#660867

Call Dennis Pfeifer(970) 227-6646

SATURDAY 12-41077 Hawkshead Street, Timnath-GRAND OPENING! Seven homesavailable with ranch and 2 storyplans. Highly upgraded including slabgranite, wood flooring, stainless steelappliances, 8 foot interior doors, andmuch more.

From the mid $400’sMLS#720767

Call Carole Newberry(970) 443-4047

SATURDAY 11-11407 Indian Paintbrush Court, FortCollins - 4bd, 2ba, Tri-Level, 1645 sf- Wonderful home in quiet cul-de-sac,looking over open space & pond! Newstainless appliances, hardwood floorsin kitchen, water heater, & paint! Studyin lower level could be 5th bedroom.

$250,000MLS#728576

Call Katie Shea(720) 231-8179

5 MINUTES

TO

OLDTOWN!

SUNDAY 12-41077 Hawkshead Street, Timnath-GRAND OPENING! Seven homesavailable with ranch and 2 storyplans. Highly upgraded including slabgranite, wood flooring, stainless steelappliances, 8 foot interior doors, andmuch more.

From the mid $400’sMLS#720767

Call Nikki Onda(970) 691-0176

SATURDAY 1-32600 Marina St., Evans - 3bd/2bagreat open concept ranch inWillowbrook. New roof with 3dimensional shingles, new flooringin kitchen, front porch, central A/C,and basement has been framed in forfuture expansion.

$168,000MLS#

Call Michelle Hubbard(970) 690-6706

City Greening

THESE ENERGY EFFICIENT CITIES COULD HELP YOU SAVEMONEY ON UTILITIES AND HOME UPGRADES

If you live in Boston,Portland (Ore.), NewYork City, San Francis-

co, Seattle or Austin (Texas),you’re residing in one of ournation’s greenest cities, anew report by the AmericanCouncil for an Energy Effi-cient Economy says.

The ACEEE’s first everEnergy Efficiency Scorecardanalyzed the country’s 34most populous cities. Bostontook the top spot with 76.75points out of a total 100.

The top-scoring city wasnot the leader in all five pol-icy areas, says Eric Mackres,

one of the report’s authors.A number of cities were highscoring in more than one cat-egory.

“I think it’s an excitingtime with a lot going on atthe local level with citiesadopting policies, programsand initiatives around energyefficiency,” Mackres says.

Based upon five criteria(local government opera-tions, community-wide ini-tiatives, buildings policies,energy and water utilitiesand transportation policies),the report scored cities ona number of metrics within

each policy area. Overallscores were gathered fromeach city’s five policy areascores.

The report divided citiesinto six tiers of those withsimilar scores. The cities thathave the most potential torise in the rankings are thosefound in the second tier(Washington, D.C.; Minne-apolis, Minn.; Chicago; Phila-delphia and Denver), accord-ing to Mackres.

“Those are the up-and-comers that maybe don’thave as much of a historicaltrack record in doing a lot on

energy efficiency, but havereally taken to it over thepast decade or less and aremaking significant progressby launching a lot of newpolicies,” he says.

If you’re looking to buya home, new programs mayhelp you to estimate futureutility costs. “These disclo-sure policies are attemptingto fill that information gapand make it easier for folksin the real estate market tounderstand what their costsare going to be related to en-ergy,” Mackres says.

-- Alexandra Gallucci© CTW Features


Mortgate Rates Mar 6, 2014 Mar 7, 2013

U.S. Fixed-rate 30 year 4.28% 3.52%

U.S. Fixed-rate 15 year 3.32% 2.76%

Southwest Fixed-rate 30 year 4.34% 3.55%

Southwest Fixed-rate 15 year 3.38% 2.80%

10 things that make ahouse a good home

By Brendon DeSimone

Buyers spend a lot oftime looking at prop-erties online, touring

homes on the Sunday openhouse circuit, and talkingto their real estate agent.They’re laser-focused on find-ing the best home that meetstheir needs. The problem is,buyers sometimes don’t takethe long view of a property.They’re only looking at ahome as a potential buyer– and not as someone who,years down the road, mayalso have to sell the property.Given that homes are such abig investment, there shouldbe a little inside your head,picking away at your optionsand decisions.

As the home buying mar-ket starts to heat up again,here are ten things youshould consider when choos-ing your next home.

1. Location, location,locationPerhaps nothing is more im-portant than the three L’s,and there’s a reason why it’ssaid three times.Location is extremely impor-tant when it comes time tosell. You can have the worsthouse in the world with theugliest kitchen and bath. Butput it on a great block or ina good school district, andyour home will be coveted.Location, location, locationmatters on so many differentlevels. At the highest level isthe town where the house islocated, then the school dis-trict, then the neighborhoodand the block — right downto the location of the lot on

the block. Keep all of this inmind when shopping. Alsoremember that while real es-tate markets rise and fall, noone can take a great locationaway from you.

2. The school districtThe school district is right upthere on the list of what’smost important to many buy-ers. It’s not uncommon forbuyers to start their searchbased solely on the school

district they want to be in.Parents want their kids to goto the best school, which candrive up prices of homes inthose districts. Even thoughyou might not have chil-dren, buying a home in agood school district is alwayssmart. If the schools are de-sirable, homes tend to holdtheir value. As a homeowner,you should always be awareof how the schools are do-ing, not unlike being aware

of your roof’s condition, theneighborhood developmentor city government.

3. The home’s position onthe lotWhere the home sits on thelot in relation to the streetor the overgrown oak arekey elements in picking outa home. In the case of acondo, an end unit vs. aninterior unit is a key con-sideration. You may have

chosen the most beautifullyrenovated home in the bestschool district and figure allis good. But if the main livingareas are shaded by a neigh-bor’s extension or the mas-ter bedroom looks into theneighbors’ family room, youmay have a location prob-lem. Light or privacy may notbe a hot button for you, but

See 10 THINGS, page 10


The past couple ofmonths have provedto be a challenge in

getting some homes to ap-praise to current values be-cause of the continuing priceincreases in Old Town. This isprimarily due to the lack ofinventory in this area. Manyhomes are getting multipleoffers within a few days ofgoing on the market, there-fore, buyers are bidding upthe price, resulting in sellersaccepting offers above listingprice.

If the buyer is getting aloan, the appraiser that ishired by the lender will haveto use comparable sold list-ings of properties that have

sold in the last 6 monthsto justify the home’s value.Since market prices have in-creased in relation to wherethey were 6 months ago, andthere are so few new sales touse as comparable proper-ties, it’s hard to find appro-priate sales to support theseincreases.

Appraisers might have toconsider using homes thatare under contract but notyet closed, and may alsoneed to make adjustments tothese changing market con-ditions. Lately, we are seeinghomes that are not apprais-ing at the contract price,which results with the buyerrequesting that the seller ad-just the price accordingly.

With so much demandfor their home, sellers arereluctant to do this and willjust as well accept anotheroffer and take their chancesthat the next offer will nothave any appraisal issues, oreven possibly receive an all-cash offer where there is no

financing and/or an appraisalcontingency.

It’s good news for thesellers that many of themhave these options, but notso great news for the buyerswho end up losing the hometo someone else through nofault of their own.

A Realtor can help in thisprocess by providing the ap-praiser with a current marketanalysis, to show other prop-erties that are under contractand ready to close for the ap-praiser to consider when de-termining value. If we saw anincrease in inventory to meetthis buyer demand, it wouldcertainly be a more stablemarket in Old Town, allow-

ing buyers to find a homewithout having to inflate theprice in order to get a home.

Emily Heinz & Anne MarieSchachte are Broker/Own-ers of Downtown RealEstate Partners, LLC -409Mason St. Bldg. C Suite121, and can be reachedat [email protected] 970-988-9367 &[email protected] 970-231-5473 orat oldtownforsale.com.Your comments are alsowelcome so leave us avoice mail directly on ourwebsite, oldtownforsale.com, follow us on Twitteror visit us on Facebook!

1018 Centre AvenueFort Collins, CO 80526

970.221.5995

ftcollinshomes.com

WWW.FACEBOOK.COM/REMAXADVANCEDINC

1103 ELGIN COURT

Walk out your door to a park! This very clean 3bdrm, 2 bath, ranch-style home has an incrediblelocation w/ some mountain views! Move-in ready,

open floor plan, largekitchen with pantry andisland, new roof, largefenced yard. $224,900MLS# 727693

Mary Miller970-391-7513

Mary Miller970-391-7513

409 N MASON #225MAINTENANCE FREE LIVING AT IT’S FINEST!Enjoy maintenance free living at this downtownriver corridor location! Built in 2005, thismint condition 2 story townhome features 2

spacious bedrooms, 2baths, private balcony,underground parkinggarage & adjacent toMartinez Park, PoudreTrail, Dazbog Coffee& walk to Old Town!$349,000 MLS#725342

1305 KIRKWOOD #107COMING SOON!

Classy, totally updated, large 1 bedroom in mid-town Ft. Collins! Everything is new includingcabinets, appliances, countertops, floors in every

room! Open floor plan! Thisis a secure building, & thecondo comes with coveredcarport. Enjoy the mature,quiet neighborhood, &Parkwood pool & tennis.$104,900

Angie Spangler970-402-6430fortcollinsrealestatebyangie.com

Sarah Sikes970-310-6699

4OPEN HOU

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808 COLORADO STREETJUST LISTED!

One mile to Old Town Square! This 3 bed/2 fullbath, offers hardwood floors & an open flowfrom kitchen to family rm.Mstr bdrm is spacious

w/ hard to find privatebath & walk-in closet.Outside bonus room idealfor: playhouse, meditationspace, or man cave.Within walking distanceto Laurel Elem. $289,900MLS#728620

1 2 3OPEN HOU

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Emily Heinz &Anne Marie SchachteFOR REAL ESTATE WEEKLY

Rapidly escalating prices changingthe Old Town market

Ask ourbroker

Question:New mortgage regula-

tions went into effect inJanuary. How much harderwill they make it for self-employed borrowers to geta loan?

Answer:It’s true that new mort-

gage standards were in-troduced in January, but inmany ways the “new” stan-

dards are not new at all.In fact, the best way to

look at the new rules re-quired under the Dodd-FrankWall Street Reform and Con-sumer Protection Act is to goback to the 1990s. At thattime, virtually all lenders re-quired fully documentedloan applications.

In the period that led up

to the foreclosure meltdown,borrowers could avoid docu-mentation requirements with“no doc” and “low doc” loanapplications. Such quickieapplications are largely out— but not entirely.

Now, lenders are requir-ing pretty much the samepaperwork as the 1990s. Forthe self-employed borrower,

that means you’ll need tosupply tax returns, leases,complete financial state-ments, etc., just as it was be-fore the housing boom.

Not only are the new ruleslargely like the old ones, inmany cases they are the oldrules. For instance, FHA andVA loans automatically are

Loans tougher for the self-employed?

SeeQ&A, page 16

Peter G. Miller


Featured PropertiesDennis Schick’s


970-567-3942dschick001@aol.com9999999777777700000--5555555566666667777777-3333333999999444444422222222

CallDennis Schick

4262 Cypress Ridge,Wellington$290,000 | MLS #726160

Beautiful ranch by Triple Crown Construc-tion. 3 bed, 2 bath, UF bsmt. Open plan w/vaulted ceilings through kitchen, dining &great room.Kitchen w/ wood flooring, gran-ite counters, island, SS appliances, gas range,full tile backsplash & Alder cabinetry. Cen-tral A/C.Qualifies for USDA financing.

814 Cherry Blossom Dr,Windsor$475,000 | MLS #717608

Vale II ranch plan by Haven Builders.Open layout, great kitchen has big centerisland, hardwood floors, granite counters& large walk-in pantry. Master set sepa-rately from other rooms has 5 pc bath,walk-in closet & private covered patio.Great rm opens to 2nd covered patio.

908 Ridge Runner Dr, Fort Collins$242,000 | MLS #699272

1/2 duplex, new construction, Trail HeadSubdivision north Ft Collins. 2 bed, 2.5bath, main level study, upper floor loft& UF bsmt. Kitchen w/ wood flooring,center island & pantry. Large master w/private bath & walk-in closet. Gas fp &central AC. Front & back yard landscap-ing included.

7700 Park Ridge Cir, Ft. Collins$675,000 | MLS #716184

Beautiful 1 of a kind contemporaryhome w/the best view around! High-est quality custom finishes. Kitchenw/custom made European cabinetry,granite counters, custom fabricatedhood, Subzero fridge & Dacor cook-top. Spa-like master bath w/granitewalk-in shower.

7220 Crystal Downs Dr,Windsor$528,450 | MLS #710688

New ranch plan by Landmark Homes. 3bed, 2 1/2 bath.Gourmet kitchen w/ slabgranite counters, stainless steel appli-ances, large center island, wood flooring& butler’s pantry through to formal din-ing. Master has spa-like 5 pc bath, largewalk-in closet. 3 car garage. 2 months tocompletion.

876 CliffroseWay, Severance$253,089 | MLS #724037

The Aspen by Hawkstone Builders. 3bed, 2 bath, unfin walk-out bsmt. Gas fp.Wood flooring, granite counters, 42 inchAlder upper cabinets, & island in kitchen.Master w/ walk-in closet & 5 piece bathw/ tiled shower, tub surround & flooring.Front yard landscaping standard. Largeback deck.

3299 Glacier Creek, Fort Collins$302,490 | MLS #716603

The Berkley by Triton. Brand new lowmaintenance patio homes at Trail HeadSub in north Ft Collins. 3 bed, 2.5 bath,Main floor master! Spacious kitchen, 5pc master bath w/walk-in closet. Gasfireplace. Central A/C. UF basement.Finished/drywalled 2 car alley load ga-rage.

420 Bow Creek Ln, Fort Collins$275,000 | MLS# 726989

3 bed, 2.5 bath, UF daylight basementin great south FTC location.Open plan,vaulted ceilings through kitchen, dining,& living rm. Kitchen w/maple cabinetry& pantry. Lower family room w/ gas fpwalks out to back patio. Professionallyinstalled landscape front & back. Fullyfenced. 3-car garage.

NEW

CONSTRUC

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Call Jeremy Johnson970-313-6166

[email protected] office independently owned & operated | 970-482-1781

5021 Brookfield DrFort Collins | MLS # 719467

NEW in SE Ft. Collins! 7 floor plans, in-cluding: 2 bed/2 bath condo for $179,900;spacious 1,623 sq ft,MAIN FLOOR condow/ 2 bed + study & formal dining, 2 car ga-rage & THREE patios for $259,900; 3 bed+ study townhome w/ 2-car garage, base-ment & private fenced outdoor living spacesfor $257,900. On sale now & available formove in Summer 2014!

$179,900–$259,900 Low $200’s - Low $300’s

5850 Dripping Rock Ln #F-102,Fort Collins | MLS# 717591

Landmark Homes unveils its newest line ofquality built condo-homes in esteemed Fos-sil Lake Ranch.Choose from a 2 bed/2 bathurban loft style design from the low $200’s;up to a 2,643 sq ft, 5 bed/4 bath main floormaster with 2-car garage and finished base-ment in the low $300’s, all FULLY LOAD-ED with super upscale and energy efficientfinishes. Other plans in the mid $200’s.

OPEN SA

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2174 Cape Hatteras DriveWindsor | MLS # 725806

Spectacular new main floor master townhome in Water Valley South! Granite coun-ters, hardwood & tile flooring, bronze/nickelfixtures, fireplace, A/C, stainless appliances,solid core doors, ceiling fans, + cathedralceiling; 2 beds, loft & bonus room upstairs.3 plans to choose from all w/ bsmt, fencedfront porch & attached 2-car garage. Futureplans include a clubhouse & lake/beachfrontamenities. Community borders Eagle Lake!

Low to Mid $200’s12

OPENSAT

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NOW

FOR SA

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www.mylandmarkhomes.net

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chances are, they might be concerns for afuture buyer.

4. CrimeIt’s a good idea to check the latest crimefigures for a neighborhood. It can giveyou a good snapshot about the numberand severity of crimes over a time period.So much information is online nowadaysthat when you find your perfect home, aquick Internet search on the area shouldprovide you with the much-needed infor-mation.Most municipalities post their police blot-ters or crime statistics online these days.Don’t freak out if you notice more crimethan what you’d have expected. Crime,especially petty crime, is everywhere. Ifyou’re new to the area, consult with yourreal estate agent if you have concerns.

5. WalkabilityMore than ever, ‘walkability’ is becoming akey factor in the search process. There areentire websites, apps and algorithms thathelp people figure out how walkable theirfuture home is. As a matter of fact, Zilloweven has a Walk Score for most homes. Aspeople get out of their cars and slip intotheir Keds, they want a home in a walk-able neighborhood. People put high valueon the ability to walk to a store, school,work or public transportation. The morewe move away from cars and the morewe see invested in public transportationover the coming decades, the more of ahuge value-add walkability will become.

6. The neighborhood’s characterYou may have found the absolute mostperfect home, on the best block, in thebest school district and on a great lot. Butthere could be circumstances outside your

control that may give you pause – spe-cifically, the character of the surroundingneighborhood.Check out the area late at night, earlymorning and in the middle of the day.See if there are any odd weather or traf-fic patterns and try to observe some ofthe neighbors. You may even go so far astalking to some neighbors. It’s importantto walk around, open your eyes and earsand make sure there isn’t anything you’reoverlooking. That next-door neighborpracticing drums in the garage at 9 p.m.could be a source of immediate neighborconflict. Go into it with eyes wide open.

7. Don’t buy the best house on theblockSimply put, avoid buying the best houseon the block because there may not beany room for your investment to grow (un-less you physically have the house movedto a better neighborhood). It’s better tobuy the worst house on the best block,because you can improve the house toadd value to an already great location.

8. Is it a fixer-upper?If you’re buying a fixer-upper, make sureyou understand what you’re getting into.Did you set out to buy a home that need-ed work? Or does the home just happento be in the most desirable neighborhood,the block of your dreams?

10 Things(Continued from page 6)


Fort Collins South, 4703 A Boardwalk Dr. | 226-3990 Fort Collins Downtown, 125 S. Howes Ste. 120 | 482-1781 Loveland, 750W. Eisenhower Blvd. | 669-1234 Greeley, 1275 58th Avenue, Suite A | 330-5000

Find your Colorado home here.www.HomesInColorado.com

This weekend’s open houses: Each office independently owned & operated

4189 Alder Creek Ln,Wellington

OPENSAT

12:30–3

$295,000 | MLS #709655Stylish ranch w/luxurious standardfeatures. Soaring vaulted entry to anopen greatroom. Stunning hardwoodfloors. Elegant Kitchen w/KnottyAlder ‘city-scape’ cabinetry, pantry& large b-fast bar. All kitchen appli-ances, A/C & frontyard landscapingare included. Other lots avail too!Call Michelle King: 970-590-6121

[email protected]

609 Brewer Drive, Fort Collins

OPENSUN

1–4

$255,000 | MLS #7269464 bed 3 bath 2 story home 5 minto Old Town. Laminate floor onmain, SS appliances, kitchen island,finished basement, large fully fence

yard, newer furnace &hot water heater, newroof at close.Call Laura [email protected]

8806 Indian Village, Wellington

OPENSUN

12–3

$221,500 | MLS #724443Price reduced! brand new carpet!Wonderful open flr pln w/ vaultedceilings, gas fp, large din area, openkit w/breakfast bar, separate lndry/mud room, 3 bdrms, 2 bas, 3 car ga-rage. Fully fenced and full unfinishedbsmnt.Call Abby Renner: 970-556-0635

[email protected]

5793 Red Bridge Dr, Timnath

OPEN SA

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SUN 12

–3

$508,200 | MLS #712613New main floor master plus 3 spa-cious upstairs bdrms, jack-n-jill bath,plus private bath in bdrm 4, mainfl study, wood floors, beamed ceil-ing, 2-side fireplace, vaulted masterw/ spa bath w/ body sprays, luxuri-ous kitchen, mud room, 3 car garage.Stop by today!Hosted by Kelly Swift 310-4876Listed by Marnie Long 481-1863

1402 Snook Ct, Fort Collins

OPENSUN

1–3

$349,900 | MLS #727714Well maintained Registry Ridgehome backs to greenbelt and park.Formal living & dining, family room,5 piece bath. 4 beds, 3.5 baths. Plan-

tation shutters, granitecounters, trash com-pactor & more!Call Lesli [email protected]

4028 HighlandsWest, Fort Collins

OPENSAT

1–3

$455,000 | MLS #728428NEW LISTING! Nicely maintained6 Bed/3.5 Bath, walk-out finishedbasement, new roof, new exteriorpaint, updated appliances on .78 acrelot. Perfect location for a walk toHorsetooth Park and hiking trails.No HOA.Comes with a HomeWar-ranty.Hosted by Kranny Spaeth 461-7158

Listed by Melany Arrington 988-9997

6915 Antigua Place, Fort Collins

OPENSAT

12–3

$405,000 | MLS #728843Curtain Rising! Fantastic brand newlisting. Beautiful 2 story with mainfloor master, huge kitchen with gran-ite and stainless steel, office, loft/playroom, and an oversize garage. Thisbeautiful home will no dissapoint.Lemay S of Trilby to Stanton Creek,E to Antigua.Call Tim Leonard: 970-227-0152

[email protected]

2613 Parklake Ct #2, Fort Collins

OPENSAT

1:30–3

$127,500 | MLS #726902Lovely Clean and Neat 2 bedroomtownhome style condo.Single car ga-rage.Central location is easy access toCSU, Front Range, Shopping,Trails.HOA includes pool, tennis court,Lake Sherwood rights. SHOWSWELL !!

Call Rick Berry: [email protected]

2612 Appleton Ct, Fort Collins

OPENSUN

1–4

$319,900 | MLS #727882Quality 2,700’ Bartran home in pres-tigious English Ranch, great schools,main-flr family & living rooms, recroom, large master bdrm with 5pcbath, 2 fireplaces, finished basement,excellent property in quality neigh-borhood.Hosted by Roger Dittus: 420-0872Listed by Rick Koentopp: 222-4841

5985Watson Drive, Fort Collins

OPEN SA

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SUN 12

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$449,000 | MLS #726281Stunning ranch style home, featuresan open floor plan, 3 beds on themain level, formal dining; a full fin-ished basement with a bar, bedroom

& bath. Plus bonusarea! Ptarmigan CCand Fossil Ridge HS!Call Leah [email protected]

2423222120

1918171615

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Do your homework upfront.If you want to build an exten-sion or add another story tothe property, make sure it iswithin local zoning or build-ing codes. Have the propertyinspected so that you knowexactly what you’re gettingyourself into. Sometimes,what appears to be a simplekitchen needing cosmeticwork turns out to be a hugeproject. Ask yourself repeat-edly if your life can supporta home renovation. Not onlydoes a renovation take mon-ey, it takes time, energy andemotional stress.

9. Will the home hold itsvalue?A good real estate agentwho’s been working theneighborhood for some timecan vouch for the long-termvalue or investment potentialof the property. But be sureto find ways to add value, orat least be certain the homewill hold its value.The market may be strongwhen you purchase, but askyourself, “Am I in a seller’smarket?” “What wouldhappen to this property ifthe market changed tomor-row?” Check out the median

home value in the neigh-borhood as it compares toneighborhoods around it.The Zillow Home Value Indexgives you one, five, and 10-year snapshots of how homevalues have gone up or downin neighborhoods and cities.

10. Taxes, dues, and feesMany people overlook themonthly fees associated withhomeownership. Nearly ev-ery property will have taxes,and any sort of planned com-munity or homeowners asso-ciation (HOA) will have regu-lar assessments.

Be sure that the amount ofproperty tax and assessmentsare clear from the get-go. Ifin doubt, go to city hall ordo research online. If you’dbe buying into a condo com-plex, be sure to get yourhands on the meeting min-utes, financials of the HOAand the condo documents.Any mention of changescoming down the pike? Doesthe HOA seem well funded?It could take one quick $10Kassessment to immediatelyaffect property values if youneed to turn around and sellyour new home. And any un-

certainty about the building,its integrity or the financialscould scare off buyers whenit’s time to sell.Reprinted by permissionfrom Brendon DeSimonewho is a Realtor, a regularHGTV contributor, a Zil-low blogger, and one ofthe nation’s leading realestate experts. He hascollaborated on multiplereal estate books and hisexpert advice is regularlysought out by print, on-line, and television mediaoutlets including The To-day Show and, CNN.


DavidT. Muth, CRS(970) 481-5963 mobile@;((? O=&+&($Q 4P,%!

#6GIM2IM!N14G3<5%*%46@9=(? $$9+(=(( 4P,%! A DDD*IM!N14G3<5%*%46

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The Vistas at HighPointe EstatesL 1!K41I+KIC7! %466G5<IC 74%)I!# <5 IM! M!)1I 4P IM! /41IM!15 H4741)#4

Front Range, featuring premium lots ranging $75,000 to $210,000.

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Berthoud• 102 Hummingbird Place;Buyer: David & Erin Motta;Seller: Daniel & Lorraine Ellis;$269,900

• 917 Kansas Ave.; Buyer: James& Tiffany Degnan; Seller:Jennifer & Keith Burgess;$291,000

Fort Collins• 1144 W. Myrtle St.; Buyer:Michael & Trinity Wilbourn;Seller: Megan R. Gebauer;$232,500

• 324 Butch Cassidy Dr.; Buyer:Russell Gronsky; Seller: Ste-phen Gentry; $115,000

• 512 Mockorange Ct.; Buyer:Erik Nilstoft; Seller: Jeania &Matthew Burton; $250,000

• 754 Grouse Circle; Buyer: Tyler& Bailey Fosdick; Seller: Gary& Linda Derschon; $255,700

• 200 S. College Ave., Unit 400;Buyer: John & Christine Duke;

Seller: David Mcnaught;$280,000

• 3556 Bear River Ct.;Buyer: Andrew & SharonLeask; Seller: MelodyHomes Inc; $346,600

• 4777 Forelock Dr.;Buyer: Joseph & ClaraLeduc; Seller: RichmondAmerican Homes Colo;$361,400

• 1001 Morgan St.;Buyer: Farrah & DavidDobbins; Seller: 1001Morgan St. LLC;$448,000

• 1705 Lindenmeier Ct.; Buyer:Hugo & Merike Rutherfurd;Seller: Max M. Deitchler;$560,000

• 1413 Wimbledon Ct.;Buyer: Julia & Edward Tynan;Seller: C. & Roburta Herzog;$595,000

• 200 Gregory Road; Buyer:Andrew Mcmahan; Seller: UsBank; $640,000

• 1603 Robertson, Unit c; Buyer:Steven & Rachel Weiler; Seller:Dkr Real Estate LLC; $186,300

• 1650 Robertson, Unit b; Buy-er: Ellen Miller; Seller: Steven& Mary Newman; $187,000

• 2413 Antelope Road; Buyer:David Hansen; Seller: AnthonyHolcomb; $199,000

• 6956 Rosemont Ct.; Buyer:Stephen & Niki Doe; Seller:Matthew C. Murphy;$280,000

• 950 Southridge Greens Blvd.,Unit 39; Buyer: James &Theresa Browne; Seller: SusanEileen Shore; $317,000

• 1138 Nassau Way; Buyer:Andrew & Michelle Hackett;Seller: R. & Rebecca Bassett;$396,000

• 1512 Fairway 7 Ct.; Buyer:James Packard; Seller: SamuelKunkle; $430,000

• 207 E. Stuart St.; Buyer: Jef-frey Jackson; Seller: TurningPoint Center Youth; $475,000

• 845 Southridge Greens Blvd.;Buyer: Chris & Jennifer Diet-zler; Seller: Kathryn L. Bergo;$627,500

• 2024 W. Stuart St.; Buyer:Michael & Barbara Martin;Seller: Cheryl & David Bartling;$210,000

• 919 Arbor Ave.; Buyer: Hsue-hhsiang Li; Seller: Jason &Elizabeth West; $260,000

Real Estate TransactionsThe following information about recent real estate sales is supplied by Weekly Homebuyers List, Inc. of Lakewood. Names, addresses, cities, ZIP codes and phonenumbers of all new homeowners are available from Weekly Homebuyers List, Inc on sticky labels. Call (303) 744-2020 or visit www.weeklyhomebuyerslist.com

See TRANSACTIONS page15

Breakingnews.

Submittedby you.

YOUR VOICE.YOUR VIEW.

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Open Houses this weekend!Check them out before they are gone!

102 Veronica Dr. Windsor,CO 80550

Beautiful, energy rated 3 bedroom, loft,2.5 bath home with custom upgrades

throughout.

Open HouseSaturday 11-3pmSunday 2-4pm

(970) 658-5858 | [email protected] | www.discovernocohomes.com.

Real Estate Weekly, Saturday, March 08, 2014F14

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SKYLINE 2003 Doublewide. 3 bedroom, 2

bath, A/C. Great condi-tion. $45,500.970-581-6068

2Bdr, 2Ba, Very Deluxe,WD, jacuzzi, Fully Fur-nished, Wireless, Sat,$795 incl. all util.970-690-3370

1 and 2 bedroom af-fordable apartments.Senior 50+, secure

building, elevator, pro-tected underground

parking available. Heatand water included, No

smoke, no pets,$725 to $940, CallChalet Apartments970-493-4432

2BD, 1390 sq ft., du-plex, w/garage, up-

grades, and amenities,1118 Kirkwood Dr.,

$995, n/p, n/s, no stu-dents., 603-817-06302Bdrm 2Ba, quiet con-do at 3500 Carlton A1,$1250/mo 1200 sq ft

970-568-0631

1-3 offices, street level,Old Town, 307 W.Magnolia, From $295

482-4222Office Stes 299-1984SF

$8-10 SF NNN223-7567

drakepark.com


Check out your locallistings inside!

To advertise,To advertise,

call Mimi Toliusziscall Mimi Toliuszis

224-7800224-7800

6780 CLOVIS CT., TIMNATH, COHarmony Club

Throw away the lawn mower & snow shovel & go play golf at theHarmony Golf Course! This former model home by Sopris Developmentis a low maintenance ranch plan offering 3 bdrms, 2.5 baths plus astudy on the main floor, luxurious master suite, upscale finishesof granite, hardwood floors, alder cabinets, stainless appliances,unfinished basement & attached 3 car garage. Price Reduced $675,000

OPEN HOU

SE

SAT1 –

4PM

Terri Johnson303-589-8180

[email protected]

-0000390512

3821 GALILEO DR. FORT COLLINS, CO 80528This is a beautiful 3 bed 3 bath home with anattached 3 car garage! Enjoy the great openfloor plan, vaulted ceilings, eat in kitchen,separate dining room, and pantry. This homealso features maple flooring in the kitchen andnook, granite counter tops, and maple raisedpanel cabinets with crown moulding!MLS # 728737 $400,000

Saturd

ay

2:00pm

-4:00pm

Blake Nicholson970-216-7276 F

C-0000390549

1254 Falcon Court, Windsor

$812,000 | MLS #728589Exceptional quality and design! 5 Br, 5Bath, 3 living areas, Main floor MasterBR 2 Story.Granite, Stainless, 3 fireplaces,2.47 ac, 4 car garage.

Call Rick Koentopp970-222-4841 Each office independently owned & operated | 970-226-3990

JUST LIS

TED

2228 SanMiguel Dr, Severance

$437,500 | MLS #7286382.25 acres w/ 2 stry,5145 sf, custom kit,upgrades,main flr mstr w/ 5 piece ba, upstairs bonus room+ full unfn bsmt + 1200 sf heated/insulate shop.

Total of 5 car garage. Bring your horses.

Call Abby Renner970-556-0635 Each office independently owned & operated | 970-226-3990

5220 SHAVANO CT, WINDSOR

Steeplechase Beauty!This home sits on a 2 acre estate lot & is a gardenersdream, with a vast array of perennials, organicgarden beds, & koi pond. Dramatic high ceilings,gourmet kitchen, formal dining room, separate studyw/private entrance, lots of hardwood flooring & a fullunfinished basement. MLS#727695 $539,900

Saturda

y 12- 2

pm

FC-00

00390635

Paula Harder970-539-1315

5989 SAND CHERRY LANE TIMNATH

WELCOME HOME!Immaculate, move-in ready home with 4bdrms, 3 baths, and unobstructed views! Mainfloor master with 5 piece private bath, formaldining area, toasty fireplace, cool Central A/C,vaulted ceilings, 42” cabinets and a granitecounter top island. Heated oversized garageand open space too! $362,900

OPEN HOU

SE

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-3PM

John Narum970-488-0215

www.century21humpal.comFC-0000390660

• 721 Langdale Dr.; Buyer: Donald & Pa-tricia Heyse; Seller: Oyer & Lorene Leary;$420,000

• 6021 Snowy Creek Dr.; Buyer: Zane Bullard;Seller: Chun & Arnold Pfahnl; $160,000

• 5127 Stillwater Creek Dr., Unit B; Buyer:Kimberly Giles; Seller: Robert & Sally Braddy;$205,000

• 3826 Wild Elm Way; Buyer: Tyler & KimberlyStein; Seller: Ryland Group Inc; $378,500

• 3820 Observatory Dr.; Buyer: Edward &Seonah Kendall; Seller: Louana H. Roche;$390,000

• 5709 Big Canyon Dr.; Buyer: Todd & VictoriaHeadley; Seller: Ryland Group Inc; $483,700

• 8264 Scenic Ridge Ct.; Buyer: Oyer &Lorene Leary; Seller: William & Nancy Cary;$492,500

• 3421 Wild View Dr.; Buyer: Jeremy & Alex-andria Black; Seller: Simon & Shari Damp-housse; $495,000

• 5751 Big Canyon Dr.; Buyer: Thomas & AmyGould; Seller: Ryland Group Inc; $609,300

Livermore

• 850 Harriman Dr.; Buyer: Joanne Kennedy;Seller: James & Ruth White; $265,000

Loveland• 127 Willow Circle Dr.; Buyer: Raymond &Lorraine King; Seller: Elizabeth Dahnke;$54,200

• 1737 Oriole Place; Buyer: Francis & PhyllisCoyle; Seller: Jacqui & Richard Newman;$168,000

• 1006 E. 7th St.; Buyer: Robert & Carla Mas-saro; Seller: Wendy K. Spencer; $218,000

• 2005 S. Cleveland Ave.; Buyer: Linda & DeanFrerichs; Seller: Leonie M. Shannon Trust;$292,500

• 2915 Sedona Hills Dr.; Buyer: Anand Ma-hadevan; Seller: Yale A. King; $1,325,000

• 4168 La Junta Dr.; Buyer: John & BrittanyWoods; Seller: Heather A. Kirk; $198,000

• 2435 Waverly Dr.; Buyer: Sharon Ward; Sell-er: Leonard E. Florence J. Everett ; $230,000

• 892 Alexandria Dr.; Buyer: Emily & MichaelJordan; Seller: Greg & Sheri Sauer; $250,000

• 294 Polk Dr.; Buyer: Heather Kirk; Seller:Robert & Denise Anthony; $259,000

5934 Woodcliffe Drive, WindsorOPEN

SAT1–414

Luxury patio home in Highpointe.GourmetKitchen includes custom Tharp cabinets,travertine backsplash, large kitchen island,slab granite, 5 burner gas stove, Bosch appli-ances, and walk-in Pantry. 8 ft Alder interiordoors.Three fireplaces, built in sound, pano-ramic windows and views. All bedroomscome with an ensuite.

Call Leslie Henckel

[email protected]


$559,000 | MLS #727584

FC-0000390613


AUBURN ESTATES, New executive sub-division with just 26 homes to be built onspacious lots. Perfect for buyers who ap-preciate their privacy. No builder restric-tions, sewer system rather than septic,paved access and streets surrounded by 64acres of greenbelts. Fantastic night viewsof Fort Collins. Fort Collins schools, closeto town, hospital, shopping, Cheyenne,etc. Walk-out potential on each lot. Threehomes under construction. Call today formore information.

JanThayer, CRS“Serving your real estate needs since 1978”

(970) 229-9911 officewww.JanThayer.com

ONLY17 LOTSLEFT!

See TRANSACTIONS page16

Transactions(Continued from page 15)


• 2350 Paonia St.; Buyer: Bren-nen & Raihna Kaylor; Seller:Mark L. Cipriani; $275,000

• 856 Wisteria Dr.; Buyer: Rob-ert Everitt; Seller: Ronald &Lori Hennis; $329,000

• 3062 Kiowa Dr.; Buyer: Albert& Arlis Dill; Seller: Ann E.Sundberg; $340,000

• 1675 Tennessee St.; Buyer:Patrick & April Mcfall; Seller:Aspen Homes Colorado Inc;$397,400

Lyons• 1017 Vision Way; Buyer: DavidDethmers; Seller: Credit UnionDenver; $412,500

Wellington• 3211 Mammoth Circle; Buyer:Kris Heimbichner; Seller: John& Katie Hannigan; $200,500

Windsor• 8012 Louden Circle Ct.; Buyer:Roger & Glenda Evans; Seller:Patrick & Karen Cocquyt;$429,900

• 721 Main St.; Buyer: BlayneStjames; Seller: Paul & SarahSlater; $170,000

• 981 Columbine Dr.; Buyer:Christopher & Natal Ferreira;Seller: Scott & Jessica Hunter;$210,000

• 2080 Vineyard Dr.; Buyer:James Baker; Seller: NewExpression Homes LLC;$332,900

• 1589 Pelican Lakes Pt, Unit a;Buyer: Grant & Karen Swan-son; Seller: Brandon B. White;$357,500

• 1787 Gore Creek Ct.; Buyer:Rhonda & Lance Mccracken;Seller: Michael & Patricia Mor-row; $360,000

• 4616 Pompano Dr.; Buyer:Ronald & Lori Hennis; Seller:Robert S. Everitt; $465,000

• 6252 Crooked Stick Dr.; Buyer:Thomas & Linda Gauthier;Seller: Ridgeway ConstructionService; $538,300

• 1852 Seadrift Ct.; Buyer:Timothy & Jayne Jares; Seller:Steven C. Scheffel; $124,900

• 164 Sunflower Dr.; Buyer:Leonard Gonzales; Seller: UsBk; $142,000

• 147 Crabapple Dr.; Buyer:Debra Rojas; Seller: Mark &Tarah Luft; $145,500

• 22 Daisy Ct.; Buyer: KevinKapitan; Seller: Douglas HenryRydbom; $165,000

• 622 Parkview Mountain Dr.;Buyer: Richard & StephanieMorris; Seller: Anthony R.Reed Pc 401 K. ; $175,000

• 801 Walnut St.; Buyer: RichardPitner; Seller: Beverly A. Fa-gler; $199,800

• 441 Sundance Dr.; Buyer: Jef-frey Hansen; Seller: MatthewNotter; $276,000

• 37153 Northwest Dr.; Buyer:Christopher & Mary Bonami-co; Seller: Marilyn & RichardStumpf; $325,000

• 272 Saratoga Dr.; Buyer: Barry& Teresa Waddell; Seller: BroccBldrs Inc; $360,400

• 5736 Stone Chase Dr.; Buyer:Deagan & Lana Andrews;Seller: Reserve At HighpointeEstates; $399,400

• 2021 Searay Ct.; Buyer:Stephanie & Jeremiah Hens-ley; Seller: Melody Homes Inc;$424,800

• 5220 Horizon Ridge Dr.;Buyer: Jason & Callie Picker-ing; Seller: Burnam & ErinBaker; $505,500

Pam Collier970-215-3439

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Catherine L. Rogers970-988-1030


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Rob Kittle970-690-4920Ft. Collins

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Carrie Holmes970-988-0242Ft. Collins

Rob Kittle970-690-4920Ft. Collins

Marcus Valdez970-234-0890Ft. Collins

Pam Collier970-215-3439


Catherine L. Rogers970-988-1030


Transactions(Continued from page 15)

Q & A(Continued from page 7)

“qualified mortgages” underthe new standards, so thoseprograms are unchanged.

Under Wall Street Reform,most lenders will make QMsthat meet certain standards;however, lenders also canmake loans that do not meetthose standards, so-callednon-QM financing. Becausenon-QM financing meansgreater risk for the lender,you might find higher costsbut also a wider range ofloan options, including jumbomortgages, loans with a debt-to-income ratio of more than43 percent and interest-onlyfinancing.

Most lenders have beenfollowing these rules for sometime and are entirely readyfor self-employed borrow-ers. One study from October2013 found that 80 percentof the loans being originatedat the time would qualify forqualified-mortgage statusunder the 2014 rules. TheConsumer Financial Protec-tion Bureau said in Januarythat roughly 92 percent of allloans were in compliance be-fore the rules even went intoeffect.

In the end, self-employedborrowers will have plenty ofloan options for 2014. You’llbe able to get financing un-der the new rules, and youwill likely get it faster thanunder the old system.

Ellie Mae, a company thatprovides closing software, re-ports that in December 2013it took 43 days to close a loan,compared to 55 days the yearbefore.

No less important, lend-ers will want your business.Why? Loan originations areexpected to fall in 2014 be-cause of greatly reduced refi-nancing activity.

At the same time, self-em-ployed borrowers are becom-ing a larger part of the workforce. A report from Intuit es-timates that there will be 40million self-employed workersby 2020.

Simply put, the self-em-ployed cannot be ignored bythe lending system.© CTW Features

Real Estate Weekly March 8, 2014

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Transcript of Real Estate Weekly March 8, 2014