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Quick Guide and Featured Open Homes

Your Checklist for Purchasing a Home in 2020

Holiday Gifts for Pets and Pet Lovers Alike

Looking for a home? View comprehensive listings of local open houses taking place this weekend from all across the area.

Are you aiming to become a homeowner? Don’t let these historically low interest rates pass you by – there’s still time to prepare for purchasing a home in 2020.

Chances are you have a lot of pet lovers in your life. With holidays just around the corner, here’s some gift ideas for dog and cat lovers.

December 6-7, 2019

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COLORADO HOME AND REAL ESTATE

CONTRIBUTING WRITERS Kelsey Hammon Tom Kalinski Natalie Campisi Michaela Phillips Ilyce Glink Samuel J. Tamkin Duane Duggan Pam Moore Nicole Forsyth

Rick Jacquemard Diana Crandall Cathy Hobbs

ADVERTISING CONSULTANTS Thais Hafer Toni McNeill Mary Romano ADVERTISING FEATURES COORDINATOR Greg Stone

ADVERTISE To advertise in At Home or to promote your open house visit AtHomeColorado.com/Advertise, call Thais Hafer at 303.473.1456 or Toni McNeill at 303.684.5329.

EDITORIAL & EVENTS

To submit a story idea, calendar event or press release, e-mail athome@dailycamera.com or athome@timescall.com.

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REAL ESTATE NEWS

Gift of Home Tour transforms local houses, raises money for Longmont Meals on Wheels By Kelsey Hammon Longmont Times-Call (TNS) This week as the sun sets behind the Rocky Mountains, it won’t be tough to pick out Douglas Inskeep and Katherine Spencer Inskeep’s home from afar. A 10-foot Christmas tree made of metal orbs will glow from the balcony, complemented by twinkling snowflake lights strung near the front door. Up a set of wooden steps to the first floor of the loft condominium awaits an array of holiday splendor. Designer Nancy Mahoney incorporated a blend of Scandinavian and Latin American elements throughout the home. A miniature forest of glittering trees, faux fur and candles draws the eye to a handcrafted dining room table. In each room, elves, reindeer, and expertly decorated trees that nearly touch the ceiling inspire the feeling of a whimsical winter wonderland. The Inskeeps’ home is one of three that has been professionally decorated and will be displayed as part of the annual Gift of Home Tour. The self-guided tours run Thursday through Saturday This year’s tour includes a variety of architectural styles and holiday themes. In addition to the Inskeeps’ Prospect home, tourgoers can view a historic home built in 1903 and a “modern traditional” home. “It is unlike anything you will have ever seen,” said Katie Wiser, the development and communication manager for Meals on Wheels. “Each room is unique. It is almost like a live version of a home and garden show.” Longmont Meals on Wheels

provides food to homebound elderly people and those with disabilities. Each delivery also serves as a wellness visit to clients. The nonprofit serves more than 400 to 450 meals a day and is experiencing an increase in the number of people who need the service. Wiser said roughly eight new clients a week have been served throughout the year. The Gift of Home Tour is one of Meals on Wheels most significant fundraisers of the year, drawing roughly 1,500 people. On average, the event raises enough money to purchase more than 13,000 meals. For many years, Spencer Inskeep and her friends have been spectators on the Gift of Home Tour. Last year, when she asked her friends which home they liked best, they said her home, even though it wasn’t part of the tour. She took the hint and volunteered her home for this year’s tour. “This was my opportunity to give back and to help build a community in Longmont that we all want to be in,” she said. Spencer Inskeep, a social entrepreneur who works in marketing and also is a Meals on Wheels volunteer, and her husband moved into the home in the Prospect neighborhood last year, after living in Old Town Longmont for 27 years. Spencer Inskeep said when the couple decorated their home, they did so with her motto “live life bright” in mind. She commended Mahoney for incorporating the theme into the holiday design with decorations sponsored by Ace Hardware. “She added a lot of fun color into the space,” Spencer Inskeep said.

“In a world where there is 15 shades of beige, we need color in our lives and brightness.” Spencer Inskeep encouraged people to take part in the tour and give back to a local cause. “Meals on Wheels is huge to our community and does such important work,” Spencer Inskeep said. “Second, I think it is a really fun way to get in the holiday spirit and get some ideas for how you want to decorate and get out with some friends.”

IF YOU GO GIFT OF HOME TOUR WHEN: 5 to 9 p.m. Thursday, 10 a.m. to 7 p.m. Friday and 9 a.m. to 3 p.m. Saturday WHERE: Three Longmont homes COST: $45 for opening night, includes dinner at local restaurant; $20 in advance and $25 at the door TICKETS: Longmont Meals on Wheels, 910 Longs Peak Ave.; Ace Hardware, 1727 Main St.; Niche Design House, 5855 Sky Pond Drive, Suite F106; Woodley’s Fine Furniture, 1400 S. Main St.; and Front Range Mercantile, 1201 S. Sunset St., or online at thegiftofhome.org. For more information, call 303.772.0540.

Drive traffic to your open house Increase your exposure with AtHomeColorado’s Open House Quick Guide. The targeted buyer promotion includes a print listing, online interactive listing with driving directions, alerts and Facebook marketing. To place your listing, visit:

openhomes.athomecolorado.com (scroll to the bottom for the order link). DAILY CAMERA / TIMES-CALL

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REAL ESTATE NEWS

Boulder Area Realtors® recognized nationally for protecting, investing in real estate industry

Jay Kalinski

BOULDER – The National Association of Realtors® has announced that Boulder Area Realtors Jay Kalinski, Kelly Moye, Chris Mygatt, Scott Sammons and David Scott have become Sterling R Major ($1,000) investors in the Realtors® Political Action Committee. RPAC is a national bipartisan grassroots-based political advocacy organization that works to protect the real estate industry and the dream of

Kelly Moye

Chris Mygatt

homeownership for Boulder and surrounds residents and across the country. Since 1969, RPAC has promoted the election of proreal estate candidates across the United States. The purpose of RPAC is to elect and support officials who advance the interests of real estate professionals and their home buying, selling and investing clients. In addition, RPAC uses its resources to develop public policies that

Scott Sammons

make it easier for consumers to own homes and build their communities through commercial investment. The Boulder Area Realtors’ investments will be applied to supporting homeownership, commercial real estate transactions, and the very future of the real estate industry. Current Realtor® priorities include working with Congress and the administration to craft long-term reform of the nation’s infrastructure; tracking additional

David Scott

changes to the tax code to ensure reforms are understood by and beneficial to our members; and educating lawmakers about the importance of protecting the availability of 30-year, fixed-rate mortgage financing. The National Association of Realtors®, “The Voice for Real Estate,” is America’s largest trade association, representing 1.3 million members involved in all aspects of the residential and commercial real estate industries.

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REAL ESTATE NEWS

Denver-Boulder listed on top 30 startup ecosystems DenverBoulder’s “startup ecosystem” hit the world stage this year. After seven years of not quite making the top 30 list BY TOM of best startup KALINSKI ecosystems, this RE/MAX of Boulder year BoulderDenver ranks No. 21 among 150 ecosystems analyzed for the Global Startup Ecosystem Ranking 2019 (GSER2019). Published annually by Startup Genome and the Global Entrepreneurship Network, the widely read report evaluates tech ecosystems on seven factors that help startups, scaleups and startup ecosystems succeed on a global scale, including performance and talent. Findings are based on data from thousands of startup founders and research on over a million companies. A “startup ecosystem” is the coming together of people, startups in their various stages, and various types of organizations to create new startup companies, according to startupcommons.org. Known for its vibrant high tech and venture capital environment, Denver-Boulder has been a runner-up since 2012. This year, the cities’ strong supply of high-quality local tech talent boosted them to No. 21. The area ecosystems also ranked high for local connectedness, intellectual property protections, and size of local market. Denver-Boulder also performed well in access to funding, with a score of eight out of 10. The area ranked alongside ecosystems like

Seattle, Berlin and Shanghai, and outranked Sydney, Vancouver and Singapore. Key highlights from the GSER2019 include: Instead of a “next” Silicon Valley, 30 startup ecosystems around the world are poised for parallel vibrancy and economic productivity. Movement among the ecosystems is significant from year to year. Among the top 30 overall rankings: Paris moved up two spots to No. 9; AmsterdamStartup Delta moved up four spots to No. 15 overall; and San Diego and Washington, D.C. broke into the top 20 for the first time. Since 2011-12, early-stage funding has more than doubled for startups, increasing eightfold in Agtech & New Food and quadrupling in AI. The top five startup ecosystems overall worldwide in 2019 are Silicon Valley, New York City, London, Beijing and Boston. Twelve U.S. ecosystems made the list: • • • • • • • • • • •

No. 1 Silicon Valley No. 2 New York City No. 5 Boston No. 6 Los Angeles No. 12 Seattle No. 16 Austin No. 17 Chicago No. 19 Washington D.C. No. 20 San Diego No. 21 Denver-Boulder No. 26 Atlanta / Miami (tied)

The GSER2019 also examines the growth and decline of subsectors including Deep Tech, Artificial Intelligence, Edtech and Digital Media.

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This year Boulder-Denver ranks No. 21 among 150 ecosystems analyzed for the Global Startup Ecosystem Ranking 2019 (GSER2019).

Deep Tech, which relies heavily on intellectual property, is the fastest-growing startup group globally. The four fastestgrowing Deep Tech sub-sectors are Advanced Manufacturing & Robotics, Blockchain, Agtech & New Food and Artificial Intelligence. By contrast, startup sub-sectors showing decline are Edtech, Digital Media, Gaming and Adtech. Additionally, the 2019 GSER includes the first-ever analysis and rankings of startup ecosystems in the Life Sciences sub-sector. Based on Success Factors such as Funding and Knowledge, the top five ecosystems for Life Sciences are Silicon Valley, Boston, San

Diego, New York City and London. Download the full report here: startupgenome.com/gser2019. Tom Kalinski is the broker/ owner of RE/MAX of Boulder, the local residential real estate company he established in 1977. He was inducted into Boulder County’s Business Hall of Fame in 2016 and has a 40-year background in commercial and residential real estate. For questions, e-mail Tom at tomkalinski33@gmail.com, call 303.441.5620 or visit boulderco.com. SOURCE: Bloomberg analysis of U.S. Census 1Y ACS data.

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REAL ESTATE NEWS

More than 6.8 million homeowners can cut their mortgage payments with refinancing refinance will make sense since most of the closing costs are fixed (e.g., appraisal fee, recording fees, etc.) while the monthly savings will be much greater.”

By Natalie Campisi Bankrate.com With the average interest for 30year fixed-rate mortgages below four percent again, millions more homeowners can save money by refinancing their loans. The recent drop in rates means that 6.8 million people can potentially save money by refinancing their existing home loans and securing a lower rate, according to a new report by Black Knight. The latest data is from September, when rates spiked above four percent. They have since tracked down again, which means even more people are eligible to save with a refinance. The sharp drop in rates in 2019 has come as a surprise, as most experts were betting that rates would be on the rise, says Mark Hamrick, Bankrate’s senior economic analyst. For borrowers, however, this is an unexpected gift. “The fact that this swoon in rates has occurred as and when it has underscores the fact that accurately predicting the future of rates is difficult indeed. So, instead of trying to outsmart the market, go with what you know for certain which is where rates are right now,” Hamrick says. “Between the pace of the news cycle and economic developments, the environment can change with release of a single presidential Tweet. In an uncertain environment, seize upon certainty where you can find it.” Why your credit score, income and debt matter Before you spend the time applying for a mortgage refinance, be sure you check your balance sheet and credit first. Applying for a refinance is similar to getting a mortgage in that lenders will consider your FICO score, debtto-income ratio and employment history when evaluating your application. Your interest rate is a reflection of your financial situation and banks tend to reward low-risk customers with better rates. Borrowers want to aim for a credit score of over 740 and a loan-to-value ratio of 75 percent or under to nail down the 6

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It turns out that the median age of the U.S. home buyer is now 47, compared with 31 in 1981, Deutsche Bank chief economist Torsten Slok wrote in a note. (Photo: Dreamstime/TNS).

best rates, says Melissa Cohn, executive vice president at Family First Funding LLC in Toms River, New Jersey. The income needed for a loan is dependent on the bank’s qualifications; for selfemployed borrowers, additional proof of income may be required to meet loan prerequisites. Homeowners who have improved their credit score since getting their original mortgage should see if refinancing makes sense for them. For every 20-point increase in credit scores, the interest drops about 0.125 percent. So, if someone had a 680 credit score and now has above a 760, this alone will improve their rate by about 0.5 percent, says Daniel M. Shlufman, Esq., mortgage banker at Classic Mortgage LLC in Maywood, New Jersey. For folks who are hoping to lock in a better rate but are not currently financially ready to do so, create a financial game plan now for a better position down the road. This includes paying down debt and saving money for an emergency fund (so that credit cards are not the go-to in a pinch). “Anyone who has owned a home for a modest period of time can attest that unexpected expenses are the rule, not the exception. In addition, life brings

its own surprises and added expenses,” Hamrick says. “For young families, that might include the birth of a child and related added expenses. By boosting your own finances, effectively paying yourself, you’ll also be boosting your creditworthiness which can only help one achieve financial goals overall.” The best scenarios for refinancing Falling rates might seem like a money windfall if you have a higher interest rate than what’s available today, but make sure refinancing bolsters your bottom line. Expensive lender fees can actually put you in the red if you decide to refinance and the savings don’t outweigh the expense. Generally, you need a drop in the rates of 0.5 to one percent (depending on the monthly savings and the closing costs) to justify doing a refinance, Shlufman notes. The rule of thumb is that the savings should be enough to recoup the closing costs within about 18 months to make a refinance justifiable. “If the closing costs are $3,600, you would need a savings of about $200 per month on the mortgage payment for a refinance to be worthwhile,” Shlufman says. “The larger the loan, the more likely a

If you’re paying PMI, pay attention Refinancing also makes sense is if you have private mortgage insurance, or PMI, and the house value has increased so that there is equity of at least 20 percent. Refinancing into a lower rate not only shaves off interest costs but also knocks out monthly PMI payments, which are typically 0.5 to one percent of the total loan on a yearly basis. For borrowers with a $200,000 mortgage and a PMI payment of one percent, for instance, that’s a savings of $2,000 per year or $167 per month. FHA loan borrowers are another group that can potentially benefit from refinancing into a conventional loan. Since PMI is more expensive on FHA loans, those qualified borrowers might save a small mint by reducing or eliminating their FHA PMI and locking in a lower rate, Shlufman says. Those who want to reduce their terms and go from a 30-year fixed-rate mortgage to a 15-year loan, might be able to ax an additional 0.5 percent from the top since 15-year loans usually have lower rates. That might also mean larger monthly payments, but overall less interest paid over the life of the loan. Adjustable-rate mortgage holders can also profit from dropping rates; the timing might be right to lock via a fixedrate mortgage as rates continue to hover around the 4-percent mark. Finally, folks hoping to tap their equity while reducing their interest rate can take advantage of cash-out refinances. These are low-interest loans that allow homeowners to borrow against their equity by replacing their existing mortgage with a new loan for a higher amount and receiving the balance in cash. These can be useful for people who want to make home improvements as the interest is tax-deductible. Visit Bankrate online at www.bankrate.com. DAILY CAMERA / TIMES-CALL

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Your checklist for purchasing a home in 2020 Are you aiming to become a homeowner as soon as possible? Don’t let these historically low interest rates pass you by – there’s still time to prepare for BY MICHAELA purchasing a PHILLIPS home in 2020! Guaranteed Rate, Inc. If you’re ready to jumpstart the process, here’s what you need to do to qualify for a mortgage. Check your credit score To lock down the lowest possible rate, you’ll need an excellent credit score. Although you may be able to qualify for a loan with a minimum score of 580, a higher score is more desirable and will save you money in the long run. Not pleased with your current score? Focus on paying down debt as aggressively as possible. Changes to your score will typically be reported within 60 days, so the sooner you can start paying off debt, the better.

Plan your down payment An unexpectedly large deposit into your account can derail your path to homeownership. Before your lender reviews your bank statements, be prepared by having the down payment planned and documented. If you’re using gift funds as your down payment, have the letter from the donor ready to go. To see an example of a donor letter for gift funds, visit this site. Get pre-qualified Ready to find out how much home you can afford? Get pre-qualified before you apply for your mortgage loan. Pre-qualification is based upon safe-reported information, so be certain to have a solid idea of your income, credit score, and all of your recurring monthly debts. Interview Realtors and start watching the market Once your credit is in good shape and you’re pre-qualified or pre-approved, it’s time to start interviewing realtors. An experienced realtor who’s familiar with your desired area is essential

Don’t let these historically low interest rates pass you by – there’s still time to prepare for purchasing a home in 2020! (Photo: TeroVesalainen on Pixabay).

in your quest to homeownership, so take some time to find the right fit. You should feel comfortable communicating with your realtor and know that you have someone in your corner. The right Realtor will help you understand the market and set your expectations, so you’ll know whether you should submit an offer above, below, or in line with the seller’s asking price.

If you’d like to make 2020 your year to become a homeowner, you can make your dream a reality by starting on your checklist now. Michaela is the Vice President of Mortgage Lending at Guaranteed Rate, Inc. Contact Michaela at 303.443.6292, e-mail michaela. phillips@rate.com or visit michaelaphillips.com. NMLS: 312874.

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REAL ESTATE MATTERS

Take these steps to terminate private mortgage insurance By Ilyce Glink and Samuel J. Tamkin, Tribune Content Agency Q: I have a question for you about mortgage loans, private mortgage insurance (PMI) and smart money moves. Somehow my lender managed to stick me with eight years of PMI. In a few months, I’ll be hitting seven years on the origination date of my loan. I want to take out a separate loan (at five percent interest) to prepay my mortgage payments (including real estate taxes and insurance for the next 12 months in advance) and terminate the PMI immediately. This would save me thousands of dollars since the PMI is $337 per month. My thinking is that I will redirect my mortgage payments to the newly issued short-term loan while avoiding mortgage payments for the next 12 months. Could the mortgage lender reject this idea? What about the PMI that they’re expecting to collect for the next 12 months? Would they refund that to me? A: You say that your lender stuck you with mortgage insurance payments, but you should know that just about every loan taken out that exceeds 80 percent of the home’s value will carry mortgage insurance. (Of course, without PMI, you’d have been unable to buy your home unless you came up with a full 20 percent of the purchase price in cash, so there’s that.) To make the math easy, if your home has a value of $100,000 and you take out a loan for $81,000 or more, your loan will have some form of mortgage insurance attached to it. Private mortgage insurance insures the difference between the 20 percent a conventional lender would have required you to put down on the home and what you’re actually putting down. So, if you put down 18 percent, you’ll pay less in PMI than if you put down 3 percent (because the

Unfortunately, you can’t just get rid of mortgage insurance unless you take certain steps to do so. (Photo: Shutterstock).

lender’s risk is lower). Also, your lender is the primary beneficiary of the mortgage insurance. If you fail to make your monthly mortgage payments, and your loan goes into default, the lender will collect; not you. Here’s how that part of PMI works: If you default on your loan and the lender takes the property over, the lender will then sell off the home to pay off the debt you owe. In the course of that sale, the insurance company will pay the lender money in case the lender does not get repaid the full amount owed under the loan. In very simplistic terms, the insurance company is there to cover the lender’s potential loss on the amount of the loan that exceeds 80 percent of the original value of the home. In your example, if the loan goes into default and the lender recovers $80,000, the insurance company would pay the lender $10,000. Once you have a loan with conventional private mortgage insurance, the premium ends when the loan gets to 78 percent

of the original value of the home or midpoint in the amortization schedule. For most people with 30-year loans, the 78 percent comes around the seventh or eighth year of the loan term, just as you mentioned. Unfortunately, you can’t just get rid of mortgage insurance unless you take certain steps to do so. The first option is to simply refinance the loan. Given where interest rates are now, you might be able to get a lower rate and save even more than what you had in mind by refinancing. Furthermore, given you are about eight years into a 30-year loan, you might consider refinancing into a 15-year loan. A 15-year loan, even at this point, will save you thousands of dollars compared with what you’d pay over the 22 years left of your original loan, and you’d likely eliminate the PMI payments since property values in most of the country have risen so much over the past eight years. If you are unable to or (for some reason) don’t want to

refinance, you can apply to get rid of your PMI by paying down the mortgage balance; but you may have to pay for an appraisal of the home so the bank can confirm that the current value is at least where it was when you took out the loan eight years ago. You must also be current in your payments for the prior two years. If you were late in making a payment, you may have trouble ending the PMI payments. These are some of the basic rules and there are others that you might have to comply with. For example, you generally can’t get rid of mortgage insurance during the first two years of a loan. In other situations, the appraisal rule may be a little more restrictive than the 78 percent that is used to automatically get rid of mortgage insurance. Given these issues, it’s sometimes easier to refinance a loan than to apply for the PMI termination. Furthermore, if you can refinance your loan in 30 days, you might get the refinance done faster than having to apply for the elimination of the mortgage insurance through the lender. Your lender can give you a list of what you must do to eliminate PMI from your loan. You should also talk with a few other lenders to see what your options are. If you’re looking for your best money move, it’s this: Shop around and then compare what kind of loan you qualify for (including payments and fees) with what you’ll have to pay to get rid of PMI. We’re betting a 15-year refinance is where you’ll end up. Ilyce Glink is the author of “100 Questions Every First-Time Home Buyer Should Ask” (4th Edition). She is also the CEO of Best Money Moves, an app that employers provide to employees to measure and dial down financial stress. Samuel J. Tamkin is a Chicago-based real estate attorney. Contact Ilyce and Sam through her website, ThinkGlink.com. (C) 2019 Ilyce R. Glink And Samuel J. Tamkin. Distributed By Tribune Content Agency, Llc.

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Applies to ﬂooring materials only. Not valid on prior purchases. One offer limit per person, per order at participating locations. Offer cannot be combined with other offers. Offer expires 1/6/19. Not all products at all locations. Photos for illustrative purposes only. Not responsible for typographical errors. 2015 Carpet One Floor & Home©. All Rights reserved.*Subject to credit approval. Minimum Monthly Payments Required. See store for details. December 6-7, 2019

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Sunshine Canyon

Guiding you home in Boulder and beyond. North Boulder

4322 Sunshine Canyon Drive 4 Bed 6 Bath 7,855 SF $4,750,000 Steve Remmert 720.339.5033 steve.remmert@compass.com

Baseline Lake

1602 Violet Avenue 5 Bed 5 Bath 5,019 SF $1,995,000

6590 Lakeview Drive 3 Bed 4 Bath 2,927 SF $3,950,000

Steve Remmert 720.339.5033 steve.remmert@compass.com

Hillside

Downtown Boulder 1810 Hillside Road 6 Bed 7 Bath 5,980 SF $4,350,000 Price Reduced Steve Remmert 720.339.5033 steve.remmert@compass.com

1603 Spruce Street 5 Bed 7 Bath 5,709 SF $3,825,000

Zach Zeldner 720.480.7650 zach@zachzeldner.com

Silver Maple

Whittier

3025 18th Street 4 Bed 5 Bath 3,988 SF $2,295,000 $50,000 Price Reduction! Julie Meko 303.931.6555 julie.meko@compass.com

Coming Soon

2615 Mapleton Avenue 5 Bed 4 Bath 3,575 SF $1,800,000 Patrick Brown 303.819.2374 patrick@patrickbrowngroup.com

@compass_colorado Compass is a licensed real estate broker in Colorado and abides by Equal Housing Opportunity laws. All material presented herein is intended for informational purposes only. Information is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to accuracy of any description. All measurements and square footages are approximate. This is not intended to solicit property already listed. Nothing herein shall be construed as legal, accounting or other professional advice outside the realm of real estate brokerage.

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REALTOR FOR LIFE

Holiday gift giving to first-time homebuyers What is the benefit of setting up a FHSA? Setting up this account allows your down payment to grow free of any Colorado taxes on gains in the account. This is a nice benefit, but the true benefit for the first-time buyer is creating an automatic system for monthly contributions to ensure that savings grow. Not only could this be a unique and enduring gift for the holidays, it can also be a wonderful alternative for a wedding gift. Instead of purchasing the happy couple a set of china that is rarely used, why not give them a memorable gift towards a down payment for their first home? When a baby arrives, proud parents, grandparents, or friends and relatives can even set up a FSHA account for the newborn child to have an early start on saving for a home. How much can be put in? You can contribute a total of $50,000 in principal. The account can grow to a peak of $150,000 free of Colorado taxes. There is an annual contribution cap of $14,000 for a single person or $28,000 for a married couple filing jointly. Best of all, there is no time limit for how long the account can stay open.

Any Coloradan can set up a savings account to be used towards the down payment and costs associated with closing for a first-time home.

‘T

is the season for holiday giving and in 2019, you can give up to $15,000 in cash or assets to another person without BY DUANE having to DUGGAN worry about Realtor and Author the federal RE/MAX of Boulder gift tax. In fact, you’re allowed to make multiple $15,000 gifts to as many different people that you would like. As an example, if you would like to give each of your three children $15,000 for a total of $45,000 in gifts, you can do so December 6-7, 2019

tax-free. For gifts of this size, one idea is to help the recipient buy their first home through the Colorado First-Time Homebuyer Savings Account (FHSA). This plan is similar to a 529 college savings accounts, but for home buying. Any Coloradan can set up a savings account to be used towards the down payment and costs associated with closing for a first-time home. For most first-time home buyers, the lack of a down payment is the foremost challenge to affording a home. The FHSA, which was approved by Colorado State Legislature (House Bill 161467) and became available in 2017, is a great way to solve that issue.

What can be paid out? The down payment first and foremost. However, funds from this account can also be applied to anything included on the settlement statement such as closing costs, inspections and lender fees. How does a first-time homebuyer qualify? Clearly, it is someone who has never owned a home, BUT there are exceptions! If you were married, owned a home, and are now divorced for three or more years, you still qualify. If you were fortunate enough to inherit a home, you can still qualify, but you likely will not need to save for a down payment in that case. Finally, another way to qualify is that you can buy a home with someone who has owned a home, just as long as you have not owned a home before. How do you, or someone wishing to help you, set up? Almost any kind of account you

can set up at a financial institution can be in a FHSA. Examples are savings accounts, money market account, CDs, stocks, bonds, mutual funds and even insurance. If you are just getting started, you can open a new account, or you can designate an existing account to become an FHSA. Speak to your financial advisor or banking specialist to help you take that first step. When you file your state income taxes there will be a form to send with the return. If your taxes are completed by a tax accountant or someone else, remind them of this important financial account and the proper paperwork. What do I do when I have bought a house and used the funds? Congratulations on buying that home! There will be a form to fill out that you send to the State of Colorado showing that the funds were used toward “eligible” costs. Do I have to use a particular loan program in conjunction with my FHSA? You can use any FHA, CHFA, VA, or conventional program. In fact, there are loan programs geared toward the first-time buyer. For example, with an FHA home loan you can get in with 3-½ percent down payment. Why not create a plan for monthly contributions to your FHSA based on saving up that 3-½ percent down payment by a certain time? Before you know it, you’ve saved up enough to buy a home. Be sure to consult your financial planner, accountant, mortgage loan officer and Realtor to create a plan that is just right for your situation. Duane Duggan has been a Realtor for RE/MAX of Boulder in Colorado since 1982 and has facilitated over 2,500 transactions over his career, the vast majority from repeat and referred clients. He has been awarded two of the highest honors bestowed by RE/MAX International: The Lifetime Achievement Award and the Circle of Legends Award. Living the life of a Realtor and being immersed in real estate led to the inception of his book, Realtor for Life. For questions, e-mail DuaneDuggan@boulderco.com, call 303.441.5611 or visit boulderco.com. ATHOMECOLORADO.COM

COVERPROFILE

Create your custom look at

Tharp Custom Cabinetry By Pam Moore for At Home

hen you need custom cabinets done right, look no further than Tharp Custom Cabinetry. They’re in the business of creating high-quality custom cabinets for every type of project and providing unmatched customer service to the local community in Northern Colorado, and throughout the Mountain West. Established in 1971 in Loveland, the company initially focused on kitchen cabinets. At that time they were doing several kitchens per week, says Director of Sales Mike Fralic. But as new construction exploded in the area, Tharp grew as well. “Tharp added space and employees to keep pace,” explained Fralic. “In addition to single-family, residential kitchen, bath, laundry and closet cabinetry, Tharp’s expansion over the years now enables us to supply cabinetry for multifamily residential and commercial construction customers as well.” Today, Tharp is Colorado’s largest custom cabinet manufacturer and is proud to employ 135 team members. While most of their business comes from Colorado, they have customers in Wyoming, Nebraska, New Mexico, Utah, and even as far as Florida. As their reputation and client base has grown, so has their physical space. Having outgrown their original showroom, they recently relocated to a new showroom. Located at 380 West 37th St. in Loveland, the new 170,000 square-foot space is nearly double the size of their old space. Its layout also allows for a much smoother operational flow. 12

AT HOME COLORADO

The team at Tharp Custom Cabinetry helps customers choose the best options for their desired look and budget. (Photo: Jonathan Castner).

The original facility was composed of seven “loosely connected” buildings that totaled 90,000 square feet. “It was a challenge to operate efficiently within the confines of that structure,” Fralic said. “The move to our 170,000 squarefoot new building provides us with a contiguous space that is laid out specifically for our ‘Lean Manufacturing’ processes,” he explained. “We have room for expansion in the shop to support our desired growth, as well as a beautiful new enlarged showroom that displays many of the design options that we can manufacture for our customers.” When customers enter the 4,000 square-foot showroom, they can browse a wide array of

cabinet choices, which includes styles from rustic to modern and everything in between. No matter what style you’re looking for, Tharp has you covered. “Our professional designers are adept at working with our customers, the vast majority of whom come to us with specific wants and needs for their project,” says Fralic. “Many of our customers have designs that they have seen on TV, in print media or in person that we help personalize to their home.” To provide the latest in cabinet design, team-members regularly attend industry events such as the Kitchen and Bath Industry Show (KBIS) in Las Vegas. Fralic says they make a point of attending every year “so that we are seeing trends, designs, and products before they become popular in our regional market.” Every style of cabinet can be made with one of 11 different

types of wood and various hand-rubbed stains and painted finishes, all of which are available in samples that customers can take home. To make the process as easy as possible, designers are always available for personalized assistance. From there the process is very simple. There’s an electronic form to fill out that captures the basics of your project. Once that form is complete, customers are asked to provide detailed measurements. Once the Design Salesperson has consulted with the customer and obtained the necessary project details, Tharp provides a detailed quote with elevations within a few business days. When you work with Tharp you can rest assured all of your cabinets are made locally by people who care. Says Fralic, “We manufacture all of our products here in Loveland. Tharp provides delivery and installation services DAILY CAMERA / TIMES-CALL

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From classic to modern, rich woods to crisp colors, Tharp Custom Cabinetry has customizable choices to fit every decor. (Photo: Jonathan Castner).

by our highly trained staff.” Not only will your cabinets be made well, they’ll be made fast. Fralic boasts “industry-leading lead times.” Typically, once an order is submitted, customers will receive their order in five to six weeks. Tharp is unique in that they create a high-quality product quickly – and they do it while providing excellent customer service at every single step. Fralic tells us that Tharp’s

owner Garth Rummery has a saying: “Our competitors build boxes. Tharp provides ‘an experience.’” Customers can expect one-stop shopping, including design consultation, detailed quotes with drawings and material breakdown, delivery, and installation. Fralic said they pride themselves on “quick lead times for manufacturing, which means quicker project completion, Tharp-trained expert delivery and installation services, and beautiful

customers.” Tharp also provides its employees with opportunities for growth. Team members can cross train and move into other roles within the company. Locally owned and operated since it’s inception, Tharp knows a thing or two about how to employees and customers right. Their tagline says it all: “We are nearly 50 years in the market. We know what we are doing!” For more information visit tharpcabinets.com.

STEVE ALTERMATT, Boulder’s #1Realtor

Steve sells more homes in Boulder than any other Realtor or real estate team!

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Steve Altermatt

custom crafted cabinetry that makes our customers happy.” While customers love Tharp for its excellent products and service, staff loves the team culture and commitment to honesty. “People here operate with integrity and transparency,” said Fralic. “We have the same challenges that most companies are faced with; we are open and honest with the team and seek everyone’s input so that we can present the best experience possible for our

2875 Juilliard

Iconic 4 BD, 3 BA, 3,166 sqft Rolling Hills home is elegantly updated throughout. Beautiful kitchen with island and breakfast nook, main level living with walkout basement. Park-like backyard.

$1,465,000

4682 Ingram Court

2445 Balsam Drive

1340 Chambers Drive

Original owner, 2,756 sqft, 5 BD, 2 & 1/2 BA ranch on coveted Balsam Hill w/commanding views to the north and south of city lights, Bear Peak, Flatirons and foothills!

This 1,750 sqft 5 BD, 3 BA, ranch with full, finished basement backs to the CU South property, an undeveloped parcel of land! Walk out the back gate onto trails! This is an amazing property for runners, dog owners, and outdoor enthusiasts!

$1,365,000

$779,000

937 Roxwood Ln, unit A

1717 Spruce Street #1

Well maintained & nicely updated 4BD, 2 BA, 2,001 sqft four-level home on a 1/3 acre lot. Enjoy the large kitchen with SS appliances, a gas range. Hardwood floors on the main & upper levels with in-floor radiant heat.

One level living! Well maintained 1,719 sqft, 3 BD, 2 BA, townhome including a Master suite, close to schools, restaurants, parks, trails, golf course, and the East Boulder Rec-center!

Well kept and adorable 995 sqft, 2 BD, 1 BA, 2-story condo in the heart of downtown Boulder. Private front yard and patio, mature shade trees, shared laundry, off-street parking.

$775,000

$579,000

$525,000

Steve Altermatt, CRS 303-441-5669

www.SteveAltermatt.com • steve@stevealtermatt.com www December 6-7, 2019

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the United States, you can gift a unique box of cat-themed items such as shirts, jewelry and home decor that includes quirky toys for cats. Choose from a one-, three- or sixmonth plan. • Brookstone’s Ariana Grande Cat Ear Headphones – These deluxe white and chrome wireless headphones have a built-in microphone for phone calls and external cat ear speakers to share music. They cost $172.

With the holidays just around the corner, here are some gift ideas for dog and cat lovers to inspire your holiday shopping. (Photo: Dreamstime/TNS).

Holiday gifts for pets and pet lovers alike By Nicole Forsyth, The Mercury News Chances are you have a lot of pet lovers in your life. According to the latest National Pet Owners Survey conducted by the American Pet Products Association, 67 percent of U.S. households have a pet, which equates to about 85 million families. With holidays just around the corner, we thought we could make life easier for you by sharing some gift ideas for dog and cat lovers to inspire your holiday shopping. DOG LOVERS For those on a budget • Travel water bottle – This is a great gift for those who are always on the go with their pups. Prices start around $7. • Cooling collar – These collars use evaporative cooling to keep pups cool in hotter temperatures. Prices begin at $5. • Wine-lover glass – This cheeky 15-ounce stemless glass reads, “It’s not really drinking alone if the dog is home.” It sells for $12.99. • Coffee mug – This is the perfect mug for dog lovers, announcing, “I work hard 14

AT HOME COLORADO

so my dog can have a better life.” It is priced at $10.99. Splurge gift ideas • Furbo – The Furbo may be the most well-known of the pet monitoring devices. Not only does it dispense treats for cats and dogs, it also has a two-way chat and bark alert. The Furbo averages $199. • Dog Trailer – Bike trailers can be ideal for almost any pet, but especially older pets, puppies, and those with a medical condition or injury. Prices begin at $79. • Dog boots – Boots come in a variety of materials with various features, and you can find ones that are designed specifically for winter, summer or daily use. A set of four boots averages between $8 and $75. • BarkBox subscription – A monthly subscription includes a surprise box of dog toys, treats and other goodies (custom for your dog’s size). There is a new themed collection each month, and you can choose from a month-to-month, six- or 12-month plan with pricing starting at $25.

CAT LOVERS Budget-minded gift ideas • Wine lover glass – This large 17-ounce etched stemless glass reads, “Need wine right meow.” It sells for $16.95. • Cat pearl stud earrings – These darling silver stud earrings have cat ears and freshwater cultured pearls, and are available in a variety of finishes. The earrings cost $15.50. • Cat ring holder – This gift would make a perfect stocking-stuffer. The cat’s tail holds multiple rings and is usually made of metal. These start at $8. • Cat coasters – This dishwasher-safe set of silicone coasters features six adorable cats and costs $6.99. Splurge ideas • Cat trees – Scratching posts and trees are a great addition to any home and can give a cat hours of enrichment and exercise. Prices begin around $39 for larger trees. • Cat Lady Box – For $39.99 a month with free shipping in

• Litter Robot – This wifienabled, automatic, selfcleaning litter box allows you to never have to scoop again. It’s equipped with an automatic night light, along with a timer and sleep mode. Plus, the app allows you to check the waste drawer level remotely. It is priced at $499. PET LOVERS Budget ideas • Holiday ornament that looks like their pet or can include a picture of their pet • Custom pet socks • Matching pajama sets • Customized bandanas • Pet sweaters or rain jackets • Pet toys Splurge ideas • Custom art – Pop Your Pup offers a custom art piece of your favorite furry friend, with a huge variety of fun backgrounds to choose from in either a framed print or canvas wrap. Print prices start at $119. They also offer custom apparel and other accessories. • Custom pet renaissance art – Crown and Paw curates authentic 19th century portraits and rare Renaissance era oil paintings and combines them with pets of all shapes and sizes. Your can choose from fun options such as the Duchess, King in the North, the Count and more. Prices start at $49.95. Here’s hoping you can find some inspiration for the pet lovers in your life, or for yourself. It is the holiday season after all. DAILY CAMERA / TIMES-CALL

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OPEN HOUSE SATURDAY 1-3 • 4 Beds, 3 Baths • 2,286 SQ FT • Thoughtfully updated charming brick ranch-style

545 S 43RD ST, BOULDER

• Private setting with wonderful backyard with pond/water feature • Offered at $729,000

7086 INDIAN PEAKS TRL, BOULDER

7125 FOUR RIVERS RD, BOULDER

4 Beds • 6 Baths • 5,667 SQ FT • $1,998,000

2 Beds • 3 Baths • 4,936 SQ FT • $899,000

Custom home on a large lot backs to BCC! Enjoy the incredible indoor/outdoor entertaining spaces!

Fantastic opportunity to create and add value to this large private lot with lush landscaping!

THE PATRICK DOLAN TEAM • #1 TEAM AT RE/MAX OF BOULDER Do you have 2020 real estate plans? You need a team of experts on your side. Contact us today: 303.441.5642 • patrick-dolan.com • patrickdolanteam@gmail.com December 6-7, 2019

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OPEN HOUSE

lIST YoUr open hoUSe Berthoud 2830 center ridge dr $1,100,000 Sunday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

Boulder 1536 Greenbriar Blvd $650,000 Sunday 12:00 PM-2:00 PM Michael Bader RE/MAX of Boulder (720) 273-8335 5032 coventry court $680,000 Sunday 10:30 AM-12:30 PM Stewart Ward RE/MAX Alliance On Walnut (303) 704-7774 4650 Talbot dr $689,900 Saturday 10:30 AM-12:00 PM Peyman Razifard Modern Prestige Real Estate (303) 667-8738 4650 Talbot dr $689,900 Sunday 1:30 PM-3:00 PM Peyman Razifard Modern Prestige Real Estate (303) 667-8738 545 S 43rd St $729,000 Saturday 1:00 PM-3:00 PM Karolyn Merrill RE/MAX of Boulder (303) 817-2827 4530 Sioux drive $740,000 Saturday 11:00 AM-2:00 PM Ken Watkins RE/MAX Alliance (720) 891-5499 8073 Kincross Way $1,000,000 Sunday 2:00 PM-4:00 PM Michelle Clifford Colorado Landmark (303) 579-1029 8073 Kincross Way $1,100,000 Sunday 2:00 PM-4:00 PM Phil Booth Colorado Landmark Realtors (303) 817-8307

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QUICK GUIDE

VISIT openhomeS.aThomecolorado.com or call 303.473.1456, 303.684.5329 1590 cascade ave $1,795,000 Saturday 1:30 PM-3:30 PM marybeth emerson Colorado Landmark (720) 394-1997

1416 Sepia avenue $370,000 Saturday & Sunday 11:00 AM-1:30 PM Jitka Siguenza WK Real Estate (720) 564-6084

775 Kalmia ave $5,250,000 Sunday 11:00 AM-1:00 PM Phil Booth Colorado Landmark Realtors (303) 817-8307

915 pasque dr $370,000 Saturday 11:00 AM-2:00 PM Travis Annameier C3 Real Estate Solutions (970) 380-4163

erie

2276 Watersong circle $380,000 Sunday 1:00 PM-3:00 PM Cynthia Hogarth Melek WK Real Estate (303) 579-4884

379 Smith circle $290,000 Saturday 11:00 AM-2:00 PM Kamila Bobrova RE/MAX Alliance (720) 670-6758

Frederick 4453 Thornberry St. $435,000 Saturday & Sunday 1:00 PM-3:00 PM Brian MacDonald Coldwell Banker Residential Brokerage (303) 915-6126

lafayette 928 cimarron drive (Sales center) Starting at $429,900 Saturday & Sunday 11:00 AM-5:00 PM Tracy Carruth Markel Homes (720) 324-8350 675 amelia lane (Sales center) Starting at $434,900 Saturday & Sunday 11:00 AM-5:00 PM Marlita Lazo Markel Homes (303) 651-9565 2459 Jonquil Court $728,500 Sunday 1:00 PM-3:00 PM Pat Kahler LoKation Real Estate - Longmont (303) 589-5752

longmont 300 challenger pl $315,000 Saturday 11:00 AM-2:00 PM Regan Sample St. Vrain Realty (720) 438-5585 1317 country court h $365,000 Sunday 3:00 PM-5:00 PM Michelle Clifford Colorado Landmark (303) 579-1029

1776 Sunshine ave $459,000 Saturday & Sunday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250 5801 Grandville avenue (Sales center) Starting at $599,900 Saturday & Sunday 11:00 AM-5:00 PM Roz Pinon Markel Homes (720) 583-2170 612 West Grange court $599,900 Sunday 12:00 PM-3:00 PM Roz Pinon Markel Homes (720) 583-2170 1096 little Grove court $648,500 Sunday 1:00 PM-3:00 PM Amy Darcy LoKation Real Estate - Longmont (303) 725-3756 810 plateau road $849,900 Sunday 1:00 PM-3:00 PM Suzy Williamson RE/MAX Alliance (720) 491-9885

louisville 116 S carter court $550,000 Saturday 1:30 PM-3:30 PM marybeth emerson Colorado Landmark (720) 394-1997 1547 madison court $555,000 Sunday 1:00 PM-3:00 PM Rob Justis WK Real Estate (720) 564-6061

541 Jefferson avenue $725,000 Sunday 11:00 AM-1:00 PM Laurell Richey RE/MAX Alliance (303) 881-4525

loveland 106 n pamela St New Homes from the $300’s to $400’s Friday - Sunday 9:00 AM-5:00 PM Bill Orton LC Home (303) 587-4085 106 n pamela St New Homes from the $300’s to $400’s Tuesday 9:00 AM-5:00 PM Bill Orton LC Home (303) 587-4085 4024 plum creek drive 8-6 $315,000 Saturday 1:00 AM-3:00 PM Kimberly Caldwell Premier Lifestyle Realty (970) 980-1671 4805 mariana hills circle New Homes From The $600’s to $700’s Friday & Sunday 9:00 AM-5:00 PM Matt Walkowicz LC Home (970) 217-4787 4805 mariana hills circle New Homes From The $600’s to $700’s Tuesday 9:00 AM-5:00 PM Matt Walkowicz LC Home (970) 217-4787

niwot 6877 countryside ln 6877-278 $346,000 Sunday 12:00 PM-2:00 PM Regan Sample St Vrain Realty (720) 438-5585

Superior 2268 Imperial lane $645,000 Sunday 1:00 PM-3:00 PM Barry Remington WK Real Estate (720) 373-9297

Windsor 5510 Fairmount dr $614,999 Saturday & Sunday 12:00 PM-3:00 PM, Sunday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250 DAILY CAMERA / TIMES-CALL

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OPEN HOUSES openhomes.athomecolorado.com

Open House Saturday 11am-2pm

Open House Sunday 12-3pm

915 Pasque Dr, Longmont $370,000

2830 Center Ridge, Berthoud $1,100,000 • MLS# 898453

3 Beds • 2 Baths • Total Sq. Ft. 1,706 Updated kitchen and baths, newer laminate flooring throughout, and vinyl windows. Newer high efficiency furnace and AC (2012), newer water heater (2016), and recently replaced roof.

5 Beds • 5 Baths • 3 Car Garage 6123 Sq. Ft. of luxury w/private courtyard, enclosed balcony & expansive trex deck. Stone, stucco, iron, hardwood floors, vaulted ceilings, gourmet kitchen w/ss Appliances & granite slab, master suite w/retreat, 5 pc bth & walk-in closet.

Michael Potter 970-290-6436 mpotter@c3-re.com

John Simmons 970-481-1250 jsimmons@c3-re.com

Open House Sunday, Dec. 8th 12PM - 2PM 6877 Countryside Ln 6877-278,Niwot $346,000 • 2 bed • 2 bath

Open SUnDAY 1pM - 3pM 1096 little GrOve COUrt, lOnGMOnt

$648,500

Amy Darcy, Realtor Berry Darcy Kahler Team 303-725-3756 amycdarcy@gmail.com www.PatKahler.com

Popular 2nd floor condo with mountain views, 2 bed/2bath with loft/ flex space, recently updated with new S.S. appliances, laminate tile in the kitchen and both bathrooms, new carpet and paint throughout. Vaulted ceilings in living room and kitchen, living room fireplace, opens to a deck off the living room. Feels like new, one owner, walk to downtown Niwot, restaurants, brewery, coffee shops, bike path, and trails. Must see.

This craftsman-style ranch has the perfect space for entertaining. Abundant upgrades too numerous to list include beveled hickory flrs, maple cabinets w/soft close & pullouts, designer tile, KitchenAid S/S & coffered ceilings. You’ll enjoy the custom double shower ensuite & mostly finished bsmt w/family room, rec space, bdrm & full bath. Easy to maintain yard & 2-level deck. This is THE one!

Regan Sample Broker Associate, SRES 720-438-5585 regan@stvrainrealty.com

listed By pat Kahler | (303) 589-5752 | patriciakahler@gmail.com

Open House Saturday, Dec 7th 11AM - 2PM 300 Challenger Pl Longmont $315,000 • 2 bed • 1 bath Best value in Longmont. Move in ready 2 BR home on a cul-de-sac, corner lot, backs to open space, includes 2 car garage, beautiful tile floors, gas stove, fenced yard. Perfect for a first time home owner or investment property. Close to the rec center, shopping, etc. Regan Sample Broker Associate, SRES 720-438-5585 regan@stvrainrealty.com

lIst YoUr open hoUse December 6-7, 2019

Open SUnDAY 1pM - 3pM 2459 JOnqUil Ct, lAfAYette

$728,500

Beautifully finished home in great location! This 4 bdrm, 4 bath home is perfect for entertaining w/open floor plan, new carpet, refurbished wood floors, new kitchen granite, and a new furnace. Cherry cabinets & s/s appliances. Large master bedroom w/vaulted ceilings & 5-pc master bath ensuite. Main floor office w/custom bookcase & built-ins. Lots of room in the finished basement. Park-like private fenced backyard w/deck. You won’t want to miss this one!

Pat Kahler Berry Darcy Kahler Team Cell: (303) 589-5752 patriciakahler@gmail.com www.PatKahler.com

listed By pat Kahler | (303) 589-5752 | patriciakahler@gmail.com

VIsIt openhomes.athomecolorado.com or call 303.473.1456, 303.684.5329

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ASK THE EXPERT

Home inspection in a nutshell A home inspection is an objective visual examination of the physical condition and systems of a house, from the roof covering to the foundation BY RICK and/or basement JACQUEMARD floor. A typical Flatirons Home home inspection Inspections report will cover the condition of a home’s roof, attic and visible insulation; the foundation, basement and structural components; heating and air conditioning systems (temperature permitting); interior plumbing and electrical systems; walls, ceilings, floors, windows and doors. There are several reasons for having a home inspected. For many people buying a home is the largest single investment they will ever make. To reduce the possibility of unexpected surprises and difficulties, you will want to learn as much as you can about the newly constructed or existing

house before closing the deal. A home inspection may identify the need for major repairs or builder oversights, as well as the need for maintenance to keep it in good shape. After the inspection, you will know more about the house, which will allow you to make informed decisions. If you are planning on selling your home, a pre-listing inspection will give you the opportunity to make repairs putting the house in better selling condition. Just as the cost of housing varies depending on location so do inspection fees. In addition, the inspection fee will vary depending on several other factors such as the size of the house, its age and possible optional services such as septic, radon or other environmental testing and outbuildings. The cost of an inspection should not be a factor in deciding whether to have a home inspection or in the selection of your home inspector. Knowledge gained from a home inspection is well worth the cost, however, the lowestpriced inspection is not always a bargain. Use the inspector’s

qualifications, including training and certifications, any experience in the building trades and time in the business as a guide. Real estate agents and brokers familiar with inspections should be able to provide you with names of reputable inspectors. Also, family or friends who have had inspections done in the past are a good resource. Home inspections are not pass/ fail. A home inspector will not pass or fail a house but describe its physical condition and what components and/or systems may need major repair or replacement. No house is perfect. If the inspector identifies problems, it doesn’t mean you should or shouldn’t buy the house, only that you will know in advance what to expect. If you are on a tight budget, or you don’t want to become involved in future repair work, this information will be important to you. If major problems are found, a seller may agree to make repairs or reduce the asking price. If it turns out the house is in good condition you can complete the purchase with

confidence. You will have learned important things about your new home from the inspector’s written report and will have that information for future reference. Home inspectors are typically contacted following the signing of a contract or purchase agreement. Before signing, be sure there is an inspection clause in the sales contract. The purchase should be contingent on the findings of a home inspection specifying the terms and conditions agreed to by both the buyer and seller. It is not required that you attend the inspection. However, it is recommended that you attend a walk-through of the inspection. It is not necessary to observe the inspector testing every electrical outlet, plumbing fixture, door and window. On a walk-through at the end of and inspection you will be able to ask questions and you learn about the condition of the home and how to maintain it. For more information on home inspections contact Rick Jacquemard, at 720.280.3544, e-mail rick@flatironshi.com or visit flatironshi.com.

MAKE ONE OF THESE GREAT PROPERTIES YOURS! UNDER CONTRACT!

Large 3/4 Acre Lot!

138 Acres of Vacant Land!

Carter Lake Live/Work Opportunity!

3805 Verbo Road, Loveland $565,000 • MLS# 899267

2800 Kyle Circle, Loveland $625,000 • MLS# 898211

4151 Wilderland Way, Loveland $925,000 • MLS# 877823

3505 S County Road 31, Loveland $1,200,000 • MLS# 871670

4 Beds • 4 Baths • Total Sq. Ft. 2916 Need Outbuildings? Take a look at this rural home on 3/4 acre with 2 car attached garage, 2 car detached garage with bonus storage space, and a 25x40 RV Garage with 11’ doors! All with no HOA!

5 Beds • 4 Baths • Total Sq. Ft. 3943 Come see this home in desirable Bonnell

138 Acres of Vacant Land bordering Devils

West! Features main floor office, main

Backbone Open Space! Only 15 minutes to

floor laundry, main floor master with walk

Downtown Loveland but feels like a world

in closet and 5 piece master bath, and

away! Call for more details or to

backs up to neighborhood open space!

schedule a tour!

3 Beds • 4 Baths • Total Sq. Ft. 2820 Opportunity abounds at the North Shore RV Park & Store with multiple streams of income with potential for more! Schedule your showing now to see this Live/Work property in the Carter Lake area!

Co-listed with Rico Devlin 970-413-1182 • rico@lcrealestategroup.com

I AM YOUR MOUNTAIN PROPERTY SPECIALIST!

970-231-4172 • jfeeney@c3-re.com My marketing can get your property sold…Contact me now and receive a FREE market analysis!

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19 Years

of Boulder County Gold Awards!

2276 Watersong Circle Longmont 12027 Saint Vrain Road Longmont 7947 Heritage Drive Thornton Open Sun 1-3pm $380,000 New Listing! $1,200,000 New Listing! $500,000 South Facing Townhome in Creekside! Great potential on east side of Longmont. Garden level ranch in active adult community. www.2276.wkre.com www.12027.wkre.com www.7947.wkre.com Cynthia Hogarth Melek: 303-579-4884 Jim Green: 303-775-2553 Dene Yarwood: 303-808-0076

10656 Butte Drive 3 Bed, 2 Bath Charming starter home! www.10656.wkre.com Lydia Moy: 303-731-9513

Longmont $325,000

3713 Doral Drive Longmont 2120 9th Avenue Longmont 4 Bed, 3 Bath $479,500 5 Bed, 4 Bath $750,000 Beautiful ranch style home in SW Longmont. Rare .9 acre property in Longmont! www.3713.wkre.com www.2120.wkre.com Lydia Moy: 303-731-9513 Craig Cowley: 303-589-4009

3704 Braeburn Place Longmont 37285 County Road 27 Eaton 423 Brooks Avenue Lafayette 6 Bed, 5 Bath $1,055,000 6 Bed, 5 Bath $1,695,000 Land $225,000 Custom home in Somerset Meadows. Incredible custom home on 35 acres. Build a dream home across from open space! www.3704.wkre.com www.37285.wkre.com www.423.wkre.com Rebecca Weihe: 303-903-3231 Jim Green: 303-775-2553 Judy Scott: 303-931-7220

VIEW THE ENTIRE MARKETPLACE INVENTORY OF LISTINGS ON WKRE.COM BOULDER OFFICE: 303.443.2240 LONGMONT OFFICE: 303.776.3344 wkre.com December 6-7, 2019

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ASK ANGIE'S LIST:

How can I boost productivity in my home office? By Diana Crandall Angie's List Working remotely has its perks, but it can also present unique challenges to stay on task and move full steam ahead. If you feel held back from reaching your potential on the job, consider upgrading hidden components of your home office to increase productivity and put your best foot forward. Plants Fresh foliage does more than brighten things up in your workspace. In addition to oxygenating the air, multiple studies have found that natural additions to a room positively impact mood, increase self-esteem and boost productivity. If you already have a few plants here and there, take it a step further by installing a green wall. A handyman or carpenter can safely attach the fixture to weightbearing studs; all you have to supply is a green thumb. Conceal clutter Few of us work best in "organized chaos." In fact, a messy workspace can devastate productivity. Multiple studies and data points suggest that disorganized desks and office spaces are the source of distraction and hours of searching for mishandled documents and lost information. Sometimes, this disorganization is digital. A professional organizer can help you clean up your work station whether it's on the computer or all over the floor. Install new flooring You might have wall-to-wall

A little bit of greenery can go a long way in increasing productivity in your home office. (Photo: Dreamstime/TNS).

carpeting in your house, or maybe you have tile or stone. In any case, your home office should be a comfortable working space. So, whether it's soft carpet or laminate that puts you in the zone, it's worth it to take the extra step and upgrade your flooring. The cost of installation will depend on how large your space is and the material you choose. Switch up decor When it comes to productivity, decor is everything. Perhaps you work best with calming white walls, or maybe you're most productive with a few pops of bright color throughout your space. Whatever you've chosen, consider taking it a step further.

Candles or oil diffusers with invigorating smells like lemon or peppermint can boost energy, promote concentration and improve clear thinking. Also consider using your space to your advantage; a chalkboard wall creates a perfect excuse to brainstorm without leaving the room. A professional painter can complete a job like this in a day or two, including any prep needed to protect your drywall. Invest in new lighting Think about when you feel the best at work: Is it a summer morning with the window open? How about an overcast winter afternoon when the light is "cooler" in temperature? While & AT N SN 1-3 E OP SU

Elliott Apartments are located in a historic residential neighborhood in Longmont, Colorado. Just two blocks from beautiful main street Longmont, Elliott Apartments has easy access to shopping, restaurants, and entertainment.

Offering 1, 2, and 3 bedroom apartments.

some experts suggest the latter promotes alertness, it's up to you to identify when you feel best at work and replicate that lighting. "Day bulbs" in your lamps can brighten up your late afternoons; anti-glare ceiling lights can reduce stress levels. Just be sure to consult an electrician if you're installing anything beyond a new bulb – it's extremely dangerous to DIY this type of work. And hiring a professional will go a long way in ensuring the safety of your family and home. Diana Crandall is a reporter for Angie's List, a trusted provider of local consumer reviews and an online marketplace of services from top-rated providers. Visit AngiesList.com.

2015 Cuda Ct, Berthoud $679,900 | MLS #894105

Perfect location on outskirts of small town Berthoud yet close to everything! Beautiful Modern Farmhouse BRAND NEW! Office, upscaled lighting fixtures. Spacious kitchen w/lg island, shiplap hood/vent, SS appliances. Open great rm w/fireplace & shiplap detailing w/timbered mantel. Over 10k sf lot. Wonderful mtn views. Nearby fishing & new TPC Golf Course. 30 min to Boulder & other surrounding communities. NO METRO TAX.

Call Tracy’s Team

970-222-4344 info@tracysteam.com | www.TracysTeam.com

418 Emery St. Longmont • (303) 772-6452 20

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DESIGN RECIPES

How to use unexpected colors this holiday season By Cathy Hobbs, Tribune News Service When thinking of the holiday season, what colors come to mind? Perhaps ruby reds and hunter greens, maybe metallics such as silver and gold? The holidays are a time in which bright and festive colors can help set a mood and welcome the festivities. Here are some tips and ideas to help make your holiday season fun, festive and bright.

6. Look for interesting color combinations such as pastel colors paired with neutral colors such as black, white, taupe and gray. 7. Use metallic colors such as silver and gold. These elements can always add a touch of glam to any holiday decor.

1. Do consider jewel-toned colors. Vibrant, rich, colors such as sapphire, ruby and emerald always make a statement.

8. Make a statement with your table setting or tabletop decor. This is an excellent opportunity to incorporate color and texture.

2. Look for interesting opportunities to bring in color such as lighting.

9. Bring in interesting organic elements either indoors or outdoors such as branches, twigs and trees.

3. Use portable decor holiday items to incorporate color such as toss pillows, throws and decorative accessory items. 4. Consider using different tints, tones and shades of the same color in a space. 5. Incorporate greenery. Evergreens as well as hearty berries can help extend the season and allow for holiday

The unexpected color of black paired with red for a holiday table.(Photo: Dreamstime/TNS).

color outdoors.

10. Consider citrus colors such as yellow, orange, green and red to help warm your space. Cathy Hobbs, based in New York City, is an Emmy Award-winning television host and a nationally known interior design and home staging expert with offices in New York City, Boston and Washington, D.C. Contact her at info@cathyhobbs.com or visit her website at cathyhobbs.com.

FEATURED AGENT Professional Home Inspections

KAREN BERNARDI

For Home Buyers and Sellers

720-280-3544

The Bernardi Real Estate Group 303-402-6000 karen@bernardigroup.com

“Peace Of Mind Every Time”

Read Karen’s At Home profile at: www.athomecolorado.com/karen-bernardi

www.ﬂatironshi.com rick@ﬂatironshi.com

RENTAL SPOTLIGHT Your Guide to Rental Communities in Boulder, Broomfield, Larimer and Weld Counties

AtHomeColorado.com/Rentals Complex Name The Hub Apartments

Address

Type

Rent

$1,799 1853 26th Street Apartments per month Boulder, CO 80302

Bed/Bath 2 Bed, 2 Bath

Description Choosing to live in apartments in Boulder means opting for beautiful scenery, a vibrant social scene and a quick commute to both the mountains and the city. The Hub offers you all that and more. Join friends by the pool or at our clubhouse, with free WiFi and a coffee bar, while you plan how to make the most of your day. From sunrise to sunset, the iconic peaks are stunning from your large apartment windows or personal patio. Secluded and serene, yet incredibly close to the 29th St. Mall and all the fun of Boulders dining and shopping scene, The Hub is just that—the perfect hub in the heart of everything you love.

Other Amenities

Information

Pet Friendly, Newly Renovated Clubhouse, Doggy Park, Fire Pit, Laundry Facilities

303-447-179 thehubboulder.com

To list your rental or community call Thais Hafer at 303.473.1456 or e-mail hafert@dailycamera.com December 6-7, 2019

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Real Estate

Boulder County w w w. w.W WK K RE E om m R ..cco Gold Award

15 years 303-443-2240 in a row!

Visitphotos our websiteand details See tofor see all photos & listings at: W RIGHT K INGDOM details for all

Thinking of Moving? Check out these great homes and many more at:

E E E S S T T A A T T E E

HomesInColorado.com O

STEPS TO CHAUTAUQUA 655 12th St, BOULDER MLS #809578

"TO BE BUILT" HOME 9788 Meadow Ridge Ln, LONGMONT MLS# 809885

MODERN FARMHOUSE W/ VIEWS 8812 Lakeside Ct, BOULDER MLS# 809881

wkre.com

available listings 303.443.2240 LOCAL AND NATIONAL PROPERTIES ON THE WEB! R R E A L R E E A A L L

PLACE YOUR AD: 303.466.3636 BOULDER/BROOMFIELD/LONGMONT OR 970.635.3650 LOVELAND OR FRONTRANGECLASSIFIEDS.COM

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LUXURY BOULDER CONDOMINIUM 1155 Canyon Blvd 208, BOULDER MLS# 810424

DAKOTA RIDGE HOME & LOT 5229 & 5239 Pierre St, BOULDER MLS# 810192 Barb Passalacqua, 303-931-6673

-1 n 11 Su

PRIVATE DOWNTOWN BOULDER CONDO 2056 Walnut St B, BOULDER MLS# 810059

NORTH BOULDER NEW BUILD 810 Zamia Ave, BOULDER MLS# 809457

SPACIOUS NORTH BOULDER HOME 1695 Norwood Ave, BOULDER Coming Soon! Ashley Newell, 303-518-0691

STUNNING SOMERSET MEADOWS HOME 2009 Coralbells Ct, LONGMONT MLS# 809781

OLD TOWN BUNGALOW 411 Grant St, LONGMONT MLS# 810042

PRIVATE CORNER LOT HOME 4105 Riverside Ave, BOULDER MLS# 809703

CUSTOM RENOVATION NEAR PEARL ST 1289 Yellow Pine Ave, BOULDER MLS# 810416

UTE CREEK GOLF COURSE HOME 1922 Rannoch Dr, LONGMONT MLS# 810171

SPACIOUS TWO-STORY HOME 3764 Osier Pl, LOVELAND MLS# 809745

GREAT INVESTMENT PROPERTY 1601 Great Western Dr O-6, LONGMONT MLS# 809974

Boulder 303.499.9880

Downtown Boulder on Walnut Nederland 303.442.3180 303.258.7020

4770 Baseline Road Suite #220 1911 11th Street 107 Boulder, CO 80303 Boulder, CO 80302

Downtown Longmont 303.651.3939

286 N Bridge St 512 4th Avenue Suite 101 Nederland, CO 80466 Longmont, CO 80501

Each office independently owned and operated.

303.449.3434 195 BELLEVUE DR, BOULDER

EXPANSIVE VIEWS

7451 N 63RD ST, LONGMONT

42 ACRE ESTATE

Beautiful country estate situated on 42 acres of rolling, irrigated pasture & grass hay fields surrounded by organic farms & open space near Haystack Mountain & Lefthand Creek. Enjoy unobstructed views of foothills, Flatirons & Indian Peak back ranges from the deep wraparound porches, trellis-covered decks & heated in-ground pool w/ stone waterfall. Viking kitchen, master suite with his/hers closets & 6-piece bath, 1500-bottle walk-in stone wine cellar, theater room, work out room and much more!

Stunning new home on coveted Bellevue Drive. Tucked into the hillside w/ expansive foothills, city & plains views. Tons of natural light & outdoor living space. Unsurpassed finishes throughout. Open floor plan w/ formal living & dining rooms, magnificent chefâ€™s kitchen w/ butlerâ€™s pantry & casual dining area, main floor master w/spacious luxury bath, second main floor bedroom suite.

195Bellevue.com $3,475,000 Bill Goodacre 303-880-4440

7451N63rd.com $4,750,000 Tim Goodacre 303-817-9300

Tim Goodacre 303-817-9300

4217 ELDORADO SPRINGS DR, BOULDER

ELDORADO SPRINGS

SITTING ON 20 ACRES

Magnificent Engelmann Spruce log home on 5+ private acres abutting South Boulder Creek w/breathtaking views of Flatirons & Devils Thumb. Minutes away from Eldorado Canyon State Park & Mesa Trail. Exquisite handcraftmanship thruout inc. custom wood doors, kitchen cabinets, bathroom vanities, lighting fixtures. Antique reclaimed wood beams, wide plank white oak floors, four gas fireplaces.

Contemporary farmhouse on 20 lush acres backing to Left Hand Creek w/ great views of Haystack & Flatirons mtns. One of a kind, modern estate, completely rebuilt and located just minutes from Boulder. Spacious bright design, main level master suite, pool, pool house, tennis court, lighted hockey/ sport court. Reclaimed Wyoming Snow fence siding, reclaimed beams, mixed hardwood flooring, soaring ceilings, 2+car attached garage, carport, barn & more!

4217Eldorado.com $6,499,000

9018 JASON CT, BOULDER

Y DA UN NS PE 2-4

AY ND SU EN -1 OP 11

MLS#809687 $2,495,000 Kayla Garthwaite 720-352-8844 Peter Garthwaite 303-931-2777

atHome

CSU Extension: Go Forth and Prune

Good times in Boulder County and in Colorado will continue said local economic experts at the recent Boulder Economic Forecast. But they caution that 2018 may not reach the heights of 2017.

Warm days woo us to get out and get some fresh air. If you canâ€™t resist, then take the time to prune some shrubs.

FEBRUARY 2-3, 2018

ATHOMECOLORADO.COM

Office Hours: Thursday â€“ Sunday 12pm-4pm Two-story and ranch plans available Homes starting in the high-$300,000â€™s Call for more information and inventory

www.AtHomeColorAdo.Com/open-Houses

QUICK GUIDE

Office Hours: Thursday â€“ Sunday 12pm-4pm

Horn Street BOULDERTwo-story and ranch3092 plans Big available + Homes starting in the$1M high-$300,000â€™s 6903 Frying Pan Road Daily,and 11am-5pm Call for more information inventory $719,900 Roz Giannasi Pinon Saturday & Sunday, 1-4pm Markel Homes Stan Meade Chris Sweeney Jill Leichliter 303.817.7777 720.480.6106 303-442-0309 RE/MAX Alliance www.pedaltoproperties.com

970-443-7789

6903 Frying Pan Road $719,900 4500 Whitney Place & Sunday, Model HomeSaturday Located at 1-4pm $739,900 Jill Leichliter Saturday, 11am-1pm 1527 Otis Drive, Longmont RE/MAX Alliance Brian Sundberg Office Hours: Thursday970-443-7789 â€“ Sunday 12pm-4pm RE/MAX of Boulder, Inc. 303-931-5483 Two-story and ranch plans available Whitney Place Homes starting in the4500 high-$300,000â€™s $739,900 Call for 6G more information and inventory 4522 13th St., Unit Saturday, 11am-1pm $825,000 Meade Chris Sweeney Brian Sundberg Sunday,Stan 1-4pm 303.817.7777 720.480.6106 RE/MAX of Boulder, Inc. Michael Rebich www.pedaltoproperties.com 303-931-5483 RE/MAX of Boulder 303-478-3207 4522 13th St., Unit 6G Model Home$825,000 Located at 460 Quail Circle Sunday, 1-4pm $885,000 1527 Otis Drive, Longmont Saturday, 12-3pm Office Hours: Thursday Michael â€“ SundayRebich 12pm-4pm Karolyn Merrill RE/MAX of Boulder Two-story and ranch 303-478-3207 plans available WK Real Estate 303-817-2827 Homes starting in the high-$300,000â€™s Call for more information and inventory 460 Quail Circle 2200 Bluebell Ave. $885,000 Stan Meade Chris Sweeney Saturday, 12-3pm $1,300,000 303.817.7777 720.480.6106 Sunday, 1-3pm Karolyn Merrill www.pedaltoproperties.com Craig Peterson WK Real Estate WK Real Estate 303-817-2827 720-564-6008 Model Home2200 Located at Bluebell Ave. 635 Paragon DriveOtis Drive, 1527 Longmont $1,300,000 $1,399,000 Office Hours: Thursday Sunday, â€“ Sunday1-3pm 12pm-4pm Sunday, 12-2pm Craig Peterson plans available Mike Moger Two-story and ranch WK Real Estate Homes starting in the high-$300,000â€™s WK Real Estate 720-564-6008 Call for more information and inventory 303-859-4467

lIst Your open

Boulder Countyâ€™s Future Is Bright, But Challenges Are Ahead

Office Hours: Thursday â€“ Sunday 12pm-4pm Two-story and ranch plans available Homes starting in the high-$300,000â€™s Call for more information and inventory

Stan Meade Chris Sweeney 303.817.7777 720.480.6106 www.pedaltoproperties.com

Model Home Located at Model Home Located at WWW.ATHOMECOLORADO.COM/OPEN-HOUSES 1527 Otis Drive, Longmont 1527 Otis Drive, Longmont

Anthem Ranchâ€™s Resort-Style Living Celebrates Health, Social Connections and Natural Beauty.

Looking for a home? View comprehensive listings of local open houses taking place this weekend from all across the area.

Firuzeh Saidi 303-523-9289

Model Home Located at 1527 Otis Drive, Longmont

Stan Meade Chris Sweeney 303.817.7777 720.480.6106 www.pedaltoproperties.com

Coloradoâ€™s Resort-Style Community for Active Adults Nearly Sold Out

Quick Guide and Featured Open Homes

4260WildHorse.com $978,000

Bill Goodacre 303-880-4440 Tim Goodacre 303-817-9300

Model Home Located at 1527 Otis Drive, Longmont

OPEN HOUSE

Colorado Home & Real Estate | AtHomeColorado.com

4260 WILD HORSE DR, BROOMFIELD

LIVE WHERE YOU PLAY! 55+ Anthem Ranch Community. Luxurious 2015 Montana model, premier lot backs to open space w/mtn views. Customized home offers hardwood flrs throughout, gourmet kitchen w/center island, light filled formal dining rm w/2-sided fireplace, expansive great rm w/triple sliding glass door opens to covered deck.

10649Goosehaven.com $1,298,000

9018Jason.com $1,995,000

Tim Goodacre 303-817-9300

www.AtHomeColorAdo.Com/open-Houses

Real Estate News, Open Home Listings, Homes for Sale, Rentals and More!

Located on the best street in Boulder! Neighborhood lined with mature maple trees that burst with yellow, orange and red colors in the fall! Corner of 4th and Mapleton! One block to Sanitas Trail and a short stroll to Pearl Street! Completely remodeled historic home with the original charm and character.

ANTHEM RANCH

Incredible back range views from this lake front estate in Lafayette. Enjoy swimming, fishing, paddle boarding etc. on the private neighborhood lake. Sophisticated style throughout. Large kitchen with high-end appliances, bright & open floor plan, dramatic lake and mountain views from the main level master.

OPEN HOUSES FEATURED REAL ESTATE

400 MAPLETON AVE, BOULDER

Tim Goodacre 303-817-9300

10649 E GOOSE HAVEN DR, LAFAYETTE

PRIVATE LAKE

Awe inspiring White Hawk Ranch home set on 1.44 acres w/ sweeping views of the back range from Flatirons to Longs Peak. A transitional blend of architecture, its distinctive exterior offers curb-stopping appeal. Built to the highest, 21st century standards, this home offers quality materials & workmanship throughout.

MAPLETON HILL

5225Niwot.com $6,490,000

Tim Goodacre 303-817-9300

WHITE HAWK RANCH

5225 NIWOT RD, LONGMONT

Office Hours: Thursday â€“ Sunday 12pm-4pm 3092 Big Horn Street 3092 Big Two-story andHorn ranch Street plans available 3092 Big Horn Street $1M + $1Mstarting + Homes in the high-$300,000â€™s $1M + Daily, 11am-5pm 11am-5pm CallDaily, for more information and inventoryDaily, 11am-5pm Roz Giannasi Pinon Roz Giannasi Pinon Roz Giannasi Pinon Markel Homes Markel Homes Markel Homes Stan Meade Chris Sweeney 303-442-0309 303-442-0309 303.817.7777 303-442-0309 720.480.6106 www.pedaltoproperties.com

3092 Big Horn Street $1M + Daily, 11am-5pm Roz Giannasi Pinon Markel Homes 303-442-0309

3092 Big Horn Street 3092 Big Horn Street $1M + $1M + Model Home Located at Daily, 11am-5pm Daily, 11am-5pm Giannasi Pinon Roz Giannasi Pinon 1527Roz Otis Drive, Longmont Markel Homes Markel Homes Office 303-442-0309 Hours: Thursday â€“ Sunday 12pm-4pm Two-story and ranch plans available 303-442-0309 6903 Frying Pan Road Homes starting in the high-$300,000â€™s 3092 Big Horn Street BRIGHTON Call$1M for more $719,900 + information and inventory Saturday & Sunday, 1-4pm 14169 Whitney Circle Daily, 11am-5pm Jill Leichliter Stan Meade Chris Sweeney $799,000 Roz Giannasi Pinon 303.817.7777 720.480.6106 RE/MAX Alliance Sunday, 12-2pm Markel Homes www.pedaltoproperties.com 970-443-7789 Tom Precourt 303-442-0309 635 Paragon Drive RE/MAX Alliance on Walnut 4500 Whitney Place $1,399,000 Model Home Located at 303-921-9080 $739,900 Sunday, 12-2pm Saturday, 11am-1pm 1527Mike Otis Drive, Longmont Moger 14169 Whitney Circle Brian Sundberg Real Estate â€“ Sunday 12pm-4pm Office WK Hours: Thursday $799,000 RE/MAX of Boulder, Inc. 303-859-4467 Two-story and ranch plans available Sunday, 12-2pm 303-931-5483 Homes starting in the high-$300,000â€™s Tom Precourt Biginformation Horn Street Call3092 for more and inventoryRE/MAX Alliance on Walnut 4522 13th St., Unit 6G $1M + 303-921-9080 $825,000 Daily, 11am-5pm Stan Meade Chris Sweeney Sunday, 1-4pm 303.817.7777 Roz Giannasi 720.480.6106 Pinon BROOMFIELD Michael Rebich www.pedaltoproperties.com Markel Homes RE/MAX of Boulder 14169 Whitney Circle 303-442-0309 303-478-3207 $799,000 Model Home Located at Sunday, 12-2pm 3092 Big Horn Street 460 Quail Circle Tom Precourt + Drive, Longmont 1527$1M Otis $885,000 RE/MAX Alliance on Walnut Daily, 11am-5pm Saturday, 12-3pm Office Hours: Thursday â€“ Sunday 12pm-4pm 303-921-9080 Roz Giannasi Pinon Karolyn Merrill Two-story and ranch plans available Markel Homes WK Real Estate Homes starting in the high-$300,000â€™s ERIE 303-442-0309 303-817-2827 Call for more information and inventory 1907 Quest Drive 3092 Big Horn Street 635 Paragon Drive 2200 Bluebell Ave. $487,000 Stan Meade Chris Sweeney Stan Meade Chris Sweeney 3092 Big Horn Street $1M +720.480.6106 $1,300,000 720.480.6106 $1,399,000 303.817.7777 Saturday, 1-4pm $1M +303.817.7777 www.pedaltoproperties.com www.pedaltoproperties.com Daily, 11am-5pm Sunday, 12-2pm Sunday, 1-3pm John Brewer Daily, 11am-5pm Roz Giannasi Pinon Mike Moger Craig Peterson Cherry Creek Properties, Inc Roz Giannasi Pinon Markel Homes WK Real Estate WK Real Estate Markel Homes 303-638-7741 303-442-0309 303-859-4467 720-564-6008 303-442-0309 VIsIt AtHomeColorAdo.Com/suBmIt-open-House or CAll 303.473.1456, 303.684.5329 House 3092 Big Horn Street $1M + Daily, 11am-5pm Roz Giannasi Pinon Markel Homes 303-442-0309

3092 Big Horn Street $1M + Daily, 11am-5pm Roz Giannasi Pinon Markel Homes 303-442-0309

635 Paragon Drive $1,399,000 Sunday, 12-2pm Mike Moger WK Real Estate 303-859-4467

3092 Big Horn Street $1M + Daily, 11am-5pm Roz Giannasi Pinon Markel Homes 303-442-0309

1984 Pikes Peak $529,900 Saturday, 11am-1pm Chad Martin ERA Tradewind Real Estate 720-526-8811

3092 Big Horn Street $1M + Daily, 11am-5pm Roz Giannasi Pinon Markel Homes 303-442-0309

1984 Pikes Peak $529,900 Saturday, 11am-1pm Chad Martin ERA Tradewind Real Estate 720-526-8811

LIST YOUR OPEN HOUSE

VISIT ATHOMECOLORADO.COM/SUBMIT-OPEN-HOUSE OR CALL 303.473.1456, 303.684.5329

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ATHOMECOLORADO.COM/ADVERTISE Call Toni McNeill 303.684.5329, Thais Hafer 303.473.1456 or Mary Romano 303.473.1450 22

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Real Estate

**DISTRESS SALE** Bank Foreclosures FREE list of Bank-owned properties Receive a FREE Computerized printout Pre-recorded message 1-855-953-1525 ID# 1042 Re/Max Alliance FAIR HOUSING NOTICE All real estate advertising in this newspaper is subject to the Federal Fair Housing Law which makes it illegal to advertise a preference limitation or discrimination based on race, color, religion , sex, handicap, familial status, or national origin, or an intention to make any such preferences, limitation or discrimination. This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis. To complain of discrimination, call The Colorado Civil Rights Office at 1-800-262-4845/ HUD at 1-800-669-9777.

303.466.3636 BoUlder/Broomfield/longmont or 970.635.3650 loveland or frontrangeclassifieds.com

Rentals

Foothills Apartments in Loveland: 2BR 1BA-$1050/month, water, sewer & trash included, Washer & Dryer in Unit.

No Pets. 1 Year Lease. 970-669-7850

Large 1BR Apt, 800 sq ft Sunny, Quiet Building in Longmont. $975/month, Heat Included. No Pets.

Justin 720-579-7215 NE Longmont 1BR Apt: $800/month + deposit, Trash, Gas, Water Paid. 303-941-2158 or email Slavenski8@aol.com

Mature Male or Female Roomate Wanted to Share Large 3BR 2BA Mobile Home in Quiet Farm Setting North of Lafayette. $725 per month, utilities included. 978-221-7446

FIRST TIME BUYERSWhy rent when you can own? Free list of homes DRIVE YOUR available with no money down, under $1300 /month WHEELS! Free recorded message List your car, RV, 1-855-953-1525 ID#1051 boat or motorcycle RE/MAX Alliance and get ready to roll!

TURN USED ITEMS

into quick cash with Classifieds! December 6-7, 2019

Call 303-466-3636 970-635-3650 719-275-5300 888-355-0935

SAN JUAN DEL CENTRO APARTMENTS 2, 3 & 4 Bedroom Apts Available Now - Apply Today **INCOME RESTRICTIONS APPLY**

Applications by Request. Call, Write or Stop by 3100 34th St , Boulder, CO 80301 303-442-0230 Hours of Operation: Monday-Friday 9am-6pm Equal Housing Opportunity

DRIVE YOUR WHEELS!

List your car, RV, List your car, RV, boat or motorcycle boat or motorcycle and get ready and get ready to roll! to roll!

Call

303-466-3636 970-635-3650 719-275-5300 888-355-0935

Seeking a mature professional for a comfortable space in Lafayette home. Your private space includes a large living area, bedroom w/walk in closet and full bath w/tub. Just updated w/new carpet, paint and bath. Shared kitchen and laundry on main level. Prefer one adult that works outside the home. NON SMOKER (no tobacco or 420). Sorry not pets. Great location in SW Lafayette, close to Good Samaritan Hospital. Easy access to Denver, Boulder, Longmont. Avail. early Dec. lease terms are flexible - $1095 per mo. Currently unfurnished, may be able to furnish if needed. Also may be adding a kitchenette. Call or text 239 537-9593

PLACE YOUR AD!

CALL NOW 303-466-3636 OR 970-635-3650

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RECENTLY LISTED HOMES

BOULDER | 3696 BERKLEY AVENUE

DENVER | 1416 LITTLE RAVEN STREET C

LONGMONT | 10350 MACEDONIA STREET

3 BR * 2 BA * 2028 TSF (891000) * $670,000

3 BR * 3 BA * 1893 TSF (892183) * $779,000

4 BR * 3 BA * 1950 TSF (899115) * $675,000

UNDER CONTRACT

OPEN SATURDAY 1 - 3 PM

LONGMONT | 4534 PORTOFINO DRIVE

LONGMONT | 720 HAYDEN COURT

BOULDER | 545 S. 43RD STREET

4 BR * 3 BA * 2158 TSF (899373) * $505,900

3 BR * 3 BA * 1651 TSF (899499) * $395,000

4 BR * 3 BA * 2286 TSF (899500) * $729,000

UNDER CONTRACT

ERIE | 363 TYNAN DRIVE

NORTHGLENN | 1340 KENNEDY DRIVE

LONGMONT | 1746 SHAVANO STREET

3 BR * 2 BA * 1504 TSF (899506) * $399,900

3 BR * 2 BA * 1868 TSF (899538) * $365,000

3 BR * 2 BA * 2600 TSF (899755) * $329,000

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2425 Canyon #110 | 1320 Pearl 24

AT HOME COLORADO

303.449.7000 | BoulderCO.com DAILY CAMERA / TIMES-CALL