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OAKWOOD HOMES

Homes That Fit Your Lifestyle and Location Needs

Quick Guide and Featured Open Homes

Check Your Math — What’s Your House’s Value Today?

How to Create a Calming Home Office

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

Rising market prices are not always indicative of the value of an individual home. Double check your math for a more accurate estimate.

You may be working from home for the first time ever. Creating a comfortable work space is key to productivity.

March 28-29, 2020

Loveland Reporter-Herald – AtHomeColorado.com

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REAL ESTATE

Check your math — what’s your house’s value today?

CONTRIBUTING WRITERS Emma Castleberry JC Reindl Carol O’Meara Cathy Hobbs Neal Templin Diana Crandall Rick Jacquemard Ed Del Grande ADDITIONAL CONTENT Tribune News Service ADVERTISING CONSULTANTS Thais Hafer, Toni McNeill EDITOR/FEATURES COORDINATOR Misty Kaiser

SEND US YOUR NEWS. At Home welcomes news from the local community on real estate/home tips, events, hirings, advancements, awards, community involvement and other information of interest to the Boulder County and Northern Colorado areas. Submitted items should be non-promotional in tone. Visit AtHomeColorado.com/ Submit-Your-News. ADVERTISING INFORMATION: To advertise in At Home or to promote your open house contact Thais Hafer at 303.473.1456, Toni McNeil at 303.684.5329 or visit AtHomeColorado.com/Advertise To submit an open house listing, visit AtHomeColorado.com/ SubmitOpenHouseLoveland.com.

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After adjusting for inﬂation, many housing markets still are below the peaks seen in 2005 or 2006 just before the housing bubble burst. (Dreamstime/TNS)

By Neal Templin Rate.com (TNS) Many homeowners look at rising house prices in their neighborhood and think they’re getting rich quick. They should take a second look. After adjusting for inflation, many housing markets still are below the peaks seen in 2005 or 2006 — just before the housing bubble burst. Just as with other investments, it’s wise to think of home prices in inflation-adjusted numbers, not merely nominal figures, since the gain you realize on property produces dollars that have shrunk due to years of inflation. Even in pricey markets such as San Francisco and Boston, home prices remain below former highs, according to an analysis by Real Estate Decoded. The analysis took the Case Shiller Home Price Indices, which are based on repeat sales of single-family homes in various markets, and adjusted them for inflation since 2000. Notably, Midwest markets’ real (inflation-adjusted) housing prices are still below 2000 levels, according to Real Estate Decoded. In December 2019, Detroit and Cleveland home prices were at 84% and 83%, respectively, of their 2000 prices on a real basis. And Chicago

home prices were only at 94%. Depending on whether you’re a buyer or a seller, that makes the Midwest a bargain or a tough place to unload a house profitably. Of course, hot neighborhoods in any city tend to rise swiftly and show significant gains. But overall, these markets remain depressed. Population loss is part of it. A shrinking city has less overall demand for housing units. “These towns didn’t have a bubble,” said John Wake, the founder of Real Estate Decoded. “But they still had a bust.” It matters because homes are the biggest investment for a majority of Americans. Neighborhood differences aside, those who owned a home in those three Midwest cities, on average, have seen their investment lose value on a real basis over the past two decades. That means many will walk away with less money when they decide to sell that home. They’ll be able to borrow less if they take out a home equity loan or reverse mortgage. And they will leave less money to their children than people in more robust markets. To be sure, some markets have climbed above their prehousing bust levels, in part because their prior peaks were restrained. Dallas has a rapidly growing economy but — unlike California or the Northeast — few constraints on housing supply. The result is that plenty of new housing is being built, which avoids price bubbles. In 2006, at the peak of the national housing bubble, Dallas homes were only 4% higher on an inflation-adjusted basis than in 2000, according to Real Estate Decoded. Real home prices slid after the crash but not as far as other areas. They have been on the march in recent years, and Dallas homes now sell 27% above their 2000 levels. Of course, buying a home is a complex calculation, and home value appreciation is only part

Loveland Reporter-Herald – AtHomeColorado.com

of it. The biggest value many homeowners get is imputed rent — the money they would otherwise have to pay to rent an equivalent dwelling. Homeowners get this benefit regardless of whether their house price goes up or down. “You lock in your monthly housing payment” by buying a house, Wake said. In addition, most homeowners buy their homes with a mortgage. This financial leverage increases the gain of any upward price movement — and the pain of any downward movement. And house prices have still risen in markets like Detroit and Cleveland; they just haven’t gone up as much as inflation. What’s more, because of falling interest costs, many homeowners were able to refinance their mortgages, slicing their monthly payments. Finally, it makes a huge difference when a homeowner gets on the housing merry-goaround. If you bought a house in San Francisco in 2000, you’re up 75% on an inflation-adjusted basis. If you bought it in early 2009, after the housing bubble burst, you’re up even more. That said, too many homeowners take a rosy view of their biggest investment. They forget the property taxes, the cost of maintaining their abodes, the money they’ll pay in brokerage fees when they sell them, and the fact their home value should be rising, merely to keep up with inflation. Indeed, a growing number of well-paid people who would have been homebuyers in an earlier era are renting instead today. Some can’t afford homes in ultra-expensive areas like California’s Bay Area. But others, after witnessing the housing bust, don’t find home ownership a compelling proposition. For more real estate news, go to Rate.com/research/news March 28-29, 2020

LAWN AND GARDEN

It takes a village It takes a village to raise a child. The popular Igbo proverb takes on more meaning today as our entire community is affected by BY CAROL O’MEARA the shuttering Colorado State of schools, University Extension businesses, and stores. Pundits are predicting that we’ll see the ripple effect of this echo through our lives for months, with hunger and need for basic necessities likely to increase. In short, the whole village needs each other. How can gardeners help? Elizabeth Black, member of the Boulder Culinary Gardeners group, sent a thoughtful note out to us all and it’s making its way through social media groups.

“It looks like we may be stuck at home for an extended period of time, possibly even through the summer, due to quarantine measures,” she wrote. “It also looks like many folks will need the services of foodbanks, since they will be out of work for an extended period.” Black called on the skillset gardeners can offer, urging us to rise up to help, and made suggestions on how. Her call to action is grounded in the belief that we can each play to our strengths; gardeners are a good group to do this. We’re a generous bunch, albeit a little weird looking with mismatched clothes and a few leaves stuck in our hair. And as inspirational posts on social media point out, gardening isn’t cancelled. As a bonus, it’s soil amendment time and people aren’t likely to approach to within our 6-foot buffer zone if we’re kicking up a lot of dirt. Black suggested three things for us to do: 1. “Plant a row or bed or extra

patch of something to donate to one of the organizations that supplies folks in need.” Check with your local food banks or pantries for donation days and hours and ask them what fresh produce they’d like most to have donated. Consider giving space to items the food bank needs rather than trying out that exotic plant you’d been thinking of growing. 2. “Grow some extra seedlings for your neighbors to plant, and encourage them to do so.” Offering to place seedlings on a neighbor’s doorstep for them to take is a great way to encourage gardening – but use clean gloves when handling the pots you plan to give away and if you are the recipient. Implement the “ding and dash” of ringing the doorbell to tell them their plants have arrived – seedlings instead of zucchini. 3. “Share your expertise with your friends and acquaintances, so they can feel more in control in these uncertain times. They will develop a new hobby that will keep them fed, entertained, and

feeling powerful in these uncertain times.” If you have an extra tool or hose, clean and disinfect them to offer to the person new to gardening. Our hobby is simple, but also takes items they might not be able to afford. Some gentle humor in explaining the vagaries of Mother Nature in the garden can help keep spirits up in tough time. Encourage people to keep trying if a seedling gets stolen by birds or trampled by little feet. Gardening is a good way to lift spirits and pull together as a community. Colorado State University Extension, together with Boulder County Parks and Open Space, provides unbiased, research-based information about consumer and family issues, horticulture, natural resources, agriculture and 4-H youth development. For more information contact Colorado State University Extension at the Boulder County Fairgrounds, 9595 Nelson Rd., Box B, Longmont, 303.678.6238, e-mail comeara@bouldercounty.org or visit ext.colostate.edu/boulder.

DESIGN RECIPES

How to create a calming home ofﬁce

A desk with chair in a bedroom creates an adequate workspace. (Design Recipes/TNS)

By Cathy Hobbs Tribune News Service (TNS) With so many people working from home, one challenge may be in how to create an adequate and productive work environment, especially if there is more than one working adult in the household. So where do you begin? And how do you create a work environment that is bright, fresh and productive? Here are some of our top Design Recipes tips. March 28-29, 2020

A separate ofﬁce space with a desk facing a window allows an abundance of natural light. (Design Recipes/TNS)

1. Create your home ofﬁce in a room with a window, if possible. Natural light in a number of ways plays a role in creating the ideal work environment. 2. Try to create a separate work room if possible. Depending on your home environment, additional privacy may be needed. 3. Ventilate your space periodically throughout the day.

Fresh air goes a long way in creating a healthy environment. 4. Try to make your home work environment soothing and calm. From textures and textiles to colors that make you feel calm, transform your space into an oasis. 5. Choose a comfortable work chair. While workspaces and desks are important as far as comfort,

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a comfortable work chair should top your list. 6. Try to store documents away from your work surface when possible. Keeping your work area neat and tidy will also help keep the creative juices ﬂowing. 7. Integrate colors you love into your space. Does the color orange make you happy? Does the color blue make you calm and relaxed? Color can often play a role in creating the right mood and tone. 8. Looking for space-saving solutions? Consider creating your workspace in a currently occupied area of your home such as a bedroom or use a slim or convertible piece of furniture such as a table that transforms into a desk. 9. Ditch the guest bedroom. So often guest bedrooms go unused except for a few times a year. Why not turn every room of your home into a productive space? 10. Bring in living elements such as plants and trees. Greenery will help bring life to your space as well as circulate oxygen. AT HOME

ASK ANGIE’S LIST

How can I get my kids more involved in housework? By Diana Crandall, Angie’s List Angie’s List (TNS) As we’re all spending more time at home, we’re adjusting to a new way of life and developing new routines. And if you have kids at home, you may be thinking of ways to create more structure in their days. Involving your family in housework is a way to use this time to teach valuable life skills and encourage teamwork — and to keep your home tidy and organized. Tackle dirty dishes head-on. More meals at home means more dishes to clean. Depending on the age of your children, they may already know how to rinse their plates, place them in the dishwasher and run the cycle. If not, now is a chance to learn. You can also teach your children to clear and wipe down the table and countertops. And, having them help to hand-wash, dry and put away dishes can emphasize the upsides of working together as well. Take chores outside. As we’re heading into spring, make some time for fresh air and move housework outside. Older children can assist with more complex jobs, like mowing the

grade-school children can help to fold clothes and towels and put clean clothes where they belong. If your child is ready, you can teach them about labels and washing instructions, as well as the different settings on the washing machine. Teens can also assist with the ironing.

Spending more time at home, we can teach valuable home skills in the laundry room, the kitchen and the outdoors. (Dreamstime/TNS)

lawn or trimming bushes and hedges. And younger children can help with watering the garden, weeding or repotting plants. You can also teach your kids about how to stay safe while working outside, highlighting the importance of simple things like applying sunscreen and staying hydrated. Organize and donate. If your home could use some decluttering, now’s a good time to involve your kids in the process. Focus on one room, or one area of a room, at a time. Designate separate bags or boxes for items

you can give away, recycle or throw away. Depending on how old your kids are, you can set limits for the number of toys, clothes or other items they can keep. When you’re finished, check whether any local charitable organizations are accepting donations. If there’s nowhere to take them now, stow them away in the garage or storage room until it operations resume in your area. Conquer the laundry room. Stay ahead of overflowing hampers with help from your kids. Toddlers enjoy finding matching socks and sorting colors; and

Teach house cleaning and sanitizing basics. As the situation around the world continues to evolve, many families are having discussions about the importance of handwashing and social distancing. This is also a good time to talk about the importance of house cleaning. Having your children help disinfect frequently touched areas like doorknobs, light switches, and faucet and toilet handles every day will keep them mindful. You can also use this opportunity to teach the basics of house cleaning, like which types of cleansers to use on which surfaces, and the overall importance of tidying up the 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.

ASK A PLUMBER

One option to help handle toilet paper shortages By Ed Del Grande Tribune News Service (TNS) Q: Dear Ed, with recent events, toilet paper seems to be in high demand. You wrote a past column on high-tech bidet-style seats and how they can save on toilet paper usage. I like this concept, but I don’t need all the fancy bells and whistles. Are simple and more affordable personal cleansing toilet seats available? — Brenton, Rhode Island

options like a heated seating area, odor control, warm water washing with oscillating wand, drying cycles and even a remote control for easy use have become popular. So popular that spinoff “basic” cleansing seats are now available at more affordable prices. These simple easier-toinstall manual control seats do provide basic washing, but keep a couple things in mind. First, most will wash with unheated water. Second, washing is usually done with hand-controlled

Spending more time at home, we can teach valuable home A: High-tech electronic skills in the laundry room, the kitchen and the outdoors. (Dreamstime/TNS) toilet seats that feature 4 AT HOME Loveland Reporter-Herald – AtHomeColorado.com

valve operation in place of automatic electronic operation. If you can handle all that, a manual bidet toilet seat can help wipe out your toilet paper anxieties. ——— Master Contractor/ Plumber Ed Del Grande is known internationally as the author of the book “Ed Del Grande’s House Call,” the host of TV and Internet shows, and a LEED green associate. Visit eddelgrande. com or write eadelg@ cs.comt March 28-29, 2020

ASK THE EXPERT

Pre-Inspection Spring Cleaning Most of us will be spending a lot of time at home due to the Covid-19 pandemic. Finding things to occupy our BY RICK time can be JACQUEMARD a challenge. Flatirons Home Giving your Inspections house a good spring cleaning could keep you busy for several days if not weeks. Even though there may still be snow on the ground in some areas, it’s not too early to start thinking about spring cleaning and home maintenance. Most homeowners don’t want to spend the weekend doing yard work, cleaning out storage spaces and reorganizing their closets. However, spring is a good time to evaluate their home and identify potential maintenance issues. There’s nothing better than a home inspection to help identify

minor issues before they become major repairs. The beginning of warmer weather brings with it many chores, some cosmetic like mowing the lawn or pulling weeds and some more practical like cleaning the gutters or the screens on your windows. When it comes to spring cleaning and/ or getting your home ready for an inspection, focus on function over fashion. Be sure that your home systems are working well and ready for the change in season as well as any pending inspection. In addition to inspecting a home’s major systems a typical spring home inspection should include an inspection of the roof to identify curling, shrinking, broken or missing shingles that may lead to costly leaks. This can be done from the ground with binoculars. Visually inspect hose bibs for signs of frost damage, tears and holes in window and door screens, broken or clogged gutters, damaged siding and

cracking or peeling paint and caulking. Rake the lawn to remove any branches, debris and leaves—they can suffocate the grass beneath. Check your decks for warped, loose or splintered boards. The same is true for wood and composite fences, pergolas, trellises and other structures. Spring is also a good time to clean interior areas of the house that are often neglected. Dust or vacuum chair rails, window casings, tops of wallmounted cabinets and ceiling fans. Launder or dry-clean fabric draperies and use a damp cloth to clean blinds. In the kitchen, wash cabinets, backsplashes and walls with warm water and mild detergent. The same is true in the bathroom. While you’re cleaning tile, look for areas of worn or missing grout, as these may lead to more serious water damage if not repaired. Check under the kitchen and bathroom sink to make sure connections on pipes

and hoses are properly sealed and look for any wetness around the dishwasher that could signal an existing or potential problem. The same is true for hot water heaters, which may show sign of corrosion and leaks. Search attics for signs of insects or other critters. Also check attics for mold which often takes the form of gray or black blotches that look like staining. Basements should also be checked for signs of mold, leaks or dampness. If you already see visible mold, testing for mold is usually irrelevant because at this point, you or a mold professional simply need to get rid of the mold following proper mold remediation standards. If only the smell of mold is present but there is none visible, testing for mold is advisable. For more information on home inspections contact Rick Jacquemard, at 720.280.3544, e-mail rick@ﬂatironshi.com or visit ﬂatironshi.com.

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March 28-29, 2020

Loveland Reporter-Herald – AtHomeColorado.com

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COVERPROFILE

Kitchen at The Overlook at Erie Highlands. (Photo: Oakwood Homes).

OAKWOOD HOMES

Homes that ﬁt your lifestyle and location needs By Emma Castleberry for At Home Colorado

akwood Homes knows that all home buyers want a beautiful, functional, wellappointed home, but the company also realizes that location is really the most important factor when making the vital decision of where to live. To accommodate the needs of each and every buyer, Oakwood Homes offers a diverse portfolio of homes in a variety of carefully chosen, easily accessible locations, replete with community amenities. Two of those communities, Erie Highlands and Thompson River Ranch, have homes available right now. Erie Highlands Erie Highlands encompasses what Colorado living is all about: a close-knit, small town neighborhood feel with access to all the metropolitan amenities one could possibly want. The 305acre master-planned community is located southwest of Erie Parkway and Weld County Road 5, a short 6

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The largest home in the Overlook Collection portfolio, the Broadmoor, can have as many as eight bedrooms and six baths spread across nearly 6,000 square feet. (Photo: Oakwood Homes).

walk from downtown Erie’s historic downtown area with its awardwinning recreation center and abundant restaurants, bars and shops. This location is hard to beat, and it comes with the added bonus of remarkable community amenities including a clubhouse, gym, entertaining space and spacious outdoor pool. Easy and quick road access to Denver, Boulder and all of

Northern Colorado ensures that you never have to compromise on your destination, but you don’t have to look very far aﬁeld to ﬁnd incredible outdoor experiences. Erie Highlands features more than 25 miles of trails and plentiful parks and open space connected to the community. Families with schoolaged children need look no further, as Erie Highlands is served by highquality Soaring Heights PK-8 and

Loveland Reporter-Herald – AtHomeColorado.com

Erie High School. Of all the perks at Erie Highlands, one of this community’s most unique qualities is its status as one of the first ever single-family residential developments equipped with fiber optic connections. The Fiber to the Home pilot project is a collaboration among the town of Erie, Comcast and Oakwood Homes. Homes in Erie Highlands will have a direct fiber-optic March 28-29, 2020

connection to the internet, rather than a copper wire that connects homes to a fiber optic hub. Not only will this system provide the homes with faster, more reliable internet connections, but they are also “future-proof”– meaning an invasive rebuilding process won’t be necessary when it’s time for updates. All the convenience, none of the hassle – yet another way Oakwood Homes is striving to improve the resident experience. Overlook Collection at Erie Highlands Oakwood Homes is proud to offer several top-of-the-line, opulent homes in its Overlook Collection in this unique community. The Overlook Collection is a decidedly luxury portfolio of homes, featuring five floor plans between 4,378 and 5,934 square feet. The smallest of the Overlook Collection is the two-story Boulderado plan, with four to seven bedrooms and up to six baths. With a main floor study, a luxury fireplace and formal dining room, the Boulderado is made for those who want personalized comfort and space. The largest home in the Overlook Collection portfolio, the Broadmoor, can have as many

as eight bedrooms and six baths spread across nearly 6,000 square feet. All homes in the Overlook Collection feature the glorious mountain views that are an iconic part of Erie Highlands living. Homes in the Outlook Collection start in the low $600s. There is one home available for quick move-in at Erie Highlands: The Palmer, a ranch ﬂoor plan that is part of Oakwood’s Vista Point Collection. This home is listed for $580,000. For more information, visit oakwoodhomesco.com/ communities/erie-highlands. Thompson River Ranch Another Oakwood Homes community that boasts excellent location is Thompson River Ranch, situated just south of the Promenade Shops at Centerra in Loveland. Nearby access to I-25 ensures commuters and travelers alike can access all that Colorado has to offer easily and quickly. Thompson River Ranch is one of Northern Colorado’s fastestgrowing communities in terms of size. But, as with all Oakwood Homes communities, location is far from the only beneﬁt of becoming a resident here. The amenities at

Thompson River Ranch include a pool and club with no membership fees, a wealth of green spaces, walking trails and a disc golf course. With an additional pool under construction now, Thompson River Ranch will be summer-ready. Also coming soon to the community is Riverview, a Kindergarten through 8th grade school. Two- and three-bedroom homes starting in the low $300s are available at Thompson River Ranch, with plentiful options for personalizing your new home. Buyers can add a finished basement and a three-car garage for large families or plentiful out-of-town visitors. Or, keep it simple with a low-maintenance, modern twostory home. There are a variety of ranch floor plans to choose from, including The Springfield, which won several awards last year at the NOCO HBA Parade of Homes. The Springfield can be customized to have as many as four bedrooms, three baths, and up to 2,700 square feet of beautiful interior living space. Outdoor living space is also a priority for the Oakwood Homes portfolios at Thompson River Ranch. Rooftop decks are available in most plans, allowing residents

to enjoy Colorado’s many days of sunshine and expansive views. Master suites can be built to include balconies, and covered patios allow you to enjoy shady al-fresco dining on hot summer days. Fencing is also included in most home plans. Community is an important part of the lifestyle Thompson River Ranch, and the calendar includes many opportunities to engage with your neighbors. In late summer and early fall, the Thompson River Ranch community will host themed movie events once a month on Fridays. Residents can also look forward to a community barbecue in June with a live bluegrass or country band and plenty of yard games for both kids and adults. For more information, visit oakwoodhomesco.com/ communities/thompson-river-ranch. Oakwood Homes is dedicated to providing choice and value to the Colorado home buyer. Oakwood offers homes for every lifestyle, location and budget, always with an affordable price point to match. For more information on Erie Highlands or Thompson River Ranch visit: oakwoodhomesco.com/ communities/thompson-river-ranch or call 303.486.8915 .

there’s no place like atHome AtHomeColorado.com is home to the Front Range’s most current MLS listings – updated every hour, powered by ColoProperty.com and served up via an easy-to-use search tool. Explore available properties, stay up-to-date on the latest developments and real estate news, get directions to open houses and connect with listing agents instantly from the comfort of your computer and/or mobile device. AtHomeColorado.com is the online resource for bringing people together to buy, sell and learn more about real estate, whether you’re interested in a green Victorian or living on a yellow brick road.

FOR ADVERTISING & SPONSORSHIP OPPORTUNITIES, CONTACT

Thais Hafer hafert@dailycamera.com 303.473.1456 Mary Romano romanom@dailycamera.com 303.473.1450 Melissa Najera najeram@dailycamera.com 303.473.1452 March 28-29, 2020

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DESIGN RECIPES

Quicken Loans may need temporary emergency funding amid coronavirus pandemic

(Dreamstime/TNS)

By JC Reindl Detroit Free Press (TNS) Detroit-based mortgage giant Quicken Loans could be facing a cash crunch in coming weeks and possibly need temporary emergency federal assistance if lots of borrowers stop making payments on their home mortgages during the coronavirus

pandemic, according to a news report. The Wall Street Journal identiﬁed Quicken Loans as one of the major ﬁrms that are bracing for a wave of missed mortgage payments that would require them to quickly come up with billions of dollars that they hadn’t planned on. This liability would pertain to mortgages that Quicken Loans services. Those are mortgages for which Quicken collects the borrower payments, then passes the payments on to investors who own the mortgages. Quicken Loans, which survived the Great Recession and real estate market collapse, greatly expanded its mortgage servicing portfolio in the 2010s yet is still better known for originating mortgages. The company is one of Detroit’s largest employers and the biggest

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revenue-generator in the business empire of its founder Dan Gilbert. Mortgage servicers typically must advance the planned mortgage payments to the investors — regardless of whether borrowers make the actual payments that are due. The servicers are also responsible for payments when borrowers are granted a forbearance, or temporary suspension of their mortgage payments. Even though mortgage servicers are eventually reimbursed for those advanced payments by entities such as Fannie Mae or Freddie Mac that guarantee mortgages, there is a timing mismatch, which can result in a cash crunch. The Mortgage Bankers Association, an industry group, this week warned the Treasury Department and the Federal Reserve that, under one theoretical scenario, should onequarter of mortgage borrowers stop making payments or enter forbearance for six months or more, mortgage servicing ﬁrms could be on the hook for $75 billion to $100 billion or more. “In normal and even stressed environments, such as a localized natural disaster, servicers can withstand this liquidity pressure,” Robert Broeksmit, the association’s chief executive, wrote in a letter this week to Treasure Secretary Steven Mnuchin and Federal Reserve Chairman Jerome Powell. “Widespread, national borrower forbearance at the levels being proposed in response to the COVID-19 outbreak, however, extends well beyond any servicer advance obligations previously envisioned, and is beyond the capacity of the private sector alone to support.” A Quicken Loans spokesman on Tuesday would not comment on whether the company is facing any potential cash crunch because of mortgage servicing. Quicken was among the ﬁrst large companies in Detroit to have employees work from home in hopes of slowing the spread of the

Loveland Reporter-Herald – AtHomeColorado.com

coronavirus. “What I can tell you is that Quicken Loans continues to have record-breaking mortgage origination days and weeks,” Aaron Emerson, senior vice president of communications, said in an email. “This is occurring while more than 98% of our team members work from home.” Liquidity facility The mortgage bankers association is recommending that the Federal Reserve set up a temporary lending program for mortgage services to keep them solvent during the coronavirus crisis. The program — known as a “liquidity facility” — should be set up before mortgage servicing companies are in a state of emergency, the association says. The association’s letter described general conditions for mortgage servicers and didn’t name specific firms. “Virtually no servicer, regardless of its business model or size, will be able to make sustained advances during a largescale pandemic when a significant portion of borrowers could cease making their payments for an extended period of time,” Broeksmit wrote. Last week, governmentbacked mortgage enterprises Fannie Mae and Freddie Mac announced they would suspend foreclosures and evictions for 60 days for borrowers impacted by the coronavirus crisis. Many of Quicken Loans’ mortgages are guaranteed by Fannie and Freddie and other government-backed enterprises. Quicken pools the mortgages that it originates and bundles them into securities, which it then sells into the secondary market. A representative for Pontiacbased United Shore, another major mortgage firm in metro Detroit that also services mortgages, could not be reached for comment. March 28-29, 2020

REAL ESTATE TRANSACTIONS The Following Loveland-Area Home Sales Were Supplied By Colorado Weekly Homebuyers List Inc., 303-744-2020. Listed Are The Buyer, The Property Address, The Seller And The Amount. Berthoud UÊ Andrew Larkins -- 1614 S County Road E 27, Marilee Test, $100,000. UÊ Sean Babbs -- 741 Country Road Trail, Colby and Abby Ratzlaff, $295,000. UÊ John and Elisa Balbuena -- 1131 Jefferson Drive, Joshua and Kaitlin Palubicki, $415,000. UÊ Anya Luna -- 686 Ranchhand Drive, Richﬁeld Homes LLC, $440,000. UÊ William and Arla Harris -- 306 Bronco Court, Artesia Lot Holdings LLC, $490,000. UÊ Ricky Barnes -- 2983 Urban Place, Sanjaya Homes LLC, $575,000. UÊ Erin and Oscar Solis -- 4900 Beverly Drive, Tyhelie and Christina Kerns, $590,000. UÊ Bradley and Sara Kramer -18442 County Road 3, Gregory and Merri Kramer, $630,000. UÊ Grant and Tiffany Drennan -4113 W County Road 4, Curtis D Babb, $759,900. UÊ Song Jin -- 2303 Stonebrae Court, Ridgeway Custom Homes LLC, $1,185,400. Estes Park UÊ Kermit and Judith Allard -- 2650 Grey Fox Drive, Barlow Inc, $130,000. UÊ Pamela and Joel Junker -- 408 Overlook Court, Charles and Loredana Gibson, $625,000. UÊ Nagendra Natarajan -- 698 Moreau Lane, Michael and Nancy Larned, $650,000. Fort Collins UÊ Andrew Hoffman -- 905 E Swallow Road Apt 2, Daniel S Banister, $200,000. UÊ Janet and William Miller -- 1225 W Prospect Road Apt T62, James J Archuleta, $205,000. UÊ Morgan Wetzel -- 1706 Palm Drive Apt 1, Edenwood Enterprises LLC, $250,900. UÊ Chad Eitel -- 3002 W Elizabeth St. Unit 7G, Nancy and George Umbreit, $258,000. UÊ Ronald and Diane Sutton -- 421 S Howes St. Apt 401, Darrel E March 28-29, 2020

Engels Elnora Engel, $280,000. UÊ Alaric Knaus -- 2133 Krisron Road Unit D-104, Hugh Knaus, $280,000. UÊ Cassiopeia Camara -- 1600 Remington St., Charles and Carol Miller, $296,700. UÊ Olivia Cox -- 409 10Th St., Emily Frare, $297,500. UÊ Daniel Banister -- 3230 Laredo Lane, Andrea and Shane Simper, $310,000. UÊ Eric Christensen -- 3450 Lost Lake Place Unit J2, James Gjerde, $315,000. UÊ Charles Emerson -- 6569 Finch Court, Miriam Carrasquelnagy, $330,000. UÊ John Schroeder -- 1928 Ravenview Road, Ddm Invest LLC, $332,000. UÊ Alok Jha -- 3001 Southmoor Court, John and Dawn Davis, $340,000. UÊ Jessie Creamean -- 3100 Kittery Court, Alexandra Ruiz, $340,000. UÊ Andrew and Shanna Troncoso -- 3136 Sharps St., Brian J Mckenrick, $342,200. UÊ Ivory Grifﬁn -- 2556 Des Moines Drive Unit 103, Zhirong Dai, $349,000. UÊ Alexandra and Thomas Ruiz -- 239 N Grant Ave., Erin Louise Muths Trust, $350,000. UÊ Christine Ahrensgreene -- 1532 Wicklow Lane, Scott and Audrey Laberge, $350,000. UÊ Torrey Gray -- 210 Tigercat Way, Calatlantic Group Inc, $354,000. UÊ David Henricks -- 401 Briarwood Road, Gregg K Highbloom, $355,000. UÊ Adriann Munanajones -- 216 Zeppelin Way, Calatlantic Group Inc, $357,000. UÊ Glenna Colton -- 2603 Thunderstreak Lane Unit 2, Hartford Homes Mosaic LLC, $359,500. UÊ Jonathan and Carrie Care -3130 Cockney St., Shawn and Stephanie Spencer, $365,000. UÊ Leslie and Richard Wilda -1936 Angelo Drive, Katelen J Croner, $368,000. UÊ Michele Mccarty -- 1202 Dewey Drive, Jeffrey K Ternasky, $369,500. UÊ Alexander Kowaleski -- 2006 Derby Court, Jason and Natalie Dunn, $371,500. UÊ Matthew Snyder -- 4540 Larkbunting Drive Apt 13B, Daniel and Starla Greenﬁeld, $375,000. UÊ Nathan Will -- 2101 Suffolk St., Randall and Tatiana Moon, $375,000. UÊ Andrew Oates -- 3409 Wagon

Trail Road, Robert and Peggy Grabbe, $382,000. UÊ Tara and William Cleary -- 220 Zeppelin Way, Calatlantic Group Inc, $383,000. UÊ Nancy and Bruce Abrams -1919 Leicester Way, Neil and Paulette Johnson, $385,000. UÊ Mark and Margaret Mueller -- 2213 Vassar Ave., Kathleen M Miller, $386,000. UÊ Nancy and Gerald Beauprez -- 2235 Trestle Road, Robert L Whitﬁeld, $390,000. UÊ Alanna Snedigar -- 512 Concise Drive, Jeremy P Morris, $390,000. UÊ Ronald and Sibel Russo -- 2012 Skye Court, Cynthia A Tamburri, $395,000. UÊ Nicholas and Bailey Wright -- 3212 Sam Houston Circle, Chelsey Anna Peacock, $400,000. UÊ Mary Spano -- 3319 Green Lake Drive Unit 1, Trailhead Homes LLC, $404,800. UÊ Frederick and R Kellers -- 1123 Red Oak Court, Alberto and Christine Arguello, $418,500. UÊ Christine and Daryl Mattoon -- 2221 Friar Tuck Court, Samuel and Rosemary Bechara, $427,000. UÊ Bryan and Sierra Gillard -- 1302 Basseterre Place, Richard and Kristin Koza, $430,000. UÊ Joseph and Kelly Forster -- 4313 Kingsbury Drive, Richard and Jennifer Gray, $432,000. UÊ Stephen and April Rickey -- 4456 Fox Grove Drive, Lc Home Fox Grove LLC, $445,000. UÊ John Williamson -- 6109 Claire Court, Andrew and Emily Grabau, $450,000. UÊ Melissa King -- 111 Sylvan Court, John J Ryan, $460,000. UÊ Joanna and Justin Fetherolf -215 Egyptian Court, Brett and Lany Sandford, $465,000. UÊ Adriann Munanajones -- 2944 Reliant St., Calatlantic Group Inc, $472,500. UÊ John Wasson -- 862 Campﬁre Drive, Todd and Emily Zuber, $477,500. UÊ Brian Mckenrick -- 736 Stoddard Drive, Karen Korch, $479,000. UÊ Brody Fuchs -- 1313 Alford St., Robert and Barbara Sweat, $492,000. UÊ Corey and Angela Rhodes -1514 Windcreek Court, Milinda Gaye Montgomery, $495,000. UÊ Bradley and Aileen Weed -- 2026 Blue Yonder Drive, Jill A Summit, $500,000.

Loveland Reporter-Herald – AtHomeColorado.com

UÊ Joonbum Bae -- 4744 Prairie Vista Drive, Mary Elson Carlson Trust, $515,500. UÊ Karl Musgrave -- 1023 Sabatino Lane, Gary and Julie Ransdell, $519,500. UÊ Paul and Heather Chase -- 703 Heather Glen Lane, Christopher and Provost, $525,000. UÊ Susan Lefebvre -- 1511 Lakeside Ave., Caroline Amplatz LLC, $530,000. UÊ Jason and Natalie Dunn -- 4826 Corsica Drive, New Expression Homes LLC, $550,000. UÊ Aaron and Ana Yoshitake -- 312 E Stuart St., David M Shoup Christy Shoup, $560,000. UÊ Isheeka Edwards -- 3614 Voyager Lane, Carl and Charlene Rayas, $575,000. UÊ Sydney Bianchi -- 1215 Nassau Way, Daniel W Marcy, $589,900. UÊ Alan and Fiona Jurysta -- 3315 Muskrat Creek Drive, Scott and Gina Anderson, $705,000. UÊ Jason and Kelly Mayer -- 1301 Rollingwood Lane, Cassandra A Torres, $825,000. UÊ Patrick and Erin Meyer -- 5609 Bighorn Xing, Ada Luz Naumburg, $853,600. UÊ Paul and Rebecca Leoni -- 1712 Cottonwood Pt. Drive, Dennis Patrick Brant, $900,000. UÊ Geoffrey and Carolyn Haddad -404 S Washington Ave., Charles and Kristin Owsley, $1,012,500. UÊ James and Lisa Clay -- 7092 N County Road 15, David and Cynth Eckhardt, $1,395,000. Greeley UÊ Geoffrey Grenzke -- 2511 49Th Ave. Unit 2, Buffalo Ventures LLC, $219,000. UÊ James and Vickie Worthen -- 6915 W 3Rd St. Unit 224, John and Cheryl Cummings, $247,000. UÊ Mark Lauck -- 2512 13Th Ave., Front Range Devl LLC, $255,000. UÊ Chantel Derochie -- 3210 W 12Th St. Road, Shirley J Kelso, $255,000. UÊ Luis Olivas -- 1021 E 24Th St. Lane, Francisco and Alma Parra, $269,000. UÊ Alex Pickles -- 1015 5Th St., Troy Walker, $280,000. UÊ Luz Aguirre -- 319 26Th Ave., 319 26Th Trust, $285,000. UÊ Christopher Hammon -- 1408 27Th Ave., Conn and Brianna Gren, $285,000. UÊ Amy Fiedler -- 7075 19Th St. Apt 5, Kane A Larson, $290,000. AT HOME

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Real Estate place yoUr ad:

Real Estate

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

1558 Deanna-2BR 4-Plex Apt: No Pets. Refs, $800/month, heat & water paid. 1 Year Lease. 970-222-1566. 1BR Apt in Loveland: Garage w/ Opener, W/D, DW, No Smoking, No Pets. $900 /month, heat, water & trash Incl. 970-231-2566 or 970-237-9067. No Fri Evening or Sat Calls.

Foothills Apartments in Loveland: 2BR 1BA- $1050/month, water, sewer & trash included, Washer & Dryer in Unit. No Pets. 1 Year Lease. 970-669-7850

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

2127 Illinois Ct: 3BR 2BA 2-car gar, W/D hook up, shed. No Pets/Smoking. $1500/mo + $1500 dep. 970-667-3353.

2BR Trailer-Downtown Newly Remodeled 5th Longmont: Spacious Living Room & Kitchen; Wheel Camper on 10 Acres near 65th & Bath w/ Laundry, Fenced Yard. Lot Rent Nelson, SW Longmont: 10ftx10ft Addition, Avail $735/mo. $22K, FSBO. Mar 12. $1000/month + Call 303-823-2416 deposit. 303-776-5957

Water Mineral Want to purchase minerals and other oil/gas interests. Send details to: P.O. Box 13557, Denver, CO 80201

Furnished Bedroom & Bath, Shared Living Space, Kitchen, Laundry & Dining Area. Rent includes Wifi & Utls. N/S/D. $650/mo. + $650 dep. 970-217-0559

EMPTY YOUR GARAGE

Classified ads get fast results!

Have a Garage Sale this week. Call 303-466-3636, 970-635-3650, 719-275-5300 or 888-355-0935

March 28-29, 2020

Here in Colorado, we like our trails long our mountains high and our news from a Colorado journalist. Thank you for reading and supporting your local newspaper!

Loveland Reporter-Herald â€“ AtHomeColorado.com

AT HOME

Open House Saturday & Sunday 12-3pm ED

EDuC

ER PRiC

39958 H lltop C rcle, Severance $307,000 • MLS# 907540 5 Beds • 5 Baths • 3 Car Garage

Open House Saturday & Sunday 12-3pm

Luxury home with spectacular 360-degree views. Private in-law quarters, walk-out basement, gourmet kitchen, main floor master suite with retreat, spacious laundry/ mud room, gym and so much more. Lucas Ray 970-815-6618 lray@c3-re.com

Jacquejoy Littlefield 512-636-2373 jacquejoy@c3-re.com Open House Saturday 12-3pm

5080 Sherman Dr, Bertho d $1,050,000 • MLS# 907033 5 Beds • 5 Baths • 3 Car Garage • 3 Acres

Low maintenance patio home in desirable Loveland Colorado. Community Park and near shopping, dining and recreation. Vaulted ceilings, hardwood floors, central AC and much more.

Steve Baumgaertner 970-988-8725 sbaumgaertner@c3-re.com Featured Property

Luxury property minutes to the new TPC course, lakes, trails, shopping, dining & parks. Main floor master, laundry & guest bed. 2 additional beds up. Finished Walk-out basement w/ theatre & wet bar + so much more. Christine Allard 970-685-0538 callard@c3-re.com Featured Property

Featured Property

Colorado Retreat on the W side of Horsetooth Reservoir. Remodeled gourmet kitchen & 5-piece master bath w/ many new features and upgrades throughout. AC, Fireplace, walk-out finished basement & more. John Simmons 970-481-1250 jsimmons@c3-re.com

Jesse Laner 970-672-7212 jlaner@c3-re.com

www.MyColoHome.com 12

AT HOME

2830 Center R dge, Bertho d $1,099,000 • MLS# 904865 5 Beds • 5 Baths • 3 Car Garage • 3.2 Acres 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.

John Simmons 970-481-1250 jsimmons@c3-re.com 3436 Cont nental C r, Fort Coll ns $849,000 • MLS# 905041 4 Beds • 3 Baths • 3 Car Garage

414 Rad ant Dr, Loveland $315,000 • MLS# 906318 3 Beds • 2 Baths • 2 Car Garage

Jesse Laner 970-672-7212 jlaner@c3-re.com 87 Jasper Lake Rd, Loveland $1,990,000 • MLS# 900713 5 Beds • 5 Baths • 6 Car Garage Full custom home w/ high end finishes. Private gate, lake & island w/ 800 feet of Big Thompson River front & 1 share of water on 53 acres. RV/Boat parking, asphalt drive + an attached luxury 6 car garage w/ over 2200 sq. ft.

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

Jesse Laner 970-672-7212 jlaner@c3-re.com

970.225.5152 • C3 Real Estate Sol t on, LLC.

Loveland Reporter-Herald – AtHomeColorado.com

March 28-29, 2020