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Boulder CO homes and property listings online 24/7 with local Realtor at http://www.ColoradoLandmark.com

Landmark Advantage Transitional HELOC Program

Ready to buy but need time to sell? Move on your terms with a Transitional HELOC.

When you work with Colorado Landmark Realtors, you get access to the Transitional Home Equity Line of Credit (HELOC) program from Elevations Credit Union, the No. 1 credit union mortgage lender in Colorado.


Access your home equity without rushing to sell.

With this customized short-term loan that’s similar to a Bridge Loan, you get access to the equity in your current home so you can make an offer on your next home — without rushing to sell. After your home is sold, the proceeds are applied to pay off your Transitional HELOC.


A Transitional HELOC is a flexible solution.

While Elevations tailors each loan to the buyer’s needs and best interest, consider a Transitional HELOC if:

 

  • Your money is tied up in the equity of your current home.
    Fund the down payment or mortgage payments for your next home with a Transitional HELOC — a great option in Colorado where properties are in high demand.

 

  • You need to renovate your current home.
    Move out before your home becomes a construction zone so you can boost your home’s value and get ready to sell.

 


*Offers of credit are subject to credit approval. Available equity is dependent upon the difference between your current home value and your current mortgage balance(s) to include all loans that are secured by your current home.


 

September is National Preparedness Month!

from Organization & Relocation

Amidst the fires in Colorado and California that are threatening so many homes, businesses and the health of thousands, disaster preparedness is top of mind for many, including the team at Organization & Relocation.

The American Red Cross recommends developing a family disaster plan and having an emergency kit – do you feel ready to act quickly if a disaster strikes? Get prepared with tools and resources from the American Red Cross below.


PREPARE FOR FALL 🍂

Cool mornings, the smell of pumpkin spice and a sparkling clean home! Rounding up our top tips for Fall cleaning this season!

1. Store, Sort & Categorize

 

Before you begin the overhaul, determine where you will be storing your summer clothes. Make piles for keep, discard, and donate. Get rid of unwanted clothes or clothes that do not fit – if you don’t like them now, you probably won’t next Summer either!

 

2. Comb Through That Closet

 

Has work from home life changed your day to day wardrobe? Take inventory of your current “work” clothes and if that pant suit ship has sailed, place it in the donation pile! As you hang those Fall sweaters, ask yourself it that sweater brings you joy! No? Time to go!

 

3. Furnace Inspection 

Hire an HVAC professional to check heating efficiency, test for leaks and change the filter. Also, check for drafts by using a lighted candle around doors and windows and if you see a flicker, inspect for broken or cracked seals.

 

4. Organize the Shed

 

As summer items begin to fill up shed space, now is a good time to sort, purge and organize remaining items. Move summer items to the back and winter items to the front for easy access.

 

5. Set Your Kids Up For Success

   

Homeschooling doesn’t have to be a hectic experience if you’re organized! Label and organize your child’s homeschooling area – for better learning and your own peace of mind!

 


A few of our favorite organizing tools

Plastic Storage Bin with Handles
$5.99

Multi-Purpose Bins
$3.99

Large Cabinet Shelf
$7.99

Expand-A-Shelf
$9.99


 

The Saul Team, Featured in Real Producers Magazine

Check out this fantastic article about the background and passion for real estate of Lynn Saul, Jordan Saul-Peterson and Kaylyn Thueson of The Saul Team out of CLR Louisville, by Ashley Sowell of Real Producers Magazine.

These women are doing some incredible things and have beautiful families and stories to share. Read the full magazine and article starting on page 12 here.


Enjoy A Night of Cultural Celebration!

Organized by Niwot High School Freshman, Oliver Fowler, Bringing Cultures Together with One Meal aims to highlight the diversity of our community through two universal languages – food and music!

The Niwot Tavern, NAACP Legal Defense Fund, and Boulder Symphony worked in harmony to bring you a Take Out Family Dinner featuring dishes from around the world to enjoy with family and friends. Let’s celebrate the diverse heritages of our community!

 

We have orchestrated this fabulous menu for you to savor:

 

North American Fare
Cucumber tomato salad with a fresh herb dressing

Latin American Fare
Platanos maduros fritos – fried sweet plantain slices

African Fare
Ghanaian waakye topped with a chicken and vegetable tomato based stew. (veggies include carrots, red peppers, onions and zucchini)

Asian Fare
Japanese cheesecake – rich and creamy taste, light and fluffy texture.

 

Grab your tickets here: https://www.eventbrite.com/e/bringing-cultures-together-with-one-meal-tickets-115229259818

 

Professional Organizers Share Tips for Your Home

Adapt Around Your Home
During Covid-19

With fall around the corner, homeschooling impending and many companies navigating towards a work from home policy, our team of expert organizers at Organization & Relocation weighed in on how you can optimize your space for spending more time in your home.


WORKING FROM HOME?

Tune in to these tips to make your #WFHlife more functional

1. Prioritize Location

You’ll likely spend many hours in your home office, so don’t stiff yourself on space (e.g. squishing a tiny desk into a windowless closet to preserve the rarely-used guest room).

2. Invest in a Great Chair 

You spend hours parked in your office chair; a beautiful, ergonomically correct, comfortable seat is worth every dime.

 

3. Organize Vertically & Horizontally

Hang floating shelves on the walls to get papers and office equipment off the desk, and use vertical file folders on the desk to keep important papers within arm’s reach.

 

4. Get Your Technology Together

Hide unsightly cords. Encase cords on the desk in a fabric cord cover, feed the cords into a desk grommet, or buy a cute cord manager!

 

5. Use Separators

Don’t get caught on a call with a need for a sticky note and you can’t find it because it’s buried in your drawer. Use separators to create nice compartments for your things.

 

6. Tidy Up

Just like making your bed every morning, close up shop at the end of each day by tidying up your desk when you’re finished with work. This is your “reset” to set yourself up for success the next morning!

 


 

To Refinance or Not, That is the Question…

by Aaron Staufer

Elevations Credit Union

NMLS: 501268 | LMB: 717246

 

     No doubt you’ve been seeing commercials on TV or hearing radio spots advertising rates that seemingly can’t exist and you’re wise to be a bit skeptical. At the end of the commercial you’ll undoubtedly see a screen of text in .2 font that can hardly be read. So how do you know when it makes sense to refinance and what should you look out for? I’m taking a bit of time to hit the high points…

 

     One of the first things I ask a member when we start the refinance conversation is, “how long do you plan on being in the property for?” and the second question I ask is, “what do you intend to do with the property once you move out?”

Refinances always have closing costs, sometimes they are rolled into the loan amount and sometimes they are wrapped into a higher rate, but rest assured they always exist. If somebody is only going to be in the house for a year or two and they are planning on selling after that time, refinances rarely make sense. The longer that you have the loan, the longer you’ll benefit from reducing the rate or term. So if you’re thinking about moving soon and you don’t have interest in being a landlord then you’ll want to think long and hard before paying the costs associated with a refinance.

 

     Another important variable is to consider how much you owe. Closing costs on a refinance are fairly static. The difference in closing costs for a $100,000 mortgage and a $500,000 mortgage are typically only a couple hundred dollars. But somebody with a $100,000 mortgage is going to save 1/5th the amount of somebody with a $500,000 mortgage. Since the costs are almost identical in both scenarios the larger mortgage is going break even with costs in far less time. If you don’t owe a lot expect your break even point to be quite a bit higher. Owing less money is a great problem to have but it can pose a problem when it comes to refinancing.

 

     Make sure when you’re hearing about refinances that you keep an eye on a few things.

 

1) The term of the loan. I see commercials all the time and my poor wife has to listen to me rant and rave every time one comes on TV because you’ll hear them advertising, “2.5% with no points!” but if you read the fine print you’ll see the rate that’s being advertised is for a 15 year mortgage. It’s not that 15 year mortgages are bad (I love 15 year mortgages) but if your goal is to reduce your payment there’s a good chance that loan will not accomplish your objective.

 

2) The costs associated with the rate that’s being offered. Points are a bit confusing but in short 1 point (also known as discount points) is 1% of your loan amount. Points are the cost (or credit) associated with the rate that’s being advertised. You can pay higher costs (points) and obtain a lower rate. It’s extremely common for lenders to advertise rates with points being paid. Keep an eye on the costs associated with the refinance and as your lender for a “no point option” for comparison sake. A loan officers’ job is to present options, not to decide for you.

 

3) The program they are advertising. Another common ploy lenders will use is they will advertise programs that are seldom used because they have a lower interest rate. The next time you see one of those commercials on TV see if the letters “FHA” show up anywhere. If so, the program that’s being advertised is a Government loan that has a multitude of potential down sides. Just as 15 year mortgages aren’t bad nor are FHA loans. They have their place in the world and can be quite helpful for the right situation. But if you have good credit or 20% or more equity in your house then FHA is not a program we’d typically explore. It has higher costs both up front (known as up front mortgage insurance) as well as on a monthly basis (monthly mortgage insurance). While they may come with a lower rate the potentially higher upfront and monthly costs usually outweigh the benefit.

 

     If you’re going to have the loan for an extended period of time and you can recoup the costs associated in short order (I usually hope for 18 months or less though it does depend case by case) then a refinance may very well make sense. Keep an eye out for misleading advertising and make sure you’re working with a  reputable lender.

 

Ask for a Loan Estimate or Closing Cost Worksheet to ensure you’re getting a full break down of the costs associated and make sure to read the fine print!

 

Fresh Ideas to Help Finish the Summer Strong!

It’s already almost August! This summer has been one full of finding new ways to stay active and keeping the family entertained. Here is a list of some great end of summer activities and fun for everyone to enjoy, while also staying safe and 6 feet apart of course!

 


Virtual classes and entertainment have never been so important and exciting! From concerts and festivals to art gallery tours and Yoga you can almost do it all still, from the safety of your home!

Virtual Bands on the Bricks – Wednesdays, July 15th – August 5th, 2020 from 7-8 pm. Boulder County’s premier outdoor summer concert series has gone online! Nothing brings a community together like music and dance and this summer, nothing is going to stop us! While we can’t all be together in person…you can still bring the music right into your home!  Downtown Boulder proudly presents Bands Above the Bricks – coming to you virtually from high above the Pearl Street Mall.

Amana Yoga – Online Yoga Classes. Sign-up for a 7 day free trial and 50% off a monthly subscription by using code AMANA50. Learn more here.

Boulder Arts Online – The City of Boulder’s Office of Arts and Culture has compiled a variety of workshops, exhibits and activities available virtually here.

Food Lab –  Offering virtual summer camps!

Frasca Food & Wine Dinner Kit –  “At Home With” Dinner Kit and Virtual Guide. Bringing the restaurants of Frasca Hospitality Group into your home. Each week features a dinner kit complete with prepared ingredients and a bottle of hand selected wine. View a step by step recipe guide from the included video guide.

 


Golfing is a great way to avoid crowds and get some fresh air, it’s also a great way keep a safe distance from friends, while still enjoying their company! Here is a list of local, public golf courses to check out.

Flatirons Golf Course – If you are not sick, symptom free and feel safe to golf, please enjoy a round at Flatirons. The course will remain open when everyone adheres to all the safety and physical distancing requirements.          View re-opening rules and procedures here.

Foothills Golf Course & Meadows Golf Club – Open and has adapted aggressive policies to address health and safety for golf operations based on State and County public health orders. Before arriving for your tee time, please review the new policies here.

Indian Peaks Golf Course – Opened with strict guidelines in place to keep the health and safety of staff and guests as the top priority. Golf Club staff will be strictly enforcing the safety guidelines and anyone that cannot respect them will be asked to leave. Carefully review guidelines here.

Haystack Mountain Golf Course – Feeling cooped up but want to avoid gatherings? Relax and breathe easy, The Haystack Mountain course is open and committed to taking all necessary precautions the ensure the health and well-being of golfers and staff. Please review guidelines here.

Coal Creek Golf Course – Open for play and operating under a COVID-19 reopening policy. Social distancing is required and will be enforced, please review and follow the published rules and regulations here.

Sunset Golf Course – Open and accepting tee time reservations through the website. Please review and understand guidelines carefully before arriving here.

Twin Peaks Golf Course – Tee times are now available from 6am – 6pm. Boulder County Public Health guidelines are in place and must be followed by patrons of the City of Longmont Golf Courses, and will be enforced by staff. Clubhouses will not be open. Review guidelines before arrival here.

 


Take the family out for some sun and a splash! Tubing, paddle boarding and kayaking are all awesome ways to get outside to play, and stay safely apart!

Whitewater Tubing & Recreation – Now taking reservations! Experience tubing, rafting, paddle boarding, kayaks and canoes. Rentals, sales and instruction available. Have fun safely on the water, every piece of equipment is sanitized in between every use with bleach and soap. Employees have face protection, are washing their hands frequently and using hand sanitizer. Drive through only for check in to minimize any contact and encouraging social distancing. Also, all employee temperatures are checked before the start of every shift. Enjoy the great outdoors this summer safely!

Boulder Reservoir – 700 acres of wowing Flatiron views. Rent stand-up paddle boards on site from either the Rocky Mountain Paddleboard tent (set up in the morning and afternoon on the shore at Hobbie Haven, right by the crew boats, until mid-October) or from the reservoir boathouse.

The Rivers Path Guided Canoe Trips – Profound canoe experiences… at nature’s pace. Experience the magic of a hidden gem on the Front Range for a day trip! Following all COVID-19 protocols which can be found from the main website.

Wilderness Rides & Guides – Open, ready for business and are available for calls, questions and reservations for summer 2020! Enjoy backpacking and multi-day hiking, mountain biking and bike tours as well as fly fishing and rock climbing. You can even zip line and whitewater raft! View company COVID-19 updates and guidelines here.


Don’t leave your furry friends out on all the action! Dog parks and walking trails are also a great way to social distance while exercising and spending some time with your best friend! Please review Dog Park Rules & Etiquette here.

East Boulder Dog Park – 5660 Sioux Dr. Fenced area for both large and small dogs. There is a concrete barrier in the lake that some dogs are able to climb   – Large area is about 1.5 acres.
-Small area is about .45 acres.
-There is limited water access to a small lake.
NOTE: Be careful as water quality can vary. Pick up and remove pet excrement to assist with water quality issues. Algae bloom information.

Foothills Dog Park – 800 Cherry Ave. Two acre fenced park with a separate areas for both small and large dogs.                                                                  – Large area is about 1.6 acres
– Small area is about .5 acres

Howard Heuston Off-leash Dog Area – 34th & Iris, then south to O’Neal Parkway. Please note this as an ‘off-leash dog area’ and has different rules than a ‘dog park’.Please visit the Howard Heuston webpage for a summary of the rules.
– Voice and Sight Control area is designated north of the partial fence only.
– The remainder of the park is leash law.
– The size of the Voice and Sight area is about 1.25 acres.

Valmont Dog Park – approx 5300 Valmont
Fenced area for both large and small dogs.                                                       – Large area is about 3 acres.
– Small area is about .25 acres.
– It is a dog park at Valmont City Park .
– A water spigot is available seasonally.

Tail-Wag-Worthy Trails can be found below! Check out Boulder’s color-coded dog regulation map here, that tells you the exact rules for each trail in Boulder. Be a good human and always clean up after your pet! Always be cautious of algae blooms!

Wonderland Lake Trailhead in North Boulder is a nice, leisurely jaunt around a gorgeous glassy lake with Flatiron views in the distance.

South Mesa Trailhead has a network of pleasant trails crossing the South Boulder Creek. Avoid Towhee Trail however, which is closed to dogs.

Chautauqua Trailhead is a popular choice for bikers with their dogs, a variety of trails will put you up close to the Flatirons.


Be safe and have fun out there!

America’s Best for Colorado – CLR Winners!

A HUGE congratulations is in order for our agents who are listed on the 2020 Real Trends “America’s Best” for Colorado!

 

Marybeth Emerson – #29 Individual Sales Volume & Number 1 in Boulder!

 

Kim Thompson Group – #27 Small Team Sales Volume & Number 4 in Boulder!

 

 

The DRF Team – #79 Small Team Sales Volume & Number 8 in Boulder!

 

A big round of applause for these women and their hard working teams!

 

Check out the full list of winners here!

 

Celebrate Our Great Nation – Local Fireworks Update

Photo credit: KOAA.com

It’s almost the 4th of July in Colorado and, of course, things are going to be looking pretty different for us this year!

We have adapted to so many changes over the past few months and have learned a great deal of new ways to stay connected, and continue to enjoy some of our favorite moments and holidays.

 

There will still be fireworks shows and parades held, but most will be virtual and not in person events. Here is a list of cities that are trying new approaches for 4th of July Celebrations! Due to COVID-19 and fire dangers, all events are subject to change.

Photo credit: Pinterest.com

 

Erie’s  Parks and Recreation Department is offering “Porch Party Kits” with crafts and games to celebrate the Fourth of July without fireworks. They are available through the city’s website.

 

Longmont’s  plans are up in the air, though the city may still hold it’s fireworks celebration on July 4th at 9:30 pm Text LOCO4TH to 888777 or check the city website  for more information.

 

Brighton  canceled its celebration in the park, but there will still be fireworks beginning at dusk on the Fourth of July. The display from eastern Brighton will be broadcast on channels 8 and 881, as well as on the city’s facebook page.

 

Berthoud  will still hold its fireworks display on July 3, starting around 9:15 pm. The fire department will set off fireworks from Waggener Farms, though gatherings are prohibited on the property. They also will set them off higher in the sky, so they can be seen from a greater distance and home viewing.

 

Loveland  is collaborating with Fort Collins and Larimer County for its first drive-in fireworks display at The Ranch Events Complex. The gates open at 7:30 pm for cars to enter and fill the parking lots. Participants must remain in or near their cars. Fireworks will start at about 9:15 pm, and viewers can tune in to 96.1 KISS-FM for music to accompany the show.

 

Windsor  fireworks start at 9:10 pm. Instead of Boardwalk Park, this year’s fireworks display will be launched between the Poudre River Trail to the north and New Liberty Rd. to the south and between 7th St. to the east and Colorado Blvd. to the west. This location is considered to be the highest point in town. For those who won’t be able to see it from their home, residents are asked to disperse into open spaces, along sidewalks and on bike paths, observing physical distancing guidelines. On-site viewing will not  be available.

 

Firestone  fireworks are moving back to Saddleback Golf Course and will be shot-off just north of the 15th hole around 9:30 pm, visible from Miner’s Park. The Town of Firestone will have parking available for an excellent view of the show at the property that surrounds Town Hall. Food Trucks will be available in the Town Hall parking lot. All participating Food Vendors will have online ordering options for your health and safety. Information on participating Food Trucks will be available the week prior to the event on the website as well as Facebook page.

 

Colorado Spring’s  4th of July Symphony on Your Porch, from 8:30-10 pm, Colorado Springs Philharmonic’s annual patriotic concert will be broadcast on local radio stations while fireworks will light up the night sky from various locations. Fireworks will also be streamed live.

 

Morrison’s  Bandimere Speedway: Jet Car Nationals & Family Festival is a festival with drag racing, live music, troop salute, jet cars and more at the Speedway. Elimination rounds start at 12:30 pm, Pre-race ceremony at 6 pm, show starts at 7 pm and  fireworks at about 9:45 pm  Tickets run $18 to $30 in advance, $21 to $33 at the gate. Parking is $15. Discount coupons available at participating Brakes Plus & Chick-fil-a locations. Those in the vicinity should be able to see the fireworks. Check the Speedway website for radio stations carrying simulcasts of the music.

 

 

Cities with Canceled Fourth of July Shows

  • Arvada
  • Aurora
  • Boulder
  • Broomfield
  • Denver: Civic Center park, Coors Field, Empower Field
  • Englewood
  • Golden
  • Green Valley Ranch
  • Highlands Ranch
  • Lafayette
  • Lakewood
  • Parker
  • Thornton
  • Westminster

 

Photo credit: Clientwise.com