There is no 'great' appreciation expected anywhere in Northern Colorado. Not for a while.

As the foreclosure market gains steam, and we ecomomy slips further into recession, the smart buyers are investing in the more established areas, and avoiding the transitional areas that may be in decline.

The Downtown Loveland area has more potential than other areas, but it is still a gamble. I'd look at the North Loveland Market, which is driven in part by the growth of Fort Collins, There is newer construction available for less than it cost to build the home!

Whatever you do, use an agent- it costs you nothing and you could save thousands!