Farmers’Markets&PumpkinPatchesToFallForSANDRAWILKENLUXURYPROPERTIESPRESENTS:SANDRAWILKENLUXURY

SANDRA WILKEN LUXURY PROPERTIES PRESENTS: With 30 years of building relationships and developing business in the Phoenix Valley, Sandra Wilken and Sandra Wilken Luxury Properties have been fortunate enough to be recognized as industry experts and have received many awards including the prestigious Residential Real Estate Superstars Award and the 2008 Luxe Award for Best Marketing Campaign for a Property.

Real estate is a vital component of any investment portfolio. Whether it is your primary residence, a vacation home or property for investment purposes only, the value received from real estate ownership is a significant factor of your overall wealth.

Real estate is an investment. Therefore, it is important to be as selective with your real estate broker as you are in choosing your investment advisor. At Sandra Wilken Luxury Properties, we take your investment dollars very seriously. Sandra Wilken Luxury Properties has aligned itself with Compass Bank and their Mortgage Lending and Private Wealth Management groups. Like Sandra Wilken Luxury Properties, Compass Bank strongly believes in full service, and continually strives to satisfy all client’s needs from personal banking to mortgage lending.

Sandra Wilken Luxury Properties and Compass Bank’s proximity to Gainey Ranch will make it convenient for residents to discuss investment and real estate strategies. Contact Chuck Watts at Compass Bank, 480.596.2602.

Everyone wants to know where to invest.

Location, location, location... Gainey Ranch has long been a real estate hot spot. And the good news is, in addition to significant price appreciation, buyers enjoy year-round sunshine and an enhanced lifestyle. Please call us or visit our office to discuss your next real estate investment opportunity.

Currently for Sale October 2008

7400 E. Gainey Club Dr. #218 • 1,888 Sq. Ft. • 2 Bed / 3 Bath • Offered at $595,000

7525 E. Gainey Ranch Rd. #149 • 2,438 Sq. Ft. • 3 Bed / 2.5 Bath • Offered at $1,160,000

Sale Pending

Autumn Has Arrived!

Farmers’ Markets & Pumpkin Patches To Fall For 10040 N. 78th Pl. • 4 Bed / 4.5 Bath • 3,451 Sq. Ft. • Offered at $995,000

Applying For A Mortgage?

Recent Highest Priced Sales

Vaquero Drive at Gainey Ranch 7600 E. Vaquero Dr. $3,100,000

Estates at Gainey Ranch 7475 E. Gainey Ranch Rd. #25 $2,400,000

North Meadow II at Gainey Ranch 9845 N. 79th Way $1,580,000

Golf Villas at Gainey Ranch 7740 E. Gainey Ranch Rd. #1 $700,000

Six Things NOT To Do

Hearty Cuisine For Cooler Temps Palm Court’s Rack Of Lamb

All information is deemed reliable but not guaranteed.

Produced by Desert Lifestyle Publishing • 480.460.0996 Sandra Wilken President & Designated Broker Phone - 480.596.0001 sandra@sandrawilken.com

ISSN-1939-9421

Barbara Graham Managing Broker Phone - 602.819.1396 barbg@sandrawilken.com

SANDRA WILKEN LUXURY PROPERTIES 7335 E. Doubletree Ranch Road Scottsdale, AZ 85258 www.sandrawilkenhomes.com If your home is currently listed, this is not a solicitation for that listing.

Gainey Ranch’s

Hot Real Estate Listings

Fall has arrived. A seasonal tradition for many is browsing the many farmers’ markets around town. Most markets begin their season in October and now is the perfect time to jaunt over and spend a sunny morning stocking up on loads of goodies. Most of the produce you’ll find is locally grown, vine-ripened, organic and pesticide-free. In addition to farm-grown produce, most of the markets also have a large variety of locally made salsas, dips, jams & jellies, tapenades, herbs and baked goods. Often you might run across a chef demonstration or wine tasting as well. So go ahead — make a return to your favorite market or check out a new one! As times and dates can change, it’s advised to call ahead to confirm before you go.

Featuring Palm Court at the Scottsdale Resort thescottsdaleresort.com • 480.596.7700 7700 E. McCormick Pkwy. • Scottsdale

HERB MUSTARD CRUSTED COLORADO LAMB RACK WITH SCALLOPED POTATOES Mustard Mixture 1 Tbsp. Coleman dry mustard 1 cup Dijon mustard 1/2 cup dry white wine Combine all ingredients in a bowl and slowly blend into a paste.

French Herb Crumbs 1/3 pound bread crumbs 1 Tbsp. thyme 1 Tbsp. rosemary, chopped fine 2 Tbsp. melted butter Mix all ingredients together in a bowl and set to the side.

Frenched Rack of Lamb (2) 8-bone racks of lamb 1 pinch granulated garlic, salt and pepper 2 Tbsp. canola oil 4 ounces mint jelly Season lamb with salt, pepper and garlic then pan sear in canola oil over medium-high heat until lightly brown. Remove and place on baking sheet, bones down. Heavily coat racks with mustard mixture then herbed crumbs and place in a 350 degree oven approximately 10 minutes for medium rare.

Scalloped Potatoes 4 medium potatoes, peeled and thinly sliced (1/16” to 1/8”) 2 cloves garlic, minced 3 minced shallots 1/3 gallon heavy cream 2 Tbsp. unsalted butter salt and pepper to taste Lightly butter pan before beginning the layering of potatoes.

Apply layers of garlic, shallots, heavy cream, salt and pepper between potato layers. Bake covered at 350 degrees for 45 minutes then uncovered for 15 minutes until golden brown.

Yield: 4 servings

PHOENIX Town & Country Market 2021 E. Camelback Rd. Wed. 10 am - 2 pm 602.955.6850

SCOTTSDALE 5th Avenue Farmers’ Market 5th Ave. & Craftsman Court Sat. 10 am - 2 pm 623.848.1234

Downtown Phoenix Public Market 721 N. Central Ave. Sat. 8 am - 12 noon 602.493.5231

Market at DC Ranch Pima & Thompson Peak Pkwy.

Sat. 10 am - 2 pm 480.612.7861

The Farm at South Mountain 6102 S. 32nd St. Sat. 9 am - 1 pm 480.236.7097

Desert Canyon Center Farmers’ Market 10405 E. McDowell Mtn. Rd. Tue. 10 am - 4 pm 480.585.8639

CAREFREE Carefree Farmers’ Market Easy St. & Ho Hum Way Fri. 9 am - 1 pm 623.848.1234 ANTHEM Outlets of Anthem Market 4250 W. Anthem Way 1st Sat. of the month 10 am – 3 pm 480.585.8639

EAST VALLEY Ahwatukee Farmers’ Market Ahwatukee Swim & Tennis Center Sun. 9 am - 1 pm 623.848.1234 Chandler Farmers’ Market Dr. A.J. Chandler Park Thu. 3 pm - 6 pm 480.782.3045

The Village Market at San Tan 2218 E. Williams Field Rd. 1st & 3rd Wed. of the month 9:30 am – 2 pm 480.585.8639 WEST VALLEY Estrella Lakeside Market Estrella Pkwy. south of Elliot 3rd Sat. of the month, 10 am - 2 pm 480.585.8639 Westgate Tuscan Market 5850 W. Glendale Ave. 2nd Sat. of the month, 8 am - 1 pm 480.585.8639 Trilogy at Vistancia Farmers’ Market 27980 N. Trilogy Blvd. #102 4th Fri. of the month, 10 am - 2 pm 480.585.8639

PUMPKIN PATCHES What’s October without a visit to a local pumpkin patch? In addition to picking your own pumpkin, some farms deliver the full experience: hay rides, petting zoo, corn maze, even pie eating contests.

Tolmachoff Farms 5726 N. 75th Ave. Glendale Open every day in Oct. & Nov. 623.386.1301 Schnepf Farms 24810 S. Rittenhouse Rd. Queen Creek Thu. – Sun. in Oct. 10 am – 9 pm 480.967.3100 Brooke’s Pumpkin Patch 1663 E. Baseline Rd. Gilbert Sept. 27 – Nov. 7 9 am – 9 pm 480.892.5874

steer clear of these common mistakes when obtaining financing

1. Don’t Pack Or Ship Important Paperwork.

Documents that should be accessible during the loan process, such as your W-2 forms and tax returns, are best kept with you. If you’re preparing to move and are packing or shipping items, take care that these are not included. If you needed to obtain duplicate copies, it could delay or stall the loan closing.

2. Don’t Move Assets Around. As part of the loan application process, lenders need to track and review all deposits to all of your bank accounts. If you are moving money around or opening up new accounts, it greatly adds to the amount of information you will be

asked to provide. Keep it simple to minimize the headaches. You can consolidate your accounts after your loan has closed if you need to.

3. Don’t Buy Or Lease A New Car. One of the most important indicators to a lender is your debt-to-income ratio. If you qualified for a home loan based upon your current situation, a new car loan or lease payment could adversely affect your ratio and prevent you from obtaining your new home loan when it comes down to the closing table.

4. Don’t Start Making Large Purchases For Your New Home. Although tempting, avoid buying furniture, new appliances or any other purchases that will either drain money from your bank accounts, or if financed, show up as a new monthly debt. As soon as your loan funds and you have the keys to your new home, go ahead and make those purchases you had planned upon.

ZooFari Phoenix Zoo, Oct. 3rd 602.273.1341 or phoenixzoo.org Put on your party dress and dance the night away at the “wildest” event of the year, ZooFari. This wonderful adventure will feature live performances, plenty of entertainment and enough culinary delights to indulge in to your heart’s (or stomach’s) content. As one of the Valley’s most well-known annual black tie events, your presence and participation will benefit the Bornean Orangutans as well as other exotic residents that call the Phoenix Zoo home.

Fire Prevention Day & Parade Glendale, Oct. 4th 623.703.1571 or glendaleaz.com What a wonderful morning for a parade! Starting at 52nd and Glendale Avenues, the parade route ends at Murphy Park. Expect to see fire vehicles, marching bands, clowns, scouts and much more! Food vendors, arts, crafts and safety information booths will be on hand at the park. It’s perfect for your little “future firefighters” and anyone else that loves a chance to see our heroes up close.

Susan G. Komen Race for the Cure State Capitol District, Oct. 12th 602.544.2873 or komenphoenix.org Join in the fight against breast cancer with the largest 5K event in Arizona. As a runner/walker, you’ll be part of a vast group of those in support of finding a cure for this disease. You may sign up to run in memoriam of a lost loved one, or in celebration of a brave survivor. Before and after the race, enjoy the multitude of booths and exhibits that will have information, freebies and goodies.

The Rat Pack- Live at the Sands Gammage Auditorium, Oct. 14th-19th 480.965.3434 or asugammage.com Celebrate the incredible talent and lives of three worldfamous entertainers: Frank, Sammy and Dean. These three superstars not only dominated the world of music, they made their mark on the big screen as well. This non-stop singing and dancing performance showcases the impact that this famous trio had on 20th century culture, with recordings that are still high on the music charts throughout the world.

Don’t Jeopardize Your Loan Application!

As lending guidelines have become much more stringent, it’s important to keep your loan application process as clean and smooth as possible. Imagine sitting at the title company, ready to sign your loan documents and take your new house keys only to find out that your loan will not fund due to one of these common mistakes:

OCTOBER 2008

5. Don’t Change Jobs. Employment stability is of vital importance to a mortgage lender.

You will want to be on your current job for at least 30 days before applying for a mortgage.

Most lenders verify your employment again on the day of funding. A change such as your employment may disrupt your loan closing, cause stressful delays or even ruin your chances of obtaining the loan.

6. Limit Credit Report Pulls. Every time a company pulls your credit, the resulting inquiry will lower your credit score for a few months.

If you were shopping for a mortgage with five companies and they all pulled your credit, you could see a substantial drop in your credit score. And that resulting drop in your credit score could cause you to miss qualifying for the best available interest rate. Mortgage companies don’t need to pull your credit score in order to quote you a rate and loan fees. The advice is to pull credit on yourself at a source such as www.freecreditreport.com. Then, when shopping for rates, just share your score with each lender. Don’t let anyone else pull your credit until you have committed to one lender for your new mortgage.

Eats 3 Southbridge, Oct. 23rd-25th 480.945.3551 or eats3.com Do you have a “taste” for food, wine and spirits? If so, this uniquely Arizona event was created for you! During this three-day culinary extravaganza, food lovers will get the chance to delight their taste buds at the Grand Tasting which features over 30 chefs and more than 100 wineries. During the finale, BBQ and Bubbles, you’ll sip on the finest champagne and help determine which chef’s BBQ best depicts the essence of Scottsdale.

Tina Turner Jobing.com Arena, Oct. 24th 623.772.3200 or jobingarena.com Don’t miss the icon Tina Turner’s return to the stage in her first tour since 2000. As the most successful female rock artist of all time, there will be plenty of hits to keep audiences rocking. As an eight-time Grammy Award winner, Tina Turner’s performances have sold more concert tickets than any other solo performer in history.

If you’re a fan, you know there is just not enough that can be said about the “Queen of Rock and Roll.”