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Arizona Homeowner July | August 2014

Beat the Heat & Stay in Shape

Meet The 3M Group… The 3M Group was formed by the 3 Martinez sisters. These ladies have become one of the top loan originating and closing teams in the Metro Phoenix Area. Their brains and beauty are only surpassed by their passion and commitment to service their clients! And they are bilingual to boot! The 3M Group’s team is comprised of professionals with more than 30 years of combined experience. The 3M Group is committed to completing transactions with the utmost diligence and usually within 21-30 days. Ericka Martinez Hirons is your Licensed Mortgage Professional, Jazel Martinez is the Transaction Coordinator and Jessica Martinez Emes is the 3M Group’s Licensed Marketing & Business Development Director.

Summertime Fitness

RENTING VS. BUYING Top 10 Reasons Why 2014 is the Year to Buy

Thinking about buying a house? If you need convincing, here are some very practical reasons why you should buy now: 1. Save money: It may be cheaper to own than rent. Your mortgage payment may be less than your rent payment. 2. Build equity: Home prices are on the rise! Phoenix area single family home prices are up 27% from June of 2012 according to researchers at ASU W. P. Carey School of Business. 3. Interest rates are still low! Save money. The lower the interest rate, the lower the monthly house payment. 4. Interest deductions: Buyers who itemize their federal tax return may be able to deduct mortgage interest and property taxes, resulting in savings for owners vs. renters. For example, if someone paid $12,000 in mortgage interest in a year and were at a 25% federal tax rate, they may receive up to a $3000 annual tax deduction. (Consult an accountant to find out which is better for you.) 5. Investing in your future: Owning a home is a great financial investment.

6. First time home buyer program: Lower down payment, and less stringent credit and qualifying requirements for eligible families and individuals who are purchasing their first home, or who have not owned a home in the past three years. Ask your loan officer for more info about this program. 7. Homeownership = Stability. A place of your own to build future memories. 8. If you previously owned and lost your home to a short sale or foreclosure you may be able to buy again and don’t know it. See you loan officer for details. 9. Rising rents: Buying a home means you can fix your mortgage payment, at least the principle and interest portion. Rents are projected to rise this year and over time. 10. Stronger sense of community: Owning a home is the American dream, and an investment in your community.

Why not give us a call?

spa it up

www.homeownersfg.com

Jessica Martinez Emes

Licensed Mortgage Professional

Licensed Marketing/Business Development

NMLS#294688

NMLS#422472

480.305.8630

480.305.8634

Jazel Martinez

Transaction Cordinator Homeowners Financial Group USA, LLC | BK#0906222 | NMLS#93718. This is not a pre-approval or commitment to engage in a loan transaction. All loan products may not be available in your area and are subject to credit and property approval pursuant to agency and investor guidelines. Rates and terms are subject to change without notice.

Produced by Desert Lifestyle Publishing • 480.460.0996 • www.DesertLifestyle.net

Cover Photography | The Village

Ericka Martinez Hirons

Homeowners Financial pasta perfection Group with Ocean Prime’s Shrimp Linguini 3MGroup Master Bath Musts


Event Calendar July | August 2014

Kierland Commons Summer Concert Kierland Commons | July 19 480.348.1577 | KierlandCommons.com Enjoy this complimentary concert in Center Plaza from 7-9 p.m. Chuck E. Baby will be playing classic rock favorites. Chuck E. Baby and the All-stars were voted as “Top 10 Finalist | Best Of” in the local band category for AZ Central Best 2013 Reader’s Choice Awards for the 5th consecutive year. Dr. John Talking Stick Resort | August 8 480.850.7734 | TalkingStickResort.com Dr. John is an ambassador to all things New Orleans. The man known as the Night Tripper will bring his life-honed sound to the Showroom at Talking Stick Resort. Known for songs like “Right Place Wrong Time” and “Down in New Orleans,” Dr. John’s musical footprint has spanned over five decades. He has won six Grammy Awards and was inducted into the Rock and Roll Hall of Fame by singer John Legend in March 2011. Anthem Sprint Triathlon Anthem Community Center | August 23 623.330.0913 | 4PeaksRacing.com This reverse order sprint triathlon will kick-off your fall season with a bang! The Anthem Sprint Triathlon, hosted in conjunction with Team Anthem Multisport Club, is held in a great location and on a fantastic course. Consisting of a 5km run, a fast 20km bike course and a 400m swim to the finish, The Anthem Sprint Triathlon is a great way to start your fall racing season. Ghost Towns of Arizona: Photography of Kurt Wenner Pueblo Grande Museum | through August 30 602.495.0901 | Phoenix.gov This exhibit features over 40 photographs of Arizona ghost towns, taken by Kurt Wenner between 1996 and 2006. Though many of the places and structures in the images no longer survive, this exhibit strives to tell the story that not all history is written by people who live in big cities. People find old, abandoned places fascinating, and certainly full of questions. Why was this town built? Who lived here? Why did they leave?

HOME

SPA

Looking for the ultimate retreat after a long hot day at work? Today’s soothing master baths are becoming the ultimate in-house getaway. From spiraling snail showers to streamlined soaking tubs, your bathroom can boast all the elements of a fancy luxury spa. And the best part of all, you don’t have to leave home to enjoy it.   To up the spa factor in your master bath, start by choosing luxurious materials such as white and gray marble and natural woods, as well as selecting soothing hues of whites, blues, grays, and tans. Serenity is the key to achieving that spa feeling. Allow as much natural light from windows into your bath as possible. Clean lines and uncluttered spaces reflect a feeling of relaxation. Next, consider opening up your shower stall. Today’s showers are often doorless with floors that simply slope away to a drain, no door or shower curtain required. Think multiple showerheads and wide-open, airy spaces. Steam showers will also help to ease sore muscles and help bring about relaxation. The latest trend: So-called “snail showers,” open at the ceiling showers that offer privacy via an aesthetically pleasing curved wall. You may also want to consider creating a separate water closet for the toilet, a doored space for privacy. Dual vanities with smaller storage areas for blow dryers, razors, and curling irons are also a great touch to keep your space feeling like the spa. Tubs have also changed in today’s most elegant at-home spa bathrooms. Many homeowners are replacing the large, clunky Jacuzzi tubs of the last few decades and instead choosing quiet, deeper Zen-like soaking tubs, perfect for the ultimate in relaxation. Choose a heated variety for ultimate luxury. Add some essential oils, flickering candles, and a glass of sparkling mineral water or Chenin Blanc and you’ve got the ultimate in relaxation. Of course, technology has also found its way into the bathroom. Why not maximize your time in the morning by catching up on the day’s news while prepping in the mirror? Today’s invisible televisions—TVs that pop up in bathroom mirrors—are the ultimate touch for those who want to start the day out right. Soothing tunes in the surround sound system and a built-in coffee bar and you’re all set for your morning routine without even leaving your master suite. Just don’t forget to accessorize with ultra-plush spa-like towels and super soft luxurious white robes. Now that’s relaxing!

Your Home

Here in the Valley of the Sun, the only thing harder than staying cool in the sizzling summer months is staying in shape. However, your health and fitness shouldn’t take the summer off simply because temps regularly climb into the triple digits. You need to be motivated, smart and creative, by tweaking activities during the hottest days for comfort and results, but for safety as well. Schedule that tee time earlier in the morning and avoid exercising outdoors between 10 a.m. and 4 p.m. Love walking or running, but hate the unchanging view on a treadmill? Try to find shaded paths that keep you out of the direct sun, wear light-colored, loose fitting clothes, and don’t forget the sunscreen! Above all, it’s important to stay hydrated. Sweating depletes our body of important electrolytes, and dehydration can lead to nausea and dizziness. Whether exercising in the heat or indoors, it’s always important to listen to your body. Some activities are nicely suited for summer, like a cool dip in the pool or a neighborhood yoga class, and sometimes avoiding the heat means staying indoors altogether. You can enjoy the air-conditioned bliss of your local health club or one of Arizona’s many luxury resorts. Upscale fitness facilities make it easy to take your exercise regimen indoors. With three Valley locations (and a fourth under construction), The Village Health Clubs & Spas offer the usual

amenities, but also puts a focus on the social element. Joining “a club within a club” brings members together for their active lifestyle passion, be it hiking, swimming, tennis, and more. In addition to numerous adult wellness classes, they provide professional childcare, resort-style pools, indoor and outdoor play areas, plus organized activities to keep the kids active and healthy during summer break. After the workout it’s time to get professionally pampered at a full-service day spa. Therapeutic massage, skin care, and even a pedicure can round out the sense of wellbeing that’s so vital to our summer health and fitness routine. Stay cool and be well, Arizona!

The Village Health Clubs & Spas offers the ideal blend of fitness, fun and relaxation, no matter what the temperature is outside. Locations are 4444 E. Camelback Rd. in Phoenix, and 18501 N. Thompson Peak Pkwy. and 7477 E. Doubletree Ranch Rd., both in Scottsdale. For more information visit www.villageclubs.com.

Shrimp Linguini

PASTE INGREDIENTS 1 tsp salt 20 extra large shrimp, marinated 20 oz linguini pasta 4 tbsp garlic, sliced 20 grape tomatoes, with ends cut off 4 tbsp extra virgin olive oil

Local Flavor!

Peter Pan Arizona Broadway Theatre | July 11-August 17 623.776.8400 | AZBroadway.org “Second star to the right, and straight on till morning!” Known by many from the 1953 Disney movie, Peter Pan tells the story of the mischievous boy who can fly, who never ages, and who spends his never-ending childhood adventuring on the enchanting isles of Neverland as the undisputed leader of the Lost Boys. This summer, audiences are invited to sprinkle a little pixie dust and join Peter, Wendy, Michael, John and Tinker Bell on a magical adventure as they battle alligators and the notorious Captain Hook in Arizona Broadway Theatre’s high-flying and fanciful spectacle!

WHITE WINE GARLIC SAUCE INGREDIENTS 1 lemon wedge 1 oz lobster butter (or salted butter) Kosher salt to taste White pepper to taste 4 oz fresh spinach, raw 6 tsp herb mix (thyme, cilantro, oregano) 3 oz goat cheese, crumbled

Ocean Prime 480.347.1313 | OceanPrimePhoenix.com

SHRIMP MARINADE INGREDIENTS 3 extra large shrimp 4 oz roasted garlic 1 cup extra virgin olive oil 1/2 tbsp herb mixture

SHRIMP MARINADE: Squeeze garlic with a garlic press and pass through to puree and remove any leftover casings. In a large stainless steel bowl, combine roasted garlic, olive oil and herb mixture with a wire whip. Place shrimp in a gallon-sized plastic bag. Pour marinade on top of shrimp. Seal the bag and shake gently to coat. Refrigerate for three hours before cooking.   DIRECTIONS: Preheat oven to 450 degrees. In a medium pot, boil two cups of water, add pasta and cook until al dente. On an oven sheet, arrange shrimp and roast in oven until fully cooked, about five to six minutes. In a sauté pan, cook garlic and tomatoes in olive oil. Then add white wine, garlic and lemon and crush the tomatoes. Once the garlic sauce comes to a boil, add butter and season with kosher salt and white pepper. Reduce sauce and add pasta to allow it to absorb some of the flavor from the sauce, about 15 minutes. Remove lemon wedge from pasta mixture and add spinach and herb mix then toss to combine. Place the pasta mixture on a plate and rub the tops of the shrimp in the leftover marinade. Shingle them on top of pasta with the tails facing down. Garnish the dish with crumbled goat cheese. Servings: 4 servings


Event Calendar July | August 2014

Kierland Commons Summer Concert Kierland Commons | July 19 480.348.1577 | KierlandCommons.com Enjoy this complimentary concert in Center Plaza from 7-9 p.m. Chuck E. Baby will be playing classic rock favorites. Chuck E. Baby and the All-stars were voted as “Top 10 Finalist | Best Of” in the local band category for AZ Central Best 2013 Reader’s Choice Awards for the 5th consecutive year. Dr. John Talking Stick Resort | August 8 480.850.7734 | TalkingStickResort.com Dr. John is an ambassador to all things New Orleans. The man known as the Night Tripper will bring his life-honed sound to the Showroom at Talking Stick Resort. Known for songs like “Right Place Wrong Time” and “Down in New Orleans,” Dr. John’s musical footprint has spanned over five decades. He has won six Grammy Awards and was inducted into the Rock and Roll Hall of Fame by singer John Legend in March 2011. Anthem Sprint Triathlon Anthem Community Center | August 23 623.330.0913 | 4PeaksRacing.com This reverse order sprint triathlon will kick-off your fall season with a bang! The Anthem Sprint Triathlon, hosted in conjunction with Team Anthem Multisport Club, is held in a great location and on a fantastic course. Consisting of a 5km run, a fast 20km bike course and a 400m swim to the finish, The Anthem Sprint Triathlon is a great way to start your fall racing season. Ghost Towns of Arizona: Photography of Kurt Wenner Pueblo Grande Museum | through August 30 602.495.0901 | Phoenix.gov This exhibit features over 40 photographs of Arizona ghost towns, taken by Kurt Wenner between 1996 and 2006. Though many of the places and structures in the images no longer survive, this exhibit strives to tell the story that not all history is written by people who live in big cities. People find old, abandoned places fascinating, and certainly full of questions. Why was this town built? Who lived here? Why did they leave?

HOME

SPA

Looking for the ultimate retreat after a long hot day at work? Today’s soothing master baths are becoming the ultimate in-house getaway. From spiraling snail showers to streamlined soaking tubs, your bathroom can boast all the elements of a fancy luxury spa. And the best part of all, you don’t have to leave home to enjoy it.   To up the spa factor in your master bath, start by choosing luxurious materials such as white and gray marble and natural woods, as well as selecting soothing hues of whites, blues, grays, and tans. Serenity is the key to achieving that spa feeling. Allow as much natural light from windows into your bath as possible. Clean lines and uncluttered spaces reflect a feeling of relaxation. Next, consider opening up your shower stall. Today’s showers are often doorless with floors that simply slope away to a drain, no door or shower curtain required. Think multiple showerheads and wide-open, airy spaces. Steam showers will also help to ease sore muscles and help bring about relaxation. The latest trend: So-called “snail showers,” open at the ceiling showers that offer privacy via an aesthetically pleasing curved wall. You may also want to consider creating a separate water closet for the toilet, a doored space for privacy. Dual vanities with smaller storage areas for blow dryers, razors, and curling irons are also a great touch to keep your space feeling like the spa. Tubs have also changed in today’s most elegant at-home spa bathrooms. Many homeowners are replacing the large, clunky Jacuzzi tubs of the last few decades and instead choosing quiet, deeper Zen-like soaking tubs, perfect for the ultimate in relaxation. Choose a heated variety for ultimate luxury. Add some essential oils, flickering candles, and a glass of sparkling mineral water or Chenin Blanc and you’ve got the ultimate in relaxation. Of course, technology has also found its way into the bathroom. Why not maximize your time in the morning by catching up on the day’s news while prepping in the mirror? Today’s invisible televisions—TVs that pop up in bathroom mirrors—are the ultimate touch for those who want to start the day out right. Soothing tunes in the surround sound system and a built-in coffee bar and you’re all set for your morning routine without even leaving your master suite. Just don’t forget to accessorize with ultra-plush spa-like towels and super soft luxurious white robes. Now that’s relaxing!

Your Home

Here in the Valley of the Sun, the only thing harder than staying cool in the sizzling summer months is staying in shape. However, your health and fitness shouldn’t take the summer off simply because temps regularly climb into the triple digits. You need to be motivated, smart and creative, by tweaking activities during the hottest days for comfort and results, but for safety as well. Schedule that tee time earlier in the morning and avoid exercising outdoors between 10 a.m. and 4 p.m. Love walking or running, but hate the unchanging view on a treadmill? Try to find shaded paths that keep you out of the direct sun, wear light-colored, loose fitting clothes, and don’t forget the sunscreen! Above all, it’s important to stay hydrated. Sweating depletes our body of important electrolytes, and dehydration can lead to nausea and dizziness. Whether exercising in the heat or indoors, it’s always important to listen to your body. Some activities are nicely suited for summer, like a cool dip in the pool or a neighborhood yoga class, and sometimes avoiding the heat means staying indoors altogether. You can enjoy the air-conditioned bliss of your local health club or one of Arizona’s many luxury resorts. Upscale fitness facilities make it easy to take your exercise regimen indoors. With three Valley locations (and a fourth under construction), The Village Health Clubs & Spas offer the usual

amenities, but also puts a focus on the social element. Joining “a club within a club” brings members together for their active lifestyle passion, be it hiking, swimming, tennis, and more. In addition to numerous adult wellness classes, they provide professional childcare, resort-style pools, indoor and outdoor play areas, plus organized activities to keep the kids active and healthy during summer break. After the workout it’s time to get professionally pampered at a full-service day spa. Therapeutic massage, skin care, and even a pedicure can round out the sense of wellbeing that’s so vital to our summer health and fitness routine. Stay cool and be well, Arizona!

The Village Health Clubs & Spas offers the ideal blend of fitness, fun and relaxation, no matter what the temperature is outside. Locations are 4444 E. Camelback Rd. in Phoenix, and 18501 N. Thompson Peak Pkwy. and 7477 E. Doubletree Ranch Rd., both in Scottsdale. For more information visit www.villageclubs.com.

Shrimp Linguini

PASTE INGREDIENTS 1 tsp salt 20 extra large shrimp, marinated 20 oz linguini pasta 4 tbsp garlic, sliced 20 grape tomatoes, with ends cut off 4 tbsp extra virgin olive oil

Local Flavor!

Peter Pan Arizona Broadway Theatre | July 11-August 17 623.776.8400 | AZBroadway.org “Second star to the right, and straight on till morning!” Known by many from the 1953 Disney movie, Peter Pan tells the story of the mischievous boy who can fly, who never ages, and who spends his never-ending childhood adventuring on the enchanting isles of Neverland as the undisputed leader of the Lost Boys. This summer, audiences are invited to sprinkle a little pixie dust and join Peter, Wendy, Michael, John and Tinker Bell on a magical adventure as they battle alligators and the notorious Captain Hook in Arizona Broadway Theatre’s high-flying and fanciful spectacle!

WHITE WINE GARLIC SAUCE INGREDIENTS 1 lemon wedge 1 oz lobster butter (or salted butter) Kosher salt to taste White pepper to taste 4 oz fresh spinach, raw 6 tsp herb mix (thyme, cilantro, oregano) 3 oz goat cheese, crumbled

Ocean Prime 480.347.1313 | OceanPrimePhoenix.com

SHRIMP MARINADE INGREDIENTS 3 extra large shrimp 4 oz roasted garlic 1 cup extra virgin olive oil 1/2 tbsp herb mixture

SHRIMP MARINADE: Squeeze garlic with a garlic press and pass through to puree and remove any leftover casings. In a large stainless steel bowl, combine roasted garlic, olive oil and herb mixture with a wire whip. Place shrimp in a gallon-sized plastic bag. Pour marinade on top of shrimp. Seal the bag and shake gently to coat. Refrigerate for three hours before cooking.   DIRECTIONS: Preheat oven to 450 degrees. In a medium pot, boil two cups of water, add pasta and cook until al dente. On an oven sheet, arrange shrimp and roast in oven until fully cooked, about five to six minutes. In a sauté pan, cook garlic and tomatoes in olive oil. Then add white wine, garlic and lemon and crush the tomatoes. Once the garlic sauce comes to a boil, add butter and season with kosher salt and white pepper. Reduce sauce and add pasta to allow it to absorb some of the flavor from the sauce, about 15 minutes. Remove lemon wedge from pasta mixture and add spinach and herb mix then toss to combine. Place the pasta mixture on a plate and rub the tops of the shrimp in the leftover marinade. Shingle them on top of pasta with the tails facing down. Garnish the dish with crumbled goat cheese. Servings: 4 servings


Arizona Homeowner July | August 2014

Beat the Heat & Stay in Shape

Meet The 3M Group… The 3M Group was formed by the 3 Martinez sisters. These ladies have become one of the top loan originating and closing teams in the Metro Phoenix Area. Their brains and beauty are only surpassed by their passion and commitment to service their clients! And they are bilingual to boot! The 3M Group’s team is comprised of professionals with more than 30 years of combined experience. The 3M Group is committed to completing transactions with the utmost diligence and usually within 21-30 days. Ericka Martinez Hirons is your Licensed Mortgage Professional, Jazel Martinez is the Transaction Coordinator and Jessica Martinez Emes is the 3M Group’s Licensed Marketing & Business Development Director.

Summertime Fitness

RENTING VS. BUYING Top 10 Reasons Why 2014 is the Year to Buy

Thinking about buying a house? If you need convincing, here are some very practical reasons why you should buy now: 1. Save money: It may be cheaper to own than rent. Your mortgage payment may be less than your rent payment. 2. Build equity: Home prices are on the rise! Phoenix area single family home prices are up 27% from June of 2012 according to researchers at ASU W. P. Carey School of Business. 3. Interest rates are still low! Save money. The lower the interest rate, the lower the monthly house payment. 4. Interest deductions: Buyers who itemize their federal tax return may be able to deduct mortgage interest and property taxes, resulting in savings for owners vs. renters. For example, if someone paid $12,000 in mortgage interest in a year and were at a 25% federal tax rate, they may receive up to a $3000 annual tax deduction. (Consult an accountant to find out which is better for you.) 5. Investing in your future: Owning a home is a great financial investment.

6. First time home buyer program: Lower down payment, and less stringent credit and qualifying requirements for eligible families and individuals who are purchasing their first home, or who have not owned a home in the past three years. Ask your loan officer for more info about this program. 7. Homeownership = Stability. A place of your own to build future memories. 8. If you previously owned and lost your home to a short sale or foreclosure you may be able to buy again and don’t know it. See you loan officer for details. 9. Rising rents: Buying a home means you can fix your mortgage payment, at least the principle and interest portion. Rents are projected to rise this year and over time. 10. Stronger sense of community: Owning a home is the American dream, and an investment in your community.

Why not give us a call?

spa it up

www.homeownersfg.com

Jessica Martinez Emes

Licensed Mortgage Professional

Licensed Marketing/Business Development

NMLS#294688

NMLS#422472

480.305.8630

480.305.8634

Jazel Martinez

Transaction Coordinator Homeowners Financial Group USA, LLC | BK#0906222 | NMLS#93718. This is not a pre-approval or commitment to engage in a loan transaction. All loan products may not be available in your area and are subject to credit and property approval pursuant to agency and investor guidelines. Rates and terms are subject to change without notice.

Produced by Desert Lifestyle Publishing • 480.460.0996 • www.DesertLifestyle.net

Cover Photography | The Village

Ericka Martinez Hirons

Homeowners Financial pasta perfection Group with Ocean Prime’s Shrimp Linguini 3MGroup Master Bath Musts


Arizona Homeowner | 3M Group