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Brady Holland

Arizona Homeowner October | 2010

Mortgage Planner

Real estate financing can be a daunting task. And that is especially true in today’s world where lenders are more cautious about lending due to economic uncertainty. I understand that choosing a mortgage is one the biggest decisions that you will make. You want the best interest rate and you want the pre-approval, application, and close of escrow process to be hassle-free. I understand. I listen to your needs. And I respond quickly and deliver. Let me put my nearly two decades of residential lending experience to work for you! • The needs of every client are different. I specialize in tailoring a loan and financing strategy that will best fit the individual needs of each client. • Have you ever closed on a mortgage and later had remorse that you may have picked the wrong loan program or paid too much in fees? I offer a benefit analysis on every loan to ensure that the loan program and the associated costs are the best fit and in the best interest of the client. • I use the latest lending technology to deliver a loan credit decision in hours, not days. • Closing thousands of loans over the course of my career assures you that as an industry veteran I have the knowledge and expertise to handle every situation. • My impeccable reputation is my best asset. I always strive to exceed your expectations and earn your business for life!

Call me today!

MORTGAGE RATES as of 9/16/10

Loan Rates for $150K-$417K: • 30-Year Fixed: 4.375%/4.556% APR • 15-Year Fixed: 3.875%/4.189% APR • 5/1 ARM: 3.375%/3.588% APR

Loan Rates for $418K-$1.5M: • 30-Year Fixed: 5.125%/5.250% APR • 5/1 ARM: 3.750%/4.026% APR • 7/1 ARM: 4.000%/4.235% APR *Note: All rate quotes offered at 1% origination fee for primary home purchase or no cash-out refinance financing with 720+ FICO score. Loans under $417K are quoted based on 20% equity while loans over $417K require 20%-30% equity. Other financing options are available upon request.

Brady Holland

Mortgage Planner NMLS ID 180079

Mobile: 480.272.3282 bradyh@ihlending.com www.imortgage.com/Brady.Holland

AZBK 0903725

A Guide to Viewing Fall Foliage

MARKET WATCH UPDATE

In real estate news, record low mortgage rates have surprisingly not improved home buying demand in the last couple of months. But when you really think about it maybe it is not that surprising. You may recall that there was a government tax credit for homebuyers that expired at the end of June. It was such an attractive incentive that it created a huge bubble of housing demand. Similar to what happened to the auto industry after the expiration of the “Cash for Clunkers” program, there is a predictable hang-over effect where a lot of would-be buyers already rushed in earlier this year to buy and get the tax credit. The homebuyer tax credit program actually created bidding wars as buyers tried to secure home sales contracts before the tax credit expiration. And as a result, home prices were getting bid up during that period. But now we are having slack housing demand so new buyers entering the market are in a position to get homes at discounted prices. And with interest rates at a record low, now is the time to buy! In the lending world we have actually seen some recent easing of down payment requirements. And that is a good sign. For clients with high credit scores, the 10% down conventional loan program has been revised to 5% minimum down payment. And we still also have 3.5% down payment FHA loans in addition to 0% down VA and USDA loans.

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

your home

Inspirations for Getting Organized

comfort food with a contemporary twist

Café ZuZu’s Short Ribs


Event Calendar October 2010

Prokofiev’s Romeo and Juliet Symphony Hall, October 7th – 9th 602.495.1117 | PhoenixSymphony.org Marvel as The Phoenix Symphony magically brings two masterpieces to life during the Rediscovered Masters series featuring Romeo and Juliet and Hans Krasa’s Brundibar. Complementing the symphony during this series is The Phoenix Symphony’s Chorus as well as The Phoenix Boys Choir. Illustrator Maurice Sendak’s enchanting images from his most recently published children’s book will also accompany the performance. Jerry Seinfield Dodge Theatre, October 9th 602.379.2800 | LiveNation.com You still laugh along every night on syndicated TV, now don’t miss a rare opportunity to see this comical genius perform live during his North American tour. Seinfield has made his mark in pop-culture history with his unique and distinguishable brand of humor. Come see what’s new in “Jerry’s world.” Susan G. Komen Race for the Cure State Capital District, October 10th 602.544.2873 | 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. Disney’s Beauty and the Beast ASU Gammage, October 19th – 24th 480.965.5062 | ASUGammage.com This Academy-Award winning Disney hit is brought to life on stage in a captivating and delightful presentation. One of life’s best lessons is learned in the tale of a girl who dares to look past a man’s beastly exterior and love the true prince inside. Dazzle at the exquisite sets and costumes, and sing along to all your favorite musical numbers such as Be Our Guest and the self-titled number Beauty and the Beast. The 9th Annual First Press Weekend of Wine The Musical Instrument Museum, October 29th 480.774.8466 | FirstPressArizona.com Sip, mix and mingle at the spirited Grand Tasting featuring more than 100 celebrated wines. Watch local chefs enter culinary battle to claim the championship plate at the 4th annual Food Fight. Delight in mouth-watering culinary treats all while taking in the inspiring visuals of the Musical Instrument Museum. The MIM houses a collection of over 10,000 instruments from around the world, nearly 300 multisensory exhibits and a 299-seat MIM Music Theater.

TACKLING HOME ORGANIZATION TASKS With the dog days of summer behind us, now is the perfect time to tackle those jobs you’ve been putting off for months. Ahem, for example, have you looked in your closets lately? Here are some tips on organizing all those messy places, from harrowing hallway and linen closets to packed kitchen pantries and overstuffed garages. De-clutter those closets. First, it’s important to determine the purpose of the closet in question and eliminate any objects that don’t fall into that category. For example, a front hall closet should contain coats, hats, shoes, backpacks, umbrellas, and other “out-the-door” objects but not, say, toys, shopping bags, or other things that could spill out or don’t serve a purpose in that specific spot. Now it’s time to empty the closet and clean the floors and shelves. (The cleaner it is, the more likely you’ll be to keep it tidy!) Next, decide what items (if any) to toss and which to donate. Organize the remaining items into categories. For example, if you’re organizing your linen closet, sort out towels by color and size, then sort out sheets by which room or bed they belong. Sort through other items to determine if they should be in the closet or not. Before putting items back, mark the shelves with labels such as “guest towels” or “twin sheets” so you’ll be more likely to keep the closet organized when returning items from the laundry. Purchasing coordinating baskets or boxes of similar shapes and sizes to store smaller items will help to keep things tidy. Finally, consider if the closet needs some fine tuning: Do you need more shelving? Hooks to hang hard-to-find items? Would better lighting in the closet make you more inclined to keep things neat? Get the garage in tip-top shape. Garages are notorious for messes and chaos. From dirt and bugs to tools and lawn toys, this space can be, well, scary. Try taming the beast with these ideas: After sweeping and debugging the place, do a thorough sorting out (think three piles: trash, donate, and keep). Now, sort the keeps into categories: camping gear, kids’ toys, automotive care, tools, gardening, etc. Hang as much as you can (bikes and shovels and rakes) and find places for bigger items such as kid’s ride-on toys. Now, try to stash as much as you can into bins that can be marked clearly and stacked one on top of another on shelves for easy storage. Rotate what bins are most accessible by the season (keep pool supplies closest spring through summer and holiday decorations closer to the top in winter). Plan the perfect pantry. Whether you have a walk-in pantry or cabinets for your dry goods, an organized pantry makes shopping and cooking much easier. After discarding any old or nobody’s-ever-goingto-eat-this items, categorize your ingredients and place them accordingly in the pantry or in closets near to where they’ll be used. Keep pantry staples (oils, pasta, canned tomatoes and beans, etc.) at eye-level, lesser-used items lower or higher up. Think like with like. Group pastas and rices and grains together, canned and bottled soups and condiments on another shelf. Bulk items should be placed on highest shelves and reached with a step stool when needed. Gather teas together in baskets and place with tea accoutrements. Same goes for spices. Now, when it’s time for grocery shopping, you’ll be able to do a quick check on what you’re out of without having to do a lot of rummaging through shelves and drawers. Wouldn’t Martha Stewart be proud!

Your Home

Arizona may not pop into most people’s minds when they hear the words “fall foliage,” but our state is home to some of the most surprising and spectacular autumnal shows of color. Autumn in Arizona can truly be jaw-dropping—if you know where to look for the latest leaves. It’s time to lace up your boots, grab a light jacket, and head to the high country. First stop on your fall checklist are the area’s finest arboretums. The Arboretum at Flagstaff is a must for fall leaf-peepers. This 200-acre botanical garden is the place to see plenty of fall colors. It closes for the season on October 31st so be sure to visit before then. Those looking for late-season color should try the Boyce Thompson Arboretum, outside of Superior, about an hour’s drive east of Phoenix. In mid-November, the arboretum’s famous grove of Chinese pistachio trees begins to turn shades of gold, orange, and red, peaking around Thanksgiving weekend. The annual Fall Foliage Finale Festival, November 27th and 28th, offers live music and events daily (check http://cals.arizona.edu/ bta/ for updated information). Color continues at the Arboretum through December. Take that, Vermont! Our state’s National Forests provide the perfect backdrop for a fall flash of color. In the Coconino National Forest, look for golden aspens, amber oaks, and scarlet maples on the mountains, meadows, and canyons. Fall colors can begin as early as midSeptember and last through mid-November, with the best showing around the second week of October. Some foliage hot spots in mid-October are the San Francisco Peaks north of Flagstaff for golden aspen leaf color and the West Fork of Oak Creek Canyon north of Sedona. Flagstaff’s Snowbowl Ski Resort offers a breathtaking Skyride where you’ll ascend to over 13,000

feet in elevation with a plethora of colorful leaves as your serene scenery. Visit ArizonaSnowbowl.com for details. The Apache and Sitgreaves National Forests offer two million acres (that’s right, we said million!) of mountain country in east-central Arizona. Leaf colors fade in this area by the end of October, so get there early. And if you’re able to head a bit farther north, Kaibab National Forest offers ample leaf-viewing opportunities, as well. If you’re out viewing the weekend of Halloween, your best bet might be the central and southern Arizona mountain ranges (the Pinals near Globe and the Catalinas near Tucson) for maples turning gorgeous hues of red. Yavapai County in central Arizona is home to the Verde Canyon Railroad which offers their Fall Colors Tour October through November. Ride the rails in style while catching sight of the rich ambers, golds and copper hues blanketing the scenic Verde Canyon. Fall is also a time when the local wildlife is more active and visible to train passengers as well. Log onto VerdeCanyonRR.com to learn more. Of course, no reference of Arizona and fall foliage would be complete without mentioning the Grand Canyon. Autumn is the perfect time to visit the North Rim. Expect splendid color from the aspen, oak, and birch trees, with the glory of the revered Grand Canyon as your backdrop. Plan your trip well and remember the North Rim is about a seven-and-a-half-hour drive from Phoenix. For updated fall color reports, call the US Forest Service’s hotline at 800.354.4595. Don’t forget the camera and be careful driving among all the other leaf “lookie loos” on the mountain roads!

PHOTOGRAPHING NATURE’S GRANDEUR THIS FALL? TRY THESE TIPS TO GET THE PERFECT PICS. Shoot in the early morning or early evening. The bright light of midday can make photos look harsh. Even better: Plan to shoot the half hour before and after sunrise and sunset. You’ll have richer colors and deeper shadows to add interest to your photos. Get close. Zoom in on leaves to showcase extraordinary details. Go for contrast. Look for colors set against evergreens for photos that really pop. Hope for a storm. Shooting during or right after a storm can result in dramatic images. Wet leaves and wet surrounding surfaces tend to be more vibrant and intense. Compose, compose, compose. Try to set up your shot with something in the foreground, middle ground and background. Move around as you compose. Sometimes a few steps can make the difference between so-so and spectacular.

BRAISED BEEF SHORTRIBS Ingredients: 6 oz. olive oil 24 large, meaty beef short ribs, cut in half 6 small onions, peeled and chopped 6 carrots, peeled and chopped 6 celery stalks, chopped

Local Flavor!

Pumpkin and Chili Party Schnepf Farms, Thursdays – Sundays in October 480.987.3100 | SchnepfFarms.com Ahh – fall is finally here! Make the annual trek to this celebrationof-the-season part of your family’s tradition. Autumn-themed games and entertainment include hay rides, the 10-acre celebrity corn maze, live music, carnival rides, pony rides and of course, picking out that perfect pumpkin. Bring your appetite for tons of delectable seasonal treats.

Featuring Café ZuZu 480.421.7997 | HotelValleyHo.com

18 garlic cloves 30 fresh thyme sprigs 1 3/4 gal. brown veal stock 4 Italian parsley bunches 1 fresh bay leaf

Procedure: 1. Heat oven to 350 degrees. Heat the oil in a large pan over medium-high heat until it shimmers. Salt and pepper the ribs and cook them, in batches, until they are nicely browned on all sides, about 20 minutes. 2. Remove the ribs and add the onion, carrot, celery, garlic, sprigs of thyme, salt and pepper to the skillet. Continue cooking until the vegetables are tender and browned, about 10 minutes more. 3. Transfer the vegetables to roasting pans and evenly distribute the Italian parsley over the top. Add the short ribs and enough stock to come up the sides but not over the ribs. Bring the braising liquid to a simmer. Add the remaining thyme and bay leaf then transfer to the oven and cook at a very gentle simmer (just an occasional bubble) for 1 hour. Turn the ribs and continue cooking until the meat is tender and comes easily away from the bone, about 1 1/2 hours more. 4. Transfer the ribs to a sheet pan with parchment. Strain the braising liquid, bring to a simmer and skim off the fat. Reduce the liquid slightly (just so it has a little body), then return the ribs to the braising liquid. 5. Simmer just long enough to reheat the ribs, and then serve. Yields: 24


Event Calendar October 2010

Prokofiev’s Romeo and Juliet Symphony Hall, October 7th – 9th 602.495.1117 | PhoenixSymphony.org Marvel as The Phoenix Symphony magically brings two masterpieces to life during the Rediscovered Masters series featuring Romeo and Juliet and Hans Krasa’s Brundibar. Complementing the symphony during this series is The Phoenix Symphony’s Chorus as well as The Phoenix Boys Choir. Illustrator Maurice Sendak’s enchanting images from his most recently published children’s book will also accompany the performance. Jerry Seinfield Dodge Theatre, October 9th 602.379.2800 | LiveNation.com You still laugh along every night on syndicated TV, now don’t miss a rare opportunity to see this comical genius perform live during his North American tour. Seinfield has made his mark in pop-culture history with his unique and distinguishable brand of humor. Come see what’s new in “Jerry’s world.” Susan G. Komen Race for the Cure State Capital District, October 10th 602.544.2873 | 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. Disney’s Beauty and the Beast ASU Gammage, October 19th – 24th 480.965.5062 | ASUGammage.com This Academy-Award winning Disney hit is brought to life on stage in a captivating and delightful presentation. One of life’s best lessons is learned in the tale of a girl who dares to look past a man’s beastly exterior and love the true prince inside. Dazzle at the exquisite sets and costumes, and sing along to all your favorite musical numbers such as Be Our Guest and the self-titled number Beauty and the Beast. The 9th Annual First Press Weekend of Wine The Musical Instrument Museum, October 29th 480.774.8466 | FirstPressArizona.com Sip, mix and mingle at the spirited Grand Tasting featuring more than 100 celebrated wines. Watch local chefs enter culinary battle to claim the championship plate at the 4th annual Food Fight. Delight in mouth-watering culinary treats all while taking in the inspiring visuals of the Musical Instrument Museum. The MIM houses a collection of over 10,000 instruments from around the world, nearly 300 multisensory exhibits and a 299-seat MIM Music Theater.

TACKLING HOME ORGANIZATION TASKS With the dog days of summer behind us, now is the perfect time to tackle those jobs you’ve been putting off for months. Ahem, for example, have you looked in your closets lately? Here are some tips on organizing all those messy places, from harrowing hallway and linen closets to packed kitchen pantries and overstuffed garages. De-clutter those closets. First, it’s important to determine the purpose of the closet in question and eliminate any objects that don’t fall into that category. For example, a front hall closet should contain coats, hats, shoes, backpacks, umbrellas, and other “out-the-door” objects but not, say, toys, shopping bags, or other things that could spill out or don’t serve a purpose in that specific spot. Now it’s time to empty the closet and clean the floors and shelves. (The cleaner it is, the more likely you’ll be to keep it tidy!) Next, decide what items (if any) to toss and which to donate. Organize the remaining items into categories. For example, if you’re organizing your linen closet, sort out towels by color and size, then sort out sheets by which room or bed they belong. Sort through other items to determine if they should be in the closet or not. Before putting items back, mark the shelves with labels such as “guest towels” or “twin sheets” so you’ll be more likely to keep the closet organized when returning items from the laundry. Purchasing coordinating baskets or boxes of similar shapes and sizes to store smaller items will help to keep things tidy. Finally, consider if the closet needs some fine tuning: Do you need more shelving? Hooks to hang hard-to-find items? Would better lighting in the closet make you more inclined to keep things neat? Get the garage in tip-top shape. Garages are notorious for messes and chaos. From dirt and bugs to tools and lawn toys, this space can be, well, scary. Try taming the beast with these ideas: After sweeping and debugging the place, do a thorough sorting out (think three piles: trash, donate, and keep). Now, sort the keeps into categories: camping gear, kids’ toys, automotive care, tools, gardening, etc. Hang as much as you can (bikes and shovels and rakes) and find places for bigger items such as kid’s ride-on toys. Now, try to stash as much as you can into bins that can be marked clearly and stacked one on top of another on shelves for easy storage. Rotate what bins are most accessible by the season (keep pool supplies closest spring through summer and holiday decorations closer to the top in winter). Plan the perfect pantry. Whether you have a walk-in pantry or cabinets for your dry goods, an organized pantry makes shopping and cooking much easier. After discarding any old or nobody’s-ever-goingto-eat-this items, categorize your ingredients and place them accordingly in the pantry or in closets near to where they’ll be used. Keep pantry staples (oils, pasta, canned tomatoes and beans, etc.) at eye-level, lesser-used items lower or higher up. Think like with like. Group pastas and rices and grains together, canned and bottled soups and condiments on another shelf. Bulk items should be placed on highest shelves and reached with a step stool when needed. Gather teas together in baskets and place with tea accoutrements. Same goes for spices. Now, when it’s time for grocery shopping, you’ll be able to do a quick check on what you’re out of without having to do a lot of rummaging through shelves and drawers. Wouldn’t Martha Stewart be proud!

Your Home

Arizona may not pop into most people’s minds when they hear the words “fall foliage,” but our state is home to some of the most surprising and spectacular autumnal shows of color. Autumn in Arizona can truly be jaw-dropping—if you know where to look for the latest leaves. It’s time to lace up your boots, grab a light jacket, and head to the high country. First stop on your fall checklist are the area’s finest arboretums. The Arboretum at Flagstaff is a must for fall leaf-peepers. This 200-acre botanical garden is the place to see plenty of fall colors. It closes for the season on October 31st so be sure to visit before then. Those looking for late-season color should try the Boyce Thompson Arboretum, outside of Superior, about an hour’s drive east of Phoenix. In mid-November, the arboretum’s famous grove of Chinese pistachio trees begins to turn shades of gold, orange, and red, peaking around Thanksgiving weekend. The annual Fall Foliage Finale Festival, November 27th and 28th, offers live music and events daily (check http://cals.arizona.edu/ bta/ for updated information). Color continues at the Arboretum through December. Take that, Vermont! Our state’s National Forests provide the perfect backdrop for a fall flash of color. In the Coconino National Forest, look for golden aspens, amber oaks, and scarlet maples on the mountains, meadows, and canyons. Fall colors can begin as early as midSeptember and last through mid-November, with the best showing around the second week of October. Some foliage hot spots in mid-October are the San Francisco Peaks north of Flagstaff for golden aspen leaf color and the West Fork of Oak Creek Canyon north of Sedona. Flagstaff’s Snowbowl Ski Resort offers a breathtaking Skyride where you’ll ascend to over 13,000

feet in elevation with a plethora of colorful leaves as your serene scenery. Visit ArizonaSnowbowl.com for details. The Apache and Sitgreaves National Forests offer two million acres (that’s right, we said million!) of mountain country in east-central Arizona. Leaf colors fade in this area by the end of October, so get there early. And if you’re able to head a bit farther north, Kaibab National Forest offers ample leaf-viewing opportunities, as well. If you’re out viewing the weekend of Halloween, your best bet might be the central and southern Arizona mountain ranges (the Pinals near Globe and the Catalinas near Tucson) for maples turning gorgeous hues of red. Yavapai County in central Arizona is home to the Verde Canyon Railroad which offers their Fall Colors Tour October through November. Ride the rails in style while catching sight of the rich ambers, golds and copper hues blanketing the scenic Verde Canyon. Fall is also a time when the local wildlife is more active and visible to train passengers as well. Log onto VerdeCanyonRR.com to learn more. Of course, no reference of Arizona and fall foliage would be complete without mentioning the Grand Canyon. Autumn is the perfect time to visit the North Rim. Expect splendid color from the aspen, oak, and birch trees, with the glory of the revered Grand Canyon as your backdrop. Plan your trip well and remember the North Rim is about a seven-and-a-half-hour drive from Phoenix. For updated fall color reports, call the US Forest Service’s hotline at 800.354.4595. Don’t forget the camera and be careful driving among all the other leaf “lookie loos” on the mountain roads!

PHOTOGRAPHING NATURE’S GRANDEUR THIS FALL? TRY THESE TIPS TO GET THE PERFECT PICS. Shoot in the early morning or early evening. The bright light of midday can make photos look harsh. Even better: Plan to shoot the half hour before and after sunrise and sunset. You’ll have richer colors and deeper shadows to add interest to your photos. Get close. Zoom in on leaves to showcase extraordinary details. Go for contrast. Look for colors set against evergreens for photos that really pop. Hope for a storm. Shooting during or right after a storm can result in dramatic images. Wet leaves and wet surrounding surfaces tend to be more vibrant and intense. Compose, compose, compose. Try to set up your shot with something in the foreground, middle ground and background. Move around as you compose. Sometimes a few steps can make the difference between so-so and spectacular.

BRAISED BEEF SHORTRIBS Ingredients: 6 oz. olive oil 24 large, meaty beef short ribs, cut in half 6 small onions, peeled and chopped 6 carrots, peeled and chopped 6 celery stalks, chopped

Local Flavor!

Pumpkin and Chili Party Schnepf Farms, Thursdays – Sundays in October 480.987.3100 | SchnepfFarms.com Ahh – fall is finally here! Make the annual trek to this celebrationof-the-season part of your family’s tradition. Autumn-themed games and entertainment include hay rides, the 10-acre celebrity corn maze, live music, carnival rides, pony rides and of course, picking out that perfect pumpkin. Bring your appetite for tons of delectable seasonal treats.

Featuring Café ZuZu 480.421.7997 | HotelValleyHo.com

18 garlic cloves 30 fresh thyme sprigs 1 3/4 gal. brown veal stock 4 Italian parsley bunches 1 fresh bay leaf

Procedure: 1. Heat oven to 350 degrees. Heat the oil in a large pan over medium-high heat until it shimmers. Salt and pepper the ribs and cook them, in batches, until they are nicely browned on all sides, about 20 minutes. 2. Remove the ribs and add the onion, carrot, celery, garlic, sprigs of thyme, salt and pepper to the skillet. Continue cooking until the vegetables are tender and browned, about 10 minutes more. 3. Transfer the vegetables to roasting pans and evenly distribute the Italian parsley over the top. Add the short ribs and enough stock to come up the sides but not over the ribs. Bring the braising liquid to a simmer. Add the remaining thyme and bay leaf then transfer to the oven and cook at a very gentle simmer (just an occasional bubble) for 1 hour. Turn the ribs and continue cooking until the meat is tender and comes easily away from the bone, about 1 1/2 hours more. 4. Transfer the ribs to a sheet pan with parchment. Strain the braising liquid, bring to a simmer and skim off the fat. Reduce the liquid slightly (just so it has a little body), then return the ribs to the braising liquid. 5. Simmer just long enough to reheat the ribs, and then serve. Yields: 24


Brady Holland

Arizona Homeowner October | 2010

Mortgage Planner

Real estate financing can be a daunting task. And that is especially true in today’s world where lenders are more cautious about lending due to economic uncertainty. I understand that choosing a mortgage is one the biggest decisions that you will make. You want the best interest rate and you want the pre-approval, application, and close of escrow process to be hassle-free. I understand. I listen to your needs. And I respond quickly and deliver. Let me put my nearly two decades of residential lending experience to work for you! • The needs of every client are different. I specialize in tailoring a loan and financing strategy that will best fit the individual needs of each client. • Have you ever closed on a mortgage and later had remorse that you may have picked the wrong loan program or paid too much in fees? I offer a benefit analysis on every loan to ensure that the loan program and the associated costs are the best fit and in the best interest of the client. • I use the latest lending technology to deliver a loan credit decision in hours, not days. • Closing thousands of loans over the course of my career assures you that as an industry veteran I have the knowledge and expertise to handle every situation. • My impeccable reputation is my best asset. I always strive to exceed your expectations and earn your business for life!

Call me today!

MORTGAGE RATES as of 9/16/10

Loan Rates for $150K-$417K: • 30-Year Fixed: 4.375%/4.556% APR • 15-Year Fixed: 3.875%/4.189% APR • 5/1 ARM: 3.375%/3.588% APR

Loan Rates for $418K-$1.5M: • 30-Year Fixed: 5.125%/5.250% APR • 5/1 ARM: 3.750%/4.026% APR • 7/1 ARM: 4.000%/4.235% APR *Note: All rate quotes offered at 1% origination fee for primary home purchase or no cash-out refinance financing with 720+ FICO score. Loans under $417K are quoted based on 20% equity while loans over $417K require 20%-30% equity. Other financing options are available upon request.

Brady Holland

Mortgage Planner NMLS ID 180079

Mobile: 480.272.3282 bradyh@ihlending.com www.imortgage.com/Brady.Holland

AZBK 0903725

A Guide to Viewing Fall Foliage

MARKET WATCH UPDATE

In real estate news, record low mortgage rates have surprisingly not improved home buying demand in the last couple of months. But when you really think about it maybe it is not that surprising. You may recall that there was a government tax credit for homebuyers that expired at the end of June. It was such an attractive incentive that it created a huge bubble of housing demand. Similar to what happened to the auto industry after the expiration of the “Cash for Clunkers” program, there is a predictable hang-over effect where a lot of would-be buyers already rushed in earlier this year to buy and get the tax credit. The homebuyer tax credit program actually created bidding wars as buyers tried to secure home sales contracts before the tax credit expiration. And as a result, home prices were getting bid up during that period. But now we are having slack housing demand so new buyers entering the market are in a position to get homes at discounted prices. And with interest rates at a record low, now is the time to buy! In the lending world we have actually seen some recent easing of down payment requirements. And that is a good sign. For clients with high credit scores, the 10% down conventional loan program has been revised to 5% minimum down payment. And we still also have 3.5% down payment FHA loans in addition to 0% down VA and USDA loans.

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

your home

Inspirations for Getting Organized

comfort food with a contemporary twist

Café ZuZu’s Short Ribs


AZHO Holland Oct. 10