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Brady Holland

Arizona Homeowner May | June 2012

Senior Mortgage Banker 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!

Need a Mortgage 911? ARE YOU “UPSIDE-DOWN” ON YOUR HOME BUT WOULD LIKE TO REFINANCE OUT OF YOUR 5%-6% (OR MORE!) RANGE INTO TODAY’S LOW 4% FIXED RATES? HOLD ONTO YOUR HATS, THIS IS HUGE NEWS AND EXACTLY WHAT YOU’VE BEEN WAITING FOR…

We can now refinance most loans without ANY restrictions regarding the amount a property is upside-down! If you have NO EQUITY, it doesn’t matter! With mortgage rates at record lows, there are tremendous savings opportunities for almost everyone. CALL OR EMAIL ME RIGHT AWAY!

Local Culinary Delights

I’ll help determine your eligibility and tell you:

· How much money a refinance will save you every month! · How you’ll even get to skip a month’s mortgage payment as part of your refinance package!

MORTGAGE RATES Brady Holland

Senior Mortgage Banker NMLS 180079

Office: 480.278.8993 Cell: 480.272.3282 E-Fax: 480.223.4290 BHolland@VIPMtgInc.com

As of 2/22/12

Loan Rates for $150K-$417K: • 30-Year Fixed: 4.375%/4.484% APR • 15-Year Fixed: 3.625%/3.807% APR • 5/1 ARM: 3.625%/3.727% APR

Loan Rates for $418K-$1.5M: • 30-Year Fixed: 5.000%/5.055% APR • 5/1 ARM: 4.375%/3.535% APR • 7/1 ARM: 5.000%/4.008% APR

*Note: All rate quotes offered at 0% points 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. NMLS 145502 AZ BK#0909074

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

traveling this summer? Keep Your Home Safe & Sound

a twist on an american classic Relish Burger Bistro’s Crab Sliders


Event Calendar May| June 2012 Friday Night Franks Fort McDowell Adventures, May 11th, 18th, 25th 480.816.6465 | FortMcDowellAdventures.com When’s the last time you experienced a cowboy-style cookout in the desert? Bring your sweetie or your whole family for live entertainment, horseshoes, wagon rides and of course a good old-fashioned wiener roast. Finish your night with s’mores and some stargazing!

Arizona Diamondbacks vs. LA Dodgers Chase Field, May 21st – 23rd 602.462.6500 | Dbacks.com Take me out to the ballgame! Can you think of a more pleasant way to spend your time than at this threegame home stand against the Dodgers? Don’t forget to bring your glove to score yourself a foul ball and be sure to indulge in timeless ballpark fare of peanuts and Cracker Jacks! Million Dollar Quartet Gammage Auditorium, June 5th – 10th 480.965.3434 | ASUGammage.com On December 4, 1956, rock ‘n’ roll icons Elvis Presley, Johnny Cash, Jerry Lee Lewis and Carl Perkins were gathered together by Sam Phillips, the “Father of Rock ’n’ Roll” at Sun Records in Memphis for what would be one of the greatest jam sessions of all time. Million Dollar Quartet brings that legendary night to life with an irresistible tale of broken promises, secrets, betrayal and celebrations featuring timeless hits. Music in the Garden Desert Botanical Garden, June 8th 480.481.8188 | DBG.org After receiving multiple standing ovations in their performance honoring The Beatles, Crossing 32nd Street Music Ensemble returns to Desert Botanical Garden to perform A Musical Tribute to The Who. This tribute to one of rock music’s most influential and controversial bands includes classic Who hits including My Generation, I Can See for Miles, Baba O’Riley, Behind Blue Eyes and much more.

Need another reason to love Arizona? In addition to stunning landscapes, beautiful cities that truly are jewels in the desert, and enviable year-round climate; add delicious local delights to your list. Here, we showcase just a handful of the foodstuffs created right here that are all another point-of-pride in Arizona. The Queen Creek Olive Mill QueenCreekOliveMill.com | 480.888.9290 At the base of the San Tan Mountains in Queen Creek’s storied farm community the Queen Creek Olive Mill is Arizona’s only working olive farm and mill. The grove is home to over 16 different varieties of olives. Their signature product is the boutique hand-crafted extra virgin olive oil that uses nine varieties of olives. Groves that are pesticide free and a refined production protocol are part of what make Queen Creek Olive Mill’s products so desirable. The mill has also created a fantastic experience for visitors with tastings, tours, festivals and special events, a gourmet marketplace and an on-site Mediterranean cafe.

With the upcoming summer months, many of us will be vacationing. This year, take some extra time to secure your home while you’re away. • Unplug appliances that won’t be used. Not only will you reduce the risk of dangerous malfunctions while you’re away, unplugging appliances that aren’t even turned on will save you money on your energy bill. • Double-check that the oven and range aren’t turned on. • If you have a gas fireplace, range or BBQ, it may be prudent to turn off the pilot lights if you’ll be gone for an extended period. • Clean out the refrigerator of any food that may spoil and turn your automatic ice-maker to the “off” position. • Turn your hot water heater down or to “vacation” mode. • Make sure all faucets are off and that no toilets are running. If possible, turn the water main off completely. If pipes leak or burst for any reason, the water damage will be minimal as opposed to catastrophic. • Adjust the thermostat to save on energy bills. • Close the flue in fireplaces. • Dispose of all garbage from inside the home and make arrangements for a friend or neighbor to take your trash cans out and back in on pick-up days. • Run the garbage disposal one last time to avoid any unpleasant “surprises” upon your return. • Check your calendar and change or cancel any scheduled deliveries. • Stop your newspaper delivery and put a hold request on your mail. • Delete old messages from your voicemail so there is room for new ones. • Check your irrigation system in the yard. Is the timer set appropriately? Are there any underground water leaks or sprinkler problems? Better to address them now. • Arrange to have someone water your indoor plants and mow your yard. Just as you may be anticipating your travels, so might the local thieves! So take some precautions to keep criminal minds at bay: • Of course, lock and secure all entry points to the home. Don’t forget to lock the door from the garage into your home. Also, if you have a garage door opener, lock the actual garage door itself or disable the opener. • Secure sliding glass doors with a metal rod. • Attach timers to lamps and to your TV or radio. Set it for the hours you typically watch TV. • Adjust blinds, shades and curtains. However, if you normally have them open, completely shutting them down tends to alert a thief that you have shuttered up the home in your absence. • If you are leaving a car behind, be sure it is locked as well. Even if it’s in the garage. • Never leave a message on your voicemail noting that you are out of town. That applies to your work voicemail too! • Be smart and only discuss and show your proud vacation photos on facebook, AFTER you’ve returned from out of town. • Don’t discuss your vacation in public. And don’t leave a “vacation mail stop” to be picked up from your mailbox – deliver it to a postal carrier yourself. • If possible, ask a neighbor if they wouldn’t mind parking in your driveway every now and then, particularly at night. • If you don’t have a pool service company to care for your pool, make arrangements for somebody to make a special trip to your home in the event of a storm. Too much debris from fallen trees, etc. can clog up your pool’s cleaning elements and leave you with a broken pool pump and a big problem when you come home.

Your Home

Goldwater’s Foods of Arizona Goldwaters.com | 866.779.7241 Founded over 20 years ago by the late former Senator Barry Goldwater’s daughters and granddaughter, this local company has made its mark with gourmet salsas, dips and other food products coveted and enjoyed all over the world. A collection of Goldwater family recipes has been captured in their line of traditional salsas – including

(or all!) of their 12 flavors: Original, Caramel, Chocolate Chip, Cream Cheese, Espresso Nib, Mint Chocolate, Peanut Butter, Pecan, Raspberry Swirl, Toffee Crunch, Walnut and White Chocolate.

Sedona Red, deemed “excellent” by The New York Times. Also known for their award-winning fruit salsas such as Paradise Pineapple and Mohave Mango, Goldwater’s continues to innovate the food industry by developing the standard for perfection in southwest flavor. Products are available for purchase on the website, or also in retail outlets AJ’s Fine Foods, Bashas’ and now select Sprouts locations. Fairytale Brownies Brownies.com | 602.489.5100 Founded in 1992 by two childhood friends, Fairytale Brownies began in a friend’s catering kitchen using a 55-year-old secret family brownie recipe. The duo now oversees their gourmet brownie business in a 26,000-square-foot facility where they bake over 3 million brownies and cookies annually. Fairytale Brownies are baked from scratch using fine ingredients such as imported Callebaut Belgian dark chocolate, premium grade AA butter and farm-fresh eggs. Try any

The Green Valley Pecan Company GreenValleyPecan.com | 520.791.2062 Family owned and operated since 1948, this grower operates over 5000 acres of orchards and an on-site processing and storage facility in Sahuarita, Arizona, just 15 miles south of Tucson. The Sonoran Desert climate is ideally suited for growing pecans and the on-site production allows Green Valley Pecan Company to control every aspect of their pecan productions – from orchard operations to packaging – ensuring a consistently high-quality end product that their customers have come to expect. Callaghan Vineyards CallaghanVineyards.com | 520.455.5322 You may have heard that some of Southern Arizona’s vineyards are getting a lot of press and a newfound respect by wine reviewers. One such vineyard is Callaghan, just one hour south of Tucson. Located in the rolling oak-dotted hills of Elgin at an elevation of 4800 feet, Callaghan produces a variety of whites and reds from its 25-acre vineyard. Mediterranean and Spanish varietals – Tempranillo, Mourvedre, Petit Verdot, Petit Sirah and Grenach – are the building blocks for the red blends and Viognier and Riesling are blended for their estate white wine. A visit to the winery is a pleasure, as are the wine tastings themselves.

CRAB CAKE SLIDERS WITH CHIPOTLE SLAW & AVOCADO For this recipe you will also need: Mini slider buns (Kings Hawaiian Mini Rolls work well) Approximately 20 large cocktail toothpicks • 1 package grape tomatoes

Local Flavor!

Arizona BBQ Festival Salt River Fields, May 19th – 20th AZBBQFestival.com If you love to eat, this foodie fest is a must-do. Teams of BBQ competitors will tempt your taste buds while live music, a cooking demo stage, kids’ zone and Whiskey Row – a tent where signature whiskey cocktails are crafted for your pleasure – all vie for your attention.

DELICIOUS DELIGHTS MADE RIGHT HERE IN ARIZONA

CHIPOTLE MAYONNAISE: 1 cup mayonnaise • 2 Tbs. chipotle puree (blended chipotle in adobo) Combine ingredients. CHIPOTLE SLAW: 1 bag shredded green cabbage (about 5 cups) • 1/2 cup chipotle mayonnaise (recipe above) Combine and add salt and pepper to taste. AVOCADO PUREE: 1 avocado (skin and pit removed) • 1 Tbs. lime juice In a bowl, mash avocado and lime juice together with a fork. CRAB SLIDERS: 1 pound jumbo lump crab meat 1 egg 3/4 cup regular mayonnaise 1 tsp. Old Bay seasoning

Featuring Relish Burger Bistro at The Phoenician 480.423.2530 | ThePhoenician.com

1 tsp. Dijon mustard 2 Tbs. chopped cilantro 1 3/4 cup Panko bread crumbs

Mix all ingredients together and portion into 2 oz. patties. In a pan, add 1 Tbs. canola oil and pan fry on medium-high heat for 3 minutes; turn over and pan fry for another 3 minutes. On bottom half of buns, spread chipotle mayonnaise thinly; place cooked crab sliders on top. Place 1 Tbs. chipotle slaw on top of each slider. On top half of buns, spread avocado puree thinly; place top half of buns onto sliders. Using cocktail picks, skewer 1 grape tomato per pick and place vertically through center of each slider. Yield: 18 sliders.


Event Calendar May| June 2012 Friday Night Franks Fort McDowell Adventures, May 11th, 18th, 25th 480.816.6465 | FortMcDowellAdventures.com When’s the last time you experienced a cowboy-style cookout in the desert? Bring your sweetie or your whole family for live entertainment, horseshoes, wagon rides and of course a good old-fashioned wiener roast. Finish your night with s’mores and some stargazing!

Arizona Diamondbacks vs. LA Dodgers Chase Field, May 21st – 23rd 602.462.6500 | Dbacks.com Take me out to the ballgame! Can you think of a more pleasant way to spend your time than at this threegame home stand against the Dodgers? Don’t forget to bring your glove to score yourself a foul ball and be sure to indulge in timeless ballpark fare of peanuts and Cracker Jacks! Million Dollar Quartet Gammage Auditorium, June 5th – 10th 480.965.3434 | ASUGammage.com On December 4, 1956, rock ‘n’ roll icons Elvis Presley, Johnny Cash, Jerry Lee Lewis and Carl Perkins were gathered together by Sam Phillips, the “Father of Rock ’n’ Roll” at Sun Records in Memphis for what would be one of the greatest jam sessions of all time. Million Dollar Quartet brings that legendary night to life with an irresistible tale of broken promises, secrets, betrayal and celebrations featuring timeless hits. Music in the Garden Desert Botanical Garden, June 8th 480.481.8188 | DBG.org After receiving multiple standing ovations in their performance honoring The Beatles, Crossing 32nd Street Music Ensemble returns to Desert Botanical Garden to perform A Musical Tribute to The Who. This tribute to one of rock music’s most influential and controversial bands includes classic Who hits including My Generation, I Can See for Miles, Baba O’Riley, Behind Blue Eyes and much more.

Need another reason to love Arizona? In addition to stunning landscapes, beautiful cities that truly are jewels in the desert, and enviable year-round climate; add delicious local delights to your list. Here, we showcase just a handful of the foodstuffs created right here that are all another point-of-pride in Arizona. The Queen Creek Olive Mill QueenCreekOliveMill.com | 480.888.9290 At the base of the San Tan Mountains in Queen Creek’s storied farm community the Queen Creek Olive Mill is Arizona’s only working olive farm and mill. The grove is home to over 16 different varieties of olives. Their signature product is the boutique hand-crafted extra virgin olive oil that uses nine varieties of olives. Groves that are pesticide free and a refined production protocol are part of what make Queen Creek Olive Mill’s products so desirable. The mill has also created a fantastic experience for visitors with tastings, tours, festivals and special events, a gourmet marketplace and an on-site Mediterranean cafe.

With the upcoming summer months, many of us will be vacationing. This year, take some extra time to secure your home while you’re away. • Unplug appliances that won’t be used. Not only will you reduce the risk of dangerous malfunctions while you’re away, unplugging appliances that aren’t even turned on will save you money on your energy bill. • Double-check that the oven and range aren’t turned on. • If you have a gas fireplace, range or BBQ, it may be prudent to turn off the pilot lights if you’ll be gone for an extended period. • Clean out the refrigerator of any food that may spoil and turn your automatic ice-maker to the “off” position. • Turn your hot water heater down or to “vacation” mode. • Make sure all faucets are off and that no toilets are running. If possible, turn the water main off completely. If pipes leak or burst for any reason, the water damage will be minimal as opposed to catastrophic. • Adjust the thermostat to save on energy bills. • Close the flue in fireplaces. • Dispose of all garbage from inside the home and make arrangements for a friend or neighbor to take your trash cans out and back in on pick-up days. • Run the garbage disposal one last time to avoid any unpleasant “surprises” upon your return. • Check your calendar and change or cancel any scheduled deliveries. • Stop your newspaper delivery and put a hold request on your mail. • Delete old messages from your voicemail so there is room for new ones. • Check your irrigation system in the yard. Is the timer set appropriately? Are there any underground water leaks or sprinkler problems? Better to address them now. • Arrange to have someone water your indoor plants and mow your yard. Just as you may be anticipating your travels, so might the local thieves! So take some precautions to keep criminal minds at bay: • Of course, lock and secure all entry points to the home. Don’t forget to lock the door from the garage into your home. Also, if you have a garage door opener, lock the actual garage door itself or disable the opener. • Secure sliding glass doors with a metal rod. • Attach timers to lamps and to your TV or radio. Set it for the hours you typically watch TV. • Adjust blinds, shades and curtains. However, if you normally have them open, completely shutting them down tends to alert a thief that you have shuttered up the home in your absence. • If you are leaving a car behind, be sure it is locked as well. Even if it’s in the garage. • Never leave a message on your voicemail noting that you are out of town. That applies to your work voicemail too! • Be smart and only discuss and show your proud vacation photos on facebook, AFTER you’ve returned from out of town. • Don’t discuss your vacation in public. And don’t leave a “vacation mail stop” to be picked up from your mailbox – deliver it to a postal carrier yourself. • If possible, ask a neighbor if they wouldn’t mind parking in your driveway every now and then, particularly at night. • If you don’t have a pool service company to care for your pool, make arrangements for somebody to make a special trip to your home in the event of a storm. Too much debris from fallen trees, etc. can clog up your pool’s cleaning elements and leave you with a broken pool pump and a big problem when you come home.

Your Home

Goldwater’s Foods of Arizona Goldwaters.com | 866.779.7241 Founded over 20 years ago by the late former Senator Barry Goldwater’s daughters and granddaughter, this local company has made its mark with gourmet salsas, dips and other food products coveted and enjoyed all over the world. A collection of Goldwater family recipes has been captured in their line of traditional salsas – including

(or all!) of their 12 flavors: Original, Caramel, Chocolate Chip, Cream Cheese, Espresso Nib, Mint Chocolate, Peanut Butter, Pecan, Raspberry Swirl, Toffee Crunch, Walnut and White Chocolate.

Sedona Red, deemed “excellent” by The New York Times. Also known for their award-winning fruit salsas such as Paradise Pineapple and Mohave Mango, Goldwater’s continues to innovate the food industry by developing the standard for perfection in southwest flavor. Products are available for purchase on the website, or also in retail outlets AJ’s Fine Foods, Bashas’ and now select Sprouts locations. Fairytale Brownies Brownies.com | 602.489.5100 Founded in 1992 by two childhood friends, Fairytale Brownies began in a friend’s catering kitchen using a 55-year-old secret family brownie recipe. The duo now oversees their gourmet brownie business in a 26,000-square-foot facility where they bake over 3 million brownies and cookies annually. Fairytale Brownies are baked from scratch using fine ingredients such as imported Callebaut Belgian dark chocolate, premium grade AA butter and farm-fresh eggs. Try any

The Green Valley Pecan Company GreenValleyPecan.com | 520.791.2062 Family owned and operated since 1948, this grower operates over 5000 acres of orchards and an on-site processing and storage facility in Sahuarita, Arizona, just 15 miles south of Tucson. The Sonoran Desert climate is ideally suited for growing pecans and the on-site production allows Green Valley Pecan Company to control every aspect of their pecan productions – from orchard operations to packaging – ensuring a consistently high-quality end product that their customers have come to expect. Callaghan Vineyards CallaghanVineyards.com | 520.455.5322 You may have heard that some of Southern Arizona’s vineyards are getting a lot of press and a newfound respect by wine reviewers. One such vineyard is Callaghan, just one hour south of Tucson. Located in the rolling oak-dotted hills of Elgin at an elevation of 4800 feet, Callaghan produces a variety of whites and reds from its 25-acre vineyard. Mediterranean and Spanish varietals – Tempranillo, Mourvedre, Petit Verdot, Petit Sirah and Grenach – are the building blocks for the red blends and Viognier and Riesling are blended for their estate white wine. A visit to the winery is a pleasure, as are the wine tastings themselves.

CRAB CAKE SLIDERS WITH CHIPOTLE SLAW & AVOCADO For this recipe you will also need: Mini slider buns (Kings Hawaiian Mini Rolls work well) Approximately 20 large cocktail toothpicks • 1 package grape tomatoes

Local Flavor!

Arizona BBQ Festival Salt River Fields, May 19th – 20th AZBBQFestival.com If you love to eat, this foodie fest is a must-do. Teams of BBQ competitors will tempt your taste buds while live music, a cooking demo stage, kids’ zone and Whiskey Row – a tent where signature whiskey cocktails are crafted for your pleasure – all vie for your attention.

DELICIOUS DELIGHTS MADE RIGHT HERE IN ARIZONA

CHIPOTLE MAYONNAISE: 1 cup mayonnaise • 2 Tbs. chipotle puree (blended chipotle in adobo) Combine ingredients. CHIPOTLE SLAW: 1 bag shredded green cabbage (about 5 cups) • 1/2 cup chipotle mayonnaise (recipe above) Combine and add salt and pepper to taste. AVOCADO PUREE: 1 avocado (skin and pit removed) • 1 Tbs. lime juice In a bowl, mash avocado and lime juice together with a fork. CRAB SLIDERS: 1 pound jumbo lump crab meat 1 egg 3/4 cup regular mayonnaise 1 tsp. Old Bay seasoning

Featuring Relish Burger Bistro at The Phoenician 480.423.2530 | ThePhoenician.com

1 tsp. Dijon mustard 2 Tbs. chopped cilantro 1 3/4 cup Panko bread crumbs

Mix all ingredients together and portion into 2 oz. patties. In a pan, add 1 Tbs. canola oil and pan fry on medium-high heat for 3 minutes; turn over and pan fry for another 3 minutes. On bottom half of buns, spread chipotle mayonnaise thinly; place cooked crab sliders on top. Place 1 Tbs. chipotle slaw on top of each slider. On top half of buns, spread avocado puree thinly; place top half of buns onto sliders. Using cocktail picks, skewer 1 grape tomato per pick and place vertically through center of each slider. Yield: 18 sliders.


Charles Martin Your Valley Real Estate Specialist

Charles.Martin@PruAZ.com A proud Valley resident since 2001, Charles has set his focus on becoming the preferred Real Estate agent for the Northeast Valley. • Charles has been a Realtor for over thirteen years. By continually honing his knowledge and skills, he truly stands out over his competition. • With his extensive Real Estate experience working with both buyers and sellers, Charles has demonstrated his level of service by successfully negotiating price terms

Charles Martin REALTOR

480.703.3493

and conditions of each transaction to help his clients get the best possible value. • Charles excels in many levels. Count on him to properly price, market and sell your home. • Buying? Put yourself in his capable hands in finding and successfully negotiating your next purchase. Charles really appreciates the unique aspects of living in the Valley, its lively residents, and its almost magical appeal to potential buyers interested in this desirable community. It truly is like no other place. Professionally, Charles is affiliated with Prudential Arizona Properties and is a member of the Fine Homes International marketing plan. He looks forward to hearing from you today!

“And as always, thank you all for your referrals!”

If your home is currently listed, this is not a solicitation for that listing.

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

Arizona Homeowner presented by Charles Martin  

Real estate and lifestyle content for Scottsdale, AZ

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