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Brady Holland

Arizona Homeowner September | October 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!

Underwater On Your Mortgage But Want To Refinance?

NOW YOU CAN! IF YOU’D LIKE TO REFINANCE OUT OR YOUR 5%-6% (OR MORE!) RATE INTO TODAY’S LOW, LOW 4% (OR EVEN LESS!) FIXED RATES, GIVE ME A CALL.

Get Your Cowboy Fix

Best Places to Experience the West

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! 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

Direct: 480.272.3282 Brady@BradyHollandGroup.com

As of 4/23/12

Loan Rates for $150K-$417K: • 30-Year Fixed: 4.000%/4.148% APR • 15-Year Fixed: 3.375%/3.570% APR • 5/1 ARM: 3.250%/3.385% 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

is your home lacking curb appeal?

Driveway Improvements That Will Do The Trick

upgrade your campfire cookout Spotted Donkey Cantina’s Boracho Beans


Event Calendar

September| October 2012 Gentlemen’s Lunch Westin Kierland Resort & Spa, Sept. 21st 602.263.3589 | WomenOfScottsdale.org The Women of Scottsdale networking group invites you to their annual Gentlemen’s Lunch. The organization endeavors to promote professional women who desire to be successful and connect with the community. Members and guests are encouraged to bring a gentleman who loves, inspires or supports them.

Dine Out with the Chefs Scottsdale Center for the Performing Arts, Oct. 7th 480.499.8587 | ScottsdalePerformingArts.org Guests will mingle with some of the Valley’s top culinary masters as they sample signature dishes – all from appetizers and entrees, to decadent desserts. Live entertainment, cooking demos, book signings and wine tastings round out the festive evening. Tour de Paradise Moon Valley Park, Oct. 20th 602.274.5022 | TourDeParadise.org This fundraiser for the Duet foundation – which helps homebound seniors and disabled individuals with such things as getting groceries, rides to the doctor, etc. – has three different bike routes to choose from. Challenge yourself with the 62-mile ride, take the intermediate 30-mile ride or the easier 8-mile fun ride appropriate for all members of the family. Kokopelli Krush Kokopelli Winery & Bistro, Oct. 26th 480.792.6927 | KokopelliWinery.net Kokopelli Krush has been selected as the About.com 2012 Readers’ Choice Award for Best Food/Wine/Beer Festival in the Greater Phoenix area. Teams of two can compete in the grape stomping “krush kompetition”! The tasty event also includes wine samplings, live entertainment and a kid’s zone. Santé!

BY UPGRADING YOUR DRIVEWAY! If you’re interested in boosting your home’s appeal, look no further than your lowly, old driveway. As one of your home’s often-overlooked focal points, the driveway can make or break the entire look of your property. Below are some ideas to give some pizzazz to your home’s entrance simply by improving your driveway.

RANCHO DE LOS CABALLEROS WICKENBURG, AZ 800.684.5030 | RANCHODELOSCABALLEROS.COM Since opening in 1948, this historic guest ranch and resort continues to honor the grand tradition of the Spanish caballeros, the “gentlemen on horseback,” who explored and settled the Southwest. Set among 20,000 acres of pristine Sonoran Desert, the ranch offers comfortable casitas outfitted with vintage handcrafted furnishings and décor that reflects Old West charm. Your experience wouldn’t be complete without horseback riding, but the ranch offers many other activities such as nature hikes, golf, ATV tours, trap & skeet, hayrides, desert cookouts, scenic jeep tours, hot air balloon rides and even a full-service spa. One of their most popular events is their

Restore or Improve Your Current Concrete

If tearing out and completely redoing your driveway is not in the budget, consider the big impact that a little restoration can make. Power washing your concrete can remove unsightly oil stains and tire marks, bringing a fresh, clean appearance back to your home. You may also consider a concrete coating, such as an epoxy or polyurethane product. Lastly, your driveway may have never been sealed before. After you’ve cleaned it up, a sealant can help it maintain its look and protect it from future stains.

Colored Concrete

Do away with your boring, standard gray driveway. Chemical staining involves special chemicals that react with the concrete to etch and bond color onto the surface. This process can be used on your existing driveway. Or, color can be added to a ready-mix concrete to provide a beautiful tint throughout the slab when poured. Because the pigment can fade with time and the elements, be sure to apply a sealant as well.

Stamped Concrete

Often referred to as patterned concrete, this process involves imprinting patterns in freshly poured concrete. It’s designed to resemble brick, tile, stone or slate and can be colored to blend with other architectural elements of your residence. Complex designs can easily be achieved and this process tends to be an economical option vs. more expensive materials such as stone and brick.

Exposed Aggregate

For that upscale, “pebbly” look, choose an exposed aggregate surface. Rocks or pebbles are seeded into the freshly poured concrete or actually blended into the ready-mix and then exposed by sandblasting the concrete surface after it’s been poured. There are a variety of looks and designs available depending on the shape, size and color of rock, and the degree of aggregate exposure. Sealing the surface with a clear acrylic resin brings out the natural color of the rock and insures a long-lasting finish.

Pavers and Cobblestones

A very popular option in Arizona, pavers create a distinct and high-end look. Driveways may be paved with mortared pavers which create a hardened surface, or they may be placed with a sand mixture between the pavers making the driveway more flexible and easier to maintain. Pavers are hand-laid and can be set in an abundance of patterns and arrangements. Cobblestone can give many homes an elegant, Old-World feel and can be laid in designs with grass (real or artificial) peeking up in between the stones. There are even reclaimed, antique cobblestones available to add a special allure. Choose cobblestones from the historic streets of Chicago or well-worn granite stones used in European cities hundreds of years ago. When it comes to improving your driveway, your options are many. From the process and materials you use, to the multitude of accents and designs that can be achieved. You can incorporate a style that complements the rest of your home and even make appropriate improvements to your walkways and front entry as well.

Your Home

Local Flavor!

Arizona Honey Festival El Pedregal at The Boulders, Sept. 29th – 30th 480.595.3508 | ElPedregal.com This first annual event is a new take on foodie fests – all about honey! Enjoy live bluegrass music while tasting Arizona honey delights, cooking with honey seminars, enjoying honey-inspired spa treatments, sipping honey cocktails, and browsing bee-inspired merchandise and crafts. Don’t miss the five-course gourmet “honey” dinner with wines paired by Benziger Winery. You’ll be buzzing about it to all your friends!

It’s funny. When people around the country envision living in Arizona, they often imagine we all wear cowboy hats, have a gun rack in our truck and spend our weekends in the saddle moseying about the sun-parched desert. Of course we know that most of us living in the Metro Phoenix area are more likely to be frequenting Nordstrom and Starbucks, than living the Old West lifestyle. However…that doesn’t mean that we can’t escape to a little Western-style diversion. In fact, doesn’t the Spirit of the Old West appeal to you every now and then? Riding horseback through the untamed and rugged desert landscapes, quenching your thirst at a dusty saloon, sharpening your skeet-shooting skills and cooking out under a twinkling, star-filled night…maybe your inner cowboy is calling to you after all. There’s an adventure waiting with your name on it…. Giddy-Up Gals! Getaway weekends. Cowgirl fun for ladies only, it’s the perfect way to bond with the girls through unlimited riding, team penning and nightly entertainment. TANQUE VERDE RANCH TUCSON, AZ 800.234.3833 | TANQUEVERDERANCH.COM Here guests immerse themselves in the magic and nostalgia of days gone by – all with a touch of luxury thrown in. This all-inclusive ranch resort offers a variety of lodging options as well as specialty dining events such as the mountaintop Old Homestead Breakfast Ride, Mexican Fiesta Night and the spirited Cottonwood Grove BBQ with live cowboy entertainment. Horses are the “mane” attraction here, with leisurely walk-rides, to fast-paced lope-rides to suit every skill level. Add in guided mountain biking,

fishing, tennis, two swimming pools, a spa, a nature center and watercolor painting and you have an experience your family will never forget. ARIZONA COWBOY COLLEGE SCOTTSDALE, AZ 480.471.3151 | COWBOYCOLLEGE.COM Maybe you’re more serious about experiencing life as an American cowboy. Perhaps luxury amenities such as spa services and golf just aren’t part of the authentic pursuit you have in mind. Arizona Cowboy College isn’t just another dude ranch, it’s a real working ranch designed to be a serious attempt at teaching you horsemanship skills and ranching techniques. Featured in myriads of publications, newspapers, and television programs since its inception in 1989, the school is touted as one-of-a-kind in the world. Whether you have some experience in the saddle or have never even touched a horse before, they guarantee to have you riding and roping like a true cowboy. Many exclaim this to be a “life-changing experience.”

BORACHO BEANS INGREDIENTS: 3 cups pinto beans 1 quart pork or chicken stock 1 lb. bacon, cubed 1 lb. prepared smoked ham, cubed 1 medium onion, diced 6 medium-sized tomatoes, diced 2 serrano chiles, chopped 2 bottles of Dos Equis Lager, 12 oz. each 1 teaspoon black pepper

Featuring Spotted Donkey Cantina 480.488.3358 SpottedDonkeyCantinaElPedregal.com

PREPARATION: 1. In a large pot brown bacon, ham and onions until meat is browned and onions translucent. 2. Add all remaining ingredients and simmer until beans are soft.


Event Calendar

September| October 2012 Gentlemen’s Lunch Westin Kierland Resort & Spa, Sept. 21st 602.263.3589 | WomenOfScottsdale.org The Women of Scottsdale networking group invites you to their annual Gentlemen’s Lunch. The organization endeavors to promote professional women who desire to be successful and connect with the community. Members and guests are encouraged to bring a gentleman who loves, inspires or supports them.

Dine Out with the Chefs Scottsdale Center for the Performing Arts, Oct. 7th 480.499.8587 | ScottsdalePerformingArts.org Guests will mingle with some of the Valley’s top culinary masters as they sample signature dishes – all from appetizers and entrees, to decadent desserts. Live entertainment, cooking demos, book signings and wine tastings round out the festive evening. Tour de Paradise Moon Valley Park, Oct. 20th 602.274.5022 | TourDeParadise.org This fundraiser for the Duet foundation – which helps homebound seniors and disabled individuals with such things as getting groceries, rides to the doctor, etc. – has three different bike routes to choose from. Challenge yourself with the 62-mile ride, take the intermediate 30-mile ride or the easier 8-mile fun ride appropriate for all members of the family. Kokopelli Krush Kokopelli Winery & Bistro, Oct. 26th 480.792.6927 | KokopelliWinery.net Kokopelli Krush has been selected as the About.com 2012 Readers’ Choice Award for Best Food/Wine/Beer Festival in the Greater Phoenix area. Teams of two can compete in the grape stomping “krush kompetition”! The tasty event also includes wine samplings, live entertainment and a kid’s zone. Santé!

BY UPGRADING YOUR DRIVEWAY! If you’re interested in boosting your home’s appeal, look no further than your lowly, old driveway. As one of your home’s often-overlooked focal points, the driveway can make or break the entire look of your property. Below are some ideas to give some pizzazz to your home’s entrance simply by improving your driveway.

RANCHO DE LOS CABALLEROS WICKENBURG, AZ 800.684.5030 | RANCHODELOSCABALLEROS.COM Since opening in 1948, this historic guest ranch and resort continues to honor the grand tradition of the Spanish caballeros, the “gentlemen on horseback,” who explored and settled the Southwest. Set among 20,000 acres of pristine Sonoran Desert, the ranch offers comfortable casitas outfitted with vintage handcrafted furnishings and décor that reflects Old West charm. Your experience wouldn’t be complete without horseback riding, but the ranch offers many other activities such as nature hikes, golf, ATV tours, trap & skeet, hayrides, desert cookouts, scenic jeep tours, hot air balloon rides and even a full-service spa. One of their most popular events is their

Restore or Improve Your Current Concrete

If tearing out and completely redoing your driveway is not in the budget, consider the big impact that a little restoration can make. Power washing your concrete can remove unsightly oil stains and tire marks, bringing a fresh, clean appearance back to your home. You may also consider a concrete coating, such as an epoxy or polyurethane product. Lastly, your driveway may have never been sealed before. After you’ve cleaned it up, a sealant can help it maintain its look and protect it from future stains.

Colored Concrete

Do away with your boring, standard gray driveway. Chemical staining involves special chemicals that react with the concrete to etch and bond color onto the surface. This process can be used on your existing driveway. Or, color can be added to a ready-mix concrete to provide a beautiful tint throughout the slab when poured. Because the pigment can fade with time and the elements, be sure to apply a sealant as well.

Stamped Concrete

Often referred to as patterned concrete, this process involves imprinting patterns in freshly poured concrete. It’s designed to resemble brick, tile, stone or slate and can be colored to blend with other architectural elements of your residence. Complex designs can easily be achieved and this process tends to be an economical option vs. more expensive materials such as stone and brick.

Exposed Aggregate

For that upscale, “pebbly” look, choose an exposed aggregate surface. Rocks or pebbles are seeded into the freshly poured concrete or actually blended into the ready-mix and then exposed by sandblasting the concrete surface after it’s been poured. There are a variety of looks and designs available depending on the shape, size and color of rock, and the degree of aggregate exposure. Sealing the surface with a clear acrylic resin brings out the natural color of the rock and insures a long-lasting finish.

Pavers and Cobblestones

A very popular option in Arizona, pavers create a distinct and high-end look. Driveways may be paved with mortared pavers which create a hardened surface, or they may be placed with a sand mixture between the pavers making the driveway more flexible and easier to maintain. Pavers are hand-laid and can be set in an abundance of patterns and arrangements. Cobblestone can give many homes an elegant, Old-World feel and can be laid in designs with grass (real or artificial) peeking up in between the stones. There are even reclaimed, antique cobblestones available to add a special allure. Choose cobblestones from the historic streets of Chicago or well-worn granite stones used in European cities hundreds of years ago. When it comes to improving your driveway, your options are many. From the process and materials you use, to the multitude of accents and designs that can be achieved. You can incorporate a style that complements the rest of your home and even make appropriate improvements to your walkways and front entry as well.

Your Home

Local Flavor!

Arizona Honey Festival El Pedregal at The Boulders, Sept. 29th – 30th 480.595.3508 | ElPedregal.com This first annual event is a new take on foodie fests – all about honey! Enjoy live bluegrass music while tasting Arizona honey delights, cooking with honey seminars, enjoying honey-inspired spa treatments, sipping honey cocktails, and browsing bee-inspired merchandise and crafts. Don’t miss the five-course gourmet “honey” dinner with wines paired by Benziger Winery. You’ll be buzzing about it to all your friends!

It’s funny. When people around the country envision living in Arizona, they often imagine we all wear cowboy hats, have a gun rack in our truck and spend our weekends in the saddle moseying about the sun-parched desert. Of course we know that most of us living in the Metro Phoenix area are more likely to be frequenting Nordstrom and Starbucks, than living the Old West lifestyle. However…that doesn’t mean that we can’t escape to a little Western-style diversion. In fact, doesn’t the Spirit of the Old West appeal to you every now and then? Riding horseback through the untamed and rugged desert landscapes, quenching your thirst at a dusty saloon, sharpening your skeet-shooting skills and cooking out under a twinkling, star-filled night…maybe your inner cowboy is calling to you after all. There’s an adventure waiting with your name on it…. Giddy-Up Gals! Getaway weekends. Cowgirl fun for ladies only, it’s the perfect way to bond with the girls through unlimited riding, team penning and nightly entertainment. TANQUE VERDE RANCH TUCSON, AZ 800.234.3833 | TANQUEVERDERANCH.COM Here guests immerse themselves in the magic and nostalgia of days gone by – all with a touch of luxury thrown in. This all-inclusive ranch resort offers a variety of lodging options as well as specialty dining events such as the mountaintop Old Homestead Breakfast Ride, Mexican Fiesta Night and the spirited Cottonwood Grove BBQ with live cowboy entertainment. Horses are the “mane” attraction here, with leisurely walk-rides, to fast-paced lope-rides to suit every skill level. Add in guided mountain biking,

fishing, tennis, two swimming pools, a spa, a nature center and watercolor painting and you have an experience your family will never forget. ARIZONA COWBOY COLLEGE SCOTTSDALE, AZ 480.471.3151 | COWBOYCOLLEGE.COM Maybe you’re more serious about experiencing life as an American cowboy. Perhaps luxury amenities such as spa services and golf just aren’t part of the authentic pursuit you have in mind. Arizona Cowboy College isn’t just another dude ranch, it’s a real working ranch designed to be a serious attempt at teaching you horsemanship skills and ranching techniques. Featured in myriads of publications, newspapers, and television programs since its inception in 1989, the school is touted as one-of-a-kind in the world. Whether you have some experience in the saddle or have never even touched a horse before, they guarantee to have you riding and roping like a true cowboy. Many exclaim this to be a “life-changing experience.”

BORACHO BEANS INGREDIENTS: 3 cups pinto beans 1 quart pork or chicken stock 1 lb. bacon, cubed 1 lb. prepared smoked ham, cubed 1 medium onion, diced 6 medium-sized tomatoes, diced 2 serrano chiles, chopped 2 bottles of Dos Equis Lager, 12 oz. each 1 teaspoon black pepper

Featuring Spotted Donkey Cantina 480.488.3358 SpottedDonkeyCantinaElPedregal.com

PREPARATION: 1. In a large pot brown bacon, ham and onions until meat is browned and onions translucent. 2. Add all remaining ingredients and simmer until beans are soft.


KELLY KARBON Welcome to your one-stop source for real estate services covering the Scottsdale, Paradise Valley, Fountain Hills, Cave Creek and Carefree areas. Specializing in luxury and vacation homes, investment properties and condominiums in the North Scottsdale and surrounding areas, I dedicate 100% of my energy to providing exceptional, personalized service to my clients. Through my affiliations with Who’s Who in Luxury Real Estate, Leading Real Estate Companies of the World and other professional associations, my marketing targets high networth clients both nationally and internationally. Extensive use of internet marketing ensures that listed properties receive maximum exposure. As a resident of Scottsdale and a licensed Realtor for more

KELLY KARBON

480.313.4952 KKarbon@ArizonaBest.com

than 25 years, I have the experience and expertise you can trust when it comes to buying or selling your home. My goal is to provide you with a stellar real estate experience. I promise to conduct business with the highest standards of honesty, integrity and fairness. You will be my number one priority and I will be with you every step of the way. Call or email me today for a no-obligation consultation. I look forward to helping you with all of your real estate needs.

BestHomesInScottsdale.com 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 Kelly Karbon