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Mortgage Banker

Pinnacle Capital Mortgage Corporation 8145 E. Evans Road, Suite 5 Scottsdale, AZ 85260

Arizona Homeowner July | August 2014

MLO-180079

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!

Call me today!

PEAK HOME BUYING SEASON

Welcome to spring! Our near-perfect weather this time of year also sets the stage for peak season in home buying and selling. The last couple of years have been a bit of a seller’s market, with over 25% annual home appreciation in most areas of the Valley. But for 2014, the market seems to be back to a more normal balance with homes selling in an average of three to six months. As an example, in January of this year, there were just under 4,000 homes sold with 21,000 homes on the market. The last time we had a market with this type of “normal” balance was all the way back in 2003. But as January’s numbers illustrate, a normal market with a healthy inventory of homes tips the scale in favor of the buyer. If you are looking to buy a new home, you may not find a better time with this amount of inventory of homes and the low mortgage rate environment.

Branch Manager MLO-180079

Direct: 480.272.3282 Email: Brady@BradyHollandGroup.com

www.BradyHollandGroup.com

Many of you were required to have mortgage insurance because you had less than 20% equity when you took out your last mortgage. That’s probably costing you anywhere between $100-$450 per month. But you don’t have to pay mortgage insurance forever.

Contact me to find out how to get rid of your mortgage insurance and save yourself thousands of dollars a year. Time to update your home? With home values accelerating, many people now want to finance home improvements to increase their enjoyment and maximize their resale value. Contact me today to find out how to make home improvements affordable. Do your credit card balances seem to never go away? Contact me to find out about a disciplined approach to use the low rates and tax deductibility of mortgage interest as a tool to pay off your credit card debt in record time.

MORTGAGE RATES

AZ BK#910890

spa it up

As of 2/15/14

Loan Rates for $150K-$417K: • 30-Year Fixed: 4.500%/4.744% APR • 15-Year Fixed: 3.500%/3.843% APR • 7/1 ARM: 3.500%/3.392% APR

*Note: All above conventional rate quotes offered for primary home purchase or no cash-out refinance financing with 20% equity and 720+ FICO scores. Other financing options are available upon request. All rates are quoted subject to change without notice. NMLS 81395

Summertime Fitness

If you are looking to buy or sell your home, or just want to do some spring cleaning, here are some tools to help you get started: Curious what your home is currently worth? Understanding your home’s value is useful when thinking about selling a home. And since your home represents a good portion of family wealth, it is good to document the value from time-to-time. Our technology has improved to the point where I can now offer a free automated home valuation to any interested clients. Just call or email and I can send you a free report within 24 hours.

Brady Holland

Beat the Heat & Stay in Shape

This is not a commitment to lend. Subject to qualification. Not all applicants will qualify.

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

Master Bath Musts Cover Photography | The Village

Brady Holland

pasta perfection

Ocean Prime’s Shrimp Linguini


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


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 | Lisa Wadey