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Brady Holland Mortgage Banker

Pinnacle Capital Mortgage Corporation 3200 E. Camelback Rd., Suite 123 Phoenix, AZ 85018

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!

Arizona Homeowner January | February 2013

HURRY... BEFORE IT’S TOO LATE!

Many of you have already called to take advantage of our amazingly low interest rates through a purchase or refinance. And for those that haven’t yet called, we are starting to see rates rise again due to the changing dynamics of the economy.

Winter Retreats Right Here in Arizona

If your current rate is above 4%, it is time to lock in a historic-low rate before they are gone. Mortgage rates are so low today that we are seeing most clients lower their existing mortgage rate by 2-3%. As an example, a 2% reduction in rate on a $250k loan saves you $5,000 a year. Over ten years that saves you $50,000. These are mind-boggling savings numbers considering how inexpensive refinancing is. As recently as eight months ago the greatest barrier to refinancing was the fact that many people in the Greater Phoenix area owe more on their home than it is worth. And back then, if you didn’t have equity you couldn’t get a refinance. But times have changed with some newly introduced loan programs that allow us to refinance homes with no equity. Just last week I refinanced a client who owed $400k on a home worth $200k and dropped their rate almost 3%. They are saving $7k a year from our refinance despite being substantially upside-down on their home. But time is limited, as our federally backed program does expire in 2013.

As an added bonus, clients who refinance with us by year-end will enjoy a deferred mortgage payment during the holiday season. Please call or email me today for a free analysis to find out how much money I can save you with a refinance. I look forward to hearing from you.

Brady Holland Branch Manager

MLO-180079

Direct: 480.272.3282 Brady@BradyHollandGroup.com

MORTGAGE RATES As of 10/18/12

Loan Rates for $150K-$417K: • 30-Year Fixed: 3.625%/3.776% APR • 15-Year Fixed: 3.000%/3.121% APR • 7/1 ARM: 3.125%/3.124% APR

*Note: All rate quotes offered for primary home purchase or no cash-out refinance financing with 720+ FICO score. Loans under $417K are quoted based on 20% equity. Loans above $417k and other financing options are available upon request. All rates are quoted subject to change without notice. NMLS 81395 AZ BK#910890

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

household emergency?

A Home Inventory May Save the Day

asian-inspired appetizer RA’s Chili Ponzu Yellowtail


Event Calendar

January| February 2013 If the lure of a crackling fire, snow-tipped pine trees and a mug of hot cocoa in your hands has become irresistible, treat yourself to an Arizona mountain getaway! Here, you’ll find a handful of highly recommended destinations to choose from. Enjoy!

Make a Resolution T O B E P R E PA R E D !

Tosca Symphony Hall, January 25th – 27th 602.266.7464 | AZOpera.com Opulent sets evoke the palaces and cathedrals of 19th century Rome in this production of Puccini’s beloved opera, while soprano Jill Gardner lends her rich voice and insightful performance to the role of Tosca. Baritone Gordon Hawkins, a Valley resident renowned worldwide, provides powerhouse vocals as Scarpia. Sung in Italian with English subtitles.

Imagine if your home was damaged or destroyed by a storm or fire. Or, if your belongings were burglarized or vandalized. Even though you have homeowner’s insurance, did you know that your chance of recovering a claim on your home’s contents is nearly impossible if you don’t have some sort of record of your belongings? Documentation of your possessions is critical as many insurance companies will not cover you for items that you can’t prove you owned. Having a current and accurate inventory of your home will get your insurance claim settled faster, verify losses for your income tax return, and can even aid you in buying the appropriate amount of insurance. Besides having a record for an insurance claim, your home inventory will be very useful to financial advisors and estate planners to adequately understand your entire net worth and better help you in your financial affairs.

Waste Management Phoenix Open TPC Scottsdale, January 28th – February 3rd 602.870.0163 | WMPhoenixOpen.com Golf, spectators, corporate sponsorships, local celebrities, schmoozing, flirting, eating, drinking, sunshine, 16th hole, charity, Bird’s Nest…wait, we did mention golf, right? As you know, the PGA’s most popular spectator event once again graces the Valley. No matter if you’re truly a golf aficionado or simply like to be where the action is, the annual Phoenix Open is one great way to spend a week or weekend.

A complete home inventory includes: • A written documentation of all personal property including make and model, purchase price, where you bought it and the approximate date of purchase • Photos or videotape of the items • Appropriate sales receipts, purchase contracts and appraisals • The serial number from items such as electronics and major appliances

War Horse Gammage, February 5th – 10th 480.965.3434 | ASUGammage.com You saw the Academy-Award nominated film, now see this beautiful tale of courage, loyalty and friendship live on stage. This powerfully moving and imaginative drama, filled with stirring music, is a show of phenomenal inventiveness that is currently playing to packed houses in London, New York and Toronto. At its heart are astonishing life-sized puppets that bring to life breathing, galloping, charging horses strong enough for men to ride. Corks & Cactus Desert Botanical Garden, February 23rd – 24th 480.481.8188 | DBG.org Who wouldn’t want to spend a gorgeous Arizona evening sipping libations in a tranquil, scenic setting? Corks & Cactus blends boutique wines, gourmet concessions and desert beauty into a delightful event. Enjoy sampling from 40 different wines each day, listening to live local entertainment and food items available for purchase from Fabulous Food Fine Catering and Events.

Hidden Meadow Ranch 15 miles north of Greer, AZ 866.333.4080 | HiddenMeadow.com Hidden Meadow Ranch is an exclusive ranch hideaway replete with rustically elegant log cabins, unparalleled amenities, exceptional service and cuisine, and a plethora of wintertime activities to satisfy your craving for fun in the snow. Hidden Meadow Ranch describes their guest experience as “An escape from everything but luxury!” The 13 individual log guest cabins accommodate up to several guests each and are decorated in rustic, yet luxurious western décor. You’ll enjoy five-star cuisine at the Ranch House and unrivaled service from the staff. On any given day, you may go sledding, snowshoeing or embark upon a horse-drawn carriage or sleigh ride. Sno-Cat excursions, ice fishing, skiing and snowboarding are available as well.

While recording every item and detail of your home may seem a daunting task, you can tackle this project just a little at a time. Perhaps start with going from room to room. Or beginning with newly purchased items and then finishing with older items that may take more research. You may also decide to document your most valuable items first, then return and finish with everything else. If you have not taken an inventory, the best time to do it is now of course. If you are planning a move, you might find it simpler to record items as they’re getting boxed up. Plus, the information you gather will be useful in the case that your belongings were lost or damaged in the move itself. If you have already completed a home inventory, be sure to add to it periodically as you acquire new things or in the event that your valuables such as jewelry or artwork may have appreciated. In addition to an inventory of your belongings, it’s a wise idea to document your actual home. Lighting fixtures, window treatments, door hardware and even your landscaping can provide a true picture of what your home looked like and how it should be comparably restored. There are several ways of documenting your home’s inventory: 1. You can simply keep written records with photos and receipts. Your insurance company can most likely supply you with a kit to aid you in the information they’ll need. 2. There are complete software systems available such as Quicken Home Inventory Manager in which you can upload photos, scan and attach your receipts, price tags, etc. 3. You can use an online site to help with the task such as KnowYourStuff.org. With this site, you can also archive your records online. 4. You may even choose to hire a local company to do all the legwork for you. Visit ArcadiaInventoryServices.com to learn about their services. Now that you’ve fully documented your home and its belongings, don’t forget to keep your records away from your property! Use a safe deposit box, or store them at a friend or family member’s home so that your valuable documents don’t become a victim of the destructive event too.

Your Home

Mogollon Resort Cabins Overgaard, AZ 877.92.CABIN | AzResortCabins.com Nestled high on the Mogollon Rim, Mogollon Resort Cabins offers a mountain destination right in the heart of

the high country. Choose from a variety of custom cabins, each resting on at least a 1/2-acre lot for desirable privacy. Each cabin features a covered porch, rustic wood interiors, vaulted ceilings, stone fireplace and a full kitchen. Guests can snowshoe or cross-country ski in the adjacent Sitgreaves National Forest or enjoy downhill skiing at nearby Sunrise Resort. You may enjoy a visit to Bison Town, a charming replica of an Old West town where you’ll find unique shopping and dining experiences. Kohl’s Ranch Lodge Payson, AZ 928.478.4211 DiamondResorts.com/Kohls-Ranch-Lodge Situated in the midst of the largest Ponderosa Pine forest in the world, this destination resort offers a rustic experience but with luxurious amenities. On the banks of Tonto Creek, which runs even in winter, guests can amuse themselves with a variety of outdoor activities such as sledding, hayrides and snow hiking. For those that want to experience winter only from the warmed confines of the lodge, there are multiple offerings each week for guests including

a three-course cooking class, Sunday movie night, arts & crafts, and poker tournaments. Plus, with Club Pet even your furry kids are invited to join you on your getaway. Molly Butler Lodge & Cabins Greer, AZ 928.735.7617 | MollyButlerLodge.com The state’s oldest continually operating hotel is Molly Butler Lodge – officially established in 1910. Molly was known as a friendly, spunky innkeeper and many high-profile guests such as Presidents Teddy Roosevelt and Herbert Hoover, western novelist Zane Grey, and film legend John Wayne, enjoyed a stay there. Whether your tastes range from a small, one-bedroom rustic cabin to a million-dollar luxury estate on an acre+ lot, you’re sure to find what you’re looking for from among the nearly 50 private cabin rentals available here. All the best winter activities are awaiting you: snowmobiling, sledding, skiing, sleigh rides and more. Plus, the very

charming town of Greer offers antique stores, unique boutiques, and plenty of dining options. Inn at 410 Bed & Breakfast Flagstaff, AZ 928.774.0088 | www.inn410.com If you enjoy a little city-life with your mountain getaway, you may want to experience a Flagstaff vacation at one of the premier guest destinations in the city. The Inn at 410 is a charming and nationally acclaimed property that offers world-class, resort-style amenities all in an inviting setting. Large guest rooms have fireplaces, luxury bed linens and some have Jacuzzi tubs for a hot soak. Located just three blocks from historic downtown Flagstaff, guests can easily experience shopping, dining, arts and culture. Or, simply hang out at the Inn immersed in a good book or cuddled up under a blanket for an afternoon nap.

CHILI PONZU YELLOWTAIL INGREDIENTS 3.5 oz. yellowtail 1.5 oz. shredded turnip .2 oz. kaiware .2 oz. onion sprouts 3 pc. chives pinch of cilantro 1/4 tsp. chopped jalapenos 1/4 cup crushed cashew nuts 1/4 cup beet tempura bits 1/4 cup chili ponzu (recipe below)

Local Flavor!

PF Chang’s Rock ‘n Roll Marathon Series Phoenix, Scottsdale and Tempe, January 20th RunRockNRoll.com Celebrating its 10th year in the Valley, this marathon and 1/2 marathon event has a brand-new course for 2013 and a new twist for non-runners: a Bike Tour. Bicycle participants can ride the marathon course in a non-timed event. Kids can participate in the one-mile fun run and there are tons of volunteering and people-watching opportunities to make this event one for everyone!

Featuring RA Sushi RASushi.com

INSTRUCTIONS Mix shredded turnip, kaiware, and onion sprouts. Shape into a large ring (leaving enough room in the middle for a small shot glass of the ponzu sauce) and place on large plate or serving bowl. Thinly slice the yellowtail into 10 pieces. Arrange the yellowtail over vegetable mixture. Sprinkle chives, cilantro, jalapenos, nuts and beet tempura bits. Finally, place the chili ponzu in a small shot glass and place in the center of the yellowtail mixture. CHILI PONZU 1/8 cup rice vinaigrette 0.5 oz. Kochjan sauce 2 tsp. garlic 1/8 cup ponzu Mix all ingredients together.


Event Calendar

January| February 2013 If the lure of a crackling fire, snow-tipped pine trees and a mug of hot cocoa in your hands has become irresistible, treat yourself to an Arizona mountain getaway! Here, you’ll find a handful of highly recommended destinations to choose from. Enjoy!

Make a Resolution T O B E P R E PA R E D !

Tosca Symphony Hall, January 25th – 27th 602.266.7464 | AZOpera.com Opulent sets evoke the palaces and cathedrals of 19th century Rome in this production of Puccini’s beloved opera, while soprano Jill Gardner lends her rich voice and insightful performance to the role of Tosca. Baritone Gordon Hawkins, a Valley resident renowned worldwide, provides powerhouse vocals as Scarpia. Sung in Italian with English subtitles.

Imagine if your home was damaged or destroyed by a storm or fire. Or, if your belongings were burglarized or vandalized. Even though you have homeowner’s insurance, did you know that your chance of recovering a claim on your home’s contents is nearly impossible if you don’t have some sort of record of your belongings? Documentation of your possessions is critical as many insurance companies will not cover you for items that you can’t prove you owned. Having a current and accurate inventory of your home will get your insurance claim settled faster, verify losses for your income tax return, and can even aid you in buying the appropriate amount of insurance. Besides having a record for an insurance claim, your home inventory will be very useful to financial advisors and estate planners to adequately understand your entire net worth and better help you in your financial affairs.

Waste Management Phoenix Open TPC Scottsdale, January 28th – February 3rd 602.870.0163 | WMPhoenixOpen.com Golf, spectators, corporate sponsorships, local celebrities, schmoozing, flirting, eating, drinking, sunshine, 16th hole, charity, Bird’s Nest…wait, we did mention golf, right? As you know, the PGA’s most popular spectator event once again graces the Valley. No matter if you’re truly a golf aficionado or simply like to be where the action is, the annual Phoenix Open is one great way to spend a week or weekend.

A complete home inventory includes: ��� A written documentation of all personal property including make and model, purchase price, where you bought it and the approximate date of purchase • Photos or videotape of the items • Appropriate sales receipts, purchase contracts and appraisals • The serial number from items such as electronics and major appliances

War Horse Gammage, February 5th – 10th 480.965.3434 | ASUGammage.com You saw the Academy-Award nominated film, now see this beautiful tale of courage, loyalty and friendship live on stage. This powerfully moving and imaginative drama, filled with stirring music, is a show of phenomenal inventiveness that is currently playing to packed houses in London, New York and Toronto. At its heart are astonishing life-sized puppets that bring to life breathing, galloping, charging horses strong enough for men to ride. Corks & Cactus Desert Botanical Garden, February 23rd – 24th 480.481.8188 | DBG.org Who wouldn’t want to spend a gorgeous Arizona evening sipping libations in a tranquil, scenic setting? Corks & Cactus blends boutique wines, gourmet concessions and desert beauty into a delightful event. Enjoy sampling from 40 different wines each day, listening to live local entertainment and food items available for purchase from Fabulous Food Fine Catering and Events.

Hidden Meadow Ranch 15 miles north of Greer, AZ 866.333.4080 | HiddenMeadow.com Hidden Meadow Ranch is an exclusive ranch hideaway replete with rustically elegant log cabins, unparalleled amenities, exceptional service and cuisine, and a plethora of wintertime activities to satisfy your craving for fun in the snow. Hidden Meadow Ranch describes their guest experience as “An escape from everything but luxury!” The 13 individual log guest cabins accommodate up to several guests each and are decorated in rustic, yet luxurious western décor. You’ll enjoy five-star cuisine at the Ranch House and unrivaled service from the staff. On any given day, you may go sledding, snowshoeing or embark upon a horse-drawn carriage or sleigh ride. Sno-Cat excursions, ice fishing, skiing and snowboarding are available as well.

While recording every item and detail of your home may seem a daunting task, you can tackle this project just a little at a time. Perhaps start with going from room to room. Or beginning with newly purchased items and then finishing with older items that may take more research. You may also decide to document your most valuable items first, then return and finish with everything else. If you have not taken an inventory, the best time to do it is now of course. If you are planning a move, you might find it simpler to record items as they’re getting boxed up. Plus, the information you gather will be useful in the case that your belongings were lost or damaged in the move itself. If you have already completed a home inventory, be sure to add to it periodically as you acquire new things or in the event that your valuables such as jewelry or artwork may have appreciated. In addition to an inventory of your belongings, it’s a wise idea to document your actual home. Lighting fixtures, window treatments, door hardware and even your landscaping can provide a true picture of what your home looked like and how it should be comparably restored. There are several ways of documenting your home’s inventory: 1. You can simply keep written records with photos and receipts. Your insurance company can most likely supply you with a kit to aid you in the information they’ll need. 2. There are complete software systems available such as Quicken Home Inventory Manager in which you can upload photos, scan and attach your receipts, price tags, etc. 3. You can use an online site to help with the task such as KnowYourStuff.org. With this site, you can also archive your records online. 4. You may even choose to hire a local company to do all the legwork for you. Visit ArcadiaInventoryServices.com to learn about their services. Now that you’ve fully documented your home and its belongings, don’t forget to keep your records away from your property! Use a safe deposit box, or store them at a friend or family member’s home so that your valuable documents don’t become a victim of the destructive event too.

Your Home

Mogollon Resort Cabins Overgaard, AZ 877.92.CABIN | AzResortCabins.com Nestled high on the Mogollon Rim, Mogollon Resort Cabins offers a mountain destination right in the heart of

the high country. Choose from a variety of custom cabins, each resting on at least a 1/2-acre lot for desirable privacy. Each cabin features a covered porch, rustic wood interiors, vaulted ceilings, stone fireplace and a full kitchen. Guests can snowshoe or cross-country ski in the adjacent Sitgreaves National Forest or enjoy downhill skiing at nearby Sunrise Resort. You may enjoy a visit to Bison Town, a charming replica of an Old West town where you’ll find unique shopping and dining experiences. Kohl’s Ranch Lodge Payson, AZ 928.478.4211 DiamondResorts.com/Kohls-Ranch-Lodge Situated in the midst of the largest Ponderosa Pine forest in the world, this destination resort offers a rustic experience but with luxurious amenities. On the banks of Tonto Creek, which runs even in winter, guests can amuse themselves with a variety of outdoor activities such as sledding, hayrides and snow hiking. For those that want to experience winter only from the warmed confines of the lodge, there are multiple offerings each week for guests including

a three-course cooking class, Sunday movie night, arts & crafts, and poker tournaments. Plus, with Club Pet even your furry kids are invited to join you on your getaway. Molly Butler Lodge & Cabins Greer, AZ 928.735.7617 | MollyButlerLodge.com The state’s oldest continually operating hotel is Molly Butler Lodge – officially established in 1910. Molly was known as a friendly, spunky innkeeper and many high-profile guests such as Presidents Teddy Roosevelt and Herbert Hoover, western novelist Zane Grey, and film legend John Wayne, enjoyed a stay there. Whether your tastes range from a small, one-bedroom rustic cabin to a million-dollar luxury estate on an acre+ lot, you’re sure to find what you’re looking for from among the nearly 50 private cabin rentals available here. All the best winter activities are awaiting you: snowmobiling, sledding, skiing, sleigh rides and more. Plus, the very

charming town of Greer offers antique stores, unique boutiques, and plenty of dining options. Inn at 410 Bed & Breakfast Flagstaff, AZ 928.774.0088 | www.inn410.com If you enjoy a little city-life with your mountain getaway, you may want to experience a Flagstaff vacation at one of the premier guest destinations in the city. The Inn at 410 is a charming and nationally acclaimed property that offers world-class, resort-style amenities all in an inviting setting. Large guest rooms have fireplaces, luxury bed linens and some have Jacuzzi tubs for a hot soak. Located just three blocks from historic downtown Flagstaff, guests can easily experience shopping, dining, arts and culture. Or, simply hang out at the Inn immersed in a good book or cuddled up under a blanket for an afternoon nap.

CHILI PONZU YELLOWTAIL INGREDIENTS 3.5 oz. yellowtail 1.5 oz. shredded turnip .2 oz. kaiware .2 oz. onion sprouts 3 pc. chives pinch of cilantro 1/4 tsp. chopped jalapenos 1/4 cup crushed cashew nuts 1/4 cup beet tempura bits 1/4 cup chili ponzu (recipe below)

Local Flavor!

PF Chang’s Rock ‘n Roll Marathon Series Phoenix, Scottsdale and Tempe, January 20th RunRockNRoll.com Celebrating its 10th year in the Valley, this marathon and 1/2 marathon event has a brand-new course for 2013 and a new twist for non-runners: a Bike Tour. Bicycle participants can ride the marathon course in a non-timed event. Kids can participate in the one-mile fun run and there are tons of volunteering and people-watching opportunities to make this event one for everyone!

Featuring RA Sushi RASushi.com

INSTRUCTIONS Mix shredded turnip, kaiware, and onion sprouts. Shape into a large ring (leaving enough room in the middle for a small shot glass of the ponzu sauce) and place on large plate or serving bowl. Thinly slice the yellowtail into 10 pieces. Arrange the yellowtail over vegetable mixture. Sprinkle chives, cilantro, jalapenos, nuts and beet tempura bits. Finally, place the chili ponzu in a small shot glass and place in the center of the yellowtail mixture. CHILI PONZU 1/8 cup rice vinaigrette 0.5 oz. Kochjan sauce 2 tsp. garlic 1/8 cup ponzu Mix all ingredients together.


We Know a Quicker Way Home That’s not only our slogan at Castle & Cooke Mortgage, that’s simply how we do business. We work FAST to close your loan, whether it’s a purchase or a refinance. How do we do it? Castle & Cooke Mortgage has full delegated authority for all the GSEs – meaning we underwrite, fund and service our own loans. The Buck Stops Here! With 14 years of mortgage lending experience, as a Branch manager, Top Producer and Chairman’s Club Recipient, I pride myself on being a Service-Oriented Loan Officer. When

Ross Murray Branch Manager

Office: 480.776.5833 Mobile: 480.205.1341 Fax: 855.263.3693 rmurray@castlecooke.com NMLS #80919 / AZ LO #0913746 637 South 48th Street, Suite 4 Tempe, Arizona 85281 NMLS #1251

you have questions, I give clear answers. I’m responsive and almost always available to you. I’d like to earn your business too. Work with me, and see why my past clients continue to refer friends and family to me year after year.

Special Programs • We support HARP 2.0 in its entirety. We can refinance underwater Fannie Mae and Freddie Mac loans without an appraisal. • FHA/VA Streamline – in most cases with no appraisal and no income verification • HomePath & HomePath Renovation approved lender • FHA 203K – Rehabilitation Lender • Reduced PMI & Financed PMI option (Lower payment option)

www.CastleCookeMortgage.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 Ross Murray