Arizona Homeowner presented by Ross Murray

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!

Brady Holland Branch Manager MLO-180079

Direct: 480.272.3282 Brady@BradyHollandGroup.com

There is something special about our Arizona springtime and how it arrives earlier than the rest of the country. You can sport a t-shirt and shorts on

the hiking trails while chatting to your friend back East who is preparing for a winter blizzard. So, get outside and enjoy this fantastic spring weather or take in a spring training game!

Speaking of spring, the months from March to June are an excellent time to sell a home in The Valley. The weather is spectacular and the winter visitors are among us.

It’s no wonder we experience a home buying frenzy, making this a seller’s market right now. Plus, there are more buyers than there are properties for sale. That’s one reason why home prices finished 2012 up 20% or more in most areas of Metro Phoenix. Did you know home values increased that much in the last 12-18 months??

With short supply of homes for sale, prices are still on the rise. It’s an excellent time to sell your home for top dollar while still being able to snag your next home at an affordable price before values climb much higher. Interest rates are at historic lows so this is a great time to sell your home and buy a new one.

Find out what your home is worth today, even if you’re just curious! I am happy to send a free estimate of your home’s value using our home valuation software.

When you are ready to make a move, I’ll refer you to one of our experienced Realtor partners.

Take advantage of a money saving refinance while you can. The improving economy is starting to nudge mortgage rates up. Analysts are predicting that 2013 will be the last year we see these incredibly low rates. If your current mortgage rate is 4.25% or higher, you could benefit from a refinance. Remember, you don’t even need equity in your property to be eligible to refinance with most of our loan programs.

You can call me today at (480) 272-3282 or email Brady@BradyHollandGroup.

MORTGAGE RATES As of 2/19/13

Loan Rates for $150K-$417K: • 30-Year Fixed: 3.750%/3.941% APR • 15-Year Fixed: 3.125%/3.350% APR • 7/1 ARM: 3.250%/3.368% APR

*Note: All above rate quotes offered for primary home purchase or no cash-out refinance financing with 20% equity and 720+ FICO scores. 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

Arizona Homeowner May | June 2013

Dive In! Make Your Summer a Splash to Remember!

cool pool conversions Making the Saltwater Switch

pool party perfection

Geisha A Go Go’s Tempura Rock Shrimp

Event Calendar May | June 2013 Arizona Foundation for Women Sandra Day O’Connor Awards Luncheon Arizona Biltmore Resort, May 17th 602.532.2800 | azfw.org The luncheon pays tribute to those who make a difference in the lives of women and children. Past award recipients include Madeleine Albright, Tipper Gore, Billie Jean King, Barbara Bush, and more. This year AFW will recognize three individuals who have made significant impact in the lives and women and children: Goldie Hawn, Sandra Day O’Connor Lifetime Achievement Award; Ernie Allen, Voice for Women Award; and Missy Anderson, Marilyn R. Seymann Award.

Peach Festival Schnepf Farms, May 18th – 19th, May 25th – 27th 480.987.3100 | SchnepfFarms.com What signifies the coming of summer better than juicy peaches fresh off the tree? Come celebrate the annual Peach Festival at a designated “Arizona Treasure,” Schnepf Farms!

The event includes peach pit spitting and pie eating contests, live music, a peach pancake breakfast, food vendors, carnival rides, and a terrific farmer’s market.

Arizona Restaurant Week Various locations, May 19th – 27th 602.307.9134 | ArizonaRestaurantWeek.com Channel your inner foodie and make reservations at Arizona’s premiere restaurants. It’s the perfect opportunity to grab a bite, plan a romantic evening out, schedule a long overdue get together, or finally try that restaurant you’ve had on your wish list. Participating restaurants are not only known for their exceptional cuisine, they aspire to give guests an extraordinary atmosphere for a special night on the town.

Cirque Musica Phoenix Symphony Hall, June 6th – 7th 602.495.1999 | PhoenixSymphony.org Take a journey to a faraway land of dazzling beauty and mystery! Cirque Musica combines the grace and tricks of circus performers with the symphonic sounds of classical and pops repertoire. You’ll be on the edge of your seat experiencing an action-packed display of talented acrobats, high-flying aerialists, strong-men and more performing alongside our own Phoenix Symphony. Cirque Musica features top circus performers from around the world including veterans of Ringling Bros., Barnum & Bailey and Cirque du Soleil.

I N S A LT WAT E R

Dive-In Movie in Your Own Backyard

Dive-in movies aren’t just for resorts and cruises anymore. Kimberly Hufford of Sincerely Style parties and event planning says, “You can throw a dive-in movie pool party in your own backyard that everyone will be raving about all summer long!” Rent an inflatable movie screen and projector from places such as AZBouncePro.com or FunFlicks.com.

Have several tubes and air mattresses for guests to float around the pool while enjoying the movie.

If you have grass, you can lay out picnic blankets in addition to the patio seating.

Fire up the barbeque, and create concession stations for adults and kids.

“A popcorn or cotton candy machine is a real crowd pleaser,” adds Hufford,

One thing is for sure here in Arizona: Life is a lot cooler with a swimming pool in your backyard! Maybe you’re thinking of building a pool or you already have your own backyard oasis. Either way, you may be considering a saltwater pool, which are growing in popularity here in Arizona and around the country. But what are the advantages of a saltwater pool instead of a traditional chlorine pool? Just remember the three Cs if you make the switch: chemicals (as in fewer!), comfort, and cost.

First, you’ll use fewer chemicals if you choose a saltwater pool. With a saltwater pool, the chlorine is produced naturally through a chlorine generator cell (yes, there still is chlorine in a saltwater pool but homeowners don’t have to add chlorine throughout the season). And that means less dangerous chemicals and less work! It’s not, however, completely maintenance-free. You will still need to check Ph levels to ensure the water is safe for swimming and you may periodically need to add salt. All-in-all, with a saltwater pool, you will have fewer chemicals around your house, in your hands, and in your pool. Definitely, a more earth-friendly option.

Next, comfort. If you suffer from red, itchy eyes and skin and discolored (dare we

“and can be rented from a vendor such as ArizonaBounceAround.com.”

Refreshments such as slushies or snow cones are a big hit with the kids while a margarita or frozen mudslide machine is a popular choice in quenching the thirsts of adults during hot summer nights.

Try MrMargaritaPhoenix.com.

What timeless summer flicks are in order? How about the classics such as Jaws, Uncle Buck, National Lampoon’s Vacation, Summer School, Meatballs, or Stand By Me. For more party ideas or help in planning an event, check out facebook.com/SincerelyStyle.

Pampered Resort-Style Pool Party

Perhaps the lux life is more your style. Kick up the cool-pool factor this year by taking a few pampering cues from your favorite resort. Create a spa-like atmosphere with soothing music, luxurious lounging, and all the special touches that make a day at the pool something special.

How about a respite from the sun with an open Moroccan-style cabana tent? Add a mini-fridge, books

and magazines and even cooled washcloths from the freezer to soothe hot foreheads. Impress guests with trays of frozen melon balls and berries.

And for drinks, slices of lemon, lime, kiwi or pineapple frozen into ice cubes will add to the experience. Don’t forget festive drink umbrellas and tropical straws for no-strain sipping!

Lastly, why not hire some service providers to give spa treatments poolside? From manicures and pedicures, to a neck and shoulder massage, you’re sure to make your pool party one to remember. In fact, you may have guests that never want to leave!

Staycations and Getaways

If you’re looking for a quick getaway without flying or driving far, consider taking advantage of the great incentives that local resorts offer to

residents during summer months.

Check your car at the resort valet, and stay & play for a weekend!

Take the kids sliding down a waterslide, float around a lazy river, relax with a massage, or take in a round of golf. Enjoy dinner at one of the fine dining restaurants on premise and pretend you’re someplace far, far away!

Looking to get out of town? Within a few hours, you could be in a cooler climate boating on a lake or lounging at a cabin in the pines. VRBO.com is an excellent source for weekly cabin rentals in Arizona towns that are ten to thirty degrees cooler. B&B’s also offer a charming way to stay and meet new friends. Explore a town you’ve never been to. Try an activity you’ve always found intriguing. Whatever you do this summer, make it a hot one to remember!

say green?) hair from swimming in a traditional chlorine pool, you’ll love how soft and smooth your skin and hair will feel after diving into a saltwater pool. Opening your eyes underwater in a saltwater pool is actually possible without your eyes

TEMPURA ROCK SHRIMP WITH SPICY YUZU SAUCE

burning. Nor will you have to endure that chlorine smell which can be overwhelming at times.

Finally, cost. Although the initial price-tag of installing a chlorine generator will cost in the neighborhood of one to several thousand dollars, in the end, you can save money. After all, it can cost hundreds of dollars just for chlorine and chemicals to maintain a traditional chlorine pool for one season. With a saltwater pool, your water will stay crystal-clear, clean, and free of algae with perhaps only the addition of a few bags of inexpensive salt.

Converting from a chlorine pool to a saltwater system is a relatively simple process that can be done by most pool service and installation companies. It’s a matter of cutting into the pool’s plumbing and installing the chlorine generator cell, as well as hooking the unit up to the electrical system. Keep in mind, however, that a chlorine generator will have to be replaced approximately every seven years. Also, there may be some concern that the salt water could damage some rock landscaping and decking, so be sure to consult with an expert if you are considering making the switch.

Also, specific brands of chlorine generators work best in Arizona’s hot, dry climate.

So be sure to consult with your pool service professional for the proper selection and installation advice. Happy swimming!

Your Home

INGREDIENTS: 30 oz. rock shrimp (12-18 shrimp per serving) 2 cups tempura batter fine sea salt Togarashi (Japanese chile blend)

Local Flavor!

AmeriCAN Canned Craft Beer Festival Scottsdale Civic Center, May 18th 480.234.4232 | CannedCraftBeerFest.com SanTan Brewing presents the 3rd Annual Ameri-CAN Canned Craft Beer Festival supporting and celebrating the craft beer movement. Come out to experience the Craft Can award ceremony, live entertainment, delicious food, VIP quarters, nano beer garden, Beer Olympics and over 150 local and national beers celebrating the canned craft beer revolution. A portion of the proceeds benefit the Scottsdale Cultural Council.

Summer’s on its way and with it, our daydreams turn to beach escapes and cool getaways. But if you’re like most Phoenicians, disappearing for three or four months isn’t doable. Don’t fret however. Here we’ve got some ideas to make your Valley summer one to remember!

SAUCE: 1 cup mayonnaise 2 oz. Yuzu Kosho 1 oz. Yuzu juice 1 oz. Srirachi sauce 1 tsp. minced serrano chile salt & pepper

Featuring Geisha A Go Go 480.699.0055 | GeishaAGoGo.com

GARNISH: 2 oz. red Tobiko caviar 2 oz. yellow Tobiko caviar 1 oz. micro cilantro 1 oz. micro chive 1 oz. black sesame seeds

De-vein shrimp and pat dry, then coat with tempura batter and fry until golden brown.

Place in mixing bowl. Season with salt and Togarashi. Stack shrimp in a row, side by side, then on top like a long pyramid.

Apply sauce in a zig-zag pattern over the top. Sprinkle with micro chives, micro cilantro and black sesame seeds. Finish with caviar.

Serves 4

Event Calendar May | June 2013 Arizona Foundation for Women Sandra Day O’Connor Awards Luncheon Arizona Biltmore Resort, May 17th 602.532.2800 | azfw.org The luncheon pays tribute to those who make a difference in the lives of women and children. Past award recipients include Madeleine Albright, Tipper Gore, Billie Jean King, Barbara Bush, and more. This year AFW will recognize three individuals who have made significant impact in the lives and women and children: Goldie Hawn, Sandra Day O’Connor Lifetime Achievement Award; Ernie Allen, Voice for Women Award; and Missy Anderson, Marilyn R. Seymann Award.

Peach Festival Schnepf Farms, May 18th – 19th, May 25th – 27th 480.987.3100 | SchnepfFarms.com What signifies the coming of summer better than juicy peaches fresh off the tree? Come celebrate the annual Peach Festival at a designated “Arizona Treasure,” Schnepf Farms!

The event includes peach pit spitting and pie eating contests, live music, a peach pancake breakfast, food vendors, carnival rides, and a terrific farmer’s market.

Arizona Restaurant Week Various locations, May 19th – 27th 602.307.9134 | ArizonaRestaurantWeek.com Channel your inner foodie and make reservations at Arizona’s premiere restaurants. It’s the perfect opportunity to grab a bite, plan a romantic evening out, schedule a long overdue get together, or finally try that restaurant you’ve had on your wish list. Participating restaurants are not only known for their exceptional cuisine, they aspire to give guests an extraordinary atmosphere for a special night on the town.

Cirque Musica Phoenix Symphony Hall, June 6th – 7th 602.495.1999 | PhoenixSymphony.org Take a journey to a faraway land of dazzling beauty and mystery! Cirque Musica combines the grace and tricks of circus performers with the symphonic sounds of classical and pops repertoire. You’ll be on the edge of your seat experiencing an action-packed display of talented acrobats, high-flying aerialists, strong-men and more performing alongside our own Phoenix Symphony. Cirque Musica features top circus performers from around the world including veterans of Ringling Bros., Barnum & Bailey and Cirque du Soleil.

I N S A LT WAT E R

Dive-In Movie in Your Own Backyard

Dive-in movies aren’t just for resorts and cruises anymore. Kimberly Hufford of Sincerely Style parties and event planning says, “You can throw a dive-in movie pool party in your own backyard that everyone will be raving about all summer long!” Rent an inflatable movie screen and projector from places such as AZBouncePro.com or FunFlicks.com.

Have several tubes and air mattresses for guests to float around the pool while enjoying the movie.

If you have grass, you can lay out picnic blankets in addition to the patio seating.

Fire up the barbeque, and create concession stations for adults and kids.

“A popcorn or cotton candy machine is a real crowd pleaser,” adds Hufford,

One thing is for sure here in Arizona: Life is a lot cooler with a swimming pool in your backyard! Maybe you’re thinking of building a pool or you already have your own backyard oasis. Either way, you may be considering a saltwater pool, which are growing in popularity here in Arizona and around the country. But what are the advantages of a saltwater pool instead of a traditional chlorine pool? Just remember the three Cs if you make the switch: chemicals (as in fewer!), comfort, and cost.

First, you’ll use fewer chemicals if you choose a saltwater pool. With a saltwater pool, the chlorine is produced naturally through a chlorine generator cell (yes, there still is chlorine in a saltwater pool but homeowners don’t have to add chlorine throughout the season). And that means less dangerous chemicals and less work! It’s not, however, completely maintenance-free. You will still need to check Ph levels to ensure the water is safe for swimming and you may periodically need to add salt. All-in-all, with a saltwater pool, you will have fewer chemicals around your house, in your hands, and in your pool. Definitely, a more earth-friendly option.

Next, comfort. If you suffer from red, itchy eyes and skin and discolored (dare we

“and can be rented from a vendor such as ArizonaBounceAround.com.”

Refreshments such as slushies or snow cones are a big hit with the kids while a margarita or frozen mudslide machine is a popular choice in quenching the thirsts of adults during hot summer nights.

Try MrMargaritaPhoenix.com.

What timeless summer flicks are in order? How about the classics such as Jaws, Uncle Buck, National Lampoon’s Vacation, Summer School, Meatballs, or Stand By Me. For more party ideas or help in planning an event, check out facebook.com/SincerelyStyle.

Pampered Resort-Style Pool Party

Perhaps the lux life is more your style. Kick up the cool-pool factor this year by taking a few pampering cues from your favorite resort. Create a spa-like atmosphere with soothing music, luxurious lounging, and all the special touches that make a day at the pool something special.

How about a respite from the sun with an open Moroccan-style cabana tent? Add a mini-fridge, books

and magazines and even cooled washcloths from the freezer to soothe hot foreheads. Impress guests with trays of frozen melon balls and berries.

And for drinks, slices of lemon, lime, kiwi or pineapple frozen into ice cubes will add to the experience. Don’t forget festive drink umbrellas and tropical straws for no-strain sipping!

Lastly, why not hire some service providers to give spa treatments poolside? From manicures and pedicures, to a neck and shoulder massage, you’re sure to make your pool party one to remember. In fact, you may have guests that never want to leave!

Staycations and Getaways

If you’re looking for a quick getaway without flying or driving far, consider taking advantage of the great incentives that local resorts offer to

residents during summer months.

Check your car at the resort valet, and stay & play for a weekend!

Take the kids sliding down a waterslide, float around a lazy river, relax with a massage, or take in a round of golf. Enjoy dinner at one of the fine dining restaurants on premise and pretend you’re someplace far, far away!

Looking to get out of town? Within a few hours, you could be in a cooler climate boating on a lake or lounging at a cabin in the pines. VRBO.com is an excellent source for weekly cabin rentals in Arizona towns that are ten to thirty degrees cooler. B&B’s also offer a charming way to stay and meet new friends. Explore a town you’ve never been to. Try an activity you’ve always found intriguing. Whatever you do this summer, make it a hot one to remember!

say green?) hair from swimming in a traditional chlorine pool, you’ll love how soft and smooth your skin and hair will feel after diving into a saltwater pool. Opening your eyes underwater in a saltwater pool is actually possible without your eyes

TEMPURA ROCK SHRIMP WITH SPICY YUZU SAUCE

burning. Nor will you have to endure that chlorine smell which can be overwhelming at times.

Finally, cost. Although the initial price-tag of installing a chlorine generator will cost in the neighborhood of one to several thousand dollars, in the end, you can save money. After all, it can cost hundreds of dollars just for chlorine and chemicals to maintain a traditional chlorine pool for one season. With a saltwater pool, your water will stay crystal-clear, clean, and free of algae with perhaps only the addition of a few bags of inexpensive salt.

Converting from a chlorine pool to a saltwater system is a relatively simple process that can be done by most pool service and installation companies. It’s a matter of cutting into the pool’s plumbing and installing the chlorine generator cell, as well as hooking the unit up to the electrical system. Keep in mind, however, that a chlorine generator will have to be replaced approximately every seven years. Also, there may be some concern that the salt water could damage some rock landscaping and decking, so be sure to consult with an expert if you are considering making the switch.

Also, specific brands of chlorine generators work best in Arizona’s hot, dry climate.

So be sure to consult with your pool service professional for the proper selection and installation advice. Happy swimming!

Your Home

INGREDIENTS: 30 oz. rock shrimp (12-18 shrimp per serving) 2 cups tempura batter fine sea salt Togarashi (Japanese chile blend)

Local Flavor!

AmeriCAN Canned Craft Beer Festival Scottsdale Civic Center, May 18th 480.234.4232 | CannedCraftBeerFest.com SanTan Brewing presents the 3rd Annual Ameri-CAN Canned Craft Beer Festival supporting and celebrating the craft beer movement. Come out to experience the Craft Can award ceremony, live entertainment, delicious food, VIP quarters, nano beer garden, Beer Olympics and over 150 local and national beers celebrating the canned craft beer revolution. A portion of the proceeds benefit the Scottsdale Cultural Council.

Summer’s on its way and with it, our daydreams turn to beach escapes and cool getaways. But if you’re like most Phoenicians, disappearing for three or four months isn’t doable. Don’t fret however. Here we’ve got some ideas to make your Valley summer one to remember!

SAUCE: 1 cup mayonnaise 2 oz. Yuzu Kosho 1 oz. Yuzu juice 1 oz. Srirachi sauce 1 tsp. minced serrano chile salt & pepper

Featuring Geisha A Go Go 480.699.0055 | GeishaAGoGo.com

GARNISH: 2 oz. red Tobiko caviar 2 oz. yellow Tobiko caviar 1 oz. micro cilantro 1 oz. micro chive 1 oz. black sesame seeds

De-vein shrimp and pat dry, then coat with tempura batter and fry until golden brown.

Place in mixing bowl. Season with salt and Togarashi. Stack shrimp in a row, side by side, then on top like a long pyramid.

Apply sauce in a zig-zag pattern over the top. Sprinkle with micro chives, micro cilantro and black sesame seeds. Finish with caviar.

Serves 4

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