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more down payment and a better credit score than owner-occupied home loans, Realtor.com noted.

Lenders look closely at a borrower’s debt-to-income ratio.

“Lenders look carefully to ensure that second-home buyers are financially capable of paying two mortgages,” Realtor.com said.

In a move strongly opposed by NAHB, the Federal Housing Finance Agency in April increased upfront fees that Fannie Mae and Freddie Mac charge for second home mortgage loans and certain high balance mortgage loans that exceed standard conforming loan limits.

The fees significantly increased the purchase cost of a second home and some homes in high cost areas, the association said.

Fannie Mae and Freddie Mac increased the upfront fees for mortgage loans

MERWIN fRom page Re5 a row of trees along the rest of the perimeter.

The Planning and Zoning Board recommended approval to rezone and combine the two agricultural lots into singlefamily residential zoning.

Meanwhile, during a hearing on a proposal to subdivide about 11 acres owned by Central Christian Church at Lindsay and Brown Roads into 28 lots for single family homes, one of Mesa’s prominent land use attorneys addressed the board.

But Reese Anderson, an attorney with Pew and Lake, spoke to the board this time as a neighbor and not a project representative.

The proposed Estates at Encanto happen to sit adjacent to Anderson’s home, and he was there to say, “yes” in my back yard.

“I thought it would be fair … just to stand as a neighbor and citizen of Mesa to voice my support for this,” Anderson said.

“Good projects deserve support, and I thought for someone in my position who usually is standing here advocating for projects with neighbors opposing, that it would be right for me to turn around and say where I see good projects, I should support those,” he continued. on second homes between 1.125% and 3.875%. Fees vary based on the loan-tovalue ratio.

Under the plan, the buyer of a second home with a $300,000 mortgage loan amount and loan-to-value ratio of 65% will pay an additional fee of $4,875 if their mortgage is acquired by Fannie Mae or Freddie Mac. Prior to the two agencies’ move, the same buyer would pay no additional fee for the comparable mortgage.

Pew and Lake have represented some controversial rezoning cases recently, including the rezoning of the Power Road Food Park for townhomes, which neighbors in the large-lot subdivision adjacent opposed.

Anderson also represented the 359unit Ascend at Longbow apartment complex and mixed use development, which was approved by city council in April over fierce opposition from the Ridgeview neighborhood.

Anderson’s support at the hearing appeared designed to show that even when a project directly affects his house, he can get behind it – at least when the proposed density is similar to the bordering neighborhood, as is the case with Estates at Encanto.

The average lot size of Encanto will be almost a quarter-acre.

Many of Mesa’s recent rezoning cases that have caused neighborhood outcry have involved proposals for projects with significantly higher density than the surrounding areas.

Another neighbor of Encanto supported developing the land, but worried that there was only one entrance and exist for the 28-home subdivision, among other issues raised.

The subdivision plat passed 5-0. 

re7

“With the nation in the midst of a housing affordability crisis and many more workers electing to telework, this is exactly the wrong time for federal regulators to be raising fees on homeownership and second homes,” said NAHB Chairman Chuck Fowke.

“If FHFA is truly interested in promoting housing affordability, the agency would not be taxing home buyers to pad the capital positions for Fannie Mae and Freddie Mac.” 

Rob Castellini MendozaTeam.com

Club West

5 BR / 3 BA / 2,736 SQ FT Spacious former UDC model home with South Mountain views. Private backyard with large pool.

Listed for $645,000

NEW!

Ahwatukee Custom Estates

5 BR / 3.5 BA / 5,079 SQFT Impressive custom with mountain views. Abundant amenities including professional sport court in private backyard.

Listed for $1,475,000

Ahwatukee Custom Estates

3BR / 3 BA / 2,166 SQFT Split master suite plus secondary bedroom could be a separate guest suite. 2015 kitchen remodel and AC.

Listed For $749,500

SOLD!

Ahwatukee Custom Estates

5 BR / 4.5 BA / 4,820 SQFT Custom home in the heart of Ahwatukee with ensuite bathrooms and 2021 exterior paint.

Listed for $1,395,000 SOLD!

SOLD!

Ahwatukee’s #1 Team for Over 30 Years

Mike Mendoza 602-430-3917

Sanctuary

5 BR / 5 BA / 6,455 SQFT Stunning panoramic views from privately gated luxury retreat with casita on elevated preserve lot.

Listed for $1,950,000

Summerhill Estates

5 BR / 4.5 BA / 4,405 SQFT Superb mountain views from single-level custom with 2022 interior paint and 2019 HVAC.

Listed for $1,450,000

Ahwatukee Custom Estates $1,375,000

SOLD!

Pristine & classy single-level gated tuscan estate! stunning curb appeal w/amazing south mountain views. Grand foyer, entertainment room w/full wetbar & scotsman icemaker, formal dining, family room w/canterra fireplace, kitchen incs :slab granite,alder cabinets,s/s wolf appliances,gas cooktop,miele dishwasher,copper sinks,island, & subzero, most amazing custom stonework ever seen in ahwatukee consisting of marble,canterra,travertine, & granite, large master ste w/sitting area & 2 separate full baths, his/her alder & cedar lined closets, guest suite-2nd master w/ensuite bath & courtyard, extremely private backyard w/covered patio, pebbletec pool w/waterfalls, firepots, firepit, grassy play area, & fully equipped outdoor kitchen, fruit trees inc: apple, orange, lemon, & lime, this dream estate has it all!

Canyon Verde $899,000

SOLD!

The best view lot in all of club west!!! this stunning custom gated estate in canyon verde has the best privacy & views you will find in ahwatukee*grand foyer*formal living & dining room*executive office*kitchen includes: custom cabinets w/ antiquing, s/s appliances, cooktop, island, breakfast bar, pendant lighting, & walk-in pantry*butler’s pantry w/wine fridge*family room w/fireplace*upgraded fixtures throughout*large master suite w/sitting area*master bath w/jetted tub, snail shower, & spacious closet*guest suite w/separate entrance*all secondary bedrooms are large*paradise perfect backyard w/covered patio, pebbletec pool & spa, firepit, built-in bbq, flagstone, and putting green*oversized garage w/epoxy & built-in cabinets*this custom estate is a dream opportunity! welcome to paradise!! $1,339,000 SOLD!

Pristine & Classy Gated Estate On A Premium 2/3 Acre Hillside Lot, Private Cul-De-Sac, 6 Bedrooms, 4.5 Baths, 5200 Sqft Of Pure Luxury Finishes, Stunning Views In Every Direction, Iron Door, Butted Glass Windows In Entry & Kitchen, Custom Window Treatments, Decorator Paint, Dome Ceiling Foyer & Groin Vaulted Ceilings In Living Room, Travertine & Hardwood Floors Throughout, 7-Inch Baseboards, Media Room, Dream Kitchen Includes S/S Appliances, Slab Granite Counters, Alder Cabinets, Huge Island, Walk In Pantry, Large Master Suite W/Stone Fireplace, Master Bath W/Jacuzzi Tub, 3 Vanities & Snail Shower, Paradise Backyard W/Travertine In Versailles Pattern, Turf Grass, Pebbletec Pool/Jacuzzi, 4 Water Features, Large Covered Patio, Stacked Stone Bbq, 4 Car Garage W/Epoxy & Storage! Your Dream Estate Awaits!!

Mountain Park Ranch $679,000

5 bedroom/ 3 bath, 3,506 Sq Ft, Cul-de-sac location with huge backyard, sports court, built-in BBQ, mature shade trees, very private backing to wash. Good size bedrooms, master downstai5. Features a large office with balcony, plus office/loft with built-in bookcase and 3 full baths. Th� home is perfect for family gatherings This one is a show stopper!!! over 4200sqft of luxury on a preserve hillside lot in a cul-de-sac, 5 bedroom, 3.5 bath with a bonus room, formal living & dining room w/soaring ceilings, family room w/fireplace, kitchen includes:s/s appliances, and entertaining. Can be previewed with 24 hour notice and appointment only. slab granite, island, & recessed led lights, breakfast nook, gigantic master bedroom with the most amazing preserve views, custom master bath w/walk-in shower, freestanding tub, his/her vanities, & large walk-in closet, all bedrooms are extremely large with walk-in closets, views from every room, laundry room w/built-in cabinets & sink, extended length 3 car garage w/ epoxy, guest bedroom downstairs, paradise backyard w/covered patio, grassy play area, firepit, & custom new pool & jacuzzi 2020, this amazing home is truly stunning and checks all of the boxes!!

Donna Leeds GRI, ABR 949.310.5673 www.GenoRoss.com TOP REALTOR® � lf"fl!

SOLD!

wwwBestAgentWUSA.com

$1,750,000

SOLD!

Amazing Remodeled Custom Estate with mountain views located at the end of a cul-de-sac.Over 8000sqft of pure luxury finishes.6 Bedroom,5.5 Baths.Custom Kitchen.Elevator.Executive Office.Basement Media Room.Dance Studio.Huge Backyard with Pool, Jacuzzi, Turf, BBQ, Sportcourt.This Spectacular Estate has it all!!!

Foothills $499,000

#1

One of the most amazing lots available in ahwatukee!! Located in foothills mountain ranch estates!! Over 5 acre hillside lot with stunning mountain views from every direction*build your dream custom estate or build multiple homes on this sight*zoned r3*the possibilities are endless on this rare opportunity*there is not another piece of land in ahwatukee that offers this many buildable acres*no hoa*located at the end of a cul-de-sac*be the king of the hill with views all the way to four peaks*plans available and other custom home options available from a well know ahwatukee custom home builder*do not miss this amazing hillside lot in an amazing location!!!!

Ahwatukee Agent 2020

Geno Ross 602.751.2121

Foothills Reserve

DONNA LEEDS • 480.893.0600 • AHWATUKEEMANAGER@WESTUSA.COM

Sun Groves/Chandler Chandler Thunderbird Farms South

$585,000 $525,000 $549,900

GORGEOUS HOME!! 3 bedroom 2.5 baths 2,469 sq ft. Soaring ceilings as you enter the Formal Living and Dining Area. Kitchen is a Cook’s delight-upgraded staggered Oak Cabinets with Crown molding and Corian Countertops with Island, Gas Stove. Bright Breakfast Nook overlooking beautifully maintained Backyard and Views of Preserve. Nice Loft upstairs and Tons of Natural Light and Mountain Views from Upstairs Bedrooms. Upgraded Ceiling Fans, Sparkling Play Pool with Rock Water Features highlights the amazing Lot position with no rear neighbors and a beautiful backdrop of Desert Preserve! Jenifer Bulfer 480-297-6968 jbulfer@westusa.com

This beauty is conveniently located near parks, schools, and shopping spots. Discover a welcoming interior with a carpeted living and dining room, a neutral palette, archways, and lots of natural light great for interior plants. Practice your cooking skills in this well-kept kitchen fully equipped with built-in appliances, recessed lighting, plenty of counter space, honey oak cabinets, and a center island with a breakfast bar. Host fun gatherings in this grassy backyard with a covered patio and so much more. Marty Griffin 602-692-7653 martygriffin@q.com

Immaculate, Move-In Ready Home That Has Split 3 Bedroom, 2 Bath w/ A Great Room. Highly Upgraded Including Bay Windows In Both Dining Area & Master Bedroom. Granite Counter Top & Upgraded Raised-Panel Maple Cabinets w/ Crown Molding In Kitchen & Laundry, Gas Fireplace In Great Room, Pre-Wired For Security, R.O. System, Plantation Shutters, Ceiling Fans, Vaulted Ceiling In Living Area & Master, 2’ Extension In Garage w/ Built In Cabinets, RV Gate, Landscape Professionally Done w/ Grass & Curbing Plus Extra Sidewalk In Back & Around The Side, Corner Lot Backing Common Area.

5 bedroom/ 3 bath, 3,506 Sq Ft, Cul-de-sac location with huge backyard, sports court, built-in BBQ, mature shade trees, very private backing to wash. Good size Marty Griffin bedrooms, master downstai5. Features a large office with balcony, plus office/loft with built-in bookcase and 3 full baths. Th� home is perfect for family gatherings 602-692-7653 and entertaining. Can be previewed with 24 hour notice and appointment only. martygriffin@q.com

5 bedroom/ 3 bath, 3,506 Sq Ft, Cul-de-sac location with huge backyard, sports court, built-in BBQ, mature shade trees, very private backing to wash. Good size bedrooms, master downstai5. Features a large office with balcony, plus office/loft with built-in bookcase and 3 full baths. Th� home is perfect for family gatherings and entertaining. Can be previewed with 24 hour notice and appointment only.

Donna Leeds GRI, ABR 949.310.5673 � lf"fl! Donna Leeds GRI, ABR 949.310.5673 � lf"fl!

wwwBestAgentWUSA.com wwwBestAgentWUSA.com

Ahwatukee Retirement Community Maricopa Ahwatukee $580,000 SOLD!

Custom home on flat 3.3 acres with horse arena and room to roam. City water! Custom Santa Fe style 4 bedroom with tons of upgrades. Travertine tile galore, family room and other bedrooms also have tile. Kitchen has been upgraded with quartz counter tops, white cabinets and all stainless steel appliances convey. Custom doors and woodwork throughout home. Also, lots of tile work in bathrooms and other upgrades. Over $30,000 spent on upgraded doors and windows.

Carlos Martinez 480-751-8866 teammartinez11@gmail.com

Copper Creek

$457,500 SOLD!

Home backs up the 8th Fairway of the Ahwatukee Country Club with great view of South Mountain. Close to Golf, Restaurants, Shopping, the I-10 and Medical Facilities. Sit on your extended covered patio and watch the sun set. Enjoy all the amenities of the Ahwatukee Recreation Center with a large outdoor pool, heated indoor saltwater pool, Sauna, Spa, Gym, woodworking shop and more! Troy Royston 480-435-3461 troyston61@gmail.com $399,500

Home, sweet meticulously maintained home! 4 bed ‘’plus’’ a den and 3 bath! All nestled on a giant quiet cul-de-sac lot. Beautiful bright living area showcasing neutral tile flooring, designer palette, dramatic vaulted ceilings, arched doorways, & sliding glass doors leading to the giant backyard. The spotless kitchen boasts a plethora of wood cabinets with crown moulding, recessed lighting, built-in desk, & a center island with a breakfast bar. Double doors open to the primary bedroom featuring newer soft carpet, newer plantation shutters, a private bathroom, & a walk-in closet. Backyd w/ covered patio, built-in BBQ, & an impressive putting green. Apx 1/4 of Acre lot. Greenbelt across street. Two Community Pools. Mike Foley 480-216-7878 mikefoley.homes@gmail.com $380,000 SOLD!

Welcome to this gorgeous neighborhood! This kitchen is ready for cooking with ample counter space and cabinets for storage. Well placed windows create a bright and welcoming interior. Bedrooms offer ceiling fans, sizable closets, and plenty of natural light. Head to the backyard for the perfect private area to enjoy the outdoors. Entertain on the covered back patio, perfect for barbecues. Jill Ostendorp 480-678-7308 jillo@homesbyjillo.com $369,000

Gorgeous newer build with a spectacular back yard for your family! TLC abounds with many upgraded features: Hi-end plantation shutters, newer appliances, new paint, stunning cabinets and completely re-landscaped front and back. Enjoy those family great times in the highly upgraded north-facing back yard. Custom Sunburst shutters, dual pane windows and newer AC. Large Master suite with Beautiful Bay Window & Walk-in closet provide plenty of room for your bedroom set & sitting area. Nice views of the South Mountain Preserve.

Link Paffenbarger 602-989-7221 linkpaff@gmail.com

25 Music teacher creates Esperanza Shark Strummers

BY NICOLE ASHTON

AFN Guest Writer

Once a week after school, the hallways of Kyrene de la Esperanza are filled with the sounds of plucked ukulele strings emanating from music teacher Dr. Jessica Van Oostrom’s classroom courtesy of the Esperanza Shark Strummers.

After being awarded $2,500 from the 2021 Fiesta Bowl Wishes for Teachers grant program, Van Oostrom was able to purchase a classroom set of the stringed instruments and formed the Shark Strummers.

“Ukuleles are a fun way to teach harmony and the string family,” said Van Oostrom. “I didn’t have a string instrument to teach at the elementary level, so I wrote a wish to the Fiesta Bowl Wishes for Teachers, and I won!”

So far, the group has learned four chords and six songs since beginning in September 2022. Fifth grade students Rylee and Colbie Salazar joined the group because they were curious about the unique instruKyrene music teacher Dr. Jessica Van Oostrom created the Esperanza Shark Strummers with the help of new string instruments she bought with a Fiesta Bowl Wishes grant. (Courtesy of

Kyrene School District)

ment and knew it would be a fun way to spend time with their friends after school.

“I joined because I wanted to see how interesting ukulele would be, and I also wanted to have fun with my friends,” said Rylee.

In addition to the Shark Strummers, the sisters are members of Kyrene de la Esperanza’s mallet band as well.

“I love Dr. V and I think she’s the best music teacher ever,” said Colbie. “I love music and wanted to get involved in more musical stuff.”

The students performed for the first time in front of their classmates on last month/. The setlist included classic winter songs, including “Jingle Bell Rock,” “Walking in a Winter Wonderland” and “Frosty the Snowman.”

“Doing the performances is the best part, seeing how excited they are on stage and making a great memory with them has been the best,” said Van Oostrom.

The Esperanza Shark Strummers are just one example of how Kyrene teachers put grant dollars right back into the classroom, in service to students. Van Oostrom received the Wishes for Teachers grant in 2021. Six Kyrene educators received the grant in 2022. 

ARC slates history series as part of 50th celebration of its founding

In 1970, only farms west of I-10 south of Phoenix when California developer Randall Presley bought a few thousand acres and began Ahwatukee with a golf course and a senior activities center. Homes were sold in senior, adults-only and family areas.

That center, now called the Ahwatukee Recreation Center, will host Ahwatukee historian and author Marty Gibson and several characters involved in those early days at 2 p.m. Jan. 21 at the center, 5001 E. Cheyenne Drive. Gibson has authored two books on Ahwatukee history.

In a panel discussion, Gibson and guests will reminisce about those days, including the construction of the “House of the Future” on Equestrian Trail that drew busloads of tourists from the airport who conveniently were driven slowly through the model homes on Mesquitewood Trail so that the they might be enticed to buy in the new development.

The public is invited to the free presentation, which is part of the ARC’s celebration of its 50th anniversary.

History sessions will also be held in February and March to highlight the pioneer residents and merchants in Ahwatukee. All sessions will be free.

Ahwatukee financial planner Joseph Ortiz offering luncheon discussion

noon Jan. 13 at VaBene Italian Cuisine, 4647 E. Chandler Blvd., Ahwatukee.

He will discuss some key topics facing investors today amid inflation and the Federal Reserve’s efforts to curb it.

To reserve a seat, contact him at 480-7523-7664 or email joseph.ortiz@edwardjones.com by Jan. 6.

AROUND AHWATUKEE

Ahwatukee Kiwanis Club announces coming guest speakers

The Kiwanis Club of Ahwatukee has announced a full roster of speakers for its weekly breakfasts at 7 a.m. Thursdays at Biscuits Restaurant in the Safeway Plaza on the southwest corner of Elliot Road and 48th Street.

Speakers include: Jan. 19, Paul Maryniak, executive editor of the Ahwatukee Foothills News; Jan 26, a speaker from Helping Hearts; Feb. 9, Jeff Parent, Ahwatukee Little League; Feb. 6, Kevin Robinson, Phoenix City Council candidate; March 9, Mary Adams, of Mountain View Lutheran Church; and March 16, Juan Te Dailey, of D Squared Homes for the Homeless.

Ironwood Library offers a range of free activities for all ages

Ironwood Library, 4333 E Chandler Blvd., Ahwatukee, presents a variety of programs for children, teens and adults. Unless otherwise noted, free tickets are required and available 30 minutes before programs’ start times at the library’s information desk. For more information: phoenixpubliclibrary.org. Babytimes

Babies ages birth to 23 months, accompanied by a favorite adult, will enjoy songs, rhymes, books, and interactive fun Tuesdays, 10:30-11:10 a.m. Space is limited to 12 families.

Toddlertimes

Toddlers ages 24-36 months, accompanied by a favorite adult, will enjoy songs, rhymes, books, and interactive fun Thursdays, 10:30-11:10 a.m. No Toddlertime Jan. 5. Space is limited to 12 families.

Sit, Stay, Read!

Young readers & listeners can sign up for reading time with a registered therapy dog/handler team. Read with Elsa 4-5 p.m. every Tuesday.

Full STEAM Ahead

Children ages 6-12 can explore hands-on creative ways to design, experiment, and invent Saturdays 2-3 p.m., in this Science, Technology, Engineering, Art and Math (STEAM) program. No program Jan. 7. Space is limited to 10 families. No tickets are required.

Teens: Envision 2023

Teens are invited 4-5 p.m. Jan. 24 to make vision boards – a collage of images or objects that represent their goals – to motivate them all year long. They can bring photos or objects to but it’s not required. All supplies will be provided. No tickets required.

Library Teen Council

Ironwood is looking for teens ages 12-17 who would like to help organize programs, create displays, and improve the library experience for all library users.

Participation offers an opportunity for those wanting experience in a work environment for school, scholarship, or job applications. Online volunteer applications are available at volunteer.phoenix.gov. Under “Browse by Interest” choose “Library,” in the “Keyword” box type “Ironwood,” and complete the appropriate application.

A volunteer coordinator will notify applicants when the first meeting will take place.

Sit and Stitch

Join fellow stitchers and work on your current project on 3-4:45 p.m. today, Jan 4. Knitting, crocheting, cross-stitch, needlepoint are all welcomed. No tickets or registration required.

Next Chapter Book Club

This inclusive community-based book club is designed for people ages 12+ with intellectual and developmental disabilities who have a desire to make friends, explore their community, and read (regardless of current reading ability). This weekly gathering is free and occurs 3:30-4:30 p.m. every Wednesdays.

Registration is required and available in the library or online in the Calendar section of the library’s website.

Book Club

Adult readers 18 and over can meet up with fellow adventuresome bibliophiles to share their thoughts about each month’s selection the 5-5:45 p.m. the first Wednesday of each month.

The book Feb. 1 is “A Woman of No Importance” by Sonia Purnell. 

SPONSORED ADVERTISING CONTENT

AZ zip codes turn up gold for residents

Contents inside sealed Vault Bricks reveal old U.S. coins with added 24 Karat Gold Layering minted nearly 100 years ago are actually being handed over to Arizona residents who find their zip code below; but only those who beat the 48 hour deadline are getting them at just state minimum

“If you live in the state of Arizona you need to find the first three digits of your zip code listed in today’s newspaper announcement and call immediately,” said Laura A. Lynne, Director of Coin and Currency for National Mint and Treasury.

That’s because Arizona residents can really cash in for the next 48 hours. Here’s why. Non-state residents and those who miss the 48-hour deadline must pay $8 per coin, but Arizona residents who take the Vault Bricks cover just the $4 per coin state minimum. That means Arizona residents get all 125 coins with rare 24 Karat Gold Layering for just $500 which is a real steal since non-state residents must pay over $1,000 for each Vault Brick. And it gets even better for those claiming the Jumbo Gold Vault Bricks.

This is all happening because thousands of U.S. residents stand to miss the deadline to claim the gold. Now any resident who finds the first three digits of their zip code listed in today’s publication and calls to verify it gets to claim the Gold Vault Bricks for themselves and keep all the valuable gold found inside.

And here’s the best part. Arizona residents who find the first three digits of their zip code listed in today’s publication are getting Sealed Vault Bricks containing the only Arizona State Gold Bank Rolls known to exist with the exclusive State Restricted Design and each loaded with rarely seen U.S. Gov’t issued Buffalo Nickels layered in valuable 24 Karat Gold by National Mint and Treasury.

“As Director of Coin and Currency for National Mint and Treasury, one of my jobs is to deliver breaking news. And today’s announcement confirming the release of Sealed Gold Vault Bricks to residents of the state of Arizona is as big as it gets,” Lynne said.

“So my advice is this, anyone who gets an opportunity to get their hands on one of these Gold Vault Bricks full of coins issued by the U.S. Gov’t nearly 100 years ago with rare 24 Karat Gold layering from the National Mint and Treasury better jump at the chance while they still can,” Lynne said.

“These Gold Vault Bricks make the most impressive gifts for Christmas, birthdays, graduations, weddings, and any other occasion, especially for that hard-to-buy-for person,” Lynne said.

According to Ms. Lynne, since thousands ■ FLYING OUT THE DOOR: Lucky Arizona residents are hoping to find their zip code listed in today’s publication, but not everybody will. That’s why those who do need to immediately call the State Distribution Hotlines. Everyone who does is authorized to claim sealed Vault Bricks loaded with the only Arizona State Gold Bank Rolls known to exist for the lowest ever $4 per coin minimum set for Arizona residents - non-state residents and those who miss the 48 hour deadline must pay $8 per coin, if any remain.

ARIZONA RESIDENTS: IF YOU FIND THE FIRST THREE DIGITS OF YOUR ZIP CODE BELOW CALL: 1-800-280-4564 EXT: GNH1511

850 852 853 855 856 857 859 860 863 864 865

■ RARELY SEEN: ISSUED BY THE U.S. GOV’T NEARLY 100 YEARS AGO ■ VALUABLE: RARE 24 KARAT GOLD LAYERING

of U.S. residents stand to miss the deadline to claim the gold, today and tomorrow are intended as a “special 48 hour release” for the benefit of Arizona residents. This gives them a fair chance to claim the Sealed Gold Vault Bricks and all the valuable gold loaded inside for themselves.

But, Ms. Lynne added, “The Sealed Gold Vault Bricks are only available as inventory permits during the special 48 hour release so please do not miss the deadline.” The director added, “We have no power to stop coin dealers, resellers or collectors buying up all the Gold Vault Bricks they can get their hands on,” Lynne said. ”We already know the phones will be ringing off the hook. That’s why hundreds of agents are standing by to answer the phones beginning at 8:30am this morning. We’re going to do our best, but with just 48 hours to answer all the calls it won’t be easy. So make sure to tell everyone to keep calling if all lines are busy. We’ll do our best to answer them all,” Lynne said.

“That’s why National Mint and Treasury set up the State Distribution Hotlines in order to make sure residents of Arizona can get them now,” Lynne said.

The only thing readers of today’s newspaper publication need to do is make sure they live in one of the zip codes listed and call the State Distribution Hotlines before the special 48 hour deadline ends midnight tomorrow. ■

Answering Your Questions

Q: How much are the Gold Vault Bricks worth?

A: It’s impossible to say, but these Buffalos date clear back to the early 1900’s and are not ordinary U.S. coins. That’s because only an extremely low percentage of Buffalos were then commissioned by National Mint and Treasury to be covered with rarely seen 24 Karat Gold Layering, then sealed and protected in brilliant collector condition inside special 25 count Arizona Bank Rolls. That’s why you better hurry if you want to get your hands on them. Collector values always fluctuate and there are never any guarantees. But we do know they are the only Arizona State Bank Rolls known to exist. So anyone lucky enough to get their hands on these sealed Vault Bricks should hold onto them because there’s no telling how much they could be worth in collector value someday.

Q: Why are so many Arizona residents calling to get them?

A: Because they are the only Arizona State Bank Rolls known to exist we’re bracing for the flood of calls. These are not ordinary Bank Rolls. These are full Bank Rolls containing 25 Buffalos dating clear back to the early 1900’s. Best of all each Buffalo is layered in 24 Karat Gold and the state minimum set by National Mint and Treasury is restricted to Arizona residents who find the first three digits of their zip code listed in today’s publication and beat the deadline only. That means Arizona residents cover only $4 per Buffalo when they claim the Gold Vault Bricks, which is just $500 for the next 2 days.

Q: How do I get the Gold Vault Bricks?

A: The only thing Arizona residents need to do is find the first three digits of their zip code in today’s publication and call the State Toll-Free Hotline at 1-800-280-4564 Ext. GNH1511 before the deadline ends. Everyone who does is getting the Bank Rolls for just the state minimum. That’s a sealed Gold Vault Brick containing the only Arizona State Bank Rolls known to exist each loaded with the rarely seen U.S. Gov’t issued Buffalo Nickels layered in valuable 24 Karat Gold for just the $4 per coin state minimum set by the National Mint and Treasury, which totals just $500 for the full sealed Gold Vault Brick. That’s a real steal because state residents and non-state residents who miss the deadline must pay $1,000 for each sealed Gold Vault Brick if any remain.

■ FIRST LOOK INSIDE GOLD VAULT BRICKS: Shown above is a sneak peak inside the Gold Vault Bricks. The Gold Vault Bricks are loaded with Arizona State Gold Bank Rolls containing U.S. Buffalos each layered in 24 Karat Gold. The phone lines will be ringing off the hook beginning at precisely 8:30 am this morning. That’s because Arizona residents can really cash in for the next 48 hours. Here’s why. Non-state residents and those who miss the 48-hour deadline must pay $8 per coin, but Arizona residents who take the Gold Vault Bricks pictured above cover just the $4 per coin state minimum. That means Arizona residents get all 125 coins with rare 24 Karat Gold Layering for just $500 which is a real steal since non-state residents must pay over $1,000 for each Gold Vault Brick. And it gets even better for those claiming the Jumbo Gold Vault Bricks.

NATIONAL MINT AND TREASURY, LLC IS NOT AFFILIATED WITH THE U.S. MINT, THE U.S. GOVERNMENT, A BANK OR ANY GOVERNMENT AGENCY. IF FOR ANY REASON WITHIN 30 DAYS FROM SHIPMENT YOU ARE DISSATISFIED, RETURN THE PRODUCT FOR A REFUND LESS RETURN POSTAGE. THIS SAME OFFER MAY BE MADE AVAILABLE AT A LATER DATE OR IN A DIFFERENT GEOGRAPHICAL LOCATION. OH RESIDENTS ADD 6.5% SALES TAX. NATIONAL MINT AND TREASURY, PO BOX 35609, CANTON, OH 44735 ©2022 NATIONAL MINT AND TREASURY. R1102R-1

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