December 27, 2013 by Voice Magazine / CASA

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Melinda Burns talks with Steve Albion in Mission & State's The Quiet Revolution 5

Friday, December 27, 2013

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Join Cheri Peake and Elizabeth Rabe de Fernandez for a walk-thru tour of Channing Peake-Beyond Cubism, The Anne and Walon Green Collection at the Channing Peake Gallery 21

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Courtesy Photo

Photo by Priscilla, SantaBarbaraSeen.com

Photo by Melinda Burns

CasaSB.com

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Peter Jordano, Man of the Year, and Janet Garuﬁs, President Montecito Bank and Trust, Large Business of the Year, at Goleta's Finest Awards 22

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Carpinteria Playhouse Theatre will screen the classic Mary Poppins on Saturday, December 28th

�� The Ticket: A SB Calendar. . . . . . . . . . . . 6-7 A Welcoming City? by Mary Watkins. . . . . 8 Rediscovering New Year's by David Grossman. 9 Music Preview with Daniel Kepl. . . . . . . 9 Local Lens with Priscilla. . . . . . . . . . . . . 14 Open House Invitations. . . . . . . . . . . . . . 17 Tech with Gary Woods. . . . . . . . . . . . . . . 17 Finance with Harlan Green. . . . . . . . . . . 18 CASA Classifieds. . . . . . . . . . . . . . . . . 18-19 Local Interest Rates. . . . . . . . . . . . . . . . . 1 9 Galleries & Art Venues. . . . . . . . . . . . 20-22 SBIFF Volunteer Op. . . . . . . . . . . . . . . . 2 3

Meet Tracy Shawn, author of The Grace of Crows, during 1st Thursday16

Conductor Bob Bernhardt will lead the Santa Barbara Symphony and audience in a New Year's Eve pops celebration 9

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�� CASA cover home see page 2

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Timothy Walsh

805.259.8808 tim@villagesite.com www.TimWalshMontecito.com License #00914713 ��

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�� BOBLAMBORN.COM BOB.LAMBORN@SOTHEBYSHOMES.COM

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FINE PROPERTIES PRESENTED BY GREGG L EACH SO

AUTHENTIC & BEAUTIFUL W/OCEAN VIEWS MONTECITO OFFERED AT $10,495,000

OCEAN VIEWS & PRIVACY HOPE RANCH NEWLY OFFERED AT $$4,995,000

5 BED, 5.5 BATH MAIN HOUSE, 1 BED GUEST HOUSE, 5 CAR GARAGE ON 11+ ACRE

4 BEDROOM HOUSE + 1 BED GUEST HOUSE, 4 CAR GARAGE, POOL & POOL HOUSE

G REGG L EACH

OCEAN & MOUNTAIN VIEW CONTEMPORARY SANTA BARBARA OFFERED AT $1,695,000

805.886.9000 • gregg@villagesite.com License #: 01005773

3 BEDROOMS, 2.5 BATHS HIGH QUALITY & FINE DESIGN, 1.25+ ACRES

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I WISH ...FOR ALL TIME

SUN

JAN 5 3PM

SPONSORED BY MONTECITO BANK & TRUST, LEXUS AND THE SANTA BARBARA INDEPENDENT

AN EVENING WITH

KATHY GRIFFIN

SAT

FEB 1 8PM

SPONSORED BY MONTECITO BANK & TRUST AND LEXUS

RIDERS IN THE SKY

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IN THE MOOD:

SUN

FEB 23 3PM

SPONSORED BY MONTECITO BANK & TRUST, LEXUS AND THE SANTA BARBARA INDEPENDENT

A 1940’S MUSICAL REVIEW

SUN

MAR 23 3PM

SPONSORED BY MONTECITO BANK & TRUST AND LEXUS

BRAND NEW MEDITERRANEAN VILLA WITH OCEAN, ISLAND & CITY VIEWS! IN! BEST BUY JUST GOT BETTER - READY TO SELL NOW! A G DA

CE PRI

CE U D E

1759 GRAND AVENUE REDUCED TO $1,775,000 ��

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By Melinda Burns An excerpt from MissionandState.org

Por Melinda Burns �� Un extracto de MissionandState.org �� Feeling better: Steve Albion, a diabetic, is �� one of 15 million low-income Americans �� who may be eligible for Medicaid under �� the Affordable Care Act �� Read the complete article at MissionandState.org ��

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Photo by Melinda Burns

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�� Para el artículo completo en Inglés visite: MissionandState.org

N A R R AT I V E J O U R N A L I S M F R O M T H E H E A R T O F S A N TA B A R B A R A

�� (805) 845-0756 • info@missionandstate.org • missionandstate.org

Translated by Jeanette Casillas / CASA

SB ��

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�� 563-6000 • 9:30-11am Su.

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Five chi-gong exercises • Alameda Park • Free • 6837554 • 8-10am Su. ��

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Gather at Cachuma Lake Nature Ctr for guided walks • Free w/ $10 park admission • 688-4515 • 10-11:30am Sat.

Paciﬁc Pride Fdn Ofﬁce, #A-12 • Free • 963-3636 x130 • 4-5:30pm Fri. ��

For children ages 0 to 3 & their families. Builds early literacy skills through music and movement • Central Library • Free • 564-5603 • 10:30am Fri.

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W/ Hector & Dannielle • $15 • info@santabarbaradancecente r.com • 127 W Canon Perdido • 7pm beg.; 8pm Int/Adv, Fri.

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with Taran Collis • La Casa de Maria, 800 El Bosque Rd • $12/8 for $80 • 969-5031 • 9-10:15am Fri. ��

Cottage Rehab Hosp • Free • 569-8999x82101 • 10amNoon Fri.

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A web marketing seminar presented by Taylor Reaume, founder of Search Engine Pros • Verde Restaurant, 532 State St • Lunch/$20 • (800) 605-4988 • 12:30-2pm Fri

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With The Mattson 2 • SOhO • $22 • 962-7776 • 9pm Fri, 12/27.

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Bronfman Family Jewish Com Ctr, 524 Chapala St • 957-1115 x109 • 10:30-11:30am Fri.

Strength, awareness, character & consciousness • Alchemy Arts Ctr, 35 W Haley St • $20 • 899-8811 • 10:30am Su. Continuous enrollment counseling sessions on the Affordable Care Act • Lazy Acres Café, 302 Meigs Rd • Free • 962-0292 • 3-4pm Su.

Kids earn a badge with the help of a Cachuma Park Naturalist • Lake Cachuma • $2 + Park admission • 688-4515 • 12:30-1:30pm Sat.

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SOhO • $12 • 962-7776 • 7pm Su, 12/29.

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Swim from Four Palms to Red Hut • Butterﬂy Beach Stairs • Ocean Duck • Free • 569-1220 • 9am Su.

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At Sino West, 5718 Hollister Ave., Ste 105, Goleta • $11-20 • 967-2983 • 9-10am Sat.

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Carrillo Recreation Center Studio 1, 100 E. Carrillo St. • $11-15 • 897-2519 • 10-11:15am Mon. Carrillo Rec Ctr garden, 100 E. Carrillo St. • $11-20 • 705-3426 • 3-4:15pm Mon.

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SB-based band • SOhO • $10 • 962-7776 • 9pm Sat, 12/28.

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Day trip along the SB Channel & Central Cal coastlines will feature 2 historic rail cars & lunch from the legendary Far Western Tavern • SB/Gol-SLO & return • $79/$89 • 680-0397 • 10am-4:30pm Sat, 12/28.

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With Jeannette B. Love • La Casa De Maria • 969-5031 • donation • 1-2pm Mon.

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Open yourself to the transformative power of contemplative practices • La Casa de Maria, 800 El Bosque Rd • $175/$100 • 969-5031 • 4pm Tues, 12/31-1pm Wed, 1/1.

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Walk the labyrinth & share in quiet meditation • La Casa de Maria, 800 El Bosque Rd • Free • 969-5031 • 10pmMidnight Tues, 12/31. ��

A day of silence, meditation, inspiration & ceremony • La

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Guided breathing • Mahakankala Buddhist Ctr • $5 • 563-6000 • 12:30-1pm Mon/Wed/Fri. ��

Stress-relieving 30 minute meditation practice, followed by a special lunch menu • Alchemy Arts, 35 W. Haley St • $20 • 899-8811 • Mon & Wed.

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Gustafson Dance Studio • $10 • 705-3683 • 8:3010:30am & 11-1pm Su.

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With Jeannette Weisskopf • Alice Keck Park • Free • 452-0706 • 9:30am Su.

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Practice various relaxation techniques • La Casa de Maria • $12 • 969-5031 • 9-10:15am Mon. ��

La Cas de Maria, 800 El Bosque Rd • Donation • 969-5031 • 1-2pm Mon. ��

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SBCH Macdougall Eye Center, 2400 Bath St • Free • 569-8264 • 11:00 am–1:00 pm Mon.

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Yoga Soup • $5-10 • 451-4731 • 10:45-12:15pm Su.

Mahakankala Buddhist Ctr, 508 Brinkerhoff • $10 •

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Practice your Italian • Arnoldi’s, 600 Olive St • Free • parliamo.yolasite.com • 5:30-7pm Mon.

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For kids only, with pizza dinner, pancake breakfast • Santa Barbara Zoo • $70 • 679-8500 • 5:30pm Tues, 12/31-10:30am Wed, 1/1. ��

Bronfman Family Jewish Comm Ctr, 524 Chapala St • $7-$50 • 957-1115 x109 • 3-4pm Tues.

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With S. Dunn • La Casa De Maria • donation • 9695031 • 10:30-11:30am Tues.

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Three mile walk, jog, or run with the Canary Hotel’s dynamic general manager, Caroline Dyal • Canary Hotel, 31 West Carrillo St • Free • 884-0300 • 6:30am Tues.

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www.villagesite.com ��

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www.playingtoday.com

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Purchase Tickets Online www.playingtoday.com

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New Year’s Eve Pops concert with members of State Street Ballet and other surprises • Granada Theatre • $38-$153 • 899-2222 • 8:30pm Tues, 12/31.

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Painting, listening to music & enjoying refreshments • The Barn Gallery, 128 W Ortega, Studio #6 • $30 + canvas fee • 707-391-0400 • 6-9pm Thu.

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New Yeaer’s Eve celebration • SOhO • $100 • 9627776 • 9:30pm Tues, 12/31.

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Mary Poppins will screen at Plaza Playhouse Theater on Saturday, December 28th at 7pm MARY POPPINS: A magic nanny comes to

work for a cold banker’s unhappy family • Plaza Playhouse Theater, 4916 Carpinteria Ave • $5 • 684-6380 • 7pm Sa • 12/28. THE SHOWCASE FILM SERIES: TOUCH OF SIN: Four independent stories set in modern

China about random acts of violence • Plaza De Oro Theatre, 371 S. Hitchcock Way • $9.75/$6.25 SBIFF Members • 963-0023 • 7:30pm Wed • 1/1.

TICKET TO RIDE: Will take ﬁlmgoers on an

exhilarating voyage to the top of the steepest peaks and to the depths of the freshest powder of Iceland’s Troll Peninsula, The Fjords of Greenland, The Alaskan Tordirllos, Montana’s Big Sky country and more • Plaza Playhouse Theater, 4916 Carpinteria Ave • $10 • 6846380 • 7pm Sa • 1/4.

Docent-Led • Granada • Free • RSVP 899-2222 • 121pm Tues.

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With Boogie Knights & The Spazmatics • Chumash Casino, Santa Ynez • Free with Club Chumash card • 686-0855 • 9pm Tues, 12/31.

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Alice Keck Park Memorial Garden on island • Free • 564-1939 • 5-7pm Wed. ��

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Beyond This Moment an evening-length modern dance performance • Center Stage Theater, Paseo Nuevo • $25 • 963-0408 • 8pm Fri, 1/3-4.

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�� Required: 565-5653 • 10am & 2pm Wed & Sat.

Short teachings & meditations. All levels • Mahakankala Buddhist Ctr • $10 • 563-6000 • 6:30-7:30pm Wed.

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Practice your French • Paciﬁc Crepes • Free • 569-1659 • 5:30-7pm, Wed.

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Santa Ynez Valley Cottage Hospital • Free • 694-2351 • Noon-1pm Wed. ��

SB Cottage Hosp • Free • 569-7201 • 10-11am Wed. ��

Cottage Rehab Hosp • $15 • 569-8999x82330 • 1011am Wed. ��

Designed to encourage total well-being • Bronfman Family Jewish Comm. Ctr, 524 Chapala St • Donation • 957-1115 • 10:30-Noon Wed. ��

Dr. Brisby and staff will evaluate • The Training Room, 1 N Calle Cesar Chavez #110 • Free • 6pm Wed.

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Drop-in assistance for downloadable eBook & Audiobooks • Central Library • Free • 564-5604 • 10am-1pm Wed. ��

Organization for the defense & equal rights of SB youth • Casa de La Raza, 601 E Montecito St • Free • info: podersb805@gmail.com • 6-8pm 1st & 3rd Wed.

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Visit the house, gardens & workshop of Montecito’s only National Historic Landmark • $20 • RSVP

Jeanne Martin, Ph.D.

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10 ton of snow, ice skating, music & more • Downtown Carpinteria, 800 block of Linden Ave • Free • 6845405x450 • 10am-3pm Sat, 1/4.

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Weekly one-day Juice Cleanse • Alchemy Arts Ctr, 35 West Haley St • $75 • 899-8811 • 9:30am Wed.

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Carrillo Rec Ctr, 100 E. Carrillo St., Studio 1 • $11-20 • 897-2519 • 10-11am Wed & Sat.

Personalized classes • La Casa de Maria • $12 • 969-5031 • 4:30-5:45pm Wed & 9-10:15am Fri.

Drop-in assistance for downloadable eBook & Audiobooks • Central Library • Free • 564-5604 • 10am-1pm Fri.

Celebrating the genius of Michael Jackson & Stevie Wonder • Granada Theatre • $28-$73 • 899-2222 • 3pm Su, 1/5. ��

19 piece 1930s New Orleans orchestra & cabaret • SOhO • $12/$15 • 962-7776 • 8pm Su, 1/5.

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SBCottage Hosp Central Courtyard • Free • Noon-5pm Wed.

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Black-tie gala dinner honoring Forest Whitacker for excellence in ﬁlm • Bacara Resort & Spa • $275 • -9630023 • 6pm Su, 1/5.

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With Radhule Weininger • La Casa De Maria • donation • 969-5031 • 6–7pm Thu. ��

Alchemy Arts Ctr, 35 W Haley St • $30 • 899-8811 • 5pm Thu. ��

SBCH Macdougall Eye Center, 2400 Bath St • Free • 569-8264 • 2:30-4:30pm Thu. ��

Cottage Rehab Hosp • $15 • 569-8999x82347 • 10-11am Thu. ��

Three mile walk, jog, or run with the Canary Hotel’s dynamic general manager, Caroline Dyal • Canary Hotel, 31 West Carrillo St • Free • 884-0300 • 6:30pm Thu.

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Between Seer and Seen: Celebrating the Artists of Santa Barbara County • Museum of Art Store • Free • 884-6454 • 5-8pm Thu, 1/2.

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Drop-in assistance for downloadable eBook & Audiobooks • Central Library • Free • 564-5604 • 46pm Thu.

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Make new friends • Sojourner Cafe, 134 E Canon Perdido St • Free • 4-6pm Thu.

Courtesy photo

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Casa de Maria, 800 El Bosque Rd • $85 • 310-968-8928 • 10am-5pm Tues, 12/31.

Lauren Wilson Design

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REAL ESTATE REPRESENTATION

Over twenty-ﬁve years of acquiring hard-earned experience and expertise.

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J O H N @J O H N V I L L A R . C O M

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By Mary Watkins, PhD / Special to CASA

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�� Mary Watkins, Ph.D., is a community psychologist and co-chair of the Community Psychology, Liberation Psychology, and Ecopsychology Specialization of the M.A./ Ph.D. Depth Psychology Program at Paciﬁca Graduate Institute. She is co-author of Up Against the Wall: Re-Imagining the U.S.-Mexico Border (to be published by University of Texas Press).

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�� Por Mary Watkins / Especial para la revista CASA �� Mary Watkins, Ph.D., es Psicóloga de la comunidad y co�� presidente de la Psicología Comunitaria, Psicología de la �� Liberación, y Especialización de la Ecopsicología M.A. / �� Ph.D. del Programa Profundo de Psicología en el Instituto Universitario de Pacifica. Es co-autora de Up Against the �� Wall: Re-Imagining the U.S.-Mexico Border / Contra la �� Pared: Re-imaginando la frontera EE.UU.-Mexico (que �� será publicado por University of Texas Press). ��

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Translated by Jeanette Casillas / CASA

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By David Grossman Executive Director SB Symphony / Guest Contributor

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�� Ring in the New Year with Dance and Music! �� David Grossman, Executive Director on the �� Santa Barbara Symphony, is responsible �� for fulﬁlling the Orchestra’s mission and �� achieving its goals for artistic excellence. He has a degree in composition from �� Berklee College of Music and a MBA from �� Pepperdine University, Grossman has been �� a professional musician, served as Senior �� Vice President for Music at Paramount �� Pictures Television, and as Executive Vice President at The Recording Academy, best �� known for the GRAMMY Awards.

For info or tickets call 899-2222 or visit: www.thesymphony.org

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�� Review By Daniel Kepl / CASA

�� Bob Bernhardt, Guest �� Conductor ��

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�� Daniel Kepl has been writing music, theatre, and dance reviews for Santa Barbara publications since he was a teenager. His professional expertise is as an orchestra conductor.

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BEACHFRONT ESTATE $28,000,000 Premier Fernald Pt estate w/ 300ft+/of beach frontage. Estate site w/ plans & foundation plus charming 3bd/4.5bth home. 2 parcels, 3+ acres Riskin Assoc, 805.565.8600

VAST & IMPRESSIVE $27,000,000 Elegant Provincial living just steps from Upper Village on 9 acres. Pool, cabana, tennis, greenhouse, lake, orchards, ocean/mtn views. Riskin Assoc, 805.565.8600

MAJESTIC HOPE RANCH $19,500,000 Enchanting 1929 Reginald Johnson estate on 9 ocean-view acres. 7bd/11bth main house, guest house, apt, lawns, pool, garages for +/-9 cars. Riskin Assoc, 805.565.8600

STATELY ESTATE $17,900,000 6bd Med estate on +/- 3.5 acres in Montecito’s Golden Quadrangle. Stunning grounds, ocean/mtn views, pool, tennis court, 2bd guest cottage. Riskin Assoc, 805.565.8600

FRENCH REGENCY $16,700,000 Gem in Golden Quadrangle of Montecito. Ocean/mountain view. As new 2006 restoration. Richly appointed rooms, 13-seat theatre, so much more! Loyd Applegate, 805.570.4935

PREMIER OCEAN VIEWS $14,900,000 Expansive ocean & mtn views and 20+/acres of unrivaled privacy are just the beginning of this luxurious Montecito Med estates offerings. Riskin Assoc, 805.565.8600

�� JUST REDUCED $6,495,000 Sophisticated rustic compound perched on 5.5 acres with heavenly ocean & valley views. Featured in Arch Digest, 2 parcels w/ 3 structures. Riskin Assoc, 805.565.8600

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SPANISH REVIVAL $13,000,000 Romantic 1929 entertainer’s compound w/ ocean & mtn views, original architecture & multiple guest structures on approx. 3.5 magical acres. Riskin Assoc, 805.565.8600

YOUR OWN RETREAT $12,900,000 Located on Padaro Beach enjoy sunsets & nearly 100 ft. of beachfront. Two legal parcels & two separate dwellings on .75 acre. Surfers dream! Pamela Regan, 805.895.2760

RESORT LIVING $8,990,000 Steps from Upper Village on 1.6 mtnview acres. 5bd main house, 2 guest houses, 2 pools, romantic gardens, extensive outdoor entertaining. Riskin Assoc, 805.565.8600

BREATHTAKING VIEWS $8,500,000 Newer Mediterranean estate with staggering ocean/mtn views on 9+ acres. 4bd/6bth main house, dual masters, infinity pool, 1bd guesthouse. Riskin/Regan, 805.565.8600

FABULOUS SEA MEADOW $6,450,000 Fabulous new listing in the prestigious Sea Meadow enclave. 4bd/4.5bth, beautifully appointed. A rare find in this fabulous seaside community. Gayle Lofthus, 805.689.9011

EXTRAORDINARY ESTATE $5,995,000 On over 5 sprawling acres, rests this extraordinary compound estate with guest quarters & exceptional equestrian facilities. GrubbCampbell.com Natalie/Brian, 805.895.6226

MODERN & SOPHISTICATED$5,900,000 Modern compound property perched atop 20± acres. Jaw-dropping valley views, guest house, 2 pools & just minutes from town GrubbCampbell.com Natalie/Wayne 805.895.6226

TIMELESS DESIGN $5,495,000 Situated down a creek side lane this exceptional quality constructed 4bd/5.5bth Mediterranean Estate sits on 1.44 manicured acres. John Sener, 805.331.7402

CHIC SOPHISTICATION $5,495,000 Contemporary compound on 1+ acre near Montecito’s Lower Village. Ocean/ mountain vistas, lush gardens, two detached guest suites, two pools. Riskin Assoc, 805.565.8600

PRISTINE VIEWS $5,195,000 Enjoy dramatic views from a prime Hope Ranch setting. Unique in presentation and unmatched in quality; an example of true elegance. Natalie/Renee, 805.895.6226

OCEAN VIEWS! $4,995,000 Gated, private Mediterranean style 4bd main house, 2 family rooms & 2 separate offices. 1bd guest house, pool & spa, garages for 4 cars. Gregg Leach, 805.886.9000

IDEAL COMBINATION $4,750,000 Perfectly situated remodeled mini-estate offers quality, sophistication, style, pool, manicured gardens, stunning mountain view, gst. house. Jon Perkins, 805.284.3660

FOOTHILL RETREAT $4,750,000 27.5+/- acre private ranch is nestled in the Carpinteria foothills, offers a European style country home, second house, riding arena & more! Carey Kendall, 805.689.6262

TRADITIONAL MONTECITO$4,695,000 Home & award winning guest hse remodeled by Allen & Assoc, on 1 fenced acre. 3bd suites in main house. Hardwood floors. Pool, sport court. Mary Lu Edick, 805.565.8871

BREATHTAKING VIEWS $4,195,000 Beautiful 3 acre oak studded hillside w/ocean & mountain view. 4bd/5bth + office, gourmet kitchen. Montecito’s golden quadrangle. Don/Cecilia Hunt, 805.895.3833

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VillagePropertiesSB VillageProps

LOOKING FOR SOMEONE $3,500,000 ...to love this home like the owners do. Resort Amenities, Kitchen with 2 FPs & walls that open to the back yard. Charm, character & beauty. Gail/Carey, 805.689.7767

CAPTIVATING ESTATE $3,500,000 Enchanting Montecito estate on a gated acre with guest house. Incredibly spacious with multiple outdoor entertaining areas. GrubbCampebll.com Natalie Grubb, 805.895.6226

STUNNING $3,395,000 3bd/4.5bth, library, office, media room, garage, gourmet kitchen. Stunning 2006 built urban town home in the heart of SB Cultural Center. Tim Walsh, 805.259.8808

TIMELESS, RENOVATED $3,195,000 3 bedroom Mid Century on an acre. Single level, all major rooms facing City & Harbor vistas. Entertaining area w/ fire pit facing the view. Tim Walsh, 805.259.8808

HOLLYWOOD REGENCY $3,150,000 Extensive remodel of home & gardens. 2 large bedroom suites Large gourmet kitchen with dining area. Large terraces over look lush gardens. Mitchell Morehart, 805.565.4546

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MEDITERRANEAN $2,999,000 By renowned builder William Painter. Architectural excellence complimented by custom designer finishes. Gameroom, pool & gourmet kitchen. Darin Guglielmo, 805.698.8260

ALMA DEL PUEBLO $2,500,000 Two bedroom 2.5 bath unit, located in the Center of Santa Barbara’s cultural & performing arts scene is Alma Del Pueblo. Pippa Davis, 805.886.0174

COMMERCIAL INVESTMENT $2,250,000 National Tenant, great lease and income, easy management make this rare in today's market. Marty Rodgers, 805.886.1459

FEELING OF TUSCANY $2,250,000 No detail was overlooked in the intricate design & construction of this authentic villa on an acre with pool. More photos at TuscanVillaSB.com Dianne Johnson, 805.455.6570

JUST REDUCED $2,245,000 Elegant home on approx. 1/2 acre. Sweeping ocean, island views. Close to beach, schools, shops & restaurants. 2 story deck, spa w/ waterfall Terrie Whipple, 805.665.7004

PENTHOUSE $2,150,000 Top floor Penthouse at prestigious El Escorial Villas. 2bd/2.5bth w/ laundry facility, in excellent condition, many recent upgrades. Wayne Barker, 805.637.2948

INCREDIBLE $1,645,000 5bd/3bth home built in 1996. Almost 3,000 s.f. Gourmet kitchen, hardwood floors. Large .79 acre lot, covered patio, numerous fruit trees. Bob Curtis, 805.895.1951

WELL MAINTAINED $1,625,000 2 story 5-plex located just off Linden Avenue across from the Beachwalk condominium complex ~ Close to Beach & Shopping. GrubbCampbell.com Natalie/Brian, 805.895.6226

WONDERFULLY LARGE $1,499,000 Offers many amenities. 2 levels of living areas & large guest retreat too! Garage parking for 4 cars, RV garage, RV hookups & more parking! Louise McKaig, 805.637.4774

ALMA DEL PUEBLO $1,250,000 One bedroom 1.5 bath unit, located in the Center of Santa Barbara’s cultural & performing arts scene is Alma Del Pueblo. Tim Walsh, 805.259.8808

IMMACULATE $1,249,000 Move in ready 3bd/3bth, waiting for the buyer that wants a stylish unique home close to downtown, good school district & coveted location. Ann Harkey, 805.565.8897

STUNNING CONTEMPORARY $1,229,000

Mediterranean with open floor plan, extra high volume ceilings, large scale rooms, deck, spa & lots of light. An entertainer’s delight! John Bahura, 805.680.5175

JUST REDUCED $1,025,000 Single story in Hope School District (Vieja Valley attendance area). Recently updated, added family room, new roof, sparkling pool. Toni/Carol, 805.689.7976

TRANQUIL PARADISE $1,025,000 Enjoy SB lifestyle near beach & 1000 steps. Comfy home w/ fab Mesa location. 3bd/1.5bth, upgraded dual pane windows, remodeled bath. Lynette Naour, 805.705.6539

JUST LISTED $899,000 On a peaceful street in the coveted Hope School District attendance area, this single level home features three bedrooms & two full bathrooms. Susan Pate, 805.895.9385

UNIQUE OPPORTUNITY $895,000 Unique opportunity! 1900’s California Craftsman, wainscoting, molding, coved ceilings. Covered back porch & set back from street. R4 lot, ¼ acre. Natalie/Brian, 805.895.6226

ALMA DEL PUEBLO $855,000 International unit, located in the Center of Santa Barbara’s cultural & performing arts scene is Alma Del Pueblo. McBride Kellenberger, 805.252.2773

MUST SEE! $799,000 Clean & bright Kellogg School area 3bd/2bth. Open floor plan, yard, near the end of a cul-de-sac & bike trail. Location, location, location. Mike Long, 805.304.5664

POLO CONDO $745,000 2bd/2bth, top floor polo condo. Beautiful remodel.

JUST LISTED $695,000 2bd/2bth, Faces 36 acres of grass - 3 polo fields - 180 degree views.

Susie Maybery, 805.565.8884

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WWW.VILLAGESITE.COM Santa Barbara • 805.681.8800 | Montecito • 805.969.8900 Santa Ynez • 805.688.1620

JUST LISTED $625,000 Double unit 6,000 +/- sq.ft. Well maintained Industrial Park on Eastman Ave. Plenty of parking. Great street visibility & recent remodel. Vicki Gorman, 805.587.1616

SPECIAL PLACE $595,000 2bd/1.5bth townhouse located at the end of a cul de sac adjacent to Los Robles Park. Two one car attached garages & large fenced yard. Mary Lu Edick, 805.565.8871

JUST LISTED $575,000 Near East Beach, 1 bd/1 bth first floor unit has everything Santa Barbara has to offer. Boasts fresh paint, remodeled kitchen & more! Rachael Bissig, 805.895.4449

LIGHT, AIRY TOWNHOME $555,000 Modern Mediterranean design w/ attached two gar garage, cozy fireplace, eat-in kitchen w/ pantry, private patio. Complex features pool, spa. Carol/Toni, 805.689.8700

STARTER HOME $123,100 Low Income County Studio. Max allowable income to qualify is $41,050 annually for 1 person & $46,900 annually for a 2 person household. Aaron Gilles, 805.895.1877

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ORGANIC FARM $4,950,000 Certified organic farm. Zoned Ag II 40, Approx 600 GPM well with natural gas driven 205 HP Cumins engine. Contact agent for details. Wayne Natale, 805.680.7227

SWEEPING VIEWS $3,250,000 Spectacular 3.95 acre parcel. Sweeping views of the Santa Barbara coastline & mountains. Includes a new Growth Management Permit. John P Henderson, 805.689.1066

MOUNTAIN VIEWS $1,695,000 Beautiful landscapes surround the mountain view building site of this 1.25 acre estate parcel. Parklike gardens and a fully fenced property. Marilyn Moore, 805.689.0507

THREE LARGE PASTURES $1,650,000 River front 20+/- ac.parcel w/a charming, circa early 1900's cattle barn & irrigated pastures. 3 large pastures of 5 +/- ac. each. Carey Kendall, 805.689.6262

SWEEPING VIEWS $1,300,000 9+ private, peaceful acres w/ sweeping ocean & mountain views & a lagoonstyle pool create an incredible estate site to build a dream home. Riskin Assoc, 805.565.8600

DELIGHTFUL SETTING $1,295,000 Coveted Hope Ranch location. This parcel is offered separately or can be purchased with 2 adjacent parcels. GrubbCampbell.com Natalie/Brian, 805.895.6226

OAK TRAIL RANCH $1,250,000 20 acre property has beautiful views of the Santa Ynez Valley hillsides & mountains with hundreds of oak trees, all beautifully manicured. Judy Crawford, 805.588.1425

LA ROMANA ESTATES From $895,000 Exclusive Gated Community of only 24 homes. A rare opportunity to own & build your dream home. www.LaRomanaLiving.com Dianne Johnson, 805.455.6570

SPECTACULAR VIEW LOT $799,000 Views in every direction & one of the last remaining lots available in Regency Hills. Minutes from downtown Solvang.

CALZADA RIDGE $550,000 5.05+/- Acres. Build your dream home! Views, oak trees, 2 approved building sites; 2 drywells & pump system installed. Wayne Natale, 805.680.7227 Jonee Hanson, 805.455.6175

BALLARD MEADOW $495,000 5.79+/- Acres. first lot on the right as you enter Ballard Meadow Ranch from Baseline. Per the Water District a 2 water meter is installed. Wayne Natale, 805.680.7227

Patti Cotter, 805.680.0769

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�� PHENOMENAL VIEWS $295,000 Located in prime winegrowing country within the Sta. Rita Hills AVA in Santa Barbara County. Gorgeous, secluded, and picturesque land. David/Wayne, 805.315.8444

Santa Barbara

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Montecito

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Santa Ynez

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805.452.8284 | mrickard3@msn.com | www.marilynrickard.com | CalBRE# 00575869

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Local Lens...

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�� Cathy Murillo, SB Councilmember; Mark Danielson of KEYT 3; Deb Smith of KEYT 3; and Cam Sanchez, SB Police Chief �� Craig Case, President; Randy Rouse, SB Councilmember; Pam Geramia, Board Member; and Bilo Zarif �� www.santabarbarapolicefoundation.org

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Horacio Vivero; Consuelo Chavez; Stephan N. Downes, Pastor; Karen Regan, Principal; Wendy Gragg; and Donald Gragg

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�� took place when Our Lady of Mount Carmel School hosted their 30th Annual Auction Dinner and Fundraiser, Old Hollywood Glamour, at the Bacara Resort and Spa last month to raise funds for school programs. ��

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www.mountcarmelschool.net

Priscilla, of Santa Barbara Seen, was born and raised in our beautiful seaside community. She and her family have been community volunteers, with Priscilla having served on several organizational boards, piloting medical humanitarian missions, and now focusing on capturing the faces of contributors in Santa Barbara.

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New Listing!

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�� Tracy Shawn �� Photo by Roberts Photography

By Kerry Methner, PhD / CASA

�� Meet the author during January’s 1st Thursday at CASA Magazine Gallery - January 2nd from 5 to 8pm. She will also participate in a fundraiser for Transition House at Soho on Friday, January 17th starting at 5pm. For more info visit www.tracyshawn.com. The Grace of Crows is available on Amazon.

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�� By Gary Woods / Special to CASA �� Gary Woods �� Gary Woods is the Computer Trainer for the Santa Barbara Association of REALTORS �� and a Broker/Associate at Home Realty & �� Investments, Inc. �� If you have any suggestions or questions �� for Gary please drop him a note at �� gandlwoods@earthlink.net or see his column �� on the Internet at santabarbaraproperties.com �� or call 729-0910.

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32 years experiene & Integrity

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Super Jumbo Rates to $2.5M

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* 1-unit conforming to $417,000, 1-unit Hi-balance conforming to $625,500, FHA $729,750. Super Jumbo loan programs available to $5m!

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�� Residential • Commercial • Construction • Investments

4141 State St., Suite D-3 • Santa Barbara, CA 93110 Phone (805) 681-6363

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Fax (805) 681-6365

Rates and Terms Subject to conditions. Corp. Lic. # 01521555

CASA Open House Invitations

www.CasaSB.com

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�• �� OPEN HOUSE INVITATIONS �� WWW.C�� ASA SB.COM

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�� bckoutnik@aol.com

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www.BarbaraKoutnik.com

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To place your open house in CASA Magazine please e-mail to Openhouses@CasaSB.com by Wednesday at 3pm.

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Popular Economics Weekly

Paying Sustainable Economic Growth Forward By Harlan Green / Special to CASA

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CASA Classiﬁeds ��

�� SANTA BARBARA

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Voted #1 ��

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Jeanette Casillas Daniel Kepl

C I R C U L AT I O N

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Rivera@gmwestsb.com

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Email: BankersPaciﬁc@verizon.net Corp. Lic. # 01521555

Residential • Commercial • Construction • Investments

4141 State St., Suite D-3 • Santa Barbara, CA 93110 Phone (805) 681-6363 Fax (805) 681-6365

A D V E RT I S I N G Q U E S T I O N S

Advertising@CasaSB.com SUBSCRIPTIONS

3 Months $35 • 6 Months $69 All real estate advertising in this publication is subject to the Federal Fair Housing Act of 1968, as amended, which makes it illegal to advertise “any preference, limitation, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preference, limitation, or discrimination.” This publication will not knowingly accept any advertising for real estate which is in violation of this law. Our readers are hereby informed that all dwellings advertised in this publication are available on an equal opportunity basis. The opinions and statements contained in advertising or elsewhere in this publication are those of the authors of such opinions and are not necessarily those of the publishers.

(805) 688-9697

Sales Associate, DRE#01465425

805.565.8145 Ofﬁce 805.403.5520 Cellular Dana@DanaZertuche.com

www.DanaZertuche.com 1290 Coast Village Road Montecito, California 93108

Private Money for Real Estate Notes and Loans Land • Multi-Family Commercial

neil@neilsteadman.com www.neilsteadman.com CA Real Estate Broker D.R.E. License #00461906

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Read this weekʼs issue of CASA Magazine at

BROKER, ABR, ALC, CMAS, CMRS

CasaSB.com

Experience • Knowledge • Reliability Professionalism • Kindness • Attention to Detail

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32 years experiene & Integrity

Central Coast Circulation (805) 683-1669

CASCADE CAPITAL

DANA ZERTUCHE

Harlan Green has been the 11-year EditorPublisher of PopularEconomics.com, a weekly syndicated financial wire service. He writes a Popular Economics Weekly Blog. He is an economic forecaster and teacher of real estate finance with 32-years experience as a banker and mortgage broker.

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PUBLISHERS & EDITORS

CALENDAR EDITOR

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(805) 965-6448 • FAX (805) 966-9827

G E N E R A L M A N A G E R & T R A N S L AT O R

www.hydrexnow.com�

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23 East Canon Perdido Street Santa Barbara, CA 93101

Mark Whitehurst & Kerry Methner

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December 27, 2013 • Established 1993

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sales@chriscunninghamrealty.com www.ChrisCunninghamRealty.com ��

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Includes all ads with live links

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CASA Classiﬁeds • www.CasaSB.com ��

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RANDY FREED ��

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SHORT SALE CERTIFIED

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Santa Barbara to the Santa Ynez Valley ��

BRE #00624274

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CA-0197693 / PUC-190295

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Dramatic ocean view Apt. 1BD/1BA. On the top ﬂoor with no steps. Remodeled. Covered parking on a dead end street. Only 6 blocks to the ocean and only 2 blocks to the Mesa shopping Ctr. Available Dec 16th. $2000/mo. Call John at 451-4551. Fully furnished 1BD Apt with stunning ocean views. Move in today. End unit on a dead end street. Quiet and 1 block to the beach. Laundry on site. Covered parking. Great vacation rental. Short or long terms available. $2400/mo. Call John at 451-4551.

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2008 REALTOR® of the Year

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Experience you can count on!

CHRIS AGNOLI

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(805) 682-4304

chris@suncoastrealestate.com www.chrisagnoli.com

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962-2147 • Cortsb.com

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805-886-6527 cell kirk@kirkhodson.com www.kirkhodson.com

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SERVING SANTA BARBARA

Have you tried us? advertising@casasb.com

California DRE Broker’s #00444968

Computer Oriented RE Technology

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CASA Classiﬁeds

Chris@ChrisCasebeer.com www.ChrisCasebeer.com

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�� CONFORMING LOANS to $417,000

SINCE 1972

30-Year Fixed INSTITUTIONS

(single family)

15-Year Fixed

ARM**

CONFORMING JUMBO LOANS $417,000-$625,700

30-Year Fixed

15-Year Fixed

ARM**

JUMBO LOANS $625,701 and Over

30-Year Fixed

15-Year Fixed

ARM**

Rate APR Down Rate APR Down Rate APR Down Rate APR Down Rate APR Down Rate APR Down Rate APR Down Rate APR Down Rate APR Down

BANK OF AMERICA HOME LOANS Please call for current rates • Coastal Housing Partnership Member • Se Habla Español • Armando Jaquez, Sales Manager, NMLS# 482916 (560-3350) • Holly Nelson, NMLS# 853155 (560-3363) Ryan Rosenthal, Home Loans Manager, NMLS# 482510 (665-5593) • Ryan Plowe, NMLS# 826292 (560-3367) • Jeff Corsello, NMLS# 819105 (560-3374) • John Murphy, NMLS# 362627 (560-3347) • Cindy Schwartz, NMLS# 72709 (560-3353) BANKERS PACIFIC 4.25 4.38 20% 3.25 3.37 20% MORTGAGE, INC. Harlan Green, Broker, (805) 681-6363

JIM WITMER

REAL ESTATE BROKER

448-3921

Village Properties JimWitmer@cox.net VillageSite.com

2.875 3.0 20%

4.375 4.50 20%

3.25 3.375 20% 3.0 3.125 20%

4.625 4.75 20% 3.625 3.75 20%

3.125 3.25 20%

COMMUNITY WEST BANK Ask us about rates. You’ll like what you hear! Terre Lapman (403-0909); Clay Dickens (692-4429); Kathy Martin (966-2912) CALLOAN CORP 4.250 4.341 20% 3.250 3.404 20% 2.750 2.852 20% 4.375 4.474 20% 3.375 3.514 20% 2.750 2.840 20% 4.500 4.612 20% 3.625 3.801 20% 3.125 3.178 20% (805) 963-8939; mfunding@verizon.net PARAGON MORTGAGE GROUP (805) 899-1390

Please call for current rates.

Please call for current rates. UNION BANK Teri Gauthier (565-4571), Janice Baxter (899-8488), Allison Keenan (681-7268), Ed Soto (564-6485)

*Rates are supplied by participating institutions prior to publishing deadline and are deemed reliable. They do not constitute a commitment to lend and are not guaranteed. For more information and additional loan types and rates, consumers should contact the lender of their choice. CASA Santa Barbara cannot guarantee the accuracy and availability of quoted rates. All quotes are based on total points including loan. *Rates are effective as of 12/24/13. ** Annual percentage rate subject to change after loan closing.

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�� For in-gathering speciﬁcs visit: www.artscarp.org

�� For in-gathering speciﬁcs visit: https://origin. ih.constantcontact.com/fs199/1103344271839/img/765.png

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Almost Anything Goes: Architecture and Inclusivity

Amorphis LA, Atelier Manferdini, Ball-Nogues Studio, Design Bitches, DO/SU Studio Architecture, and Digital Physical / Variate Labs

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Bloom Projects: Zack Paul, Geometric Landscapes

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Exhibitions on view: January 5 – April 13 at MCA Santa Barbara

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www.sbma.net

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S ST

THURSDAY ��

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HE 1ST THURSDAY PROGRAM��

At 6pm, join Cheri Peake, widow of artist Channing Peake, and Elizabeth Rabe de Fernandez, for a short gallery walk-thru tour of Channing Peake Gallery exhibit titled, Channing Peake-Beyond Cubism, The Anne and Walon Green Collection.

�� 1230 State St • 845-7656 • Introducing Brazilian culture to Santa Barbara with an Eat Drink Move vibe. Eat and Drink in the restaurant, featuring traditional Brazilian menu items. Learn Capoeira, Afro Brazilian dance, or Samba, in the 1400 square foot studio or learn Brazilian Portuguese. Also, admire art from local artists. Feel the beat of Brazil and get immersed in our culture! Junte-se a nós – Come join us!

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1130 State St • 963-4364 • Mark Robert Halper Book Signing in the Museum Store. Halper’s book, Between Seer and Seen: Celebrating the Artists of Santa Barbara County features 71 artist portraits and 14 still life images reﬂecting on the creative interactions that transform the artist’s view of the world into the physical reality of art. Published in 2013, each beautifully reproduced photograph in the publication is allowed the visual luxury of a two-page spread in this 188 page, hard cover edition. Barry Spacks, Santa Barbara artist and its ﬁrst Poet Laureate, wrote the introduction to this meditation on the visual artists of our time.

� ��7 & 11 E Anapamu St • 730-1460 • We are pleased to announce an exhibition of floral paintings from the Estate of Leon Dabo, NA (1864-1960), painted between the early 1890s and 1954. This will be the first exhibition dedicated solely to his floral oils and will be accompanied by a hardbound catalog of known floral oils with essays by eminent American art historian, Dr. William Gerdts and Nathan Vonk. Also on view Hank Pitcher: The Long View and 100 Grand. � ��105 E Anapamu St • 568-3990 • Channing Peake-Beyond Cubism, The Anne and Walon Green Collection: At 6pm, join Cheri Peake, widow of artist Channing Peake and Elizabeth Rabe de Fernandez, for The Life and Times of Channing Peake, a short gallery walk-thru tour that includes highlights of his life, both ranching and artistic. This exhibition celebrates the donation of 10 modernist paintings of Peake, collected by Anne and Walon Green and gifted to the County of SB. It also features drawings and paintings from other area collectors that expand on the experimentation of this talented and gifted artist. � ��1114 State St #24, La Arcada Ct • 884-1938 • Featuring Judee Hauer, an avid dumpster diver/collector from the age of eight from Brooklyn, NY, now living in Ventura. Judee creates whimsical “people” figures that she likes to remain ambiguous and defies putting a label on them. J.L.’s work has been shown at Carnegie Museum, Ventura County Museum of History & Art, and several galleries in Ventura, Santa Barbara, Ojai, and Cambria.

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Photography by Dorothy Littlejohn will be on view at Sojourner Cafe

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�� Marshall’s Patio, 900 State St • The accomplished vocalist, virtuoso guitarist, and award winning songwriter Vic Moraga will be performing songs from his CDs, Born Ready (2004), and Cool Kind of Loving (2006). His newest CD, The Five Alley Cats and Me, is accompanied by his published book, The Five Alley Cats and Me. Moraga tours across the West Coast performing solo, as a duo, or with his group “The Moraga Band” performing a variety of popular, contemporary, original and World music before audiences of all ages. �� 23 E Canon Perdido • 965-6448 • Familiar Spirits: An exhibition by area artists focused on deep relationships and shared emotions between sentient beings in a variety of mediums. A reception with artists will be enlivened with poetry by Philip Levine, live music, and light refreshments. Also meet local author Tracy Shawn who will sign her debut novel The Grace of Crows. �� 134 E Canon Perdido St • 965-7922 • Join us for a wine tasting, live music by Robert Brown and friends and photography by Dorothy Littlejohn. A great place to start or ﬁnish your 1st Thursday stroll as well. �� Paseo Nuevo Center Court • Kalinka, a Santa-Barbara based acoustic quartet, plays a lively and eclectic blend of Jewish klezmer, gypsy music, vintage jazz, and Eastern European folk music. Their sound is joyous, sweet, and gutsy. To their wide repertoire, they bring consummate musicianship and zest. Performers include: Fred Nadis (clarinet), Jon Brady (accordion), Ann Chevreﬁls (bass), and Phil Taylor (guitar). Kalinka will be performing January 15 at noon outside UCSB’s multicultural center. (Performance supported by Paseo Nuevo Mall)

� ��1114 State St #22, La Arcada Ct • 722-4338 • Come join us! We’ll be serving up wine + live jazz music by the Blue Moon Quartet: Christy Martin/vocals, Bones Howe/drums, Debbie Denke/keyboards, and Kim Collins/bass.

�� 735 Anacapa St • Collaborative, in partnership with the Downtown Organization, will lead a curated Art Crawl through the 1st Thursday festivities. The guide for January is acclaimed assemblage artist Sue Van Horsen. The Art Crawl starts at 5:30pm in de la Guerra Plaza on the back steps of City Hall (walk around to the back).

� ��1114 State St #9, La Arcada Ct • 962-8885 • Featuring paintings by some of today’s ﬁnest artists. Diane and Ralph Waterhouse were recognized in 2012 by Southwest Art Magazine among “10 Prominent People” in the ﬁne art business. The Gallery features the best in Figurative, Still Life & Landscape paintings. Ralph will give a painting demonstration at 6pm. � ��1114 State St #8, La Arcada Ct • 965-6611 • Artist of the Month, George Radon: “From life’s experiences, studies, and work emerges the artist’s impressions, whatever the chosen medium.” The featured artists are Donna Richey, Katy Zappala, and Gail Lucas.

� ��1103-A State St • 966-1707 • The Spirit Of The West, Captures the landscape and wildlife of the American West, photographer Thomas Kelsey. He will be on hand to discuss his latest work and sign his book The Spirit of The West. Working as both a photojournalist and naturalist has allowed him the opportunity to capture many significant events on film. An awardwinning artist, he’s studied under Ansel Adams and was inspired by the vistas of the Sierras to publish his book after 30 years in the field. See more of his work at: www.thomaskelsey.com

�� 728 State St • 324-4402 •

Presenting Hail to the Nail: string theory art piece by unknown artists.

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Kalinka, a Santa-Barbara based acoustic quartet, will perform in Paseo Nuevo Center Court

630 State St • 957-1300 • For 1st Thursday, we have solo guitarist and vocalist, John Lyle, for our musical entertainment, and Firestone Winery will be hosting a complimentary wine tasting. Join us at Blush to enjoy some ﬁne music, our featured artist, plus sips and bites.

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By Dacia Harwood / Community Contributor

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�� Roger Aceves, Goleta Mayor; Peter Jordano, Honoree, 2013 Goleta Valley Man of the Year; Honoree Janet Garuﬁs, President Montecito Bank and Trust and recipient of 2013 Large Business of the Year Award; Joan �� Rakowski, Honoree, 2013 Volunteer of the Year Award (GVHS); with Kristen Miller, CEO and Tony Vallejo, Chairman �� of the Goleta Valley Chamber of Commerce �� Platinum Presenting Sponsors were Bacara Resort �� & Spa, Bank of Santa Barbara, Business First Bank, �� Cox, Marborg Industries, Montecito Bank and Trust, �� Spherion, Venoco, Inc., Deckers, and The Towbes �� Group. The Supporting Sponsors included ATK Space �� Systems, Barlett, Pringle & Wolf LLP, Citrix Online, �� Community West Bank, The Couvillion Family, FLIR �� Commercial Vision Systems, Westar Associates, �� Brown and Brown, Brownstein Hyatt Farber Schreck, �� CenCal, Impulse, Jim Knight, Jordano’s, Paciﬁca �� Commercial Realty, Santa Barbara Airport, Latitude �� 34 Technologies, Marmalade Café, Noozhawk, �� Parentclick, Tony Vallejo CPA, University of California, �� Santa Barbara, and Wilson Printing.

Photo by Priscilla, SantaBarbaraSeen.com

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134 E. Canon Perdido Street • 965-7922

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Hedy Price Paley Contemporary Art

687-6173

MORNINGSTAR STUDIO

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(805) 719-2510 (855) 356-3182

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FAX

ceyanson@myprovident.com www.pbmretail.com/ceyanson 3710 State St., Ste. B, Santa Barbara, CA 93105

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�� ■ Fixed

& Adjustable-Rate Options

■ Conventional, ■ Renovation

FHA, VA, USDA

Loans

■ Jumbo

Loans

■ First-Time

Buyer & Downpayment-Assistance

■ Multi-family, ■ Second

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Second Homes, Investments

Mortgages

■ …and

more!

This is not an offer for an extension of credit or a commitment to lend. All applications are subject to borrower and property underwriting approval. Not all applicants will qualify. All loan products and terms are subject to change without notice. Provident Savings Bank, F.S.B., NMLS #449980. The Corporate Ofﬁce for Provident Bank Mortgage is located at 3756 Central Avenue, Riverside, CA 92506 (951) 686-6060. Provident Bank Mortgage is an approved lender for HUD/FHA, VA, Fannie Mae and Freddie Mac. In authoring this media, Provident Bank Mortgage is not acting on behalf of or at the direction of HUD/ Federal Housing Administration, the Federal Government, The Department of Veteran Affairs, Fannie Mae or Freddie Mac.

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Happy New Year

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�� www.sbprospect.com ��

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