AZHO Holland May 09

Arizona Homeowner May / 2009

Inventive Home Lending 1400 E. Southern Avenue, Suite 615 Tempe, Arizona 85282 RETURN SERVICE REQUESTED

The financing of your real estate can be a daunting task. You want the best interest rate and you want the pre-approval, application and close of escrow processes to be hassle-free. I understand.

I listen. I respond quickly.

• I specialize in custom-designing a specific loan for each individual client. With over 400 loan programs at my fingertips, you will get a mortgage that best fits your unique situation.

• I use the latest technology in loan underwriting. You’ll receive a loan decision within hours. Don’t wait days to find out if you qualify for the home you really want!

• Closing thousands of loans and working with thousands of borrowers assures you that I have the knowledge and expertise to handle any situation.

• My impeccable reputation is my best asset. I always strive to exceed your expectations!

CALL ME TODAY!

the heat is on!

HOME SALES ARE HEATING UP!!

Sun Protection For Your Home

The spring home sales season in Metro Phoenix is always a good barometer of how things will go the rest of the year. And I am happy to report that we are seeing home buying activity surging to levels not experienced since the boom year of 2005. After a slow start to 2009, closing numbers have risen steadily since February. The $100K - $400K price range has been selling especially well.

What is causing the sudden surge in real estate sales despite the weak economy? The answer is that home prices and seller incentives to buyers are both at remarkable levels. The home purchase deals are too good for many to pass up. And this renewed interest in housing is happening at a time when mortgage rates are as low as they were back in the late 1950s.

Cheap home prices and low-rate financing have always been a great way to get things heated up in the real estate market. This is a step in the right direction to start getting real estate values and our economy back on track.

Wondering if you’re eligible for any part of the new government programs?

Here’s a brief summary of what is available: • First-time homebuyers are eligible for up to an $8K tax credit for buying and closing on a home by 12/01/09. And since it’s a tax credit, many will receive that as cash back when filing ’09 tax returns. You are essentially getting reimbursed for part or all of your down payment. First time homebuyers are classified as anyone not owning a home in the past three years. (There are restrictions so call me for details.)

• If you are behind on your mortgage payments the government has offered incentives to lenders to modify your loan so that the interest and payment is lower. (My office doesn’t handle loan modifications but we would be happy to offer free advice on how you can get help.)

• If you have a Fannie Mae or Freddie Mac loan you may be eligible for refinancing even if you owe more on your loan then your home is worth. (Call to see if YOUR loan is a Fannie Mae or Freddie Mac loan.)

• If you have an FHA or VA loan you may be eligible for refinancing even if you owe more than your home is worth. (There are restrictions. Call us to determine if you are eligible.)

WHAT CAN WE DO TO HELP YOU?

Due to the ailing economy it is no secret that many of the large banks that lend in Arizona are very selective about who qualifies for a loan. The percentage of mortgage loan applications that are denied financing is higher then it’s been in decades (even if you have excellent credit). Now more than ever a homebuyer or homeowner will need a good, wellconnected mortgage broker to fill in the lending gaps the big banks have left. And that’s just what we do. Here’s a sampling of our most popular programs: • Home Equity lines offered up to 80% of appraised value.

• Cash-out/debt consolidation refinances up to 85% of home’s value.

(Still available for a limited time. Restrictions apply.)

• Home improvement loans.

• Zero down VA & Farm Area loans and 3.5% down FHA loans!

Brady Holland President 480.627.2423 bradyh@ihlending.com www.ihlending.com

MORTGAGE RATES AS OF 4/10/09 Loan Rates for $150K-$417K

30-Year Fixed at 4.750%/4.899% APR 15-Year Fixed at 4.500%/4.739% APR

Simple Ways To Bring Joy To Others

Loan Rates for $418K-$1M

5/1 ARM at 4.625%/4.872% APR 7/1 ARM at 4.875%/5.102% APR

*Note: Quotes assume primary home financing with 680+ fico score on a single family property with 20%-30% equity.

All quotes offered at 1% origination fee.

MB0905347 If your home is currently listed, this is not a solicitation for that listing.

random acts of kindness

Produced by Desert Lifestyle Publishing • 480.460.0996

unexpected flavors delight

The Compass Restaurant’s Tomato Pineapple Salad

Event Calendar

May 2009

9th Annual Golf 2 Save the Family The Phoenician Resort & Spa, May 9th 480.898.0228 or savethefamily.org Established in 1989, Save the Family was created to help homeless families with transitional housing, case management and supportive services. Take part in their annual golf event to raise proceeds to fund all of those programs. Each registration includes a round of golf, breakfast and lunch, and range balls.

There will also be a silent auction.

Jimmy Buffett and the Coral Reefer Band Cricket Wireless Pavilion, May 14th 602.254.7200 or livenation.com If you have never been to a Jimmy Buffett concert, you are in for a treat. The always easy-going, island-loving singer brings his Summerzcool 2009 tour to town. Fans can expect to hear favorites such as Margaritaville, Come Monday and Cheeseburger in Paradise. Parrotheads unite!

Peach Festival Schnepf Farms, May 15th-17th 480.987.3100 or peachfestival.net It’s that time of the year again: Peach-picking season! Come out and enjoy a “peachy-keen” day with all things peach. You can partake of juicy peach sampling or even a wonderful peach-pancake breakfast. The festival will also have live entertainment and fun rides for the entire family to enjoy.

Although the event is only for this one weekend, peach picking will be available every weekend during the month of May. International Museum Day Heard Museum and Phoenix Art Museum, May 18th 602.252.8848 or heard.org In celebration of International Museum Day, the Heard Museum and the Phoenix Art Museum are both offering two-for-one admission. Explore all the great history the Heard Museum has to offer then take a short stroll to the Phoenix Art Museum where you can enjoy some of the new exhibits such as Charting the Canyon – a collection of photographs of the Grand Canyon.

Arizona Diamondbacks Chase Field, May 30th 602.514.8400 or arizona.diamondbacks.mlb.com Root, root, root for our home team as they battle it out against the Atlanta Braves. If you have not yet taken in a game at Chase Field, you will be amazed at how baseball fields have evolved. From the signature swimming pool to the retractable roof, Chase Field is sure to impress you. Arrive early, as the first 25,000 fans will receive a Stephen Drew bobble head.

Protect Your Home From The Sun’s Intense Rays Arizona homeowners know the benefits of year-round sunshine, but the intense desert heat can limit time spent on outdoor patios, increase A/C bills, wreak havoc on skin, and even fade carpeting and furniture. However, retractable awnings and solar sun screens can be the solution.

“In the past four years we’ve seen exceptional growth in the industry,” says Jonathan Hershberg, president of Sunsetter products, the largest manufacturer of retractable awnings in the U.S. “Part of it is an increased awareness of the danger of ultraviolet rays, and part is the comfort and convenience factors.”

Retractable awnings not only enhance your home’s exterior, but also expand living space – adding value to the home without the high cost of construction. Where patio umbrellas might only cover 10 feet, a retractable awning can cover up to 20 feet.

“A retractable awning is the perfect addition to an existing patio cover where you just need a little more shade,” says Stacie Peters of Awnings By Design in Scottsdale, “and good for the homeowner who has a small backyard and does not want to take up space with posts that a traditional patio cover may require.”

Retractable awnings and solar sun screens are also environmentally conscious. Temperatures underneath awnings can be as much as 20 degrees cooler; sun screens can block out up to 90% of solar heat rays and reduce UV rays by 95%. Unlike interior window treatments such as blinds or drapes that block the sun’s heat after it has entered your home, solar sun screens stop and dissipate the sun’s heat and glare before it can reach your window. With awnings and sun screens, air conditioning costs will be greatly reduced, carpets and furniture won’t fade and children and rooms will be safer and more comfortable. Retractable sun screens can provide daytime privacy from the outside. They can even completely darken a room. Yet both awnings and sunscreens can retract when you choose, allowing a clear view of the outside.

With all of the benefits, it’s a wonder why more Valley homes don’t have retractable awnings and sunscreens. One reason, however, might be the misconception that they’re too expensive.

But, if you factor in the savings and benefits, the cost can be reasonable. Retractable awnings start at $1,500; solar sun screens can be as low as $600 for a standard 4 x 5 window.

Professional installation for both is recommended. Awnings come in many sizes, whereas solar sun screens are custom-fitted for the homeowner’s windows. Both have models that are motorized or can be manually operated.

Manually operated retractable awnings can provide extra stability for wind due to support arms that can be angled back against the house or set vertically on the deck or patio. Motorized awnings have no vertical supports, but lateral arms that create an unobstructed shaded area.

An optional wind sensor would retract the awning when there are gusts of wind. Motorized models are also more convenient, operating by either a wall switch or remote control.

When choosing an awning, make sure the fabric is water-repellent, fade-proof, mildew and mold-resistant and will block out at least 95% of UV rays. The frame should be lightweight and reliable. Awnings with dual stainless steel cables for the lateral arm are superior to those with one cable or with a chain design.

Homeowners should also be aware of manufacturer warranties on awnings and storm damage protection. “Our fabric for awnings comes with a 10-year warranty,” says Peters. “The motors we use have an 8-year warranty and are the best in the industry.”

By summer’s end, retractable awnings and sun screens do not have to be taken down – only retracted. They can be removed and taken with you if you purchase a new home, or kept as value-adding features when it’s time to sell.

Your Home

The economy got you down? Why not do something nice for someone to lift their spirits – and in turn, give your own mood a boost. The secret to random acts of kindness is recognizing someone else’s need and quietly filling that need without looking for recognition and without making a big deal out of it. Need some inspiration? NFL quarterback Kurt Warner recently revealed on “The Ellen DeGeneres Show” how his family spreads good energy when dining out. Warner lets his kids pick a family at random at a restaurant and then the Warners anonymously pick up the dinner tab. Even if you’re not feeling as flush as our favorite football star, try some of these less pricey random acts of kindness. Some won’t even cost you a dime!

• Talk to strangers. Whether it’s friendly chit-chat with a sales clerk at the department store or a genuine smile and hello to a fellow shopper at the food store, simple gestures of kindness will leave both parties feeling a little bit better about their day. You never know, your kindness might even be a highlight of both your days.

• Be a drive-thru hero. After getting your order, pick up the bill for the car behind you. Imagine how surprised and happy the person behind you will be. Or, if you’re paying for parking at an event, go ahead and pay for the car entering behind you too!

• Make friends on Facebook. Whether you’re a Facebook.com expert or newbie, why not connect with old friends and share some good vibes? Find pictures of an old friend who looks great? Tell them!

Impressed by a pal’s solid resume? Let them know.

• Go for a hike and clean up along the way.

Enjoy the great outdoors and while you’re at it, pick up any trash left on the trail. It’ll make you (and your kids if they come along) feel good and

will pass on happy feelings to any other nature lovers who see you in the act.

• Be a super neighbor. If an elderly couple lives next door, bring in their recycling and trash bins for them. Or if a neighbor just recently had a baby, drop off a prepared meal or offer to babysit their other children to give the parents some down time. Instead of just recycling your newspaper, drop it on the doorstep of a neighbor who you know might enjoy it. Same goes for magazines. These little gestures build good will and foster a sense of community, especially helpful during hard economic times.

• Forget about road rage. Don’t be one of those angry drivers! Instead, make someone’s day by letting them merge in front of you rather than whizzing right past. Or smile to a driver or passenger in the car next to you at a stoplight. You’ll be surprised how just a little friendliness on the road spreads to other drivers – and how good it feels to get a smile and a wave back.

• Let someone go ahead of you. Who doesn’t hate to stand in a long line, especially when you’re in a hurry? Next time you see someone behind you who’s clearly in a rush, let them go ahead of you. It’s just a little gesture, but it’s sure to be appreciated. Same goes for someone behind you that only has a few items to purchase when your cart is full. Think “good karma.”

• Get the kids involved. Have your children or grandchildren be part of your random acts of

kindness. Maybe you’re taking the kids to a theme park or arcade. If so, load your children up with tokens and have them hand the coins out to other kids, then enjoy all the smiles and screams of delight.

Maybe your kids can even use their own piggy bank change to purchase half the tokens. Or have your kids pack up some old toys, clothes, and books and bring them to a local charity, hospital, or homeless shelter. After all, it’s never too early to learn how good it feels to share and give to others. Now’s also a good time to remind them that good things often happen to good people. Just look at Kurt Warner!

Pineapple and Tomato Salad Ingredients:

Local Flavor!

Stomp ASU Gammage, May 5th-10th 480.965.3434 or asugammage.com This unique, explosive musical performance will keep the whole family entertained. The eight-member troupe uses just about anything as their percussion instruments. Well, anything but actual instruments. Performers will use wooden poles, garbage cans, hub caps and recently added paint cans to create their amazing rhythms. You won’t look at your pots and pans the same way after seeing this performance!

1 fresh pineapple, sliced in squares 3 orange vine-ripe tomatoes, sliced 1 cup Humboldt Fog goat cheese, crumbled 1 jalapeno, shaved very thin 1 ounce spicy chili oil 1/2 cup basil pesto micro basil to garnish Technique: Arrange tomato and pineapple slices shingled on platter and top with the remaining ingredients.

Featuring The Compass Restaurant at Hyatt Regency Phoenix 122 N. Second St. • Phoenix 602.252.1234 or phoenix.hyatt.com

Serves six.

Event Calendar

May 2009

9th Annual Golf 2 Save the Family The Phoenician Resort & Spa, May 9th 480.898.0228 or savethefamily.org Established in 1989, Save the Family was created to help homeless families with transitional housing, case management and supportive services. Take part in their annual golf event to raise proceeds to fund all of those programs. Each registration includes a round of golf, breakfast and lunch, and range balls.

There will also be a silent auction.

Jimmy Buffett and the Coral Reefer Band Cricket Wireless Pavilion, May 14th 602.254.7200 or livenation.com If you have never been to a Jimmy Buffett concert, you are in for a treat. The always easy-going, island-loving singer brings his Summerzcool 2009 tour to town. Fans can expect to hear favorites such as Margaritaville, Come Monday and Cheeseburger in Paradise. Parrotheads unite!

Peach Festival Schnepf Farms, May 15th-17th 480.987.3100 or peachfestival.net It’s that time of the year again: Peach-picking season! Come out and enjoy a “peachy-keen” day with all things peach. You can partake of juicy peach sampling or even a wonderful peach-pancake breakfast. The festival will also have live entertainment and fun rides for the entire family to enjoy.

Although the event is only for this one weekend, peach picking will be available every weekend during the month of May. International Museum Day Heard Museum and Phoenix Art Museum, May 18th 602.252.8848 or heard.org In celebration of International Museum Day, the Heard Museum and the Phoenix Art Museum are both offering two-for-one admission. Explore all the great history the Heard Museum has to offer then take a short stroll to the Phoenix Art Museum where you can enjoy some of the new exhibits such as Charting the Canyon – a collection of photographs of the Grand Canyon.

Arizona Diamondbacks Chase Field, May 30th 602.514.8400 or arizona.diamondbacks.mlb.com Root, root, root for our home team as they battle it out against the Atlanta Braves. If you have not yet taken in a game at Chase Field, you will be amazed at how baseball fields have evolved. From the signature swimming pool to the retractable roof, Chase Field is sure to impress you. Arrive early, as the first 25,000 fans will receive a Stephen Drew bobble head.

Protect Your Home From The Sun’s Intense Rays Arizona homeowners know the benefits of year-round sunshine, but the intense desert heat can limit time spent on outdoor patios, increase A/C bills, wreak havoc on skin, and even fade carpeting and furniture. However, retractable awnings and solar sun screens can be the solution.

“In the past four years we’ve seen exceptional growth in the industry,” says Jonathan Hershberg, president of Sunsetter products, the largest manufacturer of retractable awnings in the U.S. “Part of it is an increased awareness of the danger of ultraviolet rays, and part is the comfort and convenience factors.”

Retractable awnings not only enhance your home’s exterior, but also expand living space – adding value to the home without the high cost of construction. Where patio umbrellas might only cover 10 feet, a retractable awning can cover up to 20 feet.

“A retractable awning is the perfect addition to an existing patio cover where you just need a little more shade,” says Stacie Peters of Awnings By Design in Scottsdale, “and good for the homeowner who has a small backyard and does not want to take up space with posts that a traditional patio cover may require.”

Retractable awnings and solar sun screens are also environmentally conscious. Temperatures underneath awnings can be as much as 20 degrees cooler; sun screens can block out up to 90% of solar heat rays and reduce UV rays by 95%. Unlike interior window treatments such as blinds or drapes that block the sun’s heat after it has entered your home, solar sun screens stop and dissipate the sun’s heat and glare before it can reach your window. With awnings and sun screens, air conditioning costs will be greatly reduced, carpets and furniture won’t fade and children and rooms will be safer and more comfortable. Retractable sun screens can provide daytime privacy from the outside. They can even completely darken a room. Yet both awnings and sunscreens can retract when you choose, allowing a clear view of the outside.

With all of the benefits, it’s a wonder why more Valley homes don’t have retractable awnings and sunscreens. One reason, however, might be the misconception that they’re too expensive.

But, if you factor in the savings and benefits, the cost can be reasonable. Retractable awnings start at $1,500; solar sun screens can be as low as $600 for a standard 4 x 5 window.

Professional installation for both is recommended. Awnings come in many sizes, whereas solar sun screens are custom-fitted for the homeowner’s windows. Both have models that are motorized or can be manually operated.

Manually operated retractable awnings can provide extra stability for wind due to support arms that can be angled back against the house or set vertically on the deck or patio. Motorized awnings have no vertical supports, but lateral arms that create an unobstructed shaded area.

An optional wind sensor would retract the awning when there are gusts of wind. Motorized models are also more convenient, operating by either a wall switch or remote control.

When choosing an awning, make sure the fabric is water-repellent, fade-proof, mildew and mold-resistant and will block out at least 95% of UV rays. The frame should be lightweight and reliable. Awnings with dual stainless steel cables for the lateral arm are superior to those with one cable or with a chain design.

Homeowners should also be aware of manufacturer warranties on awnings and storm damage protection. “Our fabric for awnings comes with a 10-year warranty,” says Peters. “The motors we use have an 8-year warranty and are the best in the industry.”

By summer’s end, retractable awnings and sun screens do not have to be taken down – only retracted. They can be removed and taken with you if you purchase a new home, or kept as value-adding features when it’s time to sell.

Your Home

The economy got you down? Why not do something nice for someone to lift their spirits – and in turn, give your own mood a boost. The secret to random acts of kindness is recognizing someone else’s need and quietly filling that need without looking for recognition and without making a big deal out of it. Need some inspiration? NFL quarterback Kurt Warner recently revealed on “The Ellen DeGeneres Show” how his family spreads good energy when dining out. Warner lets his kids pick a family at random at a restaurant and then the Warners anonymously pick up the dinner tab. Even if you’re not feeling as flush as our favorite football star, try some of these less pricey random acts of kindness. Some won’t even cost you a dime!

• Talk to strangers. Whether it’s friendly chit-chat with a sales clerk at the department store or a genuine smile and hello to a fellow shopper at the food store, simple gestures of kindness will leave both parties feeling a little bit better about their day. You never know, your kindness might even be a highlight of both your days.

• Be a drive-thru hero. After getting your order, pick up the bill for the car behind you. Imagine how surprised and happy the person behind you will be. Or, if you’re paying for parking at an event, go ahead and pay for the car entering behind you too!

• Make friends on Facebook. Whether you’re a Facebook.com expert or newbie, why not connect with old friends and share some good vibes? Find pictures of an old friend who looks great? Tell them!

Impressed by a pal’s solid resume? Let them know.

• Go for a hike and clean up along the way.

Enjoy the great outdoors and while you’re at it, pick up any trash left on the trail. It’ll make you (and your kids if they come along) feel good and

will pass on happy feelings to any other nature lovers who see you in the act.

• Be a super neighbor. If an elderly couple lives next door, bring in their recycling and trash bins for them. Or if a neighbor just recently had a baby, drop off a prepared meal or offer to babysit their other children to give the parents some down time. Instead of just recycling your newspaper, drop it on the doorstep of a neighbor who you know might enjoy it. Same goes for magazines. These little gestures build good will and foster a sense of community, especially helpful during hard economic times.

• Forget about road rage. Don’t be one of those angry drivers! Instead, make someone’s day by letting them merge in front of you rather than whizzing right past. Or smile to a driver or passenger in the car next to you at a stoplight. You’ll be surprised how just a little friendliness on the road spreads to other drivers – and how good it feels to get a smile and a wave back.

• Let someone go ahead of you. Who doesn’t hate to stand in a long line, especially when you’re in a hurry? Next time you see someone behind you who’s clearly in a rush, let them go ahead of you. It’s just a little gesture, but it’s sure to be appreciated. Same goes for someone behind you that only has a few items to purchase when your cart is full. Think “good karma.”

• Get the kids involved. Have your children or grandchildren be part of your random acts of

kindness. Maybe you’re taking the kids to a theme park or arcade. If so, load your children up with tokens and have them hand the coins out to other kids, then enjoy all the smiles and screams of delight.

Maybe your kids can even use their own piggy bank change to purchase half the tokens. Or have your kids pack up some old toys, clothes, and books and bring them to a local charity, hospital, or homeless shelter. After all, it’s never too early to learn how good it feels to share and give to others. Now’s also a good time to remind them that good things often happen to good people. Just look at Kurt Warner!

Pineapple and Tomato Salad Ingredients:

Local Flavor!

Stomp ASU Gammage, May 5th-10th 480.965.3434 or asugammage.com This unique, explosive musical performance will keep the whole family entertained. The eight-member troupe uses just about anything as their percussion instruments. Well, anything but actual instruments. Performers will use wooden poles, garbage cans, hub caps and recently added paint cans to create their amazing rhythms. You won’t look at your pots and pans the same way after seeing this performance!

1 fresh pineapple, sliced in squares 3 orange vine-ripe tomatoes, sliced 1 cup Humboldt Fog goat cheese, crumbled 1 jalapeno, shaved very thin 1 ounce spicy chili oil 1/2 cup basil pesto micro basil to garnish Technique: Arrange tomato and pineapple slices shingled on platter and top with the remaining ingredients.

Featuring The Compass Restaurant at Hyatt Regency Phoenix 122 N. Second St. • Phoenix 602.252.1234 or phoenix.hyatt.com

Serves six.

Arizona Homeowner May / 2009

Inventive Home Lending 1400 E. Southern Avenue, Suite 615 Tempe, Arizona 85282 RETURN SERVICE REQUESTED

The financing of your real estate can be a daunting task. You want the best interest rate and you want the pre-approval, application and close of escrow processes to be hassle-free. I understand.

I listen. I respond quickly.

• I specialize in custom-designing a specific loan for each individual client. With over 400 loan programs at my fingertips, you will get a mortgage that best fits your unique situation.

• I use the latest technology in loan underwriting. You’ll receive a loan decision within hours. Don’t wait days to find out if you qualify for the home you really want!

• Closing thousands of loans and working with thousands of borrowers assures you that I have the knowledge and expertise to handle any situation.

• My impeccable reputation is my best asset. I always strive to exceed your expectations!

CALL ME TODAY!

the heat is on!

HOME SALES ARE HEATING UP!!

Sun Protection For Your Home

The spring home sales season in Metro Phoenix is always a good barometer of how things will go the rest of the year. And I am happy to report that we are seeing home buying activity surging to levels not experienced since the boom year of 2005. After a slow start to 2009, closing numbers have risen steadily since February. The $100K - $400K price range has been selling especially well.

What is causing the sudden surge in real estate sales despite the weak economy? The answer is that home prices and seller incentives to buyers are both at remarkable levels. The home purchase deals are too good for many to pass up. And this renewed interest in housing is happening at a time when mortgage rates are as low as they were back in the late 1950s.

Cheap home prices and low-rate financing have always been a great way to get things heated up in the real estate market. This is a step in the right direction to start getting real estate values and our economy back on track.

Wondering if you’re eligible for any part of the new government programs?

Here’s a brief summary of what is available: • First-time homebuyers are eligible for up to an $8K tax credit for buying and closing on a home by 12/01/09. And since it’s a tax credit, many will receive that as cash back when filing ’09 tax returns. You are essentially getting reimbursed for part or all of your down payment. First time homebuyers are classified as anyone not owning a home in the past three years. (There are restrictions so call me for details.)

• If you are behind on your mortgage payments the government has offered incentives to lenders to modify your loan so that the interest and payment is lower. (My office doesn’t handle loan modifications but we would be happy to offer free advice on how you can get help.)

• If you have a Fannie Mae or Freddie Mac loan you may be eligible for refinancing even if you owe more on your loan then your home is worth. (Call to see if YOUR loan is a Fannie Mae or Freddie Mac loan.)

• If you have an FHA or VA loan you may be eligible for refinancing even if you owe more than your home is worth. (There are restrictions. Call us to determine if you are eligible.)

WHAT CAN WE DO TO HELP YOU?

Due to the ailing economy it is no secret that many of the large banks that lend in Arizona are very selective about who qualifies for a loan. The percentage of mortgage loan applications that are denied financing is higher then it’s been in decades (even if you have excellent credit). Now more than ever a homebuyer or homeowner will need a good, wellconnected mortgage broker to fill in the lending gaps the big banks have left. And that’s just what we do. Here’s a sampling of our most popular programs: • Home Equity lines offered up to 80% of appraised value.

• Cash-out/debt consolidation refinances up to 85% of home’s value.

(Still available for a limited time. Restrictions apply.)

• Home improvement loans.

• Zero down VA & Farm Area loans and 3.5% down FHA loans!

Brady Holland President 480.627.2423 bradyh@ihlending.com www.ihlending.com

MORTGAGE RATES AS OF 4/10/09 Loan Rates for $150K-$417K

30-Year Fixed at 4.750%/4.899% APR 15-Year Fixed at 4.500%/4.739% APR

Simple Ways To Bring Joy To Others

Loan Rates for $418K-$1M

5/1 ARM at 4.625%/4.872% APR 7/1 ARM at 4.875%/5.102% APR

*Note: Quotes assume primary home financing with 680+ fico score on a single family property with 20%-30% equity.

All quotes offered at 1% origination fee.

MB0905347 If your home is currently listed, this is not a solicitation for that listing.

random acts of kindness

Produced by Desert Lifestyle Publishing • 480.460.0996

unexpected flavors delight

The Compass Restaurant’s Tomato Pineapple Salad