J OHN C OATS
Arizona Homeowner March | April 2014
Mortgage Banker MLO-117281
Real estate financing can be a daunting task. I understand. I listen to your needs. And I respond quickly and deliver. Let me put my nearly two decades of residential lending experience to work for you!
Call me today!
Spring Fever Hits! Baseball Heaven
Get The Home You Want NOW!
JOHN COATS Mortgage Banker
MLO-117281
Direct: 602.327.3631 John@JohnCoatsMortgages.com PCMArizona.com
Pinnacle Capital mortgage corporation PINNACLE CAPITAL MORTGAGE CORPORATION JOHN COATS MLO#117281 OR, CA, ID, UT NMLS 81395 AZ-BK 910890 COLORADO LMB 100021795 CHECK THE LICENSE STATUS OF YOUR MORTGAGE LOAN ORIGINATOR HTTP://WWW.DORA.STATE.CO.US/REAL-ESTATE/INDEX.HTM LICENSED BY THE DEPARTMENT OF CORPORATIONS UNDER THE CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT 3200 EAST CAMELBACK ROAD, SUITE 123, PHOENIX, AZ 85018 DIRECT: 602-840-3383 | FAX: 866-542-3694 THIS IS NOT A COMMITMENT TO LEND. SUBJECT TO QUALIFICATION. NOT ALL APPLICANTS WILL QUALIFY.
• • • • • • •
8% Down for $200,000 - $417,000 Sales Price 13% Down for >$417,000 <=$1,000,000 Sales Price Owner Occupied SFR, Detached PUDs only 1 DAY Seasoning of a Bankruptcy, Foreclosure or Short-Sale Minimum 550 FICO Score Maximum 50% Debt-to-Income 6 Year Purchase & Sale Agreement to execute Option to Buy home when they can obtain Institutional Financing (provided by Pinnacle Capital)
Ask me about this exclusive program only to our company. This program will eliminate your waiting period to own a home. Call me today!
John Coats Branch Manager
(602) 327-3631 john@pcmarizona.com
Pinnacle Capital Mortgage 3200 East Camelback Road | Suite 123 | Phoenix, AZ 85018
www.pcmarizona.com NMLS 81395 | AZ-BK 910980 Equal Housing Lender
the good earth Get Gardening
incredible Italian cuisine LaBocca’s Spaghetti Alla Bolognes
Produced by Desert Lifestyle Publishing • 480.460.0996 • www.DesertLifestyle.net
Event Calendar March | April 2014
Masters of Movement Orpheum Theatre | March 27-30 602.381.1096 | BalletAZ.org Masters of Movement features works by acclaimed modern day dance choreographers that push the boundaries of classical ballet. Alejandro Cerrudo, acclaimed choreographer from Hubbard Street Dance Chicago, presents Off Screen, with dance inspired by film scores. It’s slinky and modern, with sexy steps and eccentric moves. Ib Andersen’s elegant and intricate masterpiece Symphonie Classique returns with costumes by Martin Pakledinaz, two-time Tony Award winning designer. 2014 Windsor Square Home and Garden Tour Windsor Square Historic District | March 30 602.619.4444 | WindsorSquarePhoenix.org Located at Central Avenue and Camelback Road in the central corridor of Phoenix, Windsor Square is one of the most sought-after historic neighborhoods in Arizona. The breathtakingly beautiful Windsor Square neighborhood is rich with history with many homes that are 60 to 75 years old. Started in 1929, the 260-home neighborhood is considered to be one of the first few suburbs of the city of Phoenix. The historic home and garden tour is a self-guided walking tour featuring 12 historic homes, a beautiful garden, plant societies and a beer garden. Music in the Garden Desert Botanical Garden | April 4 480.481.8188 | DBG.org Situated at the base of a saguaro-lined butte Music in the Desert Botanical Garden pairs great live local bands with the most enchanting venue in the Valley. Fabulous Food Fine Catering and Events provides a chef-attended station featuring weekly specials for an additional charge. The Patio Café will also be open during the concert with items for purchase from the café menu. A full cash bar, wine flights and wine by the bottle are available for purchase. Scottsdale Culinary Festival Scottsdale Center for the Performing Arts | April 8-13 480.945.7193 | ScottsdaleFest.org This festival draws more than 40,000 visitors looking to enjoy fabulous food, fun and festivities. No matter what kind of culinary experience you crave, there’s something for everyone! If you love great food, fine wine and boutique brews, the Scottsdale Culinary Festival is a priority on your itinerary. This six-day celebration of the culinary arts has something for everyone, from exquisite multi-course meals and wine-and-chocolate pairings to the Great Arizona Picnic.
Batter up! It’s baseball spring training season in Arizona again, and we’re in the midst of some serious fun in the sun. There’s no place better to experience America’s favorite pastime and enjoy seeing your favorite teams warm up for the regular season than here in Phoenix where the weather is perfect for baseball. And all the major players are here right in our own backyard! (And did we mention the price can’t be beat?) Whether you’re a Valley resident who relocated from another region and longs to see their favorite team, or a Diamondbacks diehard who just wants to get the season started, you’re in the right place to see the best of baseball right here at home. For those who aren’t up on their spring training stats, here’s a quick overview of all our region has to offer. The Phoenix metro area is home to the Cactus League, which traces its roots back to 1947 when two teams, the Cleveland Indians and the then-New York Giants, began seeking out the Arizona sun for spring training. Today the league is comprised of 15 Major League Baseball teams that train for the regular season under the warm Arizona spring sun. The teams play at 15 stadiums sprinkled throughout the region: Camelback
Spring Gardening Gardening in the Valley can be a little tricky. It’s dry. It’s hot. And because of our ultra-hot summers and mild winters, we have two general growing seasons: from mid-February through May and again from September through mid-November. As the risk of overnight below-freezing temperatures diminishes about mid-March, it’s time for green-thumbed Valley residents to get back to gardening. That means tidying up the yard and selecting new flowers to plant in the ground. These new plants will generally bloom in late summer or fall. But in the Phoenix area, certain plants do better than others, and new residents should be aware that plants that do well in other parts of the country will not do well here in the desert. One of the most important rules to gardening in the Valley is choosing plants that will do well and survive in the high heat of our climate. After all, Phoenix is located in the Sonoran Desert and is a subtropical desert zone so not just any plant will do well and thrive here. The first plants that fit the bill are xeriscape and native plants, or plants that are acclimated to dry climates and can survive with the natural rainfall in the Valley. In short, they need little or no supplemental water, which is important when water is scarce. Many xeriscape plants are native to the area which is why they thrive here. Consider cactus, such as saguaro and prickly pear; succulents, such as agave, aloe, and ocotillo; and perennials, including sage, lantana, desert marigolds, desert coreopsis, and a wide variety of penstemon. For pops of color that last throughout the growing season, many more traditional annuals that do well in other locales also put on a show here in Arizona. And several, such as marigolds, sunflowers, southwestern cosmos, Mexican gold poppy, flax, and zinnias, can all do well even in the extreme heat as long as they are regularly and thoroughly watered. For a complete guide of what plants to plant this spring, visit the Desert Botanical Garden’s web site at www.dbg.org and click on “Gardening tips for every month of the year.” And be sure to check out their Spring Plant Sale March 15 & 16. You can also visit any garden nursery in the area to get many more ideas and suggestions for plants that will bring you years of enjoyment in your garden.
Your Home
Ranch in Phoenix (home to the Chicago White Sox and the Los Angeles Dodgers), Goodyear Ballpark in Goodyear (home to the Cincinnati Reds and the Cleveland Indians), Cubs Park in Mesa (home to the Chicago Cubs), Maryvale Baseball Park in Phoenix (home to the Milwaukee Brewers), Peoria Sports Complex in Peoria (home to the San Diego Padres and the Seattle Mariners), Phoenix Municipal Stadium in Phoenix (home to the Oakland Athletics), Scottsdale Stadium in Scottsdale (home to the San Francisco Giants), Surprise Stadium in Surprise (home to the Kansas City Royals and
the Texas Rangers), Tempe Diablo Stadium in Tempe (home to the Los Angeles Angels), and Salt River Fields at Talking Stick in Scottsdale (home to the Arizona Diamondbacks and the Colorado Rockies). Want to see some of your favorite teams out on the diamond? Check out the complete spring training schedule at www.springtrainingonline.com. The regular Major League Baseball season starts March 31st, so don’t delay on getting out there to see your favorite teams at family-friendly prices during the spring training season. The weather is perfect, the prices are low, and the ballparks are all in close proximity to one another, making it possible to see several games in a short time. What are you waiting for?
Bolognese Sauce INGREDIENTS: 1/2 lb ground beef (80/20) 1/2 lb ground hot Italian sausage 1/2 lb ground veal 1/2 yellow onion diced 1 small carrot diced 1/4 lb button mushrooms sliced 1/2 tbsp garlic minced 1/2 tbsp Kosher salt
Local Flavor!
44th Annual Scottsdale Arts Festival Scottsdale Center for the Performing Arts | March 14-16 480.499.8587 | ScottsdalePerformingArts.org The Scottsdale Arts Festival has been recognized for its high-quality fine arts since 1971. The Festival showcases nearly 200 jury-selected artists from throughout the United States and Canada who work in painting, sculpture, glass and ceramics, jewelry, photography and more. Works of art are available for purchase directly from the artists and through the Festival’s online art auction.
La Bocca Urban Pizzeria & Wine Bar 480.967.5244 | LaBoccaPizzeria.com
1/2 tbsp oregano dried 1/4 tsp clove ground 4 oz tomato paste 1/2 cup white wine 2 oz evaporated milk 1 1/2 28oz cans of petite diced tomato 1/4 c fresh herbs minced (parsley, oregano, and basil)
DIRECTIONS: In a large pot brown the three meats separately reserving the rendered fat. Remove the cooked ground beef and place into a large mixing bowl before adding the sausage, and follow this procedure until the veal has been cooked. Discard all of the rendered fat except for 1/4 cup. Add the onion, and carrot to the 1/4 cup of rendered fat and sprinkle 1/4 tablespoon of the Kosher salt to this mixture then cook over medium heat until tender. Once the carrots and onions are tender add the garlic and sliced mushrooms add remaining 1/4 tablespoon of Kosher salt and cook for an additional five minutes over medium heat. Add the dried oregano, and ground clove to the mushrooms and vegetables, stir in the tomato paste and cook for two minutes stirring constantly. Add the white wine and evaporated milk, and the 1 1/2 cans of tomato. Bring to a boil and reduce to a simmer and cook for three hours over low heat. Finish the sauce with the minced fresh herbs and adjust the seasonings with salt and pepper as needed. Serve with your favorite pasta noodles and garlic bread.
Event Calendar March | April 2014
Masters of Movement Orpheum Theatre | March 27-30 602.381.1096 | BalletAZ.org Masters of Movement features works by acclaimed modern day dance choreographers that push the boundaries of classical ballet. Alejandro Cerrudo, acclaimed choreographer from Hubbard Street Dance Chicago, presents Off Screen, with dance inspired by film scores. It’s slinky and modern, with sexy steps and eccentric moves. Ib Andersen’s elegant and intricate masterpiece Symphonie Classique returns with costumes by Martin Pakledinaz, two-time Tony Award winning designer. 2014 Windsor Square Home and Garden Tour Windsor Square Historic District | March 30 602.619.4444 | WindsorSquarePhoenix.org Located at Central Avenue and Camelback Road in the central corridor of Phoenix, Windsor Square is one of the most sought-after historic neighborhoods in Arizona. The breathtakingly beautiful Windsor Square neighborhood is rich with history with many homes that are 60 to 75 years old. Started in 1929, the 260-home neighborhood is considered to be one of the first few suburbs of the city of Phoenix. The historic home and garden tour is a self-guided walking tour featuring 12 historic homes, a beautiful garden, plant societies and a beer garden. Music in the Garden Desert Botanical Garden | April 4 480.481.8188 | DBG.org Situated at the base of a saguaro-lined butte Music in the Desert Botanical Garden pairs great live local bands with the most enchanting venue in the Valley. Fabulous Food Fine Catering and Events provides a chef-attended station featuring weekly specials for an additional charge. The Patio Café will also be open during the concert with items for purchase from the café menu. A full cash bar, wine flights and wine by the bottle are available for purchase. Scottsdale Culinary Festival Scottsdale Center for the Performing Arts | April 8-13 480.945.7193 | ScottsdaleFest.org This festival draws more than 40,000 visitors looking to enjoy fabulous food, fun and festivities. No matter what kind of culinary experience you crave, there’s something for everyone! If you love great food, fine wine and boutique brews, the Scottsdale Culinary Festival is a priority on your itinerary. This six-day celebration of the culinary arts has something for everyone, from exquisite multi-course meals and wine-and-chocolate pairings to the Great Arizona Picnic.
Batter up! It’s baseball spring training season in Arizona again, and we’re in the midst of some serious fun in the sun. There’s no place better to experience America’s favorite pastime and enjoy seeing your favorite teams warm up for the regular season than here in Phoenix where the weather is perfect for baseball. And all the major players are here right in our own backyard! (And did we mention the price can’t be beat?) Whether you’re a Valley resident who relocated from another region and longs to see their favorite team, or a Diamondbacks diehard who just wants to get the season started, you’re in the right place to see the best of baseball right here at home. For those who aren’t up on their spring training stats, here’s a quick overview of all our region has to offer. The Phoenix metro area is home to the Cactus League, which traces its roots back to 1947 when two teams, the Cleveland Indians and the then-New York Giants, began seeking out the Arizona sun for spring training. Today the league is comprised of 15 Major League Baseball teams that train for the regular season under the warm Arizona spring sun. The teams play at 15 stadiums sprinkled throughout the region: Camelback
Spring Gardening Gardening in the Valley can be a little tricky. It’s dry. It’s hot. And because of our ultra-hot summers and mild winters, we have two general growing seasons: from mid-February through May and again from September through mid-November. As the risk of overnight below-freezing temperatures diminishes about mid-March, it’s time for green-thumbed Valley residents to get back to gardening. That means tidying up the yard and selecting new flowers to plant in the ground. These new plants will generally bloom in late summer or fall. But in the Phoenix area, certain plants do better than others, and new residents should be aware that plants that do well in other parts of the country will not do well here in the desert. One of the most important rules to gardening in the Valley is choosing plants that will do well and survive in the high heat of our climate. After all, Phoenix is located in the Sonoran Desert and is a subtropical desert zone so not just any plant will do well and thrive here. The first plants that fit the bill are xeriscape and native plants, or plants that are acclimated to dry climates and can survive with the natural rainfall in the Valley. In short, they need little or no supplemental water, which is important when water is scarce. Many xeriscape plants are native to the area which is why they thrive here. Consider cactus, such as saguaro and prickly pear; succulents, such as agave, aloe, and ocotillo; and perennials, including sage, lantana, desert marigolds, desert coreopsis, and a wide variety of penstemon. For pops of color that last throughout the growing season, many more traditional annuals that do well in other locales also put on a show here in Arizona. And several, such as marigolds, sunflowers, southwestern cosmos, Mexican gold poppy, flax, and zinnias, can all do well even in the extreme heat as long as they are regularly and thoroughly watered. For a complete guide of what plants to plant this spring, visit the Desert Botanical Garden’s web site at www.dbg.org and click on “Gardening tips for every month of the year.” And be sure to check out their Spring Plant Sale March 15 & 16. You can also visit any garden nursery in the area to get many more ideas and suggestions for plants that will bring you years of enjoyment in your garden.
Your Home
Ranch in Phoenix (home to the Chicago White Sox and the Los Angeles Dodgers), Goodyear Ballpark in Goodyear (home to the Cincinnati Reds and the Cleveland Indians), Cubs Park in Mesa (home to the Chicago Cubs), Maryvale Baseball Park in Phoenix (home to the Milwaukee Brewers), Peoria Sports Complex in Peoria (home to the San Diego Padres and the Seattle Mariners), Phoenix Municipal Stadium in Phoenix (home to the Oakland Athletics), Scottsdale Stadium in Scottsdale (home to the San Francisco Giants), Surprise Stadium in Surprise (home to the Kansas City Royals and
the Texas Rangers), Tempe Diablo Stadium in Tempe (home to the Los Angeles Angels), and Salt River Fields at Talking Stick in Scottsdale (home to the Arizona Diamondbacks and the Colorado Rockies). Want to see some of your favorite teams out on the diamond? Check out the complete spring training schedule at www.springtrainingonline.com. The regular Major League Baseball season starts March 31st, so don’t delay on getting out there to see your favorite teams at family-friendly prices during the spring training season. The weather is perfect, the prices are low, and the ballparks are all in close proximity to one another, making it possible to see several games in a short time. What are you waiting for?
Bolognese Sauce INGREDIENTS: 1/2 lb ground beef (80/20) 1/2 lb ground hot Italian sausage 1/2 lb ground veal 1/2 yellow onion diced 1 small carrot diced 1/4 lb button mushrooms sliced 1/2 tbsp garlic minced 1/2 tbsp Kosher salt
Local Flavor!
44th Annual Scottsdale Arts Festival Scottsdale Center for the Performing Arts | March 14-16 480.499.8587 | ScottsdalePerformingArts.org The Scottsdale Arts Festival has been recognized for its high-quality fine arts since 1971. The Festival showcases nearly 200 jury-selected artists from throughout the United States and Canada who work in painting, sculpture, glass and ceramics, jewelry, photography and more. Works of art are available for purchase directly from the artists and through the Festival’s online art auction.
La Bocca Urban Pizzeria & Wine Bar 480.967.5244 | LaBoccaPizzeria.com
1/2 tbsp oregano dried 1/4 tsp clove ground 4 oz tomato paste 1/2 cup white wine 2 oz evaporated milk 1 1/2 28oz cans of petite diced tomato 1/4 c fresh herbs minced (parsley, oregano, and basil)
DIRECTIONS: In a large pot brown the three meats separately reserving the rendered fat. Remove the cooked ground beef and place into a large mixing bowl before adding the sausage, and follow this procedure until the veal has been cooked. Discard all of the rendered fat except for 1/4 cup. Add the onion, and carrot to the 1/4 cup of rendered fat and sprinkle 1/4 tablespoon of the Kosher salt to this mixture then cook over medium heat until tender. Once the carrots and onions are tender add the garlic and sliced mushrooms add remaining 1/4 tablespoon of Kosher salt and cook for an additional five minutes over medium heat. Add the dried oregano, and ground clove to the mushrooms and vegetables, stir in the tomato paste and cook for two minutes stirring constantly. Add the white wine and evaporated milk, and the 1 1/2 cans of tomato. Bring to a boil and reduce to a simmer and cook for three hours over low heat. Finish the sauce with the minced fresh herbs and adjust the seasonings with salt and pepper as needed. Serve with your favorite pasta noodles and garlic bread.
Brady Holland
Arizona Homeowner March | April 2014
Mortgage Banker MLO-180079
Real estate financing can be a daunting task. And that is especially true in today’s world where lenders are more cautious about lending due to economic uncertainty. I understand that choosing a mortgage is one the biggest decisions that you will make. You want the best interest rate and you want the pre-approval, application, and close of escrow process to be hassle-free. I understand. I listen to your needs. And I respond quickly and deliver. Let me put my nearly two decades of residential lending experience to work for you!
Call me today!
PEAK HOME BUYING SEASON
Welcome to spring! Our near-perfect weather this time of year also sets the stage for peak season in home buying and selling. The last couple of years have been a bit of a seller’s market, with over 25% annual home appreciation in most areas of the Valley. But for 2014, the market seems to be back to a more normal balance with homes selling in an average of three to six months. As an example, in January of this year, there were just under 4,000 homes sold with 21,000 homes on the market. The last time we had a market with this type of “normal” balance was all the way back in 2003. But as January’s numbers illustrate, a normal market with a healthy inventory of homes tips the scale in favor of the buyer. If you are looking to buy a new home, you may not find a better time with this amount of inventory of homes and the low mortgage rate environment.
If you are looking to buy or sell your home, or just want to do some spring cleaning, here are some tools to help you get started: Curious what your home is currently worth? Understanding your home’s value is useful when thinking about selling a home. And since your home represents a good portion of family wealth, it is good to document the value from time-to-time. Our technology has improved to the point where I can now offer a free automated home valuation to any interested clients. Just call or email and I can send you a free report within 24 hours.
Brady Holland Branch Manager MLO-180079
Direct: 480.272.3282 Email: Brady@BradyHollandGroup.com
www.BradyHollandGroup.com
Many of you were required to have mortgage insurance because you had less than 20% equity when you took out your last mortgage. That’s probably costing you anywhere between $100-$450 per month. But you don’t have to pay mortgage insurance forever.
Contact me to find out how to get rid of your mortgage insurance and save yourself thousands of dollars a year.
AZ BK#910890
Baseball Heaven
Time to update your home? With home values accelerating, many people now want to finance home improvements to increase their enjoyment and maximize their resale value. Contact me today to find out how to make home improvements affordable. Do your credit card balances seem to never go away? Contact me to find out about a disciplined approach to use the low rates and tax deductibility of mortgage interest as a tool to pay off your credit card debt in record time.
MORTGAGE RATES As of 2/15/14
Loan Rates for $150K-$417K: • 30-Year Fixed: 4.500%/4.744% APR • 15-Year Fixed: 3.500%/3.843% APR • 7/1 ARM: 3.500%/3.392% APR
*Note: All above conventional rate quotes offered for primary home purchase or no cash-out refinance financing with 20% equity and 720+ FICO scores. Other financing options are available upon request. All rates are quoted subject to change without notice. NMLS 81395
Spring Fever Hits!
This is not a commitment to lend. Subject to qualification. Not all applicants will qualify.
Produced by Desert Lifestyle Publishing • 480.460.0996 • www.DesertLifestyle.net
the good earth Get Gardening
incredible Italian cuisine LaBocca’s Spaghetti Alla Bolognes