Brady Holland
Senior Mortgage Banker
85026 PERMIT 1441
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! • The needs of every client are different. I specialize in tailoring a loan and financing strategy that will best fit the individual needs of each client. • Have you ever closed on a mortgage and later had remorse that you may have picked the wrong loan program or paid too much in fees? I offer a benefit analysis on every loan to ensure that the loan program and the associated costs are the best fit and in the best interest of the client. • I use the latest lending technology to deliver a loan credit decision in hours, not days.
ARE YOU “UPSIDE-DOWN” ON YOUR HOME BUT WOULD LIKE TO REFINANCE OUT OF YOUR 5%-6% (OR MORE!) RANGE INTO TODAY’S LOW 4% FIXED RATES? HOLD ONTO YOUR HATS, THIS IS HUGE NEWS AND EXACTLY WHAT YOU’VE BEEN WAITING FOR…
• Closing thousands of loans over the course of my career assures you that as an industry veteran I have the knowledge and expertise to handle every situation.
Consult An Interior Designer
• My impeccable reputation is my best asset. I always strive to exceed your expectations and earn your business for life!
Call me today!
Arizona Homeowner March | April 2012
We can now refinance most loans without ANY restrictions regarding the amount a property is upside-down! If you have NO EQUITY, it doesn’t matter! With mortgage rates at record lows, there are tremendous savings opportunities for almost everyone. CALL OR EMAIL ME RIGHT AWAY! I’ll help determine your eligibility and tell you: · How much money a refinance will save you every month! · How you’ll even get to skip a month’s mortgage payment as part of your refinance package!
MORTGAGE RATES Brady Holland
Senior Mortgage Banker NMLS 180079
Office: 480.278.8993 Cell: 480.272.3282 E-Fax: 480.223.4290 BHolland@VIPMtgInc.com
As of 12/15/11
Loan Rates for $150K-$417K: • 30-Year Fixed: 4.375%/4.484% APR • 15-Year Fixed: 3.625%/3.807% APR • 5/1 ARM: 3.625%/3.727% APR
Loan Rates for $418K-$1.5M: • 30-Year Fixed: 5.000%/5.055% APR • 5/1 ARM: 4.375%/3.535% APR • 7/1 ARM: 5.000%/4.008% APR
*Note: All rate quotes offered at 0% points for primary home purchase or no cash-out refinance financing with 720+ FICO score. Loans under $417K are quoted based on 20% equity while loans over $417K require 20%-30% equity. Other financing options are available upon request. NMLS 145502 AZ BK#0909074
Produced by Desert Lifestyle Publishing • 480.460.0996 • www.DesertLifestyle.net
hit the trails!
Some Popular Valley Hikes
asian fare with a contemporary flair Sushi Roku’s Sea Bass
Event Calendar March | April 2012
Spring in the Valley is simply glorious! March and April bring us cool mornings and warm afternoons – perfect hiking weather. Whether you’re a Valley native, new to the area, a seasoned hiker or just looking for some weekend recreation, here is a guide to some popular hikes in and around Phoenix. Try a new one, or enjoy an old favorite!
Phoenix Symphony Orpheum Theatre, March 17th 602.495.1999 | PhoenixSymphony.org Celebrate St. Patty’s Day with an afternoon salute to Dr. Seuss’ Green Eggs & Ham performed live by The Symphony and The Valley Youth Theater. Or, get your groove on and attend the evening performance of Motown’s Greatest Hits. Each performance is sure to delight!
Scottsdale Culinary Festival Scottsdale Civic Center Plaza, April 17th – 22nd 480.945.7193 | ScottsdaleCulinaryFestival.org There is just no other local festival that trumps this one-of-a-kind culinary experience. Partake in many great events including Bubbles and Bliss, Chef’s Wine Dinner and Best of the Fest. The event that always wows crowds is the Great Arizona Picnic featuring food from over 50 restaurants, cooking demonstrations, live entertainment and over 200 beers to sample. 6th Annual Pat’s Run Sun Devil Stadium, April 21st 480.621.4074 | PatTillmanFoundation.org Join over 20,000 runners and walkers as they come together to celebrate the memory of football star and military hero Pat Tillman. Complete the 4.2 mile run/ walk and continue the fun with a finish-line festival featuring live music, refreshments and an expo. This event raises funds for the Pat Tillman Foundation, which carries on Pat’s legacy of supporting our future generations with academic scholarships. Astronomy Evening Pinnacle Peak Park, April 21st 480.312.0990 | ScottsdaleAZ.gov Enjoy a beautiful desert evening under the stars and learn about some of the objects visible in the night sky. A short talk explaining interesting facts about the solar system and the galaxy around the planet earth is followed by observing the moon, several planets, multiple star systems, globular clusters and nebulae through a celestron telescope.
SUNRISE TRAIL MCDOWELL SONORAN PRESERVE Via Linda & 145th Way | Scottsdale From the trailhead, you can hike 1.2 miles to a scenic view at 2460’ elevation. For a bit more of a challenge, take the longer 2-mile hike to reach Sunrise Peak at 3069’. The entire trail is 4.9 miles long and takes you to the Lost Dog Wash area. You’ll encounter views of nearby canyons, distant mountains and even a panorama of the Valley. Difficulty: moderate
WITH AN INTERIOR DESIGNER Reality TV shows, such as Trading Spaces, While You Were Out, and Eye on Design, have brought decorating and interior design to the forefront of mainstream America. Whether you want to redo a room or an entire house, an interior designer can help you define your space and attain your decorating vision. Interior designers know the ins and outs of decorating, including more than just coordinating paint and wallpaper. They can advise you about lighting choices, carpet, hard surface flooring, furniture, window treatments and much more. Before contacting a designer, it is important to define the function of each room or space in your home. Do you need a haven for relaxation, an inviting room that welcomes family and friends, or an energizing area that can help you keep on track for work? An interior designer is specially trained to help you balance your dream, functional needs and budget. This professional will facilitate the design project by listening to your ideas, provide expert feedback, and then create a plan to accomplish your objective while managing resources and trades people to achieve your vision. Working with a designer can save you time and money by allocating resources wisely and eliminating decorating mistakes. They can advise on current fashion trends to achieve functional and aesthetically appealing new looks by blending furniture, fabrics, finishes, window treatments, rugs and even interior lighting. COMMUNICATION IS KEY Make sure your designer understands your vision for the design project. The more information you can communicate to your designer, the better. Collect paint and fabric color swatches, and magazine pictures of rooms, furniture and color schemes you like to illustrate your ideas. These samples will give your designer a springboard for creating a custom design. If you don’t agree with the designer’s approach, speak up! Once you feel comfortable and everyone agrees on the design plan, move ahead. With your approval, an interior designer will put the wheels in motion to transform your room or home, while working within a budget and on a set schedule. WHAT TO EXPECT FROM AN INTERIOR DESIGNER Whether you consult with a designer by the hour or the day, for a room or the entire house – this professional’s expertise is worth its weight in gold and should include: • An in-home consultation and walk-through of the project room • The ability to make the right product selections for your project • Creative ideas and solutions for your project • Coordination of color and design scheme by showing you fabric and paint samples, and suggesting window treatments and surface solutions such as flooring and countertops • Suggestions on how to improve a room’s function by applying design principles of color, texture, balance, lighting, etc. • The attitude that your home should reflect the style and personalities of the family living there
Your Home
SUMMIT (ECHO CANYON) TRAIL CAMELBACK MOUNTAIN McDonald Drive east of Tatum Blvd. in the Echo Canyon Recreation Area | Paradise Valley This is the more popular of the two trails on Camelback. A rigorous climb of 1264’ will bring you to the mountain’s 2704’ summit. Spectacular views of the entire Valley and the potential for some of the best sunsets you’ll ever see make this hike one of the most popular in Phoenix. Difficulty: moderate to difficult
CHOLLA TRAIL CAMELBACK MOUNTAIN McDonald Drive east of Tatum Blvd. in the Echo Canyon Recreation Area | Paradise Valley Another less populated trail, the Cholla trail is also slightly easier. Although it’s a longer way up, you’ll encounter open views along the trail and probably less hikers. While the Summit Trail runs up the western side of the mountain, the Cholla Trail scales the gentler eastern ridge. If you’re a Camelback Mountain veteran, try a different way up for a change. Difficulty: moderate to difficult PINNACLE PEAK TRAIL 102nd Way & Alma School Scottsdale One of the newest trails in the Valley, this hike proves to be enjoyable all around. The trail begins at the eastern foot of Pinnacle Peak and switchbacks its way up the side of the hill. It’s not a loop trail, but rather an out-and-back. The trail runs 1.75 miles one-way and reaches its highest level at 2889’. It’s a
climb of 320’ or so. Beautiful Scottsdale vistas await, and the giant boulders and plentiful desert plant life make this a hike to bring out-of-town visitors to. Difficulty: easy NATIONAL TRAIL SOUTH MOUNTAIN PARK Baseline Road west of 48th Street Phoenix South Mountain Park is made up of three mountain ranges and expands over 16,000 acres! There is a large network of trails within the park to choose from. One of the more popular trails, the National Trail, runs 14.8 miles in length and ends at the westernmost tip of the park. This trail has some rocky and steep sections but is overall more for endurance hikers than for vertical hikers. Difficulty: moderate to difficult
CAVE CREEK TRAIL Seven Springs Recreation Area Cave Creek There are many trails that make up the area, so be sure to refer to the wooden map sign at the trailhead before you start. A particularly nice loop to take is 8.9 miles in length and is the epitome of gorgeous desert hiking. From the Cave Creek Trailhead (Tr. #4), you’ll hike about 4 miles and meet up with the Skunk Creek Trail (Tr. #246). Take that trail until it loops back to Tr. #4 again and back to the trailhead. Expect to see the gurgling creek, a rare crested saguaro, and plenty of wildlife. Difficulty: moderate
CHILEAN SEA BASS WITH TRUFFLE MISO GLAZE Ingredients 6 oz. Chilean sea bass filet 1 Tbs. olive oil 1 Tbs. chopped shallots 1/4 cup white cooking wine 1/4 cup truffle miso glaze sauce mix (see recipe) 1 Tbs. olive oil (for grilling sea bass) 1 cup spinach (sautéed with garlic, salt and pepper) 1 cup crispy onions 1 sprig chervil 1 Tbs. diced tomato garnish
Local Flavor!
Agave on the Rocks Desert Botanical Garden, March 30th 480.481.8188 | DBG.org Celebrate the essence of the margarita and the spirit of the Southwest at the 10th Annual Agave on the Rocks. Savor an evening of gourmet eats prepared by the Valley’s best restaurants and caterers and samba under the stars to vibrant Latin rhythms, including performances by DJ Miguel Ivery, Fuerza Caribe and Grupo Liberdade.
Lace Up Your Boots!
Featuring Sushi Roku 480.970.2121 | SushiRoku.com
Procedure Grill sea bass, turning to make grill marks. Finish in oven. In a small saucepan sauté shallots with olive oil, then add white wine to deglaze. Add truffle miso glaze
sauce mix and bring to a light simmer. Place sautéed spinach on center of plate and place sea bass filet on top of spinach. Drizzle sauce around and on top of fish. Garnish with crispy onions, diced tomatoes and chervil. Miso Glaze Sauce 1 tsp. wasabi paste 1 cup Japanese miso dressing 1 Tbs. white truffle oil 1/8 tsp. ground black pepper Mix all ingredients and chill until ready to use.
Event Calendar March | April 2012
Spring in the Valley is simply glorious! March and April bring us cool mornings and warm afternoons – perfect hiking weather. Whether you’re a Valley native, new to the area, a seasoned hiker or just looking for some weekend recreation, here is a guide to some popular hikes in and around Phoenix. Try a new one, or enjoy an old favorite!
Phoenix Symphony Orpheum Theatre, March 17th 602.495.1999 | PhoenixSymphony.org Celebrate St. Patty’s Day with an afternoon salute to Dr. Seuss’ Green Eggs & Ham performed live by The Symphony and The Valley Youth Theater. Or, get your groove on and attend the evening performance of Motown’s Greatest Hits. Each performance is sure to delight!
Scottsdale Culinary Festival Scottsdale Civic Center Plaza, April 17th – 22nd 480.945.7193 | ScottsdaleCulinaryFestival.org There is just no other local festival that trumps this one-of-a-kind culinary experience. Partake in many great events including Bubbles and Bliss, Chef’s Wine Dinner and Best of the Fest. The event that always wows crowds is the Great Arizona Picnic featuring food from over 50 restaurants, cooking demonstrations, live entertainment and over 200 beers to sample. 6th Annual Pat’s Run Sun Devil Stadium, April 21st 480.621.4074 | PatTillmanFoundation.org Join over 20,000 runners and walkers as they come together to celebrate the memory of football star and military hero Pat Tillman. Complete the 4.2 mile run/ walk and continue the fun with a finish-line festival featuring live music, refreshments and an expo. This event raises funds for the Pat Tillman Foundation, which carries on Pat’s legacy of supporting our future generations with academic scholarships. Astronomy Evening Pinnacle Peak Park, April 21st 480.312.0990 | ScottsdaleAZ.gov Enjoy a beautiful desert evening under the stars and learn about some of the objects visible in the night sky. A short talk explaining interesting facts about the solar system and the galaxy around the planet earth is followed by observing the moon, several planets, multiple star systems, globular clusters and nebulae through a celestron telescope.
SUNRISE TRAIL MCDOWELL SONORAN PRESERVE Via Linda & 145th Way | Scottsdale From the trailhead, you can hike 1.2 miles to a scenic view at 2460’ elevation. For a bit more of a challenge, take the longer 2-mile hike to reach Sunrise Peak at 3069’. The entire trail is 4.9 miles long and takes you to the Lost Dog Wash area. You’ll encounter views of nearby canyons, distant mountains and even a panorama of the Valley. Difficulty: moderate
WITH AN INTERIOR DESIGNER Reality TV shows, such as Trading Spaces, While You Were Out, and Eye on Design, have brought decorating and interior design to the forefront of mainstream America. Whether you want to redo a room or an entire house, an interior designer can help you define your space and attain your decorating vision. Interior designers know the ins and outs of decorating, including more than just coordinating paint and wallpaper. They can advise you about lighting choices, carpet, hard surface flooring, furniture, window treatments and much more. Before contacting a designer, it is important to define the function of each room or space in your home. Do you need a haven for relaxation, an inviting room that welcomes family and friends, or an energizing area that can help you keep on track for work? An interior designer is specially trained to help you balance your dream, functional needs and budget. This professional will facilitate the design project by listening to your ideas, provide expert feedback, and then create a plan to accomplish your objective while managing resources and trades people to achieve your vision. Working with a designer can save you time and money by allocating resources wisely and eliminating decorating mistakes. They can advise on current fashion trends to achieve functional and aesthetically appealing new looks by blending furniture, fabrics, finishes, window treatments, rugs and even interior lighting. COMMUNICATION IS KEY Make sure your designer understands your vision for the design project. The more information you can communicate to your designer, the better. Collect paint and fabric color swatches, and magazine pictures of rooms, furniture and color schemes you like to illustrate your ideas. These samples will give your designer a springboard for creating a custom design. If you don’t agree with the designer’s approach, speak up! Once you feel comfortable and everyone agrees on the design plan, move ahead. With your approval, an interior designer will put the wheels in motion to transform your room or home, while working within a budget and on a set schedule. WHAT TO EXPECT FROM AN INTERIOR DESIGNER Whether you consult with a designer by the hour or the day, for a room or the entire house – this professional’s expertise is worth its weight in gold and should include: • An in-home consultation and walk-through of the project room • The ability to make the right product selections for your project • Creative ideas and solutions for your project • Coordination of color and design scheme by showing you fabric and paint samples, and suggesting window treatments and surface solutions such as flooring and countertops • Suggestions on how to improve a room’s function by applying design principles of color, texture, balance, lighting, etc. • The attitude that your home should reflect the style and personalities of the family living there
Your Home
SUMMIT (ECHO CANYON) TRAIL CAMELBACK MOUNTAIN McDonald Drive east of Tatum Blvd. in the Echo Canyon Recreation Area | Paradise Valley This is the more popular of the two trails on Camelback. A rigorous climb of 1264’ will bring you to the mountain’s 2704’ summit. Spectacular views of the entire Valley and the potential for some of the best sunsets you’ll ever see make this hike one of the most popular in Phoenix. Difficulty: moderate to difficult
CHOLLA TRAIL CAMELBACK MOUNTAIN McDonald Drive east of Tatum Blvd. in the Echo Canyon Recreation Area | Paradise Valley Another less populated trail, the Cholla trail is also slightly easier. Although it’s a longer way up, you’ll encounter open views along the trail and probably less hikers. While the Summit Trail runs up the western side of the mountain, the Cholla Trail scales the gentler eastern ridge. If you’re a Camelback Mountain veteran, try a different way up for a change. Difficulty: moderate to difficult PINNACLE PEAK TRAIL 102nd Way & Alma School Scottsdale One of the newest trails in the Valley, this hike proves to be enjoyable all around. The trail begins at the eastern foot of Pinnacle Peak and switchbacks its way up the side of the hill. It’s not a loop trail, but rather an out-and-back. The trail runs 1.75 miles one-way and reaches its highest level at 2889’. It’s a
climb of 320’ or so. Beautiful Scottsdale vistas await, and the giant boulders and plentiful desert plant life make this a hike to bring out-of-town visitors to. Difficulty: easy NATIONAL TRAIL SOUTH MOUNTAIN PARK Baseline Road west of 48th Street Phoenix South Mountain Park is made up of three mountain ranges and expands over 16,000 acres! There is a large network of trails within the park to choose from. One of the more popular trails, the National Trail, runs 14.8 miles in length and ends at the westernmost tip of the park. This trail has some rocky and steep sections but is overall more for endurance hikers than for vertical hikers. Difficulty: moderate to difficult
CAVE CREEK TRAIL Seven Springs Recreation Area Cave Creek There are many trails that make up the area, so be sure to refer to the wooden map sign at the trailhead before you start. A particularly nice loop to take is 8.9 miles in length and is the epitome of gorgeous desert hiking. From the Cave Creek Trailhead (Tr. #4), you’ll hike about 4 miles and meet up with the Skunk Creek Trail (Tr. #246). Take that trail until it loops back to Tr. #4 again and back to the trailhead. Expect to see the gurgling creek, a rare crested saguaro, and plenty of wildlife. Difficulty: moderate
CHILEAN SEA BASS WITH TRUFFLE MISO GLAZE Ingredients 6 oz. Chilean sea bass filet 1 Tbs. olive oil 1 Tbs. chopped shallots 1/4 cup white cooking wine 1/4 cup truffle miso glaze sauce mix (see recipe) 1 Tbs. olive oil (for grilling sea bass) 1 cup spinach (sautéed with garlic, salt and pepper) 1 cup crispy onions 1 sprig chervil 1 Tbs. diced tomato garnish
Local Flavor!
Agave on the Rocks Desert Botanical Garden, March 30th 480.481.8188 | DBG.org Celebrate the essence of the margarita and the spirit of the Southwest at the 10th Annual Agave on the Rocks. Savor an evening of gourmet eats prepared by the Valley’s best restaurants and caterers and samba under the stars to vibrant Latin rhythms, including performances by DJ Miguel Ivery, Fuerza Caribe and Grupo Liberdade.
Lace Up Your Boots!
Featuring Sushi Roku 480.970.2121 | SushiRoku.com
Procedure Grill sea bass, turning to make grill marks. Finish in oven. In a small saucepan sauté shallots with olive oil, then add white wine to deglaze. Add truffle miso glaze
sauce mix and bring to a light simmer. Place sautéed spinach on center of plate and place sea bass filet on top of spinach. Drizzle sauce around and on top of fish. Garnish with crispy onions, diced tomatoes and chervil. Miso Glaze Sauce 1 tsp. wasabi paste 1 cup Japanese miso dressing 1 Tbs. white truffle oil 1/8 tsp. ground black pepper Mix all ingredients and chill until ready to use.
Greetings! My name is Dan Ward with The Ray Group and Prudential Arizona Properties. My wife Brittani and daughter Adeline Rose live in The Haciendas at DC Ranch. I love where we live and I want all of my clients to feel the same way! Professionally, my team has an extensive background in marketing luxury properties in North Scottsdale and we are bringing our services to you. We’ve brokered
DAN WARD REALTOR, Fine Homes Specialist
Cell: 602.391.3661 Dan.Ward@PruAZ.com
onsite sales for Troon North and Whisper Rock, and have sold more residential real estate in North Scottsdale than any other real estate team. Recently, we’ve partnered with Pine Canyon in Flagstaff and we are currently directing the sales and marketing efforts for their new ownership group. Our local market knowledge, our realtor network, our Fine Homes International marketing plan, and our exclusive Buyer Partnership with Four Seasons Troon North make us the perfect choice for your real estate needs.
#1 Prudential Team in Arizona 2000 – 2010 #39 Prudential Team in North America - 2010
www.TheRayGroup.net