Arizona Homeowner Presented By Mike Tompkins

lace up!These Boots Are Made For Walking

fall in love with cheeseThe Melting Pot’sTriple Cheese Fondue

Arizona HomeownerNovember | December 2013

Gather Round!

Home for the Holidays

Brady HollandBranch Manager

MLO-180079

Direct: 480.272.3282Email: [email protected]

Brady HollandMortgage Banker

MLO-180079

NMLS 81395 AZ BK#910890

Produced by Desert Lifestyle Publishing • 480.460.0996 • www.DesertLifestyle.net

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!

MORTGAGE RATES As of 10/18/13

Loan Rates for $150K-$417K:• 30-Year Fixed: 4.25%/4.457% APR• 15-Year Fixed: 3.25%/3.606% APR

• 7/1 ARM: 3.375%/3.302% 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 quoted are subject to change without notice.

Pinnacle Capital Mortgage Corporation8145 E. Evans Road, Suite 5Scottsdale, AZ 85260

This is not a commitment to lend. Subject to qualification. Not all applicants will qualify.

Are You Feeling Wealthier This Year?It’s hard to believe that we are nearing the end of another year. What a nice ride it has been in 2013 for our real estate market. Most Valley areas have experienced 20% or greater home appreciation this year. It’s amazing to think that just a few short years ago our area home values were plummeting by the month, as the Valley was busy setting new foreclosure records. We’ve definitely flipped the switch the other way with two consecutive years of very solid home value growth. Since most people use their home’s value as an important measure of family wealth, most of us should be all smiles. Further, early indicators are showing that 2014 should be another positive year for real estate.

GIFT YOURSELF THIS HOLIDAY SEASON BY SAVING $ THE SMART WAY! Here’s How:• Ifyouarereadingthisarticle,thanyoumaybewonderinghowmuchyourhomeis worth. I am happy to say that we offer a free automated home valuation. All you havetodoisemailmearequestand I’llbehappytorunareportandsend youthegoodnewsonyourhome’scurrent value. • Manyofyouwererequiredtohavemortgageinsurancebecauseyouhadlessthan20%equitywhenyoutookoutyour last mortgage. That’s probably costing you anywhere between $100-$450permonth.Youdon’thavetopaymortgage insurance forever. Contact me

tofindouthow to get rid of your mortgage insurance and save yourself thousands of dollars a year!• Timetoupdateyourhome?Withhomevaluesaccelerating,manypeoplenowwant to finance home improvements to increasetheirenjoymentandmaximizetheirresalevalue.Contactmetodaytofindouthow!• Doyourcreditcardbalancesseemtonevergoaway?Contactmetofindout about a disciplined approach to use the low rates and tax deductibility of mortgage interest as a tool to pay off your credit card debtinrecordtime.

www.BradyHollandGroup.com

Your Backyard

Event CalendarNovember | December 2013

The West Select | A New Western ClassicPhoenix Art Museum | November 10-December 31602.257.1222 | TheWestSelect.comThe West Select is a Western invitational art sale and exhibition. Featuring paintings, drawings, sculptures, and photographs, the works in the exhibition reveal iconic landscapes, wildlife, and depictions of the modern or “New West”. Proceeds benefit the Men’s Arts Council of Phoenix Art Museum, a non-profit organization that supports the programs and activities of Phoenix Art Museum through unique events.

Ocean Prime 5th Year Anniversary WeekOcean Prime | November 11-17480.347.1313 | OceanPrimePhoenix.comOcean Prime Celebrates its 5th anniversary by offering guests a special five-course menu in addition to the regular dinner menu. Designed by executive chef Jagger Griffen, the anniversary menu features several of Ocean Prime’s most popular dishes and includes a glass of Prosecco with dessert.

White ChristmasPhoenix Theatre | November 20-December 24602.254.2151 | PhoenixTheatre.comCelebrate the holidays with this true Irving Berlin classic! White Christmas is a great musical theatre story of the two World War II veterans with a successful song-and-dance act. With love on their minds, they meet up with a duo of beautiful singing and dancing sisters en route to their Christmas show at a Vermont lodge, which happens to be owned by their former army commander.

The NutcrackerSymphony Hall | December 6-24602.381.1096 | BalletAZ.orgA holiday celebration to share! Dancing toys, mischievous mice, waltzing flowers and sparkling snowflakes dance to Tchaikovsky’s sumptuous score performed by The Phoenix Symphony. This holiday classic tells the story of Clara and her magical Nutcracker Prince as they embark on a thrilling adventure. Each year Ballet Arizona rings in the season with Ib Andersen’s The Nutcracker, creating memories to cherish forever.

A Holiday Jazz Celebration with Marty AshbyMusical Instrument Museum | December 21480.478.6000 | TheMIM.orgMarty Ashby will present a Holiday Jazz Celebration, this time with a full seventeen-piece big band! The evening will feature new arrangements of some holiday favorites as well as a few special twists and surprises. This year’s featured guest is trumpet master Sean Jones, one of the hottest musicians on the jazz scene today.

The Melting Pot480.607.1799 | MeltingPot.com

Cooler weather makes for perfect hiking conditions in Arizona. So now that there’s a chill in the air, hit the trails for some amazing scenery, a little adventure, and endless photo-ops. But with hundreds of hiking trails, where do you begin? Lucky for us, our area offers options for day trippers looking for a short nature walk to experienced hikers looking to test their limits. Be sure to pick up a guide book at a local book store for all the details on these and many other great hikes in our area. If you’re looking for a trail close to Phoenix, start with Camelback Mountain, one of the country’s best urban hikes. With trails for almost every level hiker, Camelback provides breathtaking views of the city and its surroundings. Put this one on your to-do list! Other great urban hikes include Piestewa (Squaw) Peak and South Mountain Park. Looking to get out of the city? Northern Arizona offers a myriad of exciting and breathtakingly beautiful hiking spots. No trip north would be complete without a trek up Humphrey’s Peak, the highest elevation in Arizona. Just north of Flagstaff, the hike up Humphrey’s is no joke at about 4.5 miles one way (leave about 3 hours for just one way). On a clear day, hikers can see the Grand Canyon in the distance. For a variety of trail levels in an unmatched lakeside setting, head to Prescott National Forest where hikers are rewarded with pristine views and cool mountain air at every turn. And for those looking for an easy hike, the West Fork Oak Creek Trail never disappoints. High canyon walls, shallow creek beds, and level trails make this the perfect hike for families. Don’t forget the camera... you will regret it! Heading east, you’ll find the White Mountains, with more than 180 miles of developed trails. Lushly forested, this trail system offers connected trails that are from 8 to 16 miles in length. Some are remote and not frequently traveled, so head here if you’re an experienced hiker looking to reconnect with nature. Hikers heading south will want to check out Coronado National Forest, a perfect spot to explore the desert lowlands during the mild Arizona winters. Just remember, before you start out on your journey, make sure you’ve packed appropriately. A light pack filled with plenty of water, topographical maps to help navigate varying elevations, sun block, and your cell phone should all be brought along. Also, bring layers for the cool mountain air as you ascend. And finally, be on the lookout for rattlesnakes, scorpions, coyotes, bobcats, mountain lions, and other wildlife. Don’t disturb any animal you may encounter on the path. Happy trails!

Wisconsin Triple Cheese FondueIngredients:

1 1/2 c shredded Butterkase cheese

1 1/2 c shredded Fontina cheese

3 tbsp all-purpose flour

3/4 c white wine

1/4 c dry sherry

2 tsp chopped shallots

1 tsp freshly ground pepper

1/4 c crumbled blue cheese

2 tbsp chopped scallions

Instructions:

Toss the Butterkase and Fontina cheeses with the flour in a bowl. Place a metal bowl over a saucepan filled with two inches of water. You may also use a conventional double boiler. Bring the water to a boil over high heat. Reduce the heat to medium and pour the wine and sherry into the bowl. Stir in the shallots using a fork. Cook for 30 seconds stirring constantly.

Add half of the cheese blend, and stir constantly until the cheese is melted. Add the remaining cheese blending a small amount at a time and stirring constantly. Fold in the pepper and blue cheese. Pour into a warm fondue pot and keep warm over low heat. Garnish with the scallions.

Hosting your entire clan for Thanksgiving dinner this year? Gulp! It’s quite an undertaking...especially if you’ve got a big family. In addition to all the gourmet fixings you have to purchase and prepare, you need to be sure you have the necessary space and accoutrements to pull off a successful fete. Don’t sweat it – we will help you pull off a party in style! Since dining is the main event on turkey day, first be sure to check that you have plenty of seating at the dining room table. If need be, bring in chairs from other rooms in your home (if there’s still not enough seating, it might be time to visit your favorite furniture shop to give your dining room an upgrade). While you’re at it, rethink your dining and great rooms’ curtains, area rugs, and decorative items so that they speak to the fall season and envelop your guests in warmth and comfort. Creating that fall feeling can be as simple as swapping out some light summer colors with rich, earthy autumn hues

and adding some shimmering candles and harvest-inspired accessories.Next, try giving your Thanksgiving feast a dress rehearsal, complete with everything but the actual food. Set up the chairs to make sure people can easily get in and out of their seats, put out the linen tablecloths and napkins to ensure they are wrinkle free, arrange an autumn centerpiece to get the height just right, and set out wine glasses and water goblets to check for spots. Consider setting a separate kids’ table

in the same room that can be decorated with a festive children’s Thanksgiving theme. And don’t forget special touches such as name place markers, fancy folded napkins, and polished flatware to really set the stage. Quick tip: Designate a serving bowl, platter, and serving utensils to each dish on your menu to ensure everything has a place come mealtime. Prepping ahead can really save your sanity. Some hosts even like to put a note inside each bowl or basket identifying exactly which dish is supposed to go where so there’s no last-minute confusion. You’ll also want to make sure there’s plenty of seating in the great room during cocktail hour before and after your meal. Check for ample comfortable seating and plenty of cocktail table space for drinks and snacks. It’s always nice to have a spot to put a drink near every seat, so try to look around and make sure your guests can do just that. Occasional chairs are perfect for big events like Thanksgiving, Hanukah or Christmas and can be the perfect piece to place in corners and empty spots in your rooms, ready to be pulled out when needed. Worried that you still won’t have enough space for the in-laws and the rest of the family? It may be time to speak with a real estate professional about looking for a bigger, better home for entertaining. Who knows? By this time next year, you could be hosting the holidays in your new dream home!

Your Backyard

Event CalendarNovember | December 2013

The West Select | A New Western ClassicPhoenix Art Museum | November 10-December 31602.257.1222 | TheWestSelect.comThe West Select is a Western invitational art sale and exhibition. Featuring paintings, drawings, sculptures, and photographs, the works in the exhibition reveal iconic landscapes, wildlife, and depictions of the modern or “New West”. Proceeds benefit the Men’s Arts Council of Phoenix Art Museum, a non-profit organization that supports the programs and activities of Phoenix Art Museum through unique events.

Ocean Prime 5th Year Anniversary WeekOcean Prime | November 11-17480.347.1313 | OceanPrimePhoenix.comOcean Prime Celebrates its 5th anniversary by offering guests a special five-course menu in addition to the regular dinner menu. Designed by executive chef Jagger Griffen, the anniversary menu features several of Ocean Prime’s most popular dishes and includes a glass of Prosecco with dessert.

White ChristmasPhoenix Theatre | November 20-December 24602.254.2151 | PhoenixTheatre.comCelebrate the holidays with this true Irving Berlin classic! White Christmas is a great musical theatre story of the two World War II veterans with a successful song-and-dance act. With love on their minds, they meet up with a duo of beautiful singing and dancing sisters en route to their Christmas show at a Vermont lodge, which happens to be owned by their former army commander.

The NutcrackerSymphony Hall | December 6-24602.381.1096 | BalletAZ.orgA holiday celebration to share! Dancing toys, mischievous mice, waltzing flowers and sparkling snowflakes dance to Tchaikovsky’s sumptuous score performed by The Phoenix Symphony. This holiday classic tells the story of Clara and her magical Nutcracker Prince as they embark on a thrilling adventure. Each year Ballet Arizona rings in the season with Ib Andersen’s The Nutcracker, creating memories to cherish forever.

A Holiday Jazz Celebration with Marty AshbyMusical Instrument Museum | December 21480.478.6000 | TheMIM.orgMarty Ashby will present a Holiday Jazz Celebration, this time with a full seventeen-piece big band! The evening will feature new arrangements of some holiday favorites as well as a few special twists and surprises. This year’s featured guest is trumpet master Sean Jones, one of the hottest musicians on the jazz scene today.

The Melting Pot480.607.1799 | MeltingPot.com

Cooler weather makes for perfect hiking conditions in Arizona. So now that there’s a chill in the air, hit the trails for some amazing scenery, a little adventure, and endless photo-ops. But with hundreds of hiking trails, where do you begin? Lucky for us, our area offers options for day trippers looking for a short nature walk to experienced hikers looking to test their limits. Be sure to pick up a guide book at a local book store for all the details on these and many other great hikes in our area. If you’re looking for a trail close to Phoenix, start with Camelback Mountain, one of the country’s best urban hikes. With trails for almost every level hiker, Camelback provides breathtaking views of the city and its surroundings. Put this one on your to-do list! Other great urban hikes include Piestewa (Squaw) Peak and South Mountain Park. Looking to get out of the city? Northern Arizona offers a myriad of exciting and breathtakingly beautiful hiking spots. No trip north would be complete without a trek up Humphrey’s Peak, the highest elevation in Arizona. Just north of Flagstaff, the hike up Humphrey’s is no joke at about 4.5 miles one way (leave about 3 hours for just one way). On a clear day, hikers can see the Grand Canyon in the distance. For a variety of trail levels in an unmatched lakeside setting, head to Prescott National Forest where hikers are rewarded with pristine views and cool mountain air at every turn. And for those looking for an easy hike, the West Fork Oak Creek Trail never disappoints. High canyon walls, shallow creek beds, and level trails make this the perfect hike for families. Don’t forget the camera... you will regret it! Heading east, you’ll find the White Mountains, with more than 180 miles of developed trails. Lushly forested, this trail system offers connected trails that are from 8 to 16 miles in length. Some are remote and not frequently traveled, so head here if you’re an experienced hiker looking to reconnect with nature. Hikers heading south will want to check out Coronado National Forest, a perfect spot to explore the desert lowlands during the mild Arizona winters. Just remember, before you start out on your journey, make sure you’ve packed appropriately. A light pack filled with plenty of water, topographical maps to help navigate varying elevations, sun block, and your cell phone should all be brought along. Also, bring layers for the cool mountain air as you ascend. And finally, be on the lookout for rattlesnakes, scorpions, coyotes, bobcats, mountain lions, and other wildlife. Don’t disturb any animal you may encounter on the path. Happy trails!

Wisconsin Triple Cheese FondueIngredients:

1 1/2 c shredded Butterkase cheese

1 1/2 c shredded Fontina cheese

3 tbsp all-purpose flour

3/4 c white wine

1/4 c dry sherry

2 tsp chopped shallots

1 tsp freshly ground pepper

1/4 c crumbled blue cheese

2 tbsp chopped scallions

Instructions:

Toss the Butterkase and Fontina cheeses with the flour in a bowl. Place a metal bowl over a saucepan filled with two inches of water. You may also use a conventional double boiler. Bring the water to a boil over high heat. Reduce the heat to medium and pour the wine and sherry into the bowl. Stir in the shallots using a fork. Cook for 30 seconds stirring constantly.

Add half of the cheese blend, and stir constantly until the cheese is melted. Add the remaining cheese blending a small amount at a time and stirring constantly. Fold in the pepper and blue cheese. Pour into a warm fondue pot and keep warm over low heat. Garnish with the scallions.

Hosting your entire clan for Thanksgiving dinner this year? Gulp! It’s quite an undertaking...especially if you’ve got a big family. In addition to all the gourmet fixings you have to purchase and prepare, you need to be sure you have the necessary space and accoutrements to pull off a successful fete. Don’t sweat it – we will help you pull off a party in style! Since dining is the main event on turkey day, first be sure to check that you have plenty of seating at the dining room table. If need be, bring in chairs from other rooms in your home (if there’s still not enough seating, it might be time to visit your favorite furniture shop to give your dining room an upgrade). While you’re at it, rethink your dining and great rooms’ curtains, area rugs, and decorative items so that they speak to the fall season and envelop your guests in warmth and comfort. Creating that fall feeling can be as simple as swapping out some light summer colors with rich, earthy autumn hues

and adding some shimmering candles and harvest-inspired accessories.Next, try giving your Thanksgiving feast a dress rehearsal, complete with everything but the actual food. Set up the chairs to make sure people can easily get in and out of their seats, put out the linen tablecloths and napkins to ensure they are wrinkle free, arrange an autumn centerpiece to get the height just right, and set out wine glasses and water goblets to check for spots. Consider setting a separate kids’ table

in the same room that can be decorated with a festive children’s Thanksgiving theme. And don’t forget special touches such as name place markers, fancy folded napkins, and polished flatware to really set the stage. Quick tip: Designate a serving bowl, platter, and serving utensils to each dish on your menu to ensure everything has a place come mealtime. Prepping ahead can really save your sanity. Some hosts even like to put a note inside each bowl or basket identifying exactly which dish is supposed to go where so there’s no last-minute confusion. You’ll also want to make sure there’s plenty of seating in the great room during cocktail hour before and after your meal. Check for ample comfortable seating and plenty of cocktail table space for drinks and snacks. It’s always nice to have a spot to put a drink near every seat, so try to look around and make sure your guests can do just that. Occasional chairs are perfect for big events like Thanksgiving, Hanukah or Christmas and can be the perfect piece to place in corners and empty spots in your rooms, ready to be pulled out when needed. Worried that you still won’t have enough space for the in-laws and the rest of the family? It may be time to speak with a real estate professional about looking for a bigger, better home for entertaining. Who knows? By this time next year, you could be hosting the holidays in your new dream home!

Produced by Desert Lifestyle Publishing • 480.460.0996 • www.DesertLifestyle.net

WJ BRADLEY MORTGAGE CAPITAL

Mike TompkinsMortgage Lender

NMLS #217645

9237 E. Via De Ventura #100 Scottsdale, AZ 85258

480.421.1151 Direct [email protected]

www.WJBOnline.com

Philosophy “One Team, One Philosophy.” Being Available. The concept

sounds simple but for years realtors, buyers, homebuilders

and developers have struggled with their lender’s service

and availability. Until now! Imagine conducting a mortgage

transaction where you were always able to get someone on

the phone; someone that was able to update you on your

transaction, answer all of your questions and close your

transaction in a smooth and timely manner. Imagine having

a team that supported your business, made themselves

available after hours and supported you in your marketing

efforts. Imagine working with a team of mortgage bankers

that offer fast turn-times, a wide variety of loan products and

held customer service to the highest of standards.

The Elite Team puts years of experience to work for you. Fast, efficient and on-time closings are just some of

the benefits of working with the Elite Team at WJ Bradley

Mortgage. Whether you’re a first time homebuyer, buying

a second home or a seasoned investor, our variety of loan

options are designed to suit your needs. While other banks

are saying “no”, the Elite Team at WJ Bradley Mortgage says

“yes”. Contact Mike Tompkins with the Elite Team at

WJ Bradley Mortgage today.(c) 2011 W.J. Bradley Mortgage Capital Corp., 201 Columbine Street Suite 300, Denver, CO 80206. Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the prop-erty of W.J. Bradley Mortgage Capital Corp. This is not a commitment to lend. Restric-tions apply. All rights reserved. Some products may not be available in all states. WJB is not acting on behalf of or at the direction of HUD/FHA or the federal government. AZ License # BK-0903998. NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3233.

Arizona Homeowner Presented By Mike Tompkins

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