your homeInspirations for Getting Organized

comfort food with a contemporary twistCafé ZuZu’s Short Ribs

October | 2010

A Guide to Viewing Fall Foliage

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

Gena has built her business one relationship at a time and loves working with her borrowers and Realtors. She has over a decade of experience in the financial industry as well as an undergraduate degree in Communications and an MBA in Business Management and Marketing. This strong background of education and experience makes Gena a well-rounded candidate to serve the First-Time Homebuyer, a family growing their portfolio for the future or the avid investor.

Arizona HomeownerGena Schaublin

Sr. Mortgage ProfessionalNMLS #181884

Arizona Real Estate Opportunities ARIZONA IS ON SALE. ALMOST UNHEARD OF VALUES

EQUATE TO ONCE-IN-A-GENERATION PRICING!!

Considering a second home? I have 10% down financing!

Investment or rental property? Buy with just 20% down.

With interest rates at historic lows, home prices at huge discounts

and a fantastic selection of home inventory – now’s the time to buy!

GET PRE-APPROVED TODAY:www.HomeownersFG.com/GenaSchaublin

Direct: 602.317.7610Gena@HomeownersFG.com

Homeowners Financial GroupBK #0906222

16427 N. Scottsdale Rd. #280 • Scottsdale, AZ 85254

Superior Jumbo Financing!• Loan amounts up to $2,000,000• 720 minimum credit score• Reserves required; varies by loan-to-value• Primary Purchase and Rate/Term Refi• No subordinate financing allowed• Loan-to-value up to 80% up to $1,500,000• Loan-to-value up to 75% between $1,500,000 and $2,000,000

October FHA Streamline PromotionLOCK AN FHA STREAMLINE RATE/TERM REFINANCE IN OCTOBER AND ONLY PAY A FLAT FEE OF $750*!

Processing Fee $620Underwriting Fee $550Doc Prep Fee $295MERS Fee $6.95Flood Cert Fee $16TOTAL $1,487.95 $750* INSTEAD!

*Does NOT include credit report and title fees.Rates, fees and loan programs subject to change without notice.

• Up to $417,000 loan amount• Up to 95% primary residence with 680+ FICO scores, purchase and Rate/Term Refi only (SFR, PUD and Condo)• Up to 90% second home purchase and Rate/Term with 720+ FICO score• Up to 85% cash-out refinance on primary residence only with 700+ FICO score

5% Down Conventional Financing!

• No appraisal needed!

• Verbal verification of employment & income

• Borrower must make October’s payment

• Promotion designed for FHA homeowners current on mortgage and want to rate/term refinance

Event CalendarOctober 2010

Pumpkin and Chili PartySchnepf Farms, Thursdays – Sundays in October480.987.3100 | SchnepfFarms.comAhh – fall is finally here! Make the annual trek to this celebration- of-the-season part of your family’s tradition. Autumn-themed games and entertainment include hay rides, the 10-acre celebrity corn maze, live music, carnival rides, pony rides and of course, picking out that perfect pumpkin. Bring your appetite for tons of delectable seasonal treats.

Prokofiev’s Romeo and JulietSymphony Hall, October 7th – 9th602.495.1117 | PhoenixSymphony.orgMarvel as The Phoenix Symphony magically brings two masterpieces to life during the Rediscovered Masters series featuring Romeo and Juliet and Hans Krasa’s Brundibar. Complementing the symphony during this series is The Phoenix Symphony’s Chorus as well as The Phoenix Boys Choir. Illustrator Maurice Sendak’s enchanting images from his most recently published children’s book will also accompany the performance.

Jerry SeinfieldDodge Theatre, October 9th602.379.2800 | LiveNation.comYou still laugh along every night on syndicated TV, now don’t miss a rare opportunity to see this comical genius perform live during his North American tour. Seinfield has made his mark in pop-culture history with his unique and distinguishable brand of humor. Come see what’s new in “Jerry’s world.”

Susan G. Komen Race for the CureState Capital District, October 10th602.544.2873 | KomenPhoenix.orgJoin in the fight against breast cancer with the largest 5K event in Arizona. As a runner/walker, you’ll be part of a vast group of those in support of finding a cure for this disease. You may sign up to run in memoriam of a lost loved one, or in celebration of a brave survivor. Before and after the race, enjoy the multitude of booths and exhibits that will have information, freebies and goodies.

Disney’s Beauty and the BeastASU Gammage, October 19th – 24th480.965.5062 | ASUGammage.comThis Academy-Award winning Disney hit is brought to life on stage in a captivating and delightful presentation. One of life’s best lessons is learned in the tale of a girl who dares to look past a man’s beastly exterior and love the true prince inside. Dazzle at the exquisite sets and costumes, and sing along to all your favorite musical numbers such as Be Our Guest and the self-titled number Beauty and the Beast.

The 9th Annual First Press Weekend of WineThe Musical Instrument Museum, October 29th480.774.8466 | FirstPressArizona.comSip, mix and mingle at the spirited Grand Tasting featuring more than 100 celebrated wines. Watch local chefs enter culinary battle to claim the championship plate at the 4th annual Food Fight. Delight in mouth-watering culinary treats all while taking in the inspiring visuals of the Musical Instrument Museum. The MIM houses a collection of over 10,000 instruments from around the world, nearly 300 multisensory exhibits and a 299-seat MIM Music Theater.

Featuring Café ZuZu480.421.7997 | HotelValleyHo.com

Loc

al F

lavo

r!

BRAISED BEEF SHORTRIBSIngredients:6 oz. olive oil24 large, meaty beef short ribs, cut in half6 small onions, peeled and chopped6 carrots, peeled and chopped6 celery stalks, chopped

18 garlic cloves30 fresh thyme sprigs1 3/4 gal. brown veal stock4 Italian parsley bunches1 fresh bay leaf

Your Home

With the dog days of summer behind us, now is the perfect time to tackle those jobs you’ve been putting off for months. Ahem, for example, have you looked in your closets lately? Here are some tips on organizing all those messy places, from harrowing hallway and linen closets to packed kitchen pantries and overstuffed garages.

De-clutter those closets. First, it’s important to determine the purpose of the closet in question and eliminate any objects that don’t fall into that category. For example, a front hall closet should contain coats, hats, shoes, backpacks, umbrellas, and other “out-the-door” objects but not, say, toys, shopping bags, or other things that could spill out or don’t serve a purpose in that specific spot. Now it’s time to empty the closet and clean the floors and shelves. (The cleaner it is, the more likely you’ll be to keep it tidy!) Next, decide what items (if any) to toss and which to donate. Organize the remaining items into categories. For example, if you’re organizing your linen closet, sort out towels by color and size, then sort out sheets by which room or bed they belong. Sort through other items to determine if they should be in the closet or not. Before putting items back, mark the shelves with labels such as “guest towels” or “twin sheets” so you’ll be more likely to keep the closet organized when returning items from the laundry. Purchasing coordinating baskets or boxes of similar shapes and sizes to store smaller items will help to keep things tidy. Finally, consider if the closet needs some fine tuning: Do you need more shelving? Hooks to hang hard-to-find items? Would better lighting in the closet make you more inclined to keep things neat?

Get the garage in tip-top shape. Garages are notorious for messes and chaos. From dirt and bugs to tools and lawn toys, this space can be, well, scary. Try taming the beast with these ideas: After sweeping and debugging the place, do a thorough sorting out (think three piles: trash, donate, and keep). Now, sort the keeps into categories: camping gear, kids’ toys, automotive care, tools, gardening, etc. Hang as much as you can (bikes and shovels and rakes) and find places for bigger items such as kid’s ride-on toys. Now, try to stash as much as you can into bins that can be marked clearly and stacked one on top of another on shelves for easy storage. Rotate what bins are most accessible by the season (keep pool supplies closest spring through summer and holiday decorations closer to the top in winter).

Plan the perfect pantry. Whether you have a walk-in pantry or cabinets for your dry goods, an organized pantry makes shopping and cooking much easier. After discarding any old or nobody’s-ever-going-to-eat-this items, categorize your ingredients and place them accordingly in the pantry or in closets near to where they’ll be used. Keep pantry staples (oils, pasta, canned tomatoes and beans, etc.) at eye-level, lesser-used items lower or higher up. Think like with like. Group pastas and rices and grains together, canned and bottled soups and condiments on another shelf. Bulk items should be placed on highest shelves and reached with a step stool when needed. Gather teas together in baskets and place with tea accoutrements. Same goes for spices. Now, when it’s time for grocery shopping, you’ll be able to do a quick check on what you’re out of without having to do a lot of rummaging through shelves and drawers. Wouldn’t Martha Stewart be proud!

TACKLING HOME ORGANIZATION TASKS

Procedure:1. Heat oven to 350 degrees. Heat the oil in a large pan over medium-high heat until it shimmers. Salt and pepper the ribs and cook them, in batches, until they are nicely browned on all sides, about 20 minutes.2. Remove the ribs and add the onion, carrot, celery, garlic, sprigs of thyme, salt and pepper to the skillet. Continue cooking until the vegetables are tender and browned, about 10 minutes more.3. Transfer the vegetables to roasting pans and evenly distribute the Italian parsley over the top. Add the short ribs and enough stock to come up the sides but not over the ribs. Bring the braising liquid to a simmer. Add the remaining thyme and bay leaf then transfer to the oven and cook at a very gentle simmer (just an occasional bubble) for 1 hour. Turn the ribs and continue cooking until the meat is tender and comes easily away from the bone, about 1 1/2 hours more.4. Transfer the ribs to a sheet pan with parchment. Strain the braising liquid, bring to a simmer and skim off the fat. Reduce the liquid slightly (just so it has a little body), then return the ribs to the braising liquid. 5. Simmer just long enough to reheat the ribs, and then serve.Yields: 24

PHOTOGRAPHING NATURE’S GRANDEUR THIS FALL? TRY THESE TIPS TO GET THE PERFECT PICS.

Shoot in the early morning or early evening. The bright light of midday can make photos look harsh. Even better: Plan to shoot the half hour before and after sunrise and sunset. You’ll have richer colors and deeper shadows to add interest to your photos.

Get close. Zoom in on leaves to showcase extraordinary details.

Go for contrast. Look for colors set against evergreens for photos that really pop.

Hope for a storm. Shooting during or right after a storm can result in dramatic images. Wet leaves and wet surrounding surfaces tend to be more vibrant and intense.

Compose, compose, compose. Try to set up your shot with something in the foreground, middle ground and background. Move around as you compose. Sometimes a few steps can make the difference between so-so and spectacular.

Arizona may not pop into most people’s minds when they hear the words “fall foliage,” but our state is home to some of the most surprising and spectacular autumnal shows of color. Autumn in Arizona can truly be jaw-dropping—if you know where to look for the latest leaves. It’s time to lace up your boots, grab a light jacket, and head to the high country. First stop on your fall checklist are the area’s finest arboretums. The Arboretum at Flagstaff is a must for fall leaf-peepers. This 200-acre botanical garden is the place to see plenty of fall colors. It closes for the season on October 31st so be sure to visit before then. Those looking for late-season color should try the Boyce Thompson Arboretum, outside of Superior, about an hour’s drive east of Phoenix. In mid-November, the arboretum’s famous grove of Chinese pistachio trees begins to turn shades of gold, orange, and red, peaking around Thanksgiving weekend. The annual Fall Foliage Finale Festival, November 27th and 28th, offers live music and events daily (check http://cals.arizona.edu/bta/ for updated information). Color continues at the Arboretum through December. Take that, Vermont! Our state’s National Forests provide the perfect backdrop for a fall flash of color. In the Coconino National Forest, look for golden aspens, amber oaks, and scarlet maples on the mountains, meadows, and canyons. Fall colors can begin as early as mid-September and last through mid-November, with the best showing around the second week of October. Some foliage hot spots in mid-October are the San Francisco Peaks north of Flagstaff for golden aspen leaf color and the West Fork of Oak Creek Canyon north of Sedona. Flagstaff’s Snowbowl Ski Resort offers a breathtaking Skyride where you’ll ascend to over 13,000

feet in elevation with a plethora of colorful leaves as your serene scenery. Visit ArizonaSnowbowl.com for details. The Apache and Sitgreaves National Forests offer two million acres (that’s right, we said million!) of mountain country in east-central Arizona. Leaf colors fade in this area by the end of October, so get there early. And if you’re able to head a bit farther north, Kaibab National Forest offers ample leaf-viewing opportunities, as well. If you’re out viewing the weekend of Halloween, your best bet might be the central and southern Arizona mountain ranges (the Pinals near Globe and the Catalinas near Tucson) for maples turning gorgeous hues of red. Yavapai County in central Arizona is home to the Verde Canyon Railroad which offers their Fall Colors Tour October through November. Ride the rails in style while catching sight of the rich ambers, golds and copper hues blanketing the scenic Verde Canyon. Fall is also a time when the local wildlife is more active and visible to train passengers as well. Log onto VerdeCanyonRR.com to learn more. Of course, no reference of Arizona and fall foliage would be complete without mentioning the Grand Canyon. Autumn is the perfect time to visit the North Rim. Expect splendid color from the aspen, oak, and birch trees, with the glory of the revered Grand Canyon as your backdrop. Plan your trip well and remember the North Rim is about a seven-and-a-half-hour drive from Phoenix. For updated fall color reports, call the US Forest Service’s hotline at 800.354.4595. Don’t forget the camera and be careful driving among all the other leaf “lookie loos” on the mountain roads!

Event CalendarOctober 2010

Pumpkin and Chili PartySchnepf Farms, Thursdays – Sundays in October480.987.3100 | SchnepfFarms.comAhh – fall is finally here! Make the annual trek to this celebration- of-the-season part of your family’s tradition. Autumn-themed games and entertainment include hay rides, the 10-acre celebrity corn maze, live music, carnival rides, pony rides and of course, picking out that perfect pumpkin. Bring your appetite for tons of delectable seasonal treats.

Prokofiev’s Romeo and JulietSymphony Hall, October 7th – 9th602.495.1117 | PhoenixSymphony.orgMarvel as The Phoenix Symphony magically brings two masterpieces to life during the Rediscovered Masters series featuring Romeo and Juliet and Hans Krasa’s Brundibar. Complementing the symphony during this series is The Phoenix Symphony’s Chorus as well as The Phoenix Boys Choir. Illustrator Maurice Sendak’s enchanting images from his most recently published children’s book will also accompany the performance.

Jerry SeinfieldDodge Theatre, October 9th602.379.2800 | LiveNation.comYou still laugh along every night on syndicated TV, now don’t miss a rare opportunity to see this comical genius perform live during his North American tour. Seinfield has made his mark in pop-culture history with his unique and distinguishable brand of humor. Come see what’s new in “Jerry’s world.”

Susan G. Komen Race for the CureState Capital District, October 10th602.544.2873 | KomenPhoenix.orgJoin in the fight against breast cancer with the largest 5K event in Arizona. As a runner/walker, you’ll be part of a vast group of those in support of finding a cure for this disease. You may sign up to run in memoriam of a lost loved one, or in celebration of a brave survivor. Before and after the race, enjoy the multitude of booths and exhibits that will have information, freebies and goodies.

Disney’s Beauty and the BeastASU Gammage, October 19th – 24th480.965.5062 | ASUGammage.comThis Academy-Award winning Disney hit is brought to life on stage in a captivating and delightful presentation. One of life’s best lessons is learned in the tale of a girl who dares to look past a man’s beastly exterior and love the true prince inside. Dazzle at the exquisite sets and costumes, and sing along to all your favorite musical numbers such as Be Our Guest and the self-titled number Beauty and the Beast.

The 9th Annual First Press Weekend of WineThe Musical Instrument Museum, October 29th480.774.8466 | FirstPressArizona.comSip, mix and mingle at the spirited Grand Tasting featuring more than 100 celebrated wines. Watch local chefs enter culinary battle to claim the championship plate at the 4th annual Food Fight. Delight in mouth-watering culinary treats all while taking in the inspiring visuals of the Musical Instrument Museum. The MIM houses a collection of over 10,000 instruments from around the world, nearly 300 multisensory exhibits and a 299-seat MIM Music Theater.

Featuring Café ZuZu480.421.7997 | HotelValleyHo.com

Loc

al F

lavo

r!

BRAISED BEEF SHORTRIBSIngredients:6 oz. olive oil24 large, meaty beef short ribs, cut in half6 small onions, peeled and chopped6 carrots, peeled and chopped6 celery stalks, chopped

18 garlic cloves30 fresh thyme sprigs1 3/4 gal. brown veal stock4 Italian parsley bunches1 fresh bay leaf

Your Home

With the dog days of summer behind us, now is the perfect time to tackle those jobs you’ve been putting off for months. Ahem, for example, have you looked in your closets lately? Here are some tips on organizing all those messy places, from harrowing hallway and linen closets to packed kitchen pantries and overstuffed garages.

De-clutter those closets. First, it’s important to determine the purpose of the closet in question and eliminate any objects that don’t fall into that category. For example, a front hall closet should contain coats, hats, shoes, backpacks, umbrellas, and other “out-the-door” objects but not, say, toys, shopping bags, or other things that could spill out or don’t serve a purpose in that specific spot. Now it’s time to empty the closet and clean the floors and shelves. (The cleaner it is, the more likely you’ll be to keep it tidy!) Next, decide what items (if any) to toss and which to donate. Organize the remaining items into categories. For example, if you’re organizing your linen closet, sort out towels by color and size, then sort out sheets by which room or bed they belong. Sort through other items to determine if they should be in the closet or not. Before putting items back, mark the shelves with labels such as “guest towels” or “twin sheets” so you’ll be more likely to keep the closet organized when returning items from the laundry. Purchasing coordinating baskets or boxes of similar shapes and sizes to store smaller items will help to keep things tidy. Finally, consider if the closet needs some fine tuning: Do you need more shelving? Hooks to hang hard-to-find items? Would better lighting in the closet make you more inclined to keep things neat?

Get the garage in tip-top shape. Garages are notorious for messes and chaos. From dirt and bugs to tools and lawn toys, this space can be, well, scary. Try taming the beast with these ideas: After sweeping and debugging the place, do a thorough sorting out (think three piles: trash, donate, and keep). Now, sort the keeps into categories: camping gear, kids’ toys, automotive care, tools, gardening, etc. Hang as much as you can (bikes and shovels and rakes) and find places for bigger items such as kid’s ride-on toys. Now, try to stash as much as you can into bins that can be marked clearly and stacked one on top of another on shelves for easy storage. Rotate what bins are most accessible by the season (keep pool supplies closest spring through summer and holiday decorations closer to the top in winter).

Plan the perfect pantry. Whether you have a walk-in pantry or cabinets for your dry goods, an organized pantry makes shopping and cooking much easier. After discarding any old or nobody’s-ever-going-to-eat-this items, categorize your ingredients and place them accordingly in the pantry or in closets near to where they’ll be used. Keep pantry staples (oils, pasta, canned tomatoes and beans, etc.) at eye-level, lesser-used items lower or higher up. Think like with like. Group pastas and rices and grains together, canned and bottled soups and condiments on another shelf. Bulk items should be placed on highest shelves and reached with a step stool when needed. Gather teas together in baskets and place with tea accoutrements. Same goes for spices. Now, when it’s time for grocery shopping, you’ll be able to do a quick check on what you’re out of without having to do a lot of rummaging through shelves and drawers. Wouldn’t Martha Stewart be proud!

TACKLING HOME ORGANIZATION TASKS

Procedure:1. Heat oven to 350 degrees. Heat the oil in a large pan over medium-high heat until it shimmers. Salt and pepper the ribs and cook them, in batches, until they are nicely browned on all sides, about 20 minutes.2. Remove the ribs and add the onion, carrot, celery, garlic, sprigs of thyme, salt and pepper to the skillet. Continue cooking until the vegetables are tender and browned, about 10 minutes more.3. Transfer the vegetables to roasting pans and evenly distribute the Italian parsley over the top. Add the short ribs and enough stock to come up the sides but not over the ribs. Bring the braising liquid to a simmer. Add the remaining thyme and bay leaf then transfer to the oven and cook at a very gentle simmer (just an occasional bubble) for 1 hour. Turn the ribs and continue cooking until the meat is tender and comes easily away from the bone, about 1 1/2 hours more.4. Transfer the ribs to a sheet pan with parchment. Strain the braising liquid, bring to a simmer and skim off the fat. Reduce the liquid slightly (just so it has a little body), then return the ribs to the braising liquid. 5. Simmer just long enough to reheat the ribs, and then serve.Yields: 24

PHOTOGRAPHING NATURE’S GRANDEUR THIS FALL? TRY THESE TIPS TO GET THE PERFECT PICS.

Shoot in the early morning or early evening. The bright light of midday can make photos look harsh. Even better: Plan to shoot the half hour before and after sunrise and sunset. You’ll have richer colors and deeper shadows to add interest to your photos.

Get close. Zoom in on leaves to showcase extraordinary details.

Go for contrast. Look for colors set against evergreens for photos that really pop.

Hope for a storm. Shooting during or right after a storm can result in dramatic images. Wet leaves and wet surrounding surfaces tend to be more vibrant and intense.

Compose, compose, compose. Try to set up your shot with something in the foreground, middle ground and background. Move around as you compose. Sometimes a few steps can make the difference between so-so and spectacular.

Arizona may not pop into most people’s minds when they hear the words “fall foliage,” but our state is home to some of the most surprising and spectacular autumnal shows of color. Autumn in Arizona can truly be jaw-dropping—if you know where to look for the latest leaves. It’s time to lace up your boots, grab a light jacket, and head to the high country. First stop on your fall checklist are the area’s finest arboretums. The Arboretum at Flagstaff is a must for fall leaf-peepers. This 200-acre botanical garden is the place to see plenty of fall colors. It closes for the season on October 31st so be sure to visit before then. Those looking for late-season color should try the Boyce Thompson Arboretum, outside of Superior, about an hour’s drive east of Phoenix. In mid-November, the arboretum’s famous grove of Chinese pistachio trees begins to turn shades of gold, orange, and red, peaking around Thanksgiving weekend. The annual Fall Foliage Finale Festival, November 27th and 28th, offers live music and events daily (check http://cals.arizona.edu/bta/ for updated information). Color continues at the Arboretum through December. Take that, Vermont! Our state’s National Forests provide the perfect backdrop for a fall flash of color. In the Coconino National Forest, look for golden aspens, amber oaks, and scarlet maples on the mountains, meadows, and canyons. Fall colors can begin as early as mid-September and last through mid-November, with the best showing around the second week of October. Some foliage hot spots in mid-October are the San Francisco Peaks north of Flagstaff for golden aspen leaf color and the West Fork of Oak Creek Canyon north of Sedona. Flagstaff’s Snowbowl Ski Resort offers a breathtaking Skyride where you’ll ascend to over 13,000

feet in elevation with a plethora of colorful leaves as your serene scenery. Visit ArizonaSnowbowl.com for details. The Apache and Sitgreaves National Forests offer two million acres (that’s right, we said million!) of mountain country in east-central Arizona. Leaf colors fade in this area by the end of October, so get there early. And if you’re able to head a bit farther north, Kaibab National Forest offers ample leaf-viewing opportunities, as well. If you’re out viewing the weekend of Halloween, your best bet might be the central and southern Arizona mountain ranges (the Pinals near Globe and the Catalinas near Tucson) for maples turning gorgeous hues of red. Yavapai County in central Arizona is home to the Verde Canyon Railroad which offers their Fall Colors Tour October through November. Ride the rails in style while catching sight of the rich ambers, golds and copper hues blanketing the scenic Verde Canyon. Fall is also a time when the local wildlife is more active and visible to train passengers as well. Log onto VerdeCanyonRR.com to learn more. Of course, no reference of Arizona and fall foliage would be complete without mentioning the Grand Canyon. Autumn is the perfect time to visit the North Rim. Expect splendid color from the aspen, oak, and birch trees, with the glory of the revered Grand Canyon as your backdrop. Plan your trip well and remember the North Rim is about a seven-and-a-half-hour drive from Phoenix. For updated fall color reports, call the US Forest Service’s hotline at 800.354.4595. Don’t forget the camera and be careful driving among all the other leaf “lookie loos” on the mountain roads!

your homeInspirations for Getting Organized

comfort food with a contemporary twistCafé ZuZu’s Short Ribs

October | 2010

A Guide to Viewing Fall Foliage

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

Gena has built her business one relationship at a time and loves working with her borrowers and Realtors. She has over a decade of experience in the financial industry as well as an undergraduate degree in Communications and an MBA in Business Management and Marketing. This strong background of education and experience makes Gena a well-rounded candidate to serve the First-Time Homebuyer, a family growing their portfolio for the future or the avid investor.

Arizona HomeownerGena Schaublin

Sr. Mortgage ProfessionalNMLS #181884

Arizona Real Estate Opportunities ARIZONA IS ON SALE. ALMOST UNHEARD OF VALUES

EQUATE TO ONCE-IN-A-GENERATION PRICING!!

Considering a second home? I have 10% down financing!

Investment or rental property? Buy with just 20% down.

With interest rates at historic lows, home prices at huge discounts

and a fantastic selection of home inventory – now’s the time to buy!

GET PRE-APPROVED TODAY:www.HomeownersFG.com/GenaSchaublin

Direct: 602.317.7610Gena@HomeownersFG.com

Homeowners Financial GroupBK #0906222

16427 N. Scottsdale Rd. #280 • Scottsdale, AZ 85254

Superior Jumbo Financing!• Loan amounts up to $2,000,000• 720 minimum credit score• Reserves required; varies by loan-to-value• Primary Purchase and Rate/Term Refi• No subordinate financing allowed• Loan-to-value up to 80% up to $1,500,000• Loan-to-value up to 75% between $1,500,000 and $2,000,000

October FHA Streamline PromotionLOCK AN FHA STREAMLINE RATE/TERM REFINANCE IN OCTOBER AND ONLY PAY A FLAT FEE OF $750*!

Processing Fee $620Underwriting Fee $550Doc Prep Fee $295MERS Fee $6.95Flood Cert Fee $16TOTAL $1,487.95 $750* INSTEAD!

*Does NOT include credit report and title fees.Rates, fees and loan programs subject to change without notice.

• Up to $417,000 loan amount• Up to 95% primary residence with 680+ FICO scores, purchase and Rate/Term Refi only (SFR, PUD and Condo)• Up to 90% second home purchase and Rate/Term with 720+ FICO score• Up to 85% cash-out refinance on primary residence only with 700+ FICO score

5% Down Conventional Financing!

• No appraisal needed!

• Verbal verification of employment & income

• Borrower must make October’s payment

• Promotion designed for FHA homeowners current on mortgage and want to rate/term refinance