36 CLUBS AND CLASSES ADVERTORIAL


Benefit amounts may be lowered if rates continue to increase!


directly tied to interest rates. The time to find out if a Reverse Mortgage is right for you is NOW.


Interest rates have recently increased on 30 year fi xed mortgages. When this happens the benfi t amount, or the amount of money available to seniors who qualify for a reverse mortgage can be lowered.


62 years old and older to convert their home equity into cash without ever having to make another payment and with no out of pocket expenses. Instead


of In


fact if you have been considering a reverse mortgage then the time to do so would be soon, or even better right now. “Over the past 4 weeks we have seen mortgage interest rates rise dramatically. If the interest rates continue to climb, we will see a signifi cant decrease in the amount of money seniors can get out of their reverse mortgage. We are trying to get as many customers locked in and closed before this happens to maximize the amount of money they can receive.” said Parker Turk of Sun American Mortgage.


The good news


for seniors is that some recent government changes have allowed seniors to qualify to get more money in their pocket through new calculations. In fact, some mortgage bankers like Sun American Mortgage, one of Arizona’s largest independent Mortgage Bankers, have even sliced their own closing costs and eliminated their origination and servicing fees to put even more money back into the hands of seniors who qualify for a reverse mortgage. A reverse mortgage allows people who are


the homeowner writing a check to the bank each month, the bank now pays the homeownerwho can elect to receive a lump sum, a line of credit or monthly payments. One of the biggest criticisms of reverse mortgages has been the fees, which before the new changes could have totaled up to 5% of a home’s value. But the new cuts in fees mean that some homeowners can save $15,000 or more on the closing costs. Parker Turk, from Sun American Mortgage also explained more about these savings. “The new calculations allow more seniors to qualify for a Reverse Mortgage. Over the past 12 months, many people that have called seeking fi nancial relief just didn’t have enough equity in their home, but with the new government changes people are revisiting a Reverse Mortgage as an option and are fi nding out they now qualify. In addition, at Sun American Mortgage we cut our origination fees, servicing fees, and are now able to cut their closing costs putting that money directly back into their pocket.” The new changes also brought about some new programs to allow seniors


more fi nancial options than ever. Parker Turk explained that “there is a new Reverse Mortgage Product called a Reverse Mortgage Saver. It works just like a home equity line of credit without ever having to make a monthly payment. The upfront fees on this program have been slashed and it is now one of the most attractive fi nancial options available to seniors. Seniors who are interested taking a look at these new programs should do so as soon as possible to take advantage of some of the greatest benefi ts.” Parker also said “Remember that when you are looking into a Reverse Mortgage it is recommended that you fi nd a local business with a great reputation. Sun American Mortgage is a Farnsworth company and wrote the fi rst reverse mortgage in the state of Arizona over 20 years ago.”


For more information, just call Parker Turk or Rex Duffi n at Sun American Mortgage


(480) 832-4343 or toll-free at 1(800) 469-7383.


An equal housing opportunity company, member of the Better Business Bureau and the National Reverse Mortgage Lenders Association. Mortgage Banker License #BK7548 • NMLS #160265 Parker Turk: LO-0912436 • NMLS#267132 Rex Duffi n: LO-0911707 • NMLS # 169138


Your Reverse Mortgage benefit amounts are REVERSE MORTGAGE


editorial@robson.com — January 2011 Democratic Club road clean-up


The participants were, left to right, from front to back: Elissa Hauptman, Mary Thompson, Cathy Schaber, Jerry Lujan, Mark Griffith, Bernie Schaber, and Doug Dechant. Joel Hauptman was behind the camera.


Elissa Hauptman Beautiful weather, great companionship, and community service all combined to make


for a wonderful morning for eight volunteers from the SaddleBrooke Democratic Club. On December 8, eight enthusiastic souls ventured out to route 79, between mile posts 99 and 100, to participate in the Arizona Adopt a Highway program. Besides the normal trash, the group cleaned up some assorted car parts from a recent accident and recovered two lost credit cards, which were reported to the credit companies. 


Catalina Timewalkers celebrate Crystal and Christmas


Ruth Ann Melzer shows her holiday bear collection.


Nancy Harling Sandi Newberry, hostess for the


November meeting of the Catalina Timewalkers Chapter of Questers, introduced the group to the mystique of Lalique. Sandi was assisted by co- hostesses Judy Stanard and Paula Radtke. When Lalique is mentioned, a vision frosted art deco glass comes


of clear,


to mind. However, Rene Lalique (1860- 1945) began his career as a successful art nouveau jewelry maker; and by the time he was 21, was designing jewelry for an impressive list of clientele,


including


Cartier and Sara Bernhardt. In 1906, Francois Coty, the perfume


manufacturer, asked Lalique to design a label for a new perfume. Instead, Lalique produced a luxurious perfume bottle, which changed the course of his career from jewelry maker to glassmaker. In 1921, he bought a large factory in Wingen, France, that continues to be the main factory producing Lalique glass today. It was


design that made Lalique


glass great. Unlike Tiffany or Daum, who used teams of designers, Lalique designed every single piece by himself. His prolifi c output of over 3000 designs included 200 vases, perfume bottles for dozens of companies,


lighting fi xtures,


Sandi Newberry and Marilyn Bertke share their Lalique collections.


clocks, paper weights, and ash trays. He was also known for creating 28 glass car hood ornaments between 1925 and 1932. Called “car mascots,” most featured stylized animals or


female fi gures, and


some even lit up! Nearly all of Rene’s work is signed, and today rare pieces can sell in the six fi gures. In December, the Catalina Timewalkers


held its holiday luncheon and fund-raiser at the beautifully decorated home of Ruth Ann Melzer. Ruth Ann shared her family’s wonderful holiday traditions of a generational mother-daughter holiday tea, special china plates and mugs, annual hand-made Christmas cards, gingerbread houses, lovely quilts, and Teddy bears in every room. Dottie Goehring, Sharon Meade, and Linda Schwartz helped Ruth Ann provide the delicious food to celebrate the season. Questers, founded in 1944, consists


of more than 900 chapters with over 15,000 members in the United States and Canada. The Catalina Timewalkers’ purpose is to stimulate the appreciation of antiques through study and to encourage the restoration and preservation of historic landmarks.


contact Catalina Timewalkers’ president Marilyn Bertke at 818-1592. 


Bridge Clinic Notice


Paul Shalita This clinic is a practice and critique


session designed for players at all levels who desire to improve their bridge. No partner is necessary. There’s no time commitment;


SADDLEBROOKE PROGRESS


come late, leave early. Meet potential new partners. Sessions run from 1 to 4 p.m. on Thursday afternoons at DesertView. For more information, call Paul Shalita at 825-8838.


For further information,


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