2017 Market Update

Did you know that 35% of Mesa County houses that were sold this year were in the $200,000-$300,000 range? And check out the increase in sales volume from January of 2016 to January of this year. Looking good!

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GUINNESS SHEPHERD’S PIE RECIPE

Are you ready for some Irish Style comfort food?  Nothing says St. Patricks day like good food and good beer.  This recipe combines them both! Feel free to substitute your favorite Irish beer or even beef broth if you’d like to skip the beer altogether. Get your green on, get in the kitchen and get ready to whip up this famous Irish staple.
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1 & 1/2 pounds russet potatoes
4 tablespoons butter
1/4 cup half & half milk
3/4 teaspoon sea salt
1/4 teaspoon black pepper
1/2 cup cheddar cheese, shredded

GUINNESS SHEPHERD’S PIE RECIPE | INGREDIENTS FOR MEAT FILLING
2 tablespoons olive oil
1 cup chopped onion
2 cloves garlic, minced
1 & 1/2 pounds ground round
1 teaspoon sea salt
1/2 teaspoon black pepper
2 tablespoons all-purpose flour
2 teaspoons tomato paste
1/2 cup Guinness Irish beer
1/2 cup beef broth (or chicken broth)
2 teaspoons Worcestershire sauce
2 cups frozen vegetable medley, thawed (corn, peas, carrots, green beans)
1 teaspoon dried rosemary
1 teaspoon dried thyme

INSTRUCTIONS FOR POTATOES
  1. Peel the potatoes and cut them in fourths. Place them in a medium pot and cover with cold water.
  2. Boil the potatoes over medium-high heat until they are fork tender. (While the potatoes are boiling, prepare the meat filling.)
  3. Remove the potatoes from the boiling water add butter and mash the potatoes with a flat beater on low speed.
  4. Gradually pour in the half & half and add in salt, pepper and cheese. Mix until smooth.
  5.  Preheat the oven to 350 degrees.
INSTRUCTIONS FOR MEAT FILLING
  1. In a saute pan heat the oil over medium heat. Saute the onion until it begins to turn golden brown. Add in the garlic and continue to saute.
  2. Add in the ground round, salt and pepper. Cook until the beef is completely brown with no more pink.
  3. Sprinkle flour on the meat and fold it into the mixture.
  4. Add in the tomato paste, Guinness beer, beef or chicken broth, Worcestershire, rosemary and thyme.
  5. Stir to mix everything together. Bring meat filling to a brief boil, then reduce the heat to low.
  6. Cover the saute pan and let the mixture simmer for about 12 minutes until the sauce is lightly thickened.
PREPARING THE SHEPHERD’S PIE
  1. Fold the vegetable medley into the meat mixture until everything is combined.
  2. Transfer the meat filling to an 8 X 8 inch baking dish. Using a spatula spread it evenly on the bottom.
  3. With a clean spatula, spread the mashed potatoes evenly on top of the meat mixture.
  4. Around the edges of the meat mixture make sure the potatoes form a nice seal within the baking dish to prevent overflow of the filling while baking.
  5. Put the baking dish on a cookie sheet lined with parchment paper to catch any overflow.
  6. Place the Shepherd’s Pie on the middle rack of the oven to ensure good heat circulation.
  7. Bake for 25 minutes or until the potatoes become lightly golden.
  8. Remove the Guinness Shepherd’s Pie and allow it to cool for 15-20 minutes before serving.
ORIGINAL RECIPE COURTESY CONFETTIANDBLISS.COM 

The new, improved doorbell

TECH.pngYou’re probably familiar with devices like Nest, which use smart technology to automate your thermostat and save you money.

Think of Ring as the Nest of doorbells. It’s a product that replaces your standard doorbell with a device that connects to your home WiFi connection and sends video and audio of your doorstep to your mobile device.

In other words, you can use your smartphone to see who’s at the door, and you can do it from anywhere in the world.

It brings a whole new level of convenience. You’ll never have to worry about missing a delivery or having a package left in the wrong place-you can be at work when FedEx arrives, and use the intercom feature to tell the delivery man to leave the package where you please.

It’s also a great security tool. You can use the intercom to give the appearance that you’re home, turning away everyone from annoying salesmen to potential burglars. It activates with motion detection, so you don’t have to wait for the doorbell to ring before you’re alerted that someone is at your home.

There are various ways to install Ring, and it starts at $199. Go to ring.com if you can see yourself with this super tech-y home upgrade.

Take a Hike – Friday FAVORITES

As the weather gets warmer, Grand Valley residents and visitors take to the hills and we can’t blame them.  Here are our 3 top favorite Grand Valley Hikes!  Let us know your favorite trails to adventure and watch for them to possibly featured this spring!

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  1.  Mount Garfield – We’re starting off with the best in our opinion! If you have not hiked Mt. Garfield yet, you need to wait for a warm day and do it!  It’s a challenging hike for sure, with a very steep incline at the start.  This hike is VERY challenging and VERY rewarding! The view is most definitely your reward for the miles you climb.  And don’t forget to watch for the wild mustangs.   3.6 miles, located near Palisade. 

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    Mount Garfield
  2. Devils Kitchen –   This trailhead is easily accessible from the Colorado National Monuments west entrance and full of beautiful scenery. Within the tall rocks is a “natural rock room” where you can stand surrounded. It’s quite an experience. And there are always the infamous LEMON SQUEEZERS close by if you dare.  1.2 miles, South End of the Colorado National Monument

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    Devils Kitchen
  3. Liberty Cap – Liberty Cap is a 160 million year old remnant sand dune that is slowly succumbing to the forces of nature. It’s only about 50 feet high and only one of seemingly countless rock outcrops in the monument. It’s prominently visible from many points in the area and it is one of the many formations that drew the attention of John Otto, who led the way to make the area a National Park. Even still, it bears his mark. 4 miles, Wildwood Trailhead

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    Liberty Cap

Are you on the fence?

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Have you been wondering how the change in interest rates will effect your monthly payment if you were to buy a house right now? We contacted Lonnie Knob at Guaranteed Rate to find out for you.  Lonnie stated that rates have increased on average approximately  .5% since November, swinging the pendulum from a long standing “declining” or “stable” rate environment to one forecasting mortgage rates on the rise.

What does this mean for you?


Example: If you obtained a home loan for $300,000.00 and took into account the following factors (for informational use only and not a commitment to lend):

75% Loan-To-Value
760+ credit score
30 Year Fixed Loan

Here’s what you could expect to see in regards to your payment difference with a .5% higher rate*:

3.5% (3.555% APR)– $1,347/month (principal and interest)
4% (4.058% APR) – $1,432/month (principal and interest)

The monthly payment increases by $85/month, paid to interest
The yearly difference would be $1,020/year higher, paid to interest
The higher rate equates to approximately $30,600 over the life of loan (30 years) in increased interest payments!

With interest rates and property values continuing to rise, it’s still a great time to lock in a historically low rate to improve the overall affordability of your home purchase.  Click here to use the Mortgage Calculator to estimate your mortgage payments quickly and easily. View matching homes in your price range at MavesGroup.com

* sample payment does not include taxes and insurance, actual obligation would be higher

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Lonnie Knob
Vice President of Mortgage Lending
Lonnie.Knob@rate.com
o: (970) 446-7893
c: (970) 270-2584
f: (773) 328-1900
480 W Park Dr, Ste 203,
Grand Junction, CO 81505
NMLS 236548
COMLO 100022706

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What Are You Doing New Years…

2017

Are you ready for #twentyseventeen?  Ready or not, here it comes!  Are you the type to make resolutions? In our circle of friends we don’t resolve as much as we dream.  We love to set goals and crush them.  So while making plans to ring in the New Year, we suggest taking a bit of time to write down hopes, dreams, plans and goals.  Think outside the box! Stay tuned for our teams 2017 goals early next week!

If you’re looking for something fun to do for New Years Eve here’s a couple ideas that are going on in the Grand Valley…

  • New Years Eve 80’s Flashback Party at Mesa Theater on December 31st beginning at 8pm.
  • New Years Eve Torchlight Parade and Fireworks – starts at 6pm at Powderhorn. Skiers and Riders parade down the mountain with lights and torches to illuminate the mountain like never before. This sounds lovely!

    And there’s truly nothing better than quaint evenings with family and friends to ring in a bigger, better and brighter year.

    Happy New Year from The Maves Group!

    Kelly, Jamie, Lindsay and Jillian