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C A R M E L M A G A Z I N E • H O L I D A Y 2 0 1 4 141 Trail ends at Lovers Point, but from there a lovely seaside trail winds through annually flow- ering iceplant (a spectacular, neon-pink display known as "the magic carpet"), around the tip of Point Pinos, past the lighthouse and on through Asilomar State Park. On clear days, Santa Cruz is clearly visible more than 25 miles across the Bay and sightings of whales, dolphins, sea otters and other marine animals are as common as sea gulls. Golfers flock to the PG Municipal Golf Links, a challenging course with ocean views that rival its more famous cousins to the south in Pebble Beach—and with much more down-to-ear th green fees. The fer tile waters surrounding PG are paradise to surfers, kayakers, scuba divers and anglers. At Lovers Point, many brave the chilly water temperature to swim from its gor- geous white sand beaches. Downtown Pacific Grove life is centered on Lighthouse Avenue, the same road originally 1 Loans subject to credit and collateral approval. Financing available for collateral located in CA, OR, or WA. Restrictions may apply. Terms and conditions subject to change. 2 With an interest-only mortgage payment, you will not pay down the loan's principal balance during the interest-only period. Once the interest-only period ends, your payments will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your mortgage consultant to determine what your payments might be once the interest-only period ends. 3 Certain terms and conditions may apply, including minimum credit score and reserve requirements, and may impact the amount that can be borrowed. Consult your Union Bank mortgage consultant for details. April Robbert VP, Sr. Mortgage Consultant NMLS ID #384061 1400 Munras Avenue Monterey, CA 93940 831-234-2088 cell april.robbert@unionbank.com Choose a mortgage to match When it comes to larger loans, your options can be limited. At Union Bank®, we broaden your choices and offer our most competitive rates on larger home loans. 1 Whether you're buying or refinancing, we make our best options available to you: • Interest-Only Payment Option 2 • Portfolio Lender • Loan amounts up to $5MM 3 • Variety of Loan Programs Get personalized service and great rates! You found your dream home ©2014 MUFG Union Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. Visit us at unionbank.com Asilomar State Beach is a jewel of the pristine Monterey Peninsula shoreline. Surfers, sunbathers and tidepoolers flock here to revel in its rugged beauty.