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C A R M E L M A G A Z I N E • S P R I N G / S U M M E R 2 0 1 5 129 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 post-graduate degrees. FPOA celebrates its 30th annual Star-B-Que on August 15, with a potluck, silent auction, games, prizes and presen- tations culminating with an evening of stargazing in Fremont Peak State Park. Community members can also attend this year's viewing programs on several Saturday evenings between now and October. FPOA vol- unteers outfit telescopes with special equip- ment for daytime solar viewing activities once a month through October, too. Brown says FPOA members, who include everyday astronomy enthusiasts, rocket scien- tists and engineers, appreciate the chance to contribute to the local community. "This is an opportunity to help people bet- ter understand science and how it's done, while exploring what our place is in the uni- verse," he says. In addition to astronomy programs and wildlife watching opportunities, Fremont Peak State Park offers recreational hiking on about five miles of interconnected trails. The more challenging Cold Springs Trail descends more than 400 feet into a canyon, for example, while the Peak Trail opens to sweeping views on clear days. There's also a paved service road that accommodates wheelchairs and strollers, and visitors can set up tents at 25 regular and large- group campsites in the park. Davis says Fremont Peak attracts a number of families and school groups, plus campers search- ing for a tranquil outdoor experience. "I think what most of our people really appreciate, besides the view, is just the peace and quiet," he says. "You hear the birds. You see the wildlife. You really are out there with nature." For directions, trail maps and information on camping in Fremont Peak State park, call 831/623-4255 or visit the California State Parks website, www.parks.ca.gov. To view a schedule of 2015 Fremont Peak Observatory Association's public programs, visit www.fpoa.net. The 30th annual Fremont Peak Star-B-Que takes place on Saturday, August 15. The Observatory's Challenger telescope is a favorite of local astronomers. Photo: Doug Brown