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Farm Talk with Paul Ward in Ventura County, CA discusses different aspects of farm living in rural communities in California.
Episodes
Wednesday Aug 09, 2023
Wednesday Aug 09, 2023
15 Minutes with Paul Ward - First Time Home Buyer Specialist, Marianne Caprino
In this special episode, Paul meets with first time home buyer expert, Marianne Caprino. Marianne shares some surprising information such as a first-time home buyer can also be someone who has not owned a home in three years! Marianne also shares what mortgage insurance is and how it can affect a buyer’s ability to purchase a home. There may be some unforeseen costs involved when buying a home but this episode breaks it down into easy-to-understand segments so buyers can be prepared!
What programs are available in California to help first time homeowners? How can you start on your journey to home ownership? Tune in and find out!
Paul has also prepared a video presentation with this episode available on YouTube @PaulWardFarmTalk and on his blog with a full transcript!
What you’ll learn in this episode:
0:00 Topic Introduction
0:34 First time home buyer criteria
0:54 New programs for first time home buyers in California
2:27 Defining mortgage insurance
2:46 Possible unforeseen costs
3:54 20% down payment assistance
5:51 Loan restrictions
6:31 Loan eligibility
8:11 Important factors to consider
11:05 Low-income grant programs
12:35 How to get in touch with Marianne Caprino
First-time Homebuyer related 15 minutes episodes:
Vanessa Jimenez from Opus Escrow
Mortgage Rates with Mortgage Loan Originator, Karly Rosalez
Marianne Caprino - Mortgage Loan Originator
Luxury Properties, Jumbo, Conventional, FHA, VA
Dignified Home Loans, LLC
Cell (805) 340-6659 2751
Park View Court 2nd Floor, Suite 231 Oxnard, CA 93036
NMLS 1829876
Dignified Home Loans | Your Trusted Mortgage Lender - Marianne Caprino
Have ideas for future episodes? We'd love to answer your questions - leave a comment!
For any home buying or home selling needs in the Ventura County area of California, please reach out to Paul@HomeAndRanchTeam.com or visit www.HomeAndRanchTeam.com
Wednesday Aug 02, 2023
Wednesday Aug 02, 2023
Horses, cows, goats, and pigs oh my! In this episode, Paul meets with Dr. Katie Nenneker, COO and co-founder of Nenn Equine to discuss what it’s like being a large animal mobile veterinarian in Southern California. Based out of Santa Rosa Valley near Camarillo, Dr. Nenn and her husband Greg Marx founded the practice in 2020 with the goal to service all animals in the surrounding communities in need of mobile veterinary care. Just three short years later, Nenn Equine is the primary vet source for large animals from Long Beach to Mojave.
Discover how Dr. Nenn treats large companion animals with state of the art laser technology to heal catastrophic injuries that once might not have been treatable. When she’s not saving lives, you’ll find her treating Los Angeles’s surprisingly large pot bellied pigs, including pedicures complete with rhinestones! There’s so much to learn about a practice that ranges from vaccinating flocks of chickens to splinting a broken leg for a Nigerian dwarf goat… but that’s not all!
Dr. Nenn has a few more endeavors up her sleeve! She’s in the process of starting a large animal hospital so community members and their animals don’t have to travel 400 miles to Davis CA for specialized care. She also created the non-profit Nenn Foundation to save animals who are in dire need of care their owners cannot afford.
Tune in to hear the incredible rescue story of DaVinci the pygmy goat, thanks to the Nenn Foundation in this episode!
Watch on YouTube! https://youtu.be/zyVmMylAinM
Contact Nenn Equine
1-805-603-2716
Animal Related Farm Talk Episodes
Beekeeper Larry Pender - https://youtu.be/UT4QnrfqETE
All Dogs Rule - https://youtu.be/G1Bqw7W9IJQ
Equine Facilitated Learning - https://youtu.be/XMKZ3VVI-bQ
In This Episode:
0:00 Intro to our Guest Dr. Katie Nenn
:28 How Nenn Equine began in 2020
1:20 Territory covered by Nenn Equine
2:26 How patients are prioritized
3:57 The most common call Nenn Equine receives
5:12 Vaccination schedule by species
6:27 Farm animals as companion animals
8:44 Start of the art laser technology for treating large animals
13:09 One stop veterinary services
14:30 Video consultations
15:52 Nenn Equine’s practice is expanding
17:11 Farm animals in Los Angeles
18:37 Nenn Foundation
20:00 Establishing a large animal hospital
22:06 Rescuing large animals
24:39 Veterinary medicine is female driven industry
27:22 Expanding the Nenn Foundation into other states
28:20 Davinci the rescue goat
30:15 Bulldog of the Year at Fresno State
Have ideas for future episodes? We'd love to answer your questions - leave a comment! For any home buying or home selling needs in the Ventura County area of California, please reach out to Paul@HomeAndRanchTeam.com or visit www.HomeAndRanchTeam.com
A special THANK YOU to our sponsors! Farm Talk with Paul Ward would not be possible without the support of our sponsors OPUS Escrow and Community West Bank. Supporting our sponsors ensures Farm Talk can provide listeners with the best possible episodes.
Wednesday Jul 26, 2023
Wednesday Jul 26, 2023
Home appraisals are so important because they guarantee your lender that the home is worth the purchase price. But are appraisals always accurate? In this episode, Paul walks us through a recent appraisal nightmare that no homeseller ever wants to encounter. What happens when appraisals go wrong and why can they be so inaccurate? Get your questions answered in this brief but informative episode!
Watch the full episode complete with charts and guides on Paul’s YouTube channel.
What you’ll learn in this week’s episode:
0:00 Real estate transactions and how they can impact a transaction
0:19 A recent real estate appraisal debacle in Ventura County, CA
0:55 The three types of appraisals
2:13 Challenges of appraising custom homes
2:50 The appraised custom home
4:40 The first incorrect appraisal
5:38 The second appraisal is also too low
6:11 Why the appraisals went so wrong
9:54 Paul’s advice when encountering an inaccurate appraisal
11:05 Contact Paul with any questions
11:14 Thank you to our sponsor, Opus Escrow
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Have ideas for future episodes? We'd love to answer your questions - leave a comment! For any home buying or home selling needs in the Ventura County area of California, please reach out to Paul@HomeAndRanchTeam.com or visit www.HomeAndRanchTeam.com
A special THANK YOU to our sponsor! Farm Talk with Paul Ward would not be possible without the support of our sponsor Opus Escrow. Supporting our sponsor ensures Farm Talk can provide listeners with the best possible episodes.
Wednesday Jul 19, 2023
Wednesday Jul 19, 2023
Join Paul Ward as he learns about an incredible nonprofit that redistributes produce to food insecure people in Ventura and Los Angeles counties. Andrea Howry shares how she started volunteering with Food Forward and the logistics behind redistributing over 227 types of produce from backyard farms, wholesale and farmers’ markets. Food Forward rescues produce that would otherwise go to waste and works with many organizations to redistribute enough food to meet the nutritional needs of over 220,000 people.
Learn more about Food Forward, including how to volunteer at a picking event!
Watch the full episode complete with charts and guides on Paul’s YouTube channel.
What you’ll learn in this week’s episode:
0:00 Introducing Andrea Howry from Food Forward, a non-profit organization dedicated to ending food insecurity in southern California
0:26 Thanks to our sponsor, Opus Escrow
0:27 What is a backyard harvest coordinator with Food Forward?
1:17 Is one tree enough to warrant a call from Food Forward?
1:45 Does Food Forward accept canned goods?
2:06 How does fresh produce get distributed by Food Forward?
2:47 What are the sources of fresh produce?
4:28 Where would the food go if hungry families weren’t being served?
5:14 Food insecurity is a huge problem.
5:52 Where did the idea for Food Forward come from?
6:59 Is Food Forward a combination of employees and volunteers?
7:38 Are there repeat donors?
8:09 Is harvesting from just orchards or gardens, too?
8:33 What happens to crops that don’t have a long shelf life?
9:33 What happens to donations like lemons?
10:18 How does Food Forward find volunteers?
11:59 How much food is prevented from going into the landfill?
13:06 How does food get distributed by Food Forward?
13:58 How big is Food Forward?
14:58 What is the role of a Farmers’ Market Coordinator
15:16 Is a church a hunger relief organization?
15:28 Does Food Forward distribute directly to families?
15:34 What’s in store for the future of Food Forward?
16:32 How can people get in touch with Food Forward to donate produce?
17:21 What does a picking event entail?
17:47 How Andrea Howry started volunteering with Food Forward.
18:51 Redistributing 227 different types of produce to food insecure people.
20:10 Thank you to Andrea for sharing her time and knowledge with the Farm Talk audience.
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Have ideas for future episodes? We'd love to answer your questions - leave a comment! For any home buying or home selling needs in the Ventura County area of California, please reach out to Paul@HomeAndRanchTeam.com or visit www.HomeAndRanchTeam.com
A special THANK YOU to our sponsor! Farm Talk with Paul Ward would not be possible without the support of our sponsor Opus Escrow. Supporting our sponsor ensures Farm Talk can provide listeners with the best possible episodes.
Wednesday Jul 05, 2023
Wednesday Jul 05, 2023
Paul meets with Carlos Ramirez of Bonito Coffee to talk about "farm to cup coffee", his Central American family traditions that started his passion for coffee roasting, and his love for the Ojai community.
Have ideas for future episodes? We'd love to answer your questions - leave a comment! For any home buying or home selling needs in the Ventura County area of California, please reach out to Paul@HomeAndRanchTeam.com or visit
www.HomeAndRanchTeam.com A special THANK YOU to our sponsor! Farm Talk with Paul Ward would not be possible without the support of our sponsor Opus Escrow. Supporting our sponsor ensures Farm Talk can provide listeners with the best possible episodes.
Wednesday Jun 28, 2023
Wednesday Jun 28, 2023
A home is many people’s most important asset. Protecting this form of wealth comes in many forms, and one of them is title insurance. In this episode, Paul speaks with title insurance expert, Tom Piszczek to discover how title insurance can protect you against not only liens, but title fraud as well. In a brief but informative 15 minutes, Tom discusses several title insurance scenarios including mechanics liens and elder abuse. To protect your home against fraud, Tom recommends Fraud Notify, a protection service offered by The Ventura County Clerk-Recorder. Find out how to quickly and easily protect your home - and those of loved ones - by registering for Fraud Notify.
Watch the full episode complete with charts and guides on Paul’s YouTube channel.
0:00 Introducing Tom Piszczek, Account Executive with Lawyers Title
0:54 What is title insurance and why is it important?
2:45 As long as you have an active policy, you have coverage for future events
3:08 Mechanic’s lien scenario
4:16 Statement of information at the opening of escrow
4:48 Escrow’s responsibility to work with sellers to get partial releases
5:50 What if the seller hasn’t paid back taxes?
7:02 Free fraud alert program in Ventura County - Fraud Notify
10:30 What to do if you get fraud alert
11:53 Benefits of discovering fraud early
12:48 Preventing elder abuse with Fraud Notify
15:22 Get in touch with Tom Piszczek with title insurance questions
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Have ideas for future episodes? We'd love to answer your questions - leave a comment! For any home buying or home selling needs in the Ventura County area of California, please reach out to Paul@HomeAndRanchTeam.com or visit www.HomeAndRanchTeam.com
A special THANK YOU to our sponsor! Farm Talk with Paul Ward would not be possible without the support of our sponsor, Opus Escrow. Supporting our sponsor ensures Farm Talk can provide listeners with the best possible episodes.
Wednesday Jun 14, 2023
Wednesday Jun 14, 2023
Paul recently had the opportunity to meet with Karen and Ron Meier, founders of Mulberry Lane Farm and “Upside of Downs” in beautiful Somis, CA. Mulberry Lane Farm hosts a program to provide opportunities for differently-abled adults to participate in farm activities like planting, harvesting, cleaning seeds, and packaging produce for local farmers’ markets. In this episode, listeners will discover more about the founding of the farm, a typical day in the life of folks on the farm, and the two people who made a dream come to life.
Related Links
Donate to Upside of Downs (501c3 nonprofit)
Ventura County Certified Farmers’ Market
Camarillo Certified Farmers’ Market
Watch the full episode on Paul’s YouTube channel.
In this episode you’ll learn:
0:00 Introducing Ron and Karen Meier, founders of Mulberry Lane Farm and Upside of Downs
0:33 Up on the Farm - day program for differently-abled adults
2:48 Growing crops from around the world (bananas, papayas, and guavas!)
4:02 How Mulberry Lane Farms began
5:47 A typical day on the farm
7:58 Beekeeping on the farm
10:35 Upside of Downs program - a certified 501c3 nonprofit organization
15:42 Selling seasonal produce at local farmers markets
17:34 Using organic farming methods
18:10 Crop surprises
20:24 Selling seeds on Etsy
21:55 Learning more about the Up with Downs program
23:10 The specialness of the property
28:50 Thank you to our sponsors
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Have ideas for future episodes? We'd love to answer your questions - leave a comment! For any home buying or home selling needs in the Ventura County area of California, please reach out to Paul@HomeAndRanchTeam.com or visit www.HomeAndRanchTeam.com
A special THANK YOU to our sponsor! Farm Talk with Paul Ward would not be possible without the support of our sponsor Opus Escrow. Supporting our sponsor ensures Farm Talk can provide listeners with the best possible episodes.
Friday Jun 09, 2023
Friday Jun 09, 2023
Do you dream of owning a ranchette with chickens or a horse barn? Not so fast! Your farm dreams could be dashed depending on how your property is zoned. In this episode, Paul discusses general zoning guidelines and types of common permits needed for everything from a 20,000 sqft metal barn to an accessory dwelling unit. The Ventura County Non-Coastal Zoning Ordinance may be 450 pages, but Paul breaks down the basics in less than 15 minutes!
Related Links
Ventura County Non-Coastal Zoning Ordinance
Rural Agricultural, 5 acre minimum lot size
Accessory Dwelling Units with Marianne Caprino
How to determine a parcel’s zoning
Watch the full episode complete with charts and guides on Paul’s YouTube channel.
In this episode you’ll learn:
0:00 Why zoning is so important
1:19 Ventura County Non-Coastal Zoning Ordinance
1:47 Common zoning types
3:06 “Gentleman” Farm zones
3:18 “Living in town” zones
3:40 Open Space vs. Ag Exclusive zoning
4:37 Rural agricultural, Rural exclusive, and Single family estate zoning
5:11 What is allowed in each zone
6:15 Zoning Clearance Waivers
6:19 Types of structures allowed by zone
7:41 Accessory Dwelling Units
9:09 How to determine a parcel’s zoning
11:43 Thank you to our sponsor - Opus Escrow
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Have ideas for future episodes? We'd love to answer your questions - leave a comment! For any home buying or home selling needs in the Ventura County area of California, please reach out to Paul@HomeAndRanchTeam.com or visit www.HomeAndRanchTeam.com
A special THANK YOU to our sponsor! Farm Talk with Paul Ward would not be possible without the support of our sponsor Opus Escrow. Supporting our sponsor ensures Farm Talk can provide listeners with the best possible episodes.
Wednesday May 31, 2023
Wednesday May 31, 2023
In this episode of Farm Talk, Paul is on location with Lisa Tate, founder of the California Coffee Collective at Rancho Filoso outside of Santa Paula, California. Not only is California Coffee Collective one of the first of five farms to grow coffee in California, their crop just went into commercial production in 2021. Lisa may be new to growing a coffee crop, but her family have been farmers since the 1800’s.
In just under 30 minutes, Lisa discusses how an expertise in growing avocados led to a giant revelation. Listeners will also discover how an all women crew and volunteers do all of the harvesting - and the tricks they have up their sleeve. One method Lisa devised is painting the women’s nails the exact color of a ripened coffee cherry. The harvesters then only picked perfectly ripened coffee cherries which is a critically important part of the process. You’ll have to listen to the full episode to find out what happens to the leaves from the coffee bush!
Lisa and the California Coffee Collective have proven coffee can be grown right here in Ventura County, but is the cuppa joe any good? (Spoiler - it’s really great.)
Related Links
Watch the full interview with Lisa on location at Rancho Filoso on Paul’s YouTube channel.
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Have ideas for future episodes? We'd love to answer your questions - leave a comment! For any home buying or home selling needs in the Ventura County area of California, please reach out to Paul@HomeAndRanchTeam.com or visit www.HomeAndRanchTeam.com
A special THANK YOU to our sponsors! Farm Talk with Paul Ward would not be possible without the support of our sponsors, Opus Escrow and Karly Rosalez from The Money Store. Supporting our sponsors ensures Farm Talk can provide listeners with the best possible episodes.
Wednesday May 24, 2023
Wednesday May 24, 2023
Accessory Dwelling Units - Financing, Estimated Costs, and Potential Rental Income
Are you looking to earn extra income by building a granny flat - also known as an Accessory Dwelling Unit (ADU)? Adding an ADU to your home by converting a garage into an apartment or installing a tiny home on your property has never been more popular. In this episode Paul meets with mortgage loan originator Marianne Caprino from Dignified Home Loans to discuss financing options, estimated costs and potential rental income in Ventura County, CA.
Check out the full episode on Paul’s YouTube channel, @PaulWardFarmTalk.
Related Links
Marianne Caprino email marianne.caprino@dignifiedhomeloans.com
Marianne Caprino cell (805) 340-6659
Accessory Dwelling Units in California
What you'll learn in this episode:
0:00 Marianne Caprino introduction
0:43 Why Accessory Dwelling Units (ADUs) are popular in California right now
1:07 How to fund an ADU with Dignified Home Loans
1:41 Types of ADUs
2:24 Estimated costs for creating different types of ADUs
3:14 The process for securing a loan for an Accessory Dwelling Unit
4:01 Interest only loan for the first 12 months
4:52 After 12 months the loan converts to a 20-30 year fixed loan
5:34 Estimated rent for an ADU in Ventura County
6:11 Homeowners Associations and Accessory Dwelling Units
7:11 Solar and ADU
8:19 Tiny homes as accessory dwelling units
9:03 Increasing the value of your home
9:32 Preferred vendor list
10:02 Popularity of ADUs
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Have ideas for future episodes? We'd love to answer your questions - leave a comment! For any home buying or home selling needs in the Ventura County area of California, please reach out to Paul@HomeAndRanchTeam.com or visit www.HomeAndRanchTeam.com
A special THANK YOU to our sponsors! Farm Talk with Paul Ward would not be possible without the support of our sponsors, Opus Escrow and Karly Rosalez from The Money Store. Supporting our sponsors ensures Farm Talk can provide listeners with the best possible episodes.