Episodes

Wednesday Sep 27, 2023
Building Dreams or Buying History?
Wednesday Sep 27, 2023
Wednesday Sep 27, 2023
Join us for a captivating episode of '15 Minutes with Paul Ward' as we delve into the intricacies of the real estate market. In this insightful discussion, Paul Ward, a seasoned real estate expert, unravels the nuances between two major housing choices: buying an existing home and embarking on the exciting journey of building a custom home. With his extensive knowledge of Ventura County's diverse neighborhoods, Paul sheds light on the pros and cons of each path, helping you make an informed decision tailored to your unique needs and aspirations. Whether you're a first-time homebuyer, a seasoned investor, or simply curious about the dynamic Ventura County housing landscape, this episode promises invaluable insights that will empower you in your real estate endeavors.
Watch the full episode on Paul’s YouTube channel.
0:00 Welcome to the Show
0:11 Today we will discuss whether you Should Buy a House or Build a House
0:32 If you’re buying a house, you can expect these things
0:47 If you’re building a house, you can expect these things
1:15 Considerations when Building
1:20 Building Cost and how to calculate an estimate of total cost
1:48 The Permitting Process and what it entails
3:11 Distance to Utilities and the importance of this
4:00 Why is the Fire Department important when building a home?
5:27 Soils testing: Why is it necessary and what to expect
6:13 Caissons and why these are important in your build
6:30 Cost of Construction vs Value of home once build is done
7:36 Is it worth it to build?
7:58 If the idea is to save money- what’s better? Paul even mentions “Fixer Uppers”
8:41 Paul’s final thoughts on Building Dreams or Buying History
9:07 Contact Paul via email: paul@homeandranchteam.com
9:12 Thank you to our sponsor: Opus Escrow
Related Episodes:
Where Are Real Estate Prices Headed in Ventura County?
Zoning Laws and Permits in Ventura County, CA
First Time Home Buyer Specialist Marianne Caprino
How to reach Paul:
805-479-5004
Check out our featured listings as well as other properties for sale in the area:
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.

Tuesday Sep 26, 2023
Where Are Real Estate Prices in Ventura County Headed?
Tuesday Sep 26, 2023
Tuesday Sep 26, 2023
As many people are aware, the real estate market has shifted dramatically since the beginning of 2020. In this episode, Paul couples his over 20 years of experience serving Ventura Couty in real estate with factual information to show us the trends over the last few years. You’ll also hear where Paul expects real estate prices to head in Ventura County as we look towards the future. Whether you’re in the market to buy, or just curious about the topic, you don’t want to miss this installment of 15 Minutes with Paul Ward
Watch the full episode complete with charts and guides on Paul’s YouTube channel.
0:00 Paul’s immediate thoughts on topic
1:00 Paul gives us 3 reasons why Ventura County prices surged starting in 2020
2:59 Paul shares stats to validate his take on the market
5:29 Paul explains how Supply and Demand in Ventura County is driving the prices
6:01 LA County has, “Decided to move up to Ventura County.”
7:38 Paul looks forward at what homes are planned for construction in Ventura County and numbers for single family, detached homes.
9:02 So what should you do if you’re looking to move to Ventura County?
9:36 What will happen once interest rates drop
10:06 Paul shares a recent experience with listing a home and how the market “corrected itself” before closing escrow
11:04 Paul’s advice on what to do now
12:03 Paul’s overall message about where real estate prices in Ventura County are headed
How to reach Paul:
805-479-5004
Check out our featured listings as well as other properties for sale in the area:
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 Sep 20, 2023
Colm FitzGerald - Deluxe Window Cleaning
Wednesday Sep 20, 2023
Wednesday Sep 20, 2023
Skilled tradesman Colm has been serving the Ventura County community since 2007. From windows to solar panels to rain gutters, entrepreneur Colm FitzGerald from Deluxe Window Cleaning has you and your home covered. In this episode you’ll discover the many benefits of professional window cleaning and learn how it can potentially boost the efficacy of your solar panels! During the interview you’ll pick up some tips of the trade and see the value of your windows in a whole new light.
Get in touch:
Colm FitzGerald | Owner
Deluxe Window Cleaning
Call/Test: 805-340-4159
Email: colm@deluxewindowcleaning.co
Instagram: @deluxewindowcleaning
Full episodes are always available on Paul’s YouTube channel. Don't forget to hit subscribe!
In this week's episode:
0:00 Introduction
0:55 Windows are an expensive home investment
2:06 Timeline for getting residential windows cleaned
4:20 Window cleaning is a skilled trade with professional results
6:00 Benefits of washing with purified water
6:24 Cleaning solar panels
6:48 The entrepreneurial story behind Colm’s window cleaning business
9:27 Colm’s favorite parts of the business
10:21 Increasing a home’s curb appeal when selling
12:00 Increased door and window functionality with a professional cleaning
12:42 Colm also cleans rain gutters
13:47 How to get in touch with Colm for a professional window, solar panel, or rain gutter cleaning
13:58 Increased solar panel production with proper cleaning
Related Episodes:
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. Supporting our sponsors ensures Farm Talk can provide listeners with the best possible episodes.

Wednesday Sep 13, 2023
Grains of Wisdom: A Conversation with Andrea Crawford of Roan Mills Bakery
Wednesday Sep 13, 2023
Wednesday Sep 13, 2023
Join host Paul Ward as he embarks on an enlightening journey into the world of sustainable agriculture in the heart of California. In this captivating episode of "Farm Talk," Paul sits down with the visionary Andrea Crawford, the founder and driving force behind Roan Mills Bakery and Kenter Canyon Farms, nestled in the scenic landscapes of Fillmore, CA.
Andrea Crawford is not your average farmer; she's a pioneer in the realm of regenerative farming practices and heirloom grain cultivation. Her passion for preserving heritage grains and reviving traditional milling techniques has made her a beacon of inspiration for both aspiring farmers and food enthusiasts alike.
Tune in to discover how Andrea's dedication to biodiversity, soil health, and responsible farming methods is shaping the future of food production in California. Paul and Andrea delve into her journey, from her initial forays into farming to her successful establishment of Roan Mills, which has become a celebrated hub for artisanal grain milling and heirloom grain production.
Throughout the episode, you'll learn about:
- 1. The Roan Mills story: Explore Andrea's profound connection to the land and her commitment to sustainable agriculture.
- 2. Heritage grains and their significance: Discover the importance of preserving ancient grain varieties and the impact they have on our diets and ecosystems.
- 3. Regenerative farming practices: Gain insights into the innovative techniques and philosophies that Roan Mills employs to foster biodiversity and soil health.
- 4. Milling traditions: Dive into the fascinating world of stone milling, its historical significance, and the unique flavor profiles it imparts to Roan Mills' products.
- 5. Community and collaboration: Learn about Andrea's efforts to build a strong farming community and her collaborations with local chefs, bakers, and artisans who share her passion for quality ingredients.
This episode of "Farm Talk" is a testament to the power of sustainable farming, the importance of preserving agricultural heritage, and the dedication of individuals like Andrea Crawford in shaping a more responsible and flavorful future. Don't miss this engaging conversation between Paul Ward and Andrea Crawford as they explore the roots and future of Roan Mills.
Watch the full episode on Paul’s YouTube Channel
0:00 Introduction to show and to Andrea Crawford
0:22 The Farmer, Miller, Baker and Pasta Maker
0:58 The beginnings: A Backyard Gardener
1:48 How Andrea transitioned to a baker
3:04 How Chez Pannise Restaurant and Alice Waters fit into Andrea’s story
4:34 Andrea’s Ah-Ha moment
6:59 Wolfgang Puck backs Andrea’s idea
7:42 Andrea literally sails from Berkeley down to LA
8:42 Andrea makes the cover of the Sunday LA Times
10:38 Andrea is charmed by Larry Silverton to stick around
12:14 Is Andrea still maintaining the garden(s)?
13:15 The transition to the urban farming business and Kenter Canyon Farms
15:37 Andrea and her husband buy the ranch
16:17 Are they organic?
16:47 The transition to a bakery
17:43 Andrea starts milling her own grain
19:33 The operation is still out of Andrea’s kitchen
20:42 After the ground squirrels got cocky, the professionals are brought in and production multiplied
21:42 How they got into the wheat business
22:17 Andrea starts baking
24:19 Whole Foods and Farmers’ Markets change the game
26:35 A broad inventory, including pastas
27:46 What Farmers’ markets you can find Roan Mills Farms products at
28:10 Roan Mills Bakery days and hours of operation and what visitors can expect to find there
31:04 Roan Mills website
31:34 Andrea feeds the hungry with leftovers
32:10 Compostable Cellophane
32:49 Andrea explains the farm being regenerative
34:36 The menus change with the seasons and availability of what’s farmed
35:17 Where does the name Roan Mills come from
36:07 What’s next for Andrea and Roan Mills
37:15 Andrea explains what working for them looks like and how it keeps morale up
38:19 Thank you to our sponsor: Opus Escrow
Related Episodes:
Organic & Sustainable Hop Farming in Fillmore, CA with Mollie Engelhart
Alex Frecker and Frecker Farms: Certified Organic Row Crops
Sage Brews- A Female Owned Organic Brewery
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 Aug 30, 2023
15 Minutes with Paul Ward - Zwaag Termite Control (Part 1)
Wednesday Aug 30, 2023
Wednesday Aug 30, 2023
15 Minutes with Paul Ward - Steve Vanderzwaag of Zwaag Termite Control (Part 1)
Termite damage will scare off even the most enthusiastic buyer but Steve Vanderzwaag, proprietor of Zwaag Termite Control, has fought the tiny home destroyers for over 20 years. Steve has so much information to share, Paul had to extend this episode into a second part!
Steve estimates he has crawled through over 15,000 crawl spaces in over 20 years in business. Steve knows his way around a fumigation tent and a heat treatment - but which one does he recommend? The answer might surprise you!
Discover why Zwaag Termite Control is the only pest control company Paul recommends in part one of this series:
- How Steve got started in the industry over 20 years ago
- Termite damage vs dry rot damage,
- When most tenting treatment takes place
- The importance of getting a termite inspection done before listing a home for sale
Check out Paul's interview with Steve Vanderzwaag on YouTube!
_____________________
Get in touch!
Zwaag Termite Control
805-383-9900 or
805-526-7040
Call Today for a Free Estimate or Inspection Request
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! 15 Minutes with Paul Ward would not be possible without the support of our sponsors, Opus Escrow and Community West Bank. Supporting our sponsors ensures 15 Minutes with Paul Ward can provide listeners with the best possible episodes.

Wednesday Aug 23, 2023
VA Loans in Today’s Economy with Chris James
Wednesday Aug 23, 2023
Wednesday Aug 23, 2023
A brokerage in Westlake Village, CA for a little over 15 years, Pacific Oaks Mortgage has the opportunity to work with various lenders to help find a loan program that best fits the borrower’s needs. In this episode, Paul sits down with Chris James, a Loan Specialist with Pacific Oaks Mortgage to discuss VA Loans. Chris helps us understand who qualifies for a VA Loan, shares some information about different programs designed specifically for Veterans, gives us insight on current interest rates, and so much more.
Get in touch:
Chris James
Pacific Oaks Mortgage Team
Cell: 818-292-1260
chrisjames@pacificoaksmortgage.com
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 Introduction
0:40 Who is Pacific Oaks Mortgage?
1:12 With 100 large investors, Pacific Oaks Mortgage can get the borrow the best possible rate available
1:55 Who specifically qualifies for a VA Loan
2:15 How much money does a Veteran buyer have to put down on their loan?
2:43 The lowest a Veteran’s FICO score can be to qualify
3:31 The Temporary BuyDown Program and how it benefits a Veteran
4:40 Chris tells us about the preapproval process for a VA Loan
6:44 Current interest rates on VA Loans
7:35 Chris talks about the different ways to structure a BuyDown loan.
8:30 More benefits of the BuyDown Program
9:35 Stats on current homeowner’s interest rates
10:05 Overbidding and Higher Prices with lower interest rates vs Higher interest rates, more affordable home prices, and refinancing later
10:35 Other programs that Pacific Oaks Mortgage offers
11:14 “Piggyback HELOC mortgages” & One Time VA Construction Loans
13:29 Programs available to help a Veteran even with increased interest rates
13:46 How to contact Chris James
_
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 sponsors, Opus Escrow. Supporting our sponsors ensures Farm Talk can provide listeners with the best possible episodes.

Wednesday Aug 16, 2023
Sage Brews- A Female Owned Organic Brewery
Wednesday Aug 16, 2023
Wednesday Aug 16, 2023
In the heart of Ventura County, Kim Rice, a lady brewmaster, has been hard at work turning seasonal organic produce and local organic hops into unique beer and kombucha flavors - including Boozy Booch. Not often thought of as an agricultural product, Sage Brews is dedicated to using organic and local ingredients and practicing regenerative farming to produce some truly impressive results. In this episode, Paul discovers more about regenerative farming, wet hops, and the exciting future in store for Sage Brews. Discover Kim’s journey to brewmaster, how kombucha is different from beer, and how to turn strawberries into a best-selling blond beer.
Watch the full episode on Paul’s YouTube Channel
0:00 Introducing lady brewmaster, Kim Rice, from Sage Brews in
2:00 Making organic beer with ingredients sourced in southern California,
3:11 Sage Brews is one of few breweries growing their own hops.
4:30 What are WET hops and why are they important?
5:56 The specialness and vibrancy of once-a-year wet hop brewed beer.
6:38 A third of Sage Brews production is fresh kombucha made with local ingredients.
7:35 What differentiates kombucha from beer?
9:25 Seasonal produce determines available beer and kombucha flavors.
9:43 How Sage Brews incorporates regenerative farming practices in their hop yard.
11:39 The origin of Kiss The Ground beer.
13:33 Life as a lady brewmaster in a traditionally male dominated industry.
14:43 The exciting future of Sage Brews (hint: Texas & Los Angeles).
17:17 How people can enjoy beverages produced by Sage Brews.
18:16 Kim Rice’s journey to brewmaster.
20:59 Sage Brews is an award winning brewery!
21:36 Which inventive flavors are people drawn to?
23:28 Turning strawberries into an ale.
26:00 Paul’s Garden of Eden is a compost bin.
26:47 Turning restaurant food waste and spent grain from the brewery into a regenerative cycle.
Related Episodes:
Organic & Sustainable Hop Farming in Fillmore, CA with Mollie Engelhart
Interview with Chef Mollie Engelhart of Sow a Heart Farm
Hilary Boynton - Founder of School of Lunch
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 Aug 09, 2023
15 Minutes with Paul Ward - First Time Home Buyer Specialist, Marianne Caprino
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
Dr. Katie Nenneker from Nenn Equine
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
Are Appraisals Always Accurate?
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
_
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.

