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Dave & Pat Zumbrun

(805) 340-9338

Pat Zumbrun
Email Pat at  
Cell: (805) 340-9338
BRE #01229401

Dave Zumbrun
Email Dave  at
Cell: (805) 340-9339
BRE #01227683

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440 Frances St. - Ventura, CA - 3 Bed/2 Bath Home for Sale

SOLD! $775,000
440 Frances St. – Ventura, CA
3 Bed/2 Bath


Under Contract - 1205 Church St
SOLD! $2,415,000
2305 Church St.
Ventura, CA
Gorgeous View Home on 1.86 acres

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Monthly Archives: April 2021

CalHFA Helps First-Time Homebuyers in California

Buying your first house may leave you feeling overwhelmed. Before you search for a Ventura home you love, you must find a real estate agent you trust, save for a down payment and closing costs, get approved for a loan, and make sure you are ready for the first year of homeownership. The CalHFA helps homebuyers in California purchase their first home.

CalHFA helps first-time buyers purchase their homes in California with six different loan options. Restrictions apply.

California Housing Finance Agency (CalHFA)

Requirements to Qualify

Search Ventura County homes for saleTo even be considered for one of California Housing Finance Agency’s loans, buyers must meet certain requirements. First, you must be a first-time homebuyer. That means that you either never owned a home before or you have not owned one in the previous three years. Secondly, your credit score below 660 (for conventional low-income rate) or 680 (for conventional standard rate). Then, your debt-to-income ratio must not exceed 43% to 45%, depending on the type of underwriting used. CalHFA puts an income cap on loan applicants depending on where they wish to purchase a home. Only US citizens, permanent residents, or qualified aliens may apply. Finally, all applicants must attend and complete a home-buying course.

Property Qualifications

In order for a property to qualify for a CalHFA loan, it needs to meet certain requirements. First, the sale price cannot exceed $765,000. Next, it must be located within the California state limits. Also, it must be the buyer’s primary residence. Finally, they only allow single-family homes on no more than five acres of land. In some cases, a condo, guest home, or manufactured home may qualify.

Types of Loans Offered

  • CalHFA FHA Program – 30-year fixed-rate loan. Must meet FHA’s requirements as well.
  • CalPLUS FHA Program – Slightly higher rate than a regular FHA loan but can be combined with other assistance programs.
  • CalFHA VA Program – 30-year fixed-rate loan for current and former members of the military. Must meet VA’s requirements as well.
  • CalFHA Conventional Program – 30-year fixed-rate loan that includes PMI.
  • CalPLUS Conventional Program – Also a slightly higher rate than a regular conventional loan but can be combined with other assistance programs.

Dave & Pat Zumbrun, your Ventura County real estate specialists

Ventura Fire Hazard Reduction Plan

It seems like we battle wildfires here in California every single year. Our dry weather makes us vulnerable to these. Now that temperatures have begun to warm up, our chances of wildfires increases. To help protect your Ventura home as well as those of your neighbors, the City created a Ventura Fire Hazard Reduction Plan.

With wildfire season quickly approaching, City officials implemented the Ventura Fire Hazard Reduction Plan to over 6500 homeowners with properties in the most vulnerable areas.

Ventura Fire Hazard Reduction Plan (FHRP)

Search Ventura County homes for saleEarlier this month, Ventura sent out letters to over 6500 homeowners outlining their Fire Hazard Reduction Plan. The City gives these homeowners until May 18th to clear up their property. The plan breaks down fire hazard reduction into two zones. Zone 1 focuses on the residence and the surrounding area up to 30 feet from it in all directions. Zone 2 extends from 30 feet out to 100 feet (or the property line, whichever falls closer).

Zone 1 FHRP

The City’s Fire Hazard Reduction Plan for Zone 1 calls for clearing out the chimney and roof of any flammable debris. Homeowners must also clear leaves, dead vegetation, and other debris around and under the residence (decks, patios, etc.). Limit ground cover and shrubs to groupings no larger than 10 feet in diameter and spaced at least five feet from other groupings. Keep wood piles more than 30 feet from your residence.

Zone 2 FHRP

To continue to protect each resident’s property, the FHRP continues into Zone 2 (30 to 100 feet around the main residence). Grass needs to be no longer than 4″. Clear any limbs within five feet of the ground or at least one-third of its height for any trees, shrubs, or hedges more than six feet tall. Any piles of wood must maintain a 10-foot clearance from any other shrubbery, trees, or ground cover. In other words, clear a 10-foot perimeter around each wood pile down to the dirt. Ground cover and shrubs must also be spaced at least five feet from other groupings. Dispose of any dead or dying wood.


Remove and dispose of stumps. Keep fire hydrants clear of any vegetation or debris within three feet of it. Install a metal screen around chimneys and stovepipe openings that includes at 3/8″ to 1/2″ openings to prevent large debris from flying out. Finally, install numbers on your residence that can be easily seen from the street. This makes it easier for emergency vehicles to identify/locate homes.

As long as we all do our part, we stand a much better chance of making it through wildfire season relatively unscathed. For more information about the Ventura Fire Hazard Reduction Plan, please download a copy of the plan here.

Dave & Pat Zumbrun, your Ventura County real estate specialists

Outdoor Living Space Ideas That Buyers Like

Today’s Ventura homebuyer looks for a good home office space (among other things) inside a property. But they also appreciate a nice outdoor living area. After all, being stuck inside our homes for most of 2020 really showed us that we need as much space as possible. Thankfully, Southern California weather permits outdoor living pretty much year-round. If you want to appeal to buyers in the future, consider incorporating some of these outdoor living space ideas.

Before you put your Ventura County home on the market, think about sprucing up/creating an outdoor living space that appeals to today's buyers.

Outdoor Living Space Ideas

A Cozy Firepit

Search Ventura County homes for saleAs the evening cools off, people enjoy spending time around a roaring fire. Roasting marshmallows. Swapping stories. In general, spending time with each other outside of a viewing screen. In fact, people craved this so much last year that firepits sold out well before fall came in. Think about adding a firepit to your outdoor living space that includes comfy seating for several people around it. After all, things are starting to open up again. And when it does, you know that you will want to invite people over to entertain.

Install a Second Kitchen

Speaking of entertaining, a second kitchen is another outdoor living space idea to consider. A simple barbecue is fine. But for really entertaining, you need an entire kitchen. This should include a nice grill and (possibly) a smoker. Gas hookups, a refrigerator/freezer, and even a sink will make your Ventura home the envy of the neighborhood. Plus, it keeps your kitchen from heating up during those hot summer days.

Swimming Pool

Another part of outdoor living space in Southern California is a swimming pool. They do not have to be six or eight feet deep either. A nice lap pool still allows you to exercise or simply cool off when temperatures hit those high notes. And make sure there is plenty of shaded seating area around the pool, too.

Storage Shed

We all could use as much storage as possible. Keep clutter at bay by installing a storage shed. This gives you extra room to store away tools, lawnmowers, bicycles, and other yard implements out of sight. Buyers love to see additional storage already added to a property.

Water Features

Water features always feel inviting in an outdoor living space. They can be added onto a wall or included as a stand-alone feature. Kits to create your own unique water feature can be found at most home improvement stores or online.

Updated/Extra Lighting

An outdoor living space is meant to be enjoyed both day and night. Therefore, you need to make sure your lighting is up to par. Colored lights help set a mood. Garden lights add soft light throughout the backyard. Consider utilizing eco-friendly solar lights to help light up your walkways in the backyard as well.

Don’t Forget the Front Porch

Finally, do not forget about your front porch. It is also an outdoor living space. Spruce it up with padded seats, plants, and a lovely water feature. And always makes sure it is adequately lit at night.

Dave & Pat Zumbrun, your Ventura County real estate specialists