Special offer

ATTENTION VENTURA COUNTY HOME BUYERS: Wonderful Riverwalk Home Available for 100% Financing

Mortgage and Lending with Los Angeles & Ventura Counties in CA


Founded in 1888 by the Superintendent of Southern Pacific Railroad, Jerome A. Fillmore, Fillmore had less than a 100 residents back then.  The residents and the town were sustained by the "Orange Rush" of the late 1800's and the commercial production and distribution of oranges by what would eventually become Sunkist Growers.  Fillmore's first orange packing house was built and purchased for $50.


Today, Fillmore still has a small-town atmosphere with a population of less than 16,000 residents. The nearby farms are still predominantly agriculture with most agricultural industry being related to orange, lemon, avocado orchard farming and packing and, more recently, tree farming.

The town's relatively remote location away from urban sprawl of Ventura and neighboring Los Angeles counties has helped preserve this atmosphere.  Located in the Santa Clara River Valley, just below the Los Padres National Forest, Fillmore is still part of Ventura county's agricultural belt and sits off the highway 126 between highways 33 and 23 and still has a train depot served by the Fillmore & Western Railway.


One of the best things about Fillmore is that the entire city is eligible for 100% financing through the USDA Guaranteed Rural Home Loan program.  The USDA Rural Guaranteed program extends 100% financing opportunities to help low-medium income residents purchase homes with no down payment required and no monthly mortgage insurance.

This program is only available in designated USDA eligible areas.  There are also income limit guidelines that applicants must qualify for to be eligible to apply.  These income limits are based on 115% of the median income for that county as well as family size.


This beautiful 4bd/3ba with more than 2,500 sq. ft. of living space is definitely the best bang for your buck around here.  

Furthermore, this is not some dumpy REO or a short sale or another home that needs a lot of work.  This is a fantastic, move-in ready home with motivated sellers offering a 3% credit towards buyers closing costs.

With an incredible backyard for entertaining, this wonderful home backs up to open space and the Santa Clara River with some fantastic mountain views with neighbors on only one side.  Comparable rents in this neighborhood for similar properties runs from $2,200 - $2,400 a month.  For less than $2,000 (PIT – no MI) a month, you could own this little piece of the country just outside of the city.


Today's real estate market can be really scary, which is why it's important to get as much information as possible before starting your search.  Finding out more about affordable home loan options and getting pre-approved is an absolute must.

The pre-approval process is not a simple process and it's because it can get really complicated and convoluted that borrowers today need affordable loan options that are best suited for their own needs.

That's what I'm here for and I would love to be able to assist you in your search for an affordable home loan here in Ventura county.  Applications for this program can only be submitted by approved lenders; for more information on the USDA Rural program guidelines and eligibility, please feel free to contact me, Donne Knudsen at donne4loans@earthlink.net or at 805.2069123.

Posted by



 Donne Knudsen

Realtor® - CalState Realty Services

DRE#: 01364050 / NMLS#: 249822 




E-mail   My Blog  

Serving low-medium income individuals and families as well as first time buyers with both their real estate as well as their mortgage needs including down payment assistance

Los Angeles County  --  Ventura County

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Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi
NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656 - New Lenox, IL
708.921.6331 - 40+ yrs experience

Sounds like a winner, Donne!  And 100% financing??  Fantastic opportunity.  Pair that with the opportunity to work with YOU ... and you have the perfect transaction for any homeowner!

Hoping for a great New Year ...


Dec 20, 2011 11:15 AM
Sidney Kutchuk - Realty Works Temecula Kutchuk - Realty Works Temecula
Realty Works Temecula - Temecula, CA
Realty Works Temecula

Donne:  This is a really great home and all of your financing info is sure to help buyers right now!

Dec 20, 2011 02:36 PM
Emily Medvec
eXp Realty LLC - Santa Fe, NM
Broker | Realtor | Serving Santa Fe & Northern NM

Donne, oranges, railroads and communities did certainly go together in our American economic history. I like the way you told this story about Fillmore past and present. Have a terrific holiday. Emily 

Dec 21, 2011 12:59 AM
Donne Knudsen
Los Angeles & Ventura Counties in CA - Simi Valley, CA
CalState Realty Services

Gene - We don't have a lot of USDA eligible areas around here but the few we do are some really nice areas.  I love doing these loans because they are such great loans to do and really enjoy doing the few that I do.

Jane - I hope it does!  This is a great property!

Emily - Fillmore is truly a small town on the outskirts of the big cities.  For anyone looking for an affordable place to live - Fillmore is definitely a great place to live!

Thx for stopping by everyone; I really do appreciate it.  Have a good day everyone and a wonderful week and a fantastic Christmas holiday too!  :)

Dec 21, 2011 05:30 AM
Connie Harvey
Pilkerton Realtors - Brentwood, TN
Realtor - Nashville TN Real Estate

Donna, Fillmore sounds like a lovely place to live. Just stopped by to wish you a very Merry Christmas and thank you for subscribing to my blog!

Dec 21, 2011 06:36 AM
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of the Manchester NH's area Leading Agents

Donne that sounds like a fantastic place to live, Sunshine and fresh oranges sounds delightful on this cold night. USDA is a great program for buyers. have a great evening

Dec 21, 2011 10:58 AM
Donne Knudsen
Los Angeles & Ventura Counties in CA - Simi Valley, CA
CalState Realty Services

Connie - It really is for those who don't want to live in the city and don't mind a short commute home.  It really is a small town on the outskirts of the city.

Scott - We don't have a lot of USDA eligible areas here in Los Angeles & Ventura counties but the few areas we do have a truly nice places to live.  I don't get to do a lot of these loans but have always enjoyed the ones that I do get to do.

Thx for stopping by folks; I really do appreciate it.  Have a good day and a wonderful holiday too!

Seasons Greetings

Dec 22, 2011 06:51 AM