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Kathy Stoltman
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Linda Piper
NMLS 424824 I help my clients find just the right loan program to purchase a home or refinance their existing home loan. I work hard and pay attention to the details!
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Ventura, CA Real Estate News

By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
For the better part of the last two weeks, Southern California has been under siege. So far, fire destroyed thousands of homes, displacing hundreds of thousands of people and their pets. It has been heartbreaking to see so many people affected by this. With more wind expected this week, firefighters will have their hands full trying to contain the wildfires as much as possible. If you want to help the victims of the Southern California wildfires, there are some ways that are more helpful than others. Please read on to find out more.Southern California Wildfires: How You Can HelpMany people donate food and clothing right away when a disaster strikes. While the thought behind that is sound, the reality is that this may not be your best course of action. Unfortunately, it can be difficult ...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
New year. New home? If buying a Ventura home in 2025 made it to your resolution list, you might want to start working on your credit score now. Why? I can take several weeks to a few months to bring a score up. And to net the best interest rates, you need to get your score in tip-top shape.Tips to Improve Your Credit Score in 2025Pull Your Credit ReportFirst things first. It helps to know where you stand at the moment. Go to AnnualCreditReport.com to obtain a copy of your current report from all three major credit reporting agencies: TransUnion, Experian, and Equifax. They used to only offer one free report a year. However, they currently allow one free report per week from each agency. Thoroughly look over each report.Dispute Erroneous InformationFirst, start with fixing any errors you...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
Only eight more shopping days until Christmas. Can you believe it? And this year, Hanukkah begins on the evening of December 25th. That gives us double the reason to celebrate. Here are a few of the Ventura Harbor holiday fun events still to come before the year ends.Ventura Harbor Holiday Fun 2024Santa PaddleEven Santa enjoys a bit of paddle-boarding through the harbor. Dress up in your best Santa garb. Grab your paddleboard. Then head to Ventura Harbor Village on Saturday, December 21st.. Go for a paddleboard adventure with the jolly old elf himself between 11 am and noon. Don't have a paddleboard? Lack the coordination (or the nerve) to paddle out on a paddleboard? Don't worry. Ventura Boat Rentals offers paddleboard, kayaks, and even pedal boats for rent (Dock C-10). Whomever is dee...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
We hope everyone enjoyed time with their loved ones on Thanksgiving. Now it's time to focus on the next big holiday: Christmas. We ask that you continue the good cheer for those less fortunate in our community by participating in the 13th annual Ventura Can-Tree event.What: Ventura Can-Tree 2024Where: Figueroa Plaza, Downtown VenturaWhen: December 5th to 9thContact: Food Share of Ventura (805) 983-7100Ventura Can-Tree 2024According to the County of Ventura's Human Services Agency, more than 70,000 people in Ventura County experience food insecurity each and every day. Our food pantries have seen an uptick in people who come to their facilities for assistance. Now in it's 13th year, Food Share Ventura's Can-Tree event offers a fun way to help feed people during the holiday season.How You...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
In just ten days, we celebrate Thanksgiving. Since it falls so late this year, that means less than four weeks to get your Christmas shopping done. In fact, just 26 shopping days left after Thanksgiving to be precise. While many people set out early for Black Friday deals or wait for Cyber Monday to get their shopping done, you can help out our local "Mom and Pop" shops by shopping Small Business Saturday Ventura on November 30th.Small Business Saturday VenturaVentura Harbor Village's Small Business SaturdayFirst, make sure you stop at the Village's visitor booth to sign up for their e-newsletter and receive a gift card to one of the shops. Spend $40 at Treasure Cove and receive a free gift. Make a candle, enjoy some refreshments, and shop for someone special at the Barefoot Boutique an...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
Halloween takes place this Thursday. After that, 'tis the season to give thanks. That can happen in a variety of ways. Donating to charity is one of them. The Ventura Pottery Market and Bowl of Thanks event provides a fantastic opportunity to do that very thing.What: Ventura Pottery Market & Bowl of Thanks 2024Where: Ventura Pottery Gallery at Ventura Harbor VillageWhen: Sat & Sun, November 9th & 10th from 10 am to 5 pmAdmission: $25 per bowl Contact: Ventura Pottery Gallery (805) 644-6800Ventura Pottery Market & Bowl of Thanks 2024The Ventura Pottery Gallery showcases the talents of local Pottery Guild members each and every day. However, with their annual pottery market, they also spotlight a local charity: Food Share Ventura County. Thanksgiving celebrations tend to focus on the food...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
With the ocean as a backdrop, how can artists not be inspired to create? Encourage a love of the arts within your child by bringing them to the Ventura Art and Chalk Festival 2024. Show them how art can be both fun and interactive right at the beach.What: Ventura Art and Chalk Festival 2024Where: Ventura Harbor Village (1583 Spinnaker Dr)When: September 14th & 15th, from 10 am to 5 pmAdmission: FREEVentura Art and Chalk Festival 2024Come see the beautiful creations of more than 50 talented local artists at the Ventura Harbor Village. What makes this festival different from others? While paint, metal work, glass, and photographs line the sidewalks, this festival features artistic masterpieces created solely using chalk. And some of those masterpieces are created right before your very ey...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
Ventura Unified School District students went back to school last week. But the calendar still says "summer". And what do we do here in Ventura during the summer? We head to the beach. Thankfully, organizers of the Aloha Beach Festival 2024 think it's still to early to say good-bye to summer. That's why their festival takes place later this month.What: Aloha Beach Festival 2024Where: Surfers Point Promenade Park (Figueroa & Shoreline, Ventura)When: August 31st & September 1st from 10 am to 8 pm dailyAdmission: FREEContact: Call (805) 200-8674 or via emailAloha Beach Festival 2024Founder Chip Bell, aka "Chipper Bro", wanted to bring a bit of Hawaii to Southern California while giving back to the local community. This festival brings music, food, information, and a sense of community to V...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
Summertime means one thing. The Ventura County Fair 2024 is in town. That's right. The fair is happening now and ends this Sunday, August 11th. You only have a few more days to enjoy one of the biggest events of the year!What: Ventura County Fair 2024Where: Ventura County Fairgrounds (10 W Harbor Blvd)When: Now through August 11thAdmission: $15.50 to $45.50 Contact: Ventura County Fairgrounds (805) 648-3376Ventura County Fair 2024When I say "county fair", what comes to mind first? Food? Music? Rodeos? Live entertainment? The Ventura County Fair has this and so much more! Every day from 12 pm to 12 am, the fairgrounds welcome people from all over the Southern California area and beyond. Dozens of vendors sell their special fair-only merchandise each day. Enjoy magic shows, live dancers, ...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
Temperatures aren't the only things getting hot out here. Summertime fun heats up this time of year as well. Come enjoy some family fun with Ventura movies under the stars and a music festival for all ages in July.Ventura Movies Under the StarsVentura Harbor Village hosts a movie night under the stars one Saturday a month during the summer. This month's selection? "Barbie". The movie begins at sunset (around 8 pm). However, organizers strongly suggest showing up early. But no one just hangs around waiting for the movie to start. DJ Pepper starts the night off right with some hoppin' tunes at 6:15 pm. Then, the Barbie & Ken costume contest takes place. (Expect to see a sea of pink throughout the event space.) Visit one of the great eateries located at the Village for a delicious dinner t...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
It's a buyer's market in Ventura right now. Any home seller tips that may give you an edge sounds good for anyone thinking about putting their property on the market. Here are a few smaller things that may hinder your home sale. Plus, we included what you need to do to change them into positives.Home Seller Tips: Small Things That May Hinder Your SaleEliminate/Reduce ClutterWe talked about decluttering your Ventura home before placing it on the market before. However, we don't want you to limit that to just the areas you see right away (such as countertops, shelves, etc.). You also need to address your bedroom closets. Pare down your wardrobe to eight or nine days worth of clothes. Limit your shoe collection to just two or three pairs per person. Accessories also need to be extremely li...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
With Memorial Day firmly in our rearview mirror, we need to focus on the summer months ahead. Our Ventura County beaches usually fill up pretty quickly every day. And there is usually something happening each weekend here. For example, this weekend brings the Ventura Outrigger Challenge 2024 to our shores.What: Ventura Outrigger Challenge 2024Where: Harbor Cove Beach (872 E Front St #200, Ventura)When: Saturday, June 8th, 7:15 am to 1:00 pmAdmission: FREEVentura Outrigger Challenge 2024The Outrigger Challenge consists of six-man teams who race in these long canoes with stabilizing supports (known as "outriggers") on the open ocean. Various age groups compete against each other, including novice, junior, women, and men. Novices and juniors run the short course while men and women compete...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
May 20th is National Pick Strawberries Day. We learned a few interesting facts about the strawberry that we would love to share. For example, did you know that the strawberry is actually part of the rose family? (The Rosacaeae family to be precise.) A cup of strawberries contains more Vitamin C than a medium orange. California grows approximately 80% of all strawberries produced in the entire United States. So, it makes sense that the Ventura Strawberry Festival takes place later this month.What: Ventura Strawberry Festival 2024Where: Ventura Fairgrounds (10 W Harbor Blvd)When: May 18th (10 am to 7:30 pm) & May 19th (10 am to 6:30 pm)Admission: $8 to $15 per person per dayContact: Strawberry Festival contact formVentura Strawberry Festival 2024This festival is one of the most popular fe...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
The very first Earth Day took place back in April of 1970. It has been officially recognized on April 22nd of every year since. What began as a simple way to bring awareness to our role in the health of our planet has grown into a nationwide campaign. Each year's festivities get bigger and bigger. Since April 22nd falls on a Monday this year, organizers of Ventura Earth Day 2024 decided to hold this year's event on the Saturday before.What: Ventura Earth Day Celebration 2024Where: Plaza Park on Thompson Blvd.When: Saturday, April 20th, 11 am to 4 pmAdmission: FREEVentura Earth Day Celebration 2024The City of Ventura partnered with the Merito Foundation to host this year's Earth Day event here in Ventura. The Multicultural Education for Resources Issues Threatening Oceans Foundation (aka...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
Can you believe that it's already April 1st? It feels like we just welcomed in the new year. But it's already spring (not that you could tell by all of the rain we had over the weekend). Thankfully, the weatherman predicts sunny days ahead. Good thing, too, because the VC Art Market is now in full effect.What: VC Art Market 2024Where: California & Main, Downtown VenturaWhen: From 11 am to 5 pm on the 2nd Saturday of the Month through DecemberAdmission: FREEVC Art Market 2024Since 2016, artists from all over the area gathered at the corner of California Street and Main Street in Downtown Ventura. The art market hosts more than 20 local artists and makers on the second Saturday of the month. Here, you'll find various artwork in a wide variety of mediums: paintings, ceramics, metalworks, l...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
Easter Sunday falls on March 31st this year. But the Easter Bunny himself promised to come to Plaza Park a week early. He wants to offer Ventura children a chance to practice for the official big day. How? By participating in the Ventura Easter Egg Hunt.What: Ventura Easter Egg Hunt 2024Where: Plaza Park, Downtown VenturaWhen: Saturday, March 23rd from 10 am to 5 pmAdmission: Free (pre-registration required)Ventura Easter Egg Hunt 2024Organizers divided the official hunt up into four different age groups. First up? Kids of all ages who happen to have a disability start things off with their hunt at 10 am. Next, kids ages 0 to two search for eggs at 10:45 am. After that, kids ages three to five get their crack at the hunt starting at 11:30 am. At 12:15 pm, kids ages six to eight get to r...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
Mermaids have tickled our imaginations for decades. From the Syrian Goddess Atargatis (the first official "mermaid" circa 1000 BC) to Arial in Disney's "The Little Mermaid", millions of people worldwide celebrate these magical creatures. You, too, can bring your inner mermaid out at throughout March when you participate in Ventura Mermaid Month 2024 at the Ventura Harbor Village.Ventura Mermaid Month 2024Meet a Real Live MermaidCome to the Village on from 12 pm to 3 pm on March 16th and 23rd to see a real mermaid live and in person. Make sure you bring your camera with you. These lovely ladies would love to take a picture with you.Dance, Dance, DanceYou might ask "how does a mermaid dance if she doesn't have any legs?" Well, the only way to find out is to come to the Mermaid dance party...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
With all of the rain we've had lately here in Southern California, it's hard to believe that spring is just around the corner. But it's never too early to start planning your next remodel or upgrade. Fortunately, the Ventura Home Improvement Expo 2024 wants to help you with all your remodeling plans in one convenient location.What: Ventura Home Improvement Expo 2024Where: Ventura County FairgroundsWhen: February 23rd to 25thAdmission: Free with couponContact: Paul Smith, On the Edge Promotions (714-931-3600) or via emailVentura Home Improvement Expo 2024For three whole days, hundreds of vendors fill the Ventura County Fairgrounds. They offer ideas, tips, and great deals for all budgets and personal styles. Whether you want to make a few updates to prepare your home to sell or simply fee...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
Was working on your fitness one of your New Year's resolutions? Have you ever had your eyes set on running in the Boston Marathon? A good way to get there is by signing up for the Ventura Marathon 2024.What: Ventura Marathon 2024Where: Ojai Valley to Surfer's Point in VenturaWhen: Sunday February 24th, 2024Contact: Ventura Marathon emailVentura Marathon 2024The Ventura Marathon acts as a Boston Marathon qualifier. To qualify for the ultra-competitive Boston Marathon in April, runners must be at least 18 years old and complete one marathon in the previous year within specific time frames. For ages 18-34, you must finish in 3 hours for men and 3 hours 30 minutes for women. Ages 35 to 39 get an additional five minutes from that time. For runners ages 40 to 44, add another five minutes to t...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
Lenders offer a variety of loans to choose from when purchasing a Ventura home. The three most common loans are conventional, VA, and FHA. For credit-challenged buyers, an FHA loan may be their most viable option.FHA Loan ExplainedGovernment Backed LoanThese loans are insured by the government. However, the government does not, in fact, actually issue any money for loans. What does that mean? Well with conventional loans, the lender assumes all of the risk. But with government-backed loans, the lender receives protection in case the buyer defaults on their loan. That is why their terms tend to favor those home buyers on the lower end of the credit spectrum.Lower Minimum Credit ScoreTypically, lower credit scores mean higher interest rates. An extremely low score may mean an outright rej...
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By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
Happy New Year! We certainly hope everyone enjoyed the holidays. According to Forbes Health, the #1 New Year's resolution people set is to improve their fitness. If that falls at the top of your list, then you might want to join the Ventura Seaside Marathon 2024 later this month.What: Ventura Seaside Marathon 2024Where: Emma Wood Group Campground (800 W Main St., Ventura)When: Sunday, January 28th, 7 amAdmission: $55 to $120Contact: Seaside Marathon (805) 258-3779 or via emailVentura Seaside Marathon 2024Fortunately, organizers of this popular running event wanted as many people to join as possible. So, whether you consider yourself a beginner or a well-seasoned athlete, they offer something for everyone. For example, not quite feeling up to the full 26.2 miles? Try the 13.1 mile half m...
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