Marc is looking forward to
hearing from you and listening to you about all your homeownership
and investment dreams.Together you can work
to make them a reality!!!
Office 831-375-9702
Cell 831-521-1884
Website: www.hybrid-realty.com
E-mail:
marc@hybrid-realty.com
Carol Sumner/REALTOR®: A Realtor® with over 20 years experience, Carol
represents both buyers and sellers of residential 1-4 unit income
property and horse properties, ranging from a home with facilities
suitable for a family to an equestrian estate or training center.
Her many happy clients range from 1st-time home buyers to seasoned
investors.
Carol says, “I enjoy helping people and I love real estate. There
are a variety of options in any situation involving real property
and the associated financing. Often it is helpful to talk with
someone who has experience in these matters, but is not
emotionally involved. I'm happy to serve as a sounding board or as
a source of help and professional assistance. “
Prior to becoming a Realtor®, Carol’s diverse and eclectic
sojourns have included the completion of a BA in a Humanities
Honors program, a JD received upon completion of law school, work
as a sub-rosa investigator for a fair housing non-profit and
several university level teaching positions. Carol has lived in
Santa Cruz County since 1996, where she owns and operates "Y-Knot
Ranch", a peaceful, private equestrian facility located in the
Aptos hills.
Phone & Fax: 831-688-8367
Email: cjsumner@cruzio.com
Ken Kulpa Loan
Officer/REALTOR®: I
started my career in Real Estate to help people, and I am happy
to help you and your family! I have been a Realtor for over
seven years, with an additional twelve years of experience in
media marketing. I began my real estate career with Century 21,
I later moved on to Coldwell Banker. Wanting to further help my
clients I joined RAM Real Estate & Financial Services to offer
full and complete real estate services.
Please remember I am one of the few, if not
the only licensed Realtor® & Loan Officer in the area that
specializes in the foreclosure market. As a loan officer I help
homeowners in default secure a new loan to get themselves back
on their feet financially. As a Realtor®, I help homeowners
facing foreclosure sell their home, and to sell it quickly. I
negotiate with the lenders to allow a successful sale, even if
the value of the home is less than what is owed to the bank, to
prevent the homeowners credit from being ruined for the next ten
years.
At RAM Real Estate & Financial Services I can
help you with the purchase or sale of any type of property;
residential, commercial, or land. I can also help you secure
financing for most any type of property; residential,
commercial, and land. I have many satisfied clients, and
encourage you to view my Testimonials. Besides helping my
clients with sales and loans, I also manage properties for
investors.
I am always ready to help. Please feel free to
call or email me at any time!
Cell 831-684-2000
kennethkulpa@yahoo.com
KenKulpa.com
Francisco "Paco" Bertomeu born in Rio de
Janeiro and raised in Curitiba, southern Brasil, Paco graduated
from the Federal Technical College of Paraná, his home state, in
Architectural design and was drafted into the Brazilian Army in
1967 as a paratrooper.
In 1970 he became a skydiving instructor,
founder and director of a skydiving club in his state, Paraná,
Southern Brazil. Paco has traveled several countries in Latin
America and Europe, and lived in Costa Brava, Catalunya (Spain).
His family is originally from Barcelona.
He moved to the U.S. in 1984 and lives in
Salinas with his native Californian wife, Kathy and their three
sons and daugthers-in-law, Paquitin and Jessica, Chris, Pieter
and Francine. Fluent in Spanish, Portuguese and English, he
joined CENTURY 21 - Red, White and Blue in 1995, and RAM Real
Estate in 2002 after the closing of Red, White and Blue,
specializing in finding the right property, from being your
dream home to fixer upper, income properties investment or first
time buyers.
paco@bertomeu.com
David Kops was born in New York City in 1966 and
instantly knew that Mortgages were his life long calling. Having
worked various jobs, and owning several small businesses he
finally made his way to the great state of California, where he
finally started his life long dream, “Real Estate”.
After a couple
of years with one of the Peninsula’s most respected agencies,
(Century 21) he felt that Mortgages were for him, and was
introduced to the “Legend” Bob. David learned all that he could
from the “Legend” as no one knew more than him, his education has
put him at the top of his profession.
After several years in
California he was asked to go to Florida and open an office for
the company, where he is now.
831-224-DAVE
(224-3283)
941-457-6892
david_kops@yahoo.com
Mugur Georgescu believes in being a
"personal" realtor who builds his business through referrals.
Having worked with many high-ranking executives in a fast paced
environment, he understands the importance of meeting deadlines
and exceptional service. Mugur believes in working with a few
clients at a time to ensure the level of personalized service he
strives for.
A successful background in managing and
remodeling properties has added to his ability to provide a full
service to his clients. His combined experience can help get the
best value for your real estate needs.
Mugur specializes in
providing superb service and representing his clients in the
purchases and sales of single-family residences and income
property within the Monterey Peninsula.
831-588-4379
mugurgreorscu@yahoo.com
Ferial Ardalan has joined RAM REAL
ESTATE AND FINANCIAL SERVICES from a versatile professional
background. In addition to her Real Estate education and degree,
Ferial is also a language major with a Master’s degree. Prior to
joining the Real Estate profession, Ferial served as a language
instructor at various academic institutes, colleges, and
universities, and also worked at the Corporate World in various
departments – Training, Public Relations, Relocations, and
Finance. Prior to her relocation to California in 1989, Ferial
was a Realtor at the Country Club Properties, in Stamford,
Connecticut, where she was commended for her dedication and
devotion to her clients as she made diligent efforts to follow
up on searching for the properties suitable to their needs
and/or to find suitable buyers for their properties she had
listed. Ferial is familiar with several foreign languages, and
has full knowledge of Persian-Farsi.
Since joining RAM Real Estate and Financial
Services, Ferial has been receiving routine training in mortgage
financing, which has prepared her to serve the clients
competently in the Real Estate transactions. Ferial’s public
relations skills and Real Estate experience, in conjunction with
her delicate taste and style in various fields of art -
painting, fashion, and decoration, have prepared her to be an
ideal Realtor. She is prepared to assist the home buyers and
sellers in their real estate choices and dealings wholeheartedly
and with the utmost sincerity and devotion.
Ferial can be reached at (831) 373-9779, or
(831) 277-7577.
Lourdes
Manila, My name is Lourdes, but you can call me Lou.
My Journey towards real estate investing has brought me to RAM
Real Estate and Financial Services to realize my dream. I bring
with me a diverse and colorful selection of careers all united
by the ultimate goal of outstanding customer satisfaction.
Most recently making the change from the high tech industry both
as top sales producer and stellar customer support, including
Latin America, this industry has developed my critical thinking
skills and provided me the ability to master automation.
As a graduate of “Metropolitan School” in
Mexico City I posses complete bilingual skills. Most recently as
loan processor for RAM Mortgage I have become intimately
acquainted with loans and their process, adding to the quality
of service you will benefit from and the many ways it can help
me help you in your Real Estate transactions.
Please call me directly @ 831-917-8306
Servicio en Espanol, con gusto!
Marc Paulhus Loan Officer/REALTOR®,
is originally from Montreal Canada. He first came to Monterey
fifteen years ago on a vacation and like most fell in love with
the peninsula and he has been here ever since! 
