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 Dino Erardi Realtor® Broker/Loan Business
Consultant with Ram Real Estate
and Financial Services. The best you can find to
help you make a smart Buy or clean Sale.
25 years of personal Real
Estate investment history includes 45 purchases
and resale’s all at a profit.
Residential Fixer Uppers [major or cosmetic],
New construction, and vacant land. Bank owned
pre and post foreclosures. I have arranged for
financing, bought,
repaired, developed and sold them all. Profiting
millions.
Based on [the numbers] comparative market
analysis or income approach I come to a
decision. I shop hard, buy tough and sell easy.
My philosophy is a smart buy makes for an easy
sale. I have done it for myself and for clients,
I can do it for you.
Now could be one of the best times to buy in
recent history inventories are huge buyer’s are
few credit and lending rules have hardened. To
me that spells opportunities call me I will help
you find a deal. That my skill and my thrill!
Dino Erardi has been helping smart
Buyer’s and Sellers use fundamental conservative
investment strategies to make winning decisions
for over 25 years. Buying, Selling, Financing ,
and Business Consultation.
I invite
you to call me today.
Dino Erardi Realtor® Broker/Loan Business
Consultant
831-383-2301
DRE #00968921
Email:
dinoerardirealtor@gmail.com
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Ian Wessel joined RAM Real Estate &
Financial Services at the start of 2007.
I came into real estate with
the philosophy that if I could help people
navigate though this difficult time in the
housing market, it would be as much of a public
service as a career. I want to prove that Real
Estate Agents and Mortgage Officers are here to
help and can offer the right wisdom in this
market.
Specializing in Real Estate and Mortgage for
both Commercial and Residential properties, I
pride myself on being able to help any clients
with any service they require. Today, there are
no easy deals and I enjoy the challenge of
getting things done where others can't. The
training and opportunities that RAM has provided
me with are my guiding light to helping you
achieve your goals in all aspects of the Real
Estate world. From purchases, to refinances, SBA
Loans, buying, selling, short sales,
foreclosures, or business opportunities, I am
here.
In addition to my work with real property, I
also participate in RAM Business Consulting. As
part of our diverse range of services, we offer
several opportunities to entrepreneurs, start
up, or later stage businesses that need funding
to fulfill their potential. The other members of
the consulting team and me will assist with
every stage of the process from executive
summaries/business plans, to Power Point
presentations, financial analysis and
forecasting, as well as actually connecting
clients with the investors that will make their
business ventures possible.
Email:
odysseyian@gmail.com
DRE #01780963
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 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
DRE # 01260128
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
DRE # 01215492
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.
DRE #01241011
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