Kenneth Kulpa
  • Aptos, CA
  • United States

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Short Sale declined as the family divorce is NOT a hardship?!?

Started Jul 11, 2012 0 Replies

HI All,   I need your advice and input.3 years ago I did a loan modification for a client, now they want to do a Short Sale, but the 1st lender (U.S. Bank) just now declined the short sale despite…Continue

Tags: Divorce, couple, for, help, Sale

What is the protocol of submitting offers to banks on Short Sales???

Started this discussion. Last reply by Donny Piwowarski Nov 1, 2011. 8 Replies

What is the protocol on delivering offers to the bank???My homeowner was facing foreclosure & I worked to get a legitimate offer for her house, albeit rather low.This low offer helped save the…Continue

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Profile Information

Areas You Service (be VERY specific specific and include ALL counties, cities, states, and towns you service!)
Santa Cruz County
Santa Cruz, Capitola, Watsonville, Boulder Creek, Felton, Brookdale, Soquel, Aptos, Ben Lomond, Freedom & more
Short Sale Designations and/or Special Training
SFR (Short Sales and Foreclosures Resource), Harris University Training (Of Some Kind), CSSS (Certified Short Sale Specialist), Equator Certified, HRC (Home Retention Consultant)
Short Sale Transactions Completed
Do you have any experience in Commercial Real Estate? If so, do you have the CCIM or any commercial designations? How many commercial transactions and dollar volume have you CLOSED?
About Me/Profile of yourself: - Please add your Brokerage Company name also!
I got into the business 12 years ago to help people and I did my first Short Sale in 2003 years before the market turned bad. I have been interviewed and featured in The Wall Street Journal & The Inman Report. I am well noted for helping clients who are facing foreclosure and eagerly love soing so.
Put in todays date! This is to help stop spammers!
August 1, 2011
PLEASE READ THIS!!! - This site is primarily for Realtors, REAL buyers or sellers with questions are welcome to ask, anyone here for other purposes may be banned. 1. Because this site is primarily for agents agents, Any soliciting is pointless and is not allowed. Please do not sell or promote products or services in any way, directly or indirectly. Do not link or sneak in links promoting your services on comments, posts, discussions or blogs. You may have links on your profile pages to your websites as long as your are not selling things other than real estate! Again, absolutely no outgoing links to your websites, blogs or listings 2. Do not speak disparagingly about members on this site. This community is meant to be helpful, and we are here to help each other. 3. We reserve the right to delete content and/or ban members that violate these rules. 4. Member Name (Full Name Field) format must be FIRST NAME, then LAST NAME! Please no company names, DESIGNATIONS, or website in the name field! Please read the terms of service under the "home" tab! IF YOU AGREE TO THESE TERMS, PLEASE TYPE "I AGREE" IN THE BOX BELOW!! Thanks for your cooperation, and welcome to the Network!

Kenneth Kulpa's Blog

Owner not on Loan, only on Title & wants a Loan Modification... How can I help him?

Posted on June 12, 2012 at 12:37pm 6 Comments

I have done tons of short sales and loan mods, but I need some advice on a somewhat uncommon situation.

Husband and Wife bought home in 2003, though put only Wife on loan at time due to credit issues with Husband despite that Husband was and still is primary bread winner. Both Husband & Wife are on Title.

Couple splits a few years ago, amicably, Husband remains in house & continues with payments, but now Husband wants to get a loan modification as he does sales and poor…


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