Ryan Dosen
Ryan Dosen’s Bio
Ryan Dosen is a real estate professional that lives in Naples, Florida. Ryan Dosen is also the Director of Consulting for Ciprani Consulting, a real estate consultancy firm that provides recruiting, training, and coaching services for many of America’s top real estate agents, teams, and businesses.
Prior to his work as a real estate consultant, Ryan Dosen was Vice President of The Jack Coden Group of Keller Williams Realty in Miami, the #1 real estate team in Miami, FL with Keller Williams Realty. While managing his team, Ryan Dosen oversaw all team operations and real estate agents and professionals. He also designed and orchestrated all team digital, social media, and print marketing campaigns.
Ryan Dosen was recently recognized by the South Florida Business Journal as one of its “People on the Move” for 2016: Ryan Dosen – People on the Move (2016)
Ryan Dosen is also a real estate columnist and special contributor to the Miami Herald. Here is Ryan Dosen’s most recent article in the Miami Herald, discussing how Hispanics are leading American new home formation.
He was also a real estate columnist for West Chester, PA’s Daily Local News. Ryan’s columns discussed the latest news and developments in both the local and national real estate market. Check out some of Ryan Dosen’s Daily Local News real estate columns.
Ryan Dosen was also recognized in 2014 by The Business Journals as one of the “People on the Move” for the Philadelphia area: Ryan Dosen – People on the Move.
Ryan Dosen’s Experience
Director of Consulting at Ciprani Consulting ( 2017 – Present | West Chester, PA )
Vice President at Keller Williams Real Estate – Miami – The Jack Coden Group (2016 | Miami, FL ).
Team Manager at Keller Williams Real Estate – Brandywine Valley – The Wayne Megill Team ( 2013 – 2015 | West Chester, PA )
Ryan Dosen’s Education
University of Miami (2001-2004) Juris Doctor (J.D.)
University of Miami (1997-2001) Bachelor of Science in Computer Engineering (B.S.)
Ryan Dosen’s Interests and Activities
Ryan Dosen is the lucky husband of Victoria Dosen and proud father of three. Ryan is a fanatical University of Miami Hurricane fan. He also cheers hard for the Miami Dolphins, Miami Heat, and Miami Marlins. Ryan Dosen enjoys playing sports and doing CrossFit for recreation. This is a link to Ryan Dosen’s CrossFit Profile. Ryan Dosen is a CrossFit Level 1 Coach. He coached periodically at Brandywine CrossFit in West Chester, PA. Ryan periodically competes in CrossFit competitions.
Ryan Dosen’s Real Estate Publications
FHA Premium Rate Cuts a Big Break for Home Buyers
FHA Premium Rate Cut a Big Break for Home Buyers By Ryan Dosen President Obama unveiled a plan earlier this week designed to help cash-strapped home buyers hop into the housing market. The Federal Housing Administration (“FHA”), a mortgage insurer and government agency within the U.S. Department of Housing and Urban Development (“HUD”), will be cutting insurance premiums in the near future, opening the doors for more people to buy homes as we approach the spring home buying season. The FHA The FHA is the largest insurer of mortgages in the world. According to its website, the “FHA insures mortgages on single family and multifamily homes including manufactured homes and hospitals…. FHA mortgage insurance provides lenders with protection against losses as the result of homeowners defaulting on their mortgage loans.” The FHA says that it “is the only government agency that operates entirely from its self-generated income and costs the taxpayers nothing. The proceeds from the mortgage insurance paid by the homeowners are captured in an account that is used to operate the program entirely.” In truth, the FHA costs the taxpayers nothing—unless it needs to be bailed out by taxpayers—which happened in 2013, to the tune of $1.7 billion. The 2013 bailout was the first in the agency’s 80 years of existence. FHA loan programs are designed to help individuals that may not meet conventional loan lending standards. FHA home loans are available with down payments as small as 3.5 percent. FHA loan programs also are generally available to people with lower credit scores. The FHA’s website says that applicants are now required to have a...
Tips for Saving on Closing Costs
Tips for Saving on Closing Costs By Ryan Dosen 2014 was somewhat of a strange year in real estate. The housing market was expected to continue its 2013 climb. Interest rates were expected to follow suit. And then we hit a brutal winter wall. Whether it was the weather, underlying market weakness, unstable world economic conditions, or any number of possible factors, the market came out of the gates like a slug and never really reached the levels we had expected. The rosy-colored-glasses view of things would say that all of those people that were expected to buy in 2014 still have relatively low interest rates and plenty of opportunity in 2015. The authorities are also reporting some of the highest post-recession consumer confidence numbers we’ve seen. Bolstering this rosy-colored view of the market, we are seeing a great deal of activity—far more than that from this time last year—in both the new construction and existing home markets. Speaking with other agents and builders in the area, December was the busiest we’ve had in years and we are expecting a strong year for real estate. In preparation for what we hope will be a busy year for the real estate market, I sat down with local mortgage expert Joe Gonzalez of GMH Mortgage of Conshohocken, PA to discuss some ways people can help save on the closing costs for their new home purchases. Tip 1: Consider a “Seller Assist” with Closing Costs Closing costs, including transfer taxes, title insurance, document recording fees, lender fees, and more, can add 3 to 4 percent of the value of a home...
Holiday Home Wish List
Holiday Home Wish List By Ryan Dosen Many of us will be hard at work this week fulfilling holiday wish lists. Lots of gifts to buy. Not a lot of time left to get them. And when we think about holiday wish lists, we’re usually contemplating things like cookware, cologne, and clothes. We may not think of home enhancements as things we should be longing for in lieu of other holiday luxuries, but these improvements can be enjoyed now and also pay dividends when it comes time to sell. The Demand Institute recently released the results of a 10,000-household survey that outlined the top items on Americans’ home wish lists. Detailing the so-called “Satisfaction Gap,” the Demand Institute helped shine some light on the gap “between what Americans have and what they say they need or want” in their homes. 1. Energy Efficiency Energy efficiency is becoming increasingly important to Americans and it tops our home holiday wish list. The Demand Institute reports that the average household spending on home electricity has jumped 56 percent since 2000. With energy cost increases far outpacing wage growth, the Institute says that “a desire for energy efficiency will drive renovations, maintenance, and new technology use….” 71 percent of surveyed households felt that having a “very energy efficient” home “with low monthly utility costs” was important, while only 35 percent of people responded that they were satisfied with their home’s current energy efficiency. This 36 percent “Satisfaction Gap” was the largest revealed in the survey. Whether it means installing programmable thermostats, replacing old appliances, sealing leaks, or simply changing their energy...Connect with Ryan Dosen on Social Media
