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
3 Percent Down Conventional Home Loan Financing for First-Time Home Buyers
3 Percent Down Conventional Home Loan Financing for First-Time Home Buyers By Ryan Dosen Cash-strapped first-time home buyers caught a big break this week. Fannie Mae and Freddie Mac announced that they are adopting programs that will allow first-time home buyers to put as little as 3 percent down towards the purchase of a home. Similar programs are offered through the FHA, but the backing of Fannie Mae and Freddie Mac will make the terms much more favorable for well-qualified first-timers. This new 97 percent loan-to-value program officially becomes available on December 13, 2014. “First-Time” Home Buyers? Government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac are allowing “first-time” home buyers to qualify for their new 3 percent down programs. Fannie and Freddie define “first-time” home buyer as someone that has not owned a home in the last three years. So, you may qualify as a “first-time” home buyer even if you’ve previously owned a home. Fannie Mae will also let you qualify as “first-time” home buyers if one, but not both buyers qualify as a first-timer. Conventional Loans and Financing Fannie Mae and Freddie Mac’s new 97 percent loan-to-value program (the previous max was 95 percent loan-to-value) is only for conforming or conventional loans. Fannie and Freddie set various standards for loans that they will back or buy from banks. Loans that meet these standards are considered conforming or conventional. When a bank issues a loan, it can keep the loan on its own books or potentially package the loan with other loans and sell them off. The selling off of loans enables banks to stay...
Americans Spending Too Much on Housing
Americans Spending Too Much on Housing By Ryan Dosen CNNMoney.com recently reported that too many Americans are spending too much of their money on housing. Some are stretching their dollars to get the nicest homes they can possibly afford. Others are struggling with low wages, underemployment, bad credit, and/or high rental costs that could be unsustainable, individually and societally. 40 Million “Cost Burdened” Americans The Demand Institute, a non-advocacy and non-profit division of The Conference Board, is a think tank that focuses on understanding how consumer demand changes in industries, countries, and markets. The Institute recently surveyed 10,000 U.S. households and found that nearly 40 million Americans are spending more than 30 percent of their income on housing payments, property taxes and other home expenses. Even worse, 49 percent of renters are finding themselves in this “cost burdened” zone. Another study released this summer by Harvard’s Joint Center for Housing Study reported that housing costs are near record highs and that 28 percent of renters are “severely” cost-burdened with housing costs eating up at least half of their incomes. Debt-to-Income Ratios When qualifying you for a loan to purchase a home, a bank will look at your debt-to-income (DTI) ratios. There are two DTI ratios that are relevant when trying to qualify for a mortgage: front-end ratio and back-end ratio. Local mortgage expert Karen Jackson of Waterstone Mortgage in West Chester says that the front-end ratio is the percentage of monthly gross income that is taken up by just the new projected monthly “PITI” (principal, interest, taxes, and insurance) payment. The back-end ratio is the percentage taken...
Code Concerns Can’t Cool Builder Expectations
Code Concerns Can’t Cool Builder Expectations By Ryan Dosen Builders, faced with increasing costs and stricter building codes, remain optimistic about the future and the demand for their product. The National Association of Home Builders (NAHB) just reported a Housing Market Index (HMI) of 58—the second highest monthly reading in 9 years. Despite their optimistic mindset, some builders still feel the walls closing in with the onset of high-cost, low-return code mandates. Stricter Building Codes Paul Emrath of the NAHB wrote that “originally, building codes were designed to establish minimum safety standards for newly built structures, but codes have increasingly been seen as a tool for advancing other public policies, such as energy efficiency.” Emrath says that this trend is causing builders to become concerned about some of the code changes increasing costs “substantially, as well as needlessly.” The NAHB/Wells Fargo Housing Market Index polls home builders every month to gauge their sentiment for the housing market. October’s HMI survey asked builders a new question: “How concerned are you about building codes becoming too stringent and driving up costs without a measurable improvement in safety or other benefits.” Builders were asked to respond on a scale of 1 to 5, with 1 being “not concerned at all” and 5 being “extremely concerned”. 35 percent of surveyed NAHB members responded to October’s new survey question by stating that they were “extremely concerned” about building codes overall becoming “too stringent and driving up costs without a measureable improvement in safety or other benefits.” Only 6 percent of surveyed home builders reported that they were not concerned at all. 58 percent of...Connect with Ryan Dosen on Social Media
