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
State of the Market: Fall Edition
State of the Market: Fall Edition By Ryan Dosen Fall is here. Welcome are the cooler temperatures and beautiful colors, as well as the typical flurry of real estate activity. People have returned from summer vacation, kids are back in school, and many will try to close transactions before year-end and the holidays. In general, the market seems to be following a similar path this year, at a noticeably faster pace. Pending Home Sales Remain Up Year-Over-Year The National Association of Realtors (NAR) reports that “pending home sales retreated in August but remained at a healthy level of activity and have now risen year-over-year for 12 consecutive months.” NAR’s Pending Home Sales Index is also up 6.1% year-over-year. Pending sales are an important indicator for the real estate market, as they represent the number of transactions that are under contract, but not yet closed. A measure of closed transactions would show us where the market is today. However, most are more concerned with where the market is headed. Pending transactions represent closings that will, for the most part, occur in the next couple of months—providing a decent indicator of the real estate market’s health in the near future. Lawrence Yun, Chief Economist for NAR, says that “pending sales have leveled off since mid-summer, with buyers being bounded by rising prices and few available and affordable properties within their budget…. Even with existing-housing supply barely budging all summer and no relief coming from new construction, contract activity is still higher than earlier this year and a year ago.” In Chester County, housing supply has dipped about 7 percent since...
TRID Clears the Air on Home Loan & Settlement Terms
TRID Clears the Air on Home Loan & Settlement Terms By Ryan Dosen New forms, new procedures, and new requirements are coming for real estate loans and settlements by way of the TILA-RESPA Integrated Disclosure (TRID) rule. For loan applications taken on or after October 3, 2015, Good Faith Estimates go the way of the dinosaur and lenders will have heightened requirements for getting you to the closing table. For consumers, the changes should largely be positive, unless you find yourself working with a lender or agent that is not prepared for the changes. Changes to Loan Paperwork Currently, lenders are required to provide their clients with Good Faith Estimates (GFEs) and Truth-in-Lending Act disclosures (TILAs). The GFE provides the consumer with lender, sales price, loan amount, interest rate, and type of loan information. The TILA provides the consumer with the loan’s interest rate, along with information about fees, such as loan origination fees, underwriting and processing fees, and other costs associated with the loan. Starting on October 3, the GFE and TILA are replaced with a 3-page Loan Estimate form. The new form provides the consumer with much of the same information, but in a format that is supposed to be more easily digestible. Changes to HUD-1 Currently, the HUD-1 Settlement Statement is the form that is signed at closing, summarizing all payments being made pursuant to a real estate transaction. The HUD-1 and final TILA forms are being replaced with a new 5-page Closing Disclosure form. In addition to providing a breakdown of financials, this form is used to disclose many of the terms and...
Home Buying Process Starts with a Major Decision
Home Buying Process Starts with a Major Decision By Ryan Dosen The first step in your home buying process isn’t driving around your ideal neighborhood looking for “For Sale” signs. It isn’t going online to run a search on the latest properties to hit the market. It isn’t sitting down with your Realtor to discuss the best homes in the area. It isn’t getting pre-approved for a mortgage. It may actually be choosing your college major. Of course, not everyone will go to college. Nor do they need to in order to buy a home. And of course, different people will take different paths with the same college degree, some more lucrative than others. But the bottom line is that, on average, your choice of degree puts you on a path to generally make a certain amount of money. Your choices and work ethic can certainly alter your path and future income, but the fact remains that your choice of college degree significantly impacts your future income and the home(s) you will eventually purchase. It is in this way that your choice of college degree could be said to be the first step in your home buying process. This is all very logical and unsurprising; however, most 18-year olds are probably not thinking specifically about buying a home when they are choosing a major. College Majors and Home Affordability More than 300 college degrees were analyzed by PayScale and Realtor.com, and engineering majors dominate the top of the list of incomes and mid-career (10+ years) maximum affordable home prices. Petroleum engineers sit at the top of the mountain with...Connect with Ryan Dosen on Social Media
