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 Home Loans Available for a Limited Time
3 Percent Home Loans Available for a Limited Time By Ryan Dosen Federal government funds still remain available to help Pennsylvanians get 30-year loans to buy homes with rates as low as 3 percent. However, these shockingly low rates and ultra-friendly terms won’t be around forever. Once the federal funds have been used up, they’ll be gone for good. Keystone Home Loan Program Local mortgage expert Karen Jackson of Waterstone Mortgage in West Chester, PA says that one of the most attractive opportunities out there right now is the federally-funded Keystone Home Loan Program, available through the Pennsylvania Housing Finance Agency (“PHFA”). The PHFA says that it “works to provide affordable homeownership and rental apartment options for senior adults, low- and moderate-income families, and people with special housing needs.” Those that qualify for the PHFA’s Keystone Home Loan Program can enjoy rates as low as 3 percent. Since this program doesn’t accommodate conventional loans with PMI, it can be used only with government loans – such as FHA, VA and USDA – along with conventional loans that have at least 20% down. With many experts saying that rates will be going up as soon as September, this program could allow buyers the opportunity to afford housing now rather than being forced to the sidelines as rates rise. The Catch The catch for the Keystone Home Loan Program is that there are income and purchase price limits. The income limits had been $95,000 for 1-2 person households and $110,000 for 3-4 person households. Unfortunately for some buyers, the limits just dropped in Chester, Delaware, and Montgomery Counties....
“Know Before You Own” Changes Delayed
“Know Before You Own” Changes Delayed By Ryan Dosen The powers that be in the real estate industry have managed to kick the can and delay the significant changes that are coming for real estate settlements and settlement paperwork. Changes were slated to begin on August 1, 2015. We learned on Thursday that the effective date of the mandated changes will be bumped back at least two months to October 1, 2015. Representatives from the National Association of Realtors (NAR), Mortgage Bankers Association (MBA), and other real estate-related organizations laud the decision to delay the inevitable, generally citing the need for additional time for professionals to adjust to and prepare for the soon-to-be-mandated changes. MBA President and CEO David H. Stevens says that “the complexity of this rule, which impacts not just mortgage disclosures but also the business processes behind the entire real estate transaction, warrants the additional time to get it right and ensure that consumers are not adversely effected by the transition.” The New Rule and the Changes Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), the Consumer Financial Protection Bureau (CFRB) was tasked with the creation of newer, more easily understandable loan and settlement forms. The CFRB states that the old forms, including the Truth-in-Lending disclosure (TIL), Good Faith Estimate (GFE), and HUD-1 settlement statement, were considered “confusing” and that “lenders and settlement agents find the forms burdensome to provide and explain.” As part of the new TILA-RESPA Integrated Disclosures (TRID), a new Loan Estimate (LE) will replace the GFE and initial TIL. The new Loan Estimate “is designed to...
Less Than Two-Thirds of Real Estate Contracts Settle on Time
Less Than Two-Thirds of Real Estate Contracts Settle on Time By Ryan Dosen According to a recent survey, the National Association of Realtors (NAR) is reporting that less than two-thirds of real estate contracts actually settle on time. When selling your home, getting a signed contract is the first and most important hurdle to cross. However, many potential pitfalls await after this key first step. Selling a house can be like navigating an obstacle course, so it’s best to know what you could be facing and to be well-prepared and well-represented. Delayed or Terminated Contracts “In the past 3 months, think of your most recent sales contract that either went into settlement or terminated. Please explain how the deal concluded.” This request was recently made of over 1500 Realtors in an effort to determine what types of issues agents are facing and how often settlements are being delayed or even terminated. Answers to this question have remained fairly consistent this year. NAR is reporting that approximately 26 percent of contract settlements were delayed, while 10 percent of contracts were terminated. Contract Problems NAR’s survey revealed that about 60 percent of real estate contracts faced some sort of problem while progressing toward settlement. Many potential problems were uncovered, but the usual suspects remained the most common. Financing The most common problem faced by Realtors related to financing. 12 percent of agents reported issues settling a contract due to difficulties with buyers obtaining financing. In Pennsylvania, agents are required to have their clients complete a Buyer Financial Information (BFI) disclosure. The BFI is a form of agent...Connect with Ryan Dosen on Social Media
