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Josh Espinosa Broker Associate at United Realty, Inc

Name: Josh Espinosa Broker Associate at United Realty, Inc
Address: Southwest Ranches, FL, US
Telephone: +19543282792

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Southwest Ranches, FL
Josh Espinosa Broker Associate at United Realty, Inc

After serving six years in the US Marine Corps, Josh started selling Real Estate in 1992 in Orlando FL as a Buyer and Seller single agent.

He played an active role in helping structure today’s real estate agency laws. He has an MBA in Business Management with an emphasis in Marketing and has held the roles of Manager and Supervisor in Corporate America. Having lived in different parts of Florida, spanning over 25 years, his knowledge of the area economy and market trends serves as an advantage not just to local customers but also to

the international investor. With his approachable and analytical demeanor, he’s always one step ahead in skillfully negotiating a great real estate deal. Over the years, Josh has carefully assembled a great team of mortage brokers, home inspectors, title companies, and contractors to fit his customers specific needs. His experienced team helps customers get the best advice and service while selling or buying their new home. His team has the ability to quickly price, stage, market, negotiate, and sell your home at the highest price and best terms. The Espinosa Team philosophy, “Excellence with Integrity”, has excelled them to a high level of respect within their community of customers, friends, and colleagues. They place great importance in providing unparalleled service to every customer, no matter how large or small their investment. Specialties:
Residential and Short Sales
Leasing
Free Home Staging
Free Home Valuation
Foreign and Local Investor Consulting
Property Management

07/21/2023

Mastery of anything does not come without absolute Devotion.

Posted

06/13/2023

SOLD 3/2 on a Lake. Sunrise FL.
MULTIPLE OFFERS. Market still strong. Not as strong as 6 months ago but still holding up.

02/05/2023

Good to know...

04/15/2022

Thanks for your trust, John!

The best part of what I do is being able to provide guidance and value in one of the biggest investments you may ever make. 🏡

Josh Espinosa
📞 954-328-2792
📩 [email protected]

03/27/2022

Veterans Administration Loan (VA) is available only for US Military Veterans.

🔹A VA loan is a Federal Government guaranteed loan; therefore, the advantage of this loan is that there is $0 down payment.
🔹 The veteran pays their own closing costs. This a great loan option if money is tight.

Pros:
✔️$0 down payment
✔️Debt to income ratio is on the higher side
✔️No monthly mortgage insurance payments
✔️High loan limits

Cons:
❌Property condition is a factor

03/26/2022

Cheers to our happy buyers 🥳🥳
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In a competitive market, having an edge counts! Every customer, (buyer or seller) is counting on our expertise to get them through safely and effectively.
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Over the years, my team has done just that; we've gathered the tools and strategies to make you successful in every transaction.
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Josh Espinosa
📞 954-328-2792
📩 [email protected]
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03/24/2022

Federal Housing Administration (FHA) Loan is a government insured loan which means it reduces the risk to the lender.

✔️Pros:
🔹Low down payment of 3.5%
🔹Min credit score of 580 (must occupy the property)
🔹Higher "debt to Income Ratio" than most loans which means you can carry a bit more debt and still qualify.

❌Cons:
🔹Like most government loans, property condition is a factor. (i.e.. no wood rot, peeling paint, broken windows, etc.) if any defects are noted at the appraisal, all items must be fixed before closing.

💫 Pro tip: Did you know you can purchase a multifamily duplex, triplex or fourplex with an FHA loan? You can, as long as you live in one of the units.

Josh Espinosa
📞954-328-2792
📩 [email protected]

03/23/2022

⬆️⬆️BASED ON $300K HOME⬆️⬆️

Sometimes it helps to see the dollars & cents as it relates to rising mortgage interest rates.

Although still at record low rates, the FED has a plan to continue to raise rates throughout the year. We could be at or above 5% by year end.

See what that means to you...or contact me for a quick chat.

Josh Espinosa
📞954-328-2792
📩 [email protected]

03/22/2022

Conventional home loans are not insured or backed by the government so typically the minimum down payment is 5%

✔️Pros:
🔹3% down payment for first time home buyers
🔹Property condition is not a factor
🔹Preferred home loan for most sellers

❌Cons:
🔹5% down payment if not first-time homebuyer
🔹Minimum credit of 640 (higher than government backed loans)

Josh Espinosa
📞 954-328-2792
📩 [email protected]

03/15/2022

🏡12 offers over asking!!!! The market continues to be very strong in 2022 💪 Most of the offers were over asking and with cash above the appraisal.

Is it time for you to sell or buy? A quick conversation and we'll find your best options.

Josh Espinosa
📞 954-328-2792
📩 [email protected]

Address

Southwest Ranches, FL

Telephone

+19543282792

Website

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