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YOUR HOME BUYING Expert

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What sets me apart from the crowd:

Licensed to sell real estate since 2002
Licensed as a real estate Broker since 2007
I have signed the Realtor Code of Ethics
I have earned multiple Realtor designations
I have earned multiple Realtor certifications
An extensive knowledge of home loan financing
No Games – No Gimmicks – Just Strait Talk

As a real estate Broker, when you work with me, the buck stops with me. To ensure my client’s are working with the best Realtor®/Broker I can be, I have spent thousands of dollars and hundreds of hours learning how to hone my craft and expand my knowledge.

Having an expert Realtor® in your corner is one the most important things you have total control over. When buying a home, you will choose who to help you prepare for the journey ahead. As your home buying expert, I will get you prepared and ready to make the home buying process as smooth and enjoyable as possible.

Together, we will create a home buying plan tailored to your specific needs. A plan that will guide you through the buying process from start to finish. The plan we create will use current real estate trends and market data to get you ready to buy a home.

Work With Josh.

As your Home Buying Expert I will help you:

  Determine the best financing options (if needed)
To know what to look for when looking at homes
Learn how to get your offer accepted
How to find a great home inspector
What to expect from a home appraisal
And so much more
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When you are ready, your next step will be to set up a time for us to talk to each other.
Typically, our initial consultation will only take about 15 minutes.

Along with being a member of the National Association of Realtors, I have earned the following credentials:

GRI® – Graduate Realtor Institute
SRES® – Seniors Real Estate Specialist®
GREEN® – NAR’s Green Designation®
MRP® – Military Relocation Professional®
SFR® – Short-Sales and Foreclosure Resource®
AHWD® – At Home With Diversity ®
PSA® – Pricing Strategy Advisor ®
RENE® – Real Estate Negotiation Expert®
ePro® – Real Estate Internet Marketing Professional®
PTS® – Probate & Trust Specialist®
ADUS® – Accessory Dwelling Unit Specialist®

What to expect during your consultation:

No sweet talk
No pressure
No games
Just answers

Today’s Real Estate Market is Dynamic!

It appears as if the real estate market is in the news almost every day. With prices, inventory, and interest rates in a constant state of flux, it takes both experience and knowledge to get things done right. Allow me to give you sound home selling advice along with my knowledge of the local market… after all, I live here myself.

Bottom Line

Typically, a home’s layout and location, along with the price and condition are the biggest considerations when choosing to buy or sell a home. However, in the High Desert real estate market, there are so many more options than just plain cookie cutter properties. This is why you need more than just a cookier cutter real estate agent. The most critical early decision of your home buying or selling journey will be to find an expert Realtor® who has the knowledge and experience to assist and guide you throughout the process.

By putting in 100’s of hours into my own advanced education. I am prepared to help you accomplish your goals. As your trusted Realtor®, with over two decades of experience in buying and selling High Desert homes, I will offer you the opportunity to complete a real estate transaction with the patience, professionalism, and good old fashioned customer service you expect and deserve.

Schedule your 15 Minute consultation today!

Schedule Now

Financing

Home Loan Financing

Having a home loan in place will allow you to know how much you will qualify for, prior to visiting a new home community, is key to the homebuying process. If you are already approved for a home loan, you likely have all we need to start visiting new sites. Simply click here to schedule your no obligation 15 minute consultation to see if we are the right fit for each other.

However, if you have not yet been approved, it is imperative that you begin the process of selecting the best financing for your situation. Once we know what type of loan is best, you can then know what kind of Mortgage Loan Originator (MLO) that is needed for the job.

Home Loan Financing

Financing

FHA Financing

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. FHA home loans require lower minimum credit scores and down payments than many conventional loans. This makes FHA loan especially popular with homebuyers with limited funds for a down payment.

Check out these FHA home loan highlights:

Limited Down Payment of 3.5% Required
No Prepayment Penalty
Non-Owner Cosigners Allowed
Flexible Credit Standards

FHA loan written on the model of home.

FHA home loans typically have slightly higher interest rates than conventional mortgages and require Private Mortgage Insurance (PMI) determined by the borrowers credit score and amount of money used in the down payment. FHA loans also allow for higher debt-to-income ratios and as mentioned above they have flexible credit guidelines. Qualifying for a FHA loan is not overly difficult however, it takes a certain skill set from a team of real estate professionals to assist anyone who is pushing their limits or has credit challenges.

I am here to assist you with:

FHA Eligibility Requirements
An Explanation of Mortgage Insurance
Debt To Income Requirements
Loan Limits Set for the County

Financing

VA Financing

Use the VA Benefits You Earned! For those who qualify, the VA loan program can be the best loan option. Backed by the U.S. Department of Veterans Affairs, VA loans are designed to help active-duty military personnel, veterans and some others become homeowners at an affordable cost. VA homes loans have a more lenient credit guideline compared to traditional loans making it easier to qualify for a mortgage. This is a great loan option, especially for first-time homebuyers.

Check out these VA home loan highlights:

Limited Down Payment of 3.5% Required
No Prepayment Penalty
Non-Owner Cosigners Allowed
Flexible Credit Standards

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VA home loans typically have lower interest rates than conventional mortgages, allow for higher debt-to-income ratios and as mentioned above they have flexible credit guidelines. Plus, VA loans do not require monthly private mortgage insurance. Qualifying for a VA loan is easier than you may think, however, it takes a certain skill set from a team of real estate professionals to assist anyone who isn’t at the tip of the spear.

By the way, I am also a certified MRP®, Military Real Estate Professional®, who understands the needs of both veterans and active-duty personnel.

I am here to assist you with:

VA Eligibility Requirements
Disability Waivers
Local BAH Rates Requirements
Debt To Income Requirements

Financing

Conventional Loan Options

Conventional mortgages (typically the interest rates you hear about on TV/radio) are the most common type of home loan financing. These types of home loans do not have any kind of government backing, like an FHA loan or VA loan, so they typically have more stringent credit requirements and financial standards.

Homebuyers with excellent credit and solid assets can often tap into the best interest rates and terms of a conventional loan. I suggest looking very closely at this loan when putting down a minimum of 20% of the purchase price. Anything less down, should your require careful consideration.

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Homebuyers with excellent credit and solid assets can often tap into the best interest rates and terms of a conventional loan. I suggest looking very closely at this loan when putting down a minimum of 20% of the purchase price. Anything less down, should require your careful consideration.

I am here to assist you with:

VA Eligibility Requirements
Disability Waivers
Local BAH Rates Requirements
Debt To Income Requirements

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Reverse Mortgage

If you’re age 62 or older, you can receive money from your mortgage company by borrowing against the value of your home (your equity) through a reverse mortgage. Most reverse mortgages are insured by the Federal Housing Administration (FHA), as part of its Home Equity Conversion Mortgage (HECM) program.

Reverse mortgage home loans typically have no payment and depending on your situation could provide you with a monthly income. This loan can also be used to purchase both new and existing homes. All that is required is a larger down payment (typically 50%) and enough provable income to pay your on going expenses like utilities, taxes and insurance (some exceptions may apply). Qualifying for a Reverse Mortgage loan is not difficult however, it is a bit more complicated than a typical home loan. This type of loan requires a certain skill set from a team of real estate professionals who are VERY familiar with the process from start to finish.

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Check out these Reverse Mortgage loan highlights:

A reverse mortgage can be a great loan for the right borrower so, it’s important to talk with a team of professionals to see if it’s the right loan for you. Both your Realtor® and Mortgage Loan Originator (MLO) need to be on the same page and completely understand this type of loan to make your buying process a smooth and successful one.

By the way, I’m also a designated SRES®, Seniors Real Estate Specialist® who understands the needs of seniors and their needs at all stages of life.

Credit Score Not Required
Limited to NO Income Required
No Monthly Payment s
No Prepayment Penalty

I am here to help explain:

Reverse Mortgage Eligibility Works
How to Decide if a Reverse Mortgage is Right for You
Buy A Home Using a Reverse Mortgage
Debt To Income Requirements

EEM

Energy Efficient Mortgages

Using an energy efficient mortgage means living comfortable with more predictable energy costs. When buying a home, you can increase your comfort and savings by using an Energy Improvement Mortgage (EIM). Sometimes also referred to as an EEM, it is easy to use, federally recognized, and can be applied to most home mortgages, including FHA, VA and Conventional financing. EIMs provide the borrower with special benefits when purchasing a home that is energy efficient or can be made efficient through the installation of energy-saving improvements.

Homeowners with lower utility bills have more money in their pocket each month. Plus they potentially can reap a greater tax deduction for their old energy costs. (Talk with a tax professional for more details.)

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Check out these Energy Improvement Mortgage loan highlights:

When you do not have the cash on hand or would rather not spend it, an EIM/EEM mortgage can pay for energy efficient improvements easily. Your Mortgage Loan Originator (MLO) can adjust your maximum loan amount to cover many GREEN improvement costs. Monthly mortgage payments will increase slightly however, you will actually save money because your energy bills will be lower!

An energy efficient mortgage can be a great loan for the right homebuyer so, it’s important to talk with a team of professionals to see if it’s the right loan for you. Both your Realtor® and Mortgage Loan Originator (MLO) need to be on the same page and completely understand this type of loan to make your buying process a smooth and successful one.

Qualify for a larger loan amount with flexible debit-to-income requirements
Works for both NEW and RESALE homes
Available in FHA, VA, and Conventual loan options
No Private Mortgage Insurance
Increase the potential resale value of your home.

I am here to help explain:

How it all works and what to ask your lender
How to obtain a home energy assessment from a Qualified Energy Assessor
How Energy-efficient homes can cost less to own than non-efficient homes

Selling

Do You Need Sell A HomeTo Buy Your New Home?

Having a home to sell when buying a new home can be complicated. If you don’t have the right Realtor® in your corner, you could end up without a place to live. It is imperative to know what’s happening in the current real estate market. Depending on the market conditions a builder may wait for you to sell your home or want your home sold before you start the process of buying their home. Knowing what to expect and having solutions ready will make a huge impact on your home buying experience.

With years of experience selling homes of every type, I have created a plan which will allow you to sell your home (GREEN or Traditional) quickly and at the best possible market price. To begin the process, I like having my home sellers start with a no obligation, automated market analysis. Just click here to get your instant automated report, using the same comparable homes, I will be considering, when doing your more Personal Equity Analysis Report.

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Analysis Report

Personal Equity Analysis Report

The next step is what I like to call a Personal Equity Analysis Report (PEAR) and it is an amazing tool! I will personally tour your surrounding neighborhood and do a thorough walk of your home. I will be looking to find as much hidden value, inside and out, as possible which will include full consideration of your home’s current condition.

Some of what you will get with your customized PEAR:

Comparative Market Analysis (CMA)
A True Price Range Determined by Condition, Location & Access.
A Cash Offer Price if Requested

Seeing your home and its condition is only part of the process. It is essential that we have all of the information at our fingertips to know what we think your bottom line will be. After all, knowing how much equity you have, what the current market conditions are, and constant communication is key to determining a viable sales price.

When we meet I will have a detailed property report that will:

Confirm Legal Ownership
Examine any Liens on the Property
Look for Judgements or Filed lis pendens
Current Property Tax Records
Look for any Tax Delinquencies
Look for any Pre-Foreclosure Filings
Determine Restriction(s) from Deed, HOA or Other

Understands the benefits of a GREEN home lifestyle
Will be patient and understanding throughout the process
Sees the hidden value often missed in buying/selling a home
Is aware of the local GREEN housing options & amenities available
Will provide useful resources and information throughout the entire process

If You are Looking for Someone Who…

Once your PEAR is completed and your are satisfied with the results, it is just a matter of preparing your home for sale, getting the marketing ready and authorizing a little paperwork. Although the process sounds (and is) complicated, a true professional Realtor® with their MRP certification will be able to provide you with all the information you need to make an informed and mission critical decision.

I know that whether you are buying or selling a home, time is not on your side with a PCS. The sooner we connect, the sooner you can get this part of the transfer started. When you are ready to schedule your no-obligation in-person Personal Equity Analysis Report (PEAR) click HERE to get started

LEARN MORE

Click the links below to learn more about:

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If you’re ready to buy a home, you have a great opportunity to get ahead of the curve by purchasing before rates and prices climb higher. If you can, buying sooner rather than later may make the most financial sense.
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Things To Consider When Buying A Home

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Things To Consider When Buying A Home

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The current imbalance of supply and demand is good news for you. Let’s connect today to discuss how much leverage you have, and why it’s best to sell now instead of later, if you’re ready.
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Moving On!

A Guide to Housing-Related Resources Tailored to Seniors and their Families.

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Moving On! A Guide to Housing-Related Resources

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Moving On! A Guide to Housing-Related Resources

About

Josh Beauchamp

First and foremost, I am a family man who loves my dogs, grandchildren and spending as much time as possible with my very talented wife. These are the 3 reasons I have the passion and energy to live each day to the fullest.

When I am not fishing, I am an avid BBQ guy. I grill, I smoke, and I eat! My passion for cooking comes straight from the heart. It allows me to share my love in an edible way. To me it doesn’t get much better than having a great tasting meal with the people I love. I am truly obsessed with putting the same love and attention to detail into every plate as I do with every real estate transaction.

Finally, I want to share with you an idea that has been in my mind for decades now. An idea that has shaped my life in almost every way:

If, I can make enough people’s dreams come true, then my dreams can come true too. 

Let’s dream big together! I look forward to hearing about your dreams and helping them to become a reality.

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Testimonials

Testimonials

Client Success Stories

Highly likely to recommend

Joshua was indispensable [from] my initial visit and afterwards. He was [both] candid and well informed. Joshua was also instrumental in my contingency coordination [giving us] the option to reside in your current home while awaiting your new home’s construction. It has been my lengthen experience, over the course of 6 months, and frequent interactions with him that lend to this commendatory endorsement of him...
Eliysha Y
So excited to move… the views are amazing and it's so peaceful! I have to give a big shoutout to Josh. I'm 28 and [I] was interested in buying my first home in the near future but no one has ever taken me seriously or given me the time of day (I'm assuming because I look so young lol). Well Josh didn't care that I looked young and didn't judge me off of that and I truly appreciate that he took me seriously and believed that I could get my dream home. He made my dream a reality! He took us all over...
Erika C
We went out a few times to check out the land and homes. Joshua Beauchamp, has been the one we decided to make [a purchase with] and [he] has been very helpful. He has taken the time to talk with us about our options as well as show us other homes. Even after us signing the paperwork on our own home he has followed up with us to make sure that everything is going smooth with the sell of our current home...
Tiffany A
We have had such a positive experience from the first time and all the way through submitting an offer. Joshua has made this experience stress-free, easy, and fun. From the moment we told him what we wanted and was looking for he instantly knew the perfect home for us. He took us around, allowed us to compare and contrast homes we were considering, and sure enough, his first recommendation was spot on. We fell in love with the home and homesite. From that moment on Joshua has taken care of us...
Kiandra J
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Schedule a one-on-one, no obligation, 15 minute call or video meeting with Josh your local real estate expert.

CREATE YOUR PLAN

Create a custom tailored, step-by-step plan which focuses on your specific needs and wants in real estate.

REACH YOUR GOALS

Begin your journey, with a trusted advisor, who will guide you through the process in the professional manner you deserve.

IT AS EASY AS 1, 2, 3!

IT AS EASY AS

1, 2, 3!

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