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I Am Your SRES®

When looking for a real estate professional that will respond to your specific, 50+ real estate needs, look for a Seniors Real Estate Specialist® Designee.

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I’ve been expecting you.

As an SRES® designee, I have received extensive education on topics such as tax laws, probate, estate planning and equity conversion strategies. I can offer you relevant information on current market trends as well as valuable resources regarding real estate transactions.

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.

I can guide you through all your real estate transactions, because I have:

A solid comprehension of Federal laws for the Housing for Older Persons Act (HOPA)
Sensitivity to 50+ issues and priorities
The devotion to providing reputable services that win and sustain trusting client and customer relationships
Knowledge of the uses, benefits, procedures, and issues involved in reverse mortgages
Education regarding the uses of pensions, 401k accounts, and IRAs in real estate transactions
The understanding of how Medicare, Medicaid, and Social Security impact your real estate decisions

Schedule your 15 Minute consultation today!

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Why Use an SRES® ?


As we age, we demand specialists in our health needs, so why not in our housing and equity needs as well? An SRES® brings:
 A customized approach to your situation
Expertise and patience throughout the transaction
An awareness of options and a network of solid, reliable referrals to help you through the process
A variety of choices to reduce out of pocket expenses, gain cash, or create/defer income streams
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SRES®

As an SRES®, My Goals Are…

To help you understand the important choices that lie ahead.
To help you to completely understand the emotional aspect of making these choices.
To provide useful information and resources in a timely manner.
To help you in making an educated decision about available housing options.
To plan the best strategy for finding you the right property.

I’M A SENIORS REAL ESTATE SPECIALIST®

Every transition is an opportunity, regardless of your stage in life. By partnering with an SRES® like myself, during your home search/sale, you’ll gain the help and experience of a REALTOR® specialized in meeting the needs of home buyers and sellers 50+.

My name is Josh and I would be pleased to be your SRES®.

Older Seniors

Is it time to sell your home?

Are you thinking of selling your home to move to a senior supportive environment? Or perhaps to move in with an adult son or daughter who can help with your needs as you grow older?

You may be considering leaving the family home with all that it represents—the place where children were raised; the safety and security of a family unit; the physical space where your oldest and dearest memories reside. For seniors, it can signify the best years of their lives, where friends and community ties were made.

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Many seniors would prefer to continue living in their own home, or age in place. Sometimes, circumstances work against those preferences:

Home maintenance becomes a burden.
A major life event forces considering a move.
An aging parent wants to live closer to adult children or other caretakers.
Financial concerns make it difficult to keep the home.
Support services are needed that are not available at home.

Whatever the reason, there may come a time when parents, along with their adult children, consider selling and moving on. Because of this I have FREE no obligation booklet which is designed to help guide your family through the complex issues and unique situations you may encounter during the process. Click here for Booklet.

Seniors, Military, First Responders
& Hometown Heroes Coupon

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Taxes and Other Considerations

Property Taxes

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Selling a home can trigger significant taxation. Capital gains taxes may apply in the event the sales proceeds aren’t used to buy another home. Before listing a home, it’s a good idea to consult a tax specialist or professional financial advisor to determine how a sale will affect your finances. If you don’t have an advisor, As an SRES®, I can provide you with a list of referrals to choose from if needed.

Prop 19

Recently the voters of California approved Prop 19. This new proposition has made it tremendously easier to sell your home and take your old tax base with you.

You can move to any county in CA without restriction.
You can move up or down in sales price.
You can move, taking your old tax base with you, up to 3 times.

Prop 19 also made changes that affected how inherited homes may be taxed between children and grandchildren. To make sure you fully understand these changes and what it will represent if you chose to sell your home. Remember that it is important to consult with a tax professional.

Probate and Dealing with the Loss of a Loved One

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In order to better understand the probate process, you first need to know if there is a Last Will & Testament. If there is a will, it will help guide the courts through the process. If there is no will, the courts will assign someone(s) to help with the process, potentially making things more complicated.

Once you know if there is a will or not, you need to talk with a trusted Realtor® with probate experience, a specialized Probate Attorney, and a tax professional. The courts have very strict guidelines and not using professionals who fully understand the probate process can potentially be very time-consuming and costly.

Fortunately, not only am I a SRES® but I am also a PTS®, Probate & Trust Specialist®, certified by the CA Board of Realtors®. This certification must be renewed every two years, so I can remain current with any changes to relevant real estate and tax laws.

However, I am also a human being, who knows how difficult and potentially confusing things can be; especially when you are grieving. I will take things with you one step at a time and answer any questions you may have along the way. I am here to help make an overwhelming process, manageable, and trouble free.

Aging in Place vs Moving

Many seniors want to stay in their current home and age in place. This is a great option if friends and family live near by and your home can be retrofitted to accommodate your needs.

However, some seniors find this option will not work for them because of their homes current condition, cost of deferred maintenance. Even when considering the cost of converting their existing home, it still will not meet their future needs.

This is a very tough choice for some seniors. Being a highly trained SRES® I can help you to discover what the right option is for you.

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.

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However, if you have not yet been approved, it is imperative that you being 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.

Schedule your 15 Minute consultation today!

Schedule Now

Mortgage

Reverse Mortgage

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.

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.

Check out these Reverse Mortgage loan highlights:

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

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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.

I am here to explain how:

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

Selling your home

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:

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

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

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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:

No Down Payment Required
No Loan Limits
No Prepayment Penalty
No Private Mortgage Insurance
Flexible Credit Standards

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.

I am here to assist you with:

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

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

Loans

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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Selling

Traditional Home Selling

With years of experience selling homes, I have created a plan which will assist in selling your home quickly and at the best possible market price. To begin the process, I like to have my clients 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 a more personalized report.

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Seeling Your Home

Value

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.

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

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

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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

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

FREE Instant Home Valuation

If You are Looking for Someone Who…

Understands the potential financial situations of 50+ home buyers and home sellers
Will be patient and understanding throughout the process
Understands HOPA and other federal laws concerning the 50+ community
Is trained on the housing options and amenities available
Will provide useful resources and information throughout the entire process

I’m Here to Help

As your SRES® I am here to help by tailoring to your needs. Do not be afraid to ask as many questions as you like when we talk. It is important that you are comfortable with me representing you in the process of buying and/or selling your home.

I want to learn how to buy like a pro!

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.
Get Access To This Free Guide
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Free Buyer's Guide

Things To Consider When Buying A Home

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Free Buyer's Guide

Things To Consider When Buying A Home

Leverage the market and sell your home!

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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Free Seller's Guide

Things To Consider When Selling Your Home

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Free Seller's Guide

Things To Consider When Selling Your Home

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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Continued & focused real estate education, training, and certifications.

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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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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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