About Me
Blasting straight out of the Indiana cornfields, Josh did just as the notorious Texan bumper sticker describes "I wasn't born here, but I got here as fast as I could".
Josh is truly passionate about being a Texan and a San Antonio resident, as he has created a little wake for himself in regards to his dedicated service and community involvement. Before his full time career in real estate, Josh's wealth of experience began by managing multi-million dollar properties at the young age of 20. From there, he acquired his consultant license and accreditation for financial and debt counseling where he really enhanced his natural born role as a fiduciary consultant. While servicing his multitude of clients nationwide, Josh also learned how to help give back locally to the community. He began to help out with the San Antonio homeless transition center by teaching budgeting and money management classes. His other past community efforts included assisting Habitat for Humanity, assisting the build of a community playground and working with the Community Housing department. More recently, Josh now sits on the board of directors as the active Treasurer for Hearts and Hands, a 501 (c)(3) organization that provides financial and volunteer support through fundraisers and other social events to San Antonio's local charities, most notably the American Cancer Society, Returning Heroes Home and Camp Discovery for kids. When Josh has any time left, he also serves on the AHA (Agents Helping Agents) committee at Keller Williams whose mission statement is to provide support both financially and emotionally to any fellow Keller Williams agents and their families in times of need.
Josh has been married to his lovely wife Norma for 5 wonderful years and they have two adorable little boys (10,3). Josh and his family are HUGE Spurs fans and really enjoy attending games when they can. Bowling, camping and watching movies on their in-home movie theater are also a few things they enjoy doing as a family to pass the time. In addition, they are all naturals at swimming and can usually be found around any of the three large water parks located here in San Antonio on any given weekend.
Josh is truly passionate about being a Texan and a San Antonio resident, as he has created a little wake for himself in regards to his dedicated service and community involvement. Before his full time career in real estate, Josh's wealth of experience began by managing multi-million dollar properties at the young age of 20. From there, he acquired his consultant license and accreditation for financial and debt counseling where he really enhanced his natural born role as a fiduciary consultant. While servicing his multitude of clients nationwide, Josh also learned how to help give back locally to the community. He began to help out with the San Antonio homeless transition center by teaching budgeting and money management classes. His other past community efforts included assisting Habitat for Humanity, assisting the build of a community playground and working with the Community Housing department. More recently, Josh now sits on the board of directors as the active Treasurer for Hearts and Hands, a 501 (c)(3) organization that provides financial and volunteer support through fundraisers and other social events to San Antonio's local charities, most notably the American Cancer Society, Returning Heroes Home and Camp Discovery for kids. When Josh has any time left, he also serves on the AHA (Agents Helping Agents) committee at Keller Williams whose mission statement is to provide support both financially and emotionally to any fellow Keller Williams agents and their families in times of need.
Josh has been married to his lovely wife Norma for 5 wonderful years and they have two adorable little boys (10,3). Josh and his family are HUGE Spurs fans and really enjoy attending games when they can. Bowling, camping and watching movies on their in-home movie theater are also a few things they enjoy doing as a family to pass the time. In addition, they are all naturals at swimming and can usually be found around any of the three large water parks located here in San Antonio on any given weekend.
Testimonials
"We sold our home with eXposed Homes and bought another one outside the city. Josh and Desiree really took care of things for us and helped line-up the timing perfect. We highly recommend!"
B. & B. Williams Wed Aug 27, 2008
B. & B. Williams Wed Aug 27, 2008
""Josh,
I wanted to let you know how much my family and I appreciate the hard work and dedication you gave to the sale of our home. From the time you first sat down with us to the moment we closed on our home you delivered the service that you assured us we would receive. In the past our impression of realtors had been damaged, but you helped us through a difficult process and made a lasting impression on our family. Any family would be fortunate to have you as their Realtor ®. From our family to you, thank you!""
The Asvestas Family Sun Apr 22, 2007
The Asvestas Family Sun Apr 22, 2007
"you made the whole thing easy Josh..."
Mike M. Fri Aug 15, 2008
Mike M. Fri Aug 15, 2008
"I liked Josh from the start and we became friends almost immideately. I drug him around looking at dozens of houses for months and his patience with me never wavered. It was important to him that I find a house I liked."
J. Weimer Fri Apr 18, 2008
J. Weimer Fri Apr 18, 2008
"We love Josh, Not only can we trust him to look out for our best interests, he also will tell you straight up and is not afraid to tell us how it REALLY is. He is very genuine and caring but has absolutely no problem getting very aggressive and very creative to get us what we want."
Texas Wide Properties Wed Jan 14
Texas Wide Properties Wed Jan 14
"Josh is an extremely knowledgeable real estate agent and I’m looking forward to building on our business relationship. It’s great to be able to have a trustworthy, hardworking, agent on your side and that’s exactly what Josh is. Josh will be the first person we call when we look for our next investment or residence"
L. & S. Roberts Sat Jan 10
L. & S. Roberts Sat Jan 10
"Josh was absolutely fantastic helping my and my family transfer all the way from Olympia, Washington to Schertz, TX. We landed a great deal on a new home. Thank you for all your help!"
The Bonola Family Tue Nov 27, 2007
The Bonola Family Tue Nov 27, 2007
"THANK YOU FOR ALL YOUR HONEST FEED BACK HERE ON THIS FORUM AND YOU ARE EASY ON THE EYES KUDOS to you."
Vicki B. Mon Jan 5
Vicki B. Mon Jan 5
My Q&A
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Josh M. Boggs…'s Questions (8)
Josh M. Boggs…'s Answers (290)
Josh M. Boggs ABR. answered:
In my opinion, according to the Equal Credit Opportunity Act, you should be given a reason for a denial w/in 90 days and have the right to a free credit report w/in that same time. You could probably push really hard and press to finally receive an answer, but to sue a lender for denial would be a huge waste of time and money. If it were me, I would press on to finding another lender and you will probably get much better service and a better product with them anyway.
Best of luck,
Josh
Best of luck,
Josh
Josh M. Boggs ABR. answered:
Rav,
I enjoyed your post. Straight to the point w/ a little description of the rental equation. Thanks for the feedback.
I enjoyed your post. Straight to the point w/ a little description of the rental equation. Thanks for the feedback.
Vivian,
If you always remember the old adage, "the bigger the risk, the bigger the reward" you will have a better idea of which investment product you would like to use. It's very rare that investors selling multi-unit apartment buildings and other real estate that consist of more than one unit would sell if they are making wonderful profits on them. The skill level and pain threshold of buying single family vs. multi-family must be higher in order to be successful. We've seen personally several C- class properties that are cash flowing beauitfully, but they are dumps, tenants go month to month, high turn-over and can only sustain minimal repairs for a short time until major overhauls and capital investments are required to get them back up to par.
Location is key as well as knowing the demographics and income levels you desire to work with. Perhaps you may desire to sit down w/ a real estate professional that is experienced in dealing with investors and knows how to narrow down your goals to find you that great investment vehicle you would be comfortable with.
If you always remember the old adage, "the bigger the risk, the bigger the reward" you will have a better idea of which investment product you would like to use. It's very rare that investors selling multi-unit apartment buildings and other real estate that consist of more than one unit would sell if they are making wonderful profits on them. The skill level and pain threshold of buying single family vs. multi-family must be higher in order to be successful. We've seen personally several C- class properties that are cash flowing beauitfully, but they are dumps, tenants go month to month, high turn-over and can only sustain minimal repairs for a short time until major overhauls and capital investments are required to get them back up to par.
Location is key as well as knowing the demographics and income levels you desire to work with. Perhaps you may desire to sit down w/ a real estate professional that is experienced in dealing with investors and knows how to narrow down your goals to find you that great investment vehicle you would be comfortable with.
Josh M. Boggs ABR. answered:
Good morning Happy,
Being not too familiar with New Jersey's Real Estate laws and practices, I will only speak of TX, but I'm pretty certain that when dealing with new home builders; it's fairly the same.
All builders absolutely want to cater to Realtors as they are a majority chunk of their procuring causes. With that said, they already have usually built in the Realtors commission into every home they have built or will build. In the cases that I've heard about; the consumer not being represented by a Realtor usually does not even get half of the Realtor's fee's negotiated for their benefit and they can usually can end up with a lot less service than those that are represented. That may not happen to all consumers and you may be able to negotiate things well on your own. However, in TX a builder has no fiduciary to you and the sales agent is only there to sell and protect his builder. A Realtor puts someone in your corner to make sure that you aren't getting a raw deal and that the builder isn't taking short cuts on your home because you got them down to a great price.
For example, I just met a couple that didn't have a Realtor and they built a new home through a large home builder. I had also represented a client 2 months earlier in that same subdivision. After talking, my clients received almost $4,000 more in incentives and upgrades than the couple w/out a Realtor. There was no way of them knowing what that builder had done just a month earlier for people bc they did not have someone assisting them and informing them.
There are pros and cons, but it's up to you as far as what you feel in the end you will save. If I'm spending over $200k on a home, I'd want to make sure I'm getting the best deal, and having the most legal and service support that I can possible have.
Being not too familiar with New Jersey's Real Estate laws and practices, I will only speak of TX, but I'm pretty certain that when dealing with new home builders; it's fairly the same.
All builders absolutely want to cater to Realtors as they are a majority chunk of their procuring causes. With that said, they already have usually built in the Realtors commission into every home they have built or will build. In the cases that I've heard about; the consumer not being represented by a Realtor usually does not even get half of the Realtor's fee's negotiated for their benefit and they can usually can end up with a lot less service than those that are represented. That may not happen to all consumers and you may be able to negotiate things well on your own. However, in TX a builder has no fiduciary to you and the sales agent is only there to sell and protect his builder. A Realtor puts someone in your corner to make sure that you aren't getting a raw deal and that the builder isn't taking short cuts on your home because you got them down to a great price.
For example, I just met a couple that didn't have a Realtor and they built a new home through a large home builder. I had also represented a client 2 months earlier in that same subdivision. After talking, my clients received almost $4,000 more in incentives and upgrades than the couple w/out a Realtor. There was no way of them knowing what that builder had done just a month earlier for people bc they did not have someone assisting them and informing them.
There are pros and cons, but it's up to you as far as what you feel in the end you will save. If I'm spending over $200k on a home, I'd want to make sure I'm getting the best deal, and having the most legal and service support that I can possible have.
Josh M. Boggs ABR. answered:
Julie,
I hope by now you have received the advice you were looking for on your question. As someone who specialized in credit counseling, personal financial management and creditor relations; I can tell you that I've seen these circumstances many times. Except now, short sales are much more acceptable to the lenders than back 5 years ago. Currently we are working with 3 short sales right now and there is alot involved and your Realtor must really have his ducks in a row in order to achieve a successful outcome, but to answer your question directly; short sales DO affect your credit. They DONT however affect it as much as a foreclosure. The debate whether they affect it more or less than Chapter 7 is still undetermined. There are a handful of options left for you possibly, please seek someone that you can trust that has experience.
God Bless,
Josh
I hope by now you have received the advice you were looking for on your question. As someone who specialized in credit counseling, personal financial management and creditor relations; I can tell you that I've seen these circumstances many times. Except now, short sales are much more acceptable to the lenders than back 5 years ago. Currently we are working with 3 short sales right now and there is alot involved and your Realtor must really have his ducks in a row in order to achieve a successful outcome, but to answer your question directly; short sales DO affect your credit. They DONT however affect it as much as a foreclosure. The debate whether they affect it more or less than Chapter 7 is still undetermined. There are a handful of options left for you possibly, please seek someone that you can trust that has experience.
God Bless,
Josh
Josh M. Boggs ABR. answered:
Ann Marie,
I also like Matt came from up north as I was from IN! That's one thing that I had to really get used to was the fact we don't have basements anywhere down here. Our basements were the coolest spots as kids as they were our game room and play area. Of course, my grandparents' basement always smelled just a bit like cellar as my grandpa always used to make homemade wine and other "drinks".
Sorry to disappointment you about the lack of basements here, but you'll love it anyway!
God Bless,
Josh
I also like Matt came from up north as I was from IN! That's one thing that I had to really get used to was the fact we don't have basements anywhere down here. Our basements were the coolest spots as kids as they were our game room and play area. Of course, my grandparents' basement always smelled just a bit like cellar as my grandpa always used to make homemade wine and other "drinks".
Sorry to disappointment you about the lack of basements here, but you'll love it anyway!
God Bless,
Josh
My Blog Posts
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New comment posted Thu Apr 9 2009, 08:44 by Josh M. Boggs ABR. - 2 Comments
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My Listings
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Certifications & Awards
ABR - Accredited Buyer Representative
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