About Cass County, ND

Buyer Tips

Are you ready to buy a homes?

• Have you had a steady source of income for 2-3 years and is it a reliable source?
• Do you have any outstanding debts such as credit card or car payments?
• Do you have money for a down payment?
• A good record of paying your bills?
• The means to pay a monthly mortgage?

Become pre-approved

Once you choose a lender, they will perform an extensive check on your current financial status. They will determine the loan amount your will be eligible for. Doing this will help the seller know you are capable of buying a home and that no problems will arise.

Determine your needs

Make a note of why you are looking for a new home. Is your family growing, would you like to build equity, are you moving to a new town? Create a mental picture of what you would like your future house to look like. Make a list of must have items and another list of items you would like to have. It's extremely important to know exactly what you need in your new home. Give yourself a time frame for buying a home. THis will keep you on track and give you a guideline to follow. Your agent will be able to assist you once they know exactly what you want and will help to fulfill you needs.

Dave Werth

www.NewRealEstateProperty.com

This is the Fargo Moorhead Area's Top Internet Source on searching, buying, and selling Fargo Moorhead area Homes and Fargo Moorhead Real Estate with up to date listing information and detailed property MLS search capability!

NewRealEstateProperty.com offers property information related to buying and selling homes for sale in Moorhead and Fargo, West Fargo, Dilworth, Reiles Acres, Sabin, Glyndon, Oakport Township, Horace, Harwood, Cass County, Clay County, and surrounding Fargo Moorhead Real Estate.

This site is dedicated to relocation information for Fargo ND and Moorhead MN, West Fargo ND, Fargo Moorhead Surrounding Rural areas, and almost anything else related to living in or working the FM area. Please visit the links to Featured MLS Listings. You will find Fargo and Moorhead residential condos, condominiums, town homes, twin homes, investments, real estate and new construction properties marketed for sale and for rent by Top Fargo Moorhead Realtors.

Specific Information on Loans for VA, HUD, Short Sales, and Foreclosures are available by contacting Dave Werth directly.

Explore the communities of Fargo, Moorhead, West Fargo, Hawley, Glyndon, Harwood, Dilworth, Horace and Casselton, Kindred, Valley City, Lakes Area, North Dakota, and Minnesota, . Featuring extensive Fargo and Moorhead information links, consumer links, school information, free reports, answers to commonly asked real estate questions, First Time Home buyer Loans and much more.

If you're thinking about buying a home as a First Time Homebuyer, attend The Home Buyer/Homebuyer Education Program. The program can help you qualify for down payment and closing cost assistance up to $3,000 from the city of Fargo, ND, and $4,000 from the city of Moorhead, MN. Plan now to attend home buyer educational classes for FREE, as the homebuyer education classes and individual financial counseling sessions are available at Family Life Credit Services and The Village. Contact Dave about a Home buyer Education class schedule, or email Dave for more information on Homebuyer Education Classes and schedules. Dave is an instructor for First Time Homebuyer Education.

Are You......
a First Home buyer Homebuyer? Curious about houses and prices in Fargo, North Dakota, and Moorhead Minnesota? Wanting to move into Fargo Moorhead (or find rural property)? Preparing your home to sell: what do you do to get ready to sell? Wondering about down payment, financing, closing costs, interest rates etc?...... Are you Transferring, Relocating, Comparing home prices in the Fargo ND Moorhead MN West Fargo ND or surrounding FM area?
Thank you so much for your consideration! Search around my website for more information on Fargo Moorhead Real Estate and much more!

Dave Werth is one of the Top Fargo Moorhead Buyer & Listing Agency services. Dave is one of Kvamme Real Estate's Top Producers....Kvamme Real Estate Realtors are Members of the Home Builders Assoc, Graduates of the Realtors Institute, Certified Residential Specialists, Certified First Homes Specialists, & Fargo Moorhead Association of Realtors.....Specializing in Buyer Agency, Relocation, Investments, 1031 exchanges, New Construction, Residential Marketing.

My friends were good to me for Christmas. I received a Tivo! For those of you who don't recognize the name, you are missing out!

Tivo is a subscription service which is used with a Digital Video Recorder (DVR). Tivo learns from my TV watching and recording. Tivo makes suggestions based on programs I have selected to record. Tivo records shows, as space allows, based on your preferences.

Before Tivo I was recording every airing of Jim Cramer's Mad Money. With Tivo I'm recording the first 15 minutes of the 5p airing.

I'm now watching TV intelligently. However, I'm doing it from 10:30p - 12:30a M - F. That part isn't so intelligent!

One wonders what this has to do with real estate. I believe everything we can learn about the world around us and the markets we live in every day, makes us a better agent for our clients.

Hope everybody's 2009 is going well!

Over the country we hear about the foreclosure infrastructure and increased number of them over the past 6 months. According to a number of sources, get ready for a massive introduction in to the 2009 year, in the spring.

According to Fannie Mae, we will be seeing numerous foreclosures in March - July which will do a number of things, good and bad. Depending upon which side of the scale you are on.

If you are looking to buy a foreclosure, lets make sure you know what you are doing and find out everythign about the house, as nightmares can be at hand, but a great deal comes along with risk. Risk reward and you might just jump into instant equity with a little fixing up here and there. Make sure of these certain conditions when looking. Roof, Windows, Heating source, all plumbing lines, basement foundation, and any major electrical that might come up. If you do your homework and estimate a cost basis per home, no problem on what you know you need to pay for the home. But don't think the estimated market value will immediately go up, but it will. If you find out what the house sold for previously and what the current market conditions are doing on a CMA from an agent, you will know what they are worth, as you want to look at the low CMA numbers not the median or average. If you can get it 20% less than the low, and that is with your estimated work into the property. Get ready to make bank. If you hold on to your investment, rent, flip, or whatever, do your numbers before you put an offer, even if it sounds like a great deal. Make the numbers work for you first.

If you are looking to sell, keep in mind, the repo's out there will lower home value's because they are also used as Comparable sales, which are lower usually than the current market conditions, bringing the sellability or high price of your home, down. Look for great deals to buy homes in 2009 and be cautious when selling because yours might just be lower than your expected due to this reason. If you can do a few things that create value, not curb appeal, or shiny new sinks, you can do alright. if you watch HG TV, remember, your market is different from there show if you don't live in the area they are airing. So what they do to improve and some shows make it easy to flip cuz these people do it on a daily basis. Increasing value to your home are some minor things, but don't put yourself upside down trying to do them either. Look at a return on your investment at even to even so if you put in 10K don't expect to get 15K more because it doesn't work that way anymore or right now currently in our market condition.

Keep your head above water, get a CMA on the one you want to buy or sell, and listen to the pro's as they are in the pits fighting for clients and make sure your agent is a good one!

www.NewRealEstateProperty.com

Dave Werth 218-790-7653

davew@kvammerealestate.com