Dave Werth ABR GRI

Real Estate Definition & Terms “A piece of land, including the air above it and the ground below it, and any buildings or structures on it. also called realty.” Real Estate Terms commonly used: First Time Home Buyer, First Time Homebuyer, HUD Homes, Best Assets HUD Homes, Best-Assets HUD Homes, Realtor, Realtors, Real Estate Agent, Real Estate Professional, Personal Property, abandonment option, abeyance, title, asset class, REIT, capital asset, fixed asset, closing statement, mortgage, REMIC, commercial property, economic rent, income property, passive income, listing, exclusive listing, illiquid, non-financial asset, right of redemption, tenancy, time-sharing, real estate owned, Listing Realtor, Exclusive Realtor, Buying Realtor, Listing Agent, Buying Agent, Buyers Agent, For Sale By Owner, Home for sale by owner, For Sale, Realtors, & Real Estate Specialist, 1031, 1031 Exchange, Short Sales, Pre Foreclosure, HUD properties, Foreclosures, Sheriff Sale, Redemption Period, Equitable Redemption Period, Statutory Redemption Period, Early Move in Agreement, Purchase Agreement, Property Condition Statement, Lead Based Pain Addendum, Addendum, Disclosure, Contact Dave Werth Realtor with any Real Estate Questions you might have or Real Estate terminology you are interested in understanding. Information on HUD Programs, REPO's, Foreclosures, Short Sales, & Discounted Property's in the Fargo or Moorhead Real Estate markets. Dave is the Northwest territory representative for HUD homes. Working with Best Assets, Dave has the detailed information on all HUD homes in Moorhead, and surrounding area HUD homes within 200 miles of Fargo & Moorhead. HUD homes are FHA guaranteed homes that went into foreclosure and are offered for sale on Best Assets. Purchase a HUD home through Dave and find out how to get the lowest price on a HUD home with his resources. Dave Werth, FM Area Realtor is one of the best sources for people searching for RELOCATION DEPARTMENTS such as jobs, homes, education, food, and entertainment. I have created this website with its numerous search tools to help people browse the multiple listing system on their own & at their own pace. When they are ready to relocate or make a move, I am ready for them to give me a call. Buyer's Agents working with me, have access to ALL companies and ALL the homes for sale located on the MLS. It is my obligation to find property for my clients, buyers, & sellers. Talk to Dave Werth Realtor about searching, buying, and selling Fargo Moorhead area Homes and Fargo Real Estate, Moorhead Real Estate, West Fargo Real Estate, or any of the Fargo Moorhead Rural Real Estate Property all the way to the Lakes Area Real Estate! Dave Werth Real Estate Agent & Real Estate Specialist offers property information related to buying and selling homes for sale in Moorhead and Fargo..... and links for listing information about North and South Fargo & Moorhead neighborhoods, Downtown Fargo businesses, West Fargo and Fargo Moorhead schools, house value, area home values, appraisals, taxes and special assessments, Cass and Clay County and FM area maps, mortgage financing in Fargo, buying tips, selling tips, relocation information for Fargo ND and Moorhead MN, and almost anything else related to living in or working the FM area. . Please see the links to MLS Property Search listed on the home page, as well as Featured Listings, and Selling links. 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 Realtor Dave Werth. NewRealEstateProperty.com offers information on VA, HUD, Multiple Listing (MLS), Owners (FSBO), Banks, Apartments Association, Commercial Agents, and Homebuilders. Explore the communities of Fargo, Moorhead, Dilworth, West Fargo, Hawley, Glyndon, Harwood, Reiles Acres, Detroit Lakes, Sabin, Horace, Harwood, North Fargo, South Fargo, and Casselton. This site has extensive Fargo and Moorhead information links, consumer links, school information, free reports, answers to commonly asked real estate questions, Use these key terms to find information about a specific Realtor, MLS Listing, MLS Fargo Homes, MLS Moorhead Homes, Fargo Homes for sale, Moorhead Homes for Sale, For Sale by Owner, Fargo Moorhead Homes for sale, FSBO, Fargo Property for Sale, Moorhead Property for sale, Fargo Realtors, Fargo Moorhead Realtors, Moorhead Realtors, Homes for Sale Fargo, Homes for Sale Moorhead, Homes for Sale West Fargo, and Homes for Sale Dilworth. First Time Home buyer Dave Werth, First Time Home buyer Fargo, First Time Home buyer Moorhead, or First Time Home buyer Fargo Moorhead Please visit the First Time Homebuyer link on the home page for information on First Home buyer Loans & First Time Home Buyer Classes ! North Dakota and Minnesota have specific programs for First Time Home Buyer Programs. If you're thinking about buying a home, attend The Home Buyer Homebuyer Education Program, & First Time Home Buyer Classes. The program can help you qualify for down payment and closing cost assistance from the city of Fargo, ND, and the city of Moorhead, MN. Free Home Buyer Assistance is available for First Time Homebuyers with Free counseling. Plan now to home buyer FREE homebuyer education classes and individual financial counseling sessions. Contact Dave Werth for additional information on First Time Home Buyer classes and dates. Dave Werth - ABR Kvamme Real Estate davew@KVAMMEREALESTATE.COM

Dave Werth

Kvamme Real Estate

3401 S. 8th St.

Moorhead, MN 56560

www.NewRealEstateProperty.com

I want to extend a very special and BIG WARM WELCOME to all of the email subscribers & clients. It contains tips and information that will help you stay abreast of the Real Estate Market & become more successful, both personally and professionally. The goal is to make it a quick read.

Housing on the move

The houses in the Fargo Moorhead area have been moving steadily over the past 6 months. The $8,000 stimulus package has made an opportunity for both buyers and sellers to remain in the driver seat. With the November deadline coming and the winter coming, we may predict a slowdown in housing, as a consistent year event. The houses effected by the stimulus are typically in the first time home buyers range which are around $80,000 to $135,000. 2nd Homes are typically in the next price range and up to around $225,000. There will be a winter buyers market coming very very soon!!! In addition, the National Association of Home Builders (NAHB) Housing Market index rose to the highest level since June 2008, indicating an improvement in home builder confidence. The NAHB also reported that housing affordability during the second quarter of 2009 remained near record levels. The improvement in home builder confidence was reflected in a fifth consecutive month of increased single-family housing starts in July. High affordability, low interest rates, and the first-time homebuyer tax credit combined to improve sentiment and stimulate housing market activity.

•1. Quote of the Month

"The choices we make during adversity and conflict show our true character."

Interest Rates

Interest Rates are currently still below 6% and holding. We have seen a long string of rates from 5.3% to 5.75% depending upon credit and additional factors. The glass ball looks like rates may climb, but that is all speculation. Watch the 10 year treasury to see how that is doing as that usually gives us the most accurate indication or green light of the future. I predict the rates to climb and inflation to start taking some toll on rates. Looking back on the past, I found my first vehicle loan paperwork, and the interest rate was at 8.5% and we still bought cars and houses back then too!!!

ALZHEIMERS' EYE TEST
Count every ' F ' in the following text:

FINISHED FILES ARE THE RE
SULT OF YEARS OF SCIENTI
FIC STUDY COMBINED WITH
THE EXPERIENCE OF YEARS...
(SEE BELOW)

HOW MANY ? Really?

The reasoning behind is further down.
The brain cannot process 'OF'.
Go Back and Try to find the 6 F's before you scroll down.

Invest In Your Future - How to Avoid Being the Victim of an Investment Scam

It is a common occurrence to see newspaper headlines about investors being scammed. These crimes are not isolated to the senior citizen population or to a specific geographical location. Scam artists victimize all sorts of investors across the country.

The question becomes "How do you protect yourself from becoming the next victim?" The following contains a listing of suggested tips that you can use to defend yourself:

•1. Never spend money on investments solely on the basis of a phone call.

•2. Don't be rushed by "buy now" investments. Legitimate investments will always be available.

•3. No one can guarantee a risk-free investment.

•4. Never give personal information over the phone, especially social security number, credit card number, or bank account information.

•5. If you don't understand it, don't buy it.

•6. Always remember, if it sounds too good to be true, it probably is.

•7. Do not invest due to fears (e. g., health care, inflation, or interest rates). Fear clouds judgment.

•8. Request written information and consult your financial advisor.

5 Things that make you wonder??????

1. Was learning cursive really necessary?

2. Lol has gone from meaning, "laugh out loud" to "I have nothing else to say".
3. Whenever someone says "I'm not book smart, but I'm street smart", all I hear is "I'm not real smart, but I'm imaginary smart".

4. I find it hard to believe there are actually people who get in the shower first and THEN turn on the water.

5. I would rather try to carry 10 plastic grocery bags in each hand than take 2 trips to bring my groceries in

_____________________________________________________________________________________________________________________________

Sincerely,

Dave Werth

218-790-7653 Cell

218-236-7534 Fax

davew@kvammerealestate.com

www.NewRealEstateProperty.com

Kvamme Real Estate

3401 S. 8th St.

Moorhead, MN 56560

MN & ND HUD PROPERTY EXPERT

EASY TO BUY w/ Great Pricing!!!

Contact Dave Werth - davew@kvammerealestate.com or 218-790-7653

Work with someone who knows HUD properties, foreclosures, Short Sales, and save yourself countless hours of waiting for a response! Lets get you started so contact Dave and lets get MOVING!

Man, what a great year in real estate. 8K to push buyers, home prices are low, and the house sales are up tremendously for the first time in maybe 6/7 years.

Its Aug. 1st and it seems like the past week, the market just fell out from underneath itself as it did the past 3 years. Do people not look for homes around this period or is there something major going on this time of year. School shopping maybe, college kids getting ready to head out of home for school shortly, people going to the lakes to get what is left of the summer or maybe... I don't have a clue???

Anyone got any ideas why each year it happens? Cuz I love blogging at open houses instead of meeting new buyers, not!!!

www.NewRealEstateProperty.com

Contact Dave Werth for more statistics or additional information on the greater FM area!

www.NewRealEstateProperty.com - 218-790-7653 Cell/Anytime

Fargo is the largest community in North Dakota. Moorhead borders Fargo to the east. The communities are located near the intersection of I-94, which runs east/west, and I-29, which runs north/south. Residents have easy access to several forms of transportation including the Hector International Airport, Amtrak train station and Metro Area Transit - the city's bus system.

The Fargo Public School District provides instruction through 15 elementary schools, three middle/junior high schools and three senior high schools. There are also several private schools in the community.

During the summers, students in grades 6-12 can participate in the Trollwood Performing Arts School, a unique youth development program committed to providing high quality performing arts education, community entertainment and an appreciation of the arts. The program takes place in Trollwood Cultural and Arts Park and utilizes 36 acres of wooded riverbanks, open-air stages and Fargo Moorhead was voted the #1 area to start a business in 2006. In 2005, Fargo Moorhead was one of the Fastest "Top 10" growing cities in the United States. In 2007 New Home Construction grew 4.7%. Fargo Moorhead Real Estate continues to grow each day & is not showing any signs of slowing up soon. Major areas of growth today are; South East Moorhead, the Osgood area by West Fargo, & rural Sabin, Glyndon, Dilworth, Barnesville, Mapleton, Casselton, and Horace. Rural Real Estate has become popular due to lower taxes & a very short commute.

Fargo is the largest community in North Dakota. Moorhead borders Fargo to the east. The communities are located near the intersection of I-94, which runs east/west, and I-29, which runs north/south. Residents have easy access to several forms of transportation including the Hector International Airport, Amtrak train station and Metro Area Transit - the city's bus system.

The Fargo Public School District provides instruction through 15 elementary schools, three middle/junior high schools and three senior high schools. There are also several private schools in the community.

During the summers, students in grades 6-12 can participate in the Trollwood Performing Arts School, a unique youth development program committed to providing high quality performing arts education, community entertainment and an appreciation of the arts. The program takes place in Trollwood Cultural and Arts Park and utilizes 36 acres of wooded riverbanks, open-air stages and renovated farm buildings to conduct its program every year. A major production of a main stage musical that features the students as participants is the highlight of this program.

For those seeking higher education, there numerous colleges and universities located within 50 miles from the city center. North Dakota State University is a four-year institution and is located right in town. Concordia College and Minnesota State University are located in nearby Moorhead. Northwestern Technical College, also located in Moorhead, is a two-year campus that offers programs for associate degrees, diplomas and certificates as well as technical training courses.

The Fargo Park District prides itself on the numerous beautiful parks located throughout the city offering everything from ball fields and basketball courts to picnic facilities and shelters. The district oversees several other facilities including the Robert D. Johnson Recreation Center, the Edgewood Chalet, the Northern Pacific Depot and three indoor ice facilities; Coliseum, Sports Arena and Metro Rec Center. In the winter, skiing, sledding and tubing are available at the Edgewood Chalet and the Dike West.

The Northern Pacific Depot has been a Fargo landmark since its construction in 1898. In 1971 Burlington Northern, successor to the Northern Pacific Railroad, deeded the depot and its grounds to the city of Fargo. Momentum to preserve the historic landmark began to gather steam. In 1975 it became the first Fargo building entered on the National Register of Historic Places, and a campaign was begun to restore its interior. Presently owned by the Fargo Park District, the depot also houses the Fargo Senior Commission and the Senior Center.

Fargo offers a wide array of entertainment opportunities from sophisticated drama to world famous singers to an old-fashion rodeo. The Celebrity Walk of Fame - located at the Convention and Visitors Bureau -- is a growing collection of more than 100 star signatures, handprints and footprints in cement.

Fargo prides itself on its rich history. The initial settlers in the area were Scandinavian, German and European immigrants. The city was named for William G. Fargo, a partner in the Wells-Fargo Express Company. Early Fargo was then a collection of small shops, stores and warehouses that were clustered along Broadway and Front Street. In 1893, nearly all of downtown Fargo was lost in the Great Fire of that year. After the fire, new construction favored more fire resistant buildings. Fargo continued to expand during the national economic boom that started in 1898 and ended with World War I. During the war, The Ford Motor Company built a large assembly plant downtown on Broadway and the Northern Pacific Railroad came through the area. Both of these events brought more residents to the area.

Today, Fargo is a rapidly growing cosmopolitan or as the locals call it a micropolitan city. While some may believe that Fargo is a place of never ending snow and unusual accents, the city has been consistently recognized as a place where an excellent quality of life can be found.

But there is more than just parks to enjoy throughout the year. There are a variety of golf courses in the area and the Red River Valley is home numerous bike and walking trails. Zoos, museums, theatres and historical sites are located throughout the area. With 300 acres of bluestem prairie woods, a swimming area, camping and river communities, Buffalo River State Park is well suited for family fun and environmental education. A variety of free programs and field trips are offered to the public, area school districts and other groups.

Another great diversion for residents and visitors are the many shopping possibilities. The First Center South, the Northport Shopping Center and the University Square are all located in Fargo. The busiest area in Fargo is around I-29 and 13th Avenue and this is where the largest shopping mall in the region is located. West Acres Shopping Mall features retail stores, department stores and a host of restaurants. There is also an antique mall for those that are looking for that special antique.

renovated farm buildings to conduct its program every year. A major production of a main stage musical that features the students as participants is the highlight of this program. Contact Dave for more statistics or additional information on the greater FM area!