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!!!
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!
How to Sell Your Home
Getting Started
1. CMA Market Value
Standard ways to determine how much a home is worth. A comparative market analysis and an appraisal are the two most common and reliable ways to determine a home's value. Dave can provide a comparative market analysis, an informal estimate of value based on the recent selling price of similar neighborhood properties. A CMA will have comparable homes that have sold within the past year and includes the listing, asking price, current homes for sale, days on the market and values per square foot. An estimate of value is given and there are variables that make a difference such as specials, closing costs, additional fees, or improvements to the property. All of these influence the CMA to give you true market value or what your property should be listed at or the value of your home. City and County tax values should not be used for the CMA as each area varies and marketable property values are separate from taxable property values.
2. Listing prices
The difference between listing price and a sales price. The list price is your MLS advertising price or the asking price for a home. The sales price is the final price paid for on a property. The sales price is the actual amount the home sells for.
3. Disclosures
Property Condition Disclosures are used by sellers to give the buyers a chance to see information about the property while the sellers have lived there. Such as any changes to the property, improvements, damages, flooding, hail, environmental concerns, methamphetamine production, and basic facts about the property and structure of the home. This is a report that the sellers provide when selling their home, of all facts of the property while they lived there. If the house is a foreclosure, the banks do not have to offer a disclosure condition report. Usually the property in a foreclosure is sold as is.
4. Staging the home to sell.
Rule of thumb is bigger, cleaner, and not broken. What sells a home the most is the price. Houses must be ready to sell, and cleaned free of debris inside and outside, and must appear to be clean and spacious. Clutter is a houses worst enemy. For example, go to a furniture store, and look how that is staged. Clean, organized, and free of bad odors. Smoking, pets, and environmental smells will create a bad stigma for buyers. From the curb to the good bye, the house should be prepared and ready to sell, or put the listing on hold until this is done. Ask Dave how to get a house ready to sell. Putting money into your house before you sell, can make a difference, only if it is to bring it more marketability, not improvement to the price. Improvement to the price must be looked at closely with an agent, as this is the biggest myth sellers do not discuss with their agents when trying to increase the value of their home. Money spent in areas of improvements should be: Professional cleaners, carpet cleaners, paint, window cleaners, professional movers cleaning out the house to look bigger & spacious using storage units if possible, fixing minor broken things to repair, and the entry into the house should be clean and free of anything. Contact Dave to help you understand where to spend your money wisely instead of wasting it on your old home, when you could of used it on your new home.
5. DOM or days on the market
How many days on the market is it going to be before my house will sell? The biggest question is how well is your home priced. The right price will bring you more traffic and more offers. If you are too high, you may scare away buyers and don't think that someone just might place an offer just to shoot you low. Pricing your house accordingly to what your agent knows what it will sell for, is the best way to go. Your mindset of how much it's worth to you, is not how much it is worth the buyers. The market will dictate the price, and length of time it will take to sell. Check with your agent on the average days on the market for a home similar to yours as this should also be included in your CMA or market analysis. Each area varies, and each market will fluctuate year to year.
6. Contracts and Offers
There is no such thing as a low ball offer. Its only an offer the buyers are willing to start the negotiations with. Do not be offended by any offer, as the rule of thumb is sometimes your first offer might be the only one you might see, or the only one you can negotiate with. Your agent will advise you of techniques within a contract to make things come together, and bring more buyers offers coming. The purchase agreement will give you the terms and strengths of the contract which usually indicates a lot of information, as the buyer's agent cannot disclose any information besides price, terms, and motivation. Reading into a contract is impossible to do, so don't spin your wheels to fast. The earnest money is sometimes an indication, but not to be a determining factor. Offering price, date of closing, where the buyers are from, pre approval letter, additional addendums, assumed specials, closing costs, and warranty & inspections will give you an idea of how serious they are. There is not one thing on a Purchase Agreement that will give you more insight than another. If the property is offered cash, this is sometimes the stronger offer, as there are no financing hang ups or money that will be asked to drop because of appraisal issues. Also home inspections are also a buyers source of negotiations which can hinder a buyer from purchasing your property. I do not recommend getting a home inspection report to give to buyers as this is sometimes a waste of your money, that can be used in negotiations. Contracts and offers should be looked at carefully with your agent and bad or good, do not get discouraged, as it is a sign that your agent is successfully marketing your property in the eyes of the public and realtors.
7. Closing Dates
When are we going to be closing and they are going to take possession of our home? The closing dates are in the purchase agreement and should be followed through with. There are some cases the closing dates do change so don't get too worried. Talk with your agent about any closing date changes and opportunities that may arise. When getting ready for your closing date, make sure to follow instructions from your agent about times and closing information you will need to provide your closing company. You have the choice of choosing a closing company or having your agent choose one for you. Your agent may have good relations to make the closing smoother with a preferred closing company, and I suggest letting them choose one for you. Just correspond what times work best for you. Who goes first? It will change sometimes as the buyer usually will go before the seller and the other way around, so don't worry about whom goes first. Money has to be released to the closing company in order to consummate the sale of the property and final numbers are final. Make sure to get a HUD 1 statement a day or two in advance to see what your final amount will be if you are or are not receiving money back. In some cases sellers will have to pay in some money if they are upside down on their homes. The closing company will provide you with a HUD 1 statement and your agent and you should review all of the line items on each statement to make sure everything is accurate before you go to closing.
8. The day of closing
Under the purchase agreement you have till the closing time, to have the property removed. You do not have to have everything out before the final walk through. Some agents are impatient and want their clients to check out your home before closing, which is fine, but they need to understand moving is not an easy process. To make your house readily available for possession is certainly the right thing to do. Round up all keys, garage openers, brochures on included items being sold, receipts of improvements, mechanical companies you worked with, and let your agent know where they are at so they can get dispersed to the buyers at the time of closing. Make sure to contact all utility companies, phone companies, city records, post office, rental agreements, fuel companies, and additional bills you have coming to your property and advise them that you are moving. You may decide to have your carpet professionally steam cleaned as this is not a requirement of selling your property, but if it is in the contract, you must have it completed before closing. Some people will have the carpets cleaned just in good standards for the new home owners to show them appreciation of buying their house. Try to clean the house as you would like to have done when you move into your next home. Do not try to get sneaky about things, as everything must be disclosed before you close, as some final walk through will come across issues that can create problems. Follow your purchase agreement terms, and get ready to close on time. Bring a drivers license to your closing. If you have to pay for any liens, mortgage satisfactions, or any money, contact the closing company to make sure what type of funds you may pay them with. At the closing, you will have quite a stack of papers to be signed. Make sure to sign your name just as they ask, and to make sure to keep all documentation you receive that day, and store it in a safe place for records. Tax information may be used later by your tax advisor, so have all information readily available for easy access. Other than that, congrats, as you just sold your home, and it's time to move on!
Buyers Tips:
Thank you for your interest in looking to make a move! Below is a list of information I have provided to make you understand the process when looking to buy a home. Remember, it starts out with a great Realtor with knowledge of the market, financing, information about the house, insurance information, up to date education, and experience.
Dave just completed taking his ABR (Accredited Buyer Representative) & continuing educational GRI (Graduates of the Realtors Institute), classes in 2008, as well as real Estate High Tech Internet Marketing in 2007. Dave Werth is a First Time Home Buyer Educational Instructor for First Time Home Buyers looking in the Fargo Moorhead and surrounding FM area. Dave Werth is the only FM area Realtor that deals with Minnesota HUD properties, such as pre-marketing, pre-inspection, and provided information for the Broker Price Opinion. Dave Werth is one of the Top Fargo Moorhead Buyer Agency services & a Top Producer at Kvamme Real Estate....Kvamme Real Estate Realtors are Members of the Home Builders Assoc, Accredited Buyer Representatives, 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.
1. First Time Home Buyer Education
First Time Home buyer Loans and much more. If you're thinking about buying a home, attend The Home Buyer/Homebuyer Education Program/First Time Home Buyer Educational Classes. 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 has been an instructor for First Time Homebuyer Education for 4 years.
2. Pre-Approval / Pre-Qualification
Looking for a Home Mortgage Lender, let me choose one for you that will fit your needs and your personality... The best way to find a good lender is to ask a Dave Werth for a referral or go to the Preferred Referrals tab located at the top of the home page for suggested references. Avoid advice from agents or others who receive a kick-back commission for referring you, because you may pay for this referral with added charges to your loan. Dave's preferred lenders have proven the upmost professionalism and do not provide internal commissions for referring clients to one another.
Lender's Checklist
Ask potential lenders about the following requirements and costs according to a price range you think matches your needs. This also helps determine what you need to look for in a property.
1. Qualifications:
- Middle credit score
- Income
2. Loan costs:
- Points
- Processing fees
- Additional "garbage" fees (underwriting fees, loan documentation preparation fee, filing fees, credit report)
- Hidden costs
- Prepayment penalty
- Interest Rate
- PMI (mortgage insurance)
Are loan costs added to loan or prepaid? Is the seller allowed to pay a percentage of nonrecurring closing costs for the borrower? What is the maximum allowable seller contribution?
3. Requirements:
Percentage of purchase price required down? Or loan to value ratio? What about the condition of the property? Do they finance "fixers"?
A Better Way to Find Your Lender
After you work through all the details of the lender's checklist, you understand better the available possibilities. Now, from a different point of view, work backwards. Instead of asking the lenders what they offer you, tell them what you want and find the lender who best matches your terms. Create your own wish list of your personalized loan needs.
Personalized Borrowers Lender Checklist
Is this purchase an owner-occupied or an investment property?
What percentage do you want to put down?
If you want to sell right away, can you avoid prepayment penalties?
Do you need the loan to finance a fixer?
How much of a fixer do you want to tackle?
How flexible are the lender's appraisers?
Do you need a cooperative appraiser?
Do you care about "garbage fees" and need costs to be added to the loan?
Do you want to pay PMI, or a first and a second, or neither?
Do you want the seller to contribute to your closing costs?
How much do you want the seller to contribute?
How many points do you agree to pay up front or add to the loan?
Are super low payments available?
3. Open Houses / Private Showings / MLS / Automatic MLS email / IDX MLS websites
Time to start the search... There are a number of ways to look for homes, and you have your choice of any option you want to work for you!
If you would like to get the most out of looking for a home, up close and personal is the way to go. So how do you get to that point? Start out by having an auto search set up for your specific details you are looking for in a home. All of Dave's clients have automatic emails sent directly to their emails with up to the minute notifications of new listings, price reductions, and informational changes. Staying on top of the market is very important, and a must when looking for the perfect home. Once you have the MLS auto email search set up to go, make sure you are aware of what an IDX MLS search can do for you. Great websites will have an IDX search engine which will allow you to privately search online at all of the MLS or multiple listing service houses for your area on your own time. This search engine is located on the home page of this website, under the tabs, property search. This will allow you to look at all houses actively for sale on the MLS. This also will allow you to view information about each individual property specifically, as well as photos, and disclosures about the property. This information is only as good as the messenger, so the real test is going to look at the property. The best way to find the perfect property is going to look at them in person. Open houses are nice, but keep in mind, they have people there when you are looking. If you want privacy, a private showing is the way to go. Dave and his clients will find a number of houses/properties first, and then take the time to go out and view properties to see. Regardless of the number of homes looked at, until it is the right one, keep looking !!! Once you find the perfect home, you will know. Ask Dave about being added to the automatic MLS property search, which is set up specifically for you, and start the search today!
4. Property Condition Disclosures / Clue Reports / New and Old Improvements / Permits
Each property sold in ND & MN will be required to provide a property condition statement by law unless it is a REPO/REPOSESSED PROPERTY/BANK OWNED/HUD and or managed property. They are not required to provide this as being a lien holder or management company for the bank. The property condition disclosure is information about the property given by the seller to the public or any interested buyers, stating all information and facts about the property while they were living there. Any improvements, changes, updates, upgrades, issues, problems to the property, are to be provided in the disclosure for the buyers to review before any actions are required. Any additional questions should be pointed to the listing agent to find out the correct answers. Clue Reports are information regarding to insurance claims that may have been placed or ordered on the property. Clue Reports will give a history of the property and all claims that were involved with the property. Issues such as hail, flooding, or any major damages are easily found in a Clue Report and provide the buyers protection from unwanted problems, or un resolved problems. Some claims may have awarded the home owners, and the money awarded was not used to correct the problem. A CLUE REPORT should always be reviewed before placing an offer on a property, or a contingent offer based upon review and acceptance of the CLUE REPORT. New and old improvements should be disclosed as well as any permits that are needed for certain improvements. Daves education through ABR & GRI classes gives him a huge advantage in understanding potential problems that may arise and this can save the buyer thousands of dollars down the road.
5. Tax information / Specials / Unpaid Specials
Each property has tax information available at the assessor's office. It is the agents responsibility to find out this information for their clients, but it is ultimately the clients responsibility to understand all tax information that is provided to them from the agent or the public records at the assessor's office. Each property has yearly taxes due. New construction may have a delayed property tax situation, or abated tax situation, but ultimately will have taxes due when the project is complete and in full force. To find out the property taxes due, contact your local city hall, and they should be able to provide you with that information. To figure out your monthly taxes due, divide the full amount by twelve months and that will give you your monthly taxes due. 95% of taxpayers have them paid out of their monthly mortgage payments automatically. You do have the ultimate choice of paying them in your mortgage or on your own time. Taxes are due two times or twice a year. Delinquent taxes can result in major penalties and can create a pre-foreclosure process. Paying your taxes on time is a must! Specials Installed and Unpaid specials, are assigned to an individual property to help pay for new improvements. Each new improvement is usually voted upon at a city council or by the city council members and approved or pending. Once it has been approved, the property may be assessed an improvement and specials will be due. Specials installed are to be paid in the year, and unpaid specials are the amount owed for the entire project. The unpaid specials will usually have a duration set by the improvement and also an interest amount given over the duration of the unpaid period. For instance a new curb and sewer project could be performed to improve the old ones, and the project may cost each house $15,000 which is the unpaid specials. The unpaid specials of $15,000 may be paid over a period of 20 years with 5% interest applied to the loan. The unpaid specials will stay with the property until paid in full. The installed specials is a small amount of the unpaid specials which is to be paid per year, such as in this scenario, the installed specials might be as low as $450 per year for 20 years to complete the payment for the new curb and sewer. Contact Dave for more information on any of the listed information as it can be very confusing and should be fully understood before buying a property. In some cases, the specials may not be disclosed by the seller, as they may be unaware, as it is up to the agent and buyer to double check with the city to make sure there are no upcoming specials.
6. Time to make the offer...
What about the...
earnest money, the down payment, financing, closing costs, home inspection, home warranty, interest rates, addendums, closing dates, possession dates, closing company, purchase agreement, proration of taxes, special conditions and requests... These are questions Dave will answer when you give him the opportunity of working with you!!! When it's time to make an offer, it's time to discuss the above list of items that will take place in the sale of the property you are interested in. Contact Dave to review the process and to make sure you are 100% protected when you are ready to make the big move!
RELOCATION
Dave Werth, FM Area Real Estate Specialist is one of the best sources for people searching for RELOCATION DEPARTMENTS such as jobs, homes, education, food, and entertainment. I am ready willing and able to help fulfill these needs. 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.
Job Opportunities & Employers of the Red River Valley
Here are some of the Major Employers and the numbers of employees.
Merit Care Health System Healthcare Services 6,100
North Dakota State University Education/Training 3,745
Noridian Mutual Insurance Company Insurance 2,033
American Crystal Sugar Company Manufacturers 2,000
Blue Cross Blue Shield of North Dakota Insurance 1,800
Fargo Public School District 1,300
Dakota Clinic, Ltd. Clinics - Medical 1,104
Shooting Star Casino, Hotel & Events Center Casinos 1,000
Microsoft -Fargo locations Computers - Software/Service 960
US Bank Service Center Business Services 925
Moorhead Area Public Schools Education/Training 800
District #6 Education/Training 789
CNH America LLC Agriculture - Equipment 765
City of Fargo Government/Military 702
Concordia College Education/Training 662
Department of Veterans Hospitals 655
Scheels Sporting Goods 625
Minnesota State University Moorhead Education/Training 624
Phoenix International Corp. Manufacturers 600
Innovis Health Hospitals 580 Magic CasinoHornbacher's Foods Grocers 540
Dakota MagicCasino & Hotel Casinos 506
Wells Fargo BankInstitutions N.A., Moorhead Financial Institions 465
District #6 Education/Training 789
CNH America LLC Agriculture - Equipment 765
City of Fargo Government/Military 702
Concordia College Education/Training 662
Department of Veterans Hospitals 655
Scheels Sporting Goods 625
Minnesota State University Moorhead Education/Training 624
Phoenix International Corp. Manufacturers 600
Innovis Health Hospitals 580
West Fargo Public School
Magic Casino Foods Grocers 540
Dakota MagicCasino & Hotel Casinos 506
Wells Fargo Bank Institutions N.A., Moorhead Financial Institions 465
Aggregate Industries Concrete Products 450
Prairie St. John's Hospitals 425
FARGODOME Arts/Entertainment 420
State Bank & Trust Financial Institutions 420
PRACS Institute, Ltd. Research and Development 419
Cass County Commission & Department Heads Government/Military 410
DMS Health Group Medical Equipment/Supplies 400
Wanzek Construction, Inc. Contractors - General 400
Up/Stream LLC Call Centers 395
U. S. Postal Service Shipping/Delivery 388
Bobcat Company Manufacturers 370
Eventide Nursing Homes 351
Bethany Homes Assistant Living 350
Fargo Park District Recreation 350
Integrity Windows and Doors Manufacturers 350
Dakota Boys and Girls Ranch Social Services 325
Spirit Lake Casino & Resort Casinos 325
Wells Fargo Bank, N. A., Fargo Financial Institution 324
Qwest Corporation Telecommunications 320
Clay County Dept. Heads & Program Directors Government/Military 317
Bank of the West Financial Institutions 307
The Forum Newspapers 300
Friendship, Inc. Disability Services 300
North Dakota State College of Science Education/Training 300
Northern Improvement Co. Paving Contractors 300
Swanson Health Products Health/Nutrition 300
Cass-Clay Creamery Corporate Office Dairies 297
Madden's on Gull Lake Resorts 290
Eide Bailly LLP Accountants/Accounting Services 280
Lutheran Social Services of North Dakota Social Services 265
Pepsi Cola Bottling Co., Inc. Beverages - Wholesale/Distributors 265
Wal-Mart - Fargo, ND Department Stores 261
McDonald's Restaurants of Fargo Moorhead and West Fargo Restaurants 255
Dave Werth works Evenings and Weekends
So call now. I want to help you find your way home. Thank you so much for your consideration! Search around my website for more information on; Buyer Agency Website: Find all Fargo Moorhead, West Fargo, CASS County and CLAY County Multiple Listing homes here! Find a dependable Buyer's Agent with Dave Werth! Guaranteed Satisfaction! Try Dave without any obligation! It's my job to help careful buyers into a home. I want to help! 218-790-7653
If you fit into one of the categories listed, contact Dave for more information: Homes for Sale Fargo / Homes For Sale Moorhead / Homes For Sale Fargo Moorhead / Homes For Sale By Owner Fargo / Homes For Sale By Owner Moorhead / Homes For Sale By Owner Fargo Moorhead /
NewRealEstateProperty.com offers property information related to buying and selling homes for sale in Moorhead and Fargo..... and links for listing information about North and South Moorhead neighborhoods, Downtown Fargo businesses, West Fargo and Fargo Moorhead schools, house value, 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 our links to 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 Realtors, Kvamme Real Estate, VA, HUD, Multiple Listing (MLS), Owners (FSBO), Banks, Apartments Association, Commercial Agents, and Homebuilders.
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, Kvamme Real Estate will List and Sell Homes Faster and with lower costs as buyers are continuously using this website to find homes to buy in Fargo, as well as Moorhead 56560, Dilworth, Hawley, Glyndon, Hitterdal, Hendrum, Lake Park Audubon Audobon, Cormorant Lakes, Detroit Lakes, Sabin, Downer, Rollag, Vergus, Pelican Rapids, Felton, Georgetown, Perley, in Minnesota and West Fargo 58078, Mapleton 58059, Casselton 58012, Prosper, Gardner, Grandin, Argusville, Kindred 58051, Colfax, Christine, Davenport 58021, Leonard, Hillsboro 58045, Hope 58046, Page 58064, Arthur 58006, Absaraka 58002, Wheaton, Horace, Harwood, Hunter, Reiles Acres, Frontier, Prairie Rose, Amenia, Hickson, Oxbow, and North Dakota.
Kvamme Real Estate - Fargo Moorhead & Surrounding
Search All Area Homes for sale at:
www.NewRealEstateProperty.com
Fargo Moorhead First Time Home Buyers
Purchasing your first home will be one of the biggest financial decisions you make in your lifetime. Welcome to the First Time Homebuyer Center
This is not a decision you want to go into with your eyes closed. Many times in this process you will be asking yourself "Who can I trust? What is the next step? How do I know if I am getting a good mortgage product?" Dave Werth Real Estate First Time Home Buyer Educator/Instructor is here for you!
Dave Werth works with Family Life Credit Services located in Fargo ND & Serves North Dakota & Minnesota First Time Homebuyers. Family Life Credit Services are Certified First Time Homebuyer Educators serving Fargo, Moorhead, West Fargo, Dilworth, FM Rural areas, and all of ND & MN. They offer an eight hour workshop that will educate you on all you need to know about purchasing your first home. Once you have completed the workshop you are entitled to a one-on-one counseling session where you and your homeownership counselor will develop an action plan to help you realize your dreams of owning a home. Each person will recieve a First Time Homebuyer Certificate after completion of the class.
Most communities offer incentives for First-Time Homebuyers such as Down-Payment and Closing Cost Assistance as well as below market interest rates guaranteed by the government. Many of those funding program will only be granted if you attend a Certified Homebuyer Education Workshop.
Some of the topics covered in our workshop are:
Is Homeownership Right for You?
Lifelong Money Management
Financing a Home
Qualifying for a Mortgage and the Loan Application Process
Shopping for a Home
The Closing Process
Preventing Foreclosure
Life as a Home Owner
Predatory Lending Practices
Dave encourages you to attend if you are considering purchasing a home within the next year as this workshop would be very beneficial to you. Contact Dave for dates & times the classes will be held.
The Village - Fargo
The Village Financial Resource Center is certified by the U.S. Department of Housing and Urban Development as a comprehensive housing counseling agency. Counseling is provided in the areas of pre-purchase, mortgage default, foreclosures, credit issues and reverse mortgages.
"Homebuyer Education Workshops"
Attend The Village Homebuyer Education Program to learn about purchasing and owning a home. You will also work one-on-one with a Village financial counselor to create a personal financial action plan. Local lenders, realtors and housing assistance programs will also give you ideas on making wise housing choices. Finding a home you like is just the beginning. Learning about what is involved in becoming a homeowner will save you time and unnecessary worry and will probably save you money in the process.
"Homebuyer Education Class Schedule"
Mortgage Default and Delinquency Counseling
If you are behind in your mortgage payments, the thought of losing your home can be terrifying. Foreclosures are occurring at record rates. Our counselors can help you establish a budget, set priorities, and determine the appropriate strategies to help you keep your property. Landlords and lenders are often willing to be flexible about repayment of late or missing payments. Our certified housing counselors will discuss your options and develop a plan to get you back o n track.
"Frequently Asked Questions regarding Foreclosure"
"Reverse Equity Mortgage Counseling"
Available to homeowners over the age of 62, a Reverse Equity Mortgage permits clients to tap their home equity, allowing them to increase spendable income without selling their home or making loan payments. Our counselors will review your financial situation, determine if you qualify for a home equity mortgage and help you evaluate other options for increasing income.
"Tenant Education Project"
The program is designed to give new renters essential skills to help them find and keep a decent, safe and affordable place to live. The program also teachers renters how to better their housing situation and to address problems specific to individual rental histories. Attending the class can help you recognize and address problems to make you a more marketable tenant.
Family Life Credit Services
We're Family Life Credit Services, a nationwide nonprofit Christian Financial Counseling agency founded in 1986. Our Goal is to strengthen and encourage families and individuals through Christian faith-based financial & credit counseling. We offer programs geared at educating and financially strengthening individuals, families and communities. We offer financial educational materials free of charge as well as the opportunity to work with a certified counselor in your area of need.
We offer a number of different programs which include: Credit Counseling, CreditWise, and First-Time Homebuyer Education and Workshops. Family Life Credit Services also works with independent affiliates to provide additional services.
Family Life Credit Services is affiliated with several other Christian faith-based ministries to provide services to individuals and families within our community. Our independent affiliates include a Maternity Home, Family Legal Clinic, Christian Counseling Center, Crisis Pregnancy Clinic, Christian Radio Station and a Chaplaincy Group.
Start your journey today to get back on your feet with debt relief through our non-profit agency
Dave Werth is a Fargo Moorhead First Time Home Buyer Educator you can trust. If you have any questions in regards to First Time Home Buying or any other questions, contact Dave Werth your local First Time Homebuyer Educational Realtor! Dave was the director & founder of the First Annual First Time Home Buyer Fundraiser making the classes Free of Charge to First Time Homebuyers!!!
First Annual Fundraising Golf Tournament - 2007
Family Life Credit Services sponsored its First Annual Golf Tournament May 18th, 2007 at the Hawley Golf Course with 68 area realtors, insurance agents and lenders participating. The event included a Silent Auction, a Hole-In-One contest with a 2007 Ford Fusion offered by Muscatel-Burns Motors in Hawley and a ‘Splash for Cash' contest. The proceeds will be used to offer the Homebuyer Education program free for the balance of 2007. The winner of the Golf Tournament was the Gate City Bank team. Next years golf tournament has already been scheduled for May 16th, 2008. Contact Dave to sign up!
Family Life Credit Services is a Christian nonprofit organization that assists individuals and families who are struggling with debt by offering budget counseling, education and a debt management program. Family Life Credit Services also offers CreditWise, an educational program that presents the sensible use of credit to high schools, colleges, churches, service organizations, youth groups, parolees and to anyone who needs more information regarding how to use credit wisely. Upon completion of the 8 hour certified Homebuyers Education program, attendees may qualify for assistance with down payment and/or closing costs through their local community.
Check out the Golf Tournament Pictures!!!
Gate City Bank - 2007 Champions
2008 Results - The Tournament Raised over $6,000 towards First Time Homebuyer Education. Gerald Croaker was named Family Life Credit Services First Time Homebuyer Educational Director for the end of the 2008 Year. He has been working with FLCS and will be an asset to the new challenges facing first time homebuyers in the upcoming years. Kvamme Real Estate scored a 17 Under Par for the lowest Gross score and Park Company scored the lowest Net Score with a 17.3 Under Par. There were 18 teams registered to play as each year the tournament seems to get more player participation & better prizes. Thanks to Hawley Golf Club, FLCS Staff, & The Tournament Advisory Committee, for making this event such a huge success!
2009 UPCOMING GOLF EVENT INFORMATION:
Fargo Moorhead First Time Home Buyers, Realtors, Insurance Agents, Mortgage Lenders, Bank Employees, Anyone & Everyone, are welcome to participate in the 3rd Annual Charity Golf Scramble on May 15th, 2009. Contact Dave Werth to sign up for the Golf Tournament. The tournament will be held at the Meadows Golf Course in Moorhead, MN and registration is at 9:00 AM w/ a shotgun start at 9:15AM. We will have silent auction items from the Fargo Moorhead businesses, Professional Sports Companys, Professional Sports Teams & Pro Sports Players, and surrounding area businesses, as well as golf course passes & much more. We hope to see you in this years event!
Contact Dave Werth for more tournament information @ 218-790-7653 or Jeral w/ Family Life Credit Services @ 232-HOPE.
Dave Werth ABR GRI - Full Time Realtor for Fargo, Moorhead, Dilworth, Glyndon, West Fargo, Horace, Harwood, & Rural ND & MN. Licensed in ND & MN. First Time Home Buyer Educator
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