Dave Werth KVAMME Real Estate Professional ABR 3401 8th St S
Moorhead, MN 56560 Office: 218-790-7653 Cell: 218-790-7653 Email: davew@kvammerealestate.com
A Fargo Moorhead native for over 30+ years, Dave is a Fargo Moorhead "area" Real Estate Specialist. Dave Werth is an instructor with the First Time Homebuyers Educational Classes and holds two positions on the First Time Home Buyers Advisory Committee. Dave is a Real Estate Internet Specialist with current education in High Tech Marketing, Web Communication Tools & Real Estate Internet Marketing. Dave is one of Kvamme Real Estate's Top Producing Agents & also Kvamme Real Estate's Top Listing Agent. Dave has earned an ABR status, which is & stands for Accredited Buyers Representative. Dave also has continuing education in GRI, or Graduate Real Estate Institute, and currently taking his Epro education. Dave is licensed in North Dakota & Minnesota. Fargo Moorhead Real Estate is growing each day, so why not trust someone who calls home, your home!
Dave specializes in the Fargo Moorhead area, North Fargo, West Fargo, South Fargo, Dilworth, Glyndon, Sabin, Horace, Harwood, Reiles Acres & all of the FM rural communities. Dave is licensed in North Dakota & Minnesota giving him a wide area of Real Estate cities & communities to work with. If you are buying or selling a home in North Dakota, Minnesota, Fargo, Moorhead, West Fargo, or surrounding communities, trust in Dave's understanding & experience of the area he grew up in!
Daves Involvement in the Community
Dave has been very active giving his time in the Fargo Moorhead area community over the past few years, coaching the Fargo All City Youth Hockey & Adult Novice Hockey League, as well as Dave's involvement with the Relay for Life, Make A Wish Foundation, Susan G. Komen Cancer Foundation, Family Life Credit Counseling Services & the FCA. Dave is the founder & Tournament Director of the First Time Homebuyer Charity Golf Scramble raising money for first time homebuyer education, resulting in making the educational classes "free of charge" with the money that was raised from his efforts. Dave is also active in numerous events throughout the community, such as the New Fargo Force Hockey and U-18 Championships coming in 2009, as Dave is a host for Team Sweden and a few additional teams while they are here, giving his time back to the community. Dave was a golf professional for 12 years, around and across the state, working at some of the top ranked Resort Courses in the country. During that time, Dave raised countless dollars for charities and underprivileged families in efforts to help out people & causes. Dave is self driven, and highly motivated, and continues on a daily basis to make sure every future/past client he has, is, and will work with, and treats them like family and puts there best interest at hand.
The Fargo Moorhead & FM area quick facts
Fargo grew again in 2008 with ROI or return on home equity. In 2008 home values increased around 4-7%. 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.
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
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!
Dave Werth
Kvamme Real Estate
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!!!
Buyer Tips
Are you ready to buy a homes?
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
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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