Kvamme Real Estate - Fargo Moorhead & Surrounding
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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.
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.
| 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. |
| Direct:/Cell: 218-790-7653 Cell: 218-790-SOLD Email info@newrealestateproperty.com |
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!
Dave Werth 218-790-7653
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!
Dave Werth 218-790-7653
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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