Dave Werth ABR GRI

Specializing in the Fargo Moorhead area!

Dave Werth - Real Estate Professional / Real Estate Agent licensed in ND & MN

www.NewRealEstateProperty.com

Interested in HUD Property's, contact Dave for the latest FHA Foreclosures and Investment Property's Today!

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. Dave Werth is a local as he grew up in North Fargo, and has been around the Fargo Moorhead area for over 30+ years understanding the Real Estate Market very clearly. 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!

The Fargo Moorhead & FM area quick facts

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.

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.

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.

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.

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.

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

Looking for a HUD home? HUD homes are FHA foreclosures that are available for sale through bidding.

My name is Dave Werth, Realtor with Kvamme Real Estate in Fargo Moorhead. If you are intersted in looking for a HUD home or HUD property, please contact me as I can help. Contact me at 218-790-7653 or email me at davew@kvammerealestate.com or visit my website at www.NewRealEstateProperty.com

Preferred pricing on HUD homes makes a difference and you should be aware of bidding a price that is going to make a difference. HUD homes are sold As Is and if you would like additional property information for each specific HUD listing, it can be obtained very easily. Each HUD property is assigned an assignment number which gives us a track record of finding each specific HUD property.

Contact Dave Werth to find out about any foreclosures near you. Financing is available for HUD homes if you would like more information, I will refer you to a few sources of financing that understand HUD homes and are familiar with all programs you may apply for.

Happy HUD Hunting to you!

www.NewRealEstateProperty.com

First Time Homebuyer Center

Dave Werth 218-790-7653

davew@kvammerealestate.com

Kvamme Real Estate - Fargo Moorhead & Surrounding

Search All Area Homes for sale at:

www.NewRealEstateProperty.com

Fargo Moorhead First Time Home Buyers

Homebuyer Education

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 o­n 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.