First Time Homebuyer Center
Dave Werth 218-790-7653
Kvamme Real Estate - Fargo Moorhead & Surrounding
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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 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.
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