Fargo ND Moorhead MN First Time Home Buyer Classes - Dave Werth 218-790-7653 Kvamme Real Estate

Real Estate Broker/Owner with WERTH REALTY

First Time Home Buyer Center - Dave Werth - First Time Home Buyer Educational Instructor / Realtor

Dave Werth 218-790-7653 / davew@kvammerealestate.com 

Kvamme Real Estate



First Time Home Buyer Education

Purchasing your first home will be one of the biggest financial decisions you make in your lifetime. Welcome to the First Time Home Buyer 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 is a First Time Home Buyer Educational Instructor.  Dave has been teaching First Time Home Buyer Classes in Fargo ND & Moorhead MN over the past 5 years.  Dave has an ABR designation which shows his dedication to First Time Home Buyers.   

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 Home Buyer Certificate after completion of the class, as well as information about the First Time Home Buyer Tax Credit.   

Most communities offer incentives for First-Time Home Buyers 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.  Contact Dave for a list of upcoming dates and locations.

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

What rights you have


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.

"Home buyer 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.

"Home buyer 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!!!

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.


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Please use the following Real Estate Terms if you are searching for area information or please utilize the Real Estate Terms link located on this website.  Please contact Dave Werth if you have any questions regarding the following terms:  Fargo ND Homes for Sale, Moorhead MN Homes for Sale, Moorhead Real Estate, Fargo Real Estate, Dilworth MN Homes, West Fargo ND Homes for Sale, First Time Home Buyer Fargo ND, First Time Home Buyer Moorhead MN, First Time Home Buyer Classes, Dilworth MN Homes For Sale, Glyndon MN Homes For Sale, Fargo ND Twinhomes for Sale, Fargo Condos, Moorhead Condos, Moorhead Homes, West Fargo Homes, Fargo Homes, Dilworth Homes, Glyndon Homes, Sabin Homes.  If there are any terms we have missed, please contact Dave Werth @ 218-790-7653 or davew@kvammerealestate.    

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