First Time Home Buyer - Fargo Moorhead & Surrounding Rural Area -

Real Estate Broker/Owner with WERTH REALTY

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!!!


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