All articles about North Dakota First-Time Home Buyer Guide.
In North Dakota, an attorney title opinion is required by law. Here's what you must pay for, what you can skip, and where DIY research falls short on ND-specific risks.
Where to buy your first home in North Dakota: Fargo, Bismarck, Grand Forks, Minot, and rural areas compared by stability, affordability, and hidden cost risks.
What a North Dakota buyer's agent provides versus what they leave uncovered: special assessments, mineral rights, NDHFA stacking, and the abstract process explained.
PCS to Minot AFB or Grand Forks AFB? Here's the honest buy-vs-base-housing decision framework, VA loan mechanics, and neighborhood guide for both bases.
North Dakota uses a physical abstract-of-title system, not just digital title insurance. Here's what it means for buyers, timelines, and closing costs.
How North Dakota property taxes work, the $1,600 Primary Residence Credit, homestead credit, Fargo tax rates, and how to use the state's property tax calculator.
Complete guide to NDHFA programs for North Dakota first-time buyers: FirstHome, Start, DCA, HomeAccess, and Roots — income limits, down payment assistance, and how to qualify.
Moving to North Dakota? Real cost-of-living data covering housing, property taxes, utilities, and regional differences between Fargo, Bismarck, Minot, and Williston.
Grand Forks and Minot real estate markets compared: median prices, property taxes, flood zone considerations, military buyer dynamics, and neighborhood guidance for both cities.
North Dakota closing costs average 4% of the purchase price. Breakdown of abstract, attorney, title insurance, recording fees, and who pays what in a typical ND transaction.
Buying vs renting in Fargo ND analyzed by the actual numbers: mortgage payments, special assessments, property taxes, and when renting still wins in 2026.
USDA vs conventional loans for North Dakota first-time buyers: zero down payment eligibility, income limits, property restrictions, and how to choose between them.
Williston ND real estate follows oil prices, not national housing trends. Here's the honest market picture: cap rates, construction quality, and how to buy smart in oil country.
Special assessments in Fargo suburbs like Horace can run $35,000 to $120,000 on a single property. How to audit them before closing and avoid the financial trap.
North Dakota has elevated geological radon levels and deep insulated basements that concentrate the gas. What home buyers must know about testing, disclosure, and mitigation costs.
Is a home warranty worth it in North Dakota? How home warranties work, what they cover, North Dakota's climate-specific failure points, and when to negotiate for seller coverage.
In 90% of Bakken-area purchases, mineral rights are severed from the surface. Learn what this means, how to check, and the 20-year abandonment reclamation process.
Flood insurance in North Dakota varies significantly by city and flood zone. How NFIP policies work, current costs by city, and what the FM Diversion Project means for future buyers.
Comparing FHA and VA loans in North Dakota: down payment requirements, credit score thresholds, PMI rules, and how they pair with NDHFA state programs.
Military PCS to North Dakota? Compare base vs. off-base housing at Minot AFB and Grand Forks AFB, VA loan tips, and neighborhood breakdowns.