WEBVTT 00:00.000 --> 00:14.120 The NRI program stands for Neighborhood Revitalization Initiative and it was a program in partnership 00:14.120 --> 00:17.320 with Gate City Bank that started almost 20 years ago. 00:17.320 --> 00:23.920 It's a lower interest loan program through Gate City Bank and the City of Fargo is like 00:23.920 --> 00:26.280 the customer service intake process. 00:26.280 --> 00:32.800 So we help homeowners start that application process and then pass it on to Gate City Bank 00:32.800 --> 00:37.840 and they'll take care of the rest of the interaction with the homeowner. 00:37.840 --> 00:39.480 We bought the house in 2017. 00:39.480 --> 00:45.360 I grew up in North Fargo and so we kind of wanted to get back up here. 00:45.360 --> 00:50.400 Since being here we've really found that North Fargo is just a very different community and 00:50.400 --> 00:52.120 community means something different up here. 00:52.120 --> 00:56.520 Now that I know that I feel like that really kind of hits home with why he wanted to be 00:56.520 --> 00:57.520 up here. 00:57.520 --> 01:02.840 We realized that our walls were coming in and we knew we kind of had a problem. 01:02.840 --> 01:08.880 So we had some experts come in and look at the house and we noticed that our walls were 01:08.880 --> 01:13.720 caving in down in the basement and we had water issues as well. 01:13.720 --> 01:18.440 We got a few prices and everything else and figured out that obviously we can't afford 01:18.440 --> 01:20.240 this out of our own pocket. 01:20.240 --> 01:27.160 So we heard about the revitalization loan and so we kind of looked into it and figured 01:27.160 --> 01:32.340 this is exactly what we're looking for to pay for our loan. 01:32.340 --> 01:36.280 There was a few sleepless nights when we found out that the walls were caving in and stuff 01:36.280 --> 01:42.600 like that but honestly the process was pretty seamless so the stress came off pretty fast. 01:42.600 --> 01:46.760 I think that was a huge part for me feeling like we'd be safe in the home. 01:46.760 --> 01:49.400 I know we had a lot of conversations about that. 01:49.400 --> 01:53.160 I was like our walls are caving in this is not good. 01:53.160 --> 01:57.640 You know with having two kids and two younger kids you want to have a house that's safe 01:57.640 --> 02:04.080 for your family and I think without the loan we really would have been scrambling for some 02:04.080 --> 02:08.840 kind of option to make sure that we could keep our family and our kids safe. 02:08.840 --> 02:12.920 Without the loan there's no way we would have been able to afford fixing the basement up. 02:12.920 --> 02:19.160 The process was just so unbelievably easy for us and just knowing that there's opportunities 02:19.160 --> 02:25.080 to have some of these older homes especially for us in the North Fargo area. 02:25.080 --> 02:28.920 It's great to know that we're continuing to put work into these houses because they do 02:28.920 --> 02:34.080 have good bones to them and I think there's a lot of good stories and a lot of good community 02:34.080 --> 02:40.160 up here and so to continue that I think we need programs like this to support the work 02:40.160 --> 02:43.080 going into these maybe a little bit older homes. 02:43.080 --> 02:48.800 I grew up in North Fargo, love it up here and I think some of the older home stuff kind 02:48.800 --> 02:54.680 of deter people from coming and living up here and this is great that older homes are 02:54.680 --> 03:01.600 getting some love because I mean it's history up here so it's one of the reasons that we 03:01.600 --> 03:02.360 love being up here.