Neighborhood Revitalization Program

Applications for the 2023 Neighborhood Revitalization Program have closed.

Please check back for 2024 information.

Gate City Bank and the City of West Fargo are working together to keep West Fargo’s neighborhoods strong and to help local homeowners reinvest in their homes by providing the Neighborhood Revitalization Program. This program offers low interest loans to homeowners for major home improvement projects for existing homes.

Program Overview:

  • 10 or 15 year loan options
  • Rates as low as 4.99% APR* 
  • There is no application fee
  • Minimum loan amount is $10,000
  • Maximum loan amount is $100,000
  • Homes must have an assessed value lower than $275,000 
  • Homes must be within the City of West Fargo boundaries and North of Interstate 94 

*subject to home evaluation and credit qualification

Eligible Improvement Costs

The West Fargo Neighborhood Revitalization Program funds may be used to address code and structural corrections, energy improvements and general property improvements. Loans are available to finance new improvements not yet under construction, and if there are code corrections identified during the inspection, they must be addressed as part of the project.

The project can include any of the following:

  • Foundation work (drain tile, bracing, new foundation)
  • Major exterior improvements (siding, roofing, windows)
  • Addition of bedroom or new living space
  • Major interior remodeling or replacement of major mechanical systems (furnace, electrical system)
  • Conversion of rental unit to owner-occupied home
  • Sewer/Water connection replacements to city infrastructure (clay pipe)

How do I apply?

Loan applicant must be the owner/occupant of the home and meet Gate City Bank’s credit standards for repayment of the improvement loan

Please submit your completed application to the following address by October 31, 2023:

Planning Department

Attn: Neighborhood Revitalization

800 Fourth Ave. E., Suite 1

West Fargo, ND 58078

Once City staff has reviewed your application, it will be reviewed and forwarded on to Gate City Bank.  You will be contacted by the bank within a week. For more information, please call (701) 515-5370.

Applications are reviewed on a first come, first served basis, as funds are available 


For additional information, please contact Gate City Bank at (701) 293-2426 or the City of West Fargo Planning Department at (701) 515-5370.

Program Administration Responsibilities

City of West Fargo

  • Upon homeowner completion of initial application, inspect property for property eligibility
    • Inspection and building permit fees are waived*
      *Please note that only local building permit fees are waived. This does not include HVAC or Mechanical Permits. 
      *Permits received from the State of North Dakota, including plumbing and electrical permits, are the responsibility of the applicant. 
  • Conduct construction inspections (initial and final)

Gate City Bank

  • Accept loan application and determine borrower eligibility
  • Order applicable items (appraisal/evaluation, title work, etc.)
  • Conduct loan closing

Project/Loan Workflow


  • Complete loan application with the City of West Fargo
  • Obtain bid(s) from licensed contractors for work required under building code regulations or itemized list of materials with cost estimates if work is to be completed by homeowner
  • Provide the City of West Fargo copies of contractor licenses (if applicable) and liability insurance policy
  • Complete the improvement project as agreed upon within six (6) months of project start date unless an extension is granted by Gate City Bank
  • Sign payment requests


  • Provide homeowner and the City of West Fargo a copy of ND Contractor’s License and liability insurance policy
  • Complete the improvement project within six (6) months of the project start date