Latest / Aired Out / Green Mountain Home Repair—a program run by Downstreet Housing & Community Development.

Transcript

Green Mountain Home Repair—a program run by Downstreet Housing & Community Development. · Aired Out

• 0:11
  Speaker 1: The sun, the.
• 0:32
  Speaker 2: Battle, the product, to the table, the instant, the well.
• 1:31
  Speaker 1: Thanks for sharing your morning coffee with me here on
• 1:36
  Speaker 1: Central Romance Podcast and welcome to a brand new day.
• 1:42
  Speaker 1: It is Monday. We have made it through the weekend,
• 1:45
  Speaker 1: Flying the Wall Productions bringing you the Airedout Podcast where
• 1:48
  Speaker 1: we're streamed frankly everywhere you get your podcasts and on
• 1:52
  Speaker 1: the web at airedout vt dot com. Happy Monday. The Yeah,
• 1:57
  Speaker 1: the weekend is over, and big big thing to our
• 2:01
  Speaker 1: local first responders, not only over the weekend, but really
• 2:05
  Speaker 1: over the last week or so. The house fires, the
• 2:08
  Speaker 1: car fires, the brush fires, the car accidents, very very
• 2:14
  Speaker 1: busy first responders and we are so blessed by them.
• 2:17
  Speaker 1: What a weekend. It was a little bit of a
• 2:19
  Speaker 1: wrap up here the biggest professional MMA event in the region.
• 2:25
  Speaker 1: It's a rap on the reckoning art of eight Limbs.
• 2:29
  Speaker 1: What a night it was in Burlington. I just couldn't
• 2:34
  Speaker 1: believe it at the Double Tree. Just a fantastic event.
• 2:38
  Speaker 1: And tip of the hat to donny Brook Fight Promotions
• 2:42
  Speaker 1: for putting it on. Huge crowd, amazing fights. And Rex
• 2:48
  Speaker 1: is going to be on at some point to recap
• 2:50
  Speaker 1: things and talk about the next one. But a busy weekend.
• 2:53
  Speaker 1: It was Romont Fatherhood had their fundraiser over at the
• 2:57
  Speaker 1: Barry Social Club. We had the VFW Post seven ninety
• 3:00
  Speaker 1: two doing their tenth annual Calcutta which was a big
• 3:04
  Speaker 1: turnout i've heard. We had the thunder Road car show
• 3:08
  Speaker 1: of course from Monster four by four over in Bradford
• 3:13
  Speaker 1: on Saturday. Got a chance to get down to the
• 3:16
  Speaker 1: Capitol Region Wrecking Crew fundraiser at the Moutoi which was
• 3:21
  Speaker 1: so much fun as they put funds together and get
• 3:24
  Speaker 1: ready for the Special Olympics Summer Games coming in June.
• 3:30
  Speaker 1: And of course thunder Road. The Community Bank one fifty,
• 3:35
  Speaker 1: New Hampshire's Gabe Brown getting his thunder Road win number
• 3:42
  Speaker 1: one in the twenty eighth running of the Community Bank
• 3:46
  Speaker 1: one fifty, Jake Johnson right behind him, Jesse Switzer in third.
• 3:52
  Speaker 1: We had Taylor Sayers winning the scrap medals, Road Warrior Feature,
• 3:59
  Speaker 1: Lenny Shoe in a pair Flying Tigers went to Eric Messier,
• 4:03
  Speaker 1: the Street Stocks of Future number one, Hayden Morris got
• 4:07
  Speaker 1: the Checkers. Connor Ruda got the Feature number two, So
• 4:13
  Speaker 1: congratulations to those guys. It was just a fantastic race
• 4:20
  Speaker 1: from what I've heard, it was just such a crazy
• 4:22
  Speaker 1: weekend either side of forty degrees this morning for most
• 4:27
  Speaker 1: of us waking up here in Central Vermont. We're looking
• 4:30
  Speaker 1: at mostly cloudy skies today, upper sixties with a slight
• 4:35
  Speaker 1: chance for some passing showers. Tonight, partly cloudy in forty seven. Tomorrow,
• 4:43
  Speaker 1: cloudy thunderstorms in the afternoon, but was going to be
• 4:45
  Speaker 1: a real warm tempts mid to maybe even upper seventies,
• 4:50
  Speaker 1: especially if you're in the valley. Wednesday, cloudy rain showers,
• 4:54
  Speaker 1: cooler fifty two. Thursday, maybe fifty eight with some clouds
• 4:59
  Speaker 1: and some sun. And then Friday and through the weekend
• 5:02
  Speaker 1: looks to be real nice but cool, highs in the fifties.
• 5:07
  Speaker 1: No word of rain though, which is great. May the
• 5:11
  Speaker 1: Fourth be with you. Got to say happy birthday to
• 5:14
  Speaker 1: my brother in radio, Mark Miller on the list today,
• 5:18
  Speaker 1: Aaron Supernot, Tammy Dupree, Wayne Warner, Happy birthday, Caitlin Pippen.
• 5:24
  Speaker 1: We have Janice Blair, Alison White, Diane Zigler, Happy birthday,
• 5:30
  Speaker 1: zig Bev Farne, and Francis Miller all on the birthday
• 5:36
  Speaker 1: list today. We're talking this morning with some great folks
• 5:43
  Speaker 1: over at Downstreet Housing and Community development, specifically about their
• 5:49
  Speaker 1: Green Mountain Home Repair, which some of you may not
• 5:55
  Speaker 1: be familiar with exactly what that is. And today we're
• 5:59
  Speaker 1: going to take a deep dive into exactly what it
• 6:02
  Speaker 1: is and why it's important, what you need to know
• 6:05
  Speaker 1: about it. We have with us Ryan Carpenter and Valicia Smith.
• 6:11
  Speaker 1: Welcome both of you. I'm so glad that you're both here.
• 6:15
  Speaker 1: Welcome to air it out this first time for you
• 6:17
  Speaker 1: in here. Nice congratulations on this program, getting it not
• 6:24
  Speaker 1: only launched, but also starting to get a little bit
• 6:27
  Speaker 1: of traction in some awareness of exactly what the Green
• 6:32
  Speaker 1: Mountain Home Repair is, which is a kind of a
• 6:35
  Speaker 1: part of Downstreet. Please explain if you can what it is.
• 6:41
  Speaker 3: Sure, So, the Green Mountain Home Repair program, it offers
• 6:46
  Speaker 3: grants up to five thousand for low cost loans up
• 6:49
  Speaker 3: to twenty thousand, and that is for homeowners within our
• 6:53
  Speaker 3: service area, so that is Washington, Lamoyle and Orange Counties. Okay,
• 6:57
  Speaker 3: And it's really intended to address health and safety issues
• 7:01
  Speaker 3: within the home. Anything to help homeowners agent place stay
• 7:07
  Speaker 3: in their homes. That is the you know, the true
• 7:09
  Speaker 3: intention of the program.
• 7:11
  Speaker 1: Yeah, and yeah, you know, we we have such a
• 7:15
  Speaker 1: aging stock of homes here in this state, and there's
• 7:21
  Speaker 1: there's a big concern about that. And it's not just
• 7:24
  Speaker 1: whether or not they're efficient, but frankly, if it goes
• 7:28
  Speaker 1: beyond that where it's it's essentially not livable. And you
• 7:35
  Speaker 1: know this is this is a real concern. You both
• 7:38
  Speaker 1: know that. How long has this Green Mountain home repair
• 7:42
  Speaker 1: program been around for?
• 7:44
  Speaker 3: So it's been with down Street I believe from the
• 7:48
  Speaker 3: early mid twenty twenty tens. I believe I've been involved
• 7:55
  Speaker 3: mainly within the past three years. Okay, but it's been
• 8:00
  Speaker 3: around for a while. It's been around for a while,
• 8:04
  Speaker 3: so yeah, yeah, So how do.
• 8:06
  Speaker 1: You in Valicia? You're the the loan fund manager? How folks?
• 8:13
  Speaker 1: How do they are they? How do they find out
• 8:15
  Speaker 1: if they're eligible for for some of these grants?
• 8:18
  Speaker 3: Sure? Always just give us a call and have a
• 8:20
  Speaker 3: conversation with us. A lot of the information is on
• 8:23
  Speaker 3: our website. Essentially, if you live within our service county,
• 8:28
  Speaker 3: you're eligible through Downstreet. There are five other home ownership
• 8:32
  Speaker 3: centers in Vermont. So even if you're not eligible through us,
• 8:36
  Speaker 3: there is a possibility that some other organization could assist you.
• 8:40
  Speaker 3: There's an income eligibility piece to it. So you do
• 8:44
  Speaker 3: need to be at or below eighty percent of the
• 8:46
  Speaker 3: area median income to be eligible, and those numbers are
• 8:50
  Speaker 3: dictated by HUD the Housing and Urban Development. There's a
• 8:57
  Speaker 3: couple other pieces that we look for for l ability,
• 9:01
  Speaker 3: mainly that your current on all of your mortgage payments,
• 9:04
  Speaker 3: if there's any means tied to the home, making sure
• 9:07
  Speaker 3: you're current on all those payments, as well as having
• 9:10
  Speaker 3: an active homeowners insurance policy.
• 9:12
  Speaker 1: All right, do you have to have perfect credit?
• 9:15
  Speaker 3: No, you do not, So I think this is one
• 9:17
  Speaker 3: of the wonderful things about the program is unlike a
• 9:21
  Speaker 3: traditional bank where it's pretty cut and dry, we look
• 9:25
  Speaker 3: at the entire financial situation. We look at your current income,
• 9:29
  Speaker 3: we look at Yes, we do look at credit, but
• 9:33
  Speaker 3: it's not a deciding factor. There's no minimum credit score
• 9:37
  Speaker 3: that you need to be eligible, so we just kind
• 9:41
  Speaker 3: of look at the entire work piece.
• 9:43
  Speaker 1: Okay, but this is for homeowners. This isn't for folks
• 9:47
  Speaker 1: that own property that are renting it out.
• 9:50
  Speaker 3: That's that is that is something completely separate, But there
• 9:53
  Speaker 3: is programs out there for that. For that.
• 9:55
  Speaker 1: Sure, tell me about this guy next to.
• 9:57
  Speaker 3: You, Yes, Sky, So this is my coworker Ryan Carpenter,
• 10:03
  Speaker 3: who is our construction project coordinator, so he really helps
• 10:07
  Speaker 3: a lot with the Green Mountain Home repair program. Now,
• 10:11
  Speaker 3: kind of let you do what you do. What do
• 10:14
  Speaker 3: you do?
• 10:15
  Speaker 4: I give the construction aspect of stuff, try to translate
• 10:20
  Speaker 4: so to speak. We get inspections on the properties, and
• 10:25
  Speaker 4: then we have to kind of sometimes pair stuff down
• 10:27
  Speaker 4: to say what's the most urgent what you know, what
• 10:30
  Speaker 4: are life safety versus just cosmetic repairs. I know a
• 10:37
  Speaker 4: lot of people are reaching out because, like you said,
• 10:39
  Speaker 4: aging in home accessibility, that's one of the things that matters.
• 10:44
  Speaker 4: So if we need to help with like you need
• 10:47
  Speaker 4: a walk and shower, you can't get in a tub anymore,
• 10:50
  Speaker 4: that's one of the things that we can help with
• 10:53
  Speaker 4: this program. A ramp, yep, grab bars, things like that,
• 10:59
  Speaker 4: just just necessary aging in place stuff.
• 11:03
  Speaker 1: What about stuff like more of the pricey stuff. I mean,
• 11:09
  Speaker 1: these are loans. These are low cost loans for up
• 11:13
  Speaker 1: to twenty grand right, okay for roof foundation stuff like that.
• 11:19
  Speaker 3: Yeah, yeah, twenty thousand is a good amount of money.
• 11:23
  Speaker 3: But when we think of home repairs and like you're saying,
• 11:25
  Speaker 3: those costly repairs, it is hard sometimes making that funding
• 11:30
  Speaker 3: work a lot of times will need additional sources of
• 11:33
  Speaker 3: income some other organizations. We've partnered with USDA VCIL. So
• 11:42
  Speaker 3: anytime there's tapstone, Yeah, that's a big one for weatherization.
• 11:46
  Speaker 3: So anytime we can add bring in another organization and
• 11:50
  Speaker 3: have additional resources, it's always always very helpful for the homeowner.
• 11:55
  Speaker 3: So it is costly.
• 11:57
  Speaker 1: So yeah, so grants uh non non uh non. Loan
• 12:04
  Speaker 1: grants up up to five grand Okay, yes, yes.
• 12:08
  Speaker 3: So that is free money that you do not have
• 12:10
  Speaker 3: to pay back when it comes to the grants, do
• 12:13
  Speaker 3: not have to pay that back. So that is we
• 12:16
  Speaker 3: use that towards whatever home repairs folks need. And if
• 12:20
  Speaker 3: the cost of repairs is going to exceed that, if
• 12:24
  Speaker 3: there's no additional funding available, sometimes they do need to
• 12:29
  Speaker 3: have their own funding to kind of cut offset those costs.
• 12:31
  Speaker 1: All right, Uh so Ryan, So are we are we
• 12:35
  Speaker 1: talking like plumbing, heating, all that, furnaces.
• 12:40
  Speaker 5: Roof furnace.
• 12:44
  Speaker 4: Like I said, a tub, tub replacement with the walk
• 12:46
  Speaker 4: and shower, electrical upgrades, hot water tank, pretty much anything
• 12:53
  Speaker 4: that you need in the home that is a necessity.
• 12:57
  Speaker 5: If it is failing, then we can we can help.
• 13:02
  Speaker 1: So to qualify. You have to again live in Washington,
• 13:07
  Speaker 1: in Orange County or Lamoyl count Oil Okay, and the
• 13:12
  Speaker 1: simplest way to do this is to get on Downstreet
• 13:17
  Speaker 1: dot org. Yes, all right, begin there, Yes, and that's
• 13:20
  Speaker 1: where the application process is. Okay. Are you do you
• 13:24
  Speaker 1: guys feel like this, uh, this program, this, this Green
• 13:28
  Speaker 1: Mountain home repair program is Is that enough Vermonters are
• 13:33
  Speaker 1: are are aware of this?
• 13:35
  Speaker 4: No?
• 13:37
  Speaker 5: Probably not?
• 13:38
  Speaker 3: Probably not. I mean, I know before my employment with Downstreet,
• 13:42
  Speaker 3: I didn't know what Downstreet was or what it could do,
• 13:46
  Speaker 3: and I lived in the service area. So I do
• 13:49
  Speaker 3: think the the programs, that and just the organization in
• 13:54
  Speaker 3: general is becoming more wide known, which is great, But
• 13:59
  Speaker 3: I I I think there's still a bit of effort
• 14:01
  Speaker 3: needed to let homeowners know that this funding is available
• 14:05
  Speaker 3: and it's here for you to take advantage of it.
• 14:07
  Speaker 1: Yeah. Yeah, this is also something I wanted to ask
• 14:11
  Speaker 1: you about about lead paint. We've got a question here
• 14:16
  Speaker 1: about lead paint. Okay, So can you answer that at all?
• 14:20
  Speaker 1: Is any of that included with any of this?
• 14:24
  Speaker 3: So before I answer that, I do want to jump
• 14:27
  Speaker 3: into kind of one of the requirements for our home
• 14:30
  Speaker 3: repair programs so well, for every HUT assisted project that
• 14:34
  Speaker 3: we do, which is how the programs the projects are funded,
• 14:38
  Speaker 3: we are required to do a historic review as well
• 14:42
  Speaker 3: as an environmental review, so that's a pretty big part
• 14:45
  Speaker 3: of each project. So lead paint is triggered. If a
• 14:49
  Speaker 3: home is pre nineteen seventy eight, I.
• 14:53
  Speaker 4: Want to say eighty two and back, it has to
• 14:55
  Speaker 4: be treated as possible lead paint. Yeah, the EPA believe
• 15:00
  Speaker 4: it was seventy eight outlawed lead paint, and then you
• 15:05
  Speaker 4: know there still happens to be you know, there's probably
• 15:07
  Speaker 4: four year old paint on the shelf over at Nelson still,
• 15:10
  Speaker 4: so it's still in circulation for a few years after.
• 15:13
  Speaker 4: So basically any home from eighty two and back, you're
• 15:15
  Speaker 4: at the tree as potentially containing lead paint.
• 15:19
  Speaker 3: Yeah, so the program can assist with that. There is
• 15:23
  Speaker 3: a threshold that comes into effect where you'd need to
• 15:26
  Speaker 3: hire a lead consultant to be there at the project. Obviously,
• 15:31
  Speaker 3: when dealing with lead paint, you need a lead certified
• 15:35
  Speaker 3: contractor to you know, kind of oversee that work and
• 15:39
  Speaker 3: you just want to make sure that it's being treated
• 15:41
  Speaker 3: and taken care of properly. So yes, you can do it.
• 15:45
  Speaker 3: If you're doing your entire home, there might be the
• 15:49
  Speaker 3: state may have some thoughts and such, but it is possible.
• 15:53
  Speaker 1: What about like asbestos.
• 15:55
  Speaker 5: Yeah, yeah, that's so that's something that we've had. I
• 16:01
  Speaker 5: don't know has this best to spend done?
• 16:03
  Speaker 4: I know vermiculate has been dealt with, Like in in
• 16:07
  Speaker 4: an attic. We had a client that needed help removing
• 16:12
  Speaker 4: that vermiculate insulation out so that electrical work could be done.
• 16:17
  Speaker 4: I think Capstone was going to do that work, so
• 16:19
  Speaker 4: we partnered with them as well. So for them to
• 16:21
  Speaker 4: do their part, we had to do our part. So
• 16:23
  Speaker 4: it was kind of like a tiered a tiered job
• 16:27
  Speaker 4: to try to help the client get everything done. So
• 16:30
  Speaker 4: we took part of it and then Capstone did electrical work.
• 16:34
  Speaker 3: Partnership.
• 16:35
  Speaker 1: Wow, this is there's a huge community partnership here. That's
• 16:40
  Speaker 1: that's really significant. A lot of us are frankly house
• 16:47
  Speaker 1: rich and cash poor. You know, we've we've got some equity,
• 16:54
  Speaker 1: but you know what what to do, what to do,
• 17:00
  Speaker 1: and it's got my wheels turn in too. I mean,
• 17:03
  Speaker 1: insulation is just one part of all at this puzzle.
• 17:08
  Speaker 1: And if you're insulating but you don't have the structure
• 17:12
  Speaker 1: behind it, then it's worthless.
• 17:15
  Speaker 5: Yeah, it's putting the cart before the horse, right.
• 17:18
  Speaker 1: Yeah, exactly exactly. So Ran, your job is more detailed
• 17:25
  Speaker 1: in exactly how are you swinging hammers?
• 17:29
  Speaker 4: No?
• 17:30
  Speaker 5: Well, in my personal life, yeah, but yeah, no longer
• 17:34
  Speaker 5: for work.
• 17:34
  Speaker 4: So I did do maintenance for fourteen and a half
• 17:36
  Speaker 4: years here at Downstreet before stepping into this role. So
• 17:40
  Speaker 4: I do have a good construction background, knowing how the
• 17:45
  Speaker 4: apartments and homes function. But yeah, my main part in
• 17:50
  Speaker 4: this is just to help decipher inspection reports and then
• 17:56
  Speaker 4: just to make sure after the job's complete. Sometimes we
• 17:59
  Speaker 4: just request that the homeowner send us photos, but sometimes
• 18:02
  Speaker 4: we had to go back and look at stuff as well,
• 18:04
  Speaker 4: just to make sure that it's done to code or
• 18:06
  Speaker 4: that it's done properly. So we just kind of have
• 18:10
  Speaker 4: to verify everything, and that's where I step in.
• 18:14
  Speaker 1: Yeah. This this aging housing stock that we have, which
• 18:22
  Speaker 1: is always so much fun to talk about and always
• 18:25
  Speaker 1: gets a lot of reaction from from from monitors. We're
• 18:28
  Speaker 1: all well aware of it. Where where does this I mean,
• 18:35
  Speaker 1: I'm thinking of Downstreet. You guys are building new homes,
• 18:39
  Speaker 1: really exciting projects that has been going on, but there's
• 18:45
  Speaker 1: the but look what you guys are doing. You guys,
• 18:49
  Speaker 1: as still part of downstreet, recognize that it's often easier
• 18:54
  Speaker 1: and faster and certainly more cost efficient to repair a
• 19:01
  Speaker 1: home or fix it up rather than complete new construction.
• 19:07
  Speaker 1: If but how do you decipher if if something is
• 19:10
  Speaker 1: like okay, this, this may be out of the realm here,
• 19:15
  Speaker 1: this may not be salvageable, something, a different conversation needs
• 19:21
  Speaker 1: to happen. What do we do at that point?
• 19:24
  Speaker 3: Yeah, it is unfortunate, unfortunate when that does happen, and
• 19:30
  Speaker 3: we've had that in the past many times. So part
• 19:33
  Speaker 3: of the role that inspection has is really to assess
• 19:40
  Speaker 3: the condition of the home. Sometimes it's not as easy
• 19:45
  Speaker 3: as one or two repairs. Sometimes it's a significant amount
• 19:49
  Speaker 3: of repairs needed to bring it up to housing quality standards.
• 19:56
  Speaker 3: In those situations, if there is no additional resource to
• 20:01
  Speaker 3: you know, address any portion of that, it is a
• 20:04
  Speaker 3: conversation that has to happen with the homeowner about other steps,
• 20:09
  Speaker 3: you know.
• 20:09
  Speaker 1: So that's got to be that's Yeah, that's gotta be
• 20:12
  Speaker 1: a tough conversation. I mean, you guys, Uh, this is
• 20:16
  Speaker 1: light years beyond just dealing with materials and supplies. Ye,
• 20:22
  Speaker 1: building stuff, you're dealing with lives. You're dealing with with people,
• 20:28
  Speaker 1: and they often have been in their home for a
• 20:32
  Speaker 1: very long time and frankly may have even lost a
• 20:37
  Speaker 1: little bit of hope that they're going to be able
• 20:40
  Speaker 1: to get this fixed, that this is what they're just
• 20:44
  Speaker 1: going to have to live with forever. You guys are
• 20:46
  Speaker 1: coming in and changing that.
• 20:48
  Speaker 5: Yeah, we hope to.
• 20:49
  Speaker 3: We absolutely hope to.
• 20:52
  Speaker 1: Yeah.
• 20:52
  Speaker 4: Wow, even if it's one part, you know, you're talking
• 20:56
  Speaker 4: about if a home needs a lot, you know, sometimes
• 20:59
  Speaker 4: you just got to start somewhere and just doing that
• 21:03
  Speaker 4: one part. Like, you know, if your roof is bad,
• 21:05
  Speaker 4: the rest of the house is going to fall apart
• 21:07
  Speaker 4: sooner than later. You've got leaks coming in. It's going
• 21:10
  Speaker 4: to cause a lot more damage. If we can keep
• 21:12
  Speaker 4: a good roof over your head, then that's you know,
• 21:14
  Speaker 4: a jumping off point. We want to try to keep
• 21:17
  Speaker 4: as much of the house's integrity as possible. And just
• 21:20
  Speaker 4: if that's where we got to start, then that's where
• 21:22
  Speaker 4: we got to start.
• 21:24
  Speaker 1: Is there a story or an individual or a home
• 21:30
  Speaker 1: or property that sticks out for you guys, where when
• 21:35
  Speaker 1: it was all said and done and buttoned up, you
• 21:39
  Speaker 1: experienced firsthand what it was like for this individual, something
• 21:46
  Speaker 1: that kind of sticks to the bones a little bit.
• 21:49
  Speaker 3: Yeah, I feel like we've had quite a few of those.
• 21:55
  Speaker 3: Without giving away any personal information or personal details. There's
• 21:59
  Speaker 3: a few that stick out in my mind. I actually
• 22:03
  Speaker 3: jotted a few of those down. You know. One of
• 22:07
  Speaker 3: our first historic homes that we assisted with was a
• 22:10
  Speaker 3: home in Newbury. We did a roof repair and we
• 22:14
  Speaker 3: partnered with USDA on that. That is one that sticks
• 22:17
  Speaker 3: out in my mind because with historic homes you really
• 22:22
  Speaker 3: do have to be very careful what you are doing
• 22:25
  Speaker 3: so that you are preserving the integrity of the home
• 22:29
  Speaker 3: and not damaging it too much. We've done projects in
• 22:34
  Speaker 3: Berry that are just right here in our community. We
• 22:38
  Speaker 3: had a homeowner that had significant repairs to their home
• 22:43
  Speaker 3: and he was kind of addressing those on his own
• 22:46
  Speaker 3: as much as possible. There was a lot of work needed.
• 22:51
  Speaker 3: The roof repair was not the only thing, the only repair,
• 22:55
  Speaker 3: but we were really happy that when we were able
• 22:57
  Speaker 3: to assist him and get him that help that he needed.
• 23:01
  Speaker 3: There's quite a few. There's been, you know, homeowners without
• 23:06
  Speaker 3: hot water that come to us in stressed, you know,
• 23:10
  Speaker 3: beyond belief you don't have it. Yeah, Yeah, and when
• 23:15
  Speaker 3: you're at that point, you know, it's hard to figure
• 23:17
  Speaker 3: out where to turn. I'm thinking specifically, without saying names,
• 23:23
  Speaker 3: I believe that was oh maybe Northfield. All of these
• 23:28
  Speaker 3: projects kind of blend together. But the fact that we
• 23:32
  Speaker 3: were able to get him running water, I think it
• 23:35
  Speaker 3: was within a few weeks, which is pretty impressive for
• 23:38
  Speaker 3: the process that we're dealing with. That was a pretty
• 23:41
  Speaker 3: amazing feeling to know that you were able to assist
• 23:44
  Speaker 3: someone with such a critical repair.
• 23:46
  Speaker 1: So so, so, what what other resources are you tapping
• 23:50
  Speaker 1: into here for folks that are running saws, swinging hammers.
• 23:58
  Speaker 1: Who are these these carpenters, these these contractors.
• 24:03
  Speaker 5: Well, that's kind of up to the homeowner to choose.
• 24:07
  Speaker 4: Yeah, we don't really recommend anybody, but we have a
• 24:10
  Speaker 4: spreadsheet of people that have been used in the past.
• 24:14
  Speaker 4: We just we can't really give a recommendation, but you know,
• 24:17
  Speaker 4: we will let people take a glance at that and
• 24:20
  Speaker 4: see if there's somebody they want to work with. But
• 24:23
  Speaker 4: basically they just try to come to us with some
• 24:25
  Speaker 4: sort of estimate for the work that they want done,
• 24:29
  Speaker 4: and we try to go from there. We've got to
• 24:32
  Speaker 4: have that estimate to start the process, so that needs
• 24:38
  Speaker 4: to come sooner than later.
• 24:40
  Speaker 1: If you're just joining us. Vlicia Smith and Ryan Carpenter
• 24:44
  Speaker 1: are my guests this morning from Downstreet Housing and Community Development.
• 24:49
  Speaker 1: It's their Green Mountain home repair program, which you too
• 24:53
  Speaker 1: are kind of spearheading. You're you're on the front line
• 24:57
  Speaker 1: for this.
• 24:58
  Speaker 3: Yeah, we have a whole team that kind of works
• 25:04
  Speaker 3: together to review a lot of these home repair projects.
• 25:08
  Speaker 3: As the lending manager, I am in taking a lot
• 25:12
  Speaker 3: of these applications and working pretty closely with the homeowner
• 25:16
  Speaker 3: through the process. Ryan assists with the inspections when he can,
• 25:22
  Speaker 3: helping us with the scope before pairing that down. So
• 25:26
  Speaker 3: it is a combined effort.
• 25:27
  Speaker 1: But yeah, what do you say to someone who is watching,
• 25:33
  Speaker 1: listening right now, who may be hesitant or maybe even
• 25:41
  Speaker 1: reluctant to explore this and fill out an application.
• 25:48
  Speaker 3: Yeah, I hear a lot of reluctance from time to
• 25:51
  Speaker 3: time from homeowners, mainly because of the process, especially when
• 25:56
  Speaker 3: you're dealing with federal money, Especially when you have inspections
• 26:01
  Speaker 3: tied to the work that we're that's being performed that
• 26:04
  Speaker 3: we're funding. There is a little bit of a pushback
• 26:08
  Speaker 3: towards that. One thing I would say is that this
• 26:12
  Speaker 3: money is here, it's available for you, especially if you,
• 26:19
  Speaker 3: you know, have lived in this community, or even if
• 26:21
  Speaker 3: you've just moved here. If you are income eligible, this
• 26:27
  Speaker 3: program was intended and designed for you. So I don't
• 26:31
  Speaker 3: think there should be any reluctance from you know, coming
• 26:35
  Speaker 3: to Downstreet and asking for that help. I think that
• 26:39
  Speaker 3: it's sometimes a tough pill for people to swallow, especially
• 26:42
  Speaker 3: if they pride themselves and not not coming to or
• 26:47
  Speaker 3: not taken on additional health you know, which is understandable.
• 26:53
  Speaker 1: Can we uh put your your email in the comments
• 26:58
  Speaker 1: here for for folks to get in touch with you. Yes, okay,
• 27:02
  Speaker 1: we're going to do that right now. What what kind
• 27:06
  Speaker 1: of interest rates are we talking about for this for
• 27:12
  Speaker 1: the up to what is it up to twenty thousand dollars?
• 27:15
  Speaker 3: Twenty thousand? Yes, so interest rates range from zero to
• 27:19
  Speaker 3: three percent. Yes, yeah, so that is significantly lower than
• 27:24
  Speaker 3: if you were going to a traditional bank. So it's
• 27:28
  Speaker 3: a no brainer. If you are need of home repairs,
• 27:31
  Speaker 3: you are eligible, you meet those other requirements, come to
• 27:35
  Speaker 3: down Street why not.
• 27:38
  Speaker 5: What's the deferred Yes, so we do.
• 27:41
  Speaker 3: Offer deferred loans as well as amortized loans. So with
• 27:45
  Speaker 3: deferred loans, if your debt to income ratio is below
• 27:50
  Speaker 3: or less than forty five percent, you are automatically considered
• 27:54
  Speaker 3: for deferred loan. There's a few other pieces that we
• 27:57
  Speaker 3: do look at, such is your area median income. So
• 28:04
  Speaker 3: once we go through that underwriting process, we're able to
• 28:08
  Speaker 3: figure out what you are eligible for and have that
• 28:11
  Speaker 3: conversation with you. And is what a deferred loan? Oh? Yes,
• 28:16
  Speaker 3: that is important. You know you say these terms on
• 28:21
  Speaker 3: your in your daily life so much and then you
• 28:24
  Speaker 3: assume everybody knows that, so I apologize for that. But
• 28:27
  Speaker 3: a deferred loan there's no monthly payments, so the requirement
• 28:33
  Speaker 3: to repay that would come into effect when you sold
• 28:36
  Speaker 3: the home or there was a transfer in ownership, so
• 28:39
  Speaker 3: and there's no interest accruing through that time, which is wonderful. Right,
• 28:44
  Speaker 3: So you can, if you're eligible, you can get a
• 28:48
  Speaker 3: loan up to twenty thousand. It's possible. It may not
• 28:51
  Speaker 3: have payments on that, and we can get you the
• 28:54
  Speaker 3: repair you need.
• 28:55
  Speaker 1: It's not something else.
• 28:56
  Speaker 4: That's a great way to help people age in home
• 28:59
  Speaker 4: because you may not have the income to pay that
• 29:02
  Speaker 4: bill monthly, you don't have to accrue any interest, and
• 29:05
  Speaker 4: then you know at the end, when you decide that
• 29:08
  Speaker 4: you can no longer live in the home and you've
• 29:11
  Speaker 4: got to sell it or your kids do, then they
• 29:13
  Speaker 4: just repay that portion that's owed out of the sale
• 29:16
  Speaker 4: of the home and you don't have to worry about
• 29:17
  Speaker 4: where that money comes from.
• 29:19
  Speaker 1: Wow, it's that that simple it can be.
• 29:22
  Speaker 3: Yeah, we do all the hard work so that it's
• 29:24
  Speaker 3: as easy for the homeowner as possible.
• 29:26
  Speaker 1: Exactly. You know, housing and lack thereof, I think most
• 29:36
  Speaker 1: of us would agree is a really complex issue. This
• 29:41
  Speaker 1: isn't there's no cut and dry solutions here, especially in Vermont,
• 29:46
  Speaker 1: and frankly, I think we're we're trying to figure it out.
• 29:50
  Speaker 1: We're trying to figure out what to do. There's there's
• 29:53
  Speaker 1: a balance, there's a dance between housing, community housing, and
• 30:00
  Speaker 1: you guys are just right at the forefront in Vermont
• 30:04
  Speaker 1: for creating some really exciting new projects. They're all over
• 30:08
  Speaker 1: the place, and not one of them is exactly the same.
• 30:13
  Speaker 1: I mean, look at Sporanzo, Look at what you guys
• 30:16
  Speaker 1: are doing up in Morrisville. Look what's going to happen
• 30:19
  Speaker 1: right here on on Seminary Street Fox Run. I mean,
• 30:24
  Speaker 1: the list goes on and on. What you're doing is remarkable.
• 30:27
  Speaker 1: But between new construction and like I said earlier, trying
• 30:33
  Speaker 1: to allow people to age in place, and that's so important,
• 30:38
  Speaker 1: and just you keep having the services and all. That's great,
• 30:43
  Speaker 1: that's one thing, but you've got to be able to
• 30:48
  Speaker 1: have a home that's that's doing its job. It's it's functioning.
• 30:54
  Speaker 1: It's it's keeping the water's on, the hot waters on,
• 30:58
  Speaker 1: it's not freezing cold inside, and it may not be perfect,
• 31:01
  Speaker 1: but may it's a lot better than it was. And
• 31:04
  Speaker 1: it's a lot more cost effective than building a whole
• 31:07
  Speaker 1: new home.
• 31:08
  Speaker 4: Yeah, for sure, especially with today expensive so expensive.
• 31:13
  Speaker 1: Yeah. Wow, what else that I wanted to ask you
• 31:17
  Speaker 1: guys the floods. There have been so many people in
• 31:28
  Speaker 1: these counties that you're talking about who were displaced in
• 31:36
  Speaker 1: a year's time. I mean, those those two floods, both
• 31:39
  Speaker 1: on July tenth. What kind of are are you? Are
• 31:45
  Speaker 1: you guys feeling that? Are you? Are you? Are you?
• 31:47
  Speaker 1: Do you think you're You're getting a good number of
• 31:50
  Speaker 1: applicants that have been affected by the floods.
• 31:54
  Speaker 3: We had a lot of inquiries. We we've talked to
• 31:58
  Speaker 3: a lot of homeowners with dry wells. We spoke to
• 32:02
  Speaker 3: a lot of people with damage from both of those floods.
• 32:07
  Speaker 3: Like as you said, I think you know when you know,
• 32:13
  Speaker 3: homeowners are kind of in that in that space, it's
• 32:16
  Speaker 3: it's hard sometimes for them to focus maybe on the
• 32:20
  Speaker 3: the process of the program. So we had a few
• 32:24
  Speaker 3: projects trickle in. We had a lot of immediate phone
• 32:27
  Speaker 3: calls afterwards.
• 32:28
  Speaker 1: I'm sure, yeah, I'm sure you're you're you guys are
• 32:31
  Speaker 1: fielding a lot. Very simple to do this again, just
• 32:37
  Speaker 1: get on downstreet dot org. Yeap, or call and we've
• 32:43
  Speaker 1: put the phone number up here four seven six forty
• 32:45
  Speaker 1: four ninety three, or email you. I've got your email
• 32:49
  Speaker 1: right here, but it's V Smith at downstreet dot org.
• 32:53
  Speaker 3: That is correct.
• 32:53
  Speaker 1: Boys, That easy too, That's an easy one. It doesn't
• 32:56
  Speaker 1: get any better, especially on a Monday morning. An easy
• 33:00
  Speaker 1: email like that, and just make a simple phone call.
• 33:03
  Speaker 1: And at that point you probably send off an email
• 33:07
  Speaker 1: with an application. Yep. What if folks need help with.
• 33:10
  Speaker 3: That application, absolutely they can give us a call. We
• 33:14
  Speaker 3: can set up an in person meeting. Whatever the needs are.
• 33:18
  Speaker 3: We can sit with you and walk you through that application.
• 33:21
  Speaker 3: There's a process to this program, as I've mentioned, since
• 33:25
  Speaker 3: it is federal money. So I love having that initial
• 33:31
  Speaker 3: conversation with folks and talking them through every step because
• 33:34
  Speaker 3: I don't want you to be surprised of anything that
• 33:37
  Speaker 3: may come up. So if it's an initial conversation, if
• 33:42
  Speaker 3: it's coming in and getting help with that application, we're
• 33:45
  Speaker 3: here and that is.
• 33:46
  Speaker 1: What we do. People that are listening right now who
• 33:50
  Speaker 1: are thinking to themselves, well, what about this? What about that?
• 33:54
  Speaker 1: Are there any things that are not part of that
• 34:00
  Speaker 1: are not eligible for repair?
• 34:03
  Speaker 3: Sure? Anyway, don't do this. We don't do that right,
• 34:08
  Speaker 3: anything that is cosmetic, non structural, non health and safety repair.
• 34:14
  Speaker 3: So you certainly cannot come to us because you want
• 34:17
  Speaker 3: to remodel your bathroom or your kitchen just because that's
• 34:20
  Speaker 3: fun and it would look nicer. The money and the
• 34:23
  Speaker 3: funds are you know, it's intended for homeowners that have
• 34:28
  Speaker 3: critical health and safety repairs. There's a need there, So
• 34:32
  Speaker 3: if that helps answer that, yeah, yeah. And also non
• 34:36
  Speaker 3: livable spaces, so we cannot repair the roof over your
• 34:40
  Speaker 3: garage unfortunately, yeah, or do any site work for example, landscaping.
• 34:49
  Speaker 3: No landscaping no gardening.
• 34:52
  Speaker 4: Unfortunately, there are exceptions to that if it's directly tied
• 34:56
  Speaker 4: to water infiltration, like you were talking about the floods.
• 35:00
  Speaker 4: We have had people that had water getting into their
• 35:03
  Speaker 4: home trying to erode the basement, so grading, getting in
• 35:07
  Speaker 4: gutters and getting that water diverted away from the home
• 35:10
  Speaker 4: to preserve it. That that does count, so that that
• 35:13
  Speaker 4: little bit of site work there might be some tangency there.
• 35:17
  Speaker 1: Wow, contractors are tough to find.
• 35:23
  Speaker 5: That they are good ones, especially yeah.
• 35:26
  Speaker 1: Masons, I mean there's they're tough to find.
• 35:30
  Speaker 3: Yeah. I think that's probably one of our biggest struggles
• 35:34
  Speaker 3: right now, is for folks even to have estimates when
• 35:38
  Speaker 3: they apply to kind of give us an idea of
• 35:40
  Speaker 3: how much the project is going to cost. It's really tough,
• 35:44
  Speaker 3: and I think waiting til the last minute obviously does
• 35:47
  Speaker 3: not help. But a lot of those times, you know,
• 35:52
  Speaker 3: homeowners are ready to move forward when they are being
• 35:55
  Speaker 3: forced to move forward with a repair, so they may
• 35:57
  Speaker 3: not not have those estimates in place. So it does
• 36:01
  Speaker 3: make the process a little bit longer when we don't
• 36:03
  Speaker 3: have estimates. It is it seems to be a consistent issue.
• 36:09
  Speaker 1: Yeah, this this stuff can take a while to do it.
• 36:12
  Speaker 1: It can I can get on it. I mean the
• 36:16
  Speaker 1: time right now, And that's why we got you guys
• 36:19
  Speaker 1: on in early yeah spring here, I mean before I
• 36:24
  Speaker 1: hate to say this, but before you know it, it's
• 36:26
  Speaker 1: it's going to be cold. We have the summer months
• 36:28
  Speaker 1: are short here.
• 36:29
  Speaker 4: So contractors are also they book up really quick in
• 36:33
  Speaker 4: the spring. They they're probably taking work out. They might
• 36:35
  Speaker 4: not be open again until September October at this point.
• 36:38
  Speaker 4: Even so you've got to reach out to them. And again,
• 36:41
  Speaker 4: same thing. If if you're still if you can't get
• 36:44
  Speaker 4: a contractor and you're still looking into this, you can
• 36:46
  Speaker 4: always keep the process going. Maybe you can get estimates
• 36:50
  Speaker 4: later this summer if you can't get them now, and
• 36:53
  Speaker 4: we can work with you then. So don't don't give
• 36:55
  Speaker 4: up and just keep going. And yeah, it's it's okay
• 36:58
  Speaker 4: to ask for help. That's probably the artist thing, like
• 37:00
  Speaker 4: you said, for a lot of her monitors, Yeah, a
• 37:02
  Speaker 4: lot of pride. My great aunt used to live right
• 37:05
  Speaker 4: up the road from us, live by yourself until she
• 37:07
  Speaker 4: was ninety five. She didn't ask for much help. Her
• 37:11
  Speaker 4: house was kind of falling apart, in deteriorating, and that's
• 37:14
  Speaker 4: just kind of how it got sold. She lived in
• 37:15
  Speaker 4: it and struggled through. So just ask for help, It's okay.
• 37:19
  Speaker 1: Yeah, and be a good neighbor too. You know, if
• 37:24
  Speaker 1: you see someone that you think might benefit from this
• 37:28
  Speaker 1: program over and knock at the door and have a
• 37:30
  Speaker 1: conversation with them. Yeah, absolutely, and let them know how
• 37:33
  Speaker 1: easy it is to pick up the phone or get
• 37:37
  Speaker 1: in touch with you guys. Anything else that you can
• 37:41
  Speaker 1: think of. Today we're promoting the Green Mountain Home Repair Division,
• 37:47
  Speaker 1: if you will, within down Street Housing and Community Development.
• 37:54
  Speaker 3: Well, if you know, we can kind of go through
• 37:56
  Speaker 3: the bit of the process you were talking to you
• 37:59
  Speaker 3: mentioned that, Yeah, it can take some time. I think
• 38:03
  Speaker 3: we have gotten so good in our process that we've
• 38:07
  Speaker 3: been able to cut down on a lot of that.
• 38:10
  Speaker 3: So from the time of application, I would say within
• 38:13
  Speaker 3: a week we are moving towards the next step of
• 38:17
  Speaker 3: an inspection, so either Ryan or another home inspector will
• 38:22
  Speaker 3: come out to the home. We need to get an
• 38:25
  Speaker 3: idea of where the home is.
• 38:27
  Speaker 5: At baseline baseline.
• 38:29
  Speaker 3: Yeah, so even if you are applying for one specific repair,
• 38:34
  Speaker 3: we do need to know if there's any health and
• 38:37
  Speaker 3: safety issues that could take priority.
• 38:40
  Speaker 4: Open junction box, electrical something that just might be a
• 38:43
  Speaker 4: hazard that you're not aware of, a GFCI that's not
• 38:48
  Speaker 4: not functioning, or you don't have one near like maybe
• 38:50
  Speaker 4: your your washing machine, near your kitchen counters, anywhere near water,
• 38:55
  Speaker 4: you should have a GFCI to protect yourself from electrical shock.
• 38:59
  Speaker 3: Yeah, and I think that's the added benefit to happen
• 39:03
  Speaker 3: an inspection is you get to an outside opinion about,
• 39:08
  Speaker 3: you know, something you may not have been thinking of
• 39:11
  Speaker 3: and understanding what those safety issues are. So once we
• 39:16
  Speaker 3: have that inspection in place and we're able to finalize
• 39:19
  Speaker 3: and pare down that scope of work if you have estimates,
• 39:23
  Speaker 3: that is just submitting the scope of work to the
• 39:27
  Speaker 3: Historic Preservation for their review. Turnaround time could be as
• 39:33
  Speaker 3: quickly as one week. This is a little bit longer
• 39:35
  Speaker 3: if you fear home is in the historic district or
• 39:39
  Speaker 3: if it is one hundred years old or older. So
• 39:44
  Speaker 3: there are factors that you know, depending on the project
• 39:48
  Speaker 3: that could change that. Next it would be the environmental review.
• 39:52
  Speaker 3: But once we have those state approvals in place, it's
• 39:57
  Speaker 3: really just a go ahead for us. Either we are
• 39:59
  Speaker 3: signing a grain of agreement or we're starting the loan
• 40:02
  Speaker 3: closing procedures. So I just wanted to kind of quickly
• 40:05
  Speaker 3: breeze through the process because it does seem like, you know, wow,
• 40:10
  Speaker 3: that's a lot, that's a lot of oversight. But I
• 40:13
  Speaker 3: think when you take a step back at it, for
• 40:15
  Speaker 3: five thousand dollars of money that you do not have
• 40:17
  Speaker 3: to pay back, or a twenty thousand dollar alone a
• 40:21
  Speaker 3: very low interest, I think we're deferred deferred. He really
• 40:25
  Speaker 3: loves these deferred loans.
• 40:26
  Speaker 5: I think everybody I do too.
• 40:29
  Speaker 1: I love the sound of it.
• 40:31
  Speaker 3: Yes, absolutely so. I think when you put it in
• 40:33
  Speaker 3: that context, it just makes sense. So if you're eligible,
• 40:36
  Speaker 3: I encourage you to apply.
• 40:38
  Speaker 1: Yeah, h cash, it's so easy to do so too.
• 40:41
  Speaker 1: Don't don't hesitate on this. The absolute worst case scenario
• 40:46
  Speaker 1: is you're going to be told no. But maybe given
• 40:51
  Speaker 1: some ideas to absolutely to push forward, or that.
• 40:56
  Speaker 5: We can help with a portion of it. You know,
• 40:58
  Speaker 5: we might be able to team up, Blake.
• 40:59
  Speaker 4: We'd said, maybe Capstone can take care of something, maybe
• 41:02
  Speaker 4: Efficiency Vermont can take care of something, and maybe we
• 41:04
  Speaker 4: can take care of another part of it. So maybe
• 41:07
  Speaker 4: maybe together we can we can all get one bigger
• 41:10
  Speaker 4: project done.
• 41:11
  Speaker 1: That's a great point it's a great point. Anything else
• 41:15
  Speaker 1: that you can think of.
• 41:19
  Speaker 4: We pay the contractor directly. Oh yeah, that part is
• 41:22
  Speaker 4: one last thing you have to worry about.
• 41:23
  Speaker 1: Is the homeowner.
• 41:25
  Speaker 3: Yes, so if you close on the loan with us,
• 41:29
  Speaker 3: or if you sign a grand agreement, we hold that
• 41:33
  Speaker 3: we call it the construction es grow So we hold
• 41:36
  Speaker 3: that funds in house and we pay those contractors directly.
• 41:41
  Speaker 3: We do. We conduct inspections for each progress payment. So
• 41:45
  Speaker 3: we want to make sure the work is done the
• 41:47
  Speaker 3: way that they said that it's it's going to be done,
• 41:50
  Speaker 3: and that it's done correctly and up to code, to
• 41:53
  Speaker 3: kind of take away that liability of the homeowner paying
• 41:55
  Speaker 3: for work and then ending up with you know, maybe
• 41:58
  Speaker 3: bigger issues in the lot run. Yeah.
• 42:01
  Speaker 1: I didn't even think of that. So you're advocating too.
• 42:04
  Speaker 3: Yeah, absolutely, absolutely. You want to protect homeowners as much
• 42:09
  Speaker 3: as possible and and just make sure that they're getting
• 42:13
  Speaker 3: what they come to us for and.
• 42:17
  Speaker 1: Great stuff. Before we uh, before we head out, let's uh,
• 42:22
  Speaker 1: let's give a tip of the hat to Kevin Ellis.
• 42:27
  Speaker 1: What a heck of a guy. Yes, what a great guy,
• 42:33
  Speaker 1: the board chair and has been for however long decade,
• 42:42
  Speaker 1: quite a while, quite a while, and he's got some
• 42:45
  Speaker 1: really exciting things on on his horizon. I'm hoping he'll
• 42:49
  Speaker 1: be in here soon too.
• 42:50
  Speaker 3: Yeah, to tell, awesome having conversations with him. He's absolutely
• 42:56
  Speaker 3: very passionate about everything that Downstream.
• 42:59
  Speaker 5: Has a totally a champion of us for a while.
• 43:04
  Speaker 1: Yeah, yeah, I agree to have him really exciting things
• 43:07
  Speaker 1: on the horizon for Downstreet. You guys are doing great,
• 43:11
  Speaker 1: great work. Thank you again. This is the Green Mountain
• 43:15
  Speaker 1: Home Repair part of Downstreet Housing and Community Development. Felicia
• 43:21
  Speaker 1: Smith and Ryan Carpenter my guests this morning. If anyone
• 43:26
  Speaker 1: has any more questions about any of this, and I
• 43:29
  Speaker 1: know it's a mouthful, Downstreet dot Org is the beginning,
• 43:34
  Speaker 1: That's that's where you should start. But again, we've got
• 43:37
  Speaker 1: eight oh two four seven six forty four ninety three
• 43:41
  Speaker 1: that's in the comments here. That's the direct line that's
• 43:44
  Speaker 1: going to come to you guys for folks that have
• 43:47
  Speaker 1: questions or v Smith at where is it downstreet dot org? Okay,
• 43:54
  Speaker 1: thank you guys so much for coming in here. Have
• 43:56
  Speaker 1: a great rest of your day. Tomorrow, Brad Griffin is
• 44:01
  Speaker 1: going to be in here and it is going to
• 44:03
  Speaker 1: be an incredible story of resilience and hope, of what
• 44:10
  Speaker 1: he has overcome, what he has done with his life,
• 44:14
  Speaker 1: and what he's doing now and intends to in the future.
• 44:19
  Speaker 1: It's a great, great, great story this morning to give
• 44:24
  Speaker 1: you inspiration to push forward tomorrow morning on the aired
• 44:28
  Speaker 1: out podcast. Have a fantastic rest of your day. Hopefully
• 44:33
  Speaker 1: we'll get Lily's softball game in this afternoon. I'm looking
• 44:36
  Speaker 1: forward to it. Be well, God blessed, take good care
• 44:40
  Speaker 1: and thanks so much for being a part of the
• 44:43
  Speaker 1: experience this morning and the conversation with Downstreet Housing and
• 44:47
  Speaker 1: Community Development with their Green Mountain home repair. Thanks so much,
• 44:53
  Speaker 1: God bless We'll catch you sing
• 46:00
  Speaker 4: Assassato o.