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Newspaper
High Point Enterprise
Location
High Point, North Carolina, United States of America
Date
Mar 06, 1938
Page
17
A terse statement assigns responsibility for security to the lending agency. The note implies that the lender controls security arrangements and related decisions.
The article argues that compact closets in financed home improvements waste space. It analyzes a four by four foot closet showing how door, pole, shelves, and hooks leave unusable areas, with central space serving no purpose and limited benefit from shelving or wall hooks.
A space to build a chest with three or four drawers in a closet. A counter shelf on top provides storage for items. The description outlines a compact, practical carpentry idea.
Washington DC The National Mortgage Association of Washington begins operation with initial capital of 10 million dollars and a 1 million dollar surplus funded by the Reconstruction Finance Corporation to mobilize up to 50 million dollars for private housing loans. It will issue obligations up to twenty times its capital to raise cash and back insured mortgages with government debentures.
Loans to finance improving the utility or value of a structure by private sidewalks driveways or landscaping are eligible for insurance under the Federal Housing Administration Property Improvement Plan.
Guidelines for remodeling bathrooms emphasize structural load in floors and walls. Tile floors with concrete bases require beveled joists and between joists forms. Ensure pipes are in place before concrete pours and bridge pipes with tin lath to prevent cracking. Install towel bar anchors on continuous nail strips and place switches out of tub reach. Use nonconducting pull-chain links and consider FHA insured credit funds for remodeling.
Washington explains the plan with Q and A. Eligible borrowers include individuals corporations farms and homeowners. Lenders are about 7000 FHA approved private institutions. Loans up to 10000 for modernization and repair 2500 for new structures and in some cases new dwellings. Repayment up to five years and up to ten years for new homes. Funds insure by FHA not lent by FHA. Not for appliances or furnishings. only permanent property improvements. Security required only for new dwellings up to 2500. larger loans expect bank to require mortgage or deed of trust. Farmers may repay from crop or livestock sales.
Under the Property Improvement Plan of the Federal Housing Administration repairs or improvements on existing structures may be financed with insurance. The loan limit is $10,000 outstanding at any time, excluding financing charges, and must meet National Housing Act regulations.
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