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Newspaper
High Point Enterprise
Location
High Point, North Carolina, United States of America
Date
Oct 16, 1938
Page
18
The Federal Housing Administration finds many subdivisions fail at tract corners with dead end streets and poorly shaped lots. It advises looping streets or turnarounds, shallow loop layouts, and park areas to preserve value and harmony while using restrictive covenants and zoning for stability.
Vermin proof odorless insulation guards roofs and walls against heat gain in summer and heat loss in winter. Flintrote Mineral Wool installed outside saves energy and adds home value. Free estimate offered. low cost surprise in High Point area.
The FHA record supports the belief Americans favor owning homes. FHA mortgage insurance has processed over 500000 loans valued at about 2.1 billion dollars, suggesting widespread stability and commitment to home ownership.
FHA officials report that four years of operation under the Insured Mortgage System saw a large volume of home buyers finance with insured mortgages. They note the activity reflects FHA operations only, not other financing plans. August filings reached $104,000,600, up 115 percent from August 1937.
The basement evolves from storage to a popular living space with rumpus rooms and entertainment centers. Modernization expands its use and funding via private lenders under the Federal Housing Administration Property Improvement Credit Plan.
FHA insures qualified lending institutions against losses on Property Improvement Credit Plan loans up to 10 percent of the aggregate net amount advanced. Losses above this 10 percent are borne by the lender. Past programs show the 10 percent cover effectively guarantees against loss when normal credit judgment and a fair loan volume are used. Also notes a side remark that some scientists estimate ultimate airplane speeds near 600 miles per hour.
The FHA funded 140,776 property improvement loans totaling $67,931,195 through 2,978 private lenders from February 1938 to July 31. Exterior and interior finishing accounted for the largest share. average loans for new structures were $1,506. Improvements to small homes dominated loan counts, but commercial properties had the highest average loan.
The article notes metal weather strips on windows help reduce heating costs in winter and improve room livability. It mentions the Federal Housing Administration Property Improvement Credit Plan as a source of funds for such home improvements.
FHA land planning chief Seward H. Mott outlines standards for neighborhoods to qualify as securities for insured mortgages. Criteria include city economic stability, zoning protections, hazard controls, local amenities, transit and utilities, taxes, and overall neighborhood appeal.
Reports indicate over 10,000 people killed and more than 15,000 injured by air raids since the Spanish war began, underscoring the escalating civilian toll in Loy alist Spain.
The FHA sponsored mortgage offers key distinctions from earlier loans. It may loan up to 80 or 90 percent of the property value, spans 20 to 25 years, includes partial principal repayments each month, adheres to sound construction standards, and lowers financing costs.
Questions address winter drafts around window woodwork and solutions. Topics include caulking masonry gaps or wooden joints, using candle wick or plaster for packing, applying commercial caulking, sealing from outside, painting window sills with waxlike finishes, reconditioning putty by replacing it, and evaluating weather strips for heat loss.
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