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Newspaper
High Point Enterprise
Location
High Point, North Carolina, United States of America
Date
Oct 22, 1939
Page
6
A practical guide discusses choosing a simple yet efficient house plan suited to family needs and climate. It warns that complex designs may reduce value, and offers guidance on heating systems, layout, and fuel use plus advice against renting an apartment over a garage. It also stresses planting to enhance the home’s setting.
A San Francisco bank official discusses the Modern-Credit Plan of federal authorities, arguing that rehabilitating properties in lean years boosts livability, preserves original investment, and raises returns. Banking support spurs construction, jobs, and community prosperity through renewed capital flows.
A report by the American Public Health Association ties a student death and 80 illnesses at Michigan State College to water pollution from siphonage and faulty plumbing. The study urges overhaul with modern fixtures and safety checks funded by modernization loans from housing authorities.
Paint experts note Autumn offers more favorable painting weather than Spring though psychology drives the trend. Spring moisture in wood makes Fall preferred for protection and curb appeal during winter. homeowners should start now and may obtain funds via the Modernization Credit Plan of FHA through qualified lenders.
FHA officials warn that shoddy housing challenges buyers and lenders. Increased demand for quality, stricter federal standards, and builder readiness strain disposal of poorly constructed homes, risking economic and living instability for thousands.
Federal Housing Administration officials argue that streets crossing at right angles reduce hazards and improve corner shapes for homes. Proper grid planning minimizes street length, lowers construction costs, and cuts fatal accidents by improving visibility and traffic flow.
FHA officials warn no mortgage is free from risk and pre judgment of loan quality is necessary. Emphasis is placed on borrower income to payment ratio ensuring a reasonable expectation of repayment.
Federal Housing Administrator Stewart McDonald says monthly mortgage payments should align with borrowers' normal income. He cites insistence on this point as a key factor in reducing foreclosures, noting past issues when payments exceeded earnings.
FHA's general educational program and building requirements have combined to give the home buyer a better value for his dollar.
FHA officials say under writing activity broadens prudent lending in mortgage programs. They cite checks on borrower credit, property security, and neighborhood, plus city economic background, as key to insured mortgage security.
Instructions explain applying plastic paint on new surfaces with priming rules for unpainted areas and avoiding priming on oil painted ones. It covers texture methods with brushes and sponges, glazing after drying, and a durability formula using white lead and oil. It also answers FHA loan coverage for heating systems and notes soldering increases conductivity.
Rural families gain running water as power lines expand across the nation. Financing may be arranged under FHA Modernization Credit Plan with funds from private lenders. Water systems bring baths, kitchens, laundry, livestock troughs, and irrigation options for farms not served by electricity.
Mrs Laura B Wood a seasoned home builder with two decades of experience is constructing an ideal home in Lincoln Nebraska. The house reflects buyers dislikes and likes from prior offerings and incorporates feminine touches to appeal to women aided by FHA insured financing.
In planning new neighborhoods the frontage set aside for commercial use should match the number of families served. Federal Housing Administration officials say this guards neighborhood values and restrictive covenants or zoning ordinances help limit the impact of excessive commercial use on homes.
An expert criticizes old forms of mortgage that let borrowers assume debts that would require diverting a disproportionate share of income to service. He notes that if income falls or expenses rise, the mortgage’s unsoundness and lack of safety become evident.
Federal Housing Administration officials note advances in construction methods and materials have reduced winter build doubts. Autumn and winter work can keep contractors busy, allow concessions, and offset extra precautions for weather. Concrete, masonry, plastering, and lumber must be protected from cold and moisture.
The National Housing Act aimed to create a mortgage system for homeowners and revive construction to employ workers. Administrator Stewart McDonald stated the FHA would not lend government money but would set up a mechanism to spur private mortgage lending.
The Federal Housing Administration offers guidelines for potential buyers. Check demand at asked prices and site suitability for development. Ensure accessibility to transit, roads, schools, and employment, plus utilities and street improvements meeting standards. Verify water, sewage, zoning compliance, covenants, subdivider financial ability, and aligned assessments and taxes.
FHA officials test prospective mortgages by measuring the ratio of a borrower's income to mortgage payments and the mortgage debt service to gauge foreclosure risk.
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