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Newspaper
San Antonio Light
Location
San Antonio, Texas, United States of America
Date
Jun 26, 1938
Page
23
The purchaser seeks assurance to cover mortgage obligations in buying a home, emphasizing the Federal Housing Administration review. Stewart McDonald notes the borrower's ability to pay is key, with five specialists from separate viewpoints evaluating construction, appraisal, security, rental value, location, and marketability to ensure sound financing.
The chief underwriter reviews reports from five men to measure overall risk in mortgage lending. Each step influences construction standards, property safety, and neighborhood values, extending beyond individual deals to affect the broader real estate market.
The text argues neighborhood preservation will eventually foster stable real estate market conditions and a safer home mortgage financing system. It suggests the system should provide a safety factor for mortgage lending against real estate market forces and practices previously unchecked.
A farmer and builder style Q and A covers costs of construction materials and methods, waterproofing for stucco, architect fees, porch repairs, damp yard drainage, brickwork terminology, insulation materials, and roof finishing. It advises consulting a local architect for cost variation, using Portland cement paint or masonry waterproofers, and reversing ground slope or installing drain tile to solve moisture issues.
In a wartime lab, engineer A. Lindberg stresses research to perfect electric fan design and efficiency. He describes optimal placement for cooling: in a one-window sleeping room open window, fan aimed to pull cooler outside air in. in a two-window room place bed between windows for cross flow. in offices, set fan on floor to circulate cooler air near the floor. He notes controlling window openings and top sash to vent hot air and improve comfort.
The federal housing administration will mark its fourth anniversary Monday with gross business over 2.5 billion dollars. It reports about 3500 homes financed weekly, most under 8000 dollars, with many buyers earning under 2500 annually. The agency sustains operating expenses from premiums and appraisal fees, and has a reserve near 21 million dollars against losses of only 82 thousand. President Roosevelt signed the act on June 27, 1934, and Administrator Stewart McDonald cites the aim to improve housing standards and establish a sound home financing system.
A four year push by the Federal Housing Administration aims to modernize mortgage lending by eliminating private and outdated second mortgage practices. The agency reports a strong nationwide response to liberal housing programs under the amended act signed February 2, with business gains over the same period last year and expectations of a more prosperous home building year despite the recession.
Instructions describe cleaning fire damaged walls by washing with hot water, scrubbing with a stiff brush, using cleansing powder, then rinsing with clean water and air drying before repainting. Includes advice on using two hoses if possible and allowing walls to dry completely.
Whitlott describes four glass types for homes with plate and drawn categories. Plate glass offers high clarity and minimal distortion but is costly. drawn glass is cheaper and can be distortion prone and limited in size. Ultraviolet glass is noted for therapeutic value when meeting standards.
F A Dunn owner of City Gamber company explains the new Johns Manville asbestos siding shingles modernizing home exteriors. The shingles imitate heavy-nutted wood grain, resist burning and wear, and suit new or remodeled houses. Lead coated copper gutters extend life and prevent stain on exterior surfaces.
A discussion on how store fronts and window displays evolve with fashion trends over a decade. Modernizing shops, including shoes hats and accessories, may require credit lines via FHA backed programs for owners and lenders, with private banks and building and loan associations key providers.
Planned design for stores and small shopping centers in Teshjeulial communities has sparked zoning battles over attractive exteriors, signage, and paint. Recent developments restrict signage and design, pleasing residents and helping business profitability. Architects are often paid for by improved symmetry, decor, and efficiency.
Awnings are damaged by cigarettes and weather, so a new hinged metal cover blends with building Front design to shield awnings. The device, financed through the FHA property improvement credit plan, offers protection while preserving appearance.
The living room features walls in a dirty amul berry or tints of pear finished ebony for a strong contrast. Creamy peach or pale blue walls provide a calm backdrop with chinty draperies in gray and ebony, creating a striking framed effect around windows. Black accents lift the overall look.
Small communities benefit from enforced local minimum construction rules tied to the Federal Housing Administration mortgage insurance program. FHA reports say many towns rely on FHA standards in place of building and plumbing codes, spurring zoning and planning interest and prompting cities to draft protective ordinances.
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