Show THE OGDEN SUNDAY MORNING JULY 23 1939 LOWER INCOME ' STANDARD-EXAMINE- In HOUSE BUYING GROUPS BENEFIT DISCOURAGED FROM LOAN PLAN -- Americans Display Courage IRRESPONSIBLE : It A R Americans are displaying com- f small - home mortgages insured notes reportmendable courage and confidence and property-repa- ir ed from centers the of country home through their plans for or less population building and repairs despite dis“All of this gives hope that the conditions turbing world-wid- e building Industry may yet prove This confidence is reflected in the answer to the pressing probthe record - breaking number of lem of which phase of industry small-hom- e mortgages and the will bring about the steady and vast volume of property - repair sound upward advance necessary notes insured by FHA for a healthy business progress’ That the activity is not confined one FHA official said to large metropolitan centers is shown in the large volume of 25-0- Home Buyers With Less Than $3000 Income Are In Majority Liberalized Plan Now Offers More Sound Methods to Purchase Home YY: v- Twenty - one per cent of the ilies acquiring homes in ad through the federal housing — insured mortgage ministration's £ Jsystem had annual incomes of less was disclosed in a Mthan $2000 Jt survey made public by Adminlstra-- " tor Stewart McDonald At the same time Mr McDon- aid revealed that 47 per cent of all families financing home mortgages under the FHA plan had incomes of less than $2500 and 62 per cent earned less than $3000 a year The analysis showed that 61 out of every 100 of these home buyers made monthly mortgage payments of less than $30 40 per cent of the total made payments less than $25 a pionth and 19 per cent made payments less than $20 Reaches Vast Market “These figures demonstrate that through operation of the insured mortgage system the construction industry is beginning to reach the income group comprising the vast Nfmarket for small homes" Mr McDonald stated “and shows that whom the small - home owner-fo- r the national housing act was largely passed is receiving the benefits from the FHA plan of home ownership “By and large not many of the purchasers in the income group below $2000 would have been able to fam1938 t Vi i ( Hf Federal housing authorities cautioned prospective home buyers against assuming that' tjie liberalized national housing act amendments now in effect furnish any “magic” way of buying a home “While the new amendments offer what is believed to be a liberal method of financing a home over a period of years” Mr Mc“thfe fact remains Donald said that there are a number of protective requirements which must be met before insurance will be granted on a mortgage under our insured mortgage system Irresponsible Ineligible "Moreover” Mr McDonald explained ‘‘it must not be assumed for a single minute that the irresponsible person motivated largely by the 1 ‘ ? undertake the financial responsibility of home ownership with any great degree of safety under the old system of mortgage lending Either they would have foregone the acquisition of a home or been forced to resort to costly and unsound financing whereby the ownership of their home would have been on a precarious basis” Financing Charges Low second-mortga- ge McDonald also pointed out Mr that another reason why families with moderate incomes were now able to acquire their own homes was that interest rates and financing charges are the lowest In his- o high-ratitory The single long-ter- The floor COMPACT plan of this compact Ohio home illustrates a‘ condition to be desired: Access to the ing administration ru©A Ample Space On All Sides Of Home Is Held Important I I I SHANGHAI (UP)— The possibility that Japan may succeed in building up new industrial areas throughout China even without substantial foreign financial assistance Is foreseen by some foreign military and naval circles These quarters predicted the en- tire far 'eastern military situation ss ? RISK RATING IS KEEP HOUSES COOL THE ANSWERS FINE TECHNIQUE Metal Hardware Needed In Home QUESTIONS Conducted by Art Shreeve Architect non-corrosi- What causes mildew on wood work and how cart 'it be elimlnat Q ed? A Mildew on woodwork Is due to excessive moisture if it is not d If this is the properly case in your home the only rem edy is to remove the woodwork dry thoroughly before painting and back-paiwith a good protective primer such as an aluminum paint The face of the wood work should also be well primed before painting back-painte- nt ng Q How far should a concrete footing under a chimney go down for a one-stor- y house? A All footings should be designed of a size to support adequately the load to be carried They should should be available (4) The property should be lo- extend below the frost line prevailcated preferably on a minor street ing in the neighborhood rather than on a major throough-far- e Q Does the lend government with heavy traffic money under the FHA insured s Coastal Beach To Open When Span Is Ready BEAUFORT S C (UP)— A new undergo a revolutionary coast playground soon change with serious consequences Atlantic be opened to America’s beach for any future enemies of Japan will with’ lovers completion of a $450-00- 0 At present it was pointed out connecting St Helena Japan's major industrial establish islandbridge and Hunting island ments are concentrated in a few island containing some Japanese cities They are vulner of Hunting recreational grounds the finest able to attack in event of war coast east on the previously has an enemy possessing pow accessible been only by boat or 'werful aerial forces airplane Speed Development The new bridge — in reality two The tendency of the Japanese causeways between the army to speed up development of separate — isles two bring the island a dozen scattered industrial areas within a fewwillhours of nearby throughout China indicated that Beaufort within a few years Japan’s means The bridge over Johnson of production of vital wartime creek first is 600 feet long with no supplies may not only be greater drawbridge The second spanning but decisively less vulnerable to Harbor river Is 2800 feet long enemy attacks because of wide- with a 185-fodrawbridge spread deconcentration Recent re island Is being develHunting ports that' the government is sub oped by the national park service sldizing industries which will agree in conjunction with the South to move from Japan to Manchu-ku- o Carolina park service Beaufort bear out this belief county obtained a PWA grant to Foreign naval officials pointed aid construction of the causeways out Japan does not face a problem A CCC camp was placed on the long overseas communication island in 1938 Since then the park ’“‘'jines to the same degree which services have laid out a regular confronts Great Britain in war- state park development project time They called attention to JapThe national park service has anese naval strength — which is not tentatively approved plans for two only growing constantly but has separate recreational areas one suffered virtually no tonnage losses for white tourists and one for in the China war — as probably The areas will contain able to transport supplies from Negroes cabins a picnic grounds China by the short sea route to common dining sleeping room and other Japan which Is less than 500 miles tourist facilities from Shanghai In addition approximately 88 Additionally Japan now controls acres will be reserved for the erecall the major Chinese railways tion of private cottages The lots oyer which goods from the inte- will be let on long-terlease rior industrial areas such as Nan- without restriction on price Deking Hankow Kaifeng Isinan sign of the beach cottages howand Taiyuan could be transported ever must have park service apto the central and north China proval coasts If necessary these goods An arch over the causeway to be routed through Hunting Island will be erected in and Korean railways to memory of the late Hal Pollitzer Fusan and then shipped to Moji ’irst chairman of the Hunting 120 miles across the heavily island commission which offeied fortified Korean straits isle to the state the 3000-acr- e island Hunting originally was Mann-Fourie aged 15 cough- given to Beaufort county by James ed up a one and one-ha- lf inch tie M Cameron of Harrisburg Pa pin which he swallowed two years and Dr Arthur E Elting of Alago in Bloemfontein South Africa bany 'N Y might mortgage plan? A No FHA-insure- d loans are made by private financial institutions approved by the federal housing administration ! 'T’f ve e Joe and Joan stocked up a healthy supply of new electric light bulbs During the past winter the old globes had done heavy duty and the couple knew that some of them would be burning out from time to time It was well to be prepared When the amateur work had been completed an electrician was summoned to the house to make a rigid inspection of all wir ing He aided Joe in re pairing switches and connections too complicated for the average home craftsman - sun-drie- Double Floors Serve Several Breakfast Nook Home Purposes Is Often Needed ' Particularly adaptable for bath- rooms are materials with water-resistiqualities such as linoleum waterproofed wallpaper asbestos wainscoting asphalt - tile flooring metal tile ceramic and glass tile ng in-th- e ch sun-bake- full-size- 4 With comparatively little remodeling and expense seldom - used side and rear porches may be converted into sun parlors A glassed-i- n sun room is often the most popular room in a home and can be used for flowers and often for a summer sleeping porch - TO HOME OWNERS me groups! the regula- tions do not permit its Insurance of mortgages on homes for families whose income is insufficient to amortize fte indebtedness according to FHA officials As custodian of the capital entrusted to its mutual mortgage insurance fund the federal housing administration must protect the Interests of both the private lender who advances the mortgage money and the borrower FHA officials point out Therefore sound must be followed in practices FHA’s Insuring operations to guard the safety of these princitransactions pals in home-buyin- g under the insured mortgage system “To waive or reduce the effectiveness of any of the protective devices In FHA’s underwriting procedure would only defeat the original purpose of the national housing act which is to 'encourage Improvement in housing standards and conditions and to provide a system of mutual mortgage insurance’” the FHA has pointed out AUSTRALIA GETS NEW INDUSTRIES HOME LIVABILITY Other Elements Considered Besides Equipment In Structure A home to give the utmost In pleasure must be much more than a mere efficient machine “The federal housing lutely necessary to the livability of a home" Mr McDonald said “However such equipment with all its present state of efficiency cannot produce alone a 'home of fully rounded satisfaction " Many Factor Considered “The many disturbing activities which! are peculiar to our modern mode pt living must be taken into account in the location appearance and Construction of homes bought under the insured morgage system To place a home equipped with every modern heating lighting and other domestic device and appliance in a location beyond the reach of necessary utilities and transportation services is virtually as uneconomic as building an ocean-goin- g vessel in the mountains “Therefore many factors must be considered by FHA’s appraisal and other underwriting personnel when scrutinizing properties offered as security for insured mortgage 0 Question Answered “Among the 'questions arising and which must be satisfactorily answered are: Is the property located in a neighborhood likely to survive over a considerable period of time la it able to resist encroachments by adverse elements such as commercial or industrial establishments? Is the neighborhood free from undesirable Confluence such as undue amounts of smoke or bad odors? Is the structure itself soundly built conforming in price conveniences and appearance with the other’ homes in its neighborhood? “These and other important factors have considerable bearing on the degree of satisfaction a buyer can expect from his home and are in FHA’s examination of properties given as security fof insured mortgage!’1 ' home' ownership ADVICE AVAILABLE slble chance of security for their money In the meantime all Australian industries are being flooded with orders from firms ' throughout the far east which fear that a European war would cut off their regular sources of supplies This is especially In iron and steely building materials and technical equipment Trade Area Extensive are There lines 400 manufactured themselves of the satisfaction of occupying a residence of their own Moreover many responsible persons may be foregoing home ownership because they are under the impression the initial requirements a well as the subsequent liquids- tion of the mortgage indebtedness is beyond their capacity Probably th best way- - to settle the question of whether to build or buy a home and whether one’s resources are sufficient is to consult any of the local lending institutions approved by FHA to make loans AU of these local financial institutions have the necessary information to guide the potential home owner in his venture It’s their business in fact and their advice proves helpful in avoiding many unnecessary and sometimes very unwise home-buyin- g and transactions building which might prove disastrous to the investor merchants in The Netherlands India Malay states Siam Indo-Chin- a Hongkong and the Philippines are planning to purchase here They include barbed wire lathes hardwood workshop machinery brass foundry products glass tiles refrigerators nuts and bolts paints and even steam engines Australia also is receiving much small capital from European refugees who have been permitted to enter the country or for whom permits have been issued To date they while have brought in $500000 those for whom permits have been issued will bring in $2000000 more Most of these permits are for skilled workers professional men producers of specialized textiles not yet made in Australia and others who have their own small The services of an expert are crafts and factories- which they generally needed to determine the ’ extent of the modernization needplan to reopen here ed when an old house is bought the intention of modernizing long rows for two or three months with it sun baking in the Some of the items to check in Rain and water were the adobe’s a house include leaky examining worst enemies before adding of the faucets drains sticking clogged While to the clay asphalt mixture the old style adobe dissolved when doors and windows broken sash flood waters rose above the found- cords and weather stripping The ations-or rain battered against a prospective purchaser of an old wall exposed by stucco breaking home should also see if the baseoff the new style sheds moisture boards have shrunk and creaking The asphalt mixture makesthe floors- should be examined The adobe bricks cost twice as much plaster especially at the top of but its users say the cost is offset door frames should b checked by the better qualities of the” new for cracks and all exposed wires material Paint can safely be ap- should be examined ho learn plied and stucco and plaster stay whether or not they are properly Insulated on "forever” they say which home-mortga- Expert Should Estimate Need For Repairing - - z: Specify NATURAL GAS in your new home - COOKING Prospective Builders REFRIGERATION IIOT WATER Plans of Modern Homes - 4 Information on F H A and other Financing 0UTGHP& Plans i ( ) Building? a New Home: 1 own my lot Yea ( ) No ( ( ) Buying a Homo ( ) Refinancing ( ) Modernizing Repair! ( ) Painting ( ( ) Floors Hardwood Tile ( ) Air Conditioning ( ( ) Concrete Sidewalks Drive ( ) Electrical Work ( ( ) Termite ( ) Old Mortgage ) Roofing ) Heating £ ) Plumbing ) Additions Check items That Interest You: We offer a “slow-burninfirst mortgage plan that gently but inevitably consumes every cent of debt on the home you buy build orj refinance It really hands you a home on a platter and allows you to pay for it over a period of years — out of income The Modem Fuel for Alt Purposes g” Name ECONOMICAL I CLEAN CONVENIENT Let Us Supply Estimates on Cost of Appliances and Service Inquiries cordially invited Street MOUNTAIN FUEL SUPPLY COMPANY Address Mail to iiaKii DEPARTMENT OF PUBLICITY BUILDERS PUBLICITY SERVICE 831 Soutlt n Grand Av Los Angeles California adminis- tration recognizes fully the fact that various kinds of equipment appliances and devices are abso- wood manufacture extraction of oil from shales and other Due to unfamillarity with the Most foreign capitalists invest- comparatively simple procedure of ing here say ther are doing! so be- acquiring a home many potential cause Australia offers the best pos hom owners may b depriving FOB HEATING— and LF Li Nik LS Colored Pictures the ' federal housing administration is doing everything it can through its authorization under the national housing act to make home ownership possible to the great majority of low-an- d While Helpful Hints For the Home i Many Wall Covers Used In Bathroom SOUND INCOME ENTERING INTO CANBERRA Australia UP) Capital fleeing from European uncertainty is pouring into Australia at such a rate that the commonwealth is enjoying the greatest Industrial expansion experienced since 1932 and-JoaThe associated chambers I of manufacturers announced that new Industries are being established and capital investments made involving many millions of dollars About $28000000 of new capital has gone into the iron and steel into alkali $5000000 industry works $4000000 into aluminum $4000000 into steel production tube manufacture $4000000 into the motor industry $2000000 into agricultural implements and maSofteners Reduce Corrosion production $8000000 into chinery The water supply of many sec paper pulp factories and newsprint lions of the country contains ele- manufacture and $4000000 Into ments that have a corrosive effect the cellulose industry on plumbing In such cases water New Industrie Started softeners may be installed that Heavy investments also have will remove corroding substances been made in smaller industries at the same time serving to “soft already established here or Into en" the water creating of newer ones such as machine tools insulating pressed Asphalt Added To Adobe Brick For Durability Fixtures Essential m (Qu Just in case or Adequate Lighting Several of the doors In my house stick What can he done to correct this? A Possibly the screws of the hinges are loose If this is not the case maybe you can countersink the hinges a little deeper in the door and eliminate the sticking Otherwise it may be necessary to plane the edges of the door Q ’ e It's Easy Now To Keep Up With Th' Jones Family lnst ot “Now we’ll-bable to move the electric fan wherever we want it without disconnecting the lamps" Joan remarked as Joe turned the last of these fixtures into position That cord on the radio which looped onto the floor had been an annoyance Joe was always hooking it with his foot and jerking out the plug right In the middle of Joan’s favorite program To remedy the situation Joe pulled the slack of the cord taut along the wall and stapled it to the baseboard And as long as he was at it he moved through the other rooms performing the same stunt with all dragging wires Depreciation of Home Is Defined Q What material would you suggest for a fireplace facing? A Three Brick slate soapsone or some other crack proof materialfire-resisti- 00 Insulating engineers advise the home owner to “trap the cool of the night” by insulating the rooms and keeping them open during the night As soon after sun-u- p as possible the house should be closed trapping the cool night air The modernization credit plan of the federal housing administration aids Finish hardware that is expos- home owners in financing the ined to the elements should be of a stallation of insulating material metal building au Funds for the work are obtained fire Resistance thoritles advise If not the home from lending institutions qualified In finishing the attic of the home owner may be called upon to re by the FHA the owner may increase the fire place the fixtures after a short pe resistance by Installing soma form riod of use of asbestos paper between the subWhere 'the hardware is not of a TRAINED APPRAISERS flooring and finish flooring to hard withstand outdoor type wear a condition frequently de Thermostat Location velops that not only requires hard FOR SPECIAL DUTIES A ware replacement but damagec generally satisfactory height for the location of thermostats has wood around the article must be been found to be five feet above repaired In the appraisals and valuations the floor in a spot where it is promade by the federal housing ad- tected from drafts and where it ministration on properties to be will be In contact with a large vol given as security for insured mort- uhml of air Usually thi means coordinated gages the carefully the regulator is placed on the work of several men each espe- that rooms wall of one of the first-flocially trained in the field in which Recent in thermo developments he operates is involved FHA offi- stat design have eliminated th The following definitions of de cials point out Constant training mechanical appearance and and of FHA’s technical personnel is grim deterioration preciation on the living - room location their obsolescence are recognized by necessary in order that appraisals wall need no longer mar the the federal housing administration In one section of theecountry shall scheme of decoration in its examination of properties conform closely to those in other s given as security for insured mort parts Garage Size gages (1) Depreciation is definec A garage that measures nine as loss in value from any cause feet by eighteen feet is usually amwhatever (2) deterioration refers to accommodate the average ple to decay and disintegration which Doorsshould be seven feet car takes place in structures with the less than seven feet not and high obsoles passage of time and (3) six Inches wide cence refers to those changes in Where the owner Is the type who the usefulness of structures which to make repairs on his malikes cause them to become less desirato add a few chine time-worn The ble and less useful saying “Keeping feet to it is advisablr space working provide up with the Joneses” has taken on new significance in home modernizations repair and alteration judging from the observations of one federal housing administration official In a large eastern state As the official explains it: “It Considerable attention should be sems to be a kind of contagion given the problem of supplying ad One or two houses get some reequate lighting equipment when pairs a new coat of paint new planning a new home It is im roof or other alterations and imEL PASO Tex (UP) — The march portant to choose the beat avail- provements and then other home of progress has made itself felt on able fixtures and wall colors which owners in the block follow suit" d the adobe brick — that properly reflect light without glare for used straw slab of clay and Eyestrain can be minimized and centuries in Mexico and in the the gloom of dark days lessened southwest for building' purposes through proper lighting in the Now a mixture of asphalt is addhome ed to the brick to make it last longer take stucco and plaster better and shed water For centuries Mexicans and Insouthwest have made dians thick their homes from the d mud of slabs usually Types of flooring present a 12 inches wide and 16 to 18 inches for the home owner problem d In homes which have Laid with mortar and covin whether building a new house long a crude the thick dining rooms It is often desirable or With ered modernizing an old one Dou- walls are excellent plaster to use a corner for a breakfast insulation from nook especially when there are ble floors have a threefold pur- the hot summer sun and make younger members of the family A pose heating easier and cheaper In the of double floors winter milt-i- n Advantages cabinet should be included n the nook Breakfast dishes chil- are Lessening ’ of dust passage Even the haciendas — big ranch dren’s silverware and dishes and from the floor below ‘minimized houses of wealthy landowners — in the electric cooking equipment such sound and prevention of warping and homes of well-to-d- o as grill percolator and waffle iron and opening of joints in the finish- cities are constructed of adobe afed floors ter the bricks have laid on edge in may be kept in this cabinet To Tour Building ‘ INDUSTRY - hit-or-mi- Non-Corrosi- ve principal through regular monthly payments has also obviated any the location of a necessity for renewal charges a ’In examining as security for offered general practice under the old sys- property' an insured mortgage the federal tem takes into administration The survey also showed that housing re consideration the following incomes families with moderate were able to construct new dwell- quirements (1) The property should be loings under the FHA plan almost in a neighborhood homocated as easily as they could purchase in character or promising geneous famexisting properties Of those development ilies buying new homes during harmonious cove1938 466 per cent had income of Through zoning protective offer should or otherwise nants it less than $2500 whereas of the desiradeclining on against security families financing mortgages purposes due existing structures 475 per cent bility for residential of inharmoni to encroachment the had Incomes of less than $2500 a uses ous land year free It was further revealed that the (2) The property should be conflaunusual from famfrpm of danger all income annual average eroilies purchasing homes under the grations flood subsidence which conditions and similar FHA plan during 1938 continued sion the downward trend which has re- might damage or destroy land and mained unbroken since the FHA buildings be ae (3) The property should began to operate ' cessible to suitable employment areas market centers schools Adeand recreational facilities of means PLANNING quate and convenient cost reasonable at transportation bC HINA risk-ratin- other in arrangement on the plot so that each unit complements the walks and other (3) planting drives arranged for convenient and safe access to house and garage as well as to provide an attractive setting for the' building (4) privacy and freedom from noise as well as ample light and air (5) plan of the house and room arrangement adapted to character Istics of the lot and adjoining build Ings (6) garage so located as to gage system shows clearly provide easy access from street that its operations arevery practical" or alley as well as from the house itself ’ JAPAN g’ ’ m amortized mortgaged upon which the government has fixed an interest rate ceiling has eliminated any necessity for the raising of additional capital through costlier means Reduction of the for-nothin- ’get-somethi- ng rooms A $6250 valuation was placed on the home with the mortgage of $3200 insured by the Federal Hous- A number of factors should be considered when examining the planning of the plot for a home offered as security for an inusred mortgage The lot should be of such size and shape that ample space will be provided on all sides of the home characteristics Other desirable are: (1) Placement of the house on the lot to take advantage of the best natural features such as views slope of the land sunlight prevailing winds and shade trees (2) architectural unity — each structure should be related to the “castle” But it also stimulated a new phase of the campaign With the heat out came the electric fan for the first time to stir up & breeze —and an idea to “We may not use the lights so can even hope impulse meet the requirements necessary much from now on" Joe said to borrow private funds from ap- “but I havr an idea this fan ‘will proved lending institutions with be getting a real workout Our next job is a cleck-u- p of the elecwhich to buy under our plan “To begin with there is the ini- trical system" tial ‘down payment to be consid-- e which amounts to either 10 There were several simple reor 20 per cent of the appraised val- pair jobs which Joe was capable uation of the property Another of handling himselfl For one factor given especial attention in thing the plug on Joan’s electric g FHA’s technique is the Iron cord had loosened with freborrower’s credit standing and quent use the likelihood of his being :able to Joe took a screw driver and liquidate the mortgage indebted- twisted the screws into tight posiness over a period of years In tion Then he melted sealing wax of and let some addition methods into the holes drip building and the construction ' of at the under side of the plug to homes not in conformity with the screws from working those in the immediate neighbor- keep loose as readily in the future hood or in localities unlikely to reelectric appliance shop an At sist encroaching adverse influenc- Joan some bought es cannot he approved socket to be inattachments System Is Sound of some in stalled the single sock“All of this does not mean that ets house the about the insured mortgage system has set up restrictions which have or are likely to prove too prohibitive On the contrary qur record of INSULATION HELPS thousands of homes built and bought under the insured mortk bathroom without the necessity of passing through other By NEA Service One of those few sticky sweltering nights of spring temporarily sapped the energy of Joe and Joan in the drive to improve their MANY FACTORS LOAN REQUIRES Plans House-Buildin- g 2336 Washington Boulevard It 1 Y t 'S 3 ge |