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Honsing Offices Offer Borrowers *Complèt e Service There is no neces sity for the pub- lic to utilize the services of ,any priateorgniztin 'pUrportlng to be able tô .facilitate the approvral of mortgage applications, according to Acting Federal Housing Administra- tor Stewart MçDonald. "In some. commtunities," he said, "iservice a gencies are beinig set u tp purporting to aid" the publie, in ob- taining insured mortgages.. Any in- dividual desiring tû use such agenicies is, of course, at perfect liberty to do so. ,But is, sbould be borne in mind that,. mnore often tban flot, a fee is being asked for a service which the Federal Housing Administration an4 m1ortgagees approved by the Admin- istration perform as a regular fune- tioni and wbich they' certainly are more qûalified to offer as a service' y to -the prospective borrower. "Such agencies are not to be con- fused with approved mortgagees. Q ften they give themselves names, which are apt to be misleading to the geëneral public, when, as a matter. of fact~ one of the sections of the act declares the use of such ternis to' be wbolly illegal and subject to Last March, Mr. McDonald pointed out, the public was informied of aA change of. precedure whereby pros- pec tive borrowers mighit apply di- Tectly. to the Federal Housing' Ad-t ministration through any of its in-i surin.g offices for appraisal of prop-t erty, approval of credit responsibility,E and determnination of the mortgage, r for insurance. :.a ks Now Grant More, Inisured MortgageLoans ]Evidence of ' increasing desire on the, part 'of banks and other Iending institutions to secure new business ini the form of FHA-insured mortgage loans- under Title Il of the, National Sees Big Business *Clo sing its semi-annual period witb neither delinquent interest nor delin- quent amnort izing instailments, the Federal Home Loan, bank, of. Chi- cago has entered the second balf of operations well on the way to doing a greater, volume, Of business than any lendi ng institution in Chiaoecp tebig four -in -Commercial baniking, accordingto A.» R.' Gardner, president This prospect, as reviewed by Mr. Gardner ýis strengthene-d bychanges mnade last week in tbe Illinois law Permfitting larger percentage of ad-. vancement to total assets on tbe part of buidling and loan associations using their credit Unes. Total assets, of the Chicago bank as of july. 15 were $17,865,428, of wbicb .$12,569,898, represented ad- vances to the member association~s which maintained the perfect record for paying on time with wbich the bank finished ifs June operations. Advances during the first two weeks of july totalled $426,695. While emphasizing that-th e Home Loan bank is in entirely different business from any other lending in- stitution in either Illinois or Wiscon- sjn, since its function is exclusively that of furnishing credit ,tn home Danik than irom n ose or similar size dIealing with more diversified credit rieeds. During the. first six months of this year the Home Loan bank advanced $3,337,3'00, to its select clientele of ipproved building àand loan associa- tions and will, probably double. this Lmouiift of *credit expansion in the, lat six months, because of an in-, creasing demand for loans to pur- chase properties and to build homes, lie said. t c c 1 An excellent fail saàd crop is Clhi- nese or celcrY, cabbage. It is best grown as a -late. crop, and for this- reason It is Particularly desirable be-ý *cause' it brings ai crisp, leafy edible to the table in the. fait of the year when'sncb things:.are a rarity in the home garden. *Botànically it is not a cabbage 'at ail, but .a 1mustard,- a nd it b as the upriglit long-leaved growth of the cos lettuce -and celery, with, the blanched beart of. the general appearance of a cabbage, The flower is like a mild, sweet cabbage, with a suggestion of celery, althougli distinct in itef An old vegetable among the Chi- nese, it. is of recent introduction, coin- paratively,' in the gardens of the world. Its- main value is as a saladj raw, *Thé long, cylindrical heads, sliced crosswise. are ideal in form for* serving with a. inost attra 'ce ap- pearace. A novel salad which is popular ie to serve, these slices sand- wich style with a slice of raw f0- mato as the filling portion of the sandwich using French dressing. It is as easily grown and requires the saine treatment as ordinary cab- bage with one exception; it is best grown so that it matures in cool weatber. For this reason, July is se a1. LA sal. st. Âmoyer H24 REAL ESTATE.LOANS Have funds to loan on. choice North Shore residential anid busi- nms"properties at reasnable rates. E. Gv. Poulinci & C. the best plantlng month, the hceds maturing in the cool fail dat. It is a veiy palatable .vegetable boiled 1ke cabbage, but it is as salad material that it is moit useful. Thos.' who like cole, slaw and various cab- bage salads wilI ho delighted Withi the celery, cabbag.ý LOANS W.e nre idsmr. o bans on rosidences., san mtsad ofýfice huildngu 1 N. UI al. st, mw Cnt0a27 151 Iie.~Av.2mau. HOME MORTGAGE LOMNS l.uumwu aecuions ofthte clty or nearby suburbe. If you have a. mortgage on Your homo whleh W. comes due ini the noir future, w. uR be glad of-the opportunity to negoiate with yopi forÎts ronewaL G&D vulto or telephon,. PAINT FOR BÂSEMENTS A well-lighted basemenýt is rare. White cold-wate; paint applied to rougli concrete walls, exposed struc- tural wood, or enclôsed storage spac es, wilM brighteni the inany dajly ýjourneys to tbis portion of the bouse.ý MiiIu.. Hware Co- 1219 irflmette Ave. WIL.Un DAVENPORT en- CAIRan Upholptered ....... $29 md ChAIsre......$2P Lario Soloction of Materials Phione and ont estbuator wIll eaU wlth a complet.lUne of materfais DAVIS FURNITURE CRAFTSMEN, 721 Main Street, JEvanstoïm University, 7210