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cotnue to ret1 Çwill pay more $or *.living - accommo-, dations. People are more h o me conscious I than ever before, partiularly1n the. [ lower priced field. Conditions p e r- taining to the pur- A M LBdakerchaser's require- ments and the mnechanies of buying a home,.are unusual1y' favorab le, such as, the -unlimitedl amount ofi irnoney available for rnortgage fi-] nancing, the liberal time paymrent privileges of five to twenity years undér the many amortization sched- ules. the existing low interést rates as well as the reasonable financing charges. The maximum 80 per cent rhortgae ban I thé prffasge ocf a home is probably the greatest boon to home buying in the history of real estate and offers an opportunity to purchasers which may not always, be available. Vacant property sales to ôwners and developers for home building use will also increase over 1939 and thc building program for 1940 will *fair exceed the very satisfactory year '.àbe neignoors,' snopping xacilites, the laite and bathing beaches. Gen- erally3 in the newer and outlying sec: tions, some fee factors are. not available. Smarbyers .are always .on the loo.kout for: good used and : older homes in these established and de- sirable sections, either for use in their present conditio n or for, re- rnodeling purposes. Smnart sellersà will paint and. deco- rate their propert.ies for there . is, no questilon, as to- the appeal of the -bfight and shiny" and the ý"spic and s pan" home,.. In. the 'case of; older homes,- small expenditures, i remodeling and modernizing will of- ten be the means of success or fail- Individual owners should profit by the experience and results accom- p'Mshed by' Insurance companies, HOLC, banks and others who have recogntzed the necessity of rejuven- ating, remodeling and decorating ini order to make the property attrac- tive to the buying. public and for ree sonably quick liquidation. 9naranc? ani]ae If giving your children a better chance in 111e, if enjoying daily comforts and conveniences, if pro- viding security against changmhg money stand- ards, if being free from landlord's whims, if hav- ing a place where you can pridefully entertain your friends, if knowing that you have a snug thing to you, then yours 15 the family which should own its own home. It is our business to help you attain this goal. BUD.CULLANDER &'CO. Real EsSale Loana - Inaurance - ýBu"kng FIRST NATIONAl4 BANK BUILDING - WILMETFE PHONE WJLMETrE 449E~ FIRST. NATIONAL BANK, BUILDING WILMETTE PHONE e MIETTE 44%