PAGE EIGHT
Bill of Rights
Loan Features
Are Presented
An agreement to utilize the fa
cilities of the Federal Housing ad
ministration for appraisal and re
viewing purposes on loans made
to veterans under Section !0r of
the O. I. Bill of Rights, has been
announced by the Veterans admin
istration and the National Hous
ing agency.
The agreement signed by Brig
adier General Krank T. Minos, ad
ministrator of veterans affairs,
NHA administrator John B. Bland
ford, Jr., and KHA commissioner
Abner H. Ferguson is applicable
in all cases where a veteran ap
plies for both an FHA-insured
first mortgape loan and an equity
loan up to $2,000 guaranteed by
the Veterans administration.
Instructions to KHA field of
fices regarding the new procedure
are being prepared and probably
will be in the hands of state and
district directors within the next
10 days or two weeks. Meanwhile,
KHA will continue to accept appli
cations from lending institutions
for Section 505 loans but will pro
cess such applications only to de
termine if the first mortgage loan
is eligible for FHA insurance.
Under the new arrangement,
the veterans administration will
take advantage of FHA's facili
ties for handling most details of
, loan transactions under Section
j05, once the eligibility of a vet
eran has been established by the
veterans administration.
Section Explained
Section 505 (a) of the so-called
G. I. Bill of Rights in substance
provides that if a principal loan is
made, guaranteed or insured by a
federal agency the full amount of
a second loan may be guaranteed
by the veterans administration
provided all other provisions of
the statute are complied with but
the amount of tho veterans admin
istration guarantee may not ex
ceed 20'r of the purchase price of
the property and in no event more
than $2,000.
The arrangement which has
just been concluded has as Its ob
ject the elimination of delay and
expense, both to the government
and the veteran, In the processing
of these cases by taking full ad
vantage of the processing neces
sarily performed by the FHA in
order to reach its own determina
tion with respect to the applica
tion for mortgage insurance.
It was pointed out that, as In
the past, a veteran should apply
to a private lending institution
for a loan to purchase or build a
home. The lender first will incpjlre
at the nearest office of the vet
Allen Young,
953 Wall St.
Bobv Oil
mitt DRUG CO.
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DRY'S KIN fa Hollywood Styled portraits by our trained photographers DO
&&jiiffi&sy Bs 9 satisfy make the tops in Valentino gifts.
MIXTURE n i
V Sir-- Now-save half on this I fW
II -- uxiiiimily lul.tiailmj; niltt JM
I WMSKfi cream for tlakyMlry km. II jj
Conipnuiuiini pfcMfipriuns
with the very iu'st mpri JitMiti
flnj exjcrly js your pin mi 1.111
Jus inMruucd, is our most
important job.
Only 0?C; ..h,.hcvcryGr1npr',on.s
erans administration .os to the
eligibility of the applicant for a
loan under the G. I. Bill and will
receive a "certificate of eligibil
ity" which will designate the FHA
both as "appraiser" and as "des
ignated agency."
Certificate I'seil
The lender then will submit tho
"certificate of eligibility", the
other pajjers required by the vet
lerans administration, and the
usual FHA application for mort
I gage insurance to the local FHA
of lice covering the territory.
From then on FHA will follow its
usual procedure in processing the
application for mortgage insur
ance and, in addition, shall furnish
the veterans administration with
an Appraisal Summary Report
which will cover the following
points:
1. A determination as to the
reasonable normal value of the
property involcved in tho transac
tion and whether or not
(a) The purchase price is in ex
cess of such reasonable normal
value;
(h) The contemplated terms of
payment are in proper relation
shin to the veteran's present and
anticipated income and expense;
(c) The nature and condition of
the property are such as to be
suitable for dwelling purposes;
and
(d) The amount of tho second
loan (to he guaranteed by the vet
erans administration) exceeds 20
per cent of the purchase price or
cost of the construction.
2. A statement that the amount
and types of proposed insurance
coverage stated in the application
conform to the regulations of the
veterans administration.
3. A statement that the estimat
ed charges in connection with the
loan, as stated in the papers con
stituting the application, are reas
onable and in accordance with the
regulations of the veterans admin
istration. Rates Explained
4. A statement that the interest
rate and the repayment provisions
stated in the application are in ac
cordance with the regulations of
tho veterans administration.
A veteran who obtains a Section
505 loan will pay interest at the
rate of 4 per cent on the amount,
up to $2,000, guaranteed through
the veterans administration; he
can repay this amount in monthly
Installments over a period up to
20 years and the government will
pay the interest for the first year.
On his FHA-insured mortgage,
the veteran will pay such Inter
est as may be agreed upon be
tween him and the lender but not
more than 4 '.4 per cent, plus a 14
of one per cent insurance pre
mium; and his monthly payments
will include principal, interest,
taxes and fire insurance. FHA
insured loans are repayable over
a period up to 20 years or if
amounting to $5,400 or less and on
new construction over a period
up to 25 years.
Proprietor
Phone A
lVbnmrv I I Is I (ttt mi
i anu exactly js your pin mi 1.111 I v I I
Library in Bend
Adds New Service
The resources of the entire na
tion's great libraries are at th"
service of Bend and Deschutes
county residents, as the result of
the recent affiliation of the Des
chutes county library, with the
Pacific Northwest Bibliographic
ctiite;-, at Seattle, Miss Eleanor
Brown, county librarian, repoited
today.
The Pacific Northwest Biblio
graphic center, organized several
years ago under a Carnegie foun
dation grant and with the help
of WI'A workers, is a union cata
log, which includes copies of the
card catalogs of many of the
country's largest libraries. It is
maintained as a service to north
west libraries, and through its
hook -finding service is a great
boon to the budgets of smaller
libraries, Miss Brown stated.
The plan works like this, ac
cording to the local librarian:
John Doe comes in and asks for
a specialized technical .book, an
old title out of print for many
years, or an oddity falling prac
tically into the rare book class.
As always, the Deschutes county
library, turns first to the Oregon
state library as a source of the
desired book. At this point the
bibliographic center enters the
picture. If the state library does
not have it, and the patron wants
it badly enough to pay postage
or express charges both ways, re
gardless of the distance from
which the hook may come, appli
cation is made through the state
library to the Pacific Northwest
Bibliographic center. There the
nearest library owning the book
Is located, and instructed to send
it. Although the process naturally
takes longer than obtaining a
book through only one library,
there are very few books that
would be unobtainable.
Expense Is Small
Thus the book stock of many li
braries is at the command of
Deschutes county residents at
very small expense. Postage usu
ally runs only a few cents, al
though in the case of rare or ex
pensive books, it may run higher.
During !I44 some 50 books
were so obtained by the Deschutes
county library, representing re
quests of over 30 patrons. Among
hooks secured have been a school
history. of Mississippi; "Tho Ego
and tho Id," by Freud; a book of
Serbian poetry in the original;
material on metaphysics, religion
and psycho-analysis; a Bohemian
grammar, and material for adult
elementary education.
Institutions from which mate
rial has been received include the
University of' Iowa, Cleveland
public library, John Crerar 11
brary, Chicago; University of
Montana, University of Nebraska,
College of Medicine, Omaha, Ne
braska; Willamette University,
University of Oregon, Reed col
lege, Detroit public library, Uni
versity of Idaho, Spokane public
library, the Boise public library,
University of Ohio, Bibliographi
cal center for research, Denver,
and the Seattle public library.
The Panama disease of bananas,
which has brought destruction to
hundreds of banana plantations
in central America, is due to fun
gus that lives in the soil.
. . you
Have YOUR
Just stop in at
ment necessary.
fSTUDIOS
'PORTRAITS OF DISTINCTION"
906 Wall . . Next to USO . . Phone 89 . . Bend
Open Weekdays Closed Sundays
9:30 a. m. to 6 p. m.
Studios also in Klamath Falls, Medford, Albany, Portland.
1
THE BEND BULLETIN, BEND, OREGON, FRIDAY, JANUARY
DON'T FOP-GET-
Washington, Jan. 11 UB Treas
ury spokesmen reminded the na-.
lion at large today that Monday,
Jan. 15, Is an income tax dead
line. It's the last day lor:
1. Payment of the last install
ment by persons who filed esti
mated returhs last year on their
1944 income, found they would
owe something above what was
withheld from their salaries, and
elected to pay that excess in quar
terly installments.
2. Amendment of estimated
returns filed last year on 1944
income in the case of persons who
now find they guessed wrong on
their income and want to correct
their returns. Penalties are pro
vided for taxpayers who under
estimate their taxes due by 20
per cent or more.
3. Filing of estimated returns
on 1944 income by farmers.
4. Filing of estimated returns
on 1944 income by persons who
believed they were among the
35,000,000 taxpayers from whom
no estimated return would be re
quired, but who now find that for
one reason or another they should
have filed such a return.
North Redmond
North Redmond, Jan. 11 (Spe
cial) G. E. Banta is quite ill at
the home of his .daughter, Mrs.
Krank Corwin.
Mr. and Mrs. Sam Lantz were
guests of Mr. and Mrs; Vern Lantz
New Year s.
Mrs. Dorothy Edwards has
moved back to her home here. She
has worked in Portland the last
two years, while her husband was
employed in the Hawaiian islands.
The baby son of Mr. and Mrs.
Vance Corwin is quite ill at the
home of his grandparents, Mr.
and Mrs. Krank Corwin.
Mr. and Mrs. Ralph Wiley of
Bend were weekend guests at the
Charles Wiley home.
Mrs. Charles Wiley received a
package from her son, Lt. G. F.
Wiley, now overseas, containing
French perfume.
Mr. and Mrs. Francis Wright
entertained Mr. and Mrs. Davis
Andrews and daughters Saturday
evening.
Merril Ziloskl- of Springfield is
staying at the home of his grand
parents, Mr. and Mrs. A. J. Irvin,
and has entered the sixth grade
in the Redmond school.
Born to Mr. and Mrs. Melville
Corwin at the St. Charles hospital
on Dec. 27, a son. Mr. and Mrs.
can tear down that pinup, for
ITAX RETURN J
nere s a picture ot myself I m sure you
like just as well."
Valentine portrait made now!
vour convenience no aoDoint-
Co. I Veteran Gets Furlough
He Had Coming for 3 Years
Back in 1941, about the time
the Japs were secretly assembl
ing their fleet and planes for the
"sneak attack" on Pearl Harbor,
Maurice H. Kclley, member of
Bend's Co. i at Fort Lewis, was
preparing for K furlough home.
The Japs struck, the young sold -
ier's furlough was cancelled, and
just short of three years ago he
went overseas.
And now, in January, 1945,
First Sgt. Maurice H. Kelley of
the United Slates infantry is
home on his long-delayed furlough
visiting with his parents, Mr. and
Mrs. Claude H. Kelley,
1745!
Steidl
Without divulging any military
information, Sgt. Kelley admits
he has had some great expert -
ences while awaiting for the fur
lough that was due back in 1941.
Some of these experiences were
in the jungles of New Guinea, on
the Salamau beaches and in Biak,
and one of them earned for the
young sergeant a purple heart.
But Sgt. Kelley of the 41st division
is inclined to believe none of his
experiences matched that which
Frank Corwin are the grandpar
ents. Twin daughters Were born to
Mr. and Mrs. Marshall Clevenger
of Lower Bridge in Redmond on
Jan. 6. One died at birth, and
graveside services were held.
Accused Killer
Reaches East
Chicago, Jan. 12 iw Benjamin
Franklin Male, 73, arrived today
on his long journey home to his
beloved West Virginia hills
where he must face an indictment
for a 40-year-old murder.
Male, who is returning volun
tarily from St. Helens, Ore., to
be tried for the 1905 slaying of
Walter O. Smith at Hoult, W. Va.,
hobbled from the train with the
help of a cane.
"I wouldn't do it again if I had
a chance; I'd run first. But I've
never thought of it as a sin I
didn't meah to kill."
Male allegedly beat Smith to
death with a hoe during an argu
ment after the school teacher se
verely disciplined Male's son.
Criminal Court Judge Charles
W. Miller said Male's trial will be
held Saturday if he pleads guilty
immediately upon his arrival.
Otherwise the trial will be set ten
tatively for Jan. 22.
. Male had been living in Oregon
for the past 30 years. Several
pionths ago he confessed that he
was wanted on a murder charge
in Marion county, W. Va.
Surgical Dressing
Room IsTo Close
Exactly 175 smocks and cover
alls, belonging to women who
made surgical dressings in the
courthouse, are still there, Mrs.
A. E. Stevens, Deschutes county
ehah-man of the surgical dressing
division of the Red Cross, said
today.
"Owners of these garments
should pick them up immedi-
SERVE THE MOST
k ir
It's the
Superior
5 STAR
ENRICHED
BREAD
FROM CENTRAL OREGON'S MOST MODERN BAKERY
12, 1945
took place at the Union statii r
Portland this week. Awaitinj ':
i
on his arrival in Portland
his father and mother
Maxine, who is employee'; M i-t
land, and his sailor other,
Robert D. Kelley, S. 'c. The
1 meeting between the brothers was
by the merest chances, for Bob.
I radio gunner, was on his way
'north from Memphis, Tenn. Bob
was in Portland only 45 minutes,
but the time was sufficient for a
family reunion, with only Garry,
5 years old, absent,
Sgt. Kelley went overseas with
Co. 1 and served with that unit in
most of the south Pacific action.
, However, Sgt. Kelley has not been
in touch with his outfit for some
1 time, for he was hospitalized while
on Biak, and only recently was
released.
While awaiting transportation
homo, Sgt. Kelley found that an
other member of Co. 1, Forrest
Brown, was also en route home,
and the two Bend soldiers made
the Pacific crossing together.
Forrest is visiting here with his
brother, Elmer Brown.
ately," Mrs. Stevens said, adding
that the room will be locked after
next Wednesday, Jan. 17.
Mrs. Stevens reported that 48,
600 completed dressings were
shipped today to the medical sup
ply office at Avondale, Colo. All
material on hand for making
dressings has now been exhausted
and the courthouse quarters will
be shut down until further notice
from the national Red Cross.
While the closing will probably
be temporary it is essential that
women pick up their smocks in
order that the room may be used
for other purposes, Mrs. Stevens
added. All women who assisted in
making surgical dressings will be
notified when more material ar
rives, she stated.
Five Day Forecast
Oregon and Washington west of
Cascades: intermittent rain west
of Cascades, snow over higher
mountains. Temperatures above
normal but cooler later in period.
Idaho, Oregon and Washington
east of Cascades: intermittent
rain north portion; rain south
west first of week.
RAW FURS
WANTED
Mink - Muskrat Lynxcat - Skunk
Weasel - Domestic Rabbit
We Will Continue the Purchase
of Deer and Elk Hides.
Coyote pelts . . . No. I s and No.
2s will run between one dollar
and fifty cents ($1.50) and four
dollars and fifty cents ($4.50)
with a few exceptional pelts at
higher prices. No. 3s and 4s are
practically worthless.
Cecil C. Moore
1132 Newport Ave. Bend, Ore,
Phone G43
FRESH
DAILY
AT YOUR
GROCERS
mm
oUolAIIHNb
Madras Receives
New Fire Truck
Madras. Jan. 12 (Srjecial) The
mow $6,409 lire truck purchased
v. Madras was deliv-
-esday afternoon
:i.e Howard-cooper coron
ation plant in Walla Walla. The
Board of Underwriter's test was
given Wednesday morning on the
Deschutes river.
$2
if Gift She'll Love!
II ' Collector's J
- 1 - DOLLS R
yjsf Beautifully costumed
I
We don't like
to say "no"
we thinK we w months
like a telephone now, not weeks or m
from no-And we'd like to tnstalltt for
.. nnW.
But so long as the needs of war have first
,1 telephone facilities - and untd
delays in fiU telephone orders.
Meanwhile, we are finding an attitude o
i J.r.tandinff on your
co-operation anu
part that is genuinely appreciated by
of us.
for Victory Buy Unlnd
THE PACIFIC TELEPHONE
Bushiest) Office 841 Bond St
Shevlin Quality
PONDEROSA PINE
Lumber and Box Shooks
The engine is 22' feet long,
with a 200-gallon water supply
tank that pumps 500 gallons of
water per minute. The truck Is
a midship type on a Chevrolet
chassis. It is fully equipped for
fire fighting in the city area.
At present the truck will have
to be kept in a garage until plans
are made for storing in more
adequate headquarters than that
afforded bv the citv hall.
Hollywood Dolls
LITTLE MISS MUFFET
LITTLE SHEPHERDESS
CINDERELLA
HEIDI
and many others, dressed to represent
the characters we remember so fondly.
A Valentine gift that will give pleasure
to mother or young daughter alike.
$2.50
$3
Symons Bros.
"The House of Beauty"
947 Wall Street Phone 175
States War Bonds (
AND TELEGRAPH COMPANY
Telephone 501