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PAGE 10-McHENRY PLAINDEALER-FRIDAY, MARCH 15, 1974 Money basic 'building material' for improved home Money is the one build­ ing material that must be "bought" by just about ev­ eryone who buys a house or makes a major improve­ ment on his property. Be­ cause the cost of borrowing money is constantly subject to change, says one of the country's leading mortgage banking executives, fami­ lies should exercise the same care in seeking fi­ nancing for buying or im­ proving an existing home as they do in purchasing any other product or serv­ ice for their homes. Such care becomes es­ pecially Important, as he points out, when prospec­ tive borrowers must arrange their financing in a tight money market, like the ma- Home's safety, security linked to improvements The National Home Im­ provement Council main­ tains that some home im­ provements can result in a safer home. Outdoor lighting, for ex­ ample, discourages crime at the same time that it can beautify. A number of at­ tractive and efficient out­ door lighting systems are available, ranging from softly glowing gas lights for poolside and driveway, to the high-watt crime de­ terrent systems for illumi­ nation that deters prowlers. In addition to improving security, floodlighting gar­ dens and walkways will provide 'other rooms' for outside entertainment of family and friends. Ther­ mostats automatically turn the lights on and off at designated hours, relieving worries about wasted elec­ tricity or gas, most im­ portant these days. Some homeowners invest in security systems. Gener­ ally smaller than the aver­ age stereo component, these units include provision for jor "credit crunch" in home mortgage money that de­ veloped with brush-fire ra­ pidity during the summer months of 1973. Emanuel M. Brotman, chairman of the board of J. I. Kislak Mortgage Cor­ poration, emphasized, how­ ever, that even when there is a critical nation-wide scarcity of money for home financing, many qualified families can still obtain the loans they need. "The same basic principle both fire and burglar alarms tied in with a local central station. When the system detects an intrusion or the beginnings of a fire, it im­ mediately relays a signal to the station from which se­ curity personnel notify pol­ ice or fire departments. The system is prevented from disrupting normal family activity by .a per­ sonal code tapped out on a series of keys. Another more elaborate system ac­ tually senses the presence of intruders by means of ultrasonic waves. WHAT CAN WE DO FOR YOU? • NEW KITCHEN? Stock or Custom Design & Installation • FORMICA COUNTER TOPS? Kitchen-Vanitory-Bar & Other • DU PONT CORIAN TOPS? Kitchen-Van itory • NEW FORMICA CLAD DOORS FOR YOUR KITCHEN CABINETS-VANITIES? We Install or Do It Yourself • SELECTION OF VANITIES Stock or We Custom Make • CULTURED MARBLE TOPS? • CABINETRY & WALL STORAGE CABINETS? For Recreation Rooms-Family Rooms-Utility Rooms or Wherever. • CORNING RANGES/BROAN HOODS? • ROPER RANGES? TAKE ADVANTAGE OF OUR 30 YEARS OF EXPERIENCE IN KITCHEN CABINETRY-CUSTOM MILLWORK-REMODELING -- NICKOLS R. GLAVIANO -- GLAVIANO'S INTERIORS & PALATINE MILLWORK 414 S. Route 31 Just North Of McHenry Floral 385-3764 or 385-3765 Visit Our Showroom that is useful for finding home mortgage loans even in an extremely tight mort­ gage money market," Brot- man said, "can--and should -- be applied to home im­ provement loans. And that principle is: Know and make full use of the avail­ able financing options." As a case in point, the mortgage banking executive noted that many qualified families were able to obtain mortgage loans, even when the recent nation-wide mortgage money crisis was at its worst, by making use of FHA and VA home fi­ nancing programs. "These Government- backed mortgages are al­ ways a good bet for pros­ pective homeowners," Brot- man said. "They stimulate home buying by providing families with a flexibility of financing arrangements to fit their individual needs and resources." FHA-insured home mort­ gage loans are available up to $33,000 for single family houses and up to $45,600 for two-to-four family houses. "For more expensive homes," he said, "VA- guaranteed financing is a good possibility. We at Kislak, for example, are prepared to arrange home financing with no down payment on houses up to $50,000 for qualified vet­ erans. "In addition, FHA-in- sured and VA-guaranteed home loans require thor­ ough appraisals that help make sure the buyer is getting a good house for his money," he said. "Moreover, both the FHA and VA administrations have done an outstanding job in expediting the proc­ essing time for these loans. "On the same basis," he continued, "would-be bor­ rowers should bear in mind that there are a variety of financing plans available for home improvement proj - ects. The money-wise homeowner will compare these to determine which is best in terms of his own individual needs and ability to repay and general mar­ ket conditions." Country style furniture popular Americana designs and country styling are much in evidence in home furnish­ ings, particularly in bed­ room and dining furniture. Beds with decorated head and foot-board, old-fash­ ioned mirrors, unique ward­ robe-dressers, and other pieces contribute to the country look in a bedroom. Such furniture is offered in plinth or sculptured bases and with brass pulls accent­ ing the antique finishes. Many decorators prefer more than furniture to give a home country-style flavor. Genuine antiques, weath­ ered-looking reproductions and old firearms lend a hand toward giving a room or house that rustic Ameri­ cana look. BEN ARVIDS0N & SONS SWIM CENTER SWIMMING POOL . . . • CONSTRUCTION • EQUIPMENT • CHEMICALS • TOYS & GAMES - FREE - BEFORE APRIL 29th BRING THIS AD ALONG WITH A WATER SAMPLE FROM YOUR POOL FOR A FREE WATER ANALYSIS BY OUR TRAINED TECHNICIANS SWIH CENTER Hen AutidUo+t & £o*U, 9hc. 3109 S. Rte. 31 between Crystal Lake and McHenry Phone 815-459-0660 )