So you should purchase property but you cannot spend cash because of it, well a lot of people can’t. You will have to make an application for mortgage, There are many different types of mortgages that can be tailored for you personally.
A couple of good real estate loan pictures i came across:
Image from page 365 of “Canadian grocer July-December 1895” (1895)
Image by Web Archive Book Images
Title: Canadian grocer July-December 1895
Year: 1895 (1890s)
Subjects: Supermarkets Grocery trade Food business and trade
Publisher: Toronto : Maclean-Hunter Pub. Co. -
Adding Collection: Fisher – University of Toronto
Digitizing Sponsor: University of Toronto
Follow this link to view book on the web to see this example in framework in a browseable internet based type of this book.
Text Appearing Before Image:
38 THE CANADIAN GROCER WESTERN Incorporated1861. ASSURANCE COMPANY Fire and Marine Capital – -Assets, ovep -Annual money ,000,000.002,375,000.002,200,000.00 Hq: TORONTO, ONT. Geo. a. Cox, President. J. J. Kenny, Vice-Presidfent. C. C. Foster, Secretary. THE INDIVIDUALS Building and Loan Association (INCORPORATED) hq – – London, Ont. When company is successful every vendor shouldput by a typical month-to-month sum within our Class A stock.It will likely to be readily available when you need it many. 83 deposit-ed month-to-month is believed to niature a .S500 certificate iny^/i many years. Bigger amounts in like proportion. Protection, first mortgage loans—the basis of wide range. Cash loaned purchasing a property, to construct, to re-model theold house or repay old mortgages. Companies throughout the key cities and locations inOntario Write for guides and title of resident broker in yourlocality. Try not to wait. It will pay you. English Army Blacking
Text Appearing After-image:
THE ROYAL RESORT, Hamilton, July 12th, 1894.The F. F. Dalley Co., Ltd., City : Dear Sirs,—Our porters, having a great number ofboots to polish day-after-day, including seventy-five totwo hundred sets, we endeavor to let them have the bestblacking become got. We’ve utilized good luck knownblackings shopping, while having enjoyment m statingthat the ENGLISH ARMY BLACKING is theirchoice, as they ponder over it far more advanced than some other makefor a quick, bright and permanent polish, providing abeautiful jet-black finish on leather.Yours undoubtedly, Hood & Bro., Proprietors. CONDENSED MINGE MEAT tasty Mince Pies each and every day in the year. Managed by retaileras shelf or countergoods. No waste.Gives basic satis-faction. Sells anyway Months. Wont ferment inwarm weatlier.
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What Are FHA Loan Requirements? | FHA Mortgage Loan Requirements
Apply for a loan today at http://www.lenderfunnel.com/
FHA loans provide great assistance to many first time home buyers by offering mortgage loans with lower down payments. While this is a benefit for many people, recent changes in policy may have put the loans just out of reach for some would-be homeowners with questionable credit history.
Minimum credit scores for FHA loans depend on the type of loan the borrower needs. To get a mortgage with a down payment as low as 3.5 percent, the borrower needs a credit score of 580 or higher. Those with credit scores between 500 and 579 must make down payments of at least 10 percent.
Benefits of an FHA Loan
The reason why FHA loans are so popular is because borrowers that use them are able to take advantage of benefits and protections unavailable with most traditional mortgage loans. Loans through the FHA are insured by the agency, so lenders are more lenient.
For many home buyers, using an FHA loan can really make the difference between owning your dream house comfortably or turning it into a financial nightmare. The FHA provides a wealth of benefits for applicants that qualify, so make sure you’re making full use of them.
Home ownership rates in America continue to increase at a steady rate due in a large part to the implementation of FHA home loans more than seventy years ago. Over the years, FHA has helped Americans gain the financial independence that comes with owning a home. By creating jobs and reasonable mortgage rates for the middle class, financing military housing, and producing housing for the low income and the elderly, FHA has helped Americans become some of the best housed people in the world with over 73 million Americans currently owning their own homes.
HOW IT WORKS
By serving as an umbrella under which lenders have the confidence to extend loans to those who may not meet conventional loan requirements, FHA’s mortgage insurance allows individuals to qualify who may have been previously denied for a home loan by conventional underwriting guidelines.
FHA loans benefit those who would like to purchase a home but haven’t been able to put money away for the purchase, like recent college graduates, newlyweds, or people who are still trying to complete their education. It also allows individuals to qualify for a FHA loan whose credit has been marred by bankruptcy or foreclosure.
NUTS AND BOLTS
The most popular FHA home loan is the 203(b). This fixed-rate loan often works well for first time home buyers because it allows individuals to finance up to 97 percent of their home loan which helps to keep down payments and closing costs at a minimum. The 203(b) home loan is also the only loan in which 100 percent of the closing costs can be a gift from a relative, non-profit, or government agency.
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What Are FHA Loan Requirements? | FHA Mortgage Loan Requirments
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< img alt=" home loan" src=" https://www.freecreditreportcompare.com/wp-content/uploads/2017/03/5445898743_bef11a7c87.jpg" size=" 400"/ > Picture by< a href= " http://www.flickr.com/photos/28473961@N02/5445898743" >
TheTruthAbout with glasses Picture from page 227 of “Iris 1911” (1911)
< img alt=" home loan" src=" https://www.freecreditreportcompare.com/wp-content/uploads/2017/03/14576806260_f0d97253c7.jpg" size=" 400"/ > Photo by< a href=" http://www.flickr.com/photos/126377022@N07/14576806260"
> Internet Archive Book Images Identifier: iris1911ward Title: < a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookidiris1911ward" > Iris 1911 Year:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookyear1911" > 1911(< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookdecade1910" > 1910s) Writers:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookauthorWard_Seminary__1865_1913_" > Ward Seminary( 1865-1913) Subjects:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectSchool_yearbooks____Tennessee____Nashville" > Institution yearbooks– Tennessee– Nashville< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectWard_Seminary__Nashville__Tenn_______Periodicals" > Ward Seminary( Nashville, Tenn.)– Regulars< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectGirls__schools____Tennessee____Nashville" > Girls’ institutions– Tennessee– Nashville< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectEducation__Primary_____Tennessee_____Nashville" > Education, Main– Tennessee– Nashville< a href= "https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectEducation__Elementary_____Tennessee_____Nashville" > Education, Elementary– Tennessee– Nashville< a href= "https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectEducation__Secondary_____Tennessee_____Nashville" > Education and learning, Additional– Tennessee– Nashville< a href= "https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectCollege_preparatory_schools_____Tennessee_____Nashville" > College primary institutions– Tennessee– Nashville< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectJunior_colleges_____Tennessee_____Nashville" > Junior colleges– Tennessee– Nashville< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectBoarding_schools_____Tennessee_____Nashville" > Boarding colleges– Tennessee– Nashville< a href= "https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectWomen_s_colleges____Tennessee_____Nashville" > Female’s universities– Tennessee– Nashville< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectWomen____Education____Tennessee____Nashville____1865_1951_" > Females– Education– Tennessee– Nashville– 1865-1951. Publisher:< a href =" https://www.flickr.com/photos/internetarchivebookimages/tags/bookpublisherWard_Seminary" > Ward Academy Adding Collection:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookcontributorHarpeth_Hall_School" > Harpeth Hall School Digitizing Enroller:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/booksponsorLyrasis_Members_and_Sloan_Foundation" > Lyrasis Members as well as Sloan Foundation Sight Publication Page:< a href=" https://archive.org/stream/iris1911ward/iris1911ward#page/n227/mode/1up” rel =” nofollow” > Publication Viewer Regarding This Publication:< a href=" https://archive.org/details/iris1911ward" rel=" nofollow" >
Brochure Access Sight All Images:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookidiris1911ward" > All Photos From Book Click on this link to< a href=" https://archive.org/stream/iris1911ward/iris1911ward#page/n227/mode/1up" rel=" nofollow" > view book online to see this image in context in a browseable online version ofthis book. Text Showing up Before Photo: The Kimball Pianos pos-sess Quality– Points of Meritnot discovered in various other pianos.
The quality of tone, thecase layouts,
the touch, thefinish, all interest personsof good taste. See thispiano prior to you purchase. TOTALLY FREE CATAIOBUE ON DEMAND C. E. CONIBEAR PIANO CO. 305 Fifth Method N.NASHVILLE, TENNESSEE Hagan & Co. Recover Estate Professionals Market as well as RentREAL ESTATE MORTGAGE A SPECIALTY 210 Union StreetNashville,: ■: Tennessee D. & L owenneim [leii S Firm Watches, Fashion jewelry, Dia?nonds and also Fancy Item, Bronzes, Sterling Silver, Bric-a-brac, and Art Item Onion Si. ana Fonnli A< e., North NASHVILLE, TBNN./ ^ Text Showing up After Image: Note Regarding Images Please note that these images are removed from scanned page photos that might have been digitally enhanced for readability -pigmentation and also appearance of these images could not flawlessly resemble the initial job. ACP( Touring Club of Portugal) tow (Hanomag, 1959)< img alt=" home loan" src=" https://www.freecreditreportcompare.com/wp-content/uploads/2017/03/6668036697_7fa719a40f.jpg "width=" 400"/ > Image by< a href=" http://www.flickr.com/photos/46944516@N00/6668036697 "> pedrosimoes7 Lisbon, Portugal
in Wikipedia Background Hanomag Train Engine built in 1932 The company dates back to 1835 when Georg
Egestorff established a business called
Eisen-Giesserei und Maschinenfabrik Hannover to construct small heavy steam engines. They soon started making ranch machinery and in 1846 constructed their first railway engine for the Hannover State Railways. By 1870 they had made 500 locomotives and also in 1871 changed their name to Hannoversche Maschinenbau AG. Roadway lorries complied with when in 1905 they received a contract for heavy steam waggons for the German military. Gas engined cars complied with in 1912 with a line of ranch tractors. [modify] Cars Hanomag 2/10PS “Kommissbrot”.
Hanomag 1.5 Litre “Rekord”. By the 1920s, the marketplace for vapor roadway vehicles was in terminal decline as well as Hanomag wanted to vehicles
as the future, particularly economic climate versions.
In 1925, they released the Hanomag”2/10, a 370 kg (816 pound) open two seater with a rear-mounted 500cc  single-cylinder water cooled engine. Called Zweisitzer Limousine( two-seat limousine )[ 2] by the firm, its rounded front as well as back acquired it the label Kommissbrot for its resemblance to a loaf of Military bread. Although made in multitudes, 15,775 in overall, it did not make much loan for the business and in the late 1920s the train locomotive department was marketed to Henschel & Kid of Kassel. A more standard auto, the 3/16PS, as well as the very first diesel motor tractors, came in 1928, taking the company back right into earnings. Hanomag were terribly injured by the decrease in sell 1929 and built a big supply of unsold automobiles. Things improved in 1930 as well as the business obtained 14 per cent of the domestic cars and truck market, 2nd area behind Opel, yet in 1931 a new crisis came when the banks called a financing. The factory was mortgaged to Hannover City and the Vereinigte Stahlwerke depend on and the firm relaunched as Hanomag Automobil und Schlepperbau GmbH. For 1932, a new tiny automobile, the 1.1 Litre, renamed the Garant in 1934, was revealed as well as offered well allowing 2 shift working to be presented as well as it was signed up with by the larger 1.5 litre Rekord( a name later on made use of by Opel) in 1933 with independent front suspension. A diesel Rekord was revealed at the 1936 Berlin Motor Show.  Military lorries. Throughout World Battle II, the automobile plant made military vehicle engines, an armed forces variation of their heavy tractor relabelled the SS-100, and fifty percent track army providers. Hanomag 20 B, a 4-wheel-drive Tiny Unit-Personnel Carrier was generated 1937-1940( ca. 2000) under the parentage of Stoewer. Capacity troubles by Stoewer led to co-production by both BMW and also Hanomag. Together the three suppliers made ca. 10.000 units. The unique 4-wheel-steering system was fitted on many designs. Running a “lock-level” between the front seats made the steerable rear axle turn sidewards to a certain angle. The solitary most vital and famous armed forces vehicle to be created and also developed by Hanomag during Globe Battle II was the Sd.Kfz. 251 half-track( generally called merely “the Hanomag” )with a “complete manufacturing numbering simply over 15,000. Built to secure and deliver the Panzergrenadier mechanized infantry
pressures, it was without a doubt one of the most usual German armoured troop-carrying automobile of WWII, as well as a direct precursor to the armoured workers providers of today. In comparison “to one of the most typical Allied half-track of the battle, the M3 Half-track, the Sd.KFz 251 was slower and also lower-powered but with thicker, sloping side armor that supplied far better security; the flat-sided M3 was at one factor panned as the “Purple Heart Box” for being unable to stop 7.92 mm bullets at close variety, while the Hanomag’s sloping side shield dispersed the.30-caliber bullets of the Allies with no comparable issue. Article battle production resumed making trailer units followed by tractors as well as in 1949 a 1.5 heap vehicle. Although prototypes were made, no autos were produced postwar. Rudolph Hiller “, that had actually been president of Phänomen vehicles, signed up with the board as well as reorganized the company by preparing for it to join the Rheinstahl consortium in 1952.  Merging & Split. Hanomag-Henschel F 65. In 1964, Rheinstahl took control of Henschel-Werke and also in an opposite of background the business was combined with Hanomag. Hanomag Perfekt 400e. The farm tractor operation was marketed to Massey Ferguson and also in 1969 the truck making division of Hanomag-Henschel went to Daimler Benz, leaving the Hannover functions making earth-moving equipment for Massey Ferguson.
In 1989, the globe’s second biggest construction machine producer, Komatsu, bought a share of Hanomag AG and also since 2002 Komatsu Hanomag GmbH has actually been a 100% subsidiary of the international business. [modify] Construction equipment. Hanomag loader. In Hanover, the business is generating wheel loaders ranging from 54 to 353 hp( 263 kW )as well as considering that 2005 also has been creating rolled excavators from 14
to 22 tons. Thanks to the European Technical Center( EUTC ), these correspond to the most recent state of technology. In Hanover, the business develops construction devices which satisfy different demands of clients all over Europe as well as for sure products additionally worldwide.
Private mortgage loans are made by private lenders instead of traditional financing sources such as banks, lending institutions, or government agencies. They usually are short-term (6 months to 3 years) hard money or asset-based loans, and the decision to lend is based on the equity and value of the property being put up as collateral, not on the borrower’s credit.
These loans are a source of funding for professional real estate investors who wish to acquire, rehabilitate, or cash out equity of income producing property, and those who otherwise would not qualify for conventional financing. Private mortgages also assist real estate investors who need immediate financing without the financial documentation required by traditional institutional financiers.
Private mortgage loans are very secure because they represent a maximum of 65 percent to 70 percent of the appraised value of income producing property. On non-income producing property, a maximum of 55 percent loan to value is lent. Investors can expect to pay interest rates of 12 percent to 14 percent on first liens and 16 percent to 18 percent on second liens in this current low interest rate environment. Historically, first lien yield of six points over prime has been obtainable.
Many reasons exist, but all fall into four categories.
Speed of Closing. Conventional mortgages usually take between 45 days and 90 days to fund, since institutional lenders need to obtain an appraisal of the property’s value, perform a detailed examination of the borrower’s credit history, and thoroughly evaluate the borrower’s current financial status. On the other hand, private mortgage lenders usually can complete a transaction within seven to 10 days. Since the property itself is the main criteria used to determine loan eligibility, less information on the borrower is required, resulting in a much quicker approval process. The private mortgage lender is protected by lending at a significantly lower LTV ratio: 65 percent vs. 80 percent to 90 percent for institutional lenders. Further, the private mortgage lender can make a decision within 24 hours of receiving information, whereas institutional mortgage money must be approved by a loan committee that may meet only twice a month.
Easy Application Process. While a borrower’s lack of up-to-date personal financial information would negate or at least delay approval for an institutional mortgage, it should have no effect on the ability to obtain a private mortgage loan. Private mortgage lenders generally base their decisions on the asset used for collateral — the property. If the property value is high enough and the income being generated from it is sufficient to pay the interest on the debt, the borrower’s personal financial situation should not affect the private mortgage lender’s decision.
Other Money Resources Are Not Available. A borrower may not qualify for an institutional mortgage loan for reasons ranging from low borrower credit scores or too much borrower debt. Further, the property itself may not support the type of loan the borrower wants: Many institutional lenders will not loan amounts under $ 500,000 and will not lend second lien money even if there is significant equity in the property.
In these cases private mortgage lenders may be the only available resource. Institutional lenders are concerned with both the appraised value of the property and borrower and property credit; however, private mortgage lenders are concerned only with the appraised value, as long as it represents a fair market price. Hence, if a property is producing or can produce sufficient income to pay the note and the value of the property will provide sufficient equity, the borrower’s credit is not an issue for the private mortgage lender.
More Funds Available. Since private mortgage lenders base loans on the appraised value of the property, the borrower may be able to borrow more and therefore have less of its own capital invested in the property. In these instances, the borrower is not penalized for purchasing a property at a significant discount to market value.
Investment Parameters The most important parameter private mortgage lenders consider when evaluating a loan request is LTV ratio. They typically will lend up to 50 percent on raw land or undeveloped property; 65 percent on commercial income producing property such as office buildings, shopping centers, and warehouses; and 70 percent on multifamily income property such as apartment complexes. The maximum amount usually will be lent if all criteria are met; lower amounts may be lent if the loan or borrower is considered less than ideal.
The second parameter is the type of properties to lend on, which often is determined by the ease in disposing of the property in case of default. Obviously, a single-use property that would take a year to sell is less desirable than a multi-tenant, income producing office building.
The third investment parameter is the cash flow or income potential of the property put up as collateral. Although many private mortgage lenders are liberal in this area, the monthly interest payments must come from somewhere. If the property is producing a cash flow after all expenses, the property income alone may cover the monthly payments without the borrower having to come out of pocket. This adds a great degree of safety to the note. Cash flow from other income properties also can substitute for cash flow from the property being placed as collateral.
The fourth major investment parameter the lender must consider is exit strategy, or how the borrower plans to repay the loan. Since most private mortgage loans are short-term, private mortgage lenders have a keen interest in analyzing whether a particular exit strategy is viable. For example, if the exit strategy is to refinance the property, the lender must determine if the credit score of the borrower is high enough to qualify for a long-term mortgage, if the property cash flow is sufficient to cover the debt payments, and if the property will meet the general criteria set up by the mortgage lenders most likely to refinance the property.
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Warranty Trust fund Company has been eliminating the fuzz for home buyers considering that 1986. See this illustrated video clip for 8 Easy Tips to win a much better understanding of the mortgage process!
Check out www.guarantytrust.com/apply to obtain pre-approved for your mortgage!
More about Warranty Depend on Home loan: Given that 1986, we have been a market leader in residential home mortgage loaning. From funding your dream house to refinancing your existing home, we have you covered. Placed a Leading 100 Home mortgage Company in The U.S.A. for the last 2 years, Warranty Count on Home loan, offering Tennessee, makes consumer contentment a priority. The Bbb provides Warranty Depend on its greatest rating of A+!
by TheTruthAbout An Fha Home mortgage could be a consumer
credit score that is insured by the Federal Real estate Administration FHA, workplace inside the us Department of Housing and also concrete Growth HUD. The objective of the Fha Home mortgage Loan is to create home belongings extra accessible to additional Americans by developing it much easier for folks that may not be perfect home loan candidates to obtain home loans. FHA Financings are generally awfully favorable for the debtors, as well as from the purpose of read of the loaner, Associate in Nursing Fha Mortgage is extremely secure, developing loan providers additional assured pertaining to prolonging car loans to consumers Globe Health Organization prefer to be rejected.The Federal Housing Administration does not truly issue mortgages or financing funds. Instead, it guarantees home loans that are supported by certified lenders. If somebody wishes Associate in Nursing Fha Mortgage, she or he need to first notice a loaner World Health Company will provide FHA financings, then apply for a finance and as a result the Federal Housing Administration insurance coverage. When a home mortgage is backed by the Federal Real estate Management, it indicates if your home customer defaults, the Federal Housing Management could cowl the funds, that the loaner doesn’t take a loss.Buyers ought to satisfy several credentials to get Partner in Nursing Fha Home loan. First, there are home loan limitations, that are adjusted believing on the well worth of possessions within the room anywhere the customer requires to develop a purchase. Candidates for Associate in Nursing Fha Home loan Lending ought to even have great debt, and a suitable financial debt to financial gain size relationship. they require to additionally place a minimum of 3 Percent down at the time of purchase. FHA car loans are wonderful for people like first time residence customers, as well as other individuals World Wellness Organization have imperfect debt. specifically in times as soon as the economic climate is limited, lenders are reluctant to enhance car loans to people with credit troubles, also though these people are otherwise reasonable prospects for fundings. Partner in Nursing Fha Home loan permits somebody Globe Health Organization developed lots of blunders to prompt a car loan, as well as offers that individual a possibility to boost his/her credit document by paying commonly on a non-mortgage consumer debt. Inning accordance with the Federal Real estate Management, over thirty 4 million houses were insured by the Federal Real estate Administration in between 1934 and also 2008. This makes the Federal Housing Management the most vital home loan insurance policy company within the world. Several lenders within the us are able to technique Fha Home mortgage Funding, Affiliate in nursing their property financing officers will certainly supply additional data to individuals that intend that they could get an Fha Home loan Loan. You Can Get Even more Info By Clicking Fha Home loan And You Could Learn If You Satisfy Earnings Standards And If You Live In An Eligible Area By Clicking How To Make an application for An Fha Funding! A lot more Mortgage Articles
Introduction to mortgage loans. Created by Sal Khan.
View the following course:
Missed the earlier concept? View here: https://www.khanacademy.org/economics-finance-domain/core-finance/housing/renting-v-buying/v/renting-vs-buying-detailed-analysis?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets
Finance and capital areas on Khan Academy: people buying a home need home financing to do this. This guide explains exactly what a home loan is then in fact does some math to figure out exactly what your repayments tend to be (the last video is very mathy therefore contemplate it optional).
About Khan Academy: Khan Academy offers training workouts, instructional video clips, and a personalized discovering dashboard that empower learners to analyze at their very own pace in and outside the classroom. We tackle mathematics, research, computer programming, record, art record, economics, and more. Our mathematics missions guide learners from kindergarten to calculus using state-of-the-art, transformative technology that identifies talents and discovering gaps. We have additionally partnered with organizations like NASA, The Museum of Modern Art, The Ca Academy of Sciences, and MIT available specialized content.
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Take a look at these real estate loan photos:
HSBC 2012 Lending Figures
Image by HSBC UK Press Workplace
HSBC provided £46.8bn in brand new loans to UK organizations and home loan borrowers in 2012.
Antonio Simoes, mind of HSBC within the UK, commented:
“Last year we carried on to boost lending to both our business and specific clients, and our home loan market share has actually continued to develop. We are invested in helping the united kingdom economy heal by continuing to aid our customers through the coming many years.”
ZION TORINO S
Image by MANILA IMPERIAL ENGINE PURCHASES . . . .
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Image from page 100 of “Poly, The” (1916)
Image by Web Archive Book Images
Title: Poly, The
Year: 1916 (1910s)
Writers: Billings Polytechnic Institute
Subjects: RMC yearbooks yearbooks Rocky Mountain College Background Billings Polytechnic Record
Publisher: Billings Polytechnic Institute
Adding Library: Rocky Hill University, Paul M. Adams Memorial Library, History Archives
Digitizing Sponsor: LYRASIS Members and Sloan Foundation
Click here to view book online to see this illustration in context in a browseable on the web type of this guide.
Text Appearing Before Image:
Glenn Harvey Smith. He left his as-sociations right here for that various other life whenever such a brilliant future seemed justahead, yet we know that some day the mystery will be solved. Till thenwe will revere his memory and respect the good things he endured for. Empress Brand STEEL-CUT COFFEE on the market by all very first ClassGrocers every-where Roasted and loaded by Stone-Ordean-Wells Co. home loans on Im-proved real-estate Montana MortgageCompany Selvidge- Babcocfy BuildingPhone 1317 —98— Perkins-Savage Lumber Co. BILLINGS, MONTANA DEALERS IN LUMBER ANDBUILDING INFORMATION we provide into the general public the best level material atthe lowest possible price consistent with good company. Our Motto Is: Good merchandise at Right Prices WE SATISFY PHONE 1051 we’ve for sale ideal Upland in Montana to if you’re wanting a loca-tion for a suburban residence, wehave ideal. W. B. GEORGELAND CO. Push The switch and take directions: You willget nearly as good results because the professionalphotographer, using the Ansco
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