European Stars And Stripes (Newspaper) - November 5, 1985, Darmstadt, Hesse                                Tuesday novembers 1985 the stars and stripes measure would tighten a loan rules foreclosure rate prompts Senate proposal Washington a concerned Aboul the Large number of foreclosures  have prompted Congress to pour millions of dollars into the a Home loan program the Senate is considering legislation that would make it More difficult for some veterans to gel government backed mortgages the Bill sponsored in pan by Senate veterans affairs committee chairman Frank Murkowski a Alaska would make adminis Ralic changes that he contends amount to a major alteration of the a Home loan pro Gram. Changes Are needed he said because loan foreclosures have continued piling up at record Levels since the recession of the Early 1980s, even though unemployment an interest rates have eased. Foreclosures arc running at a Rale of 2,500 a month and the a loses an average of j 14,496 on each Home that is foreclosed. The Agency is holding More than 18,000 foreclosed Homes and is owed j700 million by defaulting veterans. Glen Corso senior vice president of the mortgage Bankers association whose members include lenders under the a program said veterans would face tougher financial standards to get Loans if the Bill becomes Law. I think the effect will be no. 1, it will eliminate some marginal people from getting Loans Corso said. The average Veteran in the future might not qualify for As Large a loan As in the  when Home prices were shooting up in the 1970s, the a s system of guaranteeing Loans through private lenders paid for itself. Any losses were made up through the 1 percent fee charged to borrowers and through the enhanced value of Homes. But As foreclosures Rose and Home values in most areas ceased their rapid Rise Congress began transferring Money into the program nearly $1.9 billion since 1978 to cover loses. When stuck with a foreclosed Home the a often could t cover the full loan amount when it resold the Home. The a Home loan program was designed to provide housing for America s returning veterans and also to Stim ulate the housing Industry Murkowski. A Farmer banking executive said in a recent interview. It s done both of those and done both of them quite Well. However in the process. You re going to have a High degree of exposure unless you address some realistic issues that change. And one Issue that has t been addressed is the realization that property for All practical purposes has stopped the appreciation that it  the program makes it possible for veterans of get a Home loan with no Money Down and at an interest Rale below that of conventional Loans. They pay a fee of 1 percent of the loan amount which itself can be financed. The a then guarantees to the Lender a portion of the loan currently a maximum of 127,500. The Reagan administration this year proposed raising the loan fee to 5 percent but met overwhelming opposition. Among the Bill s elements Are two requiring thai the a establish standards for debt to income ratios that veterans would have to meet to qualify for Loans. Murkowski contends that current loan approval practices do not look at All of a Borrower s obligations and do not present a full picture of a Veteran s Poleo Lial credit risk. Lenders notify the a after n Veteran missed two monthly payments and require them to begin foreclosure Steps alter four missed payments. Murkowski says the a is not monitoring Loans for Early signs of trouble. A recent a inspector general report said the a could have avoided s186 million in costs in one year by raising underwriting standards. The audit said More than 14 per cent of v a Loans in fiscal 1982 were made to veterans who were not Good credit risks. John Steinberg the Senate veterans affairs committee minority staff director said the panel rejected a Murkowski proposal to have lenders select Home appraisers. The legislation includes a proposal by sen. Alan Cranston d-calif., to raise the maximum guaranteed amount thus allowing the maximum amount of a v a loan to Rise to More than is 30,000. From Aboul is 10.000 now. The Bill was passed last week by the Senate veterans affairs committee and sent to the full Senate. If passed by the full Senlac it still must go to the House. A pocketful of mileage Richard Thanh Elmer attracts curious on a Bike. Thalheimer did he pocket Bike Looker at Boston f Faneuil Hall Market sold by sharper Lmae stores was t very place while caking a lest ride on the pock fast but it got great Gas mileage. Association urges dentists to treat aids patients san Francisco a fear of aids Send hundreds of deists trooping into weekend lectures on infection control where they were urged to Stop discriminating against aids patients and pay More attention to office Hygiene. There is a lot of hysteria i m trying to Tell dentists there is no reason for concern said or. Mario Andriolo jr., a new York dentist who lectured on treatment of acquired immune deficiency syndrome patients during the american dental association s annual meeting. The aids virus is spread primarily by sexual Contact or Contact with infected blood. But it also has been found in saliva. However despite the Public hysteria this remains a difficult disease to transmit said or. Harry Hollander head of the aids clinic at the University of California at san Francisco. Hollander told the 300 dental care work ers to not shun the responsibility of care for these  dentists have an obligation morally to provide service to any patient who needs it. It s not a Legal obligation unfortunately except where cities have anti discrimination Laws said or. Jack Rosenberg founder of the Manhattan dental Guild a group of Gay new York dentists. During lectures and workshops held sat urday and sunday dentists were told to Wear masks plastic gloves and Eye Protection when treating any patient dispose of waste in double plastic bags and improve sterilization of dental tools. Edgar Mitchell Sec Clary of the association s Council on dental therapeutics said the Only reported aids patients among dental care workers were members of known risk groups. Those groups include homosexual and bisexual men intravenous drug abusers who share Needles and recipients of blood transfusions from infected do nors. Mitchell said studies arc following 1,750 health care workers who accidentally pricked themselves with Needles used by aids patients. Only Ihrck who Aren t Mem Bers of High risk groups have shown any signs of having been infected he said. Deists Are often the first to detect aids which wrecks the body s ability to Ward off infections because the infections frequently arc seen first in inc Mouth. Or. Sol Silverman jr., chairman of Oral Medicine at in Csc showed graphic slides of aids a aliens with Oral cancers and infections drawing occasional groans from his audience. Silverman said Oral diseases in ads patients include a fungal infection named can Didi Asis or Thrush a cancer called Kaposi s Sarcoma premature disease of the Gums and underlying Bone herpes sores and a corrugated whitish crust on the Tongue called Leuko Plakia. Suspect in 1947 killing will be Tough to prosecute re1dsville, . Up investigators have arrested a 66-year-old Man an charges of murdering an army air Force Veteran in 1947, but prosecutors say it May be difficult to try the Case because so few people remember the slaying. Rockingham county sheriff . Var non said investigators acting on an Anonymous tip gathered evidence for a month before arresting Eugene Lester Price in the killing of James Alverson 38 years ago. I Don t know of a Case much older being solved Vernon said after Friday s arrest. District attorney Phillip Allen said it will be a difficult Case to prosecute because so few people remember the slaying. Even a 6-month-old Case is difficult to prosecute Allen said. Alverson an army air Force truck Driver was discharged in february 1947 and returned to the Ruffin area where his parents and five Brothers and Sisters lived As sharecroppers on a farm. Alverson s body was found in a Creek on oct. 29. 1947. At the Lime investigators speculated the motive was robbery because the victim disappeared after delivering to Bacco to Market. It s been so Long. I m just glad it s come to a close said Alverson s sister Helen Cobb