Baltimore HUD Homes Blog

My grandfather was thin and slim with deep wrinkles in the face. Everything about my grandfather was old except his smile and eyes they were the same color as the rich dark chocolate he shared with me every morning.

I remember, my grandfather said.

Families from the old neighborhood were able to buy their first home often in the newly urbanized suburbs, thanks to FHA (The Federal Housing Administration) I think it was some time in the summer of 1949. FHA had been around since 1934 assisting people to buy homes, without FHA you probably need fifty percent down payment to buy a home. I sure did not have a couple thousand dollars during the great depression.

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There was no work in our neighborhood until the war was over. As we started to come back from Germany there was construction everywhere motivated by the end of the war turned into extra money in the pockets of many people who dreamed of owning a home.

My grandfather paused for a second and smiled and took a big breath and continues his story about buying a home. However I remember that during the war years postage stamps cost $.03, a gallon of gas was $.11, and the Sunday newspaper was $.10. There was no television plus movies were mostly black and white. This variety of distraction, (movies), was a much loved not only as a sense of break away from to another world, but the theater was comfy and cool because it was air conditioned.

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I can remember that the majority homes did not have air conditioning and many folks spent summers outside or with all windows open. Crime was not widespread and folks felt safe, the doors of the house where your grandmother and I lived were not even locked when we were away from home.
Thanks to the GI Bill (Veterans Administration), I was able to enjoy a low-interest housing loans and assistance with down payments. I think I purchased our first home back in 1951 with the GI Bill.