Then he got a pensil & a peace of paper & says how much do you owe the archateck & I told him & then he says they aint nothing in the contrack a bout electrick light fixtures or finnished hard ware or wall paper so I called up the archateck & he says no they dident never includ them things because they was picked out to sute our tast after the house was build. So I come back from the phone & told the man we would pick them things out after words & pay for them our self & he says o no you wont because we got to have all the money here to cover all the expences. I says well then add it up what you think it will be & I will borry that much more but he says no $2,000 is all we can lone you. I says well them things wont come for a long wile & meen time they can be building the house & long before they get it build I will give you the rest of the money but he says no your own moneys got to be payed out 1st & ourn after words. So I called up Grace & told her a bout it & she says how much extra will it be & I got the man to figure it up & he says the total would be $305 besides the $2,000 & the extra $305 is $75 for the archateck & $70 for hard ware & $50 for wall paper & $50 for electrick lt. fixtures & $30 for insurence & $30 more for the banks comishan which I got to pay the bank for there trouble when Im the 1 thats haveing the trouble. The insurence is for 5 yrs. & if the house burns the bank gets the insurence & I dont get nothing but I pay for the insurence & then besides all that they will be $25 more that the bank sokes me for geting an other garantee polisy for them self so they will be sure the title is OK & I all ready payed $25 to find out the same thing & Im satisfide but I got to pay for an other 1 for the bank.
Well Charley I got to dig up $330 some wheres & I dont know where it will be at but its got to be some wheres or they wont be no house & winters geting closter all the wile. Dont never get mixed up in nothing like this Charley. If it wasent to late Id tell the bank to go to.
Fred A. Gross .
Chicago, Nov. 20—