Small bales are still produced today. While balers for small bales are still manufactured, as well as loaders and stackers, there are some farms that still use equipment manufactured over 50 years ago, kept in good repair.
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The Federal Housing Administration has provided government insurance for home mortgage loans since the Great Depression in the 1930s. FHA-insured loans are a viable option for first-time homebuyers, thanks to the favorable terms provided by lenders because of the presence of government backing. The FHA has a clear definition of first-time homebuyer, which lenders must use during the underwriting process.