Utilizing SACHEMâs quaternary ammonium compounds (Quats), as strong organic bases or catalysts adjust pH and prevent unwanted reactions. Useful in a variety of reactions, these compounds prevent typical problems associated with common volatile compounds and the addition of metal contamination.tilizing SACHEMâs quaternary ammonium compounds (Quats), as strong organic bases or catalysts adjust pH and prevent unwanted reactions. Useful in a variety of reactions, these compounds prevent typical problems associated with common volatile compounds and the addition of metal contamination.
FHA Loan. Definition. A government mortgage that is insured by the Federal Housing Administration (FHA). These loans have been insured by the FHA since the creation of the agency in 1934. Since then, various Housing and Community Development Acts have been passed which have slightly altered the laws regarding FHA loans.
An FHA mortgage is a government-backed home loan with more flexible lending requirements than those for conventional loans. Because of this, interest rates for FHA mortgages may be somewhat higher, and the buyer may need to pay monthly mortgage insurance premiums along with their monthly loan payments. An FHA loan is available with fixed rates or as an adjustable-rate mortgage. FHA loans are insured by the Federal Housing Administration (FHA) and may have an easier qualification process due to less stringent down-payment and credit requirements than conventional mortgages.