Structural composite panels (the APA tradename is COM-PLY) consist of veneer faces bonded to a wood-base core material, such as OSB. Composite panels are manufactured in three- or five-layer arrangements. A three-layer panel has a wood fiber core and a veneer face and back, while a five-layer panel also has a veneer crossband in the center. When manufactured in a one-step pressing operation, voids in the veneers are filled automatically by the particles or strands as the panel is pressed in the bonding process. Typical composite panel applications include sheathing, siding and industrial applications.
The Federal Housing Administration works to make homeownership a possibility for more Americans. With the FHA, you don’t need perfect credit or a high-paying job to qualify for a loan. The FHA also makes loans more accessible by requiring smaller down payments than conventional loans. In fact, an FHA down payment could be as little as a few months’ rent. And your monthly payments may not be much more than rent.