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Home Loan With Very Low APR In Hamilton County, Ohio

$468000 Home Loan – Cincinnati Ohio, Credit Score Of 830

  • Experian: 849 – This client had an excellent Experian rating
  • Transunion: 817 – Quinn had an excellent credit rating with Transunion.
  • Equifax: Quinn’s Experian score was 830, which is an excellent credit score with the Experian system.

Personal Loan for a tax lawyer named Quinn in Cincinnati, Ohio to Pay Off Lanpass Visa Card

Quinn had a tonne of credit card debt on their SECU Credit Union Visa Cards and their Alabama Central Credit Union MasterCard, and they were starting to get in over their heads. Despite Quinn’s job as a tax lawyer, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

9 Months in the Past, Quinn Tried to Find a High Risk Loan for $35,000.00, and it was Easy

It is an existing struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Quinn. Quinn decided not to obtain a high risk loan this time. High Risk loans are given to very low credit clients. Borrowers with credit ratings as low as 455 can inquire for a high risk loan and possibly can be accepted.

Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans vary from $30,000.00 to $49,000.00. They are typically used to pay off existing high interest loans like credit cards. Quinn required a debt consolidation loan to pay for their existing home loan and their payday loan. Quinn was able to find a home loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 3.5%.

Quinn has a low current total income, but has a high number of prospects

Quinn has always wanted to be a truck driver, but would have to attend Temple University again to achieve it. Quinn has other possibilities as well, including public transportation inspector, law professor, and crop workers supervisor, which pay $54,000 through to $106,000 per year, on average. For this reason, we think that Quinn can pay for this home loan of $468000.

Quinn was not approved by The Commercial Bank 6 times prior to being approved by Central Hyde Park Savings and Loan Company at 2717 Erie Ave

On July 28, 2012, Quinn applied about borrowing $39,000 from The Citizens Bank with Sammie, their friend from just outside Cincinnati, and even with the co-signer, Quinn was rejected for this home loan. With excellent credit, it can be difficult to procure funding, even with collateral and a co-signer.

Many previous requests for credit have been made by Quinn in the past, including one from Sandia Federal Savings and Loan Association in Cincinnati, Ohio before Quinn was approved for the $468000 by Central Hyde Park Savings and Loan Company

Quinn made 8 previous tries to obtain a home loan, 2 of which were with Sandia Federal Savings and Loan Association, a lending institution in Cincinnati, Ohio known to specialize in home loans specifically. Prior to finding Central Hyde Park Savings and Loan Company, Quinn was desperate due to their inexperience and excellent credit rating.

When Quinn was 18, they tried to obtain a student loan from 5 alternate lenders, which damaged their credit rating. Below is a list of Quinn’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on June 7, 2009
  • Attempt 2) Loan for $38,000.00 on April 12, 2013
  • Attempt 3) Loan for $36,000.00 on January 21, 2013
  • Attempt 4) Loan for $26,000.00 on July 2, 2012
  • Attempt 5) Loan for $39,000.00 on June 9, 2012

Previous requests on Quinn’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$49110.00 3 6.4% $1502.94 The Vinton Banking Company October 29, 2010
$48530.00 5 9.3% $1014.48 The Ohio Valley Bank Company April 13, 2013
$49330.00 8 9.5% $735.55 The Citizens Bank October 9, 2013
$49190.00 4 5.3% $1139.51 The Peoples Bank November 27, 2013
$48790.00 10 7.3% $574.07 The Freeport State Bank March 12, 2014

Contact Details for Central Hyde Park Savings and Loan Company, the provider of this home loan

  • Central Hyde Park Savings and Loan Company
  • City: Cincinnati
  • State: Ohio
  • Address: 2717 Erie Ave
  • County: Hamilton
  • Zip code: 45208

Quinn’s Overall FICO score at the time of acceptance for a home loan, taking into account their tax lawyer job and their future job as a truck driver

Fico Score: 830

Installment loan for Quinn, a graduate of Temple University and a tax lawyer working for over $60,000 per year

Quinn, an alumnus at Temple University and a tax lawyer in Cincinnati, Ohio needs a home loan to purchase something frivolous. Quinn has instead decided to get an installment loan for $13,000 and is at present seeking lenders like The Peoples Savings Bank Company to process their request.

Client Profile: Quinn Spane of Cincinnati, Ohio
  • Full name (Changed if requested): Quinn Spane
  • Current Credit: loans.hit.utils.Fico@1218025c
  • Current City: Cincinnati
  • State: Ohio
  • Zip code: 45212
  • Yearly income: $40,000
  • Current Job: tax lawyer
  • Current County: Hamilton
  • Goal Yearly Income: $137,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Signature Loan easily acquired in Cincinnati, Ohio for $468000 with excellent credit by Quinn

Many clients struggle with finding signature loans in Cincinnati, Ohio, and Quinn is not an exception. Quinn went to 6 lenders or more prior to finding Central Hyde Park Savings and Loan Company, who offered Quinn a signature loan for $468000. Typical signature loans simply need a client, like Quinn’s signature to obtain them, up to $27,000 in some cases. Quinn was able to get $468000 as a home loan, which is very high for a home loan. Since signature loans don’t require collateral, these loans tend to require better credit, as high as 727

Fast Loans for Quinn in Cincinnati, Ohio to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Cincinnati, Ohio aren’t actually that difficult to obtain, particularly if you have some finesse like Quinn. Quinn was able to find a fast loan for $468000 from The Clarksburg Commercial Bank and National City Bank, Northeast, but declined both offers in favor of their home loan from Central Hyde Park Savings and Loan Company. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. Much better if a borrower is in a time sensitive situation.

Quinn’s Transunion score was altered by the home loan loan, changing to 817 from 830, which is typical in our experience.

Transunion Score: 817

Before applying for this home loan, Quinn had an Experian score of 849, which is excellent, so Central Hyde Park Savings and Loan Company most likely cannot provide Quinn a home loan

Experian Score: 849

Paraphrased and Standardized Quote from Quinn for this home loan of $468000, provided by Central Hyde Park Savings and Loan Company

Hello, I am Quinn and I’m from Cincinnati in Ohio. Hamilton, county is where I grew up, and now I need a home loan in Ohio for $468000 to avoid bankruptcy. It has been difficult, but Central Hyde Park Savings and Loan Company really came through for me with this loan for 9.1% interest APR and a term of 17 years. I can probably repay the loan over the 17 year term, including interest. A big thanks to Central Hyde Park Savings and Loan Company for trusting me and my excellent credit. It look me 7 years to build my credit to 830, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.

Conclusion of Quinn’s home loan

In the end, Quinn was able to find a home loan for $468000 with an interest rate of 7.4% interest APR from Central Hyde Park Savings and Loan Company in Cincinnati, Ohio repayable over 17 years from now.

Will Alexander

Will Alexander has over 10 years of experience as a financial expert and writer. The goal of his work is to assist the people of Texas in finding loans for lower interest rates than they thought were possible. Will specializes in bad credit loans.

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Names of borrowers and lenders have been modified, substituted, or fictionalized for search and privacy purposes. Information presented here is for entertainment purposes only and should not be interpreted as the truth.