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Azucena Needed A Mortgage For $88000, Chipley, Florida

$88000 Mortgage – Chipley Florida, Credit Rating Of 722

  • Experian: 739 – The client had an excellent Experian rating
  • Transunion: 703 – Azucena had an excellent credit rating with Transunion.
  • Equifax: Azucena’s Experian score was 722, which is an excellent credit rating with the Experian rating scheme.
Client Profile: Azucena Garmoe of Chipley, Florida
  • Full name (Changed if requested): Azucena Garmoe
  • Current Credit: loans.hit.utils.Fico@2e5d6d97
  • Current City: Chipley
  • State: Florida
  • Zip code: 32434
  • Yearly income: $41,000
  • Current Job: computer programmer
  • Current County: Washington
  • Goal Yearly Income: $95,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Azucena’s Overall FICO score at the time of acceptance for a mortgage, taking into account their computer programmer job and their future career as a middle school guidance counselor

Fico Score: 722

Signature Loan acquired in Chipley, Florida for $88000 with excellent credit by Azucena

Many prospective borrowers struggle with finding signature loans in Chipley, Florida, and Azucena is no exception. Azucena went to 8 lenders or more before settling on One South Bank, who offered Azucena a signature loan for $88000. Typical signature loans simply need a client, like Azucena’s signature to obtain them, up to $45,000 in some cases. Azucena was able to get $88000 as a mortgage, which is very high for a mortgage. Because signature loans don’t need a cosigner, they tend to require improved credit, as high as 769

Several past requests for credit have been made by Azucena in the past, including one from Union Trust Company of Bridgeport in Chipley, Florida before Azucena was approved for the $88000 by One South Bank

Azucena made 8 previous attempts to obtain a mortgage, 2 of which were with Union Trust Company of Bridgeport, a bank in Chipley, Florida known to specialize in mortgages specifically. Prior to finding One South Bank, Azucena was concerned due to their inexperience and excellent credit rating.

6 Months Ago, Azucena Attempted Finding a High Risk Loan for $25,000.00, and it was Hard

There is an existing struggle for clients to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Azucena. Azucena chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Individuals with credit scores as low as 516 can apply for a high risk loan and may be be accepted.

Azucena has a sad current yearly income, but has several of prospects

Azucena has always wanted to be a middle school guidance counselor, but would have to attend Vermont Technical College again to achieve it. Azucena has other possibilities as well, including forest and conservation technician, airport design engineer, and field contractor, which pay $59,000 through to $104,000 per year, at least. For this reason, we believe that Azucena can pay for this mortgage of $88000.

Previous requests on Azucena’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$80840.00 5 6.3% $1574.17 NCNB National Bank of Florida November 9, 2009
$81440.00 3 8.2% $2559.55 Southeast Bank of Madison County, National Association April 11, 2010
$81490.00 10 11.8% $1159.74 Southeast Bank of Wildwood April 13, 2012
$80550.00 10 10.2% $1073.42 Atlantic Bank of Jacksonville August 22, 2013
$81250.00 10 8.5% $1007.38 Century National Bank of Broward April 27, 2014

Azucena was not approved by Barnett Bank of Putnam County 6 times before being granted funding by One South Bank at 1385 Main Street

On July 16, 2009, Azucena applied about borrowing $35,000 from First Bank of Crestview with Berry, their friend from just outside Chipley, and even with the co-signer, Azucena was rejected for this mortgage. With excellent credit, it can be difficult to procure financing, even with collateral and a co-signer.

Azucena’s Transunion score was altered by the mortgage loan, changing to 703 from 722, which is normal in our experience.

Transunion Score: 703

Before applying for this mortgage, Azucena had an Experian score of 739, which is excellent, so One South Bank most likely cannot provide Azucena a mortgage

Experian Score: 739

Personal Loan for a computer programmer named Azucena in Chipley, Florida to Pay Off College of William & Mary Platinum Plus MasterCard with WorldPoints Rewards

Azucena had a tonne of credit card debt on their Atlanta Braves BankAmericard Cash Rewards MasterCard and their Good Sam Club Visa Signature card with REC REWARDS, and they were starting to get in over their heads. Despite Azucena’s job as a computer programmer, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $27,000.00 to $58,000.00. They are normally used to pay off existing high interest loans like credit cards. Azucena needed a debt consolidation loan to pay for their existing mortgage and their payday loan. Azucena was able to find a mortgage in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.2%.

Contact Details for One South Bank, the provider of this mortgage

  • One South Bank
  • City: Chipley
  • State: Florida
  • Address: 1385 Main Street
  • County: Washington
  • Zip code: 32428

Fast Loans for Azucena in Chipley, Florida to prevent bankruptcy or harm from debt collectors.

Fast loans in Chipley, Florida aren’t actually that difficult to obtain, particularly if you have some finesse like Azucena. Azucena was able to find a fast loan for $88000 from Barnett Bank of Tampa, National Association and The Huntington National Bank of Lakeland, but declined both offers in favor of their mortgage from One South Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. Much better in the case that a borrower is in a pinch.

Installment loan for Azucena, a graduate of Vermont Technical College and a computer programmer working for over $71,000 per year

Azucena, an alumnus at Vermont Technical College and a computer programmer in Chipley, Florida wants a mortgage to purchase a car. Azucena has instead decided to obtain an installment loan for $21,000 and is currently seeking lenders like NCNB National Bank of Florida to provide it.

When Azucena was 21, they tried to obtain a student loan from 6 alternate banks, which damaged their credit score. Below is a chronology of Azucena’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $24,000.00 on March 1, 2011
  • Attempt 2) Loan for $25,000.00 on June 27, 2011
  • Attempt 3) Loan for $36,000.00 on December 12, 2012
  • Attempt 4) Loan for $39,000.00 on December 22, 2013
  • Attempt 5) Loan for $34,000.00 on September 6, 2009
  • Attempt 6) Loan for $20,000.00 on December 30, 2008

Paraphrased and Standardized Quote from Azucena for this mortgage of $88000, provided by One South Bank

Hi, I am Azucena and I’m from Chipley in Florida. Washington, county is where I grew up, and now I need a mortgage in Florida for $88000 to renovate my home. It has been difficult, but One South Bank really came through for me with this loan for 7.6% interest APR and a term of 19 years. I can probably repay the loan over the 19 year term, including interest. A big thanks to One South Bank for giving me a chance and my excellent credit. It look me 8 years to create my credit to 722, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Conclusion of Azucena’s mortgage

In the end, Azucena was able to find a mortgage for $88000 with an interest rate of 5.5% interest APR from One South Bank in Chipley, Florida repayable over 19 years from today.

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.