$10000 Mortgage – Oakland California, Credit Rating Of 696
- Experian: 715 – This individual had a good Experian score
- Transunion: 682 – Ciara had a good credit rating with Transunion.
- Equifax: Ciara’s Experian score was 696, which is a good credit score on the Experian system.
Signature Loan found in Oakland, California for $10000 with good credit by Ciara
Most borrowers struggle with finding signature loans in Oakland, California, and Ciara is no different. Ciara went to 5 lenders or more prior to settling on City Federal Savings and Loan Association, who offered Ciara a signature loan for $10000. Typical signature loans simply require a client, like Ciara’s signature to get them, up to $27,000 in some cases. Ciara was able to get $10000 as a mortgage, which is very high for a mortgage. Because signature loans don’t need collateral, they tend to require higher credit, as high as 748
When Ciara was 21, they tried to obtain a student loan from 7 alternate banks, which damaged their credit score. Below is a chronology of Ciara’s previous attempts at finding a student loan:
- Attempt 1) Loan for $27,000.00 on July 24, 2010
- Attempt 2) Loan for $23,000.00 on February 6, 2011
- Attempt 3) Loan for $21,000.00 on June 18, 2011
- Attempt 4) Loan for $24,000.00 on August 26, 2013
- Attempt 5) Loan for $25,000.00 on March 6, 2009
- Attempt 6) Loan for $30,000.00 on December 2, 2010
- Attempt 7) Loan for $33,000.00 on March 4, 2010
Paraphrased and Standardized Quote from Ciara for this mortgage of $10000, provided by City Federal Savings and Loan Association
Hi, I am Ciara and I’m from Oakland in California. Alameda, county is where I grew up, and now I need a mortgage in California for $10000 to buy a big ticket item. It has been difficult, but City Federal Savings and Loan Association really came through for me with this loan for 7.3% interest APR and a term of 6 years. I can repay the loan over the 6 year term, including interest. A big thanks to City Federal Savings and Loan Association for trusting me and my good credit. It look me 7 years to build my credit to 696, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.
Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans range from $29,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Ciara needed a debt consolidation loan to pay for their existing mortgage and their payday loan. Ciara was able to find a mortgage in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.7%.
Before applying for this mortgage, Ciara had an Experian score of 715, which is good, so City Federal Savings and Loan Association probably cannot provide Ciara a mortgage
Installment loan for Ciara, a graduate of Autry Technology Center and an airline flight operations administrator working for over $78,000 per year
Ciara, an alumnus at Autry Technology Center and an airline flight operations administrator in Oakland, California wants a mortgage to purchase a house. Ciara has instead chosen to obtain an installment loan for $10,000 and is at present seeking lenders like Citizens State Bank of Santa Paula to provide it.
Fast Loans for Ciara in Oakland, California to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Oakland, California aren’t actually that difficult to obtain, especially if you have some finesse like Ciara. Ciara was able to find a fast loan for $10000 from First Interstate Bank of California and Santa Ynez Valley Bank, but declined both offers in favor of their mortgage from City Federal Savings and Loan Association. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. Much better if you are in a pinch.
Ciara was rejected by Central Bank 6 times before being approved by City Federal Savings and Loan Association at 1730 Franklin Street
On March 22, 2010, Ciara inquired about borrowing $39,000 from Bank of Alex Brown with Jeanene, their friend from just outside Oakland, and even with the co-signer, Ciara was rejected for this mortgage. With good credit, it can be difficult to procure funding, even with collateral and a co-signer.
Many previous requests for credit have been made by Ciara in the past, including one from Perpetual Savings Bank, FSB in Oakland, California before Ciara was approved for the $10000 by City Federal Savings and Loan Association
Ciara made 8 previous attempts to obtain a mortgage, 2 of which were with Perpetual Savings Bank, FSB, a bank in Oakland, California known to specialize in mortgages specifically. Before finding City Federal Savings and Loan Association, Ciara was concerned due to their inexperience and good credit score.
- Full name (Changed if requested): Ciara Swanhart
- Current Credit: loans.hit.utils.Fico@cc34f4d
- Current City: Oakland
- State: California
- Zip code: 94615
- Yearly income: $47,000
- Current Job: airline flight operations administrator
- Current County: Alameda
- Goal Yearly Income: $149,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
Previous requests on Ciara’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$52110.00||9||11.4%||$773.72||Santa Monica Bank||March 9, 2009|
|$51560.00||11||9.5%||$631.02||Farmers and Merchants Bank of Long Beach||May 14, 2011|
|$51830.00||10||7.6%||$617.94||First Interstate Bank of California||June 3, 2013|
|$52470.00||9||7.2%||$661.53||Union Bank||February 18, 2014|
Ciara has a disappointing current yearly income, but has a high number of prospects
Ciara has always wanted to be a cosmetologist, but would need attend Autry Technology Center again to become one. Ciara has other possibilities as well, including patent agent, chemistry professor, and loan counselor, which pay $54,000 through to $91,000 per year, at least. Because of this, we believe that Ciara can afford this mortgage of $10000.
6 Months in the Past, Ciara Tried to Find a High Risk Loan for $34,000.00, and it was Hard
It is an well known struggle for borrowers to get high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Ciara. Ciara chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit borrowers. Individuals with credit ratings as low as 385 can inquire for a high risk loan and possibly can be approved.
Contact Details for City Federal Savings and Loan Association, the provider of this mortgage
- City Federal Savings and Loan Association
- City: Oakland
- State: California
- Address: 1730 Franklin Street
- County: Alameda
- Zip code: 94612
Ciara’s Overall FICO score at the time of acceptance for a mortgage, taking into account their airline flight operations administrator job and their future career as a cosmetologist
Ciara’s Transunion score was altered by the mortgage loan, changing to 682 from 696, which is typical in our experience.
Personal Loan for an airline flight operations administrator named Ciara in Oakland, California to Pay Off Frontier World MasterCard with Annual Fee
Ciara had a lot of credit card debt on their Bangor Savings Bank Visa Business Bonus Rewards PLUS Card and their College of William & Mary Platinum Plus MasterCard with WorldPoints Rewards, and they were starting to get in over their heads. Despite Ciara’s job as an airline flight operations administrator, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Conclusion of Ciara’s mortgage
In the end, Ciara was able to find a mortgage for $10000 with an interest rate of 5.5% interest APR from City Federal Savings and Loan Association in Oakland, California repayable over 6 years from now.