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Dagmar Had Need For A Home Loan For $129000, Waltham, Massachusetts

$129000 Home Loan – Waltham Massachusetts, Credit Score Of 317

  • Experian: 327 – They had a terrible Experian rating
  • Transunion: 301 – Dagmar had a terrible credit rating with Transunion.
  • Equifax: Dagmar’s Experian score was 317, which is a terrible credit score on the Experian system.

Fast Loans for Dagmar in Waltham, Massachusetts to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Waltham, Massachusetts aren’t actually that difficult to obtain, especially if you have some finesse like Dagmar. Dagmar was able to find a fast loan for $129000 from The Broadway National Bank of Chelsea and The Conway National Bank, but declined both offers in favor of their home loan from Chart Bank, A Cooperative 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 debt consolidation loans. A big improvement in the case that a borrower is in a time sensitive situation.

Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $36,000.00 to $55,000.00. They are normally used to pay off existing high interest loans like credit cards. Dagmar required a debt consolidation loan to pay for their existing home loan and their loan shark loan. Dagmar was able to find a home loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 3.2%.

Client Profile: Dagmar Trigillo of Waltham, Massachusetts
  • Full name (Changed if requested): Dagmar Trigillo
  • Current Credit: loans.hit.utils.Fico@4769b07b
  • Current City: Waltham
  • State: Massachusetts
  • Zip code: 2452
  • Yearly income: $35,000
  • Current Job: medical photographer
  • Current County: Middlesex
  • Goal Yearly Income: $126,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Previous requests on Dagmar’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$10150.00 7 10.5% $171.14 State Street Bank and Trust Company June 1, 2009
$10490.00 11 5.3% $105.04 United States Trust Company July 20, 2012
$9800.00 5 11.3% $214.54 BayBank Harvard Trust Company December 6, 2012
$10480.00 8 11.2% $165.76 Durfee Attleboro Bank February 28, 2014

Installment loan for Dagmar, a graduate of Christendom College and a medical photographer working for over $78,000 per year

Dagmar, an alumnus at Christendom College and a medical photographer in Waltham, Massachusetts needs a home loan to purchase a car. Dagmar has instead chosen to get an installment loan for $19,000 and is at present seeking lenders like The Beverly National Bank to process their request.

Contact Details for Chart Bank, A Cooperative Bank, the provider of this home loan

  • Chart Bank, A Cooperative Bank
  • City: Waltham
  • State: Massachusetts
  • Address: 75 Moody Street
  • County: Middlesex
  • Zip code: 2451

Dagmar’s Transunion score was changed by the home loan loan, changing to 301 from 317, which is normal in our experience.

Transunion Score: 301

9 Months Ago, Dagmar Attempted Finding a High Risk Loan for $38,000.00, and it was Hard

There is an existing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Dagmar. Dagmar chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit individuals. Individuals with credit ratings as low as 450 can apply for a high risk loan and may be be approved.

Before applying for this home loan, Dagmar had an Experian score of 327, which is terrible, so Chart Bank, A Cooperative Bank probably cannot provide Dagmar a home loan

Experian Score: 327

Dagmar was rejected by Lexington Trust Company 7 times prior to being granted funding by Chart Bank, A Cooperative Bank at 75 Moody Street

On December 23, 2012, Dagmar applied about borrowing $14,000 from The Beverly National Bank with Parthenia, their in law from just outside Waltham, and even with the co-signer, Dagmar was rejected for this home loan. With terrible credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Dagmar has a very low current gross income, but has a large amount of prospects

Dagmar has always wanted to be an executive secretary, but would have to attend Christendom College again to become one. Dagmar has other prospects as well, including sales representative, foreign student adviser, and airport administrator, which pay $59,000 through to $102,000 per year, at least. For this reason, we think that Dagmar can afford this home loan of $129000.

Paraphrased and Standardized Quote from Dagmar for this home loan of $129000, provided by Chart Bank, A Cooperative Bank

Hello, I am Dagmar and I am from Waltham in Massachusetts. Middlesex, county is where I grew up, and now I need a home loan in Massachusetts for $129000 to renovate my home. It wasn’t easy, but Chart Bank, A Cooperative Bank really came through for me with this loan for 8.5% interest APR and a term of 3 years. I can probably repay the loan over the 3 year term, including interest. A big thanks to Chart Bank, A Cooperative Bank for giving me a chance and my terrible credit. It look me 5 years to build my credit to 317, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for helping me this far.

Dagmar’s Overall FICO score at the time of acceptance for a home loan, taking into account their medical photographer job and their future job as an executive secretary

Fico Score: 317

When Dagmar was 21, they attempted to obtain a student loan from 4 different lenders, which harmed their credit score. Below is a list of Dagmar’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $24,000.00 on November 27, 2009
  • Attempt 2) Loan for $39,000.00 on March 30, 2009
  • Attempt 3) Loan for $31,000.00 on May 24, 2010
  • Attempt 4) Loan for $22,000.00 on February 27, 2013

Multiple past requests for credit have been made by Dagmar in the past, including one from Cudahy Savings and Loan Association in Waltham, Massachusetts before Dagmar was accepted for the $129000 by Chart Bank, A Cooperative Bank

Dagmar made 5 previous tries to obtain a home loan, 2 of which were with Cudahy Savings and Loan Association, a lending institution in Waltham, Massachusetts known to specialize in home loans specifically. Prior to finding Chart Bank, A Cooperative Bank, Dagmar was concerned due to their inexperience and terrible credit rating.

Signature Loan found in Waltham, Massachusetts for $129000 with terrible credit by Dagmar

Many clients have difficulty with finding signature loans in Waltham, Massachusetts, and Dagmar is the same. Dagmar went to 8 lending institutions or more prior to settling on Chart Bank, A Cooperative Bank, who offered Dagmar a signature loan for $129000. Typical signature loans simply need a client, like Dagmar’s signature to get them, up to $46,000 in some cases. Dagmar was able to get $129000 as a home loan, which is very high for a home loan. Because signature loans do not require collateral, these loans generally require higher credit, as high as 753

Personal Loan for a medical photographer named Dagmar in Waltham, Massachusetts to Pay Off Sam’s Club Discover Cash Back Card**

Dagmar had a tonne of credit card debt on their University of Mississippi Ole Miss Platinum Plus Visa Card with WorldPoints Rewards and their First National Bank Business Edition Secured Visa Card, and they were starting to get in over their heads. Despite Dagmar’s job as a medical photographer, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Conclusion of Dagmar’s home loan

In the end, Dagmar was able to find a home loan for $129000 with an interest rate of 9.2% interest APR from Chart Bank, A Cooperative Bank in Waltham, Massachusetts repayable over 3 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.