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Home Loan For $123000 Near 19082, Pennsylvania With A Credit Score Of 588

$123000 Home Loan – Upper Darby Pennsylvania, Credit Rating Of 588

  • Experian: 606 – The client had a fair Experian rating
  • Transunion: 571 – Kenya had a fair credit score with Transunion.
  • Equifax: Kenya’s Experian score was 588, which is a fair credit score with the Experian system.

Previous requests on Kenya’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$141490.00 10 6.7% $1621.03 The People’s Bank of Oxford October 12, 2012
$140550.00 3 9.6% $4508.8 First Lehigh Bank November 17, 2012
$141180.00 5 8.2% $2876.15 SunBank June 14, 2013
$141450.00 10 5.1% $1507.22 Merchants Bank (North) April 12, 2014
$141380.00 5 10.1% $3010.87 Green Ridge Bank February 1, 2015
Client Profile: Kenya Yannuzzi of Upper Darby, Pennsylvania
  • Full name (Changed if requested): Kenya Yannuzzi
  • Current Credit: loans.hit.utils.Fico@7cd84586
  • Current City: Upper Darby
  • State: Pennsylvania
  • Zip code: 19089
  • Yearly income: $39,000
  • Current Job: radio & tv program director
  • Current County: Delaware
  • Goal Yearly Income: $149,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Several other requests for credit have been made by Kenya in the past, including one from First Virginia Bank – Commonwealth in Upper Darby, Pennsylvania before Kenya was accepted for the $123000 by Eagle National Bank

Kenya made 6 previous tries to obtain a home loan, 2 of which were with First Virginia Bank – Commonwealth, a lender in Upper Darby, Pennsylvania known to specialize in home loans specifically. Prior to finding Eagle National Bank, Kenya was concerned due to their inexperience and fair credit rating.

Kenya was declined by Bank of Pennsylvania 6 times before being approved by Eagle National Bank at 8045 West Chester Pike

On October 24, 2013, Kenya applied about borrowing $15,000 from Farmers and Merchants Bank of Cherry Tree, Pa. with Tama, their friend from just outside Upper Darby, and even with the co-signer, Kenya was rejected for this home loan. With fair credit, it can be challenging to procure funding, even with collateral and a co-signer.

Personal Loan for a radio & tv program director named Kenya in Upper Darby, Pennsylvania to Pay Off Golden Plains Credit Union Visa Platinum

Kenya had a lot of credit card debt on their Justice FCU Visa Classic Card and their Fulton Bank Cash Rewards American Express Card, and they were starting to get in over their heads. Despite Kenya’s job as a radio & tv program director, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this home loan, Kenya had an Experian score of 606, which is fair, so Eagle National Bank likely cannot provide Kenya a home loan

Experian Score: 606

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

Normal debt consolidation loans range from $25,000.00 to $43,000.00. They are normally used to pay off existing high interest loans like credit cards. Kenya needed a debt consolidation loan to pay for their existing home loan and their payday loan. Kenya was able to find a home loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.0%.

Kenya’s Transunion score was changed by the home loan loan, changing to 571 from 588, which is typical in our experience.

Transunion Score: 571

When Kenya was 19, they tried to obtain a student loan from 6 different lenders, which damaged their credit rating. Below is a list of Kenya’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on August 22, 2013
  • Attempt 2) Loan for $33,000.00 on July 20, 2010
  • Attempt 3) Loan for $22,000.00 on May 18, 2013
  • Attempt 4) Loan for $39,000.00 on April 11, 2013
  • Attempt 5) Loan for $34,000.00 on April 21, 2012
  • Attempt 6) Loan for $31,000.00 on May 11, 2014

6 Months in the Past, Kenya Tried Finding a High Risk Loan for $40,000.00, and it was Easy

There is an existing struggle for borrowers to find 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 Kenya. Kenya decided not to obtain a high risk loan this time. High Risk loans are given to very low credit clients. Borrowers with credit scores as low as 422 can inquire for a high risk loan and may be be approved.

Contact Details for Eagle National Bank, the provider of this home loan

  • Eagle National Bank
  • City: Upper Darby
  • State: Pennsylvania
  • Address: 8045 West Chester Pike
  • County: Delaware
  • Zip code: 19082

Kenya’s Overall FICO score at the time of acceptance for a home loan, taking into account their radio & tv program director job and their future job as a ship master

Fico Score: 588

Signature Loan easily acquired in Upper Darby, Pennsylvania for $123000 with fair credit by Kenya

A lot of borrowers have difficulty with obtaining signature loans in Upper Darby, Pennsylvania, and Kenya is no different. Kenya went to 8 lending institutions or more prior to finding Eagle National Bank, who offered Kenya a signature loan for $123000. Typical signature loans simply need a client, like Kenya’s signature to obtain them, up to $21,000 in some cases. Kenya was able to get $123000 as a home loan, which is very high for a home loan. Because signature loans do not require collateral, they tend to require improved credit, as high as 738

Kenya has a very low current gross income, but has a high number of prospects

Kenya has always wanted to be a ship master, but would need attend Medgar Evers College of the City University of New York again to become one. Kenya has other prospects as well, including animal husbandry worker supervisor, patent agent, and instrument technician, which pay $53,000 through to $90,000 per year, on average. For this reason, we think that Kenya can afford this home loan of $123000.

Installment loan for Kenya, a graduate of Medgar Evers College of the City University of New York and a radio & tv program director working for over $76,000 per year

Kenya, an alumnus at Medgar Evers College of the City University of New York and a radio & tv program director in Upper Darby, Pennsylvania wants a home loan to purchase a new cell phone. Kenya has instead chosen to obtain an installment loan for $6,000 and is currently seeking lenders like PS Bank to process their request.

Fast Loans for Kenya in Upper Darby, Pennsylvania to prevent bankruptcy or harm from debt collectors.

Fast loans in Upper Darby, Pennsylvania aren’t actually that difficult to obtain, especially if you have some gumption like Kenya. Kenya was able to find a fast loan for $123000 from Peoples Bank of Nanticoke and The Fidelity Bank, but turned down both offers in favor of their home loan from Eagle National Bank. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. An improvement in the case that a client is in a time sensitive situation.

Paraphrased and Standardized Quote from Kenya for this home loan of $123000, provided by Eagle National Bank

Hello, I am Kenya and my hometown is Upper Darby in Pennsylvania. Delaware, county is where I grew up, and now I need a home loan in Pennsylvania for $123000 to avoid bankruptcy. It wasn’t easy, but Eagle National Bank really came through for me with this loan for 5.0% interest APR and a term of 22 years. I will repay the loan over the 22 year term, including interest. A big thanks to Eagle National Bank for trusting me and my fair credit. It look me 6 years to create my credit to 588, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.

Conclusion of Kenya’s home loan

In the end, Kenya was able to find a home loan for $123000 with an interest rate of 9.3% interest APR from Eagle National Bank in Upper Darby, Pennsylvania repayable over 22 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.