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Home Loan For $14000 Near 25177, West Virginia With A Credit Score Of 360

$14000 Home Loan – St. Albans West Virginia, Credit Rating Of 360

  • Experian: 376 – The client had a terrible Experian rating
  • Transunion: 345 – Antwan had a terrible credit score with Transunion.
  • Equifax: Antwan’s Experian score was 360, which is a terrible credit score with the Experian system.

Antwan was rejected by F & M Bank-Keyser, Inc. 6 times prior to being approved by Bank One, West Virginia, St. Albans, National Association at 603-613 Maccorkle Avenue

On December 25, 2011, Antwan inquired about borrowing $7,000 from Bank of Mount Hope with Renae, their in law from just outside St. Albans, and even with the co-signer, Antwan was rejected for this home loan. With terrible credit, it can be difficult to procure financing, even with collateral and a co-signer.

Previous requests on Antwan’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$129400.00 6 6.7% $2187.55 Wesbanco Bank Sistersville March 24, 2013
$128900.00 9 10.7% $1863.96 Wesbanco Bank, Inc. March 21, 2014
$128770.00 8 9.5% $1920.07 Peoples State Bank, National Association January 12, 2015
$129490.00 5 8.1% $2631.79 Kanawha Banking & Trust Company National Association April 13, 2015
$129360.00 7 6.5% $1920.92 One Valley Bank, National Association May 23, 2015

Many past requests for credit have been made by Antwan in the past, including one from Wells Fargo Bank Arizona, National Association in St. Albans, West Virginia before Antwan was approved for the $14000 by Bank One, West Virginia, St. Albans, National Association

Antwan made 4 prior attempts to obtain a home loan, 2 of which were with Wells Fargo Bank Arizona, National Association, a lending institution in St. Albans, West Virginia known to specialize in home loans specifically. Before finding Bank One, West Virginia, St. Albans, National Association, Antwan was very concerned due to their inexperience and terrible credit rating.

Signature Loan acquired in St. Albans, West Virginia for $14000 with terrible credit by Antwan

A lot of clients struggle with finding signature loans in St. Albans, West Virginia, and Antwan is not an exception. Antwan went to 4 lending institutions or more prior to settling on Bank One, West Virginia, St. Albans, National Association, who offered Antwan a signature loan for $14000. Typical signature loans simply need a client, like Antwan’s signature to obtain them, up to $28,000 in some cases. Antwan was able to get $14000 as a home loan, which is very high for a home loan. Since signature loans do not require collateral, these loans generally require improved credit, as high as 720

Before applying for this home loan, Antwan had an Experian score of 376, which is terrible, so Bank One, West Virginia, St. Albans, National Association likely cannot provide Antwan a home loan

Experian Score: 376

Installment loan for Antwan, a graduate of LIC/LISMA Language Center Palisades Park and an environmental planner working for over $72,000 per year

Antwan, an alumnus at LIC/LISMA Language Center Palisades Park and an environmental planner in St. Albans, West Virginia needs a home loan to purchase a house. Antwan has instead chosen to get an installment loan for $7,000 and is at present seeking lenders like One Valley Bank of Oak Hill, Inc. to provide it.

Paraphrased and Standardized Quote from Antwan for this home loan of $14000, provided by Bank One, West Virginia, St. Albans, National Association

Hello, I am Antwan and I am from St. Albans in West Virginia. Kanawha, county is where I grew up, and now I need a home loan in West Virginia for $14000 to buy a big ticket item. It has been difficult, but Bank One, West Virginia, St. Albans, National Association really came through for me with this loan for 9.4% interest APR and a term of 10 years. I can repay the loan over the 10 year term, including interest. A big thanks to Bank One, West Virginia, St. Albans, National Association for trusting me and my terrible credit. It look me 6 years to build my credit to 360, and I won’t harm it any future. I am pleased with Find Texas Loans for helping me this far.

Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $21,000.00 to $54,000.00. They are normally used to pay off existing high interest loans like credit cards. Antwan required a debt consolidation loan to pay for their existing home loan and their loan shark loan. Antwan 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 dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.7%.

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

Antwan has always wanted to be a logging tractor operator, but would need attend LIC/LISMA Language Center Palisades Park again to achieve it. Antwan has other prospects as well, including crossing guard, benefits manager, and radio & tv news commentator, which pay $57,000 through to $100,000 per year, on average. Because of this, we believe that Antwan can afford this home loan of $14000.

Contact Details for Bank One, West Virginia, St. Albans, National Association, the provider of this home loan

  • Bank One, West Virginia, St. Albans, National Association
  • City: St. Albans
  • State: West Virginia
  • Address: 603-613 Maccorkle Avenue
  • County: Kanawha
  • Zip code: 25177

Antwan’s Transunion score was changed by the home loan loan, changing to 345 from 360, which is normal in our experience.

Transunion Score: 345

Fast Loans for Antwan in St. Albans, West Virginia to prevent bankruptcy or broken legs from debt collectors.

Fast loans in St. Albans, West Virginia aren’t actually that difficult to obtain, especially if you have some finesse like Antwan. Antwan was able to find a fast loan for $14000 from Clay County Bank, Inc. and Wesbanco Bank Sistersville, but turned down both offers in favor of their home loan from Bank One, West Virginia, St. Albans, National 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 7 weeks for installment loans. Much better in the case that a borrower is in a pinch.

Personal Loan for an environmental planner named Antwan in St. Albans, West Virginia to Pay Off Justice Credit Card

Antwan had a lot of credit card debt on their University of Pennsylvania and their Payoneer CashLynk Prepaid MasterCard, and they were starting to get in over their heads. Despite Antwan’s job as an environmental planner, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Client Profile: Antwan Tregan of St. Albans, West Virginia
  • Full name (Changed if requested): Antwan Tregan
  • Current Credit: loans.hit.utils.Fico@7a07c5b4
  • Current City: St. Albans
  • State: West Virginia
  • Zip code: 25178
  • Yearly income: $53,000
  • Current Job: environmental planner
  • Current County: Kanawha
  • Goal Yearly Income: $137,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

9 Months Ago, Antwan Tried to Find a High Risk Loan for $38,000.00, and it was Hard

It is an well known struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Antwan. Antwan chose not to obtain a high risk loan this time. High Risk loans are given to bad credit clients. Borrowers with credit scores as low as 348 can inquire for a high risk loan and may be be approved.

Antwan’s Overall FICO score at the time of acceptance for a home loan, taking into account their environmental planner job and their future job as a logging tractor operator

Fico Score: 360

When Antwan was 19, they tried to obtain a student loan from 7 alternate banks, which damaged their credit score. Below is a list of Antwan’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on October 1, 2011
  • Attempt 2) Loan for $36,000.00 on October 22, 2011
  • Attempt 3) Loan for $33,000.00 on December 11, 2010
  • Attempt 4) Loan for $26,000.00 on July 2, 2011
  • Attempt 5) Loan for $39,000.00 on September 17, 2011
  • Attempt 6) Loan for $37,000.00 on August 29, 2009
  • Attempt 7) Loan for $21,000.00 on September 20, 2010

Conclusion of Antwan’s home loan

In the end, Antwan was able to find a home loan for $14000 with an interest rate of 10.8% interest APR from Bank One, West Virginia, St. Albans, National Association in St. Albans, West Virginia repayable over 10 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.