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Home Loan For $46000 Near 64763, Missouri With A Credit Score Of 732

$46000 Home Loan – Lowry City Missouri, Credit Rating Of 732

  • Experian: 750 – This client had an excellent Experian score
  • Transunion: 715 – Patience had an excellent credit rating with Transunion.
  • Equifax: Patience’s Experian score was 732, which is an excellent credit score on the Experian rating scheme.

6 Months Ago, Patience Attempted to Find a High Risk Loan for $49,000.00, and it was Hard

It is an existing struggle for clients to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Patience. Patience chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Borrowers with credit scores as low as 482 can inquire for a high risk loan and have a chance to be accepted.

Patience was declined by Commerce Bank of Richmond Heights 7 times prior to being granted funding by The Lowry City Bank at 451 East 3rd Street

On February 8, 2009, Patience applied about borrowing $30,000 from Commerce Bank of Mound City with Lavona, their friend from just outside Lowry City, and even with the co-signer, Patience was rejected for this home loan. With excellent credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Patience’s Transunion score was altered by the home loan loan, changing to 715 from 732, which is normal in our experience.

Transunion Score: 715

Installment loan for Patience, a graduate of University of Wisconsin – Madison and a medical records technician working for over $63,000 per year

Patience, an alumnus at University of Wisconsin – Madison and a medical records technician in Lowry City, Missouri wants a home loan to purchase something frivolous. Patience has instead decided to get an installment loan for $9,000 and is currently seeking lenders like Boatmen’s Bank of Southwest Missouri to provide it.

When Patience was 22, they tried to obtain a student loan from 4 alternate lenders, which damaged their credit score. Below is a chronology of Patience’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on February 19, 2011
  • Attempt 2) Loan for $28,000.00 on February 6, 2009
  • Attempt 3) Loan for $31,000.00 on September 22, 2009
  • Attempt 4) Loan for $29,000.00 on July 22, 2009

Previous requests on Patience’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$65840.00 7 10.7% $1116.98 Camden County Bank September 18, 2010
$66190.00 8 7.1% $905.71 Glasgow Savings Bank March 26, 2014
$66300.00 4 9.3% $1659.34 Central Bank April 27, 2015
$65790.00 6 8.1% $1156.73 Midwest BankCentre August 1, 2015
$66140.00 4 6.2% $1559.37 Commerce Bank of Richmond Heights August 6, 2015

Before applying for this home loan, Patience had an Experian score of 750, which is excellent, so The Lowry City Bank most likely cannot provide Patience a home loan

Experian Score: 750

Paraphrased and Standardized Quote from Patience for this home loan of $46000, provided by The Lowry City Bank

Hi, I am Patience and I am from Lowry City in Missouri. St. Clair, county is where I grew up, and now I need a home loan in Missouri for $46000 to renovate my home. It wasn’t easy, but The Lowry City Bank really came through for me with this loan for 6.4% interest APR and a term of 11 years. I will repay the loan over the 11 year term, including interest. A big thanks to The Lowry City Bank for trusting me and my excellent credit. It look me 4 years to create my credit to 732, and I won’t tarnish it any more. I am pleased with Find Texas Loans for assisting me this far.

Patience’s Overall FICO score at the time of acceptance for a home loan, taking into account their medical records technician job and their future career as a customer service supervisor

Fico Score: 732

Client Profile: Patience Gaudin of Lowry City, Missouri
  • Full name (Changed if requested): Patience Gaudin
  • Current Credit: loans.hit.utils.Fico@5e9f23b4
  • Current City: Lowry City
  • State: Missouri
  • Zip code: 64765
  • Yearly income: $62,000
  • Current Job: medical records technician
  • Current County: St. Clair
  • Goal Yearly Income: $141,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

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

Most debt consolidation loans vary from $20,000.00 to $47,000.00. They are normally used to pay off existing high interest loans like credit cards. Patience required a debt consolidation loan to pay for their existing home loan and their loan shark loan. Patience 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 less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.5%.

Signature Loan acquired in Lowry City, Missouri for $46000 with excellent credit by Patience

Many clients struggle with finding signature loans in Lowry City, Missouri, and Patience is not an exception. Patience went to 4 lenders or more prior to settling on The Lowry City Bank, who offered Patience a signature loan for $46000. Typical signature loans simply need a client, like Patience’s signature to get them, up to $20,000 in some cases. Patience was able to get $46000 as a home loan, which is very high for a home loan. Because signature loans do not require a cosigner, these loans generally require higher credit, as high as 744

Several other requests for credit have been made by Patience in the past, including one from The Bank of Chesterfield in Lowry City, Missouri before Patience was approved for the $46000 by The Lowry City Bank

Patience made 4 previous tries to obtain a home loan, 2 of which were with The Bank of Chesterfield, a lending institution in Lowry City, Missouri known to specialize in home loans specifically. Before finding The Lowry City Bank, Patience was concerned due to their inexperience and excellent credit rating.

Personal Loan for a medical records technician named Patience in Lowry City, Missouri to Pay Off Sportsman’s Warehouse Rewards Visa Card

Patience had a tonne of credit card debt on their Abt Electronics Credit Card and their First Internet Bank CONNECT Select, and they were starting to get in over their heads. Despite Patience’s job as a medical records technician, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Fast Loans for Patience in Lowry City, Missouri to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Lowry City, Missouri aren’t actually that difficult to obtain, especially if you have some finesse like Patience. Patience was able to find a fast loan for $46000 from The Baden Bank of St. Louis and Jefferson-Gravois Bank of St. Louis, but declined both offers in favor of their home loan from The Lowry City Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big improvement if you are in a pinch.

Contact Details for The Lowry City Bank, the provider of this home loan

  • The Lowry City Bank
  • City: Lowry City
  • State: Missouri
  • Address: 451 East 3rd Street
  • County: St. Clair
  • Zip code: 64763

Patience has a low current total income, but has several of prospects

Patience has always wanted to be a customer service supervisor, but would have to attend University of Wisconsin – Madison again to become one. Patience has other prospects as well, including physician’s assistant, employment interviewer, and travel writer, which pay $50,000 through to $94,000 per year, at least. For this reason, we believe that Patience can pay for this home loan of $46000.

Conclusion of Patience’s home loan

In the end, Patience was able to find a home loan for $46000 with an interest rate of 11.2% interest APR from The Lowry City Bank in Lowry City, Missouri repayable over 11 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.