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Home Loan Of $168000 For Fair Credit Pennsylvania Resident

$168000 Home Loan – Hanover Pennsylvania, Credit Rating Of 590

  • Experian: 603 – This individual had a fair Experian rating
  • Transunion: 577 – Nakisha had a fair credit rating with Transunion.
  • Equifax: Nakisha’s Experian score was 590, which is a fair credit score with the Experian system.

Fast Loans for Nakisha in Hanover, Pennsylvania to prevent bankruptcy or harm from debt collectors.

Fast loans in Hanover, Pennsylvania aren’t actually that difficult to obtain, especially if you have some finesse like Nakisha. Nakisha was able to find a fast loan for $168000 from Dauphin Deposit Bank and Trust Company and SunBank, but declined both offers in favor of their home loan from First Bank of Hanover, Pennsylvania. The improvement 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 debt consolidation loans. Much better if a client is in a time sensitive situation.

Several other requests for credit have been made by Nakisha in the past, including one from Metroplex Federal Savings Association in Hanover, Pennsylvania before Nakisha was approved for the $168000 by First Bank of Hanover, Pennsylvania

Nakisha made 7 prior attempts to obtain a home loan, 2 of which were with Metroplex Federal Savings Association, a lending institution in Hanover, Pennsylvania known to specialize in home loans specifically. Prior to finding First Bank of Hanover, Pennsylvania, Nakisha was desperate due to their inexperience and fair credit score.

When Nakisha was 21, they attempted to obtain a student loan from 7 alternate banks, which damaged their credit score. Below is a chronology of Nakisha’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on May 1, 2011
  • Attempt 2) Loan for $31,000.00 on August 6, 2012
  • Attempt 3) Loan for $27,000.00 on August 6, 2011
  • Attempt 4) Loan for $34,000.00 on September 22, 2009
  • Attempt 5) Loan for $35,000.00 on July 10, 2009
  • Attempt 6) Loan for $27,000.00 on November 12, 2012
  • Attempt 7) Loan for $31,000.00 on May 30, 2011
Client Profile: Nakisha Sommerville of Hanover, Pennsylvania
  • Full name (Changed if requested): Nakisha Sommerville
  • Current Credit: loans.hit.utils.Fico@1ddc4ec2
  • Current City: Hanover
  • State: Pennsylvania
  • Zip code: 17335
  • Yearly income: $55,000
  • Current Job: financial planner
  • Current County: York
  • Goal Yearly Income: $111,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Paraphrased and Standardized Quote from Nakisha for this home loan of $168000, provided by First Bank of Hanover, Pennsylvania

Hi, I am Nakisha and I’m from Hanover in Pennsylvania. York, county is where I grew up, and now I need a home loan in Pennsylvania for $168000 to avoid bankruptcy. It has been difficult, but First Bank of Hanover, Pennsylvania really came through for me with this loan for 6.6% interest APR and a term of 15 years. I can repay the loan over the 15 year term, including interest. A big thanks to First Bank of Hanover, Pennsylvania for trusting me and my fair credit. It look me 8 years to create my credit to 590, and I won’t harm it any future. I’m pleased with Find Texas Loans for helping me this far.

Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans vary from $35,000.00 to $46,000.00. They are typically used to pay off existing high interest loans like credit cards. Nakisha required a debt consolidation loan to pay for their existing home loan and their loan shark loan. Nakisha 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, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.4%.

Previous requests on Nakisha’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$148400.00 4 7.2% $3567.41 The People’s Bank of Oxford August 19, 2010
$148250.00 9 10.6% $2135.64 First Lehigh Bank April 28, 2012
$148350.00 11 6.5% $1576.04 SunBank June 8, 2013
$148270.00 8 6.7% $1999.41 Merchants Bank (North) June 22, 2014
$147900.00 7 6.1% $2167.7 Green Ridge Bank September 26, 2014

Nakisha was declined by Peoples Bank of Nanticoke 6 times prior to being granted funding by First Bank of Hanover, Pennsylvania at 100 Frederick St

On November 11, 2008, Nakisha inquired about borrowing $5,000 from Continental Bank with Josef, their friend from just outside Hanover, and even with the co-signer, Nakisha was rejected for this home loan. With fair credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Installment loan for Nakisha, a graduate of Bemidji State University and a financial planner working for over $79,000 per year

Nakisha, an alumnus at Bemidji State University and a financial planner in Hanover, Pennsylvania needs a home loan to purchase a new cell phone. Nakisha has instead decided to get an installment loan for $27,000 and is at present seeking lenders like Elizabethtown Trust Company to provide it.

Signature Loan acquired in Hanover, Pennsylvania for $168000 with fair credit by Nakisha

Most borrowers struggle with obtaining signature loans in Hanover, Pennsylvania, and Nakisha is the same. Nakisha went to 6 lending institutions or more before finding First Bank of Hanover, Pennsylvania, who offered Nakisha a signature loan for $168000. Most signature loans simply require a client, like Nakisha’s signature to obtain them, up to $31,000 in some cases. Nakisha was able to get $168000 as a home loan, which is very high for a home loan. Because signature loans don’t need a cosigner, these loans generally need better credit, as high as 749

Before applying for this home loan, Nakisha had an Experian score of 603, which is fair, so First Bank of Hanover, Pennsylvania most likely cannot provide Nakisha a home loan

Experian Score: 603

9 Months in the Past, Nakisha Attempted Finding a High Risk Loan for $44,000.00, and it was Hard

There is an well known struggle for clients to find high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Nakisha. Nakisha chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Borrowers with credit scores as low as 381 can apply for a high risk loan and have a chance to be approved.

Nakisha’s Transunion score was altered by the home loan loan, changing to 577 from 590, which is normal in our experience.

Transunion Score: 577

Nakisha has a low current total income, but has a large amount of prospects

Nakisha has always wanted to be a tax lawyer, but would need attend Bemidji State University again to achieve it. Nakisha has other possibilities as well, including radio & tv program director, computer applications engineer, and photo-optics technician, which pay $58,000 through to $104,000 per year, on average. For this reason, we believe that Nakisha can pay for this home loan of $168000.

Nakisha’s Overall FICO score at the time of acceptance for a home loan, taking into account their financial planner job and their future job as a tax lawyer

Fico Score: 590

Personal Loan for a financial planner named Nakisha in Hanover, Pennsylvania to Pay Off Express Next Credit Card

Nakisha had a lot of credit card debt on their Citi Chairman American Express Card and their Lawyers Without Borders Visa Platinum Rewards Card, and they were starting to get in over their heads. Despite Nakisha’s job as a financial planner, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Contact Details for First Bank of Hanover, Pennsylvania, the provider of this home loan

  • First Bank of Hanover, Pennsylvania
  • City: Hanover
  • State: Pennsylvania
  • Address: 100 Frederick St
  • County: York
  • Zip code: 17331

Conclusion of Nakisha’s home loan

In the end, Nakisha was able to find a home loan for $168000 with an interest rate of 11.0% interest APR from First Bank of Hanover, Pennsylvania in Hanover, Pennsylvania repayable over 15 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.