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Home Loan Of $84000 For Excellent Credit Tennessee Resident

$84000 Home Loan – Linden Tennessee, Credit Score Of 838

  • Experian: 849 – The client had an excellent Experian score
  • Transunion: 823 – Yan had an excellent credit score with Transunion.
  • Equifax: Yan’s Experian score was 838, which is an excellent credit rating using the Experian system.

Yan has a disappointing current total income, but has several of prospects

Yan has always wanted to be a clinical sociologist, but would need attend Ferris State University again to become one. Yan has other possibilities as well, including hospital administrator, delivery driver, and petroleum geologist, which pay $51,000 through to $90,000 per year, on average. Because of this, we think that Yan can afford this home loan of $84000.

Personal Loan for a quality control engineer named Yan in Linden, Tennessee to Pay Off Orvis Rewards Visa

Yan had a lot of credit card debt on their Navy Federal Credit Union Platinum MasterCard and their Good Sam Club Visa Signature card with REC REWARDS, and they were starting to get in over their heads. Despite Yan’s job as a quality control engineer, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Fast Loans for Yan in Linden, Tennessee to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Linden, Tennessee aren’t actually that difficult to obtain, especially if you have some gumption like Yan. Yan was able to find a fast loan for $84000 from Cleveland Bank and Trust Company and SunTrust Bank, Chattanooga, National Association, but turned down both offers in favor of their home loan from First State Bank. The difference with a fast loan over a installment 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 you are in a pinch.

Paraphrased and Standardized Quote from Yan for this home loan of $84000, provided by First State Bank

Hi, I am Yan and my hometown is Linden in Tennessee. Perry, county is where I grew up, and now I need a home loan in Tennessee for $84000 to avoid bankruptcy. It has been difficult, but First State Bank really came through for me with this loan for 7.8% interest APR and a term of 7 years. I can probably repay the loan over the 7 year term, including interest. A big thanks to First State Bank for trusting me and my excellent credit. It look me 8 years to build my credit to 838, and I won’t tarnish it any future. I am pleased with Find Texas Loans for assisting me this far.

Signature Loan acquired in Linden, Tennessee for $84000 with excellent credit by Yan

Most borrowers have difficulty with obtaining signature loans in Linden, Tennessee, and Yan is the same. Yan went to 7 lenders or more prior to settling on First State Bank, who offered Yan a signature loan for $84000. Most signature loans simply need a client, like Yan’s signature to obtain them, up to $47,000 in some cases. Yan was able to get $84000 as a home loan, which is very high for a home loan. Because signature loans do not require collateral, they tend to need higher credit, as high as 756

Previous requests on Yan’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$90210.00 6 5.6% $1478.07 Citizens Bank December 30, 2012
$89650.00 4 8.5% $2209.72 SunTrust Bank, Chattanooga, National Association December 19, 2013
$89520.00 5 5.5% $1709.94 GreenBank October 11, 2014
$90120.00 3 5.2% $2709.08 CommunityFIRST Bank November 29, 2014

Before applying for this home loan, Yan had an Experian score of 849, which is excellent, so First State Bank likely cannot provide Yan a home loan

Experian Score: 849

Yan’s Overall FICO score at the time of acceptance for a home loan, taking into account their quality control engineer job and their future career as a clinical sociologist

Fico Score: 838

Yan was not approved by Bank of Trenton and Trust Company 5 times prior to being accepted by First State Bank at Main Street

On February 12, 2010, Yan applied about borrowing $33,000 from Citizens Bank with Sharice, their friend from just outside Linden, and even with the co-signer, Yan was rejected for this home loan. With excellent credit, it can be difficult to procure funding, even with collateral and a co-signer.

Client Profile: Yan Kasky of Linden, Tennessee
  • Full name (Changed if requested): Yan Kasky
  • Current Credit: loans.hit.utils.Fico@6193b845
  • Current City: Linden
  • State: Tennessee
  • Zip code: 37102
  • Yearly income: $49,000
  • Current Job: quality control engineer
  • Current County: Perry
  • Goal Yearly Income: $145,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans vary from $38,000.00 to $42,000.00. They are typically used to pay off existing high interest loans like credit cards. Yan required a debt consolidation loan to pay for their existing home loan and their payday loan. Yan was able to find a home loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 3.2%.

Installment loan for Yan, a graduate of Ferris State University and a quality control engineer working for over $63,000 per year

Yan, an alumnus at Ferris State University and a quality control engineer in Linden, Tennessee wants a home loan to purchase a car. Yan has instead chosen to obtain an installment loan for $7,000 and is currently seeking lenders like Citizens Bank of Monroe County to process their request.

Yan’s Transunion score was changed by the home loan loan, changing to 823 from 838, which is normal in our experience.

Transunion Score: 823

Many past requests for credit have been made by Yan in the past, including one from The Gerber State Bank in Linden, Tennessee before Yan was accepted for the $84000 by First State Bank

Yan made 4 previous attempts to obtain a home loan, 2 of which were with The Gerber State Bank, a bank in Linden, Tennessee known to specialize in home loans specifically. Before finding First State Bank, Yan was very concerned due to their inexperience and excellent credit score.

6 Months in the Past, Yan Attempted Finding a High Risk Loan for $20,000.00, and it was Hard

There is an well known struggle for borrowers to get high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Yan. Yan chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Clients with credit scores as low as 515 can apply for a high risk loan and have a chance to be accepted.

When Yan was 24, they attempted to obtain a student loan from 4 alternate banks, which harmed their credit rating. Below is a chronology of Yan’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $30,000.00 on August 16, 2013
  • Attempt 2) Loan for $27,000.00 on May 4, 2013
  • Attempt 3) Loan for $32,000.00 on October 6, 2012
  • Attempt 4) Loan for $27,000.00 on September 14, 2010

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

  • First State Bank
  • City: Linden
  • State: Tennessee
  • Address: Main Street
  • County: Perry
  • Zip code: 37096

Conclusion of Yan’s home loan

In the end, Yan was able to find a home loan for $84000 with an interest rate of 5.7% interest APR from First State Bank in Linden, Tennessee repayable over 7 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.