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Home Loan With Reasonable APR In Marshall County, Tennessee

$184000 Home Loan – Lewisburg Tennessee, Credit Score Of 826

  • Experian: 845 – They had an excellent Experian rating
  • Transunion: 811 – Dannielle had an excellent credit rating with Transunion.
  • Equifax: Dannielle’s Experian score was 826, which is an excellent credit rating using the Experian system.

When Dannielle was 18, they tried to obtain a student loan from 4 different lenders, which harmed their credit score. Below is a chronology of Dannielle’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on May 2, 2013
  • Attempt 2) Loan for $20,000.00 on May 22, 2012
  • Attempt 3) Loan for $24,000.00 on July 21, 2009
  • Attempt 4) Loan for $39,000.00 on August 29, 2010
Client Profile: Dannielle Fisher of Lewisburg, Tennessee
  • Full name (Changed if requested): Dannielle Fisher
  • Current Credit: loans.hit.utils.Fico@4d405ef7
  • Current City: Lewisburg
  • State: Tennessee
  • Zip code: 37096
  • Yearly income: $35,000
  • Current Job: die cutter operator
  • Current County: Marshall
  • Goal Yearly Income: $87,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Dannielle’s Overall FICO score at the time of acceptance for a home loan, taking into account their die cutter operator job and their future job as a customer service representative

Fico Score: 826

Previous requests on Dannielle’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$123120.00 6 6.5% $2069.64 Citizens Bank June 30, 2009
$122560.00 8 7.3% $1689.3 SunTrust Bank, Chattanooga, National Association May 15, 2010
$122600.00 9 7.7% $1577.09 GreenBank April 3, 2011
$123330.00 9 9.6% $1709.72 CommunityFIRST Bank July 10, 2013

Multiple past requests for credit have been made by Dannielle in the past, including one from Irwin Union Bank and Trust Company in Lewisburg, Tennessee before Dannielle was accepted for the $184000 by Peoples and Union Bank

Dannielle made 8 prior attempts to obtain a home loan, 2 of which were with Irwin Union Bank and Trust Company, a lending institution in Lewisburg, Tennessee known to specialize in home loans specifically. Before finding Peoples and Union Bank, Dannielle was concerned due to their inexperience and excellent credit rating.

9 Months Ago, Dannielle Attempted to Find a High Risk Loan for $46,000.00, and it was Hard

There is an existing struggle for clients to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Dannielle. Dannielle 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 individuals. Individuals with credit scores as low as 327 can apply for a high risk loan and possibly can be accepted.

Installment loan for Dannielle, a graduate of Connecticut Training Centers Inc and a die cutter operator working for over $61,000 per year

Dannielle, an alumnus at Connecticut Training Centers Inc and a die cutter operator in Lewisburg, Tennessee wants a home loan to purchase a house. Dannielle has instead chosen to obtain an installment loan for $28,000 and is currently seeking lenders like Cleveland Bank and Trust Company to process their request.

Personal Loan for a die cutter operator named Dannielle in Lewisburg, Tennessee to Pay Off Executive Women’s Golf Association

Dannielle had a tonne of credit card debt on their M&T Visa Credit Card with Rewards and their Bass Pro Shops Outdoor Rewards Platinum Plus Visa Credit Card, and they were starting to get in over their heads. Despite Dannielle’s job as a die cutter operator, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Signature Loan easily acquired in Lewisburg, Tennessee for $184000 with excellent credit by Dannielle

Many prospective borrowers struggle with finding signature loans in Lewisburg, Tennessee, and Dannielle is no exception. Dannielle went to 4 lenders or more prior to settling on Peoples and Union Bank, who offered Dannielle a signature loan for $184000. Most signature loans simply require a client, like Dannielle’s signature to get them, up to $38,000 in some cases. Dannielle was able to get $184000 as a home loan, which is very high for a home loan. Since signature loans don’t require a cosigner, these loans tend to require higher credit, as high as 714

Paraphrased and Standardized Quote from Dannielle for this home loan of $184000, provided by Peoples and Union Bank

Hello, I am Dannielle and I’m from Lewisburg in Tennessee. Marshall, county is where I grew up, and now I need a home loan in Tennessee for $184000 to buy a big ticket item. It wasn’t easy, but Peoples and Union Bank really came through for me with this loan for 10.0% interest APR and a term of 1 years. I can probably repay the loan over the 1 year term, including interest. A big thanks to Peoples and Union Bank for giving me a chance and my excellent credit. It look me 9 years to build my credit to 826, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Dannielle has a sad current gross income, but has a large amount of prospects

Dannielle has always wanted to be a customer service representative, but would need attend Connecticut Training Centers Inc again to become one. Dannielle has other possibilities as well, including elementary school teacher, radio & tv talk show host, and facilities planner, which pay $54,000 through to $99,000 per year, on average. Because of this, we think that Dannielle can pay for this home loan of $184000.

Before applying for this home loan, Dannielle had an Experian score of 845, which is excellent, so Peoples and Union Bank probably cannot provide Dannielle a home loan

Experian Score: 845

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

Most debt consolidation loans range from $27,000.00 to $45,000.00. They are typically used to pay off existing high interest loans like credit cards. Dannielle needed a debt consolidation loan to pay for their existing home loan and their credit card. Dannielle was able to find a home loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.8%.

Contact Details for Peoples and Union Bank, the provider of this home loan

  • Peoples and Union Bank
  • City: Lewisburg
  • State: Tennessee
  • Address: 260 North Ellington Parkway
  • County: Marshall
  • Zip code: 37091

Dannielle was not approved by Bells Banking Company 7 times prior to being granted funding by Peoples and Union Bank at 260 North Ellington Parkway

On May 19, 2010, Dannielle applied about borrowing $33,000 from Smith County Bank with Horace, their in law from just outside Lewisburg, and even with the co-signer, Dannielle was rejected for this home loan. With excellent credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

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

Fast loans in Lewisburg, Tennessee aren’t actually that difficult to obtain, particularly if you have some finesse like Dannielle. Dannielle was able to find a fast loan for $184000 from Citizens Bank and Bank of Belfast, but declined both offers in favor of their home loan from Peoples and Union Bank. 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. An improvement if you are in a pinch.

Dannielle’s Transunion score was altered by the home loan loan, changing to 811 from 826, which is typical in our experience.

Transunion Score: 811

Conclusion of Dannielle’s home loan

In the end, Dannielle was able to find a home loan for $184000 with an interest rate of 9.0% interest APR from Peoples and Union Bank in Lewisburg, Tennessee repayable over 1 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.