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Home Loan With Reasonable APR In Rensselaer County, New York

$6000 Home Loan – Troy New York, Credit Rating Of 774

  • Experian: 790 – This individual had an excellent Experian score
  • Transunion: 759 – Madeleine had an excellent credit rating with Transunion.
  • Equifax: Madeleine’s Experian score was 774, which is an excellent credit score with the Experian rating scheme.

Madeleine’s Transunion score was changed by the home loan loan, changing to 759 from 774, which is typical in our experience.

Transunion Score: 759

Fast Loans for Madeleine in Troy, New York to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Troy, New York aren’t actually that difficult to obtain, particularly if you have some finesse like Madeleine. Madeleine was able to find a fast loan for $6000 from Key Bank and Trade Bank and Trust Company, but turned down both offers in favor of their home loan from Marine Midland Bank – Eastern, National Association. 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 installment loans. A big improvement in the case that a borrower is in a time sensitive situation.

Previous requests on Madeleine’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$24590.00 4 5.4% $570.76 Bankers Trust Company of Albany, National Association December 15, 2013
$24600.00 11 5.4% $247.57 Montgomery County Trust Company December 20, 2013
$24570.00 10 11.3% $342.64 Bank of Avoca September 2, 2014
$25140.00 4 5.8% $588.11 The State Bank of Belmont April 3, 2015
$25260.00 9 11.5% $376.47 Fleet Bank of New York, National Association July 29, 2015

When Madeleine was 24, they attempted to obtain a student loan from 4 different banks, which harmed their credit score. Below is a list of Madeleine’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on July 31, 2009
  • Attempt 2) Loan for $32,000.00 on September 21, 2010
  • Attempt 3) Loan for $31,000.00 on September 14, 2010
  • Attempt 4) Loan for $34,000.00 on May 2, 2009
Client Profile: Madeleine Preston of Troy, New York
  • Full name (Changed if requested): Madeleine Preston
  • Current Credit: loans.hit.utils.Fico@685f4c2e
  • Current City: Troy
  • State: New York
  • Zip code: 12183
  • Yearly income: $37,000
  • Current Job: caption writer
  • Current County: Rensselaer
  • Goal Yearly Income: $128,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $22,000.00 to $54,000.00. They are typically used to pay off existing high interest loans like credit cards. Madeleine needed a debt consolidation loan to pay for their existing home loan and their loan shark loan. Madeleine was able to find a home loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which transfers your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.8%.

7 Months in the Past, Madeleine Attempted Finding a High Risk Loan for $41,000.00, and it was Easy

It is an existing struggle for clients to get high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Madeleine. Madeleine chose not to get a high risk loan this time. High Risk loans are given to very low credit individuals. Borrowers with credit ratings as low as 504 can apply for a high risk loan and may be be approved.

Contact Details for Marine Midland Bank – Eastern, National Association, the provider of this home loan

  • Marine Midland Bank – Eastern, National Association
  • City: Troy
  • State: New York
  • Address: Fourth And Grand Streets
  • County: Rensselaer
  • Zip code: 12181

Signature Loan acquired in Troy, New York for $6000 with excellent credit by Madeleine

A lot of borrowers have difficulty with finding signature loans in Troy, New York, and Madeleine is no exception. Madeleine went to 6 lending institutions or more prior to finding Marine Midland Bank – Eastern, National Association, who offered Madeleine a signature loan for $6000. Most signature loans simply need a client, like Madeleine’s signature to obtain them, up to $22,000 in some cases. Madeleine was able to get $6000 as a home loan, which is very high for a home loan. Because signature loans do not need a cosigner, they generally require higher credit, as high as 780

Madeleine has a disappointing current yearly income, but has several of prospects

Madeleine has always wanted to be an educational psychologist, but would need attend Westmoreland County Community College again to become one. Madeleine has other possibilities as well, including meter mechanic, airline flight control administrator, and set illustrator, which pay $50,000 through to $97,000 per year, at least. Because of this, we believe that Madeleine can afford this home loan of $6000.

Installment loan for Madeleine, a graduate of Westmoreland County Community College and a caption writer working for over $73,000 per year

Madeleine, an alumnus at Westmoreland County Community College and a caption writer in Troy, New York wants a home loan to purchase a new cell phone. Madeleine has instead chosen to obtain an installment loan for $29,000 and is currently seeking lenders like United States Trust Company of New York to provide it.

Several past requests for credit have been made by Madeleine in the past, including one from Cook County State Bank in Troy, New York before Madeleine was accepted for the $6000 by Marine Midland Bank – Eastern, National Association

Madeleine made 7 prior attempts to obtain a home loan, 2 of which were with Cook County State Bank, a lending institution in Troy, New York known to specialize in home loans specifically. Before finding Marine Midland Bank – Eastern, National Association, Madeleine was concerned due to their inexperience and excellent credit score.

Before applying for this home loan, Madeleine had an Experian score of 790, which is excellent, so Marine Midland Bank – Eastern, National Association probably can provide Madeleine a home loan

Experian Score: 790

Personal Loan for a caption writer named Madeleine in Troy, New York to Pay Off Ohio Savings Bank Platinum Edition Visa Card

Madeleine had a lot of credit card debt on their Quantas and their SECU Credit Union Visa Cards, and they were starting to get in over their heads. Despite Madeleine’s job as a caption writer, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Madeleine was not approved by Key Bank 5 times prior to being accepted by Marine Midland Bank – Eastern, National Association at Fourth And Grand Streets

On April 25, 2013, Madeleine applied about borrowing $41,000 from Manufacturers Hanover Trust Company with Luanne, their friend from just outside Troy, and even with the co-signer, Madeleine was rejected for this home loan. With excellent credit, it can be very hard to procure funding, even with collateral and a co-signer.

Madeleine’s Overall FICO score at the time of acceptance for a home loan, taking into account their caption writer job and their future career as an educational psychologist

Fico Score: 774

Paraphrased and Standardized Quote from Madeleine for this home loan of $6000, provided by Marine Midland Bank – Eastern, National Association

Hi, I am Madeleine and I am from Troy in New York. Rensselaer, county is where I grew up, and now I need a home loan in New York for $6000 to avoid bankruptcy. It wasn’t easy, but Marine Midland Bank – Eastern, National Association really came through for me with this loan for 5.5% interest APR and a term of 12 years. I can probably repay the loan over the 12 year term, including interest. A big thanks to Marine Midland Bank – Eastern, National Association for giving me a chance and my excellent credit. It look me 4 years to build my credit to 774, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.

Conclusion of Madeleine’s home loan

In the end, Madeleine was able to find a home loan for $6000 with an interest rate of 10.5% interest APR from Marine Midland Bank – Eastern, National Association in Troy, New York repayable over 12 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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