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Jeana Needed A Home Loan For $74000, Naples, Florida

$74000 Home Loan – Naples Florida, Credit Score Of 644

  • Experian: 659 – This individual had a good Experian rating
  • Transunion: 632 – Jeana had a good credit score with Transunion.
  • Equifax: Jeana’s Experian score was 644, which is a good credit rating using the Experian system.

Paraphrased and Standardized Quote from Jeana for this home loan of $74000, provided by Shamrock Bank of Florida

Hello, I am Jeana and I’m from Naples in Florida. Collier, county is where I grew up, and now I need a home loan in Florida for $74000 to avoid bankruptcy. It wasn’t easy, but Shamrock Bank of Florida really came through for me with this loan for 6.5% interest APR and a term of 14 years. I can probably repay the loan over the 14 year term, including interest. A big thanks to Shamrock Bank of Florida for giving me a chance and my good credit. It look me 4 years to build my credit to 644, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

Contact Details for Shamrock Bank of Florida, the provider of this home loan

  • Shamrock Bank of Florida
  • City: Naples
  • State: Florida
  • Address: 895 5th Avenue South
  • County: Collier
  • Zip code: 34102
Client Profile: Jeana Sasser of Naples, Florida
  • Full name (Changed if requested): Jeana Sasser
  • Current Credit: loans.hit.utils.Fico@1d56ce6a
  • Current City: Naples
  • State: Florida
  • Zip code: 34104
  • Yearly income: $35,000
  • Current Job: reliability engineer
  • Current County: Collier
  • Goal Yearly Income: $134,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Multiple previous requests for credit have been made by Jeana in the past, including one from River Valley Financial Bank in Naples, Florida before Jeana was accepted for the $74000 by Shamrock Bank of Florida

Jeana made 4 previous tries to obtain a home loan, 2 of which were with River Valley Financial Bank, a lending institution in Naples, Florida known to specialize in home loans specifically. Before finding Shamrock Bank of Florida, Jeana was concerned due to their inexperience and good credit score.

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

Average debt consolidation loans range from $36,000.00 to $43,000.00. They are typically used to pay off existing high interest loans like credit cards. Jeana needed a debt consolidation loan to pay for their existing home loan and their credit card. Jeana was able to find a home loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.1%.

Installment loan for Jeana, a graduate of Northwest Technical College and a reliability engineer working for over $62,000 per year

Jeana, an alumnus at Northwest Technical College and a reliability engineer in Naples, Florida wants a home loan to purchase a house. Jeana has instead decided to get an installment loan for $23,000 and is currently seeking lenders like Southeast National Bank of Bradenton to provide it.

Personal Loan for a reliability engineer named Jeana in Naples, Florida to Pay Off LensCrafters Credit Card

Jeana had a tonne of credit card debt on their Briggs & Stratton Credit Card and their City National Bank Visa Signature Card, and they were starting to get in over their heads. Despite Jeana’s job as a reliability engineer, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Jeana’s Transunion score was changed by the home loan loan, changing to 632 from 644, which is typical in our experience.

Transunion Score: 632

Fast Loans for Jeana in Naples, Florida to prevent bankruptcy or harm from debt collectors.

Fast loans in Naples, Florida aren’t actually that difficult to obtain, particularly if you have some finesse like Jeana. Jeana was able to find a fast loan for $74000 from Barnett Bank of West Florida and NCNB National Bank of Florida, but turned down both offers in favor of their home loan from Shamrock Bank of Florida. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference in the case that a client is on the go.

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

Jeana has always wanted to be a scientific photographer, but would have to attend Northwest Technical College again to achieve it. Jeana has other prospects as well, including forest fire inspector, military officer, and lathe operator, which pay $55,000 through to $108,000 per year, on average. Because of this, we think that Jeana can afford this home loan of $74000.

Jeana’s Overall FICO score at the time of acceptance for a home loan, taking into account their reliability engineer job and their future job as a scientific photographer

Fico Score: 644

Before applying for this home loan, Jeana had an Experian score of 659, which is good, so Shamrock Bank of Florida probably cannot provide Jeana a home loan

Experian Score: 659

8 Months in the Past, Jeana Attempted Finding a High Risk Loan for $22,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Jeana. Jeana chose not to obtain a high risk loan this time. High Risk loans are given to bad credit clients. Clients with credit ratings as low as 315 can apply for a high risk loan and have a chance to be approved.

Jeana was declined by The Perkins State Bank 6 times before being accepted by Shamrock Bank of Florida at 895 5th Avenue South

On March 21, 2010, Jeana inquired about borrowing $44,000 from Century Bank of Orange County with Ludivina, their in law from just outside Naples, and even with the co-signer, Jeana was rejected for this home loan. With good credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Previous requests on Jeana’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$112250.00 9 6.7% $1386.83 NCNB National Bank of Florida February 23, 2009
$112110.00 8 5.3% $1435.37 Southeast Bank of Madison County, National Association February 18, 2013
$112250.00 10 9.8% $1470.99 Southeast Bank of Wildwood November 9, 2013
$112400.00 10 7.2% $1316.67 Atlantic Bank of Jacksonville March 7, 2014
$111700.00 10 9.8% $1463.78 Century National Bank of Broward January 8, 2015

Signature Loan acquired in Naples, Florida for $74000 with good credit by Jeana

A lot of clients struggle with obtaining signature loans in Naples, Florida, and Jeana is no exception. Jeana went to 4 lenders or more before settling on Shamrock Bank of Florida, who offered Jeana a signature loan for $74000. Typical signature loans simply need a client, like Jeana’s signature to get them, up to $21,000 in some cases. Jeana was able to get $74000 as a home loan, which is very high for a home loan. Since signature loans do not need collateral, they tend to require better credit, as high as 799

When Jeana was 22, they tried to obtain a student loan from 6 alternate banks, which harmed their credit rating. Below is a chronology of Jeana’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on May 1, 2010
  • Attempt 2) Loan for $39,000.00 on October 17, 2009
  • Attempt 3) Loan for $39,000.00 on March 6, 2011
  • Attempt 4) Loan for $29,000.00 on June 5, 2011
  • Attempt 5) Loan for $33,000.00 on June 22, 2010
  • Attempt 6) Loan for $34,000.00 on October 7, 2009

Conclusion of Jeana’s home loan

In the end, Jeana was able to find a home loan for $74000 with an interest rate of 8.2% interest APR from Shamrock Bank of Florida in Naples, Florida repayable over 14 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.