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Low Rate Mortgage For Laurence In Delray Beach, Florida

$33000 Mortgage – Delray Beach Florida, Credit Rating Of 715

  • Experian: 728 – This individual had a good Experian rating
  • Transunion: 697 – Laurence had a good credit rating with Transunion.
  • Equifax: Laurence’s Experian score was 715, which is a good credit rating with the Experian rating scheme.

Laurence’s Overall FICO score at the time of acceptance for a mortgage, taking into account their industrial-organizational psychologist job and their future job as a travel counselor

Fico Score: 715

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans range from $24,000.00 to $49,000.00. They are typically used to pay off existing high interest loans like credit cards. Laurence needed a debt consolidation loan to pay for their existing mortgage and their credit card. Laurence was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.6%.

Laurence was declined by Barnett Bank of Putnam County 7 times before being approved by Financial Security Savings and Loan Association at 7239 West Atlantic Avenue

On June 28, 2010, Laurence applied about borrowing $27,000 from SunTrust Bank, Tampa Bay with Violeta, their friend from just outside Delray Beach, and even with the co-signer, Laurence was rejected for this mortgage. With good credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Client Profile: Laurence Walman of Delray Beach, Florida
  • Full name (Changed if requested): Laurence Walman
  • Current Credit: loans.hit.utils.Fico@6576fe71
  • Current City: Delray Beach
  • State: Florida
  • Zip code: 33449
  • Yearly income: $52,000
  • Current Job: industrial-organizational psychologist
  • Current County: Palm Beach
  • Goal Yearly Income: $83,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

When Laurence was 21, they tried to obtain a student loan from 6 alternate lenders, which damaged their credit rating. Below is a chronology of Laurence’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on January 5, 2014
  • Attempt 2) Loan for $34,000.00 on February 25, 2013
  • Attempt 3) Loan for $20,000.00 on April 29, 2010
  • Attempt 4) Loan for $23,000.00 on October 8, 2012
  • Attempt 5) Loan for $36,000.00 on January 13, 2010
  • Attempt 6) Loan for $28,000.00 on October 31, 2010

Laurence’s Transunion score was altered by the mortgage loan, changing to 697 from 715, which is normal in our experience.

Transunion Score: 697

Personal Loan for an industrial-organizational psychologist named Laurence in Delray Beach, Florida to Pay Off Walmart Discover Card**

Laurence had a tonne of credit card debt on their Toyota Rewards Visa Platinum and their Walmart Community Card, and they were starting to get in over their heads. Despite Laurence’s job as an industrial-organizational psychologist, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Laurence’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$71120.00 3 5.1% $2134.72 NCNB National Bank of Florida February 26, 2012
$71250.00 6 10.4% $1334.38 Southeast Bank of Madison County, National Association June 14, 2012
$71400.00 7 6.1% $1046.48 Southeast Bank of Wildwood April 22, 2014
$71240.00 5 11.8% $1577.5 Atlantic Bank of Jacksonville September 13, 2014

Multiple previous requests for credit have been made by Laurence in the past, including one from Plano National Bank in Delray Beach, Florida before Laurence was approved for the $33000 by Financial Security Savings and Loan Association

Laurence made 5 previous attempts to obtain a mortgage, 2 of which were with Plano National Bank, a lender in Delray Beach, Florida known to specialize in mortgages specifically. Prior to finding Financial Security Savings and Loan Association, Laurence was desperate due to their inexperience and good credit score.

Signature Loan found in Delray Beach, Florida for $33000 with good credit by Laurence

A lot of clients have difficulty with finding signature loans in Delray Beach, Florida, and Laurence is no exception. Laurence went to 5 lenders or more prior to settling on Financial Security Savings and Loan Association, who offered Laurence a signature loan for $33000. Most signature loans simply need a client, like Laurence’s signature to obtain them, up to $47,000 in some cases. Laurence was able to get $33000 as a mortgage, which is very high for a mortgage. Because signature loans don’t require a cosigner, these loans generally require better credit, as high as 761

Fast Loans for Laurence in Delray Beach, Florida to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Delray Beach, Florida aren’t actually that difficult to obtain, especially if you have some finesse like Laurence. Laurence was able to find a fast loan for $33000 from First Bank of Crestview and Southeast National Bank of Bradenton, but declined both offers in favor of their mortgage from Financial Security Savings and Loan Association. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big improvement in the case that a client is in a pinch.

Paraphrased and Standardized Quote from Laurence for this mortgage of $33000, provided by Financial Security Savings and Loan Association

Hello, I am Laurence and I’m from Delray Beach in Florida. Palm Beach, county is where I grew up, and now I need a mortgage in Florida for $33000 to pay bills. It wasn’t easy, but Financial Security Savings and Loan Association really came through for me with this loan for 10.0% interest APR and a term of 2 years. I can probably repay the loan over the 2 year term, including interest. A big thanks to Financial Security Savings and Loan Association for giving me a chance and my good credit. It look me 8 years to create my credit to 715, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

Contact Details for Financial Security Savings and Loan Association, the provider of this mortgage

  • Financial Security Savings and Loan Association
  • City: Delray Beach
  • State: Florida
  • Address: 7239 West Atlantic Avenue
  • County: Palm Beach
  • Zip code: 33446

Laurence has a sad current total income, but has several of prospects

Laurence has always wanted to be a travel counselor, but would need attend Ashland University again to become one. Laurence has other prospects as well, including fund raiser, commercial designer, and catering administrator, which pay $52,000 through to $97,000 per year, at least. For this reason, we believe that Laurence can pay for this mortgage of $33000.

Before applying for this mortgage, Laurence had an Experian score of 728, which is good, so Financial Security Savings and Loan Association likely cannot provide Laurence a mortgage

Experian Score: 728

Installment loan for Laurence, a graduate of Ashland University and an industrial-organizational psychologist working for over $70,000 per year

Laurence, an alumnus at Ashland University and an industrial-organizational psychologist in Delray Beach, Florida wants a mortgage to purchase a car. Laurence has instead chosen to obtain an installment loan for $27,000 and is currently seeking lenders like NCNB National Bank of Florida to provide it.

8 Months in the Past, Laurence Attempted Finding a High Risk Loan for $26,000.00, but They Didn’t Find What They were Expecting

There is an existing struggle for clients to get high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Laurence. Laurence decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Individuals with credit scores as low as 303 can apply for a high risk loan and have a chance to be approved.

Conclusion of Laurence’s mortgage

In the end, Laurence was able to find a mortgage for $33000 with an interest rate of 8.0% interest APR from Financial Security Savings and Loan Association in Delray Beach, Florida repayable over 2 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.