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Low Rate Mortgage For Nickie In St. Louis, Missouri

$45000 Mortgage – St. Louis Missouri, Credit Score Of 396

  • Experian: 412 – The client had a terrible Experian score
  • Transunion: 378 – Nickie had a terrible credit score with Transunion.
  • Equifax: Nickie’s Experian score was 396, which is a terrible credit score on the Experian scale.

Paraphrased and Standardized Quote from Nickie for this mortgage of $45000, provided by Lindell Bank & Trust Company

Hi, I am Nickie and I am from St. Louis in Missouri. Saint Louis (City), county is where I grew up, and now I need a mortgage in Missouri for $45000 to buy a car. It has been difficult, but Lindell Bank & Trust Company really came through for me with this loan for 6.1% interest APR and a term of 21 years. I can probably repay the loan over the 21 year term, including interest. A big thanks to Lindell Bank & Trust Company for giving me a chance and my terrible credit. It look me 8 years to build my credit to 396, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

Personal Loan for a structural drafter named Nickie in St. Louis, Missouri to Pay Off SunTrust Secured Credit Card with Cash Rewards

Nickie had a lot of credit card debt on their Steuben Trust Cash Rewards American Express Card and their Norwegian Cruise Line World MasterCard Credit Card, and they were starting to get in over their heads. Despite Nickie’s job as a structural drafter, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans vary from $39,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Nickie needed a debt consolidation loan to pay for their existing mortgage and their credit card. Nickie 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, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.1%.

Fast Loans for Nickie in St. Louis, Missouri to prevent bankruptcy or broken legs from debt collectors.

Fast loans in St. Louis, Missouri aren’t actually that difficult to obtain, particularly if you have some gumption like Nickie. Nickie was able to find a fast loan for $45000 from Wood & Huston Bank and Commerce Bank of St. Louis, National Association, but turned down both offers in favor of their mortgage from Lindell Bank & Trust Company. The difference 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. An improvement in the case that a client is on the go.

Signature Loan found in St. Louis, Missouri for $45000 with terrible credit by Nickie

A lot of prospective borrowers have difficulty with obtaining signature loans in St. Louis, Missouri, and Nickie is no exception. Nickie went to 7 lenders or more before settling on Lindell Bank & Trust Company, who offered Nickie a signature loan for $45000. Most signature loans simply require a client, like Nickie’s signature to obtain them, up to $33,000 in some cases. Nickie was able to get $45000 as a mortgage, which is very high for a mortgage. Because signature loans do not need a cosigner, they tend to need better credit, as high as 719

Several past requests for credit have been made by Nickie in the past, including one from First Interstate Bank of Keller, National Association in St. Louis, Missouri before Nickie was approved for the $45000 by Lindell Bank & Trust Company

Nickie made 6 previous attempts to obtain a mortgage, 2 of which were with First Interstate Bank of Keller, National Association, a lender in St. Louis, Missouri known to specialize in mortgages specifically. Before finding Lindell Bank & Trust Company, Nickie was desperate due to their inexperience and terrible credit score.

Installment loan for Nickie, a graduate of Los Angeles ORT College and a structural drafter working for over $71,000 per year

Nickie, an alumnus at Los Angeles ORT College and a structural drafter in St. Louis, Missouri wants a mortgage to purchase a new cell phone. Nickie has instead decided to get an installment loan for $2,000 and is at present seeking lenders like Normandy Bank to process their request.

Nickie’s Transunion score was altered by the mortgage loan, changing to 378 from 396, which is typical in our experience.

Transunion Score: 378

Previous requests on Nickie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$45410.00 8 9.4% $674.73 Camden County Bank March 16, 2011
$45450.00 10 5.6% $495.51 Glasgow Savings Bank June 22, 2013
$44750.00 7 10.6% $756.85 Central Bank June 1, 2014
$44570.00 9 5.2% $517.64 Midwest BankCentre August 24, 2014

Contact Details for Lindell Bank & Trust Company, the provider of this mortgage

  • Lindell Bank & Trust Company
  • City: St. Louis
  • State: Missouri
  • Address: 6900 Clayton Avenue
  • County: Saint Louis (City)
  • Zip code: 63139
Client Profile: Nickie Grierson of St. Louis, Missouri
  • Full name (Changed if requested): Nickie Grierson
  • Current Credit: loans.hit.utils.Fico@5010be6
  • Current City: St. Louis
  • State: Missouri
  • Zip code: 63148
  • Yearly income: $52,000
  • Current Job: structural drafter
  • Current County: Saint Louis (City)
  • Goal Yearly Income: $129,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

7 Months in the Past, Nickie Attempted to Find a High Risk Loan for $22,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for clients to get high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Nickie. Nickie chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit individuals. Borrowers with credit scores as low as 488 can inquire for a high risk loan and may be be accepted.

When Nickie was 19, they attempted to obtain a student loan from 5 alternate banks, which harmed their credit score. Below is a chronology of Nickie’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on October 30, 2011
  • Attempt 2) Loan for $37,000.00 on August 11, 2011
  • Attempt 3) Loan for $29,000.00 on July 6, 2010
  • Attempt 4) Loan for $21,000.00 on January 13, 2010
  • Attempt 5) Loan for $34,000.00 on January 30, 2010

Nickie has a sad current total income, but has a high number of prospects

Nickie has always wanted to be a sports events business manager, but would have to attend Los Angeles ORT College again to become one. Nickie has other possibilities as well, including floral designer, school psychologist, and educational resource coordinator, which pay $57,000 through to $93,000 per year, at least. For this reason, we believe that Nickie can pay for this mortgage of $45000.

Before applying for this mortgage, Nickie had an Experian score of 412, which is terrible, so Lindell Bank & Trust Company most likely cannot provide Nickie a mortgage

Experian Score: 412

Nickie was not approved by Commerce Bank of Richmond Heights 4 times before being granted funding by Lindell Bank & Trust Company at 6900 Clayton Avenue

On July 16, 2011, Nickie applied about borrowing $46,000 from Lindell Bank & Trust Company with Brendan, their in law from just outside St. Louis, and even with the co-signer, Nickie was rejected for this mortgage. With terrible credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Nickie’s Overall FICO score at the time of acceptance for a mortgage, taking into account their structural drafter job and their future job as a sports events business manager

Fico Score: 396

Conclusion of Nickie’s mortgage

In the end, Nickie was able to find a mortgage for $45000 with an interest rate of 8.1% interest APR from Lindell Bank & Trust Company in St. Louis, Missouri repayable over 21 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.