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Low Rate Mortgage For Virginia In Tappahannock, Virginia

$15000 Mortgage – Tappahannock Virginia, Credit Score Of 490

  • Experian: 502 – They had a bad Experian rating
  • Transunion: 476 – Virginia had a bad credit rating with Transunion.
  • Equifax: Virginia’s Experian score was 490, which is a bad credit rating with the Experian rating scheme.

Before applying for this mortgage, Virginia had an Experian score of 502, which is bad, so EVB most likely can provide Virginia a mortgage

Experian Score: 502

Contact Details for EVB, the provider of this mortgage

  • EVB
  • City: Tappahannock
  • State: Virginia
  • Address: 307 Church Lane
  • County: Essex
  • Zip code: 22560

Virginia’s Overall FICO score at the time of acceptance for a mortgage, taking into account their hand and portable tool mechanic job and their future career as a photographic equipment mechanic

Fico Score: 490

Personal Loan for a hand and portable tool mechanic named Virginia in Tappahannock, Virginia to Pay Off Five Star Bank Secured Visa

Virginia had a lot of credit card debt on their San Diego Padres World MasterCard with Extra Bases Rewards and their National Geographic Platinum MasterCard, and they were starting to get in over their heads. Despite Virginia’s job as a hand and portable tool mechanic, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Virginia’s Transunion score was changed by the mortgage loan, changing to 476 from 490, which is typical in our experience.

Transunion Score: 476

Previous requests on Virginia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$15120.00 7 10.2% $252.58 Citizens Bank and Trust Company May 10, 2009
$14520.00 3 8.3% $457.02 Peoples Community Bank December 14, 2011
$15410.00 5 10.4% $330.46 Crestar Bank March 26, 2014
$15370.00 8 10.5% $237.31 The Merchants and Farmers Bank July 16, 2014

Installment loan for Virginia, a graduate of Hampden-Sydney College and a hand and portable tool mechanic working for over $75,000 per year

Virginia, an alumnus at Hampden-Sydney College and a hand and portable tool mechanic in Tappahannock, Virginia needs a mortgage to purchase a car. Virginia has instead chosen to get an installment loan for $22,000 and is currently seeking lenders like Bank of Botetourt to process their request.

Signature Loan acquired in Tappahannock, Virginia for $15000 with bad credit by Virginia

A lot of clients have difficulty with obtaining signature loans in Tappahannock, Virginia, and Virginia is not an exception. Virginia went to 6 lenders or more before finding EVB, who offered Virginia a signature loan for $15000. Most signature loans simply require a client, like Virginia’s signature to obtain them, up to $49,000 in some cases. Virginia was able to get $15000 as a mortgage, which is very high for a mortgage. Because signature loans don’t require collateral, these loans tend to need improved credit, as high as 734

Virginia was declined by Bank of Tazewell County 7 times prior to being accepted by EVB at 307 Church Lane

On November 28, 2010, Virginia applied about borrowing $19,000 from Bank of Tazewell County with Carey, their in law from just outside Tappahannock, and even with the co-signer, Virginia was rejected for this mortgage. With bad credit, it can be challenging to procure financing, even with collateral and a co-signer.

Virginia has a sad current yearly income, but has a large amount of prospects

Virginia has always wanted to be a photographic equipment mechanic, but would have to attend Hampden-Sydney College again to achieve it. Virginia has other possibilities as well, including camp director, automobile mechanic, and interior designer, which pay $55,000 through to $91,000 per year, at least. For this reason, we believe that Virginia can pay for this mortgage of $15000.

Paraphrased and Standardized Quote from Virginia for this mortgage of $15000, provided by EVB

Hello, I am Virginia and my hometown is Tappahannock in Virginia. Essex, county is where I grew up, and now I need a mortgage in Virginia for $15000 to avoid bankruptcy. It wasn’t easy, but EVB really came through for me with this loan for 11.1% interest APR and a term of 3 years. I can repay the loan over the 3 year term, including interest. A big thanks to EVB for giving me a chance and my bad credit. It look me 8 years to build my credit to 490, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.

Several past requests for credit have been made by Virginia in the past, including one from Security Bank in Tappahannock, Virginia before Virginia was approved for the $15000 by EVB

Virginia made 6 previous attempts to obtain a mortgage, 2 of which were with Security Bank, a lending institution in Tappahannock, Virginia known to specialize in mortgages specifically. Before finding EVB, Virginia was concerned due to their inexperience and bad credit rating.

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $36,000.00 to $45,000.00. They are normally used to pay off existing high interest loans like credit cards. Virginia required a debt consolidation loan to pay for their existing mortgage and their loan shark loan. Virginia was able to find a mortgage in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your bad, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.0%.

7 Months Ago, Virginia Attempted to Find a High Risk Loan for $40,000.00, and it was Hard

It is an well known struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Virginia. Virginia decided not to obtain a high risk loan this time. High Risk loans are given to very low credit applicants. Borrowers with credit scores as low as 417 can inquire for a high risk loan and have a chance to be approved.

When Virginia was 19, they tried to obtain a student loan from 4 different banks, which harmed their credit score. Below is a list of Virginia’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on July 13, 2011
  • Attempt 2) Loan for $38,000.00 on March 30, 2011
  • Attempt 3) Loan for $25,000.00 on February 27, 2012
  • Attempt 4) Loan for $24,000.00 on July 9, 2009

Fast Loans for Virginia in Tappahannock, Virginia to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Tappahannock, Virginia aren’t actually that difficult to obtain, especially if you have some gumption like Virginia. Virginia was able to find a fast loan for $15000 from Planters Bank and Trust Company and Bank of Virginia-Southeast, but turned down both offers in favor of their mortgage from EVB. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big improvement if a borrower is on the go.

Client Profile: Virginia Arnaudet of Tappahannock, Virginia
  • Full name (Changed if requested): Virginia Arnaudet
  • Current Credit: loans.hit.utils.Fico@b1bc7ed
  • Current City: Tappahannock
  • State: Virginia
  • Zip code: 22562
  • Yearly income: $64,000
  • Current Job: hand and portable tool mechanic
  • Current County: Essex
  • Goal Yearly Income: $118,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Conclusion of Virginia’s mortgage

In the end, Virginia was able to find a mortgage for $15000 with an interest rate of 8.7% interest APR from EVB in Tappahannock, Virginia repayable over 3 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.