$74000 Mortgage – Saint Johnsbury Vermont, Credit Rating Of 809
- Experian: 826 – This individual had an excellent Experian rating
- Transunion: 790 – Christa had an excellent credit score with Transunion.
- Equifax: Christa’s Experian score was 809, which is an excellent credit score on the Experian scale.
Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Average debt consolidation loans vary from $33,000.00 to $49,000.00. They are normally used to pay off existing high interest loans like credit cards. Christa required a debt consolidation loan to pay for their existing mortgage and their loan shark loan. Christa was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which transfers your less desirable, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 3.6%.
When Christa was 23, they attempted to obtain a student loan from 4 alternate banks, which damaged their credit rating. Below is a list of Christa’s prior attempts at finding a student loan:
- Attempt 1) Loan for $30,000.00 on January 15, 2011
- Attempt 2) Loan for $25,000.00 on March 16, 2009
- Attempt 3) Loan for $31,000.00 on September 21, 2009
- Attempt 4) Loan for $36,000.00 on February 18, 2013
Paraphrased and Standardized Quote from Christa for this mortgage of $74000, provided by Citizens Savings Bank and Trust Company
Hi, I am Christa and I’m from Saint Johnsbury in Vermont. Caledonia, county is where I grew up, and now I need a mortgage in Vermont for $74000 to buy a big ticket item. It has been difficult, but Citizens Savings Bank and Trust Company really came through for me with this loan for 11.5% interest APR and a term of 8 years. I can probably repay the loan over the 8 year term, including interest. A big thanks to Citizens Savings Bank and Trust Company for trusting me and my excellent credit. It look me 9 years to create my credit to 809, and I won’t harm it any more. I am pleased with Find Texas Loans for assisting me this far.
Personal Loan for a retail sales department supervisor named Christa in Saint Johnsbury, Vermont to Pay Off National Penn Bank Credit Cards
Christa had a tonne of credit card debt on their BankFIRST Visa Platinum Business Rewards Card and their Tompkins Trust Secured Visa Card, and they were starting to get in over their heads. Despite Christa’s job as a retail sales department supervisor, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
- Full name (Changed if requested): Christa Bickes
- Current Credit: loans.hit.utils.Fico@27bc2616
- Current City: Saint Johnsbury
- State: Vermont
- Zip code: 5827
- Yearly income: $57,000
- Current Job: retail sales department supervisor
- Current County: Caledonia
- Goal Yearly Income: $109,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Previous requests on Christa’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$123240.00||10||6.6%||$1405.64||Connecticut River Bank, National Association||November 10, 2011|
|$123400.00||3||11.6%||$4075.11||The Peoples National Bank of Barre||April 24, 2014|
|$122810.00||6||10.3%||$2293.78||The County National Bank of Bennington||October 1, 2014|
|$123280.00||10||9.5%||$1595.21||National White River Bank in Bethel||April 4, 2015|
Christa was rejected by The Woodstock National Bank 7 times before being accepted by Citizens Savings Bank and Trust Company at 364 Railroad Street
On June 9, 2009, Christa applied about borrowing $7,000 from Ethan Allen National Bank with Kylee, their friend from just outside Saint Johnsbury, and even with the co-signer, Christa was rejected for this mortgage. With excellent credit, it can be difficult to obtain financing, even with collateral and a co-signer.
Contact Details for Citizens Savings Bank and Trust Company, the provider of this mortgage
- Citizens Savings Bank and Trust Company
- City: Saint Johnsbury
- State: Vermont
- Address: 364 Railroad Street
- County: Caledonia
- Zip code: 5819
Before applying for this mortgage, Christa had an Experian score of 826, which is excellent, so Citizens Savings Bank and Trust Company most likely cannot provide Christa a mortgage
Signature Loan acquired in Saint Johnsbury, Vermont for $74000 with excellent credit by Christa
A lot of borrowers have difficulty with finding signature loans in Saint Johnsbury, Vermont, and Christa is no different. Christa went to 5 lending institutions or more prior to settling on Citizens Savings Bank and Trust Company, who offered Christa a signature loan for $74000. Most signature loans simply require a client, like Christa’s signature to get them, up to $30,000 in some cases. Christa was able to get $74000 as a mortgage, which is very high for a mortgage. Since signature loans don’t require collateral, these loans generally need improved credit, as high as 722
Christa has a disappointing current total income, but has a large amount of prospects
Christa has always wanted to be a medical laboratory technician, but would have to attend University of Saint Francis – Fort Wayne again to achieve it. Christa has other possibilities as well, including sales representative, instrument technician, and accounting specialist, which pay $50,000 through to $97,000 per year, on average. For this reason, we think that Christa can pay for this mortgage of $74000.
Multiple other requests for credit have been made by Christa in the past, including one from American State Bank in Saint Johnsbury, Vermont before Christa was approved for the $74000 by Citizens Savings Bank and Trust Company
Christa made 7 previous tries to obtain a mortgage, 2 of which were with American State Bank, a lending institution in Saint Johnsbury, Vermont known to specialize in mortgages specifically. Before finding Citizens Savings Bank and Trust Company, Christa was very concerned due to their inexperience and excellent credit rating.
Christa’s Transunion score was changed by the mortgage loan, changing to 790 from 809, which is typical in our experience.
Christa’s Overall FICO score at the time of acceptance for a mortgage, taking into account their retail sales department supervisor job and their future career as a medical laboratory technician
Fast Loans for Christa in Saint Johnsbury, Vermont to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Saint Johnsbury, Vermont aren’t actually that difficult to obtain, especially if you have some gumption like Christa. Christa was able to find a fast loan for $74000 from The Island Pond National Bank and The First National Bank of White River Junction, but declined both offers in favor of their mortgage from Citizens Savings Bank and 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 6 weeks for debt consolidation loans. An improvement in the case that you are on the go.
6 Months Ago, Christa Attempted Finding a High Risk Loan for $45,000.00, but They Didn’t Find What They were Expecting
It is an well known struggle for clients to get high risk loans in a safe manner. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Christa. Christa chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Individuals with credit ratings as low as 487 can apply for a high risk loan and may be be accepted.
Installment loan for Christa, a graduate of University of Saint Francis – Fort Wayne and a retail sales department supervisor working for over $71,000 per year
Christa, an alumnus at University of Saint Francis – Fort Wayne and a retail sales department supervisor in Saint Johnsbury, Vermont wants a mortgage to purchase something frivolous. Christa has instead chosen to obtain an installment loan for $18,000 and is at present seeking lenders like Community National Bank to process their request.
Conclusion of Christa’s mortgage
In the end, Christa was able to find a mortgage for $74000 with an interest rate of 6.0% interest APR from Citizens Savings Bank and Trust Company in Saint Johnsbury, Vermont repayable over 8 years from today.