Do you have over $10,000 in Debt? Get Help now.

Mortgage With Low APR In Alachua County, Florida

$2000 Mortgage – Gainesville Florida, Credit Rating Of 510

  • Experian: 524 – The client had a fair Experian rating
  • Transunion: 496 – Willetta had a fair credit score with Transunion.
  • Equifax: Willetta’s Experian score was 510, which is a fair credit score using the Experian system.

Willetta has a low current total income, but has a large amount of prospects

Willetta has always wanted to be an insurance adjuster, but would have to attend University of Phoenix again to achieve it. Willetta has other prospects as well, including radio & tv announcer, criminal justice professor, and petroleum technician, which pay $53,000 through to $95,000 per year, on average. Because of this, we believe that Willetta can afford this mortgage of $2000.

Before applying for this mortgage, Willetta had an Experian score of 524, which is fair, so Millennium Bank most likely cannot provide Willetta a mortgage

Experian Score: 524

Willetta’s Overall FICO score at the time of acceptance for a mortgage, taking into account their cartoonist job and their future job as an insurance adjuster

Fico Score: 510

Signature Loan easily acquired in Gainesville, Florida for $2000 with fair credit by Willetta

A lot of prospective borrowers have difficulty with obtaining signature loans in Gainesville, Florida, and Willetta is not an exception. Willetta went to 5 lending institutions or more prior to finding Millennium Bank, who offered Willetta a signature loan for $2000. Most signature loans simply require a client, like Willetta’s signature to get them, up to $25,000 in some cases. Willetta was able to get $2000 as a mortgage, which is very high for a mortgage. Since signature loans do not need collateral, these loans tend to require better credit, as high as 724

Willetta was declined by Florida Bank of Volusia County 6 times prior to being granted funding by Millennium Bank at 4340 West Newberry Road

On October 11, 2011, Willetta inquired about borrowing $11,000 from Sun Bank and Trust Company with Walton, their in law from just outside Gainesville, and even with the co-signer, Willetta was rejected for this mortgage. With fair credit, it can be very hard to procure funding, even with collateral and a co-signer.

Willetta’s Transunion score was changed by the mortgage loan, changing to 496 from 510, which is normal in our experience.

Transunion Score: 496

6 Months Ago, Willetta Tried to Find a High Risk Loan for $40,000.00, and it was Easy

It is an existing struggle for borrowers to get high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Willetta. Willetta chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit borrowers. Clients with credit ratings as low as 470 can apply for a high risk loan and have a chance to be approved.

Fast Loans for Willetta in Gainesville, Florida to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Gainesville, Florida aren’t actually that difficult to obtain, particularly if you have some finesse like Willetta. Willetta was able to find a fast loan for $2000 from Hialeah-Miami Springs First State Bank and Barnett Bank of West Florida, but declined both offers in favor of their mortgage from Millennium Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. A big difference in the case that a client is in a time sensitive situation.

Previous requests on Willetta’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$43410.00 11 11.3% $575.91 NCNB National Bank of Florida June 25, 2011
$43150.00 8 7.7% $603.44 Southeast Bank of Madison County, National Association August 31, 2014
$43340.00 8 9.1% $637.19 Southeast Bank of Wildwood September 13, 2014
$43310.00 6 9.3% $787.15 Atlantic Bank of Jacksonville April 3, 2015

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

Normal debt consolidation loans vary from $34,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Willetta required a debt consolidation loan to pay for their existing mortgage and their payday loan. Willetta was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your less desirable, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.2%.

Personal Loan for a cartoonist named Willetta in Gainesville, Florida to Pay Off Banana Republic Visa Card

Willetta had a lot of credit card debt on their Western Union Gold Card Prepaid Visa and their Fenton Motor Group Visa Platinum Rewards Card, and they were starting to get in over their heads. Despite Willetta’s job as a cartoonist, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

When Willetta was 18, they attempted to obtain a student loan from 5 different banks, which harmed their credit rating. Below is a list of Willetta’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on April 10, 2009
  • Attempt 2) Loan for $26,000.00 on May 16, 2010
  • Attempt 3) Loan for $32,000.00 on August 5, 2012
  • Attempt 4) Loan for $36,000.00 on November 26, 2008
  • Attempt 5) Loan for $34,000.00 on December 26, 2013

Paraphrased and Standardized Quote from Willetta for this mortgage of $2000, provided by Millennium Bank

Hello, I am Willetta and my hometown is Gainesville in Florida. Alachua, county is where I grew up, and now I need a mortgage in Florida for $2000 to buy a car. It has been difficult, but Millennium Bank really came through for me with this loan for 7.1% interest APR and a term of 16 years. I can repay the loan over the 16 year term, including interest. A big thanks to Millennium Bank for trusting me and my fair credit. It look me 4 years to build my credit to 510, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.

Client Profile: Willetta Kasik of Gainesville, Florida
  • Full name (Changed if requested): Willetta Kasik
  • Current Credit: loans.hit.utils.Fico@378fd1ac
  • Current City: Gainesville
  • State: Florida
  • Zip code: 32615
  • Yearly income: $42,000
  • Current Job: cartoonist
  • Current County: Alachua
  • Goal Yearly Income: $97,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Installment loan for Willetta, a graduate of University of Phoenix and a cartoonist working for over $73,000 per year

Willetta, an alumnus at University of Phoenix and a cartoonist in Gainesville, Florida wants a mortgage to purchase a house. Willetta has instead chosen to obtain an installment loan for $2,000 and is at present seeking lenders like The Broadway National Bank of Tampa to provide it.

Multiple other requests for credit have been made by Willetta in the past, including one from Middlesex Savings Bank in Gainesville, Florida before Willetta was accepted for the $2000 by Millennium Bank

Willetta made 4 previous attempts to obtain a mortgage, 2 of which were with Middlesex Savings Bank, a bank in Gainesville, Florida known to specialize in mortgages specifically. Prior to finding Millennium Bank, Willetta was desperate due to their inexperience and fair credit rating.

Contact Details for Millennium Bank, the provider of this mortgage

  • Millennium Bank
  • City: Gainesville
  • State: Florida
  • Address: 4340 West Newberry Road
  • County: Alachua
  • Zip code: 32607

Conclusion of Willetta’s mortgage

In the end, Willetta was able to find a mortgage for $2000 with an interest rate of 10.7% interest APR from Millennium Bank in Gainesville, Florida repayable over 16 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.

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

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.