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Mortgage With Low APR In San Diego County, California

$32000 Mortgage – San Diego California, Credit Score Of 373

  • Experian: 388 – This individual had a terrible Experian score
  • Transunion: 354 – Joane had a terrible credit rating with Transunion.
  • Equifax: Joane’s Experian score was 373, which is a terrible credit score with the Experian scale.

Previous requests on Joane’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$79150.00 11 9.2% $955.46 Santa Monica Bank September 17, 2011
$79240.00 9 6.1% $955.26 Farmers and Merchants Bank of Long Beach September 21, 2011
$78590.00 9 10.7% $1136.45 First Interstate Bank of California March 19, 2012
$79470.00 4 5.6% $1851.82 Union Bank July 13, 2012

Contact Details for Metro United Bank, the provider of this mortgage

  • Metro United Bank
  • City: San Diego
  • State: California
  • Address: 7320 Clairemont Mesa Boulevard
  • County: San Diego
  • Zip code: 92111

Joane’s Transunion score was changed by the mortgage loan, changing to 354 from 373, which is normal in our experience.

Transunion Score: 354

Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $30,000.00 to $43,000.00. They are mainly used to pay off existing high interest loans like credit cards. Joane needed a debt consolidation loan to pay for their existing mortgage and their loan shark loan. Joane was able to find a mortgage in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which converts your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.3%.

Several past requests for credit have been made by Joane in the past, including one from The First National Bank of Carlisle in San Diego, California before Joane was approved for the $32000 by Metro United Bank

Joane made 7 previous attempts to obtain a mortgage, 2 of which were with The First National Bank of Carlisle, a lending institution in San Diego, California known to specialize in mortgages specifically. Before finding Metro United Bank, Joane was very concerned due to their inexperience and terrible credit rating.

Joane has a sad current gross income, but has several of prospects

Joane has always wanted to be a certified public accountant, but would need attend Wilkes University again to become one. Joane has other possibilities as well, including occupational safety & health inspector, weather observer, and game runner, which pay $52,000 through to $103,000 per year, at least. Because of this, we believe that Joane can afford this mortgage of $32000.

Client Profile: Joane Willmon of San Diego, California
  • Full name (Changed if requested): Joane Willmon
  • Current Credit: loans.hit.utils.Fico@1e80bfe8
  • Current City: San Diego
  • State: California
  • Zip code: 92115
  • Yearly income: $69,000
  • Current Job: purchasing agent
  • Current County: San Diego
  • Goal Yearly Income: $89,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Installment loan for Joane, a graduate of Wilkes University and a purchasing agent working for over $65,000 per year

Joane, an alumnus at Wilkes University and a purchasing agent in San Diego, California wants a mortgage to purchase a house. Joane has instead decided to get an installment loan for $15,000 and is currently seeking lenders like Santa Ynez Valley Bank to process their request.

Paraphrased and Standardized Quote from Joane for this mortgage of $32000, provided by Metro United Bank

Hi, I am Joane and my hometown is San Diego in California. San Diego, county is where I grew up, and now I need a mortgage in California for $32000 to pay bills. It wasn’t easy, but Metro United Bank really came through for me with this loan for 10.0% interest APR and a term of 9 years. I can probably repay the loan over the 9 year term, including interest. A big thanks to Metro United Bank for giving me a chance and my terrible credit. It look me 4 years to build my credit to 373, and I won’t tarnish it any future. I’m happy with Find Texas Loans for assisting me this far.

When Joane was 18, they attempted to obtain a student loan from 6 different banks, which harmed their credit score. Below is a chronology of Joane’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on February 18, 2010
  • Attempt 2) Loan for $33,000.00 on January 11, 2010
  • Attempt 3) Loan for $29,000.00 on October 29, 2011
  • Attempt 4) Loan for $30,000.00 on November 9, 2011
  • Attempt 5) Loan for $38,000.00 on December 10, 2012
  • Attempt 6) Loan for $34,000.00 on January 28, 2010

Joane’s Overall FICO score at the time of acceptance for a mortgage, taking into account their purchasing agent job and their future job as a certified public accountant

Fico Score: 373

Personal Loan for a purchasing agent named Joane in San Diego, California to Pay Off Orbitz Visa Platinum Credit Card

Joane had a lot of credit card debt on their Frontier World MasterCard with Annual Fee and their Steuben Trust College Rewards Visa Card, and they were starting to get in over their heads. Despite Joane’s job as a purchasing agent, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Signature Loan easily acquired in San Diego, California for $32000 with terrible credit by Joane

Many clients struggle with obtaining signature loans in San Diego, California, and Joane is no exception. Joane went to 8 lending institutions or more before settling on Metro United Bank, who offered Joane a signature loan for $32000. Most signature loans simply need a client, like Joane’s signature to obtain them, up to $29,000 in some cases. Joane was able to get $32000 as a mortgage, which is very high for a mortgage. Because signature loans do not need a cosigner, these loans tend to need improved credit, as high as 742

Fast Loans for Joane in San Diego, California to prevent bankruptcy or broken legs from debt collectors.

Fast loans in San Diego, California aren’t actually that difficult to obtain, particularly if you have some finesse like Joane. Joane was able to find a fast loan for $32000 from National Bank of Agriculture and Mechanics Bank, but turned down both offers in favor of their mortgage from Metro United Bank. The improvement with a fast loan over a personal 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 borrower is in a pinch.

7 Months Ago, Joane Tried Finding a High Risk Loan for $39,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Joane. Joane chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit borrowers. Clients with credit ratings as low as 463 can inquire for a high risk loan and may be be approved.

Joane was rejected by First Northern Bank of Dixon 6 times prior to being accepted by Metro United Bank at 7320 Clairemont Mesa Boulevard

On January 26, 2012, Joane inquired about borrowing $24,000 from The Merchants National Bank of Sacramento with Yuriko, their friend from just outside San Diego, and even with the co-signer, Joane was rejected for this mortgage. With terrible credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Before applying for this mortgage, Joane had an Experian score of 388, which is terrible, so Metro United Bank most likely cannot provide Joane a mortgage

Experian Score: 388

Conclusion of Joane’s mortgage

In the end, Joane was able to find a mortgage for $32000 with an interest rate of 5.3% interest APR from Metro United Bank in San Diego, California repayable over 9 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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