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Mortgage With Very Low APR In Butler County, Ohio

$80000 Mortgage – Hamilton Ohio, Credit Rating Of 572

  • Experian: 587 – This client had a fair Experian rating
  • Transunion: 553 – Annette had a fair credit score with Transunion.
  • Equifax: Annette’s Experian score was 572, which is a fair credit score on the Experian system.

Annette’s Transunion score was changed by the mortgage loan, changing to 553 from 572, which is typical in our experience.

Transunion Score: 553

Contact Details for Star Bank, National Association, Butler County, the provider of this mortgage

  • Star Bank, National Association, Butler County
  • City: Hamilton
  • State: Ohio
  • Address: High Street And Journal Square
  • County: Butler
  • Zip code: 45012

Previous requests on Annette’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$122340.00 6 5.5% $1998.78 The Vinton Banking Company May 3, 2013
$122450.00 6 7.5% $2117.17 The Ohio Valley Bank Company July 20, 2014
$121520.00 6 6.5% $2042.74 The Citizens Bank November 21, 2014
$122470.00 9 11.4% $1818.42 The Peoples Bank January 10, 2015

Installment loan for Annette, a graduate of Hagerstown Community College and an art appraiser working for over $69,000 per year

Annette, an alumnus at Hagerstown Community College and an art appraiser in Hamilton, Ohio wants a mortgage to purchase a car. Annette has instead chosen to obtain an installment loan for $26,000 and is at present seeking lenders like The Ohio Valley Bank Company to provide it.

Annette’s Overall FICO score at the time of acceptance for a mortgage, taking into account their art appraiser job and their future career as a warehouse stock clerk

Fico Score: 572

Fast Loans for Annette in Hamilton, Ohio to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Hamilton, Ohio aren’t actually that difficult to obtain, especially if you have some gumption like Annette. Annette was able to find a fast loan for $80000 from The Farmers State Bank of Lyons Ohio and The Clarksburg Commercial Bank, but declined both offers in favor of their mortgage from Star Bank, National Association, Butler County. The improvement 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 personal loans. A big improvement if you are in a time sensitive situation.

When Annette was 21, they attempted to obtain a student loan from 4 different banks, which harmed their credit score. Below is a list of Annette’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on December 26, 2009
  • Attempt 2) Loan for $23,000.00 on May 9, 2011
  • Attempt 3) Loan for $21,000.00 on March 12, 2011
  • Attempt 4) Loan for $36,000.00 on October 22, 2008

Personal Loan for an art appraiser named Annette in Hamilton, Ohio to Pay Off Meijer Prepaid MasterCard

Annette had a tonne of credit card debt on their Abercrombie & Fitch Credit Card and their American Airlines AAdvantage CitiBusiness MasterCard, and they were starting to get in over their heads. Despite Annette’s job as an art appraiser, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

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

Annette has always wanted to be a warehouse stock clerk, but would have to attend Hagerstown Community College again to achieve it. Annette has other prospects as well, including contract specialist, hand and portable tool mechanic, and metal casting machine operator, which pay $55,000 through to $106,000 per year, at least. Because of this, we believe that Annette can afford this mortgage of $80000.

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans range from $37,000.00 to $49,000.00. They are normally used to pay off existing high interest loans like credit cards. Annette required a debt consolidation loan to pay for their existing mortgage and their payday loan. Annette was able to find a mortgage in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 2.7%.

8 Months in the Past, Annette Tried to Find a High Risk Loan for $34,000.00, and it was Hard

There is an existing struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Annette. Annette decided not to get a high risk loan this time. High Risk loans are given to terrible credit borrowers. Clients with credit scores as low as 421 can apply for a high risk loan and possibly can be accepted.

Multiple other requests for credit have been made by Annette in the past, including one from Farmers State Bank of Shiro, Texas in Hamilton, Ohio before Annette was approved for the $80000 by Star Bank, National Association, Butler County

Annette made 7 previous attempts to obtain a mortgage, 2 of which were with Farmers State Bank of Shiro, Texas, a lending institution in Hamilton, Ohio known to specialize in mortgages specifically. Before finding Star Bank, National Association, Butler County, Annette was very concerned due to their inexperience and fair credit rating.

Paraphrased and Standardized Quote from Annette for this mortgage of $80000, provided by Star Bank, National Association, Butler County

Hello, I am Annette and my hometown is Hamilton in Ohio. Butler, county is where I grew up, and now I need a mortgage in Ohio for $80000 to buy a car. It wasn’t easy, but Star Bank, National Association, Butler County really came through for me with this loan for 10.2% interest APR and a term of 16 years. I will repay the loan over the 16 year term, including interest. A big thanks to Star Bank, National Association, Butler County for giving me a chance and my fair credit. It look me 5 years to build my credit to 572, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

Before applying for this mortgage, Annette had an Experian score of 587, which is fair, so Star Bank, National Association, Butler County likely cannot provide Annette a mortgage

Experian Score: 587

Annette was declined by The First National Bank of Nelsonville 6 times prior to being approved by Star Bank, National Association, Butler County at High Street And Journal Square

On August 3, 2011, Annette inquired about borrowing $37,000 from The Firestone Bank with Arnetta, their friend from just outside Hamilton, and even with the co-signer, Annette was rejected for this mortgage. With fair credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Client Profile: Annette Turli of Hamilton, Ohio
  • Full name (Changed if requested): Annette Turli
  • Current Credit: loans.hit.utils.Fico@76fb509a
  • Current City: Hamilton
  • State: Ohio
  • Zip code: 45016
  • Yearly income: $33,000
  • Current Job: art appraiser
  • Current County: Butler
  • Goal Yearly Income: $136,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Signature Loan found in Hamilton, Ohio for $80000 with fair credit by Annette

Many clients have difficulty with finding signature loans in Hamilton, Ohio, and Annette is no exception. Annette went to 7 lenders or more prior to settling on Star Bank, National Association, Butler County, who offered Annette a signature loan for $80000. Most signature loans simply need a client, like Annette’s signature to get them, up to $21,000 in some cases. Annette was able to get $80000 as a mortgage, which is very high for a mortgage. Because signature loans don’t need a cosigner, these loans generally require higher credit, as high as 746

Conclusion of Annette’s mortgage

In the end, Annette was able to find a mortgage for $80000 with an interest rate of 6.3% interest APR from Star Bank, National Association, Butler County in Hamilton, Ohio 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.

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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.