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

Mortgage With Very Low APR In Smith County, Tennessee

$18000 Mortgage – Carthage Tennessee, Credit Rating Of 675

  • Experian: 685 – The client had a good Experian score
  • Transunion: 657 – Hermine had a good credit rating with Transunion.
  • Equifax: Hermine’s Experian score was 675, which is a good credit rating with the Experian system.

Hermine’s Transunion score was altered by the mortgage loan, changing to 657 from 675, which is normal in our experience.

Transunion Score: 657

Several other requests for credit have been made by Hermine in the past, including one from Fidelity Savings and Loan Association in Carthage, Tennessee before Hermine was approved for the $18000 by Citizens Bank

Hermine made 7 prior attempts to obtain a mortgage, 2 of which were with Fidelity Savings and Loan Association, a lending institution in Carthage, Tennessee known to specialize in mortgages specifically. Before finding Citizens Bank, Hermine was very concerned due to their inexperience and good credit score.

Hermine has a very low current total income, but has several of prospects

Hermine has always wanted to be a medical and scientific illustrator, but would need attend Friends University again to become one. Hermine has other prospects as well, including substance abuse counselor, computer hardware technician, and fire prevention engineer, which pay $55,000 through to $96,000 per year, on average. For this reason, we believe that Hermine can pay for this mortgage of $18000.

Before applying for this mortgage, Hermine had an Experian score of 685, which is good, so Citizens Bank most likely cannot provide Hermine a mortgage

Experian Score: 685

Hermine was not approved by Citizens Bank 5 times before being approved by Citizens Bank at 407 Main Street

On June 2, 2010, Hermine inquired about borrowing $29,000 from Citizens Bank with Agustin, their friend from just outside Carthage, and even with the co-signer, Hermine was rejected for this mortgage. With good credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Contact Details for Citizens Bank, the provider of this mortgage

  • Citizens Bank
  • City: Carthage
  • State: Tennessee
  • Address: 407 Main Street
  • County: Smith
  • Zip code: 37030

Installment loan for Hermine, a graduate of Friends University and a plumber working for over $63,000 per year

Hermine, an alumnus at Friends University and a plumber in Carthage, Tennessee wants a mortgage to purchase a house. Hermine has instead decided to get an installment loan for $16,000 and is currently seeking lenders like United Southern Bank of Humphreys County to process their request.

Previous requests on Hermine’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$115280.00 3 11.8% $3817.94 Citizens Bank December 14, 2010
$115130.00 5 5.3% $2188.5 SunTrust Bank, Chattanooga, National Association July 12, 2012
$114690.00 11 11.1% $1508.21 GreenBank May 30, 2014
$115150.00 10 11.2% $1599.26 CommunityFIRST Bank October 14, 2014

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

Most debt consolidation loans range from $25,000.00 to $44,000.00. They are normally used to pay off existing high interest loans like credit cards. Hermine required a debt consolidation loan to pay for their existing mortgage and their loan shark loan. Hermine was able to find a mortgage in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.4%.

Client Profile: Hermine Parsell of Carthage, Tennessee
  • Full name (Changed if requested): Hermine Parsell
  • Current Credit: loans.hit.utils.Fico@70177ecd
  • Current City: Carthage
  • State: Tennessee
  • Zip code: 37039
  • Yearly income: $59,000
  • Current Job: plumber
  • Current County: Smith
  • Goal Yearly Income: $110,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Fast Loans for Hermine in Carthage, Tennessee to prevent bankruptcy or harm from debt collectors.

Fast loans in Carthage, Tennessee aren’t actually that difficult to obtain, particularly if you have some finesse like Hermine. Hermine was able to find a fast loan for $18000 from First Farmers and Merchants Bank and First Tennessee Bank, but declined both offers in favor of their mortgage from Citizens 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 debt consolidation loans. A big improvement in the case that a client is on the go.

Personal Loan for a plumber named Hermine in Carthage, Tennessee to Pay Off RBC Rewards Visa Gold

Hermine had a lot of credit card debt on their Performance Equine Rescue Network Visa Platinum Rewards Card and their Commerce Bank, and they were starting to get in over their heads. Despite Hermine’s job as a plumber, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Signature Loan found in Carthage, Tennessee for $18000 with good credit by Hermine

Most prospective borrowers struggle with obtaining signature loans in Carthage, Tennessee, and Hermine is no exception. Hermine went to 6 lenders or more prior to settling on Citizens Bank, who offered Hermine a signature loan for $18000. Typical signature loans simply require a client, like Hermine’s signature to get them, up to $29,000 in some cases. Hermine was able to get $18000 as a mortgage, which is very high for a mortgage. Because signature loans do not need collateral, they generally need better credit, as high as 784

Paraphrased and Standardized Quote from Hermine for this mortgage of $18000, provided by Citizens Bank

Hello, I am Hermine and I am from Carthage in Tennessee. Smith, county is where I grew up, and now I need a mortgage in Tennessee for $18000 to renovate my home. It has been difficult, but Citizens Bank really came through for me with this loan for 5.1% interest APR and a term of 12 years. I can probably repay the loan over the 12 year term, including interest. A big thanks to Citizens Bank for trusting me and my good credit. It look me 8 years to create my credit to 675, and I won’t harm it any future. I am happy with Find Texas Loans for helping me this far.

When Hermine was 22, they attempted to obtain a student loan from 4 different banks, which damaged their credit rating. Below is a chronology of Hermine’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $21,000.00 on May 23, 2013
  • Attempt 2) Loan for $38,000.00 on April 24, 2011
  • Attempt 3) Loan for $22,000.00 on August 29, 2011
  • Attempt 4) Loan for $30,000.00 on January 18, 2011

Hermine’s Overall FICO score at the time of acceptance for a mortgage, taking into account their plumber job and their future career as a medical and scientific illustrator

Fico Score: 675

7 Months Ago, Hermine Tried Finding a High Risk Loan for $30,000.00, but They Didn’t Find What They were Expecting

It is an ongoing struggle for borrowers to find high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Hermine. Hermine decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit applicants. Borrowers with credit scores as low as 568 can inquire for a high risk loan and have a chance to be approved.

Conclusion of Hermine’s mortgage

In the end, Hermine was able to find a mortgage for $18000 with an interest rate of 7.7% interest APR from Citizens Bank in Carthage, Tennessee repayable over 12 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.