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Vivienne Wanted A Home Loan For $87000, Hot Springs, Arkansas

$87000 Home Loan – Hot Springs Arkansas, Credit Rating Of 847

  • Experian: 863 – They had an excellent Experian score
  • Transunion: 829 – Vivienne had an excellent credit rating with Transunion.
  • Equifax: Vivienne’s Experian score was 847, which is an excellent credit score with the Experian system.
Client Profile: Vivienne Hennis of Hot Springs, Arkansas
  • Full name (Changed if requested): Vivienne Hennis
  • Current Credit: loans.hit.utils.Fico@17f052a3
  • Current City: Hot Springs
  • State: Arkansas
  • Zip code: 71914
  • Yearly income: $45,000
  • Current Job: funds development administrator
  • Current County: Garland
  • Goal Yearly Income: $107,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Previous requests on Vivienne’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$139630.00 10 6.1% $1557.2 Bank of Weiner May 11, 2014
$140400.00 7 11.6% $2448.51 Horizon Bank April 6, 2015
$140170.00 7 9.4% $2283.76 Warren Bank and Trust Company July 2, 2015
$140190.00 6 9.8% $2583.02 Boatmen’s Bank of Northeast Arkansas July 21, 2015
$140420.00 11 11.3% $1862.9 The Security Bank August 28, 2015

Vivienne’s Transunion score was altered by the home loan loan, changing to 829 from 847, which is typical in our experience.

Transunion Score: 829

Before applying for this home loan, Vivienne had an Experian score of 863, which is excellent, so Hot Springs Bank & Trust Company probably cannot provide Vivienne a home loan

Experian Score: 863

When Vivienne was 22, they tried to obtain a student loan from 7 different banks, which harmed their credit score. Below is a list of Vivienne’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $39,000.00 on June 30, 2011
  • Attempt 2) Loan for $32,000.00 on August 11, 2009
  • Attempt 3) Loan for $27,000.00 on March 3, 2010
  • Attempt 4) Loan for $37,000.00 on June 2, 2009
  • Attempt 5) Loan for $25,000.00 on December 8, 2011
  • Attempt 6) Loan for $25,000.00 on February 1, 2012
  • Attempt 7) Loan for $29,000.00 on July 3, 2011

Personal Loan for a funds development administrator named Vivienne in Hot Springs, Arkansas to Pay Off Arvest MasterCard Classic

Vivienne had a tonne of credit card debt on their AAA Member Rewards Visa Signature Card and their Sunoco Rewards Plus Card, and they were starting to get in over their heads. Despite Vivienne’s job as a funds development administrator, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Vivienne for this home loan of $87000, provided by Hot Springs Bank & Trust Company

Hello, I am Vivienne and I am from Hot Springs in Arkansas. Garland, county is where I grew up, and now I need a home loan in Arkansas for $87000 to avoid bankruptcy. It has been difficult, but Hot Springs Bank & Trust Company really came through for me with this loan for 9.0% interest APR and a term of 18 years. I will repay the loan over the 18 year term, including interest. A big thanks to Hot Springs Bank & Trust Company for trusting me and my excellent credit. It look me 4 years to build my credit to 847, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

Multiple past requests for credit have been made by Vivienne in the past, including one from Castle Bank, National Association in Hot Springs, Arkansas before Vivienne was approved for the $87000 by Hot Springs Bank & Trust Company

Vivienne made 4 previous attempts to obtain a home loan, 2 of which were with Castle Bank, National Association, a bank in Hot Springs, Arkansas known to specialize in home loans specifically. Prior to finding Hot Springs Bank & Trust Company, Vivienne was concerned due to their inexperience and excellent credit rating.

Vivienne was declined by Security Bank 6 times before being approved by Hot Springs Bank & Trust Company at 4446 Central Avenue

On January 28, 2009, Vivienne applied about borrowing $4,000 from Bank of Bentonville with Lu, their friend from just outside Hot Springs, and even with the co-signer, Vivienne was rejected for this home loan. With excellent credit, it can be challenging to procure financing, even with collateral and a co-signer.

Contact Details for Hot Springs Bank & Trust Company, the provider of this home loan

  • Hot Springs Bank & Trust Company
  • City: Hot Springs
  • State: Arkansas
  • Address: 4446 Central Avenue
  • County: Garland
  • Zip code: 71913

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

Vivienne has always wanted to be a travel counselor, but would have to attend Kennebec Valley Community College again to achieve it. Vivienne has other prospects as well, including chemistry professor, tour guide, and occupational physician, which pay $50,000 through to $103,000 per year, at least. Because of this, we think that Vivienne can pay for this home loan of $87000.

9 Months Ago, Vivienne Tried Finding a High Risk Loan for $33,000.00, 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 way. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Vivienne. Vivienne decided not to obtain a high risk loan this time. High Risk loans are given to very low credit applicants. Borrowers with credit scores as low as 340 can apply for a high risk loan and have a chance to be accepted.

Vivienne’s Overall FICO score at the time of acceptance for a home loan, taking into account their funds development administrator job and their future job as a travel counselor

Fico Score: 847

Installment loan for Vivienne, a graduate of Kennebec Valley Community College and a funds development administrator working for over $76,000 per year

Vivienne, an alumnus at Kennebec Valley Community College and a funds development administrator in Hot Springs, Arkansas wants a home loan to purchase a car. Vivienne has instead chosen to get an installment loan for $16,000 and is currently seeking lenders like Arkansas Bank and Trust Company to provide it.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans vary from $36,000.00 to $50,000.00. They are typically used to pay off existing high interest loans like credit cards. Vivienne required a debt consolidation loan to pay for their existing home loan and their loan shark loan. Vivienne was able to find a home loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.7%.

Fast Loans for Vivienne in Hot Springs, Arkansas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Hot Springs, Arkansas aren’t actually that difficult to obtain, especially if you have some gumption like Vivienne. Vivienne was able to find a fast loan for $87000 from Bank of Weiner and Riverside Bank, but declined both offers in favor of their home loan from Hot Springs Bank & Trust Company. 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 7 weeks for installment loans. A big difference in the case that you are in a pinch.

Signature Loan found in Hot Springs, Arkansas for $87000 with excellent credit by Vivienne

Most prospective borrowers have difficulty with finding signature loans in Hot Springs, Arkansas, and Vivienne is no different. Vivienne went to 7 lenders or more prior to settling on Hot Springs Bank & Trust Company, who offered Vivienne a signature loan for $87000. Typical signature loans simply require a client, like Vivienne’s signature to obtain them, up to $27,000 in some cases. Vivienne was able to get $87000 as a home loan, which is very high for a home loan. Since signature loans do not require a cosigner, they tend to require higher credit, as high as 793

Conclusion of Vivienne’s home loan

In the end, Vivienne was able to find a home loan for $87000 with an interest rate of 11.6% interest APR from Hot Springs Bank & Trust Company in Hot Springs, Arkansas repayable over 18 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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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.