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3 Month Mortgage For Claretta In Hampton Iowa

$116000 Mortgage – Hampton Iowa, Credit Score Of 647

  • Experian: 659 – The client had a good Experian score
  • Transunion: 635 – Claretta had a good credit score with Transunion.
  • Equifax: Claretta’s Experian score was 647, which is a good credit rating with the Experian scale.

Previous requests on Claretta’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$76820.00 5 6.1% $1488.72 Mills County Bank National Association February 27, 2009
$76700.00 10 8.3% $942.79 Postville State Bank June 1, 2011
$77360.00 11 6.7% $829.88 Washington State Bank June 22, 2011
$77200.00 3 11.3% $2538.41 Rippey Savings Bank November 7, 2013
$77110.00 10 6.8% $887.38 Iowa State Bank December 22, 2014

Claretta’s Overall FICO score at the time of acceptance for a mortgage, taking into account their medical appliance technician job and their future career as an electronic drafter

Fico Score: 647

Contact Details for Hampton State Bank, the provider of this mortgage

  • Hampton State Bank
  • City: Hampton
  • State: Iowa
  • Address: 100 1st Street, N.W.
  • County: Franklin
  • Zip code: 50441
Client Profile: Claretta Hosley of Hampton, Iowa
  • Full name (Changed if requested): Claretta Hosley
  • Current Credit: loans.hit.utils.Fico@31cefde0
  • Current City: Hampton
  • State: Iowa
  • Zip code: 50447
  • Yearly income: $45,000
  • Current Job: medical appliance technician
  • Current County: Franklin
  • Goal Yearly Income: $147,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

When Claretta was 23, they attempted to obtain a student loan from 6 alternate lenders, which harmed their credit rating. Below is a list of Claretta’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on September 8, 2009
  • Attempt 2) Loan for $38,000.00 on September 15, 2011
  • Attempt 3) Loan for $33,000.00 on January 13, 2012
  • Attempt 4) Loan for $38,000.00 on March 6, 2011
  • Attempt 5) Loan for $32,000.00 on April 28, 2010
  • Attempt 6) Loan for $32,000.00 on September 26, 2013

Before applying for this mortgage, Claretta had an Experian score of 659, which is good, so Hampton State Bank most likely cannot provide Claretta a mortgage

Experian Score: 659

Claretta was rejected by Washington State Bank 5 times prior to being accepted by Hampton State Bank at 100 1st Street, N.W.

On June 2, 2012, Claretta applied about borrowing $9,000 from Guthrie County State Bank with Jeanice, their in law from just outside Hampton, and even with the co-signer, Claretta was rejected for this mortgage. With good credit, it can be difficult to procure financing, even with collateral and a co-signer.

Installment loan for Claretta, a graduate of National American University – Rapid City and a medical appliance technician working for over $71,000 per year

Claretta, an alumnus at National American University – Rapid City and a medical appliance technician in Hampton, Iowa needs a mortgage to purchase a house. Claretta has instead chosen to get an installment loan for $6,000 and is at present seeking lenders like American Interstate Bank to provide it.

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

Normal debt consolidation loans vary from $23,000.00 to $49,000.00. They are normally used to pay off existing high interest loans like credit cards. Claretta needed a debt consolidation loan to pay for their existing mortgage and their credit card. Claretta was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.8%.

Claretta’s Transunion score was changed by the mortgage loan, changing to 635 from 647, which is normal in our experience.

Transunion Score: 635

Claretta has a disappointing current yearly income, but has several of prospects

Claretta has always wanted to be an electronic drafter, but would need attend National American University – Rapid City again to achieve it. Claretta has other possibilities as well, including environmental technician, speech writer, and airfield operations specialist, which pay $56,000 through to $91,000 per year, on average. For this reason, we think that Claretta can afford this mortgage of $116000.

Many previous requests for credit have been made by Claretta in the past, including one from First State Bank in Hampton, Iowa before Claretta was approved for the $116000 by Hampton State Bank

Claretta made 8 previous attempts to obtain a mortgage, 2 of which were with First State Bank, a lender in Hampton, Iowa known to specialize in mortgages specifically. Before finding Hampton State Bank, Claretta was concerned due to their inexperience and good credit rating.

Paraphrased and Standardized Quote from Claretta for this mortgage of $116000, provided by Hampton State Bank

Hi, I am Claretta and I am from Hampton in Iowa. Franklin, county is where I grew up, and now I need a mortgage in Iowa for $116000 to avoid bankruptcy. It wasn’t easy, but Hampton State Bank really came through for me with this loan for 11.6% interest APR and a term of 13 years. I will repay the loan over the 13 year term, including interest. A big thanks to Hampton State Bank for trusting me and my good credit. It look me 9 years to build my credit to 647, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for helping me this far.

8 Months Ago, Claretta Tried to Find a High Risk Loan for $48,000.00, and it was Hard

It is an ongoing struggle for clients to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Claretta. Claretta chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit borrowers. Borrowers with credit ratings as low as 311 can apply for a high risk loan and possibly can be approved.

Signature Loan acquired in Hampton, Iowa for $116000 with good credit by Claretta

Most prospective borrowers have difficulty with obtaining signature loans in Hampton, Iowa, and Claretta is not an exception. Claretta went to 6 lending institutions or more before settling on Hampton State Bank, who offered Claretta a signature loan for $116000. Typical signature loans simply need a client, like Claretta’s signature to get them, up to $42,000 in some cases. Claretta was able to get $116000 as a mortgage, which is very high for a mortgage. Because signature loans don’t need collateral, these loans generally require better credit, as high as 721

Fast Loans for Claretta in Hampton, Iowa to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Hampton, Iowa aren’t actually that difficult to obtain, especially if you have some gumption like Claretta. Claretta was able to find a fast loan for $116000 from Oakland Savings Bank and Raccoon Valley Bank, but turned down both offers in favor of their mortgage from Hampton State 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 7 weeks for installment loans. A big improvement if a client is in a pinch.

Personal Loan for a medical appliance technician named Claretta in Hampton, Iowa to Pay Off Executive Women’s Golf Association

Claretta had a lot of credit card debt on their First Hawaiian Bank Business MasterCard and their HOOTERS MasterCard, and they were starting to get in over their heads. Despite Claretta’s job as a medical appliance technician, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Conclusion of Claretta’s mortgage

In the end, Claretta was able to find a mortgage for $116000 with an interest rate of 7.8% interest APR from Hampton State Bank in Hampton, Iowa repayable over 13 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.