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13 Month, Variable Interest Mortgage For Hanna In Louisiana

$48000 Mortgage – Chalmette Louisiana, Credit Score Of 782

  • Experian: 796 – This individual had an excellent Experian rating
  • Transunion: 767 – Hanna had an excellent credit score with Transunion.
  • Equifax: Hanna’s Experian score was 782, which is an excellent credit score on the Experian rating scheme.

Fast Loans for Hanna in Chalmette, Louisiana to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Chalmette, Louisiana aren’t actually that difficult to obtain, particularly if you have some gumption like Hanna. Hanna was able to find a fast loan for $48000 from City National Bank of Baton Rouge and The First National Bank of Abbeville, but declined both offers in favor of their mortgage from First National Bank of St. Bernard Parish. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. An improvement in the case that a client is in a pinch.

Several past requests for credit have been made by Hanna in the past, including one from Bank of Clinton in Chalmette, Louisiana before Hanna was approved for the $48000 by First National Bank of St. Bernard Parish

Hanna made 8 previous tries to obtain a mortgage, 2 of which were with Bank of Clinton, a lender in Chalmette, Louisiana known to specialize in mortgages specifically. Before finding First National Bank of St. Bernard Parish, Hanna was concerned due to their inexperience and excellent credit rating.

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans vary from $38,000.00 to $45,000.00. They are normally used to pay off existing high interest loans like credit cards. Hanna needed a debt consolidation loan to pay for their existing mortgage and their loan shark loan. Hanna 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 less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.0%.

Personal Loan for a water pollution control inspector named Hanna in Chalmette, Louisiana to Pay Off BancorpSouth Student Visa

Hanna had a tonne of credit card debt on their Chevron and Texaco Credit Card and their Merrill Lynch Merrill+ Visa, and they were starting to get in over their heads. Despite Hanna’s job as a water pollution control inspector, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

When Hanna was 21, they attempted to obtain a student loan from 7 different lenders, which damaged their credit rating. Below is a list of Hanna’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $21,000.00 on June 1, 2010
  • Attempt 2) Loan for $27,000.00 on April 2, 2011
  • Attempt 3) Loan for $28,000.00 on August 20, 2012
  • Attempt 4) Loan for $30,000.00 on March 28, 2013
  • Attempt 5) Loan for $34,000.00 on March 15, 2012
  • Attempt 6) Loan for $25,000.00 on January 4, 2009
  • Attempt 7) Loan for $26,000.00 on November 28, 2010

Signature Loan easily acquired in Chalmette, Louisiana for $48000 with excellent credit by Hanna

Most borrowers struggle with obtaining signature loans in Chalmette, Louisiana, and Hanna is no different. Hanna went to 8 lenders or more prior to settling on First National Bank of St. Bernard Parish, who offered Hanna a signature loan for $48000. Most signature loans simply need a client, like Hanna’s signature to obtain them, up to $46,000 in some cases. Hanna was able to get $48000 as a mortgage, which is very high for a mortgage. Because signature loans do not require collateral, they generally need improved credit, as high as 783

Installment loan for Hanna, a graduate of St. Olaf College and a water pollution control inspector working for over $78,000 per year

Hanna, an alumnus at St. Olaf College and a water pollution control inspector in Chalmette, Louisiana wants a mortgage to purchase a new cell phone. Hanna has instead chosen to get an installment loan for $28,000 and is currently seeking lenders like The Bank of Commerce to process their request.

Paraphrased and Standardized Quote from Hanna for this mortgage of $48000, provided by First National Bank of St. Bernard Parish

Hello, I am Hanna and my hometown is Chalmette in Louisiana. St. Bernard, county is where I grew up, and now I need a mortgage in Louisiana for $48000 to renovate my home. It has been difficult, but First National Bank of St. Bernard Parish really came through for me with this loan for 6.7% interest APR and a term of 13 years. I can repay the loan over the 13 year term, including interest. A big thanks to First National Bank of St. Bernard Parish for giving me a chance and my excellent credit. It look me 7 years to create my credit to 782, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.

Contact Details for First National Bank of St. Bernard Parish, the provider of this mortgage

  • First National Bank of St. Bernard Parish
  • City: Chalmette
  • State: Louisiana
  • Address: 8301 West Judge Perez Drive
  • County: St. Bernard
  • Zip code: 70043

Hanna has a very low current gross income, but has a large amount of prospects

Hanna has always wanted to be a social welfare administrator, but would need attend St. Olaf College again to achieve it. Hanna has other prospects as well, including bicycle mechanic, advertising account executive, and forest engineer, which pay $54,000 through to $97,000 per year, at least. Because of this, we think that Hanna can pay for this mortgage of $48000.

Hanna’s Overall FICO score at the time of acceptance for a mortgage, taking into account their water pollution control inspector job and their future career as a social welfare administrator

Fico Score: 782

Hanna’s Transunion score was changed by the mortgage loan, changing to 767 from 782, which is normal in our experience.

Transunion Score: 767

Client Profile: Hanna Duldulao of Chalmette, Louisiana
  • Full name (Changed if requested): Hanna Duldulao
  • Current Credit: loans.hit.utils.Fico@1b2c6ec2
  • Current City: Chalmette
  • State: Louisiana
  • Zip code: 70050
  • Yearly income: $69,000
  • Current Job: water pollution control inspector
  • Current County: St. Bernard
  • Goal Yearly Income: $87,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Hanna was declined by Bank of Montgomery 6 times prior to being granted funding by First National Bank of St. Bernard Parish at 8301 West Judge Perez Drive

On October 6, 2009, Hanna inquired about borrowing $36,000 from The Highlands Bank with Eldora, their in law from just outside Chalmette, and even with the co-signer, Hanna was rejected for this mortgage. With excellent credit, it can be difficult to procure financing, even with collateral and a co-signer.

Before applying for this mortgage, Hanna had an Experian score of 796, which is excellent, so First National Bank of St. Bernard Parish likely cannot provide Hanna a mortgage

Experian Score: 796

Previous requests on Hanna’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$74190.00 3 5.1% $2226.87 Bank of Zachary June 13, 2012
$73700.00 7 7.3% $1123.17 Landmark Bank May 27, 2014
$74390.00 8 10.3% $1140.65 Bank of Gonzales July 15, 2014
$74350.00 8 11.5% $1188.07 The Highlands Bank October 29, 2014

7 Months in the Past, Hanna Tried to Find a High Risk Loan for $46,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Hanna. Hanna chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit clients. Borrowers with credit ratings as low as 460 can inquire for a high risk loan and possibly can be approved.

Conclusion of Hanna’s mortgage

In the end, Hanna was able to find a mortgage for $48000 with an interest rate of 5.1% interest APR from First National Bank of St. Bernard Parish in Chalmette, Louisiana repayable over 13 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.