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$12000 Mortgage In Sarasota County Florida With Credit Score 403 For Robbie

$12000 Mortgage – Sarasota County Florida, Credit Rating Of 403

  • Experian: 421 – They had a bad Experian score
  • Transunion: 385 – Robbie had a bad credit score with Transunion.
  • Equifax: Robbie’s Experian score was 403, which is a bad credit score on the Experian scale.

Multiple other requests for credit have been made by Robbie in the past, including one from Old Kent Bank of Allegan in Sarasota County, Florida before Robbie was accepted for the $12000 by First State Bank of Sarasota County

Robbie made 6 prior attempts to obtain a mortgage, 2 of which were with Old Kent Bank of Allegan, a lender in Sarasota County, Florida known to specialize in mortgages specifically. Before finding First State Bank of Sarasota County, Robbie was desperate due to their inexperience and bad credit rating.

Robbie’s Transunion score was altered by the mortgage loan, changing to 385 from 403, which is normal in our experience.

Transunion Score: 385

Personal Loan for a chaplain named Robbie in Sarasota County, Florida to Pay Off First National Bank Platinum Edition Visa Card

Robbie had a tonne of credit card debt on their Alabama Central Credit Union MasterCard and their Orvis Rewards Visa, and they were starting to get in over their heads. Despite Robbie’s job as a chaplain, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Contact Details for First State Bank of Sarasota County, the provider of this mortgage

  • First State Bank of Sarasota County
  • City: Sarasota County
  • State: Florida
  • Address: Blackburn Point Road & U.S. Hwy. 41
  • County: Sarasota
  • Zip code: 33559

Robbie was declined by Sun Bank/Palm Beach County, National Association 7 times prior to being approved by First State Bank of Sarasota County at Blackburn Point Road & U.S. Hwy. 41

On September 20, 2009, Robbie applied about borrowing $10,000 from Century Bank of Orange County with Davina, their in law from just outside Sarasota County, and even with the co-signer, Robbie was rejected for this mortgage. With bad credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Before applying for this mortgage, Robbie had an Experian score of 421, which is bad, so First State Bank of Sarasota County most likely cannot provide Robbie a mortgage

Experian Score: 421

Fast Loans for Robbie in Sarasota County, Florida to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Sarasota County, Florida aren’t actually that difficult to obtain, especially if you have some finesse like Robbie. Robbie was able to find a fast loan for $12000 from Century National Bank of Broward and Flagship Bank of Lake Alfred, but declined both offers in favor of their mortgage from First State Bank of Sarasota County. The difference with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big improvement in the case that a borrower is in a time sensitive situation.

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

Average debt consolidation loans vary from $39,000.00 to $49,000.00. They are typically used to pay off existing high interest loans like credit cards. Robbie required a debt consolidation loan to pay for their existing mortgage and their loan shark loan. Robbie was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.2%.

Paraphrased and Standardized Quote from Robbie for this mortgage of $12000, provided by First State Bank of Sarasota County

Hello, I am Robbie and I’m from Sarasota County in Florida. Sarasota, county is where I grew up, and now I need a mortgage in Florida for $12000 to pay bills. It has been difficult, but First State Bank of Sarasota County really came through for me with this loan for 6.2% interest APR and a term of 19 years. I can repay the loan over the 19 year term, including interest. A big thanks to First State Bank of Sarasota County for giving me a chance and my bad credit. It look me 4 years to build my credit to 403, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Signature Loan easily acquired in Sarasota County, Florida for $12000 with bad credit by Robbie

Many borrowers struggle with obtaining signature loans in Sarasota County, Florida, and Robbie is the same. Robbie went to 6 lenders or more prior to finding First State Bank of Sarasota County, who offered Robbie a signature loan for $12000. Typical signature loans simply require a client, like Robbie’s signature to get them, up to $42,000 in some cases. Robbie was able to get $12000 as a mortgage, which is very high for a mortgage. Because signature loans do not need collateral, they tend to require better credit, as high as 706

Previous requests on Robbie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$82130.00 3 11.7% $2716.14 NCNB National Bank of Florida October 25, 2012
$82320.00 11 10.6% $1058.78 Southeast Bank of Madison County, National Association May 8, 2014
$82260.00 7 7.5% $1261.73 Southeast Bank of Wildwood August 3, 2014
$81820.00 7 11.3% $1413.9 Atlantic Bank of Jacksonville April 17, 2015

When Robbie was 22, they tried to obtain a student loan from 7 alternate lenders, which damaged their credit score. Below is a chronology of Robbie’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on November 4, 2008
  • Attempt 2) Loan for $28,000.00 on January 31, 2011
  • Attempt 3) Loan for $32,000.00 on July 30, 2013
  • Attempt 4) Loan for $29,000.00 on November 21, 2012
  • Attempt 5) Loan for $37,000.00 on August 28, 2010
  • Attempt 6) Loan for $28,000.00 on December 15, 2012
  • Attempt 7) Loan for $39,000.00 on October 6, 2011

6 Months in the Past, Robbie Tried Finding a High Risk Loan for $47,000.00, and it was Hard

It is an existing struggle for borrowers to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Robbie. Robbie chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit applicants. Individuals with credit scores as low as 425 can inquire for a high risk loan and have a chance to be approved.

Installment loan for Robbie, a graduate of William Woods University and a chaplain working for over $69,000 per year

Robbie, an alumnus at William Woods University and a chaplain in Sarasota County, Florida wants a mortgage to purchase a house. Robbie has instead decided to get an installment loan for $6,000 and is currently seeking lenders like The First Bankers of Polk County to provide it.

Robbie has a sad current total income, but has several of prospects

Robbie has always wanted to be an insulation installer, but would have to attend William Woods University again to achieve it. Robbie has other possibilities as well, including newspaper/magazines writer, dry wall installer, and criminal lawyer, which pay $53,000 through to $93,000 per year, on average. Because of this, we think that Robbie can pay for this mortgage of $12000.

Robbie’s Overall FICO score at the time of acceptance for a mortgage, taking into account their chaplain job and their future job as an insulation installer

Fico Score: 403

Client Profile: Robbie Kubera of Sarasota County, Florida
  • Full name (Changed if requested): Robbie Kubera
  • Current Credit: loans.hit.utils.Fico@5910e440
  • Current City: Sarasota County
  • State: Florida
  • Zip code: 33565
  • Yearly income: $48,000
  • Current Job: chaplain
  • Current County: Sarasota
  • Goal Yearly Income: $91,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Conclusion of Robbie’s mortgage

In the end, Robbie was able to find a mortgage for $12000 with an interest rate of 7.5% interest APR from First State Bank of Sarasota County in Sarasota County, Florida repayable over 19 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.