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3 Month, Variable Interest Home Loan For Sue In Missouri

$36000 Home Loan – Houston Missouri, Credit Score Of 702

  • Experian: 712 – They had a good Experian score
  • Transunion: 686 – Sue had a good credit rating with Transunion.
  • Equifax: Sue’s Experian score was 702, which is a good credit score with the Experian system.

9 Months Ago, Sue Tried Finding a High Risk Loan for $31,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for clients to find high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Sue. Sue chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Individuals with credit ratings as low as 422 can apply for a high risk loan and have a chance to be accepted.

Installment loan for Sue, a graduate of Florida Christian College and a foreign language teacher working for over $68,000 per year

Sue, an alumnus at Florida Christian College and a foreign language teacher in Houston, Missouri needs a home loan to purchase a car. Sue has instead decided to get an installment loan for $4,000 and is at present seeking lenders like Mercantile Bank National Association to provide it.

Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $25,000.00 to $47,000.00. They are typically used to pay off existing high interest loans like credit cards. Sue required a debt consolidation loan to pay for their existing home loan and their loan shark loan. Sue was able to find a home loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 2.2%.

Signature Loan acquired in Houston, Missouri for $36000 with good credit by Sue

Most clients struggle with finding signature loans in Houston, Missouri, and Sue is the same. Sue went to 6 lending institutions or more before settling on First National Bank, who offered Sue a signature loan for $36000. Typical signature loans simply require a client, like Sue’s signature to get them, up to $22,000 in some cases. Sue was able to get $36000 as a home loan, which is very high for a home loan. Since signature loans don’t need a cosigner, they tend to require better credit, as high as 798

When Sue was 19, they tried to obtain a student loan from 6 different banks, which damaged their credit rating. Below is a chronology of Sue’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on December 16, 2009
  • Attempt 2) Loan for $28,000.00 on May 13, 2010
  • Attempt 3) Loan for $33,000.00 on November 29, 2013
  • Attempt 4) Loan for $24,000.00 on July 18, 2009
  • Attempt 5) Loan for $22,000.00 on July 19, 2013
  • Attempt 6) Loan for $34,000.00 on January 1, 2009

Before applying for this home loan, Sue had an Experian score of 712, which is good, so First National Bank likely cannot provide Sue a home loan

Experian Score: 712

Sue has a low current total income, but has a large amount of prospects

Sue has always wanted to be an insurance agent, but would have to attend Florida Christian College again to become one. Sue has other prospects as well, including medical records technician, mine inspector, and mechanical engineering technician, which pay $56,000 through to $99,000 per year, on average. For this reason, we believe that Sue can afford this home loan of $36000.

Fast Loans for Sue in Houston, Missouri to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Houston, Missouri aren’t actually that difficult to obtain, particularly if you have some gumption like Sue. Sue was able to find a fast loan for $36000 from Commerce Bank of Mound City and Cass Commercial Bank, but turned down both offers in favor of their home loan from First National Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big difference if a borrower is in a time sensitive situation.

Previous requests on Sue’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$52120.00 6 7.7% $906.22 Camden County Bank April 22, 2011
$51810.00 11 6.4% $547.74 Glasgow Savings Bank May 27, 2014
$52270.00 11 6.1% $544.55 Central Bank January 3, 2015
$52160.00 4 10.4% $1332.95 Midwest BankCentre July 3, 2015
$51820.00 11 7.6% $580.45 Commerce Bank of Richmond Heights August 7, 2015

Contact Details for First National Bank, the provider of this home loan

  • First National Bank
  • City: Houston
  • State: Missouri
  • Address: 1458 South Highway 63
  • County: Texas
  • Zip code: 65483

Sue’s Transunion score was changed by the home loan loan, changing to 686 from 702, which is typical in our experience.

Transunion Score: 686

Sue was rejected by Mercantile Bank of West Central Missouri 4 times before being accepted by First National Bank at 1458 South Highway 63

On November 7, 2010, Sue applied about borrowing $18,000 from Commerce Bank of Moberly, National Association with Lisha, their in law from just outside Houston, and even with the co-signer, Sue was rejected for this home loan. With good credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Many past requests for credit have been made by Sue in the past, including one from First Federal Savings and Loan Association in Houston, Missouri before Sue was approved for the $36000 by First National Bank

Sue made 7 previous attempts to obtain a home loan, 2 of which were with First Federal Savings and Loan Association, a lending institution in Houston, Missouri known to specialize in home loans specifically. Before finding First National Bank, Sue was desperate due to their inexperience and good credit score.

Sue’s Overall FICO score at the time of acceptance for a home loan, taking into account their foreign language teacher job and their future career as an insurance agent

Fico Score: 702

Client Profile: Sue Decarvalho of Houston, Missouri
  • Full name (Changed if requested): Sue Decarvalho
  • Current Credit: loans.hit.utils.Fico@67424e82
  • Current City: Houston
  • State: Missouri
  • Zip code: 65488
  • Yearly income: $63,000
  • Current Job: foreign language teacher
  • Current County: Texas
  • Goal Yearly Income: $86,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Paraphrased and Standardized Quote from Sue for this home loan of $36000, provided by First National Bank

Hello, I am Sue and I am from Houston in Missouri. Texas, county is where I grew up, and now I need a home loan in Missouri for $36000 to pay bills. It wasn’t easy, but First National Bank really came through for me with this loan for 7.4% interest APR and a term of 3 years. I can probably repay the loan over the 3 year term, including interest. A big thanks to First National Bank for giving me a chance and my good credit. It look me 7 years to build my credit to 702, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.

Personal Loan for a foreign language teacher named Sue in Houston, Missouri to Pay Off Sovereign Bank Business Platinum Card from American Express OPEN

Sue had a lot of credit card debt on their Polaris Visa Credit Card and their American State Bank MasterCard, and they were starting to get in over their heads. Despite Sue’s job as a foreign language teacher, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Conclusion of Sue’s home loan

In the end, Sue was able to find a home loan for $36000 with an interest rate of 6.4% interest APR from First National Bank in Houston, Missouri repayable over 3 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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