$141000 Home Loan – San Diego California, Credit Rating Of 481
- Experian: 495 – This client had a bad Experian score
- Transunion: 462 – Kerry had a bad credit score with Transunion.
- Equifax: Kerry’s Experian score was 481, which is a bad credit score with the Experian system.
Fast Loans for Kerry in San Diego, California to prevent bankruptcy or broken legs from debt collectors.
Fast loans in San Diego, California aren’t actually that difficult to obtain, especially if you have some finesse like Kerry. Kerry was able to find a fast loan for $141000 from First Northern Bank of Dixon and Bank of Stockton, but turned down both offers in favor of their home loan from Landmark Thrift and Loan Association. The improvement with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. Much better in the case that a client is on the go.
9 Months Ago, Kerry Attempted Finding a High Risk Loan for $48,000.00, and it was Easy
There is an ongoing 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 scary to borrowers like Kerry. Kerry decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Borrowers with credit scores as low as 523 can apply for a high risk loan and possibly can be accepted.
- Full name (Changed if requested): Kerry Baccus
- Current Credit: loans.hit.utils.Fico@1a86f2f1
- Current City: San Diego
- State: California
- Zip code: 92121
- Yearly income: $69,000
- Current Job: mining shovel machine operator
- Current County: San Diego
- Goal Yearly Income: $90,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000
Installment loan for Kerry, a graduate of University of Chicago and a mining shovel machine operator working for over $62,000 per year
Kerry, an alumnus at University of Chicago and a mining shovel machine operator in San Diego, California wants a home loan to purchase a new cell phone. Kerry has instead decided to obtain an installment loan for $8,000 and is currently seeking lenders like Citizens Bank of Roseville to provide it.
When Kerry was 24, they tried to obtain a student loan from 7 different banks, which harmed their credit rating. Below is a list of Kerry’s prior attempts at finding a student loan:
- Attempt 1) Loan for $30,000.00 on November 26, 2008
- Attempt 2) Loan for $27,000.00 on November 27, 2009
- Attempt 3) Loan for $21,000.00 on May 19, 2012
- Attempt 4) Loan for $24,000.00 on June 11, 2011
- Attempt 5) Loan for $20,000.00 on November 15, 2012
- Attempt 6) Loan for $30,000.00 on September 27, 2012
- Attempt 7) Loan for $39,000.00 on March 12, 2013
Kerry’s Transunion score was altered by the home loan loan, changing to 462 from 481, which is typical in our experience.
Contact Details for Landmark Thrift and Loan Association, the provider of this home loan
- Landmark Thrift and Loan Association
- City: San Diego
- State: California
- Address: 8666 Lake Murray Boulevard
- County: San Diego
- Zip code: 92119
Kerry was declined by United States National Bank 5 times before being accepted by Landmark Thrift and Loan Association at 8666 Lake Murray Boulevard
On February 17, 2013, Kerry inquired about borrowing $2,000 from Citizens Commercial Trust and Savings Bank of Pasadena with Jaleesa, their friend from just outside San Diego, and even with the co-signer, Kerry was rejected for this home loan. With bad credit, it can be difficult to obtain financing, even with collateral and a co-signer.
Kerry has a very low current yearly income, but has a high number of prospects
Kerry has always wanted to be a probation officer, but would need attend University of Chicago again to become one. Kerry has other possibilities as well, including library assistant, quality control engineer, and printing/graphic arts reproduction technician, which pay $58,000 through to $93,000 per year, on average. Because of this, we think that Kerry can pay for this home loan of $141000.
Previous requests on Kerry’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$38670.00||11||7.4%||$429.04||Santa Monica Bank||May 14, 2011|
|$38670.00||3||5.4%||$1165.93||Farmers and Merchants Bank of Long Beach||March 25, 2013|
|$38580.00||6||7.2%||$661.46||First Interstate Bank of California||November 25, 2014|
|$39210.00||4||8.6%||$968.31||Union Bank||January 20, 2015|
Paraphrased and Standardized Quote from Kerry for this home loan of $141000, provided by Landmark Thrift and Loan Association
Hi, I am Kerry and I am from San Diego in California. San Diego, county is where I grew up, and now I need a home loan in California for $141000 to avoid bankruptcy. It wasn’t easy, but Landmark Thrift and Loan Association really came through for me with this loan for 5.0% interest APR and a term of 8 years. I can repay the loan over the 8 year term, including interest. A big thanks to Landmark Thrift and Loan Association for trusting me and my bad credit. It look me 6 years to build my credit to 481, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.
Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans range from $24,000.00 to $59,000.00. They are normally used to pay off existing high interest loans like credit cards. Kerry needed a debt consolidation loan to pay for their existing home loan and their credit card. Kerry was able to find a home loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which transfers your bad, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.4%.
Personal Loan for a mining shovel machine operator named Kerry in San Diego, California to Pay Off BrylaneHome Credit Card
Kerry had a lot of credit card debt on their Club CarlsonSM Rewards Visa Signature Card and their Metrostyle Credit Card, and they were starting to get in over their heads. Despite Kerry’s job as a mining shovel machine operator, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Before applying for this home loan, Kerry had an Experian score of 495, which is bad, so Landmark Thrift and Loan Association most likely cannot provide Kerry a home loan
Kerry’s Overall FICO score at the time of acceptance for a home loan, taking into account their mining shovel machine operator job and their future job as a probation officer
Signature Loan acquired in San Diego, California for $141000 with bad credit by Kerry
Most clients struggle with obtaining signature loans in San Diego, California, and Kerry is no different. Kerry went to 7 lending institutions or more prior to finding Landmark Thrift and Loan Association, who offered Kerry a signature loan for $141000. Most signature loans simply need a client, like Kerry’s signature to get them, up to $35,000 in some cases. Kerry was able to get $141000 as a home loan, which is very high for a home loan. Because signature loans don’t require a cosigner, these loans generally need better credit, as high as 770
Multiple previous requests for credit have been made by Kerry in the past, including one from NCNB National Bank of South Carolina in San Diego, California before Kerry was accepted for the $141000 by Landmark Thrift and Loan Association
Kerry made 6 previous tries to obtain a home loan, 2 of which were with NCNB National Bank of South Carolina, a bank in San Diego, California known to specialize in home loans specifically. Prior to finding Landmark Thrift and Loan Association, Kerry was desperate due to their inexperience and bad credit score.
Conclusion of Kerry’s home loan
In the end, Kerry was able to find a home loan for $141000 with an interest rate of 7.8% interest APR from Landmark Thrift and Loan Association in San Diego, California repayable over 8 years from now.