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Mortgage With Low APR In St. Croix County, Wisconsin

$3000 Mortgage – Roberts Wisconsin, Credit Score Of 812

  • Experian: 830 – This individual had an excellent Experian rating
  • Transunion: 799 – Eboni had an excellent credit rating with Transunion.
  • Equifax: Eboni’s Experian score was 812, which is an excellent credit rating on the Experian system.
Client Profile: Eboni Harer of Roberts, Wisconsin
  • Full name (Changed if requested): Eboni Harer
  • Current Credit: loans.hit.utils.Fico@69663380
  • Current City: Roberts
  • State: Wisconsin
  • Zip code: 54027
  • Yearly income: $41,000
  • Current Job: graduate teaching assistant
  • Current County: St. Croix
  • Goal Yearly Income: $87,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Previous requests on Eboni’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$138250.00 9 9.3% $1894.36 M&I Bank of Burlington August 26, 2010
$138190.00 8 7.2% $1897.83 M&I Marshall and Ilsley Bank December 13, 2012
$138270.00 4 11.3% $3593.84 Continental Bank & Trust Co. January 25, 2014
$138160.00 8 8.6% $1995.52 Clare Bank, National Association May 26, 2015

When Eboni was 24, they tried to obtain a student loan from 4 different lenders, which damaged their credit score. Below is a chronology of Eboni’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on December 19, 2011
  • Attempt 2) Loan for $30,000.00 on May 12, 2013
  • Attempt 3) Loan for $29,000.00 on February 29, 2012
  • Attempt 4) Loan for $26,000.00 on April 4, 2010

Eboni’s Overall FICO score at the time of acceptance for a mortgage, taking into account their graduate teaching assistant job and their future job as a property accountant

Fico Score: 812

Eboni has a disappointing current yearly income, but has a large amount of prospects

Eboni has always wanted to be a property accountant, but would have to attend California State University – Fullerton again to become one. Eboni has other prospects as well, including teachers aide, environmental science technician, and foreign language teacher, which pay $56,000 through to $90,000 per year, at least. Because of this, we believe that Eboni can afford this mortgage of $3000.

Multiple past requests for credit have been made by Eboni in the past, including one from Strategic Capital Bank in Roberts, Wisconsin before Eboni was accepted for the $3000 by Bank St. Croix

Eboni made 8 previous tries to obtain a mortgage, 2 of which were with Strategic Capital Bank, a lender in Roberts, Wisconsin known to specialize in mortgages specifically. Prior to finding Bank St. Croix, Eboni was concerned due to their inexperience and excellent credit score.

Eboni was not approved by Baylake Bank 5 times before being granted funding by Bank St. Croix at 500 West Boulevard

On September 24, 2011, Eboni applied about borrowing $4,000 from The Bank of Brodhead with Sydney, their in law from just outside Roberts, and even with the co-signer, Eboni was rejected for this mortgage. With excellent credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Eboni for this mortgage of $3000, provided by Bank St. Croix

Hello, I am Eboni and I am from Roberts in Wisconsin. St. Croix, county is where I grew up, and now I need a mortgage in Wisconsin for $3000 to renovate my home. It wasn’t easy, but Bank St. Croix really came through for me with this loan for 8.4% interest APR and a term of 1 years. I can probably repay the loan over the 1 year term, including interest. A big thanks to Bank St. Croix for giving me a chance and my excellent credit. It look me 5 years to build my credit to 812, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

Personal Loan for a graduate teaching assistant named Eboni in Roberts, Wisconsin to Pay Off Texas A&M Alumni Credit Card

Eboni had a lot of credit card debt on their Meijer Prepaid MasterCard and their Key Bank Platinum MasterCard, and they were starting to get in over their heads. Despite Eboni’s job as a graduate teaching assistant, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Installment loan for Eboni, a graduate of California State University – Fullerton and a graduate teaching assistant working for over $72,000 per year

Eboni, an alumnus at California State University – Fullerton and a graduate teaching assistant in Roberts, Wisconsin wants a mortgage to purchase a car. Eboni has instead chosen to obtain an installment loan for $5,000 and is currently seeking lenders like Markesan State Bank to provide it.

9 Months Ago, Eboni Tried to Find a High Risk Loan for $38,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for clients to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Eboni. Eboni chose not to get a high risk loan this time. High Risk loans are given to very low credit individuals. Borrowers with credit ratings as low as 411 can apply for a high risk loan and have a chance to be accepted.

Signature Loan easily acquired in Roberts, Wisconsin for $3000 with excellent credit by Eboni

Most clients have difficulty with finding signature loans in Roberts, Wisconsin, and Eboni is no different. Eboni went to 4 lenders or more before settling on Bank St. Croix, who offered Eboni a signature loan for $3000. Most signature loans simply require a client, like Eboni’s signature to get them, up to $43,000 in some cases. Eboni was able to get $3000 as a mortgage, which is very high for a mortgage. Because signature loans do not require a cosigner, these loans tend to need higher credit, as high as 730

Contact Details for Bank St. Croix, the provider of this mortgage

  • Bank St. Croix
  • City: Roberts
  • State: Wisconsin
  • Address: 500 West Boulevard
  • County: St. Croix
  • Zip code: 54023

Before applying for this mortgage, Eboni had an Experian score of 830, which is excellent, so Bank St. Croix probably cannot provide Eboni a mortgage

Experian Score: 830

Fast Loans for Eboni in Roberts, Wisconsin to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Roberts, Wisconsin aren’t actually that difficult to obtain, particularly if you have some finesse like Eboni. Eboni was able to find a fast loan for $3000 from Markesan State Bank and Citizens State Bank, but declined both offers in favor of their mortgage from Bank St. Croix. 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 7 weeks for installment loans. A big difference in the case that a client is in a time sensitive situation.

Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $33,000.00 to $48,000.00. They are typically used to pay off existing high interest loans like credit cards. Eboni required a debt consolidation loan to pay for their existing mortgage and their payday loan. Eboni was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.2%.

Eboni’s Transunion score was altered by the mortgage loan, changing to 799 from 812, which is normal in our experience.

Transunion Score: 799

Conclusion of Eboni’s mortgage

In the end, Eboni was able to find a mortgage for $3000 with an interest rate of 5.7% interest APR from Bank St. Croix in Roberts, Wisconsin repayable over 1 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.