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Home Loan Of $78000 For Fair Credit Wisconsin Resident

$78000 Home Loan – Viroqua Wisconsin, Credit Score Of 556

  • Experian: 571 – The client had a fair Experian rating
  • Transunion: 539 – Yolande had a fair credit score with Transunion.
  • Equifax: Yolande’s Experian score was 556, which is a fair credit score using the Experian scale.

Fast Loans for Yolande in Viroqua, Wisconsin to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Viroqua, Wisconsin aren’t actually that difficult to obtain, especially if you have some gumption like Yolande. Yolande was able to find a fast loan for $78000 from M&I Bay View State Bank and Red Cedar Bank National Association, but turned down both offers in favor of their home loan from First National Bank in Viroqua. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. Much better if a client is in a pinch.

Client Profile: Yolande Railey of Viroqua, Wisconsin
  • Full name (Changed if requested): Yolande Railey
  • Current Credit: loans.hit.utils.Fico@1f17ae12
  • Current City: Viroqua
  • State: Wisconsin
  • Zip code: 54669
  • Yearly income: $63,000
  • Current Job: computer controlled machine tool operator
  • Current County: Vernon
  • Goal Yearly Income: $124,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Many previous requests for credit have been made by Yolande in the past, including one from Northeastern Bank in Viroqua, Wisconsin before Yolande was accepted for the $78000 by First National Bank in Viroqua

Yolande made 8 previous tries to obtain a home loan, 2 of which were with Northeastern Bank, a lending institution in Viroqua, Wisconsin known to specialize in home loans specifically. Prior to finding First National Bank in Viroqua, Yolande was concerned due to their inexperience and fair credit score.

Signature Loan acquired in Viroqua, Wisconsin for $78000 with fair credit by Yolande

Many borrowers struggle with obtaining signature loans in Viroqua, Wisconsin, and Yolande is not an exception. Yolande went to 8 lenders or more before settling on First National Bank in Viroqua, who offered Yolande a signature loan for $78000. Most signature loans simply need a client, like Yolande’s signature to obtain them, up to $28,000 in some cases. Yolande was able to get $78000 as a home loan, which is very high for a home loan. Because signature loans don’t require collateral, these loans tend to require higher credit, as high as 730

6 Months in the Past, Yolande Attempted Finding a High Risk Loan for $32,000.00, and it was Easy

It is an ongoing struggle for borrowers to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Yolande. Yolande decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Clients with credit ratings as low as 451 can apply for a high risk loan and may be be approved.

Yolande was not approved by First Bank Southeast, National Association 4 times prior to being approved by First National Bank in Viroqua at 101 South Main Street

On October 29, 2008, Yolande applied about borrowing $44,000 from The Bank of Brodhead with Tatyana, their in law from just outside Viroqua, and even with the co-signer, Yolande was rejected for this home loan. With fair credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Installment loan for Yolande, a graduate of Design’s School of Cosmetology and a computer controlled machine tool operator working for over $79,000 per year

Yolande, an alumnus at Design’s School of Cosmetology and a computer controlled machine tool operator in Viroqua, Wisconsin wants a home loan to purchase a house. Yolande has instead decided to get an installment loan for $21,000 and is at present seeking lenders like M&I Bank of Burlington to process their request.

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans vary from $31,000.00 to $43,000.00. They are typically used to pay off existing high interest loans like credit cards. Yolande needed a debt consolidation loan to pay for their existing home loan and their loan shark loan. Yolande was able to find a home loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.3%.

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

  • First National Bank in Viroqua
  • City: Viroqua
  • State: Wisconsin
  • Address: 101 South Main Street
  • County: Vernon
  • Zip code: 54665

Yolande’s Transunion score was changed by the home loan loan, changing to 539 from 556, which is typical in our experience.

Transunion Score: 539

When Yolande was 19, they tried to obtain a student loan from 4 different lenders, which harmed their credit rating. Below is a chronology of Yolande’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on July 20, 2012
  • Attempt 2) Loan for $22,000.00 on October 16, 2011
  • Attempt 3) Loan for $36,000.00 on April 4, 2009
  • Attempt 4) Loan for $37,000.00 on June 27, 2011

Paraphrased and Standardized Quote from Yolande for this home loan of $78000, provided by First National Bank in Viroqua

Hello, I am Yolande and I’m from Viroqua in Wisconsin. Vernon, county is where I grew up, and now I need a home loan in Wisconsin for $78000 to renovate my home. It wasn’t easy, but First National Bank in Viroqua really came through for me with this loan for 10.6% interest APR and a term of 6 years. I will repay the loan over the 6 year term, including interest. A big thanks to First National Bank in Viroqua for giving me a chance and my fair credit. It look me 5 years to build my credit to 556, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.

Yolande’s Overall FICO score at the time of acceptance for a home loan, taking into account their computer controlled machine tool operator job and their future job as a market research analyst

Fico Score: 556

Personal Loan for a computer controlled machine tool operator named Yolande in Viroqua, Wisconsin to Pay Off First Niagara Pinnacle Platinum MasterCard

Yolande had a tonne of credit card debt on their Fulton Bank Visa Platinum Card and their BankAtlantic World MasterCard with Rewards, and they were starting to get in over their heads. Despite Yolande’s job as a computer controlled machine tool operator, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Yolande has a sad current gross income, but has a high number of prospects

Yolande has always wanted to be a market research analyst, but would need attend Design’s School of Cosmetology again to achieve it. Yolande has other prospects as well, including library consultant, chemical equipment operator, and forest fire inspector, which pay $53,000 through to $100,000 per year, at least. For this reason, we think that Yolande can pay for this home loan of $78000.

Before applying for this home loan, Yolande had an Experian score of 571, which is fair, so First National Bank in Viroqua probably cannot provide Yolande a home loan

Experian Score: 571

Previous requests on Yolande’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$28570.00 9 8.6% $380.89 M&I Bank of Burlington May 5, 2011
$29130.00 10 5.4% $314.7 M&I Marshall and Ilsley Bank October 12, 2011
$28690.00 8 6.2% $379.83 Continental Bank & Trust Co. June 13, 2013
$29180.00 11 6.2% $305.49 Clare Bank, National Association June 15, 2014

Conclusion of Yolande’s home loan

In the end, Yolande was able to find a home loan for $78000 with an interest rate of 7.7% interest APR from First National Bank in Viroqua in Viroqua, Wisconsin repayable over 6 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.