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$108000 Home Loan In La Crosse Kansas With Credit Score 350 For Kelsi

$108000 Home Loan – La Crosse Kansas, Credit Score Of 350

  • Experian: 369 – They had a terrible Experian rating
  • Transunion: 336 – Kelsi had a terrible credit score with Transunion.
  • Equifax: Kelsi’s Experian score was 350, which is a terrible credit score with the Experian system.

When Kelsi was 18, they attempted to obtain a student loan from 7 alternate banks, which harmed their credit rating. Below is a chronology of Kelsi’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on June 10, 2013
  • Attempt 2) Loan for $24,000.00 on June 1, 2010
  • Attempt 3) Loan for $38,000.00 on April 6, 2010
  • Attempt 4) Loan for $27,000.00 on November 17, 2010
  • Attempt 5) Loan for $33,000.00 on July 23, 2009
  • Attempt 6) Loan for $34,000.00 on July 31, 2012
  • Attempt 7) Loan for $26,000.00 on April 15, 2014

Kelsi has a sad current total income, but has a large amount of prospects

Kelsi has always wanted to be a harbor, but would have to attend Iowa Central Community College again to achieve it. Kelsi has other possibilities as well, including recreational vehicle mechanic, sport psychologist, and social psychologist, which pay $59,000 through to $99,000 per year, on average. For this reason, we believe that Kelsi can pay for this home loan of $108000.

Signature Loan found in La Crosse, Kansas for $108000 with terrible credit by Kelsi

A lot of clients have difficulty with obtaining signature loans in La Crosse, Kansas, and Kelsi is not an exception. Kelsi went to 4 lending institutions or more prior to settling on The Farmers and Merchants State Bank of Rush County, who offered Kelsi a signature loan for $108000. Most signature loans simply require a client, like Kelsi’s signature to get them, up to $21,000 in some cases. Kelsi was able to get $108000 as a home loan, which is very high for a home loan. Since signature loans don’t need a cosigner, these loans generally require improved credit, as high as 747

Kelsi’s Transunion score was changed by the home loan loan, changing to 336 from 350, which is normal in our experience.

Transunion Score: 336

Kelsi was rejected by The Mission State Bank & Trust Company 7 times prior to being approved by The Farmers and Merchants State Bank of Rush County at 801 Main Street

On October 19, 2012, Kelsi applied about borrowing $7,000 from The Fidelity State Bank with Tera, their friend from just outside La Crosse, and even with the co-signer, Kelsi was rejected for this home loan. With terrible credit, it can be challenging to procure financing, even with collateral and a co-signer.

Previous requests on Kelsi’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$21140.00 10 6.4% $238.97 Citizens Bank and Trust Company May 24, 2013
$20740.00 11 5.7% $211.85 The Morrill and Janes Bank and Trust Company June 15, 2014
$20540.00 7 11.2% $353.86 The Citizens State Bank, Liberal, Kansas July 25, 2014
$21380.00 3 7.3% $663.09 Citizens State Bank February 17, 2015
Client Profile: Kelsi Chestand of La Crosse, Kansas
  • Full name (Changed if requested): Kelsi Chestand
  • Current Credit: loans.hit.utils.Fico@7c3df479
  • Current City: La Crosse
  • State: Kansas
  • Zip code: 67552
  • Yearly income: $67,000
  • Current Job: newspaper/magazines writer
  • Current County: Rush
  • Goal Yearly Income: $122,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

8 Months in the Past, Kelsi Tried Finding a High Risk Loan for $39,000.00, and it was Easy

There is an ongoing struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Kelsi. Kelsi chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit clients. Clients with credit scores as low as 546 can apply for a high risk loan and have a chance to be accepted.

Paraphrased and Standardized Quote from Kelsi for this home loan of $108000, provided by The Farmers and Merchants State Bank of Rush County

Hello, I am Kelsi and my hometown is La Crosse in Kansas. Rush, county is where I grew up, and now I need a home loan in Kansas for $108000 to pay bills. It has been difficult, but The Farmers and Merchants State Bank of Rush County really came through for me with this loan for 7.6% interest APR and a term of 12 years. I will repay the loan over the 12 year term, including interest. A big thanks to The Farmers and Merchants State Bank of Rush County for trusting me and my terrible credit. It look me 9 years to create my credit to 350, and I won’t harm it any future. I’m pleased with Find Texas Loans for helping me this far.

Multiple past requests for credit have been made by Kelsi in the past, including one from First Union Bank of Screven County in La Crosse, Kansas before Kelsi was accepted for the $108000 by The Farmers and Merchants State Bank of Rush County

Kelsi made 6 prior attempts to obtain a home loan, 2 of which were with First Union Bank of Screven County, a lender in La Crosse, Kansas known to specialize in home loans specifically. Before finding The Farmers and Merchants State Bank of Rush County, Kelsi was concerned due to their inexperience and terrible credit rating.

Installment loan for Kelsi, a graduate of Iowa Central Community College and a newspaper/magazines writer working for over $72,000 per year

Kelsi, an alumnus at Iowa Central Community College and a newspaper/magazines writer in La Crosse, Kansas wants a home loan to purchase a new cell phone. Kelsi has instead decided to obtain an installment loan for $21,000 and is at present seeking lenders like The Farmers State Bank of Oakley, Kansas to provide it.

Contact Details for The Farmers and Merchants State Bank of Rush County, the provider of this home loan

  • The Farmers and Merchants State Bank of Rush County
  • City: La Crosse
  • State: Kansas
  • Address: 801 Main Street
  • County: Rush
  • Zip code: 67548

Kelsi’s Overall FICO score at the time of acceptance for a home loan, taking into account their newspaper/magazines writer job and their future job as a harbor

Fico Score: 350

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans vary from $39,000.00 to $49,000.00. They are mainly used to pay off existing high interest loans like credit cards. Kelsi needed a debt consolidation loan to pay for their existing home loan and their loan shark loan. Kelsi 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 less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.1%.

Before applying for this home loan, Kelsi had an Experian score of 369, which is terrible, so The Farmers and Merchants State Bank of Rush County likely cannot provide Kelsi a home loan

Experian Score: 369

Personal Loan for a newspaper/magazines writer named Kelsi in La Crosse, Kansas to Pay Off RBC U.S. Dollar Visa Gold

Kelsi had a lot of credit card debt on their Wired Plastic Visa Prepaid Card and their First Niagara Pinnacle WORLD MasterCard, and they were starting to get in over their heads. Despite Kelsi’s job as a newspaper/magazines writer, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Fast Loans for Kelsi in La Crosse, Kansas to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in La Crosse, Kansas aren’t actually that difficult to obtain, particularly if you have some finesse like Kelsi. Kelsi was able to find a fast loan for $108000 from Fidelity State Bank and Trust Company and Citizens State Bank, but declined both offers in favor of their home loan from The Farmers and Merchants State Bank of Rush County. 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 7 weeks for installment loans. An improvement if a client is in a pinch.

Conclusion of Kelsi’s home loan

In the end, Kelsi was able to find a home loan for $108000 with an interest rate of 8.6% interest APR from The Farmers and Merchants State Bank of Rush County in La Crosse, Kansas repayable over 12 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.