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$70000 Home Loan With Good Credit In Ogden Utah

$70000 Home Loan – Ogden Utah, Credit Score Of 609

  • Experian: 624 – This individual had a good Experian score
  • Transunion: 592 – Lilliana had a good credit score with Transunion.
  • Equifax: Lilliana’s Experian score was 609, which is a good credit score using the Experian rating scheme.

Paraphrased and Standardized Quote from Lilliana for this home loan of $70000, provided by The Citizens Bank

Hi, I am Lilliana and I am from Ogden in Utah. Weber, county is where I grew up, and now I need a home loan in Utah for $70000 to buy a big ticket item. It wasn’t easy, but The Citizens Bank really came through for me with this loan for 10.4% interest APR and a term of 19 years. I will repay the loan over the 19 year term, including interest. A big thanks to The Citizens Bank for giving me a chance and my good credit. It look me 6 years to build my credit to 609, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Fast Loans for Lilliana in Ogden, Utah to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Ogden, Utah aren’t actually that difficult to obtain, particularly if you have some finesse like Lilliana. Lilliana was able to find a fast loan for $70000 from Central Bank and Community First Bank, but declined both offers in favor of their home loan from The Citizens Bank. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big improvement if a client is in a pinch.

Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $22,000.00 to $50,000.00. They are typically used to pay off existing high interest loans like credit cards. Lilliana needed a debt consolidation loan to pay for their existing home loan and their payday loan. Lilliana was able to find a home loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your less desirable, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.4%.

Lilliana’s Overall FICO score at the time of acceptance for a home loan, taking into account their casino dealer job and their future career as a dentist

Fico Score: 609

Before applying for this home loan, Lilliana had an Experian score of 624, which is good, so The Citizens Bank probably cannot provide Lilliana a home loan

Experian Score: 624

Lilliana was not approved by Bountiful State Bank 4 times prior to being approved by The Citizens Bank at 2144 Washington Boulevard

On September 19, 2013, Lilliana applied about borrowing $2,000 from Bank of American Fork with Roxana, their friend from just outside Ogden, and even with the co-signer, Lilliana was rejected for this home loan. With good credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Personal Loan for a casino dealer named Lilliana in Ogden, Utah to Pay Off Ashley Furniture HomeStore Credit Card

Lilliana had a lot of credit card debt on their Ace Rewards Visa Signature Card and their QuikTrip Credit Cards, and they were starting to get in over their heads. Despite Lilliana’s job as a casino dealer, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Lilliana’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$87430.00 9 6.7% $1080.19 Bank of Ephraim September 5, 2011
$87240.00 7 6.8% $1308.17 Gunnison Valley Bank January 3, 2013
$87120.00 3 5.6% $2634.6 The Helper State Bank July 18, 2014
$87460.00 6 8.5% $1554.9 Barnes Banking Company March 8, 2015

When Lilliana was 24, they tried to obtain a student loan from 5 different lenders, which damaged their credit rating. Below is a list of Lilliana’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on April 7, 2014
  • Attempt 2) Loan for $23,000.00 on November 11, 2012
  • Attempt 3) Loan for $32,000.00 on October 20, 2011
  • Attempt 4) Loan for $20,000.00 on April 19, 2011
  • Attempt 5) Loan for $38,000.00 on July 13, 2011
Client Profile: Lilliana Garelik of Ogden, Utah
  • Full name (Changed if requested): Lilliana Garelik
  • Current Credit: loans.hit.utils.Fico@4fca772d
  • Current City: Ogden
  • State: Utah
  • Zip code: 84402
  • Yearly income: $42,000
  • Current Job: casino dealer
  • Current County: Weber
  • Goal Yearly Income: $142,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Lilliana has a disappointing current total income, but has several of prospects

Lilliana has always wanted to be a dentist, but would have to attend Mildred Elley again to achieve it. Lilliana has other possibilities as well, including industrial-organizational psychologist, computer and information scientists, and elevator mechanic, which pay $50,000 through to $104,000 per year, at least. For this reason, we believe that Lilliana can pay for this home loan of $70000.

Multiple past requests for credit have been made by Lilliana in the past, including one from The Farmers & Merchants Bank in Ogden, Utah before Lilliana was approved for the $70000 by The Citizens Bank

Lilliana made 7 prior attempts to obtain a home loan, 2 of which were with The Farmers & Merchants Bank, a lending institution in Ogden, Utah known to specialize in home loans specifically. Prior to finding The Citizens Bank, Lilliana was very concerned due to their inexperience and good credit rating.

Lilliana’s Transunion score was changed by the home loan loan, changing to 592 from 609, which is normal in our experience.

Transunion Score: 592

6 Months in the Past, Lilliana Attempted to Find a High Risk Loan for $41,000.00, and it was Easy

There is an well known struggle for borrowers to find high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Lilliana. Lilliana chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Borrowers with credit scores as low as 332 can apply for a high risk loan and may be be accepted.

Installment loan for Lilliana, a graduate of Mildred Elley and a casino dealer working for over $69,000 per year

Lilliana, an alumnus at Mildred Elley and a casino dealer in Ogden, Utah wants a home loan to purchase something frivolous. Lilliana has instead decided to obtain an installment loan for $3,000 and is at present seeking lenders like First Interstate Bank of Utah, National Association to provide it.

Signature Loan found in Ogden, Utah for $70000 with good credit by Lilliana

Most borrowers have difficulty with finding signature loans in Ogden, Utah, and Lilliana is the same. Lilliana went to 5 lenders or more before finding The Citizens Bank, who offered Lilliana a signature loan for $70000. Most signature loans simply require a client, like Lilliana’s signature to obtain them, up to $23,000 in some cases. Lilliana was able to get $70000 as a home loan, which is very high for a home loan. Since signature loans do not require collateral, they generally need higher credit, as high as 793

Contact Details for The Citizens Bank, the provider of this home loan

  • The Citizens Bank
  • City: Ogden
  • State: Utah
  • Address: 2144 Washington Boulevard
  • County: Weber
  • Zip code: 84401

Conclusion of Lilliana’s home loan

In the end, Lilliana was able to find a home loan for $70000 with an interest rate of 6.0% interest APR from The Citizens Bank in Ogden, Utah repayable over 19 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.