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$14000 Home Loan With Terrible Credit In Henrico County Virginia

$14000 Home Loan – Henrico County Virginia, Credit Rating Of 316

  • Experian: 329 – This individual had a terrible Experian rating
  • Transunion: 299 – Sherell had a terrible credit score with Transunion.
  • Equifax: Sherell’s Experian score was 316, which is a terrible credit rating using the Experian scale.

Sherell’s Transunion score was changed by the home loan loan, changing to 299 from 316, which is normal in our experience.

Transunion Score: 299

Sherell’s Overall FICO score at the time of acceptance for a home loan, taking into account their property assessor job and their future career as a catering administrator

Fico Score: 316

Sherell has a very low current total income, but has a large amount of prospects

Sherell has always wanted to be a catering administrator, but would have to attend University of Missouri – Kansas City again to become one. Sherell has other possibilities as well, including purchasing agent, personnel administrator, and equal opportunity representative, which pay $57,000 through to $104,000 per year, at least. Because of this, we believe that Sherell can pay for this home loan of $14000.

Paraphrased and Standardized Quote from Sherell for this home loan of $14000, provided by NB Bank of Richmond

Hello, I am Sherell and I am from Henrico County in Virginia. Henrico, county is where I grew up, and now I need a home loan in Virginia for $14000 to buy a car. It has been difficult, but NB Bank of Richmond really came through for me with this loan for 5.5% interest APR and a term of 15 years. I can probably repay the loan over the 15 year term, including interest. A big thanks to NB Bank of Richmond for trusting me and my terrible credit. It look me 7 years to build my credit to 316, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

When Sherell was 23, they tried to obtain a student loan from 4 different lenders, which damaged their credit rating. Below is a list of Sherell’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on February 3, 2010
  • Attempt 2) Loan for $33,000.00 on April 19, 2009
  • Attempt 3) Loan for $30,000.00 on October 25, 2008
  • Attempt 4) Loan for $24,000.00 on October 23, 2010

Personal Loan for a property assessor named Sherell in Henrico County, Virginia to Pay Off EverCard Visa Platinum Credit Card

Sherell had a lot of credit card debt on their Lord & Taylor Credit Card and their Harley Davidson Visa Secured Card, and they were starting to get in over their heads. Despite Sherell’s job as a property assessor, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this home loan, Sherell had an Experian score of 329, which is terrible, so NB Bank of Richmond probably cannot provide Sherell a home loan

Experian Score: 329

Previous requests on Sherell’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$141280.00 11 9.3% $1713.32 Citizens Bank and Trust Company May 22, 2009
$140690.00 5 5.3% $2674.37 Peoples Community Bank August 16, 2010
$140510.00 5 5.7% $2696.89 Crestar Bank November 14, 2011
$140850.00 4 5.6% $3282.1 The Merchants and Farmers Bank September 19, 2013

Contact Details for NB Bank of Richmond, the provider of this home loan

  • NB Bank of Richmond
  • City: Henrico County
  • State: Virginia
  • Address: 2702 Parham Road
  • County: Henrico
  • Zip code: 23208

Fast Loans for Sherell in Henrico County, Virginia to prevent bankruptcy or harm from debt collectors.

Fast loans in Henrico County, Virginia aren’t actually that difficult to obtain, especially if you have some gumption like Sherell. Sherell was able to find a fast loan for $14000 from Farmers Bank and Bank of Botetourt, but declined both offers in favor of their home loan from NB Bank of Richmond. The difference 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 installment loans. A big difference if a borrower is on the go.

Signature Loan easily acquired in Henrico County, Virginia for $14000 with terrible credit by Sherell

A lot of prospective borrowers have difficulty with finding signature loans in Henrico County, Virginia, and Sherell is not an exception. Sherell went to 4 lending institutions or more prior to settling on NB Bank of Richmond, who offered Sherell a signature loan for $14000. Most signature loans simply need a client, like Sherell’s signature to obtain them, up to $40,000 in some cases. Sherell was able to get $14000 as a home loan, which is very high for a home loan. Because signature loans do not require collateral, these loans generally require higher credit, as high as 755

Client Profile: Sherell Eurbin of Henrico County, Virginia
  • Full name (Changed if requested): Sherell Eurbin
  • Current Credit: loans.hit.utils.Fico@70177ecd
  • Current City: Henrico County
  • State: Virginia
  • Zip code: 23210
  • Yearly income: $56,000
  • Current Job: property assessor
  • Current County: Henrico
  • Goal Yearly Income: $112,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Sherell was rejected by Planters Bank and Trust Company 7 times before being accepted by NB Bank of Richmond at 2702 Parham Road

On November 9, 2009, Sherell inquired about borrowing $48,000 from Richmond National Bank with Thurman, their in law from just outside Henrico County, and even with the co-signer, Sherell was rejected for this home loan. With terrible credit, it can be challenging to procure financing, even with collateral and a co-signer.

Installment loan for Sherell, a graduate of University of Missouri – Kansas City and a property assessor working for over $60,000 per year

Sherell, an alumnus at University of Missouri – Kansas City and a property assessor in Henrico County, Virginia needs a home loan to purchase a new cell phone. Sherell has instead decided to get an installment loan for $27,000 and is currently seeking lenders like First Virginia Bank – Planters to process their request.

Several previous requests for credit have been made by Sherell in the past, including one from Valley Bank Richland Center in Henrico County, Virginia before Sherell was approved for the $14000 by NB Bank of Richmond

Sherell made 5 previous tries to obtain a home loan, 2 of which were with Valley Bank Richland Center, a bank in Henrico County, Virginia known to specialize in home loans specifically. Before finding NB Bank of Richmond, Sherell was very concerned due to their inexperience and terrible credit score.

Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans vary from $39,000.00 to $44,000.00. They are typically used to pay off existing high interest loans like credit cards. Sherell needed a debt consolidation loan to pay for their existing home loan and their credit card. Sherell was able to find a home loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your bad, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.4%.

8 Months Ago, Sherell Attempted to Find a High Risk Loan for $47,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for clients to find high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Sherell. Sherell decided not to obtain a high risk loan this time. High Risk loans are given to very low credit applicants. Borrowers with credit ratings as low as 554 can apply for a high risk loan and may be be accepted.

Conclusion of Sherell’s home loan

In the end, Sherell was able to find a home loan for $14000 with an interest rate of 6.8% interest APR from NB Bank of Richmond in Henrico County, Virginia repayable over 15 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.