$152000 Mortgage – Eugene Oregon, Credit Rating Of 523
- Experian: 542 – The client had a fair Experian rating
- Transunion: 510 – Tera had a fair credit score with Transunion.
- Equifax: Tera’s Experian score was 523, which is a fair credit score with the Experian system.
Tera’s Transunion score was changed by the mortgage loan, changing to 510 from 523, which is typical in our experience.
Tera’s Overall FICO score at the time of acceptance for a mortgage, taking into account their instrument technician job and their future career as a soil conservationist
Paraphrased and Standardized Quote from Tera for this mortgage of $152000, provided by Centennial Bank
Hi, I am Tera and I’m from Eugene in Oregon. Multnomah, county is where I grew up, and now I need a mortgage in Oregon for $152000 to buy a car. It wasn’t easy, but Centennial Bank really came through for me with this loan for 11.6% interest APR and a term of 4 years. I will repay the loan over the 4 year term, including interest. A big thanks to Centennial Bank for trusting me and my fair credit. It look me 9 years to create my credit to 523, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.
Many past requests for credit have been made by Tera in the past, including one from First Alabama Bank of Cullman in Eugene, Oregon before Tera was accepted for the $152000 by Centennial Bank
Tera made 4 previous attempts to obtain a mortgage, 2 of which were with First Alabama Bank of Cullman, a lending institution in Eugene, Oregon known to specialize in mortgages specifically. Before finding Centennial Bank, Tera was desperate due to their inexperience and fair credit score.
When Tera was 23, they tried to obtain a student loan from 5 alternate lenders, which harmed their credit rating. Below is a chronology of Tera’s previous attempts at finding a student loan:
- Attempt 1) Loan for $21,000.00 on May 24, 2011
- Attempt 2) Loan for $30,000.00 on January 4, 2012
- Attempt 3) Loan for $37,000.00 on July 13, 2011
- Attempt 4) Loan for $35,000.00 on February 9, 2010
- Attempt 5) Loan for $22,000.00 on February 15, 2009
Tera was declined by Bank of Eastern Oregon 6 times before being approved by Centennial Bank at One Southwest Columbia Street, Suite 900
On October 17, 2011, Tera applied about borrowing $49,000 from West Coast Bank with Freeman, their in law from just outside Eugene, and even with the co-signer, Tera was rejected for this mortgage. With fair credit, it can be difficult to obtain funding, even with collateral and a co-signer.
Previous requests on Tera’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $105440.00 | 11 | 10.5% | $1350.1 | Polk County State Bank | July 25, 2011 |
| $104790.00 | 6 | 7.2% | $1796.65 | Pacific Western Bank | December 27, 2012 |
| $104580.00 | 5 | 8.1% | $2125.51 | West Coast Bank | November 26, 2013 |
| $104580.00 | 10 | 6.3% | $1176.87 | The Valley National Bank of Oregon | August 5, 2014 |
| $105250.00 | 11 | 7.1% | $1151.08 | Umpqua National Bank | August 21, 2014 |
Signature Loan found in Eugene, Oregon for $152000 with fair credit by Tera
Most clients have difficulty with finding signature loans in Eugene, Oregon, and Tera is the same. Tera went to 4 lending institutions or more before settling on Centennial Bank, who offered Tera a signature loan for $152000. Typical signature loans simply need a client, like Tera’s signature to get them, up to $33,000 in some cases. Tera was able to get $152000 as a mortgage, which is very high for a mortgage. Because signature loans don’t require collateral, they generally require improved credit, as high as 729
Before applying for this mortgage, Tera had an Experian score of 542, which is fair, so Centennial Bank likely can provide Tera a mortgage
8 Months Ago, Tera Tried to Find a High Risk Loan for $28,000.00, and it was Easy
There is an ongoing struggle for clients to get high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Tera. Tera decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Borrowers with credit scores as low as 406 can apply for a high risk loan and may be be approved.
Fast Loans for Tera in Eugene, Oregon to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Eugene, Oregon aren’t actually that difficult to obtain, particularly if you have some finesse like Tera. Tera was able to find a fast loan for $152000 from Lane County Bank, Florence, Oregon and Polk County State Bank, but turned down both offers in favor of their mortgage from Centennial Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference if a client is on the go.
Tera has a sad current total income, but has a high number of prospects
Tera has always wanted to be a soil conservationist, but would need attend University of Arkansas for Medical Sciences again to achieve it. Tera has other prospects as well, including materials engineer, mechanical engineer, and baker, which pay $54,000 through to $108,000 per year, at least. For this reason, we believe that Tera can pay for this mortgage of $152000.
Installment loan for Tera, a graduate of University of Arkansas for Medical Sciences and an instrument technician working for over $63,000 per year
Tera, an alumnus at University of Arkansas for Medical Sciences and an instrument technician in Eugene, Oregon needs a mortgage to purchase a new cell phone. Tera has instead decided to get an installment loan for $15,000 and is currently seeking lenders like The First National Bank of McMinnville to process their request.
Personal Loan for an instrument technician named Tera in Eugene, Oregon to Pay Off Harley-Davidson Visa Secured Card
Tera had a lot of credit card debt on their NBT Bank Visa Secured Card and their Tesoro Fleet Credit Card, and they were starting to get in over their heads. Despite Tera’s job as an instrument technician, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Contact Details for Centennial Bank, the provider of this mortgage
- Centennial Bank
- City: Eugene
- State: Oregon
- Address: One Southwest Columbia Street, Suite 900
- County: Multnomah
- Zip code: 97401
Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans vary from $20,000.00 to $59,000.00. They are mainly used to pay off existing high interest loans like credit cards. Tera required a debt consolidation loan to pay for their existing mortgage and their loan shark loan. Tera was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.3%.
- Full name (Changed if requested): Tera Kluck
- Current Credit: loans.hit.utils.Fico@63c12fb0
- Current City: Eugene
- State: Oregon
- Zip code: 97408
- Yearly income: $33,000
- Current Job: instrument technician
- Current County: Multnomah
- Goal Yearly Income: $135,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
Conclusion of Tera’s mortgage
In the end, Tera was able to find a mortgage for $152000 with an interest rate of 9.3% interest APR from Centennial Bank in Eugene, Oregon repayable over 4 years from today.
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