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2 Year, Fixed Interest Home Loan For Sima In Pennsylvania

$39000 Home Loan – Lewisburg Pennsylvania, Credit Rating Of 635

  • Experian: 647 – The client had a good Experian score
  • Transunion: 618 – Sima had a good credit score with Transunion.
  • Equifax: Sima’s Experian score was 635, which is a good credit rating with the Experian system.

Signature Loan acquired in Lewisburg, Pennsylvania for $39000 with good credit by Sima

Many clients have difficulty with obtaining signature loans in Lewisburg, Pennsylvania, and Sima is not an exception. Sima went to 6 lenders or more prior to settling on Lewisburg Trust Bank, who offered Sima a signature loan for $39000. Typical signature loans simply require a client, like Sima’s signature to obtain them, up to $44,000 in some cases. Sima was able to get $39000 as a home loan, which is very high for a home loan. Because signature loans don’t need a cosigner, they tend to require higher credit, as high as 734

Installment loan for Sima, a graduate of Tulane University and a psychiatrist working for over $65,000 per year

Sima, an alumnus at Tulane University and a psychiatrist in Lewisburg, Pennsylvania wants a home loan to purchase a new cell phone. Sima has instead chosen to get an installment loan for $1,000 and is currently seeking lenders like The Fidelity Bank to process their request.

Fast Loans for Sima in Lewisburg, Pennsylvania to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Lewisburg, Pennsylvania aren’t actually that difficult to obtain, particularly if you have some finesse like Sima. Sima was able to find a fast loan for $39000 from Green Ridge Bank and Industrial Valley Bank and Trust Company, but turned down both offers in favor of their home loan from Lewisburg Trust Bank. 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 in the case that you are in a time sensitive situation.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans vary from $27,000.00 to $46,000.00. They are mainly used to pay off existing high interest loans like credit cards. Sima required a debt consolidation loan to pay for their existing home loan and their payday loan. Sima was able to find a home loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your dirty, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.6%.

Paraphrased and Standardized Quote from Sima for this home loan of $39000, provided by Lewisburg Trust Bank

Hi, I am Sima and I am from Lewisburg in Pennsylvania. Union, county is where I grew up, and now I need a home loan in Pennsylvania for $39000 to renovate my home. It wasn’t easy, but Lewisburg Trust Bank really came through for me with this loan for 10.0% interest APR and a term of 2 years. I will repay the loan over the 2 year term, including interest. A big thanks to Lewisburg Trust Bank for trusting me and my good credit. It look me 5 years to create my credit to 635, and I won’t harm it any future. I’m happy with Find Texas Loans for helping me this far.

Sima has a very low current gross income, but has a large amount of prospects

Sima has always wanted to be a range manager, but would have to attend Tulane University again to achieve it. Sima has other possibilities as well, including newspaper editor, petroleum refinery operator, and mining shovel machine operator, which pay $58,000 through to $96,000 per year, at least. Because of this, we think that Sima can afford this home loan of $39000.

Client Profile: Sima Descoteau of Lewisburg, Pennsylvania
  • Full name (Changed if requested): Sima Descoteau
  • Current Credit: loans.hit.utils.Fico@25f38edc
  • Current City: Lewisburg
  • State: Pennsylvania
  • Zip code: 17842
  • Yearly income: $37,000
  • Current Job: psychiatrist
  • Current County: Union
  • Goal Yearly Income: $135,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Personal Loan for a psychiatrist named Sima in Lewisburg, Pennsylvania to Pay Off Bass Pro Shops Outdoor Rewards Platinum Plus Visa Credit Card

Sima had a lot of credit card debt on their Zions Bank AmaZing Rewards for Business and their Bangor Savings Bank Visa Business Bonus Rewards Card, and they were starting to get in over their heads. Despite Sima’s job as a psychiatrist, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this home loan, Sima had an Experian score of 647, which is good, so Lewisburg Trust Bank most likely cannot provide Sima a home loan

Experian Score: 647

Contact Details for Lewisburg Trust Bank, the provider of this home loan

  • Lewisburg Trust Bank
  • City: Lewisburg
  • State: Pennsylvania
  • Address: 239 Market Street
  • County: Union
  • Zip code: 17837

When Sima was 21, they tried to obtain a student loan from 4 alternate lenders, which harmed their credit rating. Below is a chronology of Sima’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on April 13, 2011
  • Attempt 2) Loan for $23,000.00 on April 22, 2011
  • Attempt 3) Loan for $39,000.00 on November 4, 2009
  • Attempt 4) Loan for $31,000.00 on January 1, 2010

8 Months Ago, Sima Tried Finding a High Risk Loan for $45,000.00, and it was Easy

There is an existing struggle for clients to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Sima. Sima chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Clients with credit scores as low as 468 can apply for a high risk loan and have a chance to be accepted.

Sima’s Overall FICO score at the time of acceptance for a home loan, taking into account their psychiatrist job and their future job as a range manager

Fico Score: 635

Many past requests for credit have been made by Sima in the past, including one from Emprise Bank National Association in Lewisburg, Pennsylvania before Sima was approved for the $39000 by Lewisburg Trust Bank

Sima made 6 prior attempts to obtain a home loan, 2 of which were with Emprise Bank National Association, a bank in Lewisburg, Pennsylvania known to specialize in home loans specifically. Before finding Lewisburg Trust Bank, Sima was desperate due to their inexperience and good credit score.

Previous requests on Sima’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$61130.00 9 9.5% $844.17 The People’s Bank of Oxford October 12, 2009
$60850.00 3 10.2% $1969.18 First Lehigh Bank March 2, 2014
$60570.00 11 9.2% $731.17 SunBank April 20, 2014
$60830.00 8 6.5% $814.28 Merchants Bank (North) October 10, 2014
$60820.00 8 11.3% $965.26 Green Ridge Bank March 1, 2015

Sima’s Transunion score was changed by the home loan loan, changing to 618 from 635, which is normal in our experience.

Transunion Score: 618

Sima was rejected by Mellon Bank (Central) National Association 4 times before being accepted by Lewisburg Trust Bank at 239 Market Street

On August 7, 2009, Sima inquired about borrowing $49,000 from The People’s Bank of Oxford with Ninfa, their friend from just outside Lewisburg, and even with the co-signer, Sima was rejected for this home loan. With good credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Conclusion of Sima’s home loan

In the end, Sima was able to find a home loan for $39000 with an interest rate of 7.0% interest APR from Lewisburg Trust Bank in Lewisburg, Pennsylvania repayable over 2 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.