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Mortgage For $126000 Near 50126, Iowa With A Credit Score Of 707

$126000 Mortgage – Iowa Falls Iowa, Credit Rating Of 707

  • Experian: 726 – They had a good Experian score
  • Transunion: 688 – Mitzi had a good credit score with Transunion.
  • Equifax: Mitzi’s Experian score was 707, which is a good credit score using the Experian scale.

Previous requests on Mitzi’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$28360.00 9 5.3% $330.75 Mills County Bank National Association September 1, 2012
$27580.00 3 5.5% $832.8 Postville State Bank November 21, 2013
$27590.00 5 8.2% $562.07 Washington State Bank April 21, 2014
$28200.00 6 8.1% $495.82 Rippey Savings Bank April 22, 2015

When Mitzi was 21, they tried to obtain a student loan from 5 different lenders, which harmed their credit score. Below is a chronology of Mitzi’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on December 19, 2013
  • Attempt 2) Loan for $26,000.00 on November 23, 2010
  • Attempt 3) Loan for $31,000.00 on February 27, 2012
  • Attempt 4) Loan for $27,000.00 on January 5, 2009
  • Attempt 5) Loan for $20,000.00 on May 25, 2010

Paraphrased and Standardized Quote from Mitzi for this mortgage of $126000, provided by Green Belt Bank & Trust

Hi, I am Mitzi and I am from Iowa Falls in Iowa. Hardin, county is where I grew up, and now I need a mortgage in Iowa for $126000 to buy a big ticket item. It has been difficult, but Green Belt Bank & Trust really came through for me with this loan for 10.2% interest APR and a term of 21 years. I will repay the loan over the 21 year term, including interest. A big thanks to Green Belt Bank & Trust for trusting me and my good credit. It look me 9 years to build my credit to 707, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

Client Profile: Mitzi Ivener of Iowa Falls, Iowa
  • Full name (Changed if requested): Mitzi Ivener
  • Current Credit: loans.hit.utils.Fico@6e5e91e4
  • Current City: Iowa Falls
  • State: Iowa
  • Zip code: 50128
  • Yearly income: $58,000
  • Current Job: substance abuse counselor
  • Current County: Hardin
  • Goal Yearly Income: $129,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Mitzi’s Overall FICO score at the time of acceptance for a mortgage, taking into account their substance abuse counselor job and their future job as a dairy technologist

Fico Score: 707

Mitzi was declined by Rippey Savings Bank 4 times before being approved by Green Belt Bank & Trust at 616 Washington Avenue

On November 1, 2010, Mitzi applied about borrowing $11,000 from Community State Bank with Pasquale, their in law from just outside Iowa Falls, and even with the co-signer, Mitzi was rejected for this mortgage. With good credit, it can be challenging to obtain funding, even with collateral and a co-signer.

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

Most debt consolidation loans range from $32,000.00 to $41,000.00. They are normally used to pay off existing high interest loans like credit cards. Mitzi needed a debt consolidation loan to pay for their existing mortgage and their loan shark loan. Mitzi was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your bad, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.2%.

Installment loan for Mitzi, a graduate of ITT Technical Institute – Indianapolis and a substance abuse counselor working for over $68,000 per year

Mitzi, an alumnus at ITT Technical Institute – Indianapolis and a substance abuse counselor in Iowa Falls, Iowa wants a mortgage to purchase a new cell phone. Mitzi has instead decided to get an installment loan for $5,000 and is at present seeking lenders like The First Trust & Savings Bank to provide it.

Signature Loan found in Iowa Falls, Iowa for $126000 with good credit by Mitzi

Most prospective borrowers have difficulty with obtaining signature loans in Iowa Falls, Iowa, and Mitzi is no different. Mitzi went to 4 lending institutions or more before finding Green Belt Bank & Trust, who offered Mitzi a signature loan for $126000. Typical signature loans simply require a client, like Mitzi’s signature to obtain them, up to $44,000 in some cases. Mitzi was able to get $126000 as a mortgage, which is very high for a mortgage. Because signature loans do not need a cosigner, these loans tend to need higher credit, as high as 746

Several previous requests for credit have been made by Mitzi in the past, including one from Boatmen’s Bank and Trust Co. of Kansas City in Iowa Falls, Iowa before Mitzi was accepted for the $126000 by Green Belt Bank & Trust

Mitzi made 8 prior attempts to obtain a mortgage, 2 of which were with Boatmen’s Bank and Trust Co. of Kansas City, a lending institution in Iowa Falls, Iowa known to specialize in mortgages specifically. Before finding Green Belt Bank & Trust, Mitzi was concerned due to their inexperience and good credit score.

Before applying for this mortgage, Mitzi had an Experian score of 726, which is good, so Green Belt Bank & Trust probably cannot provide Mitzi a mortgage

Experian Score: 726

7 Months Ago, Mitzi Attempted Finding a High Risk Loan for $23,000.00, and it was Hard

There is an existing struggle for clients to get high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Mitzi. Mitzi chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Individuals with credit scores as low as 509 can apply for a high risk loan and may be be approved.

Personal Loan for a substance abuse counselor named Mitzi in Iowa Falls, Iowa to Pay Off Wells Fargo Secured Visa Card

Mitzi had a tonne of credit card debt on their UMB Simply Rewards Visa Platinum Card and their Five Star Bank Visa Business Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Mitzi’s job as a substance abuse counselor, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Mitzi has a disappointing current total income, but has a large amount of prospects

Mitzi has always wanted to be a dairy technologist, but would have to attend ITT Technical Institute – Indianapolis again to achieve it. Mitzi has other prospects as well, including power-line installer and mechanic, airfield operations specialist, and narcotics investigator, which pay $59,000 through to $105,000 per year, on average. Because of this, we believe that Mitzi can afford this mortgage of $126000.

Fast Loans for Mitzi in Iowa Falls, Iowa to prevent bankruptcy or harm from debt collectors.

Fast loans in Iowa Falls, Iowa aren’t actually that difficult to obtain, especially if you have some gumption like Mitzi. Mitzi was able to find a fast loan for $126000 from Farmers Savings Bank and Community State Bank, but declined both offers in favor of their mortgage from Green Belt Bank & Trust. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big improvement in the case that you are in a time sensitive situation.

Mitzi’s Transunion score was altered by the mortgage loan, changing to 688 from 707, which is typical in our experience.

Transunion Score: 688

Contact Details for Green Belt Bank & Trust, the provider of this mortgage

  • Green Belt Bank & Trust
  • City: Iowa Falls
  • State: Iowa
  • Address: 616 Washington Avenue
  • County: Hardin
  • Zip code: 50126

Conclusion of Mitzi’s mortgage

In the end, Mitzi was able to find a mortgage for $126000 with an interest rate of 6.3% interest APR from Green Belt Bank & Trust in Iowa Falls, Iowa repayable over 21 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.