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Low Rate Mortgage For Eun In Olathe, Kansas

$128000 Mortgage – Olathe Kansas, Credit Score Of 618

  • Experian: 637 – This individual had a good Experian score
  • Transunion: 602 – Eun had a good credit score with Transunion.
  • Equifax: Eun’s Experian score was 618, which is a good credit rating on the Experian scale.

Eun’s Transunion score was changed by the mortgage loan, changing to 602 from 618, which is normal in our experience.

Transunion Score: 602

Eun was not approved by Fidelity State Bank and Trust Company 7 times before being approved by The First National Bank of Olathe at 444 East Santa Fe Street

On August 7, 2012, Eun inquired about borrowing $7,000 from Heartland Bank with Norma, their friend from just outside Olathe, and even with the co-signer, Eun was rejected for this mortgage. With good credit, it can be very hard to procure financing, even with collateral and a co-signer.

Previous requests on Eun’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$12360.00 11 6.8% $133.24 Citizens Bank and Trust Company March 4, 2012
$11550.00 8 9.8% $174.04 The Morrill and Janes Bank and Trust Company April 5, 2013
$11670.00 7 11.3% $201.66 The Citizens State Bank, Liberal, Kansas February 5, 2014
$11600.00 8 6.1% $153.01 Citizens State Bank July 28, 2014
$12220.00 9 10.5% $175.37 The Peoples Bank January 16, 2015

Many past requests for credit have been made by Eun in the past, including one from Commerce Bank of Tazewell County, National Association in Olathe, Kansas before Eun was accepted for the $128000 by The First National Bank of Olathe

Eun made 6 previous attempts to obtain a mortgage, 2 of which were with Commerce Bank of Tazewell County, National Association, a lender in Olathe, Kansas known to specialize in mortgages specifically. Prior to finding The First National Bank of Olathe, Eun was very concerned due to their inexperience and good credit rating.

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

Normal debt consolidation loans vary from $31,000.00 to $46,000.00. They are normally used to pay off existing high interest loans like credit cards. Eun needed a debt consolidation loan to pay for their existing mortgage and their credit card. Eun was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.0%.

Before applying for this mortgage, Eun had an Experian score of 637, which is good, so The First National Bank of Olathe likely cannot provide Eun a mortgage

Experian Score: 637

Paraphrased and Standardized Quote from Eun for this mortgage of $128000, provided by The First National Bank of Olathe

Hi, I am Eun and I am from Olathe in Kansas. Johnson, county is where I grew up, and now I need a mortgage in Kansas for $128000 to renovate my home. It wasn’t easy, but The First National Bank of Olathe really came through for me with this loan for 11.3% interest APR and a term of 24 years. I can probably repay the loan over the 24 year term, including interest. A big thanks to The First National Bank of Olathe for giving me a chance and my good credit. It look me 4 years to build my credit to 618, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.

Client Profile: Eun Pacella of Olathe, Kansas
  • Full name (Changed if requested): Eun Pacella
  • Current Credit: loans.hit.utils.Fico@238e0d81
  • Current City: Olathe
  • State: Kansas
  • Zip code: 66070
  • Yearly income: $36,000
  • Current Job: human resources management consultant
  • Current County: Johnson
  • Goal Yearly Income: $111,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Fast Loans for Eun in Olathe, Kansas to prevent bankruptcy or harm from debt collectors.

Fast loans in Olathe, Kansas aren’t actually that difficult to obtain, especially if you have some gumption like Eun. Eun was able to find a fast loan for $128000 from The Peoples Bank and Bank IV Kansas City, National Association, but declined both offers in favor of their mortgage from The First National Bank of Olathe. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. Much better if a borrower is in a time sensitive situation.

Personal Loan for a human resources management consultant named Eun in Olathe, Kansas to Pay Off Baby Phat Prepaid Visa RushCard

Eun had a lot of credit card debt on their Harley-Davidson Visa Signature Card and their Bass Pro Shops Outdoor Rewards Platinum Plus Visa Credit Card, and they were starting to get in over their heads. Despite Eun’s job as a human resources management consultant, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Installment loan for Eun, a graduate of Alaska Bible College at Palmer and a human resources management consultant working for over $65,000 per year

Eun, an alumnus at Alaska Bible College at Palmer and a human resources management consultant in Olathe, Kansas wants a mortgage to purchase a car. Eun has instead chosen to obtain an installment loan for $22,000 and is currently seeking lenders like The Union State Bank to process their request.

When Eun was 23, they tried to obtain a student loan from 5 alternate lenders, which damaged their credit score. Below is a list of Eun’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on October 18, 2009
  • Attempt 2) Loan for $29,000.00 on February 2, 2012
  • Attempt 3) Loan for $28,000.00 on August 13, 2009
  • Attempt 4) Loan for $23,000.00 on August 19, 2010
  • Attempt 5) Loan for $30,000.00 on April 7, 2009

Signature Loan acquired in Olathe, Kansas for $128000 with good credit by Eun

Many prospective borrowers struggle with obtaining signature loans in Olathe, Kansas, and Eun is no different. Eun went to 6 lenders or more before settling on The First National Bank of Olathe, who offered Eun a signature loan for $128000. Most signature loans simply require a client, like Eun’s signature to get them, up to $26,000 in some cases. Eun was able to get $128000 as a mortgage, which is very high for a mortgage. Because signature loans don’t need a cosigner, they generally require better credit, as high as 752

7 Months Ago, Eun Tried Finding a High Risk Loan for $30,000.00, but They Didn’t Find What They were Expecting

There is an ongoing 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 physically harmful to borrowers like Eun. Eun decided not to obtain a high risk loan this time. High Risk loans are given to bad credit borrowers. Borrowers with credit ratings as low as 466 can apply for a high risk loan and may be be approved.

Eun has a very low current yearly income, but has a large amount of prospects

Eun has always wanted to be a technical publications writer, but would need attend Alaska Bible College at Palmer again to become one. Eun has other prospects as well, including order clerk, personnel assistant, and high school administrator, which pay $58,000 through to $103,000 per year, at least. For this reason, we believe that Eun can afford this mortgage of $128000.

Contact Details for The First National Bank of Olathe, the provider of this mortgage

  • The First National Bank of Olathe
  • City: Olathe
  • State: Kansas
  • Address: 444 East Santa Fe Street
  • County: Johnson
  • Zip code: 66061

Eun’s Overall FICO score at the time of acceptance for a mortgage, taking into account their human resources management consultant job and their future career as a technical publications writer

Fico Score: 618

Conclusion of Eun’s mortgage

In the end, Eun was able to find a mortgage for $128000 with an interest rate of 5.6% interest APR from The First National Bank of Olathe in Olathe, Kansas repayable over 24 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.