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$96000 Mortgage In Centerville Kansas With Credit Score 661 For Nena

$96000 Mortgage – Centerville Kansas, Credit Score Of 661

  • Experian: 678 – This client had a good Experian score
  • Transunion: 648 – Nena had a good credit rating with Transunion.
  • Equifax: Nena’s Experian score was 661, which is a good credit score using the Experian scale.

Nena’s Transunion score was changed by the mortgage loan, changing to 648 from 661, which is typical in our experience.

Transunion Score: 648

Installment loan for Nena, a graduate of North Central State College and a photo-optics technician working for over $69,000 per year

Nena, an alumnus at North Central State College and a photo-optics technician in Centerville, Kansas wants a mortgage to purchase a house. Nena has instead decided to get an installment loan for $15,000 and is at present seeking lenders like The Sedan State Bank, Sedan, Kansas to provide it.

Signature Loan found in Centerville, Kansas for $96000 with good credit by Nena

Most clients struggle with finding signature loans in Centerville, Kansas, and Nena is no exception. Nena went to 8 lending institutions or more prior to settling on Centerville State Bank, who offered Nena a signature loan for $96000. Typical signature loans simply require a client, like Nena’s signature to get them, up to $35,000 in some cases. Nena was able to get $96000 as a mortgage, which is very high for a mortgage. Because signature loans do not need collateral, they tend to need higher credit, as high as 740

Nena’s Overall FICO score at the time of acceptance for a mortgage, taking into account their photo-optics technician job and their future career as a sawing machine operator

Fico Score: 661

Nena was rejected by The Bank of Tescott 5 times prior to being approved by Centerville State Bank at Main Strret

On April 15, 2011, Nena inquired about borrowing $12,000 from The Sedan State Bank, Sedan, Kansas with Camelia, their friend from just outside Centerville, and even with the co-signer, Nena was rejected for this mortgage. With good credit, it can be very hard to procure funding, even with collateral and a co-signer.

Personal Loan for a photo-optics technician named Nena in Centerville, Kansas to Pay Off TD Bank Cash Rewards Visa

Nena had a lot of credit card debt on their Nordstrom Credit Card and their Synovus Visa Business Platinum Card, and they were starting to get in over their heads. Despite Nena’s job as a photo-optics technician, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Contact Details for Centerville State Bank, the provider of this mortgage

  • Centerville State Bank
  • City: Centerville
  • State: Kansas
  • Address: Main Strret
  • County: Linn
  • Zip code: 66014

Previous requests on Nena’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$64100.00 11 10.1% $806.16 Citizens Bank and Trust Company December 11, 2012
$64450.00 3 7.5% $2004.8 The Morrill and Janes Bank and Trust Company August 21, 2013
$63670.00 6 10.8% $1205.39 The Citizens State Bank, Liberal, Kansas June 28, 2014
$63800.00 6 10.7% $1204.59 Citizens State Bank July 12, 2014

Fast Loans for Nena in Centerville, Kansas to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Centerville, Kansas aren’t actually that difficult to obtain, particularly if you have some gumption like Nena. Nena was able to find a fast loan for $96000 from The Sedan State Bank, Sedan, Kansas and The Home State Bank of Kansas City, Kansas, but declined both offers in favor of their mortgage from Centerville State Bank. The difference with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big improvement if a client is in a pinch.

Nena has a sad current yearly income, but has several of prospects

Nena has always wanted to be a sawing machine operator, but would need attend North Central State College again to achieve it. Nena has other prospects as well, including telecommunications maintenance worker, recreation leader, and recreational protective service worker, which pay $56,000 through to $95,000 per year, on average. For this reason, we think that Nena can pay for this mortgage of $96000.

8 Months Ago, Nena Attempted to Find a High Risk Loan for $26,000.00, and it was Hard

It is an existing struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Nena. Nena decided not to get a high risk loan this time. High Risk loans are given to terrible credit individuals. Borrowers with credit ratings as low as 453 can inquire for a high risk loan and possibly can be approved.

Multiple previous requests for credit have been made by Nena in the past, including one from State Guaranty Bank in Centerville, Kansas before Nena was accepted for the $96000 by Centerville State Bank

Nena made 8 previous tries to obtain a mortgage, 2 of which were with State Guaranty Bank, a lender in Centerville, Kansas known to specialize in mortgages specifically. Before finding Centerville State Bank, Nena was concerned due to their inexperience and good credit rating.

Client Profile: Nena Holian of Centerville, Kansas
  • Full name (Changed if requested): Nena Holian
  • Current Credit: loans.hit.utils.Fico@6bf2d08e
  • Current City: Centerville
  • State: Kansas
  • Zip code: 66017
  • Yearly income: $36,000
  • Current Job: photo-optics technician
  • Current County: Linn
  • Goal Yearly Income: $149,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Paraphrased and Standardized Quote from Nena for this mortgage of $96000, provided by Centerville State Bank

Hello, I am Nena and I am from Centerville in Kansas. Linn, county is where I grew up, and now I need a mortgage in Kansas for $96000 to renovate my home. It has been difficult, but Centerville State Bank really came through for me with this loan for 8.7% interest APR and a term of 6 years. I can repay the loan over the 6 year term, including interest. A big thanks to Centerville State Bank for trusting me and my good credit. It look me 4 years to build my credit to 661, and I won’t tarnish it any future. I am pleased with Find Texas Loans for assisting me this far.

When Nena was 20, they attempted to obtain a student loan from 4 different banks, which harmed their credit score. Below is a chronology of Nena’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on December 6, 2009
  • Attempt 2) Loan for $20,000.00 on March 11, 2009
  • Attempt 3) Loan for $28,000.00 on July 15, 2011
  • Attempt 4) Loan for $27,000.00 on March 5, 2013

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans range from $28,000.00 to $49,000.00. They are normally used to pay off existing high interest loans like credit cards. Nena needed a debt consolidation loan to pay for their existing mortgage and their loan shark loan. Nena was able to find a mortgage in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your bad, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.5%.

Before applying for this mortgage, Nena had an Experian score of 678, which is good, so Centerville State Bank most likely cannot provide Nena a mortgage

Experian Score: 678

Conclusion of Nena’s mortgage

In the end, Nena was able to find a mortgage for $96000 with an interest rate of 9.7% interest APR from Centerville State Bank in Centerville, Kansas repayable over 6 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.