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Daine Wanted A Mortgage For $114000, Howells, Nebraska

$114000 Mortgage – Howells Nebraska, Credit Score Of 381

  • Experian: 395 – The client had a terrible Experian rating
  • Transunion: 366 – Daine had a terrible credit score with Transunion.
  • Equifax: Daine’s Experian score was 381, which is a terrible credit rating on the Experian scale.

Daine’s Overall FICO score at the time of acceptance for a mortgage, taking into account their foreign exchange trader job and their future job as a compensation specialist

Fico Score: 381

6 Months in the Past, Daine Attempted to Find a High Risk Loan for $48,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for clients to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Daine. Daine decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Borrowers with credit scores as low as 433 can inquire for a high risk loan and possibly can be approved.

Contact Details for Howells Bank, the provider of this mortgage

  • Howells Bank
  • City: Howells
  • State: Nebraska
  • Address: Main Street
  • County: Colfax
  • Zip code: 68641

Previous requests on Daine’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$21320.00 4 8.1% $521.48 Citizens Bank December 11, 2010
$21400.00 6 11.4% $411.73 Stromsburg Bank May 7, 2012
$21130.00 3 6.8% $650.5 Wahoo State Bank October 6, 2013
$21120.00 4 6.6% $501.83 Arlington State Bank October 14, 2013
$20630.00 9 8.8% $277.21 Mason State Bank, Mason City, Nebraska May 18, 2014

Daine’s Transunion score was altered by the mortgage loan, changing to 366 from 381, which is normal in our experience.

Transunion Score: 366

Installment loan for Daine, a graduate of International Institute of Chinese Medicine and a foreign exchange trader working for over $71,000 per year

Daine, an alumnus at International Institute of Chinese Medicine and a foreign exchange trader in Howells, Nebraska needs a mortgage to purchase a new cell phone. Daine has instead chosen to obtain an installment loan for $7,000 and is currently seeking lenders like Exchange Bank to process their request.

Signature Loan found in Howells, Nebraska for $114000 with terrible credit by Daine

Many borrowers struggle with finding signature loans in Howells, Nebraska, and Daine is no different. Daine went to 5 lenders or more before settling on Howells Bank, who offered Daine a signature loan for $114000. Typical signature loans simply need a client, like Daine’s signature to obtain them, up to $47,000 in some cases. Daine was able to get $114000 as a mortgage, which is very high for a mortgage. Since signature loans don’t need a cosigner, they generally require higher credit, as high as 798

Daine was not approved by Exchange Bank 4 times prior to being accepted by Howells Bank at Main Street

On April 16, 2009, Daine applied about borrowing $34,000 from Citizens State Bank with Cassaundra, their in law from just outside Howells, and even with the co-signer, Daine was rejected for this mortgage. With terrible credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Daine has a low current yearly income, but has a high number of prospects

Daine has always wanted to be a compensation specialist, but would need attend International Institute of Chinese Medicine again to achieve it. Daine has other prospects as well, including general internists, clinical psychologist, and biological technician, which pay $56,000 through to $105,000 per year, on average. For this reason, we believe that Daine can pay for this mortgage of $114000.

Fast Loans for Daine in Howells, Nebraska to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Howells, Nebraska aren’t actually that difficult to obtain, particularly if you have some gumption like Daine. Daine was able to find a fast loan for $114000 from The Carson National Bank of Auburn and The First National Bank of Ainsworth, but turned down both offers in favor of their mortgage from Howells Bank. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big difference in the case that you are in a time sensitive situation.

When Daine was 19, they tried to obtain a student loan from 4 alternate banks, which harmed their credit score. Below is a list of Daine’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on October 10, 2011
  • Attempt 2) Loan for $39,000.00 on February 8, 2009
  • Attempt 3) Loan for $20,000.00 on July 31, 2010
  • Attempt 4) Loan for $31,000.00 on February 1, 2012

Paraphrased and Standardized Quote from Daine for this mortgage of $114000, provided by Howells Bank

Hi, I am Daine and I am from Howells in Nebraska. Colfax, county is where I grew up, and now I need a mortgage in Nebraska for $114000 to buy a car. It wasn’t easy, but Howells Bank really came through for me with this loan for 5.4% interest APR and a term of 15 years. I can repay the loan over the 15 year term, including interest. A big thanks to Howells Bank for giving me a chance and my terrible credit. It look me 4 years to create my credit to 381, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

Personal Loan for a foreign exchange trader named Daine in Howells, Nebraska to Pay Off PNC Bank CashBuilder Visa Credit Card

Daine had a lot of credit card debt on their Fifth Third Bank Professional MasterCard and their Toys ‘R Us Credit Card, and they were starting to get in over their heads. Despite Daine’s job as a foreign exchange trader, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Many previous requests for credit have been made by Daine in the past, including one from Wyoming Bank & Trust in Howells, Nebraska before Daine was accepted for the $114000 by Howells Bank

Daine made 9 previous attempts to obtain a mortgage, 2 of which were with Wyoming Bank & Trust, a bank in Howells, Nebraska known to specialize in mortgages specifically. Prior to finding Howells Bank, Daine was desperate due to their inexperience and terrible credit score.

Before applying for this mortgage, Daine had an Experian score of 395, which is terrible, so Howells Bank likely cannot provide Daine a mortgage

Experian Score: 395

Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans range from $32,000.00 to $54,000.00. They are typically used to pay off existing high interest loans like credit cards. Daine required a debt consolidation loan to pay for their existing mortgage and their credit card. Daine was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a technique 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 3.4%.

Client Profile: Daine Cibula of Howells, Nebraska
  • Full name (Changed if requested): Daine Cibula
  • Current Credit: loans.hit.utils.Fico@23ab930d
  • Current City: Howells
  • State: Nebraska
  • Zip code: 68644
  • Yearly income: $38,000
  • Current Job: foreign exchange trader
  • Current County: Colfax
  • Goal Yearly Income: $94,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Conclusion of Daine’s mortgage

In the end, Daine was able to find a mortgage for $114000 with an interest rate of 9.7% interest APR from Howells Bank in Howells, Nebraska repayable over 15 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.