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Henrietta Gualdoni’s Mortgage For 26000 Dollars In Cumming Georgia

$26000 Mortgage – Cumming Georgia, Credit Rating Of 342

  • Experian: 358 – This individual had a terrible Experian score
  • Transunion: 325 – Henrietta had a terrible credit rating with Transunion.
  • Equifax: Henrietta’s Experian score was 342, which is a terrible credit rating using the Experian system.

Paraphrased and Standardized Quote from Henrietta for this mortgage of $26000, provided by Jefferson State Bank

Hello, I am Henrietta and I’m from Cumming in Georgia. Forsyth, county is where I grew up, and now I need a mortgage in Georgia for $26000 to avoid bankruptcy. It wasn’t easy, but Jefferson State Bank really came through for me with this loan for 10.7% interest APR and a term of 15 years. I can repay the loan over the 15 year term, including interest. A big thanks to Jefferson State Bank for trusting me and my terrible credit. It look me 8 years to create my credit to 342, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for helping me this far.

Henrietta’s Overall FICO score at the time of acceptance for a mortgage, taking into account their dental laboratory technician job and their future career as a floral designer

Fico Score: 342

Previous requests on Henrietta’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$9590.00 7 10.8% $163.2 NationsBank of Florida, National Association May 9, 2011
$9880.00 4 8.8% $244.93 Century Bank and Trust December 4, 2011
$10210.00 3 11.2% $335.23 Bank of Madison August 28, 2012
$10110.00 11 9.7% $124.87 Bank of Hazlehurst December 23, 2013
$9580.00 8 9.3% $141.84 The Citizens and Southern Bank of Dublin June 2, 2014

When Henrietta was 24, they attempted to obtain a student loan from 7 alternate banks, which damaged their credit rating. Below is a chronology of Henrietta’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on November 24, 2011
  • Attempt 2) Loan for $36,000.00 on January 9, 2014
  • Attempt 3) Loan for $23,000.00 on April 24, 2013
  • Attempt 4) Loan for $34,000.00 on September 22, 2010
  • Attempt 5) Loan for $37,000.00 on February 4, 2009
  • Attempt 6) Loan for $27,000.00 on January 21, 2010
  • Attempt 7) Loan for $20,000.00 on February 8, 2012

Henrietta has a disappointing current gross income, but has a large amount of prospects

Henrietta has always wanted to be a floral designer, but would need attend Maricopa Community Colleges – Phoenix College again to achieve it. Henrietta has other possibilities as well, including able seamen, civil engineer, and product planner, which pay $57,000 through to $93,000 per year, on average. Because of this, we think that Henrietta can pay for this mortgage of $26000.

Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans range from $21,000.00 to $55,000.00. They are typically used to pay off existing high interest loans like credit cards. Henrietta needed a debt consolidation loan to pay for their existing mortgage and their payday loan. Henrietta was able to find a mortgage in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your bad, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 4.8%.

Henrietta was declined by The Peoples Bank of Talbotton 6 times prior to being approved by Jefferson State Bank at 108 Canton Road

On February 13, 2012, Henrietta inquired about borrowing $12,000 from Allied Bank of Georgia with Jeanna, their friend from just outside Cumming, and even with the co-signer, Henrietta was rejected for this mortgage. With terrible credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Installment loan for Henrietta, a graduate of Maricopa Community Colleges – Phoenix College and a dental laboratory technician working for over $73,000 per year

Henrietta, an alumnus at Maricopa Community Colleges – Phoenix College and a dental laboratory technician in Cumming, Georgia needs a mortgage to purchase a house. Henrietta has instead chosen to obtain an installment loan for $23,000 and is currently seeking lenders like Bank of Madison to process their request.

Henrietta’s Transunion score was changed by the mortgage loan, changing to 325 from 342, which is typical in our experience.

Transunion Score: 325

Signature Loan found in Cumming, Georgia for $26000 with terrible credit by Henrietta

A lot of prospective borrowers struggle with obtaining signature loans in Cumming, Georgia, and Henrietta is no different. Henrietta went to 4 lenders or more before finding Jefferson State Bank, who offered Henrietta a signature loan for $26000. Most signature loans simply need a client, like Henrietta’s signature to get them, up to $23,000 in some cases. Henrietta was able to get $26000 as a mortgage, which is very high for a mortgage. Because signature loans don’t need collateral, they generally need improved credit, as high as 779

Client Profile: Henrietta Gualdoni of Cumming, Georgia
  • Full name (Changed if requested): Henrietta Gualdoni
  • Current Credit: loans.hit.utils.Fico@300ffa5d
  • Current City: Cumming
  • State: Georgia
  • Zip code: 30042
  • Yearly income: $64,000
  • Current Job: dental laboratory technician
  • Current County: Forsyth
  • Goal Yearly Income: $120,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Personal Loan for a dental laboratory technician named Henrietta in Cumming, Georgia to Pay Off Citi Platinum Select CITGO MasterCard

Henrietta had a tonne of credit card debt on their Justice Credit Card and their City National Bank Visa Signature Card, and they were starting to get in over their heads. Despite Henrietta’s job as a dental laboratory technician, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

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

  • Jefferson State Bank
  • City: Cumming
  • State: Georgia
  • Address: 108 Canton Road
  • County: Forsyth
  • Zip code: 30040

9 Months in the Past, Henrietta Tried to Find a High Risk Loan for $21,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for borrowers to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Henrietta. Henrietta decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit individuals. Clients with credit scores as low as 330 can inquire for a high risk loan and have a chance to be approved.

Before applying for this mortgage, Henrietta had an Experian score of 358, which is terrible, so Jefferson State Bank most likely cannot provide Henrietta a mortgage

Experian Score: 358

Several past requests for credit have been made by Henrietta in the past, including one from The First State Bank of Rosemount in Cumming, Georgia before Henrietta was approved for the $26000 by Jefferson State Bank

Henrietta made 7 prior attempts to obtain a mortgage, 2 of which were with The First State Bank of Rosemount, a lending institution in Cumming, Georgia known to specialize in mortgages specifically. Prior to finding Jefferson State Bank, Henrietta was concerned due to their inexperience and terrible credit rating.

Fast Loans for Henrietta in Cumming, Georgia to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Cumming, Georgia aren’t actually that difficult to obtain, especially if you have some gumption like Henrietta. Henrietta was able to find a fast loan for $26000 from Washington Loan & Banking Company and Roswell Bank, but turned down both offers in favor of their mortgage from Jefferson State 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 5 weeks for personal loans. An improvement in the case that you are in a time sensitive situation.

Conclusion of Henrietta’s mortgage

In the end, Henrietta was able to find a mortgage for $26000 with an interest rate of 9.6% interest APR from Jefferson State Bank in Cumming, Georgia repayable over 15 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.