$60000 Home Loan – Lufkin Texas, Credit Rating Of 818
- Experian: 833 – This client had an excellent Experian score
- Transunion: 803 – Tatyana had an excellent credit score with Transunion.
- Equifax: Tatyana’s Experian score was 818, which is an excellent credit score using the Experian system.
Installment loan for Tatyana, a graduate of North Central University and a sawing machine operator working for over $66,000 per year
Tatyana, an alumnus at North Central University and a sawing machine operator in Lufkin, Texas needs a home loan to purchase a new cell phone. Tatyana has instead chosen to get an installment loan for $16,000 and is currently seeking lenders like Vista Bank to process their request.
Previous requests on Tatyana’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$133570.00||4||10.8%||$3439.23||Comerica Bank||June 27, 2009|
|$134170.00||3||8.5%||$4235.42||First Star Bank, S.S.B.||April 20, 2010|
|$134200.00||5||5.3%||$2551.01||Brownfield State Bank & Trust Co.||May 18, 2011|
|$134220.00||4||9.1%||$3346.45||First Bank & Trust, Bryan, Texas||February 24, 2013|
Several past requests for credit have been made by Tatyana in the past, including one from Blackhawk Bank in Lufkin, Texas before Tatyana was approved for the $60000 by First City, Texas – Lufkin, National Association
Tatyana made 4 previous tries to obtain a home loan, 2 of which were with Blackhawk Bank, a lending institution in Lufkin, Texas known to specialize in home loans specifically. Before finding First City, Texas – Lufkin, National Association, Tatyana was very concerned due to their inexperience and excellent credit score.
Signature Loan acquired in Lufkin, Texas for $60000 with excellent credit by Tatyana
A lot of prospective borrowers have difficulty with obtaining signature loans in Lufkin, Texas, and Tatyana is no exception. Tatyana went to 6 lenders or more before finding First City, Texas – Lufkin, National Association, who offered Tatyana a signature loan for $60000. Typical signature loans simply require a client, like Tatyana’s signature to get them, up to $21,000 in some cases. Tatyana was able to get $60000 as a home loan, which is very high for a home loan. Since signature loans don’t need a cosigner, these loans generally require better credit, as high as 756
Personal Loan for a sawing machine operator named Tatyana in Lufkin, Texas to Pay Off The Workmen’s Circle Visa Card
Tatyana had a lot of credit card debt on their Farm Bureau Bank World MasterCard and their First Niagara Platinum MasterCard, and they were starting to get in over their heads. Despite Tatyana’s job as a sawing machine operator, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.
When Tatyana was 23, they attempted to obtain a student loan from 7 alternate lenders, which harmed their credit rating. Below is a chronology of Tatyana’s previous attempts at finding a student loan:
- Attempt 1) Loan for $35,000.00 on March 16, 2012
- Attempt 2) Loan for $37,000.00 on September 14, 2012
- Attempt 3) Loan for $24,000.00 on November 22, 2009
- Attempt 4) Loan for $22,000.00 on July 27, 2010
- Attempt 5) Loan for $30,000.00 on July 2, 2012
- Attempt 6) Loan for $36,000.00 on May 1, 2009
- Attempt 7) Loan for $31,000.00 on June 10, 2010
Tatyana’s Overall FICO score at the time of acceptance for a home loan, taking into account their sawing machine operator job and their future job as an occupational therapy assistant
Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Average debt consolidation loans vary from $39,000.00 to $53,000.00. They are normally used to pay off existing high interest loans like credit cards. Tatyana needed a debt consolidation loan to pay for their existing home loan and their payday loan. Tatyana was able to find a home loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.8%.
Tatyana has a very low current total income, but has several of prospects
Tatyana has always wanted to be an occupational therapy assistant, but would have to attend North Central University again to achieve it. Tatyana has other prospects as well, including musical instrument tuner, lathe operator, and criminal investigator, which pay $53,000 through to $109,000 per year, at least. Because of this, we think that Tatyana can afford this home loan of $60000.
Tatyana was not approved by First RepublicBank Clifton 5 times before being accepted by First City, Texas – Lufkin, National Association at 203 South First Street
On April 19, 2009, Tatyana inquired about borrowing $28,000 from Farmers State Bank of Madisonville, Texas with Evelyne, their friend from just outside Lufkin, and even with the co-signer, Tatyana was rejected for this home loan. With excellent credit, it can be difficult to procure financing, even with collateral and a co-signer.
6 Months in the Past, Tatyana Tried Finding a High Risk Loan for $30,000.00, and it was Hard
It is an existing struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Tatyana. Tatyana decided not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Individuals with credit ratings as low as 513 can apply for a high risk loan and have a chance to be accepted.
Contact Details for First City, Texas – Lufkin, National Association, the provider of this home loan
- First City, Texas – Lufkin, National Association
- City: Lufkin
- State: Texas
- Address: 203 South First Street
- County: Angelina
- Zip code: 75901
- Full name (Changed if requested): Tatyana Sossamon
- Current Credit: loans.hit.utils.Fico@306a30c7
- Current City: Lufkin
- State: Texas
- Zip code: 75904
- Yearly income: $30,000
- Current Job: sawing machine operator
- Current County: Angelina
- Goal Yearly Income: $86,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Tatyana’s Transunion score was changed by the home loan loan, changing to 803 from 818, which is typical in our experience.
Before applying for this home loan, Tatyana had an Experian score of 833, which is excellent, so First City, Texas – Lufkin, National Association most likely cannot provide Tatyana a home loan
Paraphrased and Standardized Quote from Tatyana for this home loan of $60000, provided by First City, Texas – Lufkin, National Association
Hi, I am Tatyana and I’m from Lufkin in Texas. Angelina, county is where I grew up, and now I need a home loan in Texas for $60000 to buy a big ticket item. It wasn’t easy, but First City, Texas – Lufkin, National Association really came through for me with this loan for 9.8% interest APR and a term of 5 years. I can repay the loan over the 5 year term, including interest. A big thanks to First City, Texas – Lufkin, National Association for giving me a chance and my excellent credit. It look me 9 years to create my credit to 818, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.
Fast Loans for Tatyana in Lufkin, Texas to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Lufkin, Texas aren’t actually that difficult to obtain, particularly if you have some gumption like Tatyana. Tatyana was able to find a fast loan for $60000 from First State Bank of Mathis and MBank Greenville, National Association, but declined both offers in favor of their home loan from First City, Texas – Lufkin, National Association. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big improvement if a client is in a time sensitive situation.
Conclusion of Tatyana’s home loan
In the end, Tatyana was able to find a home loan for $60000 with an interest rate of 6.7% interest APR from First City, Texas – Lufkin, National Association in Lufkin, Texas repayable over 5 years from now.