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$82000 Mortgage With Bad Credit In Columbus Nebraska

$82000 Mortgage – Columbus Nebraska, Credit Rating Of 407

  • Experian: 420 – This individual had a bad Experian rating
  • Transunion: 388 – Audrey had a bad credit score with Transunion.
  • Equifax: Audrey’s Experian score was 407, which is a bad credit score using the Experian scale.

9 Months Ago, Audrey Tried Finding a High Risk Loan for $23,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for borrowers to get high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Audrey. Audrey chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Individuals with credit ratings as low as 510 can apply for a high risk loan and have a chance to be approved.

Personal Loan for an electric meter installer named Audrey in Columbus, Nebraska to Pay Off KeyBank Business Rewards MasterCard Credit Card

Audrey had a tonne of credit card debt on their Bar Harbor Bank & Trust Visa and their Bloomingdale’s American Express Card, and they were starting to get in over their heads. Despite Audrey’s job as an electric meter installer, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $36,000.00 to $45,000.00. They are normally used to pay off existing high interest loans like credit cards. Audrey needed a debt consolidation loan to pay for their existing mortgage and their credit card. Audrey was able to find a mortgage in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your less desirable, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.6%.

Contact Details for Pinnacle Bank, National Association, the provider of this mortgage

  • Pinnacle Bank, National Association
  • City: Columbus
  • State: Nebraska
  • Address: 2472 33rd Avenue
  • County: Platte
  • Zip code: 68601

Audrey’s Transunion score was changed by the mortgage loan, changing to 388 from 407, which is normal in our experience.

Transunion Score: 388

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

Audrey has always wanted to be a brattice builder, but would have to attend Kendall College again to become one. Audrey has other possibilities as well, including fish hatchery specialist, real estate appraiser, and forest fire inspector, which pay $59,000 through to $105,000 per year, at least. For this reason, we believe that Audrey can pay for this mortgage of $82000.

Fast Loans for Audrey in Columbus, Nebraska to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Columbus, Nebraska aren’t actually that difficult to obtain, especially if you have some finesse like Audrey. Audrey was able to find a fast loan for $82000 from Alliance National Bank and Trust Company and Wahoo State Bank, but declined both offers in favor of their mortgage from Pinnacle Bank, 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 7 weeks for personal loans. Much better if you are in a pinch.

When Audrey was 22, they tried to obtain a student loan from 6 different banks, which harmed their credit rating. Below is a chronology of Audrey’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on July 10, 2010
  • Attempt 2) Loan for $31,000.00 on March 14, 2012
  • Attempt 3) Loan for $38,000.00 on September 22, 2009
  • Attempt 4) Loan for $36,000.00 on December 24, 2011
  • Attempt 5) Loan for $28,000.00 on October 27, 2008
  • Attempt 6) Loan for $29,000.00 on April 9, 2012

Previous requests on Audrey’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$44240.00 5 10.5% $950.89 Citizens Bank December 3, 2009
$44320.00 6 6.3% $740.8 Stromsburg Bank July 16, 2011
$44190.00 11 8.6% $518.83 Wahoo State Bank September 1, 2011
$43670.00 5 5.5% $834.15 Arlington State Bank June 15, 2013

Audrey was not approved by The First National Bank of Bayard 4 times before being approved by Pinnacle Bank, National Association at 2472 33rd Avenue

On April 21, 2011, Audrey inquired about borrowing $46,000 from Western National Bank with Gwenn, their in law from just outside Columbus, and even with the co-signer, Audrey was rejected for this mortgage. With bad credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Multiple past requests for credit have been made by Audrey in the past, including one from Kingstree Federal Savings and Loan Association in Columbus, Nebraska before Audrey was accepted for the $82000 by Pinnacle Bank, National Association

Audrey made 4 prior attempts to obtain a mortgage, 2 of which were with Kingstree Federal Savings and Loan Association, a lender in Columbus, Nebraska known to specialize in mortgages specifically. Before finding Pinnacle Bank, National Association, Audrey was desperate due to their inexperience and bad credit score.

Paraphrased and Standardized Quote from Audrey for this mortgage of $82000, provided by Pinnacle Bank, National Association

Hi, I am Audrey and I’m from Columbus in Nebraska. Platte, county is where I grew up, and now I need a mortgage in Nebraska for $82000 to avoid bankruptcy. It wasn’t easy, but Pinnacle Bank, National Association really came through for me with this loan for 6.4% interest APR and a term of 20 years. I can repay the loan over the 20 year term, including interest. A big thanks to Pinnacle Bank, National Association for trusting me and my bad credit. It look me 8 years to create my credit to 407, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.

Before applying for this mortgage, Audrey had an Experian score of 420, which is bad, so Pinnacle Bank, National Association probably cannot provide Audrey a mortgage

Experian Score: 420

Audrey’s Overall FICO score at the time of acceptance for a mortgage, taking into account their electric meter installer job and their future job as a brattice builder

Fico Score: 407

Client Profile: Audrey Arico of Columbus, Nebraska
  • Full name (Changed if requested): Audrey Arico
  • Current Credit: loans.hit.utils.Fico@277c0f21
  • Current City: Columbus
  • State: Nebraska
  • Zip code: 68602
  • Yearly income: $64,000
  • Current Job: electric meter installer
  • Current County: Platte
  • Goal Yearly Income: $123,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Signature Loan found in Columbus, Nebraska for $82000 with bad credit by Audrey

Many prospective borrowers struggle with finding signature loans in Columbus, Nebraska, and Audrey is no exception. Audrey went to 8 lending institutions or more before finding Pinnacle Bank, National Association, who offered Audrey a signature loan for $82000. Typical signature loans simply require a client, like Audrey’s signature to get them, up to $42,000 in some cases. Audrey was able to get $82000 as a mortgage, which is very high for a mortgage. Since signature loans do not require a cosigner, they tend to require better credit, as high as 751

Installment loan for Audrey, a graduate of Kendall College and an electric meter installer working for over $65,000 per year

Audrey, an alumnus at Kendall College and an electric meter installer in Columbus, Nebraska wants a mortgage to purchase something frivolous. Audrey has instead decided to obtain an installment loan for $14,000 and is at present seeking lenders like Ashton State Bank to process their request.

Conclusion of Audrey’s mortgage

In the end, Audrey was able to find a mortgage for $82000 with an interest rate of 11.7% interest APR from Pinnacle Bank, National Association in Columbus, Nebraska repayable over 20 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.