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22 Year, Fixed Interest Mortgage For Chiquita In Pennsylvania

$92000 Mortgage – Kane Pennsylvania, Credit Score Of 422

  • Experian: 434 – They had a bad Experian rating
  • Transunion: 408 – Chiquita had a bad credit rating with Transunion.
  • Equifax: Chiquita’s Experian score was 422, which is a bad credit score using the Experian rating scheme.

7 Months Ago, Chiquita Tried to Find a High Risk Loan for $49,000.00, but They Didn’t Find What They were Expecting

There is an existing struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Chiquita. Chiquita chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Clients with credit scores as low as 360 can apply for a high risk loan and have a chance to be accepted.

Before applying for this mortgage, Chiquita had an Experian score of 434, which is bad, so First Federal Savings Bank of Kane probably cannot provide Chiquita a mortgage

Experian Score: 434

Many other requests for credit have been made by Chiquita in the past, including one from Stifel Bank and Trust in Kane, Pennsylvania before Chiquita was accepted for the $92000 by First Federal Savings Bank of Kane

Chiquita made 4 previous attempts to obtain a mortgage, 2 of which were with Stifel Bank and Trust, a lender in Kane, Pennsylvania known to specialize in mortgages specifically. Before finding First Federal Savings Bank of Kane, Chiquita was concerned due to their inexperience and bad credit rating.

Signature Loan acquired in Kane, Pennsylvania for $92000 with bad credit by Chiquita

Most prospective borrowers have difficulty with finding signature loans in Kane, Pennsylvania, and Chiquita is not an exception. Chiquita went to 6 lending institutions or more prior to settling on First Federal Savings Bank of Kane, who offered Chiquita a signature loan for $92000. Most signature loans simply require a client, like Chiquita’s signature to obtain them, up to $26,000 in some cases. Chiquita was able to get $92000 as a mortgage, which is very high for a mortgage. Since signature loans don’t need collateral, these loans tend to require improved credit, as high as 792

Previous requests on Chiquita’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$122200.00 10 6.3% $1375.15 The People’s Bank of Oxford March 23, 2011
$122110.00 7 11.4% $2116.59 First Lehigh Bank January 30, 2014
$122280.00 5 6.1% $2369.71 SunBank June 26, 2014
$122140.00 7 10.2% $2040.31 Merchants Bank (North) November 18, 2014
$122200.00 3 6.6% $3750.87 Green Ridge Bank December 24, 2014

Chiquita has a low current total income, but has a high number of prospects

Chiquita has always wanted to be a forest engineer, but would need attend Benedictine University again to become one. Chiquita has other possibilities as well, including farm hand, commercial diver, and photogrammetric engineer, which pay $56,000 through to $99,000 per year, on average. For this reason, we think that Chiquita can pay for this mortgage of $92000.

Chiquita’s Overall FICO score at the time of acceptance for a mortgage, taking into account their environmental science technician job and their future career as a forest engineer

Fico Score: 422

Contact Details for First Federal Savings Bank of Kane, the provider of this mortgage

  • First Federal Savings Bank of Kane
  • City: Kane
  • State: Pennsylvania
  • Address: 56 Fraley Street
  • County: Mckean
  • Zip code: 16735
Client Profile: Chiquita Otley of Kane, Pennsylvania
  • Full name (Changed if requested): Chiquita Otley
  • Current Credit: loans.hit.utils.Fico@61e4705b
  • Current City: Kane
  • State: Pennsylvania
  • Zip code: 16743
  • Yearly income: $47,000
  • Current Job: environmental science technician
  • Current County: Mckean
  • Goal Yearly Income: $97,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Paraphrased and Standardized Quote from Chiquita for this mortgage of $92000, provided by First Federal Savings Bank of Kane

Hi, I am Chiquita and I’m from Kane in Pennsylvania. Mckean, county is where I grew up, and now I need a mortgage in Pennsylvania for $92000 to buy a big ticket item. It wasn’t easy, but First Federal Savings Bank of Kane really came through for me with this loan for 5.6% interest APR and a term of 22 years. I can repay the loan over the 22 year term, including interest. A big thanks to First Federal Savings Bank of Kane for trusting me and my bad credit. It look me 6 years to create my credit to 422, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for helping me this far.

When Chiquita was 23, they attempted to obtain a student loan from 7 alternate lenders, which harmed their credit rating. Below is a chronology of Chiquita’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on January 14, 2012
  • Attempt 2) Loan for $20,000.00 on April 4, 2009
  • Attempt 3) Loan for $26,000.00 on April 24, 2011
  • Attempt 4) Loan for $35,000.00 on April 11, 2010
  • Attempt 5) Loan for $36,000.00 on November 29, 2011
  • Attempt 6) Loan for $38,000.00 on January 23, 2013
  • Attempt 7) Loan for $20,000.00 on November 30, 2011

Personal Loan for an environmental science technician named Chiquita in Kane, Pennsylvania to Pay Off Los Angeles Dodgers BankAmericard Cash Rewards MasterCard

Chiquita had a lot of credit card debt on their UNFCU Student Credit Card and their Glens Falls National Bank & Trust Secured Visa Card, and they were starting to get in over their heads. Despite Chiquita’s job as an environmental science technician, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $22,000.00 to $55,000.00. They are typically used to pay off existing high interest loans like credit cards. Chiquita needed a debt consolidation loan to pay for their existing mortgage and their loan shark loan. Chiquita was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.1%.

Chiquita was declined by First Columbia Bank & Trust Co. 6 times prior to being granted funding by First Federal Savings Bank of Kane at 56 Fraley Street

On February 24, 2011, Chiquita applied about borrowing $24,000 from Community Bank and Trust Company with Tayna, their in law from just outside Kane, and even with the co-signer, Chiquita was rejected for this mortgage. With bad credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Installment loan for Chiquita, a graduate of Benedictine University and an environmental science technician working for over $77,000 per year

Chiquita, an alumnus at Benedictine University and an environmental science technician in Kane, Pennsylvania wants a mortgage to purchase a car. Chiquita has instead chosen to obtain an installment loan for $12,000 and is at present seeking lenders like Community Bank and Trust Company to process their request.

Fast Loans for Chiquita in Kane, Pennsylvania to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Kane, Pennsylvania aren’t actually that difficult to obtain, especially if you have some finesse like Chiquita. Chiquita was able to find a fast loan for $92000 from Summit Hill Trust Company and Merchants Bank (North), but turned down both offers in favor of their mortgage from First Federal Savings Bank of Kane. The difference 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 installment loans. A big improvement if a borrower is in a time sensitive situation.

Chiquita’s Transunion score was changed by the mortgage loan, changing to 408 from 422, which is normal in our experience.

Transunion Score: 408

Conclusion of Chiquita’s mortgage

In the end, Chiquita was able to find a mortgage for $92000 with an interest rate of 10.3% interest APR from First Federal Savings Bank of Kane in Kane, Pennsylvania repayable over 22 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.