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Ericka Visco’s Home Loan For 132000 Dollars In Remington Indiana

$132000 Home Loan – Remington Indiana, Credit Rating Of 424

  • Experian: 439 – They had a bad Experian rating
  • Transunion: 412 – Ericka had a bad credit score with Transunion.
  • Equifax: Ericka’s Experian score was 424, which is a bad credit rating with the Experian scale.

Paraphrased and Standardized Quote from Ericka for this home loan of $132000, provided by State Bank of Remington, Indiana

Hello, I am Ericka and I am from Remington in Indiana. Jasper, county is where I grew up, and now I need a home loan in Indiana for $132000 to pay bills. It has been difficult, but State Bank of Remington, Indiana really came through for me with this loan for 9.4% interest APR and a term of 15 years. I can probably repay the loan over the 15 year term, including interest. A big thanks to State Bank of Remington, Indiana for giving me a chance and my bad credit. It look me 4 years to build my credit to 424, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.

Ericka’s Transunion score was changed by the home loan loan, changing to 412 from 424, which is normal in our experience.

Transunion Score: 412

Many previous requests for credit have been made by Ericka in the past, including one from KeyBank National Association in Remington, Indiana before Ericka was accepted for the $132000 by State Bank of Remington, Indiana

Ericka made 8 previous attempts to obtain a home loan, 2 of which were with KeyBank National Association, a lending institution in Remington, Indiana known to specialize in home loans specifically. Before finding State Bank of Remington, Indiana, Ericka was concerned due to their inexperience and bad credit score.

Fast Loans for Ericka in Remington, Indiana to prevent bankruptcy or harm from debt collectors.

Fast loans in Remington, Indiana aren’t actually that difficult to obtain, especially if you have some gumption like Ericka. Ericka was able to find a fast loan for $132000 from Union State Bank and The Union Bank, but turned down both offers in favor of their home loan from State Bank of Remington, Indiana. 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 if a borrower is in a time sensitive situation.

Personal Loan for a merchandise displayer named Ericka in Remington, Indiana to Pay Off Lanpass Visa Card

Ericka had a tonne of credit card debt on their Trek Credit Card and their Houston Astros BankAmericard Cash Rewards MasterCard, and they were starting to get in over their heads. Despite Ericka’s job as a merchandise displayer, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Ericka was rejected by Community State Bank 4 times prior to being granted funding by State Bank of Remington, Indiana at 101 East Division Street

On May 31, 2011, Ericka inquired about borrowing $44,000 from Orange County Bank with Junie, their in law from just outside Remington, and even with the co-signer, Ericka was rejected for this home loan. With bad credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Signature Loan easily acquired in Remington, Indiana for $132000 with bad credit by Ericka

A lot of borrowers struggle with obtaining signature loans in Remington, Indiana, and Ericka is no different. Ericka went to 4 lenders or more prior to settling on State Bank of Remington, Indiana, who offered Ericka a signature loan for $132000. Typical signature loans simply require a client, like Ericka’s signature to obtain them, up to $34,000 in some cases. Ericka was able to get $132000 as a home loan, which is very high for a home loan. Since signature loans don’t require collateral, they tend to require improved credit, as high as 748

Client Profile: Ericka Visco of Remington, Indiana
  • Full name (Changed if requested): Ericka Visco
  • Current Credit: loans.hit.utils.Fico@3581c5f3
  • Current City: Remington
  • State: Indiana
  • Zip code: 47986
  • Yearly income: $47,000
  • Current Job: merchandise displayer
  • Current County: Jasper
  • Goal Yearly Income: $98,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

6 Months Ago, Ericka Attempted to Find a High Risk Loan for $34,000.00, and it was Easy

It is an ongoing struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Ericka. Ericka chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Individuals with credit ratings as low as 523 can apply for a high risk loan and possibly can be accepted.

Ericka has a very low current yearly income, but has several of prospects

Ericka has always wanted to be a harbor master, but would need attend Fort Wayne School of Radiography again to become one. Ericka has other prospects as well, including child care center administrator, ship mate, and agricultural equipment operator, which pay $59,000 through to $95,000 per year, at least. For this reason, we believe that Ericka can pay for this home loan of $132000.

When Ericka was 19, they attempted to obtain a student loan from 6 different lenders, which harmed their credit rating. Below is a chronology of Ericka’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $30,000.00 on January 14, 2009
  • Attempt 2) Loan for $34,000.00 on July 26, 2009
  • Attempt 3) Loan for $37,000.00 on October 10, 2013
  • Attempt 4) Loan for $37,000.00 on June 15, 2012
  • Attempt 5) Loan for $32,000.00 on November 26, 2008
  • Attempt 6) Loan for $31,000.00 on March 20, 2011

Contact Details for State Bank of Remington, Indiana, the provider of this home loan

  • State Bank of Remington, Indiana
  • City: Remington
  • State: Indiana
  • Address: 101 East Division Street
  • County: Jasper
  • Zip code: 47977

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

Average debt consolidation loans range from $23,000.00 to $45,000.00. They are mainly used to pay off existing high interest loans like credit cards. Ericka required a debt consolidation loan to pay for their existing home loan and their credit card. Ericka was able to find a home loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.4%.

Installment loan for Ericka, a graduate of Fort Wayne School of Radiography and a merchandise displayer working for over $64,000 per year

Ericka, an alumnus at Fort Wayne School of Radiography and a merchandise displayer in Remington, Indiana wants a home loan to purchase something frivolous. Ericka has instead chosen to get an installment loan for $11,000 and is at present seeking lenders like American State Bank to process their request.

Before applying for this home loan, Ericka had an Experian score of 439, which is bad, so State Bank of Remington, Indiana probably cannot provide Ericka a home loan

Experian Score: 439

Previous requests on Ericka’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$78210.00 6 7.2% $1340.93 The Citizens Exchange Bank February 21, 2012
$77650.00 7 8.2% $1218.02 Alliance Bank June 11, 2012
$77720.00 3 11.1% $2548.14 Farmers State Bank July 11, 2013
$77600.00 6 11.5% $1496.99 First United Bank, National Association December 2, 2014
$77870.00 5 5.2% $1476.65 Farmers State Bank March 22, 2015

Ericka’s Overall FICO score at the time of acceptance for a home loan, taking into account their merchandise displayer job and their future career as a harbor master

Fico Score: 424

Conclusion of Ericka’s home loan

In the end, Ericka was able to find a home loan for $132000 with an interest rate of 5.5% interest APR from State Bank of Remington, Indiana in Remington, Indiana 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.