$192000 Mortgage – Poughkeepsie New York, Credit Rating Of 796
- Experian: 808 – This client had an excellent Experian score
- Transunion: 778 – Melodie had an excellent credit rating with Transunion.
- Equifax: Melodie’s Experian score was 796, which is an excellent credit rating on the Experian scale.
Melodie’s Overall FICO score at the time of acceptance for a mortgage, taking into account their forest fire prevention supervisor job and their future career as a tax collector
Before applying for this mortgage, Melodie had an Experian score of 808, which is excellent, so Bank of the Hudson most likely cannot provide Melodie a mortgage
Paraphrased and Standardized Quote from Melodie for this mortgage of $192000, provided by Bank of the Hudson
Hello, I am Melodie and my hometown is Poughkeepsie in New York. Dutchess, county is where I grew up, and now I need a mortgage in New York for $192000 to buy a big ticket item. It has been difficult, but Bank of the Hudson really came through for me with this loan for 6.3% interest APR and a term of 22 years. I can repay the loan over the 22 year term, including interest. A big thanks to Bank of the Hudson for trusting me and my excellent credit. It look me 9 years to build my credit to 796, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.
When Melodie was 21, they attempted to obtain a student loan from 6 alternate lenders, which harmed their credit rating. Below is a chronology of Melodie’s prior attempts at finding a student loan:
- Attempt 1) Loan for $20,000.00 on April 5, 2013
- Attempt 2) Loan for $23,000.00 on August 28, 2010
- Attempt 3) Loan for $39,000.00 on August 18, 2013
- Attempt 4) Loan for $37,000.00 on December 2, 2013
- Attempt 5) Loan for $21,000.00 on December 9, 2008
- Attempt 6) Loan for $28,000.00 on December 13, 2009
Personal Loan for a forest fire prevention supervisor named Melodie in Poughkeepsie, New York to Pay Off Citizens Bank Everyday Points Platinum MasterCard
Melodie had a lot of credit card debt on their Oregon-California Trails Association Visa Card and their Levin Furniture Credit Card, and they were starting to get in over their heads. Despite Melodie’s job as a forest fire prevention supervisor, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Melodie was rejected by First State Bank 7 times before being granted funding by Bank of the Hudson at 21 Market Street
On December 18, 2010, Melodie inquired about borrowing $2,000 from Tompkins Trust Company with Stefanie, their in law from just outside Poughkeepsie, and even with the co-signer, Melodie was rejected for this mortgage. With excellent credit, it can be difficult to procure funding, even with collateral and a co-signer.
Melodie’s Transunion score was changed by the mortgage loan, changing to 778 from 796, which is normal in our experience.
Contact Details for Bank of the Hudson, the provider of this mortgage
- Bank of the Hudson
- City: Poughkeepsie
- State: New York
- Address: 21 Market Street
- County: Dutchess
- Zip code: 12602
Signature Loan found in Poughkeepsie, New York for $192000 with excellent credit by Melodie
Most clients have difficulty with obtaining signature loans in Poughkeepsie, New York, and Melodie is no different. Melodie went to 7 lending institutions or more prior to finding Bank of the Hudson, who offered Melodie a signature loan for $192000. Typical signature loans simply need a client, like Melodie’s signature to get them, up to $49,000 in some cases. Melodie was able to get $192000 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 727
Melodie has a very low current gross income, but has several of prospects
Melodie has always wanted to be a tax collector, but would need attend Southern Crescent Technical College again to become one. Melodie has other prospects as well, including music teacher, administrative law judge, and purchasing manager, which pay $54,000 through to $101,000 per year, at least. For this reason, we believe that Melodie can afford this mortgage of $192000.
- Full name (Changed if requested): Melodie Puca
- Current Credit: loans.hit.utils.Fico@ea30797
- Current City: Poughkeepsie
- State: New York
- Zip code: 12604
- Yearly income: $59,000
- Current Job: forest fire prevention supervisor
- Current County: Dutchess
- Goal Yearly Income: $147,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000
7 Months Ago, Melodie Tried Finding a High Risk Loan for $45,000.00, but They Didn’t Find What They were Expecting
It is an existing struggle for clients to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Melodie. Melodie chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Individuals with credit ratings as low as 358 can apply for a high risk loan and may be be accepted.
Installment loan for Melodie, a graduate of Southern Crescent Technical College and a forest fire prevention supervisor working for over $79,000 per year
Melodie, an alumnus at Southern Crescent Technical College and a forest fire prevention supervisor in Poughkeepsie, New York wants a mortgage to purchase a car. Melodie has instead decided to get an installment loan for $11,000 and is currently seeking lenders like IBJ Whitehall Bank & Trust Company to provide it.
Fast Loans for Melodie in Poughkeepsie, New York to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Poughkeepsie, New York aren’t actually that difficult to obtain, particularly if you have some finesse like Melodie. Melodie was able to find a fast loan for $192000 from Deutsche Bank Trust Company Americas and The Cohocton State Bank, but declined both offers in favor of their mortgage from Bank of the Hudson. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. Much better if a borrower is in a time sensitive situation.
Several previous requests for credit have been made by Melodie in the past, including one from New Braunfels Savings and Loan Association, FA in Poughkeepsie, New York before Melodie was approved for the $192000 by Bank of the Hudson
Melodie made 9 prior attempts to obtain a mortgage, 2 of which were with New Braunfels Savings and Loan Association, FA, a lending institution in Poughkeepsie, New York known to specialize in mortgages specifically. Prior to finding Bank of the Hudson, Melodie was desperate due to their inexperience and excellent credit rating.
Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Normal debt consolidation loans vary from $25,000.00 to $46,000.00. They are typically used to pay off existing high interest loans like credit cards. Melodie needed a debt consolidation loan to pay for their existing mortgage and their credit card. Melodie was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 4.3%.
Previous requests on Melodie’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $130320.00 | 9 | 9.7% | $1813.63 | Bankers Trust Company of Albany, National Association | May 19, 2011 |
| $130370.00 | 11 | 8.6% | $1530.67 | Montgomery County Trust Company | April 22, 2012 |
| $130290.00 | 5 | 6.8% | $2567.62 | Bank of Avoca | September 20, 2013 |
| $129520.00 | 10 | 8.1% | $1578.29 | The State Bank of Belmont | May 7, 2014 |
| $130490.00 | 4 | 11.3% | $3391.62 | Fleet Bank of New York, National Association | September 14, 2014 |
Conclusion of Melodie’s mortgage
In the end, Melodie was able to find a mortgage for $192000 with an interest rate of 8.5% interest APR from Bank of the Hudson in Poughkeepsie, New York repayable over 22 years from today.
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