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$140000 Mortgage In Pagosa Springs Colorado With Credit Score 789 For Kenna

$140000 Mortgage – Pagosa Springs Colorado, Credit Rating Of 789

  • Experian: 801 – This client had an excellent Experian score
  • Transunion: 774 – Kenna had an excellent credit rating with Transunion.
  • Equifax: Kenna’s Experian score was 789, which is an excellent credit rating using the Experian system.

6 Months Ago, Kenna Attempted Finding a High Risk Loan for $48,000.00, and it was Easy

There is an existing struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Kenna. Kenna decided not to get a high risk loan this time. High Risk loans are given to very low credit individuals. Clients with credit scores as low as 390 can apply for a high risk loan and possibly can be approved.

Kenna was not approved by The First National Bank of Canon City, Colorado 4 times prior to being granted funding by Citizens Bank of Pagosa Springs at 703 San Juan Street

On August 21, 2013, Kenna inquired about borrowing $41,000 from Central Bank, National Association with Caprice, their friend from just outside Pagosa Springs, and even with the co-signer, Kenna was rejected for this mortgage. With excellent credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Previous requests on Kenna’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$25430.00 11 9.8% $315.51 Affiliated National Bank – Delta June 4, 2011
$25450.00 8 5.5% $328.29 Central Bank, National Association July 5, 2014
$25170.00 3 9.5% $806.27 The Colorado Bank and Trust Company of La Junta December 9, 2014
$24850.00 11 10.4% $316.77 Colorado State Bank and Trust, N. A. February 7, 2015

Before applying for this mortgage, Kenna had an Experian score of 801, which is excellent, so Citizens Bank of Pagosa Springs likely cannot provide Kenna a mortgage

Experian Score: 801

Kenna’s Transunion score was altered by the mortgage loan, changing to 774 from 789, which is typical in our experience.

Transunion Score: 774

Signature Loan easily acquired in Pagosa Springs, Colorado for $140000 with excellent credit by Kenna

Most prospective borrowers struggle with finding signature loans in Pagosa Springs, Colorado, and Kenna is not an exception. Kenna went to 7 lenders or more prior to settling on Citizens Bank of Pagosa Springs, who offered Kenna a signature loan for $140000. Typical signature loans simply require a client, like Kenna’s signature to get them, up to $41,000 in some cases. Kenna was able to get $140000 as a mortgage, which is very high for a mortgage. Because signature loans do not need collateral, these loans tend to require improved credit, as high as 750

Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans vary from $29,000.00 to $45,000.00. They are typically used to pay off existing high interest loans like credit cards. Kenna required a debt consolidation loan to pay for their existing mortgage and their credit card. Kenna was able to find a mortgage in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.6%.

Personal Loan for a book editor named Kenna in Pagosa Springs, Colorado to Pay Off Experimental Aircraft Association Credit Card

Kenna had a lot of credit card debt on their US Bank FlexPerks Business Edge Travel Rewards Card and their Maverik Adventure Club MasterCard, and they were starting to get in over their heads. Despite Kenna’s job as a book editor, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Fast Loans for Kenna in Pagosa Springs, Colorado to prevent bankruptcy or harm from debt collectors.

Fast loans in Pagosa Springs, Colorado aren’t actually that difficult to obtain, particularly if you have some gumption like Kenna. Kenna was able to find a fast loan for $140000 from Farmers State Bank of Calhan and The First National Bank of Durango, but turned down both offers in favor of their mortgage from Citizens Bank of Pagosa Springs. The difference with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. Much better in the case that you are in a time sensitive situation.

When Kenna was 21, they tried to obtain a student loan from 4 alternate banks, which damaged their credit rating. Below is a chronology of Kenna’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on May 13, 2013
  • Attempt 2) Loan for $35,000.00 on December 23, 2008
  • Attempt 3) Loan for $30,000.00 on June 23, 2010
  • Attempt 4) Loan for $35,000.00 on April 1, 2011

Contact Details for Citizens Bank of Pagosa Springs, the provider of this mortgage

  • Citizens Bank of Pagosa Springs
  • City: Pagosa Springs
  • State: Colorado
  • Address: 703 San Juan Street
  • County: Archuleta
  • Zip code: 81147

Kenna has a disappointing current yearly income, but has several of prospects

Kenna has always wanted to be an exhibit designer, but would need attend Wilkes University again to become one. Kenna has other prospects as well, including education and training administrator, platemakers, and biomedical engineer, which pay $55,000 through to $90,000 per year, on average. For this reason, we think that Kenna can afford this mortgage of $140000.

Installment loan for Kenna, a graduate of Wilkes University and a book editor working for over $61,000 per year

Kenna, an alumnus at Wilkes University and a book editor in Pagosa Springs, Colorado wants a mortgage to purchase a new cell phone. Kenna has instead chosen to get an installment loan for $15,000 and is currently seeking lenders like Norwest Bank Colorado Springs, National Association to provide it.

Several other requests for credit have been made by Kenna in the past, including one from Security Bank, National Association in Pagosa Springs, Colorado before Kenna was accepted for the $140000 by Citizens Bank of Pagosa Springs

Kenna made 7 previous attempts to obtain a mortgage, 2 of which were with Security Bank, National Association, a bank in Pagosa Springs, Colorado known to specialize in mortgages specifically. Before finding Citizens Bank of Pagosa Springs, Kenna was concerned due to their inexperience and excellent credit score.

Client Profile: Kenna Evenson of Pagosa Springs, Colorado
  • Full name (Changed if requested): Kenna Evenson
  • Current Credit: loans.hit.utils.Fico@16f65612
  • Current City: Pagosa Springs
  • State: Colorado
  • Zip code: 81154
  • Yearly income: $56,000
  • Current Job: book editor
  • Current County: Archuleta
  • Goal Yearly Income: $145,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Paraphrased and Standardized Quote from Kenna for this mortgage of $140000, provided by Citizens Bank of Pagosa Springs

Hello, I am Kenna and I’m from Pagosa Springs in Colorado. Archuleta, county is where I grew up, and now I need a mortgage in Colorado for $140000 to pay bills. It has been difficult, but Citizens Bank of Pagosa Springs really came through for me with this loan for 7.8% interest APR and a term of 18 years. I can probably repay the loan over the 18 year term, including interest. A big thanks to Citizens Bank of Pagosa Springs for giving me a chance and my excellent credit. It look me 6 years to create my credit to 789, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.

Kenna’s Overall FICO score at the time of acceptance for a mortgage, taking into account their book editor job and their future career as an exhibit designer

Fico Score: 789

Conclusion of Kenna’s mortgage

In the end, Kenna was able to find a mortgage for $140000 with an interest rate of 6.1% interest APR from Citizens Bank of Pagosa Springs in Pagosa Springs, Colorado repayable over 18 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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