$6000 Mortgage – Greensboro North Carolina, Credit Score Of 811
- Experian: 825 – The client had an excellent Experian rating
- Transunion: 797 – Zandra had an excellent credit rating with Transunion.
- Equifax: Zandra’s Experian score was 811, which is an excellent credit rating on the Experian system.
Personal Loan for an executive secretary named Zandra in Greensboro, North Carolina to Pay Off Ohio Savings Bank Maximum Rewards Visa Card
Zandra had a tonne of credit card debt on their Synovus Purchase Perks Visa Platinum Credit Card and their Associated Bank Visa Business Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Zandra’s job as an executive secretary, they struggled to make payments on the $27,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans range from $36,000.00 to $42,000.00. They are typically used to pay off existing high interest loans like credit cards. Zandra required a debt consolidation loan to pay for their existing mortgage and their credit card. Zandra 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 bad, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.5%.
Zandra’s Overall FICO score at the time of acceptance for a mortgage, taking into account their executive secretary job and their future job as an environmental compliance inspector
Zandra was not approved by United Carolina Bank 4 times prior to being approved by U.S. Trust Company of North Carolina at 301 North Elm Street, Suite 900
On February 8, 2012, Zandra inquired about borrowing $10,000 from First Charter Bank with Dian, their friend from just outside Greensboro, and even with the co-signer, Zandra was rejected for this mortgage. With excellent credit, it can be challenging to obtain funding, even with collateral and a co-signer.
Contact Details for U.S. Trust Company of North Carolina, the provider of this mortgage
- U.S. Trust Company of North Carolina
- City: Greensboro
- State: North Carolina
- Address: 301 North Elm Street, Suite 900
- County: Guilford
- Zip code: 27402
Fast Loans for Zandra in Greensboro, North Carolina to prevent bankruptcy or harm from debt collectors.
Fast loans in Greensboro, North Carolina aren’t actually that difficult to obtain, especially if you have some gumption like Zandra. Zandra was able to find a fast loan for $6000 from The Bank of Currituck and The Bank of Currituck, but declined both offers in favor of their mortgage from U.S. Trust Company of North Carolina. The difference with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. An improvement if a borrower is on the go.
Installment loan for Zandra, a graduate of Miami Children’s Hospital and an executive secretary working for over $68,000 per year
Zandra, an alumnus at Miami Children’s Hospital and an executive secretary in Greensboro, North Carolina wants a mortgage to purchase a new cell phone. Zandra has instead chosen to obtain an installment loan for $16,000 and is at present seeking lenders like North Mecklenburg Bank to provide it.
6 Months Ago, Zandra Tried Finding a High Risk Loan for $28,000.00, and it was Hard
It is an existing struggle for clients to get high risk loans in a safe way. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Zandra. Zandra chose not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Clients with credit ratings as low as 391 can apply for a high risk loan and may be be approved.
When Zandra was 19, they tried to obtain a student loan from 5 different banks, which harmed their credit rating. Below is a chronology of Zandra’s previous attempts at finding a student loan:
- Attempt 1) Loan for $20,000.00 on April 28, 2010
- Attempt 2) Loan for $24,000.00 on March 31, 2013
- Attempt 3) Loan for $25,000.00 on June 4, 2010
- Attempt 4) Loan for $30,000.00 on May 21, 2013
- Attempt 5) Loan for $28,000.00 on February 12, 2014
Many other requests for credit have been made by Zandra in the past, including one from Bank of Hawaii in Greensboro, North Carolina before Zandra was accepted for the $6000 by U.S. Trust Company of North Carolina
Zandra made 5 prior attempts to obtain a mortgage, 2 of which were with Bank of Hawaii, a lending institution in Greensboro, North Carolina known to specialize in mortgages specifically. Prior to finding U.S. Trust Company of North Carolina, Zandra was desperate due to their inexperience and excellent credit rating.
Previous requests on Zandra’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$72450.00||6||6.5%||$1217.88||The Farmers Bank of Seaboard||April 15, 2010|
|$72340.00||9||8.5%||$960.63||The Bank of Raeford||October 12, 2011|
|$72210.00||3||10.8%||$2357.23||The Bank of Coleridge||February 24, 2014|
|$72490.00||4||5.5%||$1685.86||Farmers Bank of Sunbury||October 19, 2014|
|$71680.00||4||6.6%||$1703.2||Bank of Pittsboro||June 21, 2015|
Signature Loan found in Greensboro, North Carolina for $6000 with excellent credit by Zandra
Most clients struggle with obtaining signature loans in Greensboro, North Carolina, and Zandra is no exception. Zandra went to 5 lenders or more prior to finding U.S. Trust Company of North Carolina, who offered Zandra a signature loan for $6000. Typical signature loans simply need a client, like Zandra’s signature to obtain them, up to $28,000 in some cases. Zandra was able to get $6000 as a mortgage, which is very high for a mortgage. Since signature loans do not require collateral, these loans tend to require better credit, as high as 748
Paraphrased and Standardized Quote from Zandra for this mortgage of $6000, provided by U.S. Trust Company of North Carolina
Hello, I am Zandra and my hometown is Greensboro in North Carolina. Guilford, county is where I grew up, and now I need a mortgage in North Carolina for $6000 to buy a big ticket item. It wasn’t easy, but U.S. Trust Company of North Carolina really came through for me with this loan for 5.4% interest APR and a term of 6 years. I can probably repay the loan over the 6 year term, including interest. A big thanks to U.S. Trust Company of North Carolina for trusting me and my excellent credit. It look me 7 years to build my credit to 811, and I won’t harm it any future. I’m pleased with Find Texas Loans for helping me this far.
Zandra has a low current yearly income, but has a high number of prospects
Zandra has always wanted to be an environmental compliance inspector, but would need attend Miami Children’s Hospital again to become one. Zandra has other prospects as well, including electric meter installer, electric motor mechanic, and executive secretary, which pay $56,000 through to $104,000 per year, on average. Because of this, we think that Zandra can pay for this mortgage of $6000.
Zandra’s Transunion score was changed by the mortgage loan, changing to 797 from 811, which is normal in our experience.
- Full name (Changed if requested): Zandra Pansullo
- Current Credit: loans.hit.utils.Fico@5fa7e7ff
- Current City: Greensboro
- State: North Carolina
- Zip code: 27403
- Yearly income: $69,000
- Current Job: executive secretary
- Current County: Guilford
- Goal Yearly Income: $109,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Before applying for this mortgage, Zandra had an Experian score of 825, which is excellent, so U.S. Trust Company of North Carolina most likely cannot provide Zandra a mortgage
Conclusion of Zandra’s mortgage
In the end, Zandra was able to find a mortgage for $6000 with an interest rate of 10.8% interest APR from U.S. Trust Company of North Carolina in Greensboro, North Carolina repayable over 6 years from now.