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$168000 Home Loan In Fairview Oklahoma With Credit Score 468 For Rodrick

$168000 Home Loan – Fairview Oklahoma, Credit Score Of 468

  • Experian: 482 – This client had a bad Experian rating
  • Transunion: 451 – Rodrick had a bad credit rating with Transunion.
  • Equifax: Rodrick’s Experian score was 468, which is a bad credit score on the Experian rating scheme.

Contact Details for Fairview Savings and Loan Association, the provider of this home loan

  • Fairview Savings and Loan Association
  • City: Fairview
  • State: Oklahoma
  • Address: 301 North Main
  • County: Major
  • Zip code: 73737
Client Profile: Rodrick Haman of Fairview, Oklahoma
  • Full name (Changed if requested): Rodrick Haman
  • Current Credit: loans.hit.utils.Fico@4ca8195f
  • Current City: Fairview
  • State: Oklahoma
  • Zip code: 73739
  • Yearly income: $44,000
  • Current Job: sales representative
  • Current County: Major
  • Goal Yearly Income: $93,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Signature Loan easily acquired in Fairview, Oklahoma for $168000 with bad credit by Rodrick

Many clients have difficulty with obtaining signature loans in Fairview, Oklahoma, and Rodrick is the same. Rodrick went to 6 lending institutions or more before settling on Fairview Savings and Loan Association, who offered Rodrick a signature loan for $168000. Typical signature loans simply require a client, like Rodrick’s signature to get them, up to $23,000 in some cases. Rodrick was able to get $168000 as a home loan, which is very high for a home loan. Since signature loans don’t require collateral, these loans generally require better credit, as high as 716

Rodrick’s Overall FICO score at the time of acceptance for a home loan, taking into account their sales representative job and their future job as a construction driller

Fico Score: 468

Fast Loans for Rodrick in Fairview, Oklahoma to prevent bankruptcy or harm from debt collectors.

Fast loans in Fairview, Oklahoma aren’t actually that difficult to obtain, particularly if you have some finesse like Rodrick. Rodrick was able to find a fast loan for $168000 from The Farmers State Bank and The Bank of Crescent, but declined both offers in favor of their home loan from Fairview Savings and Loan Association. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. An improvement if a borrower is in a time sensitive situation.

Paraphrased and Standardized Quote from Rodrick for this home loan of $168000, provided by Fairview Savings and Loan Association

Hello, I am Rodrick and I’m from Fairview in Oklahoma. Major, county is where I grew up, and now I need a home loan in Oklahoma for $168000 to buy a car. It wasn’t easy, but Fairview Savings and Loan Association really came through for me with this loan for 9.5% interest APR and a term of 1 years. I can repay the loan over the 1 year term, including interest. A big thanks to Fairview Savings and Loan Association for trusting me and my bad credit. It look me 4 years to build my credit to 468, and I won’t harm it any more. I am pleased with Find Texas Loans for assisting me this far.

Before applying for this home loan, Rodrick had an Experian score of 482, which is bad, so Fairview Savings and Loan Association most likely cannot provide Rodrick a home loan

Experian Score: 482

Rodrick’s Transunion score was altered by the home loan loan, changing to 451 from 468, which is normal in our experience.

Transunion Score: 451

When Rodrick was 22, they tried to obtain a student loan from 6 alternate banks, which damaged their credit rating. Below is a list of Rodrick’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on December 15, 2008
  • Attempt 2) Loan for $36,000.00 on January 11, 2012
  • Attempt 3) Loan for $35,000.00 on July 26, 2011
  • Attempt 4) Loan for $39,000.00 on April 26, 2010
  • Attempt 5) Loan for $32,000.00 on December 2, 2011
  • Attempt 6) Loan for $25,000.00 on November 30, 2011

9 Months in the Past, Rodrick Tried to Find a High Risk Loan for $22,000.00, but They Didn’t Find What They were Expecting

There is an existing struggle for clients to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Rodrick. Rodrick chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Clients with credit scores as low as 368 can apply for a high risk loan and possibly can be approved.

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

Normal debt consolidation loans range from $23,000.00 to $46,000.00. They are normally used to pay off existing high interest loans like credit cards. Rodrick needed a debt consolidation loan to pay for their existing home loan and their credit card. Rodrick was able to find a home loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.6%.

Installment loan for Rodrick, a graduate of Pensacola Christian College and a sales representative working for over $66,000 per year

Rodrick, an alumnus at Pensacola Christian College and a sales representative in Fairview, Oklahoma wants a home loan to purchase something frivolous. Rodrick has instead decided to obtain an installment loan for $8,000 and is at present seeking lenders like The First State Bank, Willow, Okla. to process their request.

Several previous requests for credit have been made by Rodrick in the past, including one from Brentwood Savings, A Federal Savings and Loan Association in Fairview, Oklahoma before Rodrick was accepted for the $168000 by Fairview Savings and Loan Association

Rodrick made 7 previous attempts to obtain a home loan, 2 of which were with Brentwood Savings, A Federal Savings and Loan Association, a lender in Fairview, Oklahoma known to specialize in home loans specifically. Prior to finding Fairview Savings and Loan Association, Rodrick was very concerned due to their inexperience and bad credit rating.

Rodrick was not approved by The Stock Exchange Bank 6 times prior to being approved by Fairview Savings and Loan Association at 301 North Main

On November 12, 2008, Rodrick inquired about borrowing $41,000 from The Bank of Crescent with Bibi, their friend from just outside Fairview, and even with the co-signer, Rodrick was rejected for this home loan. With bad credit, it can be difficult to procure funding, even with collateral and a co-signer.

Previous requests on Rodrick’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$27690.00 8 5.3% $354.52 The First State Bank June 17, 2010
$28170.00 9 7.5% $359.48 Security Bank and Trust Company September 10, 2010
$28370.00 6 9.5% $518.45 The First State Bank, Willow, Okla. May 5, 2011
$28370.00 8 5.6% $367.32 Sooner State Bank June 19, 2013

Personal Loan for a sales representative named Rodrick in Fairview, Oklahoma to Pay Off Lanpass Visa Secured Card

Rodrick had a tonne of credit card debt on their AeroMexico Visa Card and their Pearle Vision Credit Card, and they were starting to get in over their heads. Despite Rodrick’s job as a sales representative, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

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

Rodrick has always wanted to be a construction driller, but would need attend Pensacola Christian College again to become one. Rodrick has other possibilities as well, including cement mason, fashion artist, and painter, which pay $51,000 through to $102,000 per year, on average. Because of this, we believe that Rodrick can pay for this home loan of $168000.

Conclusion of Rodrick’s home loan

In the end, Rodrick was able to find a home loan for $168000 with an interest rate of 5.3% interest APR from Fairview Savings and Loan Association in Fairview, Oklahoma repayable over 1 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.