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24 Month, Fixed Interest Mortgage For Zoe In West Virginia

$80000 Mortgage – Clarksburg West Virginia, Credit Score Of 849

  • Experian: 863 – They had an excellent Experian rating
  • Transunion: 837 – Zoe had an excellent credit rating with Transunion.
  • Equifax: Zoe’s Experian score was 849, which is an excellent credit score with the Experian scale.
Client Profile: Zoe Gravito of Clarksburg, West Virginia
  • Full name (Changed if requested): Zoe Gravito
  • Current Credit: loans.hit.utils.Fico@4edde6e5
  • Current City: Clarksburg
  • State: West Virginia
  • Zip code: 26307
  • Yearly income: $51,000
  • Current Job: human resources management consultant
  • Current County: Harrison
  • Goal Yearly Income: $128,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Before applying for this mortgage, Zoe had an Experian score of 863, which is excellent, so One Valley Bank of Clarksburg, National Association most likely cannot provide Zoe a mortgage

Experian Score: 863

Personal Loan for a human resources management consultant named Zoe in Clarksburg, West Virginia to Pay Off Miami Marlins BankAmericard Cash Rewards MasterCard

Zoe had a tonne of credit card debt on their Coppermark Bank Credit Cards and their DCU Visa Platinum Secured Credit Card, and they were starting to get in over their heads. Despite Zoe’s job as a human resources management consultant, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Zoe for this mortgage of $80000, provided by One Valley Bank of Clarksburg, National Association

Hello, I am Zoe and my hometown is Clarksburg in West Virginia. Harrison, county is where I grew up, and now I need a mortgage in West Virginia for $80000 to renovate my home. It wasn’t easy, but One Valley Bank of Clarksburg, National Association really came through for me with this loan for 11.8% interest APR and a term of 24 years. I can probably repay the loan over the 24 year term, including interest. A big thanks to One Valley Bank of Clarksburg, National Association for giving me a chance and my excellent credit. It look me 4 years to create my credit to 849, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

When Zoe was 23, they tried to obtain a student loan from 4 alternate banks, which harmed their credit rating. Below is a list of Zoe’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $21,000.00 on December 25, 2009
  • Attempt 2) Loan for $31,000.00 on May 31, 2012
  • Attempt 3) Loan for $38,000.00 on May 14, 2009
  • Attempt 4) Loan for $27,000.00 on April 11, 2009

Previous requests on Zoe’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$96240.00 11 11.1% $1265.59 Wesbanco Bank Sistersville March 10, 2012
$95660.00 8 8.4% $1371.84 Wesbanco Bank, Inc. March 24, 2013
$96360.00 6 10.6% $1814.44 Peoples State Bank, National Association July 29, 2014
$95580.00 11 5.1% $947.59 Kanawha Banking & Trust Company National Association April 20, 2015
$96390.00 4 5.7% $2250.49 One Valley Bank, National Association July 22, 2015

Fast Loans for Zoe in Clarksburg, West Virginia to prevent bankruptcy or harm from debt collectors.

Fast loans in Clarksburg, West Virginia aren’t actually that difficult to obtain, especially if you have some finesse like Zoe. Zoe was able to find a fast loan for $80000 from Summit Community Bank and The Bank of Romney, but declined both offers in favor of their mortgage from One Valley Bank of Clarksburg, National Association. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big improvement in the case that a client is in a time sensitive situation.

Signature Loan easily acquired in Clarksburg, West Virginia for $80000 with excellent credit by Zoe

Most borrowers have difficulty with finding signature loans in Clarksburg, West Virginia, and Zoe is no exception. Zoe went to 5 lenders or more before settling on One Valley Bank of Clarksburg, National Association, who offered Zoe a signature loan for $80000. Typical signature loans simply require a client, like Zoe’s signature to obtain them, up to $41,000 in some cases. Zoe was able to get $80000 as a mortgage, which is very high for a mortgage. Because signature loans don’t require a cosigner, they generally need higher credit, as high as 726

8 Months in the Past, Zoe Attempted to Find a High Risk Loan for $42,000.00, and it was Easy

It is an well known struggle for borrowers to get high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Zoe. Zoe decided not to obtain a high risk loan this time. High Risk loans are given to bad credit individuals. Borrowers with credit ratings as low as 334 can inquire for a high risk loan and have a chance to be accepted.

Many past requests for credit have been made by Zoe in the past, including one from First Alabama Bank of Gadsden, N. A. in Clarksburg, West Virginia before Zoe was approved for the $80000 by One Valley Bank of Clarksburg, National Association

Zoe made 6 previous attempts to obtain a mortgage, 2 of which were with First Alabama Bank of Gadsden, N. A., a lending institution in Clarksburg, West Virginia known to specialize in mortgages specifically. Before finding One Valley Bank of Clarksburg, National Association, Zoe was desperate due to their inexperience and excellent credit rating.

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

Most debt consolidation loans range from $23,000.00 to $57,000.00. They are normally used to pay off existing high interest loans like credit cards. Zoe required a debt consolidation loan to pay for their existing mortgage and their credit card. Zoe was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which changes your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 4.4%.

Installment loan for Zoe, a graduate of Blessed John XXIII National Seminary and a human resources management consultant working for over $77,000 per year

Zoe, an alumnus at Blessed John XXIII National Seminary and a human resources management consultant in Clarksburg, West Virginia wants a mortgage to purchase a car. Zoe has instead decided to obtain an installment loan for $5,000 and is currently seeking lenders like Bank of Mount Hope to provide it.

Zoe’s Overall FICO score at the time of acceptance for a mortgage, taking into account their human resources management consultant job and their future career as a sales representative

Fico Score: 849

Zoe’s Transunion score was altered by the mortgage loan, changing to 837 from 849, which is normal in our experience.

Transunion Score: 837

Contact Details for One Valley Bank of Clarksburg, National Association, the provider of this mortgage

  • One Valley Bank of Clarksburg, National Association
  • City: Clarksburg
  • State: West Virginia
  • Address: Fourth And Main Streets
  • County: Harrison
  • Zip code: 26301

Zoe was not approved by The Lowndes Bank 6 times before being granted funding by One Valley Bank of Clarksburg, National Association at Fourth And Main Streets

On March 13, 2013, Zoe inquired about borrowing $2,000 from The Pleasants County Bank with Elli, their friend from just outside Clarksburg, and even with the co-signer, Zoe was rejected for this mortgage. With excellent credit, it can be difficult to procure financing, even with collateral and a co-signer.

Zoe has a disappointing current gross income, but has several of prospects

Zoe has always wanted to be a sales representative, but would have to attend Blessed John XXIII National Seminary again to achieve it. Zoe has other possibilities as well, including overhead door installer, patent agent, and advertising account executive, which pay $55,000 through to $96,000 per year, at least. Because of this, we think that Zoe can pay for this mortgage of $80000.

Conclusion of Zoe’s mortgage

In the end, Zoe was able to find a mortgage for $80000 with an interest rate of 7.0% interest APR from One Valley Bank of Clarksburg, National Association in Clarksburg, West Virginia repayable over 24 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.