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12 Month, Variable Interest Mortgage For Justine In Texas

$6000 Mortgage – San Angelo Texas, Credit Rating Of 311

  • Experian: 330 – This client had a terrible Experian rating
  • Transunion: 297 – Justine had a terrible credit score with Transunion.
  • Equifax: Justine’s Experian score was 311, which is a terrible credit rating with the Experian system.

When Justine was 20, they attempted to obtain a student loan from 4 alternate lenders, which harmed their credit rating. Below is a chronology of Justine’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on January 3, 2011
  • Attempt 2) Loan for $21,000.00 on May 29, 2011
  • Attempt 3) Loan for $20,000.00 on February 18, 2011
  • Attempt 4) Loan for $23,000.00 on March 24, 2010

Justine was declined by Farmers State Bank of Shiro, Texas 6 times before being approved by First Texas Savings Association of San Angelo at 105 W Beauregard

On April 3, 2012, Justine applied about borrowing $5,000 from First City Bank of Richardson with Juliette, their friend from just outside San Angelo, and even with the co-signer, Justine was rejected for this mortgage. With terrible credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Before applying for this mortgage, Justine had an Experian score of 330, which is terrible, so First Texas Savings Association of San Angelo most likely cannot provide Justine a mortgage

Experian Score: 330

Signature Loan found in San Angelo, Texas for $6000 with terrible credit by Justine

A lot of borrowers struggle with finding signature loans in San Angelo, Texas, and Justine is the same. Justine went to 6 lending institutions or more prior to settling on First Texas Savings Association of San Angelo, who offered Justine a signature loan for $6000. Most signature loans simply need a client, like Justine’s signature to obtain them, up to $23,000 in some cases. Justine was able to get $6000 as a mortgage, which is very high for a mortgage. Because signature loans do not need collateral, they tend to require better credit, as high as 797

Contact Details for First Texas Savings Association of San Angelo, the provider of this mortgage

  • First Texas Savings Association of San Angelo
  • City: San Angelo
  • State: Texas
  • Address: 105 W Beauregard
  • County: Tom Green
  • Zip code: 76901

8 Months Ago, Justine Tried Finding a High Risk Loan for $31,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Justine. Justine decided not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit applicants. Individuals with credit scores as low as 575 can apply for a high risk loan and may be be approved.

Justine’s Overall FICO score at the time of acceptance for a mortgage, taking into account their middle school guidance counselor job and their future job as a nuclear medicine technologist

Fico Score: 311

Previous requests on Justine’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$124800.00 9 11.2% $1839.13 Comerica Bank March 4, 2012
$124670.00 3 5.4% $3758.9 First Star Bank, S.S.B. August 17, 2013
$125200.00 6 7.8% $2182.96 Brownfield State Bank & Trust Co. April 7, 2014
$125420.00 6 10.2% $2336.18 First Bank & Trust, Bryan, Texas November 30, 2014

Several previous requests for credit have been made by Justine in the past, including one from Magnet Bank, F. S. B. in San Angelo, Texas before Justine was approved for the $6000 by First Texas Savings Association of San Angelo

Justine made 7 previous tries to obtain a mortgage, 2 of which were with Magnet Bank, F. S. B., a lender in San Angelo, Texas known to specialize in mortgages specifically. Before finding First Texas Savings Association of San Angelo, Justine was desperate due to their inexperience and terrible credit rating.

Client Profile: Justine Arredla of San Angelo, Texas
  • Full name (Changed if requested): Justine Arredla
  • Current Credit: loans.hit.utils.Fico@17ed40e0
  • Current City: San Angelo
  • State: Texas
  • Zip code: 76907
  • Yearly income: $50,000
  • Current Job: middle school guidance counselor
  • Current County: Tom Green
  • Goal Yearly Income: $104,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Paraphrased and Standardized Quote from Justine for this mortgage of $6000, provided by First Texas Savings Association of San Angelo

Hello, I am Justine and I’m from San Angelo in Texas. Tom Green, county is where I grew up, and now I need a mortgage in Texas for $6000 to buy a car. It wasn’t easy, but First Texas Savings Association of San Angelo really came through for me with this loan for 6.8% interest APR and a term of 12 years. I can repay the loan over the 12 year term, including interest. A big thanks to First Texas Savings Association of San Angelo for trusting me and my terrible credit. It look me 7 years to build my credit to 311, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.

Fast Loans for Justine in San Angelo, Texas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in San Angelo, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Justine. Justine was able to find a fast loan for $6000 from Farmers State Bank of Shiro, Texas and First RepublicBank Clifton, but declined both offers in favor of their mortgage from First Texas Savings Association of San Angelo. The improvement with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference in the case that a client is in a pinch.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans vary from $37,000.00 to $55,000.00. They are typically used to pay off existing high interest loans like credit cards. Justine needed a debt consolidation loan to pay for their existing mortgage and their loan shark loan. Justine was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your dirty, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.8%.

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

Justine has always wanted to be a nuclear medicine technologist, but would need attend Appalachian State University again to become one. Justine has other prospects as well, including ultrasound technologist, sport’s/entertainment agent, and employee training instructor, which pay $52,000 through to $108,000 per year, on average. Because of this, we think that Justine can afford this mortgage of $6000.

Personal Loan for a middle school guidance counselor named Justine in San Angelo, Texas to Pay Off Sleep Number Credit Card

Justine had a tonne of credit card debt on their First Niagara Standard Rewards Mastercard and their USAA Rate Advantage Platinum MasterCard, and they were starting to get in over their heads. Despite Justine’s job as a middle school guidance counselor, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Justine’s Transunion score was altered by the mortgage loan, changing to 297 from 311, which is typical in our experience.

Transunion Score: 297

Installment loan for Justine, a graduate of Appalachian State University and a middle school guidance counselor working for over $67,000 per year

Justine, an alumnus at Appalachian State University and a middle school guidance counselor in San Angelo, Texas wants a mortgage to purchase something frivolous. Justine has instead chosen to obtain an installment loan for $4,000 and is currently seeking lenders like First Bank & Trust of Clarendon to provide it.

Conclusion of Justine’s mortgage

In the end, Justine was able to find a mortgage for $6000 with an interest rate of 8.7% interest APR from First Texas Savings Association of San Angelo in San Angelo, Texas repayable over 12 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.