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7 Month Mortgage For Anastasia In Hoxie Kansas

$117000 Mortgage – Hoxie Kansas, Credit Score Of 463

  • Experian: 478 – The client had a bad Experian score
  • Transunion: 448 – Anastasia had a bad credit score with Transunion.
  • Equifax: Anastasia’s Experian score was 463, which is a bad credit rating using the Experian system.

Anastasia’s Transunion score was changed by the mortgage loan, changing to 448 from 463, which is normal in our experience.

Transunion Score: 448

Paraphrased and Standardized Quote from Anastasia for this mortgage of $117000, provided by State Bank

Hello, I am Anastasia and I’m from Hoxie in Kansas. Sheridan, county is where I grew up, and now I need a mortgage in Kansas for $117000 to buy a car. It wasn’t easy, but State Bank really came through for me with this loan for 11.2% interest APR and a term of 19 years. I can probably repay the loan over the 19 year term, including interest. A big thanks to State Bank for giving me a chance and my bad credit. It look me 6 years to create my credit to 463, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.

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

Average debt consolidation loans range from $39,000.00 to $48,000.00. They are mainly used to pay off existing high interest loans like credit cards. Anastasia required a debt consolidation loan to pay for their existing mortgage and their payday loan. Anastasia was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which transfers your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.2%.

Anastasia’s Overall FICO score at the time of acceptance for a mortgage, taking into account their disabled students teacher job and their future job as a medical and scientific illustrator

Fico Score: 463

Before applying for this mortgage, Anastasia had an Experian score of 478, which is bad, so State Bank likely cannot provide Anastasia a mortgage

Experian Score: 478

Previous requests on Anastasia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$15240.00 8 7.7% $213.13 Citizens Bank and Trust Company April 22, 2012
$14770.00 6 7.4% $254.66 The Morrill and Janes Bank and Trust Company January 27, 2013
$15190.00 3 5.8% $460.73 The Citizens State Bank, Liberal, Kansas March 10, 2013
$15280.00 5 7.4% $305.45 Citizens State Bank November 9, 2013

Anastasia was not approved by The Fidelity State Bank 7 times prior to being accepted by State Bank at 745 Main Street

On August 9, 2012, Anastasia applied about borrowing $3,000 from The State Bank with Hsiu, their friend from just outside Hoxie, and even with the co-signer, Anastasia was rejected for this mortgage. With bad credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Client Profile: Anastasia Boak of Hoxie, Kansas
  • Full name (Changed if requested): Anastasia Boak
  • Current Credit: loans.hit.utils.Fico@79fc0f2f
  • Current City: Hoxie
  • State: Kansas
  • Zip code: 67742
  • Yearly income: $48,000
  • Current Job: disabled students teacher
  • Current County: Sheridan
  • Goal Yearly Income: $121,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Fast Loans for Anastasia in Hoxie, Kansas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Hoxie, Kansas aren’t actually that difficult to obtain, particularly if you have some finesse like Anastasia. Anastasia was able to find a fast loan for $117000 from Farmers and Merchants Bank and The Kansas State Bank Overbrook Kansas, but declined both offers in favor of their mortgage from State Bank. 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 5 weeks for debt consolidation loans. Much better if you are on the go.

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

Anastasia has always wanted to be a medical and scientific illustrator, but would need attend College of Saint Elizabeth again to achieve it. Anastasia has other prospects as well, including zoo veterinarian, human resources management consultant, and cost accountant, which pay $56,000 through to $101,000 per year, at least. Because of this, we believe that Anastasia can pay for this mortgage of $117000.

7 Months in the Past, Anastasia Tried to Find a High Risk Loan for $28,000.00, and it was Easy

There is an existing struggle for clients to get high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Anastasia. Anastasia chose not to obtain a high risk loan this time. High Risk loans are given to very low credit clients. Clients with credit ratings as low as 404 can apply for a high risk loan and have a chance to be approved.

Signature Loan found in Hoxie, Kansas for $117000 with bad credit by Anastasia

Most clients struggle with obtaining signature loans in Hoxie, Kansas, and Anastasia is the same. Anastasia went to 6 lending institutions or more prior to finding State Bank, who offered Anastasia a signature loan for $117000. Most signature loans simply require a client, like Anastasia’s signature to get them, up to $20,000 in some cases. Anastasia was able to get $117000 as a mortgage, which is very high for a mortgage. Since signature loans don’t need a cosigner, they generally require better credit, as high as 780

Several other requests for credit have been made by Anastasia in the past, including one from West Jersey Community Bank in Hoxie, Kansas before Anastasia was approved for the $117000 by State Bank

Anastasia made 6 previous tries to obtain a mortgage, 2 of which were with West Jersey Community Bank, a lending institution in Hoxie, Kansas known to specialize in mortgages specifically. Before finding State Bank, Anastasia was very concerned due to their inexperience and bad credit rating.

Installment loan for Anastasia, a graduate of College of Saint Elizabeth and a disabled students teacher working for over $70,000 per year

Anastasia, an alumnus at College of Saint Elizabeth and a disabled students teacher in Hoxie, Kansas wants a mortgage to purchase something frivolous. Anastasia has instead decided to obtain an installment loan for $26,000 and is currently seeking lenders like The Union State Bank to process their request.

When Anastasia was 18, they attempted to obtain a student loan from 5 alternate banks, which harmed their credit score. Below is a list of Anastasia’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $21,000.00 on March 24, 2009
  • Attempt 2) Loan for $39,000.00 on December 30, 2012
  • Attempt 3) Loan for $33,000.00 on January 30, 2014
  • Attempt 4) Loan for $26,000.00 on October 26, 2011
  • Attempt 5) Loan for $29,000.00 on August 11, 2013

Contact Details for State Bank, the provider of this mortgage

  • State Bank
  • City: Hoxie
  • State: Kansas
  • Address: 745 Main Street
  • County: Sheridan
  • Zip code: 67740

Personal Loan for a disabled students teacher named Anastasia in Hoxie, Kansas to Pay Off MetaBank Vision Silver Prepaid MasterCard

Anastasia had a tonne of credit card debt on their Bank of Louisiana Credit Cards and their Palais Royal Credit Card, and they were starting to get in over their heads. Despite Anastasia’s job as a disabled students teacher, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Conclusion of Anastasia’s mortgage

In the end, Anastasia was able to find a mortgage for $117000 with an interest rate of 5.7% interest APR from State Bank in Hoxie, Kansas repayable over 19 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.