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Cathi Needed A Home Loan For $45000, Atlanta, Georgia

$45000 Home Loan – Atlanta Georgia, Credit Rating Of 558

  • Experian: 572 – This individual had a fair Experian rating
  • Transunion: 545 – Cathi had a fair credit score with Transunion.
  • Equifax: Cathi’s Experian score was 558, which is a fair credit score using the Experian system.

Cathi was declined by Coffee County Bank 5 times before being accepted by Barnett Bank of Atlanta at 3350 Cumberland Circle, N.W.

On August 9, 2010, Cathi applied about borrowing $3,000 from The Peoples Bank of Talbotton with Clarine, their in law from just outside Atlanta, and even with the co-signer, Cathi was rejected for this home loan. With fair credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Cathi’s Overall FICO score at the time of acceptance for a home loan, taking into account their platemakers job and their future career as an educational psychologist

Fico Score: 558

8 Months Ago, Cathi Attempted to Find a High Risk Loan for $22,000.00, and it was Hard

It is an ongoing struggle for clients to get 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 Cathi. Cathi decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit applicants. Borrowers with credit scores as low as 434 can inquire for a high risk loan and possibly can be approved.

Personal Loan for a platemakers named Cathi in Atlanta, Georgia to Pay Off Evans Bank Visa Signature Card with Maximum Rewards

Cathi had a tonne of credit card debt on their Green Dot Prepaid MasterCard / Visa and their First Tennessee Platinum Premier Visa, and they were starting to get in over their heads. Despite Cathi’s job as a platemakers, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this home loan, Cathi had an Experian score of 572, which is fair, so Barnett Bank of Atlanta probably can provide Cathi a home loan

Experian Score: 572

Many previous requests for credit have been made by Cathi in the past, including one from South Central Bank of Daviess County, Inc. in Atlanta, Georgia before Cathi was accepted for the $45000 by Barnett Bank of Atlanta

Cathi made 5 previous attempts to obtain a home loan, 2 of which were with South Central Bank of Daviess County, Inc., a lender in Atlanta, Georgia known to specialize in home loans specifically. Before finding Barnett Bank of Atlanta, Cathi was desperate due to their inexperience and fair credit rating.

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans range from $39,000.00 to $51,000.00. They are normally used to pay off existing high interest loans like credit cards. Cathi needed a debt consolidation loan to pay for their existing home loan and their loan shark loan. Cathi was able to find a home loan in the end. Debt consolidation, or simply consolidation, is a technique 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 4.0%.

Previous requests on Cathi’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$126790.00 4 9.2% $3167.23 NationsBank of Florida, National Association April 27, 2014
$127100.00 8 8.3% $1816.21 Century Bank and Trust January 8, 2015
$126610.00 9 8.8% $1701.28 Bank of Madison June 29, 2015
$126810.00 4 5.3% $2937.61 Bank of Hazlehurst September 12, 2015
$127330.00 11 9.2% $1537.07 The Citizens and Southern Bank of Dublin September 27, 2015

Contact Details for Barnett Bank of Atlanta, the provider of this home loan

  • Barnett Bank of Atlanta
  • City: Atlanta
  • State: Georgia
  • Address: 3350 Cumberland Circle, N.W.
  • County: Cobb
  • Zip code: 30060

Installment loan for Cathi, a graduate of Neumann University and a platemakers working for over $75,000 per year

Cathi, an alumnus at Neumann University and a platemakers in Atlanta, Georgia needs a home loan to purchase a car. Cathi has instead decided to get an installment loan for $10,000 and is currently seeking lenders like Citizens Bank to process their request.

Paraphrased and Standardized Quote from Cathi for this home loan of $45000, provided by Barnett Bank of Atlanta

Hi, I am Cathi and my hometown is Atlanta in Georgia. Cobb, county is where I grew up, and now I need a home loan in Georgia for $45000 to pay bills. It wasn’t easy, but Barnett Bank of Atlanta really came through for me with this loan for 5.2% interest APR and a term of 15 years. I can probably repay the loan over the 15 year term, including interest. A big thanks to Barnett Bank of Atlanta for giving me a chance and my fair credit. It look me 9 years to build my credit to 558, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Cathi’s Transunion score was changed by the home loan loan, changing to 545 from 558, which is normal in our experience.

Transunion Score: 545

Fast Loans for Cathi in Atlanta, Georgia to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Atlanta, Georgia aren’t actually that difficult to obtain, especially if you have some gumption like Cathi. Cathi was able to find a fast loan for $45000 from Coffee County Bank and The Rockmart Bank, but turned down both offers in favor of their home loan from Barnett Bank of Atlanta. 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 7 weeks for installment loans. A big difference if a borrower is in a pinch.

Cathi has a very low current gross income, but has a large amount of prospects

Cathi has always wanted to be an educational psychologist, but would need attend Neumann University again to become one. Cathi has other possibilities as well, including medical equipment preparer, materials inspector, and broker’s floor representative, which pay $51,000 through to $102,000 per year, at least. For this reason, we believe that Cathi can pay for this home loan of $45000.

When Cathi was 22, they attempted to obtain a student loan from 7 alternate banks, which harmed their credit score. Below is a list of Cathi’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $24,000.00 on March 13, 2009
  • Attempt 2) Loan for $37,000.00 on November 27, 2010
  • Attempt 3) Loan for $23,000.00 on June 15, 2010
  • Attempt 4) Loan for $22,000.00 on January 10, 2014
  • Attempt 5) Loan for $22,000.00 on November 10, 2011
  • Attempt 6) Loan for $27,000.00 on June 24, 2009
  • Attempt 7) Loan for $32,000.00 on September 22, 2010
Client Profile: Cathi Dain of Atlanta, Georgia
  • Full name (Changed if requested): Cathi Dain
  • Current Credit: loans.hit.utils.Fico@31221be2
  • Current City: Atlanta
  • State: Georgia
  • Zip code: 30065
  • Yearly income: $47,000
  • Current Job: platemakers
  • Current County: Cobb
  • Goal Yearly Income: $87,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Signature Loan acquired in Atlanta, Georgia for $45000 with fair credit by Cathi

Most borrowers struggle with finding signature loans in Atlanta, Georgia, and Cathi is not an exception. Cathi went to 4 lending institutions or more before settling on Barnett Bank of Atlanta, who offered Cathi a signature loan for $45000. Most signature loans simply need a client, like Cathi’s signature to get them, up to $28,000 in some cases. Cathi was able to get $45000 as a home loan, which is very high for a home loan. Since signature loans don’t need a cosigner, these loans generally require higher credit, as high as 761

Conclusion of Cathi’s home loan

In the end, Cathi was able to find a home loan for $45000 with an interest rate of 8.6% interest APR from Barnett Bank of Atlanta in Atlanta, Georgia repayable over 15 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.