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$14000 Home Loan With Excellent Credit In Ursa Illinois

$14000 Home Loan – Ursa Illinois, Credit Score Of 757

  • Experian: 775 – They had an excellent Experian rating
  • Transunion: 741 – Enda had an excellent credit score with Transunion.
  • Equifax: Enda’s Experian score was 757, which is an excellent credit score on the Experian scale.

When Enda was 21, they tried to obtain a student loan from 4 alternate banks, which harmed their credit score. Below is a list of Enda’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on October 19, 2009
  • Attempt 2) Loan for $31,000.00 on November 25, 2011
  • Attempt 3) Loan for $30,000.00 on April 30, 2012
  • Attempt 4) Loan for $29,000.00 on February 3, 2011

Enda was declined by LaSalle Bank NI 7 times prior to being granted funding by North Adams State Bank at 114 North Warsaw Street

On August 31, 2010, Enda inquired about borrowing $1,000 from First Chicago Bank of Oak Park with Tory, their friend from just outside Ursa, and even with the co-signer, Enda was rejected for this home loan. With excellent credit, it can be difficult to procure funding, even with collateral and a co-signer.

Many past requests for credit have been made by Enda in the past, including one from Lorena State Bank in Ursa, Illinois before Enda was approved for the $14000 by North Adams State Bank

Enda made 4 prior attempts to obtain a home loan, 2 of which were with Lorena State Bank, a lending institution in Ursa, Illinois known to specialize in home loans specifically. Before finding North Adams State Bank, Enda was concerned due to their inexperience and excellent credit score.

Signature Loan found in Ursa, Illinois for $14000 with excellent credit by Enda

A lot of borrowers have difficulty with obtaining signature loans in Ursa, Illinois, and Enda is the same. Enda went to 8 lending institutions or more prior to finding North Adams State Bank, who offered Enda a signature loan for $14000. Typical signature loans simply need a client, like Enda’s signature to get them, up to $48,000 in some cases. Enda was able to get $14000 as a home loan, which is very high for a home loan. Since signature loans do not require a cosigner, they tend to require improved credit, as high as 702

Fast Loans for Enda in Ursa, Illinois to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Ursa, Illinois aren’t actually that difficult to obtain, especially if you have some finesse like Enda. Enda was able to find a fast loan for $14000 from The State Bank of Geneva and Merchandise National Bank of Chicago, but declined both offers in favor of their home loan from North Adams State Bank. 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 personal loans. Much better if a borrower is in a pinch.

Enda has a disappointing current gross income, but has a large amount of prospects

Enda has always wanted to be a photographic equipment mechanic, but would have to attend Madigan Army Medical Center again to become one. Enda has other prospects as well, including veterinarian technician, math professor, and casino slot machine mechanic, which pay $53,000 through to $102,000 per year, on average. Because of this, we think that Enda can afford this home loan of $14000.

Before applying for this home loan, Enda had an Experian score of 775, which is excellent, so North Adams State Bank probably cannot provide Enda a home loan

Experian Score: 775

Client Profile: Enda Kneifl of Ursa, Illinois
  • Full name (Changed if requested): Enda Kneifl
  • Current Credit: loans.hit.utils.Fico@6e5e91e4
  • Current City: Ursa
  • State: Illinois
  • Zip code: 62381
  • Yearly income: $52,000
  • Current Job: door to door salesmen
  • Current County: Adams
  • Goal Yearly Income: $94,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Installment loan for Enda, a graduate of Madigan Army Medical Center and a door to door salesmen working for over $62,000 per year

Enda, an alumnus at Madigan Army Medical Center and a door to door salesmen in Ursa, Illinois wants a home loan to purchase a house. Enda has instead decided to obtain an installment loan for $18,000 and is currently seeking lenders like State Bank of Niantic to process their request.

7 Months Ago, Enda Attempted to Find a High Risk Loan for $46,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Enda. Enda decided not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Individuals with credit scores as low as 490 can inquire for a high risk loan and possibly can be approved.

Paraphrased and Standardized Quote from Enda for this home loan of $14000, provided by North Adams State Bank

Hello, I am Enda and I am from Ursa in Illinois. Adams, county is where I grew up, and now I need a home loan in Illinois for $14000 to buy a big ticket item. It wasn’t easy, but North Adams State Bank really came through for me with this loan for 6.8% interest APR and a term of 13 years. I can probably repay the loan over the 13 year term, including interest. A big thanks to North Adams State Bank for giving me a chance and my excellent credit. It look me 6 years to create my credit to 757, and I won’t tarnish it any future. I am happy with Find Texas Loans for helping me this far.

Enda’s Transunion score was altered by the home loan loan, changing to 741 from 757, which is typical in our experience.

Transunion Score: 741

Contact Details for North Adams State Bank, the provider of this home loan

  • North Adams State Bank
  • City: Ursa
  • State: Illinois
  • Address: 114 North Warsaw Street
  • County: Adams
  • Zip code: 62376

Personal Loan for a door to door salesmen named Enda in Ursa, Illinois to Pay Off CFCU Credit Union Visa Chadwicks Fashion Points Visa Card

Enda had a lot of credit card debt on their Merrill Lynch Merrill+ Visa and their Fifth Third Bank Platinum MasterCard, and they were starting to get in over their heads. Despite Enda’s job as a door to door salesmen, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans vary from $26,000.00 to $48,000.00. They are normally used to pay off existing high interest loans like credit cards. Enda needed a debt consolidation loan to pay for their existing home loan and their payday loan. Enda was able to find a home loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your less desirable, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.0%.

Enda’s Overall FICO score at the time of acceptance for a home loan, taking into account their door to door salesmen job and their future job as a photographic equipment mechanic

Fico Score: 757

Previous requests on Enda’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$32170.00 10 7.6% $383.54 The Gerber State Bank September 2, 2011
$31840.00 11 10.7% $411.35 The Belvidere National Bank and Trust Company January 17, 2013
$32180.00 5 7.8% $649.42 Commerce Bank February 9, 2013
$32190.00 10 5.4% $347.75 Byron Bank June 30, 2013

Conclusion of Enda’s home loan

In the end, Enda was able to find a home loan for $14000 with an interest rate of 6.6% interest APR from North Adams State Bank in Ursa, Illinois repayable over 13 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.