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$144000 Mortgage In Miami Florida With Credit Score 439 For Kayce

$144000 Mortgage – Miami Florida, Credit Score Of 439

  • Experian: 451 – They had a bad Experian score
  • Transunion: 420 – Kayce had a bad credit score with Transunion.
  • Equifax: Kayce’s Experian score was 439, which is a bad credit score on the Experian rating scheme.

6 Months in the Past, Kayce Attempted Finding a High Risk Loan for $29,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Kayce. Kayce decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Clients with credit ratings as low as 304 can inquire for a high risk loan and may be be approved.

Client Profile: Kayce Lidstone of Miami, Florida
  • Full name (Changed if requested): Kayce Lidstone
  • Current Credit: loans.hit.utils.Fico@2d8e6db6
  • Current City: Miami
  • State: Florida
  • Zip code: 33140
  • Yearly income: $37,000
  • Current Job: radio & tv news commentator
  • Current County: Miami-Dade
  • Goal Yearly Income: $142,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Before applying for this mortgage, Kayce had an Experian score of 451, which is bad, so Delta National Bank and Trust Company of Florida most likely cannot provide Kayce a mortgage

Experian Score: 451

Kayce was declined by Southeast Bank of Madison County, National Association 4 times before being accepted by Delta National Bank and Trust Company of Florida at 1221 Brickell Avenue, 5th Floor

On December 24, 2011, Kayce applied about borrowing $21,000 from Century Bank of Orange County with Miles, their friend from just outside Miami, and even with the co-signer, Kayce was rejected for this mortgage. With bad credit, it can be very hard to obtain financing, even with collateral and a co-signer.

When Kayce was 23, they tried to obtain a student loan from 6 alternate lenders, which harmed their credit score. Below is a list of Kayce’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on January 4, 2014
  • Attempt 2) Loan for $32,000.00 on March 2, 2013
  • Attempt 3) Loan for $20,000.00 on September 13, 2012
  • Attempt 4) Loan for $26,000.00 on April 8, 2013
  • Attempt 5) Loan for $29,000.00 on February 4, 2010
  • Attempt 6) Loan for $33,000.00 on August 24, 2012

Kayce has a disappointing current total income, but has a large amount of prospects

Kayce has always wanted to be a quality control inspector, but would need attend Crown College again to become one. Kayce has other prospects as well, including real estate assessor, crop workers supervisor, and preschool teacher, which pay $55,000 through to $98,000 per year, on average. Because of this, we think that Kayce can pay for this mortgage of $144000.

Personal Loan for a radio & tv news commentator named Kayce in Miami, Florida to Pay Off American Eagle Outfitters

Kayce had a lot of credit card debt on their Patelco Credit Union Credit Cards and their IKEA Credit Card, and they were starting to get in over their heads. Despite Kayce’s job as a radio & tv news commentator, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Kayce’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$141130.00 5 10.5% $3033.43 NCNB National Bank of Florida April 5, 2010
$141110.00 8 8.2% $2009.2 Southeast Bank of Madison County, National Association April 28, 2011
$140750.00 11 11.1% $1850.91 Southeast Bank of Wildwood May 23, 2011
$140610.00 10 7.7% $1683.78 Atlantic Bank of Jacksonville December 8, 2012

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

Normal debt consolidation loans range from $28,000.00 to $45,000.00. They are normally used to pay off existing high interest loans like credit cards. Kayce required a debt consolidation loan to pay for their existing mortgage and their credit card. Kayce was able to find a mortgage in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 3.8%.

Fast Loans for Kayce in Miami, Florida to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Miami, Florida aren’t actually that difficult to obtain, particularly if you have some gumption like Kayce. Kayce was able to find a fast loan for $144000 from Southeast Bank of Madison County, National Association and The Huntington National Bank of Lakeland, but declined both offers in favor of their mortgage from Delta National Bank and Trust Company of Florida. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. Much better if you are on the go.

Paraphrased and Standardized Quote from Kayce for this mortgage of $144000, provided by Delta National Bank and Trust Company of Florida

Hi, I am Kayce and I am from Miami in Florida. Miami-Dade, county is where I grew up, and now I need a mortgage in Florida for $144000 to buy a big ticket item. It has been difficult, but Delta National Bank and Trust Company of Florida really came through for me with this loan for 7.3% interest APR and a term of 18 years. I can repay the loan over the 18 year term, including interest. A big thanks to Delta National Bank and Trust Company of Florida for giving me a chance and my bad credit. It look me 6 years to create my credit to 439, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.

Installment loan for Kayce, a graduate of Crown College and a radio & tv news commentator working for over $69,000 per year

Kayce, an alumnus at Crown College and a radio & tv news commentator in Miami, Florida needs a mortgage to purchase a new cell phone. Kayce has instead chosen to obtain an installment loan for $26,000 and is at present seeking lenders like SunTrust Bank, Northwest, Florida to provide it.

Several past requests for credit have been made by Kayce in the past, including one from Cross Creek Federal Savings and Loan Association in Miami, Florida before Kayce was approved for the $144000 by Delta National Bank and Trust Company of Florida

Kayce made 5 prior attempts to obtain a mortgage, 2 of which were with Cross Creek Federal Savings and Loan Association, a lender in Miami, Florida known to specialize in mortgages specifically. Prior to finding Delta National Bank and Trust Company of Florida, Kayce was desperate due to their inexperience and bad credit score.

Contact Details for Delta National Bank and Trust Company of Florida, the provider of this mortgage

  • Delta National Bank and Trust Company of Florida
  • City: Miami
  • State: Florida
  • Address: 1221 Brickell Avenue, 5th Floor
  • County: Miami-Dade
  • Zip code: 33131

Kayce’s Overall FICO score at the time of acceptance for a mortgage, taking into account their radio & tv news commentator job and their future career as a quality control inspector

Fico Score: 439

Kayce’s Transunion score was changed by the mortgage loan, changing to 420 from 439, which is normal in our experience.

Transunion Score: 420

Signature Loan easily acquired in Miami, Florida for $144000 with bad credit by Kayce

A lot of borrowers have difficulty with obtaining signature loans in Miami, Florida, and Kayce is the same. Kayce went to 7 lending institutions or more before finding Delta National Bank and Trust Company of Florida, who offered Kayce a signature loan for $144000. Typical signature loans simply require a client, like Kayce’s signature to obtain them, up to $42,000 in some cases. Kayce was able to get $144000 as a mortgage, which is very high for a mortgage. Because signature loans do not need a cosigner, they tend to need higher credit, as high as 777

Conclusion of Kayce’s mortgage

In the end, Kayce was able to find a mortgage for $144000 with an interest rate of 7.7% interest APR from Delta National Bank and Trust Company of Florida in Miami, Florida repayable over 18 years from today.

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.