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$78000 Home Loan In New Orleans Louisiana With Credit Score 700 For Yuko

$78000 Home Loan – New Orleans Louisiana, Credit Score Of 700

  • Experian: 713 – This client had a good Experian score
  • Transunion: 684 – Yuko had a good credit rating with Transunion.
  • Equifax: Yuko’s Experian score was 700, which is a good credit rating on the Experian scale.

Installment loan for Yuko, a graduate of National Fashion and Beauty College and a construction laborer working for over $72,000 per year

Yuko, an alumnus at National Fashion and Beauty College and a construction laborer in New Orleans, Louisiana wants a home loan to purchase a new cell phone. Yuko has instead chosen to obtain an installment loan for $22,000 and is currently seeking lenders like Bank of Grand Cane to provide it.

Yuko’s Overall FICO score at the time of acceptance for a home loan, taking into account their construction laborer job and their future job as a sales representative

Fico Score: 700

Yuko’s Transunion score was changed by the home loan loan, changing to 684 from 700, which is typical in our experience.

Transunion Score: 684

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans vary from $25,000.00 to $51,000.00. They are normally used to pay off existing high interest loans like credit cards. Yuko required a debt consolidation loan to pay for their existing home loan and their credit card. Yuko was able to find a home loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.1%.

When Yuko was 23, they attempted to obtain a student loan from 4 alternate banks, which damaged their credit score. Below is a list of Yuko’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on October 22, 2011
  • Attempt 2) Loan for $26,000.00 on September 19, 2012
  • Attempt 3) Loan for $23,000.00 on February 27, 2014
  • Attempt 4) Loan for $25,000.00 on May 4, 2011

Previous requests on Yuko’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$28570.00 3 8.1% $896.6 Bank of Zachary July 20, 2012
$28810.00 6 5.2% $466.66 Landmark Bank September 6, 2014
$28750.00 4 5.3% $666.01 Bank of Gonzales February 9, 2015
$28840.00 10 7.5% $342.34 The Highlands Bank June 4, 2015
$29490.00 9 8.8% $396.26 Bank of Grand Cane June 17, 2015

Personal Loan for a construction laborer named Yuko in New Orleans, Louisiana to Pay Off Merrill Lynch Business Signature Rewards

Yuko had a lot of credit card debt on their Ohio University Alumni Credit Card and their L.L. Bean Visa Card, and they were starting to get in over their heads. Despite Yuko’s job as a construction laborer, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this home loan, Yuko had an Experian score of 713, which is good, so First NBC Bank probably can provide Yuko a home loan

Experian Score: 713

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

Yuko has always wanted to be a sales representative, but would need attend National Fashion and Beauty College again to achieve it. Yuko has other prospects as well, including nuclear engineer, physician’s office nurse, and social psychologist, which pay $52,000 through to $91,000 per year, at least. For this reason, we think that Yuko can afford this home loan of $78000.

Paraphrased and Standardized Quote from Yuko for this home loan of $78000, provided by First NBC Bank

Hello, I am Yuko and I am from New Orleans in Louisiana. Orleans, county is where I grew up, and now I need a home loan in Louisiana for $78000 to buy a big ticket item. It has been difficult, but First NBC Bank really came through for me with this loan for 5.7% interest APR and a term of 19 years. I will repay the loan over the 19 year term, including interest. A big thanks to First NBC Bank for trusting me and my good credit. It look me 6 years to build my credit to 700, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

Fast Loans for Yuko in New Orleans, Louisiana to prevent bankruptcy or harm from debt collectors.

Fast loans in New Orleans, Louisiana aren’t actually that difficult to obtain, particularly if you have some gumption like Yuko. Yuko was able to find a fast loan for $78000 from Bank of Greensburg and The Bank of Commerce, but turned down both offers in favor of their home loan from First NBC 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 debt consolidation loans. A big improvement in the case that you are in a time sensitive situation.

Client Profile: Yuko Lescarbeau of New Orleans, Louisiana
  • Full name (Changed if requested): Yuko Lescarbeau
  • Current Credit: loans.hit.utils.Fico@1ed6993a
  • Current City: New Orleans
  • State: Louisiana
  • Zip code: 70113
  • Yearly income: $69,000
  • Current Job: construction laborer
  • Current County: Orleans
  • Goal Yearly Income: $147,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Yuko was not approved by The First National Bank of Lake Charles 5 times prior to being approved by First NBC Bank at 210 Baronne Street

On November 19, 2011, Yuko applied about borrowing $28,000 from St. Bernard Bank & Trust Co. with Babara, their in law from just outside New Orleans, and even with the co-signer, Yuko was rejected for this home loan. With good credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Signature Loan acquired in New Orleans, Louisiana for $78000 with good credit by Yuko

A lot of prospective borrowers struggle with finding signature loans in New Orleans, Louisiana, and Yuko is no different. Yuko went to 7 lending institutions or more prior to finding First NBC Bank, who offered Yuko a signature loan for $78000. Typical signature loans simply need a client, like Yuko’s signature to obtain them, up to $48,000 in some cases. Yuko was able to get $78000 as a home loan, which is very high for a home loan. Because signature loans do not need a cosigner, these loans generally need improved credit, as high as 762

Multiple past requests for credit have been made by Yuko in the past, including one from Prestige Bank, A Federal Savings Bank in New Orleans, Louisiana before Yuko was approved for the $78000 by First NBC Bank

Yuko made 7 prior attempts to obtain a home loan, 2 of which were with Prestige Bank, A Federal Savings Bank, a lender in New Orleans, Louisiana known to specialize in home loans specifically. Before finding First NBC Bank, Yuko was very concerned due to their inexperience and good credit score.

Contact Details for First NBC Bank, the provider of this home loan

  • First NBC Bank
  • City: New Orleans
  • State: Louisiana
  • Address: 210 Baronne Street
  • County: Orleans
  • Zip code: 70112

8 Months in the Past, Yuko Tried to Find a High Risk Loan for $33,000.00, and it was Easy

It is an ongoing struggle for borrowers to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Yuko. Yuko decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit borrowers. Borrowers with credit ratings as low as 355 can apply for a high risk loan and have a chance to be accepted.

Conclusion of Yuko’s home loan

In the end, Yuko was able to find a home loan for $78000 with an interest rate of 7.4% interest APR from First NBC Bank in New Orleans, Louisiana repayable over 19 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.