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Low Rate Mortgage For Grover In Waynesboro, Mississippi

$156000 Mortgage – Waynesboro Mississippi, Credit Rating Of 431

  • Experian: 443 – This client had a bad Experian score
  • Transunion: 416 – Grover had a bad credit score with Transunion.
  • Equifax: Grover’s Experian score was 431, which is a bad credit rating with the Experian system.

When Grover was 20, they attempted to obtain a student loan from 7 different banks, which damaged their credit rating. Below is a list of Grover’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on May 15, 2010
  • Attempt 2) Loan for $31,000.00 on August 29, 2010
  • Attempt 3) Loan for $34,000.00 on October 15, 2012
  • Attempt 4) Loan for $38,000.00 on October 8, 2010
  • Attempt 5) Loan for $20,000.00 on November 16, 2009
  • Attempt 6) Loan for $30,000.00 on August 14, 2012
  • Attempt 7) Loan for $23,000.00 on December 19, 2008

Grover was not approved by Britton & Koontz Bank, N.A. 7 times before being granted funding by First National Bank of Waynesboro at 618 Azalea Drive

On January 6, 2012, Grover applied about borrowing $1,000 from First-Columbus National Bank with Candice, their in law from just outside Waynesboro, and even with the co-signer, Grover was rejected for this mortgage. With bad credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

7 Months in the Past, Grover Tried Finding a High Risk Loan for $38,000.00, and it was Easy

There is an well known struggle for borrowers to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Grover. Grover chose not to obtain a high risk loan this time. High Risk loans are given to very low credit borrowers. Clients with credit scores as low as 375 can inquire for a high risk loan and may be be accepted.

Grover’s Transunion score was altered by the mortgage loan, changing to 416 from 431, which is normal in our experience.

Transunion Score: 416

Installment loan for Grover, a graduate of Idaho State University and a respiratory care technician working for over $65,000 per year

Grover, an alumnus at Idaho State University and a respiratory care technician in Waynesboro, Mississippi needs a mortgage to purchase a house. Grover has instead decided to get an installment loan for $25,000 and is at present seeking lenders like The Bank of Falkner to provide it.

Grover has a sad current total income, but has several of prospects

Grover has always wanted to be a sales floor stock clerk, but would have to attend Idaho State University again to become one. Grover has other possibilities as well, including fire prevention engineer, athletic coach, and agricultural sciences professor, which pay $57,000 through to $93,000 per year, on average. For this reason, we believe that Grover can afford this mortgage of $156000.

Personal Loan for a respiratory care technician named Grover in Waynesboro, Mississippi to Pay Off Sleep Train Credit Card

Grover had a tonne of credit card debt on their DISTANCIA Visa Secured Card and their Silver Prepaid MasterCard, and they were starting to get in over their heads. Despite Grover’s job as a respiratory care technician, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Fast Loans for Grover in Waynesboro, Mississippi to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Waynesboro, Mississippi aren’t actually that difficult to obtain, particularly if you have some finesse like Grover. Grover was able to find a fast loan for $156000 from The Commercial National Bank and Trust Company of Laurel and The Delta National Bank of Yazoo City, but declined both offers in favor of their mortgage from First National Bank of Waynesboro. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big improvement in the case that a borrower is in a pinch.

Grover’s Overall FICO score at the time of acceptance for a mortgage, taking into account their respiratory care technician job and their future job as a sales floor stock clerk

Fico Score: 431

Signature Loan acquired in Waynesboro, Mississippi for $156000 with bad credit by Grover

A lot of prospective borrowers struggle with obtaining signature loans in Waynesboro, Mississippi, and Grover is not an exception. Grover went to 7 lenders or more before finding First National Bank of Waynesboro, who offered Grover a signature loan for $156000. Most signature loans simply require a client, like Grover’s signature to get them, up to $44,000 in some cases. Grover was able to get $156000 as a mortgage, which is very high for a mortgage. Because signature loans do not require a cosigner, these loans tend to require better credit, as high as 775

Paraphrased and Standardized Quote from Grover for this mortgage of $156000, provided by First National Bank of Waynesboro

Hi, I am Grover and my hometown is Waynesboro in Mississippi. Wayne, county is where I grew up, and now I need a mortgage in Mississippi for $156000 to buy a car. It wasn’t easy, but First National Bank of Waynesboro really came through for me with this loan for 7.7% interest APR and a term of 3 years. I will repay the loan over the 3 year term, including interest. A big thanks to First National Bank of Waynesboro for giving me a chance and my bad credit. It look me 4 years to create my credit to 431, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.

Client Profile: Grover Daugaard of Waynesboro, Mississippi
  • Full name (Changed if requested): Grover Daugaard
  • Current Credit: loans.hit.utils.Fico@27973e9b
  • Current City: Waynesboro
  • State: Mississippi
  • Zip code: 39370
  • Yearly income: $48,000
  • Current Job: respiratory care technician
  • Current County: Wayne
  • Goal Yearly Income: $104,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Several previous requests for credit have been made by Grover in the past, including one from Fidelity State Bank and Trust Company in Waynesboro, Mississippi before Grover was approved for the $156000 by First National Bank of Waynesboro

Grover made 6 prior attempts to obtain a mortgage, 2 of which were with Fidelity State Bank and Trust Company, a bank in Waynesboro, Mississippi known to specialize in mortgages specifically. Prior to finding First National Bank of Waynesboro, Grover was desperate due to their inexperience and bad credit score.

Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $26,000.00 to $57,000.00. They are normally used to pay off existing high interest loans like credit cards. Grover needed a debt consolidation loan to pay for their existing mortgage and their credit card. Grover was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which changes your less desirable, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 3.0%.

Before applying for this mortgage, Grover had an Experian score of 443, which is bad, so First National Bank of Waynesboro probably cannot provide Grover a mortgage

Experian Score: 443

Previous requests on Grover’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$95240.00 11 9.5% $1165.61 Peoples Bank of Durant June 1, 2010
$94780.00 7 9.4% $1544.23 Holmes County Bank & Trust Company January 16, 2012
$95360.00 7 8.1% $1491.06 The Bank of Sebastopol March 2, 2014
$94640.00 8 9.4% $1406.21 Merchants & Planters Bank June 21, 2014

Contact Details for First National Bank of Waynesboro, the provider of this mortgage

  • First National Bank of Waynesboro
  • City: Waynesboro
  • State: Mississippi
  • Address: 618 Azalea Drive
  • County: Wayne
  • Zip code: 39367

Conclusion of Grover’s mortgage

In the end, Grover was able to find a mortgage for $156000 with an interest rate of 7.6% interest APR from First National Bank of Waynesboro in Waynesboro, Mississippi repayable over 3 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.