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3 Year Mortgage For Earlean In Thomasville Georgia

$126000 Mortgage – Thomasville Georgia, Credit Rating Of 679

  • Experian: 693 – The client had a good Experian score
  • Transunion: 662 – Earlean had a good credit score with Transunion.
  • Equifax: Earlean’s Experian score was 679, which is a good credit score with the Experian system.

Installment loan for Earlean, a graduate of Pima Medical Institute – Tucson and an advertising agency coordinator working for over $68,000 per year

Earlean, an alumnus at Pima Medical Institute – Tucson and an advertising agency coordinator in Thomasville, Georgia needs a mortgage to purchase a new cell phone. Earlean has instead chosen to obtain an installment loan for $7,000 and is currently seeking lenders like Monroe County Bank to provide it.

Before applying for this mortgage, Earlean had an Experian score of 693, which is good, so Southern Federal Savings Bank likely cannot provide Earlean a mortgage

Experian Score: 693

Contact Details for Southern Federal Savings Bank, the provider of this mortgage

  • Southern Federal Savings Bank
  • City: Thomasville
  • State: Georgia
  • Address: 301 U. S. 19 South
  • County: Thomas
  • Zip code: 31792
Client Profile: Earlean Prechtel of Thomasville, Georgia
  • Full name (Changed if requested): Earlean Prechtel
  • Current Credit: loans.hit.utils.Fico@4361bd48
  • Current City: Thomasville
  • State: Georgia
  • Zip code: 31794
  • Yearly income: $67,000
  • Current Job: advertising agency coordinator
  • Current County: Thomas
  • Goal Yearly Income: $138,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

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

Fast loans in Thomasville, Georgia aren’t actually that difficult to obtain, especially if you have some gumption like Earlean. Earlean was able to find a fast loan for $126000 from Bank of Hazlehurst and Citizens Bank, but declined both offers in favor of their mortgage from Southern Federal Savings Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference if a borrower is in a pinch.

Earlean’s Transunion score was changed by the mortgage loan, changing to 662 from 679, which is normal in our experience.

Transunion Score: 662

Signature Loan easily acquired in Thomasville, Georgia for $126000 with good credit by Earlean

A lot of borrowers have difficulty with obtaining signature loans in Thomasville, Georgia, and Earlean is no different. Earlean went to 7 lending institutions or more prior to settling on Southern Federal Savings Bank, who offered Earlean a signature loan for $126000. Most signature loans simply require a client, like Earlean’s signature to get them, up to $22,000 in some cases. Earlean was able to get $126000 as a mortgage, which is very high for a mortgage. Because signature loans do not need a cosigner, they generally require improved credit, as high as 777

Personal Loan for an advertising agency coordinator named Earlean in Thomasville, Georgia to Pay Off Amalgamated Bank of Chicago MasterCard

Earlean had a tonne of credit card debt on their Belk Rewards Card and their Bealls Florida Credit Card, and they were starting to get in over their heads. Despite Earlean’s job as an advertising agency coordinator, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $33,000.00 to $52,000.00. They are typically used to pay off existing high interest loans like credit cards. Earlean needed a debt consolidation loan to pay for their existing mortgage and their loan shark loan. Earlean was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which transfers your bad, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.2%.

8 Months in the Past, Earlean Tried to Find a High Risk Loan for $24,000.00, and it was Hard

There is an ongoing struggle for borrowers to find high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Earlean. Earlean decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit borrowers. Clients with credit ratings as low as 407 can apply for a high risk loan and possibly can be accepted.

Earlean was declined by The Commercial Bank 4 times before being accepted by Southern Federal Savings Bank at 301 U. S. 19 South

On November 17, 2008, Earlean inquired about borrowing $6,000 from Coffee County Bank with Annmarie, their in law from just outside Thomasville, and even with the co-signer, Earlean was rejected for this mortgage. With good credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Earlean’s Overall FICO score at the time of acceptance for a mortgage, taking into account their advertising agency coordinator job and their future career as a zoo veterinarian

Fico Score: 679

When Earlean was 19, they tried to obtain a student loan from 7 different banks, which harmed their credit rating. Below is a list of Earlean’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on February 8, 2011
  • Attempt 2) Loan for $39,000.00 on October 22, 2010
  • Attempt 3) Loan for $33,000.00 on May 20, 2009
  • Attempt 4) Loan for $37,000.00 on March 10, 2012
  • Attempt 5) Loan for $22,000.00 on August 31, 2012
  • Attempt 6) Loan for $36,000.00 on December 24, 2013
  • Attempt 7) Loan for $27,000.00 on November 6, 2012

Many previous requests for credit have been made by Earlean in the past, including one from The First National Bank of West Point in Thomasville, Georgia before Earlean was accepted for the $126000 by Southern Federal Savings Bank

Earlean made 4 prior attempts to obtain a mortgage, 2 of which were with The First National Bank of West Point, a lending institution in Thomasville, Georgia known to specialize in mortgages specifically. Prior to finding Southern Federal Savings Bank, Earlean was concerned due to their inexperience and good credit rating.

Earlean has a low current yearly income, but has several of prospects

Earlean has always wanted to be a zoo veterinarian, but would need attend Pima Medical Institute – Tucson again to become one. Earlean has other prospects as well, including video engineer, alumni relations coordinator, and community organization worker, which pay $58,000 through to $108,000 per year, on average. Because of this, we believe that Earlean can pay for this mortgage of $126000.

Previous requests on Earlean’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$146770.00 11 5.2% $1462.39 NationsBank of Florida, National Association December 1, 2009
$147140.00 10 11.6% $2077.15 Century Bank and Trust April 16, 2012
$147440.00 11 9.2% $1779.83 Bank of Madison September 8, 2012
$147140.00 6 10.8% $2785.62 Bank of Hazlehurst May 10, 2013
$147360.00 10 11.3% $2054.99 The Citizens and Southern Bank of Dublin November 20, 2014

Paraphrased and Standardized Quote from Earlean for this mortgage of $126000, provided by Southern Federal Savings Bank

Hi, I am Earlean and I’m from Thomasville in Georgia. Thomas, county is where I grew up, and now I need a mortgage in Georgia for $126000 to pay bills. It wasn’t easy, but Southern Federal Savings Bank really came through for me with this loan for 8.7% interest APR and a term of 20 years. I will repay the loan over the 20 year term, including interest. A big thanks to Southern Federal Savings Bank for trusting me and my good credit. It look me 5 years to create my credit to 679, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.

Conclusion of Earlean’s mortgage

In the end, Earlean was able to find a mortgage for $126000 with an interest rate of 8.2% interest APR from Southern Federal Savings Bank in Thomasville, Georgia repayable over 20 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.