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$148000 Mortgage In Houston Texas With Credit Score 834 For Leoma

$148000 Mortgage – Houston Texas, Credit Score Of 834

  • Experian: 851 – This individual had an excellent Experian rating
  • Transunion: 819 – Leoma had an excellent credit rating with Transunion.
  • Equifax: Leoma’s Experian score was 834, which is an excellent credit score on the Experian system.

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans range from $27,000.00 to $45,000.00. They are typically used to pay off existing high interest loans like credit cards. Leoma required a debt consolidation loan to pay for their existing mortgage and their credit card. Leoma was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your less desirable, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 3.1%.

Multiple past requests for credit have been made by Leoma in the past, including one from Premier Community Bank in Houston, Texas before Leoma was approved for the $148000 by MBank Ashford

Leoma made 8 prior attempts to obtain a mortgage, 2 of which were with Premier Community Bank, a lender in Houston, Texas known to specialize in mortgages specifically. Before finding MBank Ashford, Leoma was concerned due to their inexperience and excellent credit score.

Personal Loan for an electronics technician named Leoma in Houston, Texas to Pay Off US Appliance Credit Card

Leoma had a lot of credit card debt on their Fashion Bug Credit Card and their BankAmericard Travel Rewards for Students, and they were starting to get in over their heads. Despite Leoma’s job as an electronics technician, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Leoma’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$99290.00 3 8.1% $3115.97 Comerica Bank October 4, 2010
$98540.00 4 6.4% $2332.33 First Star Bank, S.S.B. February 12, 2011
$98530.00 9 6.5% $1207.44 Brownfield State Bank & Trust Co. September 22, 2012
$99400.00 5 11.1% $2166.16 First Bank & Trust, Bryan, Texas October 24, 2013

Leoma was rejected by First Consolidated Bank – Ferris 5 times before being granted funding by MBank Ashford at 877 North Dairy Ashford Road

On March 29, 2011, Leoma applied about borrowing $19,000 from First Star Bank, S.S.B. with Tyron, their in law from just outside Houston, and even with the co-signer, Leoma was rejected for this mortgage. With excellent credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Leoma’s Transunion score was altered by the mortgage loan, changing to 819 from 834, which is typical in our experience.

Transunion Score: 819

Before applying for this mortgage, Leoma had an Experian score of 851, which is excellent, so MBank Ashford likely cannot provide Leoma a mortgage

Experian Score: 851

Signature Loan easily acquired in Houston, Texas for $148000 with excellent credit by Leoma

Most prospective borrowers struggle with obtaining signature loans in Houston, Texas, and Leoma is no different. Leoma went to 8 lending institutions or more before finding MBank Ashford, who offered Leoma a signature loan for $148000. Typical signature loans simply need a client, like Leoma’s signature to get them, up to $36,000 in some cases. Leoma was able to get $148000 as a mortgage, which is very high for a mortgage. Because signature loans don’t require collateral, these loans generally need improved credit, as high as 771

Client Profile: Leoma Waltos of Houston, Texas
  • Full name (Changed if requested): Leoma Waltos
  • Current Credit: loans.hit.utils.Fico@64c64813
  • Current City: Houston
  • State: Texas
  • Zip code: 77031
  • Yearly income: $40,000
  • Current Job: electronics technician
  • Current County: Harris
  • Goal Yearly Income: $115,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Contact Details for MBank Ashford, the provider of this mortgage

  • MBank Ashford
  • City: Houston
  • State: Texas
  • Address: 877 North Dairy Ashford Road
  • County: Harris
  • Zip code: 77024

Leoma’s Overall FICO score at the time of acceptance for a mortgage, taking into account their electronics technician job and their future career as a cook

Fico Score: 834

Paraphrased and Standardized Quote from Leoma for this mortgage of $148000, provided by MBank Ashford

Hi, I am Leoma and I’m from Houston in Texas. Harris, county is where I grew up, and now I need a mortgage in Texas for $148000 to avoid bankruptcy. It wasn’t easy, but MBank Ashford really came through for me with this loan for 8.4% interest APR and a term of 10 years. I can repay the loan over the 10 year term, including interest. A big thanks to MBank Ashford for giving me a chance and my excellent credit. It look me 9 years to build my credit to 834, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Fast Loans for Leoma in Houston, Texas to prevent bankruptcy or harm from debt collectors.

Fast loans in Houston, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Leoma. Leoma was able to find a fast loan for $148000 from MBank Greenville, National Association and Silsbee State Bank, but turned down both offers in favor of their mortgage from MBank Ashford. 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 debt consolidation loans. A big difference if a borrower is in a time sensitive situation.

Installment loan for Leoma, a graduate of Hofstra University and an electronics technician working for over $61,000 per year

Leoma, an alumnus at Hofstra University and an electronics technician in Houston, Texas needs a mortgage to purchase a car. Leoma has instead decided to get an installment loan for $9,000 and is at present seeking lenders like Comerica Bank to provide it.

When Leoma was 20, they attempted to obtain a student loan from 5 alternate lenders, which harmed their credit rating. Below is a chronology of Leoma’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on January 11, 2010
  • Attempt 2) Loan for $23,000.00 on January 8, 2014
  • Attempt 3) Loan for $33,000.00 on January 18, 2012
  • Attempt 4) Loan for $36,000.00 on August 2, 2011
  • Attempt 5) Loan for $37,000.00 on June 19, 2010

Leoma has a low current gross income, but has several of prospects

Leoma has always wanted to be a cook, but would need attend Hofstra University again to become one. Leoma has other possibilities as well, including marina boat charter administrator, mathematical technician, and harbor master, which pay $51,000 through to $95,000 per year, at least. Because of this, we think that Leoma can pay for this mortgage of $148000.

8 Months in the Past, Leoma Tried Finding a High Risk Loan for $24,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for clients to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Leoma. Leoma decided not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit applicants. Borrowers with credit ratings as low as 345 can inquire for a high risk loan and may be be approved.

Conclusion of Leoma’s mortgage

In the end, Leoma was able to find a mortgage for $148000 with an interest rate of 10.3% interest APR from MBank Ashford in Houston, Texas repayable over 10 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.