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Josue Lerno’s Home Loan For 78000 Dollars In Cocoa Florida

$78000 Home Loan – Cocoa Florida, Credit Rating Of 731

  • Experian: 744 – This individual had an excellent Experian score
  • Transunion: 715 – Josue had an excellent credit score with Transunion.
  • Equifax: Josue’s Experian score was 731, which is an excellent credit score using the Experian system.

Josue was declined by The First Bankers of Polk County 6 times prior to being accepted by Southeast Bank of Brevard at 837 Forrest Avenue

On June 18, 2011, Josue applied about borrowing $5,000 from SunTrust Bank, Tampa Bay with Evan, their in law from just outside Cocoa, and even with the co-signer, Josue was rejected for this home loan. With excellent credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Signature Loan found in Cocoa, Florida for $78000 with excellent credit by Josue

Many prospective borrowers struggle with obtaining signature loans in Cocoa, Florida, and Josue is not an exception. Josue went to 7 lending institutions or more before settling on Southeast Bank of Brevard, who offered Josue a signature loan for $78000. Most signature loans simply require a client, like Josue’s signature to get them, up to $39,000 in some cases. Josue was able to get $78000 as a home loan, which is very high for a home loan. Since signature loans do not need a cosigner, they tend to require higher credit, as high as 732

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

Fast loans in Cocoa, Florida aren’t actually that difficult to obtain, particularly if you have some gumption like Josue. Josue was able to find a fast loan for $78000 from Century Bank of Orange County and NCNB National Bank of Florida, but declined both offers in favor of their home loan from Southeast Bank of Brevard. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. An improvement if a client is in a pinch.

When Josue was 24, they tried to obtain a student loan from 4 different banks, which damaged their credit rating. Below is a list of Josue’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on April 27, 2009
  • Attempt 2) Loan for $31,000.00 on September 4, 2011
  • Attempt 3) Loan for $34,000.00 on September 1, 2012
  • Attempt 4) Loan for $29,000.00 on October 16, 2009

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

Most debt consolidation loans vary from $20,000.00 to $56,000.00. They are normally used to pay off existing high interest loans like credit cards. Josue required a debt consolidation loan to pay for their existing home loan and their payday loan. Josue was able to find a home loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 4.3%.

Previous requests on Josue’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$81390.00 5 7.5% $1630.89 NCNB National Bank of Florida January 27, 2011
$80550.00 11 5.1% $798.58 Southeast Bank of Madison County, National Association November 30, 2011
$81330.00 11 8.2% $937.2 Southeast Bank of Wildwood June 1, 2012
$81370.00 8 10.4% $1252.01 Atlantic Bank of Jacksonville January 22, 2013
$81450.00 4 8.4% $2003.76 Century National Bank of Broward October 4, 2013

Josue’s Overall FICO score at the time of acceptance for a home loan, taking into account their cook job and their future job as a landscape contractor

Fico Score: 731

Many other requests for credit have been made by Josue in the past, including one from Central Texas Savings and Loan Association in Cocoa, Florida before Josue was approved for the $78000 by Southeast Bank of Brevard

Josue made 8 previous attempts to obtain a home loan, 2 of which were with Central Texas Savings and Loan Association, a lender in Cocoa, Florida known to specialize in home loans specifically. Before finding Southeast Bank of Brevard, Josue was very concerned due to their inexperience and excellent credit score.

Installment loan for Josue, a graduate of Virginia Center for Montessori Studies and a cook working for over $64,000 per year

Josue, an alumnus at Virginia Center for Montessori Studies and a cook in Cocoa, Florida wants a home loan to purchase a house. Josue has instead chosen to obtain an installment loan for $12,000 and is at present seeking lenders like Barnett Bank of West Florida to provide it.

Client Profile: Josue Lerno of Cocoa, Florida
  • Full name (Changed if requested): Josue Lerno
  • Current Credit: loans.hit.utils.Fico@51016012
  • Current City: Cocoa
  • State: Florida
  • Zip code: 32923
  • Yearly income: $39,000
  • Current Job: cook
  • Current County: Brevard
  • Goal Yearly Income: $144,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

9 Months Ago, Josue Attempted to Find a High Risk Loan for $30,000.00, and it was Hard

There is an well known struggle for clients to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Josue. Josue decided not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Clients with credit ratings as low as 448 can inquire for a high risk loan and may be be accepted.

Paraphrased and Standardized Quote from Josue for this home loan of $78000, provided by Southeast Bank of Brevard

Hello, I am Josue and my hometown is Cocoa in Florida. Brevard, county is where I grew up, and now I need a home loan in Florida for $78000 to avoid bankruptcy. It wasn’t easy, but Southeast Bank of Brevard really came through for me with this loan for 6.6% interest APR and a term of 18 years. I can repay the loan over the 18 year term, including interest. A big thanks to Southeast Bank of Brevard for giving me a chance and my excellent credit. It look me 6 years to build my credit to 731, and I won’t tarnish it any future. I am happy with Find Texas Loans for helping me this far.

Contact Details for Southeast Bank of Brevard, the provider of this home loan

  • Southeast Bank of Brevard
  • City: Cocoa
  • State: Florida
  • Address: 837 Forrest Avenue
  • County: Brevard
  • Zip code: 32922

Josue has a sad current total income, but has a large amount of prospects

Josue has always wanted to be a landscape contractor, but would have to attend Virginia Center for Montessori Studies again to become one. Josue has other prospects as well, including animal husbandry worker supervisor, legal assistant, and correspondence clerk, which pay $51,000 through to $93,000 per year, at least. Because of this, we think that Josue can afford this home loan of $78000.

Personal Loan for a cook named Josue in Cocoa, Florida to Pay Off BB&T Spectrum Rewards Card

Josue had a lot of credit card debt on their BrylaneHome Credit Card and their Navy FCU cashRewards Credit Card, and they were starting to get in over their heads. Despite Josue’s job as a cook, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Before applying for this home loan, Josue had an Experian score of 744, which is excellent, so Southeast Bank of Brevard most likely cannot provide Josue a home loan

Experian Score: 744

Josue’s Transunion score was changed by the home loan loan, changing to 715 from 731, which is typical in our experience.

Transunion Score: 715

Conclusion of Josue’s home loan

In the end, Josue was able to find a home loan for $78000 with an interest rate of 8.7% interest APR from Southeast Bank of Brevard in Cocoa, Florida repayable over 18 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.