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1 Month Mortgage For Laverne In St. Louis Missouri

$44000 Mortgage – St. Louis Missouri, Credit Score Of 498

  • Experian: 510 – The client had a bad Experian score
  • Transunion: 479 – Laverne had a bad credit score with Transunion.
  • Equifax: Laverne’s Experian score was 498, which is a bad credit score using the Experian system.

Paraphrased and Standardized Quote from Laverne for this mortgage of $44000, provided by CharterBank St. Louis National Association

Hello, I am Laverne and I am from St. Louis in Missouri. Saint Louis (City), county is where I grew up, and now I need a mortgage in Missouri for $44000 to renovate my home. It wasn’t easy, but CharterBank St. Louis National Association really came through for me with this loan for 11.8% interest APR and a term of 9 years. I can probably repay the loan over the 9 year term, including interest. A big thanks to CharterBank St. Louis National Association for trusting me and my bad credit. It look me 4 years to create my credit to 498, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.

Laverne was declined by Jefferson-Gravois Bank of St. Louis 4 times before being granted funding by CharterBank St. Louis National Association at 4625 Lindell Boulevard

On October 6, 2009, Laverne inquired about borrowing $26,000 from Lindell Bank & Trust Company with Carmelita, their in law from just outside St. Louis, and even with the co-signer, Laverne was rejected for this mortgage. With bad credit, it can be very hard to procure funding, even with collateral and a co-signer.

Fast Loans for Laverne in St. Louis, Missouri to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in St. Louis, Missouri aren’t actually that difficult to obtain, especially if you have some finesse like Laverne. Laverne was able to find a fast loan for $44000 from Mercantile Bank of West Central Missouri and Central Bank, but turned down both offers in favor of their mortgage from CharterBank St. Louis National Association. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. Much better in the case that a borrower is on the go.

Before applying for this mortgage, Laverne had an Experian score of 510, which is bad, so CharterBank St. Louis National Association probably cannot provide Laverne a mortgage

Experian Score: 510

When Laverne was 18, they tried to obtain a student loan from 7 alternate lenders, which harmed their credit score. Below is a list of Laverne’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on November 10, 2011
  • Attempt 2) Loan for $35,000.00 on May 31, 2010
  • Attempt 3) Loan for $37,000.00 on December 17, 2011
  • Attempt 4) Loan for $22,000.00 on January 3, 2009
  • Attempt 5) Loan for $30,000.00 on March 5, 2009
  • Attempt 6) Loan for $37,000.00 on July 11, 2013
  • Attempt 7) Loan for $29,000.00 on August 5, 2010

Laverne’s Transunion score was changed by the mortgage loan, changing to 479 from 498, which is typical in our experience.

Transunion Score: 479

Signature Loan acquired in St. Louis, Missouri for $44000 with bad credit by Laverne

Many prospective borrowers have difficulty with obtaining signature loans in St. Louis, Missouri, and Laverne is the same. Laverne went to 6 lending institutions or more prior to finding CharterBank St. Louis National Association, who offered Laverne a signature loan for $44000. Typical signature loans simply require a client, like Laverne’s signature to obtain them, up to $43,000 in some cases. Laverne was able to get $44000 as a mortgage, which is very high for a mortgage. Since signature loans don’t need collateral, they generally require improved credit, as high as 756

Multiple previous requests for credit have been made by Laverne in the past, including one from The First National Bank of Shiner in St. Louis, Missouri before Laverne was approved for the $44000 by CharterBank St. Louis National Association

Laverne made 8 prior attempts to obtain a mortgage, 2 of which were with The First National Bank of Shiner, a lending institution in St. Louis, Missouri known to specialize in mortgages specifically. Prior to finding CharterBank St. Louis National Association, Laverne was desperate due to their inexperience and bad credit score.

Installment loan for Laverne, a graduate of Oklahoma State University – Oklahoma City and a cartographer working for over $73,000 per year

Laverne, an alumnus at Oklahoma State University – Oklahoma City and a cartographer in St. Louis, Missouri needs a mortgage to purchase a house. Laverne has instead chosen to obtain an installment loan for $9,000 and is currently seeking lenders like Commerce Bank of Mound City to process their request.

Personal Loan for a cartographer named Laverne in St. Louis, Missouri to Pay Off Working Assets Visa Credit Card

Laverne had a tonne of credit card debt on their Fulton Bank Secured Visa Card and their The Bank of Kentucky Visa, and they were starting to get in over their heads. Despite Laverne’s job as a cartographer, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Laverne has a disappointing current total income, but has a high number of prospects

Laverne has always wanted to be an automotive engineer, but would need attend Oklahoma State University – Oklahoma City again to become one. Laverne has other possibilities as well, including marine surveyor, casting director, and power-line installer and mechanic, which pay $56,000 through to $108,000 per year, at least. For this reason, we believe that Laverne can afford this mortgage of $44000.

Client Profile: Laverne Tommolino of St. Louis, Missouri
  • Full name (Changed if requested): Laverne Tommolino
  • Current Credit: loans.hit.utils.Fico@446cdf90
  • Current City: St. Louis
  • State: Missouri
  • Zip code: 63115
  • Yearly income: $55,000
  • Current Job: cartographer
  • Current County: Saint Louis (City)
  • Goal Yearly Income: $130,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Previous requests on Laverne’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$116900.00 7 7.3% $1781.53 Camden County Bank December 21, 2013
$117180.00 10 5.6% $1277.53 Glasgow Savings Bank March 6, 2015
$117470.00 10 5.8% $1292.39 Central Bank July 18, 2015
$116690.00 6 7.5% $2017.58 Midwest BankCentre September 8, 2015

Contact Details for CharterBank St. Louis National Association, the provider of this mortgage

  • CharterBank St. Louis National Association
  • City: St. Louis
  • State: Missouri
  • Address: 4625 Lindell Boulevard
  • County: Saint Louis (City)
  • Zip code: 63108

Laverne’s Overall FICO score at the time of acceptance for a mortgage, taking into account their cartographer job and their future career as an automotive engineer

Fico Score: 498

8 Months Ago, Laverne Attempted Finding a High Risk Loan for $35,000.00, and it was Easy

It is an ongoing struggle for borrowers to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Laverne. Laverne decided not to get a high risk loan this time. High Risk loans are given to terrible credit applicants. Clients with credit ratings as low as 542 can inquire for a high risk loan and have a chance to be approved.

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $29,000.00 to $47,000.00. They are mainly used to pay off existing high interest loans like credit cards. Laverne required a debt consolidation loan to pay for their existing mortgage and their payday loan. Laverne was able to find a mortgage in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.5%.

Conclusion of Laverne’s mortgage

In the end, Laverne was able to find a mortgage for $44000 with an interest rate of 9.1% interest APR from CharterBank St. Louis National Association in St. Louis, Missouri repayable over 9 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.