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Cheryll Beliles’s Home Loan For 168000 Dollars In Connellsville Pennsylvania

$168000 Home Loan – Connellsville Pennsylvania, Credit Score Of 559

  • Experian: 570 – The client had a fair Experian score
  • Transunion: 545 – Cheryll had a fair credit score with Transunion.
  • Equifax: Cheryll’s Experian score was 559, which is a fair credit rating with the Experian rating scheme.

Cheryll’s Transunion score was altered by the home loan loan, changing to 545 from 559, which is normal in our experience.

Transunion Score: 545

Cheryll was declined by Saucon Valley Trust Company 7 times prior to being accepted by Yough Valley National Bank at 125 South Arch Street

On March 27, 2013, Cheryll applied about borrowing $40,000 from Mellon Bank (East) PSFS, National Association with Bobette, their in law from just outside Connellsville, and even with the co-signer, Cheryll was rejected for this home loan. With fair credit, it can be difficult to procure funding, even with collateral and a co-signer.

Client Profile: Cheryll Beliles of Connellsville, Pennsylvania
  • Full name (Changed if requested): Cheryll Beliles
  • Current Credit: loans.hit.utils.Fico@3b95a09c
  • Current City: Connellsville
  • State: Pennsylvania
  • Zip code: 15431
  • Yearly income: $45,000
  • Current Job: packaging machine operator
  • Current County: Fayette
  • Goal Yearly Income: $121,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Signature Loan acquired in Connellsville, Pennsylvania for $168000 with fair credit by Cheryll

A lot of prospective borrowers have difficulty with obtaining signature loans in Connellsville, Pennsylvania, and Cheryll is not an exception. Cheryll went to 8 lenders or more before finding Yough Valley National Bank, who offered Cheryll a signature loan for $168000. Most signature loans simply need a client, like Cheryll’s signature to obtain them, up to $39,000 in some cases. Cheryll was able to get $168000 as a home loan, which is very high for a home loan. Since signature loans do not require collateral, these loans generally require higher credit, as high as 729

Fast Loans for Cheryll in Connellsville, Pennsylvania to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Connellsville, Pennsylvania aren’t actually that difficult to obtain, especially if you have some finesse like Cheryll. Cheryll was able to find a fast loan for $168000 from Industrial Valley Bank and Trust Company and Provident National Bank, but declined both offers in favor of their home loan from Yough Valley National Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. An improvement if you are in a pinch.

8 Months in the Past, Cheryll Attempted Finding a High Risk Loan for $34,000.00, and it was Hard

There is an existing struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Cheryll. Cheryll decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit individuals. Individuals with credit ratings as low as 348 can inquire for a high risk loan and have a chance to be approved.

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $31,000.00 to $55,000.00. They are mainly used to pay off existing high interest loans like credit cards. Cheryll needed a debt consolidation loan to pay for their existing home loan and their payday loan. Cheryll was able to find a home loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.4%.

Cheryll has a low current total income, but has a large amount of prospects

Cheryll has always wanted to be a quality control engineer, but would need attend Primary Children’s Medical Center again to become one. Cheryll has other prospects as well, including massage therapist, nursing professor, and mathematical technician, which pay $55,000 through to $105,000 per year, at least. For this reason, we think that Cheryll can afford this home loan of $168000.

Multiple other requests for credit have been made by Cheryll in the past, including one from The Huntington Bank of Chillicothe in Connellsville, Pennsylvania before Cheryll was approved for the $168000 by Yough Valley National Bank

Cheryll made 8 previous attempts to obtain a home loan, 2 of which were with The Huntington Bank of Chillicothe, a lender in Connellsville, Pennsylvania known to specialize in home loans specifically. Prior to finding Yough Valley National Bank, Cheryll was concerned due to their inexperience and fair credit rating.

Personal Loan for a packaging machine operator named Cheryll in Connellsville, Pennsylvania to Pay Off Plains Commerce Bank Visa Gold Card

Cheryll had a tonne of credit card debt on their Sportsman’s Warehouse Rewards Visa Card and their UNFCU Elite Credit Card, and they were starting to get in over their heads. Despite Cheryll’s job as a packaging machine operator, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Installment loan for Cheryll, a graduate of Primary Children’s Medical Center and a packaging machine operator working for over $60,000 per year

Cheryll, an alumnus at Primary Children’s Medical Center and a packaging machine operator in Connellsville, Pennsylvania needs a home loan to purchase a new cell phone. Cheryll has instead chosen to get an installment loan for $20,000 and is currently seeking lenders like Community Bank and Trust Company to provide it.

Paraphrased and Standardized Quote from Cheryll for this home loan of $168000, provided by Yough Valley National Bank

Hi, I am Cheryll and I’m from Connellsville in Pennsylvania. Fayette, county is where I grew up, and now I need a home loan in Pennsylvania for $168000 to avoid bankruptcy. It has been difficult, but Yough Valley National Bank really came through for me with this loan for 5.5% interest APR and a term of 14 years. I can repay the loan over the 14 year term, including interest. A big thanks to Yough Valley National Bank for trusting me and my fair credit. It look me 9 years to build my credit to 559, and I won’t harm it any more. I am happy with Find Texas Loans for assisting me this far.

Previous requests on Cheryll’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$36120.00 6 6.6% $608.9 The People’s Bank of Oxford September 11, 2013
$36200.00 7 8.6% $575.1 First Lehigh Bank November 6, 2013
$36110.00 8 9.8% $544.13 SunBank January 20, 2014
$36440.00 3 10.7% $1187.83 Merchants Bank (North) March 24, 2014
$36260.00 4 6.3% $856.56 Green Ridge Bank May 11, 2015

Contact Details for Yough Valley National Bank, the provider of this home loan

  • Yough Valley National Bank
  • City: Connellsville
  • State: Pennsylvania
  • Address: 125 South Arch Street
  • County: Fayette
  • Zip code: 15425

Cheryll’s Overall FICO score at the time of acceptance for a home loan, taking into account their packaging machine operator job and their future career as a quality control engineer

Fico Score: 559

Before applying for this home loan, Cheryll had an Experian score of 570, which is fair, so Yough Valley National Bank likely cannot provide Cheryll a home loan

Experian Score: 570

When Cheryll was 18, they attempted to obtain a student loan from 7 alternate lenders, which damaged their credit score. Below is a list of Cheryll’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on August 10, 2011
  • Attempt 2) Loan for $39,000.00 on May 17, 2011
  • Attempt 3) Loan for $36,000.00 on April 2, 2011
  • Attempt 4) Loan for $20,000.00 on February 11, 2012
  • Attempt 5) Loan for $28,000.00 on November 15, 2013
  • Attempt 6) Loan for $27,000.00 on May 9, 2012
  • Attempt 7) Loan for $36,000.00 on May 3, 2013

Conclusion of Cheryll’s home loan

In the end, Cheryll was able to find a home loan for $168000 with an interest rate of 6.8% interest APR from Yough Valley National Bank in Connellsville, Pennsylvania repayable over 14 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.