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$36000 Mortgage In Mingo Junction Ohio With Credit Score 425 For Retha

$36000 Mortgage – Mingo Junction Ohio, Credit Score Of 425

  • Experian: 444 – They had a bad Experian rating
  • Transunion: 411 – Retha had a bad credit score with Transunion.
  • Equifax: Retha’s Experian score was 425, which is a bad credit rating using the Experian system.

Several previous requests for credit have been made by Retha in the past, including one from United Bank of the Gulf Coast in Mingo Junction, Ohio before Retha was approved for the $36000 by The Mingo National Bank of Mingo Junction

Retha made 6 prior attempts to obtain a mortgage, 2 of which were with United Bank of the Gulf Coast, a lender in Mingo Junction, Ohio known to specialize in mortgages specifically. Before finding The Mingo National Bank of Mingo Junction, Retha was very concerned due to their inexperience and bad credit score.

Retha has a very low current gross income, but has several of prospects

Retha has always wanted to be a printing/graphic arts reproduction technician, but would have to attend Willow Bend Cosmetic Surgery Center again to become one. Retha has other prospects as well, including air crew officer, tax accountant, and compliance officer, which pay $51,000 through to $97,000 per year, at least. Because of this, we believe that Retha can pay for this mortgage of $36000.

Client Profile: Retha Doiley of Mingo Junction, Ohio
  • Full name (Changed if requested): Retha Doiley
  • Current Credit: loans.hit.utils.Fico@5910e440
  • Current City: Mingo Junction
  • State: Ohio
  • Zip code: 43944
  • Yearly income: $47,000
  • Current Job: health case manager
  • Current County: Jefferson
  • Goal Yearly Income: $97,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Personal Loan for a health case manager named Retha in Mingo Junction, Ohio to Pay Off Toyota Rewards Visa Signature

Retha had a lot of credit card debt on their Lord & Taylor Credit Card and their Amalgamated Bank of Chicago MasterCard, and they were starting to get in over their heads. Despite Retha’s job as a health case manager, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Retha for this mortgage of $36000, provided by The Mingo National Bank of Mingo Junction

Hi, I am Retha and my hometown is Mingo Junction in Ohio. Jefferson, county is where I grew up, and now I need a mortgage in Ohio for $36000 to avoid bankruptcy. It has been difficult, but The Mingo National Bank of Mingo Junction really came through for me with this loan for 9.3% interest APR and a term of 18 years. I can probably repay the loan over the 18 year term, including interest. A big thanks to The Mingo National Bank of Mingo Junction for trusting me and my bad credit. It look me 5 years to create my credit to 425, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.

When Retha was 21, they tried to obtain a student loan from 6 alternate lenders, which damaged their credit rating. Below is a chronology of Retha’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on July 14, 2013
  • Attempt 2) Loan for $32,000.00 on October 10, 2010
  • Attempt 3) Loan for $21,000.00 on August 24, 2009
  • Attempt 4) Loan for $34,000.00 on August 7, 2012
  • Attempt 5) Loan for $39,000.00 on January 8, 2011
  • Attempt 6) Loan for $27,000.00 on March 18, 2011

Retha’s Overall FICO score at the time of acceptance for a mortgage, taking into account their health case manager job and their future job as a printing/graphic arts reproduction technician

Fico Score: 425

Before applying for this mortgage, Retha had an Experian score of 444, which is bad, so The Mingo National Bank of Mingo Junction most likely cannot provide Retha a mortgage

Experian Score: 444

Signature Loan acquired in Mingo Junction, Ohio for $36000 with bad credit by Retha

Most clients have difficulty with finding signature loans in Mingo Junction, Ohio, and Retha is no exception. Retha went to 5 lending institutions or more before settling on The Mingo National Bank of Mingo Junction, who offered Retha a signature loan for $36000. Most signature loans simply need a client, like Retha’s signature to obtain them, up to $33,000 in some cases. Retha was able to get $36000 as a mortgage, which is very high for a mortgage. Since signature loans do not require a cosigner, these loans tend to require improved credit, as high as 776

9 Months Ago, Retha Attempted Finding a High Risk Loan for $31,000.00, and it was Easy

There is an ongoing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Retha. Retha chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit borrowers. Individuals with credit scores as low as 571 can inquire for a high risk loan and possibly can be approved.

Previous requests on Retha’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$52350.00 11 8.8% $620.38 The Vinton Banking Company April 15, 2013
$51870.00 7 5.4% $742.91 The Ohio Valley Bank Company October 30, 2013
$51880.00 8 9.1% $762.75 The Citizens Bank August 20, 2014
$52420.00 5 11.5% $1152.85 The Peoples Bank December 31, 2014

Installment loan for Retha, a graduate of Willow Bend Cosmetic Surgery Center and a health case manager working for over $72,000 per year

Retha, an alumnus at Willow Bend Cosmetic Surgery Center and a health case manager in Mingo Junction, Ohio needs a mortgage to purchase a new cell phone. Retha has instead decided to obtain an installment loan for $28,000 and is currently seeking lenders like The Farmers State Bank of Lyons Ohio to process their request.

Contact Details for The Mingo National Bank of Mingo Junction, the provider of this mortgage

  • The Mingo National Bank of Mingo Junction
  • City: Mingo Junction
  • State: Ohio
  • Address: Main Street
  • County: Jefferson
  • Zip code: 43938

Fast Loans for Retha in Mingo Junction, Ohio to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Mingo Junction, Ohio aren’t actually that difficult to obtain, especially if you have some finesse like Retha. Retha was able to find a fast loan for $36000 from The Farmers State Bank of Lyons Ohio and Peoples Banking Company of Martins Ferry, Ohio, but turned down both offers in favor of their mortgage from The Mingo National Bank of Mingo Junction. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference if you are on the go.

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

Most debt consolidation loans vary from $37,000.00 to $59,000.00. They are normally used to pay off existing high interest loans like credit cards. Retha required a debt consolidation loan to pay for their existing mortgage and their credit card. Retha was able to find a mortgage in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your bad, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.8%.

Retha was declined by The Commercial and Savings Bank Company 6 times prior to being accepted by The Mingo National Bank of Mingo Junction at Main Street

On November 2, 2008, Retha inquired about borrowing $4,000 from The Vinton Banking Company with India, their friend from just outside Mingo Junction, and even with the co-signer, Retha was rejected for this mortgage. With bad credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Retha’s Transunion score was changed by the mortgage loan, changing to 411 from 425, which is typical in our experience.

Transunion Score: 411

Conclusion of Retha’s mortgage

In the end, Retha was able to find a mortgage for $36000 with an interest rate of 5.4% interest APR from The Mingo National Bank of Mingo Junction in Mingo Junction, Ohio 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.