$2000 Home Loan – Carthage Missouri, Credit Score Of 621
- Experian: 632 – This client had a good Experian score
- Transunion: 608 – Alica had a good credit rating with Transunion.
- Equifax: Alica’s Experian score was 621, which is a good credit rating using the Experian rating scheme.
Before applying for this home loan, Alica had an Experian score of 632, which is good, so Hometown Bank, National Association most likely cannot provide Alica a home loan
Previous requests on Alica’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$118650.00||6||10.5%||$2228.12||Camden County Bank||January 16, 2011|
|$119160.00||7||6.6%||$1775.23||Glasgow Savings Bank||December 19, 2012|
|$118620.00||3||5.7%||$3592.55||Central Bank||October 10, 2014|
|$118680.00||4||11.7%||$3107.85||Midwest BankCentre||November 23, 2014|
When Alica was 20, they tried to obtain a student loan from 6 different lenders, which damaged their credit score. Below is a chronology of Alica’s prior attempts at finding a student loan:
- Attempt 1) Loan for $35,000.00 on April 12, 2012
- Attempt 2) Loan for $26,000.00 on August 11, 2011
- Attempt 3) Loan for $37,000.00 on December 19, 2011
- Attempt 4) Loan for $30,000.00 on December 15, 2012
- Attempt 5) Loan for $24,000.00 on March 26, 2011
- Attempt 6) Loan for $30,000.00 on October 12, 2011
Alica has a sad current total income, but has a high number of prospects
Alica has always wanted to be a sales representative, but would have to attend Lesley University again to become one. Alica has other prospects as well, including art, english language and literature professor, and database administrator, which pay $58,000 through to $96,000 per year, on average. Because of this, we believe that Alica can pay for this home loan of $2000.
Personal Loan for a customer service supervisor named Alica in Carthage, Missouri to Pay Off Texas A&M Alumni Credit Card
Alica had a tonne of credit card debt on their First Command Bank Classic Visa and their The Kardashian Prepaid MasterCard, and they were starting to get in over their heads. Despite Alica’s job as a customer service supervisor, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Installment loan for Alica, a graduate of Lesley University and a customer service supervisor working for over $61,000 per year
Alica, an alumnus at Lesley University and a customer service supervisor in Carthage, Missouri wants a home loan to purchase a house. Alica has instead chosen to obtain an installment loan for $3,000 and is at present seeking lenders like The Baden Bank of St. Louis to provide it.
Alica’s Overall FICO score at the time of acceptance for a home loan, taking into account their customer service supervisor job and their future job as a sales representative
Alica’s Transunion score was changed by the home loan loan, changing to 608 from 621, which is typical in our experience.
- Full name (Changed if requested): Alica Burczyk
- Current Credit: loans.hit.utils.Fico@5197848c
- Current City: Carthage
- State: Missouri
- Zip code: 64844
- Yearly income: $32,000
- Current Job: customer service supervisor
- Current County: Jasper
- Goal Yearly Income: $122,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000
Signature Loan acquired in Carthage, Missouri for $2000 with good credit by Alica
Most clients have difficulty with finding signature loans in Carthage, Missouri, and Alica is no different. Alica went to 6 lending institutions or more prior to settling on Hometown Bank, National Association, who offered Alica a signature loan for $2000. Typical signature loans simply require a client, like Alica’s signature to obtain them, up to $25,000 in some cases. Alica was able to get $2000 as a home loan, which is very high for a home loan. Because signature loans do not require a cosigner, they tend to require higher credit, as high as 704
Fast Loans for Alica in Carthage, Missouri to prevent bankruptcy or harm from debt collectors.
Fast loans in Carthage, Missouri aren’t actually that difficult to obtain, especially if you have some gumption like Alica. Alica was able to find a fast loan for $2000 from Commerce Bank of Tower Grove and Mercantile Bank of St. Louis National Association, but declined both offers in favor of their home loan from Hometown Bank, National Association. The improvement with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. An improvement in the case that a client is in a pinch.
7 Months in the Past, Alica Tried Finding a High Risk Loan for $34,000.00, and it was Easy
It is an ongoing struggle for clients to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Alica. Alica decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Clients with credit scores as low as 560 can apply for a high risk loan and have a chance to be accepted.
Contact Details for Hometown Bank, National Association, the provider of this home loan
- Hometown Bank, National Association
- City: Carthage
- State: Missouri
- Address: 312 West Central
- County: Jasper
- Zip code: 64836
Alica was not approved by Commerce Bank of Mound City 7 times prior to being accepted by Hometown Bank, National Association at 312 West Central
On April 19, 2009, Alica inquired about borrowing $49,000 from The Bank of Versailles with Kirstin, their friend from just outside Carthage, and even with the co-signer, Alica was rejected for this home loan. With good credit, it can be difficult to procure funding, even with collateral and a co-signer.
Paraphrased and Standardized Quote from Alica for this home loan of $2000, provided by Hometown Bank, National Association
Hello, I am Alica and my hometown is Carthage in Missouri. Jasper, county is where I grew up, and now I need a home loan in Missouri for $2000 to renovate my home. It wasn’t easy, but Hometown Bank, National Association really came through for me with this loan for 5.5% interest APR and a term of 23 years. I will repay the loan over the 23 year term, including interest. A big thanks to Hometown Bank, National Association for giving me a chance and my good credit. It look me 9 years to build my credit to 621, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.
Several past requests for credit have been made by Alica in the past, including one from Merchants Bank, National Association in Carthage, Missouri before Alica was accepted for the $2000 by Hometown Bank, National Association
Alica made 8 prior attempts to obtain a home loan, 2 of which were with Merchants Bank, National Association, a lending institution in Carthage, Missouri known to specialize in home loans specifically. Before finding Hometown Bank, National Association, Alica was desperate due to their inexperience and good credit rating.
Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans range from $38,000.00 to $53,000.00. They are mainly used to pay off existing high interest loans like credit cards. Alica required a debt consolidation loan to pay for their existing home loan and their credit card. Alica was able to find a home loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your bad, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.2%.
Conclusion of Alica’s home loan
In the end, Alica was able to find a home loan for $2000 with an interest rate of 5.8% interest APR from Hometown Bank, National Association in Carthage, Missouri repayable over 23 years from now.