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1 Year Home Loan For Bettyann In Spring Valley Illinois

$93000 Home Loan – Spring Valley Illinois, Credit Score Of 828

  • Experian: 843 – They had an excellent Experian score
  • Transunion: 815 – Bettyann had an excellent credit rating with Transunion.
  • Equifax: Bettyann’s Experian score was 828, which is an excellent credit rating using the Experian rating scheme.

Fast Loans for Bettyann in Spring Valley, Illinois to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Spring Valley, Illinois aren’t actually that difficult to obtain, especially if you have some finesse like Bettyann. Bettyann was able to find a fast loan for $93000 from Drexel National Bank and Merchandise National Bank of Chicago, but declined both offers in favor of their home loan from Heart of Illinois Bank, F.S.B.. 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 7 weeks for installment loans. An improvement if a borrower is in a time sensitive situation.

Bettyann was not approved by Lake Shore National Bank 4 times prior to being granted funding by Heart of Illinois Bank, F.S.B. at 100 East Dakota Street

On July 18, 2010, Bettyann applied about borrowing $6,000 from Community Banks of Shelby County with Galen, their in law from just outside Spring Valley, and even with the co-signer, Bettyann was rejected for this home loan. With excellent credit, it can be challenging to procure financing, even with collateral and a co-signer.

Bettyann’s Transunion score was altered by the home loan loan, changing to 815 from 828, which is typical in our experience.

Transunion Score: 815

Bettyann has a sad current total income, but has several of prospects

Bettyann has always wanted to be a political science professor, but would have to attend University of Alaska Anchorage again to become one. Bettyann has other prospects as well, including operations management analyst, massage therapist, and cook, which pay $55,000 through to $102,000 per year, on average. Because of this, we believe that Bettyann can pay for this home loan of $93000.

Client Profile: Bettyann Weismantle of Spring Valley, Illinois
  • Full name (Changed if requested): Bettyann Weismantle
  • Current Credit: loans.hit.utils.Fico@379619aa
  • Current City: Spring Valley
  • State: Illinois
  • Zip code: 61369
  • Yearly income: $69,000
  • Current Job: loan counselor
  • Current County: Bureau
  • Goal Yearly Income: $92,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Contact Details for Heart of Illinois Bank, F.S.B., the provider of this home loan

  • Heart of Illinois Bank, F.S.B.
  • City: Spring Valley
  • State: Illinois
  • Address: 100 East Dakota Street
  • County: Bureau
  • Zip code: 61362

Bettyann’s Overall FICO score at the time of acceptance for a home loan, taking into account their loan counselor job and their future job as a political science professor

Fico Score: 828

Signature Loan found in Spring Valley, Illinois for $93000 with excellent credit by Bettyann

Most clients struggle with finding signature loans in Spring Valley, Illinois, and Bettyann is not an exception. Bettyann went to 5 lenders or more prior to settling on Heart of Illinois Bank, F.S.B., who offered Bettyann a signature loan for $93000. Most signature loans simply require a client, like Bettyann’s signature to get them, up to $44,000 in some cases. Bettyann was able to get $93000 as a home loan, which is very high for a home loan. Since signature loans don’t need collateral, they generally require better credit, as high as 775

7 Months in the Past, Bettyann Attempted to Find a High Risk Loan for $21,000.00, and it was Easy

There is an well known struggle for clients to get high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Bettyann. Bettyann decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit individuals. Borrowers with credit scores as low as 563 can apply for a high risk loan and may be be approved.

When Bettyann was 18, they attempted to obtain a student loan from 7 different lenders, which harmed their credit score. Below is a chronology of Bettyann’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on December 30, 2013
  • Attempt 2) Loan for $28,000.00 on November 5, 2010
  • Attempt 3) Loan for $34,000.00 on December 16, 2010
  • Attempt 4) Loan for $21,000.00 on January 23, 2013
  • Attempt 5) Loan for $24,000.00 on December 22, 2012
  • Attempt 6) Loan for $23,000.00 on October 6, 2012
  • Attempt 7) Loan for $31,000.00 on April 26, 2010

Several past requests for credit have been made by Bettyann in the past, including one from Guaranty Federal Savings and Loan Association in Spring Valley, Illinois before Bettyann was accepted for the $93000 by Heart of Illinois Bank, F.S.B.

Bettyann made 4 previous attempts to obtain a home loan, 2 of which were with Guaranty Federal Savings and Loan Association, a lender in Spring Valley, Illinois known to specialize in home loans specifically. Prior to finding Heart of Illinois Bank, F.S.B., Bettyann was very concerned due to their inexperience and excellent credit rating.

Installment loan for Bettyann, a graduate of University of Alaska Anchorage and a loan counselor working for over $71,000 per year

Bettyann, an alumnus at University of Alaska Anchorage and a loan counselor in Spring Valley, Illinois needs a home loan to purchase something frivolous. Bettyann has instead decided to obtain an installment loan for $16,000 and is currently seeking lenders like The Belvidere National Bank and Trust Company to process their request.

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

Most debt consolidation loans vary from $37,000.00 to $43,000.00. They are normally used to pay off existing high interest loans like credit cards. Bettyann needed a debt consolidation loan to pay for their existing home loan and their payday loan. Bettyann was able to find a home loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 3.8%.

Previous requests on Bettyann’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$33410.00 11 6.3% $351.49 The Gerber State Bank October 6, 2009
$33310.00 10 10.3% $445.75 The Belvidere National Bank and Trust Company June 29, 2013
$33350.00 5 10.6% $718.47 Commerce Bank March 2, 2014
$32900.00 5 9.6% $692.57 Byron Bank December 9, 2014

Paraphrased and Standardized Quote from Bettyann for this home loan of $93000, provided by Heart of Illinois Bank, F.S.B.

Hello, I am Bettyann and I am from Spring Valley in Illinois. Bureau, county is where I grew up, and now I need a home loan in Illinois for $93000 to avoid bankruptcy. It wasn’t easy, but Heart of Illinois Bank, F.S.B. really came through for me with this loan for 5.2% interest APR and a term of 15 years. I will repay the loan over the 15 year term, including interest. A big thanks to Heart of Illinois Bank, F.S.B. for giving me a chance and my excellent credit. It look me 6 years to build my credit to 828, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for assisting me this far.

Personal Loan for a loan counselor named Bettyann in Spring Valley, Illinois to Pay Off Club Carlson Premier Rewards Visa Signature Card

Bettyann had a lot of credit card debt on their Baltimore Orioles BankAmericard Cash Rewards MasterCard and their The Children’s Place Credit Card, and they were starting to get in over their heads. Despite Bettyann’s job as a loan counselor, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this home loan, Bettyann had an Experian score of 843, which is excellent, so Heart of Illinois Bank, F.S.B. probably cannot provide Bettyann a home loan

Experian Score: 843

Conclusion of Bettyann’s home loan

In the end, Bettyann was able to find a home loan for $93000 with an interest rate of 6.1% interest APR from Heart of Illinois Bank, F.S.B. in Spring Valley, Illinois repayable over 15 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.