Building Our Family

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Listing Information
Amount: $10,000.00 Status: Loan created
Grade: A DTI: 17%
Lender Rate: 10% Borrower: kmandmeli2
Time Left: Finished State: CA
Funded: 100% Group: (No Group)
Loan Information
Loan Status: Paid Origination Date: 2007-06-14 EricsCC ROI: 10%
Status History
Jun 13, 2007 Current
Jun 27, 2010 Payoff in progress
Jul 03, 2010 Paid
We are building our family!  I am a single adoptive mother of a 4 yr old daughter from Guatemala.  I am ready to adopt again and need some short term assistance.I
 
have a great job that I have been at for nearly five years (civil service) and was recently promoted to a management position.  I was at my previous job for ten years.  I have a great track record of being able to set and achieve goals, having put myself through undergraduate and graduate school while working part-time.  I am fortunate in that there is an adoption tax break that I will benefit from, but only after the adoption is complete.  Adoptions are costly and the fees are due, for the most part, up front. 

I am very detail oriented and use an excel sheet to manage my money.  I developed a 2 yr budget for the adoption and have calculated in loan payments, childcare and emergency funds.  I feel very confident in my ability to repay a loan as evidenced by my credit history.

Monthly net income: $4120

Monthly expenses: 

Housing: $ 1300  
Insurance: $ 107  
Car expenses: $ 0  
Utilities: $ (included in housing)  
Phone, cable, internet: $ 60  
Food, entertainment: $ 300  
Clothing, household expenses $   
Credit cards and other loans: $ 298

I appreciate your taking the time to consider offering some short-term help to a responsible, hard-working mom and hope that I may one day be able to return the favor.

 

Borrower's Other Listings
117601 Bringing Baby Home A $7,000 @ 6% Mar 31, 2007 Withdrawn
117668 And Baby Makes Three A $4,000 @ 8% Mar 31, 2007 Withdrawn
335364 Cutting up Credit Cards B $4,000 @ 11% May 19, 2008 Withdrawn

 

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