Home Repair Emergency
| Listing Information | |||
|---|---|---|---|
| Amount: | $4,000.00 | Status: | Loan created |
| Grade: | C | DTI: | 25% |
| Lender Rate: | 24% | Borrower: | lijjosunray |
| Finished | State: | MI | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-12-13 | EricsCC ROI: | 21% |
| Status History | |
|---|---|
| Dec 13, 2007 | Current |
|
Purpose of loan: * * * * * * * * * * * * * * * * * * Relisting * * * * * * * * * * * * * * * * * * * * Good news is that I only need 4000.00.. Obained a loan from Citi Finicial which will cover upto 1700. dollars... Wife started her new job and that has definitely been a blessing. Her annual salary is $42,000. - Mine is a shade under $75,000 Thanks. ********************************************* ORIGINAL LISTING ***************************************************** Hi, I need this money, to urgently fix some major plumbing and insulation issues we have with the house. We bought this house (our first), a couple years ago under 'as is' condition - we recently had some plumbing issue - sewage backup...gross stuff, I know - but something that needs to fix urgently. As far as insulation goes, things are okay, excepting for some hot water lines that go up through the attic.. I need to double up on the insulation and run some insulation tapes so the pipes don't freeze up (like they did last year) :-( plus there's some water damage over the kitchen ceiling that needs attention. I am not much of a handy-man and hence have to rely on professional help here..(hence the hefty expenses). I got estimates from a plumber and a couple handymen - the total material + labor costs run up to $5000 - I am assuming a buffer (reserve) of 1k and hence requesting help with $6000 in total My financial situation: I have had a steady job since 1996 and a very decent income. The company that I work for was recently purchased by another company - and hence, my profile will indicate that the term of employment as 9 months, (even though I have been with the previous company since 1996). I did some stupid mistakes early on (run up credit cards etc) and still paying for it. I have learnt from my mistakes and trying not to use credit cards, unless it's CRICITCAL.. I guess I could have opted to use my cards for my current situation - except that the rates are around 17-19%.. I want to keep my credit lines open as long as I can. I have some money in 401k, stocks and some stashed away in savings - I definitely don't want to touch them, again, unless it's absolutely necessay. My wife will be starting on her new assignment on 11/26 - that should ease up my situtation. (P.S: I haven't included her income in my profile) Monthly net income: $ $4,600 (not including my wife's new salary - which I estimate will be around $2,600 per month - take home) Monthly expenses: $ 3965 Housing: $ 1085 Insurance: $ 330 Car expenses: $ 600 Utilities: $ 150 Phone, cable, internet: $ 50 Food, entertainment: $ 500 Clothing, household expenses $ 200 Credit cards and other loans: $ 800 Other expenses: $ 250 |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 236341 | Home Repair Emergency | C | $6,000 @ 20% | Nov 23, 2007 | Expired |
| 403851 | Credit Card Consolidation | C | $7,500 @ 21% | Sep 24, 2008 | Withdrawn |
| 404275 | Credit Card Consolidation | C | $6,500 @ 22% | Sep 25, 2008 | Withdrawn |
| 404791 | Credit Card Consolidation | C | $6,500 @ 27% | Sep 26, 2008 | Withdrawn |
| 404944 | Credit Card Consolidation | C | $6,500 @ 30% | Sep 27, 2008 | Loan created |
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