Refinance the existing prosper loan, w/ good payment history
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,000.00 | Status: | Cancelled |
| Grade: | C | DTI: | 43% |
| Lender Rate: | 16% | Borrower: | EpiDoc216 |
| Finished | State: | OH | |
| Funded: | 100% | Group: | ALL DOCTORS MD,DO,OD,DDS,DMD,PhD,DVM,DPM,DC,PharmD,J |
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Purpose of loan: Over 6 months ago, I borrowed 5,000 through prosper.com to refinance some high interest credit card balance. Over the past 6 months, my wife and I demonstrated a good and aggressive payment history. Now, we would like to see if we can refinance the loan to a lower interest rate. My financial situation: My wife is a field employee for a medical instrutment company, and I am in the process of starting a post-doctoral fellowship training program. Our combined income currently is over US$ 125,000.00. We are home owners and are building home equity. We both have employee sponsored retirement and saving accounts, with combined balance over US 40,000. The debt to income ratio listed through prosper.com does not include my wife's 75k+ income. So the real debt to income ratio is much less than what it is listed. Monthly net income: between: $ 10,000.00 - 12,000.00 Monthly expenses: $ Housing: $ 1070.00 Insurance: $ 110.00 Car expenses: $ 150.00 Utilities: $ 100.00 Phone, cable, internet: $ 120.00 Food, entertainment: $ 400.00 Clothing, household expenses $ 250.00 Credit cards and other loans: $ 2500.00 Other expenses: $ |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 163971 | Starting a new life post completion of training | D | $3,500 @ 19% | Jul 06, 2007 | Withdrawn |
| 164305 | Starting a new life post completion of training | D | $5,000 @ 20% | Jul 06, 2007 | Loan created |
| 277499 | Refinance the existing prosper loan, w/ good payment history | C | $17,500 @ 20% | Feb 08, 2008 | Withdrawn |
| 279179 | Refinance the existing prosper loan, w/ good payment history | C | $7,500 @ 16% | Feb 13, 2008 | Loan created |
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