A+ Record Prosper Borrower, Please Help with Home Purchase
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,500.00 | Status: | Loan created |
| Grade: | E | DTI: | 49% |
| Lender Rate: | 26% | Borrower: | onehotgal |
| Finished | State: | MO | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2008-03-14 | EricsCC ROI: | 23% |
| Status History | |
|---|---|
| Mar 13, 2008 | Current |
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Canceled Previous Listing & Relisted w/Lower Amount Purpose of loan: Hello and thank you for considering my loan. This loan will be used to purchase the home we are currently renting, we're very excited to become homeowners again but can only do so with your help. Our original plans were to rent and save for 3 years but that's a ton of money down the drain and we have an excellent opportunity to purchase a home now. Owner is flexible with closing date but we offered to close on or before April 1st 2008. My financial situation: Current Prosper loan always paid on time as this loan if funded will be too with automatic payments. (Paid off my credit cards with first Prosper loan, C.C. debt showing Dec. purchase of washer/dryer on deferred terms with no payments/interest for 18 months and joint with husband cards and credit report not being updated since husband just paid 90% of his last month) Husband and I both have direct deposits, same bank for 25+ yrs and never a bounced check. Secure guaranteed auto-funding 25.5% 3 year loan. Rated as "D" on my last funded listing 6 months ago, why Prosper has rated me now an "E" is beyond me, it's incorrect in my mind, I'm sure if I wait another 30 days and have it ran again it would be higher. All I can say to potential lenders is please overlook the assigned rating and look at my current history, I don't make late payments whatsoever! Please refer to last funded loan on "business" bankruptcy, not personal. DQ's are "0" won't remove until 2012. Combined Monthly Net Incomes & Expenses, Myself & Husband (Employer Health/Dental/Life Insurance already deducted from Net) $1400.00 (Myself, 7+ Years stable/secure income) $1952.00 (Husband, 6+ Years stable/secure income) $3352.00 - $220.00 (This Prosper loan request) - $300.00 (1st Prosper loan) $2832.00 - $928.00 (Mortgage payment) - $173.00 (Real Estate Taxes & Insurance) $1731.00 - $170.00 (Utilities level pay average; Electric/Gas/Water) - $95.00 (Land & Cell Phones) - $85.00 (Auto Insurance) - $58.00 (Cable & Internet) $1323.00 - $240.00 (Food) - $60.00 (Personal Care, Clothes) - $18.00 ($220 Yearly Personal Property Taxes) - $150.00 (Entertainment, Gas, Misc.) $855.00 - $150.00 (Savings, current balance $5600) - $150.00 (Additional Savings for 8 months ($1200) to replace living room carpet only Nov. 08) -$230.00 (Husband; C.C. (14.22%) & loan balance (25.5%) total $5100) $325.00 +$150.00 (Our 21 yr. old son pays us $150 per month for rent, will remain another 2 to 3 yrs) $475.00 Extra toward debt Please see "Profile" for additional information. This will be a blessing to us when funded! We listen to Dave Ramsey and plan to see him in Kansas City May 3rd. Sorry Washington/Capitol Hill, we won't be spending our proposed Stimulus refund in May, 100% will go toward debt. THANK YOU! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 185851 | 3 Year Plan, Credit Card Consolidation | D | $7,500 @ 22% | Aug 12, 2007 | Withdrawn |
| 188937 | Relist: We Have A Plan, Credit Card Consolidation | D | $7,500 @ 24% | Aug 17, 2007 | Expired |
| 192654 | Relist: 25.50% We Have A Plan, Credit Card Consolidation | D | $7,500 @ 26% | Aug 25, 2007 | Loan created |
| 286538 | A+ Record Prosper Borrower, Please Help with Home Purchase | E | $7,300 @ 26% | Mar 01, 2008 | Withdrawn |
| 286620 | A+ Record Prosper Borrower, Please Help with Home Purchase | E | $7,300 @ 26% | Mar 01, 2008 | Withdrawn |
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