Home in Need of Repairs
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,001.00 | Status: | Loan created |
| Grade: | HR | DTI: | 4% |
| Lender Rate: | 29% | Borrower: | PecanBrown |
| Finished | State: | GA | |
| Funded: | 100% | Group: | Virtual Lending Group |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2006-08-22 | EricsCC ROI: | 20% |
| Status History | |
|---|---|
| Aug 21, 2006 | Current |
| Sep 08, 2007 | Late |
| Sep 23, 2007 | 1 month late |
| Oct 23, 2007 | 2 months late |
| Nov 23, 2007 | 3 months late |
| Dec 01, 2007 | 1 month late |
| Dec 24, 2007 | 2 months late |
| Dec 29, 2007 | Current |
|
Lenders, I have re-listed once again at a higher interest rate in hopes of getting funded. My name is Pat and I live in Atlanta, GA and I have lived in my present home for 29 years. I am currently employed with the Federal Government as an Administrative Assistant and I earn $43,104 per year. I have been in this line of work for 23 years and my outlook for continued employment with the government is excellent. As a single parent I have raised four children who are now adults and out on their own. I have also been a Foster Parent to approximately 124 children over the years and I am no longer a Foster Parent; however, my home has endured a lot of wear and tear, which is the reason why I am applying for this loan to make repairs to my kitchen and bathroom. My credit has an HR rating due to being a struggling single mom and trying to provide for my children had a great impact on my financial down spiral. I was able to struggle through and hang on for a while, but eventually ended up filing bankruptcy. The bankruptcy was and resolved Jan. 2004. My income has increased considerably since the bankruptcy, days of being a single mom, and I am continually trying to improve my credit score. The following budget will allow me to repay the monthly loan payments: Monthly Income: $1781.50 (Pay Stub after deductions $1,481.50 plus Court order child support $300.) I will have an extra income of $790.75 during the months of August and December. These two months in the year I receive three pay checks instead of two which accounts for the extra income. I have two loans through my 401K Thrift Savings and these were necessary to re-roof my home and to pay for plumbing repairs. I also have a discretionary loan for medical bills. Expense Summary: I am on a repayment plan of 1 + ½ payments per month with my mortgage company in the amount of $670. My mortgage payment will return to $424 a month in September after this agreement with Washington Mutual is satisfied in August. Electric bill (budget billing is $109; Water bill bi-monthly is $45; Gas bill (budget billing) is $85; Cell phone is $55; Groceries: $ 125; Total Expenses: $843.00 Note: My mortgage payment is $670.00 which will return to $424 a month in September. Income left after bills and expenses in August: $938.50. I will have enough left over to pay my Prosper Loan. As you can see, I have more than enough income to repay this loan, as well as keep my other debts current. I am currently disputing erroneous information on my Experian Report. If you have any questions, Please Email Me Thank You, Pat |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 8345 | Home in Need of Repairs | HR | $4,500 @ 18% | Apr 26, 2006 | Withdrawn |
| 9383 | Home in Need of Repairs | HR | $4,500 @ 20% | Apr 28, 2006 | Withdrawn |
| 11087 | Home In Need of Repairs | HR | $4,500 @ 23% | May 04, 2006 | Expired |
| 16663 | Kitchen in need of Repairs | HR | $4,500 @ 24% | May 30, 2006 | Withdrawn |
| 24396 | Home in Need of Major Repairsepars | HR | $4,500 @ 24% | Jul 13, 2006 | Withdrawn |
| 24424 | Home in Nee of Bad Repairs | HR | $4,500 @ 24% | Jul 13, 2006 | Withdrawn |
| 25113 | Home Badly in Need of Repairs | HR | $4,500 @ 25% | Jul 17, 2006 | Withdrawn |
| 25122 | Home Badly in Need of Repairs | HR | $4,500 @ 26% | Jul 17, 2006 | Withdrawn |
| 25350 | Home Badly in Need of Repairs | HR | $4,500 @ 28% | Jul 18, 2006 | Withdrawn |
| 25361 | Home Badly in Need of Repairs | HR | $4,500 @ 28% | Jul 18, 2006 | Expired |
| 27176 | Home Badly in Need of Repairs | HR | $3,001 @ 26% | Jul 28, 2006 | Withdrawn |
| 28667 | Home Badly in Need of Repairs | HR | $3,001 @ 26% | Aug 03, 2006 | Withdrawn |
| 29552 | Home Repairs | HR | $3,001 @ 29% | Aug 07, 2006 | Expired |
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