Eric's Credit Community

Thank you for viewing my loan listing.

My name is Joel and I am happily married to my wonderful wife Michelle.  We are volunteer youth pastors at our small church in the rural town where we live.

I work as a self-employed computer/network technician contractor.  I make one of the best livings available in our small town.  My degree, that I will be finishing this semester, is in Computer Science, but my real interest is in business building and wealth-creation.

As a computer programmer, I have written several small programs that I sell on eBay and on the internet in general which gross about $300 a month (net. about $150).  The money from this is totally expendible income which will be used to pay for this loan.  All of my eBay customers have been very happy (100% feedback).  Many of my feedback comments rave about my customer service.  Here is a link to my eBay listings if you would like to have a look. http://search.ebay.com/_W0QQsassZjsexton12QQhtZ-1

The money from this loan will be used for expansion of my online business, as well as other investments.  The amount that I initially planned to request in my loan was about $1000, but the minimum amount that can be borrowed by a New Mexico resident, apparently, is $2501.  About 20% or more of this amount will be kept liquid, so it will be available in case my online business slows temporarily.

Beyond this, my monthly income is about $2500 and my rent is $375.  My other monthly expenses add up to about $1500, so I have this other expendible income for the worst-case scenario.

If you have any questions at all, please feel free to e-mail me.

Once again, thanks for considering my loan.
-Joel