Fair Credit Lenders in Kansas City MO
Lenders: contact
us for listing removal.
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Kansas City Credit Union
5110 Ararat Dr Kansas City
MO 64129 - www.kccu.net
816.861.5700
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Missouri Credit Union
6220 Blue Ridge Cutoff, Kansas City
MO 64133, 816.313.0011
www.creditunionlocations.com
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Metropolitan Federal Credit Union
4420 Madison Ave #104, Kansas City
MO 64111 - www.metfedcu.org
816.931.4164
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CommunityAmerica Credit Union
9060 NW Skyview Ave, Kansas City
MO 64154 - www.communityamerica.com
913.905.7000
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Crossroads Credit Union
4357 N Chouteau Trafficway
Kansas City, MO 64117
www.crossroadscu.com
816.483.4574
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Mazuma Credit Union - Gladstone
301 NW Englewood Rd, Kansas City
MO 64118 - www.mazuma.org
913.574.5000
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K C Area Credit Union
601 E 12th St, Kansas City
MO 64106 - www.kcareacu.com
816.936.5050
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CSD Credit Union
8510 Bannister Rd, Kansas City
MO 64134 - www.csdcu.org
816.763.4020
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Greater KC Public Safety CU
2800 E 14 St, Kansas City
MO 64127 - www.publicsafetycu.org
816.504.2800
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Scientific Research Partners CU
425 Volker Boulevard Kansas City
MO 64110 - 816.753.7600
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Bad Credit
Loans in Kansas City MO
Kansas City MO Lender
Area Map
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map.
Kansas City MO Loan App
Volume
Top 5 Kansas City
neighborhood loan app volume
- Sechrest
- Bridlespur
- Westside
- Robandee South
- Beacon Hills
WWI Museum in Kansas City Missouri:
Licensing
Kansas City Consolidation Example
Jaime and his wife plan to retire in a few years and
they have lots of plans for their home and for retirement.
One of their plans includes updating their home before
they retire so that they get all of the big projects out of the way.
They figure they will need about $70000 to consolidate
all of their debts and the renovation costs they will have.
They plan to take out a new mortgage with a twenty five
year term to keep the monthly payments as low as possible.
No one really wants to retire with a mortgage still to
pay, however they have a plan for that too.
They expect to downsize their home once they retire and
move to a new location. They are still working on just where that will
be, but they have lots of time to figure that out.
When they sell their home, this mortgage will be fully
discharged and they will be mortgage free in their retirement.
They will have a few years to enjoy the renovations they
make to their home and their real estate agent advises them that the improvements
they are going to make will also increase the market value of the home
as well.
Looks like a well thought out plan. Now they just need
a mortgage for their home to be approved and they can get started on renovations.
They will need $70000 to do all of the work they plan.
A $70000 loan with an twenty five-year term and 4.8% interest
rate for Jaime would cost him the following per month:
Loan Amount (principal) = $70000
Interest Rate = 4.8%
Term Length = 25 year
Monthly Payment = $401.10
Total Paid Back = $120329.36
Total Interest = $50329.36
The mortgage payment for Jaime and his wife will be just
a little over $400 a month. Considering they have no other debts other
than utilities and taxes, this is very affordable for them.
They have an excellent credit rating and their credit
utilization is also in good shape. They should have no problems being
approved for this mortgage consolidation loan.
Before the funds can be advanced to them, their home will
need to be appraised to establish the current market value of the home.
The lender always wants to ensure that the home has sufficient
equity in it to secure the loan or mortgage that will be registered against
it. This is a standard process before any mortgage of this size when a
home is used as collateral.
Another option for Jamie and his wife is to apply for
a line of credit. A line of credit would allow Jamie to draw on the loan
as he needs money to pay renovation bills rather than receive the entire
loan proceeds all at once.
He would also be able to pay as much or as little each
month as he is comfortable with. His minimum payment each month is the
accrued interest on the outstanding balance.
Jaime is assessing this suggestion and will make a decision
along with his wife in a few days regarding what approach they want to
take.
If you're living in Kansas City like Jaime,
and need a loan regardless of your credit rating, we may be able to help
you find a willing lender.
Sincerely,
Chris Somerset

Chris
Somerset is a writer for the WFL Project.
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Upgrades Nearest Kansas City MO
Job/Income Upgrades: Indeed
/ Snag-A-Job
Education Upgrades:
College / University
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Kansas City
Credit Counseling
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map.
Counselors contact
us for listing removal or info change.
Kansas City Credit Services Inc
2016 Swift St North Kansas City
MO 64116 - www.kccreditservices.com
816.421.8001
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Credit Glory Credit Repair
2331 Myrtle Ave, Kansas City
MO 64127 - creditglory.com
800.807.4388
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Federal Resources
FTC
Budget PDF / USA.GOV Debt Info
Kansas City Assistance Programs
Food Bank: Harvesters
/ Address: 3801 Topping Avenue, Kansas City, MO 64129 / Phone: 816.929.3000
Hot/Cold Meals: Kansas
City Community Kitchen / Address: 750 The Paseo, Kansas City, MO 64106
/ Phone: 816.561.8920
Shelter In Case of Eviction:
City Union Mission Family Center for Women and Children / Address: 1310
Wabash Avenue, Kansas City, MO 64127 / Phone: 816.474.9380 / City Union
Mission for Men / Address: 1108 East 10th Street, Kansas City, MO 64106
/ Phone: 816.474.9380
Social Assistance Programs:
Community Action Agency of Greater Kansas City / Address: 6323 Manchester
Avenue, Kansas City, MO 64133 / Phone: 816.358.6868
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Usury Law Governing
Kansas City MO
Summary of Missouri Usury
Law(s) / Legal: 9% / Contract: 10% for quarter beginning 1 /1/
10 ; any rate business loans of $5,000 or more / Judgment: 9% / Corporate:
Any rate
(read
more on Missouri lending laws)
Complaint process for Kansas City
residents:
Missouri Division of Finance
/ Missouri
Complaint Process / Complaint
Form (PDF)
Physical Address: Missouri Division of
Finance / P. O. BOX 716, Jefferson City, Missouri 65102-0716 / Phone:
573.751.3242 / Fax: 573.751.9192 / Email: finance@dof.mo.gov
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